Home > Jefferson Bank of Florida > Performance and Condition Ratios
Jefferson Bank of Florida, Performance and Condition Ratios
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8501% | 3,718 |
| Cost of funding earning assets | 0.2652% | 4,419 |
| Net interest margin | 3.5850% | 3,091 |
| Noninterest income to average assets | 0.2990% | 4,394 |
| Noninterest expense to average assets | 2.3464% | 4,223 |
| Loan and lease loss provision to assets | 0.0940% | 2,110 |
| Net operating income to assets | 0.7990% | 3,406 |
| Return on assets (ROA) | 0.7990% | 3,464 |
| Pretax return on assets | 1.2964% | 2,400 |
| Return on Equity (ROE) | 8.6551% | 2,692 |
| Retained earnings to average equity (ytd only) | 8.6551% | 953 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3352% | 3,933 |
| Assets per employee ($millions) | 6.5946% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9303% | 4,510 |
| Loan loss allowance to noncurrent loans | 245.3954% | 1,863 |
| Noncurrent assets plus other real estate owned to assets | 0.2916% | 3,967 |
| Noncurrent loans to loans | 0.3791% | 3,665 |
| Net loans and leases to total assets | 76.1959% | 1,518 |
| Net loans and leases to deposits | 101.3058% | 654 |
| Net loans and leases to core deposits | 116.2472% | 700 |
| Total domestic deposits to total assets | 75.2137% | 5,177 |
| Equity capital to assets | 9.1479% | 4,759 |
| Core capital (leverage) ratio | 9.7931% | 3,786 |
| Tier 1 risk-based capital ratio | 11.4374% | 4,996 |
| Total risk-based capital ratio | 12.3387% | 5,102 |
| Memoranda: | ||
| Average total assets | $304,382,330 | 2,168 |
| Average earning assets | $291,886,000 | 2,103 |
| Average equity | $28,099,000 | 2,499 |
| Average total loans | $226,643,330 | 1,967 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7921% | 3,789 |
| Cost of funding earning assets | 0.2390% | 4,645 |
| Net interest margin | 3.5531% | 3,074 |
| Noninterest income to average assets | 0.2950% | 4,437 |
| Noninterest expense to average assets | 2.5759% | 3,572 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.6973% | 3,722 |
| Return on assets (ROA) | 0.6973% | 3,760 |
| Pretax return on assets | 1.1277% | 2,874 |
| Return on Equity (ROE) | 7.5172% | 3,160 |
| Retained earnings to average equity (ytd only) | 7.5172% | 1,645 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0804% | 3,028 |
| Assets per employee ($millions) | 6.2605% | 1,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9557% | 4,519 |
| Loan loss allowance to noncurrent loans | 26,525.0000% | 40 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 5,370 |
| Noncurrent loans to loans | 0.0036% | 5,256 |
| Net loans and leases to total assets | 73.1852% | 1,879 |
| Net loans and leases to deposits | 84.9392% | 2,165 |
| Net loans and leases to core deposits | 99.2128% | 1,565 |
| Total domestic deposits to total assets | 86.1618% | 2,601 |
| Equity capital to assets | 9.3304% | 4,468 |
| Core capital (leverage) ratio | 9.6592% | 3,914 |
| Tier 1 risk-based capital ratio | 12.1995% | 4,580 |
| Total risk-based capital ratio | 13.1494% | 4,683 |
| Memoranda: | ||
| Average total assets | $298,302,500 | 2,219 |
| Average earning assets | $286,173,500 | 2,156 |
| Average equity | $27,670,000 | 2,538 |
| Average total loans | $218,236,500 | 2,038 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8239% | 3,823 |
| Cost of funding earning assets | 0.2528% | 4,541 |
| Net interest margin | 3.5711% | 3,180 |
| Noninterest income to average assets | 0.2833% | 4,718 |
| Noninterest expense to average assets | 2.5146% | 3,962 |
| Loan and lease loss provision to assets | 0.0596% | 3,193 |
| Net operating income to assets | 0.6925% | 3,819 |
| Return on assets (ROA) | 0.6925% | 3,925 |
| Pretax return on assets | 1.1019% | 3,100 |
| Return on Equity (ROE) | 7.0549% | 3,437 |
| Retained earnings to average equity (ytd only) | 5.7996% | 1,826 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8866% | 3,259 |
| Assets per employee ($millions) | 6.0429% | 1,447 |
| Cash dividends to net income (ytd only)* | 17.7930% | 3,800 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9896% | 4,397 |
| Loan loss allowance to noncurrent loans | 601.1331% | 919 |
| Noncurrent assets plus other real estate owned to assets | 0.1192% | 4,834 |
| Noncurrent loans to loans | 0.1646% | 4,574 |
| Net loans and leases to total assets | 71.7001% | 2,206 |
| Net loans and leases to deposits | 82.7281% | 2,585 |
| Net loans and leases to core deposits | 97.0329% | 1,834 |
| Total domestic deposits to total assets | 86.6695% | 2,303 |
| Equity capital to assets | 9.2204% | 4,561 |
| Core capital (leverage) ratio | 9.8425% | 3,698 |
| Tier 1 risk-based capital ratio | 12.3158% | 4,496 |
| Total risk-based capital ratio | 13.2909% | 4,586 |
| Memoranda: | ||
| Average total assets | $273,517,800 | 2,334 |
| Average earning assets | $259,865,400 | 2,284 |
| Average equity | $26,846,600 | 2,580 |
| Average total loans | $192,479,200 | 2,182 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8258% | 3,848 |
| Cost of funding earning assets | 0.2616% | 4,487 |
| Net interest margin | 3.5642% | 3,213 |
| Noninterest income to average assets | 0.2892% | 4,703 |
| Noninterest expense to average assets | 2.5753% | 3,745 |
| Loan and lease loss provision to assets | 0.0363% | 3,522 |
| Net operating income to assets | 0.6630% | 4,027 |
| Return on assets (ROA) | 0.6630% | 4,146 |
| Pretax return on assets | 1.0542% | 3,413 |
| Return on Equity (ROE) | 6.6434% | 3,756 |
| Retained earnings to average equity (ytd only) | 4.9626% | 2,851 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7217% | 2,933 |
| Assets per employee ($millions) | 5.8176% | 1,567 |
| Cash dividends to net income (ytd only)* | 25.3001% | 3,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 4,379 |
| Loan loss allowance to noncurrent loans | 574.0113% | 941 |
| Noncurrent assets plus other real estate owned to assets | 0.1268% | 4,920 |
| Noncurrent loans to loans | 0.1750% | 4,649 |
| Net loans and leases to total assets | 71.7301% | 2,228 |
| Net loans and leases to deposits | 85.2857% | 2,334 |
| Net loans and leases to core deposits | 102.0304% | 1,478 |
| Total domestic deposits to total assets | 84.1057% | 3,185 |
| Equity capital to assets | 9.9057% | 4,233 |
| Core capital (leverage) ratio | 10.3382% | 3,175 |
| Tier 1 risk-based capital ratio | 13.0944% | 4,101 |
| Total risk-based capital ratio | 14.1101% | 4,155 |
| Memoranda: | ||
| Average total assets | $267,871,500 | 2,390 |
| Average earning assets | $253,778,000 | 2,345 |
| Average equity | $26,732,750 | 2,607 |
| Average total loans | $186,992,000 | 2,241 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8268% | 3,861 |
| Cost of funding earning assets | 0.2784% | 4,368 |
| Net interest margin | 3.5484% | 3,300 |
| Noninterest income to average assets | 0.2863% | 4,740 |
| Noninterest expense to average assets | 2.6098% | 3,693 |
| Loan and lease loss provision to assets | 0.0379% | 3,400 |
| Net operating income to assets | 0.6278% | 4,153 |
| Return on assets (ROA) | 0.6278% | 4,283 |
| Pretax return on assets | 0.9974% | 3,595 |
| Return on Equity (ROE) | 6.2748% | 3,919 |
| Retained earnings to average equity (ytd only) | 3.7240% | 3,524 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0576% | 2,810 |
| Assets per employee ($millions) | 5.6101% | 1,693 |
| Cash dividends to net income (ytd only)* | 40.6514% | 2,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0456% | 4,250 |
| Loan loss allowance to noncurrent loans | 564.3258% | 973 |
| Noncurrent assets plus other real estate owned to assets | 0.1350% | 4,964 |
| Noncurrent loans to loans | 0.1853% | 4,692 |
| Net loans and leases to total assets | 72.1048% | 2,147 |
| Net loans and leases to deposits | 84.8682% | 2,363 |
| Net loans and leases to core deposits | 98.7185% | 1,752 |
| Total domestic deposits to total assets | 84.9609% | 2,902 |
| Equity capital to assets | 10.2665% | 3,904 |
| Core capital (leverage) ratio | 10.1787% | 3,354 |
| Tier 1 risk-based capital ratio | 13.2349% | 4,056 |
| Total risk-based capital ratio | 14.2692% | 4,103 |
| Memoranda: | ||
| Average total assets | $264,080,670 | 2,429 |
| Average earning assets | $249,972,330 | 2,381 |
| Average equity | $26,423,330 | 2,635 |
| Average total loans | $181,878,000 | 2,296 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7268% | 4,223 |
| Cost of funding earning assets | 0.2874% | 4,305 |
| Net interest margin | 3.4394% | 3,714 |
| Noninterest income to average assets | 0.2709% | 4,795 |
| Noninterest expense to average assets | 2.6138% | 3,710 |
| Loan and lease loss provision to assets | 0.0757% | 2,442 |
| Net operating income to assets | 0.5312% | 4,498 |
| Return on assets (ROA) | 0.5312% | 4,607 |
| Pretax return on assets | 0.8415% | 4,059 |
| Return on Equity (ROE) | 5.3793% | 4,302 |
| Retained earnings to average equity (ytd only) | 5.3793% | 2,727 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4676% | 2,565 |
| Assets per employee ($millions) | 5.7518% | 1,621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 3,883 |
| Loan loss allowance to noncurrent loans | 461.8391% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 4,927 |
| Noncurrent loans to loans | 0.2447% | 4,554 |
| Net loans and leases to total assets | 65.0201% | 3,102 |
| Net loans and leases to deposits | 76.4475% | 3,168 |
| Net loans and leases to core deposits | 87.6258% | 2,599 |
| Total domestic deposits to total assets | 85.0519% | 3,116 |
| Equity capital to assets | 9.8193% | 4,316 |
| Core capital (leverage) ratio | 10.0798% | 3,439 |
| Tier 1 risk-based capital ratio | 14.2718% | 3,513 |
| Total risk-based capital ratio | 15.3935% | 3,525 |
| Memoranda: | ||
| Average total assets | $264,284,500 | 2,433 |
| Average earning assets | $250,507,000 | 2,380 |
| Average equity | $26,100,000 | 2,651 |
| Average total loans | $176,752,000 | 2,346 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7790% | 4,106 |
| Cost of funding earning assets | 0.3023% | 4,220 |
| Net interest margin | 3.4768% | 3,610 |
| Noninterest income to average assets | 0.3367% | 4,496 |
| Noninterest expense to average assets | 2.7488% | 3,415 |
| Loan and lease loss provision to assets | -0.0725% | 5,792 |
| Net operating income to assets | 0.5992% | 4,270 |
| Return on assets (ROA) | 0.5992% | 4,375 |
| Pretax return on assets | 0.9695% | 3,581 |
| Return on Equity (ROE) | 5.7212% | 4,177 |
| Retained earnings to average equity (ytd only) | 5.7212% | 1,948 |
| Net charge-offs to loans | -0.1086% | 5,801 |
| Credit loss provision to net charge-offs | 98.2955% | 2,589 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1438% | 2,405 |
| Assets per employee ($millions) | 5.3799% | 1,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1148% | 3,966 |
| Loan loss allowance to noncurrent loans | 456.6434% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.1661% | 4,938 |
| Noncurrent loans to loans | 0.2441% | 4,558 |
| Net loans and leases to total assets | 67.2894% | 2,823 |
| Net loans and leases to deposits | 80.4251% | 2,779 |
| Net loans and leases to core deposits | 92.7667% | 2,154 |
| Total domestic deposits to total assets | 83.6671% | 3,607 |
| Equity capital to assets | 9.9348% | 4,038 |
| Core capital (leverage) ratio | 10.5490% | 2,883 |
| Tier 1 risk-based capital ratio | 15.0451% | 3,161 |
| Total risk-based capital ratio | 16.2124% | 3,128 |
| Memoranda: | ||
| Average total assets | $238,467,600 | 2,592 |
| Average earning assets | $226,962,600 | 2,530 |
| Average equity | $24,977,400 | 2,695 |
| Average total loans | $162,094,400 | 2,442 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7771% | 4,166 |
| Cost of funding earning assets | 0.3038% | 4,297 |
| Net interest margin | 3.4733% | 3,648 |
| Noninterest income to average assets | 0.3597% | 4,364 |
| Noninterest expense to average assets | 2.7656% | 3,323 |
| Loan and lease loss provision to assets | -0.0988% | 5,996 |
| Net operating income to assets | 0.6200% | 4,285 |
| Return on assets (ROA) | 0.6200% | 4,392 |
| Pretax return on assets | 1.0026% | 3,604 |
| Return on Equity (ROE) | 5.8367% | 4,232 |
| Retained earnings to average equity (ytd only) | 5.8367% | 2,343 |
| Net charge-offs to loans | -0.1479% | 5,915 |
| Credit loss provision to net charge-offs | 98.2955% | 2,329 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2295% | 2,364 |
| Assets per employee ($millions) | 5.6496% | 1,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1294% | 4,058 |
| Loan loss allowance to noncurrent loans | 475.4854% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.1657% | 5,092 |
| Noncurrent loans to loans | 0.2375% | 4,721 |
| Net loans and leases to total assets | 68.9914% | 2,540 |
| Net loans and leases to deposits | 87.8785% | 1,922 |
| Net loans and leases to core deposits | 99.9557% | 1,521 |
| Total domestic deposits to total assets | 78.5078% | 5,086 |
| Equity capital to assets | 10.3060% | 3,807 |
| Core capital (leverage) ratio | 11.0292% | 2,454 |
| Tier 1 risk-based capital ratio | 15.2361% | 3,169 |
| Total risk-based capital ratio | 16.4339% | 3,132 |
| Memoranda: | ||
| Average total assets | $233,526,000 | 2,656 |
| Average earning assets | $222,531,000 | 2,586 |
| Average equity | $24,808,000 | 2,730 |
| Average total loans | $158,687,250 | 2,495 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7621% | 4,201 |
| Cost of funding earning assets | 0.3082% | 4,305 |
| Net interest margin | 3.4539% | 3,688 |
| Noninterest income to average assets | 0.4035% | 4,060 |
| Noninterest expense to average assets | 2.7964% | 3,244 |
| Loan and lease loss provision to assets | -0.1514% | 6,135 |
| Net operating income to assets | 0.6521% | 4,115 |
| Return on assets (ROA) | 0.6521% | 4,224 |
| Pretax return on assets | 1.0538% | 3,365 |
| Return on Equity (ROE) | 6.0723% | 4,093 |
| Retained earnings to average equity (ytd only) | 6.0723% | 2,192 |
| Net charge-offs to loans | -0.2289% | 6,059 |
| Credit loss provision to net charge-offs | 98.2955% | 2,095 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6034% | 2,434 |
| Assets per employee ($millions) | 5.8875% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2130% | 3,714 |
| Loan loss allowance to noncurrent loans | 504.8969% | 1,020 |
| Noncurrent assets plus other real estate owned to assets | 0.1690% | 5,200 |
| Noncurrent loans to loans | 0.2402% | 4,797 |
| Net loans and leases to total assets | 69.4827% | 2,411 |
| Net loans and leases to deposits | 89.0116% | 1,717 |
| Net loans and leases to core deposits | 102.6086% | 1,287 |
| Total domestic deposits to total assets | 78.0603% | 5,270 |
| Equity capital to assets | 10.8714% | 3,024 |
| Core capital (leverage) ratio | 11.6069% | 1,916 |
| Tier 1 risk-based capital ratio | 16.4010% | 2,660 |
| Total risk-based capital ratio | 17.6516% | 2,616 |
| Memoranda: | ||
| Average total assets | $228,507,000 | 2,713 |
| Average earning assets | $218,015,000 | 2,641 |
| Average equity | $24,537,670 | 2,764 |
| Average total loans | $153,763,000 | 2,572 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6138% | 4,643 |
| Cost of funding earning assets | 0.3071% | 4,366 |
| Net interest margin | 3.3067% | 4,189 |
| Noninterest income to average assets | 0.4562% | 3,597 |
| Noninterest expense to average assets | 2.8076% | 3,229 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4966% | 4,699 |
| Return on assets (ROA) | 0.4966% | 4,819 |
| Pretax return on assets | 0.8037% | 4,226 |
| Return on Equity (ROE) | 4.6536% | 4,687 |
| Retained earnings to average equity (ytd only) | 4.6536% | 3,233 |
| Net charge-offs to loans | -0.0080% | 4,632 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7454% | 2,224 |
| Assets per employee ($millions) | 5.3901% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 3,569 |
| Loan loss allowance to noncurrent loans | 209.9678% | 2,133 |
| Noncurrent assets plus other real estate owned to assets | 0.4025% | 4,414 |
| Noncurrent loans to loans | 0.6058% | 3,757 |
| Net loans and leases to total assets | 65.6082% | 2,837 |
| Net loans and leases to deposits | 86.0191% | 1,829 |
| Net loans and leases to core deposits | 100.4791% | 1,289 |
| Total domestic deposits to total assets | 76.2716% | 5,707 |
| Equity capital to assets | 10.6816% | 3,336 |
| Core capital (leverage) ratio | 11.6098% | 1,918 |
| Tier 1 risk-based capital ratio | 16.8929% | 2,524 |
| Total risk-based capital ratio | 18.1437% | 2,475 |
| Memoranda: | ||
| Average total assets | $227,955,000 | 2,737 |
| Average earning assets | $217,499,500 | 2,667 |
| Average equity | $24,325,500 | 2,798 |
| Average total loans | $149,895,000 | 2,624 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6938% | 4,792 |
| Cost of funding earning assets | 0.3714% | 4,023 |
| Net interest margin | 3.3223% | 4,505 |
| Noninterest income to average assets | 0.3756% | 4,380 |
| Noninterest expense to average assets | 2.8859% | 3,189 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4010% | 5,223 |
| Return on assets (ROA) | 0.4062% | 5,263 |
| Pretax return on assets | 0.6559% | 4,770 |
| Return on Equity (ROE) | 3.8163% | 5,194 |
| Retained earnings to average equity (ytd only) | 3.7938% | 3,517 |
| Net charge-offs to loans | 0.0614% | 3,616 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 16.5122% | 2,006 |
| Efficiency ratio | 81.6680% | 1,699 |
| Assets per employee ($millions) | 5.0940% | 2,200 |
| Cash dividends to net income (ytd only)* | 0.5889% | 4,313 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3418% | 3,220 |
| Loan loss allowance to noncurrent loans | 208.3067% | 2,169 |
| Noncurrent assets plus other real estate owned to assets | 0.4189% | 4,427 |
| Noncurrent loans to loans | 0.6442% | 3,754 |
| Net loans and leases to total assets | 64.1630% | 3,204 |
| Net loans and leases to deposits | 83.5306% | 2,271 |
| Net loans and leases to core deposits | 98.5723% | 1,506 |
| Total domestic deposits to total assets | 76.8137% | 5,628 |
| Equity capital to assets | 10.6604% | 3,287 |
| Core capital (leverage) ratio | 11.2965% | 2,136 |
| Tier 1 risk-based capital ratio | 17.1703% | 2,442 |
| Total risk-based capital ratio | 18.4227% | 2,395 |
| Memoranda: | ||
| Average total assets | $209,017,400 | 2,884 |
| Average earning assets | $198,686,400 | 2,820 |
| Average equity | $22,246,800 | 2,922 |
| Average total loans | $133,564,200 | 2,796 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7309% | 4,768 |
| Cost of funding earning assets | 0.3742% | 4,085 |
| Net interest margin | 3.3567% | 4,404 |
| Noninterest income to average assets | 0.3794% | 4,403 |
| Noninterest expense to average assets | 3.0410% | 2,671 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3262% | 5,508 |
| Return on assets (ROA) | 0.3333% | 5,551 |
| Pretax return on assets | 0.5373% | 5,214 |
| Return on Equity (ROE) | 3.1325% | 5,493 |
| Retained earnings to average equity (ytd only) | 3.1020% | 4,413 |
| Net charge-offs to loans | 0.0858% | 2,980 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 9.6426% | 2,641 |
| Efficiency ratio | 85.2486% | 1,258 |
| Assets per employee ($millions) | 4.5162% | 2,942 |
| Cash dividends to net income (ytd only)* | 0.9752% | 3,795 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3681% | 3,312 |
| Loan loss allowance to noncurrent loans | 206.5539% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 0.4364% | 4,608 |
| Noncurrent loans to loans | 0.6623% | 3,957 |
| Net loans and leases to total assets | 64.9864% | 3,029 |
| Net loans and leases to deposits | 85.5993% | 1,955 |
| Net loans and leases to core deposits | 104.2229% | 1,093 |
| Total domestic deposits to total assets | 75.9194% | 5,828 |
| Equity capital to assets | 10.8084% | 3,167 |
| Core capital (leverage) ratio | 11.4644% | 2,090 |
| Tier 1 risk-based capital ratio | 17.1212% | 2,565 |
| Total risk-based capital ratio | 18.3732% | 2,521 |
| Memoranda: | ||
| Average total assets | $205,237,500 | 2,955 |
| Average earning assets | $194,906,750 | 2,883 |
| Average equity | $21,835,000 | 2,964 |
| Average total loans | $130,513,000 | 2,867 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6496% | 5,012 |
| Cost of funding earning assets | 0.3696% | 4,215 |
| Net interest margin | 3.2800% | 4,668 |
| Noninterest income to average assets | 0.4072% | 4,194 |
| Noninterest expense to average assets | 3.0835% | 2,554 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2692% | 5,670 |
| Return on assets (ROA) | 0.2801% | 5,707 |
| Pretax return on assets | 0.4519% | 5,415 |
| Return on Equity (ROE) | 2.6475% | 5,648 |
| Retained earnings to average equity (ytd only) | 2.6005% | 4,543 |
| Net charge-offs to loans | 0.1487% | 2,198 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.6596% | 3,067 |
| Efficiency ratio | 87.6376% | 1,118 |
| Assets per employee ($millions) | 4.3437% | 3,187 |
| Cash dividends to net income (ytd only)* | 1.7730% | 3,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4222% | 3,235 |
| Loan loss allowance to noncurrent loans | 331.7406% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.2811% | 5,240 |
| Noncurrent loans to loans | 0.4287% | 4,704 |
| Net loans and leases to total assets | 64.6262% | 2,978 |
| Net loans and leases to deposits | 84.2867% | 2,007 |
| Net loans and leases to core deposits | 101.4998% | 1,171 |
| Total domestic deposits to total assets | 76.6742% | 5,837 |
| Equity capital to assets | 11.1554% | 2,729 |
| Core capital (leverage) ratio | 11.6719% | 1,873 |
| Tier 1 risk-based capital ratio | 17.7001% | 2,351 |
| Total risk-based capital ratio | 18.9527% | 2,318 |
| Memoranda: | ||
| Average total assets | $201,391,330 | 3,017 |
| Average earning assets | $191,036,330 | 2,933 |
| Average equity | $21,303,330 | 3,023 |
| Average total loans | $126,407,670 | 2,938 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5659% | 5,255 |
| Cost of funding earning assets | 0.3685% | 4,337 |
| Net interest margin | 3.1974% | 4,925 |
| Noninterest income to average assets | 0.3538% | 4,545 |
| Noninterest expense to average assets | 3.1258% | 2,454 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1638% | 5,898 |
| Return on assets (ROA) | 0.1638% | 5,937 |
| Pretax return on assets | 0.2628% | 5,794 |
| Return on Equity (ROE) | 1.5941% | 5,903 |
| Retained earnings to average equity (ytd only) | 1.4957% | 5,013 |
| Net charge-offs to loans | 0.3233% | 1,097 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.3265% | 3,123 |
| Efficiency ratio | 92.2434% | 865 |
| Assets per employee ($millions) | 4.3866% | 3,174 |
| Cash dividends to net income (ytd only)* | 6.1728% | 2,752 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5725% | 2,822 |
| Loan loss allowance to noncurrent loans | 394.3089% | 1,175 |
| Noncurrent assets plus other real estate owned to assets | 0.2438% | 5,457 |
| Noncurrent loans to loans | 0.3988% | 4,940 |
| Net loans and leases to total assets | 60.1793% | 3,538 |
| Net loans and leases to deposits | 78.8677% | 2,442 |
| Net loans and leases to core deposits | 95.7695% | 1,399 |
| Total domestic deposits to total assets | 76.3041% | 6,047 |
| Equity capital to assets | 10.2105% | 3,584 |
| Core capital (leverage) ratio | 10.7746% | 2,625 |
| Tier 1 risk-based capital ratio | 17.3044% | 2,553 |
| Total risk-based capital ratio | 18.5590% | 2,516 |
| Memoranda: | ||
| Average total assets | $197,837,500 | 3,081 |
| Average earning assets | $187,778,000 | 2,996 |
| Average equity | $20,325,500 | 3,133 |
| Average total loans | $121,267,000 | 3,044 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5639% | 5,499 |
| Cost of funding earning assets | 0.3702% | 4,953 |
| Net interest margin | 3.1936% | 5,021 |
| Noninterest income to average assets | 0.5471% | 3,422 |
| Noninterest expense to average assets | 2.9074% | 3,349 |
| Loan and lease loss provision to assets | 0.0191% | 4,753 |
| Net operating income to assets | 0.4098% | 5,115 |
| Return on assets (ROA) | 0.4098% | 5,228 |
| Pretax return on assets | 0.6598% | 4,668 |
| Return on Equity (ROE) | 3.5812% | 5,288 |
| Retained earnings to average equity (ytd only) | 3.4187% | 3,801 |
| Net charge-offs to loans | 0.0525% | 4,490 |
| Credit loss provision to net charge-offs | 62.5000% | 3,489 |
| Earnings coverage of net charge-offs (x) | 22.1607% | 1,462 |
| Efficiency ratio | 81.0679% | 2,017 |
| Assets per employee ($millions) | 4.5091% | 2,886 |
| Cash dividends to net income (ytd only)* | 4.5394% | 4,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7103% | 2,371 |
| Loan loss allowance to noncurrent loans | 409.2369% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 0.2568% | 5,488 |
| Noncurrent loans to loans | 0.4179% | 4,958 |
| Net loans and leases to total assets | 60.4070% | 3,637 |
| Net loans and leases to deposits | 78.8540% | 2,610 |
| Net loans and leases to core deposits | 99.1660% | 1,221 |
| Total domestic deposits to total assets | 76.6062% | 6,039 |
| Equity capital to assets | 10.3397% | 3,350 |
| Core capital (leverage) ratio | 11.3125% | 2,108 |
| Tier 1 risk-based capital ratio | 17.3762% | 2,462 |
| Total risk-based capital ratio | 18.6319% | 2,435 |
| Memoranda: | ||
| Average total assets | $182,775,400 | 3,242 |
| Average earning assets | $173,939,600 | 3,166 |
| Average equity | $20,914,600 | 3,058 |
| Average total loans | $106,617,400 | 3,313 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5272% | 5,620 |
| Cost of funding earning assets | 0.3679% | 5,120 |
| Net interest margin | 3.1593% | 5,116 |
| Noninterest income to average assets | 0.5704% | 3,328 |
| Noninterest expense to average assets | 3.0007% | 2,991 |
| Loan and lease loss provision to assets | 0.0074% | 4,827 |
| Net operating income to assets | 0.3548% | 5,421 |
| Return on assets (ROA) | 0.3548% | 5,552 |
| Pretax return on assets | 0.5711% | 5,130 |
| Return on Equity (ROE) | 3.0223% | 5,595 |
| Retained earnings to average equity (ytd only) | 2.8646% | 4,612 |
| Net charge-offs to loans | 0.0721% | 3,904 |
| Credit loss provision to net charge-offs | 17.8571% | 4,103 |
| Earnings coverage of net charge-offs (x) | 13.9474% | 1,980 |
| Efficiency ratio | 83.8369% | 1,623 |
| Assets per employee ($millions) | 4.7389% | 2,524 |
| Cash dividends to net income (ytd only)* | 5.2188% | 3,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7938% | 2,324 |
| Loan loss allowance to noncurrent loans | 397.8261% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.2738% | 5,622 |
| Noncurrent loans to loans | 0.4509% | 5,069 |
| Net loans and leases to total assets | 59.6292% | 3,754 |
| Net loans and leases to deposits | 77.8659% | 2,689 |
| Net loans and leases to core deposits | 98.3727% | 1,215 |
| Total domestic deposits to total assets | 76.5792% | 6,102 |
| Equity capital to assets | 11.1763% | 2,590 |
| Core capital (leverage) ratio | 11.9059% | 1,732 |
| Tier 1 risk-based capital ratio | 18.6502% | 2,095 |
| Total risk-based capital ratio | 19.9071% | 2,067 |
| Memoranda: | ||
| Average total assets | $179,996,000 | 3,294 |
| Average earning assets | $171,423,500 | 3,226 |
| Average equity | $21,131,250 | 3,060 |
| Average total loans | $103,481,000 | 3,397 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4506% | 5,793 |
| Cost of funding earning assets | 0.3679% | 5,248 |
| Net interest margin | 3.0827% | 5,326 |
| Noninterest income to average assets | 0.6133% | 3,109 |
| Noninterest expense to average assets | 3.0585% | 2,803 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3083% | 5,583 |
| Return on assets (ROA) | 0.3083% | 5,728 |
| Pretax return on assets | 0.4955% | 5,395 |
| Return on Equity (ROE) | 2.5834% | 5,766 |
| Retained earnings to average equity (ytd only) | 2.4237% | 4,756 |
| Net charge-offs to loans | 0.1114% | 3,251 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 7.8929% | 2,483 |
| Efficiency ratio | 86.0568% | 1,407 |
| Assets per employee ($millions) | 4.4381% | 2,916 |
| Cash dividends to net income (ytd only)* | 6.1818% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9066% | 2,097 |
| Loan loss allowance to noncurrent loans | 392.7451% | 1,089 |
| Noncurrent assets plus other real estate owned to assets | 0.2873% | 5,617 |
| Noncurrent loans to loans | 0.4855% | 5,051 |
| Net loans and leases to total assets | 58.0507% | 3,978 |
| Net loans and leases to deposits | 77.5536% | 2,630 |
| Net loans and leases to core deposits | 100.3789% | 1,049 |
| Total domestic deposits to total assets | 74.8524% | 6,372 |
| Equity capital to assets | 11.5567% | 2,247 |
| Core capital (leverage) ratio | 12.0325% | 1,598 |
| Tier 1 risk-based capital ratio | 19.7822% | 1,771 |
| Total risk-based capital ratio | 21.0407% | 1,745 |
| Memoranda: | ||
| Average total assets | $178,388,330 | 3,334 |
| Average earning assets | $170,175,000 | 3,251 |
| Average equity | $21,289,670 | 3,063 |
| Average total loans | $100,568,330 | 3,469 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3525% | 6,040 |
| Cost of funding earning assets | 0.3647% | 5,417 |
| Net interest margin | 2.9878% | 5,604 |
| Noninterest income to average assets | 0.5480% | 3,456 |
| Noninterest expense to average assets | 3.0354% | 2,877 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2326% | 5,782 |
| Return on assets (ROA) | 0.2326% | 5,911 |
| Pretax return on assets | 0.3713% | 5,642 |
| Return on Equity (ROE) | 1.9191% | 5,963 |
| Retained earnings to average equity (ytd only) | 1.7715% | 5,102 |
| Net charge-offs to loans | -0.0041% | 5,230 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1005% | 1,226 |
| Assets per employee ($millions) | 4.3846% | 3,180 |
| Cash dividends to net income (ytd only)* | 7.6923% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0247% | 1,980 |
| Loan loss allowance to noncurrent loans | 359.5113% | 1,125 |
| Noncurrent assets plus other real estate owned to assets | 0.3112% | 5,649 |
| Noncurrent loans to loans | 0.5632% | 5,032 |
| Net loans and leases to total assets | 54.1302% | 4,392 |
| Net loans and leases to deposits | 70.5366% | 3,388 |
| Net loans and leases to core deposits | 89.6769% | 1,731 |
| Total domestic deposits to total assets | 76.7407% | 6,270 |
| Equity capital to assets | 11.7483% | 2,217 |
| Core capital (leverage) ratio | 12.0666% | 1,534 |
| Tier 1 risk-based capital ratio | 20.4514% | 1,662 |
| Total risk-based capital ratio | 21.7111% | 1,632 |
| Memoranda: | ||
| Average total assets | $178,820,500 | 3,359 |
| Average earning assets | $171,094,000 | 3,266 |
| Average equity | $21,676,500 | 3,064 |
| Average total loans | $98,324,000 | 3,552 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6300% | 6,167 |
| Cost of funding earning assets | 0.4624% | 5,475 |
| Net interest margin | 3.1676% | 5,649 |
| Noninterest income to average assets | 0.6021% | 3,267 |
| Noninterest expense to average assets | 3.2894% | 2,370 |
| Loan and lease loss provision to assets | 0.0581% | 5,047 |
| Net operating income to assets | 0.1553% | 5,878 |
| Return on assets (ROA) | 0.8492% | 3,300 |
| Pretax return on assets | 1.3818% | 2,103 |
| Return on Equity (ROE) | 6.2239% | 4,058 |
| Retained earnings to average equity (ytd only) | 6.0664% | 2,040 |
| Net charge-offs to loans | -0.0512% | 6,711 |
| Credit loss provision to net charge-offs | -219.0476% | 6,403 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.2409% | 1,046 |
| Assets per employee ($millions) | 4.1306% | 3,686 |
| Cash dividends to net income (ytd only)* | 2.5298% | 4,261 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1695% | 1,605 |
| Loan loss allowance to noncurrent loans | 357.4653% | 1,105 |
| Noncurrent assets plus other real estate owned to assets | 0.3320% | 5,671 |
| Noncurrent loans to loans | 0.6069% | 5,001 |
| Net loans and leases to total assets | 53.5176% | 4,688 |
| Net loans and leases to deposits | 70.3480% | 3,660 |
| Net loans and leases to core deposits | 91.8013% | 1,650 |
| Total domestic deposits to total assets | 76.0754% | 6,345 |
| Equity capital to assets | 12.5185% | 1,700 |
| Core capital (leverage) ratio | 13.1906% | 1,049 |
| Tier 1 risk-based capital ratio | 21.8208% | 1,298 |
| Total risk-based capital ratio | 23.0816% | 1,266 |
| Memoranda: | ||
| Average total assets | $158,267,600 | 3,650 |
| Average earning assets | $152,038,400 | 3,507 |
| Average equity | $21,594,200 | 3,027 |
| Average total loans | $82,040,000 | 3,970 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7306% | 6,168 |
| Cost of funding earning assets | 0.4916% | 5,495 |
| Net interest margin | 3.2391% | 5,585 |
| Noninterest income to average assets | 0.6224% | 3,146 |
| Noninterest expense to average assets | 3.2784% | 2,331 |
| Loan and lease loss provision to assets | 0.0647% | 4,895 |
| Net operating income to assets | 0.2271% | 5,847 |
| Return on assets (ROA) | 0.5662% | 4,810 |
| Pretax return on assets | 0.9262% | 4,005 |
| Return on Equity (ROE) | 4.0562% | 5,265 |
| Retained earnings to average equity (ytd only) | 3.9016% | 4,141 |
| Net charge-offs to loans | -0.0677% | 6,773 |
| Credit loss provision to net charge-offs | -187.5000% | 6,324 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6731% | 1,231 |
| Assets per employee ($millions) | 4.0371% | 3,791 |
| Cash dividends to net income (ytd only)* | 3.8107% | 3,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3371% | 1,450 |
| Loan loss allowance to noncurrent loans | 350.5155% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.3604% | 5,792 |
| Noncurrent loans to loans | 0.6668% | 5,112 |
| Net loans and leases to total assets | 52.7907% | 4,942 |
| Net loans and leases to deposits | 76.0735% | 2,974 |
| Net loans and leases to core deposits | 101.0155% | 1,054 |
| Total domestic deposits to total assets | 69.3943% | 6,873 |
| Equity capital to assets | 13.6058% | 1,303 |
| Core capital (leverage) ratio | 13.1514% | 1,131 |
| Tier 1 risk-based capital ratio | 20.2270% | 1,700 |
| Total risk-based capital ratio | 21.4869% | 1,667 |
| Memoranda: | ||
| Average total assets | $154,462,750 | 3,748 |
| Average earning assets | $148,639,250 | 3,617 |
| Average equity | $21,563,250 | 3,051 |
| Average total loans | $78,823,750 | 4,114 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8448% | 6,041 |
| Cost of funding earning assets | 0.5055% | 5,580 |
| Net interest margin | 3.3393% | 5,309 |
| Noninterest income to average assets | 0.6127% | 3,183 |
| Noninterest expense to average assets | 3.2040% | 2,571 |
| Loan and lease loss provision to assets | 0.0986% | 4,301 |
| Net operating income to assets | 0.3023% | 5,611 |
| Return on assets (ROA) | 0.7533% | 3,865 |
| Pretax return on assets | 1.2280% | 2,811 |
| Return on Equity (ROE) | 5.3483% | 4,648 |
| Retained earnings to average equity (ytd only) | 5.1896% | 3,161 |
| Net charge-offs to loans | -0.0816% | 6,811 |
| Credit loss provision to net charge-offs | -241.9355% | 6,174 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7457% | 1,659 |
| Assets per employee ($millions) | 4.5508% | 2,813 |
| Cash dividends to net income (ytd only)* | 2.9668% | 3,480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6587% | 1,086 |
| Loan loss allowance to noncurrent loans | 407.0140% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.3133% | 5,983 |
| Noncurrent loans to loans | 0.6532% | 5,204 |
| Net loans and leases to total assets | 46.6860% | 5,763 |
| Net loans and leases to deposits | 61.8608% | 5,017 |
| Net loans and leases to core deposits | 83.0673% | 2,819 |
| Total domestic deposits to total assets | 75.4695% | 6,532 |
| Equity capital to assets | 13.6427% | 1,245 |
| Core capital (leverage) ratio | 13.1911% | 1,093 |
| Tier 1 risk-based capital ratio | 21.5719% | 1,377 |
| Total risk-based capital ratio | 22.8333% | 1,350 |
| Memoranda: | ||
| Average total assets | $152,122,670 | 3,803 |
| Average earning assets | $146,379,670 | 3,671 |
| Average equity | $21,427,330 | 3,056 |
| Average total loans | $76,002,330 | 4,224 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0260% | 5,686 |
| Cost of funding earning assets | 0.5159% | 5,715 |
| Net interest margin | 3.5101% | 4,644 |
| Noninterest income to average assets | 0.6436% | 2,968 |
| Noninterest expense to average assets | 3.2744% | 2,373 |
| Loan and lease loss provision to assets | 0.2020% | 2,920 |
| Net operating income to assets | 0.3152% | 5,608 |
| Return on assets (ROA) | 0.6840% | 4,177 |
| Pretax return on assets | 1.1148% | 3,269 |
| Return on Equity (ROE) | 4.7753% | 4,894 |
| Retained earnings to average equity (ytd only) | 4.6249% | 3,798 |
| Net charge-offs to loans | -0.1583% | 6,930 |
| Credit loss provision to net charge-offs | -250.0000% | 5,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5560% | 1,995 |
| Assets per employee ($millions) | 5.3908% | 1,798 |
| Cash dividends to net income (ytd only)* | 3.1496% | 2,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6167% | 1,205 |
| Loan loss allowance to noncurrent loans | 406.8136% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.3192% | 6,093 |
| Noncurrent loans to loans | 0.6432% | 5,355 |
| Net loans and leases to total assets | 48.3254% | 5,510 |
| Net loans and leases to deposits | 66.3878% | 4,318 |
| Net loans and leases to core deposits | 87.3135% | 2,133 |
| Total domestic deposits to total assets | 72.7925% | 6,840 |
| Equity capital to assets | 13.6850% | 1,151 |
| Core capital (leverage) ratio | 13.5037% | 951 |
| Tier 1 risk-based capital ratio | 22.5697% | 1,197 |
| Total risk-based capital ratio | 23.8331% | 1,171 |
| Memoranda: | ||
| Average total assets | $148,544,500 | 3,899 |
| Average earning assets | $142,672,500 | 3,766 |
| Average equity | $21,276,000 | 3,077 |
| Average total loans | $75,807,500 | 4,246 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4167% | 5,356 |
| Cost of funding earning assets | 0.6499% | 5,826 |
| Net interest margin | 3.7668% | 3,998 |
| Noninterest income to average assets | 0.3637% | 4,903 |
| Noninterest expense to average assets | 3.1648% | 2,985 |
| Loan and lease loss provision to assets | 0.1128% | 5,181 |
| Net operating income to assets | 0.4029% | 4,848 |
| Return on assets (ROA) | 0.4146% | 4,981 |
| Pretax return on assets | 0.6901% | 4,357 |
| Return on Equity (ROE) | 2.8759% | 5,341 |
| Retained earnings to average equity (ytd only) | 2.7933% | 4,251 |
| Net charge-offs to loans | 0.6334% | 2,559 |
| Credit loss provision to net charge-offs | 33.1002% | 5,742 |
| Earnings coverage of net charge-offs (x) | 2.3030% | 4,068 |
| Efficiency ratio | 80.1327% | 2,281 |
| Assets per employee ($millions) | 4.6919% | 2,615 |
| Cash dividends to net income (ytd only)* | 2.8736% | 4,026 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6001% | 1,193 |
| Loan loss allowance to noncurrent loans | 245.8493% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 0.5563% | 5,581 |
| Noncurrent loans to loans | 1.0576% | 4,593 |
| Net loans and leases to total assets | 51.2316% | 5,436 |
| Net loans and leases to deposits | 70.8947% | 3,967 |
| Net loans and leases to core deposits | 95.3522% | 1,557 |
| Total domestic deposits to total assets | 72.2643% | 6,858 |
| Equity capital to assets | 15.0316% | 775 |
| Core capital (leverage) ratio | 14.1669% | 782 |
| Tier 1 risk-based capital ratio | 23.5230% | 1,024 |
| Total risk-based capital ratio | 24.7868% | 1,005 |
| Memoranda: | ||
| Average total assets | $125,916,000 | 4,251 |
| Average earning assets | $119,864,200 | 4,133 |
| Average equity | $18,150,800 | 3,404 |
| Average total loans | $67,726,600 | 4,571 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4403% | 5,458 |
| Cost of funding earning assets | 0.6811% | 5,870 |
| Net interest margin | 3.7592% | 4,069 |
| Noninterest income to average assets | 0.2695% | 5,688 |
| Noninterest expense to average assets | 3.1367% | 3,035 |
| Loan and lease loss provision to assets | 0.0851% | 5,379 |
| Net operating income to assets | 0.3745% | 5,106 |
| Return on assets (ROA) | 0.3906% | 5,227 |
| Pretax return on assets | 0.6437% | 4,673 |
| Return on Equity (ROE) | 2.7434% | 5,524 |
| Retained earnings to average equity (ytd only) | 2.6898% | 4,749 |
| Net charge-offs to loans | 0.8647% | 1,837 |
| Credit loss provision to net charge-offs | 18.1818% | 5,583 |
| Earnings coverage of net charge-offs (x) | 1.5035% | 4,511 |
| Efficiency ratio | 81.6761% | 2,021 |
| Assets per employee ($millions) | 5.3445% | 1,758 |
| Cash dividends to net income (ytd only)* | 1.9547% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4826% | 1,420 |
| Loan loss allowance to noncurrent loans | 231.4677% | 1,356 |
| Noncurrent assets plus other real estate owned to assets | 0.5786% | 5,667 |
| Noncurrent loans to loans | 1.0725% | 4,770 |
| Net loans and leases to total assets | 52.6076% | 5,374 |
| Net loans and leases to deposits | 72.3345% | 3,937 |
| Net loans and leases to core deposits | 94.3349% | 1,764 |
| Total domestic deposits to total assets | 72.7283% | 6,878 |
| Equity capital to assets | 15.1234% | 825 |
| Core capital (leverage) ratio | 14.6008% | 750 |
| Tier 1 risk-based capital ratio | 22.2930% | 1,239 |
| Total risk-based capital ratio | 23.5562% | 1,214 |
| Memoranda: | ||
| Average total assets | $122,205,750 | 4,358 |
| Average earning assets | $116,085,000 | 4,249 |
| Average equity | $17,399,000 | 3,527 |
| Average total loans | $66,149,000 | 4,670 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5760% | 5,070 |
| Cost of funding earning assets | 0.7101% | 5,902 |
| Net interest margin | 3.8659% | 3,463 |
| Noninterest income to average assets | 0.1921% | 6,293 |
| Noninterest expense to average assets | 3.1006% | 3,254 |
| Loan and lease loss provision to assets | 0.1732% | 4,198 |
| Net operating income to assets | 0.3481% | 5,179 |
| Return on assets (ROA) | 0.3756% | 5,195 |
| Pretax return on assets | 0.6208% | 4,670 |
| Return on Equity (ROE) | 2.7048% | 5,520 |
| Retained earnings to average equity (ytd only) | 2.7048% | 4,568 |
| Net charge-offs to loans | 0.1361% | 4,385 |
| Credit loss provision to net charge-offs | 234.8837% | 1,280 |
| Earnings coverage of net charge-offs (x) | 10.1860% | 1,842 |
| Efficiency ratio | 80.4987% | 2,314 |
| Assets per employee ($millions) | 5.3738% | 1,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2814% | 715 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 54.1336% | 5,276 |
| Net loans and leases to deposits | 73.5932% | 3,866 |
| Net loans and leases to core deposits | 99.0100% | 1,433 |
| Total domestic deposits to total assets | 73.5578% | 6,882 |
| Equity capital to assets | 13.7446% | 1,183 |
| Core capital (leverage) ratio | 12.8821% | 1,208 |
| Tier 1 risk-based capital ratio | 19.5673% | 1,699 |
| Total risk-based capital ratio | 20.8375% | 1,664 |
| Memoranda: | ||
| Average total assets | $116,622,000 | 4,544 |
| Average earning assets | $110,402,330 | 4,435 |
| Average equity | $16,193,670 | 3,699 |
| Average total loans | $63,211,000 | 4,822 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5977% | 4,952 |
| Cost of funding earning assets | 0.7194% | 6,029 |
| Net interest margin | 3.8782% | 3,254 |
| Noninterest income to average assets | 0.1839% | 6,408 |
| Noninterest expense to average assets | 3.0972% | 3,255 |
| Loan and lease loss provision to assets | 0.1626% | 4,003 |
| Net operating income to assets | 0.3509% | 5,172 |
| Return on assets (ROA) | 0.3712% | 5,154 |
| Pretax return on assets | 0.6152% | 4,630 |
| Return on Equity (ROE) | 2.6588% | 5,540 |
| Retained earnings to average equity (ytd only) | 2.6588% | 4,572 |
| Net charge-offs to loans | 0.2856% | 2,918 |
| Credit loss provision to net charge-offs | 106.9767% | 2,497 |
| Earnings coverage of net charge-offs (x) | 4.9070% | 2,375 |
| Efficiency ratio | 80.5888% | 2,424 |
| Assets per employee ($millions) | 5.6264% | 1,471 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5834% | 568 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 52.9628% | 5,458 |
| Net loans and leases to deposits | 74.4975% | 3,682 |
| Net loans and leases to core deposits | 89.6723% | 2,384 |
| Total domestic deposits to total assets | 71.0934% | 7,130 |
| Equity capital to assets | 14.1103% | 977 |
| Core capital (leverage) ratio | 12.9054% | 1,155 |
| Tier 1 risk-based capital ratio | 20.4368% | 1,495 |
| Total risk-based capital ratio | 21.7100% | 1,467 |
| Memoranda: | ||
| Average total assets | $113,134,000 | 4,663 |
| Average earning assets | $106,749,500 | 4,568 |
| Average equity | $15,796,500 | 3,751 |
| Average total loans | $60,227,500 | 4,993 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6780% | 5,871 |
| Cost of funding earning assets | 0.8788% | 6,247 |
| Net interest margin | 3.7992% | 3,949 |
| Noninterest income to average assets | 0.2372% | 6,100 |
| Noninterest expense to average assets | 3.3635% | 2,544 |
| Loan and lease loss provision to assets | 2.7709% | 369 |
| Net operating income to assets | -1.4656% | 6,900 |
| Return on assets (ROA) | -1.3850% | 6,888 |
| Pretax return on assets | -2.1921% | 7,089 |
| Return on Equity (ROE) | -8.1799% | 6,638 |
| Retained earnings to average equity (ytd only) | -8.1799% | 6,551 |
| Net charge-offs to loans | 3.8131% | 348 |
| Credit loss provision to net charge-offs | 142.2436% | 2,629 |
| Earnings coverage of net charge-offs (x) | 0.2324% | 5,876 |
| Efficiency ratio | 88.1352% | 1,474 |
| Assets per employee ($millions) | 5.9863% | 1,218 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7720% | 482 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 49.6132% | 6,198 |
| Net loans and leases to deposits | 74.8826% | 4,048 |
| Net loans and leases to core deposits | 91.4676% | 2,561 |
| Total domestic deposits to total assets | 66.2546% | 7,381 |
| Equity capital to assets | 13.8166% | 1,096 |
| Core capital (leverage) ratio | 13.2693% | 1,039 |
| Tier 1 risk-based capital ratio | 21.1880% | 1,288 |
| Total risk-based capital ratio | 22.4636% | 1,264 |
| Memoranda: | ||
| Average total assets | $101,589,800 | 4,935 |
| Average earning assets | $95,703,200 | 4,839 |
| Average equity | $17,200,600 | 3,555 |
| Average total loans | $51,899,400 | 5,408 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7268% | 5,921 |
| Cost of funding earning assets | 0.9232% | 6,295 |
| Net interest margin | 3.8036% | 3,961 |
| Noninterest income to average assets | 0.2205% | 6,331 |
| Noninterest expense to average assets | 3.5784% | 1,839 |
| Loan and lease loss provision to assets | 3.6325% | 190 |
| Net operating income to assets | -2.1506% | 7,277 |
| Return on assets (ROA) | -2.0415% | 7,270 |
| Pretax return on assets | -3.2415% | 7,466 |
| Return on Equity (ROE) | -11.4497% | 6,986 |
| Retained earnings to average equity (ytd only) | -11.4497% | 6,947 |
| Net charge-offs to loans | 5.2813% | 154 |
| Credit loss provision to net charge-offs | 134.9925% | 2,984 |
| Earnings coverage of net charge-offs (x) | 0.0820% | 5,951 |
| Efficiency ratio | 94.1952% | 992 |
| Assets per employee ($millions) | 5.6793% | 1,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1142% | 334 |
| 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 | 44.7515% | 6,791 |
| Net loans and leases to deposits | 64.9382% | 5,798 |
| Net loans and leases to core deposits | 80.5303% | 4,442 |
| Total domestic deposits to total assets | 68.9140% | 7,333 |
| Equity capital to assets | 15.4040% | 794 |
| Core capital (leverage) ratio | 14.4606% | 824 |
| Tier 1 risk-based capital ratio | 24.3240% | 911 |
| Total risk-based capital ratio | 25.5981% | 893 |
| Memoranda: | ||
| Average total assets | $98,552,250 | 5,094 |
| Average earning assets | $92,718,000 | 4,983 |
| Average equity | $17,572,000 | 3,542 |
| Average total loans | $50,213,750 | 5,561 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6815% | 6,202 |
| Cost of funding earning assets | 0.9661% | 6,306 |
| Net interest margin | 3.7154% | 4,292 |
| Noninterest income to average assets | 0.2305% | 6,265 |
| Noninterest expense to average assets | 3.6800% | 1,596 |
| Loan and lease loss provision to assets | 0.3123% | 3,879 |
| Net operating income to assets | -0.1980% | 6,358 |
| Return on assets (ROA) | -0.0943% | 6,295 |
| Pretax return on assets | -0.1257% | 6,271 |
| Return on Equity (ROE) | -0.5031% | 6,251 |
| Retained earnings to average equity (ytd only) | -0.5031% | 5,845 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.7071% | 851 |
| Assets per employee ($millions) | 4.9012% | 2,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7965% | 1,002 |
| 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 | 51.5016% | 6,266 |
| Net loans and leases to deposits | 72.4044% | 4,928 |
| Net loans and leases to core deposits | 89.4333% | 3,353 |
| Total domestic deposits to total assets | 71.1304% | 7,256 |
| Equity capital to assets | 17.6400% | 452 |
| Core capital (leverage) ratio | 17.4783% | 399 |
| Tier 1 risk-based capital ratio | 27.0066% | 698 |
| Total risk-based capital ratio | 28.2713% | 681 |
| Memoranda: | ||
| Average total assets | $95,434,000 | 5,206 |
| Average earning assets | $89,842,330 | 5,100 |
| Average equity | $17,888,670 | 3,482 |
| Average total loans | $50,164,330 | 5,599 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7588% | 6,043 |
| Cost of funding earning assets | 1.0404% | 6,170 |
| Net interest margin | 3.7184% | 4,156 |
| Noninterest income to average assets | 0.1658% | 6,779 |
| Noninterest expense to average assets | 3.9961% | 1,037 |
| Loan and lease loss provision to assets | 0.3272% | 3,444 |
| Net operating income to assets | -0.4406% | 6,794 |
| Return on assets (ROA) | -0.4406% | 6,827 |
| Pretax return on assets | -0.6806% | 6,887 |
| Return on Equity (ROE) | -2.2754% | 6,667 |
| Retained earnings to average equity (ytd only) | -2.2754% | 6,251 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7006% | 607 |
| Assets per employee ($millions) | 4.5462% | 2,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8786% | 914 |
| 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 | 51.2784% | 6,344 |
| Net loans and leases to deposits | 73.3698% | 4,846 |
| Net loans and leases to core deposits | 93.4203% | 2,914 |
| Total domestic deposits to total assets | 69.8903% | 7,416 |
| Equity capital to assets | 18.5994% | 368 |
| Core capital (leverage) ratio | 18.3422% | 354 |
| Tier 1 risk-based capital ratio | 28.3167% | 617 |
| Total risk-based capital ratio | 29.5814% | 601 |
| Memoranda: | ||
| Average total assets | $91,688,500 | 5,399 |
| Average earning assets | $85,736,000 | 5,312 |
| Average equity | $17,755,000 | 3,531 |
| Average total loans | $47,980,000 | 5,757 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9133% | 6,677 |
| Cost of funding earning assets | 1.1949% | 6,674 |
| Net interest margin | 3.7184% | 4,052 |
| Noninterest income to average assets | 0.1093% | 7,217 |
| Noninterest expense to average assets | 4.2326% | 1,053 |
| Loan and lease loss provision to assets | 1.3869% | 1,652 |
| Net operating income to assets | -1.3048% | 6,764 |
| Return on assets (ROA) | -0.9619% | 6,554 |
| Pretax return on assets | -1.5073% | 6,707 |
| Return on Equity (ROE) | -3.7858% | 6,093 |
| Retained earnings to average equity (ytd only) | -3.7858% | 5,837 |
| Net charge-offs to loans | 0.0266% | 6,874 |
| Credit loss provision to net charge-offs | 10,020.0000% | 34 |
| Earnings coverage of net charge-offs (x) | -47.4000% | 7,213 |
| Efficiency ratio | 118.3437% | 635 |
| Assets per employee ($millions) | 4.3953% | 3,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0207% | 762 |
| 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 | 50.2548% | 6,614 |
| Net loans and leases to deposits | 75.7675% | 4,784 |
| Net loans and leases to core deposits | 93.2378% | 4,754 |
| Total domestic deposits to total assets | 66.3277% | 7,629 |
| Equity capital to assets | 20.1954% | 284 |
| Core capital (leverage) ratio | 20.0693% | 276 |
| Tier 1 risk-based capital ratio | 30.3757% | 504 |
| Total risk-based capital ratio | 31.6419% | 489 |
| Memoranda: | ||
| Average total assets | $72,249,400 | 5,936 |
| Average earning assets | $67,368,400 | 5,890 |
| Average equity | $18,358,200 | 3,451 |
| Average total loans | $37,575,000 | 6,217 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0738% | 6,366 |
| Cost of funding earning assets | 1.2265% | 6,816 |
| Net interest margin | 3.8474% | 3,445 |
| Noninterest income to average assets | 0.0917% | 7,445 |
| Noninterest expense to average assets | 4.7373% | 595 |
| Loan and lease loss provision to assets | 0.3200% | 4,424 |
| Net operating income to assets | -0.9159% | 6,773 |
| Return on assets (ROA) | -0.4175% | 6,336 |
| Pretax return on assets | -0.6361% | 6,434 |
| Return on Equity (ROE) | -1.5415% | 6,026 |
| Retained earnings to average equity (ytd only) | -1.5415% | 5,621 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 129.2177% | 484 |
| Assets per employee ($millions) | 4.0312% | 3,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4079% | 3,896 |
| 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 | 47.5962% | 6,992 |
| Net loans and leases to deposits | 69.4602% | 5,986 |
| Net loans and leases to core deposits | 84.5131% | 6,002 |
| Total domestic deposits to total assets | 68.5230% | 7,532 |
| Equity capital to assets | 22.8108% | 221 |
| Core capital (leverage) ratio | 23.1474% | 204 |
| Tier 1 risk-based capital ratio | 35.9200% | 358 |
| Total risk-based capital ratio | 37.0503% | 355 |
| Memoranda: | ||
| Average total assets | $68,335,250 | 6,094 |
| Average earning assets | $63,487,500 | 6,058 |
| Average equity | $18,509,500 | 3,451 |
| Average total loans | $35,580,500 | 6,370 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2575% | 5,836 |
| Cost of funding earning assets | 1.2815% | 6,867 |
| Net interest margin | 3.9760% | 2,807 |
| Noninterest income to average assets | 0.0809% | 7,573 |
| Noninterest expense to average assets | 4.9378% | 535 |
| Loan and lease loss provision to assets | 0.5013% | 3,032 |
| Net operating income to assets | -1.1159% | 7,062 |
| Return on assets (ROA) | -0.3207% | 6,365 |
| Pretax return on assets | -0.4826% | 6,407 |
| Return on Equity (ROE) | -1.1106% | 6,086 |
| Retained earnings to average equity (ytd only) | -1.1106% | 5,511 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 131.6183% | 511 |
| Assets per employee ($millions) | 4.2097% | 3,282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3439% | 4,017 |
| 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 | 55.9044% | 6,216 |
| Net loans and leases to deposits | 93.7241% | 2,135 |
| Net loans and leases to core deposits | 116.5157% | 2,666 |
| Total domestic deposits to total assets | 59.6479% | 7,940 |
| Equity capital to assets | 25.4133% | 193 |
| Core capital (leverage) ratio | 25.1840% | 204 |
| Tier 1 risk-based capital ratio | 36.9119% | 372 |
| Total risk-based capital ratio | 38.0690% | 366 |
| Memoranda: | ||
| Average total assets | $64,239,000 | 6,294 |
| Average earning assets | $59,305,330 | 6,264 |
| Average equity | $18,549,000 | 3,459 |
| Average total loans | $34,466,670 | 6,479 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3161% | 5,822 |
| Cost of funding earning assets | 1.2712% | 7,113 |
| Net interest margin | 4.0449% | 2,470 |
| Noninterest income to average assets | 0.0726% | 7,694 |
| Noninterest expense to average assets | 5.0779% | 458 |
| Loan and lease loss provision to assets | 0.4622% | 2,621 |
| Net operating income to assets | -1.1667% | 7,347 |
| Return on assets (ROA) | 0.4688% | 4,760 |
| Pretax return on assets | 0.7858% | 4,126 |
| Return on Equity (ROE) | 1.5163% | 5,959 |
| Retained earnings to average equity (ytd only) | 1.5163% | 5,005 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.6760% | 462 |
| Assets per employee ($millions) | 3.5771% | 4,635 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3224% | 3,946 |
| 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 | 52.6147% | 6,620 |
| Net loans and leases to deposits | 80.7672% | 4,494 |
| Net loans and leases to core deposits | 101.4524% | 4,400 |
| Total domestic deposits to total assets | 65.1436% | 7,782 |
| Equity capital to assets | 28.8785% | 158 |
| Core capital (leverage) ratio | 30.0042% | 155 |
| Tier 1 risk-based capital ratio | 43.2187% | 277 |
| Total risk-based capital ratio | 44.3214% | 273 |
| Memoranda: | ||
| Average total assets | $60,576,000 | 6,453 |
| Average earning assets | $55,379,000 | 6,443 |
| Average equity | $18,730,000 | 3,449 |
| Average total loans | $31,423,500 | 6,679 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1630% | 7,711 |
| Cost of funding earning assets | 1.0506% | 8,031 |
| Net interest margin | 4.1124% | 2,657 |
| Noninterest income to average assets | 0.0772% | 7,753 |
| Noninterest expense to average assets | 6.7333% | 308 |
| Loan and lease loss provision to assets | 0.9340% | 1,587 |
| Net operating income to assets | -2.4288% | 7,691 |
| Return on assets (ROA) | -2.4288% | 7,659 |
| Pretax return on assets | -3.8234% | 7,861 |
| Return on Equity (ROE) | -4.9890% | 6,867 |
| Retained earnings to average equity (ytd only) | -4.9890% | 6,513 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 175.1673% | 265 |
| Assets per employee ($millions) | 3.3391% | 5,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3466% | 3,497 |
| 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 | 49.5587% | 7,066 |
| Net loans and leases to deposits | 107.8557% | 985 |
| Net loans and leases to core deposits | 130.0842% | 1,845 |
| Total domestic deposits to total assets | 45.9491% | 8,152 |
| Equity capital to assets | 33.2353% | 139 |
| Core capital (leverage) ratio | 35.0823% | 137 |
| Tier 1 risk-based capital ratio | 50.9464% | 211 |
| Total risk-based capital ratio | 52.0410% | 210 |
| Memoranda: | ||
| Average total assets | $38,866,400 | 7,266 |
| Average earning assets | $35,599,800 | 7,259 |
| Average equity | $18,921,800 | 3,409 |
| Average total loans | $14,941,200 | 7,652 |