Home > American Savings Bank, FSB > Performance and Condition Ratios
American Savings Bank, FSB, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7741% | 1,137 |
| Cost of funding earning assets | 0.7581% | 1,147 |
| Net interest margin | 4.0161% | 1,673 |
| Noninterest income to average assets | 1.1101% | 756 |
| Noninterest expense to average assets | 3.8116% | 664 |
| Loan and lease loss provision to assets | 0.0418% | 2,921 |
| Net operating income to assets | 1.0306% | 2,731 |
| Return on assets (ROA) | 1.0306% | 2,748 |
| Pretax return on assets | 1.0027% | 3,523 |
| Return on Equity (ROE) | 9.4215% | 2,705 |
| Retained earnings to average equity (ytd only) | 9.4215% | 1,322 |
| Net charge-offs to loans | 0.0146% | 2,241 |
| Credit loss provision to net charge-offs | 333.3333% | 760 |
| Earnings coverage of net charge-offs (x) | 83.2222% | 691 |
| Efficiency ratio | 78.4607% | 1,309 |
| Assets per employee ($millions) | 3.1714% | 5,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5959% | 5,190 |
| Loan loss allowance to noncurrent loans | 159.8677% | 2,640 |
| Noncurrent assets plus other real estate owned to assets | 0.3489% | 3,447 |
| Noncurrent loans to loans | 0.3727% | 3,443 |
| Net loans and leases to total assets | 84.7462% | 360 |
| Net loans and leases to deposits | 119.1094% | 123 |
| Net loans and leases to core deposits | 136.0276% | 258 |
| Total domestic deposits to total assets | 71.1498% | 5,326 |
| Equity capital to assets | 11.1050% | 2,483 |
| Core capital (leverage) ratio | 10.2760% | 3,213 |
| Tier 1 risk-based capital ratio | 13.9296% | 3,411 |
| Total risk-based capital ratio | 14.6251% | 3,649 |
| Memoranda: | ||
| Average total assets | $286,812,000 | 2,264 |
| Average earning assets | $267,524,500 | 2,251 |
| Average equity | $31,375,000 | 2,278 |
| Average total loans | $245,974,000 | 1,874 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7456% | 1,086 |
| Cost of funding earning assets | 0.6664% | 1,203 |
| Net interest margin | 4.0792% | 1,510 |
| Noninterest income to average assets | 1.5632% | 428 |
| Noninterest expense to average assets | 3.9421% | 583 |
| Loan and lease loss provision to assets | 0.0420% | 3,415 |
| Net operating income to assets | 0.9781% | 2,335 |
| Return on assets (ROA) | 0.9793% | 2,371 |
| Pretax return on assets | 1.3905% | 2,024 |
| Return on Equity (ROE) | 9.0846% | 2,278 |
| Retained earnings to average equity (ytd only) | 2.0665% | 4,080 |
| Net charge-offs to loans | 0.0665% | 2,521 |
| Credit loss provision to net charge-offs | 75.0000% | 3,012 |
| Earnings coverage of net charge-offs (x) | 25.5313% | 1,710 |
| Efficiency ratio | 73.3572% | 2,006 |
| Assets per employee ($millions) | 2.9711% | 5,214 |
| Cash dividends to net income (ytd only)* | 77.2532% | 931 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5748% | 5,287 |
| Loan loss allowance to noncurrent loans | 123.7229% | 3,158 |
| Noncurrent assets plus other real estate owned to assets | 0.4674% | 3,004 |
| Noncurrent loans to loans | 0.4646% | 3,116 |
| Net loans and leases to total assets | 85.7679% | 274 |
| Net loans and leases to deposits | 121.6589% | 92 |
| Net loans and leases to core deposits | 139.0523% | 222 |
| Total domestic deposits to total assets | 70.4987% | 5,385 |
| Equity capital to assets | 10.7750% | 2,869 |
| Core capital (leverage) ratio | 9.9097% | 3,570 |
| Tier 1 risk-based capital ratio | 13.3503% | 3,718 |
| Total risk-based capital ratio | 14.0238% | 3,941 |
| Memoranda: | ||
| Average total assets | $285,505,200 | 2,255 |
| Average earning assets | $266,648,000 | 2,235 |
| Average equity | $30,777,200 | 2,310 |
| Average total loans | $240,496,600 | 1,873 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7153% | 1,097 |
| Cost of funding earning assets | 0.6447% | 1,276 |
| Net interest margin | 4.0706% | 1,477 |
| Noninterest income to average assets | 1.6538% | 409 |
| Noninterest expense to average assets | 3.9826% | 528 |
| Loan and lease loss provision to assets | 0.0421% | 3,265 |
| Net operating income to assets | 1.0113% | 2,509 |
| Return on assets (ROA) | 1.0130% | 2,542 |
| Pretax return on assets | 1.4319% | 2,003 |
| Return on Equity (ROE) | 9.3957% | 2,404 |
| Retained earnings to average equity (ytd only) | 2.3620% | 4,469 |
| Net charge-offs to loans | 0.0637% | 2,204 |
| Credit loss provision to net charge-offs | 78.9474% | 2,601 |
| Earnings coverage of net charge-offs (x) | 27.5783% | 1,628 |
| Efficiency ratio | 73.0003% | 2,043 |
| Assets per employee ($millions) | 2.9281% | 5,312 |
| Cash dividends to net income (ytd only)* | 74.8615% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5806% | 5,362 |
| Loan loss allowance to noncurrent loans | 123.0835% | 3,175 |
| Noncurrent assets plus other real estate owned to assets | 0.4727% | 3,155 |
| Noncurrent loans to loans | 0.4717% | 3,273 |
| Net loans and leases to total assets | 84.5086% | 386 |
| Net loans and leases to deposits | 120.1701% | 100 |
| Net loans and leases to core deposits | 136.7216% | 250 |
| Total domestic deposits to total assets | 70.3241% | 5,467 |
| Equity capital to assets | 10.6039% | 3,257 |
| Core capital (leverage) ratio | 9.8388% | 3,770 |
| Tier 1 risk-based capital ratio | 13.2021% | 3,876 |
| Total risk-based capital ratio | 13.8778% | 4,144 |
| Memoranda: | ||
| Average total assets | $284,833,000 | 2,274 |
| Average earning assets | $265,936,000 | 2,252 |
| Average equity | $30,708,250 | 2,327 |
| Average total loans | $238,469,000 | 1,898 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6720% | 1,115 |
| Cost of funding earning assets | 0.6150% | 1,357 |
| Net interest margin | 4.0570% | 1,441 |
| Noninterest income to average assets | 1.6763% | 407 |
| Noninterest expense to average assets | 4.0174% | 515 |
| Loan and lease loss provision to assets | 0.0425% | 3,144 |
| Net operating income to assets | 1.0053% | 2,402 |
| Return on assets (ROA) | 1.0079% | 2,426 |
| Pretax return on assets | 1.4069% | 1,994 |
| Return on Equity (ROE) | 9.2957% | 2,367 |
| Retained earnings to average equity (ytd only) | 2.2357% | 4,335 |
| Net charge-offs to loans | 0.0587% | 2,093 |
| Credit loss provision to net charge-offs | 86.9565% | 2,181 |
| Earnings coverage of net charge-offs (x) | 29.5652% | 1,475 |
| Efficiency ratio | 73.5210% | 2,092 |
| Assets per employee ($millions) | 2.9703% | 5,301 |
| Cash dividends to net income (ytd only)* | 75.9494% | 956 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6040% | 5,374 |
| Loan loss allowance to noncurrent loans | 120.9611% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.4662% | 3,246 |
| Noncurrent loans to loans | 0.4994% | 3,256 |
| Net loans and leases to total assets | 81.6977% | 708 |
| Net loans and leases to deposits | 114.0339% | 194 |
| Net loans and leases to core deposits | 131.0378% | 292 |
| Total domestic deposits to total assets | 71.6434% | 5,476 |
| Equity capital to assets | 10.4940% | 3,353 |
| Core capital (leverage) ratio | 10.0484% | 3,481 |
| Tier 1 risk-based capital ratio | 13.5813% | 3,654 |
| Total risk-based capital ratio | 14.2888% | 3,891 |
| Memoranda: | ||
| Average total assets | $282,175,000 | 2,297 |
| Average earning assets | $263,397,000 | 2,278 |
| Average equity | $30,594,670 | 2,330 |
| Average total loans | $234,994,670 | 1,917 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6506% | 1,027 |
| Cost of funding earning assets | 0.5794% | 1,515 |
| Net interest margin | 4.0712% | 1,297 |
| Noninterest income to average assets | 1.4756% | 495 |
| Noninterest expense to average assets | 4.0473% | 512 |
| Loan and lease loss provision to assets | 0.0434% | 2,930 |
| Net operating income to assets | 0.8920% | 2,802 |
| Return on assets (ROA) | 0.8920% | 2,848 |
| Pretax return on assets | 1.1802% | 2,679 |
| Return on Equity (ROE) | 8.0886% | 2,879 |
| Retained earnings to average equity (ytd only) | 0.9979% | 4,662 |
| Net charge-offs to loans | 0.0207% | 2,364 |
| Credit loss provision to net charge-offs | 250.0000% | 880 |
| Earnings coverage of net charge-offs (x) | 70.4167% | 719 |
| Efficiency ratio | 76.7582% | 1,791 |
| Assets per employee ($millions) | 2.8025% | 5,483 |
| Cash dividends to net income (ytd only)* | 87.6623% | 854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6326% | 5,427 |
| Loan loss allowance to noncurrent loans | 159.2077% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.3657% | 3,737 |
| Noncurrent loans to loans | 0.3973% | 3,670 |
| Net loans and leases to total assets | 83.3444% | 430 |
| Net loans and leases to deposits | 118.7745% | 99 |
| Net loans and leases to core deposits | 126.1516% | 321 |
| Total domestic deposits to total assets | 70.1703% | 5,625 |
| Equity capital to assets | 10.8933% | 2,748 |
| Core capital (leverage) ratio | 10.1260% | 3,344 |
| Tier 1 risk-based capital ratio | 13.9049% | 3,535 |
| Total risk-based capital ratio | 14.6497% | 3,755 |
| Memoranda: | ||
| Average total assets | $276,231,500 | 2,357 |
| Average earning assets | $257,516,000 | 2,330 |
| Average equity | $30,462,500 | 2,343 |
| Average total loans | $231,641,000 | 1,945 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6677% | 1,123 |
| Cost of funding earning assets | 0.6156% | 1,233 |
| Net interest margin | 4.0521% | 1,487 |
| Noninterest income to average assets | 1.6463% | 441 |
| Noninterest expense to average assets | 4.0879% | 537 |
| Loan and lease loss provision to assets | 0.0413% | 3,556 |
| Net operating income to assets | 0.8821% | 2,919 |
| Return on assets (ROA) | 0.8821% | 3,035 |
| Pretax return on assets | 1.2826% | 2,342 |
| Return on Equity (ROE) | 8.0239% | 2,918 |
| Retained earnings to average equity (ytd only) | 8.0239% | 850 |
| Net charge-offs to loans | 0.0820% | 2,516 |
| Credit loss provision to net charge-offs | 61.1111% | 3,225 |
| Earnings coverage of net charge-offs (x) | 19.5944% | 1,904 |
| Efficiency ratio | 75.5237% | 2,063 |
| Assets per employee ($millions) | 2.7221% | 5,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6437% | 5,460 |
| Loan loss allowance to noncurrent loans | 154.4690% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 0.4254% | 3,570 |
| Noncurrent loans to loans | 0.4167% | 3,649 |
| Net loans and leases to total assets | 83.3000% | 450 |
| Net loans and leases to deposits | 115.5438% | 137 |
| Net loans and leases to core deposits | 121.9939% | 429 |
| Total domestic deposits to total assets | 72.0939% | 5,553 |
| Equity capital to assets | 11.1664% | 2,458 |
| Core capital (leverage) ratio | 10.2293% | 3,193 |
| Tier 1 risk-based capital ratio | 14.2103% | 3,341 |
| Total risk-based capital ratio | 14.9643% | 3,544 |
| Memoranda: | ||
| Average total assets | $266,417,400 | 2,386 |
| Average earning assets | $247,576,200 | 2,379 |
| Average equity | $29,287,400 | 2,424 |
| Average total loans | $219,472,800 | 1,976 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6645% | 1,151 |
| Cost of funding earning assets | 0.6242% | 1,175 |
| Net interest margin | 4.0403% | 1,553 |
| Noninterest income to average assets | 1.5946% | 482 |
| Noninterest expense to average assets | 4.0155% | 576 |
| Loan and lease loss provision to assets | 0.0403% | 3,436 |
| Net operating income to assets | 0.8841% | 2,988 |
| Return on assets (ROA) | 0.8841% | 3,116 |
| Pretax return on assets | 1.2912% | 2,468 |
| Return on Equity (ROE) | 8.0751% | 2,966 |
| Retained earnings to average equity (ytd only) | 8.0751% | 1,145 |
| Net charge-offs to loans | 0.0847% | 2,115 |
| Credit loss provision to net charge-offs | 57.9710% | 2,934 |
| Earnings coverage of net charge-offs (x) | 19.1734% | 1,954 |
| Efficiency ratio | 75.0800% | 2,096 |
| Assets per employee ($millions) | 2.7294% | 5,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6581% | 5,514 |
| Loan loss allowance to noncurrent loans | 243.5855% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.2788% | 4,312 |
| Noncurrent loans to loans | 0.2702% | 4,295 |
| Net loans and leases to total assets | 81.9140% | 634 |
| Net loans and leases to deposits | 112.9017% | 204 |
| Net loans and leases to core deposits | 118.6286% | 553 |
| Total domestic deposits to total assets | 72.5534% | 5,558 |
| Equity capital to assets | 11.0060% | 3,006 |
| Core capital (leverage) ratio | 10.2311% | 3,299 |
| Tier 1 risk-based capital ratio | 14.1943% | 3,460 |
| Total risk-based capital ratio | 14.9702% | 3,643 |
| Memoranda: | ||
| Average total assets | $264,969,500 | 2,403 |
| Average earning assets | $246,079,750 | 2,400 |
| Average equity | $29,010,250 | 2,454 |
| Average total loans | $217,286,250 | 1,996 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6627% | 1,139 |
| Cost of funding earning assets | 0.6324% | 1,129 |
| Net interest margin | 4.0303% | 1,555 |
| Noninterest income to average assets | 1.3922% | 596 |
| Noninterest expense to average assets | 3.9914% | 597 |
| Loan and lease loss provision to assets | 0.0457% | 3,236 |
| Net operating income to assets | 0.7556% | 3,524 |
| Return on assets (ROA) | 0.7556% | 3,675 |
| Pretax return on assets | 1.0964% | 3,210 |
| Return on Equity (ROE) | 6.9139% | 3,599 |
| Retained earnings to average equity (ytd only) | 6.9139% | 1,651 |
| Net charge-offs to loans | 0.1267% | 1,578 |
| Credit loss provision to net charge-offs | 44.1176% | 2,730 |
| Earnings coverage of net charge-offs (x) | 11.0147% | 2,291 |
| Efficiency ratio | 77.7365% | 1,831 |
| Assets per employee ($millions) | 2.8684% | 5,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6584% | 5,592 |
| Loan loss allowance to noncurrent loans | 106.1684% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 0.6416% | 3,074 |
| Noncurrent loans to loans | 0.6202% | 3,209 |
| Net loans and leases to total assets | 81.8617% | 645 |
| Net loans and leases to deposits | 108.7727% | 285 |
| Net loans and leases to core deposits | 113.9371% | 729 |
| Total domestic deposits to total assets | 75.2594% | 5,383 |
| Equity capital to assets | 10.8477% | 3,238 |
| Core capital (leverage) ratio | 10.1198% | 3,427 |
| Tier 1 risk-based capital ratio | 13.9423% | 3,637 |
| Total risk-based capital ratio | 14.7171% | 3,837 |
| Memoranda: | ||
| Average total assets | $262,312,330 | 2,439 |
| Average earning assets | $243,506,670 | 2,434 |
| Average equity | $28,667,000 | 2,482 |
| Average total loans | $214,695,670 | 2,018 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6509% | 1,149 |
| Cost of funding earning assets | 0.6497% | 1,056 |
| Net interest margin | 4.0012% | 1,610 |
| Noninterest income to average assets | 1.1800% | 788 |
| Noninterest expense to average assets | 3.8739% | 708 |
| Loan and lease loss provision to assets | 0.0464% | 2,989 |
| Net operating income to assets | 0.6866% | 3,781 |
| Return on assets (ROA) | 0.6866% | 3,898 |
| Pretax return on assets | 0.9743% | 3,570 |
| Return on Equity (ROE) | 6.2588% | 3,855 |
| Retained earnings to average equity (ytd only) | 6.2588% | 2,256 |
| Net charge-offs to loans | -0.1176% | 5,700 |
| Credit loss provision to net charge-offs | -48.3871% | 4,148 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1469% | 1,721 |
| Assets per employee ($millions) | 3.0298% | 5,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7671% | 5,449 |
| Loan loss allowance to noncurrent loans | 125.3651% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.6440% | 3,126 |
| Noncurrent loans to loans | 0.6119% | 3,341 |
| Net loans and leases to total assets | 80.9764% | 686 |
| Net loans and leases to deposits | 106.1964% | 336 |
| Net loans and leases to core deposits | 111.1731% | 798 |
| Total domestic deposits to total assets | 76.2515% | 5,383 |
| Equity capital to assets | 10.9817% | 2,964 |
| Core capital (leverage) ratio | 10.1142% | 3,408 |
| Tier 1 risk-based capital ratio | 14.2517% | 3,536 |
| Total risk-based capital ratio | 15.1533% | 3,684 |
| Memoranda: | ||
| Average total assets | $258,651,500 | 2,473 |
| Average earning assets | $240,126,500 | 2,464 |
| Average equity | $28,376,000 | 2,498 |
| Average total loans | $210,948,500 | 2,045 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5051% | 1,576 |
| Cost of funding earning assets | 0.7563% | 622 |
| Net interest margin | 3.7488% | 2,561 |
| Noninterest income to average assets | 1.2452% | 774 |
| Noninterest expense to average assets | 3.5913% | 1,143 |
| Loan and lease loss provision to assets | 0.0476% | 3,377 |
| Net operating income to assets | 0.7854% | 3,398 |
| Return on assets (ROA) | 0.7854% | 3,474 |
| Pretax return on assets | 1.0720% | 3,181 |
| Return on Equity (ROE) | 7.2855% | 3,369 |
| Retained earnings to average equity (ytd only) | 7.2855% | 1,169 |
| Net charge-offs to loans | 0.1788% | 1,602 |
| Credit loss provision to net charge-offs | 33.5196% | 3,609 |
| Earnings coverage of net charge-offs (x) | 7.8771% | 3,027 |
| Efficiency ratio | 76.2158% | 2,239 |
| Assets per employee ($millions) | 3.1310% | 5,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7349% | 5,571 |
| Loan loss allowance to noncurrent loans | 82.9111% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 0.8904% | 2,446 |
| Noncurrent loans to loans | 0.8864% | 2,582 |
| Net loans and leases to total assets | 80.9120% | 726 |
| Net loans and leases to deposits | 104.3008% | 424 |
| Net loans and leases to core deposits | 109.0896% | 915 |
| Total domestic deposits to total assets | 77.5756% | 5,233 |
| Equity capital to assets | 10.9596% | 2,861 |
| Core capital (leverage) ratio | 10.0508% | 3,439 |
| Tier 1 risk-based capital ratio | 14.1183% | 3,654 |
| Total risk-based capital ratio | 14.9753% | 3,805 |
| Memoranda: | ||
| Average total assets | $251,856,600 | 2,488 |
| Average earning assets | $232,846,200 | 2,483 |
| Average equity | $27,150,000 | 2,532 |
| Average total loans | $200,265,400 | 2,066 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4173% | 1,868 |
| Cost of funding earning assets | 0.7719% | 590 |
| Net interest margin | 3.6454% | 2,977 |
| Noninterest income to average assets | 1.2980% | 716 |
| Noninterest expense to average assets | 3.5019% | 1,284 |
| Loan and lease loss provision to assets | 0.0479% | 3,245 |
| Net operating income to assets | 0.8198% | 3,339 |
| Return on assets (ROA) | 0.8198% | 3,424 |
| Pretax return on assets | 1.1145% | 3,159 |
| Return on Equity (ROE) | 7.6371% | 3,262 |
| Retained earnings to average equity (ytd only) | 7.6371% | 1,400 |
| Net charge-offs to loans | 0.2141% | 1,217 |
| Credit loss provision to net charge-offs | 28.3019% | 3,292 |
| Earnings coverage of net charge-offs (x) | 6.8711% | 2,985 |
| Efficiency ratio | 75.0570% | 2,395 |
| Assets per employee ($millions) | 3.0470% | 5,493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7708% | 5,585 |
| Loan loss allowance to noncurrent loans | 97.4827% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 0.7928% | 2,906 |
| Noncurrent loans to loans | 0.7907% | 2,987 |
| Net loans and leases to total assets | 78.8484% | 982 |
| Net loans and leases to deposits | 102.2757% | 530 |
| Net loans and leases to core deposits | 107.1073% | 1,032 |
| Total domestic deposits to total assets | 77.0939% | 5,327 |
| Equity capital to assets | 10.9226% | 3,104 |
| Core capital (leverage) ratio | 9.9597% | 3,693 |
| Tier 1 risk-based capital ratio | 14.2601% | 3,695 |
| Total risk-based capital ratio | 15.1472% | 3,847 |
| Memoranda: | ||
| Average total assets | $250,635,000 | 2,523 |
| Average earning assets | $231,446,000 | 2,516 |
| Average equity | $26,903,000 | 2,569 |
| Average total loans | $198,013,250 | 2,088 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3911% | 1,881 |
| Cost of funding earning assets | 0.7848% | 542 |
| Net interest margin | 3.6063% | 3,066 |
| Noninterest income to average assets | 1.2566% | 770 |
| Noninterest expense to average assets | 3.3984% | 1,475 |
| Loan and lease loss provision to assets | 0.0480% | 3,161 |
| Net operating income to assets | 0.8524% | 3,119 |
| Return on assets (ROA) | 0.8524% | 3,220 |
| Pretax return on assets | 1.1461% | 2,985 |
| Return on Equity (ROE) | 7.9886% | 3,059 |
| Retained earnings to average equity (ytd only) | 7.9886% | 1,273 |
| Net charge-offs to loans | 0.1350% | 1,689 |
| Credit loss provision to net charge-offs | 45.1128% | 2,758 |
| Earnings coverage of net charge-offs (x) | 11.2180% | 2,313 |
| Efficiency ratio | 73.9805% | 2,680 |
| Assets per employee ($millions) | 2.9881% | 5,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8550% | 5,450 |
| Loan loss allowance to noncurrent loans | 79.6262% | 4,222 |
| Noncurrent assets plus other real estate owned to assets | 0.9175% | 2,692 |
| Noncurrent loans to loans | 1.0737% | 2,496 |
| Net loans and leases to total assets | 78.7260% | 974 |
| Net loans and leases to deposits | 101.1088% | 588 |
| Net loans and leases to core deposits | 105.6696% | 1,090 |
| Total domestic deposits to total assets | 77.8627% | 5,303 |
| Equity capital to assets | 10.8177% | 3,090 |
| Core capital (leverage) ratio | 9.8492% | 3,809 |
| Tier 1 risk-based capital ratio | 14.3278% | 3,742 |
| Total risk-based capital ratio | 15.3274% | 3,814 |
| Memoranda: | ||
| Average total assets | $249,880,670 | 2,552 |
| Average earning assets | $231,150,670 | 2,530 |
| Average equity | $26,663,000 | 2,596 |
| Average total loans | $197,032,670 | 2,105 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3582% | 1,913 |
| Cost of funding earning assets | 0.7979% | 509 |
| Net interest margin | 3.5603% | 3,177 |
| Noninterest income to average assets | 0.8952% | 1,400 |
| Noninterest expense to average assets | 3.1862% | 2,023 |
| Loan and lease loss provision to assets | 0.0481% | 2,971 |
| Net operating income to assets | 0.7091% | 3,752 |
| Return on assets (ROA) | 0.7091% | 3,880 |
| Pretax return on assets | 0.9610% | 3,644 |
| Return on Equity (ROE) | 6.6923% | 3,658 |
| Retained earnings to average equity (ytd only) | 6.6923% | 2,152 |
| Net charge-offs to loans | 0.1246% | 1,515 |
| Credit loss provision to net charge-offs | 49.1803% | 2,112 |
| Earnings coverage of net charge-offs (x) | 10.3115% | 1,945 |
| Efficiency ratio | 75.9082% | 2,530 |
| Assets per employee ($millions) | 3.4420% | 5,009 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8832% | 5,487 |
| Loan loss allowance to noncurrent loans | 85.1292% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 0.8549% | 2,940 |
| Noncurrent loans to loans | 1.0375% | 2,691 |
| Net loans and leases to total assets | 77.9785% | 935 |
| Net loans and leases to deposits | 98.8762% | 630 |
| Net loans and leases to core deposits | 104.6354% | 1,024 |
| Total domestic deposits to total assets | 78.8648% | 5,289 |
| Equity capital to assets | 10.6074% | 3,416 |
| Core capital (leverage) ratio | 9.6871% | 4,030 |
| Tier 1 risk-based capital ratio | 14.1524% | 3,914 |
| Total risk-based capital ratio | 15.1905% | 3,984 |
| Memoranda: | ||
| Average total assets | $249,322,500 | 2,566 |
| Average earning assets | $231,102,000 | 2,544 |
| Average equity | $26,418,500 | 2,632 |
| Average total loans | $195,897,000 | 2,118 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4620% | 2,026 |
| Cost of funding earning assets | 0.9111% | 366 |
| Net interest margin | 3.5509% | 3,598 |
| Noninterest income to average assets | 0.8342% | 1,732 |
| Noninterest expense to average assets | 3.3870% | 1,725 |
| Loan and lease loss provision to assets | 0.0477% | 3,617 |
| Net operating income to assets | 0.5143% | 4,757 |
| Return on assets (ROA) | 0.5143% | 4,838 |
| Pretax return on assets | 0.6725% | 4,715 |
| Return on Equity (ROE) | 5.1130% | 4,604 |
| Retained earnings to average equity (ytd only) | 5.1130% | 2,515 |
| Net charge-offs to loans | 0.1292% | 2,727 |
| Credit loss provision to net charge-offs | 48.1928% | 3,521 |
| Earnings coverage of net charge-offs (x) | 7.2771% | 3,056 |
| Efficiency ratio | 82.4366% | 1,611 |
| Assets per employee ($millions) | 3.4358% | 5,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9154% | 5,421 |
| Loan loss allowance to noncurrent loans | 87.3648% | 4,033 |
| Noncurrent assets plus other real estate owned to assets | 0.8962% | 2,969 |
| Noncurrent loans to loans | 1.0478% | 2,729 |
| Net loans and leases to total assets | 77.7502% | 1,029 |
| Net loans and leases to deposits | 95.8149% | 911 |
| Net loans and leases to core deposits | 101.1475% | 1,308 |
| Total domestic deposits to total assets | 81.1462% | 4,696 |
| Equity capital to assets | 10.5847% | 3,381 |
| Core capital (leverage) ratio | 9.5244% | 4,208 |
| Tier 1 risk-based capital ratio | 14.2233% | 3,948 |
| Total risk-based capital ratio | 15.3077% | 3,976 |
| Memoranda: | ||
| Average total assets | $251,609,400 | 2,509 |
| Average earning assets | $231,913,800 | 2,501 |
| Average equity | $25,307,800 | 2,631 |
| Average total loans | $192,773,200 | 2,090 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4297% | 2,123 |
| Cost of funding earning assets | 0.9196% | 369 |
| Net interest margin | 3.5100% | 3,790 |
| Noninterest income to average assets | 0.8221% | 1,807 |
| Noninterest expense to average assets | 3.3408% | 1,811 |
| Loan and lease loss provision to assets | 0.0475% | 3,428 |
| Net operating income to assets | 0.5087% | 4,845 |
| Return on assets (ROA) | 0.5087% | 4,909 |
| Pretax return on assets | 0.6644% | 4,821 |
| Return on Equity (ROE) | 5.1230% | 4,664 |
| Retained earnings to average equity (ytd only) | 5.1230% | 3,002 |
| Net charge-offs to loans | 0.1490% | 2,298 |
| Credit loss provision to net charge-offs | 41.8605% | 3,262 |
| Earnings coverage of net charge-offs (x) | 6.2744% | 3,111 |
| Efficiency ratio | 82.3958% | 1,564 |
| Assets per employee ($millions) | 3.6372% | 4,601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9162% | 5,555 |
| Loan loss allowance to noncurrent loans | 52.8330% | 5,042 |
| Noncurrent assets plus other real estate owned to assets | 1.3890% | 2,225 |
| Noncurrent loans to loans | 1.7341% | 1,872 |
| Net loans and leases to total assets | 76.7498% | 1,135 |
| Net loans and leases to deposits | 94.3891% | 1,003 |
| Net loans and leases to core deposits | 99.8134% | 1,383 |
| Total domestic deposits to total assets | 81.3122% | 4,730 |
| Equity capital to assets | 10.2803% | 3,812 |
| Core capital (leverage) ratio | 9.2535% | 4,700 |
| Tier 1 risk-based capital ratio | 14.0754% | 4,159 |
| Total risk-based capital ratio | 15.1664% | 4,219 |
| Memoranda: | ||
| Average total assets | $252,667,500 | 2,515 |
| Average earning assets | $232,546,250 | 2,510 |
| Average equity | $25,088,750 | 2,665 |
| Average total loans | $192,438,250 | 2,106 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 2,270 |
| Cost of funding earning assets | 0.9295% | 361 |
| Net interest margin | 3.4462% | 3,996 |
| Noninterest income to average assets | 0.8072% | 1,810 |
| Noninterest expense to average assets | 3.3676% | 1,758 |
| Loan and lease loss provision to assets | 0.0474% | 3,360 |
| Net operating income to assets | 0.4383% | 5,062 |
| Return on assets (ROA) | 0.4383% | 5,142 |
| Pretax return on assets | 0.5576% | 5,104 |
| Return on Equity (ROE) | 4.4665% | 4,933 |
| Retained earnings to average equity (ytd only) | 4.4665% | 3,328 |
| Net charge-offs to loans | 0.0240% | 3,720 |
| Credit loss provision to net charge-offs | 260.8696% | 960 |
| Earnings coverage of net charge-offs (x) | 33.3043% | 1,184 |
| Efficiency ratio | 84.7316% | 1,421 |
| Assets per employee ($millions) | 3.6099% | 4,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0253% | 5,240 |
| Loan loss allowance to noncurrent loans | 52.5419% | 5,079 |
| Noncurrent assets plus other real estate owned to assets | 1.5643% | 2,085 |
| Noncurrent loans to loans | 1.9515% | 1,734 |
| Net loans and leases to total assets | 74.2224% | 1,411 |
| Net loans and leases to deposits | 90.7335% | 1,295 |
| Net loans and leases to core deposits | 95.9636% | 1,602 |
| Total domestic deposits to total assets | 81.8026% | 4,715 |
| Equity capital to assets | 10.0223% | 4,074 |
| Core capital (leverage) ratio | 9.0283% | 4,977 |
| Tier 1 risk-based capital ratio | 13.7477% | 4,415 |
| Total risk-based capital ratio | 14.9315% | 4,415 |
| Memoranda: | ||
| Average total assets | $253,234,670 | 2,517 |
| Average earning assets | $232,602,330 | 2,521 |
| Average equity | $24,851,670 | 2,674 |
| Average total loans | $191,785,330 | 2,114 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3419% | 2,357 |
| Cost of funding earning assets | 0.9310% | 383 |
| Net interest margin | 3.4109% | 4,073 |
| Noninterest income to average assets | 0.4387% | 3,879 |
| Noninterest expense to average assets | 3.2536% | 2,061 |
| Loan and lease loss provision to assets | 0.0473% | 3,148 |
| Net operating income to assets | 0.2588% | 5,634 |
| Return on assets (ROA) | 0.2588% | 5,675 |
| Pretax return on assets | 0.2824% | 5,762 |
| Return on Equity (ROE) | 2.6651% | 5,572 |
| Retained earnings to average equity (ytd only) | 2.6651% | 4,477 |
| Net charge-offs to loans | -0.0062% | 4,875 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,328 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7530% | 968 |
| Assets per employee ($millions) | 3.9431% | 4,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0136% | 5,464 |
| Loan loss allowance to noncurrent loans | 47.8293% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 1.7947% | 1,957 |
| Noncurrent loans to loans | 2.1191% | 1,734 |
| Net loans and leases to total assets | 75.0384% | 1,121 |
| Net loans and leases to deposits | 89.9012% | 1,165 |
| Net loans and leases to core deposits | 94.9941% | 1,468 |
| Total domestic deposits to total assets | 83.4677% | 4,457 |
| Equity capital to assets | 9.8173% | 4,078 |
| Core capital (leverage) ratio | 8.8778% | 5,165 |
| Tier 1 risk-based capital ratio | 13.5721% | 4,627 |
| Total risk-based capital ratio | 14.7590% | 4,612 |
| Memoranda: | ||
| Average total assets | $253,504,000 | 2,522 |
| Average earning assets | $233,722,000 | 2,507 |
| Average equity | $24,614,500 | 2,679 |
| Average total loans | $192,928,000 | 2,114 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3993% | 2,592 |
| Cost of funding earning assets | 0.9628% | 545 |
| Net interest margin | 3.4365% | 4,141 |
| Noninterest income to average assets | 0.4935% | 3,801 |
| Noninterest expense to average assets | 2.7387% | 3,952 |
| Loan and lease loss provision to assets | 0.0342% | 4,432 |
| Net operating income to assets | 0.6948% | 3,815 |
| Return on assets (ROA) | 0.6948% | 3,911 |
| Pretax return on assets | 0.8835% | 3,831 |
| Return on Equity (ROE) | 8.0349% | 3,024 |
| Retained earnings to average equity (ytd only) | 8.0349% | 1,046 |
| Net charge-offs to loans | 0.1945% | 2,912 |
| Credit loss provision to net charge-offs | 23.7467% | 4,374 |
| Earnings coverage of net charge-offs (x) | 6.3641% | 3,080 |
| Efficiency ratio | 74.5994% | 3,030 |
| Assets per employee ($millions) | 4.4675% | 2,958 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 5,660 |
| Loan loss allowance to noncurrent loans | 39.8578% | 5,635 |
| Noncurrent assets plus other real estate owned to assets | 2.0601% | 1,736 |
| Noncurrent loans to loans | 2.4580% | 1,549 |
| Net loans and leases to total assets | 75.6511% | 1,125 |
| Net loans and leases to deposits | 90.6117% | 1,186 |
| Net loans and leases to core deposits | 96.1345% | 1,449 |
| Total domestic deposits to total assets | 83.4894% | 4,367 |
| Equity capital to assets | 9.6031% | 4,285 |
| Core capital (leverage) ratio | 8.7267% | 5,383 |
| Tier 1 risk-based capital ratio | 13.3654% | 4,738 |
| Total risk-based capital ratio | 14.5228% | 4,746 |
| Memoranda: | ||
| Average total assets | $262,824,000 | 2,406 |
| Average earning assets | $241,904,200 | 2,409 |
| Average equity | $22,725,800 | 2,856 |
| Average total loans | $194,897,200 | 2,051 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3982% | 2,603 |
| Cost of funding earning assets | 0.9681% | 579 |
| Net interest margin | 3.4301% | 4,165 |
| Noninterest income to average assets | 0.4395% | 4,224 |
| Noninterest expense to average assets | 2.7097% | 3,984 |
| Loan and lease loss provision to assets | 0.0201% | 4,596 |
| Net operating income to assets | 0.6942% | 3,888 |
| Return on assets (ROA) | 0.6942% | 4,026 |
| Pretax return on assets | 0.8628% | 4,034 |
| Return on Equity (ROE) | 8.2472% | 3,001 |
| Retained earnings to average equity (ytd only) | 8.2472% | 1,317 |
| Net charge-offs to loans | 0.1238% | 3,303 |
| Credit loss provision to net charge-offs | 22.0994% | 4,036 |
| Earnings coverage of net charge-offs (x) | 9.6905% | 2,448 |
| Efficiency ratio | 75.0315% | 2,898 |
| Assets per employee ($millions) | 4.5275% | 2,840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 5,476 |
| Loan loss allowance to noncurrent loans | 47.2727% | 5,339 |
| Noncurrent assets plus other real estate owned to assets | 1.8487% | 2,200 |
| Noncurrent loans to loans | 2.2465% | 1,960 |
| Net loans and leases to total assets | 74.1500% | 1,277 |
| Net loans and leases to deposits | 87.6539% | 1,407 |
| Net loans and leases to core deposits | 93.3053% | 1,641 |
| Total domestic deposits to total assets | 84.5941% | 3,931 |
| Equity capital to assets | 9.2630% | 4,847 |
| Core capital (leverage) ratio | 8.4313% | 5,827 |
| Tier 1 risk-based capital ratio | 13.0306% | 5,101 |
| Total risk-based capital ratio | 14.2720% | 5,061 |
| Memoranda: | ||
| Average total assets | $264,868,000 | 2,410 |
| Average earning assets | $243,486,250 | 2,406 |
| Average equity | $22,293,750 | 2,929 |
| Average total loans | $194,984,000 | 2,049 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4100% | 2,524 |
| Cost of funding earning assets | 0.9698% | 645 |
| Net interest margin | 3.4402% | 4,039 |
| Noninterest income to average assets | 0.4567% | 4,117 |
| Noninterest expense to average assets | 2.7267% | 3,936 |
| Loan and lease loss provision to assets | 0.0225% | 4,458 |
| Net operating income to assets | 0.7210% | 3,715 |
| Return on assets (ROA) | 0.7210% | 3,885 |
| Pretax return on assets | 0.8655% | 4,041 |
| Return on Equity (ROE) | 8.8525% | 2,677 |
| Retained earnings to average equity (ytd only) | 8.8525% | 1,175 |
| Net charge-offs to loans | 0.0726% | 3,672 |
| Credit loss provision to net charge-offs | 42.2535% | 3,376 |
| Earnings coverage of net charge-offs (x) | 16.7042% | 1,647 |
| Efficiency ratio | 75.0414% | 2,940 |
| Assets per employee ($millions) | 4.1444% | 3,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1097% | 5,401 |
| Loan loss allowance to noncurrent loans | 57.5936% | 4,905 |
| Noncurrent assets plus other real estate owned to assets | 1.6591% | 2,619 |
| Noncurrent loans to loans | 1.9267% | 2,478 |
| Net loans and leases to total assets | 73.5189% | 1,321 |
| Net loans and leases to deposits | 86.8089% | 1,480 |
| Net loans and leases to core deposits | 92.6116% | 1,645 |
| Total domestic deposits to total assets | 84.6905% | 4,046 |
| Equity capital to assets | 9.1188% | 5,077 |
| Core capital (leverage) ratio | 8.1787% | 6,027 |
| Tier 1 risk-based capital ratio | 12.4691% | 5,529 |
| Total risk-based capital ratio | 13.7192% | 5,467 |
| Memoranda: | ||
| Average total assets | $267,134,000 | 2,397 |
| Average earning assets | $245,216,000 | 2,399 |
| Average equity | $21,756,670 | 3,013 |
| Average total loans | $195,507,670 | 2,048 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4649% | 2,297 |
| Cost of funding earning assets | 0.9425% | 810 |
| Net interest margin | 3.5225% | 3,609 |
| Noninterest income to average assets | 0.3864% | 4,569 |
| Noninterest expense to average assets | 2.6370% | 4,289 |
| Loan and lease loss provision to assets | 0.0444% | 3,862 |
| Net operating income to assets | 0.7996% | 3,171 |
| Return on assets (ROA) | 0.7996% | 3,302 |
| Pretax return on assets | 0.9313% | 3,646 |
| Return on Equity (ROE) | 10.4194% | 1,909 |
| Retained earnings to average equity (ytd only) | 10.4194% | 1,004 |
| Net charge-offs to loans | -0.0020% | 5,160 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,815 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5820% | 3,506 |
| Assets per employee ($millions) | 4.3850% | 3,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1350% | 5,463 |
| Loan loss allowance to noncurrent loans | 59.2494% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 1.5201% | 2,975 |
| Noncurrent loans to loans | 1.9156% | 2,715 |
| Net loans and leases to total assets | 72.4915% | 1,284 |
| Net loans and leases to deposits | 84.9491% | 1,477 |
| Net loans and leases to core deposits | 91.9329% | 1,509 |
| Total domestic deposits to total assets | 85.3353% | 3,874 |
| Equity capital to assets | 8.3900% | 6,114 |
| Core capital (leverage) ratio | 7.2162% | 6,576 |
| Tier 1 risk-based capital ratio | 11.2246% | 6,300 |
| Total risk-based capital ratio | 12.4756% | 6,279 |
| Memoranda: | ||
| Average total assets | $270,151,500 | 2,391 |
| Average earning assets | $247,440,000 | 2,399 |
| Average equity | $20,730,500 | 3,173 |
| Average total loans | $196,206,000 | 2,056 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6221% | 2,911 |
| Cost of funding earning assets | 1.0007% | 1,355 |
| Net interest margin | 3.6214% | 3,996 |
| Noninterest income to average assets | 0.4995% | 3,903 |
| Noninterest expense to average assets | 2.6018% | 4,739 |
| Loan and lease loss provision to assets | 0.3636% | 1,815 |
| Net operating income to assets | 0.6555% | 3,961 |
| Return on assets (ROA) | 0.6652% | 4,176 |
| Pretax return on assets | 0.9392% | 3,780 |
| Return on Equity (ROE) | 8.1650% | 3,016 |
| Retained earnings to average equity (ytd only) | 0.5579% | 5,573 |
| Net charge-offs to loans | 0.3080% | 3,104 |
| Credit loss provision to net charge-offs | 163.8734% | 1,638 |
| Earnings coverage of net charge-offs (x) | 5.8101% | 2,946 |
| Efficiency ratio | 66.5180% | 4,407 |
| Assets per employee ($millions) | 4.4724% | 3,012 |
| Cash dividends to net income (ytd only)* | 93.1677% | 624 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1183% | 5,478 |
| Loan loss allowance to noncurrent loans | 45.5962% | 5,346 |
| Noncurrent assets plus other real estate owned to assets | 1.9035% | 2,563 |
| Noncurrent loans to loans | 2.4526% | 2,165 |
| Net loans and leases to total assets | 71.1416% | 1,629 |
| Net loans and leases to deposits | 83.3374% | 1,836 |
| Net loans and leases to core deposits | 90.2546% | 1,804 |
| Total domestic deposits to total assets | 85.3657% | 3,681 |
| Equity capital to assets | 6.9713% | 6,778 |
| Core capital (leverage) ratio | 5.7595% | 6,873 |
| Tier 1 risk-based capital ratio | 9.1414% | 6,839 |
| Total risk-based capital ratio | 10.3472% | 6,840 |
| Memoranda: | ||
| Average total assets | $242,026,600 | 2,614 |
| Average earning assets | $226,651,200 | 2,543 |
| Average equity | $19,718,400 | 3,230 |
| Average total loans | $174,366,000 | 2,265 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6442% | 3,040 |
| Cost of funding earning assets | 1.0248% | 1,422 |
| Net interest margin | 3.6194% | 4,153 |
| Noninterest income to average assets | 0.5132% | 3,838 |
| Noninterest expense to average assets | 2.5320% | 4,983 |
| Loan and lease loss provision to assets | 0.3073% | 2,150 |
| Net operating income to assets | 0.7974% | 3,468 |
| Return on assets (ROA) | 0.8102% | 3,639 |
| Pretax return on assets | 1.1078% | 3,323 |
| Return on Equity (ROE) | 9.5440% | 2,569 |
| Retained earnings to average equity (ytd only) | 9.5440% | 1,046 |
| Net charge-offs to loans | 0.1121% | 4,268 |
| Credit loss provision to net charge-offs | 380.2817% | 711 |
| Earnings coverage of net charge-offs (x) | 17.2956% | 1,631 |
| Efficiency ratio | 64.0747% | 4,796 |
| Assets per employee ($millions) | 4.7308% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3163% | 4,741 |
| Loan loss allowance to noncurrent loans | 45.6946% | 5,359 |
| Noncurrent assets plus other real estate owned to assets | 2.2394% | 2,381 |
| Noncurrent loans to loans | 2.8807% | 1,947 |
| Net loans and leases to total assets | 69.9149% | 1,916 |
| Net loans and leases to deposits | 81.8214% | 2,149 |
| Net loans and leases to core deposits | 89.1357% | 2,092 |
| Total domestic deposits to total assets | 85.4482% | 3,544 |
| Equity capital to assets | 8.4748% | 6,287 |
| Core capital (leverage) ratio | 8.3515% | 5,943 |
| Tier 1 risk-based capital ratio | 13.7927% | 4,689 |
| Total risk-based capital ratio | 15.0527% | 4,644 |
| Memoranda: | ||
| Average total assets | $234,328,750 | 2,707 |
| Average earning assets | $221,173,250 | 2,625 |
| Average equity | $19,893,250 | 3,255 |
| Average total loans | $168,887,000 | 2,354 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6418% | 3,173 |
| Cost of funding earning assets | 1.0667% | 1,371 |
| Net interest margin | 3.5750% | 4,364 |
| Noninterest income to average assets | 0.4586% | 4,222 |
| Noninterest expense to average assets | 2.3981% | 5,470 |
| Loan and lease loss provision to assets | 0.3879% | 1,690 |
| Net operating income to assets | 0.7707% | 3,508 |
| Return on assets (ROA) | 0.7905% | 3,680 |
| Pretax return on assets | 1.0706% | 3,414 |
| Return on Equity (ROE) | 9.3055% | 2,667 |
| Retained earnings to average equity (ytd only) | 9.3055% | 1,172 |
| Net charge-offs to loans | 0.1379% | 3,815 |
| Credit loss provision to net charge-offs | 387.9310% | 766 |
| Earnings coverage of net charge-offs (x) | 14.3190% | 1,719 |
| Efficiency ratio | 62.2327% | 5,209 |
| Assets per employee ($millions) | 4.6588% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2929% | 4,918 |
| Loan loss allowance to noncurrent loans | 42.6453% | 5,522 |
| Noncurrent assets plus other real estate owned to assets | 2.3994% | 2,331 |
| Noncurrent loans to loans | 3.0316% | 1,944 |
| Net loans and leases to total assets | 70.2425% | 1,878 |
| Net loans and leases to deposits | 82.4565% | 2,052 |
| Net loans and leases to core deposits | 89.7334% | 2,011 |
| Total domestic deposits to total assets | 85.1874% | 3,773 |
| Equity capital to assets | 8.3535% | 6,335 |
| Core capital (leverage) ratio | 8.1966% | 6,058 |
| Tier 1 risk-based capital ratio | 13.3889% | 4,910 |
| Total risk-based capital ratio | 14.6421% | 4,868 |
| Memoranda: | ||
| Average total assets | $232,015,330 | 2,730 |
| Average earning assets | $218,796,000 | 2,659 |
| Average equity | $19,708,670 | 3,261 |
| Average total loans | $168,205,000 | 2,371 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7393% | 2,894 |
| Cost of funding earning assets | 1.0231% | 1,853 |
| Net interest margin | 3.7162% | 3,757 |
| Noninterest income to average assets | 0.4973% | 3,927 |
| Noninterest expense to average assets | 2.5425% | 5,014 |
| Loan and lease loss provision to assets | 0.3490% | 1,789 |
| Net operating income to assets | 0.8430% | 3,189 |
| Return on assets (ROA) | 0.8655% | 3,308 |
| Pretax return on assets | 1.1343% | 3,184 |
| Return on Equity (ROE) | 10.1023% | 2,366 |
| Retained earnings to average equity (ytd only) | 10.1023% | 1,243 |
| Net charge-offs to loans | -0.0072% | 5,863 |
| Credit loss provision to net charge-offs | -6,666.6667% | 6,217 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2751% | 5,054 |
| Assets per employee ($millions) | 4.6413% | 2,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 5,351 |
| Loan loss allowance to noncurrent loans | 38.7809% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 2.5070% | 2,362 |
| Noncurrent loans to loans | 3.1791% | 2,024 |
| Net loans and leases to total assets | 70.9389% | 1,585 |
| Net loans and leases to deposits | 83.2916% | 1,754 |
| Net loans and leases to core deposits | 90.3079% | 1,820 |
| Total domestic deposits to total assets | 85.1693% | 3,955 |
| Equity capital to assets | 8.5566% | 6,035 |
| Core capital (leverage) ratio | 8.3630% | 5,790 |
| Tier 1 risk-based capital ratio | 13.4926% | 4,830 |
| Total risk-based capital ratio | 14.7455% | 4,818 |
| Memoranda: | ||
| Average total assets | $229,222,500 | 2,775 |
| Average earning assets | $215,812,000 | 2,695 |
| Average equity | $19,639,000 | 3,270 |
| Average total loans | $167,766,000 | 2,389 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1172% | 2,385 |
| Cost of funding earning assets | 1.1825% | 2,146 |
| Net interest margin | 3.9347% | 3,185 |
| Noninterest income to average assets | 0.4485% | 4,225 |
| Noninterest expense to average assets | 2.5738% | 5,189 |
| Loan and lease loss provision to assets | 0.4529% | 2,336 |
| Net operating income to assets | 0.8194% | 2,957 |
| Return on assets (ROA) | 0.8362% | 3,048 |
| Pretax return on assets | 1.1206% | 2,760 |
| Return on Equity (ROE) | 9.7974% | 2,125 |
| Retained earnings to average equity (ytd only) | 1.8508% | 4,897 |
| Net charge-offs to loans | 0.8406% | 2,064 |
| Credit loss provision to net charge-offs | 73.5085% | 4,716 |
| Earnings coverage of net charge-offs (x) | 2.5178% | 3,955 |
| Efficiency ratio | 61.9815% | 5,462 |
| Assets per employee ($millions) | 4.7162% | 2,569 |
| Cash dividends to net income (ytd only)* | 81.1094% | 757 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0962% | 5,828 |
| Loan loss allowance to noncurrent loans | 22.1571% | 6,545 |
| Noncurrent assets plus other real estate owned to assets | 4.0459% | 1,415 |
| Noncurrent loans to loans | 4.9475% | 1,147 |
| Net loans and leases to total assets | 73.7705% | 1,312 |
| Net loans and leases to deposits | 86.8160% | 1,562 |
| Net loans and leases to core deposits | 94.1662% | 1,676 |
| Total domestic deposits to total assets | 84.9734% | 3,863 |
| Equity capital to assets | 8.5790% | 6,043 |
| Core capital (leverage) ratio | 8.3544% | 5,774 |
| Tier 1 risk-based capital ratio | 13.7165% | 4,543 |
| Total risk-based capital ratio | 14.9673% | 4,505 |
| Memoranda: | ||
| Average total assets | $228,537,600 | 2,742 |
| Average earning assets | $213,534,800 | 2,689 |
| Average equity | $19,505,200 | 3,210 |
| Average total loans | $167,503,400 | 2,392 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1020% | 2,600 |
| Cost of funding earning assets | 1.2123% | 2,243 |
| Net interest margin | 3.8897% | 3,431 |
| Noninterest income to average assets | 0.4825% | 4,019 |
| Noninterest expense to average assets | 2.5563% | 5,253 |
| Loan and lease loss provision to assets | 0.3841% | 2,553 |
| Net operating income to assets | 0.8723% | 2,852 |
| Return on assets (ROA) | 0.8946% | 2,908 |
| Pretax return on assets | 1.1984% | 2,642 |
| Return on Equity (ROE) | 10.4950% | 2,035 |
| Retained earnings to average equity (ytd only) | 10.1536% | 802 |
| Net charge-offs to loans | 0.4770% | 2,828 |
| Credit loss provision to net charge-offs | 110.3679% | 2,990 |
| Earnings coverage of net charge-offs (x) | 4.4616% | 3,064 |
| Efficiency ratio | 61.7705% | 5,449 |
| Assets per employee ($millions) | 4.5952% | 2,764 |
| Cash dividends to net income (ytd only)* | 3.2533% | 3,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3631% | 4,720 |
| Loan loss allowance to noncurrent loans | 25.3407% | 6,470 |
| Noncurrent assets plus other real estate owned to assets | 4.2231% | 1,446 |
| Noncurrent loans to loans | 5.3791% | 1,114 |
| Net loans and leases to total assets | 72.0283% | 1,698 |
| Net loans and leases to deposits | 85.0199% | 1,833 |
| Net loans and leases to core deposits | 93.0536% | 1,880 |
| Total domestic deposits to total assets | 84.7193% | 3,901 |
| Equity capital to assets | 8.9349% | 5,826 |
| Core capital (leverage) ratio | 8.7185% | 5,375 |
| Tier 1 risk-based capital ratio | 14.3888% | 4,064 |
| Total risk-based capital ratio | 15.6440% | 4,028 |
| Memoranda: | ||
| Average total assets | $229,077,250 | 2,739 |
| Average earning assets | $213,582,250 | 2,701 |
| Average equity | $19,526,250 | 3,217 |
| Average total loans | $167,166,250 | 2,417 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2495% | 2,065 |
| Cost of funding earning assets | 1.2503% | 2,248 |
| Net interest margin | 3.9992% | 2,842 |
| Noninterest income to average assets | 0.4912% | 3,938 |
| Noninterest expense to average assets | 2.5580% | 5,333 |
| Loan and lease loss provision to assets | 0.4457% | 2,204 |
| Net operating income to assets | 0.9126% | 2,588 |
| Return on assets (ROA) | 0.9447% | 2,551 |
| Pretax return on assets | 1.2593% | 2,270 |
| Return on Equity (ROE) | 11.2651% | 1,709 |
| Retained earnings to average equity (ytd only) | 11.2651% | 623 |
| Net charge-offs to loans | 0.6361% | 2,246 |
| Credit loss provision to net charge-offs | 96.0452% | 3,276 |
| Earnings coverage of net charge-offs (x) | 3.5819% | 3,122 |
| Efficiency ratio | 60.1574% | 5,848 |
| Assets per employee ($millions) | 4.5895% | 2,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3170% | 4,983 |
| Loan loss allowance to noncurrent loans | 74.9660% | 3,739 |
| Noncurrent assets plus other real estate owned to assets | 1.7117% | 3,626 |
| Noncurrent loans to loans | 1.7568% | 3,812 |
| Net loans and leases to total assets | 71.9667% | 1,791 |
| Net loans and leases to deposits | 85.2042% | 1,906 |
| Net loans and leases to core deposits | 92.5561% | 2,064 |
| Total domestic deposits to total assets | 84.4638% | 4,139 |
| Equity capital to assets | 8.7011% | 5,946 |
| Core capital (leverage) ratio | 8.4798% | 5,583 |
| Tier 1 risk-based capital ratio | 14.3425% | 3,906 |
| Total risk-based capital ratio | 15.5923% | 3,882 |
| Memoranda: | ||
| Average total assets | $228,849,330 | 2,765 |
| Average earning assets | $213,390,670 | 2,721 |
| Average equity | $19,192,000 | 3,248 |
| Average total loans | $166,961,670 | 2,445 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2811% | 1,928 |
| Cost of funding earning assets | 1.2945% | 2,212 |
| Net interest margin | 3.9866% | 2,744 |
| Noninterest income to average assets | 0.4516% | 4,268 |
| Noninterest expense to average assets | 2.5607% | 5,356 |
| Loan and lease loss provision to assets | 0.3501% | 2,460 |
| Net operating income to assets | 0.9486% | 2,364 |
| Return on assets (ROA) | 0.9539% | 2,407 |
| Pretax return on assets | 1.2672% | 2,141 |
| Return on Equity (ROE) | 11.5930% | 1,575 |
| Retained earnings to average equity (ytd only) | 11.5930% | 798 |
| Net charge-offs to loans | 0.0911% | 4,032 |
| Credit loss provision to net charge-offs | 526.3158% | 685 |
| Earnings coverage of net charge-offs (x) | 24.2105% | 991 |
| Efficiency ratio | 61.0575% | 5,826 |
| Assets per employee ($millions) | 4.6064% | 2,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4356% | 4,502 |
| Loan loss allowance to noncurrent loans | 60.9706% | 4,370 |
| Noncurrent assets plus other real estate owned to assets | 2.0132% | 3,305 |
| Noncurrent loans to loans | 2.3546% | 3,132 |
| Net loans and leases to total assets | 72.6075% | 1,589 |
| Net loans and leases to deposits | 85.7243% | 1,772 |
| Net loans and leases to core deposits | 92.0656% | 2,121 |
| Total domestic deposits to total assets | 84.6988% | 4,183 |
| Equity capital to assets | 8.4824% | 5,936 |
| Core capital (leverage) ratio | 8.3933% | 5,638 |
| Tier 1 risk-based capital ratio | 14.1260% | 3,985 |
| Total risk-based capital ratio | 15.3558% | 3,975 |
| Memoranda: | ||
| Average total assets | $228,535,500 | 2,784 |
| Average earning assets | $213,212,500 | 2,742 |
| Average equity | $18,804,500 | 3,282 |
| Average total loans | $166,767,000 | 2,473 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4184% | 2,588 |
| Cost of funding earning assets | 1.6374% | 1,877 |
| Net interest margin | 3.7810% | 4,023 |
| Noninterest income to average assets | 0.4973% | 4,192 |
| Noninterest expense to average assets | 2.5494% | 5,615 |
| Loan and lease loss provision to assets | 0.3185% | 4,263 |
| Net operating income to assets | 0.8509% | 2,587 |
| Return on assets (ROA) | 0.8615% | 2,691 |
| Pretax return on assets | 1.1743% | 2,318 |
| Return on Equity (ROE) | 10.2330% | 1,842 |
| Retained earnings to average equity (ytd only) | 1.3620% | 4,864 |
| Net charge-offs to loans | 0.0896% | 5,946 |
| Credit loss provision to net charge-offs | 476.9737% | 480 |
| Earnings coverage of net charge-offs (x) | 22.1382% | 936 |
| Efficiency ratio | 62.9254% | 5,534 |
| Assets per employee ($millions) | 4.6271% | 2,653 |
| Cash dividends to net income (ytd only)* | 86.6905% | 660 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 4,850 |
| Loan loss allowance to noncurrent loans | 37.9175% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 2.8143% | 2,494 |
| Noncurrent loans to loans | 3.5083% | 2,154 |
| Net loans and leases to total assets | 71.3342% | 2,230 |
| Net loans and leases to deposits | 85.9146% | 2,117 |
| Net loans and leases to core deposits | 92.7200% | 2,417 |
| Total domestic deposits to total assets | 83.0292% | 4,784 |
| Equity capital to assets | 7.9803% | 6,515 |
| Core capital (leverage) ratio | 7.9327% | 6,285 |
| Tier 1 risk-based capital ratio | 13.4213% | 4,278 |
| Total risk-based capital ratio | 14.6714% | 4,240 |
| Memoranda: | ||
| Average total assets | $227,624,000 | 2,786 |
| Average earning assets | $212,536,800 | 2,720 |
| Average equity | $19,163,400 | 3,264 |
| Average total loans | $169,671,200 | 2,476 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4783% | 2,525 |
| Cost of funding earning assets | 1.6766% | 1,980 |
| Net interest margin | 3.8017% | 3,965 |
| Noninterest income to average assets | 0.4482% | 4,576 |
| Noninterest expense to average assets | 2.5567% | 5,483 |
| Loan and lease loss provision to assets | 0.3205% | 4,025 |
| Net operating income to assets | 0.8118% | 2,951 |
| Return on assets (ROA) | 0.8258% | 3,038 |
| Pretax return on assets | 1.1393% | 2,699 |
| Return on Equity (ROE) | 9.6799% | 2,256 |
| Retained earnings to average equity (ytd only) | 9.6799% | 873 |
| Net charge-offs to loans | 0.0752% | 5,769 |
| Credit loss provision to net charge-offs | 567.7083% | 508 |
| Earnings coverage of net charge-offs (x) | 25.5098% | 993 |
| Efficiency ratio | 63.5962% | 5,323 |
| Assets per employee ($millions) | 4.7280% | 2,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2352% | 5,314 |
| Loan loss allowance to noncurrent loans | 61.6282% | 4,216 |
| Noncurrent assets plus other real estate owned to assets | 1.7081% | 3,886 |
| Noncurrent loans to loans | 2.0042% | 3,669 |
| Net loans and leases to total assets | 71.4374% | 2,371 |
| Net loans and leases to deposits | 86.2789% | 2,276 |
| Net loans and leases to core deposits | 94.2247% | 2,494 |
| Total domestic deposits to total assets | 82.7982% | 4,678 |
| Equity capital to assets | 8.5431% | 6,227 |
| Core capital (leverage) ratio | 8.2706% | 5,926 |
| Tier 1 risk-based capital ratio | 13.9665% | 3,866 |
| Total risk-based capital ratio | 15.2166% | 3,831 |
| Memoranda: | ||
| Average total assets | $226,691,000 | 2,833 |
| Average earning assets | $211,618,000 | 2,773 |
| Average equity | $19,338,500 | 3,274 |
| Average total loans | $170,273,750 | 2,509 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5551% | 2,314 |
| Cost of funding earning assets | 1.7113% | 2,061 |
| Net interest margin | 3.8438% | 3,695 |
| Noninterest income to average assets | 0.4466% | 4,553 |
| Noninterest expense to average assets | 2.4998% | 5,720 |
| Loan and lease loss provision to assets | 0.4028% | 3,306 |
| Net operating income to assets | 0.8086% | 2,928 |
| Return on assets (ROA) | 0.8351% | 2,956 |
| Pretax return on assets | 1.1653% | 2,533 |
| Return on Equity (ROE) | 9.7939% | 2,174 |
| Retained earnings to average equity (ytd only) | 9.7939% | 892 |
| Net charge-offs to loans | 0.0788% | 5,346 |
| Credit loss provision to net charge-offs | 671.6418% | 554 |
| Earnings coverage of net charge-offs (x) | 25.5373% | 1,032 |
| Efficiency ratio | 61.6341% | 5,751 |
| Assets per employee ($millions) | 4.6652% | 2,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2437% | 5,220 |
| Loan loss allowance to noncurrent loans | 77.3654% | 3,508 |
| Noncurrent assets plus other real estate owned to assets | 1.4436% | 4,296 |
| Noncurrent loans to loans | 1.6075% | 4,303 |
| Net loans and leases to total assets | 73.8517% | 1,939 |
| Net loans and leases to deposits | 89.5398% | 1,930 |
| Net loans and leases to core deposits | 97.8497% | 2,247 |
| Total domestic deposits to total assets | 82.4791% | 4,788 |
| Equity capital to assets | 8.5868% | 6,039 |
| Core capital (leverage) ratio | 8.3403% | 5,690 |
| Tier 1 risk-based capital ratio | 13.7444% | 3,910 |
| Total risk-based capital ratio | 14.9883% | 3,877 |
| Memoranda: | ||
| Average total assets | $223,454,670 | 2,890 |
| Average earning assets | $208,385,000 | 2,830 |
| Average equity | $19,052,670 | 3,297 |
| Average total loans | $170,035,000 | 2,542 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5924% | 2,180 |
| Cost of funding earning assets | 1.7476% | 2,136 |
| Net interest margin | 3.8447% | 3,599 |
| Noninterest income to average assets | 0.4437% | 4,530 |
| Noninterest expense to average assets | 2.5153% | 5,676 |
| Loan and lease loss provision to assets | 0.3622% | 3,198 |
| Net operating income to assets | 0.8556% | 2,731 |
| Return on assets (ROA) | 0.8837% | 2,689 |
| Pretax return on assets | 1.1898% | 2,395 |
| Return on Equity (ROE) | 10.4026% | 1,982 |
| Retained earnings to average equity (ytd only) | 10.4026% | 1,066 |
| Net charge-offs to loans | 0.0472% | 4,935 |
| Credit loss provision to net charge-offs | 1,000.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 41.8000% | 662 |
| Efficiency ratio | 62.0674% | 5,820 |
| Assets per employee ($millions) | 5.3024% | 1,862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1386% | 5,827 |
| Loan loss allowance to noncurrent loans | 64.1856% | 4,164 |
| Noncurrent assets plus other real estate owned to assets | 1.5923% | 4,111 |
| Noncurrent loans to loans | 1.7739% | 4,091 |
| Net loans and leases to total assets | 74.9779% | 1,743 |
| Net loans and leases to deposits | 91.9162% | 1,622 |
| Net loans and leases to core deposits | 101.1902% | 2,008 |
| Total domestic deposits to total assets | 81.5720% | 5,244 |
| Equity capital to assets | 8.5640% | 5,920 |
| Core capital (leverage) ratio | 8.3450% | 5,652 |
| Tier 1 risk-based capital ratio | 13.6078% | 3,921 |
| Total risk-based capital ratio | 14.8416% | 3,898 |
| Memoranda: | ||
| Average total assets | $220,884,000 | 2,979 |
| Average earning assets | $205,995,500 | 2,922 |
| Average equity | $18,764,500 | 3,357 |
| Average total loans | $169,578,500 | 2,618 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0059% | 1,840 |
| Cost of funding earning assets | 2.0768% | 2,590 |
| Net interest margin | 3.9292% | 3,161 |
| Noninterest income to average assets | 0.5017% | 4,393 |
| Noninterest expense to average assets | 2.4355% | 6,352 |
| Loan and lease loss provision to assets | 0.3574% | 4,660 |
| Net operating income to assets | 1.0456% | 1,687 |
| Return on assets (ROA) | 1.1156% | 1,506 |
| Pretax return on assets | 1.4665% | 1,273 |
| Return on Equity (ROE) | 13.1593% | 926 |
| Retained earnings to average equity (ytd only) | 3.4317% | 2,765 |
| Net charge-offs to loans | 0.3541% | 4,459 |
| Credit loss provision to net charge-offs | 131.3131% | 3,857 |
| Earnings coverage of net charge-offs (x) | 6.3636% | 2,381 |
| Efficiency ratio | 58.0695% | 6,751 |
| Assets per employee ($millions) | 4.2955% | 3,273 |
| Cash dividends to net income (ytd only)* | 73.9220% | 1,398 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 6,247 |
| Loan loss allowance to noncurrent loans | 59.6918% | 4,403 |
| Noncurrent assets plus other real estate owned to assets | 1.4630% | 4,207 |
| Noncurrent loans to loans | 1.7150% | 4,065 |
| Net loans and leases to total assets | 76.9237% | 1,595 |
| Net loans and leases to deposits | 94.9006% | 1,475 |
| Net loans and leases to core deposits | 115.8735% | 2,331 |
| Total domestic deposits to total assets | 81.0571% | 5,327 |
| Equity capital to assets | 8.4252% | 6,019 |
| Core capital (leverage) ratio | 8.2413% | 5,746 |
| Tier 1 risk-based capital ratio | 13.1340% | 4,057 |
| Total risk-based capital ratio | 14.3702% | 4,012 |
| Memoranda: | ||
| Average total assets | $218,272,200 | 2,967 |
| Average earning assets | $203,631,400 | 2,924 |
| Average equity | $18,504,000 | 3,426 |
| Average total loans | $167,726,600 | 2,653 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0529% | 1,827 |
| Cost of funding earning assets | 2.1428% | 2,697 |
| Net interest margin | 3.9101% | 3,202 |
| Noninterest income to average assets | 0.5448% | 4,121 |
| Noninterest expense to average assets | 2.4572% | 6,221 |
| Loan and lease loss provision to assets | 0.2782% | 4,747 |
| Net operating income to assets | 1.1104% | 1,709 |
| Return on assets (ROA) | 1.1592% | 1,625 |
| Pretax return on assets | 1.5218% | 1,352 |
| Return on Equity (ROE) | 13.6529% | 990 |
| Retained earnings to average equity (ytd only) | 9.3324% | 758 |
| Net charge-offs to loans | 0.0710% | 5,980 |
| Credit loss provision to net charge-offs | 511.2360% | 766 |
| Earnings coverage of net charge-offs (x) | 31.8999% | 890 |
| Efficiency ratio | 58.2240% | 6,690 |
| Assets per employee ($millions) | 4.3260% | 3,156 |
| Cash dividends to net income (ytd only)* | 31.6455% | 2,816 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1701% | 5,298 |
| Loan loss allowance to noncurrent loans | 70.7089% | 3,786 |
| Noncurrent assets plus other real estate owned to assets | 1.4772% | 4,164 |
| Noncurrent loans to loans | 1.6548% | 4,159 |
| Net loans and leases to total assets | 75.2286% | 2,181 |
| Net loans and leases to deposits | 92.9175% | 2,074 |
| Net loans and leases to core deposits | 113.2690% | 2,899 |
| Total domestic deposits to total assets | 80.9627% | 5,091 |
| Equity capital to assets | 8.7583% | 5,867 |
| Core capital (leverage) ratio | 8.5016% | 5,493 |
| Tier 1 risk-based capital ratio | 13.8438% | 3,634 |
| Total risk-based capital ratio | 15.0937% | 3,590 |
| Memoranda: | ||
| Average total assets | $218,073,000 | 2,988 |
| Average earning assets | $203,467,500 | 2,940 |
| Average equity | $18,515,750 | 3,449 |
| Average total loans | $167,093,500 | 2,683 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1795% | 1,525 |
| Cost of funding earning assets | 2.2105% | 2,749 |
| Net interest margin | 3.9690% | 2,833 |
| Noninterest income to average assets | 0.5874% | 3,788 |
| Noninterest expense to average assets | 2.3883% | 6,501 |
| Loan and lease loss provision to assets | 0.2256% | 4,771 |
| Net operating income to assets | 1.2704% | 1,306 |
| Return on assets (ROA) | 1.2697% | 1,386 |
| Pretax return on assets | 1.6757% | 1,064 |
| Return on Equity (ROE) | 15.1151% | 815 |
| Retained earnings to average equity (ytd only) | 15.1151% | 204 |
| Net charge-offs to loans | 0.1079% | 5,080 |
| Credit loss provision to net charge-offs | 272.2222% | 1,718 |
| Earnings coverage of net charge-offs (x) | 22.9556% | 1,200 |
| Efficiency ratio | 55.3004% | 7,191 |
| Assets per employee ($millions) | 4.2709% | 3,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0919% | 5,657 |
| Loan loss allowance to noncurrent loans | 132.0560% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.7079% | 5,638 |
| Noncurrent loans to loans | 0.8268% | 5,573 |
| Net loans and leases to total assets | 74.5269% | 2,565 |
| Net loans and leases to deposits | 92.1785% | 2,437 |
| Net loans and leases to core deposits | 111.7075% | 3,172 |
| Total domestic deposits to total assets | 80.8506% | 5,127 |
| Equity capital to assets | 8.7501% | 5,686 |
| Core capital (leverage) ratio | 8.6154% | 5,239 |
| Tier 1 risk-based capital ratio | 14.0356% | 3,498 |
| Total risk-based capital ratio | 15.2843% | 3,441 |
| Memoranda: | ||
| Average total assets | $217,222,330 | 3,013 |
| Average earning assets | $202,670,000 | 2,969 |
| Average equity | $18,246,670 | 3,516 |
| Average total loans | $166,812,000 | 2,718 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3078% | 1,278 |
| Cost of funding earning assets | 2.2736% | 2,820 |
| Net interest margin | 4.0341% | 2,512 |
| Noninterest income to average assets | 0.4813% | 4,497 |
| Noninterest expense to average assets | 2.3879% | 6,238 |
| Loan and lease loss provision to assets | 0.1383% | 5,198 |
| Net operating income to assets | 1.2610% | 1,474 |
| Return on assets (ROA) | 1.2502% | 1,614 |
| Pretax return on assets | 1.7093% | 1,158 |
| Return on Equity (ROE) | 15.2014% | 940 |
| Retained earnings to average equity (ytd only) | 15.2014% | 391 |
| Net charge-offs to loans | 0.0143% | 5,389 |
| Credit loss provision to net charge-offs | 1,250.0000% | 500 |
| Earnings coverage of net charge-offs (x) | 168.3333% | 258 |
| Efficiency ratio | 55.7918% | 7,000 |
| Assets per employee ($millions) | 4.2289% | 3,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0166% | 6,065 |
| Loan loss allowance to noncurrent loans | 108.7317% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 0.8161% | 5,139 |
| Noncurrent loans to loans | 0.9349% | 5,129 |
| Net loans and leases to total assets | 77.0203% | 2,036 |
| Net loans and leases to deposits | 97.0779% | 1,789 |
| Net loans and leases to core deposits | 116.1980% | 2,783 |
| Total domestic deposits to total assets | 79.3386% | 5,598 |
| Equity capital to assets | 8.4758% | 6,112 |
| Core capital (leverage) ratio | 8.3673% | 5,775 |
| Tier 1 risk-based capital ratio | 13.4084% | 3,924 |
| Total risk-based capital ratio | 14.6587% | 3,838 |
| Memoranda: | ||
| Average total assets | $216,926,500 | 3,036 |
| Average earning assets | $202,671,000 | 2,983 |
| Average equity | $17,840,500 | 3,588 |
| Average total loans | $168,157,000 | 2,728 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3974% | 3,433 |
| Cost of funding earning assets | 3.0677% | 1,609 |
| Net interest margin | 3.3297% | 5,931 |
| Noninterest income to average assets | 0.5740% | 4,056 |
| Noninterest expense to average assets | 2.4658% | 6,147 |
| Loan and lease loss provision to assets | 0.2758% | 4,184 |
| Net operating income to assets | 0.7415% | 3,709 |
| Return on assets (ROA) | 0.7331% | 3,579 |
| Pretax return on assets | 0.9252% | 3,640 |
| Return on Equity (ROE) | 8.9871% | 2,648 |
| Retained earnings to average equity (ytd only) | 3.2846% | 3,109 |
| Net charge-offs to loans | 0.0341% | 6,337 |
| Credit loss provision to net charge-offs | 1,040.3509% | 424 |
| Earnings coverage of net charge-offs (x) | 45.7018% | 814 |
| Efficiency ratio | 65.4440% | 5,230 |
| Assets per employee ($millions) | 4.2780% | 2,991 |
| Cash dividends to net income (ytd only)* | 63.4518% | 2,502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9715% | 6,260 |
| Loan loss allowance to noncurrent loans | 78.2505% | 4,195 |
| Noncurrent assets plus other real estate owned to assets | 1.0436% | 4,211 |
| Noncurrent loans to loans | 1.2416% | 4,034 |
| Net loans and leases to total assets | 76.4777% | 2,504 |
| Net loans and leases to deposits | 98.7781% | 2,014 |
| Net loans and leases to core deposits | 115.2604% | 3,210 |
| Total domestic deposits to total assets | 77.4237% | 5,895 |
| Equity capital to assets | 7.9755% | 6,882 |
| Core capital (leverage) ratio | 7.9439% | 6,581 |
| Tier 1 risk-based capital ratio | 12.8638% | 4,182 |
| Total risk-based capital ratio | 14.0789% | 4,128 |
| Memoranda: | ||
| Average total assets | $214,984,200 | 2,942 |
| Average earning assets | $200,379,600 | 2,892 |
| Average equity | $17,536,200 | 3,637 |
| Average total loans | $166,925,600 | 2,675 |