Home > River Town Bank > Performance and Condition Ratios
River Town Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.8611% | 5,233 |
| Cost of funding earning assets | 0.1257% | 5,153 |
| Net interest margin | 1.7354% | 5,207 |
| Noninterest income to average assets | 0.2360% | 4,325 |
| Noninterest expense to average assets | 0.9993% | 5,200 |
| Loan and lease loss provision to assets | 0.0097% | 3,702 |
| Net operating income to assets | 0.5844% | 4,329 |
| Return on assets (ROA) | 0.5920% | 4,368 |
| Pretax return on assets | 0.8000% | 4,118 |
| Return on Equity (ROE) | 4.7034% | 4,421 |
| Retained earnings to average equity (ytd only) | 4.7034% | 3,055 |
| Net charge-offs to loans | 0.0013% | 3,404 |
| Credit loss provision to net charge-offs | 1,000.0000% | 346 |
| Earnings coverage of net charge-offs (x) | 829.0526% | 115 |
| Efficiency ratio | 55.5376% | 4,212 |
| Assets per employee ($millions) | 3.2360% | 4,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0074% | 5,203 |
| Loan loss allowance to noncurrent loans | 0.6782% | 4,694 |
| Noncurrent assets plus other real estate owned to assets | 2.2935% | 327 |
| Noncurrent loans to loans | 1.0950% | 1,453 |
| Net loans and leases to total assets | 81.4039% | 644 |
| Net loans and leases to deposits | 94.7071% | 1,154 |
| Net loans and leases to core deposits | 96.2225% | 1,975 |
| Total domestic deposits to total assets | 85.9534% | 2,017 |
| Equity capital to assets | 12.2926% | 2,048 |
| Core capital (leverage) ratio | 10.3826% | 3,222 |
| Tier 1 risk-based capital ratio | 13.1339% | 3,774 |
| Total risk-based capital ratio | 13.1421% | 4,356 |
| Memoranda: | ||
| Average total assets | $137,825,750 | 3,499 |
| Average earning assets | $124,153,000 | 3,543 |
| Average equity | $17,348,750 | 3,428 |
| Average total loans | $99,197,750 | 3,277 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6516% | 2,515 |
| Cost of funding earning assets | 0.3911% | 4,545 |
| Net interest margin | 4.2605% | 1,218 |
| Noninterest income to average assets | 0.7976% | 1,354 |
| Noninterest expense to average assets | 4.0075% | 535 |
| Loan and lease loss provision to assets | 0.0149% | 3,477 |
| Net operating income to assets | 0.4726% | 4,590 |
| Return on assets (ROA) | 0.4726% | 4,619 |
| Pretax return on assets | 0.6247% | 4,493 |
| Return on Equity (ROE) | 3.7223% | 4,647 |
| Retained earnings to average equity (ytd only) | 3.7223% | 3,397 |
| Net charge-offs to loans | 0.2939% | 580 |
| Credit loss provision to net charge-offs | 7.4074% | 2,700 |
| Earnings coverage of net charge-offs (x) | 3.1778% | 2,872 |
| Efficiency ratio | 86.2368% | 536 |
| Assets per employee ($millions) | 2.7599% | 5,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5684% | 1,103 |
| Loan loss allowance to noncurrent loans | 125.4192% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 2.3811% | 321 |
| Noncurrent loans to loans | 1.2506% | 1,272 |
| Net loans and leases to total assets | 65.9440% | 3,116 |
| Net loans and leases to deposits | 77.2967% | 3,217 |
| Net loans and leases to core deposits | 78.4741% | 3,542 |
| Total domestic deposits to total assets | 85.3128% | 2,340 |
| Equity capital to assets | 12.8319% | 1,675 |
| Core capital (leverage) ratio | 12.8175% | 1,393 |
| Tier 1 risk-based capital ratio | 20.8743% | 1,197 |
| Total risk-based capital ratio | 22.1306% | 1,177 |
| Memoranda: | ||
| Average total assets | $134,149,670 | 3,565 |
| Average earning assets | $121,206,670 | 3,606 |
| Average equity | $17,032,330 | 3,464 |
| Average total loans | $91,869,670 | 3,415 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5876% | 2,576 |
| Cost of funding earning assets | 0.3691% | 4,606 |
| Net interest margin | 4.2185% | 1,265 |
| Noninterest income to average assets | 0.7904% | 1,317 |
| Noninterest expense to average assets | 3.9998% | 542 |
| Loan and lease loss provision to assets | 0.0299% | 3,018 |
| Net operating income to assets | 0.4521% | 4,638 |
| Return on assets (ROA) | 0.4521% | 4,655 |
| Pretax return on assets | 0.5928% | 4,531 |
| Return on Equity (ROE) | 3.5799% | 4,664 |
| Retained earnings to average equity (ytd only) | 3.5799% | 3,486 |
| Net charge-offs to loans | 0.4281% | 356 |
| Credit loss provision to net charge-offs | 10.1010% | 2,181 |
| Earnings coverage of net charge-offs (x) | 2.1010% | 2,529 |
| Efficiency ratio | 86.5285% | 546 |
| Assets per employee ($millions) | 2.7446% | 5,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5826% | 1,099 |
| Loan loss allowance to noncurrent loans | 139.0267% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 2.3489% | 352 |
| Noncurrent loans to loans | 1.1383% | 1,465 |
| Net loans and leases to total assets | 67.3736% | 2,843 |
| Net loans and leases to deposits | 78.8966% | 2,962 |
| Net loans and leases to core deposits | 80.0997% | 3,365 |
| Total domestic deposits to total assets | 85.3948% | 2,529 |
| Equity capital to assets | 12.6757% | 1,639 |
| Core capital (leverage) ratio | 12.8501% | 1,342 |
| Tier 1 risk-based capital ratio | 20.2531% | 1,298 |
| Total risk-based capital ratio | 21.5092% | 1,263 |
| Memoranda: | ||
| Average total assets | $133,608,000 | 3,611 |
| Average earning assets | $121,370,500 | 3,639 |
| Average equity | $16,872,000 | 3,489 |
| Average total loans | $92,505,000 | 3,439 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3927% | 2,789 |
| Cost of funding earning assets | 0.3381% | 4,359 |
| Net interest margin | 4.0546% | 1,807 |
| Noninterest income to average assets | 1.3778% | 480 |
| Noninterest expense to average assets | 3.8699% | 629 |
| Loan and lease loss provision to assets | 0.0891% | 2,362 |
| Net operating income to assets | 0.8218% | 3,722 |
| Return on assets (ROA) | 0.8218% | 3,722 |
| Pretax return on assets | 1.0779% | 3,356 |
| Return on Equity (ROE) | 6.6463% | 3,952 |
| Retained earnings to average equity (ytd only) | 0.8766% | 4,748 |
| Net charge-offs to loans | 0.4065% | 454 |
| Credit loss provision to net charge-offs | 31.5789% | 3,342 |
| Earnings coverage of net charge-offs (x) | 4.1368% | 3,328 |
| Efficiency ratio | 76.8312% | 1,252 |
| Assets per employee ($millions) | 2.7088% | 5,136 |
| Cash dividends to net income (ytd only)* | 86.8112% | 512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6633% | 896 |
| Loan loss allowance to noncurrent loans | 96.1443% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 2.1058% | 439 |
| Noncurrent loans to loans | 1.7301% | 831 |
| Net loans and leases to total assets | 68.8608% | 2,751 |
| Net loans and leases to deposits | 80.6315% | 2,887 |
| Net loans and leases to core deposits | 81.8745% | 3,273 |
| Total domestic deposits to total assets | 85.4019% | 2,469 |
| Equity capital to assets | 12.5797% | 1,544 |
| Core capital (leverage) ratio | 12.7114% | 1,367 |
| Tier 1 risk-based capital ratio | 19.9950% | 1,309 |
| Total risk-based capital ratio | 21.2526% | 1,281 |
| Memoranda: | ||
| Average total assets | $134,707,600 | 3,582 |
| Average earning assets | $121,566,600 | 3,620 |
| Average equity | $16,656,000 | 3,442 |
| Average total loans | $93,491,600 | 3,414 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3084% | 2,934 |
| Cost of funding earning assets | 0.3335% | 4,290 |
| Net interest margin | 3.9749% | 2,030 |
| Noninterest income to average assets | 0.7012% | 1,857 |
| Noninterest expense to average assets | 3.8263% | 647 |
| Loan and lease loss provision to assets | 0.0888% | 2,197 |
| Net operating income to assets | 0.2771% | 5,125 |
| Return on assets (ROA) | 0.2771% | 5,119 |
| Pretax return on assets | 0.3590% | 5,077 |
| Return on Equity (ROE) | 2.2508% | 5,103 |
| Retained earnings to average equity (ytd only) | 2.2508% | 4,481 |
| Net charge-offs to loans | 0.0470% | 2,157 |
| Credit loss provision to net charge-offs | 272.7273% | 1,105 |
| Earnings coverage of net charge-offs (x) | 13.7573% | 2,330 |
| Efficiency ratio | 89.5247% | 342 |
| Assets per employee ($millions) | 2.6845% | 5,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9631% | 519 |
| Loan loss allowance to noncurrent loans | 49.0909% | 4,413 |
| Noncurrent assets plus other real estate owned to assets | 3.7973% | 138 |
| Noncurrent loans to loans | 3.9989% | 203 |
| Net loans and leases to total assets | 69.3147% | 2,757 |
| Net loans and leases to deposits | 81.0261% | 2,927 |
| Net loans and leases to core deposits | 82.2553% | 3,306 |
| Total domestic deposits to total assets | 85.5461% | 2,372 |
| Equity capital to assets | 12.4379% | 1,632 |
| Core capital (leverage) ratio | 12.3180% | 1,599 |
| Tier 1 risk-based capital ratio | 19.4068% | 1,450 |
| Total risk-based capital ratio | 20.6676% | 1,421 |
| Memoranda: | ||
| Average total assets | $135,202,000 | 3,615 |
| Average earning assets | $121,526,750 | 3,657 |
| Average equity | $16,645,750 | 3,459 |
| Average total loans | $93,628,250 | 3,435 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1906% | 3,146 |
| Cost of funding earning assets | 0.3222% | 4,258 |
| Net interest margin | 3.8684% | 2,320 |
| Noninterest income to average assets | 0.6729% | 1,990 |
| Noninterest expense to average assets | 3.8369% | 645 |
| Loan and lease loss provision to assets | 0.0885% | 2,143 |
| Net operating income to assets | 0.1741% | 5,248 |
| Return on assets (ROA) | 0.1741% | 5,241 |
| Pretax return on assets | 0.2199% | 5,225 |
| Return on Equity (ROE) | 1.4192% | 5,230 |
| Retained earnings to average equity (ytd only) | 1.4192% | 4,658 |
| Net charge-offs to loans | 0.0665% | 1,672 |
| Credit loss provision to net charge-offs | 193.5484% | 1,335 |
| Earnings coverage of net charge-offs (x) | 6.7419% | 2,596 |
| Efficiency ratio | 92.5596% | 291 |
| Assets per employee ($millions) | 2.8363% | 5,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9265% | 605 |
| Loan loss allowance to noncurrent loans | 41.0239% | 4,577 |
| Noncurrent assets plus other real estate owned to assets | 4.2419% | 121 |
| Noncurrent loans to loans | 4.6960% | 156 |
| Net loans and leases to total assets | 68.6161% | 2,772 |
| Net loans and leases to deposits | 80.0480% | 2,943 |
| Net loans and leases to core deposits | 81.9460% | 3,244 |
| Total domestic deposits to total assets | 85.7187% | 2,405 |
| Equity capital to assets | 12.1842% | 1,727 |
| Core capital (leverage) ratio | 12.1639% | 1,611 |
| Tier 1 risk-based capital ratio | 19.2052% | 1,500 |
| Total risk-based capital ratio | 20.4657% | 1,455 |
| Memoranda: | ||
| Average total assets | $135,527,000 | 3,628 |
| Average earning assets | $121,653,330 | 3,676 |
| Average equity | $16,629,330 | 3,481 |
| Average total loans | $93,203,670 | 3,459 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1288% | 3,133 |
| Cost of funding earning assets | 0.3133% | 4,244 |
| Net interest margin | 3.8156% | 2,356 |
| Noninterest income to average assets | 0.6597% | 1,996 |
| Noninterest expense to average assets | 3.8308% | 647 |
| Loan and lease loss provision to assets | 0.0887% | 2,031 |
| Net operating income to assets | 0.1302% | 5,309 |
| Return on assets (ROA) | 0.1302% | 5,305 |
| Pretax return on assets | 0.1627% | 5,293 |
| Return on Equity (ROE) | 1.0571% | 5,303 |
| Retained earnings to average equity (ytd only) | 1.0571% | 4,616 |
| Net charge-offs to loans | 0.1562% | 901 |
| Credit loss provision to net charge-offs | 83.3333% | 1,711 |
| Earnings coverage of net charge-offs (x) | 2.3611% | 2,471 |
| Efficiency ratio | 93.8406% | 304 |
| Assets per employee ($millions) | 2.5813% | 5,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9723% | 574 |
| Loan loss allowance to noncurrent loans | 40.2504% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 4.2761% | 133 |
| Noncurrent loans to loans | 4.9000% | 159 |
| Net loans and leases to total assets | 65.3958% | 3,127 |
| Net loans and leases to deposits | 76.2022% | 3,192 |
| Net loans and leases to core deposits | 77.8236% | 3,507 |
| Total domestic deposits to total assets | 85.8187% | 2,624 |
| Equity capital to assets | 12.0995% | 1,716 |
| Core capital (leverage) ratio | 12.0602% | 1,617 |
| Tier 1 risk-based capital ratio | 19.3937% | 1,452 |
| Total risk-based capital ratio | 20.6596% | 1,418 |
| Memoranda: | ||
| Average total assets | $135,219,000 | 3,669 |
| Average earning assets | $121,293,000 | 3,729 |
| Average equity | $16,650,000 | 3,514 |
| Average total loans | $92,180,000 | 3,500 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3033% | 2,317 |
| Cost of funding earning assets | 0.2984% | 4,161 |
| Net interest margin | 4.0049% | 1,739 |
| Noninterest income to average assets | 0.7564% | 1,750 |
| Noninterest expense to average assets | 3.8825% | 626 |
| Loan and lease loss provision to assets | 0.0805% | 2,591 |
| Net operating income to assets | 0.1618% | 5,176 |
| Return on assets (ROA) | 0.1618% | 5,184 |
| Pretax return on assets | 0.3800% | 5,112 |
| Return on Equity (ROE) | 1.3105% | 5,187 |
| Retained earnings to average equity (ytd only) | 1.3105% | 4,498 |
| Net charge-offs to loans | -0.0117% | 4,825 |
| Credit loss provision to net charge-offs | -1,000.0000% | 5,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3947% | 456 |
| Assets per employee ($millions) | 2.5720% | 5,430 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9400% | 600 |
| Loan loss allowance to noncurrent loans | 81.8676% | 3,881 |
| Noncurrent assets plus other real estate owned to assets | 2.5593% | 358 |
| Noncurrent loans to loans | 2.3696% | 590 |
| Net loans and leases to total assets | 68.2548% | 2,785 |
| Net loans and leases to deposits | 80.1025% | 2,905 |
| Net loans and leases to core deposits | 81.8807% | 3,254 |
| Total domestic deposits to total assets | 85.2093% | 2,754 |
| Equity capital to assets | 12.6075% | 1,454 |
| Core capital (leverage) ratio | 12.2080% | 1,493 |
| Tier 1 risk-based capital ratio | 19.4268% | 1,429 |
| Total risk-based capital ratio | 20.6912% | 1,399 |
| Memoranda: | ||
| Average total assets | $136,562,600 | 3,659 |
| Average earning assets | $122,300,400 | 3,706 |
| Average equity | $16,863,200 | 3,495 |
| Average total loans | $93,854,400 | 3,454 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2978% | 2,265 |
| Cost of funding earning assets | 0.2917% | 4,214 |
| Net interest margin | 4.0061% | 1,679 |
| Noninterest income to average assets | 0.7732% | 1,691 |
| Noninterest expense to average assets | 3.8727% | 616 |
| Loan and lease loss provision to assets | 0.0777% | 2,527 |
| Net operating income to assets | 0.2729% | 5,266 |
| Return on assets (ROA) | 0.2729% | 5,282 |
| Pretax return on assets | 0.4109% | 5,169 |
| Return on Equity (ROE) | 2.2217% | 5,271 |
| Retained earnings to average equity (ytd only) | 2.2217% | 4,528 |
| Net charge-offs to loans | -0.0326% | 5,025 |
| Credit loss provision to net charge-offs | -347.8261% | 4,726 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7973% | 460 |
| Assets per employee ($millions) | 2.5690% | 5,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9007% | 704 |
| Loan loss allowance to noncurrent loans | 130.6063% | 3,055 |
| Noncurrent assets plus other real estate owned to assets | 1.1883% | 1,387 |
| Noncurrent loans to loans | 1.4553% | 1,287 |
| Net loans and leases to total assets | 67.7784% | 2,875 |
| Net loans and leases to deposits | 80.2116% | 2,952 |
| Net loans and leases to core deposits | 81.9808% | 3,286 |
| Total domestic deposits to total assets | 84.4995% | 2,919 |
| Equity capital to assets | 12.5583% | 1,629 |
| Core capital (leverage) ratio | 12.0821% | 1,635 |
| Tier 1 risk-based capital ratio | 19.2867% | 1,524 |
| Total risk-based capital ratio | 20.5498% | 1,474 |
| Memoranda: | ||
| Average total assets | $137,266,750 | 3,683 |
| Average earning assets | $122,943,000 | 3,732 |
| Average equity | $16,863,500 | 3,534 |
| Average total loans | $94,044,500 | 3,481 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2540% | 2,274 |
| Cost of funding earning assets | 0.2755% | 4,332 |
| Net interest margin | 3.9785% | 1,677 |
| Noninterest income to average assets | 0.7382% | 1,823 |
| Noninterest expense to average assets | 3.8420% | 635 |
| Loan and lease loss provision to assets | 0.0727% | 2,520 |
| Net operating income to assets | 0.2630% | 5,300 |
| Return on assets (ROA) | 0.2630% | 5,321 |
| Pretax return on assets | 0.3909% | 5,187 |
| Return on Equity (ROE) | 2.1567% | 5,319 |
| Retained earnings to average equity (ytd only) | 2.1567% | 4,387 |
| Net charge-offs to loans | -0.0383% | 5,056 |
| Credit loss provision to net charge-offs | -277.7778% | 4,535 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2339% | 486 |
| Assets per employee ($millions) | 2.4488% | 5,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8535% | 788 |
| Loan loss allowance to noncurrent loans | 118.9281% | 3,246 |
| Noncurrent assets plus other real estate owned to assets | 1.3556% | 1,179 |
| Noncurrent loans to loans | 1.5585% | 1,198 |
| Net loans and leases to total assets | 67.6878% | 2,854 |
| Net loans and leases to deposits | 80.2370% | 2,883 |
| Net loans and leases to core deposits | 81.1411% | 3,334 |
| Total domestic deposits to total assets | 84.3598% | 3,063 |
| Equity capital to assets | 12.4149% | 1,660 |
| Core capital (leverage) ratio | 11.9654% | 1,650 |
| Tier 1 risk-based capital ratio | 19.3605% | 1,504 |
| Total risk-based capital ratio | 20.6248% | 1,450 |
| Memoranda: | ||
| Average total assets | $137,636,670 | 3,698 |
| Average earning assets | $123,414,000 | 3,747 |
| Average equity | $16,785,000 | 3,558 |
| Average total loans | $94,035,000 | 3,499 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1857% | 2,319 |
| Cost of funding earning assets | 0.2743% | 4,311 |
| Net interest margin | 3.9114% | 1,739 |
| Noninterest income to average assets | 0.7513% | 1,742 |
| Noninterest expense to average assets | 3.8988% | 601 |
| Loan and lease loss provision to assets | 0.0580% | 2,644 |
| Net operating income to assets | 0.2147% | 5,377 |
| Return on assets (ROA) | 0.2147% | 5,387 |
| Pretax return on assets | 0.3104% | 5,302 |
| Return on Equity (ROE) | 1.7762% | 5,369 |
| Retained earnings to average equity (ytd only) | 1.7762% | 4,404 |
| Net charge-offs to loans | -0.3200% | 5,691 |
| Credit loss provision to net charge-offs | -26.6667% | 3,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3664% | 485 |
| Assets per employee ($millions) | 2.4604% | 5,639 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9037% | 786 |
| Loan loss allowance to noncurrent loans | 121.6678% | 3,241 |
| Noncurrent assets plus other real estate owned to assets | 1.3623% | 1,233 |
| Noncurrent loans to loans | 1.5647% | 1,254 |
| Net loans and leases to total assets | 66.5694% | 2,886 |
| Net loans and leases to deposits | 77.7809% | 3,001 |
| Net loans and leases to core deposits | 78.6392% | 3,427 |
| Total domestic deposits to total assets | 85.5858% | 2,848 |
| Equity capital to assets | 12.1773% | 1,720 |
| Core capital (leverage) ratio | 11.8227% | 1,733 |
| Tier 1 risk-based capital ratio | 19.1009% | 1,586 |
| Total risk-based capital ratio | 20.3668% | 1,548 |
| Memoranda: | ||
| Average total assets | $137,888,000 | 3,728 |
| Average earning assets | $123,945,500 | 3,771 |
| Average equity | $16,665,000 | 3,586 |
| Average total loans | $93,764,500 | 3,519 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2388% | 2,356 |
| Cost of funding earning assets | 0.2824% | 4,236 |
| Net interest margin | 3.9564% | 1,762 |
| Noninterest income to average assets | 0.7294% | 2,038 |
| Noninterest expense to average assets | 3.7893% | 783 |
| Loan and lease loss provision to assets | 0.1453% | 1,719 |
| Net operating income to assets | 0.2167% | 5,390 |
| Return on assets (ROA) | 0.2226% | 5,439 |
| Pretax return on assets | 0.3693% | 5,265 |
| Return on Equity (ROE) | 1.8436% | 5,433 |
| Retained earnings to average equity (ytd only) | -0.7985% | 5,419 |
| Net charge-offs to loans | 0.2729% | 1,013 |
| Credit loss provision to net charge-offs | 83.6735% | 2,914 |
| Earnings coverage of net charge-offs (x) | 2.9102% | 3,746 |
| Efficiency ratio | 88.2324% | 657 |
| Assets per employee ($millions) | 2.4642% | 5,672 |
| Cash dividends to net income (ytd only)* | 143.3121% | 166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7920% | 961 |
| Loan loss allowance to noncurrent loans | 101.9359% | 3,588 |
| Noncurrent assets plus other real estate owned to assets | 1.4203% | 1,199 |
| Noncurrent loans to loans | 1.7580% | 1,088 |
| Net loans and leases to total assets | 66.9184% | 2,943 |
| Net loans and leases to deposits | 79.4829% | 2,942 |
| Net loans and leases to core deposits | 80.3711% | 3,364 |
| Total domestic deposits to total assets | 84.1922% | 3,351 |
| Equity capital to assets | 11.9946% | 1,812 |
| Core capital (leverage) ratio | 11.5811% | 1,871 |
| Tier 1 risk-based capital ratio | 18.7358% | 1,674 |
| Total risk-based capital ratio | 20.0016% | 1,635 |
| Memoranda: | ||
| Average total assets | $141,081,800 | 3,652 |
| Average earning assets | $127,135,400 | 3,698 |
| Average equity | $17,032,000 | 3,550 |
| Average total loans | $89,774,800 | 3,581 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2366% | 2,387 |
| Cost of funding earning assets | 0.2820% | 4,279 |
| Net interest margin | 3.9546% | 1,796 |
| Noninterest income to average assets | 0.7219% | 2,071 |
| Noninterest expense to average assets | 3.7662% | 778 |
| Loan and lease loss provision to assets | 0.1645% | 1,389 |
| Net operating income to assets | 0.2406% | 5,402 |
| Return on assets (ROA) | 0.2491% | 5,462 |
| Pretax return on assets | 0.3628% | 5,363 |
| Return on Equity (ROE) | 2.0599% | 5,460 |
| Retained earnings to average equity (ytd only) | -0.4198% | 5,430 |
| Net charge-offs to loans | 0.3727% | 596 |
| Credit loss provision to net charge-offs | 70.5645% | 2,783 |
| Earnings coverage of net charge-offs (x) | 2.2097% | 3,606 |
| Efficiency ratio | 87.9693% | 677 |
| Assets per employee ($millions) | 2.5123% | 5,715 |
| Cash dividends to net income (ytd only)* | 120.3781% | 232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7674% | 1,074 |
| Loan loss allowance to noncurrent loans | 89.9782% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.6149% | 1,079 |
| Noncurrent loans to loans | 1.9642% | 1,010 |
| Net loans and leases to total assets | 65.2633% | 3,242 |
| Net loans and leases to deposits | 77.6745% | 3,222 |
| Net loans and leases to core deposits | 78.7281% | 3,584 |
| Total domestic deposits to total assets | 84.0216% | 3,206 |
| Equity capital to assets | 12.2596% | 1,931 |
| Core capital (leverage) ratio | 11.4963% | 2,033 |
| Tier 1 risk-based capital ratio | 18.6218% | 1,754 |
| Total risk-based capital ratio | 19.8892% | 1,718 |
| Memoranda: | ||
| Average total assets | $141,853,500 | 3,658 |
| Average earning assets | $127,678,000 | 3,707 |
| Average equity | $17,152,000 | 3,563 |
| Average total loans | $88,711,250 | 3,623 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2968% | 2,167 |
| Cost of funding earning assets | 0.2861% | 4,284 |
| Net interest margin | 4.0107% | 1,613 |
| Noninterest income to average assets | 0.6805% | 2,231 |
| Noninterest expense to average assets | 3.7457% | 824 |
| Loan and lease loss provision to assets | 0.2179% | 959 |
| Net operating income to assets | 0.2278% | 5,474 |
| Return on assets (ROA) | 0.2278% | 5,536 |
| Pretax return on assets | 0.3234% | 5,463 |
| Return on Equity (ROE) | 1.8925% | 5,528 |
| Retained earnings to average equity (ytd only) | -1.8341% | 5,517 |
| Net charge-offs to loans | 0.5946% | 353 |
| Credit loss provision to net charge-offs | 59.8456% | 2,580 |
| Earnings coverage of net charge-offs (x) | 1.4865% | 3,407 |
| Efficiency ratio | 87.3729% | 764 |
| Assets per employee ($millions) | 2.5499% | 5,763 |
| Cash dividends to net income (ytd only)* | 196.9136% | 114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8509% | 983 |
| Loan loss allowance to noncurrent loans | 116.2007% | 3,403 |
| Noncurrent assets plus other real estate owned to assets | 1.4011% | 1,408 |
| Noncurrent loans to loans | 1.5928% | 1,347 |
| Net loans and leases to total assets | 61.2933% | 3,710 |
| Net loans and leases to deposits | 71.7174% | 3,813 |
| Net loans and leases to core deposits | 72.8485% | 4,104 |
| Total domestic deposits to total assets | 85.4651% | 2,659 |
| Equity capital to assets | 12.1690% | 1,999 |
| Core capital (leverage) ratio | 11.1752% | 2,258 |
| Tier 1 risk-based capital ratio | 19.1266% | 1,661 |
| Total risk-based capital ratio | 20.3951% | 1,626 |
| Memoranda: | ||
| Average total assets | $142,241,330 | 3,673 |
| Average earning assets | $127,908,670 | 3,723 |
| Average equity | $17,120,000 | 3,573 |
| Average total loans | $87,124,670 | 3,664 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5501% | 1,377 |
| Cost of funding earning assets | 0.2894% | 4,283 |
| Net interest margin | 4.2606% | 979 |
| Noninterest income to average assets | 0.6674% | 2,179 |
| Noninterest expense to average assets | 3.6693% | 936 |
| Loan and lease loss provision to assets | 0.3491% | 429 |
| Net operating income to assets | 0.3323% | 5,204 |
| Return on assets (ROA) | 0.3323% | 5,288 |
| Pretax return on assets | 0.4719% | 5,159 |
| Return on Equity (ROE) | 2.7760% | 5,308 |
| Retained earnings to average equity (ytd only) | 2.7760% | 4,129 |
| Net charge-offs to loans | 0.6629% | 327 |
| Credit loss provision to net charge-offs | 86.8056% | 1,788 |
| Earnings coverage of net charge-offs (x) | 2.0417% | 2,739 |
| Efficiency ratio | 81.7164% | 1,396 |
| Assets per employee ($millions) | 2.5978% | 5,789 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9870% | 835 |
| Loan loss allowance to noncurrent loans | 102.6474% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.5489% | 1,300 |
| Noncurrent loans to loans | 1.9358% | 1,117 |
| Net loans and leases to total assets | 58.8956% | 3,937 |
| Net loans and leases to deposits | 68.8411% | 3,974 |
| Net loans and leases to core deposits | 69.7299% | 4,259 |
| Total domestic deposits to total assets | 85.5529% | 2,885 |
| Equity capital to assets | 12.1032% | 1,953 |
| Core capital (leverage) ratio | 11.2603% | 2,177 |
| Tier 1 risk-based capital ratio | 19.5800% | 1,595 |
| Total risk-based capital ratio | 20.8502% | 1,556 |
| Memoranda: | ||
| Average total assets | $143,241,000 | 3,682 |
| Average earning assets | $128,525,500 | 3,740 |
| Average equity | $17,147,000 | 3,561 |
| Average total loans | $86,897,000 | 3,684 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8554% | 3,860 |
| Cost of funding earning assets | 0.3089% | 4,156 |
| Net interest margin | 3.5465% | 3,345 |
| Noninterest income to average assets | 0.8369% | 1,649 |
| Noninterest expense to average assets | 3.6514% | 1,040 |
| Loan and lease loss provision to assets | 0.0850% | 2,595 |
| Net operating income to assets | 0.1972% | 5,580 |
| Return on assets (ROA) | 0.1972% | 5,641 |
| Pretax return on assets | 0.2774% | 5,567 |
| Return on Equity (ROE) | 1.7113% | 5,645 |
| Retained earnings to average equity (ytd only) | 1.7113% | 4,751 |
| Net charge-offs to loans | 1.0032% | 203 |
| Credit loss provision to net charge-offs | 14.5180% | 3,789 |
| Earnings coverage of net charge-offs (x) | 0.6190% | 4,202 |
| Efficiency ratio | 90.9722% | 637 |
| Assets per employee ($millions) | 2.6109% | 5,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9616% | 860 |
| Loan loss allowance to noncurrent loans | 105.1188% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.6824% | 1,160 |
| Noncurrent loans to loans | 1.8661% | 1,152 |
| Net loans and leases to total assets | 60.0361% | 3,834 |
| Net loans and leases to deposits | 69.9889% | 3,924 |
| Net loans and leases to core deposits | 70.8837% | 4,226 |
| Total domestic deposits to total assets | 85.7794% | 2,743 |
| Equity capital to assets | 11.8390% | 2,083 |
| Core capital (leverage) ratio | 11.0508% | 2,349 |
| Tier 1 risk-based capital ratio | 18.6565% | 1,786 |
| Total risk-based capital ratio | 19.9260% | 1,737 |
| Memoranda: | ||
| Average total assets | $147,093,000 | 3,613 |
| Average earning assets | $131,762,800 | 3,665 |
| Average equity | $16,946,600 | 3,536 |
| Average total loans | $85,828,000 | 3,676 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8079% | 4,064 |
| Cost of funding earning assets | 0.3133% | 4,185 |
| Net interest margin | 3.4945% | 3,558 |
| Noninterest income to average assets | 0.8587% | 1,590 |
| Noninterest expense to average assets | 3.5944% | 1,124 |
| Loan and lease loss provision to assets | 0.1126% | 2,004 |
| Net operating income to assets | 0.2073% | 5,664 |
| Return on assets (ROA) | 0.2073% | 5,726 |
| Pretax return on assets | 0.2874% | 5,661 |
| Return on Equity (ROE) | 1.8110% | 5,709 |
| Retained earnings to average equity (ytd only) | 1.8110% | 4,973 |
| Net charge-offs to loans | 0.8284% | 244 |
| Credit loss provision to net charge-offs | 23.5849% | 3,336 |
| Earnings coverage of net charge-offs (x) | 0.8377% | 3,908 |
| Efficiency ratio | 89.9842% | 702 |
| Assets per employee ($millions) | 2.7870% | 5,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3525% | 540 |
| Loan loss allowance to noncurrent loans | 122.8196% | 3,206 |
| Noncurrent assets plus other real estate owned to assets | 1.9106% | 1,093 |
| Noncurrent loans to loans | 1.9154% | 1,209 |
| Net loans and leases to total assets | 58.8863% | 4,028 |
| Net loans and leases to deposits | 68.6054% | 4,134 |
| Net loans and leases to core deposits | 69.4722% | 4,419 |
| Total domestic deposits to total assets | 85.8334% | 2,619 |
| Equity capital to assets | 11.7895% | 2,276 |
| Core capital (leverage) ratio | 10.8435% | 2,653 |
| Tier 1 risk-based capital ratio | 18.3856% | 1,927 |
| Total risk-based capital ratio | 19.6597% | 1,879 |
| Memoranda: | ||
| Average total assets | $147,965,750 | 3,632 |
| Average earning assets | $132,774,750 | 3,681 |
| Average equity | $16,933,000 | 3,567 |
| Average total loans | $85,300,500 | 3,723 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7518% | 4,229 |
| Cost of funding earning assets | 0.3158% | 4,208 |
| Net interest margin | 3.4361% | 3,768 |
| Noninterest income to average assets | 0.8941% | 1,464 |
| Noninterest expense to average assets | 3.5522% | 1,211 |
| Loan and lease loss provision to assets | 0.1544% | 1,379 |
| Net operating income to assets | 0.1960% | 5,700 |
| Return on assets (ROA) | 0.1960% | 5,767 |
| Pretax return on assets | 0.2698% | 5,709 |
| Return on Equity (ROE) | 1.7297% | 5,749 |
| Retained earnings to average equity (ytd only) | 1.7297% | 4,828 |
| Net charge-offs to loans | 0.8889% | 230 |
| Credit loss provision to net charge-offs | 30.5851% | 2,922 |
| Earnings coverage of net charge-offs (x) | 0.8404% | 3,611 |
| Efficiency ratio | 89.3315% | 803 |
| Assets per employee ($millions) | 2.7083% | 5,910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6048% | 428 |
| Loan loss allowance to noncurrent loans | 88.2825% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 2.2308% | 923 |
| Noncurrent loans to loans | 2.9505% | 679 |
| Net loans and leases to total assets | 55.2243% | 4,419 |
| Net loans and leases to deposits | 63.9586% | 4,543 |
| Net loans and leases to core deposits | 64.8997% | 4,741 |
| Total domestic deposits to total assets | 86.3438% | 2,509 |
| Equity capital to assets | 11.2669% | 2,602 |
| Core capital (leverage) ratio | 10.5125% | 2,938 |
| Tier 1 risk-based capital ratio | 18.6740% | 1,879 |
| Total risk-based capital ratio | 19.9508% | 1,837 |
| Memoranda: | ||
| Average total assets | $148,979,330 | 3,644 |
| Average earning assets | $133,641,670 | 3,701 |
| Average equity | $16,882,000 | 3,583 |
| Average total loans | $84,601,670 | 3,763 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7324% | 4,257 |
| Cost of funding earning assets | 0.3208% | 4,213 |
| Net interest margin | 3.4116% | 3,796 |
| Noninterest income to average assets | 0.5557% | 2,919 |
| Noninterest expense to average assets | 3.4177% | 1,457 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.1450% | 5,800 |
| Return on assets (ROA) | 0.1450% | 5,872 |
| Pretax return on assets | 0.1933% | 5,837 |
| Return on Equity (ROE) | 1.2757% | 5,856 |
| Retained earnings to average equity (ytd only) | 1.2757% | 4,971 |
| Net charge-offs to loans | 1.6912% | 105 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 0.2011% | 3,086 |
| Efficiency ratio | 94.6468% | 561 |
| Assets per employee ($millions) | 2.8264% | 5,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5225% | 515 |
| Loan loss allowance to noncurrent loans | 81.2911% | 4,145 |
| Noncurrent assets plus other real estate owned to assets | 2.7644% | 722 |
| Noncurrent loans to loans | 3.1031% | 673 |
| Net loans and leases to total assets | 54.2500% | 4,414 |
| Net loans and leases to deposits | 62.8940% | 4,491 |
| Net loans and leases to core deposits | 63.8297% | 4,710 |
| Total domestic deposits to total assets | 86.2563% | 2,790 |
| Equity capital to assets | 11.3652% | 2,585 |
| Core capital (leverage) ratio | 10.4567% | 3,025 |
| Tier 1 risk-based capital ratio | 18.0136% | 2,133 |
| Total risk-based capital ratio | 19.2784% | 2,081 |
| Memoranda: | ||
| Average total assets | $148,990,000 | 3,670 |
| Average earning assets | $133,428,000 | 3,729 |
| Average equity | $16,931,500 | 3,600 |
| Average total loans | $84,672,000 | 3,783 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9319% | 4,009 |
| Cost of funding earning assets | 0.3612% | 4,126 |
| Net interest margin | 3.5707% | 3,516 |
| Noninterest income to average assets | 0.8027% | 1,866 |
| Noninterest expense to average assets | 3.6963% | 1,162 |
| Loan and lease loss provision to assets | 0.0660% | 3,180 |
| Net operating income to assets | 0.1922% | 5,782 |
| Return on assets (ROA) | 0.1933% | 5,829 |
| Pretax return on assets | 0.2500% | 5,788 |
| Return on Equity (ROE) | 1.7755% | 5,824 |
| Retained earnings to average equity (ytd only) | 1.7755% | 4,922 |
| Net charge-offs to loans | 0.2968% | 1,484 |
| Credit loss provision to net charge-offs | 36.2319% | 3,748 |
| Earnings coverage of net charge-offs (x) | 1.7283% | 4,345 |
| Efficiency ratio | 92.1559% | 693 |
| Assets per employee ($millions) | 2.7441% | 5,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8625% | 346 |
| Loan loss allowance to noncurrent loans | 81.9241% | 4,186 |
| Noncurrent assets plus other real estate owned to assets | 3.0065% | 669 |
| Noncurrent loans to loans | 3.4940% | 584 |
| Net loans and leases to total assets | 56.3595% | 4,285 |
| Net loans and leases to deposits | 65.3914% | 4,386 |
| Net loans and leases to core deposits | 66.3742% | 4,644 |
| Total domestic deposits to total assets | 86.1878% | 2,729 |
| Equity capital to assets | 11.3631% | 2,546 |
| Core capital (leverage) ratio | 10.3956% | 3,068 |
| Tier 1 risk-based capital ratio | 18.3056% | 2,055 |
| Total risk-based capital ratio | 19.5768% | 2,007 |
| Memoranda: | ||
| Average total assets | $151,609,200 | 3,605 |
| Average earning assets | $136,218,400 | 3,656 |
| Average equity | $16,502,600 | 3,602 |
| Average total loans | $93,005,600 | 3,564 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9441% | 3,997 |
| Cost of funding earning assets | 0.3686% | 4,141 |
| Net interest margin | 3.5755% | 3,531 |
| Noninterest income to average assets | 0.7075% | 2,291 |
| Noninterest expense to average assets | 3.5740% | 1,340 |
| Loan and lease loss provision to assets | 0.0874% | 2,603 |
| Net operating income to assets | 0.1807% | 5,883 |
| Return on assets (ROA) | 0.1819% | 5,923 |
| Pretax return on assets | 0.2711% | 5,825 |
| Return on Equity (ROE) | 1.6891% | 5,904 |
| Retained earnings to average equity (ytd only) | 1.6891% | 5,203 |
| Net charge-offs to loans | 0.1998% | 1,864 |
| Credit loss provision to net charge-offs | 70.4225% | 2,763 |
| Earnings coverage of net charge-offs (x) | 2.8732% | 3,803 |
| Efficiency ratio | 90.9232% | 777 |
| Assets per employee ($millions) | 2.5854% | 6,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8904% | 399 |
| Loan loss allowance to noncurrent loans | 76.7297% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 3.0022% | 784 |
| Noncurrent loans to loans | 3.7670% | 599 |
| Net loans and leases to total assets | 58.1401% | 4,051 |
| Net loans and leases to deposits | 67.2436% | 4,214 |
| Net loans and leases to core deposits | 68.2372% | 4,487 |
| Total domestic deposits to total assets | 86.4619% | 2,607 |
| Equity capital to assets | 11.0340% | 2,922 |
| Core capital (leverage) ratio | 10.2534% | 3,333 |
| Tier 1 risk-based capital ratio | 17.7622% | 2,291 |
| Total risk-based capital ratio | 19.0341% | 2,248 |
| Memoranda: | ||
| Average total assets | $152,466,250 | 3,618 |
| Average earning assets | $137,451,250 | 3,666 |
| Average equity | $16,418,750 | 3,628 |
| Average total loans | $94,763,250 | 3,566 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9388% | 3,980 |
| Cost of funding earning assets | 0.3848% | 4,051 |
| Net interest margin | 3.5540% | 3,553 |
| Noninterest income to average assets | 0.7449% | 2,069 |
| Noninterest expense to average assets | 3.5537% | 1,381 |
| Loan and lease loss provision to assets | 0.1305% | 1,892 |
| Net operating income to assets | 0.1874% | 5,871 |
| Return on assets (ROA) | 0.1892% | 5,916 |
| Pretax return on assets | 0.2805% | 5,819 |
| Return on Equity (ROE) | 1.7708% | 5,895 |
| Retained earnings to average equity (ytd only) | 1.7708% | 5,011 |
| Net charge-offs to loans | 0.2199% | 1,717 |
| Credit loss provision to net charge-offs | 94.3396% | 2,106 |
| Earnings coverage of net charge-offs (x) | 2.9528% | 3,425 |
| Efficiency ratio | 89.6938% | 942 |
| Assets per employee ($millions) | 2.3964% | 6,360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8341% | 458 |
| Loan loss allowance to noncurrent loans | 87.3216% | 3,963 |
| Noncurrent assets plus other real estate owned to assets | 2.8429% | 913 |
| Noncurrent loans to loans | 3.2455% | 863 |
| Net loans and leases to total assets | 59.7480% | 3,766 |
| Net loans and leases to deposits | 69.0832% | 3,930 |
| Net loans and leases to core deposits | 70.2480% | 4,240 |
| Total domestic deposits to total assets | 86.4871% | 2,770 |
| Equity capital to assets | 10.9476% | 2,927 |
| Core capital (leverage) ratio | 10.2060% | 3,329 |
| Tier 1 risk-based capital ratio | 17.2477% | 2,518 |
| Total risk-based capital ratio | 18.5194% | 2,465 |
| Memoranda: | ||
| Average total assets | $153,303,330 | 3,631 |
| Average earning assets | $138,772,000 | 3,669 |
| Average equity | $16,376,330 | 3,639 |
| Average total loans | $96,424,670 | 3,533 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9133% | 4,026 |
| Cost of funding earning assets | 0.4310% | 3,638 |
| Net interest margin | 3.4823% | 3,774 |
| Noninterest income to average assets | 0.8416% | 1,597 |
| Noninterest expense to average assets | 3.3664% | 1,792 |
| Loan and lease loss provision to assets | 0.2590% | 816 |
| Net operating income to assets | 0.2486% | 5,669 |
| Return on assets (ROA) | 0.2486% | 5,711 |
| Pretax return on assets | 0.3755% | 5,525 |
| Return on Equity (ROE) | 2.3558% | 5,689 |
| Retained earnings to average equity (ytd only) | 2.3558% | 4,658 |
| Net charge-offs to loans | 0.0407% | 2,811 |
| Credit loss provision to net charge-offs | 1,000.0000% | 304 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,172 |
| Efficiency ratio | 84.1424% | 1,655 |
| Assets per employee ($millions) | 2.3492% | 6,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7636% | 570 |
| Loan loss allowance to noncurrent loans | 61.6132% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 3.1703% | 858 |
| Noncurrent loans to loans | 4.4854% | 537 |
| Net loans and leases to total assets | 62.8350% | 3,099 |
| Net loans and leases to deposits | 72.4526% | 3,277 |
| Net loans and leases to core deposits | 74.0530% | 3,640 |
| Total domestic deposits to total assets | 86.7256% | 2,978 |
| Equity capital to assets | 10.7328% | 3,001 |
| Core capital (leverage) ratio | 9.8984% | 3,715 |
| Tier 1 risk-based capital ratio | 16.3986% | 2,948 |
| Total risk-based capital ratio | 17.6695% | 2,909 |
| Memoranda: | ||
| Average total assets | $154,468,000 | 3,641 |
| Average earning assets | $140,139,000 | 3,663 |
| Average equity | $16,300,500 | 3,649 |
| Average total loans | $98,219,500 | 3,510 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7711% | 4,905 |
| Cost of funding earning assets | 0.6064% | 2,601 |
| Net interest margin | 3.1647% | 5,110 |
| Noninterest income to average assets | 0.6289% | 2,922 |
| Noninterest expense to average assets | 4.2207% | 686 |
| Loan and lease loss provision to assets | 1.7088% | 67 |
| Net operating income to assets | -1.4893% | 6,676 |
| Return on assets (ROA) | -1.4904% | 6,673 |
| Pretax return on assets | -2.4284% | 6,730 |
| Return on Equity (ROE) | -14.0249% | 6,628 |
| Retained earnings to average equity (ytd only) | -14.5863% | 6,613 |
| Net charge-offs to loans | 1.9421% | 200 |
| Credit loss provision to net charge-offs | 150.2623% | 1,542 |
| Earnings coverage of net charge-offs (x) | -0.6312% | 5,222 |
| Efficiency ratio | 119.8263% | 177 |
| Assets per employee ($millions) | 2.5199% | 6,390 |
| Cash dividends to net income (ytd only)* | -4.0032% | 6,754 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6973% | 666 |
| Loan loss allowance to noncurrent loans | 99.2846% | 3,633 |
| Noncurrent assets plus other real estate owned to assets | 2.0104% | 1,784 |
| Noncurrent loans to loans | 2.7168% | 1,337 |
| Net loans and leases to total assets | 60.8861% | 3,563 |
| Net loans and leases to deposits | 70.7246% | 3,691 |
| Net loans and leases to core deposits | 73.2804% | 3,920 |
| Total domestic deposits to total assets | 86.0890% | 3,210 |
| Equity capital to assets | 10.3766% | 3,318 |
| Core capital (leverage) ratio | 9.5017% | 4,264 |
| Tier 1 risk-based capital ratio | 16.1029% | 3,055 |
| Total risk-based capital ratio | 17.3722% | 2,999 |
| Memoranda: | ||
| Average total assets | $167,602,000 | 3,449 |
| Average earning assets | $152,211,600 | 3,465 |
| Average equity | $17,811,200 | 3,447 |
| Average total loans | $98,143,600 | 3,496 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6587% | 5,281 |
| Cost of funding earning assets | 0.6365% | 2,491 |
| Net interest margin | 3.0222% | 5,536 |
| Noninterest income to average assets | 0.5703% | 3,329 |
| Noninterest expense to average assets | 4.4158% | 567 |
| Loan and lease loss provision to assets | 2.2013% | 33 |
| Net operating income to assets | -2.0274% | 6,808 |
| Return on assets (ROA) | -2.0284% | 6,810 |
| Pretax return on assets | -3.3035% | 6,853 |
| Return on Equity (ROE) | -18.9844% | 6,766 |
| Retained earnings to average equity (ytd only) | -18.9844% | 6,749 |
| Net charge-offs to loans | 2.4090% | 135 |
| Credit loss provision to net charge-offs | 158.5352% | 1,488 |
| Earnings coverage of net charge-offs (x) | -0.7927% | 4,988 |
| Efficiency ratio | 132.2794% | 120 |
| Assets per employee ($millions) | 2.4900% | 6,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7464% | 708 |
| Loan loss allowance to noncurrent loans | 107.6436% | 3,293 |
| Noncurrent assets plus other real estate owned to assets | 1.9277% | 2,104 |
| Noncurrent loans to loans | 2.5514% | 1,685 |
| Net loans and leases to total assets | 59.4679% | 3,784 |
| Net loans and leases to deposits | 69.4237% | 3,866 |
| Net loans and leases to core deposits | 71.8508% | 4,115 |
| Total domestic deposits to total assets | 85.6593% | 3,421 |
| Equity capital to assets | 10.0107% | 3,885 |
| Core capital (leverage) ratio | 9.0550% | 5,041 |
| Tier 1 risk-based capital ratio | 14.9999% | 3,753 |
| Total risk-based capital ratio | 16.2680% | 3,692 |
| Memoranda: | ||
| Average total assets | $170,443,500 | 3,437 |
| Average earning assets | $154,803,750 | 3,458 |
| Average equity | $18,211,000 | 3,422 |
| Average total loans | $98,238,750 | 3,520 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5818% | 5,491 |
| Cost of funding earning assets | 0.6723% | 2,289 |
| Net interest margin | 2.9095% | 5,783 |
| Noninterest income to average assets | 0.5343% | 3,607 |
| Noninterest expense to average assets | 3.2601% | 2,188 |
| Loan and lease loss provision to assets | 0.1616% | 2,312 |
| Net operating income to assets | -0.2504% | 6,516 |
| Return on assets (ROA) | -0.2504% | 6,548 |
| Pretax return on assets | -0.2504% | 6,527 |
| Return on Equity (ROE) | -2.2986% | 6,540 |
| Retained earnings to average equity (ytd only) | -2.2986% | 6,226 |
| Net charge-offs to loans | 1.5674% | 325 |
| Credit loss provision to net charge-offs | 18.2292% | 3,758 |
| Earnings coverage of net charge-offs (x) | -0.1003% | 4,584 |
| Efficiency ratio | 101.7467% | 434 |
| Assets per employee ($millions) | 2.5370% | 6,464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0569% | 5,594 |
| Loan loss allowance to noncurrent loans | 29.0733% | 6,053 |
| Noncurrent assets plus other real estate owned to assets | 3.4404% | 1,127 |
| Noncurrent loans to loans | 3.6352% | 1,130 |
| Net loans and leases to total assets | 57.8845% | 4,007 |
| Net loans and leases to deposits | 69.2623% | 3,823 |
| Net loans and leases to core deposits | 71.7509% | 4,075 |
| Total domestic deposits to total assets | 83.5728% | 4,486 |
| Equity capital to assets | 11.0289% | 2,723 |
| Core capital (leverage) ratio | 10.9123% | 2,438 |
| Tier 1 risk-based capital ratio | 18.1261% | 2,279 |
| Total risk-based capital ratio | 19.1429% | 2,322 |
| Memoranda: | ||
| Average total assets | $173,309,000 | 3,405 |
| Average earning assets | $157,072,670 | 3,446 |
| Average equity | $18,880,670 | 3,345 |
| Average total loans | $97,996,670 | 3,543 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6136% | 5,417 |
| Cost of funding earning assets | 0.7152% | 2,091 |
| Net interest margin | 2.8984% | 5,821 |
| Noninterest income to average assets | 0.4435% | 4,150 |
| Noninterest expense to average assets | 3.0656% | 2,788 |
| Loan and lease loss provision to assets | 0.1143% | 2,806 |
| Net operating income to assets | -0.1052% | 6,445 |
| Return on assets (ROA) | -0.1052% | 6,495 |
| Pretax return on assets | -0.1052% | 6,486 |
| Return on Equity (ROE) | -0.9711% | 6,500 |
| Retained earnings to average equity (ytd only) | -0.9711% | 5,946 |
| Net charge-offs to loans | 0.6045% | 1,009 |
| Credit loss provision to net charge-offs | 34.0136% | 2,826 |
| Earnings coverage of net charge-offs (x) | 0.0272% | 3,821 |
| Efficiency ratio | 98.5874% | 609 |
| Assets per employee ($millions) | 2.5273% | 6,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6909% | 3,047 |
| Loan loss allowance to noncurrent loans | 31.2772% | 5,980 |
| Noncurrent assets plus other real estate owned to assets | 4.2361% | 902 |
| Noncurrent loans to loans | 5.4063% | 680 |
| Net loans and leases to total assets | 52.7443% | 4,589 |
| Net loans and leases to deposits | 63.0629% | 4,414 |
| Net loans and leases to core deposits | 65.4778% | 4,593 |
| Total domestic deposits to total assets | 83.6376% | 4,615 |
| Equity capital to assets | 10.8521% | 3,141 |
| Core capital (leverage) ratio | 10.8255% | 2,430 |
| Tier 1 risk-based capital ratio | 18.7405% | 2,112 |
| Total risk-based capital ratio | 19.9948% | 2,090 |
| Memoranda: | ||
| Average total assets | $174,973,500 | 3,408 |
| Average earning assets | $158,845,500 | 3,454 |
| Average equity | $18,947,500 | 3,384 |
| Average total loans | $97,273,500 | 3,585 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6179% | 2,926 |
| Cost of funding earning assets | 0.8541% | 2,262 |
| Net interest margin | 3.7638% | 3,377 |
| Noninterest income to average assets | 0.6048% | 3,254 |
| Noninterest expense to average assets | 3.5083% | 1,793 |
| Loan and lease loss provision to assets | 0.2996% | 2,280 |
| Net operating income to assets | 0.1387% | 5,916 |
| Return on assets (ROA) | 0.1387% | 6,071 |
| Pretax return on assets | 0.2209% | 5,960 |
| Return on Equity (ROE) | 1.2831% | 6,067 |
| Retained earnings to average equity (ytd only) | 0.2514% | 5,729 |
| Net charge-offs to loans | 1.1842% | 856 |
| Credit loss provision to net charge-offs | 39.9547% | 4,935 |
| Earnings coverage of net charge-offs (x) | 0.6941% | 5,138 |
| Efficiency ratio | 85.9151% | 1,439 |
| Assets per employee ($millions) | 2.5081% | 6,610 |
| Cash dividends to net income (ytd only)* | 80.4082% | 986 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6626% | 3,076 |
| Loan loss allowance to noncurrent loans | 32.7674% | 5,951 |
| Noncurrent assets plus other real estate owned to assets | 4.2776% | 982 |
| Noncurrent loans to loans | 5.0738% | 776 |
| Net loans and leases to total assets | 56.5656% | 4,189 |
| Net loans and leases to deposits | 67.6195% | 4,040 |
| Net loans and leases to core deposits | 70.0738% | 4,296 |
| Total domestic deposits to total assets | 83.6529% | 4,473 |
| Equity capital to assets | 10.8056% | 3,169 |
| Core capital (leverage) ratio | 10.8116% | 2,433 |
| Tier 1 risk-based capital ratio | 17.8085% | 2,329 |
| Total risk-based capital ratio | 19.0624% | 2,302 |
| Memoranda: | ||
| Average total assets | $176,580,000 | 3,353 |
| Average earning assets | $160,635,000 | 3,368 |
| Average equity | $19,094,200 | 3,321 |
| Average total loans | $111,805,600 | 3,255 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8074% | 2,368 |
| Cost of funding earning assets | 0.8809% | 2,306 |
| Net interest margin | 3.9265% | 2,816 |
| Noninterest income to average assets | 0.5874% | 3,366 |
| Noninterest expense to average assets | 3.4344% | 1,915 |
| Loan and lease loss provision to assets | 0.3385% | 1,935 |
| Net operating income to assets | 0.2443% | 5,796 |
| Return on assets (ROA) | 0.2443% | 5,988 |
| Pretax return on assets | 0.3868% | 5,748 |
| Return on Equity (ROE) | 2.2588% | 5,958 |
| Retained earnings to average equity (ytd only) | 1.7220% | 5,473 |
| Net charge-offs to loans | 1.4601% | 606 |
| Credit loss provision to net charge-offs | 35.8054% | 4,705 |
| Earnings coverage of net charge-offs (x) | 0.7671% | 4,941 |
| Efficiency ratio | 81.4392% | 1,875 |
| Assets per employee ($millions) | 2.4932% | 6,699 |
| Cash dividends to net income (ytd only)* | 23.7644% | 2,914 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6458% | 3,348 |
| Loan loss allowance to noncurrent loans | 31.7784% | 6,049 |
| Noncurrent assets plus other real estate owned to assets | 4.1515% | 1,154 |
| Noncurrent loans to loans | 5.1789% | 856 |
| Net loans and leases to total assets | 56.3459% | 4,393 |
| Net loans and leases to deposits | 67.4080% | 4,271 |
| Net loans and leases to core deposits | 70.2089% | 4,480 |
| Total domestic deposits to total assets | 83.5893% | 4,393 |
| Equity capital to assets | 10.8299% | 3,468 |
| Core capital (leverage) ratio | 10.8082% | 2,586 |
| Tier 1 risk-based capital ratio | 17.8009% | 2,424 |
| Total risk-based capital ratio | 19.0547% | 2,392 |
| Memoranda: | ||
| Average total assets | $176,833,500 | 3,397 |
| Average earning assets | $160,885,500 | 3,405 |
| Average equity | $19,125,000 | 3,335 |
| Average total loans | $114,509,750 | 3,224 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2055% | 1,236 |
| Cost of funding earning assets | 0.9042% | 2,363 |
| Net interest margin | 4.3013% | 1,477 |
| Noninterest income to average assets | 0.5929% | 3,295 |
| Noninterest expense to average assets | 3.5266% | 1,729 |
| Loan and lease loss provision to assets | 0.5080% | 1,235 |
| Net operating income to assets | 0.2919% | 5,647 |
| Return on assets (ROA) | 0.2919% | 5,850 |
| Pretax return on assets | 0.4763% | 5,502 |
| Return on Equity (ROE) | 2.7002% | 5,809 |
| Retained earnings to average equity (ytd only) | 2.7002% | 4,826 |
| Net charge-offs to loans | 1.3443% | 778 |
| Credit loss provision to net charge-offs | 56.1952% | 3,899 |
| Earnings coverage of net charge-offs (x) | 1.0889% | 4,473 |
| Efficiency ratio | 77.1507% | 2,571 |
| Assets per employee ($millions) | 2.5883% | 6,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9472% | 2,383 |
| Loan loss allowance to noncurrent loans | 49.4529% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 3.1871% | 1,709 |
| Noncurrent loans to loans | 3.9375% | 1,411 |
| Net loans and leases to total assets | 59.8878% | 3,842 |
| Net loans and leases to deposits | 71.5683% | 3,678 |
| Net loans and leases to core deposits | 74.8981% | 3,901 |
| Total domestic deposits to total assets | 83.6792% | 4,453 |
| Equity capital to assets | 10.7400% | 3,408 |
| Core capital (leverage) ratio | 10.6734% | 2,637 |
| Tier 1 risk-based capital ratio | 17.1801% | 2,595 |
| Total risk-based capital ratio | 18.4385% | 2,552 |
| Memoranda: | ||
| Average total assets | $176,771,670 | 3,412 |
| Average earning assets | $161,021,670 | 3,405 |
| Average equity | $19,109,670 | 3,341 |
| Average total loans | $118,875,670 | 3,158 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0224% | 1,811 |
| Cost of funding earning assets | 0.9220% | 2,500 |
| Net interest margin | 4.1004% | 2,086 |
| Noninterest income to average assets | 0.6096% | 3,165 |
| Noninterest expense to average assets | 3.1184% | 2,855 |
| Loan and lease loss provision to assets | 0.0910% | 4,216 |
| Net operating income to assets | 0.6801% | 3,977 |
| Return on assets (ROA) | 0.6801% | 4,195 |
| Pretax return on assets | 1.1327% | 3,188 |
| Return on Equity (ROE) | 6.2703% | 4,156 |
| Retained earnings to average equity (ytd only) | 6.2703% | 2,810 |
| Net charge-offs to loans | 1.6320% | 598 |
| Credit loss provision to net charge-offs | 7.9208% | 3,931 |
| Earnings coverage of net charge-offs (x) | 1.0653% | 3,796 |
| Efficiency ratio | 70.7177% | 3,672 |
| Assets per employee ($millions) | 2.6139% | 6,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6662% | 3,480 |
| Loan loss allowance to noncurrent loans | 32.2007% | 6,054 |
| Noncurrent assets plus other real estate owned to assets | 4.5780% | 1,161 |
| Noncurrent loans to loans | 5.1745% | 1,063 |
| Net loans and leases to total assets | 65.7361% | 2,511 |
| Net loans and leases to deposits | 78.6321% | 2,394 |
| Net loans and leases to core deposits | 82.1364% | 2,815 |
| Total domestic deposits to total assets | 83.5996% | 4,676 |
| Equity capital to assets | 10.6580% | 3,312 |
| Core capital (leverage) ratio | 10.8750% | 2,359 |
| Tier 1 risk-based capital ratio | 16.3765% | 2,973 |
| Total risk-based capital ratio | 17.6320% | 2,927 |
| Memoranda: | ||
| Average total assets | $175,860,500 | 3,440 |
| Average earning assets | $160,082,500 | 3,434 |
| Average equity | $19,074,000 | 3,339 |
| Average total loans | $123,773,500 | 3,068 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8693% | 558 |
| Cost of funding earning assets | 1.0837% | 2,780 |
| Net interest margin | 4.7856% | 648 |
| Noninterest income to average assets | 0.5113% | 3,772 |
| Noninterest expense to average assets | 3.3222% | 2,448 |
| Loan and lease loss provision to assets | 0.5354% | 1,959 |
| Net operating income to assets | 0.6299% | 3,830 |
| Return on assets (ROA) | 0.6299% | 4,036 |
| Pretax return on assets | 0.9952% | 3,260 |
| Return on Equity (ROE) | 5.9133% | 3,912 |
| Retained earnings to average equity (ytd only) | 4.8382% | 2,759 |
| Net charge-offs to loans | 0.1596% | 4,868 |
| Credit loss provision to net charge-offs | 441.0377% | 516 |
| Earnings coverage of net charge-offs (x) | 12.6085% | 1,608 |
| Efficiency ratio | 67.4572% | 4,477 |
| Assets per employee ($millions) | 2.6363% | 6,676 |
| Cash dividends to net income (ytd only)* | 18.1818% | 3,608 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9484% | 2,422 |
| Loan loss allowance to noncurrent loans | 53.5035% | 4,844 |
| Noncurrent assets plus other real estate owned to assets | 3.4512% | 1,719 |
| Noncurrent loans to loans | 3.6417% | 1,742 |
| Net loans and leases to total assets | 72.6551% | 1,523 |
| Net loans and leases to deposits | 87.4065% | 1,463 |
| Net loans and leases to core deposits | 89.8833% | 2,144 |
| Total domestic deposits to total assets | 83.1232% | 4,698 |
| Equity capital to assets | 11.0441% | 2,939 |
| Core capital (leverage) ratio | 10.8832% | 2,364 |
| Tier 1 risk-based capital ratio | 15.5516% | 3,293 |
| Total risk-based capital ratio | 16.8121% | 3,244 |
| Memoranda: | ||
| Average total assets | $174,640,800 | 3,417 |
| Average earning assets | $158,434,800 | 3,436 |
| Average equity | $18,602,000 | 3,342 |
| Average total loans | $132,848,000 | 2,940 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8926% | 571 |
| Cost of funding earning assets | 1.1156% | 2,875 |
| Net interest margin | 4.7769% | 654 |
| Noninterest income to average assets | 0.5578% | 3,461 |
| Noninterest expense to average assets | 2.9590% | 3,709 |
| Loan and lease loss provision to assets | 0.7105% | 1,351 |
| Net operating income to assets | 0.7462% | 3,399 |
| Return on assets (ROA) | 0.7462% | 3,565 |
| Pretax return on assets | 1.2189% | 2,568 |
| Return on Equity (ROE) | 7.0692% | 3,493 |
| Retained earnings to average equity (ytd only) | 7.0692% | 1,933 |
| Net charge-offs to loans | 0.1866% | 4,306 |
| Credit loss provision to net charge-offs | 497.3404% | 562 |
| Earnings coverage of net charge-offs (x) | 13.5053% | 1,610 |
| Efficiency ratio | 59.5523% | 5,787 |
| Assets per employee ($millions) | 2.6127% | 6,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8817% | 2,669 |
| Loan loss allowance to noncurrent loans | 56.0592% | 4,648 |
| Noncurrent assets plus other real estate owned to assets | 3.5778% | 1,752 |
| Noncurrent loans to loans | 3.3566% | 2,057 |
| Net loans and leases to total assets | 74.4103% | 1,253 |
| Net loans and leases to deposits | 89.2274% | 1,296 |
| Net loans and leases to core deposits | 92.3225% | 1,965 |
| Total domestic deposits to total assets | 83.3940% | 4,525 |
| Equity capital to assets | 10.8574% | 3,280 |
| Core capital (leverage) ratio | 10.8457% | 2,522 |
| Tier 1 risk-based capital ratio | 14.9195% | 3,709 |
| Total risk-based capital ratio | 16.1788% | 3,677 |
| Memoranda: | ||
| Average total assets | $175,461,250 | 3,424 |
| Average earning assets | $159,066,250 | 3,444 |
| Average equity | $18,521,250 | 3,349 |
| Average total loans | $134,316,250 | 2,935 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9089% | 570 |
| Cost of funding earning assets | 1.1534% | 2,878 |
| Net interest margin | 4.7555% | 650 |
| Noninterest income to average assets | 0.5410% | 3,547 |
| Noninterest expense to average assets | 2.9169% | 3,957 |
| Loan and lease loss provision to assets | 1.0194% | 846 |
| Net operating income to assets | 0.5718% | 4,205 |
| Return on assets (ROA) | 0.5718% | 4,334 |
| Pretax return on assets | 0.9157% | 3,565 |
| Return on Equity (ROE) | 5.4685% | 4,229 |
| Retained earnings to average equity (ytd only) | 5.4685% | 2,704 |
| Net charge-offs to loans | 0.0875% | 4,777 |
| Credit loss provision to net charge-offs | 1,516.9492% | 224 |
| Earnings coverage of net charge-offs (x) | 28.7966% | 955 |
| Efficiency ratio | 59.1315% | 6,007 |
| Assets per employee ($millions) | 2.7627% | 6,534 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9115% | 2,634 |
| Loan loss allowance to noncurrent loans | 75.6212% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 2.9118% | 2,305 |
| Noncurrent loans to loans | 2.5277% | 2,858 |
| Net loans and leases to total assets | 76.2728% | 1,044 |
| Net loans and leases to deposits | 91.3811% | 1,121 |
| Net loans and leases to core deposits | 93.8926% | 1,905 |
| Total domestic deposits to total assets | 83.4667% | 4,558 |
| Equity capital to assets | 10.6441% | 3,339 |
| Core capital (leverage) ratio | 10.3059% | 2,930 |
| Tier 1 risk-based capital ratio | 14.4187% | 3,851 |
| Total risk-based capital ratio | 15.6783% | 3,815 |
| Memoranda: | ||
| Average total assets | $175,598,000 | 3,440 |
| Average earning assets | $159,184,330 | 3,460 |
| Average equity | $18,359,670 | 3,360 |
| Average total loans | $134,837,000 | 2,946 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9558% | 523 |
| Cost of funding earning assets | 1.1827% | 2,924 |
| Net interest margin | 4.7732% | 603 |
| Noninterest income to average assets | 0.5806% | 3,308 |
| Noninterest expense to average assets | 2.8054% | 4,414 |
| Loan and lease loss provision to assets | 0.1928% | 3,701 |
| Net operating income to assets | 1.1498% | 1,668 |
| Return on assets (ROA) | 1.1498% | 1,715 |
| Pretax return on assets | 1.9119% | 663 |
| Return on Equity (ROE) | 11.0962% | 1,707 |
| Retained earnings to average equity (ytd only) | 11.0962% | 882 |
| Net charge-offs to loans | 0.0357% | 4,600 |
| Credit loss provision to net charge-offs | 708.3333% | 537 |
| Earnings coverage of net charge-offs (x) | 77.3333% | 405 |
| Efficiency ratio | 56.1663% | 6,486 |
| Assets per employee ($millions) | 2.7609% | 6,602 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3566% | 4,874 |
| Loan loss allowance to noncurrent loans | 83.9006% | 3,382 |
| Noncurrent assets plus other real estate owned to assets | 2.3005% | 2,948 |
| Noncurrent loans to loans | 1.6169% | 4,052 |
| Net loans and leases to total assets | 75.0603% | 1,168 |
| Net loans and leases to deposits | 89.7550% | 1,264 |
| Net loans and leases to core deposits | 93.4962% | 1,955 |
| Total domestic deposits to total assets | 83.6280% | 4,657 |
| Equity capital to assets | 10.4868% | 3,188 |
| Core capital (leverage) ratio | 10.3726% | 2,735 |
| Tier 1 risk-based capital ratio | 14.3029% | 3,869 |
| Total risk-based capital ratio | 15.5551% | 3,827 |
| Memoranda: | ||
| Average total assets | $176,372,500 | 3,442 |
| Average earning assets | $159,978,000 | 3,466 |
| Average equity | $18,276,500 | 3,361 |
| Average total loans | $134,586,000 | 2,989 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2032% | 556 |
| Cost of funding earning assets | 1.4838% | 2,740 |
| Net interest margin | 4.7194% | 782 |
| Noninterest income to average assets | 0.6790% | 2,967 |
| Noninterest expense to average assets | 3.1556% | 3,253 |
| Loan and lease loss provision to assets | 0.2788% | 4,578 |
| Net operating income to assets | 0.9438% | 2,224 |
| Return on assets (ROA) | 0.9438% | 2,351 |
| Pretax return on assets | 1.5212% | 1,323 |
| Return on Equity (ROE) | 9.2439% | 2,200 |
| Retained earnings to average equity (ytd only) | 5.3984% | 2,176 |
| Net charge-offs to loans | 0.2906% | 4,564 |
| Credit loss provision to net charge-offs | 125.6545% | 3,243 |
| Earnings coverage of net charge-offs (x) | 8.1126% | 2,013 |
| Efficiency ratio | 62.6817% | 5,588 |
| Assets per employee ($millions) | 2.7507% | 6,605 |
| Cash dividends to net income (ytd only)* | 41.6000% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 5,004 |
| Loan loss allowance to noncurrent loans | 87.1144% | 3,281 |
| Noncurrent assets plus other real estate owned to assets | 2.2733% | 3,000 |
| Noncurrent loans to loans | 1.4920% | 4,242 |
| Net loans and leases to total assets | 75.5293% | 1,369 |
| Net loans and leases to deposits | 90.1221% | 1,507 |
| Net loans and leases to core deposits | 93.8410% | 2,278 |
| Total domestic deposits to total assets | 83.8077% | 4,449 |
| Equity capital to assets | 10.2376% | 3,455 |
| Core capital (leverage) ratio | 10.0520% | 3,028 |
| Tier 1 risk-based capital ratio | 13.7114% | 4,054 |
| Total risk-based capital ratio | 14.9628% | 4,028 |
| Memoranda: | ||
| Average total assets | $172,172,000 | 3,495 |
| Average earning assets | $156,016,800 | 3,523 |
| Average equity | $17,579,200 | 3,492 |
| Average total loans | $131,460,600 | 3,097 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1794% | 640 |
| Cost of funding earning assets | 1.5216% | 2,830 |
| Net interest margin | 4.6578% | 929 |
| Noninterest income to average assets | 0.6511% | 3,116 |
| Noninterest expense to average assets | 3.1323% | 3,182 |
| Loan and lease loss provision to assets | 0.2687% | 4,433 |
| Net operating income to assets | 0.8979% | 2,616 |
| Return on assets (ROA) | 0.8979% | 2,767 |
| Pretax return on assets | 1.4696% | 1,692 |
| Return on Equity (ROE) | 8.8005% | 2,564 |
| Retained earnings to average equity (ytd only) | 5.1292% | 2,894 |
| Net charge-offs to loans | 0.2378% | 4,518 |
| Credit loss provision to net charge-offs | 148.0687% | 2,647 |
| Earnings coverage of net charge-offs (x) | 9.5794% | 2,005 |
| Efficiency ratio | 63.3035% | 5,381 |
| Assets per employee ($millions) | 2.7362% | 6,713 |
| Cash dividends to net income (ytd only)* | 41.7176% | 2,014 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 4,961 |
| Loan loss allowance to noncurrent loans | 87.7237% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 2.1957% | 3,212 |
| Noncurrent loans to loans | 1.4817% | 4,412 |
| Net loans and leases to total assets | 76.5351% | 1,305 |
| Net loans and leases to deposits | 89.8749% | 1,743 |
| Net loans and leases to core deposits | 96.4341% | 2,205 |
| Total domestic deposits to total assets | 85.1574% | 3,539 |
| Equity capital to assets | 10.1344% | 3,967 |
| Core capital (leverage) ratio | 10.2174% | 3,025 |
| Tier 1 risk-based capital ratio | 13.5176% | 4,194 |
| Total risk-based capital ratio | 14.7692% | 4,142 |
| Memoranda: | ||
| Average total assets | $171,203,250 | 3,550 |
| Average earning assets | $155,092,000 | 3,592 |
| Average equity | $17,468,250 | 3,561 |
| Average total loans | $130,646,250 | 3,159 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1553% | 680 |
| Cost of funding earning assets | 1.5846% | 2,748 |
| Net interest margin | 4.5707% | 1,060 |
| Noninterest income to average assets | 0.6286% | 3,141 |
| Noninterest expense to average assets | 3.1395% | 3,146 |
| Loan and lease loss provision to assets | 0.1413% | 5,480 |
| Net operating income to assets | 0.9147% | 2,498 |
| Return on assets (ROA) | 0.9147% | 2,601 |
| Pretax return on assets | 1.4903% | 1,581 |
| Return on Equity (ROE) | 8.9437% | 2,491 |
| Retained earnings to average equity (ytd only) | 7.3322% | 1,704 |
| Net charge-offs to loans | 0.0636% | 5,504 |
| Credit loss provision to net charge-offs | 292.6829% | 1,270 |
| Earnings coverage of net charge-offs (x) | 33.8049% | 835 |
| Efficiency ratio | 64.7668% | 5,192 |
| Assets per employee ($millions) | 2.5363% | 7,050 |
| Cash dividends to net income (ytd only)* | 18.0180% | 2,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3155% | 4,825 |
| Loan loss allowance to noncurrent loans | 77.2525% | 3,516 |
| Noncurrent assets plus other real estate owned to assets | 2.0196% | 3,477 |
| Noncurrent loans to loans | 1.7028% | 4,130 |
| Net loans and leases to total assets | 76.4592% | 1,404 |
| Net loans and leases to deposits | 90.3648% | 1,798 |
| Net loans and leases to core deposits | 100.4088% | 1,970 |
| Total domestic deposits to total assets | 84.6118% | 3,815 |
| Equity capital to assets | 10.4234% | 3,504 |
| Core capital (leverage) ratio | 10.4051% | 2,707 |
| Tier 1 risk-based capital ratio | 13.9194% | 3,786 |
| Total risk-based capital ratio | 15.1708% | 3,748 |
| Memoranda: | ||
| Average total assets | $169,898,670 | 3,600 |
| Average earning assets | $153,980,330 | 3,636 |
| Average equity | $17,375,330 | 3,574 |
| Average total loans | $128,931,330 | 3,215 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2180% | 619 |
| Cost of funding earning assets | 1.7005% | 2,386 |
| Net interest margin | 4.5175% | 1,102 |
| Noninterest income to average assets | 0.6122% | 3,193 |
| Noninterest expense to average assets | 3.0798% | 3,349 |
| Loan and lease loss provision to assets | 0.0824% | 5,814 |
| Net operating income to assets | 0.9560% | 2,340 |
| Return on assets (ROA) | 0.9560% | 2,408 |
| Pretax return on assets | 1.5470% | 1,405 |
| Return on Equity (ROE) | 9.4383% | 2,326 |
| Retained earnings to average equity (ytd only) | 6.1837% | 2,531 |
| Net charge-offs to loans | 0.0627% | 4,789 |
| Credit loss provision to net charge-offs | 175.0000% | 2,080 |
| Earnings coverage of net charge-offs (x) | 34.6000% | 786 |
| Efficiency ratio | 64.3500% | 5,425 |
| Assets per employee ($millions) | 2.4956% | 7,201 |
| Cash dividends to net income (ytd only)* | 34.4828% | 1,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2998% | 4,942 |
| Loan loss allowance to noncurrent loans | 86.1125% | 3,187 |
| Noncurrent assets plus other real estate owned to assets | 1.7129% | 3,906 |
| Noncurrent loans to loans | 1.5095% | 4,486 |
| Net loans and leases to total assets | 75.7489% | 1,595 |
| Net loans and leases to deposits | 89.9616% | 1,908 |
| Net loans and leases to core deposits | 99.9945% | 2,129 |
| Total domestic deposits to total assets | 84.2014% | 4,048 |
| Equity capital to assets | 10.3705% | 3,381 |
| Core capital (leverage) ratio | 10.0478% | 3,105 |
| Tier 1 risk-based capital ratio | 13.9793% | 3,663 |
| Total risk-based capital ratio | 15.2307% | 3,627 |
| Memoranda: | ||
| Average total assets | $169,880,500 | 3,662 |
| Average earning assets | $154,068,000 | 3,690 |
| Average equity | $17,206,500 | 3,621 |
| Average total loans | $127,565,500 | 3,319 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3116% | 1,006 |
| Cost of funding earning assets | 2.0082% | 2,924 |
| Net interest margin | 4.3034% | 1,708 |
| Noninterest income to average assets | 0.6314% | 3,414 |
| Noninterest expense to average assets | 3.3176% | 2,957 |
| Loan and lease loss provision to assets | 0.4711% | 3,995 |
| Net operating income to assets | 0.4755% | 3,836 |
| Return on assets (ROA) | 0.4755% | 3,939 |
| Pretax return on assets | 0.7444% | 3,428 |
| Return on Equity (ROE) | 4.4697% | 3,899 |
| Retained earnings to average equity (ytd only) | 2.1234% | 3,617 |
| Net charge-offs to loans | 0.0831% | 6,279 |
| Credit loss provision to net charge-offs | 778.3505% | 376 |
| Earnings coverage of net charge-offs (x) | 20.0825% | 1,058 |
| Efficiency ratio | 72.0303% | 4,257 |
| Assets per employee ($millions) | 2.5755% | 7,079 |
| Cash dividends to net income (ytd only)* | 52.4934% | 2,351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3036% | 4,736 |
| Loan loss allowance to noncurrent loans | 72.3414% | 3,792 |
| Noncurrent assets plus other real estate owned to assets | 1.8800% | 3,555 |
| Noncurrent loans to loans | 1.8020% | 3,926 |
| Net loans and leases to total assets | 72.5295% | 2,628 |
| Net loans and leases to deposits | 85.2426% | 3,041 |
| Net loans and leases to core deposits | 115.9069% | 2,329 |
| Total domestic deposits to total assets | 85.0860% | 3,514 |
| Equity capital to assets | 9.8942% | 3,900 |
| Core capital (leverage) ratio | 9.9109% | 3,180 |
| Tier 1 risk-based capital ratio | 13.5988% | 3,760 |
| Total risk-based capital ratio | 14.8491% | 3,699 |
| Memoranda: | ||
| Average total assets | $160,268,800 | 3,772 |
| Average earning assets | $145,303,600 | 3,790 |
| Average equity | $17,048,200 | 3,663 |
| Average total loans | $116,788,800 | 3,552 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3277% | 1,076 |
| Cost of funding earning assets | 2.0552% | 3,093 |
| Net interest margin | 4.2725% | 1,800 |
| Noninterest income to average assets | 0.6633% | 3,270 |
| Noninterest expense to average assets | 3.3588% | 2,694 |
| Loan and lease loss provision to assets | 0.2587% | 4,886 |
| Net operating income to assets | 0.5810% | 3,672 |
| Return on assets (ROA) | 0.5810% | 3,742 |
| Pretax return on assets | 0.9160% | 3,176 |
| Return on Equity (ROE) | 5.3592% | 3,809 |
| Retained earnings to average equity (ytd only) | 5.3592% | 2,279 |
| Net charge-offs to loans | 0.0828% | 5,853 |
| Credit loss provision to net charge-offs | 429.5775% | 921 |
| Earnings coverage of net charge-offs (x) | 19.5079% | 1,289 |
| Efficiency ratio | 72.9093% | 4,070 |
| Assets per employee ($millions) | 2.4741% | 7,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0056% | 6,254 |
| Loan loss allowance to noncurrent loans | 73.1548% | 3,680 |
| Noncurrent assets plus other real estate owned to assets | 1.5799% | 3,985 |
| Noncurrent loans to loans | 1.3746% | 4,618 |
| Net loans and leases to total assets | 72.9874% | 2,797 |
| Net loans and leases to deposits | 85.7069% | 3,378 |
| Net loans and leases to core deposits | 119.6951% | 2,272 |
| Total domestic deposits to total assets | 85.1593% | 3,146 |
| Equity capital to assets | 10.4955% | 3,522 |
| Core capital (leverage) ratio | 10.3537% | 2,919 |
| Tier 1 risk-based capital ratio | 14.4559% | 3,304 |
| Total risk-based capital ratio | 15.4958% | 3,357 |
| Memoranda: | ||
| Average total assets | $157,197,000 | 3,852 |
| Average earning assets | $142,396,250 | 3,881 |
| Average equity | $17,042,000 | 3,695 |
| Average total loans | $114,284,250 | 3,630 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2893% | 1,233 |
| Cost of funding earning assets | 2.0874% | 3,330 |
| Net interest margin | 4.2020% | 1,991 |
| Noninterest income to average assets | 0.7101% | 2,929 |
| Noninterest expense to average assets | 3.3549% | 2,771 |
| Loan and lease loss provision to assets | 0.3175% | 4,042 |
| Net operating income to assets | 0.5339% | 3,966 |
| Return on assets (ROA) | 0.5339% | 4,070 |
| Pretax return on assets | 0.8384% | 3,543 |
| Return on Equity (ROE) | 4.8690% | 4,134 |
| Retained earnings to average equity (ytd only) | 4.8690% | 2,577 |
| Net charge-offs to loans | 0.1057% | 5,106 |
| Credit loss provision to net charge-offs | 415.2542% | 1,119 |
| Earnings coverage of net charge-offs (x) | 15.1186% | 1,612 |
| Efficiency ratio | 73.1686% | 4,162 |
| Assets per employee ($millions) | 2.3147% | 7,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0095% | 6,163 |
| Loan loss allowance to noncurrent loans | 66.2738% | 4,107 |
| Noncurrent assets plus other real estate owned to assets | 1.5710% | 3,871 |
| Noncurrent loans to loans | 1.5232% | 4,210 |
| Net loans and leases to total assets | 72.5110% | 3,083 |
| Net loans and leases to deposits | 85.4672% | 3,652 |
| Net loans and leases to core deposits | 117.4107% | 2,597 |
| Total domestic deposits to total assets | 84.8407% | 3,338 |
| Equity capital to assets | 10.7212% | 3,183 |
| Core capital (leverage) ratio | 10.5626% | 2,758 |
| Tier 1 risk-based capital ratio | 14.7688% | 3,116 |
| Total risk-based capital ratio | 15.8077% | 3,154 |
| Memoranda: | ||
| Average total assets | $154,340,330 | 3,933 |
| Average earning assets | $139,601,670 | 3,955 |
| Average equity | $16,923,330 | 3,726 |
| Average total loans | $111,639,670 | 3,727 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3320% | 1,213 |
| Cost of funding earning assets | 2.0814% | 3,733 |
| Net interest margin | 4.2506% | 1,746 |
| Noninterest income to average assets | 0.6752% | 3,032 |
| Noninterest expense to average assets | 3.1809% | 3,070 |
| Loan and lease loss provision to assets | 0.3824% | 3,028 |
| Net operating income to assets | 0.5987% | 4,015 |
| Return on assets (ROA) | 0.5987% | 4,211 |
| Pretax return on assets | 0.9469% | 3,544 |
| Return on Equity (ROE) | 5.3972% | 4,285 |
| Retained earnings to average equity (ytd only) | 5.3972% | 2,907 |
| Net charge-offs to loans | 0.0697% | 4,503 |
| Credit loss provision to net charge-offs | 763.1579% | 781 |
| Earnings coverage of net charge-offs (x) | 26.5263% | 1,177 |
| Efficiency ratio | 69.2982% | 4,718 |
| Assets per employee ($millions) | 2.3978% | 7,466 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0054% | 6,136 |
| Loan loss allowance to noncurrent loans | 66.6865% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 1.6278% | 3,473 |
| Noncurrent loans to loans | 1.5076% | 4,025 |
| Net loans and leases to total assets | 69.7503% | 3,737 |
| Net loans and leases to deposits | 82.3101% | 4,233 |
| Net loans and leases to core deposits | 111.7940% | 3,241 |
| Total domestic deposits to total assets | 84.7409% | 3,335 |
| Equity capital to assets | 10.7031% | 3,285 |
| Core capital (leverage) ratio | 10.9084% | 2,574 |
| Tier 1 risk-based capital ratio | 15.3086% | 2,938 |
| Total risk-based capital ratio | 16.3434% | 2,962 |
| Memoranda: | ||
| Average total assets | $151,655,000 | 3,980 |
| Average earning assets | $136,829,000 | 4,019 |
| Average equity | $16,823,500 | 3,759 |
| Average total loans | $108,965,000 | 3,814 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9610% | 1,229 |
| Cost of funding earning assets | 2.4462% | 4,497 |
| Net interest margin | 4.5149% | 1,386 |
| Noninterest income to average assets | 0.8234% | 2,390 |
| Noninterest expense to average assets | 3.6483% | 2,044 |
| Loan and lease loss provision to assets | 0.0639% | 6,602 |
| Net operating income to assets | 0.7513% | 3,660 |
| Return on assets (ROA) | 0.7901% | 3,319 |
| Pretax return on assets | 1.2242% | 2,569 |
| Return on Equity (ROE) | 6.7263% | 3,662 |
| Retained earnings to average equity (ytd only) | 3.7019% | 2,838 |
| Net charge-offs to loans | 0.0895% | 5,465 |
| Credit loss provision to net charge-offs | 101.1236% | 5,251 |
| Earnings coverage of net charge-offs (x) | 19.4270% | 1,632 |
| Efficiency ratio | 73.5723% | 3,649 |
| Assets per employee ($millions) | 2.1978% | 7,713 |
| Cash dividends to net income (ytd only)* | 44.9640% | 3,408 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9349% | 6,478 |
| Loan loss allowance to noncurrent loans | 70.4176% | 4,530 |
| Noncurrent assets plus other real estate owned to assets | 1.5718% | 3,099 |
| Noncurrent loans to loans | 1.3277% | 3,858 |
| Net loans and leases to total assets | 72.6832% | 3,439 |
| Net loans and leases to deposits | 85.6648% | 4,165 |
| Net loans and leases to core deposits | 114.4594% | 3,284 |
| Total domestic deposits to total assets | 84.8460% | 2,916 |
| Equity capital to assets | 11.5189% | 2,627 |
| Core capital (leverage) ratio | 11.8557% | 2,051 |
| Tier 1 risk-based capital ratio | 15.8622% | 2,722 |
| Total risk-based capital ratio | 16.8285% | 2,748 |
| Memoranda: | ||
| Average total assets | $140,749,800 | 4,068 |
| Average earning assets | $126,360,400 | 4,119 |
| Average equity | $16,532,000 | 3,820 |
| Average total loans | $99,421,200 | 3,965 |