Home > Washington Savings Bank > Performance and Condition Ratios
Washington Savings Bank, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8092% | 4,217 |
| Cost of funding earning assets | 1.1355% | 947 |
| Net interest margin | 2.6738% | 4,689 |
| Noninterest income to average assets | 0.2777% | 3,859 |
| Noninterest expense to average assets | 3.1141% | 1,602 |
| Loan and lease loss provision to assets | 0.0298% | 3,408 |
| Net operating income to assets | -0.4264% | 4,914 |
| Return on assets (ROA) | -0.4264% | 4,887 |
| Pretax return on assets | -0.4141% | 4,867 |
| Return on Equity (ROE) | -5.1378% | 4,925 |
| Retained earnings to average equity (ytd only) | -5.1378% | 4,532 |
| Net charge-offs to loans | 0.1645% | 801 |
| Credit loss provision to net charge-offs | 22.6415% | 2,190 |
| Earnings coverage of net charge-offs (x) | -2.9245% | 2,507 |
| Efficiency ratio | 114.0781% | 129 |
| Assets per employee ($millions) | 5.1222% | 2,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5780% | 4,791 |
| Loan loss allowance to noncurrent loans | 124.1611% | 2,900 |
| Noncurrent assets plus other real estate owned to assets | 0.3753% | 2,940 |
| Noncurrent loans to loans | 0.4655% | 2,854 |
| Net loans and leases to total assets | 80.1641% | 683 |
| Net loans and leases to deposits | 95.2770% | 976 |
| Net loans and leases to core deposits | 98.1661% | 1,613 |
| Total domestic deposits to total assets | 84.1380% | 2,743 |
| Equity capital to assets | 8.3709% | 4,874 |
| Core capital (leverage) ratio | 7.9408% | 4,990 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6398% | 2,869 |
| Memoranda: | ||
| Average total assets | $161,333,000 | 3,200 |
| Average earning assets | $147,956,500 | 3,210 |
| Average equity | $13,391,000 | 3,845 |
| Average total loans | $128,852,000 | 2,850 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0697% | 4,105 |
| Cost of funding earning assets | 1.2265% | 956 |
| Net interest margin | 2.8431% | 4,717 |
| Noninterest income to average assets | 0.2812% | 4,000 |
| Noninterest expense to average assets | 3.0981% | 1,764 |
| Loan and lease loss provision to assets | 0.0960% | 2,122 |
| Net operating income to assets | -0.3193% | 5,032 |
| Return on assets (ROA) | -0.3193% | 5,042 |
| Pretax return on assets | -0.3070% | 5,038 |
| Return on Equity (ROE) | -3.8185% | 5,062 |
| Retained earnings to average equity (ytd only) | -3.8185% | 4,944 |
| Net charge-offs to loans | 0.0081% | 3,388 |
| Credit loss provision to net charge-offs | 1,418.1818% | 249 |
| Earnings coverage of net charge-offs (x) | -31.1818% | 3,707 |
| Efficiency ratio | 107.3103% | 114 |
| Assets per employee ($millions) | 5.1212% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6023% | 4,739 |
| Loan loss allowance to noncurrent loans | 115.8754% | 3,040 |
| Noncurrent assets plus other real estate owned to assets | 0.4113% | 2,749 |
| Noncurrent loans to loans | 0.5198% | 2,625 |
| Net loans and leases to total assets | 78.6512% | 983 |
| Net loans and leases to deposits | 95.7749% | 964 |
| Net loans and leases to core deposits | 98.6401% | 1,684 |
| Total domestic deposits to total assets | 82.1208% | 3,478 |
| Equity capital to assets | 8.2317% | 5,002 |
| Core capital (leverage) ratio | 7.9492% | 5,052 |
| Tier 1 risk-based capital ratio | 11.8538% | 4,449 |
| Total risk-based capital ratio | 12.6111% | 4,585 |
| Memoranda: | ||
| Average total assets | $162,518,600 | 3,180 |
| Average earning assets | $148,956,000 | 3,187 |
| Average equity | $13,591,800 | 3,807 |
| Average total loans | $135,784,400 | 2,768 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1304% | 4,086 |
| Cost of funding earning assets | 1.2349% | 945 |
| Net interest margin | 2.8955% | 4,761 |
| Noninterest income to average assets | 0.2779% | 4,085 |
| Noninterest expense to average assets | 3.1915% | 1,482 |
| Loan and lease loss provision to assets | 0.0987% | 1,942 |
| Net operating income to assets | -0.3823% | 5,127 |
| Return on assets (ROA) | -0.3823% | 5,135 |
| Pretax return on assets | -0.3617% | 5,124 |
| Return on Equity (ROE) | -4.5529% | 5,151 |
| Retained earnings to average equity (ytd only) | -4.5529% | 5,045 |
| Net charge-offs to loans | 0.0107% | 2,983 |
| Credit loss provision to net charge-offs | 1,090.9091% | 323 |
| Earnings coverage of net charge-offs (x) | -29.0838% | 3,443 |
| Efficiency ratio | 108.9837% | 107 |
| Assets per employee ($millions) | 4.8293% | 2,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5602% | 4,879 |
| Loan loss allowance to noncurrent loans | 211.0482% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.2215% | 3,691 |
| Noncurrent loans to loans | 0.2654% | 3,598 |
| Net loans and leases to total assets | 82.9858% | 450 |
| Net loans and leases to deposits | 103.4180% | 434 |
| Net loans and leases to core deposits | 106.6686% | 1,133 |
| Total domestic deposits to total assets | 80.2431% | 3,939 |
| Equity capital to assets | 8.5024% | 5,003 |
| Core capital (leverage) ratio | 8.1355% | 5,081 |
| Tier 1 risk-based capital ratio | 11.7358% | 4,556 |
| Total risk-based capital ratio | 12.4528% | 4,708 |
| Memoranda: | ||
| Average total assets | $162,178,750 | 3,219 |
| Average earning assets | $148,457,500 | 3,222 |
| Average equity | $13,617,250 | 3,842 |
| Average total loans | $137,312,250 | 2,774 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1502% | 4,047 |
| Cost of funding earning assets | 1.2143% | 949 |
| Net interest margin | 2.9359% | 4,774 |
| Noninterest income to average assets | 0.2649% | 4,164 |
| Noninterest expense to average assets | 3.2277% | 1,449 |
| Loan and lease loss provision to assets | 0.1030% | 1,818 |
| Net operating income to assets | -0.4501% | 5,185 |
| Return on assets (ROA) | -0.4501% | 5,189 |
| Pretax return on assets | -0.3765% | 5,178 |
| Return on Equity (ROE) | -5.3422% | 5,208 |
| Retained earnings to average equity (ytd only) | -5.3422% | 5,071 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.2570% | 102 |
| Assets per employee ($millions) | 4.8824% | 2,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5302% | 4,977 |
| Loan loss allowance to noncurrent loans | 391.3043% | 1,236 |
| Noncurrent assets plus other real estate owned to assets | 0.1142% | 4,189 |
| Noncurrent loans to loans | 0.1355% | 4,070 |
| Net loans and leases to total assets | 83.8325% | 370 |
| Net loans and leases to deposits | 104.8997% | 385 |
| Net loans and leases to core deposits | 108.1537% | 1,092 |
| Total domestic deposits to total assets | 79.9168% | 4,053 |
| Equity capital to assets | 8.4657% | 5,054 |
| Core capital (leverage) ratio | 8.1375% | 5,129 |
| Tier 1 risk-based capital ratio | 11.7960% | 4,525 |
| Total risk-based capital ratio | 12.4822% | 4,707 |
| Memoranda: | ||
| Average total assets | $163,089,330 | 3,222 |
| Average earning assets | $149,390,000 | 3,231 |
| Average equity | $13,739,670 | 3,824 |
| Average total loans | $138,750,670 | 2,780 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1530% | 3,996 |
| Cost of funding earning assets | 1.1778% | 960 |
| Net interest margin | 2.9751% | 4,786 |
| Noninterest income to average assets | 0.2510% | 4,213 |
| Noninterest expense to average assets | 3.7340% | 710 |
| Loan and lease loss provision to assets | 0.1024% | 1,722 |
| Net operating income to assets | -0.6118% | 5,261 |
| Return on assets (ROA) | -0.6118% | 5,257 |
| Pretax return on assets | -0.8579% | 5,271 |
| Return on Equity (ROE) | -7.2386% | 5,276 |
| Retained earnings to average equity (ytd only) | -7.2386% | 5,012 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.3682% | 66 |
| Assets per employee ($millions) | 4.9703% | 2,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4832% | 5,098 |
| Loan loss allowance to noncurrent loans | 533.8583% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 4,421 |
| Noncurrent loans to loans | 0.0905% | 4,347 |
| Net loans and leases to total assets | 85.1281% | 265 |
| Net loans and leases to deposits | 106.9864% | 290 |
| Net loans and leases to core deposits | 110.7175% | 886 |
| Total domestic deposits to total assets | 79.5691% | 4,243 |
| Equity capital to assets | 8.3855% | 5,049 |
| Core capital (leverage) ratio | 8.1431% | 5,161 |
| Tier 1 risk-based capital ratio | 12.0389% | 4,436 |
| Total risk-based capital ratio | 12.6935% | 4,673 |
| Memoranda: | ||
| Average total assets | $164,115,500 | 3,251 |
| Average earning assets | $150,446,500 | 3,263 |
| Average equity | $13,870,000 | 3,820 |
| Average total loans | $140,230,500 | 2,796 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0167% | 3,975 |
| Cost of funding earning assets | 1.0482% | 614 |
| Net interest margin | 2.9685% | 4,832 |
| Noninterest income to average assets | 0.3210% | 3,954 |
| Noninterest expense to average assets | 3.1278% | 1,733 |
| Loan and lease loss provision to assets | 0.0502% | 3,182 |
| Net operating income to assets | -0.1022% | 5,261 |
| Return on assets (ROA) | -0.1022% | 5,256 |
| Pretax return on assets | -0.1530% | 5,259 |
| Return on Equity (ROE) | -1.1694% | 5,261 |
| Retained earnings to average equity (ytd only) | -1.1694% | 5,090 |
| Net charge-offs to loans | 0.0633% | 2,217 |
| Credit loss provision to net charge-offs | 94.1860% | 2,661 |
| Earnings coverage of net charge-offs (x) | -1.9302% | 3,737 |
| Efficiency ratio | 103.4002% | 117 |
| Assets per employee ($millions) | 4.9761% | 2,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4538% | 5,172 |
| Loan loss allowance to noncurrent loans | 795.0000% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.0487% | 4,603 |
| Noncurrent loans to loans | 0.0571% | 4,495 |
| Net loans and leases to total assets | 84.9638% | 317 |
| Net loans and leases to deposits | 105.9547% | 373 |
| Net loans and leases to core deposits | 108.7672% | 1,069 |
| Total domestic deposits to total assets | 80.1888% | 4,064 |
| Equity capital to assets | 8.5171% | 4,923 |
| Core capital (leverage) ratio | 8.4132% | 5,066 |
| Tier 1 risk-based capital ratio | 10.5877% | 5,148 |
| Total risk-based capital ratio | 11.1121% | 5,295 |
| Memoranda: | ||
| Average total assets | $161,390,800 | 3,256 |
| Average earning assets | $147,011,000 | 3,284 |
| Average equity | $14,109,800 | 3,734 |
| Average total loans | $135,957,600 | 2,816 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9991% | 3,935 |
| Cost of funding earning assets | 1.0223% | 542 |
| Net interest margin | 2.9767% | 4,878 |
| Noninterest income to average assets | 0.2971% | 4,163 |
| Noninterest expense to average assets | 3.0328% | 1,923 |
| Loan and lease loss provision to assets | 0.0423% | 3,142 |
| Net operating income to assets | -0.0349% | 5,311 |
| Return on assets (ROA) | -0.0349% | 5,307 |
| Pretax return on assets | -0.0697% | 5,316 |
| Return on Equity (ROE) | -0.3960% | 5,312 |
| Retained earnings to average equity (ytd only) | -0.3960% | 5,088 |
| Net charge-offs to loans | 0.0287% | 2,526 |
| Credit loss provision to net charge-offs | 175.8621% | 1,527 |
| Earnings coverage of net charge-offs (x) | -1.1378% | 3,439 |
| Efficiency ratio | 100.9111% | 142 |
| Assets per employee ($millions) | 4.8721% | 2,629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4909% | 5,199 |
| Loan loss allowance to noncurrent loans | 284.5494% | 1,716 |
| Noncurrent assets plus other real estate owned to assets | 0.2227% | 3,833 |
| Noncurrent loans to loans | 0.1725% | 4,115 |
| Net loans and leases to total assets | 83.5935% | 500 |
| Net loans and leases to deposits | 102.5790% | 614 |
| Net loans and leases to core deposits | 104.9025% | 1,387 |
| Total domestic deposits to total assets | 81.4919% | 3,739 |
| Equity capital to assets | 8.7811% | 4,731 |
| Core capital (leverage) ratio | 8.5512% | 5,067 |
| Tier 1 risk-based capital ratio | 12.6590% | 4,107 |
| Total risk-based capital ratio | 13.3119% | 4,352 |
| Memoranda: | ||
| Average total assets | $160,686,000 | 3,291 |
| Average earning assets | $146,197,500 | 3,331 |
| Average equity | $14,140,750 | 3,761 |
| Average total loans | $134,908,250 | 2,844 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9525% | 3,919 |
| Cost of funding earning assets | 0.9895% | 488 |
| Net interest margin | 2.9630% | 4,925 |
| Noninterest income to average assets | 0.3150% | 4,069 |
| Noninterest expense to average assets | 3.0276% | 1,972 |
| Loan and lease loss provision to assets | 0.0373% | 3,161 |
| Net operating income to assets | -0.0062% | 5,346 |
| Return on assets (ROA) | -0.0062% | 5,339 |
| Pretax return on assets | -0.0548% | 5,357 |
| Return on Equity (ROE) | -0.0707% | 5,339 |
| Retained earnings to average equity (ytd only) | -0.0707% | 4,967 |
| Net charge-offs to loans | 0.0445% | 1,977 |
| Credit loss provision to net charge-offs | 100.0000% | 2,011 |
| Earnings coverage of net charge-offs (x) | -0.4667% | 3,150 |
| Efficiency ratio | 100.5790% | 163 |
| Assets per employee ($millions) | 4.9379% | 2,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4686% | 5,299 |
| Loan loss allowance to noncurrent loans | 141.1894% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 3,325 |
| Noncurrent loans to loans | 0.3319% | 3,508 |
| Net loans and leases to total assets | 83.5532% | 518 |
| Net loans and leases to deposits | 102.2017% | 646 |
| Net loans and leases to core deposits | 104.4680% | 1,359 |
| Total domestic deposits to total assets | 81.7533% | 3,791 |
| Equity capital to assets | 8.6830% | 4,815 |
| Core capital (leverage) ratio | 8.5385% | 5,081 |
| Tier 1 risk-based capital ratio | 12.2048% | 4,369 |
| Total risk-based capital ratio | 12.8121% | 4,646 |
| Memoranda: | ||
| Average total assets | $160,655,330 | 3,317 |
| Average earning assets | $146,136,330 | 3,345 |
| Average equity | $14,148,330 | 3,782 |
| Average total loans | $134,856,670 | 2,859 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9283% | 3,851 |
| Cost of funding earning assets | 0.9559% | 460 |
| Net interest margin | 2.9724% | 4,912 |
| Noninterest income to average assets | 0.2959% | 4,185 |
| Noninterest expense to average assets | 3.1121% | 1,790 |
| Loan and lease loss provision to assets | 0.0376% | 2,995 |
| Net operating income to assets | -0.0577% | 5,409 |
| Return on assets (ROA) | -0.0577% | 5,404 |
| Pretax return on assets | -0.1480% | 5,426 |
| Return on Equity (ROE) | -0.6503% | 5,407 |
| Retained earnings to average equity (ytd only) | -0.6503% | 4,875 |
| Net charge-offs to loans | 0.0299% | 1,901 |
| Credit loss provision to net charge-offs | 150.0000% | 1,229 |
| Earnings coverage of net charge-offs (x) | -4.4000% | 2,686 |
| Efficiency ratio | 103.6759% | 142 |
| Assets per employee ($millions) | 4.6932% | 2,863 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4845% | 5,350 |
| Loan loss allowance to noncurrent loans | 141.0480% | 2,858 |
| Noncurrent assets plus other real estate owned to assets | 0.3654% | 3,376 |
| Noncurrent loans to loans | 0.3435% | 3,533 |
| Net loans and leases to total assets | 83.1578% | 523 |
| Net loans and leases to deposits | 99.1786% | 770 |
| Net loans and leases to core deposits | 101.5552% | 1,569 |
| Total domestic deposits to total assets | 83.8465% | 3,389 |
| Equity capital to assets | 8.8545% | 4,701 |
| Core capital (leverage) ratio | 8.6315% | 5,040 |
| Tier 1 risk-based capital ratio | 12.1558% | 4,456 |
| Total risk-based capital ratio | 12.7774% | 4,741 |
| Memoranda: | ||
| Average total assets | $159,508,000 | 3,365 |
| Average earning assets | $145,203,500 | 3,391 |
| Average equity | $14,148,000 | 3,810 |
| Average total loans | $133,889,500 | 2,888 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9342% | 3,625 |
| Cost of funding earning assets | 0.8925% | 389 |
| Net interest margin | 3.0417% | 4,801 |
| Noninterest income to average assets | 0.6945% | 1,988 |
| Noninterest expense to average assets | 3.0556% | 1,988 |
| Loan and lease loss provision to assets | 0.0377% | 3,515 |
| Net operating income to assets | 0.2418% | 5,030 |
| Return on assets (ROA) | 0.2418% | 5,046 |
| Pretax return on assets | 0.3642% | 5,130 |
| Return on Equity (ROE) | 2.7822% | 4,892 |
| Retained earnings to average equity (ytd only) | 2.7822% | 3,639 |
| Net charge-offs to loans | 0.0437% | 2,918 |
| Credit loss provision to net charge-offs | 103.4483% | 2,471 |
| Earnings coverage of net charge-offs (x) | 11.0345% | 2,610 |
| Efficiency ratio | 88.3763% | 509 |
| Assets per employee ($millions) | 4.6896% | 2,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4768% | 5,411 |
| Loan loss allowance to noncurrent loans | 109.1993% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.3681% | 3,390 |
| Noncurrent loans to loans | 0.4366% | 3,216 |
| Net loans and leases to total assets | 83.9138% | 455 |
| Net loans and leases to deposits | 100.1003% | 721 |
| Net loans and leases to core deposits | 102.2967% | 1,542 |
| Total domestic deposits to total assets | 83.8297% | 3,270 |
| Equity capital to assets | 8.8851% | 4,829 |
| Core capital (leverage) ratio | 8.5865% | 5,058 |
| Tier 1 risk-based capital ratio | 12.0308% | 4,503 |
| Total risk-based capital ratio | 12.6372% | 4,804 |
| Memoranda: | ||
| Average total assets | $159,249,400 | 3,360 |
| Average earning assets | $144,655,800 | 3,389 |
| Average equity | $13,838,000 | 3,866 |
| Average total loans | $132,790,400 | 2,879 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9231% | 3,614 |
| Cost of funding earning assets | 0.8733% | 406 |
| Net interest margin | 3.0498% | 4,814 |
| Noninterest income to average assets | 0.3501% | 4,031 |
| Noninterest expense to average assets | 3.0267% | 2,036 |
| Loan and lease loss provision to assets | 0.0377% | 3,352 |
| Net operating income to assets | 0.0268% | 5,494 |
| Return on assets (ROA) | 0.0268% | 5,502 |
| Pretax return on assets | 0.0553% | 5,487 |
| Return on Equity (ROE) | 0.3102% | 5,498 |
| Retained earnings to average equity (ytd only) | 0.3102% | 5,148 |
| Net charge-offs to loans | 0.0212% | 3,056 |
| Credit loss provision to net charge-offs | 214.2857% | 1,279 |
| Earnings coverage of net charge-offs (x) | 5.2857% | 3,126 |
| Efficiency ratio | 97.0201% | 229 |
| Assets per employee ($millions) | 4.5512% | 3,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4995% | 5,469 |
| Loan loss allowance to noncurrent loans | 107.9805% | 3,394 |
| Noncurrent assets plus other real estate owned to assets | 0.5066% | 3,044 |
| Noncurrent loans to loans | 0.4625% | 3,316 |
| Net loans and leases to total assets | 82.9176% | 555 |
| Net loans and leases to deposits | 97.9263% | 925 |
| Net loans and leases to core deposits | 100.0545% | 1,703 |
| Total domestic deposits to total assets | 84.6735% | 2,848 |
| Equity capital to assets | 8.6740% | 5,169 |
| Core capital (leverage) ratio | 8.3346% | 5,348 |
| Tier 1 risk-based capital ratio | 12.0025% | 4,617 |
| Total risk-based capital ratio | 12.6462% | 4,902 |
| Memoranda: | ||
| Average total assets | $159,200,000 | 3,387 |
| Average earning assets | $144,575,000 | 3,417 |
| Average equity | $13,755,750 | 3,916 |
| Average total loans | $132,378,250 | 2,904 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9301% | 3,449 |
| Cost of funding earning assets | 0.8539% | 399 |
| Net interest margin | 3.0762% | 4,737 |
| Noninterest income to average assets | 0.1860% | 5,119 |
| Noninterest expense to average assets | 2.9993% | 2,109 |
| Loan and lease loss provision to assets | 0.0377% | 3,259 |
| Net operating income to assets | -0.0666% | 5,575 |
| Return on assets (ROA) | -0.0666% | 5,580 |
| Pretax return on assets | -0.0628% | 5,572 |
| Return on Equity (ROE) | -0.7717% | 5,584 |
| Retained earnings to average equity (ytd only) | -0.7717% | 5,202 |
| Net charge-offs to loans | 0.0318% | 2,568 |
| Credit loss provision to net charge-offs | 142.8571% | 1,565 |
| Earnings coverage of net charge-offs (x) | -0.9524% | 3,431 |
| Efficiency ratio | 100.8450% | 176 |
| Assets per employee ($millions) | 4.4120% | 3,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4865% | 5,533 |
| Loan loss allowance to noncurrent loans | 94.1860% | 3,679 |
| Noncurrent assets plus other real estate owned to assets | 0.5547% | 2,913 |
| Noncurrent loans to loans | 0.5165% | 3,205 |
| Net loans and leases to total assets | 83.4504% | 492 |
| Net loans and leases to deposits | 99.2438% | 796 |
| Net loans and leases to core deposits | 101.4077% | 1,560 |
| Total domestic deposits to total assets | 84.0863% | 3,160 |
| Equity capital to assets | 8.6431% | 5,191 |
| Core capital (leverage) ratio | 8.2999% | 5,355 |
| Tier 1 risk-based capital ratio | 11.8446% | 4,733 |
| Total risk-based capital ratio | 12.4677% | 5,024 |
| Memoranda: | ||
| Average total assets | $159,169,000 | 3,405 |
| Average earning assets | $144,271,000 | 3,438 |
| Average equity | $13,735,330 | 3,927 |
| Average total loans | $132,256,000 | 2,906 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9302% | 3,280 |
| Cost of funding earning assets | 0.8248% | 429 |
| Net interest margin | 3.1054% | 4,636 |
| Noninterest income to average assets | 0.0075% | 5,802 |
| Noninterest expense to average assets | 3.0075% | 2,149 |
| Loan and lease loss provision to assets | 0.0377% | 3,045 |
| Net operating income to assets | -0.2284% | 5,685 |
| Return on assets (ROA) | -0.2284% | 5,686 |
| Pretax return on assets | -0.2209% | 5,671 |
| Return on Equity (ROE) | -2.6494% | 5,697 |
| Retained earnings to average equity (ytd only) | -2.6494% | 5,231 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.4889% | 157 |
| Assets per employee ($millions) | 4.4626% | 3,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4910% | 5,600 |
| Loan loss allowance to noncurrent loans | 92.8977% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 0.5583% | 3,000 |
| Noncurrent loans to loans | 0.5286% | 3,228 |
| Net loans and leases to total assets | 82.4997% | 513 |
| Net loans and leases to deposits | 98.6095% | 718 |
| Net loans and leases to core deposits | 100.7403% | 1,460 |
| Total domestic deposits to total assets | 83.6630% | 3,597 |
| Equity capital to assets | 8.5214% | 5,225 |
| Core capital (leverage) ratio | 8.3312% | 5,359 |
| Tier 1 risk-based capital ratio | 11.8059% | 4,845 |
| Total risk-based capital ratio | 12.4350% | 5,106 |
| Memoranda: | ||
| Average total assets | $159,337,500 | 3,442 |
| Average earning assets | $144,523,500 | 3,466 |
| Average equity | $13,739,000 | 3,954 |
| Average total loans | $131,787,000 | 2,934 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8602% | 3,712 |
| Cost of funding earning assets | 0.8051% | 490 |
| Net interest margin | 3.0551% | 4,837 |
| Noninterest income to average assets | 0.3945% | 3,935 |
| Noninterest expense to average assets | 3.0120% | 2,316 |
| Loan and lease loss provision to assets | 0.0685% | 2,996 |
| Net operating income to assets | 0.0553% | 5,607 |
| Return on assets (ROA) | 0.0553% | 5,633 |
| Pretax return on assets | 0.0791% | 5,612 |
| Return on Equity (ROE) | 0.6403% | 5,610 |
| Retained earnings to average equity (ytd only) | 0.6403% | 5,071 |
| Net charge-offs to loans | 0.0241% | 3,563 |
| Credit loss provision to net charge-offs | 351.6129% | 874 |
| Earnings coverage of net charge-offs (x) | 7.5806% | 3,002 |
| Efficiency ratio | 95.3280% | 336 |
| Assets per employee ($millions) | 4.2708% | 3,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4901% | 5,668 |
| Loan loss allowance to noncurrent loans | 92.6087% | 3,785 |
| Noncurrent assets plus other real estate owned to assets | 0.6873% | 2,649 |
| Noncurrent loans to loans | 0.5292% | 3,264 |
| Net loans and leases to total assets | 82.1043% | 590 |
| Net loans and leases to deposits | 96.2792% | 968 |
| Net loans and leases to core deposits | 98.1429% | 1,760 |
| Total domestic deposits to total assets | 85.2773% | 2,934 |
| Equity capital to assets | 8.7254% | 5,082 |
| Core capital (leverage) ratio | 8.4071% | 5,361 |
| Tier 1 risk-based capital ratio | 12.7877% | 4,210 |
| Total risk-based capital ratio | 13.4510% | 4,457 |
| Memoranda: | ||
| Average total assets | $159,196,000 | 3,406 |
| Average earning assets | $144,084,800 | 3,443 |
| Average equity | $13,743,200 | 3,978 |
| Average total loans | $128,507,000 | 2,944 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8669% | 3,710 |
| Cost of funding earning assets | 0.8011% | 504 |
| Net interest margin | 3.0658% | 4,863 |
| Noninterest income to average assets | 0.4280% | 3,709 |
| Noninterest expense to average assets | 3.0221% | 2,255 |
| Loan and lease loss provision to assets | 0.0786% | 2,647 |
| Net operating income to assets | 0.0694% | 5,657 |
| Return on assets (ROA) | 0.0694% | 5,699 |
| Pretax return on assets | 0.1012% | 5,678 |
| Return on Equity (ROE) | 0.8059% | 5,663 |
| Retained earnings to average equity (ytd only) | 0.8059% | 5,144 |
| Net charge-offs to loans | 0.0323% | 2,999 |
| Credit loss provision to net charge-offs | 303.2258% | 1,021 |
| Earnings coverage of net charge-offs (x) | 6.9359% | 2,942 |
| Efficiency ratio | 94.3864% | 370 |
| Assets per employee ($millions) | 4.0617% | 3,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4905% | 5,736 |
| Loan loss allowance to noncurrent loans | 127.2912% | 3,132 |
| Noncurrent assets plus other real estate owned to assets | 0.5600% | 3,229 |
| Noncurrent loans to loans | 0.3853% | 3,876 |
| Net loans and leases to total assets | 80.0494% | 890 |
| Net loans and leases to deposits | 90.5063% | 1,694 |
| Net loans and leases to core deposits | 95.6823% | 2,030 |
| Total domestic deposits to total assets | 88.4461% | 1,171 |
| Equity capital to assets | 8.6922% | 5,402 |
| Core capital (leverage) ratio | 8.3518% | 5,465 |
| Tier 1 risk-based capital ratio | 12.6329% | 4,380 |
| Total risk-based capital ratio | 13.2626% | 4,684 |
| Memoranda: | ||
| Average total assets | $159,489,750 | 3,418 |
| Average earning assets | $144,296,750 | 3,459 |
| Average equity | $13,732,000 | 4,016 |
| Average total loans | $128,038,500 | 2,957 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8808% | 3,654 |
| Cost of funding earning assets | 0.7845% | 532 |
| Net interest margin | 3.0964% | 4,842 |
| Noninterest income to average assets | 0.4492% | 3,530 |
| Noninterest expense to average assets | 3.0328% | 2,244 |
| Loan and lease loss provision to assets | 0.0863% | 2,418 |
| Net operating income to assets | 0.0926% | 5,672 |
| Return on assets (ROA) | 0.0926% | 5,719 |
| Pretax return on assets | 0.1351% | 5,685 |
| Return on Equity (ROE) | 1.0787% | 5,676 |
| Retained earnings to average equity (ytd only) | 1.0787% | 4,954 |
| Net charge-offs to loans | 0.0483% | 2,513 |
| Credit loss provision to net charge-offs | 222.5806% | 1,205 |
| Earnings coverage of net charge-offs (x) | 5.7097% | 2,828 |
| Efficiency ratio | 93.1949% | 441 |
| Assets per employee ($millions) | 4.2329% | 3,494 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4662% | 5,833 |
| Loan loss allowance to noncurrent loans | 113.2325% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.5751% | 3,301 |
| Noncurrent loans to loans | 0.4117% | 3,880 |
| Net loans and leases to total assets | 79.5041% | 987 |
| Net loans and leases to deposits | 91.0258% | 1,627 |
| Net loans and leases to core deposits | 95.3199% | 2,038 |
| Total domestic deposits to total assets | 87.3424% | 1,742 |
| Equity capital to assets | 8.5532% | 5,568 |
| Core capital (leverage) ratio | 8.2882% | 5,546 |
| Tier 1 risk-based capital ratio | 12.0106% | 4,821 |
| Total risk-based capital ratio | 12.5852% | 5,157 |
| Memoranda: | ||
| Average total assets | $159,851,000 | 3,436 |
| Average earning assets | $144,814,670 | 3,469 |
| Average equity | $13,719,670 | 4,035 |
| Average total loans | $128,242,000 | 2,966 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8428% | 3,792 |
| Cost of funding earning assets | 0.7691% | 580 |
| Net interest margin | 3.0737% | 4,941 |
| Noninterest income to average assets | 0.5472% | 2,824 |
| Noninterest expense to average assets | 3.0675% | 2,187 |
| Loan and lease loss provision to assets | 0.0979% | 2,061 |
| Net operating income to assets | 0.1004% | 5,680 |
| Return on assets (ROA) | 0.1004% | 5,725 |
| Pretax return on assets | 0.1707% | 5,668 |
| Return on Equity (ROE) | 1.1678% | 5,665 |
| Retained earnings to average equity (ytd only) | 1.1678% | 4,777 |
| Net charge-offs to loans | 0.0468% | 2,093 |
| Credit loss provision to net charge-offs | 260.0000% | 927 |
| Earnings coverage of net charge-offs (x) | 7.1333% | 2,170 |
| Efficiency ratio | 91.9488% | 553 |
| Assets per employee ($millions) | 4.1862% | 3,613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4639% | 5,901 |
| Loan loss allowance to noncurrent loans | 107.7206% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 0.4633% | 3,738 |
| Noncurrent loans to loans | 0.4307% | 3,898 |
| Net loans and leases to total assets | 79.0338% | 946 |
| Net loans and leases to deposits | 90.6007% | 1,503 |
| Net loans and leases to core deposits | 94.9233% | 1,895 |
| Total domestic deposits to total assets | 87.2331% | 2,083 |
| Equity capital to assets | 8.6236% | 5,475 |
| Core capital (leverage) ratio | 8.2575% | 5,603 |
| Tier 1 risk-based capital ratio | 12.3745% | 4,671 |
| Total risk-based capital ratio | 12.9530% | 5,014 |
| Memoranda: | ||
| Average total assets | $159,350,500 | 3,460 |
| Average earning assets | $144,581,500 | 3,492 |
| Average equity | $13,700,500 | 4,047 |
| Average total loans | $128,121,500 | 2,961 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8608% | 3,844 |
| Cost of funding earning assets | 0.7635% | 599 |
| Net interest margin | 3.0973% | 4,906 |
| Noninterest income to average assets | 0.3234% | 4,585 |
| Noninterest expense to average assets | 3.0784% | 2,302 |
| Loan and lease loss provision to assets | 0.0949% | 2,422 |
| Net operating income to assets | -0.0367% | 5,888 |
| Return on assets (ROA) | 0.0829% | 5,818 |
| Pretax return on assets | 0.0785% | 5,816 |
| Return on Equity (ROE) | 0.9636% | 5,778 |
| Retained earnings to average equity (ytd only) | 0.9636% | 5,134 |
| Net charge-offs to loans | 0.1373% | 1,981 |
| Credit loss provision to net charge-offs | 86.7052% | 2,820 |
| Earnings coverage of net charge-offs (x) | 0.4913% | 4,222 |
| Efficiency ratio | 98.2825% | 331 |
| Assets per employee ($millions) | 4.2007% | 3,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4318% | 5,975 |
| Loan loss allowance to noncurrent loans | 74.6011% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 0.5920% | 3,309 |
| Noncurrent loans to loans | 0.5788% | 3,432 |
| Net loans and leases to total assets | 81.0476% | 704 |
| Net loans and leases to deposits | 93.3596% | 1,269 |
| Net loans and leases to core deposits | 97.3081% | 1,732 |
| Total domestic deposits to total assets | 86.8123% | 2,230 |
| Equity capital to assets | 8.5719% | 5,501 |
| Core capital (leverage) ratio | 8.4927% | 5,443 |
| Tier 1 risk-based capital ratio | 12.4063% | 4,696 |
| Total risk-based capital ratio | 12.9575% | 5,047 |
| Memoranda: | ||
| Average total assets | $158,005,200 | 3,457 |
| Average earning assets | $143,285,600 | 3,493 |
| Average equity | $13,594,200 | 4,038 |
| Average total loans | $126,039,400 | 2,953 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8748% | 3,830 |
| Cost of funding earning assets | 0.7688% | 599 |
| Net interest margin | 3.1060% | 4,948 |
| Noninterest income to average assets | 0.2936% | 4,847 |
| Noninterest expense to average assets | 3.1099% | 2,199 |
| Loan and lease loss provision to assets | 0.0939% | 2,287 |
| Net operating income to assets | -0.0922% | 5,997 |
| Return on assets (ROA) | 0.0677% | 5,917 |
| Pretax return on assets | 0.0626% | 5,921 |
| Return on Equity (ROE) | 0.7859% | 5,887 |
| Retained earnings to average equity (ytd only) | 0.7859% | 5,380 |
| Net charge-offs to loans | 0.1141% | 1,984 |
| Credit loss provision to net charge-offs | 103.7383% | 2,196 |
| Earnings coverage of net charge-offs (x) | -0.0374% | 3,994 |
| Efficiency ratio | 100.1089% | 298 |
| Assets per employee ($millions) | 4.0122% | 3,855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4601% | 6,048 |
| Loan loss allowance to noncurrent loans | 63.2543% | 4,593 |
| Noncurrent assets plus other real estate owned to assets | 0.7164% | 3,117 |
| Noncurrent loans to loans | 0.7274% | 3,154 |
| Net loans and leases to total assets | 81.1608% | 682 |
| Net loans and leases to deposits | 90.4035% | 1,591 |
| Net loans and leases to core deposits | 94.3437% | 2,042 |
| Total domestic deposits to total assets | 89.7761% | 665 |
| Equity capital to assets | 8.7163% | 5,564 |
| Core capital (leverage) ratio | 8.4682% | 5,575 |
| Tier 1 risk-based capital ratio | 12.7511% | 4,576 |
| Total risk-based capital ratio | 13.3466% | 4,937 |
| Memoranda: | ||
| Average total assets | $157,600,000 | 3,500 |
| Average earning assets | $142,730,000 | 3,536 |
| Average equity | $13,572,000 | 4,085 |
| Average total loans | $125,065,750 | 2,991 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8848% | 3,748 |
| Cost of funding earning assets | 0.7711% | 584 |
| Net interest margin | 3.1137% | 4,938 |
| Noninterest income to average assets | 0.3368% | 4,546 |
| Noninterest expense to average assets | 3.1030% | 2,237 |
| Loan and lease loss provision to assets | 0.0760% | 2,600 |
| Net operating income to assets | -0.0114% | 6,003 |
| Return on assets (ROA) | -0.0114% | 6,035 |
| Pretax return on assets | -0.0253% | 6,035 |
| Return on Equity (ROE) | -0.1328% | 6,035 |
| Retained earnings to average equity (ytd only) | -0.1328% | 5,532 |
| Net charge-offs to loans | 0.0773% | 2,283 |
| Credit loss provision to net charge-offs | 125.0000% | 1,744 |
| Earnings coverage of net charge-offs (x) | 0.8333% | 3,613 |
| Efficiency ratio | 98.3942% | 368 |
| Assets per employee ($millions) | 3.9262% | 4,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4680% | 6,116 |
| Loan loss allowance to noncurrent loans | 47.6038% | 5,073 |
| Noncurrent assets plus other real estate owned to assets | 0.9583% | 2,610 |
| Noncurrent loans to loans | 0.9832% | 2,674 |
| Net loans and leases to total assets | 80.7054% | 709 |
| Net loans and leases to deposits | 89.8081% | 1,620 |
| Net loans and leases to core deposits | 93.5250% | 2,005 |
| Total domestic deposits to total assets | 89.8643% | 721 |
| Equity capital to assets | 8.6285% | 5,580 |
| Core capital (leverage) ratio | 8.3846% | 5,649 |
| Tier 1 risk-based capital ratio | 12.7072% | 4,678 |
| Total risk-based capital ratio | 13.3143% | 4,999 |
| Memoranda: | ||
| Average total assets | $157,974,330 | 3,519 |
| Average earning assets | $142,914,670 | 3,555 |
| Average equity | $13,549,670 | 4,115 |
| Average total loans | $124,226,000 | 3,012 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8797% | 3,701 |
| Cost of funding earning assets | 0.7776% | 570 |
| Net interest margin | 3.1021% | 4,942 |
| Noninterest income to average assets | 0.3661% | 4,282 |
| Noninterest expense to average assets | 3.1659% | 2,073 |
| Loan and lease loss provision to assets | 0.0757% | 2,436 |
| Net operating income to assets | -0.0505% | 6,054 |
| Return on assets (ROA) | -0.0505% | 6,091 |
| Pretax return on assets | -0.0757% | 6,103 |
| Return on Equity (ROE) | -0.5904% | 6,102 |
| Retained earnings to average equity (ytd only) | -0.5904% | 5,487 |
| Net charge-offs to loans | 0.0196% | 2,764 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 0.0000% | 3,111 |
| Efficiency ratio | 100.0000% | 364 |
| Assets per employee ($millions) | 3.9061% | 4,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4969% | 6,170 |
| Loan loss allowance to noncurrent loans | 80.6366% | 4,156 |
| Noncurrent assets plus other real estate owned to assets | 0.6445% | 3,572 |
| Noncurrent loans to loans | 0.6163% | 3,727 |
| Net loans and leases to total assets | 77.9180% | 941 |
| Net loans and leases to deposits | 86.7412% | 1,750 |
| Net loans and leases to core deposits | 90.5152% | 2,084 |
| Total domestic deposits to total assets | 89.8282% | 825 |
| Equity capital to assets | 8.6665% | 5,600 |
| Core capital (leverage) ratio | 8.3278% | 5,698 |
| Tier 1 risk-based capital ratio | 13.0746% | 4,560 |
| Total risk-based capital ratio | 13.6988% | 4,860 |
| Memoranda: | ||
| Average total assets | $158,437,000 | 3,529 |
| Average earning assets | $143,002,000 | 3,577 |
| Average equity | $13,549,000 | 4,142 |
| Average total loans | $122,667,500 | 3,048 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7962% | 4,506 |
| Cost of funding earning assets | 0.8133% | 607 |
| Net interest margin | 2.9829% | 5,481 |
| Noninterest income to average assets | 0.2733% | 5,167 |
| Noninterest expense to average assets | 3.0873% | 2,568 |
| Loan and lease loss provision to assets | 0.0735% | 3,012 |
| Net operating income to assets | -0.1056% | 6,161 |
| Return on assets (ROA) | -0.1005% | 6,163 |
| Pretax return on assets | -0.1765% | 6,176 |
| Return on Equity (ROE) | -1.2057% | 6,178 |
| Retained earnings to average equity (ytd only) | -1.2057% | 5,945 |
| Net charge-offs to loans | 0.0351% | 4,133 |
| Credit loss provision to net charge-offs | 285.7143% | 890 |
| Earnings coverage of net charge-offs (x) | -4.3095% | 4,881 |
| Efficiency ratio | 103.7258% | 296 |
| Assets per employee ($millions) | 4.0164% | 3,923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4749% | 6,275 |
| Loan loss allowance to noncurrent loans | 101.5652% | 3,678 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 4,082 |
| Noncurrent loans to loans | 0.4675% | 4,253 |
| Net loans and leases to total assets | 76.1886% | 1,233 |
| Net loans and leases to deposits | 84.5812% | 2,151 |
| Net loans and leases to core deposits | 88.4860% | 2,450 |
| Total domestic deposits to total assets | 90.0774% | 701 |
| Equity capital to assets | 8.4542% | 5,788 |
| Core capital (leverage) ratio | 8.2450% | 5,827 |
| Tier 1 risk-based capital ratio | 12.8441% | 4,827 |
| Total risk-based capital ratio | 13.4320% | 5,155 |
| Memoranda: | ||
| Average total assets | $163,217,200 | 3,437 |
| Average earning assets | $147,910,400 | 3,477 |
| Average equity | $13,602,200 | 4,087 |
| Average total loans | $119,802,200 | 3,048 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7816% | 4,612 |
| Cost of funding earning assets | 0.8143% | 636 |
| Net interest margin | 2.9673% | 5,564 |
| Noninterest income to average assets | 0.2449% | 5,452 |
| Noninterest expense to average assets | 3.1173% | 2,415 |
| Loan and lease loss provision to assets | 0.0732% | 2,875 |
| Net operating income to assets | -0.1530% | 6,249 |
| Return on assets (ROA) | -0.1530% | 6,258 |
| Pretax return on assets | -0.2563% | 6,274 |
| Return on Equity (ROE) | -1.8421% | 6,275 |
| Retained earnings to average equity (ytd only) | -1.8421% | 6,055 |
| Net charge-offs to loans | 0.0179% | 4,172 |
| Credit loss provision to net charge-offs | 562.5000% | 520 |
| Earnings coverage of net charge-offs (x) | -14.0642% | 4,644 |
| Efficiency ratio | 106.2396% | 268 |
| Assets per employee ($millions) | 4.0412% | 3,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4725% | 6,366 |
| Loan loss allowance to noncurrent loans | 96.6611% | 3,749 |
| Noncurrent assets plus other real estate owned to assets | 0.5271% | 4,295 |
| Noncurrent loans to loans | 0.4888% | 4,447 |
| Net loans and leases to total assets | 75.4496% | 1,299 |
| Net loans and leases to deposits | 83.6680% | 2,199 |
| Net loans and leases to core deposits | 87.6535% | 2,469 |
| Total domestic deposits to total assets | 90.1774% | 650 |
| Equity capital to assets | 8.3806% | 5,888 |
| Core capital (leverage) ratio | 8.1203% | 5,992 |
| Tier 1 risk-based capital ratio | 13.1212% | 4,786 |
| Total risk-based capital ratio | 13.7175% | 5,121 |
| Memoranda: | ||
| Average total assets | $163,858,000 | 3,459 |
| Average earning assets | $148,506,500 | 3,501 |
| Average equity | $13,607,250 | 4,108 |
| Average total loans | $119,006,750 | 3,076 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7572% | 4,664 |
| Cost of funding earning assets | 0.8118% | 664 |
| Net interest margin | 2.9454% | 5,643 |
| Noninterest income to average assets | 0.2199% | 5,632 |
| Noninterest expense to average assets | 3.1678% | 2,284 |
| Loan and lease loss provision to assets | 0.0729% | 2,811 |
| Net operating income to assets | -0.2090% | 6,325 |
| Return on assets (ROA) | -0.2090% | 6,336 |
| Pretax return on assets | -0.3536% | 6,381 |
| Return on Equity (ROE) | -2.5243% | 6,354 |
| Retained earnings to average equity (ytd only) | -2.5243% | 6,048 |
| Net charge-offs to loans | 0.0034% | 4,271 |
| Credit loss provision to net charge-offs | 3,000.0000% | 118 |
| Earnings coverage of net charge-offs (x) | -115.5000% | 4,363 |
| Efficiency ratio | 109.7222% | 232 |
| Assets per employee ($millions) | 4.0787% | 3,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4768% | 6,441 |
| Loan loss allowance to noncurrent loans | 102.7322% | 3,574 |
| Noncurrent assets plus other real estate owned to assets | 0.4916% | 4,537 |
| Noncurrent loans to loans | 0.4641% | 4,607 |
| Net loans and leases to total assets | 72.1562% | 1,716 |
| Net loans and leases to deposits | 79.9875% | 2,517 |
| Net loans and leases to core deposits | 83.7531% | 2,764 |
| Total domestic deposits to total assets | 90.2094% | 707 |
| Equity capital to assets | 8.3195% | 5,938 |
| Core capital (leverage) ratio | 8.0354% | 6,072 |
| Tier 1 risk-based capital ratio | 13.4614% | 4,610 |
| Total risk-based capital ratio | 14.0588% | 4,974 |
| Memoranda: | ||
| Average total assets | $164,595,000 | 3,469 |
| Average earning assets | $149,046,000 | 3,501 |
| Average equity | $13,627,330 | 4,113 |
| Average total loans | $117,828,670 | 3,105 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7083% | 4,819 |
| Cost of funding earning assets | 0.8122% | 704 |
| Net interest margin | 2.8961% | 5,761 |
| Noninterest income to average assets | 0.1887% | 5,834 |
| Noninterest expense to average assets | 3.2616% | 2,039 |
| Loan and lease loss provision to assets | 0.0726% | 2,689 |
| Net operating income to assets | -0.3024% | 6,397 |
| Return on assets (ROA) | -0.3024% | 6,399 |
| Pretax return on assets | -0.5226% | 6,464 |
| Return on Equity (ROE) | -3.6618% | 6,431 |
| Retained earnings to average equity (ytd only) | -3.6618% | 6,028 |
| Net charge-offs to loans | 0.0714% | 2,434 |
| Credit loss provision to net charge-offs | 142.8571% | 1,298 |
| Earnings coverage of net charge-offs (x) | -8.8571% | 3,597 |
| Efficiency ratio | 116.0069% | 209 |
| Assets per employee ($millions) | 4.1327% | 3,658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4409% | 6,540 |
| Loan loss allowance to noncurrent loans | 65.6888% | 4,644 |
| Noncurrent assets plus other real estate owned to assets | 0.7362% | 3,914 |
| Noncurrent loans to loans | 0.6712% | 4,183 |
| Net loans and leases to total assets | 70.3467% | 1,830 |
| Net loans and leases to deposits | 77.8961% | 2,570 |
| Net loans and leases to core deposits | 81.3595% | 2,812 |
| Total domestic deposits to total assets | 90.3083% | 911 |
| Equity capital to assets | 8.2295% | 5,885 |
| Core capital (leverage) ratio | 8.0136% | 6,108 |
| Tier 1 risk-based capital ratio | 13.5551% | 4,644 |
| Total risk-based capital ratio | 14.1057% | 5,032 |
| Memoranda: | ||
| Average total assets | $165,319,500 | 3,477 |
| Average earning assets | $149,719,500 | 3,513 |
| Average equity | $13,654,500 | 4,117 |
| Average total loans | $117,601,000 | 3,125 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7248% | 5,050 |
| Cost of funding earning assets | 0.8618% | 902 |
| Net interest margin | 2.8629% | 5,879 |
| Noninterest income to average assets | 0.2823% | 5,335 |
| Noninterest expense to average assets | 2.9014% | 3,366 |
| Loan and lease loss provision to assets | 0.0772% | 3,563 |
| Net operating income to assets | -0.0923% | 6,296 |
| Return on assets (ROA) | -0.0923% | 6,315 |
| Pretax return on assets | -0.1013% | 6,290 |
| Return on Equity (ROE) | -1.1084% | 6,333 |
| Retained earnings to average equity (ytd only) | -1.1084% | 6,077 |
| Net charge-offs to loans | 0.1095% | 3,735 |
| Credit loss provision to net charge-offs | 100.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | -0.3125% | 5,167 |
| Efficiency ratio | 100.8386% | 454 |
| Assets per employee ($millions) | 4.1333% | 3,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4274% | 6,622 |
| Loan loss allowance to noncurrent loans | 79.4349% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 0.5431% | 4,602 |
| Noncurrent loans to loans | 0.5380% | 4,646 |
| Net loans and leases to total assets | 71.3068% | 1,791 |
| Net loans and leases to deposits | 79.0305% | 2,583 |
| Net loans and leases to core deposits | 82.7000% | 2,811 |
| Total domestic deposits to total assets | 90.2269% | 953 |
| Equity capital to assets | 8.2894% | 5,783 |
| Core capital (leverage) ratio | 8.0937% | 6,062 |
| Tier 1 risk-based capital ratio | 13.5753% | 4,595 |
| Total risk-based capital ratio | 14.1110% | 5,024 |
| Memoranda: | ||
| Average total assets | $165,783,600 | 3,476 |
| Average earning assets | $150,264,600 | 3,497 |
| Average equity | $13,803,400 | 4,100 |
| Average total loans | $116,862,600 | 3,112 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7119% | 5,131 |
| Cost of funding earning assets | 0.8739% | 933 |
| Net interest margin | 2.8380% | 5,948 |
| Noninterest income to average assets | 0.2950% | 5,342 |
| Noninterest expense to average assets | 2.8612% | 3,440 |
| Loan and lease loss provision to assets | 0.0788% | 3,485 |
| Net operating income to assets | -0.0579% | 6,345 |
| Return on assets (ROA) | -0.0579% | 6,384 |
| Pretax return on assets | -0.0715% | 6,375 |
| Return on Equity (ROE) | -0.6942% | 6,402 |
| Retained earnings to average equity (ytd only) | -0.6942% | 6,082 |
| Net charge-offs to loans | 0.1396% | 3,142 |
| Credit loss provision to net charge-offs | 80.3279% | 2,843 |
| Earnings coverage of net charge-offs (x) | 0.0738% | 4,833 |
| Efficiency ratio | 99.7478% | 472 |
| Assets per employee ($millions) | 3.9812% | 3,876 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4051% | 6,720 |
| Loan loss allowance to noncurrent loans | 121.0526% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.2806% | 5,598 |
| Noncurrent loans to loans | 0.3346% | 5,387 |
| Net loans and leases to total assets | 72.7515% | 1,493 |
| Net loans and leases to deposits | 80.8349% | 2,287 |
| Net loans and leases to core deposits | 84.3416% | 2,614 |
| Total domestic deposits to total assets | 90.0001% | 997 |
| Equity capital to assets | 8.4475% | 5,791 |
| Core capital (leverage) ratio | 7.4687% | 6,459 |
| Tier 1 risk-based capital ratio | 12.5962% | 5,392 |
| Total risk-based capital ratio | 13.1170% | 5,810 |
| Memoranda: | ||
| Average total assets | $165,896,500 | 3,507 |
| Average earning assets | $150,433,000 | 3,526 |
| Average equity | $13,828,000 | 4,145 |
| Average total loans | $116,478,500 | 3,131 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6643% | 5,252 |
| Cost of funding earning assets | 0.8801% | 986 |
| Net interest margin | 2.7842% | 6,039 |
| Noninterest income to average assets | 0.3238% | 5,117 |
| Noninterest expense to average assets | 2.8456% | 3,527 |
| Loan and lease loss provision to assets | 0.0815% | 3,434 |
| Net operating income to assets | -0.0684% | 6,378 |
| Return on assets (ROA) | -0.0684% | 6,425 |
| Pretax return on assets | -0.0767% | 6,417 |
| Return on Equity (ROE) | -0.8236% | 6,437 |
| Retained earnings to average equity (ytd only) | -0.8236% | 6,013 |
| Net charge-offs to loans | 0.1835% | 2,659 |
| Credit loss provision to net charge-offs | 64.1509% | 2,944 |
| Earnings coverage of net charge-offs (x) | 0.0377% | 4,535 |
| Efficiency ratio | 99.8317% | 489 |
| Assets per employee ($millions) | 4.1636% | 3,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4096% | 6,764 |
| Loan loss allowance to noncurrent loans | 161.1684% | 2,386 |
| Noncurrent assets plus other real estate owned to assets | 0.2102% | 5,871 |
| Noncurrent loans to loans | 0.2542% | 5,672 |
| Net loans and leases to total assets | 68.4626% | 2,158 |
| Net loans and leases to deposits | 76.0051% | 2,876 |
| Net loans and leases to core deposits | 79.2250% | 3,124 |
| Total domestic deposits to total assets | 90.0764% | 985 |
| Equity capital to assets | 8.2916% | 5,977 |
| Core capital (leverage) ratio | 7.3386% | 6,514 |
| Tier 1 risk-based capital ratio | 13.2982% | 4,920 |
| Total risk-based capital ratio | 13.8293% | 5,385 |
| Memoranda: | ||
| Average total assets | $166,785,000 | 3,512 |
| Average earning assets | $151,352,670 | 3,529 |
| Average equity | $13,841,000 | 4,180 |
| Average total loans | $115,559,330 | 3,156 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6981% | 5,172 |
| Cost of funding earning assets | 0.8955% | 1,004 |
| Net interest margin | 2.8026% | 6,029 |
| Noninterest income to average assets | 0.3139% | 5,180 |
| Noninterest expense to average assets | 2.8783% | 3,430 |
| Loan and lease loss provision to assets | 0.0911% | 3,143 |
| Net operating income to assets | -0.1126% | 6,455 |
| Return on assets (ROA) | -0.1126% | 6,504 |
| Pretax return on assets | -0.1126% | 6,492 |
| Return on Equity (ROE) | -1.3567% | 6,524 |
| Retained earnings to average equity (ytd only) | -1.3567% | 6,001 |
| Net charge-offs to loans | 0.3652% | 1,544 |
| Credit loss provision to net charge-offs | 35.8491% | 2,802 |
| Earnings coverage of net charge-offs (x) | -0.0849% | 3,850 |
| Efficiency ratio | 100.7550% | 521 |
| Assets per employee ($millions) | 4.1766% | 3,582 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3789% | 6,863 |
| Loan loss allowance to noncurrent loans | 110.8586% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.2724% | 5,748 |
| Noncurrent loans to loans | 0.3418% | 5,545 |
| Net loans and leases to total assets | 69.0823% | 1,832 |
| Net loans and leases to deposits | 76.7146% | 2,521 |
| Net loans and leases to core deposits | 79.9489% | 2,813 |
| Total domestic deposits to total assets | 90.0511% | 1,016 |
| Equity capital to assets | 8.2819% | 6,200 |
| Core capital (leverage) ratio | 7.3198% | 6,537 |
| Tier 1 risk-based capital ratio | 13.3054% | 5,008 |
| Total risk-based capital ratio | 13.8037% | 5,493 |
| Memoranda: | ||
| Average total assets | $166,906,500 | 3,551 |
| Average earning assets | $151,428,500 | 3,565 |
| Average equity | $13,857,000 | 4,225 |
| Average total loans | $116,095,000 | 3,154 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8723% | 5,659 |
| Cost of funding earning assets | 1.0706% | 1,021 |
| Net interest margin | 2.8018% | 6,381 |
| Noninterest income to average assets | 0.3865% | 4,712 |
| Noninterest expense to average assets | 2.8230% | 3,935 |
| Loan and lease loss provision to assets | 0.0404% | 5,360 |
| Net operating income to assets | 0.0480% | 6,090 |
| Return on assets (ROA) | 0.0480% | 6,232 |
| Pretax return on assets | 0.0492% | 6,221 |
| Return on Equity (ROE) | 0.5925% | 6,202 |
| Retained earnings to average equity (ytd only) | 0.5925% | 5,558 |
| Net charge-offs to loans | 0.0804% | 4,864 |
| Credit loss provision to net charge-offs | 75.0000% | 4,004 |
| Earnings coverage of net charge-offs (x) | 1.6630% | 4,607 |
| Efficiency ratio | 96.9234% | 669 |
| Assets per employee ($millions) | 4.0671% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4349% | 6,874 |
| Loan loss allowance to noncurrent loans | 159.6215% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.2441% | 5,937 |
| Noncurrent loans to loans | 0.2725% | 5,801 |
| Net loans and leases to total assets | 69.4657% | 1,949 |
| Net loans and leases to deposits | 77.2268% | 2,626 |
| Net loans and leases to core deposits | 80.5018% | 2,939 |
| Total domestic deposits to total assets | 89.9502% | 974 |
| Equity capital to assets | 8.3226% | 6,181 |
| Core capital (leverage) ratio | 7.5460% | 6,478 |
| Tier 1 risk-based capital ratio | 13.5059% | 4,748 |
| Total risk-based capital ratio | 14.0490% | 5,194 |
| Memoranda: | ||
| Average total assets | $170,742,800 | 3,442 |
| Average earning assets | $153,938,000 | 3,484 |
| Average equity | $13,840,600 | 4,196 |
| Average total loans | $114,376,000 | 3,200 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9046% | 5,778 |
| Cost of funding earning assets | 1.1090% | 1,032 |
| Net interest margin | 2.7957% | 6,505 |
| Noninterest income to average assets | 0.3579% | 4,962 |
| Noninterest expense to average assets | 2.7809% | 4,054 |
| Loan and lease loss provision to assets | 0.0396% | 5,280 |
| Net operating income to assets | 0.0543% | 6,202 |
| Return on assets (ROA) | 0.0543% | 6,340 |
| Pretax return on assets | 0.0543% | 6,329 |
| Return on Equity (ROE) | 0.6748% | 6,308 |
| Retained earnings to average equity (ytd only) | 0.6748% | 5,882 |
| Net charge-offs to loans | 0.0866% | 4,525 |
| Credit loss provision to net charge-offs | 68.9189% | 3,937 |
| Earnings coverage of net charge-offs (x) | 1.6352% | 4,465 |
| Efficiency ratio | 96.7324% | 648 |
| Assets per employee ($millions) | 4.1342% | 3,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4438% | 6,985 |
| Loan loss allowance to noncurrent loans | 201.1952% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.2012% | 6,209 |
| Noncurrent loans to loans | 0.2206% | 6,059 |
| Net loans and leases to total assets | 66.8381% | 2,492 |
| Net loans and leases to deposits | 74.2207% | 3,250 |
| Net loans and leases to core deposits | 77.3050% | 3,571 |
| Total domestic deposits to total assets | 90.0532% | 823 |
| Equity capital to assets | 8.1793% | 6,498 |
| Core capital (leverage) ratio | 7.4082% | 6,662 |
| Tier 1 risk-based capital ratio | 13.7588% | 4,717 |
| Total risk-based capital ratio | 14.3122% | 5,152 |
| Memoranda: | ||
| Average total assets | $171,741,000 | 3,455 |
| Average earning assets | $154,616,500 | 3,511 |
| Average equity | $13,831,250 | 4,231 |
| Average total loans | $113,885,000 | 3,242 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8983% | 5,923 |
| Cost of funding earning assets | 1.1498% | 1,026 |
| Net interest margin | 2.7485% | 6,651 |
| Noninterest income to average assets | 0.4464% | 4,320 |
| Noninterest expense to average assets | 2.8292% | 3,908 |
| Loan and lease loss provision to assets | 0.0383% | 5,199 |
| Net operating income to assets | 0.0557% | 6,248 |
| Return on assets (ROA) | 0.0557% | 6,385 |
| Pretax return on assets | 0.0568% | 6,380 |
| Return on Equity (ROE) | 0.6946% | 6,353 |
| Retained earnings to average equity (ytd only) | 0.6946% | 5,779 |
| Net charge-offs to loans | 0.1369% | 3,829 |
| Credit loss provision to net charge-offs | 42.3077% | 4,206 |
| Earnings coverage of net charge-offs (x) | 1.0513% | 4,495 |
| Efficiency ratio | 96.7486% | 678 |
| Assets per employee ($millions) | 4.1908% | 3,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4231% | 7,068 |
| Loan loss allowance to noncurrent loans | 145.3453% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.1938% | 6,301 |
| Noncurrent loans to loans | 0.2911% | 5,985 |
| Net loans and leases to total assets | 66.2944% | 2,611 |
| Net loans and leases to deposits | 73.5362% | 3,371 |
| Net loans and leases to core deposits | 76.5394% | 3,712 |
| Total domestic deposits to total assets | 90.1521% | 841 |
| Equity capital to assets | 8.0554% | 6,537 |
| Core capital (leverage) ratio | 7.2813% | 6,729 |
| Tier 1 risk-based capital ratio | 13.5513% | 4,783 |
| Total risk-based capital ratio | 14.0756% | 5,290 |
| Memoranda: | ||
| Average total assets | $172,487,330 | 3,464 |
| Average earning assets | $155,504,330 | 3,503 |
| Average equity | $13,820,330 | 4,229 |
| Average total loans | $113,914,330 | 3,253 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0305% | 5,670 |
| Cost of funding earning assets | 1.2235% | 880 |
| Net interest margin | 2.8069% | 6,631 |
| Noninterest income to average assets | 0.3657% | 4,944 |
| Noninterest expense to average assets | 2.7867% | 4,089 |
| Loan and lease loss provision to assets | 0.0347% | 4,948 |
| Net operating income to assets | 0.0718% | 6,292 |
| Return on assets (ROA) | 0.0718% | 6,412 |
| Pretax return on assets | 0.0718% | 6,423 |
| Return on Equity (ROE) | 0.8979% | 6,367 |
| Retained earnings to average equity (ytd only) | 0.8979% | 5,704 |
| Net charge-offs to loans | 0.2498% | 2,673 |
| Credit loss provision to net charge-offs | 21.1268% | 3,758 |
| Earnings coverage of net charge-offs (x) | 0.6479% | 4,010 |
| Efficiency ratio | 96.3200% | 703 |
| Assets per employee ($millions) | 4.2445% | 3,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4199% | 7,122 |
| Loan loss allowance to noncurrent loans | 165.9649% | 1,965 |
| Noncurrent assets plus other real estate owned to assets | 0.9412% | 4,623 |
| Noncurrent loans to loans | 0.2530% | 6,181 |
| Net loans and leases to total assets | 64.4605% | 2,770 |
| Net loans and leases to deposits | 71.4077% | 3,525 |
| Net loans and leases to core deposits | 74.2753% | 3,870 |
| Total domestic deposits to total assets | 90.2710% | 932 |
| Equity capital to assets | 7.9454% | 6,556 |
| Core capital (leverage) ratio | 7.1696% | 6,774 |
| Tier 1 risk-based capital ratio | 13.9642% | 4,493 |
| Total risk-based capital ratio | 14.4936% | 5,015 |
| Memoranda: | ||
| Average total assets | $172,819,500 | 3,481 |
| Average earning assets | $155,614,000 | 3,521 |
| Average equity | $13,810,000 | 4,235 |
| Average total loans | $113,675,000 | 3,285 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1984% | 6,058 |
| Cost of funding earning assets | 1.4573% | 847 |
| Net interest margin | 2.7411% | 6,894 |
| Noninterest income to average assets | 0.3464% | 5,034 |
| Noninterest expense to average assets | 2.8574% | 4,138 |
| Loan and lease loss provision to assets | 0.0326% | 6,156 |
| Net operating income to assets | -0.0073% | 6,052 |
| Return on assets (ROA) | -0.0073% | 6,171 |
| Pretax return on assets | -0.0388% | 6,164 |
| Return on Equity (ROE) | -0.0945% | 6,175 |
| Retained earnings to average equity (ytd only) | -0.0945% | 5,863 |
| Net charge-offs to loans | 0.0657% | 5,651 |
| Credit loss provision to net charge-offs | 73.4177% | 4,721 |
| Earnings coverage of net charge-offs (x) | -0.1392% | 5,918 |
| Efficiency ratio | 100.2170% | 663 |
| Assets per employee ($millions) | 4.2903% | 3,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4351% | 7,146 |
| Loan loss allowance to noncurrent loans | 114.1876% | 2,713 |
| Noncurrent assets plus other real estate owned to assets | 0.2546% | 6,335 |
| Noncurrent loans to loans | 0.3810% | 5,952 |
| Net loans and leases to total assets | 66.5451% | 2,678 |
| Net loans and leases to deposits | 73.8590% | 3,524 |
| Net loans and leases to core deposits | 76.7385% | 3,875 |
| Total domestic deposits to total assets | 90.0975% | 941 |
| Equity capital to assets | 8.0373% | 6,545 |
| Core capital (leverage) ratio | 7.2987% | 6,748 |
| Tier 1 risk-based capital ratio | 13.4846% | 4,703 |
| Total risk-based capital ratio | 14.0385% | 5,230 |
| Memoranda: | ||
| Average total assets | $177,820,200 | 3,367 |
| Average earning assets | $162,489,800 | 3,358 |
| Average equity | $13,762,400 | 4,174 |
| Average total loans | $120,331,400 | 3,165 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2614% | 6,059 |
| Cost of funding earning assets | 1.4929% | 891 |
| Net interest margin | 2.7685% | 6,925 |
| Noninterest income to average assets | 0.3085% | 5,390 |
| Noninterest expense to average assets | 2.8997% | 3,931 |
| Loan and lease loss provision to assets | 0.0320% | 6,042 |
| Net operating income to assets | -0.0327% | 6,196 |
| Return on assets (ROA) | -0.0327% | 6,299 |
| Pretax return on assets | -0.0840% | 6,321 |
| Return on Equity (ROE) | -0.4265% | 6,311 |
| Retained earnings to average equity (ytd only) | -0.4265% | 6,054 |
| Net charge-offs to loans | 0.0504% | 5,477 |
| Credit loss provision to net charge-offs | 93.4783% | 3,643 |
| Earnings coverage of net charge-offs (x) | -1.5218% | 5,986 |
| Efficiency ratio | 101.8272% | 609 |
| Assets per employee ($millions) | 4.3206% | 3,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4398% | 7,202 |
| Loan loss allowance to noncurrent loans | 245.0237% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.1221% | 6,742 |
| Noncurrent loans to loans | 0.1795% | 6,514 |
| Net loans and leases to total assets | 67.7234% | 2,530 |
| Net loans and leases to deposits | 75.1284% | 3,487 |
| Net loans and leases to core deposits | 77.8700% | 3,925 |
| Total domestic deposits to total assets | 90.1436% | 793 |
| Equity capital to assets | 7.9631% | 6,715 |
| Core capital (leverage) ratio | 7.2243% | 6,893 |
| Tier 1 risk-based capital ratio | 13.6242% | 4,636 |
| Total risk-based capital ratio | 14.1928% | 5,113 |
| Memoranda: | ||
| Average total assets | $179,372,000 | 3,357 |
| Average earning assets | $164,513,000 | 3,346 |
| Average equity | $13,754,750 | 4,173 |
| Average total loans | $121,739,500 | 3,166 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2578% | 6,140 |
| Cost of funding earning assets | 1.5302% | 895 |
| Net interest margin | 2.7276% | 6,999 |
| Noninterest income to average assets | 0.3162% | 5,365 |
| Noninterest expense to average assets | 2.9644% | 3,779 |
| Loan and lease loss provision to assets | 0.0308% | 5,924 |
| Net operating income to assets | -0.0804% | 6,325 |
| Return on assets (ROA) | -0.0804% | 6,381 |
| Pretax return on assets | -0.1696% | 6,427 |
| Return on Equity (ROE) | -1.0616% | 6,410 |
| Retained earnings to average equity (ytd only) | -1.0616% | 6,063 |
| Net charge-offs to loans | 0.0455% | 5,216 |
| Credit loss provision to net charge-offs | 100.0000% | 3,113 |
| Earnings coverage of net charge-offs (x) | -4.5000% | 5,789 |
| Efficiency ratio | 104.9123% | 588 |
| Assets per employee ($millions) | 4.4745% | 2,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4387% | 7,266 |
| Loan loss allowance to noncurrent loans | 234.2342% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.1240% | 6,787 |
| Noncurrent loans to loans | 0.1873% | 6,528 |
| Net loans and leases to total assets | 65.9308% | 3,043 |
| Net loans and leases to deposits | 72.9188% | 3,966 |
| Net loans and leases to core deposits | 75.4678% | 4,379 |
| Total domestic deposits to total assets | 90.4168% | 751 |
| Equity capital to assets | 7.6746% | 6,867 |
| Core capital (leverage) ratio | 6.9582% | 7,011 |
| Tier 1 risk-based capital ratio | 13.5088% | 4,519 |
| Total risk-based capital ratio | 14.0772% | 5,044 |
| Memoranda: | ||
| Average total assets | $181,555,330 | 3,343 |
| Average earning assets | $167,033,670 | 3,319 |
| Average equity | $13,752,330 | 4,167 |
| Average total loans | $123,133,330 | 3,166 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2507% | 6,144 |
| Cost of funding earning assets | 1.5718% | 910 |
| Net interest margin | 2.6789% | 7,037 |
| Noninterest income to average assets | 0.3807% | 4,869 |
| Noninterest expense to average assets | 3.2224% | 2,807 |
| Loan and lease loss provision to assets | 0.0284% | 5,608 |
| Net operating income to assets | -0.2144% | 6,577 |
| Return on assets (ROA) | -0.2144% | 6,590 |
| Pretax return on assets | -0.3982% | 6,685 |
| Return on Equity (ROE) | -2.8487% | 6,650 |
| Retained earnings to average equity (ytd only) | -2.8487% | 6,269 |
| Net charge-offs to loans | 0.0446% | 4,496 |
| Credit loss provision to net charge-offs | 92.8571% | 2,886 |
| Earnings coverage of net charge-offs (x) | -12.0714% | 5,065 |
| Efficiency ratio | 112.9601% | 444 |
| Assets per employee ($millions) | 4.5169% | 2,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4258% | 7,333 |
| Loan loss allowance to noncurrent loans | 365.4930% | 851 |
| Noncurrent assets plus other real estate owned to assets | 0.0786% | 6,967 |
| Noncurrent loans to loans | 0.1165% | 6,756 |
| Net loans and leases to total assets | 67.1755% | 2,717 |
| Net loans and leases to deposits | 74.2974% | 3,715 |
| Net loans and leases to core deposits | 77.1117% | 4,145 |
| Total domestic deposits to total assets | 90.4143% | 888 |
| Equity capital to assets | 7.5887% | 6,819 |
| Core capital (leverage) ratio | 6.8670% | 7,060 |
| Tier 1 risk-based capital ratio | 13.1571% | 4,705 |
| Total risk-based capital ratio | 13.7118% | 5,275 |
| Memoranda: | ||
| Average total assets | $182,843,000 | 3,358 |
| Average earning assets | $168,725,500 | 3,319 |
| Average equity | $13,760,500 | 4,161 |
| Average total loans | $125,438,500 | 3,142 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6926% | 5,827 |
| Cost of funding earning assets | 1.9163% | 795 |
| Net interest margin | 2.7763% | 7,055 |
| Noninterest income to average assets | 0.2653% | 5,891 |
| Noninterest expense to average assets | 2.6446% | 5,242 |
| Loan and lease loss provision to assets | 0.0859% | 6,290 |
| Net operating income to assets | 0.0768% | 5,646 |
| Return on assets (ROA) | 0.0768% | 5,781 |
| Pretax return on assets | 0.0918% | 5,716 |
| Return on Equity (ROE) | 1.0411% | 5,677 |
| Retained earnings to average equity (ytd only) | 1.0411% | 5,019 |
| Net charge-offs to loans | 0.0363% | 6,439 |
| Credit loss provision to net charge-offs | 320.0000% | 811 |
| Earnings coverage of net charge-offs (x) | 6.6200% | 2,320 |
| Efficiency ratio | 93.7024% | 1,076 |
| Assets per employee ($millions) | 4.6253% | 2,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4031% | 7,422 |
| Loan loss allowance to noncurrent loans | 342.1053% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.0822% | 7,035 |
| Noncurrent loans to loans | 0.1178% | 6,847 |
| Net loans and leases to total assets | 69.4384% | 2,677 |
| Net loans and leases to deposits | 76.9385% | 3,693 |
| Net loans and leases to core deposits | 79.9224% | 4,232 |
| Total domestic deposits to total assets | 90.2519% | 950 |
| Equity capital to assets | 7.4645% | 6,899 |
| Core capital (leverage) ratio | 6.7472% | 7,130 |
| Tier 1 risk-based capital ratio | 12.8499% | 4,730 |
| Total risk-based capital ratio | 13.3893% | 5,327 |
| Memoranda: | ||
| Average total assets | $186,227,200 | 3,280 |
| Average earning assets | $171,526,200 | 3,256 |
| Average equity | $13,736,000 | 4,204 |
| Average total loans | $137,781,000 | 2,993 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7987% | 5,661 |
| Cost of funding earning assets | 1.9756% | 810 |
| Net interest margin | 2.8232% | 7,102 |
| Noninterest income to average assets | 0.2452% | 6,138 |
| Noninterest expense to average assets | 2.6626% | 5,042 |
| Loan and lease loss provision to assets | 0.0929% | 6,100 |
| Net operating income to assets | 0.0715% | 5,835 |
| Return on assets (ROA) | 0.0715% | 5,978 |
| Pretax return on assets | 0.0872% | 5,934 |
| Return on Equity (ROE) | 0.9720% | 5,897 |
| Retained earnings to average equity (ytd only) | 0.9720% | 5,417 |
| Net charge-offs to loans | 0.0324% | 6,235 |
| Credit loss provision to net charge-offs | 382.3529% | 811 |
| Earnings coverage of net charge-offs (x) | 7.4121% | 2,337 |
| Efficiency ratio | 93.6636% | 1,020 |
| Assets per employee ($millions) | 4.6642% | 2,660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3757% | 7,550 |
| Loan loss allowance to noncurrent loans | 332.8947% | 891 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 7,140 |
| Noncurrent loans to loans | 0.1129% | 6,959 |
| Net loans and leases to total assets | 71.9192% | 2,265 |
| Net loans and leases to deposits | 79.6735% | 3,505 |
| Net loans and leases to core deposits | 82.7361% | 4,122 |
| Total domestic deposits to total assets | 90.2674% | 742 |
| Equity capital to assets | 7.3780% | 7,195 |
| Core capital (leverage) ratio | 6.6912% | 7,288 |
| Tier 1 risk-based capital ratio | 12.3382% | 5,132 |
| Total risk-based capital ratio | 12.8420% | 5,829 |
| Memoranda: | ||
| Average total assets | $186,531,500 | 3,323 |
| Average earning assets | $171,623,750 | 3,293 |
| Average equity | $13,717,500 | 4,268 |
| Average total loans | $139,979,250 | 2,982 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9134% | 5,334 |
| Cost of funding earning assets | 2.0474% | 780 |
| Net interest margin | 2.8659% | 7,061 |
| Noninterest income to average assets | 0.2413% | 6,177 |
| Noninterest expense to average assets | 2.7311% | 4,781 |
| Loan and lease loss provision to assets | 0.0965% | 5,948 |
| Net operating income to assets | 0.0515% | 5,987 |
| Return on assets (ROA) | 0.0515% | 6,089 |
| Pretax return on assets | 0.0493% | 6,072 |
| Return on Equity (ROE) | 0.7006% | 6,030 |
| Retained earnings to average equity (ytd only) | 0.7006% | 5,482 |
| Net charge-offs to loans | 0.0480% | 5,717 |
| Credit loss provision to net charge-offs | 264.7059% | 1,431 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,092 |
| Efficiency ratio | 94.9310% | 1,015 |
| Assets per employee ($millions) | 4.6672% | 2,623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3355% | 7,643 |
| Loan loss allowance to noncurrent loans | 306.5789% | 950 |
| Noncurrent assets plus other real estate owned to assets | 0.0814% | 7,190 |
| Noncurrent loans to loans | 0.1094% | 7,047 |
| Net loans and leases to total assets | 74.1613% | 1,874 |
| Net loans and leases to deposits | 82.1853% | 3,240 |
| Net loans and leases to core deposits | 85.3635% | 3,924 |
| Total domestic deposits to total assets | 90.2367% | 804 |
| Equity capital to assets | 7.3459% | 7,197 |
| Core capital (leverage) ratio | 6.6564% | 7,331 |
| Tier 1 risk-based capital ratio | 11.9376% | 5,365 |
| Total risk-based capital ratio | 12.3886% | 6,093 |
| Memoranda: | ||
| Average total assets | $186,519,000 | 3,355 |
| Average earning assets | $171,531,670 | 3,317 |
| Average equity | $13,701,670 | 4,267 |
| Average total loans | $141,744,000 | 2,982 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9834% | 5,094 |
| Cost of funding earning assets | 2.1152% | 770 |
| Net interest margin | 2.8682% | 7,077 |
| Noninterest income to average assets | 0.2489% | 6,161 |
| Noninterest expense to average assets | 2.6090% | 5,321 |
| Loan and lease loss provision to assets | 0.0965% | 5,668 |
| Net operating income to assets | 0.1051% | 6,014 |
| Return on assets (ROA) | 0.1051% | 6,116 |
| Pretax return on assets | 0.1910% | 5,895 |
| Return on Equity (ROE) | 1.4311% | 5,984 |
| Retained earnings to average equity (ytd only) | 1.4311% | 5,227 |
| Net charge-offs to loans | 0.0950% | 4,462 |
| Credit loss provision to net charge-offs | 132.3529% | 2,666 |
| Earnings coverage of net charge-offs (x) | 3.9412% | 2,741 |
| Efficiency ratio | 90.0741% | 1,431 |
| Assets per employee ($millions) | 4.6449% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2992% | 7,757 |
| Loan loss allowance to noncurrent loans | 276.9737% | 1,063 |
| Noncurrent assets plus other real estate owned to assets | 0.0818% | 7,285 |
| Noncurrent loans to loans | 0.1080% | 7,129 |
| Net loans and leases to total assets | 75.5057% | 1,645 |
| Net loans and leases to deposits | 83.8203% | 2,968 |
| Net loans and leases to core deposits | 87.2625% | 3,712 |
| Total domestic deposits to total assets | 90.0804% | 946 |
| Equity capital to assets | 7.3845% | 7,153 |
| Core capital (leverage) ratio | 6.6901% | 7,394 |
| Tier 1 risk-based capital ratio | 11.7662% | 5,439 |
| Total risk-based capital ratio | 12.1677% | 6,216 |
| Memoranda: | ||
| Average total assets | $186,434,000 | 3,414 |
| Average earning assets | $172,091,000 | 3,369 |
| Average equity | $13,695,500 | 4,314 |
| Average total loans | $143,157,500 | 3,022 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2309% | 5,507 |
| Cost of funding earning assets | 2.4706% | 1,090 |
| Net interest margin | 2.7603% | 7,125 |
| Noninterest income to average assets | 0.2009% | 6,666 |
| Noninterest expense to average assets | 2.6839% | 5,463 |
| Loan and lease loss provision to assets | 0.0726% | 6,858 |
| Net operating income to assets | 0.0262% | 5,410 |
| Return on assets (ROA) | 0.0262% | 5,458 |
| Pretax return on assets | 0.0235% | 5,382 |
| Return on Equity (ROE) | 0.3522% | 5,428 |
| Retained earnings to average equity (ytd only) | 0.3522% | 4,710 |
| Net charge-offs to loans | 0.0485% | 6,613 |
| Credit loss provision to net charge-offs | 192.7536% | 2,063 |
| Earnings coverage of net charge-offs (x) | 2.5507% | 3,843 |
| Efficiency ratio | 96.5443% | 1,292 |
| Assets per employee ($millions) | 4.5628% | 2,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2816% | 7,834 |
| Loan loss allowance to noncurrent loans | 192.4883% | 1,543 |
| Noncurrent assets plus other real estate owned to assets | 0.1139% | 7,201 |
| Noncurrent loans to loans | 0.1463% | 7,064 |
| Net loans and leases to total assets | 77.6158% | 1,461 |
| Net loans and leases to deposits | 86.8982% | 2,755 |
| Net loans and leases to core deposits | 104.4522% | 3,519 |
| Total domestic deposits to total assets | 89.3181% | 1,322 |
| Equity capital to assets | 7.3078% | 7,195 |
| Core capital (leverage) ratio | 6.6125% | 7,442 |
| Tier 1 risk-based capital ratio | 11.2867% | 5,624 |
| Total risk-based capital ratio | 11.6636% | 6,457 |
| Memoranda: | ||
| Average total assets | $183,205,400 | 3,383 |
| Average earning assets | $171,175,000 | 3,330 |
| Average equity | $13,627,400 | 4,354 |
| Average total loans | $142,352,600 | 3,044 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2452% | 5,706 |
| Cost of funding earning assets | 2.5293% | 1,208 |
| Net interest margin | 2.7159% | 7,190 |
| Noninterest income to average assets | 0.1953% | 6,820 |
| Noninterest expense to average assets | 2.7099% | 5,277 |
| Loan and lease loss provision to assets | 0.0512% | 6,863 |
| Net operating income to assets | -0.0029% | 5,715 |
| Return on assets (ROA) | -0.0029% | 5,775 |
| Pretax return on assets | -0.0205% | 5,738 |
| Return on Equity (ROE) | -0.0391% | 5,782 |
| Retained earnings to average equity (ytd only) | -0.0391% | 5,216 |
| Net charge-offs to loans | 0.0499% | 6,220 |
| Credit loss provision to net charge-offs | 132.0755% | 3,789 |
| Earnings coverage of net charge-offs (x) | 0.7925% | 5,260 |
| Efficiency ratio | 98.8788% | 1,118 |
| Assets per employee ($millions) | 4.5319% | 2,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2488% | 7,939 |
| Loan loss allowance to noncurrent loans | 216.0714% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 7,324 |
| Noncurrent loans to loans | 0.1151% | 7,189 |
| Net loans and leases to total assets | 78.3339% | 1,512 |
| Net loans and leases to deposits | 88.1463% | 2,929 |
| Net loans and leases to core deposits | 105.8046% | 3,722 |
| Total domestic deposits to total assets | 88.8680% | 1,260 |
| Equity capital to assets | 7.3318% | 7,410 |
| Core capital (leverage) ratio | 6.6285% | 7,617 |
| Tier 1 risk-based capital ratio | 11.4385% | 5,491 |
| Total risk-based capital ratio | 11.7782% | 6,397 |
| Memoranda: | ||
| Average total assets | $182,238,250 | 3,429 |
| Average earning assets | $170,792,750 | 3,364 |
| Average equity | $13,616,500 | 4,389 |
| Average total loans | $141,538,500 | 3,086 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2901% | 5,698 |
| Cost of funding earning assets | 2.5755% | 1,355 |
| Net interest margin | 2.7146% | 7,173 |
| Noninterest income to average assets | 0.1911% | 6,930 |
| Noninterest expense to average assets | 2.7308% | 5,253 |
| Loan and lease loss provision to assets | 0.0486% | 6,746 |
| Net operating income to assets | -0.0287% | 5,894 |
| Return on assets (ROA) | -0.0287% | 5,959 |
| Pretax return on assets | -0.0453% | 5,928 |
| Return on Equity (ROE) | -0.3820% | 5,978 |
| Retained earnings to average equity (ytd only) | -0.3820% | 5,318 |
| Net charge-offs to loans | 0.0771% | 5,432 |
| Credit loss provision to net charge-offs | 81.4815% | 5,152 |
| Earnings coverage of net charge-offs (x) | 0.0556% | 5,618 |
| Efficiency ratio | 99.8788% | 1,180 |
| Assets per employee ($millions) | 4.4495% | 2,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2426% | 8,033 |
| Loan loss allowance to noncurrent loans | 672.0000% | 506 |
| Noncurrent assets plus other real estate owned to assets | 0.0274% | 7,549 |
| Noncurrent loans to loans | 0.0361% | 7,450 |
| Net loans and leases to total assets | 75.7254% | 2,253 |
| Net loans and leases to deposits | 85.9908% | 3,553 |
| Net loans and leases to core deposits | 103.6238% | 4,102 |
| Total domestic deposits to total assets | 88.0622% | 1,734 |
| Equity capital to assets | 7.4495% | 7,309 |
| Core capital (leverage) ratio | 6.7336% | 7,688 |
| Tier 1 risk-based capital ratio | 12.1943% | 4,760 |
| Total risk-based capital ratio | 12.5304% | 5,519 |
| Memoranda: | ||
| Average total assets | $181,049,000 | 3,464 |
| Average earning assets | $169,599,670 | 3,399 |
| Average equity | $13,614,330 | 4,393 |
| Average total loans | $140,080,670 | 3,142 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3732% | 5,559 |
| Cost of funding earning assets | 2.6297% | 1,483 |
| Net interest margin | 2.7435% | 7,108 |
| Noninterest income to average assets | 0.1796% | 7,014 |
| Noninterest expense to average assets | 2.6525% | 5,213 |
| Loan and lease loss provision to assets | 0.0355% | 6,500 |
| Net operating income to assets | 0.0444% | 6,146 |
| Return on assets (ROA) | 0.0444% | 6,293 |
| Pretax return on assets | 0.0577% | 6,263 |
| Return on Equity (ROE) | 0.5871% | 6,253 |
| Retained earnings to average equity (ytd only) | 0.5871% | 5,421 |
| Net charge-offs to loans | 0.0994% | 4,185 |
| Credit loss provision to net charge-offs | 45.7143% | 4,743 |
| Earnings coverage of net charge-offs (x) | 1.2000% | 4,149 |
| Efficiency ratio | 96.6074% | 1,287 |
| Assets per employee ($millions) | 4.3983% | 2,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2329% | 8,085 |
| Loan loss allowance to noncurrent loans | 817.5000% | 467 |
| Noncurrent assets plus other real estate owned to assets | 0.0222% | 7,559 |
| Noncurrent loans to loans | 0.0285% | 7,473 |
| Net loans and leases to total assets | 77.6733% | 1,899 |
| Net loans and leases to deposits | 88.4872% | 3,202 |
| Net loans and leases to core deposits | 106.4710% | 3,856 |
| Total domestic deposits to total assets | 87.7791% | 1,857 |
| Equity capital to assets | 7.5605% | 7,299 |
| Core capital (leverage) ratio | 6.8338% | 7,744 |
| Tier 1 risk-based capital ratio | 12.1101% | 4,863 |
| Total risk-based capital ratio | 12.4340% | 5,632 |
| Memoranda: | ||
| Average total assets | $180,359,000 | 3,503 |
| Average earning assets | $168,690,500 | 3,441 |
| Average equity | $13,626,500 | 4,415 |
| Average total loans | $140,880,500 | 3,154 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6420% | 6,950 |
| Cost of funding earning assets | 2.8796% | 2,355 |
| Net interest margin | 2.7623% | 7,392 |
| Noninterest income to average assets | 0.2236% | 6,843 |
| Noninterest expense to average assets | 2.6966% | 5,281 |
| Loan and lease loss provision to assets | 0.0513% | 6,776 |
| Net operating income to assets | 0.0248% | 6,297 |
| Return on assets (ROA) | 0.0248% | 6,152 |
| Pretax return on assets | 0.0631% | 6,022 |
| Return on Equity (ROE) | 0.3214% | 6,126 |
| Retained earnings to average equity (ytd only) | 0.3214% | 5,046 |
| Net charge-offs to loans | 0.0284% | 6,426 |
| Credit loss provision to net charge-offs | 227.5000% | 2,083 |
| Earnings coverage of net charge-offs (x) | 5.0750% | 3,760 |
| Efficiency ratio | 95.9319% | 1,161 |
| Assets per employee ($millions) | 4.3997% | 2,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2448% | 8,128 |
| Loan loss allowance to noncurrent loans | 607.0175% | 746 |
| Noncurrent assets plus other real estate owned to assets | 0.0316% | 7,466 |
| Noncurrent loans to loans | 0.0403% | 7,342 |
| Net loans and leases to total assets | 78.1758% | 2,092 |
| Net loans and leases to deposits | 89.2124% | 3,599 |
| Net loans and leases to core deposits | 104.4423% | 4,353 |
| Total domestic deposits to total assets | 87.6288% | 1,655 |
| Equity capital to assets | 7.5499% | 7,340 |
| Core capital (leverage) ratio | 6.8106% | 7,810 |
| Tier 1 risk-based capital ratio | 12.0131% | 4,810 |
| Total risk-based capital ratio | 12.3541% | 5,521 |
| Memoranda: | ||
| Average total assets | $177,518,200 | 3,439 |
| Average earning assets | $166,272,200 | 3,382 |
| Average equity | $13,689,400 | 4,406 |
| Average total loans | $141,052,400 | 3,076 |