Home > Westbound Bank > Performance and Condition Ratios
Westbound Bank, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7700% | 1,142 |
| Cost of funding earning assets | 0.8935% | 614 |
| Net interest margin | 3.8765% | 2,135 |
| Noninterest income to average assets | 0.8052% | 1,436 |
| Noninterest expense to average assets | 3.8952% | 594 |
| Loan and lease loss provision to assets | 0.0035% | 3,469 |
| Net operating income to assets | 0.2655% | 5,148 |
| Return on assets (ROA) | 0.2655% | 5,148 |
| Pretax return on assets | 0.3092% | 5,159 |
| Return on Equity (ROE) | 2.4849% | 5,109 |
| Retained earnings to average equity (ytd only) | 2.4849% | 4,173 |
| Net charge-offs to loans | -0.0691% | 5,106 |
| Credit loss provision to net charge-offs | -7.1429% | 3,551 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5695% | 348 |
| Assets per employee ($millions) | 6.5636% | 1,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 2,744 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 70.4278% | 2,402 |
| Net loans and leases to deposits | 84.9225% | 2,296 |
| Net loans and leases to core deposits | 91.4151% | 2,341 |
| Total domestic deposits to total assets | 82.9318% | 3,689 |
| Equity capital to assets | 10.6435% | 2,933 |
| Core capital (leverage) ratio | 10.9953% | 2,445 |
| Tier 1 risk-based capital ratio | 13.3126% | 3,768 |
| Total risk-based capital ratio | 14.3679% | 3,799 |
| Memoranda: | ||
| Average total assets | $228,997,500 | 2,669 |
| Average earning assets | $201,008,000 | 2,777 |
| Average equity | $24,467,500 | 2,723 |
| Average total loans | $162,045,000 | 2,551 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8981% | 801 |
| Cost of funding earning assets | 0.8279% | 533 |
| Net interest margin | 4.0702% | 1,531 |
| Noninterest income to average assets | 1.2034% | 721 |
| Noninterest expense to average assets | 3.1476% | 1,721 |
| Loan and lease loss provision to assets | 0.2176% | 908 |
| Net operating income to assets | 0.7602% | 3,349 |
| Return on assets (ROA) | 0.7502% | 3,430 |
| Pretax return on assets | 1.3713% | 2,088 |
| Return on Equity (ROE) | 6.6911% | 3,434 |
| Retained earnings to average equity (ytd only) | 6.6911% | 1,198 |
| Net charge-offs to loans | 0.1784% | 1,400 |
| Credit loss provision to net charge-offs | 169.1176% | 1,591 |
| Earnings coverage of net charge-offs (x) | 12.4706% | 2,471 |
| Efficiency ratio | 66.2353% | 3,221 |
| Assets per employee ($millions) | 6.3470% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2182% | 2,666 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 69.3076% | 2,632 |
| Net loans and leases to deposits | 84.0051% | 2,489 |
| Net loans and leases to core deposits | 91.0012% | 2,462 |
| Total domestic deposits to total assets | 82.5041% | 3,732 |
| Equity capital to assets | 10.6984% | 2,945 |
| Core capital (leverage) ratio | 10.8389% | 2,483 |
| Tier 1 risk-based capital ratio | 13.5702% | 3,589 |
| Total risk-based capital ratio | 14.6398% | 3,602 |
| Memoranda: | ||
| Average total assets | $211,398,000 | 2,806 |
| Average earning assets | $184,315,800 | 2,920 |
| Average equity | $23,703,200 | 2,787 |
| Average total loans | $152,489,200 | 2,629 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8496% | 835 |
| Cost of funding earning assets | 0.7935% | 598 |
| Net interest margin | 4.0561% | 1,518 |
| Noninterest income to average assets | 1.0847% | 867 |
| Noninterest expense to average assets | 3.0615% | 1,918 |
| Loan and lease loss provision to assets | 0.1854% | 1,063 |
| Net operating income to assets | 0.9461% | 2,803 |
| Return on assets (ROA) | 0.9315% | 2,936 |
| Pretax return on assets | 1.3537% | 2,267 |
| Return on Equity (ROE) | 8.2035% | 3,021 |
| Retained earnings to average equity (ytd only) | 8.2035% | 1,135 |
| Net charge-offs to loans | -0.0239% | 4,913 |
| Credit loss provision to net charge-offs | -1,066.6667% | 4,961 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2396% | 3,170 |
| Assets per employee ($millions) | 6.0521% | 1,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 2,723 |
| Loan loss allowance to noncurrent loans | 652.0376% | 842 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 4,545 |
| Noncurrent loans to loans | 0.1894% | 4,315 |
| Net loans and leases to total assets | 74.2754% | 1,873 |
| Net loans and leases to deposits | 90.8556% | 1,705 |
| Net loans and leases to core deposits | 97.9275% | 1,892 |
| Total domestic deposits to total assets | 81.7511% | 3,853 |
| Equity capital to assets | 10.9188% | 2,941 |
| Core capital (leverage) ratio | 11.3678% | 2,126 |
| Tier 1 risk-based capital ratio | 13.0067% | 4,003 |
| Total risk-based capital ratio | 14.1046% | 4,009 |
| Memoranda: | ||
| Average total assets | $207,124,250 | 2,875 |
| Average earning assets | $180,629,750 | 2,982 |
| Average equity | $23,517,750 | 2,830 |
| Average total loans | $150,532,500 | 2,667 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7621% | 944 |
| Cost of funding earning assets | 0.7592% | 657 |
| Net interest margin | 4.0029% | 1,596 |
| Noninterest income to average assets | 1.0579% | 904 |
| Noninterest expense to average assets | 2.9862% | 2,152 |
| Loan and lease loss provision to assets | 0.1260% | 1,646 |
| Net operating income to assets | 0.8818% | 3,013 |
| Return on assets (ROA) | 0.8773% | 3,087 |
| Pretax return on assets | 1.4341% | 1,880 |
| Return on Equity (ROE) | 7.6184% | 3,238 |
| Retained earnings to average equity (ytd only) | 7.6184% | 1,308 |
| Net charge-offs to loans | -0.0401% | 5,078 |
| Credit loss provision to net charge-offs | -437.9310% | 4,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5841% | 3,418 |
| Assets per employee ($millions) | 5.7700% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2480% | 2,701 |
| Loan loss allowance to noncurrent loans | 602.1944% | 885 |
| Noncurrent assets plus other real estate owned to assets | 0.1536% | 4,565 |
| Noncurrent loans to loans | 0.2072% | 4,294 |
| Net loans and leases to total assets | 73.1765% | 2,008 |
| Net loans and leases to deposits | 90.6972% | 1,643 |
| Net loans and leases to core deposits | 96.0385% | 1,975 |
| Total domestic deposits to total assets | 80.6823% | 4,264 |
| Equity capital to assets | 11.5000% | 2,319 |
| Core capital (leverage) ratio | 11.7184% | 1,818 |
| Tier 1 risk-based capital ratio | 13.1950% | 3,883 |
| Total risk-based capital ratio | 14.2480% | 3,917 |
| Memoranda: | ||
| Average total assets | $201,523,670 | 2,955 |
| Average earning assets | $175,973,000 | 3,038 |
| Average equity | $23,207,000 | 2,859 |
| Average total loans | $144,576,000 | 2,736 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6149% | 1,101 |
| Cost of funding earning assets | 0.7352% | 707 |
| Net interest margin | 3.8796% | 1,854 |
| Noninterest income to average assets | 1.1531% | 757 |
| Noninterest expense to average assets | 2.8484% | 2,617 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9152% | 2,685 |
| Return on assets (ROA) | 0.9152% | 2,738 |
| Pretax return on assets | 1.6873% | 1,035 |
| Return on Equity (ROE) | 7.9417% | 2,953 |
| Retained earnings to average equity (ytd only) | 7.9417% | 1,486 |
| Net charge-offs to loans | -0.0600% | 5,263 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8000% | 4,020 |
| Assets per employee ($millions) | 5.6201% | 1,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 2,704 |
| Loan loss allowance to noncurrent loans | 558.1250% | 969 |
| Noncurrent assets plus other real estate owned to assets | 0.1582% | 4,621 |
| Noncurrent loans to loans | 0.2270% | 4,299 |
| Net loans and leases to total assets | 68.7839% | 2,559 |
| Net loans and leases to deposits | 82.7649% | 2,421 |
| Net loans and leases to core deposits | 87.0597% | 2,635 |
| Total domestic deposits to total assets | 83.1076% | 3,798 |
| Equity capital to assets | 11.3794% | 2,279 |
| Core capital (leverage) ratio | 11.9589% | 1,657 |
| Tier 1 risk-based capital ratio | 13.6178% | 3,705 |
| Total risk-based capital ratio | 14.6469% | 3,756 |
| Memoranda: | ||
| Average total assets | $198,425,000 | 3,011 |
| Average earning assets | $173,006,000 | 3,097 |
| Average equity | $22,866,500 | 2,907 |
| Average total loans | $139,902,000 | 2,824 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6704% | 1,116 |
| Cost of funding earning assets | 0.6506% | 1,054 |
| Net interest margin | 4.0198% | 1,577 |
| Noninterest income to average assets | 1.1407% | 875 |
| Noninterest expense to average assets | 3.5550% | 1,075 |
| Loan and lease loss provision to assets | 0.0267% | 3,820 |
| Net operating income to assets | 0.7464% | 3,553 |
| Return on assets (ROA) | 0.7440% | 3,680 |
| Pretax return on assets | 1.0253% | 3,383 |
| Return on Equity (ROE) | 5.7930% | 4,077 |
| Retained earnings to average equity (ytd only) | 5.7930% | 1,827 |
| Net charge-offs to loans | -0.0206% | 5,136 |
| Credit loss provision to net charge-offs | -188.0000% | 4,990 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.1080% | 1,827 |
| Assets per employee ($millions) | 5.5579% | 1,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2711% | 2,701 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 70.4721% | 2,410 |
| Net loans and leases to deposits | 85.4168% | 2,247 |
| Net loans and leases to core deposits | 89.7631% | 2,526 |
| Total domestic deposits to total assets | 82.5038% | 3,936 |
| Equity capital to assets | 11.6744% | 2,023 |
| Core capital (leverage) ratio | 12.3158% | 1,423 |
| Tier 1 risk-based capital ratio | 13.6480% | 3,675 |
| Total risk-based capital ratio | 14.6753% | 3,717 |
| Memoranda: | ||
| Average total assets | $175,951,400 | 3,210 |
| Average earning assets | $151,871,400 | 3,346 |
| Average equity | $22,596,200 | 2,933 |
| Average total loans | $121,219,200 | 3,050 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6289% | 1,235 |
| Cost of funding earning assets | 0.6244% | 1,174 |
| Net interest margin | 4.0045% | 1,634 |
| Noninterest income to average assets | 0.8079% | 1,728 |
| Noninterest expense to average assets | 3.6207% | 969 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.4908% | 4,730 |
| Return on assets (ROA) | 0.4872% | 4,830 |
| Pretax return on assets | 0.6367% | 4,769 |
| Return on Equity (ROE) | 3.6984% | 5,027 |
| Retained earnings to average equity (ytd only) | 3.6984% | 3,672 |
| Net charge-offs to loans | -0.0148% | 4,906 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.9525% | 906 |
| Assets per employee ($millions) | 5.1239% | 2,228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3333% | 2,518 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 68.4403% | 2,735 |
| Net loans and leases to deposits | 84.0048% | 2,481 |
| Net loans and leases to core deposits | 88.4242% | 2,722 |
| Total domestic deposits to total assets | 81.4719% | 4,110 |
| Equity capital to assets | 12.4195% | 1,829 |
| Core capital (leverage) ratio | 12.5701% | 1,373 |
| Tier 1 risk-based capital ratio | 13.5402% | 3,837 |
| Total risk-based capital ratio | 14.5490% | 3,890 |
| Memoranda: | ||
| Average total assets | $171,307,250 | 3,278 |
| Average earning assets | $147,762,750 | 3,413 |
| Average equity | $22,567,750 | 2,961 |
| Average total loans | $116,810,750 | 3,122 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4753% | 1,590 |
| Cost of funding earning assets | 0.5898% | 1,402 |
| Net interest margin | 3.8855% | 2,027 |
| Noninterest income to average assets | 0.8471% | 1,560 |
| Noninterest expense to average assets | 3.7167% | 856 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.3892% | 5,066 |
| Return on assets (ROA) | 0.3834% | 5,166 |
| Pretax return on assets | 0.4781% | 5,179 |
| Return on Equity (ROE) | 2.8503% | 5,284 |
| Retained earnings to average equity (ytd only) | 2.8503% | 4,091 |
| Net charge-offs to loans | 0.0212% | 3,069 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 33.7500% | 1,297 |
| Efficiency ratio | 88.4517% | 688 |
| Assets per employee ($millions) | 4.7213% | 2,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3773% | 2,397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 68.9065% | 2,648 |
| Net loans and leases to deposits | 87.9090% | 2,010 |
| Net loans and leases to core deposits | 92.3169% | 2,321 |
| Total domestic deposits to total assets | 78.3839% | 4,920 |
| Equity capital to assets | 12.9722% | 1,518 |
| Core capital (leverage) ratio | 13.5785% | 953 |
| Tier 1 risk-based capital ratio | 14.2115% | 3,491 |
| Total risk-based capital ratio | 15.2694% | 3,511 |
| Memoranda: | ||
| Average total assets | $166,923,000 | 3,353 |
| Average earning assets | $144,126,000 | 3,478 |
| Average equity | $22,454,000 | 2,974 |
| Average total loans | $113,097,330 | 3,187 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3890% | 1,836 |
| Cost of funding earning assets | 0.5928% | 1,378 |
| Net interest margin | 3.7962% | 2,300 |
| Noninterest income to average assets | 1.2537% | 692 |
| Noninterest expense to average assets | 3.8984% | 687 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4686% | 4,742 |
| Return on assets (ROA) | 0.4539% | 4,902 |
| Pretax return on assets | 0.6035% | 4,813 |
| Return on Equity (ROE) | 3.3109% | 5,122 |
| Retained earnings to average equity (ytd only) | 3.3109% | 3,840 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2181% | 954 |
| Assets per employee ($millions) | 4.1616% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6034% | 1,595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 5,480 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 64.0111% | 3,240 |
| Net loans and leases to deposits | 74.8162% | 3,339 |
| Net loans and leases to core deposits | 78.4150% | 3,461 |
| Total domestic deposits to total assets | 85.5579% | 2,882 |
| Equity capital to assets | 13.8352% | 1,041 |
| Core capital (leverage) ratio | 13.8242% | 856 |
| Tier 1 risk-based capital ratio | 15.4572% | 2,946 |
| Total risk-based capital ratio | 16.6235% | 2,921 |
| Memoranda: | ||
| Average total assets | $163,040,000 | 3,415 |
| Average earning assets | $140,349,500 | 3,556 |
| Average equity | $22,350,500 | 2,984 |
| Average total loans | $108,619,500 | 3,263 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4975% | 1,607 |
| Cost of funding earning assets | 0.5638% | 1,644 |
| Net interest margin | 3.9337% | 1,919 |
| Noninterest income to average assets | 1.5941% | 503 |
| Noninterest expense to average assets | 4.1638% | 558 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5871% | 4,344 |
| Return on assets (ROA) | 0.5871% | 4,437 |
| Pretax return on assets | 0.8098% | 4,156 |
| Return on Equity (ROE) | 3.9203% | 4,981 |
| Retained earnings to average equity (ytd only) | 3.9203% | 3,250 |
| Net charge-offs to loans | -0.0756% | 5,698 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7182% | 1,205 |
| Assets per employee ($millions) | 4.4264% | 3,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5163% | 1,927 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 5,529 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 67.1407% | 2,842 |
| Net loans and leases to deposits | 81.3375% | 2,670 |
| Net loans and leases to core deposits | 86.6961% | 2,731 |
| Total domestic deposits to total assets | 82.5458% | 4,002 |
| Equity capital to assets | 13.5831% | 1,098 |
| Core capital (leverage) ratio | 13.6179% | 932 |
| Tier 1 risk-based capital ratio | 14.9144% | 3,216 |
| Total risk-based capital ratio | 16.0491% | 3,209 |
| Memoranda: | ||
| Average total assets | $156,707,200 | 3,477 |
| Average earning assets | $134,631,400 | 3,617 |
| Average equity | $23,467,600 | 2,837 |
| Average total loans | $99,255,400 | 3,396 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4507% | 1,752 |
| Cost of funding earning assets | 0.5548% | 1,763 |
| Net interest margin | 3.8959% | 2,047 |
| Noninterest income to average assets | 1.8166% | 412 |
| Noninterest expense to average assets | 4.1095% | 582 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7841% | 3,501 |
| Return on assets (ROA) | 0.7841% | 3,587 |
| Pretax return on assets | 1.0394% | 3,466 |
| Return on Equity (ROE) | 5.0839% | 4,590 |
| Retained earnings to average equity (ytd only) | 5.0839% | 2,856 |
| Net charge-offs to loans | -0.1040% | 5,800 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8130% | 1,683 |
| Assets per employee ($millions) | 4.5814% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6687% | 1,559 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0546% | 5,555 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 60.4886% | 3,811 |
| Net loans and leases to deposits | 70.9480% | 3,883 |
| Net loans and leases to core deposits | 74.4365% | 3,971 |
| Total domestic deposits to total assets | 85.2576% | 2,906 |
| Equity capital to assets | 13.9773% | 1,033 |
| Core capital (leverage) ratio | 14.0952% | 837 |
| Tier 1 risk-based capital ratio | 17.0753% | 2,348 |
| Total risk-based capital ratio | 18.3252% | 2,298 |
| Memoranda: | ||
| Average total assets | $155,084,750 | 3,524 |
| Average earning assets | $132,649,000 | 3,686 |
| Average equity | $23,918,000 | 2,812 |
| Average total loans | $96,155,750 | 3,486 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4400% | 1,713 |
| Cost of funding earning assets | 0.5315% | 1,968 |
| Net interest margin | 3.9085% | 1,943 |
| Noninterest income to average assets | 1.9934% | 374 |
| Noninterest expense to average assets | 4.1567% | 574 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9552% | 2,604 |
| Return on assets (ROA) | 0.9552% | 2,721 |
| Pretax return on assets | 1.1792% | 2,865 |
| Return on Equity (ROE) | 5.9902% | 4,129 |
| Retained earnings to average equity (ytd only) | 5.9902% | 2,249 |
| Net charge-offs to loans | -0.1928% | 6,015 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9012% | 2,087 |
| Assets per employee ($millions) | 4.5350% | 2,930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6418% | 1,781 |
| Loan loss allowance to noncurrent loans | 1,987.2093% | 296 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 5,533 |
| Noncurrent loans to loans | 0.0826% | 5,406 |
| Net loans and leases to total assets | 62.7129% | 3,444 |
| Net loans and leases to deposits | 74.4283% | 3,441 |
| Net loans and leases to core deposits | 78.6633% | 3,512 |
| Total domestic deposits to total assets | 84.2595% | 3,463 |
| Equity capital to assets | 15.0919% | 685 |
| Core capital (leverage) ratio | 16.2708% | 434 |
| Tier 1 risk-based capital ratio | 18.7761% | 1,849 |
| Total risk-based capital ratio | 20.0270% | 1,816 |
| Memoranda: | ||
| Average total assets | $151,802,330 | 3,606 |
| Average earning assets | $129,821,000 | 3,761 |
| Average equity | $24,206,330 | 2,786 |
| Average total loans | $94,388,330 | 3,544 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4023% | 1,759 |
| Cost of funding earning assets | 0.5347% | 1,972 |
| Net interest margin | 3.8676% | 2,006 |
| Noninterest income to average assets | 1.5526% | 509 |
| Noninterest expense to average assets | 4.2965% | 502 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4190% | 4,999 |
| Return on assets (ROA) | 0.4190% | 5,120 |
| Pretax return on assets | 0.5641% | 5,012 |
| Return on Equity (ROE) | 2.5511% | 5,525 |
| Retained earnings to average equity (ytd only) | 2.5511% | 4,410 |
| Net charge-offs to loans | -0.4110% | 6,208 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3944% | 987 |
| Assets per employee ($millions) | 3.8966% | 4,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8133% | 1,472 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1033% | 5,538 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 62.4979% | 3,287 |
| Net loans and leases to deposits | 75.2113% | 3,147 |
| Net loans and leases to core deposits | 80.1955% | 3,132 |
| Total domestic deposits to total assets | 83.0964% | 4,151 |
| Equity capital to assets | 16.2580% | 515 |
| Core capital (leverage) ratio | 16.5749% | 408 |
| Tier 1 risk-based capital ratio | 18.9725% | 1,879 |
| Total risk-based capital ratio | 20.2237% | 1,841 |
| Memoranda: | ||
| Average total assets | $146,073,500 | 3,713 |
| Average earning assets | $124,936,000 | 3,894 |
| Average equity | $23,990,000 | 2,827 |
| Average total loans | $89,535,500 | 3,655 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9560% | 3,894 |
| Cost of funding earning assets | 0.5881% | 1,879 |
| Net interest margin | 3.3680% | 4,336 |
| Noninterest income to average assets | 1.6816% | 448 |
| Noninterest expense to average assets | 3.8497% | 914 |
| Loan and lease loss provision to assets | -0.1746% | 6,260 |
| Net operating income to assets | 1.6964% | 584 |
| Return on assets (ROA) | 1.6964% | 602 |
| Pretax return on assets | 0.8728% | 3,989 |
| Return on Equity (ROE) | 10.5604% | 1,873 |
| Retained earnings to average equity (ytd only) | 10.5604% | 434 |
| Net charge-offs to loans | -0.8194% | 6,436 |
| Credit loss provision to net charge-offs | 40.0646% | 3,671 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6463% | 1,329 |
| Assets per employee ($millions) | 4.1165% | 3,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9075% | 1,296 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 5,388 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 57.7493% | 4,082 |
| Net loans and leases to deposits | 69.9711% | 3,913 |
| Net loans and leases to core deposits | 74.6104% | 3,861 |
| Total domestic deposits to total assets | 82.5331% | 4,237 |
| Equity capital to assets | 16.5931% | 468 |
| Core capital (leverage) ratio | 16.0693% | 461 |
| Tier 1 risk-based capital ratio | 21.3020% | 1,340 |
| Total risk-based capital ratio | 22.5541% | 1,316 |
| Memoranda: | ||
| Average total assets | $142,063,800 | 3,758 |
| Average earning assets | $120,904,200 | 3,945 |
| Average equity | $22,821,000 | 2,865 |
| Average total loans | $75,539,800 | 4,002 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9266% | 4,068 |
| Cost of funding earning assets | 0.5945% | 1,888 |
| Net interest margin | 3.3321% | 4,498 |
| Noninterest income to average assets | 2.0806% | 322 |
| Noninterest expense to average assets | 3.9765% | 775 |
| Loan and lease loss provision to assets | -0.2336% | 6,413 |
| Net operating income to assets | 2.0146% | 335 |
| Return on assets (ROA) | 2.0146% | 350 |
| Pretax return on assets | 1.1670% | 2,922 |
| Return on Equity (ROE) | 12.6474% | 1,308 |
| Retained earnings to average equity (ytd only) | 12.6474% | 363 |
| Net charge-offs to loans | -1.0780% | 6,523 |
| Credit loss provision to net charge-offs | 41.8919% | 3,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.9898% | 1,765 |
| Assets per employee ($millions) | 4.1875% | 3,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1006% | 1,090 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4565% | 4,529 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 50.5916% | 4,935 |
| Net loans and leases to deposits | 61.0191% | 4,849 |
| Net loans and leases to core deposits | 65.2729% | 4,775 |
| Total domestic deposits to total assets | 82.9110% | 4,180 |
| Equity capital to assets | 16.1270% | 543 |
| Core capital (leverage) ratio | 16.3506% | 434 |
| Tier 1 risk-based capital ratio | 21.9010% | 1,279 |
| Total risk-based capital ratio | 23.1541% | 1,258 |
| Memoranda: | ||
| Average total assets | $141,560,250 | 3,797 |
| Average earning assets | $120,201,750 | 3,983 |
| Average equity | $22,549,500 | 2,897 |
| Average total loans | $73,219,250 | 4,106 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7484% | 4,703 |
| Cost of funding earning assets | 0.6008% | 1,892 |
| Net interest margin | 3.1477% | 5,101 |
| Noninterest income to average assets | 1.8600% | 390 |
| Noninterest expense to average assets | 3.9402% | 815 |
| Loan and lease loss provision to assets | -0.3546% | 6,548 |
| Net operating income to assets | 1.8214% | 473 |
| Return on assets (ROA) | 1.8214% | 487 |
| Pretax return on assets | 0.9636% | 3,626 |
| Return on Equity (ROE) | 11.4840% | 1,576 |
| Retained earnings to average equity (ytd only) | 11.4840% | 477 |
| Net charge-offs to loans | -0.8400% | 6,561 |
| Credit loss provision to net charge-offs | 81.5789% | 2,310 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6122% | 1,207 |
| Assets per employee ($millions) | 4.1410% | 3,562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7883% | 1,872 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5263% | 4,423 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 50.8271% | 4,872 |
| Net loans and leases to deposits | 61.2014% | 4,760 |
| Net loans and leases to core deposits | 66.0132% | 4,642 |
| Total domestic deposits to total assets | 83.0489% | 4,286 |
| Equity capital to assets | 16.1627% | 522 |
| Core capital (leverage) ratio | 16.1489% | 456 |
| Tier 1 risk-based capital ratio | 21.7950% | 1,291 |
| Total risk-based capital ratio | 23.0449% | 1,267 |
| Memoranda: | ||
| Average total assets | $139,893,000 | 3,853 |
| Average earning assets | $119,516,670 | 4,021 |
| Average equity | $22,187,330 | 2,926 |
| Average total loans | $72,379,330 | 4,151 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7076% | 4,821 |
| Cost of funding earning assets | 0.6113% | 1,889 |
| Net interest margin | 3.0963% | 5,266 |
| Noninterest income to average assets | 2.5301% | 236 |
| Noninterest expense to average assets | 4.0504% | 713 |
| Loan and lease loss provision to assets | -0.5680% | 6,672 |
| Net operating income to assets | 2.4526% | 156 |
| Return on assets (ROA) | 2.4526% | 164 |
| Pretax return on assets | 1.7355% | 907 |
| Return on Equity (ROE) | 15.6143% | 690 |
| Retained earnings to average equity (ytd only) | 15.6143% | 293 |
| Net charge-offs to loans | -1.1534% | 6,638 |
| Credit loss provision to net charge-offs | 95.1923% | 1,749 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6251% | 2,530 |
| Assets per employee ($millions) | 4.1751% | 3,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8937% | 1,776 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6220% | 4,258 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 45.8744% | 5,341 |
| Net loans and leases to deposits | 54.8535% | 5,207 |
| Net loans and leases to core deposits | 58.5926% | 5,153 |
| Total domestic deposits to total assets | 83.6307% | 4,408 |
| Equity capital to assets | 15.7303% | 561 |
| Core capital (leverage) ratio | 16.0003% | 479 |
| Tier 1 risk-based capital ratio | 23.2566% | 1,108 |
| Total risk-based capital ratio | 24.5078% | 1,089 |
| Memoranda: | ||
| Average total assets | $139,443,000 | 3,887 |
| Average earning assets | $121,049,000 | 4,023 |
| Average equity | $21,903,000 | 2,952 |
| Average total loans | $72,137,000 | 4,200 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6553% | 1,700 |
| Cost of funding earning assets | 0.6818% | 1,946 |
| Net interest margin | 3.9735% | 2,024 |
| Noninterest income to average assets | 1.1579% | 1,053 |
| Noninterest expense to average assets | 4.0203% | 856 |
| Loan and lease loss provision to assets | -0.5561% | 6,757 |
| Net operating income to assets | 1.0981% | 1,943 |
| Return on assets (ROA) | 0.8267% | 3,238 |
| Pretax return on assets | 0.8267% | 4,047 |
| Return on Equity (ROE) | 5.3236% | 4,484 |
| Retained earnings to average equity (ytd only) | 5.3236% | 2,399 |
| Net charge-offs to loans | -0.6290% | 6,740 |
| Credit loss provision to net charge-offs | 145.7364% | 1,597 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1199% | 1,200 |
| Assets per employee ($millions) | 4.0274% | 3,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6009% | 2,758 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9706% | 3,477 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 55.9764% | 4,320 |
| Net loans and leases to deposits | 66.9546% | 4,185 |
| Net loans and leases to core deposits | 71.0549% | 4,181 |
| Total domestic deposits to total assets | 83.6034% | 4,319 |
| Equity capital to assets | 15.6838% | 573 |
| Core capital (leverage) ratio | 15.5321% | 536 |
| Tier 1 risk-based capital ratio | 22.2541% | 1,216 |
| Total risk-based capital ratio | 23.5052% | 1,192 |
| Memoranda: | ||
| Average total assets | $135,239,200 | 3,975 |
| Average earning assets | $115,867,200 | 4,133 |
| Average equity | $21,001,000 | 3,040 |
| Average total loans | $82,031,400 | 3,879 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7046% | 1,587 |
| Cost of funding earning assets | 0.6929% | 1,999 |
| Net interest margin | 4.0117% | 1,904 |
| Noninterest income to average assets | 1.0760% | 1,266 |
| Noninterest expense to average assets | 4.0321% | 823 |
| Loan and lease loss provision to assets | -0.4124% | 6,812 |
| Net operating income to assets | 0.8861% | 2,905 |
| Return on assets (ROA) | 0.8940% | 2,982 |
| Pretax return on assets | 0.8940% | 3,914 |
| Return on Equity (ROE) | 5.7719% | 4,303 |
| Retained earnings to average equity (ytd only) | 5.7719% | 2,557 |
| Net charge-offs to loans | -0.5714% | 6,795 |
| Credit loss provision to net charge-offs | 117.1348% | 2,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.4864% | 1,039 |
| Assets per employee ($millions) | 4.1856% | 3,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7340% | 2,505 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9853% | 3,686 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 58.3424% | 3,953 |
| Net loans and leases to deposits | 69.3977% | 3,871 |
| Net loans and leases to core deposits | 73.5690% | 3,901 |
| Total domestic deposits to total assets | 84.0696% | 4,158 |
| Equity capital to assets | 15.1550% | 689 |
| Core capital (leverage) ratio | 15.3000% | 592 |
| Tier 1 risk-based capital ratio | 20.4132% | 1,618 |
| Total risk-based capital ratio | 21.6652% | 1,596 |
| Memoranda: | ||
| Average total assets | $134,816,250 | 4,020 |
| Average earning assets | $115,260,750 | 4,195 |
| Average equity | $20,882,250 | 3,084 |
| Average total loans | $83,065,250 | 3,880 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6626% | 1,672 |
| Cost of funding earning assets | 0.7014% | 2,053 |
| Net interest margin | 3.9612% | 2,004 |
| Noninterest income to average assets | 1.3073% | 910 |
| Noninterest expense to average assets | 4.2075% | 688 |
| Loan and lease loss provision to assets | -0.6237% | 6,885 |
| Net operating income to assets | 1.1024% | 1,918 |
| Return on assets (ROA) | 1.1143% | 1,998 |
| Pretax return on assets | 1.1143% | 3,038 |
| Return on Equity (ROE) | 7.1410% | 3,523 |
| Retained earnings to average equity (ytd only) | 7.1410% | 1,823 |
| Net charge-offs to loans | -0.5898% | 6,835 |
| Credit loss provision to net charge-offs | 169.5122% | 1,390 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7861% | 1,063 |
| Assets per employee ($millions) | 4.0718% | 3,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5223% | 3,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1728% | 1,987 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 61.3077% | 3,421 |
| Net loans and leases to deposits | 72.7841% | 3,340 |
| Net loans and leases to core deposits | 76.9492% | 3,432 |
| Total domestic deposits to total assets | 84.2323% | 4,224 |
| Equity capital to assets | 15.0700% | 699 |
| Core capital (leverage) ratio | 15.4250% | 536 |
| Tier 1 risk-based capital ratio | 19.3152% | 1,905 |
| Total risk-based capital ratio | 20.5244% | 1,884 |
| Memoranda: | ||
| Average total assets | $133,713,000 | 4,062 |
| Average earning assets | $114,057,000 | 4,256 |
| Average equity | $20,865,330 | 3,105 |
| Average total loans | $83,417,670 | 3,885 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6330% | 1,733 |
| Cost of funding earning assets | 0.7147% | 2,097 |
| Net interest margin | 3.9183% | 2,056 |
| Noninterest income to average assets | 2.2109% | 378 |
| Noninterest expense to average assets | 4.4949% | 541 |
| Loan and lease loss provision to assets | -0.6913% | 6,980 |
| Net operating income to assets | 1.7297% | 541 |
| Return on assets (ROA) | 1.7450% | 584 |
| Pretax return on assets | 1.7450% | 986 |
| Return on Equity (ROE) | 10.9841% | 1,716 |
| Retained earnings to average equity (ytd only) | 10.9841% | 880 |
| Net charge-offs to loans | -1.1020% | 6,933 |
| Credit loss provision to net charge-offs | 100.4425% | 1,811 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2328% | 2,163 |
| Assets per employee ($millions) | 3.8103% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7768% | 2,707 |
| Loan loss allowance to noncurrent loans | 282.2857% | 1,390 |
| Noncurrent assets plus other real estate owned to assets | 2.9514% | 1,527 |
| Noncurrent loans to loans | 0.6294% | 4,870 |
| Net loans and leases to total assets | 61.4334% | 3,185 |
| Net loans and leases to deposits | 73.5946% | 2,976 |
| Net loans and leases to core deposits | 78.4441% | 3,001 |
| Total domestic deposits to total assets | 83.4754% | 4,681 |
| Equity capital to assets | 15.8639% | 580 |
| Core capital (leverage) ratio | 16.0299% | 450 |
| Tier 1 risk-based capital ratio | 19.6369% | 1,868 |
| Total risk-based capital ratio | 20.8889% | 1,847 |
| Memoranda: | ||
| Average total assets | $131,349,000 | 4,152 |
| Average earning assets | $111,375,000 | 4,347 |
| Average equity | $20,866,500 | 3,149 |
| Average total loans | $82,033,000 | 3,960 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5039% | 3,377 |
| Cost of funding earning assets | 0.8887% | 1,999 |
| Net interest margin | 3.6152% | 4,021 |
| Noninterest income to average assets | 1.7788% | 521 |
| Noninterest expense to average assets | 4.0777% | 892 |
| Loan and lease loss provision to assets | -0.2883% | 7,009 |
| Net operating income to assets | 0.9936% | 2,367 |
| Return on assets (ROA) | 1.0049% | 2,536 |
| Pretax return on assets | 1.0049% | 3,532 |
| Return on Equity (ROE) | 7.2486% | 3,500 |
| Retained earnings to average equity (ytd only) | 7.2486% | 1,451 |
| Net charge-offs to loans | 0.9896% | 1,103 |
| Credit loss provision to net charge-offs | -50.6832% | 6,273 |
| Earnings coverage of net charge-offs (x) | 1.2398% | 4,842 |
| Efficiency ratio | 85.2541% | 1,497 |
| Assets per employee ($millions) | 3.6954% | 4,573 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8387% | 2,470 |
| Loan loss allowance to noncurrent loans | 141.6428% | 2,487 |
| Noncurrent assets plus other real estate owned to assets | 3.8704% | 1,128 |
| Noncurrent loans to loans | 1.2981% | 3,667 |
| Net loans and leases to total assets | 61.2143% | 3,390 |
| Net loans and leases to deposits | 73.3079% | 3,209 |
| Net loans and leases to core deposits | 77.0243% | 3,401 |
| Total domestic deposits to total assets | 83.5030% | 4,534 |
| Equity capital to assets | 15.9094% | 568 |
| Core capital (leverage) ratio | 14.4968% | 672 |
| Tier 1 risk-based capital ratio | 19.1993% | 1,900 |
| Total risk-based capital ratio | 20.4505% | 1,876 |
| Memoranda: | ||
| Average total assets | $141,501,000 | 3,923 |
| Average earning assets | $117,586,800 | 4,175 |
| Average equity | $19,617,600 | 3,241 |
| Average total loans | $81,348,000 | 3,997 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4726% | 3,742 |
| Cost of funding earning assets | 0.9070% | 2,127 |
| Net interest margin | 3.5656% | 4,374 |
| Noninterest income to average assets | 1.8421% | 474 |
| Noninterest expense to average assets | 4.1002% | 827 |
| Loan and lease loss provision to assets | -0.3764% | 7,133 |
| Net operating income to assets | 1.0700% | 2,212 |
| Return on assets (ROA) | 1.0931% | 2,314 |
| Pretax return on assets | 1.0931% | 3,376 |
| Return on Equity (ROE) | 8.1535% | 3,209 |
| Retained earnings to average equity (ytd only) | 8.1535% | 1,554 |
| Net charge-offs to loans | 1.1040% | 921 |
| Credit loss provision to net charge-offs | -60.4444% | 6,201 |
| Earnings coverage of net charge-offs (x) | 1.1141% | 4,742 |
| Efficiency ratio | 85.5301% | 1,427 |
| Assets per employee ($millions) | 3.8677% | 4,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0246% | 2,100 |
| Loan loss allowance to noncurrent loans | 87.6697% | 3,600 |
| Noncurrent assets plus other real estate owned to assets | 7.2598% | 479 |
| Noncurrent loans to loans | 2.3093% | 2,495 |
| Net loans and leases to total assets | 54.5806% | 4,657 |
| Net loans and leases to deposits | 68.3333% | 4,129 |
| Net loans and leases to core deposits | 71.2051% | 4,352 |
| Total domestic deposits to total assets | 79.8741% | 5,691 |
| Equity capital to assets | 14.2407% | 1,064 |
| Core capital (leverage) ratio | 14.5591% | 694 |
| Tier 1 risk-based capital ratio | 18.6075% | 2,130 |
| Total risk-based capital ratio | 19.8604% | 2,096 |
| Memoranda: | ||
| Average total assets | $144,541,500 | 3,911 |
| Average earning assets | $119,658,750 | 4,158 |
| Average equity | $19,377,750 | 3,308 |
| Average total loans | $81,520,750 | 4,036 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5032% | 3,753 |
| Cost of funding earning assets | 0.9342% | 2,153 |
| Net interest margin | 3.5690% | 4,388 |
| Noninterest income to average assets | 1.4205% | 711 |
| Noninterest expense to average assets | 4.3249% | 637 |
| Loan and lease loss provision to assets | -0.5627% | 7,211 |
| Net operating income to assets | 0.6192% | 4,283 |
| Return on assets (ROA) | 0.6427% | 4,399 |
| Pretax return on assets | 0.6427% | 4,985 |
| Return on Equity (ROE) | 4.8939% | 4,852 |
| Retained earnings to average equity (ytd only) | 4.8939% | 3,336 |
| Net charge-offs to loans | 1.5100% | 663 |
| Credit loss provision to net charge-offs | -65.8065% | 6,024 |
| Earnings coverage of net charge-offs (x) | 0.0661% | 5,048 |
| Efficiency ratio | 98.7095% | 601 |
| Assets per employee ($millions) | 3.8284% | 4,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1585% | 1,865 |
| Loan loss allowance to noncurrent loans | 99.2861% | 3,213 |
| Noncurrent assets plus other real estate owned to assets | 6.9605% | 567 |
| Noncurrent loans to loans | 2.1740% | 2,741 |
| Net loans and leases to total assets | 54.8937% | 4,646 |
| Net loans and leases to deposits | 68.6456% | 4,097 |
| Net loans and leases to core deposits | 71.7306% | 4,325 |
| Total domestic deposits to total assets | 79.9668% | 5,747 |
| Equity capital to assets | 14.0900% | 1,057 |
| Core capital (leverage) ratio | 13.7143% | 897 |
| Tier 1 risk-based capital ratio | 19.1231% | 1,933 |
| Total risk-based capital ratio | 20.3785% | 1,913 |
| Memoranda: | ||
| Average total assets | $145,020,670 | 3,919 |
| Average earning assets | $120,315,330 | 4,164 |
| Average equity | $19,044,000 | 3,351 |
| Average total loans | $82,120,670 | 4,035 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3839% | 4,392 |
| Cost of funding earning assets | 0.9431% | 2,355 |
| Net interest margin | 3.4408% | 4,949 |
| Noninterest income to average assets | 1.2381% | 928 |
| Noninterest expense to average assets | 4.2175% | 723 |
| Loan and lease loss provision to assets | 0.4495% | 1,380 |
| Net operating income to assets | -0.5517% | 6,854 |
| Return on assets (ROA) | -0.5087% | 6,858 |
| Pretax return on assets | -0.5087% | 6,832 |
| Return on Equity (ROE) | -4.0092% | 6,812 |
| Retained earnings to average equity (ytd only) | -4.0092% | 6,497 |
| Net charge-offs to loans | 3.5684% | 181 |
| Credit loss provision to net charge-offs | 22.1485% | 3,745 |
| Earnings coverage of net charge-offs (x) | -0.0504% | 4,389 |
| Efficiency ratio | 102.4853% | 486 |
| Assets per employee ($millions) | 4.0319% | 3,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5758% | 1,257 |
| Loan loss allowance to noncurrent loans | 77.9667% | 3,746 |
| Noncurrent assets plus other real estate owned to assets | 7.4779% | 542 |
| Noncurrent loans to loans | 3.3037% | 1,929 |
| Net loans and leases to total assets | 54.9577% | 4,560 |
| Net loans and leases to deposits | 67.3631% | 4,167 |
| Net loans and leases to core deposits | 70.1620% | 4,392 |
| Total domestic deposits to total assets | 81.5843% | 5,432 |
| Equity capital to assets | 12.9454% | 1,461 |
| Core capital (leverage) ratio | 12.7208% | 1,232 |
| Tier 1 risk-based capital ratio | 18.0953% | 2,250 |
| Total risk-based capital ratio | 19.3556% | 2,218 |
| Memoranda: | ||
| Average total assets | $148,620,500 | 3,897 |
| Average earning assets | $124,272,000 | 4,107 |
| Average equity | $18,856,500 | 3,373 |
| Average total loans | $84,519,000 | 3,993 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8365% | 3,643 |
| Cost of funding earning assets | 1.1222% | 2,525 |
| Net interest margin | 3.7143% | 4,236 |
| Noninterest income to average assets | 1.3623% | 694 |
| Noninterest expense to average assets | 4.3077% | 713 |
| Loan and lease loss provision to assets | 1.0996% | 822 |
| Net operating income to assets | -0.9462% | 6,716 |
| Return on assets (ROA) | -0.9335% | 6,741 |
| Pretax return on assets | -0.9335% | 6,706 |
| Return on Equity (ROE) | -7.2021% | 6,644 |
| Retained earnings to average equity (ytd only) | -7.2021% | 6,585 |
| Net charge-offs to loans | 1.0146% | 1,716 |
| Credit loss provision to net charge-offs | 171.0581% | 1,566 |
| Earnings coverage of net charge-offs (x) | 0.2386% | 5,649 |
| Efficiency ratio | 96.5620% | 797 |
| Assets per employee ($millions) | 4.2248% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0943% | 746 |
| Loan loss allowance to noncurrent loans | 62.3152% | 4,387 |
| Noncurrent assets plus other real estate owned to assets | 8.3620% | 458 |
| Noncurrent loans to loans | 4.9656% | 1,139 |
| Net loans and leases to total assets | 55.5331% | 4,788 |
| Net loans and leases to deposits | 68.0005% | 4,451 |
| Net loans and leases to core deposits | 71.1511% | 4,630 |
| Total domestic deposits to total assets | 81.6658% | 5,248 |
| Equity capital to assets | 12.4417% | 1,827 |
| Core capital (leverage) ratio | 12.6627% | 1,283 |
| Tier 1 risk-based capital ratio | 17.2739% | 2,479 |
| Total risk-based capital ratio | 18.5391% | 2,446 |
| Memoranda: | ||
| Average total assets | $149,965,600 | 3,800 |
| Average earning assets | $125,110,000 | 4,031 |
| Average equity | $19,438,800 | 3,220 |
| Average total loans | $95,013,000 | 3,744 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9692% | 3,248 |
| Cost of funding earning assets | 1.1610% | 2,559 |
| Net interest margin | 3.8081% | 3,831 |
| Noninterest income to average assets | 1.3276% | 743 |
| Noninterest expense to average assets | 4.4424% | 607 |
| Loan and lease loss provision to assets | 1.2661% | 598 |
| Net operating income to assets | -1.2027% | 6,959 |
| Return on assets (ROA) | -1.1920% | 6,977 |
| Pretax return on assets | -1.1920% | 6,937 |
| Return on Equity (ROE) | -9.1032% | 6,865 |
| Retained earnings to average equity (ytd only) | -9.1032% | 6,821 |
| Net charge-offs to loans | 1.1906% | 1,319 |
| Credit loss provision to net charge-offs | 163.8568% | 1,863 |
| Earnings coverage of net charge-offs (x) | 0.0820% | 5,547 |
| Efficiency ratio | 98.5941% | 715 |
| Assets per employee ($millions) | 4.0029% | 3,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8690% | 962 |
| Loan loss allowance to noncurrent loans | 308.9157% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 7.5439% | 621 |
| Noncurrent loans to loans | 0.9287% | 5,024 |
| Net loans and leases to total assets | 60.2371% | 4,089 |
| Net loans and leases to deposits | 75.4739% | 3,416 |
| Net loans and leases to core deposits | 79.5178% | 3,704 |
| Total domestic deposits to total assets | 79.8118% | 5,788 |
| Equity capital to assets | 13.2592% | 1,484 |
| Core capital (leverage) ratio | 13.1310% | 1,180 |
| Tier 1 risk-based capital ratio | 16.9045% | 2,676 |
| Total risk-based capital ratio | 18.1672% | 2,642 |
| Memoranda: | ||
| Average total assets | $149,433,750 | 3,834 |
| Average earning assets | $124,712,500 | 4,070 |
| Average equity | $19,567,750 | 3,210 |
| Average total loans | $96,976,500 | 3,726 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7864% | 4,147 |
| Cost of funding earning assets | 1.1836% | 2,685 |
| Net interest margin | 3.6027% | 4,710 |
| Noninterest income to average assets | 0.8849% | 1,695 |
| Noninterest expense to average assets | 4.3912% | 671 |
| Loan and lease loss provision to assets | 1.8173% | 364 |
| Net operating income to assets | -2.2882% | 7,238 |
| Return on assets (ROA) | -2.2763% | 7,242 |
| Pretax return on assets | -2.2763% | 7,215 |
| Return on Equity (ROE) | -17.4532% | 7,125 |
| Retained earnings to average equity (ytd only) | -17.4532% | 7,106 |
| Net charge-offs to loans | 1.6139% | 907 |
| Credit loss provision to net charge-offs | 171.1083% | 1,768 |
| Earnings coverage of net charge-offs (x) | -0.4433% | 5,508 |
| Efficiency ratio | 112.0108% | 444 |
| Assets per employee ($millions) | 3.9066% | 3,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7748% | 1,099 |
| Loan loss allowance to noncurrent loans | 145.7933% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 8.1719% | 553 |
| Noncurrent loans to loans | 1.9032% | 3,604 |
| Net loans and leases to total assets | 62.5899% | 3,774 |
| Net loans and leases to deposits | 79.0228% | 2,960 |
| Net loans and leases to core deposits | 83.7313% | 3,251 |
| Total domestic deposits to total assets | 79.2049% | 6,032 |
| Equity capital to assets | 12.9365% | 1,548 |
| Core capital (leverage) ratio | 12.5015% | 1,358 |
| Tier 1 risk-based capital ratio | 16.3283% | 2,819 |
| Total risk-based capital ratio | 17.5909% | 2,784 |
| Memoranda: | ||
| Average total assets | $151,210,330 | 3,828 |
| Average earning assets | $127,403,670 | 4,038 |
| Average equity | $19,721,330 | 3,165 |
| Average total loans | $99,512,670 | 3,699 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9130% | 3,529 |
| Cost of funding earning assets | 1.2199% | 2,685 |
| Net interest margin | 3.6932% | 4,143 |
| Noninterest income to average assets | 2.8109% | 238 |
| Noninterest expense to average assets | 4.7572% | 446 |
| Loan and lease loss provision to assets | 1.4857% | 436 |
| Net operating income to assets | -0.2977% | 6,659 |
| Return on assets (ROA) | -0.2744% | 6,649 |
| Pretax return on assets | -0.2744% | 6,601 |
| Return on Equity (ROE) | -2.0956% | 6,594 |
| Retained earnings to average equity (ytd only) | -2.0956% | 6,161 |
| Net charge-offs to loans | 3.2197% | 326 |
| Credit loss provision to net charge-offs | 69.4075% | 3,364 |
| Earnings coverage of net charge-offs (x) | 0.5550% | 4,203 |
| Efficiency ratio | 80.0174% | 2,529 |
| Assets per employee ($millions) | 4.3581% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8344% | 2,907 |
| Loan loss allowance to noncurrent loans | 52.5403% | 4,861 |
| Noncurrent assets plus other real estate owned to assets | 9.3304% | 460 |
| Noncurrent loans to loans | 3.4914% | 2,134 |
| Net loans and leases to total assets | 61.6767% | 3,929 |
| Net loans and leases to deposits | 77.7119% | 3,112 |
| Net loans and leases to core deposits | 82.0631% | 3,446 |
| Total domestic deposits to total assets | 79.3659% | 6,102 |
| Equity capital to assets | 13.2344% | 1,287 |
| Core capital (leverage) ratio | 13.1608% | 1,075 |
| Tier 1 risk-based capital ratio | 16.4389% | 2,690 |
| Total risk-based capital ratio | 17.6909% | 2,665 |
| Memoranda: | ||
| Average total assets | $154,543,500 | 3,800 |
| Average earning assets | $131,161,000 | 3,998 |
| Average equity | $20,232,500 | 3,077 |
| Average total loans | $102,743,000 | 3,648 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0789% | 4,189 |
| Cost of funding earning assets | 1.5256% | 2,498 |
| Net interest margin | 3.5534% | 5,027 |
| Noninterest income to average assets | 1.1620% | 1,091 |
| Noninterest expense to average assets | 3.9098% | 1,305 |
| Loan and lease loss provision to assets | 0.5585% | 2,890 |
| Net operating income to assets | -0.1273% | 6,021 |
| Return on assets (ROA) | -0.1379% | 6,091 |
| Pretax return on assets | -0.1379% | 6,031 |
| Return on Equity (ROE) | -1.0781% | 6,069 |
| Retained earnings to average equity (ytd only) | -1.0781% | 5,814 |
| Net charge-offs to loans | 0.4738% | 3,722 |
| Credit loss provision to net charge-offs | 159.5365% | 2,194 |
| Earnings coverage of net charge-offs (x) | 1.2317% | 4,873 |
| Efficiency ratio | 90.0661% | 1,321 |
| Assets per employee ($millions) | 4.3487% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8340% | 2,742 |
| Loan loss allowance to noncurrent loans | 22.6873% | 6,708 |
| Noncurrent assets plus other real estate owned to assets | 11.1272% | 339 |
| Noncurrent loans to loans | 8.0839% | 636 |
| Net loans and leases to total assets | 68.7556% | 2,799 |
| Net loans and leases to deposits | 84.6358% | 2,351 |
| Net loans and leases to core deposits | 89.9202% | 2,778 |
| Total domestic deposits to total assets | 81.2370% | 5,440 |
| Equity capital to assets | 12.9528% | 1,410 |
| Core capital (leverage) ratio | 12.8217% | 1,188 |
| Tier 1 risk-based capital ratio | 15.3019% | 3,099 |
| Total risk-based capital ratio | 16.5555% | 3,056 |
| Memoranda: | ||
| Average total assets | $160,239,000 | 3,692 |
| Average earning assets | $143,356,600 | 3,751 |
| Average equity | $20,498,200 | 3,074 |
| Average total loans | $118,400,400 | 3,348 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1873% | 3,898 |
| Cost of funding earning assets | 1.5698% | 2,550 |
| Net interest margin | 3.6175% | 4,800 |
| Noninterest income to average assets | 1.2013% | 967 |
| Noninterest expense to average assets | 3.7386% | 1,498 |
| Loan and lease loss provision to assets | 0.4674% | 3,134 |
| Net operating income to assets | 0.2573% | 5,324 |
| Return on assets (ROA) | 0.2432% | 5,534 |
| Pretax return on assets | 0.2432% | 5,629 |
| Return on Equity (ROE) | 1.9072% | 5,640 |
| Retained earnings to average equity (ytd only) | 1.9072% | 5,003 |
| Net charge-offs to loans | 0.6258% | 2,868 |
| Credit loss provision to net charge-offs | 99.8233% | 4,371 |
| Earnings coverage of net charge-offs (x) | 1.5477% | 4,565 |
| Efficiency ratio | 83.7627% | 1,860 |
| Assets per employee ($millions) | 4.5368% | 2,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4957% | 3,986 |
| Loan loss allowance to noncurrent loans | 20.5317% | 6,890 |
| Noncurrent assets plus other real estate owned to assets | 7.3582% | 721 |
| Noncurrent loans to loans | 7.2846% | 746 |
| Net loans and leases to total assets | 69.5153% | 2,846 |
| Net loans and leases to deposits | 87.3165% | 2,108 |
| Net loans and leases to core deposits | 92.8079% | 2,686 |
| Total domestic deposits to total assets | 79.6131% | 5,832 |
| Equity capital to assets | 13.1244% | 1,517 |
| Core capital (leverage) ratio | 12.9449% | 1,253 |
| Tier 1 risk-based capital ratio | 15.7790% | 2,868 |
| Total risk-based capital ratio | 17.0016% | 2,839 |
| Memoranda: | ||
| Average total assets | $161,160,500 | 3,735 |
| Average earning assets | $145,326,750 | 3,761 |
| Average equity | $20,553,250 | 3,110 |
| Average total loans | $120,588,000 | 3,358 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4384% | 2,805 |
| Cost of funding earning assets | 1.6011% | 2,648 |
| Net interest margin | 3.8372% | 3,724 |
| Noninterest income to average assets | 0.9386% | 1,551 |
| Noninterest expense to average assets | 3.7962% | 1,364 |
| Loan and lease loss provision to assets | 0.3581% | 3,563 |
| Net operating income to assets | 0.2470% | 5,389 |
| Return on assets (ROA) | 0.2260% | 5,608 |
| Pretax return on assets | 0.2260% | 5,713 |
| Return on Equity (ROE) | 1.7891% | 5,697 |
| Retained earnings to average equity (ytd only) | 1.7891% | 4,968 |
| Net charge-offs to loans | 0.3937% | 3,400 |
| Credit loss provision to net charge-offs | 119.3416% | 3,409 |
| Earnings coverage of net charge-offs (x) | 2.0165% | 4,014 |
| Efficiency ratio | 86.2514% | 1,678 |
| Assets per employee ($millions) | 4.6026% | 2,722 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4425% | 4,218 |
| Loan loss allowance to noncurrent loans | 862.0000% | 393 |
| Noncurrent assets plus other real estate owned to assets | 2.3614% | 3,062 |
| Noncurrent loans to loans | 0.1673% | 6,926 |
| Net loans and leases to total assets | 73.1226% | 2,136 |
| Net loans and leases to deposits | 92.9393% | 1,395 |
| Net loans and leases to core deposits | 99.5529% | 2,067 |
| Total domestic deposits to total assets | 78.6779% | 6,114 |
| Equity capital to assets | 12.8362% | 1,637 |
| Core capital (leverage) ratio | 12.8409% | 1,261 |
| Tier 1 risk-based capital ratio | 15.4450% | 2,927 |
| Total risk-based capital ratio | 16.6952% | 2,889 |
| Memoranda: | ||
| Average total assets | $161,951,330 | 3,746 |
| Average earning assets | $146,146,670 | 3,779 |
| Average equity | $20,457,670 | 3,114 |
| Average total loans | $123,431,330 | 3,336 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3991% | 3,039 |
| Cost of funding earning assets | 1.6363% | 2,731 |
| Net interest margin | 3.7627% | 3,948 |
| Noninterest income to average assets | 0.3843% | 5,052 |
| Noninterest expense to average assets | 3.7147% | 1,491 |
| Loan and lease loss provision to assets | 0.4804% | 2,580 |
| Net operating income to assets | -0.4065% | 6,765 |
| Return on assets (ROA) | -0.4483% | 6,833 |
| Pretax return on assets | -0.4483% | 6,752 |
| Return on Equity (ROE) | -3.5778% | 6,787 |
| Retained earnings to average equity (ytd only) | -3.5778% | 6,443 |
| Net charge-offs to loans | 0.0606% | 4,808 |
| Credit loss provision to net charge-offs | 1,026.3158% | 451 |
| Earnings coverage of net charge-offs (x) | 1.5789% | 3,781 |
| Efficiency ratio | 98.0494% | 920 |
| Assets per employee ($millions) | 4.3571% | 3,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4627% | 4,115 |
| Loan loss allowance to noncurrent loans | 53.9133% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 2.2571% | 3,204 |
| Noncurrent loans to loans | 2.7131% | 2,951 |
| Net loans and leases to total assets | 75.3933% | 1,661 |
| Net loans and leases to deposits | 95.8041% | 1,132 |
| Net loans and leases to core deposits | 106.4440% | 1,540 |
| Total domestic deposits to total assets | 78.6953% | 6,153 |
| Equity capital to assets | 12.2366% | 1,910 |
| Core capital (leverage) ratio | 12.8206% | 1,285 |
| Tier 1 risk-based capital ratio | 15.0352% | 3,107 |
| Total risk-based capital ratio | 16.2867% | 3,062 |
| Memoranda: | ||
| Average total assets | $162,381,500 | 3,794 |
| Average earning assets | $146,914,500 | 3,819 |
| Average equity | $20,347,500 | 3,162 |
| Average total loans | $125,388,000 | 3,362 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5108% | 4,091 |
| Cost of funding earning assets | 2.1987% | 2,041 |
| Net interest margin | 3.3122% | 5,697 |
| Noninterest income to average assets | 1.0263% | 1,483 |
| Noninterest expense to average assets | 3.8183% | 1,664 |
| Loan and lease loss provision to assets | 0.7154% | 2,969 |
| Net operating income to assets | -0.4786% | 6,155 |
| Return on assets (ROA) | -0.4058% | 6,080 |
| Pretax return on assets | -0.4058% | 5,924 |
| Return on Equity (ROE) | -3.1917% | 6,015 |
| Retained earnings to average equity (ytd only) | -3.1917% | 5,736 |
| Net charge-offs to loans | 0.3058% | 4,718 |
| Credit loss provision to net charge-offs | 282.9268% | 1,192 |
| Earnings coverage of net charge-offs (x) | 0.9366% | 5,174 |
| Efficiency ratio | 94.1597% | 1,403 |
| Assets per employee ($millions) | 4.1893% | 3,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3514% | 4,470 |
| Loan loss allowance to noncurrent loans | 48.7926% | 5,131 |
| Noncurrent assets plus other real estate owned to assets | 2.3475% | 2,954 |
| Noncurrent loans to loans | 2.7697% | 2,789 |
| Net loans and leases to total assets | 76.8986% | 1,608 |
| Net loans and leases to deposits | 98.7266% | 1,031 |
| Net loans and leases to core deposits | 156.4187% | 388 |
| Total domestic deposits to total assets | 77.8905% | 6,246 |
| Equity capital to assets | 12.8365% | 1,575 |
| Core capital (leverage) ratio | 12.5008% | 1,456 |
| Tier 1 risk-based capital ratio | 15.1484% | 2,868 |
| Total risk-based capital ratio | 16.3947% | 2,828 |
| Memoranda: | ||
| Average total assets | $162,138,800 | 3,725 |
| Average earning assets | $148,272,000 | 3,744 |
| Average equity | $20,615,800 | 3,120 |
| Average total loans | $134,071,600 | 3,189 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5380% | 4,227 |
| Cost of funding earning assets | 2.2812% | 2,060 |
| Net interest margin | 3.2567% | 5,805 |
| Noninterest income to average assets | 0.9021% | 1,973 |
| Noninterest expense to average assets | 3.6870% | 1,850 |
| Loan and lease loss provision to assets | 0.7531% | 2,489 |
| Net operating income to assets | -0.5591% | 6,486 |
| Return on assets (ROA) | -0.4871% | 6,414 |
| Pretax return on assets | -0.4871% | 6,277 |
| Return on Equity (ROE) | -3.8396% | 6,325 |
| Retained earnings to average equity (ytd only) | -3.8396% | 6,084 |
| Net charge-offs to loans | 0.3075% | 4,112 |
| Credit loss provision to net charge-offs | 292.0635% | 1,423 |
| Earnings coverage of net charge-offs (x) | 0.7524% | 5,291 |
| Efficiency ratio | 95.0011% | 1,330 |
| Assets per employee ($millions) | 4.0776% | 3,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1066% | 5,681 |
| Loan loss allowance to noncurrent loans | 330.1724% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.4666% | 6,299 |
| Noncurrent loans to loans | 0.3352% | 6,688 |
| Net loans and leases to total assets | 81.8903% | 827 |
| Net loans and leases to deposits | 103.8694% | 785 |
| Net loans and leases to core deposits | 164.4702% | 327 |
| Total domestic deposits to total assets | 78.8397% | 5,857 |
| Equity capital to assets | 12.2783% | 2,081 |
| Core capital (leverage) ratio | 12.2510% | 1,686 |
| Tier 1 risk-based capital ratio | 13.7050% | 3,709 |
| Total risk-based capital ratio | 14.7332% | 3,797 |
| Memoranda: | ||
| Average total assets | $162,875,000 | 3,745 |
| Average earning assets | $148,979,750 | 3,743 |
| Average equity | $20,661,000 | 3,143 |
| Average total loans | $136,565,750 | 3,185 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5248% | 4,480 |
| Cost of funding earning assets | 2.3966% | 1,980 |
| Net interest margin | 3.1282% | 6,158 |
| Noninterest income to average assets | 0.6479% | 3,357 |
| Noninterest expense to average assets | 3.3982% | 2,636 |
| Loan and lease loss provision to assets | 0.7185% | 2,279 |
| Net operating income to assets | -0.6033% | 6,661 |
| Return on assets (ROA) | -0.5736% | 6,635 |
| Pretax return on assets | -0.5736% | 6,501 |
| Return on Equity (ROE) | -4.4722% | 6,545 |
| Retained earnings to average equity (ytd only) | -4.4722% | 6,218 |
| Net charge-offs to loans | 0.4575% | 2,999 |
| Credit loss provision to net charge-offs | 186.4952% | 2,460 |
| Earnings coverage of net charge-offs (x) | 0.2990% | 5,374 |
| Efficiency ratio | 96.7207% | 1,328 |
| Assets per employee ($millions) | 4.1144% | 3,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8656% | 6,918 |
| Loan loss allowance to noncurrent loans | 256.6524% | 1,207 |
| Noncurrent assets plus other real estate owned to assets | 0.6912% | 5,680 |
| Noncurrent loans to loans | 0.3373% | 6,669 |
| Net loans and leases to total assets | 81.2017% | 1,098 |
| Net loans and leases to deposits | 102.6014% | 1,028 |
| Net loans and leases to core deposits | 162.4044% | 412 |
| Total domestic deposits to total assets | 79.1429% | 5,770 |
| Equity capital to assets | 12.1892% | 2,099 |
| Core capital (leverage) ratio | 12.1969% | 1,750 |
| Tier 1 risk-based capital ratio | 13.3209% | 3,925 |
| Total risk-based capital ratio | 14.0971% | 4,165 |
| Memoranda: | ||
| Average total assets | $161,439,670 | 3,796 |
| Average earning assets | $147,879,000 | 3,782 |
| Average equity | $20,705,670 | 3,144 |
| Average total loans | $135,942,000 | 3,230 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2621% | 6,061 |
| Cost of funding earning assets | 2.4545% | 2,091 |
| Net interest margin | 2.8075% | 6,978 |
| Noninterest income to average assets | 0.4360% | 4,906 |
| Noninterest expense to average assets | 3.1049% | 3,355 |
| Loan and lease loss provision to assets | 1.1583% | 1,122 |
| Net operating income to assets | -1.2470% | 7,391 |
| Return on assets (ROA) | -1.1938% | 7,376 |
| Pretax return on assets | -1.1938% | 7,254 |
| Return on Equity (ROE) | -9.0675% | 7,303 |
| Retained earnings to average equity (ytd only) | -9.0675% | 7,020 |
| Net charge-offs to loans | 0.1483% | 3,774 |
| Credit loss provision to net charge-offs | 914.0000% | 675 |
| Earnings coverage of net charge-offs (x) | -0.7000% | 5,302 |
| Efficiency ratio | 102.9412% | 1,018 |
| Assets per employee ($millions) | 4.3408% | 2,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9801% | 6,307 |
| Loan loss allowance to noncurrent loans | 156.7568% | 2,069 |
| Noncurrent assets plus other real estate owned to assets | 0.5159% | 5,923 |
| Noncurrent loans to loans | 0.6253% | 5,836 |
| Net loans and leases to total assets | 81.7037% | 1,059 |
| Net loans and leases to deposits | 103.7642% | 1,024 |
| Net loans and leases to core deposits | 160.7325% | 482 |
| Total domestic deposits to total assets | 78.7397% | 5,812 |
| Equity capital to assets | 12.4661% | 1,994 |
| Core capital (leverage) ratio | 12.8070% | 1,557 |
| Tier 1 risk-based capital ratio | 13.4457% | 3,899 |
| Total risk-based capital ratio | 14.3206% | 4,056 |
| Memoranda: | ||
| Average total assets | $157,814,000 | 3,868 |
| Average earning assets | $145,038,500 | 3,856 |
| Average equity | $20,777,500 | 3,141 |
| Average total loans | $134,825,000 | 3,275 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8816% | 6,130 |
| Cost of funding earning assets | 2.7224% | 3,051 |
| Net interest margin | 3.1591% | 6,496 |
| Noninterest income to average assets | 0.4296% | 5,217 |
| Noninterest expense to average assets | 3.9211% | 1,528 |
| Loan and lease loss provision to assets | 0.5841% | 2,485 |
| Net operating income to assets | -1.2484% | 7,368 |
| Return on assets (ROA) | -1.1914% | 7,280 |
| Pretax return on assets | -1.1914% | 7,112 |
| Return on Equity (ROE) | -6.4576% | 6,994 |
| Retained earnings to average equity (ytd only) | -6.4576% | 6,716 |
| Net charge-offs to loans | 0.1311% | 4,916 |
| Credit loss provision to net charge-offs | 564.1667% | 777 |
| Earnings coverage of net charge-offs (x) | -6.4167% | 6,861 |
| Efficiency ratio | 120.3974% | 567 |
| Assets per employee ($millions) | 4.5660% | 2,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6941% | 7,445 |
| Loan loss allowance to noncurrent loans | 936.3636% | 513 |
| Noncurrent assets plus other real estate owned to assets | 0.0657% | 7,300 |
| Noncurrent loans to loans | 0.0741% | 7,205 |
| Net loans and leases to total assets | 88.0148% | 367 |
| Net loans and leases to deposits | 129.4415% | 220 |
| Net loans and leases to core deposits | 184.3760% | 247 |
| Total domestic deposits to total assets | 67.9958% | 7,471 |
| Equity capital to assets | 13.9318% | 1,447 |
| Core capital (leverage) ratio | 15.0883% | 1,010 |
| Tier 1 risk-based capital ratio | 13.6297% | 3,738 |
| Total risk-based capital ratio | 14.2329% | 4,037 |
| Memoranda: | ||
| Average total assets | $115,912,000 | 4,612 |
| Average earning assets | $103,730,800 | 4,691 |
| Average equity | $21,385,800 | 3,053 |
| Average total loans | $91,553,800 | 4,174 |