Home > Gateway Bank of Southwest Florida > Performance and Condition Ratios
Gateway Bank of Southwest Florida, Performance and Condition Ratios
| 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 | 4.0941% | 2,674 |
| Cost of funding earning assets | 0.4220% | 2,795 |
| Net interest margin | 3.6720% | 2,597 |
| Noninterest income to average assets | 0.5673% | 2,567 |
| Noninterest expense to average assets | 2.3742% | 4,193 |
| Loan and lease loss provision to assets | 0.0825% | 2,168 |
| Net operating income to assets | 1.0246% | 2,199 |
| Return on assets (ROA) | 1.0246% | 2,254 |
| Pretax return on assets | 1.5422% | 1,408 |
| Return on Equity (ROE) | 11.5860% | 1,377 |
| Retained earnings to average equity (ytd only) | 11.5860% | 518 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3709% | 4,548 |
| Assets per employee ($millions) | 7.0308% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9340% | 4,621 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 69.8423% | 2,412 |
| Net loans and leases to deposits | 80.1930% | 2,726 |
| Net loans and leases to core deposits | 93.4095% | 2,028 |
| Total domestic deposits to total assets | 87.0928% | 2,169 |
| Equity capital to assets | 8.8911% | 4,914 |
| Core capital (leverage) ratio | 9.1226% | 4,581 |
| Tier 1 risk-based capital ratio | 12.9762% | 4,093 |
| Total risk-based capital ratio | 13.9318% | 4,179 |
| Memoranda: | ||
| Average total assets | $305,287,000 | 2,176 |
| Average earning assets | $285,292,000 | 2,162 |
| Average equity | $26,998,000 | 2,579 |
| Average total loans | $212,165,000 | 2,080 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9529% | 3,373 |
| Cost of funding earning assets | 0.5183% | 1,949 |
| Net interest margin | 3.4346% | 3,686 |
| Noninterest income to average assets | 0.5760% | 2,781 |
| Noninterest expense to average assets | 2.4858% | 4,064 |
| Loan and lease loss provision to assets | 0.0886% | 2,592 |
| Net operating income to assets | 0.8067% | 3,274 |
| Return on assets (ROA) | 0.8852% | 3,022 |
| Pretax return on assets | 1.3148% | 2,233 |
| Return on Equity (ROE) | 9.8419% | 2,030 |
| Retained earnings to average equity (ytd only) | 7.9257% | 877 |
| Net charge-offs to loans | -0.0010% | 4,647 |
| Credit loss provision to net charge-offs | -12,850.0000% | 5,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9020% | 3,602 |
| Assets per employee ($millions) | 6.5483% | 1,129 |
| Cash dividends to net income (ytd only)* | 19.4704% | 3,745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9572% | 4,543 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 67.8106% | 2,805 |
| Net loans and leases to deposits | 77.6399% | 3,146 |
| Net loans and leases to core deposits | 91.1142% | 2,388 |
| Total domestic deposits to total assets | 87.3398% | 1,961 |
| Equity capital to assets | 8.7946% | 5,020 |
| Core capital (leverage) ratio | 9.1091% | 4,605 |
| Tier 1 risk-based capital ratio | 12.6418% | 4,294 |
| Total risk-based capital ratio | 13.5651% | 4,384 |
| Memoranda: | ||
| Average total assets | $290,089,000 | 2,224 |
| Average earning assets | $269,929,200 | 2,211 |
| Average equity | $26,092,400 | 2,628 |
| Average total loans | $198,384,000 | 2,130 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9435% | 3,449 |
| Cost of funding earning assets | 0.5520% | 1,672 |
| Net interest margin | 3.3915% | 3,879 |
| Noninterest income to average assets | 0.5620% | 2,864 |
| Noninterest expense to average assets | 2.5199% | 3,927 |
| Loan and lease loss provision to assets | 0.1053% | 2,170 |
| Net operating income to assets | 0.7387% | 3,651 |
| Return on assets (ROA) | 0.8460% | 3,287 |
| Pretax return on assets | 1.2479% | 2,628 |
| Return on Equity (ROE) | 9.3511% | 2,333 |
| Retained earnings to average equity (ytd only) | 6.7864% | 1,733 |
| Net charge-offs to loans | -0.0007% | 4,425 |
| Credit loss provision to net charge-offs | -22,700.0000% | 5,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8241% | 3,254 |
| Assets per employee ($millions) | 6.6276% | 1,034 |
| Cash dividends to net income (ytd only)* | 27.4273% | 2,931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9482% | 4,673 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 68.0551% | 2,796 |
| Net loans and leases to deposits | 80.6328% | 2,892 |
| Net loans and leases to core deposits | 91.9739% | 2,381 |
| Total domestic deposits to total assets | 84.4013% | 3,064 |
| Equity capital to assets | 9.1154% | 5,053 |
| Core capital (leverage) ratio | 9.0368% | 4,792 |
| Tier 1 risk-based capital ratio | 11.9635% | 4,811 |
| Total risk-based capital ratio | 12.8468% | 4,941 |
| Memoranda: | ||
| Average total assets | $287,306,250 | 2,241 |
| Average earning assets | $267,131,500 | 2,238 |
| Average equity | $25,992,750 | 2,659 |
| Average total loans | $196,421,750 | 2,150 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8803% | 3,655 |
| Cost of funding earning assets | 0.5742% | 1,507 |
| Net interest margin | 3.3060% | 4,207 |
| Noninterest income to average assets | 0.4717% | 3,397 |
| Noninterest expense to average assets | 2.5185% | 3,986 |
| Loan and lease loss provision to assets | 0.0409% | 3,342 |
| Net operating income to assets | 0.6774% | 3,913 |
| Return on assets (ROA) | 0.8404% | 3,263 |
| Pretax return on assets | 1.2289% | 2,672 |
| Return on Equity (ROE) | 9.3143% | 2,352 |
| Retained earnings to average equity (ytd only) | 5.4073% | 2,481 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9716% | 2,828 |
| Assets per employee ($millions) | 6.7498% | 976 |
| Cash dividends to net income (ytd only)* | 41.9463% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8547% | 5,116 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 67.7104% | 2,821 |
| Net loans and leases to deposits | 79.6852% | 2,970 |
| Net loans and leases to core deposits | 95.4898% | 2,023 |
| Total domestic deposits to total assets | 84.9724% | 2,896 |
| Equity capital to assets | 8.7367% | 5,455 |
| Core capital (leverage) ratio | 9.0465% | 4,774 |
| Tier 1 risk-based capital ratio | 11.5251% | 5,136 |
| Total risk-based capital ratio | 12.3170% | 5,305 |
| Memoranda: | ||
| Average total assets | $283,661,000 | 2,277 |
| Average earning assets | $264,002,670 | 2,271 |
| Average equity | $25,595,000 | 2,698 |
| Average total loans | $193,591,670 | 2,179 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9949% | 3,243 |
| Cost of funding earning assets | 0.5732% | 1,522 |
| Net interest margin | 3.4217% | 3,795 |
| Noninterest income to average assets | 0.3333% | 4,348 |
| Noninterest expense to average assets | 2.5700% | 3,849 |
| Loan and lease loss provision to assets | 0.0848% | 2,263 |
| Net operating income to assets | 0.5883% | 4,233 |
| Return on assets (ROA) | 0.9312% | 2,703 |
| Pretax return on assets | 1.3435% | 2,119 |
| Return on Equity (ROE) | 10.1417% | 1,931 |
| Retained earnings to average equity (ytd only) | 10.1417% | 821 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4029% | 2,574 |
| Assets per employee ($millions) | 6.3544% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9118% | 5,018 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 68.9130% | 2,511 |
| Net loans and leases to deposits | 76.3890% | 3,175 |
| Net loans and leases to core deposits | 92.9693% | 2,090 |
| Total domestic deposits to total assets | 90.2133% | 524 |
| Equity capital to assets | 9.2953% | 4,890 |
| Core capital (leverage) ratio | 9.5403% | 4,113 |
| Tier 1 risk-based capital ratio | 12.4788% | 4,589 |
| Total risk-based capital ratio | 13.3368% | 4,770 |
| Memoranda: | ||
| Average total assets | $273,620,500 | 2,359 |
| Average earning assets | $253,321,500 | 2,362 |
| Average equity | $25,124,000 | 2,736 |
| Average total loans | $186,668,500 | 2,242 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1836% | 2,611 |
| Cost of funding earning assets | 0.5729% | 1,571 |
| Net interest margin | 3.6106% | 3,091 |
| Noninterest income to average assets | 0.5886% | 2,781 |
| Noninterest expense to average assets | 2.8125% | 3,179 |
| Loan and lease loss provision to assets | 0.0522% | 3,270 |
| Net operating income to assets | 0.8621% | 3,059 |
| Return on assets (ROA) | 0.8184% | 3,335 |
| Pretax return on assets | 1.0066% | 3,445 |
| Return on Equity (ROE) | 8.6307% | 2,655 |
| Retained earnings to average equity (ytd only) | 8.6307% | 746 |
| Net charge-offs to loans | 0.0635% | 2,954 |
| Credit loss provision to net charge-offs | 133.3333% | 1,965 |
| Earnings coverage of net charge-offs (x) | 28.3958% | 1,510 |
| Efficiency ratio | 71.6514% | 2,958 |
| Assets per employee ($millions) | 6.2244% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9587% | 4,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 66.1963% | 2,957 |
| Net loans and leases to deposits | 73.2135% | 3,589 |
| Net loans and leases to core deposits | 89.4384% | 2,457 |
| Total domestic deposits to total assets | 90.4154% | 465 |
| Equity capital to assets | 9.0638% | 5,062 |
| Core capital (leverage) ratio | 9.3760% | 4,361 |
| Tier 1 risk-based capital ratio | 11.9508% | 4,985 |
| Total risk-based capital ratio | 12.7976% | 5,130 |
| Memoranda: | ||
| Average total assets | $244,980,800 | 2,540 |
| Average earning assets | $226,386,600 | 2,534 |
| Average equity | $23,231,000 | 2,856 |
| Average total loans | $151,235,000 | 2,581 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1738% | 2,667 |
| Cost of funding earning assets | 0.5779% | 1,560 |
| Net interest margin | 3.5959% | 3,180 |
| Noninterest income to average assets | 0.5833% | 2,829 |
| Noninterest expense to average assets | 2.8904% | 2,880 |
| Loan and lease loss provision to assets | -0.0123% | 5,823 |
| Net operating income to assets | 0.8581% | 3,132 |
| Return on assets (ROA) | 0.8028% | 3,513 |
| Pretax return on assets | 0.9577% | 3,787 |
| Return on Equity (ROE) | 8.3629% | 2,900 |
| Retained earnings to average equity (ytd only) | 8.3629% | 1,107 |
| Net charge-offs to loans | 0.0878% | 2,289 |
| Credit loss provision to net charge-offs | -23.1579% | 4,898 |
| Earnings coverage of net charge-offs (x) | 19.1058% | 1,964 |
| Efficiency ratio | 74.0931% | 2,538 |
| Assets per employee ($millions) | 5.6107% | 1,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9157% | 5,142 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1307% | 5,228 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 67.0714% | 2,840 |
| Net loans and leases to deposits | 75.3907% | 3,384 |
| Net loans and leases to core deposits | 90.2441% | 2,439 |
| Total domestic deposits to total assets | 88.9652% | 1,042 |
| Equity capital to assets | 9.3880% | 4,898 |
| Core capital (leverage) ratio | 9.4884% | 4,318 |
| Tier 1 risk-based capital ratio | 11.6504% | 5,296 |
| Total risk-based capital ratio | 12.4264% | 5,455 |
| Memoranda: | ||
| Average total assets | $239,314,000 | 2,597 |
| Average earning assets | $220,801,750 | 2,599 |
| Average equity | $22,974,000 | 2,900 |
| Average total loans | $144,321,750 | 2,690 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1596% | 2,685 |
| Cost of funding earning assets | 0.5834% | 1,540 |
| Net interest margin | 3.5762% | 3,181 |
| Noninterest income to average assets | 0.6828% | 2,290 |
| Noninterest expense to average assets | 2.9788% | 2,621 |
| Loan and lease loss provision to assets | -0.0851% | 6,071 |
| Net operating income to assets | 0.9111% | 2,814 |
| Return on assets (ROA) | 0.8496% | 3,230 |
| Pretax return on assets | 1.0088% | 3,549 |
| Return on Equity (ROE) | 8.7810% | 2,670 |
| Retained earnings to average equity (ytd only) | 8.7810% | 997 |
| Net charge-offs to loans | -0.0030% | 4,643 |
| Credit loss provision to net charge-offs | 5,000.0000% | 89 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9251% | 2,548 |
| Assets per employee ($millions) | 5.4555% | 1,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0913% | 4,366 |
| Loan loss allowance to noncurrent loans | 381.0096% | 1,313 |
| Noncurrent assets plus other real estate owned to assets | 0.1733% | 5,185 |
| Noncurrent loans to loans | 0.2864% | 4,657 |
| Net loans and leases to total assets | 59.8439% | 3,860 |
| Net loans and leases to deposits | 66.6147% | 4,279 |
| Net loans and leases to core deposits | 80.3573% | 3,350 |
| Total domestic deposits to total assets | 89.8359% | 735 |
| Equity capital to assets | 9.5767% | 4,564 |
| Core capital (leverage) ratio | 9.6860% | 4,016 |
| Tier 1 risk-based capital ratio | 12.1791% | 5,012 |
| Total risk-based capital ratio | 13.0156% | 5,207 |
| Memoranda: | ||
| Average total assets | $234,924,330 | 2,661 |
| Average earning assets | $216,321,000 | 2,655 |
| Average equity | $22,731,000 | 2,936 |
| Average total loans | $135,459,330 | 2,820 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1278% | 2,714 |
| Cost of funding earning assets | 0.5761% | 1,609 |
| Net interest margin | 3.5518% | 3,219 |
| Noninterest income to average assets | 0.7557% | 1,882 |
| Noninterest expense to average assets | 2.9161% | 2,850 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9536% | 2,486 |
| Return on assets (ROA) | 0.8263% | 3,258 |
| Pretax return on assets | 0.9606% | 3,645 |
| Return on Equity (ROE) | 8.4946% | 2,701 |
| Retained earnings to average equity (ytd only) | 8.4946% | 1,379 |
| Net charge-offs to loans | -0.0061% | 4,555 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4551% | 3,097 |
| Assets per employee ($millions) | 5.8137% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2476% | 3,705 |
| Loan loss allowance to noncurrent loans | 405.0481% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.1745% | 5,251 |
| Noncurrent loans to loans | 0.3080% | 4,685 |
| Net loans and leases to total assets | 55.9550% | 4,207 |
| Net loans and leases to deposits | 62.3506% | 4,539 |
| Net loans and leases to core deposits | 75.1520% | 3,671 |
| Total domestic deposits to total assets | 89.7425% | 879 |
| Equity capital to assets | 9.6726% | 4,544 |
| Core capital (leverage) ratio | 9.7415% | 3,966 |
| Tier 1 risk-based capital ratio | 12.8965% | 4,666 |
| Total risk-based capital ratio | 13.8587% | 4,754 |
| Memoranda: | ||
| Average total assets | $232,366,000 | 2,701 |
| Average earning assets | $213,865,500 | 2,693 |
| Average equity | $22,602,500 | 2,968 |
| Average total loans | $130,571,500 | 2,908 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1617% | 3,077 |
| Cost of funding earning assets | 0.6576% | 1,359 |
| Net interest margin | 3.5041% | 3,772 |
| Noninterest income to average assets | 0.4346% | 3,935 |
| Noninterest expense to average assets | 2.9250% | 3,066 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.7669% | 3,533 |
| Return on assets (ROA) | 0.6553% | 4,216 |
| Pretax return on assets | 0.6027% | 4,929 |
| Return on Equity (ROE) | 7.1820% | 3,532 |
| Retained earnings to average equity (ytd only) | 7.1820% | 1,324 |
| Net charge-offs to loans | -0.0042% | 5,446 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3710% | 1,871 |
| Assets per employee ($millions) | 5.3897% | 1,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3348% | 3,250 |
| Loan loss allowance to noncurrent loans | 404.5673% | 1,264 |
| Noncurrent assets plus other real estate owned to assets | 0.1838% | 5,296 |
| Noncurrent loans to loans | 0.3299% | 4,658 |
| Net loans and leases to total assets | 54.9541% | 4,458 |
| Net loans and leases to deposits | 62.8151% | 4,654 |
| Net loans and leases to core deposits | 74.4712% | 3,878 |
| Total domestic deposits to total assets | 87.4855% | 2,041 |
| Equity capital to assets | 9.7845% | 4,377 |
| Core capital (leverage) ratio | 10.0155% | 3,550 |
| Tier 1 risk-based capital ratio | 12.8639% | 4,816 |
| Total risk-based capital ratio | 13.8458% | 4,894 |
| Memoranda: | ||
| Average total assets | $226,629,200 | 2,726 |
| Average earning assets | $207,272,800 | 2,733 |
| Average equity | $20,676,600 | 3,084 |
| Average total loans | $120,230,200 | 3,035 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1256% | 3,272 |
| Cost of funding earning assets | 0.6831% | 1,237 |
| Net interest margin | 3.4425% | 4,053 |
| Noninterest income to average assets | 0.4135% | 4,150 |
| Noninterest expense to average assets | 2.8955% | 3,136 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7605% | 3,623 |
| Return on assets (ROA) | 0.6117% | 4,481 |
| Pretax return on assets | 0.5140% | 5,290 |
| Return on Equity (ROE) | 6.8278% | 3,800 |
| Retained earnings to average equity (ytd only) | 6.8278% | 1,910 |
| Net charge-offs to loans | -0.0045% | 5,284 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3719% | 1,695 |
| Assets per employee ($millions) | 5.1983% | 2,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3725% | 3,296 |
| Loan loss allowance to noncurrent loans | 404.3269% | 1,174 |
| Noncurrent assets plus other real estate owned to assets | 0.1905% | 5,454 |
| Noncurrent loans to loans | 0.3395% | 4,885 |
| Net loans and leases to total assets | 55.3592% | 4,413 |
| Net loans and leases to deposits | 61.8505% | 4,753 |
| Net loans and leases to core deposits | 73.4499% | 3,999 |
| Total domestic deposits to total assets | 89.5047% | 980 |
| Equity capital to assets | 9.8646% | 4,336 |
| Core capital (leverage) ratio | 9.9185% | 3,783 |
| Tier 1 risk-based capital ratio | 12.8204% | 4,964 |
| Total risk-based capital ratio | 13.8239% | 5,061 |
| Memoranda: | ||
| Average total assets | $226,694,250 | 2,744 |
| Average earning assets | $207,092,750 | 2,757 |
| Average equity | $20,308,500 | 3,136 |
| Average total loans | $118,767,250 | 3,086 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1060% | 3,317 |
| Cost of funding earning assets | 0.7284% | 1,028 |
| Net interest margin | 3.3776% | 4,271 |
| Noninterest income to average assets | 0.4148% | 4,134 |
| Noninterest expense to average assets | 2.8673% | 3,280 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7861% | 3,399 |
| Return on assets (ROA) | 0.5621% | 4,639 |
| Pretax return on assets | 0.4070% | 5,541 |
| Return on Equity (ROE) | 6.4827% | 3,890 |
| Retained earnings to average equity (ytd only) | 6.4827% | 2,046 |
| Net charge-offs to loans | -0.0051% | 5,183 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9631% | 1,753 |
| Assets per employee ($millions) | 5.4888% | 1,700 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3918% | 3,398 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 52.8919% | 4,652 |
| Net loans and leases to deposits | 58.6610% | 4,983 |
| Net loans and leases to core deposits | 68.2909% | 4,438 |
| Total domestic deposits to total assets | 90.1654% | 729 |
| Equity capital to assets | 9.3160% | 4,966 |
| Core capital (leverage) ratio | 8.9575% | 5,084 |
| Tier 1 risk-based capital ratio | 12.7019% | 5,085 |
| Total risk-based capital ratio | 13.7147% | 5,172 |
| Memoranda: | ||
| Average total assets | $229,483,330 | 2,734 |
| Average earning assets | $209,497,000 | 2,746 |
| Average equity | $19,899,000 | 3,179 |
| Average total loans | $117,507,670 | 3,113 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1259% | 3,181 |
| Cost of funding earning assets | 0.7180% | 1,134 |
| Net interest margin | 3.4079% | 4,083 |
| Noninterest income to average assets | 0.4834% | 3,542 |
| Noninterest expense to average assets | 2.8916% | 3,242 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8649% | 2,827 |
| Return on assets (ROA) | 0.6129% | 4,214 |
| Pretax return on assets | 0.4454% | 5,321 |
| Return on Equity (ROE) | 7.3324% | 3,296 |
| Retained earnings to average equity (ytd only) | 7.3324% | 1,892 |
| Net charge-offs to loans | -0.0035% | 4,759 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5676% | 2,123 |
| Assets per employee ($millions) | 5.7004% | 1,535 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4188% | 3,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 48.6964% | 5,038 |
| Net loans and leases to deposits | 55.4136% | 5,162 |
| Net loans and leases to core deposits | 63.7706% | 4,707 |
| Total domestic deposits to total assets | 87.8781% | 2,299 |
| Equity capital to assets | 8.3883% | 5,753 |
| Core capital (leverage) ratio | 9.1197% | 4,836 |
| Tier 1 risk-based capital ratio | 13.0404% | 4,982 |
| Total risk-based capital ratio | 14.0866% | 5,047 |
| Memoranda: | ||
| Average total assets | $231,704,000 | 2,726 |
| Average earning assets | $211,153,500 | 2,737 |
| Average equity | $19,366,000 | 3,243 |
| Average total loans | $115,907,000 | 3,155 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9176% | 4,397 |
| Cost of funding earning assets | 0.6589% | 2,138 |
| Net interest margin | 3.2587% | 4,812 |
| Noninterest income to average assets | 0.4131% | 4,354 |
| Noninterest expense to average assets | 2.6980% | 4,102 |
| Loan and lease loss provision to assets | -0.0442% | 6,366 |
| Net operating income to assets | 0.7987% | 3,294 |
| Return on assets (ROA) | 0.8102% | 3,338 |
| Pretax return on assets | 0.7665% | 4,275 |
| Return on Equity (ROE) | 9.4099% | 2,365 |
| Retained earnings to average equity (ytd only) | 9.4099% | 676 |
| Net charge-offs to loans | 0.0144% | 5,162 |
| Credit loss provision to net charge-offs | -666.6667% | 6,177 |
| Earnings coverage of net charge-offs (x) | 107.2667% | 438 |
| Efficiency ratio | 79.1472% | 2,297 |
| Assets per employee ($millions) | 5.4632% | 1,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4778% | 3,296 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 49.9442% | 5,087 |
| Net loans and leases to deposits | 56.9525% | 5,212 |
| Net loans and leases to core deposits | 66.6091% | 4,645 |
| Total domestic deposits to total assets | 87.6945% | 2,363 |
| Equity capital to assets | 8.3258% | 5,762 |
| Core capital (leverage) ratio | 9.0854% | 4,881 |
| Tier 1 risk-based capital ratio | 13.5002% | 4,652 |
| Total risk-based capital ratio | 14.5857% | 4,706 |
| Memoranda: | ||
| Average total assets | $226,356,000 | 2,752 |
| Average earning assets | $208,088,200 | 2,743 |
| Average equity | $19,490,200 | 3,209 |
| Average total loans | $104,041,400 | 3,365 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8474% | 4,676 |
| Cost of funding earning assets | 0.6308% | 2,539 |
| Net interest margin | 3.2165% | 4,943 |
| Noninterest income to average assets | 0.4060% | 4,485 |
| Noninterest expense to average assets | 2.7542% | 3,817 |
| Loan and lease loss provision to assets | -0.0587% | 6,562 |
| Net operating income to assets | 0.6750% | 3,983 |
| Return on assets (ROA) | 0.9065% | 2,910 |
| Pretax return on assets | 0.9130% | 3,826 |
| Return on Equity (ROE) | 10.4428% | 2,026 |
| Retained earnings to average equity (ytd only) | 10.4428% | 701 |
| Net charge-offs to loans | 0.0197% | 4,739 |
| Credit loss provision to net charge-offs | -666.6667% | 6,109 |
| Earnings coverage of net charge-offs (x) | 70.3980% | 663 |
| Efficiency ratio | 81.6156% | 1,880 |
| Assets per employee ($millions) | 5.9456% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5339% | 3,317 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 46.4257% | 5,501 |
| Net loans and leases to deposits | 52.6388% | 5,662 |
| Net loans and leases to core deposits | 60.8882% | 5,232 |
| Total domestic deposits to total assets | 88.1968% | 2,001 |
| Equity capital to assets | 7.8567% | 6,229 |
| Core capital (leverage) ratio | 9.0500% | 5,049 |
| Tier 1 risk-based capital ratio | 13.4811% | 4,769 |
| Total risk-based capital ratio | 14.5808% | 4,822 |
| Memoranda: | ||
| Average total assets | $226,947,500 | 2,772 |
| Average earning assets | $209,454,500 | 2,748 |
| Average equity | $19,700,500 | 3,218 |
| Average total loans | $101,664,750 | 3,438 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8368% | 4,706 |
| Cost of funding earning assets | 0.5822% | 3,103 |
| Net interest margin | 3.2546% | 4,755 |
| Noninterest income to average assets | 0.4066% | 4,478 |
| Noninterest expense to average assets | 2.7705% | 3,780 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6293% | 4,163 |
| Return on assets (ROA) | 0.9720% | 2,600 |
| Pretax return on assets | 1.0013% | 3,506 |
| Return on Equity (ROE) | 10.8444% | 1,864 |
| Retained earnings to average equity (ytd only) | 10.8444% | 674 |
| Net charge-offs to loans | -0.0020% | 5,531 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0439% | 2,020 |
| Assets per employee ($millions) | 5.6834% | 1,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7892% | 2,466 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 43.3176% | 5,798 |
| Net loans and leases to deposits | 49.2028% | 5,907 |
| Net loans and leases to core deposits | 57.0852% | 5,518 |
| Total domestic deposits to total assets | 88.0388% | 2,218 |
| Equity capital to assets | 7.9834% | 6,209 |
| Core capital (leverage) ratio | 9.0018% | 4,983 |
| Tier 1 risk-based capital ratio | 14.6913% | 3,976 |
| Total risk-based capital ratio | 15.9415% | 3,939 |
| Memoranda: | ||
| Average total assets | $225,304,000 | 2,788 |
| Average earning assets | $208,508,000 | 2,765 |
| Average equity | $20,194,670 | 3,189 |
| Average total loans | $99,110,330 | 3,512 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7879% | 4,864 |
| Cost of funding earning assets | 0.5368% | 3,708 |
| Net interest margin | 3.2512% | 4,729 |
| Noninterest income to average assets | 0.3406% | 4,969 |
| Noninterest expense to average assets | 2.7839% | 3,754 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5641% | 4,389 |
| Return on assets (ROA) | 1.0041% | 2,319 |
| Pretax return on assets | 1.0504% | 3,143 |
| Return on Equity (ROE) | 10.6139% | 1,832 |
| Retained earnings to average equity (ytd only) | 10.6139% | 958 |
| Net charge-offs to loans | -0.0041% | 5,227 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.4617% | 1,970 |
| Assets per employee ($millions) | 6.0491% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7889% | 2,652 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 42.8245% | 5,771 |
| Net loans and leases to deposits | 51.2490% | 5,687 |
| Net loans and leases to core deposits | 57.5907% | 5,373 |
| Total domestic deposits to total assets | 83.5616% | 4,642 |
| Equity capital to assets | 9.0549% | 5,420 |
| Core capital (leverage) ratio | 9.0358% | 4,827 |
| Tier 1 risk-based capital ratio | 14.9878% | 3,843 |
| Total risk-based capital ratio | 16.2389% | 3,804 |
| Memoranda: | ||
| Average total assets | $224,288,500 | 2,829 |
| Average earning assets | $209,401,000 | 2,780 |
| Average equity | $21,217,500 | 3,109 |
| Average total loans | $98,530,500 | 3,548 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0687% | 5,060 |
| Cost of funding earning assets | 0.6432% | 3,978 |
| Net interest margin | 3.4255% | 4,796 |
| Noninterest income to average assets | 0.4979% | 3,922 |
| Noninterest expense to average assets | 2.9681% | 3,392 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4998% | 4,697 |
| Return on assets (ROA) | 1.5959% | 846 |
| Pretax return on assets | 2.1827% | 427 |
| Return on Equity (ROE) | 16.3154% | 615 |
| Retained earnings to average equity (ytd only) | 16.3154% | 114 |
| Net charge-offs to loans | 0.0354% | 5,429 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 42.6250% | 759 |
| Efficiency ratio | 81.3355% | 1,966 |
| Assets per employee ($millions) | 5.7556% | 1,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8507% | 2,436 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 43.4533% | 5,866 |
| Net loans and leases to deposits | 53.8072% | 5,670 |
| Net loans and leases to core deposits | 55.2306% | 5,777 |
| Total domestic deposits to total assets | 80.7574% | 5,470 |
| Equity capital to assets | 9.8856% | 4,331 |
| Core capital (leverage) ratio | 9.1135% | 4,717 |
| Tier 1 risk-based capital ratio | 15.2627% | 3,568 |
| Total risk-based capital ratio | 16.5173% | 3,515 |
| Memoranda: | ||
| Average total assets | $200,259,600 | 3,040 |
| Average earning assets | $184,238,000 | 3,037 |
| Average equity | $19,588,800 | 3,253 |
| Average total loans | $90,462,800 | 3,736 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1908% | 4,848 |
| Cost of funding earning assets | 0.6780% | 3,953 |
| Net interest margin | 3.5127% | 4,591 |
| Noninterest income to average assets | 0.5166% | 3,821 |
| Noninterest expense to average assets | 3.0285% | 3,133 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5305% | 4,707 |
| Return on assets (ROA) | 1.8250% | 603 |
| Pretax return on assets | 2.4574% | 316 |
| Return on Equity (ROE) | 18.7130% | 423 |
| Retained earnings to average equity (ytd only) | 18.7130% | 101 |
| Net charge-offs to loans | 0.0480% | 4,978 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 32.4654% | 1,030 |
| Efficiency ratio | 81.0505% | 1,925 |
| Assets per employee ($millions) | 5.6103% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0273% | 2,093 |
| Loan loss allowance to noncurrent loans | 159.8573% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.5258% | 5,360 |
| Noncurrent loans to loans | 1.2682% | 3,934 |
| Net loans and leases to total assets | 40.6207% | 6,234 |
| Net loans and leases to deposits | 50.9379% | 6,044 |
| Net loans and leases to core deposits | 52.3671% | 6,162 |
| Total domestic deposits to total assets | 79.7455% | 5,718 |
| Equity capital to assets | 9.8836% | 4,663 |
| Core capital (leverage) ratio | 9.0018% | 5,067 |
| Tier 1 risk-based capital ratio | 16.5365% | 2,976 |
| Total risk-based capital ratio | 17.7910% | 2,947 |
| Memoranda: | ||
| Average total assets | $195,646,250 | 3,131 |
| Average earning assets | $179,342,500 | 3,134 |
| Average equity | $19,080,750 | 3,347 |
| Average total loans | $88,871,000 | 3,820 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3178% | 4,494 |
| Cost of funding earning assets | 0.7194% | 3,859 |
| Net interest margin | 3.5984% | 4,269 |
| Noninterest income to average assets | 0.6112% | 3,188 |
| Noninterest expense to average assets | 3.1697% | 2,691 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5201% | 4,720 |
| Return on assets (ROA) | 1.7366% | 706 |
| Pretax return on assets | 2.4437% | 322 |
| Return on Equity (ROE) | 17.8962% | 522 |
| Retained earnings to average equity (ytd only) | 17.8962% | 146 |
| Net charge-offs to loans | 0.0067% | 5,392 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 231.0000% | 187 |
| Efficiency ratio | 81.2753% | 1,993 |
| Assets per employee ($millions) | 5.1482% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0187% | 2,182 |
| Loan loss allowance to noncurrent loans | 161.7229% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.5608% | 5,357 |
| Noncurrent loans to loans | 1.2483% | 4,055 |
| Net loans and leases to total assets | 44.0201% | 6,011 |
| Net loans and leases to deposits | 52.7316% | 5,976 |
| Net loans and leases to core deposits | 54.1287% | 6,089 |
| Total domestic deposits to total assets | 83.4795% | 4,539 |
| Equity capital to assets | 9.6623% | 4,805 |
| Core capital (leverage) ratio | 9.1054% | 4,757 |
| Tier 1 risk-based capital ratio | 15.9636% | 3,185 |
| Total risk-based capital ratio | 17.2185% | 3,150 |
| Memoranda: | ||
| Average total assets | $189,797,670 | 3,218 |
| Average earning assets | $173,466,670 | 3,225 |
| Average equity | $18,417,330 | 3,441 |
| Average total loans | $89,030,670 | 3,830 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5294% | 3,798 |
| Cost of funding earning assets | 0.7811% | 3,621 |
| Net interest margin | 3.7483% | 3,604 |
| Noninterest income to average assets | 0.6012% | 3,229 |
| Noninterest expense to average assets | 3.3531% | 2,134 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.4653% | 4,976 |
| Return on assets (ROA) | 1.0678% | 2,412 |
| Pretax return on assets | 1.5127% | 1,842 |
| Return on Equity (ROE) | 10.9785% | 2,027 |
| Retained earnings to average equity (ytd only) | 10.9785% | 1,033 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4684% | 1,741 |
| Assets per employee ($millions) | 4.6410% | 2,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0705% | 2,169 |
| Loan loss allowance to noncurrent loans | 161.2732% | 2,017 |
| Noncurrent assets plus other real estate owned to assets | 0.6092% | 5,368 |
| Noncurrent loans to loans | 1.2839% | 4,189 |
| Net loans and leases to total assets | 46.4719% | 5,734 |
| Net loans and leases to deposits | 53.7809% | 5,828 |
| Net loans and leases to core deposits | 54.9546% | 5,988 |
| Total domestic deposits to total assets | 86.4096% | 3,298 |
| Equity capital to assets | 9.9710% | 4,156 |
| Core capital (leverage) ratio | 8.7240% | 5,258 |
| Tier 1 risk-based capital ratio | 15.4109% | 3,497 |
| Total risk-based capital ratio | 16.6668% | 3,463 |
| Memoranda: | ||
| Average total assets | $184,306,000 | 3,314 |
| Average earning assets | $167,968,500 | 3,319 |
| Average equity | $17,926,000 | 3,514 |
| Average total loans | $88,443,500 | 3,871 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7567% | 4,003 |
| Cost of funding earning assets | 1.0094% | 3,299 |
| Net interest margin | 3.7473% | 4,093 |
| Noninterest income to average assets | 0.6224% | 3,050 |
| Noninterest expense to average assets | 3.4499% | 2,120 |
| Loan and lease loss provision to assets | 0.2397% | 3,810 |
| Net operating income to assets | 0.2099% | 5,564 |
| Return on assets (ROA) | 0.4550% | 4,825 |
| Pretax return on assets | 0.6814% | 4,401 |
| Return on Equity (ROE) | 4.8951% | 4,443 |
| Retained earnings to average equity (ytd only) | 4.8951% | 2,721 |
| Net charge-offs to loans | -0.0164% | 6,937 |
| Credit loss provision to net charge-offs | -2,957.1429% | 6,921 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1376% | 1,551 |
| Assets per employee ($millions) | 4.5743% | 2,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0542% | 2,114 |
| Loan loss allowance to noncurrent loans | 160.7048% | 2,004 |
| Noncurrent assets plus other real estate owned to assets | 0.6203% | 5,408 |
| Noncurrent loans to loans | 1.2783% | 4,236 |
| Net loans and leases to total assets | 47.5311% | 5,872 |
| Net loans and leases to deposits | 56.4748% | 5,842 |
| Net loans and leases to core deposits | 56.8711% | 6,089 |
| Total domestic deposits to total assets | 84.1632% | 4,252 |
| Equity capital to assets | 9.4779% | 4,918 |
| Core capital (leverage) ratio | 8.5894% | 5,417 |
| Tier 1 risk-based capital ratio | 14.9111% | 3,691 |
| Total risk-based capital ratio | 16.1674% | 3,658 |
| Memoranda: | ||
| Average total assets | $172,729,600 | 3,447 |
| Average earning assets | $155,927,200 | 3,477 |
| Average equity | $16,056,800 | 3,720 |
| Average total loans | $85,468,200 | 3,982 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8032% | 4,004 |
| Cost of funding earning assets | 1.0599% | 3,246 |
| Net interest margin | 3.7433% | 4,140 |
| Noninterest income to average assets | 0.6088% | 3,111 |
| Noninterest expense to average assets | 3.4953% | 1,954 |
| Loan and lease loss provision to assets | 0.3244% | 2,939 |
| Net operating income to assets | 0.0916% | 5,982 |
| Return on assets (ROA) | 0.3659% | 5,327 |
| Pretax return on assets | 0.5908% | 4,842 |
| Return on Equity (ROE) | 3.9570% | 5,011 |
| Retained earnings to average equity (ytd only) | 3.9570% | 3,901 |
| Net charge-offs to loans | -0.0236% | 6,939 |
| Credit loss provision to net charge-offs | -2,760.0000% | 6,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7804% | 1,364 |
| Assets per employee ($millions) | 4.4786% | 2,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1457% | 1,973 |
| Loan loss allowance to noncurrent loans | 160.7930% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 0.6498% | 5,513 |
| Noncurrent loans to loans | 1.3345% | 4,301 |
| Net loans and leases to total assets | 47.6495% | 5,999 |
| Net loans and leases to deposits | 57.0110% | 5,935 |
| Net loans and leases to core deposits | 57.7264% | 6,153 |
| Total domestic deposits to total assets | 83.5794% | 4,443 |
| Equity capital to assets | 9.7633% | 4,682 |
| Core capital (leverage) ratio | 8.3189% | 5,949 |
| Tier 1 risk-based capital ratio | 15.1151% | 3,598 |
| Total risk-based capital ratio | 16.3727% | 3,565 |
| Memoranda: | ||
| Average total assets | $170,168,750 | 3,514 |
| Average earning assets | $153,337,750 | 3,543 |
| Average equity | $15,735,500 | 3,783 |
| Average total loans | $84,637,000 | 4,042 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8733% | 3,742 |
| Cost of funding earning assets | 1.0997% | 3,241 |
| Net interest margin | 3.7736% | 3,919 |
| Noninterest income to average assets | 0.6035% | 3,114 |
| Noninterest expense to average assets | 3.5217% | 1,928 |
| Loan and lease loss provision to assets | 0.4909% | 2,006 |
| Net operating income to assets | -0.0165% | 6,250 |
| Return on assets (ROA) | 0.1375% | 6,010 |
| Pretax return on assets | 0.2253% | 5,868 |
| Return on Equity (ROE) | 1.5167% | 5,931 |
| Retained earnings to average equity (ytd only) | 1.5167% | 5,224 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1044% | 1,407 |
| Assets per employee ($millions) | 4.4828% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0888% | 2,138 |
| Loan loss allowance to noncurrent loans | 159.4714% | 1,864 |
| Noncurrent assets plus other real estate owned to assets | 0.6330% | 5,649 |
| Noncurrent loans to loans | 1.3098% | 4,455 |
| Net loans and leases to total assets | 47.3167% | 6,118 |
| Net loans and leases to deposits | 57.0794% | 6,041 |
| Net loans and leases to core deposits | 57.7292% | 6,291 |
| Total domestic deposits to total assets | 82.8962% | 4,800 |
| Equity capital to assets | 8.9325% | 5,675 |
| Core capital (leverage) ratio | 8.3612% | 5,768 |
| Tier 1 risk-based capital ratio | 14.1062% | 4,095 |
| Total risk-based capital ratio | 15.3637% | 4,055 |
| Memoranda: | ||
| Average total assets | $168,670,000 | 3,560 |
| Average earning assets | $151,684,000 | 3,601 |
| Average equity | $15,296,330 | 3,852 |
| Average total loans | $84,498,670 | 4,080 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9002% | 3,594 |
| Cost of funding earning assets | 1.1648% | 3,055 |
| Net interest margin | 3.7354% | 3,918 |
| Noninterest income to average assets | 0.5216% | 3,712 |
| Noninterest expense to average assets | 3.5996% | 1,771 |
| Loan and lease loss provision to assets | 0.2081% | 3,557 |
| Net operating income to assets | 0.0294% | 6,280 |
| Return on assets (ROA) | 0.0294% | 6,316 |
| Pretax return on assets | 0.0514% | 6,264 |
| Return on Equity (ROE) | 0.3214% | 6,301 |
| Retained earnings to average equity (ytd only) | 0.3214% | 5,680 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.2741% | 1,080 |
| Assets per employee ($millions) | 4.3930% | 3,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7516% | 3,169 |
| Loan loss allowance to noncurrent loans | 130.4846% | 2,251 |
| Noncurrent assets plus other real estate owned to assets | 0.6799% | 5,590 |
| Noncurrent loans to loans | 1.3424% | 4,469 |
| Net loans and leases to total assets | 49.7613% | 5,882 |
| Net loans and leases to deposits | 58.7529% | 5,853 |
| Net loans and leases to core deposits | 59.5468% | 6,133 |
| Total domestic deposits to total assets | 84.6958% | 4,185 |
| Equity capital to assets | 9.0197% | 5,176 |
| Core capital (leverage) ratio | 8.7272% | 5,041 |
| Tier 1 risk-based capital ratio | 13.8936% | 4,144 |
| Total risk-based capital ratio | 15.1469% | 4,119 |
| Memoranda: | ||
| Average total assets | $163,349,500 | 3,648 |
| Average earning assets | $145,953,500 | 3,714 |
| Average equity | $14,936,000 | 3,911 |
| Average total loans | $83,421,000 | 4,150 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9415% | 4,827 |
| Cost of funding earning assets | 1.4608% | 2,887 |
| Net interest margin | 3.4807% | 5,319 |
| Noninterest income to average assets | 0.4870% | 4,269 |
| Noninterest expense to average assets | 3.9400% | 1,252 |
| Loan and lease loss provision to assets | 0.4796% | 3,258 |
| Net operating income to assets | -0.5377% | 6,412 |
| Return on assets (ROA) | -0.2821% | 6,241 |
| Pretax return on assets | -0.4462% | 6,283 |
| Return on Equity (ROE) | -2.3934% | 6,218 |
| Retained earnings to average equity (ytd only) | -2.3934% | 6,026 |
| Net charge-offs to loans | 0.2998% | 4,518 |
| Credit loss provision to net charge-offs | 294.9772% | 911 |
| Earnings coverage of net charge-offs (x) | -2.2511% | 6,714 |
| Efficiency ratio | 110.2410% | 529 |
| Assets per employee ($millions) | 4.5647% | 2,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6964% | 3,228 |
| Loan loss allowance to noncurrent loans | 122.9956% | 2,382 |
| Noncurrent assets plus other real estate owned to assets | 0.7104% | 5,576 |
| Noncurrent loans to loans | 1.3792% | 4,419 |
| Net loans and leases to total assets | 50.6347% | 6,094 |
| Net loans and leases to deposits | 60.2362% | 6,033 |
| Net loans and leases to core deposits | 61.2352% | 6,298 |
| Total domestic deposits to total assets | 84.0602% | 4,338 |
| Equity capital to assets | 9.2731% | 4,715 |
| Core capital (leverage) ratio | 9.2666% | 4,079 |
| Tier 1 risk-based capital ratio | 13.9490% | 3,902 |
| Total risk-based capital ratio | 15.2010% | 3,868 |
| Memoranda: | ||
| Average total assets | $134,696,600 | 4,164 |
| Average earning assets | $119,458,400 | 4,245 |
| Average equity | $15,876,800 | 3,791 |
| Average total loans | $73,048,000 | 4,565 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0314% | 4,669 |
| Cost of funding earning assets | 1.5301% | 2,768 |
| Net interest margin | 3.5013% | 5,285 |
| Noninterest income to average assets | 0.4599% | 4,482 |
| Noninterest expense to average assets | 4.0280% | 1,023 |
| Loan and lease loss provision to assets | 0.2211% | 4,847 |
| Net operating income to assets | -0.4358% | 6,546 |
| Return on assets (ROA) | -0.3893% | 6,555 |
| Pretax return on assets | -0.6187% | 6,627 |
| Return on Equity (ROE) | -3.0974% | 6,502 |
| Retained earnings to average equity (ytd only) | -3.0974% | 6,364 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.2186% | 475 |
| Assets per employee ($millions) | 4.3226% | 3,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5871% | 3,577 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 49.8704% | 6,338 |
| Net loans and leases to deposits | 58.7890% | 6,401 |
| Net loans and leases to core deposits | 59.9900% | 6,598 |
| Total domestic deposits to total assets | 84.8295% | 3,708 |
| Equity capital to assets | 11.2745% | 2,721 |
| Core capital (leverage) ratio | 10.1031% | 3,145 |
| Tier 1 risk-based capital ratio | 15.6412% | 2,936 |
| Total risk-based capital ratio | 16.8921% | 2,891 |
| Memoranda: | ||
| Average total assets | $128,429,750 | 4,366 |
| Average earning assets | $113,629,750 | 4,442 |
| Average equity | $16,142,250 | 3,783 |
| Average total loans | $70,737,000 | 4,723 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1216% | 4,339 |
| Cost of funding earning assets | 1.5622% | 2,891 |
| Net interest margin | 3.5594% | 5,004 |
| Noninterest income to average assets | 0.4041% | 4,884 |
| Noninterest expense to average assets | 4.2110% | 807 |
| Loan and lease loss provision to assets | 0.1947% | 4,934 |
| Net operating income to assets | -0.5373% | 6,685 |
| Return on assets (ROA) | -0.4892% | 6,678 |
| Pretax return on assets | -0.7804% | 6,774 |
| Return on Equity (ROE) | -3.7376% | 6,596 |
| Retained earnings to average equity (ytd only) | -3.7376% | 6,410 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.6175% | 432 |
| Assets per employee ($millions) | 4.0718% | 3,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5703% | 3,584 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 50.7554% | 6,346 |
| Net loans and leases to deposits | 63.0314% | 6,136 |
| Net loans and leases to core deposits | 64.8258% | 6,330 |
| Total domestic deposits to total assets | 80.5239% | 5,554 |
| Equity capital to assets | 12.1590% | 2,005 |
| Core capital (leverage) ratio | 10.7325% | 2,444 |
| Tier 1 risk-based capital ratio | 15.6082% | 2,845 |
| Total risk-based capital ratio | 16.8247% | 2,828 |
| Memoranda: | ||
| Average total assets | $122,250,000 | 4,522 |
| Average earning assets | $108,051,670 | 4,609 |
| Average equity | $15,999,670 | 3,801 |
| Average total loans | $69,490,670 | 4,805 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0675% | 4,689 |
| Cost of funding earning assets | 1.5731% | 3,119 |
| Net interest margin | 3.4944% | 5,183 |
| Noninterest income to average assets | 0.2754% | 5,950 |
| Noninterest expense to average assets | 4.2413% | 774 |
| Loan and lease loss provision to assets | 0.1170% | 5,433 |
| Net operating income to assets | -0.6334% | 6,922 |
| Return on assets (ROA) | -0.6334% | 6,950 |
| Pretax return on assets | -1.0087% | 7,053 |
| Return on Equity (ROE) | -4.6493% | 6,863 |
| Retained earnings to average equity (ytd only) | -4.6493% | 6,559 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 126.6187% | 370 |
| Assets per employee ($millions) | 3.6463% | 4,708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 4,259 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 55.7379% | 5,785 |
| Net loans and leases to deposits | 67.3253% | 5,674 |
| Net loans and leases to core deposits | 70.2857% | 5,890 |
| Total domestic deposits to total assets | 82.7890% | 4,724 |
| Equity capital to assets | 12.7270% | 1,637 |
| Core capital (leverage) ratio | 12.0848% | 1,605 |
| Tier 1 risk-based capital ratio | 16.4800% | 2,462 |
| Total risk-based capital ratio | 17.6943% | 2,426 |
| Memoranda: | ||
| Average total assets | $116,190,000 | 4,718 |
| Average earning assets | $102,220,000 | 4,809 |
| Average equity | $15,830,500 | 3,861 |
| Average total loans | $69,592,000 | 4,878 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3592% | 4,898 |
| Cost of funding earning assets | 1.8170% | 3,900 |
| Net interest margin | 3.5422% | 4,769 |
| Noninterest income to average assets | 0.2484% | 6,326 |
| Noninterest expense to average assets | 5.5688% | 376 |
| Loan and lease loss provision to assets | 0.7259% | 2,936 |
| Net operating income to assets | -1.8968% | 7,048 |
| Return on assets (ROA) | -1.5580% | 6,892 |
| Pretax return on assets | -2.4890% | 7,140 |
| Return on Equity (ROE) | -7.7229% | 6,445 |
| Retained earnings to average equity (ytd only) | -7.7229% | 6,313 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 169.9669% | 223 |
| Assets per employee ($millions) | 3.6136% | 4,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4027% | 4,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 62.8299% | 4,847 |
| Net loans and leases to deposits | 74.1170% | 5,020 |
| Net loans and leases to core deposits | 94.8173% | 4,584 |
| Total domestic deposits to total assets | 84.7713% | 3,670 |
| Equity capital to assets | 14.6513% | 987 |
| Core capital (leverage) ratio | 13.7396% | 1,032 |
| Tier 1 risk-based capital ratio | 17.9989% | 1,899 |
| Total risk-based capital ratio | 19.2486% | 1,860 |
| Memoranda: | ||
| Average total assets | $82,926,200 | 5,636 |
| Average earning assets | $70,887,400 | 5,782 |
| Average equity | $16,729,400 | 3,726 |
| Average total loans | $52,758,800 | 5,554 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3286% | 5,288 |
| Cost of funding earning assets | 1.8091% | 4,348 |
| Net interest margin | 3.5195% | 4,788 |
| Noninterest income to average assets | 0.2543% | 6,413 |
| Noninterest expense to average assets | 5.8048% | 328 |
| Loan and lease loss provision to assets | 0.8220% | 2,319 |
| Net operating income to assets | -2.1244% | 7,368 |
| Return on assets (ROA) | -2.0464% | 7,336 |
| Pretax return on assets | -3.2725% | 7,567 |
| Return on Equity (ROE) | -9.2476% | 6,829 |
| Retained earnings to average equity (ytd only) | -9.2476% | 6,727 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 179.5797% | 202 |
| Assets per employee ($millions) | 3.2302% | 5,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3018% | 4,487 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 65.6406% | 4,499 |
| Net loans and leases to deposits | 85.9221% | 3,330 |
| Net loans and leases to core deposits | 109.1588% | 3,332 |
| Total domestic deposits to total assets | 76.3954% | 6,498 |
| Equity capital to assets | 17.0094% | 631 |
| Core capital (leverage) ratio | 16.4085% | 623 |
| Tier 1 risk-based capital ratio | 20.3018% | 1,499 |
| Total risk-based capital ratio | 21.4904% | 1,468 |
| Memoranda: | ||
| Average total assets | $76,556,000 | 5,858 |
| Average earning assets | $64,780,500 | 6,014 |
| Average equity | $16,941,000 | 3,715 |
| Average total loans | $48,678,250 | 5,772 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2908% | 5,694 |
| Cost of funding earning assets | 1.8196% | 4,666 |
| Net interest margin | 3.4712% | 4,933 |
| Noninterest income to average assets | 0.3096% | 6,033 |
| Noninterest expense to average assets | 6.2374% | 297 |
| Loan and lease loss provision to assets | 1.0205% | 1,658 |
| Net operating income to assets | -2.5282% | 7,566 |
| Return on assets (ROA) | -2.5282% | 7,556 |
| Pretax return on assets | -4.0445% | 7,758 |
| Return on Equity (ROE) | -10.3196% | 7,060 |
| Retained earnings to average equity (ytd only) | -10.3196% | 6,904 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 194.1124% | 212 |
| Assets per employee ($millions) | 2.7744% | 6,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3016% | 4,263 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 65.8697% | 4,586 |
| Net loans and leases to deposits | 88.0693% | 3,158 |
| Net loans and leases to core deposits | 111.7785% | 3,158 |
| Total domestic deposits to total assets | 74.7930% | 6,802 |
| Equity capital to assets | 20.1235% | 377 |
| Core capital (leverage) ratio | 19.3647% | 395 |
| Tier 1 risk-based capital ratio | 22.1023% | 1,240 |
| Total risk-based capital ratio | 23.1860% | 1,239 |
| Memoranda: | ||
| Average total assets | $69,773,000 | 6,085 |
| Average earning assets | $58,365,330 | 6,295 |
| Average equity | $17,093,670 | 3,693 |
| Average total loans | $43,421,670 | 6,047 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0704% | 6,740 |
| Cost of funding earning assets | 1.6773% | 5,708 |
| Net interest margin | 3.3931% | 5,168 |
| Noninterest income to average assets | 0.3109% | 5,952 |
| Noninterest expense to average assets | 6.5795% | 232 |
| Loan and lease loss provision to assets | 1.4149% | 899 |
| Net operating income to assets | -3.0518% | 7,854 |
| Return on assets (ROA) | -3.0518% | 7,855 |
| Pretax return on assets | -4.8855% | 7,976 |
| Return on Equity (ROE) | -11.1433% | 7,434 |
| Retained earnings to average equity (ytd only) | -11.1433% | 7,218 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 211.6327% | 169 |
| Assets per employee ($millions) | 2.2582% | 7,636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3012% | 4,067 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 61.9293% | 5,344 |
| Net loans and leases to deposits | 87.5739% | 3,363 |
| Net loans and leases to core deposits | 116.3296% | 2,769 |
| Total domestic deposits to total assets | 70.7167% | 7,363 |
| Equity capital to assets | 23.6276% | 257 |
| Core capital (leverage) ratio | 26.2791% | 198 |
| Tier 1 risk-based capital ratio | 25.4648% | 937 |
| Total risk-based capital ratio | 26.4450% | 940 |
| Memoranda: | ||
| Average total assets | $63,044,000 | 6,356 |
| Average earning assets | $51,988,500 | 6,574 |
| Average equity | $17,266,000 | 3,683 |
| Average total loans | $37,359,000 | 6,362 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0410% | 8,172 |
| Cost of funding earning assets | 0.8689% | 8,098 |
| Net interest margin | 2.1721% | 7,973 |
| Noninterest income to average assets | 0.4605% | 4,964 |
| Noninterest expense to average assets | 10.8823% | 124 |
| Loan and lease loss provision to assets | 0.9713% | 1,517 |
| Net operating income to assets | -6.0419% | 8,155 |
| Return on assets (ROA) | -6.0419% | 8,148 |
| Pretax return on assets | -9.6464% | 8,240 |
| Return on Equity (ROE) | -12.7928% | 7,486 |
| Retained earnings to average equity (ytd only) | -12.7928% | 7,316 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 493.0456% | 48 |
| Assets per employee ($millions) | 2.0702% | 7,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2493% | 4,155 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 53.8950% | 6,668 |
| Net loans and leases to deposits | 80.2995% | 4,994 |
| Net loans and leases to core deposits | 116.7787% | 3,029 |
| Total domestic deposits to total assets | 67.1175% | 7,561 |
| Equity capital to assets | 32.4347% | 145 |
| Core capital (leverage) ratio | 39.7716% | 112 |
| Tier 1 risk-based capital ratio | 37.9873% | 371 |
| Total risk-based capital ratio | 38.8575% | 374 |
| Memoranda: | ||
| Average total assets | $37,786,000 | 7,316 |
| Average earning assets | $30,384,670 | 7,496 |
| Average equity | $17,846,000 | 3,577 |
| Average total loans | $17,680,000 | 7,485 |