Home > Clifton Savings Bank > Performance and Condition Ratios
Clifton Savings Bank, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4394% | 4,966 |
| Cost of funding earning assets | 1.2712% | 96 |
| Net interest margin | 2.1683% | 5,511 |
| Noninterest income to average assets | 0.1040% | 5,313 |
| Noninterest expense to average assets | 1.3336% | 5,482 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5830% | 4,473 |
| Return on assets (ROA) | 0.5830% | 4,482 |
| Pretax return on assets | 0.7910% | 4,171 |
| Return on Equity (ROE) | 3.7786% | 4,826 |
| Retained earnings to average equity (ytd only) | 3.7786% | 3,682 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7691% | 3,668 |
| Assets per employee ($millions) | 15.7869% | 79 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6733% | 5,071 |
| Loan loss allowance to noncurrent loans | 131.2132% | 2,980 |
| Noncurrent assets plus other real estate owned to assets | 0.3788% | 3,314 |
| Noncurrent loans to loans | 0.5131% | 2,979 |
| Net loans and leases to total assets | 71.4191% | 2,267 |
| Net loans and leases to deposits | 122.1150% | 94 |
| Net loans and leases to core deposits | 131.5070% | 315 |
| Total domestic deposits to total assets | 58.4851% | 5,528 |
| Equity capital to assets | 15.8234% | 517 |
| Core capital (leverage) ratio | 15.7376% | 526 |
| Tier 1 risk-based capital ratio | 25.4413% | 724 |
| Total risk-based capital ratio | 26.2189% | 739 |
| Memoranda: | ||
| Average total assets | $1,661,607,500 | 493 |
| Average earning assets | $1,548,507,500 | 483 |
| Average equity | $256,394,000 | 380 |
| Average total loans | $1,187,964,000 | 483 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3614% | 4,994 |
| Cost of funding earning assets | 1.1289% | 111 |
| Net interest margin | 2.2324% | 5,526 |
| Noninterest income to average assets | 0.1225% | 5,334 |
| Noninterest expense to average assets | 1.4014% | 5,521 |
| Loan and lease loss provision to assets | 0.1621% | 1,381 |
| Net operating income to assets | 0.3382% | 4,855 |
| Return on assets (ROA) | 0.3634% | 4,819 |
| Pretax return on assets | 0.6798% | 4,559 |
| Return on Equity (ROE) | 2.1856% | 5,023 |
| Retained earnings to average equity (ytd only) | -1.0097% | 5,187 |
| Net charge-offs to loans | -0.0008% | 4,486 |
| Credit loss provision to net charge-offs | -27,122.2222% | 5,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5854% | 3,665 |
| Assets per employee ($millions) | 15.1417% | 91 |
| Cash dividends to net income (ytd only)* | 146.1988% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6778% | 5,107 |
| Loan loss allowance to noncurrent loans | 156.3413% | 2,723 |
| Noncurrent assets plus other real estate owned to assets | 0.3182% | 3,603 |
| Noncurrent loans to loans | 0.4335% | 3,231 |
| Net loans and leases to total assets | 70.6067% | 2,432 |
| Net loans and leases to deposits | 121.8687% | 91 |
| Net loans and leases to core deposits | 130.2126% | 334 |
| Total domestic deposits to total assets | 57.9367% | 5,598 |
| Equity capital to assets | 15.0394% | 668 |
| Core capital (leverage) ratio | 15.4064% | 554 |
| Tier 1 risk-based capital ratio | 24.9750% | 727 |
| Total risk-based capital ratio | 25.7750% | 748 |
| Memoranda: | ||
| Average total assets | $1,505,946,000 | 515 |
| Average earning assets | $1,404,067,200 | 504 |
| Average equity | $250,364,800 | 374 |
| Average total loans | $1,074,051,400 | 503 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3626% | 5,016 |
| Cost of funding earning assets | 1.0880% | 121 |
| Net interest margin | 2.2746% | 5,585 |
| Noninterest income to average assets | 0.1264% | 5,370 |
| Noninterest expense to average assets | 1.4639% | 5,543 |
| Loan and lease loss provision to assets | 0.1583% | 1,302 |
| Net operating income to assets | 0.4220% | 4,952 |
| Return on assets (ROA) | 0.4586% | 4,886 |
| Pretax return on assets | 0.6765% | 4,666 |
| Return on Equity (ROE) | 2.6860% | 5,180 |
| Retained earnings to average equity (ytd only) | -1.5749% | 5,401 |
| Net charge-offs to loans | 0.0008% | 3,773 |
| Credit loss provision to net charge-offs | 29,016.6667% | 12 |
| Earnings coverage of net charge-offs (x) | 1,431.1313% | 67 |
| Efficiency ratio | 65.2109% | 3,340 |
| Assets per employee ($millions) | 12.6023% | 157 |
| Cash dividends to net income (ytd only)* | 158.6358% | 96 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6368% | 5,259 |
| Loan loss allowance to noncurrent loans | 152.0383% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.3210% | 3,780 |
| Noncurrent loans to loans | 0.4189% | 3,447 |
| Net loans and leases to total assets | 73.5818% | 1,983 |
| Net loans and leases to deposits | 120.6070% | 92 |
| Net loans and leases to core deposits | 128.6844% | 363 |
| Total domestic deposits to total assets | 61.0095% | 5,648 |
| Equity capital to assets | 16.0388% | 539 |
| Core capital (leverage) ratio | 16.1716% | 469 |
| Tier 1 risk-based capital ratio | 27.3665% | 596 |
| Total risk-based capital ratio | 28.1713% | 615 |
| Memoranda: | ||
| Average total assets | $1,466,036,000 | 531 |
| Average earning assets | $1,365,347,250 | 516 |
| Average equity | $250,332,500 | 374 |
| Average total loans | $1,046,554,250 | 513 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3191% | 5,076 |
| Cost of funding earning assets | 1.0501% | 132 |
| Net interest margin | 2.2690% | 5,622 |
| Noninterest income to average assets | 0.1200% | 5,451 |
| Noninterest expense to average assets | 1.5072% | 5,560 |
| Loan and lease loss provision to assets | 0.1573% | 1,272 |
| Net operating income to assets | 0.3759% | 5,031 |
| Return on assets (ROA) | 0.3759% | 5,058 |
| Pretax return on assets | 0.5663% | 4,868 |
| Return on Equity (ROE) | 2.1546% | 5,321 |
| Retained earnings to average equity (ytd only) | 2.1546% | 4,390 |
| Net charge-offs to loans | 0.0012% | 3,484 |
| Credit loss provision to net charge-offs | 18,850.0000% | 10 |
| Earnings coverage of net charge-offs (x) | 867.1667% | 84 |
| Efficiency ratio | 67.5623% | 3,084 |
| Assets per employee ($millions) | 12.5667% | 150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6195% | 5,348 |
| Loan loss allowance to noncurrent loans | 153.1079% | 2,736 |
| Noncurrent assets plus other real estate owned to assets | 0.3428% | 3,746 |
| Noncurrent loans to loans | 0.4046% | 3,579 |
| Net loans and leases to total assets | 70.6905% | 2,414 |
| Net loans and leases to deposits | 115.8730% | 157 |
| Net loans and leases to core deposits | 123.4317% | 452 |
| Total domestic deposits to total assets | 61.0069% | 5,694 |
| Equity capital to assets | 16.6608% | 443 |
| Core capital (leverage) ratio | 17.2192% | 353 |
| Tier 1 risk-based capital ratio | 28.6440% | 520 |
| Total risk-based capital ratio | 29.4017% | 531 |
| Memoranda: | ||
| Average total assets | $1,438,021,330 | 542 |
| Average earning assets | $1,337,764,330 | 527 |
| Average equity | $250,905,000 | 371 |
| Average total loans | $1,012,777,000 | 538 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3194% | 5,072 |
| Cost of funding earning assets | 1.0287% | 145 |
| Net interest margin | 2.2907% | 5,666 |
| Noninterest income to average assets | 0.1217% | 5,505 |
| Noninterest expense to average assets | 1.5556% | 5,597 |
| Loan and lease loss provision to assets | 0.1549% | 1,176 |
| Net operating income to assets | 0.3617% | 5,044 |
| Return on assets (ROA) | 0.3617% | 5,065 |
| Pretax return on assets | 0.5387% | 4,872 |
| Return on Equity (ROE) | 2.0233% | 5,331 |
| Retained earnings to average equity (ytd only) | 2.0233% | 4,328 |
| Net charge-offs to loans | 0.0065% | 2,746 |
| Credit loss provision to net charge-offs | 3,381.2500% | 96 |
| Earnings coverage of net charge-offs (x) | 151.3750% | 360 |
| Efficiency ratio | 69.1622% | 3,012 |
| Assets per employee ($millions) | 11.6019% | 188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6015% | 5,474 |
| Loan loss allowance to noncurrent loans | 143.8001% | 2,899 |
| Noncurrent assets plus other real estate owned to assets | 0.3462% | 3,814 |
| Noncurrent loans to loans | 0.4183% | 3,592 |
| Net loans and leases to total assets | 70.6362% | 2,276 |
| Net loans and leases to deposits | 113.8690% | 149 |
| Net loans and leases to core deposits | 120.2897% | 458 |
| Total domestic deposits to total assets | 62.0328% | 5,759 |
| Equity capital to assets | 17.5980% | 331 |
| Core capital (leverage) ratio | 18.0207% | 284 |
| Tier 1 risk-based capital ratio | 30.6577% | 459 |
| Total risk-based capital ratio | 31.4026% | 475 |
| Memoranda: | ||
| Average total assets | $1,396,746,500 | 555 |
| Average earning assets | $1,297,231,500 | 553 |
| Average equity | $249,687,500 | 371 |
| Average total loans | $978,366,000 | 556 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3086% | 5,144 |
| Cost of funding earning assets | 0.9781% | 197 |
| Net interest margin | 2.3305% | 5,694 |
| Noninterest income to average assets | 0.1454% | 5,469 |
| Noninterest expense to average assets | 1.6353% | 5,620 |
| Loan and lease loss provision to assets | 0.1689% | 1,446 |
| Net operating income to assets | 0.3424% | 5,102 |
| Return on assets (ROA) | 0.3424% | 5,183 |
| Pretax return on assets | 0.4942% | 5,034 |
| Return on Equity (ROE) | 1.7756% | 5,443 |
| Retained earnings to average equity (ytd only) | 1.7756% | 4,515 |
| Net charge-offs to loans | 0.0388% | 3,252 |
| Credit loss provision to net charge-offs | 666.7702% | 517 |
| Earnings coverage of net charge-offs (x) | 26.1739% | 1,557 |
| Efficiency ratio | 71.1469% | 2,716 |
| Assets per employee ($millions) | 10.6754% | 248 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5914% | 5,549 |
| Loan loss allowance to noncurrent loans | 159.5136% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.3092% | 4,035 |
| Noncurrent loans to loans | 0.3708% | 3,793 |
| Net loans and leases to total assets | 68.5754% | 2,691 |
| Net loans and leases to deposits | 110.0476% | 226 |
| Net loans and leases to core deposits | 115.5207% | 637 |
| Total domestic deposits to total assets | 62.3143% | 5,803 |
| Equity capital to assets | 18.1671% | 293 |
| Core capital (leverage) ratio | 18.4465% | 256 |
| Tier 1 risk-based capital ratio | 32.8699% | 378 |
| Total risk-based capital ratio | 33.6079% | 393 |
| Memoranda: | ||
| Average total assets | $1,270,825,600 | 582 |
| Average earning assets | $1,174,107,800 | 576 |
| Average equity | $245,050,600 | 368 |
| Average total loans | $830,013,400 | 615 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3154% | 5,191 |
| Cost of funding earning assets | 0.9620% | 211 |
| Net interest margin | 2.3534% | 5,746 |
| Noninterest income to average assets | 0.1469% | 5,524 |
| Noninterest expense to average assets | 1.6576% | 5,636 |
| Loan and lease loss provision to assets | 0.1854% | 1,177 |
| Net operating income to assets | 0.3335% | 5,205 |
| Return on assets (ROA) | 0.3335% | 5,283 |
| Pretax return on assets | 0.4753% | 5,181 |
| Return on Equity (ROE) | 1.7026% | 5,525 |
| Retained earnings to average equity (ytd only) | 1.7026% | 4,826 |
| Net charge-offs to loans | 0.0472% | 2,700 |
| Credit loss provision to net charge-offs | 610.5634% | 607 |
| Earnings coverage of net charge-offs (x) | 21.7569% | 1,803 |
| Efficiency ratio | 71.5004% | 2,651 |
| Assets per employee ($millions) | 11.4628% | 195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5863% | 5,627 |
| Loan loss allowance to noncurrent loans | 182.9697% | 2,400 |
| Noncurrent assets plus other real estate owned to assets | 0.2896% | 4,268 |
| Noncurrent loans to loans | 0.3204% | 4,105 |
| Net loans and leases to total assets | 67.4748% | 2,880 |
| Net loans and leases to deposits | 107.4229% | 329 |
| Net loans and leases to core deposits | 112.4781% | 785 |
| Total domestic deposits to total assets | 62.8123% | 5,860 |
| Equity capital to assets | 18.8073% | 282 |
| Core capital (leverage) ratio | 18.8634% | 239 |
| Tier 1 risk-based capital ratio | 34.4248% | 347 |
| Total risk-based capital ratio | 35.1531% | 355 |
| Memoranda: | ||
| Average total assets | $1,246,918,000 | 589 |
| Average earning assets | $1,150,483,250 | 587 |
| Average equity | $244,252,000 | 369 |
| Average total loans | $801,859,750 | 626 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3009% | 5,285 |
| Cost of funding earning assets | 0.9443% | 227 |
| Net interest margin | 2.3566% | 5,831 |
| Noninterest income to average assets | 0.1418% | 5,603 |
| Noninterest expense to average assets | 1.6807% | 5,702 |
| Loan and lease loss provision to assets | 0.2005% | 1,066 |
| Net operating income to assets | 0.3024% | 5,318 |
| Return on assets (ROA) | 0.3024% | 5,403 |
| Pretax return on assets | 0.4324% | 5,276 |
| Return on Equity (ROE) | 1.5221% | 5,604 |
| Retained earnings to average equity (ytd only) | 1.5221% | 4,771 |
| Net charge-offs to loans | 0.0530% | 2,445 |
| Credit loss provision to net charge-offs | 600.0000% | 561 |
| Earnings coverage of net charge-offs (x) | 18.9415% | 1,799 |
| Efficiency ratio | 72.6434% | 2,571 |
| Assets per employee ($millions) | 10.8480% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5742% | 5,713 |
| Loan loss allowance to noncurrent loans | 150.0629% | 2,867 |
| Noncurrent assets plus other real estate owned to assets | 0.2773% | 4,383 |
| Noncurrent loans to loans | 0.3827% | 3,991 |
| Net loans and leases to total assets | 64.5888% | 3,283 |
| Net loans and leases to deposits | 106.4326% | 353 |
| Net loans and leases to core deposits | 111.5031% | 845 |
| Total domestic deposits to total assets | 60.6852% | 5,967 |
| Equity capital to assets | 19.0364% | 262 |
| Core capital (leverage) ratio | 19.3979% | 214 |
| Tier 1 risk-based capital ratio | 34.4102% | 348 |
| Total risk-based capital ratio | 35.0844% | 360 |
| Memoranda: | ||
| Average total assets | $1,226,970,000 | 600 |
| Average earning assets | $1,130,776,000 | 593 |
| Average equity | $243,747,000 | 368 |
| Average total loans | $773,501,330 | 647 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2871% | 5,340 |
| Cost of funding earning assets | 0.9322% | 248 |
| Net interest margin | 2.3549% | 5,898 |
| Noninterest income to average assets | 0.1433% | 5,625 |
| Noninterest expense to average assets | 1.6618% | 5,781 |
| Loan and lease loss provision to assets | 0.2343% | 778 |
| Net operating income to assets | 0.2932% | 5,326 |
| Return on assets (ROA) | 0.2932% | 5,404 |
| Pretax return on assets | 0.4182% | 5,267 |
| Return on Equity (ROE) | 1.4439% | 5,627 |
| Retained earnings to average equity (ytd only) | 1.4439% | 4,690 |
| Net charge-offs to loans | 0.0500% | 2,043 |
| Credit loss provision to net charge-offs | 755.9140% | 447 |
| Earnings coverage of net charge-offs (x) | 21.0538% | 1,441 |
| Efficiency ratio | 71.8071% | 2,827 |
| Assets per employee ($millions) | 10.8116% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5556% | 5,812 |
| Loan loss allowance to noncurrent loans | 117.4885% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.3031% | 4,359 |
| Noncurrent loans to loans | 0.4729% | 3,761 |
| Net loans and leases to total assets | 62.7674% | 3,418 |
| Net loans and leases to deposits | 103.5525% | 434 |
| Net loans and leases to core deposits | 108.2416% | 961 |
| Total domestic deposits to total assets | 60.6141% | 6,031 |
| Equity capital to assets | 19.4476% | 238 |
| Core capital (leverage) ratio | 20.1772% | 190 |
| Tier 1 risk-based capital ratio | 36.5699% | 297 |
| Total risk-based capital ratio | 37.2296% | 304 |
| Memoranda: | ||
| Average total assets | $1,200,420,500 | 611 |
| Average earning assets | $1,106,623,500 | 604 |
| Average equity | $243,781,000 | 367 |
| Average total loans | $744,474,000 | 667 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2662% | 5,403 |
| Cost of funding earning assets | 0.8797% | 315 |
| Net interest margin | 2.3865% | 5,896 |
| Noninterest income to average assets | 0.2281% | 5,231 |
| Noninterest expense to average assets | 1.5443% | 5,954 |
| Loan and lease loss provision to assets | 0.0404% | 3,529 |
| Net operating income to assets | 0.5793% | 4,384 |
| Return on assets (ROA) | 0.6986% | 3,924 |
| Pretax return on assets | 1.0193% | 3,383 |
| Return on Equity (ROE) | 3.2602% | 5,210 |
| Retained earnings to average equity (ytd only) | 3.2602% | 3,733 |
| Net charge-offs to loans | 0.0131% | 4,035 |
| Credit loss provision to net charge-offs | 531.0345% | 618 |
| Earnings coverage of net charge-offs (x) | 116.5517% | 516 |
| Efficiency ratio | 63.5212% | 4,363 |
| Assets per employee ($millions) | 10.8178% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5325% | 5,895 |
| Loan loss allowance to noncurrent loans | 83.8926% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 4,048 |
| Noncurrent loans to loans | 0.6348% | 3,283 |
| Net loans and leases to total assets | 60.5119% | 3,760 |
| Net loans and leases to deposits | 93.6297% | 1,236 |
| Net loans and leases to core deposits | 97.7220% | 1,693 |
| Total domestic deposits to total assets | 64.6289% | 6,039 |
| Equity capital to assets | 21.2321% | 169 |
| Core capital (leverage) ratio | 21.4403% | 145 |
| Tier 1 risk-based capital ratio | 43.4393% | 188 |
| Total risk-based capital ratio | 44.1006% | 191 |
| Memoranda: | ||
| Average total assets | $1,143,368,200 | 615 |
| Average earning assets | $1,055,487,000 | 612 |
| Average equity | $244,988,600 | 353 |
| Average total loans | $664,100,000 | 710 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2643% | 5,477 |
| Cost of funding earning assets | 0.8695% | 345 |
| Net interest margin | 2.3948% | 5,979 |
| Noninterest income to average assets | 0.2501% | 5,147 |
| Noninterest expense to average assets | 1.5141% | 6,036 |
| Loan and lease loss provision to assets | 0.0319% | 3,600 |
| Net operating income to assets | 0.6240% | 4,267 |
| Return on assets (ROA) | 0.7811% | 3,606 |
| Pretax return on assets | 1.1465% | 3,033 |
| Return on Equity (ROE) | 3.6372% | 5,164 |
| Retained earnings to average equity (ytd only) | 3.6372% | 3,879 |
| Net charge-offs to loans | 0.0047% | 4,010 |
| Credit loss provision to net charge-offs | 1,186.9565% | 322 |
| Earnings coverage of net charge-offs (x) | 352.0398% | 211 |
| Efficiency ratio | 61.5151% | 4,643 |
| Assets per employee ($millions) | 11.4180% | 175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5323% | 5,986 |
| Loan loss allowance to noncurrent loans | 82.4238% | 4,106 |
| Noncurrent assets plus other real estate owned to assets | 0.3852% | 4,221 |
| Noncurrent loans to loans | 0.6458% | 3,385 |
| Net loans and leases to total assets | 59.3267% | 3,962 |
| Net loans and leases to deposits | 89.5673% | 1,705 |
| Net loans and leases to core deposits | 93.2835% | 2,149 |
| Total domestic deposits to total assets | 66.2371% | 6,085 |
| Equity capital to assets | 21.2923% | 181 |
| Core capital (leverage) ratio | 21.2607% | 165 |
| Tier 1 risk-based capital ratio | 44.0545% | 196 |
| Total risk-based capital ratio | 44.7098% | 201 |
| Memoranda: | ||
| Average total assets | $1,139,833,500 | 623 |
| Average earning assets | $1,052,484,500 | 615 |
| Average equity | $244,795,000 | 362 |
| Average total loans | $654,080,250 | 721 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2535% | 5,526 |
| Cost of funding earning assets | 0.8637% | 344 |
| Net interest margin | 2.3897% | 6,048 |
| Noninterest income to average assets | 0.2921% | 4,874 |
| Noninterest expense to average assets | 1.5021% | 6,110 |
| Loan and lease loss provision to assets | 0.0304% | 3,518 |
| Net operating income to assets | 0.6597% | 4,075 |
| Return on assets (ROA) | 0.8991% | 3,002 |
| Pretax return on assets | 1.3104% | 2,321 |
| Return on Equity (ROE) | 4.1744% | 4,952 |
| Retained earnings to average equity (ytd only) | 4.1744% | 3,372 |
| Net charge-offs to loans | 0.0071% | 3,651 |
| Credit loss provision to net charge-offs | 752.1739% | 452 |
| Earnings coverage of net charge-offs (x) | 246.1304% | 284 |
| Efficiency ratio | 60.1815% | 4,948 |
| Assets per employee ($millions) | 11.2397% | 180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5354% | 6,058 |
| Loan loss allowance to noncurrent loans | 65.0970% | 4,618 |
| Noncurrent assets plus other real estate owned to assets | 0.4770% | 4,025 |
| Noncurrent loans to loans | 0.8224% | 3,068 |
| Net loans and leases to total assets | 57.6905% | 4,145 |
| Net loans and leases to deposits | 85.9691% | 2,057 |
| Net loans and leases to core deposits | 89.3148% | 2,413 |
| Total domestic deposits to total assets | 67.1060% | 6,142 |
| Equity capital to assets | 21.8425% | 161 |
| Core capital (leverage) ratio | 21.9202% | 135 |
| Tier 1 risk-based capital ratio | 45.4222% | 190 |
| Total risk-based capital ratio | 46.0664% | 196 |
| Memoranda: | ||
| Average total assets | $1,139,179,000 | 622 |
| Average earning assets | $1,050,572,330 | 615 |
| Average equity | $245,355,000 | 363 |
| Average total loans | $645,101,670 | 727 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2171% | 5,622 |
| Cost of funding earning assets | 0.8671% | 348 |
| Net interest margin | 2.3500% | 6,129 |
| Noninterest income to average assets | 0.4262% | 3,793 |
| Noninterest expense to average assets | 1.4848% | 6,186 |
| Loan and lease loss provision to assets | 0.0351% | 3,203 |
| Net operating income to assets | 0.7488% | 3,546 |
| Return on assets (ROA) | 1.2159% | 1,597 |
| Pretax return on assets | 1.7407% | 964 |
| Return on Equity (ROE) | 5.6856% | 4,193 |
| Retained earnings to average equity (ytd only) | 5.6856% | 2,670 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.2587% | 5,417 |
| Assets per employee ($millions) | 11.4613% | 172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5391% | 6,134 |
| Loan loss allowance to noncurrent loans | 60.8795% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 0.5031% | 4,012 |
| Noncurrent loans to loans | 0.8855% | 3,030 |
| Net loans and leases to total assets | 56.5059% | 4,149 |
| Net loans and leases to deposits | 84.0381% | 2,067 |
| Net loans and leases to core deposits | 87.5549% | 2,369 |
| Total domestic deposits to total assets | 67.2384% | 6,219 |
| Equity capital to assets | 21.6763% | 160 |
| Core capital (leverage) ratio | 21.5402% | 147 |
| Tier 1 risk-based capital ratio | 45.3258% | 189 |
| Total risk-based capital ratio | 45.9648% | 197 |
| Memoranda: | ||
| Average total assets | $1,141,166,000 | 617 |
| Average earning assets | $1,052,256,000 | 610 |
| Average equity | $244,054,000 | 361 |
| Average total loans | $638,437,500 | 730 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3420% | 5,633 |
| Cost of funding earning assets | 0.9215% | 342 |
| Net interest margin | 2.4206% | 6,213 |
| Noninterest income to average assets | 0.1268% | 6,058 |
| Noninterest expense to average assets | 1.3924% | 6,357 |
| Loan and lease loss provision to assets | 0.0624% | 3,267 |
| Net operating income to assets | 0.5588% | 4,564 |
| Return on assets (ROA) | 0.5646% | 4,624 |
| Pretax return on assets | 0.8548% | 4,051 |
| Return on Equity (ROE) | 3.1019% | 5,439 |
| Retained earnings to average equity (ytd only) | 3.1019% | 4,032 |
| Net charge-offs to loans | 0.0667% | 3,530 |
| Credit loss provision to net charge-offs | 180.2469% | 1,349 |
| Earnings coverage of net charge-offs (x) | 26.2272% | 1,471 |
| Efficiency ratio | 60.5145% | 5,145 |
| Assets per employee ($millions) | 11.5926% | 158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5338% | 6,219 |
| Loan loss allowance to noncurrent loans | 84.5018% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 0.3480% | 4,663 |
| Noncurrent loans to loans | 0.6317% | 3,792 |
| Net loans and leases to total assets | 54.7957% | 4,475 |
| Net loans and leases to deposits | 81.0317% | 2,597 |
| Net loans and leases to core deposits | 84.3623% | 2,856 |
| Total domestic deposits to total assets | 67.6225% | 6,282 |
| Equity capital to assets | 21.0997% | 187 |
| Core capital (leverage) ratio | 21.0908% | 168 |
| Tier 1 risk-based capital ratio | 46.7174% | 156 |
| Total risk-based capital ratio | 47.3691% | 161 |
| Memoranda: | ||
| Average total assets | $1,169,147,400 | 578 |
| Average earning assets | $1,050,075,200 | 584 |
| Average equity | $212,807,400 | 385 |
| Average total loans | $606,922,400 | 724 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3341% | 5,698 |
| Cost of funding earning assets | 0.9283% | 347 |
| Net interest margin | 2.4058% | 6,293 |
| Noninterest income to average assets | 0.1232% | 6,148 |
| Noninterest expense to average assets | 1.4054% | 6,404 |
| Loan and lease loss provision to assets | 0.0627% | 3,100 |
| Net operating income to assets | 0.5261% | 4,773 |
| Return on assets (ROA) | 0.5338% | 4,817 |
| Pretax return on assets | 0.8126% | 4,322 |
| Return on Equity (ROE) | 3.0511% | 5,521 |
| Retained earnings to average equity (ytd only) | 3.0511% | 4,447 |
| Net charge-offs to loans | 0.0781% | 3,086 |
| Credit loss provision to net charge-offs | 156.8182% | 1,527 |
| Earnings coverage of net charge-offs (x) | 21.6137% | 1,665 |
| Efficiency ratio | 61.9372% | 4,890 |
| Assets per employee ($millions) | 11.9639% | 141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5240% | 6,309 |
| Loan loss allowance to noncurrent loans | 72.0781% | 4,426 |
| Noncurrent assets plus other real estate owned to assets | 0.3885% | 4,763 |
| Noncurrent loans to loans | 0.7269% | 3,783 |
| Net loans and leases to total assets | 53.1688% | 4,675 |
| Net loans and leases to deposits | 78.1111% | 2,939 |
| Net loans and leases to core deposits | 81.4532% | 3,154 |
| Total domestic deposits to total assets | 68.0682% | 6,349 |
| Equity capital to assets | 20.6126% | 207 |
| Core capital (leverage) ratio | 20.6072% | 194 |
| Tier 1 risk-based capital ratio | 47.8145% | 148 |
| Total risk-based capital ratio | 48.4646% | 152 |
| Memoranda: | ||
| Average total assets | $1,174,517,750 | 574 |
| Average earning assets | $1,047,625,250 | 583 |
| Average equity | $205,470,750 | 390 |
| Average total loans | $600,591,250 | 731 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3228% | 5,763 |
| Cost of funding earning assets | 0.9251% | 371 |
| Net interest margin | 2.3977% | 6,364 |
| Noninterest income to average assets | 0.1216% | 6,192 |
| Noninterest expense to average assets | 1.3631% | 6,496 |
| Loan and lease loss provision to assets | 0.0426% | 3,464 |
| Net operating income to assets | 0.5517% | 4,595 |
| Return on assets (ROA) | 0.5517% | 4,695 |
| Pretax return on assets | 0.8430% | 4,112 |
| Return on Equity (ROE) | 3.3497% | 5,403 |
| Retained earnings to average equity (ytd only) | 3.3497% | 4,068 |
| Net charge-offs to loans | 0.0593% | 3,125 |
| Credit loss provision to net charge-offs | 142.6136% | 1,509 |
| Earnings coverage of net charge-offs (x) | 29.6648% | 1,264 |
| Efficiency ratio | 60.6200% | 5,206 |
| Assets per employee ($millions) | 11.8624% | 140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5089% | 6,401 |
| Loan loss allowance to noncurrent loans | 57.1194% | 4,911 |
| Noncurrent assets plus other real estate owned to assets | 0.4764% | 4,575 |
| Noncurrent loans to loans | 0.8909% | 3,472 |
| Net loans and leases to total assets | 52.0233% | 4,744 |
| Net loans and leases to deposits | 78.0793% | 2,793 |
| Net loans and leases to core deposits | 81.5653% | 3,023 |
| Total domestic deposits to total assets | 66.6289% | 6,463 |
| Equity capital to assets | 20.8878% | 178 |
| Core capital (leverage) ratio | 20.8843% | 170 |
| Tier 1 risk-based capital ratio | 47.8263% | 146 |
| Total risk-based capital ratio | 48.4359% | 148 |
| Memoranda: | ||
| Average total assets | $1,179,190,330 | 568 |
| Average earning assets | $1,046,107,330 | 582 |
| Average equity | $194,224,670 | 407 |
| Average total loans | $594,030,330 | 730 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3677% | 5,714 |
| Cost of funding earning assets | 0.9291% | 389 |
| Net interest margin | 2.4386% | 6,387 |
| Noninterest income to average assets | 0.1181% | 6,256 |
| Noninterest expense to average assets | 1.3673% | 6,578 |
| Loan and lease loss provision to assets | 0.0383% | 3,302 |
| Net operating income to assets | 0.5498% | 4,460 |
| Return on assets (ROA) | 0.5498% | 4,531 |
| Pretax return on assets | 0.8406% | 3,939 |
| Return on Equity (ROE) | 3.8509% | 5,114 |
| Retained earnings to average equity (ytd only) | 3.8509% | 3,817 |
| Net charge-offs to loans | 0.0630% | 2,530 |
| Credit loss provision to net charge-offs | 122.8261% | 1,436 |
| Earnings coverage of net charge-offs (x) | 28.2174% | 1,089 |
| Efficiency ratio | 60.8742% | 5,279 |
| Assets per employee ($millions) | 13.1780% | 109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5227% | 6,482 |
| Loan loss allowance to noncurrent loans | 59.8402% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 0.4057% | 4,926 |
| Noncurrent loans to loans | 0.8734% | 3,707 |
| Net loans and leases to total assets | 46.2028% | 5,313 |
| Net loans and leases to deposits | 61.9203% | 4,556 |
| Net loans and leases to core deposits | 64.1850% | 4,677 |
| Total domestic deposits to total assets | 74.6166% | 6,192 |
| Equity capital to assets | 13.4187% | 1,130 |
| Core capital (leverage) ratio | 13.4143% | 999 |
| Tier 1 risk-based capital ratio | 35.0322% | 350 |
| Total risk-based capital ratio | 35.6663% | 360 |
| Memoranda: | ||
| Average total assets | $1,181,597,000 | 575 |
| Average earning assets | $1,031,093,000 | 595 |
| Average equity | $168,686,000 | 458 |
| Average total loans | $584,008,000 | 747 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4175% | 5,805 |
| Cost of funding earning assets | 1.0515% | 354 |
| Net interest margin | 2.3661% | 6,474 |
| Noninterest income to average assets | 0.1325% | 6,270 |
| Noninterest expense to average assets | 1.3498% | 6,657 |
| Loan and lease loss provision to assets | 0.0650% | 3,831 |
| Net operating income to assets | 0.6017% | 4,251 |
| Return on assets (ROA) | 0.6367% | 4,193 |
| Pretax return on assets | 0.9726% | 3,460 |
| Return on Equity (ROE) | 4.0175% | 5,101 |
| Retained earnings to average equity (ytd only) | 4.0175% | 3,333 |
| Net charge-offs to loans | 0.0222% | 4,986 |
| Credit loss provision to net charge-offs | 604.4248% | 387 |
| Earnings coverage of net charge-offs (x) | 91.5221% | 496 |
| Efficiency ratio | 57.8428% | 5,756 |
| Assets per employee ($millions) | 11.0920% | 171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5255% | 6,553 |
| Loan loss allowance to noncurrent loans | 66.8713% | 4,592 |
| Noncurrent assets plus other real estate owned to assets | 0.4154% | 5,004 |
| Noncurrent loans to loans | 0.7858% | 4,008 |
| Net loans and leases to total assets | 52.5804% | 4,778 |
| Net loans and leases to deposits | 72.2228% | 3,494 |
| Net loans and leases to core deposits | 75.0304% | 3,730 |
| Total domestic deposits to total assets | 72.8031% | 6,371 |
| Equity capital to assets | 15.2639% | 630 |
| Core capital (leverage) ratio | 15.2729% | 571 |
| Tier 1 risk-based capital ratio | 35.1472% | 322 |
| Total risk-based capital ratio | 35.7866% | 341 |
| Memoranda: | ||
| Average total assets | $1,051,298,600 | 627 |
| Average earning assets | $977,958,000 | 614 |
| Average equity | $166,620,000 | 449 |
| Average total loans | $508,613,000 | 837 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4262% | 5,828 |
| Cost of funding earning assets | 1.0691% | 358 |
| Net interest margin | 2.3570% | 6,551 |
| Noninterest income to average assets | 0.1281% | 6,378 |
| Noninterest expense to average assets | 1.3609% | 6,712 |
| Loan and lease loss provision to assets | 0.0713% | 3,640 |
| Net operating income to assets | 0.5770% | 4,439 |
| Return on assets (ROA) | 0.6242% | 4,370 |
| Pretax return on assets | 0.9559% | 3,665 |
| Return on Equity (ROE) | 3.9004% | 5,262 |
| Retained earnings to average equity (ytd only) | 3.9004% | 3,909 |
| Net charge-offs to loans | 0.0234% | 4,667 |
| Credit loss provision to net charge-offs | 646.5116% | 443 |
| Earnings coverage of net charge-offs (x) | 86.5494% | 552 |
| Efficiency ratio | 58.7737% | 5,590 |
| Assets per employee ($millions) | 10.5042% | 200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5292% | 6,632 |
| Loan loss allowance to noncurrent loans | 62.1838% | 4,727 |
| Noncurrent assets plus other real estate owned to assets | 0.4759% | 5,006 |
| Noncurrent loans to loans | 0.8511% | 4,123 |
| Net loans and leases to total assets | 51.2461% | 4,976 |
| Net loans and leases to deposits | 68.0731% | 4,053 |
| Net loans and leases to core deposits | 70.6051% | 4,253 |
| Total domestic deposits to total assets | 75.2810% | 6,250 |
| Equity capital to assets | 15.2735% | 668 |
| Core capital (leverage) ratio | 15.2858% | 593 |
| Tier 1 risk-based capital ratio | 35.6579% | 323 |
| Total risk-based capital ratio | 36.2942% | 327 |
| Memoranda: | ||
| Average total assets | $1,039,597,000 | 636 |
| Average earning assets | $964,743,250 | 622 |
| Average equity | $166,371,500 | 453 |
| Average total loans | $490,656,750 | 869 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4758% | 5,740 |
| Cost of funding earning assets | 1.0900% | 352 |
| Net interest margin | 2.3858% | 6,563 |
| Noninterest income to average assets | 0.1293% | 6,407 |
| Noninterest expense to average assets | 1.3906% | 6,739 |
| Loan and lease loss provision to assets | 0.0390% | 4,171 |
| Net operating income to assets | 0.5886% | 4,352 |
| Return on assets (ROA) | 0.6604% | 4,164 |
| Pretax return on assets | 1.0145% | 3,441 |
| Return on Equity (ROE) | 4.0613% | 5,195 |
| Retained earnings to average equity (ytd only) | 4.0613% | 3,712 |
| Net charge-offs to loans | 0.0171% | 4,501 |
| Credit loss provision to net charge-offs | 500.0000% | 543 |
| Earnings coverage of net charge-offs (x) | 120.9000% | 400 |
| Efficiency ratio | 59.5855% | 5,529 |
| Assets per employee ($millions) | 10.2207% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5335% | 6,677 |
| Loan loss allowance to noncurrent loans | 45.6668% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 0.5741% | 4,811 |
| Noncurrent loans to loans | 1.1682% | 3,601 |
| Net loans and leases to total assets | 47.2133% | 5,404 |
| Net loans and leases to deposits | 60.8284% | 4,884 |
| Net loans and leases to core deposits | 63.1961% | 4,977 |
| Total domestic deposits to total assets | 77.6172% | 6,047 |
| Equity capital to assets | 16.1617% | 507 |
| Core capital (leverage) ratio | 16.1807% | 443 |
| Tier 1 risk-based capital ratio | 38.6219% | 256 |
| Total risk-based capital ratio | 39.2265% | 263 |
| Memoranda: | ||
| Average total assets | $1,025,484,330 | 645 |
| Average earning assets | $947,523,330 | 632 |
| Average equity | $166,745,670 | 456 |
| Average total loans | $468,409,000 | 906 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5182% | 5,663 |
| Cost of funding earning assets | 1.1052% | 366 |
| Net interest margin | 2.4130% | 6,584 |
| Noninterest income to average assets | 0.1310% | 6,439 |
| Noninterest expense to average assets | 1.4050% | 6,816 |
| Loan and lease loss provision to assets | 0.0079% | 4,349 |
| Net operating income to assets | 0.6207% | 4,115 |
| Return on assets (ROA) | 0.6207% | 4,276 |
| Pretax return on assets | 0.9475% | 3,578 |
| Return on Equity (ROE) | 3.8053% | 5,192 |
| Retained earnings to average equity (ytd only) | 3.8053% | 3,953 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5234% | 5,655 |
| Assets per employee ($millions) | 10.6855% | 186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5443% | 6,757 |
| Loan loss allowance to noncurrent loans | 42.4016% | 5,497 |
| Noncurrent assets plus other real estate owned to assets | 0.6020% | 4,884 |
| Noncurrent loans to loans | 1.2837% | 3,634 |
| Net loans and leases to total assets | 45.0006% | 5,544 |
| Net loans and leases to deposits | 58.3013% | 4,998 |
| Net loans and leases to core deposits | 60.5212% | 5,091 |
| Total domestic deposits to total assets | 77.1862% | 6,229 |
| Equity capital to assets | 16.4171% | 500 |
| Core capital (leverage) ratio | 16.4063% | 412 |
| Tier 1 risk-based capital ratio | 39.9174% | 237 |
| Total risk-based capital ratio | 40.5168% | 241 |
| Memoranda: | ||
| Average total assets | $1,016,971,000 | 655 |
| Average earning assets | $939,581,500 | 643 |
| Average equity | $165,874,500 | 462 |
| Average total loans | $455,191,500 | 932 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7233% | 6,009 |
| Cost of funding earning assets | 1.3412% | 316 |
| Net interest margin | 2.3820% | 6,793 |
| Noninterest income to average assets | 0.1098% | 6,467 |
| Noninterest expense to average assets | 1.3030% | 6,951 |
| Loan and lease loss provision to assets | 0.0805% | 4,696 |
| Net operating income to assets | 0.6362% | 4,058 |
| Return on assets (ROA) | 0.6764% | 4,122 |
| Pretax return on assets | 1.0196% | 3,474 |
| Return on Equity (ROE) | 4.4419% | 4,960 |
| Retained earnings to average equity (ytd only) | 4.4419% | 3,113 |
| Net charge-offs to loans | 0.0855% | 4,825 |
| Credit loss provision to net charge-offs | 222.7154% | 1,127 |
| Earnings coverage of net charge-offs (x) | 28.7624% | 1,035 |
| Efficiency ratio | 55.6361% | 6,097 |
| Assets per employee ($millions) | 10.3961% | 207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5498% | 6,808 |
| Loan loss allowance to noncurrent loans | 47.4732% | 5,255 |
| Noncurrent assets plus other real estate owned to assets | 0.5339% | 5,142 |
| Noncurrent loans to loans | 1.1581% | 3,917 |
| Net loans and leases to total assets | 44.0305% | 5,815 |
| Net loans and leases to deposits | 56.7688% | 5,364 |
| Net loans and leases to core deposits | 58.8371% | 5,470 |
| Total domestic deposits to total assets | 77.5612% | 6,152 |
| Equity capital to assets | 16.2046% | 519 |
| Core capital (leverage) ratio | 16.1663% | 433 |
| Tier 1 risk-based capital ratio | 39.8914% | 238 |
| Total risk-based capital ratio | 40.4922% | 245 |
| Memoranda: | ||
| Average total assets | $1,060,270,400 | 622 |
| Average earning assets | $993,565,800 | 590 |
| Average equity | $161,462,200 | 464 |
| Average total loans | $447,848,400 | 924 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7549% | 6,118 |
| Cost of funding earning assets | 1.3832% | 313 |
| Net interest margin | 2.3717% | 6,910 |
| Noninterest income to average assets | 0.1078% | 6,593 |
| Noninterest expense to average assets | 1.3075% | 7,039 |
| Loan and lease loss provision to assets | 0.0502% | 5,134 |
| Net operating income to assets | 0.6463% | 4,162 |
| Return on assets (ROA) | 0.6994% | 4,167 |
| Pretax return on assets | 1.0641% | 3,483 |
| Return on Equity (ROE) | 4.6637% | 4,976 |
| Retained earnings to average equity (ytd only) | 4.6637% | 3,614 |
| Net charge-offs to loans | 0.0337% | 5,176 |
| Credit loss provision to net charge-offs | 356.6372% | 753 |
| Earnings coverage of net charge-offs (x) | 73.4705% | 568 |
| Efficiency ratio | 55.8428% | 6,075 |
| Assets per employee ($millions) | 10.5201% | 202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5032% | 6,951 |
| Loan loss allowance to noncurrent loans | 54.9713% | 4,890 |
| Noncurrent assets plus other real estate owned to assets | 0.4357% | 5,585 |
| Noncurrent loans to loans | 0.9153% | 4,604 |
| Net loans and leases to total assets | 44.1145% | 5,961 |
| Net loans and leases to deposits | 56.8716% | 5,548 |
| Net loans and leases to core deposits | 58.9611% | 5,666 |
| Total domestic deposits to total assets | 77.5687% | 6,150 |
| Equity capital to assets | 15.8345% | 637 |
| Core capital (leverage) ratio | 15.8172% | 500 |
| Tier 1 risk-based capital ratio | 39.3045% | 256 |
| Total risk-based capital ratio | 39.8589% | 266 |
| Memoranda: | ||
| Average total assets | $1,070,633,500 | 615 |
| Average earning assets | $1,008,254,000 | 589 |
| Average equity | $160,554,000 | 462 |
| Average total loans | $447,042,750 | 931 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8016% | 6,138 |
| Cost of funding earning assets | 1.4327% | 310 |
| Net interest margin | 2.3689% | 6,978 |
| Noninterest income to average assets | 0.1054% | 6,648 |
| Noninterest expense to average assets | 1.2398% | 7,129 |
| Loan and lease loss provision to assets | 0.0389% | 5,188 |
| Net operating income to assets | 0.7036% | 3,850 |
| Return on assets (ROA) | 0.7036% | 4,114 |
| Pretax return on assets | 1.0636% | 3,448 |
| Return on Equity (ROE) | 4.7765% | 4,920 |
| Retained earnings to average equity (ytd only) | 4.7765% | 3,429 |
| Net charge-offs to loans | 0.0140% | 5,241 |
| Credit loss provision to net charge-offs | 680.6452% | 467 |
| Earnings coverage of net charge-offs (x) | 192.7419% | 233 |
| Efficiency ratio | 52.9305% | 6,428 |
| Assets per employee ($millions) | 10.9904% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4844% | 7,033 |
| Loan loss allowance to noncurrent loans | 52.3172% | 4,984 |
| Noncurrent assets plus other real estate owned to assets | 0.4543% | 5,650 |
| Noncurrent loans to loans | 0.9258% | 4,654 |
| Net loans and leases to total assets | 42.6472% | 6,135 |
| Net loans and leases to deposits | 55.4886% | 5,707 |
| Net loans and leases to core deposits | 57.4999% | 5,812 |
| Total domestic deposits to total assets | 76.8576% | 6,347 |
| Equity capital to assets | 15.3143% | 715 |
| Core capital (leverage) ratio | 15.2638% | 550 |
| Tier 1 risk-based capital ratio | 38.3016% | 270 |
| Total risk-based capital ratio | 38.8224% | 278 |
| Memoranda: | ||
| Average total assets | $1,083,856,000 | 607 |
| Average earning assets | $1,023,522,000 | 580 |
| Average equity | $159,656,000 | 461 |
| Average total loans | $443,688,330 | 940 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8189% | 6,206 |
| Cost of funding earning assets | 1.4794% | 319 |
| Net interest margin | 2.3394% | 7,048 |
| Noninterest income to average assets | 0.1038% | 6,722 |
| Noninterest expense to average assets | 1.2088% | 7,208 |
| Loan and lease loss provision to assets | 0.0404% | 4,881 |
| Net operating income to assets | 0.7146% | 3,811 |
| Return on assets (ROA) | 0.7146% | 4,030 |
| Pretax return on assets | 1.0610% | 3,465 |
| Return on Equity (ROE) | 4.9453% | 4,812 |
| Retained earnings to average equity (ytd only) | 4.9453% | 3,587 |
| Net charge-offs to loans | 0.0282% | 4,294 |
| Credit loss provision to net charge-offs | 358.0645% | 860 |
| Earnings coverage of net charge-offs (x) | 97.5484% | 352 |
| Efficiency ratio | 52.3254% | 6,507 |
| Assets per employee ($millions) | 11.2424% | 173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4767% | 7,082 |
| Loan loss allowance to noncurrent loans | 55.3789% | 4,773 |
| Noncurrent assets plus other real estate owned to assets | 0.4142% | 5,824 |
| Noncurrent loans to loans | 0.8608% | 4,949 |
| Net loans and leases to total assets | 40.0118% | 6,350 |
| Net loans and leases to deposits | 51.8396% | 5,986 |
| Net loans and leases to core deposits | 53.5523% | 6,090 |
| Total domestic deposits to total assets | 77.1840% | 6,376 |
| Equity capital to assets | 14.6352% | 824 |
| Core capital (leverage) ratio | 14.5784% | 677 |
| Tier 1 risk-based capital ratio | 37.8160% | 274 |
| Total risk-based capital ratio | 38.3132% | 282 |
| Memoranda: | ||
| Average total assets | $1,098,246,000 | 603 |
| Average earning assets | $1,035,799,500 | 572 |
| Average equity | $158,695,500 | 462 |
| Average total loans | $439,457,500 | 945 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0195% | 6,419 |
| Cost of funding earning assets | 1.6267% | 427 |
| Net interest margin | 2.3928% | 7,107 |
| Noninterest income to average assets | 0.0871% | 6,690 |
| Noninterest expense to average assets | 1.1739% | 7,273 |
| Loan and lease loss provision to assets | -0.0011% | 7,201 |
| Net operating income to assets | 0.7363% | 3,312 |
| Return on assets (ROA) | 0.7861% | 3,266 |
| Pretax return on assets | 1.2266% | 2,363 |
| Return on Equity (ROE) | 5.4793% | 4,145 |
| Retained earnings to average equity (ytd only) | -3.2358% | 6,302 |
| Net charge-offs to loans | -0.0321% | 7,009 |
| Credit loss provision to net charge-offs | 8.4507% | 6,022 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5655% | 6,798 |
| Assets per employee ($millions) | 11.0598% | 178 |
| Cash dividends to net income (ytd only)* | 159.0548% | 130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4563% | 7,130 |
| Loan loss allowance to noncurrent loans | 63.3270% | 4,335 |
| Noncurrent assets plus other real estate owned to assets | 0.3619% | 6,073 |
| Noncurrent loans to loans | 0.7206% | 5,258 |
| Net loans and leases to total assets | 39.6464% | 6,562 |
| Net loans and leases to deposits | 51.6971% | 6,240 |
| Net loans and leases to core deposits | 53.3423% | 6,350 |
| Total domestic deposits to total assets | 76.6898% | 6,380 |
| Equity capital to assets | 14.2672% | 980 |
| Core capital (leverage) ratio | 14.2013% | 774 |
| Tier 1 risk-based capital ratio | 38.5340% | 259 |
| Total risk-based capital ratio | 39.0280% | 268 |
| Memoranda: | ||
| Average total assets | $1,119,675,800 | 585 |
| Average earning assets | $1,045,599,600 | 557 |
| Average equity | $160,640,800 | 440 |
| Average total loans | $442,101,800 | 943 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0650% | 6,482 |
| Cost of funding earning assets | 1.6471% | 483 |
| Net interest margin | 2.4178% | 7,170 |
| Noninterest income to average assets | 0.0947% | 6,774 |
| Noninterest expense to average assets | 1.2130% | 7,339 |
| Loan and lease loss provision to assets | -0.0104% | 7,301 |
| Net operating income to assets | 0.7290% | 3,467 |
| Return on assets (ROA) | 0.7953% | 3,352 |
| Pretax return on assets | 1.2482% | 2,457 |
| Return on Equity (ROE) | 5.5356% | 4,261 |
| Retained earnings to average equity (ytd only) | 0.5776% | 5,784 |
| Net charge-offs to loans | -0.0446% | 7,033 |
| Credit loss provision to net charge-offs | 59.4595% | 4,821 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6791% | 6,711 |
| Assets per employee ($millions) | 11.0963% | 182 |
| Cash dividends to net income (ytd only)* | 89.5656% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4393% | 7,203 |
| Loan loss allowance to noncurrent loans | 63.2128% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 0.3417% | 6,211 |
| Noncurrent loans to loans | 0.6950% | 5,496 |
| Net loans and leases to total assets | 39.2300% | 6,694 |
| Net loans and leases to deposits | 51.4670% | 6,411 |
| Net loans and leases to core deposits | 53.1019% | 6,503 |
| Total domestic deposits to total assets | 76.2235% | 6,505 |
| Equity capital to assets | 14.5829% | 963 |
| Core capital (leverage) ratio | 14.5111% | 770 |
| Tier 1 risk-based capital ratio | 40.8362% | 233 |
| Total risk-based capital ratio | 41.3243% | 243 |
| Memoranda: | ||
| Average total assets | $1,123,099,250 | 591 |
| Average earning assets | $1,046,311,000 | 566 |
| Average equity | $161,352,750 | 449 |
| Average total loans | $442,504,250 | 954 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1230% | 6,436 |
| Cost of funding earning assets | 1.6634% | 546 |
| Net interest margin | 2.4596% | 7,209 |
| Noninterest income to average assets | 0.0918% | 6,866 |
| Noninterest expense to average assets | 1.2668% | 7,404 |
| Loan and lease loss provision to assets | -0.0157% | 7,374 |
| Net operating income to assets | 0.7157% | 3,467 |
| Return on assets (ROA) | 0.8150% | 3,136 |
| Pretax return on assets | 1.2866% | 2,177 |
| Return on Equity (ROE) | 5.7015% | 4,115 |
| Retained earnings to average equity (ytd only) | -1.7677% | 6,211 |
| Net charge-offs to loans | -0.0668% | 7,087 |
| Credit loss provision to net charge-offs | 59.4595% | 4,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.1705% | 6,699 |
| Assets per employee ($millions) | 11.4260% | 165 |
| Cash dividends to net income (ytd only)* | 131.0044% | 250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4413% | 7,264 |
| Loan loss allowance to noncurrent loans | 65.0570% | 4,180 |
| Noncurrent assets plus other real estate owned to assets | 0.3308% | 6,298 |
| Noncurrent loans to loans | 0.6783% | 5,547 |
| Net loans and leases to total assets | 38.6951% | 6,825 |
| Net loans and leases to deposits | 51.1179% | 6,525 |
| Net loans and leases to core deposits | 52.6177% | 6,630 |
| Total domestic deposits to total assets | 75.6977% | 6,645 |
| Equity capital to assets | 14.2296% | 1,021 |
| Core capital (leverage) ratio | 14.1655% | 833 |
| Tier 1 risk-based capital ratio | 41.8032% | 217 |
| Total risk-based capital ratio | 42.3102% | 224 |
| Memoranda: | ||
| Average total assets | $1,123,890,670 | 598 |
| Average earning assets | $1,046,770,000 | 575 |
| Average equity | $160,659,000 | 451 |
| Average total loans | $442,805,670 | 973 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1945% | 6,291 |
| Cost of funding earning assets | 1.6960% | 559 |
| Net interest margin | 2.4985% | 7,199 |
| Noninterest income to average assets | 0.0803% | 6,995 |
| Noninterest expense to average assets | 1.2904% | 7,464 |
| Loan and lease loss provision to assets | -0.0528% | 7,471 |
| Net operating income to assets | 0.7277% | 3,393 |
| Return on assets (ROA) | 0.9269% | 2,514 |
| Pretax return on assets | 1.4832% | 1,495 |
| Return on Equity (ROE) | 6.4695% | 3,642 |
| Retained earnings to average equity (ytd only) | -8.4831% | 6,781 |
| Net charge-offs to loans | -0.1332% | 7,165 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5566% | 6,734 |
| Assets per employee ($millions) | 11.1901% | 183 |
| Cash dividends to net income (ytd only)* | 231.1248% | 154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4242% | 7,334 |
| Loan loss allowance to noncurrent loans | 58.5487% | 4,494 |
| Noncurrent assets plus other real estate owned to assets | 0.3670% | 6,289 |
| Noncurrent loans to loans | 0.7246% | 5,560 |
| Net loans and leases to total assets | 39.4336% | 6,816 |
| Net loans and leases to deposits | 51.6914% | 6,499 |
| Net loans and leases to core deposits | 53.1534% | 6,612 |
| Total domestic deposits to total assets | 76.2864% | 6,624 |
| Equity capital to assets | 14.1709% | 953 |
| Core capital (leverage) ratio | 14.1167% | 828 |
| Tier 1 risk-based capital ratio | 41.3657% | 217 |
| Total risk-based capital ratio | 41.8587% | 222 |
| Memoranda: | ||
| Average total assets | $1,120,250,000 | 603 |
| Average earning assets | $1,044,316,500 | 579 |
| Average equity | $160,508,000 | 445 |
| Average total loans | $444,384,500 | 981 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4245% | 6,568 |
| Cost of funding earning assets | 1.9818% | 646 |
| Net interest margin | 2.4427% | 7,303 |
| Noninterest income to average assets | 0.1009% | 6,891 |
| Noninterest expense to average assets | 1.1492% | 7,558 |
| Loan and lease loss provision to assets | 0.0228% | 6,897 |
| Net operating income to assets | 0.7845% | 2,873 |
| Return on assets (ROA) | 0.7845% | 2,994 |
| Pretax return on assets | 1.2074% | 2,206 |
| Return on Equity (ROE) | 5.4407% | 3,872 |
| Retained earnings to average equity (ytd only) | 4.3670% | 2,789 |
| Net charge-offs to loans | 0.0896% | 5,948 |
| Credit loss provision to net charge-offs | 59.5238% | 6,090 |
| Earnings coverage of net charge-offs (x) | 32.1595% | 693 |
| Efficiency ratio | 48.2986% | 7,250 |
| Assets per employee ($millions) | 10.8883% | 203 |
| Cash dividends to net income (ytd only)* | 19.7353% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4219% | 7,410 |
| Loan loss allowance to noncurrent loans | 70.0447% | 3,924 |
| Noncurrent assets plus other real estate owned to assets | 0.3237% | 6,438 |
| Noncurrent loans to loans | 0.6023% | 5,835 |
| Net loans and leases to total assets | 39.5673% | 6,989 |
| Net loans and leases to deposits | 52.7605% | 6,689 |
| Net loans and leases to core deposits | 54.2798% | 6,798 |
| Total domestic deposits to total assets | 74.9942% | 6,772 |
| Equity capital to assets | 14.4845% | 906 |
| Core capital (leverage) ratio | 14.3781% | 771 |
| Tier 1 risk-based capital ratio | 42.1314% | 208 |
| Total risk-based capital ratio | 42.6239% | 218 |
| Memoranda: | ||
| Average total assets | $1,097,986,600 | 607 |
| Average earning assets | $1,024,169,400 | 586 |
| Average equity | $158,323,800 | 433 |
| Average total loans | $468,989,800 | 961 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4830% | 6,645 |
| Cost of funding earning assets | 2.0243% | 700 |
| Net interest margin | 2.4586% | 7,397 |
| Noninterest income to average assets | 0.1477% | 6,804 |
| Noninterest expense to average assets | 1.1676% | 7,669 |
| Loan and lease loss provision to assets | 0.0195% | 6,855 |
| Net operating income to assets | 0.8040% | 2,985 |
| Return on assets (ROA) | 0.8040% | 3,137 |
| Pretax return on assets | 1.2483% | 2,341 |
| Return on Equity (ROE) | 5.5826% | 4,011 |
| Retained earnings to average equity (ytd only) | 4.1416% | 3,558 |
| Net charge-offs to loans | 0.0449% | 6,089 |
| Credit loss provision to net charge-offs | 100.0000% | 4,307 |
| Earnings coverage of net charge-offs (x) | 64.9056% | 463 |
| Efficiency ratio | 47.9423% | 7,274 |
| Assets per employee ($millions) | 10.9948% | 210 |
| Cash dividends to net income (ytd only)* | 25.8123% | 2,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4442% | 7,498 |
| Loan loss allowance to noncurrent loans | 81.1881% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 0.3251% | 6,566 |
| Noncurrent loans to loans | 0.5472% | 6,108 |
| Net loans and leases to total assets | 40.5674% | 7,043 |
| Net loans and leases to deposits | 55.2709% | 6,667 |
| Net loans and leases to core deposits | 56.7281% | 6,815 |
| Total domestic deposits to total assets | 73.3973% | 6,998 |
| Equity capital to assets | 14.1451% | 1,123 |
| Core capital (leverage) ratio | 14.0280% | 914 |
| Tier 1 risk-based capital ratio | 40.8336% | 233 |
| Total risk-based capital ratio | 41.3620% | 238 |
| Memoranda: | ||
| Average total assets | $1,092,110,500 | 608 |
| Average earning assets | $1,016,206,000 | 586 |
| Average equity | $157,294,250 | 430 |
| Average total loans | $474,831,250 | 953 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5556% | 6,576 |
| Cost of funding earning assets | 2.0484% | 774 |
| Net interest margin | 2.5071% | 7,416 |
| Noninterest income to average assets | 0.1064% | 7,067 |
| Noninterest expense to average assets | 1.1755% | 7,741 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 0.8121% | 2,915 |
| Return on assets (ROA) | 0.8121% | 3,064 |
| Pretax return on assets | 1.2638% | 2,208 |
| Return on Equity (ROE) | 5.6036% | 3,992 |
| Retained earnings to average equity (ytd only) | 3.4287% | 3,928 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1909% | 7,341 |
| Assets per employee ($millions) | 10.5780% | 217 |
| Cash dividends to net income (ytd only)* | 38.8128% | 2,136 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4332% | 7,575 |
| Loan loss allowance to noncurrent loans | 79.8909% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.2310% | 6,818 |
| Noncurrent loans to loans | 0.5423% | 6,166 |
| Net loans and leases to total assets | 42.4195% | 7,013 |
| Net loans and leases to deposits | 57.5356% | 6,611 |
| Net loans and leases to core deposits | 58.9002% | 6,772 |
| Total domestic deposits to total assets | 73.7275% | 7,006 |
| Equity capital to assets | 14.2393% | 1,091 |
| Core capital (leverage) ratio | 14.0926% | 908 |
| Tier 1 risk-based capital ratio | 40.3435% | 240 |
| Total risk-based capital ratio | 40.8737% | 249 |
| Memoranda: | ||
| Average total assets | $1,078,658,670 | 612 |
| Average earning assets | $1,003,689,670 | 595 |
| Average equity | $156,329,330 | 434 |
| Average total loans | $479,287,670 | 955 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6101% | 6,533 |
| Cost of funding earning assets | 2.0951% | 826 |
| Net interest margin | 2.5150% | 7,462 |
| Noninterest income to average assets | 0.1065% | 7,167 |
| Noninterest expense to average assets | 1.1729% | 7,837 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.8240% | 2,867 |
| Return on assets (ROA) | 0.8240% | 2,960 |
| Pretax return on assets | 1.2828% | 2,098 |
| Return on Equity (ROE) | 5.6339% | 4,042 |
| Retained earnings to average equity (ytd only) | 1.2586% | 5,311 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.7621% | 7,458 |
| Assets per employee ($millions) | 10.2258% | 250 |
| Cash dividends to net income (ytd only)* | 77.6610% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4277% | 7,672 |
| Loan loss allowance to noncurrent loans | 83.2656% | 3,289 |
| Noncurrent assets plus other real estate owned to assets | 0.2315% | 6,878 |
| Noncurrent loans to loans | 0.5137% | 6,264 |
| Net loans and leases to total assets | 44.8760% | 6,910 |
| Net loans and leases to deposits | 61.8040% | 6,297 |
| Net loans and leases to core deposits | 63.0474% | 6,522 |
| Total domestic deposits to total assets | 72.6101% | 7,204 |
| Equity capital to assets | 14.6462% | 968 |
| Core capital (leverage) ratio | 14.5188% | 850 |
| Tier 1 risk-based capital ratio | 40.9102% | 239 |
| Total risk-based capital ratio | 41.4549% | 243 |
| Memoranda: | ||
| Average total assets | $1,062,642,000 | 638 |
| Average earning assets | $992,606,000 | 615 |
| Average equity | $155,416,500 | 442 |
| Average total loans | $482,331,500 | 976 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8531% | 6,833 |
| Cost of funding earning assets | 2.6890% | 611 |
| Net interest margin | 2.1642% | 7,667 |
| Noninterest income to average assets | 0.1246% | 7,127 |
| Noninterest expense to average assets | 1.2990% | 7,876 |
| Loan and lease loss provision to assets | 0.0586% | 6,979 |
| Net operating income to assets | 0.5250% | 3,629 |
| Return on assets (ROA) | 0.5250% | 3,716 |
| Pretax return on assets | 0.7667% | 3,357 |
| Return on Equity (ROE) | 3.4306% | 4,315 |
| Retained earnings to average equity (ytd only) | 3.4306% | 2,767 |
| Net charge-offs to loans | 0.0174% | 6,975 |
| Credit loss provision to net charge-offs | 696.3855% | 420 |
| Earnings coverage of net charge-offs (x) | 98.1566% | 282 |
| Efficiency ratio | 61.1493% | 6,309 |
| Assets per employee ($millions) | 11.0604% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4224% | 7,744 |
| Loan loss allowance to noncurrent loans | 107.6681% | 2,620 |
| Noncurrent assets plus other real estate owned to assets | 0.1793% | 7,023 |
| Noncurrent loans to loans | 0.3923% | 6,495 |
| Net loans and leases to total assets | 45.5184% | 7,022 |
| Net loans and leases to deposits | 63.5798% | 6,322 |
| Net loans and leases to core deposits | 83.1952% | 5,801 |
| Total domestic deposits to total assets | 71.5926% | 7,280 |
| Equity capital to assets | 14.6047% | 997 |
| Core capital (leverage) ratio | 14.4774% | 886 |
| Tier 1 risk-based capital ratio | 40.4666% | 244 |
| Total risk-based capital ratio | 41.0078% | 250 |
| Memoranda: | ||
| Average total assets | $987,163,000 | 678 |
| Average earning assets | $912,135,000 | 664 |
| Average equity | $151,081,200 | 451 |
| Average total loans | $476,489,400 | 1,008 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9248% | 6,825 |
| Cost of funding earning assets | 2.8342% | 550 |
| Net interest margin | 2.0907% | 7,774 |
| Noninterest income to average assets | 0.1273% | 7,248 |
| Noninterest expense to average assets | 1.3462% | 7,941 |
| Loan and lease loss provision to assets | 0.0796% | 6,572 |
| Net operating income to assets | 0.4393% | 4,234 |
| Return on assets (ROA) | 0.4393% | 4,340 |
| Pretax return on assets | 0.6273% | 4,096 |
| Return on Equity (ROE) | 2.8348% | 4,863 |
| Retained earnings to average equity (ytd only) | 2.8348% | 3,748 |
| Net charge-offs to loans | 0.0233% | 6,564 |
| Credit loss provision to net charge-offs | 696.3855% | 536 |
| Earnings coverage of net charge-offs (x) | 61.8697% | 529 |
| Efficiency ratio | 65.5693% | 5,446 |
| Assets per employee ($millions) | 10.0777% | 263 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4187% | 7,805 |
| Loan loss allowance to noncurrent loans | 76.6929% | 3,560 |
| Noncurrent assets plus other real estate owned to assets | 0.2652% | 6,841 |
| Noncurrent loans to loans | 0.5460% | 6,221 |
| Net loans and leases to total assets | 48.3776% | 6,921 |
| Net loans and leases to deposits | 69.7403% | 5,949 |
| Net loans and leases to core deposits | 89.3283% | 5,502 |
| Total domestic deposits to total assets | 69.3683% | 7,462 |
| Equity capital to assets | 15.1717% | 957 |
| Core capital (leverage) ratio | 15.0184% | 855 |
| Tier 1 risk-based capital ratio | 40.6946% | 276 |
| Total risk-based capital ratio | 41.2478% | 278 |
| Memoranda: | ||
| Average total assets | $968,504,000 | 705 |
| Average earning assets | $892,135,500 | 693 |
| Average equity | $150,083,250 | 461 |
| Average total loans | $474,270,750 | 1,032 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0014% | 6,766 |
| Cost of funding earning assets | 2.9500% | 542 |
| Net interest margin | 2.0515% | 7,833 |
| Noninterest income to average assets | 0.1285% | 7,321 |
| Noninterest expense to average assets | 1.3977% | 8,007 |
| Loan and lease loss provision to assets | 0.0513% | 6,713 |
| Net operating income to assets | 0.3946% | 4,535 |
| Return on assets (ROA) | 0.3946% | 4,641 |
| Pretax return on assets | 0.5522% | 4,461 |
| Return on Equity (ROE) | 2.5277% | 5,089 |
| Retained earnings to average equity (ytd only) | 2.5277% | 3,926 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8431% | 4,813 |
| Assets per employee ($millions) | 10.2313% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3827% | 7,916 |
| Loan loss allowance to noncurrent loans | 125.9622% | 2,339 |
| Noncurrent assets plus other real estate owned to assets | 0.1440% | 7,205 |
| Noncurrent loans to loans | 0.3038% | 6,755 |
| Net loans and leases to total assets | 47.2142% | 7,104 |
| Net loans and leases to deposits | 68.2629% | 6,158 |
| Net loans and leases to core deposits | 86.8121% | 5,827 |
| Total domestic deposits to total assets | 69.1653% | 7,539 |
| Equity capital to assets | 15.1750% | 991 |
| Core capital (leverage) ratio | 15.0570% | 909 |
| Tier 1 risk-based capital ratio | 40.5385% | 297 |
| Total risk-based capital ratio | 41.0282% | 302 |
| Memoranda: | ||
| Average total assets | $955,414,670 | 730 |
| Average earning assets | $872,148,330 | 722 |
| Average equity | $149,145,670 | 469 |
| Average total loans | $469,165,670 | 1,062 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0828% | 6,699 |
| Cost of funding earning assets | 2.9832% | 626 |
| Net interest margin | 2.0996% | 7,851 |
| Noninterest income to average assets | 0.1306% | 7,357 |
| Noninterest expense to average assets | 1.3581% | 8,055 |
| Loan and lease loss provision to assets | 0.0619% | 6,179 |
| Net operating income to assets | 0.4530% | 4,641 |
| Return on assets (ROA) | 0.4530% | 4,812 |
| Pretax return on assets | 0.6494% | 4,592 |
| Return on Equity (ROE) | 2.8595% | 5,419 |
| Retained earnings to average equity (ytd only) | 2.8595% | 4,279 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6282% | 5,400 |
| Assets per employee ($millions) | 10.1005% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3618% | 7,988 |
| Loan loss allowance to noncurrent loans | 195.4023% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.0916% | 7,314 |
| Noncurrent loans to loans | 0.1851% | 7,001 |
| Net loans and leases to total assets | 49.3145% | 6,921 |
| Net loans and leases to deposits | 72.7311% | 5,650 |
| Net loans and leases to core deposits | 90.4901% | 5,511 |
| Total domestic deposits to total assets | 67.8038% | 7,607 |
| Equity capital to assets | 15.7487% | 921 |
| Core capital (leverage) ratio | 15.6092% | 841 |
| Tier 1 risk-based capital ratio | 41.5602% | 289 |
| Total risk-based capital ratio | 42.0384% | 301 |
| Memoranda: | ||
| Average total assets | $936,905,000 | 750 |
| Average earning assets | $865,114,000 | 733 |
| Average equity | $148,417,500 | 474 |
| Average total loans | $468,563,500 | 1,073 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1604% | 7,715 |
| Cost of funding earning assets | 3.1696% | 1,286 |
| Net interest margin | 1.9908% | 8,067 |
| Noninterest income to average assets | 0.1388% | 7,409 |
| Noninterest expense to average assets | 1.2619% | 8,138 |
| Loan and lease loss provision to assets | 0.0130% | 7,207 |
| Net operating income to assets | 0.5126% | 4,672 |
| Return on assets (ROA) | 0.5126% | 4,525 |
| Pretax return on assets | 0.7343% | 4,290 |
| Return on Equity (ROE) | 3.1237% | 5,185 |
| Retained earnings to average equity (ytd only) | -2.3366% | 5,965 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8071% | 5,818 |
| Assets per employee ($millions) | 10.1579% | 251 |
| Cash dividends to net income (ytd only)* | 174.8021% | 375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3328% | 8,059 |
| Loan loss allowance to noncurrent loans | 350.2252% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.0480% | 7,390 |
| Noncurrent loans to loans | 0.0950% | 7,132 |
| Net loans and leases to total assets | 50.3760% | 6,992 |
| Net loans and leases to deposits | 75.2434% | 5,696 |
| Net loans and leases to core deposits | 92.9236% | 5,554 |
| Total domestic deposits to total assets | 66.9507% | 7,581 |
| Equity capital to assets | 15.9363% | 949 |
| Core capital (leverage) ratio | 15.8502% | 854 |
| Tier 1 risk-based capital ratio | 41.1006% | 313 |
| Total risk-based capital ratio | 41.5379% | 326 |
| Memoranda: | ||
| Average total assets | $887,204,400 | 760 |
| Average earning assets | $833,579,600 | 724 |
| Average equity | $145,597,200 | 477 |
| Average total loans | $445,573,800 | 1,078 |