Home > NorthStar Bank > Performance and Condition Ratios
NorthStar Bank, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5799% | 1,422 |
| Cost of funding earning assets | 0.5441% | 1,938 |
| Net interest margin | 4.0357% | 1,585 |
| Noninterest income to average assets | 0.1824% | 5,106 |
| Noninterest expense to average assets | 3.2315% | 1,492 |
| Loan and lease loss provision to assets | 0.0057% | 4,010 |
| Net operating income to assets | 0.4751% | 4,813 |
| Return on assets (ROA) | 0.5472% | 4,618 |
| Pretax return on assets | 0.8772% | 4,115 |
| Return on Equity (ROE) | 5.2844% | 4,421 |
| Retained earnings to average equity (ytd only) | 5.2844% | 2,702 |
| Net charge-offs to loans | -0.0211% | 4,866 |
| Credit loss provision to net charge-offs | -40.9091% | 4,432 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7534% | 1,018 |
| Assets per employee ($millions) | 5.6982% | 1,721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 2,411 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 67.9169% | 2,855 |
| Net loans and leases to deposits | 77.7623% | 3,192 |
| Net loans and leases to core deposits | 90.3978% | 2,573 |
| Total domestic deposits to total assets | 87.3391% | 1,705 |
| Equity capital to assets | 10.8099% | 3,054 |
| Core capital (leverage) ratio | 10.0340% | 3,530 |
| Tier 1 risk-based capital ratio | 12.9928% | 4,012 |
| Total risk-based capital ratio | 14.1203% | 3,999 |
| Memoranda: | ||
| Average total assets | $210,503,500 | 2,843 |
| Average earning assets | $199,215,250 | 2,801 |
| Average equity | $21,799,250 | 3,000 |
| Average total loans | $138,974,750 | 2,813 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5379% | 1,416 |
| Cost of funding earning assets | 0.5095% | 2,098 |
| Net interest margin | 4.0284% | 1,521 |
| Noninterest income to average assets | 0.2063% | 5,014 |
| Noninterest expense to average assets | 3.2672% | 1,430 |
| Loan and lease loss provision to assets | 0.0038% | 3,826 |
| Net operating income to assets | 0.4372% | 4,875 |
| Return on assets (ROA) | 0.5445% | 4,585 |
| Pretax return on assets | 0.8724% | 4,023 |
| Return on Equity (ROE) | 5.3336% | 4,340 |
| Retained earnings to average equity (ytd only) | 5.3336% | 2,510 |
| Net charge-offs to loans | -0.0391% | 5,063 |
| Credit loss provision to net charge-offs | -14.8148% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1801% | 988 |
| Assets per employee ($millions) | 5.0897% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2954% | 2,434 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 64.8705% | 3,267 |
| Net loans and leases to deposits | 81.7411% | 2,725 |
| Net loans and leases to core deposits | 91.1052% | 2,415 |
| Total domestic deposits to total assets | 79.3609% | 4,541 |
| Equity capital to assets | 10.2938% | 3,577 |
| Core capital (leverage) ratio | 10.0333% | 3,498 |
| Tier 1 risk-based capital ratio | 12.7130% | 4,181 |
| Total risk-based capital ratio | 13.8312% | 4,158 |
| Memoranda: | ||
| Average total assets | $212,292,670 | 2,834 |
| Average earning assets | $198,639,330 | 2,817 |
| Average equity | $21,674,000 | 3,010 |
| Average total loans | $138,252,330 | 2,832 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4461% | 1,509 |
| Cost of funding earning assets | 0.4802% | 2,248 |
| Net interest margin | 3.9660% | 1,565 |
| Noninterest income to average assets | 0.2080% | 5,022 |
| Noninterest expense to average assets | 3.2956% | 1,400 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.3972% | 4,950 |
| Return on assets (ROA) | 0.6126% | 4,157 |
| Pretax return on assets | 0.9813% | 3,444 |
| Return on Equity (ROE) | 6.0255% | 3,898 |
| Retained earnings to average equity (ytd only) | 6.0255% | 2,320 |
| Net charge-offs to loans | -0.0758% | 5,355 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6372% | 1,004 |
| Assets per employee ($millions) | 4.9255% | 2,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3281% | 2,401 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 63.6685% | 3,311 |
| Net loans and leases to deposits | 80.3643% | 2,704 |
| Net loans and leases to core deposits | 86.7977% | 2,658 |
| Total domestic deposits to total assets | 79.2249% | 4,785 |
| Equity capital to assets | 10.2268% | 3,486 |
| Core capital (leverage) ratio | 9.7615% | 3,799 |
| Tier 1 risk-based capital ratio | 12.6018% | 4,319 |
| Total risk-based capital ratio | 13.7208% | 4,309 |
| Memoranda: | ||
| Average total assets | $211,554,500 | 2,874 |
| Average earning assets | $199,094,500 | 2,836 |
| Average equity | $21,508,500 | 3,029 |
| Average total loans | $137,132,000 | 2,862 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4282% | 1,751 |
| Cost of funding earning assets | 0.5335% | 1,842 |
| Net interest margin | 3.8947% | 1,985 |
| Noninterest income to average assets | 0.2742% | 4,776 |
| Noninterest expense to average assets | 3.4237% | 1,303 |
| Loan and lease loss provision to assets | 0.0543% | 3,297 |
| Net operating income to assets | 0.3050% | 5,211 |
| Return on assets (ROA) | 0.3056% | 5,274 |
| Pretax return on assets | 0.4900% | 5,042 |
| Return on Equity (ROE) | 3.0377% | 5,146 |
| Retained earnings to average equity (ytd only) | 3.0377% | 3,734 |
| Net charge-offs to loans | 0.0596% | 2,859 |
| Credit loss provision to net charge-offs | 148.7179% | 1,844 |
| Earnings coverage of net charge-offs (x) | 14.8846% | 2,255 |
| Efficiency ratio | 86.3041% | 801 |
| Assets per employee ($millions) | 5.0319% | 2,357 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3001% | 2,543 |
| Loan loss allowance to noncurrent loans | 373.4864% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 0.2266% | 4,401 |
| Noncurrent loans to loans | 0.3481% | 3,884 |
| Net loans and leases to total assets | 64.2620% | 3,322 |
| Net loans and leases to deposits | 86.0828% | 2,154 |
| Net loans and leases to core deposits | 92.0030% | 2,304 |
| Total domestic deposits to total assets | 74.6514% | 5,386 |
| Equity capital to assets | 10.0955% | 3,613 |
| Core capital (leverage) ratio | 9.4382% | 4,175 |
| Tier 1 risk-based capital ratio | 12.7116% | 4,268 |
| Total risk-based capital ratio | 13.8432% | 4,221 |
| Memoranda: | ||
| Average total assets | $213,685,800 | 2,816 |
| Average earning assets | $202,610,000 | 2,763 |
| Average equity | $21,496,800 | 3,023 |
| Average total loans | $130,919,200 | 2,905 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3895% | 1,890 |
| Cost of funding earning assets | 0.5585% | 1,620 |
| Net interest margin | 3.8310% | 2,224 |
| Noninterest income to average assets | 0.2800% | 4,766 |
| Noninterest expense to average assets | 3.4018% | 1,337 |
| Loan and lease loss provision to assets | 0.0249% | 3,750 |
| Net operating income to assets | 0.3004% | 5,284 |
| Return on assets (ROA) | 0.3012% | 5,367 |
| Pretax return on assets | 0.4829% | 5,163 |
| Return on Equity (ROE) | 2.9963% | 5,218 |
| Retained earnings to average equity (ytd only) | 2.9963% | 4,119 |
| Net charge-offs to loans | 0.0248% | 3,172 |
| Credit loss provision to net charge-offs | 166.6667% | 1,654 |
| Earnings coverage of net charge-offs (x) | 33.9159% | 1,378 |
| Efficiency ratio | 87.0403% | 731 |
| Assets per employee ($millions) | 5.0510% | 2,310 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 2,727 |
| Loan loss allowance to noncurrent loans | 393.5412% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 0.2067% | 4,608 |
| Noncurrent loans to loans | 0.3285% | 4,079 |
| Net loans and leases to total assets | 62.1187% | 3,628 |
| Net loans and leases to deposits | 85.9723% | 2,260 |
| Net loans and leases to core deposits | 89.3171% | 2,639 |
| Total domestic deposits to total assets | 72.2543% | 5,585 |
| Equity capital to assets | 10.0781% | 4,058 |
| Core capital (leverage) ratio | 9.4446% | 4,261 |
| Tier 1 risk-based capital ratio | 12.7053% | 4,338 |
| Total risk-based capital ratio | 13.8319% | 4,329 |
| Memoranda: | ||
| Average total assets | $214,272,000 | 2,819 |
| Average earning assets | $202,933,250 | 2,769 |
| Average equity | $21,537,000 | 3,042 |
| Average total loans | $129,248,750 | 2,938 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3262% | 2,069 |
| Cost of funding earning assets | 0.6049% | 1,278 |
| Net interest margin | 3.7213% | 2,612 |
| Noninterest income to average assets | 0.3122% | 4,541 |
| Noninterest expense to average assets | 3.3999% | 1,373 |
| Loan and lease loss provision to assets | 0.0375% | 3,407 |
| Net operating income to assets | 0.2522% | 5,424 |
| Return on assets (ROA) | 0.2522% | 5,490 |
| Pretax return on assets | 0.4051% | 5,334 |
| Return on Equity (ROE) | 2.5117% | 5,377 |
| Retained earnings to average equity (ytd only) | 2.5117% | 4,283 |
| Net charge-offs to loans | 0.0316% | 2,835 |
| Credit loss provision to net charge-offs | 200.0000% | 1,298 |
| Earnings coverage of net charge-offs (x) | 23.6000% | 1,583 |
| Efficiency ratio | 88.4822% | 686 |
| Assets per employee ($millions) | 5.2380% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 2,477 |
| Loan loss allowance to noncurrent loans | 197.4359% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.4177% | 3,834 |
| Noncurrent loans to loans | 0.6900% | 3,011 |
| Net loans and leases to total assets | 59.7095% | 3,921 |
| Net loans and leases to deposits | 84.0975% | 2,459 |
| Net loans and leases to core deposits | 86.6965% | 2,839 |
| Total domestic deposits to total assets | 71.0004% | 5,727 |
| Equity capital to assets | 10.0928% | 4,103 |
| Core capital (leverage) ratio | 9.2439% | 4,529 |
| Tier 1 risk-based capital ratio | 13.0044% | 4,195 |
| Total risk-based capital ratio | 14.1755% | 4,161 |
| Memoranda: | ||
| Average total assets | $213,298,000 | 2,851 |
| Average earning assets | $202,348,330 | 2,788 |
| Average equity | $21,419,670 | 3,057 |
| Average total loans | $126,770,000 | 2,986 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1889% | 2,513 |
| Cost of funding earning assets | 0.6724% | 934 |
| Net interest margin | 3.5165% | 3,403 |
| Noninterest income to average assets | 0.3914% | 3,894 |
| Noninterest expense to average assets | 3.2893% | 1,631 |
| Loan and lease loss provision to assets | 0.0753% | 2,453 |
| Net operating income to assets | 0.2315% | 5,474 |
| Return on assets (ROA) | 0.2315% | 5,535 |
| Pretax return on assets | 0.3726% | 5,357 |
| Return on Equity (ROE) | 2.3107% | 5,424 |
| Retained earnings to average equity (ytd only) | 2.3107% | 4,326 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.0161% | 818 |
| Assets per employee ($millions) | 5.1508% | 2,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4165% | 2,350 |
| Loan loss allowance to noncurrent loans | 193.2039% | 2,283 |
| Noncurrent assets plus other real estate owned to assets | 0.4390% | 3,830 |
| Noncurrent loans to loans | 0.7332% | 3,001 |
| Net loans and leases to total assets | 59.0229% | 3,917 |
| Net loans and leases to deposits | 81.0222% | 2,672 |
| Net loans and leases to core deposits | 83.7766% | 2,957 |
| Total domestic deposits to total assets | 72.8478% | 5,720 |
| Equity capital to assets | 10.1423% | 3,907 |
| Core capital (leverage) ratio | 9.3800% | 4,382 |
| Tier 1 risk-based capital ratio | 13.1157% | 4,187 |
| Total risk-based capital ratio | 14.3203% | 4,136 |
| Memoranda: | ||
| Average total assets | $212,568,000 | 2,863 |
| Average earning assets | $202,247,500 | 2,799 |
| Average equity | $21,292,000 | 3,078 |
| Average total loans | $125,154,000 | 3,012 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0791% | 3,004 |
| Cost of funding earning assets | 0.5867% | 1,453 |
| Net interest margin | 3.4923% | 3,552 |
| Noninterest income to average assets | 0.2113% | 5,328 |
| Noninterest expense to average assets | 3.0060% | 2,524 |
| Loan and lease loss provision to assets | 0.3214% | 509 |
| Net operating income to assets | 0.1462% | 5,686 |
| Return on assets (ROA) | 0.1890% | 5,654 |
| Pretax return on assets | 0.2758% | 5,573 |
| Return on Equity (ROE) | 1.7814% | 5,627 |
| Retained earnings to average equity (ytd only) | 1.7814% | 4,716 |
| Net charge-offs to loans | 0.0992% | 2,426 |
| Credit loss provision to net charge-offs | 623.0769% | 547 |
| Earnings coverage of net charge-offs (x) | 10.3750% | 2,689 |
| Efficiency ratio | 84.8880% | 1,098 |
| Assets per employee ($millions) | 5.7825% | 1,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 2,360 |
| Loan loss allowance to noncurrent loans | 188.6853% | 2,356 |
| Noncurrent assets plus other real estate owned to assets | 0.5216% | 3,553 |
| Noncurrent loans to loans | 0.7492% | 2,933 |
| Net loans and leases to total assets | 57.0778% | 4,189 |
| Net loans and leases to deposits | 72.7457% | 3,645 |
| Net loans and leases to core deposits | 75.6426% | 3,786 |
| Total domestic deposits to total assets | 78.4620% | 5,069 |
| Equity capital to assets | 9.8924% | 4,079 |
| Core capital (leverage) ratio | 9.2887% | 4,493 |
| Tier 1 risk-based capital ratio | 13.0879% | 4,252 |
| Total risk-based capital ratio | 14.2732% | 4,207 |
| Memoranda: | ||
| Average total assets | $201,631,000 | 2,932 |
| Average earning assets | $192,249,600 | 2,869 |
| Average equity | $21,387,200 | 3,035 |
| Average total loans | $104,800,200 | 3,307 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0345% | 3,191 |
| Cost of funding earning assets | 0.5722% | 1,606 |
| Net interest margin | 3.4623% | 3,710 |
| Noninterest income to average assets | 0.2263% | 5,295 |
| Noninterest expense to average assets | 2.9607% | 2,634 |
| Loan and lease loss provision to assets | 0.1947% | 1,040 |
| Net operating income to assets | 0.2861% | 5,496 |
| Return on assets (ROA) | 0.3499% | 5,399 |
| Pretax return on assets | 0.4620% | 5,318 |
| Return on Equity (ROE) | 3.2396% | 5,302 |
| Retained earnings to average equity (ytd only) | 3.2396% | 4,153 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7894% | 1,197 |
| Assets per employee ($millions) | 5.4439% | 1,833 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3717% | 2,731 |
| Loan loss allowance to noncurrent loans | 89.5871% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 0.9229% | 2,549 |
| Noncurrent loans to loans | 1.5311% | 1,636 |
| Net loans and leases to total assets | 53.4383% | 4,625 |
| Net loans and leases to deposits | 77.5494% | 3,146 |
| Net loans and leases to core deposits | 81.1614% | 3,330 |
| Total domestic deposits to total assets | 68.9087% | 6,014 |
| Equity capital to assets | 10.6651% | 3,393 |
| Core capital (leverage) ratio | 9.9320% | 3,728 |
| Tier 1 risk-based capital ratio | 14.7678% | 3,404 |
| Total risk-based capital ratio | 15.9085% | 3,398 |
| Memoranda: | ||
| Average total assets | $198,550,750 | 2,984 |
| Average earning assets | $189,657,750 | 2,918 |
| Average equity | $21,442,750 | 3,052 |
| Average total loans | $100,032,750 | 3,421 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0440% | 3,109 |
| Cost of funding earning assets | 0.5948% | 1,454 |
| Net interest margin | 3.4492% | 3,712 |
| Noninterest income to average assets | 0.2814% | 4,943 |
| Noninterest expense to average assets | 2.9191% | 2,823 |
| Loan and lease loss provision to assets | 0.2429% | 740 |
| Net operating income to assets | 0.3130% | 5,402 |
| Return on assets (ROA) | 0.4079% | 5,221 |
| Pretax return on assets | 0.5446% | 5,105 |
| Return on Equity (ROE) | 3.7611% | 5,112 |
| Retained earnings to average equity (ytd only) | 3.7611% | 3,612 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5380% | 1,552 |
| Assets per employee ($millions) | 6.1372% | 1,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4322% | 2,603 |
| Loan loss allowance to noncurrent loans | 130.7136% | 3,092 |
| Noncurrent assets plus other real estate owned to assets | 0.6594% | 3,425 |
| Noncurrent loans to loans | 1.0957% | 2,462 |
| Net loans and leases to total assets | 50.7090% | 4,869 |
| Net loans and leases to deposits | 68.4496% | 4,090 |
| Net loans and leases to core deposits | 71.8803% | 4,151 |
| Total domestic deposits to total assets | 74.0823% | 5,783 |
| Equity capital to assets | 10.8625% | 3,035 |
| Core capital (leverage) ratio | 9.8119% | 3,848 |
| Tier 1 risk-based capital ratio | 15.6968% | 3,001 |
| Total risk-based capital ratio | 16.8765% | 2,988 |
| Memoranda: | ||
| Average total assets | $197,593,330 | 3,016 |
| Average earning assets | $188,969,330 | 2,942 |
| Average equity | $21,429,670 | 3,064 |
| Average total loans | $96,999,000 | 3,489 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9596% | 3,382 |
| Cost of funding earning assets | 0.6212% | 1,297 |
| Net interest margin | 3.3384% | 4,066 |
| Noninterest income to average assets | 0.3633% | 4,307 |
| Noninterest expense to average assets | 2.8477% | 3,078 |
| Loan and lease loss provision to assets | 0.3471% | 370 |
| Net operating income to assets | 0.2614% | 5,529 |
| Return on assets (ROA) | 0.4480% | 4,998 |
| Pretax return on assets | 0.6095% | 4,892 |
| Return on Equity (ROE) | 4.1345% | 4,925 |
| Retained earnings to average equity (ytd only) | 4.1345% | 3,526 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1705% | 1,883 |
| Assets per employee ($millions) | 6.0799% | 1,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3856% | 2,986 |
| Loan loss allowance to noncurrent loans | 291.5433% | 1,638 |
| Noncurrent assets plus other real estate owned to assets | 0.3295% | 4,666 |
| Noncurrent loans to loans | 0.4753% | 4,156 |
| Net loans and leases to total assets | 48.9152% | 4,947 |
| Net loans and leases to deposits | 62.6833% | 4,510 |
| Net loans and leases to core deposits | 65.7572% | 4,541 |
| Total domestic deposits to total assets | 78.0355% | 5,443 |
| Equity capital to assets | 10.8006% | 3,193 |
| Core capital (leverage) ratio | 9.7644% | 3,935 |
| Tier 1 risk-based capital ratio | 15.8792% | 2,977 |
| Total risk-based capital ratio | 17.0280% | 2,964 |
| Memoranda: | ||
| Average total assets | $198,194,500 | 3,037 |
| Average earning assets | $189,313,500 | 2,958 |
| Average equity | $21,478,000 | 3,080 |
| Average total loans | $94,981,000 | 3,545 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9248% | 4,039 |
| Cost of funding earning assets | 0.6509% | 1,398 |
| Net interest margin | 3.2740% | 4,672 |
| Noninterest income to average assets | 0.2256% | 5,509 |
| Noninterest expense to average assets | 2.9640% | 2,954 |
| Loan and lease loss provision to assets | 0.4635% | 353 |
| Net operating income to assets | -0.0592% | 6,128 |
| Return on assets (ROA) | 0.0972% | 5,987 |
| Pretax return on assets | 0.1431% | 5,948 |
| Return on Equity (ROE) | 0.9554% | 5,971 |
| Retained earnings to average equity (ytd only) | 0.9554% | 5,348 |
| Net charge-offs to loans | 0.4421% | 955 |
| Credit loss provision to net charge-offs | 272.7011% | 934 |
| Earnings coverage of net charge-offs (x) | 2.2155% | 4,219 |
| Efficiency ratio | 88.7281% | 933 |
| Assets per employee ($millions) | 5.9319% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3346% | 3,253 |
| Loan loss allowance to noncurrent loans | 183.7139% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.3356% | 4,708 |
| Noncurrent loans to loans | 0.7264% | 3,506 |
| Net loans and leases to total assets | 45.5852% | 5,363 |
| Net loans and leases to deposits | 59.8946% | 4,910 |
| Net loans and leases to core deposits | 62.7648% | 4,939 |
| Total domestic deposits to total assets | 76.1091% | 5,715 |
| Equity capital to assets | 10.8740% | 3,039 |
| Core capital (leverage) ratio | 9.6909% | 3,980 |
| Tier 1 risk-based capital ratio | 16.7424% | 2,626 |
| Total risk-based capital ratio | 17.7973% | 2,638 |
| Memoranda: | ||
| Average total assets | $204,755,600 | 2,937 |
| Average earning assets | $194,810,400 | 2,860 |
| Average equity | $20,828,400 | 3,070 |
| Average total loans | $78,709,000 | 3,910 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8988% | 4,180 |
| Cost of funding earning assets | 0.6504% | 1,456 |
| Net interest margin | 3.2484% | 4,795 |
| Noninterest income to average assets | 0.1675% | 5,918 |
| Noninterest expense to average assets | 3.0066% | 2,784 |
| Loan and lease loss provision to assets | 0.3774% | 458 |
| Net operating income to assets | -0.1159% | 6,228 |
| Return on assets (ROA) | 0.0528% | 6,112 |
| Pretax return on assets | 0.0374% | 6,119 |
| Return on Equity (ROE) | 0.5278% | 6,096 |
| Retained earnings to average equity (ytd only) | 0.5278% | 5,653 |
| Net charge-offs to loans | 0.2147% | 1,752 |
| Credit loss provision to net charge-offs | 480.3279% | 590 |
| Earnings coverage of net charge-offs (x) | 3.1312% | 3,730 |
| Efficiency ratio | 92.4356% | 677 |
| Assets per employee ($millions) | 6.0028% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 3,699 |
| Loan loss allowance to noncurrent loans | 100.8483% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 0.9481% | 3,070 |
| Noncurrent loans to loans | 1.2786% | 2,502 |
| Net loans and leases to total assets | 40.1338% | 5,804 |
| Net loans and leases to deposits | 50.7701% | 5,595 |
| Net loans and leases to core deposits | 53.8406% | 5,578 |
| Total domestic deposits to total assets | 79.0500% | 5,317 |
| Equity capital to assets | 10.4094% | 3,672 |
| Core capital (leverage) ratio | 9.1759% | 4,816 |
| Tier 1 risk-based capital ratio | 16.3557% | 2,874 |
| Total risk-based capital ratio | 17.2749% | 3,000 |
| Memoranda: | ||
| Average total assets | $207,006,500 | 2,937 |
| Average earning assets | $196,602,250 | 2,869 |
| Average equity | $20,714,000 | 3,091 |
| Average total loans | $75,776,000 | 4,039 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8306% | 4,410 |
| Cost of funding earning assets | 0.6722% | 1,360 |
| Net interest margin | 3.1583% | 5,069 |
| Noninterest income to average assets | 0.0856% | 6,332 |
| Noninterest expense to average assets | 3.1340% | 2,381 |
| Loan and lease loss provision to assets | 0.3125% | 616 |
| Net operating income to assets | -0.1708% | 6,297 |
| Return on assets (ROA) | -0.0933% | 6,267 |
| Pretax return on assets | -0.2308% | 6,328 |
| Return on Equity (ROE) | -0.9446% | 6,271 |
| Retained earnings to average equity (ytd only) | -0.9446% | 5,846 |
| Net charge-offs to loans | -0.2589% | 6,403 |
| Credit loss provision to net charge-offs | -342.1053% | 5,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2741% | 374 |
| Assets per employee ($millions) | 6.3107% | 1,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 3,995 |
| Loan loss allowance to noncurrent loans | 105.5556% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 0.8864% | 3,331 |
| Noncurrent loans to loans | 1.2082% | 2,817 |
| Net loans and leases to total assets | 38.1395% | 5,950 |
| Net loans and leases to deposits | 58.4482% | 4,999 |
| Net loans and leases to core deposits | 62.5740% | 4,927 |
| Total domestic deposits to total assets | 65.2535% | 6,494 |
| Equity capital to assets | 10.1285% | 3,933 |
| Core capital (leverage) ratio | 9.0161% | 4,996 |
| Tier 1 risk-based capital ratio | 16.1520% | 3,006 |
| Total risk-based capital ratio | 17.0306% | 3,143 |
| Memoranda: | ||
| Average total assets | $207,977,000 | 2,939 |
| Average earning assets | $198,143,330 | 2,858 |
| Average equity | $20,537,000 | 3,116 |
| Average total loans | $73,374,330 | 4,124 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7279% | 4,750 |
| Cost of funding earning assets | 0.7492% | 976 |
| Net interest margin | 2.9787% | 5,575 |
| Noninterest income to average assets | 0.0616% | 6,456 |
| Noninterest expense to average assets | 3.7086% | 1,119 |
| Loan and lease loss provision to assets | 0.2406% | 913 |
| Net operating income to assets | -0.6236% | 6,508 |
| Return on assets (ROA) | -0.6236% | 6,507 |
| Pretax return on assets | -1.0566% | 6,567 |
| Return on Equity (ROE) | -6.3972% | 6,499 |
| Retained earnings to average equity (ytd only) | -6.3972% | 6,198 |
| Net charge-offs to loans | -0.5441% | 6,570 |
| Credit loss provision to net charge-offs | -131.5789% | 4,883 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.2102% | 130 |
| Assets per employee ($millions) | 6.4702% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 4,938 |
| Loan loss allowance to noncurrent loans | 82.6000% | 4,097 |
| Noncurrent assets plus other real estate owned to assets | 0.9051% | 3,473 |
| Noncurrent loans to loans | 1.3777% | 2,726 |
| Net loans and leases to total assets | 34.6593% | 6,145 |
| Net loans and leases to deposits | 50.3879% | 5,566 |
| Net loans and leases to core deposits | 54.5777% | 5,464 |
| Total domestic deposits to total assets | 68.7849% | 6,492 |
| Equity capital to assets | 9.8210% | 4,073 |
| Core capital (leverage) ratio | 8.9945% | 5,018 |
| Tier 1 risk-based capital ratio | 16.9874% | 2,699 |
| Total risk-based capital ratio | 17.7405% | 2,872 |
| Memoranda: | ||
| Average total assets | $207,838,500 | 2,958 |
| Average earning assets | $197,535,000 | 2,876 |
| Average equity | $20,259,000 | 3,140 |
| Average total loans | $69,835,000 | 4,268 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4557% | 5,720 |
| Cost of funding earning assets | 0.7486% | 1,505 |
| Net interest margin | 2.7071% | 6,130 |
| Noninterest income to average assets | 0.1297% | 6,276 |
| Noninterest expense to average assets | 2.2402% | 5,532 |
| Loan and lease loss provision to assets | 0.2247% | 1,623 |
| Net operating income to assets | 0.1973% | 5,826 |
| Return on assets (ROA) | 0.3815% | 5,330 |
| Pretax return on assets | 0.5209% | 5,140 |
| Return on Equity (ROE) | 3.5735% | 5,289 |
| Retained earnings to average equity (ytd only) | 3.5735% | 3,673 |
| Net charge-offs to loans | 1.2223% | 430 |
| Credit loss provision to net charge-offs | 56.0510% | 3,674 |
| Earnings coverage of net charge-offs (x) | 1.2306% | 4,660 |
| Efficiency ratio | 81.9540% | 1,881 |
| Assets per employee ($millions) | 7.4511% | 617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9034% | 5,916 |
| Loan loss allowance to noncurrent loans | 62.9283% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 0.8800% | 3,693 |
| Noncurrent loans to loans | 1.4355% | 2,739 |
| Net loans and leases to total assets | 31.8636% | 6,392 |
| Net loans and leases to deposits | 40.9917% | 6,271 |
| Net loans and leases to core deposits | 44.1013% | 6,217 |
| Total domestic deposits to total assets | 77.7319% | 5,864 |
| Equity capital to assets | 9.6745% | 4,190 |
| Core capital (leverage) ratio | 9.3481% | 4,479 |
| Tier 1 risk-based capital ratio | 17.9020% | 2,273 |
| Total risk-based capital ratio | 18.4960% | 2,487 |
| Memoranda: | ||
| Average total assets | $195,827,400 | 3,073 |
| Average earning assets | $188,355,800 | 2,972 |
| Average equity | $20,904,000 | 3,060 |
| Average total loans | $64,224,000 | 4,476 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3689% | 5,947 |
| Cost of funding earning assets | 0.7216% | 1,796 |
| Net interest margin | 2.6474% | 6,254 |
| Noninterest income to average assets | 0.1433% | 6,316 |
| Noninterest expense to average assets | 2.1270% | 5,777 |
| Loan and lease loss provision to assets | 0.2976% | 1,143 |
| Net operating income to assets | 0.2080% | 5,893 |
| Return on assets (ROA) | 0.4644% | 5,103 |
| Pretax return on assets | 0.6230% | 4,939 |
| Return on Equity (ROE) | 4.2432% | 5,110 |
| Retained earnings to average equity (ytd only) | 4.2432% | 3,665 |
| Net charge-offs to loans | -0.0840% | 6,456 |
| Credit loss provision to net charge-offs | -1,075.0000% | 6,198 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6135% | 2,322 |
| Assets per employee ($millions) | 8.2308% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2011% | 1,324 |
| Loan loss allowance to noncurrent loans | 53.1414% | 5,096 |
| Noncurrent assets plus other real estate owned to assets | 1.3536% | 2,934 |
| Noncurrent loans to loans | 4.1419% | 840 |
| Net loans and leases to total assets | 31.9621% | 6,453 |
| Net loans and leases to deposits | 44.6296% | 6,179 |
| Net loans and leases to core deposits | 48.6999% | 6,085 |
| Total domestic deposits to total assets | 71.6164% | 6,517 |
| Equity capital to assets | 10.1463% | 3,707 |
| Core capital (leverage) ratio | 9.9133% | 3,794 |
| Tier 1 risk-based capital ratio | 18.7904% | 2,050 |
| Total risk-based capital ratio | 20.0424% | 2,015 |
| Memoranda: | ||
| Average total assets | $192,626,750 | 3,138 |
| Average earning assets | $186,443,750 | 3,028 |
| Average equity | $21,084,000 | 3,068 |
| Average total loans | $63,509,250 | 4,541 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3006% | 6,087 |
| Cost of funding earning assets | 0.7264% | 1,874 |
| Net interest margin | 2.5742% | 6,355 |
| Noninterest income to average assets | 0.1571% | 6,267 |
| Noninterest expense to average assets | 2.1331% | 5,792 |
| Loan and lease loss provision to assets | 0.3613% | 919 |
| Net operating income to assets | 0.1252% | 6,074 |
| Return on assets (ROA) | 0.3864% | 5,427 |
| Pretax return on assets | 0.4995% | 5,383 |
| Return on Equity (ROE) | 3.4436% | 5,453 |
| Retained earnings to average equity (ytd only) | 3.4436% | 4,129 |
| Net charge-offs to loans | -0.0823% | 6,446 |
| Credit loss provision to net charge-offs | -1,326.9231% | 6,076 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3550% | 2,108 |
| Assets per employee ($millions) | 8.5095% | 377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1378% | 1,548 |
| Loan loss allowance to noncurrent loans | 49.3284% | 5,237 |
| Noncurrent assets plus other real estate owned to assets | 1.4316% | 2,954 |
| Noncurrent loans to loans | 4.3339% | 832 |
| Net loans and leases to total assets | 32.3254% | 6,494 |
| Net loans and leases to deposits | 43.3474% | 6,266 |
| Net loans and leases to core deposits | 46.9356% | 6,185 |
| Total domestic deposits to total assets | 74.5728% | 6,396 |
| Equity capital to assets | 10.9322% | 2,813 |
| Core capital (leverage) ratio | 9.4589% | 4,306 |
| Tier 1 risk-based capital ratio | 18.1411% | 2,273 |
| Total risk-based capital ratio | 19.3924% | 2,232 |
| Memoranda: | ||
| Average total assets | $190,989,000 | 3,182 |
| Average earning assets | $185,297,670 | 3,046 |
| Average equity | $21,431,000 | 3,042 |
| Average total loans | $63,159,330 | 4,570 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1259% | 6,377 |
| Cost of funding earning assets | 0.7389% | 1,930 |
| Net interest margin | 2.3870% | 6,610 |
| Noninterest income to average assets | 0.1472% | 6,366 |
| Noninterest expense to average assets | 2.0863% | 5,942 |
| Loan and lease loss provision to assets | 0.0207% | 4,211 |
| Net operating income to assets | 0.2945% | 5,588 |
| Return on assets (ROA) | 0.2945% | 5,710 |
| Pretax return on assets | 0.3650% | 5,660 |
| Return on Equity (ROE) | 2.5920% | 5,743 |
| Retained earnings to average equity (ytd only) | 2.5920% | 4,728 |
| Net charge-offs to loans | -0.0877% | 6,383 |
| Credit loss provision to net charge-offs | -71.4286% | 5,097 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3960% | 1,712 |
| Assets per employee ($millions) | 9.7171% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 3,828 |
| Loan loss allowance to noncurrent loans | 35.1225% | 5,818 |
| Noncurrent assets plus other real estate owned to assets | 1.4284% | 3,124 |
| Noncurrent loans to loans | 4.2719% | 1,008 |
| Net loans and leases to total assets | 32.9359% | 6,470 |
| Net loans and leases to deposits | 45.3729% | 6,096 |
| Net loans and leases to core deposits | 49.6486% | 5,997 |
| Total domestic deposits to total assets | 72.5894% | 6,627 |
| Equity capital to assets | 11.3270% | 2,605 |
| Core capital (leverage) ratio | 9.2407% | 4,496 |
| Tier 1 risk-based capital ratio | 17.9919% | 2,364 |
| Total risk-based capital ratio | 19.0040% | 2,427 |
| Memoranda: | ||
| Average total assets | $192,879,000 | 3,182 |
| Average earning assets | $187,847,000 | 3,047 |
| Average equity | $21,913,500 | 3,034 |
| Average total loans | $63,820,000 | 4,572 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4319% | 6,447 |
| Cost of funding earning assets | 0.7787% | 2,842 |
| Net interest margin | 2.6532% | 6,583 |
| Noninterest income to average assets | 0.0780% | 6,593 |
| Noninterest expense to average assets | 1.9111% | 6,480 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.5123% | 4,633 |
| Return on assets (ROA) | 0.7506% | 3,752 |
| Pretax return on assets | 1.0857% | 3,212 |
| Return on Equity (ROE) | 7.4260% | 3,387 |
| Retained earnings to average equity (ytd only) | 7.4260% | 1,362 |
| Net charge-offs to loans | 0.3029% | 3,130 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 8.1477% | 2,465 |
| Efficiency ratio | 72.0794% | 3,399 |
| Assets per employee ($millions) | 8.7008% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5178% | 3,672 |
| Loan loss allowance to noncurrent loans | 36.4647% | 5,797 |
| Noncurrent assets plus other real estate owned to assets | 1.3625% | 3,357 |
| Noncurrent loans to loans | 4.1623% | 1,096 |
| Net loans and leases to total assets | 32.2364% | 6,616 |
| Net loans and leases to deposits | 46.0964% | 6,248 |
| Net loans and leases to core deposits | 52.4158% | 5,989 |
| Total domestic deposits to total assets | 69.9327% | 6,788 |
| Equity capital to assets | 11.3961% | 2,541 |
| Core capital (leverage) ratio | 9.2208% | 4,544 |
| Tier 1 risk-based capital ratio | 18.9254% | 1,978 |
| Total risk-based capital ratio | 19.9611% | 2,008 |
| Memoranda: | ||
| Average total assets | $193,708,600 | 3,128 |
| Average earning assets | $187,883,400 | 2,987 |
| Average equity | $19,579,800 | 3,255 |
| Average total loans | $58,112,400 | 4,792 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5362% | 6,464 |
| Cost of funding earning assets | 0.7859% | 3,066 |
| Net interest margin | 2.7503% | 6,578 |
| Noninterest income to average assets | 0.0830% | 6,678 |
| Noninterest expense to average assets | 1.8838% | 6,549 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5869% | 4,448 |
| Return on assets (ROA) | 0.8832% | 3,301 |
| Pretax return on assets | 1.2984% | 2,616 |
| Return on Equity (ROE) | 9.0213% | 2,790 |
| Retained earnings to average equity (ytd only) | 9.0213% | 1,221 |
| Net charge-offs to loans | 0.4329% | 2,367 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 6.7946% | 2,708 |
| Efficiency ratio | 68.5907% | 3,946 |
| Assets per employee ($millions) | 10.6998% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5669% | 3,664 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 30.7249% | 6,785 |
| Net loans and leases to deposits | 41.7675% | 6,608 |
| Net loans and leases to core deposits | 46.4409% | 6,491 |
| Total domestic deposits to total assets | 73.5618% | 6,634 |
| Equity capital to assets | 10.6248% | 3,702 |
| Core capital (leverage) ratio | 8.4358% | 5,845 |
| Tier 1 risk-based capital ratio | 18.5128% | 2,163 |
| Total risk-based capital ratio | 19.5867% | 2,189 |
| Memoranda: | ||
| Average total assets | $194,281,500 | 3,156 |
| Average earning assets | $188,144,500 | 3,014 |
| Average equity | $19,021,250 | 3,361 |
| Average total loans | $56,976,250 | 4,890 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5927% | 6,498 |
| Cost of funding earning assets | 0.7946% | 3,231 |
| Net interest margin | 2.7981% | 6,580 |
| Noninterest income to average assets | 0.0647% | 6,807 |
| Noninterest expense to average assets | 1.8846% | 6,627 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5939% | 4,396 |
| Return on assets (ROA) | 1.0306% | 2,558 |
| Pretax return on assets | 1.5356% | 1,763 |
| Return on Equity (ROE) | 10.8302% | 2,053 |
| Retained earnings to average equity (ytd only) | 10.8302% | 776 |
| Net charge-offs to loans | 0.2432% | 3,116 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 12.6618% | 1,853 |
| Efficiency ratio | 68.0756% | 4,105 |
| Assets per employee ($millions) | 10.4101% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7770% | 2,936 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 29.5944% | 6,881 |
| Net loans and leases to deposits | 42.8862% | 6,608 |
| Net loans and leases to core deposits | 47.9155% | 6,465 |
| Total domestic deposits to total assets | 69.0067% | 6,952 |
| Equity capital to assets | 9.8533% | 4,544 |
| Core capital (leverage) ratio | 8.1974% | 6,055 |
| Tier 1 risk-based capital ratio | 18.1939% | 2,229 |
| Total risk-based capital ratio | 19.3919% | 2,219 |
| Memoranda: | ||
| Average total assets | $194,843,330 | 3,156 |
| Average earning assets | $188,271,000 | 3,014 |
| Average equity | $18,540,670 | 3,421 |
| Average total loans | $55,929,330 | 4,954 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5796% | 6,601 |
| Cost of funding earning assets | 0.8155% | 3,347 |
| Net interest margin | 2.7641% | 6,687 |
| Noninterest income to average assets | 0.0455% | 6,951 |
| Noninterest expense to average assets | 1.9031% | 6,642 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5536% | 4,568 |
| Return on assets (ROA) | 0.8378% | 3,446 |
| Pretax return on assets | 1.2246% | 2,818 |
| Return on Equity (ROE) | 8.9669% | 2,850 |
| Retained earnings to average equity (ytd only) | 8.9669% | 1,607 |
| Net charge-offs to loans | 0.5250% | 1,775 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 5.4930% | 2,359 |
| Efficiency ratio | 70.2290% | 3,765 |
| Assets per employee ($millions) | 10.9436% | 183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9832% | 2,408 |
| Loan loss allowance to noncurrent loans | 58.3425% | 4,619 |
| Noncurrent assets plus other real estate owned to assets | 0.9189% | 4,681 |
| Noncurrent loans to loans | 3.3993% | 1,854 |
| Net loans and leases to total assets | 26.4944% | 7,021 |
| Net loans and leases to deposits | 35.6852% | 6,902 |
| Net loans and leases to core deposits | 38.9658% | 6,852 |
| Total domestic deposits to total assets | 74.2447% | 6,725 |
| Equity capital to assets | 9.4626% | 4,865 |
| Core capital (leverage) ratio | 8.0070% | 6,253 |
| Tier 1 risk-based capital ratio | 19.3851% | 1,877 |
| Total risk-based capital ratio | 20.6359% | 1,840 |
| Memoranda: | ||
| Average total assets | $193,369,500 | 3,191 |
| Average earning assets | $186,389,500 | 3,063 |
| Average equity | $18,066,500 | 3,494 |
| Average total loans | $54,097,000 | 5,067 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6908% | 6,857 |
| Cost of funding earning assets | 0.8312% | 4,618 |
| Net interest margin | 2.8596% | 6,750 |
| Noninterest income to average assets | 0.0871% | 6,691 |
| Noninterest expense to average assets | 2.1620% | 6,351 |
| Loan and lease loss provision to assets | 0.2830% | 3,403 |
| Net operating income to assets | 0.2776% | 5,339 |
| Return on assets (ROA) | 0.4683% | 4,753 |
| Pretax return on assets | 0.6730% | 4,429 |
| Return on Equity (ROE) | 4.9404% | 4,421 |
| Retained earnings to average equity (ytd only) | 4.9404% | 2,685 |
| Net charge-offs to loans | 0.4314% | 3,280 |
| Credit loss provision to net charge-offs | 193.1727% | 1,319 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 3,022 |
| Efficiency ratio | 75.9768% | 2,893 |
| Assets per employee ($millions) | 10.5419% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0510% | 2,126 |
| Loan loss allowance to noncurrent loans | 52.8860% | 4,866 |
| Noncurrent assets plus other real estate owned to assets | 1.1230% | 4,358 |
| Noncurrent loans to loans | 3.8782% | 1,618 |
| Net loans and leases to total assets | 28.3636% | 7,051 |
| Net loans and leases to deposits | 43.0813% | 6,756 |
| Net loans and leases to core deposits | 46.5866% | 6,714 |
| Total domestic deposits to total assets | 65.8373% | 7,135 |
| Equity capital to assets | 9.2188% | 5,262 |
| Core capital (leverage) ratio | 8.1118% | 6,124 |
| Tier 1 risk-based capital ratio | 19.9331% | 1,662 |
| Total risk-based capital ratio | 21.1965% | 1,631 |
| Memoranda: | ||
| Average total assets | $169,980,200 | 3,490 |
| Average earning assets | $163,973,600 | 3,334 |
| Average equity | $16,112,000 | 3,706 |
| Average total loans | $57,712,400 | 4,958 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7216% | 6,917 |
| Cost of funding earning assets | 0.8318% | 4,934 |
| Net interest margin | 2.8898% | 6,764 |
| Noninterest income to average assets | 0.1042% | 6,733 |
| Noninterest expense to average assets | 2.2968% | 6,047 |
| Loan and lease loss provision to assets | 0.3805% | 2,577 |
| Net operating income to assets | 0.1696% | 5,775 |
| Return on assets (ROA) | 0.3417% | 5,419 |
| Pretax return on assets | 0.4209% | 5,402 |
| Return on Equity (ROE) | 3.5771% | 5,184 |
| Retained earnings to average equity (ytd only) | 3.5771% | 4,196 |
| Net charge-offs to loans | 0.0662% | 5,299 |
| Credit loss provision to net charge-offs | 1,624.1379% | 167 |
| Earnings coverage of net charge-offs (x) | 25.1352% | 1,058 |
| Efficiency ratio | 79.5913% | 2,323 |
| Assets per employee ($millions) | 10.7485% | 198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3835% | 1,564 |
| Loan loss allowance to noncurrent loans | 58.3333% | 4,546 |
| Noncurrent assets plus other real estate owned to assets | 1.2544% | 4,289 |
| Noncurrent loans to loans | 4.0859% | 1,623 |
| Net loans and leases to total assets | 29.9676% | 7,089 |
| Net loans and leases to deposits | 42.3696% | 6,895 |
| Net loans and leases to core deposits | 45.6922% | 6,858 |
| Total domestic deposits to total assets | 70.7291% | 6,997 |
| Equity capital to assets | 9.6588% | 4,838 |
| Core capital (leverage) ratio | 8.0943% | 6,290 |
| Tier 1 risk-based capital ratio | 21.6130% | 1,353 |
| Total risk-based capital ratio | 22.8709% | 1,317 |
| Memoranda: | ||
| Average total assets | $165,036,750 | 3,589 |
| Average earning assets | $158,852,000 | 3,449 |
| Average equity | $15,766,750 | 3,779 |
| Average total loans | $58,403,500 | 4,974 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7395% | 6,982 |
| Cost of funding earning assets | 0.8288% | 5,197 |
| Net interest margin | 2.9107% | 6,772 |
| Noninterest income to average assets | 0.1093% | 6,788 |
| Noninterest expense to average assets | 2.4984% | 5,544 |
| Loan and lease loss provision to assets | 0.5253% | 1,865 |
| Net operating income to assets | -0.0955% | 6,343 |
| Return on assets (ROA) | 0.1734% | 5,918 |
| Pretax return on assets | 0.1483% | 6,022 |
| Return on Equity (ROE) | 1.8231% | 5,859 |
| Retained earnings to average equity (ytd only) | 1.8231% | 5,080 |
| Net charge-offs to loans | 0.1825% | 4,068 |
| Credit loss provision to net charge-offs | 774.0741% | 426 |
| Earnings coverage of net charge-offs (x) | 5.9630% | 2,501 |
| Efficiency ratio | 86.0606% | 1,596 |
| Assets per employee ($millions) | 10.0726% | 236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1293% | 2,057 |
| Loan loss allowance to noncurrent loans | 54.7909% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 1.4244% | 4,080 |
| Noncurrent loans to loans | 3.8863% | 1,789 |
| Net loans and leases to total assets | 33.7676% | 7,052 |
| Net loans and leases to deposits | 45.2920% | 6,863 |
| Net loans and leases to core deposits | 48.0828% | 6,852 |
| Total domestic deposits to total assets | 74.5554% | 6,778 |
| Equity capital to assets | 9.5489% | 4,736 |
| Core capital (leverage) ratio | 8.4198% | 5,677 |
| Tier 1 risk-based capital ratio | 21.2103% | 1,380 |
| Total risk-based capital ratio | 22.4682% | 1,358 |
| Memoranda: | ||
| Average total assets | $159,141,000 | 3,693 |
| Average earning assets | $152,748,670 | 3,582 |
| Average equity | $15,139,330 | 3,884 |
| Average total loans | $59,173,000 | 4,994 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7733% | 6,982 |
| Cost of funding earning assets | 0.7842% | 5,651 |
| Net interest margin | 2.9892% | 6,595 |
| Noninterest income to average assets | 0.1123% | 6,852 |
| Noninterest expense to average assets | 2.9550% | 3,837 |
| Loan and lease loss provision to assets | 0.2874% | 2,849 |
| Net operating income to assets | -0.0888% | 6,448 |
| Return on assets (ROA) | -0.0888% | 6,466 |
| Pretax return on assets | -0.2717% | 6,599 |
| Return on Equity (ROE) | -0.9358% | 6,478 |
| Retained earnings to average equity (ytd only) | -0.9358% | 5,973 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4723% | 766 |
| Assets per employee ($millions) | 8.7907% | 346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7059% | 3,321 |
| Loan loss allowance to noncurrent loans | 41.9732% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 1.6059% | 3,835 |
| Noncurrent loans to loans | 4.0642% | 1,774 |
| Net loans and leases to total assets | 36.5606% | 6,978 |
| Net loans and leases to deposits | 47.6226% | 6,769 |
| Net loans and leases to core deposits | 50.1248% | 6,765 |
| Total domestic deposits to total assets | 76.7716% | 6,571 |
| Equity capital to assets | 9.5088% | 4,423 |
| Core capital (leverage) ratio | 9.1270% | 4,399 |
| Tier 1 risk-based capital ratio | 21.9879% | 1,230 |
| Total risk-based capital ratio | 23.2424% | 1,201 |
| Memoranda: | ||
| Average total assets | $153,094,000 | 3,831 |
| Average earning assets | $146,395,500 | 3,710 |
| Average equity | $14,533,500 | 3,988 |
| Average total loans | $59,219,500 | 5,042 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2226% | 6,893 |
| Cost of funding earning assets | 0.7964% | 6,583 |
| Net interest margin | 3.4262% | 5,524 |
| Noninterest income to average assets | 0.0753% | 7,006 |
| Noninterest expense to average assets | 2.8761% | 4,326 |
| Loan and lease loss provision to assets | 0.4079% | 3,660 |
| Net operating income to assets | 0.0339% | 5,746 |
| Return on assets (ROA) | 0.5353% | 4,095 |
| Pretax return on assets | 0.5353% | 4,514 |
| Return on Equity (ROE) | 4.5801% | 4,260 |
| Retained earnings to average equity (ytd only) | 4.5801% | 2,674 |
| Net charge-offs to loans | 0.4039% | 4,024 |
| Credit loss provision to net charge-offs | 208.0169% | 1,480 |
| Earnings coverage of net charge-offs (x) | 2.2532% | 4,035 |
| Efficiency ratio | 86.6833% | 1,601 |
| Assets per employee ($millions) | 7.7871% | 528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5004% | 4,008 |
| Loan loss allowance to noncurrent loans | 38.2378% | 5,755 |
| Noncurrent assets plus other real estate owned to assets | 1.7992% | 3,620 |
| Noncurrent loans to loans | 3.9239% | 1,862 |
| Net loans and leases to total assets | 39.6675% | 6,983 |
| Net loans and leases to deposits | 51.4189% | 6,786 |
| Net loans and leases to core deposits | 54.3004% | 6,796 |
| Total domestic deposits to total assets | 77.1458% | 6,462 |
| Equity capital to assets | 9.4765% | 4,433 |
| Core capital (leverage) ratio | 8.7449% | 4,953 |
| Tier 1 risk-based capital ratio | 20.5565% | 1,395 |
| Total risk-based capital ratio | 21.8099% | 1,375 |
| Memoranda: | ||
| Average total assets | $120,858,600 | 4,466 |
| Average earning assets | $114,383,600 | 4,362 |
| Average equity | $14,126,400 | 4,114 |
| Average total loans | $58,675,200 | 5,124 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3861% | 6,837 |
| Cost of funding earning assets | 0.7879% | 6,801 |
| Net interest margin | 3.5982% | 4,884 |
| Noninterest income to average assets | 0.0877% | 7,096 |
| Noninterest expense to average assets | 3.0234% | 3,662 |
| Loan and lease loss provision to assets | 0.4873% | 3,036 |
| Net operating income to assets | -0.0234% | 6,044 |
| Return on assets (ROA) | 0.6615% | 3,758 |
| Pretax return on assets | 0.6615% | 4,380 |
| Return on Equity (ROE) | 5.3322% | 4,119 |
| Retained earnings to average equity (ytd only) | 5.3322% | 2,748 |
| Net charge-offs to loans | 0.4083% | 3,661 |
| Credit loss provision to net charge-offs | 232.9609% | 1,463 |
| Earnings coverage of net charge-offs (x) | 2.2179% | 4,069 |
| Efficiency ratio | 86.6957% | 1,558 |
| Assets per employee ($millions) | 7.6522% | 580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4304% | 4,309 |
| Loan loss allowance to noncurrent loans | 173.4653% | 1,656 |
| Noncurrent assets plus other real estate owned to assets | 0.6491% | 5,832 |
| Noncurrent loans to loans | 0.8246% | 5,569 |
| Net loans and leases to total assets | 43.8249% | 6,855 |
| Net loans and leases to deposits | 56.4926% | 6,581 |
| Net loans and leases to core deposits | 59.8873% | 6,612 |
| Total domestic deposits to total assets | 77.5764% | 6,353 |
| Equity capital to assets | 11.0005% | 2,962 |
| Core capital (leverage) ratio | 9.7590% | 3,538 |
| Tier 1 risk-based capital ratio | 21.0680% | 1,347 |
| Total risk-based capital ratio | 22.3207% | 1,324 |
| Memoranda: | ||
| Average total assets | $114,084,500 | 4,671 |
| Average earning assets | $107,792,750 | 4,573 |
| Average equity | $14,152,750 | 4,175 |
| Average total loans | $58,448,000 | 5,206 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4375% | 6,825 |
| Cost of funding earning assets | 0.7629% | 7,026 |
| Net interest margin | 3.6745% | 4,479 |
| Noninterest income to average assets | 0.1036% | 7,086 |
| Noninterest expense to average assets | 3.2486% | 2,730 |
| Loan and lease loss provision to assets | 0.4426% | 3,106 |
| Net operating income to assets | -0.1318% | 6,268 |
| Return on assets (ROA) | 0.7533% | 3,335 |
| Pretax return on assets | 0.7533% | 4,053 |
| Return on Equity (ROE) | 5.7889% | 3,898 |
| Retained earnings to average equity (ytd only) | 5.7889% | 2,451 |
| Net charge-offs to loans | -0.0139% | 7,243 |
| Credit loss provision to net charge-offs | -5,875.0000% | 7,041 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.2698% | 1,239 |
| Assets per employee ($millions) | 7.0763% | 744 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3772% | 4,546 |
| Loan loss allowance to noncurrent loans | 481.8681% | 672 |
| Noncurrent assets plus other real estate owned to assets | 0.4483% | 6,331 |
| Noncurrent loans to loans | 0.2858% | 6,660 |
| Net loans and leases to total assets | 49.3052% | 6,515 |
| Net loans and leases to deposits | 72.2585% | 4,958 |
| Net loans and leases to core deposits | 79.4952% | 4,740 |
| Total domestic deposits to total assets | 68.2345% | 7,419 |
| Equity capital to assets | 11.2409% | 2,649 |
| Core capital (leverage) ratio | 11.2036% | 2,104 |
| Tier 1 risk-based capital ratio | 20.0090% | 1,520 |
| Total risk-based capital ratio | 21.2604% | 1,482 |
| Memoranda: | ||
| Average total assets | $106,199,670 | 4,908 |
| Average earning assets | $99,876,670 | 4,813 |
| Average equity | $13,819,670 | 4,239 |
| Average total loans | $57,517,330 | 5,289 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6347% | 6,450 |
| Cost of funding earning assets | 0.7013% | 7,334 |
| Net interest margin | 3.9334% | 3,184 |
| Noninterest income to average assets | 0.1590% | 6,830 |
| Noninterest expense to average assets | 3.6983% | 1,524 |
| Loan and lease loss provision to assets | 0.7154% | 1,780 |
| Net operating income to assets | -0.5941% | 6,894 |
| Return on assets (ROA) | -0.4184% | 6,810 |
| Pretax return on assets | -0.4184% | 6,730 |
| Return on Equity (ROE) | -2.9476% | 6,735 |
| Retained earnings to average equity (ytd only) | -2.9476% | 6,356 |
| Net charge-offs to loans | -0.0294% | 7,186 |
| Credit loss provision to net charge-offs | -4,275.0000% | 6,626 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8237% | 981 |
| Assets per employee ($millions) | 5.3956% | 1,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4087% | 4,381 |
| Loan loss allowance to noncurrent loans | 451.6667% | 703 |
| Noncurrent assets plus other real estate owned to assets | 0.5550% | 6,119 |
| Noncurrent loans to loans | 0.3119% | 6,692 |
| Net loans and leases to total assets | 55.5040% | 5,817 |
| Net loans and leases to deposits | 83.8827% | 2,956 |
| Net loans and leases to core deposits | 94.9109% | 2,717 |
| Total domestic deposits to total assets | 66.1685% | 7,609 |
| Equity capital to assets | 13.1978% | 1,443 |
| Core capital (leverage) ratio | 12.9271% | 1,235 |
| Tier 1 risk-based capital ratio | 20.1468% | 1,495 |
| Total risk-based capital ratio | 21.3984% | 1,463 |
| Memoranda: | ||
| Average total assets | $95,612,500 | 5,273 |
| Average earning assets | $88,980,500 | 5,194 |
| Average equity | $13,570,500 | 4,336 |
| Average total loans | $54,436,500 | 5,473 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8847% | 6,749 |
| Cost of funding earning assets | 0.9595% | 7,286 |
| Net interest margin | 3.9252% | 3,173 |
| Noninterest income to average assets | 0.1473% | 7,001 |
| Noninterest expense to average assets | 4.5676% | 742 |
| Loan and lease loss provision to assets | 1.1706% | 1,962 |
| Net operating income to assets | -1.1570% | 6,687 |
| Return on assets (ROA) | -0.9659% | 6,557 |
| Pretax return on assets | -1.5968% | 6,758 |
| Return on Equity (ROE) | -5.3621% | 6,244 |
| Retained earnings to average equity (ytd only) | -5.3621% | 6,067 |
| Net charge-offs to loans | 1.7848% | 1,402 |
| Credit loss provision to net charge-offs | 119.2563% | 4,501 |
| Earnings coverage of net charge-offs (x) | -0.7384% | 6,824 |
| Efficiency ratio | 118.8602% | 627 |
| Assets per employee ($millions) | 4.6688% | 2,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2490% | 5,061 |
| Loan loss allowance to noncurrent loans | 112.1053% | 2,512 |
| Noncurrent assets plus other real estate owned to assets | 0.6426% | 5,852 |
| Noncurrent loans to loans | 1.1142% | 5,098 |
| Net loans and leases to total assets | 56.9509% | 5,828 |
| Net loans and leases to deposits | 93.4794% | 1,666 |
| Net loans and leases to core deposits | 130.1559% | 1,274 |
| Total domestic deposits to total assets | 60.9235% | 7,782 |
| Equity capital to assets | 15.3436% | 835 |
| Core capital (leverage) ratio | 13.4371% | 1,114 |
| Tier 1 risk-based capital ratio | 20.2795% | 1,409 |
| Total risk-based capital ratio | 21.1942% | 1,437 |
| Memoranda: | ||
| Average total assets | $76,713,800 | 5,813 |
| Average earning assets | $72,225,800 | 5,747 |
| Average equity | $13,819,200 | 4,309 |
| Average total loans | $42,189,000 | 6,009 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7989% | 7,124 |
| Cost of funding earning assets | 0.9813% | 7,426 |
| Net interest margin | 3.8176% | 3,582 |
| Noninterest income to average assets | 0.1628% | 7,037 |
| Noninterest expense to average assets | 4.7515% | 590 |
| Loan and lease loss provision to assets | 0.8845% | 2,174 |
| Net operating income to assets | -1.1980% | 6,954 |
| Return on assets (ROA) | -1.1124% | 6,911 |
| Pretax return on assets | -1.7436% | 7,066 |
| Return on Equity (ROE) | -5.9114% | 6,546 |
| Retained earnings to average equity (ytd only) | -5.9114% | 6,380 |
| Net charge-offs to loans | 0.2670% | 4,371 |
| Credit loss provision to net charge-offs | 611.2500% | 624 |
| Earnings coverage of net charge-offs (x) | -6.8627% | 6,876 |
| Efficiency ratio | 126.4196% | 515 |
| Assets per employee ($millions) | 4.6125% | 2,683 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8998% | 2,034 |
| Loan loss allowance to noncurrent loans | 367.0732% | 848 |
| Noncurrent assets plus other real estate owned to assets | 0.2667% | 6,834 |
| Noncurrent loans to loans | 0.5175% | 6,270 |
| Net loans and leases to total assets | 50.5463% | 6,735 |
| Net loans and leases to deposits | 60.0185% | 6,827 |
| Net loans and leases to core deposits | 73.4118% | 6,761 |
| Total domestic deposits to total assets | 84.2179% | 3,617 |
| Equity capital to assets | 14.9463% | 1,018 |
| Core capital (leverage) ratio | 14.8456% | 884 |
| Tier 1 risk-based capital ratio | 21.1295% | 1,350 |
| Total risk-based capital ratio | 22.3835% | 1,333 |
| Memoranda: | ||
| Average total assets | $73,715,250 | 5,937 |
| Average earning assets | $69,430,750 | 5,865 |
| Average equity | $13,871,250 | 4,320 |
| Average total loans | $39,946,500 | 6,161 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9330% | 6,960 |
| Cost of funding earning assets | 1.0394% | 7,478 |
| Net interest margin | 3.8937% | 3,147 |
| Noninterest income to average assets | 0.1570% | 7,151 |
| Noninterest expense to average assets | 5.1616% | 462 |
| Loan and lease loss provision to assets | 0.6781% | 2,397 |
| Net operating income to assets | -1.2823% | 7,152 |
| Return on assets (ROA) | -1.2823% | 7,161 |
| Pretax return on assets | -2.0107% | 7,289 |
| Return on Equity (ROE) | -6.2307% | 6,735 |
| Retained earnings to average equity (ytd only) | -6.2307% | 6,480 |
| Net charge-offs to loans | 0.0267% | 6,099 |
| Credit loss provision to net charge-offs | 4,580.0000% | 108 |
| Earnings coverage of net charge-offs (x) | -90.0000% | 6,612 |
| Efficiency ratio | 134.8028% | 484 |
| Assets per employee ($millions) | 4.1689% | 3,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7633% | 2,144 |
| Loan loss allowance to noncurrent loans | 957.3333% | 372 |
| Noncurrent assets plus other real estate owned to assets | 0.0947% | 7,345 |
| Noncurrent loans to loans | 0.1842% | 7,056 |
| Net loans and leases to total assets | 50.4999% | 6,828 |
| Net loans and leases to deposits | 61.7519% | 6,746 |
| Net loans and leases to core deposits | 73.9103% | 6,798 |
| Total domestic deposits to total assets | 81.7788% | 4,779 |
| Equity capital to assets | 17.3577% | 618 |
| Core capital (leverage) ratio | 17.2695% | 581 |
| Tier 1 risk-based capital ratio | 24.2304% | 1,010 |
| Total risk-based capital ratio | 25.4834% | 989 |
| Memoranda: | ||
| Average total assets | $67,537,000 | 6,171 |
| Average earning assets | $63,693,330 | 6,085 |
| Average equity | $13,899,000 | 4,327 |
| Average total loans | $37,418,000 | 6,324 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9681% | 7,017 |
| Cost of funding earning assets | 1.1017% | 7,517 |
| Net interest margin | 3.8663% | 3,198 |
| Noninterest income to average assets | 0.1815% | 6,995 |
| Noninterest expense to average assets | 5.8606% | 306 |
| Loan and lease loss provision to assets | 0.6937% | 1,821 |
| Net operating income to assets | -1.7245% | 7,579 |
| Return on assets (ROA) | -1.7245% | 7,580 |
| Pretax return on assets | -2.7099% | 7,704 |
| Return on Equity (ROE) | -7.6141% | 7,210 |
| Retained earnings to average equity (ytd only) | -7.6141% | 6,873 |
| Net charge-offs to loans | 0.2908% | 2,950 |
| Credit loss provision to net charge-offs | 411.5385% | 1,278 |
| Earnings coverage of net charge-offs (x) | -11.9615% | 5,631 |
| Efficiency ratio | 152.4452% | 341 |
| Assets per employee ($millions) | 3.3286% | 5,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5529% | 2,709 |
| 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 | 57.6371% | 6,003 |
| Net loans and leases to deposits | 79.9754% | 4,619 |
| Net loans and leases to core deposits | 96.5309% | 4,901 |
| Total domestic deposits to total assets | 72.0685% | 7,199 |
| Equity capital to assets | 22.0052% | 306 |
| Core capital (leverage) ratio | 21.0428% | 348 |
| Tier 1 risk-based capital ratio | 29.1933% | 677 |
| Total risk-based capital ratio | 30.4430% | 655 |
| Memoranda: | ||
| Average total assets | $61,700,500 | 6,415 |
| Average earning assets | $58,453,500 | 6,326 |
| Average equity | $13,974,000 | 4,339 |
| Average total loans | $35,767,500 | 6,448 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3736% | 7,500 |
| Cost of funding earning assets | 1.2619% | 7,880 |
| Net interest margin | 4.1117% | 2,659 |
| Noninterest income to average assets | 0.1710% | 7,198 |
| Noninterest expense to average assets | 7.4687% | 260 |
| Loan and lease loss provision to assets | 1.5046% | 894 |
| Net operating income to assets | -3.0911% | 7,845 |
| Return on assets (ROA) | -3.0911% | 7,816 |
| Pretax return on assets | -4.9576% | 8,022 |
| Return on Equity (ROE) | -8.7114% | 7,175 |
| Retained earnings to average equity (ytd only) | -8.7114% | 6,944 |
| Net charge-offs to loans | 0.8522% | 1,475 |
| Credit loss provision to net charge-offs | 344.8864% | 1,312 |
| Earnings coverage of net charge-offs (x) | -7.9148% | 6,878 |
| Efficiency ratio | 185.9877% | 229 |
| Assets per employee ($millions) | 3.3421% | 5,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4316% | 3,023 |
| Loan loss allowance to noncurrent loans | 1,764.2857% | 323 |
| Noncurrent assets plus other real estate owned to assets | 0.0465% | 7,399 |
| Noncurrent loans to loans | 0.0811% | 7,177 |
| Net loans and leases to total assets | 56.5420% | 6,375 |
| Net loans and leases to deposits | 83.4208% | 4,510 |
| Net loans and leases to core deposits | 98.1617% | 5,024 |
| Total domestic deposits to total assets | 67.7793% | 7,491 |
| Equity capital to assets | 23.3240% | 307 |
| Core capital (leverage) ratio | 24.6257% | 272 |
| Tier 1 risk-based capital ratio | 30.9211% | 595 |
| Total risk-based capital ratio | 32.1072% | 590 |
| Memoranda: | ||
| Average total assets | $40,341,800 | 7,200 |
| Average earning assets | $37,721,800 | 7,162 |
| Average equity | $14,314,600 | 4,266 |
| Average total loans | $20,653,600 | 7,287 |