Home > Community Bank, Coast > Performance and Condition Ratios
Community Bank, Coast, 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 | 4.5392% | 1,589 |
| Cost of funding earning assets | 0.5746% | 1,783 |
| Net interest margin | 3.9646% | 1,864 |
| Noninterest income to average assets | 0.4792% | 3,131 |
| Noninterest expense to average assets | 2.7100% | 3,096 |
| Loan and lease loss provision to assets | 0.1976% | 1,050 |
| Net operating income to assets | 0.6211% | 3,927 |
| Return on assets (ROA) | 0.6334% | 3,912 |
| Pretax return on assets | 1.1704% | 2,890 |
| Return on Equity (ROE) | 6.5557% | 3,504 |
| Retained earnings to average equity (ytd only) | 5.3122% | 1,922 |
| Net charge-offs to loans | 0.2206% | 1,175 |
| Credit loss provision to net charge-offs | 119.6364% | 2,185 |
| Earnings coverage of net charge-offs (x) | 8.1644% | 2,949 |
| Efficiency ratio | 66.3746% | 3,195 |
| Assets per employee ($millions) | 5.4522% | 1,985 |
| Cash dividends to net income (ytd only)* | 18.9681% | 3,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0000% | 3,951 |
| Loan loss allowance to noncurrent loans | 313.3877% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.9658% | 1,604 |
| Noncurrent loans to loans | 0.3191% | 3,633 |
| Net loans and leases to total assets | 77.0018% | 1,427 |
| Net loans and leases to deposits | 86.1335% | 2,246 |
| Net loans and leases to core deposits | 95.6127% | 2,066 |
| Total domestic deposits to total assets | 89.3982% | 821 |
| Equity capital to assets | 9.8826% | 3,839 |
| Core capital (leverage) ratio | 8.4331% | 5,195 |
| Tier 1 risk-based capital ratio | 11.5376% | 4,826 |
| Total risk-based capital ratio | 12.6193% | 4,815 |
| Memoranda: | ||
| Average total assets | $832,296,400 | 895 |
| Average earning assets | $751,479,800 | 917 |
| Average equity | $80,418,400 | 1,005 |
| Average total loans | $623,186,400 | 841 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4962% | 1,657 |
| Cost of funding earning assets | 0.5690% | 1,746 |
| Net interest margin | 3.9272% | 1,943 |
| Noninterest income to average assets | 0.4974% | 3,038 |
| Noninterest expense to average assets | 2.7123% | 3,020 |
| Loan and lease loss provision to assets | 0.2066% | 914 |
| Net operating income to assets | 0.7345% | 3,799 |
| Return on assets (ROA) | 0.7512% | 3,792 |
| Pretax return on assets | 1.1487% | 3,122 |
| Return on Equity (ROE) | 7.8198% | 3,222 |
| Retained earnings to average equity (ytd only) | 6.1485% | 2,145 |
| Net charge-offs to loans | 0.2936% | 722 |
| Credit loss provision to net charge-offs | 94.9115% | 2,390 |
| Earnings coverage of net charge-offs (x) | 6.1077% | 3,016 |
| Efficiency ratio | 66.7064% | 3,094 |
| Assets per employee ($millions) | 5.2495% | 2,174 |
| Cash dividends to net income (ytd only)* | 21.3721% | 3,089 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9630% | 4,269 |
| Loan loss allowance to noncurrent loans | 195.5780% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 1.0100% | 1,679 |
| Noncurrent loans to loans | 0.4924% | 3,219 |
| Net loans and leases to total assets | 75.3425% | 1,698 |
| Net loans and leases to deposits | 84.4933% | 2,493 |
| Net loans and leases to core deposits | 94.4439% | 2,226 |
| Total domestic deposits to total assets | 89.1698% | 796 |
| Equity capital to assets | 9.7979% | 4,154 |
| Core capital (leverage) ratio | 8.2321% | 5,406 |
| Tier 1 risk-based capital ratio | 11.5712% | 4,909 |
| Total risk-based capital ratio | 12.6115% | 4,929 |
| Memoranda: | ||
| Average total assets | $830,460,500 | 901 |
| Average earning assets | $749,562,750 | 923 |
| Average equity | $79,778,500 | 1,016 |
| Average total loans | $615,715,750 | 854 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4299% | 1,725 |
| Cost of funding earning assets | 0.5633% | 1,692 |
| Net interest margin | 3.8665% | 2,041 |
| Noninterest income to average assets | 0.5211% | 2,893 |
| Noninterest expense to average assets | 2.6920% | 3,114 |
| Loan and lease loss provision to assets | 0.2163% | 821 |
| Net operating income to assets | 0.7195% | 3,755 |
| Return on assets (ROA) | 0.7195% | 3,826 |
| Pretax return on assets | 1.0996% | 3,179 |
| Return on Equity (ROE) | 7.5411% | 3,273 |
| Retained earnings to average equity (ytd only) | 5.0020% | 2,705 |
| Net charge-offs to loans | 0.2486% | 822 |
| Credit loss provision to net charge-offs | 118.4350% | 1,797 |
| Earnings coverage of net charge-offs (x) | 7.2042% | 2,626 |
| Efficiency ratio | 66.7674% | 3,215 |
| Assets per employee ($millions) | 5.3840% | 1,984 |
| Cash dividends to net income (ytd only)* | 33.6700% | 2,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0058% | 4,107 |
| Loan loss allowance to noncurrent loans | 111.7123% | 3,365 |
| Noncurrent assets plus other real estate owned to assets | 1.4246% | 1,103 |
| Noncurrent loans to loans | 0.9003% | 2,177 |
| Net loans and leases to total assets | 73.1254% | 2,017 |
| Net loans and leases to deposits | 81.5119% | 2,743 |
| Net loans and leases to core deposits | 91.2991% | 2,395 |
| Total domestic deposits to total assets | 89.7112% | 639 |
| Equity capital to assets | 9.4313% | 4,483 |
| Core capital (leverage) ratio | 8.0811% | 5,494 |
| Tier 1 risk-based capital ratio | 11.4678% | 4,977 |
| Total risk-based capital ratio | 12.5613% | 4,969 |
| Memoranda: | ||
| Average total assets | $825,559,330 | 916 |
| Average earning assets | $744,490,670 | 938 |
| Average equity | $78,768,670 | 1,026 |
| Average total loans | $606,634,330 | 871 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3803% | 1,716 |
| Cost of funding earning assets | 0.5526% | 1,697 |
| Net interest margin | 3.8277% | 2,021 |
| Noninterest income to average assets | 0.5270% | 2,785 |
| Noninterest expense to average assets | 2.7211% | 3,064 |
| Loan and lease loss provision to assets | 0.1847% | 924 |
| Net operating income to assets | 0.6979% | 3,717 |
| Return on assets (ROA) | 0.6979% | 3,756 |
| Pretax return on assets | 1.0654% | 3,107 |
| Return on Equity (ROE) | 7.2694% | 3,283 |
| Retained earnings to average equity (ytd only) | 2.1101% | 4,300 |
| Net charge-offs to loans | -0.0723% | 5,335 |
| Credit loss provision to net charge-offs | -348.5981% | 4,163 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1093% | 3,174 |
| Assets per employee ($millions) | 5.2671% | 2,117 |
| Cash dividends to net income (ytd only)* | 70.9723% | 1,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1159% | 3,617 |
| Loan loss allowance to noncurrent loans | 82.9253% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.4833% | 1,094 |
| Noncurrent loans to loans | 1.3457% | 1,504 |
| Net loans and leases to total assets | 71.3257% | 2,165 |
| Net loans and leases to deposits | 79.7931% | 2,777 |
| Net loans and leases to core deposits | 89.3950% | 2,409 |
| Total domestic deposits to total assets | 89.3883% | 951 |
| Equity capital to assets | 9.4085% | 4,380 |
| Core capital (leverage) ratio | 8.0349% | 5,548 |
| Tier 1 risk-based capital ratio | 11.4388% | 5,070 |
| Total risk-based capital ratio | 12.6289% | 5,006 |
| Memoranda: | ||
| Average total assets | $807,617,000 | 937 |
| Average earning assets | $726,711,000 | 953 |
| Average equity | $77,530,500 | 1,038 |
| Average total loans | $591,784,500 | 883 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3973% | 1,828 |
| Cost of funding earning assets | 0.5381% | 1,805 |
| Net interest margin | 3.8591% | 2,103 |
| Noninterest income to average assets | 0.5402% | 2,976 |
| Noninterest expense to average assets | 2.7588% | 3,161 |
| Loan and lease loss provision to assets | 0.2189% | 1,008 |
| Net operating income to assets | 0.6741% | 3,895 |
| Return on assets (ROA) | 0.6915% | 3,928 |
| Pretax return on assets | 1.0398% | 3,330 |
| Return on Equity (ROE) | 6.9651% | 3,485 |
| Retained earnings to average equity (ytd only) | 2.0108% | 4,399 |
| Net charge-offs to loans | 0.2014% | 1,379 |
| Credit loss provision to net charge-offs | 147.4382% | 1,860 |
| Earnings coverage of net charge-offs (x) | 8.3021% | 2,886 |
| Efficiency ratio | 68.6756% | 3,137 |
| Assets per employee ($millions) | 4.9225% | 2,481 |
| Cash dividends to net income (ytd only)* | 71.1305% | 1,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0803% | 3,823 |
| Loan loss allowance to noncurrent loans | 71.1202% | 4,199 |
| Noncurrent assets plus other real estate owned to assets | 1.7157% | 895 |
| Noncurrent loans to loans | 1.5189% | 1,315 |
| Net loans and leases to total assets | 73.7032% | 1,895 |
| Net loans and leases to deposits | 82.9724% | 2,549 |
| Net loans and leases to core deposits | 93.2896% | 2,181 |
| Total domestic deposits to total assets | 88.8286% | 1,193 |
| Equity capital to assets | 9.8060% | 3,933 |
| Core capital (leverage) ratio | 8.4197% | 5,348 |
| Tier 1 risk-based capital ratio | 11.4706% | 5,073 |
| Total risk-based capital ratio | 12.6196% | 5,034 |
| Memoranda: | ||
| Average total assets | $762,368,200 | 947 |
| Average earning assets | $681,811,000 | 975 |
| Average equity | $75,692,200 | 1,048 |
| Average total loans | $562,025,800 | 882 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3936% | 1,878 |
| Cost of funding earning assets | 0.5457% | 1,740 |
| Net interest margin | 3.8479% | 2,164 |
| Noninterest income to average assets | 0.5755% | 2,790 |
| Noninterest expense to average assets | 2.8056% | 2,991 |
| Loan and lease loss provision to assets | 0.2297% | 872 |
| Net operating income to assets | 0.6569% | 4,048 |
| Return on assets (ROA) | 0.6803% | 4,087 |
| Pretax return on assets | 1.0156% | 3,578 |
| Return on Equity (ROE) | 6.8299% | 3,649 |
| Retained earnings to average equity (ytd only) | 1.9766% | 4,698 |
| Net charge-offs to loans | 0.2630% | 888 |
| Credit loss provision to net charge-offs | 118.8182% | 2,104 |
| Earnings coverage of net charge-offs (x) | 6.2609% | 3,020 |
| Efficiency ratio | 69.4196% | 2,982 |
| Assets per employee ($millions) | 4.6881% | 2,766 |
| Cash dividends to net income (ytd only)* | 71.0595% | 1,007 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 4,187 |
| Loan loss allowance to noncurrent loans | 67.8334% | 4,329 |
| Noncurrent assets plus other real estate owned to assets | 1.7861% | 927 |
| Noncurrent loans to loans | 1.5318% | 1,416 |
| Net loans and leases to total assets | 74.8250% | 1,732 |
| Net loans and leases to deposits | 84.7270% | 2,400 |
| Net loans and leases to core deposits | 95.6906% | 2,028 |
| Total domestic deposits to total assets | 88.3130% | 1,229 |
| Equity capital to assets | 10.1185% | 4,019 |
| Core capital (leverage) ratio | 8.4264% | 5,419 |
| Tier 1 risk-based capital ratio | 11.5224% | 5,077 |
| Total risk-based capital ratio | 12.6236% | 5,071 |
| Memoranda: | ||
| Average total assets | $758,520,250 | 951 |
| Average earning assets | $678,243,250 | 983 |
| Average equity | $75,548,500 | 1,054 |
| Average total loans | $557,658,750 | 891 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3572% | 1,956 |
| Cost of funding earning assets | 0.5582% | 1,637 |
| Net interest margin | 3.7990% | 2,319 |
| Noninterest income to average assets | 0.5797% | 2,730 |
| Noninterest expense to average assets | 2.7940% | 3,048 |
| Loan and lease loss provision to assets | 0.2675% | 695 |
| Net operating income to assets | 0.6227% | 4,176 |
| Return on assets (ROA) | 0.6581% | 4,150 |
| Pretax return on assets | 0.9706% | 3,701 |
| Return on Equity (ROE) | 6.6424% | 3,727 |
| Retained earnings to average equity (ytd only) | 1.9927% | 4,568 |
| Net charge-offs to loans | 0.2415% | 978 |
| Credit loss provision to net charge-offs | 152.0958% | 1,572 |
| Earnings coverage of net charge-offs (x) | 6.7440% | 2,709 |
| Efficiency ratio | 69.7665% | 3,016 |
| Assets per employee ($millions) | 5.0339% | 2,265 |
| Cash dividends to net income (ytd only)* | 70.0000% | 1,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0808% | 4,043 |
| Loan loss allowance to noncurrent loans | 84.6250% | 4,013 |
| Noncurrent assets plus other real estate owned to assets | 1.5470% | 1,219 |
| Noncurrent loans to loans | 1.2772% | 1,777 |
| Net loans and leases to total assets | 72.1404% | 2,141 |
| Net loans and leases to deposits | 81.3015% | 2,782 |
| Net loans and leases to core deposits | 90.8354% | 2,452 |
| Total domestic deposits to total assets | 88.7319% | 1,051 |
| Equity capital to assets | 9.8570% | 4,381 |
| Core capital (leverage) ratio | 8.2882% | 5,545 |
| Tier 1 risk-based capital ratio | 11.6290% | 5,075 |
| Total risk-based capital ratio | 12.7744% | 5,022 |
| Memoranda: | ||
| Average total assets | $759,764,000 | 944 |
| Average earning assets | $680,025,670 | 980 |
| Average equity | $75,273,670 | 1,060 |
| Average total loans | $553,311,330 | 892 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2975% | 2,144 |
| Cost of funding earning assets | 0.5676% | 1,562 |
| Net interest margin | 3.7299% | 2,557 |
| Noninterest income to average assets | 0.5587% | 2,751 |
| Noninterest expense to average assets | 2.7900% | 3,107 |
| Loan and lease loss provision to assets | 0.1861% | 1,067 |
| Net operating income to assets | 0.6102% | 4,135 |
| Return on assets (ROA) | 0.6102% | 4,253 |
| Pretax return on assets | 0.9304% | 3,725 |
| Return on Equity (ROE) | 6.1426% | 3,909 |
| Retained earnings to average equity (ytd only) | 0.8059% | 4,897 |
| Net charge-offs to loans | 0.2513% | 823 |
| Credit loss provision to net charge-offs | 101.7391% | 1,600 |
| Earnings coverage of net charge-offs (x) | 6.1043% | 2,266 |
| Efficiency ratio | 70.9730% | 2,962 |
| Assets per employee ($millions) | 5.0320% | 2,306 |
| Cash dividends to net income (ytd only)* | 86.8810% | 890 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0359% | 4,415 |
| Loan loss allowance to noncurrent loans | 78.2650% | 4,126 |
| Noncurrent assets plus other real estate owned to assets | 1.6316% | 1,210 |
| Noncurrent loans to loans | 1.3236% | 1,804 |
| Net loans and leases to total assets | 71.0861% | 2,176 |
| Net loans and leases to deposits | 79.5240% | 2,863 |
| Net loans and leases to core deposits | 88.8048% | 2,479 |
| Total domestic deposits to total assets | 89.3895% | 894 |
| Equity capital to assets | 9.7727% | 4,373 |
| Core capital (leverage) ratio | 8.1503% | 5,686 |
| Tier 1 risk-based capital ratio | 11.7701% | 5,066 |
| Total risk-based capital ratio | 12.8757% | 5,062 |
| Memoranda: | ||
| Average total assets | $754,549,500 | 951 |
| Average earning assets | $677,225,500 | 982 |
| Average equity | $74,951,500 | 1,063 |
| Average total loans | $549,121,500 | 896 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4131% | 1,859 |
| Cost of funding earning assets | 0.5862% | 1,460 |
| Net interest margin | 3.8268% | 2,278 |
| Noninterest income to average assets | 0.4873% | 3,417 |
| Noninterest expense to average assets | 2.7904% | 3,272 |
| Loan and lease loss provision to assets | 0.1856% | 1,207 |
| Net operating income to assets | 0.6074% | 4,237 |
| Return on assets (ROA) | 0.6250% | 4,251 |
| Pretax return on assets | 0.9537% | 3,637 |
| Return on Equity (ROE) | 6.0833% | 3,995 |
| Retained earnings to average equity (ytd only) | 0.7153% | 5,231 |
| Net charge-offs to loans | 0.1303% | 2,067 |
| Credit loss provision to net charge-offs | 196.2099% | 1,419 |
| Earnings coverage of net charge-offs (x) | 11.7638% | 2,528 |
| Efficiency ratio | 71.0117% | 3,069 |
| Assets per employee ($millions) | 4.8314% | 2,558 |
| Cash dividends to net income (ytd only)* | 88.2418% | 650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0497% | 4,321 |
| Loan loss allowance to noncurrent loans | 72.0599% | 4,331 |
| Noncurrent assets plus other real estate owned to assets | 1.7252% | 1,115 |
| Noncurrent loans to loans | 1.4566% | 1,603 |
| Net loans and leases to total assets | 72.9842% | 1,894 |
| Net loans and leases to deposits | 81.9360% | 2,593 |
| Net loans and leases to core deposits | 93.0068% | 2,131 |
| Total domestic deposits to total assets | 89.0747% | 1,082 |
| Equity capital to assets | 10.1005% | 3,857 |
| Core capital (leverage) ratio | 8.4205% | 5,504 |
| Tier 1 risk-based capital ratio | 11.8983% | 5,016 |
| Total risk-based capital ratio | 13.0151% | 5,015 |
| Memoranda: | ||
| Average total assets | $725,267,000 | 956 |
| Average earning assets | $647,375,200 | 982 |
| Average equity | $74,515,000 | 1,026 |
| Average total loans | $526,529,000 | 888 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4209% | 1,849 |
| Cost of funding earning assets | 0.5843% | 1,508 |
| Net interest margin | 3.8365% | 2,245 |
| Noninterest income to average assets | 0.5157% | 3,257 |
| Noninterest expense to average assets | 2.8296% | 3,074 |
| Loan and lease loss provision to assets | 0.1618% | 1,322 |
| Net operating income to assets | 0.6198% | 4,287 |
| Return on assets (ROA) | 0.6423% | 4,282 |
| Pretax return on assets | 0.9798% | 3,693 |
| Return on Equity (ROE) | 6.2245% | 4,040 |
| Retained earnings to average equity (ytd only) | 0.8539% | 5,362 |
| Net charge-offs to loans | 0.1208% | 1,914 |
| Credit loss provision to net charge-offs | 185.2008% | 1,429 |
| Earnings coverage of net charge-offs (x) | 12.6766% | 2,388 |
| Efficiency ratio | 71.3991% | 2,976 |
| Assets per employee ($millions) | 4.9940% | 2,302 |
| Cash dividends to net income (ytd only)* | 86.2814% | 604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0232% | 4,626 |
| Loan loss allowance to noncurrent loans | 83.8472% | 4,079 |
| Noncurrent assets plus other real estate owned to assets | 1.7605% | 1,229 |
| Noncurrent loans to loans | 1.2203% | 2,092 |
| Net loans and leases to total assets | 71.5351% | 2,137 |
| Net loans and leases to deposits | 80.3311% | 2,847 |
| Net loans and leases to core deposits | 91.5562% | 2,309 |
| Total domestic deposits to total assets | 89.0503% | 1,008 |
| Equity capital to assets | 10.1336% | 4,019 |
| Core capital (leverage) ratio | 8.3202% | 5,699 |
| Tier 1 risk-based capital ratio | 12.0954% | 5,026 |
| Total risk-based capital ratio | 13.1815% | 5,040 |
| Memoranda: | ||
| Average total assets | $721,783,250 | 964 |
| Average earning assets | $643,687,250 | 991 |
| Average equity | $74,478,000 | 1,033 |
| Average total loans | $521,855,250 | 902 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4276% | 1,760 |
| Cost of funding earning assets | 0.5705% | 1,644 |
| Net interest margin | 3.8571% | 2,116 |
| Noninterest income to average assets | 0.5349% | 3,136 |
| Noninterest expense to average assets | 2.8382% | 3,108 |
| Loan and lease loss provision to assets | 0.1676% | 1,246 |
| Net operating income to assets | 0.6344% | 4,199 |
| Return on assets (ROA) | 0.6360% | 4,299 |
| Pretax return on assets | 0.9690% | 3,703 |
| Return on Equity (ROE) | 6.1261% | 4,069 |
| Retained earnings to average equity (ytd only) | 0.7452% | 5,254 |
| Net charge-offs to loans | 0.1228% | 1,781 |
| Credit loss provision to net charge-offs | 188.6792% | 1,295 |
| Earnings coverage of net charge-offs (x) | 12.7673% | 2,181 |
| Efficiency ratio | 70.9866% | 3,155 |
| Assets per employee ($millions) | 5.0621% | 2,191 |
| Cash dividends to net income (ytd only)* | 87.8349% | 759 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 4,820 |
| Loan loss allowance to noncurrent loans | 96.1677% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.6609% | 1,443 |
| Noncurrent loans to loans | 1.0504% | 2,543 |
| Net loans and leases to total assets | 70.8708% | 2,184 |
| Net loans and leases to deposits | 79.4277% | 2,859 |
| Net loans and leases to core deposits | 90.4179% | 2,308 |
| Total domestic deposits to total assets | 89.2268% | 1,036 |
| Equity capital to assets | 10.0752% | 3,952 |
| Core capital (leverage) ratio | 8.4035% | 5,630 |
| Tier 1 risk-based capital ratio | 12.0308% | 5,126 |
| Total risk-based capital ratio | 13.0916% | 5,149 |
| Memoranda: | ||
| Average total assets | $716,005,000 | 977 |
| Average earning assets | $638,091,000 | 999 |
| Average equity | $74,337,670 | 1,036 |
| Average total loans | $517,742,000 | 913 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3822% | 1,831 |
| Cost of funding earning assets | 0.5367% | 1,958 |
| Net interest margin | 3.8455% | 2,086 |
| Noninterest income to average assets | 0.5672% | 2,853 |
| Noninterest expense to average assets | 2.8396% | 3,105 |
| Loan and lease loss provision to assets | 0.2158% | 825 |
| Net operating income to assets | 0.6134% | 4,225 |
| Return on assets (ROA) | 0.6161% | 4,303 |
| Pretax return on assets | 0.9374% | 3,753 |
| Return on Equity (ROE) | 5.8431% | 4,114 |
| Retained earnings to average equity (ytd only) | 0.4578% | 5,231 |
| Net charge-offs to loans | 0.1609% | 1,307 |
| Credit loss provision to net charge-offs | 184.4660% | 1,108 |
| Earnings coverage of net charge-offs (x) | 9.8252% | 1,980 |
| Efficiency ratio | 70.7189% | 3,365 |
| Assets per employee ($millions) | 5.0617% | 2,276 |
| Cash dividends to net income (ytd only)* | 92.1659% | 798 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 4,938 |
| Loan loss allowance to noncurrent loans | 78.6336% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 1.7643% | 1,390 |
| Noncurrent loans to loans | 1.2922% | 2,227 |
| Net loans and leases to total assets | 69.5099% | 2,200 |
| Net loans and leases to deposits | 77.9538% | 2,809 |
| Net loans and leases to core deposits | 92.0427% | 1,942 |
| Total domestic deposits to total assets | 89.1680% | 1,161 |
| Equity capital to assets | 10.1502% | 3,943 |
| Core capital (leverage) ratio | 8.8449% | 5,144 |
| Tier 1 risk-based capital ratio | 12.0763% | 5,189 |
| Total risk-based capital ratio | 13.1237% | 5,214 |
| Memoranda: | ||
| Average total assets | $704,475,000 | 990 |
| Average earning assets | $626,815,500 | 1,021 |
| Average equity | $74,275,500 | 1,037 |
| Average total loans | $512,050,000 | 920 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7228% | 1,250 |
| Cost of funding earning assets | 0.5404% | 2,285 |
| Net interest margin | 4.1824% | 1,351 |
| Noninterest income to average assets | 0.5304% | 3,293 |
| Noninterest expense to average assets | 3.0100% | 2,814 |
| Loan and lease loss provision to assets | 0.0901% | 2,668 |
| Net operating income to assets | 0.7272% | 3,760 |
| Return on assets (ROA) | 0.7202% | 3,902 |
| Pretax return on assets | 1.1018% | 3,076 |
| Return on Equity (ROE) | 6.4217% | 3,946 |
| Retained earnings to average equity (ytd only) | 0.6566% | 5,465 |
| Net charge-offs to loans | 0.2005% | 2,065 |
| Credit loss provision to net charge-offs | 60.6557% | 3,275 |
| Earnings coverage of net charge-offs (x) | 8.0984% | 2,927 |
| Efficiency ratio | 70.9730% | 3,379 |
| Assets per employee ($millions) | 4.5302% | 2,992 |
| Cash dividends to net income (ytd only)* | 89.7761% | 594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9953% | 5,084 |
| Loan loss allowance to noncurrent loans | 84.9497% | 4,104 |
| Noncurrent assets plus other real estate owned to assets | 1.8677% | 1,382 |
| Noncurrent loans to loans | 1.1716% | 2,491 |
| Net loans and leases to total assets | 74.6122% | 1,476 |
| Net loans and leases to deposits | 85.0813% | 2,085 |
| Net loans and leases to core deposits | 99.7755% | 1,405 |
| Total domestic deposits to total assets | 87.6951% | 1,928 |
| Equity capital to assets | 10.9709% | 2,922 |
| Core capital (leverage) ratio | 9.0360% | 4,937 |
| Tier 1 risk-based capital ratio | 12.1451% | 5,267 |
| Total risk-based capital ratio | 13.1761% | 5,320 |
| Memoranda: | ||
| Average total assets | $657,285,000 | 1,019 |
| Average earning assets | $578,666,000 | 1,050 |
| Average equity | $73,718,400 | 991 |
| Average total loans | $486,793,200 | 916 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7278% | 1,242 |
| Cost of funding earning assets | 0.5423% | 2,354 |
| Net interest margin | 4.1854% | 1,332 |
| Noninterest income to average assets | 0.5532% | 3,184 |
| Noninterest expense to average assets | 3.0481% | 2,644 |
| Loan and lease loss provision to assets | 0.0637% | 3,077 |
| Net operating income to assets | 0.7336% | 3,760 |
| Return on assets (ROA) | 0.7277% | 3,901 |
| Pretax return on assets | 1.1124% | 3,142 |
| Return on Equity (ROE) | 6.4515% | 3,999 |
| Retained earnings to average equity (ytd only) | 1.0194% | 5,476 |
| Net charge-offs to loans | 0.2224% | 1,710 |
| Credit loss provision to net charge-offs | 38.8543% | 3,308 |
| Earnings coverage of net charge-offs (x) | 7.2279% | 2,955 |
| Efficiency ratio | 71.5182% | 3,269 |
| Assets per employee ($millions) | 4.6759% | 2,704 |
| Cash dividends to net income (ytd only)* | 84.1987% | 648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9935% | 5,248 |
| Loan loss allowance to noncurrent loans | 142.5367% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 1.6962% | 1,778 |
| Noncurrent loans to loans | 0.6970% | 3,867 |
| Net loans and leases to total assets | 72.8411% | 1,705 |
| Net loans and leases to deposits | 84.2086% | 2,120 |
| Net loans and leases to core deposits | 96.9713% | 1,595 |
| Total domestic deposits to total assets | 86.5008% | 2,589 |
| Equity capital to assets | 10.9160% | 3,051 |
| Core capital (leverage) ratio | 9.1081% | 4,923 |
| Tier 1 risk-based capital ratio | 12.3380% | 5,274 |
| Total risk-based capital ratio | 13.3629% | 5,338 |
| Memoranda: | ||
| Average total assets | $652,856,000 | 1,035 |
| Average earning assets | $574,038,750 | 1,066 |
| Average equity | $73,634,500 | 991 |
| Average total loans | $481,317,500 | 931 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7027% | 1,274 |
| Cost of funding earning assets | 0.5469% | 2,375 |
| Net interest margin | 4.1558% | 1,362 |
| Noninterest income to average assets | 0.5235% | 3,313 |
| Noninterest expense to average assets | 3.0754% | 2,582 |
| Loan and lease loss provision to assets | 0.0335% | 3,617 |
| Net operating income to assets | 0.6996% | 3,844 |
| Return on assets (ROA) | 0.6986% | 3,937 |
| Pretax return on assets | 1.0660% | 3,223 |
| Return on Equity (ROE) | 6.1244% | 4,088 |
| Retained earnings to average equity (ytd only) | 0.6829% | 5,463 |
| Net charge-offs to loans | 0.3302% | 1,236 |
| Credit loss provision to net charge-offs | 13.7580% | 3,269 |
| Earnings coverage of net charge-offs (x) | 4.5197% | 3,094 |
| Efficiency ratio | 73.1461% | 3,128 |
| Assets per employee ($millions) | 4.5952% | 2,777 |
| Cash dividends to net income (ytd only)* | 88.8494% | 712 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9783% | 5,441 |
| Loan loss allowance to noncurrent loans | 169.8718% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 1.6909% | 1,928 |
| Noncurrent loans to loans | 0.5759% | 4,294 |
| Net loans and leases to total assets | 71.9688% | 1,751 |
| Net loans and leases to deposits | 82.0551% | 2,244 |
| Net loans and leases to core deposits | 94.8629% | 1,697 |
| Total domestic deposits to total assets | 87.7079% | 2,081 |
| Equity capital to assets | 11.0046% | 2,869 |
| Core capital (leverage) ratio | 9.3222% | 4,561 |
| Tier 1 risk-based capital ratio | 12.4658% | 5,248 |
| Total risk-based capital ratio | 13.4689% | 5,324 |
| Memoranda: | ||
| Average total assets | $644,473,670 | 1,049 |
| Average earning assets | $566,483,670 | 1,080 |
| Average equity | $73,509,000 | 992 |
| Average total loans | $475,483,000 | 933 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7360% | 1,179 |
| Cost of funding earning assets | 0.5526% | 2,401 |
| Net interest margin | 4.1833% | 1,259 |
| Noninterest income to average assets | 0.5963% | 2,757 |
| Noninterest expense to average assets | 3.0884% | 2,569 |
| Loan and lease loss provision to assets | 0.0342% | 3,366 |
| Net operating income to assets | 0.7521% | 3,408 |
| Return on assets (ROA) | 0.7521% | 3,491 |
| Pretax return on assets | 1.1526% | 2,683 |
| Return on Equity (ROE) | 6.4732% | 3,765 |
| Retained earnings to average equity (ytd only) | 1.0198% | 5,190 |
| Net charge-offs to loans | 0.0009% | 3,653 |
| Credit loss provision to net charge-offs | 5,400.0000% | 67 |
| Earnings coverage of net charge-offs (x) | 1,873.0000% | 9 |
| Efficiency ratio | 71.7504% | 3,533 |
| Assets per employee ($millions) | 4.3876% | 3,171 |
| Cash dividends to net income (ytd only)* | 84.2460% | 895 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1537% | 4,850 |
| Loan loss allowance to noncurrent loans | 118.9446% | 3,194 |
| Noncurrent assets plus other real estate owned to assets | 1.6384% | 2,156 |
| Noncurrent loans to loans | 0.9700% | 3,485 |
| Net loans and leases to total assets | 73.0594% | 1,420 |
| Net loans and leases to deposits | 83.7980% | 1,843 |
| Net loans and leases to core deposits | 93.9066% | 1,556 |
| Total domestic deposits to total assets | 87.1851% | 2,716 |
| Equity capital to assets | 11.3980% | 2,335 |
| Core capital (leverage) ratio | 9.5576% | 4,195 |
| Tier 1 risk-based capital ratio | 12.7380% | 5,171 |
| Total risk-based capital ratio | 13.9225% | 5,141 |
| Memoranda: | ||
| Average total assets | $631,264,500 | 1,076 |
| Average earning assets | $555,156,500 | 1,109 |
| Average equity | $73,349,000 | 991 |
| Average total loans | $469,423,000 | 949 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8633% | 1,170 |
| Cost of funding earning assets | 0.5717% | 2,910 |
| Net interest margin | 4.2916% | 1,128 |
| Noninterest income to average assets | 0.4852% | 3,854 |
| Noninterest expense to average assets | 3.0284% | 2,971 |
| Loan and lease loss provision to assets | 0.0444% | 4,237 |
| Net operating income to assets | 0.7748% | 3,420 |
| Return on assets (ROA) | 0.7864% | 3,467 |
| Pretax return on assets | 1.2006% | 2,582 |
| Return on Equity (ROE) | 6.4596% | 3,849 |
| Retained earnings to average equity (ytd only) | 1.7431% | 4,994 |
| Net charge-offs to loans | 0.1425% | 3,377 |
| Credit loss provision to net charge-offs | 42.5159% | 3,984 |
| Earnings coverage of net charge-offs (x) | 11.7420% | 2,203 |
| Efficiency ratio | 70.4212% | 3,767 |
| Assets per employee ($millions) | 4.0629% | 3,730 |
| Cash dividends to net income (ytd only)* | 73.0159% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1787% | 4,765 |
| Loan loss allowance to noncurrent loans | 148.8251% | 2,685 |
| Noncurrent assets plus other real estate owned to assets | 1.6104% | 2,304 |
| Noncurrent loans to loans | 0.7920% | 3,999 |
| Net loans and leases to total assets | 73.9505% | 1,356 |
| Net loans and leases to deposits | 85.6564% | 1,727 |
| Net loans and leases to core deposits | 96.0706% | 1,455 |
| Total domestic deposits to total assets | 86.3338% | 3,093 |
| Equity capital to assets | 11.8506% | 1,909 |
| Core capital (leverage) ratio | 9.8136% | 3,825 |
| Tier 1 risk-based capital ratio | 12.9479% | 5,014 |
| Total risk-based capital ratio | 14.1454% | 4,997 |
| Memoranda: | ||
| Average total assets | $600,807,000 | 1,110 |
| Average earning assets | $527,868,800 | 1,145 |
| Average equity | $73,146,800 | 972 |
| Average total loans | $440,834,000 | 970 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8731% | 1,181 |
| Cost of funding earning assets | 0.5791% | 3,006 |
| Net interest margin | 4.2940% | 1,109 |
| Noninterest income to average assets | 0.4796% | 3,936 |
| Noninterest expense to average assets | 2.9890% | 3,029 |
| Loan and lease loss provision to assets | 0.0474% | 4,070 |
| Net operating income to assets | 0.7980% | 3,352 |
| Return on assets (ROA) | 0.8137% | 3,404 |
| Pretax return on assets | 1.2419% | 2,541 |
| Return on Equity (ROE) | 6.6376% | 3,850 |
| Retained earnings to average equity (ytd only) | 2.6270% | 4,755 |
| Net charge-offs to loans | 0.1659% | 2,896 |
| Credit loss provision to net charge-offs | 39.1144% | 3,720 |
| Earnings coverage of net charge-offs (x) | 10.4483% | 2,355 |
| Efficiency ratio | 69.5189% | 3,833 |
| Assets per employee ($millions) | 4.2806% | 3,268 |
| Cash dividends to net income (ytd only)* | 60.4229% | 1,442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2202% | 4,781 |
| Loan loss allowance to noncurrent loans | 209.0042% | 1,918 |
| Noncurrent assets plus other real estate owned to assets | 1.3793% | 2,894 |
| Noncurrent loans to loans | 0.5838% | 4,743 |
| Net loans and leases to total assets | 73.4768% | 1,371 |
| Net loans and leases to deposits | 86.0182% | 1,614 |
| Net loans and leases to core deposits | 98.4855% | 1,204 |
| Total domestic deposits to total assets | 85.4201% | 3,534 |
| Equity capital to assets | 12.1513% | 1,822 |
| Core capital (leverage) ratio | 10.2329% | 3,355 |
| Tier 1 risk-based capital ratio | 13.4244% | 4,815 |
| Total risk-based capital ratio | 14.6683% | 4,763 |
| Memoranda: | ||
| Average total assets | $596,620,000 | 1,125 |
| Average earning assets | $524,502,750 | 1,168 |
| Average equity | $73,137,500 | 986 |
| Average total loans | $435,509,500 | 979 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8370% | 1,248 |
| Cost of funding earning assets | 0.5958% | 2,976 |
| Net interest margin | 4.2412% | 1,162 |
| Noninterest income to average assets | 0.4600% | 4,094 |
| Noninterest expense to average assets | 2.9662% | 3,102 |
| Loan and lease loss provision to assets | 0.0532% | 3,926 |
| Net operating income to assets | 0.7710% | 3,459 |
| Return on assets (ROA) | 0.7945% | 3,483 |
| Pretax return on assets | 1.2112% | 2,620 |
| Return on Equity (ROE) | 6.4623% | 3,899 |
| Retained earnings to average equity (ytd only) | 3.7252% | 3,933 |
| Net charge-offs to loans | 0.1963% | 2,586 |
| Credit loss provision to net charge-offs | 37.3522% | 3,466 |
| Earnings coverage of net charge-offs (x) | 8.6312% | 2,380 |
| Efficiency ratio | 69.9639% | 3,830 |
| Assets per employee ($millions) | 4.7787% | 2,413 |
| Cash dividends to net income (ytd only)* | 42.3549% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2635% | 4,677 |
| Loan loss allowance to noncurrent loans | 157.4269% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 1.5710% | 2,757 |
| Noncurrent loans to loans | 0.8026% | 4,308 |
| Net loans and leases to total assets | 72.5175% | 1,479 |
| Net loans and leases to deposits | 83.2975% | 1,892 |
| Net loans and leases to core deposits | 93.9283% | 1,524 |
| Total domestic deposits to total assets | 87.0585% | 2,787 |
| Equity capital to assets | 12.2496% | 1,741 |
| Core capital (leverage) ratio | 10.1858% | 3,256 |
| Tier 1 risk-based capital ratio | 13.6455% | 4,675 |
| Total risk-based capital ratio | 14.8961% | 4,640 |
| Memoranda: | ||
| Average total assets | $594,305,670 | 1,125 |
| Average earning assets | $523,337,000 | 1,170 |
| Average equity | $73,069,670 | 986 |
| Average total loans | $431,027,000 | 985 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8295% | 1,229 |
| Cost of funding earning assets | 0.6112% | 2,999 |
| Net interest margin | 4.2183% | 1,144 |
| Noninterest income to average assets | 0.4717% | 3,981 |
| Noninterest expense to average assets | 2.9467% | 3,171 |
| Loan and lease loss provision to assets | 0.0702% | 3,460 |
| Net operating income to assets | 0.7692% | 3,334 |
| Return on assets (ROA) | 0.7692% | 3,475 |
| Pretax return on assets | 1.1667% | 2,696 |
| Return on Equity (ROE) | 6.2449% | 3,917 |
| Retained earnings to average equity (ytd only) | 6.2449% | 2,541 |
| Net charge-offs to loans | 0.2397% | 2,013 |
| Credit loss provision to net charge-offs | 40.6250% | 2,739 |
| Earnings coverage of net charge-offs (x) | 7.1602% | 2,106 |
| Efficiency ratio | 69.6774% | 4,023 |
| Assets per employee ($millions) | 4.6184% | 2,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3183% | 4,603 |
| Loan loss allowance to noncurrent loans | 144.0652% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 1.7812% | 2,629 |
| Noncurrent loans to loans | 0.9151% | 4,305 |
| Net loans and leases to total assets | 71.0658% | 1,510 |
| Net loans and leases to deposits | 81.6914% | 1,873 |
| Net loans and leases to core deposits | 94.2486% | 1,327 |
| Total domestic deposits to total assets | 86.9930% | 2,964 |
| Equity capital to assets | 12.3577% | 1,796 |
| Core capital (leverage) ratio | 10.1774% | 3,173 |
| Tier 1 risk-based capital ratio | 13.7752% | 4,671 |
| Total risk-based capital ratio | 15.0261% | 4,635 |
| Memoranda: | ||
| Average total assets | $592,792,000 | 1,142 |
| Average earning assets | $521,627,000 | 1,189 |
| Average equity | $73,019,000 | 997 |
| Average total loans | $427,183,500 | 999 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0634% | 1,393 |
| Cost of funding earning assets | 0.8330% | 2,403 |
| Net interest margin | 4.2305% | 1,573 |
| Noninterest income to average assets | 0.6943% | 2,749 |
| Noninterest expense to average assets | 3.3376% | 2,230 |
| Loan and lease loss provision to assets | 0.2719% | 2,474 |
| Net operating income to assets | 0.5362% | 4,535 |
| Return on assets (ROA) | 0.5611% | 4,680 |
| Pretax return on assets | 0.8791% | 3,991 |
| Return on Equity (ROE) | 5.6430% | 4,344 |
| Retained earnings to average equity (ytd only) | 5.6430% | 2,289 |
| Net charge-offs to loans | 0.4429% | 2,460 |
| Credit loss provision to net charge-offs | 85.4235% | 3,655 |
| Earnings coverage of net charge-offs (x) | 3.4943% | 3,704 |
| Efficiency ratio | 74.6054% | 2,970 |
| Assets per employee ($millions) | 3.8816% | 4,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7947% | 2,601 |
| Loan loss allowance to noncurrent loans | 110.5582% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 3.1315% | 1,500 |
| Noncurrent loans to loans | 1.6233% | 3,194 |
| Net loans and leases to total assets | 72.4234% | 1,431 |
| Net loans and leases to deposits | 82.0075% | 1,997 |
| Net loans and leases to core deposits | 94.3085% | 1,441 |
| Total domestic deposits to total assets | 88.3131% | 2,020 |
| Equity capital to assets | 10.6100% | 3,389 |
| Core capital (leverage) ratio | 10.2586% | 3,068 |
| Tier 1 risk-based capital ratio | 13.7898% | 4,540 |
| Total risk-based capital ratio | 15.0464% | 4,486 |
| Memoranda: | ||
| Average total assets | $385,851,800 | 1,694 |
| Average earning assets | $342,516,600 | 1,739 |
| Average equity | $38,365,800 | 1,811 |
| Average total loans | $277,282,600 | 1,502 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0697% | 1,497 |
| Cost of funding earning assets | 0.8780% | 2,328 |
| Net interest margin | 4.1917% | 1,764 |
| Noninterest income to average assets | 0.7065% | 2,677 |
| Noninterest expense to average assets | 3.3117% | 2,237 |
| Loan and lease loss provision to assets | 0.3251% | 2,020 |
| Net operating income to assets | 0.5068% | 4,819 |
| Return on assets (ROA) | 0.5105% | 5,065 |
| Pretax return on assets | 0.7966% | 4,493 |
| Return on Equity (ROE) | 5.2179% | 4,720 |
| Retained earnings to average equity (ytd only) | 5.2179% | 3,212 |
| Net charge-offs to loans | 0.2931% | 2,972 |
| Credit loss provision to net charge-offs | 155.3191% | 1,814 |
| Earnings coverage of net charge-offs (x) | 5.3306% | 3,048 |
| Efficiency ratio | 74.3945% | 2,916 |
| Assets per employee ($millions) | 4.0941% | 3,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9550% | 2,311 |
| Loan loss allowance to noncurrent loans | 93.5772% | 3,428 |
| Noncurrent assets plus other real estate owned to assets | 3.6906% | 1,340 |
| Noncurrent loans to loans | 2.0892% | 2,754 |
| Net loans and leases to total assets | 71.7712% | 1,593 |
| Net loans and leases to deposits | 81.9220% | 2,129 |
| Net loans and leases to core deposits | 94.2326% | 1,565 |
| Total domestic deposits to total assets | 87.6092% | 2,289 |
| Equity capital to assets | 10.2574% | 4,127 |
| Core capital (leverage) ratio | 9.7610% | 3,854 |
| Tier 1 risk-based capital ratio | 13.3381% | 4,995 |
| Total risk-based capital ratio | 14.5967% | 4,952 |
| Memoranda: | ||
| Average total assets | $389,155,250 | 1,705 |
| Average earning assets | $345,466,500 | 1,747 |
| Average equity | $38,073,000 | 1,843 |
| Average total loans | $277,901,000 | 1,511 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0791% | 1,566 |
| Cost of funding earning assets | 0.9164% | 2,284 |
| Net interest margin | 4.1627% | 1,859 |
| Noninterest income to average assets | 0.6511% | 2,950 |
| Noninterest expense to average assets | 3.2539% | 2,430 |
| Loan and lease loss provision to assets | 0.4842% | 1,311 |
| Net operating income to assets | 0.3911% | 5,242 |
| Return on assets (ROA) | 0.3924% | 5,478 |
| Pretax return on assets | 0.6098% | 5,104 |
| Return on Equity (ROE) | 4.0746% | 5,229 |
| Retained earnings to average equity (ytd only) | 4.0746% | 3,893 |
| Net charge-offs to loans | 0.2312% | 3,183 |
| Credit loss provision to net charge-offs | 295.6386% | 991 |
| Earnings coverage of net charge-offs (x) | 6.6667% | 2,596 |
| Efficiency ratio | 74.4746% | 2,997 |
| Assets per employee ($millions) | 4.4197% | 3,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0932% | 2,016 |
| Loan loss allowance to noncurrent loans | 125.0927% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 3.3265% | 1,622 |
| Noncurrent loans to loans | 1.6733% | 3,386 |
| Net loans and leases to total assets | 68.2289% | 2,255 |
| Net loans and leases to deposits | 76.3891% | 2,930 |
| Net loans and leases to core deposits | 88.3836% | 2,166 |
| Total domestic deposits to total assets | 89.3176% | 1,319 |
| Equity capital to assets | 9.7166% | 4,739 |
| Core capital (leverage) ratio | 9.4059% | 4,293 |
| Tier 1 risk-based capital ratio | 13.5224% | 4,805 |
| Total risk-based capital ratio | 14.7829% | 4,762 |
| Memoranda: | ||
| Average total assets | $391,957,330 | 1,688 |
| Average earning assets | $347,898,330 | 1,737 |
| Average equity | $37,745,670 | 1,851 |
| Average total loans | $277,629,000 | 1,515 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0700% | 1,663 |
| Cost of funding earning assets | 0.9624% | 2,217 |
| Net interest margin | 4.1076% | 2,063 |
| Noninterest income to average assets | 0.8301% | 2,034 |
| Noninterest expense to average assets | 3.2960% | 2,300 |
| Loan and lease loss provision to assets | 0.7555% | 672 |
| Net operating income to assets | 0.2917% | 5,684 |
| Return on assets (ROA) | 0.2944% | 5,841 |
| Pretax return on assets | 0.4437% | 5,606 |
| Return on Equity (ROE) | 3.0713% | 5,692 |
| Retained earnings to average equity (ytd only) | 3.0713% | 4,719 |
| Net charge-offs to loans | 1.0280% | 1,009 |
| Credit loss provision to net charge-offs | 102.9248% | 2,240 |
| Earnings coverage of net charge-offs (x) | 1.6281% | 3,508 |
| Efficiency ratio | 73.0025% | 3,256 |
| Assets per employee ($millions) | 4.0916% | 3,820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8489% | 2,845 |
| Loan loss allowance to noncurrent loans | 84.6446% | 3,520 |
| Noncurrent assets plus other real estate owned to assets | 3.5084% | 1,636 |
| Noncurrent loans to loans | 2.1843% | 2,930 |
| Net loans and leases to total assets | 69.3606% | 1,873 |
| Net loans and leases to deposits | 77.4757% | 2,596 |
| Net loans and leases to core deposits | 88.8195% | 1,972 |
| Total domestic deposits to total assets | 89.5256% | 1,356 |
| Equity capital to assets | 9.5872% | 4,665 |
| Core capital (leverage) ratio | 9.3168% | 4,336 |
| Tier 1 risk-based capital ratio | 13.2818% | 5,002 |
| Total risk-based capital ratio | 14.5395% | 4,980 |
| Memoranda: | ||
| Average total assets | $391,257,500 | 1,702 |
| Average earning assets | $348,717,500 | 1,735 |
| Average equity | $37,508,000 | 1,861 |
| Average total loans | $279,383,000 | 1,511 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4482% | 1,303 |
| Cost of funding earning assets | 1.1984% | 2,034 |
| Net interest margin | 4.2498% | 1,885 |
| Noninterest income to average assets | 0.7001% | 2,602 |
| Noninterest expense to average assets | 3.3233% | 2,445 |
| Loan and lease loss provision to assets | 0.7490% | 1,348 |
| Net operating income to assets | 0.2568% | 5,410 |
| Return on assets (ROA) | 0.2588% | 5,547 |
| Pretax return on assets | 0.3852% | 5,333 |
| Return on Equity (ROE) | 2.8215% | 5,360 |
| Retained earnings to average equity (ytd only) | 2.8215% | 4,234 |
| Net charge-offs to loans | 0.8983% | 1,931 |
| Credit loss provision to net charge-offs | 113.9207% | 2,873 |
| Earnings coverage of net charge-offs (x) | 1.7204% | 4,486 |
| Efficiency ratio | 74.2175% | 3,191 |
| Assets per employee ($millions) | 4.0177% | 3,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8173% | 2,818 |
| Loan loss allowance to noncurrent loans | 172.9858% | 1,880 |
| Noncurrent assets plus other real estate owned to assets | 2.2819% | 2,645 |
| Noncurrent loans to loans | 1.0505% | 4,609 |
| Net loans and leases to total assets | 70.8403% | 1,860 |
| Net loans and leases to deposits | 80.4442% | 2,440 |
| Net loans and leases to core deposits | 92.4900% | 1,839 |
| Total domestic deposits to total assets | 88.0614% | 2,112 |
| Equity capital to assets | 9.5859% | 4,765 |
| Core capital (leverage) ratio | 9.2380% | 4,413 |
| Tier 1 risk-based capital ratio | 13.0359% | 5,041 |
| Total risk-based capital ratio | 14.2932% | 5,010 |
| Memoranda: | ||
| Average total assets | $398,791,200 | 1,628 |
| Average earning assets | $352,303,000 | 1,685 |
| Average equity | $36,576,800 | 1,846 |
| Average total loans | $291,895,600 | 1,460 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5037% | 1,241 |
| Cost of funding earning assets | 1.2475% | 2,011 |
| Net interest margin | 4.2563% | 1,888 |
| Noninterest income to average assets | 0.7347% | 2,390 |
| Noninterest expense to average assets | 3.3175% | 2,439 |
| Loan and lease loss provision to assets | 0.8667% | 1,049 |
| Net operating income to assets | 0.2059% | 5,687 |
| Return on assets (ROA) | 0.2061% | 5,820 |
| Pretax return on assets | 0.3019% | 5,702 |
| Return on Equity (ROE) | 2.2722% | 5,687 |
| Retained earnings to average equity (ytd only) | 2.2722% | 4,989 |
| Net charge-offs to loans | 0.7323% | 2,093 |
| Credit loss provision to net charge-offs | 161.1248% | 1,908 |
| Earnings coverage of net charge-offs (x) | 2.1718% | 4,043 |
| Efficiency ratio | 73.5789% | 3,260 |
| Assets per employee ($millions) | 4.3807% | 3,110 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9841% | 2,374 |
| Loan loss allowance to noncurrent loans | 164.3922% | 1,853 |
| Noncurrent assets plus other real estate owned to assets | 3.6204% | 1,736 |
| Noncurrent loans to loans | 1.2069% | 4,526 |
| Net loans and leases to total assets | 71.8454% | 1,743 |
| Net loans and leases to deposits | 82.7319% | 2,221 |
| Net loans and leases to core deposits | 95.4502% | 1,655 |
| Total domestic deposits to total assets | 86.8413% | 2,750 |
| Equity capital to assets | 9.4057% | 5,234 |
| Core capital (leverage) ratio | 8.9635% | 4,991 |
| Tier 1 risk-based capital ratio | 12.3777% | 5,599 |
| Total risk-based capital ratio | 13.6369% | 5,582 |
| Memoranda: | ||
| Average total assets | $401,059,000 | 1,625 |
| Average earning assets | $353,447,500 | 1,680 |
| Average equity | $36,381,500 | 1,852 |
| Average total loans | $294,572,250 | 1,459 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5365% | 1,216 |
| Cost of funding earning assets | 1.2938% | 1,979 |
| Net interest margin | 4.2427% | 1,869 |
| Noninterest income to average assets | 0.6724% | 2,696 |
| Noninterest expense to average assets | 3.2986% | 2,571 |
| Loan and lease loss provision to assets | 1.1123% | 730 |
| Net operating income to assets | 0.0000% | 6,226 |
| Return on assets (ROA) | 0.0000% | 6,302 |
| Pretax return on assets | 0.0000% | 6,267 |
| Return on Equity (ROE) | 0.0000% | 6,303 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,830 |
| Net charge-offs to loans | 0.5168% | 2,550 |
| Credit loss provision to net charge-offs | 292.8198% | 1,043 |
| Earnings coverage of net charge-offs (x) | 2.9282% | 3,384 |
| Efficiency ratio | 74.4013% | 3,289 |
| Assets per employee ($millions) | 4.2505% | 3,252 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1142% | 2,094 |
| Loan loss allowance to noncurrent loans | 147.8964% | 1,997 |
| Noncurrent assets plus other real estate owned to assets | 3.9337% | 1,640 |
| Noncurrent loans to loans | 1.4295% | 4,270 |
| Net loans and leases to total assets | 72.1004% | 1,771 |
| Net loans and leases to deposits | 81.1695% | 2,586 |
| Net loans and leases to core deposits | 93.5312% | 1,956 |
| Total domestic deposits to total assets | 88.8269% | 1,651 |
| Equity capital to assets | 9.1057% | 5,427 |
| Core capital (leverage) ratio | 8.7243% | 5,184 |
| Tier 1 risk-based capital ratio | 11.9219% | 5,846 |
| Total risk-based capital ratio | 13.1827% | 5,819 |
| Memoranda: | ||
| Average total assets | $403,324,330 | 1,629 |
| Average earning assets | $355,389,330 | 1,682 |
| Average equity | $36,147,670 | 1,852 |
| Average total loans | $296,431,670 | 1,466 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5534% | 1,168 |
| Cost of funding earning assets | 1.3364% | 1,969 |
| Net interest margin | 4.2170% | 1,846 |
| Noninterest income to average assets | 0.7394% | 2,320 |
| Noninterest expense to average assets | 3.2171% | 2,834 |
| Loan and lease loss provision to assets | 1.2290% | 569 |
| Net operating income to assets | 0.0000% | 6,348 |
| Return on assets (ROA) | 0.0000% | 6,378 |
| Pretax return on assets | 0.0000% | 6,352 |
| Return on Equity (ROE) | 0.0000% | 6,381 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,784 |
| Net charge-offs to loans | 0.8955% | 1,477 |
| Credit loss provision to net charge-offs | 186.9369% | 1,575 |
| Earnings coverage of net charge-offs (x) | 1.8694% | 3,370 |
| Efficiency ratio | 71.9805% | 3,870 |
| Assets per employee ($millions) | 4.2502% | 3,345 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7941% | 3,033 |
| Loan loss allowance to noncurrent loans | 171.2448% | 1,710 |
| Noncurrent assets plus other real estate owned to assets | 4.1557% | 1,591 |
| Noncurrent loans to loans | 1.0477% | 4,958 |
| Net loans and leases to total assets | 71.4239% | 1,831 |
| Net loans and leases to deposits | 83.6198% | 2,091 |
| Net loans and leases to core deposits | 94.0022% | 1,880 |
| Total domestic deposits to total assets | 85.4150% | 3,829 |
| Equity capital to assets | 8.8376% | 5,431 |
| Core capital (leverage) ratio | 8.4907% | 5,473 |
| Tier 1 risk-based capital ratio | 11.3895% | 6,184 |
| Total risk-based capital ratio | 12.6456% | 6,168 |
| Memoranda: | ||
| Average total assets | $405,211,500 | 1,629 |
| Average earning assets | $356,179,500 | 1,689 |
| Average equity | $36,030,500 | 1,834 |
| Average total loans | $297,498,000 | 1,477 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6469% | 1,755 |
| Cost of funding earning assets | 1.6764% | 1,703 |
| Net interest margin | 3.9705% | 3,147 |
| Noninterest income to average assets | 0.7618% | 2,476 |
| Noninterest expense to average assets | 3.1464% | 3,288 |
| Loan and lease loss provision to assets | 1.0266% | 1,576 |
| Net operating income to assets | 0.1108% | 5,562 |
| Return on assets (ROA) | 0.1621% | 5,558 |
| Pretax return on assets | 0.2354% | 5,394 |
| Return on Equity (ROE) | 1.8710% | 5,436 |
| Retained earnings to average equity (ytd only) | 1.8710% | 4,553 |
| Net charge-offs to loans | 1.4322% | 1,549 |
| Credit loss provision to net charge-offs | 93.4153% | 4,969 |
| Earnings coverage of net charge-offs (x) | 1.0808% | 5,030 |
| Efficiency ratio | 72.2117% | 3,750 |
| Assets per employee ($millions) | 4.1485% | 3,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5909% | 3,610 |
| Loan loss allowance to noncurrent loans | 92.2434% | 3,093 |
| Noncurrent assets plus other real estate owned to assets | 4.7676% | 1,370 |
| Noncurrent loans to loans | 1.7247% | 3,915 |
| Net loans and leases to total assets | 72.9376% | 1,892 |
| Net loans and leases to deposits | 87.0858% | 1,926 |
| Net loans and leases to core deposits | 97.5045% | 1,839 |
| Total domestic deposits to total assets | 83.7538% | 4,479 |
| Equity capital to assets | 8.9467% | 5,215 |
| Core capital (leverage) ratio | 8.6690% | 5,073 |
| Tier 1 risk-based capital ratio | 11.2823% | 6,105 |
| Total risk-based capital ratio | 12.5358% | 6,084 |
| Memoranda: | ||
| Average total assets | $414,568,800 | 1,597 |
| Average earning assets | $373,000,800 | 1,614 |
| Average equity | $35,917,000 | 1,839 |
| Average total loans | $318,102,600 | 1,413 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6498% | 1,887 |
| Cost of funding earning assets | 1.7719% | 1,542 |
| Net interest margin | 3.8779% | 3,624 |
| Noninterest income to average assets | 0.7177% | 2,720 |
| Noninterest expense to average assets | 3.0114% | 3,703 |
| Loan and lease loss provision to assets | 1.3109% | 1,056 |
| Net operating income to assets | -0.0983% | 6,180 |
| Return on assets (ROA) | 0.0000% | 6,124 |
| Pretax return on assets | 0.0000% | 6,087 |
| Return on Equity (ROE) | 0.0000% | 6,125 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,777 |
| Net charge-offs to loans | 1.1890% | 1,716 |
| Credit loss provision to net charge-offs | 142.5200% | 2,769 |
| Earnings coverage of net charge-offs (x) | 1.3183% | 4,758 |
| Efficiency ratio | 70.8995% | 3,899 |
| Assets per employee ($millions) | 4.2481% | 3,358 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0356% | 2,134 |
| Loan loss allowance to noncurrent loans | 67.7472% | 3,931 |
| Noncurrent assets plus other real estate owned to assets | 4.5470% | 1,489 |
| Noncurrent loans to loans | 3.0047% | 2,653 |
| Net loans and leases to total assets | 75.5651% | 1,483 |
| Net loans and leases to deposits | 91.0797% | 1,565 |
| Net loans and leases to core deposits | 101.8827% | 1,665 |
| Total domestic deposits to total assets | 82.9660% | 4,601 |
| Equity capital to assets | 8.9147% | 5,687 |
| Core capital (leverage) ratio | 8.5916% | 5,359 |
| Tier 1 risk-based capital ratio | 11.1225% | 6,259 |
| Total risk-based capital ratio | 12.3822% | 6,250 |
| Memoranda: | ||
| Average total assets | $417,609,250 | 1,615 |
| Average earning assets | $377,585,750 | 1,616 |
| Average equity | $35,895,750 | 1,860 |
| Average total loans | $323,065,500 | 1,405 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5719% | 2,244 |
| Cost of funding earning assets | 1.8354% | 1,510 |
| Net interest margin | 3.7366% | 4,203 |
| Noninterest income to average assets | 0.6920% | 2,752 |
| Noninterest expense to average assets | 2.8973% | 4,089 |
| Loan and lease loss provision to assets | 1.1985% | 1,169 |
| Net operating income to assets | 0.0000% | 6,082 |
| Return on assets (ROA) | 0.0000% | 6,188 |
| Pretax return on assets | 0.0000% | 6,153 |
| Return on Equity (ROE) | 0.0000% | 6,190 |
| Retained earnings to average equity (ytd only) | 0.0000% | 5,729 |
| Net charge-offs to loans | 0.7779% | 2,300 |
| Credit loss provision to net charge-offs | 198.9812% | 1,985 |
| Earnings coverage of net charge-offs (x) | 1.9898% | 4,035 |
| Efficiency ratio | 70.3469% | 4,121 |
| Assets per employee ($millions) | 4.4531% | 2,956 |
| Cash dividends to net income (ytd only)* | NA | NA |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9536% | 2,294 |
| Loan loss allowance to noncurrent loans | 58.5755% | 4,427 |
| Noncurrent assets plus other real estate owned to assets | 3.5134% | 1,994 |
| Noncurrent loans to loans | 3.3353% | 2,394 |
| Net loans and leases to total assets | 75.6286% | 1,563 |
| Net loans and leases to deposits | 94.9552% | 1,155 |
| Net loans and leases to core deposits | 107.5637% | 1,337 |
| Total domestic deposits to total assets | 79.6466% | 5,837 |
| Equity capital to assets | 8.5460% | 6,107 |
| Core capital (leverage) ratio | 8.1523% | 6,032 |
| Tier 1 risk-based capital ratio | 10.6649% | 6,555 |
| Total risk-based capital ratio | 11.9238% | 6,544 |
| Memoranda: | ||
| Average total assets | $423,706,000 | 1,610 |
| Average earning assets | $385,970,330 | 1,603 |
| Average equity | $35,995,000 | 1,856 |
| Average total loans | $328,082,000 | 1,393 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6007% | 2,145 |
| Cost of funding earning assets | 1.8577% | 1,622 |
| Net interest margin | 3.7430% | 4,042 |
| Noninterest income to average assets | 0.6822% | 2,724 |
| Noninterest expense to average assets | 2.8405% | 4,317 |
| Loan and lease loss provision to assets | 0.1408% | 5,141 |
| Net operating income to assets | 0.7169% | 3,363 |
| Return on assets (ROA) | 0.7169% | 3,473 |
| Pretax return on assets | 1.1214% | 2,668 |
| Return on Equity (ROE) | 8.4640% | 2,678 |
| Retained earnings to average equity (ytd only) | 8.4640% | 1,546 |
| Net charge-offs to loans | 0.1234% | 4,231 |
| Credit loss provision to net charge-offs | 147.0588% | 2,421 |
| Earnings coverage of net charge-offs (x) | 13.1863% | 1,515 |
| Efficiency ratio | 68.8472% | 4,540 |
| Assets per employee ($millions) | 4.3587% | 3,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5574% | 3,630 |
| Loan loss allowance to noncurrent loans | 73.6089% | 3,689 |
| Noncurrent assets plus other real estate owned to assets | 2.0093% | 3,490 |
| Noncurrent loans to loans | 2.1158% | 3,634 |
| Net loans and leases to total assets | 76.1417% | 1,513 |
| Net loans and leases to deposits | 94.9348% | 1,239 |
| Net loans and leases to core deposits | 107.0729% | 1,490 |
| Total domestic deposits to total assets | 80.2042% | 5,716 |
| Equity capital to assets | 8.6135% | 5,853 |
| Core capital (leverage) ratio | 8.1560% | 5,982 |
| Tier 1 risk-based capital ratio | 10.7400% | 6,397 |
| Total risk-based capital ratio | 11.9942% | 6,381 |
| Memoranda: | ||
| Average total assets | $426,262,500 | 1,634 |
| Average earning assets | $389,522,500 | 1,631 |
| Average equity | $36,106,000 | 1,860 |
| Average total loans | $330,681,000 | 1,422 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0446% | 1,690 |
| Cost of funding earning assets | 2.2574% | 1,812 |
| Net interest margin | 3.7873% | 3,764 |
| Noninterest income to average assets | 0.6654% | 3,190 |
| Noninterest expense to average assets | 2.8010% | 4,971 |
| Loan and lease loss provision to assets | 0.4521% | 4,115 |
| Net operating income to assets | 0.5561% | 3,500 |
| Return on assets (ROA) | 0.5561% | 3,588 |
| Pretax return on assets | 0.8596% | 3,054 |
| Return on Equity (ROE) | 6.7948% | 2,874 |
| Retained earnings to average equity (ytd only) | 3.9458% | 2,440 |
| Net charge-offs to loans | 0.1397% | 5,822 |
| Credit loss provision to net charge-offs | 410.8051% | 769 |
| Earnings coverage of net charge-offs (x) | 11.9195% | 1,559 |
| Efficiency ratio | 67.7154% | 5,056 |
| Assets per employee ($millions) | 4.3407% | 3,207 |
| Cash dividends to net income (ytd only)* | 41.9287% | 2,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5089% | 3,671 |
| Loan loss allowance to noncurrent loans | 132.0681% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 1.5172% | 4,103 |
| Noncurrent loans to loans | 1.1425% | 5,047 |
| Net loans and leases to total assets | 76.6297% | 1,663 |
| Net loans and leases to deposits | 94.7471% | 1,495 |
| Net loans and leases to core deposits | 143.1391% | 702 |
| Total domestic deposits to total assets | 80.8781% | 5,384 |
| Equity capital to assets | 8.3296% | 6,154 |
| Core capital (leverage) ratio | 8.0185% | 6,151 |
| Tier 1 risk-based capital ratio | 10.2223% | 6,658 |
| Total risk-based capital ratio | 11.4754% | 6,631 |
| Memoranda: | ||
| Average total assets | $428,913,800 | 1,616 |
| Average earning assets | $390,413,200 | 1,619 |
| Average equity | $35,100,200 | 1,917 |
| Average total loans | $337,960,600 | 1,427 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0937% | 1,669 |
| Cost of funding earning assets | 2.3486% | 1,812 |
| Net interest margin | 3.7451% | 3,887 |
| Noninterest income to average assets | 0.6615% | 3,281 |
| Noninterest expense to average assets | 2.7518% | 5,098 |
| Loan and lease loss provision to assets | 0.1431% | 5,925 |
| Net operating income to assets | 0.7532% | 3,010 |
| Return on assets (ROA) | 0.7532% | 3,072 |
| Pretax return on assets | 1.1737% | 2,344 |
| Return on Equity (ROE) | 9.2458% | 2,181 |
| Retained earnings to average equity (ytd only) | 5.4284% | 2,237 |
| Net charge-offs to loans | 0.1361% | 5,339 |
| Credit loss provision to net charge-offs | 132.9480% | 3,758 |
| Earnings coverage of net charge-offs (x) | 12.2370% | 1,783 |
| Efficiency ratio | 67.2374% | 5,132 |
| Assets per employee ($millions) | 4.3795% | 3,071 |
| Cash dividends to net income (ytd only)* | 41.2882% | 2,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 5,704 |
| Loan loss allowance to noncurrent loans | 141.8909% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 1.2879% | 4,499 |
| Noncurrent loans to loans | 0.7776% | 5,743 |
| Net loans and leases to total assets | 77.8984% | 1,593 |
| Net loans and leases to deposits | 97.0784% | 1,429 |
| Net loans and leases to core deposits | 145.3731% | 714 |
| Total domestic deposits to total assets | 80.2427% | 5,351 |
| Equity capital to assets | 8.4501% | 6,313 |
| Core capital (leverage) ratio | 7.9828% | 6,390 |
| Tier 1 risk-based capital ratio | 10.1571% | 6,823 |
| Total risk-based capital ratio | 11.2589% | 6,923 |
| Memoranda: | ||
| Average total assets | $428,709,000 | 1,630 |
| Average earning assets | $390,010,500 | 1,637 |
| Average equity | $34,926,500 | 1,941 |
| Average total loans | $338,863,750 | 1,437 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1098% | 1,762 |
| Cost of funding earning assets | 2.4121% | 1,919 |
| Net interest margin | 3.6976% | 3,955 |
| Noninterest income to average assets | 0.6577% | 3,287 |
| Noninterest expense to average assets | 2.6032% | 5,729 |
| Loan and lease loss provision to assets | 0.1995% | 5,060 |
| Net operating income to assets | 0.7763% | 2,951 |
| Return on assets (ROA) | 0.7763% | 3,051 |
| Pretax return on assets | 1.2116% | 2,264 |
| Return on Equity (ROE) | 9.6466% | 2,151 |
| Retained earnings to average equity (ytd only) | 3.8667% | 3,133 |
| Net charge-offs to loans | 0.1293% | 4,878 |
| Credit loss provision to net charge-offs | 195.0000% | 2,345 |
| Earnings coverage of net charge-offs (x) | 13.7909% | 1,704 |
| Efficiency ratio | 64.4537% | 5,814 |
| Assets per employee ($millions) | 4.4995% | 2,775 |
| Cash dividends to net income (ytd only)* | 59.9161% | 1,682 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1148% | 5,492 |
| Loan loss allowance to noncurrent loans | 91.7838% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 1.6730% | 3,683 |
| Noncurrent loans to loans | 1.2146% | 4,784 |
| Net loans and leases to total assets | 76.9653% | 1,954 |
| Net loans and leases to deposits | 95.2102% | 1,919 |
| Net loans and leases to core deposits | 141.2492% | 961 |
| Total domestic deposits to total assets | 80.8373% | 5,134 |
| Equity capital to assets | 8.0527% | 6,687 |
| Core capital (leverage) ratio | 7.7384% | 6,694 |
| Tier 1 risk-based capital ratio | 9.6179% | 7,303 |
| Total risk-based capital ratio | 10.7131% | 7,378 |
| Memoranda: | ||
| Average total assets | $430,008,670 | 1,646 |
| Average earning assets | $390,357,670 | 1,662 |
| Average equity | $34,603,000 | 1,960 |
| Average total loans | $340,281,000 | 1,468 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0760% | 2,041 |
| Cost of funding earning assets | 2.4549% | 2,088 |
| Net interest margin | 3.6211% | 4,236 |
| Noninterest income to average assets | 0.7114% | 2,816 |
| Noninterest expense to average assets | 2.6130% | 5,402 |
| Loan and lease loss provision to assets | 0.0422% | 6,443 |
| Net operating income to assets | 0.8754% | 2,820 |
| Return on assets (ROA) | 0.8754% | 2,964 |
| Pretax return on assets | 1.3534% | 2,111 |
| Return on Equity (ROE) | 10.8821% | 2,005 |
| Retained earnings to average equity (ytd only) | -0.7690% | 5,832 |
| Net charge-offs to loans | 0.1245% | 3,970 |
| Credit loss provision to net charge-offs | 42.4528% | 4,782 |
| Earnings coverage of net charge-offs (x) | 14.0472% | 1,695 |
| Efficiency ratio | 64.7884% | 5,548 |
| Assets per employee ($millions) | 4.1535% | 3,355 |
| Cash dividends to net income (ytd only)* | 107.0664% | 687 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0300% | 5,936 |
| Loan loss allowance to noncurrent loans | 462.1551% | 761 |
| Noncurrent assets plus other real estate owned to assets | 0.9548% | 4,808 |
| Noncurrent loans to loans | 0.2229% | 6,896 |
| Net loans and leases to total assets | 77.4855% | 1,937 |
| Net loans and leases to deposits | 96.5065% | 1,871 |
| Net loans and leases to core deposits | 144.0044% | 932 |
| Total domestic deposits to total assets | 80.2904% | 5,246 |
| Equity capital to assets | 7.8669% | 6,987 |
| Core capital (leverage) ratio | 7.5941% | 7,036 |
| Tier 1 risk-based capital ratio | 9.5776% | 7,366 |
| Total risk-based capital ratio | 10.6141% | 7,496 |
| Memoranda: | ||
| Average total assets | $426,787,500 | 1,669 |
| Average earning assets | $388,609,500 | 1,681 |
| Average equity | $34,331,500 | 1,982 |
| Average total loans | $340,570,000 | 1,476 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9610% | 1,231 |
| Cost of funding earning assets | 2.9668% | 1,996 |
| Net interest margin | 3.9942% | 3,146 |
| Noninterest income to average assets | 0.6702% | 3,321 |
| Noninterest expense to average assets | 2.8554% | 4,581 |
| Loan and lease loss provision to assets | 0.0062% | 7,284 |
| Net operating income to assets | 0.9275% | 2,884 |
| Return on assets (ROA) | 0.9312% | 2,726 |
| Pretax return on assets | 1.4462% | 1,835 |
| Return on Equity (ROE) | 11.3573% | 1,805 |
| Retained earnings to average equity (ytd only) | 8.3141% | 752 |
| Net charge-offs to loans | 0.0534% | 6,027 |
| Credit loss provision to net charge-offs | 14.7059% | 6,599 |
| Earnings coverage of net charge-offs (x) | 34.1059% | 1,063 |
| Efficiency ratio | 65.9668% | 5,133 |
| Assets per employee ($millions) | 3.9015% | 3,727 |
| Cash dividends to net income (ytd only)* | 26.7953% | 4,227 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0533% | 5,599 |
| Loan loss allowance to noncurrent loans | 299.4142% | 1,357 |
| Noncurrent assets plus other real estate owned to assets | 1.0269% | 4,253 |
| Noncurrent loans to loans | 0.3518% | 6,317 |
| Net loans and leases to total assets | 80.5154% | 1,546 |
| Net loans and leases to deposits | 97.2007% | 2,252 |
| Net loans and leases to core deposits | 147.3493% | 964 |
| Total domestic deposits to total assets | 82.8342% | 3,838 |
| Equity capital to assets | 8.2294% | 6,508 |
| Core capital (leverage) ratio | 7.8356% | 6,745 |
| Tier 1 risk-based capital ratio | 9.4699% | 7,342 |
| Total risk-based capital ratio | 10.5111% | 7,495 |
| Memoranda: | ||
| Average total assets | $400,780,000 | 1,699 |
| Average earning assets | $364,431,000 | 1,708 |
| Average equity | $32,859,800 | 2,058 |
| Average total loans | $318,117,000 | 1,523 |