Home > Urban Partnership Bank > Performance and Condition Ratios
Urban Partnership Bank, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7489% | 256 |
| Cost of funding earning assets | 0.3612% | 4,211 |
| Net interest margin | 5.3877% | 133 |
| Noninterest income to average assets | 0.4263% | 3,266 |
| Noninterest expense to average assets | 6.4331% | 119 |
| Loan and lease loss provision to assets | -1.1532% | 5,402 |
| Net operating income to assets | 0.3752% | 4,899 |
| Return on assets (ROA) | 0.4033% | 4,849 |
| Pretax return on assets | 0.3147% | 5,034 |
| Return on Equity (ROE) | 4.2069% | 4,657 |
| Retained earnings to average equity (ytd only) | 4.2069% | 3,239 |
| Net charge-offs to loans | -0.5291% | 5,342 |
| Credit loss provision to net charge-offs | 281.9166% | 1,078 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.4850% | 64 |
| Assets per employee ($millions) | 4.3882% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4130% | 251 |
| Loan loss allowance to noncurrent loans | 30.9094% | 4,628 |
| Noncurrent assets plus other real estate owned to assets | 6.1559% | 49 |
| Noncurrent loans to loans | 7.8066% | 47 |
| Net loans and leases to total assets | 75.6474% | 1,667 |
| Net loans and leases to deposits | 84.8234% | 2,427 |
| Net loans and leases to core deposits | 89.0179% | 2,654 |
| Total domestic deposits to total assets | 89.1823% | 784 |
| Equity capital to assets | 10.1077% | 3,561 |
| Core capital (leverage) ratio | 10.4174% | 3,120 |
| Tier 1 risk-based capital ratio | 13.5281% | 3,529 |
| Total risk-based capital ratio | 14.7923% | 3,431 |
| Memoranda: | ||
| Average total assets | $451,524,200 | 1,533 |
| Average earning assets | $430,776,800 | 1,500 |
| Average equity | $43,285,800 | 1,729 |
| Average total loans | $349,114,400 | 1,408 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5150% | 350 |
| Cost of funding earning assets | 0.3538% | 4,157 |
| Net interest margin | 5.1611% | 194 |
| Noninterest income to average assets | 0.3970% | 3,500 |
| Noninterest expense to average assets | 6.7242% | 113 |
| Loan and lease loss provision to assets | -1.3878% | 5,475 |
| Net operating income to assets | 0.0194% | 5,292 |
| Return on assets (ROA) | 0.0569% | 5,267 |
| Pretax return on assets | 0.0167% | 5,288 |
| Return on Equity (ROE) | 0.6013% | 5,258 |
| Retained earnings to average equity (ytd only) | 0.6013% | 4,930 |
| Net charge-offs to loans | -0.6091% | 5,416 |
| Credit loss provision to net charge-offs | 294.8910% | 1,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.4122% | 45 |
| Assets per employee ($millions) | 4.4073% | 3,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4107% | 267 |
| Loan loss allowance to noncurrent loans | 57.6356% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 3.4692% | 167 |
| Noncurrent loans to loans | 4.1827% | 190 |
| Net loans and leases to total assets | 76.7443% | 1,547 |
| Net loans and leases to deposits | 86.5317% | 2,317 |
| Net loans and leases to core deposits | 90.9098% | 2,569 |
| Total domestic deposits to total assets | 88.6892% | 964 |
| Equity capital to assets | 9.4727% | 4,105 |
| Core capital (leverage) ratio | 10.0361% | 3,600 |
| Tier 1 risk-based capital ratio | 12.4151% | 4,242 |
| Total risk-based capital ratio | 13.6794% | 4,122 |
| Memoranda: | ||
| Average total assets | $454,701,250 | 1,535 |
| Average earning assets | $433,331,000 | 1,502 |
| Average equity | $43,018,750 | 1,739 |
| Average total loans | $351,352,750 | 1,397 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3929% | 395 |
| Cost of funding earning assets | 0.3561% | 4,031 |
| Net interest margin | 5.0368% | 233 |
| Noninterest income to average assets | 0.3896% | 3,553 |
| Noninterest expense to average assets | 5.5376% | 164 |
| Loan and lease loss provision to assets | -1.1225% | 5,535 |
| Net operating income to assets | 0.7731% | 3,944 |
| Return on assets (ROA) | 0.8290% | 3,760 |
| Pretax return on assets | 0.8242% | 4,181 |
| Return on Equity (ROE) | 8.7662% | 3,137 |
| Retained earnings to average equity (ytd only) | 8.7662% | 1,295 |
| Net charge-offs to loans | -0.5771% | 5,450 |
| Credit loss provision to net charge-offs | 253.2020% | 1,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.7414% | 109 |
| Assets per employee ($millions) | 4.0967% | 3,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8868% | 162 |
| Loan loss allowance to noncurrent loans | 73.1764% | 3,944 |
| Noncurrent assets plus other real estate owned to assets | 3.3281% | 201 |
| Noncurrent loans to loans | 3.9450% | 227 |
| Net loans and leases to total assets | 76.1232% | 1,618 |
| Net loans and leases to deposits | 85.4063% | 2,390 |
| Net loans and leases to core deposits | 90.0257% | 2,564 |
| Total domestic deposits to total assets | 89.1307% | 880 |
| Equity capital to assets | 9.9366% | 3,687 |
| Core capital (leverage) ratio | 10.2735% | 3,263 |
| Tier 1 risk-based capital ratio | 13.0093% | 3,888 |
| Total risk-based capital ratio | 14.2790% | 3,795 |
| Memoranda: | ||
| Average total assets | $457,887,670 | 1,536 |
| Average earning assets | $435,793,670 | 1,503 |
| Average equity | $43,302,670 | 1,728 |
| Average total loans | $351,783,670 | 1,390 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5200% | 269 |
| Cost of funding earning assets | 0.3789% | 3,743 |
| Net interest margin | 5.1412% | 175 |
| Noninterest income to average assets | 0.2852% | 4,266 |
| Noninterest expense to average assets | 5.5661% | 169 |
| Loan and lease loss provision to assets | -1.0180% | 5,596 |
| Net operating income to assets | 0.6340% | 4,322 |
| Return on assets (ROA) | 0.7440% | 3,927 |
| Pretax return on assets | 0.7319% | 4,347 |
| Return on Equity (ROE) | 8.0611% | 3,342 |
| Retained earnings to average equity (ytd only) | 8.0611% | 1,813 |
| Net charge-offs to loans | -0.6752% | 5,517 |
| Credit loss provision to net charge-offs | 198.1605% | 1,056 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.5773% | 117 |
| Assets per employee ($millions) | 4.1342% | 3,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1334% | 133 |
| Loan loss allowance to noncurrent loans | 62.0865% | 4,177 |
| Noncurrent assets plus other real estate owned to assets | 4.0002% | 160 |
| Noncurrent loans to loans | 5.0469% | 147 |
| Net loans and leases to total assets | 73.9668% | 1,858 |
| Net loans and leases to deposits | 82.5022% | 2,549 |
| Net loans and leases to core deposits | 89.5895% | 2,485 |
| Total domestic deposits to total assets | 89.6544% | 811 |
| Equity capital to assets | 9.3905% | 4,192 |
| Core capital (leverage) ratio | 9.6588% | 3,895 |
| Tier 1 risk-based capital ratio | 12.2409% | 4,409 |
| Total risk-based capital ratio | 13.5123% | 4,292 |
| Memoranda: | ||
| Average total assets | $465,608,000 | 1,523 |
| Average earning assets | $442,387,500 | 1,483 |
| Average equity | $42,972,000 | 1,753 |
| Average total loans | $354,267,000 | 1,383 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6379% | 215 |
| Cost of funding earning assets | 0.4439% | 2,834 |
| Net interest margin | 5.1940% | 172 |
| Noninterest income to average assets | -0.1741% | 5,651 |
| Noninterest expense to average assets | 5.4591% | 170 |
| Loan and lease loss provision to assets | -2.0962% | 5,669 |
| Net operating income to assets | 1.4575% | 889 |
| Return on assets (ROA) | 1.4518% | 914 |
| Pretax return on assets | 1.4069% | 1,965 |
| Return on Equity (ROE) | 19.4454% | 215 |
| Retained earnings to average equity (ytd only) | 19.4454% | 44 |
| Net charge-offs to loans | -0.7697% | 5,624 |
| Credit loss provision to net charge-offs | 376.7788% | 796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.6088% | 84 |
| Assets per employee ($millions) | 4.1798% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2302% | 110 |
| Loan loss allowance to noncurrent loans | 40.4674% | 4,679 |
| Noncurrent assets plus other real estate owned to assets | 6.2795% | 58 |
| Noncurrent loans to loans | 7.9822% | 47 |
| Net loans and leases to total assets | 73.3730% | 2,033 |
| Net loans and leases to deposits | 81.6139% | 2,756 |
| Net loans and leases to core deposits | 87.9137% | 2,733 |
| Total domestic deposits to total assets | 89.9025% | 602 |
| Equity capital to assets | 9.0725% | 4,645 |
| Core capital (leverage) ratio | 9.2600% | 4,335 |
| Tier 1 risk-based capital ratio | 11.6494% | 4,755 |
| Total risk-based capital ratio | 12.9217% | 4,628 |
| Memoranda: | ||
| Average total assets | $507,774,200 | 1,383 |
| Average earning assets | $483,883,000 | 1,349 |
| Average equity | $37,911,200 | 1,933 |
| Average total loans | $367,031,800 | 1,320 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6865% | 198 |
| Cost of funding earning assets | 0.4555% | 2,660 |
| Net interest margin | 5.2309% | 161 |
| Noninterest income to average assets | 0.4539% | 3,314 |
| Noninterest expense to average assets | 5.3003% | 190 |
| Loan and lease loss provision to assets | -0.6823% | 5,722 |
| Net operating income to assets | 0.8168% | 3,456 |
| Return on assets (ROA) | 0.8181% | 3,488 |
| Pretax return on assets | 0.8189% | 4,302 |
| Return on Equity (ROE) | 11.5240% | 1,480 |
| Retained earnings to average equity (ytd only) | 11.5240% | 339 |
| Net charge-offs to loans | -1.5851% | 5,695 |
| Credit loss provision to net charge-offs | 60.2278% | 2,806 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.7335% | 232 |
| Assets per employee ($millions) | 4.7024% | 2,828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.8815% | 24 |
| Loan loss allowance to noncurrent loans | 67.6735% | 4,185 |
| Noncurrent assets plus other real estate owned to assets | 6.6838% | 55 |
| Noncurrent loans to loans | 8.6911% | 35 |
| Net loans and leases to total assets | 69.4346% | 2,642 |
| Net loans and leases to deposits | 76.2353% | 3,350 |
| Net loans and leases to core deposits | 82.1659% | 3,269 |
| Total domestic deposits to total assets | 91.0793% | 169 |
| Equity capital to assets | 8.0494% | 5,504 |
| Core capital (leverage) ratio | 7.8928% | 5,546 |
| Tier 1 risk-based capital ratio | 10.6432% | 5,399 |
| Total risk-based capital ratio | 11.9477% | 5,302 |
| Memoranda: | ||
| Average total assets | $516,638,500 | 1,368 |
| Average earning assets | $492,011,000 | 1,334 |
| Average equity | $36,676,250 | 2,001 |
| Average total loans | $369,259,500 | 1,329 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7864% | 171 |
| Cost of funding earning assets | 0.4635% | 2,468 |
| Net interest margin | 5.3229% | 137 |
| Noninterest income to average assets | 0.3731% | 3,887 |
| Noninterest expense to average assets | 4.9598% | 222 |
| Loan and lease loss provision to assets | 0.1350% | 1,538 |
| Net operating income to assets | 0.3519% | 5,090 |
| Return on assets (ROA) | 0.3519% | 5,113 |
| Pretax return on assets | 0.3519% | 5,266 |
| Return on Equity (ROE) | 5.1691% | 4,408 |
| Retained earnings to average equity (ytd only) | 5.1691% | 2,598 |
| Net charge-offs to loans | -2.0244% | 5,741 |
| Credit loss provision to net charge-offs | -9.4230% | 4,221 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8724% | 412 |
| Assets per employee ($millions) | 4.9331% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1713% | 25 |
| Loan loss allowance to noncurrent loans | 74.0721% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 6.1881% | 70 |
| Noncurrent loans to loans | 8.3314% | 44 |
| Net loans and leases to total assets | 67.1164% | 2,932 |
| Net loans and leases to deposits | 73.0379% | 3,646 |
| Net loans and leases to core deposits | 78.8150% | 3,520 |
| Total domestic deposits to total assets | 91.8925% | 81 |
| Equity capital to assets | 7.3346% | 5,677 |
| Core capital (leverage) ratio | 7.1027% | 5,707 |
| Tier 1 risk-based capital ratio | 9.8782% | 5,660 |
| Total risk-based capital ratio | 11.1858% | 5,606 |
| Memoranda: | ||
| Average total assets | $527,402,000 | 1,347 |
| Average earning assets | $502,693,330 | 1,311 |
| Average equity | $35,906,000 | 2,033 |
| Average total loans | $373,239,000 | 1,316 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7092% | 176 |
| Cost of funding earning assets | 0.4743% | 2,315 |
| Net interest margin | 5.2348% | 151 |
| Noninterest income to average assets | 0.4300% | 3,445 |
| Noninterest expense to average assets | 4.9422% | 240 |
| Loan and lease loss provision to assets | 0.3047% | 437 |
| Net operating income to assets | 0.1742% | 5,426 |
| Return on assets (ROA) | 0.1742% | 5,438 |
| Pretax return on assets | 0.1742% | 5,461 |
| Return on Equity (ROE) | 2.6549% | 5,191 |
| Retained earnings to average equity (ytd only) | 2.6549% | 4,078 |
| Net charge-offs to loans | -0.8529% | 5,775 |
| Credit loss provision to net charge-offs | -50.7407% | 3,871 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9737% | 507 |
| Assets per employee ($millions) | 5.0117% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1988% | 39 |
| Loan loss allowance to noncurrent loans | 61.3036% | 4,400 |
| Noncurrent assets plus other real estate owned to assets | 6.1988% | 77 |
| Noncurrent loans to loans | 8.4804% | 52 |
| Net loans and leases to total assets | 66.8760% | 2,838 |
| Net loans and leases to deposits | 72.3480% | 3,578 |
| Net loans and leases to core deposits | 79.9730% | 3,298 |
| Total domestic deposits to total assets | 92.4366% | 66 |
| Equity capital to assets | 6.7702% | 5,778 |
| Core capital (leverage) ratio | 6.6594% | 5,783 |
| Tier 1 risk-based capital ratio | 9.3908% | 5,784 |
| Total risk-based capital ratio | 10.6867% | 5,769 |
| Memoranda: | ||
| Average total assets | $539,514,000 | 1,320 |
| Average earning assets | $514,400,500 | 1,285 |
| Average equity | $35,406,000 | 2,064 |
| Average total loans | $379,895,000 | 1,304 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2484% | 382 |
| Cost of funding earning assets | 0.5091% | 2,023 |
| Net interest margin | 4.7394% | 395 |
| Noninterest income to average assets | 0.6757% | 2,290 |
| Noninterest expense to average assets | 6.6212% | 139 |
| Loan and lease loss provision to assets | 0.2416% | 879 |
| Net operating income to assets | -1.9142% | 5,879 |
| Return on assets (ROA) | -1.8993% | 5,879 |
| Pretax return on assets | -1.8330% | 5,871 |
| Return on Equity (ROE) | -31.2085% | 5,890 |
| Retained earnings to average equity (ytd only) | -31.2085% | 5,880 |
| Net charge-offs to loans | 0.0805% | 2,539 |
| Credit loss provision to net charge-offs | 426.3158% | 754 |
| Earnings coverage of net charge-offs (x) | -28.3480% | 4,264 |
| Efficiency ratio | 131.8499% | 55 |
| Assets per employee ($millions) | 4.8069% | 2,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6525% | 52 |
| Loan loss allowance to noncurrent loans | 59.2838% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 5.7272% | 94 |
| Noncurrent loans to loans | 7.8478% | 57 |
| Net loans and leases to total assets | 67.0211% | 2,926 |
| Net loans and leases to deposits | 72.2645% | 3,685 |
| Net loans and leases to core deposits | 79.7351% | 3,416 |
| Total domestic deposits to total assets | 92.7442% | 52 |
| Equity capital to assets | 6.3649% | 5,841 |
| Core capital (leverage) ratio | 6.4127% | 5,844 |
| Tier 1 risk-based capital ratio | 9.0352% | 5,853 |
| Total risk-based capital ratio | 10.3256% | 5,854 |
| Memoranda: | ||
| Average total assets | $603,549,200 | 1,162 |
| Average earning assets | $552,584,400 | 1,164 |
| Average equity | $36,730,400 | 1,991 |
| Average total loans | $424,855,600 | 1,153 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2816% | 378 |
| Cost of funding earning assets | 0.5174% | 1,956 |
| Net interest margin | 4.7642% | 387 |
| Noninterest income to average assets | 0.3345% | 4,389 |
| Noninterest expense to average assets | 6.9383% | 137 |
| Loan and lease loss provision to assets | 0.4366% | 311 |
| Net operating income to assets | -2.7192% | 5,957 |
| Return on assets (ROA) | -2.6998% | 5,958 |
| Pretax return on assets | -2.6998% | 5,957 |
| Return on Equity (ROE) | -44.8232% | 5,969 |
| Retained earnings to average equity (ytd only) | -44.8232% | 5,962 |
| Net charge-offs to loans | 0.6256% | 332 |
| Credit loss provision to net charge-offs | 99.1159% | 2,398 |
| Earnings coverage of net charge-offs (x) | -5.1817% | 3,900 |
| Efficiency ratio | 148.8382% | 36 |
| Assets per employee ($millions) | 4.4492% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2827% | 66 |
| Loan loss allowance to noncurrent loans | 50.9214% | 4,711 |
| Noncurrent assets plus other real estate owned to assets | 6.2984% | 95 |
| Noncurrent loans to loans | 8.4104% | 53 |
| Net loans and leases to total assets | 68.4331% | 2,737 |
| Net loans and leases to deposits | 73.7598% | 3,621 |
| Net loans and leases to core deposits | 81.4921% | 3,326 |
| Total domestic deposits to total assets | 92.7783% | 42 |
| Equity capital to assets | 5.6675% | 5,939 |
| Core capital (leverage) ratio | 5.4781% | 5,940 |
| Tier 1 risk-based capital ratio | 7.5543% | 5,949 |
| Total risk-based capital ratio | 8.8398% | 5,947 |
| Memoranda: | ||
| Average total assets | $616,237,500 | 1,141 |
| Average earning assets | $558,930,500 | 1,156 |
| Average equity | $37,116,750 | 1,985 |
| Average total loans | $433,927,500 | 1,122 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3759% | 311 |
| Cost of funding earning assets | 0.5155% | 1,977 |
| Net interest margin | 4.8604% | 335 |
| Noninterest income to average assets | 0.3268% | 4,443 |
| Noninterest expense to average assets | 7.6271% | 116 |
| Loan and lease loss provision to assets | 0.4080% | 373 |
| Net operating income to assets | -3.3617% | 6,039 |
| Return on assets (ROA) | -3.3332% | 6,039 |
| Pretax return on assets | -3.3332% | 6,036 |
| Return on Equity (ROE) | -54.3653% | 6,049 |
| Retained earnings to average equity (ytd only) | -54.3653% | 6,042 |
| Net charge-offs to loans | 0.6437% | 320 |
| Credit loss provision to net charge-offs | 90.4360% | 2,237 |
| Earnings coverage of net charge-offs (x) | -6.5464% | 3,636 |
| Efficiency ratio | 163.0185% | 34 |
| Assets per employee ($millions) | 4.2095% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2305% | 64 |
| Loan loss allowance to noncurrent loans | 52.3905% | 4,747 |
| Noncurrent assets plus other real estate owned to assets | 5.8082% | 109 |
| Noncurrent loans to loans | 8.0749% | 67 |
| Net loans and leases to total assets | 65.6476% | 3,128 |
| Net loans and leases to deposits | 70.9447% | 3,894 |
| Net loans and leases to core deposits | 77.9995% | 3,643 |
| Total domestic deposits to total assets | 92.5335% | 48 |
| Equity capital to assets | 5.7282% | 6,019 |
| Core capital (leverage) ratio | 5.4096% | 6,018 |
| Tier 1 risk-based capital ratio | 8.0326% | 6,019 |
| Total risk-based capital ratio | 9.3177% | 6,017 |
| Memoranda: | ||
| Average total assets | $630,332,330 | 1,127 |
| Average earning assets | $563,703,330 | 1,153 |
| Average equity | $38,646,000 | 1,909 |
| Average total loans | $441,787,330 | 1,104 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4605% | 273 |
| Cost of funding earning assets | 0.4811% | 2,265 |
| Net interest margin | 4.9794% | 258 |
| Noninterest income to average assets | 0.3953% | 3,865 |
| Noninterest expense to average assets | 9.4296% | 77 |
| Loan and lease loss provision to assets | 0.4965% | 251 |
| Net operating income to assets | -5.1821% | 6,110 |
| Return on assets (ROA) | -5.1263% | 6,110 |
| Pretax return on assets | -5.1263% | 6,109 |
| Return on Equity (ROE) | -81.1226% | 6,112 |
| Retained earnings to average equity (ytd only) | -81.1226% | 6,100 |
| Net charge-offs to loans | 0.1516% | 1,207 |
| Credit loss provision to net charge-offs | 462.4277% | 644 |
| Earnings coverage of net charge-offs (x) | -43.6416% | 3,086 |
| Efficiency ratio | 198.5871% | 21 |
| Assets per employee ($millions) | 4.2977% | 3,414 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3233% | 74 |
| Loan loss allowance to noncurrent loans | 47.6887% | 4,889 |
| Noncurrent assets plus other real estate owned to assets | 6.3163% | 107 |
| Noncurrent loans to loans | 9.0657% | 53 |
| Net loans and leases to total assets | 61.7212% | 3,562 |
| Net loans and leases to deposits | 67.3958% | 4,119 |
| Net loans and leases to core deposits | 78.1502% | 3,477 |
| Total domestic deposits to total assets | 91.5803% | 146 |
| Equity capital to assets | 5.6135% | 6,077 |
| Core capital (leverage) ratio | 5.7677% | 6,071 |
| Tier 1 risk-based capital ratio | 8.0383% | 6,077 |
| Total risk-based capital ratio | 9.3225% | 6,075 |
| Memoranda: | ||
| Average total assets | $644,521,000 | 1,097 |
| Average earning assets | $562,880,500 | 1,153 |
| Average equity | $40,728,500 | 1,817 |
| Average total loans | $456,368,500 | 1,063 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2606% | 99 |
| Cost of funding earning assets | 0.4841% | 2,319 |
| Net interest margin | 5.7765% | 85 |
| Noninterest income to average assets | 0.6443% | 2,495 |
| Noninterest expense to average assets | 9.0517% | 87 |
| Loan and lease loss provision to assets | -0.5858% | 6,138 |
| Net operating income to assets | -3.1592% | 6,164 |
| Return on assets (ROA) | -3.0791% | 6,165 |
| Pretax return on assets | -3.0791% | 6,164 |
| Return on Equity (ROE) | -38.8549% | 6,164 |
| Retained earnings to average equity (ytd only) | -38.8549% | 6,158 |
| Net charge-offs to loans | 2.2175% | 58 |
| Credit loss provision to net charge-offs | -36.0528% | 5,028 |
| Earnings coverage of net charge-offs (x) | -2.3049% | 4,363 |
| Efficiency ratio | 168.4935% | 24 |
| Assets per employee ($millions) | 3.7400% | 4,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5805% | 121 |
| Loan loss allowance to noncurrent loans | 32.3353% | 5,283 |
| Noncurrent assets plus other real estate owned to assets | 9.4114% | 63 |
| Noncurrent loans to loans | 11.0731% | 32 |
| Net loans and leases to total assets | 74.5105% | 1,644 |
| Net loans and leases to deposits | 81.6081% | 2,639 |
| Net loans and leases to core deposits | 97.9694% | 1,676 |
| Total domestic deposits to total assets | 91.3028% | 210 |
| Equity capital to assets | 7.0443% | 6,052 |
| Core capital (leverage) ratio | 6.7992% | 6,069 |
| Tier 1 risk-based capital ratio | 8.9553% | 6,109 |
| Total risk-based capital ratio | 10.2333% | 6,095 |
| Memoranda: | ||
| Average total assets | $703,847,200 | 987 |
| Average earning assets | $568,090,400 | 1,095 |
| Average equity | $55,776,800 | 1,341 |
| Average total loans | $515,718,400 | 909 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1369% | 113 |
| Cost of funding earning assets | 0.4853% | 2,363 |
| Net interest margin | 5.6516% | 100 |
| Noninterest income to average assets | 0.6061% | 2,705 |
| Noninterest expense to average assets | 9.2887% | 87 |
| Loan and lease loss provision to assets | -0.9566% | 6,258 |
| Net operating income to assets | -3.2327% | 6,253 |
| Return on assets (ROA) | -3.1284% | 6,252 |
| Pretax return on assets | -3.1284% | 6,250 |
| Return on Equity (ROE) | -38.5335% | 6,251 |
| Retained earnings to average equity (ytd only) | -38.5335% | 6,243 |
| Net charge-offs to loans | 3.0056% | 33 |
| Credit loss provision to net charge-offs | -43.9684% | 4,954 |
| Earnings coverage of net charge-offs (x) | -1.9255% | 4,077 |
| Efficiency ratio | 179.3906% | 22 |
| Assets per employee ($millions) | 3.7122% | 4,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2268% | 194 |
| Loan loss allowance to noncurrent loans | 35.3251% | 5,314 |
| Noncurrent assets plus other real estate owned to assets | 8.0045% | 84 |
| Noncurrent loans to loans | 9.1345% | 50 |
| Net loans and leases to total assets | 72.3815% | 2,000 |
| Net loans and leases to deposits | 79.5732% | 2,929 |
| Net loans and leases to core deposits | 98.8421% | 1,626 |
| Total domestic deposits to total assets | 90.9622% | 249 |
| Equity capital to assets | 7.4053% | 6,085 |
| Core capital (leverage) ratio | 7.0764% | 6,118 |
| Tier 1 risk-based capital ratio | 17.0565% | 2,357 |
| Total risk-based capital ratio | 18.3603% | 2,282 |
| Memoranda: | ||
| Average total assets | $720,861,000 | 967 |
| Average earning assets | $573,110,500 | 1,096 |
| Average equity | $58,524,250 | 1,293 |
| Average total loans | $521,817,000 | 903 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2784% | 98 |
| Cost of funding earning assets | 0.5020% | 2,233 |
| Net interest margin | 5.7764% | 88 |
| Noninterest income to average assets | 1.0716% | 1,041 |
| Noninterest expense to average assets | 9.4935% | 86 |
| Loan and lease loss provision to assets | -0.7336% | 6,305 |
| Net operating income to assets | -3.1802% | 6,326 |
| Return on assets (ROA) | -3.0272% | 6,325 |
| Pretax return on assets | -3.0272% | 6,322 |
| Return on Equity (ROE) | -36.3175% | 6,324 |
| Retained earnings to average equity (ytd only) | -36.3175% | 6,313 |
| Net charge-offs to loans | 1.1124% | 173 |
| Credit loss provision to net charge-offs | -92.0354% | 4,884 |
| Earnings coverage of net charge-offs (x) | -4.9101% | 3,819 |
| Efficiency ratio | 166.5078% | 31 |
| Assets per employee ($millions) | 3.4156% | 4,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2943% | 53 |
| Loan loss allowance to noncurrent loans | 62.8088% | 4,671 |
| Noncurrent assets plus other real estate owned to assets | 7.9527% | 93 |
| Noncurrent loans to loans | 8.4293% | 72 |
| Net loans and leases to total assets | 68.9323% | 2,495 |
| Net loans and leases to deposits | 75.9460% | 3,283 |
| Net loans and leases to core deposits | 93.2935% | 2,027 |
| Total domestic deposits to total assets | 90.7648% | 368 |
| Equity capital to assets | 7.7006% | 6,079 |
| Core capital (leverage) ratio | 7.5112% | 6,096 |
| Tier 1 risk-based capital ratio | 16.0046% | 2,860 |
| Total risk-based capital ratio | 17.3374% | 2,770 |
| Memoranda: | ||
| Average total assets | $737,181,000 | 944 |
| Average earning assets | $575,302,000 | 1,100 |
| Average equity | $61,447,000 | 1,239 |
| Average total loans | $528,240,000 | 900 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3567% | 90 |
| Cost of funding earning assets | 0.5215% | 2,097 |
| Net interest margin | 5.8352% | 83 |
| Noninterest income to average assets | 0.1186% | 6,006 |
| Noninterest expense to average assets | 8.7394% | 103 |
| Loan and lease loss provision to assets | -1.6490% | 6,404 |
| Net operating income to assets | -2.5068% | 6,378 |
| Return on assets (ROA) | -2.3466% | 6,376 |
| Pretax return on assets | -2.3466% | 6,373 |
| Return on Equity (ROE) | -27.1657% | 6,377 |
| Retained earnings to average equity (ytd only) | -27.1657% | 6,330 |
| Net charge-offs to loans | 1.7575% | 101 |
| Credit loss provision to net charge-offs | -131.9231% | 4,537 |
| Earnings coverage of net charge-offs (x) | -3.3248% | 3,220 |
| Efficiency ratio | 186.2953% | 23 |
| Assets per employee ($millions) | 3.3740% | 5,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3041% | 59 |
| Loan loss allowance to noncurrent loans | 43.5312% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 10.4245% | 64 |
| Noncurrent loans to loans | 12.1846% | 36 |
| Net loans and leases to total assets | 66.9886% | 2,608 |
| Net loans and leases to deposits | 74.3169% | 3,263 |
| Net loans and leases to core deposits | 93.3791% | 1,824 |
| Total domestic deposits to total assets | 90.1392% | 677 |
| Equity capital to assets | 8.4541% | 5,772 |
| Core capital (leverage) ratio | 8.0421% | 5,914 |
| Tier 1 risk-based capital ratio | 18.9014% | 1,899 |
| Total risk-based capital ratio | 20.2406% | 1,832 |
| Memoranda: | ||
| Average total assets | $748,837,000 | 930 |
| Average earning assets | $573,005,500 | 1,107 |
| Average equity | $64,684,500 | 1,183 |
| Average total loans | $532,562,500 | 886 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3570% | 56 |
| Cost of funding earning assets | 0.5960% | 1,791 |
| Net interest margin | 6.7610% | 52 |
| Noninterest income to average assets | -2.3427% | 6,509 |
| Noninterest expense to average assets | 8.3424% | 102 |
| Loan and lease loss provision to assets | -1.1547% | 6,498 |
| Net operating income to assets | -4.5316% | 6,492 |
| Return on assets (ROA) | -4.4420% | 6,491 |
| Pretax return on assets | -4.4420% | 6,493 |
| Return on Equity (ROE) | -44.1369% | 6,483 |
| Retained earnings to average equity (ytd only) | -44.1369% | 6,481 |
| Net charge-offs to loans | 3.0938% | 31 |
| Credit loss provision to net charge-offs | -56.3216% | 5,434 |
| Earnings coverage of net charge-offs (x) | -2.7736% | 4,850 |
| Efficiency ratio | 306.3050% | 8 |
| Assets per employee ($millions) | 3.3574% | 5,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.1117% | 37 |
| Loan loss allowance to noncurrent loans | 41.9590% | 5,323 |
| Noncurrent assets plus other real estate owned to assets | 12.3486% | 56 |
| Noncurrent loans to loans | 14.5659% | 28 |
| Net loans and leases to total assets | 67.1175% | 2,708 |
| Net loans and leases to deposits | 74.7734% | 3,340 |
| Net loans and leases to core deposits | 92.8308% | 2,010 |
| Total domestic deposits to total assets | 89.7612% | 850 |
| Equity capital to assets | 8.8171% | 5,471 |
| Core capital (leverage) ratio | 8.1692% | 5,874 |
| Tier 1 risk-based capital ratio | 19.4305% | 1,739 |
| Total risk-based capital ratio | 20.7864% | 1,678 |
| Memoranda: | ||
| Average total assets | $880,751,400 | 758 |
| Average earning assets | $651,186,800 | 945 |
| Average equity | $88,640,200 | 831 |
| Average total loans | $583,647,800 | 753 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5850% | 53 |
| Cost of funding earning assets | 0.6118% | 1,744 |
| Net interest margin | 6.9732% | 50 |
| Noninterest income to average assets | -1.9085% | 6,588 |
| Noninterest expense to average assets | 8.2566% | 101 |
| Loan and lease loss provision to assets | -0.8915% | 6,565 |
| Net operating income to assets | -4.1503% | 6,573 |
| Return on assets (ROA) | -4.1366% | 6,572 |
| Pretax return on assets | -4.1366% | 6,573 |
| Return on Equity (ROE) | -40.0692% | 6,560 |
| Retained earnings to average equity (ytd only) | -40.0692% | 6,557 |
| Net charge-offs to loans | 2.8125% | 45 |
| Credit loss provision to net charge-offs | -48.6312% | 5,338 |
| Earnings coverage of net charge-offs (x) | -2.7503% | 4,588 |
| Efficiency ratio | 250.2640% | 13 |
| Assets per employee ($millions) | 3.6693% | 4,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 7.7519% | 22 |
| Loan loss allowance to noncurrent loans | 45.5355% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 13.1439% | 51 |
| Noncurrent loans to loans | 17.0238% | 18 |
| Net loans and leases to total assets | 61.0855% | 3,613 |
| Net loans and leases to deposits | 68.5904% | 4,074 |
| Net loans and leases to core deposits | 87.1120% | 2,528 |
| Total domestic deposits to total assets | 89.0584% | 1,205 |
| Equity capital to assets | 9.3381% | 4,994 |
| Core capital (leverage) ratio | 8.7434% | 5,391 |
| Tier 1 risk-based capital ratio | 23.1805% | 1,093 |
| Total risk-based capital ratio | 24.5762% | 1,057 |
| Memoranda: | ||
| Average total assets | $911,247,250 | 736 |
| Average earning assets | $669,517,750 | 923 |
| Average equity | $94,075,000 | 784 |
| Average total loans | $593,955,500 | 744 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0436% | 66 |
| Cost of funding earning assets | 0.6388% | 1,599 |
| Net interest margin | 6.4049% | 68 |
| Noninterest income to average assets | 0.9424% | 1,350 |
| Noninterest expense to average assets | 7.8169% | 111 |
| Loan and lease loss provision to assets | 0.1340% | 1,844 |
| Net operating income to assets | -2.3426% | 6,607 |
| Return on assets (ROA) | -2.3227% | 6,608 |
| Pretax return on assets | -2.3227% | 6,602 |
| Return on Equity (ROE) | -21.8799% | 6,580 |
| Retained earnings to average equity (ytd only) | -21.8799% | 6,542 |
| Net charge-offs to loans | 2.7045% | 68 |
| Credit loss provision to net charge-offs | 7.6371% | 3,328 |
| Earnings coverage of net charge-offs (x) | -1.2588% | 4,218 |
| Efficiency ratio | 135.5830% | 81 |
| Assets per employee ($millions) | 3.6861% | 4,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.2032% | 10 |
| Loan loss allowance to noncurrent loans | 47.6521% | 5,250 |
| Noncurrent assets plus other real estate owned to assets | 14.0157% | 44 |
| Noncurrent loans to loans | 19.3133% | 14 |
| Net loans and leases to total assets | 59.4836% | 3,790 |
| Net loans and leases to deposits | 67.5578% | 4,100 |
| Net loans and leases to core deposits | 85.3848% | 2,571 |
| Total domestic deposits to total assets | 88.0484% | 1,872 |
| Equity capital to assets | 10.6706% | 3,227 |
| Core capital (leverage) ratio | 10.1751% | 3,378 |
| Tier 1 risk-based capital ratio | 28.9665% | 581 |
| Total risk-based capital ratio | 30.4070% | 555 |
| Memoranda: | ||
| Average total assets | $937,351,670 | 715 |
| Average earning assets | $682,857,000 | 904 |
| Average equity | $99,506,670 | 731 |
| Average total loans | $608,088,000 | 713 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8225% | 77 |
| Cost of funding earning assets | 0.6614% | 1,501 |
| Net interest margin | 6.1611% | 76 |
| Noninterest income to average assets | 0.6825% | 2,271 |
| Noninterest expense to average assets | 7.6687% | 118 |
| Loan and lease loss provision to assets | 0.3946% | 428 |
| Net operating income to assets | -2.9133% | 6,688 |
| Return on assets (ROA) | -2.8746% | 6,688 |
| Pretax return on assets | -2.8746% | 6,683 |
| Return on Equity (ROE) | -27.1434% | 6,657 |
| Retained earnings to average equity (ytd only) | -27.1434% | 6,603 |
| Net charge-offs to loans | 2.3822% | 97 |
| Credit loss provision to net charge-offs | 25.6501% | 2,442 |
| Earnings coverage of net charge-offs (x) | -1.6373% | 3,528 |
| Efficiency ratio | 144.8706% | 75 |
| Assets per employee ($millions) | 3.8461% | 4,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.6158% | 12 |
| Loan loss allowance to noncurrent loans | 47.2264% | 5,311 |
| Noncurrent assets plus other real estate owned to assets | 14.5391% | 47 |
| Noncurrent loans to loans | 20.3612% | 16 |
| Net loans and leases to total assets | 58.7272% | 3,735 |
| Net loans and leases to deposits | 66.4684% | 4,032 |
| Net loans and leases to core deposits | 84.4706% | 2,463 |
| Total domestic deposits to total assets | 88.3536% | 2,024 |
| Equity capital to assets | 10.5083% | 3,239 |
| Core capital (leverage) ratio | 9.9583% | 3,625 |
| Tier 1 risk-based capital ratio | 29.6761% | 539 |
| Total risk-based capital ratio | 31.1333% | 525 |
| Memoranda: | ||
| Average total assets | $960,011,000 | 705 |
| Average earning assets | $696,109,500 | 887 |
| Average equity | $101,667,500 | 715 |
| Average total loans | $619,934,000 | 693 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1878% | 58 |
| Cost of funding earning assets | 0.8238% | 1,075 |
| Net interest margin | 6.3640% | 59 |
| Noninterest income to average assets | 1.6306% | 537 |
| Noninterest expense to average assets | 8.0978% | 119 |
| Loan and lease loss provision to assets | -0.7340% | 6,776 |
| Net operating income to assets | -1.4189% | 6,666 |
| Return on assets (ROA) | -1.4082% | 6,665 |
| Pretax return on assets | -1.2116% | 6,633 |
| Return on Equity (ROE) | -13.3537% | 6,621 |
| Retained earnings to average equity (ytd only) | -13.3537% | 6,590 |
| Net charge-offs to loans | 3.6151% | 47 |
| Credit loss provision to net charge-offs | -31.4598% | 5,744 |
| Earnings coverage of net charge-offs (x) | -0.8384% | 5,245 |
| Efficiency ratio | 128.2039% | 135 |
| Assets per employee ($millions) | 3.7753% | 4,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 9.7408% | 11 |
| Loan loss allowance to noncurrent loans | 47.2349% | 5,372 |
| Noncurrent assets plus other real estate owned to assets | 14.4525% | 53 |
| Noncurrent loans to loans | 20.6220% | 18 |
| Net loans and leases to total assets | 57.9409% | 4,042 |
| Net loans and leases to deposits | 65.8300% | 4,314 |
| Net loans and leases to core deposits | 84.6461% | 2,595 |
| Total domestic deposits to total assets | 88.0159% | 2,175 |
| Equity capital to assets | 10.6686% | 2,960 |
| Core capital (leverage) ratio | 10.3354% | 3,110 |
| Tier 1 risk-based capital ratio | 30.8876% | 469 |
| Total risk-based capital ratio | 32.3483% | 453 |
| Memoranda: | ||
| Average total assets | $1,031,675,600 | 634 |
| Average earning assets | $731,251,800 | 831 |
| Average equity | $108,793,800 | 648 |
| Average total loans | $665,873,600 | 632 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3514% | 57 |
| Cost of funding earning assets | 0.8553% | 1,021 |
| Net interest margin | 6.4961% | 59 |
| Noninterest income to average assets | 1.9724% | 431 |
| Noninterest expense to average assets | 8.2376% | 112 |
| Loan and lease loss provision to assets | -0.4013% | 6,808 |
| Net operating income to assets | -1.4219% | 6,750 |
| Return on assets (ROA) | -1.4219% | 6,755 |
| Pretax return on assets | -1.2779% | 6,735 |
| Return on Equity (ROE) | -13.5210% | 6,723 |
| Retained earnings to average equity (ytd only) | -13.5210% | 6,690 |
| Net charge-offs to loans | 4.1053% | 42 |
| Credit loss provision to net charge-offs | -15.1266% | 5,624 |
| Earnings coverage of net charge-offs (x) | -0.6329% | 4,967 |
| Efficiency ratio | 122.0762% | 160 |
| Assets per employee ($millions) | 3.6060% | 4,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.6584% | 8 |
| Loan loss allowance to noncurrent loans | 48.5298% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 15.0915% | 54 |
| Noncurrent loans to loans | 21.9625% | 14 |
| Net loans and leases to total assets | 57.1638% | 4,148 |
| Net loans and leases to deposits | 64.9435% | 4,415 |
| Net loans and leases to core deposits | 83.5721% | 2,694 |
| Total domestic deposits to total assets | 88.0208% | 2,117 |
| Equity capital to assets | 10.7764% | 2,976 |
| Core capital (leverage) ratio | 10.5747% | 2,923 |
| Tier 1 risk-based capital ratio | 31.8579% | 443 |
| Total risk-based capital ratio | 33.3495% | 433 |
| Memoranda: | ||
| Average total assets | $1,044,199,500 | 632 |
| Average earning assets | $737,165,250 | 823 |
| Average equity | $109,812,000 | 649 |
| Average total loans | $674,813,500 | 623 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7371% | 51 |
| Cost of funding earning assets | 0.8871% | 955 |
| Net interest margin | 6.8501% | 52 |
| Noninterest income to average assets | 2.3742% | 348 |
| Noninterest expense to average assets | 8.8565% | 99 |
| Loan and lease loss provision to assets | -0.3535% | 6,850 |
| Net operating income to assets | -1.5258% | 6,815 |
| Return on assets (ROA) | -1.5258% | 6,818 |
| Pretax return on assets | -1.3132% | 6,782 |
| Return on Equity (ROE) | -14.6250% | 6,791 |
| Retained earnings to average equity (ytd only) | -14.6250% | 6,752 |
| Net charge-offs to loans | 3.9711% | 56 |
| Credit loss provision to net charge-offs | -13.7321% | 5,463 |
| Earnings coverage of net charge-offs (x) | -0.6474% | 4,679 |
| Efficiency ratio | 119.9008% | 183 |
| Assets per employee ($millions) | 3.5143% | 4,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.8208% | 4 |
| Loan loss allowance to noncurrent loans | 51.3108% | 5,143 |
| Noncurrent assets plus other real estate owned to assets | 15.3070% | 57 |
| Noncurrent loans to loans | 23.0377% | 11 |
| Net loans and leases to total assets | 56.0155% | 4,288 |
| Net loans and leases to deposits | 64.4529% | 4,443 |
| Net loans and leases to core deposits | 78.9372% | 3,175 |
| Total domestic deposits to total assets | 86.9093% | 2,877 |
| Equity capital to assets | 10.8517% | 2,891 |
| Core capital (leverage) ratio | 10.5822% | 2,791 |
| Tier 1 risk-based capital ratio | 34.6228% | 349 |
| Total risk-based capital ratio | 36.1610% | 333 |
| Memoranda: | ||
| Average total assets | $1,054,503,330 | 629 |
| Average earning assets | $741,307,670 | 816 |
| Average equity | $110,017,330 | 648 |
| Average total loans | $683,639,330 | 611 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7138% | 75 |
| Cost of funding earning assets | 0.9072% | 953 |
| Net interest margin | 5.8067% | 96 |
| Noninterest income to average assets | 2.3257% | 350 |
| Noninterest expense to average assets | 8.8513% | 103 |
| Loan and lease loss provision to assets | 1.0853% | 159 |
| Net operating income to assets | -3.9593% | 6,981 |
| Return on assets (ROA) | -3.9593% | 6,982 |
| Pretax return on assets | -3.5462% | 6,976 |
| Return on Equity (ROE) | -38.7022% | 6,952 |
| Retained earnings to average equity (ytd only) | -38.7022% | 6,931 |
| Net charge-offs to loans | 4.1165% | 64 |
| Credit loss provision to net charge-offs | 40.2731% | 2,744 |
| Earnings coverage of net charge-offs (x) | -0.9132% | 3,959 |
| Efficiency ratio | 134.8534% | 127 |
| Assets per employee ($millions) | 3.3629% | 5,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.1935% | 3 |
| Loan loss allowance to noncurrent loans | 53.4563% | 5,012 |
| Noncurrent assets plus other real estate owned to assets | 16.6836% | 57 |
| Noncurrent loans to loans | 24.6809% | 10 |
| Net loans and leases to total assets | 57.0867% | 3,905 |
| Net loans and leases to deposits | 64.1708% | 4,291 |
| Net loans and leases to core deposits | 77.8502% | 3,090 |
| Total domestic deposits to total assets | 88.9605% | 1,705 |
| Equity capital to assets | 9.9996% | 4,154 |
| Core capital (leverage) ratio | 9.2157% | 4,545 |
| Tier 1 risk-based capital ratio | 32.2054% | 446 |
| Total risk-based capital ratio | 33.8039% | 421 |
| Memoranda: | ||
| Average total assets | $1,065,151,000 | 628 |
| Average earning assets | $745,626,500 | 823 |
| Average equity | $108,965,500 | 668 |
| Average total loans | $697,288,000 | 602 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1953% | 67 |
| Cost of funding earning assets | 0.9718% | 1,518 |
| Net interest margin | 6.2235% | 73 |
| Noninterest income to average assets | 3.6051% | 203 |
| Noninterest expense to average assets | 6.4132% | 189 |
| Loan and lease loss provision to assets | 3.7309% | 19 |
| Net operating income to assets | -2.0868% | 6,941 |
| Return on assets (ROA) | -2.0838% | 6,946 |
| Pretax return on assets | -2.0812% | 6,940 |
| Return on Equity (ROE) | -19.5940% | 6,877 |
| Retained earnings to average equity (ytd only) | -19.5940% | 6,843 |
| Net charge-offs to loans | 3.9333% | 76 |
| Credit loss provision to net charge-offs | 151.1280% | 1,804 |
| Earnings coverage of net charge-offs (x) | 0.6670% | 5,152 |
| Efficiency ratio | 76.6996% | 2,634 |
| Assets per employee ($millions) | 3.5537% | 4,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 13.1975% | 6 |
| Loan loss allowance to noncurrent loans | 45.9990% | 5,321 |
| Noncurrent assets plus other real estate owned to assets | 18.9975% | 32 |
| Noncurrent loans to loans | 28.6909% | 7 |
| Net loans and leases to total assets | 56.5783% | 4,186 |
| Net loans and leases to deposits | 63.9669% | 4,535 |
| Net loans and leases to core deposits | 77.0561% | 3,395 |
| Total domestic deposits to total assets | 88.4493% | 1,926 |
| Equity capital to assets | 10.4481% | 3,590 |
| Core capital (leverage) ratio | 9.7871% | 3,675 |
| Tier 1 risk-based capital ratio | 34.9608% | 343 |
| Total risk-based capital ratio | 36.5714% | 330 |
| Memoranda: | ||
| Average total assets | $1,177,872,400 | 558 |
| Average earning assets | $843,094,200 | 708 |
| Average equity | $125,263,000 | 576 |
| Average total loans | $739,274,000 | 553 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9330% | 84 |
| Cost of funding earning assets | 0.9846% | 1,656 |
| Net interest margin | 5.9484% | 97 |
| Noninterest income to average assets | 3.1745% | 230 |
| Noninterest expense to average assets | 6.2124% | 196 |
| Loan and lease loss provision to assets | 2.7037% | 51 |
| Net operating income to assets | -1.4738% | 6,962 |
| Return on assets (ROA) | -1.4698% | 6,974 |
| Pretax return on assets | -1.4664% | 6,950 |
| Return on Equity (ROE) | -13.7654% | 6,916 |
| Retained earnings to average equity (ytd only) | -13.7654% | 6,887 |
| Net charge-offs to loans | 3.4968% | 130 |
| Credit loss provision to net charge-offs | 124.2867% | 2,327 |
| Earnings coverage of net charge-offs (x) | 0.5669% | 5,036 |
| Efficiency ratio | 80.2752% | 2,054 |
| Assets per employee ($millions) | 3.6737% | 4,599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.7062% | 12 |
| Loan loss allowance to noncurrent loans | 32.8773% | 5,995 |
| Noncurrent assets plus other real estate owned to assets | 22.8964% | 22 |
| Noncurrent loans to loans | 35.6058% | 7 |
| Net loans and leases to total assets | 56.2002% | 4,420 |
| Net loans and leases to deposits | 63.5992% | 4,762 |
| Net loans and leases to core deposits | 76.9510% | 3,609 |
| Total domestic deposits to total assets | 88.3663% | 1,801 |
| Equity capital to assets | 10.7409% | 3,562 |
| Core capital (leverage) ratio | 9.9241% | 3,660 |
| Tier 1 risk-based capital ratio | 37.3184% | 308 |
| Total risk-based capital ratio | 38.8915% | 290 |
| Memoranda: | ||
| Average total assets | $1,198,707,750 | 548 |
| Average earning assets | $860,732,000 | 697 |
| Average equity | $127,989,250 | 564 |
| Average total loans | $745,737,250 | 547 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9190% | 88 |
| Cost of funding earning assets | 0.9803% | 1,877 |
| Net interest margin | 5.9387% | 97 |
| Noninterest income to average assets | 3.9189% | 188 |
| Noninterest expense to average assets | 5.7210% | 244 |
| Loan and lease loss provision to assets | 3.7931% | 31 |
| Net operating income to assets | -1.3093% | 6,982 |
| Return on assets (ROA) | -1.3034% | 6,998 |
| Pretax return on assets | -1.2985% | 6,970 |
| Return on Equity (ROE) | -12.2298% | 6,945 |
| Retained earnings to average equity (ytd only) | -12.2298% | 6,893 |
| Net charge-offs to loans | 4.0378% | 107 |
| Credit loss provision to net charge-offs | 152.0829% | 1,820 |
| Earnings coverage of net charge-offs (x) | 0.9978% | 4,528 |
| Efficiency ratio | 66.8022% | 4,359 |
| Assets per employee ($millions) | 3.9091% | 4,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 11.9002% | 10 |
| Loan loss allowance to noncurrent loans | 33.3986% | 5,999 |
| Noncurrent assets plus other real estate owned to assets | 22.2246% | 27 |
| Noncurrent loans to loans | 35.6308% | 7 |
| Net loans and leases to total assets | 54.3391% | 4,738 |
| Net loans and leases to deposits | 61.4074% | 5,083 |
| Net loans and leases to core deposits | 73.4440% | 4,105 |
| Total domestic deposits to total assets | 88.4895% | 1,826 |
| Equity capital to assets | 10.5943% | 3,573 |
| Core capital (leverage) ratio | 9.9556% | 3,478 |
| Tier 1 risk-based capital ratio | 39.1644% | 249 |
| Total risk-based capital ratio | 40.7533% | 234 |
| Memoranda: | ||
| Average total assets | $1,222,332,000 | 543 |
| Average earning assets | $883,159,670 | 679 |
| Average equity | $130,272,330 | 553 |
| Average total loans | $755,022,000 | 540 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9013% | 98 |
| Cost of funding earning assets | 0.9876% | 2,048 |
| Net interest margin | 5.9137% | 110 |
| Noninterest income to average assets | 1.6254% | 552 |
| Noninterest expense to average assets | 5.6809% | 240 |
| Loan and lease loss provision to assets | 0.9683% | 439 |
| Net operating income to assets | -0.7524% | 6,935 |
| Return on assets (ROA) | -0.7524% | 6,953 |
| Pretax return on assets | -0.7524% | 6,915 |
| Return on Equity (ROE) | -7.0392% | 6,922 |
| Retained earnings to average equity (ytd only) | -7.0392% | 6,719 |
| Net charge-offs to loans | 2.9789% | 244 |
| Credit loss provision to net charge-offs | 52.5855% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.1173% | 4,307 |
| Efficiency ratio | 92.3810% | 921 |
| Assets per employee ($millions) | 4.0710% | 3,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.1281% | 15 |
| Loan loss allowance to noncurrent loans | 29.2487% | 6,214 |
| Noncurrent assets plus other real estate owned to assets | 21.6956% | 38 |
| Noncurrent loans to loans | 34.6274% | 8 |
| Net loans and leases to total assets | 55.8277% | 4,417 |
| Net loans and leases to deposits | 63.0718% | 4,760 |
| Net loans and leases to core deposits | 74.4670% | 3,838 |
| Total domestic deposits to total assets | 88.5146% | 2,004 |
| Equity capital to assets | 10.7871% | 3,166 |
| Core capital (leverage) ratio | 10.1715% | 3,147 |
| Tier 1 risk-based capital ratio | 39.1893% | 243 |
| Total risk-based capital ratio | 40.7229% | 235 |
| Memoranda: | ||
| Average total assets | $1,239,308,000 | 538 |
| Average earning assets | $895,140,000 | 668 |
| Average equity | $132,458,500 | 542 |
| Average total loans | $766,042,500 | 523 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9744% | 98 |
| Cost of funding earning assets | 1.0520% | 3,001 |
| Net interest margin | 5.9224% | 97 |
| Noninterest income to average assets | 6.3936% | 100 |
| Noninterest expense to average assets | 4.6121% | 520 |
| Loan and lease loss provision to assets | 7.2765% | 7 |
| Net operating income to assets | -0.8807% | 6,690 |
| Return on assets (ROA) | -0.8816% | 6,718 |
| Pretax return on assets | -1.1803% | 6,805 |
| Return on Equity (ROE) | -8.4197% | 6,692 |
| Retained earnings to average equity (ytd only) | -8.4197% | 6,641 |
| Net charge-offs to loans | 2.2152% | 576 |
| Credit loss provision to net charge-offs | 527.9684% | 433 |
| Earnings coverage of net charge-offs (x) | 4.4242% | 3,117 |
| Efficiency ratio | 40.8381% | 7,197 |
| Assets per employee ($millions) | 4.2046% | 3,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 10.2181% | 15 |
| Loan loss allowance to noncurrent loans | 31.1775% | 6,123 |
| Noncurrent assets plus other real estate owned to assets | 20.3668% | 50 |
| Noncurrent loans to loans | 32.7738% | 11 |
| Net loans and leases to total assets | 55.2300% | 4,850 |
| Net loans and leases to deposits | 62.3331% | 5,196 |
| Net loans and leases to core deposits | 73.4224% | 4,316 |
| Total domestic deposits to total assets | 88.6047% | 1,779 |
| Equity capital to assets | 10.5926% | 3,425 |
| Core capital (leverage) ratio | 9.6702% | 3,778 |
| Tier 1 risk-based capital ratio | 36.6651% | 295 |
| Total risk-based capital ratio | 38.1858% | 286 |
| Memoranda: | ||
| Average total assets | $1,342,545,800 | 487 |
| Average earning assets | $978,376,000 | 605 |
| Average equity | $140,574,800 | 494 |
| Average total loans | $835,261,600 | 497 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9666% | 100 |
| Cost of funding earning assets | 1.0337% | 3,438 |
| Net interest margin | 5.9329% | 97 |
| Noninterest income to average assets | 5.6021% | 115 |
| Noninterest expense to average assets | 4.4370% | 609 |
| Loan and lease loss provision to assets | 6.2863% | 11 |
| Net operating income to assets | -0.4524% | 6,613 |
| Return on assets (ROA) | -0.4535% | 6,660 |
| Pretax return on assets | -0.7807% | 6,775 |
| Return on Equity (ROE) | -4.3424% | 6,645 |
| Retained earnings to average equity (ytd only) | -4.3424% | 6,541 |
| Net charge-offs to loans | 2.1004% | 586 |
| Credit loss provision to net charge-offs | 479.8088% | 581 |
| Earnings coverage of net charge-offs (x) | 4.2035% | 3,144 |
| Efficiency ratio | 42.1797% | 7,203 |
| Assets per employee ($millions) | 4.3635% | 3,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.3375% | 72 |
| Loan loss allowance to noncurrent loans | 19.3740% | 6,698 |
| Noncurrent assets plus other real estate owned to assets | 19.8171% | 55 |
| Noncurrent loans to loans | 32.7114% | 12 |
| Net loans and leases to total assets | 56.5952% | 4,745 |
| Net loans and leases to deposits | 63.7948% | 5,198 |
| Net loans and leases to core deposits | 74.7137% | 4,352 |
| Total domestic deposits to total assets | 88.7145% | 1,613 |
| Equity capital to assets | 10.5788% | 3,601 |
| Core capital (leverage) ratio | 9.9195% | 3,548 |
| Tier 1 risk-based capital ratio | 35.3384% | 340 |
| Total risk-based capital ratio | 36.7341% | 327 |
| Memoranda: | ||
| Average total assets | $1,362,836,250 | 491 |
| Average earning assets | $997,444,500 | 597 |
| Average equity | $142,315,250 | 497 |
| Average total loans | $850,089,500 | 496 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9361% | 112 |
| Cost of funding earning assets | 1.0023% | 3,929 |
| Net interest margin | 5.9338% | 100 |
| Noninterest income to average assets | 6.8964% | 99 |
| Noninterest expense to average assets | 4.3843% | 679 |
| Loan and lease loss provision to assets | 8.1027% | 7 |
| Net operating income to assets | -0.7201% | 6,827 |
| Return on assets (ROA) | -0.7217% | 6,840 |
| Pretax return on assets | -1.2431% | 6,980 |
| Return on Equity (ROE) | -6.9400% | 6,825 |
| Retained earnings to average equity (ytd only) | -6.9400% | 6,718 |
| Net charge-offs to loans | 0.2438% | 3,661 |
| Credit loss provision to net charge-offs | 5,274.4076% | 63 |
| Earnings coverage of net charge-offs (x) | 44.6682% | 684 |
| Efficiency ratio | 36.7986% | 7,378 |
| Assets per employee ($millions) | 4.4941% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.4654% | 74 |
| Loan loss allowance to noncurrent loans | 21.3183% | 6,677 |
| Noncurrent assets plus other real estate owned to assets | 19.1054% | 75 |
| Noncurrent loans to loans | 30.3278% | 13 |
| Net loans and leases to total assets | 58.2959% | 4,578 |
| Net loans and leases to deposits | 65.4239% | 5,084 |
| Net loans and leases to core deposits | 76.0533% | 4,313 |
| Total domestic deposits to total assets | 89.1049% | 1,477 |
| Equity capital to assets | 10.2556% | 3,809 |
| Core capital (leverage) ratio | 9.4406% | 4,044 |
| Tier 1 risk-based capital ratio | 33.0343% | 417 |
| Total risk-based capital ratio | 34.3669% | 404 |
| Memoranda: | ||
| Average total assets | $1,373,495,670 | 495 |
| Average earning assets | $1,006,877,330 | 598 |
| Average equity | $142,824,000 | 501 |
| Average total loans | $865,397,330 | 493 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0937% | 101 |
| Cost of funding earning assets | 0.9858% | 4,300 |
| Net interest margin | 6.1079% | 90 |
| Noninterest income to average assets | 1.0819% | 1,124 |
| Noninterest expense to average assets | 4.4660% | 614 |
| Loan and lease loss provision to assets | 0.2609% | 3,052 |
| Net operating income to assets | 0.5321% | 4,343 |
| Return on assets (ROA) | 0.5289% | 4,441 |
| Pretax return on assets | 0.8830% | 3,569 |
| Return on Equity (ROE) | 5.0525% | 4,377 |
| Retained earnings to average equity (ytd only) | 5.0525% | 3,155 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7499% | 3,380 |
| Assets per employee ($millions) | 4.7734% | 2,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1163% | 7,471 |
| Loan loss allowance to noncurrent loans | 0.4776% | 7,073 |
| Noncurrent assets plus other real estate owned to assets | 15.3261% | 151 |
| Noncurrent loans to loans | 24.3437% | 40 |
| Net loans and leases to total assets | 62.3337% | 3,785 |
| Net loans and leases to deposits | 71.5686% | 4,128 |
| Net loans and leases to core deposits | 79.3571% | 3,838 |
| Total domestic deposits to total assets | 87.0964% | 2,893 |
| Equity capital to assets | 10.5504% | 3,128 |
| Core capital (leverage) ratio | 9.7743% | 3,418 |
| Tier 1 risk-based capital ratio | 30.4478% | 501 |
| Total risk-based capital ratio | 30.6756% | 539 |
| Memoranda: | ||
| Average total assets | $1,381,635,500 | 496 |
| Average earning assets | $1,025,354,500 | 592 |
| Average equity | $144,641,000 | 486 |
| Average total loans | $875,150,500 | 503 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7830% | 7,517 |
| Cost of funding earning assets | 0.3369% | 7,479 |
| Net interest margin | 2.4462% | 7,301 |
| Noninterest income to average assets | 0.5576% | 3,771 |
| Noninterest expense to average assets | 1.5682% | 7,421 |
| Loan and lease loss provision to assets | 0.0073% | 7,005 |
| Net operating income to assets | 0.5039% | 4,083 |
| Return on assets (ROA) | 0.5039% | 4,243 |
| Pretax return on assets | 0.8363% | 3,518 |
| Return on Equity (ROE) | 4.8462% | 4,138 |
| Retained earnings to average equity (ytd only) | 4.8462% | 2,514 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3449% | 6,553 |
| Assets per employee ($millions) | 4.5221% | 2,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0112% | 7,577 |
| Loan loss allowance to noncurrent loans | 0.0537% | 7,153 |
| Noncurrent assets plus other real estate owned to assets | 13.6063% | 205 |
| Noncurrent loans to loans | 20.9309% | 63 |
| Net loans and leases to total assets | 64.2669% | 3,819 |
| Net loans and leases to deposits | 76.6388% | 3,744 |
| Net loans and leases to core deposits | 85.9799% | 3,318 |
| Total domestic deposits to total assets | 83.8569% | 4,419 |
| Equity capital to assets | 10.3875% | 3,287 |
| Core capital (leverage) ratio | 9.6186% | 3,527 |
| Tier 1 risk-based capital ratio | 30.1808% | 501 |
| Total risk-based capital ratio | 30.2039% | 538 |
| Memoranda: | ||
| Average total assets | $1,370,366,000 | 495 |
| Average earning assets | $1,038,725,000 | 578 |
| Average equity | $142,482,500 | 485 |
| Average total loans | $899,180,500 | 500 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.3028% | 7,714 |
| Cost of funding earning assets | 0.1370% | 7,694 |
| Net interest margin | 1.1658% | 7,694 |
| Noninterest income to average assets | 0.4006% | 4,949 |
| Noninterest expense to average assets | 0.6483% | 7,725 |
| Loan and lease loss provision to assets | 0.0049% | 6,959 |
| Net operating income to assets | 0.3912% | 4,789 |
| Return on assets (ROA) | 0.3912% | 4,967 |
| Pretax return on assets | 0.6393% | 4,456 |
| Return on Equity (ROE) | 3.7584% | 4,888 |
| Retained earnings to average equity (ytd only) | 3.7584% | 3,813 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.0445% | 7,556 |
| Assets per employee ($millions) | 4.4491% | 2,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0055% | 7,687 |
| Loan loss allowance to noncurrent loans | 0.0337% | 7,257 |
| Noncurrent assets plus other real estate owned to assets | 11.1689% | 320 |
| Noncurrent loans to loans | 16.3077% | 135 |
| Net loans and leases to total assets | 66.9809% | 3,465 |
| Net loans and leases to deposits | 80.2764% | 3,397 |
| Net loans and leases to core deposits | 87.1491% | 3,498 |
| Total domestic deposits to total assets | 83.4379% | 4,403 |
| Equity capital to assets | 10.4075% | 3,631 |
| Core capital (leverage) ratio | 9.6322% | 3,707 |
| Tier 1 risk-based capital ratio | 31.1217% | 467 |
| Total risk-based capital ratio | 31.1335% | 508 |
| Memoranda: | ||
| Average total assets | $1,356,968,000 | 491 |
| Average earning assets | $1,038,129,000 | 572 |
| Average equity | $141,226,000 | 484 |
| Average total loans | $908,959,000 | 494 |