Home > CharterBank > Performance and Condition Ratios
CharterBank, Performance and Condition Ratios
| 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 | 4.5573% | 1,913 |
| Cost of funding earning assets | 0.5171% | 2,879 |
| Net interest margin | 4.0402% | 1,725 |
| Noninterest income to average assets | 1.2181% | 652 |
| Noninterest expense to average assets | 2.8765% | 2,421 |
| Loan and lease loss provision to assets | -0.0426% | 5,369 |
| Net operating income to assets | 1.4631% | 1,247 |
| Return on assets (ROA) | 1.4631% | 1,248 |
| Pretax return on assets | 2.0130% | 588 |
| Return on Equity (ROE) | 11.2403% | 2,022 |
| Retained earnings to average equity (ytd only) | 11.2403% | 626 |
| Net charge-offs to loans | -0.1257% | 5,227 |
| Credit loss provision to net charge-offs | 47.7490% | 2,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.4464% | 4,163 |
| Assets per employee ($millions) | 4.7373% | 2,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9858% | 3,931 |
| Loan loss allowance to noncurrent loans | 714.5432% | 813 |
| Noncurrent assets plus other real estate owned to assets | 0.1127% | 4,433 |
| Noncurrent loans to loans | 0.1380% | 4,283 |
| Net loans and leases to total assets | 70.8594% | 2,455 |
| Net loans and leases to deposits | 86.0252% | 2,305 |
| Net loans and leases to core deposits | 91.5204% | 2,440 |
| Total domestic deposits to total assets | 82.3704% | 3,605 |
| Equity capital to assets | 13.4737% | 1,112 |
| Core capital (leverage) ratio | 11.2947% | 2,258 |
| Tier 1 risk-based capital ratio | 14.7607% | 2,986 |
| Total risk-based capital ratio | 15.7006% | 3,051 |
| Memoranda: | ||
| Average total assets | $1,645,123,000 | 493 |
| Average earning assets | $1,477,590,000 | 499 |
| Average equity | $214,140,000 | 427 |
| Average total loans | $1,166,405,000 | 492 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5092% | 1,841 |
| Cost of funding earning assets | 0.4976% | 2,813 |
| Net interest margin | 4.0116% | 1,693 |
| Noninterest income to average assets | 1.1858% | 651 |
| Noninterest expense to average assets | 2.8888% | 2,413 |
| Loan and lease loss provision to assets | -0.0847% | 5,498 |
| Net operating income to assets | 1.4397% | 1,224 |
| Return on assets (ROA) | 1.4397% | 1,230 |
| Pretax return on assets | 1.9813% | 590 |
| Return on Equity (ROE) | 11.2551% | 1,870 |
| Retained earnings to average equity (ytd only) | 11.2551% | 836 |
| Net charge-offs to loans | -0.1190% | 5,263 |
| Credit loss provision to net charge-offs | 100.8646% | 1,533 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4012% | 4,146 |
| Assets per employee ($millions) | 4.7385% | 2,807 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9514% | 4,208 |
| Loan loss allowance to noncurrent loans | 780.7449% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.1041% | 4,561 |
| Noncurrent loans to loans | 0.1219% | 4,415 |
| Net loans and leases to total assets | 69.7409% | 2,524 |
| Net loans and leases to deposits | 83.9159% | 2,396 |
| Net loans and leases to core deposits | 89.3767% | 2,506 |
| Total domestic deposits to total assets | 83.1081% | 3,631 |
| Equity capital to assets | 12.8939% | 1,297 |
| Core capital (leverage) ratio | 10.9435% | 2,498 |
| Tier 1 risk-based capital ratio | 14.0853% | 3,335 |
| Total risk-based capital ratio | 14.9832% | 3,434 |
| Memoranda: | ||
| Average total assets | $1,652,865,500 | 496 |
| Average earning assets | $1,483,095,000 | 504 |
| Average equity | $211,423,500 | 432 |
| Average total loans | $1,166,483,500 | 492 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2252% | 2,599 |
| Cost of funding earning assets | 0.4720% | 2,585 |
| Net interest margin | 3.7532% | 2,586 |
| Noninterest income to average assets | 1.2513% | 679 |
| Noninterest expense to average assets | 2.9547% | 2,279 |
| Loan and lease loss provision to assets | -0.0097% | 5,305 |
| Net operating income to assets | 1.0384% | 2,097 |
| Return on assets (ROA) | 1.0487% | 2,086 |
| Pretax return on assets | 1.6907% | 1,030 |
| Return on Equity (ROE) | 7.9969% | 2,796 |
| Retained earnings to average equity (ytd only) | -7.5699% | 5,494 |
| Net charge-offs to loans | -0.0707% | 5,281 |
| Credit loss provision to net charge-offs | 19.6335% | 3,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1215% | 3,754 |
| Assets per employee ($millions) | 4.7199% | 2,839 |
| Cash dividends to net income (ytd only)* | 194.6607% | 99 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9538% | 4,188 |
| Loan loss allowance to noncurrent loans | 575.2588% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.1928% | 4,171 |
| Noncurrent loans to loans | 0.1658% | 4,264 |
| Net loans and leases to total assets | 70.0624% | 2,516 |
| Net loans and leases to deposits | 84.2071% | 2,471 |
| Net loans and leases to core deposits | 90.1297% | 2,559 |
| Total domestic deposits to total assets | 83.2026% | 3,495 |
| Equity capital to assets | 12.6881% | 1,416 |
| Core capital (leverage) ratio | 10.5635% | 2,776 |
| Tier 1 risk-based capital ratio | 13.7074% | 3,516 |
| Total risk-based capital ratio | 14.6110% | 3,620 |
| Memoranda: | ||
| Average total assets | $1,542,989,400 | 505 |
| Average earning assets | $1,384,754,200 | 509 |
| Average equity | $202,353,200 | 436 |
| Average total loans | $1,080,259,600 | 502 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1267% | 2,892 |
| Cost of funding earning assets | 0.4593% | 2,623 |
| Net interest margin | 3.6674% | 2,877 |
| Noninterest income to average assets | 1.2221% | 700 |
| Noninterest expense to average assets | 3.0164% | 2,072 |
| Loan and lease loss provision to assets | -0.0132% | 5,464 |
| Net operating income to assets | 0.9463% | 2,798 |
| Return on assets (ROA) | 0.9603% | 2,780 |
| Pretax return on assets | 1.5349% | 1,647 |
| Return on Equity (ROE) | 7.2581% | 3,519 |
| Retained earnings to average equity (ytd only) | -13.6691% | 5,650 |
| Net charge-offs to loans | -0.0918% | 5,356 |
| Credit loss provision to net charge-offs | 20.5761% | 3,153 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9965% | 3,212 |
| Assets per employee ($millions) | 4.6125% | 2,956 |
| Cash dividends to net income (ytd only)* | 288.3296% | 39 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9518% | 4,312 |
| Loan loss allowance to noncurrent loans | 649.3552% | 845 |
| Noncurrent assets plus other real estate owned to assets | 0.1914% | 4,338 |
| Noncurrent loans to loans | 0.1466% | 4,469 |
| Net loans and leases to total assets | 70.2069% | 2,524 |
| Net loans and leases to deposits | 84.2772% | 2,531 |
| Net loans and leases to core deposits | 90.3086% | 2,580 |
| Total domestic deposits to total assets | 83.3048% | 3,355 |
| Equity capital to assets | 12.4413% | 1,687 |
| Core capital (leverage) ratio | 10.9570% | 2,499 |
| Tier 1 risk-based capital ratio | 13.5310% | 3,685 |
| Total risk-based capital ratio | 14.4495% | 3,794 |
| Memoranda: | ||
| Average total assets | $1,516,925,500 | 515 |
| Average earning assets | $1,362,583,500 | 518 |
| Average equity | $200,690,500 | 438 |
| Average total loans | $1,059,021,000 | 509 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0792% | 2,894 |
| Cost of funding earning assets | 0.4606% | 2,503 |
| Net interest margin | 3.6186% | 2,959 |
| Noninterest income to average assets | 1.1945% | 713 |
| Noninterest expense to average assets | 2.7811% | 2,824 |
| Loan and lease loss provision to assets | -0.0203% | 5,562 |
| Net operating income to assets | 1.0430% | 2,239 |
| Return on assets (ROA) | 1.0645% | 2,188 |
| Pretax return on assets | 1.7210% | 1,008 |
| Return on Equity (ROE) | 7.8721% | 3,111 |
| Retained earnings to average equity (ytd only) | 7.8721% | 1,220 |
| Net charge-offs to loans | -0.0881% | 5,382 |
| Credit loss provision to net charge-offs | 33.2594% | 2,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.7098% | 4,048 |
| Assets per employee ($millions) | 4.3490% | 3,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0329% | 3,945 |
| Loan loss allowance to noncurrent loans | 586.6377% | 902 |
| Noncurrent assets plus other real estate owned to assets | 0.2555% | 4,104 |
| Noncurrent loans to loans | 0.1761% | 4,417 |
| Net loans and leases to total assets | 69.9811% | 2,528 |
| Net loans and leases to deposits | 85.0297% | 2,348 |
| Net loans and leases to core deposits | 90.8646% | 2,447 |
| Total domestic deposits to total assets | 82.3019% | 3,807 |
| Equity capital to assets | 13.7754% | 1,053 |
| Core capital (leverage) ratio | 12.0625% | 1,596 |
| Tier 1 risk-based capital ratio | 15.6891% | 2,624 |
| Total risk-based capital ratio | 16.6656% | 2,679 |
| Memoranda: | ||
| Average total assets | $1,475,219,670 | 528 |
| Average earning assets | $1,326,439,330 | 533 |
| Average equity | $199,490,000 | 440 |
| Average total loans | $1,024,059,330 | 529 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0286% | 2,933 |
| Cost of funding earning assets | 0.4621% | 2,413 |
| Net interest margin | 3.5666% | 3,024 |
| Noninterest income to average assets | 1.1510% | 762 |
| Noninterest expense to average assets | 2.7312% | 3,028 |
| Loan and lease loss provision to assets | -0.0407% | 5,704 |
| Net operating income to assets | 1.0007% | 2,298 |
| Return on assets (ROA) | 1.0438% | 2,152 |
| Pretax return on assets | 1.7401% | 920 |
| Return on Equity (ROE) | 7.7917% | 3,027 |
| Retained earnings to average equity (ytd only) | 7.7917% | 1,546 |
| Net charge-offs to loans | -0.0616% | 5,276 |
| Credit loss provision to net charge-offs | 96.1538% | 1,642 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6686% | 4,200 |
| Assets per employee ($millions) | 4.4960% | 3,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 4,106 |
| Loan loss allowance to noncurrent loans | 475.3394% | 1,090 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 4,087 |
| Noncurrent loans to loans | 0.2164% | 4,331 |
| Net loans and leases to total assets | 68.1254% | 2,661 |
| Net loans and leases to deposits | 82.3800% | 2,459 |
| Net loans and leases to core deposits | 87.7957% | 2,566 |
| Total domestic deposits to total assets | 82.6964% | 3,950 |
| Equity capital to assets | 13.4347% | 1,092 |
| Core capital (leverage) ratio | 11.8444% | 1,723 |
| Tier 1 risk-based capital ratio | 15.5670% | 2,725 |
| Total risk-based capital ratio | 16.5323% | 2,772 |
| Memoranda: | ||
| Average total assets | $1,473,507,000 | 530 |
| Average earning assets | $1,327,103,500 | 533 |
| Average equity | $197,390,500 | 445 |
| Average total loans | $1,013,303,000 | 534 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4898% | 1,564 |
| Cost of funding earning assets | 0.5046% | 2,052 |
| Net interest margin | 3.9853% | 1,670 |
| Noninterest income to average assets | 1.5483% | 505 |
| Noninterest expense to average assets | 3.5207% | 1,129 |
| Loan and lease loss provision to assets | -0.0783% | 5,651 |
| Net operating income to assets | 1.0897% | 1,935 |
| Return on assets (ROA) | 1.0903% | 2,038 |
| Pretax return on assets | 1.6809% | 1,049 |
| Return on Equity (ROE) | 7.4543% | 3,238 |
| Retained earnings to average equity (ytd only) | -22.5301% | 5,864 |
| Net charge-offs to loans | -0.2036% | 5,746 |
| Credit loss provision to net charge-offs | 55.4324% | 3,316 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9382% | 3,244 |
| Assets per employee ($millions) | 4.5305% | 3,075 |
| Cash dividends to net income (ytd only)* | 402.2411% | 25 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0443% | 4,046 |
| Loan loss allowance to noncurrent loans | 595.1814% | 931 |
| Noncurrent assets plus other real estate owned to assets | 0.2682% | 4,215 |
| Noncurrent loans to loans | 0.1755% | 4,533 |
| Net loans and leases to total assets | 67.9844% | 2,770 |
| Net loans and leases to deposits | 82.1933% | 2,649 |
| Net loans and leases to core deposits | 87.4488% | 2,727 |
| Total domestic deposits to total assets | 82.7129% | 3,853 |
| Equity capital to assets | 13.3567% | 1,108 |
| Core capital (leverage) ratio | 11.6968% | 1,792 |
| Tier 1 risk-based capital ratio | 14.9609% | 2,980 |
| Total risk-based capital ratio | 15.9074% | 3,064 |
| Memoranda: | ||
| Average total assets | $1,276,876,000 | 580 |
| Average earning assets | $1,145,096,800 | 589 |
| Average equity | $186,763,600 | 448 |
| Average total loans | $885,935,200 | 575 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5398% | 1,427 |
| Cost of funding earning assets | 0.5110% | 2,007 |
| Net interest margin | 4.0288% | 1,580 |
| Noninterest income to average assets | 1.5632% | 506 |
| Noninterest expense to average assets | 3.7827% | 758 |
| Loan and lease loss provision to assets | -0.0271% | 5,688 |
| Net operating income to assets | 0.9213% | 2,805 |
| Return on assets (ROA) | 0.9222% | 2,923 |
| Pretax return on assets | 1.4157% | 1,984 |
| Return on Equity (ROE) | 6.1460% | 4,002 |
| Retained earnings to average equity (ytd only) | -34.3027% | 5,950 |
| Net charge-offs to loans | -0.1441% | 5,680 |
| Credit loss provision to net charge-offs | 27.0270% | 3,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4006% | 2,516 |
| Assets per employee ($millions) | 4.4608% | 3,151 |
| Cash dividends to net income (ytd only)* | 658.1267% | 11 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0286% | 4,262 |
| Loan loss allowance to noncurrent loans | 197.9576% | 2,253 |
| Noncurrent assets plus other real estate owned to assets | 0.5514% | 3,253 |
| Noncurrent loans to loans | 0.5196% | 3,438 |
| Net loans and leases to total assets | 69.2607% | 2,601 |
| Net loans and leases to deposits | 84.1756% | 2,462 |
| Net loans and leases to core deposits | 89.6835% | 2,600 |
| Total domestic deposits to total assets | 82.2812% | 3,848 |
| Equity capital to assets | 13.3894% | 1,293 |
| Core capital (leverage) ratio | 11.5067% | 2,028 |
| Tier 1 risk-based capital ratio | 14.3376% | 3,374 |
| Total risk-based capital ratio | 15.2644% | 3,473 |
| Memoranda: | ||
| Average total assets | $1,230,259,500 | 600 |
| Average earning assets | $1,101,372,250 | 606 |
| Average equity | $184,591,000 | 454 |
| Average total loans | $856,083,000 | 586 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5571% | 1,368 |
| Cost of funding earning assets | 0.5229% | 1,921 |
| Net interest margin | 4.0342% | 1,537 |
| Noninterest income to average assets | 1.5847% | 484 |
| Noninterest expense to average assets | 4.1036% | 530 |
| Loan and lease loss provision to assets | -0.0172% | 5,777 |
| Net operating income to assets | 0.7431% | 3,581 |
| Return on assets (ROA) | 0.7446% | 3,734 |
| Pretax return on assets | 1.1049% | 3,178 |
| Return on Equity (ROE) | 4.7510% | 4,625 |
| Retained earnings to average equity (ytd only) | 4.7510% | 2,897 |
| Net charge-offs to loans | -0.1299% | 5,699 |
| Credit loss provision to net charge-offs | 19.1205% | 2,934 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3873% | 1,729 |
| Assets per employee ($millions) | 4.5709% | 2,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0027% | 4,500 |
| Loan loss allowance to noncurrent loans | 180.2280% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.6166% | 3,160 |
| Noncurrent loans to loans | 0.5564% | 3,397 |
| Net loans and leases to total assets | 70.0448% | 2,477 |
| Net loans and leases to deposits | 84.7964% | 2,372 |
| Net loans and leases to core deposits | 90.1674% | 2,518 |
| Total domestic deposits to total assets | 82.6035% | 3,794 |
| Equity capital to assets | 13.2360% | 1,364 |
| Core capital (leverage) ratio | 11.3233% | 2,124 |
| Tier 1 risk-based capital ratio | 14.0747% | 3,560 |
| Total risk-based capital ratio | 14.9878% | 3,678 |
| Memoranda: | ||
| Average total assets | $1,160,066,670 | 628 |
| Average earning assets | $1,036,448,670 | 637 |
| Average equity | $181,815,000 | 458 |
| Average total loans | $805,342,330 | 620 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3143% | 2,079 |
| Cost of funding earning assets | 0.5429% | 1,772 |
| Net interest margin | 3.7714% | 2,398 |
| Noninterest income to average assets | 1.7343% | 415 |
| Noninterest expense to average assets | 3.6038% | 1,013 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9955% | 2,298 |
| Return on assets (ROA) | 0.9955% | 2,415 |
| Pretax return on assets | 1.5123% | 1,545 |
| Return on Equity (ROE) | 5.7328% | 4,115 |
| Retained earnings to average equity (ytd only) | 5.7328% | 2,504 |
| Net charge-offs to loans | -0.0881% | 5,583 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1660% | 3,089 |
| Assets per employee ($millions) | 3.9462% | 4,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3803% | 2,512 |
| Loan loss allowance to noncurrent loans | 422.3842% | 1,213 |
| Noncurrent assets plus other real estate owned to assets | 0.4804% | 3,679 |
| Noncurrent loans to loans | 0.3268% | 4,264 |
| Net loans and leases to total assets | 67.0420% | 2,802 |
| Net loans and leases to deposits | 86.5273% | 2,015 |
| Net loans and leases to core deposits | 92.8266% | 2,109 |
| Total domestic deposits to total assets | 77.4808% | 5,220 |
| Equity capital to assets | 17.1445% | 408 |
| Core capital (leverage) ratio | 17.1277% | 361 |
| Tier 1 risk-based capital ratio | 21.7599% | 1,196 |
| Total risk-based capital ratio | 22.9822% | 1,182 |
| Memoranda: | ||
| Average total assets | $1,027,035,500 | 701 |
| Average earning assets | $920,929,000 | 719 |
| Average equity | $178,341,000 | 467 |
| Average total loans | $703,490,000 | 705 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4195% | 1,836 |
| Cost of funding earning assets | 0.5572% | 1,702 |
| Net interest margin | 3.8623% | 2,152 |
| Noninterest income to average assets | 1.5449% | 530 |
| Noninterest expense to average assets | 3.4783% | 1,336 |
| Loan and lease loss provision to assets | -0.0004% | 5,593 |
| Net operating income to assets | 1.0046% | 2,340 |
| Return on assets (ROA) | 1.0051% | 2,428 |
| Pretax return on assets | 1.5068% | 1,532 |
| Return on Equity (ROE) | 5.7697% | 4,143 |
| Retained earnings to average equity (ytd only) | -4.2323% | 5,878 |
| Net charge-offs to loans | -0.0394% | 5,488 |
| Credit loss provision to net charge-offs | 1.4870% | 3,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3084% | 3,341 |
| Assets per employee ($millions) | 3.7199% | 4,441 |
| Cash dividends to net income (ytd only)* | 173.3531% | 124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 2,429 |
| Loan loss allowance to noncurrent loans | 385.7939% | 1,307 |
| Noncurrent assets plus other real estate owned to assets | 0.5653% | 3,393 |
| Noncurrent loans to loans | 0.3624% | 4,152 |
| Net loans and leases to total assets | 68.0720% | 2,693 |
| Net loans and leases to deposits | 88.6221% | 1,792 |
| Net loans and leases to core deposits | 94.9194% | 1,954 |
| Total domestic deposits to total assets | 76.8115% | 5,342 |
| Equity capital to assets | 17.5947% | 349 |
| Core capital (leverage) ratio | 17.1886% | 342 |
| Tier 1 risk-based capital ratio | 21.9991% | 1,147 |
| Total risk-based capital ratio | 23.2334% | 1,131 |
| Memoranda: | ||
| Average total assets | $1,004,350,000 | 687 |
| Average earning assets | $894,277,600 | 705 |
| Average equity | $174,965,000 | 458 |
| Average total loans | $683,167,800 | 686 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3350% | 2,123 |
| Cost of funding earning assets | 0.5584% | 1,732 |
| Net interest margin | 3.7766% | 2,472 |
| Noninterest income to average assets | 1.1411% | 921 |
| Noninterest expense to average assets | 3.4930% | 1,300 |
| Loan and lease loss provision to assets | -0.0005% | 5,777 |
| Net operating income to assets | 0.6859% | 3,964 |
| Return on assets (ROA) | 0.6834% | 4,091 |
| Pretax return on assets | 1.0048% | 3,595 |
| Return on Equity (ROE) | 3.9328% | 5,049 |
| Retained earnings to average equity (ytd only) | -9.4363% | 6,120 |
| Net charge-offs to loans | -0.0118% | 5,047 |
| Credit loss provision to net charge-offs | 6.6667% | 3,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0388% | 2,085 |
| Assets per employee ($millions) | 3.7726% | 4,318 |
| Cash dividends to net income (ytd only)* | 339.9378% | 34 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3051% | 3,061 |
| Loan loss allowance to noncurrent loans | 106.5588% | 3,542 |
| Noncurrent assets plus other real estate owned to assets | 1.2001% | 1,973 |
| Noncurrent loans to loans | 1.2247% | 2,085 |
| Net loans and leases to total assets | 69.9251% | 2,398 |
| Net loans and leases to deposits | 91.4454% | 1,470 |
| Net loans and leases to core deposits | 98.3756% | 1,660 |
| Total domestic deposits to total assets | 76.4665% | 5,419 |
| Equity capital to assets | 16.8423% | 450 |
| Core capital (leverage) ratio | 16.0390% | 486 |
| Tier 1 risk-based capital ratio | 20.5459% | 1,428 |
| Total risk-based capital ratio | 21.7074% | 1,409 |
| Memoranda: | ||
| Average total assets | $1,004,344,750 | 690 |
| Average earning assets | $893,516,750 | 711 |
| Average equity | $174,527,250 | 460 |
| Average total loans | $680,612,250 | 688 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1839% | 2,605 |
| Cost of funding earning assets | 0.5648% | 1,687 |
| Net interest margin | 3.6192% | 3,016 |
| Noninterest income to average assets | 1.4216% | 628 |
| Noninterest expense to average assets | 3.3813% | 1,509 |
| Loan and lease loss provision to assets | -0.0008% | 5,921 |
| Net operating income to assets | 0.8412% | 3,165 |
| Return on assets (ROA) | 0.8374% | 3,296 |
| Pretax return on assets | 1.2438% | 2,576 |
| Return on Equity (ROE) | 4.7689% | 4,718 |
| Retained earnings to average equity (ytd only) | -15.2204% | 6,233 |
| Net charge-offs to loans | -0.0018% | 4,581 |
| Credit loss provision to net charge-offs | 66.6667% | 2,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.4591% | 2,939 |
| Assets per employee ($millions) | 3.6640% | 4,509 |
| Cash dividends to net income (ytd only)* | 419.1617% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3751% | 2,869 |
| Loan loss allowance to noncurrent loans | 105.4791% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 1.2184% | 2,077 |
| Noncurrent loans to loans | 1.3037% | 2,059 |
| Net loans and leases to total assets | 67.3884% | 2,733 |
| Net loans and leases to deposits | 87.1102% | 1,927 |
| Net loans and leases to core deposits | 93.2954% | 2,026 |
| Total domestic deposits to total assets | 77.3600% | 5,399 |
| Equity capital to assets | 17.0554% | 414 |
| Core capital (leverage) ratio | 16.7035% | 386 |
| Tier 1 risk-based capital ratio | 21.6570% | 1,255 |
| Total risk-based capital ratio | 22.8815% | 1,246 |
| Memoranda: | ||
| Average total assets | $997,079,000 | 698 |
| Average earning assets | $883,903,670 | 725 |
| Average equity | $175,094,330 | 466 |
| Average total loans | $665,143,330 | 706 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1402% | 2,673 |
| Cost of funding earning assets | 0.5701% | 1,661 |
| Net interest margin | 3.5701% | 3,124 |
| Noninterest income to average assets | 1.3204% | 656 |
| Noninterest expense to average assets | 3.3505% | 1,598 |
| Loan and lease loss provision to assets | -0.0016% | 6,069 |
| Net operating income to assets | 0.7599% | 3,485 |
| Return on assets (ROA) | 0.7524% | 3,661 |
| Pretax return on assets | 1.1163% | 3,009 |
| Return on Equity (ROE) | 4.2230% | 4,881 |
| Retained earnings to average equity (ytd only) | -35.3183% | 6,358 |
| Net charge-offs to loans | 0.0159% | 2,850 |
| Credit loss provision to net charge-offs | -15.3846% | 4,326 |
| Earnings coverage of net charge-offs (x) | 107.5769% | 466 |
| Efficiency ratio | 74.2356% | 2,782 |
| Assets per employee ($millions) | 3.6293% | 4,667 |
| Cash dividends to net income (ytd only)* | 936.3296% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 2,885 |
| Loan loss allowance to noncurrent loans | 93.2138% | 3,852 |
| Noncurrent assets plus other real estate owned to assets | 1.4452% | 1,828 |
| Noncurrent loans to loans | 1.5086% | 1,872 |
| Net loans and leases to total assets | 65.3836% | 2,866 |
| Net loans and leases to deposits | 84.1012% | 2,057 |
| Net loans and leases to core deposits | 89.7829% | 2,150 |
| Total domestic deposits to total assets | 77.7440% | 5,493 |
| Equity capital to assets | 16.8005% | 456 |
| Core capital (leverage) ratio | 16.7325% | 389 |
| Tier 1 risk-based capital ratio | 22.1671% | 1,211 |
| Total risk-based capital ratio | 23.4173% | 1,199 |
| Memoranda: | ||
| Average total assets | $993,656,000 | 698 |
| Average earning assets | $878,413,500 | 728 |
| Average equity | $177,030,000 | 463 |
| Average total loans | $654,734,000 | 716 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9229% | 4,045 |
| Cost of funding earning assets | 0.6208% | 1,603 |
| Net interest margin | 3.3021% | 4,551 |
| Noninterest income to average assets | 1.2800% | 741 |
| Noninterest expense to average assets | 3.2272% | 2,139 |
| Loan and lease loss provision to assets | -0.0977% | 6,143 |
| Net operating income to assets | 0.7074% | 3,849 |
| Return on assets (ROA) | 0.7206% | 3,900 |
| Pretax return on assets | 1.0652% | 3,228 |
| Return on Equity (ROE) | 3.7803% | 5,206 |
| Retained earnings to average equity (ytd only) | -12.0638% | 6,350 |
| Net charge-offs to loans | 0.0770% | 3,385 |
| Credit loss provision to net charge-offs | -216.4882% | 5,650 |
| Earnings coverage of net charge-offs (x) | 21.0043% | 1,700 |
| Efficiency ratio | 76.4879% | 2,442 |
| Assets per employee ($millions) | 3.4449% | 4,984 |
| Cash dividends to net income (ytd only)* | 419.1255% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4846% | 2,548 |
| Loan loss allowance to noncurrent loans | 57.1506% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 2.2633% | 1,067 |
| Noncurrent loans to loans | 2.5977% | 961 |
| Net loans and leases to total assets | 64.4817% | 3,146 |
| Net loans and leases to deposits | 85.8512% | 2,000 |
| Net loans and leases to core deposits | 88.6135% | 2,430 |
| Total domestic deposits to total assets | 75.1086% | 5,846 |
| Equity capital to assets | 18.8633% | 269 |
| Core capital (leverage) ratio | 18.3079% | 275 |
| Tier 1 risk-based capital ratio | 25.2107% | 820 |
| Total risk-based capital ratio | 26.4619% | 807 |
| Memoranda: | ||
| Average total assets | $1,034,639,600 | 654 |
| Average earning assets | $907,175,000 | 676 |
| Average equity | $197,235,200 | 409 |
| Average total loans | $606,876,400 | 725 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8531% | 4,358 |
| Cost of funding earning assets | 0.6205% | 1,670 |
| Net interest margin | 3.2326% | 4,846 |
| Noninterest income to average assets | 1.2495% | 779 |
| Noninterest expense to average assets | 3.2150% | 2,130 |
| Loan and lease loss provision to assets | -0.1290% | 6,326 |
| Net operating income to assets | 0.6732% | 4,092 |
| Return on assets (ROA) | 0.6906% | 4,081 |
| Pretax return on assets | 1.0214% | 3,516 |
| Return on Equity (ROE) | 3.6139% | 5,328 |
| Retained earnings to average equity (ytd only) | -17.1767% | 6,466 |
| Net charge-offs to loans | 0.0942% | 2,865 |
| Credit loss provision to net charge-offs | -239.9527% | 5,606 |
| Earnings coverage of net charge-offs (x) | 16.1181% | 2,003 |
| Efficiency ratio | 77.9107% | 2,192 |
| Assets per employee ($millions) | 3.5815% | 4,714 |
| Cash dividends to net income (ytd only)* | 575.2943% | 10 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5284% | 2,584 |
| Loan loss allowance to noncurrent loans | 49.1668% | 5,172 |
| Noncurrent assets plus other real estate owned to assets | 2.6317% | 973 |
| Noncurrent loans to loans | 3.1087% | 835 |
| Net loans and leases to total assets | 60.4160% | 3,715 |
| Net loans and leases to deposits | 79.4569% | 2,776 |
| Net loans and leases to core deposits | 81.8688% | 3,110 |
| Total domestic deposits to total assets | 76.0362% | 5,810 |
| Equity capital to assets | 18.0002% | 337 |
| Core capital (leverage) ratio | 17.6677% | 317 |
| Tier 1 risk-based capital ratio | 26.6528% | 732 |
| Total risk-based capital ratio | 27.9049% | 714 |
| Memoranda: | ||
| Average total assets | $1,048,709,000 | 637 |
| Average earning assets | $918,854,250 | 663 |
| Average equity | $200,406,250 | 402 |
| Average total loans | $598,502,750 | 733 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8802% | 4,221 |
| Cost of funding earning assets | 0.6209% | 1,727 |
| Net interest margin | 3.2593% | 4,744 |
| Noninterest income to average assets | 1.1652% | 856 |
| Noninterest expense to average assets | 3.0934% | 2,529 |
| Loan and lease loss provision to assets | -0.1673% | 6,442 |
| Net operating income to assets | 0.7372% | 3,637 |
| Return on assets (ROA) | 0.7630% | 3,607 |
| Pretax return on assets | 1.1302% | 2,976 |
| Return on Equity (ROE) | 3.9204% | 5,184 |
| Retained earnings to average equity (ytd only) | -2.1296% | 6,010 |
| Net charge-offs to loans | 0.2560% | 1,534 |
| Credit loss provision to net charge-offs | -117.3052% | 5,288 |
| Earnings coverage of net charge-offs (x) | 6.4861% | 2,763 |
| Efficiency ratio | 76.0713% | 2,619 |
| Assets per employee ($millions) | 3.6724% | 4,500 |
| Cash dividends to net income (ytd only)* | 154.3210% | 199 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5554% | 2,643 |
| Loan loss allowance to noncurrent loans | 48.6094% | 5,218 |
| Noncurrent assets plus other real estate owned to assets | 2.7424% | 955 |
| Noncurrent loans to loans | 3.1998% | 885 |
| Net loans and leases to total assets | 56.6108% | 4,173 |
| Net loans and leases to deposits | 76.0306% | 3,056 |
| Net loans and leases to core deposits | 78.2698% | 3,409 |
| Total domestic deposits to total assets | 74.4579% | 6,066 |
| Equity capital to assets | 19.8426% | 225 |
| Core capital (leverage) ratio | 19.5132% | 220 |
| Tier 1 risk-based capital ratio | 31.6797% | 457 |
| Total risk-based capital ratio | 32.9323% | 448 |
| Memoranda: | ||
| Average total assets | $1,061,622,330 | 631 |
| Average earning assets | $929,341,670 | 660 |
| Average equity | $206,609,670 | 387 |
| Average total loans | $591,452,330 | 736 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8083% | 4,454 |
| Cost of funding earning assets | 0.6261% | 1,761 |
| Net interest margin | 3.1822% | 4,981 |
| Noninterest income to average assets | 1.2138% | 750 |
| Noninterest expense to average assets | 2.9956% | 2,866 |
| Loan and lease loss provision to assets | -0.0201% | 6,422 |
| Net operating income to assets | 0.6894% | 3,742 |
| Return on assets (ROA) | 0.6894% | 3,817 |
| Pretax return on assets | 1.0136% | 3,272 |
| Return on Equity (ROE) | 3.5758% | 5,230 |
| Retained earnings to average equity (ytd only) | 3.5758% | 3,986 |
| Net charge-offs to loans | 0.1065% | 2,117 |
| Credit loss provision to net charge-offs | -34.3949% | 4,718 |
| Earnings coverage of net charge-offs (x) | 17.0000% | 1,480 |
| Efficiency ratio | 74.1625% | 3,108 |
| Assets per employee ($millions) | 3.7549% | 4,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8269% | 1,962 |
| Loan loss allowance to noncurrent loans | 44.0814% | 5,432 |
| Noncurrent assets plus other real estate owned to assets | 3.2605% | 825 |
| Noncurrent loans to loans | 4.1444% | 630 |
| Net loans and leases to total assets | 53.5362% | 4,484 |
| Net loans and leases to deposits | 71.2218% | 3,440 |
| Net loans and leases to core deposits | 73.2867% | 3,731 |
| Total domestic deposits to total assets | 75.1683% | 6,144 |
| Equity capital to assets | 19.4086% | 241 |
| Core capital (leverage) ratio | 19.2501% | 236 |
| Tier 1 risk-based capital ratio | 32.9239% | 416 |
| Total risk-based capital ratio | 34.1796% | 409 |
| Memoranda: | ||
| Average total assets | $1,074,629,000 | 628 |
| Average earning assets | $937,205,500 | 654 |
| Average equity | $207,168,500 | 388 |
| Average total loans | $589,413,500 | 741 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3443% | 2,794 |
| Cost of funding earning assets | 0.7413% | 1,559 |
| Net interest margin | 3.6030% | 3,455 |
| Noninterest income to average assets | 1.0269% | 1,328 |
| Noninterest expense to average assets | 3.1574% | 2,559 |
| Loan and lease loss provision to assets | 0.1278% | 2,710 |
| Net operating income to assets | 0.5825% | 4,345 |
| Return on assets (ROA) | 0.5844% | 4,448 |
| Pretax return on assets | 0.8442% | 3,982 |
| Return on Equity (ROE) | 3.6356% | 5,265 |
| Retained earnings to average equity (ytd only) | 3.6356% | 3,636 |
| Net charge-offs to loans | 0.9885% | 595 |
| Credit loss provision to net charge-offs | 24.1070% | 4,367 |
| Earnings coverage of net charge-offs (x) | 1.8278% | 4,440 |
| Efficiency ratio | 75.5023% | 2,858 |
| Assets per employee ($millions) | 3.7732% | 4,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0110% | 1,520 |
| Loan loss allowance to noncurrent loans | 43.9827% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 3.6377% | 782 |
| Noncurrent loans to loans | 4.5722% | 578 |
| Net loans and leases to total assets | 54.0540% | 4,575 |
| Net loans and leases to deposits | 72.0612% | 3,512 |
| Net loans and leases to core deposits | 75.1342% | 3,714 |
| Total domestic deposits to total assets | 75.0112% | 6,197 |
| Equity capital to assets | 19.1479% | 255 |
| Core capital (leverage) ratio | 19.0511% | 235 |
| Tier 1 risk-based capital ratio | 32.5755% | 411 |
| Total risk-based capital ratio | 33.8336% | 406 |
| Memoranda: | ||
| Average total assets | $1,092,724,400 | 603 |
| Average earning assets | $940,120,200 | 630 |
| Average equity | $175,651,200 | 433 |
| Average total loans | $586,243,200 | 712 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4692% | 2,350 |
| Cost of funding earning assets | 0.7629% | 1,523 |
| Net interest margin | 3.7063% | 3,005 |
| Noninterest income to average assets | 0.8852% | 1,807 |
| Noninterest expense to average assets | 3.1549% | 2,490 |
| Loan and lease loss provision to assets | 0.1331% | 2,618 |
| Net operating income to assets | 0.5396% | 4,622 |
| Return on assets (ROA) | 0.5422% | 4,754 |
| Pretax return on assets | 0.7844% | 4,355 |
| Return on Equity (ROE) | 3.5385% | 5,421 |
| Retained earnings to average equity (ytd only) | 3.5385% | 4,179 |
| Net charge-offs to loans | 1.3301% | 398 |
| Credit loss provision to net charge-offs | 18.7789% | 4,091 |
| Earnings coverage of net charge-offs (x) | 1.2895% | 4,406 |
| Efficiency ratio | 76.4980% | 2,650 |
| Assets per employee ($millions) | 3.8105% | 4,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0356% | 1,639 |
| Loan loss allowance to noncurrent loans | 43.2623% | 5,510 |
| Noncurrent assets plus other real estate owned to assets | 3.9944% | 781 |
| Noncurrent loans to loans | 4.7053% | 668 |
| Net loans and leases to total assets | 53.3040% | 4,708 |
| Net loans and leases to deposits | 70.7046% | 3,685 |
| Net loans and leases to core deposits | 74.1461% | 3,825 |
| Total domestic deposits to total assets | 75.3897% | 6,240 |
| Equity capital to assets | 18.7090% | 278 |
| Core capital (leverage) ratio | 18.5551% | 256 |
| Tier 1 risk-based capital ratio | 32.5684% | 418 |
| Total risk-based capital ratio | 33.8270% | 412 |
| Memoranda: | ||
| Average total assets | $1,097,067,250 | 604 |
| Average earning assets | $942,303,000 | 631 |
| Average equity | $168,087,250 | 447 |
| Average total loans | $584,504,000 | 715 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6087% | 1,824 |
| Cost of funding earning assets | 0.7845% | 1,498 |
| Net interest margin | 3.8241% | 2,460 |
| Noninterest income to average assets | 0.8241% | 2,094 |
| Noninterest expense to average assets | 3.0917% | 2,684 |
| Loan and lease loss provision to assets | 0.1457% | 2,517 |
| Net operating income to assets | 0.5931% | 4,323 |
| Return on assets (ROA) | 0.5931% | 4,507 |
| Pretax return on assets | 0.8596% | 4,068 |
| Return on Equity (ROE) | 4.1779% | 5,142 |
| Retained earnings to average equity (ytd only) | 4.1779% | 3,631 |
| Net charge-offs to loans | 1.4486% | 372 |
| Credit loss provision to net charge-offs | 19.0114% | 3,747 |
| Earnings coverage of net charge-offs (x) | 1.3118% | 4,106 |
| Efficiency ratio | 74.4099% | 3,049 |
| Assets per employee ($millions) | 3.8902% | 4,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4250% | 1,066 |
| Loan loss allowance to noncurrent loans | 35.9878% | 5,802 |
| Noncurrent assets plus other real estate owned to assets | 4.7809% | 664 |
| Noncurrent loans to loans | 6.7384% | 375 |
| Net loans and leases to total assets | 50.4948% | 5,057 |
| Net loans and leases to deposits | 66.7848% | 4,175 |
| Net loans and leases to core deposits | 69.9090% | 4,287 |
| Total domestic deposits to total assets | 75.6082% | 6,292 |
| Equity capital to assets | 18.0646% | 322 |
| Core capital (leverage) ratio | 17.9395% | 290 |
| Tier 1 risk-based capital ratio | 33.3619% | 395 |
| Total risk-based capital ratio | 34.6186% | 385 |
| Memoranda: | ||
| Average total assets | $1,098,218,000 | 604 |
| Average earning assets | $939,923,670 | 637 |
| Average equity | $155,915,000 | 481 |
| Average total loans | $580,987,670 | 718 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7629% | 1,371 |
| Cost of funding earning assets | 0.8253% | 1,395 |
| Net interest margin | 3.9377% | 1,989 |
| Noninterest income to average assets | 0.6933% | 2,628 |
| Noninterest expense to average assets | 3.1095% | 2,646 |
| Loan and lease loss provision to assets | 0.0951% | 3,079 |
| Net operating income to assets | 0.5636% | 4,392 |
| Return on assets (ROA) | 0.5636% | 4,545 |
| Pretax return on assets | 0.8426% | 3,988 |
| Return on Equity (ROE) | 4.6220% | 4,777 |
| Retained earnings to average equity (ytd only) | 4.6220% | 3,462 |
| Net charge-offs to loans | 1.4145% | 384 |
| Credit loss provision to net charge-offs | 12.5670% | 3,119 |
| Earnings coverage of net charge-offs (x) | 1.2392% | 3,413 |
| Efficiency ratio | 75.7377% | 2,969 |
| Assets per employee ($millions) | 3.9473% | 4,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7141% | 901 |
| Loan loss allowance to noncurrent loans | 112.1184% | 3,045 |
| Noncurrent assets plus other real estate owned to assets | 2.8214% | 1,601 |
| Noncurrent loans to loans | 2.4208% | 2,136 |
| Net loans and leases to total assets | 48.8627% | 5,129 |
| Net loans and leases to deposits | 59.6794% | 4,837 |
| Net loans and leases to core deposits | 62.3334% | 4,922 |
| Total domestic deposits to total assets | 81.8752% | 5,239 |
| Equity capital to assets | 11.7020% | 2,252 |
| Core capital (leverage) ratio | 11.3264% | 1,999 |
| Tier 1 risk-based capital ratio | 21.7470% | 1,383 |
| Total risk-based capital ratio | 23.0141% | 1,350 |
| Memoranda: | ||
| Average total assets | $1,085,187,500 | 615 |
| Average earning assets | $924,303,500 | 653 |
| Average equity | $132,324,000 | 557 |
| Average total loans | $580,576,000 | 722 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3082% | 915 |
| Cost of funding earning assets | 1.0673% | 1,037 |
| Net interest margin | 4.2409% | 1,540 |
| Noninterest income to average assets | 1.0512% | 1,404 |
| Noninterest expense to average assets | 3.4660% | 1,913 |
| Loan and lease loss provision to assets | 0.2635% | 2,538 |
| Net operating income to assets | 0.6771% | 3,847 |
| Return on assets (ROA) | 0.7034% | 3,975 |
| Pretax return on assets | 0.8909% | 3,953 |
| Return on Equity (ROE) | 5.6945% | 4,315 |
| Retained earnings to average equity (ytd only) | 0.3532% | 5,678 |
| Net charge-offs to loans | 0.4050% | 2,634 |
| Credit loss provision to net charge-offs | 110.1655% | 2,652 |
| Earnings coverage of net charge-offs (x) | 4.6872% | 3,289 |
| Efficiency ratio | 74.4628% | 2,996 |
| Assets per employee ($millions) | 3.5763% | 4,840 |
| Cash dividends to net income (ytd only)* | 93.7969% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5983% | 3,319 |
| Loan loss allowance to noncurrent loans | 37.5967% | 5,740 |
| Noncurrent assets plus other real estate owned to assets | 4.5991% | 890 |
| Noncurrent loans to loans | 4.2513% | 1,047 |
| Net loans and leases to total assets | 56.1887% | 4,257 |
| Net loans and leases to deposits | 70.8769% | 3,580 |
| Net loans and leases to core deposits | 77.9911% | 3,261 |
| Total domestic deposits to total assets | 79.2765% | 5,830 |
| Equity capital to assets | 12.7344% | 1,575 |
| Core capital (leverage) ratio | 12.3049% | 1,398 |
| Tier 1 risk-based capital ratio | 20.5427% | 1,555 |
| Total risk-based capital ratio | 21.7962% | 1,525 |
| Memoranda: | ||
| Average total assets | $1,061,115,400 | 621 |
| Average earning assets | $884,717,600 | 671 |
| Average equity | $131,074,000 | 551 |
| Average total loans | $626,623,200 | 663 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3921% | 849 |
| Cost of funding earning assets | 1.1059% | 1,039 |
| Net interest margin | 4.2862% | 1,514 |
| Noninterest income to average assets | 1.0021% | 1,494 |
| Noninterest expense to average assets | 3.5525% | 1,649 |
| Loan and lease loss provision to assets | 0.2999% | 2,200 |
| Net operating income to assets | 0.6119% | 4,340 |
| Return on assets (ROA) | 0.6264% | 4,515 |
| Pretax return on assets | 0.7237% | 4,780 |
| Return on Equity (ROE) | 5.1097% | 4,774 |
| Retained earnings to average equity (ytd only) | -1.0010% | 6,276 |
| Net charge-offs to loans | 0.5096% | 2,082 |
| Credit loss provision to net charge-offs | 98.8477% | 3,035 |
| Earnings coverage of net charge-offs (x) | 3.3189% | 3,693 |
| Efficiency ratio | 76.8024% | 2,550 |
| Assets per employee ($millions) | 3.5377% | 4,883 |
| Cash dividends to net income (ytd only)* | 119.5894% | 195 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5197% | 3,870 |
| Loan loss allowance to noncurrent loans | 36.0170% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 4.7999% | 939 |
| Noncurrent loans to loans | 4.2193% | 1,169 |
| Net loans and leases to total assets | 57.7824% | 4,171 |
| Net loans and leases to deposits | 73.1592% | 3,420 |
| Net loans and leases to core deposits | 77.4559% | 3,540 |
| Total domestic deposits to total assets | 78.9817% | 5,874 |
| Equity capital to assets | 12.6561% | 1,795 |
| Core capital (leverage) ratio | 12.1598% | 1,555 |
| Tier 1 risk-based capital ratio | 17.9725% | 2,363 |
| Total risk-based capital ratio | 19.2234% | 2,336 |
| Memoranda: | ||
| Average total assets | $1,068,005,250 | 618 |
| Average earning assets | $886,363,250 | 674 |
| Average equity | $130,938,250 | 553 |
| Average total loans | $635,735,250 | 654 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5526% | 640 |
| Cost of funding earning assets | 1.1720% | 933 |
| Net interest margin | 4.3807% | 1,254 |
| Noninterest income to average assets | 0.8586% | 1,937 |
| Noninterest expense to average assets | 3.6860% | 1,403 |
| Loan and lease loss provision to assets | 0.1788% | 3,309 |
| Net operating income to assets | 0.6157% | 4,308 |
| Return on assets (ROA) | 0.5837% | 4,700 |
| Pretax return on assets | 0.5568% | 5,290 |
| Return on Equity (ROE) | 4.8105% | 4,897 |
| Retained earnings to average equity (ytd only) | 4.8105% | 3,404 |
| Net charge-offs to loans | 0.2711% | 2,961 |
| Credit loss provision to net charge-offs | 110.2857% | 2,474 |
| Earnings coverage of net charge-offs (x) | 4.7360% | 3,001 |
| Efficiency ratio | 81.6238% | 1,942 |
| Assets per employee ($millions) | 3.5057% | 4,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4833% | 4,092 |
| Loan loss allowance to noncurrent loans | 27.5697% | 6,250 |
| Noncurrent assets plus other real estate owned to assets | 5.5358% | 805 |
| Noncurrent loans to loans | 5.3803% | 871 |
| Net loans and leases to total assets | 58.9441% | 3,997 |
| Net loans and leases to deposits | 74.6639% | 3,176 |
| Net loans and leases to core deposits | 80.2554% | 3,181 |
| Total domestic deposits to total assets | 78.9459% | 5,972 |
| Equity capital to assets | 12.7132% | 1,675 |
| Core capital (leverage) ratio | 12.3264% | 1,433 |
| Tier 1 risk-based capital ratio | 19.6055% | 1,815 |
| Total risk-based capital ratio | 20.8576% | 1,784 |
| Memoranda: | ||
| Average total assets | $1,079,667,000 | 610 |
| Average earning assets | $886,027,670 | 674 |
| Average equity | $131,004,330 | 550 |
| Average total loans | $645,608,670 | 639 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7376% | 482 |
| Cost of funding earning assets | 1.2989% | 634 |
| Net interest margin | 4.4387% | 1,136 |
| Noninterest income to average assets | 0.8324% | 2,023 |
| Noninterest expense to average assets | 3.3506% | 2,144 |
| Loan and lease loss provision to assets | 0.2158% | 2,785 |
| Net operating income to assets | 0.5967% | 4,352 |
| Return on assets (ROA) | 0.5530% | 4,789 |
| Pretax return on assets | 0.8072% | 4,386 |
| Return on Equity (ROE) | 4.6648% | 4,948 |
| Retained earnings to average equity (ytd only) | 4.6648% | 3,768 |
| Net charge-offs to loans | 0.3640% | 2,211 |
| Credit loss provision to net charge-offs | 99.1597% | 2,390 |
| Earnings coverage of net charge-offs (x) | 4.9916% | 2,463 |
| Efficiency ratio | 74.4209% | 3,030 |
| Assets per employee ($millions) | 3.5374% | 5,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3890% | 4,660 |
| Loan loss allowance to noncurrent loans | 20.3065% | 6,552 |
| Noncurrent assets plus other real estate owned to assets | 6.4085% | 708 |
| Noncurrent loans to loans | 6.8402% | 668 |
| Net loans and leases to total assets | 59.7775% | 3,719 |
| Net loans and leases to deposits | 75.0487% | 2,967 |
| Net loans and leases to core deposits | 80.9297% | 2,957 |
| Total domestic deposits to total assets | 79.6516% | 5,932 |
| Equity capital to assets | 12.1924% | 1,919 |
| Core capital (leverage) ratio | 11.9284% | 1,628 |
| Tier 1 risk-based capital ratio | 21.4557% | 1,391 |
| Total risk-based capital ratio | 21.6034% | 1,600 |
| Memoranda: | ||
| Average total assets | $1,093,639,500 | 606 |
| Average earning assets | $888,102,000 | 674 |
| Average equity | $129,652,500 | 551 |
| Average total loans | $653,782,000 | 638 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4044% | 1,407 |
| Cost of funding earning assets | 1.6129% | 452 |
| Net interest margin | 3.7915% | 3,869 |
| Noninterest income to average assets | 0.9585% | 1,476 |
| Noninterest expense to average assets | 3.1208% | 3,131 |
| Loan and lease loss provision to assets | 0.3966% | 2,614 |
| Net operating income to assets | 0.3711% | 4,992 |
| Return on assets (ROA) | 0.2901% | 5,446 |
| Pretax return on assets | 0.3938% | 5,313 |
| Return on Equity (ROE) | 2.4226% | 5,498 |
| Retained earnings to average equity (ytd only) | 2.4226% | 4,493 |
| Net charge-offs to loans | 0.2906% | 3,956 |
| Credit loss provision to net charge-offs | 237.2881% | 1,028 |
| Earnings coverage of net charge-offs (x) | 5.3836% | 2,814 |
| Efficiency ratio | 76.8636% | 2,765 |
| Assets per employee ($millions) | 3.6692% | 4,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3408% | 4,705 |
| Loan loss allowance to noncurrent loans | 23.3087% | 6,502 |
| Noncurrent assets plus other real estate owned to assets | 6.0352% | 811 |
| Noncurrent loans to loans | 5.7524% | 893 |
| Net loans and leases to total assets | 58.1834% | 4,338 |
| Net loans and leases to deposits | 74.6628% | 3,390 |
| Net loans and leases to core deposits | 78.4068% | 3,637 |
| Total domestic deposits to total assets | 77.9282% | 6,205 |
| Equity capital to assets | 11.5310% | 2,474 |
| Core capital (leverage) ratio | 11.2826% | 2,052 |
| Tier 1 risk-based capital ratio | 20.3367% | 1,558 |
| Total risk-based capital ratio | 21.5899% | 1,533 |
| Memoranda: | ||
| Average total assets | $1,059,006,800 | 622 |
| Average earning assets | $855,255,200 | 686 |
| Average equity | $126,807,800 | 546 |
| Average total loans | $608,996,000 | 687 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3147% | 1,803 |
| Cost of funding earning assets | 1.6511% | 472 |
| Net interest margin | 3.6636% | 4,508 |
| Noninterest income to average assets | 0.9806% | 1,391 |
| Noninterest expense to average assets | 3.0271% | 3,454 |
| Loan and lease loss provision to assets | 0.2680% | 3,364 |
| Net operating income to assets | 0.4715% | 4,670 |
| Return on assets (ROA) | 0.3139% | 5,520 |
| Pretax return on assets | 0.4292% | 5,380 |
| Return on Equity (ROE) | 2.5958% | 5,586 |
| Retained earnings to average equity (ytd only) | 2.5958% | 4,810 |
| Net charge-offs to loans | 0.2120% | 4,108 |
| Credit loss provision to net charge-offs | 221.2856% | 1,290 |
| Earnings coverage of net charge-offs (x) | 7.5406% | 2,345 |
| Efficiency ratio | 76.2395% | 2,809 |
| Assets per employee ($millions) | 4.0515% | 3,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2321% | 5,335 |
| Loan loss allowance to noncurrent loans | 10.9177% | 6,883 |
| Noncurrent assets plus other real estate owned to assets | 9.0800% | 433 |
| Noncurrent loans to loans | 11.2858% | 275 |
| Net loans and leases to total assets | 55.7195% | 4,884 |
| Net loans and leases to deposits | 70.4987% | 4,217 |
| Net loans and leases to core deposits | 76.4414% | 4,146 |
| Total domestic deposits to total assets | 79.0362% | 5,975 |
| Equity capital to assets | 11.0120% | 3,134 |
| Core capital (leverage) ratio | 10.6837% | 2,682 |
| Tier 1 risk-based capital ratio | 23.1012% | 1,138 |
| Total risk-based capital ratio | 24.3555% | 1,117 |
| Memoranda: | ||
| Average total assets | $1,044,900,500 | 641 |
| Average earning assets | $844,096,000 | 704 |
| Average equity | $126,354,500 | 555 |
| Average total loans | $596,791,000 | 709 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6582% | 949 |
| Cost of funding earning assets | 1.8028% | 308 |
| Net interest margin | 3.8554% | 3,510 |
| Noninterest income to average assets | 0.7405% | 2,321 |
| Noninterest expense to average assets | 3.0354% | 3,506 |
| Loan and lease loss provision to assets | 0.1994% | 3,934 |
| Net operating income to assets | 0.4357% | 4,790 |
| Return on assets (ROA) | 0.4220% | 4,999 |
| Pretax return on assets | 0.5941% | 4,758 |
| Return on Equity (ROE) | 3.3723% | 5,225 |
| Retained earnings to average equity (ytd only) | 3.3723% | 4,113 |
| Net charge-offs to loans | 0.2016% | 3,941 |
| Credit loss provision to net charge-offs | 172.4138% | 1,754 |
| Earnings coverage of net charge-offs (x) | 7.0276% | 2,293 |
| Efficiency ratio | 78.3179% | 2,663 |
| Assets per employee ($millions) | 3.7165% | 4,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4571% | 4,304 |
| Loan loss allowance to noncurrent loans | 14.9097% | 6,867 |
| Noncurrent assets plus other real estate owned to assets | 8.3115% | 535 |
| Noncurrent loans to loans | 9.7727% | 401 |
| Net loans and leases to total assets | 58.1322% | 4,600 |
| Net loans and leases to deposits | 78.0073% | 3,118 |
| Net loans and leases to core deposits | 85.0001% | 3,075 |
| Total domestic deposits to total assets | 74.5215% | 6,784 |
| Equity capital to assets | 13.4122% | 1,333 |
| Core capital (leverage) ratio | 13.1558% | 1,099 |
| Tier 1 risk-based capital ratio | 25.1687% | 891 |
| Total risk-based capital ratio | 26.4253% | 875 |
| Memoranda: | ||
| Average total assets | $1,002,901,670 | 672 |
| Average earning assets | $808,416,000 | 751 |
| Average equity | $125,493,000 | 556 |
| Average total loans | $575,535,670 | 753 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5137% | 1,261 |
| Cost of funding earning assets | 1.9501% | 205 |
| Net interest margin | 3.5637% | 4,753 |
| Noninterest income to average assets | 0.6210% | 3,035 |
| Noninterest expense to average assets | 2.9494% | 3,855 |
| Loan and lease loss provision to assets | 0.2727% | 2,972 |
| Net operating income to assets | 0.2374% | 5,652 |
| Return on assets (ROA) | 0.1601% | 5,965 |
| Pretax return on assets | 0.1796% | 5,988 |
| Return on Equity (ROE) | 1.3238% | 6,044 |
| Retained earnings to average equity (ytd only) | 1.3238% | 5,299 |
| Net charge-offs to loans | 0.2889% | 2,901 |
| Credit loss provision to net charge-offs | 166.6667% | 1,724 |
| Earnings coverage of net charge-offs (x) | 3.2952% | 2,784 |
| Efficiency ratio | 83.9419% | 1,962 |
| Assets per employee ($millions) | 3.5259% | 4,934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4189% | 4,569 |
| Loan loss allowance to noncurrent loans | 13.5240% | 6,953 |
| Noncurrent assets plus other real estate owned to assets | 8.8842% | 494 |
| Noncurrent loans to loans | 10.4914% | 366 |
| Net loans and leases to total assets | 56.5995% | 4,893 |
| Net loans and leases to deposits | 74.6711% | 3,655 |
| Net loans and leases to core deposits | 81.3479% | 3,548 |
| Total domestic deposits to total assets | 75.7984% | 6,697 |
| Equity capital to assets | 12.6750% | 1,533 |
| Core capital (leverage) ratio | 12.4894% | 1,328 |
| Tier 1 risk-based capital ratio | 23.4013% | 1,039 |
| Total risk-based capital ratio | 24.6567% | 1,024 |
| Memoranda: | ||
| Average total assets | $1,026,779,000 | 661 |
| Average earning assets | $826,226,000 | 734 |
| Average equity | $124,186,500 | 559 |
| Average total loans | $581,574,500 | 750 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5489% | 2,087 |
| Cost of funding earning assets | 2.4983% | 109 |
| Net interest margin | 3.0507% | 6,636 |
| Noninterest income to average assets | 2.1226% | 360 |
| Noninterest expense to average assets | 2.6667% | 5,141 |
| Loan and lease loss provision to assets | 0.5570% | 2,903 |
| Net operating income to assets | 0.9250% | 2,297 |
| Return on assets (ROA) | 0.8683% | 2,652 |
| Pretax return on assets | 1.2834% | 1,977 |
| Return on Equity (ROE) | 8.8722% | 2,354 |
| Retained earnings to average equity (ytd only) | 8.8722% | 741 |
| Net charge-offs to loans | 0.7732% | 2,703 |
| Credit loss provision to net charge-offs | 128.2416% | 3,129 |
| Earnings coverage of net charge-offs (x) | 4.4294% | 2,927 |
| Efficiency ratio | 57.6868% | 6,376 |
| Assets per employee ($millions) | 3.8788% | 4,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3786% | 4,619 |
| Loan loss allowance to noncurrent loans | 13.2590% | 7,031 |
| Noncurrent assets plus other real estate owned to assets | 9.5307% | 451 |
| Noncurrent loans to loans | 10.3973% | 390 |
| Net loans and leases to total assets | 55.1487% | 5,464 |
| Net loans and leases to deposits | 75.0925% | 4,003 |
| Net loans and leases to core deposits | 81.5024% | 3,976 |
| Total domestic deposits to total assets | 73.4410% | 6,955 |
| Equity capital to assets | 11.5538% | 2,216 |
| Core capital (leverage) ratio | 11.4454% | 1,865 |
| Tier 1 risk-based capital ratio | 24.3751% | 900 |
| Total risk-based capital ratio | 25.6321% | 886 |
| Memoranda: | ||
| Average total assets | $1,116,837,800 | 591 |
| Average earning assets | $903,544,600 | 666 |
| Average equity | $109,296,400 | 616 |
| Average total loans | $627,358,600 | 705 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4817% | 2,511 |
| Cost of funding earning assets | 2.5807% | 104 |
| Net interest margin | 2.9010% | 7,002 |
| Noninterest income to average assets | 2.5900% | 265 |
| Noninterest expense to average assets | 2.5302% | 5,603 |
| Loan and lease loss provision to assets | 0.6394% | 2,390 |
| Net operating income to assets | 1.1887% | 1,623 |
| Return on assets (ROA) | 1.1016% | 1,985 |
| Pretax return on assets | 1.6417% | 1,238 |
| Return on Equity (ROE) | 11.7555% | 1,569 |
| Retained earnings to average equity (ytd only) | 11.7555% | 488 |
| Net charge-offs to loans | 0.9712% | 2,053 |
| Credit loss provision to net charge-offs | 117.0842% | 3,546 |
| Earnings coverage of net charge-offs (x) | 4.4151% | 3,061 |
| Efficiency ratio | 50.8438% | 7,084 |
| Assets per employee ($millions) | 4.5700% | 2,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 5,236 |
| Loan loss allowance to noncurrent loans | 11.8143% | 7,148 |
| Noncurrent assets plus other real estate owned to assets | 8.7280% | 535 |
| Noncurrent loans to loans | 10.5759% | 378 |
| Net loans and leases to total assets | 50.6384% | 6,257 |
| Net loans and leases to deposits | 71.6074% | 4,890 |
| Net loans and leases to core deposits | 76.6609% | 4,971 |
| Total domestic deposits to total assets | 70.7167% | 7,236 |
| Equity capital to assets | 10.3615% | 3,688 |
| Core capital (leverage) ratio | 10.2132% | 3,030 |
| Tier 1 risk-based capital ratio | 20.2796% | 1,489 |
| Total risk-based capital ratio | 21.5296% | 1,463 |
| Memoranda: | ||
| Average total assets | $1,130,349,250 | 582 |
| Average earning assets | $916,206,500 | 651 |
| Average equity | $105,922,250 | 628 |
| Average total loans | $635,621,000 | 696 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3705% | 3,102 |
| Cost of funding earning assets | 2.5550% | 146 |
| Net interest margin | 2.8154% | 7,122 |
| Noninterest income to average assets | 3.7839% | 176 |
| Noninterest expense to average assets | 2.5849% | 5,380 |
| Loan and lease loss provision to assets | 0.7740% | 1,857 |
| Net operating income to assets | 1.7008% | 587 |
| Return on assets (ROA) | 1.5083% | 965 |
| Pretax return on assets | 2.4134% | 275 |
| Return on Equity (ROE) | 16.7260% | 606 |
| Retained earnings to average equity (ytd only) | 16.7260% | 169 |
| Net charge-offs to loans | 0.9491% | 1,938 |
| Credit loss provision to net charge-offs | 140.6148% | 2,845 |
| Earnings coverage of net charge-offs (x) | 6.3368% | 2,471 |
| Efficiency ratio | 42.2876% | 7,576 |
| Assets per employee ($millions) | 4.5116% | 2,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1954% | 5,481 |
| Loan loss allowance to noncurrent loans | 9.2227% | 7,272 |
| Noncurrent assets plus other real estate owned to assets | 11.9304% | 274 |
| Noncurrent loans to loans | 12.9617% | 232 |
| Net loans and leases to total assets | 58.1624% | 5,390 |
| Net loans and leases to deposits | 81.2967% | 3,388 |
| Net loans and leases to core deposits | 86.0098% | 3,835 |
| Total domestic deposits to total assets | 71.5434% | 7,220 |
| Equity capital to assets | 9.3772% | 4,890 |
| Core capital (leverage) ratio | 9.1029% | 4,456 |
| Tier 1 risk-based capital ratio | 19.7727% | 1,549 |
| Total risk-based capital ratio | 18.6384% | 2,097 |
| Memoranda: | ||
| Average total assets | $1,111,066,000 | 590 |
| Average earning assets | $903,387,670 | 662 |
| Average equity | $100,191,330 | 656 |
| Average total loans | $644,395,330 | 689 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3265% | 7,088 |
| Cost of funding earning assets | 2.3515% | 360 |
| Net interest margin | 1.9750% | 7,727 |
| Noninterest income to average assets | 6.8619% | 98 |
| Noninterest expense to average assets | 2.5054% | 5,707 |
| Loan and lease loss provision to assets | 1.0973% | 1,118 |
| Net operating income to assets | 3.0480% | 92 |
| Return on assets (ROA) | 2.6269% | 132 |
| Pretax return on assets | 4.2413% | 70 |
| Return on Equity (ROE) | 29.7521% | 91 |
| Retained earnings to average equity (ytd only) | 29.7521% | 69 |
| Net charge-offs to loans | 1.1435% | 1,469 |
| Credit loss provision to net charge-offs | 166.7593% | 2,175 |
| Earnings coverage of net charge-offs (x) | 9.1134% | 1,892 |
| Efficiency ratio | 29.3224% | 7,852 |
| Assets per employee ($millions) | 5.8687% | 1,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 5,668 |
| Loan loss allowance to noncurrent loans | 7.6785% | 7,363 |
| Noncurrent assets plus other real estate owned to assets | 11.8657% | 271 |
| Noncurrent loans to loans | 15.2164% | 172 |
| Net loans and leases to total assets | 54.5465% | 5,952 |
| Net loans and leases to deposits | 74.0091% | 4,739 |
| Net loans and leases to core deposits | 78.8324% | 4,916 |
| Total domestic deposits to total assets | 73.7024% | 7,084 |
| Equity capital to assets | 8.4545% | 6,066 |
| Core capital (leverage) ratio | 8.2716% | 5,795 |
| Tier 1 risk-based capital ratio | 16.5116% | 2,443 |
| Total risk-based capital ratio | 16.5251% | 2,932 |
| Memoranda: | ||
| Average total assets | $1,093,625,500 | 621 |
| Average earning assets | $908,171,500 | 675 |
| Average equity | $96,558,000 | 683 |
| Average total loans | $629,306,000 | 731 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0467% | 6,285 |
| Cost of funding earning assets | 2.8552% | 371 |
| Net interest margin | 2.1915% | 7,648 |
| Noninterest income to average assets | 1.0762% | 1,331 |
| Noninterest expense to average assets | 2.4582% | 6,281 |
| Loan and lease loss provision to assets | 0.5585% | 3,581 |
| Net operating income to assets | -0.0500% | 5,582 |
| Return on assets (ROA) | 0.3357% | 4,479 |
| Pretax return on assets | 0.4168% | 4,448 |
| Return on Equity (ROE) | 3.5111% | 4,286 |
| Retained earnings to average equity (ytd only) | 3.5111% | 2,716 |
| Net charge-offs to loans | 0.7281% | 3,011 |
| Credit loss provision to net charge-offs | 132.6260% | 3,777 |
| Earnings coverage of net charge-offs (x) | 1.1854% | 4,937 |
| Efficiency ratio | 82.6069% | 2,536 |
| Assets per employee ($millions) | 4.6457% | 2,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1933% | 5,411 |
| Loan loss allowance to noncurrent loans | 14.8871% | 7,267 |
| Noncurrent assets plus other real estate owned to assets | 6.6143% | 815 |
| Noncurrent loans to loans | 8.0157% | 623 |
| Net loans and leases to total assets | 59.9220% | 5,352 |
| Net loans and leases to deposits | 89.6096% | 2,279 |
| Net loans and leases to core deposits | 91.0704% | 5,004 |
| Total domestic deposits to total assets | 66.8700% | 7,610 |
| Equity capital to assets | 9.3235% | 4,673 |
| Core capital (leverage) ratio | 9.3806% | 3,857 |
| Tier 1 risk-based capital ratio | 14.7825% | 3,055 |
| Total risk-based capital ratio | 15.9175% | 3,076 |
| Memoranda: | ||
| Average total assets | $895,251,800 | 754 |
| Average earning assets | $768,460,400 | 807 |
| Average equity | $85,586,200 | 748 |
| Average total loans | $517,769,600 | 925 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0703% | 6,380 |
| Cost of funding earning assets | 2.9582% | 372 |
| Net interest margin | 2.1121% | 7,753 |
| Noninterest income to average assets | 0.9267% | 1,876 |
| Noninterest expense to average assets | 2.4725% | 6,169 |
| Loan and lease loss provision to assets | 0.6340% | 2,856 |
| Net operating income to assets | -0.3336% | 6,245 |
| Return on assets (ROA) | 0.2595% | 5,044 |
| Pretax return on assets | 0.2857% | 5,104 |
| Return on Equity (ROE) | 2.6964% | 4,917 |
| Retained earnings to average equity (ytd only) | 2.6964% | 3,820 |
| Net charge-offs to loans | 0.9178% | 2,135 |
| Credit loss provision to net charge-offs | 121.0026% | 4,195 |
| Earnings coverage of net charge-offs (x) | 0.5114% | 5,515 |
| Efficiency ratio | 89.6613% | 1,718 |
| Assets per employee ($millions) | 4.4678% | 2,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1289% | 5,543 |
| Loan loss allowance to noncurrent loans | 17.0192% | 7,238 |
| Noncurrent assets plus other real estate owned to assets | 5.6349% | 996 |
| Noncurrent loans to loans | 6.6333% | 859 |
| Net loans and leases to total assets | 59.3128% | 5,691 |
| Net loans and leases to deposits | 89.9145% | 2,600 |
| Net loans and leases to core deposits | 124.7914% | 1,834 |
| Total domestic deposits to total assets | 65.9658% | 7,686 |
| Equity capital to assets | 9.0470% | 5,419 |
| Core capital (leverage) ratio | 9.3026% | 4,187 |
| Tier 1 risk-based capital ratio | 14.6457% | 3,202 |
| Total risk-based capital ratio | 15.7033% | 3,246 |
| Memoranda: | ||
| Average total assets | $883,294,750 | 773 |
| Average earning assets | $758,540,250 | 823 |
| Average equity | $85,000,750 | 759 |
| Average total loans | $504,227,750 | 967 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9474% | 6,929 |
| Cost of funding earning assets | 2.9247% | 577 |
| Net interest margin | 2.0227% | 7,849 |
| Noninterest income to average assets | 0.6902% | 3,053 |
| Noninterest expense to average assets | 2.1409% | 7,192 |
| Loan and lease loss provision to assets | 0.6463% | 2,493 |
| Net operating income to assets | -0.3453% | 6,389 |
| Return on assets (ROA) | 0.2509% | 5,179 |
| Pretax return on assets | 0.2652% | 5,284 |
| Return on Equity (ROE) | 2.5524% | 5,076 |
| Retained earnings to average equity (ytd only) | 2.5524% | 3,907 |
| Net charge-offs to loans | 0.8736% | 1,946 |
| Credit loss provision to net charge-offs | 132.0132% | 3,539 |
| Earnings coverage of net charge-offs (x) | 0.5799% | 5,131 |
| Efficiency ratio | 87.6440% | 2,055 |
| Assets per employee ($millions) | 5.5517% | 1,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 5,341 |
| Loan loss allowance to noncurrent loans | 12.1234% | 7,454 |
| Noncurrent assets plus other real estate owned to assets | 6.5978% | 682 |
| Noncurrent loans to loans | 9.3859% | 402 |
| Net loans and leases to total assets | 55.4633% | 6,278 |
| Net loans and leases to deposits | 85.6396% | 3,613 |
| Net loans and leases to core deposits | 117.3964% | 2,601 |
| Total domestic deposits to total assets | 64.7636% | 7,800 |
| Equity capital to assets | 8.3947% | 6,204 |
| Core capital (leverage) ratio | 8.7614% | 4,990 |
| Tier 1 risk-based capital ratio | 15.9027% | 2,661 |
| Total risk-based capital ratio | 17.0504% | 2,632 |
| Memoranda: | ||
| Average total assets | $866,468,000 | 813 |
| Average earning assets | $743,053,330 | 860 |
| Average equity | $85,174,670 | 774 |
| Average total loans | $485,579,670 | 1,033 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1420% | 6,518 |
| Cost of funding earning assets | 3.0395% | 543 |
| Net interest margin | 2.1024% | 7,848 |
| Noninterest income to average assets | 0.8001% | 2,322 |
| Noninterest expense to average assets | 2.1980% | 6,871 |
| Loan and lease loss provision to assets | 1.0886% | 1,204 |
| Net operating income to assets | -0.5010% | 6,876 |
| Return on assets (ROA) | 0.2890% | 5,509 |
| Pretax return on assets | 0.3583% | 5,518 |
| Return on Equity (ROE) | 2.7001% | 5,493 |
| Retained earnings to average equity (ytd only) | 2.7001% | 4,383 |
| Net charge-offs to loans | 1.1972% | 1,160 |
| Credit loss provision to net charge-offs | 162.3616% | 2,619 |
| Earnings coverage of net charge-offs (x) | 0.7033% | 4,447 |
| Efficiency ratio | 81.7053% | 2,578 |
| Assets per employee ($millions) | 4.5956% | 2,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 3,441 |
| Loan loss allowance to noncurrent loans | 42.9095% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 2.5242% | 2,273 |
| Noncurrent loans to loans | 3.2891% | 1,945 |
| Net loans and leases to total assets | 56.2505% | 6,202 |
| Net loans and leases to deposits | 99.4029% | 1,489 |
| Net loans and leases to core deposits | 130.1272% | 1,650 |
| Total domestic deposits to total assets | 56.5884% | 8,036 |
| Equity capital to assets | 10.9092% | 3,059 |
| Core capital (leverage) ratio | 10.7784% | 2,673 |
| Tier 1 risk-based capital ratio | 16.5666% | 2,493 |
| Total risk-based capital ratio | 17.8014% | 2,425 |
| Memoranda: | ||
| Average total assets | $808,373,500 | 873 |
| Average earning assets | $718,793,000 | 892 |
| Average equity | $86,516,500 | 767 |
| Average total loans | $452,726,000 | 1,111 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6382% | 6,968 |
| Cost of funding earning assets | 3.3766% | 743 |
| Net interest margin | 2.2617% | 7,929 |
| Noninterest income to average assets | 0.8112% | 2,451 |
| Noninterest expense to average assets | 2.1378% | 7,142 |
| Loan and lease loss provision to assets | 0.4235% | 3,161 |
| Net operating income to assets | 0.2027% | 5,840 |
| Return on assets (ROA) | 1.0135% | 2,386 |
| Pretax return on assets | 1.4500% | 1,825 |
| Return on Equity (ROE) | 8.1780% | 2,992 |
| Retained earnings to average equity (ytd only) | 8.1780% | 791 |
| Net charge-offs to loans | 0.7109% | 1,740 |
| Credit loss provision to net charge-offs | 117.2257% | 4,596 |
| Earnings coverage of net charge-offs (x) | 1.9798% | 5,078 |
| Efficiency ratio | 74.3671% | 3,511 |
| Assets per employee ($millions) | 4.7232% | 2,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2453% | 4,193 |
| Loan loss allowance to noncurrent loans | 50.0940% | 5,490 |
| Noncurrent assets plus other real estate owned to assets | 1.6600% | 2,926 |
| Noncurrent loans to loans | 2.4859% | 2,196 |
| Net loans and leases to total assets | 54.2912% | 6,624 |
| Net loans and leases to deposits | 97.4469% | 2,208 |
| Net loans and leases to core deposits | 132.6452% | 1,678 |
| Total domestic deposits to total assets | 55.7137% | 8,063 |
| Equity capital to assets | 10.5003% | 3,504 |
| Core capital (leverage) ratio | 10.4469% | 3,024 |
| Tier 1 risk-based capital ratio | 16.8747% | 2,350 |
| Total risk-based capital ratio | 17.9763% | 2,344 |
| Memoranda: | ||
| Average total assets | $850,118,000 | 800 |
| Average earning assets | $767,490,600 | 807 |
| Average equity | $105,356,400 | 638 |
| Average total loans | $431,977,200 | 1,110 |