Home > Regent Bank > Performance and Condition Ratios
Regent Bank, Performance and Condition Ratios
| 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 | 4.6730% | 1,111 |
| Cost of funding earning assets | 0.3771% | 3,280 |
| Net interest margin | 4.2959% | 932 |
| Noninterest income to average assets | 0.7090% | 2,102 |
| Noninterest expense to average assets | 4.3847% | 422 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0535% | 2,154 |
| Return on assets (ROA) | 1.0402% | 2,345 |
| Pretax return on assets | 0.1278% | 5,691 |
| Return on Equity (ROE) | 9.4792% | 2,282 |
| Retained earnings to average equity (ytd only) | 9.4792% | 725 |
| Net charge-offs to loans | -0.0332% | 5,175 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8815% | 317 |
| Assets per employee ($millions) | 4.2798% | 3,405 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4524% | 384 |
| Loan loss allowance to noncurrent loans | 93.0492% | 3,861 |
| Noncurrent assets plus other real estate owned to assets | 3.5227% | 301 |
| Noncurrent loans to loans | 2.6356% | 635 |
| Net loans and leases to total assets | 78.5018% | 1,136 |
| Net loans and leases to deposits | 92.0649% | 1,506 |
| Net loans and leases to core deposits | 99.5267% | 1,669 |
| Total domestic deposits to total assets | 85.2679% | 2,748 |
| Equity capital to assets | 11.2476% | 2,800 |
| Core capital (leverage) ratio | 11.2161% | 2,218 |
| Tier 1 risk-based capital ratio | 13.5879% | 3,843 |
| Total risk-based capital ratio | 14.8517% | 3,758 |
| Memoranda: | ||
| Average total assets | $359,934,670 | 1,862 |
| Average earning assets | $319,797,000 | 1,932 |
| Average equity | $39,497,000 | 1,879 |
| Average total loans | $283,228,670 | 1,601 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6134% | 1,228 |
| Cost of funding earning assets | 0.3795% | 3,302 |
| Net interest margin | 4.2339% | 1,027 |
| Noninterest income to average assets | 0.8197% | 1,559 |
| Noninterest expense to average assets | 5.0212% | 267 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3665% | 1,101 |
| Return on assets (ROA) | 1.3494% | 1,206 |
| Pretax return on assets | -0.4742% | 5,955 |
| Return on Equity (ROE) | 12.4526% | 1,169 |
| Retained earnings to average equity (ytd only) | 12.4526% | 444 |
| Net charge-offs to loans | -0.0457% | 5,281 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 109.7863% | 159 |
| Assets per employee ($millions) | 3.8907% | 4,136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4714% | 400 |
| Loan loss allowance to noncurrent loans | 92.3077% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 3.5505% | 311 |
| Noncurrent loans to loans | 2.6773% | 669 |
| Net loans and leases to total assets | 78.0566% | 1,092 |
| Net loans and leases to deposits | 92.8863% | 1,238 |
| Net loans and leases to core deposits | 99.6334% | 1,513 |
| Total domestic deposits to total assets | 84.0346% | 3,505 |
| Equity capital to assets | 11.0851% | 2,842 |
| Core capital (leverage) ratio | 11.2456% | 2,189 |
| Tier 1 risk-based capital ratio | 13.5363% | 3,957 |
| Total risk-based capital ratio | 14.8008% | 3,878 |
| Memoranda: | ||
| Average total assets | $360,152,000 | 1,863 |
| Average earning assets | $319,330,500 | 1,938 |
| Average equity | $39,028,000 | 1,892 |
| Average total loans | $280,188,500 | 1,617 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2818% | 2,277 |
| Cost of funding earning assets | 0.4128% | 3,024 |
| Net interest margin | 3.8690% | 2,137 |
| Noninterest income to average assets | 0.6220% | 2,608 |
| Noninterest expense to average assets | 3.5537% | 1,204 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8411% | 3,151 |
| Return on assets (ROA) | 0.8536% | 3,164 |
| Pretax return on assets | 0.5383% | 5,022 |
| Return on Equity (ROE) | 8.2379% | 2,823 |
| Retained earnings to average equity (ytd only) | 8.2379% | 840 |
| Net charge-offs to loans | 0.0563% | 3,093 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 12.2715% | 2,482 |
| Efficiency ratio | 87.1105% | 898 |
| Assets per employee ($millions) | 3.8549% | 4,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5732% | 365 |
| Loan loss allowance to noncurrent loans | 81.4045% | 4,113 |
| Noncurrent assets plus other real estate owned to assets | 3.7126% | 299 |
| Noncurrent loans to loans | 3.1611% | 487 |
| Net loans and leases to total assets | 73.6422% | 1,786 |
| Net loans and leases to deposits | 91.0632% | 1,497 |
| Net loans and leases to core deposits | 98.6948% | 1,618 |
| Total domestic deposits to total assets | 80.8694% | 4,519 |
| Equity capital to assets | 10.5910% | 3,263 |
| Core capital (leverage) ratio | 10.9216% | 2,474 |
| Tier 1 risk-based capital ratio | 13.4394% | 4,036 |
| Total risk-based capital ratio | 14.7044% | 3,968 |
| Memoranda: | ||
| Average total assets | $352,393,800 | 1,856 |
| Average earning assets | $314,915,600 | 1,923 |
| Average equity | $36,514,200 | 1,953 |
| Average total loans | $268,350,000 | 1,624 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2636% | 2,354 |
| Cost of funding earning assets | 0.4162% | 3,052 |
| Net interest margin | 3.8474% | 2,203 |
| Noninterest income to average assets | 0.6421% | 2,519 |
| Noninterest expense to average assets | 3.5876% | 1,141 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5034% | 4,774 |
| Return on assets (ROA) | 0.5201% | 4,812 |
| Pretax return on assets | 0.5201% | 5,172 |
| Return on Equity (ROE) | 5.0486% | 4,605 |
| Retained earnings to average equity (ytd only) | 5.0486% | 2,880 |
| Net charge-offs to loans | 0.0085% | 3,869 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 77.6925% | 762 |
| Efficiency ratio | 87.6956% | 874 |
| Assets per employee ($millions) | 3.6308% | 4,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7105% | 335 |
| Loan loss allowance to noncurrent loans | 59.5325% | 4,706 |
| Noncurrent assets plus other real estate owned to assets | 4.9611% | 201 |
| Noncurrent loans to loans | 4.5530% | 238 |
| Net loans and leases to total assets | 74.7372% | 1,600 |
| Net loans and leases to deposits | 87.3047% | 1,991 |
| Net loans and leases to core deposits | 94.1956% | 2,058 |
| Total domestic deposits to total assets | 85.6050% | 2,734 |
| Equity capital to assets | 10.6634% | 3,395 |
| Core capital (leverage) ratio | 10.8367% | 2,662 |
| Tier 1 risk-based capital ratio | 13.3007% | 4,251 |
| Total risk-based capital ratio | 14.5674% | 4,170 |
| Memoranda: | ||
| Average total assets | $349,903,250 | 1,881 |
| Average earning assets | $313,654,750 | 1,941 |
| Average equity | $36,048,500 | 1,991 |
| Average total loans | $266,963,750 | 1,645 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2538% | 2,338 |
| Cost of funding earning assets | 0.4185% | 3,052 |
| Net interest margin | 3.8354% | 2,190 |
| Noninterest income to average assets | 0.6457% | 2,499 |
| Noninterest expense to average assets | 3.6022% | 1,123 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4847% | 4,833 |
| Return on assets (ROA) | 0.4978% | 4,883 |
| Pretax return on assets | 0.4978% | 5,234 |
| Return on Equity (ROE) | 4.8877% | 4,669 |
| Retained earnings to average equity (ytd only) | 4.8877% | 2,932 |
| Net charge-offs to loans | -0.0456% | 5,513 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1403% | 902 |
| Assets per employee ($millions) | 3.6573% | 4,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7021% | 376 |
| Loan loss allowance to noncurrent loans | 53.4216% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 5.1277% | 208 |
| Noncurrent loans to loans | 5.0580% | 223 |
| Net loans and leases to total assets | 75.2421% | 1,473 |
| Net loans and leases to deposits | 87.1602% | 1,922 |
| Net loans and leases to core deposits | 93.5652% | 2,001 |
| Total domestic deposits to total assets | 86.3261% | 2,516 |
| Equity capital to assets | 10.4411% | 3,507 |
| Core capital (leverage) ratio | 10.4915% | 2,971 |
| Tier 1 risk-based capital ratio | 13.1227% | 4,443 |
| Total risk-based capital ratio | 14.3896% | 4,350 |
| Memoranda: | ||
| Average total assets | $351,562,330 | 1,881 |
| Average earning assets | $315,433,000 | 1,948 |
| Average equity | $35,804,330 | 2,011 |
| Average total loans | $267,628,330 | 1,642 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1233% | 2,734 |
| Cost of funding earning assets | 0.4205% | 3,072 |
| Net interest margin | 3.7028% | 2,608 |
| Noninterest income to average assets | 0.6742% | 2,283 |
| Noninterest expense to average assets | 3.5824% | 1,160 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.4185% | 5,004 |
| Return on assets (ROA) | 0.4445% | 5,015 |
| Pretax return on assets | 0.4445% | 5,335 |
| Return on Equity (ROE) | 4.4197% | 4,797 |
| Retained earnings to average equity (ytd only) | 4.4197% | 3,376 |
| Net charge-offs to loans | -0.1063% | 5,877 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5392% | 885 |
| Assets per employee ($millions) | 3.7576% | 4,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6688% | 422 |
| Loan loss allowance to noncurrent loans | 53.8878% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 5.0458% | 242 |
| Noncurrent loans to loans | 4.9524% | 275 |
| Net loans and leases to total assets | 75.8716% | 1,227 |
| Net loans and leases to deposits | 87.6690% | 1,650 |
| Net loans and leases to core deposits | 94.7413% | 1,713 |
| Total domestic deposits to total assets | 86.5432% | 2,637 |
| Equity capital to assets | 10.2421% | 3,840 |
| Core capital (leverage) ratio | 10.3148% | 3,201 |
| Tier 1 risk-based capital ratio | 12.9244% | 4,648 |
| Total risk-based capital ratio | 14.1912% | 4,553 |
| Memoranda: | ||
| Average total assets | $353,621,500 | 1,881 |
| Average earning assets | $317,703,500 | 1,941 |
| Average equity | $35,568,000 | 2,031 |
| Average total loans | $267,100,500 | 1,641 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3985% | 2,229 |
| Cost of funding earning assets | 0.5010% | 2,670 |
| Net interest margin | 3.8975% | 2,252 |
| Noninterest income to average assets | 0.7706% | 1,989 |
| Noninterest expense to average assets | 3.8482% | 919 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.4313% | 5,105 |
| Return on assets (ROA) | 0.4313% | 5,192 |
| Pretax return on assets | 0.4313% | 5,418 |
| Return on Equity (ROE) | 5.4503% | 4,429 |
| Retained earnings to average equity (ytd only) | 5.4503% | 2,295 |
| Net charge-offs to loans | 0.9344% | 342 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.6070% | 4,606 |
| Efficiency ratio | 89.9211% | 843 |
| Assets per employee ($millions) | 3.9317% | 4,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7499% | 398 |
| Loan loss allowance to noncurrent loans | 52.0949% | 5,037 |
| Noncurrent assets plus other real estate owned to assets | 5.1064% | 264 |
| Noncurrent loans to loans | 5.2787% | 262 |
| Net loans and leases to total assets | 71.1579% | 2,051 |
| Net loans and leases to deposits | 87.4526% | 1,798 |
| Net loans and leases to core deposits | 95.4271% | 1,771 |
| Total domestic deposits to total assets | 81.3675% | 4,633 |
| Equity capital to assets | 9.8786% | 4,259 |
| Core capital (leverage) ratio | 10.0911% | 3,448 |
| Tier 1 risk-based capital ratio | 14.0522% | 4,051 |
| Total risk-based capital ratio | 15.3220% | 3,963 |
| Memoranda: | ||
| Average total assets | $355,175,000 | 1,837 |
| Average earning assets | $319,765,200 | 1,872 |
| Average equity | $28,108,800 | 2,400 |
| Average total loans | $270,106,800 | 1,576 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4766% | 1,962 |
| Cost of funding earning assets | 0.5190% | 2,573 |
| Net interest margin | 3.9576% | 2,006 |
| Noninterest income to average assets | 0.7804% | 1,967 |
| Noninterest expense to average assets | 3.9004% | 842 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4445% | 5,098 |
| Return on assets (ROA) | 0.4445% | 5,172 |
| Pretax return on assets | 0.4445% | 5,484 |
| Return on Equity (ROE) | 5.9922% | 4,241 |
| Retained earnings to average equity (ytd only) | 5.9922% | 2,415 |
| Net charge-offs to loans | 0.9959% | 308 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.5814% | 4,355 |
| Efficiency ratio | 89.7689% | 857 |
| Assets per employee ($millions) | 3.7056% | 4,478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9553% | 377 |
| Loan loss allowance to noncurrent loans | 54.2237% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 5.4401% | 283 |
| Noncurrent loans to loans | 5.4502% | 296 |
| Net loans and leases to total assets | 71.7322% | 1,897 |
| Net loans and leases to deposits | 80.5167% | 2,615 |
| Net loans and leases to core deposits | 87.3746% | 2,494 |
| Total domestic deposits to total assets | 89.0898% | 1,185 |
| Equity capital to assets | 7.6609% | 6,268 |
| Core capital (leverage) ratio | 7.6955% | 6,218 |
| Tier 1 risk-based capital ratio | 10.7491% | 6,111 |
| Total risk-based capital ratio | 12.0215% | 6,051 |
| Memoranda: | ||
| Average total assets | $354,523,000 | 1,855 |
| Average earning assets | $319,312,250 | 1,881 |
| Average equity | $26,300,000 | 2,549 |
| Average total loans | $272,186,000 | 1,572 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5208% | 1,766 |
| Cost of funding earning assets | 0.5336% | 2,508 |
| Net interest margin | 3.9871% | 1,851 |
| Noninterest income to average assets | 0.8414% | 1,696 |
| Noninterest expense to average assets | 4.0473% | 723 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3940% | 5,247 |
| Return on assets (ROA) | 0.3940% | 5,314 |
| Pretax return on assets | 0.3940% | 5,583 |
| Return on Equity (ROE) | 5.3687% | 4,500 |
| Retained earnings to average equity (ytd only) | 5.3687% | 2,722 |
| Net charge-offs to loans | 1.2202% | 254 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.4154% | 4,049 |
| Efficiency ratio | 91.1291% | 823 |
| Assets per employee ($millions) | 3.7982% | 4,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0272% | 372 |
| Loan loss allowance to noncurrent loans | 45.7302% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 6.0233% | 246 |
| Noncurrent loans to loans | 6.6197% | 203 |
| Net loans and leases to total assets | 72.1188% | 1,726 |
| Net loans and leases to deposits | 80.6758% | 2,425 |
| Net loans and leases to core deposits | 87.5286% | 2,363 |
| Total domestic deposits to total assets | 89.3934% | 1,159 |
| Equity capital to assets | 7.4178% | 6,366 |
| Core capital (leverage) ratio | 7.2178% | 6,389 |
| Tier 1 risk-based capital ratio | 10.3455% | 6,299 |
| Total risk-based capital ratio | 11.6188% | 6,252 |
| Memoranda: | ||
| Average total assets | $355,352,000 | 1,844 |
| Average earning assets | $320,831,330 | 1,875 |
| Average equity | $26,077,000 | 2,556 |
| Average total loans | $276,177,000 | 1,551 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5622% | 1,605 |
| Cost of funding earning assets | 0.5451% | 2,464 |
| Net interest margin | 4.0171% | 1,701 |
| Noninterest income to average assets | 0.7819% | 1,834 |
| Noninterest expense to average assets | 4.1804% | 614 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2268% | 5,723 |
| Return on assets (ROA) | 0.2268% | 5,776 |
| Pretax return on assets | 0.2268% | 5,877 |
| Return on Equity (ROE) | 3.1074% | 5,424 |
| Retained earnings to average equity (ytd only) | 3.1074% | 4,256 |
| Net charge-offs to loans | -0.0654% | 5,931 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.8541% | 702 |
| Assets per employee ($millions) | 3.9213% | 4,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5348% | 260 |
| Loan loss allowance to noncurrent loans | 50.6008% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 6.4886% | 246 |
| Noncurrent loans to loans | 6.9856% | 223 |
| Net loans and leases to total assets | 73.1038% | 1,415 |
| Net loans and leases to deposits | 81.4164% | 2,113 |
| Net loans and leases to core deposits | 88.8136% | 2,014 |
| Total domestic deposits to total assets | 89.7901% | 1,183 |
| Equity capital to assets | 7.1281% | 6,412 |
| Core capital (leverage) ratio | 7.3627% | 6,382 |
| Tier 1 risk-based capital ratio | 10.0025% | 6,478 |
| Total risk-based capital ratio | 11.2831% | 6,442 |
| Memoranda: | ||
| Average total assets | $354,511,500 | 1,854 |
| Average earning assets | $319,935,000 | 1,887 |
| Average equity | $25,873,500 | 2,563 |
| Average total loans | $281,502,500 | 1,522 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6110% | 1,834 |
| Cost of funding earning assets | 0.5709% | 2,917 |
| Net interest margin | 4.0401% | 1,836 |
| Noninterest income to average assets | 0.7133% | 2,463 |
| Noninterest expense to average assets | 3.8835% | 1,013 |
| Loan and lease loss provision to assets | 1.5375% | 83 |
| Net operating income to assets | -3.5644% | 6,779 |
| Return on assets (ROA) | -3.5516% | 6,777 |
| Pretax return on assets | -1.1367% | 6,619 |
| Return on Equity (ROE) | -37.6164% | 6,751 |
| Retained earnings to average equity (ytd only) | -37.6164% | 6,748 |
| Net charge-offs to loans | 1.0352% | 549 |
| Credit loss provision to net charge-offs | 197.0530% | 1,163 |
| Earnings coverage of net charge-offs (x) | 0.4974% | 4,915 |
| Efficiency ratio | 90.9145% | 958 |
| Assets per employee ($millions) | 3.4434% | 5,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3921% | 316 |
| Loan loss allowance to noncurrent loans | 49.4985% | 5,278 |
| Noncurrent assets plus other real estate owned to assets | 6.7370% | 258 |
| Noncurrent loans to loans | 6.8529% | 252 |
| Net loans and leases to total assets | 80.4193% | 551 |
| Net loans and leases to deposits | 90.4369% | 1,191 |
| Net loans and leases to core deposits | 99.0957% | 1,229 |
| Total domestic deposits to total assets | 88.9231% | 1,681 |
| Equity capital to assets | 7.4787% | 6,293 |
| Core capital (leverage) ratio | 6.8894% | 6,543 |
| Tier 1 risk-based capital ratio | 9.6747% | 6,578 |
| Total risk-based capital ratio | 10.9540% | 6,553 |
| Memoranda: | ||
| Average total assets | $391,402,000 | 1,686 |
| Average earning assets | $344,721,400 | 1,736 |
| Average equity | $36,954,600 | 1,869 |
| Average total loans | $295,018,400 | 1,432 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6223% | 1,821 |
| Cost of funding earning assets | 0.5736% | 3,061 |
| Net interest margin | 4.0487% | 1,792 |
| Noninterest income to average assets | 0.6168% | 3,050 |
| Noninterest expense to average assets | 3.7542% | 1,156 |
| Loan and lease loss provision to assets | 0.4547% | 624 |
| Net operating income to assets | -0.0265% | 6,322 |
| Return on assets (ROA) | -0.0159% | 6,357 |
| Pretax return on assets | -0.0255% | 6,341 |
| Return on Equity (ROE) | -0.1610% | 6,357 |
| Retained earnings to average equity (ytd only) | -0.1610% | 5,970 |
| Net charge-offs to loans | 0.4528% | 1,416 |
| Credit loss provision to net charge-offs | 136.2735% | 1,724 |
| Earnings coverage of net charge-offs (x) | 1.2369% | 4,430 |
| Efficiency ratio | 90.0952% | 983 |
| Assets per employee ($millions) | 3.8641% | 4,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5043% | 931 |
| Loan loss allowance to noncurrent loans | 49.0872% | 5,259 |
| Noncurrent assets plus other real estate owned to assets | 5.6359% | 452 |
| Noncurrent loans to loans | 5.1017% | 577 |
| Net loans and leases to total assets | 72.5112% | 1,524 |
| Net loans and leases to deposits | 83.9944% | 1,877 |
| Net loans and leases to core deposits | 91.6179% | 1,802 |
| Total domestic deposits to total assets | 86.3287% | 3,060 |
| Equity capital to assets | 10.3243% | 3,477 |
| Core capital (leverage) ratio | 7.9922% | 6,228 |
| Tier 1 risk-based capital ratio | 10.9941% | 6,286 |
| Total risk-based capital ratio | 12.2606% | 6,236 |
| Memoranda: | ||
| Average total assets | $403,167,750 | 1,646 |
| Average earning assets | $353,521,000 | 1,709 |
| Average equity | $39,755,250 | 1,765 |
| Average total loans | $297,113,500 | 1,421 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6252% | 1,768 |
| Cost of funding earning assets | 0.5881% | 3,048 |
| Net interest margin | 4.0371% | 1,741 |
| Noninterest income to average assets | 0.6165% | 3,094 |
| Noninterest expense to average assets | 3.7143% | 1,229 |
| Loan and lease loss provision to assets | 0.5970% | 428 |
| Net operating income to assets | -0.0936% | 6,402 |
| Return on assets (ROA) | -0.0780% | 6,433 |
| Pretax return on assets | -0.1249% | 6,447 |
| Return on Equity (ROE) | -0.8032% | 6,434 |
| Retained earnings to average equity (ytd only) | -0.8032% | 6,010 |
| Net charge-offs to loans | 0.2735% | 2,113 |
| Credit loss provision to net charge-offs | 297.0874% | 873 |
| Earnings coverage of net charge-offs (x) | 2.2282% | 3,784 |
| Efficiency ratio | 89.2418% | 1,108 |
| Assets per employee ($millions) | 4.1744% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6118% | 875 |
| Loan loss allowance to noncurrent loans | 50.8735% | 5,164 |
| Noncurrent assets plus other real estate owned to assets | 5.4106% | 547 |
| Noncurrent loans to loans | 5.1339% | 612 |
| Net loans and leases to total assets | 70.4452% | 1,814 |
| Net loans and leases to deposits | 80.9633% | 2,186 |
| Net loans and leases to core deposits | 87.8963% | 2,120 |
| Total domestic deposits to total assets | 87.0088% | 2,818 |
| Equity capital to assets | 9.8738% | 4,088 |
| Core capital (leverage) ratio | 7.5621% | 6,429 |
| Tier 1 risk-based capital ratio | 10.9696% | 6,347 |
| Total risk-based capital ratio | 12.2384% | 6,312 |
| Memoranda: | ||
| Average total assets | $410,042,000 | 1,621 |
| Average earning assets | $360,113,000 | 1,682 |
| Average equity | $39,842,000 | 1,769 |
| Average total loans | $301,313,670 | 1,397 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5354% | 2,041 |
| Cost of funding earning assets | 0.6102% | 3,010 |
| Net interest margin | 3.9251% | 2,029 |
| Noninterest income to average assets | 0.6222% | 3,017 |
| Noninterest expense to average assets | 3.6895% | 1,262 |
| Loan and lease loss provision to assets | 0.0106% | 4,318 |
| Net operating income to assets | 0.2276% | 5,800 |
| Return on assets (ROA) | 0.2276% | 5,926 |
| Pretax return on assets | 0.3656% | 5,659 |
| Return on Equity (ROE) | 2.3613% | 5,827 |
| Retained earnings to average equity (ytd only) | 2.3613% | 4,847 |
| Net charge-offs to loans | 0.1954% | 2,243 |
| Credit loss provision to net charge-offs | 7.3333% | 3,176 |
| Earnings coverage of net charge-offs (x) | 2.6000% | 2,991 |
| Efficiency ratio | 90.7473% | 1,079 |
| Assets per employee ($millions) | 4.3180% | 3,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2316% | 1,521 |
| Loan loss allowance to noncurrent loans | 53.7469% | 4,991 |
| Noncurrent assets plus other real estate owned to assets | 5.2339% | 675 |
| Noncurrent loans to loans | 4.1521% | 1,065 |
| Net loans and leases to total assets | 69.2440% | 1,790 |
| Net loans and leases to deposits | 80.1995% | 2,050 |
| Net loans and leases to core deposits | 86.7246% | 2,040 |
| Total domestic deposits to total assets | 86.3397% | 3,337 |
| Equity capital to assets | 9.5722% | 4,751 |
| Core capital (leverage) ratio | 7.8982% | 6,219 |
| Tier 1 risk-based capital ratio | 11.0817% | 6,373 |
| Total risk-based capital ratio | 12.3449% | 6,339 |
| Memoranda: | ||
| Average total assets | $414,689,500 | 1,614 |
| Average earning assets | $363,808,500 | 1,676 |
| Average equity | $39,978,500 | 1,777 |
| Average total loans | $307,031,500 | 1,384 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9690% | 1,642 |
| Cost of funding earning assets | 0.6923% | 3,559 |
| Net interest margin | 4.2767% | 1,454 |
| Noninterest income to average assets | 0.4600% | 4,175 |
| Noninterest expense to average assets | 3.7911% | 1,268 |
| Loan and lease loss provision to assets | 1.1237% | 326 |
| Net operating income to assets | -0.4349% | 6,537 |
| Return on assets (ROA) | -0.3878% | 6,553 |
| Pretax return on assets | -0.6187% | 6,622 |
| Return on Equity (ROE) | -4.1082% | 6,556 |
| Retained earnings to average equity (ytd only) | -4.1082% | 6,367 |
| Net charge-offs to loans | 1.3906% | 661 |
| Credit loss provision to net charge-offs | 102.0128% | 2,958 |
| Earnings coverage of net charge-offs (x) | 0.3916% | 5,287 |
| Efficiency ratio | 89.7827% | 1,087 |
| Assets per employee ($millions) | 4.4143% | 3,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1294% | 1,691 |
| Loan loss allowance to noncurrent loans | 45.8455% | 5,329 |
| Noncurrent assets plus other real estate owned to assets | 5.8266% | 607 |
| Noncurrent loans to loans | 4.6447% | 904 |
| Net loans and leases to total assets | 75.6720% | 967 |
| Net loans and leases to deposits | 87.9171% | 1,291 |
| Net loans and leases to core deposits | 95.7296% | 1,331 |
| Total domestic deposits to total assets | 86.0719% | 3,317 |
| Equity capital to assets | 9.7104% | 4,575 |
| Core capital (leverage) ratio | 7.6280% | 6,436 |
| Tier 1 risk-based capital ratio | 10.2685% | 6,629 |
| Total risk-based capital ratio | 11.5306% | 6,591 |
| Memoranda: | ||
| Average total assets | $423,941,000 | 1,550 |
| Average earning assets | $372,973,800 | 1,603 |
| Average equity | $40,017,600 | 1,738 |
| Average total loans | $335,835,600 | 1,254 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9511% | 1,826 |
| Cost of funding earning assets | 0.7046% | 3,721 |
| Net interest margin | 4.2465% | 1,606 |
| Noninterest income to average assets | 0.3592% | 4,953 |
| Noninterest expense to average assets | 3.7759% | 1,252 |
| Loan and lease loss provision to assets | 1.2544% | 287 |
| Net operating income to assets | -0.5852% | 6,737 |
| Return on assets (ROA) | -0.5648% | 6,754 |
| Pretax return on assets | -0.9008% | 6,837 |
| Return on Equity (ROE) | -6.0247% | 6,756 |
| Retained earnings to average equity (ytd only) | -6.0247% | 6,674 |
| Net charge-offs to loans | 1.1675% | 856 |
| Credit loss provision to net charge-offs | 134.8541% | 2,137 |
| Earnings coverage of net charge-offs (x) | 0.3459% | 5,151 |
| Efficiency ratio | 92.1489% | 879 |
| Assets per employee ($millions) | 4.4158% | 3,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3526% | 1,430 |
| Loan loss allowance to noncurrent loans | 32.9625% | 5,989 |
| Noncurrent assets plus other real estate owned to assets | 7.6122% | 426 |
| Noncurrent loans to loans | 7.1371% | 505 |
| Net loans and leases to total assets | 75.4323% | 1,058 |
| Net loans and leases to deposits | 87.3151% | 1,439 |
| Net loans and leases to core deposits | 94.3374% | 1,554 |
| Total domestic deposits to total assets | 86.3909% | 3,041 |
| Equity capital to assets | 9.4050% | 5,325 |
| Core capital (leverage) ratio | 7.5650% | 6,584 |
| Tier 1 risk-based capital ratio | 9.9620% | 6,807 |
| Total risk-based capital ratio | 11.2269% | 6,783 |
| Memoranda: | ||
| Average total assets | $427,293,500 | 1,556 |
| Average earning assets | $376,173,500 | 1,604 |
| Average equity | $40,056,000 | 1,753 |
| Average total loans | $340,440,500 | 1,250 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0867% | 1,538 |
| Cost of funding earning assets | 0.7282% | 3,783 |
| Net interest margin | 4.3585% | 1,310 |
| Noninterest income to average assets | 0.4127% | 4,560 |
| Noninterest expense to average assets | 3.6861% | 1,402 |
| Loan and lease loss provision to assets | 2.2058% | 112 |
| Net operating income to assets | -1.0258% | 6,919 |
| Return on assets (ROA) | -0.9953% | 6,925 |
| Pretax return on assets | -1.5952% | 7,017 |
| Return on Equity (ROE) | -10.6286% | 6,915 |
| Retained earnings to average equity (ytd only) | -10.6286% | 6,847 |
| Net charge-offs to loans | 0.3806% | 2,494 |
| Credit loss provision to net charge-offs | 720.2744% | 440 |
| Earnings coverage of net charge-offs (x) | 1.8384% | 4,055 |
| Efficiency ratio | 86.7502% | 1,366 |
| Assets per employee ($millions) | 4.0340% | 3,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1697% | 668 |
| Loan loss allowance to noncurrent loans | 38.1491% | 5,751 |
| Noncurrent assets plus other real estate owned to assets | 8.3999% | 397 |
| Noncurrent loans to loans | 8.3087% | 399 |
| Net loans and leases to total assets | 77.4172% | 791 |
| Net loans and leases to deposits | 89.1555% | 1,240 |
| Net loans and leases to core deposits | 97.2888% | 1,318 |
| Total domestic deposits to total assets | 86.8339% | 2,876 |
| Equity capital to assets | 9.3088% | 5,303 |
| Core capital (leverage) ratio | 7.4389% | 6,648 |
| Tier 1 risk-based capital ratio | 9.3753% | 6,941 |
| Total risk-based capital ratio | 10.6500% | 6,938 |
| Memoranda: | ||
| Average total assets | $428,420,000 | 1,555 |
| Average earning assets | $377,100,670 | 1,601 |
| Average equity | $40,118,330 | 1,741 |
| Average total loans | $344,763,330 | 1,221 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1774% | 1,363 |
| Cost of funding earning assets | 0.7611% | 3,779 |
| Net interest margin | 4.4164% | 1,190 |
| Noninterest income to average assets | 0.3379% | 5,155 |
| Noninterest expense to average assets | 3.6718% | 1,421 |
| Loan and lease loss provision to assets | 3.8287% | 36 |
| Net operating income to assets | -2.0497% | 7,157 |
| Return on assets (ROA) | -2.0360% | 7,160 |
| Pretax return on assets | -3.2624% | 7,223 |
| Return on Equity (ROE) | -21.6791% | 7,123 |
| Retained earnings to average equity (ytd only) | -21.6791% | 7,066 |
| Net charge-offs to loans | 0.6084% | 1,575 |
| Credit loss provision to net charge-offs | 779.5841% | 441 |
| Earnings coverage of net charge-offs (x) | 1.1096% | 3,780 |
| Efficiency ratio | 87.0762% | 1,370 |
| Assets per employee ($millions) | 4.4580% | 3,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9833% | 848 |
| Loan loss allowance to noncurrent loans | 50.4301% | 5,046 |
| Noncurrent assets plus other real estate owned to assets | 6.6192% | 671 |
| Noncurrent loans to loans | 5.9157% | 852 |
| Net loans and leases to total assets | 77.1587% | 682 |
| Net loans and leases to deposits | 88.3726% | 1,123 |
| Net loans and leases to core deposits | 98.4033% | 1,100 |
| Total domestic deposits to total assets | 87.3107% | 2,764 |
| Equity capital to assets | 9.1047% | 5,355 |
| Core capital (leverage) ratio | 7.2414% | 6,748 |
| Tier 1 risk-based capital ratio | 9.1169% | 7,013 |
| Total risk-based capital ratio | 10.3889% | 7,018 |
| Memoranda: | ||
| Average total assets | $430,847,500 | 1,545 |
| Average earning assets | $378,412,000 | 1,601 |
| Average equity | $40,463,000 | 1,718 |
| Average total loans | $347,822,000 | 1,208 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2435% | 1,901 |
| Cost of funding earning assets | 0.9257% | 3,913 |
| Net interest margin | 4.3178% | 1,644 |
| Noninterest income to average assets | -0.4806% | 7,258 |
| Noninterest expense to average assets | 3.4581% | 2,097 |
| Loan and lease loss provision to assets | 1.8163% | 361 |
| Net operating income to assets | -1.1769% | 6,811 |
| Return on assets (ROA) | -1.1674% | 6,833 |
| Pretax return on assets | -1.9480% | 7,010 |
| Return on Equity (ROE) | -13.3175% | 6,844 |
| Retained earnings to average equity (ytd only) | -13.3175% | 6,820 |
| Net charge-offs to loans | 2.1305% | 619 |
| Credit loss provision to net charge-offs | 107.5258% | 3,145 |
| Earnings coverage of net charge-offs (x) | -0.0867% | 5,891 |
| Efficiency ratio | 104.4238% | 556 |
| Assets per employee ($millions) | 4.6158% | 2,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8949% | 2,580 |
| Loan loss allowance to noncurrent loans | 30.2776% | 6,181 |
| Noncurrent assets plus other real estate owned to assets | 7.3709% | 604 |
| Noncurrent loans to loans | 6.2585% | 777 |
| Net loans and leases to total assets | 80.3843% | 456 |
| Net loans and leases to deposits | 94.7434% | 757 |
| Net loans and leases to core deposits | 111.9854% | 565 |
| Total domestic deposits to total assets | 84.8442% | 3,929 |
| Equity capital to assets | 9.6804% | 4,629 |
| Core capital (leverage) ratio | 7.9706% | 6,293 |
| Tier 1 risk-based capital ratio | 9.8882% | 6,879 |
| Total risk-based capital ratio | 11.1464% | 6,870 |
| Memoranda: | ||
| Average total assets | $459,387,600 | 1,430 |
| Average earning assets | $403,471,600 | 1,476 |
| Average equity | $40,270,400 | 1,676 |
| Average total loans | $364,233,800 | 1,161 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2443% | 2,053 |
| Cost of funding earning assets | 0.9582% | 3,976 |
| Net interest margin | 4.2860% | 1,772 |
| Noninterest income to average assets | -0.7293% | 7,385 |
| Noninterest expense to average assets | 3.4115% | 2,161 |
| Loan and lease loss provision to assets | 2.2102% | 228 |
| Net operating income to assets | -1.8006% | 7,100 |
| Return on assets (ROA) | -1.7870% | 7,110 |
| Pretax return on assets | -2.5663% | 7,218 |
| Return on Equity (ROE) | -20.8860% | 7,105 |
| Retained earnings to average equity (ytd only) | -20.8860% | 7,091 |
| Net charge-offs to loans | 2.4012% | 468 |
| Credit loss provision to net charge-offs | 116.9891% | 2,789 |
| Earnings coverage of net charge-offs (x) | -0.1988% | 5,718 |
| Efficiency ratio | 112.3683% | 389 |
| Assets per employee ($millions) | 4.8694% | 2,370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0315% | 2,251 |
| Loan loss allowance to noncurrent loans | 33.1478% | 6,075 |
| Noncurrent assets plus other real estate owned to assets | 7.2744% | 657 |
| Noncurrent loans to loans | 6.1285% | 896 |
| Net loans and leases to total assets | 78.4140% | 666 |
| Net loans and leases to deposits | 88.9121% | 1,329 |
| Net loans and leases to core deposits | 104.7974% | 931 |
| Total domestic deposits to total assets | 88.1927% | 1,931 |
| Equity capital to assets | 8.0530% | 6,662 |
| Core capital (leverage) ratio | 7.1621% | 6,911 |
| Tier 1 risk-based capital ratio | 8.9966% | 7,114 |
| Total risk-based capital ratio | 10.2562% | 7,107 |
| Memoranda: | ||
| Average total assets | $466,917,500 | 1,423 |
| Average earning assets | $410,189,500 | 1,467 |
| Average equity | $39,949,250 | 1,684 |
| Average total loans | $367,360,000 | 1,163 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3336% | 1,771 |
| Cost of funding earning assets | 0.9905% | 4,011 |
| Net interest margin | 4.3431% | 1,530 |
| Noninterest income to average assets | 0.1280% | 6,686 |
| Noninterest expense to average assets | 3.3025% | 2,554 |
| Loan and lease loss provision to assets | 1.2497% | 611 |
| Net operating income to assets | -0.5313% | 6,711 |
| Return on assets (ROA) | -0.5058% | 6,717 |
| Pretax return on assets | -0.5707% | 6,697 |
| Return on Equity (ROE) | -5.8060% | 6,765 |
| Retained earnings to average equity (ytd only) | -5.8060% | 6,639 |
| Net charge-offs to loans | 1.2492% | 1,249 |
| Credit loss provision to net charge-offs | 127.8328% | 2,392 |
| Earnings coverage of net charge-offs (x) | 0.6652% | 4,794 |
| Efficiency ratio | 83.5482% | 1,879 |
| Assets per employee ($millions) | 5.0238% | 2,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8540% | 2,818 |
| Loan loss allowance to noncurrent loans | 36.6474% | 5,849 |
| Noncurrent assets plus other real estate owned to assets | 6.8995% | 749 |
| Noncurrent loans to loans | 5.0591% | 1,288 |
| Net loans and leases to total assets | 77.0462% | 907 |
| Net loans and leases to deposits | 87.7282% | 1,539 |
| Net loans and leases to core deposits | 106.9385% | 868 |
| Total domestic deposits to total assets | 87.8237% | 2,265 |
| Equity capital to assets | 8.7922% | 5,824 |
| Core capital (leverage) ratio | 7.8633% | 6,447 |
| Tier 1 risk-based capital ratio | 9.9695% | 6,987 |
| Total risk-based capital ratio | 11.2264% | 6,986 |
| Memoranda: | ||
| Average total assets | $474,851,670 | 1,414 |
| Average earning assets | $418,183,000 | 1,456 |
| Average equity | $41,371,000 | 1,621 |
| Average total loans | $371,590,330 | 1,173 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2506% | 2,047 |
| Cost of funding earning assets | 1.0382% | 3,930 |
| Net interest margin | 4.2124% | 1,865 |
| Noninterest income to average assets | 0.5137% | 3,779 |
| Noninterest expense to average assets | 3.1572% | 3,041 |
| Loan and lease loss provision to assets | 0.8221% | 1,017 |
| Net operating income to assets | 0.1546% | 5,926 |
| Return on assets (ROA) | 0.1546% | 5,985 |
| Pretax return on assets | 0.2477% | 5,814 |
| Return on Equity (ROE) | 1.7825% | 5,876 |
| Retained earnings to average equity (ytd only) | 1.7825% | 5,051 |
| Net charge-offs to loans | 1.3246% | 1,044 |
| Credit loss provision to net charge-offs | 79.4378% | 3,172 |
| Earnings coverage of net charge-offs (x) | 1.0337% | 3,885 |
| Efficiency ratio | 74.6903% | 3,393 |
| Assets per employee ($millions) | 5.2451% | 1,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5692% | 3,874 |
| Loan loss allowance to noncurrent loans | 34.1863% | 6,009 |
| Noncurrent assets plus other real estate owned to assets | 5.9252% | 986 |
| Noncurrent loans to loans | 4.5903% | 1,510 |
| Net loans and leases to total assets | 74.9030% | 1,203 |
| Net loans and leases to deposits | 84.7441% | 1,918 |
| Net loans and leases to core deposits | 104.5177% | 1,029 |
| Total domestic deposits to total assets | 88.3874% | 2,150 |
| Equity capital to assets | 8.5786% | 5,799 |
| Core capital (leverage) ratio | 8.0073% | 6,250 |
| Tier 1 risk-based capital ratio | 10.1545% | 6,947 |
| Total risk-based capital ratio | 11.4079% | 6,947 |
| Memoranda: | ||
| Average total assets | $481,180,500 | 1,404 |
| Average earning assets | $424,177,500 | 1,451 |
| Average equity | $41,738,000 | 1,598 |
| Average total loans | $375,970,500 | 1,176 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3738% | 2,793 |
| Cost of funding earning assets | 1.1635% | 4,773 |
| Net interest margin | 4.2103% | 2,147 |
| Noninterest income to average assets | 0.5281% | 3,972 |
| Noninterest expense to average assets | 3.1763% | 3,168 |
| Loan and lease loss provision to assets | 1.8776% | 726 |
| Net operating income to assets | -0.4795% | 6,375 |
| Return on assets (ROA) | -0.4795% | 6,404 |
| Pretax return on assets | -0.8003% | 6,524 |
| Return on Equity (ROE) | -5.1521% | 6,446 |
| Retained earnings to average equity (ytd only) | -5.1521% | 6,318 |
| Net charge-offs to loans | 3.4025% | 430 |
| Credit loss provision to net charge-offs | 65.6430% | 5,967 |
| Earnings coverage of net charge-offs (x) | 0.3766% | 5,732 |
| Efficiency ratio | 74.6732% | 3,261 |
| Assets per employee ($millions) | 5.1028% | 2,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5971% | 3,582 |
| Loan loss allowance to noncurrent loans | 27.7241% | 6,427 |
| Noncurrent assets plus other real estate owned to assets | 6.8859% | 801 |
| Noncurrent loans to loans | 5.7609% | 1,106 |
| Net loans and leases to total assets | 78.9483% | 807 |
| Net loans and leases to deposits | 89.6198% | 1,580 |
| Net loans and leases to core deposits | 120.1356% | 525 |
| Total domestic deposits to total assets | 88.0925% | 2,195 |
| Equity capital to assets | 8.7722% | 5,478 |
| Core capital (leverage) ratio | 8.1939% | 5,835 |
| Tier 1 risk-based capital ratio | 9.9211% | 7,017 |
| Total risk-based capital ratio | 11.1750% | 7,003 |
| Memoranda: | ||
| Average total assets | $462,179,800 | 1,438 |
| Average earning assets | $408,949,600 | 1,486 |
| Average equity | $43,011,800 | 1,545 |
| Average total loans | $388,541,200 | 1,158 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4164% | 2,808 |
| Cost of funding earning assets | 1.1457% | 5,173 |
| Net interest margin | 4.2707% | 1,948 |
| Noninterest income to average assets | 0.4345% | 4,682 |
| Noninterest expense to average assets | 3.1778% | 3,005 |
| Loan and lease loss provision to assets | 1.1603% | 1,247 |
| Net operating income to assets | -0.0482% | 6,095 |
| Return on assets (ROA) | -0.0482% | 6,208 |
| Pretax return on assets | -0.1199% | 6,244 |
| Return on Equity (ROE) | -0.5105% | 6,218 |
| Retained earnings to average equity (ytd only) | -0.5105% | 5,922 |
| Net charge-offs to loans | 3.7183% | 352 |
| Credit loss provision to net charge-offs | 36.6850% | 6,067 |
| Earnings coverage of net charge-offs (x) | 0.3289% | 5,696 |
| Efficiency ratio | 75.3374% | 3,067 |
| Assets per employee ($millions) | 5.2949% | 1,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 6,392 |
| Loan loss allowance to noncurrent loans | 18.5982% | 6,959 |
| Noncurrent assets plus other real estate owned to assets | 6.6070% | 852 |
| Noncurrent loans to loans | 5.3805% | 1,251 |
| Net loans and leases to total assets | 78.2644% | 990 |
| Net loans and leases to deposits | 89.4336% | 1,796 |
| Net loans and leases to core deposits | 129.5853% | 385 |
| Total domestic deposits to total assets | 87.5112% | 2,257 |
| Equity capital to assets | 9.3225% | 5,099 |
| Core capital (leverage) ratio | 9.1900% | 4,388 |
| Tier 1 risk-based capital ratio | 11.0089% | 6,377 |
| Total risk-based capital ratio | 11.9821% | 6,586 |
| Memoranda: | ||
| Average total assets | $459,083,500 | 1,468 |
| Average earning assets | $406,728,250 | 1,519 |
| Average equity | $43,357,250 | 1,538 |
| Average total loans | $390,491,000 | 1,166 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4607% | 2,696 |
| Cost of funding earning assets | 1.1222% | 5,564 |
| Net interest margin | 4.3385% | 1,639 |
| Noninterest income to average assets | 0.2505% | 6,121 |
| Noninterest expense to average assets | 3.1611% | 3,045 |
| Loan and lease loss provision to assets | 1.1459% | 1,255 |
| Net operating income to assets | -0.1029% | 6,233 |
| Return on assets (ROA) | -0.1029% | 6,307 |
| Pretax return on assets | -0.2110% | 6,349 |
| Return on Equity (ROE) | -1.0842% | 6,327 |
| Retained earnings to average equity (ytd only) | -1.0842% | 5,986 |
| Net charge-offs to loans | 4.3282% | 280 |
| Credit loss provision to net charge-offs | 30.3846% | 5,728 |
| Earnings coverage of net charge-offs (x) | 0.2479% | 5,481 |
| Efficiency ratio | 77.1757% | 2,862 |
| Assets per employee ($millions) | 5.1095% | 2,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2055% | 5,428 |
| Loan loss allowance to noncurrent loans | 18.7138% | 7,002 |
| Noncurrent assets plus other real estate owned to assets | 6.7695% | 799 |
| Noncurrent loans to loans | 6.4418% | 936 |
| Net loans and leases to total assets | 83.8008% | 371 |
| Net loans and leases to deposits | 95.8557% | 1,063 |
| Net loans and leases to core deposits | 145.1910% | 237 |
| Total domestic deposits to total assets | 87.4239% | 2,308 |
| Equity capital to assets | 9.4363% | 4,809 |
| Core capital (leverage) ratio | 8.9477% | 4,687 |
| Tier 1 risk-based capital ratio | 10.1444% | 6,944 |
| Total risk-based capital ratio | 11.2891% | 6,982 |
| Memoranda: | ||
| Average total assets | $455,029,330 | 1,501 |
| Average earning assets | $403,321,330 | 1,537 |
| Average equity | $43,165,670 | 1,537 |
| Average total loans | $396,472,670 | 1,163 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5982% | 2,158 |
| Cost of funding earning assets | 1.1046% | 5,884 |
| Net interest margin | 4.4937% | 1,162 |
| Noninterest income to average assets | 0.6380% | 3,016 |
| Noninterest expense to average assets | 3.2392% | 2,735 |
| Loan and lease loss provision to assets | 0.7153% | 1,781 |
| Net operating income to assets | 0.4359% | 4,685 |
| Return on assets (ROA) | 0.4359% | 4,816 |
| Pretax return on assets | 0.6626% | 4,367 |
| Return on Equity (ROE) | 4.5827% | 4,600 |
| Retained earnings to average equity (ytd only) | 4.5827% | 3,395 |
| Net charge-offs to loans | 5.5006% | 208 |
| Credit loss provision to net charge-offs | 14.7304% | 5,002 |
| Earnings coverage of net charge-offs (x) | 0.2837% | 4,789 |
| Efficiency ratio | 70.1561% | 4,272 |
| Assets per employee ($millions) | 5.1789% | 1,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 3,944 |
| Loan loss allowance to noncurrent loans | 20.1796% | 6,998 |
| Noncurrent assets plus other real estate owned to assets | 7.9859% | 619 |
| Noncurrent loans to loans | 7.3947% | 780 |
| Net loans and leases to total assets | 85.6202% | 239 |
| Net loans and leases to deposits | 98.0269% | 908 |
| Net loans and leases to core deposits | 155.6573% | 207 |
| Total domestic deposits to total assets | 87.3435% | 2,438 |
| Equity capital to assets | 9.5569% | 4,446 |
| Core capital (leverage) ratio | 9.0444% | 4,488 |
| Tier 1 risk-based capital ratio | 10.0656% | 6,984 |
| Total risk-based capital ratio | 11.3177% | 6,981 |
| Memoranda: | ||
| Average total assets | $455,171,500 | 1,543 |
| Average earning assets | $403,056,500 | 1,579 |
| Average equity | $43,293,000 | 1,548 |
| Average total loans | $401,844,000 | 1,179 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7474% | 2,875 |
| Cost of funding earning assets | 1.1822% | 6,721 |
| Net interest margin | 4.5652% | 1,045 |
| Noninterest income to average assets | 0.7804% | 2,508 |
| Noninterest expense to average assets | 3.2968% | 3,019 |
| Loan and lease loss provision to assets | 2.2775% | 900 |
| Net operating income to assets | -0.4105% | 6,090 |
| Return on assets (ROA) | -0.4105% | 6,087 |
| Pretax return on assets | -0.7048% | 6,196 |
| Return on Equity (ROE) | -4.1007% | 6,120 |
| Retained earnings to average equity (ytd only) | -8.1764% | 6,359 |
| Net charge-offs to loans | 0.5924% | 3,442 |
| Credit loss provision to net charge-offs | 425.7343% | 734 |
| Earnings coverage of net charge-offs (x) | 2.9399% | 3,614 |
| Efficiency ratio | 67.7029% | 5,059 |
| Assets per employee ($millions) | 4.9413% | 2,292 |
| Cash dividends to net income (ytd only)* | -99.3925% | 7,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6064% | 1,110 |
| Loan loss allowance to noncurrent loans | 32.3241% | 6,297 |
| Noncurrent assets plus other real estate owned to assets | 9.2596% | 431 |
| Noncurrent loans to loans | 8.0634% | 620 |
| Net loans and leases to total assets | 87.3176% | 208 |
| Net loans and leases to deposits | 109.6533% | 397 |
| Net loans and leases to core deposits | 151.8573% | 467 |
| Total domestic deposits to total assets | 79.6307% | 5,801 |
| Equity capital to assets | 9.4657% | 4,465 |
| Core capital (leverage) ratio | 9.8986% | 3,198 |
| Tier 1 risk-based capital ratio | 10.2503% | 6,634 |
| Total risk-based capital ratio | 11.5162% | 6,595 |
| Memoranda: | ||
| Average total assets | $400,959,000 | 1,715 |
| Average earning assets | $359,155,000 | 1,745 |
| Average equity | $40,139,800 | 1,666 |
| Average total loans | $362,095,400 | 1,330 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8145% | 2,824 |
| Cost of funding earning assets | 1.2171% | 6,845 |
| Net interest margin | 4.5974% | 995 |
| Noninterest income to average assets | 0.8305% | 2,286 |
| Noninterest expense to average assets | 3.2855% | 2,973 |
| Loan and lease loss provision to assets | 1.6730% | 1,117 |
| Net operating income to assets | 0.0409% | 5,626 |
| Return on assets (ROA) | 0.0409% | 5,662 |
| Pretax return on assets | 0.0058% | 5,692 |
| Return on Equity (ROE) | 0.4025% | 5,662 |
| Retained earnings to average equity (ytd only) | -4.1978% | 6,137 |
| Net charge-offs to loans | 0.3022% | 4,139 |
| Credit loss provision to net charge-offs | 611.6981% | 623 |
| Earnings coverage of net charge-offs (x) | 6.1384% | 2,660 |
| Efficiency ratio | 66.1816% | 5,332 |
| Assets per employee ($millions) | 4.4997% | 2,862 |
| Cash dividends to net income (ytd only)* | 1,142.8779% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0095% | 1,776 |
| Loan loss allowance to noncurrent loans | 31.4449% | 6,354 |
| Noncurrent assets plus other real estate owned to assets | 6.9940% | 692 |
| Noncurrent loans to loans | 6.3904% | 909 |
| Net loans and leases to total assets | 88.8196% | 161 |
| Net loans and leases to deposits | 108.0676% | 557 |
| Net loans and leases to core deposits | 147.5632% | 644 |
| Total domestic deposits to total assets | 82.1890% | 4,594 |
| Equity capital to assets | 9.8292% | 4,315 |
| Core capital (leverage) ratio | 10.2264% | 3,043 |
| Tier 1 risk-based capital ratio | 10.4915% | 6,480 |
| Total risk-based capital ratio | 11.7502% | 6,421 |
| Memoranda: | ||
| Average total assets | $387,548,750 | 1,780 |
| Average earning assets | $348,475,500 | 1,804 |
| Average equity | $39,417,000 | 1,724 |
| Average total loans | $350,727,000 | 1,392 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8275% | 2,914 |
| Cost of funding earning assets | 1.2872% | 6,849 |
| Net interest margin | 4.5403% | 1,075 |
| Noninterest income to average assets | 0.8676% | 2,104 |
| Noninterest expense to average assets | 3.2970% | 2,971 |
| Loan and lease loss provision to assets | 2.4820% | 631 |
| Net operating income to assets | -0.4705% | 6,520 |
| Return on assets (ROA) | -0.4705% | 6,531 |
| Pretax return on assets | -0.8261% | 6,696 |
| Return on Equity (ROE) | -4.5688% | 6,561 |
| Retained earnings to average equity (ytd only) | -10.1557% | 6,890 |
| Net charge-offs to loans | 0.2307% | 4,055 |
| Credit loss provision to net charge-offs | 1,189.5408% | 424 |
| Earnings coverage of net charge-offs (x) | 7.9362% | 2,355 |
| Efficiency ratio | 66.5664% | 5,449 |
| Assets per employee ($millions) | 4.3361% | 3,045 |
| Cash dividends to net income (ytd only)* | -122.2851% | 8,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2173% | 1,211 |
| Loan loss allowance to noncurrent loans | 39.3207% | 5,774 |
| Noncurrent assets plus other real estate owned to assets | 6.3308% | 738 |
| Noncurrent loans to loans | 5.6389% | 1,015 |
| Net loans and leases to total assets | 88.3725% | 219 |
| Net loans and leases to deposits | 106.8124% | 722 |
| Net loans and leases to core deposits | 140.3967% | 995 |
| Total domestic deposits to total assets | 82.7362% | 4,369 |
| Equity capital to assets | 10.1419% | 3,777 |
| Core capital (leverage) ratio | 10.3802% | 2,923 |
| Tier 1 risk-based capital ratio | 10.8560% | 6,028 |
| Total risk-based capital ratio | 12.1171% | 5,954 |
| Memoranda: | ||
| Average total assets | $375,740,330 | 1,854 |
| Average earning assets | $338,085,330 | 1,878 |
| Average equity | $38,697,670 | 1,763 |
| Average total loans | $339,840,000 | 1,470 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8433% | 3,076 |
| Cost of funding earning assets | 1.3998% | 6,730 |
| Net interest margin | 4.4434% | 1,241 |
| Noninterest income to average assets | 0.6694% | 3,076 |
| Noninterest expense to average assets | 3.1972% | 2,996 |
| Loan and lease loss provision to assets | 0.8037% | 1,606 |
| Net operating income to assets | 0.4684% | 4,574 |
| Return on assets (ROA) | 0.4684% | 4,761 |
| Pretax return on assets | 0.6857% | 4,484 |
| Return on Equity (ROE) | 4.5113% | 4,703 |
| Retained earnings to average equity (ytd only) | -2.8498% | 6,251 |
| Net charge-offs to loans | 0.1207% | 4,011 |
| Credit loss provision to net charge-offs | 736.0000% | 824 |
| Earnings coverage of net charge-offs (x) | 13.6400% | 1,724 |
| Efficiency ratio | 68.2199% | 4,918 |
| Assets per employee ($millions) | 3.9581% | 3,756 |
| Cash dividends to net income (ytd only)* | 163.1702% | 407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2542% | 4,387 |
| Loan loss allowance to noncurrent loans | 15.0227% | 7,397 |
| Noncurrent assets plus other real estate owned to assets | 7.9473% | 375 |
| Noncurrent loans to loans | 8.3490% | 416 |
| Net loans and leases to total assets | 89.4464% | 163 |
| Net loans and leases to deposits | 106.7775% | 810 |
| Net loans and leases to core deposits | 139.8162% | 1,108 |
| Total domestic deposits to total assets | 83.7690% | 3,817 |
| Equity capital to assets | 11.0203% | 2,943 |
| Core capital (leverage) ratio | 11.1832% | 2,353 |
| Tier 1 risk-based capital ratio | 11.0855% | 5,825 |
| Total risk-based capital ratio | 12.2291% | 5,823 |
| Memoranda: | ||
| Average total assets | $366,319,500 | 1,900 |
| Average earning assets | $331,185,500 | 1,912 |
| Average equity | $38,037,500 | 1,794 |
| Average total loans | $331,455,500 | 1,518 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8822% | 1,455 |
| Cost of funding earning assets | 2.1803% | 5,680 |
| Net interest margin | 4.7019% | 969 |
| Noninterest income to average assets | 0.8363% | 2,314 |
| Noninterest expense to average assets | 3.4627% | 2,490 |
| Loan and lease loss provision to assets | 0.2334% | 4,563 |
| Net operating income to assets | 0.8786% | 3,099 |
| Return on assets (ROA) | 0.8786% | 2,948 |
| Pretax return on assets | 1.3425% | 2,160 |
| Return on Equity (ROE) | 8.5211% | 2,826 |
| Retained earnings to average equity (ytd only) | 3.9458% | 2,669 |
| Net charge-offs to loans | -0.0017% | 7,738 |
| Credit loss provision to net charge-offs | -15,320.0000% | 7,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7232% | 4,592 |
| Assets per employee ($millions) | 3.7939% | 3,972 |
| Cash dividends to net income (ytd only)* | 53.6941% | 2,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1281% | 5,077 |
| Loan loss allowance to noncurrent loans | 20.4591% | 7,218 |
| Noncurrent assets plus other real estate owned to assets | 5.1668% | 659 |
| Noncurrent loans to loans | 5.5140% | 732 |
| Net loans and leases to total assets | 89.3577% | 247 |
| Net loans and leases to deposits | 110.0436% | 830 |
| Net loans and leases to core deposits | 136.3695% | 1,470 |
| Total domestic deposits to total assets | 81.2021% | 4,561 |
| Equity capital to assets | 9.7125% | 4,407 |
| Core capital (leverage) ratio | 10.0688% | 3,382 |
| Tier 1 risk-based capital ratio | 9.7595% | 7,004 |
| Total risk-based capital ratio | 10.7849% | 7,188 |
| Memoranda: | ||
| Average total assets | $328,124,600 | 2,033 |
| Average earning assets | $293,262,600 | 2,088 |
| Average equity | $33,833,800 | 2,002 |
| Average total loans | $291,504,800 | 1,656 |