Home > First State Bank Central Texas > Performance and Condition Ratios
First State Bank Central Texas, Performance and Condition Ratios
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0168% | 3,346 |
| Cost of funding earning assets | 0.3157% | 3,995 |
| Net interest margin | 3.7010% | 2,793 |
| Noninterest income to average assets | 0.5773% | 2,571 |
| Noninterest expense to average assets | 2.1646% | 4,612 |
| Loan and lease loss provision to assets | -0.0156% | 5,321 |
| Net operating income to assets | 1.2885% | 1,253 |
| Return on assets (ROA) | 1.3356% | 1,172 |
| Pretax return on assets | 2.0273% | 460 |
| Return on Equity (ROE) | 12.0557% | 1,199 |
| Retained earnings to average equity (ytd only) | -14.3170% | 5,589 |
| Net charge-offs to loans | -0.0566% | 5,223 |
| Credit loss provision to net charge-offs | 55.3299% | 3,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7328% | 5,059 |
| Assets per employee ($millions) | 6.8584% | 1,036 |
| Cash dividends to net income (ytd only)* | 218.7567% | 87 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9085% | 4,433 |
| Loan loss allowance to noncurrent loans | 353.8378% | 1,464 |
| Noncurrent assets plus other real estate owned to assets | 0.4025% | 3,250 |
| Noncurrent loans to loans | 0.2567% | 3,866 |
| Net loans and leases to total assets | 50.1828% | 4,633 |
| Net loans and leases to deposits | 58.9254% | 4,646 |
| Net loans and leases to core deposits | 63.3964% | 4,572 |
| Total domestic deposits to total assets | 85.1632% | 2,771 |
| Equity capital to assets | 9.1502% | 4,578 |
| Core capital (leverage) ratio | 8.9461% | 4,706 |
| Tier 1 risk-based capital ratio | 13.1259% | 3,832 |
| Total risk-based capital ratio | 13.8108% | 4,067 |
| Memoranda: | ||
| Average total assets | $1,394,694,600 | 553 |
| Average earning assets | $1,329,298,800 | 533 |
| Average equity | $154,515,600 | 534 |
| Average total loans | $695,933,600 | 752 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9785% | 3,425 |
| Cost of funding earning assets | 0.3091% | 4,038 |
| Net interest margin | 3.6694% | 2,867 |
| Noninterest income to average assets | 0.5147% | 2,940 |
| Noninterest expense to average assets | 2.1244% | 4,680 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.2758% | 1,415 |
| Return on assets (ROA) | 1.3145% | 1,321 |
| Pretax return on assets | 1.9495% | 607 |
| Return on Equity (ROE) | 11.3628% | 1,543 |
| Retained earnings to average equity (ytd only) | 11.3628% | 360 |
| Net charge-offs to loans | -0.0695% | 5,275 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8980% | 5,028 |
| Assets per employee ($millions) | 6.9223% | 980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9369% | 4,394 |
| Loan loss allowance to noncurrent loans | 351.2349% | 1,403 |
| Noncurrent assets plus other real estate owned to assets | 0.4602% | 3,191 |
| Noncurrent loans to loans | 0.2667% | 4,005 |
| Net loans and leases to total assets | 49.5629% | 4,729 |
| Net loans and leases to deposits | 59.9638% | 4,641 |
| Net loans and leases to core deposits | 64.5629% | 4,582 |
| Total domestic deposits to total assets | 82.6547% | 3,569 |
| Equity capital to assets | 11.8926% | 2,040 |
| Core capital (leverage) ratio | 11.6840% | 1,897 |
| Tier 1 risk-based capital ratio | 16.8436% | 2,205 |
| Total risk-based capital ratio | 17.5439% | 2,335 |
| Memoranda: | ||
| Average total assets | $1,390,161,750 | 552 |
| Average earning assets | $1,326,500,500 | 533 |
| Average equity | $160,825,500 | 520 |
| Average total loans | $691,043,250 | 758 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9160% | 3,501 |
| Cost of funding earning assets | 0.3026% | 4,057 |
| Net interest margin | 3.6135% | 2,982 |
| Noninterest income to average assets | 0.5182% | 2,908 |
| Noninterest expense to average assets | 2.2010% | 4,561 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1961% | 1,609 |
| Return on assets (ROA) | 1.2417% | 1,498 |
| Pretax return on assets | 1.8299% | 781 |
| Return on Equity (ROE) | 10.8382% | 1,702 |
| Retained earnings to average equity (ytd only) | 10.8382% | 464 |
| Net charge-offs to loans | -0.0863% | 5,371 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5283% | 4,873 |
| Assets per employee ($millions) | 6.8028% | 1,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9290% | 4,515 |
| Loan loss allowance to noncurrent loans | 217.9453% | 2,079 |
| Noncurrent assets plus other real estate owned to assets | 0.5620% | 2,892 |
| Noncurrent loans to loans | 0.4263% | 3,488 |
| Net loans and leases to total assets | 50.8613% | 4,653 |
| Net loans and leases to deposits | 62.1786% | 4,494 |
| Net loans and leases to core deposits | 67.1175% | 4,410 |
| Total domestic deposits to total assets | 81.7987% | 3,944 |
| Equity capital to assets | 11.9034% | 1,998 |
| Core capital (leverage) ratio | 11.3278% | 2,102 |
| Tier 1 risk-based capital ratio | 16.4280% | 2,351 |
| Total risk-based capital ratio | 17.1267% | 2,495 |
| Memoranda: | ||
| Average total assets | $1,378,220,330 | 555 |
| Average earning assets | $1,314,145,670 | 544 |
| Average equity | $157,905,000 | 527 |
| Average total loans | $683,576,330 | 768 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7941% | 3,783 |
| Cost of funding earning assets | 0.2837% | 4,214 |
| Net interest margin | 3.5104% | 3,235 |
| Noninterest income to average assets | 0.5312% | 2,760 |
| Noninterest expense to average assets | 2.2323% | 4,571 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1294% | 1,751 |
| Return on assets (ROA) | 1.1294% | 1,789 |
| Pretax return on assets | 1.6426% | 1,143 |
| Return on Equity (ROE) | 10.0557% | 1,943 |
| Retained earnings to average equity (ytd only) | 10.0557% | 796 |
| Net charge-offs to loans | -0.1154% | 5,488 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6099% | 4,763 |
| Assets per employee ($millions) | 6.7388% | 1,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9523% | 4,538 |
| Loan loss allowance to noncurrent loans | 242.3578% | 1,930 |
| Noncurrent assets plus other real estate owned to assets | 0.5569% | 3,006 |
| Noncurrent loans to loans | 0.3929% | 3,694 |
| Net loans and leases to total assets | 48.8284% | 4,763 |
| Net loans and leases to deposits | 58.8329% | 4,643 |
| Net loans and leases to core deposits | 62.7671% | 4,603 |
| Total domestic deposits to total assets | 82.9951% | 3,842 |
| Equity capital to assets | 11.3196% | 2,331 |
| Core capital (leverage) ratio | 11.0536% | 2,307 |
| Tier 1 risk-based capital ratio | 16.5366% | 2,344 |
| Total risk-based capital ratio | 17.2506% | 2,503 |
| Memoranda: | ||
| Average total assets | $1,373,442,000 | 564 |
| Average earning assets | $1,308,227,500 | 548 |
| Average equity | $154,261,500 | 533 |
| Average total loans | $669,134,500 | 787 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6636% | 4,329 |
| Cost of funding earning assets | 0.2813% | 4,244 |
| Net interest margin | 3.3824% | 3,882 |
| Noninterest income to average assets | 0.5635% | 2,847 |
| Noninterest expense to average assets | 2.1680% | 4,845 |
| Loan and lease loss provision to assets | -0.2175% | 5,793 |
| Net operating income to assets | 1.2367% | 1,389 |
| Return on assets (ROA) | 1.3606% | 1,126 |
| Pretax return on assets | 2.0116% | 489 |
| Return on Equity (ROE) | 12.2119% | 1,187 |
| Retained earnings to average equity (ytd only) | 8.0803% | 833 |
| Net charge-offs to loans | -0.0237% | 5,172 |
| Credit loss provision to net charge-offs | 2,013.4228% | 213 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8579% | 4,970 |
| Assets per employee ($millions) | 6.6277% | 1,087 |
| Cash dividends to net income (ytd only)* | 33.8324% | 3,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9671% | 4,491 |
| Loan loss allowance to noncurrent loans | 248.9764% | 1,902 |
| Noncurrent assets plus other real estate owned to assets | 0.5408% | 3,115 |
| Noncurrent loans to loans | 0.3884% | 3,752 |
| Net loans and leases to total assets | 47.6632% | 4,918 |
| Net loans and leases to deposits | 56.5222% | 4,884 |
| Net loans and leases to core deposits | 60.9086% | 4,813 |
| Total domestic deposits to total assets | 84.3265% | 3,302 |
| Equity capital to assets | 11.1420% | 2,486 |
| Core capital (leverage) ratio | 10.9863% | 2,355 |
| Tier 1 risk-based capital ratio | 16.3696% | 2,397 |
| Total risk-based capital ratio | 17.0748% | 2,543 |
| Memoranda: | ||
| Average total assets | $1,379,501,400 | 538 |
| Average earning assets | $1,311,835,000 | 520 |
| Average equity | $153,694,200 | 517 |
| Average total loans | $628,669,200 | 794 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6786% | 4,323 |
| Cost of funding earning assets | 0.2828% | 4,275 |
| Net interest margin | 3.3958% | 3,855 |
| Noninterest income to average assets | 0.5452% | 2,941 |
| Noninterest expense to average assets | 2.1587% | 4,871 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0991% | 1,999 |
| Return on assets (ROA) | 1.2612% | 1,516 |
| Pretax return on assets | 1.8549% | 791 |
| Return on Equity (ROE) | 11.3200% | 1,547 |
| Retained earnings to average equity (ytd only) | 9.5915% | 662 |
| Net charge-offs to loans | -0.0739% | 5,485 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5191% | 5,005 |
| Assets per employee ($millions) | 6.6700% | 1,016 |
| Cash dividends to net income (ytd only)* | 15.2695% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5138% | 1,719 |
| Loan loss allowance to noncurrent loans | 312.9520% | 1,560 |
| Noncurrent assets plus other real estate owned to assets | 0.7490% | 2,684 |
| Noncurrent loans to loans | 0.4837% | 3,555 |
| Net loans and leases to total assets | 45.7413% | 5,108 |
| Net loans and leases to deposits | 55.1137% | 5,049 |
| Net loans and leases to core deposits | 59.4456% | 4,966 |
| Total domestic deposits to total assets | 82.9945% | 3,599 |
| Equity capital to assets | 11.9119% | 2,176 |
| Core capital (leverage) ratio | 11.0269% | 2,425 |
| Tier 1 risk-based capital ratio | 16.8370% | 2,283 |
| Total risk-based capital ratio | 17.9388% | 2,289 |
| Memoranda: | ||
| Average total assets | $1,384,705,750 | 540 |
| Average earning assets | $1,317,127,000 | 525 |
| Average equity | $154,271,500 | 515 |
| Average total loans | $622,357,500 | 798 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7070% | 4,281 |
| Cost of funding earning assets | 0.2830% | 4,315 |
| Net interest margin | 3.4240% | 3,782 |
| Noninterest income to average assets | 0.4873% | 3,278 |
| Noninterest expense to average assets | 2.1714% | 4,910 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.0771% | 2,054 |
| Return on assets (ROA) | 1.1871% | 1,749 |
| Pretax return on assets | 1.7340% | 1,014 |
| Return on Equity (ROE) | 10.8996% | 1,684 |
| Retained earnings to average equity (ytd only) | 10.8996% | 448 |
| Net charge-offs to loans | -0.2873% | 5,879 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0126% | 5,025 |
| Assets per employee ($millions) | 6.6980% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6449% | 1,416 |
| Loan loss allowance to noncurrent loans | 305.4005% | 1,609 |
| Noncurrent assets plus other real estate owned to assets | 0.7369% | 2,770 |
| Noncurrent loans to loans | 0.5386% | 3,462 |
| Net loans and leases to total assets | 44.2666% | 5,214 |
| Net loans and leases to deposits | 53.3676% | 5,169 |
| Net loans and leases to core deposits | 58.2833% | 5,058 |
| Total domestic deposits to total assets | 82.9466% | 3,676 |
| Equity capital to assets | 11.8189% | 2,255 |
| Core capital (leverage) ratio | 10.5541% | 2,910 |
| Tier 1 risk-based capital ratio | 16.7866% | 2,316 |
| Total risk-based capital ratio | 17.9710% | 2,295 |
| Memoranda: | ||
| Average total assets | $1,394,938,670 | 537 |
| Average earning assets | $1,326,558,000 | 521 |
| Average equity | $151,932,670 | 520 |
| Average total loans | $620,189,670 | 801 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8088% | 3,914 |
| Cost of funding earning assets | 0.2866% | 4,314 |
| Net interest margin | 3.5222% | 3,381 |
| Noninterest income to average assets | 0.4420% | 3,538 |
| Noninterest expense to average assets | 2.1566% | 5,008 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1056% | 1,877 |
| Return on assets (ROA) | 1.1653% | 1,767 |
| Pretax return on assets | 1.7214% | 1,017 |
| Return on Equity (ROE) | 11.1556% | 1,547 |
| Retained earnings to average equity (ytd only) | 11.1556% | 625 |
| Net charge-offs to loans | -0.5286% | 6,000 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7789% | 5,212 |
| Assets per employee ($millions) | 7.0943% | 859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6012% | 1,606 |
| Loan loss allowance to noncurrent loans | 241.6626% | 1,919 |
| Noncurrent assets plus other real estate owned to assets | 0.7283% | 2,892 |
| Noncurrent loans to loans | 0.6626% | 3,188 |
| Net loans and leases to total assets | 42.8836% | 5,304 |
| Net loans and leases to deposits | 50.8586% | 5,294 |
| Net loans and leases to core deposits | 54.6004% | 5,207 |
| Total domestic deposits to total assets | 84.3193% | 3,386 |
| Equity capital to assets | 10.6319% | 3,331 |
| Core capital (leverage) ratio | 9.9769% | 3,558 |
| Tier 1 risk-based capital ratio | 15.6828% | 2,830 |
| Total risk-based capital ratio | 16.8168% | 2,812 |
| Memoranda: | ||
| Average total assets | $1,412,562,500 | 533 |
| Average earning assets | $1,342,802,000 | 515 |
| Average equity | $147,549,000 | 536 |
| Average total loans | $624,307,000 | 791 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6095% | 4,646 |
| Cost of funding earning assets | 0.3178% | 4,063 |
| Net interest margin | 3.2916% | 4,322 |
| Noninterest income to average assets | 0.4847% | 3,435 |
| Noninterest expense to average assets | 2.0546% | 5,340 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0653% | 2,068 |
| Return on assets (ROA) | 1.1160% | 1,916 |
| Pretax return on assets | 1.6289% | 1,172 |
| Return on Equity (ROE) | 10.9487% | 1,634 |
| Retained earnings to average equity (ytd only) | 6.7530% | 1,403 |
| Net charge-offs to loans | -0.0518% | 5,561 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7317% | 5,370 |
| Assets per employee ($millions) | 6.8915% | 924 |
| Cash dividends to net income (ytd only)* | 38.3215% | 2,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4702% | 2,132 |
| Loan loss allowance to noncurrent loans | 190.1160% | 2,344 |
| Noncurrent assets plus other real estate owned to assets | 0.8267% | 2,603 |
| Noncurrent loans to loans | 0.7733% | 2,857 |
| Net loans and leases to total assets | 44.1711% | 5,274 |
| Net loans and leases to deposits | 51.5454% | 5,307 |
| Net loans and leases to core deposits | 57.0764% | 5,153 |
| Total domestic deposits to total assets | 85.6936% | 2,775 |
| Equity capital to assets | 10.2536% | 3,674 |
| Core capital (leverage) ratio | 9.7443% | 3,840 |
| Tier 1 risk-based capital ratio | 15.6093% | 2,877 |
| Total risk-based capital ratio | 16.6769% | 2,909 |
| Memoranda: | ||
| Average total assets | $1,402,972,800 | 511 |
| Average earning assets | $1,332,103,200 | 490 |
| Average equity | $143,003,200 | 529 |
| Average total loans | $608,089,800 | 763 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5766% | 4,805 |
| Cost of funding earning assets | 0.3234% | 4,069 |
| Net interest margin | 3.2533% | 4,514 |
| Noninterest income to average assets | 0.4797% | 3,504 |
| Noninterest expense to average assets | 2.0572% | 5,371 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0429% | 2,258 |
| Return on assets (ROA) | 1.0866% | 2,153 |
| Pretax return on assets | 1.5788% | 1,445 |
| Return on Equity (ROE) | 10.6761% | 1,834 |
| Retained earnings to average equity (ytd only) | 9.2782% | 800 |
| Net charge-offs to loans | -0.0973% | 5,773 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3904% | 5,298 |
| Assets per employee ($millions) | 7.2187% | 790 |
| Cash dividends to net income (ytd only)* | 13.0936% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5181% | 2,077 |
| Loan loss allowance to noncurrent loans | 121.7568% | 3,231 |
| Noncurrent assets plus other real estate owned to assets | 0.9913% | 2,377 |
| Noncurrent loans to loans | 1.2468% | 2,042 |
| Net loans and leases to total assets | 41.5845% | 5,510 |
| Net loans and leases to deposits | 48.8336% | 5,521 |
| Net loans and leases to core deposits | 53.7468% | 5,418 |
| Total domestic deposits to total assets | 85.1555% | 2,950 |
| Equity capital to assets | 10.1191% | 4,030 |
| Core capital (leverage) ratio | 9.7412% | 3,979 |
| Tier 1 risk-based capital ratio | 15.7433% | 2,926 |
| Total risk-based capital ratio | 16.8329% | 2,937 |
| Memoranda: | ||
| Average total assets | $1,405,697,500 | 506 |
| Average earning assets | $1,336,386,500 | 485 |
| Average equity | $143,069,500 | 532 |
| Average total loans | $604,094,750 | 778 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6180% | 4,671 |
| Cost of funding earning assets | 0.3345% | 3,991 |
| Net interest margin | 3.2835% | 4,362 |
| Noninterest income to average assets | 0.4878% | 3,456 |
| Noninterest expense to average assets | 2.0515% | 5,438 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0773% | 2,022 |
| Return on assets (ROA) | 1.1080% | 2,008 |
| Pretax return on assets | 1.5976% | 1,334 |
| Return on Equity (ROE) | 10.8646% | 1,725 |
| Retained earnings to average equity (ytd only) | 8.7492% | 1,008 |
| Net charge-offs to loans | -0.0502% | 5,548 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7196% | 5,453 |
| Assets per employee ($millions) | 7.0761% | 811 |
| Cash dividends to net income (ytd only)* | 19.4704% | 3,205 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4885% | 2,344 |
| Loan loss allowance to noncurrent loans | 108.6710% | 3,514 |
| Noncurrent assets plus other real estate owned to assets | 1.2201% | 2,074 |
| Noncurrent loans to loans | 1.3698% | 1,974 |
| Net loans and leases to total assets | 42.7804% | 5,451 |
| Net loans and leases to deposits | 50.6948% | 5,468 |
| Net loans and leases to core deposits | 56.1915% | 5,298 |
| Total domestic deposits to total assets | 84.3882% | 3,405 |
| Equity capital to assets | 10.3125% | 3,673 |
| Core capital (leverage) ratio | 9.3978% | 4,422 |
| Tier 1 risk-based capital ratio | 15.6616% | 3,011 |
| Total risk-based capital ratio | 16.7424% | 3,057 |
| Memoranda: | ||
| Average total assets | $1,390,611,670 | 511 |
| Average earning assets | $1,319,994,000 | 493 |
| Average equity | $141,818,330 | 535 |
| Average total loans | $601,235,330 | 781 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6338% | 4,580 |
| Cost of funding earning assets | 0.3405% | 3,978 |
| Net interest margin | 3.2933% | 4,253 |
| Noninterest income to average assets | 0.4720% | 3,491 |
| Noninterest expense to average assets | 2.1090% | 5,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0165% | 2,187 |
| Return on assets (ROA) | 1.0258% | 2,289 |
| Pretax return on assets | 1.4964% | 1,578 |
| Return on Equity (ROE) | 10.1157% | 1,950 |
| Retained earnings to average equity (ytd only) | 10.1157% | 896 |
| Net charge-offs to loans | -0.0541% | 5,554 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5208% | 5,392 |
| Assets per employee ($millions) | 7.0271% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 2,500 |
| Loan loss allowance to noncurrent loans | 104.4753% | 3,586 |
| Noncurrent assets plus other real estate owned to assets | 1.2769% | 2,086 |
| Noncurrent loans to loans | 1.4231% | 2,016 |
| Net loans and leases to total assets | 41.7363% | 5,505 |
| Net loans and leases to deposits | 49.5742% | 5,486 |
| Net loans and leases to core deposits | 54.9412% | 5,320 |
| Total domestic deposits to total assets | 84.1895% | 3,745 |
| Equity capital to assets | 10.1586% | 3,934 |
| Core capital (leverage) ratio | 9.5016% | 4,272 |
| Tier 1 risk-based capital ratio | 15.7399% | 3,040 |
| Total risk-based capital ratio | 16.8297% | 3,048 |
| Memoranda: | ||
| Average total assets | $1,388,923,000 | 514 |
| Average earning assets | $1,315,755,500 | 496 |
| Average equity | $140,850,000 | 537 |
| Average total loans | $599,170,500 | 782 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8729% | 4,234 |
| Cost of funding earning assets | 0.3903% | 3,789 |
| Net interest margin | 3.4826% | 3,858 |
| Noninterest income to average assets | 0.5174% | 3,377 |
| Noninterest expense to average assets | 2.4069% | 4,827 |
| Loan and lease loss provision to assets | -0.4463% | 6,435 |
| Net operating income to assets | 1.2490% | 1,435 |
| Return on assets (ROA) | 1.5168% | 880 |
| Pretax return on assets | 2.2152% | 305 |
| Return on Equity (ROE) | 15.0989% | 764 |
| Retained earnings to average equity (ytd only) | 6.2146% | 1,802 |
| Net charge-offs to loans | -0.0600% | 5,986 |
| Credit loss provision to net charge-offs | 1,759.5308% | 172 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4646% | 4,833 |
| Assets per employee ($millions) | 6.7246% | 944 |
| Cash dividends to net income (ytd only)* | 58.8408% | 1,803 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4842% | 2,550 |
| Loan loss allowance to noncurrent loans | 88.2646% | 4,009 |
| Noncurrent assets plus other real estate owned to assets | 1.4517% | 1,893 |
| Noncurrent loans to loans | 1.6815% | 1,739 |
| Net loans and leases to total assets | 43.2948% | 5,511 |
| Net loans and leases to deposits | 52.1819% | 5,468 |
| Net loans and leases to core deposits | 56.6185% | 5,343 |
| Total domestic deposits to total assets | 82.9690% | 4,088 |
| Equity capital to assets | 10.1225% | 3,957 |
| Core capital (leverage) ratio | 9.3732% | 4,435 |
| Tier 1 risk-based capital ratio | 16.4120% | 2,754 |
| Total risk-based capital ratio | 17.5758% | 2,744 |
| Memoranda: | ||
| Average total assets | $1,344,510,800 | 508 |
| Average earning assets | $1,260,332,600 | 496 |
| Average equity | $135,069,600 | 535 |
| Average total loans | $568,662,400 | 780 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9273% | 4,065 |
| Cost of funding earning assets | 0.3995% | 3,786 |
| Net interest margin | 3.5278% | 3,726 |
| Noninterest income to average assets | 0.5280% | 3,335 |
| Noninterest expense to average assets | 2.1169% | 5,531 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.1783% | 1,755 |
| Return on assets (ROA) | 1.5007% | 974 |
| Pretax return on assets | 2.1797% | 381 |
| Return on Equity (ROE) | 14.9670% | 834 |
| Retained earnings to average equity (ytd only) | 9.0175% | 994 |
| Net charge-offs to loans | -0.0734% | 6,046 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1138% | 5,812 |
| Assets per employee ($millions) | 6.7738% | 882 |
| Cash dividends to net income (ytd only)* | 39.7509% | 2,362 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5967% | 577 |
| Loan loss allowance to noncurrent loans | 133.6458% | 2,992 |
| Noncurrent assets plus other real estate owned to assets | 1.5444% | 1,991 |
| Noncurrent loans to loans | 1.9429% | 1,643 |
| Net loans and leases to total assets | 41.0561% | 5,748 |
| Net loans and leases to deposits | 48.6859% | 5,725 |
| Net loans and leases to core deposits | 53.3089% | 5,606 |
| Total domestic deposits to total assets | 84.3285% | 3,632 |
| Equity capital to assets | 9.9845% | 4,180 |
| Core capital (leverage) ratio | 9.4958% | 4,380 |
| Tier 1 risk-based capital ratio | 16.8412% | 2,669 |
| Total risk-based capital ratio | 18.0966% | 2,617 |
| Memoranda: | ||
| Average total assets | $1,341,047,250 | 512 |
| Average earning assets | $1,254,974,500 | 498 |
| Average equity | $134,461,750 | 541 |
| Average total loans | $561,587,750 | 789 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0371% | 3,596 |
| Cost of funding earning assets | 0.4101% | 3,774 |
| Net interest margin | 3.6270% | 3,249 |
| Noninterest income to average assets | 0.5260% | 3,300 |
| Noninterest expense to average assets | 2.1313% | 5,558 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.2232% | 1,518 |
| Return on assets (ROA) | 1.7075% | 590 |
| Pretax return on assets | 2.4798% | 213 |
| Return on Equity (ROE) | 17.0053% | 551 |
| Retained earnings to average equity (ytd only) | 17.0053% | 143 |
| Net charge-offs to loans | -0.0706% | 6,021 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3744% | 5,963 |
| Assets per employee ($millions) | 6.7894% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6190% | 592 |
| Loan loss allowance to noncurrent loans | 163.6566% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 1.4041% | 2,333 |
| Noncurrent loans to loans | 1.6003% | 2,169 |
| Net loans and leases to total assets | 40.7041% | 5,766 |
| Net loans and leases to deposits | 48.9074% | 5,712 |
| Net loans and leases to core deposits | 55.0825% | 5,477 |
| Total domestic deposits to total assets | 83.2269% | 4,218 |
| Equity capital to assets | 10.2997% | 3,696 |
| Core capital (leverage) ratio | 9.5586% | 4,242 |
| Tier 1 risk-based capital ratio | 17.5595% | 2,396 |
| Total risk-based capital ratio | 18.8191% | 2,368 |
| Memoranda: | ||
| Average total assets | $1,336,473,330 | 516 |
| Average earning assets | $1,246,650,000 | 503 |
| Average equity | $134,193,330 | 539 |
| Average total loans | $558,436,000 | 784 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9701% | 3,811 |
| Cost of funding earning assets | 0.4176% | 3,790 |
| Net interest margin | 3.5525% | 3,472 |
| Noninterest income to average assets | 0.5577% | 2,998 |
| Noninterest expense to average assets | 2.1979% | 5,470 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.1522% | 1,621 |
| Return on assets (ROA) | 1.8662% | 450 |
| Pretax return on assets | 2.6790% | 183 |
| Return on Equity (ROE) | 18.8308% | 377 |
| Retained earnings to average equity (ytd only) | 18.8308% | 150 |
| Net charge-offs to loans | -0.1344% | 6,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8176% | 5,856 |
| Assets per employee ($millions) | 6.5630% | 986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6299% | 690 |
| Loan loss allowance to noncurrent loans | 89.3819% | 3,907 |
| Noncurrent assets plus other real estate owned to assets | 1.9472% | 1,763 |
| Noncurrent loans to loans | 2.9423% | 1,095 |
| Net loans and leases to total assets | 40.2726% | 5,790 |
| Net loans and leases to deposits | 48.4284% | 5,707 |
| Net loans and leases to core deposits | 54.6292% | 5,459 |
| Total domestic deposits to total assets | 83.1590% | 4,549 |
| Equity capital to assets | 9.5907% | 4,367 |
| Core capital (leverage) ratio | 9.2624% | 4,630 |
| Tier 1 risk-based capital ratio | 15.7873% | 3,277 |
| Total risk-based capital ratio | 17.0460% | 3,234 |
| Memoranda: | ||
| Average total assets | $1,332,562,500 | 522 |
| Average earning assets | $1,237,559,000 | 506 |
| Average equity | $132,060,500 | 551 |
| Average total loans | $556,704,500 | 786 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1369% | 3,589 |
| Cost of funding earning assets | 0.4520% | 4,090 |
| Net interest margin | 3.6848% | 3,115 |
| Noninterest income to average assets | 0.5991% | 3,103 |
| Noninterest expense to average assets | 2.4418% | 4,953 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.1027% | 1,925 |
| Return on assets (ROA) | 1.1900% | 1,681 |
| Pretax return on assets | 1.6731% | 1,009 |
| Return on Equity (ROE) | 10.5560% | 1,908 |
| Retained earnings to average equity (ytd only) | 6.9675% | 1,445 |
| Net charge-offs to loans | 0.0848% | 4,025 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 41.1094% | 924 |
| Efficiency ratio | 59.9562% | 5,477 |
| Assets per employee ($millions) | 6.2531% | 1,109 |
| Cash dividends to net income (ytd only)* | 33.9951% | 3,102 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6197% | 715 |
| Loan loss allowance to noncurrent loans | 86.0895% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 3.2629% | 929 |
| Noncurrent loans to loans | 3.0430% | 1,140 |
| Net loans and leases to total assets | 41.1003% | 5,886 |
| Net loans and leases to deposits | 50.6555% | 5,719 |
| Net loans and leases to core deposits | 57.6091% | 5,421 |
| Total domestic deposits to total assets | 81.1369% | 5,127 |
| Equity capital to assets | 10.2392% | 3,454 |
| Core capital (leverage) ratio | 10.2349% | 3,243 |
| Tier 1 risk-based capital ratio | 16.9074% | 2,653 |
| Total risk-based capital ratio | 18.1658% | 2,610 |
| Memoranda: | ||
| Average total assets | $1,235,936,200 | 527 |
| Average earning assets | $1,137,957,600 | 523 |
| Average equity | $139,333,000 | 522 |
| Average total loans | $549,404,400 | 767 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1488% | 3,570 |
| Cost of funding earning assets | 0.4608% | 4,162 |
| Net interest margin | 3.6880% | 3,075 |
| Noninterest income to average assets | 0.5856% | 3,242 |
| Noninterest expense to average assets | 2.4714% | 4,805 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.0862% | 2,060 |
| Return on assets (ROA) | 1.0896% | 2,123 |
| Pretax return on assets | 1.5127% | 1,570 |
| Return on Equity (ROE) | 9.4321% | 2,431 |
| Retained earnings to average equity (ytd only) | 4.6890% | 3,322 |
| Net charge-offs to loans | 0.1204% | 3,344 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 27.7961% | 1,296 |
| Efficiency ratio | 60.8703% | 5,301 |
| Assets per employee ($millions) | 6.0555% | 1,201 |
| Cash dividends to net income (ytd only)* | 50.2866% | 1,845 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6576% | 783 |
| Loan loss allowance to noncurrent loans | 86.0298% | 3,872 |
| Noncurrent assets plus other real estate owned to assets | 3.3557% | 1,036 |
| Noncurrent loans to loans | 3.0892% | 1,290 |
| Net loans and leases to total assets | 41.3422% | 5,945 |
| Net loans and leases to deposits | 51.4209% | 5,753 |
| Net loans and leases to core deposits | 58.0747% | 5,445 |
| Total domestic deposits to total assets | 80.3996% | 5,389 |
| Equity capital to assets | 10.4629% | 3,321 |
| Core capital (leverage) ratio | 10.2178% | 3,375 |
| Tier 1 risk-based capital ratio | 16.4993% | 2,934 |
| Total risk-based capital ratio | 17.7580% | 2,896 |
| Memoranda: | ||
| Average total assets | $1,216,632,000 | 537 |
| Average earning assets | $1,119,483,750 | 529 |
| Average equity | $140,552,000 | 523 |
| Average total loans | $548,198,250 | 767 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1070% | 3,713 |
| Cost of funding earning assets | 0.4741% | 4,158 |
| Net interest margin | 3.6329% | 3,235 |
| Noninterest income to average assets | 0.5635% | 3,419 |
| Noninterest expense to average assets | 2.4921% | 4,764 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.0388% | 2,158 |
| Return on assets (ROA) | 1.0442% | 2,258 |
| Pretax return on assets | 1.4282% | 1,840 |
| Return on Equity (ROE) | 8.7429% | 2,738 |
| Retained earnings to average equity (ytd only) | 8.7429% | 1,207 |
| Net charge-offs to loans | 0.0393% | 4,126 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 78.5556% | 577 |
| Efficiency ratio | 62.4096% | 5,110 |
| Assets per employee ($millions) | 5.7125% | 1,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7162% | 780 |
| Loan loss allowance to noncurrent loans | 83.1164% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 3.6076% | 1,045 |
| Noncurrent loans to loans | 3.2680% | 1,343 |
| Net loans and leases to total assets | 43.5859% | 5,779 |
| Net loans and leases to deposits | 54.5022% | 5,473 |
| Net loans and leases to core deposits | 61.7917% | 5,116 |
| Total domestic deposits to total assets | 79.9709% | 5,608 |
| Equity capital to assets | 11.1905% | 2,559 |
| Core capital (leverage) ratio | 10.8219% | 2,533 |
| Tier 1 risk-based capital ratio | 16.9884% | 2,720 |
| Total risk-based capital ratio | 18.2481% | 2,686 |
| Memoranda: | ||
| Average total assets | $1,194,253,000 | 550 |
| Average earning assets | $1,101,056,000 | 539 |
| Average equity | $142,629,670 | 520 |
| Average total loans | $549,188,330 | 755 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0937% | 3,753 |
| Cost of funding earning assets | 0.4925% | 4,153 |
| Net interest margin | 3.6012% | 3,264 |
| Noninterest income to average assets | 0.5965% | 3,162 |
| Noninterest expense to average assets | 2.5017% | 4,741 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0257% | 2,120 |
| Return on assets (ROA) | 1.0260% | 2,234 |
| Pretax return on assets | 1.4188% | 1,802 |
| Return on Equity (ROE) | 8.3191% | 2,810 |
| Retained earnings to average equity (ytd only) | 8.3191% | 1,634 |
| Net charge-offs to loans | 0.0807% | 3,032 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 37.7027% | 830 |
| Efficiency ratio | 62.5195% | 5,235 |
| Assets per employee ($millions) | 5.6336% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7575% | 858 |
| Loan loss allowance to noncurrent loans | 87.8870% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 3.6905% | 1,127 |
| Noncurrent loans to loans | 3.1376% | 1,580 |
| Net loans and leases to total assets | 44.5484% | 5,605 |
| Net loans and leases to deposits | 55.3834% | 5,311 |
| Net loans and leases to core deposits | 61.9003% | 4,960 |
| Total domestic deposits to total assets | 80.4364% | 5,658 |
| Equity capital to assets | 12.4229% | 1,758 |
| Core capital (leverage) ratio | 10.8447% | 2,409 |
| Tier 1 risk-based capital ratio | 17.7686% | 2,459 |
| Total risk-based capital ratio | 19.0302% | 2,414 |
| Memoranda: | ||
| Average total assets | $1,180,141,500 | 560 |
| Average earning assets | $1,089,188,000 | 549 |
| Average equity | $145,544,000 | 516 |
| Average total loans | $549,930,500 | 759 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1429% | 4,791 |
| Cost of funding earning assets | 0.6023% | 4,330 |
| Net interest margin | 3.5406% | 4,342 |
| Noninterest income to average assets | 0.6486% | 2,998 |
| Noninterest expense to average assets | 2.6747% | 4,495 |
| Loan and lease loss provision to assets | 0.0197% | 5,657 |
| Net operating income to assets | 0.9171% | 2,734 |
| Return on assets (ROA) | 0.9051% | 3,031 |
| Pretax return on assets | 1.2242% | 2,708 |
| Return on Equity (ROE) | 7.2717% | 3,482 |
| Retained earnings to average equity (ytd only) | 3.7527% | 3,574 |
| Net charge-offs to loans | 0.3120% | 3,083 |
| Credit loss provision to net charge-offs | 12.6547% | 5,371 |
| Earnings coverage of net charge-offs (x) | 8.0906% | 2,475 |
| Efficiency ratio | 65.9847% | 4,510 |
| Assets per employee ($millions) | 5.6060% | 1,593 |
| Cash dividends to net income (ytd only)* | 48.3933% | 2,403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6737% | 954 |
| Loan loss allowance to noncurrent loans | 41.2333% | 5,563 |
| Noncurrent assets plus other real estate owned to assets | 3.9636% | 1,084 |
| Noncurrent loans to loans | 6.4842% | 520 |
| Net loans and leases to total assets | 46.1153% | 5,599 |
| Net loans and leases to deposits | 57.5267% | 5,292 |
| Net loans and leases to core deposits | 63.6933% | 4,993 |
| Total domestic deposits to total assets | 80.1632% | 5,615 |
| Equity capital to assets | 12.2430% | 1,894 |
| Core capital (leverage) ratio | 10.5908% | 2,667 |
| Tier 1 risk-based capital ratio | 17.0273% | 2,637 |
| Total risk-based capital ratio | 18.2887% | 2,599 |
| Memoranda: | ||
| Average total assets | $1,141,554,800 | 575 |
| Average earning assets | $1,059,535,800 | 552 |
| Average equity | $142,085,200 | 512 |
| Average total loans | $569,799,800 | 729 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 4,889 |
| Cost of funding earning assets | 0.6258% | 4,404 |
| Net interest margin | 3.5542% | 4,422 |
| Noninterest income to average assets | 0.6629% | 2,914 |
| Noninterest expense to average assets | 2.7391% | 4,216 |
| Loan and lease loss provision to assets | 0.0265% | 5,453 |
| Net operating income to assets | 0.8856% | 3,053 |
| Return on assets (ROA) | 0.9269% | 3,067 |
| Pretax return on assets | 1.2551% | 2,769 |
| Return on Equity (ROE) | 7.4151% | 3,572 |
| Retained earnings to average equity (ytd only) | 7.4151% | 1,888 |
| Net charge-offs to loans | 0.3579% | 2,671 |
| Credit loss provision to net charge-offs | 14.6484% | 5,023 |
| Earnings coverage of net charge-offs (x) | 6.7715% | 2,716 |
| Efficiency ratio | 67.0313% | 4,241 |
| Assets per employee ($millions) | 5.4596% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7096% | 971 |
| Loan loss allowance to noncurrent loans | 43.5331% | 5,478 |
| Noncurrent assets plus other real estate owned to assets | 3.9265% | 1,234 |
| Noncurrent loans to loans | 6.2243% | 634 |
| Net loans and leases to total assets | 47.2366% | 5,635 |
| Net loans and leases to deposits | 59.7312% | 5,240 |
| Net loans and leases to core deposits | 66.5744% | 4,893 |
| Total domestic deposits to total assets | 79.0821% | 5,850 |
| Equity capital to assets | 12.7257% | 1,752 |
| Core capital (leverage) ratio | 11.0686% | 2,324 |
| Tier 1 risk-based capital ratio | 17.7395% | 2,448 |
| Total risk-based capital ratio | 19.0020% | 2,415 |
| Memoranda: | ||
| Average total assets | $1,131,227,500 | 583 |
| Average earning assets | $1,051,023,000 | 564 |
| Average equity | $141,402,000 | 513 |
| Average total loans | $572,133,250 | 724 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2315% | 4,840 |
| Cost of funding earning assets | 0.6521% | 4,425 |
| Net interest margin | 3.5793% | 4,349 |
| Noninterest income to average assets | 0.5866% | 3,344 |
| Noninterest expense to average assets | 2.8194% | 3,940 |
| Loan and lease loss provision to assets | 0.0401% | 5,167 |
| Net operating income to assets | 0.7964% | 3,408 |
| Return on assets (ROA) | 0.7973% | 3,657 |
| Pretax return on assets | 1.0503% | 3,515 |
| Return on Equity (ROE) | 6.4186% | 4,084 |
| Retained earnings to average equity (ytd only) | 6.4186% | 2,430 |
| Net charge-offs to loans | 0.5011% | 2,080 |
| Credit loss provision to net charge-offs | 15.6033% | 4,672 |
| Earnings coverage of net charge-offs (x) | 4.2393% | 3,139 |
| Efficiency ratio | 70.0369% | 3,756 |
| Assets per employee ($millions) | 5.2918% | 1,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6659% | 1,078 |
| Loan loss allowance to noncurrent loans | 43.0631% | 5,498 |
| Noncurrent assets plus other real estate owned to assets | 4.1238% | 1,217 |
| Noncurrent loans to loans | 6.1907% | 698 |
| Net loans and leases to total assets | 48.9382% | 5,494 |
| Net loans and leases to deposits | 61.5651% | 5,062 |
| Net loans and leases to core deposits | 68.5555% | 4,721 |
| Total domestic deposits to total assets | 79.4902% | 5,862 |
| Equity capital to assets | 12.4946% | 1,821 |
| Core capital (leverage) ratio | 11.0093% | 2,284 |
| Tier 1 risk-based capital ratio | 17.2252% | 2,574 |
| Total risk-based capital ratio | 18.4878% | 2,531 |
| Memoranda: | ||
| Average total assets | $1,122,492,000 | 588 |
| Average earning assets | $1,041,815,670 | 567 |
| Average equity | $139,438,670 | 515 |
| Average total loans | $575,524,330 | 721 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2919% | 4,771 |
| Cost of funding earning assets | 0.6864% | 4,397 |
| Net interest margin | 3.6055% | 4,242 |
| Noninterest income to average assets | 0.6229% | 3,090 |
| Noninterest expense to average assets | 2.8519% | 3,819 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.8323% | 3,235 |
| Return on assets (ROA) | 0.8282% | 3,489 |
| Pretax return on assets | 1.1055% | 3,305 |
| Return on Equity (ROE) | 6.6875% | 3,951 |
| Retained earnings to average equity (ytd only) | 6.6875% | 2,589 |
| Net charge-offs to loans | 0.1139% | 3,431 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 18.8354% | 1,247 |
| Efficiency ratio | 69.8793% | 3,840 |
| Assets per employee ($millions) | 5.1444% | 2,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8236% | 985 |
| Loan loss allowance to noncurrent loans | 43.1588% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 4.3238% | 1,249 |
| Noncurrent loans to loans | 6.5424% | 727 |
| Net loans and leases to total assets | 50.7134% | 5,202 |
| Net loans and leases to deposits | 64.1998% | 4,606 |
| Net loans and leases to core deposits | 71.4949% | 4,225 |
| Total domestic deposits to total assets | 78.9930% | 6,075 |
| Equity capital to assets | 12.5472% | 1,695 |
| Core capital (leverage) ratio | 10.7638% | 2,477 |
| Tier 1 risk-based capital ratio | 16.8963% | 2,720 |
| Total risk-based capital ratio | 18.1608% | 2,670 |
| Memoranda: | ||
| Average total assets | $1,112,225,500 | 595 |
| Average earning assets | $1,030,315,500 | 577 |
| Average equity | $137,750,000 | 520 |
| Average total loans | $575,938,000 | 720 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6503% | 4,452 |
| Cost of funding earning assets | 0.8335% | 4,604 |
| Net interest margin | 3.8168% | 3,737 |
| Noninterest income to average assets | 0.7163% | 2,512 |
| Noninterest expense to average assets | 2.7686% | 4,478 |
| Loan and lease loss provision to assets | 0.3082% | 3,207 |
| Net operating income to assets | 0.9121% | 2,548 |
| Return on assets (ROA) | 0.6906% | 3,719 |
| Pretax return on assets | 0.8671% | 3,721 |
| Return on Equity (ROE) | 5.7563% | 3,999 |
| Retained earnings to average equity (ytd only) | 5.7563% | 2,148 |
| Net charge-offs to loans | 0.5495% | 2,816 |
| Credit loss provision to net charge-offs | 103.4913% | 3,340 |
| Earnings coverage of net charge-offs (x) | 4.8769% | 2,955 |
| Efficiency ratio | 63.5696% | 5,201 |
| Assets per employee ($millions) | 5.0603% | 2,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8914% | 899 |
| Loan loss allowance to noncurrent loans | 40.0950% | 5,600 |
| Noncurrent assets plus other real estate owned to assets | 4.5730% | 1,194 |
| Noncurrent loans to loans | 7.2113% | 608 |
| Net loans and leases to total assets | 49.8932% | 5,598 |
| Net loans and leases to deposits | 62.7758% | 5,145 |
| Net loans and leases to core deposits | 68.9236% | 4,913 |
| Total domestic deposits to total assets | 79.4785% | 5,876 |
| Equity capital to assets | 12.2233% | 1,956 |
| Core capital (leverage) ratio | 10.5180% | 2,705 |
| Tier 1 risk-based capital ratio | 16.4672% | 2,836 |
| Total risk-based capital ratio | 17.7319% | 2,794 |
| Memoranda: | ||
| Average total assets | $1,077,349,600 | 606 |
| Average earning assets | $989,195,400 | 596 |
| Average equity | $129,249,600 | 539 |
| Average total loans | $583,789,400 | 720 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7771% | 4,115 |
| Cost of funding earning assets | 0.8612% | 4,699 |
| Net interest margin | 3.9160% | 3,304 |
| Noninterest income to average assets | 0.7247% | 2,454 |
| Noninterest expense to average assets | 2.7515% | 4,530 |
| Loan and lease loss provision to assets | 0.3959% | 2,484 |
| Net operating income to assets | 0.8914% | 2,774 |
| Return on assets (ROA) | 0.8893% | 2,938 |
| Pretax return on assets | 1.1662% | 2,760 |
| Return on Equity (ROE) | 7.4493% | 3,299 |
| Retained earnings to average equity (ytd only) | 7.4493% | 1,737 |
| Net charge-offs to loans | 0.7001% | 2,158 |
| Credit loss provision to net charge-offs | 102.9536% | 3,235 |
| Earnings coverage of net charge-offs (x) | 4.0698% | 3,193 |
| Efficiency ratio | 61.7486% | 5,455 |
| Assets per employee ($millions) | 4.9563% | 2,251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8744% | 955 |
| Loan loss allowance to noncurrent loans | 59.3432% | 4,493 |
| Noncurrent assets plus other real estate owned to assets | 3.6118% | 1,742 |
| Noncurrent loans to loans | 4.8437% | 1,317 |
| Net loans and leases to total assets | 50.7226% | 5,612 |
| Net loans and leases to deposits | 63.9631% | 5,176 |
| Net loans and leases to core deposits | 71.3148% | 4,803 |
| Total domestic deposits to total assets | 79.2997% | 5,921 |
| Equity capital to assets | 12.1799% | 2,118 |
| Core capital (leverage) ratio | 10.7375% | 2,630 |
| Tier 1 risk-based capital ratio | 16.3044% | 2,967 |
| Total risk-based capital ratio | 17.5681% | 2,925 |
| Memoranda: | ||
| Average total assets | $1,068,371,250 | 621 |
| Average earning assets | $979,899,250 | 611 |
| Average equity | $127,542,750 | 552 |
| Average total loans | $586,741,500 | 719 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8437% | 3,893 |
| Cost of funding earning assets | 0.8863% | 4,785 |
| Net interest margin | 3.9574% | 3,054 |
| Noninterest income to average assets | 0.7739% | 2,138 |
| Noninterest expense to average assets | 2.7848% | 4,487 |
| Loan and lease loss provision to assets | 0.3649% | 2,606 |
| Net operating income to assets | 0.9615% | 2,383 |
| Return on assets (ROA) | 0.9046% | 2,722 |
| Pretax return on assets | 1.1723% | 2,588 |
| Return on Equity (ROE) | 7.6309% | 3,129 |
| Retained earnings to average equity (ytd only) | 7.6309% | 1,608 |
| Net charge-offs to loans | 0.4100% | 2,911 |
| Credit loss provision to net charge-offs | 159.3724% | 1,907 |
| Earnings coverage of net charge-offs (x) | 7.0363% | 2,288 |
| Efficiency ratio | 61.3704% | 5,677 |
| Assets per employee ($millions) | 4.7758% | 2,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9606% | 927 |
| Loan loss allowance to noncurrent loans | 79.0639% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 3.1783% | 2,114 |
| Noncurrent loans to loans | 3.7446% | 1,874 |
| Net loans and leases to total assets | 53.0036% | 5,437 |
| Net loans and leases to deposits | 66.5593% | 4,912 |
| Net loans and leases to core deposits | 74.5836% | 4,496 |
| Total domestic deposits to total assets | 79.6337% | 5,917 |
| Equity capital to assets | 12.4567% | 1,803 |
| Core capital (leverage) ratio | 10.7256% | 2,496 |
| Tier 1 risk-based capital ratio | 16.3600% | 2,801 |
| Total risk-based capital ratio | 17.6256% | 2,759 |
| Memoranda: | ||
| Average total assets | $1,057,726,670 | 639 |
| Average earning assets | $968,098,670 | 628 |
| Average equity | $125,385,000 | 558 |
| Average total loans | $590,782,000 | 723 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8250% | 3,934 |
| Cost of funding earning assets | 0.9164% | 4,801 |
| Net interest margin | 3.9087% | 3,099 |
| Noninterest income to average assets | 0.7391% | 2,326 |
| Noninterest expense to average assets | 2.8775% | 4,158 |
| Loan and lease loss provision to assets | 0.2847% | 2,870 |
| Net operating income to assets | 0.8337% | 2,866 |
| Return on assets (ROA) | 0.8583% | 2,810 |
| Pretax return on assets | 1.1714% | 2,474 |
| Return on Equity (ROE) | 7.4302% | 3,185 |
| Retained earnings to average equity (ytd only) | 7.4302% | 1,972 |
| Net charge-offs to loans | 0.3513% | 2,658 |
| Credit loss provision to net charge-offs | 143.5115% | 1,969 |
| Earnings coverage of net charge-offs (x) | 7.1698% | 1,990 |
| Efficiency ratio | 64.8939% | 5,205 |
| Assets per employee ($millions) | 4.6448% | 2,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8071% | 1,102 |
| Loan loss allowance to noncurrent loans | 93.1276% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 3.0681% | 2,248 |
| Noncurrent loans to loans | 3.0142% | 2,497 |
| Net loans and leases to total assets | 55.1754% | 5,130 |
| Net loans and leases to deposits | 68.1658% | 4,658 |
| Net loans and leases to core deposits | 76.3309% | 4,261 |
| Total domestic deposits to total assets | 80.9429% | 5,675 |
| Equity capital to assets | 11.9052% | 1,980 |
| Core capital (leverage) ratio | 10.5289% | 2,585 |
| Tier 1 risk-based capital ratio | 15.1756% | 3,331 |
| Total risk-based capital ratio | 16.4388% | 3,279 |
| Memoranda: | ||
| Average total assets | $1,056,474,500 | 641 |
| Average earning assets | $962,479,500 | 638 |
| Average equity | $122,042,500 | 571 |
| Average total loans | $596,620,000 | 726 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2646% | 3,298 |
| Cost of funding earning assets | 1.0824% | 5,242 |
| Net interest margin | 4.1822% | 2,254 |
| Noninterest income to average assets | 0.7149% | 2,755 |
| Noninterest expense to average assets | 3.0413% | 3,691 |
| Loan and lease loss provision to assets | 0.5426% | 2,976 |
| Net operating income to assets | 0.6708% | 3,341 |
| Return on assets (ROA) | 0.7530% | 3,112 |
| Pretax return on assets | 1.0440% | 2,795 |
| Return on Equity (ROE) | 6.5882% | 3,307 |
| Retained earnings to average equity (ytd only) | 6.5882% | 1,514 |
| Net charge-offs to loans | 0.3467% | 4,280 |
| Credit loss provision to net charge-offs | 255.1804% | 1,110 |
| Earnings coverage of net charge-offs (x) | 6.9251% | 2,238 |
| Efficiency ratio | 64.7900% | 5,201 |
| Assets per employee ($millions) | 4.7251% | 2,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7379% | 1,128 |
| Loan loss allowance to noncurrent loans | 101.3138% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 2.8955% | 2,425 |
| Noncurrent loans to loans | 2.7024% | 2,815 |
| Net loans and leases to total assets | 54.6446% | 5,554 |
| Net loans and leases to deposits | 67.2386% | 5,208 |
| Net loans and leases to core deposits | 76.7958% | 4,606 |
| Total domestic deposits to total assets | 81.2697% | 5,429 |
| Equity capital to assets | 11.2060% | 2,501 |
| Core capital (leverage) ratio | 10.3294% | 2,739 |
| Tier 1 risk-based capital ratio | 14.3719% | 3,632 |
| Total risk-based capital ratio | 15.6339% | 3,579 |
| Memoranda: | ||
| Average total assets | $1,016,790,600 | 658 |
| Average earning assets | $923,595,400 | 650 |
| Average equity | $116,207,800 | 583 |
| Average total loans | $623,541,600 | 711 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3355% | 3,186 |
| Cost of funding earning assets | 1.1210% | 5,313 |
| Net interest margin | 4.2146% | 2,171 |
| Noninterest income to average assets | 0.7251% | 2,678 |
| Noninterest expense to average assets | 3.0570% | 3,550 |
| Loan and lease loss provision to assets | 0.6251% | 2,431 |
| Net operating income to assets | 0.6470% | 3,662 |
| Return on assets (ROA) | 0.7172% | 3,490 |
| Pretax return on assets | 0.9699% | 3,294 |
| Return on Equity (ROE) | 6.2432% | 3,706 |
| Retained earnings to average equity (ytd only) | 6.2432% | 2,236 |
| Net charge-offs to loans | 0.4266% | 3,585 |
| Credit loss provision to net charge-offs | 233.7140% | 1,453 |
| Earnings coverage of net charge-offs (x) | 5.6087% | 2,709 |
| Efficiency ratio | 64.2936% | 5,192 |
| Assets per employee ($millions) | 4.2770% | 3,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5796% | 1,239 |
| Loan loss allowance to noncurrent loans | 76.6694% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 3.3162% | 2,145 |
| Noncurrent loans to loans | 3.3646% | 2,369 |
| Net loans and leases to total assets | 57.7570% | 5,293 |
| Net loans and leases to deposits | 72.2949% | 4,793 |
| Net loans and leases to core deposits | 81.0798% | 4,372 |
| Total domestic deposits to total assets | 79.8908% | 5,742 |
| Equity capital to assets | 11.8760% | 2,237 |
| Core capital (leverage) ratio | 10.3706% | 2,838 |
| Tier 1 risk-based capital ratio | 14.2449% | 3,669 |
| Total risk-based capital ratio | 15.5062% | 3,620 |
| Memoranda: | ||
| Average total assets | $1,004,022,750 | 658 |
| Average earning assets | $912,872,750 | 655 |
| Average equity | $115,343,500 | 580 |
| Average total loans | $629,438,250 | 701 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3887% | 3,019 |
| Cost of funding earning assets | 1.1519% | 5,392 |
| Net interest margin | 4.2368% | 2,032 |
| Noninterest income to average assets | 0.7477% | 2,410 |
| Noninterest expense to average assets | 3.1223% | 3,211 |
| Loan and lease loss provision to assets | 0.5772% | 2,461 |
| Net operating income to assets | 0.6561% | 3,603 |
| Return on assets (ROA) | 0.7879% | 3,174 |
| Pretax return on assets | 1.0853% | 2,826 |
| Return on Equity (ROE) | 6.9389% | 3,331 |
| Retained earnings to average equity (ytd only) | 6.9389% | 1,861 |
| Net charge-offs to loans | 0.1265% | 4,931 |
| Credit loss provision to net charge-offs | 714.4279% | 525 |
| Earnings coverage of net charge-offs (x) | 18.3433% | 1,293 |
| Efficiency ratio | 65.0268% | 5,145 |
| Assets per employee ($millions) | 4.2348% | 3,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4938% | 1,311 |
| Loan loss allowance to noncurrent loans | 54.6295% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 3.7382% | 1,869 |
| Noncurrent loans to loans | 4.5650% | 1,587 |
| Net loans and leases to total assets | 60.8002% | 4,909 |
| Net loans and leases to deposits | 75.8934% | 4,357 |
| Net loans and leases to core deposits | 85.2432% | 3,948 |
| Total domestic deposits to total assets | 80.1126% | 5,694 |
| Equity capital to assets | 11.7196% | 2,267 |
| Core capital (leverage) ratio | 10.3922% | 2,723 |
| Tier 1 risk-based capital ratio | 13.8901% | 3,805 |
| Total risk-based capital ratio | 15.1508% | 3,760 |
| Memoranda: | ||
| Average total assets | $995,111,000 | 662 |
| Average earning assets | $905,819,000 | 658 |
| Average equity | $112,987,000 | 582 |
| Average total loans | $635,551,330 | 702 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3917% | 3,074 |
| Cost of funding earning assets | 1.1989% | 5,410 |
| Net interest margin | 4.1927% | 2,069 |
| Noninterest income to average assets | 0.7614% | 2,225 |
| Noninterest expense to average assets | 2.9846% | 3,731 |
| Loan and lease loss provision to assets | 0.5338% | 2,367 |
| Net operating income to assets | 0.7543% | 3,191 |
| Return on assets (ROA) | 1.0035% | 2,235 |
| Pretax return on assets | 1.4011% | 1,776 |
| Return on Equity (ROE) | 8.9833% | 2,500 |
| Retained earnings to average equity (ytd only) | 8.9833% | 1,406 |
| Net charge-offs to loans | 0.0044% | 5,561 |
| Credit loss provision to net charge-offs | 18,928.5714% | 21 |
| Earnings coverage of net charge-offs (x) | 563.4286% | 43 |
| Efficiency ratio | 62.4505% | 5,745 |
| Assets per employee ($millions) | 4.2293% | 3,412 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2546% | 1,653 |
| Loan loss allowance to noncurrent loans | 48.1077% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 3.8414% | 1,808 |
| Noncurrent loans to loans | 4.6865% | 1,579 |
| Net loans and leases to total assets | 62.5002% | 4,657 |
| Net loans and leases to deposits | 79.1024% | 3,821 |
| Net loans and leases to core deposits | 89.4032% | 3,446 |
| Total domestic deposits to total assets | 79.0118% | 6,076 |
| Equity capital to assets | 11.2902% | 2,514 |
| Core capital (leverage) ratio | 10.1558% | 2,975 |
| Tier 1 risk-based capital ratio | 13.5197% | 3,968 |
| Total risk-based capital ratio | 14.7781% | 3,926 |
| Memoranda: | ||
| Average total assets | $992,965,000 | 681 |
| Average earning assets | $902,799,000 | 678 |
| Average equity | $110,917,500 | 597 |
| Average total loans | $641,737,000 | 713 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4886% | 4,204 |
| Cost of funding earning assets | 1.5067% | 5,483 |
| Net interest margin | 3.9820% | 2,932 |
| Noninterest income to average assets | 0.6361% | 3,376 |
| Noninterest expense to average assets | 3.0054% | 4,119 |
| Loan and lease loss provision to assets | 0.5204% | 3,769 |
| Net operating income to assets | 0.5603% | 3,483 |
| Return on assets (ROA) | 0.6776% | 3,078 |
| Pretax return on assets | 0.8847% | 2,971 |
| Return on Equity (ROE) | 6.6042% | 2,950 |
| Retained earnings to average equity (ytd only) | 6.6042% | 1,120 |
| Net charge-offs to loans | 0.2708% | 4,926 |
| Credit loss provision to net charge-offs | 285.7143% | 1,175 |
| Earnings coverage of net charge-offs (x) | 6.8782% | 2,269 |
| Efficiency ratio | 67.5517% | 5,086 |
| Assets per employee ($millions) | 4.2395% | 3,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0257% | 1,964 |
| Loan loss allowance to noncurrent loans | 45.3791% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 3.9643% | 1,668 |
| Noncurrent loans to loans | 4.4639% | 1,594 |
| Net loans and leases to total assets | 63.9988% | 4,597 |
| Net loans and leases to deposits | 80.0794% | 3,972 |
| Net loans and leases to core deposits | 106.4546% | 3,284 |
| Total domestic deposits to total assets | 79.9192% | 5,691 |
| Equity capital to assets | 11.0492% | 2,674 |
| Core capital (leverage) ratio | 9.8962% | 3,202 |
| Tier 1 risk-based capital ratio | 13.1613% | 4,037 |
| Total risk-based capital ratio | 14.4176% | 3,985 |
| Memoranda: | ||
| Average total assets | $991,505,200 | 675 |
| Average earning assets | $901,919,800 | 669 |
| Average equity | $101,723,600 | 644 |
| Average total loans | $666,874,200 | 701 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4788% | 4,526 |
| Cost of funding earning assets | 1.5680% | 5,553 |
| Net interest margin | 3.9108% | 3,197 |
| Noninterest income to average assets | 0.6537% | 3,328 |
| Noninterest expense to average assets | 2.9996% | 4,045 |
| Loan and lease loss provision to assets | 0.4380% | 3,717 |
| Net operating income to assets | 0.5907% | 3,632 |
| Return on assets (ROA) | 0.7137% | 3,226 |
| Pretax return on assets | 0.9377% | 3,106 |
| Return on Equity (ROE) | 7.0918% | 3,035 |
| Retained earnings to average equity (ytd only) | 7.0918% | 1,467 |
| Net charge-offs to loans | 0.2763% | 4,318 |
| Credit loss provision to net charge-offs | 234.0273% | 1,869 |
| Earnings coverage of net charge-offs (x) | 6.4867% | 2,596 |
| Efficiency ratio | 68.1344% | 4,942 |
| Assets per employee ($millions) | 4.2101% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7547% | 2,430 |
| Loan loss allowance to noncurrent loans | 42.8719% | 5,451 |
| Noncurrent assets plus other real estate owned to assets | 3.6419% | 1,805 |
| Noncurrent loans to loans | 4.0928% | 1,785 |
| Net loans and leases to total assets | 65.2776% | 4,584 |
| Net loans and leases to deposits | 81.8901% | 4,046 |
| Net loans and leases to core deposits | 108.9267% | 3,349 |
| Total domestic deposits to total assets | 79.7136% | 5,553 |
| Equity capital to assets | 10.9569% | 3,054 |
| Core capital (leverage) ratio | 9.7765% | 3,545 |
| Tier 1 risk-based capital ratio | 12.8167% | 4,311 |
| Total risk-based capital ratio | 14.0703% | 4,250 |
| Memoranda: | ||
| Average total assets | $992,428,500 | 685 |
| Average earning assets | $903,358,000 | 680 |
| Average equity | $99,868,250 | 665 |
| Average total loans | $672,278,000 | 712 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4626% | 4,829 |
| Cost of funding earning assets | 1.6327% | 5,595 |
| Net interest margin | 3.8299% | 3,415 |
| Noninterest income to average assets | 0.7088% | 2,939 |
| Noninterest expense to average assets | 3.0795% | 3,778 |
| Loan and lease loss provision to assets | 0.3780% | 3,659 |
| Net operating income to assets | 0.5760% | 3,787 |
| Return on assets (ROA) | 0.6826% | 3,448 |
| Pretax return on assets | 0.8754% | 3,422 |
| Return on Equity (ROE) | 6.9909% | 3,208 |
| Retained earnings to average equity (ytd only) | 6.9909% | 1,593 |
| Net charge-offs to loans | 0.2659% | 3,863 |
| Credit loss provision to net charge-offs | 208.5651% | 2,197 |
| Earnings coverage of net charge-offs (x) | 6.1613% | 2,676 |
| Efficiency ratio | 70.3181% | 4,712 |
| Assets per employee ($millions) | 4.1422% | 3,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5862% | 2,801 |
| Loan loss allowance to noncurrent loans | 51.8599% | 4,908 |
| Noncurrent assets plus other real estate owned to assets | 2.9754% | 2,140 |
| Noncurrent loans to loans | 3.0587% | 2,349 |
| Net loans and leases to total assets | 66.7349% | 4,410 |
| Net loans and leases to deposits | 83.2792% | 4,002 |
| Net loans and leases to core deposits | 109.6630% | 3,412 |
| Total domestic deposits to total assets | 80.1339% | 5,426 |
| Equity capital to assets | 10.3380% | 3,584 |
| Core capital (leverage) ratio | 9.4971% | 3,889 |
| Tier 1 risk-based capital ratio | 12.4609% | 4,550 |
| Total risk-based capital ratio | 13.7130% | 4,471 |
| Memoranda: | ||
| Average total assets | $992,041,000 | 700 |
| Average earning assets | $903,308,330 | 699 |
| Average equity | $96,868,670 | 690 |
| Average total loans | $676,312,000 | 729 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4102% | 5,371 |
| Cost of funding earning assets | 1.7058% | 5,574 |
| Net interest margin | 3.7044% | 3,872 |
| Noninterest income to average assets | 0.7152% | 2,790 |
| Noninterest expense to average assets | 3.0204% | 3,674 |
| Loan and lease loss provision to assets | 0.3148% | 3,451 |
| Net operating income to assets | 0.5512% | 4,211 |
| Return on assets (ROA) | 0.6208% | 4,119 |
| Pretax return on assets | 0.8500% | 3,889 |
| Return on Equity (ROE) | 6.5505% | 3,802 |
| Retained earnings to average equity (ytd only) | 6.5505% | 2,399 |
| Net charge-offs to loans | 0.4098% | 2,464 |
| Credit loss provision to net charge-offs | 112.3919% | 3,450 |
| Earnings coverage of net charge-offs (x) | 3.8184% | 3,056 |
| Efficiency ratio | 70.6898% | 4,430 |
| Assets per employee ($millions) | 4.1379% | 3,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4381% | 3,304 |
| Loan loss allowance to noncurrent loans | 118.8963% | 2,631 |
| Noncurrent assets plus other real estate owned to assets | 1.6360% | 3,453 |
| Noncurrent loans to loans | 1.2095% | 4,550 |
| Net loans and leases to total assets | 67.9373% | 4,156 |
| Net loans and leases to deposits | 84.7786% | 3,854 |
| Net loans and leases to core deposits | 112.1466% | 3,210 |
| Total domestic deposits to total assets | 80.1350% | 5,316 |
| Equity capital to assets | 10.0931% | 3,889 |
| Core capital (leverage) ratio | 9.4040% | 4,100 |
| Tier 1 risk-based capital ratio | 12.5129% | 4,543 |
| Total risk-based capital ratio | 13.7639% | 4,456 |
| Memoranda: | ||
| Average total assets | $991,002,500 | 700 |
| Average earning assets | $902,808,500 | 699 |
| Average equity | $93,917,000 | 706 |
| Average total loans | $677,409,500 | 732 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4893% | 3,016 |
| Cost of funding earning assets | 2.2135% | 5,540 |
| Net interest margin | 4.2758% | 2,058 |
| Noninterest income to average assets | 0.4951% | 4,646 |
| Noninterest expense to average assets | 2.8022% | 4,808 |
| Loan and lease loss provision to assets | 0.6202% | 2,352 |
| Net operating income to assets | 0.6964% | 3,907 |
| Return on assets (ROA) | 0.6601% | 3,914 |
| Pretax return on assets | 0.9231% | 3,649 |
| Return on Equity (ROE) | 7.2407% | 3,408 |
| Retained earnings to average equity (ytd only) | 7.2407% | 1,074 |
| Net charge-offs to loans | 0.5931% | 2,052 |
| Credit loss provision to net charge-offs | 158.6677% | 3,261 |
| Earnings coverage of net charge-offs (x) | 4.0774% | 4,111 |
| Efficiency ratio | 61.3614% | 6,090 |
| Assets per employee ($millions) | 3.9882% | 3,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4435% | 2,957 |
| Loan loss allowance to noncurrent loans | 127.7544% | 2,837 |
| Noncurrent assets plus other real estate owned to assets | 1.5664% | 3,107 |
| Noncurrent loans to loans | 1.1299% | 4,285 |
| Net loans and leases to total assets | 66.8072% | 4,678 |
| Net loans and leases to deposits | 83.8036% | 4,454 |
| Net loans and leases to core deposits | 111.2697% | 3,641 |
| Total domestic deposits to total assets | 79.7188% | 5,123 |
| Equity capital to assets | 8.8634% | 5,545 |
| Core capital (leverage) ratio | 8.1980% | 6,170 |
| Tier 1 risk-based capital ratio | 11.0374% | 5,689 |
| Total risk-based capital ratio | 12.2883% | 5,585 |
| Memoranda: | ||
| Average total assets | $975,493,400 | 676 |
| Average earning assets | $889,944,000 | 672 |
| Average equity | $88,927,400 | 751 |
| Average total loans | $642,905,600 | 742 |