Home > First Bank & Trust > Performance and Condition Ratios
First Bank & Trust, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9871% | 3,656 |
| Cost of funding earning assets | 0.4861% | 2,898 |
| Net interest margin | 3.5010% | 3,530 |
| Noninterest income to average assets | 0.4942% | 2,838 |
| Noninterest expense to average assets | 2.4497% | 3,814 |
| Loan and lease loss provision to assets | 0.1050% | 1,768 |
| Net operating income to assets | 0.9678% | 2,996 |
| Return on assets (ROA) | 0.9678% | 3,022 |
| Pretax return on assets | 1.3377% | 2,228 |
| Return on Equity (ROE) | 11.3040% | 1,853 |
| Retained earnings to average equity (ytd only) | 11.3040% | 825 |
| Net charge-offs to loans | -0.0061% | 4,076 |
| Credit loss provision to net charge-offs | -2,142.8571% | 4,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9350% | 3,645 |
| Assets per employee ($millions) | 9.4712% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2170% | 2,711 |
| Loan loss allowance to noncurrent loans | 493.2203% | 1,117 |
| Noncurrent assets plus other real estate owned to assets | 0.1956% | 4,104 |
| Noncurrent loans to loans | 0.2467% | 3,879 |
| Net loans and leases to total assets | 78.3197% | 1,191 |
| Net loans and leases to deposits | 85.8713% | 2,180 |
| Net loans and leases to core deposits | 95.0370% | 2,051 |
| Total domestic deposits to total assets | 91.2059% | 254 |
| Equity capital to assets | 8.6429% | 4,865 |
| Core capital (leverage) ratio | 8.6626% | 5,009 |
| Tier 1 risk-based capital ratio | 10.1831% | 5,452 |
| Total risk-based capital ratio | 11.3040% | 5,427 |
| Memoranda: | ||
| Average total assets | $1,142,817,500 | 674 |
| Average earning assets | $1,109,270,500 | 642 |
| Average equity | $97,841,500 | 862 |
| Average total loans | $910,730,000 | 604 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7780% | 4,117 |
| Cost of funding earning assets | 0.3684% | 3,535 |
| Net interest margin | 3.4095% | 3,822 |
| Noninterest income to average assets | 0.4888% | 3,069 |
| Noninterest expense to average assets | 2.7837% | 2,832 |
| Loan and lease loss provision to assets | 0.0812% | 2,579 |
| Net operating income to assets | 0.7104% | 3,555 |
| Return on assets (ROA) | 0.7104% | 3,610 |
| Pretax return on assets | 0.9320% | 3,798 |
| Return on Equity (ROE) | 8.4939% | 2,549 |
| Retained earnings to average equity (ytd only) | 8.4939% | 622 |
| Net charge-offs to loans | 0.0949% | 2,132 |
| Credit loss provision to net charge-offs | 108.8271% | 2,394 |
| Earnings coverage of net charge-offs (x) | 13.5828% | 2,385 |
| Efficiency ratio | 73.3145% | 2,011 |
| Assets per employee ($millions) | 9.2652% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1770% | 2,912 |
| Loan loss allowance to noncurrent loans | 802.9895% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.1174% | 4,546 |
| Noncurrent loans to loans | 0.1466% | 4,337 |
| Net loans and leases to total assets | 79.1582% | 1,088 |
| Net loans and leases to deposits | 86.5935% | 2,184 |
| Net loans and leases to core deposits | 95.2940% | 2,090 |
| Total domestic deposits to total assets | 91.4135% | 151 |
| Equity capital to assets | 8.4795% | 5,138 |
| Core capital (leverage) ratio | 8.5920% | 5,050 |
| Tier 1 risk-based capital ratio | 9.8344% | 5,562 |
| Total risk-based capital ratio | 10.9166% | 5,560 |
| Memoranda: | ||
| Average total assets | $1,108,635,600 | 667 |
| Average earning assets | $1,075,656,000 | 633 |
| Average equity | $92,725,800 | 886 |
| Average total loans | $871,615,800 | 603 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7344% | 4,229 |
| Cost of funding earning assets | 0.3415% | 3,756 |
| Net interest margin | 3.3930% | 3,866 |
| Noninterest income to average assets | 0.4918% | 3,078 |
| Noninterest expense to average assets | 2.5229% | 3,658 |
| Loan and lease loss provision to assets | 0.0908% | 2,256 |
| Net operating income to assets | 0.7194% | 3,873 |
| Return on assets (ROA) | 0.7194% | 3,935 |
| Pretax return on assets | 1.1707% | 3,018 |
| Return on Equity (ROE) | 8.6321% | 2,797 |
| Retained earnings to average equity (ytd only) | 8.6321% | 972 |
| Net charge-offs to loans | 0.1237% | 1,550 |
| Credit loss provision to net charge-offs | 93.8673% | 2,403 |
| Earnings coverage of net charge-offs (x) | 13.0363% | 2,381 |
| Efficiency ratio | 66.6656% | 3,098 |
| Assets per employee ($millions) | 9.0894% | 423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1906% | 2,982 |
| Loan loss allowance to noncurrent loans | 478.6841% | 1,086 |
| Noncurrent assets plus other real estate owned to assets | 0.1985% | 4,298 |
| Noncurrent loans to loans | 0.2487% | 4,063 |
| Net loans and leases to total assets | 78.8494% | 1,141 |
| Net loans and leases to deposits | 88.1155% | 2,042 |
| Net loans and leases to core deposits | 97.2928% | 1,945 |
| Total domestic deposits to total assets | 89.4841% | 663 |
| Equity capital to assets | 8.5024% | 5,285 |
| Core capital (leverage) ratio | 8.3495% | 5,341 |
| Tier 1 risk-based capital ratio | 9.8258% | 5,627 |
| Total risk-based capital ratio | 10.9218% | 5,629 |
| Memoranda: | ||
| Average total assets | $1,100,890,500 | 676 |
| Average earning assets | $1,068,299,250 | 638 |
| Average equity | $91,748,750 | 895 |
| Average total loans | $861,309,000 | 611 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6615% | 4,340 |
| Cost of funding earning assets | 0.3058% | 4,025 |
| Net interest margin | 3.3557% | 3,927 |
| Noninterest income to average assets | 0.4898% | 3,087 |
| Noninterest expense to average assets | 2.4940% | 3,772 |
| Loan and lease loss provision to assets | 0.1096% | 1,862 |
| Net operating income to assets | 0.7051% | 3,829 |
| Return on assets (ROA) | 0.7051% | 3,892 |
| Pretax return on assets | 1.1362% | 3,023 |
| Return on Equity (ROE) | 8.5189% | 2,770 |
| Retained earnings to average equity (ytd only) | 8.5189% | 995 |
| Net charge-offs to loans | 0.1525% | 1,237 |
| Credit loss provision to net charge-offs | 92.4499% | 2,118 |
| Earnings coverage of net charge-offs (x) | 10.5116% | 2,338 |
| Efficiency ratio | 66.6878% | 3,230 |
| Assets per employee ($millions) | 8.6495% | 475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2123% | 2,940 |
| Loan loss allowance to noncurrent loans | 306.9942% | 1,549 |
| Noncurrent assets plus other real estate owned to assets | 0.3101% | 3,882 |
| Noncurrent loans to loans | 0.3949% | 3,610 |
| Net loans and leases to total assets | 77.5746% | 1,304 |
| Net loans and leases to deposits | 86.4907% | 2,169 |
| Net loans and leases to core deposits | 94.6604% | 2,096 |
| Total domestic deposits to total assets | 89.6912% | 648 |
| Equity capital to assets | 8.3253% | 5,398 |
| Core capital (leverage) ratio | 8.3390% | 5,327 |
| Tier 1 risk-based capital ratio | 9.8343% | 5,670 |
| Total risk-based capital ratio | 10.9571% | 5,658 |
| Memoranda: | ||
| Average total assets | $1,095,188,330 | 681 |
| Average earning assets | $1,060,715,330 | 640 |
| Average equity | $90,646,000 | 904 |
| Average total loans | $851,026,670 | 619 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6431% | 4,298 |
| Cost of funding earning assets | 0.2827% | 4,228 |
| Net interest margin | 3.3604% | 3,795 |
| Noninterest income to average assets | 0.4819% | 3,099 |
| Noninterest expense to average assets | 2.5186% | 3,752 |
| Loan and lease loss provision to assets | 0.1106% | 1,729 |
| Net operating income to assets | 0.6895% | 3,752 |
| Return on assets (ROA) | 0.6895% | 3,787 |
| Pretax return on assets | 1.1046% | 2,962 |
| Return on Equity (ROE) | 8.3554% | 2,742 |
| Retained earnings to average equity (ytd only) | 8.3554% | 1,322 |
| Net charge-offs to loans | 0.1865% | 913 |
| Credit loss provision to net charge-offs | 76.7263% | 1,777 |
| Earnings coverage of net charge-offs (x) | 8.4297% | 2,064 |
| Efficiency ratio | 67.4533% | 3,282 |
| Assets per employee ($millions) | 9.1036% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2483% | 2,839 |
| Loan loss allowance to noncurrent loans | 269.6916% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.3638% | 3,744 |
| Noncurrent loans to loans | 0.4628% | 3,435 |
| Net loans and leases to total assets | 75.3616% | 1,517 |
| Net loans and leases to deposits | 83.0216% | 2,393 |
| Net loans and leases to core deposits | 90.8732% | 2,283 |
| Total domestic deposits to total assets | 90.7734% | 370 |
| Equity capital to assets | 8.1584% | 5,442 |
| Core capital (leverage) ratio | 8.2029% | 5,446 |
| Tier 1 risk-based capital ratio | 9.9406% | 5,710 |
| Total risk-based capital ratio | 11.0971% | 5,704 |
| Memoranda: | ||
| Average total assets | $1,084,891,500 | 692 |
| Average earning assets | $1,049,869,500 | 649 |
| Average equity | $89,523,000 | 915 |
| Average total loans | $838,447,500 | 626 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2819% | 5,186 |
| Cost of funding earning assets | 0.2704% | 4,362 |
| Net interest margin | 3.0114% | 4,936 |
| Noninterest income to average assets | 0.4731% | 3,393 |
| Noninterest expense to average assets | 2.3794% | 4,349 |
| Loan and lease loss provision to assets | 0.0841% | 2,677 |
| Net operating income to assets | 0.5819% | 4,282 |
| Return on assets (ROA) | 0.5837% | 4,389 |
| Pretax return on assets | 0.9356% | 3,708 |
| Return on Equity (ROE) | 7.2870% | 3,321 |
| Retained earnings to average equity (ytd only) | 7.2870% | 1,119 |
| Net charge-offs to loans | 0.1048% | 2,223 |
| Credit loss provision to net charge-offs | 109.7561% | 2,390 |
| Earnings coverage of net charge-offs (x) | 13.2671% | 2,381 |
| Efficiency ratio | 70.0551% | 2,892 |
| Assets per employee ($millions) | 8.9004% | 433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2867% | 2,615 |
| Loan loss allowance to noncurrent loans | 198.3457% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.5080% | 3,234 |
| Noncurrent loans to loans | 0.6487% | 2,911 |
| Net loans and leases to total assets | 77.2935% | 1,313 |
| Net loans and leases to deposits | 84.4456% | 2,366 |
| Net loans and leases to core deposits | 91.7636% | 2,323 |
| Total domestic deposits to total assets | 91.5305% | 157 |
| Equity capital to assets | 8.3498% | 5,391 |
| Core capital (leverage) ratio | 7.6346% | 5,720 |
| Tier 1 risk-based capital ratio | 9.9519% | 5,752 |
| Total risk-based capital ratio | 11.1457% | 5,730 |
| Memoranda: | ||
| Average total assets | $1,069,641,600 | 675 |
| Average earning assets | $1,038,337,200 | 634 |
| Average equity | $85,673,200 | 925 |
| Average total loans | $782,363,400 | 640 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2139% | 5,346 |
| Cost of funding earning assets | 0.2600% | 4,504 |
| Net interest margin | 2.9539% | 5,090 |
| Noninterest income to average assets | 0.4621% | 3,479 |
| Noninterest expense to average assets | 2.2831% | 4,574 |
| Loan and lease loss provision to assets | 0.0839% | 2,539 |
| Net operating income to assets | 0.6049% | 4,274 |
| Return on assets (ROA) | 0.6072% | 4,380 |
| Pretax return on assets | 0.9716% | 3,732 |
| Return on Equity (ROE) | 7.6610% | 3,212 |
| Retained earnings to average equity (ytd only) | 7.6610% | 1,331 |
| Net charge-offs to loans | 0.0303% | 3,045 |
| Credit loss provision to net charge-offs | 385.7143% | 862 |
| Earnings coverage of net charge-offs (x) | 48.3423% | 1,101 |
| Efficiency ratio | 68.4576% | 3,145 |
| Assets per employee ($millions) | 10.4843% | 259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4002% | 2,202 |
| Loan loss allowance to noncurrent loans | 173.1075% | 2,497 |
| Noncurrent assets plus other real estate owned to assets | 0.5223% | 3,363 |
| Noncurrent loans to loans | 0.8088% | 2,645 |
| Net loans and leases to total assets | 63.6716% | 3,442 |
| Net loans and leases to deposits | 68.6831% | 4,092 |
| Net loans and leases to core deposits | 73.8991% | 4,012 |
| Total domestic deposits to total assets | 92.7034% | 46 |
| Equity capital to assets | 7.1523% | 5,876 |
| Core capital (leverage) ratio | 7.8745% | 5,729 |
| Tier 1 risk-based capital ratio | 10.2402% | 5,723 |
| Total risk-based capital ratio | 11.4909% | 5,660 |
| Memoranda: | ||
| Average total assets | $1,072,266,000 | 670 |
| Average earning assets | $1,042,890,250 | 633 |
| Average equity | $84,982,500 | 941 |
| Average total loans | $770,624,250 | 646 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3062% | 5,279 |
| Cost of funding earning assets | 0.2603% | 4,544 |
| Net interest margin | 3.0459% | 4,985 |
| Noninterest income to average assets | 0.4869% | 3,283 |
| Noninterest expense to average assets | 2.3646% | 4,444 |
| Loan and lease loss provision to assets | 0.0882% | 2,382 |
| Net operating income to assets | 0.6270% | 4,157 |
| Return on assets (ROA) | 0.6307% | 4,276 |
| Pretax return on assets | 1.0084% | 3,548 |
| Return on Equity (ROE) | 7.6584% | 3,168 |
| Retained earnings to average equity (ytd only) | 7.6584% | 1,308 |
| Net charge-offs to loans | 0.0388% | 2,679 |
| Credit loss provision to net charge-offs | 304.0541% | 947 |
| Earnings coverage of net charge-offs (x) | 37.6216% | 1,199 |
| Efficiency ratio | 68.4300% | 3,256 |
| Assets per employee ($millions) | 8.5264% | 474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3869% | 2,351 |
| Loan loss allowance to noncurrent loans | 170.8974% | 2,597 |
| Noncurrent assets plus other real estate owned to assets | 0.6282% | 3,115 |
| Noncurrent loans to loans | 0.8115% | 2,719 |
| Net loans and leases to total assets | 76.3347% | 1,437 |
| Net loans and leases to deposits | 84.9289% | 2,357 |
| Net loans and leases to core deposits | 93.7086% | 2,195 |
| Total domestic deposits to total assets | 89.8807% | 534 |
| Equity capital to assets | 8.4769% | 5,609 |
| Core capital (leverage) ratio | 8.4233% | 5,429 |
| Tier 1 risk-based capital ratio | 10.0878% | 5,825 |
| Total risk-based capital ratio | 11.3382% | 5,766 |
| Memoranda: | ||
| Average total assets | $1,020,801,330 | 704 |
| Average earning assets | $994,920,670 | 662 |
| Average equity | $84,065,000 | 947 |
| Average total loans | $763,457,330 | 651 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2743% | 5,366 |
| Cost of funding earning assets | 0.2507% | 4,699 |
| Net interest margin | 3.0236% | 5,062 |
| Noninterest income to average assets | 0.4614% | 3,407 |
| Noninterest expense to average assets | 2.3468% | 4,526 |
| Loan and lease loss provision to assets | 0.0879% | 2,216 |
| Net operating income to assets | 0.6133% | 4,115 |
| Return on assets (ROA) | 0.6216% | 4,202 |
| Pretax return on assets | 0.9939% | 3,507 |
| Return on Equity (ROE) | 7.6590% | 3,107 |
| Retained earnings to average equity (ytd only) | 7.6590% | 1,607 |
| Net charge-offs to loans | 0.0516% | 2,010 |
| Credit loss provision to net charge-offs | 231.9588% | 988 |
| Earnings coverage of net charge-offs (x) | 28.2062% | 1,223 |
| Efficiency ratio | 68.7064% | 3,346 |
| Assets per employee ($millions) | 9.4104% | 342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3998% | 2,423 |
| Loan loss allowance to noncurrent loans | 196.2109% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 0.5137% | 3,546 |
| Noncurrent loans to loans | 0.7134% | 3,051 |
| Net loans and leases to total assets | 71.0013% | 2,192 |
| Net loans and leases to deposits | 77.2483% | 3,080 |
| Net loans and leases to core deposits | 85.3862% | 2,803 |
| Total domestic deposits to total assets | 91.9131% | 117 |
| Equity capital to assets | 7.9134% | 5,853 |
| Core capital (leverage) ratio | 8.3452% | 5,522 |
| Tier 1 risk-based capital ratio | 10.1309% | 5,882 |
| Total risk-based capital ratio | 11.3815% | 5,814 |
| Memoranda: | ||
| Average total assets | $1,023,878,500 | 704 |
| Average earning assets | $1,000,409,500 | 659 |
| Average equity | $83,092,000 | 958 |
| Average total loans | $752,475,500 | 664 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3723% | 5,216 |
| Cost of funding earning assets | 0.2417% | 4,870 |
| Net interest margin | 3.1306% | 4,834 |
| Noninterest income to average assets | 0.5093% | 3,258 |
| Noninterest expense to average assets | 2.4741% | 4,310 |
| Loan and lease loss provision to assets | 0.0841% | 2,611 |
| Net operating income to assets | 0.6337% | 4,119 |
| Return on assets (ROA) | 0.6335% | 4,210 |
| Pretax return on assets | 1.0064% | 3,448 |
| Return on Equity (ROE) | 7.6345% | 3,172 |
| Retained earnings to average equity (ytd only) | 7.6345% | 1,053 |
| Net charge-offs to loans | 0.0876% | 2,571 |
| Credit loss provision to net charge-offs | 125.5887% | 2,069 |
| Earnings coverage of net charge-offs (x) | 16.2936% | 2,144 |
| Efficiency ratio | 69.4024% | 3,322 |
| Assets per employee ($millions) | 8.7113% | 432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4327% | 2,285 |
| Loan loss allowance to noncurrent loans | 186.6913% | 2,380 |
| Noncurrent assets plus other real estate owned to assets | 0.5763% | 3,368 |
| Noncurrent loans to loans | 0.7674% | 2,870 |
| Net loans and leases to total assets | 74.0191% | 1,725 |
| Net loans and leases to deposits | 80.8520% | 2,728 |
| Net loans and leases to core deposits | 88.6611% | 2,537 |
| Total domestic deposits to total assets | 91.5489% | 167 |
| Equity capital to assets | 8.3337% | 5,680 |
| Core capital (leverage) ratio | 8.2660% | 5,631 |
| Tier 1 risk-based capital ratio | 10.1819% | 5,900 |
| Total risk-based capital ratio | 11.4327% | 5,826 |
| Memoranda: | ||
| Average total assets | $951,525,600 | 724 |
| Average earning assets | $928,733,800 | 681 |
| Average equity | $78,957,000 | 964 |
| Average total loans | $726,955,600 | 641 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3848% | 5,232 |
| Cost of funding earning assets | 0.2396% | 4,996 |
| Net interest margin | 3.1452% | 4,830 |
| Noninterest income to average assets | 0.5071% | 3,315 |
| Noninterest expense to average assets | 2.4420% | 4,379 |
| Loan and lease loss provision to assets | 0.0919% | 2,333 |
| Net operating income to assets | 0.6620% | 4,068 |
| Return on assets (ROA) | 0.6618% | 4,183 |
| Pretax return on assets | 1.0441% | 3,437 |
| Return on Equity (ROE) | 7.9840% | 3,073 |
| Retained earnings to average equity (ytd only) | 7.9840% | 1,244 |
| Net charge-offs to loans | 0.0492% | 2,914 |
| Credit loss provision to net charge-offs | 243.4457% | 1,160 |
| Earnings coverage of net charge-offs (x) | 30.1124% | 1,492 |
| Efficiency ratio | 68.2427% | 3,496 |
| Assets per employee ($millions) | 8.2470% | 483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4826% | 2,228 |
| Loan loss allowance to noncurrent loans | 207.4650% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 0.5401% | 3,684 |
| Noncurrent loans to loans | 0.7146% | 3,192 |
| Net loans and leases to total assets | 74.4523% | 1,648 |
| Net loans and leases to deposits | 81.4418% | 2,711 |
| Net loans and leases to core deposits | 90.0563% | 2,463 |
| Total domestic deposits to total assets | 91.4178% | 170 |
| Equity capital to assets | 8.3885% | 5,771 |
| Core capital (leverage) ratio | 8.2837% | 5,727 |
| Tier 1 risk-based capital ratio | 10.0626% | 6,022 |
| Total risk-based capital ratio | 11.3136% | 5,972 |
| Memoranda: | ||
| Average total assets | $943,312,000 | 735 |
| Average earning assets | $921,115,750 | 691 |
| Average equity | $78,187,500 | 976 |
| Average total loans | $723,889,500 | 648 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3941% | 5,243 |
| Cost of funding earning assets | 0.2343% | 5,104 |
| Net interest margin | 3.1598% | 4,789 |
| Noninterest income to average assets | 0.5046% | 3,340 |
| Noninterest expense to average assets | 2.4661% | 4,344 |
| Loan and lease loss provision to assets | 0.1068% | 2,050 |
| Net operating income to assets | 0.6540% | 4,104 |
| Return on assets (ROA) | 0.6536% | 4,214 |
| Pretax return on assets | 1.0200% | 3,499 |
| Return on Equity (ROE) | 7.9177% | 3,102 |
| Retained earnings to average equity (ytd only) | 7.9177% | 1,298 |
| Net charge-offs to loans | -0.0451% | 5,510 |
| Credit loss provision to net charge-offs | -306.7485% | 5,118 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6266% | 3,567 |
| Assets per employee ($millions) | 7.7788% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5122% | 2,240 |
| Loan loss allowance to noncurrent loans | 184.5731% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 0.6384% | 3,505 |
| Noncurrent loans to loans | 0.8193% | 3,073 |
| Net loans and leases to total assets | 76.7451% | 1,264 |
| Net loans and leases to deposits | 83.9247% | 2,322 |
| Net loans and leases to core deposits | 93.1531% | 2,047 |
| Total domestic deposits to total assets | 91.4452% | 189 |
| Equity capital to assets | 8.3912% | 5,767 |
| Core capital (leverage) ratio | 8.1183% | 5,857 |
| Tier 1 risk-based capital ratio | 9.7898% | 6,148 |
| Total risk-based capital ratio | 11.0413% | 6,105 |
| Memoranda: | ||
| Average total assets | $936,116,000 | 743 |
| Average earning assets | $915,120,330 | 693 |
| Average equity | $77,269,670 | 993 |
| Average total loans | $722,119,000 | 649 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3595% | 5,303 |
| Cost of funding earning assets | 0.2154% | 5,359 |
| Net interest margin | 3.1441% | 4,806 |
| Noninterest income to average assets | 0.4885% | 3,359 |
| Noninterest expense to average assets | 2.4616% | 4,399 |
| Loan and lease loss provision to assets | 0.1285% | 1,615 |
| Net operating income to assets | 0.6088% | 4,246 |
| Return on assets (ROA) | 0.6080% | 4,344 |
| Pretax return on assets | 0.9743% | 3,590 |
| Return on Equity (ROE) | 7.4280% | 3,257 |
| Retained earnings to average equity (ytd only) | 7.4280% | 1,797 |
| Net charge-offs to loans | 0.0022% | 3,241 |
| Credit loss provision to net charge-offs | 7,500.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 644.2500% | 80 |
| Efficiency ratio | 69.0339% | 3,650 |
| Assets per employee ($millions) | 8.1604% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4722% | 2,568 |
| Loan loss allowance to noncurrent loans | 163.8002% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.6799% | 3,452 |
| Noncurrent loans to loans | 0.8988% | 2,987 |
| Net loans and leases to total assets | 74.5349% | 1,422 |
| Net loans and leases to deposits | 83.0688% | 2,201 |
| Net loans and leases to core deposits | 89.6059% | 2,165 |
| Total domestic deposits to total assets | 89.7267% | 885 |
| Equity capital to assets | 8.0474% | 6,010 |
| Core capital (leverage) ratio | 8.2574% | 5,772 |
| Tier 1 risk-based capital ratio | 9.5899% | 6,258 |
| Total risk-based capital ratio | 10.8408% | 6,233 |
| Memoranda: | ||
| Average total assets | $933,557,000 | 745 |
| Average earning assets | $913,716,500 | 696 |
| Average equity | $76,414,000 | 1,002 |
| Average total loans | $716,457,500 | 652 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4251% | 5,476 |
| Cost of funding earning assets | 0.2305% | 5,516 |
| Net interest margin | 3.1946% | 4,940 |
| Noninterest income to average assets | 0.5241% | 3,331 |
| Noninterest expense to average assets | 2.5454% | 4,407 |
| Loan and lease loss provision to assets | 0.1300% | 2,018 |
| Net operating income to assets | 0.6033% | 4,347 |
| Return on assets (ROA) | 0.6033% | 4,446 |
| Pretax return on assets | 0.9613% | 3,641 |
| Return on Equity (ROE) | 7.3809% | 3,423 |
| Retained earnings to average equity (ytd only) | 7.3809% | 1,237 |
| Net charge-offs to loans | 0.0618% | 3,609 |
| Credit loss provision to net charge-offs | 279.8054% | 909 |
| Earnings coverage of net charge-offs (x) | 23.4891% | 1,579 |
| Efficiency ratio | 69.9925% | 3,527 |
| Assets per employee ($millions) | 7.7947% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4803% | 2,562 |
| Loan loss allowance to noncurrent loans | 160.6285% | 2,657 |
| Noncurrent assets plus other real estate owned to assets | 0.7180% | 3,414 |
| Noncurrent loans to loans | 0.9215% | 3,012 |
| Net loans and leases to total assets | 76.7592% | 1,161 |
| Net loans and leases to deposits | 83.8256% | 2,234 |
| Net loans and leases to core deposits | 88.6404% | 2,425 |
| Total domestic deposits to total assets | 91.5701% | 214 |
| Equity capital to assets | 8.3321% | 5,878 |
| Core capital (leverage) ratio | 8.1200% | 5,914 |
| Tier 1 risk-based capital ratio | 9.6349% | 6,334 |
| Total risk-based capital ratio | 10.8858% | 6,310 |
| Memoranda: | ||
| Average total assets | $884,639,400 | 754 |
| Average earning assets | $861,966,400 | 710 |
| Average equity | $72,308,000 | 1,014 |
| Average total loans | $665,173,000 | 653 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3914% | 5,609 |
| Cost of funding earning assets | 0.2317% | 5,577 |
| Net interest margin | 3.1597% | 5,090 |
| Noninterest income to average assets | 0.5223% | 3,393 |
| Noninterest expense to average assets | 2.5150% | 4,481 |
| Loan and lease loss provision to assets | 0.1402% | 1,783 |
| Net operating income to assets | 0.5874% | 4,498 |
| Return on assets (ROA) | 0.5874% | 4,583 |
| Pretax return on assets | 0.9427% | 3,818 |
| Return on Equity (ROE) | 7.2227% | 3,595 |
| Retained earnings to average equity (ytd only) | 7.2227% | 1,704 |
| Net charge-offs to loans | 0.0039% | 4,567 |
| Credit loss provision to net charge-offs | 4,868.4211% | 79 |
| Earnings coverage of net charge-offs (x) | 376.0928% | 193 |
| Efficiency ratio | 69.9031% | 3,526 |
| Assets per employee ($millions) | 7.9835% | 524 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5567% | 2,474 |
| Loan loss allowance to noncurrent loans | 160.6520% | 2,575 |
| Noncurrent assets plus other real estate owned to assets | 0.7183% | 3,663 |
| Noncurrent loans to loans | 0.9690% | 3,142 |
| Net loans and leases to total assets | 72.9785% | 1,688 |
| Net loans and leases to deposits | 79.5098% | 2,770 |
| Net loans and leases to core deposits | 84.9023% | 2,789 |
| Total domestic deposits to total assets | 91.7856% | 183 |
| Equity capital to assets | 8.0377% | 6,114 |
| Core capital (leverage) ratio | 8.0472% | 6,033 |
| Tier 1 risk-based capital ratio | 9.6665% | 6,413 |
| Total risk-based capital ratio | 10.9182% | 6,381 |
| Memoranda: | ||
| Average total assets | $879,754,000 | 760 |
| Average earning assets | $856,344,500 | 719 |
| Average equity | $71,550,750 | 1,027 |
| Average total loans | $655,348,750 | 660 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3539% | 5,706 |
| Cost of funding earning assets | 0.2320% | 5,648 |
| Net interest margin | 3.1219% | 5,186 |
| Noninterest income to average assets | 0.5202% | 3,342 |
| Noninterest expense to average assets | 2.5480% | 4,423 |
| Loan and lease loss provision to assets | 0.1615% | 1,536 |
| Net operating income to assets | 0.5283% | 4,701 |
| Return on assets (ROA) | 0.5283% | 4,792 |
| Pretax return on assets | 0.8466% | 4,092 |
| Return on Equity (ROE) | 6.4687% | 3,896 |
| Retained earnings to average equity (ytd only) | 6.4687% | 2,053 |
| Net charge-offs to loans | -0.0683% | 6,009 |
| Credit loss provision to net charge-offs | -316.7421% | 5,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.6510% | 3,407 |
| Assets per employee ($millions) | 7.5083% | 624 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5865% | 2,519 |
| Loan loss allowance to noncurrent loans | 133.9816% | 2,937 |
| Noncurrent assets plus other real estate owned to assets | 0.8938% | 3,312 |
| Noncurrent loans to loans | 1.1841% | 2,862 |
| Net loans and leases to total assets | 74.2854% | 1,402 |
| Net loans and leases to deposits | 82.5314% | 2,190 |
| Net loans and leases to core deposits | 88.4037% | 2,270 |
| Total domestic deposits to total assets | 90.0086% | 806 |
| Equity capital to assets | 8.1486% | 6,065 |
| Core capital (leverage) ratio | 8.2467% | 5,894 |
| Tier 1 risk-based capital ratio | 9.5967% | 6,480 |
| Total risk-based capital ratio | 10.8486% | 6,462 |
| Memoranda: | ||
| Average total assets | $866,970,000 | 771 |
| Average earning assets | $843,079,670 | 723 |
| Average equity | $70,802,670 | 1,029 |
| Average total loans | $646,926,670 | 661 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3387% | 5,774 |
| Cost of funding earning assets | 0.2326% | 5,734 |
| Net interest margin | 3.1061% | 5,227 |
| Noninterest income to average assets | 0.5206% | 3,262 |
| Noninterest expense to average assets | 2.5456% | 4,466 |
| Loan and lease loss provision to assets | 0.2449% | 887 |
| Net operating income to assets | 0.4735% | 4,819 |
| Return on assets (ROA) | 0.4735% | 4,898 |
| Pretax return on assets | 0.7520% | 4,301 |
| Return on Equity (ROE) | 5.7912% | 4,136 |
| Retained earnings to average equity (ytd only) | 5.7912% | 2,651 |
| Net charge-offs to loans | 0.0660% | 2,495 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 20.3524% | 1,336 |
| Efficiency ratio | 71.8594% | 3,515 |
| Assets per employee ($millions) | 7.5177% | 623 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5985% | 2,713 |
| Loan loss allowance to noncurrent loans | 118.9714% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 0.9828% | 3,295 |
| Noncurrent loans to loans | 1.3436% | 2,794 |
| Net loans and leases to total assets | 71.9825% | 1,579 |
| Net loans and leases to deposits | 78.4974% | 2,487 |
| Net loans and leases to core deposits | 84.1036% | 2,499 |
| Total domestic deposits to total assets | 91.7004% | 328 |
| Equity capital to assets | 8.1657% | 5,932 |
| Core capital (leverage) ratio | 8.2325% | 5,908 |
| Tier 1 risk-based capital ratio | 9.8422% | 6,507 |
| Total risk-based capital ratio | 11.0941% | 6,486 |
| Memoranda: | ||
| Average total assets | $857,464,000 | 792 |
| Average earning assets | $834,227,000 | 741 |
| Average equity | $70,106,500 | 1,041 |
| Average total loans | $636,007,500 | 673 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3373% | 5,937 |
| Cost of funding earning assets | 0.2565% | 5,931 |
| Net interest margin | 3.0808% | 5,370 |
| Noninterest income to average assets | 0.5409% | 3,468 |
| Noninterest expense to average assets | 2.4993% | 4,764 |
| Loan and lease loss provision to assets | 0.2098% | 1,764 |
| Net operating income to assets | 0.5242% | 4,622 |
| Return on assets (ROA) | 0.5242% | 4,747 |
| Pretax return on assets | 0.8274% | 4,042 |
| Return on Equity (ROE) | 6.4790% | 3,840 |
| Retained earnings to average equity (ytd only) | 6.4790% | 1,699 |
| Net charge-offs to loans | 0.1344% | 3,456 |
| Credit loss provision to net charge-offs | 219.5734% | 1,048 |
| Earnings coverage of net charge-offs (x) | 10.8545% | 2,307 |
| Efficiency ratio | 70.6716% | 3,732 |
| Assets per employee ($millions) | 7.3947% | 629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5149% | 3,120 |
| Loan loss allowance to noncurrent loans | 108.9509% | 3,389 |
| Noncurrent assets plus other real estate owned to assets | 1.0458% | 3,327 |
| Noncurrent loans to loans | 1.3904% | 2,810 |
| Net loans and leases to total assets | 74.0720% | 1,337 |
| Net loans and leases to deposits | 81.8616% | 2,195 |
| Net loans and leases to core deposits | 87.5200% | 2,290 |
| Total domestic deposits to total assets | 90.4845% | 823 |
| Equity capital to assets | 8.1865% | 5,883 |
| Core capital (leverage) ratio | 8.2761% | 5,901 |
| Tier 1 risk-based capital ratio | 9.7392% | 6,567 |
| Total risk-based capital ratio | 10.9904% | 6,544 |
| Memoranda: | ||
| Average total assets | $834,057,000 | 797 |
| Average earning assets | $811,024,200 | 736 |
| Average equity | $67,479,800 | 1,063 |
| Average total loans | $592,983,400 | 701 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3171% | 6,036 |
| Cost of funding earning assets | 0.2614% | 6,010 |
| Net interest margin | 3.0557% | 5,446 |
| Noninterest income to average assets | 0.5372% | 3,540 |
| Noninterest expense to average assets | 2.4691% | 4,811 |
| Loan and lease loss provision to assets | 0.2530% | 1,410 |
| Net operating income to assets | 0.4982% | 4,798 |
| Return on assets (ROA) | 0.4982% | 4,967 |
| Pretax return on assets | 0.7838% | 4,358 |
| Return on Equity (ROE) | 6.1760% | 4,092 |
| Retained earnings to average equity (ytd only) | 6.1760% | 2,297 |
| Net charge-offs to loans | 0.1076% | 3,466 |
| Credit loss provision to net charge-offs | 335.8209% | 764 |
| Earnings coverage of net charge-offs (x) | 13.7611% | 1,999 |
| Efficiency ratio | 70.4271% | 3,684 |
| Assets per employee ($millions) | 7.3411% | 628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6390% | 2,847 |
| Loan loss allowance to noncurrent loans | 120.5094% | 3,010 |
| Noncurrent assets plus other real estate owned to assets | 0.9759% | 3,707 |
| Noncurrent loans to loans | 1.3601% | 3,144 |
| Net loans and leases to total assets | 70.5751% | 1,857 |
| Net loans and leases to deposits | 76.9719% | 2,823 |
| Net loans and leases to core deposits | 82.3075% | 2,846 |
| Total domestic deposits to total assets | 91.6895% | 316 |
| Equity capital to assets | 8.1506% | 6,044 |
| Core capital (leverage) ratio | 8.2487% | 6,016 |
| Tier 1 risk-based capital ratio | 10.0668% | 6,580 |
| Total risk-based capital ratio | 11.3193% | 6,548 |
| Memoranda: | ||
| Average total assets | $829,973,750 | 801 |
| Average earning assets | $806,336,500 | 751 |
| Average equity | $66,945,500 | 1,082 |
| Average total loans | $581,331,750 | 719 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2735% | 6,127 |
| Cost of funding earning assets | 0.2645% | 6,081 |
| Net interest margin | 3.0090% | 5,551 |
| Noninterest income to average assets | 0.5290% | 3,639 |
| Noninterest expense to average assets | 2.4722% | 4,824 |
| Loan and lease loss provision to assets | 0.2537% | 1,460 |
| Net operating income to assets | 0.4661% | 4,948 |
| Return on assets (ROA) | 0.4661% | 5,122 |
| Pretax return on assets | 0.7252% | 4,594 |
| Return on Equity (ROE) | 5.7994% | 4,292 |
| Retained earnings to average equity (ytd only) | 5.7994% | 2,557 |
| Net charge-offs to loans | 0.1586% | 2,831 |
| Credit loss provision to net charge-offs | 230.2632% | 1,073 |
| Earnings coverage of net charge-offs (x) | 8.8838% | 2,355 |
| Efficiency ratio | 71.6356% | 3,528 |
| Assets per employee ($millions) | 7.0698% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5866% | 3,203 |
| Loan loss allowance to noncurrent loans | 105.9024% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 1.0836% | 3,569 |
| Noncurrent loans to loans | 1.4982% | 3,056 |
| Net loans and leases to total assets | 71.1797% | 1,694 |
| Net loans and leases to deposits | 77.6625% | 2,609 |
| Net loans and leases to core deposits | 83.3141% | 2,653 |
| Total domestic deposits to total assets | 91.6526% | 327 |
| Equity capital to assets | 8.1931% | 6,060 |
| Core capital (leverage) ratio | 8.0223% | 6,173 |
| Tier 1 risk-based capital ratio | 10.0219% | 6,630 |
| Total risk-based capital ratio | 11.2736% | 6,608 |
| Memoranda: | ||
| Average total assets | $827,671,670 | 804 |
| Average earning assets | $803,783,670 | 753 |
| Average equity | $66,523,670 | 1,085 |
| Average total loans | $574,952,000 | 723 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1925% | 6,305 |
| Cost of funding earning assets | 0.2637% | 6,200 |
| Net interest margin | 2.9288% | 5,756 |
| Noninterest income to average assets | 0.5121% | 3,694 |
| Noninterest expense to average assets | 2.4522% | 4,943 |
| Loan and lease loss provision to assets | 0.2515% | 1,427 |
| Net operating income to assets | 0.4244% | 5,030 |
| Return on assets (ROA) | 0.4244% | 5,183 |
| Pretax return on assets | 0.6601% | 4,754 |
| Return on Equity (ROE) | 5.3310% | 4,386 |
| Retained earnings to average equity (ytd only) | 5.3310% | 3,040 |
| Net charge-offs to loans | 0.1992% | 2,223 |
| Credit loss provision to net charge-offs | 185.5124% | 1,163 |
| Earnings coverage of net charge-offs (x) | 6.7244% | 2,174 |
| Efficiency ratio | 72.8995% | 3,456 |
| Assets per employee ($millions) | 7.4340% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5886% | 3,446 |
| Loan loss allowance to noncurrent loans | 94.7646% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 1.1179% | 3,700 |
| Noncurrent loans to loans | 1.6764% | 3,032 |
| Net loans and leases to total assets | 65.6252% | 2,439 |
| Net loans and leases to deposits | 71.3350% | 3,273 |
| Net loans and leases to core deposits | 76.2749% | 3,281 |
| Total domestic deposits to total assets | 91.9958% | 247 |
| Equity capital to assets | 7.9006% | 6,433 |
| Core capital (leverage) ratio | 7.9995% | 6,144 |
| Tier 1 risk-based capital ratio | 10.2276% | 6,656 |
| Total risk-based capital ratio | 11.4792% | 6,642 |
| Memoranda: | ||
| Average total assets | $834,996,500 | 805 |
| Average earning assets | $813,019,000 | 748 |
| Average equity | $66,479,500 | 1,102 |
| Average total loans | $568,409,500 | 738 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4483% | 6,420 |
| Cost of funding earning assets | 0.3044% | 6,432 |
| Net interest margin | 3.1439% | 5,711 |
| Noninterest income to average assets | 0.5487% | 3,591 |
| Noninterest expense to average assets | 2.5426% | 4,954 |
| Loan and lease loss provision to assets | 0.3361% | 2,000 |
| Net operating income to assets | 0.4782% | 4,767 |
| Return on assets (ROA) | 0.4782% | 5,017 |
| Pretax return on assets | 0.7273% | 4,567 |
| Return on Equity (ROE) | 5.7862% | 4,263 |
| Retained earnings to average equity (ytd only) | 5.7862% | 2,203 |
| Net charge-offs to loans | 0.3342% | 2,965 |
| Credit loss provision to net charge-offs | 146.8927% | 1,854 |
| Earnings coverage of net charge-offs (x) | 4.6475% | 3,300 |
| Efficiency ratio | 70.5098% | 3,709 |
| Assets per employee ($millions) | 7.2150% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5281% | 3,625 |
| Loan loss allowance to noncurrent loans | 113.4545% | 3,013 |
| Noncurrent assets plus other real estate owned to assets | 0.9438% | 4,140 |
| Noncurrent loans to loans | 1.3469% | 3,585 |
| Net loans and leases to total assets | 68.4420% | 2,112 |
| Net loans and leases to deposits | 74.4835% | 3,029 |
| Net loans and leases to core deposits | 79.2798% | 3,113 |
| Total domestic deposits to total assets | 91.8889% | 268 |
| Equity capital to assets | 8.0245% | 6,391 |
| Core capital (leverage) ratio | 8.3248% | 5,862 |
| Tier 1 risk-based capital ratio | 10.0455% | 6,685 |
| Total risk-based capital ratio | 11.2967% | 6,657 |
| Memoranda: | ||
| Average total assets | $773,531,400 | 855 |
| Average earning assets | $752,259,000 | 792 |
| Average equity | $63,928,200 | 1,107 |
| Average total loans | $529,696,600 | 779 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4811% | 6,531 |
| Cost of funding earning assets | 0.3158% | 6,533 |
| Net interest margin | 3.1652% | 5,783 |
| Noninterest income to average assets | 0.5568% | 3,564 |
| Noninterest expense to average assets | 2.5533% | 4,906 |
| Loan and lease loss provision to assets | 0.3240% | 2,026 |
| Net operating income to assets | 0.4827% | 4,910 |
| Return on assets (ROA) | 0.4827% | 5,170 |
| Pretax return on assets | 0.7547% | 4,658 |
| Return on Equity (ROE) | 5.7950% | 4,440 |
| Retained earnings to average equity (ytd only) | 5.7950% | 2,838 |
| Net charge-offs to loans | 0.1777% | 3,686 |
| Credit loss provision to net charge-offs | 267.3410% | 1,022 |
| Earnings coverage of net charge-offs (x) | 8.9003% | 2,382 |
| Efficiency ratio | 70.3009% | 3,633 |
| Assets per employee ($millions) | 6.7553% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6730% | 3,245 |
| Loan loss allowance to noncurrent loans | 107.5590% | 3,038 |
| Noncurrent assets plus other real estate owned to assets | 1.1122% | 4,076 |
| Noncurrent loans to loans | 1.5554% | 3,450 |
| Net loans and leases to total assets | 69.7868% | 1,949 |
| Net loans and leases to deposits | 76.4138% | 2,923 |
| Net loans and leases to core deposits | 81.7030% | 3,001 |
| Total domestic deposits to total assets | 91.3276% | 326 |
| Equity capital to assets | 8.5221% | 6,241 |
| Core capital (leverage) ratio | 8.2651% | 6,067 |
| Tier 1 risk-based capital ratio | 10.3278% | 6,723 |
| Total risk-based capital ratio | 11.5804% | 6,691 |
| Memoranda: | ||
| Average total assets | $761,285,500 | 883 |
| Average earning assets | $739,642,500 | 813 |
| Average equity | $63,409,500 | 1,130 |
| Average total loans | $519,200,250 | 802 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4497% | 6,671 |
| Cost of funding earning assets | 0.3224% | 6,634 |
| Net interest margin | 3.1273% | 5,915 |
| Noninterest income to average assets | 0.5469% | 3,599 |
| Noninterest expense to average assets | 2.5367% | 5,011 |
| Loan and lease loss provision to assets | 0.2892% | 2,269 |
| Net operating income to assets | 0.4857% | 4,883 |
| Return on assets (ROA) | 0.4857% | 5,135 |
| Pretax return on assets | 0.7639% | 4,590 |
| Return on Equity (ROE) | 5.8764% | 4,379 |
| Retained earnings to average equity (ytd only) | 5.8764% | 2,779 |
| Net charge-offs to loans | 0.0915% | 4,244 |
| Credit loss provision to net charge-offs | 470.0855% | 641 |
| Earnings coverage of net charge-offs (x) | 17.1154% | 1,550 |
| Efficiency ratio | 70.6636% | 3,663 |
| Assets per employee ($millions) | 6.7172% | 843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6839% | 3,300 |
| Loan loss allowance to noncurrent loans | 102.3093% | 3,144 |
| Noncurrent assets plus other real estate owned to assets | 1.1099% | 4,166 |
| Noncurrent loans to loans | 1.6459% | 3,435 |
| Net loans and leases to total assets | 66.3004% | 2,610 |
| Net loans and leases to deposits | 72.3851% | 3,552 |
| Net loans and leases to core deposits | 77.5428% | 3,584 |
| Total domestic deposits to total assets | 91.5940% | 293 |
| Equity capital to assets | 8.2738% | 6,398 |
| Core capital (leverage) ratio | 8.1100% | 6,152 |
| Tier 1 risk-based capital ratio | 10.5349% | 6,683 |
| Total risk-based capital ratio | 11.7875% | 6,664 |
| Memoranda: | ||
| Average total assets | $760,596,330 | 879 |
| Average earning assets | $740,058,670 | 813 |
| Average equity | $62,861,330 | 1,131 |
| Average total loans | $511,672,330 | 813 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4917% | 6,710 |
| Cost of funding earning assets | 0.3327% | 6,714 |
| Net interest margin | 3.1589% | 5,881 |
| Noninterest income to average assets | 0.5518% | 3,554 |
| Noninterest expense to average assets | 2.5500% | 4,989 |
| Loan and lease loss provision to assets | 0.2385% | 2,564 |
| Net operating income to assets | 0.5300% | 4,689 |
| Return on assets (ROA) | 0.5300% | 4,899 |
| Pretax return on assets | 0.8380% | 4,273 |
| Return on Equity (ROE) | 6.4169% | 4,080 |
| Retained earnings to average equity (ytd only) | 6.4169% | 2,729 |
| Net charge-offs to loans | 0.0323% | 4,235 |
| Credit loss provision to net charge-offs | 1,097.5610% | 318 |
| Earnings coverage of net charge-offs (x) | 49.5366% | 638 |
| Efficiency ratio | 70.3157% | 3,757 |
| Assets per employee ($millions) | 6.8196% | 831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6474% | 3,555 |
| Loan loss allowance to noncurrent loans | 268.5724% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4053% | 5,847 |
| Noncurrent loans to loans | 0.6134% | 5,433 |
| Net loans and leases to total assets | 64.9953% | 2,647 |
| Net loans and leases to deposits | 70.8979% | 3,605 |
| Net loans and leases to core deposits | 76.3829% | 3,574 |
| Total domestic deposits to total assets | 91.6746% | 331 |
| Equity capital to assets | 8.2172% | 6,344 |
| Core capital (leverage) ratio | 8.1719% | 6,069 |
| Tier 1 risk-based capital ratio | 10.6572% | 6,689 |
| Total risk-based capital ratio | 11.9093% | 6,670 |
| Memoranda: | ||
| Average total assets | $754,657,000 | 887 |
| Average earning assets | $734,549,000 | 822 |
| Average equity | $62,335,500 | 1,139 |
| Average total loans | $507,045,500 | 820 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0116% | 6,431 |
| Cost of funding earning assets | 0.3816% | 6,939 |
| Net interest margin | 3.6300% | 4,608 |
| Noninterest income to average assets | 0.5344% | 3,622 |
| Noninterest expense to average assets | 2.7926% | 4,379 |
| Loan and lease loss provision to assets | 0.2732% | 3,487 |
| Net operating income to assets | 0.6482% | 3,746 |
| Return on assets (ROA) | 0.6427% | 3,965 |
| Pretax return on assets | 0.9741% | 3,337 |
| Return on Equity (ROE) | 7.0442% | 3,388 |
| Retained earnings to average equity (ytd only) | 7.0442% | 1,487 |
| Net charge-offs to loans | 0.4099% | 3,375 |
| Credit loss provision to net charge-offs | 89.6918% | 4,011 |
| Earnings coverage of net charge-offs (x) | 4.1223% | 3,256 |
| Efficiency ratio | 68.9845% | 4,153 |
| Assets per employee ($millions) | 6.8397% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5522% | 3,790 |
| Loan loss allowance to noncurrent loans | 434.1571% | 785 |
| Noncurrent assets plus other real estate owned to assets | 0.5259% | 5,652 |
| Noncurrent loans to loans | 0.3575% | 6,003 |
| Net loans and leases to total assets | 67.2604% | 2,524 |
| Net loans and leases to deposits | 73.4389% | 3,589 |
| Net loans and leases to core deposits | 79.8178% | 3,466 |
| Total domestic deposits to total assets | 91.5868% | 308 |
| Equity capital to assets | 8.3041% | 6,349 |
| Core capital (leverage) ratio | 8.7516% | 5,168 |
| Tier 1 risk-based capital ratio | 10.4415% | 6,708 |
| Total risk-based capital ratio | 11.6928% | 6,694 |
| Memoranda: | ||
| Average total assets | $649,752,200 | 997 |
| Average earning assets | $628,954,400 | 941 |
| Average equity | $59,282,600 | 1,141 |
| Average total loans | $482,804,000 | 863 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1539% | 6,306 |
| Cost of funding earning assets | 0.3906% | 7,036 |
| Net interest margin | 3.7633% | 4,047 |
| Noninterest income to average assets | 0.5556% | 3,472 |
| Noninterest expense to average assets | 2.8954% | 3,951 |
| Loan and lease loss provision to assets | 0.2823% | 3,263 |
| Net operating income to assets | 0.6281% | 3,976 |
| Return on assets (ROA) | 0.6281% | 4,156 |
| Pretax return on assets | 1.0175% | 3,343 |
| Return on Equity (ROE) | 6.7045% | 3,662 |
| Retained earnings to average equity (ytd only) | 6.7045% | 2,129 |
| Net charge-offs to loans | 0.3598% | 3,294 |
| Credit loss provision to net charge-offs | 103.1128% | 3,229 |
| Earnings coverage of net charge-offs (x) | 4.7479% | 2,975 |
| Efficiency ratio | 69.0163% | 4,124 |
| Assets per employee ($millions) | 6.1959% | 1,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6728% | 3,367 |
| Loan loss allowance to noncurrent loans | 403.8652% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.6391% | 5,540 |
| Noncurrent loans to loans | 0.4142% | 6,013 |
| Net loans and leases to total assets | 74.3429% | 1,269 |
| Net loans and leases to deposits | 82.1770% | 2,327 |
| Net loans and leases to core deposits | 91.9545% | 1,999 |
| Total domestic deposits to total assets | 90.4668% | 652 |
| Equity capital to assets | 9.3788% | 5,262 |
| Core capital (leverage) ratio | 9.3613% | 4,363 |
| Tier 1 risk-based capital ratio | 10.6926% | 6,711 |
| Total risk-based capital ratio | 11.9452% | 6,690 |
| Memoranda: | ||
| Average total assets | $625,809,750 | 1,047 |
| Average earning assets | $605,231,750 | 976 |
| Average equity | $58,626,000 | 1,155 |
| Average total loans | $476,168,250 | 892 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1947% | 6,283 |
| Cost of funding earning assets | 0.3940% | 7,137 |
| Net interest margin | 3.8007% | 3,782 |
| Noninterest income to average assets | 0.5597% | 3,404 |
| Noninterest expense to average assets | 2.9111% | 3,981 |
| Loan and lease loss provision to assets | 0.2824% | 3,120 |
| Net operating income to assets | 0.6436% | 3,832 |
| Return on assets (ROA) | 0.6436% | 3,956 |
| Pretax return on assets | 1.0432% | 3,066 |
| Return on Equity (ROE) | 6.8731% | 3,498 |
| Retained earnings to average equity (ytd only) | 6.8731% | 1,932 |
| Net charge-offs to loans | 0.4957% | 2,616 |
| Credit loss provision to net charge-offs | 74.7225% | 3,926 |
| Earnings coverage of net charge-offs (x) | 3.5073% | 3,149 |
| Efficiency ratio | 68.7110% | 4,387 |
| Assets per employee ($millions) | 6.0506% | 1,160 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6068% | 3,670 |
| Loan loss allowance to noncurrent loans | 421.2399% | 771 |
| Noncurrent assets plus other real estate owned to assets | 0.6346% | 5,645 |
| Noncurrent loans to loans | 0.3815% | 6,140 |
| Net loans and leases to total assets | 76.7765% | 949 |
| Net loans and leases to deposits | 85.1479% | 1,923 |
| Net loans and leases to core deposits | 96.1972% | 1,665 |
| Total domestic deposits to total assets | 90.1684% | 885 |
| Equity capital to assets | 9.5223% | 4,786 |
| Core capital (leverage) ratio | 9.2398% | 4,336 |
| Tier 1 risk-based capital ratio | 10.5441% | 6,777 |
| Total risk-based capital ratio | 11.7961% | 6,767 |
| Memoranda: | ||
| Average total assets | $619,620,330 | 1,070 |
| Average earning assets | $599,466,000 | 996 |
| Average equity | $58,023,000 | 1,153 |
| Average total loans | $472,491,330 | 915 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1795% | 6,325 |
| Cost of funding earning assets | 0.4001% | 7,224 |
| Net interest margin | 3.7794% | 3,711 |
| Noninterest income to average assets | 0.5387% | 3,589 |
| Noninterest expense to average assets | 2.8973% | 4,066 |
| Loan and lease loss provision to assets | 0.2752% | 2,953 |
| Net operating income to assets | 0.6235% | 3,903 |
| Return on assets (ROA) | 0.6235% | 3,970 |
| Pretax return on assets | 1.0236% | 3,047 |
| Return on Equity (ROE) | 6.7152% | 3,524 |
| Retained earnings to average equity (ytd only) | 6.7152% | 2,276 |
| Net charge-offs to loans | 0.6272% | 1,949 |
| Credit loss provision to net charge-offs | 58.2192% | 3,579 |
| Earnings coverage of net charge-offs (x) | 2.7479% | 2,985 |
| Efficiency ratio | 69.0480% | 4,467 |
| Assets per employee ($millions) | 6.3504% | 1,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6859% | 3,389 |
| Loan loss allowance to noncurrent loans | 285.8974% | 1,070 |
| Noncurrent assets plus other real estate owned to assets | 0.7606% | 5,399 |
| Noncurrent loans to loans | 0.5897% | 5,848 |
| Net loans and leases to total assets | 71.6717% | 1,784 |
| Net loans and leases to deposits | 79.1125% | 2,868 |
| Net loans and leases to core deposits | 87.4072% | 2,682 |
| Total domestic deposits to total assets | 90.5947% | 801 |
| Equity capital to assets | 9.1211% | 5,005 |
| Core capital (leverage) ratio | 9.0857% | 4,472 |
| Tier 1 risk-based capital ratio | 10.9081% | 6,564 |
| Total risk-based capital ratio | 12.1609% | 6,544 |
| Memoranda: | ||
| Average total assets | $617,824,000 | 1,080 |
| Average earning assets | $597,873,000 | 1,005 |
| Average equity | $57,362,500 | 1,155 |
| Average total loans | $465,589,500 | 940 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2425% | 6,869 |
| Cost of funding earning assets | 0.5519% | 7,226 |
| Net interest margin | 3.6905% | 4,384 |
| Noninterest income to average assets | 0.5694% | 3,680 |
| Noninterest expense to average assets | 2.9282% | 4,117 |
| Loan and lease loss provision to assets | 0.4014% | 3,708 |
| Net operating income to assets | 0.5122% | 4,043 |
| Return on assets (ROA) | 0.5122% | 4,195 |
| Pretax return on assets | 0.7993% | 3,634 |
| Return on Equity (ROE) | 5.2552% | 3,967 |
| Retained earnings to average equity (ytd only) | 5.2552% | 2,275 |
| Net charge-offs to loans | 0.3154% | 4,442 |
| Credit loss provision to net charge-offs | 170.0299% | 1,995 |
| Earnings coverage of net charge-offs (x) | 5.0859% | 2,716 |
| Efficiency ratio | 70.9200% | 4,001 |
| Assets per employee ($millions) | 6.0061% | 1,206 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7321% | 3,093 |
| Loan loss allowance to noncurrent loans | 137.4809% | 2,154 |
| Noncurrent assets plus other real estate owned to assets | 0.9942% | 5,018 |
| Noncurrent loans to loans | 1.2599% | 4,610 |
| Net loans and leases to total assets | 76.6091% | 1,157 |
| Net loans and leases to deposits | 84.7945% | 2,326 |
| Net loans and leases to core deposits | 93.9553% | 2,259 |
| Total domestic deposits to total assets | 90.3467% | 909 |
| Equity capital to assets | 9.4575% | 4,457 |
| Core capital (leverage) ratio | 9.3306% | 3,960 |
| Tier 1 risk-based capital ratio | 10.5410% | 6,673 |
| Total risk-based capital ratio | 11.7943% | 6,645 |
| Memoranda: | ||
| Average total assets | $566,763,200 | 1,186 |
| Average earning assets | $546,639,800 | 1,110 |
| Average equity | $55,240,600 | 1,208 |
| Average total loans | $424,215,200 | 1,053 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2302% | 7,055 |
| Cost of funding earning assets | 0.5878% | 7,314 |
| Net interest margin | 3.6424% | 4,665 |
| Noninterest income to average assets | 0.5755% | 3,613 |
| Noninterest expense to average assets | 2.8863% | 4,144 |
| Loan and lease loss provision to assets | 0.4239% | 3,368 |
| Net operating income to assets | 0.4889% | 4,367 |
| Return on assets (ROA) | 0.4889% | 4,566 |
| Pretax return on assets | 0.7754% | 3,990 |
| Return on Equity (ROE) | 4.9759% | 4,304 |
| Retained earnings to average equity (ytd only) | 4.9759% | 3,008 |
| Net charge-offs to loans | 0.2962% | 4,178 |
| Credit loss provision to net charge-offs | 193.3551% | 1,847 |
| Earnings coverage of net charge-offs (x) | 5.4706% | 2,738 |
| Efficiency ratio | 70.6453% | 3,947 |
| Assets per employee ($millions) | 5.9871% | 1,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8368% | 2,670 |
| Loan loss allowance to noncurrent loans | 131.2092% | 2,168 |
| Noncurrent assets plus other real estate owned to assets | 1.1633% | 4,793 |
| Noncurrent loans to loans | 1.3999% | 4,517 |
| Net loans and leases to total assets | 72.4018% | 2,167 |
| Net loans and leases to deposits | 80.2340% | 3,408 |
| Net loans and leases to core deposits | 89.6248% | 3,152 |
| Total domestic deposits to total assets | 90.2383% | 758 |
| Equity capital to assets | 9.4468% | 4,921 |
| Core capital (leverage) ratio | 9.5874% | 3,783 |
| Tier 1 risk-based capital ratio | 11.0201% | 6,363 |
| Total risk-based capital ratio | 12.2744% | 6,337 |
| Memoranda: | ||
| Average total assets | $558,302,750 | 1,208 |
| Average earning assets | $538,024,750 | 1,143 |
| Average equity | $54,850,250 | 1,217 |
| Average total loans | $413,212,000 | 1,098 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2812% | 7,077 |
| Cost of funding earning assets | 0.6240% | 7,356 |
| Net interest margin | 3.6572% | 4,552 |
| Noninterest income to average assets | 0.5684% | 3,556 |
| Noninterest expense to average assets | 2.8451% | 4,289 |
| Loan and lease loss provision to assets | 0.4663% | 2,986 |
| Net operating income to assets | 0.4927% | 4,362 |
| Return on assets (ROA) | 0.4927% | 4,520 |
| Pretax return on assets | 0.7787% | 3,959 |
| Return on Equity (ROE) | 4.9459% | 4,309 |
| Retained earnings to average equity (ytd only) | 4.9459% | 2,936 |
| Net charge-offs to loans | 0.4126% | 3,337 |
| Credit loss provision to net charge-offs | 152.5120% | 2,572 |
| Earnings coverage of net charge-offs (x) | 4.0718% | 3,066 |
| Efficiency ratio | 69.5609% | 4,267 |
| Assets per employee ($millions) | 5.7877% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8819% | 2,466 |
| Loan loss allowance to noncurrent loans | 118.6779% | 2,358 |
| Noncurrent assets plus other real estate owned to assets | 1.2894% | 4,570 |
| Noncurrent loans to loans | 1.5857% | 4,332 |
| Net loans and leases to total assets | 71.4285% | 2,559 |
| Net loans and leases to deposits | 79.5722% | 3,673 |
| Net loans and leases to core deposits | 90.3005% | 3,209 |
| Total domestic deposits to total assets | 89.7656% | 1,038 |
| Equity capital to assets | 9.9250% | 4,103 |
| Core capital (leverage) ratio | 9.6536% | 3,602 |
| Tier 1 risk-based capital ratio | 11.4565% | 5,813 |
| Total risk-based capital ratio | 12.7109% | 5,782 |
| Memoranda: | ||
| Average total assets | $546,828,000 | 1,245 |
| Average earning assets | $526,578,670 | 1,175 |
| Average equity | $54,469,000 | 1,218 |
| Average total loans | $405,224,330 | 1,138 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3261% | 7,092 |
| Cost of funding earning assets | 0.6509% | 7,437 |
| Net interest margin | 3.6751% | 4,372 |
| Noninterest income to average assets | 0.5523% | 3,636 |
| Noninterest expense to average assets | 2.8309% | 4,366 |
| Loan and lease loss provision to assets | 0.4056% | 2,934 |
| Net operating income to assets | 0.5427% | 4,169 |
| Return on assets (ROA) | 0.5427% | 4,304 |
| Pretax return on assets | 0.8547% | 3,646 |
| Return on Equity (ROE) | 5.4387% | 4,136 |
| Retained earnings to average equity (ytd only) | 5.4387% | 2,907 |
| Net charge-offs to loans | 0.4004% | 2,841 |
| Credit loss provision to net charge-offs | 135.4680% | 2,608 |
| Earnings coverage of net charge-offs (x) | 4.2094% | 2,672 |
| Efficiency ratio | 69.1961% | 4,473 |
| Assets per employee ($millions) | 6.1962% | 1,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8290% | 2,643 |
| Loan loss allowance to noncurrent loans | 147.5797% | 1,888 |
| Noncurrent assets plus other real estate owned to assets | 0.9967% | 5,153 |
| Noncurrent loans to loans | 1.2393% | 4,901 |
| Net loans and leases to total assets | 70.4267% | 2,818 |
| Net loans and leases to deposits | 78.3692% | 3,970 |
| Net loans and leases to core deposits | 90.0090% | 3,358 |
| Total domestic deposits to total assets | 89.8653% | 1,059 |
| Equity capital to assets | 9.7580% | 4,163 |
| Core capital (leverage) ratio | 9.8883% | 3,297 |
| Tier 1 risk-based capital ratio | 11.6089% | 5,567 |
| Total risk-based capital ratio | 12.8628% | 5,531 |
| Memoranda: | ||
| Average total assets | $542,434,000 | 1,290 |
| Average earning assets | $522,320,000 | 1,215 |
| Average equity | $54,131,000 | 1,231 |
| Average total loans | $405,596,500 | 1,166 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5733% | 7,311 |
| Cost of funding earning assets | 0.9987% | 7,208 |
| Net interest margin | 3.5746% | 4,639 |
| Noninterest income to average assets | 0.6012% | 3,623 |
| Noninterest expense to average assets | 2.7722% | 5,079 |
| Loan and lease loss provision to assets | 0.7585% | 2,835 |
| Net operating income to assets | 0.3849% | 4,183 |
| Return on assets (ROA) | 0.3849% | 4,289 |
| Pretax return on assets | 0.5025% | 4,176 |
| Return on Equity (ROE) | 3.6677% | 4,221 |
| Retained earnings to average equity (ytd only) | 3.6677% | 2,625 |
| Net charge-offs to loans | 0.3366% | 4,550 |
| Credit loss provision to net charge-offs | 279.9853% | 1,216 |
| Earnings coverage of net charge-offs (x) | 4.6549% | 2,865 |
| Efficiency ratio | 68.7342% | 4,873 |
| Assets per employee ($millions) | 5.6689% | 1,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7447% | 2,731 |
| Loan loss allowance to noncurrent loans | 150.7566% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 1.0258% | 5,055 |
| Noncurrent loans to loans | 1.1573% | 5,013 |
| Net loans and leases to total assets | 76.6228% | 1,666 |
| Net loans and leases to deposits | 85.6229% | 2,979 |
| Net loans and leases to core deposits | 114.1167% | 2,486 |
| Total domestic deposits to total assets | 89.4886% | 1,213 |
| Equity capital to assets | 10.2134% | 3,496 |
| Core capital (leverage) ratio | 10.1255% | 2,975 |
| Tier 1 risk-based capital ratio | 11.1881% | 5,734 |
| Total risk-based capital ratio | 12.4412% | 5,690 |
| Memoranda: | ||
| Average total assets | $501,653,200 | 1,369 |
| Average earning assets | $481,648,000 | 1,309 |
| Average equity | $52,648,200 | 1,254 |
| Average total loans | $403,798,800 | 1,191 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5445% | 7,462 |
| Cost of funding earning assets | 1.0846% | 7,205 |
| Net interest margin | 3.4599% | 5,029 |
| Noninterest income to average assets | 0.5995% | 3,710 |
| Noninterest expense to average assets | 2.7591% | 5,066 |
| Loan and lease loss provision to assets | 0.2571% | 4,896 |
| Net operating income to assets | 0.5672% | 3,736 |
| Return on assets (ROA) | 0.5672% | 3,806 |
| Pretax return on assets | 0.9024% | 3,220 |
| Return on Equity (ROE) | 5.3664% | 3,801 |
| Retained earnings to average equity (ytd only) | 5.3664% | 2,274 |
| Net charge-offs to loans | 0.3002% | 4,151 |
| Credit loss provision to net charge-offs | 105.5249% | 4,818 |
| Earnings coverage of net charge-offs (x) | 4.7591% | 3,021 |
| Efficiency ratio | 70.4108% | 4,509 |
| Assets per employee ($millions) | 5.5912% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1414% | 5,470 |
| Loan loss allowance to noncurrent loans | 99.6246% | 2,783 |
| Noncurrent assets plus other real estate owned to assets | 1.0683% | 4,940 |
| Noncurrent loans to loans | 1.1457% | 5,031 |
| Net loans and leases to total assets | 80.4366% | 1,100 |
| Net loans and leases to deposits | 89.9988% | 2,583 |
| Net loans and leases to core deposits | 119.8861% | 2,256 |
| Total domestic deposits to total assets | 89.3752% | 1,026 |
| Equity capital to assets | 10.4264% | 3,589 |
| Core capital (leverage) ratio | 10.2905% | 2,982 |
| Tier 1 risk-based capital ratio | 11.1140% | 5,842 |
| Total risk-based capital ratio | 12.1205% | 6,044 |
| Memoranda: | ||
| Average total assets | $495,264,000 | 1,408 |
| Average earning assets | $475,110,250 | 1,349 |
| Average equity | $52,348,750 | 1,284 |
| Average total loans | $401,964,500 | 1,217 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5098% | 7,621 |
| Cost of funding earning assets | 1.1795% | 7,167 |
| Net interest margin | 3.3303% | 5,439 |
| Noninterest income to average assets | 0.5960% | 3,730 |
| Noninterest expense to average assets | 2.7732% | 5,077 |
| Loan and lease loss provision to assets | 0.2168% | 4,874 |
| Net operating income to assets | 0.4987% | 4,098 |
| Return on assets (ROA) | 0.4987% | 4,220 |
| Pretax return on assets | 0.7871% | 3,713 |
| Return on Equity (ROE) | 4.6956% | 4,216 |
| Retained earnings to average equity (ytd only) | 4.6956% | 2,687 |
| Net charge-offs to loans | 0.2558% | 3,919 |
| Credit loss provision to net charge-offs | 104.5365% | 4,396 |
| Earnings coverage of net charge-offs (x) | 4.8402% | 2,987 |
| Efficiency ratio | 73.4214% | 4,123 |
| Assets per employee ($millions) | 5.8829% | 1,285 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1699% | 5,147 |
| Loan loss allowance to noncurrent loans | 128.2744% | 2,294 |
| Noncurrent assets plus other real estate owned to assets | 0.8603% | 5,264 |
| Noncurrent loans to loans | 0.9120% | 5,392 |
| Net loans and leases to total assets | 78.4029% | 1,660 |
| Net loans and leases to deposits | 87.5419% | 3,251 |
| Net loans and leases to core deposits | 115.1579% | 2,792 |
| Total domestic deposits to total assets | 89.5605% | 1,017 |
| Equity capital to assets | 10.2658% | 3,648 |
| Core capital (leverage) ratio | 10.1845% | 3,113 |
| Tier 1 risk-based capital ratio | 11.0476% | 5,831 |
| Total risk-based capital ratio | 12.0602% | 6,006 |
| Memoranda: | ||
| Average total assets | $488,889,000 | 1,446 |
| Average earning assets | $466,986,330 | 1,385 |
| Average equity | $51,921,000 | 1,310 |
| Average total loans | $396,441,330 | 1,253 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5487% | 7,672 |
| Cost of funding earning assets | 1.2832% | 7,068 |
| Net interest margin | 3.2655% | 5,635 |
| Noninterest income to average assets | 0.5613% | 3,825 |
| Noninterest expense to average assets | 2.6819% | 5,091 |
| Loan and lease loss provision to assets | 0.2178% | 4,274 |
| Net operating income to assets | 0.4968% | 4,435 |
| Return on assets (ROA) | 0.4968% | 4,622 |
| Pretax return on assets | 0.7767% | 4,162 |
| Return on Equity (ROE) | 4.5960% | 4,663 |
| Retained earnings to average equity (ytd only) | 4.5960% | 3,370 |
| Net charge-offs to loans | 0.2768% | 3,015 |
| Credit loss provision to net charge-offs | 95.9410% | 3,873 |
| Earnings coverage of net charge-offs (x) | 4.3801% | 2,899 |
| Efficiency ratio | 72.9490% | 4,016 |
| Assets per employee ($millions) | 5.6833% | 1,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2009% | 4,800 |
| Loan loss allowance to noncurrent loans | 102.6333% | 2,996 |
| Noncurrent assets plus other real estate owned to assets | 0.9401% | 4,840 |
| Noncurrent loans to loans | 1.1701% | 4,645 |
| Net loans and leases to total assets | 79.3832% | 1,499 |
| Net loans and leases to deposits | 88.9618% | 3,113 |
| Net loans and leases to core deposits | 120.5524% | 2,370 |
| Total domestic deposits to total assets | 89.2329% | 1,131 |
| Equity capital to assets | 10.6247% | 3,353 |
| Core capital (leverage) ratio | 10.5296% | 2,889 |
| Tier 1 risk-based capital ratio | 11.2659% | 5,630 |
| Total risk-based capital ratio | 12.3044% | 5,767 |
| Memoranda: | ||
| Average total assets | $477,426,000 | 1,496 |
| Average earning assets | $455,431,000 | 1,418 |
| Average equity | $51,610,500 | 1,325 |
| Average total loans | $391,648,000 | 1,275 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2912% | 7,604 |
| Cost of funding earning assets | 1.7581% | 7,117 |
| Net interest margin | 3.5331% | 5,178 |
| Noninterest income to average assets | 0.6162% | 3,737 |
| Noninterest expense to average assets | 2.6616% | 5,408 |
| Loan and lease loss provision to assets | 0.1100% | 5,964 |
| Net operating income to assets | 0.7495% | 3,675 |
| Return on assets (ROA) | 0.7495% | 3,511 |
| Pretax return on assets | 1.1959% | 2,655 |
| Return on Equity (ROE) | 7.0034% | 3,528 |
| Retained earnings to average equity (ytd only) | 7.0034% | 1,150 |
| Net charge-offs to loans | 0.1749% | 4,447 |
| Credit loss provision to net charge-offs | 77.1605% | 5,956 |
| Earnings coverage of net charge-offs (x) | 9.1636% | 2,744 |
| Efficiency ratio | 67.0861% | 4,892 |
| Assets per employee ($millions) | 5.2964% | 1,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 4,453 |
| Loan loss allowance to noncurrent loans | 105.4663% | 3,292 |
| Noncurrent assets plus other real estate owned to assets | 0.9616% | 4,426 |
| Noncurrent loans to loans | 1.1475% | 4,248 |
| Net loans and leases to total assets | 82.7862% | 1,082 |
| Net loans and leases to deposits | 93.1492% | 2,936 |
| Net loans and leases to core deposits | 125.4630% | 2,209 |
| Total domestic deposits to total assets | 88.8748% | 1,093 |
| Equity capital to assets | 11.0046% | 3,037 |
| Core capital (leverage) ratio | 10.9285% | 2,647 |
| Tier 1 risk-based capital ratio | 11.2770% | 5,459 |
| Total risk-based capital ratio | 12.3321% | 5,538 |
| Memoranda: | ||
| Average total assets | $454,728,800 | 1,510 |
| Average earning assets | $431,319,400 | 1,449 |
| Average equity | $48,661,800 | 1,411 |
| Average total loans | $370,452,200 | 1,311 |