Home > Collegiate Peaks Bank > Performance and Condition Ratios
Collegiate Peaks Bank, Performance and Condition Ratios
| 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 | 4.7083% | 1,178 |
| Cost of funding earning assets | 0.2645% | 4,441 |
| Net interest margin | 4.4438% | 693 |
| Noninterest income to average assets | 0.1381% | 5,260 |
| Noninterest expense to average assets | 2.2784% | 4,393 |
| Loan and lease loss provision to assets | 0.0580% | 3,072 |
| Net operating income to assets | 1.2945% | 1,233 |
| Return on assets (ROA) | 1.2945% | 1,252 |
| Pretax return on assets | 2.0010% | 490 |
| Return on Equity (ROE) | 11.7838% | 1,270 |
| Retained earnings to average equity (ytd only) | 11.7838% | 189 |
| Net charge-offs to loans | -0.0021% | 4,536 |
| Credit loss provision to net charge-offs | -4,142.8571% | 5,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5279% | 5,072 |
| Assets per employee ($millions) | 6.5797% | 1,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 2,651 |
| Loan loss allowance to noncurrent loans | 619.6481% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.1280% | 4,486 |
| Noncurrent loans to loans | 0.1973% | 4,125 |
| Net loans and leases to total assets | 64.0690% | 3,358 |
| Net loans and leases to deposits | 73.5826% | 3,549 |
| Net loans and leases to core deposits | 76.8207% | 3,682 |
| Total domestic deposits to total assets | 87.0708% | 1,959 |
| Equity capital to assets | 10.9269% | 2,707 |
| Core capital (leverage) ratio | 9.8894% | 3,596 |
| Tier 1 risk-based capital ratio | 14.3040% | 3,194 |
| Total risk-based capital ratio | 15.4436% | 3,161 |
| Memoranda: | ||
| Average total assets | $499,789,000 | 1,404 |
| Average earning assets | $472,297,200 | 1,380 |
| Average equity | $54,905,800 | 1,407 |
| Average total loans | $332,005,600 | 1,442 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6943% | 1,149 |
| Cost of funding earning assets | 0.2486% | 4,574 |
| Net interest margin | 4.4458% | 671 |
| Noninterest income to average assets | 0.1356% | 5,328 |
| Noninterest expense to average assets | 2.3156% | 4,259 |
| Loan and lease loss provision to assets | 0.0787% | 2,513 |
| Net operating income to assets | 1.2587% | 1,472 |
| Return on assets (ROA) | 1.2587% | 1,500 |
| Pretax return on assets | 1.9429% | 618 |
| Return on Equity (ROE) | 11.4410% | 1,510 |
| Retained earnings to average equity (ytd only) | 11.4410% | 350 |
| Net charge-offs to loans | -0.0020% | 4,323 |
| Credit loss provision to net charge-offs | -5,800.0000% | 5,184 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3900% | 4,980 |
| Assets per employee ($millions) | 6.7897% | 1,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2743% | 2,491 |
| Loan loss allowance to noncurrent loans | 619.3548% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.1271% | 4,609 |
| Noncurrent loans to loans | 0.2057% | 4,255 |
| Net loans and leases to total assets | 61.0124% | 3,764 |
| Net loans and leases to deposits | 71.0471% | 3,865 |
| Net loans and leases to core deposits | 74.4767% | 3,929 |
| Total domestic deposits to total assets | 85.8760% | 2,359 |
| Equity capital to assets | 10.5195% | 3,353 |
| Core capital (leverage) ratio | 10.1659% | 3,357 |
| Tier 1 risk-based capital ratio | 14.4378% | 3,218 |
| Total risk-based capital ratio | 15.6291% | 3,168 |
| Memoranda: | ||
| Average total assets | $491,496,750 | 1,437 |
| Average earning assets | $464,490,500 | 1,410 |
| Average equity | $54,073,250 | 1,435 |
| Average total loans | $328,585,250 | 1,464 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7496% | 965 |
| Cost of funding earning assets | 0.2355% | 4,679 |
| Net interest margin | 4.5141% | 553 |
| Noninterest income to average assets | 0.1356% | 5,374 |
| Noninterest expense to average assets | 2.3637% | 4,166 |
| Loan and lease loss provision to assets | 0.1007% | 2,003 |
| Net operating income to assets | 1.2503% | 1,438 |
| Return on assets (ROA) | 1.2503% | 1,463 |
| Pretax return on assets | 1.9260% | 615 |
| Return on Equity (ROE) | 11.1805% | 1,570 |
| Retained earnings to average equity (ytd only) | 11.1805% | 411 |
| Net charge-offs to loans | -0.0037% | 4,270 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,044 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8381% | 5,028 |
| Assets per employee ($millions) | 5.8295% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2403% | 2,755 |
| Loan loss allowance to noncurrent loans | 612.1701% | 875 |
| Noncurrent assets plus other real estate owned to assets | 0.1462% | 4,589 |
| Noncurrent loans to loans | 0.2026% | 4,305 |
| Net loans and leases to total assets | 71.2823% | 2,322 |
| Net loans and leases to deposits | 83.2980% | 2,568 |
| Net loans and leases to core deposits | 87.2933% | 2,770 |
| Total domestic deposits to total assets | 85.5751% | 2,583 |
| Equity capital to assets | 11.7473% | 2,116 |
| Core capital (leverage) ratio | 10.8789% | 2,527 |
| Tier 1 risk-based capital ratio | 13.9436% | 3,455 |
| Total risk-based capital ratio | 15.1188% | 3,417 |
| Memoranda: | ||
| Average total assets | $476,533,670 | 1,476 |
| Average earning assets | $449,172,670 | 1,452 |
| Average equity | $53,289,330 | 1,454 |
| Average total loans | $327,618,330 | 1,465 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5236% | 1,324 |
| Cost of funding earning assets | 0.2191% | 4,811 |
| Net interest margin | 4.3045% | 777 |
| Noninterest income to average assets | 0.1262% | 5,490 |
| Noninterest expense to average assets | 2.3421% | 4,283 |
| Loan and lease loss provision to assets | 0.0498% | 2,814 |
| Net operating income to assets | 1.1694% | 1,593 |
| Return on assets (ROA) | 1.1694% | 1,636 |
| Pretax return on assets | 1.7981% | 809 |
| Return on Equity (ROE) | 10.7191% | 1,663 |
| Retained earnings to average equity (ytd only) | 10.7191% | 658 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8969% | 4,948 |
| Assets per employee ($millions) | 6.2485% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2038% | 3,115 |
| Loan loss allowance to noncurrent loans | 584.8974% | 940 |
| Noncurrent assets plus other real estate owned to assets | 0.1455% | 4,679 |
| Noncurrent loans to loans | 0.2058% | 4,377 |
| Net loans and leases to total assets | 69.8560% | 2,410 |
| Net loans and leases to deposits | 81.6422% | 2,552 |
| Net loans and leases to core deposits | 85.2128% | 2,792 |
| Total domestic deposits to total assets | 85.5635% | 2,855 |
| Equity capital to assets | 11.3599% | 2,296 |
| Core capital (leverage) ratio | 10.5615% | 2,831 |
| Tier 1 risk-based capital ratio | 13.6204% | 3,704 |
| Total risk-based capital ratio | 14.7532% | 3,689 |
| Memoranda: | ||
| Average total assets | $481,620,000 | 1,468 |
| Average earning assets | $454,684,000 | 1,444 |
| Average equity | $52,541,500 | 1,469 |
| Average total loans | $323,123,500 | 1,491 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6051% | 1,274 |
| Cost of funding earning assets | 0.2069% | 4,949 |
| Net interest margin | 4.3983% | 780 |
| Noninterest income to average assets | 0.1837% | 5,301 |
| Noninterest expense to average assets | 2.3454% | 4,433 |
| Loan and lease loss provision to assets | 0.1780% | 1,353 |
| Net operating income to assets | 1.1770% | 1,580 |
| Return on assets (ROA) | 1.1770% | 1,680 |
| Pretax return on assets | 1.8088% | 786 |
| Return on Equity (ROE) | 10.6152% | 1,727 |
| Retained earnings to average equity (ytd only) | 10.6152% | 347 |
| Net charge-offs to loans | 0.0308% | 3,403 |
| Credit loss provision to net charge-offs | 876.4045% | 428 |
| Earnings coverage of net charge-offs (x) | 97.8090% | 611 |
| Efficiency ratio | 53.9329% | 5,248 |
| Assets per employee ($millions) | 6.6838% | 1,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2478% | 2,835 |
| Loan loss allowance to noncurrent loans | 576.0997% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 4,755 |
| Noncurrent loans to loans | 0.2166% | 4,380 |
| Net loans and leases to total assets | 62.8702% | 3,493 |
| Net loans and leases to deposits | 72.8575% | 3,629 |
| Net loans and leases to core deposits | 75.6812% | 3,773 |
| Total domestic deposits to total assets | 86.2920% | 2,461 |
| Equity capital to assets | 10.4824% | 3,175 |
| Core capital (leverage) ratio | 10.7264% | 2,623 |
| Tier 1 risk-based capital ratio | 13.7717% | 3,597 |
| Total risk-based capital ratio | 14.9387% | 3,564 |
| Memoranda: | ||
| Average total assets | $438,132,400 | 1,550 |
| Average earning assets | $413,254,800 | 1,522 |
| Average equity | $48,581,400 | 1,561 |
| Average total loans | $288,631,600 | 1,566 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6456% | 1,198 |
| Cost of funding earning assets | 0.2110% | 4,967 |
| Net interest margin | 4.4346% | 731 |
| Noninterest income to average assets | 0.1953% | 5,294 |
| Noninterest expense to average assets | 2.4027% | 4,275 |
| Loan and lease loss provision to assets | 0.1981% | 1,070 |
| Net operating income to assets | 1.1581% | 1,775 |
| Return on assets (ROA) | 1.1581% | 1,877 |
| Pretax return on assets | 1.7779% | 934 |
| Return on Equity (ROE) | 10.2806% | 1,939 |
| Retained earnings to average equity (ytd only) | 10.2806% | 519 |
| Net charge-offs to loans | 0.0421% | 2,802 |
| Credit loss provision to net charge-offs | 707.8652% | 559 |
| Earnings coverage of net charge-offs (x) | 70.6090% | 852 |
| Efficiency ratio | 54.6212% | 5,189 |
| Assets per employee ($millions) | 5.9600% | 1,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2462% | 2,978 |
| Loan loss allowance to noncurrent loans | 554.2522% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.1589% | 4,796 |
| Noncurrent loans to loans | 0.2248% | 4,465 |
| Net loans and leases to total assets | 69.8067% | 2,519 |
| Net loans and leases to deposits | 83.7508% | 2,514 |
| Net loans and leases to core deposits | 87.2029% | 2,832 |
| Total domestic deposits to total assets | 83.3505% | 3,465 |
| Equity capital to assets | 11.7396% | 2,310 |
| Core capital (leverage) ratio | 10.7928% | 2,692 |
| Tier 1 risk-based capital ratio | 14.2010% | 3,458 |
| Total risk-based capital ratio | 15.3973% | 3,407 |
| Memoranda: | ||
| Average total assets | $424,015,500 | 1,604 |
| Average earning assets | $399,996,000 | 1,568 |
| Average equity | $47,765,250 | 1,588 |
| Average total loans | $282,068,250 | 1,607 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5711% | 1,328 |
| Cost of funding earning assets | 0.2121% | 5,015 |
| Net interest margin | 4.3590% | 834 |
| Noninterest income to average assets | 0.1724% | 5,461 |
| Noninterest expense to average assets | 2.3963% | 4,345 |
| Loan and lease loss provision to assets | 0.1871% | 1,163 |
| Net operating income to assets | 1.1087% | 1,928 |
| Return on assets (ROA) | 1.1087% | 2,051 |
| Pretax return on assets | 1.7054% | 1,078 |
| Return on Equity (ROE) | 9.9841% | 2,057 |
| Retained earnings to average equity (ytd only) | 9.9841% | 601 |
| Net charge-offs to loans | 0.0538% | 2,431 |
| Credit loss provision to net charge-offs | 533.7838% | 624 |
| Earnings coverage of net charge-offs (x) | 54.0000% | 942 |
| Efficiency ratio | 55.6206% | 5,184 |
| Assets per employee ($millions) | 5.3211% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2120% | 3,290 |
| Loan loss allowance to noncurrent loans | 9,621.6216% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.0090% | 5,590 |
| Noncurrent loans to loans | 0.0126% | 5,442 |
| Net loans and leases to total assets | 70.8191% | 2,350 |
| Net loans and leases to deposits | 84.8750% | 2,362 |
| Net loans and leases to core deposits | 88.5410% | 2,676 |
| Total domestic deposits to total assets | 83.4393% | 3,489 |
| Equity capital to assets | 11.9737% | 2,145 |
| Core capital (leverage) ratio | 10.7721% | 2,677 |
| Tier 1 risk-based capital ratio | 14.0068% | 3,600 |
| Total risk-based capital ratio | 15.1525% | 3,579 |
| Memoranda: | ||
| Average total assets | $422,314,330 | 1,609 |
| Average earning assets | $398,807,670 | 1,573 |
| Average equity | $46,894,670 | 1,618 |
| Average total loans | $274,979,670 | 1,641 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3626% | 1,916 |
| Cost of funding earning assets | 0.2198% | 5,006 |
| Net interest margin | 4.1428% | 1,227 |
| Noninterest income to average assets | 0.1531% | 5,573 |
| Noninterest expense to average assets | 2.3565% | 4,500 |
| Loan and lease loss provision to assets | 0.1167% | 1,803 |
| Net operating income to assets | 1.0424% | 2,109 |
| Return on assets (ROA) | 1.0424% | 2,230 |
| Pretax return on assets | 1.6024% | 1,283 |
| Return on Equity (ROE) | 9.7528% | 2,092 |
| Retained earnings to average equity (ytd only) | 9.7528% | 907 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5452% | 5,050 |
| Assets per employee ($millions) | 5.6493% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 3,238 |
| Loan loss allowance to noncurrent loans | 3,058.1818% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0267% | 5,531 |
| Noncurrent loans to loans | 0.0407% | 5,332 |
| Net loans and leases to total assets | 64.7548% | 3,141 |
| Net loans and leases to deposits | 76.7500% | 3,135 |
| Net loans and leases to core deposits | 80.1199% | 3,306 |
| Total domestic deposits to total assets | 84.3711% | 3,369 |
| Equity capital to assets | 11.6049% | 2,343 |
| Core capital (leverage) ratio | 9.9029% | 3,656 |
| Tier 1 risk-based capital ratio | 14.4295% | 3,430 |
| Total risk-based capital ratio | 15.5772% | 3,411 |
| Memoranda: | ||
| Average total assets | $428,609,500 | 1,580 |
| Average earning assets | $405,809,500 | 1,545 |
| Average equity | $45,812,500 | 1,647 |
| Average total loans | $265,608,000 | 1,690 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4788% | 1,666 |
| Cost of funding earning assets | 0.2340% | 4,967 |
| Net interest margin | 4.2448% | 1,072 |
| Noninterest income to average assets | 0.1703% | 5,562 |
| Noninterest expense to average assets | 2.3799% | 4,561 |
| Loan and lease loss provision to assets | 0.0880% | 2,540 |
| Net operating income to assets | 1.1006% | 1,927 |
| Return on assets (ROA) | 1.1006% | 1,997 |
| Pretax return on assets | 1.6920% | 1,015 |
| Return on Equity (ROE) | 10.8415% | 1,666 |
| Retained earnings to average equity (ytd only) | 10.8415% | 360 |
| Net charge-offs to loans | 0.0411% | 3,394 |
| Credit loss provision to net charge-offs | 333.3333% | 897 |
| Earnings coverage of net charge-offs (x) | 67.4444% | 795 |
| Efficiency ratio | 56.7056% | 5,280 |
| Assets per employee ($millions) | 6.2650% | 1,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2419% | 3,230 |
| Loan loss allowance to noncurrent loans | 655.6680% | 859 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 5,146 |
| Noncurrent loans to loans | 0.1894% | 4,726 |
| Net loans and leases to total assets | 57.9031% | 4,102 |
| Net loans and leases to deposits | 66.7008% | 4,250 |
| Net loans and leases to core deposits | 69.3240% | 4,351 |
| Total domestic deposits to total assets | 86.8103% | 2,232 |
| Equity capital to assets | 9.8391% | 4,145 |
| Core capital (leverage) ratio | 8.8096% | 5,100 |
| Tier 1 risk-based capital ratio | 13.0025% | 4,315 |
| Total risk-based capital ratio | 14.1504% | 4,278 |
| Memoranda: | ||
| Average total assets | $409,222,600 | 1,614 |
| Average earning assets | $384,611,000 | 1,589 |
| Average equity | $41,544,200 | 1,744 |
| Average total loans | $262,697,400 | 1,653 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5726% | 1,405 |
| Cost of funding earning assets | 0.2414% | 4,980 |
| Net interest margin | 4.3312% | 904 |
| Noninterest income to average assets | 0.1775% | 5,591 |
| Noninterest expense to average assets | 2.3840% | 4,553 |
| Loan and lease loss provision to assets | 0.1199% | 1,899 |
| Net operating income to assets | 1.1261% | 1,910 |
| Return on assets (ROA) | 1.1261% | 1,982 |
| Pretax return on assets | 1.7309% | 1,030 |
| Return on Equity (ROE) | 10.9979% | 1,714 |
| Retained earnings to average equity (ytd only) | 10.9979% | 479 |
| Net charge-offs to loans | 0.0547% | 2,823 |
| Credit loss provision to net charge-offs | 333.3333% | 877 |
| Earnings coverage of net charge-offs (x) | 51.4524% | 1,019 |
| Efficiency ratio | 55.7452% | 5,381 |
| Assets per employee ($millions) | 5.9692% | 1,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1984% | 3,670 |
| Loan loss allowance to noncurrent loans | 708.7527% | 766 |
| Noncurrent assets plus other real estate owned to assets | 0.1094% | 5,309 |
| Noncurrent loans to loans | 0.1691% | 4,978 |
| Net loans and leases to total assets | 63.9064% | 3,321 |
| Net loans and leases to deposits | 74.5575% | 3,475 |
| Net loans and leases to core deposits | 78.4153% | 3,568 |
| Total domestic deposits to total assets | 85.7142% | 2,684 |
| Equity capital to assets | 10.2118% | 3,916 |
| Core capital (leverage) ratio | 9.0709% | 4,913 |
| Tier 1 risk-based capital ratio | 12.3628% | 4,847 |
| Total risk-based capital ratio | 13.4889% | 4,832 |
| Memoranda: | ||
| Average total assets | $400,324,000 | 1,658 |
| Average earning assets | $375,005,750 | 1,634 |
| Average equity | $40,988,750 | 1,775 |
| Average total loans | $263,171,250 | 1,662 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5508% | 1,401 |
| Cost of funding earning assets | 0.2471% | 4,972 |
| Net interest margin | 4.3037% | 914 |
| Noninterest income to average assets | 0.1815% | 5,601 |
| Noninterest expense to average assets | 2.3869% | 4,592 |
| Loan and lease loss provision to assets | 0.1191% | 1,858 |
| Net operating income to assets | 1.1083% | 1,918 |
| Return on assets (ROA) | 1.1083% | 2,004 |
| Pretax return on assets | 1.7020% | 1,084 |
| Return on Equity (ROE) | 10.8141% | 1,742 |
| Retained earnings to average equity (ytd only) | 10.8141% | 529 |
| Net charge-offs to loans | 0.0828% | 2,218 |
| Credit loss provision to net charge-offs | 217.5926% | 1,145 |
| Earnings coverage of net charge-offs (x) | 33.2593% | 1,278 |
| Efficiency ratio | 56.1566% | 5,415 |
| Assets per employee ($millions) | 5.2405% | 2,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 4,023 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 70.2988% | 2,274 |
| Net loans and leases to deposits | 82.4361% | 2,501 |
| Net loans and leases to core deposits | 89.1914% | 2,432 |
| Total domestic deposits to total assets | 85.2768% | 3,016 |
| Equity capital to assets | 10.9993% | 2,880 |
| Core capital (leverage) ratio | 8.6542% | 5,364 |
| Tier 1 risk-based capital ratio | 12.5123% | 4,793 |
| Total risk-based capital ratio | 13.6464% | 4,788 |
| Memoranda: | ||
| Average total assets | $394,485,000 | 1,696 |
| Average earning assets | $369,076,000 | 1,666 |
| Average equity | $40,428,670 | 1,807 |
| Average total loans | $260,806,330 | 1,680 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3592% | 1,909 |
| Cost of funding earning assets | 0.2331% | 5,185 |
| Net interest margin | 4.1261% | 1,216 |
| Noninterest income to average assets | 0.1598% | 5,779 |
| Noninterest expense to average assets | 2.2914% | 4,908 |
| Loan and lease loss provision to assets | 0.1042% | 1,968 |
| Net operating income to assets | 1.0619% | 1,994 |
| Return on assets (ROA) | 1.0619% | 2,126 |
| Pretax return on assets | 1.6285% | 1,193 |
| Return on Equity (ROE) | 10.7290% | 1,726 |
| Retained earnings to average equity (ytd only) | 10.7290% | 769 |
| Net charge-offs to loans | 0.1712% | 1,250 |
| Credit loss provision to net charge-offs | 95.4545% | 1,708 |
| Earnings coverage of net charge-offs (x) | 15.8727% | 1,599 |
| Efficiency ratio | 56.3748% | 5,487 |
| Assets per employee ($millions) | 5.9211% | 1,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1411% | 4,315 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0608% | 5,689 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 64.1663% | 3,070 |
| Net loans and leases to deposits | 74.2554% | 3,277 |
| Net loans and leases to core deposits | 80.0969% | 3,147 |
| Total domestic deposits to total assets | 86.4129% | 2,705 |
| Equity capital to assets | 10.0447% | 4,099 |
| Core capital (leverage) ratio | 8.5770% | 5,449 |
| Tier 1 risk-based capital ratio | 12.2107% | 5,099 |
| Total risk-based capital ratio | 13.3064% | 5,101 |
| Memoranda: | ||
| Average total assets | $403,070,000 | 1,660 |
| Average earning assets | $377,502,500 | 1,636 |
| Average equity | $39,892,000 | 1,835 |
| Average total loans | $257,028,500 | 1,701 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1340% | 3,187 |
| Cost of funding earning assets | 0.2483% | 5,344 |
| Net interest margin | 3.8857% | 2,296 |
| Noninterest income to average assets | 0.1945% | 5,691 |
| Noninterest expense to average assets | 2.2893% | 5,140 |
| Loan and lease loss provision to assets | 0.0985% | 2,513 |
| Net operating income to assets | 0.9544% | 2,608 |
| Return on assets (ROA) | 0.9544% | 2,686 |
| Pretax return on assets | 1.4482% | 1,725 |
| Return on Equity (ROE) | 9.9258% | 2,153 |
| Retained earnings to average equity (ytd only) | 9.9258% | 531 |
| Net charge-offs to loans | -0.0102% | 5,563 |
| Credit loss provision to net charge-offs | -1,660.8696% | 5,963 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.7856% | 5,369 |
| Assets per employee ($millions) | 6.1138% | 1,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1819% | 4,116 |
| Loan loss allowance to noncurrent loans | 1,597.3262% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.0463% | 5,847 |
| Noncurrent loans to loans | 0.0740% | 5,582 |
| Net loans and leases to total assets | 61.8907% | 3,517 |
| Net loans and leases to deposits | 71.2671% | 3,761 |
| Net loans and leases to core deposits | 75.8955% | 3,720 |
| Total domestic deposits to total assets | 86.8434% | 2,362 |
| Equity capital to assets | 9.7497% | 4,415 |
| Core capital (leverage) ratio | 8.6818% | 5,363 |
| Tier 1 risk-based capital ratio | 12.0772% | 5,310 |
| Total risk-based capital ratio | 13.2019% | 5,298 |
| Memoranda: | ||
| Average total assets | $387,665,600 | 1,687 |
| Average earning assets | $363,304,000 | 1,655 |
| Average equity | $37,276,600 | 1,885 |
| Average total loans | $226,349,000 | 1,855 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0376% | 3,602 |
| Cost of funding earning assets | 0.2545% | 5,358 |
| Net interest margin | 3.7832% | 2,676 |
| Noninterest income to average assets | 0.2001% | 5,730 |
| Noninterest expense to average assets | 2.3187% | 5,057 |
| Loan and lease loss provision to assets | 0.1223% | 2,040 |
| Net operating income to assets | 0.8642% | 3,107 |
| Return on assets (ROA) | 0.8642% | 3,195 |
| Pretax return on assets | 1.3027% | 2,367 |
| Return on Equity (ROE) | 9.0203% | 2,672 |
| Retained earnings to average equity (ytd only) | 9.0203% | 993 |
| Net charge-offs to loans | 0.0012% | 4,670 |
| Credit loss provision to net charge-offs | 17,600.0000% | 18 |
| Earnings coverage of net charge-offs (x) | 2,047.8876% | 22 |
| Efficiency ratio | 60.9616% | 5,046 |
| Assets per employee ($millions) | 5.6704% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1947% | 4,261 |
| Loan loss allowance to noncurrent loans | 1,567.9144% | 381 |
| Noncurrent assets plus other real estate owned to assets | 0.0478% | 5,969 |
| Noncurrent loans to loans | 0.0762% | 5,720 |
| Net loans and leases to total assets | 61.9749% | 3,486 |
| Net loans and leases to deposits | 72.2288% | 3,665 |
| Net loans and leases to core deposits | 76.6594% | 3,673 |
| Total domestic deposits to total assets | 85.8036% | 2,958 |
| Equity capital to assets | 9.7444% | 4,488 |
| Core capital (leverage) ratio | 7.8713% | 6,148 |
| Tier 1 risk-based capital ratio | 12.0400% | 5,457 |
| Total risk-based capital ratio | 13.1850% | 5,450 |
| Memoranda: | ||
| Average total assets | $383,705,000 | 1,718 |
| Average earning assets | $359,408,500 | 1,691 |
| Average equity | $36,760,500 | 1,920 |
| Average total loans | $219,756,000 | 1,916 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8906% | 4,172 |
| Cost of funding earning assets | 0.2555% | 5,428 |
| Net interest margin | 3.6351% | 3,211 |
| Noninterest income to average assets | 0.1789% | 5,877 |
| Noninterest expense to average assets | 2.3154% | 5,119 |
| Loan and lease loss provision to assets | 0.1217% | 2,015 |
| Net operating income to assets | 0.7655% | 3,483 |
| Return on assets (ROA) | 0.7655% | 3,593 |
| Pretax return on assets | 1.1459% | 2,900 |
| Return on Equity (ROE) | 8.0374% | 3,069 |
| Retained earnings to average equity (ytd only) | 8.0374% | 1,317 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5964% | 4,751 |
| Assets per employee ($millions) | 5.7652% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2261% | 4,301 |
| Loan loss allowance to noncurrent loans | 1,504.8128% | 360 |
| Noncurrent assets plus other real estate owned to assets | 0.0761% | 5,949 |
| Noncurrent loans to loans | 0.0815% | 5,775 |
| Net loans and leases to total assets | 56.1753% | 4,261 |
| Net loans and leases to deposits | 77.6313% | 2,847 |
| Net loans and leases to core deposits | 83.1446% | 2,835 |
| Total domestic deposits to total assets | 72.3616% | 6,223 |
| Equity capital to assets | 9.1907% | 5,116 |
| Core capital (leverage) ratio | 7.6798% | 6,254 |
| Tier 1 risk-based capital ratio | 12.2401% | 5,388 |
| Total risk-based capital ratio | 13.3971% | 5,370 |
| Memoranda: | ||
| Average total assets | $381,186,670 | 1,726 |
| Average earning assets | $356,965,000 | 1,695 |
| Average equity | $36,305,330 | 1,930 |
| Average total loans | $211,203,000 | 1,973 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8591% | 4,253 |
| Cost of funding earning assets | 0.2634% | 5,459 |
| Net interest margin | 3.5957% | 3,261 |
| Noninterest income to average assets | 0.1535% | 6,053 |
| Noninterest expense to average assets | 2.3503% | 5,070 |
| Loan and lease loss provision to assets | 0.1135% | 2,061 |
| Net operating income to assets | 0.7092% | 3,637 |
| Return on assets (ROA) | 0.7092% | 3,718 |
| Pretax return on assets | 1.0551% | 3,108 |
| Return on Equity (ROE) | 7.3065% | 3,311 |
| Retained earnings to average equity (ytd only) | 7.3065% | 1,904 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7143% | 4,574 |
| Assets per employee ($millions) | 5.9199% | 1,364 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3150% | 4,042 |
| Loan loss allowance to noncurrent loans | 718.1818% | 687 |
| Noncurrent assets plus other real estate owned to assets | 0.0929% | 5,969 |
| Noncurrent loans to loans | 0.1831% | 5,549 |
| Net loans and leases to total assets | 50.0742% | 4,901 |
| Net loans and leases to deposits | 69.9269% | 3,610 |
| Net loans and leases to core deposits | 74.8817% | 3,545 |
| Total domestic deposits to total assets | 71.6093% | 6,381 |
| Equity capital to assets | 9.0053% | 5,112 |
| Core capital (leverage) ratio | 8.0043% | 6,115 |
| Tier 1 risk-based capital ratio | 13.2458% | 4,866 |
| Total risk-based capital ratio | 14.4757% | 4,811 |
| Memoranda: | ||
| Average total assets | $369,999,000 | 1,777 |
| Average earning assets | $346,298,000 | 1,735 |
| Average equity | $35,913,000 | 1,943 |
| Average total loans | $202,046,500 | 2,035 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5648% | 1,983 |
| Cost of funding earning assets | 0.3193% | 5,428 |
| Net interest margin | 4.2455% | 1,233 |
| Noninterest income to average assets | 0.2412% | 5,619 |
| Noninterest expense to average assets | 2.6372% | 4,329 |
| Loan and lease loss provision to assets | 0.1089% | 2,980 |
| Net operating income to assets | 0.9436% | 2,596 |
| Return on assets (ROA) | 0.9436% | 2,667 |
| Pretax return on assets | 1.4122% | 1,743 |
| Return on Equity (ROE) | 8.4139% | 2,817 |
| Retained earnings to average equity (ytd only) | 8.4139% | 929 |
| Net charge-offs to loans | 0.0785% | 4,120 |
| Credit loss provision to net charge-offs | 220.0000% | 1,042 |
| Earnings coverage of net charge-offs (x) | 30.7333% | 1,160 |
| Efficiency ratio | 61.9932% | 5,217 |
| Assets per employee ($millions) | 4.9625% | 2,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 4,186 |
| Loan loss allowance to noncurrent loans | 2,082.2581% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0367% | 6,270 |
| Noncurrent loans to loans | 0.0621% | 6,043 |
| Net loans and leases to total assets | 58.4539% | 3,962 |
| Net loans and leases to deposits | 69.1854% | 3,887 |
| Net loans and leases to core deposits | 74.3622% | 3,803 |
| Total domestic deposits to total assets | 84.4888% | 3,970 |
| Equity capital to assets | 10.5424% | 3,100 |
| Core capital (leverage) ratio | 8.5570% | 5,602 |
| Tier 1 risk-based capital ratio | 13.1845% | 4,862 |
| Total risk-based capital ratio | 14.3901% | 4,836 |
| Memoranda: | ||
| Average total assets | $303,082,800 | 2,127 |
| Average earning assets | $279,638,800 | 2,119 |
| Average equity | $33,991,400 | 2,027 |
| Average total loans | $191,000,000 | 2,088 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6630% | 1,711 |
| Cost of funding earning assets | 0.3216% | 5,539 |
| Net interest margin | 4.3414% | 1,004 |
| Noninterest income to average assets | 0.2590% | 5,588 |
| Noninterest expense to average assets | 2.6821% | 4,086 |
| Loan and lease loss provision to assets | 0.1336% | 2,610 |
| Net operating income to assets | 0.9680% | 2,509 |
| Return on assets (ROA) | 0.9680% | 2,609 |
| Pretax return on assets | 1.4406% | 1,798 |
| Return on Equity (ROE) | 8.4851% | 2,885 |
| Retained earnings to average equity (ytd only) | 8.4851% | 1,226 |
| Net charge-offs to loans | 0.0106% | 4,935 |
| Credit loss provision to net charge-offs | 1,966.6667% | 167 |
| Earnings coverage of net charge-offs (x) | 231.7940% | 251 |
| Efficiency ratio | 61.5254% | 5,202 |
| Assets per employee ($millions) | 4.9498% | 2,235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4089% | 3,857 |
| Loan loss allowance to noncurrent loans | 409.4656% | 1,056 |
| Noncurrent assets plus other real estate owned to assets | 0.1975% | 5,845 |
| Noncurrent loans to loans | 0.3441% | 5,355 |
| Net loans and leases to total assets | 56.5923% | 4,233 |
| Net loans and leases to deposits | 66.6579% | 4,223 |
| Net loans and leases to core deposits | 71.4980% | 4,148 |
| Total domestic deposits to total assets | 84.8997% | 3,793 |
| Equity capital to assets | 10.5179% | 3,253 |
| Core capital (leverage) ratio | 8.6349% | 5,616 |
| Tier 1 risk-based capital ratio | 13.3778% | 4,854 |
| Total risk-based capital ratio | 14.6284% | 4,787 |
| Memoranda: | ||
| Average total assets | $294,491,750 | 2,193 |
| Average earning assets | $271,150,250 | 2,179 |
| Average equity | $33,595,500 | 2,071 |
| Average total loans | $188,791,750 | 2,113 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7557% | 1,433 |
| Cost of funding earning assets | 0.3190% | 5,669 |
| Net interest margin | 4.4367% | 793 |
| Noninterest income to average assets | 0.2687% | 5,531 |
| Noninterest expense to average assets | 2.7578% | 3,826 |
| Loan and lease loss provision to assets | 0.1914% | 1,978 |
| Net operating income to assets | 0.8911% | 2,843 |
| Return on assets (ROA) | 0.8911% | 2,990 |
| Pretax return on assets | 1.3917% | 1,962 |
| Return on Equity (ROE) | 7.5798% | 3,303 |
| Retained earnings to average equity (ytd only) | 7.5798% | 1,635 |
| Net charge-offs to loans | 0.0159% | 4,518 |
| Credit loss provision to net charge-offs | 1,800.0000% | 170 |
| Earnings coverage of net charge-offs (x) | 148.8667% | 331 |
| Efficiency ratio | 61.9958% | 5,173 |
| Assets per employee ($millions) | 4.5763% | 2,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3453% | 4,291 |
| Loan loss allowance to noncurrent loans | 402.5758% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.2090% | 5,874 |
| Noncurrent loans to loans | 0.3342% | 5,459 |
| Net loans and leases to total assets | 61.7079% | 3,349 |
| Net loans and leases to deposits | 71.8703% | 3,468 |
| Net loans and leases to core deposits | 76.9208% | 3,439 |
| Total domestic deposits to total assets | 85.8601% | 3,444 |
| Equity capital to assets | 10.7780% | 2,968 |
| Core capital (leverage) ratio | 9.0344% | 4,932 |
| Tier 1 risk-based capital ratio | 12.4976% | 5,504 |
| Total risk-based capital ratio | 13.7475% | 5,442 |
| Memoranda: | ||
| Average total assets | $282,110,670 | 2,275 |
| Average earning assets | $258,930,670 | 2,271 |
| Average equity | $33,167,000 | 2,101 |
| Average total loans | $188,268,330 | 2,120 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8227% | 1,246 |
| Cost of funding earning assets | 0.3154% | 5,838 |
| Net interest margin | 4.5074% | 676 |
| Noninterest income to average assets | 0.2654% | 5,561 |
| Noninterest expense to average assets | 2.8543% | 3,524 |
| Loan and lease loss provision to assets | 0.2337% | 1,564 |
| Net operating income to assets | 0.8534% | 2,886 |
| Return on assets (ROA) | 0.8534% | 3,023 |
| Pretax return on assets | 1.2937% | 2,254 |
| Return on Equity (ROE) | 6.9164% | 3,532 |
| Retained earnings to average equity (ytd only) | 6.9164% | 2,190 |
| Net charge-offs to loans | 0.0283% | 3,632 |
| Credit loss provision to net charge-offs | 1,192.3077% | 271 |
| Earnings coverage of net charge-offs (x) | 77.9231% | 479 |
| Efficiency ratio | 63.5237% | 5,081 |
| Assets per employee ($millions) | 4.2071% | 3,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3245% | 4,578 |
| Loan loss allowance to noncurrent loans | 1,106.0870% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.0854% | 6,336 |
| Noncurrent loans to loans | 0.1197% | 6,113 |
| Net loans and leases to total assets | 70.3916% | 1,595 |
| Net loans and leases to deposits | 83.9619% | 1,604 |
| Net loans and leases to core deposits | 91.2770% | 1,581 |
| Total domestic deposits to total assets | 83.8376% | 4,546 |
| Equity capital to assets | 12.2564% | 1,861 |
| Core capital (leverage) ratio | 9.7961% | 3,669 |
| Tier 1 risk-based capital ratio | 12.3131% | 5,708 |
| Total risk-based capital ratio | 13.5515% | 5,670 |
| Memoranda: | ||
| Average total assets | $265,283,500 | 2,438 |
| Average earning assets | $242,268,500 | 2,451 |
| Average equity | $32,734,000 | 2,136 |
| Average total loans | $183,648,000 | 2,174 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0497% | 1,433 |
| Cost of funding earning assets | 0.2841% | 6,528 |
| Net interest margin | 4.7656% | 576 |
| Noninterest income to average assets | 0.2601% | 5,603 |
| Noninterest expense to average assets | 3.0941% | 2,944 |
| Loan and lease loss provision to assets | 0.2073% | 3,070 |
| Net operating income to assets | 1.0442% | 2,147 |
| Return on assets (ROA) | 1.0442% | 2,347 |
| Pretax return on assets | 1.2632% | 2,551 |
| Return on Equity (ROE) | 7.6705% | 3,249 |
| Retained earnings to average equity (ytd only) | 7.6705% | 1,250 |
| Net charge-offs to loans | 0.0184% | 5,658 |
| Credit loss provision to net charge-offs | 1,637.9310% | 144 |
| Earnings coverage of net charge-offs (x) | 116.2069% | 330 |
| Efficiency ratio | 65.6247% | 4,577 |
| Assets per employee ($millions) | 4.2147% | 3,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3709% | 4,306 |
| Loan loss allowance to noncurrent loans | 504.6218% | 823 |
| Noncurrent assets plus other real estate owned to assets | 0.1822% | 6,107 |
| Noncurrent loans to loans | 0.2717% | 5,804 |
| Net loans and leases to total assets | 66.1344% | 2,507 |
| Net loans and leases to deposits | 79.1377% | 2,385 |
| Net loans and leases to core deposits | 85.7346% | 2,350 |
| Total domestic deposits to total assets | 83.5687% | 4,513 |
| Equity capital to assets | 12.4246% | 1,763 |
| Core capital (leverage) ratio | 10.2186% | 3,114 |
| Tier 1 risk-based capital ratio | 13.0273% | 5,089 |
| Total risk-based capital ratio | 14.2773% | 5,027 |
| Memoranda: | ||
| Average total assets | $229,176,000 | 2,735 |
| Average earning assets | $207,003,200 | 2,778 |
| Average equity | $31,197,400 | 2,189 |
| Average total loans | $157,736,800 | 2,462 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1189% | 1,382 |
| Cost of funding earning assets | 0.2735% | 6,719 |
| Net interest margin | 4.8454% | 527 |
| Noninterest income to average assets | 0.2611% | 5,700 |
| Noninterest expense to average assets | 3.1587% | 2,686 |
| Loan and lease loss provision to assets | 0.2110% | 2,959 |
| Net operating income to assets | 1.1142% | 2,042 |
| Return on assets (ROA) | 1.1142% | 2,237 |
| Pretax return on assets | 1.2607% | 2,749 |
| Return on Equity (ROE) | 7.9791% | 3,293 |
| Retained earnings to average equity (ytd only) | 7.9791% | 1,623 |
| Net charge-offs to loans | 0.0017% | 5,753 |
| Credit loss provision to net charge-offs | 17,500.0000% | 9 |
| Earnings coverage of net charge-offs (x) | 1,218.9476% | 30 |
| Efficiency ratio | 65.9245% | 4,463 |
| Assets per employee ($millions) | 3.9588% | 3,956 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3637% | 4,524 |
| Loan loss allowance to noncurrent loans | 345.4273% | 1,082 |
| Noncurrent assets plus other real estate owned to assets | 0.2808% | 5,999 |
| Noncurrent loans to loans | 0.3948% | 5,669 |
| Net loans and leases to total assets | 70.1591% | 1,881 |
| Net loans and leases to deposits | 85.8107% | 1,622 |
| Net loans and leases to core deposits | 92.4748% | 1,735 |
| Total domestic deposits to total assets | 81.7603% | 5,099 |
| Equity capital to assets | 13.4352% | 1,379 |
| Core capital (leverage) ratio | 10.8846% | 2,505 |
| Tier 1 risk-based capital ratio | 12.9986% | 5,253 |
| Total risk-based capital ratio | 14.2425% | 5,219 |
| Memoranda: | ||
| Average total assets | $221,142,000 | 2,848 |
| Average earning assets | $199,413,500 | 2,873 |
| Average equity | $30,880,000 | 2,223 |
| Average total loans | $153,366,250 | 2,555 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1042% | 1,494 |
| Cost of funding earning assets | 0.2658% | 6,852 |
| Net interest margin | 4.8385% | 528 |
| Noninterest income to average assets | 0.2392% | 5,855 |
| Noninterest expense to average assets | 3.1732% | 2,675 |
| Loan and lease loss provision to assets | 0.2318% | 2,758 |
| Net operating income to assets | 1.1341% | 1,935 |
| Return on assets (ROA) | 1.1341% | 2,153 |
| Pretax return on assets | 1.1897% | 2,971 |
| Return on Equity (ROE) | 8.0102% | 3,256 |
| Retained earnings to average equity (ytd only) | 8.0102% | 1,638 |
| Net charge-offs to loans | 0.0094% | 5,334 |
| Credit loss provision to net charge-offs | 3,571.4286% | 83 |
| Earnings coverage of net charge-offs (x) | 219.0000% | 197 |
| Efficiency ratio | 66.7003% | 4,380 |
| Assets per employee ($millions) | 3.6812% | 4,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4021% | 4,457 |
| Loan loss allowance to noncurrent loans | 936.1702% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.1101% | 6,520 |
| Noncurrent loans to loans | 0.1498% | 6,290 |
| Net loans and leases to total assets | 72.4576% | 1,477 |
| Net loans and leases to deposits | 87.7667% | 1,389 |
| Net loans and leases to core deposits | 93.3971% | 1,660 |
| Total domestic deposits to total assets | 82.5570% | 4,931 |
| Equity capital to assets | 14.6262% | 880 |
| Core capital (leverage) ratio | 11.3986% | 1,973 |
| Tier 1 risk-based capital ratio | 13.4972% | 4,826 |
| Total risk-based capital ratio | 14.7474% | 4,778 |
| Memoranda: | ||
| Average total assets | $215,680,670 | 2,919 |
| Average earning assets | $194,153,000 | 2,949 |
| Average equity | $30,536,000 | 2,227 |
| Average total loans | $148,171,670 | 2,641 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9756% | 1,973 |
| Cost of funding earning assets | 0.2736% | 6,924 |
| Net interest margin | 4.7020% | 679 |
| Noninterest income to average assets | 0.2307% | 5,974 |
| Noninterest expense to average assets | 3.1204% | 2,851 |
| Loan and lease loss provision to assets | 0.3691% | 1,711 |
| Net operating income to assets | 0.9669% | 2,606 |
| Return on assets (ROA) | 0.9669% | 2,808 |
| Pretax return on assets | 0.9909% | 3,703 |
| Return on Equity (ROE) | 6.9427% | 3,814 |
| Retained earnings to average equity (ytd only) | 6.9427% | 2,464 |
| Net charge-offs to loans | 0.0028% | 4,710 |
| Credit loss provision to net charge-offs | 20,000.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 737.0000% | 28 |
| Efficiency ratio | 67.2158% | 4,319 |
| Assets per employee ($millions) | 3.9925% | 4,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4459% | 4,398 |
| Loan loss allowance to noncurrent loans | 898.3333% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.1614% | 6,480 |
| Noncurrent loans to loans | 0.1610% | 6,360 |
| Net loans and leases to total assets | 68.1613% | 2,083 |
| Net loans and leases to deposits | 82.8005% | 1,817 |
| Net loans and leases to core deposits | 87.9909% | 2,054 |
| Total domestic deposits to total assets | 82.3199% | 5,189 |
| Equity capital to assets | 14.1405% | 973 |
| Core capital (leverage) ratio | 11.0406% | 2,228 |
| Tier 1 risk-based capital ratio | 13.1574% | 5,090 |
| Total risk-based capital ratio | 14.4075% | 5,061 |
| Memoranda: | ||
| Average total assets | $216,767,500 | 2,927 |
| Average earning assets | $195,917,000 | 2,952 |
| Average equity | $30,190,000 | 2,247 |
| Average total loans | $143,806,500 | 2,725 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6935% | 4,274 |
| Cost of funding earning assets | 0.3930% | 6,908 |
| Net interest margin | 4.3005% | 1,694 |
| Noninterest income to average assets | 0.2323% | 5,874 |
| Noninterest expense to average assets | 3.1913% | 2,897 |
| Loan and lease loss provision to assets | 0.1813% | 4,381 |
| Net operating income to assets | 0.7149% | 3,418 |
| Return on assets (ROA) | 0.7149% | 3,598 |
| Pretax return on assets | 0.7149% | 4,271 |
| Return on Equity (ROE) | 5.4049% | 4,197 |
| Retained earnings to average equity (ytd only) | 5.4049% | 2,368 |
| Net charge-offs to loans | 0.0427% | 5,880 |
| Credit loss provision to net charge-offs | 698.1132% | 317 |
| Earnings coverage of net charge-offs (x) | 34.5094% | 751 |
| Efficiency ratio | 74.8022% | 3,086 |
| Assets per employee ($millions) | 4.0360% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4122% | 4,402 |
| Loan loss allowance to noncurrent loans | 804.9383% | 469 |
| Noncurrent assets plus other real estate owned to assets | 0.1611% | 6,543 |
| Noncurrent loans to loans | 0.1754% | 6,400 |
| Net loans and leases to total assets | 62.6543% | 3,480 |
| Net loans and leases to deposits | 75.6799% | 3,221 |
| Net loans and leases to core deposits | 80.3335% | 3,415 |
| Total domestic deposits to total assets | 82.7885% | 4,840 |
| Equity capital to assets | 13.7165% | 1,166 |
| Core capital (leverage) ratio | 10.6944% | 2,527 |
| Tier 1 risk-based capital ratio | 13.6629% | 4,574 |
| Total risk-based capital ratio | 14.8761% | 4,567 |
| Memoranda: | ||
| Average total assets | $204,084,600 | 3,007 |
| Average earning assets | $182,953,600 | 3,051 |
| Average equity | $26,994,200 | 2,399 |
| Average total loans | $124,239,800 | 3,094 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6787% | 4,555 |
| Cost of funding earning assets | 0.4215% | 6,959 |
| Net interest margin | 4.2571% | 1,885 |
| Noninterest income to average assets | 0.2432% | 5,880 |
| Noninterest expense to average assets | 3.2445% | 2,680 |
| Loan and lease loss provision to assets | 0.1794% | 4,235 |
| Net operating income to assets | 0.6247% | 3,991 |
| Return on assets (ROA) | 0.6247% | 4,165 |
| Pretax return on assets | 0.6247% | 4,728 |
| Return on Equity (ROE) | 4.7710% | 4,627 |
| Retained earnings to average equity (ytd only) | 4.7710% | 3,330 |
| Net charge-offs to loans | -0.0044% | 6,705 |
| Credit loss provision to net charge-offs | -6,750.0000% | 6,903 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6743% | 2,729 |
| Assets per employee ($millions) | 3.9276% | 4,014 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4975% | 4,110 |
| Loan loss allowance to noncurrent loans | 454.6318% | 697 |
| Noncurrent assets plus other real estate owned to assets | 0.1914% | 6,576 |
| Noncurrent loans to loans | 0.3294% | 6,194 |
| Net loans and leases to total assets | 57.2432% | 4,635 |
| Net loans and leases to deposits | 69.4561% | 4,393 |
| Net loans and leases to core deposits | 73.8062% | 4,476 |
| Total domestic deposits to total assets | 82.4164% | 4,918 |
| Equity capital to assets | 13.3502% | 1,441 |
| Core capital (leverage) ratio | 10.9430% | 2,440 |
| Tier 1 risk-based capital ratio | 14.3225% | 4,112 |
| Total risk-based capital ratio | 15.5727% | 4,076 |
| Memoranda: | ||
| Average total assets | $200,620,250 | 3,066 |
| Average earning assets | $179,334,750 | 3,120 |
| Average equity | $26,269,250 | 2,456 |
| Average total loans | $120,673,250 | 3,181 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7469% | 4,317 |
| Cost of funding earning assets | 0.4562% | 6,987 |
| Net interest margin | 4.2907% | 1,703 |
| Noninterest income to average assets | 0.2554% | 5,820 |
| Noninterest expense to average assets | 3.3639% | 2,357 |
| Loan and lease loss provision to assets | 0.1854% | 4,065 |
| Net operating income to assets | 0.5325% | 4,368 |
| Return on assets (ROA) | 0.5325% | 4,512 |
| Pretax return on assets | 0.5325% | 4,960 |
| Return on Equity (ROE) | 4.0970% | 4,887 |
| Retained earnings to average equity (ytd only) | 4.0970% | 3,591 |
| Net charge-offs to loans | -0.0068% | 6,625 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,758 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.8544% | 2,578 |
| Assets per employee ($millions) | 3.4323% | 5,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 4,224 |
| Loan loss allowance to noncurrent loans | 712.5000% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.1332% | 6,755 |
| Noncurrent loans to loans | 0.2077% | 6,493 |
| Net loans and leases to total assets | 63.1816% | 3,646 |
| Net loans and leases to deposits | 75.5473% | 3,552 |
| Net loans and leases to core deposits | 80.3504% | 3,733 |
| Total domestic deposits to total assets | 83.6318% | 4,494 |
| Equity capital to assets | 13.3304% | 1,366 |
| Core capital (leverage) ratio | 9.5286% | 3,913 |
| Tier 1 risk-based capital ratio | 12.8083% | 5,082 |
| Total risk-based capital ratio | 14.0593% | 5,057 |
| Memoranda: | ||
| Average total assets | $194,179,000 | 3,165 |
| Average earning assets | $173,167,000 | 3,219 |
| Average equity | $25,238,000 | 2,533 |
| Average total loans | $118,292,000 | 3,260 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5641% | 5,108 |
| Cost of funding earning assets | 0.4718% | 7,059 |
| Net interest margin | 4.0923% | 2,295 |
| Noninterest income to average assets | 0.2582% | 5,829 |
| Noninterest expense to average assets | 3.3080% | 2,534 |
| Loan and lease loss provision to assets | 0.1845% | 3,766 |
| Net operating income to assets | 0.4284% | 4,813 |
| Return on assets (ROA) | 0.4284% | 4,903 |
| Pretax return on assets | 0.4284% | 5,251 |
| Return on Equity (ROE) | 3.3379% | 5,218 |
| Retained earnings to average equity (ytd only) | 3.3379% | 4,178 |
| Net charge-offs to loans | 0.0069% | 5,025 |
| Credit loss provision to net charge-offs | 4,500.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 149.5000% | 207 |
| Efficiency ratio | 80.7109% | 2,407 |
| Assets per employee ($millions) | 3.6627% | 4,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5241% | 4,093 |
| Loan loss allowance to noncurrent loans | 675.0000% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.1319% | 6,836 |
| Noncurrent loans to loans | 0.2258% | 6,528 |
| Net loans and leases to total assets | 57.5135% | 4,721 |
| Net loans and leases to deposits | 69.8145% | 4,371 |
| Net loans and leases to core deposits | 74.6974% | 4,462 |
| Total domestic deposits to total assets | 82.3804% | 5,156 |
| Equity capital to assets | 13.0478% | 1,362 |
| Core capital (leverage) ratio | 9.4805% | 3,842 |
| Tier 1 risk-based capital ratio | 13.8583% | 4,170 |
| Total risk-based capital ratio | 15.1096% | 4,144 |
| Memoranda: | ||
| Average total assets | $195,164,500 | 3,173 |
| Average earning assets | $174,668,500 | 3,227 |
| Average equity | $25,046,000 | 2,538 |
| Average total loans | $115,806,000 | 3,344 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8726% | 5,146 |
| Cost of funding earning assets | 0.5955% | 7,139 |
| Net interest margin | 4.2771% | 1,897 |
| Noninterest income to average assets | 0.2555% | 5,973 |
| Noninterest expense to average assets | 3.6547% | 1,800 |
| Loan and lease loss provision to assets | 0.2129% | 5,128 |
| Net operating income to assets | 0.1767% | 5,354 |
| Return on assets (ROA) | 0.1464% | 5,607 |
| Pretax return on assets | 0.1365% | 5,629 |
| Return on Equity (ROE) | 1.1147% | 5,664 |
| Retained earnings to average equity (ytd only) | 1.1147% | 4,988 |
| Net charge-offs to loans | 0.0426% | 6,380 |
| Credit loss provision to net charge-offs | 811.1111% | 266 |
| Earnings coverage of net charge-offs (x) | 14.4667% | 1,337 |
| Efficiency ratio | 85.9621% | 1,702 |
| Assets per employee ($millions) | 3.8471% | 4,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3871% | 4,575 |
| Loan loss allowance to noncurrent loans | 640.6250% | 526 |
| Noncurrent assets plus other real estate owned to assets | 0.1407% | 6,880 |
| Noncurrent loans to loans | 0.2165% | 6,636 |
| Net loans and leases to total assets | 59.4259% | 4,770 |
| Net loans and leases to deposits | 71.3025% | 4,638 |
| Net loans and leases to core deposits | 75.7210% | 4,759 |
| Total domestic deposits to total assets | 83.3434% | 4,663 |
| Equity capital to assets | 12.6210% | 1,565 |
| Core capital (leverage) ratio | 9.7034% | 3,427 |
| Tier 1 risk-based capital ratio | 12.8918% | 4,692 |
| Total risk-based capital ratio | 14.1416% | 4,662 |
| Memoranda: | ||
| Average total assets | $171,450,800 | 3,508 |
| Average earning assets | $151,480,200 | 3,612 |
| Average equity | $22,517,400 | 2,821 |
| Average total loans | $105,745,600 | 3,635 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8705% | 5,395 |
| Cost of funding earning assets | 0.6271% | 7,234 |
| Net interest margin | 4.2434% | 2,057 |
| Noninterest income to average assets | 0.2566% | 6,063 |
| Noninterest expense to average assets | 3.7886% | 1,388 |
| Loan and lease loss provision to assets | 0.2178% | 4,891 |
| Net operating income to assets | -0.0073% | 6,012 |
| Return on assets (ROA) | -0.0073% | 6,141 |
| Pretax return on assets | -0.0210% | 6,120 |
| Return on Equity (ROE) | -0.0547% | 6,141 |
| Retained earnings to average equity (ytd only) | -0.0547% | 5,800 |
| Net charge-offs to loans | 0.0585% | 5,927 |
| Credit loss provision to net charge-offs | 600.0000% | 484 |
| Earnings coverage of net charge-offs (x) | 5.4222% | 2,748 |
| Efficiency ratio | 90.0810% | 1,282 |
| Assets per employee ($millions) | 3.5032% | 4,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4094% | 4,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0114% | 7,339 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 61.6610% | 4,598 |
| Net loans and leases to deposits | 73.8467% | 4,542 |
| Net loans and leases to core deposits | 78.8440% | 4,693 |
| Total domestic deposits to total assets | 83.4986% | 4,378 |
| Equity capital to assets | 12.6130% | 1,802 |
| Core capital (leverage) ratio | 8.4458% | 5,612 |
| Tier 1 risk-based capital ratio | 11.4786% | 5,958 |
| Total risk-based capital ratio | 12.7289% | 5,938 |
| Memoranda: | ||
| Average total assets | $165,262,500 | 3,664 |
| Average earning assets | $145,225,000 | 3,762 |
| Average equity | $21,956,000 | 2,921 |
| Average total loans | $102,623,000 | 3,779 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7546% | 5,954 |
| Cost of funding earning assets | 0.6527% | 7,289 |
| Net interest margin | 4.1020% | 2,547 |
| Noninterest income to average assets | 0.2618% | 6,043 |
| Noninterest expense to average assets | 3.8330% | 1,300 |
| Loan and lease loss provision to assets | 0.2223% | 4,675 |
| Net operating income to assets | -0.1791% | 6,330 |
| Return on assets (ROA) | -0.1791% | 6,386 |
| Pretax return on assets | -0.2000% | 6,338 |
| Return on Equity (ROE) | -1.3236% | 6,356 |
| Retained earnings to average equity (ytd only) | -1.3236% | 6,033 |
| Net charge-offs to loans | 0.0917% | 5,215 |
| Credit loss provision to net charge-offs | 391.3043% | 924 |
| Earnings coverage of net charge-offs (x) | 0.3913% | 5,345 |
| Efficiency ratio | 94.1704% | 1,060 |
| Assets per employee ($millions) | 3.1587% | 5,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3670% | 4,591 |
| Loan loss allowance to noncurrent loans | 338.9277% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.2734% | 6,724 |
| Noncurrent loans to loans | 0.4033% | 6,437 |
| Net loans and leases to total assets | 63.8721% | 4,293 |
| Net loans and leases to deposits | 76.4177% | 4,252 |
| Net loans and leases to core deposits | 81.9834% | 4,419 |
| Total domestic deposits to total assets | 83.5830% | 4,299 |
| Equity capital to assets | 13.2992% | 1,440 |
| Core capital (leverage) ratio | 9.0673% | 4,497 |
| Tier 1 risk-based capital ratio | 11.6576% | 5,624 |
| Total risk-based capital ratio | 12.8973% | 5,591 |
| Memoranda: | ||
| Average total assets | $161,963,000 | 3,745 |
| Average earning assets | $141,882,330 | 3,867 |
| Average equity | $21,910,330 | 2,928 |
| Average total loans | $100,314,000 | 3,887 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6212% | 6,498 |
| Cost of funding earning assets | 0.6869% | 7,359 |
| Net interest margin | 3.9343% | 3,176 |
| Noninterest income to average assets | 0.2636% | 6,043 |
| Noninterest expense to average assets | 3.8503% | 1,244 |
| Loan and lease loss provision to assets | 0.2239% | 4,256 |
| Net operating income to assets | -0.3209% | 6,685 |
| Return on assets (ROA) | -0.3209% | 6,737 |
| Pretax return on assets | -0.3631% | 6,692 |
| Return on Equity (ROE) | -2.3515% | 6,676 |
| Retained earnings to average equity (ytd only) | -2.3515% | 6,266 |
| Net charge-offs to loans | -0.0082% | 6,862 |
| Credit loss provision to net charge-offs | -4,500.0000% | 6,629 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.2574% | 911 |
| Assets per employee ($millions) | 2.9639% | 6,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4373% | 4,225 |
| Loan loss allowance to noncurrent loans | 1,517.2043% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0603% | 7,334 |
| Noncurrent loans to loans | 0.0947% | 7,159 |
| Net loans and leases to total assets | 62.7800% | 4,592 |
| Net loans and leases to deposits | 78.0132% | 4,038 |
| Net loans and leases to core deposits | 83.1856% | 4,315 |
| Total domestic deposits to total assets | 80.4735% | 5,630 |
| Equity capital to assets | 14.2028% | 1,094 |
| Core capital (leverage) ratio | 9.2559% | 4,126 |
| Tier 1 risk-based capital ratio | 12.6465% | 4,603 |
| Total risk-based capital ratio | 13.8975% | 4,571 |
| Memoranda: | ||
| Average total assets | $160,819,500 | 3,826 |
| Average earning assets | $140,914,500 | 3,941 |
| Average equity | $21,943,500 | 2,955 |
| Average total loans | $97,289,000 | 4,042 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6620% | 7,194 |
| Cost of funding earning assets | 0.9186% | 7,365 |
| Net interest margin | 3.7434% | 3,936 |
| Noninterest income to average assets | 0.3226% | 5,780 |
| Noninterest expense to average assets | 4.2745% | 1,016 |
| Loan and lease loss provision to assets | 0.2736% | 5,221 |
| Net operating income to assets | -0.8628% | 6,483 |
| Return on assets (ROA) | -0.8007% | 6,437 |
| Pretax return on assets | -0.9203% | 6,358 |
| Return on Equity (ROE) | -5.0859% | 6,220 |
| Retained earnings to average equity (ytd only) | -5.0859% | 6,033 |
| Net charge-offs to loans | 0.0314% | 6,811 |
| Credit loss provision to net charge-offs | 1,520.0000% | 205 |
| Earnings coverage of net charge-offs (x) | -39.8800% | 7,208 |
| Efficiency ratio | 112.7556% | 750 |
| Assets per employee ($millions) | 3.1607% | 5,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3692% | 4,392 |
| Loan loss allowance to noncurrent loans | 7,333.3333% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0107% | 7,505 |
| Noncurrent loans to loans | 0.0187% | 7,393 |
| Net loans and leases to total assets | 56.7639% | 5,861 |
| Net loans and leases to deposits | 75.5758% | 4,812 |
| Net loans and leases to core deposits | 93.4131% | 4,737 |
| Total domestic deposits to total assets | 75.1085% | 6,845 |
| Equity capital to assets | 13.1314% | 1,456 |
| Core capital (leverage) ratio | 9.0283% | 4,374 |
| Tier 1 risk-based capital ratio | 13.0749% | 4,094 |
| Total risk-based capital ratio | 14.3255% | 4,040 |
| Memoranda: | ||
| Average total assets | $138,871,400 | 4,146 |
| Average earning assets | $119,969,800 | 4,317 |
| Average equity | $21,864,200 | 2,961 |
| Average total loans | $79,711,200 | 4,520 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7086% | 7,271 |
| Cost of funding earning assets | 0.9556% | 7,476 |
| Net interest margin | 3.7529% | 3,852 |
| Noninterest income to average assets | 0.3695% | 5,557 |
| Noninterest expense to average assets | 4.5229% | 726 |
| Loan and lease loss provision to assets | 0.3189% | 4,437 |
| Net operating income to assets | -1.0801% | 6,885 |
| Return on assets (ROA) | -1.0801% | 6,890 |
| Pretax return on assets | -1.2482% | 6,837 |
| Return on Equity (ROE) | -6.5166% | 6,610 |
| Retained earnings to average equity (ytd only) | -6.5166% | 6,448 |
| Net charge-offs to loans | 0.0071% | 6,864 |
| Credit loss provision to net charge-offs | 7,875.0000% | 45 |
| Earnings coverage of net charge-offs (x) | -229.6379% | 6,982 |
| Efficiency ratio | 117.9437% | 626 |
| Assets per employee ($millions) | 2.9436% | 6,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4865% | 3,517 |
| Loan loss allowance to noncurrent loans | 4,907.6923% | 81 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 7,549 |
| Noncurrent loans to loans | 0.0303% | 7,442 |
| Net loans and leases to total assets | 55.2473% | 6,239 |
| Net loans and leases to deposits | 75.9509% | 5,054 |
| Net loans and leases to core deposits | 92.3210% | 5,207 |
| Total domestic deposits to total assets | 72.7409% | 7,115 |
| Equity capital to assets | 14.4165% | 1,168 |
| Core capital (leverage) ratio | 9.7940% | 3,525 |
| Tier 1 risk-based capital ratio | 14.1384% | 3,474 |
| Total risk-based capital ratio | 15.3889% | 3,416 |
| Memoranda: | ||
| Average total assets | $131,710,500 | 4,332 |
| Average earning assets | $113,152,750 | 4,509 |
| Average equity | $21,831,000 | 2,995 |
| Average total loans | $75,537,000 | 4,715 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7072% | 7,377 |
| Cost of funding earning assets | 0.9779% | 7,584 |
| Net interest margin | 3.7293% | 3,835 |
| Noninterest income to average assets | 0.3772% | 5,486 |
| Noninterest expense to average assets | 4.6986% | 644 |
| Loan and lease loss provision to assets | 0.4013% | 3,516 |
| Net operating income to assets | -1.2730% | 7,146 |
| Return on assets (ROA) | -1.2730% | 7,155 |
| Pretax return on assets | -1.5394% | 7,103 |
| Return on Equity (ROE) | -7.2912% | 6,829 |
| Retained earnings to average equity (ytd only) | -7.2912% | 6,593 |
| Net charge-offs to loans | 0.0028% | 6,587 |
| Credit loss provision to net charge-offs | 25,000.0000% | 14 |
| Earnings coverage of net charge-offs (x) | -709.0000% | 6,626 |
| Efficiency ratio | 123.5347% | 610 |
| Assets per employee ($millions) | 2.4996% | 7,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5774% | 2,834 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 54.1120% | 6,438 |
| Net loans and leases to deposits | 78.2355% | 4,828 |
| Net loans and leases to core deposits | 93.4582% | 5,180 |
| Total domestic deposits to total assets | 69.1656% | 7,538 |
| Equity capital to assets | 15.8230% | 857 |
| Core capital (leverage) ratio | 10.7511% | 2,605 |
| Tier 1 risk-based capital ratio | 15.9307% | 2,648 |
| Total risk-based capital ratio | 17.1832% | 2,592 |
| Memoranda: | ||
| Average total assets | $124,591,330 | 4,519 |
| Average earning assets | $106,347,330 | 4,714 |
| Average equity | $21,752,330 | 3,001 |
| Average total loans | $72,102,000 | 4,883 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8155% | 7,348 |
| Cost of funding earning assets | 0.9639% | 7,729 |
| Net interest margin | 3.8516% | 3,240 |
| Noninterest income to average assets | 0.3353% | 5,772 |
| Noninterest expense to average assets | 4.7734% | 559 |
| Loan and lease loss provision to assets | 0.4277% | 2,784 |
| Net operating income to assets | -1.3208% | 7,422 |
| Return on assets (ROA) | -1.3208% | 7,435 |
| Pretax return on assets | -1.5980% | 7,404 |
| Return on Equity (ROE) | -7.1634% | 7,161 |
| Retained earnings to average equity (ytd only) | -7.1634% | 6,812 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 123.5518% | 587 |
| Assets per employee ($millions) | 2.6169% | 7,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 2,856 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 52.7941% | 6,608 |
| Net loans and leases to deposits | 77.5750% | 4,994 |
| Net loans and leases to core deposits | 92.7239% | 5,286 |
| Total domestic deposits to total assets | 68.0556% | 7,592 |
| Equity capital to assets | 16.9144% | 733 |
| Core capital (leverage) ratio | 12.7743% | 1,571 |
| Tier 1 risk-based capital ratio | 17.6695% | 2,136 |
| Total risk-based capital ratio | 18.9225% | 2,081 |
| Memoranda: | ||
| Average total assets | $116,897,000 | 4,734 |
| Average earning assets | $99,179,000 | 4,937 |
| Average equity | $21,554,000 | 3,032 |
| Average total loans | $69,673,000 | 4,996 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8819% | 6,128 |
| Cost of funding earning assets | 1.1892% | 7,953 |
| Net interest margin | 4.6927% | 986 |
| Noninterest income to average assets | 0.3821% | 5,626 |
| Noninterest expense to average assets | 3.7758% | 1,802 |
| Loan and lease loss provision to assets | 0.1264% | 5,749 |
| Net operating income to assets | 0.3995% | 5,149 |
| Return on assets (ROA) | 0.3976% | 4,970 |
| Pretax return on assets | 0.3869% | 5,300 |
| Return on Equity (ROE) | 2.0894% | 5,585 |
| Retained earnings to average equity (ytd only) | 2.0894% | 3,937 |
| Net charge-offs to loans | 0.0214% | 6,559 |
| Credit loss provision to net charge-offs | 1,000.0000% | 441 |
| Earnings coverage of net charge-offs (x) | 40.7692% | 908 |
| Efficiency ratio | 78.6135% | 2,821 |
| Assets per employee ($millions) | 2.5084% | 7,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 3,078 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 66.6115% | 4,728 |
| Net loans and leases to deposits | 93.3462% | 2,886 |
| Net loans and leases to core deposits | 105.0750% | 4,289 |
| Total domestic deposits to total assets | 71.3597% | 7,112 |
| Equity capital to assets | 20.4656% | 438 |
| Core capital (leverage) ratio | 12.7950% | 1,626 |
| Tier 1 risk-based capital ratio | 15.8702% | 2,718 |
| Total risk-based capital ratio | 17.1201% | 2,656 |
| Memoranda: | ||
| Average total assets | $102,866,000 | 4,965 |
| Average earning assets | $85,686,800 | 5,242 |
| Average equity | $19,575,400 | 3,295 |
| Average total loans | $60,839,600 | 5,225 |