Home > Athens Federal Community Bank > Performance and Condition Ratios
Athens Federal Community Bank, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0664% | 813 |
| Cost of funding earning assets | 0.4515% | 3,515 |
| Net interest margin | 4.6149% | 578 |
| Noninterest income to average assets | 1.2691% | 597 |
| Noninterest expense to average assets | 4.4878% | 297 |
| Loan and lease loss provision to assets | 0.0413% | 3,173 |
| Net operating income to assets | 0.6887% | 4,262 |
| Return on assets (ROA) | 0.6887% | 4,275 |
| Pretax return on assets | 0.8979% | 4,026 |
| Return on Equity (ROE) | 6.4672% | 4,116 |
| Retained earnings to average equity (ytd only) | 6.4672% | 2,402 |
| Net charge-offs to loans | 0.0269% | 2,573 |
| Credit loss provision to net charge-offs | 214.7059% | 1,311 |
| Earnings coverage of net charge-offs (x) | 48.8553% | 1,186 |
| Efficiency ratio | 81.2721% | 835 |
| Assets per employee ($millions) | 4.2378% | 3,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 2,878 |
| Loan loss allowance to noncurrent loans | 395.9804% | 1,331 |
| Noncurrent assets plus other real estate owned to assets | 0.4308% | 2,962 |
| Noncurrent loans to loans | 0.2918% | 3,636 |
| Net loans and leases to total assets | 74.1283% | 1,961 |
| Net loans and leases to deposits | 85.3733% | 2,436 |
| Net loans and leases to core deposits | 89.3102% | 2,721 |
| Total domestic deposits to total assets | 86.8284% | 1,809 |
| Equity capital to assets | 11.5569% | 2,221 |
| Core capital (leverage) ratio | 11.0851% | 2,501 |
| Tier 1 risk-based capital ratio | 14.0997% | 3,321 |
| Total risk-based capital ratio | 15.2173% | 3,298 |
| Memoranda: | ||
| Average total assets | $471,612,250 | 1,491 |
| Average earning assets | $424,905,750 | 1,523 |
| Average equity | $50,221,750 | 1,520 |
| Average total loans | $337,366,500 | 1,453 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0019% | 816 |
| Cost of funding earning assets | 0.4425% | 3,405 |
| Net interest margin | 4.5595% | 609 |
| Noninterest income to average assets | 1.2200% | 650 |
| Noninterest expense to average assets | 3.3741% | 1,171 |
| Loan and lease loss provision to assets | 0.0380% | 3,147 |
| Net operating income to assets | 1.4672% | 1,234 |
| Return on assets (ROA) | 1.4672% | 1,236 |
| Pretax return on assets | 1.9217% | 732 |
| Return on Equity (ROE) | 14.1743% | 1,037 |
| Retained earnings to average equity (ytd only) | 14.1743% | 263 |
| Net charge-offs to loans | 0.0192% | 2,507 |
| Credit loss provision to net charge-offs | 281.2500% | 1,056 |
| Earnings coverage of net charge-offs (x) | 144.9688% | 531 |
| Efficiency ratio | 61.8169% | 3,644 |
| Assets per employee ($millions) | 4.1561% | 3,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1745% | 2,858 |
| Loan loss allowance to noncurrent loans | 427.0988% | 1,257 |
| Noncurrent assets plus other real estate owned to assets | 0.4071% | 3,102 |
| Noncurrent loans to loans | 0.2750% | 3,726 |
| Net loans and leases to total assets | 71.3742% | 2,385 |
| Net loans and leases to deposits | 81.4878% | 2,819 |
| Net loans and leases to core deposits | 85.2539% | 2,987 |
| Total domestic deposits to total assets | 87.5888% | 1,598 |
| Equity capital to assets | 10.6398% | 2,984 |
| Core capital (leverage) ratio | 10.0646% | 3,510 |
| Tier 1 risk-based capital ratio | 13.1703% | 3,812 |
| Total risk-based capital ratio | 14.2903% | 3,788 |
| Memoranda: | ||
| Average total assets | $473,429,000 | 1,491 |
| Average earning assets | $427,153,670 | 1,524 |
| Average equity | $49,004,330 | 1,553 |
| Average total loans | $333,289,670 | 1,468 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8066% | 1,072 |
| Cost of funding earning assets | 0.4293% | 3,376 |
| Net interest margin | 4.3773% | 806 |
| Noninterest income to average assets | 1.1656% | 676 |
| Noninterest expense to average assets | 3.3057% | 1,335 |
| Loan and lease loss provision to assets | 0.0220% | 3,243 |
| Net operating income to assets | 1.3718% | 1,416 |
| Return on assets (ROA) | 1.3718% | 1,430 |
| Pretax return on assets | 1.7936% | 920 |
| Return on Equity (ROE) | 13.4407% | 1,147 |
| Retained earnings to average equity (ytd only) | 13.4407% | 459 |
| Net charge-offs to loans | 0.0182% | 2,142 |
| Credit loss provision to net charge-offs | 173.3333% | 1,142 |
| Earnings coverage of net charge-offs (x) | 143.2000% | 449 |
| Efficiency ratio | 63.0467% | 3,627 |
| Assets per employee ($millions) | 4.2281% | 3,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1875% | 2,885 |
| Loan loss allowance to noncurrent loans | 423.9061% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 0.3840% | 3,298 |
| Noncurrent loans to loans | 0.2801% | 3,767 |
| Net loans and leases to total assets | 68.5713% | 2,689 |
| Net loans and leases to deposits | 77.7392% | 3,047 |
| Net loans and leases to core deposits | 81.5682% | 3,177 |
| Total domestic deposits to total assets | 88.2069% | 1,501 |
| Equity capital to assets | 10.0730% | 3,532 |
| Core capital (leverage) ratio | 9.7767% | 3,779 |
| Tier 1 risk-based capital ratio | 12.9804% | 3,956 |
| Total risk-based capital ratio | 14.1168% | 3,916 |
| Memoranda: | ||
| Average total assets | $473,245,500 | 1,496 |
| Average earning assets | $427,659,000 | 1,528 |
| Average equity | $48,301,000 | 1,573 |
| Average total loans | $328,841,000 | 1,494 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5345% | 1,604 |
| Cost of funding earning assets | 0.4376% | 2,896 |
| Net interest margin | 4.0968% | 1,452 |
| Noninterest income to average assets | 1.2890% | 640 |
| Noninterest expense to average assets | 3.4354% | 1,146 |
| Loan and lease loss provision to assets | 0.0039% | 4,167 |
| Net operating income to assets | 0.9660% | 2,376 |
| Return on assets (ROA) | 0.9660% | 2,419 |
| Pretax return on assets | 1.5488% | 1,456 |
| Return on Equity (ROE) | 8.9613% | 2,333 |
| Retained earnings to average equity (ytd only) | -6.3399% | 5,473 |
| Net charge-offs to loans | 0.0674% | 2,497 |
| Credit loss provision to net charge-offs | 8.7379% | 3,671 |
| Earnings coverage of net charge-offs (x) | 34.4126% | 1,398 |
| Efficiency ratio | 67.2726% | 3,038 |
| Assets per employee ($millions) | 4.0390% | 3,901 |
| Cash dividends to net income (ytd only)* | 170.7483% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2256% | 2,630 |
| Loan loss allowance to noncurrent loans | 370.1869% | 1,409 |
| Noncurrent assets plus other real estate owned to assets | 0.4271% | 3,156 |
| Noncurrent loans to loans | 0.3311% | 3,582 |
| Net loans and leases to total assets | 68.7280% | 2,719 |
| Net loans and leases to deposits | 78.3526% | 3,082 |
| Net loans and leases to core deposits | 82.4066% | 3,215 |
| Total domestic deposits to total assets | 87.7162% | 1,651 |
| Equity capital to assets | 10.3446% | 3,336 |
| Core capital (leverage) ratio | 9.7343% | 3,763 |
| Tier 1 risk-based capital ratio | 14.2432% | 3,231 |
| Total risk-based capital ratio | 15.4935% | 3,124 |
| Memoranda: | ||
| Average total assets | $456,544,600 | 1,525 |
| Average earning assets | $412,221,800 | 1,559 |
| Average equity | $49,211,800 | 1,537 |
| Average total loans | $305,461,200 | 1,546 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4560% | 1,771 |
| Cost of funding earning assets | 0.4352% | 2,853 |
| Net interest margin | 4.0209% | 1,631 |
| Noninterest income to average assets | 1.3132% | 614 |
| Noninterest expense to average assets | 3.3444% | 1,254 |
| Loan and lease loss provision to assets | 0.0959% | 2,183 |
| Net operating income to assets | 0.9852% | 2,616 |
| Return on assets (ROA) | 0.9852% | 2,678 |
| Pretax return on assets | 1.5044% | 1,755 |
| Return on Equity (ROE) | 9.0471% | 2,575 |
| Retained earnings to average equity (ytd only) | -0.6680% | 5,312 |
| Net charge-offs to loans | 0.0638% | 2,203 |
| Credit loss provision to net charge-offs | 227.0833% | 1,230 |
| Earnings coverage of net charge-offs (x) | 37.8879% | 1,355 |
| Efficiency ratio | 66.0161% | 3,205 |
| Assets per employee ($millions) | 3.9669% | 4,046 |
| Cash dividends to net income (ytd only)* | 107.3832% | 235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4143% | 1,835 |
| Loan loss allowance to noncurrent loans | 440.6918% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.4087% | 3,399 |
| Noncurrent loans to loans | 0.3209% | 3,801 |
| Net loans and leases to total assets | 65.0617% | 3,236 |
| Net loans and leases to deposits | 74.5919% | 3,510 |
| Net loans and leases to core deposits | 78.1215% | 3,620 |
| Total domestic deposits to total assets | 87.2236% | 1,764 |
| Equity capital to assets | 10.8969% | 2,962 |
| Core capital (leverage) ratio | 10.3141% | 3,185 |
| Tier 1 risk-based capital ratio | 15.9899% | 2,513 |
| Total risk-based capital ratio | 17.2427% | 2,447 |
| Memoranda: | ||
| Average total assets | $454,560,250 | 1,545 |
| Average earning assets | $410,548,750 | 1,577 |
| Average equity | $49,502,500 | 1,544 |
| Average total loans | $301,029,000 | 1,574 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4035% | 1,804 |
| Cost of funding earning assets | 0.4353% | 2,750 |
| Net interest margin | 3.9681% | 1,717 |
| Noninterest income to average assets | 1.3603% | 577 |
| Noninterest expense to average assets | 3.3436% | 1,285 |
| Loan and lease loss provision to assets | 0.1223% | 1,695 |
| Net operating income to assets | 0.9558% | 2,629 |
| Return on assets (ROA) | 0.9558% | 2,688 |
| Pretax return on assets | 1.4728% | 1,747 |
| Return on Equity (ROE) | 8.7782% | 2,614 |
| Retained earnings to average equity (ytd only) | -5.9009% | 5,568 |
| Net charge-offs to loans | 0.0675% | 1,962 |
| Credit loss provision to net charge-offs | 273.2673% | 1,021 |
| Earnings coverage of net charge-offs (x) | 35.6436% | 1,349 |
| Efficiency ratio | 66.0685% | 3,342 |
| Assets per employee ($millions) | 3.8885% | 4,145 |
| Cash dividends to net income (ytd only)* | 167.2230% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4078% | 1,920 |
| Loan loss allowance to noncurrent loans | 471.0240% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.3993% | 3,509 |
| Noncurrent loans to loans | 0.2989% | 3,971 |
| Net loans and leases to total assets | 65.9963% | 3,110 |
| Net loans and leases to deposits | 75.3710% | 3,420 |
| Net loans and leases to core deposits | 79.0360% | 3,502 |
| Total domestic deposits to total assets | 87.5618% | 1,684 |
| Equity capital to assets | 10.7533% | 3,074 |
| Core capital (leverage) ratio | 10.0279% | 3,504 |
| Tier 1 risk-based capital ratio | 15.6019% | 2,667 |
| Total risk-based capital ratio | 16.8547% | 2,597 |
| Memoranda: | ||
| Average total assets | $451,370,330 | 1,560 |
| Average earning assets | $407,043,330 | 1,593 |
| Average equity | $49,144,670 | 1,552 |
| Average total loans | $299,271,000 | 1,581 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3084% | 1,932 |
| Cost of funding earning assets | 0.4334% | 2,676 |
| Net interest margin | 3.8750% | 1,873 |
| Noninterest income to average assets | 1.5825% | 449 |
| Noninterest expense to average assets | 3.3617% | 1,269 |
| Loan and lease loss provision to assets | 0.1617% | 1,113 |
| Net operating income to assets | 0.9990% | 2,309 |
| Return on assets (ROA) | 0.9990% | 2,357 |
| Pretax return on assets | 1.5504% | 1,378 |
| Return on Equity (ROE) | 9.1178% | 2,354 |
| Retained earnings to average equity (ytd only) | -20.2989% | 5,730 |
| Net charge-offs to loans | 0.0637% | 1,695 |
| Credit loss provision to net charge-offs | 385.1064% | 666 |
| Earnings coverage of net charge-offs (x) | 40.7660% | 1,030 |
| Efficiency ratio | 64.6530% | 3,718 |
| Assets per employee ($millions) | 3.9279% | 4,133 |
| Cash dividends to net income (ytd only)* | 322.6297% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4215% | 1,986 |
| Loan loss allowance to noncurrent loans | 339.9206% | 1,458 |
| Noncurrent assets plus other real estate owned to assets | 0.4771% | 3,308 |
| Noncurrent loans to loans | 0.4182% | 3,593 |
| Net loans and leases to total assets | 65.1892% | 3,089 |
| Net loans and leases to deposits | 74.2551% | 3,374 |
| Net loans and leases to core deposits | 77.7904% | 3,490 |
| Total domestic deposits to total assets | 87.7909% | 1,833 |
| Equity capital to assets | 10.5043% | 3,185 |
| Core capital (leverage) ratio | 10.0626% | 3,422 |
| Tier 1 risk-based capital ratio | 15.6905% | 2,666 |
| Total risk-based capital ratio | 16.9437% | 2,609 |
| Memoranda: | ||
| Average total assets | $447,636,500 | 1,577 |
| Average earning assets | $403,305,000 | 1,616 |
| Average equity | $49,047,000 | 1,559 |
| Average total loans | $295,336,500 | 1,605 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9150% | 721 |
| Cost of funding earning assets | 0.4692% | 2,361 |
| Net interest margin | 4.4459% | 695 |
| Noninterest income to average assets | 1.4267% | 570 |
| Noninterest expense to average assets | 4.0161% | 584 |
| Loan and lease loss provision to assets | 0.0809% | 2,741 |
| Net operating income to assets | 0.8812% | 2,924 |
| Return on assets (ROA) | 0.8812% | 3,040 |
| Pretax return on assets | 1.3440% | 2,122 |
| Return on Equity (ROE) | 7.4257% | 3,253 |
| Retained earnings to average equity (ytd only) | 7.4257% | 1,069 |
| Net charge-offs to loans | 0.0505% | 3,032 |
| Credit loss provision to net charge-offs | 222.8571% | 1,287 |
| Earnings coverage of net charge-offs (x) | 39.2571% | 1,193 |
| Efficiency ratio | 72.4544% | 2,516 |
| Assets per employee ($millions) | 3.7576% | 4,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4338% | 1,943 |
| Loan loss allowance to noncurrent loans | 429.9482% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.4381% | 3,513 |
| Noncurrent loans to loans | 0.3335% | 3,944 |
| Net loans and leases to total assets | 64.8753% | 3,237 |
| Net loans and leases to deposits | 74.9024% | 3,424 |
| Net loans and leases to core deposits | 78.6272% | 3,516 |
| Total domestic deposits to total assets | 86.6131% | 2,323 |
| Equity capital to assets | 11.4260% | 2,227 |
| Core capital (leverage) ratio | 11.0744% | 2,280 |
| Tier 1 risk-based capital ratio | 17.2276% | 2,082 |
| Total risk-based capital ratio | 18.4807% | 2,040 |
| Memoranda: | ||
| Average total assets | $385,718,000 | 1,738 |
| Average earning assets | $348,279,000 | 1,786 |
| Average equity | $45,773,200 | 1,647 |
| Average total loans | $277,212,400 | 1,632 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9456% | 663 |
| Cost of funding earning assets | 0.4729% | 2,340 |
| Net interest margin | 4.4727% | 673 |
| Noninterest income to average assets | 1.4385% | 575 |
| Noninterest expense to average assets | 3.9658% | 614 |
| Loan and lease loss provision to assets | 0.0978% | 2,269 |
| Net operating income to assets | 0.9248% | 2,783 |
| Return on assets (ROA) | 0.9248% | 2,910 |
| Pretax return on assets | 1.4166% | 1,980 |
| Return on Equity (ROE) | 7.7087% | 3,184 |
| Retained earnings to average equity (ytd only) | 7.7087% | 1,310 |
| Net charge-offs to loans | 0.0554% | 2,568 |
| Credit loss provision to net charge-offs | 239.4737% | 1,236 |
| Earnings coverage of net charge-offs (x) | 37.0868% | 1,297 |
| Efficiency ratio | 71.0980% | 2,723 |
| Assets per employee ($millions) | 3.7047% | 4,461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 1,953 |
| Loan loss allowance to noncurrent loans | 418.2002% | 1,226 |
| Noncurrent assets plus other real estate owned to assets | 0.5004% | 3,442 |
| Noncurrent loans to loans | 0.3481% | 4,005 |
| Net loans and leases to total assets | 65.7191% | 3,169 |
| Net loans and leases to deposits | 76.1351% | 3,387 |
| Net loans and leases to core deposits | 80.0726% | 3,436 |
| Total domestic deposits to total assets | 86.3191% | 2,207 |
| Equity capital to assets | 11.6924% | 2,361 |
| Core capital (leverage) ratio | 11.1845% | 2,280 |
| Tier 1 risk-based capital ratio | 17.2637% | 2,144 |
| Total risk-based capital ratio | 18.5172% | 2,104 |
| Memoranda: | ||
| Average total assets | $372,237,750 | 1,801 |
| Average earning assets | $336,373,000 | 1,850 |
| Average equity | $44,658,250 | 1,677 |
| Average total loans | $274,174,000 | 1,651 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9958% | 597 |
| Cost of funding earning assets | 0.4704% | 2,369 |
| Net interest margin | 4.5254% | 582 |
| Noninterest income to average assets | 1.4733% | 543 |
| Noninterest expense to average assets | 4.1992% | 493 |
| Loan and lease loss provision to assets | 0.1016% | 2,149 |
| Net operating income to assets | 0.8484% | 3,101 |
| Return on assets (ROA) | 0.8484% | 3,228 |
| Pretax return on assets | 1.2837% | 2,470 |
| Return on Equity (ROE) | 7.0006% | 3,538 |
| Retained earnings to average equity (ytd only) | 7.0006% | 1,598 |
| Net charge-offs to loans | 0.1780% | 1,271 |
| Credit loss provision to net charge-offs | 74.6888% | 2,428 |
| Earnings coverage of net charge-offs (x) | 10.1826% | 2,350 |
| Efficiency ratio | 74.8307% | 2,242 |
| Assets per employee ($millions) | 3.6838% | 4,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3845% | 2,361 |
| Loan loss allowance to noncurrent loans | 306.4163% | 1,604 |
| Noncurrent assets plus other real estate owned to assets | 0.5880% | 3,261 |
| Noncurrent loans to loans | 0.4518% | 3,753 |
| Net loans and leases to total assets | 67.6068% | 2,841 |
| Net loans and leases to deposits | 78.2888% | 3,125 |
| Net loans and leases to core deposits | 82.1659% | 3,253 |
| Total domestic deposits to total assets | 86.3557% | 2,237 |
| Equity capital to assets | 11.8298% | 2,248 |
| Core capital (leverage) ratio | 11.1203% | 2,307 |
| Tier 1 risk-based capital ratio | 17.2237% | 2,148 |
| Total risk-based capital ratio | 18.4765% | 2,112 |
| Memoranda: | ||
| Average total assets | $354,302,000 | 1,886 |
| Average earning assets | $321,873,000 | 1,922 |
| Average equity | $42,939,330 | 1,737 |
| Average total loans | $270,855,670 | 1,666 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1432% | 460 |
| Cost of funding earning assets | 0.4466% | 2,619 |
| Net interest margin | 4.6966% | 423 |
| Noninterest income to average assets | 1.4553% | 534 |
| Noninterest expense to average assets | 4.1912% | 496 |
| Loan and lease loss provision to assets | 0.0258% | 3,335 |
| Net operating income to assets | 0.9989% | 2,284 |
| Return on assets (ROA) | 0.9989% | 2,404 |
| Pretax return on assets | 1.5205% | 1,526 |
| Return on Equity (ROE) | 8.1190% | 2,844 |
| Retained earnings to average equity (ytd only) | 8.1190% | 1,407 |
| Net charge-offs to loans | 0.0317% | 2,317 |
| Credit loss provision to net charge-offs | 100.0000% | 1,610 |
| Earnings coverage of net charge-offs (x) | 59.8571% | 783 |
| Efficiency ratio | 72.6630% | 2,702 |
| Assets per employee ($millions) | 3.2357% | 5,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4848% | 2,056 |
| Loan loss allowance to noncurrent loans | 160.0402% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 1.0948% | 2,016 |
| Noncurrent loans to loans | 0.9277% | 2,527 |
| Net loans and leases to total assets | 80.7444% | 713 |
| Net loans and leases to deposits | 97.9477% | 760 |
| Net loans and leases to core deposits | 103.4487% | 1,227 |
| Total domestic deposits to total assets | 82.4363% | 4,084 |
| Equity capital to assets | 12.3875% | 1,760 |
| Core capital (leverage) ratio | 12.1620% | 1,517 |
| Tier 1 risk-based capital ratio | 16.4020% | 2,518 |
| Total risk-based capital ratio | 17.6569% | 2,472 |
| Memoranda: | ||
| Average total assets | $325,161,000 | 2,056 |
| Average earning assets | $296,472,000 | 2,079 |
| Average equity | $40,005,000 | 1,849 |
| Average total loans | $264,858,000 | 1,696 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1254% | 493 |
| Cost of funding earning assets | 0.5138% | 2,038 |
| Net interest margin | 4.6116% | 534 |
| Noninterest income to average assets | 1.5403% | 531 |
| Noninterest expense to average assets | 4.1539% | 565 |
| Loan and lease loss provision to assets | 0.0976% | 2,363 |
| Net operating income to assets | 1.0012% | 2,357 |
| Return on assets (ROA) | 1.0012% | 2,453 |
| Pretax return on assets | 1.5168% | 1,502 |
| Return on Equity (ROE) | 8.3260% | 2,788 |
| Retained earnings to average equity (ytd only) | 8.3260% | 818 |
| Net charge-offs to loans | 0.0957% | 2,465 |
| Credit loss provision to net charge-offs | 125.6198% | 2,068 |
| Earnings coverage of net charge-offs (x) | 20.7769% | 1,854 |
| Efficiency ratio | 71.6059% | 2,965 |
| Assets per employee ($millions) | 3.1717% | 5,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5187% | 1,912 |
| Loan loss allowance to noncurrent loans | 149.9058% | 2,811 |
| Noncurrent assets plus other real estate owned to assets | 1.1594% | 1,871 |
| Noncurrent loans to loans | 1.0131% | 2,316 |
| Net loans and leases to total assets | 79.7130% | 879 |
| Net loans and leases to deposits | 96.8473% | 918 |
| Net loans and leases to core deposits | 103.3466% | 1,272 |
| Total domestic deposits to total assets | 82.3079% | 4,081 |
| Equity capital to assets | 12.2179% | 1,807 |
| Core capital (leverage) ratio | 12.1058% | 1,555 |
| Tier 1 risk-based capital ratio | 16.3310% | 2,554 |
| Total risk-based capital ratio | 17.5861% | 2,510 |
| Memoranda: | ||
| Average total assets | $311,440,600 | 2,083 |
| Average earning assets | $285,539,200 | 2,101 |
| Average equity | $37,449,000 | 1,909 |
| Average total loans | $252,852,400 | 1,711 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1317% | 486 |
| Cost of funding earning assets | 0.5362% | 1,919 |
| Net interest margin | 4.5956% | 551 |
| Noninterest income to average assets | 1.5545% | 518 |
| Noninterest expense to average assets | 4.1090% | 583 |
| Loan and lease loss provision to assets | 0.1081% | 2,077 |
| Net operating income to assets | 1.0241% | 2,359 |
| Return on assets (ROA) | 1.0241% | 2,445 |
| Pretax return on assets | 1.5468% | 1,549 |
| Return on Equity (ROE) | 8.5530% | 2,796 |
| Retained earnings to average equity (ytd only) | 8.5530% | 1,044 |
| Net charge-offs to loans | 0.1479% | 1,656 |
| Credit loss provision to net charge-offs | 89.9281% | 2,473 |
| Earnings coverage of net charge-offs (x) | 13.7697% | 2,295 |
| Efficiency ratio | 70.8768% | 3,070 |
| Assets per employee ($millions) | 3.0501% | 5,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4926% | 2,192 |
| Loan loss allowance to noncurrent loans | 322.0381% | 1,523 |
| Noncurrent assets plus other real estate owned to assets | 0.9110% | 2,590 |
| Noncurrent loans to loans | 0.4635% | 3,966 |
| Net loans and leases to total assets | 81.6567% | 620 |
| Net loans and leases to deposits | 99.7360% | 674 |
| Net loans and leases to core deposits | 105.7135% | 1,121 |
| Total domestic deposits to total assets | 81.8728% | 4,205 |
| Equity capital to assets | 12.1962% | 1,964 |
| Core capital (leverage) ratio | 12.0969% | 1,620 |
| Tier 1 risk-based capital ratio | 15.8384% | 2,874 |
| Total risk-based capital ratio | 17.0933% | 2,811 |
| Memoranda: | ||
| Average total assets | $308,421,250 | 2,115 |
| Average earning assets | $282,496,750 | 2,130 |
| Average equity | $36,929,500 | 1,948 |
| Average total loans | $250,599,750 | 1,731 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1333% | 471 |
| Cost of funding earning assets | 0.5772% | 1,593 |
| Net interest margin | 4.5561% | 568 |
| Noninterest income to average assets | 1.5243% | 548 |
| Noninterest expense to average assets | 4.1343% | 588 |
| Loan and lease loss provision to assets | 0.1318% | 1,666 |
| Net operating income to assets | 0.9501% | 2,632 |
| Return on assets (ROA) | 0.9501% | 2,752 |
| Pretax return on assets | 1.4303% | 1,862 |
| Return on Equity (ROE) | 7.9852% | 3,063 |
| Retained earnings to average equity (ytd only) | 7.9852% | 1,276 |
| Net charge-offs to loans | 0.1852% | 1,347 |
| Credit loss provision to net charge-offs | 88.2096% | 2,230 |
| Earnings coverage of net charge-offs (x) | 10.4541% | 2,359 |
| Efficiency ratio | 72.1535% | 2,985 |
| Assets per employee ($millions) | 2.9880% | 5,609 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5420% | 2,104 |
| Loan loss allowance to noncurrent loans | 272.6508% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 1.1857% | 2,143 |
| Noncurrent loans to loans | 0.5655% | 3,760 |
| Net loans and leases to total assets | 80.6662% | 716 |
| Net loans and leases to deposits | 95.4244% | 1,008 |
| Net loans and leases to core deposits | 100.9700% | 1,409 |
| Total domestic deposits to total assets | 84.5342% | 3,326 |
| Equity capital to assets | 12.0915% | 1,955 |
| Core capital (leverage) ratio | 11.9339% | 1,698 |
| Tier 1 risk-based capital ratio | 16.0092% | 2,856 |
| Total risk-based capital ratio | 17.2645% | 2,810 |
| Memoranda: | ||
| Average total assets | $306,507,000 | 2,144 |
| Average earning assets | $280,677,330 | 2,160 |
| Average equity | $36,467,330 | 1,973 |
| Average total loans | $247,325,330 | 1,758 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0973% | 485 |
| Cost of funding earning assets | 0.6025% | 1,418 |
| Net interest margin | 4.4948% | 607 |
| Noninterest income to average assets | 1.4267% | 577 |
| Noninterest expense to average assets | 4.1402% | 588 |
| Loan and lease loss provision to assets | 0.1386% | 1,483 |
| Net operating income to assets | 0.8526% | 2,994 |
| Return on assets (ROA) | 0.8526% | 3,112 |
| Pretax return on assets | 1.2646% | 2,404 |
| Return on Equity (ROE) | 7.2255% | 3,384 |
| Retained earnings to average equity (ytd only) | 7.2255% | 1,905 |
| Net charge-offs to loans | 0.3691% | 662 |
| Credit loss provision to net charge-offs | 46.9027% | 2,130 |
| Earnings coverage of net charge-offs (x) | 4.7478% | 2,453 |
| Efficiency ratio | 74.2628% | 2,777 |
| Assets per employee ($millions) | 3.0948% | 5,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5342% | 2,300 |
| Loan loss allowance to noncurrent loans | 259.5759% | 1,798 |
| Noncurrent assets plus other real estate owned to assets | 1.2941% | 2,055 |
| Noncurrent loans to loans | 0.5911% | 3,806 |
| Net loans and leases to total assets | 78.6998% | 840 |
| Net loans and leases to deposits | 93.2034% | 1,069 |
| Net loans and leases to core deposits | 98.5526% | 1,424 |
| Total domestic deposits to total assets | 84.4387% | 3,639 |
| Equity capital to assets | 11.7988% | 2,201 |
| Core capital (leverage) ratio | 11.8762% | 1,717 |
| Tier 1 risk-based capital ratio | 15.9109% | 2,960 |
| Total risk-based capital ratio | 17.1660% | 2,904 |
| Memoranda: | ||
| Average total assets | $305,879,500 | 2,161 |
| Average earning assets | $280,147,500 | 2,175 |
| Average equity | $36,094,500 | 2,006 |
| Average total loans | $244,914,000 | 1,778 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2099% | 515 |
| Cost of funding earning assets | 0.6724% | 1,256 |
| Net interest margin | 4.5375% | 699 |
| Noninterest income to average assets | 1.4870% | 552 |
| Noninterest expense to average assets | 4.1449% | 643 |
| Loan and lease loss provision to assets | 0.0366% | 3,847 |
| Net operating income to assets | 0.9555% | 2,602 |
| Return on assets (ROA) | 0.9555% | 2,683 |
| Pretax return on assets | 1.4740% | 1,638 |
| Return on Equity (ROE) | 8.4927% | 2,847 |
| Retained earnings to average equity (ytd only) | 8.4927% | 834 |
| Net charge-offs to loans | 0.2645% | 1,632 |
| Credit loss provision to net charge-offs | 17.5439% | 4,003 |
| Earnings coverage of net charge-offs (x) | 7.2344% | 3,062 |
| Efficiency ratio | 72.8595% | 3,062 |
| Assets per employee ($millions) | 3.0228% | 5,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6146% | 2,046 |
| Loan loss allowance to noncurrent loans | 179.3404% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 1.3650% | 2,045 |
| Noncurrent loans to loans | 0.9003% | 3,065 |
| Net loans and leases to total assets | 78.9198% | 890 |
| Net loans and leases to deposits | 94.0000% | 1,070 |
| Net loans and leases to core deposits | 97.6460% | 1,577 |
| Total domestic deposits to total assets | 83.9572% | 3,730 |
| Equity capital to assets | 11.8017% | 2,168 |
| Core capital (leverage) ratio | 11.6560% | 1,860 |
| Tier 1 risk-based capital ratio | 16.0964% | 2,918 |
| Total risk-based capital ratio | 17.3527% | 2,855 |
| Memoranda: | ||
| Average total assets | $300,269,800 | 2,158 |
| Average earning assets | $275,859,400 | 2,158 |
| Average equity | $33,782,000 | 2,065 |
| Average total loans | $237,023,400 | 1,782 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1934% | 532 |
| Cost of funding earning assets | 0.6845% | 1,232 |
| Net interest margin | 4.5089% | 726 |
| Noninterest income to average assets | 1.5038% | 557 |
| Noninterest expense to average assets | 4.0893% | 696 |
| Loan and lease loss provision to assets | 0.0378% | 3,646 |
| Net operating income to assets | 0.9758% | 2,564 |
| Return on assets (ROA) | 0.9758% | 2,634 |
| Pretax return on assets | 1.5225% | 1,575 |
| Return on Equity (ROE) | 8.7822% | 2,796 |
| Retained earnings to average equity (ytd only) | 8.7822% | 1,067 |
| Net charge-offs to loans | 0.3134% | 1,274 |
| Credit loss provision to net charge-offs | 15.3430% | 3,630 |
| Earnings coverage of net charge-offs (x) | 6.3321% | 3,100 |
| Efficiency ratio | 71.9493% | 3,189 |
| Assets per employee ($millions) | 2.9871% | 5,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6148% | 2,252 |
| Loan loss allowance to noncurrent loans | 111.7913% | 3,396 |
| Noncurrent assets plus other real estate owned to assets | 1.5373% | 1,999 |
| Noncurrent loans to loans | 1.4444% | 2,258 |
| Net loans and leases to total assets | 80.0331% | 709 |
| Net loans and leases to deposits | 95.8152% | 895 |
| Net loans and leases to core deposits | 99.7002% | 1,394 |
| Total domestic deposits to total assets | 83.5287% | 3,941 |
| Equity capital to assets | 11.4548% | 2,526 |
| Core capital (leverage) ratio | 11.3368% | 2,189 |
| Tier 1 risk-based capital ratio | 15.4888% | 3,331 |
| Total risk-based capital ratio | 16.7456% | 3,262 |
| Memoranda: | ||
| Average total assets | $299,767,500 | 2,177 |
| Average earning assets | $275,625,250 | 2,173 |
| Average equity | $33,309,000 | 2,097 |
| Average total loans | $235,661,000 | 1,795 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1870% | 521 |
| Cost of funding earning assets | 0.7022% | 1,180 |
| Net interest margin | 4.4848% | 727 |
| Noninterest income to average assets | 1.4603% | 569 |
| Noninterest expense to average assets | 4.0652% | 706 |
| Loan and lease loss provision to assets | 0.0354% | 3,579 |
| Net operating income to assets | 0.9488% | 2,554 |
| Return on assets (ROA) | 0.9488% | 2,652 |
| Pretax return on assets | 1.4850% | 1,581 |
| Return on Equity (ROE) | 8.6282% | 2,769 |
| Retained earnings to average equity (ytd only) | 8.6282% | 1,104 |
| Net charge-offs to loans | 0.4578% | 884 |
| Credit loss provision to net charge-offs | 9.9624% | 3,304 |
| Earnings coverage of net charge-offs (x) | 4.2744% | 3,143 |
| Efficiency ratio | 72.3366% | 3,279 |
| Assets per employee ($millions) | 3.0197% | 5,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6801% | 2,185 |
| Loan loss allowance to noncurrent loans | 151.8632% | 2,694 |
| Noncurrent assets plus other real estate owned to assets | 1.3032% | 2,503 |
| Noncurrent loans to loans | 1.1063% | 3,012 |
| Net loans and leases to total assets | 77.3798% | 994 |
| Net loans and leases to deposits | 89.6409% | 1,406 |
| Net loans and leases to core deposits | 93.1813% | 1,846 |
| Total domestic deposits to total assets | 86.3220% | 2,862 |
| Equity capital to assets | 11.2840% | 2,627 |
| Core capital (leverage) ratio | 11.1806% | 2,264 |
| Tier 1 risk-based capital ratio | 15.6809% | 3,256 |
| Total risk-based capital ratio | 16.9382% | 3,192 |
| Memoranda: | ||
| Average total assets | $299,123,330 | 2,183 |
| Average earning assets | $275,152,000 | 2,175 |
| Average equity | $32,892,330 | 2,106 |
| Average total loans | $232,407,000 | 1,809 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1790% | 509 |
| Cost of funding earning assets | 0.7160% | 1,147 |
| Net interest margin | 4.4630% | 708 |
| Noninterest income to average assets | 1.4345% | 569 |
| Noninterest expense to average assets | 4.0560% | 707 |
| Loan and lease loss provision to assets | 0.0348% | 3,358 |
| Net operating income to assets | 0.9572% | 2,373 |
| Return on assets (ROA) | 0.9572% | 2,445 |
| Pretax return on assets | 1.4518% | 1,580 |
| Return on Equity (ROE) | 8.8200% | 2,542 |
| Retained earnings to average equity (ytd only) | 8.8200% | 1,305 |
| Net charge-offs to loans | 0.1178% | 2,018 |
| Credit loss provision to net charge-offs | 38.2353% | 2,311 |
| Earnings coverage of net charge-offs (x) | 16.3529% | 1,511 |
| Efficiency ratio | 72.7448% | 3,351 |
| Assets per employee ($millions) | 3.0994% | 5,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8980% | 1,760 |
| Loan loss allowance to noncurrent loans | 103.9053% | 3,526 |
| Noncurrent assets plus other real estate owned to assets | 1.5796% | 2,230 |
| Noncurrent loans to loans | 1.8266% | 2,105 |
| Net loans and leases to total assets | 74.7048% | 1,161 |
| Net loans and leases to deposits | 85.8759% | 1,617 |
| Net loans and leases to core deposits | 89.4128% | 1,967 |
| Total domestic deposits to total assets | 86.9916% | 2,817 |
| Equity capital to assets | 10.8342% | 2,900 |
| Core capital (leverage) ratio | 10.7544% | 2,646 |
| Tier 1 risk-based capital ratio | 15.7674% | 3,289 |
| Total risk-based capital ratio | 17.0281% | 3,245 |
| Memoranda: | ||
| Average total assets | $299,208,000 | 2,183 |
| Average earning assets | $275,421,500 | 2,184 |
| Average equity | $32,471,500 | 2,125 |
| Average total loans | $230,969,000 | 1,817 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2603% | 568 |
| Cost of funding earning assets | 0.8155% | 1,120 |
| Net interest margin | 4.4449% | 832 |
| Noninterest income to average assets | 1.5338% | 603 |
| Noninterest expense to average assets | 4.2631% | 657 |
| Loan and lease loss provision to assets | 0.1071% | 3,010 |
| Net operating income to assets | 0.8479% | 3,044 |
| Return on assets (ROA) | 0.8479% | 3,122 |
| Pretax return on assets | 1.2495% | 2,363 |
| Return on Equity (ROE) | 6.7873% | 3,681 |
| Retained earnings to average equity (ytd only) | -20.3402% | 6,670 |
| Net charge-offs to loans | 0.1606% | 3,199 |
| Credit loss provision to net charge-offs | 88.0223% | 2,822 |
| Earnings coverage of net charge-offs (x) | 11.1504% | 2,270 |
| Efficiency ratio | 75.4206% | 2,872 |
| Assets per employee ($millions) | 2.8890% | 5,998 |
| Cash dividends to net income (ytd only)* | 399.6803% | 20 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9216% | 1,733 |
| Loan loss allowance to noncurrent loans | 108.3619% | 3,401 |
| Noncurrent assets plus other real estate owned to assets | 1.5281% | 2,432 |
| Noncurrent loans to loans | 1.7733% | 2,271 |
| Net loans and leases to total assets | 76.7648% | 981 |
| Net loans and leases to deposits | 88.5901% | 1,403 |
| Net loans and leases to core deposits | 92.1286% | 1,786 |
| Total domestic deposits to total assets | 86.6517% | 2,905 |
| Equity capital to assets | 10.8713% | 2,736 |
| Core capital (leverage) ratio | 10.8401% | 2,536 |
| Tier 1 risk-based capital ratio | 15.7445% | 3,225 |
| Total risk-based capital ratio | 17.0059% | 3,180 |
| Memoranda: | ||
| Average total assets | $295,089,400 | 2,173 |
| Average earning assets | $271,256,600 | 2,168 |
| Average equity | $36,863,000 | 1,874 |
| Average total loans | $223,581,400 | 1,831 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2598% | 568 |
| Cost of funding earning assets | 0.8293% | 1,156 |
| Net interest margin | 4.4305% | 840 |
| Noninterest income to average assets | 1.5361% | 621 |
| Noninterest expense to average assets | 4.2457% | 660 |
| Loan and lease loss provision to assets | 0.1274% | 2,701 |
| Net operating income to assets | 0.8383% | 3,150 |
| Return on assets (ROA) | 0.8383% | 3,282 |
| Pretax return on assets | 1.2362% | 2,558 |
| Return on Equity (ROE) | 6.5001% | 3,927 |
| Retained earnings to average equity (ytd only) | -28.5222% | 6,800 |
| Net charge-offs to loans | 0.1689% | 2,865 |
| Credit loss provision to net charge-offs | 100.3559% | 2,329 |
| Earnings coverage of net charge-offs (x) | 10.7437% | 2,326 |
| Efficiency ratio | 75.2476% | 2,856 |
| Assets per employee ($millions) | 3.0465% | 5,777 |
| Cash dividends to net income (ytd only)* | 538.7941% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9741% | 1,785 |
| Loan loss allowance to noncurrent loans | 60.7409% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 2.6334% | 1,435 |
| Noncurrent loans to loans | 3.2500% | 1,207 |
| Net loans and leases to total assets | 75.2134% | 1,113 |
| Net loans and leases to deposits | 86.4621% | 1,565 |
| Net loans and leases to core deposits | 90.0069% | 1,966 |
| Total domestic deposits to total assets | 86.9899% | 2,697 |
| Equity capital to assets | 10.5634% | 3,205 |
| Core capital (leverage) ratio | 10.4898% | 3,015 |
| Tier 1 risk-based capital ratio | 15.4294% | 3,507 |
| Total risk-based capital ratio | 16.6917% | 3,456 |
| Memoranda: | ||
| Average total assets | $295,193,250 | 2,188 |
| Average earning assets | $271,387,250 | 2,175 |
| Average equity | $38,070,000 | 1,836 |
| Average total loans | $221,817,250 | 1,849 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2969% | 530 |
| Cost of funding earning assets | 0.8463% | 1,157 |
| Net interest margin | 4.4506% | 779 |
| Noninterest income to average assets | 1.5792% | 633 |
| Noninterest expense to average assets | 4.2028% | 692 |
| Loan and lease loss provision to assets | 0.1410% | 2,570 |
| Net operating income to assets | 0.8879% | 2,859 |
| Return on assets (ROA) | 0.8879% | 3,014 |
| Pretax return on assets | 1.3271% | 2,206 |
| Return on Equity (ROE) | 6.4924% | 3,885 |
| Retained earnings to average equity (ytd only) | 6.4924% | 2,151 |
| Net charge-offs to loans | 0.1508% | 2,896 |
| Credit loss provision to net charge-offs | 125.3012% | 1,798 |
| Earnings coverage of net charge-offs (x) | 13.0482% | 1,929 |
| Efficiency ratio | 73.6704% | 3,186 |
| Assets per employee ($millions) | 2.8983% | 6,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0632% | 1,713 |
| Loan loss allowance to noncurrent loans | 59.0689% | 4,833 |
| Noncurrent assets plus other real estate owned to assets | 2.7231% | 1,530 |
| Noncurrent loans to loans | 3.4929% | 1,222 |
| Net loans and leases to total assets | 71.8253% | 1,607 |
| Net loans and leases to deposits | 86.7827% | 1,482 |
| Net loans and leases to core deposits | 90.7070% | 1,840 |
| Total domestic deposits to total assets | 82.7645% | 4,794 |
| Equity capital to assets | 13.6770% | 1,064 |
| Core capital (leverage) ratio | 13.5525% | 958 |
| Tier 1 risk-based capital ratio | 20.8156% | 1,540 |
| Total risk-based capital ratio | 22.0790% | 1,506 |
| Memoranda: | ||
| Average total assets | $295,087,670 | 2,195 |
| Average earning assets | $271,290,000 | 2,184 |
| Average equity | $40,354,670 | 1,744 |
| Average total loans | $220,176,670 | 1,855 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4299% | 413 |
| Cost of funding earning assets | 0.8741% | 1,122 |
| Net interest margin | 4.5558% | 613 |
| Noninterest income to average assets | 1.5025% | 686 |
| Noninterest expense to average assets | 4.2431% | 668 |
| Loan and lease loss provision to assets | 0.1841% | 2,002 |
| Net operating income to assets | 0.8181% | 3,062 |
| Return on assets (ROA) | 0.8181% | 3,206 |
| Pretax return on assets | 1.2612% | 2,367 |
| Return on Equity (ROE) | 5.9824% | 4,057 |
| Retained earnings to average equity (ytd only) | 5.9824% | 2,684 |
| Net charge-offs to loans | 0.1087% | 2,787 |
| Credit loss provision to net charge-offs | 225.0000% | 1,001 |
| Earnings coverage of net charge-offs (x) | 17.6667% | 1,300 |
| Efficiency ratio | 74.1611% | 3,237 |
| Assets per employee ($millions) | 3.1086% | 5,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0696% | 1,866 |
| Loan loss allowance to noncurrent loans | 121.0428% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 1.4574% | 3,071 |
| Noncurrent loans to loans | 1.7098% | 2,981 |
| Net loans and leases to total assets | 72.9030% | 1,219 |
| Net loans and leases to deposits | 88.1635% | 1,131 |
| Net loans and leases to core deposits | 91.4667% | 1,562 |
| Total domestic deposits to total assets | 82.6907% | 4,958 |
| Equity capital to assets | 13.6787% | 1,145 |
| Core capital (leverage) ratio | 13.4636% | 958 |
| Tier 1 risk-based capital ratio | 20.7421% | 1,604 |
| Total risk-based capital ratio | 22.0061% | 1,570 |
| Memoranda: | ||
| Average total assets | $293,370,000 | 2,231 |
| Average earning assets | $269,545,000 | 2,218 |
| Average equity | $40,117,500 | 1,768 |
| Average total loans | $220,799,000 | 1,862 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6399% | 474 |
| Cost of funding earning assets | 1.0204% | 1,252 |
| Net interest margin | 4.6195% | 755 |
| Noninterest income to average assets | 1.6343% | 596 |
| Noninterest expense to average assets | 3.9406% | 1,052 |
| Loan and lease loss provision to assets | 0.3714% | 1,763 |
| Net operating income to assets | 0.9776% | 2,436 |
| Return on assets (ROA) | 0.9776% | 2,663 |
| Pretax return on assets | 1.5707% | 1,460 |
| Return on Equity (ROE) | 6.8635% | 3,718 |
| Retained earnings to average equity (ytd only) | -2.7932% | 6,247 |
| Net charge-offs to loans | 0.3572% | 2,844 |
| Credit loss provision to net charge-offs | 140.0778% | 1,967 |
| Earnings coverage of net charge-offs (x) | 7.3256% | 2,629 |
| Efficiency ratio | 66.5595% | 4,401 |
| Assets per employee ($millions) | 2.8853% | 6,185 |
| Cash dividends to net income (ytd only)* | 140.6964% | 240 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0180% | 1,975 |
| Loan loss allowance to noncurrent loans | 114.8025% | 2,988 |
| Noncurrent assets plus other real estate owned to assets | 1.5123% | 3,115 |
| Noncurrent loans to loans | 1.7578% | 2,974 |
| Net loans and leases to total assets | 74.5576% | 1,119 |
| Net loans and leases to deposits | 90.6007% | 1,016 |
| Net loans and leases to core deposits | 93.9117% | 1,477 |
| Total domestic deposits to total assets | 82.2925% | 4,995 |
| Equity capital to assets | 13.6707% | 1,166 |
| Core capital (leverage) ratio | 13.4316% | 972 |
| Tier 1 risk-based capital ratio | 20.0702% | 1,654 |
| Total risk-based capital ratio | 21.3330% | 1,624 |
| Memoranda: | ||
| Average total assets | $290,821,400 | 2,197 |
| Average earning assets | $267,451,200 | 2,174 |
| Average equity | $41,422,000 | 1,685 |
| Average total loans | $215,832,000 | 1,876 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6184% | 542 |
| Cost of funding earning assets | 1.0404% | 1,336 |
| Net interest margin | 4.5780% | 854 |
| Noninterest income to average assets | 1.5820% | 596 |
| Noninterest expense to average assets | 3.8618% | 1,116 |
| Loan and lease loss provision to assets | 0.2780% | 2,345 |
| Net operating income to assets | 1.0096% | 2,459 |
| Return on assets (ROA) | 1.0096% | 2,689 |
| Pretax return on assets | 1.6527% | 1,401 |
| Return on Equity (ROE) | 7.0176% | 3,807 |
| Retained earnings to average equity (ytd only) | 7.0176% | 2,118 |
| Net charge-offs to loans | 0.1773% | 3,690 |
| Credit loss provision to net charge-offs | 212.6316% | 1,305 |
| Earnings coverage of net charge-offs (x) | 14.7684% | 1,817 |
| Efficiency ratio | 66.2338% | 4,410 |
| Assets per employee ($millions) | 3.1803% | 5,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0473% | 2,042 |
| Loan loss allowance to noncurrent loans | 101.1725% | 3,192 |
| Noncurrent assets plus other real estate owned to assets | 1.7503% | 2,979 |
| Noncurrent loans to loans | 2.0236% | 2,819 |
| Net loans and leases to total assets | 73.3723% | 1,341 |
| Net loans and leases to deposits | 90.1371% | 1,133 |
| Net loans and leases to core deposits | 93.3272% | 1,646 |
| Total domestic deposits to total assets | 81.4008% | 5,233 |
| Equity capital to assets | 14.7025% | 907 |
| Core capital (leverage) ratio | 14.4469% | 720 |
| Tier 1 risk-based capital ratio | 21.7387% | 1,374 |
| Total risk-based capital ratio | 23.0014% | 1,349 |
| Memoranda: | ||
| Average total assets | $290,672,000 | 2,225 |
| Average earning assets | $267,329,750 | 2,207 |
| Average equity | $41,817,750 | 1,681 |
| Average total loans | $214,352,500 | 1,907 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6029% | 572 |
| Cost of funding earning assets | 1.0614% | 1,405 |
| Net interest margin | 4.5415% | 924 |
| Noninterest income to average assets | 1.4915% | 654 |
| Noninterest expense to average assets | 3.8519% | 1,140 |
| Loan and lease loss provision to assets | 0.1421% | 3,742 |
| Net operating income to assets | 0.9709% | 2,582 |
| Return on assets (ROA) | 0.9709% | 2,824 |
| Pretax return on assets | 1.6784% | 1,321 |
| Return on Equity (ROE) | 6.7990% | 3,888 |
| Retained earnings to average equity (ytd only) | 6.7990% | 2,217 |
| Net charge-offs to loans | 0.1438% | 3,767 |
| Credit loss provision to net charge-offs | 134.6405% | 2,044 |
| Earnings coverage of net charge-offs (x) | 17.2549% | 1,542 |
| Efficiency ratio | 67.4568% | 4,245 |
| Assets per employee ($millions) | 3.0220% | 6,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9473% | 2,382 |
| Loan loss allowance to noncurrent loans | 169.3697% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 1.1490% | 4,091 |
| Noncurrent loans to loans | 1.1497% | 4,231 |
| Net loans and leases to total assets | 72.4702% | 1,475 |
| Net loans and leases to deposits | 88.5689% | 1,309 |
| Net loans and leases to core deposits | 91.3896% | 1,829 |
| Total domestic deposits to total assets | 81.8235% | 5,196 |
| Equity capital to assets | 14.3991% | 948 |
| Core capital (leverage) ratio | 14.1393% | 766 |
| Tier 1 risk-based capital ratio | 21.7180% | 1,345 |
| Total risk-based capital ratio | 22.9799% | 1,324 |
| Memoranda: | ||
| Average total assets | $290,035,000 | 2,230 |
| Average earning assets | $267,003,000 | 2,211 |
| Average equity | $41,418,000 | 1,690 |
| Average total loans | $212,749,330 | 1,923 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6449% | 579 |
| Cost of funding earning assets | 1.0905% | 1,451 |
| Net interest margin | 4.5544% | 905 |
| Noninterest income to average assets | 1.4808% | 662 |
| Noninterest expense to average assets | 3.9156% | 1,045 |
| Loan and lease loss provision to assets | 0.1192% | 3,858 |
| Net operating income to assets | 0.8527% | 3,145 |
| Return on assets (ROA) | 0.8527% | 3,380 |
| Pretax return on assets | 1.6445% | 1,446 |
| Return on Equity (ROE) | 5.9967% | 4,297 |
| Retained earnings to average equity (ytd only) | 5.9967% | 2,962 |
| Net charge-offs to loans | 0.3492% | 2,258 |
| Credit loss provision to net charge-offs | 46.7391% | 3,334 |
| Earnings coverage of net charge-offs (x) | 6.9130% | 2,142 |
| Efficiency ratio | 68.5059% | 4,069 |
| Assets per employee ($millions) | 3.2629% | 5,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9123% | 2,640 |
| Loan loss allowance to noncurrent loans | 127.7237% | 2,494 |
| Noncurrent assets plus other real estate owned to assets | 1.1796% | 4,158 |
| Noncurrent loans to loans | 1.4972% | 3,875 |
| Net loans and leases to total assets | 71.0553% | 1,562 |
| Net loans and leases to deposits | 86.3226% | 1,380 |
| Net loans and leases to core deposits | 89.0525% | 1,945 |
| Total domestic deposits to total assets | 82.3137% | 5,192 |
| Equity capital to assets | 14.0562% | 1,006 |
| Core capital (leverage) ratio | 13.8282% | 849 |
| Tier 1 risk-based capital ratio | 20.2803% | 1,643 |
| Total risk-based capital ratio | 21.5402% | 1,612 |
| Memoranda: | ||
| Average total assets | $288,484,000 | 2,255 |
| Average earning assets | $265,939,000 | 2,231 |
| Average equity | $41,022,500 | 1,697 |
| Average total loans | $210,796,000 | 1,942 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8506% | 574 |
| Cost of funding earning assets | 1.3763% | 1,139 |
| Net interest margin | 4.4743% | 1,198 |
| Noninterest income to average assets | 1.5379% | 559 |
| Noninterest expense to average assets | 3.9455% | 1,121 |
| Loan and lease loss provision to assets | 0.6528% | 1,557 |
| Net operating income to assets | 0.7395% | 3,296 |
| Return on assets (ROA) | 0.7400% | 3,465 |
| Pretax return on assets | 1.0464% | 3,048 |
| Return on Equity (ROE) | 5.3111% | 4,245 |
| Retained earnings to average equity (ytd only) | 5.3111% | 2,440 |
| Net charge-offs to loans | 0.0102% | 6,286 |
| Credit loss provision to net charge-offs | 8,766.6667% | 24 |
| Earnings coverage of net charge-offs (x) | 228.0952% | 148 |
| Efficiency ratio | 69.3598% | 4,078 |
| Assets per employee ($millions) | 3.0464% | 5,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9946% | 2,302 |
| Loan loss allowance to noncurrent loans | 126.2807% | 2,489 |
| Noncurrent assets plus other real estate owned to assets | 1.3501% | 3,979 |
| Noncurrent loans to loans | 1.5795% | 3,796 |
| Net loans and leases to total assets | 72.2524% | 1,601 |
| Net loans and leases to deposits | 88.4473% | 1,326 |
| Net loans and leases to core deposits | 90.0528% | 2,128 |
| Total domestic deposits to total assets | 81.6897% | 5,240 |
| Equity capital to assets | 14.3898% | 935 |
| Core capital (leverage) ratio | 14.1291% | 792 |
| Tier 1 risk-based capital ratio | 20.6944% | 1,481 |
| Total risk-based capital ratio | 21.9555% | 1,451 |
| Memoranda: | ||
| Average total assets | $282,017,000 | 2,250 |
| Average earning assets | $258,811,200 | 2,245 |
| Average equity | $39,294,800 | 1,719 |
| Average total loans | $204,982,000 | 1,995 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8555% | 615 |
| Cost of funding earning assets | 1.3964% | 1,248 |
| Net interest margin | 4.4592% | 1,250 |
| Noninterest income to average assets | 1.4824% | 596 |
| Noninterest expense to average assets | 3.9404% | 1,086 |
| Loan and lease loss provision to assets | 0.6986% | 1,383 |
| Net operating income to assets | 0.6298% | 3,967 |
| Return on assets (ROA) | 0.6305% | 4,143 |
| Pretax return on assets | 0.9329% | 3,643 |
| Return on Equity (ROE) | 4.5623% | 4,745 |
| Retained earnings to average equity (ytd only) | 4.5623% | 3,470 |
| Net charge-offs to loans | 0.8450% | 1,882 |
| Credit loss provision to net charge-offs | 114.1531% | 2,864 |
| Earnings coverage of net charge-offs (x) | 2.6643% | 3,788 |
| Efficiency ratio | 70.1444% | 3,939 |
| Assets per employee ($millions) | 3.2550% | 5,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1964% | 5,483 |
| Loan loss allowance to noncurrent loans | 93.3887% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 1.1735% | 4,437 |
| Noncurrent loans to loans | 1.2811% | 4,390 |
| Net loans and leases to total assets | 72.0925% | 1,685 |
| Net loans and leases to deposits | 92.9692% | 922 |
| Net loans and leases to core deposits | 94.7398% | 1,722 |
| Total domestic deposits to total assets | 77.5445% | 6,288 |
| Equity capital to assets | 14.0719% | 1,132 |
| Core capital (leverage) ratio | 13.7964% | 954 |
| Tier 1 risk-based capital ratio | 20.0713% | 1,667 |
| Total risk-based capital ratio | 21.3215% | 1,638 |
| Memoranda: | ||
| Average total assets | $281,693,500 | 2,259 |
| Average earning assets | $258,278,750 | 2,259 |
| Average equity | $38,926,500 | 1,736 |
| Average total loans | $204,011,250 | 2,028 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8593% | 639 |
| Cost of funding earning assets | 1.4022% | 1,412 |
| Net interest margin | 4.4571% | 1,233 |
| Noninterest income to average assets | 1.4090% | 644 |
| Noninterest expense to average assets | 3.9410% | 1,130 |
| Loan and lease loss provision to assets | 0.6807% | 1,409 |
| Net operating income to assets | 0.5875% | 4,120 |
| Return on assets (ROA) | 0.5875% | 4,252 |
| Pretax return on assets | 0.8727% | 3,747 |
| Return on Equity (ROE) | 4.2777% | 4,802 |
| Retained earnings to average equity (ytd only) | 4.2777% | 3,475 |
| Net charge-offs to loans | 1.0357% | 1,519 |
| Credit loss provision to net charge-offs | 90.9696% | 3,428 |
| Earnings coverage of net charge-offs (x) | 2.0760% | 3,817 |
| Efficiency ratio | 71.2362% | 3,894 |
| Assets per employee ($millions) | 3.0760% | 5,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0530% | 6,133 |
| Loan loss allowance to noncurrent loans | 162.7555% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.6915% | 5,523 |
| Noncurrent loans to loans | 0.6470% | 5,628 |
| Net loans and leases to total assets | 71.3892% | 1,910 |
| Net loans and leases to deposits | 91.9161% | 1,072 |
| Net loans and leases to core deposits | 93.6616% | 1,942 |
| Total domestic deposits to total assets | 77.6678% | 6,346 |
| Equity capital to assets | 13.8695% | 1,143 |
| Core capital (leverage) ratio | 13.6075% | 969 |
| Tier 1 risk-based capital ratio | 19.8570% | 1,640 |
| Total risk-based capital ratio | 20.9704% | 1,640 |
| Memoranda: | ||
| Average total assets | $281,197,330 | 2,278 |
| Average earning assets | $257,746,000 | 2,274 |
| Average equity | $38,619,000 | 1,738 |
| Average total loans | $203,140,000 | 2,057 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9020% | 593 |
| Cost of funding earning assets | 1.4198% | 1,512 |
| Net interest margin | 4.4822% | 1,112 |
| Noninterest income to average assets | 1.3286% | 730 |
| Noninterest expense to average assets | 3.8273% | 1,297 |
| Loan and lease loss provision to assets | 0.2854% | 2,864 |
| Net operating income to assets | 0.8505% | 2,781 |
| Return on assets (ROA) | 0.8505% | 2,839 |
| Pretax return on assets | 1.3200% | 1,977 |
| Return on Equity (ROE) | 6.2240% | 3,771 |
| Retained earnings to average equity (ytd only) | 6.2240% | 2,511 |
| Net charge-offs to loans | 0.5567% | 2,103 |
| Credit loss provision to net charge-offs | 70.9220% | 3,338 |
| Earnings coverage of net charge-offs (x) | 3.9894% | 2,585 |
| Efficiency ratio | 69.9501% | 4,284 |
| Assets per employee ($millions) | 3.2183% | 5,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0489% | 6,226 |
| Loan loss allowance to noncurrent loans | 170.1992% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.8153% | 5,271 |
| Noncurrent loans to loans | 0.6163% | 5,799 |
| Net loans and leases to total assets | 71.1534% | 1,890 |
| Net loans and leases to deposits | 91.3358% | 1,079 |
| Net loans and leases to core deposits | 92.8397% | 2,030 |
| Total domestic deposits to total assets | 77.9031% | 6,394 |
| Equity capital to assets | 13.6315% | 1,134 |
| Core capital (leverage) ratio | 13.4738% | 976 |
| Tier 1 risk-based capital ratio | 19.6439% | 1,663 |
| Total risk-based capital ratio | 20.7459% | 1,664 |
| Memoranda: | ||
| Average total assets | $280,298,500 | 2,304 |
| Average earning assets | $256,657,500 | 2,297 |
| Average equity | $38,303,500 | 1,740 |
| Average total loans | $202,621,000 | 2,083 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8637% | 1,124 |
| Cost of funding earning assets | 1.7653% | 1,320 |
| Net interest margin | 4.0984% | 2,565 |
| Noninterest income to average assets | 1.4061% | 737 |
| Noninterest expense to average assets | 3.8483% | 1,393 |
| Loan and lease loss provision to assets | 0.5703% | 2,847 |
| Net operating income to assets | 0.5768% | 3,771 |
| Return on assets (ROA) | 0.5940% | 3,867 |
| Pretax return on assets | 0.7785% | 3,699 |
| Return on Equity (ROE) | 4.7294% | 4,184 |
| Retained earnings to average equity (ytd only) | 4.7294% | 2,591 |
| Net charge-offs to loans | 0.9462% | 2,292 |
| Credit loss provision to net charge-offs | 84.6358% | 5,360 |
| Earnings coverage of net charge-offs (x) | 1.9681% | 4,255 |
| Efficiency ratio | 73.8438% | 3,427 |
| Assets per employee ($millions) | 3.1521% | 5,771 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0943% | 5,970 |
| Loan loss allowance to noncurrent loans | 108.1903% | 2,673 |
| Noncurrent assets plus other real estate owned to assets | 1.1270% | 4,757 |
| Noncurrent loans to loans | 1.0115% | 5,041 |
| Net loans and leases to total assets | 71.8802% | 2,127 |
| Net loans and leases to deposits | 92.3040% | 1,235 |
| Net loans and leases to core deposits | 93.9565% | 2,258 |
| Total domestic deposits to total assets | 77.8734% | 6,343 |
| Equity capital to assets | 13.6997% | 1,125 |
| Core capital (leverage) ratio | 13.5327% | 972 |
| Tier 1 risk-based capital ratio | 19.6274% | 1,570 |
| Total risk-based capital ratio | 20.7835% | 1,558 |
| Memoranda: | ||
| Average total assets | $279,136,200 | 2,287 |
| Average earning assets | $256,664,000 | 2,284 |
| Average equity | $35,057,200 | 1,891 |
| Average total loans | $198,788,200 | 2,167 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8033% | 1,390 |
| Cost of funding earning assets | 1.8324% | 1,291 |
| Net interest margin | 3.9709% | 3,234 |
| Noninterest income to average assets | 1.3587% | 731 |
| Noninterest expense to average assets | 3.8729% | 1,239 |
| Loan and lease loss provision to assets | 0.4721% | 3,116 |
| Net operating income to assets | 0.4718% | 4,434 |
| Return on assets (ROA) | 0.4931% | 4,544 |
| Pretax return on assets | 0.6991% | 4,228 |
| Return on Equity (ROE) | 4.0168% | 4,767 |
| Retained earnings to average equity (ytd only) | 4.0168% | 3,649 |
| Net charge-offs to loans | 0.8568% | 2,305 |
| Credit loss provision to net charge-offs | 77.7690% | 5,203 |
| Earnings coverage of net charge-offs (x) | 1.8798% | 4,301 |
| Efficiency ratio | 76.6977% | 2,816 |
| Assets per employee ($millions) | 3.3611% | 5,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0988% | 5,953 |
| Loan loss allowance to noncurrent loans | 152.8354% | 1,854 |
| Noncurrent assets plus other real estate owned to assets | 0.9685% | 5,150 |
| Noncurrent loans to loans | 0.7189% | 5,775 |
| Net loans and leases to total assets | 69.6259% | 2,824 |
| Net loans and leases to deposits | 89.1226% | 1,844 |
| Net loans and leases to core deposits | 90.5243% | 3,023 |
| Total domestic deposits to total assets | 78.1237% | 6,235 |
| Equity capital to assets | 13.1986% | 1,495 |
| Core capital (leverage) ratio | 12.8892% | 1,269 |
| Tier 1 risk-based capital ratio | 19.9816% | 1,557 |
| Total risk-based capital ratio | 21.1869% | 1,531 |
| Memoranda: | ||
| Average total assets | $279,574,000 | 2,317 |
| Average earning assets | $257,363,750 | 2,307 |
| Average equity | $34,321,250 | 1,955 |
| Average total loans | $198,087,500 | 2,205 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7996% | 1,431 |
| Cost of funding earning assets | 1.8805% | 1,304 |
| Net interest margin | 3.9190% | 3,356 |
| Noninterest income to average assets | 1.3706% | 670 |
| Noninterest expense to average assets | 3.9022% | 1,183 |
| Loan and lease loss provision to assets | 0.4540% | 3,053 |
| Net operating income to assets | 0.4420% | 4,577 |
| Return on assets (ROA) | 0.4569% | 4,678 |
| Pretax return on assets | 0.6471% | 4,410 |
| Return on Equity (ROE) | 3.8202% | 4,869 |
| Retained earnings to average equity (ytd only) | 3.8202% | 3,660 |
| Net charge-offs to loans | 0.9042% | 2,026 |
| Credit loss provision to net charge-offs | 70.7071% | 4,953 |
| Earnings coverage of net charge-offs (x) | 1.6824% | 4,250 |
| Efficiency ratio | 77.7697% | 2,765 |
| Assets per employee ($millions) | 3.1269% | 5,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 6,032 |
| Loan loss allowance to noncurrent loans | 185.5432% | 1,514 |
| Noncurrent assets plus other real estate owned to assets | 0.7821% | 5,554 |
| Noncurrent loans to loans | 0.5826% | 6,085 |
| Net loans and leases to total assets | 70.5253% | 2,789 |
| Net loans and leases to deposits | 90.4521% | 1,778 |
| Net loans and leases to core deposits | 92.2803% | 2,944 |
| Total domestic deposits to total assets | 77.9698% | 6,277 |
| Equity capital to assets | 13.2195% | 1,464 |
| Core capital (leverage) ratio | 12.9264% | 1,235 |
| Tier 1 risk-based capital ratio | 19.6208% | 1,578 |
| Total risk-based capital ratio | 20.7962% | 1,570 |
| Memoranda: | ||
| Average total assets | $277,533,000 | 2,352 |
| Average earning assets | $255,778,000 | 2,345 |
| Average equity | $33,192,330 | 2,006 |
| Average total loans | $197,073,670 | 2,244 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7768% | 1,533 |
| Cost of funding earning assets | 1.9104% | 1,405 |
| Net interest margin | 3.8664% | 3,477 |
| Noninterest income to average assets | 1.2018% | 842 |
| Noninterest expense to average assets | 3.9174% | 1,148 |
| Loan and lease loss provision to assets | 0.2874% | 3,727 |
| Net operating income to assets | 0.4036% | 4,823 |
| Return on assets (ROA) | 0.4180% | 4,900 |
| Pretax return on assets | 0.5864% | 4,665 |
| Return on Equity (ROE) | 3.6938% | 5,034 |
| Retained earnings to average equity (ytd only) | 3.6938% | 3,940 |
| Net charge-offs to loans | 0.6513% | 2,195 |
| Credit loss provision to net charge-offs | 62.2642% | 4,256 |
| Earnings coverage of net charge-offs (x) | 1.8491% | 3,627 |
| Efficiency ratio | 81.5333% | 2,346 |
| Assets per employee ($millions) | 3.0878% | 6,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 5,761 |
| Loan loss allowance to noncurrent loans | 228.3988% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.8111% | 5,536 |
| Noncurrent loans to loans | 0.5046% | 6,286 |
| Net loans and leases to total assets | 70.7869% | 2,739 |
| Net loans and leases to deposits | 91.2032% | 1,729 |
| Net loans and leases to core deposits | 92.1978% | 3,082 |
| Total domestic deposits to total assets | 77.6145% | 6,425 |
| Equity capital to assets | 13.3375% | 1,386 |
| Core capital (leverage) ratio | 13.0905% | 1,187 |
| Tier 1 risk-based capital ratio | 19.9734% | 1,526 |
| Total risk-based capital ratio | 21.2233% | 1,496 |
| Memoranda: | ||
| Average total assets | $275,590,500 | 2,423 |
| Average earning assets | $254,395,000 | 2,403 |
| Average equity | $31,187,500 | 2,132 |
| Average total loans | $195,290,500 | 2,326 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6779% | 488 |
| Cost of funding earning assets | 2.4627% | 1,111 |
| Net interest margin | 4.2151% | 2,017 |
| Noninterest income to average assets | 1.5054% | 634 |
| Noninterest expense to average assets | 4.2518% | 1,037 |
| Loan and lease loss provision to assets | 0.3623% | 4,628 |
| Net operating income to assets | 0.5004% | 3,727 |
| Return on assets (ROA) | 0.5330% | 3,695 |
| Pretax return on assets | 0.7880% | 3,288 |
| Return on Equity (ROE) | 5.3447% | 3,505 |
| Retained earnings to average equity (ytd only) | 5.3447% | 1,650 |
| Net charge-offs to loans | 0.8644% | 2,670 |
| Credit loss provision to net charge-offs | 54.0461% | 6,702 |
| Earnings coverage of net charge-offs (x) | 1.6444% | 4,506 |
| Efficiency ratio | 78.3834% | 3,132 |
| Assets per employee ($millions) | 2.8788% | 6,497 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 5,205 |
| Loan loss allowance to noncurrent loans | 118.8000% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 1.0045% | 5,102 |
| Noncurrent loans to loans | 1.0321% | 5,254 |
| Net loans and leases to total assets | 69.2574% | 3,425 |
| Net loans and leases to deposits | 81.0616% | 3,785 |
| Net loans and leases to core deposits | 97.7309% | 4,254 |
| Total domestic deposits to total assets | 85.4379% | 3,330 |
| Equity capital to assets | 9.3071% | 4,692 |
| Core capital (leverage) ratio | 9.0747% | 4,296 |
| Tier 1 risk-based capital ratio | 14.0833% | 3,450 |
| Total risk-based capital ratio | 15.3343% | 3,402 |
| Memoranda: | ||
| Average total assets | $252,550,400 | 2,583 |
| Average earning assets | $230,597,000 | 2,595 |
| Average equity | $25,183,600 | 2,592 |
| Average total loans | $195,865,800 | 2,334 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9649% | 317 |
| Cost of funding earning assets | 2.6048% | 1,019 |
| Net interest margin | 4.3600% | 1,560 |
| Noninterest income to average assets | 1.5420% | 626 |
| Noninterest expense to average assets | 4.3628% | 849 |
| Loan and lease loss provision to assets | 0.2509% | 4,943 |
| Net operating income to assets | 0.6635% | 3,341 |
| Return on assets (ROA) | 0.6991% | 3,269 |
| Pretax return on assets | 0.9467% | 3,068 |
| Return on Equity (ROE) | 6.8824% | 3,129 |
| Retained earnings to average equity (ytd only) | 6.8824% | 1,557 |
| Net charge-offs to loans | 0.3503% | 3,891 |
| Credit loss provision to net charge-offs | 89.9225% | 5,485 |
| Earnings coverage of net charge-offs (x) | 4.1202% | 3,252 |
| Efficiency ratio | 77.9696% | 3,172 |
| Assets per employee ($millions) | 2.5883% | 7,070 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5786% | 3,082 |
| Loan loss allowance to noncurrent loans | 150.0000% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 1.0285% | 5,020 |
| Noncurrent loans to loans | 1.0524% | 5,216 |
| Net loans and leases to total assets | 77.9705% | 1,577 |
| Net loans and leases to deposits | 93.2043% | 2,024 |
| Net loans and leases to core deposits | 117.7594% | 2,440 |
| Total domestic deposits to total assets | 83.6555% | 3,879 |
| Equity capital to assets | 10.5070% | 3,503 |
| Core capital (leverage) ratio | 10.1860% | 3,080 |
| Tier 1 risk-based capital ratio | 14.1513% | 3,469 |
| Total risk-based capital ratio | 15.3734% | 3,422 |
| Memoranda: | ||
| Average total assets | $246,595,750 | 2,655 |
| Average earning assets | $224,550,000 | 2,679 |
| Average equity | $25,049,000 | 2,634 |
| Average total loans | $196,386,750 | 2,353 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1046% | 265 |
| Cost of funding earning assets | 2.6818% | 1,070 |
| Net interest margin | 4.4228% | 1,356 |
| Noninterest income to average assets | 1.5598% | 616 |
| Noninterest expense to average assets | 4.3779% | 868 |
| Loan and lease loss provision to assets | 0.0616% | 6,601 |
| Net operating income to assets | 0.8342% | 2,727 |
| Return on assets (ROA) | 0.8791% | 2,647 |
| Pretax return on assets | 1.2081% | 2,276 |
| Return on Equity (ROE) | 8.7547% | 2,448 |
| Retained earnings to average equity (ytd only) | 8.7547% | 997 |
| Net charge-offs to loans | 0.4530% | 3,014 |
| Credit loss provision to net charge-offs | 17.0404% | 6,153 |
| Earnings coverage of net charge-offs (x) | 3.3430% | 3,476 |
| Efficiency ratio | 77.2121% | 3,476 |
| Assets per employee ($millions) | 2.4547% | 7,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3947% | 3,752 |
| Loan loss allowance to noncurrent loans | 340.1752% | 927 |
| Noncurrent assets plus other real estate owned to assets | 0.4312% | 6,378 |
| Noncurrent loans to loans | 0.4100% | 6,484 |
| Net loans and leases to total assets | 79.0727% | 1,505 |
| Net loans and leases to deposits | 94.6480% | 1,997 |
| Net loans and leases to core deposits | 123.3368% | 2,086 |
| Total domestic deposits to total assets | 83.5439% | 3,991 |
| Equity capital to assets | 10.4240% | 3,493 |
| Core capital (leverage) ratio | 10.1865% | 3,111 |
| Tier 1 risk-based capital ratio | 13.7828% | 3,633 |
| Total risk-based capital ratio | 15.0359% | 3,572 |
| Memoranda: | ||
| Average total assets | $246,830,000 | 2,671 |
| Average earning assets | $224,700,330 | 2,692 |
| Average equity | $24,786,670 | 2,661 |
| Average total loans | $196,916,000 | 2,380 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1660% | 264 |
| Cost of funding earning assets | 2.7567% | 1,092 |
| Net interest margin | 4.4093% | 1,324 |
| Noninterest income to average assets | 1.4714% | 651 |
| Noninterest expense to average assets | 4.1795% | 964 |
| Loan and lease loss provision to assets | 0.0901% | 5,811 |
| Net operating income to assets | 0.7687% | 3,259 |
| Return on assets (ROA) | 0.8089% | 3,256 |
| Pretax return on assets | 1.2720% | 2,367 |
| Return on Equity (ROE) | 8.2076% | 3,055 |
| Retained earnings to average equity (ytd only) | 8.2076% | 1,738 |
| Net charge-offs to loans | 0.7336% | 1,719 |
| Credit loss provision to net charge-offs | 15.4270% | 5,136 |
| Earnings coverage of net charge-offs (x) | 2.2259% | 3,626 |
| Efficiency ratio | 75.1101% | 3,640 |
| Assets per employee ($millions) | 2.5150% | 7,247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4031% | 3,483 |
| Loan loss allowance to noncurrent loans | 267.9961% | 1,260 |
| Noncurrent assets plus other real estate owned to assets | 1.5742% | 3,569 |
| Noncurrent loans to loans | 0.5235% | 6,115 |
| Net loans and leases to total assets | 78.5499% | 1,683 |
| Net loans and leases to deposits | 93.8645% | 2,292 |
| Net loans and leases to core deposits | 125.7148% | 1,939 |
| Total domestic deposits to total assets | 83.6844% | 3,851 |
| Equity capital to assets | 10.0690% | 3,921 |
| Core capital (leverage) ratio | 9.7962% | 3,638 |
| Tier 1 risk-based capital ratio | 13.0694% | 4,144 |
| Total risk-based capital ratio | 14.3187% | 4,060 |
| Memoranda: | ||
| Average total assets | $248,736,500 | 2,661 |
| Average earning assets | $226,068,500 | 2,694 |
| Average equity | $24,514,000 | 2,707 |
| Average total loans | $197,935,000 | 2,392 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2457% | 664 |
| Cost of funding earning assets | 3.2322% | 1,094 |
| Net interest margin | 4.0135% | 3,056 |
| Noninterest income to average assets | 1.5231% | 602 |
| Noninterest expense to average assets | 4.2428% | 1,104 |
| Loan and lease loss provision to assets | 0.2807% | 4,140 |
| Net operating income to assets | 0.4511% | 4,950 |
| Return on assets (ROA) | 0.4534% | 4,767 |
| Pretax return on assets | 0.6478% | 4,551 |
| Return on Equity (ROE) | 4.7090% | 4,509 |
| Retained earnings to average equity (ytd only) | 4.7090% | 2,198 |
| Net charge-offs to loans | 0.1240% | 4,997 |
| Credit loss provision to net charge-offs | 293.1624% | 1,548 |
| Earnings coverage of net charge-offs (x) | 9.6624% | 2,655 |
| Efficiency ratio | 80.8298% | 2,482 |
| Assets per employee ($millions) | 2.5613% | 7,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5237% | 2,572 |
| Loan loss allowance to noncurrent loans | 72.8493% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 1.7506% | 2,794 |
| Noncurrent loans to loans | 2.0916% | 2,643 |
| Net loans and leases to total assets | 78.2752% | 2,057 |
| Net loans and leases to deposits | 95.1227% | 2,592 |
| Net loans and leases to core deposits | 130.8921% | 1,788 |
| Total domestic deposits to total assets | 82.2887% | 4,087 |
| Equity capital to assets | 9.6457% | 4,493 |
| Core capital (leverage) ratio | 9.3969% | 4,161 |
| Tier 1 risk-based capital ratio | 12.7915% | 4,227 |
| Total risk-based capital ratio | 14.0093% | 4,174 |
| Memoranda: | ||
| Average total assets | $244,364,800 | 2,605 |
| Average earning assets | $221,924,600 | 2,635 |
| Average equity | $23,529,200 | 2,784 |
| Average total loans | $188,737,000 | 2,410 |