Home > Franklin Synergy Bank > Performance and Condition Ratios
Franklin Synergy Bank, Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5452% | 1,789 |
| Cost of funding earning assets | 1.2437% | 440 |
| Net interest margin | 3.3015% | 3,385 |
| Noninterest income to average assets | 0.7804% | 1,489 |
| Noninterest expense to average assets | 2.1806% | 3,851 |
| Loan and lease loss provision to assets | 0.8502% | 272 |
| Net operating income to assets | 0.6916% | 3,414 |
| Return on assets (ROA) | 0.7583% | 3,303 |
| Pretax return on assets | 0.9299% | 3,232 |
| Return on Equity (ROE) | 6.1868% | 3,446 |
| Retained earnings to average equity (ytd only) | 4.0481% | 2,878 |
| Net charge-offs to loans | 1.6413% | 82 |
| Credit loss provision to net charge-offs | 68.8532% | 2,558 |
| Earnings coverage of net charge-offs (x) | 1.3757% | 2,863 |
| Efficiency ratio | 55.9727% | 3,949 |
| Assets per employee ($millions) | 12.1958% | 308 |
| Cash dividends to net income (ytd only)* | 34.5686% | 2,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 1,862 |
| Loan loss allowance to noncurrent loans | 155.9366% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.6483% | 1,876 |
| Noncurrent loans to loans | 0.8555% | 1,777 |
| Net loans and leases to total assets | 74.7725% | 1,306 |
| Net loans and leases to deposits | 89.6209% | 1,387 |
| Net loans and leases to core deposits | 107.8881% | 825 |
| Total domestic deposits to total assets | 83.4320% | 2,949 |
| Equity capital to assets | 12.6375% | 1,320 |
| Core capital (leverage) ratio | 11.8514% | 1,464 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,814,930,667 | 292 |
| Average earning assets | $3,580,713,000 | 285 |
| Average equity | $467,576,667 | 270 |
| Average total loans | $2,869,989,000 | 267 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6138% | 1,961 |
| Cost of funding earning assets | 1.4493% | 323 |
| Net interest margin | 3.1644% | 3,945 |
| Noninterest income to average assets | 0.5307% | 2,388 |
| Noninterest expense to average assets | 2.0925% | 4,231 |
| Loan and lease loss provision to assets | 1.3571% | 124 |
| Net operating income to assets | 0.0700% | 4,692 |
| Return on assets (ROA) | 0.2155% | 4,515 |
| Pretax return on assets | 0.1987% | 4,568 |
| Return on Equity (ROE) | 1.7857% | 4,489 |
| Retained earnings to average equity (ytd only) | -0.3730% | 4,050 |
| Net charge-offs to loans | 2.7883% | 47 |
| Credit loss provision to net charge-offs | 64.9314% | 1,995 |
| Earnings coverage of net charge-offs (x) | 0.6748% | 2,450 |
| Efficiency ratio | 59.4538% | 3,813 |
| Assets per employee ($millions) | 11.7944% | 247 |
| Cash dividends to net income (ytd only)* | 120.8897% | 606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 2,026 |
| Loan loss allowance to noncurrent loans | 139.9832% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 0.7246% | 1,856 |
| Noncurrent loans to loans | 0.9465% | 1,738 |
| Net loans and leases to total assets | 75.5424% | 1,379 |
| Net loans and leases to deposits | 91.1328% | 1,388 |
| Net loans and leases to core deposits | 115.9537% | 590 |
| Total domestic deposits to total assets | 82.8927% | 3,141 |
| Equity capital to assets | 12.2289% | 1,897 |
| Core capital (leverage) ratio | 11.4994% | 2,070 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $3,838,139,500 | 284 |
| Average earning assets | $3,604,958,000 | 274 |
| Average equity | $463,241,500 | 272 |
| Average total loans | $2,877,028,500 | 266 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8273% | 1,962 |
| Cost of funding earning assets | 1.8079% | 136 |
| Net interest margin | 3.0194% | 4,498 |
| Noninterest income to average assets | 0.3881% | 3,371 |
| Noninterest expense to average assets | 1.8707% | 4,691 |
| Loan and lease loss provision to assets | 0.3278% | 486 |
| Net operating income to assets | 0.8548% | 3,378 |
| Return on assets (ROA) | 0.8958% | 3,306 |
| Pretax return on assets | 1.0916% | 3,190 |
| Return on Equity (ROE) | 8.0279% | 3,151 |
| Retained earnings to average equity (ytd only) | 6.8116% | 1,476 |
| Net charge-offs to loans | 0.3565% | 562 |
| Credit loss provision to net charge-offs | 132.0413% | 1,930 |
| Earnings coverage of net charge-offs (x) | 5.5155% | 3,075 |
| Efficiency ratio | 57.3514% | 4,044 |
| Assets per employee ($millions) | 11.6895% | 247 |
| Cash dividends to net income (ytd only)* | 15.1503% | 3,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9368% | 3,803 |
| Loan loss allowance to noncurrent loans | 781.3415% | 671 |
| Noncurrent assets plus other real estate owned to assets | 0.0874% | 4,203 |
| Noncurrent loans to loans | 0.1199% | 4,053 |
| Net loans and leases to total assets | 72.2519% | 2,054 |
| Net loans and leases to deposits | 87.8464% | 1,876 |
| Net loans and leases to core deposits | 115.7765% | 607 |
| Total domestic deposits to total assets | 82.2480% | 3,440 |
| Equity capital to assets | 12.2368% | 1,989 |
| Core capital (leverage) ratio | 12.0501% | 1,744 |
| Tier 1 risk-based capital ratio | 13.9960% | 3,278 |
| Total risk-based capital ratio | 14.8180% | 3,386 |
| Memoranda: | ||
| Average total assets | $4,052,554,400 | 266 |
| Average earning assets | $3,827,933,200 | 254 |
| Average equity | $452,210,600 | 268 |
| Average total loans | $2,822,708,800 | 264 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8753% | 1,892 |
| Cost of funding earning assets | 1.9032% | 95 |
| Net interest margin | 2.9721% | 4,659 |
| Noninterest income to average assets | 0.3647% | 3,534 |
| Noninterest expense to average assets | 1.8173% | 4,797 |
| Loan and lease loss provision to assets | 0.4266% | 307 |
| Net operating income to assets | 0.7687% | 3,776 |
| Return on assets (ROA) | 0.8222% | 3,685 |
| Pretax return on assets | 0.9971% | 3,607 |
| Return on Equity (ROE) | 7.5421% | 3,492 |
| Retained earnings to average equity (ytd only) | 6.4954% | 2,122 |
| Net charge-offs to loans | 0.4764% | 357 |
| Credit loss provision to net charge-offs | 130.0407% | 1,822 |
| Earnings coverage of net charge-offs (x) | 4.1408% | 3,038 |
| Efficiency ratio | 56.8170% | 4,081 |
| Assets per employee ($millions) | 11.5555% | 239 |
| Cash dividends to net income (ytd only)* | 13.8784% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9280% | 3,931 |
| Loan loss allowance to noncurrent loans | 852.0760% | 660 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 4,314 |
| Noncurrent loans to loans | 0.1089% | 4,156 |
| Net loans and leases to total assets | 74.1176% | 1,798 |
| Net loans and leases to deposits | 92.2810% | 1,403 |
| Net loans and leases to core deposits | 123.9974% | 407 |
| Total domestic deposits to total assets | 80.3173% | 3,918 |
| Equity capital to assets | 12.1990% | 2,111 |
| Core capital (leverage) ratio | 11.1937% | 2,474 |
| Tier 1 risk-based capital ratio | 13.7528% | 3,449 |
| Total risk-based capital ratio | 14.5738% | 3,572 |
| Memoranda: | ||
| Average total assets | $4,089,618,250 | 265 |
| Average earning assets | $3,868,046,000 | 256 |
| Average equity | $445,822,500 | 274 |
| Average total loans | $2,816,484,250 | 267 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7948% | 2,071 |
| Cost of funding earning assets | 1.9206% | 79 |
| Net interest margin | 2.8742% | 4,848 |
| Noninterest income to average assets | 0.3775% | 3,421 |
| Noninterest expense to average assets | 1.8064% | 4,868 |
| Loan and lease loss provision to assets | 0.5780% | 193 |
| Net operating income to assets | 0.5895% | 4,336 |
| Return on assets (ROA) | 0.6094% | 4,321 |
| Pretax return on assets | 0.7389% | 4,242 |
| Return on Equity (ROE) | 5.8001% | 4,115 |
| Retained earnings to average equity (ytd only) | 5.3449% | 2,598 |
| Net charge-offs to loans | 0.5772% | 264 |
| Credit loss provision to net charge-offs | 149.3205% | 1,498 |
| Earnings coverage of net charge-offs (x) | 3.3390% | 2,855 |
| Efficiency ratio | 57.8631% | 4,033 |
| Assets per employee ($millions) | 12.0704% | 206 |
| Cash dividends to net income (ytd only)* | 7.8481% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9439% | 3,899 |
| Loan loss allowance to noncurrent loans | 583.2731% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.1157% | 4,182 |
| Noncurrent loans to loans | 0.1618% | 3,970 |
| Net loans and leases to total assets | 70.8035% | 2,423 |
| Net loans and leases to deposits | 91.4980% | 1,559 |
| Net loans and leases to core deposits | 132.3202% | 280 |
| Total domestic deposits to total assets | 77.3825% | 4,509 |
| Equity capital to assets | 11.0967% | 2,950 |
| Core capital (leverage) ratio | 10.6125% | 2,970 |
| Tier 1 risk-based capital ratio | 12.8995% | 3,891 |
| Total risk-based capital ratio | 13.7185% | 4,031 |
| Memoranda: | ||
| Average total assets | $4,181,723,330 | 261 |
| Average earning assets | $3,959,701,670 | 254 |
| Average equity | $439,368,670 | 273 |
| Average total loans | $2,804,378,000 | 268 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7252% | 2,136 |
| Cost of funding earning assets | 1.8922% | 74 |
| Net interest margin | 2.8330% | 4,955 |
| Noninterest income to average assets | 0.3149% | 3,755 |
| Noninterest expense to average assets | 1.8190% | 4,904 |
| Loan and lease loss provision to assets | 0.4770% | 227 |
| Net operating income to assets | 0.5710% | 4,332 |
| Return on assets (ROA) | 0.5824% | 4,330 |
| Pretax return on assets | 0.7203% | 4,251 |
| Return on Equity (ROE) | 5.6968% | 4,117 |
| Retained earnings to average equity (ytd only) | 4.7738% | 3,011 |
| Net charge-offs to loans | 0.0943% | 1,193 |
| Credit loss provision to net charge-offs | 778.8906% | 450 |
| Earnings coverage of net charge-offs (x) | 19.3205% | 1,594 |
| Efficiency ratio | 60.1352% | 3,787 |
| Assets per employee ($millions) | 12.5303% | 180 |
| Cash dividends to net income (ytd only)* | 16.2022% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9847% | 3,804 |
| Loan loss allowance to noncurrent loans | 234.0334% | 1,936 |
| Noncurrent assets plus other real estate owned to assets | 0.2810% | 3,480 |
| Noncurrent loans to loans | 0.4207% | 3,083 |
| Net loans and leases to total assets | 66.1413% | 3,032 |
| Net loans and leases to deposits | 84.3795% | 2,343 |
| Net loans and leases to core deposits | 120.8359% | 504 |
| Total domestic deposits to total assets | 78.3855% | 4,453 |
| Equity capital to assets | 10.3830% | 3,439 |
| Core capital (leverage) ratio | 10.1125% | 3,478 |
| Tier 1 risk-based capital ratio | 13.0380% | 3,861 |
| Total risk-based capital ratio | 13.8941% | 3,956 |
| Memoranda: | ||
| Average total assets | $4,238,729,500 | 258 |
| Average earning assets | $4,020,898,500 | 249 |
| Average equity | $433,363,000 | 274 |
| Average total loans | $2,752,804,500 | 272 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3281% | 3,014 |
| Cost of funding earning assets | 1.5314% | 79 |
| Net interest margin | 2.7967% | 5,024 |
| Noninterest income to average assets | 0.3617% | 3,679 |
| Noninterest expense to average assets | 1.7063% | 5,085 |
| Loan and lease loss provision to assets | 0.0550% | 3,072 |
| Net operating income to assets | 1.0634% | 2,746 |
| Return on assets (ROA) | 0.9788% | 3,104 |
| Pretax return on assets | 1.1773% | 2,976 |
| Return on Equity (ROE) | 10.2405% | 2,422 |
| Retained earnings to average equity (ytd only) | 9.2194% | 801 |
| Net charge-offs to loans | 0.0020% | 3,675 |
| Credit loss provision to net charge-offs | 4,508.0000% | 110 |
| Earnings coverage of net charge-offs (x) | 1,093.5200% | 98 |
| Efficiency ratio | 55.6290% | 4,453 |
| Assets per employee ($millions) | 12.7394% | 171 |
| Cash dividends to net income (ytd only)* | 9.9718% | 3,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8762% | 4,266 |
| Loan loss allowance to noncurrent loans | 411.6377% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 4,152 |
| Noncurrent loans to loans | 0.2129% | 3,815 |
| Net loans and leases to total assets | 62.5394% | 3,510 |
| Net loans and leases to deposits | 77.2320% | 3,251 |
| Net loans and leases to core deposits | 114.6758% | 754 |
| Total domestic deposits to total assets | 80.9760% | 3,892 |
| Equity capital to assets | 10.0650% | 3,614 |
| Core capital (leverage) ratio | 10.0665% | 3,501 |
| Tier 1 risk-based capital ratio | 13.9916% | 3,289 |
| Total risk-based capital ratio | 14.7732% | 3,442 |
| Memoranda: | ||
| Average total assets | $4,098,174,800 | 261 |
| Average earning assets | $3,925,354,800 | 248 |
| Average equity | $391,708,600 | 284 |
| Average total loans | $2,464,313,600 | 285 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2408% | 3,173 |
| Cost of funding earning assets | 1.4404% | 81 |
| Net interest margin | 2.8004% | 5,087 |
| Noninterest income to average assets | 0.3625% | 3,712 |
| Noninterest expense to average assets | 1.6444% | 5,176 |
| Loan and lease loss provision to assets | 0.0420% | 3,148 |
| Net operating income to assets | 1.1236% | 2,558 |
| Return on assets (ROA) | 1.1233% | 2,571 |
| Pretax return on assets | 1.3605% | 2,379 |
| Return on Equity (ROE) | 11.9175% | 1,816 |
| Retained earnings to average equity (ytd only) | 10.8728% | 675 |
| Net charge-offs to loans | 0.0026% | 3,388 |
| Credit loss provision to net charge-offs | 2,721.2766% | 151 |
| Earnings coverage of net charge-offs (x) | 909.2055% | 97 |
| Efficiency ratio | 53.4765% | 4,659 |
| Assets per employee ($millions) | 12.8956% | 162 |
| Cash dividends to net income (ytd only)* | 8.7658% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8765% | 4,354 |
| Loan loss allowance to noncurrent loans | 565.9366% | 977 |
| Noncurrent assets plus other real estate owned to assets | 0.1314% | 4,302 |
| Noncurrent loans to loans | 0.1549% | 4,181 |
| Net loans and leases to total assets | 61.0330% | 3,743 |
| Net loans and leases to deposits | 75.3380% | 3,473 |
| Net loans and leases to core deposits | 120.6990% | 556 |
| Total domestic deposits to total assets | 81.0122% | 3,863 |
| Equity capital to assets | 9.8443% | 3,784 |
| Core capital (leverage) ratio | 10.0215% | 3,611 |
| Tier 1 risk-based capital ratio | 14.0760% | 3,334 |
| Total risk-based capital ratio | 14.8438% | 3,481 |
| Memoranda: | ||
| Average total assets | $4,062,166,250 | 260 |
| Average earning assets | $3,894,244,250 | 247 |
| Average equity | $382,891,000 | 290 |
| Average total loans | $2,411,266,500 | 289 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1477% | 3,288 |
| Cost of funding earning assets | 1.3452% | 92 |
| Net interest margin | 2.8025% | 5,115 |
| Noninterest income to average assets | 0.3775% | 3,631 |
| Noninterest expense to average assets | 1.6026% | 5,264 |
| Loan and lease loss provision to assets | 0.0568% | 2,776 |
| Net operating income to assets | 1.1250% | 2,500 |
| Return on assets (ROA) | 1.1246% | 2,505 |
| Pretax return on assets | 1.4073% | 2,118 |
| Return on Equity (ROE) | 12.1169% | 1,681 |
| Retained earnings to average equity (ytd only) | 11.0470% | 660 |
| Net charge-offs to loans | 0.0042% | 3,030 |
| Credit loss provision to net charge-offs | 2,332.6531% | 180 |
| Earnings coverage of net charge-offs (x) | 601.8571% | 140 |
| Efficiency ratio | 51.7898% | 4,910 |
| Assets per employee ($millions) | 12.9270% | 152 |
| Cash dividends to net income (ytd only)* | 8.8304% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8976% | 4,349 |
| Loan loss allowance to noncurrent loans | 650.0145% | 890 |
| Noncurrent assets plus other real estate owned to assets | 0.1187% | 4,398 |
| Noncurrent loans to loans | 0.1381% | 4,281 |
| Net loans and leases to total assets | 59.2560% | 3,881 |
| Net loans and leases to deposits | 72.5301% | 3,673 |
| Net loans and leases to core deposits | 112.9878% | 839 |
| Total domestic deposits to total assets | 81.6985% | 3,811 |
| Equity capital to assets | 9.6781% | 3,938 |
| Core capital (leverage) ratio | 9.6501% | 3,943 |
| Tier 1 risk-based capital ratio | 14.0590% | 3,328 |
| Total risk-based capital ratio | 14.8437% | 3,474 |
| Memoranda: | ||
| Average total assets | $4,027,790,330 | 260 |
| Average earning assets | $3,865,359,000 | 247 |
| Average equity | $373,840,670 | 291 |
| Average total loans | $2,360,127,330 | 294 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9983% | 3,613 |
| Cost of funding earning assets | 1.2457% | 112 |
| Net interest margin | 2.7526% | 5,208 |
| Noninterest income to average assets | 0.3492% | 3,806 |
| Noninterest expense to average assets | 1.5202% | 5,374 |
| Loan and lease loss provision to assets | 0.0579% | 2,614 |
| Net operating income to assets | 1.1187% | 2,343 |
| Return on assets (ROA) | 1.1187% | 2,361 |
| Pretax return on assets | 1.4157% | 1,958 |
| Return on Equity (ROE) | 12.3294% | 1,459 |
| Retained earnings to average equity (ytd only) | 11.2162% | 843 |
| Net charge-offs to loans | 0.0143% | 2,251 |
| Credit loss provision to net charge-offs | 698.7805% | 477 |
| Earnings coverage of net charge-offs (x) | 177.9268% | 369 |
| Efficiency ratio | 50.4284% | 5,062 |
| Assets per employee ($millions) | 13.8333% | 130 |
| Cash dividends to net income (ytd only)* | 9.0285% | 2,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9358% | 4,278 |
| Loan loss allowance to noncurrent loans | 620.7310% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.1226% | 4,474 |
| Noncurrent loans to loans | 0.1508% | 4,305 |
| Net loans and leases to total assets | 56.3894% | 4,095 |
| Net loans and leases to deposits | 68.4996% | 3,913 |
| Net loans and leases to core deposits | 106.5836% | 1,197 |
| Total domestic deposits to total assets | 82.3207% | 3,867 |
| Equity capital to assets | 8.8178% | 4,726 |
| Core capital (leverage) ratio | 9.1981% | 4,437 |
| Tier 1 risk-based capital ratio | 13.4879% | 3,657 |
| Total risk-based capital ratio | 14.2940% | 3,838 |
| Memoranda: | ||
| Average total assets | $3,960,445,000 | 263 |
| Average earning assets | $3,805,106,500 | 249 |
| Average equity | $359,336,500 | 302 |
| Average total loans | $2,295,760,500 | 297 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9863% | 3,449 |
| Cost of funding earning assets | 0.9357% | 309 |
| Net interest margin | 3.0506% | 4,789 |
| Noninterest income to average assets | 0.4008% | 3,633 |
| Noninterest expense to average assets | 1.7138% | 5,323 |
| Loan and lease loss provision to assets | 0.1250% | 1,829 |
| Net operating income to assets | 0.8948% | 2,740 |
| Return on assets (ROA) | 0.9110% | 2,680 |
| Pretax return on assets | 1.5254% | 1,542 |
| Return on Equity (ROE) | 9.1198% | 2,258 |
| Retained earnings to average equity (ytd only) | 7.9589% | 784 |
| Net charge-offs to loans | -0.0188% | 4,941 |
| Credit loss provision to net charge-offs | -1,129.0576% | 5,087 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9200% | 5,173 |
| Assets per employee ($millions) | 13.7175% | 123 |
| Cash dividends to net income (ytd only)* | 12.7295% | 3,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 4,285 |
| Loan loss allowance to noncurrent loans | 698.4550% | 847 |
| Noncurrent assets plus other real estate owned to assets | 0.1183% | 4,541 |
| Noncurrent loans to loans | 0.1341% | 4,392 |
| Net loans and leases to total assets | 58.5120% | 3,966 |
| Net loans and leases to deposits | 70.8242% | 3,808 |
| Net loans and leases to core deposits | 110.2920% | 983 |
| Total domestic deposits to total assets | 82.6158% | 3,690 |
| Equity capital to assets | 9.3425% | 4,388 |
| Core capital (leverage) ratio | 9.7542% | 3,740 |
| Tier 1 risk-based capital ratio | 13.4248% | 3,673 |
| Total risk-based capital ratio | 14.2349% | 3,812 |
| Memoranda: | ||
| Average total assets | $3,449,422,800 | 278 |
| Average earning assets | $3,322,059,200 | 267 |
| Average equity | $344,559,400 | 298 |
| Average total loans | $2,035,950,200 | 311 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0137% | 3,299 |
| Cost of funding earning assets | 0.8932% | 365 |
| Net interest margin | 3.1205% | 4,652 |
| Noninterest income to average assets | 0.4371% | 3,426 |
| Noninterest expense to average assets | 1.7367% | 5,335 |
| Loan and lease loss provision to assets | 0.1201% | 1,807 |
| Net operating income to assets | 1.1049% | 2,070 |
| Return on assets (ROA) | 1.1175% | 2,070 |
| Pretax return on assets | 1.6084% | 1,388 |
| Return on Equity (ROE) | 10.9834% | 1,706 |
| Retained earnings to average equity (ytd only) | 9.8104% | 623 |
| Net charge-offs to loans | -0.0251% | 4,926 |
| Credit loss provision to net charge-offs | -809.1153% | 4,914 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9665% | 5,250 |
| Assets per employee ($millions) | 12.9558% | 147 |
| Cash dividends to net income (ytd only)* | 10.6800% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9373% | 4,390 |
| Loan loss allowance to noncurrent loans | 697.3427% | 795 |
| Noncurrent assets plus other real estate owned to assets | 0.1225% | 4,632 |
| Noncurrent loans to loans | 0.1344% | 4,520 |
| Net loans and leases to total assets | 59.1609% | 3,953 |
| Net loans and leases to deposits | 74.4637% | 3,522 |
| Net loans and leases to core deposits | 135.7121% | 259 |
| Total domestic deposits to total assets | 79.4492% | 4,448 |
| Equity capital to assets | 10.0378% | 3,871 |
| Core capital (leverage) ratio | 10.1689% | 3,354 |
| Tier 1 risk-based capital ratio | 13.7107% | 3,571 |
| Total risk-based capital ratio | 14.5023% | 3,766 |
| Memoranda: | ||
| Average total assets | $3,351,555,250 | 282 |
| Average earning assets | $3,232,585,250 | 270 |
| Average equity | $340,990,750 | 300 |
| Average total loans | $1,977,780,000 | 317 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0176% | 3,149 |
| Cost of funding earning assets | 0.8399% | 422 |
| Net interest margin | 3.1777% | 4,478 |
| Noninterest income to average assets | 0.4734% | 3,196 |
| Noninterest expense to average assets | 1.7572% | 5,360 |
| Loan and lease loss provision to assets | 0.1480% | 1,375 |
| Net operating income to assets | 1.1143% | 1,907 |
| Return on assets (ROA) | 1.1188% | 1,938 |
| Pretax return on assets | 1.6384% | 1,231 |
| Return on Equity (ROE) | 10.9437% | 1,665 |
| Retained earnings to average equity (ytd only) | 9.7513% | 632 |
| Net charge-offs to loans | 0.0303% | 2,601 |
| Credit loss provision to net charge-offs | 831.5068% | 450 |
| Earnings coverage of net charge-offs (x) | 99.9829% | 654 |
| Efficiency ratio | 49.2563% | 5,343 |
| Assets per employee ($millions) | 12.7452% | 143 |
| Cash dividends to net income (ytd only)* | 10.8962% | 3,353 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9235% | 4,538 |
| Loan loss allowance to noncurrent loans | 479.3280% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.1525% | 4,568 |
| Noncurrent loans to loans | 0.1927% | 4,350 |
| Net loans and leases to total assets | 58.2640% | 3,998 |
| Net loans and leases to deposits | 72.6509% | 3,676 |
| Net loans and leases to core deposits | 123.6490% | 445 |
| Total domestic deposits to total assets | 80.1973% | 4,364 |
| Equity capital to assets | 10.0970% | 3,799 |
| Core capital (leverage) ratio | 9.7974% | 3,782 |
| Tier 1 risk-based capital ratio | 13.7686% | 3,555 |
| Total risk-based capital ratio | 14.5348% | 3,736 |
| Memoranda: | ||
| Average total assets | $3,281,125,000 | 291 |
| Average earning assets | $3,163,045,670 | 273 |
| Average equity | $335,443,330 | 306 |
| Average total loans | $1,927,788,670 | 327 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9632% | 3,163 |
| Cost of funding earning assets | 0.7560% | 630 |
| Net interest margin | 3.2072% | 4,318 |
| Noninterest income to average assets | 0.5007% | 2,976 |
| Noninterest expense to average assets | 1.7429% | 5,437 |
| Loan and lease loss provision to assets | 0.2318% | 669 |
| Net operating income to assets | 1.0874% | 1,924 |
| Return on assets (ROA) | 1.0874% | 1,968 |
| Pretax return on assets | 1.6137% | 1,198 |
| Return on Equity (ROE) | 10.5660% | 1,707 |
| Retained earnings to average equity (ytd only) | 9.3518% | 966 |
| Net charge-offs to loans | 0.0645% | 1,686 |
| Credit loss provision to net charge-offs | 612.2112% | 505 |
| Earnings coverage of net charge-offs (x) | 48.7426% | 913 |
| Efficiency ratio | 48.1283% | 5,465 |
| Assets per employee ($millions) | 12.8030% | 142 |
| Cash dividends to net income (ytd only)* | 11.4916% | 2,675 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9226% | 4,666 |
| Loan loss allowance to noncurrent loans | 448.5877% | 1,147 |
| Noncurrent assets plus other real estate owned to assets | 0.1548% | 4,638 |
| Noncurrent loans to loans | 0.2057% | 4,378 |
| Net loans and leases to total assets | 56.2454% | 4,147 |
| Net loans and leases to deposits | 68.9404% | 3,898 |
| Net loans and leases to core deposits | 113.9667% | 675 |
| Total domestic deposits to total assets | 81.5855% | 4,280 |
| Equity capital to assets | 9.6419% | 4,138 |
| Core capital (leverage) ratio | 10.0501% | 3,431 |
| Tier 1 risk-based capital ratio | 13.5833% | 3,730 |
| Total risk-based capital ratio | 14.3389% | 3,931 |
| Memoranda: | ||
| Average total assets | $3,201,080,000 | 297 |
| Average earning assets | $3,081,840,000 | 281 |
| Average equity | $329,435,500 | 309 |
| Average total loans | $1,879,843,500 | 331 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0839% | 2,917 |
| Cost of funding earning assets | 0.6304% | 1,155 |
| Net interest margin | 3.4535% | 3,615 |
| Noninterest income to average assets | 0.5096% | 3,174 |
| Noninterest expense to average assets | 1.9741% | 5,243 |
| Loan and lease loss provision to assets | 0.2059% | 1,106 |
| Net operating income to assets | 1.1238% | 1,805 |
| Return on assets (ROA) | 1.1818% | 1,659 |
| Pretax return on assets | 1.7344% | 923 |
| Return on Equity (ROE) | 11.8676% | 1,283 |
| Retained earnings to average equity (ytd only) | 11.0586% | 300 |
| Net charge-offs to loans | 0.0176% | 3,718 |
| Credit loss provision to net charge-offs | 1,905.8182% | 234 |
| Earnings coverage of net charge-offs (x) | 171.6691% | 379 |
| Efficiency ratio | 50.9759% | 5,437 |
| Assets per employee ($millions) | 11.1991% | 213 |
| Cash dividends to net income (ytd only)* | 6.8163% | 4,092 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9210% | 4,693 |
| Loan loss allowance to noncurrent loans | 267.7612% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 0.2099% | 4,476 |
| Noncurrent loans to loans | 0.3440% | 3,902 |
| Net loans and leases to total assets | 60.4591% | 3,796 |
| Net loans and leases to deposits | 74.3155% | 3,480 |
| Net loans and leases to core deposits | 106.4512% | 1,101 |
| Total domestic deposits to total assets | 81.3546% | 4,249 |
| Equity capital to assets | 11.0537% | 2,588 |
| Core capital (leverage) ratio | 11.2230% | 2,147 |
| Tier 1 risk-based capital ratio | 14.1828% | 3,357 |
| Total risk-based capital ratio | 14.9228% | 3,569 |
| Memoranda: | ||
| Average total assets | $2,544,897,200 | 339 |
| Average earning assets | $2,446,211,800 | 326 |
| Average equity | $253,421,600 | 356 |
| Average total loans | $1,559,446,200 | 365 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1141% | 2,826 |
| Cost of funding earning assets | 0.6160% | 1,233 |
| Net interest margin | 3.4981% | 3,472 |
| Noninterest income to average assets | 0.6027% | 2,648 |
| Noninterest expense to average assets | 2.0169% | 5,166 |
| Loan and lease loss provision to assets | 0.2234% | 917 |
| Net operating income to assets | 1.1482% | 1,815 |
| Return on assets (ROA) | 1.2035% | 1,729 |
| Pretax return on assets | 1.8110% | 880 |
| Return on Equity (ROE) | 12.4995% | 1,174 |
| Retained earnings to average equity (ytd only) | 11.9048% | 314 |
| Net charge-offs to loans | 0.0083% | 3,637 |
| Credit loss provision to net charge-offs | 4,404.3011% | 125 |
| Earnings coverage of net charge-offs (x) | 384.6140% | 234 |
| Efficiency ratio | 50.2405% | 5,486 |
| Assets per employee ($millions) | 10.5651% | 247 |
| Cash dividends to net income (ytd only)* | 4.7583% | 3,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9275% | 4,767 |
| Loan loss allowance to noncurrent loans | 976.2054% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.0590% | 5,208 |
| Noncurrent loans to loans | 0.0950% | 4,963 |
| Net loans and leases to total assets | 61.5706% | 3,678 |
| Net loans and leases to deposits | 74.9963% | 3,501 |
| Net loans and leases to core deposits | 123.3176% | 430 |
| Total domestic deposits to total assets | 82.0982% | 3,910 |
| Equity capital to assets | 9.8131% | 4,350 |
| Core capital (leverage) ratio | 9.2648% | 4,509 |
| Tier 1 risk-based capital ratio | 11.7664% | 4,942 |
| Total risk-based capital ratio | 12.5183% | 5,117 |
| Memoranda: | ||
| Average total assets | $2,444,782,500 | 345 |
| Average earning assets | $2,351,680,750 | 334 |
| Average equity | $235,384,250 | 381 |
| Average total loans | $1,499,985,250 | 373 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1351% | 2,732 |
| Cost of funding earning assets | 0.6090% | 1,254 |
| Net interest margin | 3.5261% | 3,387 |
| Noninterest income to average assets | 0.5602% | 2,850 |
| Noninterest expense to average assets | 1.9979% | 5,269 |
| Loan and lease loss provision to assets | 0.2292% | 885 |
| Net operating income to assets | 1.1466% | 1,786 |
| Return on assets (ROA) | 1.2094% | 1,665 |
| Pretax return on assets | 1.8145% | 856 |
| Return on Equity (ROE) | 12.6545% | 1,116 |
| Retained earnings to average equity (ytd only) | 12.6101% | 261 |
| Net charge-offs to loans | 0.0053% | 3,515 |
| Credit loss provision to net charge-offs | 7,113.1579% | 53 |
| Earnings coverage of net charge-offs (x) | 605.0526% | 105 |
| Efficiency ratio | 49.9774% | 5,560 |
| Assets per employee ($millions) | 10.6965% | 225 |
| Cash dividends to net income (ytd only)* | 0.3506% | 3,614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9093% | 4,927 |
| Loan loss allowance to noncurrent loans | 884.7300% | 652 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 5,274 |
| Noncurrent loans to loans | 0.1028% | 5,035 |
| Net loans and leases to total assets | 59.5138% | 3,949 |
| Net loans and leases to deposits | 68.9973% | 4,087 |
| Net loans and leases to core deposits | 124.7632% | 396 |
| Total domestic deposits to total assets | 86.2553% | 2,294 |
| Equity capital to assets | 9.9854% | 4,245 |
| Core capital (leverage) ratio | 9.6215% | 4,034 |
| Tier 1 risk-based capital ratio | 12.1046% | 4,766 |
| Total risk-based capital ratio | 12.8340% | 4,995 |
| Memoranda: | ||
| Average total assets | $2,358,151,000 | 352 |
| Average earning assets | $2,265,629,000 | 339 |
| Average equity | $225,374,330 | 392 |
| Average total loans | $1,439,688,000 | 386 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2090% | 2,437 |
| Cost of funding earning assets | 0.6105% | 1,269 |
| Net interest margin | 3.5985% | 3,083 |
| Noninterest income to average assets | 0.4974% | 3,134 |
| Noninterest expense to average assets | 1.9960% | 5,351 |
| Loan and lease loss provision to assets | 0.2036% | 966 |
| Net operating income to assets | 1.1528% | 1,703 |
| Return on assets (ROA) | 1.1895% | 1,687 |
| Pretax return on assets | 1.8095% | 837 |
| Return on Equity (ROE) | 12.7805% | 1,086 |
| Retained earnings to average equity (ytd only) | 12.6842% | 419 |
| Net charge-offs to loans | 0.0137% | 2,671 |
| Credit loss provision to net charge-offs | 2,417.0213% | 176 |
| Earnings coverage of net charge-offs (x) | 232.4255% | 270 |
| Efficiency ratio | 49.8119% | 5,642 |
| Assets per employee ($millions) | 9.9078% | 290 |
| Cash dividends to net income (ytd only)* | 0.7532% | 2,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8842% | 5,110 |
| Loan loss allowance to noncurrent loans | 733.5648% | 744 |
| Noncurrent assets plus other real estate owned to assets | 0.0839% | 5,243 |
| Noncurrent loans to loans | 0.1205% | 4,993 |
| Net loans and leases to total assets | 61.8177% | 3,554 |
| Net loans and leases to deposits | 72.7052% | 3,578 |
| Net loans and leases to core deposits | 110.2779% | 841 |
| Total domestic deposits to total assets | 85.0251% | 3,126 |
| Equity capital to assets | 9.9707% | 4,116 |
| Core capital (leverage) ratio | 9.3667% | 4,404 |
| Tier 1 risk-based capital ratio | 11.6893% | 5,113 |
| Total risk-based capital ratio | 12.4003% | 5,333 |
| Memoranda: | ||
| Average total assets | $2,232,250,000 | 366 |
| Average earning assets | $2,143,896,000 | 351 |
| Average equity | $207,754,500 | 413 |
| Average total loans | $1,375,764,000 | 398 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1004% | 2,918 |
| Cost of funding earning assets | 0.5553% | 1,717 |
| Net interest margin | 3.5452% | 3,351 |
| Noninterest income to average assets | 0.6830% | 2,278 |
| Noninterest expense to average assets | 2.2937% | 4,812 |
| Loan and lease loss provision to assets | 0.2858% | 622 |
| Net operating income to assets | 0.9448% | 2,640 |
| Return on assets (ROA) | 0.9751% | 2,568 |
| Pretax return on assets | 1.5268% | 1,473 |
| Return on Equity (ROE) | 10.4339% | 1,833 |
| Retained earnings to average equity (ytd only) | 10.3427% | 414 |
| Net charge-offs to loans | 0.0120% | 4,063 |
| Credit loss provision to net charge-offs | 4,089.4309% | 90 |
| Earnings coverage of net charge-offs (x) | 252.5854% | 282 |
| Efficiency ratio | 55.5924% | 5,388 |
| Assets per employee ($millions) | 9.7563% | 294 |
| Cash dividends to net income (ytd only)* | 0.8741% | 4,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8792% | 5,158 |
| Loan loss allowance to noncurrent loans | 352.6172% | 1,416 |
| Noncurrent assets plus other real estate owned to assets | 0.1609% | 4,961 |
| Noncurrent loans to loans | 0.2493% | 4,538 |
| Net loans and leases to total assets | 60.3132% | 3,792 |
| Net loans and leases to deposits | 71.9357% | 3,728 |
| Net loans and leases to core deposits | 124.2442% | 374 |
| Total domestic deposits to total assets | 83.8431% | 3,549 |
| Equity capital to assets | 8.6026% | 5,466 |
| Core capital (leverage) ratio | 8.3638% | 5,561 |
| Tier 1 risk-based capital ratio | 10.3638% | 5,837 |
| Total risk-based capital ratio | 11.0612% | 5,959 |
| Memoranda: | ||
| Average total assets | $1,759,965,400 | 415 |
| Average earning assets | $1,675,975,400 | 400 |
| Average equity | $164,473,600 | 482 |
| Average total loans | $1,027,615,800 | 472 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1131% | 2,889 |
| Cost of funding earning assets | 0.5429% | 1,863 |
| Net interest margin | 3.5702% | 3,270 |
| Noninterest income to average assets | 0.7846% | 1,855 |
| Noninterest expense to average assets | 2.4497% | 4,350 |
| Loan and lease loss provision to assets | 0.2536% | 671 |
| Net operating income to assets | 0.9401% | 2,761 |
| Return on assets (ROA) | 0.9674% | 2,719 |
| Pretax return on assets | 1.5180% | 1,635 |
| Return on Equity (ROE) | 10.0896% | 2,072 |
| Retained earnings to average equity (ytd only) | 10.0057% | 633 |
| Net charge-offs to loans | 0.0124% | 3,738 |
| Credit loss provision to net charge-offs | 3,543.8202% | 107 |
| Earnings coverage of net charge-offs (x) | 241.6592% | 295 |
| Efficiency ratio | 57.6637% | 5,161 |
| Assets per employee ($millions) | 9.1433% | 356 |
| Cash dividends to net income (ytd only)* | 0.8310% | 3,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8559% | 5,347 |
| Loan loss allowance to noncurrent loans | 1,166.9461% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 5,568 |
| Noncurrent loans to loans | 0.0733% | 5,336 |
| Net loans and leases to total assets | 56.3700% | 4,311 |
| Net loans and leases to deposits | 65.7289% | 4,406 |
| Net loans and leases to core deposits | 117.9507% | 534 |
| Total domestic deposits to total assets | 85.7613% | 2,662 |
| Equity capital to assets | 9.2367% | 5,072 |
| Core capital (leverage) ratio | 8.7632% | 5,283 |
| Tier 1 risk-based capital ratio | 11.3352% | 5,471 |
| Total risk-based capital ratio | 12.0001% | 5,716 |
| Memoranda: | ||
| Average total assets | $1,658,483,750 | 442 |
| Average earning assets | $1,576,708,750 | 421 |
| Average equity | $159,011,500 | 493 |
| Average total loans | $955,043,500 | 498 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0126% | 3,234 |
| Cost of funding earning assets | 0.5271% | 2,010 |
| Net interest margin | 3.4855% | 3,558 |
| Noninterest income to average assets | 0.7756% | 1,895 |
| Noninterest expense to average assets | 2.5848% | 3,959 |
| Loan and lease loss provision to assets | 0.1853% | 1,091 |
| Net operating income to assets | 0.8235% | 3,257 |
| Return on assets (ROA) | 0.8669% | 3,152 |
| Pretax return on assets | 1.3749% | 2,085 |
| Return on Equity (ROE) | 8.9011% | 2,602 |
| Retained earnings to average equity (ytd only) | 8.8346% | 980 |
| Net charge-offs to loans | 0.0210% | 3,255 |
| Credit loss provision to net charge-offs | 1,521.2766% | 231 |
| Earnings coverage of net charge-offs (x) | 122.5426% | 513 |
| Efficiency ratio | 62.3221% | 4,631 |
| Assets per employee ($millions) | 8.1037% | 504 |
| Cash dividends to net income (ytd only)* | 0.7472% | 3,634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8188% | 5,550 |
| Loan loss allowance to noncurrent loans | 846.4625% | 649 |
| Noncurrent assets plus other real estate owned to assets | 0.0653% | 5,606 |
| Noncurrent loans to loans | 0.0967% | 5,355 |
| Net loans and leases to total assets | 54.9647% | 4,462 |
| Net loans and leases to deposits | 64.5376% | 4,485 |
| Net loans and leases to core deposits | 83.0050% | 3,081 |
| Total domestic deposits to total assets | 85.1670% | 3,052 |
| Equity capital to assets | 9.3201% | 4,875 |
| Core capital (leverage) ratio | 9.5889% | 4,149 |
| Tier 1 risk-based capital ratio | 12.0991% | 5,079 |
| Total risk-based capital ratio | 12.7434% | 5,388 |
| Memoranda: | ||
| Average total assets | $1,543,848,000 | 466 |
| Average earning assets | $1,462,339,330 | 451 |
| Average equity | $150,364,000 | 511 |
| Average total loans | $893,894,000 | 527 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1153% | 2,772 |
| Cost of funding earning assets | 0.5228% | 2,081 |
| Net interest margin | 3.5925% | 3,036 |
| Noninterest income to average assets | 0.8832% | 1,441 |
| Noninterest expense to average assets | 2.7329% | 3,475 |
| Loan and lease loss provision to assets | 0.1745% | 1,117 |
| Net operating income to assets | 0.8356% | 3,080 |
| Return on assets (ROA) | 0.9098% | 2,823 |
| Pretax return on assets | 1.4864% | 1,608 |
| Return on Equity (ROE) | 9.0993% | 2,403 |
| Retained earnings to average equity (ytd only) | 9.0294% | 1,180 |
| Net charge-offs to loans | -0.0014% | 4,337 |
| Credit loss provision to net charge-offs | -20,833.3333% | 5,339 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7611% | 4,659 |
| Assets per employee ($millions) | 7.2914% | 742 |
| Cash dividends to net income (ytd only)* | 0.7673% | 2,865 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8147% | 5,662 |
| Loan loss allowance to noncurrent loans | 615.6698% | 824 |
| Noncurrent assets plus other real estate owned to assets | 0.1087% | 5,521 |
| Noncurrent loans to loans | 0.1323% | 5,306 |
| Net loans and leases to total assets | 58.9468% | 3,804 |
| Net loans and leases to deposits | 69.2480% | 3,834 |
| Net loans and leases to core deposits | 85.0027% | 2,658 |
| Total domestic deposits to total assets | 85.1241% | 3,345 |
| Equity capital to assets | 10.9511% | 3,027 |
| Core capital (leverage) ratio | 10.4756% | 2,997 |
| Tier 1 risk-based capital ratio | 13.7050% | 4,217 |
| Total risk-based capital ratio | 14.3917% | 4,447 |
| Memoranda: | ||
| Average total assets | $1,432,464,000 | 500 |
| Average earning assets | $1,353,579,000 | 481 |
| Average equity | $143,220,500 | 531 |
| Average total loans | $851,325,000 | 549 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4593% | 2,035 |
| Cost of funding earning assets | 0.5893% | 1,862 |
| Net interest margin | 3.8700% | 2,361 |
| Noninterest income to average assets | 0.8746% | 1,587 |
| Noninterest expense to average assets | 2.8847% | 3,193 |
| Loan and lease loss provision to assets | 0.2315% | 1,049 |
| Net operating income to assets | 0.9055% | 2,844 |
| Return on assets (ROA) | 0.9216% | 2,866 |
| Pretax return on assets | 1.4595% | 1,696 |
| Return on Equity (ROE) | 10.6977% | 1,818 |
| Retained earnings to average equity (ytd only) | 10.0468% | 510 |
| Net charge-offs to loans | 0.1008% | 3,066 |
| Credit loss provision to net charge-offs | 399.6633% | 655 |
| Earnings coverage of net charge-offs (x) | 28.7559% | 1,387 |
| Efficiency ratio | 62.6205% | 4,807 |
| Assets per employee ($millions) | 6.2760% | 1,201 |
| Cash dividends to net income (ytd only)* | 6.0840% | 4,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8291% | 5,695 |
| Loan loss allowance to noncurrent loans | 272.3196% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 5,088 |
| Noncurrent loans to loans | 0.3045% | 4,753 |
| Net loans and leases to total assets | 58.9379% | 3,924 |
| Net loans and leases to deposits | 68.1291% | 4,116 |
| Net loans and leases to core deposits | 80.0113% | 3,296 |
| Total domestic deposits to total assets | 86.5091% | 2,567 |
| Equity capital to assets | 8.9372% | 5,353 |
| Core capital (leverage) ratio | 8.5244% | 5,536 |
| Tier 1 risk-based capital ratio | 11.5143% | 5,653 |
| Total risk-based capital ratio | 12.2321% | 5,848 |
| Memoranda: | ||
| Average total assets | $1,025,446,400 | 658 |
| Average earning assets | $973,979,800 | 627 |
| Average equity | $88,346,400 | 833 |
| Average total loans | $589,474,800 | 746 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4057% | 2,197 |
| Cost of funding earning assets | 0.6113% | 1,747 |
| Net interest margin | 3.7944% | 2,641 |
| Noninterest income to average assets | 0.9359% | 1,405 |
| Noninterest expense to average assets | 2.8900% | 3,158 |
| Loan and lease loss provision to assets | 0.2105% | 1,099 |
| Net operating income to assets | 0.8960% | 2,929 |
| Return on assets (ROA) | 0.9044% | 2,987 |
| Pretax return on assets | 1.4645% | 1,760 |
| Return on Equity (ROE) | 10.6405% | 1,931 |
| Retained earnings to average equity (ytd only) | 9.7255% | 771 |
| Net charge-offs to loans | 0.1260% | 2,535 |
| Credit loss provision to net charge-offs | 294.2688% | 921 |
| Earnings coverage of net charge-offs (x) | 23.2273% | 1,596 |
| Efficiency ratio | 62.9182% | 4,744 |
| Assets per employee ($millions) | 5.6541% | 1,594 |
| Cash dividends to net income (ytd only)* | 8.5992% | 3,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7897% | 5,896 |
| Loan loss allowance to noncurrent loans | 175.2980% | 2,397 |
| Noncurrent assets plus other real estate owned to assets | 0.4075% | 4,701 |
| Noncurrent loans to loans | 0.4505% | 4,545 |
| Net loans and leases to total assets | 59.6844% | 3,847 |
| Net loans and leases to deposits | 70.2707% | 3,889 |
| Net loans and leases to core deposits | 81.9193% | 3,106 |
| Total domestic deposits to total assets | 84.9350% | 3,363 |
| Equity capital to assets | 9.3502% | 4,977 |
| Core capital (leverage) ratio | 8.7867% | 5,354 |
| Tier 1 risk-based capital ratio | 12.2937% | 5,305 |
| Total risk-based capital ratio | 12.9896% | 5,572 |
| Memoranda: | ||
| Average total assets | $942,905,000 | 713 |
| Average earning assets | $898,567,750 | 680 |
| Average equity | $80,144,500 | 918 |
| Average total loans | $535,431,250 | 824 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2001% | 2,950 |
| Cost of funding earning assets | 0.6313% | 1,637 |
| Net interest margin | 3.5688% | 3,496 |
| Noninterest income to average assets | 0.8237% | 1,753 |
| Noninterest expense to average assets | 2.5252% | 4,498 |
| Loan and lease loss provision to assets | 0.1954% | 1,251 |
| Net operating income to assets | 0.9397% | 2,600 |
| Return on assets (ROA) | 0.9504% | 2,644 |
| Pretax return on assets | 1.5406% | 1,425 |
| Return on Equity (ROE) | 11.7569% | 1,495 |
| Retained earnings to average equity (ytd only) | 11.6837% | 458 |
| Net charge-offs to loans | -0.0198% | 5,539 |
| Credit loss provision to net charge-offs | -1,793.4783% | 5,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4944% | 5,362 |
| Assets per employee ($millions) | 6.9148% | 832 |
| Cash dividends to net income (ytd only)* | 0.6230% | 3,633 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 4,660 |
| Loan loss allowance to noncurrent loans | 347.6506% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.3225% | 5,090 |
| Noncurrent loans to loans | 0.3309% | 5,023 |
| Net loans and leases to total assets | 56.9168% | 4,129 |
| Net loans and leases to deposits | 66.3374% | 4,240 |
| Net loans and leases to core deposits | 77.9795% | 3,440 |
| Total domestic deposits to total assets | 85.7988% | 3,154 |
| Equity capital to assets | 8.3888% | 5,888 |
| Core capital (leverage) ratio | 8.3421% | 5,806 |
| Tier 1 risk-based capital ratio | 12.7867% | 5,045 |
| Total risk-based capital ratio | 13.8020% | 5,121 |
| Memoranda: | ||
| Average total assets | $844,455,670 | 798 |
| Average earning assets | $809,402,000 | 756 |
| Average equity | $68,266,330 | 1,074 |
| Average total loans | $465,599,330 | 949 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1705% | 2,982 |
| Cost of funding earning assets | 0.6050% | 1,934 |
| Net interest margin | 3.5656% | 3,407 |
| Noninterest income to average assets | 0.5983% | 2,745 |
| Noninterest expense to average assets | 2.4085% | 4,904 |
| Loan and lease loss provision to assets | 0.1853% | 1,288 |
| Net operating income to assets | 0.8649% | 2,828 |
| Return on assets (ROA) | 0.8673% | 2,879 |
| Pretax return on assets | 1.4237% | 1,666 |
| Return on Equity (ROE) | 10.9452% | 1,702 |
| Retained earnings to average equity (ytd only) | 10.9452% | 754 |
| Net charge-offs to loans | -0.0170% | 5,274 |
| Credit loss provision to net charge-offs | -2,026.3158% | 5,473 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0072% | 5,409 |
| Assets per employee ($millions) | 7.4665% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1452% | 4,895 |
| Loan loss allowance to noncurrent loans | 203.9216% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 5,259 |
| Noncurrent loans to loans | 0.5616% | 4,477 |
| Net loans and leases to total assets | 52.8608% | 4,556 |
| Net loans and leases to deposits | 61.8807% | 4,561 |
| Net loans and leases to core deposits | 68.0105% | 4,305 |
| Total domestic deposits to total assets | 85.4237% | 3,659 |
| Equity capital to assets | 7.8316% | 6,157 |
| Core capital (leverage) ratio | 8.4076% | 5,741 |
| Tier 1 risk-based capital ratio | 13.1283% | 4,936 |
| Total risk-based capital ratio | 14.1174% | 5,024 |
| Memoranda: | ||
| Average total assets | $831,053,500 | 820 |
| Average earning assets | $796,059,000 | 776 |
| Average equity | $65,855,500 | 1,112 |
| Average total loans | $447,567,000 | 982 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0054% | 4,071 |
| Cost of funding earning assets | 0.6312% | 2,374 |
| Net interest margin | 3.3741% | 4,387 |
| Noninterest income to average assets | 0.8997% | 1,679 |
| Noninterest expense to average assets | 2.7869% | 3,775 |
| Loan and lease loss provision to assets | 0.1391% | 2,568 |
| Net operating income to assets | 0.7560% | 3,513 |
| Return on assets (ROA) | 0.7646% | 3,567 |
| Pretax return on assets | 1.2151% | 2,515 |
| Return on Equity (ROE) | 9.0084% | 2,531 |
| Retained earnings to average equity (ytd only) | 8.9632% | 776 |
| Net charge-offs to loans | -0.0028% | 5,871 |
| Credit loss provision to net charge-offs | -9,070.0000% | 6,406 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5189% | 4,286 |
| Assets per employee ($millions) | 6.9824% | 779 |
| Cash dividends to net income (ytd only)* | 0.5015% | 4,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1343% | 4,974 |
| Loan loss allowance to noncurrent loans | 188.3891% | 2,203 |
| Noncurrent assets plus other real estate owned to assets | 0.3495% | 5,215 |
| Noncurrent loans to loans | 0.6021% | 4,477 |
| Net loans and leases to total assets | 53.6557% | 4,632 |
| Net loans and leases to deposits | 62.6213% | 4,664 |
| Net loans and leases to core deposits | 70.1845% | 4,272 |
| Total domestic deposits to total assets | 85.6828% | 3,409 |
| Equity capital to assets | 8.0253% | 5,999 |
| Core capital (leverage) ratio | 9.6159% | 4,094 |
| Tier 1 risk-based capital ratio | 13.6158% | 4,573 |
| Total risk-based capital ratio | 14.5911% | 4,698 |
| Memoranda: | ||
| Average total assets | $651,969,000 | 1,027 |
| Average earning assets | $623,713,000 | 975 |
| Average equity | $55,337,400 | 1,291 |
| Average total loans | $361,254,200 | 1,183 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9723% | 4,232 |
| Cost of funding earning assets | 0.6550% | 2,320 |
| Net interest margin | 3.3173% | 4,578 |
| Noninterest income to average assets | 1.0470% | 1,332 |
| Noninterest expense to average assets | 2.9575% | 3,119 |
| Loan and lease loss provision to assets | 0.0989% | 3,110 |
| Net operating income to assets | 0.7221% | 3,744 |
| Return on assets (ROA) | 0.7329% | 3,815 |
| Pretax return on assets | 1.1801% | 2,781 |
| Return on Equity (ROE) | 8.4858% | 2,884 |
| Retained earnings to average equity (ytd only) | 8.4858% | 1,225 |
| Net charge-offs to loans | 0.0031% | 5,148 |
| Credit loss provision to net charge-offs | 5,712.5000% | 52 |
| Earnings coverage of net charge-offs (x) | 728.6289% | 73 |
| Efficiency ratio | 70.0882% | 3,747 |
| Assets per employee ($millions) | 5.7854% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1440% | 5,144 |
| Loan loss allowance to noncurrent loans | 169.0958% | 2,304 |
| Noncurrent assets plus other real estate owned to assets | 0.5128% | 4,910 |
| Noncurrent loans to loans | 0.6765% | 4,509 |
| Net loans and leases to total assets | 58.0702% | 4,002 |
| Net loans and leases to deposits | 72.8153% | 3,425 |
| Net loans and leases to core deposits | 80.3164% | 3,096 |
| Total domestic deposits to total assets | 79.7500% | 5,567 |
| Equity capital to assets | 9.3085% | 4,792 |
| Core capital (leverage) ratio | 9.8534% | 3,885 |
| Tier 1 risk-based capital ratio | 14.2661% | 4,241 |
| Total risk-based capital ratio | 15.2729% | 4,366 |
| Memoranda: | ||
| Average total assets | $615,961,750 | 1,092 |
| Average earning assets | $589,097,000 | 1,047 |
| Average equity | $53,201,500 | 1,347 |
| Average total loans | $343,568,250 | 1,239 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9014% | 4,468 |
| Cost of funding earning assets | 0.6747% | 2,266 |
| Net interest margin | 3.2266% | 4,849 |
| Noninterest income to average assets | 1.1456% | 1,162 |
| Noninterest expense to average assets | 2.9726% | 3,086 |
| Loan and lease loss provision to assets | 0.0771% | 3,512 |
| Net operating income to assets | 0.7346% | 3,639 |
| Return on assets (ROA) | 0.7512% | 3,716 |
| Pretax return on assets | 1.2084% | 2,636 |
| Return on Equity (ROE) | 8.9517% | 2,627 |
| Retained earnings to average equity (ytd only) | 8.9517% | 1,136 |
| Net charge-offs to loans | -0.0389% | 6,171 |
| Credit loss provision to net charge-offs | -362.5000% | 5,845 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.2365% | 3,782 |
| Assets per employee ($millions) | 5.9982% | 1,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2329% | 4,822 |
| Loan loss allowance to noncurrent loans | 148.3703% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.7742% | 4,288 |
| Noncurrent loans to loans | 0.8310% | 4,253 |
| Net loans and leases to total assets | 55.4832% | 4,378 |
| Net loans and leases to deposits | 63.9236% | 4,519 |
| Net loans and leases to core deposits | 70.6455% | 4,201 |
| Total domestic deposits to total assets | 86.7961% | 2,943 |
| Equity capital to assets | 8.0629% | 6,157 |
| Core capital (leverage) ratio | 8.4695% | 5,707 |
| Tier 1 risk-based capital ratio | 12.9312% | 5,195 |
| Total risk-based capital ratio | 14.0008% | 5,259 |
| Memoranda: | ||
| Average total assets | $601,435,670 | 1,116 |
| Average earning assets | $575,333,670 | 1,063 |
| Average equity | $50,471,000 | 1,414 |
| Average total loans | $328,948,330 | 1,292 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7955% | 4,836 |
| Cost of funding earning assets | 0.6959% | 2,255 |
| Net interest margin | 3.0996% | 5,263 |
| Noninterest income to average assets | 1.2696% | 949 |
| Noninterest expense to average assets | 3.1650% | 2,465 |
| Loan and lease loss provision to assets | 0.0337% | 4,023 |
| Net operating income to assets | 0.6540% | 3,939 |
| Return on assets (ROA) | 0.6756% | 3,969 |
| Pretax return on assets | 1.0808% | 3,028 |
| Return on Equity (ROE) | 7.8898% | 3,031 |
| Retained earnings to average equity (ytd only) | 7.8898% | 1,786 |
| Net charge-offs to loans | -0.0375% | 5,993 |
| Credit loss provision to net charge-offs | -166.6667% | 5,218 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5434% | 3,170 |
| Assets per employee ($millions) | 5.9697% | 1,273 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 4,943 |
| Loan loss allowance to noncurrent loans | 149.8156% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.7573% | 4,484 |
| Noncurrent loans to loans | 0.8349% | 4,453 |
| Net loans and leases to total assets | 52.6795% | 4,599 |
| Net loans and leases to deposits | 59.7588% | 4,821 |
| Net loans and leases to core deposits | 63.3895% | 4,803 |
| Total domestic deposits to total assets | 88.1534% | 2,225 |
| Equity capital to assets | 8.4214% | 6,081 |
| Core capital (leverage) ratio | 8.5221% | 5,555 |
| Tier 1 risk-based capital ratio | 13.4600% | 4,901 |
| Total risk-based capital ratio | 14.5495% | 4,964 |
| Memoranda: | ||
| Average total assets | $593,244,000 | 1,139 |
| Average earning assets | $569,620,500 | 1,087 |
| Average equity | $50,799,500 | 1,429 |
| Average total loans | $319,890,000 | 1,327 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0060% | 5,280 |
| Cost of funding earning assets | 0.8106% | 2,584 |
| Net interest margin | 3.1953% | 5,581 |
| Noninterest income to average assets | 1.3715% | 829 |
| Noninterest expense to average assets | 3.0541% | 3,080 |
| Loan and lease loss provision to assets | 0.2980% | 2,294 |
| Net operating income to assets | 0.6922% | 3,774 |
| Return on assets (ROA) | 0.8144% | 3,468 |
| Pretax return on assets | 1.2820% | 2,484 |
| Return on Equity (ROE) | 8.8425% | 2,708 |
| Retained earnings to average equity (ytd only) | 8.8425% | 869 |
| Net charge-offs to loans | 0.3502% | 2,883 |
| Credit loss provision to net charge-offs | 158.2822% | 1,696 |
| Earnings coverage of net charge-offs (x) | 7.3783% | 2,619 |
| Efficiency ratio | 68.7348% | 4,012 |
| Assets per employee ($millions) | 5.8936% | 1,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2647% | 4,805 |
| Loan loss allowance to noncurrent loans | 148.7860% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.8252% | 4,415 |
| Noncurrent loans to loans | 0.8500% | 4,484 |
| Net loans and leases to total assets | 53.8392% | 4,637 |
| Net loans and leases to deposits | 60.3274% | 4,993 |
| Net loans and leases to core deposits | 64.2940% | 4,923 |
| Total domestic deposits to total assets | 89.2451% | 1,412 |
| Equity capital to assets | 8.7123% | 5,839 |
| Core capital (leverage) ratio | 9.2705% | 4,471 |
| Tier 1 risk-based capital ratio | 14.2926% | 4,171 |
| Total risk-based capital ratio | 15.4507% | 4,204 |
| Memoranda: | ||
| Average total assets | $519,432,200 | 1,284 |
| Average earning assets | $499,353,600 | 1,219 |
| Average equity | $47,837,200 | 1,458 |
| Average total loans | $279,236,000 | 1,489 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0389% | 5,402 |
| Cost of funding earning assets | 0.8359% | 2,661 |
| Net interest margin | 3.2029% | 5,693 |
| Noninterest income to average assets | 1.1817% | 1,087 |
| Noninterest expense to average assets | 2.9666% | 3,348 |
| Loan and lease loss provision to assets | 0.3475% | 1,882 |
| Net operating income to assets | 0.5723% | 4,510 |
| Return on assets (ROA) | 0.7072% | 4,121 |
| Pretax return on assets | 1.1603% | 3,127 |
| Return on Equity (ROE) | 7.5621% | 3,497 |
| Retained earnings to average equity (ytd only) | 7.5621% | 1,815 |
| Net charge-offs to loans | 0.4992% | 2,122 |
| Credit loss provision to net charge-offs | 130.0395% | 2,220 |
| Earnings coverage of net charge-offs (x) | 4.8538% | 3,184 |
| Efficiency ratio | 69.5776% | 3,772 |
| Assets per employee ($millions) | 5.2661% | 1,864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2247% | 5,168 |
| Loan loss allowance to noncurrent loans | 115.7583% | 2,862 |
| Noncurrent assets plus other real estate owned to assets | 1.0609% | 4,166 |
| Noncurrent loans to loans | 1.0580% | 4,323 |
| Net loans and leases to total assets | 58.0909% | 4,120 |
| Net loans and leases to deposits | 67.6962% | 4,231 |
| Net loans and leases to core deposits | 77.4668% | 3,539 |
| Total domestic deposits to total assets | 85.8112% | 3,356 |
| Equity capital to assets | 9.4441% | 5,270 |
| Core capital (leverage) ratio | 8.9313% | 5,151 |
| Tier 1 risk-based capital ratio | 14.1540% | 4,414 |
| Total risk-based capital ratio | 15.2843% | 4,456 |
| Memoranda: | ||
| Average total assets | $504,896,000 | 1,340 |
| Average earning assets | $485,833,250 | 1,271 |
| Average equity | $47,216,500 | 1,492 |
| Average total loans | $270,308,500 | 1,549 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0362% | 5,527 |
| Cost of funding earning assets | 0.8425% | 2,859 |
| Net interest margin | 3.1937% | 5,761 |
| Noninterest income to average assets | 1.0499% | 1,317 |
| Noninterest expense to average assets | 2.8693% | 3,748 |
| Loan and lease loss provision to assets | 0.4027% | 1,630 |
| Net operating income to assets | 0.5200% | 4,722 |
| Return on assets (ROA) | 0.6377% | 4,430 |
| Pretax return on assets | 1.0360% | 3,577 |
| Return on Equity (ROE) | 6.8424% | 3,860 |
| Retained earnings to average equity (ytd only) | 6.8424% | 2,191 |
| Net charge-offs to loans | 0.7977% | 1,381 |
| Credit loss provision to net charge-offs | 97.5822% | 2,839 |
| Earnings coverage of net charge-offs (x) | 3.0406% | 3,531 |
| Efficiency ratio | 69.5762% | 3,835 |
| Assets per employee ($millions) | 5.5729% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2000% | 5,349 |
| Loan loss allowance to noncurrent loans | 115.7895% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 0.9473% | 4,472 |
| Noncurrent loans to loans | 1.0364% | 4,440 |
| Net loans and leases to total assets | 52.6889% | 5,009 |
| Net loans and leases to deposits | 59.6007% | 5,276 |
| Net loans and leases to core deposits | 63.2013% | 5,283 |
| Total domestic deposits to total assets | 88.4031% | 1,883 |
| Equity capital to assets | 8.8849% | 5,824 |
| Core capital (leverage) ratio | 8.8119% | 5,201 |
| Tier 1 risk-based capital ratio | 14.3897% | 4,182 |
| Total risk-based capital ratio | 15.4722% | 4,255 |
| Memoranda: | ||
| Average total assets | $501,169,000 | 1,349 |
| Average earning assets | $482,388,670 | 1,283 |
| Average equity | $46,709,000 | 1,496 |
| Average total loans | $259,241,000 | 1,607 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1046% | 5,438 |
| Cost of funding earning assets | 0.8600% | 2,994 |
| Net interest margin | 3.2445% | 5,644 |
| Noninterest income to average assets | 0.8919% | 1,782 |
| Noninterest expense to average assets | 2.8564% | 3,797 |
| Loan and lease loss provision to assets | 0.3367% | 1,860 |
| Net operating income to assets | 0.4937% | 4,854 |
| Return on assets (ROA) | 0.5889% | 4,613 |
| Pretax return on assets | 0.9675% | 3,803 |
| Return on Equity (ROE) | 6.1619% | 4,207 |
| Retained earnings to average equity (ytd only) | 6.1619% | 2,861 |
| Net charge-offs to loans | 0.4812% | 1,888 |
| Credit loss provision to net charge-offs | 137.5839% | 1,787 |
| Earnings coverage of net charge-offs (x) | 4.7215% | 2,511 |
| Efficiency ratio | 71.1975% | 3,587 |
| Assets per employee ($millions) | 5.9149% | 1,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3548% | 4,785 |
| Loan loss allowance to noncurrent loans | 102.6201% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 1.1107% | 4,273 |
| Noncurrent loans to loans | 1.3202% | 4,134 |
| Net loans and leases to total assets | 50.4564% | 5,241 |
| Net loans and leases to deposits | 56.8030% | 5,513 |
| Net loans and leases to core deposits | 59.9916% | 5,530 |
| Total domestic deposits to total assets | 88.8270% | 1,800 |
| Equity capital to assets | 9.2301% | 5,188 |
| Core capital (leverage) ratio | 9.0230% | 4,807 |
| Tier 1 risk-based capital ratio | 14.9835% | 3,773 |
| Total risk-based capital ratio | 16.1728% | 3,774 |
| Memoranda: | ||
| Average total assets | $487,041,000 | 1,384 |
| Average earning assets | $468,358,000 | 1,328 |
| Average equity | $46,544,000 | 1,497 |
| Average total loans | $247,693,500 | 1,677 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3876% | 5,475 |
| Cost of funding earning assets | 1.0779% | 2,817 |
| Net interest margin | 3.3097% | 5,780 |
| Noninterest income to average assets | 0.8354% | 1,907 |
| Noninterest expense to average assets | 3.2811% | 2,588 |
| Loan and lease loss provision to assets | 0.1771% | 4,420 |
| Net operating income to assets | 0.5403% | 4,271 |
| Return on assets (ROA) | 0.7153% | 3,590 |
| Pretax return on assets | 0.7153% | 4,264 |
| Return on Equity (ROE) | 7.2526% | 3,279 |
| Retained earnings to average equity (ytd only) | 7.2526% | 1,381 |
| Net charge-offs to loans | 0.2102% | 4,474 |
| Credit loss provision to net charge-offs | 152.8090% | 1,841 |
| Earnings coverage of net charge-offs (x) | 6.1910% | 2,570 |
| Efficiency ratio | 82.0580% | 2,011 |
| Assets per employee ($millions) | 5.9667% | 1,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4511% | 4,230 |
| Loan loss allowance to noncurrent loans | 99.4754% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 0.8971% | 4,817 |
| Noncurrent loans to loans | 1.4588% | 3,974 |
| Net loans and leases to total assets | 49.8037% | 5,610 |
| Net loans and leases to deposits | 56.8830% | 5,808 |
| Net loans and leases to core deposits | 60.7531% | 5,773 |
| Total domestic deposits to total assets | 87.5546% | 2,440 |
| Equity capital to assets | 9.9132% | 4,282 |
| Core capital (leverage) ratio | 10.8271% | 2,412 |
| Tier 1 risk-based capital ratio | 16.3348% | 2,894 |
| Total risk-based capital ratio | 17.5853% | 2,860 |
| Memoranda: | ||
| Average total assets | $384,014,200 | 1,684 |
| Average earning assets | $367,010,600 | 1,609 |
| Average equity | $37,876,000 | 1,779 |
| Average total loans | $211,747,800 | 1,941 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4833% | 5,301 |
| Cost of funding earning assets | 1.1610% | 2,561 |
| Net interest margin | 3.3223% | 5,797 |
| Noninterest income to average assets | 0.7890% | 2,107 |
| Noninterest expense to average assets | 3.4151% | 2,152 |
| Loan and lease loss provision to assets | 0.1906% | 4,117 |
| Net operating income to assets | 0.3549% | 5,187 |
| Return on assets (ROA) | 0.6013% | 4,261 |
| Pretax return on assets | 0.6013% | 4,810 |
| Return on Equity (ROE) | 6.1060% | 3,979 |
| Retained earnings to average equity (ytd only) | 6.1060% | 2,493 |
| Net charge-offs to loans | 0.2707% | 3,746 |
| Credit loss provision to net charge-offs | 124.4019% | 2,586 |
| Earnings coverage of net charge-offs (x) | 3.5598% | 3,393 |
| Efficiency ratio | 86.2260% | 1,512 |
| Assets per employee ($millions) | 4.8792% | 2,356 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4783% | 4,215 |
| Loan loss allowance to noncurrent loans | 77.2856% | 3,667 |
| Noncurrent assets plus other real estate owned to assets | 1.4449% | 3,956 |
| Noncurrent loans to loans | 1.9128% | 3,482 |
| Net loans and leases to total assets | 58.9474% | 4,333 |
| Net loans and leases to deposits | 69.9206% | 4,316 |
| Net loans and leases to core deposits | 79.0698% | 3,761 |
| Total domestic deposits to total assets | 84.3062% | 4,097 |
| Equity capital to assets | 12.0748% | 2,194 |
| Core capital (leverage) ratio | 11.8436% | 1,799 |
| Tier 1 risk-based capital ratio | 17.7866% | 2,336 |
| Total risk-based capital ratio | 19.0382% | 2,305 |
| Memoranda: | ||
| Average total assets | $363,667,500 | 1,793 |
| Average earning assets | $347,178,000 | 1,718 |
| Average equity | $35,811,000 | 1,890 |
| Average total loans | $205,884,750 | 2,012 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 5,652 |
| Cost of funding earning assets | 1.2054% | 2,540 |
| Net interest margin | 3.2048% | 6,149 |
| Noninterest income to average assets | 0.6029% | 3,120 |
| Noninterest expense to average assets | 3.3082% | 2,528 |
| Loan and lease loss provision to assets | 0.0437% | 5,767 |
| Net operating income to assets | 0.3166% | 5,301 |
| Return on assets (ROA) | 0.5038% | 4,625 |
| Pretax return on assets | 0.5038% | 5,061 |
| Return on Equity (ROE) | 5.5449% | 4,188 |
| Retained earnings to average equity (ytd only) | 5.5449% | 2,669 |
| Net charge-offs to loans | 0.0987% | 4,693 |
| Credit loss provision to net charge-offs | 79.7980% | 3,779 |
| Earnings coverage of net charge-offs (x) | 6.5758% | 2,371 |
| Efficiency ratio | 90.1766% | 1,228 |
| Assets per employee ($millions) | 5.1715% | 1,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5321% | 3,976 |
| Loan loss allowance to noncurrent loans | 54.3265% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 1.8138% | 3,487 |
| Noncurrent loans to loans | 2.8201% | 2,578 |
| Net loans and leases to total assets | 55.2786% | 5,107 |
| Net loans and leases to deposits | 62.0253% | 5,500 |
| Net loans and leases to core deposits | 68.9016% | 5,199 |
| Total domestic deposits to total assets | 89.1227% | 1,465 |
| Equity capital to assets | 9.3075% | 5,127 |
| Core capital (leverage) ratio | 9.0105% | 4,705 |
| Tier 1 risk-based capital ratio | 14.9414% | 3,523 |
| Total risk-based capital ratio | 16.1939% | 3,496 |
| Memoranda: | ||
| Average total assets | $361,282,670 | 1,815 |
| Average earning assets | $345,611,670 | 1,730 |
| Average equity | $32,822,670 | 2,011 |
| Average total loans | $200,556,330 | 2,078 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2597% | 6,126 |
| Cost of funding earning assets | 1.2496% | 2,506 |
| Net interest margin | 3.0101% | 6,551 |
| Noninterest income to average assets | 0.5581% | 3,448 |
| Noninterest expense to average assets | 3.3131% | 2,518 |
| Loan and lease loss provision to assets | 0.0279% | 5,614 |
| Net operating income to assets | 0.0915% | 6,117 |
| Return on assets (ROA) | 0.3260% | 5,365 |
| Pretax return on assets | 0.3260% | 5,579 |
| Return on Equity (ROE) | 3.6334% | 5,080 |
| Retained earnings to average equity (ytd only) | 3.6334% | 3,999 |
| Net charge-offs to loans | 0.2002% | 3,306 |
| Credit loss provision to net charge-offs | 25.2525% | 4,194 |
| Earnings coverage of net charge-offs (x) | 1.0808% | 3,858 |
| Efficiency ratio | 96.5203% | 894 |
| Assets per employee ($millions) | 5.0940% | 2,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5685% | 3,876 |
| Loan loss allowance to noncurrent loans | 83.6658% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 1.6125% | 3,827 |
| Noncurrent loans to loans | 1.8748% | 3,726 |
| Net loans and leases to total assets | 53.1090% | 5,434 |
| Net loans and leases to deposits | 59.3078% | 5,792 |
| Net loans and leases to core deposits | 69.2074% | 5,141 |
| Total domestic deposits to total assets | 89.5482% | 1,453 |
| Equity capital to assets | 8.7633% | 5,553 |
| Core capital (leverage) ratio | 8.8318% | 4,880 |
| Tier 1 risk-based capital ratio | 15.0498% | 3,397 |
| Total risk-based capital ratio | 16.3024% | 3,358 |
| Memoranda: | ||
| Average total assets | $358,335,000 | 1,835 |
| Average earning assets | $342,184,500 | 1,762 |
| Average equity | $32,146,500 | 2,037 |
| Average total loans | $197,770,000 | 2,127 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5235% | 6,330 |
| Cost of funding earning assets | 1.4219% | 3,127 |
| Net interest margin | 3.1016% | 6,516 |
| Noninterest income to average assets | 1.2050% | 1,030 |
| Noninterest expense to average assets | 3.6912% | 1,719 |
| Loan and lease loss provision to assets | 0.4202% | 3,589 |
| Net operating income to assets | 0.0470% | 5,708 |
| Return on assets (ROA) | 0.4146% | 4,618 |
| Pretax return on assets | 0.4146% | 4,901 |
| Return on Equity (ROE) | 4.0066% | 4,523 |
| Retained earnings to average equity (ytd only) | 4.0066% | 3,061 |
| Net charge-offs to loans | 0.1542% | 5,425 |
| Credit loss provision to net charge-offs | 453.2143% | 507 |
| Earnings coverage of net charge-offs (x) | 5.0393% | 2,724 |
| Efficiency ratio | 88.7641% | 1,415 |
| Assets per employee ($millions) | 4.8598% | 2,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6079% | 3,541 |
| Loan loss allowance to noncurrent loans | 115.1449% | 2,527 |
| Noncurrent assets plus other real estate owned to assets | 1.4130% | 4,228 |
| Noncurrent loans to loans | 1.3964% | 4,389 |
| Net loans and leases to total assets | 55.5787% | 5,402 |
| Net loans and leases to deposits | 63.2947% | 5,709 |
| Net loans and leases to core deposits | 79.2730% | 4,308 |
| Total domestic deposits to total assets | 87.8094% | 2,361 |
| Equity capital to assets | 9.1889% | 4,858 |
| Core capital (leverage) ratio | 10.0640% | 3,014 |
| Tier 1 risk-based capital ratio | 15.3062% | 3,097 |
| Total risk-based capital ratio | 16.5596% | 3,053 |
| Memoranda: | ||
| Average total assets | $301,988,600 | 2,142 |
| Average earning assets | $287,563,200 | 2,065 |
| Average equity | $31,248,200 | 2,098 |
| Average total loans | $181,606,400 | 2,334 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6940% | 6,043 |
| Cost of funding earning assets | 1.4719% | 3,133 |
| Net interest margin | 3.2221% | 6,268 |
| Noninterest income to average assets | 1.2344% | 902 |
| Noninterest expense to average assets | 3.7179% | 1,532 |
| Loan and lease loss provision to assets | 0.5476% | 2,755 |
| Net operating income to assets | 0.0354% | 5,912 |
| Return on assets (ROA) | 0.5273% | 4,370 |
| Pretax return on assets | 0.5273% | 4,828 |
| Return on Equity (ROE) | 4.9297% | 4,323 |
| Retained earnings to average equity (ytd only) | 4.9297% | 3,041 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4458% | 1,584 |
| Assets per employee ($millions) | 4.2577% | 3,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7890% | 2,820 |
| Loan loss allowance to noncurrent loans | 105.8566% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 1.8041% | 3,743 |
| Noncurrent loans to loans | 1.6900% | 4,104 |
| Net loans and leases to total assets | 62.2579% | 4,472 |
| Net loans and leases to deposits | 72.2545% | 4,802 |
| Net loans and leases to core deposits | 101.0813% | 1,739 |
| Total domestic deposits to total assets | 86.1647% | 2,999 |
| Equity capital to assets | 10.7559% | 3,218 |
| Core capital (leverage) ratio | 10.6716% | 2,532 |
| Tier 1 risk-based capital ratio | 16.4313% | 2,585 |
| Total risk-based capital ratio | 17.6879% | 2,537 |
| Memoranda: | ||
| Average total assets | $290,010,250 | 2,243 |
| Average earning assets | $276,006,000 | 2,177 |
| Average equity | $31,022,250 | 2,131 |
| Average total loans | $177,595,750 | 2,414 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7744% | 5,880 |
| Cost of funding earning assets | 1.4777% | 3,381 |
| Net interest margin | 3.2967% | 6,028 |
| Noninterest income to average assets | 1.0601% | 1,193 |
| Noninterest expense to average assets | 3.5910% | 1,803 |
| Loan and lease loss provision to assets | 0.5158% | 2,735 |
| Net operating income to assets | 0.0933% | 5,880 |
| Return on assets (ROA) | 0.5255% | 4,372 |
| Pretax return on assets | 0.5255% | 4,828 |
| Return on Equity (ROE) | 4.9222% | 4,323 |
| Retained earnings to average equity (ytd only) | 4.9222% | 2,948 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4988% | 1,772 |
| Assets per employee ($millions) | 4.4125% | 3,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5889% | 3,498 |
| Loan loss allowance to noncurrent loans | 70.7217% | 3,809 |
| Noncurrent assets plus other real estate owned to assets | 1.8501% | 3,691 |
| Noncurrent loans to loans | 2.2466% | 3,431 |
| Net loans and leases to total assets | 59.6055% | 5,140 |
| Net loans and leases to deposits | 69.4302% | 5,360 |
| Net loans and leases to core deposits | 91.5792% | 3,046 |
| Total domestic deposits to total assets | 85.8496% | 3,177 |
| Equity capital to assets | 10.7687% | 3,107 |
| Core capital (leverage) ratio | 10.5445% | 2,591 |
| Tier 1 risk-based capital ratio | 16.2524% | 2,571 |
| Total risk-based capital ratio | 17.5061% | 2,525 |
| Memoranda: | ||
| Average total assets | $287,333,330 | 2,281 |
| Average earning assets | $273,669,330 | 2,207 |
| Average equity | $30,677,330 | 2,150 |
| Average total loans | $173,816,330 | 2,491 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1457% | 4,318 |
| Cost of funding earning assets | 1.5166% | 3,447 |
| Net interest margin | 3.6291% | 4,583 |
| Noninterest income to average assets | 0.7648% | 2,207 |
| Noninterest expense to average assets | 3.5284% | 1,914 |
| Loan and lease loss provision to assets | 0.8581% | 1,479 |
| Net operating income to assets | -0.1779% | 6,517 |
| Return on assets (ROA) | 0.5682% | 4,185 |
| Pretax return on assets | 0.5682% | 4,727 |
| Return on Equity (ROE) | 5.3473% | 4,182 |
| Retained earnings to average equity (ytd only) | 5.3473% | 2,964 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8391% | 2,039 |
| Assets per employee ($millions) | 4.3158% | 3,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6450% | 3,272 |
| Loan loss allowance to noncurrent loans | 102.1253% | 2,717 |
| Noncurrent assets plus other real estate owned to assets | 1.4935% | 4,267 |
| Noncurrent loans to loans | 1.6108% | 4,329 |
| Net loans and leases to total assets | 58.5004% | 5,348 |
| Net loans and leases to deposits | 67.5856% | 5,639 |
| Net loans and leases to core deposits | 82.3103% | 4,438 |
| Total domestic deposits to total assets | 86.5574% | 2,866 |
| Equity capital to assets | 11.0377% | 2,723 |
| Core capital (leverage) ratio | 10.9257% | 2,276 |
| Tier 1 risk-based capital ratio | 17.1475% | 2,219 |
| Total risk-based capital ratio | 18.4015% | 2,169 |
| Memoranda: | ||
| Average total assets | $278,767,500 | 2,405 |
| Average earning assets | $264,530,500 | 2,316 |
| Average equity | $29,622,500 | 2,238 |
| Average total loans | $168,520,500 | 2,638 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9649% | 6,541 |
| Cost of funding earning assets | 1.7070% | 4,468 |
| Net interest margin | 3.2579% | 5,898 |
| Noninterest income to average assets | 1.2752% | 925 |
| Noninterest expense to average assets | 3.7601% | 1,774 |
| Loan and lease loss provision to assets | 0.6066% | 3,369 |
| Net operating income to assets | 0.0138% | 5,452 |
| Return on assets (ROA) | 0.2078% | 4,939 |
| Pretax return on assets | 0.2078% | 4,986 |
| Return on Equity (ROE) | 1.8696% | 4,954 |
| Retained earnings to average equity (ytd only) | 1.8696% | 3,784 |
| Net charge-offs to loans | 0.2660% | 4,955 |
| Credit loss provision to net charge-offs | 397.4576% | 801 |
| Earnings coverage of net charge-offs (x) | 4.0650% | 3,081 |
| Efficiency ratio | 85.8380% | 2,136 |
| Assets per employee ($millions) | 4.3983% | 3,114 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 4,722 |
| Loan loss allowance to noncurrent loans | 38.9988% | 5,813 |
| Noncurrent assets plus other real estate owned to assets | 2.6451% | 2,656 |
| Noncurrent loans to loans | 3.3486% | 2,277 |
| Net loans and leases to total assets | 60.6658% | 5,242 |
| Net loans and leases to deposits | 72.2291% | 5,297 |
| Net loans and leases to core deposits | 118.2958% | 2,096 |
| Total domestic deposits to total assets | 83.9908% | 4,024 |
| Equity capital to assets | 10.1964% | 3,518 |
| Core capital (leverage) ratio | 10.9770% | 2,237 |
| Tier 1 risk-based capital ratio | 15.2329% | 2,830 |
| Total risk-based capital ratio | 16.4830% | 2,792 |
| Memoranda: | ||
| Average total assets | $231,964,200 | 2,800 |
| Average earning assets | $221,092,000 | 2,690 |
| Average equity | $25,781,000 | 2,545 |
| Average total loans | $133,083,600 | 3,209 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0745% | 6,362 |
| Cost of funding earning assets | 1.7847% | 4,451 |
| Net interest margin | 3.2897% | 5,684 |
| Noninterest income to average assets | 1.4140% | 756 |
| Noninterest expense to average assets | 3.7796% | 1,637 |
| Loan and lease loss provision to assets | 0.6457% | 2,821 |
| Net operating income to assets | 0.1347% | 5,366 |
| Return on assets (ROA) | 0.2194% | 5,173 |
| Pretax return on assets | 0.2194% | 5,254 |
| Return on Equity (ROE) | 1.9254% | 5,193 |
| Retained earnings to average equity (ytd only) | 1.9254% | 4,252 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8873% | 2,445 |
| Assets per employee ($millions) | 3.8932% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4776% | 3,562 |
| Loan loss allowance to noncurrent loans | 41.6588% | 5,545 |
| Noncurrent assets plus other real estate owned to assets | 2.9286% | 2,365 |
| Noncurrent loans to loans | 3.5468% | 2,108 |
| Net loans and leases to total assets | 62.0508% | 5,233 |
| Net loans and leases to deposits | 74.8807% | 5,233 |
| Net loans and leases to core deposits | 116.2484% | 2,596 |
| Total domestic deposits to total assets | 82.8661% | 4,288 |
| Equity capital to assets | 10.8585% | 3,154 |
| Core capital (leverage) ratio | 10.0142% | 3,262 |
| Tier 1 risk-based capital ratio | 15.9235% | 2,657 |
| Total risk-based capital ratio | 17.1762% | 2,592 |
| Memoranda: | ||
| Average total assets | $221,781,750 | 2,936 |
| Average earning assets | $212,088,000 | 2,825 |
| Average equity | $25,275,000 | 2,607 |
| Average total loans | $124,449,250 | 3,419 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1263% | 6,330 |
| Cost of funding earning assets | 1.8108% | 4,706 |
| Net interest margin | 3.3155% | 5,491 |
| Noninterest income to average assets | 1.8213% | 440 |
| Noninterest expense to average assets | 3.8467% | 1,578 |
| Loan and lease loss provision to assets | 0.8663% | 1,945 |
| Net operating income to assets | 0.2789% | 4,984 |
| Return on assets (ROA) | 0.3343% | 4,856 |
| Pretax return on assets | 0.3343% | 5,114 |
| Return on Equity (ROE) | 2.8840% | 4,947 |
| Retained earnings to average equity (ytd only) | 2.8840% | 3,724 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0583% | 3,503 |
| Assets per employee ($millions) | 4.4326% | 2,871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5024% | 3,177 |
| Loan loss allowance to noncurrent loans | 85.6671% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 1.7329% | 3,585 |
| Noncurrent loans to loans | 1.7537% | 3,880 |
| Net loans and leases to total assets | 57.8796% | 5,976 |
| Net loans and leases to deposits | 71.7726% | 5,766 |
| Net loans and leases to core deposits | 107.3763% | 3,679 |
| Total domestic deposits to total assets | 80.6431% | 5,211 |
| Equity capital to assets | 10.6730% | 3,232 |
| Core capital (leverage) ratio | 10.2700% | 3,022 |
| Tier 1 risk-based capital ratio | 16.8456% | 2,346 |
| Total risk-based capital ratio | 18.0979% | 2,299 |
| Memoranda: | ||
| Average total assets | $216,548,000 | 3,025 |
| Average earning assets | $207,087,330 | 2,910 |
| Average equity | $25,104,330 | 2,630 |
| Average total loans | $116,075,670 | 3,623 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1948% | 6,318 |
| Cost of funding earning assets | 1.9334% | 4,471 |
| Net interest margin | 3.2614% | 5,654 |
| Noninterest income to average assets | 2.2840% | 289 |
| Noninterest expense to average assets | 3.8696% | 1,347 |
| Loan and lease loss provision to assets | 1.1497% | 1,137 |
| Net operating income to assets | 0.3723% | 4,968 |
| Return on assets (ROA) | 0.5806% | 4,297 |
| Pretax return on assets | 0.5806% | 4,816 |
| Return on Equity (ROE) | 4.7931% | 4,556 |
| Retained earnings to average equity (ytd only) | 4.7931% | 3,240 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7710% | 4,228 |
| Assets per employee ($millions) | 4.1772% | 3,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4505% | 3,230 |
| Loan loss allowance to noncurrent loans | 68.8394% | 4,140 |
| Noncurrent assets plus other real estate owned to assets | 1.9043% | 3,050 |
| Noncurrent loans to loans | 2.1071% | 3,109 |
| Net loans and leases to total assets | 53.1530% | 6,566 |
| Net loans and leases to deposits | 68.1956% | 6,165 |
| Net loans and leases to core deposits | 98.5066% | 4,695 |
| Total domestic deposits to total assets | 77.9420% | 6,030 |
| Equity capital to assets | 11.7463% | 2,409 |
| Core capital (leverage) ratio | 11.1884% | 2,348 |
| Tier 1 risk-based capital ratio | 19.5068% | 1,719 |
| Total risk-based capital ratio | 20.7669% | 1,663 |
| Memoranda: | ||
| Average total assets | $207,357,500 | 3,149 |
| Average earning assets | $197,584,000 | 3,049 |
| Average equity | $25,119,500 | 2,640 |
| Average total loans | $105,088,500 | 3,902 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5276% | 7,231 |
| Cost of funding earning assets | 2.0968% | 6,067 |
| Net interest margin | 3.4308% | 5,545 |
| Noninterest income to average assets | 0.1523% | 7,330 |
| Noninterest expense to average assets | 4.0105% | 1,406 |
| Loan and lease loss provision to assets | 1.0222% | 1,438 |
| Net operating income to assets | -1.6289% | 7,512 |
| Return on assets (ROA) | -1.5523% | 7,437 |
| Pretax return on assets | -1.5523% | 7,281 |
| Return on Equity (ROE) | -7.9538% | 7,121 |
| Retained earnings to average equity (ytd only) | -7.9538% | 6,883 |
| Net charge-offs to loans | 0.1958% | 4,234 |
| Credit loss provision to net charge-offs | 1,319.3182% | 340 |
| Earnings coverage of net charge-offs (x) | -7.8295% | 6,876 |
| Efficiency ratio | 117.8220% | 597 |
| Assets per employee ($millions) | 4.4960% | 2,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2515% | 4,120 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9052% | 4,581 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 46.3642% | 7,295 |
| Net loans and leases to deposits | 61.1306% | 7,009 |
| Net loans and leases to core deposits | 83.7952% | 6,306 |
| Total domestic deposits to total assets | 75.8444% | 6,283 |
| Equity capital to assets | 12.5353% | 1,992 |
| Core capital (leverage) ratio | 14.3038% | 1,187 |
| Tier 1 risk-based capital ratio | 23.7909% | 1,110 |
| Total risk-based capital ratio | 24.9874% | 1,091 |
| Memoranda: | ||
| Average total assets | $113,576,600 | 4,678 |
| Average earning assets | $107,641,800 | 4,573 |
| Average equity | $22,165,400 | 2,955 |
| Average total loans | $44,948,400 | 5,927 |