Home > Biscayne Bank > Performance and Condition Ratios
Biscayne Bank, Performance and Condition Ratios
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9700% | 1,415 |
| Cost of funding earning assets | 1.4448% | 390 |
| Net interest margin | 3.5251% | 3,515 |
| Noninterest income to average assets | 0.2321% | 4,351 |
| Noninterest expense to average assets | 2.0946% | 4,469 |
| Loan and lease loss provision to assets | 0.0987% | 1,772 |
| Net operating income to assets | 1.0801% | 2,545 |
| Return on assets (ROA) | 1.0682% | 2,637 |
| Pretax return on assets | 1.4113% | 2,044 |
| Return on Equity (ROE) | 12.1956% | 1,466 |
| Retained earnings to average equity (ytd only) | 12.1956% | 580 |
| Net charge-offs to loans | -0.0028% | 3,909 |
| Credit loss provision to net charge-offs | -4,166.6667% | 4,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8689% | 4,099 |
| Assets per employee ($millions) | 10.8578% | 268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9890% | 3,775 |
| Loan loss allowance to noncurrent loans | 1,295.0893% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.2898% | 3,445 |
| Noncurrent loans to loans | 0.0764% | 4,418 |
| Net loans and leases to total assets | 85.3625% | 248 |
| Net loans and leases to deposits | 110.5347% | 205 |
| Net loans and leases to core deposits | 130.4145% | 306 |
| Total domestic deposits to total assets | 77.2269% | 4,628 |
| Equity capital to assets | 8.8345% | 4,798 |
| Core capital (leverage) ratio | 8.7885% | 4,800 |
| Tier 1 risk-based capital ratio | 12.4585% | 4,198 |
| Total risk-based capital ratio | 13.6642% | 4,088 |
| Memoranda: | ||
| Average total assets | $1,013,268,000 | 773 |
| Average earning assets | $973,691,500 | 744 |
| Average equity | $88,753,500 | 978 |
| Average total loans | $865,143,500 | 674 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7086% | 1,794 |
| Cost of funding earning assets | 1.0780% | 535 |
| Net interest margin | 3.6306% | 3,280 |
| Noninterest income to average assets | 0.2389% | 4,485 |
| Noninterest expense to average assets | 1.6955% | 5,092 |
| Loan and lease loss provision to assets | 0.0936% | 2,280 |
| Net operating income to assets | 1.4721% | 1,198 |
| Return on assets (ROA) | 1.4721% | 1,191 |
| Pretax return on assets | 1.9474% | 629 |
| Return on Equity (ROE) | 17.5222% | 437 |
| Retained earnings to average equity (ytd only) | 17.5222% | 62 |
| Net charge-offs to loans | 0.0039% | 3,589 |
| Credit loss provision to net charge-offs | 2,877.4194% | 172 |
| Earnings coverage of net charge-offs (x) | 627.6774% | 172 |
| Efficiency ratio | 45.3780% | 5,135 |
| Assets per employee ($millions) | 10.7011% | 284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 3,740 |
| Loan loss allowance to noncurrent loans | 293.7065% | 1,666 |
| Noncurrent assets plus other real estate owned to assets | 0.2859% | 3,438 |
| Noncurrent loans to loans | 0.3382% | 3,336 |
| Net loans and leases to total assets | 83.6958% | 442 |
| Net loans and leases to deposits | 112.1551% | 204 |
| Net loans and leases to core deposits | 130.4635% | 312 |
| Total domestic deposits to total assets | 74.6251% | 4,906 |
| Equity capital to assets | 8.6827% | 4,814 |
| Core capital (leverage) ratio | 8.7052% | 4,875 |
| Tier 1 risk-based capital ratio | 12.5508% | 4,105 |
| Total risk-based capital ratio | 13.7675% | 3,999 |
| Memoranda: | ||
| Average total assets | $953,397,000 | 800 |
| Average earning assets | $918,454,800 | 765 |
| Average equity | $80,098,400 | 1,030 |
| Average total loans | $804,565,800 | 694 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6349% | 1,884 |
| Cost of funding earning assets | 0.9951% | 609 |
| Net interest margin | 3.6398% | 3,225 |
| Noninterest income to average assets | 0.2343% | 4,572 |
| Noninterest expense to average assets | 1.6586% | 5,166 |
| Loan and lease loss provision to assets | 0.1241% | 1,619 |
| Net operating income to assets | 1.4719% | 1,265 |
| Return on assets (ROA) | 1.4719% | 1,267 |
| Pretax return on assets | 1.9587% | 702 |
| Return on Equity (ROE) | 17.6778% | 464 |
| Retained earnings to average equity (ytd only) | 17.6778% | 90 |
| Net charge-offs to loans | 0.0050% | 3,259 |
| Credit loss provision to net charge-offs | 2,916.6667% | 143 |
| Earnings coverage of net charge-offs (x) | 489.5878% | 192 |
| Efficiency ratio | 44.3320% | 5,205 |
| Assets per employee ($millions) | 10.8779% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 3,690 |
| Loan loss allowance to noncurrent loans | 298.7597% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.2851% | 3,547 |
| Noncurrent loans to loans | 0.3382% | 3,450 |
| Net loans and leases to total assets | 83.4481% | 521 |
| Net loans and leases to deposits | 110.0466% | 283 |
| Net loans and leases to core deposits | 126.8470% | 398 |
| Total domestic deposits to total assets | 75.8298% | 4,806 |
| Equity capital to assets | 8.4468% | 4,960 |
| Core capital (leverage) ratio | 8.6729% | 4,976 |
| Tier 1 risk-based capital ratio | 12.2224% | 4,362 |
| Total risk-based capital ratio | 13.4540% | 4,273 |
| Memoranda: | ||
| Average total assets | $940,270,750 | 808 |
| Average earning assets | $905,992,500 | 774 |
| Average equity | $78,288,250 | 1,042 |
| Average total loans | $793,121,000 | 700 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6021% | 1,780 |
| Cost of funding earning assets | 0.9516% | 580 |
| Net interest margin | 3.6505% | 3,115 |
| Noninterest income to average assets | 0.2306% | 4,636 |
| Noninterest expense to average assets | 1.6749% | 5,213 |
| Loan and lease loss provision to assets | 0.1158% | 1,718 |
| Net operating income to assets | 1.4699% | 1,228 |
| Return on assets (ROA) | 1.4699% | 1,228 |
| Pretax return on assets | 1.9588% | 666 |
| Return on Equity (ROE) | 17.7460% | 447 |
| Retained earnings to average equity (ytd only) | 17.7460% | 100 |
| Net charge-offs to loans | 0.0074% | 2,863 |
| Credit loss provision to net charge-offs | 1,844.8276% | 230 |
| Earnings coverage of net charge-offs (x) | 330.4138% | 277 |
| Efficiency ratio | 44.6703% | 5,262 |
| Assets per employee ($millions) | 10.8405% | 252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0101% | 3,769 |
| Loan loss allowance to noncurrent loans | 286.5439% | 1,703 |
| Noncurrent assets plus other real estate owned to assets | 0.2960% | 3,580 |
| Noncurrent loans to loans | 0.3525% | 3,432 |
| Net loans and leases to total assets | 83.1316% | 565 |
| Net loans and leases to deposits | 106.5471% | 414 |
| Net loans and leases to core deposits | 121.8374% | 524 |
| Total domestic deposits to total assets | 78.0233% | 4,586 |
| Equity capital to assets | 8.3835% | 5,028 |
| Core capital (leverage) ratio | 8.5083% | 5,106 |
| Tier 1 risk-based capital ratio | 12.2127% | 4,365 |
| Total risk-based capital ratio | 13.4513% | 4,250 |
| Memoranda: | ||
| Average total assets | $923,731,670 | 824 |
| Average earning assets | $890,456,000 | 784 |
| Average equity | $76,513,000 | 1,068 |
| Average total loans | $779,336,670 | 716 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5619% | 1,684 |
| Cost of funding earning assets | 0.9106% | 563 |
| Net interest margin | 3.6513% | 2,982 |
| Noninterest income to average assets | 0.2192% | 4,692 |
| Noninterest expense to average assets | 1.6808% | 5,261 |
| Loan and lease loss provision to assets | 0.1101% | 1,703 |
| Net operating income to assets | 1.4616% | 1,169 |
| Return on assets (ROA) | 1.4616% | 1,172 |
| Pretax return on assets | 1.9502% | 642 |
| Return on Equity (ROE) | 17.7583% | 439 |
| Retained earnings to average equity (ytd only) | 17.7583% | 165 |
| Net charge-offs to loans | -0.0052% | 4,022 |
| Credit loss provision to net charge-offs | -2,500.0000% | 4,330 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.9282% | 5,321 |
| Assets per employee ($millions) | 11.1408% | 237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0036% | 3,933 |
| Loan loss allowance to noncurrent loans | 361.2339% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.2349% | 3,933 |
| Noncurrent loans to loans | 0.2778% | 3,775 |
| Net loans and leases to total assets | 83.6966% | 469 |
| Net loans and leases to deposits | 109.1161% | 282 |
| Net loans and leases to core deposits | 125.8244% | 427 |
| Total domestic deposits to total assets | 76.7041% | 4,896 |
| Equity capital to assets | 8.2678% | 5,123 |
| Core capital (leverage) ratio | 8.4165% | 5,189 |
| Tier 1 risk-based capital ratio | 12.0789% | 4,510 |
| Total risk-based capital ratio | 13.3210% | 4,399 |
| Memoranda: | ||
| Average total assets | $908,617,000 | 848 |
| Average earning assets | $876,388,500 | 808 |
| Average equity | $74,782,000 | 1,099 |
| Average total loans | $768,437,500 | 720 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4227% | 1,963 |
| Cost of funding earning assets | 0.7880% | 663 |
| Net interest margin | 3.6347% | 3,043 |
| Noninterest income to average assets | 0.2556% | 4,605 |
| Noninterest expense to average assets | 1.6576% | 5,373 |
| Loan and lease loss provision to assets | 0.1166% | 1,952 |
| Net operating income to assets | 1.1443% | 1,700 |
| Return on assets (ROA) | 1.1443% | 1,736 |
| Pretax return on assets | 1.9831% | 512 |
| Return on Equity (ROE) | 13.7861% | 791 |
| Retained earnings to average equity (ytd only) | 13.7861% | 115 |
| Net charge-offs to loans | -0.0006% | 4,477 |
| Credit loss provision to net charge-offs | -24,000.0000% | 5,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1173% | 5,447 |
| Assets per employee ($millions) | 11.1568% | 231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0046% | 3,907 |
| Loan loss allowance to noncurrent loans | 349.2634% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 3,920 |
| Noncurrent loans to loans | 0.2876% | 3,749 |
| Net loans and leases to total assets | 83.7504% | 469 |
| Net loans and leases to deposits | 109.9865% | 270 |
| Net loans and leases to core deposits | 125.9464% | 435 |
| Total domestic deposits to total assets | 76.1461% | 4,964 |
| Equity capital to assets | 8.1915% | 5,308 |
| Core capital (leverage) ratio | 8.2640% | 5,311 |
| Tier 1 risk-based capital ratio | 11.9350% | 4,578 |
| Total risk-based capital ratio | 13.1757% | 4,464 |
| Memoranda: | ||
| Average total assets | $823,394,600 | 906 |
| Average earning assets | $793,274,600 | 868 |
| Average equity | $68,344,000 | 1,170 |
| Average total loans | $691,393,600 | 756 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3771% | 2,026 |
| Cost of funding earning assets | 0.7603% | 722 |
| Net interest margin | 3.6168% | 3,082 |
| Noninterest income to average assets | 0.2593% | 4,648 |
| Noninterest expense to average assets | 1.7326% | 5,342 |
| Loan and lease loss provision to assets | 0.1315% | 1,652 |
| Net operating income to assets | 1.1919% | 1,730 |
| Return on assets (ROA) | 1.1919% | 1,763 |
| Pretax return on assets | 1.8799% | 722 |
| Return on Equity (ROE) | 14.3075% | 773 |
| Retained earnings to average equity (ytd only) | 14.3075% | 142 |
| Net charge-offs to loans | -0.0008% | 4,259 |
| Credit loss provision to net charge-offs | -19,875.0000% | 5,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.2758% | 5,410 |
| Assets per employee ($millions) | 10.8906% | 243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 3,957 |
| Loan loss allowance to noncurrent loans | 341.6667% | 1,433 |
| Noncurrent assets plus other real estate owned to assets | 0.2525% | 4,050 |
| Noncurrent loans to loans | 0.2984% | 3,873 |
| Net loans and leases to total assets | 83.7365% | 463 |
| Net loans and leases to deposits | 108.0249% | 338 |
| Net loans and leases to core deposits | 122.1818% | 510 |
| Total domestic deposits to total assets | 77.5160% | 4,803 |
| Equity capital to assets | 8.2377% | 5,427 |
| Core capital (leverage) ratio | 8.3775% | 5,332 |
| Tier 1 risk-based capital ratio | 12.0376% | 4,581 |
| Total risk-based capital ratio | 13.2880% | 4,479 |
| Memoranda: | ||
| Average total assets | $806,106,750 | 931 |
| Average earning assets | $776,650,750 | 890 |
| Average equity | $67,151,750 | 1,194 |
| Average total loans | $675,467,750 | 776 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3010% | 2,120 |
| Cost of funding earning assets | 0.7358% | 737 |
| Net interest margin | 3.5652% | 3,165 |
| Noninterest income to average assets | 0.2698% | 4,615 |
| Noninterest expense to average assets | 1.7677% | 5,346 |
| Loan and lease loss provision to assets | 0.0876% | 2,229 |
| Net operating income to assets | 1.1675% | 1,711 |
| Return on assets (ROA) | 1.1675% | 1,752 |
| Pretax return on assets | 1.8502% | 746 |
| Return on Equity (ROE) | 13.9582% | 816 |
| Retained earnings to average equity (ytd only) | 13.9582% | 183 |
| Net charge-offs to loans | -0.0012% | 4,146 |
| Credit loss provision to net charge-offs | -8,625.0000% | 5,107 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7055% | 5,404 |
| Assets per employee ($millions) | 10.1661% | 286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 4,013 |
| Loan loss allowance to noncurrent loans | 284.2985% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 0.3015% | 3,923 |
| Noncurrent loans to loans | 0.3596% | 3,741 |
| Net loans and leases to total assets | 82.9835% | 560 |
| Net loans and leases to deposits | 102.5429% | 573 |
| Net loans and leases to core deposits | 119.5813% | 573 |
| Total domestic deposits to total assets | 80.9257% | 4,199 |
| Equity capital to assets | 8.3884% | 5,357 |
| Core capital (leverage) ratio | 8.7120% | 5,038 |
| Tier 1 risk-based capital ratio | 12.8269% | 4,104 |
| Total risk-based capital ratio | 14.0780% | 4,016 |
| Memoranda: | ||
| Average total assets | $788,023,330 | 953 |
| Average earning assets | $759,397,330 | 915 |
| Average equity | $65,911,000 | 1,216 |
| Average total loans | $658,005,670 | 798 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3301% | 1,879 |
| Cost of funding earning assets | 0.7368% | 704 |
| Net interest margin | 3.5933% | 2,909 |
| Noninterest income to average assets | 0.2863% | 4,501 |
| Noninterest expense to average assets | 1.8050% | 5,370 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2463% | 1,387 |
| Return on assets (ROA) | 1.2463% | 1,423 |
| Pretax return on assets | 1.9453% | 562 |
| Return on Equity (ROE) | 14.9238% | 658 |
| Retained earnings to average equity (ytd only) | 14.9238% | 237 |
| Net charge-offs to loans | -0.0006% | 3,958 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1293% | 5,463 |
| Assets per employee ($millions) | 9.8805% | 317 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0223% | 4,149 |
| Loan loss allowance to noncurrent loans | 270.1060% | 1,762 |
| Noncurrent assets plus other real estate owned to assets | 0.3141% | 3,936 |
| Noncurrent loans to loans | 0.3785% | 3,741 |
| Net loans and leases to total assets | 82.1522% | 550 |
| Net loans and leases to deposits | 98.9128% | 692 |
| Net loans and leases to core deposits | 114.7648% | 642 |
| Total domestic deposits to total assets | 83.0552% | 3,812 |
| Equity capital to assets | 8.4542% | 5,272 |
| Core capital (leverage) ratio | 8.4722% | 5,245 |
| Tier 1 risk-based capital ratio | 13.0317% | 4,057 |
| Total risk-based capital ratio | 14.2826% | 3,960 |
| Memoranda: | ||
| Average total assets | $775,392,000 | 970 |
| Average earning assets | $747,506,500 | 934 |
| Average equity | $64,755,500 | 1,233 |
| Average total loans | $646,076,500 | 818 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3533% | 1,974 |
| Cost of funding earning assets | 0.7016% | 803 |
| Net interest margin | 3.6517% | 2,881 |
| Noninterest income to average assets | 0.2865% | 4,696 |
| Noninterest expense to average assets | 1.6606% | 5,595 |
| Loan and lease loss provision to assets | 0.1536% | 1,630 |
| Net operating income to assets | 1.2597% | 1,329 |
| Return on assets (ROA) | 1.2597% | 1,409 |
| Pretax return on assets | 1.9898% | 513 |
| Return on Equity (ROE) | 15.5626% | 552 |
| Retained earnings to average equity (ytd only) | 15.5626% | 94 |
| Net charge-offs to loans | 0.0020% | 4,207 |
| Credit loss provision to net charge-offs | 9,175.0000% | 47 |
| Earnings coverage of net charge-offs (x) | 1,280.0000% | 48 |
| Efficiency ratio | 43.6537% | 5,706 |
| Assets per employee ($millions) | 9.8747% | 315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0278% | 4,148 |
| Loan loss allowance to noncurrent loans | 303.4830% | 1,627 |
| Noncurrent assets plus other real estate owned to assets | 0.2833% | 4,140 |
| Noncurrent loans to loans | 0.3387% | 3,923 |
| Net loans and leases to total assets | 82.7890% | 504 |
| Net loans and leases to deposits | 100.6624% | 631 |
| Net loans and leases to core deposits | 117.5093% | 561 |
| Total domestic deposits to total assets | 82.2442% | 4,009 |
| Equity capital to assets | 8.2470% | 5,447 |
| Core capital (leverage) ratio | 8.4147% | 5,352 |
| Tier 1 risk-based capital ratio | 12.8453% | 4,171 |
| Total risk-based capital ratio | 14.0964% | 4,065 |
| Memoranda: | ||
| Average total assets | $716,618,000 | 1,000 |
| Average earning assets | $690,288,400 | 966 |
| Average equity | $58,004,600 | 1,325 |
| Average total loans | $600,233,000 | 837 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3675% | 1,953 |
| Cost of funding earning assets | 0.6966% | 828 |
| Net interest margin | 3.6709% | 2,824 |
| Noninterest income to average assets | 0.2956% | 4,651 |
| Noninterest expense to average assets | 1.6914% | 5,615 |
| Loan and lease loss provision to assets | 0.1756% | 1,282 |
| Net operating income to assets | 1.2440% | 1,477 |
| Return on assets (ROA) | 1.2440% | 1,579 |
| Pretax return on assets | 1.9627% | 627 |
| Return on Equity (ROE) | 15.4485% | 620 |
| Retained earnings to average equity (ytd only) | 15.4485% | 125 |
| Net charge-offs to loans | 0.0233% | 3,214 |
| Credit loss provision to net charge-offs | 899.0291% | 455 |
| Earnings coverage of net charge-offs (x) | 109.4951% | 616 |
| Efficiency ratio | 44.1656% | 5,738 |
| Assets per employee ($millions) | 9.7038% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0123% | 4,337 |
| Loan loss allowance to noncurrent loans | 546.5176% | 978 |
| Noncurrent assets plus other real estate owned to assets | 0.1557% | 4,812 |
| Noncurrent loans to loans | 0.1852% | 4,605 |
| Net loans and leases to total assets | 83.1854% | 490 |
| Net loans and leases to deposits | 99.7084% | 721 |
| Net loans and leases to core deposits | 116.0755% | 655 |
| Total domestic deposits to total assets | 83.4287% | 3,436 |
| Equity capital to assets | 8.0326% | 5,728 |
| Core capital (leverage) ratio | 8.4312% | 5,415 |
| Tier 1 risk-based capital ratio | 12.5971% | 4,414 |
| Total risk-based capital ratio | 13.8483% | 4,319 |
| Memoranda: | ||
| Average total assets | $703,215,750 | 1,023 |
| Average earning assets | $677,013,250 | 985 |
| Average equity | $56,625,500 | 1,368 |
| Average total loans | $589,220,000 | 848 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3545% | 1,971 |
| Cost of funding earning assets | 0.6974% | 815 |
| Net interest margin | 3.6571% | 2,869 |
| Noninterest income to average assets | 0.2908% | 4,706 |
| Noninterest expense to average assets | 1.6301% | 5,742 |
| Loan and lease loss provision to assets | 0.1743% | 1,268 |
| Net operating income to assets | 1.2694% | 1,360 |
| Return on assets (ROA) | 1.2694% | 1,473 |
| Pretax return on assets | 2.0034% | 564 |
| Return on Equity (ROE) | 15.7565% | 566 |
| Retained earnings to average equity (ytd only) | 15.7565% | 124 |
| Net charge-offs to loans | -0.0094% | 4,678 |
| Credit loss provision to net charge-offs | -2,222.2222% | 5,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.8103% | 5,846 |
| Assets per employee ($millions) | 10.5349% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0154% | 4,427 |
| Loan loss allowance to noncurrent loans | 920.7773% | 626 |
| Noncurrent assets plus other real estate owned to assets | 0.0907% | 5,159 |
| Noncurrent loans to loans | 0.1103% | 5,007 |
| Net loans and leases to total assets | 81.4261% | 690 |
| Net loans and leases to deposits | 98.2258% | 866 |
| Net loans and leases to core deposits | 113.9963% | 724 |
| Total domestic deposits to total assets | 82.8968% | 3,692 |
| Equity capital to assets | 7.8348% | 5,853 |
| Core capital (leverage) ratio | 8.5470% | 5,324 |
| Tier 1 risk-based capital ratio | 12.7521% | 4,350 |
| Total risk-based capital ratio | 14.0034% | 4,254 |
| Memoranda: | ||
| Average total assets | $688,532,670 | 1,042 |
| Average earning assets | $662,160,670 | 1,003 |
| Average equity | $55,469,000 | 1,395 |
| Average total loans | $576,324,000 | 862 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3919% | 1,826 |
| Cost of funding earning assets | 0.7096% | 772 |
| Net interest margin | 3.6822% | 2,749 |
| Noninterest income to average assets | 0.2608% | 4,865 |
| Noninterest expense to average assets | 1.6896% | 5,758 |
| Loan and lease loss provision to assets | 0.2259% | 826 |
| Net operating income to assets | 1.2035% | 1,544 |
| Return on assets (ROA) | 1.2035% | 1,649 |
| Pretax return on assets | 1.8865% | 713 |
| Return on Equity (ROE) | 14.7142% | 718 |
| Retained earnings to average equity (ytd only) | 14.7142% | 271 |
| Net charge-offs to loans | -0.0036% | 4,212 |
| Credit loss provision to net charge-offs | -7,500.0000% | 5,049 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4392% | 5,859 |
| Assets per employee ($millions) | 10.1108% | 262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0228% | 4,480 |
| Loan loss allowance to noncurrent loans | 1,368.7500% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 5,004 |
| Noncurrent loans to loans | 0.0747% | 5,179 |
| Net loans and leases to total assets | 84.4671% | 330 |
| Net loans and leases to deposits | 104.5704% | 386 |
| Net loans and leases to core deposits | 122.7920% | 392 |
| Total domestic deposits to total assets | 80.7753% | 4,559 |
| Equity capital to assets | 8.1723% | 5,757 |
| Core capital (leverage) ratio | 8.4568% | 5,428 |
| Tier 1 risk-based capital ratio | 12.8427% | 4,363 |
| Total risk-based capital ratio | 14.0943% | 4,271 |
| Memoranda: | ||
| Average total assets | $664,077,500 | 1,065 |
| Average earning assets | $638,633,500 | 1,029 |
| Average equity | $54,315,000 | 1,423 |
| Average total loans | $561,170,500 | 881 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5000% | 1,598 |
| Cost of funding earning assets | 0.6827% | 897 |
| Net interest margin | 3.8174% | 2,314 |
| Noninterest income to average assets | 0.2760% | 4,912 |
| Noninterest expense to average assets | 1.6875% | 5,852 |
| Loan and lease loss provision to assets | 0.1650% | 1,392 |
| Net operating income to assets | 1.3239% | 1,213 |
| Return on assets (ROA) | 1.3239% | 1,256 |
| Pretax return on assets | 2.0961% | 438 |
| Return on Equity (ROE) | 16.5844% | 497 |
| Retained earnings to average equity (ytd only) | 16.5844% | 102 |
| Net charge-offs to loans | -0.0095% | 5,097 |
| Credit loss provision to net charge-offs | -2,065.2174% | 5,650 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 42.7365% | 6,009 |
| Assets per employee ($millions) | 10.1677% | 257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0167% | 4,503 |
| Loan loss allowance to noncurrent loans | 1,280.7870% | 478 |
| Noncurrent assets plus other real estate owned to assets | 0.1483% | 4,997 |
| Noncurrent loans to loans | 0.0794% | 5,185 |
| Net loans and leases to total assets | 82.7830% | 513 |
| Net loans and leases to deposits | 104.0048% | 436 |
| Net loans and leases to core deposits | 122.8958% | 408 |
| Total domestic deposits to total assets | 79.5954% | 4,844 |
| Equity capital to assets | 8.1860% | 5,769 |
| Core capital (leverage) ratio | 8.5551% | 5,370 |
| Tier 1 risk-based capital ratio | 13.3689% | 4,070 |
| Total risk-based capital ratio | 14.6206% | 4,014 |
| Memoranda: | ||
| Average total assets | $575,820,400 | 1,184 |
| Average earning assets | $553,995,800 | 1,139 |
| Average equity | $45,964,800 | 1,604 |
| Average total loans | $486,055,000 | 958 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5636% | 1,427 |
| Cost of funding earning assets | 0.6842% | 910 |
| Net interest margin | 3.8794% | 2,098 |
| Noninterest income to average assets | 0.2692% | 5,007 |
| Noninterest expense to average assets | 1.7641% | 5,832 |
| Loan and lease loss provision to assets | 0.1436% | 1,531 |
| Net operating income to assets | 1.3242% | 1,280 |
| Return on assets (ROA) | 1.3242% | 1,339 |
| Pretax return on assets | 2.0920% | 507 |
| Return on Equity (ROE) | 16.7135% | 500 |
| Retained earnings to average equity (ytd only) | 16.7135% | 113 |
| Net charge-offs to loans | -0.0110% | 5,026 |
| Credit loss provision to net charge-offs | -1,538.4615% | 5,555 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.1060% | 6,038 |
| Assets per employee ($millions) | 9.4805% | 327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 4,562 |
| Loan loss allowance to noncurrent loans | 3,569.6552% | 216 |
| Noncurrent assets plus other real estate owned to assets | 0.1135% | 5,298 |
| Noncurrent loans to loans | 0.0289% | 5,509 |
| Net loans and leases to total assets | 83.0553% | 467 |
| Net loans and leases to deposits | 101.4075% | 585 |
| Net loans and leases to core deposits | 119.9279% | 469 |
| Total domestic deposits to total assets | 81.9026% | 4,193 |
| Equity capital to assets | 8.3883% | 5,772 |
| Core capital (leverage) ratio | 8.2946% | 5,724 |
| Tier 1 risk-based capital ratio | 13.6411% | 4,058 |
| Total risk-based capital ratio | 14.8932% | 3,986 |
| Memoranda: | ||
| Average total assets | $557,093,000 | 1,229 |
| Average earning assets | $535,708,250 | 1,183 |
| Average equity | $44,138,750 | 1,680 |
| Average total loans | $471,512,000 | 985 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5988% | 1,284 |
| Cost of funding earning assets | 0.6748% | 967 |
| Net interest margin | 3.9240% | 1,897 |
| Noninterest income to average assets | 0.2612% | 5,082 |
| Noninterest expense to average assets | 1.7929% | 5,861 |
| Loan and lease loss provision to assets | 0.1839% | 1,105 |
| Net operating income to assets | 1.2948% | 1,337 |
| Return on assets (ROA) | 1.2948% | 1,397 |
| Pretax return on assets | 2.0578% | 534 |
| Return on Equity (ROE) | 16.7017% | 528 |
| Retained earnings to average equity (ytd only) | 16.7017% | 135 |
| Net charge-offs to loans | -0.0160% | 5,086 |
| Credit loss provision to net charge-offs | -1,351.3514% | 5,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 44.4384% | 6,094 |
| Assets per employee ($millions) | 9.8156% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0196% | 4,770 |
| Loan loss allowance to noncurrent loans | 2,562.6263% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.1241% | 5,369 |
| Noncurrent loans to loans | 0.0398% | 5,590 |
| Net loans and leases to total assets | 83.6399% | 399 |
| Net loans and leases to deposits | 103.8383% | 460 |
| Net loans and leases to core deposits | 121.8913% | 420 |
| Total domestic deposits to total assets | 80.5482% | 4,732 |
| Equity capital to assets | 7.6421% | 6,085 |
| Core capital (leverage) ratio | 8.2716% | 5,731 |
| Tier 1 risk-based capital ratio | 12.6362% | 4,719 |
| Total risk-based capital ratio | 13.8885% | 4,646 |
| Memoranda: | ||
| Average total assets | $543,700,000 | 1,262 |
| Average earning assets | $522,835,000 | 1,217 |
| Average equity | $42,151,330 | 1,757 |
| Average total loans | $461,602,000 | 1,004 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6873% | 1,053 |
| Cost of funding earning assets | 0.6833% | 927 |
| Net interest margin | 4.0040% | 1,539 |
| Noninterest income to average assets | 0.2472% | 5,185 |
| Noninterest expense to average assets | 1.9245% | 5,714 |
| Loan and lease loss provision to assets | 0.1151% | 1,794 |
| Net operating income to assets | 1.3050% | 1,257 |
| Return on assets (ROA) | 1.3050% | 1,345 |
| Pretax return on assets | 2.0626% | 527 |
| Return on Equity (ROE) | 16.6980% | 496 |
| Retained earnings to average equity (ytd only) | 16.6980% | 194 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.9124% | 6,071 |
| Assets per employee ($millions) | 9.2522% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 4,772 |
| Loan loss allowance to noncurrent loans | 693.3432% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.2253% | 5,033 |
| Noncurrent loans to loans | 0.1512% | 5,238 |
| Net loans and leases to total assets | 82.4604% | 416 |
| Net loans and leases to deposits | 99.9304% | 567 |
| Net loans and leases to core deposits | 118.4828% | 443 |
| Total domestic deposits to total assets | 82.5178% | 4,349 |
| Equity capital to assets | 7.9444% | 6,054 |
| Core capital (leverage) ratio | 8.2308% | 5,789 |
| Tier 1 risk-based capital ratio | 12.3372% | 5,020 |
| Total risk-based capital ratio | 13.5886% | 4,931 |
| Memoranda: | ||
| Average total assets | $521,081,000 | 1,318 |
| Average earning assets | $501,701,000 | 1,259 |
| Average equity | $40,723,500 | 1,802 |
| Average total loans | $443,572,500 | 1,043 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7079% | 1,285 |
| Cost of funding earning assets | 0.6871% | 1,168 |
| Net interest margin | 4.0208% | 1,839 |
| Noninterest income to average assets | 0.2089% | 5,610 |
| Noninterest expense to average assets | 1.7000% | 6,154 |
| Loan and lease loss provision to assets | 0.3490% | 549 |
| Net operating income to assets | 1.2772% | 1,355 |
| Return on assets (ROA) | 1.2772% | 1,406 |
| Pretax return on assets | 2.0697% | 445 |
| Return on Equity (ROE) | 15.1924% | 747 |
| Retained earnings to average equity (ytd only) | 15.1924% | 144 |
| Net charge-offs to loans | -0.0006% | 5,324 |
| Credit loss provision to net charge-offs | -71,750.0000% | 6,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.2744% | 6,378 |
| Assets per employee ($millions) | 8.8690% | 365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0312% | 4,899 |
| Loan loss allowance to noncurrent loans | 860.9108% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.2097% | 5,185 |
| Noncurrent loans to loans | 0.1198% | 5,418 |
| Net loans and leases to total assets | 86.1297% | 199 |
| Net loans and leases to deposits | 107.8032% | 300 |
| Net loans and leases to core deposits | 129.1932% | 258 |
| Total domestic deposits to total assets | 79.8954% | 5,052 |
| Equity capital to assets | 7.6780% | 6,188 |
| Core capital (leverage) ratio | 8.2975% | 5,779 |
| Tier 1 risk-based capital ratio | 11.4065% | 5,716 |
| Total risk-based capital ratio | 12.6574% | 5,635 |
| Memoranda: | ||
| Average total assets | $411,129,000 | 1,611 |
| Average earning assets | $399,771,800 | 1,530 |
| Average equity | $34,563,400 | 2,017 |
| Average total loans | $358,984,000 | 1,234 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7348% | 1,225 |
| Cost of funding earning assets | 0.6884% | 1,212 |
| Net interest margin | 4.0463% | 1,734 |
| Noninterest income to average assets | 0.1689% | 5,914 |
| Noninterest expense to average assets | 1.7055% | 6,207 |
| Loan and lease loss provision to assets | 0.2752% | 752 |
| Net operating income to assets | 1.3002% | 1,370 |
| Return on assets (ROA) | 1.3002% | 1,426 |
| Pretax return on assets | 2.1355% | 421 |
| Return on Equity (ROE) | 15.0402% | 819 |
| Retained earnings to average equity (ytd only) | 15.0402% | 203 |
| Net charge-offs to loans | -0.0008% | 5,152 |
| Credit loss provision to net charge-offs | -40,000.0000% | 6,096 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.4326% | 6,428 |
| Assets per employee ($millions) | 8.9179% | 351 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0125% | 5,156 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2205% | 5,337 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 85.5509% | 221 |
| Net loans and leases to deposits | 101.6478% | 516 |
| Net loans and leases to core deposits | 121.7173% | 355 |
| Total domestic deposits to total assets | 84.1640% | 3,697 |
| Equity capital to assets | 7.9658% | 6,150 |
| Core capital (leverage) ratio | 8.6873% | 5,454 |
| Tier 1 risk-based capital ratio | 11.6649% | 5,693 |
| Total risk-based capital ratio | 12.9154% | 5,611 |
| Memoranda: | ||
| Average total assets | $387,527,500 | 1,698 |
| Average earning assets | $378,045,500 | 1,613 |
| Average equity | $33,500,500 | 2,082 |
| Average total loans | $338,741,750 | 1,297 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8403% | 1,005 |
| Cost of funding earning assets | 0.6846% | 1,275 |
| Net interest margin | 4.1557% | 1,364 |
| Noninterest income to average assets | 0.1233% | 6,185 |
| Noninterest expense to average assets | 1.7611% | 6,194 |
| Loan and lease loss provision to assets | 0.2173% | 1,078 |
| Net operating income to assets | 1.3356% | 1,220 |
| Return on assets (ROA) | 1.3356% | 1,264 |
| Pretax return on assets | 2.2219% | 348 |
| Return on Equity (ROE) | 14.9752% | 797 |
| Retained earnings to average equity (ytd only) | 14.9752% | 217 |
| Net charge-offs to loans | -0.0012% | 5,033 |
| Credit loss provision to net charge-offs | -20,000.0000% | 5,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 41.9276% | 6,481 |
| Assets per employee ($millions) | 8.8525% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0168% | 5,277 |
| Loan loss allowance to noncurrent loans | 1,264.2599% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.3293% | 5,057 |
| Noncurrent loans to loans | 0.0804% | 5,780 |
| Net loans and leases to total assets | 85.5792% | 208 |
| Net loans and leases to deposits | 98.4461% | 637 |
| Net loans and leases to core deposits | 117.0459% | 453 |
| Total domestic deposits to total assets | 86.9300% | 2,486 |
| Equity capital to assets | 8.5774% | 5,735 |
| Core capital (leverage) ratio | 8.8614% | 5,218 |
| Tier 1 risk-based capital ratio | 12.6837% | 5,095 |
| Total risk-based capital ratio | 13.9342% | 5,039 |
| Memoranda: | ||
| Average total assets | $368,071,330 | 1,781 |
| Average earning assets | $361,095,330 | 1,671 |
| Average equity | $32,827,670 | 2,109 |
| Average total loans | $323,199,000 | 1,346 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8591% | 928 |
| Cost of funding earning assets | 0.6770% | 1,391 |
| Net interest margin | 4.1821% | 1,264 |
| Noninterest income to average assets | 0.1292% | 6,204 |
| Noninterest expense to average assets | 1.8213% | 6,190 |
| Loan and lease loss provision to assets | 0.3400% | 526 |
| Net operating income to assets | 1.2184% | 1,431 |
| Return on assets (ROA) | 1.2184% | 1,489 |
| Pretax return on assets | 2.0707% | 451 |
| Return on Equity (ROE) | 13.3719% | 1,069 |
| Retained earnings to average equity (ytd only) | 13.3719% | 445 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.0370% | 6,522 |
| Assets per employee ($millions) | 8.1830% | 442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0440% | 5,334 |
| Loan loss allowance to noncurrent loans | 555.5556% | 853 |
| Noncurrent assets plus other real estate owned to assets | 0.3848% | 4,998 |
| Noncurrent loans to loans | 0.1879% | 5,533 |
| Net loans and leases to total assets | 87.5211% | 94 |
| Net loans and leases to deposits | 99.2171% | 479 |
| Net loans and leases to core deposits | 118.7058% | 347 |
| Total domestic deposits to total assets | 88.2117% | 2,101 |
| Equity capital to assets | 8.8869% | 5,241 |
| Core capital (leverage) ratio | 9.2911% | 4,588 |
| Tier 1 risk-based capital ratio | 12.7583% | 5,155 |
| Total risk-based capital ratio | 14.0092% | 5,090 |
| Memoranda: | ||
| Average total assets | $352,925,500 | 1,862 |
| Average earning assets | $346,237,500 | 1,737 |
| Average equity | $32,157,000 | 2,146 |
| Average total loans | $312,589,500 | 1,389 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7202% | 1,517 |
| Cost of funding earning assets | 0.7486% | 1,504 |
| Net interest margin | 3.9716% | 2,032 |
| Noninterest income to average assets | 0.2596% | 5,493 |
| Noninterest expense to average assets | 1.9742% | 6,071 |
| Loan and lease loss provision to assets | 0.0368% | 4,383 |
| Net operating income to assets | 1.3062% | 1,233 |
| Return on assets (ROA) | 1.3062% | 1,273 |
| Pretax return on assets | 2.1022% | 384 |
| Return on Equity (ROE) | 14.9744% | 773 |
| Retained earnings to average equity (ytd only) | 14.9744% | 170 |
| Net charge-offs to loans | -0.0877% | 6,445 |
| Credit loss provision to net charge-offs | -49.3450% | 5,796 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9965% | 6,492 |
| Assets per employee ($millions) | 7.5025% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 5,395 |
| Loan loss allowance to noncurrent loans | 502.4311% | 966 |
| Noncurrent assets plus other real estate owned to assets | 0.4434% | 4,918 |
| Noncurrent loans to loans | 0.2060% | 5,571 |
| Net loans and leases to total assets | 87.7908% | 95 |
| Net loans and leases to deposits | 99.6276% | 501 |
| Net loans and leases to core deposits | 119.8002% | 335 |
| Total domestic deposits to total assets | 88.1190% | 2,108 |
| Equity capital to assets | 9.3565% | 4,609 |
| Core capital (leverage) ratio | 9.4007% | 4,409 |
| Tier 1 risk-based capital ratio | 12.9731% | 4,987 |
| Total risk-based capital ratio | 14.2233% | 4,943 |
| Memoranda: | ||
| Average total assets | $307,006,800 | 2,103 |
| Average earning assets | $297,890,000 | 1,996 |
| Average equity | $26,779,000 | 2,481 |
| Average total loans | $261,248,800 | 1,584 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7364% | 1,505 |
| Cost of funding earning assets | 0.7627% | 1,527 |
| Net interest margin | 3.9737% | 2,025 |
| Noninterest income to average assets | 0.2708% | 5,512 |
| Noninterest expense to average assets | 2.0372% | 5,954 |
| Loan and lease loss provision to assets | 0.0134% | 4,738 |
| Net operating income to assets | 1.2747% | 1,415 |
| Return on assets (ROA) | 1.2747% | 1,484 |
| Pretax return on assets | 2.0630% | 509 |
| Return on Equity (ROE) | 14.9196% | 811 |
| Retained earnings to average equity (ytd only) | 14.9196% | 205 |
| Net charge-offs to loans | -0.1213% | 6,542 |
| Credit loss provision to net charge-offs | -13.1004% | 5,616 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5236% | 6,422 |
| Assets per employee ($millions) | 7.8314% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1261% | 5,223 |
| Loan loss allowance to noncurrent loans | 272.0469% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.5273% | 4,862 |
| Noncurrent loans to loans | 0.4139% | 5,156 |
| Net loans and leases to total assets | 76.8787% | 887 |
| Net loans and leases to deposits | 86.7494% | 1,518 |
| Net loans and leases to core deposits | 103.8207% | 887 |
| Total domestic deposits to total assets | 88.6216% | 1,770 |
| Equity capital to assets | 8.8258% | 5,393 |
| Core capital (leverage) ratio | 9.2500% | 4,757 |
| Tier 1 risk-based capital ratio | 14.0723% | 4,372 |
| Total risk-based capital ratio | 15.3241% | 4,323 |
| Memoranda: | ||
| Average total assets | $299,355,000 | 2,163 |
| Average earning assets | $289,496,250 | 2,057 |
| Average equity | $25,576,500 | 2,610 |
| Average total loans | $251,687,500 | 1,654 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9038% | 1,087 |
| Cost of funding earning assets | 0.7849% | 1,496 |
| Net interest margin | 4.1189% | 1,493 |
| Noninterest income to average assets | 0.3314% | 5,043 |
| Noninterest expense to average assets | 2.1240% | 5,817 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3782% | 1,122 |
| Return on assets (ROA) | 1.3782% | 1,209 |
| Pretax return on assets | 2.1725% | 441 |
| Return on Equity (ROE) | 16.3491% | 627 |
| Retained earnings to average equity (ytd only) | 16.3491% | 181 |
| Net charge-offs to loans | -0.0796% | 6,428 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4351% | 6,460 |
| Assets per employee ($millions) | 7.1886% | 665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0871% | 5,496 |
| Loan loss allowance to noncurrent loans | 353.0284% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.5887% | 4,777 |
| Noncurrent loans to loans | 0.3079% | 5,532 |
| Net loans and leases to total assets | 82.1533% | 350 |
| Net loans and leases to deposits | 91.9114% | 974 |
| Net loans and leases to core deposits | 112.7841% | 469 |
| Total domestic deposits to total assets | 89.3831% | 1,394 |
| Equity capital to assets | 7.8985% | 6,270 |
| Core capital (leverage) ratio | 8.3443% | 5,832 |
| Tier 1 risk-based capital ratio | 11.5405% | 6,086 |
| Total risk-based capital ratio | 12.7913% | 6,049 |
| Memoranda: | ||
| Average total assets | $284,279,330 | 2,261 |
| Average earning assets | $273,667,670 | 2,165 |
| Average equity | $23,964,670 | 2,777 |
| Average total loans | $246,274,330 | 1,682 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9707% | 952 |
| Cost of funding earning assets | 0.7964% | 1,549 |
| Net interest margin | 4.1742% | 1,267 |
| Noninterest income to average assets | 0.2460% | 5,699 |
| Noninterest expense to average assets | 2.1381% | 5,827 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.3628% | 1,119 |
| Return on assets (ROA) | 1.3628% | 1,209 |
| Pretax return on assets | 2.1247% | 469 |
| Return on Equity (ROE) | 15.5870% | 666 |
| Retained earnings to average equity (ytd only) | 15.5870% | 307 |
| Net charge-offs to loans | -0.3192% | 6,789 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1574% | 6,490 |
| Assets per employee ($millions) | 6.8998% | 808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1973% | 5,194 |
| Loan loss allowance to noncurrent loans | 1,049.1103% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.7384% | 4,526 |
| Noncurrent loans to loans | 0.1141% | 6,132 |
| Net loans and leases to total assets | 88.1460% | 70 |
| Net loans and leases to deposits | 100.0506% | 349 |
| Net loans and leases to core deposits | 124.4315% | 225 |
| Total domestic deposits to total assets | 88.1015% | 2,258 |
| Equity capital to assets | 8.6771% | 5,832 |
| Core capital (leverage) ratio | 9.0205% | 4,851 |
| Tier 1 risk-based capital ratio | 11.5751% | 6,141 |
| Total risk-based capital ratio | 12.8274% | 6,111 |
| Memoranda: | ||
| Average total assets | $268,269,500 | 2,410 |
| Average earning assets | $258,155,000 | 2,302 |
| Average equity | $23,455,500 | 2,859 |
| Average total loans | $238,058,500 | 1,743 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1247% | 1,255 |
| Cost of funding earning assets | 0.9288% | 1,763 |
| Net interest margin | 4.1959% | 1,674 |
| Noninterest income to average assets | 0.0853% | 6,564 |
| Noninterest expense to average assets | 2.0199% | 6,288 |
| Loan and lease loss provision to assets | 0.3048% | 2,240 |
| Net operating income to assets | 1.7044% | 610 |
| Return on assets (ROA) | 1.7044% | 689 |
| Pretax return on assets | 1.8058% | 909 |
| Return on Equity (ROE) | 20.3965% | 287 |
| Retained earnings to average equity (ytd only) | 20.3965% | 57 |
| Net charge-offs to loans | 0.3269% | 3,010 |
| Credit loss provision to net charge-offs | 108.5044% | 2,713 |
| Earnings coverage of net charge-offs (x) | 7.5132% | 2,585 |
| Efficiency ratio | 48.9031% | 6,655 |
| Assets per employee ($millions) | 7.0418% | 752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1997% | 5,113 |
| Loan loss allowance to noncurrent loans | 424.9615% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.8018% | 4,466 |
| Noncurrent loans to loans | 0.2823% | 5,776 |
| Net loans and leases to total assets | 87.1762% | 104 |
| Net loans and leases to deposits | 98.7316% | 471 |
| Net loans and leases to core deposits | 132.4348% | 169 |
| Total domestic deposits to total assets | 88.2962% | 2,031 |
| Equity capital to assets | 8.8134% | 5,733 |
| Core capital (leverage) ratio | 9.0839% | 4,759 |
| Tier 1 risk-based capital ratio | 11.8448% | 5,878 |
| Total risk-based capital ratio | 13.0968% | 5,841 |
| Memoranda: | ||
| Average total assets | $242,779,400 | 2,604 |
| Average earning assets | $234,061,000 | 2,463 |
| Average equity | $20,287,800 | 3,168 |
| Average total loans | $208,615,800 | 1,932 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0781% | 1,480 |
| Cost of funding earning assets | 0.9456% | 1,875 |
| Net interest margin | 4.1325% | 1,964 |
| Noninterest income to average assets | 0.2120% | 6,024 |
| Noninterest expense to average assets | 1.9876% | 6,371 |
| Loan and lease loss provision to assets | 0.2741% | 2,385 |
| Net operating income to assets | 1.1876% | 1,783 |
| Return on assets (ROA) | 1.1876% | 1,965 |
| Pretax return on assets | 1.9378% | 798 |
| Return on Equity (ROE) | 14.4279% | 1,018 |
| Retained earnings to average equity (ytd only) | 14.4279% | 271 |
| Net charge-offs to loans | 0.3030% | 2,922 |
| Credit loss provision to net charge-offs | 106.0606% | 2,769 |
| Earnings coverage of net charge-offs (x) | 8.5585% | 2,428 |
| Efficiency ratio | 47.3292% | 6,756 |
| Assets per employee ($millions) | 6.8709% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2597% | 5,006 |
| Loan loss allowance to noncurrent loans | 201.6999% | 1,769 |
| Noncurrent assets plus other real estate owned to assets | 1.1447% | 4,001 |
| Noncurrent loans to loans | 0.6245% | 5,190 |
| Net loans and leases to total assets | 84.1431% | 216 |
| Net loans and leases to deposits | 94.8427% | 728 |
| Net loans and leases to core deposits | 125.9982% | 230 |
| Total domestic deposits to total assets | 88.7186% | 1,584 |
| Equity capital to assets | 8.1849% | 6,494 |
| Core capital (leverage) ratio | 8.1864% | 6,162 |
| Tier 1 risk-based capital ratio | 11.4260% | 6,271 |
| Total risk-based capital ratio | 12.6794% | 6,239 |
| Memoranda: | ||
| Average total assets | $238,337,500 | 2,671 |
| Average earning assets | $229,973,750 | 2,526 |
| Average equity | $19,619,000 | 3,277 |
| Average total loans | $203,296,500 | 2,002 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1681% | 1,338 |
| Cost of funding earning assets | 0.9268% | 2,214 |
| Net interest margin | 4.2413% | 1,633 |
| Noninterest income to average assets | 0.1708% | 6,326 |
| Noninterest expense to average assets | 1.9542% | 6,509 |
| Loan and lease loss provision to assets | 0.0343% | 5,240 |
| Net operating income to assets | 1.4444% | 1,100 |
| Return on assets (ROA) | 1.4444% | 1,232 |
| Pretax return on assets | 2.2708% | 436 |
| Return on Equity (ROE) | 17.5106% | 569 |
| Retained earnings to average equity (ytd only) | 17.5106% | 160 |
| Net charge-offs to loans | -0.2877% | 7,066 |
| Credit loss provision to net charge-offs | -13.9860% | 5,932 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8795% | 6,887 |
| Assets per employee ($millions) | 7.8159% | 513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 4,246 |
| Loan loss allowance to noncurrent loans | 142.3601% | 2,346 |
| Noncurrent assets plus other real estate owned to assets | 1.5833% | 3,342 |
| Noncurrent loans to loans | 1.0187% | 4,472 |
| Net loans and leases to total assets | 82.2681% | 324 |
| Net loans and leases to deposits | 100.7605% | 390 |
| Net loans and leases to core deposits | 139.9537% | 147 |
| Total domestic deposits to total assets | 81.6472% | 5,247 |
| Equity capital to assets | 8.0997% | 6,516 |
| Core capital (leverage) ratio | 8.5227% | 5,624 |
| Tier 1 risk-based capital ratio | 11.6753% | 6,119 |
| Total risk-based capital ratio | 12.9313% | 6,098 |
| Memoranda: | ||
| Average total assets | $233,042,330 | 2,722 |
| Average earning assets | $224,645,670 | 2,589 |
| Average equity | $19,222,670 | 3,319 |
| Average total loans | $198,848,670 | 2,033 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3834% | 932 |
| Cost of funding earning assets | 0.9432% | 2,354 |
| Net interest margin | 4.4403% | 1,131 |
| Noninterest income to average assets | 0.0713% | 6,855 |
| Noninterest expense to average assets | 2.1523% | 6,151 |
| Loan and lease loss provision to assets | 0.0713% | 4,508 |
| Net operating income to assets | 1.3541% | 1,306 |
| Return on assets (ROA) | 1.3541% | 1,465 |
| Pretax return on assets | 2.1255% | 607 |
| Return on Equity (ROE) | 16.2523% | 768 |
| Retained earnings to average equity (ytd only) | 16.2523% | 348 |
| Net charge-offs to loans | -0.6788% | 7,179 |
| Credit loss provision to net charge-offs | -12.1581% | 5,357 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4879% | 6,708 |
| Assets per employee ($millions) | 7.2242% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5458% | 3,962 |
| Loan loss allowance to noncurrent loans | 1,112.3188% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.7929% | 4,960 |
| Noncurrent loans to loans | 0.1390% | 6,409 |
| Net loans and leases to total assets | 84.5839% | 172 |
| Net loans and leases to deposits | 105.4904% | 218 |
| Net loans and leases to core deposits | 151.9245% | 110 |
| Total domestic deposits to total assets | 80.1816% | 5,814 |
| Equity capital to assets | 8.3530% | 6,221 |
| Core capital (leverage) ratio | 8.5990% | 5,445 |
| Tier 1 risk-based capital ratio | 11.6541% | 6,190 |
| Total risk-based capital ratio | 12.9116% | 6,163 |
| Memoranda: | ||
| Average total assets | $224,509,000 | 2,836 |
| Average earning assets | $216,293,500 | 2,689 |
| Average equity | $18,705,000 | 3,392 |
| Average total loans | $193,879,000 | 2,093 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0640% | 2,585 |
| Cost of funding earning assets | 1.1305% | 2,466 |
| Net interest margin | 3.9335% | 3,189 |
| Noninterest income to average assets | -0.2861% | 7,194 |
| Noninterest expense to average assets | 2.0139% | 6,651 |
| Loan and lease loss provision to assets | 0.8397% | 1,156 |
| Net operating income to assets | 0.4348% | 4,717 |
| Return on assets (ROA) | 0.4150% | 4,979 |
| Pretax return on assets | 0.5767% | 4,758 |
| Return on Equity (ROE) | 5.6367% | 4,061 |
| Retained earnings to average equity (ytd only) | 5.6367% | 2,217 |
| Net charge-offs to loans | 1.3358% | 1,234 |
| Credit loss provision to net charge-offs | 77.8418% | 4,559 |
| Earnings coverage of net charge-offs (x) | 1.3386% | 4,768 |
| Efficiency ratio | 58.2423% | 6,019 |
| Assets per employee ($millions) | 6.8076% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4280% | 4,343 |
| Loan loss allowance to noncurrent loans | 422.0313% | 805 |
| Noncurrent assets plus other real estate owned to assets | 1.0044% | 4,602 |
| Noncurrent loans to loans | 0.3384% | 6,053 |
| Net loans and leases to total assets | 85.5892% | 143 |
| Net loans and leases to deposits | 106.3017% | 239 |
| Net loans and leases to core deposits | 155.9216% | 119 |
| Total domestic deposits to total assets | 80.5154% | 5,588 |
| Equity capital to assets | 8.3087% | 6,343 |
| Core capital (leverage) ratio | 7.8495% | 6,402 |
| Tier 1 risk-based capital ratio | 11.3707% | 6,247 |
| Total risk-based capital ratio | 12.6261% | 6,228 |
| Memoranda: | ||
| Average total assets | $225,083,600 | 2,784 |
| Average earning assets | $214,236,600 | 2,679 |
| Average equity | $16,570,000 | 3,636 |
| Average total loans | $181,758,800 | 2,215 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0793% | 2,715 |
| Cost of funding earning assets | 1.1346% | 2,739 |
| Net interest margin | 3.9446% | 3,173 |
| Noninterest income to average assets | -0.3573% | 7,318 |
| Noninterest expense to average assets | 2.0238% | 6,647 |
| Loan and lease loss provision to assets | 0.8374% | 1,102 |
| Net operating income to assets | 0.3377% | 5,262 |
| Return on assets (ROA) | 0.3144% | 5,517 |
| Pretax return on assets | 0.4877% | 5,200 |
| Return on Equity (ROE) | 4.4066% | 4,811 |
| Retained earnings to average equity (ytd only) | 4.4066% | 3,592 |
| Net charge-offs to loans | 1.2287% | 1,265 |
| Credit loss provision to net charge-offs | 85.9469% | 3,925 |
| Earnings coverage of net charge-offs (x) | 1.3975% | 4,580 |
| Efficiency ratio | 59.7813% | 5,762 |
| Assets per employee ($millions) | 7.5446% | 568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5973% | 3,682 |
| Loan loss allowance to noncurrent loans | 392.4282% | 827 |
| Noncurrent assets plus other real estate owned to assets | 1.2476% | 4,304 |
| Noncurrent loans to loans | 0.4070% | 6,034 |
| Net loans and leases to total assets | 79.1794% | 590 |
| Net loans and leases to deposits | 101.5068% | 411 |
| Net loans and leases to core deposits | 144.0199% | 161 |
| Total domestic deposits to total assets | 78.0041% | 6,193 |
| Equity capital to assets | 7.2549% | 7,002 |
| Core capital (leverage) ratio | 7.3338% | 6,840 |
| Tier 1 risk-based capital ratio | 10.5918% | 6,739 |
| Total risk-based capital ratio | 11.8497% | 6,719 |
| Memoranda: | ||
| Average total assets | $226,893,500 | 2,767 |
| Average earning assets | $215,275,250 | 2,680 |
| Average equity | $16,187,500 | 3,706 |
| Average total loans | $179,910,500 | 2,268 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0854% | 2,753 |
| Cost of funding earning assets | 1.1672% | 2,789 |
| Net interest margin | 3.9183% | 3,224 |
| Noninterest income to average assets | -0.5130% | 7,429 |
| Noninterest expense to average assets | 2.0431% | 6,705 |
| Loan and lease loss provision to assets | 1.0019% | 870 |
| Net operating income to assets | 0.0906% | 6,040 |
| Return on assets (ROA) | 0.0775% | 6,147 |
| Pretax return on assets | 0.1229% | 6,063 |
| Return on Equity (ROE) | 1.0925% | 6,062 |
| Retained earnings to average equity (ytd only) | 1.0925% | 5,425 |
| Net charge-offs to loans | 1.5140% | 976 |
| Credit loss provision to net charge-offs | 83.8926% | 3,648 |
| Earnings coverage of net charge-offs (x) | 0.9590% | 4,583 |
| Efficiency ratio | 64.0782% | 5,222 |
| Assets per employee ($millions) | 7.5040% | 567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6400% | 3,528 |
| Loan loss allowance to noncurrent loans | 311.6495% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 1.3859% | 4,145 |
| Noncurrent loans to loans | 0.5262% | 5,853 |
| Net loans and leases to total assets | 77.9370% | 791 |
| Net loans and leases to deposits | 99.7486% | 507 |
| Net loans and leases to core deposits | 142.7016% | 172 |
| Total domestic deposits to total assets | 78.1335% | 6,261 |
| Equity capital to assets | 7.0298% | 7,093 |
| Core capital (leverage) ratio | 7.2226% | 6,906 |
| Tier 1 risk-based capital ratio | 10.3944% | 6,826 |
| Total risk-based capital ratio | 11.6524% | 6,823 |
| Memoranda: | ||
| Average total assets | $224,563,330 | 2,809 |
| Average earning assets | $212,134,670 | 2,731 |
| Average equity | $15,927,330 | 3,743 |
| Average total loans | $177,149,330 | 2,317 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2073% | 2,199 |
| Cost of funding earning assets | 1.2107% | 2,743 |
| Net interest margin | 3.9966% | 2,693 |
| Noninterest income to average assets | -0.7564% | 7,525 |
| Noninterest expense to average assets | 2.1765% | 6,471 |
| Loan and lease loss provision to assets | 0.5895% | 1,459 |
| Net operating income to assets | 0.2376% | 5,651 |
| Return on assets (ROA) | 0.1959% | 5,854 |
| Pretax return on assets | 0.1959% | 5,947 |
| Return on Equity (ROE) | 2.7491% | 5,492 |
| Retained earnings to average equity (ytd only) | 2.7491% | 4,517 |
| Net charge-offs to loans | 2.9131% | 372 |
| Credit loss provision to net charge-offs | 25.7120% | 4,188 |
| Earnings coverage of net charge-offs (x) | 0.3608% | 4,345 |
| Efficiency ratio | 72.4638% | 3,775 |
| Assets per employee ($millions) | 7.1376% | 689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 4,964 |
| Loan loss allowance to noncurrent loans | 102.1314% | 2,808 |
| Noncurrent assets plus other real estate owned to assets | 3.1044% | 2,222 |
| Noncurrent loans to loans | 1.3073% | 4,514 |
| Net loans and leases to total assets | 76.8117% | 898 |
| Net loans and leases to deposits | 99.3959% | 505 |
| Net loans and leases to core deposits | 144.1528% | 174 |
| Total domestic deposits to total assets | 77.2786% | 6,488 |
| Equity capital to assets | 7.1348% | 7,043 |
| Core capital (leverage) ratio | 7.5052% | 6,723 |
| Tier 1 risk-based capital ratio | 10.8990% | 6,573 |
| Total risk-based capital ratio | 12.1527% | 6,550 |
| Memoranda: | ||
| Average total assets | $220,532,500 | 2,873 |
| Average earning assets | $207,477,500 | 2,812 |
| Average equity | $15,714,500 | 3,776 |
| Average total loans | $173,562,000 | 2,381 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8150% | 5,364 |
| Cost of funding earning assets | 1.4193% | 3,140 |
| Net interest margin | 3.3956% | 5,649 |
| Noninterest income to average assets | 0.0596% | 7,064 |
| Noninterest expense to average assets | 1.9710% | 7,070 |
| Loan and lease loss provision to assets | 1.7551% | 798 |
| Net operating income to assets | -0.4368% | 6,344 |
| Return on assets (ROA) | -0.4368% | 6,374 |
| Pretax return on assets | -0.4368% | 6,277 |
| Return on Equity (ROE) | -6.5387% | 6,531 |
| Retained earnings to average equity (ytd only) | -6.5387% | 6,431 |
| Net charge-offs to loans | 1.8491% | 1,124 |
| Credit loss provision to net charge-offs | 129.1718% | 3,086 |
| Earnings coverage of net charge-offs (x) | 0.9702% | 5,138 |
| Efficiency ratio | 59.9214% | 6,062 |
| Assets per employee ($millions) | 7.3266% | 639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8523% | 2,683 |
| Loan loss allowance to noncurrent loans | 53.0723% | 4,836 |
| Noncurrent assets plus other real estate owned to assets | 4.6579% | 1,420 |
| Noncurrent loans to loans | 3.4901% | 2,169 |
| Net loans and leases to total assets | 78.0835% | 933 |
| Net loans and leases to deposits | 101.1385% | 521 |
| Net loans and leases to core deposits | 147.0055% | 184 |
| Total domestic deposits to total assets | 77.2045% | 6,450 |
| Equity capital to assets | 7.1165% | 7,074 |
| Core capital (leverage) ratio | 7.0883% | 6,985 |
| Tier 1 risk-based capital ratio | 10.8275% | 6,467 |
| Total risk-based capital ratio | 12.0874% | 6,428 |
| Memoranda: | ||
| Average total assets | $239,932,200 | 2,637 |
| Average earning assets | $228,203,800 | 2,545 |
| Average equity | $16,027,600 | 3,758 |
| Average total loans | $176,297,400 | 2,394 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7147% | 5,964 |
| Cost of funding earning assets | 1.4388% | 3,341 |
| Net interest margin | 3.2759% | 6,093 |
| Noninterest income to average assets | 0.2770% | 5,890 |
| Noninterest expense to average assets | 1.8680% | 7,247 |
| Loan and lease loss provision to assets | 1.3106% | 1,057 |
| Net operating income to assets | 0.2188% | 5,452 |
| Return on assets (ROA) | 0.2188% | 5,616 |
| Pretax return on assets | 0.2188% | 5,686 |
| Return on Equity (ROE) | 3.3242% | 5,089 |
| Retained earnings to average equity (ytd only) | 3.3242% | 4,111 |
| Net charge-offs to loans | 1.6574% | 1,192 |
| Credit loss provision to net charge-offs | 109.6539% | 3,871 |
| Earnings coverage of net charge-offs (x) | 1.2796% | 4,797 |
| Efficiency ratio | 54.9824% | 6,687 |
| Assets per employee ($millions) | 7.8346% | 540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 4,410 |
| Loan loss allowance to noncurrent loans | 22.6696% | 6,776 |
| Noncurrent assets plus other real estate owned to assets | 6.3896% | 897 |
| Noncurrent loans to loans | 6.2167% | 982 |
| Net loans and leases to total assets | 74.4104% | 1,713 |
| Net loans and leases to deposits | 97.3705% | 853 |
| Net loans and leases to core deposits | 140.8749% | 254 |
| Total domestic deposits to total assets | 76.4199% | 6,583 |
| Equity capital to assets | 7.1835% | 7,276 |
| Core capital (leverage) ratio | 7.0815% | 7,121 |
| Tier 1 risk-based capital ratio | 10.5813% | 6,723 |
| Total risk-based capital ratio | 11.8354% | 6,701 |
| Memoranda: | ||
| Average total assets | $244,965,750 | 2,635 |
| Average earning assets | $233,337,250 | 2,530 |
| Average equity | $16,124,000 | 3,788 |
| Average total loans | $176,655,500 | 2,427 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6772% | 6,224 |
| Cost of funding earning assets | 1.4749% | 3,404 |
| Net interest margin | 3.2023% | 6,313 |
| Noninterest income to average assets | 0.2425% | 6,174 |
| Noninterest expense to average assets | 1.7883% | 7,401 |
| Loan and lease loss provision to assets | 1.3976% | 958 |
| Net operating income to assets | 0.1120% | 5,828 |
| Return on assets (ROA) | 0.1120% | 5,940 |
| Pretax return on assets | 0.1120% | 5,954 |
| Return on Equity (ROE) | 1.7517% | 5,712 |
| Retained earnings to average equity (ytd only) | 1.7517% | 4,993 |
| Net charge-offs to loans | 1.8718% | 993 |
| Credit loss provision to net charge-offs | 105.0878% | 3,877 |
| Earnings coverage of net charge-offs (x) | 1.1351% | 4,656 |
| Efficiency ratio | 54.2257% | 6,856 |
| Assets per employee ($millions) | 8.2472% | 456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3290% | 4,774 |
| Loan loss allowance to noncurrent loans | 33.3474% | 6,147 |
| Noncurrent assets plus other real estate owned to assets | 3.8450% | 1,803 |
| Noncurrent loans to loans | 3.9852% | 1,903 |
| Net loans and leases to total assets | 73.6350% | 1,994 |
| Net loans and leases to deposits | 98.4091% | 836 |
| Net loans and leases to core deposits | 140.5792% | 284 |
| Total domestic deposits to total assets | 74.8253% | 6,873 |
| Equity capital to assets | 6.9553% | 7,367 |
| Core capital (leverage) ratio | 6.8932% | 7,245 |
| Tier 1 risk-based capital ratio | 10.7415% | 6,488 |
| Total risk-based capital ratio | 11.9632% | 6,502 |
| Memoranda: | ||
| Average total assets | $248,275,330 | 2,617 |
| Average earning assets | $236,895,330 | 2,521 |
| Average equity | $15,870,670 | 3,822 |
| Average total loans | $176,410,000 | 2,461 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3512% | 7,064 |
| Cost of funding earning assets | 1.5051% | 3,521 |
| Net interest margin | 2.8461% | 7,110 |
| Noninterest income to average assets | 0.2247% | 6,355 |
| Noninterest expense to average assets | 1.7514% | 7,522 |
| Loan and lease loss provision to assets | 1.2182% | 998 |
| Net operating income to assets | -0.0285% | 6,348 |
| Return on assets (ROA) | -0.0285% | 6,433 |
| Pretax return on assets | -0.0285% | 6,391 |
| Return on Equity (ROE) | -0.4649% | 6,462 |
| Retained earnings to average equity (ytd only) | -0.4649% | 5,938 |
| Net charge-offs to loans | 0.8120% | 1,909 |
| Credit loss provision to net charge-offs | 216.2921% | 1,732 |
| Earnings coverage of net charge-offs (x) | 2.1124% | 3,485 |
| Efficiency ratio | 59.5481% | 6,255 |
| Assets per employee ($millions) | 8.2521% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5225% | 3,796 |
| Loan loss allowance to noncurrent loans | 35.9500% | 5,980 |
| Noncurrent assets plus other real estate owned to assets | 4.4532% | 1,524 |
| Noncurrent loans to loans | 4.2349% | 1,808 |
| Net loans and leases to total assets | 73.0329% | 2,192 |
| Net loans and leases to deposits | 99.0249% | 820 |
| Net loans and leases to core deposits | 144.8324% | 281 |
| Total domestic deposits to total assets | 73.7520% | 7,079 |
| Equity capital to assets | 6.7849% | 7,458 |
| Core capital (leverage) ratio | 6.8112% | 7,349 |
| Tier 1 risk-based capital ratio | 10.5747% | 6,563 |
| Total risk-based capital ratio | 11.8310% | 6,549 |
| Memoranda: | ||
| Average total assets | $252,828,500 | 2,625 |
| Average earning assets | $241,310,500 | 2,522 |
| Average equity | $15,488,500 | 3,922 |
| Average total loans | $175,373,000 | 2,537 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1585% | 7,623 |
| Cost of funding earning assets | 1.7232% | 4,392 |
| Net interest margin | 2.4353% | 7,485 |
| Noninterest income to average assets | 0.2543% | 6,284 |
| Noninterest expense to average assets | 1.4215% | 7,836 |
| Loan and lease loss provision to assets | 2.3119% | 881 |
| Net operating income to assets | -1.1604% | 6,690 |
| Return on assets (ROA) | -1.1604% | 6,691 |
| Pretax return on assets | -1.1604% | 6,519 |
| Return on Equity (ROE) | -17.7015% | 7,062 |
| Retained earnings to average equity (ytd only) | -17.7015% | 7,014 |
| Net charge-offs to loans | 2.8519% | 766 |
| Credit loss provision to net charge-offs | 122.2148% | 4,328 |
| Earnings coverage of net charge-offs (x) | 0.6087% | 5,491 |
| Efficiency ratio | 55.2467% | 7,101 |
| Assets per employee ($millions) | 9.1844% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3205% | 4,650 |
| Loan loss allowance to noncurrent loans | 27.2284% | 6,660 |
| Noncurrent assets plus other real estate owned to assets | 3.5157% | 1,907 |
| Noncurrent loans to loans | 4.8497% | 1,414 |
| Net loans and leases to total assets | 64.1948% | 4,564 |
| Net loans and leases to deposits | 97.5886% | 1,150 |
| Net loans and leases to core deposits | 177.1457% | 178 |
| Total domestic deposits to total assets | 65.7811% | 7,649 |
| Equity capital to assets | 5.5341% | 7,730 |
| Core capital (leverage) ratio | 7.0760% | 7,172 |
| Tier 1 risk-based capital ratio | 10.2914% | 6,600 |
| Total risk-based capital ratio | 11.5455% | 6,561 |
| Memoranda: | ||
| Average total assets | $236,303,400 | 2,749 |
| Average earning assets | $224,986,400 | 2,649 |
| Average equity | $15,490,200 | 3,972 |
| Average total loans | $156,740,200 | 2,820 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2138% | 7,717 |
| Cost of funding earning assets | 1.8316% | 4,226 |
| Net interest margin | 2.3822% | 7,580 |
| Noninterest income to average assets | 0.2535% | 6,418 |
| Noninterest expense to average assets | 1.2867% | 7,967 |
| Loan and lease loss provision to assets | 1.0927% | 1,789 |
| Net operating income to assets | 0.1381% | 5,359 |
| Return on assets (ROA) | 0.1381% | 5,421 |
| Pretax return on assets | 0.1381% | 5,443 |
| Return on Equity (ROE) | 2.0155% | 5,151 |
| Retained earnings to average equity (ytd only) | 2.0155% | 4,192 |
| Net charge-offs to loans | 1.0196% | 1,934 |
| Credit loss provision to net charge-offs | 160.6684% | 2,948 |
| Earnings coverage of net charge-offs (x) | 1.8098% | 4,442 |
| Efficiency ratio | 51.1111% | 7,475 |
| Assets per employee ($millions) | 8.3536% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1939% | 5,149 |
| Loan loss allowance to noncurrent loans | 27.7770% | 6,603 |
| Noncurrent assets plus other real estate owned to assets | 2.8774% | 2,417 |
| Noncurrent loans to loans | 4.2982% | 1,670 |
| Net loans and leases to total assets | 66.1458% | 4,398 |
| Net loans and leases to deposits | 102.9500% | 853 |
| Net loans and leases to core deposits | 184.7716% | 159 |
| Total domestic deposits to total assets | 64.2504% | 7,758 |
| Equity capital to assets | 6.6570% | 7,722 |
| Core capital (leverage) ratio | 8.4221% | 5,634 |
| Tier 1 risk-based capital ratio | 11.3080% | 5,628 |
| Total risk-based capital ratio | 12.5594% | 5,575 |
| Memoranda: | ||
| Average total assets | $228,792,500 | 2,856 |
| Average earning assets | $217,438,750 | 2,753 |
| Average equity | $15,677,750 | 3,972 |
| Average total loans | $152,608,000 | 2,905 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3649% | 7,739 |
| Cost of funding earning assets | 1.9463% | 4,027 |
| Net interest margin | 2.4186% | 7,552 |
| Noninterest income to average assets | 0.2654% | 6,374 |
| Noninterest expense to average assets | 1.3768% | 8,023 |
| Loan and lease loss provision to assets | 0.6997% | 2,331 |
| Net operating income to assets | 0.4731% | 4,207 |
| Return on assets (ROA) | 0.4731% | 4,318 |
| Pretax return on assets | 0.4731% | 4,709 |
| Return on Equity (ROE) | 6.8306% | 3,272 |
| Retained earnings to average equity (ytd only) | 6.8306% | 1,648 |
| Net charge-offs to loans | 0.3863% | 3,269 |
| Credit loss provision to net charge-offs | 271.9298% | 1,722 |
| Earnings coverage of net charge-offs (x) | 4.5579% | 3,068 |
| Efficiency ratio | 54.0014% | 7,330 |
| Assets per employee ($millions) | 8.3186% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1590% | 5,199 |
| Loan loss allowance to noncurrent loans | 29.7005% | 6,508 |
| Noncurrent assets plus other real estate owned to assets | 2.4913% | 2,587 |
| Noncurrent loans to loans | 3.9023% | 1,741 |
| Net loans and leases to total assets | 63.1022% | 5,162 |
| Net loans and leases to deposits | 99.1978% | 1,370 |
| Net loans and leases to core deposits | 175.9423% | 259 |
| Total domestic deposits to total assets | 63.6124% | 7,850 |
| Equity capital to assets | 7.0300% | 7,600 |
| Core capital (leverage) ratio | 9.0676% | 4,519 |
| Tier 1 risk-based capital ratio | 12.0864% | 4,842 |
| Total risk-based capital ratio | 13.3064% | 4,785 |
| Memoranda: | ||
| Average total assets | $221,521,000 | 2,954 |
| Average earning assets | $209,213,330 | 2,879 |
| Average equity | $15,342,670 | 4,056 |
| Average total loans | $147,554,330 | 3,025 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4991% | 7,718 |
| Cost of funding earning assets | 2.0312% | 3,982 |
| Net interest margin | 2.4679% | 7,538 |
| Noninterest income to average assets | 0.2627% | 6,353 |
| Noninterest expense to average assets | 1.4703% | 8,003 |
| Loan and lease loss provision to assets | 0.6142% | 2,052 |
| Net operating income to assets | 0.5707% | 4,143 |
| Return on assets (ROA) | 0.5707% | 4,340 |
| Pretax return on assets | 0.5707% | 4,843 |
| Return on Equity (ROE) | 8.3113% | 3,002 |
| Retained earnings to average equity (ytd only) | 8.3113% | 1,701 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3737% | 7,057 |
| Assets per employee ($millions) | 7.9836% | 506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0756% | 5,647 |
| Loan loss allowance to noncurrent loans | 47.6471% | 5,352 |
| Noncurrent assets plus other real estate owned to assets | 1.5210% | 3,652 |
| Noncurrent loans to loans | 2.2574% | 2,921 |
| Net loans and leases to total assets | 66.6540% | 4,425 |
| Net loans and leases to deposits | 104.7776% | 959 |
| Net loans and leases to core deposits | 188.7760% | 187 |
| Total domestic deposits to total assets | 63.6147% | 7,862 |
| Equity capital to assets | 6.5764% | 7,846 |
| Core capital (leverage) ratio | 8.5064% | 5,521 |
| Tier 1 risk-based capital ratio | 10.8011% | 6,094 |
| Total risk-based capital ratio | 11.9920% | 6,054 |
| Memoranda: | ||
| Average total assets | $211,662,000 | 3,096 |
| Average earning assets | $205,198,000 | 2,944 |
| Average equity | $14,534,500 | 4,221 |
| Average total loans | $144,325,500 | 3,102 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5897% | 7,099 |
| Cost of funding earning assets | 2.5095% | 4,157 |
| Net interest margin | 3.0801% | 6,705 |
| Noninterest income to average assets | 0.3260% | 6,115 |
| Noninterest expense to average assets | 2.1260% | 7,170 |
| Loan and lease loss provision to assets | 0.7819% | 1,909 |
| Net operating income to assets | 0.3878% | 5,205 |
| Return on assets (ROA) | 0.3878% | 5,015 |
| Pretax return on assets | 0.3878% | 5,295 |
| Return on Equity (ROE) | 4.3354% | 4,667 |
| Retained earnings to average equity (ytd only) | 4.3354% | 2,423 |
| Net charge-offs to loans | 0.5593% | 2,138 |
| Credit loss provision to net charge-offs | 188.6329% | 2,623 |
| Earnings coverage of net charge-offs (x) | 2.8218% | 4,670 |
| Efficiency ratio | 64.5093% | 5,452 |
| Assets per employee ($millions) | 7.1351% | 666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9382% | 6,458 |
| Loan loss allowance to noncurrent loans | 38.7377% | 6,138 |
| Noncurrent assets plus other real estate owned to assets | 1.6733% | 2,908 |
| Noncurrent loans to loans | 2.4219% | 2,263 |
| Net loans and leases to total assets | 68.4428% | 4,382 |
| Net loans and leases to deposits | 107.7773% | 989 |
| Net loans and leases to core deposits | 191.5191% | 209 |
| Total domestic deposits to total assets | 63.5039% | 7,816 |
| Equity capital to assets | 7.1918% | 7,630 |
| Core capital (leverage) ratio | 9.3309% | 4,256 |
| Tier 1 risk-based capital ratio | 11.1633% | 5,581 |
| Total risk-based capital ratio | 12.1696% | 5,714 |
| Memoranda: | ||
| Average total assets | $157,052,000 | 3,773 |
| Average earning assets | $151,421,800 | 3,627 |
| Average equity | $14,047,000 | 4,330 |
| Average total loans | $116,396,200 | 3,536 |