Home > Patriot Bank > Performance and Condition Ratios
Patriot Bank, 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 | 4.7000% | 1,058 |
| Cost of funding earning assets | 0.5270% | 1,943 |
| Net interest margin | 4.1731% | 1,138 |
| Noninterest income to average assets | 0.1922% | 5,089 |
| Noninterest expense to average assets | 2.4949% | 3,768 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.9146% | 2,838 |
| Return on assets (ROA) | 0.9146% | 2,891 |
| Pretax return on assets | 1.4771% | 1,729 |
| Return on Equity (ROE) | 7.3470% | 3,369 |
| Retained earnings to average equity (ytd only) | 7.3470% | 1,426 |
| Net charge-offs to loans | -0.0062% | 4,381 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8126% | 3,847 |
| Assets per employee ($millions) | 6.1792% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9344% | 4,493 |
| Loan loss allowance to noncurrent loans | 126.2774% | 3,121 |
| Noncurrent assets plus other real estate owned to assets | 1.9543% | 662 |
| Noncurrent loans to loans | 0.7400% | 2,546 |
| Net loans and leases to total assets | 83.1086% | 538 |
| Net loans and leases to deposits | 97.3750% | 948 |
| Net loans and leases to core deposits | 100.0296% | 1,645 |
| Total domestic deposits to total assets | 85.3490% | 2,667 |
| Equity capital to assets | 12.7511% | 1,494 |
| Core capital (leverage) ratio | 11.1323% | 2,289 |
| Tier 1 risk-based capital ratio | 12.3847% | 4,363 |
| Total risk-based capital ratio | 13.2510% | 4,518 |
| Memoranda: | ||
| Average total assets | $155,034,330 | 3,452 |
| Average earning assets | $140,424,670 | 3,489 |
| Average equity | $19,300,330 | 3,246 |
| Average total loans | $130,079,330 | 2,946 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6070% | 1,123 |
| Cost of funding earning assets | 0.5239% | 1,908 |
| Net interest margin | 4.0831% | 1,260 |
| Noninterest income to average assets | 0.1957% | 5,096 |
| Noninterest expense to average assets | 2.4982% | 3,808 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8602% | 2,944 |
| Return on assets (ROA) | 0.8602% | 2,988 |
| Pretax return on assets | 1.3908% | 1,923 |
| Return on Equity (ROE) | 6.9942% | 3,399 |
| Retained earnings to average equity (ytd only) | 6.9942% | 1,851 |
| Net charge-offs to loans | -0.0061% | 4,242 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2384% | 3,789 |
| Assets per employee ($millions) | 6.2246% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9204% | 4,677 |
| Loan loss allowance to noncurrent loans | 364.1566% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 1.2422% | 1,395 |
| Noncurrent loans to loans | 0.2528% | 4,209 |
| Net loans and leases to total assets | 83.6302% | 406 |
| Net loans and leases to deposits | 97.6653% | 795 |
| Net loans and leases to core deposits | 101.9035% | 1,377 |
| Total domestic deposits to total assets | 85.6294% | 2,825 |
| Equity capital to assets | 12.3908% | 1,604 |
| Core capital (leverage) ratio | 11.0046% | 2,357 |
| Tier 1 risk-based capital ratio | 11.7630% | 4,877 |
| Total risk-based capital ratio | 12.6155% | 5,012 |
| Memoranda: | ||
| Average total assets | $155,311,000 | 3,486 |
| Average earning assets | $140,481,000 | 3,518 |
| Average equity | $19,101,500 | 3,277 |
| Average total loans | $130,320,000 | 2,950 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4972% | 1,547 |
| Cost of funding earning assets | 0.5492% | 1,697 |
| Net interest margin | 3.9480% | 1,797 |
| Noninterest income to average assets | 0.1819% | 5,311 |
| Noninterest expense to average assets | 2.4744% | 4,094 |
| Loan and lease loss provision to assets | 0.0067% | 4,228 |
| Net operating income to assets | 0.7725% | 3,441 |
| Return on assets (ROA) | 0.7725% | 3,541 |
| Pretax return on assets | 1.2470% | 2,485 |
| Return on Equity (ROE) | 6.4307% | 3,772 |
| Retained earnings to average equity (ytd only) | 6.4307% | 1,484 |
| Net charge-offs to loans | 0.0181% | 3,702 |
| Credit loss provision to net charge-offs | 47.6190% | 3,409 |
| Earnings coverage of net charge-offs (x) | 88.9524% | 661 |
| Efficiency ratio | 66.3726% | 3,532 |
| Assets per employee ($millions) | 6.2002% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9336% | 4,641 |
| Loan loss allowance to noncurrent loans | 364.6526% | 1,373 |
| Noncurrent assets plus other real estate owned to assets | 1.2464% | 1,431 |
| Noncurrent loans to loans | 0.2560% | 4,236 |
| Net loans and leases to total assets | 82.6303% | 523 |
| Net loans and leases to deposits | 101.4776% | 570 |
| Net loans and leases to core deposits | 105.9063% | 1,137 |
| Total domestic deposits to total assets | 81.4272% | 4,224 |
| Equity capital to assets | 12.2066% | 1,681 |
| Core capital (leverage) ratio | 11.1695% | 2,195 |
| Tier 1 risk-based capital ratio | 11.5249% | 5,043 |
| Total risk-based capital ratio | 12.3876% | 5,148 |
| Memoranda: | ||
| Average total assets | $149,003,200 | 3,535 |
| Average earning assets | $133,839,000 | 3,591 |
| Average equity | $17,898,400 | 3,421 |
| Average total loans | $116,314,200 | 3,123 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4826% | 1,599 |
| Cost of funding earning assets | 0.5708% | 1,540 |
| Net interest margin | 3.9118% | 1,933 |
| Noninterest income to average assets | 0.1708% | 5,416 |
| Noninterest expense to average assets | 2.4993% | 3,984 |
| Loan and lease loss provision to assets | 0.0090% | 4,057 |
| Net operating income to assets | 0.7267% | 3,713 |
| Return on assets (ROA) | 0.7267% | 3,846 |
| Pretax return on assets | 1.1751% | 2,938 |
| Return on Equity (ROE) | 6.0760% | 4,037 |
| Retained earnings to average equity (ytd only) | 6.0760% | 2,142 |
| Net charge-offs to loans | 0.0271% | 3,123 |
| Credit loss provision to net charge-offs | 43.4783% | 3,116 |
| Earnings coverage of net charge-offs (x) | 56.9488% | 996 |
| Efficiency ratio | 67.8528% | 3,249 |
| Assets per employee ($millions) | 5.1641% | 2,168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0137% | 4,331 |
| Loan loss allowance to noncurrent loans | 364.0483% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 1.3361% | 1,413 |
| Noncurrent loans to loans | 0.2784% | 4,264 |
| Net loans and leases to total assets | 81.3798% | 704 |
| Net loans and leases to deposits | 96.7538% | 975 |
| Net loans and leases to core deposits | 99.5499% | 1,677 |
| Total domestic deposits to total assets | 84.1102% | 3,183 |
| Equity capital to assets | 12.9319% | 1,524 |
| Core capital (leverage) ratio | 10.7547% | 2,724 |
| Tier 1 risk-based capital ratio | 12.0672% | 4,746 |
| Total risk-based capital ratio | 12.9970% | 4,852 |
| Memoranda: | ||
| Average total assets | $147,502,500 | 3,575 |
| Average earning assets | $132,450,750 | 3,626 |
| Average equity | $17,642,750 | 3,489 |
| Average total loans | $113,070,500 | 3,183 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3969% | 1,838 |
| Cost of funding earning assets | 0.5932% | 1,373 |
| Net interest margin | 3.8037% | 2,307 |
| Noninterest income to average assets | 0.1590% | 5,522 |
| Noninterest expense to average assets | 2.4530% | 4,166 |
| Loan and lease loss provision to assets | 0.0135% | 3,837 |
| Net operating income to assets | 0.6830% | 3,885 |
| Return on assets (ROA) | 0.6830% | 4,028 |
| Pretax return on assets | 1.1046% | 3,180 |
| Return on Equity (ROE) | 5.8644% | 4,111 |
| Retained earnings to average equity (ytd only) | 5.8644% | 2,203 |
| Net charge-offs to loans | 0.0666% | 2,239 |
| Credit loss provision to net charge-offs | 27.0270% | 2,879 |
| Earnings coverage of net charge-offs (x) | 22.4324% | 1,627 |
| Efficiency ratio | 68.6911% | 3,216 |
| Assets per employee ($millions) | 6.1928% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0167% | 4,423 |
| Loan loss allowance to noncurrent loans | 242.0732% | 1,947 |
| Noncurrent assets plus other real estate owned to assets | 1.3577% | 1,466 |
| Noncurrent loans to loans | 0.4200% | 3,847 |
| Net loans and leases to total assets | 74.8971% | 1,671 |
| Net loans and leases to deposits | 85.8354% | 2,265 |
| Net loans and leases to core deposits | 91.5453% | 2,380 |
| Total domestic deposits to total assets | 87.2567% | 1,777 |
| Equity capital to assets | 11.8881% | 2,209 |
| Core capital (leverage) ratio | 10.0216% | 3,541 |
| Tier 1 risk-based capital ratio | 11.7748% | 4,991 |
| Total risk-based capital ratio | 12.6999% | 5,076 |
| Memoranda: | ||
| Average total assets | $148,471,330 | 3,580 |
| Average earning assets | $133,185,330 | 3,642 |
| Average equity | $17,290,670 | 3,544 |
| Average total loans | $111,135,000 | 3,222 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4376% | 1,691 |
| Cost of funding earning assets | 0.6072% | 1,291 |
| Net interest margin | 3.8303% | 2,183 |
| Noninterest income to average assets | 0.1184% | 5,747 |
| Noninterest expense to average assets | 2.4914% | 4,097 |
| Loan and lease loss provision to assets | 0.0165% | 3,471 |
| Net operating income to assets | 0.6469% | 3,989 |
| Return on assets (ROA) | 0.6469% | 4,109 |
| Pretax return on assets | 1.0489% | 3,281 |
| Return on Equity (ROE) | 5.6175% | 4,165 |
| Retained earnings to average equity (ytd only) | 5.6175% | 2,570 |
| Net charge-offs to loans | 0.1406% | 1,268 |
| Credit loss provision to net charge-offs | 15.7895% | 2,322 |
| Earnings coverage of net charge-offs (x) | 10.1842% | 1,939 |
| Efficiency ratio | 70.0464% | 3,120 |
| Assets per employee ($millions) | 6.1678% | 1,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 4,239 |
| Loan loss allowance to noncurrent loans | 240.3651% | 1,928 |
| Noncurrent assets plus other real estate owned to assets | 1.4207% | 1,456 |
| Noncurrent loans to loans | 0.4444% | 3,845 |
| Net loans and leases to total assets | 74.1405% | 1,704 |
| Net loans and leases to deposits | 85.0799% | 2,185 |
| Net loans and leases to core deposits | 92.4645% | 2,141 |
| Total domestic deposits to total assets | 87.1422% | 2,138 |
| Equity capital to assets | 11.8654% | 2,108 |
| Core capital (leverage) ratio | 9.5477% | 4,105 |
| Tier 1 risk-based capital ratio | 11.0881% | 5,461 |
| Total risk-based capital ratio | 12.0628% | 5,508 |
| Memoranda: | ||
| Average total assets | $145,297,500 | 3,649 |
| Average earning assets | $130,432,000 | 3,704 |
| Average equity | $16,733,500 | 3,627 |
| Average total loans | $108,129,500 | 3,273 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6290% | 1,259 |
| Cost of funding earning assets | 0.5707% | 1,592 |
| Net interest margin | 4.0583% | 1,536 |
| Noninterest income to average assets | -0.0855% | 6,141 |
| Noninterest expense to average assets | 2.7323% | 3,475 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.4754% | 4,791 |
| Return on assets (ROA) | 0.4438% | 4,990 |
| Pretax return on assets | 0.7240% | 4,460 |
| Return on Equity (ROE) | 3.8525% | 5,007 |
| Retained earnings to average equity (ytd only) | 1.6255% | 4,798 |
| Net charge-offs to loans | 0.0706% | 2,833 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 14.3699% | 2,306 |
| Efficiency ratio | 77.9390% | 1,981 |
| Assets per employee ($millions) | 5.7027% | 1,615 |
| Cash dividends to net income (ytd only)* | 57.8073% | 1,856 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1555% | 3,723 |
| Loan loss allowance to noncurrent loans | 228.7594% | 2,056 |
| Noncurrent assets plus other real estate owned to assets | 1.5249% | 1,321 |
| Noncurrent loans to loans | 0.5051% | 3,668 |
| Net loans and leases to total assets | 73.0241% | 1,890 |
| Net loans and leases to deposits | 83.1077% | 2,462 |
| Net loans and leases to core deposits | 91.2173% | 2,297 |
| Total domestic deposits to total assets | 87.8668% | 1,707 |
| Equity capital to assets | 11.1547% | 2,675 |
| Core capital (leverage) ratio | 9.1050% | 4,747 |
| Tier 1 risk-based capital ratio | 10.7269% | 5,655 |
| Total risk-based capital ratio | 11.7830% | 5,677 |
| Memoranda: | ||
| Average total assets | $135,637,200 | 3,796 |
| Average earning assets | $120,027,000 | 3,879 |
| Average equity | $15,626,400 | 3,745 |
| Average total loans | $103,429,800 | 3,326 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6733% | 1,148 |
| Cost of funding earning assets | 0.5610% | 1,704 |
| Net interest margin | 4.1123% | 1,381 |
| Noninterest income to average assets | 0.0458% | 6,110 |
| Noninterest expense to average assets | 2.9314% | 2,738 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4559% | 4,951 |
| Return on assets (ROA) | 0.4132% | 5,202 |
| Pretax return on assets | 0.6751% | 4,761 |
| Return on Equity (ROE) | 3.5567% | 5,201 |
| Retained earnings to average equity (ytd only) | 0.5828% | 5,443 |
| Net charge-offs to loans | 0.0117% | 3,767 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 82.7758% | 723 |
| Efficiency ratio | 79.8048% | 1,685 |
| Assets per employee ($millions) | 5.7344% | 1,562 |
| Cash dividends to net income (ytd only)* | 83.6153% | 656 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2041% | 3,629 |
| Loan loss allowance to noncurrent loans | 3,287.1795% | 225 |
| Noncurrent assets plus other real estate owned to assets | 1.4423% | 1,576 |
| Noncurrent loans to loans | 0.0366% | 5,473 |
| Net loans and leases to total assets | 76.4289% | 1,326 |
| Net loans and leases to deposits | 87.3972% | 1,981 |
| Net loans and leases to core deposits | 94.7622% | 2,004 |
| Total domestic deposits to total assets | 87.4500% | 1,823 |
| Equity capital to assets | 11.4172% | 2,565 |
| Core capital (leverage) ratio | 9.1517% | 4,807 |
| Tier 1 risk-based capital ratio | 10.4783% | 5,891 |
| Total risk-based capital ratio | 11.5935% | 5,874 |
| Memoranda: | ||
| Average total assets | $133,904,500 | 3,860 |
| Average earning assets | $118,115,000 | 3,957 |
| Average equity | $15,557,250 | 3,791 |
| Average total loans | $102,955,750 | 3,369 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6925% | 1,081 |
| Cost of funding earning assets | 0.5501% | 1,810 |
| Net interest margin | 4.1424% | 1,246 |
| Noninterest income to average assets | 0.1040% | 6,014 |
| Noninterest expense to average assets | 2.9895% | 2,585 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4672% | 4,906 |
| Return on assets (ROA) | 0.4025% | 5,233 |
| Pretax return on assets | 0.6573% | 4,802 |
| Return on Equity (ROE) | 3.4440% | 5,258 |
| Retained earnings to average equity (ytd only) | -1.0319% | 5,694 |
| Net charge-offs to loans | -0.0039% | 4,687 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7667% | 1,796 |
| Assets per employee ($millions) | 5.6432% | 1,625 |
| Cash dividends to net income (ytd only)* | 129.9625% | 264 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2445% | 3,533 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7435% | 1,344 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 79.0491% | 933 |
| Net loans and leases to deposits | 92.6512% | 1,296 |
| Net loans and leases to core deposits | 96.0090% | 1,799 |
| Total domestic deposits to total assets | 85.3190% | 3,001 |
| Equity capital to assets | 11.9690% | 2,054 |
| Core capital (leverage) ratio | 9.2092% | 4,675 |
| Tier 1 risk-based capital ratio | 10.4437% | 5,945 |
| Total risk-based capital ratio | 11.5899% | 5,920 |
| Memoranda: | ||
| Average total assets | $132,664,000 | 3,913 |
| Average earning assets | $116,696,330 | 4,021 |
| Average equity | $15,505,330 | 3,814 |
| Average total loans | $101,785,000 | 3,406 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5523% | 1,331 |
| Cost of funding earning assets | 0.5465% | 1,876 |
| Net interest margin | 4.0057% | 1,532 |
| Noninterest income to average assets | 0.0119% | 6,305 |
| Noninterest expense to average assets | 3.0067% | 2,558 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.3192% | 5,343 |
| Return on assets (ROA) | 0.3192% | 5,451 |
| Pretax return on assets | 0.5250% | 5,112 |
| Return on Equity (ROE) | 2.7630% | 5,451 |
| Retained earnings to average equity (ytd only) | -6.2232% | 6,002 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1351% | 1,258 |
| Assets per employee ($millions) | 5.9328% | 1,440 |
| Cash dividends to net income (ytd only)* | 325.2336% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2719% | 3,568 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.7889% | 1,374 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 73.4359% | 1,578 |
| Net loans and leases to deposits | 84.1906% | 2,044 |
| Net loans and leases to core deposits | 87.4025% | 2,387 |
| Total domestic deposits to total assets | 87.2258% | 2,254 |
| Equity capital to assets | 11.2755% | 2,677 |
| Core capital (leverage) ratio | 8.3679% | 5,667 |
| Tier 1 risk-based capital ratio | 9.6453% | 6,248 |
| Total risk-based capital ratio | 11.3975% | 6,070 |
| Memoranda: | ||
| Average total assets | $134,099,000 | 3,921 |
| Average earning assets | $117,831,500 | 4,022 |
| Average equity | $15,490,500 | 3,832 |
| Average total loans | $100,730,500 | 3,441 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8637% | 986 |
| Cost of funding earning assets | 0.5568% | 2,157 |
| Net interest margin | 4.3069% | 1,049 |
| Noninterest income to average assets | -0.3544% | 6,486 |
| Noninterest expense to average assets | 2.8999% | 3,150 |
| Loan and lease loss provision to assets | 0.0452% | 3,673 |
| Net operating income to assets | 0.2593% | 5,630 |
| Return on assets (ROA) | 0.2426% | 5,732 |
| Pretax return on assets | 0.4027% | 5,482 |
| Return on Equity (ROE) | 1.9877% | 5,769 |
| Retained earnings to average equity (ytd only) | 1.9877% | 4,797 |
| Net charge-offs to loans | 0.0062% | 4,801 |
| Credit loss provision to net charge-offs | 950.0000% | 284 |
| Earnings coverage of net charge-offs (x) | 99.6667% | 526 |
| Efficiency ratio | 85.9492% | 1,176 |
| Assets per employee ($millions) | 5.7280% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2915% | 3,469 |
| Loan loss allowance to noncurrent loans | 377.4854% | 1,342 |
| Noncurrent assets plus other real estate owned to assets | 2.2794% | 1,055 |
| Noncurrent loans to loans | 0.3421% | 4,629 |
| Net loans and leases to total assets | 74.8973% | 1,434 |
| Net loans and leases to deposits | 86.3491% | 1,936 |
| Net loans and leases to core deposits | 89.9972% | 2,284 |
| Total domestic deposits to total assets | 86.7378% | 2,429 |
| Equity capital to assets | 11.8374% | 2,142 |
| Core capital (leverage) ratio | 8.5633% | 5,484 |
| Tier 1 risk-based capital ratio | 10.0003% | 6,260 |
| Total risk-based capital ratio | 11.7922% | 6,028 |
| Memoranda: | ||
| Average total assets | $126,141,800 | 4,059 |
| Average earning assets | $109,197,200 | 4,199 |
| Average equity | $15,394,600 | 3,763 |
| Average total loans | $96,589,600 | 3,486 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9093% | 912 |
| Cost of funding earning assets | 0.5484% | 2,309 |
| Net interest margin | 4.3609% | 939 |
| Noninterest income to average assets | -0.1133% | 6,531 |
| Noninterest expense to average assets | 3.1456% | 2,333 |
| Loan and lease loss provision to assets | 0.0609% | 3,140 |
| Net operating income to assets | 0.2747% | 5,665 |
| Return on assets (ROA) | 0.2747% | 5,731 |
| Pretax return on assets | 0.4457% | 5,481 |
| Return on Equity (ROE) | 2.2331% | 5,781 |
| Retained earnings to average equity (ytd only) | 2.2331% | 4,941 |
| Net charge-offs to loans | 0.0125% | 4,307 |
| Credit loss provision to net charge-offs | 633.3333% | 468 |
| Earnings coverage of net charge-offs (x) | 52.6650% | 941 |
| Efficiency ratio | 86.1282% | 1,170 |
| Assets per employee ($millions) | 5.9409% | 1,371 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3359% | 3,466 |
| Loan loss allowance to noncurrent loans | 378.0059% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 2.5937% | 997 |
| Noncurrent loans to loans | 0.3534% | 4,846 |
| Net loans and leases to total assets | 72.8399% | 1,706 |
| Net loans and leases to deposits | 83.9123% | 2,164 |
| Net loans and leases to core deposits | 88.1311% | 2,412 |
| Total domestic deposits to total assets | 86.8048% | 2,418 |
| Equity capital to assets | 11.8562% | 2,189 |
| Core capital (leverage) ratio | 8.8115% | 5,322 |
| Tier 1 risk-based capital ratio | 10.2943% | 6,265 |
| Total risk-based capital ratio | 12.1570% | 5,990 |
| Memoranda: | ||
| Average total assets | $124,741,500 | 4,128 |
| Average earning assets | $107,711,500 | 4,270 |
| Average equity | $15,344,500 | 3,797 |
| Average total loans | $95,746,250 | 3,538 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9807% | 778 |
| Cost of funding earning assets | 0.5423% | 2,415 |
| Net interest margin | 4.4385% | 797 |
| Noninterest income to average assets | -0.0098% | 6,569 |
| Noninterest expense to average assets | 3.2390% | 2,074 |
| Loan and lease loss provision to assets | 0.0929% | 2,476 |
| Net operating income to assets | 0.2933% | 5,586 |
| Return on assets (ROA) | 0.2933% | 5,655 |
| Pretax return on assets | 0.4725% | 5,358 |
| Return on Equity (ROE) | 2.3539% | 5,746 |
| Retained earnings to average equity (ytd only) | 2.3539% | 4,706 |
| Net charge-offs to loans | -0.0503% | 5,877 |
| Credit loss provision to net charge-offs | -237.5000% | 5,424 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1392% | 1,365 |
| Assets per employee ($millions) | 5.7010% | 1,524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3483% | 3,596 |
| Loan loss allowance to noncurrent loans | 170.5806% | 2,445 |
| Noncurrent assets plus other real estate owned to assets | 3.2418% | 757 |
| Noncurrent loans to loans | 0.7904% | 3,718 |
| Net loans and leases to total assets | 77.1206% | 1,036 |
| Net loans and leases to deposits | 89.2357% | 1,446 |
| Net loans and leases to core deposits | 93.3028% | 1,839 |
| Total domestic deposits to total assets | 86.4235% | 2,807 |
| Equity capital to assets | 12.2912% | 1,781 |
| Core capital (leverage) ratio | 9.0503% | 4,945 |
| Tier 1 risk-based capital ratio | 10.0267% | 6,391 |
| Total risk-based capital ratio | 11.8968% | 6,145 |
| Memoranda: | ||
| Average total assets | $122,755,670 | 4,183 |
| Average earning assets | $105,486,330 | 4,339 |
| Average equity | $15,294,000 | 3,802 |
| Average total loans | $95,498,330 | 3,554 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9641% | 770 |
| Cost of funding earning assets | 0.5588% | 2,356 |
| Net interest margin | 4.4053% | 798 |
| Noninterest income to average assets | -0.0889% | 6,660 |
| Noninterest expense to average assets | 3.0373% | 2,739 |
| Loan and lease loss provision to assets | 0.1878% | 1,272 |
| Net operating income to assets | 0.2800% | 5,563 |
| Return on assets (ROA) | 0.2800% | 5,608 |
| Pretax return on assets | 0.4513% | 5,305 |
| Return on Equity (ROE) | 2.2320% | 5,727 |
| Retained earnings to average equity (ytd only) | 2.2320% | 4,712 |
| Net charge-offs to loans | -0.0085% | 4,986 |
| Credit loss provision to net charge-offs | -2,850.0000% | 5,534 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6165% | 1,849 |
| Assets per employee ($millions) | 5.2624% | 1,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3651% | 3,764 |
| Loan loss allowance to noncurrent loans | 122.7573% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 3.9617% | 606 |
| Noncurrent loans to loans | 1.1120% | 3,197 |
| Net loans and leases to total assets | 77.6073% | 806 |
| Net loans and leases to deposits | 89.7608% | 1,181 |
| Net loans and leases to core deposits | 92.7888% | 1,659 |
| Total domestic deposits to total assets | 86.4601% | 3,134 |
| Equity capital to assets | 12.6335% | 1,504 |
| Core capital (leverage) ratio | 8.8597% | 5,190 |
| Tier 1 risk-based capital ratio | 10.0361% | 6,466 |
| Total risk-based capital ratio | 11.9175% | 6,247 |
| Memoranda: | ||
| Average total assets | $121,422,000 | 4,246 |
| Average earning assets | $103,785,000 | 4,406 |
| Average equity | $15,233,000 | 3,823 |
| Average total loans | $94,223,000 | 3,603 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7572% | 1,422 |
| Cost of funding earning assets | 0.7115% | 1,734 |
| Net interest margin | 4.0456% | 1,818 |
| Noninterest income to average assets | 0.1507% | 6,186 |
| Noninterest expense to average assets | 3.0818% | 2,793 |
| Loan and lease loss provision to assets | 0.4596% | 626 |
| Net operating income to assets | 0.0647% | 6,105 |
| Return on assets (ROA) | 0.0647% | 6,154 |
| Pretax return on assets | 0.1073% | 6,079 |
| Return on Equity (ROE) | 0.5264% | 6,163 |
| Retained earnings to average equity (ytd only) | 0.5264% | 5,603 |
| Net charge-offs to loans | 0.7999% | 786 |
| Credit loss provision to net charge-offs | 77.7008% | 3,103 |
| Earnings coverage of net charge-offs (x) | 0.9584% | 4,763 |
| Efficiency ratio | 84.4634% | 1,581 |
| Assets per employee ($millions) | 5.0754% | 2,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 3,975 |
| Loan loss allowance to noncurrent loans | 80.5718% | 4,161 |
| Noncurrent assets plus other real estate owned to assets | 4.0145% | 659 |
| Noncurrent loans to loans | 1.6510% | 2,433 |
| Net loans and leases to total assets | 75.5067% | 1,145 |
| Net loans and leases to deposits | 89.1463% | 1,325 |
| Net loans and leases to core deposits | 92.4241% | 1,747 |
| Total domestic deposits to total assets | 84.6998% | 3,890 |
| Equity capital to assets | 12.4580% | 1,534 |
| Core capital (leverage) ratio | 8.6606% | 5,465 |
| Tier 1 risk-based capital ratio | 10.0300% | 6,510 |
| Total risk-based capital ratio | 11.8805% | 6,278 |
| Memoranda: | ||
| Average total assets | $122,071,800 | 4,235 |
| Average earning assets | $105,545,800 | 4,377 |
| Average equity | $15,006,400 | 3,876 |
| Average total loans | $90,260,200 | 3,684 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6695% | 1,682 |
| Cost of funding earning assets | 0.7263% | 1,763 |
| Net interest margin | 3.9432% | 2,138 |
| Noninterest income to average assets | 0.1201% | 6,416 |
| Noninterest expense to average assets | 3.0948% | 2,672 |
| Loan and lease loss provision to assets | 0.7718% | 260 |
| Net operating income to assets | -0.2030% | 6,471 |
| Return on assets (ROA) | -0.2030% | 6,493 |
| Pretax return on assets | -0.3209% | 6,528 |
| Return on Equity (ROE) | -1.6572% | 6,465 |
| Retained earnings to average equity (ytd only) | -1.6572% | 6,224 |
| Net charge-offs to loans | 1.1677% | 471 |
| Credit loss provision to net charge-offs | 90.1786% | 2,633 |
| Earnings coverage of net charge-offs (x) | 0.5268% | 4,687 |
| Efficiency ratio | 87.2845% | 1,232 |
| Assets per employee ($millions) | 5.1940% | 1,944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4120% | 3,842 |
| Loan loss allowance to noncurrent loans | 41.3233% | 5,583 |
| Noncurrent assets plus other real estate owned to assets | 5.2199% | 520 |
| Noncurrent loans to loans | 3.4168% | 1,133 |
| Net loans and leases to total assets | 74.1611% | 1,272 |
| Net loans and leases to deposits | 85.2046% | 1,716 |
| Net loans and leases to core deposits | 88.2322% | 2,161 |
| Total domestic deposits to total assets | 87.0388% | 2,671 |
| Equity capital to assets | 11.9745% | 1,936 |
| Core capital (leverage) ratio | 8.2884% | 5,982 |
| Tier 1 risk-based capital ratio | 9.7194% | 6,655 |
| Total risk-based capital ratio | 11.6316% | 6,453 |
| Memoranda: | ||
| Average total assets | $122,137,500 | 4,272 |
| Average earning assets | $106,103,500 | 4,403 |
| Average equity | $14,964,250 | 3,919 |
| Average total loans | $89,521,750 | 3,730 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5884% | 1,886 |
| Cost of funding earning assets | 0.7427% | 1,747 |
| Net interest margin | 3.8457% | 2,394 |
| Noninterest income to average assets | -0.1830% | 6,866 |
| Noninterest expense to average assets | 3.0866% | 2,705 |
| Loan and lease loss provision to assets | 1.0355% | 174 |
| Net operating income to assets | -0.5952% | 6,664 |
| Return on assets (ROA) | -0.5952% | 6,678 |
| Pretax return on assets | -0.9497% | 6,729 |
| Return on Equity (ROE) | -4.8208% | 6,637 |
| Retained earnings to average equity (ytd only) | -4.8208% | 6,449 |
| Net charge-offs to loans | 1.8069% | 258 |
| Credit loss provision to net charge-offs | 78.8945% | 2,655 |
| Earnings coverage of net charge-offs (x) | 0.0653% | 4,524 |
| Efficiency ratio | 97.2973% | 604 |
| Assets per employee ($millions) | 5.0465% | 2,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 4,229 |
| Loan loss allowance to noncurrent loans | 32.6623% | 5,920 |
| Noncurrent assets plus other real estate owned to assets | 5.8705% | 474 |
| Noncurrent loans to loans | 4.1568% | 911 |
| Net loans and leases to total assets | 73.9644% | 1,255 |
| Net loans and leases to deposits | 84.9755% | 1,686 |
| Net loans and leases to core deposits | 87.4261% | 2,180 |
| Total domestic deposits to total assets | 87.0421% | 2,795 |
| Equity capital to assets | 12.1744% | 1,790 |
| Core capital (leverage) ratio | 8.0508% | 6,146 |
| Tier 1 risk-based capital ratio | 9.7266% | 6,688 |
| Total risk-based capital ratio | 11.6447% | 6,507 |
| Memoranda: | ||
| Average total assets | $121,297,670 | 4,322 |
| Average earning assets | $105,832,000 | 4,439 |
| Average equity | $14,976,670 | 3,950 |
| Average total loans | $88,105,330 | 3,766 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4826% | 2,228 |
| Cost of funding earning assets | 0.7433% | 1,902 |
| Net interest margin | 3.7393% | 2,702 |
| Noninterest income to average assets | -0.3888% | 6,976 |
| Noninterest expense to average assets | 3.0645% | 2,795 |
| Loan and lease loss provision to assets | 0.9951% | 181 |
| Net operating income to assets | -0.7447% | 6,752 |
| Return on assets (ROA) | -0.7447% | 6,767 |
| Pretax return on assets | -1.1830% | 6,839 |
| Return on Equity (ROE) | -5.9897% | 6,719 |
| Retained earnings to average equity (ytd only) | -5.9897% | 6,419 |
| Net charge-offs to loans | 2.4761% | 167 |
| Credit loss provision to net charge-offs | 56.2384% | 2,503 |
| Earnings coverage of net charge-offs (x) | -0.1061% | 3,855 |
| Efficiency ratio | 106.5292% | 382 |
| Assets per employee ($millions) | 5.3328% | 1,826 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 4,479 |
| Loan loss allowance to noncurrent loans | 20.1277% | 6,343 |
| Noncurrent assets plus other real estate owned to assets | 6.4254% | 471 |
| Noncurrent loans to loans | 6.6976% | 466 |
| Net loans and leases to total assets | 69.5681% | 1,739 |
| Net loans and leases to deposits | 79.9955% | 2,070 |
| Net loans and leases to core deposits | 89.9743% | 1,695 |
| Total domestic deposits to total assets | 86.9650% | 2,978 |
| Equity capital to assets | 12.2091% | 1,904 |
| Core capital (leverage) ratio | 8.4274% | 5,670 |
| Tier 1 risk-based capital ratio | 10.5405% | 6,566 |
| Total risk-based capital ratio | 12.4913% | 6,269 |
| Memoranda: | ||
| Average total assets | $121,389,000 | 4,362 |
| Average earning assets | $106,009,500 | 4,472 |
| Average equity | $15,092,500 | 3,978 |
| Average total loans | $86,750,500 | 3,819 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1686% | 1,174 |
| Cost of funding earning assets | 0.8276% | 2,439 |
| Net interest margin | 4.3410% | 1,305 |
| Noninterest income to average assets | 0.0811% | 6,581 |
| Noninterest expense to average assets | 3.2293% | 2,517 |
| Loan and lease loss provision to assets | 0.8024% | 604 |
| Net operating income to assets | -0.1340% | 6,322 |
| Return on assets (ROA) | -0.1323% | 6,409 |
| Pretax return on assets | -0.1952% | 6,421 |
| Return on Equity (ROE) | -1.0449% | 6,391 |
| Retained earnings to average equity (ytd only) | -1.0449% | 6,022 |
| Net charge-offs to loans | 1.1076% | 950 |
| Credit loss provision to net charge-offs | 95.3786% | 3,258 |
| Earnings coverage of net charge-offs (x) | 0.7188% | 5,123 |
| Efficiency ratio | 84.2287% | 1,603 |
| Assets per employee ($millions) | 5.0052% | 2,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6102% | 3,265 |
| Loan loss allowance to noncurrent loans | 30.5895% | 6,039 |
| Noncurrent assets plus other real estate owned to assets | 5.0764% | 755 |
| Noncurrent loans to loans | 5.2639% | 730 |
| Net loans and leases to total assets | 71.2647% | 1,608 |
| Net loans and leases to deposits | 82.4419% | 1,945 |
| Net loans and leases to core deposits | 84.6051% | 2,478 |
| Total domestic deposits to total assets | 86.4423% | 3,132 |
| Equity capital to assets | 12.6619% | 1,605 |
| Core capital (leverage) ratio | 8.7743% | 5,221 |
| Tier 1 risk-based capital ratio | 10.9757% | 6,356 |
| Total risk-based capital ratio | 12.9495% | 5,923 |
| Memoranda: | ||
| Average total assets | $120,894,200 | 4,346 |
| Average earning assets | $104,515,800 | 4,481 |
| Average equity | $15,313,200 | 3,892 |
| Average total loans | $91,818,600 | 3,700 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2653% | 1,072 |
| Cost of funding earning assets | 0.8539% | 2,510 |
| Net interest margin | 4.4114% | 1,181 |
| Noninterest income to average assets | 0.0496% | 6,807 |
| Noninterest expense to average assets | 3.0192% | 3,170 |
| Loan and lease loss provision to assets | 0.8644% | 528 |
| Net operating income to assets | -0.0305% | 6,321 |
| Return on assets (ROA) | -0.0275% | 6,438 |
| Pretax return on assets | -0.0308% | 6,425 |
| Return on Equity (ROE) | -0.2173% | 6,432 |
| Retained earnings to average equity (ytd only) | -0.2173% | 6,123 |
| Net charge-offs to loans | 1.3860% | 652 |
| Credit loss provision to net charge-offs | 81.1789% | 3,587 |
| Earnings coverage of net charge-offs (x) | 0.7797% | 4,938 |
| Efficiency ratio | 78.4325% | 2,334 |
| Assets per employee ($millions) | 4.9964% | 2,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4319% | 4,233 |
| Loan loss allowance to noncurrent loans | 25.2745% | 6,333 |
| Noncurrent assets plus other real estate owned to assets | 7.9608% | 394 |
| Noncurrent loans to loans | 5.6656% | 750 |
| Net loans and leases to total assets | 72.6735% | 1,440 |
| Net loans and leases to deposits | 84.4167% | 1,815 |
| Net loans and leases to core deposits | 86.3771% | 2,418 |
| Total domestic deposits to total assets | 86.0891% | 3,203 |
| Equity capital to assets | 12.7884% | 1,717 |
| Core capital (leverage) ratio | 8.9723% | 5,104 |
| Tier 1 risk-based capital ratio | 10.6619% | 6,611 |
| Total risk-based capital ratio | 12.6007% | 6,290 |
| Memoranda: | ||
| Average total assets | $121,086,750 | 4,374 |
| Average earning assets | $104,302,750 | 4,533 |
| Average equity | $15,339,000 | 3,923 |
| Average total loans | $93,021,500 | 3,713 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3392% | 976 |
| Cost of funding earning assets | 0.8708% | 2,654 |
| Net interest margin | 4.4683% | 1,048 |
| Noninterest income to average assets | 0.0988% | 6,680 |
| Noninterest expense to average assets | 3.0228% | 3,175 |
| Loan and lease loss provision to assets | 1.0504% | 414 |
| Net operating income to assets | -0.0743% | 6,406 |
| Return on assets (ROA) | -0.0708% | 6,517 |
| Pretax return on assets | -0.1004% | 6,521 |
| Return on Equity (ROE) | -0.5606% | 6,510 |
| Retained earnings to average equity (ytd only) | -0.5606% | 6,140 |
| Net charge-offs to loans | 0.3278% | 2,718 |
| Credit loss provision to net charge-offs | 411.6129% | 717 |
| Earnings coverage of net charge-offs (x) | 3.7032% | 3,299 |
| Efficiency ratio | 76.1826% | 2,712 |
| Assets per employee ($millions) | 5.2653% | 1,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0638% | 2,068 |
| Loan loss allowance to noncurrent loans | 23.2707% | 6,427 |
| Noncurrent assets plus other real estate owned to assets | 8.1841% | 413 |
| Noncurrent loans to loans | 8.8685% | 351 |
| Net loans and leases to total assets | 75.6691% | 1,009 |
| Net loans and leases to deposits | 88.5329% | 1,317 |
| Net loans and leases to core deposits | 91.2800% | 1,843 |
| Total domestic deposits to total assets | 85.4700% | 3,625 |
| Equity capital to assets | 12.6275% | 1,736 |
| Core capital (leverage) ratio | 8.9437% | 4,989 |
| Tier 1 risk-based capital ratio | 10.5142% | 6,687 |
| Total risk-based capital ratio | 12.4535% | 6,381 |
| Memoranda: | ||
| Average total assets | $121,478,000 | 4,391 |
| Average earning assets | $105,185,000 | 4,530 |
| Average equity | $15,340,330 | 3,919 |
| Average total loans | $94,558,330 | 3,703 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4159% | 887 |
| Cost of funding earning assets | 0.8722% | 2,897 |
| Net interest margin | 4.5437% | 934 |
| Noninterest income to average assets | 0.1249% | 6,626 |
| Noninterest expense to average assets | 2.9753% | 3,358 |
| Loan and lease loss provision to assets | 0.6082% | 937 |
| Net operating income to assets | 0.2860% | 5,701 |
| Return on assets (ROA) | 0.2860% | 5,869 |
| Pretax return on assets | 0.4636% | 5,546 |
| Return on Equity (ROE) | 2.2650% | 5,981 |
| Retained earnings to average equity (ytd only) | 2.2650% | 5,122 |
| Net charge-offs to loans | 0.2819% | 2,541 |
| Credit loss provision to net charge-offs | 276.1194% | 1,058 |
| Earnings coverage of net charge-offs (x) | 4.8657% | 2,488 |
| Efficiency ratio | 73.5175% | 3,176 |
| Assets per employee ($millions) | 5.0585% | 2,184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6363% | 3,593 |
| Loan loss allowance to noncurrent loans | 21.3798% | 6,519 |
| Noncurrent assets plus other real estate owned to assets | 7.0368% | 606 |
| Noncurrent loans to loans | 7.6535% | 535 |
| Net loans and leases to total assets | 77.4909% | 637 |
| Net loans and leases to deposits | 90.6181% | 908 |
| Net loans and leases to core deposits | 94.4321% | 1,426 |
| Total domestic deposits to total assets | 85.5137% | 3,782 |
| Equity capital to assets | 12.6948% | 1,597 |
| Core capital (leverage) ratio | 8.8626% | 5,045 |
| Tier 1 risk-based capital ratio | 10.4755% | 6,747 |
| Total risk-based capital ratio | 12.3957% | 6,457 |
| Memoranda: | ||
| Average total assets | $121,666,500 | 4,417 |
| Average earning assets | $105,024,000 | 4,570 |
| Average equity | $15,364,500 | 3,919 |
| Average total loans | $95,054,000 | 3,710 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5661% | 1,024 |
| Cost of funding earning assets | 1.0983% | 2,688 |
| Net interest margin | 4.4679% | 1,213 |
| Noninterest income to average assets | -0.4203% | 7,243 |
| Noninterest expense to average assets | 3.4628% | 2,083 |
| Loan and lease loss provision to assets | 0.7743% | 1,288 |
| Net operating income to assets | -0.4963% | 6,486 |
| Return on assets (ROA) | -0.4873% | 6,531 |
| Pretax return on assets | -0.7704% | 6,632 |
| Return on Equity (ROE) | -4.0207% | 6,472 |
| Retained earnings to average equity (ytd only) | -4.0207% | 6,373 |
| Net charge-offs to loans | 1.8410% | 790 |
| Credit loss provision to net charge-offs | 54.1735% | 5,314 |
| Earnings coverage of net charge-offs (x) | -0.0071% | 5,832 |
| Efficiency ratio | 100.2936% | 661 |
| Assets per employee ($millions) | 4.5159% | 2,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5328% | 3,869 |
| Loan loss allowance to noncurrent loans | 30.9336% | 6,136 |
| Noncurrent assets plus other real estate owned to assets | 5.0685% | 1,050 |
| Noncurrent loans to loans | 4.9552% | 1,142 |
| Net loans and leases to total assets | 76.2887% | 911 |
| Net loans and leases to deposits | 94.2183% | 799 |
| Net loans and leases to core deposits | 96.7426% | 1,435 |
| Total domestic deposits to total assets | 80.9701% | 5,458 |
| Equity capital to assets | 12.5622% | 1,766 |
| Core capital (leverage) ratio | 8.8188% | 5,069 |
| Tier 1 risk-based capital ratio | 10.2972% | 6,771 |
| Total risk-based capital ratio | 12.2132% | 6,452 |
| Memoranda: | ||
| Average total assets | $128,249,800 | 4,211 |
| Average earning assets | $111,172,000 | 4,368 |
| Average equity | $15,544,400 | 3,806 |
| Average total loans | $99,564,000 | 3,631 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5590% | 1,119 |
| Cost of funding earning assets | 1.1572% | 2,588 |
| Net interest margin | 4.4018% | 1,404 |
| Noninterest income to average assets | -0.5905% | 7,365 |
| Noninterest expense to average assets | 3.4845% | 1,980 |
| Loan and lease loss provision to assets | 0.8965% | 999 |
| Net operating income to assets | -0.7266% | 6,768 |
| Return on assets (ROA) | -0.7148% | 6,795 |
| Pretax return on assets | -1.1327% | 6,918 |
| Return on Equity (ROE) | -5.9481% | 6,715 |
| Retained earnings to average equity (ytd only) | -5.9481% | 6,642 |
| Net charge-offs to loans | 1.6938% | 816 |
| Credit loss provision to net charge-offs | 68.1499% | 4,541 |
| Earnings coverage of net charge-offs (x) | -0.1936% | 5,715 |
| Efficiency ratio | 107.8855% | 465 |
| Assets per employee ($millions) | 4.6008% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9375% | 2,511 |
| Loan loss allowance to noncurrent loans | 31.6979% | 6,153 |
| Noncurrent assets plus other real estate owned to assets | 5.9233% | 910 |
| Noncurrent loans to loans | 6.1125% | 898 |
| Net loans and leases to total assets | 76.5982% | 895 |
| Net loans and leases to deposits | 92.7633% | 942 |
| Net loans and leases to core deposits | 95.6176% | 1,643 |
| Total domestic deposits to total assets | 82.5738% | 4,847 |
| Equity capital to assets | 12.2870% | 2,030 |
| Core capital (leverage) ratio | 8.4811% | 5,737 |
| Tier 1 risk-based capital ratio | 9.9938% | 6,958 |
| Total risk-based capital ratio | 11.8949% | 6,709 |
| Memoranda: | ||
| Average total assets | $129,830,000 | 4,200 |
| Average earning assets | $112,679,250 | 4,341 |
| Average equity | $15,601,250 | 3,803 |
| Average total loans | $100,838,500 | 3,628 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5760% | 1,118 |
| Cost of funding earning assets | 1.2364% | 2,348 |
| Net interest margin | 4.3396% | 1,537 |
| Noninterest income to average assets | -0.3933% | 7,405 |
| Noninterest expense to average assets | 3.5581% | 1,843 |
| Loan and lease loss provision to assets | 0.6044% | 1,596 |
| Net operating income to assets | -0.5143% | 6,702 |
| Return on assets (ROA) | -0.4738% | 6,693 |
| Pretax return on assets | -0.7304% | 6,789 |
| Return on Equity (ROE) | -3.9710% | 6,645 |
| Retained earnings to average equity (ytd only) | -3.9710% | 6,469 |
| Net charge-offs to loans | 1.2203% | 1,283 |
| Credit loss provision to net charge-offs | 63.8844% | 4,235 |
| Earnings coverage of net charge-offs (x) | -0.1990% | 5,403 |
| Efficiency ratio | 105.5881% | 566 |
| Assets per employee ($millions) | 4.6962% | 2,548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0423% | 2,254 |
| Loan loss allowance to noncurrent loans | 25.1892% | 6,515 |
| Noncurrent assets plus other real estate owned to assets | 7.8858% | 601 |
| Noncurrent loans to loans | 8.1079% | 554 |
| Net loans and leases to total assets | 78.0760% | 768 |
| Net loans and leases to deposits | 95.3554% | 774 |
| Net loans and leases to core deposits | 98.7787% | 1,446 |
| Total domestic deposits to total assets | 81.8789% | 5,209 |
| Equity capital to assets | 12.3394% | 1,879 |
| Core capital (leverage) ratio | 8.6768% | 5,261 |
| Tier 1 risk-based capital ratio | 10.1159% | 6,945 |
| Total risk-based capital ratio | 11.9864% | 6,679 |
| Memoranda: | ||
| Average total assets | $131,699,670 | 4,191 |
| Average earning assets | $114,203,000 | 4,328 |
| Average equity | $15,714,000 | 3,781 |
| Average total loans | $102,107,670 | 3,625 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6290% | 1,009 |
| Cost of funding earning assets | 1.3016% | 2,159 |
| Net interest margin | 4.3274% | 1,478 |
| Noninterest income to average assets | 0.0477% | 7,146 |
| Noninterest expense to average assets | 3.4946% | 2,014 |
| Loan and lease loss provision to assets | 0.2296% | 3,355 |
| Net operating income to assets | 0.0358% | 6,268 |
| Return on assets (ROA) | 0.0358% | 6,303 |
| Pretax return on assets | 0.0805% | 6,217 |
| Return on Equity (ROE) | 0.3048% | 6,306 |
| Retained earnings to average equity (ytd only) | 0.3048% | 5,683 |
| Net charge-offs to loans | 1.0172% | 1,341 |
| Credit loss provision to net charge-offs | 29.5019% | 4,130 |
| Earnings coverage of net charge-offs (x) | 0.3985% | 4,322 |
| Efficiency ratio | 91.8495% | 1,177 |
| Assets per employee ($millions) | 4.1766% | 3,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0725% | 2,242 |
| Loan loss allowance to noncurrent loans | 24.2704% | 6,589 |
| Noncurrent assets plus other real estate owned to assets | 8.1316% | 578 |
| Noncurrent loans to loans | 8.5391% | 544 |
| Net loans and leases to total assets | 74.3855% | 1,285 |
| Net loans and leases to deposits | 89.8717% | 1,244 |
| Net loans and leases to core deposits | 93.4643% | 1,959 |
| Total domestic deposits to total assets | 82.7686% | 5,005 |
| Equity capital to assets | 11.8540% | 2,009 |
| Core capital (leverage) ratio | 8.1642% | 6,025 |
| Tier 1 risk-based capital ratio | 9.7572% | 7,073 |
| Total risk-based capital ratio | 12.2167% | 6,506 |
| Memoranda: | ||
| Average total assets | $134,151,000 | 4,170 |
| Average earning assets | $116,468,500 | 4,289 |
| Average equity | $15,748,000 | 3,761 |
| Average total loans | $102,630,500 | 3,651 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4491% | 2,480 |
| Cost of funding earning assets | 1.5732% | 2,227 |
| Net interest margin | 3.8759% | 3,606 |
| Noninterest income to average assets | -0.1287% | 7,417 |
| Noninterest expense to average assets | 3.3014% | 2,735 |
| Loan and lease loss provision to assets | 0.6460% | 2,554 |
| Net operating income to assets | -0.4706% | 6,370 |
| Return on assets (ROA) | -0.3855% | 6,327 |
| Pretax return on assets | -0.5933% | 6,395 |
| Return on Equity (ROE) | -3.4228% | 6,317 |
| Retained earnings to average equity (ytd only) | -3.4228% | 6,148 |
| Net charge-offs to loans | 0.8854% | 2,420 |
| Credit loss provision to net charge-offs | 98.6207% | 4,691 |
| Earnings coverage of net charge-offs (x) | -0.1195% | 6,238 |
| Efficiency ratio | 102.4293% | 708 |
| Assets per employee ($millions) | 4.3436% | 3,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2055% | 1,856 |
| Loan loss allowance to noncurrent loans | 26.9843% | 6,487 |
| Noncurrent assets plus other real estate owned to assets | 7.9301% | 629 |
| Noncurrent loans to loans | 8.1733% | 623 |
| Net loans and leases to total assets | 75.3444% | 1,406 |
| Net loans and leases to deposits | 92.4350% | 1,217 |
| Net loans and leases to core deposits | 96.1275% | 2,000 |
| Total domestic deposits to total assets | 81.5107% | 5,352 |
| Equity capital to assets | 11.6249% | 2,173 |
| Core capital (leverage) ratio | 6.6541% | 7,156 |
| Tier 1 risk-based capital ratio | 7.8386% | 7,358 |
| Total risk-based capital ratio | 11.7830% | 6,656 |
| Memoranda: | ||
| Average total assets | $132,821,200 | 4,205 |
| Average earning assets | $114,863,600 | 4,347 |
| Average equity | $14,958,400 | 3,947 |
| Average total loans | $98,262,200 | 3,847 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4355% | 2,718 |
| Cost of funding earning assets | 1.6147% | 2,307 |
| Net interest margin | 3.8208% | 3,882 |
| Noninterest income to average assets | 0.2186% | 6,346 |
| Noninterest expense to average assets | 3.2415% | 2,773 |
| Loan and lease loss provision to assets | 0.1088% | 5,945 |
| Net operating income to assets | 0.1479% | 5,646 |
| Return on assets (ROA) | 0.2115% | 5,637 |
| Pretax return on assets | 0.2387% | 5,644 |
| Return on Equity (ROE) | 1.8938% | 5,647 |
| Retained earnings to average equity (ytd only) | 1.8938% | 5,013 |
| Net charge-offs to loans | 0.9522% | 2,091 |
| Credit loss provision to net charge-offs | 15.6069% | 6,290 |
| Earnings coverage of net charge-offs (x) | 0.3960% | 5,630 |
| Efficiency ratio | 92.1535% | 1,119 |
| Assets per employee ($millions) | 4.9995% | 2,181 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7584% | 2,942 |
| Loan loss allowance to noncurrent loans | 25.9444% | 6,576 |
| Noncurrent assets plus other real estate owned to assets | 7.1214% | 754 |
| Noncurrent loans to loans | 6.7776% | 858 |
| Net loans and leases to total assets | 68.5264% | 3,087 |
| Net loans and leases to deposits | 83.7229% | 2,751 |
| Net loans and leases to core deposits | 86.9015% | 3,532 |
| Total domestic deposits to total assets | 81.8490% | 5,056 |
| Equity capital to assets | 11.9147% | 2,214 |
| Core capital (leverage) ratio | 7.8319% | 6,541 |
| Tier 1 risk-based capital ratio | 9.1575% | 7,334 |
| Total risk-based capital ratio | 13.1811% | 5,502 |
| Memoranda: | ||
| Average total assets | $132,363,750 | 4,269 |
| Average earning assets | $114,283,750 | 4,420 |
| Average equity | $14,784,750 | 4,037 |
| Average total loans | $96,892,750 | 3,947 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4990% | 2,520 |
| Cost of funding earning assets | 1.6795% | 2,227 |
| Net interest margin | 3.8195% | 3,812 |
| Noninterest income to average assets | 0.2157% | 6,378 |
| Noninterest expense to average assets | 3.2891% | 2,591 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.2084% | 5,532 |
| Return on assets (ROA) | 0.3112% | 5,291 |
| Pretax return on assets | 0.3328% | 5,413 |
| Return on Equity (ROE) | 2.8545% | 5,306 |
| Retained earnings to average equity (ytd only) | 1.4131% | 5,167 |
| Net charge-offs to loans | 0.6084% | 2,708 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 0.4932% | 5,231 |
| Efficiency ratio | 93.6404% | 1,083 |
| Assets per employee ($millions) | 4.7105% | 2,568 |
| Cash dividends to net income (ytd only)* | 50.4950% | 1,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2356% | 1,697 |
| Loan loss allowance to noncurrent loans | 27.1400% | 6,539 |
| Noncurrent assets plus other real estate owned to assets | 7.2218% | 716 |
| Noncurrent loans to loans | 8.2373% | 621 |
| Net loans and leases to total assets | 66.5449% | 3,728 |
| Net loans and leases to deposits | 82.3819% | 3,204 |
| Net loans and leases to core deposits | 85.8551% | 3,858 |
| Total domestic deposits to total assets | 80.7761% | 5,481 |
| Equity capital to assets | 12.3426% | 1,900 |
| Core capital (leverage) ratio | 7.8431% | 6,449 |
| Tier 1 risk-based capital ratio | 9.7848% | 7,145 |
| Total risk-based capital ratio | 13.9995% | 4,614 |
| Memoranda: | ||
| Average total assets | $129,822,670 | 4,360 |
| Average earning assets | $112,057,000 | 4,507 |
| Average equity | $14,153,330 | 4,167 |
| Average total loans | $96,642,000 | 3,993 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7665% | 1,568 |
| Cost of funding earning assets | 1.7588% | 2,082 |
| Net interest margin | 4.0077% | 2,844 |
| Noninterest income to average assets | 0.2174% | 6,405 |
| Noninterest expense to average assets | 3.3730% | 2,307 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.2982% | 5,307 |
| Return on assets (ROA) | 0.5187% | 4,440 |
| Pretax return on assets | 0.5187% | 4,899 |
| Return on Equity (ROE) | 5.1029% | 4,311 |
| Retained earnings to average equity (ytd only) | 4.1557% | 3,654 |
| Net charge-offs to loans | 1.1152% | 1,508 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 0.3441% | 4,730 |
| Efficiency ratio | 91.8782% | 1,283 |
| Assets per employee ($millions) | 4.5260% | 2,908 |
| Cash dividends to net income (ytd only)* | 18.5629% | 2,256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0528% | 2,053 |
| Loan loss allowance to noncurrent loans | 22.8387% | 6,862 |
| Noncurrent assets plus other real estate owned to assets | 7.6337% | 658 |
| Noncurrent loans to loans | 8.9880% | 540 |
| Net loans and leases to total assets | 76.0943% | 1,526 |
| Net loans and leases to deposits | 95.4139% | 1,179 |
| Net loans and leases to core deposits | 100.3622% | 2,091 |
| Total domestic deposits to total assets | 79.7517% | 5,870 |
| Equity capital to assets | 11.8822% | 2,116 |
| Core capital (leverage) ratio | 7.2160% | 7,100 |
| Tier 1 risk-based capital ratio | 8.5173% | 7,559 |
| Total risk-based capital ratio | 11.9709% | 6,409 |
| Memoranda: | ||
| Average total assets | $128,787,500 | 4,443 |
| Average earning assets | $110,985,500 | 4,582 |
| Average equity | $13,090,500 | 4,457 |
| Average total loans | $100,075,500 | 3,959 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7459% | 2,880 |
| Cost of funding earning assets | 2.3324% | 1,521 |
| Net interest margin | 3.4135% | 5,319 |
| Noninterest income to average assets | 0.2270% | 6,492 |
| Noninterest expense to average assets | 3.6827% | 1,945 |
| Loan and lease loss provision to assets | 1.5738% | 1,459 |
| Net operating income to assets | -1.3110% | 6,767 |
| Return on assets (ROA) | -1.2287% | 6,726 |
| Pretax return on assets | -1.9270% | 6,909 |
| Return on Equity (ROE) | -13.0029% | 6,829 |
| Retained earnings to average equity (ytd only) | -13.0029% | 6,755 |
| Net charge-offs to loans | 1.6463% | 1,539 |
| Credit loss provision to net charge-offs | 124.5944% | 4,213 |
| Earnings coverage of net charge-offs (x) | -0.3816% | 6,611 |
| Efficiency ratio | 115.0576% | 685 |
| Assets per employee ($millions) | 4.8462% | 2,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2626% | 1,547 |
| Loan loss allowance to noncurrent loans | 29.7517% | 6,485 |
| Noncurrent assets plus other real estate owned to assets | 6.5419% | 831 |
| Noncurrent loans to loans | 7.6049% | 687 |
| Net loans and leases to total assets | 75.9637% | 1,809 |
| Net loans and leases to deposits | 92.6675% | 1,792 |
| Net loans and leases to core deposits | 108.2614% | 3,078 |
| Total domestic deposits to total assets | 81.9745% | 4,958 |
| Equity capital to assets | 8.5007% | 5,877 |
| Core capital (leverage) ratio | 5.9469% | 7,641 |
| Tier 1 risk-based capital ratio | 6.8629% | 7,762 |
| Total risk-based capital ratio | 8.1433% | 7,764 |
| Memoranda: | ||
| Average total assets | $122,001,400 | 4,513 |
| Average earning assets | $106,284,600 | 4,674 |
| Average equity | $11,528,200 | 4,868 |
| Average total loans | $93,604,400 | 4,116 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6101% | 3,807 |
| Cost of funding earning assets | 2.3622% | 1,763 |
| Net interest margin | 3.2479% | 5,844 |
| Noninterest income to average assets | 0.2471% | 6,469 |
| Noninterest expense to average assets | 3.7454% | 1,714 |
| Loan and lease loss provision to assets | 1.5805% | 1,199 |
| Net operating income to assets | -1.4213% | 7,072 |
| Return on assets (ROA) | -1.4213% | 7,066 |
| Pretax return on assets | -2.2339% | 7,259 |
| Return on Equity (ROE) | -14.6405% | 7,170 |
| Retained earnings to average equity (ytd only) | -14.6405% | 7,111 |
| Net charge-offs to loans | 0.5663% | 2,989 |
| Credit loss provision to net charge-offs | 365.0386% | 1,113 |
| Earnings coverage of net charge-offs (x) | -1.5090% | 6,700 |
| Efficiency ratio | 121.1303% | 572 |
| Assets per employee ($millions) | 4.1422% | 3,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8157% | 777 |
| Loan loss allowance to noncurrent loans | 39.1149% | 5,750 |
| Noncurrent assets plus other real estate owned to assets | 5.9279% | 919 |
| Noncurrent loans to loans | 7.1985% | 736 |
| Net loans and leases to total assets | 79.3472% | 1,315 |
| Net loans and leases to deposits | 95.5027% | 1,646 |
| Net loans and leases to core deposits | 115.9345% | 2,630 |
| Total domestic deposits to total assets | 83.0837% | 4,181 |
| Equity capital to assets | 8.8584% | 5,694 |
| Core capital (leverage) ratio | 6.4080% | 7,701 |
| Tier 1 risk-based capital ratio | 7.0766% | 7,888 |
| Total risk-based capital ratio | 8.3261% | 7,892 |
| Memoranda: | ||
| Average total assets | $119,789,750 | 4,601 |
| Average earning assets | $104,926,500 | 4,739 |
| Average equity | $11,629,500 | 4,890 |
| Average total loans | $91,581,000 | 4,207 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6266% | 3,932 |
| Cost of funding earning assets | 2.4290% | 1,853 |
| Net interest margin | 3.1975% | 5,924 |
| Noninterest income to average assets | 0.2788% | 6,270 |
| Noninterest expense to average assets | 3.8694% | 1,541 |
| Loan and lease loss provision to assets | 0.3780% | 3,658 |
| Net operating income to assets | -0.7646% | 6,805 |
| Return on assets (ROA) | -0.7646% | 6,811 |
| Pretax return on assets | -1.1786% | 6,922 |
| Return on Equity (ROE) | -7.6317% | 6,865 |
| Retained earnings to average equity (ytd only) | -7.6317% | 6,628 |
| Net charge-offs to loans | 0.3189% | 3,591 |
| Credit loss provision to net charge-offs | 158.9928% | 2,892 |
| Earnings coverage of net charge-offs (x) | -3.3669% | 6,418 |
| Efficiency ratio | 126.0870% | 570 |
| Assets per employee ($millions) | 3.3253% | 5,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1068% | 1,380 |
| Loan loss allowance to noncurrent loans | 46.7445% | 5,245 |
| Noncurrent assets plus other real estate owned to assets | 3.4757% | 1,793 |
| Noncurrent loans to loans | 4.5071% | 1,426 |
| Net loans and leases to total assets | 73.6535% | 2,800 |
| Net loans and leases to deposits | 90.6064% | 2,732 |
| Net loans and leases to core deposits | 129.9225% | 1,569 |
| Total domestic deposits to total assets | 81.2895% | 4,963 |
| Equity capital to assets | 9.2987% | 4,873 |
| Core capital (leverage) ratio | 7.3513% | 7,190 |
| Tier 1 risk-based capital ratio | 8.3732% | 7,865 |
| Total risk-based capital ratio | 9.6325% | 7,895 |
| Memoranda: | ||
| Average total assets | $116,916,670 | 4,710 |
| Average earning assets | $102,015,670 | 4,840 |
| Average equity | $11,714,330 | 4,888 |
| Average total loans | $87,161,000 | 4,354 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8344% | 3,122 |
| Cost of funding earning assets | 2.5295% | 1,803 |
| Net interest margin | 3.3049% | 5,481 |
| Noninterest income to average assets | 0.0749% | 7,677 |
| Noninterest expense to average assets | 3.8683% | 1,351 |
| Loan and lease loss provision to assets | 0.2282% | 4,165 |
| Net operating income to assets | -0.7523% | 7,100 |
| Return on assets (ROA) | -0.7523% | 7,134 |
| Pretax return on assets | -1.1801% | 7,246 |
| Return on Equity (ROE) | -7.2158% | 7,166 |
| Retained earnings to average equity (ytd only) | -7.2158% | 6,817 |
| Net charge-offs to loans | 0.1250% | 3,967 |
| Credit loss provision to net charge-offs | 246.1538% | 1,902 |
| Earnings coverage of net charge-offs (x) | -10.2692% | 5,622 |
| Efficiency ratio | 132.6406% | 482 |
| Assets per employee ($millions) | 3.2865% | 5,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3483% | 897 |
| Loan loss allowance to noncurrent loans | 73.7952% | 3,925 |
| Noncurrent assets plus other real estate owned to assets | 2.6573% | 2,159 |
| Noncurrent loans to loans | 3.1822% | 2,037 |
| Net loans and leases to total assets | 68.8870% | 3,944 |
| Net loans and leases to deposits | 85.0469% | 3,811 |
| Net loans and leases to core deposits | 126.8134% | 1,858 |
| Total domestic deposits to total assets | 80.9989% | 4,968 |
| Equity capital to assets | 9.7715% | 4,279 |
| Core capital (leverage) ratio | 7.6011% | 7,026 |
| Tier 1 risk-based capital ratio | 9.1579% | 7,701 |
| Total risk-based capital ratio | 10.4166% | 7,695 |
| Memoranda: | ||
| Average total assets | $112,194,000 | 4,849 |
| Average earning assets | $96,463,000 | 5,015 |
| Average equity | $11,696,500 | 4,922 |
| Average total loans | $83,205,000 | 4,523 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3105% | 3,906 |
| Cost of funding earning assets | 2.7191% | 3,069 |
| Net interest margin | 3.5914% | 4,925 |
| Noninterest income to average assets | -0.0038% | 8,155 |
| Noninterest expense to average assets | 3.8846% | 1,590 |
| Loan and lease loss provision to assets | 2.4815% | 423 |
| Net operating income to assets | -2.0254% | 7,608 |
| Return on assets (ROA) | -2.0254% | 7,570 |
| Pretax return on assets | -3.2268% | 7,768 |
| Return on Equity (ROE) | -16.0771% | 7,629 |
| Retained earnings to average equity (ytd only) | -16.0771% | 7,521 |
| Net charge-offs to loans | 1.8009% | 610 |
| Credit loss provision to net charge-offs | 191.5493% | 2,564 |
| Earnings coverage of net charge-offs (x) | -0.5752% | 6,503 |
| Efficiency ratio | 123.7381% | 534 |
| Assets per employee ($millions) | 3.1198% | 5,718 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3159% | 836 |
| Loan loss allowance to noncurrent loans | 65.1849% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 3.4306% | 1,299 |
| Noncurrent loans to loans | 3.5529% | 1,427 |
| Net loans and leases to total assets | 76.3863% | 2,524 |
| Net loans and leases to deposits | 94.9817% | 2,615 |
| Net loans and leases to core deposits | 148.7971% | 898 |
| Total domestic deposits to total assets | 80.4222% | 4,860 |
| Equity capital to assets | 11.1545% | 2,917 |
| Core capital (leverage) ratio | 8.7673% | 5,089 |
| Tier 1 risk-based capital ratio | 9.6256% | 7,179 |
| Total risk-based capital ratio | 10.8935% | 7,046 |
| Memoranda: | ||
| Average total assets | $104,129,200 | 4,928 |
| Average earning assets | $91,133,800 | 5,048 |
| Average equity | $13,118,000 | 4,537 |
| Average total loans | $74,907,400 | 4,695 |