Home > First Community Bank of Mercersburg > Performance and Condition Ratios
First Community Bank of Mercersburg, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5259% | 2,205 |
| Cost of funding earning assets | 0.4953% | 3,225 |
| Net interest margin | 4.0306% | 1,854 |
| Noninterest income to average assets | 0.5262% | 2,709 |
| Noninterest expense to average assets | 3.8234% | 650 |
| Loan and lease loss provision to assets | 0.0612% | 2,751 |
| Net operating income to assets | 0.2427% | 5,163 |
| Return on assets (ROA) | 0.2427% | 5,155 |
| Pretax return on assets | 0.2653% | 5,165 |
| Return on Equity (ROE) | 2.1419% | 5,114 |
| Retained earnings to average equity (ytd only) | -0.0450% | 5,043 |
| Net charge-offs to loans | 0.1193% | 1,315 |
| Credit loss provision to net charge-offs | 62.2222% | 2,720 |
| Earnings coverage of net charge-offs (x) | 3.3184% | 3,170 |
| Efficiency ratio | 92.1321% | 277 |
| Assets per employee ($millions) | 5.2617% | 2,160 |
| Cash dividends to net income (ytd only)* | 102.1014% | 245 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0826% | 3,289 |
| Loan loss allowance to noncurrent loans | 300.3724% | 1,654 |
| Noncurrent assets plus other real estate owned to assets | 0.2916% | 3,525 |
| Noncurrent loans to loans | 0.3604% | 3,357 |
| Net loans and leases to total assets | 80.0311% | 1,014 |
| Net loans and leases to deposits | 91.5742% | 1,676 |
| Net loans and leases to core deposits | 97.0130% | 2,025 |
| Total domestic deposits to total assets | 87.3947% | 1,549 |
| Equity capital to assets | 11.3461% | 2,363 |
| Core capital (leverage) ratio | 11.4957% | 2,168 |
| Tier 1 risk-based capital ratio | 16.7511% | 2,181 |
| Total risk-based capital ratio | 18.0035% | 2,134 |
| Memoranda: | ||
| Average total assets | $182,938,250 | 3,049 |
| Average earning assets | $164,469,750 | 3,102 |
| Average equity | $20,729,000 | 3,046 |
| Average total loans | $150,918,500 | 2,648 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5266% | 2,008 |
| Cost of funding earning assets | 0.4907% | 3,080 |
| Net interest margin | 4.0358% | 1,739 |
| Noninterest income to average assets | 0.4898% | 2,917 |
| Noninterest expense to average assets | 3.2203% | 1,488 |
| Loan and lease loss provision to assets | 0.0263% | 3,389 |
| Net operating income to assets | 0.7243% | 4,125 |
| Return on assets (ROA) | 0.7243% | 4,132 |
| Pretax return on assets | 0.8568% | 4,085 |
| Return on Equity (ROE) | 6.3946% | 4,104 |
| Retained earnings to average equity (ytd only) | 4.1986% | 3,511 |
| Net charge-offs to loans | 0.1306% | 1,136 |
| Credit loss provision to net charge-offs | 24.2424% | 2,661 |
| Earnings coverage of net charge-offs (x) | 8.1414% | 2,499 |
| Efficiency ratio | 78.4780% | 1,167 |
| Assets per employee ($millions) | 3.8993% | 4,058 |
| Cash dividends to net income (ytd only)* | 34.3419% | 2,390 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0432% | 3,573 |
| Loan loss allowance to noncurrent loans | 238.7387% | 1,976 |
| Noncurrent assets plus other real estate owned to assets | 0.3634% | 3,289 |
| Noncurrent loans to loans | 0.4370% | 3,129 |
| Net loans and leases to total assets | 82.3005% | 679 |
| Net loans and leases to deposits | 94.3684% | 1,314 |
| Net loans and leases to core deposits | 99.8220% | 1,754 |
| Total domestic deposits to total assets | 87.2120% | 1,754 |
| Equity capital to assets | 11.3846% | 2,278 |
| Core capital (leverage) ratio | 11.4310% | 2,130 |
| Tier 1 risk-based capital ratio | 16.7901% | 2,168 |
| Total risk-based capital ratio | 18.0419% | 2,113 |
| Memoranda: | ||
| Average total assets | $182,530,670 | 3,069 |
| Average earning assets | $163,435,330 | 3,138 |
| Average equity | $20,673,670 | 3,067 |
| Average total loans | $151,558,330 | 2,651 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4913% | 1,899 |
| Cost of funding earning assets | 0.4831% | 2,928 |
| Net interest margin | 4.0083% | 1,701 |
| Noninterest income to average assets | 0.4897% | 2,871 |
| Noninterest expense to average assets | 3.2696% | 1,408 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.6587% | 4,249 |
| Return on assets (ROA) | 0.6587% | 4,257 |
| Pretax return on assets | 0.7729% | 4,215 |
| Return on Equity (ROE) | 5.8313% | 4,213 |
| Retained earnings to average equity (ytd only) | 3.6349% | 3,746 |
| Net charge-offs to loans | 0.1641% | 867 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 5.6774% | 2,214 |
| Efficiency ratio | 80.8800% | 1,055 |
| Assets per employee ($millions) | 3.5375% | 4,623 |
| Cash dividends to net income (ytd only)* | 37.6667% | 1,912 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0672% | 3,564 |
| Loan loss allowance to noncurrent loans | 221.1034% | 2,075 |
| Noncurrent assets plus other real estate owned to assets | 0.3941% | 3,261 |
| Noncurrent loans to loans | 0.4827% | 3,068 |
| Net loans and leases to total assets | 80.7817% | 825 |
| Net loans and leases to deposits | 92.4646% | 1,394 |
| Net loans and leases to core deposits | 97.4483% | 1,871 |
| Total domestic deposits to total assets | 87.3650% | 1,972 |
| Equity capital to assets | 11.2145% | 2,376 |
| Core capital (leverage) ratio | 11.3049% | 2,165 |
| Tier 1 risk-based capital ratio | 16.4074% | 2,319 |
| Total risk-based capital ratio | 17.6621% | 2,258 |
| Memoranda: | ||
| Average total assets | $182,163,500 | 3,108 |
| Average earning assets | $161,466,500 | 3,197 |
| Average equity | $20,578,500 | 3,100 |
| Average total loans | $151,128,500 | 2,672 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5318% | 1,610 |
| Cost of funding earning assets | 0.4400% | 2,874 |
| Net interest margin | 4.0918% | 1,472 |
| Noninterest income to average assets | 0.5651% | 2,628 |
| Noninterest expense to average assets | 3.1842% | 1,643 |
| Loan and lease loss provision to assets | 0.0851% | 2,500 |
| Net operating income to assets | 0.4811% | 4,421 |
| Return on assets (ROA) | 0.4811% | 4,457 |
| Pretax return on assets | 0.9316% | 3,803 |
| Return on Equity (ROE) | 4.2283% | 4,426 |
| Retained earnings to average equity (ytd only) | 2.0091% | 4,115 |
| Net charge-offs to loans | 0.0224% | 3,355 |
| Credit loss provision to net charge-offs | 450.0000% | 697 |
| Earnings coverage of net charge-offs (x) | 53.7647% | 1,036 |
| Efficiency ratio | 75.7977% | 1,649 |
| Assets per employee ($millions) | 3.4688% | 4,742 |
| Cash dividends to net income (ytd only)* | 52.4855% | 2,152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0950% | 3,384 |
| Loan loss allowance to noncurrent loans | 280.7757% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.3288% | 3,557 |
| Noncurrent loans to loans | 0.3900% | 3,362 |
| Net loans and leases to total assets | 83.3759% | 507 |
| Net loans and leases to deposits | 95.7179% | 1,114 |
| Net loans and leases to core deposits | 99.3762% | 1,762 |
| Total domestic deposits to total assets | 87.1059% | 1,940 |
| Equity capital to assets | 11.3806% | 2,301 |
| Core capital (leverage) ratio | 11.4869% | 1,949 |
| Tier 1 risk-based capital ratio | 16.2376% | 2,350 |
| Total risk-based capital ratio | 17.4928% | 2,285 |
| Memoranda: | ||
| Average total assets | $179,792,400 | 3,117 |
| Average earning assets | $159,759,800 | 3,202 |
| Average equity | $20,457,200 | 3,091 |
| Average total loans | $151,867,000 | 2,637 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5144% | 1,603 |
| Cost of funding earning assets | 0.4405% | 2,806 |
| Net interest margin | 4.0739% | 1,469 |
| Noninterest income to average assets | 0.5255% | 2,864 |
| Noninterest expense to average assets | 3.1802% | 1,603 |
| Loan and lease loss provision to assets | 0.0965% | 2,172 |
| Net operating income to assets | 0.6561% | 4,171 |
| Return on assets (ROA) | 0.6561% | 4,224 |
| Pretax return on assets | 0.8728% | 4,133 |
| Return on Equity (ROE) | 5.7665% | 4,221 |
| Retained earnings to average equity (ytd only) | 3.5486% | 3,799 |
| Net charge-offs to loans | 0.0132% | 3,266 |
| Credit loss provision to net charge-offs | 866.6667% | 409 |
| Earnings coverage of net charge-offs (x) | 87.0645% | 762 |
| Efficiency ratio | 76.6410% | 1,505 |
| Assets per employee ($millions) | 3.4906% | 4,746 |
| Cash dividends to net income (ytd only)* | 38.4613% | 2,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0754% | 3,633 |
| Loan loss allowance to noncurrent loans | 268.7702% | 1,738 |
| Noncurrent assets plus other real estate owned to assets | 0.3405% | 3,685 |
| Noncurrent loans to loans | 0.4001% | 3,512 |
| Net loans and leases to total assets | 84.1785% | 417 |
| Net loans and leases to deposits | 96.6751% | 1,046 |
| Net loans and leases to core deposits | 99.9562% | 1,711 |
| Total domestic deposits to total assets | 87.0737% | 1,843 |
| Equity capital to assets | 11.3926% | 2,474 |
| Core capital (leverage) ratio | 11.3159% | 2,173 |
| Tier 1 risk-based capital ratio | 15.8558% | 2,569 |
| Total risk-based capital ratio | 17.1112% | 2,496 |
| Memoranda: | ||
| Average total assets | $179,646,250 | 3,142 |
| Average earning assets | $159,809,750 | 3,227 |
| Average equity | $20,439,500 | 3,112 |
| Average total loans | $151,819,750 | 2,653 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4968% | 1,515 |
| Cost of funding earning assets | 0.4377% | 2,722 |
| Net interest margin | 4.0591% | 1,434 |
| Noninterest income to average assets | 0.5050% | 2,997 |
| Noninterest expense to average assets | 3.1828% | 1,621 |
| Loan and lease loss provision to assets | 0.0950% | 2,089 |
| Net operating income to assets | 0.6290% | 4,171 |
| Return on assets (ROA) | 0.6290% | 4,219 |
| Pretax return on assets | 0.8323% | 4,153 |
| Return on Equity (ROE) | 5.5305% | 4,252 |
| Retained earnings to average equity (ytd only) | 3.3006% | 3,754 |
| Net charge-offs to loans | -0.0027% | 4,211 |
| Credit loss provision to net charge-offs | -4,250.0000% | 5,054 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4395% | 1,537 |
| Assets per employee ($millions) | 3.3794% | 4,892 |
| Cash dividends to net income (ytd only)* | 40.3197% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0735% | 3,726 |
| Loan loss allowance to noncurrent loans | 107.3636% | 3,440 |
| Noncurrent assets plus other real estate owned to assets | 0.8492% | 2,085 |
| Noncurrent loans to loans | 0.9999% | 1,962 |
| Net loans and leases to total assets | 84.0203% | 446 |
| Net loans and leases to deposits | 96.5657% | 1,021 |
| Net loans and leases to core deposits | 99.8865% | 1,656 |
| Total domestic deposits to total assets | 87.0084% | 1,951 |
| Equity capital to assets | 11.4384% | 2,379 |
| Core capital (leverage) ratio | 11.2195% | 2,206 |
| Tier 1 risk-based capital ratio | 15.9004% | 2,544 |
| Total risk-based capital ratio | 17.1561% | 2,481 |
| Memoranda: | ||
| Average total assets | $179,024,000 | 3,166 |
| Average earning assets | $159,000,330 | 3,258 |
| Average equity | $20,359,670 | 3,117 |
| Average total loans | $150,941,000 | 2,671 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4615% | 1,467 |
| Cost of funding earning assets | 0.4257% | 2,761 |
| Net interest margin | 4.0357% | 1,383 |
| Noninterest income to average assets | 0.4626% | 3,232 |
| Noninterest expense to average assets | 3.1713% | 1,693 |
| Loan and lease loss provision to assets | 0.0782% | 2,250 |
| Net operating income to assets | 0.6034% | 4,149 |
| Return on assets (ROA) | 0.6034% | 4,202 |
| Pretax return on assets | 0.7934% | 4,129 |
| Return on Equity (ROE) | 5.3212% | 4,242 |
| Retained earnings to average equity (ytd only) | 3.0942% | 3,866 |
| Net charge-offs to loans | -0.0027% | 4,042 |
| Credit loss provision to net charge-offs | -3,500.0000% | 4,668 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.4411% | 1,573 |
| Assets per employee ($millions) | 3.4800% | 4,819 |
| Cash dividends to net income (ytd only)* | 41.8519% | 1,945 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0484% | 3,986 |
| Loan loss allowance to noncurrent loans | 538.0952% | 1,000 |
| Noncurrent assets plus other real estate owned to assets | 0.1951% | 4,460 |
| Noncurrent loans to loans | 0.1948% | 4,421 |
| Net loans and leases to total assets | 82.5093% | 511 |
| Net loans and leases to deposits | 94.5640% | 1,058 |
| Net loans and leases to core deposits | 97.8203% | 1,670 |
| Total domestic deposits to total assets | 87.2524% | 2,089 |
| Equity capital to assets | 11.2650% | 2,372 |
| Core capital (leverage) ratio | 11.2624% | 2,132 |
| Tier 1 risk-based capital ratio | 15.9197% | 2,585 |
| Total risk-based capital ratio | 17.1752% | 2,526 |
| Memoranda: | ||
| Average total assets | $178,982,000 | 3,198 |
| Average earning assets | $158,781,000 | 3,286 |
| Average equity | $20,296,000 | 3,138 |
| Average total loans | $150,351,500 | 2,697 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4970% | 1,549 |
| Cost of funding earning assets | 0.4078% | 2,930 |
| Net interest margin | 4.0892% | 1,403 |
| Noninterest income to average assets | 0.5443% | 2,951 |
| Noninterest expense to average assets | 3.2154% | 1,753 |
| Loan and lease loss provision to assets | 0.2600% | 794 |
| Net operating income to assets | 0.5981% | 4,212 |
| Return on assets (ROA) | 0.6159% | 4,258 |
| Pretax return on assets | 0.7586% | 4,307 |
| Return on Equity (ROE) | 5.3248% | 4,260 |
| Retained earnings to average equity (ytd only) | 3.3817% | 3,517 |
| Net charge-offs to loans | 0.2325% | 1,193 |
| Credit loss provision to net charge-offs | 131.9648% | 2,044 |
| Earnings coverage of net charge-offs (x) | 5.0587% | 3,396 |
| Efficiency ratio | 76.3374% | 1,930 |
| Assets per employee ($millions) | 3.4039% | 4,900 |
| Cash dividends to net income (ytd only)* | 36.4916% | 3,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0320% | 4,128 |
| Loan loss allowance to noncurrent loans | 878.4091% | 676 |
| Noncurrent assets plus other real estate owned to assets | 0.1328% | 4,784 |
| Noncurrent loans to loans | 0.1175% | 4,768 |
| Net loans and leases to total assets | 83.7643% | 406 |
| Net loans and leases to deposits | 96.1518% | 983 |
| Net loans and leases to core deposits | 99.5254% | 1,656 |
| Total domestic deposits to total assets | 87.1167% | 2,079 |
| Equity capital to assets | 11.4161% | 2,234 |
| Core capital (leverage) ratio | 11.4934% | 1,929 |
| Tier 1 risk-based capital ratio | 16.1241% | 2,497 |
| Total risk-based capital ratio | 17.3748% | 2,437 |
| Memoranda: | ||
| Average total assets | $173,072,200 | 3,244 |
| Average earning assets | $155,236,800 | 3,313 |
| Average equity | $20,019,400 | 3,169 |
| Average total loans | $146,656,400 | 2,684 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4847% | 1,591 |
| Cost of funding earning assets | 0.4056% | 2,966 |
| Net interest margin | 4.0791% | 1,445 |
| Noninterest income to average assets | 0.5253% | 3,078 |
| Noninterest expense to average assets | 3.2881% | 1,592 |
| Loan and lease loss provision to assets | 0.3254% | 506 |
| Net operating income to assets | 0.4736% | 4,792 |
| Return on assets (ROA) | 0.4974% | 4,798 |
| Pretax return on assets | 0.6113% | 4,843 |
| Return on Equity (ROE) | 4.2858% | 4,798 |
| Retained earnings to average equity (ytd only) | 2.3365% | 4,521 |
| Net charge-offs to loans | 0.2879% | 794 |
| Credit loss provision to net charge-offs | 133.3333% | 1,942 |
| Earnings coverage of net charge-offs (x) | 3.7174% | 3,370 |
| Efficiency ratio | 78.3749% | 1,635 |
| Assets per employee ($millions) | 3.2656% | 5,086 |
| Cash dividends to net income (ytd only)* | 45.4824% | 2,108 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 4,207 |
| Loan loss allowance to noncurrent loans | 168.7090% | 2,556 |
| Noncurrent assets plus other real estate owned to assets | 0.5183% | 3,383 |
| Noncurrent loans to loans | 0.6139% | 3,176 |
| Net loans and leases to total assets | 83.5572% | 453 |
| Net loans and leases to deposits | 95.8486% | 1,063 |
| Net loans and leases to core deposits | 99.3875% | 1,695 |
| Total domestic deposits to total assets | 87.1763% | 1,813 |
| Equity capital to assets | 11.3550% | 2,648 |
| Core capital (leverage) ratio | 11.4368% | 2,084 |
| Tier 1 risk-based capital ratio | 15.6857% | 2,757 |
| Total risk-based capital ratio | 16.9117% | 2,694 |
| Memoranda: | ||
| Average total assets | $172,089,000 | 3,265 |
| Average earning assets | $154,834,000 | 3,328 |
| Average equity | $19,972,500 | 3,193 |
| Average total loans | $145,867,250 | 2,697 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4710% | 1,601 |
| Cost of funding earning assets | 0.4030% | 3,009 |
| Net interest margin | 4.0680% | 1,450 |
| Noninterest income to average assets | 0.4945% | 3,233 |
| Noninterest expense to average assets | 3.3081% | 1,574 |
| Loan and lease loss provision to assets | 0.2637% | 709 |
| Net operating income to assets | 0.4854% | 4,739 |
| Return on assets (ROA) | 0.5215% | 4,717 |
| Pretax return on assets | 0.6457% | 4,772 |
| Return on Equity (ROE) | 4.4600% | 4,728 |
| Retained earnings to average equity (ytd only) | 2.5156% | 4,281 |
| Net charge-offs to loans | 0.1684% | 1,330 |
| Credit loss provision to net charge-offs | 184.4262% | 1,376 |
| Earnings coverage of net charge-offs (x) | 6.0492% | 2,786 |
| Efficiency ratio | 79.2755% | 1,595 |
| Assets per employee ($millions) | 3.1894% | 5,219 |
| Cash dividends to net income (ytd only)* | 43.5955% | 2,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0431% | 4,258 |
| Loan loss allowance to noncurrent loans | 152.4752% | 2,826 |
| Noncurrent assets plus other real estate owned to assets | 0.5864% | 3,266 |
| Noncurrent loans to loans | 0.6841% | 3,023 |
| Net loans and leases to total assets | 84.8275% | 349 |
| Net loans and leases to deposits | 97.6878% | 916 |
| Net loans and leases to core deposits | 101.3936% | 1,520 |
| Total domestic deposits to total assets | 86.8353% | 1,994 |
| Equity capital to assets | 11.6516% | 2,403 |
| Core capital (leverage) ratio | 11.5945% | 1,915 |
| Tier 1 risk-based capital ratio | 15.9456% | 2,669 |
| Total risk-based capital ratio | 17.1888% | 2,608 |
| Memoranda: | ||
| Average total assets | $170,670,330 | 3,302 |
| Average earning assets | $154,326,670 | 3,343 |
| Average equity | $19,955,330 | 3,206 |
| Average total loans | $144,859,330 | 2,705 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4496% | 1,656 |
| Cost of funding earning assets | 0.4069% | 2,997 |
| Net interest margin | 4.0427% | 1,498 |
| Noninterest income to average assets | 0.4991% | 3,117 |
| Noninterest expense to average assets | 3.3386% | 1,511 |
| Loan and lease loss provision to assets | 0.1059% | 1,927 |
| Net operating income to assets | 0.5627% | 4,353 |
| Return on assets (ROA) | 0.5627% | 4,459 |
| Pretax return on assets | 0.7040% | 4,512 |
| Return on Equity (ROE) | 4.8041% | 4,579 |
| Retained earnings to average equity (ytd only) | 2.8543% | 4,084 |
| Net charge-offs to loans | 0.2342% | 875 |
| Credit loss provision to net charge-offs | 53.5714% | 2,023 |
| Earnings coverage of net charge-offs (x) | 4.0952% | 2,468 |
| Efficiency ratio | 80.4767% | 1,551 |
| Assets per employee ($millions) | 3.2841% | 5,151 |
| Cash dividends to net income (ytd only)* | 40.5858% | 2,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9643% | 4,781 |
| Loan loss allowance to noncurrent loans | 117.4790% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 0.6968% | 2,975 |
| Noncurrent loans to loans | 0.8208% | 2,785 |
| Net loans and leases to total assets | 84.0752% | 365 |
| Net loans and leases to deposits | 96.8492% | 861 |
| Net loans and leases to core deposits | 100.5498% | 1,443 |
| Total domestic deposits to total assets | 86.8104% | 2,291 |
| Equity capital to assets | 11.6934% | 2,248 |
| Core capital (leverage) ratio | 11.6651% | 1,854 |
| Tier 1 risk-based capital ratio | 16.1399% | 2,613 |
| Total risk-based capital ratio | 17.2900% | 2,614 |
| Memoranda: | ||
| Average total assets | $169,892,500 | 3,329 |
| Average earning assets | $153,362,000 | 3,375 |
| Average equity | $19,899,500 | 3,213 |
| Average total loans | $143,471,500 | 2,731 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4763% | 1,673 |
| Cost of funding earning assets | 0.4424% | 2,716 |
| Net interest margin | 4.0339% | 1,607 |
| Noninterest income to average assets | 0.5340% | 3,116 |
| Noninterest expense to average assets | 3.2641% | 1,801 |
| Loan and lease loss provision to assets | 0.0775% | 2,729 |
| Net operating income to assets | 0.6388% | 4,093 |
| Return on assets (ROA) | 0.6472% | 4,146 |
| Pretax return on assets | 0.7783% | 4,266 |
| Return on Equity (ROE) | 5.5503% | 4,260 |
| Retained earnings to average equity (ytd only) | 3.5622% | 3,527 |
| Net charge-offs to loans | 0.2914% | 1,047 |
| Credit loss provision to net charge-offs | 32.8283% | 3,615 |
| Earnings coverage of net charge-offs (x) | 3.5833% | 3,705 |
| Efficiency ratio | 79.4229% | 1,760 |
| Assets per employee ($millions) | 3.1299% | 5,378 |
| Cash dividends to net income (ytd only)* | 35.8195% | 3,063 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 4,534 |
| Loan loss allowance to noncurrent loans | 105.1977% | 3,570 |
| Noncurrent assets plus other real estate owned to assets | 0.8082% | 2,648 |
| Noncurrent loans to loans | 0.9622% | 2,405 |
| Net loans and leases to total assets | 83.1481% | 472 |
| Net loans and leases to deposits | 95.8622% | 1,028 |
| Net loans and leases to core deposits | 99.3391% | 1,567 |
| Total domestic deposits to total assets | 86.7372% | 2,257 |
| Equity capital to assets | 11.7328% | 2,165 |
| Core capital (leverage) ratio | 11.7801% | 1,768 |
| Tier 1 risk-based capital ratio | 15.4404% | 2,960 |
| Total risk-based capital ratio | 16.5803% | 2,966 |
| Memoranda: | ||
| Average total assets | $167,795,000 | 3,337 |
| Average earning assets | $148,738,800 | 3,426 |
| Average equity | $19,566,600 | 3,215 |
| Average total loans | $135,895,800 | 2,785 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4587% | 1,730 |
| Cost of funding earning assets | 0.4506% | 2,677 |
| Net interest margin | 4.0081% | 1,672 |
| Noninterest income to average assets | 0.5294% | 3,169 |
| Noninterest expense to average assets | 3.2733% | 1,770 |
| Loan and lease loss provision to assets | 0.0796% | 2,583 |
| Net operating income to assets | 0.6016% | 4,378 |
| Return on assets (ROA) | 0.6130% | 4,427 |
| Pretax return on assets | 0.7300% | 4,570 |
| Return on Equity (ROE) | 5.2646% | 4,509 |
| Retained earnings to average equity (ytd only) | 3.2682% | 4,135 |
| Net charge-offs to loans | 0.3889% | 663 |
| Credit loss provision to net charge-offs | 25.5102% | 3,319 |
| Earnings coverage of net charge-offs (x) | 2.5510% | 3,650 |
| Efficiency ratio | 80.4382% | 1,595 |
| Assets per employee ($millions) | 3.0836% | 5,449 |
| Cash dividends to net income (ytd only)* | 37.9218% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0210% | 4,636 |
| Loan loss allowance to noncurrent loans | 87.5310% | 3,975 |
| Noncurrent assets plus other real estate owned to assets | 0.9681% | 2,429 |
| Noncurrent loans to loans | 1.1664% | 2,187 |
| Net loans and leases to total assets | 82.1485% | 565 |
| Net loans and leases to deposits | 94.7298% | 1,115 |
| Net loans and leases to core deposits | 98.2136% | 1,681 |
| Total domestic deposits to total assets | 86.7188% | 2,179 |
| Equity capital to assets | 11.7636% | 2,295 |
| Core capital (leverage) ratio | 11.6250% | 1,938 |
| Tier 1 risk-based capital ratio | 15.5404% | 3,029 |
| Total risk-based capital ratio | 16.6800% | 3,011 |
| Memoranda: | ||
| Average total assets | $167,490,250 | 3,373 |
| Average earning assets | $147,932,000 | 3,466 |
| Average equity | $19,500,750 | 3,250 |
| Average total loans | $134,377,500 | 2,828 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4246% | 1,775 |
| Cost of funding earning assets | 0.4606% | 2,605 |
| Net interest margin | 3.9640% | 1,765 |
| Noninterest income to average assets | 0.4636% | 3,606 |
| Noninterest expense to average assets | 3.2238% | 1,911 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6185% | 4,260 |
| Return on assets (ROA) | 0.6185% | 4,381 |
| Pretax return on assets | 0.7270% | 4,575 |
| Return on Equity (ROE) | 5.3308% | 4,464 |
| Retained earnings to average equity (ytd only) | 3.3382% | 3,921 |
| Net charge-offs to loans | 0.1713% | 1,442 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 5.3509% | 2,930 |
| Efficiency ratio | 81.5988% | 1,541 |
| Assets per employee ($millions) | 3.1089% | 5,455 |
| Cash dividends to net income (ytd only)* | 37.3796% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 3,959 |
| Loan loss allowance to noncurrent loans | 94.8091% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 1.0877% | 2,337 |
| Noncurrent loans to loans | 1.2363% | 2,182 |
| Net loans and leases to total assets | 79.8050% | 825 |
| Net loans and leases to deposits | 91.9931% | 1,378 |
| Net loans and leases to core deposits | 95.5381% | 1,840 |
| Total domestic deposits to total assets | 86.7511% | 2,294 |
| Equity capital to assets | 11.6460% | 2,294 |
| Core capital (leverage) ratio | 11.5167% | 1,980 |
| Tier 1 risk-based capital ratio | 15.6235% | 3,045 |
| Total risk-based capital ratio | 16.8776% | 2,987 |
| Memoranda: | ||
| Average total assets | $167,816,000 | 3,389 |
| Average earning assets | $147,629,670 | 3,493 |
| Average equity | $19,471,670 | 3,273 |
| Average total loans | $133,103,670 | 2,855 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3523% | 1,932 |
| Cost of funding earning assets | 0.4661% | 2,599 |
| Net interest margin | 3.8862% | 1,941 |
| Noninterest income to average assets | 0.4148% | 3,881 |
| Noninterest expense to average assets | 3.1898% | 2,010 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5602% | 4,445 |
| Return on assets (ROA) | 0.5602% | 4,552 |
| Pretax return on assets | 0.6437% | 4,786 |
| Return on Equity (ROE) | 4.8374% | 4,615 |
| Retained earnings to average equity (ytd only) | 2.8407% | 4,265 |
| Net charge-offs to loans | 0.2123% | 1,095 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 3.8571% | 2,556 |
| Efficiency ratio | 83.2090% | 1,462 |
| Assets per employee ($millions) | 3.1073% | 5,537 |
| Cash dividends to net income (ytd only)* | 41.2766% | 2,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 3,743 |
| Loan loss allowance to noncurrent loans | 84.3492% | 4,062 |
| Noncurrent assets plus other real estate owned to assets | 1.1627% | 2,306 |
| Noncurrent loans to loans | 1.4696% | 1,928 |
| Net loans and leases to total assets | 77.5385% | 988 |
| Net loans and leases to deposits | 89.2757% | 1,464 |
| Net loans and leases to core deposits | 93.0411% | 1,846 |
| Total domestic deposits to total assets | 86.8529% | 2,452 |
| Equity capital to assets | 11.5970% | 2,381 |
| Core capital (leverage) ratio | 11.6055% | 1,922 |
| Tier 1 risk-based capital ratio | 16.1376% | 2,856 |
| Total risk-based capital ratio | 17.3887% | 2,793 |
| Memoranda: | ||
| Average total assets | $167,785,000 | 3,406 |
| Average earning assets | $147,600,000 | 3,508 |
| Average equity | $19,432,000 | 3,298 |
| Average total loans | $131,873,500 | 2,886 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3281% | 2,503 |
| Cost of funding earning assets | 0.5111% | 2,565 |
| Net interest margin | 3.8170% | 2,562 |
| Noninterest income to average assets | 0.5175% | 3,376 |
| Noninterest expense to average assets | 3.2553% | 2,058 |
| Loan and lease loss provision to assets | -0.0880% | 6,124 |
| Net operating income to assets | 0.6405% | 4,189 |
| Return on assets (ROA) | 0.6566% | 4,208 |
| Pretax return on assets | 0.7246% | 4,530 |
| Return on Equity (ROE) | 5.8525% | 4,225 |
| Retained earnings to average equity (ytd only) | 4.1579% | 3,236 |
| Net charge-offs to loans | 0.1653% | 2,381 |
| Credit loss provision to net charge-offs | -71.0900% | 5,462 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 3,522 |
| Efficiency ratio | 84.0224% | 1,408 |
| Assets per employee ($millions) | 3.1656% | 5,481 |
| Cash dividends to net income (ytd only)* | 28.9544% | 3,421 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2901% | 3,480 |
| Loan loss allowance to noncurrent loans | 89.1156% | 3,983 |
| Noncurrent assets plus other real estate owned to assets | 1.1563% | 2,452 |
| Noncurrent loans to loans | 1.4476% | 2,034 |
| Net loans and leases to total assets | 77.6667% | 1,045 |
| Net loans and leases to deposits | 89.3253% | 1,580 |
| Net loans and leases to core deposits | 92.8853% | 2,004 |
| Total domestic deposits to total assets | 86.9481% | 2,314 |
| Equity capital to assets | 11.5660% | 2,374 |
| Core capital (leverage) ratio | 10.7970% | 2,615 |
| Tier 1 risk-based capital ratio | 15.3711% | 3,282 |
| Total risk-based capital ratio | 16.6240% | 3,233 |
| Memoranda: | ||
| Average total assets | $170,432,200 | 3,332 |
| Average earning assets | $149,880,600 | 3,444 |
| Average equity | $19,120,000 | 3,271 |
| Average total loans | $127,613,200 | 2,906 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2838% | 2,696 |
| Cost of funding earning assets | 0.5192% | 2,572 |
| Net interest margin | 3.7646% | 2,761 |
| Noninterest income to average assets | 0.5174% | 3,428 |
| Noninterest expense to average assets | 3.2301% | 2,089 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.5385% | 4,716 |
| Return on assets (ROA) | 0.5595% | 4,709 |
| Pretax return on assets | 0.6219% | 4,960 |
| Return on Equity (ROE) | 5.0256% | 4,706 |
| Retained earnings to average equity (ytd only) | 3.3247% | 4,254 |
| Net charge-offs to loans | 0.0970% | 2,841 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 8.3480% | 2,810 |
| Efficiency ratio | 84.3680% | 1,349 |
| Assets per employee ($millions) | 3.0552% | 5,672 |
| Cash dividends to net income (ytd only)* | 33.8438% | 2,628 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5162% | 2,627 |
| Loan loss allowance to noncurrent loans | 85.9634% | 4,020 |
| Noncurrent assets plus other real estate owned to assets | 1.3578% | 2,275 |
| Noncurrent loans to loans | 1.7638% | 1,842 |
| Net loans and leases to total assets | 74.8657% | 1,384 |
| Net loans and leases to deposits | 85.6752% | 1,942 |
| Net loans and leases to core deposits | 88.9963% | 2,325 |
| Total domestic deposits to total assets | 87.3832% | 2,103 |
| Equity capital to assets | 11.2824% | 2,676 |
| Core capital (leverage) ratio | 10.6216% | 2,901 |
| Tier 1 risk-based capital ratio | 15.1929% | 3,477 |
| Total risk-based capital ratio | 16.4483% | 3,417 |
| Memoranda: | ||
| Average total assets | $171,096,250 | 3,349 |
| Average earning assets | $150,484,500 | 3,457 |
| Average equity | $19,048,750 | 3,295 |
| Average total loans | $126,514,250 | 2,946 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2995% | 2,583 |
| Cost of funding earning assets | 0.5300% | 2,540 |
| Net interest margin | 3.7695% | 2,669 |
| Noninterest income to average assets | 0.5050% | 3,448 |
| Noninterest expense to average assets | 3.2110% | 2,154 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5564% | 4,562 |
| Return on assets (ROA) | 0.5564% | 4,670 |
| Pretax return on assets | 0.6113% | 4,921 |
| Return on Equity (ROE) | 5.0200% | 4,662 |
| Retained earnings to average equity (ytd only) | 3.3115% | 4,094 |
| Net charge-offs to loans | 0.1404% | 2,263 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 5.9432% | 2,846 |
| Efficiency ratio | 84.0061% | 1,513 |
| Assets per employee ($millions) | 3.0448% | 5,691 |
| Cash dividends to net income (ytd only)* | 34.0336% | 2,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5798% | 2,539 |
| Loan loss allowance to noncurrent loans | 104.2194% | 3,552 |
| Noncurrent assets plus other real estate owned to assets | 1.1290% | 2,822 |
| Noncurrent loans to loans | 1.5159% | 2,297 |
| Net loans and leases to total assets | 72.1966% | 1,707 |
| Net loans and leases to deposits | 82.6226% | 2,179 |
| Net loans and leases to core deposits | 85.8325% | 2,530 |
| Total domestic deposits to total assets | 87.3812% | 2,257 |
| Equity capital to assets | 11.2370% | 2,666 |
| Core capital (leverage) ratio | 10.4224% | 3,058 |
| Tier 1 risk-based capital ratio | 15.4191% | 3,401 |
| Total risk-based capital ratio | 16.6749% | 3,336 |
| Memoranda: | ||
| Average total assets | $171,098,670 | 3,372 |
| Average earning assets | $150,575,670 | 3,476 |
| Average equity | $18,964,000 | 3,294 |
| Average total loans | $125,332,670 | 2,964 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2749% | 2,613 |
| Cost of funding earning assets | 0.5460% | 2,455 |
| Net interest margin | 3.7290% | 2,749 |
| Noninterest income to average assets | 0.4388% | 3,877 |
| Noninterest expense to average assets | 3.1553% | 2,361 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.5274% | 4,565 |
| Return on assets (ROA) | 0.5274% | 4,632 |
| Pretax return on assets | 0.5671% | 4,945 |
| Return on Equity (ROE) | 4.7917% | 4,644 |
| Retained earnings to average equity (ytd only) | 3.0743% | 4,274 |
| Net charge-offs to loans | 0.1467% | 1,840 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 5.2826% | 2,393 |
| Efficiency ratio | 84.7649% | 1,581 |
| Assets per employee ($millions) | 2.9499% | 5,912 |
| Cash dividends to net income (ytd only)* | 35.8407% | 2,130 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6188% | 2,618 |
| Loan loss allowance to noncurrent loans | 118.8457% | 3,196 |
| Noncurrent assets plus other real estate owned to assets | 1.0094% | 3,239 |
| Noncurrent loans to loans | 1.3621% | 2,757 |
| Net loans and leases to total assets | 71.6801% | 1,620 |
| Net loans and leases to deposits | 81.8278% | 2,061 |
| Net loans and leases to core deposits | 85.7449% | 2,352 |
| Total domestic deposits to total assets | 87.5987% | 2,461 |
| Equity capital to assets | 11.0523% | 2,678 |
| Core capital (leverage) ratio | 10.3359% | 3,133 |
| Tier 1 risk-based capital ratio | 15.1449% | 3,632 |
| Total risk-based capital ratio | 16.4014% | 3,587 |
| Memoranda: | ||
| Average total assets | $171,394,000 | 3,386 |
| Average earning assets | $150,926,500 | 3,490 |
| Average equity | $18,866,000 | 3,298 |
| Average total loans | $125,460,500 | 2,964 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5103% | 2,171 |
| Cost of funding earning assets | 0.6661% | 2,062 |
| Net interest margin | 3.8442% | 2,486 |
| Noninterest income to average assets | 0.6112% | 3,019 |
| Noninterest expense to average assets | 3.4470% | 1,772 |
| Loan and lease loss provision to assets | -0.1360% | 6,529 |
| Net operating income to assets | 0.6114% | 4,213 |
| Return on assets (ROA) | 0.6651% | 4,057 |
| Pretax return on assets | 0.7299% | 4,417 |
| Return on Equity (ROE) | 6.2843% | 3,924 |
| Retained earnings to average equity (ytd only) | 4.9552% | 2,622 |
| Net charge-offs to loans | 0.1016% | 3,816 |
| Credit loss provision to net charge-offs | -182.1705% | 5,978 |
| Earnings coverage of net charge-offs (x) | 7.1628% | 2,902 |
| Efficiency ratio | 86.5678% | 1,356 |
| Assets per employee ($millions) | 3.0659% | 5,734 |
| Cash dividends to net income (ytd only)* | 21.1488% | 3,670 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6347% | 2,630 |
| Loan loss allowance to noncurrent loans | 95.9108% | 3,719 |
| Noncurrent assets plus other real estate owned to assets | 1.2703% | 2,874 |
| Noncurrent loans to loans | 1.7044% | 2,356 |
| Net loans and leases to total assets | 72.3373% | 1,632 |
| Net loans and leases to deposits | 82.4513% | 2,141 |
| Net loans and leases to core deposits | 86.5304% | 2,388 |
| Total domestic deposits to total assets | 87.7333% | 2,347 |
| Equity capital to assets | 10.9626% | 2,647 |
| Core capital (leverage) ratio | 10.2831% | 3,174 |
| Tier 1 risk-based capital ratio | 15.0955% | 3,612 |
| Total risk-based capital ratio | 16.3521% | 3,552 |
| Memoranda: | ||
| Average total assets | $172,761,200 | 3,371 |
| Average earning assets | $151,476,000 | 3,478 |
| Average equity | $18,283,800 | 3,373 |
| Average total loans | $126,990,200 | 2,904 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5229% | 2,148 |
| Cost of funding earning assets | 0.6943% | 1,990 |
| Net interest margin | 3.8286% | 2,544 |
| Noninterest income to average assets | 0.5748% | 3,301 |
| Noninterest expense to average assets | 3.3142% | 2,042 |
| Loan and lease loss provision to assets | 0.0116% | 4,768 |
| Net operating income to assets | 0.5718% | 4,464 |
| Return on assets (ROA) | 0.5718% | 4,612 |
| Pretax return on assets | 0.6018% | 5,003 |
| Return on Equity (ROE) | 5.4510% | 4,496 |
| Retained earnings to average equity (ytd only) | 4.2608% | 3,647 |
| Net charge-offs to loans | 0.0482% | 4,216 |
| Credit loss provision to net charge-offs | 32.6087% | 3,843 |
| Earnings coverage of net charge-offs (x) | 17.3049% | 1,739 |
| Efficiency ratio | 84.3830% | 1,554 |
| Assets per employee ($millions) | 3.0532% | 5,761 |
| Cash dividends to net income (ytd only)* | 21.8324% | 3,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8715% | 2,082 |
| Loan loss allowance to noncurrent loans | 101.6539% | 3,445 |
| Noncurrent assets plus other real estate owned to assets | 1.4612% | 2,752 |
| Noncurrent loans to loans | 1.8410% | 2,446 |
| Net loans and leases to total assets | 72.2179% | 1,567 |
| Net loans and leases to deposits | 82.1050% | 2,124 |
| Net loans and leases to core deposits | 86.0842% | 2,397 |
| Total domestic deposits to total assets | 87.9580% | 2,156 |
| Equity capital to assets | 10.4911% | 3,288 |
| Core capital (leverage) ratio | 9.7843% | 3,983 |
| Tier 1 risk-based capital ratio | 14.1286% | 4,337 |
| Total risk-based capital ratio | 15.3887% | 4,274 |
| Memoranda: | ||
| Average total assets | $173,028,250 | 3,390 |
| Average earning assets | $151,522,500 | 3,505 |
| Average equity | $18,149,250 | 3,431 |
| Average total loans | $127,172,250 | 2,925 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5618% | 1,985 |
| Cost of funding earning assets | 0.7215% | 1,914 |
| Net interest margin | 3.8402% | 2,409 |
| Noninterest income to average assets | 0.5721% | 3,370 |
| Noninterest expense to average assets | 3.3180% | 2,025 |
| Loan and lease loss provision to assets | 0.0174% | 4,553 |
| Net operating income to assets | 0.5802% | 4,403 |
| Return on assets (ROA) | 0.5802% | 4,578 |
| Pretax return on assets | 0.6022% | 5,004 |
| Return on Equity (ROE) | 5.5319% | 4,439 |
| Retained earnings to average equity (ytd only) | 4.6376% | 3,307 |
| Net charge-offs to loans | 0.0804% | 3,569 |
| Credit loss provision to net charge-offs | 29.4118% | 3,599 |
| Earnings coverage of net charge-offs (x) | 10.4902% | 2,150 |
| Efficiency ratio | 84.2647% | 1,601 |
| Assets per employee ($millions) | 3.0961% | 5,688 |
| Cash dividends to net income (ytd only)* | 16.1677% | 3,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9144% | 2,076 |
| Loan loss allowance to noncurrent loans | 110.4340% | 3,210 |
| Noncurrent assets plus other real estate owned to assets | 1.4430% | 2,937 |
| Noncurrent loans to loans | 1.7336% | 2,721 |
| Net loans and leases to total assets | 70.6834% | 1,767 |
| Net loans and leases to deposits | 80.3068% | 2,281 |
| Net loans and leases to core deposits | 84.7889% | 2,453 |
| Total domestic deposits to total assets | 88.0167% | 2,233 |
| Equity capital to assets | 10.3949% | 3,433 |
| Core capital (leverage) ratio | 9.5960% | 4,088 |
| Tier 1 risk-based capital ratio | 14.2749% | 4,244 |
| Total risk-based capital ratio | 15.5350% | 4,189 |
| Memoranda: | ||
| Average total assets | $172,693,330 | 3,416 |
| Average earning assets | $151,344,330 | 3,530 |
| Average equity | $18,113,000 | 3,463 |
| Average total loans | $126,869,670 | 2,940 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6615% | 1,646 |
| Cost of funding earning assets | 0.7402% | 1,924 |
| Net interest margin | 3.9213% | 2,048 |
| Noninterest income to average assets | 0.6127% | 3,066 |
| Noninterest expense to average assets | 3.3954% | 1,843 |
| Loan and lease loss provision to assets | 0.0348% | 4,010 |
| Net operating income to assets | 0.5709% | 4,357 |
| Return on assets (ROA) | 0.5709% | 4,506 |
| Pretax return on assets | 0.6127% | 4,900 |
| Return on Equity (ROE) | 5.4191% | 4,345 |
| Retained earnings to average equity (ytd only) | 3.6348% | 4,063 |
| Net charge-offs to loans | 0.1408% | 2,559 |
| Credit loss provision to net charge-offs | 33.3333% | 2,834 |
| Earnings coverage of net charge-offs (x) | 6.2000% | 2,255 |
| Efficiency ratio | 83.9839% | 1,769 |
| Assets per employee ($millions) | 3.0754% | 5,862 |
| Cash dividends to net income (ytd only)* | 32.9268% | 2,016 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8989% | 2,304 |
| Loan loss allowance to noncurrent loans | 90.3882% | 3,620 |
| Noncurrent assets plus other real estate owned to assets | 1.9225% | 2,444 |
| Noncurrent loans to loans | 2.1008% | 2,504 |
| Net loans and leases to total assets | 71.9351% | 1,362 |
| Net loans and leases to deposits | 81.8732% | 1,848 |
| Net loans and leases to core deposits | 86.9359% | 2,020 |
| Total domestic deposits to total assets | 87.8616% | 2,405 |
| Equity capital to assets | 10.5649% | 3,471 |
| Core capital (leverage) ratio | 9.6070% | 3,911 |
| Tier 1 risk-based capital ratio | 13.5646% | 4,822 |
| Total risk-based capital ratio | 14.8238% | 4,775 |
| Memoranda: | ||
| Average total assets | $172,348,500 | 3,465 |
| Average earning assets | $150,767,500 | 3,578 |
| Average equity | $18,158,000 | 3,504 |
| Average total loans | $127,832,000 | 2,935 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9005% | 1,839 |
| Cost of funding earning assets | 0.9377% | 1,719 |
| Net interest margin | 3.9629% | 2,558 |
| Noninterest income to average assets | 0.4678% | 4,116 |
| Noninterest expense to average assets | 3.3414% | 2,217 |
| Loan and lease loss provision to assets | 0.0909% | 4,551 |
| Net operating income to assets | 0.4929% | 4,715 |
| Return on assets (ROA) | 0.6221% | 4,395 |
| Pretax return on assets | 0.6355% | 4,865 |
| Return on Equity (ROE) | 6.3411% | 3,993 |
| Retained earnings to average equity (ytd only) | 6.3411% | 1,903 |
| Net charge-offs to loans | 0.2885% | 3,218 |
| Credit loss provision to net charge-offs | 42.8571% | 4,866 |
| Earnings coverage of net charge-offs (x) | 2.8042% | 4,028 |
| Efficiency ratio | 84.8938% | 1,526 |
| Assets per employee ($millions) | 3.0259% | 5,976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8767% | 2,363 |
| Loan loss allowance to noncurrent loans | 91.4846% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.9980% | 2,454 |
| Noncurrent loans to loans | 2.0514% | 2,639 |
| Net loans and leases to total assets | 73.6049% | 1,248 |
| Net loans and leases to deposits | 83.6827% | 1,792 |
| Net loans and leases to core deposits | 88.8377% | 1,988 |
| Total domestic deposits to total assets | 87.9571% | 2,266 |
| Equity capital to assets | 10.5065% | 3,524 |
| Core capital (leverage) ratio | 9.4491% | 4,183 |
| Tier 1 risk-based capital ratio | 13.3029% | 4,892 |
| Total risk-based capital ratio | 14.5622% | 4,834 |
| Memoranda: | ||
| Average total assets | $178,277,800 | 3,334 |
| Average earning assets | $156,023,600 | 3,447 |
| Average equity | $17,489,000 | 3,539 |
| Average total loans | $131,008,400 | 2,868 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9228% | 1,930 |
| Cost of funding earning assets | 0.9805% | 1,676 |
| Net interest margin | 3.9423% | 2,741 |
| Noninterest income to average assets | 0.4866% | 4,012 |
| Noninterest expense to average assets | 3.3539% | 2,118 |
| Loan and lease loss provision to assets | 0.0979% | 4,347 |
| Net operating income to assets | 0.4033% | 5,236 |
| Return on assets (ROA) | 0.5037% | 5,094 |
| Pretax return on assets | 0.6098% | 5,135 |
| Return on Equity (ROE) | 5.2236% | 4,717 |
| Retained earnings to average equity (ytd only) | 5.2236% | 3,208 |
| Net charge-offs to loans | 0.3764% | 2,592 |
| Credit loss provision to net charge-offs | 35.5795% | 4,709 |
| Earnings coverage of net charge-offs (x) | 2.1321% | 4,200 |
| Efficiency ratio | 85.1092% | 1,466 |
| Assets per employee ($millions) | 3.1172% | 5,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8701% | 2,582 |
| Loan loss allowance to noncurrent loans | 59.6182% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 2.8810% | 1,819 |
| Noncurrent loans to loans | 3.1367% | 1,770 |
| Net loans and leases to total assets | 71.0267% | 1,718 |
| Net loans and leases to deposits | 80.2366% | 2,355 |
| Net loans and leases to core deposits | 85.2744% | 2,554 |
| Total domestic deposits to total assets | 88.5216% | 1,712 |
| Equity capital to assets | 9.9853% | 4,515 |
| Core capital (leverage) ratio | 9.6627% | 4,030 |
| Tier 1 risk-based capital ratio | 13.6782% | 4,767 |
| Total risk-based capital ratio | 14.9343% | 4,715 |
| Memoranda: | ||
| Average total assets | $179,728,500 | 3,356 |
| Average earning assets | $157,468,250 | 3,456 |
| Average equity | $17,331,000 | 3,595 |
| Average total loans | $131,416,000 | 2,890 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0187% | 1,736 |
| Cost of funding earning assets | 1.0296% | 1,586 |
| Net interest margin | 3.9891% | 2,551 |
| Noninterest income to average assets | 0.4102% | 4,579 |
| Noninterest expense to average assets | 3.3956% | 2,039 |
| Loan and lease loss provision to assets | 0.1131% | 4,115 |
| Net operating income to assets | 0.3252% | 5,519 |
| Return on assets (ROA) | 0.4734% | 5,189 |
| Pretax return on assets | 0.5742% | 5,232 |
| Return on Equity (ROE) | 4.9668% | 4,818 |
| Retained earnings to average equity (ytd only) | 4.9668% | 3,295 |
| Net charge-offs to loans | 0.4397% | 2,283 |
| Credit loss provision to net charge-offs | 35.0515% | 4,355 |
| Earnings coverage of net charge-offs (x) | 1.5704% | 4,210 |
| Efficiency ratio | 87.0170% | 1,334 |
| Assets per employee ($millions) | 3.2400% | 5,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8760% | 2,625 |
| Loan loss allowance to noncurrent loans | 60.3194% | 4,626 |
| Noncurrent assets plus other real estate owned to assets | 3.0365% | 1,813 |
| Noncurrent loans to loans | 3.1101% | 1,887 |
| Net loans and leases to total assets | 72.0588% | 1,543 |
| Net loans and leases to deposits | 81.2508% | 2,200 |
| Net loans and leases to core deposits | 86.3177% | 2,387 |
| Total domestic deposits to total assets | 88.6868% | 1,718 |
| Equity capital to assets | 9.7644% | 4,678 |
| Core capital (leverage) ratio | 9.2843% | 4,475 |
| Tier 1 risk-based capital ratio | 13.2330% | 5,014 |
| Total risk-based capital ratio | 14.4896% | 4,983 |
| Memoranda: | ||
| Average total assets | $180,411,000 | 3,348 |
| Average earning assets | $157,929,670 | 3,467 |
| Average equity | $17,194,000 | 3,615 |
| Average total loans | $132,352,670 | 2,883 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8932% | 2,268 |
| Cost of funding earning assets | 1.0795% | 1,503 |
| Net interest margin | 3.8136% | 3,327 |
| Noninterest income to average assets | 0.5685% | 3,439 |
| Noninterest expense to average assets | 3.2768% | 2,366 |
| Loan and lease loss provision to assets | 0.0727% | 4,488 |
| Net operating income to assets | 0.4407% | 5,075 |
| Return on assets (ROA) | 0.4407% | 5,267 |
| Pretax return on assets | 0.5509% | 5,278 |
| Return on Equity (ROE) | 4.6808% | 4,942 |
| Retained earnings to average equity (ytd only) | 4.6808% | 3,757 |
| Net charge-offs to loans | 0.6221% | 1,547 |
| Credit loss provision to net charge-offs | 15.9420% | 3,834 |
| Earnings coverage of net charge-offs (x) | 1.3671% | 3,645 |
| Efficiency ratio | 84.0113% | 1,682 |
| Assets per employee ($millions) | 3.2236% | 5,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8781% | 2,745 |
| Loan loss allowance to noncurrent loans | 67.3575% | 4,152 |
| Noncurrent assets plus other real estate owned to assets | 2.9008% | 1,998 |
| Noncurrent loans to loans | 2.7883% | 2,326 |
| Net loans and leases to total assets | 70.2307% | 1,717 |
| Net loans and leases to deposits | 78.7223% | 2,381 |
| Net loans and leases to core deposits | 85.5639% | 2,338 |
| Total domestic deposits to total assets | 89.2132% | 1,546 |
| Equity capital to assets | 9.3674% | 5,006 |
| Core capital (leverage) ratio | 9.1635% | 4,582 |
| Tier 1 risk-based capital ratio | 12.8522% | 5,321 |
| Total risk-based capital ratio | 14.1082% | 5,299 |
| Memoranda: | ||
| Average total assets | $181,517,000 | 3,353 |
| Average earning assets | $158,589,000 | 3,459 |
| Average equity | $17,091,000 | 3,635 |
| Average total loans | $133,097,500 | 2,886 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0808% | 2,525 |
| Cost of funding earning assets | 1.2822% | 1,570 |
| Net interest margin | 3.7985% | 3,822 |
| Noninterest income to average assets | 0.5085% | 3,787 |
| Noninterest expense to average assets | 3.1497% | 3,031 |
| Loan and lease loss provision to assets | 0.2788% | 3,432 |
| Net operating income to assets | 0.4543% | 4,618 |
| Return on assets (ROA) | 0.4888% | 4,676 |
| Pretax return on assets | 0.4784% | 5,051 |
| Return on Equity (ROE) | 5.5372% | 4,114 |
| Retained earnings to average equity (ytd only) | 5.5372% | 2,279 |
| Net charge-offs to loans | 0.3909% | 3,462 |
| Credit loss provision to net charge-offs | 94.2699% | 3,825 |
| Earnings coverage of net charge-offs (x) | 2.4436% | 3,993 |
| Efficiency ratio | 81.3356% | 2,113 |
| Assets per employee ($millions) | 2.9392% | 6,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9632% | 2,390 |
| Loan loss allowance to noncurrent loans | 54.2137% | 4,800 |
| Noncurrent assets plus other real estate owned to assets | 3.2963% | 1,809 |
| Noncurrent loans to loans | 3.6211% | 1,758 |
| Net loans and leases to total assets | 73.6440% | 1,335 |
| Net loans and leases to deposits | 82.8057% | 2,092 |
| Net loans and leases to core deposits | 88.4842% | 2,325 |
| Total domestic deposits to total assets | 88.9359% | 1,585 |
| Equity capital to assets | 9.4651% | 4,936 |
| Core capital (leverage) ratio | 9.0991% | 4,619 |
| Tier 1 risk-based capital ratio | 12.6283% | 5,347 |
| Total risk-based capital ratio | 13.8861% | 5,333 |
| Memoranda: | ||
| Average total assets | $182,905,400 | 3,288 |
| Average earning assets | $161,983,000 | 3,368 |
| Average equity | $16,145,200 | 3,701 |
| Average total loans | $138,389,400 | 2,824 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1122% | 2,547 |
| Cost of funding earning assets | 1.3221% | 1,584 |
| Net interest margin | 3.7900% | 3,924 |
| Noninterest income to average assets | 0.4976% | 3,887 |
| Noninterest expense to average assets | 3.1322% | 3,050 |
| Loan and lease loss provision to assets | 0.3409% | 2,840 |
| Net operating income to assets | 0.3615% | 5,154 |
| Return on assets (ROA) | 0.4040% | 5,166 |
| Pretax return on assets | 0.4367% | 5,352 |
| Return on Equity (ROE) | 4.6593% | 4,690 |
| Retained earnings to average equity (ytd only) | 4.6593% | 3,409 |
| Net charge-offs to loans | 0.4661% | 2,874 |
| Credit loss provision to net charge-offs | 96.5092% | 3,556 |
| Earnings coverage of net charge-offs (x) | 2.0719% | 4,107 |
| Efficiency ratio | 81.0588% | 2,103 |
| Assets per employee ($millions) | 3.2074% | 5,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9453% | 2,488 |
| Loan loss allowance to noncurrent loans | 48.9503% | 5,082 |
| Noncurrent assets plus other real estate owned to assets | 3.5313% | 1,782 |
| Noncurrent loans to loans | 3.9741% | 1,667 |
| Net loans and leases to total assets | 73.2820% | 1,458 |
| Net loans and leases to deposits | 81.8400% | 2,389 |
| Net loans and leases to core deposits | 87.2684% | 2,590 |
| Total domestic deposits to total assets | 89.5429% | 1,119 |
| Equity capital to assets | 9.1383% | 5,598 |
| Core capital (leverage) ratio | 8.9524% | 5,010 |
| Tier 1 risk-based capital ratio | 12.3118% | 5,657 |
| Total risk-based capital ratio | 13.5710% | 5,633 |
| Memoranda: | ||
| Average total assets | $183,809,000 | 3,295 |
| Average earning assets | $163,266,500 | 3,364 |
| Average equity | $15,939,000 | 3,750 |
| Average total loans | $139,316,500 | 2,823 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1626% | 2,407 |
| Cost of funding earning assets | 1.3671% | 1,565 |
| Net interest margin | 3.7955% | 3,802 |
| Noninterest income to average assets | 0.4725% | 4,090 |
| Noninterest expense to average assets | 3.0966% | 3,267 |
| Loan and lease loss provision to assets | 0.3041% | 2,977 |
| Net operating income to assets | 0.4040% | 4,925 |
| Return on assets (ROA) | 0.4040% | 5,084 |
| Pretax return on assets | 0.4551% | 5,207 |
| Return on Equity (ROE) | 4.7440% | 4,570 |
| Retained earnings to average equity (ytd only) | 4.7440% | 3,163 |
| Net charge-offs to loans | 0.3937% | 2,982 |
| Credit loss provision to net charge-offs | 101.4493% | 3,061 |
| Earnings coverage of net charge-offs (x) | 2.5326% | 3,563 |
| Efficiency ratio | 80.3099% | 2,338 |
| Assets per employee ($millions) | 3.1340% | 5,795 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9498% | 2,514 |
| Loan loss allowance to noncurrent loans | 46.3896% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 3.6442% | 1,800 |
| Noncurrent loans to loans | 4.2031% | 1,619 |
| Net loans and leases to total assets | 74.1162% | 1,395 |
| Net loans and leases to deposits | 82.5967% | 2,358 |
| Net loans and leases to core deposits | 88.7402% | 2,532 |
| Total domestic deposits to total assets | 89.7326% | 1,106 |
| Equity capital to assets | 8.9239% | 5,685 |
| Core capital (leverage) ratio | 8.6731% | 5,268 |
| Tier 1 risk-based capital ratio | 12.1502% | 5,668 |
| Total risk-based capital ratio | 13.4104% | 5,632 |
| Memoranda: | ||
| Average total assets | $184,137,330 | 3,314 |
| Average earning assets | $164,142,330 | 3,367 |
| Average equity | $15,683,000 | 3,787 |
| Average total loans | $140,210,330 | 2,842 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2619% | 2,003 |
| Cost of funding earning assets | 1.4075% | 1,569 |
| Net interest margin | 3.8544% | 3,359 |
| Noninterest income to average assets | 0.4360% | 4,404 |
| Noninterest expense to average assets | 3.0434% | 3,473 |
| Loan and lease loss provision to assets | 0.3022% | 2,745 |
| Net operating income to assets | 0.4468% | 4,738 |
| Return on assets (ROA) | 0.4468% | 4,819 |
| Pretax return on assets | 0.5245% | 4,944 |
| Return on Equity (ROE) | 5.3717% | 4,203 |
| Retained earnings to average equity (ytd only) | 5.3717% | 2,963 |
| Net charge-offs to loans | 0.4830% | 2,265 |
| Credit loss provision to net charge-offs | 81.8713% | 3,123 |
| Earnings coverage of net charge-offs (x) | 2.2398% | 3,199 |
| Efficiency ratio | 78.6392% | 2,742 |
| Assets per employee ($millions) | 3.1833% | 5,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9010% | 2,686 |
| Loan loss allowance to noncurrent loans | 51.4497% | 4,932 |
| Noncurrent assets plus other real estate owned to assets | 3.2275% | 2,133 |
| Noncurrent loans to loans | 3.6949% | 1,998 |
| Net loans and leases to total assets | 73.8985% | 1,365 |
| Net loans and leases to deposits | 81.8944% | 2,382 |
| Net loans and leases to core deposits | 87.9334% | 2,607 |
| Total domestic deposits to total assets | 90.2363% | 1,000 |
| Equity capital to assets | 8.5006% | 5,902 |
| Core capital (leverage) ratio | 8.4866% | 5,484 |
| Tier 1 risk-based capital ratio | 11.9267% | 5,755 |
| Total risk-based capital ratio | 13.1858% | 5,737 |
| Memoranda: | ||
| Average total assets | $185,321,000 | 3,314 |
| Average earning assets | $165,111,000 | 3,376 |
| Average equity | $15,414,000 | 3,826 |
| Average total loans | $141,615,500 | 2,853 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4304% | 2,545 |
| Cost of funding earning assets | 1.7857% | 1,223 |
| Net interest margin | 3.6447% | 4,598 |
| Noninterest income to average assets | 0.4532% | 4,492 |
| Noninterest expense to average assets | 2.8738% | 4,338 |
| Loan and lease loss provision to assets | 0.5830% | 2,805 |
| Net operating income to assets | 0.2602% | 5,076 |
| Return on assets (ROA) | 0.3864% | 4,750 |
| Pretax return on assets | 0.3906% | 4,977 |
| Return on Equity (ROE) | 5.2359% | 3,975 |
| Retained earnings to average equity (ytd only) | 5.2359% | 2,289 |
| Net charge-offs to loans | 0.6137% | 3,195 |
| Credit loss provision to net charge-offs | 123.0425% | 3,386 |
| Earnings coverage of net charge-offs (x) | 1.7864% | 4,378 |
| Efficiency ratio | 77.2475% | 2,834 |
| Assets per employee ($millions) | 3.2633% | 5,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8558% | 2,678 |
| Loan loss allowance to noncurrent loans | 65.8381% | 4,098 |
| Noncurrent assets plus other real estate owned to assets | 2.5515% | 2,719 |
| Noncurrent loans to loans | 2.8187% | 2,704 |
| Net loans and leases to total assets | 76.0560% | 1,258 |
| Net loans and leases to deposits | 84.0129% | 2,445 |
| Net loans and leases to core deposits | 90.7459% | 2,656 |
| Total domestic deposits to total assets | 90.5290% | 817 |
| Equity capital to assets | 8.1356% | 6,338 |
| Core capital (leverage) ratio | 8.3513% | 5,609 |
| Tier 1 risk-based capital ratio | 11.3388% | 6,048 |
| Total risk-based capital ratio | 12.5978% | 6,034 |
| Memoranda: | ||
| Average total assets | $188,670,400 | 3,246 |
| Average earning assets | $169,121,800 | 3,298 |
| Average equity | $13,923,000 | 4,160 |
| Average total loans | $145,685,000 | 2,846 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4648% | 2,584 |
| Cost of funding earning assets | 1.8602% | 1,163 |
| Net interest margin | 3.6046% | 4,847 |
| Noninterest income to average assets | 0.4169% | 4,818 |
| Noninterest expense to average assets | 2.8090% | 4,449 |
| Loan and lease loss provision to assets | 0.4683% | 3,130 |
| Net operating income to assets | 0.3451% | 4,992 |
| Return on assets (ROA) | 0.3782% | 5,036 |
| Pretax return on assets | 0.3986% | 5,221 |
| Return on Equity (ROE) | 5.2566% | 4,166 |
| Retained earnings to average equity (ytd only) | 5.2566% | 2,806 |
| Net charge-offs to loans | 0.5723% | 3,033 |
| Credit loss provision to net charge-offs | 106.0606% | 4,026 |
| Earnings coverage of net charge-offs (x) | 1.8884% | 4,292 |
| Efficiency ratio | 77.1119% | 2,751 |
| Assets per employee ($millions) | 3.2983% | 5,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7304% | 3,063 |
| Loan loss allowance to noncurrent loans | 65.1338% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 2.4106% | 2,966 |
| Noncurrent loans to loans | 2.6567% | 2,975 |
| Net loans and leases to total assets | 75.7287% | 1,457 |
| Net loans and leases to deposits | 83.0745% | 2,894 |
| Net loans and leases to core deposits | 90.0189% | 3,088 |
| Total domestic deposits to total assets | 91.1576% | 394 |
| Equity capital to assets | 7.5727% | 7,079 |
| Core capital (leverage) ratio | 7.3181% | 6,993 |
| Tier 1 risk-based capital ratio | 10.0460% | 7,042 |
| Total risk-based capital ratio | 11.2915% | 7,033 |
| Memoranda: | ||
| Average total assets | $189,335,750 | 3,284 |
| Average earning assets | $169,443,750 | 3,333 |
| Average equity | $13,620,500 | 4,300 |
| Average total loans | $146,069,750 | 2,872 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4311% | 2,832 |
| Cost of funding earning assets | 1.9207% | 1,157 |
| Net interest margin | 3.5104% | 5,208 |
| Noninterest income to average assets | 0.3741% | 5,135 |
| Noninterest expense to average assets | 2.8148% | 4,424 |
| Loan and lease loss provision to assets | 0.4479% | 3,081 |
| Net operating income to assets | 0.3025% | 5,176 |
| Return on assets (ROA) | 0.3025% | 5,332 |
| Pretax return on assets | 0.2529% | 5,649 |
| Return on Equity (ROE) | 4.2788% | 4,652 |
| Retained earnings to average equity (ytd only) | 4.2788% | 3,356 |
| Net charge-offs to loans | 0.6213% | 2,671 |
| Credit loss provision to net charge-offs | 93.4066% | 4,318 |
| Earnings coverage of net charge-offs (x) | 1.4615% | 4,391 |
| Efficiency ratio | 80.0659% | 2,438 |
| Assets per employee ($millions) | 3.3235% | 5,376 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6761% | 3,164 |
| Loan loss allowance to noncurrent loans | 72.9148% | 3,703 |
| Noncurrent assets plus other real estate owned to assets | 1.8095% | 3,745 |
| Noncurrent loans to loans | 2.2987% | 3,374 |
| Net loans and leases to total assets | 75.5248% | 1,586 |
| Net loans and leases to deposits | 84.0283% | 2,866 |
| Net loans and leases to core deposits | 92.2511% | 2,949 |
| Total domestic deposits to total assets | 89.8802% | 981 |
| Equity capital to assets | 7.2001% | 7,273 |
| Core capital (leverage) ratio | 7.0870% | 7,141 |
| Tier 1 risk-based capital ratio | 9.8440% | 7,104 |
| Total risk-based capital ratio | 11.1022% | 7,083 |
| Memoranda: | ||
| Average total assets | $189,779,670 | 3,308 |
| Average earning assets | $169,836,670 | 3,347 |
| Average equity | $13,415,000 | 4,349 |
| Average total loans | $146,466,330 | 2,893 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3881% | 3,095 |
| Cost of funding earning assets | 1.9716% | 1,183 |
| Net interest margin | 3.4166% | 5,516 |
| Noninterest income to average assets | 0.3664% | 5,214 |
| Noninterest expense to average assets | 2.8197% | 4,406 |
| Loan and lease loss provision to assets | 0.5159% | 2,435 |
| Net operating income to assets | 0.2190% | 5,621 |
| Return on assets (ROA) | 0.2190% | 5,735 |
| Pretax return on assets | 0.0779% | 6,196 |
| Return on Equity (ROE) | 3.1272% | 5,281 |
| Retained earnings to average equity (ytd only) | 3.1272% | 4,268 |
| Net charge-offs to loans | 0.9146% | 1,754 |
| Credit loss provision to net charge-offs | 72.9167% | 4,037 |
| Earnings coverage of net charge-offs (x) | 0.8393% | 4,297 |
| Efficiency ratio | 82.6033% | 2,193 |
| Assets per employee ($millions) | 3.3496% | 5,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6291% | 3,330 |
| Loan loss allowance to noncurrent loans | 69.1078% | 3,904 |
| Noncurrent assets plus other real estate owned to assets | 1.8022% | 3,783 |
| Noncurrent loans to loans | 2.3574% | 3,318 |
| Net loans and leases to total assets | 75.2049% | 1,697 |
| Net loans and leases to deposits | 83.4537% | 3,031 |
| Net loans and leases to core deposits | 91.0473% | 3,221 |
| Total domestic deposits to total assets | 90.1157% | 930 |
| Equity capital to assets | 6.9890% | 7,375 |
| Core capital (leverage) ratio | 7.0232% | 7,237 |
| Tier 1 risk-based capital ratio | 9.7093% | 7,206 |
| Total risk-based capital ratio | 10.9652% | 7,195 |
| Memoranda: | ||
| Average total assets | $189,949,000 | 3,365 |
| Average earning assets | $169,409,500 | 3,410 |
| Average equity | $13,302,500 | 4,406 |
| Average total loans | $146,942,500 | 2,945 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9339% | 2,111 |
| Cost of funding earning assets | 2.3281% | 1,543 |
| Net interest margin | 3.6058% | 4,530 |
| Noninterest income to average assets | 0.3934% | 5,260 |
| Noninterest expense to average assets | 2.8395% | 4,792 |
| Loan and lease loss provision to assets | 0.7642% | 2,821 |
| Net operating income to assets | 0.2044% | 4,890 |
| Return on assets (ROA) | 0.2083% | 4,937 |
| Pretax return on assets | 0.0928% | 5,237 |
| Return on Equity (ROE) | 2.7711% | 4,601 |
| Retained earnings to average equity (ytd only) | -0.0452% | 4,944 |
| Net charge-offs to loans | 0.2985% | 4,766 |
| Credit loss provision to net charge-offs | 310.3448% | 1,061 |
| Earnings coverage of net charge-offs (x) | 3.4644% | 3,333 |
| Efficiency ratio | 76.8971% | 3,374 |
| Assets per employee ($millions) | 3.4358% | 5,166 |
| Cash dividends to net income (ytd only)* | 101.6304% | 602 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6692% | 3,007 |
| Loan loss allowance to noncurrent loans | 91.9553% | 3,042 |
| Noncurrent assets plus other real estate owned to assets | 1.4209% | 4,285 |
| Noncurrent loans to loans | 1.8152% | 3,906 |
| Net loans and leases to total assets | 76.9703% | 1,591 |
| Net loans and leases to deposits | 85.4829% | 3,000 |
| Net loans and leases to core deposits | 112.8263% | 2,614 |
| Total domestic deposits to total assets | 90.0418% | 940 |
| Equity capital to assets | 7.0176% | 7,359 |
| Core capital (leverage) ratio | 7.1616% | 7,101 |
| Tier 1 risk-based capital ratio | 9.5473% | 7,199 |
| Total risk-based capital ratio | 10.8036% | 7,174 |
| Memoranda: | ||
| Average total assets | $176,648,000 | 3,493 |
| Average earning assets | $161,630,600 | 3,487 |
| Average equity | $13,280,000 | 4,436 |
| Average total loans | $145,752,000 | 2,984 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9856% | 2,098 |
| Cost of funding earning assets | 2.3907% | 1,664 |
| Net interest margin | 3.5949% | 4,496 |
| Noninterest income to average assets | 0.3948% | 5,337 |
| Noninterest expense to average assets | 2.8407% | 4,719 |
| Loan and lease loss provision to assets | 0.6683% | 2,735 |
| Net operating income to assets | 0.2643% | 4,935 |
| Return on assets (ROA) | 0.2696% | 5,005 |
| Pretax return on assets | 0.2005% | 5,305 |
| Return on Equity (ROE) | 3.5228% | 4,566 |
| Retained earnings to average equity (ytd only) | -0.2309% | 5,271 |
| Net charge-offs to loans | 0.2865% | 4,239 |
| Credit loss provision to net charge-offs | 278.8462% | 1,508 |
| Earnings coverage of net charge-offs (x) | 3.6026% | 3,462 |
| Efficiency ratio | 76.6902% | 3,381 |
| Assets per employee ($millions) | 3.2467% | 5,530 |
| Cash dividends to net income (ytd only)* | 106.5514% | 494 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4145% | 3,869 |
| Loan loss allowance to noncurrent loans | 98.6916% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 1.1770% | 4,719 |
| Noncurrent loans to loans | 1.4333% | 4,522 |
| Net loans and leases to total assets | 80.9598% | 987 |
| Net loans and leases to deposits | 90.5009% | 2,480 |
| Net loans and leases to core deposits | 120.7414% | 2,179 |
| Total domestic deposits to total assets | 89.4574% | 988 |
| Equity capital to assets | 7.3580% | 7,393 |
| Core capital (leverage) ratio | 7.2453% | 7,229 |
| Tier 1 risk-based capital ratio | 9.4765% | 7,393 |
| Total risk-based capital ratio | 10.7306% | 7,346 |
| Memoranda: | ||
| Average total assets | $173,567,750 | 3,562 |
| Average earning assets | $159,778,750 | 3,556 |
| Average equity | $13,284,750 | 4,469 |
| Average total loans | $145,210,250 | 3,033 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0613% | 1,942 |
| Cost of funding earning assets | 2.4439% | 1,804 |
| Net interest margin | 3.6174% | 4,290 |
| Noninterest income to average assets | 0.3911% | 5,370 |
| Noninterest expense to average assets | 2.8358% | 4,800 |
| Loan and lease loss provision to assets | 0.1616% | 5,449 |
| Net operating income to assets | 0.6123% | 3,627 |
| Return on assets (ROA) | 0.6123% | 3,733 |
| Pretax return on assets | 0.7177% | 3,944 |
| Return on Equity (ROE) | 7.8922% | 2,819 |
| Retained earnings to average equity (ytd only) | 4.4063% | 2,846 |
| Net charge-offs to loans | 0.0264% | 6,106 |
| Credit loss provision to net charge-offs | 726.3158% | 653 |
| Earnings coverage of net charge-offs (x) | 39.5263% | 821 |
| Efficiency ratio | 76.3315% | 3,633 |
| Assets per employee ($millions) | 3.5081% | 4,801 |
| Cash dividends to net income (ytd only)* | 44.1683% | 2,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1461% | 5,292 |
| Loan loss allowance to noncurrent loans | 101.1487% | 2,864 |
| Noncurrent assets plus other real estate owned to assets | 0.9430% | 5,095 |
| Noncurrent loans to loans | 1.1331% | 4,952 |
| Net loans and leases to total assets | 82.2651% | 907 |
| Net loans and leases to deposits | 92.4596% | 2,384 |
| Net loans and leases to core deposits | 124.4860% | 1,980 |
| Total domestic deposits to total assets | 88.9742% | 1,281 |
| Equity capital to assets | 7.6434% | 7,136 |
| Core capital (leverage) ratio | 7.6247% | 6,868 |
| Tier 1 risk-based capital ratio | 10.2155% | 6,693 |
| Total risk-based capital ratio | 11.4656% | 6,623 |
| Memoranda: | ||
| Average total assets | $170,818,670 | 3,622 |
| Average earning assets | $156,962,670 | 3,614 |
| Average equity | $13,253,670 | 4,476 |
| Average total loans | $143,844,000 | 3,082 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1002% | 1,941 |
| Cost of funding earning assets | 2.4727% | 2,016 |
| Net interest margin | 3.6275% | 4,200 |
| Noninterest income to average assets | 0.3798% | 5,384 |
| Noninterest expense to average assets | 2.6892% | 5,057 |
| Loan and lease loss provision to assets | 0.1638% | 4,837 |
| Net operating income to assets | 0.7073% | 3,518 |
| Return on assets (ROA) | 0.7073% | 3,715 |
| Pretax return on assets | 0.8521% | 3,882 |
| Return on Equity (ROE) | 9.0461% | 2,696 |
| Retained earnings to average equity (ytd only) | 6.4355% | 2,446 |
| Net charge-offs to loans | 0.0448% | 4,849 |
| Credit loss provision to net charge-offs | 431.2500% | 1,222 |
| Earnings coverage of net charge-offs (x) | 26.7500% | 1,166 |
| Efficiency ratio | 72.5817% | 4,090 |
| Assets per employee ($millions) | 3.3624% | 5,171 |
| Cash dividends to net income (ytd only)* | 28.8591% | 2,354 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 5,378 |
| Loan loss allowance to noncurrent loans | 412.5641% | 850 |
| Noncurrent assets plus other real estate owned to assets | 0.2274% | 6,848 |
| Noncurrent loans to loans | 0.2697% | 6,763 |
| Net loans and leases to total assets | 83.3936% | 787 |
| Net loans and leases to deposits | 93.9278% | 2,276 |
| Net loans and leases to core deposits | 127.4804% | 1,826 |
| Total domestic deposits to total assets | 88.7848% | 1,344 |
| Equity capital to assets | 7.7367% | 7,141 |
| Core capital (leverage) ratio | 7.9427% | 6,554 |
| Tier 1 risk-based capital ratio | 10.0821% | 6,825 |
| Total risk-based capital ratio | 11.3037% | 6,767 |
| Memoranda: | ||
| Average total assets | $168,525,000 | 3,676 |
| Average earning assets | $154,485,500 | 3,673 |
| Average equity | $13,177,000 | 4,542 |
| Average total loans | $142,780,500 | 3,123 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6104% | 2,434 |
| Cost of funding earning assets | 2.6326% | 3,520 |
| Net interest margin | 3.9779% | 3,225 |
| Noninterest income to average assets | 0.5498% | 4,229 |
| Noninterest expense to average assets | 3.0243% | 3,990 |
| Loan and lease loss provision to assets | 0.3324% | 3,734 |
| Net operating income to assets | 0.6475% | 4,118 |
| Return on assets (ROA) | 0.6888% | 3,779 |
| Pretax return on assets | 0.8317% | 3,955 |
| Return on Equity (ROE) | 7.6822% | 3,203 |
| Retained earnings to average equity (ytd only) | -0.1186% | 5,310 |
| Net charge-offs to loans | -0.0128% | 7,878 |
| Credit loss provision to net charge-offs | -3,125.0000% | 7,507 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9240% | 3,765 |
| Assets per employee ($millions) | 3.2464% | 5,345 |
| Cash dividends to net income (ytd only)* | 101.5444% | 946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1040% | 5,247 |
| Loan loss allowance to noncurrent loans | 245.8136% | 1,607 |
| Noncurrent assets plus other real estate owned to assets | 0.3823% | 6,094 |
| Noncurrent loans to loans | 0.4491% | 6,006 |
| Net loans and leases to total assets | 84.1896% | 857 |
| Net loans and leases to deposits | 98.2367% | 2,088 |
| Net loans and leases to core deposits | 131.4575% | 1,760 |
| Total domestic deposits to total assets | 85.7007% | 2,533 |
| Equity capital to assets | 7.9043% | 6,963 |
| Core capital (leverage) ratio | 8.1421% | 6,263 |
| Tier 1 risk-based capital ratio | 10.1412% | 6,584 |
| Total risk-based capital ratio | 11.3489% | 6,496 |
| Memoranda: | ||
| Average total assets | $150,414,400 | 3,891 |
| Average earning assets | $136,027,200 | 3,931 |
| Average equity | $13,485,800 | 4,457 |
| Average total loans | $125,349,800 | 3,339 |