Home > Synergy Bank, S.S.B. > Performance and Condition Ratios
Synergy Bank, S.S.B., Performance and Condition Ratios
| 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 | 4.9885% | 534 |
| Cost of funding earning assets | 0.7007% | 841 |
| Net interest margin | 4.2878% | 814 |
| Noninterest income to average assets | 0.3153% | 4,295 |
| Noninterest expense to average assets | 3.6934% | 788 |
| Loan and lease loss provision to assets | 0.1680% | 1,061 |
| Net operating income to assets | 0.1034% | 5,510 |
| Return on assets (ROA) | 0.1034% | 5,515 |
| Pretax return on assets | 0.1551% | 5,479 |
| Return on Equity (ROE) | 0.8931% | 5,516 |
| Retained earnings to average equity (ytd only) | 0.8931% | 4,696 |
| Net charge-offs to loans | -0.0195% | 4,735 |
| Credit loss provision to net charge-offs | -1,083.3333% | 4,442 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6988% | 468 |
| Assets per employee ($millions) | 3.3949% | 4,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8327% | 4,981 |
| Loan loss allowance to noncurrent loans | 49.5947% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 2.6997% | 396 |
| Noncurrent loans to loans | 1.6791% | 1,146 |
| Net loans and leases to total assets | 79.3060% | 930 |
| Net loans and leases to deposits | 97.0102% | 852 |
| Net loans and leases to core deposits | 101.4142% | 1,412 |
| Total domestic deposits to total assets | 81.7502% | 4,231 |
| Equity capital to assets | 11.4865% | 2,190 |
| Core capital (leverage) ratio | 9.0117% | 4,722 |
| Tier 1 risk-based capital ratio | 11.6536% | 4,943 |
| Total risk-based capital ratio | 12.5607% | 5,042 |
| Memoranda: | ||
| Average total assets | $154,764,500 | 3,493 |
| Average earning assets | $133,587,500 | 3,633 |
| Average equity | $17,915,000 | 3,418 |
| Average total loans | $122,852,000 | 3,076 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9349% | 678 |
| Cost of funding earning assets | 0.6787% | 918 |
| Net interest margin | 4.2562% | 1,002 |
| Noninterest income to average assets | 0.6168% | 2,568 |
| Noninterest expense to average assets | 3.9944% | 602 |
| Loan and lease loss provision to assets | 0.1814% | 1,314 |
| Net operating income to assets | -0.0692% | 5,673 |
| Return on assets (ROA) | -0.0692% | 5,685 |
| Pretax return on assets | 0.0789% | 5,613 |
| Return on Equity (ROE) | -0.5527% | 5,685 |
| Retained earnings to average equity (ytd only) | -0.5527% | 5,387 |
| Net charge-offs to loans | 0.0845% | 2,484 |
| Credit loss provision to net charge-offs | 278.7234% | 1,046 |
| Earnings coverage of net charge-offs (x) | 4.0000% | 3,576 |
| Efficiency ratio | 93.6056% | 394 |
| Assets per employee ($millions) | 3.4081% | 4,894 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8012% | 5,102 |
| Loan loss allowance to noncurrent loans | 27.5156% | 5,132 |
| Noncurrent assets plus other real estate owned to assets | 3.6756% | 225 |
| Noncurrent loans to loans | 2.9119% | 477 |
| Net loans and leases to total assets | 78.1460% | 1,183 |
| Net loans and leases to deposits | 92.3008% | 1,407 |
| Net loans and leases to core deposits | 96.4113% | 1,887 |
| Total domestic deposits to total assets | 84.6645% | 3,186 |
| Equity capital to assets | 11.6664% | 2,029 |
| Core capital (leverage) ratio | 9.0816% | 4,643 |
| Tier 1 risk-based capital ratio | 11.2875% | 5,176 |
| Total risk-based capital ratio | 12.1095% | 5,305 |
| Memoranda: | ||
| Average total assets | $144,453,600 | 3,599 |
| Average earning assets | $123,468,200 | 3,758 |
| Average equity | $18,093,800 | 3,392 |
| Average total loans | $111,180,400 | 3,202 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9450% | 664 |
| Cost of funding earning assets | 0.6761% | 921 |
| Net interest margin | 4.2689% | 989 |
| Noninterest income to average assets | 0.9234% | 1,333 |
| Noninterest expense to average assets | 4.1192% | 522 |
| Loan and lease loss provision to assets | 0.1837% | 1,193 |
| Net operating income to assets | 0.1912% | 5,480 |
| Return on assets (ROA) | 0.1912% | 5,544 |
| Pretax return on assets | 0.2606% | 5,498 |
| Return on Equity (ROE) | 1.4990% | 5,559 |
| Retained earnings to average equity (ytd only) | 1.4990% | 4,914 |
| Net charge-offs to loans | 0.0356% | 2,918 |
| Credit loss provision to net charge-offs | 675.8621% | 575 |
| Earnings coverage of net charge-offs (x) | 16.3429% | 2,118 |
| Efficiency ratio | 89.9959% | 559 |
| Assets per employee ($millions) | 3.3022% | 5,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8423% | 5,064 |
| Loan loss allowance to noncurrent loans | 33.8343% | 5,105 |
| Noncurrent assets plus other real estate owned to assets | 3.6846% | 249 |
| Noncurrent loans to loans | 2.4895% | 711 |
| Net loans and leases to total assets | 75.0188% | 1,700 |
| Net loans and leases to deposits | 85.8315% | 2,280 |
| Net loans and leases to core deposits | 89.6683% | 2,603 |
| Total domestic deposits to total assets | 87.4024% | 1,712 |
| Equity capital to assets | 12.0328% | 2,097 |
| Core capital (leverage) ratio | 9.4597% | 4,237 |
| Tier 1 risk-based capital ratio | 12.5115% | 4,465 |
| Total risk-based capital ratio | 13.4106% | 4,594 |
| Memoranda: | ||
| Average total assets | $142,226,250 | 3,647 |
| Average earning assets | $121,277,000 | 3,828 |
| Average equity | $18,144,250 | 3,407 |
| Average total loans | $108,771,750 | 3,238 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9700% | 626 |
| Cost of funding earning assets | 0.6699% | 937 |
| Net interest margin | 4.3001% | 924 |
| Noninterest income to average assets | 1.0072% | 1,099 |
| Noninterest expense to average assets | 4.2647% | 461 |
| Loan and lease loss provision to assets | 0.1885% | 1,153 |
| Net operating income to assets | 0.1540% | 5,608 |
| Return on assets (ROA) | 0.1540% | 5,655 |
| Pretax return on assets | 0.2115% | 5,607 |
| Return on Equity (ROE) | 1.1823% | 5,658 |
| Retained earnings to average equity (ytd only) | 1.1823% | 4,908 |
| Net charge-offs to loans | 0.0431% | 2,603 |
| Credit loss provision to net charge-offs | 569.5652% | 595 |
| Earnings coverage of net charge-offs (x) | 12.0870% | 2,208 |
| Efficiency ratio | 91.1474% | 540 |
| Assets per employee ($millions) | 3.1459% | 5,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8164% | 5,235 |
| Loan loss allowance to noncurrent loans | 33.8926% | 5,201 |
| Noncurrent assets plus other real estate owned to assets | 3.8279% | 251 |
| Noncurrent loans to loans | 2.4088% | 746 |
| Net loans and leases to total assets | 78.0067% | 1,206 |
| Net loans and leases to deposits | 90.1750% | 1,735 |
| Net loans and leases to core deposits | 93.7238% | 2,193 |
| Total domestic deposits to total assets | 86.5059% | 2,167 |
| Equity capital to assets | 12.8407% | 1,588 |
| Core capital (leverage) ratio | 9.5665% | 4,109 |
| Tier 1 risk-based capital ratio | 12.4569% | 4,552 |
| Total risk-based capital ratio | 13.3062% | 4,707 |
| Memoranda: | ||
| Average total assets | $139,001,000 | 3,734 |
| Average earning assets | $118,229,000 | 3,908 |
| Average equity | $18,099,670 | 3,428 |
| Average total loans | $106,721,330 | 3,294 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9119% | 679 |
| Cost of funding earning assets | 0.6426% | 1,092 |
| Net interest margin | 4.2693% | 972 |
| Noninterest income to average assets | 1.0950% | 904 |
| Noninterest expense to average assets | 4.3451% | 438 |
| Loan and lease loss provision to assets | 0.1888% | 1,049 |
| Net operating income to assets | 0.1365% | 5,627 |
| Return on assets (ROA) | 0.1365% | 5,679 |
| Pretax return on assets | 0.1888% | 5,651 |
| Return on Equity (ROE) | 1.0409% | 5,683 |
| Retained earnings to average equity (ytd only) | 1.0409% | 4,819 |
| Net charge-offs to loans | 0.0958% | 1,558 |
| Credit loss provision to net charge-offs | 260.0000% | 927 |
| Earnings coverage of net charge-offs (x) | 5.2000% | 2,351 |
| Efficiency ratio | 91.7589% | 568 |
| Assets per employee ($millions) | 3.0110% | 5,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7873% | 5,406 |
| Loan loss allowance to noncurrent loans | 27.2786% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 4.2013% | 225 |
| Noncurrent loans to loans | 2.8862% | 582 |
| Net loans and leases to total assets | 76.5148% | 1,319 |
| Net loans and leases to deposits | 88.5421% | 1,762 |
| Net loans and leases to core deposits | 91.6510% | 2,218 |
| Total domestic deposits to total assets | 86.4163% | 2,485 |
| Equity capital to assets | 13.0689% | 1,377 |
| Core capital (leverage) ratio | 9.9564% | 3,591 |
| Tier 1 risk-based capital ratio | 13.0238% | 4,255 |
| Total risk-based capital ratio | 13.8511% | 4,430 |
| Memoranda: | ||
| Average total assets | $137,718,500 | 3,785 |
| Average earning assets | $117,021,500 | 3,958 |
| Average equity | $18,060,500 | 3,426 |
| Average total loans | $104,412,000 | 3,344 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6785% | 1,155 |
| Cost of funding earning assets | 0.6113% | 1,303 |
| Net interest margin | 4.0672% | 1,494 |
| Noninterest income to average assets | 1.6581% | 472 |
| Noninterest expense to average assets | 4.4142% | 431 |
| Loan and lease loss provision to assets | 0.0758% | 2,756 |
| Net operating income to assets | 0.4141% | 5,006 |
| Return on assets (ROA) | 0.4141% | 5,091 |
| Pretax return on assets | 0.5681% | 4,938 |
| Return on Equity (ROE) | 2.9916% | 5,309 |
| Retained earnings to average equity (ytd only) | 2.9916% | 3,933 |
| Net charge-offs to loans | 0.1048% | 2,347 |
| Credit loss provision to net charge-offs | 102.1053% | 2,455 |
| Earnings coverage of net charge-offs (x) | 8.6737% | 2,919 |
| Efficiency ratio | 87.0076% | 909 |
| Assets per employee ($millions) | 2.9768% | 5,538 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7843% | 5,450 |
| Loan loss allowance to noncurrent loans | 25.5591% | 5,402 |
| Noncurrent assets plus other real estate owned to assets | 4.3116% | 232 |
| Noncurrent loans to loans | 3.0684% | 512 |
| Net loans and leases to total assets | 73.9099% | 1,748 |
| Net loans and leases to deposits | 86.9446% | 2,011 |
| Net loans and leases to core deposits | 90.0442% | 2,401 |
| Total domestic deposits to total assets | 85.0080% | 3,090 |
| Equity capital to assets | 13.1597% | 1,275 |
| Core capital (leverage) ratio | 10.0601% | 3,428 |
| Tier 1 risk-based capital ratio | 13.6060% | 3,945 |
| Total risk-based capital ratio | 14.4337% | 4,105 |
| Memoranda: | ||
| Average total assets | $127,974,800 | 3,934 |
| Average earning assets | $106,978,000 | 4,117 |
| Average equity | $17,716,200 | 3,421 |
| Average total loans | $90,642,600 | 3,577 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6722% | 1,152 |
| Cost of funding earning assets | 0.6077% | 1,361 |
| Net interest margin | 4.0644% | 1,515 |
| Noninterest income to average assets | 1.6362% | 476 |
| Noninterest expense to average assets | 4.5279% | 402 |
| Loan and lease loss provision to assets | 0.0668% | 2,844 |
| Net operating income to assets | 0.3075% | 5,432 |
| Return on assets (ROA) | 0.3075% | 5,518 |
| Pretax return on assets | 0.4242% | 5,412 |
| Return on Equity (ROE) | 2.1919% | 5,630 |
| Retained earnings to average equity (ytd only) | 2.1919% | 4,788 |
| Net charge-offs to loans | 0.0805% | 2,408 |
| Credit loss provision to net charge-offs | 118.8679% | 2,003 |
| Earnings coverage of net charge-offs (x) | 8.7365% | 2,772 |
| Efficiency ratio | 89.9430% | 705 |
| Assets per employee ($millions) | 3.0344% | 5,508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8267% | 5,450 |
| Loan loss allowance to noncurrent loans | 16.9994% | 5,606 |
| Noncurrent assets plus other real estate owned to assets | 5.6533% | 155 |
| Noncurrent loans to loans | 4.8630% | 219 |
| Net loans and leases to total assets | 72.6913% | 1,958 |
| Net loans and leases to deposits | 85.8808% | 2,159 |
| Net loans and leases to core deposits | 88.4044% | 2,624 |
| Total domestic deposits to total assets | 84.6421% | 3,159 |
| Equity capital to assets | 13.3469% | 1,294 |
| Core capital (leverage) ratio | 9.9259% | 3,734 |
| Tier 1 risk-based capital ratio | 14.1993% | 3,724 |
| Total risk-based capital ratio | 15.0940% | 3,883 |
| Memoranda: | ||
| Average total assets | $125,735,250 | 4,009 |
| Average earning assets | $104,645,500 | 4,223 |
| Average equity | $17,640,250 | 3,457 |
| Average total loans | $87,801,500 | 3,674 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5433% | 1,417 |
| Cost of funding earning assets | 0.5984% | 1,427 |
| Net interest margin | 3.9449% | 1,833 |
| Noninterest income to average assets | 1.5218% | 550 |
| Noninterest expense to average assets | 4.4599% | 441 |
| Loan and lease loss provision to assets | 0.1023% | 2,129 |
| Net operating income to assets | 0.1527% | 5,805 |
| Return on assets (ROA) | 0.1527% | 5,852 |
| Pretax return on assets | 0.2144% | 5,790 |
| Return on Equity (ROE) | 1.0694% | 5,892 |
| Retained earnings to average equity (ytd only) | 1.0694% | 5,144 |
| Net charge-offs to loans | 0.1255% | 1,749 |
| Credit loss provision to net charge-offs | 118.8679% | 1,822 |
| Earnings coverage of net charge-offs (x) | 3.6792% | 3,155 |
| Efficiency ratio | 93.0976% | 568 |
| Assets per employee ($millions) | 2.9484% | 5,654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8624% | 5,429 |
| Loan loss allowance to noncurrent loans | 20.8990% | 5,663 |
| Noncurrent assets plus other real estate owned to assets | 5.1399% | 207 |
| Noncurrent loans to loans | 4.1264% | 359 |
| Net loans and leases to total assets | 71.6881% | 2,047 |
| Net loans and leases to deposits | 88.0933% | 1,825 |
| Net loans and leases to core deposits | 89.9856% | 2,352 |
| Total domestic deposits to total assets | 81.3775% | 4,495 |
| Equity capital to assets | 13.5643% | 1,148 |
| Core capital (leverage) ratio | 10.7754% | 2,649 |
| Tier 1 risk-based capital ratio | 14.4305% | 3,676 |
| Total risk-based capital ratio | 15.3497% | 3,795 |
| Memoranda: | ||
| Average total assets | $123,142,330 | 4,090 |
| Average earning assets | $101,600,670 | 4,326 |
| Average equity | $17,580,330 | 3,481 |
| Average total loans | $84,448,000 | 3,768 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5401% | 1,352 |
| Cost of funding earning assets | 0.5909% | 1,498 |
| Net interest margin | 3.9491% | 1,717 |
| Noninterest income to average assets | 1.6921% | 447 |
| Noninterest expense to average assets | 4.3755% | 470 |
| Loan and lease loss provision to assets | 0.1135% | 1,821 |
| Net operating income to assets | 0.3104% | 5,375 |
| Return on assets (ROA) | 0.3104% | 5,477 |
| Pretax return on assets | 0.4372% | 5,345 |
| Return on Equity (ROE) | 2.1170% | 5,663 |
| Retained earnings to average equity (ytd only) | 2.1170% | 4,619 |
| Net charge-offs to loans | 0.1254% | 1,507 |
| Credit loss provision to net charge-offs | 136.0000% | 1,336 |
| Earnings coverage of net charge-offs (x) | 6.6000% | 2,267 |
| Efficiency ratio | 88.5501% | 971 |
| Assets per employee ($millions) | 2.8643% | 5,815 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0043% | 4,991 |
| Loan loss allowance to noncurrent loans | 16.1697% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 6.3273% | 159 |
| Noncurrent loans to loans | 6.2109% | 171 |
| Net loans and leases to total assets | 64.6669% | 2,993 |
| Net loans and leases to deposits | 78.2833% | 2,763 |
| Net loans and leases to core deposits | 80.0255% | 3,164 |
| Total domestic deposits to total assets | 82.6063% | 4,302 |
| Equity capital to assets | 14.3060% | 886 |
| Core capital (leverage) ratio | 11.2946% | 2,160 |
| Tier 1 risk-based capital ratio | 16.1510% | 2,847 |
| Total risk-based capital ratio | 17.1777% | 2,898 |
| Memoranda: | ||
| Average total assets | $119,848,500 | 4,186 |
| Average earning assets | $98,148,000 | 4,450 |
| Average equity | $17,572,000 | 3,507 |
| Average total loans | $79,767,000 | 3,900 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9134% | 906 |
| Cost of funding earning assets | 0.6328% | 1,531 |
| Net interest margin | 4.2805% | 1,091 |
| Noninterest income to average assets | -0.2433% | 6,480 |
| Noninterest expense to average assets | 4.4195% | 495 |
| Loan and lease loss provision to assets | 0.0034% | 4,535 |
| Net operating income to assets | -0.8788% | 6,359 |
| Return on assets (ROA) | -0.8701% | 6,356 |
| Pretax return on assets | -1.2595% | 6,401 |
| Return on Equity (ROE) | -5.6538% | 6,304 |
| Retained earnings to average equity (ytd only) | -5.6538% | 6,205 |
| Net charge-offs to loans | 0.2461% | 1,741 |
| Credit loss provision to net charge-offs | 2.0833% | 4,187 |
| Earnings coverage of net charge-offs (x) | -7.8750% | 4,906 |
| Efficiency ratio | 139.8136% | 69 |
| Assets per employee ($millions) | 2.7764% | 5,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 4,986 |
| Loan loss allowance to noncurrent loans | 18.0606% | 5,855 |
| Noncurrent assets plus other real estate owned to assets | 6.8306% | 157 |
| Noncurrent loans to loans | 5.5970% | 225 |
| Net loans and leases to total assets | 67.1006% | 2,711 |
| Net loans and leases to deposits | 79.6296% | 2,770 |
| Net loans and leases to core deposits | 80.8322% | 3,208 |
| Total domestic deposits to total assets | 84.2660% | 3,604 |
| Equity capital to assets | 15.0926% | 694 |
| Core capital (leverage) ratio | 11.0330% | 2,378 |
| Tier 1 risk-based capital ratio | 16.6722% | 2,648 |
| Total risk-based capital ratio | 17.7320% | 2,674 |
| Memoranda: | ||
| Average total assets | $119,175,400 | 4,198 |
| Average earning assets | $94,497,600 | 4,544 |
| Average equity | $18,341,600 | 3,367 |
| Average total loans | $78,028,600 | 3,932 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9780% | 798 |
| Cost of funding earning assets | 0.6306% | 1,596 |
| Net interest margin | 4.3475% | 960 |
| Noninterest income to average assets | 0.2259% | 5,580 |
| Noninterest expense to average assets | 4.2363% | 591 |
| Loan and lease loss provision to assets | 0.0056% | 4,302 |
| Net operating income to assets | -0.4104% | 6,345 |
| Return on assets (ROA) | -0.4173% | 6,346 |
| Pretax return on assets | -0.6042% | 6,386 |
| Return on Equity (ROE) | -2.6987% | 6,306 |
| Retained earnings to average equity (ytd only) | -2.6987% | 6,122 |
| Net charge-offs to loans | 0.3206% | 1,245 |
| Credit loss provision to net charge-offs | 2.6738% | 3,780 |
| Earnings coverage of net charge-offs (x) | -2.8289% | 4,591 |
| Efficiency ratio | 115.7718% | 165 |
| Assets per employee ($millions) | 2.9591% | 5,778 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0694% | 4,882 |
| Loan loss allowance to noncurrent loans | 15.2215% | 5,991 |
| Noncurrent assets plus other real estate owned to assets | 10.4416% | 85 |
| Noncurrent loans to loans | 7.0259% | 163 |
| Net loans and leases to total assets | 62.8364% | 3,367 |
| Net loans and leases to deposits | 74.6205% | 3,355 |
| Net loans and leases to core deposits | 75.9246% | 3,751 |
| Total domestic deposits to total assets | 84.2079% | 3,681 |
| Equity capital to assets | 15.4009% | 654 |
| Core capital (leverage) ratio | 11.8627% | 1,780 |
| Tier 1 risk-based capital ratio | 17.5105% | 2,392 |
| Total risk-based capital ratio | 18.5418% | 2,438 |
| Memoranda: | ||
| Average total assets | $119,817,500 | 4,223 |
| Average earning assets | $94,305,750 | 4,593 |
| Average equity | $18,527,250 | 3,361 |
| Average total loans | $77,775,000 | 3,971 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0357% | 702 |
| Cost of funding earning assets | 0.6292% | 1,652 |
| Net interest margin | 4.4065% | 839 |
| Noninterest income to average assets | 0.9460% | 1,341 |
| Noninterest expense to average assets | 4.1229% | 659 |
| Loan and lease loss provision to assets | 0.0083% | 4,068 |
| Net operating income to assets | 0.1953% | 5,851 |
| Return on assets (ROA) | 0.1845% | 5,929 |
| Pretax return on assets | 0.2577% | 5,856 |
| Return on Equity (ROE) | 1.1918% | 6,019 |
| Retained earnings to average equity (ytd only) | 1.1918% | 5,278 |
| Net charge-offs to loans | 0.1017% | 2,663 |
| Credit loss provision to net charge-offs | 12.5000% | 3,279 |
| Earnings coverage of net charge-offs (x) | 4.2250% | 3,152 |
| Efficiency ratio | 93.3182% | 677 |
| Assets per employee ($millions) | 3.3906% | 5,075 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1873% | 4,481 |
| Loan loss allowance to noncurrent loans | 13.3699% | 6,063 |
| Noncurrent assets plus other real estate owned to assets | 11.7005% | 76 |
| Noncurrent loans to loans | 8.8801% | 102 |
| Net loans and leases to total assets | 64.8427% | 2,937 |
| Net loans and leases to deposits | 76.7811% | 2,957 |
| Net loans and leases to core deposits | 79.0265% | 3,320 |
| Total domestic deposits to total assets | 84.4515% | 3,748 |
| Equity capital to assets | 15.3544% | 633 |
| Core capital (leverage) ratio | 12.2446% | 1,528 |
| Tier 1 risk-based capital ratio | 17.6274% | 2,371 |
| Total risk-based capital ratio | 18.7958% | 2,371 |
| Memoranda: | ||
| Average total assets | $120,302,330 | 4,232 |
| Average earning assets | $94,406,670 | 4,631 |
| Average equity | $18,626,670 | 3,341 |
| Average total loans | $78,640,330 | 3,951 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1422% | 548 |
| Cost of funding earning assets | 0.6315% | 1,718 |
| Net interest margin | 4.5107% | 645 |
| Noninterest income to average assets | 0.3885% | 4,285 |
| Noninterest expense to average assets | 4.1701% | 626 |
| Loan and lease loss provision to assets | 0.0167% | 3,614 |
| Net operating income to assets | -0.2084% | 6,359 |
| Return on assets (ROA) | -0.2010% | 6,358 |
| Pretax return on assets | -0.2713% | 6,374 |
| Return on Equity (ROE) | -1.2925% | 6,319 |
| Retained earnings to average equity (ytd only) | -1.2925% | 5,769 |
| Net charge-offs to loans | 0.1489% | 1,824 |
| Credit loss provision to net charge-offs | 17.2414% | 2,533 |
| Earnings coverage of net charge-offs (x) | -2.7241% | 3,550 |
| Efficiency ratio | 106.4322% | 327 |
| Assets per employee ($millions) | 3.3652% | 5,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2216% | 4,542 |
| Loan loss allowance to noncurrent loans | 13.5512% | 6,155 |
| Noncurrent assets plus other real estate owned to assets | 11.9012% | 77 |
| Noncurrent loans to loans | 9.0146% | 128 |
| Net loans and leases to total assets | 64.2096% | 2,856 |
| Net loans and leases to deposits | 76.1806% | 2,795 |
| Net loans and leases to core deposits | 78.4580% | 3,155 |
| Total domestic deposits to total assets | 84.2860% | 4,170 |
| Equity capital to assets | 15.3045% | 628 |
| Core capital (leverage) ratio | 12.1298% | 1,589 |
| Tier 1 risk-based capital ratio | 18.2243% | 2,194 |
| Total risk-based capital ratio | 19.4749% | 2,160 |
| Memoranda: | ||
| Average total assets | $119,422,000 | 4,291 |
| Average earning assets | $93,112,500 | 4,703 |
| Average equity | $18,569,000 | 3,343 |
| Average total loans | $77,910,500 | 3,997 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4779% | 376 |
| Cost of funding earning assets | 0.7602% | 1,438 |
| Net interest margin | 4.7177% | 498 |
| Noninterest income to average assets | 1.3834% | 733 |
| Noninterest expense to average assets | 4.3159% | 619 |
| Loan and lease loss provision to assets | 0.1800% | 2,048 |
| Net operating income to assets | 0.3015% | 5,517 |
| Return on assets (ROA) | 0.3015% | 5,614 |
| Pretax return on assets | 0.4238% | 5,432 |
| Return on Equity (ROE) | 1.9296% | 5,865 |
| Retained earnings to average equity (ytd only) | 1.9296% | 4,861 |
| Net charge-offs to loans | 0.7834% | 803 |
| Credit loss provision to net charge-offs | 36.3636% | 4,118 |
| Earnings coverage of net charge-offs (x) | 1.2196% | 4,666 |
| Efficiency ratio | 87.4331% | 1,278 |
| Assets per employee ($millions) | 3.2694% | 5,344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2793% | 4,247 |
| Loan loss allowance to noncurrent loans | 18.8024% | 6,196 |
| Noncurrent assets plus other real estate owned to assets | 10.6740% | 112 |
| Noncurrent loans to loans | 6.8041% | 254 |
| Net loans and leases to total assets | 64.6448% | 2,931 |
| Net loans and leases to deposits | 77.2625% | 2,822 |
| Net loans and leases to core deposits | 79.6568% | 3,168 |
| Total domestic deposits to total assets | 83.6691% | 4,292 |
| Equity capital to assets | 15.8007% | 558 |
| Core capital (leverage) ratio | 12.3646% | 1,418 |
| Tier 1 risk-based capital ratio | 17.8163% | 2,302 |
| Total risk-based capital ratio | 19.0663% | 2,272 |
| Memoranda: | ||
| Average total assets | $117,750,200 | 4,321 |
| Average earning assets | $88,264,000 | 4,825 |
| Average equity | $18,398,000 | 3,354 |
| Average total loans | $74,415,600 | 4,111 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3050% | 527 |
| Cost of funding earning assets | 0.7858% | 1,405 |
| Net interest margin | 4.5191% | 712 |
| Noninterest income to average assets | 1.8557% | 460 |
| Noninterest expense to average assets | 4.3997% | 577 |
| Loan and lease loss provision to assets | 0.2400% | 1,499 |
| Net operating income to assets | 0.4132% | 5,194 |
| Return on assets (ROA) | 0.4132% | 5,332 |
| Pretax return on assets | 0.5887% | 5,059 |
| Return on Equity (ROE) | 2.6523% | 5,732 |
| Retained earnings to average equity (ytd only) | 2.6523% | 4,734 |
| Net charge-offs to loans | 0.9907% | 576 |
| Credit loss provision to net charge-offs | 38.6861% | 3,732 |
| Earnings coverage of net charge-offs (x) | 1.3358% | 4,392 |
| Efficiency ratio | 83.8675% | 1,617 |
| Assets per employee ($millions) | 3.1255% | 5,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3647% | 4,055 |
| Loan loss allowance to noncurrent loans | 18.6928% | 6,276 |
| Noncurrent assets plus other real estate owned to assets | 11.2968% | 106 |
| Noncurrent loans to loans | 7.3006% | 274 |
| Net loans and leases to total assets | 62.1337% | 3,334 |
| Net loans and leases to deposits | 74.1994% | 3,205 |
| Net loans and leases to core deposits | 76.2707% | 3,588 |
| Total domestic deposits to total assets | 83.7389% | 4,301 |
| Equity capital to assets | 15.6684% | 600 |
| Core capital (leverage) ratio | 12.6670% | 1,341 |
| Tier 1 risk-based capital ratio | 18.1744% | 2,259 |
| Total risk-based capital ratio | 19.4161% | 2,224 |
| Memoranda: | ||
| Average total assets | $117,763,500 | 4,364 |
| Average earning assets | $87,890,500 | 4,875 |
| Average equity | $18,348,250 | 3,394 |
| Average total loans | $73,751,750 | 4,167 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3911% | 456 |
| Cost of funding earning assets | 0.8317% | 1,250 |
| Net interest margin | 4.5594% | 635 |
| Noninterest income to average assets | 1.7815% | 528 |
| Noninterest expense to average assets | 4.4810% | 536 |
| Loan and lease loss provision to assets | 0.3270% | 1,057 |
| Net operating income to assets | 0.2572% | 5,756 |
| Return on assets (ROA) | 0.2572% | 5,886 |
| Pretax return on assets | 0.3628% | 5,724 |
| Return on Equity (ROE) | 1.6538% | 6,053 |
| Retained earnings to average equity (ytd only) | 1.6538% | 5,196 |
| Net charge-offs to loans | 1.0082% | 603 |
| Credit loss provision to net charge-offs | 51.8919% | 3,178 |
| Earnings coverage of net charge-offs (x) | 1.0946% | 4,165 |
| Efficiency ratio | 86.3966% | 1,378 |
| Assets per employee ($millions) | 2.9839% | 5,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6131% | 3,101 |
| Loan loss allowance to noncurrent loans | 23.7500% | 6,214 |
| Noncurrent assets plus other real estate owned to assets | 11.9383% | 103 |
| Noncurrent loans to loans | 6.7919% | 369 |
| Net loans and leases to total assets | 61.7411% | 3,341 |
| Net loans and leases to deposits | 73.6425% | 3,208 |
| Net loans and leases to core deposits | 76.0173% | 3,540 |
| Total domestic deposits to total assets | 83.8390% | 4,388 |
| Equity capital to assets | 15.8035% | 557 |
| Core capital (leverage) ratio | 12.2071% | 1,504 |
| Tier 1 risk-based capital ratio | 18.3260% | 2,201 |
| Total risk-based capital ratio | 19.5810% | 2,164 |
| Memoranda: | ||
| Average total assets | $117,428,670 | 4,405 |
| Average earning assets | $87,292,330 | 4,921 |
| Average equity | $18,261,330 | 3,428 |
| Average total loans | $73,397,000 | 4,196 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2296% | 577 |
| Cost of funding earning assets | 0.8961% | 1,001 |
| Net interest margin | 4.3335% | 902 |
| Noninterest income to average assets | 0.8173% | 2,062 |
| Noninterest expense to average assets | 4.4932% | 544 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.3357% | 6,598 |
| Return on assets (ROA) | -0.3357% | 6,627 |
| Pretax return on assets | -0.4781% | 6,667 |
| Return on Equity (ROE) | -2.1762% | 6,569 |
| Retained earnings to average equity (ytd only) | -2.1762% | 6,097 |
| Net charge-offs to loans | 0.0163% | 3,833 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | -47.0000% | 4,134 |
| Efficiency ratio | 111.5709% | 310 |
| Assets per employee ($millions) | 2.8927% | 6,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8871% | 2,342 |
| Loan loss allowance to noncurrent loans | 22.0682% | 6,293 |
| Noncurrent assets plus other real estate owned to assets | 13.9040% | 95 |
| Noncurrent loans to loans | 8.5510% | 293 |
| Net loans and leases to total assets | 59.3142% | 3,553 |
| Net loans and leases to deposits | 70.2427% | 3,439 |
| Net loans and leases to core deposits | 73.2389% | 3,673 |
| Total domestic deposits to total assets | 84.4417% | 4,295 |
| Equity capital to assets | 15.3020% | 683 |
| Core capital (leverage) ratio | 11.8719% | 1,640 |
| Tier 1 risk-based capital ratio | 17.2192% | 2,669 |
| Total risk-based capital ratio | 18.4755% | 2,638 |
| Memoranda: | ||
| Average total assets | $117,956,500 | 4,440 |
| Average earning assets | $87,042,500 | 4,957 |
| Average equity | $18,196,500 | 3,500 |
| Average total loans | $73,581,500 | 4,212 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5306% | 587 |
| Cost of funding earning assets | 1.0801% | 983 |
| Net interest margin | 4.4505% | 1,046 |
| Noninterest income to average assets | 2.1378% | 395 |
| Noninterest expense to average assets | 4.3853% | 632 |
| Loan and lease loss provision to assets | 0.1741% | 3,441 |
| Net operating income to assets | 0.6298% | 4,089 |
| Return on assets (ROA) | 0.6303% | 4,354 |
| Pretax return on assets | 0.9526% | 3,732 |
| Return on Equity (ROE) | 4.2837% | 5,027 |
| Retained earnings to average equity (ytd only) | 4.2837% | 3,208 |
| Net charge-offs to loans | 0.7695% | 1,520 |
| Credit loss provision to net charge-offs | 36.4273% | 5,001 |
| Earnings coverage of net charge-offs (x) | 2.3555% | 4,236 |
| Efficiency ratio | 79.3135% | 2,243 |
| Assets per employee ($millions) | 2.9329% | 6,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7982% | 2,588 |
| Loan loss allowance to noncurrent loans | 46.0625% | 5,318 |
| Noncurrent assets plus other real estate owned to assets | 11.4956% | 161 |
| Noncurrent loans to loans | 3.9038% | 1,234 |
| Net loans and leases to total assets | 63.1698% | 3,018 |
| Net loans and leases to deposits | 76.3085% | 2,749 |
| Net loans and leases to core deposits | 79.4543% | 3,082 |
| Total domestic deposits to total assets | 82.7821% | 4,810 |
| Equity capital to assets | 15.5523% | 625 |
| Core capital (leverage) ratio | 12.0466% | 1,546 |
| Tier 1 risk-based capital ratio | 16.5076% | 2,884 |
| Total risk-based capital ratio | 17.7571% | 2,861 |
| Memoranda: | ||
| Average total assets | $119,466,200 | 4,371 |
| Average earning assets | $90,551,200 | 4,855 |
| Average equity | $17,578,200 | 3,523 |
| Average total loans | $74,199,800 | 4,201 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4937% | 684 |
| Cost of funding earning assets | 1.1040% | 1,050 |
| Net interest margin | 4.3897% | 1,222 |
| Noninterest income to average assets | 1.2133% | 1,020 |
| Noninterest expense to average assets | 4.4120% | 595 |
| Loan and lease loss provision to assets | 0.2311% | 2,733 |
| Net operating income to assets | -0.0519% | 6,343 |
| Return on assets (ROA) | -0.0511% | 6,459 |
| Pretax return on assets | -0.0755% | 6,465 |
| Return on Equity (ROE) | -0.3522% | 6,447 |
| Retained earnings to average equity (ytd only) | -0.3522% | 6,151 |
| Net charge-offs to loans | -0.3176% | 7,055 |
| Credit loss provision to net charge-offs | -118.1818% | 6,264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3017% | 667 |
| Assets per employee ($millions) | 3.0311% | 6,004 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7913% | 891 |
| Loan loss allowance to noncurrent loans | 40.9897% | 5,608 |
| Noncurrent assets plus other real estate owned to assets | 13.3236% | 120 |
| Noncurrent loans to loans | 6.8099% | 548 |
| Net loans and leases to total assets | 61.9841% | 3,380 |
| Net loans and leases to deposits | 74.2935% | 3,240 |
| Net loans and leases to core deposits | 77.7191% | 3,500 |
| Total domestic deposits to total assets | 83.4313% | 4,467 |
| Equity capital to assets | 14.7592% | 881 |
| Core capital (leverage) ratio | 11.6013% | 1,913 |
| Tier 1 risk-based capital ratio | 15.5329% | 3,512 |
| Total risk-based capital ratio | 16.7984% | 3,467 |
| Memoranda: | ||
| Average total assets | $120,004,250 | 4,402 |
| Average earning assets | $91,666,500 | 4,864 |
| Average equity | $17,411,500 | 3,585 |
| Average total loans | $73,883,750 | 4,259 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2966% | 1,067 |
| Cost of funding earning assets | 1.1210% | 1,122 |
| Net interest margin | 4.1756% | 1,830 |
| Noninterest income to average assets | 0.9950% | 1,481 |
| Noninterest expense to average assets | 4.3863% | 603 |
| Loan and lease loss provision to assets | 0.1211% | 4,014 |
| Net operating income to assets | -0.2073% | 6,552 |
| Return on assets (ROA) | -0.2073% | 6,619 |
| Pretax return on assets | -0.3002% | 6,640 |
| Return on Equity (ROE) | -1.4368% | 6,578 |
| Retained earnings to average equity (ytd only) | -1.4368% | 6,278 |
| Net charge-offs to loans | -0.5151% | 7,135 |
| Credit loss provision to net charge-offs | -38.6243% | 5,983 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.9417% | 438 |
| Assets per employee ($millions) | 3.0590% | 5,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8187% | 926 |
| Loan loss allowance to noncurrent loans | 29.0786% | 6,192 |
| Noncurrent assets plus other real estate owned to assets | 15.3050% | 93 |
| Noncurrent loans to loans | 9.6935% | 286 |
| Net loans and leases to total assets | 58.7846% | 4,024 |
| Net loans and leases to deposits | 70.5679% | 3,811 |
| Net loans and leases to core deposits | 74.8748% | 3,908 |
| Total domestic deposits to total assets | 83.3022% | 4,624 |
| Equity capital to assets | 14.9127% | 811 |
| Core capital (leverage) ratio | 11.1479% | 2,165 |
| Tier 1 risk-based capital ratio | 15.2322% | 3,611 |
| Total risk-based capital ratio | 16.4959% | 3,572 |
| Memoranda: | ||
| Average total assets | $120,602,000 | 4,410 |
| Average earning assets | $92,777,000 | 4,852 |
| Average equity | $17,399,670 | 3,583 |
| Average total loans | $73,386,330 | 4,301 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2384% | 1,234 |
| Cost of funding earning assets | 1.1469% | 1,188 |
| Net interest margin | 4.0914% | 2,129 |
| Noninterest income to average assets | 0.2834% | 5,602 |
| Noninterest expense to average assets | 4.0495% | 880 |
| Loan and lease loss provision to assets | -0.2997% | 7,232 |
| Net operating income to assets | -0.1824% | 6,615 |
| Return on assets (ROA) | -0.1824% | 6,672 |
| Pretax return on assets | -0.2704% | 6,709 |
| Return on Equity (ROE) | -1.2850% | 6,641 |
| Retained earnings to average equity (ytd only) | -1.2850% | 6,190 |
| Net charge-offs to loans | -0.7528% | 7,188 |
| Credit loss provision to net charge-offs | 65.2482% | 3,009 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 116.0112% | 262 |
| Assets per employee ($millions) | 3.1059% | 5,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4682% | 1,398 |
| Loan loss allowance to noncurrent loans | 22.4138% | 6,475 |
| Noncurrent assets plus other real estate owned to assets | 13.7651% | 138 |
| Noncurrent loans to loans | 11.0121% | 247 |
| Net loans and leases to total assets | 57.6743% | 4,097 |
| Net loans and leases to deposits | 68.8262% | 3,903 |
| Net loans and leases to core deposits | 72.8162% | 4,044 |
| Total domestic deposits to total assets | 83.7970% | 4,594 |
| Equity capital to assets | 14.3661% | 904 |
| Core capital (leverage) ratio | 11.0848% | 2,200 |
| Tier 1 risk-based capital ratio | 16.0409% | 3,155 |
| Total risk-based capital ratio | 17.3032% | 3,116 |
| Memoranda: | ||
| Average total assets | $122,781,500 | 4,383 |
| Average earning assets | $95,907,500 | 4,795 |
| Average equity | $17,432,000 | 3,584 |
| Average total loans | $74,922,000 | 4,274 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1471% | 2,263 |
| Cost of funding earning assets | 1.3050% | 1,458 |
| Net interest margin | 3.8420% | 3,617 |
| Noninterest income to average assets | 2.0452% | 362 |
| Noninterest expense to average assets | 4.0445% | 968 |
| Loan and lease loss provision to assets | 0.6744% | 1,519 |
| Net operating income to assets | 0.2522% | 5,419 |
| Return on assets (ROA) | 0.2522% | 5,562 |
| Pretax return on assets | 0.3589% | 5,406 |
| Return on Equity (ROE) | 1.8586% | 5,717 |
| Retained earnings to average equity (ytd only) | 1.8586% | 4,891 |
| Net charge-offs to loans | 0.8704% | 1,993 |
| Credit loss provision to net charge-offs | 119.3007% | 2,679 |
| Earnings coverage of net charge-offs (x) | 1.8280% | 4,410 |
| Efficiency ratio | 79.3866% | 2,390 |
| Assets per employee ($millions) | 3.2745% | 5,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1978% | 1,803 |
| Loan loss allowance to noncurrent loans | 16.1849% | 6,719 |
| Noncurrent assets plus other real estate owned to assets | 15.9639% | 98 |
| Noncurrent loans to loans | 13.5794% | 162 |
| Net loans and leases to total assets | 61.4758% | 3,698 |
| Net loans and leases to deposits | 74.4332% | 3,428 |
| Net loans and leases to core deposits | 80.5456% | 3,381 |
| Total domestic deposits to total assets | 82.5920% | 4,929 |
| Equity capital to assets | 14.0335% | 1,045 |
| Core capital (leverage) ratio | 10.7962% | 2,437 |
| Tier 1 risk-based capital ratio | 15.3737% | 3,405 |
| Total risk-based capital ratio | 16.6319% | 3,352 |
| Memoranda: | ||
| Average total assets | $126,492,000 | 4,240 |
| Average earning assets | $99,843,200 | 4,647 |
| Average equity | $17,163,400 | 3,550 |
| Average total loans | $82,144,000 | 4,074 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1125% | 2,544 |
| Cost of funding earning assets | 1.3235% | 1,578 |
| Net interest margin | 3.7891% | 3,931 |
| Noninterest income to average assets | 1.4361% | 638 |
| Noninterest expense to average assets | 4.0994% | 900 |
| Loan and lease loss provision to assets | 0.9060% | 985 |
| Net operating income to assets | -0.3937% | 6,574 |
| Return on assets (ROA) | -0.3937% | 6,628 |
| Pretax return on assets | -0.5637% | 6,661 |
| Return on Equity (ROE) | -2.9258% | 6,558 |
| Retained earnings to average equity (ytd only) | -2.9258% | 6,411 |
| Net charge-offs to loans | 1.3778% | 1,100 |
| Credit loss provision to net charge-offs | 100.4657% | 3,349 |
| Earnings coverage of net charge-offs (x) | 0.3795% | 5,328 |
| Efficiency ratio | 91.9877% | 1,033 |
| Assets per employee ($millions) | 3.1521% | 5,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8560% | 2,764 |
| Loan loss allowance to noncurrent loans | 15.3981% | 6,813 |
| Noncurrent assets plus other real estate owned to assets | 15.6818% | 113 |
| Noncurrent loans to loans | 12.0533% | 235 |
| Net loans and leases to total assets | 68.2231% | 2,440 |
| Net loans and leases to deposits | 82.4353% | 2,275 |
| Net loans and leases to core deposits | 88.6320% | 2,413 |
| Total domestic deposits to total assets | 82.7596% | 4,776 |
| Equity capital to assets | 13.6523% | 1,306 |
| Core capital (leverage) ratio | 9.7583% | 3,760 |
| Tier 1 risk-based capital ratio | 13.6955% | 4,580 |
| Total risk-based capital ratio | 14.9532% | 4,539 |
| Memoranda: | ||
| Average total assets | $127,007,250 | 4,252 |
| Average earning assets | $100,743,250 | 4,653 |
| Average equity | $17,088,750 | 3,569 |
| Average total loans | $83,126,500 | 4,085 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1669% | 2,394 |
| Cost of funding earning assets | 1.3454% | 1,671 |
| Net interest margin | 3.8215% | 3,681 |
| Noninterest income to average assets | 1.5238% | 549 |
| Noninterest expense to average assets | 4.0073% | 1,041 |
| Loan and lease loss provision to assets | 1.0875% | 757 |
| Net operating income to assets | -0.3646% | 6,587 |
| Return on assets (ROA) | -0.3646% | 6,618 |
| Pretax return on assets | -0.5219% | 6,675 |
| Return on Equity (ROE) | -2.7224% | 6,569 |
| Retained earnings to average equity (ytd only) | -2.7224% | 6,341 |
| Net charge-offs to loans | 2.1105% | 616 |
| Credit loss provision to net charge-offs | 80.3222% | 3,763 |
| Earnings coverage of net charge-offs (x) | 0.4177% | 4,988 |
| Efficiency ratio | 87.3595% | 1,474 |
| Assets per employee ($millions) | 3.1007% | 5,880 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7910% | 3,025 |
| Loan loss allowance to noncurrent loans | 17.9061% | 6,779 |
| Noncurrent assets plus other real estate owned to assets | 15.2483% | 136 |
| Noncurrent loans to loans | 10.0024% | 384 |
| Net loans and leases to total assets | 60.8594% | 4,115 |
| Net loans and leases to deposits | 72.9816% | 3,958 |
| Net loans and leases to core deposits | 79.4582% | 3,865 |
| Total domestic deposits to total assets | 83.3901% | 4,588 |
| Equity capital to assets | 13.3164% | 1,373 |
| Core capital (leverage) ratio | 9.7172% | 3,643 |
| Tier 1 risk-based capital ratio | 14.4069% | 3,864 |
| Total risk-based capital ratio | 15.6640% | 3,827 |
| Memoranda: | ||
| Average total assets | $128,365,670 | 4,261 |
| Average earning assets | $102,421,330 | 4,640 |
| Average equity | $17,190,670 | 3,541 |
| Average total loans | $82,350,670 | 4,147 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4988% | 1,302 |
| Cost of funding earning assets | 1.4086% | 1,567 |
| Net interest margin | 4.0902% | 2,303 |
| Noninterest income to average assets | 2.7662% | 243 |
| Noninterest expense to average assets | 3.9602% | 1,088 |
| Loan and lease loss provision to assets | 0.5892% | 1,461 |
| Net operating income to assets | 1.0451% | 2,018 |
| Return on assets (ROA) | 1.0451% | 2,072 |
| Pretax return on assets | 1.4948% | 1,463 |
| Return on Equity (ROE) | 7.7822% | 3,014 |
| Retained earnings to average equity (ytd only) | 7.7822% | 1,817 |
| Net charge-offs to loans | 0.9128% | 1,459 |
| Credit loss provision to net charge-offs | 98.9583% | 2,759 |
| Earnings coverage of net charge-offs (x) | 3.5000% | 2,723 |
| Efficiency ratio | 65.3155% | 5,150 |
| Assets per employee ($millions) | 3.4654% | 5,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8659% | 2,804 |
| Loan loss allowance to noncurrent loans | 30.1912% | 6,294 |
| Noncurrent assets plus other real estate owned to assets | 12.2399% | 253 |
| Noncurrent loans to loans | 6.1803% | 1,009 |
| Net loans and leases to total assets | 64.7676% | 3,292 |
| Net loans and leases to deposits | 78.5630% | 2,965 |
| Net loans and leases to core deposits | 85.3310% | 2,984 |
| Total domestic deposits to total assets | 82.4403% | 5,130 |
| Equity capital to assets | 13.6461% | 1,129 |
| Core capital (leverage) ratio | 10.1221% | 3,003 |
| Tier 1 risk-based capital ratio | 14.4577% | 3,766 |
| Total risk-based capital ratio | 15.7217% | 3,717 |
| Memoranda: | ||
| Average total assets | $128,984,000 | 4,278 |
| Average earning assets | $103,368,000 | 4,650 |
| Average equity | $17,321,500 | 3,519 |
| Average total loans | $84,135,500 | 4,132 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2021% | 3,598 |
| Cost of funding earning assets | 1.6086% | 2,021 |
| Net interest margin | 3.5935% | 4,853 |
| Noninterest income to average assets | 0.8159% | 2,196 |
| Noninterest expense to average assets | 3.7534% | 1,584 |
| Loan and lease loss provision to assets | 1.0091% | 1,613 |
| Net operating income to assets | -0.6753% | 6,494 |
| Return on assets (ROA) | -0.6518% | 6,516 |
| Pretax return on assets | -0.9325% | 6,590 |
| Return on Equity (ROE) | -5.2587% | 6,456 |
| Retained earnings to average equity (ytd only) | -5.2587% | 6,328 |
| Net charge-offs to loans | 1.1255% | 1,982 |
| Credit loss provision to net charge-offs | 130.4430% | 3,039 |
| Earnings coverage of net charge-offs (x) | 0.0556% | 6,060 |
| Efficiency ratio | 98.5020% | 854 |
| Assets per employee ($millions) | 3.5067% | 4,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8913% | 2,590 |
| Loan loss allowance to noncurrent loans | 18.9825% | 6,848 |
| Noncurrent assets plus other real estate owned to assets | 13.0114% | 229 |
| Noncurrent loans to loans | 9.9633% | 428 |
| Net loans and leases to total assets | 63.2495% | 4,021 |
| Net loans and leases to deposits | 78.1839% | 3,485 |
| Net loans and leases to core deposits | 85.2429% | 3,433 |
| Total domestic deposits to total assets | 80.8984% | 5,551 |
| Equity capital to assets | 13.2148% | 1,295 |
| Core capital (leverage) ratio | 9.5061% | 3,701 |
| Tier 1 risk-based capital ratio | 14.3130% | 3,671 |
| Total risk-based capital ratio | 15.5705% | 3,617 |
| Memoranda: | ||
| Average total assets | $137,156,400 | 4,115 |
| Average earning assets | $113,761,200 | 4,382 |
| Average equity | $17,000,400 | 3,591 |
| Average total loans | $94,271,400 | 3,949 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0867% | 4,391 |
| Cost of funding earning assets | 1.6204% | 2,276 |
| Net interest margin | 3.4663% | 5,427 |
| Noninterest income to average assets | 1.0551% | 1,292 |
| Noninterest expense to average assets | 3.6899% | 1,586 |
| Loan and lease loss provision to assets | 0.2570% | 4,524 |
| Net operating income to assets | -0.0020% | 6,006 |
| Return on assets (ROA) | 0.0297% | 6,062 |
| Pretax return on assets | 0.0412% | 6,018 |
| Return on Equity (ROE) | 0.2436% | 6,063 |
| Retained earnings to average equity (ytd only) | 0.2436% | 5,683 |
| Net charge-offs to loans | 0.1059% | 5,482 |
| Credit loss provision to net charge-offs | 348.0519% | 907 |
| Earnings coverage of net charge-offs (x) | 3.4417% | 3,450 |
| Efficiency ratio | 93.1907% | 1,046 |
| Assets per employee ($millions) | 3.7784% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4772% | 4,064 |
| Loan loss allowance to noncurrent loans | 14.8342% | 7,078 |
| Noncurrent assets plus other real estate owned to assets | 12.4391% | 248 |
| Noncurrent loans to loans | 9.9581% | 428 |
| Net loans and leases to total assets | 71.0483% | 2,479 |
| Net loans and leases to deposits | 88.9169% | 1,869 |
| Net loans and leases to core deposits | 96.8124% | 2,164 |
| Total domestic deposits to total assets | 79.9041% | 5,739 |
| Equity capital to assets | 12.5824% | 1,822 |
| Core capital (leverage) ratio | 9.5505% | 3,829 |
| Tier 1 risk-based capital ratio | 13.5237% | 4,186 |
| Total risk-based capital ratio | 14.7557% | 4,155 |
| Memoranda: | ||
| Average total assets | $139,008,500 | 4,122 |
| Average earning assets | $115,854,250 | 4,390 |
| Average equity | $16,964,000 | 3,644 |
| Average total loans | $96,927,500 | 3,945 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9633% | 5,116 |
| Cost of funding earning assets | 1.6144% | 2,579 |
| Net interest margin | 3.3490% | 5,841 |
| Noninterest income to average assets | 0.1600% | 6,749 |
| Noninterest expense to average assets | 3.6756% | 1,607 |
| Loan and lease loss provision to assets | 0.2400% | 4,515 |
| Net operating income to assets | -0.6774% | 6,791 |
| Return on assets (ROA) | -0.6314% | 6,792 |
| Pretax return on assets | -0.9043% | 6,846 |
| Return on Equity (ROE) | -5.2265% | 6,715 |
| Retained earnings to average equity (ytd only) | -5.2265% | 6,578 |
| Net charge-offs to loans | 0.0249% | 5,992 |
| Credit loss provision to net charge-offs | 1,400.0000% | 280 |
| Earnings coverage of net charge-offs (x) | -42.5833% | 6,353 |
| Efficiency ratio | 124.2483% | 359 |
| Assets per employee ($millions) | 3.7924% | 4,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4252% | 4,308 |
| Loan loss allowance to noncurrent loans | 16.4113% | 7,096 |
| Noncurrent assets plus other real estate owned to assets | 10.7129% | 349 |
| Noncurrent loans to loans | 8.6842% | 566 |
| Net loans and leases to total assets | 69.7000% | 2,976 |
| Net loans and leases to deposits | 88.0012% | 2,165 |
| Net loans and leases to core deposits | 94.6162% | 2,632 |
| Total domestic deposits to total assets | 79.2035% | 5,978 |
| Equity capital to assets | 11.8467% | 2,188 |
| Core capital (leverage) ratio | 9.1332% | 4,399 |
| Tier 1 risk-based capital ratio | 12.5320% | 4,831 |
| Total risk-based capital ratio | 13.7692% | 4,816 |
| Memoranda: | ||
| Average total assets | $140,003,670 | 4,138 |
| Average earning assets | $116,454,000 | 4,406 |
| Average equity | $16,913,670 | 3,647 |
| Average total loans | $96,539,670 | 4,000 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3167% | 3,463 |
| Cost of funding earning assets | 1.6727% | 2,526 |
| Net interest margin | 3.6439% | 4,521 |
| Noninterest income to average assets | 0.8123% | 1,958 |
| Noninterest expense to average assets | 3.8127% | 1,311 |
| Loan and lease loss provision to assets | -0.1001% | 7,870 |
| Net operating income to assets | 0.0740% | 6,100 |
| Return on assets (ROA) | 0.1688% | 5,918 |
| Pretax return on assets | 0.2345% | 5,784 |
| Return on Equity (ROE) | 1.3834% | 6,001 |
| Retained earnings to average equity (ytd only) | 1.3834% | 5,248 |
| Net charge-offs to loans | -0.1849% | 7,652 |
| Credit loss provision to net charge-offs | 79.5455% | 3,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.4753% | 857 |
| Assets per employee ($millions) | 3.3355% | 5,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3131% | 4,859 |
| Loan loss allowance to noncurrent loans | 42.0930% | 5,548 |
| Noncurrent assets plus other real estate owned to assets | 9.0444% | 491 |
| Noncurrent loans to loans | 3.1195% | 2,571 |
| Net loans and leases to total assets | 71.3721% | 2,594 |
| Net loans and leases to deposits | 87.2574% | 2,366 |
| Net loans and leases to core deposits | 93.9445% | 2,847 |
| Total domestic deposits to total assets | 81.7949% | 5,159 |
| Equity capital to assets | 12.8228% | 1,592 |
| Core capital (leverage) ratio | 9.4890% | 3,789 |
| Tier 1 risk-based capital ratio | 12.6538% | 4,599 |
| Total risk-based capital ratio | 13.9038% | 4,564 |
| Memoranda: | ||
| Average total assets | $139,847,000 | 4,198 |
| Average earning assets | $115,260,500 | 4,490 |
| Average equity | $17,059,000 | 3,640 |
| Average total loans | $95,202,000 | 4,096 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4109% | 4,649 |
| Cost of funding earning assets | 2.5175% | 988 |
| Net interest margin | 2.8934% | 6,880 |
| Noninterest income to average assets | -0.0855% | 7,796 |
| Noninterest expense to average assets | 3.2564% | 3,172 |
| Loan and lease loss provision to assets | 0.6380% | 3,250 |
| Net operating income to assets | -1.0421% | 6,603 |
| Return on assets (ROA) | -0.8906% | 6,505 |
| Pretax return on assets | -1.2709% | 6,583 |
| Return on Equity (ROE) | -8.7171% | 6,524 |
| Retained earnings to average equity (ytd only) | -8.7171% | 6,413 |
| Net charge-offs to loans | 0.7020% | 3,080 |
| Credit loss provision to net charge-offs | 126.0152% | 4,141 |
| Earnings coverage of net charge-offs (x) | -1.6777% | 6,978 |
| Efficiency ratio | 134.6503% | 429 |
| Assets per employee ($millions) | 3.5677% | 4,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3395% | 4,534 |
| Loan loss allowance to noncurrent loans | 30.6083% | 6,428 |
| Noncurrent assets plus other real estate owned to assets | 8.8826% | 453 |
| Noncurrent loans to loans | 4.3764% | 1,641 |
| Net loans and leases to total assets | 63.3430% | 4,741 |
| Net loans and leases to deposits | 76.6054% | 4,640 |
| Net loans and leases to core deposits | 96.5569% | 4,392 |
| Total domestic deposits to total assets | 82.6874% | 4,663 |
| Equity capital to assets | 11.6288% | 2,225 |
| Core capital (leverage) ratio | 8.5367% | 5,223 |
| Tier 1 risk-based capital ratio | 12.2094% | 4,760 |
| Total risk-based capital ratio | 13.4184% | 4,764 |
| Memoranda: | ||
| Average total assets | $155,632,200 | 3,868 |
| Average earning assets | $134,061,800 | 4,008 |
| Average equity | $15,899,800 | 3,885 |
| Average total loans | $112,245,400 | 3,644 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3294% | 5,280 |
| Cost of funding earning assets | 2.6317% | 949 |
| Net interest margin | 2.6977% | 7,207 |
| Noninterest income to average assets | 0.0667% | 7,577 |
| Noninterest expense to average assets | 3.1068% | 3,627 |
| Loan and lease loss provision to assets | 0.1123% | 6,244 |
| Net operating income to assets | -0.5675% | 6,496 |
| Return on assets (ROA) | -0.4245% | 6,350 |
| Pretax return on assets | -0.6043% | 6,398 |
| Return on Equity (ROE) | -4.2929% | 6,371 |
| Retained earnings to average equity (ytd only) | -4.2929% | 6,152 |
| Net charge-offs to loans | 0.3983% | 3,672 |
| Credit loss provision to net charge-offs | 38.1089% | 6,443 |
| Earnings coverage of net charge-offs (x) | -2.3639% | 6,771 |
| Efficiency ratio | 128.2563% | 491 |
| Assets per employee ($millions) | 3.8702% | 4,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6744% | 7,431 |
| Loan loss allowance to noncurrent loans | 11.3430% | 7,427 |
| Noncurrent assets plus other real estate owned to assets | 9.1954% | 415 |
| Noncurrent loans to loans | 5.9452% | 999 |
| Net loans and leases to total assets | 77.6913% | 1,636 |
| Net loans and leases to deposits | 92.5157% | 2,153 |
| Net loans and leases to core deposits | 120.8037% | 2,174 |
| Total domestic deposits to total assets | 83.9764% | 3,736 |
| Equity capital to assets | 10.6310% | 3,370 |
| Core capital (leverage) ratio | 8.1902% | 6,032 |
| Tier 1 risk-based capital ratio | 12.1491% | 4,840 |
| Total risk-based capital ratio | 12.9537% | 5,186 |
| Memoranda: | ||
| Average total assets | $157,971,500 | 3,827 |
| Average earning assets | $137,247,250 | 3,979 |
| Average equity | $15,622,250 | 3,978 |
| Average total loans | $116,828,500 | 3,576 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4437% | 4,921 |
| Cost of funding earning assets | 2.7219% | 984 |
| Net interest margin | 2.7219% | 7,160 |
| Noninterest income to average assets | 0.0799% | 7,582 |
| Noninterest expense to average assets | 3.0798% | 3,775 |
| Loan and lease loss provision to assets | 0.0761% | 6,428 |
| Net operating income to assets | -0.4934% | 6,540 |
| Return on assets (ROA) | -0.2764% | 6,314 |
| Pretax return on assets | -0.3918% | 6,316 |
| Return on Equity (ROE) | -2.8672% | 6,345 |
| Retained earnings to average equity (ytd only) | -2.8672% | 5,943 |
| Net charge-offs to loans | 0.4231% | 3,110 |
| Credit loss provision to net charge-offs | 24.7934% | 6,078 |
| Earnings coverage of net charge-offs (x) | -2.0248% | 6,356 |
| Efficiency ratio | 124.6519% | 594 |
| Assets per employee ($millions) | 4.1382% | 3,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7220% | 7,371 |
| Loan loss allowance to noncurrent loans | 14.1030% | 7,395 |
| Noncurrent assets plus other real estate owned to assets | 7.0123% | 603 |
| Noncurrent loans to loans | 5.1198% | 1,181 |
| Net loans and leases to total assets | 74.2050% | 2,651 |
| Net loans and leases to deposits | 88.8393% | 3,027 |
| Net loans and leases to core deposits | 116.2846% | 2,685 |
| Total domestic deposits to total assets | 83.5273% | 4,002 |
| Equity capital to assets | 9.5930% | 4,497 |
| Core capital (leverage) ratio | 7.3141% | 7,223 |
| Tier 1 risk-based capital ratio | 9.9307% | 7,004 |
| Total risk-based capital ratio | 10.6827% | 7,411 |
| Memoranda: | ||
| Average total assets | $157,736,000 | 3,868 |
| Average earning assets | $137,846,330 | 3,991 |
| Average equity | $15,206,670 | 4,079 |
| Average total loans | $114,399,330 | 3,664 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7393% | 3,590 |
| Cost of funding earning assets | 2.8110% | 958 |
| Net interest margin | 2.9284% | 6,674 |
| Noninterest income to average assets | 0.2386% | 6,546 |
| Noninterest expense to average assets | 2.9017% | 4,152 |
| Loan and lease loss provision to assets | 0.0770% | 5,993 |
| Net operating income to assets | -0.1159% | 6,437 |
| Return on assets (ROA) | 0.0795% | 6,208 |
| Pretax return on assets | 0.1257% | 6,106 |
| Return on Equity (ROE) | 0.8229% | 6,182 |
| Retained earnings to average equity (ytd only) | 0.8229% | 5,332 |
| Net charge-offs to loans | 0.8662% | 1,506 |
| Credit loss provision to net charge-offs | 12.4481% | 5,171 |
| Earnings coverage of net charge-offs (x) | -0.1660% | 5,115 |
| Efficiency ratio | 103.1164% | 1,012 |
| Assets per employee ($millions) | 3.9097% | 3,851 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7038% | 7,433 |
| Loan loss allowance to noncurrent loans | 25.1719% | 6,888 |
| Noncurrent assets plus other real estate owned to assets | 5.6594% | 739 |
| Noncurrent loans to loans | 2.7961% | 2,348 |
| Net loans and leases to total assets | 74.1046% | 2,725 |
| Net loans and leases to deposits | 88.8056% | 3,142 |
| Net loans and leases to core deposits | 116.5752% | 2,732 |
| Total domestic deposits to total assets | 83.4459% | 3,934 |
| Equity capital to assets | 9.6807% | 4,411 |
| Core capital (leverage) ratio | 7.7498% | 6,821 |
| Tier 1 risk-based capital ratio | 9.9535% | 6,980 |
| Total risk-based capital ratio | 10.6681% | 7,450 |
| Memoranda: | ||
| Average total assets | $155,910,000 | 3,905 |
| Average earning assets | $136,322,500 | 4,031 |
| Average equity | $15,069,000 | 4,128 |
| Average total loans | $111,284,500 | 3,758 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3861% | 3,485 |
| Cost of funding earning assets | 3.0379% | 1,721 |
| Net interest margin | 3.3482% | 5,872 |
| Noninterest income to average assets | -0.1540% | 8,215 |
| Noninterest expense to average assets | 3.4842% | 2,440 |
| Loan and lease loss provision to assets | 0.3544% | 3,563 |
| Net operating income to assets | -0.6887% | 7,059 |
| Return on assets (ROA) | -0.6887% | 6,964 |
| Pretax return on assets | -1.0437% | 7,027 |
| Return on Equity (ROE) | -6.5526% | 7,004 |
| Retained earnings to average equity (ytd only) | -6.5526% | 6,730 |
| Net charge-offs to loans | 0.0585% | 5,941 |
| Credit loss provision to net charge-offs | 896.4912% | 494 |
| Earnings coverage of net charge-offs (x) | -17.4386% | 6,937 |
| Efficiency ratio | 124.0695% | 531 |
| Assets per employee ($millions) | 3.7880% | 3,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0229% | 5,834 |
| Loan loss allowance to noncurrent loans | 14.6903% | 7,405 |
| Noncurrent assets plus other real estate owned to assets | 7.0234% | 374 |
| Noncurrent loans to loans | 6.9634% | 440 |
| Net loans and leases to total assets | 67.2415% | 4,594 |
| Net loans and leases to deposits | 84.4586% | 4,348 |
| Net loans and leases to core deposits | 111.6976% | 3,594 |
| Total domestic deposits to total assets | 79.6147% | 5,160 |
| Equity capital to assets | 9.6488% | 4,488 |
| Core capital (leverage) ratio | 7.6359% | 7,025 |
| Tier 1 risk-based capital ratio | 9.7937% | 6,966 |
| Total risk-based capital ratio | 10.7485% | 7,228 |
| Memoranda: | ||
| Average total assets | $144,192,600 | 4,002 |
| Average earning assets | $126,995,000 | 4,106 |
| Average equity | $15,154,200 | 4,112 |
| Average total loans | $97,438,400 | 4,019 |