Home > WestSide Bank > Performance and Condition Ratios
WestSide Bank, Performance and Condition Ratios
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6388% | 1,019 |
| Cost of funding earning assets | 0.2508% | 4,370 |
| Net interest margin | 4.3880% | 417 |
| Noninterest income to average assets | 0.4450% | 2,889 |
| Noninterest expense to average assets | 3.0352% | 1,361 |
| Loan and lease loss provision to assets | 0.1948% | 2,010 |
| Net operating income to assets | 0.7877% | 3,144 |
| Return on assets (ROA) | 0.7877% | 3,263 |
| Pretax return on assets | 1.0708% | 2,811 |
| Return on Equity (ROE) | 7.3422% | 3,053 |
| Retained earnings to average equity (ytd only) | 7.3422% | 1,264 |
| Net charge-offs to loans | -0.1272% | 4,847 |
| Credit loss provision to net charge-offs | -260.1626% | 3,836 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5732% | 1,873 |
| Assets per employee ($millions) | 7.0746% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,731 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4639% | 1,716 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8780% | 1,137 |
| Noncurrent loans to loans | 0.0000% | 4,420 |
| Net loans and leases to total assets | 55.0429% | 3,384 |
| Net loans and leases to deposits | 63.4740% | 3,478 |
| Net loans and leases to core deposits | 65.3338% | 3,597 |
| Total domestic deposits to total assets | 86.7171% | 2,070 |
| Equity capital to assets | 9.6512% | 3,455 |
| Core capital (leverage) ratio | 8.7158% | 3,994 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $164,273,400 | 3,249 |
| Average earning assets | $144,347,400 | 3,330 |
| Average equity | $17,624,200 | 3,408 |
| Average total loans | $96,701,800 | 3,281 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8459% | 812 |
| Cost of funding earning assets | 0.2784% | 4,395 |
| Net interest margin | 4.5675% | 333 |
| Noninterest income to average assets | 0.4383% | 2,894 |
| Noninterest expense to average assets | 3.0983% | 1,243 |
| Loan and lease loss provision to assets | 0.2710% | 1,496 |
| Net operating income to assets | 0.7648% | 3,226 |
| Return on assets (ROA) | 0.7648% | 3,343 |
| Pretax return on assets | 1.0398% | 2,938 |
| Return on Equity (ROE) | 6.9185% | 3,229 |
| Retained earnings to average equity (ytd only) | 6.9185% | 1,735 |
| Net charge-offs to loans | -0.1741% | 4,908 |
| Credit loss provision to net charge-offs | -260.1626% | 3,683 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2744% | 1,848 |
| Assets per employee ($millions) | 6.8484% | 1,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4598% | 1,502 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.1909% | 850 |
| Noncurrent loans to loans | 0.0000% | 4,475 |
| Net loans and leases to total assets | 57.0236% | 3,520 |
| Net loans and leases to deposits | 67.5832% | 3,502 |
| Net loans and leases to core deposits | 69.6125% | 3,648 |
| Total domestic deposits to total assets | 84.3753% | 2,685 |
| Equity capital to assets | 9.7568% | 3,474 |
| Core capital (leverage) ratio | 8.9490% | 3,815 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $157,588,500 | 3,296 |
| Average earning assets | $136,993,500 | 3,400 |
| Average equity | $17,421,500 | 3,429 |
| Average total loans | $94,202,000 | 3,345 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1207% | 665 |
| Cost of funding earning assets | 0.3122% | 4,433 |
| Net interest margin | 4.8084% | 279 |
| Noninterest income to average assets | 0.4256% | 2,937 |
| Noninterest expense to average assets | 3.3256% | 951 |
| Loan and lease loss provision to assets | 0.4162% | 952 |
| Net operating income to assets | 0.6129% | 3,693 |
| Return on assets (ROA) | 0.6129% | 3,771 |
| Pretax return on assets | 0.8324% | 3,502 |
| Return on Equity (ROE) | 5.2861% | 3,751 |
| Retained earnings to average equity (ytd only) | 5.2861% | 2,353 |
| Net charge-offs to loans | -0.2735% | 4,973 |
| Credit loss provision to net charge-offs | -251.2195% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7032% | 1,600 |
| Assets per employee ($millions) | 6.3730% | 1,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5142% | 1,219 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0567% | 335 |
| Noncurrent loans to loans | 0.0000% | 4,537 |
| Net loans and leases to total assets | 58.6270% | 3,456 |
| Net loans and leases to deposits | 70.1271% | 3,408 |
| Net loans and leases to core deposits | 72.9439% | 3,525 |
| Total domestic deposits to total assets | 83.6010% | 2,883 |
| Equity capital to assets | 10.1859% | 3,036 |
| Core capital (leverage) ratio | 9.3494% | 3,525 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $148,482,667 | 3,385 |
| Average earning assets | $128,108,000 | 3,498 |
| Average equity | $17,215,000 | 3,445 |
| Average total loans | $89,935,333 | 3,414 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1540% | 711 |
| Cost of funding earning assets | 0.3740% | 4,448 |
| Net interest margin | 4.7800% | 286 |
| Noninterest income to average assets | 0.4858% | 2,626 |
| Noninterest expense to average assets | 3.6580% | 741 |
| Loan and lease loss provision to assets | 0.1024% | 2,402 |
| Net operating income to assets | 0.5911% | 3,618 |
| Return on assets (ROA) | 0.5911% | 3,674 |
| Pretax return on assets | 0.8018% | 3,410 |
| Return on Equity (ROE) | 4.7365% | 3,727 |
| Retained earnings to average equity (ytd only) | 4.7365% | 2,399 |
| Net charge-offs to loans | -0.5879% | 5,035 |
| Credit loss provision to net charge-offs | -28.4553% | 3,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1796% | 1,123 |
| Assets per employee ($millions) | 5.1158% | 2,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 1,383 |
| Loan loss allowance to noncurrent loans | 823.8710% | 647 |
| Noncurrent assets plus other real estate owned to assets | 2.7272% | 239 |
| Noncurrent loans to loans | 0.1807% | 3,826 |
| Net loans and leases to total assets | 61.1850% | 3,381 |
| Net loans and leases to deposits | 70.1894% | 3,577 |
| Net loans and leases to core deposits | 73.5766% | 3,665 |
| Total domestic deposits to total assets | 87.1712% | 1,479 |
| Equity capital to assets | 12.4176% | 1,782 |
| Core capital (leverage) ratio | 10.3795% | 3,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $136,688,500 | 3,491 |
| Average earning assets | $116,569,500 | 3,618 |
| Average equity | $17,059,000 | 3,466 |
| Average total loans | $83,687,500 | 3,523 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4301% | 626 |
| Cost of funding earning assets | 0.3874% | 4,485 |
| Net interest margin | 5.0427% | 245 |
| Noninterest income to average assets | 0.1475% | 4,751 |
| Noninterest expense to average assets | 3.5731% | 874 |
| Loan and lease loss provision to assets | 0.1430% | 1,492 |
| Net operating income to assets | 3.1308% | 72 |
| Return on assets (ROA) | 3.1308% | 75 |
| Pretax return on assets | 0.6479% | 4,331 |
| Return on Equity (ROE) | 31.0520% | 36 |
| Retained earnings to average equity (ytd only) | 31.0520% | 9 |
| Net charge-offs to loans | 0.2742% | 759 |
| Credit loss provision to net charge-offs | 87.2727% | 2,690 |
| Earnings coverage of net charge-offs (x) | 4.8273% | 3,164 |
| Efficiency ratio | 81.8771% | 805 |
| Assets per employee ($millions) | 5.0093% | 2,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3716% | 1,623 |
| Loan loss allowance to noncurrent loans | 686.5031% | 756 |
| Noncurrent assets plus other real estate owned to assets | 2.8621% | 197 |
| Noncurrent loans to loans | 0.1998% | 3,741 |
| Net loans and leases to total assets | 59.4943% | 3,629 |
| Net loans and leases to deposits | 68.4951% | 3,777 |
| Net loans and leases to core deposits | 72.3387% | 3,838 |
| Total domestic deposits to total assets | 86.8591% | 1,680 |
| Equity capital to assets | 12.5442% | 1,791 |
| Core capital (leverage) ratio | 10.2464% | 3,252 |
| Tier 1 risk-based capital ratio | 15.3044% | 2,653 |
| Total risk-based capital ratio | 16.5548% | 2,583 |
| Memoranda: | ||
| Average total assets | $134,280,400 | 3,514 |
| Average earning assets | $112,282,200 | 3,673 |
| Average equity | $13,538,600 | 3,814 |
| Average total loans | $80,241,400 | 3,599 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4853% | 598 |
| Cost of funding earning assets | 0.3741% | 4,583 |
| Net interest margin | 5.1111% | 225 |
| Noninterest income to average assets | 0.3183% | 3,841 |
| Noninterest expense to average assets | 3.6317% | 817 |
| Loan and lease loss provision to assets | 0.1910% | 937 |
| Net operating income to assets | 0.7490% | 3,855 |
| Return on assets (ROA) | 0.7490% | 3,915 |
| Pretax return on assets | 0.7490% | 4,243 |
| Return on Equity (ROE) | 7.9167% | 3,350 |
| Retained earnings to average equity (ytd only) | 7.9167% | 1,435 |
| Net charge-offs to loans | 0.3671% | 462 |
| Credit loss provision to net charge-offs | 87.2727% | 2,424 |
| Earnings coverage of net charge-offs (x) | 4.2954% | 3,023 |
| Efficiency ratio | 79.4386% | 969 |
| Assets per employee ($millions) | 5.1150% | 2,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3531% | 1,748 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 3.6762% | 123 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 59.0691% | 3,762 |
| Net loans and leases to deposits | 65.9179% | 4,071 |
| Net loans and leases to core deposits | 69.4080% | 4,083 |
| Total domestic deposits to total assets | 89.6102% | 414 |
| Equity capital to assets | 9.8142% | 4,196 |
| Core capital (leverage) ratio | 9.6917% | 3,982 |
| Tier 1 risk-based capital ratio | 14.6127% | 3,023 |
| Total risk-based capital ratio | 15.8382% | 2,959 |
| Memoranda: | ||
| Average total assets | $134,038,000 | 3,551 |
| Average earning assets | $111,544,250 | 3,720 |
| Average equity | $12,681,750 | 3,954 |
| Average total loans | $79,905,500 | 3,645 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5732% | 494 |
| Cost of funding earning assets | 0.3408% | 4,712 |
| Net interest margin | 5.2324% | 185 |
| Noninterest income to average assets | 0.6331% | 2,010 |
| Noninterest expense to average assets | 4.0141% | 530 |
| Loan and lease loss provision to assets | 0.2442% | 635 |
| Net operating income to assets | 0.6557% | 4,146 |
| Return on assets (ROA) | 0.6557% | 4,196 |
| Pretax return on assets | 0.6557% | 4,432 |
| Return on Equity (ROE) | 7.0212% | 3,672 |
| Retained earnings to average equity (ytd only) | 7.0212% | 1,797 |
| Net charge-offs to loans | 0.5571% | 276 |
| Credit loss provision to net charge-offs | 73.6364% | 2,290 |
| Earnings coverage of net charge-offs (x) | 2.7136% | 2,913 |
| Efficiency ratio | 81.6871% | 825 |
| Assets per employee ($millions) | 5.1867% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3873% | 1,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 8.6145% | 21 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 57.3999% | 3,972 |
| Net loans and leases to deposits | 64.2357% | 4,215 |
| Net loans and leases to core deposits | 67.4474% | 4,240 |
| Total domestic deposits to total assets | 89.3581% | 516 |
| Equity capital to assets | 9.7765% | 4,161 |
| Core capital (leverage) ratio | 9.5897% | 4,053 |
| Tier 1 risk-based capital ratio | 13.9831% | 3,326 |
| Total risk-based capital ratio | 15.1522% | 3,271 |
| Memoranda: | ||
| Average total assets | $132,682,000 | 3,587 |
| Average earning assets | $108,555,000 | 3,797 |
| Average equity | $12,391,000 | 3,996 |
| Average total loans | $78,975,000 | 3,681 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5139% | 512 |
| Cost of funding earning assets | 0.2951% | 4,866 |
| Net interest margin | 5.2189% | 197 |
| Noninterest income to average assets | 0.5410% | 2,334 |
| Noninterest expense to average assets | 4.0761% | 481 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7660% | 3,728 |
| Return on assets (ROA) | 0.7660% | 3,773 |
| Pretax return on assets | 0.7660% | 4,128 |
| Return on Equity (ROE) | 8.4039% | 3,078 |
| Retained earnings to average equity (ytd only) | 8.4039% | 1,520 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.1808% | 694 |
| Assets per employee ($millions) | 5.4017% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 1,654 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 8.9364% | 20 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 59.4862% | 3,753 |
| Net loans and leases to deposits | 65.8454% | 4,065 |
| Net loans and leases to core deposits | 69.4091% | 4,110 |
| Total domestic deposits to total assets | 90.3423% | 340 |
| Equity capital to assets | 8.9897% | 4,690 |
| Core capital (leverage) ratio | 9.0690% | 4,602 |
| Tier 1 risk-based capital ratio | 12.6091% | 4,091 |
| Total risk-based capital ratio | 13.8054% | 4,008 |
| Memoranda: | ||
| Average total assets | $131,596,000 | 3,639 |
| Average earning assets | $108,452,500 | 3,839 |
| Average equity | $11,994,500 | 4,053 |
| Average total loans | $79,215,000 | 3,712 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3857% | 492 |
| Cost of funding earning assets | 0.2656% | 4,734 |
| Net interest margin | 5.1201% | 215 |
| Noninterest income to average assets | 0.6524% | 2,040 |
| Noninterest expense to average assets | 3.9017% | 598 |
| Loan and lease loss provision to assets | 0.1199% | 1,845 |
| Net operating income to assets | 0.8075% | 3,775 |
| Return on assets (ROA) | 0.8035% | 3,795 |
| Pretax return on assets | 0.8035% | 4,159 |
| Return on Equity (ROE) | 8.8607% | 3,060 |
| Retained earnings to average equity (ytd only) | 8.8607% | 920 |
| Net charge-offs to loans | 0.1103% | 1,644 |
| Credit loss provision to net charge-offs | 176.4706% | 1,598 |
| Earnings coverage of net charge-offs (x) | 13.6471% | 2,437 |
| Efficiency ratio | 80.7947% | 890 |
| Assets per employee ($millions) | 5.1260% | 2,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4906% | 1,324 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 9.4172% | 16 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 59.1530% | 3,851 |
| Net loans and leases to deposits | 65.5579% | 4,152 |
| Net loans and leases to core deposits | 69.2888% | 4,147 |
| Total domestic deposits to total assets | 90.2301% | 405 |
| Equity capital to assets | 9.2463% | 4,370 |
| Core capital (leverage) ratio | 9.0281% | 4,628 |
| Tier 1 risk-based capital ratio | 12.9065% | 3,898 |
| Total risk-based capital ratio | 14.1571% | 3,788 |
| Memoranda: | ||
| Average total assets | $125,073,400 | 3,716 |
| Average earning assets | $102,029,800 | 3,950 |
| Average equity | $11,342,200 | 4,113 |
| Average total loans | $77,049,400 | 3,724 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3722% | 455 |
| Cost of funding earning assets | 0.2514% | 4,776 |
| Net interest margin | 5.1208% | 208 |
| Noninterest income to average assets | 0.3465% | 3,826 |
| Noninterest expense to average assets | 3.5396% | 932 |
| Loan and lease loss provision to assets | 0.1609% | 1,199 |
| Net operating income to assets | 0.8184% | 3,848 |
| Return on assets (ROA) | 0.8130% | 3,873 |
| Pretax return on assets | 0.8130% | 4,260 |
| Return on Equity (ROE) | 9.0111% | 3,079 |
| Retained earnings to average equity (ytd only) | 9.0111% | 1,214 |
| Net charge-offs to loans | 0.1470% | 1,124 |
| Credit loss provision to net charge-offs | 176.4706% | 1,522 |
| Earnings coverage of net charge-offs (x) | 10.7412% | 2,565 |
| Efficiency ratio | 78.3290% | 1,088 |
| Assets per employee ($millions) | 5.3099% | 2,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4669% | 1,465 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 10.2144% | 18 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 60.4561% | 3,797 |
| Net loans and leases to deposits | 66.8663% | 4,139 |
| Net loans and leases to core deposits | 71.4701% | 4,109 |
| Total domestic deposits to total assets | 90.4134% | 375 |
| Equity capital to assets | 9.0664% | 4,487 |
| Core capital (leverage) ratio | 9.1307% | 4,585 |
| Tier 1 risk-based capital ratio | 12.2173% | 4,367 |
| Total risk-based capital ratio | 13.4262% | 4,293 |
| Memoranda: | ||
| Average total assets | $124,304,500 | 3,762 |
| Average earning assets | $101,284,500 | 3,993 |
| Average equity | $11,215,500 | 4,171 |
| Average total loans | $77,074,000 | 3,758 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3155% | 454 |
| Cost of funding earning assets | 0.2373% | 4,820 |
| Net interest margin | 5.0782% | 217 |
| Noninterest income to average assets | 0.2385% | 4,585 |
| Noninterest expense to average assets | 3.4155% | 1,119 |
| Loan and lease loss provision to assets | 0.2434% | 639 |
| Net operating income to assets | 0.7464% | 4,046 |
| Return on assets (ROA) | 0.7464% | 4,047 |
| Pretax return on assets | 0.7464% | 4,401 |
| Return on Equity (ROE) | 8.2863% | 3,365 |
| Retained earnings to average equity (ytd only) | 8.2863% | 1,496 |
| Net charge-offs to loans | 0.2216% | 720 |
| Credit loss provision to net charge-offs | 176.4706% | 1,411 |
| Earnings coverage of net charge-offs (x) | 7.1765% | 2,567 |
| Efficiency ratio | 77.5322% | 1,244 |
| Assets per employee ($millions) | 5.4483% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4814% | 1,456 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 10.4516% | 17 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 60.8725% | 3,719 |
| Net loans and leases to deposits | 67.2918% | 4,075 |
| Net loans and leases to core deposits | 72.1966% | 3,995 |
| Total domestic deposits to total assets | 90.4605% | 410 |
| Equity capital to assets | 9.0136% | 4,549 |
| Core capital (leverage) ratio | 9.0092% | 4,679 |
| Tier 1 risk-based capital ratio | 11.9673% | 4,523 |
| Total risk-based capital ratio | 13.1829% | 4,416 |
| Memoranda: | ||
| Average total assets | $123,260,000 | 3,803 |
| Average earning assets | $101,139,000 | 4,031 |
| Average equity | $11,102,670 | 4,218 |
| Average total loans | $76,701,670 | 3,787 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4215% | 321 |
| Cost of funding earning assets | 0.2328% | 4,816 |
| Net interest margin | 5.1887% | 162 |
| Noninterest income to average assets | -0.1898% | 5,596 |
| Noninterest expense to average assets | 3.2266% | 1,512 |
| Loan and lease loss provision to assets | 0.2029% | 820 |
| Net operating income to assets | 0.6839% | 4,159 |
| Return on assets (ROA) | 0.6839% | 4,162 |
| Pretax return on assets | 0.6839% | 4,491 |
| Return on Equity (ROE) | 7.5955% | 3,539 |
| Retained earnings to average equity (ytd only) | 7.5955% | 1,992 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4407% | 1,313 |
| Assets per employee ($millions) | 5.3032% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4813% | 1,529 |
| Loan loss allowance to noncurrent loans | 28.5145% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 11.1197% | 15 |
| Noncurrent loans to loans | 5.1950% | 137 |
| Net loans and leases to total assets | 62.3777% | 3,504 |
| Net loans and leases to deposits | 68.8892% | 3,885 |
| Net loans and leases to core deposits | 74.4025% | 3,787 |
| Total domestic deposits to total assets | 90.5479% | 458 |
| Equity capital to assets | 9.0848% | 4,471 |
| Core capital (leverage) ratio | 8.9648% | 4,712 |
| Tier 1 risk-based capital ratio | 11.9140% | 4,595 |
| Total risk-based capital ratio | 13.1483% | 4,503 |
| Memoranda: | ||
| Average total assets | $122,234,500 | 3,862 |
| Average earning assets | $101,375,000 | 4,074 |
| Average equity | $11,006,500 | 4,273 |
| Average total loans | $76,339,000 | 3,827 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 1,412 |
| Cost of funding earning assets | 0.2432% | 4,618 |
| Net interest margin | 4.3616% | 838 |
| Noninterest income to average assets | -0.0243% | 5,634 |
| Noninterest expense to average assets | 3.2770% | 1,420 |
| Loan and lease loss provision to assets | 0.1134% | 2,007 |
| Net operating income to assets | 0.1004% | 5,257 |
| Return on assets (ROA) | 0.1004% | 5,264 |
| Pretax return on assets | 0.1004% | 5,376 |
| Return on Equity (ROE) | 1.1377% | 5,216 |
| Retained earnings to average equity (ytd only) | 1.1377% | 4,572 |
| Net charge-offs to loans | 0.0788% | 2,316 |
| Credit loss provision to net charge-offs | 250.0000% | 1,099 |
| Earnings coverage of net charge-offs (x) | 4.7143% | 3,422 |
| Efficiency ratio | 93.8747% | 298 |
| Assets per employee ($millions) | 5.5680% | 1,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4341% | 1,638 |
| Loan loss allowance to noncurrent loans | 26.5066% | 4,900 |
| Noncurrent assets plus other real estate owned to assets | 12.2135% | 13 |
| Noncurrent loans to loans | 5.4102% | 115 |
| Net loans and leases to total assets | 60.7106% | 3,765 |
| Net loans and leases to deposits | 66.9747% | 4,106 |
| Net loans and leases to core deposits | 72.5181% | 4,011 |
| Total domestic deposits to total assets | 90.6470% | 352 |
| Equity capital to assets | 8.9244% | 4,795 |
| Core capital (leverage) ratio | 8.5646% | 5,079 |
| Tier 1 risk-based capital ratio | 11.6568% | 4,748 |
| Total risk-based capital ratio | 12.8211% | 4,703 |
| Memoranda: | ||
| Average total assets | $123,467,200 | 3,845 |
| Average earning assets | $99,505,600 | 4,108 |
| Average equity | $10,899,600 | 4,318 |
| Average total loans | $71,028,000 | 3,937 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5680% | 1,455 |
| Cost of funding earning assets | 0.2450% | 4,610 |
| Net interest margin | 4.3231% | 871 |
| Noninterest income to average assets | -0.1929% | 5,721 |
| Noninterest expense to average assets | 3.1816% | 1,598 |
| Loan and lease loss provision to assets | 0.0808% | 2,473 |
| Net operating income to assets | 0.0065% | 5,508 |
| Return on assets (ROA) | 0.0065% | 5,515 |
| Pretax return on assets | 0.0065% | 5,506 |
| Return on Equity (ROE) | 0.0735% | 5,511 |
| Retained earnings to average equity (ytd only) | 0.0735% | 5,190 |
| Net charge-offs to loans | 0.1068% | 1,717 |
| Credit loss provision to net charge-offs | 133.9286% | 1,837 |
| Earnings coverage of net charge-offs (x) | 1.4466% | 3,572 |
| Efficiency ratio | 97.3294% | 217 |
| Assets per employee ($millions) | 5.8515% | 1,606 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3895% | 1,935 |
| Loan loss allowance to noncurrent loans | 21.4784% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 12.8979% | 14 |
| Noncurrent loans to loans | 6.4692% | 86 |
| Net loans and leases to total assets | 56.0660% | 4,230 |
| Net loans and leases to deposits | 61.5610% | 4,554 |
| Net loans and leases to core deposits | 66.2420% | 4,467 |
| Total domestic deposits to total assets | 91.0738% | 172 |
| Equity capital to assets | 8.4306% | 5,328 |
| Core capital (leverage) ratio | 8.1267% | 5,463 |
| Tier 1 risk-based capital ratio | 11.4396% | 4,994 |
| Total risk-based capital ratio | 12.5349% | 4,978 |
| Memoranda: | ||
| Average total assets | $123,710,000 | 3,879 |
| Average earning assets | $99,062,500 | 4,157 |
| Average equity | $10,891,500 | 4,360 |
| Average total loans | $69,922,500 | 3,997 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5281% | 1,443 |
| Cost of funding earning assets | 0.2466% | 4,569 |
| Net interest margin | 4.2814% | 909 |
| Noninterest income to average assets | 0.5195% | 2,900 |
| Noninterest expense to average assets | 3.6088% | 862 |
| Loan and lease loss provision to assets | 0.1229% | 1,682 |
| Net operating income to assets | 0.2016% | 5,396 |
| Return on assets (ROA) | 0.2016% | 5,408 |
| Pretax return on assets | 0.2016% | 5,429 |
| Return on Equity (ROE) | 2.2560% | 5,293 |
| Retained earnings to average equity (ytd only) | 2.2560% | 4,325 |
| Net charge-offs to loans | 0.0349% | 2,492 |
| Credit loss provision to net charge-offs | 625.0000% | 545 |
| Earnings coverage of net charge-offs (x) | 16.5000% | 1,978 |
| Efficiency ratio | 91.7500% | 371 |
| Assets per employee ($millions) | 5.7614% | 1,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5037% | 1,566 |
| Loan loss allowance to noncurrent loans | 59.7410% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 12.0457% | 18 |
| Noncurrent loans to loans | 2.5170% | 592 |
| Net loans and leases to total assets | 54.8311% | 4,330 |
| Net loans and leases to deposits | 60.3557% | 4,600 |
| Net loans and leases to core deposits | 65.4959% | 4,507 |
| Total domestic deposits to total assets | 90.8466% | 257 |
| Equity capital to assets | 8.6832% | 5,160 |
| Core capital (leverage) ratio | 8.6759% | 5,064 |
| Tier 1 risk-based capital ratio | 12.1182% | 4,555 |
| Total risk-based capital ratio | 13.3052% | 4,477 |
| Memoranda: | ||
| Average total assets | $122,035,330 | 3,933 |
| Average earning assets | $97,304,000 | 4,210 |
| Average equity | $10,904,330 | 4,372 |
| Average total loans | $68,832,330 | 4,045 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4861% | 1,408 |
| Cost of funding earning assets | 0.2579% | 4,471 |
| Net interest margin | 4.2282% | 929 |
| Noninterest income to average assets | 0.5181% | 2,853 |
| Noninterest expense to average assets | 3.5161% | 1,020 |
| Loan and lease loss provision to assets | 0.2507% | 599 |
| Net operating income to assets | 0.0936% | 5,529 |
| Return on assets (ROA) | 0.0936% | 5,533 |
| Pretax return on assets | 0.0936% | 5,523 |
| Return on Equity (ROE) | 1.0319% | 5,489 |
| Retained earnings to average equity (ytd only) | 1.0319% | 4,649 |
| Net charge-offs to loans | 0.2943% | 621 |
| Credit loss provision to net charge-offs | 150.0000% | 1,207 |
| Earnings coverage of net charge-offs (x) | 2.0600% | 2,646 |
| Efficiency ratio | 91.0823% | 501 |
| Assets per employee ($millions) | 5.8181% | 1,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 1,566 |
| Loan loss allowance to noncurrent loans | 29.7211% | 5,049 |
| Noncurrent assets plus other real estate owned to assets | 15.2775% | 12 |
| Noncurrent loans to loans | 5.1612% | 152 |
| Net loans and leases to total assets | 53.7461% | 4,356 |
| Net loans and leases to deposits | 59.3176% | 4,614 |
| Net loans and leases to core deposits | 64.5833% | 4,503 |
| Total domestic deposits to total assets | 90.6073% | 426 |
| Equity capital to assets | 8.9033% | 4,906 |
| Core capital (leverage) ratio | 8.9771% | 4,765 |
| Tier 1 risk-based capital ratio | 12.0523% | 4,674 |
| Total risk-based capital ratio | 13.2005% | 4,652 |
| Memoranda: | ||
| Average total assets | $119,677,500 | 4,000 |
| Average earning assets | $94,604,000 | 4,298 |
| Average equity | $10,853,500 | 4,410 |
| Average total loans | $67,968,500 | 4,095 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5111% | 1,502 |
| Cost of funding earning assets | 0.3186% | 3,860 |
| Net interest margin | 4.1926% | 1,141 |
| Noninterest income to average assets | 0.5183% | 3,111 |
| Noninterest expense to average assets | 3.5583% | 1,068 |
| Loan and lease loss provision to assets | 0.2014% | 1,146 |
| Net operating income to assets | 0.0084% | 5,637 |
| Return on assets (ROA) | 0.0042% | 5,661 |
| Pretax return on assets | 0.0042% | 5,655 |
| Return on Equity (ROE) | 0.0508% | 5,661 |
| Retained earnings to average equity (ytd only) | 0.0508% | 5,290 |
| Net charge-offs to loans | 0.3767% | 718 |
| Credit loss provision to net charge-offs | 95.2191% | 2,695 |
| Earnings coverage of net charge-offs (x) | 0.9920% | 4,054 |
| Efficiency ratio | 94.4308% | 366 |
| Assets per employee ($millions) | 5.8588% | 1,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 1,910 |
| Loan loss allowance to noncurrent loans | 16.6472% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 16.7049% | 12 |
| Noncurrent loans to loans | 8.6574% | 44 |
| Net loans and leases to total assets | 58.2454% | 4,046 |
| Net loans and leases to deposits | 64.4631% | 4,371 |
| Net loans and leases to core deposits | 70.5431% | 4,197 |
| Total domestic deposits to total assets | 90.3546% | 490 |
| Equity capital to assets | 9.2417% | 4,524 |
| Core capital (leverage) ratio | 9.0152% | 4,728 |
| Tier 1 risk-based capital ratio | 11.6396% | 4,958 |
| Total risk-based capital ratio | 12.7241% | 4,974 |
| Memoranda: | ||
| Average total assets | $118,653,200 | 4,021 |
| Average earning assets | $91,972,400 | 4,351 |
| Average equity | $9,843,400 | 4,609 |
| Average total loans | $66,622,800 | 4,128 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3992% | 1,862 |
| Cost of funding earning assets | 0.3316% | 3,763 |
| Net interest margin | 4.0677% | 1,480 |
| Noninterest income to average assets | 0.5243% | 3,084 |
| Noninterest expense to average assets | 3.5623% | 1,052 |
| Loan and lease loss provision to assets | 0.2677% | 668 |
| Net operating income to assets | -0.1725% | 5,784 |
| Return on assets (ROA) | -0.1781% | 5,800 |
| Pretax return on assets | -0.1781% | 5,788 |
| Return on Equity (ROE) | -2.2089% | 5,815 |
| Retained earnings to average equity (ytd only) | -2.2089% | 5,606 |
| Net charge-offs to loans | 0.5093% | 418 |
| Credit loss provision to net charge-offs | 94.8413% | 2,461 |
| Earnings coverage of net charge-offs (x) | 0.3373% | 3,800 |
| Efficiency ratio | 97.3966% | 274 |
| Assets per employee ($millions) | 5.8642% | 1,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4873% | 1,808 |
| Loan loss allowance to noncurrent loans | 16.8783% | 5,345 |
| Noncurrent assets plus other real estate owned to assets | 17.8287% | 9 |
| Noncurrent loans to loans | 8.8119% | 49 |
| Net loans and leases to total assets | 56.3057% | 4,276 |
| Net loans and leases to deposits | 62.3826% | 4,602 |
| Net loans and leases to core deposits | 68.2130% | 4,453 |
| Total domestic deposits to total assets | 90.2586% | 383 |
| Equity capital to assets | 9.2588% | 4,908 |
| Core capital (leverage) ratio | 8.7426% | 5,109 |
| Tier 1 risk-based capital ratio | 11.5333% | 5,069 |
| Total risk-based capital ratio | 12.6234% | 5,072 |
| Memoranda: | ||
| Average total assets | $119,022,750 | 4,035 |
| Average earning assets | $91,680,250 | 4,389 |
| Average equity | $9,597,000 | 4,695 |
| Average total loans | $65,966,750 | 4,169 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3655% | 1,927 |
| Cost of funding earning assets | 0.3403% | 3,680 |
| Net interest margin | 4.0252% | 1,565 |
| Noninterest income to average assets | 0.5301% | 3,006 |
| Noninterest expense to average assets | 3.4063% | 1,360 |
| Loan and lease loss provision to assets | 0.3997% | 382 |
| Net operating income to assets | -0.1706% | 5,847 |
| Return on assets (ROA) | -0.1706% | 5,858 |
| Pretax return on assets | -0.1706% | 5,850 |
| Return on Equity (ROE) | -2.2231% | 5,876 |
| Retained earnings to average equity (ytd only) | -2.2231% | 5,563 |
| Net charge-offs to loans | 0.7682% | 264 |
| Credit loss provision to net charge-offs | 94.8413% | 2,190 |
| Earnings coverage of net charge-offs (x) | 0.5437% | 3,514 |
| Efficiency ratio | 93.6983% | 427 |
| Assets per employee ($millions) | 6.1186% | 1,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5013% | 1,856 |
| Loan loss allowance to noncurrent loans | 16.0264% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 17.4533% | 11 |
| Noncurrent loans to loans | 9.3676% | 44 |
| Net loans and leases to total assets | 53.4542% | 4,558 |
| Net loans and leases to deposits | 58.9907% | 4,852 |
| Net loans and leases to core deposits | 64.3816% | 4,719 |
| Total domestic deposits to total assets | 90.6147% | 289 |
| Equity capital to assets | 8.9203% | 5,300 |
| Core capital (leverage) ratio | 8.6632% | 5,204 |
| Tier 1 risk-based capital ratio | 11.4573% | 5,187 |
| Total risk-based capital ratio | 12.5344% | 5,186 |
| Memoranda: | ||
| Average total assets | $119,602,670 | 4,052 |
| Average earning assets | $92,268,000 | 4,418 |
| Average equity | $9,176,330 | 4,807 |
| Average total loans | $65,611,000 | 4,203 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3834% | 1,850 |
| Cost of funding earning assets | 0.3526% | 3,577 |
| Net interest margin | 4.0308% | 1,529 |
| Noninterest income to average assets | 0.5583% | 2,754 |
| Noninterest expense to average assets | 3.3971% | 1,384 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.2944% | 5,324 |
| Return on assets (ROA) | 0.2944% | 5,401 |
| Pretax return on assets | 0.2944% | 5,517 |
| Return on Equity (ROE) | 4.1895% | 4,821 |
| Retained earnings to average equity (ytd only) | 4.1895% | 3,386 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0257% | 544 |
| Assets per employee ($millions) | 6.1080% | 1,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4954% | 2,009 |
| Loan loss allowance to noncurrent loans | 12.4738% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 17.8137% | 13 |
| Noncurrent loans to loans | 11.9885% | 26 |
| Net loans and leases to total assets | 54.4618% | 4,402 |
| Net loans and leases to deposits | 60.1140% | 4,709 |
| Net loans and leases to core deposits | 65.7840% | 4,546 |
| Total domestic deposits to total assets | 90.5975% | 402 |
| Equity capital to assets | 9.0218% | 5,151 |
| Core capital (leverage) ratio | 9.2972% | 4,495 |
| Tier 1 risk-based capital ratio | 11.7547% | 5,076 |
| Total risk-based capital ratio | 12.8592% | 5,073 |
| Memoranda: | ||
| Average total assets | $118,218,000 | 4,114 |
| Average earning assets | $91,891,500 | 4,460 |
| Average equity | $8,306,500 | 4,993 |
| Average total loans | $65,211,500 | 4,235 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4615% | 1,712 |
| Cost of funding earning assets | 0.4941% | 2,208 |
| Net interest margin | 3.9674% | 1,817 |
| Noninterest income to average assets | 0.5327% | 3,124 |
| Noninterest expense to average assets | 3.5833% | 1,164 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.0471% | 5,898 |
| Return on assets (ROA) | -0.0471% | 5,918 |
| Pretax return on assets | -0.0471% | 5,907 |
| Return on Equity (ROE) | -0.9655% | 5,937 |
| Retained earnings to average equity (ytd only) | -0.9655% | 5,652 |
| Net charge-offs to loans | 0.2955% | 1,028 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | -0.2842% | 4,290 |
| Efficiency ratio | 101.3314% | 256 |
| Assets per employee ($millions) | 5.7139% | 1,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6062% | 1,594 |
| Loan loss allowance to noncurrent loans | 16.6310% | 5,507 |
| Noncurrent assets plus other real estate owned to assets | 17.8776% | 12 |
| Noncurrent loans to loans | 9.6576% | 48 |
| Net loans and leases to total assets | 54.1430% | 4,488 |
| Net loans and leases to deposits | 57.1338% | 4,970 |
| Net loans and leases to core deposits | 62.4652% | 4,850 |
| Total domestic deposits to total assets | 94.7654% | 20 |
| Equity capital to assets | 4.8934% | 6,146 |
| Core capital (leverage) ratio | 4.6578% | 6,147 |
| Tier 1 risk-based capital ratio | 6.1811% | 6,157 |
| Total risk-based capital ratio | 7.3426% | 6,158 |
| Memoranda: | ||
| Average total assets | $114,698,000 | 4,164 |
| Average earning assets | $86,831,800 | 4,567 |
| Average equity | $5,592,800 | 5,523 |
| Average total loans | $64,293,400 | 4,250 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4722% | 1,680 |
| Cost of funding earning assets | 0.5140% | 2,089 |
| Net interest margin | 3.9582% | 1,846 |
| Noninterest income to average assets | 0.5261% | 3,193 |
| Noninterest expense to average assets | 3.6398% | 1,058 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.1266% | 6,019 |
| Return on assets (ROA) | -0.1266% | 6,039 |
| Pretax return on assets | -0.1266% | 6,022 |
| Return on Equity (ROE) | -2.5984% | 6,090 |
| Retained earnings to average equity (ytd only) | -2.5984% | 5,906 |
| Net charge-offs to loans | 0.3754% | 689 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | -0.5989% | 4,034 |
| Efficiency ratio | 103.6033% | 219 |
| Assets per employee ($millions) | 6.4915% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6227% | 1,711 |
| Loan loss allowance to noncurrent loans | 15.1151% | 5,625 |
| Noncurrent assets plus other real estate owned to assets | 17.9577% | 12 |
| Noncurrent loans to loans | 10.7358% | 36 |
| Net loans and leases to total assets | 52.8178% | 4,680 |
| Net loans and leases to deposits | 55.7180% | 5,145 |
| Net loans and leases to core deposits | 61.0856% | 4,994 |
| Total domestic deposits to total assets | 94.7949% | 20 |
| Equity capital to assets | 4.7584% | 6,234 |
| Core capital (leverage) ratio | 4.6037% | 6,236 |
| Tier 1 risk-based capital ratio | 6.1522% | 6,244 |
| Total risk-based capital ratio | 7.3293% | 6,246 |
| Memoranda: | ||
| Average total assets | $114,803,250 | 4,201 |
| Average earning assets | $86,636,250 | 4,619 |
| Average equity | $5,593,000 | 5,593 |
| Average total loans | $64,646,000 | 4,287 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4952% | 1,553 |
| Cost of funding earning assets | 0.5395% | 1,909 |
| Net interest margin | 3.9557% | 1,788 |
| Noninterest income to average assets | 0.5994% | 2,745 |
| Noninterest expense to average assets | 3.7521% | 926 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1717% | 6,086 |
| Return on assets (ROA) | -0.1717% | 6,114 |
| Pretax return on assets | -0.1717% | 6,096 |
| Return on Equity (ROE) | -3.4975% | 6,165 |
| Retained earnings to average equity (ytd only) | -3.4975% | 5,946 |
| Net charge-offs to loans | -0.0061% | 4,792 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.7969% | 238 |
| Assets per employee ($millions) | 6.0956% | 1,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8825% | 1,204 |
| Loan loss allowance to noncurrent loans | 18.5008% | 5,695 |
| Noncurrent assets plus other real estate owned to assets | 18.7995% | 8 |
| Noncurrent loans to loans | 10.1751% | 52 |
| Net loans and leases to total assets | 54.0940% | 4,542 |
| Net loans and leases to deposits | 57.0256% | 5,059 |
| Net loans and leases to core deposits | 63.0586% | 4,873 |
| Total domestic deposits to total assets | 94.8591% | 19 |
| Equity capital to assets | 4.7679% | 6,307 |
| Core capital (leverage) ratio | 4.6299% | 6,307 |
| Tier 1 risk-based capital ratio | 6.0338% | 6,322 |
| Total risk-based capital ratio | 7.2855% | 6,323 |
| Memoranda: | ||
| Average total assets | $114,122,000 | 4,250 |
| Average earning assets | $86,002,000 | 4,679 |
| Average equity | $5,604,000 | 5,643 |
| Average total loans | $65,283,330 | 4,300 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5293% | 1,380 |
| Cost of funding earning assets | 0.5703% | 1,659 |
| Net interest margin | 3.9590% | 1,691 |
| Noninterest income to average assets | 0.5862% | 2,730 |
| Noninterest expense to average assets | 4.0857% | 630 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.5332% | 6,254 |
| Return on assets (ROA) | -0.5332% | 6,264 |
| Pretax return on assets | -0.5332% | 6,251 |
| Return on Equity (ROE) | -10.6997% | 6,323 |
| Retained earnings to average equity (ytd only) | -10.6997% | 6,151 |
| Net charge-offs to loans | -0.0121% | 4,808 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.0099% | 160 |
| Assets per employee ($millions) | 6.3568% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8619% | 1,368 |
| Loan loss allowance to noncurrent loans | 18.4952% | 5,739 |
| Noncurrent assets plus other real estate owned to assets | 19.1607% | 11 |
| Noncurrent loans to loans | 10.0671% | 60 |
| Net loans and leases to total assets | 55.3696% | 4,275 |
| Net loans and leases to deposits | 58.4644% | 4,879 |
| Net loans and leases to core deposits | 64.7517% | 4,630 |
| Total domestic deposits to total assets | 94.7064% | 17 |
| Equity capital to assets | 4.8872% | 6,374 |
| Core capital (leverage) ratio | 4.6812% | 6,378 |
| Tier 1 risk-based capital ratio | 5.9045% | 6,390 |
| Total risk-based capital ratio | 7.1550% | 6,389 |
| Memoranda: | ||
| Average total assets | $113,274,500 | 4,301 |
| Average earning assets | $84,870,500 | 4,751 |
| Average equity | $5,645,000 | 5,692 |
| Average total loans | $65,999,000 | 4,301 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7092% | 1,283 |
| Cost of funding earning assets | 0.6840% | 1,185 |
| Net interest margin | 4.0252% | 1,820 |
| Noninterest income to average assets | 0.5673% | 3,071 |
| Noninterest expense to average assets | 3.5286% | 1,421 |
| Loan and lease loss provision to assets | 0.1750% | 1,479 |
| Net operating income to assets | -0.0621% | 6,131 |
| Return on assets (ROA) | 0.1845% | 5,847 |
| Pretax return on assets | 0.1845% | 5,894 |
| Return on Equity (ROE) | 3.7885% | 5,205 |
| Retained earnings to average equity (ytd only) | 3.7885% | 3,526 |
| Net charge-offs to loans | 0.1605% | 2,427 |
| Credit loss provision to net charge-offs | 179.6460% | 1,353 |
| Earnings coverage of net charge-offs (x) | 1.1593% | 4,487 |
| Efficiency ratio | 96.8987% | 473 |
| Assets per employee ($millions) | 5.9014% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7793% | 1,577 |
| Loan loss allowance to noncurrent loans | 17.8704% | 5,859 |
| Noncurrent assets plus other real estate owned to assets | 19.8320% | 9 |
| Noncurrent loans to loans | 9.9569% | 70 |
| Net loans and leases to total assets | 59.0768% | 3,911 |
| Net loans and leases to deposits | 62.4697% | 4,684 |
| Net loans and leases to core deposits | 69.5699% | 4,361 |
| Total domestic deposits to total assets | 94.5687% | 22 |
| Equity capital to assets | 5.0817% | 6,456 |
| Core capital (leverage) ratio | 4.7531% | 6,464 |
| Tier 1 risk-based capital ratio | 6.2252% | 6,478 |
| Total risk-based capital ratio | 7.4771% | 6,475 |
| Memoranda: | ||
| Average total assets | $115,995,800 | 4,255 |
| Average earning assets | $88,592,800 | 4,687 |
| Average equity | $5,648,600 | 5,704 |
| Average total loans | $70,418,000 | 4,174 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7113% | 1,283 |
| Cost of funding earning assets | 0.7106% | 1,105 |
| Net interest margin | 4.0007% | 1,878 |
| Noninterest income to average assets | 0.5586% | 3,141 |
| Noninterest expense to average assets | 3.1622% | 2,289 |
| Loan and lease loss provision to assets | 0.2314% | 954 |
| Net operating income to assets | 0.2325% | 5,771 |
| Return on assets (ROA) | 0.4104% | 5,285 |
| Pretax return on assets | 0.4104% | 5,559 |
| Return on Equity (ROE) | 8.5161% | 2,939 |
| Retained earnings to average equity (ytd only) | 8.5161% | 1,145 |
| Net charge-offs to loans | 0.3972% | 999 |
| Credit loss provision to net charge-offs | 95.7547% | 2,327 |
| Earnings coverage of net charge-offs (x) | 1.9198% | 4,041 |
| Efficiency ratio | 87.2053% | 1,079 |
| Assets per employee ($millions) | 6.0948% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6148% | 2,251 |
| Loan loss allowance to noncurrent loans | 16.2198% | 5,980 |
| Noncurrent assets plus other real estate owned to assets | 19.2261% | 13 |
| Noncurrent loans to loans | 9.9556% | 74 |
| Net loans and leases to total assets | 57.9287% | 4,080 |
| Net loans and leases to deposits | 61.3439% | 4,809 |
| Net loans and leases to core deposits | 68.2504% | 4,485 |
| Total domestic deposits to total assets | 94.4327% | 33 |
| Equity capital to assets | 5.1001% | 6,524 |
| Core capital (leverage) ratio | 4.7830% | 6,532 |
| Tier 1 risk-based capital ratio | 6.3514% | 6,550 |
| Total risk-based capital ratio | 7.6021% | 6,548 |
| Memoranda: | ||
| Average total assets | $116,963,000 | 4,281 |
| Average earning assets | $89,682,250 | 4,711 |
| Average equity | $5,636,250 | 5,762 |
| Average total loans | $71,162,250 | 4,186 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6693% | 1,350 |
| Cost of funding earning assets | 0.7324% | 1,008 |
| Net interest margin | 3.9369% | 2,022 |
| Noninterest income to average assets | 0.5641% | 3,020 |
| Noninterest expense to average assets | 3.0780% | 2,573 |
| Loan and lease loss provision to assets | 0.3460% | 521 |
| Net operating income to assets | 0.1909% | 5,861 |
| Return on assets (ROA) | 0.3255% | 5,556 |
| Pretax return on assets | 0.3255% | 5,735 |
| Return on Equity (ROE) | 6.8874% | 3,680 |
| Retained earnings to average equity (ytd only) | 6.8874% | 1,819 |
| Net charge-offs to loans | 0.6541% | 589 |
| Credit loss provision to net charge-offs | 86.0169% | 2,245 |
| Earnings coverage of net charge-offs (x) | 1.3347% | 3,839 |
| Efficiency ratio | 85.1485% | 1,363 |
| Assets per employee ($millions) | 6.1593% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5131% | 2,837 |
| Loan loss allowance to noncurrent loans | 22.6546% | 5,951 |
| Noncurrent assets plus other real estate owned to assets | 15.3906% | 31 |
| Noncurrent loans to loans | 6.6791% | 195 |
| Net loans and leases to total assets | 59.9012% | 3,731 |
| Net loans and leases to deposits | 63.2751% | 4,566 |
| Net loans and leases to core deposits | 70.2997% | 4,237 |
| Total domestic deposits to total assets | 94.6679% | 31 |
| Equity capital to assets | 4.9203% | 6,588 |
| Core capital (leverage) ratio | 4.6870% | 6,597 |
| Tier 1 risk-based capital ratio | 6.0368% | 6,615 |
| Total risk-based capital ratio | 7.2393% | 6,614 |
| Memoranda: | ||
| Average total assets | $117,350,330 | 4,295 |
| Average earning assets | $90,935,330 | 4,704 |
| Average equity | $5,546,330 | 5,823 |
| Average total loans | $72,155,330 | 4,158 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6497% | 1,374 |
| Cost of funding earning assets | 0.7494% | 974 |
| Net interest margin | 3.9003% | 2,088 |
| Noninterest income to average assets | 0.5480% | 3,061 |
| Noninterest expense to average assets | 3.0465% | 2,705 |
| Loan and lease loss provision to assets | 0.6910% | 175 |
| Net operating income to assets | -0.1600% | 6,330 |
| Return on assets (ROA) | -0.1600% | 6,334 |
| Pretax return on assets | -0.1600% | 6,321 |
| Return on Equity (ROE) | -3.4556% | 6,419 |
| Retained earnings to average equity (ytd only) | -3.4556% | 6,008 |
| Net charge-offs to loans | 1.2995% | 251 |
| Credit loss provision to net charge-offs | 86.0169% | 1,835 |
| Earnings coverage of net charge-offs (x) | 0.6610% | 3,287 |
| Efficiency ratio | 85.1570% | 1,526 |
| Assets per employee ($millions) | 6.1214% | 1,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5108% | 3,100 |
| Loan loss allowance to noncurrent loans | 20.2634% | 6,072 |
| Noncurrent assets plus other real estate owned to assets | 16.0403% | 35 |
| Noncurrent loans to loans | 7.4556% | 196 |
| Net loans and leases to total assets | 60.3678% | 3,494 |
| Net loans and leases to deposits | 63.5420% | 4,371 |
| Net loans and leases to core deposits | 70.1748% | 4,070 |
| Total domestic deposits to total assets | 95.0046% | 34 |
| Equity capital to assets | 4.6945% | 6,654 |
| Core capital (leverage) ratio | 4.4585% | 6,665 |
| Tier 1 risk-based capital ratio | 5.7531% | 6,683 |
| Total risk-based capital ratio | 6.9518% | 6,685 |
| Memoranda: | ||
| Average total assets | $117,512,500 | 4,323 |
| Average earning assets | $91,275,500 | 4,744 |
| Average equity | $5,440,500 | 5,888 |
| Average total loans | $72,644,500 | 4,179 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6472% | 1,725 |
| Cost of funding earning assets | 0.9942% | 454 |
| Net interest margin | 3.6530% | 3,235 |
| Noninterest income to average assets | 1.2170% | 951 |
| Noninterest expense to average assets | 3.6683% | 1,340 |
| Loan and lease loss provision to assets | 2.6847% | 24 |
| Net operating income to assets | -2.2080% | 6,725 |
| Return on assets (ROA) | -1.7658% | 6,694 |
| Pretax return on assets | -1.7658% | 6,691 |
| Return on Equity (ROE) | -34.1788% | 6,741 |
| Retained earnings to average equity (ytd only) | -34.1788% | 6,738 |
| Net charge-offs to loans | 4.8778% | 26 |
| Credit loss provision to net charge-offs | 83.0084% | 2,954 |
| Earnings coverage of net charge-offs (x) | 0.1474% | 5,033 |
| Efficiency ratio | 88.5003% | 1,167 |
| Assets per employee ($millions) | 6.2483% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5000% | 3,192 |
| Loan loss allowance to noncurrent loans | 13.3510% | 6,258 |
| Noncurrent assets plus other real estate owned to assets | 16.9587% | 30 |
| Noncurrent loans to loans | 11.2351% | 87 |
| Net loans and leases to total assets | 61.3976% | 3,462 |
| Net loans and leases to deposits | 64.5278% | 4,459 |
| Net loans and leases to core deposits | 74.1747% | 3,824 |
| Total domestic deposits to total assets | 95.1490% | 46 |
| Equity capital to assets | 4.5663% | 6,720 |
| Core capital (leverage) ratio | 4.3559% | 6,735 |
| Tier 1 risk-based capital ratio | 5.7771% | 6,757 |
| Total risk-based capital ratio | 7.0065% | 6,758 |
| Memoranda: | ||
| Average total assets | $122,099,400 | 4,234 |
| Average earning assets | $97,865,400 | 4,569 |
| Average equity | $6,308,000 | 5,741 |
| Average total loans | $80,959,000 | 3,907 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6768% | 1,655 |
| Cost of funding earning assets | 1.0226% | 440 |
| Net interest margin | 3.6542% | 3,214 |
| Noninterest income to average assets | 1.3968% | 748 |
| Noninterest expense to average assets | 3.7002% | 1,246 |
| Loan and lease loss provision to assets | 3.1612% | 13 |
| Net operating income to assets | -2.5312% | 6,823 |
| Return on assets (ROA) | -1.9455% | 6,804 |
| Pretax return on assets | -1.9455% | 6,799 |
| Return on Equity (ROE) | -36.6314% | 6,838 |
| Retained earnings to average equity (ytd only) | -36.6314% | 6,835 |
| Net charge-offs to loans | 5.7170% | 19 |
| Credit loss provision to net charge-offs | 82.2053% | 2,791 |
| Earnings coverage of net charge-offs (x) | 0.1638% | 4,807 |
| Efficiency ratio | 85.4495% | 1,421 |
| Assets per employee ($millions) | 6.3746% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5015% | 3,445 |
| Loan loss allowance to noncurrent loans | 20.7102% | 6,228 |
| Noncurrent assets plus other real estate owned to assets | 15.2084% | 51 |
| Noncurrent loans to loans | 7.2501% | 279 |
| Net loans and leases to total assets | 62.2324% | 3,322 |
| Net loans and leases to deposits | 65.5477% | 4,350 |
| Net loans and leases to core deposits | 75.6099% | 3,658 |
| Total domestic deposits to total assets | 94.9421% | 45 |
| Equity capital to assets | 4.7978% | 6,781 |
| Core capital (leverage) ratio | 4.5813% | 6,801 |
| Tier 1 risk-based capital ratio | 5.9982% | 6,831 |
| Total risk-based capital ratio | 7.2338% | 6,830 |
| Memoranda: | ||
| Average total assets | $122,944,750 | 4,253 |
| Average earning assets | $98,696,500 | 4,596 |
| Average equity | $6,529,750 | 5,759 |
| Average total loans | $82,698,750 | 3,892 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6020% | 1,848 |
| Cost of funding earning assets | 1.0497% | 429 |
| Net interest margin | 3.5523% | 3,553 |
| Noninterest income to average assets | 1.7887% | 521 |
| Noninterest expense to average assets | 3.1484% | 2,514 |
| Loan and lease loss provision to assets | 4.5567% | 7 |
| Net operating income to assets | -3.0076% | 6,899 |
| Return on assets (ROA) | -2.1335% | 6,864 |
| Pretax return on assets | -2.1335% | 6,857 |
| Return on Equity (ROE) | -38.9403% | 6,887 |
| Retained earnings to average equity (ytd only) | -38.9403% | 6,879 |
| Net charge-offs to loans | 7.4094% | 14 |
| Credit loss provision to net charge-offs | 89.6497% | 2,449 |
| Earnings coverage of net charge-offs (x) | 0.3048% | 4,439 |
| Efficiency ratio | 67.0227% | 4,359 |
| Assets per employee ($millions) | 6.3029% | 1,010 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7629% | 2,553 |
| Loan loss allowance to noncurrent loans | 15.5141% | 6,372 |
| Noncurrent assets plus other real estate owned to assets | 16.7609% | 39 |
| Noncurrent loans to loans | 11.3631% | 105 |
| Net loans and leases to total assets | 67.7517% | 2,297 |
| Net loans and leases to deposits | 71.8679% | 3,469 |
| Net loans and leases to core deposits | 83.3190% | 2,652 |
| Total domestic deposits to total assets | 94.2725% | 53 |
| Equity capital to assets | 5.3676% | 6,801 |
| Core capital (leverage) ratio | 5.0197% | 6,829 |
| Tier 1 risk-based capital ratio | 6.1698% | 6,869 |
| Total risk-based capital ratio | 7.4244% | 6,869 |
| Memoranda: | ||
| Average total assets | $123,554,000 | 4,263 |
| Average earning assets | $101,172,670 | 4,543 |
| Average equity | $6,769,330 | 5,743 |
| Average total loans | $84,757,330 | 3,858 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5628% | 1,939 |
| Cost of funding earning assets | 1.0652% | 442 |
| Net interest margin | 3.4976% | 3,707 |
| Noninterest income to average assets | 0.5293% | 3,577 |
| Noninterest expense to average assets | 3.1183% | 2,618 |
| Loan and lease loss provision to assets | 8.9754% | 3 |
| Net operating income to assets | -8.6853% | 7,010 |
| Return on assets (ROA) | -6.9635% | 7,004 |
| Pretax return on assets | -6.9635% | 7,003 |
| Return on Equity (ROE) | -125.8790% | 7,007 |
| Retained earnings to average equity (ytd only) | -125.8790% | 7,006 |
| Net charge-offs to loans | 14.6319% | 6 |
| Credit loss provision to net charge-offs | 89.6497% | 2,030 |
| Earnings coverage of net charge-offs (x) | 0.0290% | 3,820 |
| Efficiency ratio | 91.4874% | 1,029 |
| Assets per employee ($millions) | 6.3626% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7116% | 2,958 |
| Loan loss allowance to noncurrent loans | 14.2997% | 6,450 |
| Noncurrent assets plus other real estate owned to assets | 17.6003% | 48 |
| Noncurrent loans to loans | 11.9697% | 135 |
| Net loans and leases to total assets | 69.1612% | 1,810 |
| Net loans and leases to deposits | 73.2429% | 3,013 |
| Net loans and leases to core deposits | 84.4962% | 2,263 |
| Total domestic deposits to total assets | 94.4272% | 57 |
| Equity capital to assets | 4.7299% | 6,908 |
| Core capital (leverage) ratio | 4.1838% | 6,927 |
| Tier 1 risk-based capital ratio | 5.2033% | 6,950 |
| Total risk-based capital ratio | 6.4560% | 6,953 |
| Memoranda: | ||
| Average total assets | $125,453,500 | 4,275 |
| Average earning assets | $103,270,000 | 4,533 |
| Average equity | $6,940,000 | 5,758 |
| Average total loans | $85,840,000 | 3,843 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1853% | 4,645 |
| Cost of funding earning assets | 1.2235% | 518 |
| Net interest margin | 2.9618% | 6,119 |
| Noninterest income to average assets | 0.4763% | 4,057 |
| Noninterest expense to average assets | 2.8178% | 3,956 |
| Loan and lease loss provision to assets | 0.0840% | 4,649 |
| Net operating income to assets | 0.1231% | 5,961 |
| Return on assets (ROA) | 0.2868% | 5,722 |
| Pretax return on assets | 0.2868% | 5,841 |
| Return on Equity (ROE) | 4.9812% | 4,685 |
| Retained earnings to average equity (ytd only) | 4.9812% | 2,719 |
| Net charge-offs to loans | 0.1383% | 4,309 |
| Credit loss provision to net charge-offs | 93.4426% | 3,333 |
| Earnings coverage of net charge-offs (x) | 2.3033% | 4,264 |
| Efficiency ratio | 93.1514% | 856 |
| Assets per employee ($millions) | 6.8430% | 834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0562% | 1,871 |
| Loan loss allowance to noncurrent loans | 15.0753% | 6,491 |
| Noncurrent assets plus other real estate owned to assets | 17.3500% | 53 |
| Noncurrent loans to loans | 13.6397% | 112 |
| Net loans and leases to total assets | 65.2484% | 2,661 |
| Net loans and leases to deposits | 70.0540% | 3,702 |
| Net loans and leases to core deposits | 82.0278% | 2,770 |
| Total domestic deposits to total assets | 93.1401% | 114 |
| Equity capital to assets | 6.2776% | 6,869 |
| Core capital (leverage) ratio | 5.6764% | 6,884 |
| Tier 1 risk-based capital ratio | 7.1753% | 6,946 |
| Total risk-based capital ratio | 8.4309% | 6,949 |
| Memoranda: | ||
| Average total assets | $135,638,400 | 4,032 |
| Average earning assets | $116,718,000 | 4,190 |
| Average equity | $7,809,400 | 5,554 |
| Average total loans | $88,182,200 | 3,791 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 5,190 |
| Cost of funding earning assets | 1.2465% | 561 |
| Net interest margin | 2.8525% | 6,429 |
| Noninterest income to average assets | 0.4680% | 4,152 |
| Noninterest expense to average assets | 2.7630% | 4,116 |
| Loan and lease loss provision to assets | 0.1109% | 4,180 |
| Net operating income to assets | 0.0720% | 6,173 |
| Return on assets (ROA) | 0.0720% | 6,313 |
| Pretax return on assets | 0.0720% | 6,307 |
| Return on Equity (ROE) | 1.2778% | 6,197 |
| Retained earnings to average equity (ytd only) | 1.2778% | 5,659 |
| Net charge-offs to loans | 0.1836% | 3,648 |
| Credit loss provision to net charge-offs | 93.4426% | 3,195 |
| Earnings coverage of net charge-offs (x) | 1.5410% | 4,511 |
| Efficiency ratio | 93.7913% | 791 |
| Assets per employee ($millions) | 7.0437% | 727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9952% | 2,181 |
| Loan loss allowance to noncurrent loans | 11.9771% | 6,634 |
| Noncurrent assets plus other real estate owned to assets | 15.9957% | 74 |
| Noncurrent loans to loans | 16.6586% | 77 |
| Net loans and leases to total assets | 65.3680% | 2,762 |
| Net loans and leases to deposits | 70.1208% | 3,879 |
| Net loans and leases to core deposits | 84.0389% | 2,692 |
| Total domestic deposits to total assets | 93.2220% | 98 |
| Equity capital to assets | 5.9366% | 6,992 |
| Core capital (leverage) ratio | 5.1622% | 7,010 |
| Tier 1 risk-based capital ratio | 6.9270% | 7,049 |
| Total risk-based capital ratio | 8.1835% | 7,051 |
| Memoranda: | ||
| Average total assets | $137,043,750 | 4,041 |
| Average earning assets | $119,050,500 | 4,174 |
| Average equity | $7,721,250 | 5,637 |
| Average total loans | $88,574,000 | 3,828 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0858% | 5,369 |
| Cost of funding earning assets | 1.2843% | 562 |
| Net interest margin | 2.8015% | 6,573 |
| Noninterest income to average assets | 0.4344% | 4,402 |
| Noninterest expense to average assets | 2.6992% | 4,429 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.1738% | 5,992 |
| Return on assets (ROA) | 0.1738% | 6,165 |
| Pretax return on assets | 0.1738% | 6,188 |
| Return on Equity (ROE) | 3.1386% | 5,635 |
| Retained earnings to average equity (ytd only) | 3.1386% | 4,536 |
| Net charge-offs to loans | 0.0951% | 4,211 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 2.8571% | 3,600 |
| Efficiency ratio | 93.9516% | 806 |
| Assets per employee ($millions) | 7.2570% | 645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0174% | 2,184 |
| Loan loss allowance to noncurrent loans | 11.4836% | 6,693 |
| Noncurrent assets plus other real estate owned to assets | 15.5886% | 89 |
| Noncurrent loans to loans | 17.5680% | 65 |
| Net loans and leases to total assets | 61.5362% | 3,528 |
| Net loans and leases to deposits | 65.7400% | 4,534 |
| Net loans and leases to core deposits | 79.3454% | 3,313 |
| Total domestic deposits to total assets | 93.6054% | 94 |
| Equity capital to assets | 5.7259% | 7,046 |
| Core capital (leverage) ratio | 5.2516% | 7,049 |
| Tier 1 risk-based capital ratio | 7.1143% | 7,090 |
| Total risk-based capital ratio | 8.3753% | 7,088 |
| Memoranda: | ||
| Average total assets | $138,115,000 | 4,046 |
| Average earning assets | $120,222,000 | 4,168 |
| Average equity | $7,646,670 | 5,675 |
| Average total loans | $88,344,330 | 3,844 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0224% | 5,693 |
| Cost of funding earning assets | 1.3353% | 547 |
| Net interest margin | 2.6871% | 6,788 |
| Noninterest income to average assets | 0.4890% | 3,987 |
| Noninterest expense to average assets | 2.6940% | 4,442 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.1418% | 6,140 |
| Return on assets (ROA) | 0.1418% | 6,268 |
| Pretax return on assets | 0.1418% | 6,315 |
| Return on Equity (ROE) | 2.6055% | 5,863 |
| Retained earnings to average equity (ytd only) | 2.6055% | 4,955 |
| Net charge-offs to loans | 0.1883% | 2,972 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 1.1667% | 3,751 |
| Efficiency ratio | 95.0000% | 770 |
| Assets per employee ($millions) | 7.5215% | 588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9643% | 2,471 |
| Loan loss allowance to noncurrent loans | 9.2916% | 6,756 |
| Noncurrent assets plus other real estate owned to assets | 18.5269% | 64 |
| Noncurrent loans to loans | 21.1406% | 40 |
| Net loans and leases to total assets | 64.4013% | 2,787 |
| Net loans and leases to deposits | 68.5690% | 3,957 |
| Net loans and leases to core deposits | 83.2205% | 2,654 |
| Total domestic deposits to total assets | 93.9219% | 92 |
| Equity capital to assets | 5.6143% | 7,099 |
| Core capital (leverage) ratio | 5.1673% | 7,106 |
| Tier 1 risk-based capital ratio | 7.0079% | 7,131 |
| Total risk-based capital ratio | 8.2637% | 7,132 |
| Memoranda: | ||
| Average total assets | $138,231,000 | 4,067 |
| Average earning assets | $120,724,500 | 4,183 |
| Average equity | $7,522,500 | 5,731 |
| Average total loans | $89,219,000 | 3,849 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2673% | 5,863 |
| Cost of funding earning assets | 1.7198% | 300 |
| Net interest margin | 2.5475% | 7,030 |
| Noninterest income to average assets | 0.0149% | 6,945 |
| Noninterest expense to average assets | 3.4004% | 2,243 |
| Loan and lease loss provision to assets | 0.3708% | 2,764 |
| Net operating income to assets | -1.5330% | 6,914 |
| Return on assets (ROA) | -1.1522% | 6,828 |
| Pretax return on assets | -1.1522% | 6,795 |
| Return on Equity (ROE) | -19.7985% | 6,981 |
| Retained earnings to average equity (ytd only) | -19.7985% | 6,966 |
| Net charge-offs to loans | 0.7389% | 2,301 |
| Credit loss provision to net charge-offs | 76.1696% | 4,633 |
| Earnings coverage of net charge-offs (x) | -2.3874% | 6,296 |
| Efficiency ratio | 151.9237% | 136 |
| Assets per employee ($millions) | 7.8375% | 502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0000% | 2,278 |
| Loan loss allowance to noncurrent loans | 11.6106% | 6,799 |
| Noncurrent assets plus other real estate owned to assets | 15.0757% | 118 |
| Noncurrent loans to loans | 17.2257% | 83 |
| Net loans and leases to total assets | 62.1726% | 3,569 |
| Net loans and leases to deposits | 65.8582% | 4,753 |
| Net loans and leases to core deposits | 84.3998% | 2,835 |
| Total domestic deposits to total assets | 94.4037% | 78 |
| Equity capital to assets | 5.2766% | 7,153 |
| Core capital (leverage) ratio | 4.9647% | 7,149 |
| Tier 1 risk-based capital ratio | 6.9373% | 7,161 |
| Total risk-based capital ratio | 8.1940% | 7,161 |
| Memoranda: | ||
| Average total assets | $140,511,400 | 3,967 |
| Average earning assets | $122,629,600 | 4,078 |
| Average equity | $8,177,400 | 5,519 |
| Average total loans | $92,572,400 | 3,796 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3536% | 5,760 |
| Cost of funding earning assets | 1.7791% | 285 |
| Net interest margin | 2.5745% | 7,089 |
| Noninterest income to average assets | -0.1206% | 7,224 |
| Noninterest expense to average assets | 3.2447% | 2,679 |
| Loan and lease loss provision to assets | 0.3942% | 2,494 |
| Net operating income to assets | -1.5121% | 7,045 |
| Return on assets (ROA) | -1.0515% | 6,930 |
| Pretax return on assets | -1.0515% | 6,890 |
| Return on Equity (ROE) | -17.6534% | 7,064 |
| Retained earnings to average equity (ytd only) | -17.6534% | 7,047 |
| Net charge-offs to loans | 0.7356% | 2,089 |
| Credit loss provision to net charge-offs | 80.5825% | 4,125 |
| Earnings coverage of net charge-offs (x) | -2.2854% | 6,036 |
| Efficiency ratio | 152.5681% | 127 |
| Assets per employee ($millions) | 7.7523% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0729% | 2,135 |
| Loan loss allowance to noncurrent loans | 11.8832% | 6,870 |
| Noncurrent assets plus other real estate owned to assets | 15.5754% | 118 |
| Noncurrent loans to loans | 17.4442% | 87 |
| Net loans and leases to total assets | 62.6984% | 3,569 |
| Net loans and leases to deposits | 66.8434% | 4,780 |
| Net loans and leases to core deposits | 85.8469% | 2,794 |
| Total domestic deposits to total assets | 93.7990% | 96 |
| Equity capital to assets | 5.7381% | 7,211 |
| Core capital (leverage) ratio | 5.3177% | 7,202 |
| Tier 1 risk-based capital ratio | 7.3366% | 7,223 |
| Total risk-based capital ratio | 8.5936% | 7,226 |
| Memoranda: | ||
| Average total assets | $140,370,500 | 3,984 |
| Average earning assets | $122,531,250 | 4,106 |
| Average equity | $8,360,750 | 5,483 |
| Average total loans | $93,340,500 | 3,809 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4420% | 5,551 |
| Cost of funding earning assets | 1.8398% | 271 |
| Net interest margin | 2.6022% | 7,116 |
| Noninterest income to average assets | 0.1905% | 6,303 |
| Noninterest expense to average assets | 3.0744% | 3,351 |
| Loan and lease loss provision to assets | 0.1522% | 4,410 |
| Net operating income to assets | -0.7693% | 6,853 |
| Return on assets (ROA) | -0.7693% | 6,865 |
| Pretax return on assets | -0.7693% | 6,807 |
| Return on Equity (ROE) | -12.7614% | 7,009 |
| Retained earnings to average equity (ytd only) | -12.7614% | 6,970 |
| Net charge-offs to loans | 0.2852% | 3,448 |
| Credit loss provision to net charge-offs | 79.2593% | 3,792 |
| Earnings coverage of net charge-offs (x) | -3.2148% | 5,758 |
| Efficiency ratio | 125.1157% | 295 |
| Assets per employee ($millions) | 8.3574% | 407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1055% | 2,110 |
| Loan loss allowance to noncurrent loans | 11.9771% | 6,920 |
| Noncurrent assets plus other real estate owned to assets | 17.0487% | 106 |
| Noncurrent loans to loans | 17.5795% | 90 |
| Net loans and leases to total assets | 62.9632% | 3,684 |
| Net loans and leases to deposits | 67.3054% | 4,814 |
| Net loans and leases to core deposits | 86.7224% | 2,794 |
| Total domestic deposits to total assets | 93.5485% | 100 |
| Equity capital to assets | 6.0032% | 7,242 |
| Core capital (leverage) ratio | 5.6430% | 7,242 |
| Tier 1 risk-based capital ratio | 7.3488% | 7,291 |
| Total risk-based capital ratio | 8.6053% | 7,293 |
| Memoranda: | ||
| Average total assets | $140,647,000 | 4,014 |
| Average earning assets | $122,512,330 | 4,137 |
| Average equity | $8,478,670 | 5,462 |
| Average total loans | $94,673,330 | 3,824 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4258% | 5,598 |
| Cost of funding earning assets | 1.8749% | 284 |
| Net interest margin | 2.5510% | 7,159 |
| Noninterest income to average assets | 0.1944% | 6,332 |
| Noninterest expense to average assets | 3.0929% | 3,277 |
| Loan and lease loss provision to assets | 0.0200% | 5,701 |
| Net operating income to assets | -0.6860% | 6,908 |
| Return on assets (ROA) | -0.6860% | 6,915 |
| Pretax return on assets | -0.6860% | 6,868 |
| Return on Equity (ROE) | -11.3562% | 7,061 |
| Retained earnings to average equity (ytd only) | -11.3562% | 6,922 |
| Net charge-offs to loans | 0.2201% | 3,205 |
| Credit loss provision to net charge-offs | 13.2075% | 4,355 |
| Earnings coverage of net charge-offs (x) | -4.3962% | 5,020 |
| Efficiency ratio | 127.4441% | 277 |
| Assets per employee ($millions) | 7.4272% | 603 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9600% | 2,517 |
| Loan loss allowance to noncurrent loans | 10.7599% | 7,001 |
| Noncurrent assets plus other real estate owned to assets | 17.4316% | 99 |
| Noncurrent loans to loans | 18.2162% | 86 |
| Net loans and leases to total assets | 67.5588% | 2,644 |
| Net loans and leases to deposits | 72.0215% | 4,076 |
| Net loans and leases to core deposits | 98.3758% | 1,485 |
| Total domestic deposits to total assets | 93.8037% | 84 |
| Equity capital to assets | 5.9561% | 7,288 |
| Core capital (leverage) ratio | 5.8932% | 7,268 |
| Tier 1 risk-based capital ratio | 7.2512% | 7,347 |
| Total risk-based capital ratio | 8.5068% | 7,350 |
| Memoranda: | ||
| Average total assets | $139,933,000 | 4,067 |
| Average earning assets | $122,462,500 | 4,173 |
| Average equity | $8,453,500 | 5,472 |
| Average total loans | $96,320,500 | 3,823 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3124% | 6,773 |
| Cost of funding earning assets | 2.1657% | 342 |
| Net interest margin | 2.1466% | 7,413 |
| Noninterest income to average assets | 0.1180% | 6,819 |
| Noninterest expense to average assets | 3.3778% | 2,500 |
| Loan and lease loss provision to assets | 1.4115% | 1,064 |
| Net operating income to assets | -2.7653% | 7,240 |
| Return on assets (ROA) | -2.7653% | 7,257 |
| Pretax return on assets | -2.7653% | 7,235 |
| Return on Equity (ROE) | -37.4993% | 7,316 |
| Retained earnings to average equity (ytd only) | -37.4993% | 7,306 |
| Net charge-offs to loans | 1.8673% | 1,111 |
| Credit loss provision to net charge-offs | 111.7615% | 3,918 |
| Earnings coverage of net charge-offs (x) | -1.0720% | 6,625 |
| Efficiency ratio | 166.8901% | 142 |
| Assets per employee ($millions) | 6.6071% | 902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0462% | 2,184 |
| Loan loss allowance to noncurrent loans | 10.6813% | 7,081 |
| Noncurrent assets plus other real estate owned to assets | 18.0145% | 91 |
| Noncurrent loans to loans | 19.1566% | 81 |
| Net loans and leases to total assets | 67.3490% | 3,138 |
| Net loans and leases to deposits | 71.9181% | 4,533 |
| Net loans and leases to core deposits | 99.1385% | 1,689 |
| Total domestic deposits to total assets | 93.6468% | 102 |
| Equity capital to assets | 6.1276% | 7,326 |
| Core capital (leverage) ratio | 5.8341% | 7,327 |
| Tier 1 risk-based capital ratio | 7.5009% | 7,390 |
| Total risk-based capital ratio | 8.7569% | 7,392 |
| Memoranda: | ||
| Average total assets | $147,433,400 | 3,923 |
| Average earning assets | $130,903,000 | 3,994 |
| Average equity | $10,872,200 | 4,897 |
| Average total loans | $99,718,800 | 3,801 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2581% | 7,022 |
| Cost of funding earning assets | 2.1901% | 394 |
| Net interest margin | 2.0680% | 7,559 |
| Noninterest income to average assets | 0.0553% | 7,247 |
| Noninterest expense to average assets | 2.9945% | 3,766 |
| Loan and lease loss provision to assets | 0.6069% | 2,509 |
| Net operating income to assets | -1.7040% | 7,163 |
| Return on assets (ROA) | -1.7040% | 7,175 |
| Pretax return on assets | -1.7040% | 7,106 |
| Return on Equity (ROE) | -22.2357% | 7,265 |
| Retained earnings to average equity (ytd only) | -22.2357% | 7,251 |
| Net charge-offs to loans | 0.3942% | 3,711 |
| Credit loss provision to net charge-offs | 228.5235% | 1,503 |
| Earnings coverage of net charge-offs (x) | -4.1309% | 6,581 |
| Efficiency ratio | 157.8206% | 169 |
| Assets per employee ($millions) | 7.0480% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0935% | 2,010 |
| Loan loss allowance to noncurrent loans | 10.6396% | 7,177 |
| Noncurrent assets plus other real estate owned to assets | 16.5267% | 117 |
| Noncurrent loans to loans | 19.6767% | 81 |
| Net loans and leases to total assets | 66.8594% | 3,497 |
| Net loans and leases to deposits | 72.3822% | 4,779 |
| Net loans and leases to core deposits | 102.2505% | 1,631 |
| Total domestic deposits to total assets | 92.3701% | 140 |
| Equity capital to assets | 7.3239% | 7,218 |
| Core capital (leverage) ratio | 7.0120% | 7,159 |
| Tier 1 risk-based capital ratio | 9.1081% | 7,345 |
| Total risk-based capital ratio | 10.3649% | 7,357 |
| Memoranda: | ||
| Average total assets | $149,604,500 | 3,931 |
| Average earning assets | $133,264,250 | 4,004 |
| Average equity | $11,464,750 | 4,816 |
| Average total loans | $100,799,000 | 3,840 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2579% | 7,105 |
| Cost of funding earning assets | 2.2562% | 394 |
| Net interest margin | 2.0017% | 7,645 |
| Noninterest income to average assets | -0.0586% | 7,594 |
| Noninterest expense to average assets | 2.9786% | 3,789 |
| Loan and lease loss provision to assets | 0.6074% | 2,364 |
| Net operating income to assets | -1.8636% | 7,273 |
| Return on assets (ROA) | -1.8636% | 7,280 |
| Pretax return on assets | -1.8636% | 7,197 |
| Return on Equity (ROE) | -23.9698% | 7,357 |
| Retained earnings to average equity (ytd only) | -23.9698% | 7,343 |
| Net charge-offs to loans | 0.1609% | 4,657 |
| Credit loss provision to net charge-offs | 562.9630% | 657 |
| Earnings coverage of net charge-offs (x) | -11.6420% | 6,333 |
| Efficiency ratio | 172.9312% | 143 |
| Assets per employee ($millions) | 7.0077% | 768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1479% | 1,870 |
| Loan loss allowance to noncurrent loans | 11.2110% | 7,232 |
| Noncurrent assets plus other real estate owned to assets | 15.1338% | 142 |
| Noncurrent loans to loans | 19.1588% | 97 |
| Net loans and leases to total assets | 65.2585% | 3,992 |
| Net loans and leases to deposits | 70.9484% | 5,144 |
| Net loans and leases to core deposits | 101.6372% | 1,856 |
| Total domestic deposits to total assets | 91.9802% | 223 |
| Equity capital to assets | 7.6080% | 7,046 |
| Core capital (leverage) ratio | 7.1701% | 7,089 |
| Tier 1 risk-based capital ratio | 9.8020% | 7,134 |
| Total risk-based capital ratio | 11.0604% | 7,111 |
| Memoranda: | ||
| Average total assets | $150,136,330 | 3,952 |
| Average earning assets | $133,587,000 | 4,030 |
| Average equity | $11,673,000 | 4,766 |
| Average total loans | $100,707,330 | 3,872 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2040% | 7,259 |
| Cost of funding earning assets | 2.2944% | 442 |
| Net interest margin | 1.9096% | 7,751 |
| Noninterest income to average assets | 0.2770% | 5,932 |
| Noninterest expense to average assets | 2.9652% | 3,803 |
| Loan and lease loss provision to assets | 0.3984% | 2,984 |
| Net operating income to assets | -1.3850% | 7,287 |
| Return on assets (ROA) | -1.3850% | 7,302 |
| Pretax return on assets | -1.3850% | 7,219 |
| Return on Equity (ROE) | -17.6300% | 7,387 |
| Retained earnings to average equity (ytd only) | -17.6300% | 7,301 |
| Net charge-offs to loans | 0.0784% | 4,633 |
| Credit loss provision to net charge-offs | 755.0000% | 594 |
| Earnings coverage of net charge-offs (x) | -18.7000% | 5,578 |
| Efficiency ratio | 149.8667% | 212 |
| Assets per employee ($millions) | 6.9340% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8300% | 2,638 |
| Loan loss allowance to noncurrent loans | 10.1663% | 7,330 |
| Noncurrent assets plus other real estate owned to assets | 15.3500% | 131 |
| Noncurrent loans to loans | 18.0002% | 109 |
| Net loans and leases to total assets | 65.5509% | 3,973 |
| Net loans and leases to deposits | 71.2415% | 5,161 |
| Net loans and leases to core deposits | 106.0560% | 1,569 |
| Total domestic deposits to total assets | 92.0123% | 236 |
| Equity capital to assets | 7.7065% | 6,928 |
| Core capital (leverage) ratio | 7.6386% | 6,691 |
| Tier 1 risk-based capital ratio | 9.9274% | 7,083 |
| Total risk-based capital ratio | 11.1821% | 7,062 |
| Memoranda: | ||
| Average total assets | $151,624,000 | 3,989 |
| Average earning assets | $135,109,500 | 4,055 |
| Average equity | $11,911,500 | 4,739 |
| Average total loans | $101,989,500 | 3,888 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2848% | 7,564 |
| Cost of funding earning assets | 2.8948% | 314 |
| Net interest margin | 1.3900% | 7,886 |
| Noninterest income to average assets | 0.6362% | 3,375 |
| Noninterest expense to average assets | 3.2572% | 3,165 |
| Loan and lease loss provision to assets | 2.4362% | 825 |
| Net operating income to assets | -3.8006% | 7,575 |
| Return on assets (ROA) | -3.7222% | 7,563 |
| Pretax return on assets | -3.7222% | 7,469 |
| Return on Equity (ROE) | -36.9360% | 7,523 |
| Retained earnings to average equity (ytd only) | -36.9360% | 7,510 |
| Net charge-offs to loans | 3.8947% | 436 |
| Credit loss provision to net charge-offs | 89.0215% | 6,039 |
| Earnings coverage of net charge-offs (x) | -0.4986% | 6,690 |
| Efficiency ratio | 172.0842% | 214 |
| Assets per employee ($millions) | 6.8500% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6970% | 2,898 |
| Loan loss allowance to noncurrent loans | 10.7366% | 7,358 |
| Noncurrent assets plus other real estate owned to assets | 13.8042% | 177 |
| Noncurrent loans to loans | 15.8061% | 153 |
| Net loans and leases to total assets | 66.6127% | 4,013 |
| Net loans and leases to deposits | 72.5390% | 5,253 |
| Net loans and leases to core deposits | 105.4719% | 3,400 |
| Total domestic deposits to total assets | 91.8302% | 297 |
| Equity capital to assets | 8.0072% | 6,573 |
| Core capital (leverage) ratio | 7.5118% | 6,775 |
| Tier 1 risk-based capital ratio | 10.3433% | 6,546 |
| Total risk-based capital ratio | 11.5958% | 6,515 |
| Memoranda: | ||
| Average total assets | $153,107,000 | 3,910 |
| Average earning assets | $138,419,200 | 3,937 |
| Average equity | $15,429,400 | 3,982 |
| Average total loans | $107,583,400 | 3,748 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2222% | 7,709 |
| Cost of funding earning assets | 2.9645% | 364 |
| Net interest margin | 1.2578% | 7,984 |
| Noninterest income to average assets | 0.6792% | 3,160 |
| Noninterest expense to average assets | 3.1080% | 3,618 |
| Loan and lease loss provision to assets | 1.2803% | 1,504 |
| Net operating income to assets | -2.5693% | 7,477 |
| Return on assets (ROA) | -2.4652% | 7,458 |
| Pretax return on assets | -2.4652% | 7,334 |
| Return on Equity (ROE) | -23.2897% | 7,470 |
| Retained earnings to average equity (ytd only) | -23.2897% | 7,443 |
| Net charge-offs to loans | 1.8944% | 1,060 |
| Credit loss provision to net charge-offs | 95.3488% | 5,330 |
| Earnings coverage of net charge-offs (x) | -0.9599% | 6,621 |
| Efficiency ratio | 170.8631% | 230 |
| Assets per employee ($millions) | 6.6613% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9654% | 1,878 |
| Loan loss allowance to noncurrent loans | 10.9602% | 7,433 |
| Noncurrent assets plus other real estate owned to assets | 13.2568% | 175 |
| Noncurrent loans to loans | 17.9323% | 89 |
| Net loans and leases to total assets | 63.5580% | 4,956 |
| Net loans and leases to deposits | 70.0260% | 5,914 |
| Net loans and leases to core deposits | 101.6587% | 4,191 |
| Total domestic deposits to total assets | 90.7634% | 493 |
| Equity capital to assets | 8.9766% | 5,518 |
| Core capital (leverage) ratio | 8.9957% | 4,657 |
| Tier 1 risk-based capital ratio | 12.1054% | 4,869 |
| Total risk-based capital ratio | 13.2140% | 4,943 |
| Memoranda: | ||
| Average total assets | $153,708,500 | 3,920 |
| Average earning assets | $139,291,500 | 3,941 |
| Average equity | $16,270,000 | 3,860 |
| Average total loans | $108,949,500 | 3,754 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4296% | 7,691 |
| Cost of funding earning assets | 3.0922% | 357 |
| Net interest margin | 1.3373% | 8,052 |
| Noninterest income to average assets | 0.8111% | 2,360 |
| Noninterest expense to average assets | 3.2844% | 3,032 |
| Loan and lease loss provision to assets | 1.3063% | 1,313 |
| Net operating income to assets | -2.5751% | 7,580 |
| Return on assets (ROA) | -2.4144% | 7,537 |
| Pretax return on assets | -2.4144% | 7,398 |
| Return on Equity (ROE) | -21.5914% | 7,548 |
| Retained earnings to average equity (ytd only) | -21.5914% | 7,503 |
| Net charge-offs to loans | 0.1629% | 4,577 |
| Credit loss provision to net charge-offs | 1,096.6292% | 451 |
| Earnings coverage of net charge-offs (x) | -10.6517% | 6,532 |
| Efficiency ratio | 162.9482% | 312 |
| Assets per employee ($millions) | 6.0654% | 1,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7949% | 685 |
| Loan loss allowance to noncurrent loans | 18.5152% | 7,210 |
| Noncurrent assets plus other real estate owned to assets | 12.3671% | 166 |
| Noncurrent loans to loans | 15.0950% | 130 |
| Net loans and leases to total assets | 67.9273% | 4,161 |
| Net loans and leases to deposits | 75.6880% | 5,215 |
| Net loans and leases to core deposits | 108.2183% | 3,584 |
| Total domestic deposits to total assets | 89.7464% | 939 |
| Equity capital to assets | 9.9999% | 3,938 |
| Core capital (leverage) ratio | 9.7279% | 3,600 |
| Tier 1 risk-based capital ratio | 12.5677% | 4,466 |
| Total risk-based capital ratio | 13.8298% | 4,378 |
| Memoranda: | ||
| Average total assets | $149,433,670 | 4,003 |
| Average earning assets | $134,595,670 | 4,058 |
| Average equity | $16,710,330 | 3,771 |
| Average total loans | $109,277,000 | 3,778 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6736% | 7,542 |
| Cost of funding earning assets | 3.1829% | 362 |
| Net interest margin | 1.4907% | 8,063 |
| Noninterest income to average assets | 0.8314% | 2,169 |
| Noninterest expense to average assets | 3.1438% | 3,217 |
| Loan and lease loss provision to assets | 0.2395% | 4,067 |
| Net operating income to assets | -1.2085% | 7,363 |
| Return on assets (ROA) | -0.8782% | 7,205 |
| Pretax return on assets | -0.8782% | 7,084 |
| Return on Equity (ROE) | -7.4270% | 7,185 |
| Retained earnings to average equity (ytd only) | -7.4270% | 6,845 |
| Net charge-offs to loans | 0.3272% | 2,784 |
| Credit loss provision to net charge-offs | 97.7528% | 3,847 |
| Earnings coverage of net charge-offs (x) | -3.9551% | 5,540 |
| Efficiency ratio | 144.5570% | 386 |
| Assets per employee ($millions) | 5.8042% | 1,316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9559% | 1,512 |
| Loan loss allowance to noncurrent loans | 25.1290% | 6,892 |
| Noncurrent assets plus other real estate owned to assets | 8.2367% | 345 |
| Noncurrent loans to loans | 7.7833% | 469 |
| Net loans and leases to total assets | 70.0837% | 3,648 |
| Net loans and leases to deposits | 78.8608% | 4,793 |
| Net loans and leases to core deposits | 118.3192% | 2,570 |
| Total domestic deposits to total assets | 88.8702% | 1,293 |
| Equity capital to assets | 10.8765% | 3,098 |
| Core capital (leverage) ratio | 11.2587% | 2,299 |
| Tier 1 risk-based capital ratio | 13.1797% | 4,065 |
| Total risk-based capital ratio | 14.4262% | 3,987 |
| Memoranda: | ||
| Average total assets | $145,300,000 | 4,088 |
| Average earning assets | $130,949,000 | 4,135 |
| Average equity | $17,180,500 | 3,700 |
| Average total loans | $108,814,500 | 3,818 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6076% | 7,037 |
| Cost of funding earning assets | 3.4856% | 541 |
| Net interest margin | 2.1219% | 8,006 |
| Noninterest income to average assets | 0.6695% | 3,335 |
| Noninterest expense to average assets | 3.8015% | 1,750 |
| Loan and lease loss provision to assets | 2.7717% | 344 |
| Net operating income to assets | -3.9669% | 7,984 |
| Return on assets (ROA) | -3.9262% | 7,959 |
| Pretax return on assets | -3.9262% | 7,881 |
| Return on Equity (ROE) | -22.7956% | 7,820 |
| Retained earnings to average equity (ytd only) | -22.7956% | 7,754 |
| Net charge-offs to loans | 1.9642% | 552 |
| Credit loss provision to net charge-offs | 176.8933% | 2,864 |
| Earnings coverage of net charge-offs (x) | -0.7629% | 6,554 |
| Efficiency ratio | 145.8624% | 370 |
| Assets per employee ($millions) | 4.6168% | 2,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0766% | 1,106 |
| Loan loss allowance to noncurrent loans | 20.9736% | 7,192 |
| Noncurrent assets plus other real estate owned to assets | 9.6911% | 177 |
| Noncurrent loans to loans | 9.9009% | 216 |
| Net loans and leases to total assets | 77.2403% | 2,319 |
| Net loans and leases to deposits | 88.9912% | 3,638 |
| Net loans and leases to core deposits | 126.8137% | 2,098 |
| Total domestic deposits to total assets | 86.7955% | 2,037 |
| Equity capital to assets | 12.9334% | 1,816 |
| Core capital (leverage) ratio | 12.8004% | 1,622 |
| Tier 1 risk-based capital ratio | 14.7441% | 3,179 |
| Total risk-based capital ratio | 15.8733% | 3,161 |
| Memoranda: | ||
| Average total assets | $115,454,400 | 4,622 |
| Average earning assets | $105,375,200 | 4,633 |
| Average equity | $19,885,400 | 3,248 |
| Average total loans | $92,099,600 | 4,156 |