Home > Inland Northwest Bank > Performance and Condition Ratios
Inland Northwest Bank, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.9693% | 5,470 |
| Cost of funding earning assets | 0.0453% | 5,436 |
| Net interest margin | 0.9239% | 5,467 |
| Noninterest income to average assets | 0.0858% | 5,258 |
| Noninterest expense to average assets | 0.4901% | 5,459 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 0.3264% | 5,064 |
| Return on assets (ROA) | 0.3264% | 5,057 |
| Pretax return on assets | 0.4238% | 5,009 |
| Return on Equity (ROE) | 2.3783% | 5,087 |
| Retained earnings to average equity (ytd only) | 2.3783% | 4,448 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4918% | 4,969 |
| Assets per employee ($millions) | 4.9606% | 2,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,431 |
| Loan loss allowance to noncurrent loans | 0.0000% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 0.0141% | 4,932 |
| Noncurrent loans to loans | 0.0021% | 4,943 |
| Net loans and leases to total assets | 76.1876% | 1,636 |
| Net loans and leases to deposits | 97.4766% | 999 |
| Net loans and leases to core deposits | 102.6143% | 1,552 |
| Total domestic deposits to total assets | 78.1599% | 4,460 |
| Equity capital to assets | 20.6046% | 205 |
| Core capital (leverage) ratio | 9.7194% | 3,926 |
| Tier 1 risk-based capital ratio | 9.8645% | 5,403 |
| Total risk-based capital ratio | 9.8645% | 5,459 |
| Memoranda: | ||
| Average total assets | $846,827,000 | 896 |
| Average earning assets | $759,051,750 | 926 |
| Average equity | $116,216,250 | 733 |
| Average total loans | $695,122,250 | 795 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2520% | 509 |
| Cost of funding earning assets | 0.2598% | 4,702 |
| Net interest margin | 4.9922% | 248 |
| Noninterest income to average assets | 0.5938% | 2,355 |
| Noninterest expense to average assets | 3.6621% | 810 |
| Loan and lease loss provision to assets | 0.1198% | 1,649 |
| Net operating income to assets | 1.1274% | 2,487 |
| Return on assets (ROA) | 1.1274% | 2,492 |
| Pretax return on assets | 1.4336% | 2,041 |
| Return on Equity (ROE) | 10.1131% | 2,515 |
| Retained earnings to average equity (ytd only) | 9.2396% | 1,146 |
| Net charge-offs to loans | -0.0185% | 4,533 |
| Credit loss provision to net charge-offs | -768.7500% | 4,458 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1654% | 2,453 |
| Assets per employee ($millions) | 4.2795% | 3,454 |
| Cash dividends to net income (ytd only)* | 8.6374% | 3,337 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 3,316 |
| Loan loss allowance to noncurrent loans | 310.4679% | 1,600 |
| Noncurrent assets plus other real estate owned to assets | 0.3965% | 3,156 |
| Noncurrent loans to loans | 0.3516% | 3,439 |
| Net loans and leases to total assets | 87.2616% | 185 |
| Net loans and leases to deposits | 100.7010% | 759 |
| Net loans and leases to core deposits | 106.4036% | 1,215 |
| Total domestic deposits to total assets | 86.6542% | 1,991 |
| Equity capital to assets | 11.4918% | 2,204 |
| Core capital (leverage) ratio | 10.2295% | 3,321 |
| Tier 1 risk-based capital ratio | 10.4397% | 5,295 |
| Total risk-based capital ratio | 11.4780% | 5,287 |
| Memoranda: | ||
| Average total assets | $821,545,670 | 933 |
| Average earning assets | $760,583,330 | 926 |
| Average equity | $91,584,000 | 915 |
| Average total loans | $692,509,330 | 795 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1530% | 539 |
| Cost of funding earning assets | 0.2550% | 4,679 |
| Net interest margin | 4.8980% | 279 |
| Noninterest income to average assets | 0.6133% | 2,200 |
| Noninterest expense to average assets | 3.6311% | 835 |
| Loan and lease loss provision to assets | 0.1022% | 1,820 |
| Net operating income to assets | 1.1311% | 2,284 |
| Return on assets (ROA) | 1.1311% | 2,302 |
| Pretax return on assets | 1.4207% | 1,930 |
| Return on Equity (ROE) | 10.3027% | 2,276 |
| Retained earnings to average equity (ytd only) | 10.3027% | 1,068 |
| Net charge-offs to loans | -0.0194% | 4,541 |
| Credit loss provision to net charge-offs | -639.3939% | 4,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3985% | 2,599 |
| Assets per employee ($millions) | 4.2336% | 3,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1233% | 3,237 |
| Loan loss allowance to noncurrent loans | 403.9764% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.3759% | 3,324 |
| Noncurrent loans to loans | 0.2780% | 3,773 |
| Net loans and leases to total assets | 80.1630% | 912 |
| Net loans and leases to deposits | 91.6775% | 1,486 |
| Net loans and leases to core deposits | 96.7993% | 1,916 |
| Total domestic deposits to total assets | 87.4402% | 1,934 |
| Equity capital to assets | 11.0967% | 2,486 |
| Core capital (leverage) ratio | 9.8406% | 3,720 |
| Tier 1 risk-based capital ratio | 10.6439% | 5,305 |
| Total risk-based capital ratio | 11.6875% | 5,294 |
| Memoranda: | ||
| Average total assets | $825,764,000 | 929 |
| Average earning assets | $765,529,500 | 925 |
| Average equity | $90,655,500 | 934 |
| Average total loans | $680,083,000 | 808 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1596% | 475 |
| Cost of funding earning assets | 0.2795% | 4,313 |
| Net interest margin | 4.8801% | 290 |
| Noninterest income to average assets | 0.6478% | 2,208 |
| Noninterest expense to average assets | 3.8320% | 672 |
| Loan and lease loss provision to assets | 0.1592% | 1,411 |
| Net operating income to assets | 0.7396% | 3,429 |
| Return on assets (ROA) | 0.7396% | 3,471 |
| Pretax return on assets | 1.1833% | 2,834 |
| Return on Equity (ROE) | 6.4524% | 3,552 |
| Retained earnings to average equity (ytd only) | -2.5367% | 5,318 |
| Net charge-offs to loans | 0.0214% | 3,389 |
| Credit loss provision to net charge-offs | 908.8000% | 392 |
| Earnings coverage of net charge-offs (x) | 76.6400% | 798 |
| Efficiency ratio | 73.1645% | 2,034 |
| Assets per employee ($millions) | 4.2797% | 3,524 |
| Cash dividends to net income (ytd only)* | 139.3141% | 159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0529% | 3,611 |
| Loan loss allowance to noncurrent loans | 501.3094% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.3260% | 3,571 |
| Noncurrent loans to loans | 0.2100% | 4,068 |
| Net loans and leases to total assets | 82.7611% | 590 |
| Net loans and leases to deposits | 94.4444% | 1,227 |
| Net loans and leases to core deposits | 99.6785% | 1,735 |
| Total domestic deposits to total assets | 87.6294% | 1,683 |
| Equity capital to assets | 10.8601% | 2,772 |
| Core capital (leverage) ratio | 9.4919% | 4,064 |
| Tier 1 risk-based capital ratio | 10.1201% | 5,502 |
| Total risk-based capital ratio | 11.1043% | 5,522 |
| Memoranda: | ||
| Average total assets | $713,598,200 | 1,025 |
| Average earning assets | $661,915,800 | 1,021 |
| Average equity | $81,798,400 | 993 |
| Average total loans | $583,775,200 | 879 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0100% | 598 |
| Cost of funding earning assets | 0.2781% | 4,339 |
| Net interest margin | 4.7319% | 386 |
| Noninterest income to average assets | 0.7101% | 1,959 |
| Noninterest expense to average assets | 3.7910% | 678 |
| Loan and lease loss provision to assets | 0.1638% | 1,238 |
| Net operating income to assets | 0.7654% | 3,665 |
| Return on assets (ROA) | 0.7654% | 3,722 |
| Pretax return on assets | 1.1444% | 3,136 |
| Return on Equity (ROE) | 6.5728% | 3,877 |
| Retained earnings to average equity (ytd only) | -5.7092% | 5,558 |
| Net charge-offs to loans | 0.0220% | 3,027 |
| Credit loss provision to net charge-offs | 915.2174% | 380 |
| Earnings coverage of net charge-offs (x) | 73.1109% | 866 |
| Efficiency ratio | 73.5363% | 1,967 |
| Assets per employee ($millions) | 4.1138% | 3,798 |
| Cash dividends to net income (ytd only)* | 186.8612% | 66 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 3,945 |
| Loan loss allowance to noncurrent loans | 579.5868% | 915 |
| Noncurrent assets plus other real estate owned to assets | 0.2312% | 4,136 |
| Noncurrent loans to loans | 0.1762% | 4,367 |
| Net loans and leases to total assets | 82.1963% | 652 |
| Net loans and leases to deposits | 94.0506% | 1,300 |
| Net loans and leases to core deposits | 99.9171% | 1,715 |
| Total domestic deposits to total assets | 87.3959% | 1,673 |
| Equity capital to assets | 10.7133% | 3,150 |
| Core capital (leverage) ratio | 9.9594% | 3,619 |
| Tier 1 risk-based capital ratio | 10.0836% | 5,579 |
| Total risk-based capital ratio | 11.0475% | 5,603 |
| Memoranda: | ||
| Average total assets | $685,504,000 | 1,069 |
| Average earning assets | $635,834,250 | 1,065 |
| Average equity | $79,822,500 | 1,015 |
| Average total loans | $557,004,000 | 926 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8300% | 807 |
| Cost of funding earning assets | 0.2874% | 4,213 |
| Net interest margin | 4.5426% | 521 |
| Noninterest income to average assets | 0.7366% | 1,829 |
| Noninterest expense to average assets | 3.6571% | 812 |
| Loan and lease loss provision to assets | 0.1429% | 1,429 |
| Net operating income to assets | 0.7773% | 3,506 |
| Return on assets (ROA) | 0.7773% | 3,558 |
| Pretax return on assets | 1.1601% | 2,935 |
| Return on Equity (ROE) | 6.4524% | 3,852 |
| Retained earnings to average equity (ytd only) | 6.4524% | 1,873 |
| Net charge-offs to loans | 0.0424% | 2,347 |
| Credit loss provision to net charge-offs | 418.3486% | 760 |
| Earnings coverage of net charge-offs (x) | 38.1560% | 1,286 |
| Efficiency ratio | 73.1304% | 2,165 |
| Assets per employee ($millions) | 3.7578% | 4,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2276% | 2,850 |
| Loan loss allowance to noncurrent loans | 659.6806% | 817 |
| Noncurrent assets plus other real estate owned to assets | 0.2589% | 4,087 |
| Noncurrent loans to loans | 0.1861% | 4,372 |
| Net loans and leases to total assets | 83.2550% | 518 |
| Net loans and leases to deposits | 96.6113% | 1,018 |
| Net loans and leases to core deposits | 103.4313% | 1,397 |
| Total domestic deposits to total assets | 86.1752% | 2,301 |
| Equity capital to assets | 12.2418% | 1,765 |
| Core capital (leverage) ratio | 11.2974% | 2,129 |
| Tier 1 risk-based capital ratio | 11.3538% | 5,051 |
| Total risk-based capital ratio | 12.4603% | 5,030 |
| Memoranda: | ||
| Average total assets | $638,378,330 | 1,147 |
| Average earning assets | $593,536,330 | 1,134 |
| Average equity | $76,901,330 | 1,059 |
| Average total loans | $513,779,000 | 994 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6904% | 957 |
| Cost of funding earning assets | 0.2901% | 4,141 |
| Net interest margin | 4.4002% | 639 |
| Noninterest income to average assets | 0.6657% | 2,118 |
| Noninterest expense to average assets | 3.5922% | 903 |
| Loan and lease loss provision to assets | 0.1272% | 1,516 |
| Net operating income to assets | 0.6926% | 3,745 |
| Return on assets (ROA) | 0.6926% | 3,780 |
| Pretax return on assets | 1.0436% | 3,186 |
| Return on Equity (ROE) | 5.7967% | 4,002 |
| Retained earnings to average equity (ytd only) | 5.7967% | 2,440 |
| Net charge-offs to loans | 0.0758% | 1,580 |
| Credit loss provision to net charge-offs | 213.6842% | 974 |
| Earnings coverage of net charge-offs (x) | 19.6632% | 1,518 |
| Efficiency ratio | 74.7993% | 2,096 |
| Assets per employee ($millions) | 3.8601% | 4,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 2,692 |
| Loan loss allowance to noncurrent loans | 634.5618% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.2584% | 4,177 |
| Noncurrent loans to loans | 0.2000% | 4,403 |
| Net loans and leases to total assets | 77.3443% | 1,224 |
| Net loans and leases to deposits | 89.4892% | 1,600 |
| Net loans and leases to core deposits | 95.6655% | 1,839 |
| Total domestic deposits to total assets | 86.4286% | 2,478 |
| Equity capital to assets | 11.9844% | 1,861 |
| Core capital (leverage) ratio | 11.0782% | 2,286 |
| Tier 1 risk-based capital ratio | 11.8301% | 4,829 |
| Total risk-based capital ratio | 12.9657% | 4,799 |
| Memoranda: | ||
| Average total assets | $638,156,500 | 1,147 |
| Average earning assets | $594,240,500 | 1,134 |
| Average equity | $76,250,500 | 1,062 |
| Average total loans | $501,438,000 | 1,013 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9961% | 593 |
| Cost of funding earning assets | 0.2970% | 4,096 |
| Net interest margin | 4.6991% | 422 |
| Noninterest income to average assets | 0.7573% | 1,929 |
| Noninterest expense to average assets | 3.7172% | 862 |
| Loan and lease loss provision to assets | 0.0588% | 3,212 |
| Net operating income to assets | 0.9045% | 2,798 |
| Return on assets (ROA) | 0.9045% | 2,910 |
| Pretax return on assets | 1.3397% | 2,145 |
| Return on Equity (ROE) | 7.6529% | 3,143 |
| Retained earnings to average equity (ytd only) | 7.6529% | 977 |
| Net charge-offs to loans | 0.0254% | 3,532 |
| Credit loss provision to net charge-offs | 292.7419% | 1,003 |
| Earnings coverage of net charge-offs (x) | 69.6774% | 798 |
| Efficiency ratio | 71.9294% | 2,598 |
| Assets per employee ($millions) | 3.9474% | 4,064 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2503% | 2,818 |
| Loan loss allowance to noncurrent loans | 846.3514% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.2337% | 4,371 |
| Noncurrent loans to loans | 0.1477% | 4,643 |
| Net loans and leases to total assets | 77.8300% | 1,218 |
| Net loans and leases to deposits | 90.0192% | 1,682 |
| Net loans and leases to core deposits | 97.0981% | 1,827 |
| Total domestic deposits to total assets | 86.4594% | 2,392 |
| Equity capital to assets | 11.9124% | 1,870 |
| Core capital (leverage) ratio | 10.8134% | 2,522 |
| Tier 1 risk-based capital ratio | 11.8346% | 4,833 |
| Total risk-based capital ratio | 12.9667% | 4,817 |
| Memoranda: | ||
| Average total assets | $617,822,400 | 1,133 |
| Average earning assets | $573,027,600 | 1,133 |
| Average equity | $73,018,400 | 1,084 |
| Average total loans | $487,327,200 | 995 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0227% | 573 |
| Cost of funding earning assets | 0.2936% | 4,172 |
| Net interest margin | 4.7291% | 413 |
| Noninterest income to average assets | 0.7373% | 2,015 |
| Noninterest expense to average assets | 3.7354% | 808 |
| Loan and lease loss provision to assets | 0.0789% | 2,639 |
| Net operating income to assets | 0.8818% | 3,001 |
| Return on assets (ROA) | 0.8818% | 3,123 |
| Pretax return on assets | 1.3061% | 2,404 |
| Return on Equity (ROE) | 7.4768% | 3,315 |
| Retained earnings to average equity (ytd only) | 7.4768% | 1,417 |
| Net charge-offs to loans | 0.0218% | 3,248 |
| Credit loss provision to net charge-offs | 459.4937% | 758 |
| Earnings coverage of net charge-offs (x) | 80.6588% | 776 |
| Efficiency ratio | 72.2121% | 2,546 |
| Assets per employee ($millions) | 4.0694% | 3,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 2,612 |
| Loan loss allowance to noncurrent loans | 606.5385% | 903 |
| Noncurrent assets plus other real estate owned to assets | 0.2417% | 4,469 |
| Noncurrent loans to loans | 0.2166% | 4,492 |
| Net loans and leases to total assets | 73.2282% | 1,991 |
| Net loans and leases to deposits | 84.3808% | 2,446 |
| Net loans and leases to core deposits | 91.2994% | 2,454 |
| Total domestic deposits to total assets | 86.7830% | 1,992 |
| Equity capital to assets | 11.5147% | 2,499 |
| Core capital (leverage) ratio | 10.9994% | 2,446 |
| Tier 1 risk-based capital ratio | 11.8629% | 4,881 |
| Total risk-based capital ratio | 13.0322% | 4,825 |
| Memoranda: | ||
| Average total assets | $613,393,250 | 1,149 |
| Average earning assets | $568,524,250 | 1,137 |
| Average equity | $72,346,000 | 1,099 |
| Average total loans | $483,933,250 | 1,003 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0906% | 502 |
| Cost of funding earning assets | 0.2928% | 4,214 |
| Net interest margin | 4.7978% | 371 |
| Noninterest income to average assets | 0.6682% | 2,287 |
| Noninterest expense to average assets | 3.8424% | 723 |
| Loan and lease loss provision to assets | 0.1006% | 2,153 |
| Net operating income to assets | 0.7938% | 3,337 |
| Return on assets (ROA) | 0.7938% | 3,480 |
| Pretax return on assets | 1.1714% | 2,897 |
| Return on Equity (ROE) | 6.6735% | 3,708 |
| Retained earnings to average equity (ytd only) | 6.6735% | 1,774 |
| Net charge-offs to loans | 0.0425% | 2,616 |
| Credit loss provision to net charge-offs | 294.1748% | 977 |
| Earnings coverage of net charge-offs (x) | 37.1845% | 1,208 |
| Efficiency ratio | 74.3750% | 2,307 |
| Assets per employee ($millions) | 3.8511% | 4,165 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2781% | 2,906 |
| Loan loss allowance to noncurrent loans | 485.8704% | 1,088 |
| Noncurrent assets plus other real estate owned to assets | 0.2679% | 4,425 |
| Noncurrent loans to loans | 0.2631% | 4,419 |
| Net loans and leases to total assets | 81.0576% | 740 |
| Net loans and leases to deposits | 94.4859% | 1,241 |
| Net loans and leases to core deposits | 101.8250% | 1,483 |
| Total domestic deposits to total assets | 85.7880% | 2,528 |
| Equity capital to assets | 12.2994% | 1,904 |
| Core capital (leverage) ratio | 10.9955% | 2,434 |
| Tier 1 risk-based capital ratio | 11.4829% | 5,170 |
| Total risk-based capital ratio | 12.6310% | 5,122 |
| Memoranda: | ||
| Average total assets | $602,180,670 | 1,173 |
| Average earning assets | $558,049,670 | 1,163 |
| Average equity | $71,626,670 | 1,109 |
| Average total loans | $485,205,330 | 1,007 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9424% | 647 |
| Cost of funding earning assets | 0.2892% | 4,286 |
| Net interest margin | 4.6533% | 460 |
| Noninterest income to average assets | 0.6415% | 2,311 |
| Noninterest expense to average assets | 3.9042% | 683 |
| Loan and lease loss provision to assets | 0.1200% | 1,757 |
| Net operating income to assets | 0.6434% | 4,009 |
| Return on assets (ROA) | 0.6434% | 4,127 |
| Pretax return on assets | 0.9348% | 3,710 |
| Return on Equity (ROE) | 5.5011% | 4,228 |
| Retained earnings to average equity (ytd only) | 5.5011% | 2,651 |
| Net charge-offs to loans | 0.0347% | 2,278 |
| Credit loss provision to net charge-offs | 433.3333% | 667 |
| Earnings coverage of net charge-offs (x) | 38.0952% | 1,040 |
| Efficiency ratio | 78.7291% | 1,797 |
| Assets per employee ($millions) | 4.0498% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2753% | 3,024 |
| Loan loss allowance to noncurrent loans | 326.8293% | 1,503 |
| Noncurrent assets plus other real estate owned to assets | 0.3636% | 4,111 |
| Noncurrent loans to loans | 0.3902% | 4,041 |
| Net loans and leases to total assets | 79.0767% | 940 |
| Net loans and leases to deposits | 91.7314% | 1,385 |
| Net loans and leases to core deposits | 99.2112% | 1,542 |
| Total domestic deposits to total assets | 86.2046% | 2,588 |
| Equity capital to assets | 11.8465% | 2,124 |
| Core capital (leverage) ratio | 10.6480% | 2,794 |
| Tier 1 risk-based capital ratio | 11.3302% | 5,330 |
| Total risk-based capital ratio | 12.4782% | 5,287 |
| Memoranda: | ||
| Average total assets | $606,733,000 | 1,165 |
| Average earning assets | $562,961,000 | 1,152 |
| Average equity | $70,967,500 | 1,112 |
| Average total loans | $484,329,500 | 1,004 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9775% | 658 |
| Cost of funding earning assets | 0.3640% | 3,540 |
| Net interest margin | 4.6136% | 527 |
| Noninterest income to average assets | 0.8093% | 1,752 |
| Noninterest expense to average assets | 3.6933% | 987 |
| Loan and lease loss provision to assets | 0.0460% | 3,409 |
| Net operating income to assets | 0.9244% | 2,729 |
| Return on assets (ROA) | 0.9244% | 2,824 |
| Pretax return on assets | 1.3739% | 2,004 |
| Return on Equity (ROE) | 8.2614% | 2,816 |
| Retained earnings to average equity (ytd only) | 3.5929% | 3,501 |
| Net charge-offs to loans | -0.0197% | 5,261 |
| Credit loss provision to net charge-offs | -289.4737% | 5,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2313% | 2,866 |
| Assets per employee ($millions) | 4.1220% | 3,711 |
| Cash dividends to net income (ytd only)* | 56.5099% | 1,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2413% | 3,238 |
| Loan loss allowance to noncurrent loans | 379.1064% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.3110% | 4,355 |
| Noncurrent loans to loans | 0.3274% | 4,288 |
| Net loans and leases to total assets | 78.5617% | 1,049 |
| Net loans and leases to deposits | 90.8841% | 1,520 |
| Net loans and leases to core deposits | 98.0846% | 1,668 |
| Total domestic deposits to total assets | 86.4416% | 2,411 |
| Equity capital to assets | 11.5483% | 2,319 |
| Core capital (leverage) ratio | 11.1042% | 2,307 |
| Tier 1 risk-based capital ratio | 11.3422% | 5,353 |
| Total risk-based capital ratio | 12.4727% | 5,311 |
| Memoranda: | ||
| Average total assets | $478,570,200 | 1,415 |
| Average earning assets | $446,444,800 | 1,389 |
| Average equity | $53,550,400 | 1,395 |
| Average total loans | $385,401,400 | 1,199 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9243% | 728 |
| Cost of funding earning assets | 0.3741% | 3,500 |
| Net interest margin | 4.5502% | 589 |
| Noninterest income to average assets | 0.8798% | 1,510 |
| Noninterest expense to average assets | 3.7217% | 946 |
| Loan and lease loss provision to assets | 0.0538% | 3,117 |
| Net operating income to assets | 0.9142% | 2,894 |
| Return on assets (ROA) | 0.9142% | 2,981 |
| Pretax return on assets | 1.3575% | 2,186 |
| Return on Equity (ROE) | 8.2606% | 2,941 |
| Retained earnings to average equity (ytd only) | 6.9091% | 1,731 |
| Net charge-offs to loans | -0.0266% | 5,304 |
| Credit loss provision to net charge-offs | -250.0000% | 5,223 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5042% | 2,790 |
| Assets per employee ($millions) | 3.7417% | 4,373 |
| Cash dividends to net income (ytd only)* | 16.3613% | 3,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6148% | 1,736 |
| Loan loss allowance to noncurrent loans | 558.3567% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.2718% | 4,679 |
| Noncurrent loans to loans | 0.2892% | 4,548 |
| Net loans and leases to total assets | 77.9001% | 1,116 |
| Net loans and leases to deposits | 89.8736% | 1,667 |
| Net loans and leases to core deposits | 96.8343% | 1,808 |
| Total domestic deposits to total assets | 86.6773% | 2,193 |
| Equity capital to assets | 10.7946% | 3,247 |
| Core capital (leverage) ratio | 10.7438% | 2,778 |
| Tier 1 risk-based capital ratio | 11.4971% | 5,377 |
| Total risk-based capital ratio | 12.7495% | 5,298 |
| Memoranda: | ||
| Average total assets | $445,698,500 | 1,517 |
| Average earning assets | $416,614,750 | 1,491 |
| Average equity | $49,325,250 | 1,516 |
| Average total loans | $360,428,000 | 1,260 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9399% | 669 |
| Cost of funding earning assets | 0.3865% | 3,410 |
| Net interest margin | 4.5534% | 569 |
| Noninterest income to average assets | 0.8815% | 1,501 |
| Noninterest expense to average assets | 3.7430% | 939 |
| Loan and lease loss provision to assets | 0.0547% | 3,017 |
| Net operating income to assets | 0.9015% | 2,870 |
| Return on assets (ROA) | 0.9015% | 2,988 |
| Pretax return on assets | 1.3304% | 2,243 |
| Return on Equity (ROE) | 8.0755% | 3,007 |
| Retained earnings to average equity (ytd only) | 8.0755% | 1,233 |
| Net charge-offs to loans | -0.0347% | 5,383 |
| Credit loss provision to net charge-offs | -193.5484% | 5,029 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9893% | 2,842 |
| Assets per employee ($millions) | 3.6112% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5964% | 1,923 |
| Loan loss allowance to noncurrent loans | 1,738.2353% | 326 |
| Noncurrent assets plus other real estate owned to assets | 0.1206% | 5,386 |
| Noncurrent loans to loans | 0.0918% | 5,376 |
| Net loans and leases to total assets | 81.3553% | 628 |
| Net loans and leases to deposits | 94.4572% | 1,109 |
| Net loans and leases to core deposits | 108.6594% | 911 |
| Total domestic deposits to total assets | 86.1292% | 2,621 |
| Equity capital to assets | 11.1357% | 2,735 |
| Core capital (leverage) ratio | 11.0258% | 2,394 |
| Tier 1 risk-based capital ratio | 11.5652% | 5,421 |
| Total risk-based capital ratio | 12.8174% | 5,338 |
| Memoranda: | ||
| Average total assets | $438,362,330 | 1,541 |
| Average earning assets | $408,833,000 | 1,524 |
| Average equity | $48,938,000 | 1,533 |
| Average total loans | $357,129,330 | 1,275 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8869% | 720 |
| Cost of funding earning assets | 0.3748% | 3,593 |
| Net interest margin | 4.5121% | 594 |
| Noninterest income to average assets | 0.7471% | 1,928 |
| Noninterest expense to average assets | 3.7044% | 1,007 |
| Loan and lease loss provision to assets | 0.0553% | 2,828 |
| Net operating income to assets | 0.7840% | 3,346 |
| Return on assets (ROA) | 0.7840% | 3,478 |
| Pretax return on assets | 1.1853% | 2,730 |
| Return on Equity (ROE) | 7.0139% | 3,499 |
| Retained earnings to average equity (ytd only) | 7.0139% | 2,007 |
| Net charge-offs to loans | -0.0068% | 4,587 |
| Credit loss provision to net charge-offs | -1,000.0000% | 4,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9114% | 2,663 |
| Assets per employee ($millions) | 3.6008% | 4,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6171% | 1,983 |
| Loan loss allowance to noncurrent loans | 1,217.2269% | 457 |
| Noncurrent assets plus other real estate owned to assets | 0.3418% | 4,633 |
| Noncurrent loans to loans | 0.1329% | 5,301 |
| Net loans and leases to total assets | 78.9479% | 795 |
| Net loans and leases to deposits | 91.5953% | 1,234 |
| Net loans and leases to core deposits | 105.4770% | 970 |
| Total domestic deposits to total assets | 86.1920% | 2,832 |
| Equity capital to assets | 10.9614% | 3,012 |
| Core capital (leverage) ratio | 11.1823% | 2,241 |
| Tier 1 risk-based capital ratio | 11.3789% | 5,617 |
| Total risk-based capital ratio | 12.6311% | 5,532 |
| Memoranda: | ||
| Average total assets | $433,651,500 | 1,565 |
| Average earning assets | $403,446,000 | 1,545 |
| Average equity | $48,475,000 | 1,553 |
| Average total loans | $350,591,000 | 1,293 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0115% | 748 |
| Cost of funding earning assets | 0.4183% | 3,496 |
| Net interest margin | 4.5932% | 622 |
| Noninterest income to average assets | 0.7721% | 1,983 |
| Noninterest expense to average assets | 3.6173% | 1,271 |
| Loan and lease loss provision to assets | 0.0667% | 3,162 |
| Net operating income to assets | 0.9175% | 2,789 |
| Return on assets (ROA) | 0.9285% | 2,823 |
| Pretax return on assets | 1.3449% | 2,090 |
| Return on Equity (ROE) | 8.2379% | 2,999 |
| Retained earnings to average equity (ytd only) | 8.2379% | 936 |
| Net charge-offs to loans | 0.1061% | 2,994 |
| Credit loss provision to net charge-offs | 79.5322% | 2,875 |
| Earnings coverage of net charge-offs (x) | 16.6433% | 1,996 |
| Efficiency ratio | 72.1595% | 3,177 |
| Assets per employee ($millions) | 3.5966% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6705% | 1,862 |
| Loan loss allowance to noncurrent loans | 1,618.0791% | 405 |
| Noncurrent assets plus other real estate owned to assets | 0.3336% | 4,713 |
| Noncurrent loans to loans | 0.1032% | 5,482 |
| Net loans and leases to total assets | 80.1225% | 725 |
| Net loans and leases to deposits | 93.6756% | 1,109 |
| Net loans and leases to core deposits | 99.9224% | 1,396 |
| Total domestic deposits to total assets | 85.5318% | 3,062 |
| Equity capital to assets | 11.4086% | 2,509 |
| Core capital (leverage) ratio | 11.0772% | 2,334 |
| Tier 1 risk-based capital ratio | 12.1618% | 5,257 |
| Total risk-based capital ratio | 13.4153% | 5,162 |
| Memoranda: | ||
| Average total assets | $407,850,000 | 1,619 |
| Average earning assets | $376,556,200 | 1,606 |
| Average equity | $45,970,200 | 1,562 |
| Average total loans | $322,383,200 | 1,350 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9957% | 776 |
| Cost of funding earning assets | 0.4268% | 3,499 |
| Net interest margin | 4.5689% | 657 |
| Noninterest income to average assets | 0.8116% | 1,844 |
| Noninterest expense to average assets | 3.5892% | 1,314 |
| Loan and lease loss provision to assets | 0.1555% | 1,596 |
| Net operating income to assets | 0.8829% | 3,003 |
| Return on assets (ROA) | 0.8976% | 3,015 |
| Pretax return on assets | 1.3006% | 2,373 |
| Return on Equity (ROE) | 7.9891% | 3,213 |
| Retained earnings to average equity (ytd only) | 7.9891% | 1,366 |
| Net charge-offs to loans | 0.1610% | 2,194 |
| Credit loss provision to net charge-offs | 123.2376% | 1,871 |
| Earnings coverage of net charge-offs (x) | 11.3682% | 2,428 |
| Efficiency ratio | 71.4417% | 3,278 |
| Assets per employee ($millions) | 3.7197% | 4,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7929% | 1,706 |
| Loan loss allowance to noncurrent loans | 1,691.6667% | 358 |
| Noncurrent assets plus other real estate owned to assets | 0.3802% | 4,783 |
| Noncurrent loans to loans | 0.1060% | 5,615 |
| Net loans and leases to total assets | 76.7193% | 1,139 |
| Net loans and leases to deposits | 89.5944% | 1,466 |
| Net loans and leases to core deposits | 95.7316% | 1,691 |
| Total domestic deposits to total assets | 85.6296% | 3,055 |
| Equity capital to assets | 11.1812% | 2,785 |
| Core capital (leverage) ratio | 11.1767% | 2,327 |
| Tier 1 risk-based capital ratio | 12.1565% | 5,400 |
| Total risk-based capital ratio | 13.4109% | 5,310 |
| Memoranda: | ||
| Average total assets | $404,610,750 | 1,642 |
| Average earning assets | $373,033,250 | 1,632 |
| Average equity | $45,460,750 | 1,583 |
| Average total loans | $317,256,750 | 1,379 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9872% | 769 |
| Cost of funding earning assets | 0.4324% | 3,524 |
| Net interest margin | 4.5548% | 632 |
| Noninterest income to average assets | 0.8123% | 1,794 |
| Noninterest expense to average assets | 3.6572% | 1,198 |
| Loan and lease loss provision to assets | 0.2113% | 1,122 |
| Net operating income to assets | 0.7880% | 3,389 |
| Return on assets (ROA) | 0.8108% | 3,378 |
| Pretax return on assets | 1.1648% | 2,818 |
| Return on Equity (ROE) | 7.2038% | 3,514 |
| Retained earnings to average equity (ytd only) | 7.2038% | 1,666 |
| Net charge-offs to loans | 0.1365% | 2,302 |
| Credit loss provision to net charge-offs | 197.1963% | 1,187 |
| Earnings coverage of net charge-offs (x) | 12.5374% | 2,049 |
| Efficiency ratio | 73.1324% | 3,132 |
| Assets per employee ($millions) | 3.6709% | 4,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8477% | 1,710 |
| Loan loss allowance to noncurrent loans | 234.3348% | 1,873 |
| Noncurrent assets plus other real estate owned to assets | 0.9358% | 3,206 |
| Noncurrent loans to loans | 0.7885% | 3,727 |
| Net loans and leases to total assets | 78.2990% | 875 |
| Net loans and leases to deposits | 92.9664% | 1,054 |
| Net loans and leases to core deposits | 99.2833% | 1,337 |
| Total domestic deposits to total assets | 84.2228% | 3,848 |
| Equity capital to assets | 11.2693% | 2,641 |
| Core capital (leverage) ratio | 11.2714% | 2,177 |
| Tier 1 risk-based capital ratio | 12.0531% | 5,511 |
| Total risk-based capital ratio | 13.3083% | 5,442 |
| Memoranda: | ||
| Average total assets | $399,373,330 | 1,661 |
| Average earning assets | $367,262,000 | 1,649 |
| Average equity | $44,948,670 | 1,590 |
| Average total loans | $313,557,000 | 1,385 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8795% | 900 |
| Cost of funding earning assets | 0.4351% | 3,595 |
| Net interest margin | 4.4444% | 735 |
| Noninterest income to average assets | 0.7771% | 1,851 |
| Noninterest expense to average assets | 3.6254% | 1,263 |
| Loan and lease loss provision to assets | 0.2530% | 851 |
| Net operating income to assets | 0.7152% | 3,603 |
| Return on assets (ROA) | 0.7305% | 3,617 |
| Pretax return on assets | 1.0128% | 3,274 |
| Return on Equity (ROE) | 6.4952% | 3,748 |
| Retained earnings to average equity (ytd only) | 6.4952% | 2,281 |
| Net charge-offs to loans | 0.1936% | 1,573 |
| Credit loss provision to net charge-offs | 167.7852% | 1,165 |
| Earnings coverage of net charge-offs (x) | 8.2550% | 2,041 |
| Efficiency ratio | 74.4442% | 3,061 |
| Assets per employee ($millions) | 3.6469% | 4,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8939% | 1,774 |
| Loan loss allowance to noncurrent loans | 171.3291% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 1.1977% | 2,862 |
| Noncurrent loans to loans | 1.1054% | 3,214 |
| Net loans and leases to total assets | 76.9381% | 889 |
| Net loans and leases to deposits | 90.3237% | 1,110 |
| Net loans and leases to core deposits | 96.3470% | 1,361 |
| Total domestic deposits to total assets | 85.1803% | 3,789 |
| Equity capital to assets | 11.2950% | 2,436 |
| Core capital (leverage) ratio | 11.2510% | 2,171 |
| Tier 1 risk-based capital ratio | 12.0939% | 5,574 |
| Total risk-based capital ratio | 13.3491% | 5,509 |
| Memoranda: | ||
| Average total assets | $395,325,500 | 1,687 |
| Average earning assets | $364,055,500 | 1,672 |
| Average equity | $44,463,500 | 1,600 |
| Average total loans | $307,810,500 | 1,408 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2529% | 573 |
| Cost of funding earning assets | 0.5012% | 3,597 |
| Net interest margin | 4.7517% | 474 |
| Noninterest income to average assets | 0.9708% | 1,459 |
| Noninterest expense to average assets | 3.8811% | 1,015 |
| Loan and lease loss provision to assets | 0.3906% | 770 |
| Net operating income to assets | 0.8997% | 2,780 |
| Return on assets (ROA) | 0.9434% | 2,669 |
| Pretax return on assets | 1.0828% | 3,013 |
| Return on Equity (ROE) | 8.4155% | 2,816 |
| Retained earnings to average equity (ytd only) | 4.8400% | 2,706 |
| Net charge-offs to loans | 0.3323% | 2,012 |
| Credit loss provision to net charge-offs | 160.3971% | 1,429 |
| Earnings coverage of net charge-offs (x) | 5.8443% | 3,195 |
| Efficiency ratio | 73.1673% | 3,264 |
| Assets per employee ($millions) | 3.6402% | 4,596 |
| Cash dividends to net income (ytd only)* | 42.4872% | 2,683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9096% | 1,764 |
| Loan loss allowance to noncurrent loans | 160.6144% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 1.3451% | 2,736 |
| Noncurrent loans to loans | 1.1890% | 3,163 |
| Net loans and leases to total assets | 75.8195% | 1,104 |
| Net loans and leases to deposits | 92.5443% | 1,000 |
| Net loans and leases to core deposits | 96.5469% | 1,414 |
| Total domestic deposits to total assets | 81.9278% | 4,903 |
| Equity capital to assets | 11.1991% | 2,429 |
| Core capital (leverage) ratio | 10.9993% | 2,387 |
| Tier 1 risk-based capital ratio | 12.1443% | 5,530 |
| Total risk-based capital ratio | 13.3997% | 5,459 |
| Memoranda: | ||
| Average total assets | $392,955,800 | 1,681 |
| Average earning assets | $358,373,800 | 1,677 |
| Average equity | $44,049,600 | 1,591 |
| Average total loans | $287,987,800 | 1,475 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3608% | 480 |
| Cost of funding earning assets | 0.5190% | 3,577 |
| Net interest margin | 4.8418% | 397 |
| Noninterest income to average assets | 0.8931% | 1,778 |
| Noninterest expense to average assets | 3.9469% | 912 |
| Loan and lease loss provision to assets | 0.2983% | 1,140 |
| Net operating income to assets | 0.9680% | 2,508 |
| Return on assets (ROA) | 1.0289% | 2,344 |
| Pretax return on assets | 1.1181% | 3,027 |
| Return on Equity (ROE) | 9.1762% | 2,558 |
| Retained earnings to average equity (ytd only) | 9.1762% | 1,011 |
| Net charge-offs to loans | 0.3493% | 1,801 |
| Credit loss provision to net charge-offs | 118.1452% | 1,988 |
| Earnings coverage of net charge-offs (x) | 5.3481% | 3,215 |
| Efficiency ratio | 74.5099% | 2,982 |
| Assets per employee ($millions) | 3.5686% | 4,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7999% | 2,304 |
| Loan loss allowance to noncurrent loans | 113.1718% | 3,169 |
| Noncurrent assets plus other real estate owned to assets | 1.9919% | 2,023 |
| Noncurrent loans to loans | 1.5904% | 2,784 |
| Net loans and leases to total assets | 74.6381% | 1,183 |
| Net loans and leases to deposits | 88.3656% | 1,330 |
| Net loans and leases to core deposits | 92.8199% | 1,697 |
| Total domestic deposits to total assets | 84.4651% | 3,998 |
| Equity capital to assets | 11.4671% | 2,327 |
| Core capital (leverage) ratio | 11.3069% | 2,194 |
| Tier 1 risk-based capital ratio | 12.6831% | 5,338 |
| Total risk-based capital ratio | 13.9373% | 5,277 |
| Memoranda: | ||
| Average total assets | $392,910,000 | 1,689 |
| Average earning assets | $357,376,250 | 1,688 |
| Average equity | $44,055,000 | 1,601 |
| Average total loans | $284,015,000 | 1,494 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0771% | 805 |
| Cost of funding earning assets | 0.5343% | 3,556 |
| Net interest margin | 4.5428% | 659 |
| Noninterest income to average assets | 0.9409% | 1,685 |
| Noninterest expense to average assets | 3.8974% | 983 |
| Loan and lease loss provision to assets | 0.2610% | 1,421 |
| Net operating income to assets | 1.0050% | 2,312 |
| Return on assets (ROA) | 1.0589% | 2,195 |
| Pretax return on assets | 0.9643% | 3,662 |
| Return on Equity (ROE) | 9.5163% | 2,411 |
| Retained earnings to average equity (ytd only) | 9.5163% | 961 |
| Net charge-offs to loans | 0.1547% | 2,863 |
| Credit loss provision to net charge-offs | 237.5000% | 1,052 |
| Earnings coverage of net charge-offs (x) | 10.6574% | 2,137 |
| Efficiency ratio | 76.8899% | 2,646 |
| Assets per employee ($millions) | 3.3906% | 5,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9292% | 2,022 |
| Loan loss allowance to noncurrent loans | 99.8736% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 2.2848% | 1,895 |
| Noncurrent loans to loans | 1.9316% | 2,472 |
| Net loans and leases to total assets | 72.1227% | 1,559 |
| Net loans and leases to deposits | 86.4322% | 1,530 |
| Net loans and leases to core deposits | 91.6519% | 1,746 |
| Total domestic deposits to total assets | 83.4443% | 4,525 |
| Equity capital to assets | 11.3618% | 2,415 |
| Core capital (leverage) ratio | 11.1060% | 2,255 |
| Tier 1 risk-based capital ratio | 12.7915% | 5,294 |
| Total risk-based capital ratio | 14.0469% | 5,225 |
| Memoranda: | ||
| Average total assets | $393,033,000 | 1,687 |
| Average earning assets | $357,133,330 | 1,699 |
| Average equity | $43,735,670 | 1,612 |
| Average total loans | $279,235,000 | 1,514 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0455% | 826 |
| Cost of funding earning assets | 0.5441% | 3,636 |
| Net interest margin | 4.5014% | 682 |
| Noninterest income to average assets | 1.0654% | 1,312 |
| Noninterest expense to average assets | 3.9616% | 928 |
| Loan and lease loss provision to assets | 0.2473% | 1,460 |
| Net operating income to assets | 0.6576% | 3,912 |
| Return on assets (ROA) | 0.7339% | 3,654 |
| Pretax return on assets | 1.0401% | 3,187 |
| Return on Equity (ROE) | 6.6647% | 3,685 |
| Retained earnings to average equity (ytd only) | 6.6647% | 2,335 |
| Net charge-offs to loans | 0.2614% | 1,913 |
| Credit loss provision to net charge-offs | 135.5556% | 1,465 |
| Earnings coverage of net charge-offs (x) | 6.4667% | 2,214 |
| Efficiency ratio | 77.0505% | 2,754 |
| Assets per employee ($millions) | 3.4304% | 5,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9492% | 2,175 |
| Loan loss allowance to noncurrent loans | 66.5500% | 4,462 |
| Noncurrent assets plus other real estate owned to assets | 2.6310% | 1,729 |
| Noncurrent loans to loans | 2.9290% | 1,714 |
| Net loans and leases to total assets | 68.4808% | 1,929 |
| Net loans and leases to deposits | 79.7175% | 2,113 |
| Net loans and leases to core deposits | 84.4580% | 2,269 |
| Total domestic deposits to total assets | 85.9043% | 3,577 |
| Equity capital to assets | 11.1993% | 2,739 |
| Core capital (leverage) ratio | 10.6469% | 2,597 |
| Tier 1 risk-based capital ratio | 12.9580% | 5,254 |
| Total risk-based capital ratio | 14.2135% | 5,203 |
| Memoranda: | ||
| Average total assets | $394,589,500 | 1,693 |
| Average earning assets | $357,307,500 | 1,710 |
| Average equity | $43,452,500 | 1,641 |
| Average total loans | $275,476,000 | 1,544 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0966% | 1,327 |
| Cost of funding earning assets | 0.7225% | 3,306 |
| Net interest margin | 4.3740% | 1,218 |
| Noninterest income to average assets | 0.9520% | 1,696 |
| Noninterest expense to average assets | 4.0035% | 972 |
| Loan and lease loss provision to assets | 0.4079% | 1,587 |
| Net operating income to assets | 0.3748% | 5,203 |
| Return on assets (ROA) | 0.4474% | 5,140 |
| Pretax return on assets | 0.5933% | 5,014 |
| Return on Equity (ROE) | 4.1880% | 5,062 |
| Retained earnings to average equity (ytd only) | 4.1880% | 3,278 |
| Net charge-offs to loans | 1.1693% | 875 |
| Credit loss provision to net charge-offs | 50.6971% | 4,683 |
| Earnings coverage of net charge-offs (x) | 1.1239% | 4,898 |
| Efficiency ratio | 81.5740% | 1,931 |
| Assets per employee ($millions) | 3.5866% | 4,812 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8933% | 2,313 |
| Loan loss allowance to noncurrent loans | 65.3497% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 3.1346% | 1,495 |
| Noncurrent loans to loans | 2.8972% | 1,806 |
| Net loans and leases to total assets | 68.4637% | 2,106 |
| Net loans and leases to deposits | 79.5274% | 2,349 |
| Net loans and leases to core deposits | 84.1245% | 2,531 |
| Total domestic deposits to total assets | 86.0883% | 3,308 |
| Equity capital to assets | 10.8282% | 3,142 |
| Core capital (leverage) ratio | 10.4668% | 2,806 |
| Tier 1 risk-based capital ratio | 12.4287% | 5,524 |
| Total risk-based capital ratio | 13.6835% | 5,472 |
| Memoranda: | ||
| Average total assets | $392,228,800 | 1,672 |
| Average earning assets | $354,729,200 | 1,681 |
| Average equity | $41,905,800 | 1,666 |
| Average total loans | $269,896,800 | 1,540 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1218% | 1,378 |
| Cost of funding earning assets | 0.7543% | 3,319 |
| Net interest margin | 4.3675% | 1,298 |
| Noninterest income to average assets | 0.9643% | 1,623 |
| Noninterest expense to average assets | 3.9549% | 993 |
| Loan and lease loss provision to assets | 0.5459% | 1,073 |
| Net operating income to assets | 0.3246% | 5,526 |
| Return on assets (ROA) | 0.4245% | 5,382 |
| Pretax return on assets | 0.5545% | 5,288 |
| Return on Equity (ROE) | 3.9866% | 5,298 |
| Retained earnings to average equity (ytd only) | 3.9866% | 4,077 |
| Net charge-offs to loans | 1.3482% | 683 |
| Credit loss provision to net charge-offs | 59.0624% | 4,172 |
| Earnings coverage of net charge-offs (x) | 1.0502% | 4,788 |
| Efficiency ratio | 80.2923% | 2,051 |
| Assets per employee ($millions) | 3.4574% | 5,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1172% | 1,871 |
| Loan loss allowance to noncurrent loans | 57.2245% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 3.8136% | 1,288 |
| Noncurrent loans to loans | 3.6999% | 1,441 |
| Net loans and leases to total assets | 66.9406% | 2,477 |
| Net loans and leases to deposits | 77.1210% | 2,790 |
| Net loans and leases to core deposits | 82.2952% | 2,925 |
| Total domestic deposits to total assets | 86.7994% | 2,798 |
| Equity capital to assets | 10.7920% | 3,511 |
| Core capital (leverage) ratio | 10.4205% | 3,010 |
| Tier 1 risk-based capital ratio | 12.6944% | 5,484 |
| Total risk-based capital ratio | 13.9517% | 5,446 |
| Memoranda: | ||
| Average total assets | $390,758,500 | 1,697 |
| Average earning assets | $354,425,750 | 1,703 |
| Average equity | $41,605,250 | 1,690 |
| Average total loans | $267,915,750 | 1,555 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1930% | 1,274 |
| Cost of funding earning assets | 0.7875% | 3,299 |
| Net interest margin | 4.4055% | 1,186 |
| Noninterest income to average assets | 0.9281% | 1,679 |
| Noninterest expense to average assets | 3.9283% | 1,041 |
| Loan and lease loss provision to assets | 0.5133% | 1,224 |
| Net operating income to assets | 0.3635% | 5,361 |
| Return on assets (ROA) | 0.4091% | 5,422 |
| Pretax return on assets | 0.5508% | 5,307 |
| Return on Equity (ROE) | 3.8600% | 5,333 |
| Retained earnings to average equity (ytd only) | 3.8600% | 4,046 |
| Net charge-offs to loans | 0.9881% | 1,123 |
| Credit loss provision to net charge-offs | 75.7002% | 3,439 |
| Earnings coverage of net charge-offs (x) | 1.4784% | 4,258 |
| Efficiency ratio | 79.6690% | 2,241 |
| Assets per employee ($millions) | 3.4609% | 5,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4970% | 1,287 |
| Loan loss allowance to noncurrent loans | 59.2177% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 4.0052% | 1,270 |
| Noncurrent loans to loans | 4.2166% | 1,291 |
| Net loans and leases to total assets | 65.4302% | 2,782 |
| Net loans and leases to deposits | 75.5075% | 3,054 |
| Net loans and leases to core deposits | 80.5074% | 3,145 |
| Total domestic deposits to total assets | 86.6539% | 2,980 |
| Equity capital to assets | 10.8390% | 3,303 |
| Core capital (leverage) ratio | 10.3354% | 3,005 |
| Tier 1 risk-based capital ratio | 12.9098% | 5,246 |
| Total risk-based capital ratio | 14.1705% | 5,214 |
| Memoranda: | ||
| Average total assets | $389,630,670 | 1,699 |
| Average earning assets | $354,013,330 | 1,704 |
| Average equity | $41,295,000 | 1,693 |
| Average total loans | $267,371,670 | 1,557 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1980% | 1,324 |
| Cost of funding earning assets | 0.8305% | 3,221 |
| Net interest margin | 4.3676% | 1,295 |
| Noninterest income to average assets | 1.0567% | 1,292 |
| Noninterest expense to average assets | 3.8727% | 1,101 |
| Loan and lease loss provision to assets | 0.6144% | 922 |
| Net operating income to assets | 0.3848% | 5,325 |
| Return on assets (ROA) | 0.3993% | 5,446 |
| Pretax return on assets | 0.5591% | 5,243 |
| Return on Equity (ROE) | 3.8109% | 5,375 |
| Retained earnings to average equity (ytd only) | 3.8109% | 4,300 |
| Net charge-offs to loans | 0.1181% | 3,405 |
| Credit loss provision to net charge-offs | 750.0000% | 449 |
| Earnings coverage of net charge-offs (x) | 14.0750% | 1,492 |
| Efficiency ratio | 77.0579% | 2,640 |
| Assets per employee ($millions) | 3.4769% | 5,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6787% | 1,144 |
| Loan loss allowance to noncurrent loans | 59.4056% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 4.3152% | 1,256 |
| Noncurrent loans to loans | 4.5091% | 1,294 |
| Net loans and leases to total assets | 67.2438% | 2,240 |
| Net loans and leases to deposits | 77.1709% | 2,649 |
| Net loans and leases to core deposits | 82.1370% | 2,814 |
| Total domestic deposits to total assets | 87.1362% | 2,874 |
| Equity capital to assets | 10.3770% | 3,639 |
| Core capital (leverage) ratio | 10.3827% | 2,893 |
| Tier 1 risk-based capital ratio | 12.0433% | 5,928 |
| Total risk-based capital ratio | 13.3062% | 5,904 |
| Memoranda: | ||
| Average total assets | $390,636,500 | 1,705 |
| Average earning assets | $354,980,500 | 1,704 |
| Average equity | $40,935,500 | 1,701 |
| Average total loans | $271,000,000 | 1,548 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7427% | 714 |
| Cost of funding earning assets | 1.1289% | 2,479 |
| Net interest margin | 4.6138% | 895 |
| Noninterest income to average assets | 0.8608% | 1,800 |
| Noninterest expense to average assets | 3.6154% | 1,714 |
| Loan and lease loss provision to assets | 1.7679% | 378 |
| Net operating income to assets | -0.1517% | 6,208 |
| Return on assets (ROA) | -0.1083% | 6,248 |
| Pretax return on assets | -0.2688% | 6,333 |
| Return on Equity (ROE) | -1.0394% | 6,247 |
| Retained earnings to average equity (ytd only) | -1.0394% | 6,010 |
| Net charge-offs to loans | 2.5231% | 462 |
| Credit loss provision to net charge-offs | 98.5378% | 3,645 |
| Earnings coverage of net charge-offs (x) | 0.7977% | 5,196 |
| Efficiency ratio | 71.6390% | 3,653 |
| Assets per employee ($millions) | 3.3764% | 5,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5420% | 1,257 |
| Loan loss allowance to noncurrent loans | 81.3268% | 3,614 |
| Noncurrent assets plus other real estate owned to assets | 3.3359% | 1,777 |
| Noncurrent loans to loans | 3.1257% | 2,067 |
| Net loans and leases to total assets | 67.8908% | 2,418 |
| Net loans and leases to deposits | 78.2535% | 2,795 |
| Net loans and leases to core deposits | 83.6441% | 2,936 |
| Total domestic deposits to total assets | 86.7575% | 2,892 |
| Equity capital to assets | 10.5844% | 3,436 |
| Core capital (leverage) ratio | 10.1655% | 3,145 |
| Tier 1 risk-based capital ratio | 12.1910% | 5,697 |
| Total risk-based capital ratio | 13.4522% | 5,658 |
| Memoranda: | ||
| Average total assets | $388,813,600 | 1,666 |
| Average earning assets | $352,745,600 | 1,681 |
| Average equity | $40,503,000 | 1,664 |
| Average total loans | $276,480,400 | 1,535 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7962% | 705 |
| Cost of funding earning assets | 1.1921% | 2,365 |
| Net interest margin | 4.6041% | 934 |
| Noninterest income to average assets | 0.8425% | 1,865 |
| Noninterest expense to average assets | 3.5225% | 1,881 |
| Loan and lease loss provision to assets | 1.6737% | 377 |
| Net operating income to assets | -0.0354% | 6,199 |
| Return on assets (ROA) | 0.0226% | 6,220 |
| Pretax return on assets | -0.0845% | 6,323 |
| Return on Equity (ROE) | 0.2176% | 6,216 |
| Retained earnings to average equity (ytd only) | 0.2176% | 5,892 |
| Net charge-offs to loans | 2.5176% | 432 |
| Credit loss provision to net charge-offs | 93.0228% | 3,668 |
| Earnings coverage of net charge-offs (x) | 0.8329% | 4,990 |
| Efficiency ratio | 70.1546% | 3,937 |
| Assets per employee ($millions) | 3.4723% | 5,068 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4096% | 1,523 |
| Loan loss allowance to noncurrent loans | 55.8102% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 3.7227% | 1,677 |
| Noncurrent loans to loans | 4.3175% | 1,518 |
| Net loans and leases to total assets | 67.6193% | 2,556 |
| Net loans and leases to deposits | 78.0569% | 2,975 |
| Net loans and leases to core deposits | 84.6224% | 2,969 |
| Total domestic deposits to total assets | 86.6283% | 2,869 |
| Equity capital to assets | 10.5186% | 3,683 |
| Core capital (leverage) ratio | 10.3109% | 3,069 |
| Tier 1 risk-based capital ratio | 12.0773% | 5,844 |
| Total risk-based capital ratio | 13.2855% | 5,856 |
| Memoranda: | ||
| Average total assets | $389,790,750 | 1,674 |
| Average earning assets | $353,765,500 | 1,678 |
| Average equity | $40,443,750 | 1,667 |
| Average total loans | $278,567,750 | 1,538 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8910% | 593 |
| Cost of funding earning assets | 1.2309% | 2,376 |
| Net interest margin | 4.6601% | 801 |
| Noninterest income to average assets | 0.7760% | 2,128 |
| Noninterest expense to average assets | 3.5441% | 1,874 |
| Loan and lease loss provision to assets | 1.2146% | 635 |
| Net operating income to assets | 0.2358% | 5,610 |
| Return on assets (ROA) | 0.2515% | 5,680 |
| Pretax return on assets | 0.2725% | 5,736 |
| Return on Equity (ROE) | 2.4348% | 5,630 |
| Retained earnings to average equity (ytd only) | 2.4348% | 4,739 |
| Net charge-offs to loans | 1.4402% | 1,044 |
| Credit loss provision to net charge-offs | 116.8150% | 2,630 |
| Earnings coverage of net charge-offs (x) | 1.4139% | 4,224 |
| Efficiency ratio | 70.6799% | 3,993 |
| Assets per employee ($millions) | 3.3409% | 5,341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6275% | 1,276 |
| Loan loss allowance to noncurrent loans | 64.6074% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 3.8237% | 1,696 |
| Noncurrent loans to loans | 4.0669% | 1,699 |
| Net loans and leases to total assets | 70.6219% | 2,087 |
| Net loans and leases to deposits | 81.8204% | 2,482 |
| Net loans and leases to core deposits | 89.4308% | 2,446 |
| Total domestic deposits to total assets | 86.3133% | 3,149 |
| Equity capital to assets | 10.7828% | 3,192 |
| Core capital (leverage) ratio | 10.3912% | 2,840 |
| Tier 1 risk-based capital ratio | 12.9567% | 4,947 |
| Total risk-based capital ratio | 14.2208% | 4,920 |
| Memoranda: | ||
| Average total assets | $388,930,000 | 1,686 |
| Average earning assets | $353,725,330 | 1,692 |
| Average equity | $40,167,670 | 1,669 |
| Average total loans | $280,800,000 | 1,543 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0355% | 440 |
| Cost of funding earning assets | 1.2688% | 2,367 |
| Net interest margin | 4.7667% | 612 |
| Noninterest income to average assets | 0.8113% | 1,986 |
| Noninterest expense to average assets | 3.4090% | 2,258 |
| Loan and lease loss provision to assets | 0.8459% | 978 |
| Net operating income to assets | 0.6657% | 3,684 |
| Return on assets (ROA) | 0.6657% | 3,755 |
| Pretax return on assets | 0.8968% | 3,508 |
| Return on Equity (ROE) | 6.5865% | 3,587 |
| Retained earnings to average equity (ytd only) | 6.5865% | 2,333 |
| Net charge-offs to loans | 2.2297% | 541 |
| Credit loss provision to net charge-offs | 52.6616% | 3,699 |
| Earnings coverage of net charge-offs (x) | 1.0849% | 3,855 |
| Efficiency ratio | 66.1727% | 5,006 |
| Assets per employee ($millions) | 3.5700% | 4,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1847% | 1,998 |
| Loan loss allowance to noncurrent loans | 70.8740% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 3.2286% | 2,131 |
| Noncurrent loans to loans | 3.0825% | 2,435 |
| Net loans and leases to total assets | 70.3563% | 2,062 |
| Net loans and leases to deposits | 79.5318% | 2,802 |
| Net loans and leases to core deposits | 86.7253% | 2,769 |
| Total domestic deposits to total assets | 88.4631% | 2,103 |
| Equity capital to assets | 10.2408% | 3,482 |
| Core capital (leverage) ratio | 10.2854% | 2,818 |
| Tier 1 risk-based capital ratio | 12.6519% | 5,114 |
| Total risk-based capital ratio | 13.9108% | 5,081 |
| Memoranda: | ||
| Average total assets | $392,962,500 | 1,679 |
| Average earning assets | $357,814,500 | 1,682 |
| Average equity | $39,717,500 | 1,677 |
| Average total loans | $283,084,000 | 1,548 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0205% | 818 |
| Cost of funding earning assets | 1.6831% | 1,670 |
| Net interest margin | 4.3375% | 1,688 |
| Noninterest income to average assets | 0.5862% | 3,559 |
| Noninterest expense to average assets | 3.3791% | 2,493 |
| Loan and lease loss provision to assets | 0.7525% | 2,180 |
| Net operating income to assets | 0.2801% | 5,003 |
| Return on assets (ROA) | 0.3635% | 4,854 |
| Pretax return on assets | 0.4831% | 4,678 |
| Return on Equity (ROE) | 3.6532% | 4,672 |
| Retained earnings to average equity (ytd only) | 3.6532% | 3,302 |
| Net charge-offs to loans | 1.0162% | 2,165 |
| Credit loss provision to net charge-offs | 94.7335% | 4,905 |
| Earnings coverage of net charge-offs (x) | 1.4155% | 4,701 |
| Efficiency ratio | 75.0326% | 3,205 |
| Assets per employee ($millions) | 3.6075% | 4,682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4384% | 1,498 |
| Loan loss allowance to noncurrent loans | 54.4167% | 4,754 |
| Noncurrent assets plus other real estate owned to assets | 4.2406% | 1,577 |
| Noncurrent loans to loans | 4.4811% | 1,582 |
| Net loans and leases to total assets | 70.3897% | 2,439 |
| Net loans and leases to deposits | 79.6606% | 3,235 |
| Net loans and leases to core deposits | 87.5266% | 3,117 |
| Total domestic deposits to total assets | 88.3620% | 2,030 |
| Equity capital to assets | 9.9738% | 3,778 |
| Core capital (leverage) ratio | 10.0854% | 2,984 |
| Tier 1 risk-based capital ratio | 12.3578% | 5,154 |
| Total risk-based capital ratio | 13.6091% | 5,123 |
| Memoranda: | ||
| Average total assets | $392,024,200 | 1,680 |
| Average earning assets | $354,054,800 | 1,700 |
| Average equity | $39,007,000 | 1,691 |
| Average total loans | $306,426,000 | 1,463 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1166% | 736 |
| Cost of funding earning assets | 1.7672% | 1,560 |
| Net interest margin | 4.3493% | 1,680 |
| Noninterest income to average assets | 0.8227% | 2,117 |
| Noninterest expense to average assets | 3.3090% | 2,543 |
| Loan and lease loss provision to assets | 0.6978% | 2,200 |
| Net operating income to assets | 0.5109% | 4,268 |
| Return on assets (ROA) | 0.6164% | 3,976 |
| Pretax return on assets | 0.8853% | 3,601 |
| Return on Equity (ROE) | 6.1986% | 3,724 |
| Retained earnings to average equity (ytd only) | 6.1986% | 2,263 |
| Net charge-offs to loans | 0.7275% | 2,606 |
| Credit loss provision to net charge-offs | 120.3758% | 3,425 |
| Earnings coverage of net charge-offs (x) | 2.4709% | 3,931 |
| Efficiency ratio | 69.7918% | 4,114 |
| Assets per employee ($millions) | 3.6726% | 4,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4548% | 1,392 |
| Loan loss allowance to noncurrent loans | 64.6000% | 4,070 |
| Noncurrent assets plus other real estate owned to assets | 3.9846% | 1,757 |
| Noncurrent loans to loans | 3.8000% | 2,031 |
| Net loans and leases to total assets | 75.8294% | 1,443 |
| Net loans and leases to deposits | 87.2084% | 2,123 |
| Net loans and leases to core deposits | 96.6750% | 2,183 |
| Total domestic deposits to total assets | 86.9520% | 2,560 |
| Equity capital to assets | 10.4475% | 3,576 |
| Core capital (leverage) ratio | 10.2367% | 2,996 |
| Tier 1 risk-based capital ratio | 12.0659% | 5,398 |
| Total risk-based capital ratio | 13.3287% | 5,359 |
| Memoranda: | ||
| Average total assets | $391,725,000 | 1,708 |
| Average earning assets | $352,932,750 | 1,722 |
| Average equity | $38,954,000 | 1,713 |
| Average total loans | $312,106,250 | 1,453 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1371% | 702 |
| Cost of funding earning assets | 1.8377% | 1,498 |
| Net interest margin | 4.2994% | 1,782 |
| Noninterest income to average assets | 0.8213% | 2,009 |
| Noninterest expense to average assets | 3.2400% | 2,761 |
| Loan and lease loss provision to assets | 0.7388% | 1,960 |
| Net operating income to assets | 0.4976% | 4,340 |
| Return on assets (ROA) | 0.6328% | 3,857 |
| Pretax return on assets | 0.9039% | 3,477 |
| Return on Equity (ROE) | 6.4719% | 3,563 |
| Retained earnings to average equity (ytd only) | 6.4719% | 2,090 |
| Net charge-offs to loans | 0.8127% | 2,219 |
| Credit loss provision to net charge-offs | 113.1928% | 3,595 |
| Earnings coverage of net charge-offs (x) | 2.2209% | 3,898 |
| Efficiency ratio | 69.0895% | 4,361 |
| Assets per employee ($millions) | 3.6580% | 4,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3753% | 1,465 |
| Loan loss allowance to noncurrent loans | 63.7114% | 4,148 |
| Noncurrent assets plus other real estate owned to assets | 3.9585% | 1,750 |
| Noncurrent loans to loans | 3.7282% | 2,090 |
| Net loans and leases to total assets | 76.8581% | 1,316 |
| Net loans and leases to deposits | 88.3107% | 2,121 |
| Net loans and leases to core deposits | 99.0027% | 2,124 |
| Total domestic deposits to total assets | 87.0315% | 2,514 |
| Equity capital to assets | 10.0504% | 3,954 |
| Core capital (leverage) ratio | 9.7903% | 3,418 |
| Tier 1 risk-based capital ratio | 11.6477% | 5,630 |
| Total risk-based capital ratio | 12.9097% | 5,583 |
| Memoranda: | ||
| Average total assets | $392,533,330 | 1,719 |
| Average earning assets | $353,164,000 | 1,730 |
| Average equity | $38,381,330 | 1,735 |
| Average total loans | $315,264,000 | 1,459 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2158% | 624 |
| Cost of funding earning assets | 1.8980% | 1,454 |
| Net interest margin | 4.3178% | 1,638 |
| Noninterest income to average assets | 0.8305% | 1,882 |
| Noninterest expense to average assets | 3.2340% | 2,745 |
| Loan and lease loss provision to assets | 0.5064% | 2,465 |
| Net operating income to assets | 0.6652% | 3,587 |
| Return on assets (ROA) | 0.7120% | 3,492 |
| Pretax return on assets | 1.0382% | 2,939 |
| Return on Equity (ROE) | 7.3831% | 3,171 |
| Retained earnings to average equity (ytd only) | 7.3831% | 1,984 |
| Net charge-offs to loans | 0.5083% | 2,545 |
| Credit loss provision to net charge-offs | 122.8501% | 2,846 |
| Earnings coverage of net charge-offs (x) | 3.5823% | 2,855 |
| Efficiency ratio | 68.6519% | 4,590 |
| Assets per employee ($millions) | 3.7487% | 4,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2688% | 1,627 |
| Loan loss allowance to noncurrent loans | 79.3168% | 3,434 |
| Noncurrent assets plus other real estate owned to assets | 3.1213% | 2,290 |
| Noncurrent loans to loans | 2.8604% | 2,813 |
| Net loans and leases to total assets | 77.7805% | 1,191 |
| Net loans and leases to deposits | 89.8948% | 1,919 |
| Net loans and leases to core deposits | 101.2670% | 1,997 |
| Total domestic deposits to total assets | 86.5239% | 2,884 |
| Equity capital to assets | 9.6665% | 4,280 |
| Core capital (leverage) ratio | 9.6735% | 3,555 |
| Tier 1 risk-based capital ratio | 11.1054% | 6,052 |
| Total risk-based capital ratio | 12.3665% | 6,017 |
| Memoranda: | ||
| Average total assets | $394,926,500 | 1,746 |
| Average earning assets | $354,900,500 | 1,762 |
| Average equity | $38,087,000 | 1,768 |
| Average total loans | $320,263,000 | 1,475 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2780% | 1,066 |
| Cost of funding earning assets | 2.1977% | 2,047 |
| Net interest margin | 4.0804% | 2,528 |
| Noninterest income to average assets | 0.5799% | 3,787 |
| Noninterest expense to average assets | 3.3406% | 2,874 |
| Loan and lease loss provision to assets | 1.8554% | 1,212 |
| Net operating income to assets | -0.7107% | 6,376 |
| Return on assets (ROA) | -0.7096% | 6,372 |
| Pretax return on assets | -0.9139% | 6,352 |
| Return on Equity (ROE) | -7.3757% | 6,419 |
| Retained earnings to average equity (ytd only) | -7.5068% | 6,289 |
| Net charge-offs to loans | 1.4944% | 1,675 |
| Credit loss provision to net charge-offs | 147.0012% | 3,210 |
| Earnings coverage of net charge-offs (x) | 0.7447% | 5,351 |
| Efficiency ratio | 78.0417% | 3,187 |
| Assets per employee ($millions) | 3.6681% | 4,598 |
| Cash dividends to net income (ytd only)* | -1.7781% | 7,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1839% | 1,675 |
| Loan loss allowance to noncurrent loans | 60.0780% | 4,389 |
| Noncurrent assets plus other real estate owned to assets | 3.9221% | 1,689 |
| Noncurrent loans to loans | 3.6351% | 2,073 |
| Net loans and leases to total assets | 80.8168% | 864 |
| Net loans and leases to deposits | 93.7892% | 1,620 |
| Net loans and leases to core deposits | 121.4927% | 1,837 |
| Total domestic deposits to total assets | 86.1686% | 2,921 |
| Equity capital to assets | 9.6214% | 4,247 |
| Core capital (leverage) ratio | 9.4558% | 3,775 |
| Tier 1 risk-based capital ratio | 10.6795% | 6,227 |
| Total risk-based capital ratio | 11.9397% | 6,194 |
| Memoranda: | ||
| Average total assets | $396,306,200 | 1,732 |
| Average earning assets | $359,428,200 | 1,743 |
| Average equity | $38,125,200 | 1,757 |
| Average total loans | $334,719,000 | 1,440 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2115% | 1,348 |
| Cost of funding earning assets | 2.2469% | 2,201 |
| Net interest margin | 3.9646% | 2,971 |
| Noninterest income to average assets | 0.7018% | 3,004 |
| Noninterest expense to average assets | 3.3918% | 2,602 |
| Loan and lease loss provision to assets | 1.7788% | 1,043 |
| Net operating income to assets | -0.4554% | 6,379 |
| Return on assets (ROA) | -0.4534% | 6,383 |
| Pretax return on assets | -0.8552% | 6,575 |
| Return on Equity (ROE) | -4.7135% | 6,420 |
| Retained earnings to average equity (ytd only) | -4.8879% | 6,241 |
| Net charge-offs to loans | 1.5031% | 1,363 |
| Credit loss provision to net charge-offs | 139.3637% | 3,540 |
| Earnings coverage of net charge-offs (x) | 0.7213% | 5,314 |
| Efficiency ratio | 78.6520% | 3,058 |
| Assets per employee ($millions) | 3.7007% | 4,422 |
| Cash dividends to net income (ytd only)* | -3.7012% | 7,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9320% | 1,954 |
| Loan loss allowance to noncurrent loans | 46.7109% | 5,204 |
| Noncurrent assets plus other real estate owned to assets | 4.4313% | 1,388 |
| Noncurrent loans to loans | 4.1360% | 1,759 |
| Net loans and leases to total assets | 81.9619% | 817 |
| Net loans and leases to deposits | 98.3831% | 1,281 |
| Net loans and leases to core deposits | 130.2110% | 1,424 |
| Total domestic deposits to total assets | 83.3089% | 4,061 |
| Equity capital to assets | 10.0488% | 4,027 |
| Core capital (leverage) ratio | 9.7579% | 3,562 |
| Tier 1 risk-based capital ratio | 11.0209% | 5,932 |
| Total risk-based capital ratio | 12.2713% | 5,895 |
| Memoranda: | ||
| Average total assets | $397,260,250 | 1,748 |
| Average earning assets | $361,795,500 | 1,745 |
| Average equity | $38,215,750 | 1,782 |
| Average total loans | $337,328,750 | 1,448 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1630% | 1,584 |
| Cost of funding earning assets | 2.2744% | 2,470 |
| Net interest margin | 3.8886% | 3,160 |
| Noninterest income to average assets | 0.6728% | 3,176 |
| Noninterest expense to average assets | 3.4368% | 2,517 |
| Loan and lease loss provision to assets | 1.4539% | 1,194 |
| Net operating income to assets | -0.4070% | 6,455 |
| Return on assets (ROA) | -0.4041% | 6,459 |
| Pretax return on assets | -0.6723% | 6,578 |
| Return on Equity (ROE) | -4.2629% | 6,514 |
| Retained earnings to average equity (ytd only) | -4.5273% | 6,226 |
| Net charge-offs to loans | 1.9425% | 957 |
| Credit loss provision to net charge-offs | 87.6928% | 4,991 |
| Earnings coverage of net charge-offs (x) | 0.4687% | 5,234 |
| Efficiency ratio | 81.5586% | 2,784 |
| Assets per employee ($millions) | 3.7202% | 4,277 |
| Cash dividends to net income (ytd only)* | -6.2035% | 7,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 4,293 |
| Loan loss allowance to noncurrent loans | 40.1725% | 5,698 |
| Noncurrent assets plus other real estate owned to assets | 3.8057% | 1,594 |
| Noncurrent loans to loans | 3.2271% | 2,209 |
| Net loans and leases to total assets | 84.6364% | 542 |
| Net loans and leases to deposits | 101.7677% | 1,095 |
| Net loans and leases to core deposits | 134.3492% | 1,296 |
| Total domestic deposits to total assets | 83.1663% | 4,162 |
| Equity capital to assets | 9.9528% | 4,013 |
| Core capital (leverage) ratio | 9.9386% | 3,360 |
| Tier 1 risk-based capital ratio | 10.7867% | 6,098 |
| Total risk-based capital ratio | 12.0231% | 6,043 |
| Memoranda: | ||
| Average total assets | $398,921,670 | 1,764 |
| Average earning assets | $363,266,330 | 1,764 |
| Average equity | $37,814,670 | 1,809 |
| Average total loans | $340,488,000 | 1,465 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0476% | 2,162 |
| Cost of funding earning assets | 2.3610% | 2,459 |
| Net interest margin | 3.6866% | 3,956 |
| Noninterest income to average assets | 0.8123% | 2,271 |
| Noninterest expense to average assets | 3.2853% | 2,704 |
| Loan and lease loss provision to assets | 1.1018% | 1,187 |
| Net operating income to assets | -0.1148% | 6,436 |
| Return on assets (ROA) | -0.1142% | 6,545 |
| Pretax return on assets | -0.2254% | 6,599 |
| Return on Equity (ROE) | -1.2353% | 6,576 |
| Retained earnings to average equity (ytd only) | -1.7772% | 6,054 |
| Net charge-offs to loans | 0.5458% | 2,091 |
| Credit loss provision to net charge-offs | 237.0690% | 1,953 |
| Earnings coverage of net charge-offs (x) | 1.8836% | 3,778 |
| Efficiency ratio | 78.9600% | 3,010 |
| Assets per employee ($millions) | 3.4920% | 4,844 |
| Cash dividends to net income (ytd only)* | -43.8596% | 8,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6029% | 2,507 |
| Loan loss allowance to noncurrent loans | 39.0672% | 5,939 |
| Noncurrent assets plus other real estate owned to assets | 4.1682% | 1,212 |
| Noncurrent loans to loans | 4.1029% | 1,459 |
| Net loans and leases to total assets | 84.0884% | 677 |
| Net loans and leases to deposits | 100.6389% | 1,320 |
| Net loans and leases to core deposits | 133.4064% | 1,453 |
| Total domestic deposits to total assets | 83.5546% | 3,899 |
| Equity capital to assets | 10.1262% | 3,857 |
| Core capital (leverage) ratio | 10.1321% | 3,259 |
| Tier 1 risk-based capital ratio | 11.1812% | 5,721 |
| Total risk-based capital ratio | 12.4318% | 5,636 |
| Memoranda: | ||
| Average total assets | $399,353,500 | 1,767 |
| Average earning assets | $362,721,000 | 1,778 |
| Average equity | $36,913,000 | 1,854 |
| Average total loans | $340,068,500 | 1,479 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9966% | 1,135 |
| Cost of funding earning assets | 2.8870% | 2,323 |
| Net interest margin | 4.1096% | 2,666 |
| Noninterest income to average assets | 0.6455% | 3,505 |
| Noninterest expense to average assets | 3.3496% | 2,819 |
| Loan and lease loss provision to assets | 1.0682% | 1,361 |
| Net operating income to assets | 0.0430% | 6,250 |
| Return on assets (ROA) | 0.0346% | 6,128 |
| Pretax return on assets | 0.0162% | 6,124 |
| Return on Equity (ROE) | 0.3973% | 6,108 |
| Retained earnings to average equity (ytd only) | -2.0856% | 5,898 |
| Net charge-offs to loans | 0.6149% | 1,996 |
| Credit loss provision to net charge-offs | 204.7693% | 2,373 |
| Earnings coverage of net charge-offs (x) | 2.0949% | 5,026 |
| Efficiency ratio | 75.4003% | 3,343 |
| Assets per employee ($millions) | 3.4536% | 4,789 |
| Cash dividends to net income (ytd only)* | 625.0000% | 68 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3917% | 3,244 |
| Loan loss allowance to noncurrent loans | 37.4258% | 6,231 |
| Noncurrent assets plus other real estate owned to assets | 3.5802% | 1,231 |
| Noncurrent loans to loans | 3.7186% | 1,351 |
| Net loans and leases to total assets | 83.6723% | 941 |
| Net loans and leases to deposits | 105.3736% | 1,181 |
| Net loans and leases to core deposits | 144.5051% | 1,072 |
| Total domestic deposits to total assets | 79.4054% | 5,240 |
| Equity capital to assets | 8.3658% | 6,314 |
| Core capital (leverage) ratio | 8.4346% | 5,689 |
| Tier 1 risk-based capital ratio | 9.2029% | 7,611 |
| Total risk-based capital ratio | 10.4573% | 7,560 |
| Memoranda: | ||
| Average total assets | $369,774,200 | 1,818 |
| Average earning assets | $341,635,600 | 1,802 |
| Average equity | $32,220,200 | 2,099 |
| Average total loans | $313,699,200 | 1,546 |