Home > Sunshine Bank > Performance and Condition Ratios
Sunshine Bank, Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2888% | 2,367 |
| Cost of funding earning assets | 0.3538% | 3,677 |
| Net interest margin | 3.9351% | 1,969 |
| Noninterest income to average assets | 0.4415% | 3,362 |
| Noninterest expense to average assets | 3.8245% | 677 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | -0.1564% | 5,437 |
| Return on assets (ROA) | -0.1564% | 5,438 |
| Pretax return on assets | 0.0750% | 5,392 |
| Return on Equity (ROE) | -1.2360% | 5,438 |
| Retained earnings to average equity (ytd only) | -1.2360% | 5,207 |
| Net charge-offs to loans | -0.0683% | 5,267 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0007% | 231 |
| Assets per employee ($millions) | 6.1351% | 1,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5315% | 5,356 |
| Loan loss allowance to noncurrent loans | 212.0972% | 2,200 |
| Noncurrent assets plus other real estate owned to assets | 0.1872% | 4,196 |
| Noncurrent loans to loans | 0.2506% | 3,888 |
| Net loans and leases to total assets | 74.3257% | 1,870 |
| Net loans and leases to deposits | 97.1168% | 984 |
| Net loans and leases to core deposits | 112.6792% | 859 |
| Total domestic deposits to total assets | 76.5323% | 4,917 |
| Equity capital to assets | 12.9547% | 1,290 |
| Core capital (leverage) ratio | 11.0579% | 2,279 |
| Tier 1 risk-based capital ratio | 13.1977% | 3,793 |
| Total risk-based capital ratio | 13.6895% | 4,146 |
| Memoranda: | ||
| Average total assets | $945,646,400 | 787 |
| Average earning assets | $830,992,200 | 829 |
| Average equity | $119,656,200 | 687 |
| Average total loans | $700,333,600 | 745 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2191% | 2,546 |
| Cost of funding earning assets | 0.3384% | 3,788 |
| Net interest margin | 3.8807% | 2,106 |
| Noninterest income to average assets | 0.4453% | 3,368 |
| Noninterest expense to average assets | 2.6612% | 3,201 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.7757% | 3,618 |
| Return on assets (ROA) | 0.7757% | 3,670 |
| Pretax return on assets | 1.2192% | 2,828 |
| Return on Equity (ROE) | 6.1672% | 4,048 |
| Retained earnings to average equity (ytd only) | 6.1672% | 2,135 |
| Net charge-offs to loans | -0.0809% | 5,317 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4768% | 2,972 |
| Assets per employee ($millions) | 6.0822% | 1,434 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5241% | 5,436 |
| Loan loss allowance to noncurrent loans | 334.0560% | 1,456 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 4,660 |
| Noncurrent loans to loans | 0.1569% | 4,430 |
| Net loans and leases to total assets | 74.4568% | 1,847 |
| Net loans and leases to deposits | 93.1339% | 1,408 |
| Net loans and leases to core deposits | 118.6205% | 631 |
| Total domestic deposits to total assets | 79.9459% | 4,327 |
| Equity capital to assets | 12.9404% | 1,419 |
| Core capital (leverage) ratio | 10.7029% | 2,765 |
| Tier 1 risk-based capital ratio | 13.1792% | 3,890 |
| Total risk-based capital ratio | 13.6725% | 4,273 |
| Memoranda: | ||
| Average total assets | $945,855,500 | 788 |
| Average earning assets | $837,249,250 | 827 |
| Average equity | $118,971,000 | 693 |
| Average total loans | $698,919,750 | 749 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1268% | 2,742 |
| Cost of funding earning assets | 0.3195% | 3,882 |
| Net interest margin | 3.8073% | 2,260 |
| Noninterest income to average assets | 0.4695% | 3,222 |
| Noninterest expense to average assets | 2.5973% | 3,440 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7944% | 3,423 |
| Return on assets (ROA) | 0.7944% | 3,480 |
| Pretax return on assets | 1.2470% | 2,597 |
| Return on Equity (ROE) | 6.3766% | 3,881 |
| Retained earnings to average equity (ytd only) | 6.3766% | 1,916 |
| Net charge-offs to loans | -0.1137% | 5,448 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4359% | 3,276 |
| Assets per employee ($millions) | 6.2422% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5181% | 5,495 |
| Loan loss allowance to noncurrent loans | 519.0948% | 995 |
| Noncurrent assets plus other real estate owned to assets | 0.0774% | 4,891 |
| Noncurrent loans to loans | 0.0998% | 4,730 |
| Net loans and leases to total assets | 73.7868% | 1,912 |
| Net loans and leases to deposits | 90.2810% | 1,689 |
| Net loans and leases to core deposits | 107.3797% | 1,137 |
| Total domestic deposits to total assets | 81.7301% | 3,968 |
| Equity capital to assets | 12.5808% | 1,584 |
| Core capital (leverage) ratio | 10.5853% | 2,829 |
| Tier 1 risk-based capital ratio | 12.9427% | 4,040 |
| Total risk-based capital ratio | 13.4329% | 4,385 |
| Memoranda: | ||
| Average total assets | $946,891,670 | 792 |
| Average earning assets | $839,338,670 | 836 |
| Average equity | $117,963,000 | 702 |
| Average total loans | $696,680,670 | 751 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0547% | 2,832 |
| Cost of funding earning assets | 0.3387% | 3,651 |
| Net interest margin | 3.7160% | 2,437 |
| Noninterest income to average assets | 0.4561% | 3,281 |
| Noninterest expense to average assets | 2.5422% | 3,685 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7611% | 3,423 |
| Return on assets (ROA) | 0.7611% | 3,476 |
| Pretax return on assets | 1.2142% | 2,533 |
| Return on Equity (ROE) | 6.1403% | 3,839 |
| Retained earnings to average equity (ytd only) | 6.1403% | 2,262 |
| Net charge-offs to loans | -0.2137% | 5,633 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5349% | 3,404 |
| Assets per employee ($millions) | 6.0842% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5248% | 5,573 |
| Loan loss allowance to noncurrent loans | 620.6133% | 889 |
| Noncurrent assets plus other real estate owned to assets | 0.0648% | 5,018 |
| Noncurrent loans to loans | 0.0846% | 4,858 |
| Net loans and leases to total assets | 72.2896% | 2,036 |
| Net loans and leases to deposits | 89.0904% | 1,658 |
| Net loans and leases to core deposits | 107.4177% | 1,006 |
| Total domestic deposits to total assets | 81.1418% | 4,385 |
| Equity capital to assets | 12.3433% | 1,635 |
| Core capital (leverage) ratio | 10.2952% | 3,116 |
| Tier 1 risk-based capital ratio | 12.7213% | 4,244 |
| Total risk-based capital ratio | 13.2122% | 4,643 |
| Memoranda: | ||
| Average total assets | $942,808,000 | 798 |
| Average earning assets | $837,357,500 | 834 |
| Average equity | $116,867,500 | 705 |
| Average total loans | $690,832,500 | 756 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8876% | 3,615 |
| Cost of funding earning assets | 0.2959% | 4,110 |
| Net interest margin | 3.5917% | 3,099 |
| Noninterest income to average assets | 0.4902% | 3,300 |
| Noninterest expense to average assets | 3.4620% | 1,230 |
| Loan and lease loss provision to assets | 0.0576% | 3,234 |
| Net operating income to assets | 0.0742% | 5,588 |
| Return on assets (ROA) | 0.0961% | 5,597 |
| Pretax return on assets | 0.1877% | 5,509 |
| Return on Equity (ROE) | 0.7533% | 5,597 |
| Retained earnings to average equity (ytd only) | 0.7533% | 5,023 |
| Net charge-offs to loans | -0.0969% | 5,581 |
| Credit loss provision to net charge-offs | -84.7458% | 4,872 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.5284% | 403 |
| Assets per employee ($millions) | 6.0026% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4762% | 5,678 |
| Loan loss allowance to noncurrent loans | 1,125.0859% | 556 |
| Noncurrent assets plus other real estate owned to assets | 0.0347% | 5,225 |
| Noncurrent loans to loans | 0.0423% | 5,078 |
| Net loans and leases to total assets | 73.5411% | 1,922 |
| Net loans and leases to deposits | 93.3046% | 1,267 |
| Net loans and leases to core deposits | 108.9681% | 962 |
| Total domestic deposits to total assets | 78.8183% | 4,832 |
| Equity capital to assets | 12.4495% | 1,553 |
| Core capital (leverage) ratio | 12.0999% | 1,538 |
| Tier 1 risk-based capital ratio | 12.9334% | 4,113 |
| Total risk-based capital ratio | 13.3883% | 4,506 |
| Memoranda: | ||
| Average total assets | $607,482,000 | 1,155 |
| Average earning assets | $538,328,800 | 1,194 |
| Average equity | $77,528,800 | 1,023 |
| Average total loans | $426,332,200 | 1,148 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8757% | 3,668 |
| Cost of funding earning assets | 0.3014% | 4,083 |
| Net interest margin | 3.5743% | 3,181 |
| Noninterest income to average assets | 0.5761% | 2,785 |
| Noninterest expense to average assets | 3.3713% | 1,411 |
| Loan and lease loss provision to assets | 0.0886% | 2,459 |
| Net operating income to assets | 0.1796% | 5,498 |
| Return on assets (ROA) | 0.2144% | 5,505 |
| Pretax return on assets | 0.3263% | 5,416 |
| Return on Equity (ROE) | 1.6619% | 5,532 |
| Retained earnings to average equity (ytd only) | 1.6619% | 4,846 |
| Net charge-offs to loans | 0.0055% | 3,714 |
| Credit loss provision to net charge-offs | 2,333.3333% | 213 |
| Earnings coverage of net charge-offs (x) | 95.3975% | 687 |
| Efficiency ratio | 89.7153% | 575 |
| Assets per employee ($millions) | 5.0299% | 2,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7136% | 5,404 |
| Loan loss allowance to noncurrent loans | 297.6987% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.1754% | 4,739 |
| Noncurrent loans to loans | 0.2397% | 4,411 |
| Net loans and leases to total assets | 70.2933% | 2,452 |
| Net loans and leases to deposits | 89.4946% | 1,822 |
| Net loans and leases to core deposits | 105.9958% | 1,181 |
| Total domestic deposits to total assets | 78.5448% | 4,817 |
| Equity capital to assets | 13.6220% | 1,191 |
| Core capital (leverage) ratio | 12.6205% | 1,350 |
| Tier 1 risk-based capital ratio | 15.1676% | 2,968 |
| Total risk-based capital ratio | 15.8360% | 3,181 |
| Memoranda: | ||
| Average total assets | $526,752,250 | 1,312 |
| Average earning assets | $465,311,000 | 1,365 |
| Average equity | $67,953,500 | 1,158 |
| Average total loans | $361,040,000 | 1,301 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8326% | 3,838 |
| Cost of funding earning assets | 0.2879% | 4,268 |
| Net interest margin | 3.5446% | 3,312 |
| Noninterest income to average assets | 0.6549% | 2,348 |
| Noninterest expense to average assets | 3.4403% | 1,292 |
| Loan and lease loss provision to assets | 0.1360% | 1,673 |
| Net operating income to assets | 0.1326% | 5,633 |
| Return on assets (ROA) | 0.1667% | 5,636 |
| Pretax return on assets | 0.2495% | 5,559 |
| Return on Equity (ROE) | 1.3195% | 5,638 |
| Retained earnings to average equity (ytd only) | 1.3195% | 4,856 |
| Net charge-offs to loans | -0.0195% | 4,937 |
| Credit loss provision to net charge-offs | -1,029.4118% | 5,101 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5272% | 575 |
| Assets per employee ($millions) | 4.3573% | 3,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7720% | 5,342 |
| Loan loss allowance to noncurrent loans | 227.7734% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 0.2573% | 4,468 |
| Noncurrent loans to loans | 0.3389% | 4,147 |
| Net loans and leases to total assets | 72.3686% | 2,109 |
| Net loans and leases to deposits | 92.1074% | 1,496 |
| Net loans and leases to core deposits | 105.8286% | 1,194 |
| Total domestic deposits to total assets | 78.5698% | 4,880 |
| Equity capital to assets | 13.8372% | 1,080 |
| Core capital (leverage) ratio | 12.1140% | 1,552 |
| Tier 1 risk-based capital ratio | 14.7192% | 3,194 |
| Total risk-based capital ratio | 15.4437% | 3,419 |
| Memoranda: | ||
| Average total assets | $514,554,670 | 1,345 |
| Average earning assets | $452,908,000 | 1,419 |
| Average equity | $65,025,000 | 1,212 |
| Average total loans | $348,440,000 | 1,340 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8496% | 3,769 |
| Cost of funding earning assets | 0.2980% | 4,184 |
| Net interest margin | 3.5516% | 3,267 |
| Noninterest income to average assets | 0.4981% | 3,126 |
| Noninterest expense to average assets | 3.4207% | 1,342 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.1432% | 5,620 |
| Return on assets (ROA) | 0.1577% | 5,658 |
| Pretax return on assets | 0.2191% | 5,619 |
| Return on Equity (ROE) | 1.3104% | 5,645 |
| Retained earnings to average equity (ytd only) | 1.3104% | 4,736 |
| Net charge-offs to loans | -0.0251% | 4,981 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8386% | 461 |
| Assets per employee ($millions) | 4.2487% | 3,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7430% | 5,508 |
| Loan loss allowance to noncurrent loans | 265.6873% | 1,782 |
| Noncurrent assets plus other real estate owned to assets | 0.1885% | 4,813 |
| Noncurrent loans to loans | 0.2797% | 4,431 |
| Net loans and leases to total assets | 64.7228% | 3,150 |
| Net loans and leases to deposits | 79.2300% | 2,883 |
| Net loans and leases to core deposits | 91.8486% | 2,199 |
| Total domestic deposits to total assets | 81.6898% | 4,309 |
| Equity capital to assets | 12.9617% | 1,429 |
| Core capital (leverage) ratio | 11.3162% | 2,129 |
| Tier 1 risk-based capital ratio | 14.8784% | 3,213 |
| Total risk-based capital ratio | 15.5563% | 3,422 |
| Memoranda: | ||
| Average total assets | $514,753,000 | 1,342 |
| Average earning assets | $452,412,500 | 1,419 |
| Average equity | $61,965,000 | 1,266 |
| Average total loans | $335,168,000 | 1,383 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5078% | 4,899 |
| Cost of funding earning assets | 0.2224% | 5,072 |
| Net interest margin | 3.2854% | 4,351 |
| Noninterest income to average assets | 0.3769% | 4,208 |
| Noninterest expense to average assets | 4.2472% | 517 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | -0.4099% | 6,020 |
| Return on assets (ROA) | -0.3771% | 6,023 |
| Pretax return on assets | -0.9033% | 6,093 |
| Return on Equity (ROE) | -2.8338% | 6,005 |
| Retained earnings to average equity (ytd only) | -39.9593% | 6,163 |
| Net charge-offs to loans | -0.3284% | 6,021 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 128.5657% | 72 |
| Assets per employee ($millions) | 3.9603% | 4,012 |
| Cash dividends to net income (ytd only)* | -1,310.1045% | 6,179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7619% | 5,503 |
| Loan loss allowance to noncurrent loans | 334.3542% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.1545% | 4,976 |
| Noncurrent loans to loans | 0.2279% | 4,611 |
| Net loans and leases to total assets | 64.5192% | 3,198 |
| Net loans and leases to deposits | 79.5900% | 2,871 |
| Net loans and leases to core deposits | 90.4509% | 2,372 |
| Total domestic deposits to total assets | 81.0644% | 4,464 |
| Equity capital to assets | 11.0853% | 2,736 |
| Core capital (leverage) ratio | 9.7599% | 3,822 |
| Tier 1 risk-based capital ratio | 12.4411% | 4,670 |
| Total risk-based capital ratio | 13.1345% | 4,932 |
| Memoranda: | ||
| Average total assets | $380,508,800 | 1,727 |
| Average earning assets | $337,706,400 | 1,798 |
| Average equity | $50,639,000 | 1,466 |
| Average total loans | $239,064,200 | 1,807 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2620% | 5,483 |
| Cost of funding earning assets | 0.1863% | 5,486 |
| Net interest margin | 3.0757% | 5,020 |
| Noninterest income to average assets | 0.3741% | 4,257 |
| Noninterest expense to average assets | 3.6972% | 982 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | -0.0213% | 5,953 |
| Return on assets (ROA) | 0.0264% | 5,954 |
| Pretax return on assets | -0.5048% | 6,134 |
| Return on Equity (ROE) | 0.1868% | 5,953 |
| Retained earnings to average equity (ytd only) | -50.7082% | 6,252 |
| Net charge-offs to loans | -0.1361% | 5,895 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.3601% | 103 |
| Assets per employee ($millions) | 3.9441% | 3,985 |
| Cash dividends to net income (ytd only)* | 27,245.6957% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6024% | 5,890 |
| Loan loss allowance to noncurrent loans | 190.1367% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 0.2391% | 4,802 |
| Noncurrent loans to loans | 0.3168% | 4,459 |
| Net loans and leases to total assets | 72.7239% | 1,950 |
| Net loans and leases to deposits | 90.4649% | 1,587 |
| Net loans and leases to core deposits | 100.7701% | 1,454 |
| Total domestic deposits to total assets | 80.3891% | 4,639 |
| Equity capital to assets | 12.9781% | 1,456 |
| Core capital (leverage) ratio | 10.5902% | 2,937 |
| Tier 1 risk-based capital ratio | 13.7488% | 3,996 |
| Total risk-based capital ratio | 14.3103% | 4,314 |
| Memoranda: | ||
| Average total assets | $348,907,750 | 1,891 |
| Average earning assets | $311,249,500 | 1,957 |
| Average equity | $49,250,500 | 1,518 |
| Average total loans | $216,438,500 | 1,955 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4764% | 6,172 |
| Cost of funding earning assets | 0.0968% | 6,145 |
| Net interest margin | 2.3796% | 6,051 |
| Noninterest income to average assets | 0.3403% | 4,521 |
| Noninterest expense to average assets | 3.6287% | 1,076 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | -0.1930% | 6,097 |
| Return on assets (ROA) | -0.1145% | 6,084 |
| Pretax return on assets | -1.0316% | 6,260 |
| Return on Equity (ROE) | -0.7818% | 6,071 |
| Retained earnings to average equity (ytd only) | -81.5419% | 6,336 |
| Net charge-offs to loans | -0.1736% | 5,985 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.6446% | 45 |
| Assets per employee ($millions) | 4.7669% | 2,592 |
| Cash dividends to net income (ytd only)* | -10,329.6703% | 6,345 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6086% | 5,959 |
| Loan loss allowance to noncurrent loans | 115.2387% | 3,369 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 4,490 |
| Noncurrent loans to loans | 0.5281% | 3,872 |
| Net loans and leases to total assets | 64.5085% | 3,193 |
| Net loans and leases to deposits | 86.1004% | 2,041 |
| Net loans and leases to core deposits | 96.3932% | 1,765 |
| Total domestic deposits to total assets | 74.9223% | 5,711 |
| Equity capital to assets | 11.9612% | 2,059 |
| Core capital (leverage) ratio | 20.1015% | 200 |
| Tier 1 risk-based capital ratio | 14.5118% | 3,628 |
| Total risk-based capital ratio | 15.0881% | 3,944 |
| Memoranda: | ||
| Average total assets | $317,964,330 | 2,087 |
| Average earning assets | $285,170,330 | 2,128 |
| Average equity | $46,557,670 | 1,606 |
| Average total loans | $180,852,670 | 2,253 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3306% | 5,373 |
| Cost of funding earning assets | 0.1242% | 6,095 |
| Net interest margin | 3.2063% | 4,590 |
| Noninterest income to average assets | 0.4510% | 3,632 |
| Noninterest expense to average assets | 4.0285% | 666 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | -0.3804% | 6,211 |
| Return on assets (ROA) | -0.2280% | 6,184 |
| Pretax return on assets | -0.4409% | 6,229 |
| Return on Equity (ROE) | -1.3163% | 6,142 |
| Retained earnings to average equity (ytd only) | -1.3163% | 5,591 |
| Net charge-offs to loans | -0.0583% | 5,602 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 120.2703% | 127 |
| Assets per employee ($millions) | 3.2986% | 5,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4433% | 2,719 |
| Loan loss allowance to noncurrent loans | 469.8113% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.1665% | 5,286 |
| Noncurrent loans to loans | 0.3072% | 4,687 |
| Net loans and leases to total assets | 48.1103% | 5,021 |
| Net loans and leases to deposits | 59.5345% | 4,778 |
| Net loans and leases to core deposits | 60.8093% | 4,932 |
| Total domestic deposits to total assets | 80.8108% | 4,862 |
| Equity capital to assets | 16.7094% | 469 |
| Core capital (leverage) ratio | 16.6218% | 401 |
| Tier 1 risk-based capital ratio | 30.0521% | 538 |
| Total risk-based capital ratio | 31.3028% | 533 |
| Memoranda: | ||
| Average total assets | $238,601,000 | 2,644 |
| Average earning assets | $215,700,000 | 2,680 |
| Average equity | $41,327,500 | 1,783 |
| Average total loans | $116,584,500 | 3,153 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9602% | 6,087 |
| Cost of funding earning assets | 0.1429% | 6,140 |
| Net interest margin | 2.8174% | 5,776 |
| Noninterest income to average assets | 0.3159% | 4,860 |
| Noninterest expense to average assets | 3.5070% | 1,469 |
| Loan and lease loss provision to assets | 1.0773% | 92 |
| Net operating income to assets | -1.0282% | 6,386 |
| Return on assets (ROA) | -1.0282% | 6,385 |
| Pretax return on assets | -1.6936% | 6,437 |
| Return on Equity (ROE) | -7.2697% | 6,328 |
| Retained earnings to average equity (ytd only) | -7.2697% | 6,250 |
| Net charge-offs to loans | 2.2252% | 76 |
| Credit loss provision to net charge-offs | 100.3210% | 2,380 |
| Earnings coverage of net charge-offs (x) | -0.5738% | 4,770 |
| Efficiency ratio | 121.3178% | 124 |
| Assets per employee ($millions) | 3.1055% | 5,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 2,320 |
| Loan loss allowance to noncurrent loans | 63.4093% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 1.2023% | 2,374 |
| Noncurrent loans to loans | 2.4216% | 1,066 |
| Net loans and leases to total assets | 48.1611% | 5,138 |
| Net loans and leases to deposits | 60.8271% | 4,825 |
| Net loans and leases to core deposits | 62.1549% | 4,989 |
| Total domestic deposits to total assets | 79.1770% | 5,212 |
| Equity capital to assets | 17.9789% | 315 |
| Core capital (leverage) ratio | 16.9906% | 368 |
| Tier 1 risk-based capital ratio | 32.5702% | 412 |
| Total risk-based capital ratio | 33.8221% | 404 |
| Memoranda: | ||
| Average total assets | $232,053,200 | 2,679 |
| Average earning assets | $212,078,000 | 2,687 |
| Average equity | $32,821,000 | 2,121 |
| Average total loans | $111,988,000 | 3,180 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8916% | 6,211 |
| Cost of funding earning assets | 0.1463% | 6,205 |
| Net interest margin | 2.7454% | 5,944 |
| Noninterest income to average assets | 0.4362% | 3,983 |
| Noninterest expense to average assets | 2.8011% | 3,451 |
| Loan and lease loss provision to assets | 0.3783% | 456 |
| Net operating income to assets | -0.1100% | 6,225 |
| Return on assets (ROA) | -0.1100% | 6,232 |
| Pretax return on assets | -0.2258% | 6,263 |
| Return on Equity (ROE) | -0.8339% | 6,216 |
| Retained earnings to average equity (ytd only) | -0.8339% | 5,939 |
| Net charge-offs to loans | 0.6936% | 503 |
| Credit loss provision to net charge-offs | 113.4021% | 1,999 |
| Earnings coverage of net charge-offs (x) | 0.4570% | 4,385 |
| Efficiency ratio | 94.8380% | 554 |
| Assets per employee ($millions) | 3.7137% | 4,463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5932% | 2,322 |
| Loan loss allowance to noncurrent loans | 38.1397% | 5,508 |
| Noncurrent assets plus other real estate owned to assets | 2.6062% | 990 |
| Noncurrent loans to loans | 4.1772% | 489 |
| Net loans and leases to total assets | 49.7875% | 5,034 |
| Net loans and leases to deposits | 63.9117% | 4,547 |
| Net loans and leases to core deposits | 65.3741% | 4,763 |
| Total domestic deposits to total assets | 77.9004% | 5,552 |
| Equity capital to assets | 19.4660% | 250 |
| Core capital (leverage) ratio | 18.9971% | 253 |
| Tier 1 risk-based capital ratio | 37.2633% | 293 |
| Total risk-based capital ratio | 38.5170% | 289 |
| Memoranda: | ||
| Average total assets | $232,614,500 | 2,692 |
| Average earning assets | $213,299,000 | 2,698 |
| Average equity | $30,697,000 | 2,247 |
| Average total loans | $111,884,000 | 3,198 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7782% | 6,350 |
| Cost of funding earning assets | 0.1481% | 6,270 |
| Net interest margin | 2.6301% | 6,137 |
| Noninterest income to average assets | 0.4307% | 4,019 |
| Noninterest expense to average assets | 2.7539% | 3,688 |
| Loan and lease loss provision to assets | 0.5426% | 268 |
| Net operating income to assets | -0.2425% | 6,341 |
| Return on assets (ROA) | -0.2425% | 6,354 |
| Pretax return on assets | -0.4418% | 6,402 |
| Return on Equity (ROE) | -2.1608% | 6,343 |
| Retained earnings to average equity (ytd only) | -2.1608% | 6,014 |
| Net charge-offs to loans | 1.0520% | 325 |
| Credit loss provision to net charge-offs | 109.0290% | 1,835 |
| Earnings coverage of net charge-offs (x) | 0.2027% | 4,094 |
| Efficiency ratio | 96.4657% | 540 |
| Assets per employee ($millions) | 5.1963% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6076% | 2,431 |
| Loan loss allowance to noncurrent loans | 46.3734% | 5,304 |
| Noncurrent assets plus other real estate owned to assets | 1.6422% | 1,990 |
| Noncurrent loans to loans | 3.4666% | 770 |
| Net loans and leases to total assets | 34.7666% | 6,120 |
| Net loans and leases to deposits | 65.3348% | 4,343 |
| Net loans and leases to core deposits | 67.1717% | 4,536 |
| Total domestic deposits to total assets | 53.2130% | 6,591 |
| Equity capital to assets | 8.4246% | 5,862 |
| Core capital (leverage) ratio | 8.0441% | 6,063 |
| Tier 1 risk-based capital ratio | 23.5254% | 1,044 |
| Total risk-based capital ratio | 24.7810% | 1,024 |
| Memoranda: | ||
| Average total assets | $235,879,670 | 2,674 |
| Average earning assets | $217,406,330 | 2,662 |
| Average equity | $26,471,330 | 2,526 |
| Average total loans | $111,601,330 | 3,207 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3212% | 5,800 |
| Cost of funding earning assets | 0.1803% | 6,160 |
| Net interest margin | 3.1409% | 5,117 |
| Noninterest income to average assets | 0.4769% | 3,584 |
| Noninterest expense to average assets | 3.2355% | 2,108 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.0889% | 6,055 |
| Return on assets (ROA) | 0.0889% | 6,081 |
| Pretax return on assets | 0.0930% | 6,093 |
| Return on Equity (ROE) | 0.6623% | 6,111 |
| Retained earnings to average equity (ytd only) | 0.6623% | 5,327 |
| Net charge-offs to loans | -0.0107% | 5,075 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.2070% | 581 |
| Assets per employee ($millions) | 3.4138% | 5,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5413% | 2,964 |
| Loan loss allowance to noncurrent loans | 48.7674% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 2.4224% | 1,331 |
| Noncurrent loans to loans | 3.1605% | 975 |
| Net loans and leases to total assets | 54.5831% | 4,337 |
| Net loans and leases to deposits | 63.7552% | 4,336 |
| Net loans and leases to core deposits | 65.4878% | 4,552 |
| Total domestic deposits to total assets | 85.6136% | 3,554 |
| Equity capital to assets | 13.2048% | 1,211 |
| Core capital (leverage) ratio | 12.7059% | 1,293 |
| Tier 1 risk-based capital ratio | 23.8790% | 1,018 |
| Total risk-based capital ratio | 25.1337% | 998 |
| Memoranda: | ||
| Average total assets | $197,930,000 | 3,077 |
| Average earning assets | $179,692,500 | 3,102 |
| Average equity | $26,574,000 | 2,503 |
| Average total loans | $112,319,000 | 3,216 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4021% | 5,835 |
| Cost of funding earning assets | 0.2088% | 6,238 |
| Net interest margin | 3.1933% | 5,023 |
| Noninterest income to average assets | 0.4570% | 4,042 |
| Noninterest expense to average assets | 3.2506% | 2,279 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.0714% | 6,097 |
| Return on assets (ROA) | 0.0714% | 6,144 |
| Pretax return on assets | 0.1245% | 6,057 |
| Return on Equity (ROE) | 0.5327% | 6,162 |
| Retained earnings to average equity (ytd only) | 0.5327% | 5,602 |
| Net charge-offs to loans | 0.4960% | 1,338 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.4409% | 4,931 |
| Efficiency ratio | 96.3113% | 625 |
| Assets per employee ($millions) | 3.1877% | 5,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5206% | 3,099 |
| Loan loss allowance to noncurrent loans | 45.0210% | 5,456 |
| Noncurrent assets plus other real estate owned to assets | 2.6938% | 1,244 |
| Noncurrent loans to loans | 3.3776% | 950 |
| Net loans and leases to total assets | 57.2194% | 4,166 |
| Net loans and leases to deposits | 67.2412% | 4,152 |
| Net loans and leases to core deposits | 68.9061% | 4,402 |
| Total domestic deposits to total assets | 85.0958% | 3,693 |
| Equity capital to assets | 13.6551% | 1,009 |
| Core capital (leverage) ratio | 13.1369% | 1,088 |
| Tier 1 risk-based capital ratio | 24.0009% | 956 |
| Total risk-based capital ratio | 25.2552% | 946 |
| Memoranda: | ||
| Average total assets | $197,595,200 | 3,057 |
| Average earning assets | $180,564,000 | 3,058 |
| Average equity | $26,468,000 | 2,506 |
| Average total loans | $112,505,600 | 3,197 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4092% | 5,864 |
| Cost of funding earning assets | 0.2141% | 6,328 |
| Net interest margin | 3.1951% | 5,016 |
| Noninterest income to average assets | 0.4469% | 4,176 |
| Noninterest expense to average assets | 3.2307% | 2,267 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0759% | 6,179 |
| Return on assets (ROA) | 0.0759% | 6,234 |
| Pretax return on assets | 0.1351% | 6,164 |
| Return on Equity (ROE) | 0.5697% | 6,261 |
| Retained earnings to average equity (ytd only) | 0.5697% | 5,743 |
| Net charge-offs to loans | 0.6537% | 936 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 0.3648% | 4,745 |
| Efficiency ratio | 95.9864% | 623 |
| Assets per employee ($millions) | 3.2006% | 5,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5468% | 3,242 |
| Loan loss allowance to noncurrent loans | 38.4444% | 5,688 |
| Noncurrent assets plus other real estate owned to assets | 2.7469% | 1,365 |
| Noncurrent loans to loans | 4.0235% | 864 |
| Net loans and leases to total assets | 57.1743% | 4,144 |
| Net loans and leases to deposits | 67.3480% | 4,136 |
| Net loans and leases to core deposits | 69.1524% | 4,416 |
| Total domestic deposits to total assets | 84.8938% | 3,795 |
| Equity capital to assets | 13.8121% | 1,016 |
| Core capital (leverage) ratio | 13.2761% | 1,106 |
| Tier 1 risk-based capital ratio | 25.0767% | 871 |
| Total risk-based capital ratio | 26.3327% | 858 |
| Memoranda: | ||
| Average total assets | $198,382,000 | 3,080 |
| Average earning assets | $181,232,500 | 3,082 |
| Average equity | $26,447,000 | 2,535 |
| Average total loans | $112,387,000 | 3,221 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3389% | 6,022 |
| Cost of funding earning assets | 0.2162% | 6,397 |
| Net interest margin | 3.1227% | 5,213 |
| Noninterest income to average assets | 0.4449% | 4,202 |
| Noninterest expense to average assets | 3.2190% | 2,304 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.0419% | 6,254 |
| Return on assets (ROA) | 0.0419% | 6,327 |
| Pretax return on assets | 0.0788% | 6,265 |
| Return on Equity (ROE) | 0.3179% | 6,336 |
| Retained earnings to average equity (ytd only) | 0.3179% | 5,766 |
| Net charge-offs to loans | 0.6532% | 1,002 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 0.2147% | 4,476 |
| Efficiency ratio | 97.6104% | 588 |
| Assets per employee ($millions) | 3.2754% | 5,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7376% | 2,632 |
| Loan loss allowance to noncurrent loans | 41.4332% | 5,566 |
| Noncurrent assets plus other real estate owned to assets | 2.6557% | 1,570 |
| Noncurrent loans to loans | 4.1936% | 894 |
| Net loans and leases to total assets | 53.1333% | 4,716 |
| Net loans and leases to deposits | 61.9302% | 4,756 |
| Net loans and leases to core deposits | 63.7298% | 4,924 |
| Total domestic deposits to total assets | 85.7955% | 3,482 |
| Equity capital to assets | 13.0262% | 1,332 |
| Core capital (leverage) ratio | 12.5018% | 1,356 |
| Tier 1 risk-based capital ratio | 24.8178% | 892 |
| Total risk-based capital ratio | 26.0756% | 878 |
| Memoranda: | ||
| Average total assets | $200,498,000 | 3,067 |
| Average earning assets | $183,172,000 | 3,075 |
| Average equity | $26,421,330 | 2,542 |
| Average total loans | $112,676,330 | 3,219 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3092% | 6,142 |
| Cost of funding earning assets | 0.2218% | 6,464 |
| Net interest margin | 3.0875% | 5,310 |
| Noninterest income to average assets | 0.3915% | 4,526 |
| Noninterest expense to average assets | 3.2408% | 2,229 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0221% | 6,373 |
| Return on assets (ROA) | -0.0221% | 6,438 |
| Pretax return on assets | -0.0261% | 6,429 |
| Return on Equity (ROE) | -0.1666% | 6,439 |
| Retained earnings to average equity (ytd only) | -0.1666% | 5,809 |
| Net charge-offs to loans | 1.4372% | 381 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -0.0317% | 3,833 |
| Efficiency ratio | 100.8120% | 516 |
| Assets per employee ($millions) | 3.3504% | 5,335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6675% | 3,143 |
| Loan loss allowance to noncurrent loans | 29.9518% | 6,030 |
| Noncurrent assets plus other real estate owned to assets | 3.4339% | 1,247 |
| Noncurrent loans to loans | 5.5672% | 638 |
| Net loans and leases to total assets | 53.8422% | 4,442 |
| Net loans and leases to deposits | 62.5758% | 4,462 |
| Net loans and leases to core deposits | 64.2800% | 4,716 |
| Total domestic deposits to total assets | 86.0432% | 3,507 |
| Equity capital to assets | 12.9176% | 1,466 |
| Core capital (leverage) ratio | 12.3950% | 1,386 |
| Tier 1 risk-based capital ratio | 24.7796% | 917 |
| Total risk-based capital ratio | 26.0372% | 904 |
| Memoranda: | ||
| Average total assets | $199,209,000 | 3,107 |
| Average earning assets | $182,156,500 | 3,115 |
| Average equity | $26,405,500 | 2,577 |
| Average total loans | $114,110,000 | 3,201 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0855% | 5,003 |
| Cost of funding earning assets | 0.3480% | 6,227 |
| Net interest margin | 3.7375% | 3,487 |
| Noninterest income to average assets | 0.2396% | 5,735 |
| Noninterest expense to average assets | 3.3604% | 2,149 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | -0.0188% | 6,199 |
| Return on assets (ROA) | -0.0188% | 6,323 |
| Pretax return on assets | -0.0299% | 6,312 |
| Return on Equity (ROE) | -0.1399% | 6,321 |
| Retained earnings to average equity (ytd only) | -0.1399% | 5,877 |
| Net charge-offs to loans | 0.9443% | 1,172 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | -0.0518% | 5,515 |
| Efficiency ratio | 100.8993% | 528 |
| Assets per employee ($millions) | 3.2341% | 5,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9568% | 2,140 |
| Loan loss allowance to noncurrent loans | 44.9713% | 5,379 |
| Noncurrent assets plus other real estate owned to assets | 3.1183% | 1,509 |
| Noncurrent loans to loans | 4.3511% | 1,006 |
| Net loans and leases to total assets | 58.7694% | 3,844 |
| Net loans and leases to deposits | 68.8899% | 3,852 |
| Net loans and leases to core deposits | 71.1175% | 4,156 |
| Total domestic deposits to total assets | 85.3091% | 3,704 |
| Equity capital to assets | 13.6108% | 1,187 |
| Core capital (leverage) ratio | 13.0867% | 1,087 |
| Tier 1 risk-based capital ratio | 24.2844% | 939 |
| Total risk-based capital ratio | 25.5458% | 913 |
| Memoranda: | ||
| Average total assets | $196,998,200 | 3,085 |
| Average earning assets | $162,918,000 | 3,332 |
| Average equity | $26,444,200 | 2,526 |
| Average total loans | $120,518,200 | 3,062 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2321% | 4,700 |
| Cost of funding earning assets | 0.3780% | 6,245 |
| Net interest margin | 3.8541% | 3,102 |
| Noninterest income to average assets | 0.1719% | 6,277 |
| Noninterest expense to average assets | 3.3532% | 2,124 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | -0.0506% | 6,340 |
| Return on assets (ROA) | -0.0506% | 6,458 |
| Pretax return on assets | -0.0742% | 6,463 |
| Return on Equity (ROE) | -0.3780% | 6,452 |
| Retained earnings to average equity (ytd only) | -0.3780% | 6,161 |
| Net charge-offs to loans | 1.0222% | 1,039 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | -0.1180% | 5,385 |
| Efficiency ratio | 102.2620% | 469 |
| Assets per employee ($millions) | 3.0653% | 5,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1276% | 1,853 |
| Loan loss allowance to noncurrent loans | 49.1096% | 5,180 |
| Noncurrent assets plus other real estate owned to assets | 3.0935% | 1,682 |
| Noncurrent loans to loans | 4.3324% | 1,119 |
| Net loans and leases to total assets | 60.0765% | 3,767 |
| Net loans and leases to deposits | 70.6534% | 3,810 |
| Net loans and leases to core deposits | 72.8907% | 4,138 |
| Total domestic deposits to total assets | 85.0299% | 3,729 |
| Equity capital to assets | 13.8772% | 1,204 |
| Core capital (leverage) ratio | 13.3606% | 1,055 |
| Tier 1 risk-based capital ratio | 24.7189% | 933 |
| Total risk-based capital ratio | 25.9833% | 926 |
| Memoranda: | ||
| Average total assets | $197,736,500 | 3,107 |
| Average earning assets | $159,412,750 | 3,422 |
| Average equity | $26,452,500 | 2,548 |
| Average total loans | $121,569,000 | 3,084 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4002% | 4,187 |
| Cost of funding earning assets | 0.4223% | 6,149 |
| Net interest margin | 3.9779% | 2,600 |
| Noninterest income to average assets | 0.3575% | 4,972 |
| Noninterest expense to average assets | 3.3260% | 2,233 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.0599% | 6,239 |
| Return on assets (ROA) | 0.0599% | 6,379 |
| Pretax return on assets | 0.1068% | 6,311 |
| Return on Equity (ROE) | 0.4532% | 6,398 |
| Retained earnings to average equity (ytd only) | 0.4532% | 5,888 |
| Net charge-offs to loans | 1.4837% | 673 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.1171% | 5,020 |
| Efficiency ratio | 96.8877% | 665 |
| Assets per employee ($millions) | 3.1125% | 5,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1215% | 1,946 |
| Loan loss allowance to noncurrent loans | 74.6491% | 3,999 |
| Noncurrent assets plus other real estate owned to assets | 2.2877% | 2,448 |
| Noncurrent loans to loans | 2.8420% | 2,108 |
| Net loans and leases to total assets | 57.9019% | 4,176 |
| Net loans and leases to deposits | 67.6481% | 4,260 |
| Net loans and leases to core deposits | 69.5427% | 4,586 |
| Total domestic deposits to total assets | 85.5928% | 3,571 |
| Equity capital to assets | 13.3073% | 1,390 |
| Core capital (leverage) ratio | 12.8453% | 1,198 |
| Tier 1 risk-based capital ratio | 25.7119% | 836 |
| Total risk-based capital ratio | 26.9777% | 818 |
| Memoranda: | ||
| Average total assets | $200,300,000 | 3,080 |
| Average earning assets | $154,855,000 | 3,521 |
| Average equity | $26,479,000 | 2,535 |
| Average total loans | $123,207,000 | 3,066 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5482% | 3,729 |
| Cost of funding earning assets | 0.4389% | 6,212 |
| Net interest margin | 4.1093% | 2,059 |
| Noninterest income to average assets | 0.2569% | 5,809 |
| Noninterest expense to average assets | 3.3278% | 2,207 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.0657% | 6,304 |
| Return on assets (ROA) | 0.0657% | 6,422 |
| Pretax return on assets | 0.1175% | 6,356 |
| Return on Equity (ROE) | 0.4988% | 6,442 |
| Retained earnings to average equity (ytd only) | 0.4988% | 5,842 |
| Net charge-offs to loans | 0.3400% | 2,291 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.5514% | 4,061 |
| Efficiency ratio | 96.5896% | 692 |
| Assets per employee ($millions) | 3.1786% | 5,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6978% | 1,117 |
| Loan loss allowance to noncurrent loans | 163.3086% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 2.1363% | 2,743 |
| Noncurrent loans to loans | 1.6519% | 3,623 |
| Net loans and leases to total assets | 58.6319% | 3,932 |
| Net loans and leases to deposits | 68.1784% | 4,026 |
| Net loans and leases to core deposits | 69.9960% | 4,418 |
| Total domestic deposits to total assets | 85.9978% | 3,526 |
| Equity capital to assets | 13.0171% | 1,440 |
| Core capital (leverage) ratio | 12.5572% | 1,315 |
| Tier 1 risk-based capital ratio | 24.7189% | 931 |
| Total risk-based capital ratio | 25.9932% | 916 |
| Memoranda: | ||
| Average total assets | $200,850,500 | 3,095 |
| Average earning assets | $155,840,500 | 3,515 |
| Average equity | $26,464,500 | 2,530 |
| Average total loans | $125,890,500 | 3,027 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5186% | 4,996 |
| Cost of funding earning assets | 0.5692% | 6,246 |
| Net interest margin | 3.9493% | 3,111 |
| Noninterest income to average assets | 0.5555% | 3,467 |
| Noninterest expense to average assets | 3.4623% | 2,087 |
| Loan and lease loss provision to assets | 0.0758% | 5,663 |
| Net operating income to assets | 0.2706% | 5,367 |
| Return on assets (ROA) | 0.2706% | 5,519 |
| Pretax return on assets | 0.4415% | 5,161 |
| Return on Equity (ROE) | 2.0901% | 5,621 |
| Retained earnings to average equity (ytd only) | 2.0901% | 4,724 |
| Net charge-offs to loans | -0.9229% | 7,304 |
| Credit loss provision to net charge-offs | -12.2596% | 6,621 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0004% | 1,441 |
| Assets per employee ($millions) | 3.0503% | 5,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6425% | 1,140 |
| Loan loss allowance to noncurrent loans | 153.5072% | 2,080 |
| Noncurrent assets plus other real estate owned to assets | 2.3493% | 2,577 |
| Noncurrent loans to loans | 1.7214% | 3,580 |
| Net loans and leases to total assets | 63.4411% | 3,302 |
| Net loans and leases to deposits | 74.2435% | 3,457 |
| Net loans and leases to core deposits | 76.3280% | 3,937 |
| Total domestic deposits to total assets | 85.4501% | 3,620 |
| Equity capital to assets | 13.3395% | 1,341 |
| Core capital (leverage) ratio | 13.0280% | 1,125 |
| Tier 1 risk-based capital ratio | 23.7383% | 992 |
| Total risk-based capital ratio | 25.0120% | 976 |
| Memoranda: | ||
| Average total assets | $201,804,000 | 3,038 |
| Average earning assets | $174,967,400 | 3,160 |
| Average equity | $26,123,400 | 2,470 |
| Average total loans | $135,231,800 | 2,894 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4889% | 5,285 |
| Cost of funding earning assets | 0.5885% | 6,338 |
| Net interest margin | 3.9004% | 3,381 |
| Noninterest income to average assets | 0.5282% | 3,666 |
| Noninterest expense to average assets | 3.5351% | 1,844 |
| Loan and lease loss provision to assets | 0.1006% | 5,190 |
| Net operating income to assets | 0.2013% | 5,702 |
| Return on assets (ROA) | 0.2013% | 5,827 |
| Pretax return on assets | 0.3368% | 5,629 |
| Return on Equity (ROE) | 1.5666% | 5,917 |
| Retained earnings to average equity (ytd only) | 1.5666% | 5,353 |
| Net charge-offs to loans | -0.6075% | 7,353 |
| Credit loss provision to net charge-offs | -24.5586% | 6,436 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9882% | 1,250 |
| Assets per employee ($millions) | 3.1242% | 5,850 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1043% | 2,058 |
| Loan loss allowance to noncurrent loans | 166.8062% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 1.9805% | 3,163 |
| Noncurrent loans to loans | 1.2615% | 4,429 |
| Net loans and leases to total assets | 64.8914% | 3,133 |
| Net loans and leases to deposits | 75.6354% | 3,384 |
| Net loans and leases to core deposits | 77.8332% | 3,934 |
| Total domestic deposits to total assets | 85.7950% | 3,330 |
| Equity capital to assets | 13.1072% | 1,557 |
| Core capital (leverage) ratio | 12.8186% | 1,290 |
| Tier 1 risk-based capital ratio | 23.0553% | 1,143 |
| Total risk-based capital ratio | 24.3206% | 1,121 |
| Memoranda: | ||
| Average total assets | $202,687,750 | 3,045 |
| Average earning assets | $178,986,000 | 3,126 |
| Average equity | $26,042,250 | 2,476 |
| Average total loans | $136,740,250 | 2,889 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3963% | 5,709 |
| Cost of funding earning assets | 0.5943% | 6,491 |
| Net interest margin | 3.8021% | 3,772 |
| Noninterest income to average assets | 0.5147% | 3,749 |
| Noninterest expense to average assets | 3.4961% | 1,992 |
| Loan and lease loss provision to assets | 0.1503% | 4,429 |
| Net operating income to assets | 0.1857% | 5,791 |
| Return on assets (ROA) | 0.1857% | 5,894 |
| Pretax return on assets | 0.3124% | 5,641 |
| Return on Equity (ROE) | 1.4546% | 5,962 |
| Retained earnings to average equity (ytd only) | 1.4546% | 5,262 |
| Net charge-offs to loans | -1.1611% | 7,448 |
| Credit loss provision to net charge-offs | -19.0773% | 6,199 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.3127% | 1,384 |
| Assets per employee ($millions) | 3.2274% | 5,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1673% | 1,983 |
| Loan loss allowance to noncurrent loans | 178.2583% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 1.9172% | 3,355 |
| Noncurrent loans to loans | 1.2158% | 4,632 |
| Net loans and leases to total assets | 64.8621% | 3,282 |
| Net loans and leases to deposits | 75.1395% | 3,629 |
| Net loans and leases to core deposits | 77.0110% | 4,190 |
| Total domestic deposits to total assets | 86.3223% | 3,144 |
| Equity capital to assets | 12.6315% | 1,719 |
| Core capital (leverage) ratio | 12.3276% | 1,441 |
| Tier 1 risk-based capital ratio | 21.4054% | 1,342 |
| Total risk-based capital ratio | 22.6707% | 1,318 |
| Memoranda: | ||
| Average total assets | $203,600,000 | 3,058 |
| Average earning assets | $184,426,000 | 3,066 |
| Average equity | $25,987,000 | 2,465 |
| Average total loans | $138,140,330 | 2,884 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4661% | 5,463 |
| Cost of funding earning assets | 0.6314% | 6,471 |
| Net interest margin | 3.8347% | 3,443 |
| Noninterest income to average assets | 0.5284% | 3,664 |
| Noninterest expense to average assets | 3.4652% | 2,102 |
| Loan and lease loss provision to assets | 0.3028% | 2,739 |
| Net operating income to assets | 0.1306% | 6,010 |
| Return on assets (ROA) | 0.1306% | 6,063 |
| Pretax return on assets | 0.2216% | 5,891 |
| Return on Equity (ROE) | 1.0179% | 6,127 |
| Retained earnings to average equity (ytd only) | 1.0179% | 5,421 |
| Net charge-offs to loans | 0.2970% | 2,864 |
| Credit loss provision to net charge-offs | 148.5437% | 1,923 |
| Earnings coverage of net charge-offs (x) | 2.5728% | 3,048 |
| Efficiency ratio | 86.8552% | 1,621 |
| Assets per employee ($millions) | 3.1716% | 5,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4960% | 4,232 |
| Loan loss allowance to noncurrent loans | 155.6981% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 2.0887% | 3,210 |
| Noncurrent loans to loans | 0.9609% | 5,120 |
| Net loans and leases to total assets | 65.8899% | 3,038 |
| Net loans and leases to deposits | 76.0992% | 3,403 |
| Net loans and leases to core deposits | 77.9875% | 4,021 |
| Total domestic deposits to total assets | 86.5842% | 3,187 |
| Equity capital to assets | 12.5965% | 1,573 |
| Core capital (leverage) ratio | 12.2620% | 1,425 |
| Tier 1 risk-based capital ratio | 20.8886% | 1,417 |
| Total risk-based capital ratio | 22.1444% | 1,392 |
| Memoranda: | ||
| Average total assets | $202,122,500 | 3,087 |
| Average earning assets | $182,439,500 | 3,104 |
| Average equity | $25,935,000 | 2,453 |
| Average total loans | $138,738,500 | 2,913 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6706% | 5,896 |
| Cost of funding earning assets | 0.9693% | 5,847 |
| Net interest margin | 3.7014% | 4,335 |
| Noninterest income to average assets | 0.6440% | 3,188 |
| Noninterest expense to average assets | 3.5023% | 2,166 |
| Loan and lease loss provision to assets | 0.7643% | 2,145 |
| Net operating income to assets | -0.1648% | 6,067 |
| Return on assets (ROA) | -0.1648% | 6,122 |
| Pretax return on assets | -0.2559% | 6,130 |
| Return on Equity (ROE) | -1.2737% | 6,093 |
| Retained earnings to average equity (ytd only) | -1.2737% | 5,852 |
| Net charge-offs to loans | 0.6827% | 2,962 |
| Credit loss provision to net charge-offs | 153.4791% | 2,319 |
| Earnings coverage of net charge-offs (x) | 1.0209% | 5,092 |
| Efficiency ratio | 87.3241% | 1,539 |
| Assets per employee ($millions) | 2.9566% | 6,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4422% | 4,323 |
| Loan loss allowance to noncurrent loans | 90.6757% | 3,151 |
| Noncurrent assets plus other real estate owned to assets | 2.5836% | 2,696 |
| Noncurrent loans to loans | 1.5905% | 4,112 |
| Net loans and leases to total assets | 69.4460% | 2,676 |
| Net loans and leases to deposits | 80.6509% | 3,053 |
| Net loans and leases to core deposits | 82.7759% | 3,779 |
| Total domestic deposits to total assets | 86.1070% | 3,304 |
| Equity capital to assets | 13.0757% | 1,359 |
| Core capital (leverage) ratio | 12.9479% | 1,144 |
| Tier 1 risk-based capital ratio | 21.0369% | 1,312 |
| Total risk-based capital ratio | 22.2920% | 1,291 |
| Memoranda: | ||
| Average total assets | $202,011,200 | 3,075 |
| Average earning assets | $183,743,600 | 3,081 |
| Average equity | $26,145,000 | 2,446 |
| Average total loans | $147,349,400 | 2,818 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6912% | 6,058 |
| Cost of funding earning assets | 1.0365% | 5,765 |
| Net interest margin | 3.6547% | 4,610 |
| Noninterest income to average assets | 0.6076% | 3,388 |
| Noninterest expense to average assets | 3.5055% | 2,021 |
| Loan and lease loss provision to assets | 0.6542% | 2,332 |
| Net operating income to assets | -0.1412% | 6,231 |
| Return on assets (ROA) | -0.1412% | 6,317 |
| Pretax return on assets | -0.2240% | 6,336 |
| Return on Equity (ROE) | -1.0939% | 6,288 |
| Retained earnings to average equity (ytd only) | -1.0939% | 6,029 |
| Net charge-offs to loans | 0.8993% | 2,199 |
| Credit loss provision to net charge-offs | 98.9076% | 4,410 |
| Earnings coverage of net charge-offs (x) | 0.6504% | 5,392 |
| Efficiency ratio | 89.0688% | 1,363 |
| Assets per employee ($millions) | 2.9615% | 6,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0329% | 6,253 |
| Loan loss allowance to noncurrent loans | 20.6430% | 6,881 |
| Noncurrent assets plus other real estate owned to assets | 3.9005% | 1,808 |
| Noncurrent loans to loans | 5.0039% | 1,379 |
| Net loans and leases to total assets | 69.6517% | 2,817 |
| Net loans and leases to deposits | 80.7514% | 3,313 |
| Net loans and leases to core deposits | 82.8266% | 4,110 |
| Total domestic deposits to total assets | 86.2545% | 2,948 |
| Equity capital to assets | 12.9207% | 1,622 |
| Core capital (leverage) ratio | 12.8554% | 1,283 |
| Tier 1 risk-based capital ratio | 20.9807% | 1,361 |
| Total risk-based capital ratio | 22.1681% | 1,347 |
| Memoranda: | ||
| Average total assets | $202,991,000 | 3,101 |
| Average earning assets | $184,853,500 | 3,115 |
| Average equity | $26,205,750 | 2,481 |
| Average total loans | $149,291,750 | 2,823 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7396% | 6,013 |
| Cost of funding earning assets | 1.0915% | 5,722 |
| Net interest margin | 3.6481% | 4,588 |
| Noninterest income to average assets | 0.6191% | 3,203 |
| Noninterest expense to average assets | 3.4875% | 2,060 |
| Loan and lease loss provision to assets | 0.5650% | 2,511 |
| Net operating income to assets | -0.0737% | 6,191 |
| Return on assets (ROA) | -0.0737% | 6,277 |
| Pretax return on assets | -0.1130% | 6,261 |
| Return on Equity (ROE) | -0.5710% | 6,267 |
| Retained earnings to average equity (ytd only) | -0.5710% | 5,864 |
| Net charge-offs to loans | 1.0921% | 1,727 |
| Credit loss provision to net charge-offs | 69.3607% | 4,988 |
| Earnings coverage of net charge-offs (x) | 0.5549% | 5,175 |
| Efficiency ratio | 88.5258% | 1,458 |
| Assets per employee ($millions) | 3.0447% | 6,047 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8504% | 6,905 |
| Loan loss allowance to noncurrent loans | 17.2093% | 7,067 |
| Noncurrent assets plus other real estate owned to assets | 3.8008% | 1,833 |
| Noncurrent loans to loans | 4.9416% | 1,405 |
| Net loans and leases to total assets | 68.7579% | 3,183 |
| Net loans and leases to deposits | 79.5444% | 3,677 |
| Net loans and leases to core deposits | 81.6382% | 4,471 |
| Total domestic deposits to total assets | 86.4397% | 2,852 |
| Equity capital to assets | 12.6354% | 1,722 |
| Core capital (leverage) ratio | 12.5403% | 1,395 |
| Tier 1 risk-based capital ratio | 20.5361% | 1,425 |
| Total risk-based capital ratio | 21.5029% | 1,443 |
| Memoranda: | ||
| Average total assets | $203,527,330 | 3,117 |
| Average earning assets | $185,247,000 | 3,130 |
| Average equity | $26,267,670 | 2,470 |
| Average total loans | $151,812,330 | 2,801 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8997% | 5,462 |
| Cost of funding earning assets | 1.1448% | 5,681 |
| Net interest margin | 3.7549% | 3,985 |
| Noninterest income to average assets | 0.6324% | 3,063 |
| Noninterest expense to average assets | 3.4752% | 2,048 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.3430% | 5,113 |
| Return on assets (ROA) | 0.3430% | 5,237 |
| Pretax return on assets | 0.5709% | 4,710 |
| Return on Equity (ROE) | 2.6290% | 5,512 |
| Retained earnings to average equity (ytd only) | 2.6290% | 4,568 |
| Net charge-offs to loans | 0.2257% | 3,573 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 3.2727% | 2,957 |
| Efficiency ratio | 85.8893% | 1,807 |
| Assets per employee ($millions) | 3.0398% | 6,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9282% | 6,745 |
| Loan loss allowance to noncurrent loans | 21.3319% | 6,945 |
| Noncurrent assets plus other real estate owned to assets | 3.2364% | 2,219 |
| Noncurrent loans to loans | 4.3514% | 1,737 |
| Net loans and leases to total assets | 71.6165% | 2,543 |
| Net loans and leases to deposits | 82.8633% | 3,127 |
| Net loans and leases to core deposits | 85.0523% | 4,044 |
| Total domestic deposits to total assets | 86.4272% | 2,927 |
| Equity capital to assets | 12.7755% | 1,612 |
| Core capital (leverage) ratio | 12.7185% | 1,318 |
| Tier 1 risk-based capital ratio | 19.9732% | 1,527 |
| Total risk-based capital ratio | 21.0277% | 1,532 |
| Memoranda: | ||
| Average total assets | $201,772,000 | 3,195 |
| Average earning assets | $183,440,500 | 3,215 |
| Average equity | $26,321,500 | 2,484 |
| Average total loans | $155,930,500 | 2,813 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4235% | 4,574 |
| Cost of funding earning assets | 1.3587% | 6,099 |
| Net interest margin | 4.0648% | 2,591 |
| Noninterest income to average assets | 0.6369% | 3,372 |
| Noninterest expense to average assets | 3.8137% | 1,673 |
| Loan and lease loss provision to assets | 1.7738% | 1,280 |
| Net operating income to assets | -0.7743% | 6,421 |
| Return on assets (ROA) | -0.7743% | 6,418 |
| Pretax return on assets | -1.2345% | 6,557 |
| Return on Equity (ROE) | -5.5450% | 6,269 |
| Retained earnings to average equity (ytd only) | -5.5450% | 6,091 |
| Net charge-offs to loans | 2.2517% | 1,045 |
| Credit loss provision to net charge-offs | 96.6602% | 5,749 |
| Earnings coverage of net charge-offs (x) | 0.2939% | 5,820 |
| Efficiency ratio | 87.6100% | 1,920 |
| Assets per employee ($millions) | 2.8527% | 6,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9080% | 6,779 |
| Loan loss allowance to noncurrent loans | 37.4461% | 5,936 |
| Noncurrent assets plus other real estate owned to assets | 2.0799% | 3,301 |
| Noncurrent loans to loans | 2.4249% | 3,133 |
| Net loans and leases to total assets | 81.7747% | 721 |
| Net loans and leases to deposits | 95.1700% | 1,437 |
| Net loans and leases to core deposits | 107.3216% | 3,180 |
| Total domestic deposits to total assets | 85.9248% | 3,055 |
| Equity capital to assets | 13.3284% | 1,386 |
| Core capital (leverage) ratio | 13.3284% | 1,150 |
| Tier 1 risk-based capital ratio | 19.0589% | 1,641 |
| Total risk-based capital ratio | 20.1305% | 1,645 |
| Memoranda: | ||
| Average total assets | $195,792,600 | 3,230 |
| Average earning assets | $178,998,800 | 3,226 |
| Average equity | $27,339,800 | 2,421 |
| Average total loans | $159,571,200 | 2,767 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5227% | 4,305 |
| Cost of funding earning assets | 1.3987% | 6,239 |
| Net interest margin | 4.1240% | 2,307 |
| Noninterest income to average assets | 0.6041% | 3,668 |
| Noninterest expense to average assets | 3.7538% | 1,699 |
| Loan and lease loss provision to assets | 1.2322% | 1,576 |
| Net operating income to assets | -0.3723% | 6,284 |
| Return on assets (ROA) | -0.3723% | 6,283 |
| Pretax return on assets | -0.6021% | 6,392 |
| Return on Equity (ROE) | -2.6361% | 6,181 |
| Retained earnings to average equity (ytd only) | -2.6361% | 5,847 |
| Net charge-offs to loans | 1.5813% | 1,295 |
| Credit loss provision to net charge-offs | 95.9130% | 5,307 |
| Earnings coverage of net charge-offs (x) | 0.4904% | 5,543 |
| Efficiency ratio | 85.6276% | 2,102 |
| Assets per employee ($millions) | 2.7862% | 6,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9355% | 6,617 |
| Loan loss allowance to noncurrent loans | 98.5075% | 2,814 |
| Noncurrent assets plus other real estate owned to assets | 0.8578% | 5,376 |
| Noncurrent loans to loans | 0.9497% | 5,396 |
| Net loans and leases to total assets | 83.6174% | 587 |
| Net loans and leases to deposits | 98.4753% | 1,270 |
| Net loans and leases to core deposits | 108.0076% | 3,472 |
| Total domestic deposits to total assets | 84.9121% | 3,282 |
| Equity capital to assets | 14.1511% | 1,254 |
| Core capital (leverage) ratio | 14.1511% | 1,054 |
| Tier 1 risk-based capital ratio | 20.0429% | 1,550 |
| Total risk-based capital ratio | 21.1612% | 1,532 |
| Memoranda: | ||
| Average total assets | $195,531,750 | 3,251 |
| Average earning assets | $179,207,000 | 3,246 |
| Average equity | $27,616,000 | 2,424 |
| Average total loans | $158,854,750 | 2,814 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5963% | 4,102 |
| Cost of funding earning assets | 1.4213% | 6,410 |
| Net interest margin | 4.1750% | 2,078 |
| Noninterest income to average assets | 0.6337% | 3,449 |
| Noninterest expense to average assets | 3.6343% | 1,984 |
| Loan and lease loss provision to assets | 0.6784% | 2,396 |
| Net operating income to assets | 0.0793% | 5,624 |
| Return on assets (ROA) | 0.0793% | 5,717 |
| Pretax return on assets | 0.1394% | 5,587 |
| Return on Equity (ROE) | 0.5621% | 5,768 |
| Retained earnings to average equity (ytd only) | 0.5621% | 4,973 |
| Net charge-offs to loans | 0.9257% | 1,858 |
| Credit loss provision to net charge-offs | 91.3699% | 4,879 |
| Earnings coverage of net charge-offs (x) | 1.1014% | 4,691 |
| Efficiency ratio | 81.6313% | 2,773 |
| Assets per employee ($millions) | 2.8740% | 6,465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9506% | 6,551 |
| Loan loss allowance to noncurrent loans | 94.5713% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.8847% | 5,222 |
| Noncurrent loans to loans | 1.0052% | 5,195 |
| Net loans and leases to total assets | 81.7295% | 1,000 |
| Net loans and leases to deposits | 96.1777% | 1,771 |
| Net loans and leases to core deposits | 106.2848% | 3,805 |
| Total domestic deposits to total assets | 84.9776% | 3,272 |
| Equity capital to assets | 14.2395% | 1,237 |
| Core capital (leverage) ratio | 14.2395% | 1,084 |
| Tier 1 risk-based capital ratio | 20.6342% | 1,455 |
| Total risk-based capital ratio | 21.7709% | 1,444 |
| Memoranda: | ||
| Average total assets | $196,626,670 | 3,263 |
| Average earning assets | $179,832,330 | 3,260 |
| Average equity | $27,753,000 | 2,419 |
| Average total loans | $157,716,330 | 2,862 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6293% | 4,182 |
| Cost of funding earning assets | 1.4328% | 6,627 |
| Net interest margin | 4.1964% | 1,911 |
| Noninterest income to average assets | 0.6652% | 3,105 |
| Noninterest expense to average assets | 3.5716% | 1,923 |
| Loan and lease loss provision to assets | 1.1642% | 1,116 |
| Net operating income to assets | -0.1481% | 6,478 |
| Return on assets (ROA) | -0.1481% | 6,580 |
| Pretax return on assets | -0.2332% | 6,608 |
| Return on Equity (ROE) | -1.0536% | 6,544 |
| Retained earnings to average equity (ytd only) | -1.0536% | 5,897 |
| Net charge-offs to loans | 0.7721% | 1,663 |
| Credit loss provision to net charge-offs | 190.6977% | 2,304 |
| Earnings coverage of net charge-offs (x) | 1.5249% | 3,967 |
| Efficiency ratio | 79.3243% | 2,940 |
| Assets per employee ($millions) | 2.8562% | 6,515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 4,876 |
| Loan loss allowance to noncurrent loans | 97.3424% | 3,134 |
| Noncurrent assets plus other real estate owned to assets | 0.9737% | 4,760 |
| Noncurrent loans to loans | 1.2211% | 4,530 |
| Net loans and leases to total assets | 78.7915% | 1,629 |
| Net loans and leases to deposits | 94.1410% | 2,252 |
| Net loans and leases to core deposits | 103.1699% | 4,228 |
| Total domestic deposits to total assets | 83.6952% | 3,845 |
| Equity capital to assets | 14.0443% | 1,350 |
| Core capital (leverage) ratio | 14.0443% | 1,183 |
| Tier 1 risk-based capital ratio | 20.5870% | 1,508 |
| Total risk-based capital ratio | 21.8388% | 1,479 |
| Memoranda: | ||
| Average total assets | $197,222,500 | 3,271 |
| Average earning assets | $180,343,000 | 3,272 |
| Average equity | $27,715,000 | 2,439 |
| Average total loans | $155,944,000 | 2,917 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1150% | 4,964 |
| Cost of funding earning assets | 1.9014% | 6,721 |
| Net interest margin | 4.2136% | 2,264 |
| Noninterest income to average assets | 1.4840% | 639 |
| Noninterest expense to average assets | 3.9232% | 1,525 |
| Loan and lease loss provision to assets | 0.1316% | 5,682 |
| Net operating income to assets | 1.2358% | 1,664 |
| Return on assets (ROA) | 1.2358% | 1,609 |
| Pretax return on assets | 1.2828% | 2,372 |
| Return on Equity (ROE) | 9.1699% | 2,585 |
| Retained earnings to average equity (ytd only) | 9.1699% | 577 |
| Net charge-offs to loans | 0.1075% | 5,213 |
| Credit loss provision to net charge-offs | 157.4074% | 3,304 |
| Earnings coverage of net charge-offs (x) | 16.9198% | 1,806 |
| Efficiency ratio | 73.5015% | 3,663 |
| Assets per employee ($millions) | 2.9025% | 6,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0327% | 5,759 |
| Loan loss allowance to noncurrent loans | 92.8530% | 3,668 |
| Noncurrent assets plus other real estate owned to assets | 0.8720% | 4,675 |
| Noncurrent loans to loans | 1.1122% | 4,325 |
| Net loans and leases to total assets | 77.5921% | 2,237 |
| Net loans and leases to deposits | 93.7658% | 2,810 |
| Net loans and leases to core deposits | 103.0746% | 4,500 |
| Total domestic deposits to total assets | 82.7510% | 3,877 |
| Equity capital to assets | 14.0610% | 1,407 |
| Core capital (leverage) ratio | 14.0610% | 1,249 |
| Tier 1 risk-based capital ratio | 20.5137% | 1,533 |
| Total risk-based capital ratio | 21.6949% | 1,509 |
| Memoranda: | ||
| Average total assets | $193,796,600 | 3,213 |
| Average earning assets | $177,237,000 | 3,223 |
| Average equity | $26,118,000 | 2,547 |
| Average total loans | $150,726,400 | 2,914 |