Home > Virginia Community Bank > Performance and Condition Ratios
Virginia Community Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1936% | 1,057 |
| Cost of funding earning assets | 0.4126% | 4,459 |
| Net interest margin | 4.7811% | 430 |
| Noninterest income to average assets | 0.5626% | 2,397 |
| Noninterest expense to average assets | 3.5233% | 921 |
| Loan and lease loss provision to assets | 0.0021% | 3,813 |
| Net operating income to assets | 1.0881% | 2,621 |
| Return on assets (ROA) | 1.0831% | 2,733 |
| Pretax return on assets | 1.3689% | 2,424 |
| Return on Equity (ROE) | 10.6338% | 2,160 |
| Retained earnings to average equity (ytd only) | 10.6338% | 597 |
| Net charge-offs to loans | -0.0161% | 4,528 |
| Credit loss provision to net charge-offs | -19.0476% | 3,974 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8934% | 1,851 |
| Assets per employee ($millions) | 4.4910% | 3,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8611% | 4,195 |
| Loan loss allowance to noncurrent loans | 2,342.4242% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0608% | 4,409 |
| Noncurrent loans to loans | 0.0368% | 4,492 |
| Net loans and leases to total assets | 70.7773% | 2,360 |
| Net loans and leases to deposits | 81.0740% | 2,791 |
| Net loans and leases to core deposits | 83.3382% | 3,148 |
| Total domestic deposits to total assets | 87.2996% | 1,373 |
| Equity capital to assets | 10.2888% | 3,741 |
| Core capital (leverage) ratio | 10.7520% | 2,890 |
| Tier 1 risk-based capital ratio | 12.7546% | 3,986 |
| Total risk-based capital ratio | 13.4976% | 4,168 |
| Memoranda: | ||
| Average total assets | $250,027,000 | 2,483 |
| Average earning assets | $226,861,500 | 2,513 |
| Average equity | $25,465,250 | 2,692 |
| Average total loans | $173,594,000 | 2,414 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2401% | 912 |
| Cost of funding earning assets | 0.4202% | 4,432 |
| Net interest margin | 4.8199% | 392 |
| Noninterest income to average assets | 0.5362% | 2,466 |
| Noninterest expense to average assets | 3.5514% | 902 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0712% | 2,642 |
| Return on assets (ROA) | 1.0636% | 2,730 |
| Pretax return on assets | 1.3425% | 2,408 |
| Return on Equity (ROE) | 10.4784% | 2,186 |
| Retained earnings to average equity (ytd only) | 10.4784% | 640 |
| Net charge-offs to loans | -0.0245% | 4,617 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4256% | 1,859 |
| Assets per employee ($millions) | 4.1489% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8639% | 4,222 |
| Loan loss allowance to noncurrent loans | 2,083.7838% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.0647% | 4,432 |
| Noncurrent loans to loans | 0.0415% | 4,499 |
| Net loans and leases to total assets | 71.0806% | 2,367 |
| Net loans and leases to deposits | 80.0162% | 2,951 |
| Net loans and leases to core deposits | 82.1192% | 3,258 |
| Total domestic deposits to total assets | 88.8327% | 733 |
| Equity capital to assets | 10.3124% | 3,684 |
| Core capital (leverage) ratio | 10.4975% | 3,092 |
| Tier 1 risk-based capital ratio | 12.7158% | 4,001 |
| Total risk-based capital ratio | 13.4590% | 4,173 |
| Memoranda: | ||
| Average total assets | $249,537,330 | 2,493 |
| Average earning assets | $226,104,330 | 2,533 |
| Average equity | $25,328,330 | 2,687 |
| Average total loans | $171,609,330 | 2,440 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0590% | 1,196 |
| Cost of funding earning assets | 0.4145% | 4,427 |
| Net interest margin | 4.6445% | 557 |
| Noninterest income to average assets | 0.5027% | 2,540 |
| Noninterest expense to average assets | 3.3542% | 1,183 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0549% | 2,643 |
| Return on assets (ROA) | 1.0423% | 2,730 |
| Pretax return on assets | 1.3128% | 2,403 |
| Return on Equity (ROE) | 10.3510% | 2,219 |
| Retained earnings to average equity (ytd only) | 10.3510% | 954 |
| Net charge-offs to loans | 0.0285% | 1,890 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 69.1667% | 852 |
| Efficiency ratio | 71.6239% | 2,094 |
| Assets per employee ($millions) | 4.1355% | 3,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8979% | 4,166 |
| Loan loss allowance to noncurrent loans | 667.6991% | 828 |
| Noncurrent assets plus other real estate owned to assets | 0.1479% | 4,064 |
| Noncurrent loans to loans | 0.1345% | 4,136 |
| Net loans and leases to total assets | 66.0213% | 3,048 |
| Net loans and leases to deposits | 74.7642% | 3,378 |
| Net loans and leases to core deposits | 76.6911% | 3,617 |
| Total domestic deposits to total assets | 88.3060% | 1,183 |
| Equity capital to assets | 10.0489% | 3,776 |
| Core capital (leverage) ratio | 10.7069% | 2,838 |
| Tier 1 risk-based capital ratio | 12.8974% | 3,927 |
| Total risk-based capital ratio | 13.6371% | 4,106 |
| Memoranda: | ||
| Average total assets | $249,839,500 | 2,517 |
| Average earning assets | $224,868,000 | 2,557 |
| Average equity | $25,157,000 | 2,699 |
| Average total loans | $168,171,500 | 2,490 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0698% | 906 |
| Cost of funding earning assets | 0.3848% | 4,080 |
| Net interest margin | 4.6850% | 506 |
| Noninterest income to average assets | 0.5545% | 2,522 |
| Noninterest expense to average assets | 3.7924% | 691 |
| Loan and lease loss provision to assets | -0.1866% | 5,326 |
| Net operating income to assets | 0.9557% | 3,196 |
| Return on assets (ROA) | 0.9624% | 3,169 |
| Pretax return on assets | 1.2087% | 2,848 |
| Return on Equity (ROE) | 9.4774% | 2,757 |
| Retained earnings to average equity (ytd only) | 9.4774% | 740 |
| Net charge-offs to loans | 0.0782% | 2,010 |
| Credit loss provision to net charge-offs | -341.6058% | 4,568 |
| Earnings coverage of net charge-offs (x) | 18.5620% | 2,123 |
| Efficiency ratio | 78.9068% | 1,048 |
| Assets per employee ($millions) | 4.2657% | 3,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9038% | 4,140 |
| Loan loss allowance to noncurrent loans | 535.5634% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1742% | 3,936 |
| Noncurrent loans to loans | 0.1688% | 3,992 |
| Net loans and leases to total assets | 67.4030% | 2,952 |
| Net loans and leases to deposits | 78.9672% | 3,056 |
| Net loans and leases to core deposits | 81.0029% | 3,351 |
| Total domestic deposits to total assets | 85.3556% | 2,481 |
| Equity capital to assets | 10.0901% | 3,583 |
| Core capital (leverage) ratio | 10.5220% | 3,005 |
| Tier 1 risk-based capital ratio | 12.8222% | 3,955 |
| Total risk-based capital ratio | 13.5728% | 4,110 |
| Memoranda: | ||
| Average total assets | $250,841,800 | 2,464 |
| Average earning assets | $227,640,800 | 2,499 |
| Average equity | $25,471,000 | 2,609 |
| Average total loans | $175,199,800 | 2,374 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0490% | 844 |
| Cost of funding earning assets | 0.3866% | 3,963 |
| Net interest margin | 4.6624% | 511 |
| Noninterest income to average assets | 0.5424% | 2,606 |
| Noninterest expense to average assets | 3.8394% | 638 |
| Loan and lease loss provision to assets | -0.2564% | 5,422 |
| Net operating income to assets | 0.9419% | 3,345 |
| Return on assets (ROA) | 0.9508% | 3,313 |
| Pretax return on assets | 1.1929% | 3,010 |
| Return on Equity (ROE) | 9.3495% | 2,934 |
| Retained earnings to average equity (ytd only) | 9.3495% | 1,096 |
| Net charge-offs to loans | 0.0942% | 1,551 |
| Credit loss provision to net charge-offs | -387.2000% | 4,447 |
| Earnings coverage of net charge-offs (x) | 13.9762% | 2,315 |
| Efficiency ratio | 80.5781% | 895 |
| Assets per employee ($millions) | 4.1732% | 3,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8592% | 4,426 |
| Loan loss allowance to noncurrent loans | 478.5489% | 1,137 |
| Noncurrent assets plus other real estate owned to assets | 0.1823% | 4,032 |
| Noncurrent loans to loans | 0.1795% | 4,086 |
| Net loans and leases to total assets | 68.7611% | 2,826 |
| Net loans and leases to deposits | 80.1061% | 3,032 |
| Net loans and leases to core deposits | 82.1929% | 3,315 |
| Total domestic deposits to total assets | 85.8375% | 2,266 |
| Equity capital to assets | 10.0909% | 3,547 |
| Core capital (leverage) ratio | 10.3455% | 3,242 |
| Tier 1 risk-based capital ratio | 12.5047% | 4,197 |
| Total risk-based capital ratio | 13.2305% | 4,399 |
| Memoranda: | ||
| Average total assets | $251,699,250 | 2,476 |
| Average earning assets | $227,946,500 | 2,512 |
| Average equity | $25,597,750 | 2,608 |
| Average total loans | $176,928,750 | 2,372 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0305% | 767 |
| Cost of funding earning assets | 0.3905% | 3,806 |
| Net interest margin | 4.6400% | 507 |
| Noninterest income to average assets | 0.5607% | 2,514 |
| Noninterest expense to average assets | 3.8039% | 669 |
| Loan and lease loss provision to assets | -0.3916% | 5,508 |
| Net operating income to assets | 1.0640% | 2,732 |
| Return on assets (ROA) | 1.0768% | 2,686 |
| Pretax return on assets | 1.3536% | 2,313 |
| Return on Equity (ROE) | 10.5602% | 2,306 |
| Retained earnings to average equity (ytd only) | 10.5602% | 772 |
| Net charge-offs to loans | -0.0271% | 4,710 |
| Credit loss provision to net charge-offs | 2,045.8333% | 210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0840% | 1,011 |
| Assets per employee ($millions) | 3.8754% | 4,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9696% | 4,011 |
| Loan loss allowance to noncurrent loans | 535.1613% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.1814% | 4,071 |
| Noncurrent loans to loans | 0.1812% | 4,093 |
| Net loans and leases to total assets | 67.2690% | 2,981 |
| Net loans and leases to deposits | 76.6177% | 3,278 |
| Net loans and leases to core deposits | 78.3925% | 3,541 |
| Total domestic deposits to total assets | 87.7983% | 1,473 |
| Equity capital to assets | 10.3359% | 3,304 |
| Core capital (leverage) ratio | 10.5327% | 3,000 |
| Tier 1 risk-based capital ratio | 12.6952% | 4,063 |
| Total risk-based capital ratio | 13.4960% | 4,222 |
| Memoranda: | ||
| Average total assets | $250,743,330 | 2,498 |
| Average earning assets | $226,381,330 | 2,538 |
| Average equity | $25,567,670 | 2,625 |
| Average total loans | $177,051,670 | 2,381 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9615% | 760 |
| Cost of funding earning assets | 0.3963% | 3,614 |
| Net interest margin | 4.5652% | 544 |
| Noninterest income to average assets | 0.5037% | 2,775 |
| Noninterest expense to average assets | 3.7799% | 693 |
| Loan and lease loss provision to assets | -0.7851% | 5,590 |
| Net operating income to assets | 1.3111% | 1,606 |
| Return on assets (ROA) | 1.3111% | 1,612 |
| Pretax return on assets | 1.6533% | 1,234 |
| Return on Equity (ROE) | 12.9473% | 1,278 |
| Retained earnings to average equity (ytd only) | 12.9473% | 529 |
| Net charge-offs to loans | -0.0222% | 4,611 |
| Credit loss provision to net charge-offs | 4,910.0000% | 75 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3209% | 1,018 |
| Assets per employee ($millions) | 4.0414% | 3,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9207% | 4,348 |
| Loan loss allowance to noncurrent loans | 349.2569% | 1,476 |
| Noncurrent assets plus other real estate owned to assets | 0.2442% | 3,893 |
| Noncurrent loans to loans | 0.2636% | 3,818 |
| Net loans and leases to total assets | 70.6519% | 2,375 |
| Net loans and leases to deposits | 80.3507% | 2,769 |
| Net loans and leases to core deposits | 82.4048% | 3,110 |
| Total domestic deposits to total assets | 87.9294% | 1,658 |
| Equity capital to assets | 10.2359% | 3,356 |
| Core capital (leverage) ratio | 10.5546% | 2,888 |
| Tier 1 risk-based capital ratio | 12.1063% | 4,492 |
| Total risk-based capital ratio | 12.8790% | 4,677 |
| Memoranda: | ||
| Average total assets | $250,165,500 | 2,516 |
| Average earning assets | $227,111,000 | 2,559 |
| Average equity | $25,333,500 | 2,666 |
| Average total loans | $180,023,000 | 2,361 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7145% | 1,165 |
| Cost of funding earning assets | 0.3620% | 3,598 |
| Net interest margin | 4.3525% | 855 |
| Noninterest income to average assets | 0.6232% | 2,337 |
| Noninterest expense to average assets | 3.5003% | 1,034 |
| Loan and lease loss provision to assets | -0.2444% | 5,600 |
| Net operating income to assets | 0.9177% | 2,609 |
| Return on assets (ROA) | 0.9291% | 2,582 |
| Pretax return on assets | 1.3491% | 2,175 |
| Return on Equity (ROE) | 9.1480% | 2,243 |
| Retained earnings to average equity (ytd only) | 4.0789% | 2,729 |
| Net charge-offs to loans | -0.0711% | 5,283 |
| Credit loss provision to net charge-offs | 474.4000% | 663 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2846% | 1,577 |
| Assets per employee ($millions) | 4.0284% | 3,914 |
| Cash dividends to net income (ytd only)* | 55.4126% | 2,001 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1722% | 2,938 |
| Loan loss allowance to noncurrent loans | 437.4486% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 3,883 |
| Noncurrent loans to loans | 0.2680% | 3,826 |
| Net loans and leases to total assets | 71.7656% | 2,269 |
| Net loans and leases to deposits | 85.9650% | 2,265 |
| Net loans and leases to core deposits | 88.4378% | 2,689 |
| Total domestic deposits to total assets | 83.4823% | 3,389 |
| Equity capital to assets | 10.0171% | 3,685 |
| Core capital (leverage) ratio | 10.2414% | 3,136 |
| Tier 1 risk-based capital ratio | 11.6477% | 4,758 |
| Total risk-based capital ratio | 12.6400% | 4,802 |
| Memoranda: | ||
| Average total assets | $242,608,200 | 2,544 |
| Average earning assets | $221,020,800 | 2,574 |
| Average equity | $24,639,200 | 2,699 |
| Average total loans | $175,918,200 | 2,371 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6453% | 1,257 |
| Cost of funding earning assets | 0.3577% | 3,588 |
| Net interest margin | 4.2876% | 950 |
| Noninterest income to average assets | 0.6367% | 2,275 |
| Noninterest expense to average assets | 3.3728% | 1,199 |
| Loan and lease loss provision to assets | -0.1069% | 5,590 |
| Net operating income to assets | 0.8721% | 3,167 |
| Return on assets (ROA) | 0.8798% | 3,180 |
| Pretax return on assets | 1.2839% | 2,571 |
| Return on Equity (ROE) | 8.6318% | 2,798 |
| Retained earnings to average equity (ytd only) | 8.6318% | 973 |
| Net charge-offs to loans | -0.0634% | 5,240 |
| Credit loss provision to net charge-offs | 232.5301% | 1,202 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3108% | 1,848 |
| Assets per employee ($millions) | 4.0374% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 1,860 |
| Loan loss allowance to noncurrent loans | 257.1429% | 1,804 |
| Noncurrent assets plus other real estate owned to assets | 0.4586% | 3,200 |
| Noncurrent loans to loans | 0.5469% | 3,057 |
| Net loans and leases to total assets | 71.8964% | 2,266 |
| Net loans and leases to deposits | 83.0749% | 2,649 |
| Net loans and leases to core deposits | 85.2350% | 3,033 |
| Total domestic deposits to total assets | 86.5441% | 2,079 |
| Equity capital to assets | 10.2430% | 3,646 |
| Core capital (leverage) ratio | 10.1359% | 3,400 |
| Tier 1 risk-based capital ratio | 12.0027% | 4,615 |
| Total risk-based capital ratio | 13.2115% | 4,530 |
| Memoranda: | ||
| Average total assets | $240,819,500 | 2,574 |
| Average earning assets | $219,168,500 | 2,608 |
| Average equity | $24,544,250 | 2,730 |
| Average total loans | $174,555,250 | 2,394 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5939% | 1,260 |
| Cost of funding earning assets | 0.3474% | 3,609 |
| Net interest margin | 4.2465% | 981 |
| Noninterest income to average assets | 0.6516% | 2,197 |
| Noninterest expense to average assets | 3.3061% | 1,362 |
| Loan and lease loss provision to assets | 0.0008% | 3,863 |
| Net operating income to assets | 0.8295% | 3,251 |
| Return on assets (ROA) | 0.8346% | 3,277 |
| Pretax return on assets | 1.2174% | 2,711 |
| Return on Equity (ROE) | 8.2029% | 2,913 |
| Retained earnings to average equity (ytd only) | 8.2029% | 1,083 |
| Net charge-offs to loans | 0.0058% | 3,257 |
| Credit loss provision to net charge-offs | 20.0000% | 2,787 |
| Earnings coverage of net charge-offs (x) | 291.0000% | 288 |
| Efficiency ratio | 73.1945% | 2,150 |
| Assets per employee ($millions) | 4.1118% | 3,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4625% | 1,713 |
| Loan loss allowance to noncurrent loans | 203.9370% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.5923% | 2,795 |
| Noncurrent loans to loans | 0.7172% | 2,597 |
| Net loans and leases to total assets | 71.9299% | 2,212 |
| Net loans and leases to deposits | 83.9127% | 2,487 |
| Net loans and leases to core deposits | 86.1035% | 2,868 |
| Total domestic deposits to total assets | 85.7199% | 2,519 |
| Equity capital to assets | 10.1828% | 3,688 |
| Core capital (leverage) ratio | 10.3208% | 3,117 |
| Tier 1 risk-based capital ratio | 12.1368% | 4,540 |
| Total risk-based capital ratio | 13.3870% | 4,421 |
| Memoranda: | ||
| Average total assets | $240,345,000 | 2,588 |
| Average earning assets | $218,767,330 | 2,620 |
| Average equity | $24,454,670 | 2,738 |
| Average total loans | $173,857,670 | 2,405 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5725% | 1,205 |
| Cost of funding earning assets | 0.3372% | 3,670 |
| Net interest margin | 4.2353% | 917 |
| Noninterest income to average assets | 0.5351% | 2,739 |
| Noninterest expense to average assets | 3.3024% | 1,387 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7549% | 3,456 |
| Return on assets (ROA) | 0.7642% | 3,456 |
| Pretax return on assets | 1.1103% | 2,937 |
| Return on Equity (ROE) | 7.5132% | 3,163 |
| Retained earnings to average equity (ytd only) | 7.5132% | 1,647 |
| Net charge-offs to loans | -0.0441% | 5,128 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0665% | 2,059 |
| Assets per employee ($millions) | 4.0412% | 3,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5438% | 1,531 |
| Loan loss allowance to noncurrent loans | 212.4390% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 0.8166% | 2,254 |
| Noncurrent loans to loans | 0.7267% | 2,681 |
| Net loans and leases to total assets | 69.8925% | 2,403 |
| Net loans and leases to deposits | 79.6977% | 2,789 |
| Net loans and leases to core deposits | 81.7849% | 3,111 |
| Total domestic deposits to total assets | 87.6970% | 1,889 |
| Equity capital to assets | 10.2999% | 3,406 |
| Core capital (leverage) ratio | 10.4466% | 2,963 |
| Tier 1 risk-based capital ratio | 12.6833% | 4,272 |
| Total risk-based capital ratio | 13.9342% | 4,176 |
| Memoranda: | ||
| Average total assets | $239,219,500 | 2,625 |
| Average earning assets | $218,263,000 | 2,656 |
| Average equity | $24,330,500 | 2,764 |
| Average total loans | $172,242,000 | 2,436 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6609% | 1,141 |
| Cost of funding earning assets | 0.3410% | 3,621 |
| Net interest margin | 4.3200% | 904 |
| Noninterest income to average assets | 0.5804% | 2,759 |
| Noninterest expense to average assets | 3.5928% | 1,026 |
| Loan and lease loss provision to assets | -0.3911% | 5,863 |
| Net operating income to assets | 0.8984% | 2,828 |
| Return on assets (ROA) | 0.9131% | 2,864 |
| Pretax return on assets | 1.3352% | 2,163 |
| Return on Equity (ROE) | 8.9199% | 2,462 |
| Retained earnings to average equity (ytd only) | 8.9199% | 602 |
| Net charge-offs to loans | -0.0042% | 4,787 |
| Credit loss provision to net charge-offs | 12,628.5714% | 32 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5708% | 1,474 |
| Assets per employee ($millions) | 4.2859% | 3,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 1,752 |
| Loan loss allowance to noncurrent loans | 214.9130% | 2,138 |
| Noncurrent assets plus other real estate owned to assets | 0.8087% | 2,329 |
| Noncurrent loans to loans | 0.6888% | 2,814 |
| Net loans and leases to total assets | 71.9274% | 2,175 |
| Net loans and leases to deposits | 85.0899% | 2,300 |
| Net loans and leases to core deposits | 87.6096% | 2,712 |
| Total domestic deposits to total assets | 84.5311% | 3,226 |
| Equity capital to assets | 10.0425% | 3,682 |
| Core capital (leverage) ratio | 10.2445% | 3,179 |
| Tier 1 risk-based capital ratio | 12.3460% | 4,478 |
| Total risk-based capital ratio | 13.5967% | 4,367 |
| Memoranda: | ||
| Average total assets | $226,033,600 | 2,699 |
| Average earning assets | $205,881,600 | 2,730 |
| Average equity | $23,139,200 | 2,879 |
| Average total loans | $164,726,800 | 2,466 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6824% | 1,103 |
| Cost of funding earning assets | 0.3397% | 3,657 |
| Net interest margin | 4.3427% | 858 |
| Noninterest income to average assets | 0.5955% | 2,682 |
| Noninterest expense to average assets | 3.5277% | 1,099 |
| Loan and lease loss provision to assets | -0.2924% | 5,904 |
| Net operating income to assets | 0.8989% | 2,913 |
| Return on assets (ROA) | 0.9185% | 2,937 |
| Pretax return on assets | 1.3415% | 2,267 |
| Return on Equity (ROE) | 8.9262% | 2,536 |
| Retained earnings to average equity (ytd only) | 8.9262% | 837 |
| Net charge-offs to loans | -0.0165% | 4,946 |
| Credit loss provision to net charge-offs | 2,440.0000% | 210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5655% | 1,759 |
| Assets per employee ($millions) | 3.7645% | 4,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7427% | 1,118 |
| Loan loss allowance to noncurrent loans | 208.9770% | 2,172 |
| Noncurrent assets plus other real estate owned to assets | 0.9396% | 2,215 |
| Noncurrent loans to loans | 0.8339% | 2,598 |
| Net loans and leases to total assets | 72.5446% | 2,105 |
| Net loans and leases to deposits | 83.6997% | 2,521 |
| Net loans and leases to core deposits | 86.5881% | 2,897 |
| Total domestic deposits to total assets | 86.6725% | 2,049 |
| Equity capital to assets | 10.2088% | 3,902 |
| Core capital (leverage) ratio | 10.3440% | 3,167 |
| Tier 1 risk-based capital ratio | 12.3484% | 4,574 |
| Total risk-based capital ratio | 13.6024% | 4,476 |
| Memoranda: | ||
| Average total assets | $222,539,500 | 2,743 |
| Average earning assets | $202,542,250 | 2,773 |
| Average equity | $22,898,250 | 2,929 |
| Average total loans | $162,101,750 | 2,500 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7121% | 1,024 |
| Cost of funding earning assets | 0.3377% | 3,722 |
| Net interest margin | 4.3745% | 805 |
| Noninterest income to average assets | 0.6112% | 2,565 |
| Noninterest expense to average assets | 3.5438% | 1,094 |
| Loan and lease loss provision to assets | -0.4513% | 6,012 |
| Net operating income to assets | 1.0121% | 2,336 |
| Return on assets (ROA) | 1.0369% | 2,359 |
| Pretax return on assets | 1.5202% | 1,610 |
| Return on Equity (ROE) | 10.0493% | 2,026 |
| Retained earnings to average equity (ytd only) | 10.0493% | 585 |
| Net charge-offs to loans | -0.0378% | 5,245 |
| Credit loss provision to net charge-offs | 1,646.6667% | 247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4406% | 1,865 |
| Assets per employee ($millions) | 3.6819% | 4,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8655% | 951 |
| Loan loss allowance to noncurrent loans | 236.0283% | 1,993 |
| Noncurrent assets plus other real estate owned to assets | 1.1768% | 1,779 |
| Noncurrent loans to loans | 0.7904% | 2,771 |
| Net loans and leases to total assets | 70.4289% | 2,412 |
| Net loans and leases to deposits | 81.0954% | 2,803 |
| Net loans and leases to core deposits | 83.9903% | 3,083 |
| Total domestic deposits to total assets | 86.8469% | 1,991 |
| Equity capital to assets | 10.3614% | 3,776 |
| Core capital (leverage) ratio | 10.8673% | 2,570 |
| Tier 1 risk-based capital ratio | 12.6638% | 4,411 |
| Total risk-based capital ratio | 13.9211% | 4,311 |
| Memoranda: | ||
| Average total assets | $218,920,330 | 2,780 |
| Average earning assets | $198,423,330 | 2,836 |
| Average equity | $22,588,670 | 2,966 |
| Average total loans | $158,695,670 | 2,549 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7405% | 971 |
| Cost of funding earning assets | 0.3478% | 3,621 |
| Net interest margin | 4.3927% | 748 |
| Noninterest income to average assets | 0.5128% | 3,031 |
| Noninterest expense to average assets | 3.5283% | 1,139 |
| Loan and lease loss provision to assets | -0.9237% | 6,104 |
| Net operating income to assets | 1.2750% | 1,320 |
| Return on assets (ROA) | 1.3291% | 1,272 |
| Pretax return on assets | 1.9622% | 612 |
| Return on Equity (ROE) | 12.9093% | 1,055 |
| Retained earnings to average equity (ytd only) | 12.9093% | 401 |
| Net charge-offs to loans | -0.0584% | 5,401 |
| Credit loss provision to net charge-offs | 2,169.5652% | 193 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6304% | 1,813 |
| Assets per employee ($millions) | 3.6021% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9011% | 969 |
| Loan loss allowance to noncurrent loans | 230.9175% | 2,008 |
| Noncurrent assets plus other real estate owned to assets | 1.2335% | 1,765 |
| Noncurrent loans to loans | 0.8233% | 2,781 |
| Net loans and leases to total assets | 71.5067% | 2,112 |
| Net loans and leases to deposits | 80.1907% | 2,764 |
| Net loans and leases to core deposits | 83.1993% | 3,018 |
| Total domestic deposits to total assets | 89.1708% | 1,015 |
| Equity capital to assets | 10.5077% | 3,484 |
| Core capital (leverage) ratio | 10.4764% | 2,999 |
| Tier 1 risk-based capital ratio | 12.8162% | 4,387 |
| Total risk-based capital ratio | 14.0715% | 4,293 |
| Memoranda: | ||
| Average total assets | $216,083,500 | 2,821 |
| Average earning assets | $195,505,000 | 2,870 |
| Average equity | $22,247,500 | 2,997 |
| Average total loans | $157,450,500 | 2,557 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6720% | 1,174 |
| Cost of funding earning assets | 0.3478% | 3,722 |
| Net interest margin | 4.3242% | 919 |
| Noninterest income to average assets | 0.6160% | 2,639 |
| Noninterest expense to average assets | 3.6612% | 1,030 |
| Loan and lease loss provision to assets | 0.0089% | 4,222 |
| Net operating income to assets | 0.5921% | 4,310 |
| Return on assets (ROA) | 0.6361% | 4,193 |
| Pretax return on assets | 0.9202% | 3,762 |
| Return on Equity (ROE) | 6.4312% | 3,822 |
| Retained earnings to average equity (ytd only) | 6.4312% | 1,581 |
| Net charge-offs to loans | 0.0034% | 4,340 |
| Credit loss provision to net charge-offs | 380.0000% | 787 |
| Earnings coverage of net charge-offs (x) | 369.2000% | 182 |
| Efficiency ratio | 80.8824% | 1,549 |
| Assets per employee ($millions) | 3.6007% | 4,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2058% | 586 |
| Loan loss allowance to noncurrent loans | 215.1891% | 2,146 |
| Noncurrent assets plus other real estate owned to assets | 1.2933% | 1,644 |
| Noncurrent loans to loans | 1.0250% | 2,288 |
| Net loans and leases to total assets | 71.2320% | 2,164 |
| Net loans and leases to deposits | 79.4848% | 2,885 |
| Net loans and leases to core deposits | 82.8215% | 3,064 |
| Total domestic deposits to total assets | 89.6172% | 791 |
| Equity capital to assets | 10.0838% | 3,873 |
| Core capital (leverage) ratio | 10.0168% | 3,485 |
| Tier 1 risk-based capital ratio | 12.3422% | 4,737 |
| Total risk-based capital ratio | 13.6009% | 4,623 |
| Memoranda: | ||
| Average total assets | $213,318,000 | 2,806 |
| Average earning assets | $192,913,400 | 2,860 |
| Average equity | $21,100,200 | 3,059 |
| Average total loans | $147,784,000 | 2,628 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6496% | 1,210 |
| Cost of funding earning assets | 0.3463% | 3,793 |
| Net interest margin | 4.3032% | 952 |
| Noninterest income to average assets | 0.5574% | 3,004 |
| Noninterest expense to average assets | 3.6587% | 1,033 |
| Loan and lease loss provision to assets | 0.0044% | 4,171 |
| Net operating income to assets | 0.5406% | 4,628 |
| Return on assets (ROA) | 0.5994% | 4,493 |
| Pretax return on assets | 0.8672% | 4,103 |
| Return on Equity (ROE) | 6.0903% | 4,111 |
| Retained earnings to average equity (ytd only) | 6.0903% | 2,189 |
| Net charge-offs to loans | 0.0073% | 3,912 |
| Credit loss provision to net charge-offs | 87.5000% | 2,504 |
| Earnings coverage of net charge-offs (x) | 156.6973% | 445 |
| Efficiency ratio | 82.3106% | 1,356 |
| Assets per employee ($millions) | 3.4639% | 4,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2152% | 644 |
| Loan loss allowance to noncurrent loans | 164.9642% | 2,626 |
| Noncurrent assets plus other real estate owned to assets | 1.3829% | 1,665 |
| Noncurrent loans to loans | 1.3428% | 1,905 |
| Net loans and leases to total assets | 71.0343% | 2,227 |
| Net loans and leases to deposits | 79.2589% | 2,961 |
| Net loans and leases to core deposits | 82.4226% | 3,210 |
| Total domestic deposits to total assets | 89.6230% | 721 |
| Equity capital to assets | 10.0059% | 4,141 |
| Core capital (leverage) ratio | 9.9054% | 3,764 |
| Tier 1 risk-based capital ratio | 12.1948% | 4,964 |
| Total risk-based capital ratio | 13.4537% | 4,863 |
| Memoranda: | ||
| Average total assets | $212,637,750 | 2,836 |
| Average earning assets | $192,099,250 | 2,898 |
| Average equity | $20,929,000 | 3,099 |
| Average total loans | $145,390,000 | 2,672 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6039% | 1,271 |
| Cost of funding earning assets | 0.3490% | 3,816 |
| Net interest margin | 4.2549% | 1,009 |
| Noninterest income to average assets | 0.5172% | 3,247 |
| Noninterest expense to average assets | 3.6890% | 1,002 |
| Loan and lease loss provision to assets | 0.0019% | 4,043 |
| Net operating income to assets | 0.4653% | 4,916 |
| Return on assets (ROA) | 0.5445% | 4,688 |
| Pretax return on assets | 0.7823% | 4,378 |
| Return on Equity (ROE) | 5.5635% | 4,342 |
| Retained earnings to average equity (ytd only) | 5.5635% | 2,497 |
| Net charge-offs to loans | 0.1636% | 1,489 |
| Credit loss provision to net charge-offs | 1.7241% | 3,151 |
| Earnings coverage of net charge-offs (x) | 6.1293% | 2,819 |
| Efficiency ratio | 84.6104% | 1,200 |
| Assets per employee ($millions) | 3.4055% | 4,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2250% | 712 |
| Loan loss allowance to noncurrent loans | 157.5401% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 1.3969% | 1,794 |
| Noncurrent loans to loans | 1.4123% | 1,906 |
| Net loans and leases to total assets | 68.4719% | 2,573 |
| Net loans and leases to deposits | 77.0766% | 3,150 |
| Net loans and leases to core deposits | 80.3264% | 3,354 |
| Total domestic deposits to total assets | 88.8361% | 1,226 |
| Equity capital to assets | 9.7647% | 4,325 |
| Core capital (leverage) ratio | 9.6965% | 4,006 |
| Tier 1 risk-based capital ratio | 12.0473% | 5,112 |
| Total risk-based capital ratio | 13.3056% | 5,007 |
| Memoranda: | ||
| Average total assets | $211,929,000 | 2,863 |
| Average earning assets | $191,402,670 | 2,923 |
| Average equity | $20,742,330 | 3,136 |
| Average total loans | $141,849,330 | 2,727 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6654% | 1,100 |
| Cost of funding earning assets | 0.3553% | 3,801 |
| Net interest margin | 4.3101% | 857 |
| Noninterest income to average assets | 0.5014% | 3,277 |
| Noninterest expense to average assets | 3.7299% | 966 |
| Loan and lease loss provision to assets | 0.0038% | 3,659 |
| Net operating income to assets | 0.4660% | 4,806 |
| Return on assets (ROA) | 0.4957% | 4,824 |
| Pretax return on assets | 0.7027% | 4,582 |
| Return on Equity (ROE) | 5.0585% | 4,501 |
| Retained earnings to average equity (ytd only) | 5.0585% | 3,022 |
| Net charge-offs to loans | 0.0843% | 1,870 |
| Credit loss provision to net charge-offs | 6.8966% | 2,449 |
| Earnings coverage of net charge-offs (x) | 12.0690% | 1,820 |
| Efficiency ratio | 84.8747% | 1,282 |
| Assets per employee ($millions) | 3.3617% | 5,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5103% | 524 |
| Loan loss allowance to noncurrent loans | 149.7163% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 1.4813% | 1,777 |
| Noncurrent loans to loans | 1.6767% | 1,650 |
| Net loans and leases to total assets | 61.9138% | 3,378 |
| Net loans and leases to deposits | 68.9071% | 3,868 |
| Net loans and leases to core deposits | 71.6098% | 4,002 |
| Total domestic deposits to total assets | 89.8511% | 813 |
| Equity capital to assets | 9.7273% | 4,466 |
| Core capital (leverage) ratio | 9.5101% | 4,261 |
| Tier 1 risk-based capital ratio | 12.4619% | 4,930 |
| Total risk-based capital ratio | 13.7226% | 4,837 |
| Memoranda: | ||
| Average total assets | $210,619,500 | 2,906 |
| Average earning assets | $190,250,000 | 2,943 |
| Average equity | $20,638,500 | 3,172 |
| Average total loans | $137,650,000 | 2,781 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5646% | 1,649 |
| Cost of funding earning assets | 0.3715% | 4,022 |
| Net interest margin | 4.1931% | 1,325 |
| Noninterest income to average assets | 0.2434% | 5,385 |
| Noninterest expense to average assets | 3.6958% | 1,163 |
| Loan and lease loss provision to assets | 0.1200% | 2,176 |
| Net operating income to assets | 0.1349% | 5,905 |
| Return on assets (ROA) | 0.2069% | 5,815 |
| Pretax return on assets | 0.2742% | 5,747 |
| Return on Equity (ROE) | 2.2195% | 5,714 |
| Retained earnings to average equity (ytd only) | 2.2195% | 4,668 |
| Net charge-offs to loans | 0.8800% | 370 |
| Credit loss provision to net charge-offs | 21.9684% | 3,952 |
| Earnings coverage of net charge-offs (x) | 0.5457% | 4,617 |
| Efficiency ratio | 92.5343% | 676 |
| Assets per employee ($millions) | 3.2202% | 5,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4931% | 553 |
| Loan loss allowance to noncurrent loans | 96.4027% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 2.4537% | 947 |
| Noncurrent loans to loans | 2.5861% | 966 |
| Net loans and leases to total assets | 65.6053% | 2,964 |
| Net loans and leases to deposits | 73.1230% | 3,541 |
| Net loans and leases to core deposits | 76.0219% | 3,706 |
| Total domestic deposits to total assets | 89.7192% | 865 |
| Equity capital to assets | 9.8737% | 4,266 |
| Core capital (leverage) ratio | 9.3323% | 4,491 |
| Tier 1 risk-based capital ratio | 12.5069% | 5,035 |
| Total risk-based capital ratio | 13.7690% | 4,942 |
| Memoranda: | ||
| Average total assets | $208,264,800 | 2,896 |
| Average earning assets | $186,282,800 | 2,956 |
| Average equity | $19,418,400 | 3,227 |
| Average total loans | $129,312,000 | 2,882 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5984% | 1,563 |
| Cost of funding earning assets | 0.3742% | 4,084 |
| Net interest margin | 4.2242% | 1,211 |
| Noninterest income to average assets | 0.1501% | 6,015 |
| Noninterest expense to average assets | 3.6249% | 1,251 |
| Loan and lease loss provision to assets | 0.4961% | 302 |
| Net operating income to assets | -0.0621% | 6,195 |
| Return on assets (ROA) | 0.0057% | 6,150 |
| Pretax return on assets | -0.0951% | 6,202 |
| Return on Equity (ROE) | 0.0625% | 6,152 |
| Retained earnings to average equity (ytd only) | 0.0625% | 5,778 |
| Net charge-offs to loans | 1.0112% | 297 |
| Credit loss provision to net charge-offs | 80.6854% | 2,581 |
| Earnings coverage of net charge-offs (x) | 0.4797% | 4,377 |
| Efficiency ratio | 92.4743% | 672 |
| Assets per employee ($millions) | 3.2438% | 5,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3600% | 256 |
| Loan loss allowance to noncurrent loans | 66.6934% | 4,584 |
| Noncurrent assets plus other real estate owned to assets | 3.5836% | 590 |
| Noncurrent loans to loans | 5.0379% | 358 |
| Net loans and leases to total assets | 55.8749% | 4,347 |
| Net loans and leases to deposits | 61.8122% | 4,755 |
| Net loans and leases to core deposits | 64.0515% | 4,876 |
| Total domestic deposits to total assets | 90.3946% | 574 |
| Equity capital to assets | 9.1551% | 5,206 |
| Core capital (leverage) ratio | 9.1404% | 4,871 |
| Tier 1 risk-based capital ratio | 12.8365% | 4,958 |
| Total risk-based capital ratio | 14.0610% | 4,883 |
| Memoranda: | ||
| Average total assets | $208,807,750 | 2,914 |
| Average earning assets | $186,348,250 | 2,977 |
| Average equity | $19,185,750 | 3,273 |
| Average total loans | $126,973,750 | 2,930 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4609% | 1,957 |
| Cost of funding earning assets | 0.3780% | 4,127 |
| Net interest margin | 4.0829% | 1,565 |
| Noninterest income to average assets | 0.2115% | 5,688 |
| Noninterest expense to average assets | 3.6272% | 1,247 |
| Loan and lease loss provision to assets | 0.6414% | 216 |
| Net operating income to assets | -0.2601% | 6,350 |
| Return on assets (ROA) | -0.2589% | 6,362 |
| Pretax return on assets | -0.4241% | 6,400 |
| Return on Equity (ROE) | -2.8140% | 6,369 |
| Retained earnings to average equity (ytd only) | -2.8140% | 6,079 |
| Net charge-offs to loans | 1.5933% | 168 |
| Credit loss provision to net charge-offs | 65.0980% | 2,556 |
| Earnings coverage of net charge-offs (x) | 0.2186% | 4,090 |
| Efficiency ratio | 94.3942% | 623 |
| Assets per employee ($millions) | 3.2095% | 5,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1819% | 314 |
| Loan loss allowance to noncurrent loans | 53.8617% | 5,014 |
| Noncurrent assets plus other real estate owned to assets | 4.3999% | 447 |
| Noncurrent loans to loans | 5.9076% | 273 |
| Net loans and leases to total assets | 58.1799% | 3,967 |
| Net loans and leases to deposits | 64.5066% | 4,437 |
| Net loans and leases to core deposits | 66.8118% | 4,567 |
| Total domestic deposits to total assets | 90.1922% | 712 |
| Equity capital to assets | 9.3433% | 4,931 |
| Core capital (leverage) ratio | 8.6333% | 5,490 |
| Tier 1 risk-based capital ratio | 11.9800% | 5,553 |
| Total risk-based capital ratio | 13.2477% | 5,473 |
| Memoranda: | ||
| Average total assets | $207,047,330 | 2,954 |
| Average earning assets | $184,134,000 | 3,025 |
| Average equity | $19,047,670 | 3,281 |
| Average total loans | $128,038,000 | 2,903 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4511% | 1,957 |
| Cost of funding earning assets | 0.3859% | 4,131 |
| Net interest margin | 4.0652% | 1,558 |
| Noninterest income to average assets | -0.0562% | 6,652 |
| Noninterest expense to average assets | 3.6362% | 1,241 |
| Loan and lease loss provision to assets | 0.5779% | 232 |
| Net operating income to assets | -0.4230% | 6,440 |
| Return on assets (ROA) | -0.4441% | 6,454 |
| Pretax return on assets | -0.7078% | 6,510 |
| Return on Equity (ROE) | -4.8657% | 6,462 |
| Retained earnings to average equity (ytd only) | -4.8657% | 6,115 |
| Net charge-offs to loans | 0.1608% | 1,756 |
| Credit loss provision to net charge-offs | 573.0769% | 491 |
| Earnings coverage of net charge-offs (x) | -0.9615% | 3,511 |
| Efficiency ratio | 102.7397% | 405 |
| Assets per employee ($millions) | 3.1842% | 5,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5280% | 262 |
| Loan loss allowance to noncurrent loans | 49.5467% | 5,212 |
| Noncurrent assets plus other real estate owned to assets | 6.0448% | 278 |
| Noncurrent loans to loans | 7.1205% | 212 |
| Net loans and leases to total assets | 60.6558% | 3,452 |
| Net loans and leases to deposits | 67.1649% | 3,954 |
| Net loans and leases to core deposits | 69.6701% | 4,131 |
| Total domestic deposits to total assets | 90.3088% | 909 |
| Equity capital to assets | 9.1467% | 4,942 |
| Core capital (leverage) ratio | 8.8710% | 5,171 |
| Tier 1 risk-based capital ratio | 12.0030% | 5,644 |
| Total risk-based capital ratio | 13.2746% | 5,563 |
| Memoranda: | ||
| Average total assets | $206,261,000 | 2,981 |
| Average earning assets | $182,426,000 | 3,070 |
| Average equity | $18,825,500 | 3,307 |
| Average total loans | $129,375,000 | 2,889 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7929% | 1,335 |
| Cost of funding earning assets | 0.5511% | 3,098 |
| Net interest margin | 4.2418% | 1,243 |
| Noninterest income to average assets | 0.4858% | 3,849 |
| Noninterest expense to average assets | 3.3347% | 2,040 |
| Loan and lease loss provision to assets | 0.5461% | 484 |
| Net operating income to assets | 0.2985% | 5,531 |
| Return on assets (ROA) | 0.4960% | 4,887 |
| Pretax return on assets | 0.7164% | 4,477 |
| Return on Equity (ROE) | 5.6014% | 4,327 |
| Retained earnings to average equity (ytd only) | 5.6014% | 2,216 |
| Net charge-offs to loans | 1.7303% | 244 |
| Credit loss provision to net charge-offs | 48.5361% | 3,851 |
| Earnings coverage of net charge-offs (x) | 0.8676% | 4,798 |
| Efficiency ratio | 77.3544% | 2,563 |
| Assets per employee ($millions) | 3.2117% | 5,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3782% | 321 |
| Loan loss allowance to noncurrent loans | 58.8036% | 4,910 |
| Noncurrent assets plus other real estate owned to assets | 5.3627% | 413 |
| Noncurrent loans to loans | 5.7449% | 375 |
| Net loans and leases to total assets | 60.4590% | 3,632 |
| Net loans and leases to deposits | 66.8557% | 4,196 |
| Net loans and leases to core deposits | 69.3559% | 4,363 |
| Total domestic deposits to total assets | 90.4321% | 856 |
| Equity capital to assets | 9.1072% | 4,914 |
| Core capital (leverage) ratio | 8.7915% | 5,298 |
| Tier 1 risk-based capital ratio | 11.9661% | 5,634 |
| Total risk-based capital ratio | 13.2354% | 5,562 |
| Memoranda: | ||
| Average total assets | $215,519,200 | 2,854 |
| Average earning assets | $194,350,600 | 2,903 |
| Average equity | $19,084,400 | 3,268 |
| Average total loans | $140,145,800 | 2,694 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7850% | 1,387 |
| Cost of funding earning assets | 0.5997% | 2,812 |
| Net interest margin | 4.1853% | 1,383 |
| Noninterest income to average assets | 0.4159% | 4,401 |
| Noninterest expense to average assets | 3.2946% | 2,095 |
| Loan and lease loss provision to assets | 0.4403% | 655 |
| Net operating income to assets | 0.3213% | 5,536 |
| Return on assets (ROA) | 0.5804% | 4,557 |
| Pretax return on assets | 0.8476% | 4,105 |
| Return on Equity (ROE) | 6.5985% | 3,875 |
| Retained earnings to average equity (ytd only) | 6.5985% | 2,080 |
| Net charge-offs to loans | 0.6777% | 887 |
| Credit loss provision to net charge-offs | 99.0371% | 2,407 |
| Earnings coverage of net charge-offs (x) | 2.0399% | 4,151 |
| Efficiency ratio | 78.4134% | 2,355 |
| Assets per employee ($millions) | 3.3616% | 5,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0528% | 226 |
| Loan loss allowance to noncurrent loans | 56.4128% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 6.0705% | 393 |
| Noncurrent loans to loans | 7.1841% | 285 |
| Net loans and leases to total assets | 62.4450% | 3,279 |
| Net loans and leases to deposits | 68.9985% | 3,933 |
| Net loans and leases to core deposits | 71.2363% | 4,189 |
| Total domestic deposits to total assets | 90.5019% | 743 |
| Equity capital to assets | 8.9612% | 5,233 |
| Core capital (leverage) ratio | 9.0093% | 5,114 |
| Tier 1 risk-based capital ratio | 11.8800% | 5,854 |
| Total risk-based capital ratio | 13.1576% | 5,777 |
| Memoranda: | ||
| Average total assets | $218,011,250 | 2,853 |
| Average earning assets | $197,194,500 | 2,881 |
| Average equity | $19,175,500 | 3,296 |
| Average total loans | $143,027,500 | 2,666 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8329% | 1,261 |
| Cost of funding earning assets | 0.7006% | 2,059 |
| Net interest margin | 4.1323% | 1,457 |
| Noninterest income to average assets | 0.4744% | 4,001 |
| Noninterest expense to average assets | 3.2687% | 2,165 |
| Loan and lease loss provision to assets | 0.4207% | 719 |
| Net operating income to assets | 0.3575% | 5,376 |
| Return on assets (ROA) | 0.7424% | 3,758 |
| Pretax return on assets | 1.0977% | 3,102 |
| Return on Equity (ROE) | 8.4921% | 2,849 |
| Retained earnings to average equity (ytd only) | 8.4921% | 1,295 |
| Net charge-offs to loans | 1.0265% | 590 |
| Credit loss provision to net charge-offs | 62.3149% | 2,976 |
| Earnings coverage of net charge-offs (x) | 1.4105% | 4,067 |
| Efficiency ratio | 77.4381% | 2,555 |
| Assets per employee ($millions) | 3.4905% | 4,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6862% | 323 |
| Loan loss allowance to noncurrent loans | 61.0339% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 5.6993% | 503 |
| Noncurrent loans to loans | 6.0396% | 465 |
| Net loans and leases to total assets | 66.2834% | 2,543 |
| Net loans and leases to deposits | 73.1996% | 3,262 |
| Net loans and leases to core deposits | 75.5937% | 3,594 |
| Total domestic deposits to total assets | 90.5515% | 728 |
| Equity capital to assets | 8.9137% | 5,308 |
| Core capital (leverage) ratio | 8.7226% | 5,384 |
| Tier 1 risk-based capital ratio | 11.5837% | 6,064 |
| Total risk-based capital ratio | 12.8587% | 6,003 |
| Memoranda: | ||
| Average total assets | $220,088,330 | 2,839 |
| Average earning assets | $199,548,330 | 2,879 |
| Average equity | $19,241,330 | 3,299 |
| Average total loans | $144,759,330 | 2,649 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6830% | 1,584 |
| Cost of funding earning assets | 0.5592% | 3,484 |
| Net interest margin | 4.1238% | 1,392 |
| Noninterest income to average assets | 0.4844% | 3,889 |
| Noninterest expense to average assets | 3.2225% | 2,286 |
| Loan and lease loss provision to assets | 0.4631% | 602 |
| Net operating income to assets | 0.3563% | 5,324 |
| Return on assets (ROA) | 0.8997% | 2,802 |
| Pretax return on assets | 1.3522% | 2,032 |
| Return on Equity (ROE) | 10.3851% | 1,917 |
| Retained earnings to average equity (ytd only) | 10.3851% | 1,011 |
| Net charge-offs to loans | 0.1958% | 2,241 |
| Credit loss provision to net charge-offs | 367.6056% | 686 |
| Earnings coverage of net charge-offs (x) | 7.9718% | 1,997 |
| Efficiency ratio | 76.2385% | 2,884 |
| Assets per employee ($millions) | 3.7022% | 4,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9703% | 295 |
| Loan loss allowance to noncurrent loans | 72.4505% | 4,238 |
| Noncurrent assets plus other real estate owned to assets | 5.1326% | 698 |
| Noncurrent loans to loans | 5.4800% | 657 |
| Net loans and leases to total assets | 61.9365% | 3,073 |
| Net loans and leases to deposits | 71.7180% | 3,220 |
| Net loans and leases to core deposits | 73.9881% | 3,578 |
| Total domestic deposits to total assets | 86.3612% | 3,325 |
| Equity capital to assets | 8.6710% | 5,844 |
| Core capital (leverage) ratio | 8.2465% | 5,883 |
| Tier 1 risk-based capital ratio | 11.0225% | 6,396 |
| Total risk-based capital ratio | 12.2957% | 6,360 |
| Memoranda: | ||
| Average total assets | $225,417,000 | 2,817 |
| Average earning assets | $204,568,000 | 2,846 |
| Average equity | $19,528,000 | 3,312 |
| Average total loans | $145,073,500 | 2,650 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2074% | 1,103 |
| Cost of funding earning assets | 0.6994% | 3,498 |
| Net interest margin | 4.5080% | 934 |
| Noninterest income to average assets | 0.1369% | 6,355 |
| Noninterest expense to average assets | 3.4152% | 2,014 |
| Loan and lease loss provision to assets | 0.5253% | 1,107 |
| Net operating income to assets | 0.1831% | 5,823 |
| Return on assets (ROA) | 0.2669% | 5,797 |
| Pretax return on assets | 0.3925% | 5,593 |
| Return on Equity (ROE) | 3.1666% | 5,483 |
| Retained earnings to average equity (ytd only) | 3.1666% | 4,000 |
| Net charge-offs to loans | 0.8926% | 1,280 |
| Credit loss provision to net charge-offs | 89.8764% | 3,480 |
| Earnings coverage of net charge-offs (x) | 1.3594% | 4,775 |
| Efficiency ratio | 81.1266% | 1,993 |
| Assets per employee ($millions) | 3.6290% | 4,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8708% | 315 |
| Loan loss allowance to noncurrent loans | 116.3754% | 2,938 |
| Noncurrent assets plus other real estate owned to assets | 3.7200% | 1,195 |
| Noncurrent loans to loans | 3.3262% | 1,537 |
| Net loans and leases to total assets | 61.7322% | 3,295 |
| Net loans and leases to deposits | 72.1706% | 3,387 |
| Net loans and leases to core deposits | 74.2195% | 3,754 |
| Total domestic deposits to total assets | 85.5365% | 3,594 |
| Equity capital to assets | 8.6551% | 5,901 |
| Core capital (leverage) ratio | 7.9746% | 6,223 |
| Tier 1 risk-based capital ratio | 11.0245% | 6,341 |
| Total risk-based capital ratio | 12.3014% | 6,298 |
| Memoranda: | ||
| Average total assets | $221,395,000 | 2,828 |
| Average earning assets | $200,023,400 | 2,844 |
| Average equity | $18,663,400 | 3,378 |
| Average total loans | $144,975,200 | 2,650 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2415% | 1,112 |
| Cost of funding earning assets | 0.7188% | 3,607 |
| Net interest margin | 4.5227% | 949 |
| Noninterest income to average assets | 0.4493% | 4,295 |
| Noninterest expense to average assets | 3.4588% | 1,862 |
| Loan and lease loss provision to assets | 0.5031% | 1,218 |
| Net operating income to assets | 0.3776% | 5,341 |
| Return on assets (ROA) | 0.4910% | 5,149 |
| Pretax return on assets | 0.7317% | 4,741 |
| Return on Equity (ROE) | 5.8646% | 4,398 |
| Retained earnings to average equity (ytd only) | 5.8646% | 2,785 |
| Net charge-offs to loans | 1.1413% | 883 |
| Credit loss provision to net charge-offs | 66.9887% | 3,981 |
| Earnings coverage of net charge-offs (x) | 1.4187% | 4,579 |
| Efficiency ratio | 76.4501% | 2,602 |
| Assets per employee ($millions) | 3.5032% | 4,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6227% | 418 |
| Loan loss allowance to noncurrent loans | 148.9767% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 2.9590% | 1,770 |
| Noncurrent loans to loans | 2.4317% | 2,361 |
| Net loans and leases to total assets | 65.0886% | 2,821 |
| Net loans and leases to deposits | 76.7164% | 2,869 |
| Net loans and leases to core deposits | 79.0120% | 3,325 |
| Total domestic deposits to total assets | 84.8431% | 3,818 |
| Equity capital to assets | 8.9539% | 5,865 |
| Core capital (leverage) ratio | 8.2892% | 6,027 |
| Tier 1 risk-based capital ratio | 11.0269% | 6,467 |
| Total risk-based capital ratio | 12.3012% | 6,433 |
| Memoranda: | ||
| Average total assets | $220,493,500 | 2,852 |
| Average earning assets | $198,666,750 | 2,876 |
| Average equity | $18,460,750 | 3,438 |
| Average total loans | $145,096,250 | 2,674 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2264% | 1,188 |
| Cost of funding earning assets | 0.7461% | 3,633 |
| Net interest margin | 4.4803% | 1,028 |
| Noninterest income to average assets | 0.5406% | 3,652 |
| Noninterest expense to average assets | 3.4740% | 1,848 |
| Loan and lease loss provision to assets | 0.5803% | 1,043 |
| Net operating income to assets | 0.3449% | 5,451 |
| Return on assets (ROA) | 0.5009% | 5,070 |
| Pretax return on assets | 0.7464% | 4,674 |
| Return on Equity (ROE) | 6.1219% | 4,263 |
| Retained earnings to average equity (ytd only) | 6.1219% | 2,635 |
| Net charge-offs to loans | 1.6131% | 580 |
| Credit loss provision to net charge-offs | 55.1458% | 3,928 |
| Earnings coverage of net charge-offs (x) | 1.0395% | 4,500 |
| Efficiency ratio | 76.0522% | 2,736 |
| Assets per employee ($millions) | 3.3515% | 5,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6142% | 456 |
| Loan loss allowance to noncurrent loans | 97.7815% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 4.0729% | 1,243 |
| Noncurrent loans to loans | 3.6962% | 1,533 |
| Net loans and leases to total assets | 64.6660% | 2,892 |
| Net loans and leases to deposits | 76.0589% | 2,983 |
| Net loans and leases to core deposits | 78.2940% | 3,467 |
| Total domestic deposits to total assets | 85.0210% | 3,847 |
| Equity capital to assets | 8.7644% | 5,953 |
| Core capital (leverage) ratio | 8.0131% | 6,262 |
| Tier 1 risk-based capital ratio | 10.8861% | 6,549 |
| Total risk-based capital ratio | 12.1604% | 6,523 |
| Memoranda: | ||
| Average total assets | $221,591,000 | 2,852 |
| Average earning assets | $199,182,000 | 2,878 |
| Average equity | $18,131,670 | 3,478 |
| Average total loans | $144,566,000 | 2,696 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1046% | 1,562 |
| Cost of funding earning assets | 0.7487% | 3,871 |
| Net interest margin | 4.3558% | 1,326 |
| Noninterest income to average assets | 0.5081% | 3,861 |
| Noninterest expense to average assets | 3.3526% | 2,139 |
| Loan and lease loss provision to assets | 0.5561% | 1,046 |
| Net operating income to assets | 0.3396% | 5,516 |
| Return on assets (ROA) | 0.5348% | 4,882 |
| Pretax return on assets | 0.7977% | 4,420 |
| Return on Equity (ROE) | 6.7648% | 3,908 |
| Retained earnings to average equity (ytd only) | 6.7648% | 2,542 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9356% | 2,798 |
| Assets per employee ($millions) | 3.5143% | 5,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1937% | 318 |
| Loan loss allowance to noncurrent loans | 80.3647% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 5.0866% | 1,013 |
| Noncurrent loans to loans | 5.2184% | 1,049 |
| Net loans and leases to total assets | 62.2916% | 3,194 |
| Net loans and leases to deposits | 73.5909% | 3,180 |
| Net loans and leases to core deposits | 75.6334% | 3,666 |
| Total domestic deposits to total assets | 84.6457% | 4,188 |
| Equity capital to assets | 8.0812% | 6,460 |
| Core capital (leverage) ratio | 7.9229% | 6,318 |
| Tier 1 risk-based capital ratio | 10.7625% | 6,641 |
| Total risk-based capital ratio | 12.0495% | 6,610 |
| Memoranda: | ||
| Average total assets | $225,140,000 | 2,830 |
| Average earning assets | $201,937,000 | 2,875 |
| Average equity | $17,798,000 | 3,529 |
| Average total loans | $144,896,500 | 2,704 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3889% | 1,443 |
| Cost of funding earning assets | 0.8899% | 4,188 |
| Net interest margin | 4.4990% | 1,138 |
| Noninterest income to average assets | 0.1459% | 6,419 |
| Noninterest expense to average assets | 3.8143% | 1,319 |
| Loan and lease loss provision to assets | 0.9804% | 973 |
| Net operating income to assets | -0.4807% | 6,475 |
| Return on assets (ROA) | -0.4316% | 6,491 |
| Pretax return on assets | -0.5802% | 6,544 |
| Return on Equity (ROE) | -5.4577% | 6,555 |
| Retained earnings to average equity (ytd only) | -5.4577% | 6,481 |
| Net charge-offs to loans | 1.5189% | 1,056 |
| Credit loss provision to net charge-offs | 98.2713% | 3,659 |
| Earnings coverage of net charge-offs (x) | 0.3347% | 5,571 |
| Efficiency ratio | 91.9510% | 1,049 |
| Assets per employee ($millions) | 3.4678% | 5,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9248% | 402 |
| Loan loss allowance to noncurrent loans | 78.5724% | 3,710 |
| Noncurrent assets plus other real estate owned to assets | 4.9066% | 1,097 |
| Noncurrent loans to loans | 4.9952% | 1,125 |
| Net loans and leases to total assets | 61.2192% | 3,737 |
| Net loans and leases to deposits | 72.5418% | 3,727 |
| Net loans and leases to core deposits | 74.3873% | 4,188 |
| Total domestic deposits to total assets | 84.3915% | 4,142 |
| Equity capital to assets | 7.7352% | 6,718 |
| Core capital (leverage) ratio | 7.6109% | 6,594 |
| Tier 1 risk-based capital ratio | 10.2618% | 6,781 |
| Total risk-based capital ratio | 11.5395% | 6,752 |
| Memoranda: | ||
| Average total assets | $226,123,800 | 2,772 |
| Average earning assets | $201,155,200 | 2,839 |
| Average equity | $17,883,000 | 3,443 |
| Average total loans | $148,533,400 | 2,661 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4947% | 1,263 |
| Cost of funding earning assets | 0.9359% | 4,148 |
| Net interest margin | 4.5588% | 1,021 |
| Noninterest income to average assets | 0.0195% | 7,049 |
| Noninterest expense to average assets | 3.7846% | 1,329 |
| Loan and lease loss provision to assets | 0.8942% | 1,008 |
| Net operating income to assets | -0.3969% | 6,580 |
| Return on assets (ROA) | -0.3235% | 6,578 |
| Pretax return on assets | -0.5027% | 6,621 |
| Return on Equity (ROE) | -4.0681% | 6,632 |
| Retained earnings to average equity (ytd only) | -4.0681% | 6,520 |
| Net charge-offs to loans | 1.6174% | 871 |
| Credit loss provision to net charge-offs | 83.5359% | 4,018 |
| Earnings coverage of net charge-offs (x) | 0.2586% | 5,400 |
| Efficiency ratio | 93.1848% | 956 |
| Assets per employee ($millions) | 3.3623% | 5,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7602% | 474 |
| Loan loss allowance to noncurrent loans | 115.3667% | 2,591 |
| Noncurrent assets plus other real estate owned to assets | 3.8766% | 1,591 |
| Noncurrent loans to loans | 3.2593% | 2,128 |
| Net loans and leases to total assets | 61.8394% | 3,766 |
| Net loans and leases to deposits | 73.8798% | 3,670 |
| Net loans and leases to core deposits | 75.6721% | 4,231 |
| Total domestic deposits to total assets | 83.7027% | 4,372 |
| Equity capital to assets | 8.2325% | 6,542 |
| Core capital (leverage) ratio | 7.5989% | 6,695 |
| Tier 1 risk-based capital ratio | 10.3592% | 6,835 |
| Total risk-based capital ratio | 11.6337% | 6,813 |
| Memoranda: | ||
| Average total assets | $225,435,750 | 2,786 |
| Average earning assets | $199,874,000 | 2,863 |
| Average equity | $17,927,750 | 3,435 |
| Average total loans | $149,206,750 | 2,672 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5233% | 1,244 |
| Cost of funding earning assets | 0.9687% | 4,182 |
| Net interest margin | 4.5546% | 1,004 |
| Noninterest income to average assets | -0.0275% | 7,232 |
| Noninterest expense to average assets | 3.8006% | 1,345 |
| Loan and lease loss provision to assets | 0.6634% | 1,452 |
| Net operating income to assets | -0.2979% | 6,555 |
| Return on assets (ROA) | -0.2173% | 6,523 |
| Pretax return on assets | -0.3415% | 6,555 |
| Return on Equity (ROE) | -2.7650% | 6,573 |
| Retained earnings to average equity (ytd only) | -2.7650% | 6,347 |
| Net charge-offs to loans | 1.9630% | 687 |
| Credit loss provision to net charge-offs | 50.5747% | 4,568 |
| Earnings coverage of net charge-offs (x) | 0.1494% | 5,189 |
| Efficiency ratio | 95.0954% | 921 |
| Assets per employee ($millions) | 3.2135% | 5,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4570% | 614 |
| Loan loss allowance to noncurrent loans | 85.9442% | 3,301 |
| Noncurrent assets plus other real estate owned to assets | 6.1484% | 905 |
| Noncurrent loans to loans | 4.0223% | 1,721 |
| Net loans and leases to total assets | 61.4466% | 4,000 |
| Net loans and leases to deposits | 73.0200% | 3,952 |
| Net loans and leases to core deposits | 74.8736% | 4,460 |
| Total domestic deposits to total assets | 84.1503% | 4,284 |
| Equity capital to assets | 7.9332% | 6,726 |
| Core capital (leverage) ratio | 7.8056% | 6,504 |
| Tier 1 risk-based capital ratio | 10.4283% | 6,812 |
| Total risk-based capital ratio | 11.6621% | 6,819 |
| Memoranda: | ||
| Average total assets | $225,488,670 | 2,802 |
| Average earning assets | $199,227,000 | 2,881 |
| Average equity | $17,721,670 | 3,461 |
| Average total loans | $150,691,330 | 2,672 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6038% | 1,044 |
| Cost of funding earning assets | 0.9724% | 4,402 |
| Net interest margin | 4.6314% | 814 |
| Noninterest income to average assets | 0.4925% | 3,947 |
| Noninterest expense to average assets | 3.6296% | 1,703 |
| Loan and lease loss provision to assets | 1.3455% | 502 |
| Net operating income to assets | -0.2283% | 6,593 |
| Return on assets (ROA) | -0.1552% | 6,532 |
| Pretax return on assets | -0.2463% | 6,578 |
| Return on Equity (ROE) | -1.9849% | 6,582 |
| Retained earnings to average equity (ytd only) | -1.9849% | 6,141 |
| Net charge-offs to loans | 1.0715% | 1,282 |
| Credit loss provision to net charge-offs | 183.4550% | 1,596 |
| Earnings coverage of net charge-offs (x) | 1.3431% | 3,676 |
| Efficiency ratio | 78.6543% | 2,741 |
| Assets per employee ($millions) | 3.2812% | 5,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9672% | 427 |
| Loan loss allowance to noncurrent loans | 54.2037% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 7.4185% | 684 |
| Noncurrent loans to loans | 7.3190% | 722 |
| Net loans and leases to total assets | 65.2094% | 3,196 |
| Net loans and leases to deposits | 78.5706% | 2,963 |
| Net loans and leases to core deposits | 81.2640% | 3,568 |
| Total domestic deposits to total assets | 82.9947% | 4,935 |
| Equity capital to assets | 7.7471% | 6,715 |
| Core capital (leverage) ratio | 8.0125% | 6,242 |
| Tier 1 risk-based capital ratio | 9.9150% | 7,031 |
| Total risk-based capital ratio | 11.1795% | 7,029 |
| Memoranda: | ||
| Average total assets | $224,155,000 | 2,835 |
| Average earning assets | $199,506,500 | 2,894 |
| Average equity | $17,532,500 | 3,483 |
| Average total loans | $153,430,000 | 2,657 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8895% | 1,068 |
| Cost of funding earning assets | 1.2439% | 4,255 |
| Net interest margin | 4.6456% | 916 |
| Noninterest income to average assets | 0.5466% | 3,843 |
| Noninterest expense to average assets | 3.6343% | 1,835 |
| Loan and lease loss provision to assets | 2.2480% | 544 |
| Net operating income to assets | -0.7702% | 6,564 |
| Return on assets (ROA) | -0.6637% | 6,529 |
| Pretax return on assets | -1.0081% | 6,648 |
| Return on Equity (ROE) | -7.9418% | 6,620 |
| Retained earnings to average equity (ytd only) | -7.9418% | 6,532 |
| Net charge-offs to loans | 1.7962% | 1,174 |
| Credit loss provision to net charge-offs | 170.4230% | 1,989 |
| Earnings coverage of net charge-offs (x) | 0.8176% | 5,312 |
| Efficiency ratio | 77.1157% | 2,855 |
| Assets per employee ($millions) | 3.2633% | 5,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7636% | 489 |
| Loan loss allowance to noncurrent loans | 89.9766% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 4.8706% | 1,334 |
| Noncurrent loans to loans | 4.1829% | 1,731 |
| Net loans and leases to total assets | 66.4071% | 3,380 |
| Net loans and leases to deposits | 81.2586% | 2,943 |
| Net loans and leases to core deposits | 84.3856% | 3,544 |
| Total domestic deposits to total assets | 81.7232% | 5,283 |
| Equity capital to assets | 7.8976% | 6,584 |
| Core capital (leverage) ratio | 7.7633% | 6,483 |
| Tier 1 risk-based capital ratio | 10.1867% | 6,879 |
| Total risk-based capital ratio | 11.4620% | 6,844 |
| Memoranda: | ||
| Average total assets | $218,637,600 | 2,887 |
| Average earning assets | $196,078,200 | 2,929 |
| Average equity | $18,270,400 | 3,384 |
| Average total loans | $160,563,800 | 2,612 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9523% | 1,029 |
| Cost of funding earning assets | 1.2938% | 4,259 |
| Net interest margin | 4.6585% | 927 |
| Noninterest income to average assets | 0.7027% | 2,801 |
| Noninterest expense to average assets | 3.6255% | 1,731 |
| Loan and lease loss provision to assets | 0.9206% | 1,635 |
| Net operating income to assets | 0.2362% | 5,406 |
| Return on assets (ROA) | 0.3158% | 5,276 |
| Pretax return on assets | 0.4536% | 5,066 |
| Return on Equity (ROE) | 3.7275% | 4,901 |
| Retained earnings to average equity (ytd only) | 3.7275% | 3,839 |
| Net charge-offs to loans | 0.6674% | 2,759 |
| Credit loss provision to net charge-offs | 184.9938% | 1,958 |
| Earnings coverage of net charge-offs (x) | 2.5326% | 3,899 |
| Efficiency ratio | 74.2045% | 3,287 |
| Assets per employee ($millions) | 3.2649% | 5,551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8519% | 960 |
| Loan loss allowance to noncurrent loans | 93.4108% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 3.7336% | 1,902 |
| Noncurrent loans to loans | 3.0531% | 2,617 |
| Net loans and leases to total assets | 66.8806% | 3,492 |
| Net loans and leases to deposits | 81.9955% | 3,107 |
| Net loans and leases to core deposits | 84.9631% | 3,808 |
| Total domestic deposits to total assets | 81.5662% | 5,175 |
| Equity capital to assets | 9.0991% | 5,449 |
| Core capital (leverage) ratio | 8.6245% | 5,307 |
| Tier 1 risk-based capital ratio | 11.4118% | 6,010 |
| Total risk-based capital ratio | 12.6777% | 5,979 |
| Memoranda: | ||
| Average total assets | $217,821,000 | 2,946 |
| Average earning assets | $195,595,000 | 2,974 |
| Average equity | $18,456,750 | 3,402 |
| Average total loans | $162,424,000 | 2,621 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0321% | 870 |
| Cost of funding earning assets | 1.2999% | 4,541 |
| Net interest margin | 4.7322% | 763 |
| Noninterest income to average assets | 0.6186% | 3,206 |
| Noninterest expense to average assets | 3.6092% | 1,755 |
| Loan and lease loss provision to assets | 0.8916% | 1,637 |
| Net operating income to assets | 0.2596% | 5,335 |
| Return on assets (ROA) | 0.3176% | 5,275 |
| Pretax return on assets | 0.4495% | 5,062 |
| Return on Equity (ROE) | 3.8478% | 4,848 |
| Retained earnings to average equity (ytd only) | 3.8478% | 3,638 |
| Net charge-offs to loans | 0.8370% | 2,164 |
| Credit loss provision to net charge-offs | 139.1304% | 2,884 |
| Earnings coverage of net charge-offs (x) | 1.9652% | 4,049 |
| Efficiency ratio | 74.1320% | 3,448 |
| Assets per employee ($millions) | 3.2378% | 5,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5126% | 1,284 |
| Loan loss allowance to noncurrent loans | 92.3891% | 2,966 |
| Noncurrent assets plus other real estate owned to assets | 3.5138% | 1,993 |
| Noncurrent loans to loans | 2.7196% | 2,933 |
| Net loans and leases to total assets | 68.7827% | 3,176 |
| Net loans and leases to deposits | 83.8586% | 2,891 |
| Net loans and leases to core deposits | 87.3640% | 3,640 |
| Total domestic deposits to total assets | 82.0223% | 4,975 |
| Equity capital to assets | 8.7334% | 5,839 |
| Core capital (leverage) ratio | 9.1289% | 4,412 |
| Tier 1 risk-based capital ratio | 11.0860% | 6,146 |
| Total risk-based capital ratio | 12.3486% | 6,123 |
| Memoranda: | ||
| Average total assets | $215,336,000 | 2,995 |
| Average earning assets | $193,398,330 | 3,031 |
| Average equity | $17,776,330 | 3,495 |
| Average total loans | $164,869,000 | 2,626 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1728% | 678 |
| Cost of funding earning assets | 1.3440% | 4,535 |
| Net interest margin | 4.8287% | 604 |
| Noninterest income to average assets | 0.4483% | 4,485 |
| Noninterest expense to average assets | 3.7447% | 1,424 |
| Loan and lease loss provision to assets | 0.9100% | 1,398 |
| Net operating income to assets | 0.1167% | 5,977 |
| Return on assets (ROA) | 0.2327% | 5,681 |
| Pretax return on assets | 0.3052% | 5,583 |
| Return on Equity (ROE) | 2.9104% | 5,376 |
| Retained earnings to average equity (ytd only) | 2.9104% | 4,385 |
| Net charge-offs to loans | 1.2668% | 1,346 |
| Credit loss provision to net charge-offs | 90.0000% | 3,659 |
| Earnings coverage of net charge-offs (x) | 1.0509% | 4,135 |
| Efficiency ratio | 77.8968% | 2,918 |
| Assets per employee ($millions) | 3.1012% | 5,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2418% | 1,674 |
| Loan loss allowance to noncurrent loans | 73.9829% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 3.7006% | 1,890 |
| Noncurrent loans to loans | 3.0301% | 2,647 |
| Net loans and leases to total assets | 77.0893% | 1,312 |
| Net loans and leases to deposits | 88.7729% | 2,082 |
| Net loans and leases to core deposits | 92.4202% | 3,058 |
| Total domestic deposits to total assets | 86.8387% | 2,713 |
| Equity capital to assets | 8.0286% | 6,622 |
| Core capital (leverage) ratio | 8.1338% | 6,017 |
| Tier 1 risk-based capital ratio | 9.4553% | 7,328 |
| Total risk-based capital ratio | 10.7153% | 7,314 |
| Memoranda: | ||
| Average total assets | $209,680,500 | 3,104 |
| Average earning assets | $189,283,500 | 3,128 |
| Average equity | $16,767,500 | 3,703 |
| Average total loans | $167,347,500 | 2,657 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5322% | 625 |
| Cost of funding earning assets | 1.6391% | 4,850 |
| Net interest margin | 4.8930% | 570 |
| Noninterest income to average assets | 0.7247% | 2,822 |
| Noninterest expense to average assets | 3.9659% | 1,411 |
| Loan and lease loss provision to assets | 1.6583% | 1,383 |
| Net operating income to assets | -0.2755% | 5,939 |
| Return on assets (ROA) | -0.2466% | 5,895 |
| Pretax return on assets | -0.4119% | 5,928 |
| Return on Equity (ROE) | -2.9879% | 5,983 |
| Retained earnings to average equity (ytd only) | -2.9879% | 5,697 |
| Net charge-offs to loans | 1.2272% | 2,011 |
| Credit loss provision to net charge-offs | 167.4257% | 2,578 |
| Earnings coverage of net charge-offs (x) | 1.2129% | 4,914 |
| Efficiency ratio | 76.7508% | 3,399 |
| Assets per employee ($millions) | 2.8955% | 6,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2453% | 1,572 |
| Loan loss allowance to noncurrent loans | 79.0508% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 4.0316% | 1,637 |
| Noncurrent loans to loans | 2.8403% | 2,710 |
| Net loans and leases to total assets | 78.9617% | 1,191 |
| Net loans and leases to deposits | 94.9584% | 1,467 |
| Net loans and leases to core deposits | 116.0353% | 2,314 |
| Total domestic deposits to total assets | 83.1540% | 4,455 |
| Equity capital to assets | 7.9644% | 6,618 |
| Core capital (leverage) ratio | 7.9665% | 6,241 |
| Tier 1 risk-based capital ratio | 9.1973% | 7,378 |
| Total risk-based capital ratio | 10.4574% | 7,373 |
| Memoranda: | ||
| Average total assets | $203,938,000 | 3,136 |
| Average earning assets | $185,161,000 | 3,156 |
| Average equity | $16,834,600 | 3,705 |
| Average total loans | $164,601,400 | 2,693 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5293% | 705 |
| Cost of funding earning assets | 1.7095% | 4,851 |
| Net interest margin | 4.8198% | 659 |
| Noninterest income to average assets | 0.7376% | 2,775 |
| Noninterest expense to average assets | 3.9906% | 1,283 |
| Loan and lease loss provision to assets | 0.7455% | 2,505 |
| Net operating income to assets | 0.2886% | 4,830 |
| Return on assets (ROA) | 0.3123% | 4,856 |
| Pretax return on assets | 0.4188% | 4,744 |
| Return on Equity (ROE) | 3.7492% | 4,470 |
| Retained earnings to average equity (ytd only) | 3.7492% | 3,190 |
| Net charge-offs to loans | 0.2843% | 4,252 |
| Credit loss provision to net charge-offs | 324.9284% | 1,267 |
| Earnings coverage of net charge-offs (x) | 4.9370% | 2,964 |
| Efficiency ratio | 77.8904% | 3,181 |
| Assets per employee ($millions) | 2.8410% | 6,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9423% | 1,923 |
| Loan loss allowance to noncurrent loans | 46.9394% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 4.3661% | 1,414 |
| Noncurrent loans to loans | 4.1379% | 1,756 |
| Net loans and leases to total assets | 79.8928% | 1,189 |
| Net loans and leases to deposits | 96.1648% | 1,553 |
| Net loans and leases to core deposits | 119.0034% | 2,335 |
| Total domestic deposits to total assets | 83.0790% | 4,182 |
| Equity capital to assets | 8.4391% | 6,333 |
| Core capital (leverage) ratio | 8.6650% | 5,197 |
| Tier 1 risk-based capital ratio | 9.6244% | 7,293 |
| Total risk-based capital ratio | 10.8810% | 7,247 |
| Memoranda: | ||
| Average total assets | $202,803,250 | 3,174 |
| Average earning assets | $184,537,750 | 3,185 |
| Average equity | $16,892,250 | 3,725 |
| Average total loans | $163,652,250 | 2,733 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5154% | 795 |
| Cost of funding earning assets | 1.8092% | 4,715 |
| Net interest margin | 4.7062% | 793 |
| Noninterest income to average assets | 0.7731% | 2,567 |
| Noninterest expense to average assets | 3.8286% | 1,611 |
| Loan and lease loss provision to assets | 0.4491% | 3,289 |
| Net operating income to assets | 0.5467% | 3,897 |
| Return on assets (ROA) | 0.5545% | 3,981 |
| Pretax return on assets | 0.7840% | 3,723 |
| Return on Equity (ROE) | 6.6870% | 3,341 |
| Retained earnings to average equity (ytd only) | 6.6870% | 1,700 |
| Net charge-offs to loans | 0.3212% | 3,573 |
| Credit loss provision to net charge-offs | 173.8462% | 2,645 |
| Earnings coverage of net charge-offs (x) | 4.7308% | 3,021 |
| Efficiency ratio | 75.8017% | 3,726 |
| Assets per employee ($millions) | 2.7678% | 6,704 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6260% | 2,631 |
| Loan loss allowance to noncurrent loans | 34.4518% | 6,151 |
| Noncurrent assets plus other real estate owned to assets | 4.5494% | 1,226 |
| Noncurrent loans to loans | 4.7196% | 1,336 |
| Net loans and leases to total assets | 79.4596% | 1,413 |
| Net loans and leases to deposits | 95.4942% | 1,872 |
| Net loans and leases to core deposits | 115.5358% | 2,756 |
| Total domestic deposits to total assets | 83.2088% | 4,145 |
| Equity capital to assets | 8.3172% | 6,308 |
| Core capital (leverage) ratio | 8.7389% | 5,025 |
| Tier 1 risk-based capital ratio | 9.8141% | 7,119 |
| Total risk-based capital ratio | 11.0661% | 7,059 |
| Memoranda: | ||
| Average total assets | $201,273,330 | 3,207 |
| Average earning assets | $182,951,670 | 3,229 |
| Average equity | $16,689,000 | 3,778 |
| Average total loans | $161,878,330 | 2,780 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7098% | 574 |
| Cost of funding earning assets | 1.8619% | 4,823 |
| Net interest margin | 4.8479% | 551 |
| Noninterest income to average assets | 0.8120% | 2,274 |
| Noninterest expense to average assets | 3.8496% | 1,383 |
| Loan and lease loss provision to assets | 0.3749% | 3,081 |
| Net operating income to assets | 0.6923% | 3,597 |
| Return on assets (ROA) | 0.7078% | 3,710 |
| Pretax return on assets | 1.0105% | 3,312 |
| Return on Equity (ROE) | 8.5493% | 2,909 |
| Retained earnings to average equity (ytd only) | 8.5493% | 1,619 |
| Net charge-offs to loans | 0.2698% | 3,047 |
| Credit loss provision to net charge-offs | 173.1481% | 2,481 |
| Earnings coverage of net charge-offs (x) | 6.2963% | 2,518 |
| Efficiency ratio | 73.8462% | 3,854 |
| Assets per employee ($millions) | 2.5441% | 7,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 2,913 |
| Loan loss allowance to noncurrent loans | 53.8613% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 2.7799% | 2,038 |
| Noncurrent loans to loans | 2.8075% | 2,330 |
| Net loans and leases to total assets | 78.5610% | 1,679 |
| Net loans and leases to deposits | 94.2311% | 2,233 |
| Net loans and leases to core deposits | 115.3152% | 2,873 |
| Total domestic deposits to total assets | 83.3706% | 3,963 |
| Equity capital to assets | 7.9929% | 6,822 |
| Core capital (leverage) ratio | 9.2601% | 4,304 |
| Tier 1 risk-based capital ratio | 9.8396% | 7,096 |
| Total risk-based capital ratio | 11.0909% | 7,001 |
| Memoranda: | ||
| Average total assets | $199,502,000 | 3,250 |
| Average earning assets | $181,109,500 | 3,262 |
| Average equity | $16,516,000 | 3,836 |
| Average total loans | $160,099,500 | 2,844 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9938% | 1,150 |
| Cost of funding earning assets | 1.9189% | 6,675 |
| Net interest margin | 5.0749% | 433 |
| Noninterest income to average assets | 1.0065% | 1,556 |
| Noninterest expense to average assets | 4.4457% | 915 |
| Loan and lease loss provision to assets | 0.4416% | 3,081 |
| Net operating income to assets | 0.5695% | 4,441 |
| Return on assets (ROA) | 0.6185% | 4,085 |
| Pretax return on assets | 0.7627% | 4,207 |
| Return on Equity (ROE) | 5.9454% | 3,964 |
| Retained earnings to average equity (ytd only) | -3.7512% | 6,273 |
| Net charge-offs to loans | 0.6217% | 1,976 |
| Credit loss provision to net charge-offs | 93.8725% | 5,573 |
| Earnings coverage of net charge-offs (x) | 2.4314% | 4,861 |
| Efficiency ratio | 79.5380% | 2,663 |
| Assets per employee ($millions) | 2.4434% | 7,316 |
| Cash dividends to net income (ytd only)* | 163.0941% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5052% | 2,658 |
| Loan loss allowance to noncurrent loans | 93.9873% | 3,628 |
| Noncurrent assets plus other real estate owned to assets | 1.8560% | 2,661 |
| Noncurrent loans to loans | 1.6015% | 3,370 |
| Net loans and leases to total assets | 79.5363% | 1,765 |
| Net loans and leases to deposits | 100.9165% | 1,723 |
| Net loans and leases to core deposits | 121.3383% | 2,571 |
| Total domestic deposits to total assets | 78.8140% | 5,445 |
| Equity capital to assets | 8.5761% | 5,973 |
| Core capital (leverage) ratio | 9.2056% | 4,430 |
| Tier 1 risk-based capital ratio | 10.0500% | 6,686 |
| Total risk-based capital ratio | 11.3014% | 6,561 |
| Memoranda: | ||
| Average total assets | $173,470,600 | 3,500 |
| Average earning assets | $156,652,800 | 3,539 |
| Average equity | $18,047,600 | 3,546 |
| Average total loans | $131,248,400 | 3,247 |