Home > Palm Beach Community Bank > Performance and Condition Ratios
Palm Beach Community Bank, Performance and Condition Ratios
| 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 | 4.7840% | 953 |
| Cost of funding earning assets | 0.7349% | 822 |
| Net interest margin | 4.0491% | 1,549 |
| Noninterest income to average assets | 0.3287% | 4,186 |
| Noninterest expense to average assets | 2.8775% | 2,483 |
| Loan and lease loss provision to assets | 0.1462% | 1,436 |
| Net operating income to assets | 1.1207% | 1,991 |
| Return on assets (ROA) | 1.1275% | 2,026 |
| Pretax return on assets | 1.1275% | 3,194 |
| Return on Equity (ROE) | 9.1738% | 2,513 |
| Retained earnings to average equity (ytd only) | 0.9976% | 4,974 |
| Net charge-offs to loans | 0.2587% | 834 |
| Credit loss provision to net charge-offs | 67.6525% | 2,717 |
| Earnings coverage of net charge-offs (x) | 5.8632% | 3,052 |
| Efficiency ratio | 69.4324% | 2,630 |
| Assets per employee ($millions) | 7.3171% | 820 |
| Cash dividends to net income (ytd only)* | 89.1249% | 454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7514% | 5,015 |
| Loan loss allowance to noncurrent loans | 38.6616% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 1.6478% | 885 |
| Noncurrent loans to loans | 1.9436% | 886 |
| Net loans and leases to total assets | 84.1400% | 420 |
| Net loans and leases to deposits | 102.1625% | 602 |
| Net loans and leases to core deposits | 118.9124% | 621 |
| Total domestic deposits to total assets | 82.3590% | 3,669 |
| Equity capital to assets | 12.8702% | 1,456 |
| Core capital (leverage) ratio | 12.5451% | 1,401 |
| Tier 1 risk-based capital ratio | 16.6209% | 2,278 |
| Total risk-based capital ratio | 17.4499% | 2,369 |
| Memoranda: | ||
| Average total assets | $333,842,000 | 1,997 |
| Average earning assets | $314,597,000 | 1,978 |
| Average equity | $41,029,000 | 1,830 |
| Average total loans | $278,777,250 | 1,673 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7133% | 1,030 |
| Cost of funding earning assets | 0.7284% | 767 |
| Net interest margin | 3.9849% | 1,655 |
| Noninterest income to average assets | 0.4156% | 3,597 |
| Noninterest expense to average assets | 2.7939% | 2,787 |
| Loan and lease loss provision to assets | 0.2303% | 748 |
| Net operating income to assets | 1.1456% | 1,800 |
| Return on assets (ROA) | 1.1557% | 1,804 |
| Pretax return on assets | 1.1557% | 2,956 |
| Return on Equity (ROE) | 9.5468% | 2,246 |
| Retained earnings to average equity (ytd only) | -2.7584% | 5,406 |
| Net charge-offs to loans | 0.3854% | 533 |
| Credit loss provision to net charge-offs | 71.9039% | 2,360 |
| Earnings coverage of net charge-offs (x) | 4.2957% | 2,952 |
| Efficiency ratio | 67.0027% | 3,183 |
| Assets per employee ($millions) | 7.2711% | 821 |
| Cash dividends to net income (ytd only)* | 128.8934% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7521% | 5,077 |
| Loan loss allowance to noncurrent loans | 43.4983% | 4,729 |
| Noncurrent assets plus other real estate owned to assets | 1.4255% | 1,101 |
| Noncurrent loans to loans | 1.7289% | 1,046 |
| Net loans and leases to total assets | 81.8324% | 688 |
| Net loans and leases to deposits | 97.6196% | 926 |
| Net loans and leases to core deposits | 113.1382% | 841 |
| Total domestic deposits to total assets | 83.8278% | 3,274 |
| Equity capital to assets | 12.1297% | 1,843 |
| Core capital (leverage) ratio | 11.7741% | 1,782 |
| Tier 1 risk-based capital ratio | 16.5561% | 2,297 |
| Total risk-based capital ratio | 17.4108% | 2,386 |
| Memoranda: | ||
| Average total assets | $337,804,670 | 1,989 |
| Average earning assets | $318,247,670 | 1,962 |
| Average equity | $40,893,330 | 1,838 |
| Average total loans | $280,722,000 | 1,659 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5531% | 1,252 |
| Cost of funding earning assets | 0.6982% | 851 |
| Net interest margin | 3.8549% | 1,939 |
| Noninterest income to average assets | 0.5656% | 2,577 |
| Noninterest expense to average assets | 2.4014% | 4,107 |
| Loan and lease loss provision to assets | 0.2981% | 459 |
| Net operating income to assets | 1.4964% | 812 |
| Return on assets (ROA) | 1.5165% | 813 |
| Pretax return on assets | 1.5165% | 1,486 |
| Return on Equity (ROE) | 12.5393% | 1,104 |
| Retained earnings to average equity (ytd only) | 12.5393% | 420 |
| Net charge-offs to loans | 0.7641% | 225 |
| Credit loss provision to net charge-offs | 46.7652% | 2,016 |
| Earnings coverage of net charge-offs (x) | 2.8152% | 2,547 |
| Efficiency ratio | 57.2311% | 4,807 |
| Assets per employee ($millions) | 7.2081% | 858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6682% | 5,370 |
| Loan loss allowance to noncurrent loans | 40.0993% | 4,858 |
| Noncurrent assets plus other real estate owned to assets | 1.3969% | 1,197 |
| Noncurrent loans to loans | 1.6665% | 1,160 |
| Net loans and leases to total assets | 83.2616% | 439 |
| Net loans and leases to deposits | 102.6745% | 466 |
| Net loans and leases to core deposits | 118.1584% | 519 |
| Total domestic deposits to total assets | 81.0927% | 4,395 |
| Equity capital to assets | 12.0620% | 1,789 |
| Core capital (leverage) ratio | 12.4499% | 1,361 |
| Tier 1 risk-based capital ratio | 16.4069% | 2,393 |
| Total risk-based capital ratio | 17.1717% | 2,527 |
| Memoranda: | ||
| Average total assets | $339,472,500 | 1,993 |
| Average earning assets | $319,697,000 | 1,966 |
| Average equity | $41,055,000 | 1,821 |
| Average total loans | $283,194,000 | 1,654 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8750% | 774 |
| Cost of funding earning assets | 0.6801% | 908 |
| Net interest margin | 4.1949% | 1,131 |
| Noninterest income to average assets | 0.0909% | 5,668 |
| Noninterest expense to average assets | 2.3920% | 4,318 |
| Loan and lease loss provision to assets | 0.0322% | 3,709 |
| Net operating income to assets | 1.6253% | 642 |
| Return on assets (ROA) | 1.7187% | 548 |
| Pretax return on assets | 1.7187% | 957 |
| Return on Equity (ROE) | 14.4527% | 706 |
| Retained earnings to average equity (ytd only) | 8.5820% | 671 |
| Net charge-offs to loans | -0.1079% | 5,615 |
| Credit loss provision to net charge-offs | -36.7133% | 4,800 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0699% | 4,718 |
| Assets per employee ($millions) | 6.6591% | 1,068 |
| Cash dividends to net income (ytd only)* | 40.6200% | 2,831 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8054% | 5,091 |
| Loan loss allowance to noncurrent loans | 411.4603% | 1,238 |
| Noncurrent assets plus other real estate owned to assets | 0.1625% | 4,671 |
| Noncurrent loans to loans | 0.1957% | 4,454 |
| Net loans and leases to total assets | 82.3377% | 561 |
| Net loans and leases to deposits | 102.2501% | 520 |
| Net loans and leases to core deposits | 114.3665% | 682 |
| Total domestic deposits to total assets | 80.5257% | 4,446 |
| Equity capital to assets | 12.1268% | 1,725 |
| Core capital (leverage) ratio | 12.1711% | 1,496 |
| Tier 1 risk-based capital ratio | 16.4120% | 2,381 |
| Total risk-based capital ratio | 17.3192% | 2,455 |
| Memoranda: | ||
| Average total assets | $326,589,200 | 2,023 |
| Average earning assets | $308,187,000 | 1,989 |
| Average equity | $38,837,000 | 1,889 |
| Average total loans | $265,084,800 | 1,703 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8902% | 742 |
| Cost of funding earning assets | 0.6776% | 917 |
| Net interest margin | 4.2127% | 1,096 |
| Noninterest income to average assets | 0.0849% | 5,757 |
| Noninterest expense to average assets | 2.3581% | 4,391 |
| Loan and lease loss provision to assets | 0.0423% | 3,392 |
| Net operating income to assets | 1.6636% | 642 |
| Return on assets (ROA) | 1.6636% | 681 |
| Pretax return on assets | 1.6636% | 1,212 |
| Return on Equity (ROE) | 14.0605% | 816 |
| Retained earnings to average equity (ytd only) | 6.1547% | 2,088 |
| Net charge-offs to loans | 0.0046% | 3,757 |
| Credit loss provision to net charge-offs | 1,144.4444% | 359 |
| Earnings coverage of net charge-offs (x) | 461.9883% | 191 |
| Efficiency ratio | 58.0254% | 4,808 |
| Assets per employee ($millions) | 6.5267% | 1,086 |
| Cash dividends to net income (ytd only)* | 56.2268% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7124% | 5,408 |
| Loan loss allowance to noncurrent loans | 272.4576% | 1,761 |
| Noncurrent assets plus other real estate owned to assets | 0.2127% | 4,580 |
| Noncurrent loans to loans | 0.2615% | 4,325 |
| Net loans and leases to total assets | 80.7676% | 788 |
| Net loans and leases to deposits | 99.5870% | 732 |
| Net loans and leases to core deposits | 109.7040% | 938 |
| Total domestic deposits to total assets | 81.1026% | 4,227 |
| Equity capital to assets | 11.8329% | 2,230 |
| Core capital (leverage) ratio | 11.7128% | 1,877 |
| Tier 1 risk-based capital ratio | 16.0175% | 2,619 |
| Total risk-based capital ratio | 16.8161% | 2,739 |
| Memoranda: | ||
| Average total assets | $324,997,250 | 2,037 |
| Average earning assets | $306,971,000 | 2,003 |
| Average equity | $38,452,000 | 1,914 |
| Average total loans | $262,262,250 | 1,723 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9180% | 693 |
| Cost of funding earning assets | 0.6779% | 906 |
| Net interest margin | 4.2401% | 1,037 |
| Noninterest income to average assets | 0.0732% | 5,854 |
| Noninterest expense to average assets | 2.3991% | 4,336 |
| Loan and lease loss provision to assets | 0.0050% | 3,954 |
| Net operating income to assets | 1.6813% | 597 |
| Return on assets (ROA) | 1.6813% | 637 |
| Pretax return on assets | 1.6813% | 1,142 |
| Return on Equity (ROE) | 14.2107% | 797 |
| Retained earnings to average equity (ytd only) | 2.2548% | 4,441 |
| Net charge-offs to loans | 0.0069% | 3,447 |
| Credit loss provision to net charge-offs | 88.8889% | 2,257 |
| Earnings coverage of net charge-offs (x) | 302.0000% | 226 |
| Efficiency ratio | 58.7244% | 4,807 |
| Assets per employee ($millions) | 6.1455% | 1,306 |
| Cash dividends to net income (ytd only)* | 84.1328% | 808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7059% | 5,507 |
| Loan loss allowance to noncurrent loans | 1,230.8725% | 497 |
| Noncurrent assets plus other real estate owned to assets | 0.0457% | 5,384 |
| Noncurrent loans to loans | 0.0573% | 5,224 |
| Net loans and leases to total assets | 79.2079% | 1,034 |
| Net loans and leases to deposits | 96.3980% | 1,039 |
| Net loans and leases to core deposits | 107.2630% | 1,074 |
| Total domestic deposits to total assets | 82.1676% | 3,951 |
| Equity capital to assets | 11.6877% | 2,370 |
| Core capital (leverage) ratio | 11.5593% | 1,947 |
| Tier 1 risk-based capital ratio | 16.0811% | 2,603 |
| Total risk-based capital ratio | 16.8709% | 2,754 |
| Memoranda: | ||
| Average total assets | $322,376,000 | 2,061 |
| Average earning assets | $305,042,670 | 2,019 |
| Average equity | $38,140,330 | 1,932 |
| Average total loans | $259,425,330 | 1,740 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9818% | 603 |
| Cost of funding earning assets | 0.6768% | 906 |
| Net interest margin | 4.3050% | 922 |
| Noninterest income to average assets | 0.0649% | 5,922 |
| Noninterest expense to average assets | 2.3685% | 4,459 |
| Loan and lease loss provision to assets | 0.0100% | 3,562 |
| Net operating income to assets | 1.7723% | 490 |
| Return on assets (ROA) | 1.7723% | 524 |
| Pretax return on assets | 1.7723% | 895 |
| Return on Equity (ROE) | 14.8887% | 690 |
| Retained earnings to average equity (ytd only) | 14.8887% | 256 |
| Net charge-offs to loans | 0.0154% | 2,628 |
| Credit loss provision to net charge-offs | 80.0000% | 1,835 |
| Earnings coverage of net charge-offs (x) | 142.9000% | 417 |
| Efficiency ratio | 57.0613% | 5,087 |
| Assets per employee ($millions) | 6.6539% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7033% | 5,589 |
| Loan loss allowance to noncurrent loans | 1,002.1858% | 586 |
| Noncurrent assets plus other real estate owned to assets | 0.0561% | 5,389 |
| Noncurrent loans to loans | 0.0702% | 5,197 |
| Net loans and leases to total assets | 79.4241% | 896 |
| Net loans and leases to deposits | 97.9788% | 759 |
| Net loans and leases to core deposits | 108.9754% | 912 |
| Total domestic deposits to total assets | 81.0625% | 4,480 |
| Equity capital to assets | 11.9571% | 2,059 |
| Core capital (leverage) ratio | 11.9593% | 1,636 |
| Tier 1 risk-based capital ratio | 17.1386% | 2,237 |
| Total risk-based capital ratio | 17.9587% | 2,339 |
| Memoranda: | ||
| Average total assets | $320,709,000 | 2,081 |
| Average earning assets | $304,388,500 | 2,032 |
| Average equity | $38,176,500 | 1,926 |
| Average total loans | $259,227,000 | 1,736 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9754% | 661 |
| Cost of funding earning assets | 0.6753% | 937 |
| Net interest margin | 4.3001% | 963 |
| Noninterest income to average assets | 0.1248% | 5,788 |
| Noninterest expense to average assets | 2.3573% | 4,623 |
| Loan and lease loss provision to assets | 0.0561% | 3,188 |
| Net operating income to assets | 1.7771% | 502 |
| Return on assets (ROA) | 1.7771% | 516 |
| Pretax return on assets | 1.7771% | 841 |
| Return on Equity (ROE) | 15.7551% | 581 |
| Retained earnings to average equity (ytd only) | 11.7409% | 275 |
| Net charge-offs to loans | 0.0859% | 2,598 |
| Credit loss provision to net charge-offs | 82.7751% | 2,900 |
| Earnings coverage of net charge-offs (x) | 27.0622% | 1,556 |
| Efficiency ratio | 56.2534% | 5,324 |
| Assets per employee ($millions) | 6.1839% | 1,271 |
| Cash dividends to net income (ytd only)* | 25.4788% | 3,550 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7122% | 5,616 |
| Loan loss allowance to noncurrent loans | 797.8261% | 723 |
| Noncurrent assets plus other real estate owned to assets | 0.0729% | 5,343 |
| Noncurrent loans to loans | 0.0893% | 5,137 |
| Net loans and leases to total assets | 81.1188% | 692 |
| Net loans and leases to deposits | 96.8624% | 916 |
| Net loans and leases to core deposits | 107.1284% | 1,039 |
| Total domestic deposits to total assets | 83.7464% | 3,578 |
| Equity capital to assets | 11.8487% | 2,071 |
| Core capital (leverage) ratio | 11.4454% | 2,004 |
| Tier 1 risk-based capital ratio | 16.6243% | 2,414 |
| Total risk-based capital ratio | 17.4508% | 2,562 |
| Memoranda: | ||
| Average total assets | $308,536,600 | 2,101 |
| Average earning assets | $291,713,800 | 2,066 |
| Average equity | $34,801,400 | 2,047 |
| Average total loans | $243,207,400 | 1,775 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9576% | 677 |
| Cost of funding earning assets | 0.6693% | 986 |
| Net interest margin | 4.2884% | 978 |
| Noninterest income to average assets | 0.1430% | 5,766 |
| Noninterest expense to average assets | 2.3665% | 4,602 |
| Loan and lease loss provision to assets | 0.0956% | 2,261 |
| Net operating income to assets | 1.7321% | 587 |
| Return on assets (ROA) | 1.7321% | 610 |
| Pretax return on assets | 1.7321% | 1,027 |
| Return on Equity (ROE) | 15.5579% | 658 |
| Retained earnings to average equity (ytd only) | 10.1052% | 619 |
| Net charge-offs to loans | 0.1163% | 1,965 |
| Credit loss provision to net charge-offs | 105.2632% | 2,182 |
| Earnings coverage of net charge-offs (x) | 20.1244% | 1,888 |
| Efficiency ratio | 56.4235% | 5,292 |
| Assets per employee ($millions) | 6.4827% | 1,079 |
| Cash dividends to net income (ytd only)* | 35.0477% | 2,566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7573% | 5,612 |
| Loan loss allowance to noncurrent loans | 960.2041% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.0605% | 5,530 |
| Noncurrent loans to loans | 0.0789% | 5,308 |
| Net loans and leases to total assets | 76.0904% | 1,375 |
| Net loans and leases to deposits | 90.0312% | 1,645 |
| Net loans and leases to core deposits | 99.1936% | 1,586 |
| Total domestic deposits to total assets | 84.5157% | 3,214 |
| Equity capital to assets | 11.0754% | 2,933 |
| Core capital (leverage) ratio | 11.0200% | 2,468 |
| Tier 1 risk-based capital ratio | 16.4527% | 2,603 |
| Total risk-based capital ratio | 17.3276% | 2,717 |
| Memoranda: | ||
| Average total assets | $306,826,500 | 2,123 |
| Average earning assets | $289,863,250 | 2,094 |
| Average equity | $34,159,750 | 2,094 |
| Average total loans | $239,593,000 | 1,805 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9804% | 612 |
| Cost of funding earning assets | 0.6588% | 1,056 |
| Net interest margin | 4.3216% | 879 |
| Noninterest income to average assets | 0.1508% | 5,805 |
| Noninterest expense to average assets | 2.4029% | 4,536 |
| Loan and lease loss provision to assets | 0.2790% | 582 |
| Net operating income to assets | 1.5432% | 838 |
| Return on assets (ROA) | 1.5432% | 870 |
| Pretax return on assets | 1.5432% | 1,514 |
| Return on Equity (ROE) | 13.8356% | 938 |
| Retained earnings to average equity (ytd only) | 5.5152% | 2,530 |
| Net charge-offs to loans | 0.1767% | 1,401 |
| Credit loss provision to net charge-offs | 200.9569% | 1,221 |
| Earnings coverage of net charge-offs (x) | 13.1244% | 2,159 |
| Efficiency ratio | 56.8711% | 5,351 |
| Assets per employee ($millions) | 6.4011% | 1,103 |
| Cash dividends to net income (ytd only)* | 60.1378% | 1,530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8028% | 5,596 |
| Loan loss allowance to noncurrent loans | 4,429.7872% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0147% | 5,839 |
| Noncurrent loans to loans | 0.0181% | 5,690 |
| Net loans and leases to total assets | 80.3755% | 759 |
| Net loans and leases to deposits | 97.4254% | 843 |
| Net loans and leases to core deposits | 107.1988% | 1,012 |
| Total domestic deposits to total assets | 82.4995% | 4,127 |
| Equity capital to assets | 10.6107% | 3,311 |
| Core capital (leverage) ratio | 10.7465% | 2,681 |
| Tier 1 risk-based capital ratio | 15.0455% | 3,335 |
| Total risk-based capital ratio | 15.9770% | 3,442 |
| Memoranda: | ||
| Average total assets | $301,057,330 | 2,178 |
| Average earning assets | $283,830,670 | 2,142 |
| Average equity | $33,580,000 | 2,129 |
| Average total loans | $236,618,330 | 1,828 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9890% | 581 |
| Cost of funding earning assets | 0.6474% | 1,133 |
| Net interest margin | 4.3417% | 808 |
| Noninterest income to average assets | 0.1852% | 5,602 |
| Noninterest expense to average assets | 2.4626% | 4,396 |
| Loan and lease loss provision to assets | 0.2744% | 565 |
| Net operating income to assets | 1.5242% | 808 |
| Return on assets (ROA) | 1.5242% | 855 |
| Pretax return on assets | 1.5242% | 1,485 |
| Return on Equity (ROE) | 13.3094% | 1,023 |
| Retained earnings to average equity (ytd only) | 13.3094% | 415 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7914% | 5,359 |
| Assets per employee ($millions) | 6.2917% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8425% | 5,591 |
| Loan loss allowance to noncurrent loans | 990.9091% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 5,667 |
| Noncurrent loans to loans | 0.0850% | 5,443 |
| Net loans and leases to total assets | 77.4828% | 996 |
| Net loans and leases to deposits | 92.0450% | 1,184 |
| Net loans and leases to core deposits | 101.2272% | 1,238 |
| Total domestic deposits to total assets | 84.1792% | 3,748 |
| Equity capital to assets | 10.8180% | 3,175 |
| Core capital (leverage) ratio | 11.4661% | 2,027 |
| Tier 1 risk-based capital ratio | 15.6547% | 3,078 |
| Total risk-based capital ratio | 16.6257% | 3,139 |
| Memoranda: | ||
| Average total assets | $291,559,000 | 2,241 |
| Average earning assets | $273,719,500 | 2,221 |
| Average equity | $33,390,000 | 2,155 |
| Average total loans | $225,264,000 | 1,909 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9333% | 869 |
| Cost of funding earning assets | 0.5650% | 2,095 |
| Net interest margin | 4.3683% | 932 |
| Noninterest income to average assets | 0.1614% | 5,893 |
| Noninterest expense to average assets | 2.8102% | 3,440 |
| Loan and lease loss provision to assets | -0.0352% | 5,986 |
| Net operating income to assets | 1.4516% | 977 |
| Return on assets (ROA) | 1.4668% | 978 |
| Pretax return on assets | 1.4668% | 1,666 |
| Return on Equity (ROE) | 11.7256% | 1,488 |
| Retained earnings to average equity (ytd only) | 7.0552% | 1,381 |
| Net charge-offs to loans | 0.0660% | 3,540 |
| Credit loss provision to net charge-offs | -69.8413% | 5,460 |
| Earnings coverage of net charge-offs (x) | 28.0714% | 1,408 |
| Efficiency ratio | 66.4898% | 4,157 |
| Assets per employee ($millions) | 5.4802% | 1,785 |
| Cash dividends to net income (ytd only)* | 39.8307% | 2,859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9140% | 5,430 |
| Loan loss allowance to noncurrent loans | 79.4143% | 4,236 |
| Noncurrent assets plus other real estate owned to assets | 2.0173% | 1,260 |
| Noncurrent loans to loans | 1.1509% | 2,538 |
| Net loans and leases to total assets | 75.5351% | 1,338 |
| Net loans and leases to deposits | 95.3029% | 958 |
| Net loans and leases to core deposits | 103.4318% | 1,160 |
| Total domestic deposits to total assets | 79.2580% | 5,191 |
| Equity capital to assets | 12.1952% | 1,864 |
| Core capital (leverage) ratio | 12.2431% | 1,480 |
| Tier 1 risk-based capital ratio | 16.3518% | 2,787 |
| Total risk-based capital ratio | 17.2997% | 2,875 |
| Memoranda: | ||
| Average total assets | $249,730,600 | 2,529 |
| Average earning assets | $232,401,600 | 2,495 |
| Average equity | $31,239,400 | 2,205 |
| Average total loans | $190,934,000 | 2,113 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9693% | 812 |
| Cost of funding earning assets | 0.5503% | 2,286 |
| Net interest margin | 4.4190% | 864 |
| Noninterest income to average assets | 0.1687% | 5,916 |
| Noninterest expense to average assets | 2.8567% | 3,268 |
| Loan and lease loss provision to assets | -0.0370% | 6,141 |
| Net operating income to assets | 1.4648% | 997 |
| Return on assets (ROA) | 1.4648% | 1,039 |
| Pretax return on assets | 1.4648% | 1,756 |
| Return on Equity (ROE) | 11.6299% | 1,583 |
| Retained earnings to average equity (ytd only) | 5.3268% | 2,871 |
| Net charge-offs to loans | 0.0476% | 3,544 |
| Credit loss provision to net charge-offs | -101.4925% | 5,456 |
| Earnings coverage of net charge-offs (x) | 39.1647% | 1,150 |
| Efficiency ratio | 66.6751% | 4,100 |
| Assets per employee ($millions) | 5.3806% | 1,836 |
| Cash dividends to net income (ytd only)* | 54.1975% | 1,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 5,237 |
| Loan loss allowance to noncurrent loans | 383.1041% | 1,242 |
| Noncurrent assets plus other real estate owned to assets | 1.3541% | 2,281 |
| Noncurrent loans to loans | 0.2600% | 5,129 |
| Net loans and leases to total assets | 73.5176% | 1,594 |
| Net loans and leases to deposits | 87.4459% | 1,736 |
| Net loans and leases to core deposits | 94.2075% | 1,840 |
| Total domestic deposits to total assets | 84.0721% | 3,729 |
| Equity capital to assets | 11.9973% | 2,059 |
| Core capital (leverage) ratio | 12.2864% | 1,523 |
| Tier 1 risk-based capital ratio | 16.7226% | 2,716 |
| Total risk-based capital ratio | 17.7642% | 2,759 |
| Memoranda: | ||
| Average total assets | $245,030,250 | 2,579 |
| Average earning assets | $228,220,750 | 2,556 |
| Average equity | $30,862,250 | 2,237 |
| Average total loans | $187,490,750 | 2,152 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8956% | 916 |
| Cost of funding earning assets | 0.5333% | 2,511 |
| Net interest margin | 4.3623% | 919 |
| Noninterest income to average assets | 0.1524% | 6,036 |
| Noninterest expense to average assets | 2.9394% | 3,036 |
| Loan and lease loss provision to assets | -0.0569% | 6,307 |
| Net operating income to assets | 1.3391% | 1,207 |
| Return on assets (ROA) | 1.3391% | 1,251 |
| Pretax return on assets | 1.3391% | 2,120 |
| Return on Equity (ROE) | 10.4489% | 1,957 |
| Retained earnings to average equity (ytd only) | 0.9149% | 5,387 |
| Net charge-offs to loans | 0.0725% | 2,978 |
| Credit loss provision to net charge-offs | -101.4925% | 5,261 |
| Earnings coverage of net charge-offs (x) | 22.8507% | 1,490 |
| Efficiency ratio | 69.6290% | 3,719 |
| Assets per employee ($millions) | 5.5688% | 1,637 |
| Cash dividends to net income (ytd only)* | 91.2445% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0396% | 5,155 |
| Loan loss allowance to noncurrent loans | 185.0095% | 2,291 |
| Noncurrent assets plus other real estate owned to assets | 1.6421% | 1,991 |
| Noncurrent loans to loans | 0.5619% | 4,335 |
| Net loans and leases to total assets | 74.0764% | 1,432 |
| Net loans and leases to deposits | 88.2906% | 1,561 |
| Net loans and leases to core deposits | 94.0990% | 1,766 |
| Total domestic deposits to total assets | 83.9007% | 3,957 |
| Equity capital to assets | 12.1795% | 1,863 |
| Core capital (leverage) ratio | 12.4890% | 1,402 |
| Tier 1 risk-based capital ratio | 16.6825% | 2,752 |
| Total risk-based capital ratio | 17.7592% | 2,790 |
| Memoranda: | ||
| Average total assets | $238,823,330 | 2,647 |
| Average earning assets | $222,772,000 | 2,618 |
| Average equity | $30,606,000 | 2,240 |
| Average total loans | $184,727,670 | 2,178 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8267% | 993 |
| Cost of funding earning assets | 0.5275% | 2,633 |
| Net interest margin | 4.2992% | 996 |
| Noninterest income to average assets | 0.1631% | 6,002 |
| Noninterest expense to average assets | 2.8402% | 3,415 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.3531% | 1,093 |
| Return on assets (ROA) | 1.3531% | 1,136 |
| Pretax return on assets | 1.3531% | 1,903 |
| Return on Equity (ROE) | 10.2844% | 1,939 |
| Retained earnings to average equity (ytd only) | 10.2844% | 901 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7314% | 4,219 |
| Assets per employee ($millions) | 4.9073% | 2,369 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1330% | 4,963 |
| Loan loss allowance to noncurrent loans | 47.5810% | 5,289 |
| Noncurrent assets plus other real estate owned to assets | 1.8603% | 1,862 |
| Noncurrent loans to loans | 2.3813% | 1,475 |
| Net loans and leases to total assets | 77.2369% | 855 |
| Net loans and leases to deposits | 91.8010% | 972 |
| Net loans and leases to core deposits | 96.1764% | 1,372 |
| Total domestic deposits to total assets | 84.1351% | 4,230 |
| Equity capital to assets | 13.2132% | 1,207 |
| Core capital (leverage) ratio | 13.1951% | 1,090 |
| Tier 1 risk-based capital ratio | 18.4898% | 2,128 |
| Total risk-based capital ratio | 19.7387% | 2,091 |
| Memoranda: | ||
| Average total assets | $232,938,000 | 2,712 |
| Average earning assets | $218,368,000 | 2,668 |
| Average equity | $30,648,500 | 2,233 |
| Average total loans | $183,301,000 | 2,194 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0232% | 878 |
| Cost of funding earning assets | 0.6141% | 2,534 |
| Net interest margin | 4.4091% | 895 |
| Noninterest income to average assets | 0.0648% | 6,503 |
| Noninterest expense to average assets | 2.8244% | 3,638 |
| Loan and lease loss provision to assets | 0.1025% | 3,090 |
| Net operating income to assets | 1.3108% | 1,225 |
| Return on assets (ROA) | 1.3108% | 1,262 |
| Pretax return on assets | 1.3108% | 2,105 |
| Return on Equity (ROE) | 10.2376% | 2,018 |
| Retained earnings to average equity (ytd only) | 6.3621% | 1,766 |
| Net charge-offs to loans | 0.0559% | 4,448 |
| Credit loss provision to net charge-offs | 234.0000% | 981 |
| Earnings coverage of net charge-offs (x) | 32.2700% | 1,114 |
| Efficiency ratio | 66.6494% | 4,444 |
| Assets per employee ($millions) | 4.7984% | 2,449 |
| Cash dividends to net income (ytd only)* | 37.8550% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 4,944 |
| Loan loss allowance to noncurrent loans | 55.8532% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 1.6208% | 2,289 |
| Noncurrent loans to loans | 2.0445% | 1,942 |
| Net loans and leases to total assets | 78.3674% | 776 |
| Net loans and leases to deposits | 91.9735% | 1,053 |
| Net loans and leases to core deposits | 96.1528% | 1,446 |
| Total domestic deposits to total assets | 85.2065% | 3,636 |
| Equity capital to assets | 13.1002% | 1,230 |
| Core capital (leverage) ratio | 12.5422% | 1,336 |
| Tier 1 risk-based capital ratio | 19.1832% | 1,872 |
| Total risk-based capital ratio | 20.4344% | 1,830 |
| Memoranda: | ||
| Average total assets | $228,332,400 | 2,733 |
| Average earning assets | $216,098,800 | 2,661 |
| Average equity | $29,235,400 | 2,297 |
| Average total loans | $178,963,800 | 2,202 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0253% | 894 |
| Cost of funding earning assets | 0.6326% | 2,523 |
| Net interest margin | 4.3926% | 907 |
| Noninterest income to average assets | 0.0573% | 6,613 |
| Noninterest expense to average assets | 2.8113% | 3,618 |
| Loan and lease loss provision to assets | 0.0474% | 4,067 |
| Net operating income to assets | 1.3635% | 1,193 |
| Return on assets (ROA) | 1.3635% | 1,241 |
| Pretax return on assets | 1.3635% | 2,064 |
| Return on Equity (ROE) | 10.7120% | 1,922 |
| Retained earnings to average equity (ytd only) | 5.5031% | 2,723 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5835% | 4,378 |
| Assets per employee ($millions) | 5.2249% | 1,914 |
| Cash dividends to net income (ytd only)* | 48.6266% | 1,932 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1026% | 5,319 |
| Loan loss allowance to noncurrent loans | 200.1970% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.4223% | 5,160 |
| Noncurrent loans to loans | 0.5508% | 4,821 |
| Net loans and leases to total assets | 75.8332% | 1,023 |
| Net loans and leases to deposits | 88.0489% | 1,357 |
| Net loans and leases to core deposits | 91.5659% | 1,810 |
| Total domestic deposits to total assets | 86.1263% | 3,179 |
| Equity capital to assets | 12.2994% | 1,713 |
| Core capital (leverage) ratio | 12.2570% | 1,545 |
| Tier 1 risk-based capital ratio | 18.7132% | 2,076 |
| Total risk-based capital ratio | 19.9639% | 2,045 |
| Memoranda: | ||
| Average total assets | $227,834,500 | 2,762 |
| Average earning assets | $216,022,250 | 2,676 |
| Average equity | $29,001,000 | 2,334 |
| Average total loans | $178,058,750 | 2,221 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0323% | 863 |
| Cost of funding earning assets | 0.6505% | 2,487 |
| Net interest margin | 4.3818% | 880 |
| Noninterest income to average assets | 0.0581% | 6,647 |
| Noninterest expense to average assets | 2.8874% | 3,368 |
| Loan and lease loss provision to assets | 0.0358% | 4,233 |
| Net operating income to assets | 1.2850% | 1,362 |
| Return on assets (ROA) | 1.2850% | 1,456 |
| Pretax return on assets | 1.2850% | 2,353 |
| Return on Equity (ROE) | 9.9742% | 2,209 |
| Retained earnings to average equity (ytd only) | 2.1101% | 4,926 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.6145% | 4,080 |
| Assets per employee ($millions) | 5.3757% | 1,720 |
| Cash dividends to net income (ytd only)* | 78.8448% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1118% | 5,392 |
| Loan loss allowance to noncurrent loans | 497.7500% | 878 |
| Noncurrent assets plus other real estate owned to assets | 0.1691% | 5,994 |
| Noncurrent loans to loans | 0.2234% | 5,746 |
| Net loans and leases to total assets | 74.8721% | 1,123 |
| Net loans and leases to deposits | 86.8496% | 1,475 |
| Net loans and leases to core deposits | 90.5366% | 1,861 |
| Total domestic deposits to total assets | 86.2089% | 3,258 |
| Equity capital to assets | 12.0649% | 1,873 |
| Core capital (leverage) ratio | 12.3713% | 1,424 |
| Tier 1 risk-based capital ratio | 18.9958% | 1,991 |
| Total risk-based capital ratio | 20.2472% | 1,956 |
| Memoranda: | ||
| Average total assets | $223,664,000 | 2,807 |
| Average earning assets | $211,830,000 | 2,720 |
| Average equity | $28,814,330 | 2,355 |
| Average total loans | $175,980,330 | 2,243 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0424% | 833 |
| Cost of funding earning assets | 0.6585% | 2,572 |
| Net interest margin | 4.3838% | 825 |
| Noninterest income to average assets | 0.0460% | 6,746 |
| Noninterest expense to average assets | 2.9683% | 3,087 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2208% | 1,473 |
| Return on assets (ROA) | 1.2208% | 1,581 |
| Pretax return on assets | 1.2208% | 2,506 |
| Return on Equity (ROE) | 9.1597% | 2,409 |
| Retained earnings to average equity (ytd only) | 9.1597% | 1,328 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8571% | 3,816 |
| Assets per employee ($millions) | 4.8791% | 2,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0980% | 5,617 |
| Loan loss allowance to noncurrent loans | 1,667.5214% | 307 |
| Noncurrent assets plus other real estate owned to assets | 0.0533% | 6,448 |
| Noncurrent loans to loans | 0.0658% | 6,283 |
| Net loans and leases to total assets | 80.0369% | 417 |
| Net loans and leases to deposits | 94.2418% | 656 |
| Net loans and leases to core deposits | 98.4664% | 1,047 |
| Total domestic deposits to total assets | 84.9271% | 4,080 |
| Equity capital to assets | 13.3175% | 1,289 |
| Core capital (leverage) ratio | 13.2657% | 1,023 |
| Tier 1 risk-based capital ratio | 19.2976% | 1,956 |
| Total risk-based capital ratio | 20.5486% | 1,928 |
| Memoranda: | ||
| Average total assets | $217,231,000 | 2,910 |
| Average earning assets | $205,300,000 | 2,838 |
| Average equity | $28,953,000 | 2,381 |
| Average total loans | $174,427,500 | 2,277 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1888% | 1,138 |
| Cost of funding earning assets | 0.7198% | 3,331 |
| Net interest margin | 4.4690% | 1,003 |
| Noninterest income to average assets | 0.0519% | 6,679 |
| Noninterest expense to average assets | 2.7674% | 4,151 |
| Loan and lease loss provision to assets | 0.2796% | 2,414 |
| Net operating income to assets | 1.2223% | 1,525 |
| Return on assets (ROA) | 1.2659% | 1,556 |
| Pretax return on assets | 1.2659% | 2,538 |
| Return on Equity (ROE) | 9.3768% | 2,450 |
| Retained earnings to average equity (ytd only) | 7.2040% | 1,470 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8199% | 4,735 |
| Assets per employee ($millions) | 4.6718% | 2,673 |
| Cash dividends to net income (ytd only)* | 23.1721% | 3,639 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 5,387 |
| Loan loss allowance to noncurrent loans | 1,653.3898% | 317 |
| Noncurrent assets plus other real estate owned to assets | 0.0549% | 6,491 |
| Noncurrent loans to loans | 0.0689% | 6,316 |
| Net loans and leases to total assets | 78.7447% | 590 |
| Net loans and leases to deposits | 96.0774% | 609 |
| Net loans and leases to core deposits | 100.3059% | 1,006 |
| Total domestic deposits to total assets | 81.9597% | 5,115 |
| Equity capital to assets | 13.3391% | 1,292 |
| Core capital (leverage) ratio | 13.0973% | 1,082 |
| Tier 1 risk-based capital ratio | 20.0268% | 1,671 |
| Total risk-based capital ratio | 21.2785% | 1,645 |
| Memoranda: | ||
| Average total assets | $204,199,200 | 2,996 |
| Average earning assets | $192,705,000 | 2,923 |
| Average equity | $27,568,000 | 2,439 |
| Average total loans | $159,148,800 | 2,445 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1380% | 1,335 |
| Cost of funding earning assets | 0.7382% | 3,452 |
| Net interest margin | 4.3998% | 1,199 |
| Noninterest income to average assets | 0.0476% | 6,813 |
| Noninterest expense to average assets | 2.7536% | 4,159 |
| Loan and lease loss provision to assets | 0.2746% | 2,382 |
| Net operating income to assets | 1.1717% | 1,826 |
| Return on assets (ROA) | 1.2306% | 1,801 |
| Pretax return on assets | 1.2306% | 2,868 |
| Return on Equity (ROE) | 9.0862% | 2,754 |
| Retained earnings to average equity (ytd only) | 6.1600% | 2,593 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5640% | 4,529 |
| Assets per employee ($millions) | 5.1422% | 1,998 |
| Cash dividends to net income (ytd only)* | 32.2044% | 2,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0552% | 5,870 |
| Loan loss allowance to noncurrent loans | 161.4209% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.5274% | 5,357 |
| Noncurrent loans to loans | 0.6537% | 5,141 |
| Net loans and leases to total assets | 79.8320% | 516 |
| Net loans and leases to deposits | 95.7188% | 675 |
| Net loans and leases to core deposits | 99.0776% | 1,188 |
| Total domestic deposits to total assets | 83.4027% | 4,477 |
| Equity capital to assets | 13.2619% | 1,472 |
| Core capital (leverage) ratio | 13.1267% | 1,140 |
| Tier 1 risk-based capital ratio | 19.8385% | 1,800 |
| Total risk-based capital ratio | 21.0895% | 1,772 |
| Memoranda: | ||
| Average total assets | $201,523,500 | 3,055 |
| Average earning assets | $190,187,000 | 2,988 |
| Average equity | $27,293,500 | 2,482 |
| Average total loans | $156,142,250 | 2,518 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1395% | 1,404 |
| Cost of funding earning assets | 0.7689% | 3,449 |
| Net interest margin | 4.3706% | 1,278 |
| Noninterest income to average assets | 0.0504% | 6,856 |
| Noninterest expense to average assets | 2.7437% | 4,239 |
| Loan and lease loss provision to assets | 0.2873% | 2,283 |
| Net operating income to assets | 1.1390% | 1,915 |
| Return on assets (ROA) | 1.2287% | 1,807 |
| Pretax return on assets | 1.2287% | 2,809 |
| Return on Equity (ROE) | 9.0058% | 2,813 |
| Retained earnings to average equity (ytd only) | 4.5805% | 3,559 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.7965% | 4,566 |
| Assets per employee ($millions) | 5.2754% | 1,841 |
| Cash dividends to net income (ytd only)* | 49.1386% | 1,779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 6,119 |
| Loan loss allowance to noncurrent loans | 1,376.0331% | 329 |
| Noncurrent assets plus other real estate owned to assets | 0.0588% | 6,666 |
| Noncurrent loans to loans | 0.0734% | 6,479 |
| Net loans and leases to total assets | 79.2838% | 587 |
| Net loans and leases to deposits | 92.1556% | 934 |
| Net loans and leases to core deposits | 95.7603% | 1,446 |
| Total domestic deposits to total assets | 86.0325% | 3,343 |
| Equity capital to assets | 13.2797% | 1,402 |
| Core capital (leverage) ratio | 12.8480% | 1,197 |
| Tier 1 risk-based capital ratio | 20.1331% | 1,680 |
| Total risk-based capital ratio | 21.3803% | 1,647 |
| Memoranda: | ||
| Average total assets | $198,421,670 | 3,100 |
| Average earning assets | $187,023,330 | 3,032 |
| Average equity | $27,071,330 | 2,478 |
| Average total loans | $151,488,330 | 2,596 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2155% | 1,280 |
| Cost of funding earning assets | 0.7775% | 3,645 |
| Net interest margin | 4.4380% | 1,138 |
| Noninterest income to average assets | 0.0513% | 6,923 |
| Noninterest expense to average assets | 2.7582% | 4,214 |
| Loan and lease loss provision to assets | 0.2054% | 2,902 |
| Net operating income to assets | 1.2610% | 1,568 |
| Return on assets (ROA) | 1.2610% | 1,739 |
| Pretax return on assets | 1.2610% | 2,690 |
| Return on Equity (ROE) | 9.1145% | 2,781 |
| Retained earnings to average equity (ytd only) | 9.1145% | 1,550 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2893% | 4,686 |
| Assets per employee ($millions) | 5.5261% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9983% | 6,256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 73.7775% | 1,100 |
| Net loans and leases to deposits | 88.0156% | 1,160 |
| Net loans and leases to core deposits | 91.4947% | 1,702 |
| Total domestic deposits to total assets | 83.8233% | 4,576 |
| Equity capital to assets | 13.6870% | 1,149 |
| Core capital (leverage) ratio | 13.5492% | 929 |
| Tier 1 risk-based capital ratio | 22.6904% | 1,175 |
| Total risk-based capital ratio | 23.9402% | 1,155 |
| Memoranda: | ||
| Average total assets | $194,761,500 | 3,172 |
| Average earning assets | $183,146,500 | 3,110 |
| Average equity | $26,946,000 | 2,479 |
| Average total loans | $144,840,000 | 2,706 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2784% | 1,776 |
| Cost of funding earning assets | 0.9118% | 4,035 |
| Net interest margin | 4.3666% | 1,489 |
| Noninterest income to average assets | 0.0429% | 6,863 |
| Noninterest expense to average assets | 2.7750% | 4,449 |
| Loan and lease loss provision to assets | 0.1644% | 4,576 |
| Net operating income to assets | 1.1911% | 1,528 |
| Return on assets (ROA) | 1.2234% | 1,555 |
| Pretax return on assets | 1.2234% | 2,375 |
| Return on Equity (ROE) | 8.1883% | 2,812 |
| Retained earnings to average equity (ytd only) | 7.5911% | 1,231 |
| Net charge-offs to loans | -0.0199% | 6,956 |
| Credit loss provision to net charge-offs | -1,120.0000% | 6,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1831% | 4,539 |
| Assets per employee ($millions) | 5.2940% | 1,836 |
| Cash dividends to net income (ytd only)* | 7.2937% | 3,934 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9758% | 6,319 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 73.4835% | 1,360 |
| Net loans and leases to deposits | 90.4983% | 1,097 |
| Net loans and leases to core deposits | 93.5605% | 1,748 |
| Total domestic deposits to total assets | 81.1987% | 5,386 |
| Equity capital to assets | 13.9902% | 1,071 |
| Core capital (leverage) ratio | 14.1092% | 799 |
| Tier 1 risk-based capital ratio | 23.0367% | 1,095 |
| Total risk-based capital ratio | 24.2628% | 1,081 |
| Memoranda: | ||
| Average total assets | $170,344,800 | 3,484 |
| Average earning assets | $159,459,800 | 3,417 |
| Average equity | $25,450,800 | 2,530 |
| Average total loans | $125,901,000 | 3,063 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3244% | 1,772 |
| Cost of funding earning assets | 0.9516% | 4,032 |
| Net interest margin | 4.3728% | 1,481 |
| Noninterest income to average assets | 0.0452% | 6,972 |
| Noninterest expense to average assets | 2.8919% | 3,966 |
| Loan and lease loss provision to assets | 0.1452% | 4,630 |
| Net operating income to assets | 1.1003% | 1,967 |
| Return on assets (ROA) | 1.1447% | 1,945 |
| Pretax return on assets | 1.1447% | 2,838 |
| Return on Equity (ROE) | 7.5233% | 3,264 |
| Retained earnings to average equity (ytd only) | 6.7175% | 2,124 |
| Net charge-offs to loans | -0.0273% | 6,957 |
| Credit loss provision to net charge-offs | -720.0000% | 6,715 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8967% | 3,973 |
| Assets per employee ($millions) | 5.4655% | 1,638 |
| Cash dividends to net income (ytd only)* | 10.7117% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9921% | 6,312 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 70.8244% | 1,928 |
| Net loans and leases to deposits | 84.2774% | 1,960 |
| Net loans and leases to core deposits | 87.6866% | 2,531 |
| Total domestic deposits to total assets | 84.0372% | 4,212 |
| Equity capital to assets | 14.4004% | 1,023 |
| Core capital (leverage) ratio | 14.4778% | 776 |
| Tier 1 risk-based capital ratio | 25.4198% | 876 |
| Total risk-based capital ratio | 26.6705% | 868 |
| Memoranda: | ||
| Average total assets | $165,285,250 | 3,585 |
| Average earning assets | $154,681,000 | 3,519 |
| Average equity | $25,147,750 | 2,560 |
| Average total loans | $122,019,500 | 3,164 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4131% | 1,521 |
| Cost of funding earning assets | 0.9898% | 4,017 |
| Net interest margin | 4.4233% | 1,307 |
| Noninterest income to average assets | 0.0474% | 7,057 |
| Noninterest expense to average assets | 3.0089% | 3,607 |
| Loan and lease loss provision to assets | 0.1248% | 4,730 |
| Net operating income to assets | 1.0520% | 2,029 |
| Return on assets (ROA) | 1.1207% | 1,895 |
| Pretax return on assets | 1.1207% | 2,770 |
| Return on Equity (ROE) | 7.2208% | 3,336 |
| Retained earnings to average equity (ytd only) | 5.9986% | 2,434 |
| Net charge-offs to loans | -0.0418% | 7,001 |
| Credit loss provision to net charge-offs | -400.0000% | 6,469 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8843% | 3,758 |
| Assets per employee ($millions) | 5.3326% | 1,720 |
| Cash dividends to net income (ytd only)* | 16.9265% | 2,958 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9547% | 6,497 |
| Loan loss allowance to noncurrent loans | 845.0704% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.0832% | 6,890 |
| Noncurrent loans to loans | 0.1130% | 6,696 |
| Net loans and leases to total assets | 72.9535% | 1,601 |
| Net loans and leases to deposits | 87.6709% | 1,544 |
| Net loans and leases to core deposits | 91.1567% | 2,232 |
| Total domestic deposits to total assets | 83.2129% | 4,665 |
| Equity capital to assets | 14.8450% | 853 |
| Core capital (leverage) ratio | 15.0442% | 656 |
| Tier 1 risk-based capital ratio | 26.3071% | 786 |
| Total risk-based capital ratio | 27.5570% | 768 |
| Memoranda: | ||
| Average total assets | $160,259,330 | 3,684 |
| Average earning assets | $149,933,330 | 3,624 |
| Average equity | $24,872,670 | 2,572 |
| Average total loans | $119,685,670 | 3,237 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3621% | 1,694 |
| Cost of funding earning assets | 1.0476% | 3,870 |
| Net interest margin | 4.3145% | 1,519 |
| Noninterest income to average assets | 0.0284% | 7,221 |
| Noninterest expense to average assets | 2.8710% | 4,186 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1943% | 1,536 |
| Return on assets (ROA) | 1.1943% | 1,581 |
| Pretax return on assets | 1.1943% | 2,387 |
| Return on Equity (ROE) | 7.5153% | 3,141 |
| Retained earnings to average equity (ytd only) | 7.5153% | 1,931 |
| Net charge-offs to loans | -0.0857% | 7,044 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6218% | 4,131 |
| Assets per employee ($millions) | 5.2428% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9137% | 6,660 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 75.8439% | 1,048 |
| Net loans and leases to deposits | 93.8162% | 851 |
| Net loans and leases to core deposits | 96.6326% | 1,626 |
| Total domestic deposits to total assets | 80.8431% | 5,707 |
| Equity capital to assets | 15.7885% | 608 |
| Core capital (leverage) ratio | 15.6729% | 553 |
| Tier 1 risk-based capital ratio | 27.2524% | 686 |
| Total risk-based capital ratio | 28.4599% | 676 |
| Memoranda: | ||
| Average total assets | $155,067,500 | 3,793 |
| Average earning assets | $145,091,500 | 3,729 |
| Average equity | $24,643,000 | 2,585 |
| Average total loans | $116,683,500 | 3,321 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5640% | 2,035 |
| Cost of funding earning assets | 1.3066% | 3,841 |
| Net interest margin | 4.2574% | 1,966 |
| Noninterest income to average assets | 0.0343% | 7,177 |
| Noninterest expense to average assets | 2.5342% | 5,665 |
| Loan and lease loss provision to assets | 0.0789% | 6,370 |
| Net operating income to assets | 1.4270% | 890 |
| Return on assets (ROA) | 1.4250% | 962 |
| Pretax return on assets | 1.4250% | 1,577 |
| Return on Equity (ROE) | 8.9010% | 2,331 |
| Retained earnings to average equity (ytd only) | 8.9010% | 731 |
| Net charge-offs to loans | -0.0969% | 7,501 |
| Credit loss provision to net charge-offs | -115.0000% | 7,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7251% | 5,575 |
| Assets per employee ($millions) | 5.2707% | 1,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9515% | 6,573 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 73.2097% | 1,823 |
| Net loans and leases to deposits | 95.2025% | 932 |
| Net loans and leases to core deposits | 98.6425% | 1,735 |
| Total domestic deposits to total assets | 76.8989% | 6,495 |
| Equity capital to assets | 15.9980% | 583 |
| Core capital (leverage) ratio | 15.8000% | 532 |
| Tier 1 risk-based capital ratio | 28.4978% | 576 |
| Total risk-based capital ratio | 29.7479% | 564 |
| Memoranda: | ||
| Average total assets | $145,685,200 | 3,954 |
| Average earning assets | $137,078,200 | 3,874 |
| Average equity | $23,323,200 | 2,722 |
| Average total loans | $103,161,200 | 3,704 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5813% | 2,138 |
| Cost of funding earning assets | 1.3611% | 3,827 |
| Net interest margin | 4.2201% | 2,148 |
| Noninterest income to average assets | 0.0334% | 7,357 |
| Noninterest expense to average assets | 2.5500% | 5,522 |
| Loan and lease loss provision to assets | 0.1066% | 5,971 |
| Net operating income to assets | 1.3528% | 1,215 |
| Return on assets (ROA) | 1.3500% | 1,299 |
| Pretax return on assets | 1.3500% | 2,031 |
| Return on Equity (ROE) | 8.4312% | 2,723 |
| Retained earnings to average equity (ytd only) | 8.4312% | 1,265 |
| Net charge-offs to loans | -0.1324% | 7,582 |
| Credit loss provision to net charge-offs | -115.0000% | 6,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6006% | 5,322 |
| Assets per employee ($millions) | 5.1700% | 1,977 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 6,336 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 70.0480% | 2,721 |
| Net loans and leases to deposits | 87.3438% | 2,105 |
| Net loans and leases to core deposits | 89.8692% | 3,112 |
| Total domestic deposits to total assets | 80.1981% | 5,638 |
| Equity capital to assets | 15.9808% | 677 |
| Core capital (leverage) ratio | 15.7884% | 592 |
| Tier 1 risk-based capital ratio | 28.8575% | 575 |
| Total risk-based capital ratio | 30.0568% | 568 |
| Memoranda: | ||
| Average total assets | $143,894,000 | 4,039 |
| Average earning assets | $135,568,750 | 3,957 |
| Average equity | $23,040,750 | 2,800 |
| Average total loans | $100,707,500 | 3,845 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5613% | 2,289 |
| Cost of funding earning assets | 1.4067% | 3,834 |
| Net interest margin | 4.1545% | 2,318 |
| Noninterest income to average assets | 0.0367% | 7,403 |
| Noninterest expense to average assets | 2.5556% | 5,501 |
| Loan and lease loss provision to assets | 0.1621% | 5,268 |
| Net operating income to assets | 1.2405% | 1,451 |
| Return on assets (ROA) | 1.2405% | 1,513 |
| Pretax return on assets | 1.2405% | 2,289 |
| Return on Equity (ROE) | 7.7416% | 2,991 |
| Retained earnings to average equity (ytd only) | 7.7416% | 1,532 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5655% | 5,234 |
| Assets per employee ($millions) | 6.1500% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9262% | 6,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 67.8322% | 3,409 |
| Net loans and leases to deposits | 87.9641% | 2,170 |
| Net loans and leases to core deposits | 89.9558% | 3,277 |
| Total domestic deposits to total assets | 77.1135% | 6,476 |
| Equity capital to assets | 15.1987% | 837 |
| Core capital (leverage) ratio | 15.7301% | 604 |
| Tier 1 risk-based capital ratio | 30.0506% | 506 |
| Total risk-based capital ratio | 31.3061% | 496 |
| Memoranda: | ||
| Average total assets | $141,882,000 | 4,097 |
| Average earning assets | $133,926,000 | 4,021 |
| Average equity | $22,734,330 | 2,831 |
| Average total loans | $98,910,670 | 3,932 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6968% | 1,793 |
| Cost of funding earning assets | 1.5054% | 3,516 |
| Net interest margin | 4.1914% | 2,077 |
| Noninterest income to average assets | 0.0441% | 7,490 |
| Noninterest expense to average assets | 2.5833% | 5,423 |
| Loan and lease loss provision to assets | 0.1177% | 5,425 |
| Net operating income to assets | 1.2917% | 1,319 |
| Return on assets (ROA) | 1.2917% | 1,391 |
| Pretax return on assets | 1.2917% | 2,071 |
| Return on Equity (ROE) | 7.8332% | 2,966 |
| Retained earnings to average equity (ytd only) | 7.8332% | 1,777 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7015% | 5,353 |
| Assets per employee ($millions) | 5.8632% | 1,362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9260% | 6,754 |
| Loan loss allowance to noncurrent loans | 147.2995% | 1,891 |
| Noncurrent assets plus other real estate owned to assets | 0.4342% | 6,384 |
| Noncurrent loans to loans | 0.6287% | 6,059 |
| Net loans and leases to total assets | 68.4288% | 3,290 |
| Net loans and leases to deposits | 88.0681% | 2,214 |
| Net loans and leases to core deposits | 90.3318% | 3,322 |
| Total domestic deposits to total assets | 77.6999% | 6,395 |
| Equity capital to assets | 16.1068% | 654 |
| Core capital (leverage) ratio | 16.2742% | 536 |
| Tier 1 risk-based capital ratio | 31.5642% | 451 |
| Total risk-based capital ratio | 32.8138% | 446 |
| Memoranda: | ||
| Average total assets | $135,948,000 | 4,276 |
| Average earning assets | $128,072,000 | 4,191 |
| Average equity | $22,417,500 | 2,889 |
| Average total loans | $95,732,500 | 4,081 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6227% | 3,486 |
| Cost of funding earning assets | 2.0838% | 2,551 |
| Net interest margin | 3.5389% | 4,782 |
| Noninterest income to average assets | 0.0421% | 7,538 |
| Noninterest expense to average assets | 2.8861% | 4,584 |
| Loan and lease loss provision to assets | 0.4666% | 4,039 |
| Net operating income to assets | 0.0558% | 5,319 |
| Return on assets (ROA) | 0.0558% | 5,374 |
| Pretax return on assets | 0.0558% | 5,307 |
| Return on Equity (ROE) | 0.2982% | 5,442 |
| Retained earnings to average equity (ytd only) | 0.2982% | 4,741 |
| Net charge-offs to loans | 0.9394% | 2,515 |
| Credit loss provision to net charge-offs | 72.4000% | 6,442 |
| Earnings coverage of net charge-offs (x) | 0.8107% | 5,299 |
| Efficiency ratio | 84.6736% | 2,274 |
| Assets per employee ($millions) | 5.4658% | 1,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9122% | 6,761 |
| Loan loss allowance to noncurrent loans | 140.7529% | 2,035 |
| Noncurrent assets plus other real estate owned to assets | 0.4658% | 6,297 |
| Noncurrent loans to loans | 0.6481% | 5,940 |
| Net loans and leases to total assets | 71.2111% | 2,950 |
| Net loans and leases to deposits | 93.1894% | 1,711 |
| Net loans and leases to core deposits | 111.3662% | 2,758 |
| Total domestic deposits to total assets | 76.4154% | 6,602 |
| Equity capital to assets | 16.9006% | 566 |
| Core capital (leverage) ratio | 16.7085% | 525 |
| Tier 1 risk-based capital ratio | 32.2402% | 437 |
| Total risk-based capital ratio | 33.4964% | 429 |
| Memoranda: | ||
| Average total assets | $116,384,200 | 4,673 |
| Average earning assets | $110,711,800 | 4,541 |
| Average equity | $21,800,800 | 2,969 |
| Average total loans | $79,841,600 | 4,516 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5025% | 4,409 |
| Cost of funding earning assets | 2.2283% | 2,280 |
| Net interest margin | 3.2742% | 5,732 |
| Noninterest income to average assets | 0.0414% | 7,682 |
| Noninterest expense to average assets | 3.0491% | 3,843 |
| Loan and lease loss provision to assets | 0.3668% | 4,120 |
| Net operating income to assets | -0.2556% | 6,146 |
| Return on assets (ROA) | -0.2556% | 6,155 |
| Pretax return on assets | -0.2556% | 6,048 |
| Return on Equity (ROE) | -1.3266% | 5,987 |
| Retained earnings to average equity (ytd only) | -1.3266% | 5,563 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.4807% | 1,250 |
| Assets per employee ($millions) | 5.2130% | 1,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5246% | 3,308 |
| Loan loss allowance to noncurrent loans | 183.6000% | 1,602 |
| Noncurrent assets plus other real estate owned to assets | 0.5755% | 6,017 |
| Noncurrent loans to loans | 0.8304% | 5,637 |
| Net loans and leases to total assets | 68.2450% | 3,904 |
| Net loans and leases to deposits | 89.2176% | 2,737 |
| Net loans and leases to core deposits | 105.1586% | 3,800 |
| Total domestic deposits to total assets | 76.4928% | 6,478 |
| Equity capital to assets | 16.7879% | 663 |
| Core capital (leverage) ratio | 17.0023% | 557 |
| Tier 1 risk-based capital ratio | 32.9523% | 445 |
| Total risk-based capital ratio | 34.2239% | 432 |
| Memoranda: | ||
| Average total assets | $112,685,500 | 4,788 |
| Average earning assets | $107,341,750 | 4,668 |
| Average equity | $21,708,500 | 3,010 |
| Average total loans | $76,233,500 | 4,689 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4360% | 4,962 |
| Cost of funding earning assets | 2.3918% | 1,997 |
| Net interest margin | 3.0441% | 6,418 |
| Noninterest income to average assets | 0.0487% | 7,743 |
| Noninterest expense to average assets | 3.2695% | 3,087 |
| Loan and lease loss provision to assets | 0.2977% | 4,180 |
| Net operating income to assets | -0.6086% | 6,668 |
| Return on assets (ROA) | -0.6086% | 6,674 |
| Pretax return on assets | -0.6086% | 6,533 |
| Return on Equity (ROE) | -3.0021% | 6,361 |
| Retained earnings to average equity (ytd only) | -3.0021% | 5,973 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.5063% | 836 |
| Assets per employee ($millions) | 4.9638% | 2,122 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5451% | 2,970 |
| Loan loss allowance to noncurrent loans | 137.7528% | 2,139 |
| Noncurrent assets plus other real estate owned to assets | 0.7172% | 5,612 |
| Noncurrent loans to loans | 1.1216% | 4,977 |
| Net loans and leases to total assets | 62.9550% | 5,193 |
| Net loans and leases to deposits | 85.3628% | 3,671 |
| Net loans and leases to core deposits | 102.6394% | 4,216 |
| Total domestic deposits to total assets | 73.7499% | 6,985 |
| Equity capital to assets | 17.3456% | 620 |
| Core capital (leverage) ratio | 18.9838% | 422 |
| Tier 1 risk-based capital ratio | 35.5877% | 398 |
| Total risk-based capital ratio | 36.8467% | 396 |
| Memoranda: | ||
| Average total assets | $106,805,330 | 4,968 |
| Average earning assets | $102,097,670 | 4,837 |
| Average equity | $21,651,670 | 3,016 |
| Average total loans | $71,538,670 | 4,903 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4105% | 5,369 |
| Cost of funding earning assets | 2.4781% | 2,000 |
| Net interest margin | 2.9324% | 6,661 |
| Noninterest income to average assets | 0.0693% | 7,720 |
| Noninterest expense to average assets | 3.0807% | 3,447 |
| Loan and lease loss provision to assets | 0.4442% | 2,700 |
| Net operating income to assets | -0.6153% | 6,979 |
| Return on assets (ROA) | -0.6153% | 7,022 |
| Pretax return on assets | -0.6153% | 6,919 |
| Return on Equity (ROE) | -2.7815% | 6,754 |
| Retained earnings to average equity (ytd only) | -2.7815% | 6,240 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.8824% | 929 |
| Assets per employee ($millions) | 4.5348% | 2,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5954% | 2,538 |
| Loan loss allowance to noncurrent loans | 123.7895% | 2,536 |
| Noncurrent assets plus other real estate owned to assets | 0.8729% | 5,004 |
| Noncurrent loans to loans | 1.2888% | 4,398 |
| Net loans and leases to total assets | 66.6486% | 4,426 |
| Net loans and leases to deposits | 84.7425% | 3,861 |
| Net loans and leases to core deposits | 108.4357% | 3,621 |
| Total domestic deposits to total assets | 78.6484% | 5,835 |
| Equity capital to assets | 19.9008% | 427 |
| Core capital (leverage) ratio | 22.0628% | 304 |
| Tier 1 risk-based capital ratio | 39.1499% | 338 |
| Total risk-based capital ratio | 40.4104% | 331 |
| Memoranda: | ||
| Average total assets | $98,160,500 | 5,232 |
| Average earning assets | $95,074,500 | 5,055 |
| Average equity | $21,715,000 | 3,016 |
| Average total loans | $67,633,000 | 5,064 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5121% | 8,141 |
| Cost of funding earning assets | 1.4451% | 7,689 |
| Net interest margin | 2.0670% | 8,031 |
| Noninterest income to average assets | 0.0175% | 8,040 |
| Noninterest expense to average assets | 2.9511% | 4,254 |
| Loan and lease loss provision to assets | 1.4398% | 956 |
| Net operating income to assets | -2.3776% | 7,674 |
| Return on assets (ROA) | -2.3776% | 7,642 |
| Pretax return on assets | -2.3776% | 7,553 |
| Return on Equity (ROE) | -7.9547% | 7,122 |
| Retained earnings to average equity (ytd only) | -7.9547% | 6,884 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 146.5818% | 365 |
| Assets per employee ($millions) | 4.6045% | 2,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7335% | 1,815 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 69.1379% | 4,216 |
| Net loans and leases to deposits | 93.9180% | 2,778 |
| Net loans and leases to core deposits | 137.4369% | 1,414 |
| Total domestic deposits to total assets | 73.6152% | 6,714 |
| Equity capital to assets | 24.8851% | 269 |
| Core capital (leverage) ratio | 25.1095% | 263 |
| Tier 1 risk-based capital ratio | 50.9320% | 212 |
| Total risk-based capital ratio | 52.1975% | 208 |
| Memoranda: | ||
| Average total assets | $74,107,670 | 5,911 |
| Average earning assets | $71,553,000 | 5,759 |
| Average equity | $22,150,330 | 2,958 |
| Average total loans | $42,387,330 | 6,054 |