Home > Community Bank and Trust of Florida > Performance and Condition Ratios
Community Bank and Trust of Florida, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7935% | 4,685 |
| Cost of funding earning assets | 0.6075% | 3,658 |
| Net interest margin | 3.1860% | 4,330 |
| Noninterest income to average assets | 0.7198% | 1,703 |
| Noninterest expense to average assets | 2.5196% | 3,379 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.9251% | 3,254 |
| Return on assets (ROA) | 0.9257% | 3,324 |
| Pretax return on assets | 1.1325% | 3,196 |
| Return on Equity (ROE) | 10.3177% | 2,290 |
| Retained earnings to average equity (ytd only) | -4.7077% | 5,054 |
| Net charge-offs to loans | -0.0602% | 4,879 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0050% | 2,257 |
| Assets per employee ($millions) | 5.6335% | 1,904 |
| Cash dividends to net income (ytd only)* | 145.6272% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3916% | 1,610 |
| Loan loss allowance to noncurrent loans | 3,895.2381% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 4,684 |
| Noncurrent loans to loans | 0.0357% | 4,500 |
| Net loans and leases to total assets | 38.9745% | 4,850 |
| Net loans and leases to deposits | 43.0646% | 4,937 |
| Net loans and leases to core deposits | 45.0395% | 4,936 |
| Total domestic deposits to total assets | 90.5024% | 172 |
| Equity capital to assets | 9.0608% | 4,750 |
| Core capital (leverage) ratio | 8.5757% | 4,906 |
| Tier 1 risk-based capital ratio | 15.2679% | 2,730 |
| Total risk-based capital ratio | 16.2500% | 2,779 |
| Memoranda: | ||
| Average total assets | $742,786,000 | 1,030 |
| Average earning assets | $683,472,000 | 1,025 |
| Average equity | $66,641,000 | 1,270 |
| Average total loans | $301,211,750 | 1,611 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7885% | 4,721 |
| Cost of funding earning assets | 0.6075% | 3,610 |
| Net interest margin | 3.1810% | 4,400 |
| Noninterest income to average assets | 0.7141% | 1,661 |
| Noninterest expense to average assets | 2.5177% | 3,421 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.9085% | 3,248 |
| Return on assets (ROA) | 0.9094% | 3,308 |
| Pretax return on assets | 1.1224% | 3,168 |
| Return on Equity (ROE) | 10.1694% | 2,308 |
| Retained earnings to average equity (ytd only) | 4.4160% | 3,060 |
| Net charge-offs to loans | -0.0534% | 4,838 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1858% | 2,353 |
| Assets per employee ($millions) | 5.7216% | 1,767 |
| Cash dividends to net income (ytd only)* | 56.5758% | 1,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3468% | 1,826 |
| Loan loss allowance to noncurrent loans | 36,672.7273% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0015% | 4,820 |
| Noncurrent loans to loans | 0.0037% | 4,719 |
| Net loans and leases to total assets | 39.1256% | 4,877 |
| Net loans and leases to deposits | 43.3047% | 4,965 |
| Net loans and leases to core deposits | 45.2545% | 4,977 |
| Total domestic deposits to total assets | 90.3494% | 226 |
| Equity capital to assets | 9.2518% | 4,611 |
| Core capital (leverage) ratio | 9.3370% | 4,325 |
| Tier 1 risk-based capital ratio | 15.6844% | 2,552 |
| Total risk-based capital ratio | 16.6231% | 2,603 |
| Memoranda: | ||
| Average total assets | $742,505,330 | 1,033 |
| Average earning assets | $682,744,000 | 1,028 |
| Average equity | $66,395,000 | 1,267 |
| Average total loans | $303,644,000 | 1,604 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7618% | 4,760 |
| Cost of funding earning assets | 0.6073% | 3,530 |
| Net interest margin | 3.1544% | 4,487 |
| Noninterest income to average assets | 0.7010% | 1,612 |
| Noninterest expense to average assets | 2.5343% | 3,407 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8792% | 3,312 |
| Return on assets (ROA) | 0.8792% | 3,362 |
| Pretax return on assets | 1.0792% | 3,208 |
| Return on Equity (ROE) | 10.0100% | 2,369 |
| Retained earnings to average equity (ytd only) | 10.0100% | 1,032 |
| Net charge-offs to loans | -0.0628% | 4,896 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1353% | 2,315 |
| Assets per employee ($millions) | 5.5555% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3113% | 2,039 |
| Loan loss allowance to noncurrent loans | 1,278.5942% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.0427% | 4,625 |
| Noncurrent loans to loans | 0.1026% | 4,278 |
| Net loans and leases to total assets | 41.0731% | 4,859 |
| Net loans and leases to deposits | 45.4202% | 4,945 |
| Net loans and leases to core deposits | 47.4706% | 4,949 |
| Total domestic deposits to total assets | 90.4290% | 310 |
| Equity capital to assets | 9.1574% | 4,569 |
| Core capital (leverage) ratio | 9.3459% | 4,320 |
| Tier 1 risk-based capital ratio | 15.9361% | 2,467 |
| Total risk-based capital ratio | 16.8802% | 2,519 |
| Memoranda: | ||
| Average total assets | $736,133,000 | 1,043 |
| Average earning assets | $679,683,000 | 1,036 |
| Average equity | $64,655,500 | 1,289 |
| Average total loans | $305,701,000 | 1,605 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6470% | 4,746 |
| Cost of funding earning assets | 0.3943% | 4,018 |
| Net interest margin | 3.2527% | 4,373 |
| Noninterest income to average assets | 0.7574% | 1,612 |
| Noninterest expense to average assets | 2.5578% | 3,447 |
| Loan and lease loss provision to assets | -0.1897% | 5,328 |
| Net operating income to assets | 1.0997% | 2,599 |
| Return on assets (ROA) | 1.1010% | 2,590 |
| Pretax return on assets | 1.3704% | 2,236 |
| Return on Equity (ROE) | 13.2988% | 1,236 |
| Retained earnings to average equity (ytd only) | 8.9717% | 877 |
| Net charge-offs to loans | -0.3688% | 5,321 |
| Credit loss provision to net charge-offs | 125.3482% | 2,092 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4448% | 2,476 |
| Assets per employee ($millions) | 5.5145% | 1,938 |
| Cash dividends to net income (ytd only)* | 32.5380% | 2,916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 2,091 |
| Loan loss allowance to noncurrent loans | 15,816.0000% | 58 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 4,915 |
| Noncurrent loans to loans | 0.0082% | 4,782 |
| Net loans and leases to total assets | 40.9027% | 4,912 |
| Net loans and leases to deposits | 44.8724% | 5,009 |
| Net loans and leases to core deposits | 46.7771% | 5,012 |
| Total domestic deposits to total assets | 91.1535% | 172 |
| Equity capital to assets | 8.4117% | 4,982 |
| Core capital (leverage) ratio | 9.4579% | 4,161 |
| Tier 1 risk-based capital ratio | 15.0572% | 2,805 |
| Total risk-based capital ratio | 15.9603% | 2,891 |
| Memoranda: | ||
| Average total assets | $711,816,800 | 1,047 |
| Average earning assets | $652,078,400 | 1,052 |
| Average equity | $58,930,000 | 1,341 |
| Average total loans | $292,059,400 | 1,629 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6181% | 4,770 |
| Cost of funding earning assets | 0.3663% | 4,076 |
| Net interest margin | 3.2518% | 4,397 |
| Noninterest income to average assets | 0.7472% | 1,687 |
| Noninterest expense to average assets | 2.5700% | 3,383 |
| Loan and lease loss provision to assets | -0.2553% | 5,421 |
| Net operating income to assets | 1.1287% | 2,538 |
| Return on assets (ROA) | 1.1303% | 2,541 |
| Pretax return on assets | 1.4077% | 2,197 |
| Return on Equity (ROE) | 13.7108% | 1,196 |
| Retained earnings to average equity (ytd only) | 8.3201% | 1,505 |
| Net charge-offs to loans | -0.4750% | 5,395 |
| Credit loss provision to net charge-offs | 131.3230% | 1,876 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0794% | 2,344 |
| Assets per employee ($millions) | 5.4022% | 2,017 |
| Cash dividends to net income (ytd only)* | 39.3175% | 2,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 1,998 |
| Loan loss allowance to noncurrent loans | 13,016.6667% | 64 |
| Noncurrent assets plus other real estate owned to assets | 0.0043% | 5,012 |
| Noncurrent loans to loans | 0.0101% | 4,880 |
| Net loans and leases to total assets | 41.5835% | 4,979 |
| Net loans and leases to deposits | 45.9725% | 5,053 |
| Net loans and leases to core deposits | 47.8947% | 5,067 |
| Total domestic deposits to total assets | 90.4529% | 360 |
| Equity capital to assets | 8.2293% | 5,070 |
| Core capital (leverage) ratio | 9.2640% | 4,438 |
| Tier 1 risk-based capital ratio | 14.6541% | 3,042 |
| Total risk-based capital ratio | 15.5444% | 3,132 |
| Memoranda: | ||
| Average total assets | $705,034,500 | 1,055 |
| Average earning assets | $644,627,250 | 1,058 |
| Average equity | $58,123,000 | 1,357 |
| Average total loans | $288,523,500 | 1,648 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5644% | 4,821 |
| Cost of funding earning assets | 0.3389% | 4,138 |
| Net interest margin | 3.2255% | 4,448 |
| Noninterest income to average assets | 0.7204% | 1,792 |
| Noninterest expense to average assets | 2.5135% | 3,597 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9496% | 3,239 |
| Return on assets (ROA) | 0.9522% | 3,234 |
| Pretax return on assets | 1.1678% | 3,059 |
| Return on Equity (ROE) | 11.5433% | 1,891 |
| Retained earnings to average equity (ytd only) | 5.1895% | 2,978 |
| Net charge-offs to loans | -0.5915% | 5,454 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3355% | 2,587 |
| Assets per employee ($millions) | 5.3503% | 2,045 |
| Cash dividends to net income (ytd only)* | 55.0431% | 1,496 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8045% | 748 |
| Loan loss allowance to noncurrent loans | 958.9792% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.0749% | 4,636 |
| Noncurrent loans to loans | 0.1882% | 4,067 |
| Net loans and leases to total assets | 39.0895% | 5,088 |
| Net loans and leases to deposits | 42.7026% | 5,174 |
| Net loans and leases to core deposits | 44.3463% | 5,188 |
| Total domestic deposits to total assets | 91.5388% | 145 |
| Equity capital to assets | 8.0672% | 5,199 |
| Core capital (leverage) ratio | 8.8347% | 4,856 |
| Tier 1 risk-based capital ratio | 14.9520% | 2,896 |
| Total risk-based capital ratio | 16.1724% | 2,832 |
| Memoranda: | ||
| Average total assets | $705,951,330 | 1,054 |
| Average earning assets | $647,350,000 | 1,056 |
| Average equity | $58,233,000 | 1,356 |
| Average total loans | $286,051,670 | 1,659 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5099% | 4,863 |
| Cost of funding earning assets | 0.3096% | 4,267 |
| Net interest margin | 3.2003% | 4,456 |
| Noninterest income to average assets | 0.7328% | 1,692 |
| Noninterest expense to average assets | 2.4823% | 3,702 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9646% | 3,011 |
| Return on assets (ROA) | 0.9697% | 3,015 |
| Pretax return on assets | 1.1856% | 2,820 |
| Return on Equity (ROE) | 11.6270% | 1,715 |
| Retained earnings to average equity (ytd only) | 11.6270% | 759 |
| Net charge-offs to loans | 0.0014% | 2,684 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 2,081.0000% | 24 |
| Efficiency ratio | 67.7914% | 2,866 |
| Assets per employee ($millions) | 5.2778% | 2,155 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4572% | 1,630 |
| Loan loss allowance to noncurrent loans | 3,581.3559% | 209 |
| Noncurrent assets plus other real estate owned to assets | 0.0168% | 5,036 |
| Noncurrent loans to loans | 0.0407% | 4,787 |
| Net loans and leases to total assets | 40.7144% | 5,041 |
| Net loans and leases to deposits | 44.5695% | 5,138 |
| Net loans and leases to core deposits | 46.3376% | 5,151 |
| Total domestic deposits to total assets | 91.3504% | 217 |
| Equity capital to assets | 8.2282% | 5,162 |
| Core capital (leverage) ratio | 8.9904% | 4,686 |
| Tier 1 risk-based capital ratio | 14.8248% | 2,967 |
| Total risk-based capital ratio | 15.8296% | 2,985 |
| Memoranda: | ||
| Average total assets | $705,810,000 | 1,058 |
| Average earning assets | $645,937,000 | 1,069 |
| Average equity | $58,863,000 | 1,353 |
| Average total loans | $288,509,500 | 1,662 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4499% | 4,863 |
| Cost of funding earning assets | 0.2955% | 4,184 |
| Net interest margin | 3.1544% | 4,558 |
| Noninterest income to average assets | 0.6536% | 2,180 |
| Noninterest expense to average assets | 2.4235% | 4,009 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.7519% | 3,385 |
| Return on assets (ROA) | 0.7523% | 3,423 |
| Pretax return on assets | 1.1318% | 3,055 |
| Return on Equity (ROE) | 8.8500% | 2,382 |
| Retained earnings to average equity (ytd only) | 7.1477% | 1,022 |
| Net charge-offs to loans | -0.0473% | 5,170 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1768% | 2,861 |
| Assets per employee ($millions) | 5.4174% | 2,028 |
| Cash dividends to net income (ytd only)* | 19.2345% | 3,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4728% | 1,498 |
| Loan loss allowance to noncurrent loans | 3,464.7541% | 232 |
| Noncurrent assets plus other real estate owned to assets | 0.0172% | 5,072 |
| Noncurrent loans to loans | 0.0425% | 4,807 |
| Net loans and leases to total assets | 39.8455% | 5,137 |
| Net loans and leases to deposits | 43.7070% | 5,256 |
| Net loans and leases to core deposits | 45.4216% | 5,250 |
| Total domestic deposits to total assets | 91.1650% | 205 |
| Equity capital to assets | 8.4502% | 5,157 |
| Core capital (leverage) ratio | 8.4192% | 5,206 |
| Tier 1 risk-based capital ratio | 13.1211% | 3,836 |
| Total risk-based capital ratio | 14.0357% | 3,937 |
| Memoranda: | ||
| Average total assets | $691,120,200 | 1,056 |
| Average earning assets | $635,621,800 | 1,062 |
| Average equity | $58,745,800 | 1,334 |
| Average total loans | $277,204,000 | 1,673 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4198% | 4,939 |
| Cost of funding earning assets | 0.2936% | 4,192 |
| Net interest margin | 3.1262% | 4,632 |
| Noninterest income to average assets | 0.6635% | 2,148 |
| Noninterest expense to average assets | 2.4604% | 3,852 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.8089% | 3,485 |
| Return on assets (ROA) | 0.8089% | 3,534 |
| Pretax return on assets | 1.0752% | 3,402 |
| Return on Equity (ROE) | 9.5024% | 2,349 |
| Retained earnings to average equity (ytd only) | 9.5024% | 706 |
| Net charge-offs to loans | -0.0262% | 4,948 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5891% | 2,603 |
| Assets per employee ($millions) | 5.5266% | 1,900 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5139% | 1,488 |
| Loan loss allowance to noncurrent loans | 2,034.3137% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.0280% | 5,107 |
| Noncurrent loans to loans | 0.0744% | 4,778 |
| Net loans and leases to total assets | 37.0073% | 5,307 |
| Net loans and leases to deposits | 40.5845% | 5,405 |
| Net loans and leases to core deposits | 42.1463% | 5,414 |
| Total domestic deposits to total assets | 91.1859% | 145 |
| Equity capital to assets | 8.4477% | 5,320 |
| Core capital (leverage) ratio | 8.6058% | 5,153 |
| Tier 1 risk-based capital ratio | 15.5947% | 2,673 |
| Total risk-based capital ratio | 16.6624% | 2,689 |
| Memoranda: | ||
| Average total assets | $686,481,000 | 1,068 |
| Average earning assets | $630,701,750 | 1,071 |
| Average equity | $58,440,000 | 1,352 |
| Average total loans | $274,754,750 | 1,692 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4337% | 4,905 |
| Cost of funding earning assets | 0.2927% | 4,153 |
| Net interest margin | 3.1410% | 4,571 |
| Noninterest income to average assets | 0.6752% | 2,099 |
| Noninterest expense to average assets | 2.4974% | 3,760 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.7975% | 3,413 |
| Return on assets (ROA) | 0.7975% | 3,469 |
| Pretax return on assets | 1.0578% | 3,348 |
| Return on Equity (ROE) | 9.3416% | 2,336 |
| Retained earnings to average equity (ytd only) | 9.3416% | 745 |
| Net charge-offs to loans | -0.0342% | 5,020 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2461% | 2,633 |
| Assets per employee ($millions) | 5.4491% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5012% | 1,576 |
| Loan loss allowance to noncurrent loans | 1,423.7113% | 446 |
| Noncurrent assets plus other real estate owned to assets | 0.0411% | 5,084 |
| Noncurrent loans to loans | 0.1054% | 4,708 |
| Net loans and leases to total assets | 38.3749% | 5,290 |
| Net loans and leases to deposits | 42.1209% | 5,396 |
| Net loans and leases to core deposits | 43.7552% | 5,402 |
| Total domestic deposits to total assets | 91.1066% | 199 |
| Equity capital to assets | 8.5501% | 5,271 |
| Core capital (leverage) ratio | 8.6238% | 5,117 |
| Tier 1 risk-based capital ratio | 15.1414% | 2,868 |
| Total risk-based capital ratio | 16.2024% | 2,885 |
| Memoranda: | ||
| Average total assets | $672,137,330 | 1,090 |
| Average earning assets | $616,305,000 | 1,098 |
| Average equity | $57,377,670 | 1,379 |
| Average total loans | $274,965,330 | 1,692 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3869% | 4,953 |
| Cost of funding earning assets | 0.2958% | 4,092 |
| Net interest margin | 3.0911% | 4,676 |
| Noninterest income to average assets | 0.7095% | 1,920 |
| Noninterest expense to average assets | 2.5388% | 3,694 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.7645% | 3,405 |
| Return on assets (ROA) | 0.7645% | 3,455 |
| Pretax return on assets | 1.0024% | 3,363 |
| Return on Equity (ROE) | 8.9634% | 2,440 |
| Retained earnings to average equity (ytd only) | 8.9634% | 1,096 |
| Net charge-offs to loans | -0.0845% | 5,393 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6926% | 2,629 |
| Assets per employee ($millions) | 5.0940% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5053% | 1,675 |
| Loan loss allowance to noncurrent loans | 1,096.0422% | 567 |
| Noncurrent assets plus other real estate owned to assets | 0.0572% | 5,064 |
| Noncurrent loans to loans | 0.1373% | 4,644 |
| Net loans and leases to total assets | 41.0448% | 5,207 |
| Net loans and leases to deposits | 45.0888% | 5,328 |
| Net loans and leases to core deposits | 46.9029% | 5,340 |
| Total domestic deposits to total assets | 91.0310% | 293 |
| Equity capital to assets | 8.6007% | 5,155 |
| Core capital (leverage) ratio | 8.8681% | 4,885 |
| Tier 1 risk-based capital ratio | 15.0592% | 2,940 |
| Total risk-based capital ratio | 16.1435% | 2,950 |
| Memoranda: | ||
| Average total assets | $654,012,000 | 1,118 |
| Average earning assets | $599,133,000 | 1,131 |
| Average equity | $55,782,500 | 1,413 |
| Average total loans | $274,455,000 | 1,704 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3582% | 5,060 |
| Cost of funding earning assets | 0.2882% | 4,189 |
| Net interest margin | 3.0701% | 4,800 |
| Noninterest income to average assets | 0.6730% | 2,301 |
| Noninterest expense to average assets | 2.4507% | 4,161 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7820% | 3,394 |
| Return on assets (ROA) | 0.7826% | 3,488 |
| Pretax return on assets | 1.0298% | 3,369 |
| Return on Equity (ROE) | 8.9310% | 2,451 |
| Retained earnings to average equity (ytd only) | 0.7867% | 5,004 |
| Net charge-offs to loans | 0.0116% | 3,885 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 218.6129% | 319 |
| Efficiency ratio | 70.4281% | 2,838 |
| Assets per employee ($millions) | 4.9677% | 2,430 |
| Cash dividends to net income (ytd only)* | 91.1913% | 562 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 1,662 |
| Loan loss allowance to noncurrent loans | 904.1943% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0701% | 5,050 |
| Noncurrent loans to loans | 0.1660% | 4,568 |
| Net loans and leases to total assets | 41.6308% | 5,247 |
| Net loans and leases to deposits | 45.6714% | 5,378 |
| Net loans and leases to core deposits | 47.5542% | 5,387 |
| Total domestic deposits to total assets | 91.1528% | 233 |
| Equity capital to assets | 8.4560% | 5,304 |
| Core capital (leverage) ratio | 8.6283% | 5,142 |
| Tier 1 risk-based capital ratio | 15.2371% | 2,867 |
| Total risk-based capital ratio | 16.3428% | 2,859 |
| Memoranda: | ||
| Average total assets | $658,586,600 | 1,080 |
| Average earning assets | $602,102,000 | 1,084 |
| Average equity | $57,709,200 | 1,330 |
| Average total loans | $267,422,400 | 1,690 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3197% | 5,185 |
| Cost of funding earning assets | 0.2853% | 4,249 |
| Net interest margin | 3.0345% | 4,941 |
| Noninterest income to average assets | 0.6796% | 2,268 |
| Noninterest expense to average assets | 2.4531% | 4,123 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7620% | 3,551 |
| Return on assets (ROA) | 0.7696% | 3,659 |
| Pretax return on assets | 1.0076% | 3,602 |
| Return on Equity (ROE) | 8.7087% | 2,659 |
| Retained earnings to average equity (ytd only) | -2.0062% | 5,594 |
| Net charge-offs to loans | -0.0767% | 5,494 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0924% | 2,724 |
| Assets per employee ($millions) | 5.3538% | 2,000 |
| Cash dividends to net income (ytd only)* | 123.0366% | 214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5897% | 1,508 |
| Loan loss allowance to noncurrent loans | 269.0132% | 1,783 |
| Noncurrent assets plus other real estate owned to assets | 0.2647% | 4,379 |
| Noncurrent loans to loans | 0.5910% | 3,236 |
| Net loans and leases to total assets | 38.9661% | 5,429 |
| Net loans and leases to deposits | 42.8623% | 5,552 |
| Net loans and leases to core deposits | 44.4533% | 5,567 |
| Total domestic deposits to total assets | 90.9099% | 211 |
| Equity capital to assets | 8.6993% | 5,398 |
| Core capital (leverage) ratio | 8.2038% | 5,575 |
| Tier 1 risk-based capital ratio | 15.2405% | 2,936 |
| Total risk-based capital ratio | 16.4241% | 2,905 |
| Memoranda: | ||
| Average total assets | $661,783,000 | 1,071 |
| Average earning assets | $604,331,750 | 1,083 |
| Average equity | $58,484,250 | 1,329 |
| Average total loans | $266,041,000 | 1,698 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3527% | 5,179 |
| Cost of funding earning assets | 0.2869% | 4,277 |
| Net interest margin | 3.0658% | 4,930 |
| Noninterest income to average assets | 0.7088% | 2,104 |
| Noninterest expense to average assets | 2.4574% | 4,155 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7892% | 3,362 |
| Return on assets (ROA) | 0.8006% | 3,446 |
| Pretax return on assets | 1.0629% | 3,350 |
| Return on Equity (ROE) | 9.0110% | 2,488 |
| Retained earnings to average equity (ytd only) | -7.1230% | 5,824 |
| Net charge-offs to loans | -0.0694% | 5,497 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1096% | 2,967 |
| Assets per employee ($millions) | 5.2747% | 2,008 |
| Cash dividends to net income (ytd only)* | 179.0476% | 147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5989% | 1,532 |
| Loan loss allowance to noncurrent loans | 84.1276% | 4,027 |
| Noncurrent assets plus other real estate owned to assets | 0.7983% | 2,598 |
| Noncurrent loans to loans | 1.9005% | 1,064 |
| Net loans and leases to total assets | 38.4583% | 5,495 |
| Net loans and leases to deposits | 42.2533% | 5,610 |
| Net loans and leases to core deposits | 43.8131% | 5,632 |
| Total domestic deposits to total assets | 91.0186% | 189 |
| Equity capital to assets | 8.5856% | 5,546 |
| Core capital (leverage) ratio | 8.0260% | 5,714 |
| Tier 1 risk-based capital ratio | 15.4456% | 2,881 |
| Total risk-based capital ratio | 16.6542% | 2,834 |
| Memoranda: | ||
| Average total assets | $655,731,670 | 1,086 |
| Average earning assets | $598,091,330 | 1,095 |
| Average equity | $58,262,330 | 1,338 |
| Average total loans | $264,979,670 | 1,700 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3244% | 5,273 |
| Cost of funding earning assets | 0.2922% | 4,258 |
| Net interest margin | 3.0322% | 5,038 |
| Noninterest income to average assets | 0.6309% | 2,361 |
| Noninterest expense to average assets | 2.4761% | 4,141 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7204% | 3,616 |
| Return on assets (ROA) | 0.7337% | 3,671 |
| Pretax return on assets | 0.9542% | 3,648 |
| Return on Equity (ROE) | 8.1150% | 2,847 |
| Retained earnings to average equity (ytd only) | 3.3213% | 3,834 |
| Net charge-offs to loans | -0.1009% | 5,639 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5508% | 2,717 |
| Assets per employee ($millions) | 5.1761% | 2,164 |
| Cash dividends to net income (ytd only)* | 59.0717% | 1,467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5827% | 1,663 |
| Loan loss allowance to noncurrent loans | 257.3006% | 1,831 |
| Noncurrent assets plus other real estate owned to assets | 0.4083% | 3,956 |
| Noncurrent loans to loans | 0.6151% | 3,329 |
| Net loans and leases to total assets | 39.0570% | 5,506 |
| Net loans and leases to deposits | 43.0383% | 5,625 |
| Net loans and leases to core deposits | 44.5785% | 5,637 |
| Total domestic deposits to total assets | 90.7495% | 345 |
| Equity capital to assets | 8.9240% | 5,247 |
| Core capital (leverage) ratio | 8.7965% | 5,078 |
| Tier 1 risk-based capital ratio | 14.6544% | 3,309 |
| Total risk-based capital ratio | 15.7426% | 3,336 |
| Memoranda: | ||
| Average total assets | $646,016,500 | 1,093 |
| Average earning assets | $592,706,000 | 1,099 |
| Average equity | $58,410,000 | 1,324 |
| Average total loans | $265,532,000 | 1,692 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4434% | 5,060 |
| Cost of funding earning assets | 0.3133% | 4,094 |
| Net interest margin | 3.1301% | 4,836 |
| Noninterest income to average assets | 0.6531% | 2,445 |
| Noninterest expense to average assets | 2.5707% | 4,021 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.7425% | 3,609 |
| Return on assets (ROA) | 0.7591% | 3,627 |
| Pretax return on assets | 0.9547% | 3,633 |
| Return on Equity (ROE) | 7.8805% | 3,016 |
| Retained earnings to average equity (ytd only) | -4.7961% | 5,906 |
| Net charge-offs to loans | 0.4590% | 597 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 4.7428% | 3,496 |
| Efficiency ratio | 73.3493% | 2,682 |
| Assets per employee ($millions) | 4.9159% | 2,453 |
| Cash dividends to net income (ytd only)* | 160.8612% | 145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5510% | 1,798 |
| Loan loss allowance to noncurrent loans | 236.6399% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 0.4549% | 3,788 |
| Noncurrent loans to loans | 0.6554% | 3,225 |
| Net loans and leases to total assets | 41.9584% | 5,411 |
| Net loans and leases to deposits | 46.3537% | 5,547 |
| Net loans and leases to core deposits | 48.2544% | 5,558 |
| Total domestic deposits to total assets | 90.5178% | 430 |
| Equity capital to assets | 9.1673% | 4,953 |
| Core capital (leverage) ratio | 8.8261% | 5,079 |
| Tier 1 risk-based capital ratio | 16.1112% | 2,642 |
| Total risk-based capital ratio | 17.3256% | 2,600 |
| Memoranda: | ||
| Average total assets | $617,966,200 | 1,105 |
| Average earning assets | $562,992,200 | 1,115 |
| Average equity | $59,527,000 | 1,271 |
| Average total loans | $265,137,200 | 1,644 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4432% | 5,110 |
| Cost of funding earning assets | 0.3160% | 4,153 |
| Net interest margin | 3.1273% | 4,887 |
| Noninterest income to average assets | 0.6472% | 2,500 |
| Noninterest expense to average assets | 2.5659% | 3,997 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.7466% | 3,694 |
| Return on assets (ROA) | 0.7616% | 3,722 |
| Pretax return on assets | 0.9431% | 3,840 |
| Return on Equity (ROE) | 7.8112% | 3,185 |
| Retained earnings to average equity (ytd only) | -8.9293% | 6,109 |
| Net charge-offs to loans | 0.5451% | 424 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 3.9465% | 3,430 |
| Efficiency ratio | 73.5126% | 2,636 |
| Assets per employee ($millions) | 5.0558% | 2,234 |
| Cash dividends to net income (ytd only)* | 214.3140% | 71 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6444% | 1,628 |
| Loan loss allowance to noncurrent loans | 196.0884% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.5075% | 3,801 |
| Noncurrent loans to loans | 0.8386% | 2,873 |
| Net loans and leases to total assets | 40.9824% | 5,542 |
| Net loans and leases to deposits | 45.2318% | 5,680 |
| Net loans and leases to core deposits | 47.0231% | 5,692 |
| Total domestic deposits to total assets | 90.6053% | 360 |
| Equity capital to assets | 9.0805% | 5,231 |
| Core capital (leverage) ratio | 8.6854% | 5,366 |
| Tier 1 risk-based capital ratio | 15.9101% | 2,841 |
| Total risk-based capital ratio | 17.1628% | 2,781 |
| Memoranda: | ||
| Average total assets | $616,378,000 | 1,111 |
| Average earning assets | $560,391,500 | 1,119 |
| Average equity | $60,100,500 | 1,273 |
| Average total loans | $264,901,250 | 1,659 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4608% | 5,081 |
| Cost of funding earning assets | 0.3176% | 4,190 |
| Net interest margin | 3.1432% | 4,849 |
| Noninterest income to average assets | 0.6600% | 2,420 |
| Noninterest expense to average assets | 2.4997% | 4,244 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8030% | 3,371 |
| Return on assets (ROA) | 0.8208% | 3,377 |
| Pretax return on assets | 1.0365% | 3,432 |
| Return on Equity (ROE) | 8.2269% | 2,926 |
| Retained earnings to average equity (ytd only) | 7.5745% | 1,439 |
| Net charge-offs to loans | -0.0022% | 4,600 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1401% | 3,139 |
| Assets per employee ($millions) | 4.9083% | 2,391 |
| Cash dividends to net income (ytd only)* | 7.9302% | 3,504 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9890% | 1,006 |
| Loan loss allowance to noncurrent loans | 122.5814% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.7105% | 3,263 |
| Noncurrent loans to loans | 1.6226% | 1,611 |
| Net loans and leases to total assets | 42.2677% | 5,484 |
| Net loans and leases to deposits | 47.0348% | 5,628 |
| Net loans and leases to core deposits | 49.0317% | 5,651 |
| Total domestic deposits to total assets | 89.8648% | 720 |
| Equity capital to assets | 9.8451% | 4,227 |
| Core capital (leverage) ratio | 9.5760% | 4,169 |
| Tier 1 risk-based capital ratio | 17.3038% | 2,283 |
| Total risk-based capital ratio | 18.5620% | 2,244 |
| Memoranda: | ||
| Average total assets | $614,547,670 | 1,123 |
| Average earning assets | $557,963,670 | 1,128 |
| Average equity | $61,311,000 | 1,244 |
| Average total loans | $266,829,000 | 1,648 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4652% | 5,051 |
| Cost of funding earning assets | 0.3217% | 4,202 |
| Net interest margin | 3.1436% | 4,808 |
| Noninterest income to average assets | 0.6339% | 2,477 |
| Noninterest expense to average assets | 2.4807% | 4,321 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8244% | 3,137 |
| Return on assets (ROA) | 0.8260% | 3,259 |
| Pretax return on assets | 1.0063% | 3,471 |
| Return on Equity (ROE) | 8.2243% | 2,842 |
| Retained earnings to average equity (ytd only) | 8.2243% | 1,482 |
| Net charge-offs to loans | -0.2332% | 6,090 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1813% | 3,299 |
| Assets per employee ($millions) | 4.9794% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0110% | 1,053 |
| Loan loss allowance to noncurrent loans | 258.1690% | 1,806 |
| Noncurrent assets plus other real estate owned to assets | 0.4947% | 4,044 |
| Noncurrent loans to loans | 0.7789% | 3,305 |
| Net loans and leases to total assets | 43.7501% | 5,367 |
| Net loans and leases to deposits | 48.9498% | 5,518 |
| Net loans and leases to core deposits | 51.0130% | 5,540 |
| Total domestic deposits to total assets | 89.3775% | 1,057 |
| Equity capital to assets | 10.2493% | 3,833 |
| Core capital (leverage) ratio | 10.1482% | 3,408 |
| Tier 1 risk-based capital ratio | 17.3592% | 2,352 |
| Total risk-based capital ratio | 18.6135% | 2,309 |
| Memoranda: | ||
| Average total assets | $610,145,000 | 1,135 |
| Average earning assets | $553,385,500 | 1,141 |
| Average equity | $61,281,500 | 1,244 |
| Average total loans | $265,831,500 | 1,652 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5616% | 5,185 |
| Cost of funding earning assets | 0.3720% | 4,011 |
| Net interest margin | 3.1896% | 4,959 |
| Noninterest income to average assets | 0.5960% | 2,882 |
| Noninterest expense to average assets | 2.4519% | 4,701 |
| Loan and lease loss provision to assets | -0.2900% | 6,363 |
| Net operating income to assets | 0.9773% | 2,496 |
| Return on assets (ROA) | 0.9887% | 2,521 |
| Pretax return on assets | 1.3504% | 2,074 |
| Return on Equity (ROE) | 9.7548% | 2,216 |
| Retained earnings to average equity (ytd only) | -9.6028% | 6,304 |
| Net charge-offs to loans | 0.1284% | 2,736 |
| Credit loss provision to net charge-offs | -527.1084% | 5,799 |
| Earnings coverage of net charge-offs (x) | 18.9940% | 1,809 |
| Efficiency ratio | 70.1194% | 3,512 |
| Assets per employee ($millions) | 4.9417% | 2,397 |
| Cash dividends to net income (ytd only)* | 198.4414% | 85 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0696% | 995 |
| Loan loss allowance to noncurrent loans | 239.3193% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.6828% | 3,526 |
| Noncurrent loans to loans | 0.8648% | 3,157 |
| Net loans and leases to total assets | 41.6018% | 5,648 |
| Net loans and leases to deposits | 48.5469% | 5,654 |
| Net loans and leases to core deposits | 50.7282% | 5,683 |
| Total domestic deposits to total assets | 85.6941% | 2,988 |
| Equity capital to assets | 9.8367% | 4,305 |
| Core capital (leverage) ratio | 9.8543% | 3,767 |
| Tier 1 risk-based capital ratio | 18.1578% | 2,091 |
| Total risk-based capital ratio | 19.4127% | 2,049 |
| Memoranda: | ||
| Average total assets | $603,536,800 | 1,101 |
| Average earning assets | $548,885,000 | 1,100 |
| Average equity | $61,169,800 | 1,195 |
| Average total loans | $258,477,400 | 1,641 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5758% | 5,209 |
| Cost of funding earning assets | 0.3837% | 3,974 |
| Net interest margin | 3.1920% | 4,994 |
| Noninterest income to average assets | 0.5820% | 2,978 |
| Noninterest expense to average assets | 2.4563% | 4,655 |
| Loan and lease loss provision to assets | -0.3873% | 6,504 |
| Net operating income to assets | 1.0159% | 2,382 |
| Return on assets (ROA) | 1.0315% | 2,376 |
| Pretax return on assets | 1.4396% | 1,850 |
| Return on Equity (ROE) | 10.1025% | 2,170 |
| Retained earnings to average equity (ytd only) | -13.9367% | 6,435 |
| Net charge-offs to loans | -0.0340% | 5,786 |
| Credit loss provision to net charge-offs | 2,651.5152% | 147 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4430% | 3,434 |
| Assets per employee ($millions) | 4.7127% | 2,650 |
| Cash dividends to net income (ytd only)* | 237.9533% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2479% | 880 |
| Loan loss allowance to noncurrent loans | 363.8783% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.6536% | 3,878 |
| Noncurrent loans to loans | 0.6178% | 4,073 |
| Net loans and leases to total assets | 41.7197% | 5,700 |
| Net loans and leases to deposits | 46.3990% | 5,848 |
| Net loans and leases to core deposits | 48.3892% | 5,864 |
| Total domestic deposits to total assets | 89.9153% | 782 |
| Equity capital to assets | 9.7220% | 4,532 |
| Core capital (leverage) ratio | 9.4104% | 4,499 |
| Tier 1 risk-based capital ratio | 18.2014% | 2,147 |
| Total risk-based capital ratio | 19.4582% | 2,105 |
| Memoranda: | ||
| Average total assets | $602,464,250 | 1,107 |
| Average earning assets | $548,266,000 | 1,109 |
| Average equity | $61,514,750 | 1,195 |
| Average total loans | $258,544,000 | 1,645 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5662% | 5,247 |
| Cost of funding earning assets | 0.3912% | 3,982 |
| Net interest margin | 3.1750% | 5,025 |
| Noninterest income to average assets | 0.5714% | 2,982 |
| Noninterest expense to average assets | 2.4227% | 4,813 |
| Loan and lease loss provision to assets | 0.0166% | 3,928 |
| Net operating income to assets | 0.7682% | 3,470 |
| Return on assets (ROA) | 0.7692% | 3,570 |
| Pretax return on assets | 1.0262% | 3,369 |
| Return on Equity (ROE) | 7.4157% | 3,410 |
| Retained earnings to average equity (ytd only) | 3.9314% | 3,681 |
| Net charge-offs to loans | 0.1957% | 1,850 |
| Credit loss provision to net charge-offs | 19.6850% | 3,207 |
| Earnings coverage of net charge-offs (x) | 12.3780% | 2,065 |
| Efficiency ratio | 69.9369% | 3,669 |
| Assets per employee ($millions) | 5.0030% | 2,213 |
| Cash dividends to net income (ytd only)* | 46.9854% | 2,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8461% | 454 |
| Loan loss allowance to noncurrent loans | 444.9784% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.6565% | 4,013 |
| Noncurrent loans to loans | 0.6396% | 4,105 |
| Net loans and leases to total assets | 39.7395% | 5,840 |
| Net loans and leases to deposits | 44.5207% | 5,956 |
| Net loans and leases to core deposits | 46.3743% | 5,977 |
| Total domestic deposits to total assets | 89.2608% | 1,218 |
| Equity capital to assets | 10.4604% | 3,490 |
| Core capital (leverage) ratio | 10.6338% | 2,781 |
| Tier 1 risk-based capital ratio | 20.5184% | 1,563 |
| Total risk-based capital ratio | 21.7805% | 1,530 |
| Memoranda: | ||
| Average total assets | $603,783,000 | 1,106 |
| Average earning assets | $550,104,330 | 1,111 |
| Average equity | $62,624,000 | 1,164 |
| Average total loans | $259,579,330 | 1,631 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5885% | 5,202 |
| Cost of funding earning assets | 0.3851% | 4,141 |
| Net interest margin | 3.2034% | 4,911 |
| Noninterest income to average assets | 0.5770% | 2,874 |
| Noninterest expense to average assets | 2.4343% | 4,832 |
| Loan and lease loss provision to assets | 0.0336% | 3,378 |
| Net operating income to assets | 0.7718% | 3,300 |
| Return on assets (ROA) | 0.7738% | 3,369 |
| Pretax return on assets | 1.0338% | 3,195 |
| Return on Equity (ROE) | 7.4940% | 3,209 |
| Retained earnings to average equity (ytd only) | 1.3726% | 5,064 |
| Net charge-offs to loans | 0.2880% | 1,200 |
| Credit loss provision to net charge-offs | 26.4550% | 2,433 |
| Earnings coverage of net charge-offs (x) | 8.3862% | 2,031 |
| Efficiency ratio | 69.5719% | 3,899 |
| Assets per employee ($millions) | 4.9530% | 2,302 |
| Cash dividends to net income (ytd only)* | 81.6840% | 936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8206% | 526 |
| Loan loss allowance to noncurrent loans | 263.6397% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.7283% | 3,939 |
| Noncurrent loans to loans | 1.0699% | 3,283 |
| Net loans and leases to total assets | 41.2108% | 5,733 |
| Net loans and leases to deposits | 46.1396% | 5,843 |
| Net loans and leases to core deposits | 48.0870% | 5,870 |
| Total domestic deposits to total assets | 89.3177% | 1,464 |
| Equity capital to assets | 10.2744% | 3,512 |
| Core capital (leverage) ratio | 11.0286% | 2,355 |
| Tier 1 risk-based capital ratio | 20.5174% | 1,581 |
| Total risk-based capital ratio | 21.7804% | 1,548 |
| Memoranda: | ||
| Average total assets | $595,489,500 | 1,126 |
| Average earning assets | $543,177,000 | 1,127 |
| Average equity | $61,489,500 | 1,180 |
| Average total loans | $262,492,000 | 1,621 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7192% | 5,072 |
| Cost of funding earning assets | 0.4388% | 4,232 |
| Net interest margin | 3.2805% | 4,737 |
| Noninterest income to average assets | 0.6592% | 2,760 |
| Noninterest expense to average assets | 2.3110% | 5,347 |
| Loan and lease loss provision to assets | 0.2261% | 1,609 |
| Net operating income to assets | 0.7948% | 3,314 |
| Return on assets (ROA) | 0.8108% | 3,333 |
| Pretax return on assets | 1.1284% | 2,855 |
| Return on Equity (ROE) | 7.0380% | 3,543 |
| Retained earnings to average equity (ytd only) | -5.3772% | 6,390 |
| Net charge-offs to loans | 1.0082% | 576 |
| Credit loss provision to net charge-offs | 49.2604% | 3,837 |
| Earnings coverage of net charge-offs (x) | 2.9024% | 4,029 |
| Efficiency ratio | 63.4313% | 4,993 |
| Assets per employee ($millions) | 4.9723% | 2,209 |
| Cash dividends to net income (ytd only)* | 176.4028% | 111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7851% | 612 |
| Loan loss allowance to noncurrent loans | 220.0948% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 1.1338% | 3,130 |
| Noncurrent loans to loans | 1.2654% | 3,014 |
| Net loans and leases to total assets | 44.5556% | 5,620 |
| Net loans and leases to deposits | 49.9058% | 5,777 |
| Net loans and leases to core deposits | 53.5957% | 5,698 |
| Total domestic deposits to total assets | 89.2796% | 1,440 |
| Equity capital to assets | 10.3797% | 3,312 |
| Core capital (leverage) ratio | 10.9654% | 2,423 |
| Tier 1 risk-based capital ratio | 20.1103% | 1,628 |
| Total risk-based capital ratio | 21.3734% | 1,593 |
| Memoranda: | ||
| Average total assets | $589,057,000 | 1,128 |
| Average earning assets | $535,836,600 | 1,128 |
| Average equity | $67,860,200 | 1,051 |
| Average total loans | $268,205,400 | 1,562 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7206% | 5,112 |
| Cost of funding earning assets | 0.4464% | 4,316 |
| Net interest margin | 3.2742% | 4,733 |
| Noninterest income to average assets | 0.6307% | 2,989 |
| Noninterest expense to average assets | 2.2808% | 5,404 |
| Loan and lease loss provision to assets | 0.2031% | 1,786 |
| Net operating income to assets | 0.8018% | 3,334 |
| Return on assets (ROA) | 0.8218% | 3,364 |
| Pretax return on assets | 1.1521% | 2,886 |
| Return on Equity (ROE) | 6.9639% | 3,665 |
| Retained earnings to average equity (ytd only) | 4.2392% | 3,666 |
| Net charge-offs to loans | 0.7277% | 819 |
| Credit loss provision to net charge-offs | 61.3915% | 3,269 |
| Earnings coverage of net charge-offs (x) | 4.0116% | 3,560 |
| Efficiency ratio | 63.2185% | 4,943 |
| Assets per employee ($millions) | 5.3224% | 1,825 |
| Cash dividends to net income (ytd only)* | 39.1268% | 2,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1696% | 467 |
| Loan loss allowance to noncurrent loans | 292.2258% | 1,410 |
| Noncurrent assets plus other real estate owned to assets | 1.3009% | 3,054 |
| Noncurrent loans to loans | 1.0846% | 3,622 |
| Net loans and leases to total assets | 41.4485% | 5,940 |
| Net loans and leases to deposits | 46.7403% | 6,050 |
| Net loans and leases to core deposits | 50.1744% | 6,008 |
| Total domestic deposits to total assets | 88.6782% | 1,735 |
| Equity capital to assets | 11.0195% | 2,739 |
| Core capital (leverage) ratio | 11.7929% | 1,820 |
| Tier 1 risk-based capital ratio | 22.2838% | 1,266 |
| Total risk-based capital ratio | 23.5503% | 1,238 |
| Memoranda: | ||
| Average total assets | $590,881,750 | 1,140 |
| Average earning assets | $537,280,250 | 1,143 |
| Average equity | $69,729,000 | 1,033 |
| Average total loans | $268,598,750 | 1,563 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7743% | 4,914 |
| Cost of funding earning assets | 0.4586% | 4,331 |
| Net interest margin | 3.3157% | 4,508 |
| Noninterest income to average assets | 0.6650% | 2,824 |
| Noninterest expense to average assets | 2.3108% | 5,339 |
| Loan and lease loss provision to assets | 0.2049% | 1,847 |
| Net operating income to assets | 0.8219% | 3,186 |
| Return on assets (ROA) | 0.8518% | 3,184 |
| Pretax return on assets | 1.2097% | 2,630 |
| Return on Equity (ROE) | 7.0567% | 3,567 |
| Retained earnings to average equity (ytd only) | 4.3687% | 3,495 |
| Net charge-offs to loans | 1.2078% | 477 |
| Credit loss provision to net charge-offs | 36.5854% | 3,481 |
| Earnings coverage of net charge-offs (x) | 2.4494% | 3,705 |
| Efficiency ratio | 62.7469% | 5,060 |
| Assets per employee ($millions) | 5.4314% | 1,653 |
| Cash dividends to net income (ytd only)* | 38.0914% | 2,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9207% | 634 |
| Loan loss allowance to noncurrent loans | 256.1241% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 1.3651% | 3,056 |
| Noncurrent loans to loans | 1.1403% | 3,650 |
| Net loans and leases to total assets | 42.7715% | 5,844 |
| Net loans and leases to deposits | 48.3330% | 5,964 |
| Net loans and leases to core deposits | 51.6742% | 5,914 |
| Total domestic deposits to total assets | 88.4934% | 1,917 |
| Equity capital to assets | 11.2175% | 2,544 |
| Core capital (leverage) ratio | 11.5680% | 1,881 |
| Tier 1 risk-based capital ratio | 21.8359% | 1,317 |
| Total risk-based capital ratio | 23.1005% | 1,287 |
| Memoranda: | ||
| Average total assets | $585,592,000 | 1,149 |
| Average earning assets | $532,971,670 | 1,150 |
| Average equity | $70,685,000 | 1,021 |
| Average total loans | $271,558,000 | 1,549 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8484% | 4,652 |
| Cost of funding earning assets | 0.4624% | 4,456 |
| Net interest margin | 3.3860% | 4,172 |
| Noninterest income to average assets | 0.6753% | 2,721 |
| Noninterest expense to average assets | 2.3434% | 5,289 |
| Loan and lease loss provision to assets | 0.2080% | 1,786 |
| Net operating income to assets | 0.8472% | 2,914 |
| Return on assets (ROA) | 0.8632% | 2,983 |
| Pretax return on assets | 1.2334% | 2,454 |
| Return on Equity (ROE) | 6.8963% | 3,550 |
| Retained earnings to average equity (ytd only) | 4.9576% | 3,260 |
| Net charge-offs to loans | 0.2331% | 2,043 |
| Credit loss provision to net charge-offs | 187.5000% | 1,145 |
| Earnings coverage of net charge-offs (x) | 12.7875% | 1,574 |
| Efficiency ratio | 62.2927% | 5,267 |
| Assets per employee ($millions) | 5.2226% | 1,950 |
| Cash dividends to net income (ytd only)* | 28.1124% | 2,139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2715% | 505 |
| Loan loss allowance to noncurrent loans | 321.1642% | 1,241 |
| Noncurrent assets plus other real estate owned to assets | 1.2818% | 3,412 |
| Noncurrent loans to loans | 1.0186% | 4,098 |
| Net loans and leases to total assets | 45.1791% | 5,527 |
| Net loans and leases to deposits | 51.7578% | 5,643 |
| Net loans and leases to core deposits | 55.3900% | 5,570 |
| Total domestic deposits to total assets | 87.2895% | 2,766 |
| Equity capital to assets | 12.3779% | 1,789 |
| Core capital (leverage) ratio | 12.0905% | 1,516 |
| Tier 1 risk-based capital ratio | 21.8780% | 1,353 |
| Total risk-based capital ratio | 23.1474% | 1,322 |
| Memoranda: | ||
| Average total assets | $576,944,500 | 1,174 |
| Average earning assets | $525,935,500 | 1,174 |
| Average equity | $72,213,000 | 1,010 |
| Average total loans | $274,526,000 | 1,549 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2120% | 4,540 |
| Cost of funding earning assets | 0.5690% | 4,655 |
| Net interest margin | 3.6430% | 3,907 |
| Noninterest income to average assets | 0.6057% | 3,248 |
| Noninterest expense to average assets | 2.3145% | 5,653 |
| Loan and lease loss provision to assets | 0.4800% | 1,278 |
| Net operating income to assets | 0.7650% | 3,439 |
| Return on assets (ROA) | 0.8999% | 3,058 |
| Pretax return on assets | 1.3146% | 2,339 |
| Return on Equity (ROE) | 7.1931% | 3,534 |
| Retained earnings to average equity (ytd only) | 7.1931% | 1,476 |
| Net charge-offs to loans | 0.6340% | 1,850 |
| Credit loss provision to net charge-offs | 147.9620% | 1,838 |
| Earnings coverage of net charge-offs (x) | 4.9207% | 3,206 |
| Efficiency ratio | 59.1821% | 5,669 |
| Assets per employee ($millions) | 5.0350% | 2,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1895% | 558 |
| Loan loss allowance to noncurrent loans | 255.6815% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 1.4502% | 3,203 |
| Noncurrent loans to loans | 1.2474% | 3,755 |
| Net loans and leases to total assets | 46.9366% | 5,514 |
| Net loans and leases to deposits | 53.9730% | 5,652 |
| Net loans and leases to core deposits | 58.0853% | 5,533 |
| Total domestic deposits to total assets | 86.9631% | 2,860 |
| Equity capital to assets | 12.6589% | 1,607 |
| Core capital (leverage) ratio | 12.1820% | 1,460 |
| Tier 1 risk-based capital ratio | 21.6771% | 1,324 |
| Total risk-based capital ratio | 22.9460% | 1,298 |
| Memoranda: | ||
| Average total assets | $552,089,800 | 1,214 |
| Average earning assets | $500,878,200 | 1,214 |
| Average equity | $69,066,000 | 1,021 |
| Average total loans | $282,470,200 | 1,476 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2767% | 4,545 |
| Cost of funding earning assets | 0.5941% | 4,707 |
| Net interest margin | 3.6826% | 3,867 |
| Noninterest income to average assets | 0.5631% | 3,521 |
| Noninterest expense to average assets | 2.2956% | 5,689 |
| Loan and lease loss provision to assets | 0.6084% | 895 |
| Net operating income to assets | 0.6816% | 4,001 |
| Return on assets (ROA) | 0.8228% | 3,571 |
| Pretax return on assets | 1.1944% | 3,006 |
| Return on Equity (ROE) | 6.5975% | 4,016 |
| Retained earnings to average equity (ytd only) | 6.5975% | 2,332 |
| Net charge-offs to loans | 0.7874% | 1,404 |
| Credit loss provision to net charge-offs | 148.9869% | 1,897 |
| Earnings coverage of net charge-offs (x) | 3.9136% | 3,458 |
| Efficiency ratio | 58.9563% | 5,670 |
| Assets per employee ($millions) | 4.9625% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1831% | 607 |
| Loan loss allowance to noncurrent loans | 135.6192% | 2,483 |
| Noncurrent assets plus other real estate owned to assets | 2.2302% | 2,391 |
| Noncurrent loans to loans | 2.3471% | 2,456 |
| Net loans and leases to total assets | 48.3754% | 5,505 |
| Net loans and leases to deposits | 55.7744% | 5,655 |
| Net loans and leases to core deposits | 59.9129% | 5,570 |
| Total domestic deposits to total assets | 86.7341% | 2,833 |
| Equity capital to assets | 12.8829% | 1,651 |
| Core capital (leverage) ratio | 12.1718% | 1,549 |
| Tier 1 risk-based capital ratio | 21.4680% | 1,428 |
| Total risk-based capital ratio | 22.7374% | 1,398 |
| Memoranda: | ||
| Average total assets | $547,874,000 | 1,239 |
| Average earning assets | $495,506,250 | 1,242 |
| Average equity | $68,326,750 | 1,037 |
| Average total loans | $284,126,500 | 1,483 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3627% | 4,335 |
| Cost of funding earning assets | 0.6281% | 4,651 |
| Net interest margin | 3.7347% | 3,661 |
| Noninterest income to average assets | 0.4948% | 3,951 |
| Noninterest expense to average assets | 2.2294% | 5,928 |
| Loan and lease loss provision to assets | 0.8228% | 596 |
| Net operating income to assets | 0.5576% | 4,553 |
| Return on assets (ROA) | 0.7471% | 3,896 |
| Pretax return on assets | 1.0858% | 3,352 |
| Return on Equity (ROE) | 6.0580% | 4,297 |
| Retained earnings to average equity (ytd only) | 6.0580% | 2,679 |
| Net charge-offs to loans | 0.7559% | 1,455 |
| Credit loss provision to net charge-offs | 207.3733% | 1,364 |
| Earnings coverage of net charge-offs (x) | 4.1180% | 3,171 |
| Efficiency ratio | 57.7054% | 5,904 |
| Assets per employee ($millions) | 4.9499% | 2,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3112% | 585 |
| Loan loss allowance to noncurrent loans | 158.6892% | 2,118 |
| Noncurrent assets plus other real estate owned to assets | 2.2417% | 2,499 |
| Noncurrent loans to loans | 2.0866% | 2,841 |
| Net loans and leases to total assets | 48.3843% | 5,576 |
| Net loans and leases to deposits | 55.6003% | 5,694 |
| Net loans and leases to core deposits | 59.5718% | 5,636 |
| Total domestic deposits to total assets | 87.0216% | 2,753 |
| Equity capital to assets | 12.6011% | 1,750 |
| Core capital (leverage) ratio | 11.8680% | 1,671 |
| Tier 1 risk-based capital ratio | 21.0356% | 1,476 |
| Total risk-based capital ratio | 22.3062% | 1,444 |
| Memoranda: | ||
| Average total assets | $546,885,330 | 1,239 |
| Average earning assets | $493,270,670 | 1,248 |
| Average equity | $67,447,670 | 1,040 |
| Average total loans | $287,091,330 | 1,475 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4146% | 4,268 |
| Cost of funding earning assets | 0.6721% | 4,521 |
| Net interest margin | 3.7425% | 3,627 |
| Noninterest income to average assets | 0.6576% | 2,884 |
| Noninterest expense to average assets | 2.2075% | 6,024 |
| Loan and lease loss provision to assets | 0.9897% | 425 |
| Net operating income to assets | 0.5828% | 4,428 |
| Return on assets (ROA) | 0.5828% | 4,647 |
| Pretax return on assets | 0.8284% | 4,306 |
| Return on Equity (ROE) | 4.7781% | 4,891 |
| Retained earnings to average equity (ytd only) | 4.7781% | 3,689 |
| Net charge-offs to loans | 0.2961% | 2,478 |
| Credit loss provision to net charge-offs | 622.1198% | 552 |
| Earnings coverage of net charge-offs (x) | 11.4286% | 1,672 |
| Efficiency ratio | 54.8352% | 6,251 |
| Assets per employee ($millions) | 5.0738% | 2,161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1285% | 736 |
| Loan loss allowance to noncurrent loans | 209.8543% | 1,579 |
| Noncurrent assets plus other real estate owned to assets | 2.0081% | 2,886 |
| Noncurrent loans to loans | 1.4908% | 3,882 |
| Net loans and leases to total assets | 51.2626% | 5,109 |
| Net loans and leases to deposits | 58.5892% | 5,310 |
| Net loans and leases to core deposits | 63.8072% | 5,134 |
| Total domestic deposits to total assets | 87.4949% | 2,655 |
| Equity capital to assets | 12.2217% | 1,901 |
| Core capital (leverage) ratio | 11.8589% | 1,671 |
| Tier 1 risk-based capital ratio | 20.0734% | 1,695 |
| Total risk-based capital ratio | 21.3429% | 1,662 |
| Memoranda: | ||
| Average total assets | $545,606,500 | 1,247 |
| Average earning assets | $491,002,500 | 1,255 |
| Average equity | $66,553,500 | 1,053 |
| Average total loans | $293,163,000 | 1,450 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5995% | 4,683 |
| Cost of funding earning assets | 0.9451% | 3,750 |
| Net interest margin | 3.6543% | 4,499 |
| Noninterest income to average assets | 0.3666% | 4,884 |
| Noninterest expense to average assets | 2.1820% | 6,307 |
| Loan and lease loss provision to assets | 1.3106% | 622 |
| Net operating income to assets | 0.1457% | 5,749 |
| Return on assets (ROA) | 0.4738% | 4,735 |
| Pretax return on assets | 0.6373% | 4,569 |
| Return on Equity (ROE) | 4.8140% | 4,473 |
| Retained earnings to average equity (ytd only) | 4.8140% | 2,780 |
| Net charge-offs to loans | 2.1524% | 607 |
| Credit loss provision to net charge-offs | 106.7774% | 3,173 |
| Earnings coverage of net charge-offs (x) | 1.2257% | 4,859 |
| Efficiency ratio | 59.1892% | 5,869 |
| Assets per employee ($millions) | 5.2234% | 1,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6789% | 1,097 |
| Loan loss allowance to noncurrent loans | 148.6148% | 2,148 |
| Noncurrent assets plus other real estate owned to assets | 2.2012% | 2,736 |
| Noncurrent loans to loans | 1.8026% | 3,464 |
| Net loans and leases to total assets | 53.0907% | 5,158 |
| Net loans and leases to deposits | 60.6948% | 5,408 |
| Net loans and leases to core deposits | 66.7107% | 5,185 |
| Total domestic deposits to total assets | 87.4716% | 2,486 |
| Equity capital to assets | 12.1742% | 1,994 |
| Core capital (leverage) ratio | 11.5423% | 1,855 |
| Tier 1 risk-based capital ratio | 19.5378% | 1,748 |
| Total risk-based capital ratio | 20.8025% | 1,711 |
| Memoranda: | ||
| Average total assets | $549,370,000 | 1,201 |
| Average earning assets | $499,080,200 | 1,215 |
| Average equity | $54,071,600 | 1,256 |
| Average total loans | $313,271,800 | 1,355 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5857% | 4,921 |
| Cost of funding earning assets | 1.0082% | 3,626 |
| Net interest margin | 3.5775% | 4,861 |
| Noninterest income to average assets | 0.4620% | 4,204 |
| Noninterest expense to average assets | 2.2034% | 6,271 |
| Loan and lease loss provision to assets | 1.4400% | 492 |
| Net operating income to assets | 0.0633% | 6,041 |
| Return on assets (ROA) | 0.3316% | 5,453 |
| Pretax return on assets | 0.4059% | 5,449 |
| Return on Equity (ROE) | 3.5777% | 5,182 |
| Retained earnings to average equity (ytd only) | 3.5777% | 4,192 |
| Net charge-offs to loans | 2.6116% | 410 |
| Credit loss provision to net charge-offs | 95.6745% | 3,580 |
| Earnings coverage of net charge-offs (x) | 1.0090% | 4,873 |
| Efficiency ratio | 59.1976% | 5,834 |
| Assets per employee ($millions) | 5.3337% | 1,768 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3801% | 1,568 |
| Loan loss allowance to noncurrent loans | 107.5283% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 2.6839% | 2,414 |
| Noncurrent loans to loans | 2.2134% | 3,095 |
| Net loans and leases to total assets | 52.8259% | 5,345 |
| Net loans and leases to deposits | 60.0866% | 5,617 |
| Net loans and leases to core deposits | 66.1768% | 5,393 |
| Total domestic deposits to total assets | 87.9163% | 2,080 |
| Equity capital to assets | 11.7773% | 2,429 |
| Core capital (leverage) ratio | 11.1742% | 2,263 |
| Tier 1 risk-based capital ratio | 18.8107% | 1,984 |
| Total risk-based capital ratio | 20.0724% | 1,947 |
| Memoranda: | ||
| Average total assets | $550,903,000 | 1,207 |
| Average earning assets | $502,016,000 | 1,211 |
| Average equity | $51,055,750 | 1,341 |
| Average total loans | $317,502,750 | 1,353 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5995% | 4,961 |
| Cost of funding earning assets | 1.0702% | 3,469 |
| Net interest margin | 3.5292% | 5,016 |
| Noninterest income to average assets | 0.4297% | 4,428 |
| Noninterest expense to average assets | 2.1502% | 6,501 |
| Loan and lease loss provision to assets | 1.6245% | 425 |
| Net operating income to assets | 0.0009% | 6,222 |
| Return on assets (ROA) | 0.0500% | 6,202 |
| Pretax return on assets | -0.0482% | 6,317 |
| Return on Equity (ROE) | 0.5945% | 6,169 |
| Retained earnings to average equity (ytd only) | 0.5945% | 5,619 |
| Net charge-offs to loans | 3.0318% | 338 |
| Credit loss provision to net charge-offs | 91.0765% | 3,425 |
| Earnings coverage of net charge-offs (x) | 0.8408% | 4,670 |
| Efficiency ratio | 58.9118% | 6,043 |
| Assets per employee ($millions) | 5.3601% | 1,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2555% | 1,816 |
| Loan loss allowance to noncurrent loans | 44.7110% | 5,331 |
| Noncurrent assets plus other real estate owned to assets | 3.6748% | 1,774 |
| Noncurrent loans to loans | 5.0446% | 1,292 |
| Net loans and leases to total assets | 54.7759% | 5,183 |
| Net loans and leases to deposits | 61.2625% | 5,584 |
| Net loans and leases to core deposits | 67.5005% | 5,337 |
| Total domestic deposits to total assets | 89.4118% | 1,294 |
| Equity capital to assets | 8.5841% | 6,075 |
| Core capital (leverage) ratio | 8.2242% | 5,991 |
| Tier 1 risk-based capital ratio | 14.5268% | 3,766 |
| Total risk-based capital ratio | 15.7891% | 3,734 |
| Memoranda: | ||
| Average total assets | $547,858,670 | 1,223 |
| Average earning assets | $499,883,330 | 1,217 |
| Average equity | $46,088,670 | 1,465 |
| Average total loans | $322,318,000 | 1,334 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6908% | 4,562 |
| Cost of funding earning assets | 1.1344% | 3,269 |
| Net interest margin | 3.5564% | 4,783 |
| Noninterest income to average assets | 0.4589% | 4,199 |
| Noninterest expense to average assets | 2.2097% | 6,401 |
| Loan and lease loss provision to assets | 1.6941% | 353 |
| Net operating income to assets | -0.0508% | 6,414 |
| Return on assets (ROA) | -0.0508% | 6,432 |
| Pretax return on assets | -0.2143% | 6,549 |
| Return on Equity (ROE) | -0.6105% | 6,440 |
| Retained earnings to average equity (ytd only) | -0.6105% | 5,909 |
| Net charge-offs to loans | 3.2620% | 319 |
| Credit loss provision to net charge-offs | 86.1746% | 3,016 |
| Earnings coverage of net charge-offs (x) | 0.7527% | 4,071 |
| Efficiency ratio | 59.8922% | 5,998 |
| Assets per employee ($millions) | 5.3884% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2221% | 1,909 |
| Loan loss allowance to noncurrent loans | 58.2364% | 4,511 |
| Noncurrent assets plus other real estate owned to assets | 3.1715% | 2,171 |
| Noncurrent loans to loans | 3.8156% | 1,922 |
| Net loans and leases to total assets | 56.9475% | 4,808 |
| Net loans and leases to deposits | 64.1893% | 5,228 |
| Net loans and leases to core deposits | 70.8880% | 4,938 |
| Total domestic deposits to total assets | 88.7181% | 1,948 |
| Equity capital to assets | 8.3439% | 6,114 |
| Core capital (leverage) ratio | 8.1843% | 5,992 |
| Tier 1 risk-based capital ratio | 12.9083% | 4,888 |
| Total risk-based capital ratio | 14.1689% | 4,870 |
| Memoranda: | ||
| Average total assets | $543,063,000 | 1,238 |
| Average earning assets | $493,310,500 | 1,244 |
| Average equity | $45,207,000 | 1,484 |
| Average total loans | $327,280,000 | 1,331 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9000% | 5,033 |
| Cost of funding earning assets | 1.4597% | 2,894 |
| Net interest margin | 3.4404% | 5,476 |
| Noninterest income to average assets | 0.5474% | 3,836 |
| Noninterest expense to average assets | 2.3053% | 6,344 |
| Loan and lease loss provision to assets | 1.3145% | 1,161 |
| Net operating income to assets | 0.1289% | 5,514 |
| Return on assets (ROA) | 0.1931% | 5,462 |
| Pretax return on assets | 0.1655% | 5,565 |
| Return on Equity (ROE) | 2.4969% | 5,185 |
| Retained earnings to average equity (ytd only) | 2.1019% | 4,411 |
| Net charge-offs to loans | 1.8439% | 1,131 |
| Credit loss provision to net charge-offs | 110.2827% | 3,990 |
| Earnings coverage of net charge-offs (x) | 1.1878% | 4,917 |
| Efficiency ratio | 61.9533% | 5,740 |
| Assets per employee ($millions) | 5.2599% | 1,794 |
| Cash dividends to net income (ytd only)* | 15.8198% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2371% | 1,802 |
| Loan loss allowance to noncurrent loans | 58.4668% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 3.3444% | 2,103 |
| Noncurrent loans to loans | 3.8262% | 1,927 |
| Net loans and leases to total assets | 60.9443% | 4,498 |
| Net loans and leases to deposits | 68.7219% | 4,999 |
| Net loans and leases to core deposits | 76.3917% | 4,648 |
| Total domestic deposits to total assets | 88.6825% | 1,838 |
| Equity capital to assets | 8.3046% | 6,144 |
| Core capital (leverage) ratio | 8.1671% | 5,878 |
| Tier 1 risk-based capital ratio | 12.7288% | 4,840 |
| Total risk-based capital ratio | 13.9899% | 4,798 |
| Memoranda: | ||
| Average total assets | $540,144,000 | 1,242 |
| Average earning assets | $498,260,800 | 1,235 |
| Average equity | $41,771,800 | 1,585 |
| Average total loans | $349,156,400 | 1,283 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9606% | 4,990 |
| Cost of funding earning assets | 1.5277% | 2,790 |
| Net interest margin | 3.4329% | 5,562 |
| Noninterest income to average assets | 0.5392% | 3,870 |
| Noninterest expense to average assets | 2.1957% | 6,615 |
| Loan and lease loss provision to assets | 1.3258% | 1,042 |
| Net operating income to assets | 0.1777% | 5,568 |
| Return on assets (ROA) | 0.2565% | 5,486 |
| Pretax return on assets | 0.2649% | 5,579 |
| Return on Equity (ROE) | 3.3790% | 5,060 |
| Retained earnings to average equity (ytd only) | 2.8467% | 4,430 |
| Net charge-offs to loans | 1.7836% | 1,090 |
| Credit loss provision to net charge-offs | 113.9831% | 3,671 |
| Earnings coverage of net charge-offs (x) | 1.2977% | 4,782 |
| Efficiency ratio | 59.2617% | 6,072 |
| Assets per employee ($millions) | 5.3062% | 1,819 |
| Cash dividends to net income (ytd only)* | 15.7539% | 3,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2173% | 1,770 |
| Loan loss allowance to noncurrent loans | 97.6629% | 2,844 |
| Noncurrent assets plus other real estate owned to assets | 2.4770% | 2,893 |
| Noncurrent loans to loans | 2.2704% | 3,364 |
| Net loans and leases to total assets | 60.3543% | 4,842 |
| Net loans and leases to deposits | 68.2320% | 5,386 |
| Net loans and leases to core deposits | 75.9774% | 5,061 |
| Total domestic deposits to total assets | 88.4545% | 1,693 |
| Equity capital to assets | 8.5725% | 6,189 |
| Core capital (leverage) ratio | 8.0381% | 6,291 |
| Tier 1 risk-based capital ratio | 12.7434% | 4,781 |
| Total risk-based capital ratio | 14.0046% | 4,749 |
| Memoranda: | ||
| Average total assets | $541,051,750 | 1,255 |
| Average earning assets | $498,957,500 | 1,246 |
| Average equity | $41,076,000 | 1,613 |
| Average total loans | $352,831,500 | 1,287 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0010% | 4,937 |
| Cost of funding earning assets | 1.5982% | 2,665 |
| Net interest margin | 3.4028% | 5,634 |
| Noninterest income to average assets | 0.5404% | 3,791 |
| Noninterest expense to average assets | 2.1635% | 6,736 |
| Loan and lease loss provision to assets | 1.4391% | 931 |
| Net operating income to assets | 0.0860% | 5,903 |
| Return on assets (ROA) | 0.2084% | 5,665 |
| Pretax return on assets | 0.1977% | 5,774 |
| Return on Equity (ROE) | 2.8710% | 5,295 |
| Retained earnings to average equity (ytd only) | 2.0332% | 4,846 |
| Net charge-offs to loans | 1.7129% | 1,090 |
| Credit loss provision to net charge-offs | 126.5492% | 3,185 |
| Earnings coverage of net charge-offs (x) | 1.3317% | 4,497 |
| Efficiency ratio | 58.8241% | 6,257 |
| Assets per employee ($millions) | 5.5541% | 1,574 |
| Cash dividends to net income (ytd only)* | 29.1815% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1916% | 1,777 |
| Loan loss allowance to noncurrent loans | 71.6606% | 3,769 |
| Noncurrent assets plus other real estate owned to assets | 2.7059% | 2,672 |
| Noncurrent loans to loans | 3.0583% | 2,631 |
| Net loans and leases to total assets | 62.5927% | 4,560 |
| Net loans and leases to deposits | 69.7653% | 5,315 |
| Net loans and leases to core deposits | 77.7016% | 5,001 |
| Total domestic deposits to total assets | 89.7189% | 1,063 |
| Equity capital to assets | 7.3211% | 7,214 |
| Core capital (leverage) ratio | 7.0379% | 7,166 |
| Tier 1 risk-based capital ratio | 10.7075% | 6,523 |
| Total risk-based capital ratio | 11.9681% | 6,498 |
| Memoranda: | ||
| Average total assets | $539,222,000 | 1,262 |
| Average earning assets | $497,182,000 | 1,259 |
| Average equity | $39,150,670 | 1,696 |
| Average total loans | $357,995,000 | 1,278 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0096% | 4,977 |
| Cost of funding earning assets | 1.6707% | 2,536 |
| Net interest margin | 3.3389% | 5,821 |
| Noninterest income to average assets | 0.5389% | 3,742 |
| Noninterest expense to average assets | 2.1376% | 6,843 |
| Loan and lease loss provision to assets | 1.3043% | 924 |
| Net operating income to assets | 0.1915% | 5,716 |
| Return on assets (ROA) | 0.1915% | 5,836 |
| Pretax return on assets | 0.1714% | 5,965 |
| Return on Equity (ROE) | 2.6494% | 5,506 |
| Retained earnings to average equity (ytd only) | 1.8041% | 5,033 |
| Net charge-offs to loans | 2.2325% | 764 |
| Credit loss provision to net charge-offs | 86.4198% | 3,741 |
| Earnings coverage of net charge-offs (x) | 0.9778% | 4,185 |
| Efficiency ratio | 59.1584% | 6,313 |
| Assets per employee ($millions) | 5.7100% | 1,489 |
| Cash dividends to net income (ytd only)* | 31.9066% | 1,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8407% | 2,607 |
| Loan loss allowance to noncurrent loans | 82.7538% | 3,309 |
| Noncurrent assets plus other real estate owned to assets | 2.0361% | 3,455 |
| Noncurrent loans to loans | 2.2243% | 3,492 |
| Net loans and leases to total assets | 63.6739% | 4,400 |
| Net loans and leases to deposits | 70.8087% | 5,227 |
| Net loans and leases to core deposits | 79.4355% | 4,839 |
| Total domestic deposits to total assets | 89.9237% | 1,029 |
| Equity capital to assets | 7.1368% | 7,312 |
| Core capital (leverage) ratio | 7.4063% | 6,928 |
| Tier 1 risk-based capital ratio | 10.5994% | 6,541 |
| Total risk-based capital ratio | 11.8562% | 6,528 |
| Memoranda: | ||
| Average total assets | $536,683,000 | 1,301 |
| Average earning assets | $494,167,500 | 1,296 |
| Average equity | $38,801,500 | 1,727 |
| Average total loans | $362,829,500 | 1,300 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4847% | 4,230 |
| Cost of funding earning assets | 2.3974% | 1,310 |
| Net interest margin | 3.0873% | 6,408 |
| Noninterest income to average assets | 0.5781% | 3,798 |
| Noninterest expense to average assets | 2.2030% | 6,988 |
| Loan and lease loss provision to assets | 0.7477% | 2,868 |
| Net operating income to assets | 0.3527% | 4,312 |
| Return on assets (ROA) | 0.4277% | 4,120 |
| Pretax return on assets | 0.5489% | 4,051 |
| Return on Equity (ROE) | 5.7483% | 3,311 |
| Retained earnings to average equity (ytd only) | 5.7483% | 1,449 |
| Net charge-offs to loans | 0.3304% | 4,578 |
| Credit loss provision to net charge-offs | 316.9764% | 1,028 |
| Earnings coverage of net charge-offs (x) | 5.0887% | 2,691 |
| Efficiency ratio | 64.7310% | 5,638 |
| Assets per employee ($millions) | 5.5285% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8428% | 2,423 |
| Loan loss allowance to noncurrent loans | 82.8072% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 1.8985% | 3,531 |
| Noncurrent loans to loans | 2.2255% | 3,367 |
| Net loans and leases to total assets | 69.1651% | 3,445 |
| Net loans and leases to deposits | 77.3451% | 4,493 |
| Net loans and leases to core deposits | 103.4478% | 3,634 |
| Total domestic deposits to total assets | 89.4240% | 1,254 |
| Equity capital to assets | 7.3270% | 7,174 |
| Core capital (leverage) ratio | 7.3722% | 6,914 |
| Tier 1 risk-based capital ratio | 10.2928% | 6,596 |
| Total risk-based capital ratio | 11.5501% | 6,558 |
| Memoranda: | ||
| Average total assets | $501,951,200 | 1,368 |
| Average earning assets | $459,335,400 | 1,369 |
| Average equity | $37,350,000 | 1,794 |
| Average total loans | $358,380,800 | 1,349 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5275% | 4,286 |
| Cost of funding earning assets | 2.5449% | 1,167 |
| Net interest margin | 2.9826% | 6,646 |
| Noninterest income to average assets | 0.5746% | 3,895 |
| Noninterest expense to average assets | 2.2168% | 6,928 |
| Loan and lease loss provision to assets | 0.6055% | 2,969 |
| Net operating income to assets | 0.3848% | 4,455 |
| Return on assets (ROA) | 0.3881% | 4,545 |
| Pretax return on assets | 0.4792% | 4,582 |
| Return on Equity (ROE) | 5.1941% | 3,878 |
| Retained earnings to average equity (ytd only) | 5.1941% | 2,376 |
| Net charge-offs to loans | 0.1508% | 5,204 |
| Credit loss provision to net charge-offs | 560.4478% | 694 |
| Earnings coverage of net charge-offs (x) | 10.0024% | 2,025 |
| Efficiency ratio | 67.2290% | 5,133 |
| Assets per employee ($millions) | 5.5521% | 1,563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6635% | 2,753 |
| Loan loss allowance to noncurrent loans | 77.8118% | 3,512 |
| Noncurrent assets plus other real estate owned to assets | 1.7135% | 3,806 |
| Noncurrent loans to loans | 2.1379% | 3,462 |
| Net loans and leases to total assets | 69.1153% | 3,690 |
| Net loans and leases to deposits | 77.4677% | 4,826 |
| Net loans and leases to core deposits | 107.0282% | 3,587 |
| Total domestic deposits to total assets | 89.2182% | 1,102 |
| Equity capital to assets | 7.4842% | 7,306 |
| Core capital (leverage) ratio | 7.2364% | 7,236 |
| Tier 1 risk-based capital ratio | 10.1799% | 6,801 |
| Total risk-based capital ratio | 11.4348% | 6,735 |
| Memoranda: | ||
| Average total assets | $496,137,250 | 1,406 |
| Average earning assets | $452,921,000 | 1,410 |
| Average equity | $37,067,000 | 1,833 |
| Average total loans | $355,456,000 | 1,374 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4951% | 4,661 |
| Cost of funding earning assets | 2.6389% | 1,187 |
| Net interest margin | 2.8562% | 6,894 |
| Noninterest income to average assets | 0.5591% | 3,967 |
| Noninterest expense to average assets | 2.3017% | 6,754 |
| Loan and lease loss provision to assets | 0.5140% | 2,966 |
| Net operating income to assets | 0.3227% | 4,797 |
| Return on assets (ROA) | 0.3216% | 4,916 |
| Pretax return on assets | 0.3729% | 5,009 |
| Return on Equity (ROE) | 4.3074% | 4,372 |
| Retained earnings to average equity (ytd only) | 4.3074% | 2,903 |
| Net charge-offs to loans | 0.1513% | 4,678 |
| Credit loss provision to net charge-offs | 471.0526% | 986 |
| Earnings coverage of net charge-offs (x) | 8.1391% | 2,309 |
| Efficiency ratio | 72.1579% | 4,378 |
| Assets per employee ($millions) | 5.4994% | 1,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4730% | 3,335 |
| Loan loss allowance to noncurrent loans | 112.7664% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 1.0914% | 4,772 |
| Noncurrent loans to loans | 1.3062% | 4,596 |
| Net loans and leases to total assets | 67.0643% | 4,346 |
| Net loans and leases to deposits | 74.8435% | 5,338 |
| Net loans and leases to core deposits | 111.3565% | 3,219 |
| Total domestic deposits to total assets | 89.6061% | 1,001 |
| Equity capital to assets | 7.0649% | 7,568 |
| Core capital (leverage) ratio | 7.2195% | 7,339 |
| Tier 1 risk-based capital ratio | 9.9476% | 6,989 |
| Total risk-based capital ratio | 11.1997% | 6,917 |
| Memoranda: | ||
| Average total assets | $487,549,670 | 1,453 |
| Average earning assets | $449,052,330 | 1,441 |
| Average equity | $36,402,670 | 1,875 |
| Average total loans | $351,669,670 | 1,419 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5434% | 4,676 |
| Cost of funding earning assets | 2.7731% | 1,047 |
| Net interest margin | 2.7703% | 7,053 |
| Noninterest income to average assets | 0.5948% | 3,583 |
| Noninterest expense to average assets | 2.1936% | 6,889 |
| Loan and lease loss provision to assets | 0.5318% | 2,343 |
| Net operating income to assets | 0.3506% | 5,067 |
| Return on assets (ROA) | 0.3506% | 5,249 |
| Pretax return on assets | 0.4178% | 5,346 |
| Return on Equity (ROE) | 4.5589% | 4,681 |
| Retained earnings to average equity (ytd only) | 4.5589% | 3,396 |
| Net charge-offs to loans | 0.0755% | 4,423 |
| Credit loss provision to net charge-offs | 946.9697% | 661 |
| Earnings coverage of net charge-offs (x) | 16.9091% | 1,528 |
| Efficiency ratio | 69.7888% | 4,626 |
| Assets per employee ($millions) | 5.1529% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3704% | 3,674 |
| Loan loss allowance to noncurrent loans | 124.8702% | 2,514 |
| Noncurrent assets plus other real estate owned to assets | 0.8707% | 5,012 |
| Noncurrent loans to loans | 1.0975% | 4,792 |
| Net loans and leases to total assets | 69.2587% | 3,859 |
| Net loans and leases to deposits | 77.6107% | 4,986 |
| Net loans and leases to core deposits | 116.0066% | 2,805 |
| Total domestic deposits to total assets | 89.2387% | 1,123 |
| Equity capital to assets | 7.3522% | 7,452 |
| Core capital (leverage) ratio | 7.6087% | 7,016 |
| Tier 1 risk-based capital ratio | 10.0016% | 6,918 |
| Total risk-based capital ratio | 11.2523% | 6,824 |
| Memoranda: | ||
| Average total assets | $470,105,000 | 1,525 |
| Average earning assets | $432,443,000 | 1,499 |
| Average equity | $36,149,000 | 1,894 |
| Average total loans | $349,700,500 | 1,446 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3721% | 3,564 |
| Cost of funding earning assets | 3.0550% | 1,660 |
| Net interest margin | 3.3170% | 5,975 |
| Noninterest income to average assets | 0.7698% | 2,671 |
| Noninterest expense to average assets | 2.3351% | 6,601 |
| Loan and lease loss provision to assets | 0.2742% | 4,202 |
| Net operating income to assets | 0.8317% | 3,300 |
| Return on assets (ROA) | 0.8413% | 3,092 |
| Pretax return on assets | 1.1959% | 2,656 |
| Return on Equity (ROE) | 10.9276% | 1,927 |
| Retained earnings to average equity (ytd only) | 10.9276% | 332 |
| Net charge-offs to loans | 0.1255% | 4,984 |
| Credit loss provision to net charge-offs | 277.4272% | 1,646 |
| Earnings coverage of net charge-offs (x) | 14.7354% | 2,008 |
| Efficiency ratio | 61.5881% | 6,030 |
| Assets per employee ($millions) | 4.6848% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2201% | 4,378 |
| Loan loss allowance to noncurrent loans | 202.2360% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.4773% | 5,793 |
| Noncurrent loans to loans | 0.6033% | 5,565 |
| Net loans and leases to total assets | 78.1518% | 2,099 |
| Net loans and leases to deposits | 88.7575% | 3,676 |
| Net loans and leases to core deposits | 134.6874% | 1,556 |
| Total domestic deposits to total assets | 88.0508% | 1,453 |
| Equity capital to assets | 8.0725% | 6,741 |
| Core capital (leverage) ratio | 8.3354% | 5,878 |
| Tier 1 risk-based capital ratio | 10.2599% | 6,459 |
| Total risk-based capital ratio | 11.4671% | 6,364 |
| Memoranda: | ||
| Average total assets | $416,856,400 | 1,636 |
| Average earning assets | $379,736,200 | 1,641 |
| Average equity | $32,093,000 | 2,107 |
| Average total loans | $328,319,000 | 1,482 |