Home > Greater Hudson Bank > Performance and Condition Ratios
Greater Hudson Bank, Performance and Condition Ratios
| 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 | 4.6813% | 1,893 |
| Cost of funding earning assets | 1.0589% | 583 |
| Net interest margin | 3.6223% | 3,303 |
| Noninterest income to average assets | 0.1889% | 4,774 |
| Noninterest expense to average assets | 2.8306% | 2,581 |
| Loan and lease loss provision to assets | 1.1876% | 62 |
| Net operating income to assets | -0.3046% | 5,293 |
| Return on assets (ROA) | -0.3046% | 5,289 |
| Pretax return on assets | -0.4144% | 5,304 |
| Return on Equity (ROE) | -2.8405% | 5,288 |
| Retained earnings to average equity (ytd only) | -2.8405% | 5,173 |
| Net charge-offs to loans | 0.7628% | 206 |
| Credit loss provision to net charge-offs | 224.2836% | 1,308 |
| Earnings coverage of net charge-offs (x) | 1.4603% | 3,622 |
| Efficiency ratio | 78.5437% | 1,082 |
| Assets per employee ($millions) | 8.5380% | 543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8735% | 603 |
| Loan loss allowance to noncurrent loans | 53.7362% | 4,246 |
| Noncurrent assets plus other real estate owned to assets | 2.5103% | 302 |
| Noncurrent loans to loans | 3.4865% | 255 |
| Net loans and leases to total assets | 70.6527% | 2,471 |
| Net loans and leases to deposits | 91.8181% | 1,571 |
| Net loans and leases to core deposits | 103.4942% | 1,457 |
| Total domestic deposits to total assets | 76.9485% | 4,639 |
| Equity capital to assets | 10.2988% | 3,374 |
| Core capital (leverage) ratio | 10.5546% | 2,963 |
| Tier 1 risk-based capital ratio | 12.4294% | 4,180 |
| Total risk-based capital ratio | 13.6851% | 4,049 |
| Memoranda: | ||
| Average total assets | $514,056,600 | 1,370 |
| Average earning assets | $484,633,400 | 1,353 |
| Average equity | $55,130,600 | 1,413 |
| Average total loans | $356,822,000 | 1,379 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6048% | 1,965 |
| Cost of funding earning assets | 0.9706% | 683 |
| Net interest margin | 3.6343% | 3,258 |
| Noninterest income to average assets | 0.1795% | 4,887 |
| Noninterest expense to average assets | 2.8608% | 2,429 |
| Loan and lease loss provision to assets | 1.6755% | 38 |
| Net operating income to assets | -0.7164% | 5,407 |
| Return on assets (ROA) | -0.7164% | 5,402 |
| Pretax return on assets | -0.9355% | 5,410 |
| Return on Equity (ROE) | -6.6103% | 5,401 |
| Retained earnings to average equity (ytd only) | -6.6103% | 5,343 |
| Net charge-offs to loans | 1.0477% | 132 |
| Credit loss provision to net charge-offs | 232.6895% | 1,243 |
| Earnings coverage of net charge-offs (x) | 1.0277% | 3,381 |
| Efficiency ratio | 79.4491% | 994 |
| Assets per employee ($millions) | 7.5505% | 755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9955% | 489 |
| Loan loss allowance to noncurrent loans | 141.3203% | 2,871 |
| Noncurrent assets plus other real estate owned to assets | 1.0060% | 1,444 |
| Noncurrent loans to loans | 1.4120% | 1,176 |
| Net loans and leases to total assets | 69.8211% | 2,677 |
| Net loans and leases to deposits | 86.5141% | 2,321 |
| Net loans and leases to core deposits | 95.8928% | 2,124 |
| Total domestic deposits to total assets | 80.7049% | 3,951 |
| Equity capital to assets | 10.0702% | 3,570 |
| Core capital (leverage) ratio | 10.6217% | 2,964 |
| Tier 1 risk-based capital ratio | 12.5667% | 4,176 |
| Total risk-based capital ratio | 13.8241% | 4,054 |
| Memoranda: | ||
| Average total assets | $508,096,750 | 1,393 |
| Average earning assets | $478,324,500 | 1,372 |
| Average equity | $55,064,000 | 1,421 |
| Average total loans | $349,204,000 | 1,408 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5224% | 2,019 |
| Cost of funding earning assets | 0.9035% | 722 |
| Net interest margin | 3.6190% | 3,239 |
| Noninterest income to average assets | 0.2250% | 4,677 |
| Noninterest expense to average assets | 2.9480% | 2,203 |
| Loan and lease loss provision to assets | 2.5195% | 26 |
| Net operating income to assets | -1.4124% | 5,491 |
| Return on assets (ROA) | -1.4124% | 5,485 |
| Pretax return on assets | -1.8369% | 5,495 |
| Return on Equity (ROE) | -12.7162% | 5,484 |
| Retained earnings to average equity (ytd only) | -12.7162% | 5,444 |
| Net charge-offs to loans | 1.6155% | 74 |
| Credit loss provision to net charge-offs | 229.8871% | 1,194 |
| Earnings coverage of net charge-offs (x) | 0.6229% | 3,118 |
| Efficiency ratio | 81.1978% | 900 |
| Assets per employee ($millions) | 6.8374% | 1,001 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0847% | 451 |
| Loan loss allowance to noncurrent loans | 137.2119% | 2,915 |
| Noncurrent assets plus other real estate owned to assets | 1.0436% | 1,436 |
| Noncurrent loans to loans | 1.5193% | 1,102 |
| Net loans and leases to total assets | 67.2568% | 2,984 |
| Net loans and leases to deposits | 84.0793% | 2,527 |
| Net loans and leases to core deposits | 91.2691% | 2,463 |
| Total domestic deposits to total assets | 79.9920% | 4,240 |
| Equity capital to assets | 10.1329% | 3,504 |
| Core capital (leverage) ratio | 10.7071% | 2,799 |
| Tier 1 risk-based capital ratio | 12.8686% | 3,967 |
| Total risk-based capital ratio | 14.1270% | 3,880 |
| Memoranda: | ||
| Average total assets | $501,283,000 | 1,411 |
| Average earning assets | $471,738,670 | 1,391 |
| Average equity | $55,677,000 | 1,408 |
| Average total loans | $340,090,330 | 1,440 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4435% | 2,040 |
| Cost of funding earning assets | 0.8534% | 755 |
| Net interest margin | 3.5902% | 3,219 |
| Noninterest income to average assets | 0.2593% | 4,442 |
| Noninterest expense to average assets | 2.9685% | 2,146 |
| Loan and lease loss provision to assets | 0.4820% | 217 |
| Net operating income to assets | 0.1666% | 5,277 |
| Return on assets (ROA) | 0.1666% | 5,274 |
| Pretax return on assets | 0.1943% | 5,267 |
| Return on Equity (ROE) | 1.4339% | 5,265 |
| Retained earnings to average equity (ytd only) | 1.4339% | 4,512 |
| Net charge-offs to loans | 0.4076% | 384 |
| Credit loss provision to net charge-offs | 175.4438% | 1,135 |
| Earnings coverage of net charge-offs (x) | 2.4615% | 2,458 |
| Efficiency ratio | 81.4451% | 1,006 |
| Assets per employee ($millions) | 6.9630% | 973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2116% | 2,738 |
| Loan loss allowance to noncurrent loans | 72.8556% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.5451% | 885 |
| Noncurrent loans to loans | 1.6630% | 1,034 |
| Net loans and leases to total assets | 67.1350% | 2,873 |
| Net loans and leases to deposits | 83.7809% | 2,409 |
| Net loans and leases to core deposits | 89.6567% | 2,477 |
| Total domestic deposits to total assets | 80.1316% | 4,390 |
| Equity capital to assets | 11.3219% | 2,282 |
| Core capital (leverage) ratio | 11.7608% | 1,810 |
| Tier 1 risk-based capital ratio | 14.4818% | 3,134 |
| Total risk-based capital ratio | 15.5902% | 3,119 |
| Memoranda: | ||
| Average total assets | $492,103,000 | 1,441 |
| Average earning assets | $464,047,000 | 1,421 |
| Average equity | $57,188,000 | 1,385 |
| Average total loans | $331,667,500 | 1,482 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2690% | 2,433 |
| Cost of funding earning assets | 0.7427% | 843 |
| Net interest margin | 3.5263% | 3,442 |
| Noninterest income to average assets | 0.2374% | 4,718 |
| Noninterest expense to average assets | 2.4613% | 3,909 |
| Loan and lease loss provision to assets | 0.0801% | 2,600 |
| Net operating income to assets | 0.4882% | 4,405 |
| Return on assets (ROA) | 0.5084% | 4,389 |
| Pretax return on assets | 1.0567% | 3,356 |
| Return on Equity (ROE) | 4.3844% | 4,386 |
| Retained earnings to average equity (ytd only) | 4.3844% | 2,528 |
| Net charge-offs to loans | 0.3926% | 637 |
| Credit loss provision to net charge-offs | 31.0427% | 3,527 |
| Earnings coverage of net charge-offs (x) | 4.2844% | 3,487 |
| Efficiency ratio | 69.0110% | 2,697 |
| Assets per employee ($millions) | 6.6146% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 2,772 |
| Loan loss allowance to noncurrent loans | 64.8526% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 1.7108% | 744 |
| Noncurrent loans to loans | 1.8510% | 855 |
| Net loans and leases to total assets | 66.0140% | 3,096 |
| Net loans and leases to deposits | 83.4966% | 2,550 |
| Net loans and leases to core deposits | 90.4258% | 2,522 |
| Total domestic deposits to total assets | 79.0619% | 4,530 |
| Equity capital to assets | 11.9319% | 1,880 |
| Core capital (leverage) ratio | 11.9677% | 1,618 |
| Tier 1 risk-based capital ratio | 15.0920% | 2,806 |
| Total risk-based capital ratio | 16.1983% | 2,802 |
| Memoranda: | ||
| Average total assets | $490,754,800 | 1,429 |
| Average earning assets | $463,317,000 | 1,405 |
| Average equity | $56,906,200 | 1,380 |
| Average total loans | $322,446,600 | 1,474 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2783% | 2,324 |
| Cost of funding earning assets | 0.7183% | 891 |
| Net interest margin | 3.5600% | 3,291 |
| Noninterest income to average assets | 0.2538% | 4,687 |
| Noninterest expense to average assets | 2.4254% | 3,948 |
| Loan and lease loss provision to assets | 0.0468% | 3,169 |
| Net operating income to assets | 0.7754% | 3,620 |
| Return on assets (ROA) | 0.8039% | 3,554 |
| Pretax return on assets | 1.1885% | 2,950 |
| Return on Equity (ROE) | 6.9827% | 3,672 |
| Retained earnings to average equity (ytd only) | 6.9827% | 1,695 |
| Net charge-offs to loans | 0.4586% | 455 |
| Credit loss provision to net charge-offs | 15.5996% | 3,189 |
| Earnings coverage of net charge-offs (x) | 3.9766% | 3,280 |
| Efficiency ratio | 67.0231% | 3,046 |
| Assets per employee ($millions) | 6.5630% | 1,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2386% | 2,700 |
| Loan loss allowance to noncurrent loans | 60.8335% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 1.7850% | 781 |
| Noncurrent loans to loans | 2.0360% | 833 |
| Net loans and leases to total assets | 63.4119% | 3,504 |
| Net loans and leases to deposits | 79.4447% | 3,022 |
| Net loans and leases to core deposits | 86.2953% | 2,938 |
| Total domestic deposits to total assets | 79.8190% | 4,356 |
| Equity capital to assets | 12.2384% | 1,815 |
| Core capital (leverage) ratio | 12.0033% | 1,687 |
| Tier 1 risk-based capital ratio | 15.9063% | 2,547 |
| Total risk-based capital ratio | 17.0577% | 2,521 |
| Memoranda: | ||
| Average total assets | $492,726,750 | 1,432 |
| Average earning assets | $465,713,500 | 1,405 |
| Average equity | $56,729,000 | 1,398 |
| Average total loans | $322,400,000 | 1,484 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2340% | 2,344 |
| Cost of funding earning assets | 0.6921% | 931 |
| Net interest margin | 3.5419% | 3,249 |
| Noninterest income to average assets | 0.2566% | 4,695 |
| Noninterest expense to average assets | 2.4429% | 3,936 |
| Loan and lease loss provision to assets | 0.0937% | 2,114 |
| Net operating income to assets | 0.7297% | 3,710 |
| Return on assets (ROA) | 0.7557% | 3,662 |
| Pretax return on assets | 1.1133% | 3,122 |
| Return on Equity (ROE) | 6.6995% | 3,723 |
| Retained earnings to average equity (ytd only) | 6.6995% | 1,741 |
| Net charge-offs to loans | 0.6330% | 313 |
| Credit loss provision to net charge-offs | 22.4903% | 2,770 |
| Earnings coverage of net charge-offs (x) | 2.8050% | 3,123 |
| Efficiency ratio | 67.6392% | 3,074 |
| Assets per employee ($millions) | 6.9094% | 967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 2,861 |
| Loan loss allowance to noncurrent loans | 57.2362% | 4,432 |
| Noncurrent assets plus other real estate owned to assets | 1.8976% | 698 |
| Noncurrent loans to loans | 2.1409% | 764 |
| Net loans and leases to total assets | 65.7165% | 3,148 |
| Net loans and leases to deposits | 84.3259% | 2,430 |
| Net loans and leases to core deposits | 90.6825% | 2,462 |
| Total domestic deposits to total assets | 77.9316% | 4,827 |
| Equity capital to assets | 11.8876% | 2,012 |
| Core capital (leverage) ratio | 11.4321% | 2,021 |
| Tier 1 risk-based capital ratio | 14.6415% | 3,090 |
| Total risk-based capital ratio | 15.7570% | 3,085 |
| Memoranda: | ||
| Average total assets | $497,269,330 | 1,422 |
| Average earning assets | $471,047,670 | 1,396 |
| Average equity | $56,094,000 | 1,413 |
| Average total loans | $327,328,000 | 1,468 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1958% | 2,291 |
| Cost of funding earning assets | 0.6873% | 892 |
| Net interest margin | 3.5085% | 3,248 |
| Noninterest income to average assets | 0.2246% | 4,927 |
| Noninterest expense to average assets | 2.4353% | 4,014 |
| Loan and lease loss provision to assets | 0.3658% | 316 |
| Net operating income to assets | 0.5269% | 4,486 |
| Return on assets (ROA) | 0.5269% | 4,526 |
| Pretax return on assets | 0.7610% | 4,243 |
| Return on Equity (ROE) | 4.7948% | 4,486 |
| Retained earnings to average equity (ytd only) | 4.7948% | 3,017 |
| Net charge-offs to loans | 0.2266% | 793 |
| Credit loss provision to net charge-offs | 246.5241% | 898 |
| Earnings coverage of net charge-offs (x) | 7.5936% | 2,121 |
| Efficiency ratio | 68.3671% | 3,143 |
| Assets per employee ($millions) | 7.6127% | 721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 1,582 |
| Loan loss allowance to noncurrent loans | 44.5035% | 4,763 |
| Noncurrent assets plus other real estate owned to assets | 2.7006% | 395 |
| Noncurrent loans to loans | 3.4388% | 363 |
| Net loans and leases to total assets | 64.2872% | 3,234 |
| Net loans and leases to deposits | 80.3806% | 2,702 |
| Net loans and leases to core deposits | 85.9113% | 2,724 |
| Total domestic deposits to total assets | 79.9785% | 4,623 |
| Equity capital to assets | 11.1088% | 2,523 |
| Core capital (leverage) ratio | 10.9581% | 2,399 |
| Tier 1 risk-based capital ratio | 13.9030% | 3,538 |
| Total risk-based capital ratio | 15.1552% | 3,447 |
| Memoranda: | ||
| Average total assets | $504,076,000 | 1,410 |
| Average earning assets | $479,527,500 | 1,377 |
| Average equity | $55,393,500 | 1,423 |
| Average total loans | $330,099,500 | 1,457 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0749% | 2,939 |
| Cost of funding earning assets | 0.6933% | 839 |
| Net interest margin | 3.3815% | 3,884 |
| Noninterest income to average assets | 0.1161% | 5,599 |
| Noninterest expense to average assets | 2.2766% | 4,604 |
| Loan and lease loss provision to assets | 0.2616% | 790 |
| Net operating income to assets | 0.5782% | 4,308 |
| Return on assets (ROA) | 0.6564% | 4,089 |
| Pretax return on assets | 0.9545% | 3,637 |
| Return on Equity (ROE) | 5.7821% | 4,082 |
| Retained earnings to average equity (ytd only) | 4.5953% | 2,644 |
| Net charge-offs to loans | 0.0017% | 4,219 |
| Credit loss provision to net charge-offs | 23,920.0000% | 12 |
| Earnings coverage of net charge-offs (x) | 1,008.4000% | 78 |
| Efficiency ratio | 67.3657% | 3,373 |
| Assets per employee ($millions) | 7.9018% | 633 |
| Cash dividends to net income (ytd only)* | 20.5265% | 3,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4288% | 1,969 |
| Loan loss allowance to noncurrent loans | 59.4961% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 1.5774% | 1,023 |
| Noncurrent loans to loans | 2.4014% | 664 |
| Net loans and leases to total assets | 64.7460% | 3,251 |
| Net loans and leases to deposits | 82.2353% | 2,640 |
| Net loans and leases to core deposits | 87.8316% | 2,690 |
| Total domestic deposits to total assets | 78.7326% | 4,858 |
| Equity capital to assets | 10.8702% | 2,740 |
| Core capital (leverage) ratio | 11.4170% | 1,997 |
| Tier 1 risk-based capital ratio | 13.8264% | 3,563 |
| Total risk-based capital ratio | 15.0788% | 3,470 |
| Memoranda: | ||
| Average total assets | $457,180,800 | 1,493 |
| Average earning assets | $441,192,800 | 1,445 |
| Average equity | $51,901,200 | 1,477 |
| Average total loans | $295,060,800 | 1,540 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1282% | 2,770 |
| Cost of funding earning assets | 0.6959% | 832 |
| Net interest margin | 3.4323% | 3,730 |
| Noninterest income to average assets | 0.1082% | 5,679 |
| Noninterest expense to average assets | 2.2927% | 4,550 |
| Loan and lease loss provision to assets | 0.0638% | 2,960 |
| Net operating income to assets | 0.7288% | 3,701 |
| Return on assets (ROA) | 0.8343% | 3,346 |
| Pretax return on assets | 1.2253% | 2,729 |
| Return on Equity (ROE) | 7.2619% | 3,421 |
| Retained earnings to average equity (ytd only) | 7.2619% | 1,495 |
| Net charge-offs to loans | 0.0028% | 3,841 |
| Credit loss provision to net charge-offs | 3,550.0000% | 145 |
| Earnings coverage of net charge-offs (x) | 630.8175% | 146 |
| Efficiency ratio | 66.9086% | 3,441 |
| Assets per employee ($millions) | 7.4172% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 2,794 |
| Loan loss allowance to noncurrent loans | 52.4321% | 4,670 |
| Noncurrent assets plus other real estate owned to assets | 1.5602% | 1,129 |
| Noncurrent loans to loans | 2.4434% | 730 |
| Net loans and leases to total assets | 63.0369% | 3,518 |
| Net loans and leases to deposits | 80.9314% | 2,861 |
| Net loans and leases to core deposits | 85.8862% | 2,959 |
| Total domestic deposits to total assets | 77.8893% | 4,931 |
| Equity capital to assets | 12.4404% | 1,813 |
| Core capital (leverage) ratio | 12.1665% | 1,563 |
| Tier 1 risk-based capital ratio | 15.2716% | 2,930 |
| Total risk-based capital ratio | 16.4578% | 2,892 |
| Memoranda: | ||
| Average total assets | $445,047,750 | 1,526 |
| Average earning assets | $430,299,500 | 1,472 |
| Average equity | $51,133,500 | 1,498 |
| Average total loans | $285,782,250 | 1,586 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1147% | 2,802 |
| Cost of funding earning assets | 0.6970% | 816 |
| Net interest margin | 3.4177% | 3,818 |
| Noninterest income to average assets | 0.0968% | 5,793 |
| Noninterest expense to average assets | 2.2413% | 4,751 |
| Loan and lease loss provision to assets | 0.0418% | 3,314 |
| Net operating income to assets | 0.7690% | 3,453 |
| Return on assets (ROA) | 0.8571% | 3,184 |
| Pretax return on assets | 1.2570% | 2,578 |
| Return on Equity (ROE) | 7.6810% | 3,156 |
| Retained earnings to average equity (ytd only) | 7.6810% | 1,297 |
| Net charge-offs to loans | -0.0007% | 4,309 |
| Credit loss provision to net charge-offs | -9,200.0000% | 5,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7162% | 3,723 |
| Assets per employee ($millions) | 7.6257% | 664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 2,887 |
| Loan loss allowance to noncurrent loans | 87.4191% | 3,961 |
| Noncurrent assets plus other real estate owned to assets | 0.9275% | 2,298 |
| Noncurrent loans to loans | 1.4680% | 1,498 |
| Net loans and leases to total assets | 62.3715% | 3,582 |
| Net loans and leases to deposits | 81.7543% | 2,737 |
| Net loans and leases to core deposits | 86.8392% | 2,831 |
| Total domestic deposits to total assets | 76.2914% | 5,253 |
| Equity capital to assets | 12.5961% | 1,711 |
| Core capital (leverage) ratio | 12.3311% | 1,439 |
| Tier 1 risk-based capital ratio | 15.9486% | 2,667 |
| Total risk-based capital ratio | 17.1818% | 2,612 |
| Memoranda: | ||
| Average total assets | $440,109,000 | 1,542 |
| Average earning assets | $426,714,670 | 1,489 |
| Average equity | $49,108,330 | 1,549 |
| Average total loans | $283,161,000 | 1,602 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1515% | 2,647 |
| Cost of funding earning assets | 0.7025% | 800 |
| Net interest margin | 3.4490% | 3,670 |
| Noninterest income to average assets | 0.0873% | 5,863 |
| Noninterest expense to average assets | 2.1755% | 4,966 |
| Loan and lease loss provision to assets | 0.0901% | 2,177 |
| Net operating income to assets | 0.7979% | 3,262 |
| Return on assets (ROA) | 0.8548% | 3,095 |
| Pretax return on assets | 1.2491% | 2,509 |
| Return on Equity (ROE) | 8.2071% | 2,800 |
| Retained earnings to average equity (ytd only) | 8.2071% | 1,373 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4074% | 4,235 |
| Assets per employee ($millions) | 7.9583% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2923% | 2,951 |
| Loan loss allowance to noncurrent loans | 51.4145% | 4,797 |
| Noncurrent assets plus other real estate owned to assets | 1.6232% | 1,218 |
| Noncurrent loans to loans | 2.5136% | 747 |
| Net loans and leases to total assets | 63.7442% | 3,275 |
| Net loans and leases to deposits | 81.2391% | 2,641 |
| Net loans and leases to core deposits | 86.3377% | 2,719 |
| Total domestic deposits to total assets | 78.4649% | 5,065 |
| Equity capital to assets | 10.5780% | 3,392 |
| Core capital (leverage) ratio | 10.2235% | 3,289 |
| Tier 1 risk-based capital ratio | 12.8736% | 4,343 |
| Total risk-based capital ratio | 14.0902% | 4,275 |
| Memoranda: | ||
| Average total assets | $435,205,000 | 1,564 |
| Average earning assets | $421,922,500 | 1,501 |
| Average equity | $45,326,500 | 1,666 |
| Average total loans | $282,607,500 | 1,604 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2137% | 2,517 |
| Cost of funding earning assets | 0.7455% | 655 |
| Net interest margin | 3.4682% | 3,645 |
| Noninterest income to average assets | 0.1101% | 5,844 |
| Noninterest expense to average assets | 2.3560% | 4,627 |
| Loan and lease loss provision to assets | 0.0581% | 3,151 |
| Net operating income to assets | 0.7082% | 3,772 |
| Return on assets (ROA) | 0.7754% | 3,514 |
| Pretax return on assets | 1.1388% | 2,891 |
| Return on Equity (ROE) | 7.3525% | 3,333 |
| Retained earnings to average equity (ytd only) | 7.3525% | 1,146 |
| Net charge-offs to loans | -0.0041% | 4,947 |
| Credit loss provision to net charge-offs | -2,163.6364% | 5,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2094% | 3,527 |
| Assets per employee ($millions) | 8.0130% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2582% | 3,120 |
| Loan loss allowance to noncurrent loans | 111.6170% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 0.7361% | 2,852 |
| Noncurrent loans to loans | 1.1272% | 2,088 |
| Net loans and leases to total assets | 64.4771% | 3,202 |
| Net loans and leases to deposits | 82.0541% | 2,579 |
| Net loans and leases to core deposits | 86.7699% | 2,725 |
| Total domestic deposits to total assets | 78.5787% | 5,055 |
| Equity capital to assets | 10.2500% | 3,681 |
| Core capital (leverage) ratio | 9.9954% | 3,517 |
| Tier 1 risk-based capital ratio | 12.6753% | 4,520 |
| Total risk-based capital ratio | 13.8707% | 4,449 |
| Memoranda: | ||
| Average total assets | $409,727,800 | 1,613 |
| Average earning assets | $395,041,000 | 1,547 |
| Average equity | $43,209,600 | 1,698 |
| Average total loans | $266,485,000 | 1,639 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2160% | 2,520 |
| Cost of funding earning assets | 0.7455% | 665 |
| Net interest margin | 3.4705% | 3,663 |
| Noninterest income to average assets | 0.1116% | 5,908 |
| Noninterest expense to average assets | 2.3957% | 4,523 |
| Loan and lease loss provision to assets | 0.0366% | 3,483 |
| Net operating income to assets | 0.6956% | 3,920 |
| Return on assets (ROA) | 0.7726% | 3,658 |
| Pretax return on assets | 1.1357% | 3,068 |
| Return on Equity (ROE) | 7.2716% | 3,485 |
| Retained earnings to average equity (ytd only) | 7.2716% | 1,557 |
| Net charge-offs to loans | 0.0036% | 4,059 |
| Credit loss provision to net charge-offs | 1,585.7143% | 225 |
| Earnings coverage of net charge-offs (x) | 458.5809% | 159 |
| Efficiency ratio | 69.3447% | 3,322 |
| Assets per employee ($millions) | 7.5229% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2733% | 3,243 |
| Loan loss allowance to noncurrent loans | 107.3002% | 3,529 |
| Noncurrent assets plus other real estate owned to assets | 0.7681% | 2,979 |
| Noncurrent loans to loans | 1.1867% | 2,152 |
| Net loans and leases to total assets | 63.8993% | 3,323 |
| Net loans and leases to deposits | 82.4512% | 2,592 |
| Net loans and leases to core deposits | 89.0222% | 2,559 |
| Total domestic deposits to total assets | 77.4996% | 5,264 |
| Equity capital to assets | 10.7070% | 3,349 |
| Core capital (leverage) ratio | 10.3358% | 3,214 |
| Tier 1 risk-based capital ratio | 13.2454% | 4,291 |
| Total risk-based capital ratio | 14.4731% | 4,228 |
| Memoranda: | ||
| Average total assets | $403,984,500 | 1,647 |
| Average earning assets | $389,170,500 | 1,579 |
| Average equity | $42,924,000 | 1,719 |
| Average total loans | $262,469,250 | 1,667 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2243% | 2,456 |
| Cost of funding earning assets | 0.7502% | 646 |
| Net interest margin | 3.4741% | 3,605 |
| Noninterest income to average assets | 0.1233% | 5,935 |
| Noninterest expense to average assets | 2.3862% | 4,594 |
| Loan and lease loss provision to assets | 0.0230% | 3,673 |
| Net operating income to assets | 0.7162% | 3,813 |
| Return on assets (ROA) | 0.7851% | 3,566 |
| Pretax return on assets | 1.1624% | 2,932 |
| Return on Equity (ROE) | 7.4085% | 3,367 |
| Retained earnings to average equity (ytd only) | 7.4085% | 1,513 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7617% | 3,543 |
| Assets per employee ($millions) | 7.5798% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2714% | 3,388 |
| Loan loss allowance to noncurrent loans | 104.6519% | 3,607 |
| Noncurrent assets plus other real estate owned to assets | 0.7825% | 3,039 |
| Noncurrent loans to loans | 1.2149% | 2,223 |
| Net loans and leases to total assets | 63.5948% | 3,327 |
| Net loans and leases to deposits | 79.9918% | 2,780 |
| Net loans and leases to core deposits | 87.1638% | 2,643 |
| Total domestic deposits to total assets | 79.5017% | 4,980 |
| Equity capital to assets | 10.5271% | 3,413 |
| Core capital (leverage) ratio | 10.4705% | 3,003 |
| Tier 1 risk-based capital ratio | 13.3347% | 4,325 |
| Total risk-based capital ratio | 14.5612% | 4,266 |
| Memoranda: | ||
| Average total assets | $400,727,000 | 1,668 |
| Average earning assets | $386,055,330 | 1,602 |
| Average equity | $42,465,000 | 1,741 |
| Average total loans | $260,693,000 | 1,682 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2248% | 2,369 |
| Cost of funding earning assets | 0.7714% | 585 |
| Net interest margin | 3.4534% | 3,616 |
| Noninterest income to average assets | 0.1423% | 5,897 |
| Noninterest expense to average assets | 2.3015% | 4,879 |
| Loan and lease loss provision to assets | 0.1362% | 1,518 |
| Net operating income to assets | 0.6962% | 3,823 |
| Return on assets (ROA) | 0.8354% | 3,207 |
| Pretax return on assets | 1.2340% | 2,534 |
| Return on Equity (ROE) | 7.8570% | 3,032 |
| Retained earnings to average equity (ytd only) | 7.8570% | 1,623 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3853% | 4,083 |
| Assets per employee ($millions) | 7.1162% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3149% | 3,320 |
| Loan loss allowance to noncurrent loans | 100.7613% | 3,673 |
| Noncurrent assets plus other real estate owned to assets | 0.8569% | 2,935 |
| Noncurrent loans to loans | 1.3050% | 2,203 |
| Net loans and leases to total assets | 64.8026% | 2,975 |
| Net loans and leases to deposits | 82.2254% | 2,316 |
| Net loans and leases to core deposits | 89.7004% | 2,156 |
| Total domestic deposits to total assets | 78.8109% | 5,297 |
| Equity capital to assets | 10.7338% | 3,286 |
| Core capital (leverage) ratio | 10.3055% | 3,209 |
| Tier 1 risk-based capital ratio | 12.9451% | 4,632 |
| Total risk-based capital ratio | 14.1519% | 4,579 |
| Memoranda: | ||
| Average total assets | $396,437,000 | 1,689 |
| Average earning assets | $381,650,000 | 1,626 |
| Average equity | $42,153,500 | 1,758 |
| Average total loans | $259,214,500 | 1,690 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3514% | 2,403 |
| Cost of funding earning assets | 0.7482% | 853 |
| Net interest margin | 3.6032% | 3,405 |
| Noninterest income to average assets | 0.1282% | 6,050 |
| Noninterest expense to average assets | 2.4310% | 4,757 |
| Loan and lease loss provision to assets | -0.0130% | 5,924 |
| Net operating income to assets | 0.5978% | 4,378 |
| Return on assets (ROA) | 0.7223% | 3,892 |
| Pretax return on assets | 1.3723% | 1,991 |
| Return on Equity (ROE) | 6.5727% | 3,861 |
| Retained earnings to average equity (ytd only) | 5.3343% | 2,385 |
| Net charge-offs to loans | 0.2136% | 1,957 |
| Credit loss provision to net charge-offs | -9.4675% | 5,310 |
| Earnings coverage of net charge-offs (x) | 8.4576% | 2,877 |
| Efficiency ratio | 67.6084% | 3,962 |
| Assets per employee ($millions) | 7.0423% | 828 |
| Cash dividends to net income (ytd only)* | 18.8417% | 3,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2877% | 3,496 |
| Loan loss allowance to noncurrent loans | 110.7167% | 3,489 |
| Noncurrent assets plus other real estate owned to assets | 0.7572% | 3,316 |
| Noncurrent loans to loans | 1.1630% | 2,508 |
| Net loans and leases to total assets | 64.2648% | 3,184 |
| Net loans and leases to deposits | 79.9553% | 2,719 |
| Net loans and leases to core deposits | 87.1466% | 2,598 |
| Total domestic deposits to total assets | 80.3759% | 4,918 |
| Equity capital to assets | 10.5313% | 3,439 |
| Core capital (leverage) ratio | 10.6409% | 2,788 |
| Tier 1 risk-based capital ratio | 13.5590% | 4,379 |
| Total risk-based capital ratio | 14.7439% | 4,357 |
| Memoranda: | ||
| Average total assets | $368,153,800 | 1,763 |
| Average earning assets | $354,300,000 | 1,691 |
| Average equity | $40,455,200 | 1,760 |
| Average total loans | $237,381,200 | 1,780 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3303% | 2,501 |
| Cost of funding earning assets | 0.7427% | 930 |
| Net interest margin | 3.5876% | 3,477 |
| Noninterest income to average assets | 0.1294% | 6,122 |
| Noninterest expense to average assets | 2.5305% | 4,428 |
| Loan and lease loss provision to assets | -0.0719% | 6,231 |
| Net operating income to assets | 0.6928% | 3,979 |
| Return on assets (ROA) | 0.8211% | 3,423 |
| Pretax return on assets | 1.3233% | 2,295 |
| Return on Equity (ROE) | 7.3888% | 3,501 |
| Retained earnings to average equity (ytd only) | 7.3888% | 1,627 |
| Net charge-offs to loans | 0.2913% | 1,351 |
| Credit loss provision to net charge-offs | -38.3858% | 5,321 |
| Earnings coverage of net charge-offs (x) | 5.6102% | 3,229 |
| Efficiency ratio | 70.6579% | 3,397 |
| Assets per employee ($millions) | 6.8408% | 864 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3065% | 3,608 |
| Loan loss allowance to noncurrent loans | 85.5131% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 0.9471% | 3,074 |
| Noncurrent loans to loans | 1.5278% | 2,119 |
| Net loans and leases to total assets | 61.1798% | 3,599 |
| Net loans and leases to deposits | 75.4319% | 3,251 |
| Net loans and leases to core deposits | 82.7745% | 3,029 |
| Total domestic deposits to total assets | 81.1060% | 4,794 |
| Equity capital to assets | 10.5622% | 3,482 |
| Core capital (leverage) ratio | 10.9073% | 2,572 |
| Tier 1 risk-based capital ratio | 14.0187% | 4,202 |
| Total risk-based capital ratio | 15.2169% | 4,180 |
| Memoranda: | ||
| Average total assets | $361,600,500 | 1,813 |
| Average earning assets | $347,926,000 | 1,729 |
| Average equity | $40,186,000 | 1,784 |
| Average total loans | $232,540,250 | 1,813 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3451% | 2,405 |
| Cost of funding earning assets | 0.7409% | 963 |
| Net interest margin | 3.6042% | 3,347 |
| Noninterest income to average assets | 0.1323% | 6,156 |
| Noninterest expense to average assets | 2.6051% | 4,226 |
| Loan and lease loss provision to assets | -0.2624% | 6,512 |
| Net operating income to assets | 0.7720% | 3,457 |
| Return on assets (ROA) | 0.9320% | 2,744 |
| Pretax return on assets | 1.5039% | 1,526 |
| Return on Equity (ROE) | 8.2353% | 2,966 |
| Retained earnings to average equity (ytd only) | 8.2353% | 1,235 |
| Net charge-offs to loans | 0.1891% | 1,896 |
| Credit loss provision to net charge-offs | -212.9032% | 5,403 |
| Earnings coverage of net charge-offs (x) | 8.0461% | 2,543 |
| Efficiency ratio | 72.4301% | 3,258 |
| Assets per employee ($millions) | 6.4234% | 1,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3698% | 3,487 |
| Loan loss allowance to noncurrent loans | 83.9578% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.0351% | 2,998 |
| Noncurrent loans to loans | 1.6315% | 2,132 |
| Net loans and leases to total assets | 62.5779% | 3,307 |
| Net loans and leases to deposits | 77.5834% | 2,852 |
| Net loans and leases to core deposits | 85.0440% | 2,609 |
| Total domestic deposits to total assets | 80.6588% | 5,080 |
| Equity capital to assets | 11.1911% | 2,703 |
| Core capital (leverage) ratio | 11.3377% | 2,128 |
| Tier 1 risk-based capital ratio | 14.5457% | 3,897 |
| Total risk-based capital ratio | 15.7895% | 3,844 |
| Memoranda: | ||
| Average total assets | $352,158,000 | 1,864 |
| Average earning assets | $338,494,000 | 1,779 |
| Average equity | $39,853,000 | 1,784 |
| Average total loans | $229,482,000 | 1,826 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3584% | 2,299 |
| Cost of funding earning assets | 0.7401% | 1,015 |
| Net interest margin | 3.6183% | 3,182 |
| Noninterest income to average assets | 0.1147% | 6,281 |
| Noninterest expense to average assets | 2.6665% | 4,053 |
| Loan and lease loss provision to assets | 0.2063% | 1,121 |
| Net operating income to assets | 0.4449% | 4,951 |
| Return on assets (ROA) | 0.7579% | 3,454 |
| Pretax return on assets | 1.2040% | 2,473 |
| Return on Equity (ROE) | 6.6578% | 3,659 |
| Retained earnings to average equity (ytd only) | 6.6578% | 2,208 |
| Net charge-offs to loans | 0.1736% | 1,676 |
| Credit loss provision to net charge-offs | 179.7980% | 1,122 |
| Earnings coverage of net charge-offs (x) | 8.0303% | 2,062 |
| Efficiency ratio | 74.3217% | 3,079 |
| Assets per employee ($millions) | 6.4455% | 1,041 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6737% | 2,432 |
| Loan loss allowance to noncurrent loans | 60.3739% | 4,826 |
| Noncurrent assets plus other real estate owned to assets | 1.8409% | 1,888 |
| Noncurrent loans to loans | 2.7722% | 1,212 |
| Net loans and leases to total assets | 65.2926% | 2,677 |
| Net loans and leases to deposits | 81.0188% | 2,157 |
| Net loans and leases to core deposits | 88.7366% | 2,022 |
| Total domestic deposits to total assets | 80.5895% | 5,358 |
| Equity capital to assets | 11.1734% | 2,554 |
| Core capital (leverage) ratio | 11.3713% | 2,077 |
| Tier 1 risk-based capital ratio | 14.4769% | 4,021 |
| Total risk-based capital ratio | 15.7305% | 3,971 |
| Memoranda: | ||
| Average total assets | $345,171,500 | 1,903 |
| Average earning assets | $331,315,000 | 1,821 |
| Average equity | $39,292,500 | 1,796 |
| Average total loans | $228,073,500 | 1,838 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4946% | 2,228 |
| Cost of funding earning assets | 0.7221% | 1,666 |
| Net interest margin | 3.7724% | 2,753 |
| Noninterest income to average assets | 0.1754% | 6,036 |
| Noninterest expense to average assets | 2.6481% | 4,287 |
| Loan and lease loss provision to assets | 0.4078% | 731 |
| Net operating income to assets | 0.4754% | 4,835 |
| Return on assets (ROA) | 0.4824% | 4,948 |
| Pretax return on assets | 0.7483% | 4,351 |
| Return on Equity (ROE) | 3.9379% | 5,142 |
| Retained earnings to average equity (ytd only) | 2.6568% | 4,356 |
| Net charge-offs to loans | 0.0066% | 5,325 |
| Credit loss provision to net charge-offs | 10,015.3846% | 23 |
| Earnings coverage of net charge-offs (x) | 281.2308% | 160 |
| Efficiency ratio | 69.8101% | 3,867 |
| Assets per employee ($millions) | 6.2192% | 1,129 |
| Cash dividends to net income (ytd only)* | 32.5325% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7491% | 2,238 |
| Loan loss allowance to noncurrent loans | 105.3479% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 1.0913% | 3,224 |
| Noncurrent loans to loans | 1.6603% | 2,417 |
| Net loans and leases to total assets | 64.5789% | 2,940 |
| Net loans and leases to deposits | 81.1544% | 2,303 |
| Net loans and leases to core deposits | 87.9874% | 2,246 |
| Total domestic deposits to total assets | 79.5753% | 5,537 |
| Equity capital to assets | 11.6053% | 2,094 |
| Core capital (leverage) ratio | 12.1792% | 1,506 |
| Tier 1 risk-based capital ratio | 14.5913% | 3,908 |
| Total risk-based capital ratio | 15.8448% | 3,840 |
| Memoranda: | ||
| Average total assets | $319,247,600 | 2,013 |
| Average earning assets | $306,170,800 | 1,932 |
| Average equity | $39,106,800 | 1,787 |
| Average total loans | $197,993,200 | 2,019 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4972% | 2,238 |
| Cost of funding earning assets | 0.7312% | 1,731 |
| Net interest margin | 3.7661% | 2,780 |
| Noninterest income to average assets | 0.1642% | 6,206 |
| Noninterest expense to average assets | 2.5375% | 4,589 |
| Loan and lease loss provision to assets | 0.4841% | 571 |
| Net operating income to assets | 0.4860% | 4,860 |
| Return on assets (ROA) | 0.4955% | 4,979 |
| Pretax return on assets | 0.7688% | 4,424 |
| Return on Equity (ROE) | 3.9890% | 5,226 |
| Retained earnings to average equity (ytd only) | 3.9890% | 3,857 |
| Net charge-offs to loans | 0.0423% | 4,306 |
| Credit loss provision to net charge-offs | 1,875.4098% | 174 |
| Earnings coverage of net charge-offs (x) | 47.9680% | 892 |
| Efficiency ratio | 67.2083% | 4,260 |
| Assets per employee ($millions) | 6.5073% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7817% | 2,362 |
| Loan loss allowance to noncurrent loans | 96.6675% | 3,554 |
| Noncurrent assets plus other real estate owned to assets | 1.1858% | 3,285 |
| Noncurrent loans to loans | 1.8431% | 2,441 |
| Net loans and leases to total assets | 63.1889% | 3,131 |
| Net loans and leases to deposits | 79.0155% | 2,532 |
| Net loans and leases to core deposits | 85.6872% | 2,443 |
| Total domestic deposits to total assets | 79.9702% | 5,518 |
| Equity capital to assets | 12.3317% | 1,685 |
| Core capital (leverage) ratio | 12.1637% | 1,582 |
| Tier 1 risk-based capital ratio | 15.4879% | 3,479 |
| Total risk-based capital ratio | 16.7418% | 3,431 |
| Memoranda: | ||
| Average total assets | $315,099,750 | 2,055 |
| Average earning assets | $302,164,750 | 1,969 |
| Average equity | $39,139,750 | 1,800 |
| Average total loans | $192,306,000 | 2,073 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3963% | 2,577 |
| Cost of funding earning assets | 0.7363% | 1,799 |
| Net interest margin | 3.6601% | 3,135 |
| Noninterest income to average assets | 0.1670% | 6,216 |
| Noninterest expense to average assets | 2.5089% | 4,691 |
| Loan and lease loss provision to assets | 0.1517% | 2,428 |
| Net operating income to assets | 0.6434% | 4,094 |
| Return on assets (ROA) | 0.6576% | 4,191 |
| Pretax return on assets | 1.0355% | 3,347 |
| Return on Equity (ROE) | 5.2816% | 4,576 |
| Retained earnings to average equity (ytd only) | 5.2816% | 2,874 |
| Net charge-offs to loans | 0.0691% | 3,723 |
| Credit loss provision to net charge-offs | 366.1538% | 709 |
| Earnings coverage of net charge-offs (x) | 28.1231% | 1,197 |
| Efficiency ratio | 68.2914% | 4,127 |
| Assets per employee ($millions) | 6.4572% | 921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3591% | 4,217 |
| Loan loss allowance to noncurrent loans | 154.4738% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.5616% | 4,843 |
| Noncurrent loans to loans | 0.8798% | 4,165 |
| Net loans and leases to total assets | 62.9680% | 3,106 |
| Net loans and leases to deposits | 78.7945% | 2,481 |
| Net loans and leases to core deposits | 85.6150% | 2,372 |
| Total domestic deposits to total assets | 79.9142% | 5,623 |
| Equity capital to assets | 12.2878% | 1,714 |
| Core capital (leverage) ratio | 12.5936% | 1,324 |
| Tier 1 risk-based capital ratio | 15.6189% | 3,414 |
| Total risk-based capital ratio | 16.8131% | 3,399 |
| Memoranda: | ||
| Average total assets | $313,846,330 | 2,068 |
| Average earning assets | $300,704,330 | 1,984 |
| Average equity | $39,079,330 | 1,793 |
| Average total loans | $188,028,330 | 2,123 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3455% | 2,709 |
| Cost of funding earning assets | 0.7638% | 1,758 |
| Net interest margin | 3.5818% | 3,336 |
| Noninterest income to average assets | 0.1625% | 6,289 |
| Noninterest expense to average assets | 2.5812% | 4,465 |
| Loan and lease loss provision to assets | -0.0448% | 6,783 |
| Net operating income to assets | 0.6642% | 3,878 |
| Return on assets (ROA) | 0.6642% | 4,036 |
| Pretax return on assets | 1.0468% | 3,161 |
| Return on Equity (ROE) | 5.2987% | 4,403 |
| Retained earnings to average equity (ytd only) | 5.2987% | 3,054 |
| Net charge-offs to loans | 0.0133% | 3,879 |
| Credit loss provision to net charge-offs | -583.3333% | 5,513 |
| Earnings coverage of net charge-offs (x) | 130.5000% | 297 |
| Efficiency ratio | 72.0357% | 3,608 |
| Assets per employee ($millions) | 6.5825% | 951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3905% | 4,290 |
| Loan loss allowance to noncurrent loans | 135.9291% | 2,594 |
| Noncurrent assets plus other real estate owned to assets | 0.5893% | 4,917 |
| Noncurrent loans to loans | 1.0229% | 4,088 |
| Net loans and leases to total assets | 56.8084% | 3,960 |
| Net loans and leases to deposits | 71.2978% | 3,282 |
| Net loans and leases to core deposits | 77.8208% | 3,097 |
| Total domestic deposits to total assets | 79.6776% | 5,826 |
| Equity capital to assets | 12.4578% | 1,738 |
| Core capital (leverage) ratio | 12.2207% | 1,447 |
| Tier 1 risk-based capital ratio | 16.5175% | 2,990 |
| Total risk-based capital ratio | 17.6887% | 2,992 |
| Memoranda: | ||
| Average total assets | $312,568,500 | 2,099 |
| Average earning assets | $298,512,500 | 2,016 |
| Average equity | $39,179,500 | 1,809 |
| Average total loans | $181,054,000 | 2,200 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6988% | 2,600 |
| Cost of funding earning assets | 0.9382% | 1,718 |
| Net interest margin | 3.7606% | 3,389 |
| Noninterest income to average assets | 0.0531% | 6,675 |
| Noninterest expense to average assets | 2.3515% | 5,559 |
| Loan and lease loss provision to assets | 0.1628% | 3,579 |
| Net operating income to assets | 0.7004% | 3,738 |
| Return on assets (ROA) | 0.7881% | 3,587 |
| Pretax return on assets | 1.2584% | 2,579 |
| Return on Equity (ROE) | 6.6078% | 3,855 |
| Retained earnings to average equity (ytd only) | 5.2900% | 2,506 |
| Net charge-offs to loans | 0.0537% | 5,180 |
| Credit loss provision to net charge-offs | 551.0638% | 441 |
| Earnings coverage of net charge-offs (x) | 43.4574% | 747 |
| Efficiency ratio | 64.6779% | 4,763 |
| Assets per employee ($millions) | 6.1835% | 1,176 |
| Cash dividends to net income (ytd only)* | 19.9442% | 3,746 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 4,022 |
| Loan loss allowance to noncurrent loans | 408.9030% | 974 |
| Noncurrent assets plus other real estate owned to assets | 0.2034% | 6,050 |
| Noncurrent loans to loans | 0.3493% | 5,613 |
| Net loans and leases to total assets | 57.4147% | 4,062 |
| Net loans and leases to deposits | 72.4421% | 3,339 |
| Net loans and leases to core deposits | 78.6359% | 3,177 |
| Total domestic deposits to total assets | 79.2561% | 5,836 |
| Equity capital to assets | 12.6132% | 1,633 |
| Core capital (leverage) ratio | 11.9191% | 1,609 |
| Tier 1 risk-based capital ratio | 16.1570% | 3,073 |
| Total risk-based capital ratio | 17.3061% | 3,082 |
| Memoranda: | ||
| Average total assets | $318,095,600 | 2,016 |
| Average earning assets | $303,036,200 | 1,954 |
| Average equity | $37,939,800 | 1,830 |
| Average total loans | $175,032,800 | 2,259 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7315% | 2,664 |
| Cost of funding earning assets | 0.9636% | 1,763 |
| Net interest margin | 3.7679% | 3,476 |
| Noninterest income to average assets | 0.0379% | 6,843 |
| Noninterest expense to average assets | 2.2922% | 5,705 |
| Loan and lease loss provision to assets | 0.1940% | 3,152 |
| Net operating income to assets | 0.7133% | 3,860 |
| Return on assets (ROA) | 0.7813% | 3,786 |
| Pretax return on assets | 1.2499% | 2,789 |
| Return on Equity (ROE) | 6.6425% | 3,993 |
| Retained earnings to average equity (ytd only) | 6.6425% | 2,308 |
| Net charge-offs to loans | 0.0123% | 5,533 |
| Credit loss provision to net charge-offs | 2,912.5000% | 93 |
| Earnings coverage of net charge-offs (x) | 200.9015% | 225 |
| Efficiency ratio | 63.1464% | 4,951 |
| Assets per employee ($millions) | 6.3109% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4007% | 4,373 |
| Loan loss allowance to noncurrent loans | 358.3448% | 1,039 |
| Noncurrent assets plus other real estate owned to assets | 0.2209% | 6,154 |
| Noncurrent loans to loans | 0.3909% | 5,677 |
| Net loans and leases to total assets | 55.7282% | 4,497 |
| Net loans and leases to deposits | 69.3246% | 3,984 |
| Net loans and leases to core deposits | 74.7897% | 3,880 |
| Total domestic deposits to total assets | 80.3874% | 5,553 |
| Equity capital to assets | 11.9187% | 2,334 |
| Core capital (leverage) ratio | 11.5447% | 1,956 |
| Tier 1 risk-based capital ratio | 15.6438% | 3,457 |
| Total risk-based capital ratio | 16.7817% | 3,478 |
| Memoranda: | ||
| Average total assets | $320,325,750 | 2,029 |
| Average earning assets | $305,378,500 | 1,954 |
| Average equity | $37,675,500 | 1,860 |
| Average total loans | $173,770,000 | 2,299 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6886% | 2,962 |
| Cost of funding earning assets | 0.9935% | 1,800 |
| Net interest margin | 3.6951% | 3,847 |
| Noninterest income to average assets | 0.0283% | 6,921 |
| Noninterest expense to average assets | 2.3216% | 5,673 |
| Loan and lease loss provision to assets | 0.2738% | 2,395 |
| Net operating income to assets | 0.5929% | 4,400 |
| Return on assets (ROA) | 0.6925% | 4,170 |
| Pretax return on assets | 1.1073% | 3,280 |
| Return on Equity (ROE) | 5.9146% | 4,363 |
| Retained earnings to average equity (ytd only) | 5.9146% | 2,756 |
| Net charge-offs to loans | 0.0106% | 5,310 |
| Credit loss provision to net charge-offs | 4,833.3333% | 61 |
| Earnings coverage of net charge-offs (x) | 216.3333% | 203 |
| Efficiency ratio | 65.4481% | 4,633 |
| Assets per employee ($millions) | 6.4724% | 973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3989% | 4,475 |
| Loan loss allowance to noncurrent loans | 163.3249% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.4774% | 5,571 |
| Noncurrent loans to loans | 0.8565% | 4,797 |
| Net loans and leases to total assets | 54.9613% | 4,637 |
| Net loans and leases to deposits | 67.8407% | 4,228 |
| Net loans and leases to core deposits | 73.8486% | 4,056 |
| Total domestic deposits to total assets | 81.0153% | 5,465 |
| Equity capital to assets | 11.4517% | 2,633 |
| Core capital (leverage) ratio | 11.3815% | 1,983 |
| Tier 1 risk-based capital ratio | 15.3143% | 3,568 |
| Total risk-based capital ratio | 16.4455% | 3,596 |
| Memoranda: | ||
| Average total assets | $317,712,330 | 2,038 |
| Average earning assets | $302,565,000 | 1,966 |
| Average equity | $37,196,330 | 1,872 |
| Average total loans | $169,867,000 | 2,348 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8853% | 2,302 |
| Cost of funding earning assets | 1.0325% | 1,791 |
| Net interest margin | 3.8528% | 3,127 |
| Noninterest income to average assets | 0.0308% | 7,006 |
| Noninterest expense to average assets | 2.1815% | 6,089 |
| Loan and lease loss provision to assets | 0.2851% | 2,183 |
| Net operating income to assets | 0.7493% | 3,628 |
| Return on assets (ROA) | 0.9104% | 3,092 |
| Pretax return on assets | 1.4715% | 1,958 |
| Return on Equity (ROE) | 7.6869% | 3,416 |
| Retained earnings to average equity (ytd only) | 7.6869% | 2,095 |
| Net charge-offs to loans | -0.0049% | 5,790 |
| Credit loss provision to net charge-offs | -11,100.0000% | 6,247 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1780% | 5,745 |
| Assets per employee ($millions) | 7.5316% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4054% | 4,583 |
| Loan loss allowance to noncurrent loans | 148.1574% | 2,191 |
| Noncurrent assets plus other real estate owned to assets | 0.5953% | 5,402 |
| Noncurrent loans to loans | 0.9486% | 4,780 |
| Net loans and leases to total assets | 51.3808% | 5,094 |
| Net loans and leases to deposits | 61.6486% | 4,965 |
| Net loans and leases to core deposits | 67.1382% | 4,785 |
| Total domestic deposits to total assets | 83.3447% | 4,791 |
| Equity capital to assets | 11.4722% | 2,463 |
| Core capital (leverage) ratio | 11.6644% | 1,798 |
| Tier 1 risk-based capital ratio | 15.7959% | 3,288 |
| Total risk-based capital ratio | 16.8790% | 3,345 |
| Memoranda: | ||
| Average total assets | $311,522,500 | 2,083 |
| Average earning assets | $295,579,500 | 2,011 |
| Average equity | $36,894,000 | 1,886 |
| Average total loans | $162,802,000 | 2,437 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8393% | 3,629 |
| Cost of funding earning assets | 1.1671% | 2,235 |
| Net interest margin | 3.6722% | 4,422 |
| Noninterest income to average assets | 0.0749% | 6,738 |
| Noninterest expense to average assets | 2.1042% | 6,483 |
| Loan and lease loss provision to assets | 0.1401% | 4,867 |
| Net operating income to assets | 0.7783% | 3,142 |
| Return on assets (ROA) | 0.8955% | 2,757 |
| Pretax return on assets | 1.4587% | 1,603 |
| Return on Equity (ROE) | 7.4504% | 3,174 |
| Retained earnings to average equity (ytd only) | 7.4504% | 1,288 |
| Net charge-offs to loans | -0.0050% | 6,839 |
| Credit loss provision to net charge-offs | -5,771.4286% | 6,945 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7793% | 5,794 |
| Assets per employee ($millions) | 7.2972% | 629 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3696% | 4,600 |
| Loan loss allowance to noncurrent loans | 368.4391% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 6,212 |
| Noncurrent loans to loans | 0.3717% | 5,977 |
| Net loans and leases to total assets | 51.7011% | 5,362 |
| Net loans and leases to deposits | 62.9275% | 5,128 |
| Net loans and leases to core deposits | 69.1217% | 4,895 |
| Total domestic deposits to total assets | 82.1599% | 5,072 |
| Equity capital to assets | 12.2446% | 1,940 |
| Core capital (leverage) ratio | 11.9286% | 1,642 |
| Tier 1 risk-based capital ratio | 16.3914% | 2,867 |
| Total risk-based capital ratio | 17.4494% | 2,921 |
| Memoranda: | ||
| Average total assets | $288,331,800 | 2,208 |
| Average earning assets | $270,492,600 | 2,161 |
| Average equity | $34,656,000 | 1,935 |
| Average total loans | $139,145,000 | 2,807 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8838% | 3,627 |
| Cost of funding earning assets | 1.1990% | 2,323 |
| Net interest margin | 3.6848% | 4,406 |
| Noninterest income to average assets | 0.0808% | 6,836 |
| Noninterest expense to average assets | 2.1147% | 6,481 |
| Loan and lease loss provision to assets | 0.1232% | 4,895 |
| Net operating income to assets | 0.7788% | 3,258 |
| Return on assets (ROA) | 0.9103% | 2,838 |
| Pretax return on assets | 1.4840% | 1,692 |
| Return on Equity (ROE) | 7.6107% | 3,220 |
| Retained earnings to average equity (ytd only) | 7.6107% | 1,659 |
| Net charge-offs to loans | 0.0030% | 6,157 |
| Credit loss provision to net charge-offs | 8,800.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 1,000.9750% | 26 |
| Efficiency ratio | 60.1354% | 5,698 |
| Assets per employee ($millions) | 7.5519% | 566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3996% | 4,564 |
| Loan loss allowance to noncurrent loans | 253.8755% | 1,223 |
| Noncurrent assets plus other real estate owned to assets | 0.3688% | 6,154 |
| Noncurrent loans to loans | 0.5513% | 5,763 |
| Net loans and leases to total assets | 46.5982% | 6,095 |
| Net loans and leases to deposits | 56.5091% | 5,983 |
| Net loans and leases to core deposits | 61.1727% | 5,892 |
| Total domestic deposits to total assets | 82.4614% | 4,896 |
| Equity capital to assets | 11.9490% | 2,293 |
| Core capital (leverage) ratio | 11.3023% | 2,158 |
| Tier 1 risk-based capital ratio | 16.8156% | 2,713 |
| Total risk-based capital ratio | 17.8935% | 2,755 |
| Memoranda: | ||
| Average total assets | $285,618,500 | 2,233 |
| Average earning assets | $266,316,000 | 2,202 |
| Average equity | $34,161,500 | 1,964 |
| Average total loans | $134,723,750 | 2,926 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9267% | 3,503 |
| Cost of funding earning assets | 1.2195% | 2,445 |
| Net interest margin | 3.7072% | 4,226 |
| Noninterest income to average assets | 0.0778% | 6,934 |
| Noninterest expense to average assets | 2.1318% | 6,534 |
| Loan and lease loss provision to assets | 0.1656% | 4,278 |
| Net operating income to assets | 0.7368% | 3,354 |
| Return on assets (ROA) | 0.7368% | 3,474 |
| Pretax return on assets | 1.2094% | 2,445 |
| Return on Equity (ROE) | 6.1581% | 3,884 |
| Retained earnings to average equity (ytd only) | 6.1581% | 2,326 |
| Net charge-offs to loans | 0.0151% | 5,634 |
| Credit loss provision to net charge-offs | 2,320.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 192.6000% | 192 |
| Efficiency ratio | 60.7899% | 5,762 |
| Assets per employee ($millions) | 7.6969% | 515 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 4,467 |
| Loan loss allowance to noncurrent loans | 308.0189% | 1,022 |
| Noncurrent assets plus other real estate owned to assets | 0.3208% | 6,326 |
| Noncurrent loans to loans | 0.4621% | 5,988 |
| Net loans and leases to total assets | 45.1926% | 6,335 |
| Net loans and leases to deposits | 53.1683% | 6,373 |
| Net loans and leases to core deposits | 58.9399% | 6,197 |
| Total domestic deposits to total assets | 84.9990% | 3,878 |
| Equity capital to assets | 11.4681% | 2,534 |
| Core capital (leverage) ratio | 11.3417% | 2,018 |
| Tier 1 risk-based capital ratio | 16.5503% | 2,717 |
| Total risk-based capital ratio | 17.6318% | 2,754 |
| Memoranda: | ||
| Average total assets | $280,132,670 | 2,291 |
| Average earning assets | $259,116,670 | 2,262 |
| Average equity | $33,517,000 | 1,980 |
| Average total loans | $132,045,000 | 3,002 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9228% | 3,463 |
| Cost of funding earning assets | 1.2231% | 2,666 |
| Net interest margin | 3.6997% | 4,105 |
| Noninterest income to average assets | 0.0740% | 7,017 |
| Noninterest expense to average assets | 2.2036% | 6,416 |
| Loan and lease loss provision to assets | 0.2281% | 3,378 |
| Net operating income to assets | 0.6486% | 3,756 |
| Return on assets (ROA) | 0.6486% | 3,834 |
| Pretax return on assets | 1.0648% | 2,885 |
| Return on Equity (ROE) | 5.2990% | 4,243 |
| Retained earnings to average equity (ytd only) | 5.2990% | 3,009 |
| Net charge-offs to loans | -0.0124% | 6,427 |
| Credit loss provision to net charge-offs | -3,850.0000% | 6,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0241% | 5,524 |
| Assets per employee ($millions) | 7.6398% | 548 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4126% | 4,599 |
| Loan loss allowance to noncurrent loans | 370.1172% | 844 |
| Noncurrent assets plus other real estate owned to assets | 0.2968% | 6,454 |
| Noncurrent loans to loans | 0.3817% | 6,235 |
| Net loans and leases to total assets | 46.7885% | 6,208 |
| Net loans and leases to deposits | 55.0884% | 6,207 |
| Net loans and leases to core deposits | 61.2527% | 5,996 |
| Total domestic deposits to total assets | 84.9334% | 4,064 |
| Equity capital to assets | 11.7203% | 2,109 |
| Core capital (leverage) ratio | 11.9978% | 1,571 |
| Tier 1 risk-based capital ratio | 16.7031% | 2,586 |
| Total risk-based capital ratio | 17.7800% | 2,624 |
| Memoranda: | ||
| Average total assets | $270,109,000 | 2,388 |
| Average earning assets | $249,860,000 | 2,347 |
| Average equity | $33,063,000 | 1,989 |
| Average total loans | $129,258,500 | 3,079 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2872% | 3,190 |
| Cost of funding earning assets | 1.4158% | 3,160 |
| Net interest margin | 3.8714% | 3,631 |
| Noninterest income to average assets | 0.0745% | 7,011 |
| Noninterest expense to average assets | 2.4429% | 5,966 |
| Loan and lease loss provision to assets | 0.4390% | 3,487 |
| Net operating income to assets | 1.7419% | 471 |
| Return on assets (ROA) | 1.7685% | 492 |
| Pretax return on assets | 0.7916% | 3,666 |
| Return on Equity (ROE) | 13.2704% | 1,028 |
| Retained earnings to average equity (ytd only) | 13.2704% | 196 |
| Net charge-offs to loans | 0.2868% | 4,587 |
| Credit loss provision to net charge-offs | 313.7072% | 838 |
| Earnings coverage of net charge-offs (x) | 8.6044% | 1,952 |
| Efficiency ratio | 66.9854% | 4,766 |
| Assets per employee ($millions) | 6.9607% | 756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3967% | 4,524 |
| Loan loss allowance to noncurrent loans | 332.7586% | 933 |
| Noncurrent assets plus other real estate owned to assets | 0.3296% | 6,424 |
| Noncurrent loans to loans | 0.4197% | 6,209 |
| Net loans and leases to total assets | 47.6136% | 6,427 |
| Net loans and leases to deposits | 56.1446% | 6,433 |
| Net loans and leases to core deposits | 63.1642% | 6,132 |
| Total domestic deposits to total assets | 84.8054% | 3,944 |
| Equity capital to assets | 12.8117% | 1,484 |
| Core capital (leverage) ratio | 12.5623% | 1,289 |
| Tier 1 risk-based capital ratio | 17.6943% | 2,093 |
| Total risk-based capital ratio | 18.7416% | 2,144 |
| Memoranda: | ||
| Average total assets | $229,399,600 | 2,763 |
| Average earning assets | $211,679,800 | 2,731 |
| Average equity | $30,571,800 | 2,139 |
| Average total loans | $111,915,200 | 3,499 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3141% | 3,279 |
| Cost of funding earning assets | 1.4533% | 3,254 |
| Net interest margin | 3.8608% | 3,705 |
| Noninterest income to average assets | 0.0552% | 7,248 |
| Noninterest expense to average assets | 2.3612% | 6,147 |
| Loan and lease loss provision to assets | 0.5139% | 2,890 |
| Net operating income to assets | 0.7417% | 3,235 |
| Return on assets (ROA) | 0.7687% | 3,295 |
| Pretax return on assets | 0.7687% | 4,016 |
| Return on Equity (ROE) | 5.7041% | 3,954 |
| Retained earnings to average equity (ytd only) | 5.7041% | 2,543 |
| Net charge-offs to loans | 0.3456% | 3,927 |
| Credit loss provision to net charge-offs | 303.9007% | 1,051 |
| Earnings coverage of net charge-offs (x) | 7.4255% | 2,336 |
| Efficiency ratio | 65.2851% | 5,006 |
| Assets per employee ($millions) | 7.1777% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3601% | 4,668 |
| Loan loss allowance to noncurrent loans | 177.8993% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.3638% | 6,491 |
| Noncurrent loans to loans | 0.7645% | 5,680 |
| Net loans and leases to total assets | 46.9401% | 6,618 |
| Net loans and leases to deposits | 55.2900% | 6,665 |
| Net loans and leases to core deposits | 60.8647% | 6,548 |
| Total domestic deposits to total assets | 84.8981% | 3,671 |
| Equity capital to assets | 12.5340% | 1,837 |
| Core capital (leverage) ratio | 12.3176% | 1,497 |
| Tier 1 risk-based capital ratio | 17.7216% | 2,102 |
| Total risk-based capital ratio | 18.6580% | 2,169 |
| Memoranda: | ||
| Average total assets | $222,363,000 | 2,879 |
| Average earning assets | $205,136,250 | 2,851 |
| Average equity | $29,965,750 | 2,201 |
| Average total loans | $108,803,000 | 3,626 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2245% | 3,826 |
| Cost of funding earning assets | 1.4770% | 3,386 |
| Net interest margin | 3.7475% | 4,143 |
| Noninterest income to average assets | 0.0573% | 7,300 |
| Noninterest expense to average assets | 2.4762% | 5,810 |
| Loan and lease loss provision to assets | 0.4531% | 3,057 |
| Net operating income to assets | 0.5819% | 3,944 |
| Return on assets (ROA) | 0.6242% | 3,898 |
| Pretax return on assets | 0.6242% | 4,491 |
| Return on Equity (ROE) | 4.5081% | 4,534 |
| Retained earnings to average equity (ytd only) | 4.5081% | 3,199 |
| Net charge-offs to loans | -0.0304% | 7,354 |
| Credit loss provision to net charge-offs | -3,012.5000% | 7,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5221% | 4,081 |
| Assets per employee ($millions) | 7.6656% | 575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2971% | 4,934 |
| Loan loss allowance to noncurrent loans | 189.1331% | 1,489 |
| Noncurrent assets plus other real estate owned to assets | 0.5047% | 6,193 |
| Noncurrent loans to loans | 0.6858% | 5,879 |
| Net loans and leases to total assets | 48.0528% | 6,620 |
| Net loans and leases to deposits | 56.5886% | 6,679 |
| Net loans and leases to core deposits | 62.5175% | 6,509 |
| Total domestic deposits to total assets | 84.9160% | 3,676 |
| Equity capital to assets | 12.5125% | 1,794 |
| Core capital (leverage) ratio | 13.0249% | 1,200 |
| Tier 1 risk-based capital ratio | 18.0883% | 1,937 |
| Total risk-based capital ratio | 19.0176% | 1,981 |
| Memoranda: | ||
| Average total assets | $212,744,000 | 3,023 |
| Average earning assets | $196,075,330 | 3,000 |
| Average equity | $29,458,330 | 2,228 |
| Average total loans | $105,221,000 | 3,736 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2078% | 3,977 |
| Cost of funding earning assets | 1.5055% | 3,515 |
| Net interest margin | 3.7023% | 4,232 |
| Noninterest income to average assets | 0.0611% | 7,413 |
| Noninterest expense to average assets | 2.6753% | 5,027 |
| Loan and lease loss provision to assets | 0.4418% | 2,755 |
| Net operating income to assets | 0.3237% | 5,196 |
| Return on assets (ROA) | 0.3237% | 5,326 |
| Pretax return on assets | 0.3237% | 5,540 |
| Return on Equity (ROE) | 2.2052% | 5,673 |
| Retained earnings to average equity (ytd only) | 2.2052% | 4,803 |
| Net charge-offs to loans | -0.0245% | 7,124 |
| Credit loss provision to net charge-offs | -3,616.6667% | 6,604 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7515% | 2,938 |
| Assets per employee ($millions) | 7.1099% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2044% | 5,477 |
| Loan loss allowance to noncurrent loans | 148.6581% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.5789% | 6,060 |
| Noncurrent loans to loans | 0.8101% | 5,692 |
| Net loans and leases to total assets | 47.4164% | 6,724 |
| Net loans and leases to deposits | 56.3835% | 6,743 |
| Net loans and leases to core deposits | 62.9902% | 6,526 |
| Total domestic deposits to total assets | 84.0962% | 4,102 |
| Equity capital to assets | 13.1874% | 1,449 |
| Core capital (leverage) ratio | 15.1466% | 722 |
| Tier 1 risk-based capital ratio | 20.9609% | 1,347 |
| Total risk-based capital ratio | 21.8618% | 1,380 |
| Memoranda: | ||
| Average total assets | $196,466,500 | 3,268 |
| Average earning assets | $179,348,000 | 3,259 |
| Average equity | $28,841,000 | 2,299 |
| Average total loans | $98,120,500 | 4,011 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2847% | 5,261 |
| Cost of funding earning assets | 1.7054% | 4,477 |
| Net interest margin | 3.5793% | 4,620 |
| Noninterest income to average assets | 0.1049% | 7,238 |
| Noninterest expense to average assets | 2.9420% | 4,375 |
| Loan and lease loss provision to assets | 0.5573% | 3,586 |
| Net operating income to assets | 0.4049% | 4,110 |
| Return on assets (ROA) | 0.4751% | 3,941 |
| Pretax return on assets | 0.0496% | 5,334 |
| Return on Equity (ROE) | 2.3777% | 4,754 |
| Retained earnings to average equity (ytd only) | 2.3777% | 3,456 |
| Net charge-offs to loans | 1.2201% | 2,017 |
| Credit loss provision to net charge-offs | 90.4488% | 5,984 |
| Earnings coverage of net charge-offs (x) | 0.8711% | 5,236 |
| Efficiency ratio | 84.5699% | 2,286 |
| Assets per employee ($millions) | 6.3899% | 1,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1619% | 5,578 |
| Loan loss allowance to noncurrent loans | 48.5899% | 5,148 |
| Noncurrent assets plus other real estate owned to assets | 1.2537% | 4,585 |
| Noncurrent loans to loans | 2.3912% | 3,172 |
| Net loans and leases to total assets | 51.8223% | 6,442 |
| Net loans and leases to deposits | 64.6658% | 6,192 |
| Net loans and leases to core deposits | 78.9619% | 6,183 |
| Total domestic deposits to total assets | 80.1386% | 5,636 |
| Equity capital to assets | 16.5865% | 606 |
| Core capital (leverage) ratio | 17.5016% | 436 |
| Tier 1 risk-based capital ratio | 24.9252% | 850 |
| Total risk-based capital ratio | 25.8139% | 866 |
| Memoranda: | ||
| Average total assets | $141,027,000 | 4,103 |
| Average earning assets | $132,931,400 | 4,032 |
| Average equity | $28,178,600 | 2,358 |
| Average total loans | $71,225,800 | 4,827 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0397% | 6,477 |
| Cost of funding earning assets | 1.7136% | 4,832 |
| Net interest margin | 3.3261% | 5,540 |
| Noninterest income to average assets | 0.1162% | 7,312 |
| Noninterest expense to average assets | 3.0401% | 3,882 |
| Loan and lease loss provision to assets | 0.5457% | 3,205 |
| Net operating income to assets | -0.3164% | 6,224 |
| Return on assets (ROA) | -0.2523% | 6,151 |
| Pretax return on assets | -0.2433% | 6,037 |
| Return on Equity (ROE) | -1.1970% | 5,963 |
| Retained earnings to average equity (ytd only) | -1.1970% | 5,534 |
| Net charge-offs to loans | 0.7729% | 2,427 |
| Credit loss provision to net charge-offs | 141.5584% | 3,466 |
| Earnings coverage of net charge-offs (x) | 0.6182% | 5,408 |
| Efficiency ratio | 92.7306% | 1,482 |
| Assets per employee ($millions) | 6.2701% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6756% | 2,716 |
| Loan loss allowance to noncurrent loans | 49.0709% | 5,038 |
| Noncurrent assets plus other real estate owned to assets | 1.7255% | 3,778 |
| Noncurrent loans to loans | 3.4147% | 2,202 |
| Net loans and leases to total assets | 46.5762% | 7,062 |
| Net loans and leases to deposits | 58.9080% | 6,908 |
| Net loans and leases to core deposits | 72.7236% | 6,795 |
| Total domestic deposits to total assets | 79.0661% | 5,781 |
| Equity capital to assets | 17.3982% | 576 |
| Core capital (leverage) ratio | 18.1404% | 446 |
| Tier 1 risk-based capital ratio | 27.1189% | 736 |
| Total risk-based capital ratio | 28.3479% | 721 |
| Memoranda: | ||
| Average total assets | $133,152,250 | 4,296 |
| Average earning assets | $126,592,750 | 4,192 |
| Average equity | $28,069,250 | 2,389 |
| Average total loans | $66,417,750 | 5,044 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0516% | 6,611 |
| Cost of funding earning assets | 1.7251% | 5,149 |
| Net interest margin | 3.3265% | 5,451 |
| Noninterest income to average assets | 0.1283% | 7,328 |
| Noninterest expense to average assets | 3.2940% | 2,981 |
| Loan and lease loss provision to assets | 0.8442% | 1,986 |
| Net operating income to assets | -0.8344% | 6,851 |
| Return on assets (ROA) | -0.7370% | 6,787 |
| Pretax return on assets | -0.7257% | 6,620 |
| Return on Equity (ROE) | -3.2462% | 6,394 |
| Retained earnings to average equity (ytd only) | -3.2462% | 6,009 |
| Net charge-offs to loans | 1.1398% | 1,599 |
| Credit loss provision to net charge-offs | 145.2514% | 3,186 |
| Earnings coverage of net charge-offs (x) | 0.0363% | 5,640 |
| Efficiency ratio | 99.3634% | 1,204 |
| Assets per employee ($millions) | 5.8058% | 1,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7526% | 2,173 |
| Loan loss allowance to noncurrent loans | 70.4731% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 1.3883% | 4,186 |
| Noncurrent loans to loans | 2.4869% | 2,915 |
| Net loans and leases to total assets | 50.0544% | 6,868 |
| Net loans and leases to deposits | 64.9467% | 6,480 |
| Net loans and leases to core deposits | 78.8402% | 6,494 |
| Total domestic deposits to total assets | 77.0700% | 6,311 |
| Equity capital to assets | 19.0904% | 453 |
| Core capital (leverage) ratio | 21.3124% | 303 |
| Tier 1 risk-based capital ratio | 28.3708% | 694 |
| Total risk-based capital ratio | 29.6210% | 685 |
| Memoranda: | ||
| Average total assets | $123,195,330 | 4,555 |
| Average earning assets | $118,021,670 | 4,412 |
| Average equity | $27,971,330 | 2,405 |
| Average total loans | $62,815,670 | 5,220 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7417% | 7,448 |
| Cost of funding earning assets | 1.8195% | 5,026 |
| Net interest margin | 2.9223% | 6,693 |
| Noninterest income to average assets | 0.1497% | 7,230 |
| Noninterest expense to average assets | 3.6215% | 1,816 |
| Loan and lease loss provision to assets | 1.4079% | 902 |
| Net operating income to assets | -2.0745% | 7,679 |
| Return on assets (ROA) | -2.0745% | 7,675 |
| Pretax return on assets | -2.0745% | 7,553 |
| Return on Equity (ROE) | -8.2840% | 7,258 |
| Retained earnings to average equity (ytd only) | -8.2840% | 6,940 |
| Net charge-offs to loans | 1.9005% | 759 |
| Credit loss provision to net charge-offs | 145.2206% | 2,844 |
| Earnings coverage of net charge-offs (x) | -0.6875% | 5,299 |
| Efficiency ratio | 122.5573% | 596 |
| Assets per employee ($millions) | 4.7736% | 2,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9487% | 1,528 |
| Loan loss allowance to noncurrent loans | 65.0621% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 1.7655% | 3,275 |
| Noncurrent loans to loans | 2.9952% | 2,181 |
| Net loans and leases to total assets | 52.9965% | 6,581 |
| Net loans and leases to deposits | 73.3925% | 5,556 |
| Net loans and leases to core deposits | 88.9461% | 5,652 |
| Total domestic deposits to total assets | 72.2097% | 7,174 |
| Equity capital to assets | 23.3325% | 268 |
| Core capital (leverage) ratio | 25.3218% | 225 |
| Tier 1 risk-based capital ratio | 30.4967% | 600 |
| Total risk-based capital ratio | 31.7486% | 588 |
| Memoranda: | ||
| Average total assets | $112,220,000 | 4,845 |
| Average earning assets | $107,724,000 | 4,696 |
| Average equity | $28,102,500 | 2,411 |
| Average total loans | $57,249,500 | 5,484 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4883% | 7,330 |
| Cost of funding earning assets | 2.5738% | 3,828 |
| Net interest margin | 2.9145% | 7,124 |
| Noninterest income to average assets | 0.1983% | 7,028 |
| Noninterest expense to average assets | 4.0398% | 1,358 |
| Loan and lease loss provision to assets | 1.4870% | 910 |
| Net operating income to assets | -2.5472% | 7,724 |
| Return on assets (ROA) | -2.5472% | 7,692 |
| Pretax return on assets | -2.5376% | 7,602 |
| Return on Equity (ROE) | -16.5368% | 7,646 |
| Retained earnings to average equity (ytd only) | -16.5368% | 7,545 |
| Net charge-offs to loans | 1.3185% | 902 |
| Credit loss provision to net charge-offs | 178.8079% | 2,825 |
| Earnings coverage of net charge-offs (x) | -1.2632% | 6,635 |
| Efficiency ratio | 135.1451% | 433 |
| Assets per employee ($millions) | 4.2040% | 3,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2682% | 887 |
| Loan loss allowance to noncurrent loans | 72.9260% | 4,425 |
| Noncurrent assets plus other real estate owned to assets | 1.4795% | 3,260 |
| Noncurrent loans to loans | 3.1102% | 1,710 |
| Net loans and leases to total assets | 46.4910% | 7,283 |
| Net loans and leases to deposits | 68.4495% | 6,421 |
| Net loans and leases to core deposits | 84.7813% | 6,226 |
| Total domestic deposits to total assets | 67.9201% | 7,479 |
| Equity capital to assets | 26.9838% | 220 |
| Core capital (leverage) ratio | 30.3091% | 181 |
| Tier 1 risk-based capital ratio | 36.2567% | 414 |
| Total risk-based capital ratio | 37.5085% | 410 |
| Memoranda: | ||
| Average total assets | $72,627,400 | 5,944 |
| Average earning assets | $69,548,000 | 5,837 |
| Average equity | $11,187,200 | 5,071 |
| Average total loans | $45,810,400 | 5,885 |