Home > Georgetown Bank > Performance and Condition Ratios
Georgetown Bank, Performance and Condition Ratios
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4561% | 1,483 |
| Cost of funding earning assets | 0.8778% | 320 |
| Net interest margin | 3.5783% | 2,971 |
| Noninterest income to average assets | 0.2686% | 4,622 |
| Noninterest expense to average assets | 2.9379% | 2,338 |
| Loan and lease loss provision to assets | 0.0487% | 2,834 |
| Net operating income to assets | 0.4684% | 4,713 |
| Return on assets (ROA) | 0.4684% | 4,736 |
| Pretax return on assets | 0.6882% | 4,485 |
| Return on Equity (ROE) | 4.8689% | 4,448 |
| Retained earnings to average equity (ytd only) | 4.8689% | 2,973 |
| Net charge-offs to loans | 0.0028% | 2,869 |
| Credit loss provision to net charge-offs | 1,950.0000% | 175 |
| Earnings coverage of net charge-offs (x) | 295.0000% | 203 |
| Efficiency ratio | 79.9456% | 1,388 |
| Assets per employee ($millions) | 6.5681% | 1,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9362% | 4,614 |
| Loan loss allowance to noncurrent loans | 284.6983% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 0.2883% | 4,057 |
| Noncurrent loans to loans | 0.3288% | 3,941 |
| Net loans and leases to total assets | 86.8666% | 164 |
| Net loans and leases to deposits | 115.1429% | 135 |
| Net loans and leases to core deposits | 122.6445% | 397 |
| Total domestic deposits to total assets | 75.4424% | 5,295 |
| Equity capital to assets | 9.6584% | 4,114 |
| Core capital (leverage) ratio | 9.6596% | 3,913 |
| Tier 1 risk-based capital ratio | 12.6746% | 4,280 |
| Total risk-based capital ratio | 13.7517% | 4,292 |
| Memoranda: | ||
| Average total assets | $320,233,500 | 2,093 |
| Average earning assets | $304,839,000 | 2,047 |
| Average equity | $30,807,500 | 2,310 |
| Average total loans | $281,228,000 | 1,667 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3849% | 1,867 |
| Cost of funding earning assets | 0.8546% | 378 |
| Net interest margin | 3.5303% | 3,316 |
| Noninterest income to average assets | 0.3248% | 4,416 |
| Noninterest expense to average assets | 3.2264% | 1,731 |
| Loan and lease loss provision to assets | 0.0631% | 3,115 |
| Net operating income to assets | 0.2415% | 5,332 |
| Return on assets (ROA) | 0.2415% | 5,405 |
| Pretax return on assets | 0.3935% | 5,234 |
| Return on Equity (ROE) | 2.4722% | 5,297 |
| Retained earnings to average equity (ytd only) | 2.4722% | 4,112 |
| Net charge-offs to loans | -0.0011% | 4,656 |
| Credit loss provision to net charge-offs | -6,466.6667% | 5,467 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6027% | 707 |
| Assets per employee ($millions) | 6.2457% | 1,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9295% | 4,653 |
| Loan loss allowance to noncurrent loans | 275.6614% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.2967% | 4,086 |
| Noncurrent loans to loans | 0.3372% | 3,931 |
| Net loans and leases to total assets | 87.1633% | 170 |
| Net loans and leases to deposits | 114.3619% | 151 |
| Net loans and leases to core deposits | 123.6514% | 392 |
| Total domestic deposits to total assets | 76.2171% | 5,223 |
| Equity capital to assets | 9.5849% | 4,180 |
| Core capital (leverage) ratio | 9.7018% | 3,857 |
| Tier 1 risk-based capital ratio | 12.4548% | 4,403 |
| Total risk-based capital ratio | 13.5161% | 4,407 |
| Memoranda: | ||
| Average total assets | $307,273,000 | 2,126 |
| Average earning assets | $292,296,800 | 2,084 |
| Average equity | $30,014,200 | 2,347 |
| Average total loans | $267,612,600 | 1,686 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3913% | 1,884 |
| Cost of funding earning assets | 0.8416% | 398 |
| Net interest margin | 3.5497% | 3,272 |
| Noninterest income to average assets | 0.3232% | 4,464 |
| Noninterest expense to average assets | 3.3199% | 1,519 |
| Loan and lease loss provision to assets | 0.0617% | 2,998 |
| Net operating income to assets | 0.1993% | 5,465 |
| Return on assets (ROA) | 0.1993% | 5,529 |
| Pretax return on assets | 0.3179% | 5,435 |
| Return on Equity (ROE) | 2.0299% | 5,467 |
| Retained earnings to average equity (ytd only) | 2.0299% | 4,676 |
| Net charge-offs to loans | -0.0010% | 4,443 |
| Credit loss provision to net charge-offs | -7,050.0000% | 5,431 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7372% | 571 |
| Assets per employee ($millions) | 6.0588% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9291% | 4,757 |
| Loan loss allowance to noncurrent loans | 266.8410% | 1,794 |
| Noncurrent assets plus other real estate owned to assets | 0.3034% | 4,202 |
| Noncurrent loans to loans | 0.3482% | 4,003 |
| Net loans and leases to total assets | 86.3334% | 229 |
| Net loans and leases to deposits | 111.9322% | 226 |
| Net loans and leases to core deposits | 121.1213% | 474 |
| Total domestic deposits to total assets | 77.1301% | 5,060 |
| Equity capital to assets | 9.6464% | 4,518 |
| Core capital (leverage) ratio | 9.8225% | 3,784 |
| Tier 1 risk-based capital ratio | 12.5447% | 4,446 |
| Total risk-based capital ratio | 13.6065% | 4,472 |
| Memoranda: | ||
| Average total assets | $304,458,500 | 2,148 |
| Average earning assets | $289,595,750 | 2,106 |
| Average equity | $29,885,000 | 2,376 |
| Average total loans | $264,454,000 | 1,710 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4416% | 1,704 |
| Cost of funding earning assets | 0.8334% | 408 |
| Net interest margin | 3.6082% | 3,072 |
| Noninterest income to average assets | 0.3303% | 4,416 |
| Noninterest expense to average assets | 3.4367% | 1,300 |
| Loan and lease loss provision to assets | 0.0492% | 3,166 |
| Net operating income to assets | 0.1755% | 5,571 |
| Return on assets (ROA) | 0.1755% | 5,624 |
| Pretax return on assets | 0.2771% | 5,533 |
| Return on Equity (ROE) | 1.7768% | 5,559 |
| Retained earnings to average equity (ytd only) | 1.7768% | 4,667 |
| Net charge-offs to loans | -0.0008% | 4,311 |
| Credit loss provision to net charge-offs | -7,400.0000% | 5,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3282% | 528 |
| Assets per employee ($millions) | 5.5572% | 1,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9481% | 4,761 |
| Loan loss allowance to noncurrent loans | 269.0141% | 1,790 |
| Noncurrent assets plus other real estate owned to assets | 0.3076% | 4,270 |
| Noncurrent loans to loans | 0.3524% | 4,111 |
| Net loans and leases to total assets | 86.4433% | 221 |
| Net loans and leases to deposits | 110.0792% | 248 |
| Net loans and leases to core deposits | 118.4222% | 556 |
| Total domestic deposits to total assets | 78.5282% | 4,892 |
| Equity capital to assets | 10.0304% | 4,189 |
| Core capital (leverage) ratio | 9.9535% | 3,618 |
| Tier 1 risk-based capital ratio | 12.9889% | 4,206 |
| Total risk-based capital ratio | 14.0707% | 4,218 |
| Memoranda: | ||
| Average total assets | $300,924,670 | 2,178 |
| Average earning assets | $286,293,330 | 2,137 |
| Average equity | $29,716,000 | 2,389 |
| Average total loans | $261,087,670 | 1,723 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4201% | 1,744 |
| Cost of funding earning assets | 0.8117% | 465 |
| Net interest margin | 3.6084% | 3,051 |
| Noninterest income to average assets | 0.3199% | 4,440 |
| Noninterest expense to average assets | 3.4578% | 1,264 |
| Loan and lease loss provision to assets | 0.0982% | 2,055 |
| Net operating income to assets | 0.1261% | 5,642 |
| Return on assets (ROA) | 0.1261% | 5,693 |
| Pretax return on assets | 0.1925% | 5,645 |
| Return on Equity (ROE) | 1.2871% | 5,647 |
| Retained earnings to average equity (ytd only) | 1.2871% | 4,741 |
| Net charge-offs to loans | -0.0015% | 4,102 |
| Credit loss provision to net charge-offs | -7,400.0000% | 5,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2450% | 533 |
| Assets per employee ($millions) | 6.1237% | 1,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9370% | 4,919 |
| Loan loss allowance to noncurrent loans | 268.7229% | 1,767 |
| Noncurrent assets plus other real estate owned to assets | 0.3018% | 4,365 |
| Noncurrent loans to loans | 0.3487% | 4,184 |
| Net loans and leases to total assets | 85.7328% | 237 |
| Net loans and leases to deposits | 109.8905% | 234 |
| Net loans and leases to core deposits | 118.0740% | 524 |
| Total domestic deposits to total assets | 78.0166% | 5,146 |
| Equity capital to assets | 9.7030% | 4,444 |
| Core capital (leverage) ratio | 9.7879% | 3,795 |
| Tier 1 risk-based capital ratio | 12.8021% | 4,396 |
| Total risk-based capital ratio | 13.8793% | 4,412 |
| Memoranda: | ||
| Average total assets | $301,343,500 | 2,177 |
| Average earning assets | $286,329,500 | 2,146 |
| Average equity | $29,524,000 | 2,398 |
| Average total loans | $260,687,500 | 1,724 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4853% | 1,643 |
| Cost of funding earning assets | 0.6637% | 997 |
| Net interest margin | 3.8216% | 2,295 |
| Noninterest income to average assets | 0.4000% | 4,035 |
| Noninterest expense to average assets | 3.0611% | 2,346 |
| Loan and lease loss provision to assets | 0.0714% | 2,844 |
| Net operating income to assets | 0.5469% | 4,510 |
| Return on assets (ROA) | 0.5607% | 4,550 |
| Pretax return on assets | 0.9056% | 3,820 |
| Return on Equity (ROE) | 5.5412% | 4,263 |
| Retained earnings to average equity (ytd only) | 5.5412% | 2,057 |
| Net charge-offs to loans | 0.0087% | 4,154 |
| Credit loss provision to net charge-offs | 952.3810% | 362 |
| Earnings coverage of net charge-offs (x) | 127.4286% | 477 |
| Efficiency ratio | 76.2091% | 2,240 |
| Assets per employee ($millions) | 6.1771% | 1,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9392% | 4,921 |
| Loan loss allowance to noncurrent loans | 314.3603% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 0.2583% | 4,558 |
| Noncurrent loans to loans | 0.2988% | 4,386 |
| Net loans and leases to total assets | 85.6598% | 256 |
| Net loans and leases to deposits | 120.5997% | 99 |
| Net loans and leases to core deposits | 127.6072% | 304 |
| Total domestic deposits to total assets | 71.0282% | 5,850 |
| Equity capital to assets | 9.8950% | 4,075 |
| Core capital (leverage) ratio | 9.9687% | 3,552 |
| Tier 1 risk-based capital ratio | 13.2198% | 4,157 |
| Total risk-based capital ratio | 14.3065% | 4,186 |
| Memoranda: | ||
| Average total assets | $280,026,800 | 2,273 |
| Average earning assets | $265,021,200 | 2,233 |
| Average equity | $28,333,000 | 2,435 |
| Average total loans | $241,937,600 | 1,785 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4648% | 1,711 |
| Cost of funding earning assets | 0.6452% | 1,124 |
| Net interest margin | 3.8196% | 2,305 |
| Noninterest income to average assets | 0.4025% | 4,068 |
| Noninterest expense to average assets | 3.1043% | 2,210 |
| Loan and lease loss provision to assets | 0.0667% | 2,850 |
| Net operating income to assets | 0.5233% | 4,709 |
| Return on assets (ROA) | 0.5233% | 4,795 |
| Pretax return on assets | 0.8418% | 4,200 |
| Return on Equity (ROE) | 5.1420% | 4,559 |
| Retained earnings to average equity (ytd only) | 5.1420% | 2,811 |
| Net charge-offs to loans | 0.0117% | 3,763 |
| Credit loss provision to net charge-offs | 657.1429% | 519 |
| Earnings coverage of net charge-offs (x) | 89.5214% | 689 |
| Efficiency ratio | 77.3603% | 2,040 |
| Assets per employee ($millions) | 6.5388% | 1,055 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 5,038 |
| Loan loss allowance to noncurrent loans | 305.0715% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 0.2673% | 4,695 |
| Noncurrent loans to loans | 0.3070% | 4,503 |
| Net loans and leases to total assets | 86.2524% | 214 |
| Net loans and leases to deposits | 125.7894% | 63 |
| Net loans and leases to core deposits | 130.7075% | 264 |
| Total domestic deposits to total assets | 68.5689% | 6,020 |
| Equity capital to assets | 10.0358% | 4,113 |
| Core capital (leverage) ratio | 10.2145% | 3,356 |
| Tier 1 risk-based capital ratio | 13.1466% | 4,347 |
| Total risk-based capital ratio | 14.2214% | 4,367 |
| Memoranda: | ||
| Average total assets | $275,908,000 | 2,319 |
| Average earning assets | $260,788,000 | 2,279 |
| Average equity | $28,081,500 | 2,466 |
| Average total loans | $238,324,250 | 1,815 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4778% | 1,606 |
| Cost of funding earning assets | 0.6427% | 1,144 |
| Net interest margin | 3.8351% | 2,192 |
| Noninterest income to average assets | 0.3390% | 4,528 |
| Noninterest expense to average assets | 3.1775% | 2,041 |
| Loan and lease loss provision to assets | 0.0199% | 3,735 |
| Net operating income to assets | 0.4758% | 4,865 |
| Return on assets (ROA) | 0.4758% | 4,964 |
| Pretax return on assets | 0.7574% | 4,463 |
| Return on Equity (ROE) | 4.6518% | 4,770 |
| Retained earnings to average equity (ytd only) | 4.6518% | 3,079 |
| Net charge-offs to loans | 0.0188% | 3,322 |
| Credit loss provision to net charge-offs | 122.7273% | 1,770 |
| Earnings coverage of net charge-offs (x) | 48.0455% | 983 |
| Efficiency ratio | 80.3459% | 1,706 |
| Assets per employee ($millions) | 5.4382% | 1,803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9520% | 5,089 |
| Loan loss allowance to noncurrent loans | 235.1579% | 1,970 |
| Noncurrent assets plus other real estate owned to assets | 0.3494% | 4,491 |
| Noncurrent loans to loans | 0.4048% | 4,268 |
| Net loans and leases to total assets | 85.4812% | 263 |
| Net loans and leases to deposits | 117.3953% | 132 |
| Net loans and leases to core deposits | 121.1190% | 438 |
| Total domestic deposits to total assets | 72.8148% | 5,887 |
| Equity capital to assets | 10.3612% | 3,601 |
| Core capital (leverage) ratio | 10.4517% | 3,025 |
| Tier 1 risk-based capital ratio | 13.6554% | 4,123 |
| Total risk-based capital ratio | 14.7393% | 4,161 |
| Memoranda: | ||
| Average total assets | $271,974,330 | 2,355 |
| Average earning assets | $256,420,330 | 2,321 |
| Average equity | $27,817,330 | 2,497 |
| Average total loans | $234,265,000 | 1,847 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4562% | 1,592 |
| Cost of funding earning assets | 0.6344% | 1,208 |
| Net interest margin | 3.8218% | 2,161 |
| Noninterest income to average assets | 0.3221% | 4,613 |
| Noninterest expense to average assets | 3.2602% | 1,818 |
| Loan and lease loss provision to assets | 0.0397% | 3,118 |
| Net operating income to assets | 0.3926% | 5,096 |
| Return on assets (ROA) | 0.3926% | 5,211 |
| Pretax return on assets | 0.6279% | 4,841 |
| Return on Equity (ROE) | 3.8640% | 5,035 |
| Retained earnings to average equity (ytd only) | 3.8640% | 3,684 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0026% | 1,493 |
| Assets per employee ($millions) | 6.2044% | 1,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9657% | 5,192 |
| Loan loss allowance to noncurrent loans | 207.5437% | 2,156 |
| Noncurrent assets plus other real estate owned to assets | 0.3982% | 4,435 |
| Noncurrent loans to loans | 0.4653% | 4,184 |
| Net loans and leases to total assets | 84.7498% | 265 |
| Net loans and leases to deposits | 119.6739% | 84 |
| Net loans and leases to core deposits | 123.3898% | 340 |
| Total domestic deposits to total assets | 70.8173% | 6,091 |
| Equity capital to assets | 10.1991% | 3,882 |
| Core capital (leverage) ratio | 10.2127% | 3,325 |
| Tier 1 risk-based capital ratio | 13.4686% | 4,339 |
| Total risk-based capital ratio | 14.5673% | 4,333 |
| Memoranda: | ||
| Average total assets | $272,007,000 | 2,370 |
| Average earning assets | $256,632,000 | 2,336 |
| Average equity | $27,639,500 | 2,529 |
| Average total loans | $234,065,000 | 1,843 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4348% | 2,117 |
| Cost of funding earning assets | 0.5881% | 1,878 |
| Net interest margin | 3.8467% | 2,439 |
| Noninterest income to average assets | 0.3995% | 4,183 |
| Noninterest expense to average assets | 3.0777% | 2,598 |
| Loan and lease loss provision to assets | 0.0367% | 3,846 |
| Net operating income to assets | 0.5787% | 4,465 |
| Return on assets (ROA) | 0.5787% | 4,550 |
| Pretax return on assets | 0.9134% | 3,859 |
| Return on Equity (ROE) | 5.8979% | 4,199 |
| Retained earnings to average equity (ytd only) | 5.8979% | 1,986 |
| Net charge-offs to loans | 0.1149% | 2,885 |
| Credit loss provision to net charge-offs | 36.9811% | 3,732 |
| Earnings coverage of net charge-offs (x) | 9.5849% | 2,729 |
| Efficiency ratio | 76.4116% | 2,450 |
| Assets per employee ($millions) | 6.0227% | 1,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9505% | 5,289 |
| Loan loss allowance to noncurrent loans | 232.9154% | 2,002 |
| Noncurrent assets plus other real estate owned to assets | 0.3531% | 4,644 |
| Noncurrent loans to loans | 0.4081% | 4,417 |
| Net loans and leases to total assets | 85.7070% | 226 |
| Net loans and leases to deposits | 125.0797% | 67 |
| Net loans and leases to core deposits | 129.3134% | 256 |
| Total domestic deposits to total assets | 68.5219% | 6,251 |
| Equity capital to assets | 10.1232% | 3,954 |
| Core capital (leverage) ratio | 10.0758% | 3,467 |
| Tier 1 risk-based capital ratio | 13.2086% | 4,582 |
| Total risk-based capital ratio | 14.2874% | 4,618 |
| Memoranda: | ||
| Average total assets | $267,341,000 | 2,369 |
| Average earning assets | $252,162,600 | 2,328 |
| Average equity | $26,229,800 | 2,553 |
| Average total loans | $230,722,000 | 1,823 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4299% | 2,121 |
| Cost of funding earning assets | 0.5839% | 1,981 |
| Net interest margin | 3.8460% | 2,449 |
| Noninterest income to average assets | 0.3853% | 4,349 |
| Noninterest expense to average assets | 3.1423% | 2,344 |
| Loan and lease loss provision to assets | 0.0005% | 4,400 |
| Net operating income to assets | 0.5455% | 4,692 |
| Return on assets (ROA) | 0.5455% | 4,766 |
| Pretax return on assets | 0.8718% | 4,105 |
| Return on Equity (ROE) | 5.6051% | 4,440 |
| Retained earnings to average equity (ytd only) | 5.6051% | 2,669 |
| Net charge-offs to loans | 0.1514% | 2,279 |
| Credit loss provision to net charge-offs | 0.3831% | 3,800 |
| Earnings coverage of net charge-offs (x) | 6.6782% | 3,045 |
| Efficiency ratio | 78.2723% | 2,144 |
| Assets per employee ($millions) | 5.7388% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9200% | 5,537 |
| Loan loss allowance to noncurrent loans | 206.7764% | 2,094 |
| Noncurrent assets plus other real estate owned to assets | 0.3830% | 4,777 |
| Noncurrent loans to loans | 0.4449% | 4,565 |
| Net loans and leases to total assets | 85.2858% | 240 |
| Net loans and leases to deposits | 123.2411% | 78 |
| Net loans and leases to core deposits | 128.4965% | 251 |
| Total domestic deposits to total assets | 69.2023% | 6,310 |
| Equity capital to assets | 9.9160% | 4,276 |
| Core capital (leverage) ratio | 9.9184% | 3,784 |
| Tier 1 risk-based capital ratio | 13.3804% | 4,617 |
| Total risk-based capital ratio | 14.4488% | 4,667 |
| Memoranda: | ||
| Average total assets | $266,421,250 | 2,404 |
| Average earning assets | $251,407,750 | 2,348 |
| Average equity | $25,928,250 | 2,584 |
| Average total loans | $229,774,500 | 1,834 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4386% | 2,043 |
| Cost of funding earning assets | 0.5768% | 2,102 |
| Net interest margin | 3.8618% | 2,321 |
| Noninterest income to average assets | 0.3942% | 4,282 |
| Noninterest expense to average assets | 3.2135% | 2,147 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5148% | 4,746 |
| Return on assets (ROA) | 0.5148% | 4,843 |
| Pretax return on assets | 0.8194% | 4,201 |
| Return on Equity (ROE) | 5.3244% | 4,519 |
| Retained earnings to average equity (ytd only) | 5.3244% | 2,743 |
| Net charge-offs to loans | 0.1957% | 1,851 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 4.8527% | 3,033 |
| Efficiency ratio | 79.6822% | 2,065 |
| Assets per employee ($millions) | 4.8993% | 2,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9499% | 5,566 |
| Loan loss allowance to noncurrent loans | 633.2362% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.1296% | 5,769 |
| Noncurrent loans to loans | 0.1500% | 5,562 |
| Net loans and leases to total assets | 85.6048% | 205 |
| Net loans and leases to deposits | 123.0721% | 67 |
| Net loans and leases to core deposits | 128.3856% | 246 |
| Total domestic deposits to total assets | 69.5566% | 6,367 |
| Equity capital to assets | 9.9391% | 4,192 |
| Core capital (leverage) ratio | 9.9279% | 3,706 |
| Tier 1 risk-based capital ratio | 13.5195% | 4,561 |
| Total risk-based capital ratio | 14.6376% | 4,609 |
| Memoranda: | ||
| Average total assets | $265,320,000 | 2,405 |
| Average earning assets | $249,987,330 | 2,356 |
| Average equity | $25,655,670 | 2,599 |
| Average total loans | $228,975,000 | 1,835 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4311% | 2,020 |
| Cost of funding earning assets | 0.5565% | 2,377 |
| Net interest margin | 3.8746% | 2,177 |
| Noninterest income to average assets | 0.3643% | 4,477 |
| Noninterest expense to average assets | 3.3120% | 1,920 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4411% | 4,970 |
| Return on assets (ROA) | 0.4411% | 5,031 |
| Pretax return on assets | 0.7000% | 4,489 |
| Return on Equity (ROE) | 4.6258% | 4,728 |
| Retained earnings to average equity (ytd only) | 4.6258% | 3,342 |
| Net charge-offs to loans | 0.3683% | 980 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 2.2038% | 2,929 |
| Efficiency ratio | 82.5516% | 1,860 |
| Assets per employee ($millions) | 4.8782% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9460% | 5,718 |
| Loan loss allowance to noncurrent loans | 295.2703% | 1,506 |
| Noncurrent assets plus other real estate owned to assets | 0.2758% | 5,337 |
| Noncurrent loans to loans | 0.3204% | 5,146 |
| Net loans and leases to total assets | 85.2710% | 174 |
| Net loans and leases to deposits | 123.4470% | 55 |
| Net loans and leases to core deposits | 128.5543% | 202 |
| Total domestic deposits to total assets | 69.0750% | 6,478 |
| Equity capital to assets | 9.5441% | 4,440 |
| Core capital (leverage) ratio | 9.6162% | 4,110 |
| Tier 1 risk-based capital ratio | 13.2344% | 4,872 |
| Total risk-based capital ratio | 14.3543% | 4,884 |
| Memoranda: | ||
| Average total assets | $265,700,000 | 2,412 |
| Average earning assets | $250,142,000 | 2,355 |
| Average equity | $25,336,000 | 2,622 |
| Average total loans | $229,138,500 | 1,830 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4326% | 2,461 |
| Cost of funding earning assets | 0.5551% | 3,069 |
| Net interest margin | 3.8775% | 2,381 |
| Noninterest income to average assets | 0.7176% | 2,447 |
| Noninterest expense to average assets | 3.4935% | 1,671 |
| Loan and lease loss provision to assets | 0.3042% | 1,103 |
| Net operating income to assets | 0.3476% | 5,342 |
| Return on assets (ROA) | 0.3476% | 5,457 |
| Pretax return on assets | 0.5492% | 5,049 |
| Return on Equity (ROE) | 3.2617% | 5,415 |
| Retained earnings to average equity (ytd only) | 3.2617% | 3,909 |
| Net charge-offs to loans | 0.0460% | 4,576 |
| Credit loss provision to net charge-offs | 769.5652% | 319 |
| Earnings coverage of net charge-offs (x) | 21.5870% | 1,485 |
| Efficiency ratio | 80.3677% | 2,094 |
| Assets per employee ($millions) | 4.6158% | 2,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0541% | 5,327 |
| Loan loss allowance to noncurrent loans | 600.5013% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.1517% | 5,863 |
| Noncurrent loans to loans | 0.1755% | 5,677 |
| Net loans and leases to total assets | 85.4861% | 180 |
| Net loans and leases to deposits | 125.0065% | 48 |
| Net loans and leases to core deposits | 130.0850% | 193 |
| Total domestic deposits to total assets | 68.3853% | 6,576 |
| Equity capital to assets | 9.5268% | 4,390 |
| Core capital (leverage) ratio | 9.6604% | 4,043 |
| Tier 1 risk-based capital ratio | 13.0686% | 4,931 |
| Total risk-based capital ratio | 14.2988% | 4,889 |
| Memoranda: | ||
| Average total assets | $232,719,000 | 2,696 |
| Average earning assets | $217,818,200 | 2,648 |
| Average equity | $24,803,200 | 2,646 |
| Average total loans | $200,095,000 | 1,999 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4093% | 2,568 |
| Cost of funding earning assets | 0.5664% | 3,113 |
| Net interest margin | 3.8429% | 2,494 |
| Noninterest income to average assets | 0.7681% | 2,287 |
| Noninterest expense to average assets | 3.5754% | 1,443 |
| Loan and lease loss provision to assets | 0.2410% | 1,492 |
| Net operating income to assets | 0.3453% | 5,452 |
| Return on assets (ROA) | 0.3453% | 5,577 |
| Pretax return on assets | 0.5443% | 5,220 |
| Return on Equity (ROE) | 3.1422% | 5,550 |
| Retained earnings to average equity (ytd only) | 3.1422% | 4,429 |
| Net charge-offs to loans | 0.0628% | 4,009 |
| Credit loss provision to net charge-offs | 447.2527% | 594 |
| Earnings coverage of net charge-offs (x) | 14.5715% | 1,935 |
| Efficiency ratio | 81.9910% | 1,827 |
| Assets per employee ($millions) | 5.0480% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0028% | 5,698 |
| Loan loss allowance to noncurrent loans | 525.3133% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.1694% | 5,930 |
| Noncurrent loans to loans | 0.1909% | 5,764 |
| Net loans and leases to total assets | 83.6515% | 267 |
| Net loans and leases to deposits | 124.1812% | 53 |
| Net loans and leases to core deposits | 129.1787% | 201 |
| Total domestic deposits to total assets | 67.3624% | 6,677 |
| Equity capital to assets | 10.0679% | 3,808 |
| Core capital (leverage) ratio | 10.1613% | 3,458 |
| Tier 1 risk-based capital ratio | 14.3703% | 4,169 |
| Total risk-based capital ratio | 15.5675% | 4,148 |
| Memoranda: | ||
| Average total assets | $225,124,000 | 2,781 |
| Average earning assets | $210,460,500 | 2,735 |
| Average equity | $24,737,750 | 2,671 |
| Average total loans | $193,291,500 | 2,066 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4147% | 2,508 |
| Cost of funding earning assets | 0.5859% | 3,075 |
| Net interest margin | 3.8288% | 2,451 |
| Noninterest income to average assets | 0.9719% | 1,601 |
| Noninterest expense to average assets | 3.8151% | 1,070 |
| Loan and lease loss provision to assets | 0.1497% | 2,458 |
| Net operating income to assets | 0.3638% | 5,348 |
| Return on assets (ROA) | 0.3638% | 5,526 |
| Pretax return on assets | 0.5852% | 5,075 |
| Return on Equity (ROE) | 3.2087% | 5,542 |
| Retained earnings to average equity (ytd only) | 3.2087% | 4,269 |
| Net charge-offs to loans | 0.1234% | 3,143 |
| Credit loss provision to net charge-offs | 140.5172% | 1,613 |
| Earnings coverage of net charge-offs (x) | 6.8966% | 2,630 |
| Efficiency ratio | 83.8482% | 1,645 |
| Assets per employee ($millions) | 4.6983% | 2,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9451% | 6,006 |
| Loan loss allowance to noncurrent loans | 264.7826% | 1,570 |
| Noncurrent assets plus other real estate owned to assets | 0.3084% | 5,553 |
| Noncurrent loans to loans | 0.3569% | 5,389 |
| Net loans and leases to total assets | 83.1753% | 285 |
| Net loans and leases to deposits | 123.1356% | 61 |
| Net loans and leases to core deposits | 129.4068% | 195 |
| Total domestic deposits to total assets | 67.5477% | 6,728 |
| Equity capital to assets | 10.7152% | 3,036 |
| Core capital (leverage) ratio | 10.8074% | 2,551 |
| Tier 1 risk-based capital ratio | 15.7805% | 3,323 |
| Total risk-based capital ratio | 16.9381% | 3,321 |
| Memoranda: | ||
| Average total assets | $217,715,330 | 2,873 |
| Average earning assets | $203,456,000 | 2,831 |
| Average equity | $24,682,670 | 2,700 |
| Average total loans | $188,052,670 | 2,122 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4860% | 2,217 |
| Cost of funding earning assets | 0.6160% | 2,960 |
| Net interest margin | 3.8701% | 2,216 |
| Noninterest income to average assets | 1.1709% | 1,096 |
| Noninterest expense to average assets | 3.9155% | 977 |
| Loan and lease loss provision to assets | 0.1702% | 2,157 |
| Net operating income to assets | 0.4313% | 4,998 |
| Return on assets (ROA) | 0.4313% | 5,154 |
| Pretax return on assets | 0.6980% | 4,592 |
| Return on Equity (ROE) | 3.6938% | 5,242 |
| Retained earnings to average equity (ytd only) | 3.6938% | 4,010 |
| Net charge-offs to loans | 0.2783% | 1,845 |
| Credit loss provision to net charge-offs | 69.7674% | 2,295 |
| Earnings coverage of net charge-offs (x) | 3.5581% | 2,742 |
| Efficiency ratio | 81.8505% | 2,056 |
| Assets per employee ($millions) | 4.3128% | 3,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9367% | 6,167 |
| Loan loss allowance to noncurrent loans | 62.2453% | 4,624 |
| Noncurrent assets plus other real estate owned to assets | 1.4508% | 3,080 |
| Noncurrent loans to loans | 1.5049% | 3,295 |
| Net loans and leases to total assets | 87.1262% | 91 |
| Net loans and leases to deposits | 120.9013% | 61 |
| Net loans and leases to core deposits | 127.2376% | 196 |
| Total domestic deposits to total assets | 72.0639% | 6,653 |
| Equity capital to assets | 11.7466% | 2,219 |
| Core capital (leverage) ratio | 11.6781% | 1,765 |
| Tier 1 risk-based capital ratio | 16.6639% | 2,919 |
| Total risk-based capital ratio | 17.8403% | 2,919 |
| Memoranda: | ||
| Average total assets | $211,465,500 | 2,965 |
| Average earning assets | $197,413,000 | 2,928 |
| Average equity | $24,690,000 | 2,734 |
| Average total loans | $185,424,500 | 2,162 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6569% | 2,771 |
| Cost of funding earning assets | 0.8852% | 2,026 |
| Net interest margin | 3.7717% | 3,355 |
| Noninterest income to average assets | 0.9596% | 1,669 |
| Noninterest expense to average assets | 3.6217% | 1,560 |
| Loan and lease loss provision to assets | 0.0959% | 4,458 |
| Net operating income to assets | 0.4750% | 4,781 |
| Return on assets (ROA) | 0.4750% | 5,034 |
| Pretax return on assets | 0.7568% | 4,454 |
| Return on Equity (ROE) | 4.6332% | 4,867 |
| Retained earnings to average equity (ytd only) | 4.6332% | 2,959 |
| Net charge-offs to loans | 0.1475% | 4,215 |
| Credit loss provision to net charge-offs | 81.9672% | 3,766 |
| Earnings coverage of net charge-offs (x) | 7.2910% | 2,638 |
| Efficiency ratio | 80.9427% | 2,014 |
| Assets per employee ($millions) | 4.0693% | 3,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9622% | 6,089 |
| Loan loss allowance to noncurrent loans | 56.0630% | 4,829 |
| Noncurrent assets plus other real estate owned to assets | 1.5964% | 2,994 |
| Noncurrent loans to loans | 1.7164% | 3,037 |
| Net loans and leases to total assets | 86.5800% | 116 |
| Net loans and leases to deposits | 114.2610% | 109 |
| Net loans and leases to core deposits | 119.9684% | 282 |
| Total domestic deposits to total assets | 75.7739% | 6,383 |
| Equity capital to assets | 11.6048% | 2,340 |
| Core capital (leverage) ratio | 11.5283% | 1,859 |
| Tier 1 risk-based capital ratio | 16.6744% | 2,804 |
| Total risk-based capital ratio | 17.8922% | 2,794 |
| Memoranda: | ||
| Average total assets | $208,631,200 | 2,941 |
| Average earning assets | $194,423,000 | 2,904 |
| Average equity | $21,389,200 | 3,056 |
| Average total loans | $165,463,200 | 2,355 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6566% | 2,983 |
| Cost of funding earning assets | 0.9309% | 1,971 |
| Net interest margin | 3.7257% | 3,676 |
| Noninterest income to average assets | 0.7850% | 2,305 |
| Noninterest expense to average assets | 3.5897% | 1,572 |
| Loan and lease loss provision to assets | 0.1039% | 4,276 |
| Net operating income to assets | 0.3604% | 5,403 |
| Return on assets (ROA) | 0.3604% | 5,606 |
| Pretax return on assets | 0.5618% | 5,271 |
| Return on Equity (ROE) | 3.6379% | 5,438 |
| Retained earnings to average equity (ytd only) | 3.6379% | 4,325 |
| Net charge-offs to loans | 0.1951% | 3,558 |
| Credit loss provision to net charge-offs | 68.9362% | 3,936 |
| Earnings coverage of net charge-offs (x) | 4.4170% | 3,309 |
| Efficiency ratio | 84.3557% | 1,551 |
| Assets per employee ($millions) | 3.8500% | 4,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0528% | 5,878 |
| Loan loss allowance to noncurrent loans | 44.8744% | 5,405 |
| Noncurrent assets plus other real estate owned to assets | 1.9409% | 2,727 |
| Noncurrent loans to loans | 2.3462% | 2,457 |
| Net loans and leases to total assets | 77.7140% | 764 |
| Net loans and leases to deposits | 103.7821% | 286 |
| Net loans and leases to core deposits | 109.2079% | 598 |
| Total domestic deposits to total assets | 74.8819% | 6,531 |
| Equity capital to assets | 11.3737% | 2,878 |
| Core capital (leverage) ratio | 11.2937% | 2,144 |
| Tier 1 risk-based capital ratio | 17.7790% | 2,431 |
| Total risk-based capital ratio | 19.0298% | 2,397 |
| Memoranda: | ||
| Average total assets | $207,888,500 | 2,984 |
| Average earning assets | $193,642,750 | 2,945 |
| Average equity | $20,597,500 | 3,157 |
| Average total loans | $160,582,750 | 2,444 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7681% | 2,649 |
| Cost of funding earning assets | 1.0013% | 1,750 |
| Net interest margin | 3.7668% | 3,507 |
| Noninterest income to average assets | 0.5895% | 3,320 |
| Noninterest expense to average assets | 3.5615% | 1,658 |
| Loan and lease loss provision to assets | 0.0920% | 4,414 |
| Net operating income to assets | 0.2904% | 5,654 |
| Return on assets (ROA) | 0.2904% | 5,857 |
| Pretax return on assets | 0.4395% | 5,601 |
| Return on Equity (ROE) | 3.0872% | 5,662 |
| Retained earnings to average equity (ytd only) | 3.0872% | 4,586 |
| Net charge-offs to loans | 0.4613% | 2,221 |
| Credit loss provision to net charge-offs | 25.9563% | 4,509 |
| Earnings coverage of net charge-offs (x) | 1.5000% | 4,240 |
| Efficiency ratio | 87.0151% | 1,335 |
| Assets per employee ($millions) | 4.2090% | 3,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0064% | 6,130 |
| Loan loss allowance to noncurrent loans | 84.0823% | 3,661 |
| Noncurrent assets plus other real estate owned to assets | 0.9923% | 4,391 |
| Noncurrent loans to loans | 1.1969% | 4,156 |
| Net loans and leases to total assets | 71.1651% | 1,704 |
| Net loans and leases to deposits | 90.9103% | 1,055 |
| Net loans and leases to core deposits | 95.5169% | 1,470 |
| Total domestic deposits to total assets | 78.2805% | 6,102 |
| Equity capital to assets | 9.1498% | 5,524 |
| Core capital (leverage) ratio | 9.0854% | 4,785 |
| Tier 1 risk-based capital ratio | 14.9393% | 3,807 |
| Total risk-based capital ratio | 16.1297% | 3,803 |
| Memoranda: | ||
| Average total assets | $206,600,670 | 3,013 |
| Average earning assets | $192,150,670 | 2,968 |
| Average equity | $19,435,330 | 3,291 |
| Average total loans | $158,673,000 | 2,480 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9350% | 2,112 |
| Cost of funding earning assets | 1.0823% | 1,488 |
| Net interest margin | 3.8527% | 3,128 |
| Noninterest income to average assets | 0.5588% | 3,506 |
| Noninterest expense to average assets | 3.5346% | 1,688 |
| Loan and lease loss provision to assets | 0.1264% | 3,763 |
| Net operating income to assets | 0.3120% | 5,622 |
| Return on assets (ROA) | 0.3120% | 5,782 |
| Pretax return on assets | 0.4759% | 5,501 |
| Return on Equity (ROE) | 3.2691% | 5,606 |
| Retained earnings to average equity (ytd only) | 3.2691% | 4,608 |
| Net charge-offs to loans | 0.4725% | 1,907 |
| Credit loss provision to net charge-offs | 33.6842% | 3,560 |
| Earnings coverage of net charge-offs (x) | 1.6053% | 3,518 |
| Efficiency ratio | 85.4415% | 1,531 |
| Assets per employee ($millions) | 4.4730% | 3,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0725% | 5,999 |
| Loan loss allowance to noncurrent loans | 83.6041% | 3,564 |
| Noncurrent assets plus other real estate owned to assets | 1.0017% | 4,490 |
| Noncurrent loans to loans | 1.2828% | 4,191 |
| Net loans and leases to total assets | 76.1207% | 784 |
| Net loans and leases to deposits | 99.8846% | 374 |
| Net loans and leases to core deposits | 103.9538% | 767 |
| Total domestic deposits to total assets | 76.2087% | 6,520 |
| Equity capital to assets | 9.4413% | 4,885 |
| Core capital (leverage) ratio | 9.3867% | 4,213 |
| Tier 1 risk-based capital ratio | 14.3297% | 4,220 |
| Total risk-based capital ratio | 15.5799% | 4,191 |
| Memoranda: | ||
| Average total assets | $202,571,000 | 3,076 |
| Average earning assets | $188,125,500 | 3,036 |
| Average equity | $19,332,500 | 3,304 |
| Average total loans | $160,851,500 | 2,468 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7134% | 760 |
| Cost of funding earning assets | 1.3176% | 1,399 |
| Net interest margin | 4.3958% | 1,409 |
| Noninterest income to average assets | 0.4922% | 3,902 |
| Noninterest expense to average assets | 3.3120% | 2,485 |
| Loan and lease loss provision to assets | 0.4694% | 2,250 |
| Net operating income to assets | 0.5051% | 4,405 |
| Return on assets (ROA) | 0.5051% | 4,610 |
| Pretax return on assets | 0.7964% | 3,992 |
| Return on Equity (ROE) | 5.4762% | 4,148 |
| Retained earnings to average equity (ytd only) | 5.4762% | 2,315 |
| Net charge-offs to loans | 0.6054% | 2,635 |
| Credit loss provision to net charge-offs | 89.5833% | 4,026 |
| Earnings coverage of net charge-offs (x) | 2.4157% | 4,006 |
| Efficiency ratio | 72.3499% | 3,509 |
| Assets per employee ($millions) | 4.4308% | 3,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9199% | 6,486 |
| Loan loss allowance to noncurrent loans | 52.7183% | 4,876 |
| Noncurrent assets plus other real estate owned to assets | 1.4449% | 3,818 |
| Noncurrent loans to loans | 1.7450% | 3,540 |
| Net loans and leases to total assets | 81.1887% | 393 |
| Net loans and leases to deposits | 106.0903% | 246 |
| Net loans and leases to core deposits | 110.6351% | 603 |
| Total domestic deposits to total assets | 76.5279% | 6,405 |
| Equity capital to assets | 9.6491% | 4,677 |
| Core capital (leverage) ratio | 9.5884% | 3,891 |
| Tier 1 risk-based capital ratio | 13.1637% | 4,948 |
| Total risk-based capital ratio | 14.1993% | 5,093 |
| Memoranda: | ||
| Average total assets | $201,537,600 | 3,043 |
| Average earning assets | $187,313,200 | 2,994 |
| Average equity | $18,589,400 | 3,345 |
| Average total loans | $174,423,000 | 2,322 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7755% | 733 |
| Cost of funding earning assets | 1.3728% | 1,358 |
| Net interest margin | 4.4027% | 1,402 |
| Noninterest income to average assets | 0.4144% | 4,550 |
| Noninterest expense to average assets | 3.3551% | 2,332 |
| Loan and lease loss provision to assets | 0.5430% | 1,813 |
| Net operating income to assets | 0.3959% | 5,021 |
| Return on assets (ROA) | 0.3959% | 5,200 |
| Pretax return on assets | 0.6130% | 4,764 |
| Return on Equity (ROE) | 4.3413% | 4,842 |
| Retained earnings to average equity (ytd only) | 4.3413% | 3,640 |
| Net charge-offs to loans | 0.6419% | 2,326 |
| Credit loss provision to net charge-offs | 96.4830% | 3,557 |
| Earnings coverage of net charge-offs (x) | 2.0539% | 4,119 |
| Efficiency ratio | 74.3747% | 3,107 |
| Assets per employee ($millions) | 4.1658% | 3,510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9318% | 6,510 |
| Loan loss allowance to noncurrent loans | 48.9493% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 1.6798% | 3,568 |
| Noncurrent loans to loans | 1.9037% | 3,497 |
| Net loans and leases to total assets | 86.0107% | 133 |
| Net loans and leases to deposits | 112.7785% | 149 |
| Net loans and leases to core deposits | 118.0046% | 439 |
| Total domestic deposits to total assets | 76.2651% | 6,498 |
| Equity capital to assets | 9.6000% | 4,937 |
| Core capital (leverage) ratio | 9.5334% | 4,105 |
| Tier 1 risk-based capital ratio | 12.3576% | 5,618 |
| Total risk-based capital ratio | 13.4071% | 5,768 |
| Memoranda: | ||
| Average total assets | $202,075,500 | 3,050 |
| Average earning assets | $188,032,500 | 2,996 |
| Average equity | $18,427,000 | 3,369 |
| Average total loans | $177,183,250 | 2,302 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8546% | 645 |
| Cost of funding earning assets | 1.4101% | 1,376 |
| Net interest margin | 4.4445% | 1,258 |
| Noninterest income to average assets | 0.4163% | 4,542 |
| Noninterest expense to average assets | 3.3658% | 2,352 |
| Loan and lease loss provision to assets | 0.7288% | 1,280 |
| Net operating income to assets | 0.3076% | 5,346 |
| Return on assets (ROA) | 0.3076% | 5,479 |
| Pretax return on assets | 0.4653% | 5,180 |
| Return on Equity (ROE) | 3.4309% | 5,198 |
| Retained earnings to average equity (ytd only) | 3.4309% | 4,075 |
| Net charge-offs to loans | 0.8386% | 1,826 |
| Credit loss provision to net charge-offs | 98.8048% | 3,198 |
| Earnings coverage of net charge-offs (x) | 1.6189% | 4,077 |
| Efficiency ratio | 73.8131% | 3,392 |
| Assets per employee ($millions) | 4.1925% | 3,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9183% | 6,608 |
| Loan loss allowance to noncurrent loans | 114.8175% | 2,534 |
| Noncurrent assets plus other real estate owned to assets | 0.7205% | 5,465 |
| Noncurrent loans to loans | 0.7998% | 5,316 |
| Net loans and leases to total assets | 86.0034% | 139 |
| Net loans and leases to deposits | 113.5238% | 136 |
| Net loans and leases to core deposits | 118.6803% | 451 |
| Total domestic deposits to total assets | 75.7580% | 6,635 |
| Equity capital to assets | 9.1596% | 5,339 |
| Core capital (leverage) ratio | 9.1131% | 4,546 |
| Tier 1 risk-based capital ratio | 11.8157% | 5,928 |
| Total risk-based capital ratio | 12.8496% | 6,083 |
| Memoranda: | ||
| Average total assets | $204,170,000 | 3,052 |
| Average earning assets | $190,345,670 | 2,990 |
| Average equity | $18,304,000 | 3,371 |
| Average total loans | $179,582,330 | 2,290 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8271% | 702 |
| Cost of funding earning assets | 1.4234% | 1,500 |
| Net interest margin | 4.4037% | 1,266 |
| Noninterest income to average assets | 0.4396% | 4,365 |
| Noninterest expense to average assets | 3.3924% | 2,302 |
| Loan and lease loss provision to assets | 0.1225% | 4,473 |
| Net operating income to assets | 0.6478% | 3,759 |
| Return on assets (ROA) | 0.6478% | 3,838 |
| Pretax return on assets | 1.0348% | 3,005 |
| Return on Equity (ROE) | 7.3028% | 3,245 |
| Retained earnings to average equity (ytd only) | 7.3028% | 2,024 |
| Net charge-offs to loans | 0.0088% | 4,978 |
| Credit loss provision to net charge-offs | 1,575.0000% | 246 |
| Earnings coverage of net charge-offs (x) | 148.7500% | 210 |
| Efficiency ratio | 74.5618% | 3,415 |
| Assets per employee ($millions) | 4.5830% | 2,763 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9129% | 6,664 |
| Loan loss allowance to noncurrent loans | 239.6848% | 1,250 |
| Noncurrent assets plus other real estate owned to assets | 0.3641% | 6,297 |
| Noncurrent loans to loans | 0.3809% | 6,237 |
| Net loans and leases to total assets | 88.0472% | 77 |
| Net loans and leases to deposits | 119.8613% | 96 |
| Net loans and leases to core deposits | 124.9097% | 330 |
| Total domestic deposits to total assets | 73.4576% | 6,957 |
| Equity capital to assets | 8.9257% | 5,312 |
| Core capital (leverage) ratio | 8.8833% | 4,799 |
| Tier 1 risk-based capital ratio | 11.4550% | 6,139 |
| Total risk-based capital ratio | 12.5015% | 6,283 |
| Memoranda: | ||
| Average total assets | $205,634,000 | 3,039 |
| Average earning assets | $191,929,500 | 2,985 |
| Average equity | $18,239,500 | 3,366 |
| Average total loans | $182,034,000 | 2,289 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8226% | 1,219 |
| Cost of funding earning assets | 1.7570% | 1,355 |
| Net interest margin | 4.0656% | 2,725 |
| Noninterest income to average assets | 0.6494% | 3,158 |
| Noninterest expense to average assets | 3.2016% | 3,088 |
| Loan and lease loss provision to assets | 0.0897% | 6,247 |
| Net operating income to assets | 0.7187% | 3,154 |
| Return on assets (ROA) | 0.7187% | 3,281 |
| Pretax return on assets | 1.1418% | 2,427 |
| Return on Equity (ROE) | 8.6916% | 2,423 |
| Retained earnings to average equity (ytd only) | 8.6916% | 789 |
| Net charge-offs to loans | 0.0542% | 6,247 |
| Credit loss provision to net charge-offs | 192.7083% | 1,659 |
| Earnings coverage of net charge-offs (x) | 26.4688% | 821 |
| Efficiency ratio | 72.2204% | 3,749 |
| Assets per employee ($millions) | 4.5563% | 2,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8921% | 6,746 |
| Loan loss allowance to noncurrent loans | 17,922.2222% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0302% | 7,168 |
| Noncurrent loans to loans | 0.0050% | 7,155 |
| Net loans and leases to total assets | 87.3995% | 117 |
| Net loans and leases to deposits | 117.2732% | 135 |
| Net loans and leases to core deposits | 121.5859% | 483 |
| Total domestic deposits to total assets | 74.5264% | 6,827 |
| Equity capital to assets | 8.8137% | 5,415 |
| Core capital (leverage) ratio | 8.7603% | 4,914 |
| Tier 1 risk-based capital ratio | 11.3027% | 6,090 |
| Total risk-based capital ratio | 12.3183% | 6,246 |
| Memoranda: | ||
| Average total assets | $206,336,400 | 3,024 |
| Average earning assets | $192,028,000 | 2,973 |
| Average equity | $17,062,400 | 3,583 |
| Average total loans | $176,979,800 | 2,388 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7799% | 1,455 |
| Cost of funding earning assets | 1.8219% | 1,334 |
| Net interest margin | 3.9581% | 3,297 |
| Noninterest income to average assets | 0.5613% | 3,706 |
| Noninterest expense to average assets | 3.1116% | 3,288 |
| Loan and lease loss provision to assets | 0.1194% | 5,837 |
| Net operating income to assets | 0.6452% | 3,675 |
| Return on assets (ROA) | 0.6452% | 3,842 |
| Pretax return on assets | 1.0110% | 3,142 |
| Return on Equity (ROE) | 7.9315% | 2,939 |
| Retained earnings to average equity (ytd only) | 7.9315% | 1,444 |
| Net charge-offs to loans | 0.0826% | 5,703 |
| Credit loss provision to net charge-offs | 169.7248% | 2,192 |
| Earnings coverage of net charge-offs (x) | 16.0734% | 1,398 |
| Efficiency ratio | 73.3536% | 3,450 |
| Assets per employee ($millions) | 4.7328% | 2,552 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8847% | 6,789 |
| Loan loss allowance to noncurrent loans | 976.2195% | 375 |
| Noncurrent assets plus other real estate owned to assets | 0.1042% | 7,096 |
| Noncurrent loans to loans | 0.0906% | 7,006 |
| Net loans and leases to total assets | 86.1286% | 191 |
| Net loans and leases to deposits | 114.7174% | 179 |
| Net loans and leases to core deposits | 119.7479% | 620 |
| Total domestic deposits to total assets | 75.0790% | 6,788 |
| Equity capital to assets | 8.4637% | 6,322 |
| Core capital (leverage) ratio | 8.3850% | 5,727 |
| Tier 1 risk-based capital ratio | 10.9604% | 6,411 |
| Total risk-based capital ratio | 11.9662% | 6,601 |
| Memoranda: | ||
| Average total assets | $206,662,500 | 3,057 |
| Average earning assets | $192,176,750 | 3,011 |
| Average equity | $16,810,250 | 3,675 |
| Average total loans | $176,022,250 | 2,435 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7438% | 1,581 |
| Cost of funding earning assets | 1.8367% | 1,504 |
| Net interest margin | 3.9072% | 3,413 |
| Noninterest income to average assets | 0.5453% | 3,748 |
| Noninterest expense to average assets | 3.0650% | 3,451 |
| Loan and lease loss provision to assets | 0.1581% | 5,308 |
| Net operating income to assets | 0.6142% | 3,818 |
| Return on assets (ROA) | 0.6142% | 3,955 |
| Pretax return on assets | 0.9528% | 3,302 |
| Return on Equity (ROE) | 7.6548% | 3,035 |
| Retained earnings to average equity (ytd only) | 7.6548% | 1,575 |
| Net charge-offs to loans | 0.1158% | 5,017 |
| Credit loss provision to net charge-offs | 161.3861% | 2,441 |
| Earnings coverage of net charge-offs (x) | 11.3366% | 1,775 |
| Efficiency ratio | 73.3968% | 3,577 |
| Assets per employee ($millions) | 4.8079% | 2,435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8866% | 6,803 |
| Loan loss allowance to noncurrent loans | 2,144.5946% | 184 |
| Noncurrent assets plus other real estate owned to assets | 0.0662% | 7,227 |
| Noncurrent loans to loans | 0.0413% | 7,213 |
| Net loans and leases to total assets | 83.8614% | 369 |
| Net loans and leases to deposits | 119.5174% | 127 |
| Net loans and leases to core deposits | 126.2035% | 509 |
| Total domestic deposits to total assets | 70.1667% | 7,316 |
| Equity capital to assets | 8.1546% | 6,593 |
| Core capital (leverage) ratio | 8.0707% | 6,166 |
| Tier 1 risk-based capital ratio | 10.4487% | 6,724 |
| Total risk-based capital ratio | 11.4208% | 6,898 |
| Memoranda: | ||
| Average total assets | $206,136,000 | 3,093 |
| Average earning assets | $191,544,000 | 3,040 |
| Average equity | $16,538,670 | 3,714 |
| Average total loans | $174,377,330 | 2,486 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7022% | 1,771 |
| Cost of funding earning assets | 1.8535% | 1,645 |
| Net interest margin | 3.8487% | 3,578 |
| Noninterest income to average assets | 0.6095% | 3,215 |
| Noninterest expense to average assets | 3.1225% | 3,172 |
| Loan and lease loss provision to assets | 0.1652% | 4,874 |
| Net operating income to assets | 0.5702% | 4,031 |
| Return on assets (ROA) | 0.5702% | 4,175 |
| Pretax return on assets | 0.8986% | 3,477 |
| Return on Equity (ROE) | 7.1682% | 3,259 |
| Retained earnings to average equity (ytd only) | 7.1682% | 2,062 |
| Net charge-offs to loans | 0.1279% | 4,200 |
| Credit loss provision to net charge-offs | 152.7273% | 2,346 |
| Earnings coverage of net charge-offs (x) | 9.8364% | 1,802 |
| Efficiency ratio | 74.5890% | 3,470 |
| Assets per employee ($millions) | 4.8258% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8866% | 6,878 |
| Loan loss allowance to noncurrent loans | 227.5256% | 1,273 |
| Noncurrent assets plus other real estate owned to assets | 0.3609% | 6,575 |
| Noncurrent loans to loans | 0.3897% | 6,501 |
| Net loans and leases to total assets | 83.7156% | 398 |
| Net loans and leases to deposits | 123.0801% | 114 |
| Net loans and leases to core deposits | 130.6256% | 477 |
| Total domestic deposits to total assets | 68.0171% | 7,526 |
| Equity capital to assets | 7.8777% | 6,781 |
| Core capital (leverage) ratio | 7.8101% | 6,486 |
| Tier 1 risk-based capital ratio | 10.1429% | 6,935 |
| Total risk-based capital ratio | 11.1162% | 7,112 |
| Memoranda: | ||
| Average total assets | $203,429,500 | 3,177 |
| Average earning assets | $189,050,000 | 3,131 |
| Average equity | $16,182,500 | 3,802 |
| Average total loans | $172,068,500 | 2,581 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6477% | 3,361 |
| Cost of funding earning assets | 2.3046% | 1,636 |
| Net interest margin | 3.3431% | 5,573 |
| Noninterest income to average assets | 0.5161% | 4,282 |
| Noninterest expense to average assets | 3.0861% | 3,807 |
| Loan and lease loss provision to assets | 0.1291% | 6,348 |
| Net operating income to assets | 0.2745% | 4,628 |
| Return on assets (ROA) | 0.2827% | 4,689 |
| Pretax return on assets | 0.4273% | 4,413 |
| Return on Equity (ROE) | 3.6765% | 4,216 |
| Retained earnings to average equity (ytd only) | 3.6765% | 2,616 |
| Net charge-offs to loans | 0.0718% | 6,391 |
| Credit loss provision to net charge-offs | 215.8333% | 1,768 |
| Earnings coverage of net charge-offs (x) | 9.0917% | 1,846 |
| Efficiency ratio | 85.0137% | 2,224 |
| Assets per employee ($millions) | 4.5306% | 2,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9025% | 6,799 |
| Loan loss allowance to noncurrent loans | 386.8020% | 857 |
| Noncurrent assets plus other real estate owned to assets | 0.2308% | 6,888 |
| Noncurrent loans to loans | 0.2333% | 6,845 |
| Net loans and leases to total assets | 83.9437% | 438 |
| Net loans and leases to deposits | 121.0206% | 162 |
| Net loans and leases to core deposits | 150.8152% | 494 |
| Total domestic deposits to total assets | 69.3631% | 7,470 |
| Equity capital to assets | 8.0352% | 6,543 |
| Core capital (leverage) ratio | 7.9766% | 6,230 |
| Tier 1 risk-based capital ratio | 10.3025% | 6,586 |
| Total risk-based capital ratio | 11.2906% | 6,808 |
| Memoranda: | ||
| Average total assets | $200,543,800 | 3,175 |
| Average earning assets | $186,802,400 | 3,130 |
| Average equity | $15,422,200 | 3,986 |
| Average total loans | $167,114,400 | 2,663 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6461% | 3,596 |
| Cost of funding earning assets | 2.4078% | 1,609 |
| Net interest margin | 3.2382% | 5,882 |
| Noninterest income to average assets | 0.4979% | 4,500 |
| Noninterest expense to average assets | 3.0570% | 3,817 |
| Loan and lease loss provision to assets | 0.0644% | 6,713 |
| Net operating income to assets | 0.2587% | 4,957 |
| Return on assets (ROA) | 0.2695% | 5,007 |
| Pretax return on assets | 0.4116% | 4,768 |
| Return on Equity (ROE) | 3.5442% | 4,558 |
| Retained earnings to average equity (ytd only) | 3.5442% | 3,308 |
| Net charge-offs to loans | 0.0480% | 6,246 |
| Credit loss provision to net charge-offs | 161.6667% | 2,923 |
| Earnings coverage of net charge-offs (x) | 11.5330% | 1,845 |
| Efficiency ratio | 86.9360% | 1,969 |
| Assets per employee ($millions) | 4.5395% | 2,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8656% | 6,909 |
| Loan loss allowance to noncurrent loans | 308.0087% | 988 |
| Noncurrent assets plus other real estate owned to assets | 0.2367% | 6,926 |
| Noncurrent loans to loans | 0.2810% | 6,811 |
| Net loans and leases to total assets | 83.4862% | 609 |
| Net loans and leases to deposits | 116.3545% | 264 |
| Net loans and leases to core deposits | 142.3835% | 825 |
| Total domestic deposits to total assets | 71.7515% | 7,238 |
| Equity capital to assets | 8.1532% | 6,692 |
| Core capital (leverage) ratio | 8.0609% | 6,250 |
| Tier 1 risk-based capital ratio | 10.6531% | 6,296 |
| Total risk-based capital ratio | 11.6175% | 6,543 |
| Memoranda: | ||
| Average total assets | $200,842,750 | 3,195 |
| Average earning assets | $187,216,750 | 3,147 |
| Average equity | $15,273,250 | 4,053 |
| Average total loans | $166,677,000 | 2,690 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6264% | 3,934 |
| Cost of funding earning assets | 2.4750% | 1,698 |
| Net interest margin | 3.1514% | 6,086 |
| Noninterest income to average assets | 0.5051% | 4,402 |
| Noninterest expense to average assets | 3.0455% | 3,891 |
| Loan and lease loss provision to assets | 0.0661% | 6,548 |
| Net operating income to assets | 0.2267% | 5,168 |
| Return on assets (ROA) | 0.2437% | 5,205 |
| Pretax return on assets | 0.3552% | 5,058 |
| Return on Equity (ROE) | 3.2804% | 4,793 |
| Retained earnings to average equity (ytd only) | 3.2804% | 3,496 |
| Net charge-offs to loans | 0.1171% | 4,990 |
| Credit loss provision to net charge-offs | 68.3673% | 5,448 |
| Earnings coverage of net charge-offs (x) | 4.1020% | 3,216 |
| Efficiency ratio | 88.4781% | 1,951 |
| Assets per employee ($millions) | 4.7905% | 2,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8191% | 7,090 |
| Loan loss allowance to noncurrent loans | 240.6750% | 1,281 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 6,775 |
| Noncurrent loans to loans | 0.3403% | 6,664 |
| Net loans and leases to total assets | 81.5488% | 1,040 |
| Net loans and leases to deposits | 115.0054% | 360 |
| Net loans and leases to core deposits | 140.0799% | 1,006 |
| Total domestic deposits to total assets | 70.9087% | 7,378 |
| Equity capital to assets | 7.7967% | 6,985 |
| Core capital (leverage) ratio | 7.7343% | 6,699 |
| Tier 1 risk-based capital ratio | 10.3548% | 6,526 |
| Total risk-based capital ratio | 11.2570% | 6,847 |
| Memoranda: | ||
| Average total assets | $202,723,670 | 3,197 |
| Average earning assets | $188,929,330 | 3,152 |
| Average equity | $15,059,330 | 4,104 |
| Average total loans | $167,440,000 | 2,712 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6325% | 4,154 |
| Cost of funding earning assets | 2.5627% | 1,684 |
| Net interest margin | 3.0698% | 6,283 |
| Noninterest income to average assets | 0.3814% | 5,372 |
| Noninterest expense to average assets | 3.0607% | 3,517 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | 0.1292% | 5,888 |
| Return on assets (ROA) | 0.1632% | 5,947 |
| Pretax return on assets | 0.2379% | 5,855 |
| Return on Equity (ROE) | 2.2515% | 5,685 |
| Retained earnings to average equity (ytd only) | 2.2515% | 4,624 |
| Net charge-offs to loans | 0.0047% | 5,638 |
| Credit loss provision to net charge-offs | 0.0000% | 5,248 |
| Earnings coverage of net charge-offs (x) | 48.0000% | 753 |
| Efficiency ratio | 94.1924% | 1,421 |
| Assets per employee ($millions) | 4.9880% | 2,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8158% | 7,101 |
| Loan loss allowance to noncurrent loans | 491.1348% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.1379% | 7,166 |
| Noncurrent loans to loans | 0.1661% | 7,051 |
| Net loans and leases to total assets | 82.3346% | 961 |
| Net loans and leases to deposits | 121.3908% | 261 |
| Net loans and leases to core deposits | 150.2762% | 696 |
| Total domestic deposits to total assets | 67.8260% | 7,605 |
| Equity capital to assets | 7.2389% | 7,532 |
| Core capital (leverage) ratio | 7.1590% | 7,518 |
| Tier 1 risk-based capital ratio | 9.7206% | 7,227 |
| Total risk-based capital ratio | 10.6409% | 7,476 |
| Memoranda: | ||
| Average total assets | $203,485,000 | 3,205 |
| Average earning assets | $190,111,500 | 3,152 |
| Average equity | $14,745,500 | 4,186 |
| Average total loans | $168,444,000 | 2,722 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8356% | 6,312 |
| Cost of funding earning assets | 2.8206% | 2,625 |
| Net interest margin | 3.0150% | 6,872 |
| Noninterest income to average assets | 0.4670% | 4,906 |
| Noninterest expense to average assets | 3.4523% | 2,519 |
| Loan and lease loss provision to assets | 0.1742% | 5,159 |
| Net operating income to assets | -0.1834% | 6,601 |
| Return on assets (ROA) | -0.1834% | 6,450 |
| Pretax return on assets | -0.3745% | 6,524 |
| Return on Equity (ROE) | -2.3002% | 6,543 |
| Retained earnings to average equity (ytd only) | -2.3002% | 5,952 |
| Net charge-offs to loans | 0.0381% | 6,264 |
| Credit loss provision to net charge-offs | 561.4035% | 783 |
| Earnings coverage of net charge-offs (x) | -6.4561% | 6,862 |
| Efficiency ratio | 106.1590% | 808 |
| Assets per employee ($millions) | 4.9381% | 2,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8275% | 6,992 |
| Loan loss allowance to noncurrent loans | 415.3153% | 1,008 |
| Noncurrent assets plus other real estate owned to assets | 0.1926% | 6,795 |
| Noncurrent loans to loans | 0.1993% | 6,791 |
| Net loans and leases to total assets | 81.8619% | 1,254 |
| Net loans and leases to deposits | 124.6119% | 294 |
| Net loans and leases to core deposits | 156.1817% | 662 |
| Total domestic deposits to total assets | 65.6935% | 7,676 |
| Equity capital to assets | 7.2542% | 7,586 |
| Core capital (leverage) ratio | 7.1854% | 7,534 |
| Tier 1 risk-based capital ratio | 9.8847% | 6,865 |
| Total risk-based capital ratio | 10.8251% | 7,129 |
| Memoranda: | ||
| Average total assets | $183,733,600 | 3,360 |
| Average earning assets | $169,717,000 | 3,340 |
| Average equity | $14,651,200 | 4,208 |
| Average total loans | $149,441,800 | 2,939 |