Home > Gulfshore Bank > Performance and Condition Ratios
Gulfshore Bank, 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 | 3.8192% | 3,693 |
| Cost of funding earning assets | 0.4934% | 2,146 |
| Net interest margin | 3.3258% | 3,927 |
| Noninterest income to average assets | 0.1922% | 5,121 |
| Noninterest expense to average assets | 2.2804% | 4,455 |
| Loan and lease loss provision to assets | 0.0716% | 2,371 |
| Net operating income to assets | 0.6387% | 3,985 |
| Return on assets (ROA) | 0.6387% | 4,025 |
| Pretax return on assets | 1.0029% | 3,359 |
| Return on Equity (ROE) | 5.9485% | 3,944 |
| Retained earnings to average equity (ytd only) | 5.9485% | 2,375 |
| Net charge-offs to loans | -0.0015% | 3,985 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9715% | 3,202 |
| Assets per employee ($millions) | 6.8476% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1152% | 3,621 |
| Loan loss allowance to noncurrent loans | 139.6318% | 2,955 |
| Noncurrent assets plus other real estate owned to assets | 0.6066% | 2,823 |
| Noncurrent loans to loans | 0.7987% | 2,461 |
| Net loans and leases to total assets | 74.6370% | 1,637 |
| Net loans and leases to deposits | 88.0072% | 1,794 |
| Net loans and leases to core deposits | 95.9400% | 1,825 |
| Total domestic deposits to total assets | 84.8078% | 3,168 |
| Equity capital to assets | 10.5874% | 3,079 |
| Core capital (leverage) ratio | 10.7989% | 2,600 |
| Tier 1 risk-based capital ratio | 12.5439% | 4,364 |
| Total risk-based capital ratio | 13.5408% | 4,417 |
| Memoranda: | ||
| Average total assets | $335,030,000 | 2,019 |
| Average earning assets | $318,600,500 | 1,972 |
| Average equity | $35,975,500 | 2,032 |
| Average total loans | $260,351,500 | 1,769 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6684% | 4,315 |
| Cost of funding earning assets | 0.5071% | 2,034 |
| Net interest margin | 3.1614% | 4,559 |
| Noninterest income to average assets | 0.2881% | 4,675 |
| Noninterest expense to average assets | 2.4947% | 4,030 |
| Loan and lease loss provision to assets | 0.1442% | 1,735 |
| Net operating income to assets | 0.4239% | 4,864 |
| Return on assets (ROA) | 0.4225% | 4,952 |
| Pretax return on assets | 0.6526% | 4,649 |
| Return on Equity (ROE) | 3.7927% | 4,902 |
| Retained earnings to average equity (ytd only) | 3.7927% | 3,216 |
| Net charge-offs to loans | 0.0059% | 4,052 |
| Credit loss provision to net charge-offs | 3,250.0000% | 133 |
| Earnings coverage of net charge-offs (x) | 180.0714% | 364 |
| Efficiency ratio | 75.7410% | 2,022 |
| Assets per employee ($millions) | 6.4251% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 3,853 |
| Loan loss allowance to noncurrent loans | 132.5035% | 3,063 |
| Noncurrent assets plus other real estate owned to assets | 0.6537% | 2,762 |
| Noncurrent loans to loans | 0.8117% | 2,491 |
| Net loans and leases to total assets | 79.1803% | 1,009 |
| Net loans and leases to deposits | 94.1559% | 1,182 |
| Net loans and leases to core deposits | 103.9508% | 1,286 |
| Total domestic deposits to total assets | 84.0948% | 3,389 |
| Equity capital to assets | 10.8954% | 2,718 |
| Core capital (leverage) ratio | 10.8195% | 2,517 |
| Tier 1 risk-based capital ratio | 12.2210% | 4,560 |
| Total risk-based capital ratio | 13.1862% | 4,656 |
| Memoranda: | ||
| Average total assets | $315,506,800 | 2,091 |
| Average earning assets | $299,963,800 | 2,043 |
| Average equity | $35,146,200 | 2,065 |
| Average total loans | $237,966,600 | 1,856 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6347% | 4,447 |
| Cost of funding earning assets | 0.5093% | 2,021 |
| Net interest margin | 3.1254% | 4,705 |
| Noninterest income to average assets | 0.3081% | 4,568 |
| Noninterest expense to average assets | 2.3823% | 4,328 |
| Loan and lease loss provision to assets | 0.1711% | 1,328 |
| Net operating income to assets | 0.4692% | 4,804 |
| Return on assets (ROA) | 0.4672% | 4,888 |
| Pretax return on assets | 0.7211% | 4,552 |
| Return on Equity (ROE) | 4.1705% | 4,841 |
| Retained earnings to average equity (ytd only) | 4.1705% | 3,350 |
| Net charge-offs to loans | 0.0086% | 3,626 |
| Credit loss provision to net charge-offs | 2,673.3333% | 187 |
| Earnings coverage of net charge-offs (x) | 139.8630% | 496 |
| Efficiency ratio | 72.6858% | 2,475 |
| Assets per employee ($millions) | 6.4937% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0952% | 3,857 |
| Loan loss allowance to noncurrent loans | 120.8388% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.6948% | 2,833 |
| Noncurrent loans to loans | 0.9063% | 2,431 |
| Net loans and leases to total assets | 75.4239% | 1,633 |
| Net loans and leases to deposits | 89.4945% | 1,823 |
| Net loans and leases to core deposits | 101.2653% | 1,533 |
| Total domestic deposits to total assets | 84.2777% | 3,106 |
| Equity capital to assets | 10.7546% | 3,305 |
| Core capital (leverage) ratio | 10.7551% | 2,723 |
| Tier 1 risk-based capital ratio | 13.0814% | 4,111 |
| Total risk-based capital ratio | 14.1013% | 4,164 |
| Memoranda: | ||
| Average total assets | $312,463,500 | 2,105 |
| Average earning assets | $296,870,000 | 2,065 |
| Average equity | $35,007,250 | 2,089 |
| Average total loans | $231,888,500 | 1,896 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6501% | 4,447 |
| Cost of funding earning assets | 0.5141% | 1,993 |
| Net interest margin | 3.1360% | 4,738 |
| Noninterest income to average assets | 0.3155% | 4,521 |
| Noninterest expense to average assets | 2.4067% | 4,313 |
| Loan and lease loss provision to assets | 0.1744% | 1,265 |
| Net operating income to assets | 0.4615% | 4,831 |
| Return on assets (ROA) | 0.4585% | 4,929 |
| Pretax return on assets | 0.7060% | 4,600 |
| Return on Equity (ROE) | 4.0340% | 4,899 |
| Retained earnings to average equity (ytd only) | 4.0340% | 3,337 |
| Net charge-offs to loans | -0.0027% | 4,405 |
| Credit loss provision to net charge-offs | -8,900.0000% | 5,364 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1151% | 2,497 |
| Assets per employee ($millions) | 6.8802% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 3,741 |
| Loan loss allowance to noncurrent loans | 112.9582% | 3,453 |
| Noncurrent assets plus other real estate owned to assets | 0.7413% | 2,758 |
| Noncurrent loans to loans | 1.0058% | 2,277 |
| Net loans and leases to total assets | 72.8573% | 2,030 |
| Net loans and leases to deposits | 86.9945% | 2,129 |
| Net loans and leases to core deposits | 99.1473% | 1,703 |
| Total domestic deposits to total assets | 83.7492% | 3,367 |
| Equity capital to assets | 11.1410% | 2,906 |
| Core capital (leverage) ratio | 11.3878% | 2,070 |
| Tier 1 risk-based capital ratio | 13.9422% | 3,638 |
| Total risk-based capital ratio | 14.9955% | 3,669 |
| Memoranda: | ||
| Average total assets | $306,225,000 | 2,139 |
| Average earning assets | $290,622,330 | 2,111 |
| Average equity | $34,804,000 | 2,099 |
| Average total loans | $225,000,000 | 1,951 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7027% | 4,315 |
| Cost of funding earning assets | 0.5288% | 1,876 |
| Net interest margin | 3.1739% | 4,662 |
| Noninterest income to average assets | 0.2179% | 5,178 |
| Noninterest expense to average assets | 2.5760% | 3,824 |
| Loan and lease loss provision to assets | 0.1116% | 1,870 |
| Net operating income to assets | 0.3489% | 5,151 |
| Return on assets (ROA) | 0.3481% | 5,243 |
| Pretax return on assets | 0.5354% | 4,996 |
| Return on Equity (ROE) | 3.0310% | 5,224 |
| Retained earnings to average equity (ytd only) | 3.0310% | 3,997 |
| Net charge-offs to loans | -0.0018% | 4,113 |
| Credit loss provision to net charge-offs | -8,400.0000% | 5,059 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8929% | 1,619 |
| Assets per employee ($millions) | 6.5545% | 1,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1009% | 4,039 |
| Loan loss allowance to noncurrent loans | 156.8066% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 0.7084% | 2,941 |
| Noncurrent loans to loans | 0.7021% | 3,090 |
| Net loans and leases to total assets | 73.4449% | 1,816 |
| Net loans and leases to deposits | 88.2565% | 1,801 |
| Net loans and leases to core deposits | 99.3628% | 1,530 |
| Total domestic deposits to total assets | 83.2175% | 3,818 |
| Equity capital to assets | 11.5388% | 2,408 |
| Core capital (leverage) ratio | 11.5143% | 1,961 |
| Tier 1 risk-based capital ratio | 14.2829% | 3,506 |
| Total risk-based capital ratio | 15.2991% | 3,590 |
| Memoranda: | ||
| Average total assets | $301,092,500 | 2,181 |
| Average earning assets | $285,200,000 | 2,153 |
| Average equity | $34,576,000 | 2,113 |
| Average total loans | $220,882,000 | 1,978 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4200% | 5,116 |
| Cost of funding earning assets | 0.5309% | 1,919 |
| Net interest margin | 2.8890% | 5,351 |
| Noninterest income to average assets | 0.2545% | 5,071 |
| Noninterest expense to average assets | 2.3543% | 4,635 |
| Loan and lease loss provision to assets | 0.0965% | 2,378 |
| Net operating income to assets | 0.3513% | 5,212 |
| Return on assets (ROA) | 0.3513% | 5,303 |
| Pretax return on assets | 0.5541% | 4,978 |
| Return on Equity (ROE) | 3.1411% | 5,254 |
| Retained earnings to average equity (ytd only) | 3.1411% | 3,819 |
| Net charge-offs to loans | 0.1164% | 2,211 |
| Credit loss provision to net charge-offs | 120.1717% | 2,146 |
| Earnings coverage of net charge-offs (x) | 8.0987% | 2,997 |
| Efficiency ratio | 78.3477% | 1,915 |
| Assets per employee ($millions) | 6.5365% | 1,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0924% | 4,088 |
| Loan loss allowance to noncurrent loans | 147.5511% | 2,846 |
| Noncurrent assets plus other real estate owned to assets | 0.7240% | 2,890 |
| Noncurrent loans to loans | 0.7404% | 2,955 |
| Net loans and leases to total assets | 71.6639% | 2,115 |
| Net loans and leases to deposits | 86.0055% | 2,134 |
| Net loans and leases to core deposits | 98.4444% | 1,640 |
| Total domestic deposits to total assets | 83.3248% | 3,732 |
| Equity capital to assets | 11.4281% | 2,416 |
| Core capital (leverage) ratio | 11.5994% | 1,892 |
| Tier 1 risk-based capital ratio | 14.5648% | 3,407 |
| Total risk-based capital ratio | 15.5742% | 3,449 |
| Memoranda: | ||
| Average total assets | $290,028,400 | 2,208 |
| Average earning assets | $276,112,200 | 2,161 |
| Average equity | $32,440,600 | 2,172 |
| Average total loans | $200,108,600 | 2,068 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3955% | 5,215 |
| Cost of funding earning assets | 0.5313% | 1,958 |
| Net interest margin | 2.8641% | 5,470 |
| Noninterest income to average assets | 0.2580% | 5,090 |
| Noninterest expense to average assets | 2.4257% | 4,432 |
| Loan and lease loss provision to assets | 0.0557% | 3,083 |
| Net operating income to assets | 0.3192% | 5,403 |
| Return on assets (ROA) | 0.3192% | 5,483 |
| Pretax return on assets | 0.5053% | 5,205 |
| Return on Equity (ROE) | 2.8702% | 5,432 |
| Retained earnings to average equity (ytd only) | 2.8702% | 4,400 |
| Net charge-offs to loans | 0.1322% | 1,812 |
| Credit loss provision to net charge-offs | 61.8557% | 2,892 |
| Earnings coverage of net charge-offs (x) | 6.2320% | 3,079 |
| Efficiency ratio | 81.2180% | 1,498 |
| Assets per employee ($millions) | 6.3964% | 1,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 4,066 |
| Loan loss allowance to noncurrent loans | 132.4927% | 3,056 |
| Noncurrent assets plus other real estate owned to assets | 0.7883% | 2,916 |
| Noncurrent loans to loans | 0.8514% | 2,845 |
| Net loans and leases to total assets | 68.7917% | 2,568 |
| Net loans and leases to deposits | 83.2276% | 2,500 |
| Net loans and leases to core deposits | 98.9832% | 1,608 |
| Total domestic deposits to total assets | 82.6549% | 3,937 |
| Equity capital to assets | 11.8451% | 2,223 |
| Core capital (leverage) ratio | 11.6241% | 1,941 |
| Tier 1 risk-based capital ratio | 15.9242% | 2,834 |
| Total risk-based capital ratio | 16.9838% | 2,865 |
| Memoranda: | ||
| Average total assets | $287,365,500 | 2,243 |
| Average earning assets | $273,770,000 | 2,196 |
| Average equity | $31,960,250 | 2,213 |
| Average total loans | $195,671,000 | 2,128 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4006% | 5,230 |
| Cost of funding earning assets | 0.5229% | 2,044 |
| Net interest margin | 2.8777% | 5,479 |
| Noninterest income to average assets | 0.2618% | 5,078 |
| Noninterest expense to average assets | 2.5153% | 4,192 |
| Loan and lease loss provision to assets | 0.0592% | 2,916 |
| Net operating income to assets | 0.2723% | 5,524 |
| Return on assets (ROA) | 0.2723% | 5,608 |
| Pretax return on assets | 0.4310% | 5,398 |
| Return on Equity (ROE) | 2.5025% | 5,561 |
| Retained earnings to average equity (ytd only) | 2.5025% | 4,463 |
| Net charge-offs to loans | 0.1916% | 1,313 |
| Credit loss provision to net charge-offs | 45.6989% | 2,748 |
| Earnings coverage of net charge-offs (x) | 3.7849% | 3,134 |
| Efficiency ratio | 83.6886% | 1,297 |
| Assets per employee ($millions) | 6.6267% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1471% | 4,094 |
| Loan loss allowance to noncurrent loans | 123.1788% | 3,219 |
| Noncurrent assets plus other real estate owned to assets | 0.8149% | 2,938 |
| Noncurrent loans to loans | 0.9312% | 2,805 |
| Net loans and leases to total assets | 65.9705% | 2,955 |
| Net loans and leases to deposits | 79.4700% | 2,853 |
| Net loans and leases to core deposits | 91.9580% | 2,166 |
| Total domestic deposits to total assets | 83.0130% | 3,954 |
| Equity capital to assets | 11.5568% | 2,366 |
| Core capital (leverage) ratio | 11.5892% | 1,932 |
| Tier 1 risk-based capital ratio | 16.6288% | 2,550 |
| Total risk-based capital ratio | 17.7321% | 2,574 |
| Memoranda: | ||
| Average total assets | $287,207,330 | 2,254 |
| Average earning assets | $273,833,330 | 2,206 |
| Average equity | $31,248,670 | 2,266 |
| Average total loans | $194,138,330 | 2,138 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4131% | 5,172 |
| Cost of funding earning assets | 0.5315% | 1,996 |
| Net interest margin | 2.8816% | 5,490 |
| Noninterest income to average assets | 0.1867% | 5,591 |
| Noninterest expense to average assets | 2.5696% | 4,031 |
| Loan and lease loss provision to assets | 0.1193% | 1,735 |
| Net operating income to assets | 0.1600% | 5,762 |
| Return on assets (ROA) | 0.1600% | 5,836 |
| Pretax return on assets | 0.2442% | 5,763 |
| Return on Equity (ROE) | 1.5188% | 5,802 |
| Retained earnings to average equity (ytd only) | 1.5188% | 4,877 |
| Net charge-offs to loans | 0.2022% | 1,124 |
| Credit loss provision to net charge-offs | 86.7347% | 1,769 |
| Earnings coverage of net charge-offs (x) | 2.6429% | 2,723 |
| Efficiency ratio | 87.6077% | 1,046 |
| Assets per employee ($millions) | 6.7281% | 963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1690% | 4,149 |
| Loan loss allowance to noncurrent loans | 119.2802% | 3,280 |
| Noncurrent assets plus other real estate owned to assets | 0.8672% | 2,910 |
| Noncurrent loans to loans | 0.9801% | 2,806 |
| Net loans and leases to total assets | 67.7957% | 2,480 |
| Net loans and leases to deposits | 81.6277% | 2,382 |
| Net loans and leases to core deposits | 94.0029% | 1,771 |
| Total domestic deposits to total assets | 83.0548% | 4,165 |
| Equity capital to assets | 11.5123% | 2,452 |
| Core capital (leverage) ratio | 11.9812% | 1,650 |
| Tier 1 risk-based capital ratio | 16.2448% | 2,806 |
| Total risk-based capital ratio | 17.3794% | 2,798 |
| Memoranda: | ||
| Average total assets | $285,023,000 | 2,286 |
| Average earning assets | $271,659,000 | 2,237 |
| Average equity | $30,024,500 | 2,352 |
| Average total loans | $193,914,500 | 2,135 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5374% | 5,234 |
| Cost of funding earning assets | 0.5248% | 2,438 |
| Net interest margin | 3.0126% | 5,425 |
| Noninterest income to average assets | 0.2013% | 5,656 |
| Noninterest expense to average assets | 2.3702% | 4,920 |
| Loan and lease loss provision to assets | 0.0677% | 3,131 |
| Net operating income to assets | 0.3867% | 5,260 |
| Return on assets (ROA) | 0.3867% | 5,332 |
| Pretax return on assets | 0.6178% | 4,885 |
| Return on Equity (ROE) | 4.3351% | 4,966 |
| Retained earnings to average equity (ytd only) | 4.3351% | 3,104 |
| Net charge-offs to loans | 0.1006% | 3,068 |
| Credit loss provision to net charge-offs | 101.1111% | 2,364 |
| Earnings coverage of net charge-offs (x) | 10.2333% | 2,636 |
| Efficiency ratio | 77.5667% | 2,267 |
| Assets per employee ($millions) | 6.8472% | 906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 3,808 |
| Loan loss allowance to noncurrent loans | 118.2463% | 3,343 |
| Noncurrent assets plus other real estate owned to assets | 0.9037% | 2,955 |
| Noncurrent loans to loans | 1.0419% | 2,739 |
| Net loans and leases to total assets | 66.6236% | 2,789 |
| Net loans and leases to deposits | 78.5675% | 2,900 |
| Net loans and leases to core deposits | 89.9571% | 2,291 |
| Total domestic deposits to total assets | 84.7979% | 3,371 |
| Equity capital to assets | 9.5260% | 4,695 |
| Core capital (leverage) ratio | 9.4310% | 4,338 |
| Tier 1 risk-based capital ratio | 14.7730% | 3,620 |
| Total risk-based capital ratio | 16.0233% | 3,549 |
| Memoranda: | ||
| Average total assets | $268,707,400 | 2,363 |
| Average earning assets | $254,593,800 | 2,310 |
| Average equity | $23,967,000 | 2,761 |
| Average total loans | $178,914,800 | 2,241 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5529% | 5,264 |
| Cost of funding earning assets | 0.5116% | 2,640 |
| Net interest margin | 3.0413% | 5,400 |
| Noninterest income to average assets | 0.1937% | 5,760 |
| Noninterest expense to average assets | 2.4202% | 4,761 |
| Loan and lease loss provision to assets | 0.0682% | 2,975 |
| Net operating income to assets | 0.3648% | 5,383 |
| Return on assets (ROA) | 0.3648% | 5,454 |
| Pretax return on assets | 0.5836% | 5,075 |
| Return on Equity (ROE) | 4.1650% | 5,104 |
| Retained earnings to average equity (ytd only) | 4.1650% | 3,687 |
| Net charge-offs to loans | 0.1392% | 2,405 |
| Credit loss provision to net charge-offs | 73.9130% | 2,695 |
| Earnings coverage of net charge-offs (x) | 7.0597% | 2,982 |
| Efficiency ratio | 78.7814% | 2,076 |
| Assets per employee ($millions) | 7.4736% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2482% | 3,964 |
| Loan loss allowance to noncurrent loans | 128.8375% | 3,070 |
| Noncurrent assets plus other real estate owned to assets | 0.7814% | 3,475 |
| Noncurrent loans to loans | 0.9688% | 3,143 |
| Net loans and leases to total assets | 60.4218% | 3,714 |
| Net loans and leases to deposits | 69.7505% | 3,947 |
| Net loans and leases to core deposits | 78.3780% | 3,499 |
| Total domestic deposits to total assets | 86.6255% | 2,510 |
| Equity capital to assets | 7.9781% | 6,144 |
| Core capital (leverage) ratio | 8.8008% | 5,337 |
| Tier 1 risk-based capital ratio | 13.2419% | 4,703 |
| Total risk-based capital ratio | 14.4923% | 4,639 |
| Memoranda: | ||
| Average total assets | $265,700,000 | 2,408 |
| Average earning assets | $251,467,500 | 2,346 |
| Average equity | $23,273,000 | 2,831 |
| Average total loans | $176,301,000 | 2,279 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7070% | 4,841 |
| Cost of funding earning assets | 0.5012% | 2,823 |
| Net interest margin | 3.2058% | 4,926 |
| Noninterest income to average assets | 0.1705% | 5,931 |
| Noninterest expense to average assets | 2.5528% | 4,404 |
| Loan and lease loss provision to assets | 0.0401% | 3,509 |
| Net operating income to assets | 0.3794% | 5,295 |
| Return on assets (ROA) | 0.3794% | 5,363 |
| Pretax return on assets | 0.6072% | 4,937 |
| Return on Equity (ROE) | 4.1853% | 5,070 |
| Retained earnings to average equity (ytd only) | 4.1853% | 3,504 |
| Net charge-offs to loans | -0.0161% | 5,466 |
| Credit loss provision to net charge-offs | -364.2857% | 5,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7742% | 2,051 |
| Assets per employee ($millions) | 6.9120% | 833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3734% | 3,479 |
| Loan loss allowance to noncurrent loans | 81.9986% | 4,120 |
| Noncurrent assets plus other real estate owned to assets | 1.3272% | 2,461 |
| Noncurrent loans to loans | 1.6749% | 2,071 |
| Net loans and leases to total assets | 65.5104% | 2,831 |
| Net loans and leases to deposits | 77.0758% | 2,919 |
| Net loans and leases to core deposits | 86.4624% | 2,473 |
| Total domestic deposits to total assets | 84.9948% | 3,513 |
| Equity capital to assets | 8.9779% | 5,318 |
| Core capital (leverage) ratio | 9.1940% | 4,752 |
| Tier 1 risk-based capital ratio | 13.4101% | 4,644 |
| Total risk-based capital ratio | 14.6614% | 4,590 |
| Memoranda: | ||
| Average total assets | $254,619,330 | 2,507 |
| Average earning assets | $240,626,000 | 2,437 |
| Average equity | $23,080,670 | 2,842 |
| Average total loans | $174,098,330 | 2,304 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8042% | 4,473 |
| Cost of funding earning assets | 0.5051% | 2,851 |
| Net interest margin | 3.2991% | 4,539 |
| Noninterest income to average assets | 0.1692% | 5,959 |
| Noninterest expense to average assets | 2.6911% | 3,958 |
| Loan and lease loss provision to assets | 0.0654% | 2,816 |
| Net operating income to assets | 0.3304% | 5,391 |
| Return on assets (ROA) | 0.3304% | 5,441 |
| Pretax return on assets | 0.5299% | 5,080 |
| Return on Equity (ROE) | 3.6267% | 5,209 |
| Retained earnings to average equity (ytd only) | 3.6267% | 3,957 |
| Net charge-offs to loans | -0.0046% | 4,801 |
| Credit loss provision to net charge-offs | -2,050.0000% | 5,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.8844% | 1,943 |
| Assets per employee ($millions) | 6.8658% | 856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3584% | 3,802 |
| Loan loss allowance to noncurrent loans | 80.2027% | 4,174 |
| Noncurrent assets plus other real estate owned to assets | 1.3872% | 2,557 |
| Noncurrent loans to loans | 1.6938% | 2,294 |
| Net loans and leases to total assets | 67.8585% | 2,244 |
| Net loans and leases to deposits | 80.1970% | 2,267 |
| Net loans and leases to core deposits | 88.9812% | 2,000 |
| Total domestic deposits to total assets | 84.6148% | 4,036 |
| Equity capital to assets | 9.1763% | 4,901 |
| Core capital (leverage) ratio | 9.1718% | 4,759 |
| Tier 1 risk-based capital ratio | 13.2201% | 4,880 |
| Total risk-based capital ratio | 14.4711% | 4,816 |
| Memoranda: | ||
| Average total assets | $250,601,000 | 2,549 |
| Average earning assets | $236,793,000 | 2,478 |
| Average equity | $22,830,500 | 2,860 |
| Average total loans | $173,916,000 | 2,299 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5433% | 5,550 |
| Cost of funding earning assets | 0.5530% | 3,087 |
| Net interest margin | 2.9903% | 5,599 |
| Noninterest income to average assets | 0.2831% | 5,329 |
| Noninterest expense to average assets | 2.3926% | 5,092 |
| Loan and lease loss provision to assets | 0.0710% | 3,704 |
| Net operating income to assets | 0.4124% | 5,104 |
| Return on assets (ROA) | 0.3816% | 5,328 |
| Pretax return on assets | 0.6188% | 4,808 |
| Return on Equity (ROE) | 4.5361% | 4,875 |
| Retained earnings to average equity (ytd only) | 4.5361% | 2,941 |
| Net charge-offs to loans | -0.0013% | 5,832 |
| Credit loss provision to net charge-offs | -8,500.0000% | 6,402 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4306% | 2,715 |
| Assets per employee ($millions) | 6.6802% | 903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 3,907 |
| Loan loss allowance to noncurrent loans | 52.6423% | 5,150 |
| Noncurrent assets plus other real estate owned to assets | 2.0735% | 1,728 |
| Noncurrent loans to loans | 2.5585% | 1,464 |
| Net loans and leases to total assets | 69.0799% | 2,162 |
| Net loans and leases to deposits | 81.8012% | 2,203 |
| Net loans and leases to core deposits | 92.3239% | 1,762 |
| Total domestic deposits to total assets | 84.4485% | 3,988 |
| Equity capital to assets | 9.0425% | 4,978 |
| Core capital (leverage) ratio | 9.1844% | 4,742 |
| Tier 1 risk-based capital ratio | 13.0687% | 4,929 |
| Total risk-based capital ratio | 14.3199% | 4,880 |
| Memoranda: | ||
| Average total assets | $239,488,600 | 2,622 |
| Average earning assets | $228,034,800 | 2,531 |
| Average equity | $20,149,600 | 3,140 |
| Average total loans | $159,795,800 | 2,424 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4683% | 5,755 |
| Cost of funding earning assets | 0.5700% | 3,081 |
| Net interest margin | 2.8983% | 5,819 |
| Noninterest income to average assets | 0.3148% | 5,185 |
| Noninterest expense to average assets | 2.3802% | 5,078 |
| Loan and lease loss provision to assets | 0.0948% | 3,179 |
| Net operating income to assets | 0.3730% | 5,362 |
| Return on assets (ROA) | 0.3317% | 5,617 |
| Pretax return on assets | 0.5405% | 5,232 |
| Return on Equity (ROE) | 4.0204% | 5,215 |
| Retained earnings to average equity (ytd only) | 4.0204% | 3,834 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2777% | 2,516 |
| Assets per employee ($millions) | 6.3621% | 994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4064% | 3,865 |
| Loan loss allowance to noncurrent loans | 51.6989% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 2.1592% | 1,850 |
| Noncurrent loans to loans | 2.7204% | 1,550 |
| Net loans and leases to total assets | 67.5051% | 2,371 |
| Net loans and leases to deposits | 79.2923% | 2,509 |
| Net loans and leases to core deposits | 92.4866% | 1,720 |
| Total domestic deposits to total assets | 85.1345% | 3,671 |
| Equity capital to assets | 8.7371% | 5,480 |
| Core capital (leverage) ratio | 8.7343% | 5,489 |
| Tier 1 risk-based capital ratio | 13.0412% | 5,095 |
| Total risk-based capital ratio | 14.2935% | 5,045 |
| Memoranda: | ||
| Average total assets | $237,569,250 | 2,658 |
| Average earning assets | $226,656,500 | 2,559 |
| Average equity | $19,599,500 | 3,231 |
| Average total loans | $156,476,500 | 2,475 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4572% | 5,776 |
| Cost of funding earning assets | 0.5929% | 3,006 |
| Net interest margin | 2.8643% | 5,862 |
| Noninterest income to average assets | 0.3718% | 4,737 |
| Noninterest expense to average assets | 2.3771% | 5,117 |
| Loan and lease loss provision to assets | 0.0593% | 3,819 |
| Net operating income to assets | 0.4112% | 5,174 |
| Return on assets (ROA) | 0.3489% | 5,587 |
| Pretax return on assets | 0.5750% | 5,113 |
| Return on Equity (ROE) | 4.3160% | 5,090 |
| Retained earnings to average equity (ytd only) | 4.3160% | 3,533 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4642% | 2,713 |
| Assets per employee ($millions) | 6.3051% | 1,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4261% | 3,915 |
| Loan loss allowance to noncurrent loans | 48.8280% | 5,254 |
| Noncurrent assets plus other real estate owned to assets | 2.3298% | 1,850 |
| Noncurrent loans to loans | 2.9207% | 1,535 |
| Net loans and leases to total assets | 64.3047% | 2,869 |
| Net loans and leases to deposits | 74.0852% | 3,136 |
| Net loans and leases to core deposits | 87.6149% | 2,152 |
| Total domestic deposits to total assets | 86.7984% | 2,942 |
| Equity capital to assets | 8.7240% | 5,515 |
| Core capital (leverage) ratio | 8.9137% | 5,123 |
| Tier 1 risk-based capital ratio | 14.0182% | 4,413 |
| Total risk-based capital ratio | 15.2712% | 4,374 |
| Memoranda: | ||
| Average total assets | $236,172,000 | 2,683 |
| Average earning assets | $225,671,000 | 2,582 |
| Average equity | $19,091,670 | 3,320 |
| Average total loans | $153,459,000 | 2,526 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4232% | 5,890 |
| Cost of funding earning assets | 0.6099% | 3,013 |
| Net interest margin | 2.8132% | 6,002 |
| Noninterest income to average assets | 0.2730% | 5,495 |
| Noninterest expense to average assets | 2.3816% | 5,179 |
| Loan and lease loss provision to assets | 0.1126% | 2,824 |
| Net operating income to assets | 0.2832% | 5,615 |
| Return on assets (ROA) | 0.2832% | 5,738 |
| Pretax return on assets | 0.4777% | 5,331 |
| Return on Equity (ROE) | 3.6511% | 5,271 |
| Retained earnings to average equity (ytd only) | 3.6511% | 4,051 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1378% | 2,320 |
| Assets per employee ($millions) | 6.5127% | 981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4411% | 4,048 |
| Loan loss allowance to noncurrent loans | 50.7412% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 2.3143% | 2,007 |
| Noncurrent loans to loans | 2.8400% | 1,784 |
| Net loans and leases to total assets | 64.9050% | 2,551 |
| Net loans and leases to deposits | 76.6694% | 2,527 |
| Net loans and leases to core deposits | 90.9409% | 1,615 |
| Total domestic deposits to total assets | 84.6557% | 4,197 |
| Equity capital to assets | 8.7491% | 5,762 |
| Core capital (leverage) ratio | 8.7966% | 5,191 |
| Tier 1 risk-based capital ratio | 13.8173% | 4,640 |
| Total risk-based capital ratio | 15.0704% | 4,595 |
| Memoranda: | ||
| Average total assets | $234,462,000 | 2,730 |
| Average earning assets | $224,937,000 | 2,615 |
| Average equity | $18,186,500 | 3,501 |
| Average total loans | $152,039,500 | 2,556 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7719% | 5,897 |
| Cost of funding earning assets | 0.8585% | 2,226 |
| Net interest margin | 2.9134% | 6,201 |
| Noninterest income to average assets | 0.1792% | 6,116 |
| Noninterest expense to average assets | 2.0972% | 6,134 |
| Loan and lease loss provision to assets | 0.1911% | 3,249 |
| Net operating income to assets | 0.2308% | 5,700 |
| Return on assets (ROA) | 0.2499% | 5,836 |
| Pretax return on assets | 0.4247% | 5,510 |
| Return on Equity (ROE) | 3.9091% | 5,179 |
| Retained earnings to average equity (ytd only) | 3.9091% | 3,450 |
| Net charge-offs to loans | 0.0936% | 4,738 |
| Credit loss provision to net charge-offs | 345.2381% | 712 |
| Earnings coverage of net charge-offs (x) | 10.5873% | 2,127 |
| Efficiency ratio | 78.1634% | 2,421 |
| Assets per employee ($millions) | 7.3271% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4424% | 3,972 |
| Loan loss allowance to noncurrent loans | 48.5605% | 5,205 |
| Noncurrent assets plus other real estate owned to assets | 2.3402% | 2,098 |
| Noncurrent loans to loans | 2.9704% | 1,761 |
| Net loans and leases to total assets | 62.9174% | 3,070 |
| Net loans and leases to deposits | 72.6674% | 3,307 |
| Net loans and leases to core deposits | 86.7714% | 2,215 |
| Total domestic deposits to total assets | 86.5827% | 3,049 |
| Equity capital to assets | 6.7643% | 6,807 |
| Core capital (leverage) ratio | 6.8566% | 6,740 |
| Tier 1 risk-based capital ratio | 10.9756% | 6,357 |
| Total risk-based capital ratio | 12.2290% | 6,314 |
| Memoranda: | ||
| Average total assets | $227,683,800 | 2,753 |
| Average earning assets | $195,681,600 | 2,887 |
| Average equity | $14,555,800 | 4,051 |
| Average total loans | $134,654,800 | 2,797 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8298% | 5,952 |
| Cost of funding earning assets | 0.9180% | 2,054 |
| Net interest margin | 2.9117% | 6,333 |
| Noninterest income to average assets | 0.1776% | 6,240 |
| Noninterest expense to average assets | 2.0809% | 6,206 |
| Loan and lease loss provision to assets | 0.1988% | 3,094 |
| Net operating income to assets | 0.1926% | 5,940 |
| Return on assets (ROA) | 0.2183% | 6,046 |
| Pretax return on assets | 0.3687% | 5,790 |
| Return on Equity (ROE) | 3.4668% | 5,505 |
| Retained earnings to average equity (ytd only) | 3.4668% | 4,427 |
| Net charge-offs to loans | 0.1294% | 4,084 |
| Credit loss provision to net charge-offs | 265.3543% | 1,035 |
| Earnings coverage of net charge-offs (x) | 7.0393% | 2,670 |
| Efficiency ratio | 79.7783% | 2,128 |
| Assets per employee ($millions) | 7.0708% | 719 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4358% | 4,214 |
| Loan loss allowance to noncurrent loans | 39.4258% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 2.6239% | 2,010 |
| Noncurrent loans to loans | 3.6418% | 1,480 |
| Net loans and leases to total assets | 62.4987% | 3,302 |
| Net loans and leases to deposits | 72.3497% | 3,555 |
| Net loans and leases to core deposits | 86.9448% | 2,351 |
| Total domestic deposits to total assets | 86.3842% | 3,048 |
| Equity capital to assets | 6.3969% | 6,957 |
| Core capital (leverage) ratio | 6.4178% | 6,900 |
| Tier 1 risk-based capital ratio | 10.4300% | 6,690 |
| Total risk-based capital ratio | 11.6833% | 6,670 |
| Memoranda: | ||
| Average total assets | $225,988,250 | 2,794 |
| Average earning assets | $188,657,000 | 3,006 |
| Average equity | $14,229,750 | 4,155 |
| Average total loans | $130,898,750 | 2,901 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7876% | 6,169 |
| Cost of funding earning assets | 0.9386% | 2,128 |
| Net interest margin | 2.8490% | 6,498 |
| Noninterest income to average assets | 0.2674% | 5,663 |
| Noninterest expense to average assets | 2.1426% | 6,146 |
| Loan and lease loss provision to assets | 0.2107% | 2,973 |
| Net operating income to assets | 0.1607% | 6,021 |
| Return on assets (ROA) | 0.1992% | 6,102 |
| Pretax return on assets | 0.3391% | 5,866 |
| Return on Equity (ROE) | 3.1806% | 5,613 |
| Retained earnings to average equity (ytd only) | 3.1806% | 4,496 |
| Net charge-offs to loans | 0.2036% | 3,355 |
| Credit loss provision to net charge-offs | 184.4961% | 1,540 |
| Earnings coverage of net charge-offs (x) | 4.2868% | 3,126 |
| Efficiency ratio | 81.3993% | 1,976 |
| Assets per employee ($millions) | 6.8838% | 766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 4,315 |
| Loan loss allowance to noncurrent loans | 56.0069% | 4,823 |
| Noncurrent assets plus other real estate owned to assets | 1.9534% | 2,839 |
| Noncurrent loans to loans | 2.5625% | 2,351 |
| Net loans and leases to total assets | 61.0454% | 3,617 |
| Net loans and leases to deposits | 71.2646% | 3,729 |
| Net loans and leases to core deposits | 86.1658% | 2,409 |
| Total domestic deposits to total assets | 85.6602% | 3,528 |
| Equity capital to assets | 6.4876% | 6,981 |
| Core capital (leverage) ratio | 6.6495% | 6,894 |
| Tier 1 risk-based capital ratio | 10.6810% | 6,624 |
| Total risk-based capital ratio | 11.9335% | 6,608 |
| Memoranda: | ||
| Average total assets | $225,895,330 | 2,807 |
| Average earning assets | $187,504,330 | 3,026 |
| Average equity | $14,148,330 | 4,170 |
| Average total loans | $126,707,000 | 2,989 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7322% | 6,386 |
| Cost of funding earning assets | 1.0028% | 1,968 |
| Net interest margin | 2.7294% | 6,741 |
| Noninterest income to average assets | 0.2868% | 5,580 |
| Noninterest expense to average assets | 2.1950% | 6,052 |
| Loan and lease loss provision to assets | 0.1539% | 3,450 |
| Net operating income to assets | 0.1032% | 6,234 |
| Return on assets (ROA) | 0.1032% | 6,362 |
| Pretax return on assets | 0.1801% | 6,235 |
| Return on Equity (ROE) | 1.6765% | 6,165 |
| Retained earnings to average equity (ytd only) | 1.6765% | 5,392 |
| Net charge-offs to loans | 0.2265% | 2,794 |
| Credit loss provision to net charge-offs | 127.5362% | 1,894 |
| Earnings coverage of net charge-offs (x) | 2.7681% | 3,076 |
| Efficiency ratio | 86.7911% | 1,403 |
| Assets per employee ($millions) | 6.7960% | 841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5033% | 4,136 |
| Loan loss allowance to noncurrent loans | 46.9819% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 2.1994% | 2,690 |
| Noncurrent loans to loans | 3.1998% | 2,007 |
| Net loans and leases to total assets | 56.2773% | 4,334 |
| Net loans and leases to deposits | 63.8289% | 4,660 |
| Net loans and leases to core deposits | 75.3291% | 3,705 |
| Total domestic deposits to total assets | 88.1691% | 2,202 |
| Equity capital to assets | 6.4845% | 7,019 |
| Core capital (leverage) ratio | 6.2180% | 7,013 |
| Tier 1 risk-based capital ratio | 11.1080% | 6,490 |
| Total risk-based capital ratio | 12.3613% | 6,475 |
| Memoranda: | ||
| Average total assets | $228,702,000 | 2,785 |
| Average earning assets | $187,880,000 | 3,038 |
| Average equity | $14,077,000 | 4,186 |
| Average total loans | $121,845,500 | 3,110 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1983% | 6,059 |
| Cost of funding earning assets | 1.2690% | 1,640 |
| Net interest margin | 2.9293% | 6,644 |
| Noninterest income to average assets | 0.1375% | 6,465 |
| Noninterest expense to average assets | 2.2796% | 6,086 |
| Loan and lease loss provision to assets | 0.3849% | 2,683 |
| Net operating income to assets | -0.0331% | 6,086 |
| Return on assets (ROA) | -0.0341% | 6,189 |
| Pretax return on assets | -0.0064% | 6,138 |
| Return on Equity (ROE) | -0.4608% | 6,203 |
| Retained earnings to average equity (ytd only) | -0.4608% | 5,927 |
| Net charge-offs to loans | 0.0383% | 5,928 |
| Credit loss provision to net charge-offs | 1,851.2821% | 124 |
| Earnings coverage of net charge-offs (x) | 18.2564% | 1,228 |
| Efficiency ratio | 85.7257% | 1,594 |
| Assets per employee ($millions) | 7.9977% | 471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5490% | 3,799 |
| Loan loss allowance to noncurrent loans | 46.3659% | 5,227 |
| Noncurrent assets plus other real estate owned to assets | 1.9360% | 3,059 |
| Noncurrent loans to loans | 3.3407% | 1,938 |
| Net loans and leases to total assets | 49.0078% | 5,713 |
| Net loans and leases to deposits | 54.8729% | 5,990 |
| Net loans and leases to core deposits | 63.6406% | 5,503 |
| Total domestic deposits to total assets | 89.3115% | 1,361 |
| Equity capital to assets | 5.8567% | 7,105 |
| Core capital (leverage) ratio | 6.7306% | 6,936 |
| Tier 1 risk-based capital ratio | 9.6622% | 6,922 |
| Total risk-based capital ratio | 10.9125% | 6,921 |
| Memoranda: | ||
| Average total assets | $187,580,200 | 3,221 |
| Average earning assets | $161,471,400 | 3,378 |
| Average equity | $13,888,800 | 4,130 |
| Average total loans | $101,743,600 | 3,576 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2264% | 6,147 |
| Cost of funding earning assets | 1.2944% | 1,733 |
| Net interest margin | 2.9319% | 6,703 |
| Noninterest income to average assets | 0.1169% | 6,673 |
| Noninterest expense to average assets | 2.5185% | 5,404 |
| Loan and lease loss provision to assets | 0.3416% | 2,836 |
| Net operating income to assets | -0.0501% | 6,222 |
| Return on assets (ROA) | -0.0978% | 6,367 |
| Pretax return on assets | -0.1276% | 6,357 |
| Return on Equity (ROE) | -1.2324% | 6,404 |
| Retained earnings to average equity (ytd only) | -1.2324% | 6,189 |
| Net charge-offs to loans | 0.0534% | 5,437 |
| Credit loss provision to net charge-offs | 1,146.1538% | 233 |
| Earnings coverage of net charge-offs (x) | 9.2562% | 2,076 |
| Efficiency ratio | 90.1285% | 1,158 |
| Assets per employee ($millions) | 6.1197% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4159% | 4,485 |
| Loan loss allowance to noncurrent loans | 208.3333% | 1,504 |
| Noncurrent assets plus other real estate owned to assets | 0.7205% | 5,357 |
| Noncurrent loans to loans | 0.6796% | 5,527 |
| Net loans and leases to total assets | 55.9994% | 4,844 |
| Net loans and leases to deposits | 65.1600% | 5,032 |
| Net loans and leases to core deposits | 79.8653% | 3,659 |
| Total domestic deposits to total assets | 85.9413% | 3,252 |
| Equity capital to assets | 7.2859% | 6,992 |
| Core capital (leverage) ratio | 7.0113% | 6,958 |
| Tier 1 risk-based capital ratio | 11.5015% | 6,240 |
| Total risk-based capital ratio | 12.7529% | 6,235 |
| Memoranda: | ||
| Average total assets | $174,492,500 | 3,440 |
| Average earning assets | $159,344,250 | 3,439 |
| Average equity | $13,848,000 | 4,155 |
| Average total loans | $97,320,750 | 3,717 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1600% | 6,368 |
| Cost of funding earning assets | 1.3217% | 1,813 |
| Net interest margin | 2.8383% | 6,876 |
| Noninterest income to average assets | 0.1111% | 6,775 |
| Noninterest expense to average assets | 2.6264% | 5,087 |
| Loan and lease loss provision to assets | 0.4469% | 2,191 |
| Net operating income to assets | -0.2148% | 6,485 |
| Return on assets (ROA) | -0.2796% | 6,572 |
| Pretax return on assets | -0.4158% | 6,598 |
| Return on Equity (ROE) | -3.4141% | 6,614 |
| Retained earnings to average equity (ytd only) | -3.4141% | 6,416 |
| Net charge-offs to loans | 0.0842% | 4,801 |
| Credit loss provision to net charge-offs | 958.9744% | 343 |
| Earnings coverage of net charge-offs (x) | 2.7436% | 3,470 |
| Efficiency ratio | 95.3579% | 908 |
| Assets per employee ($millions) | 6.1235% | 1,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4446% | 4,371 |
| Loan loss allowance to noncurrent loans | 198.6772% | 1,534 |
| Noncurrent assets plus other real estate owned to assets | 0.7946% | 5,306 |
| Noncurrent loans to loans | 0.7271% | 5,459 |
| Net loans and leases to total assets | 57.7021% | 4,686 |
| Net loans and leases to deposits | 69.5250% | 4,495 |
| Net loans and leases to core deposits | 88.0453% | 2,643 |
| Total domestic deposits to total assets | 82.9948% | 4,758 |
| Equity capital to assets | 7.7717% | 6,821 |
| Core capital (leverage) ratio | 7.4584% | 6,771 |
| Tier 1 risk-based capital ratio | 12.5316% | 5,315 |
| Total risk-based capital ratio | 13.7836% | 5,291 |
| Memoranda: | ||
| Average total assets | $167,380,330 | 3,581 |
| Average earning assets | $155,865,670 | 3,528 |
| Average equity | $13,708,000 | 4,177 |
| Average total loans | $92,681,670 | 3,869 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9519% | 6,763 |
| Cost of funding earning assets | 1.3225% | 2,056 |
| Net interest margin | 2.6294% | 7,102 |
| Noninterest income to average assets | 0.0961% | 6,934 |
| Noninterest expense to average assets | 2.5980% | 5,234 |
| Loan and lease loss provision to assets | 0.4166% | 2,108 |
| Net operating income to assets | -0.2935% | 6,654 |
| Return on assets (ROA) | -0.4511% | 6,786 |
| Pretax return on assets | -0.6606% | 6,852 |
| Return on Equity (ROE) | -5.3581% | 6,831 |
| Retained earnings to average equity (ytd only) | -5.3581% | 6,550 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.4766% | 719 |
| Assets per employee ($millions) | 6.4780% | 938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 4,530 |
| Loan loss allowance to noncurrent loans | 92.3928% | 3,098 |
| Noncurrent assets plus other real estate owned to assets | 0.8267% | 5,254 |
| Noncurrent loans to loans | 1.5458% | 4,147 |
| Net loans and leases to total assets | 52.7189% | 5,496 |
| Net loans and leases to deposits | 65.3888% | 5,063 |
| Net loans and leases to core deposits | 82.5844% | 3,370 |
| Total domestic deposits to total assets | 80.6238% | 5,780 |
| Equity capital to assets | 7.7453% | 6,716 |
| Core capital (leverage) ratio | 8.0147% | 6,238 |
| Tier 1 risk-based capital ratio | 13.2606% | 4,610 |
| Total risk-based capital ratio | 14.5121% | 4,587 |
| Memoranda: | ||
| Average total assets | $162,280,000 | 3,662 |
| Average earning assets | $153,646,000 | 3,585 |
| Average equity | $13,661,500 | 4,178 |
| Average total loans | $87,037,500 | 4,047 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0134% | 7,122 |
| Cost of funding earning assets | 1.3413% | 3,639 |
| Net interest margin | 2.6721% | 7,144 |
| Noninterest income to average assets | 0.1159% | 6,828 |
| Noninterest expense to average assets | 2.8501% | 4,405 |
| Loan and lease loss provision to assets | 0.5795% | 2,816 |
| Net operating income to assets | -0.0363% | 5,907 |
| Return on assets (ROA) | 0.0481% | 5,845 |
| Pretax return on assets | -0.6865% | 6,451 |
| Return on Equity (ROE) | 0.4423% | 5,841 |
| Retained earnings to average equity (ytd only) | 0.4423% | 5,355 |
| Net charge-offs to loans | 0.0470% | 6,330 |
| Credit loss provision to net charge-offs | 2,321.4286% | 99 |
| Earnings coverage of net charge-offs (x) | -9.5714% | 6,798 |
| Efficiency ratio | 109.1499% | 554 |
| Assets per employee ($millions) | 6.8025% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4491% | 4,285 |
| Loan loss allowance to noncurrent loans | 80.9854% | 3,496 |
| Noncurrent assets plus other real estate owned to assets | 0.9629% | 5,084 |
| Noncurrent loans to loans | 1.7894% | 3,831 |
| Net loans and leases to total assets | 53.0313% | 5,779 |
| Net loans and leases to deposits | 67.4336% | 5,181 |
| Net loans and leases to core deposits | 80.0323% | 4,216 |
| Total domestic deposits to total assets | 78.6422% | 6,183 |
| Equity capital to assets | 9.2052% | 4,832 |
| Core capital (leverage) ratio | 9.1367% | 4,289 |
| Tier 1 risk-based capital ratio | 16.1161% | 2,693 |
| Total risk-based capital ratio | 17.3680% | 2,650 |
| Memoranda: | ||
| Average total assets | $112,170,000 | 4,654 |
| Average earning assets | $104,749,800 | 4,591 |
| Average equity | $12,208,600 | 4,554 |
| Average total loans | $59,518,200 | 5,092 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0688% | 7,227 |
| Cost of funding earning assets | 1.3012% | 4,209 |
| Net interest margin | 2.7676% | 7,164 |
| Noninterest income to average assets | 0.1051% | 7,024 |
| Noninterest expense to average assets | 3.0907% | 3,376 |
| Loan and lease loss provision to assets | 0.5642% | 2,688 |
| Net operating income to assets | -0.6200% | 6,679 |
| Return on assets (ROA) | -0.6200% | 6,723 |
| Pretax return on assets | -0.9870% | 6,853 |
| Return on Equity (ROE) | -5.3934% | 6,676 |
| Retained earnings to average equity (ytd only) | -5.3934% | 6,586 |
| Net charge-offs to loans | 0.0688% | 5,826 |
| Credit loss provision to net charge-offs | 1,553.5714% | 201 |
| Earnings coverage of net charge-offs (x) | -11.6437% | 6,631 |
| Efficiency ratio | 115.8483% | 435 |
| Assets per employee ($millions) | 5.8204% | 1,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4018% | 4,444 |
| 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 | 52.2948% | 6,067 |
| Net loans and leases to deposits | 66.8253% | 5,568 |
| Net loans and leases to core deposits | 76.7212% | 4,964 |
| Total domestic deposits to total assets | 78.2560% | 6,207 |
| Equity capital to assets | 10.6694% | 3,328 |
| Core capital (leverage) ratio | 11.0099% | 2,254 |
| Tier 1 risk-based capital ratio | 20.6583% | 1,416 |
| Total risk-based capital ratio | 21.9111% | 1,398 |
| Memoranda: | ||
| Average total assets | $102,798,750 | 4,971 |
| Average earning assets | $95,193,000 | 4,921 |
| Average equity | $11,816,750 | 4,734 |
| Average total loans | $54,265,000 | 5,376 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9699% | 7,390 |
| Cost of funding earning assets | 1.2497% | 4,829 |
| Net interest margin | 2.7202% | 7,236 |
| Noninterest income to average assets | 0.1038% | 7,084 |
| Noninterest expense to average assets | 3.2040% | 2,888 |
| Loan and lease loss provision to assets | 0.5785% | 2,460 |
| Net operating income to assets | -0.7268% | 6,823 |
| Return on assets (ROA) | -0.7268% | 6,836 |
| Pretax return on assets | -1.1464% | 6,953 |
| Return on Equity (ROE) | -6.1241% | 6,777 |
| Retained earnings to average equity (ytd only) | -6.1241% | 6,665 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 121.5434% | 394 |
| Assets per employee ($millions) | 5.3570% | 1,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3493% | 4,683 |
| 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 | 53.1619% | 6,092 |
| Net loans and leases to deposits | 70.6948% | 5,181 |
| Net loans and leases to core deposits | 81.8148% | 4,442 |
| Total domestic deposits to total assets | 75.1991% | 6,827 |
| Equity capital to assets | 12.2244% | 1,964 |
| Core capital (leverage) ratio | 13.4910% | 1,060 |
| Tier 1 risk-based capital ratio | 21.0002% | 1,335 |
| Total risk-based capital ratio | 22.2506% | 1,313 |
| Memoranda: | ||
| Average total assets | $94,382,000 | 5,237 |
| Average earning assets | $87,862,000 | 5,183 |
| Average equity | $11,201,670 | 4,880 |
| Average total loans | $49,715,000 | 5,619 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0836% | 7,389 |
| Cost of funding earning assets | 1.3055% | 4,784 |
| Net interest margin | 2.7780% | 7,214 |
| Noninterest income to average assets | 0.1406% | 6,971 |
| Noninterest expense to average assets | 3.5535% | 1,836 |
| Loan and lease loss provision to assets | 0.4922% | 2,529 |
| Net operating income to assets | -0.8251% | 7,018 |
| Return on assets (ROA) | -0.8251% | 7,046 |
| Pretax return on assets | -1.3314% | 7,194 |
| Return on Equity (ROE) | -7.0921% | 7,004 |
| Retained earnings to average equity (ytd only) | -7.0921% | 6,753 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 130.9154% | 330 |
| Assets per employee ($millions) | 4.4315% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3504% | 4,676 |
| 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 | 51.0251% | 6,374 |
| Net loans and leases to deposits | 68.6338% | 5,516 |
| Net loans and leases to core deposits | 74.2615% | 5,478 |
| Total domestic deposits to total assets | 74.3440% | 6,999 |
| Equity capital to assets | 12.5991% | 1,700 |
| Core capital (leverage) ratio | 13.7193% | 1,024 |
| Tier 1 risk-based capital ratio | 21.5505% | 1,261 |
| Total risk-based capital ratio | 22.7659% | 1,246 |
| Memoranda: | ||
| Average total assets | $85,325,000 | 5,590 |
| Average earning assets | $79,048,500 | 5,540 |
| Average equity | $9,926,500 | 5,259 |
| Average total loans | $44,261,000 | 5,926 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3078% | 7,554 |
| Cost of funding earning assets | 1.5057% | 5,487 |
| Net interest margin | 2.8021% | 7,057 |
| Noninterest income to average assets | 0.1048% | 7,240 |
| Noninterest expense to average assets | 5.4227% | 406 |
| Loan and lease loss provision to assets | 0.6465% | 3,218 |
| Net operating income to assets | -3.4171% | 7,490 |
| Return on assets (ROA) | -4.8053% | 7,714 |
| Pretax return on assets | -4.8053% | 7,674 |
| Return on Equity (ROE) | -26.5792% | 7,330 |
| Retained earnings to average equity (ytd only) | -26.5792% | 7,304 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 204.4656% | 129 |
| Assets per employee ($millions) | 3.8794% | 4,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3494% | 4,483 |
| 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 | 51.3507% | 6,492 |
| Net loans and leases to deposits | 66.0839% | 6,036 |
| Net loans and leases to core deposits | 80.7499% | 6,019 |
| Total domestic deposits to total assets | 77.7053% | 6,300 |
| Equity capital to assets | 10.4758% | 3,208 |
| Core capital (leverage) ratio | 12.1573% | 1,598 |
| Tier 1 risk-based capital ratio | 17.8084% | 1,944 |
| Total risk-based capital ratio | 19.0230% | 1,906 |
| Memoranda: | ||
| Average total assets | $51,506,000 | 6,652 |
| Average earning assets | $46,822,000 | 6,647 |
| Average equity | $9,311,800 | 5,503 |
| Average total loans | $28,095,200 | 6,736 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3974% | 7,609 |
| Cost of funding earning assets | 1.5840% | 5,473 |
| Net interest margin | 2.8134% | 7,032 |
| Noninterest income to average assets | 0.1037% | 7,388 |
| Noninterest expense to average assets | 8.5033% | 133 |
| Loan and lease loss provision to assets | 0.7291% | 2,553 |
| Net operating income to assets | -6.6123% | 7,960 |
| Return on assets (ROA) | -6.6123% | 7,961 |
| Pretax return on assets | -6.6123% | 7,947 |
| Return on Equity (ROE) | -30.9603% | 7,628 |
| Retained earnings to average equity (ytd only) | -30.9603% | 7,612 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 324.5475% | 59 |
| Assets per employee ($millions) | 3.3298% | 5,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2989% | 4,513 |
| 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 | 55.0081% | 6,266 |
| Net loans and leases to deposits | 76.4157% | 4,966 |
| Net loans and leases to core deposits | 97.0361% | 4,699 |
| Total domestic deposits to total assets | 71.9854% | 7,216 |
| Equity capital to assets | 13.3324% | 1,561 |
| Core capital (leverage) ratio | 15.4508% | 773 |
| Tier 1 risk-based capital ratio | 21.5918% | 1,273 |
| Total risk-based capital ratio | 22.7882% | 1,261 |
| Memoranda: | ||
| Average total assets | $44,985,500 | 6,965 |
| Average earning assets | $40,235,250 | 6,991 |
| Average equity | $9,607,750 | 5,456 |
| Average total loans | $25,022,250 | 6,974 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2403% | 7,803 |
| Cost of funding earning assets | 1.6261% | 5,632 |
| Net interest margin | 2.6142% | 7,342 |
| Noninterest income to average assets | 0.1028% | 7,465 |
| Noninterest expense to average assets | 7.7703% | 172 |
| Loan and lease loss provision to assets | 0.6274% | 2,549 |
| Net operating income to assets | -5.9139% | 7,996 |
| Return on assets (ROA) | -5.9139% | 7,984 |
| Pretax return on assets | -5.9139% | 7,942 |
| Return on Equity (ROE) | -23.0031% | 7,590 |
| Retained earnings to average equity (ytd only) | -23.0031% | 7,548 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 312.8364% | 77 |
| Assets per employee ($millions) | 2.7511% | 6,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2892% | 4,328 |
| 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 | 51.6428% | 6,726 |
| Net loans and leases to deposits | 75.7449% | 5,208 |
| Net loans and leases to core deposits | 108.2272% | 3,581 |
| Total domestic deposits to total assets | 68.1799% | 7,612 |
| Equity capital to assets | 18.9119% | 465 |
| Core capital (leverage) ratio | 22.3026% | 270 |
| Tier 1 risk-based capital ratio | 30.5192% | 571 |
| Total risk-based capital ratio | 31.6104% | 566 |
| Memoranda: | ||
| Average total assets | $38,891,670 | 7,262 |
| Average earning assets | $35,421,670 | 7,244 |
| Average equity | $9,998,670 | 5,358 |
| Average total loans | $21,609,670 | 7,233 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1064% | 7,941 |
| Cost of funding earning assets | 1.6196% | 5,949 |
| Net interest margin | 2.4868% | 7,519 |
| Noninterest income to average assets | 0.0953% | 7,572 |
| Noninterest expense to average assets | 7.2071% | 195 |
| Loan and lease loss provision to assets | 0.5122% | 2,421 |
| Net operating income to assets | -5.3011% | 8,059 |
| Return on assets (ROA) | -5.3011% | 8,051 |
| Pretax return on assets | -5.3011% | 8,007 |
| Return on Equity (ROE) | -17.2556% | 7,688 |
| Retained earnings to average equity (ytd only) | -17.2556% | 7,547 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 298.0296% | 86 |
| Assets per employee ($millions) | 2.2002% | 7,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1983% | 4,816 |
| 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 | 56.2121% | 6,210 |
| Net loans and leases to deposits | 83.4160% | 4,072 |
| Net loans and leases to core deposits | 115.1550% | 2,889 |
| Total domestic deposits to total assets | 67.3876% | 7,643 |
| Equity capital to assets | 27.0406% | 183 |
| Core capital (leverage) ratio | 30.8228% | 146 |
| Tier 1 risk-based capital ratio | 41.3468% | 292 |
| Total risk-based capital ratio | 42.3970% | 292 |
| Memoranda: | ||
| Average total assets | $33,578,000 | 7,511 |
| Average earning assets | $31,366,000 | 7,457 |
| Average equity | $10,315,500 | 5,290 |
| Average total loans | $19,461,000 | 7,411 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7232% | 8,126 |
| Cost of funding earning assets | 0.8493% | 8,108 |
| Net interest margin | 2.8739% | 7,205 |
| Noninterest income to average assets | 0.0338% | 7,965 |
| Noninterest expense to average assets | 8.3527% | 205 |
| Loan and lease loss provision to assets | 0.7201% | 2,053 |
| Net operating income to assets | -6.3611% | 8,167 |
| Return on assets (ROA) | -6.3611% | 8,160 |
| Pretax return on assets | -6.3611% | 8,125 |
| Return on Equity (ROE) | -14.9757% | 7,588 |
| Retained earnings to average equity (ytd only) | -14.9757% | 7,456 |
| Net charge-offs to loans | 0.2623% | 3,662 |
| Credit loss provision to net charge-offs | 711.1111% | 591 |
| Earnings coverage of net charge-offs (x) | -55.7037% | 6,988 |
| Efficiency ratio | 308.0221% | 97 |
| Assets per employee ($millions) | 1.7502% | 8,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 4,520 |
| 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 | 58.5823% | 6,117 |
| Net loans and leases to deposits | 101.3549% | 1,662 |
| Net loans and leases to core deposits | 122.9283% | 2,405 |
| Total domestic deposits to total assets | 57.7992% | 8,020 |
| Equity capital to assets | 35.3477% | 121 |
| Core capital (leverage) ratio | 40.2838% | 111 |
| Tier 1 risk-based capital ratio | 52.0183% | 201 |
| Total risk-based capital ratio | 53.0709% | 198 |
| Memoranda: | ||
| Average total assets | $26,662,000 | 7,778 |
| Average earning assets | $24,844,000 | 7,751 |
| Average equity | $11,325,000 | 5,034 |
| Average total loans | $10,294,200 | 7,923 |