Home > Seaside National Bank & Trust > Performance and Condition Ratios
Seaside National Bank & Trust, Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5336% | 4,370 |
| Cost of funding earning assets | 0.9378% | 1,197 |
| Net interest margin | 2.5958% | 4,657 |
| Noninterest income to average assets | 0.5274% | 2,453 |
| Noninterest expense to average assets | 1.9577% | 4,314 |
| Loan and lease loss provision to assets | 0.5981% | 530 |
| Net operating income to assets | 0.3776% | 4,277 |
| Return on assets (ROA) | 0.3775% | 4,337 |
| Pretax return on assets | 0.4424% | 4,346 |
| Return on Equity (ROE) | 4.2782% | 4,029 |
| Retained earnings to average equity (ytd only) | -18.8658% | 5,004 |
| Net charge-offs to loans | 1.1025% | 125 |
| Credit loss provision to net charge-offs | 75.9958% | 2,521 |
| Earnings coverage of net charge-offs (x) | 1.3223% | 2,865 |
| Efficiency ratio | 64.4416% | 2,761 |
| Assets per employee ($millions) | 13.7277% | 210 |
| Cash dividends to net income (ytd only)* | 540.9792% | 19 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8833% | 4,067 |
| Loan loss allowance to noncurrent loans | 502.8196% | 1,004 |
| Noncurrent assets plus other real estate owned to assets | 0.1392% | 3,822 |
| Noncurrent loans to loans | 0.1757% | 3,744 |
| Net loans and leases to total assets | 67.7786% | 2,396 |
| Net loans and leases to deposits | 80.6500% | 2,358 |
| Net loans and leases to core deposits | 94.4534% | 1,705 |
| Total domestic deposits to total assets | 84.0403% | 2,737 |
| Equity capital to assets | 7.6389% | 4,844 |
| Core capital (leverage) ratio | 7.3694% | 4,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.8159% | 3,010 |
| Memoranda: | ||
| Average total assets | $1,958,658,000 | 470 |
| Average earning assets | $1,864,369,333 | 455 |
| Average equity | $172,831,000 | 572 |
| Average total loans | $1,398,047,000 | 460 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8777% | 4,081 |
| Cost of funding earning assets | 1.2168% | 729 |
| Net interest margin | 2.6609% | 4,703 |
| Noninterest income to average assets | 0.5676% | 2,190 |
| Noninterest expense to average assets | 2.0018% | 4,386 |
| Loan and lease loss provision to assets | 0.0037% | 3,693 |
| Net operating income to assets | 0.8834% | 2,574 |
| Return on assets (ROA) | 0.8833% | 2,673 |
| Pretax return on assets | 1.1110% | 2,478 |
| Return on Equity (ROE) | 9.2874% | 2,000 |
| Retained earnings to average equity (ytd only) | 9.2874% | 900 |
| Net charge-offs to loans | 0.0038% | 2,443 |
| Credit loss provision to net charge-offs | 130.7692% | 1,662 |
| Earnings coverage of net charge-offs (x) | 398.8462% | 172 |
| Efficiency ratio | 63.3667% | 3,319 |
| Assets per employee ($millions) | 11.6126% | 258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1012% | 3,194 |
| Loan loss allowance to noncurrent loans | 290.1854% | 1,564 |
| Noncurrent assets plus other real estate owned to assets | 0.2998% | 3,255 |
| Noncurrent loans to loans | 0.3795% | 3,125 |
| Net loans and leases to total assets | 72.3383% | 1,867 |
| Net loans and leases to deposits | 89.7983% | 1,535 |
| Net loans and leases to core deposits | 107.3914% | 972 |
| Total domestic deposits to total assets | 80.5564% | 3,753 |
| Equity capital to assets | 9.7702% | 3,979 |
| Core capital (leverage) ratio | 9.2398% | 4,238 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8976% | 2,754 |
| Memoranda: | ||
| Average total assets | $1,860,364,500 | 476 |
| Average earning assets | $1,782,104,000 | 460 |
| Average equity | $176,928,000 | 552 |
| Average total loans | $1,360,164,500 | 463 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3534% | 3,380 |
| Cost of funding earning assets | 1.5493% | 344 |
| Net interest margin | 2.8041% | 4,759 |
| Noninterest income to average assets | 0.5372% | 2,548 |
| Noninterest expense to average assets | 1.9108% | 4,650 |
| Loan and lease loss provision to assets | 0.2701% | 665 |
| Net operating income to assets | 0.8305% | 3,454 |
| Return on assets (ROA) | 0.8290% | 3,553 |
| Pretax return on assets | 1.0516% | 3,325 |
| Return on Equity (ROE) | 9.6405% | 2,454 |
| Retained earnings to average equity (ytd only) | 9.6405% | 562 |
| Net charge-offs to loans | 0.3056% | 680 |
| Credit loss provision to net charge-offs | 122.4915% | 2,074 |
| Earnings coverage of net charge-offs (x) | 6.0036% | 3,019 |
| Efficiency ratio | 58.2488% | 3,931 |
| Assets per employee ($millions) | 11.9384% | 227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0854% | 3,029 |
| Loan loss allowance to noncurrent loans | 193.7956% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.4093% | 2,758 |
| Noncurrent loans to loans | 0.5601% | 2,497 |
| Net loans and leases to total assets | 72.2891% | 2,045 |
| Net loans and leases to deposits | 89.0365% | 1,694 |
| Net loans and leases to core deposits | 111.3125% | 785 |
| Total domestic deposits to total assets | 81.1904% | 3,725 |
| Equity capital to assets | 9.2545% | 4,527 |
| Core capital (leverage) ratio | 8.8793% | 4,618 |
| Tier 1 risk-based capital ratio | 10.6259% | 4,978 |
| Total risk-based capital ratio | 12.5780% | 4,603 |
| Memoranda: | ||
| Average total assets | $1,871,387,600 | 453 |
| Average earning assets | $1,800,069,800 | 429 |
| Average equity | $160,915,200 | 584 |
| Average total loans | $1,350,067,600 | 444 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3850% | 3,409 |
| Cost of funding earning assets | 1.6180% | 276 |
| Net interest margin | 2.7670% | 4,882 |
| Noninterest income to average assets | 0.5480% | 2,469 |
| Noninterest expense to average assets | 1.9710% | 4,603 |
| Loan and lease loss provision to assets | 0.3232% | 435 |
| Net operating income to assets | 0.7257% | 3,926 |
| Return on assets (ROA) | 0.7237% | 4,002 |
| Pretax return on assets | 0.9133% | 3,831 |
| Return on Equity (ROE) | 8.5797% | 3,068 |
| Retained earnings to average equity (ytd only) | 8.5797% | 1,178 |
| Net charge-offs to loans | 0.4044% | 413 |
| Credit loss provision to net charge-offs | 111.1520% | 2,077 |
| Earnings coverage of net charge-offs (x) | 4.2613% | 3,029 |
| Efficiency ratio | 60.5631% | 3,530 |
| Assets per employee ($millions) | 11.8296% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0764% | 3,145 |
| Loan loss allowance to noncurrent loans | 167.5786% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.4625% | 2,676 |
| Noncurrent loans to loans | 0.6423% | 2,359 |
| Net loans and leases to total assets | 71.2327% | 2,283 |
| Net loans and leases to deposits | 87.6393% | 1,984 |
| Net loans and leases to core deposits | 106.8709% | 1,118 |
| Total domestic deposits to total assets | 81.2794% | 3,669 |
| Equity capital to assets | 9.0374% | 4,764 |
| Core capital (leverage) ratio | 8.7754% | 4,794 |
| Tier 1 risk-based capital ratio | 10.2802% | 5,136 |
| Total risk-based capital ratio | 12.2178% | 4,806 |
| Memoranda: | ||
| Average total assets | $1,870,653,750 | 451 |
| Average earning assets | $1,799,757,250 | 428 |
| Average equity | $157,779,250 | 596 |
| Average total loans | $1,345,134,750 | 447 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4364% | 3,225 |
| Cost of funding earning assets | 1.6507% | 229 |
| Net interest margin | 2.7857% | 4,944 |
| Noninterest income to average assets | 0.4945% | 2,706 |
| Noninterest expense to average assets | 1.9553% | 4,679 |
| Loan and lease loss provision to assets | 0.4837% | 242 |
| Net operating income to assets | 0.5757% | 4,367 |
| Return on assets (ROA) | 0.5727% | 4,415 |
| Pretax return on assets | 0.7350% | 4,248 |
| Return on Equity (ROE) | 6.9536% | 3,695 |
| Retained earnings to average equity (ytd only) | 6.9536% | 1,826 |
| Net charge-offs to loans | 0.7168% | 207 |
| Credit loss provision to net charge-offs | 93.8923% | 2,086 |
| Earnings coverage of net charge-offs (x) | 2.3731% | 2,948 |
| Efficiency ratio | 60.6901% | 3,630 |
| Assets per employee ($millions) | 11.7812% | 219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0558% | 3,304 |
| Loan loss allowance to noncurrent loans | 675.8296% | 790 |
| Noncurrent assets plus other real estate owned to assets | 0.1092% | 4,206 |
| Noncurrent loans to loans | 0.1562% | 3,980 |
| Net loans and leases to total assets | 69.1322% | 2,656 |
| Net loans and leases to deposits | 84.1350% | 2,481 |
| Net loans and leases to core deposits | 104.7818% | 1,316 |
| Total domestic deposits to total assets | 82.1681% | 3,464 |
| Equity capital to assets | 8.7224% | 4,942 |
| Core capital (leverage) ratio | 8.2492% | 5,085 |
| Tier 1 risk-based capital ratio | 10.1807% | 5,198 |
| Total risk-based capital ratio | 12.1096% | 4,889 |
| Memoranda: | ||
| Average total assets | $1,875,124,000 | 451 |
| Average earning assets | $1,806,196,000 | 430 |
| Average equity | $154,423,670 | 604 |
| Average total loans | $1,347,726,330 | 446 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4336% | 3,102 |
| Cost of funding earning assets | 1.6179% | 212 |
| Net interest margin | 2.8157% | 4,975 |
| Noninterest income to average assets | 0.4602% | 2,796 |
| Noninterest expense to average assets | 1.9921% | 4,657 |
| Loan and lease loss provision to assets | 1.0736% | 78 |
| Net operating income to assets | 0.1295% | 5,072 |
| Return on assets (ROA) | 0.1269% | 5,082 |
| Pretax return on assets | 0.1125% | 5,095 |
| Return on Equity (ROE) | 1.5871% | 5,013 |
| Retained earnings to average equity (ytd only) | 1.5871% | 4,170 |
| Net charge-offs to loans | 1.4210% | 88 |
| Credit loss provision to net charge-offs | 103.7045% | 1,539 |
| Earnings coverage of net charge-offs (x) | 1.1482% | 2,617 |
| Efficiency ratio | 61.7972% | 3,564 |
| Assets per employee ($millions) | 12.2892% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0428% | 3,444 |
| Loan loss allowance to noncurrent loans | 554.6347% | 960 |
| Noncurrent assets plus other real estate owned to assets | 0.1345% | 4,127 |
| Noncurrent loans to loans | 0.1880% | 3,912 |
| Net loans and leases to total assets | 70.8062% | 2,361 |
| Net loans and leases to deposits | 85.8332% | 2,146 |
| Net loans and leases to core deposits | 112.4266% | 812 |
| Total domestic deposits to total assets | 82.4928% | 3,585 |
| Equity capital to assets | 8.0741% | 5,160 |
| Core capital (leverage) ratio | 7.8623% | 5,236 |
| Tier 1 risk-based capital ratio | 9.5558% | 5,327 |
| Total risk-based capital ratio | 11.4616% | 5,186 |
| Memoranda: | ||
| Average total assets | $1,887,863,500 | 453 |
| Average earning assets | $1,824,059,000 | 431 |
| Average equity | $150,969,000 | 615 |
| Average total loans | $1,375,417,000 | 435 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2057% | 3,434 |
| Cost of funding earning assets | 1.2390% | 291 |
| Net interest margin | 2.9667% | 4,835 |
| Noninterest income to average assets | 0.4801% | 2,945 |
| Noninterest expense to average assets | 1.9791% | 4,783 |
| Loan and lease loss provision to assets | 0.0828% | 2,474 |
| Net operating income to assets | 0.9777% | 3,108 |
| Return on assets (ROA) | 0.9895% | 3,057 |
| Pretax return on assets | 1.3146% | 2,448 |
| Return on Equity (ROE) | 12.9235% | 1,374 |
| Retained earnings to average equity (ytd only) | 12.9235% | 241 |
| Net charge-offs to loans | 0.0238% | 2,935 |
| Credit loss provision to net charge-offs | 471.3836% | 726 |
| Earnings coverage of net charge-offs (x) | 78.6635% | 865 |
| Efficiency ratio | 58.0501% | 4,153 |
| Assets per employee ($millions) | 12.3894% | 177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9981% | 3,711 |
| Loan loss allowance to noncurrent loans | 666.0296% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 4,272 |
| Noncurrent loans to loans | 0.1499% | 4,072 |
| Net loans and leases to total assets | 73.4254% | 2,025 |
| Net loans and leases to deposits | 88.5495% | 1,986 |
| Net loans and leases to core deposits | 113.6299% | 792 |
| Total domestic deposits to total assets | 82.9201% | 3,354 |
| Equity capital to assets | 7.9191% | 5,192 |
| Core capital (leverage) ratio | 7.8218% | 5,276 |
| Tier 1 risk-based capital ratio | 9.4650% | 5,371 |
| Total risk-based capital ratio | 11.3556% | 5,224 |
| Memoranda: | ||
| Average total assets | $1,809,377,800 | 454 |
| Average earning assets | $1,757,490,000 | 428 |
| Average equity | $138,538,400 | 628 |
| Average total loans | $1,334,896,400 | 439 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1282% | 3,542 |
| Cost of funding earning assets | 1.1563% | 316 |
| Net interest margin | 2.9720% | 4,884 |
| Noninterest income to average assets | 0.4963% | 2,897 |
| Noninterest expense to average assets | 2.0065% | 4,729 |
| Loan and lease loss provision to assets | 0.0896% | 2,185 |
| Net operating income to assets | 0.9641% | 3,247 |
| Return on assets (ROA) | 0.9797% | 3,190 |
| Pretax return on assets | 1.3057% | 2,607 |
| Return on Equity (ROE) | 12.9111% | 1,469 |
| Retained earnings to average equity (ytd only) | 12.9111% | 373 |
| Net charge-offs to loans | 0.0373% | 2,330 |
| Credit loss provision to net charge-offs | 326.2873% | 961 |
| Earnings coverage of net charge-offs (x) | 50.0729% | 1,172 |
| Efficiency ratio | 58.5001% | 4,041 |
| Assets per employee ($millions) | 12.4717% | 176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9822% | 3,881 |
| Loan loss allowance to noncurrent loans | 451.1782% | 1,192 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 4,151 |
| Noncurrent loans to loans | 0.2177% | 3,929 |
| Net loans and leases to total assets | 72.7740% | 2,208 |
| Net loans and leases to deposits | 85.5124% | 2,418 |
| Net loans and leases to core deposits | 109.3012% | 1,082 |
| Total domestic deposits to total assets | 85.1035% | 2,569 |
| Equity capital to assets | 7.4748% | 5,311 |
| Core capital (leverage) ratio | 7.6390% | 5,380 |
| Tier 1 risk-based capital ratio | 9.1452% | 5,452 |
| Total risk-based capital ratio | 11.0228% | 5,382 |
| Memoranda: | ||
| Average total assets | $1,790,925,000 | 458 |
| Average earning assets | $1,739,000,750 | 430 |
| Average equity | $135,890,000 | 632 |
| Average total loans | $1,319,450,750 | 439 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0733% | 3,544 |
| Cost of funding earning assets | 1.0570% | 353 |
| Net interest margin | 3.0162% | 4,856 |
| Noninterest income to average assets | 0.5103% | 2,800 |
| Noninterest expense to average assets | 2.0312% | 4,745 |
| Loan and lease loss provision to assets | 0.0761% | 2,374 |
| Net operating income to assets | 0.9718% | 3,134 |
| Return on assets (ROA) | 0.9732% | 3,133 |
| Pretax return on assets | 1.3329% | 2,384 |
| Return on Equity (ROE) | 12.7584% | 1,458 |
| Retained earnings to average equity (ytd only) | 12.7584% | 419 |
| Net charge-offs to loans | 0.0089% | 2,815 |
| Credit loss provision to net charge-offs | 1,155.1724% | 363 |
| Earnings coverage of net charge-offs (x) | 213.5345% | 405 |
| Efficiency ratio | 58.2466% | 4,192 |
| Assets per employee ($millions) | 12.1426% | 184 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9917% | 3,900 |
| Loan loss allowance to noncurrent loans | 409.0242% | 1,303 |
| Noncurrent assets plus other real estate owned to assets | 0.2114% | 3,947 |
| Noncurrent loans to loans | 0.2424% | 3,834 |
| Net loans and leases to total assets | 73.2931% | 2,075 |
| Net loans and leases to deposits | 90.9064% | 1,720 |
| Net loans and leases to core deposits | 122.4726% | 505 |
| Total domestic deposits to total assets | 80.6248% | 4,093 |
| Equity capital to assets | 7.5547% | 5,367 |
| Core capital (leverage) ratio | 7.8323% | 5,388 |
| Tier 1 risk-based capital ratio | 9.0791% | 5,511 |
| Total risk-based capital ratio | 10.9982% | 5,434 |
| Memoranda: | ||
| Average total assets | $1,760,158,670 | 465 |
| Average earning assets | $1,708,750,000 | 435 |
| Average equity | $134,264,330 | 636 |
| Average total loans | $1,297,903,670 | 444 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0304% | 3,504 |
| Cost of funding earning assets | 0.9809% | 405 |
| Net interest margin | 3.0496% | 4,795 |
| Noninterest income to average assets | 0.4720% | 2,988 |
| Noninterest expense to average assets | 2.1305% | 4,583 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9268% | 3,171 |
| Return on assets (ROA) | 0.9297% | 3,182 |
| Pretax return on assets | 1.3042% | 2,350 |
| Return on Equity (ROE) | 12.1270% | 1,532 |
| Retained earnings to average equity (ytd only) | 12.1270% | 661 |
| Net charge-offs to loans | 0.0141% | 2,258 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 124.9556% | 514 |
| Efficiency ratio | 61.2538% | 3,908 |
| Assets per employee ($millions) | 11.5130% | 214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0088% | 3,900 |
| Loan loss allowance to noncurrent loans | 786.7574% | 735 |
| Noncurrent assets plus other real estate owned to assets | 0.1272% | 4,446 |
| Noncurrent loans to loans | 0.1282% | 4,392 |
| Net loans and leases to total assets | 72.2458% | 2,127 |
| Net loans and leases to deposits | 87.4510% | 1,999 |
| Net loans and leases to core deposits | 137.8535% | 236 |
| Total domestic deposits to total assets | 82.6128% | 3,783 |
| Equity capital to assets | 7.7221% | 5,359 |
| Core capital (leverage) ratio | 7.7151% | 5,466 |
| Tier 1 risk-based capital ratio | 9.4104% | 5,563 |
| Total risk-based capital ratio | 11.4301% | 5,386 |
| Memoranda: | ||
| Average total assets | $1,729,545,500 | 473 |
| Average earning assets | $1,678,128,000 | 444 |
| Average equity | $132,596,500 | 643 |
| Average total loans | $1,272,695,000 | 455 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7617% | 4,179 |
| Cost of funding earning assets | 0.6938% | 1,062 |
| Net interest margin | 3.0679% | 4,750 |
| Noninterest income to average assets | 0.4602% | 3,242 |
| Noninterest expense to average assets | 2.1270% | 4,703 |
| Loan and lease loss provision to assets | 0.0406% | 3,457 |
| Net operating income to assets | 0.6009% | 4,007 |
| Return on assets (ROA) | 0.6023% | 4,037 |
| Pretax return on assets | 1.2674% | 2,478 |
| Return on Equity (ROE) | 7.8006% | 2,886 |
| Retained earnings to average equity (ytd only) | 7.8006% | 827 |
| Net charge-offs to loans | 0.0042% | 3,952 |
| Credit loss provision to net charge-offs | 1,332.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 428.8400% | 199 |
| Efficiency ratio | 61.0753% | 4,103 |
| Assets per employee ($millions) | 11.5476% | 211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9929% | 3,990 |
| Loan loss allowance to noncurrent loans | 234.1101% | 2,029 |
| Noncurrent assets plus other real estate owned to assets | 0.3862% | 3,318 |
| Noncurrent loans to loans | 0.4241% | 3,262 |
| Net loans and leases to total assets | 73.4506% | 2,014 |
| Net loans and leases to deposits | 91.2101% | 1,627 |
| Net loans and leases to core deposits | 141.6069% | 196 |
| Total domestic deposits to total assets | 80.5290% | 4,239 |
| Equity capital to assets | 7.6112% | 5,519 |
| Core capital (leverage) ratio | 7.6102% | 5,537 |
| Tier 1 risk-based capital ratio | 8.9796% | 5,635 |
| Total risk-based capital ratio | 10.9616% | 5,548 |
| Memoranda: | ||
| Average total assets | $1,642,256,200 | 478 |
| Average earning assets | $1,591,175,800 | 457 |
| Average equity | $126,811,000 | 652 |
| Average total loans | $1,196,245,200 | 456 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6903% | 4,345 |
| Cost of funding earning assets | 0.6494% | 1,246 |
| Net interest margin | 3.0409% | 4,829 |
| Noninterest income to average assets | 0.4573% | 3,292 |
| Noninterest expense to average assets | 2.1770% | 4,574 |
| Loan and lease loss provision to assets | 0.0548% | 2,992 |
| Net operating income to assets | 0.7347% | 3,797 |
| Return on assets (ROA) | 0.7367% | 3,861 |
| Pretax return on assets | 1.1744% | 3,006 |
| Return on Equity (ROE) | 9.5043% | 2,348 |
| Retained earnings to average equity (ytd only) | 9.5043% | 705 |
| Net charge-offs to loans | 0.0120% | 3,306 |
| Credit loss provision to net charge-offs | 628.3019% | 523 |
| Earnings coverage of net charge-offs (x) | 140.5186% | 563 |
| Efficiency ratio | 63.0627% | 3,700 |
| Assets per employee ($millions) | 10.8583% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0493% | 3,800 |
| Loan loss allowance to noncurrent loans | 162.2972% | 2,619 |
| Noncurrent assets plus other real estate owned to assets | 0.5494% | 2,874 |
| Noncurrent loans to loans | 0.6466% | 2,776 |
| Net loans and leases to total assets | 72.5779% | 2,171 |
| Net loans and leases to deposits | 92.9385% | 1,427 |
| Net loans and leases to core deposits | 133.8260% | 286 |
| Total domestic deposits to total assets | 78.0924% | 4,710 |
| Equity capital to assets | 7.9993% | 5,523 |
| Core capital (leverage) ratio | 7.6723% | 5,598 |
| Tier 1 risk-based capital ratio | 9.1633% | 5,693 |
| Total risk-based capital ratio | 11.2395% | 5,565 |
| Memoranda: | ||
| Average total assets | $1,619,784,250 | 487 |
| Average earning assets | $1,569,093,750 | 464 |
| Average equity | $125,554,500 | 660 |
| Average total loans | $1,174,049,000 | 469 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6236% | 4,447 |
| Cost of funding earning assets | 0.6138% | 1,365 |
| Net interest margin | 3.0098% | 4,893 |
| Noninterest income to average assets | 0.4742% | 3,186 |
| Noninterest expense to average assets | 2.2258% | 4,512 |
| Loan and lease loss provision to assets | 0.0708% | 2,558 |
| Net operating income to assets | 0.6875% | 3,902 |
| Return on assets (ROA) | 0.6905% | 3,953 |
| Pretax return on assets | 1.0971% | 3,194 |
| Return on Equity (ROE) | 9.0067% | 2,503 |
| Retained earnings to average equity (ytd only) | 9.0067% | 841 |
| Net charge-offs to loans | 0.0165% | 2,914 |
| Credit loss provision to net charge-offs | 593.7500% | 581 |
| Earnings coverage of net charge-offs (x) | 97.5104% | 665 |
| Efficiency ratio | 64.7613% | 3,547 |
| Assets per employee ($millions) | 10.8153% | 241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0570% | 3,815 |
| Loan loss allowance to noncurrent loans | 189.6153% | 2,343 |
| Noncurrent assets plus other real estate owned to assets | 0.4866% | 3,144 |
| Noncurrent loans to loans | 0.5574% | 3,067 |
| Net loans and leases to total assets | 72.8027% | 2,077 |
| Net loans and leases to deposits | 90.8844% | 1,623 |
| Net loans and leases to core deposits | 124.8385% | 416 |
| Total domestic deposits to total assets | 80.1047% | 4,387 |
| Equity capital to assets | 7.9323% | 5,562 |
| Core capital (leverage) ratio | 7.5723% | 5,643 |
| Tier 1 risk-based capital ratio | 9.1891% | 5,732 |
| Total risk-based capital ratio | 11.3299% | 5,553 |
| Memoranda: | ||
| Average total assets | $1,609,559,000 | 493 |
| Average earning assets | $1,558,760,000 | 468 |
| Average equity | $123,397,670 | 672 |
| Average total loans | $1,161,874,330 | 474 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5122% | 4,660 |
| Cost of funding earning assets | 0.5818% | 1,504 |
| Net interest margin | 2.9303% | 5,025 |
| Noninterest income to average assets | 0.4409% | 3,373 |
| Noninterest expense to average assets | 2.2625% | 4,499 |
| Loan and lease loss provision to assets | 0.0337% | 3,112 |
| Net operating income to assets | 0.6184% | 4,075 |
| Return on assets (ROA) | 0.6183% | 4,129 |
| Pretax return on assets | 0.9793% | 3,460 |
| Return on Equity (ROE) | 8.2084% | 2,805 |
| Retained earnings to average equity (ytd only) | 8.2084% | 1,372 |
| Net charge-offs to loans | -0.0478% | 5,165 |
| Credit loss provision to net charge-offs | -98.5401% | 3,935 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1164% | 3,171 |
| Assets per employee ($millions) | 9.8404% | 323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 3,834 |
| Loan loss allowance to noncurrent loans | 91.3943% | 3,776 |
| Noncurrent assets plus other real estate owned to assets | 0.8574% | 2,159 |
| Noncurrent loans to loans | 1.1797% | 1,720 |
| Net loans and leases to total assets | 70.1548% | 2,351 |
| Net loans and leases to deposits | 84.7347% | 2,189 |
| Net loans and leases to core deposits | 119.7337% | 468 |
| Total domestic deposits to total assets | 82.7934% | 3,919 |
| Equity capital to assets | 7.5581% | 5,667 |
| Core capital (leverage) ratio | 7.3921% | 5,723 |
| Tier 1 risk-based capital ratio | 9.1620% | 5,797 |
| Total risk-based capital ratio | 11.3443% | 5,630 |
| Memoranda: | ||
| Average total assets | $1,603,191,000 | 496 |
| Average earning assets | $1,550,947,000 | 471 |
| Average equity | $120,754,000 | 681 |
| Average total loans | $1,145,965,500 | 478 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5838% | 4,555 |
| Cost of funding earning assets | 0.4719% | 2,334 |
| Net interest margin | 3.1120% | 4,700 |
| Noninterest income to average assets | 0.6113% | 2,603 |
| Noninterest expense to average assets | 2.4101% | 4,283 |
| Loan and lease loss provision to assets | 0.1616% | 1,530 |
| Net operating income to assets | 0.6581% | 3,964 |
| Return on assets (ROA) | 0.6594% | 4,073 |
| Pretax return on assets | 1.0556% | 3,277 |
| Return on Equity (ROE) | 8.0373% | 2,913 |
| Retained earnings to average equity (ytd only) | 8.0373% | 848 |
| Net charge-offs to loans | 0.0706% | 2,689 |
| Credit loss provision to net charge-offs | 312.5676% | 951 |
| Earnings coverage of net charge-offs (x) | 23.5014% | 1,679 |
| Efficiency ratio | 65.4556% | 3,682 |
| Assets per employee ($millions) | 9.4209% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 3,925 |
| Loan loss allowance to noncurrent loans | 104.2586% | 3,544 |
| Noncurrent assets plus other real estate owned to assets | 0.7430% | 2,503 |
| Noncurrent loans to loans | 1.0213% | 2,045 |
| Net loans and leases to total assets | 71.2884% | 2,280 |
| Net loans and leases to deposits | 87.7673% | 1,954 |
| Net loans and leases to core deposits | 132.7703% | 253 |
| Total domestic deposits to total assets | 81.2244% | 4,279 |
| Equity capital to assets | 7.5054% | 5,716 |
| Core capital (leverage) ratio | 7.4761% | 5,757 |
| Tier 1 risk-based capital ratio | 9.2123% | 5,846 |
| Total risk-based capital ratio | 11.4029% | 5,647 |
| Memoranda: | ||
| Average total assets | $1,431,065,600 | 524 |
| Average earning assets | $1,386,031,000 | 499 |
| Average equity | $117,402,600 | 680 |
| Average total loans | $1,048,468,400 | 485 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5841% | 4,596 |
| Cost of funding earning assets | 0.4486% | 2,566 |
| Net interest margin | 3.1355% | 4,684 |
| Noninterest income to average assets | 0.6566% | 2,382 |
| Noninterest expense to average assets | 2.4785% | 4,050 |
| Loan and lease loss provision to assets | 0.1824% | 1,210 |
| Net operating income to assets | 0.6447% | 4,105 |
| Return on assets (ROA) | 0.6486% | 4,213 |
| Pretax return on assets | 1.0388% | 3,477 |
| Return on Equity (ROE) | 7.7192% | 3,168 |
| Retained earnings to average equity (ytd only) | 7.7192% | 1,301 |
| Net charge-offs to loans | 0.1268% | 1,692 |
| Credit loss provision to net charge-offs | 195.4872% | 1,467 |
| Earnings coverage of net charge-offs (x) | 13.0215% | 2,340 |
| Efficiency ratio | 66.1295% | 3,570 |
| Assets per employee ($millions) | 8.8823% | 428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0655% | 4,047 |
| Loan loss allowance to noncurrent loans | 96.5659% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 0.8105% | 2,513 |
| Noncurrent loans to loans | 1.1034% | 2,047 |
| Net loans and leases to total assets | 71.9946% | 2,196 |
| Net loans and leases to deposits | 86.2860% | 2,234 |
| Net loans and leases to core deposits | 125.8282% | 372 |
| Total domestic deposits to total assets | 83.4372% | 3,434 |
| Equity capital to assets | 8.2340% | 5,656 |
| Core capital (leverage) ratio | 7.8674% | 5,735 |
| Tier 1 risk-based capital ratio | 9.3056% | 5,900 |
| Total risk-based capital ratio | 11.5322% | 5,637 |
| Memoranda: | ||
| Average total assets | $1,393,154,250 | 537 |
| Average earning assets | $1,349,354,750 | 513 |
| Average equity | $117,056,000 | 682 |
| Average total loans | $1,025,477,250 | 499 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5657% | 4,693 |
| Cost of funding earning assets | 0.4272% | 2,759 |
| Net interest margin | 3.1385% | 4,724 |
| Noninterest income to average assets | 0.6319% | 2,455 |
| Noninterest expense to average assets | 2.4824% | 4,076 |
| Loan and lease loss provision to assets | 0.1841% | 1,182 |
| Net operating income to assets | 0.6300% | 4,145 |
| Return on assets (ROA) | 0.6359% | 4,259 |
| Pretax return on assets | 1.0178% | 3,524 |
| Return on Equity (ROE) | 7.5137% | 3,255 |
| Retained earnings to average equity (ytd only) | 7.5137% | 1,374 |
| Net charge-offs to loans | 0.1773% | 1,277 |
| Credit loss provision to net charge-offs | 140.5375% | 1,678 |
| Earnings coverage of net charge-offs (x) | 9.1030% | 2,451 |
| Efficiency ratio | 66.5482% | 3,599 |
| Assets per employee ($millions) | 8.5953% | 460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0525% | 4,216 |
| Loan loss allowance to noncurrent loans | 99.2105% | 3,723 |
| Noncurrent assets plus other real estate owned to assets | 0.7897% | 2,621 |
| Noncurrent loans to loans | 1.0609% | 2,169 |
| Net loans and leases to total assets | 72.9078% | 2,024 |
| Net loans and leases to deposits | 87.2095% | 2,108 |
| Net loans and leases to core deposits | 124.6151% | 397 |
| Total domestic deposits to total assets | 83.6008% | 3,423 |
| Equity capital to assets | 8.4736% | 5,612 |
| Core capital (leverage) ratio | 7.9578% | 5,748 |
| Tier 1 risk-based capital ratio | 9.4355% | 5,961 |
| Total risk-based capital ratio | 10.4112% | 5,983 |
| Memoranda: | ||
| Average total assets | $1,363,093,330 | 547 |
| Average earning assets | $1,321,711,000 | 525 |
| Average equity | $115,362,000 | 690 |
| Average total loans | $1,007,495,000 | 509 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5490% | 4,768 |
| Cost of funding earning assets | 0.4102% | 2,960 |
| Net interest margin | 3.1388% | 4,752 |
| Noninterest income to average assets | 0.7305% | 1,900 |
| Noninterest expense to average assets | 2.5767% | 3,823 |
| Loan and lease loss provision to assets | 0.2323% | 789 |
| Net operating income to assets | 0.6030% | 4,167 |
| Return on assets (ROA) | 0.6150% | 4,229 |
| Pretax return on assets | 0.9855% | 3,531 |
| Return on Equity (ROE) | 7.2714% | 3,303 |
| Retained earnings to average equity (ytd only) | 7.2714% | 1,761 |
| Net charge-offs to loans | -0.0173% | 4,785 |
| Credit loss provision to net charge-offs | -1,809.3023% | 4,866 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2571% | 3,586 |
| Assets per employee ($millions) | 8.5450% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 3,901 |
| Loan loss allowance to noncurrent loans | 85.7498% | 3,953 |
| Noncurrent assets plus other real estate owned to assets | 0.9731% | 2,278 |
| Noncurrent loans to loans | 1.3143% | 1,819 |
| Net loans and leases to total assets | 73.0916% | 1,870 |
| Net loans and leases to deposits | 84.5909% | 2,238 |
| Net loans and leases to core deposits | 118.3103% | 515 |
| Total domestic deposits to total assets | 86.4060% | 2,491 |
| Equity capital to assets | 8.4363% | 5,610 |
| Core capital (leverage) ratio | 8.1825% | 5,660 |
| Tier 1 risk-based capital ratio | 9.6214% | 5,987 |
| Total risk-based capital ratio | 10.6792% | 5,996 |
| Memoranda: | ||
| Average total assets | $1,339,829,500 | 553 |
| Average earning assets | $1,299,871,500 | 531 |
| Average equity | $113,320,000 | 705 |
| Average total loans | $991,914,500 | 513 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5997% | 4,677 |
| Cost of funding earning assets | 0.4023% | 3,129 |
| Net interest margin | 3.1975% | 4,635 |
| Noninterest income to average assets | 0.5611% | 2,960 |
| Noninterest expense to average assets | 2.7198% | 3,516 |
| Loan and lease loss provision to assets | 0.1113% | 2,136 |
| Net operating income to assets | 0.5033% | 4,679 |
| Return on assets (ROA) | 0.5037% | 4,769 |
| Pretax return on assets | 0.8100% | 4,155 |
| Return on Equity (ROE) | 5.5918% | 4,236 |
| Retained earnings to average equity (ytd only) | 5.5918% | 2,020 |
| Net charge-offs to loans | 0.0543% | 3,123 |
| Credit loss provision to net charge-offs | 277.1967% | 1,049 |
| Earnings coverage of net charge-offs (x) | 22.9331% | 1,751 |
| Efficiency ratio | 73.8241% | 2,608 |
| Assets per employee ($millions) | 8.0519% | 545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0862% | 4,117 |
| Loan loss allowance to noncurrent loans | 77.2209% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 1.1047% | 1,985 |
| Noncurrent loans to loans | 1.4066% | 1,657 |
| Net loans and leases to total assets | 73.3402% | 1,836 |
| Net loans and leases to deposits | 87.2792% | 1,960 |
| Net loans and leases to core deposits | 121.6534% | 435 |
| Total domestic deposits to total assets | 84.0294% | 3,465 |
| Equity capital to assets | 8.4802% | 5,578 |
| Core capital (leverage) ratio | 8.3783% | 5,546 |
| Tier 1 risk-based capital ratio | 9.7461% | 6,008 |
| Total risk-based capital ratio | 10.7567% | 6,031 |
| Memoranda: | ||
| Average total assets | $1,190,787,400 | 593 |
| Average earning assets | $1,146,775,600 | 561 |
| Average equity | $107,263,800 | 718 |
| Average total loans | $880,180,600 | 539 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6004% | 4,742 |
| Cost of funding earning assets | 0.4078% | 3,145 |
| Net interest margin | 3.1926% | 4,693 |
| Noninterest income to average assets | 0.5726% | 2,899 |
| Noninterest expense to average assets | 2.7671% | 3,317 |
| Loan and lease loss provision to assets | 0.0797% | 2,580 |
| Net operating income to assets | 0.4952% | 4,808 |
| Return on assets (ROA) | 0.4966% | 4,890 |
| Pretax return on assets | 0.7974% | 4,347 |
| Return on Equity (ROE) | 5.4233% | 4,440 |
| Retained earnings to average equity (ytd only) | 5.4233% | 2,627 |
| Net charge-offs to loans | -0.0422% | 5,487 |
| Credit loss provision to net charge-offs | -256.0886% | 5,230 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4172% | 2,334 |
| Assets per employee ($millions) | 7.6008% | 650 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2023% | 3,644 |
| Loan loss allowance to noncurrent loans | 94.6176% | 3,793 |
| Noncurrent assets plus other real estate owned to assets | 0.9832% | 2,389 |
| Noncurrent loans to loans | 1.2707% | 2,009 |
| Net loans and leases to total assets | 71.3273% | 2,169 |
| Net loans and leases to deposits | 82.3043% | 2,610 |
| Net loans and leases to core deposits | 116.3202% | 576 |
| Total domestic deposits to total assets | 86.6629% | 2,201 |
| Equity capital to assets | 8.9725% | 5,330 |
| Core capital (leverage) ratio | 8.7654% | 5,282 |
| Tier 1 risk-based capital ratio | 10.2995% | 5,948 |
| Total risk-based capital ratio | 11.3979% | 5,940 |
| Memoranda: | ||
| Average total assets | $1,160,369,000 | 610 |
| Average earning assets | $1,115,638,500 | 579 |
| Average equity | $106,255,000 | 731 |
| Average total loans | $856,943,000 | 550 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5591% | 4,838 |
| Cost of funding earning assets | 0.4134% | 3,117 |
| Net interest margin | 3.1456% | 4,840 |
| Noninterest income to average assets | 0.5365% | 3,130 |
| Noninterest expense to average assets | 2.7500% | 3,411 |
| Loan and lease loss provision to assets | 0.0618% | 2,874 |
| Net operating income to assets | 0.4618% | 4,938 |
| Return on assets (ROA) | 0.4627% | 5,025 |
| Pretax return on assets | 0.7464% | 4,505 |
| Return on Equity (ROE) | 5.0169% | 4,609 |
| Retained earnings to average equity (ytd only) | 5.0169% | 2,855 |
| Net charge-offs to loans | -0.0995% | 5,789 |
| Credit loss provision to net charge-offs | -83.3729% | 4,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8588% | 2,219 |
| Assets per employee ($millions) | 7.3158% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1781% | 3,917 |
| Loan loss allowance to noncurrent loans | 153.5929% | 2,756 |
| Noncurrent assets plus other real estate owned to assets | 0.5661% | 3,720 |
| Noncurrent loans to loans | 0.7670% | 3,192 |
| Net loans and leases to total assets | 72.9297% | 1,833 |
| Net loans and leases to deposits | 85.2956% | 2,136 |
| Net loans and leases to core deposits | 111.9590% | 748 |
| Total domestic deposits to total assets | 85.5023% | 2,919 |
| Equity capital to assets | 8.8552% | 5,386 |
| Core capital (leverage) ratio | 8.7857% | 5,242 |
| Tier 1 risk-based capital ratio | 10.0683% | 6,066 |
| Total risk-based capital ratio | 11.1456% | 6,068 |
| Memoranda: | ||
| Average total assets | $1,136,716,000 | 627 |
| Average earning assets | $1,091,413,670 | 589 |
| Average equity | $104,846,330 | 741 |
| Average total loans | $846,270,330 | 556 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5376% | 4,865 |
| Cost of funding earning assets | 0.4208% | 3,065 |
| Net interest margin | 3.1168% | 4,898 |
| Noninterest income to average assets | 0.4477% | 3,646 |
| Noninterest expense to average assets | 2.6781% | 3,662 |
| Loan and lease loss provision to assets | 0.0305% | 3,279 |
| Net operating income to assets | 0.4538% | 4,853 |
| Return on assets (ROA) | 0.4543% | 4,969 |
| Pretax return on assets | 0.7444% | 4,448 |
| Return on Equity (ROE) | 4.8197% | 4,621 |
| Retained earnings to average equity (ytd only) | 4.8197% | 3,165 |
| Net charge-offs to loans | -0.1141% | 5,903 |
| Credit loss provision to net charge-offs | -35.7447% | 4,370 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4798% | 2,272 |
| Assets per employee ($millions) | 7.2053% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2067% | 3,941 |
| Loan loss allowance to noncurrent loans | 224.3521% | 2,020 |
| Noncurrent assets plus other real estate owned to assets | 0.4132% | 4,377 |
| Noncurrent loans to loans | 0.5379% | 3,968 |
| Net loans and leases to total assets | 73.1427% | 1,631 |
| Net loans and leases to deposits | 84.5392% | 1,999 |
| Net loans and leases to core deposits | 108.3105% | 811 |
| Total domestic deposits to total assets | 86.5193% | 2,659 |
| Equity capital to assets | 9.3498% | 4,908 |
| Core capital (leverage) ratio | 8.9864% | 4,968 |
| Tier 1 risk-based capital ratio | 10.7049% | 5,935 |
| Total risk-based capital ratio | 11.8257% | 5,920 |
| Memoranda: | ||
| Average total assets | $1,101,523,000 | 643 |
| Average earning assets | $1,061,858,500 | 603 |
| Average equity | $103,824,000 | 746 |
| Average total loans | $823,990,000 | 561 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6145% | 5,048 |
| Cost of funding earning assets | 0.4331% | 3,355 |
| Net interest margin | 3.1815% | 4,978 |
| Noninterest income to average assets | 0.4200% | 4,037 |
| Noninterest expense to average assets | 2.8668% | 3,250 |
| Loan and lease loss provision to assets | 0.1143% | 2,263 |
| Net operating income to assets | 0.2868% | 5,549 |
| Return on assets (ROA) | 0.3210% | 5,534 |
| Pretax return on assets | 0.5307% | 5,168 |
| Return on Equity (ROE) | 3.3089% | 5,374 |
| Retained earnings to average equity (ytd only) | 3.3089% | 3,872 |
| Net charge-offs to loans | -0.0817% | 6,068 |
| Credit loss provision to net charge-offs | -190.7743% | 5,618 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8199% | 1,553 |
| Assets per employee ($millions) | 7.1458% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1918% | 4,051 |
| Loan loss allowance to noncurrent loans | 185.8372% | 2,376 |
| Noncurrent assets plus other real estate owned to assets | 0.5005% | 4,132 |
| Noncurrent loans to loans | 0.6413% | 3,764 |
| Net loans and leases to total assets | 74.7041% | 1,462 |
| Net loans and leases to deposits | 89.9822% | 1,518 |
| Net loans and leases to core deposits | 106.0313% | 1,020 |
| Total domestic deposits to total assets | 83.0210% | 4,073 |
| Equity capital to assets | 9.5044% | 4,715 |
| Core capital (leverage) ratio | 8.9999% | 5,006 |
| Tier 1 risk-based capital ratio | 10.5462% | 6,080 |
| Total risk-based capital ratio | 11.6913% | 6,068 |
| Memoranda: | ||
| Average total assets | $1,012,867,000 | 667 |
| Average earning assets | $967,318,400 | 632 |
| Average equity | $98,249,200 | 746 |
| Average total loans | $742,699,200 | 585 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5766% | 5,205 |
| Cost of funding earning assets | 0.4417% | 3,352 |
| Net interest margin | 3.1349% | 5,163 |
| Noninterest income to average assets | 0.4210% | 4,088 |
| Noninterest expense to average assets | 2.8909% | 3,155 |
| Loan and lease loss provision to assets | 0.1368% | 1,825 |
| Net operating income to assets | 0.2302% | 5,782 |
| Return on assets (ROA) | 0.2734% | 5,735 |
| Pretax return on assets | 0.4500% | 5,463 |
| Return on Equity (ROE) | 2.8032% | 5,617 |
| Retained earnings to average equity (ytd only) | 2.8032% | 4,610 |
| Net charge-offs to loans | -0.0427% | 5,851 |
| Credit loss provision to net charge-offs | -440.5172% | 5,722 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7708% | 1,308 |
| Assets per employee ($millions) | 6.9775% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 4,161 |
| Loan loss allowance to noncurrent loans | 114.9775% | 3,336 |
| Noncurrent assets plus other real estate owned to assets | 0.8167% | 3,385 |
| Noncurrent loans to loans | 1.0545% | 2,966 |
| Net loans and leases to total assets | 72.1974% | 1,811 |
| Net loans and leases to deposits | 83.3541% | 2,248 |
| Net loans and leases to core deposits | 94.4161% | 1,816 |
| Total domestic deposits to total assets | 86.6152% | 2,519 |
| Equity capital to assets | 9.7390% | 4,501 |
| Core capital (leverage) ratio | 8.8464% | 5,271 |
| Tier 1 risk-based capital ratio | 11.0727% | 5,963 |
| Total risk-based capital ratio | 12.2398% | 5,941 |
| Memoranda: | ||
| Average total assets | $996,329,500 | 677 |
| Average earning assets | $950,046,750 | 642 |
| Average equity | $97,173,000 | 753 |
| Average total loans | $724,425,750 | 597 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5374% | 5,319 |
| Cost of funding earning assets | 0.4441% | 3,397 |
| Net interest margin | 3.0933% | 5,273 |
| Noninterest income to average assets | 0.3868% | 4,344 |
| Noninterest expense to average assets | 2.9128% | 3,119 |
| Loan and lease loss provision to assets | 0.1868% | 1,307 |
| Net operating income to assets | 0.1379% | 5,978 |
| Return on assets (ROA) | 0.2002% | 5,894 |
| Pretax return on assets | 0.3328% | 5,720 |
| Return on Equity (ROE) | 2.0519% | 5,828 |
| Retained earnings to average equity (ytd only) | 2.0519% | 4,866 |
| Net charge-offs to loans | -0.0160% | 5,463 |
| Credit loss provision to net charge-offs | -1,608.7719% | 5,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.3389% | 1,152 |
| Assets per employee ($millions) | 6.8064% | 870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2012% | 4,416 |
| Loan loss allowance to noncurrent loans | 104.8972% | 3,530 |
| Noncurrent assets plus other real estate owned to assets | 0.8809% | 3,344 |
| Noncurrent loans to loans | 1.1451% | 2,937 |
| Net loans and leases to total assets | 71.9558% | 1,755 |
| Net loans and leases to deposits | 83.5587% | 2,077 |
| Net loans and leases to core deposits | 99.3576% | 1,330 |
| Total domestic deposits to total assets | 86.1141% | 2,986 |
| Equity capital to assets | 9.8044% | 4,349 |
| Core capital (leverage) ratio | 8.8917% | 5,171 |
| Tier 1 risk-based capital ratio | 11.1082% | 6,008 |
| Total risk-based capital ratio | 12.2320% | 6,004 |
| Memoranda: | ||
| Average total assets | $981,888,330 | 685 |
| Average earning assets | $935,828,670 | 653 |
| Average equity | $95,813,330 | 758 |
| Average total loans | $712,629,670 | 606 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4732% | 5,496 |
| Cost of funding earning assets | 0.4487% | 3,441 |
| Net interest margin | 3.0245% | 5,465 |
| Noninterest income to average assets | 0.3196% | 4,818 |
| Noninterest expense to average assets | 2.9233% | 3,144 |
| Loan and lease loss provision to assets | 0.1808% | 1,328 |
| Net operating income to assets | 0.0493% | 6,130 |
| Return on assets (ROA) | 0.1821% | 5,892 |
| Pretax return on assets | 0.3001% | 5,719 |
| Return on Equity (ROE) | 1.8704% | 5,820 |
| Retained earnings to average equity (ytd only) | 1.8704% | 4,846 |
| Net charge-offs to loans | 0.0442% | 2,768 |
| Credit loss provision to net charge-offs | 564.9351% | 495 |
| Earnings coverage of net charge-offs (x) | 8.5455% | 2,012 |
| Efficiency ratio | 91.4445% | 916 |
| Assets per employee ($millions) | 6.5051% | 1,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 4,768 |
| Loan loss allowance to noncurrent loans | 105.5464% | 3,481 |
| Noncurrent assets plus other real estate owned to assets | 0.9863% | 3,289 |
| Noncurrent loans to loans | 1.1105% | 3,200 |
| Net loans and leases to total assets | 71.3835% | 1,666 |
| Net loans and leases to deposits | 80.9701% | 2,168 |
| Net loans and leases to core deposits | 94.2230% | 1,532 |
| Total domestic deposits to total assets | 88.1604% | 2,135 |
| Equity capital to assets | 9.5860% | 4,378 |
| Core capital (leverage) ratio | 8.8620% | 5,187 |
| Tier 1 risk-based capital ratio | 10.9012% | 6,191 |
| Total risk-based capital ratio | 11.9985% | 6,223 |
| Memoranda: | ||
| Average total assets | $962,353,500 | 704 |
| Average earning assets | $915,458,500 | 670 |
| Average equity | $93,670,500 | 777 |
| Average total loans | $697,159,000 | 622 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6800% | 5,192 |
| Cost of funding earning assets | 0.5213% | 3,383 |
| Net interest margin | 3.1588% | 5,130 |
| Noninterest income to average assets | 0.5271% | 3,574 |
| Noninterest expense to average assets | 2.9358% | 3,251 |
| Loan and lease loss provision to assets | 0.2531% | 1,426 |
| Net operating income to assets | 0.2044% | 5,808 |
| Return on assets (ROA) | 0.2146% | 5,845 |
| Pretax return on assets | 0.3522% | 5,602 |
| Return on Equity (ROE) | 2.1128% | 5,803 |
| Retained earnings to average equity (ytd only) | 2.1128% | 4,738 |
| Net charge-offs to loans | 0.2770% | 2,316 |
| Credit loss provision to net charge-offs | 126.6134% | 1,866 |
| Earnings coverage of net charge-offs (x) | 2.9480% | 4,012 |
| Efficiency ratio | 83.2831% | 1,716 |
| Assets per employee ($millions) | 6.2829% | 1,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1621% | 4,852 |
| Loan loss allowance to noncurrent loans | 144.4021% | 2,755 |
| Noncurrent assets plus other real estate owned to assets | 0.8032% | 3,874 |
| Noncurrent loans to loans | 0.8047% | 3,965 |
| Net loans and leases to total assets | 71.8207% | 1,713 |
| Net loans and leases to deposits | 82.1791% | 2,163 |
| Net loans and leases to core deposits | 96.1315% | 1,450 |
| Total domestic deposits to total assets | 87.3954% | 2,526 |
| Equity capital to assets | 9.8872% | 3,918 |
| Core capital (leverage) ratio | 9.0372% | 4,942 |
| Tier 1 risk-based capital ratio | 11.2119% | 6,073 |
| Total risk-based capital ratio | 12.3108% | 6,087 |
| Memoranda: | ||
| Average total assets | $875,968,200 | 755 |
| Average earning assets | $831,404,200 | 718 |
| Average equity | $88,981,200 | 792 |
| Average total loans | $632,120,000 | 663 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6933% | 5,184 |
| Cost of funding earning assets | 0.5350% | 3,419 |
| Net interest margin | 3.1582% | 5,118 |
| Noninterest income to average assets | 0.5548% | 3,422 |
| Noninterest expense to average assets | 3.0216% | 2,915 |
| Loan and lease loss provision to assets | 0.0937% | 3,202 |
| Net operating income to assets | 0.2672% | 5,729 |
| Return on assets (ROA) | 0.2704% | 5,817 |
| Pretax return on assets | 0.4413% | 5,520 |
| Return on Equity (ROE) | 2.6429% | 5,738 |
| Retained earnings to average equity (ytd only) | 2.6429% | 4,744 |
| Net charge-offs to loans | -0.0078% | 5,845 |
| Credit loss provision to net charge-offs | -1,677.7778% | 6,254 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0808% | 1,458 |
| Assets per employee ($millions) | 6.0660% | 1,194 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 4,546 |
| Loan loss allowance to noncurrent loans | 134.2357% | 2,765 |
| Noncurrent assets plus other real estate owned to assets | 0.9160% | 3,845 |
| Noncurrent loans to loans | 0.9452% | 3,927 |
| Net loans and leases to total assets | 70.0085% | 1,965 |
| Net loans and leases to deposits | 79.6078% | 2,465 |
| Net loans and leases to core deposits | 92.3313% | 1,743 |
| Total domestic deposits to total assets | 87.9418% | 2,167 |
| Equity capital to assets | 9.7362% | 4,257 |
| Core capital (leverage) ratio | 8.7074% | 5,530 |
| Tier 1 risk-based capital ratio | 11.0199% | 6,274 |
| Total risk-based capital ratio | 12.2010% | 6,266 |
| Memoranda: | ||
| Average total assets | $859,350,750 | 773 |
| Average earning assets | $815,374,000 | 738 |
| Average equity | $87,931,250 | 805 |
| Average total loans | $618,944,000 | 676 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7298% | 5,051 |
| Cost of funding earning assets | 0.5517% | 3,393 |
| Net interest margin | 3.1781% | 5,017 |
| Noninterest income to average assets | 0.5897% | 3,254 |
| Noninterest expense to average assets | 3.0438% | 2,861 |
| Loan and lease loss provision to assets | 0.0732% | 3,577 |
| Net operating income to assets | 0.2981% | 5,606 |
| Return on assets (ROA) | 0.3031% | 5,747 |
| Pretax return on assets | 0.4942% | 5,401 |
| Return on Equity (ROE) | 2.9121% | 5,655 |
| Retained earnings to average equity (ytd only) | 2.9121% | 4,458 |
| Net charge-offs to loans | -0.0147% | 5,869 |
| Credit loss provision to net charge-offs | -686.6667% | 5,973 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4703% | 1,583 |
| Assets per employee ($millions) | 6.1033% | 1,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 4,814 |
| Loan loss allowance to noncurrent loans | 135.9321% | 2,722 |
| Noncurrent assets plus other real estate owned to assets | 0.8971% | 3,994 |
| Noncurrent loans to loans | 0.9082% | 4,110 |
| Net loans and leases to total assets | 71.9214% | 1,588 |
| Net loans and leases to deposits | 83.4977% | 1,867 |
| Net loans and leases to core deposits | 95.1630% | 1,427 |
| Total domestic deposits to total assets | 86.1358% | 3,293 |
| Equity capital to assets | 10.0681% | 3,832 |
| Core capital (leverage) ratio | 8.9102% | 5,128 |
| Tier 1 risk-based capital ratio | 11.2144% | 6,236 |
| Total risk-based capital ratio | 12.3873% | 6,252 |
| Memoranda: | ||
| Average total assets | $844,523,330 | 787 |
| Average earning assets | $800,850,330 | 757 |
| Average equity | $87,908,670 | 810 |
| Average total loans | $611,628,000 | 681 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7712% | 4,915 |
| Cost of funding earning assets | 0.5696% | 3,387 |
| Net interest margin | 3.2016% | 4,933 |
| Noninterest income to average assets | 0.5520% | 3,424 |
| Noninterest expense to average assets | 3.0222% | 2,915 |
| Loan and lease loss provision to assets | 0.0910% | 3,144 |
| Net operating income to assets | 0.2817% | 5,625 |
| Return on assets (ROA) | 0.2919% | 5,717 |
| Pretax return on assets | 0.4899% | 5,296 |
| Return on Equity (ROE) | 2.7568% | 5,685 |
| Retained earnings to average equity (ytd only) | 2.7568% | 4,634 |
| Net charge-offs to loans | 0.1874% | 2,284 |
| Credit loss provision to net charge-offs | 67.2598% | 2,333 |
| Earnings coverage of net charge-offs (x) | 4.1744% | 2,606 |
| Efficiency ratio | 84.2487% | 1,731 |
| Assets per employee ($millions) | 6.1414% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2333% | 5,034 |
| Loan loss allowance to noncurrent loans | 94.0758% | 3,524 |
| Noncurrent assets plus other real estate owned to assets | 1.1653% | 3,619 |
| Noncurrent loans to loans | 1.3109% | 3,596 |
| Net loans and leases to total assets | 69.9249% | 1,673 |
| Net loans and leases to deposits | 79.5493% | 2,142 |
| Net loans and leases to core deposits | 92.6530% | 1,442 |
| Total domestic deposits to total assets | 87.9014% | 2,383 |
| Equity capital to assets | 10.4046% | 3,664 |
| Core capital (leverage) ratio | 9.0683% | 4,775 |
| Tier 1 risk-based capital ratio | 11.5972% | 6,132 |
| Total risk-based capital ratio | 12.7593% | 6,151 |
| Memoranda: | ||
| Average total assets | $830,395,500 | 809 |
| Average earning assets | $787,239,000 | 778 |
| Average equity | $87,927,000 | 815 |
| Average total loans | $599,661,500 | 690 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1093% | 4,916 |
| Cost of funding earning assets | 0.7206% | 3,321 |
| Net interest margin | 3.3886% | 4,924 |
| Noninterest income to average assets | 0.5242% | 3,753 |
| Noninterest expense to average assets | 3.3461% | 2,198 |
| Loan and lease loss provision to assets | 0.3143% | 2,178 |
| Net operating income to assets | 0.0295% | 6,122 |
| Return on assets (ROA) | 0.2445% | 5,850 |
| Pretax return on assets | 0.4028% | 5,571 |
| Return on Equity (ROE) | 2.1789% | 5,851 |
| Retained earnings to average equity (ytd only) | 2.1789% | 4,699 |
| Net charge-offs to loans | 0.2827% | 3,247 |
| Credit loss provision to net charge-offs | 153.7389% | 1,759 |
| Earnings coverage of net charge-offs (x) | 1.8644% | 4,499 |
| Efficiency ratio | 89.7741% | 1,089 |
| Assets per employee ($millions) | 6.0692% | 1,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2501% | 4,871 |
| Loan loss allowance to noncurrent loans | 91.0660% | 3,575 |
| Noncurrent assets plus other real estate owned to assets | 1.2587% | 3,542 |
| Noncurrent loans to loans | 1.3728% | 3,539 |
| Net loans and leases to total assets | 72.7683% | 1,378 |
| Net loans and leases to deposits | 83.7873% | 1,779 |
| Net loans and leases to core deposits | 97.2776% | 1,200 |
| Total domestic deposits to total assets | 86.8488% | 2,914 |
| Equity capital to assets | 10.7803% | 3,192 |
| Core capital (leverage) ratio | 9.3003% | 4,417 |
| Tier 1 risk-based capital ratio | 11.4507% | 6,136 |
| Total risk-based capital ratio | 12.6302% | 6,144 |
| Memoranda: | ||
| Average total assets | $771,888,400 | 860 |
| Average earning assets | $729,619,400 | 821 |
| Average equity | $86,603,000 | 799 |
| Average total loans | $558,148,800 | 746 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1434% | 5,027 |
| Cost of funding earning assets | 0.7604% | 3,271 |
| Net interest margin | 3.3830% | 5,085 |
| Noninterest income to average assets | 0.5130% | 3,840 |
| Noninterest expense to average assets | 3.4872% | 1,790 |
| Loan and lease loss provision to assets | 0.2929% | 2,243 |
| Net operating income to assets | -0.0573% | 6,352 |
| Return on assets (ROA) | 0.2239% | 6,030 |
| Pretax return on assets | 0.3682% | 5,793 |
| Return on Equity (ROE) | 1.9752% | 6,026 |
| Retained earnings to average equity (ytd only) | 1.9752% | 5,334 |
| Net charge-offs to loans | 0.2278% | 3,353 |
| Credit loss provision to net charge-offs | 178.7393% | 1,560 |
| Earnings coverage of net charge-offs (x) | 1.3526% | 4,621 |
| Efficiency ratio | 94.0238% | 772 |
| Assets per employee ($millions) | 5.9717% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2833% | 4,891 |
| Loan loss allowance to noncurrent loans | 92.0095% | 3,471 |
| Noncurrent assets plus other real estate owned to assets | 1.3634% | 3,572 |
| Noncurrent loans to loans | 1.3947% | 3,711 |
| Net loans and leases to total assets | 73.1387% | 1,368 |
| Net loans and leases to deposits | 86.0734% | 1,592 |
| Net loans and leases to core deposits | 102.9840% | 934 |
| Total domestic deposits to total assets | 84.9725% | 3,754 |
| Equity capital to assets | 11.2094% | 3,025 |
| Core capital (leverage) ratio | 9.4254% | 4,380 |
| Tier 1 risk-based capital ratio | 11.5192% | 6,217 |
| Total risk-based capital ratio | 12.7139% | 6,217 |
| Memoranda: | ||
| Average total assets | $761,542,500 | 882 |
| Average earning assets | $719,421,000 | 838 |
| Average equity | $86,335,500 | 807 |
| Average total loans | $547,862,000 | 760 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1571% | 5,100 |
| Cost of funding earning assets | 0.8010% | 3,183 |
| Net interest margin | 3.3561% | 5,246 |
| Noninterest income to average assets | 0.5453% | 3,613 |
| Noninterest expense to average assets | 3.7403% | 1,309 |
| Loan and lease loss provision to assets | 0.2823% | 2,321 |
| Net operating income to assets | -0.2065% | 6,551 |
| Return on assets (ROA) | 0.2183% | 6,050 |
| Pretax return on assets | 0.3574% | 5,807 |
| Return on Equity (ROE) | 1.9185% | 6,066 |
| Retained earnings to average equity (ytd only) | 1.9185% | 5,240 |
| Net charge-offs to loans | 0.2446% | 3,102 |
| Credit loss provision to net charge-offs | 162.0637% | 1,723 |
| Earnings coverage of net charge-offs (x) | -0.1381% | 5,141 |
| Efficiency ratio | 100.6473% | 537 |
| Assets per employee ($millions) | 5.9081% | 1,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2707% | 5,034 |
| Loan loss allowance to noncurrent loans | 82.4430% | 3,702 |
| Noncurrent assets plus other real estate owned to assets | 1.5052% | 3,442 |
| Noncurrent loans to loans | 1.5413% | 3,595 |
| Net loans and leases to total assets | 72.4645% | 1,476 |
| Net loans and leases to deposits | 84.0776% | 1,846 |
| Net loans and leases to core deposits | 101.1436% | 1,031 |
| Total domestic deposits to total assets | 86.1876% | 3,259 |
| Equity capital to assets | 11.4136% | 2,676 |
| Core capital (leverage) ratio | 9.6878% | 3,854 |
| Tier 1 risk-based capital ratio | 11.8820% | 6,005 |
| Total risk-based capital ratio | 13.0726% | 6,014 |
| Memoranda: | ||
| Average total assets | $756,616,000 | 884 |
| Average earning assets | $714,875,330 | 843 |
| Average equity | $86,107,000 | 802 |
| Average total loans | $538,758,330 | 774 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1566% | 5,255 |
| Cost of funding earning assets | 0.8723% | 2,893 |
| Net interest margin | 3.2843% | 5,516 |
| Noninterest income to average assets | 0.6025% | 3,220 |
| Noninterest expense to average assets | 3.0349% | 3,134 |
| Loan and lease loss provision to assets | 0.4006% | 1,576 |
| Net operating income to assets | 0.1660% | 6,073 |
| Return on assets (ROA) | 0.2178% | 6,075 |
| Pretax return on assets | 0.3541% | 5,846 |
| Return on Equity (ROE) | 1.9162% | 6,098 |
| Retained earnings to average equity (ytd only) | 1.9162% | 5,294 |
| Net charge-offs to loans | 0.3415% | 2,285 |
| Credit loss provision to net charge-offs | 167.3289% | 1,522 |
| Earnings coverage of net charge-offs (x) | 2.8146% | 3,056 |
| Efficiency ratio | 81.8298% | 1,956 |
| Assets per employee ($millions) | 6.0894% | 1,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2951% | 5,045 |
| Loan loss allowance to noncurrent loans | 65.9486% | 4,215 |
| Noncurrent assets plus other real estate owned to assets | 1.7826% | 3,195 |
| Noncurrent loans to loans | 1.9638% | 3,206 |
| Net loans and leases to total assets | 69.5790% | 1,826 |
| Net loans and leases to deposits | 84.5248% | 1,593 |
| Net loans and leases to core deposits | 104.2007% | 760 |
| Total domestic deposits to total assets | 82.3179% | 5,190 |
| Equity capital to assets | 11.3206% | 2,609 |
| Core capital (leverage) ratio | 9.3899% | 4,207 |
| Tier 1 risk-based capital ratio | 11.8769% | 6,039 |
| Total risk-based capital ratio | 13.0615% | 6,059 |
| Memoranda: | ||
| Average total assets | $756,806,500 | 885 |
| Average earning assets | $715,769,500 | 838 |
| Average equity | $86,003,500 | 801 |
| Average total loans | $530,610,000 | 787 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1250% | 6,228 |
| Cost of funding earning assets | 1.1446% | 2,382 |
| Net interest margin | 2.9804% | 6,561 |
| Noninterest income to average assets | 0.3985% | 4,626 |
| Noninterest expense to average assets | 3.0632% | 3,343 |
| Loan and lease loss provision to assets | 0.3617% | 2,837 |
| Net operating income to assets | -0.1493% | 6,206 |
| Return on assets (ROA) | -0.1193% | 6,254 |
| Pretax return on assets | -0.1749% | 6,269 |
| Return on Equity (ROE) | -1.0706% | 6,250 |
| Retained earnings to average equity (ytd only) | -1.0706% | 6,017 |
| Net charge-offs to loans | 1.2044% | 1,392 |
| Credit loss provision to net charge-offs | 44.3594% | 5,545 |
| Earnings coverage of net charge-offs (x) | 0.1750% | 5,703 |
| Efficiency ratio | 95.5477% | 846 |
| Assets per employee ($millions) | 5.9247% | 1,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2664% | 5,084 |
| Loan loss allowance to noncurrent loans | 61.4559% | 4,436 |
| Noncurrent assets plus other real estate owned to assets | 1.8636% | 3,166 |
| Noncurrent loans to loans | 2.0606% | 3,122 |
| Net loans and leases to total assets | 68.8441% | 2,239 |
| Net loans and leases to deposits | 83.2559% | 2,030 |
| Net loans and leases to core deposits | 104.4077% | 877 |
| Total domestic deposits to total assets | 82.6897% | 4,885 |
| Equity capital to assets | 11.4079% | 2,588 |
| Core capital (leverage) ratio | 9.5883% | 3,892 |
| Tier 1 risk-based capital ratio | 11.9221% | 5,878 |
| Total risk-based capital ratio | 13.0705% | 5,928 |
| Memoranda: | ||
| Average total assets | $736,995,200 | 888 |
| Average earning assets | $694,227,400 | 866 |
| Average equity | $82,104,400 | 815 |
| Average total loans | $498,991,200 | 838 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1185% | 6,369 |
| Cost of funding earning assets | 1.2089% | 2,266 |
| Net interest margin | 2.9096% | 6,735 |
| Noninterest income to average assets | 0.3752% | 4,866 |
| Noninterest expense to average assets | 3.1140% | 3,106 |
| Loan and lease loss provision to assets | 0.3790% | 2,587 |
| Net operating income to assets | -0.2494% | 6,438 |
| Return on assets (ROA) | -0.2111% | 6,476 |
| Pretax return on assets | -0.3215% | 6,514 |
| Return on Equity (ROE) | -1.9070% | 6,472 |
| Retained earnings to average equity (ytd only) | -1.9070% | 6,284 |
| Net charge-offs to loans | 1.4040% | 1,065 |
| Credit loss provision to net charge-offs | 40.1774% | 5,237 |
| Earnings coverage of net charge-offs (x) | -0.0006% | 5,603 |
| Efficiency ratio | 100.0175% | 657 |
| Assets per employee ($millions) | 5.9017% | 1,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3187% | 4,923 |
| Loan loss allowance to noncurrent loans | 65.9420% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 1.8187% | 3,369 |
| Noncurrent loans to loans | 1.9997% | 3,366 |
| Net loans and leases to total assets | 69.8422% | 2,108 |
| Net loans and leases to deposits | 85.2715% | 1,792 |
| Net loans and leases to core deposits | 110.7130% | 645 |
| Total domestic deposits to total assets | 81.9057% | 5,131 |
| Equity capital to assets | 11.6286% | 2,558 |
| Core capital (leverage) ratio | 9.5515% | 4,079 |
| Tier 1 risk-based capital ratio | 11.9615% | 5,920 |
| Total risk-based capital ratio | 13.1664% | 5,933 |
| Memoranda: | ||
| Average total assets | $733,136,000 | 899 |
| Average earning assets | $689,971,750 | 875 |
| Average equity | $81,171,250 | 829 |
| Average total loans | $492,576,750 | 863 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0591% | 6,555 |
| Cost of funding earning assets | 1.2422% | 2,305 |
| Net interest margin | 2.8169% | 6,902 |
| Noninterest income to average assets | 0.3658% | 4,951 |
| Noninterest expense to average assets | 3.1273% | 3,152 |
| Loan and lease loss provision to assets | 0.4494% | 2,173 |
| Net operating income to assets | -0.3581% | 6,585 |
| Return on assets (ROA) | -0.3455% | 6,608 |
| Pretax return on assets | -0.5369% | 6,679 |
| Return on Equity (ROE) | -3.1746% | 6,605 |
| Retained earnings to average equity (ytd only) | -3.1746% | 6,396 |
| Net charge-offs to loans | 0.8933% | 1,740 |
| Credit loss provision to net charge-offs | 76.2523% | 3,880 |
| Earnings coverage of net charge-offs (x) | -0.1818% | 5,394 |
| Efficiency ratio | 103.5482% | 623 |
| Assets per employee ($millions) | 5.9869% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8924% | 2,690 |
| Loan loss allowance to noncurrent loans | 73.6343% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 2.1234% | 3,081 |
| Noncurrent loans to loans | 2.5700% | 2,807 |
| Net loans and leases to total assets | 67.8143% | 2,656 |
| Net loans and leases to deposits | 83.0538% | 2,266 |
| Net loans and leases to core deposits | 113.3029% | 601 |
| Total domestic deposits to total assets | 81.6510% | 5,295 |
| Equity capital to assets | 11.5983% | 2,414 |
| Core capital (leverage) ratio | 9.7667% | 3,570 |
| Tier 1 risk-based capital ratio | 12.1708% | 5,641 |
| Total risk-based capital ratio | 13.4263% | 5,617 |
| Memoranda: | ||
| Average total assets | $731,610,000 | 908 |
| Average earning assets | $689,410,330 | 883 |
| Average equity | $79,633,000 | 846 |
| Average total loans | $482,728,670 | 894 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7858% | 6,963 |
| Cost of funding earning assets | 1.2960% | 2,202 |
| Net interest margin | 2.4898% | 7,203 |
| Noninterest income to average assets | 0.3553% | 5,058 |
| Noninterest expense to average assets | 3.0761% | 3,356 |
| Loan and lease loss provision to assets | 0.3330% | 2,567 |
| Net operating income to assets | -0.4514% | 6,776 |
| Return on assets (ROA) | -0.4211% | 6,763 |
| Pretax return on assets | -0.6589% | 6,850 |
| Return on Equity (ROE) | -3.9979% | 6,737 |
| Retained earnings to average equity (ytd only) | -3.9979% | 6,410 |
| Net charge-offs to loans | 1.2632% | 1,096 |
| Credit loss provision to net charge-offs | 40.9091% | 3,927 |
| Earnings coverage of net charge-offs (x) | -0.4586% | 4,777 |
| Efficiency ratio | 113.8084% | 429 |
| Assets per employee ($millions) | 5.9704% | 1,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9138% | 2,643 |
| Loan loss allowance to noncurrent loans | 76.0632% | 3,674 |
| Noncurrent assets plus other real estate owned to assets | 2.0230% | 3,293 |
| Noncurrent loans to loans | 2.5160% | 2,969 |
| Net loans and leases to total assets | 66.2316% | 2,948 |
| Net loans and leases to deposits | 80.5642% | 2,600 |
| Net loans and leases to core deposits | 115.0799% | 560 |
| Total domestic deposits to total assets | 82.2097% | 5,222 |
| Equity capital to assets | 10.9452% | 2,744 |
| Core capital (leverage) ratio | 8.8993% | 4,775 |
| Tier 1 risk-based capital ratio | 11.8351% | 5,829 |
| Total risk-based capital ratio | 13.0909% | 5,829 |
| Memoranda: | ||
| Average total assets | $735,209,500 | 909 |
| Average earning assets | $693,229,500 | 884 |
| Average equity | $77,440,000 | 866 |
| Average total loans | $473,728,000 | 921 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1177% | 7,026 |
| Cost of funding earning assets | 1.5430% | 2,389 |
| Net interest margin | 2.5746% | 7,227 |
| Noninterest income to average assets | 0.3405% | 5,356 |
| Noninterest expense to average assets | 3.1455% | 3,294 |
| Loan and lease loss provision to assets | 0.7592% | 2,159 |
| Net operating income to assets | -0.7191% | 6,531 |
| Return on assets (ROA) | -0.6944% | 6,549 |
| Pretax return on assets | -1.0949% | 6,691 |
| Return on Equity (ROE) | -7.3430% | 6,573 |
| Retained earnings to average equity (ytd only) | -7.3430% | 6,481 |
| Net charge-offs to loans | 1.1180% | 1,990 |
| Credit loss provision to net charge-offs | 116.7442% | 3,672 |
| Earnings coverage of net charge-offs (x) | -0.5758% | 6,485 |
| Efficiency ratio | 113.5113% | 480 |
| Assets per employee ($millions) | 6.5463% | 928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1172% | 2,031 |
| Loan loss allowance to noncurrent loans | 70.2984% | 3,912 |
| Noncurrent assets plus other real estate owned to assets | 2.0955% | 3,229 |
| Noncurrent loans to loans | 3.0118% | 2,538 |
| Net loans and leases to total assets | 60.2886% | 4,630 |
| Net loans and leases to deposits | 72.2708% | 4,471 |
| Net loans and leases to core deposits | 130.1465% | 330 |
| Total domestic deposits to total assets | 83.4205% | 4,639 |
| Equity capital to assets | 10.1540% | 3,554 |
| Core capital (leverage) ratio | 8.6347% | 5,137 |
| Tier 1 risk-based capital ratio | 12.0093% | 5,464 |
| Total risk-based capital ratio | 13.2669% | 5,440 |
| Memoranda: | ||
| Average total assets | $793,505,800 | 851 |
| Average earning assets | $749,113,000 | 815 |
| Average equity | $75,037,800 | 879 |
| Average total loans | $461,534,800 | 977 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1565% | 7,145 |
| Cost of funding earning assets | 1.5990% | 2,391 |
| Net interest margin | 2.5575% | 7,339 |
| Noninterest income to average assets | 0.2545% | 6,081 |
| Noninterest expense to average assets | 3.1893% | 2,960 |
| Loan and lease loss provision to assets | 0.6520% | 2,340 |
| Net operating income to assets | -0.7448% | 6,761 |
| Return on assets (ROA) | -0.7073% | 6,783 |
| Pretax return on assets | -1.1152% | 6,902 |
| Return on Equity (ROE) | -7.6138% | 6,818 |
| Retained earnings to average equity (ytd only) | -7.6138% | 6,747 |
| Net charge-offs to loans | 1.3278% | 1,534 |
| Credit loss provision to net charge-offs | 85.6268% | 4,936 |
| Earnings coverage of net charge-offs (x) | -0.6854% | 6,386 |
| Efficiency ratio | 119.5654% | 401 |
| Assets per employee ($millions) | 6.1878% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7810% | 2,846 |
| Loan loss allowance to noncurrent loans | 64.8464% | 4,061 |
| Noncurrent assets plus other real estate owned to assets | 1.9754% | 3,499 |
| Noncurrent loans to loans | 2.7464% | 2,892 |
| Net loans and leases to total assets | 62.3669% | 4,457 |
| Net loans and leases to deposits | 77.0757% | 3,994 |
| Net loans and leases to core deposits | 142.5876% | 234 |
| Total domestic deposits to total assets | 80.9165% | 5,405 |
| Equity capital to assets | 10.0418% | 4,107 |
| Core capital (leverage) ratio | 8.0220% | 6,320 |
| Tier 1 risk-based capital ratio | 11.4415% | 5,982 |
| Total risk-based capital ratio | 12.6691% | 5,989 |
| Memoranda: | ||
| Average total assets | $800,403,000 | 848 |
| Average earning assets | $755,133,250 | 810 |
| Average equity | $74,354,500 | 887 |
| Average total loans | $458,981,250 | 993 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2451% | 7,121 |
| Cost of funding earning assets | 1.6489% | 2,395 |
| Net interest margin | 2.5961% | 7,351 |
| Noninterest income to average assets | 0.2779% | 5,930 |
| Noninterest expense to average assets | 3.0146% | 3,659 |
| Loan and lease loss provision to assets | 0.1962% | 4,907 |
| Net operating income to assets | -0.3149% | 6,491 |
| Return on assets (ROA) | -0.2933% | 6,513 |
| Pretax return on assets | -0.4491% | 6,551 |
| Return on Equity (ROE) | -3.2371% | 6,539 |
| Retained earnings to average equity (ytd only) | -3.2371% | 6,330 |
| Net charge-offs to loans | 0.0101% | 6,209 |
| Credit loss provision to net charge-offs | 3,486.9565% | 114 |
| Earnings coverage of net charge-offs (x) | -50.8696% | 6,356 |
| Efficiency ratio | 110.4895% | 542 |
| Assets per employee ($millions) | 6.1314% | 1,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2794% | 1,625 |
| Loan loss allowance to noncurrent loans | 78.0809% | 3,474 |
| Noncurrent assets plus other real estate owned to assets | 1.9486% | 3,554 |
| Noncurrent loans to loans | 2.9193% | 2,739 |
| Net loans and leases to total assets | 52.4568% | 6,164 |
| Net loans and leases to deposits | 62.7236% | 6,166 |
| Net loans and leases to core deposits | 126.6210% | 496 |
| Total domestic deposits to total assets | 83.6316% | 4,278 |
| Equity capital to assets | 9.4922% | 4,710 |
| Core capital (leverage) ratio | 8.0981% | 6,120 |
| Tier 1 risk-based capital ratio | 13.5601% | 4,035 |
| Total risk-based capital ratio | 14.8202% | 3,994 |
| Memoranda: | ||
| Average total assets | $817,631,000 | 835 |
| Average earning assets | $771,769,330 | 797 |
| Average equity | $74,077,670 | 889 |
| Average total loans | $453,501,670 | 1,004 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4544% | 6,885 |
| Cost of funding earning assets | 1.6643% | 2,572 |
| Net interest margin | 2.7902% | 7,192 |
| Noninterest income to average assets | 0.2443% | 6,200 |
| Noninterest expense to average assets | 3.0772% | 3,357 |
| Loan and lease loss provision to assets | 0.1412% | 5,137 |
| Net operating income to assets | -0.2254% | 6,577 |
| Return on assets (ROA) | -0.2273% | 6,647 |
| Pretax return on assets | -0.3461% | 6,681 |
| Return on Equity (ROE) | -2.5693% | 6,707 |
| Retained earnings to average equity (ytd only) | -2.5693% | 6,306 |
| Net charge-offs to loans | 0.0095% | 5,460 |
| Credit loss provision to net charge-offs | 2,636.3636% | 193 |
| Earnings coverage of net charge-offs (x) | -37.7273% | 5,592 |
| Efficiency ratio | 107.0256% | 656 |
| Assets per employee ($millions) | 6.1689% | 1,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0459% | 2,070 |
| Loan loss allowance to noncurrent loans | 78.5482% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 1.4949% | 4,264 |
| Noncurrent loans to loans | 2.6046% | 3,061 |
| Net loans and leases to total assets | 55.7105% | 5,790 |
| Net loans and leases to deposits | 65.3623% | 5,893 |
| Net loans and leases to core deposits | 141.2555% | 314 |
| Total domestic deposits to total assets | 85.2333% | 3,551 |
| Equity capital to assets | 9.1442% | 5,074 |
| Core capital (leverage) ratio | 8.1913% | 5,917 |
| Tier 1 risk-based capital ratio | 13.5878% | 3,933 |
| Total risk-based capital ratio | 14.8463% | 3,892 |
| Memoranda: | ||
| Average total assets | $821,776,000 | 840 |
| Average earning assets | $774,868,500 | 808 |
| Average equity | $72,704,500 | 912 |
| Average total loans | $463,024,000 | 1,018 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5016% | 7,383 |
| Cost of funding earning assets | 1.7915% | 4,036 |
| Net interest margin | 2.7101% | 7,200 |
| Noninterest income to average assets | -0.0353% | 7,756 |
| Noninterest expense to average assets | 3.8479% | 1,607 |
| Loan and lease loss provision to assets | 1.0883% | 2,099 |
| Net operating income to assets | -1.5121% | 6,862 |
| Return on assets (ROA) | -1.5321% | 6,881 |
| Pretax return on assets | -2.4321% | 7,125 |
| Return on Equity (ROE) | -18.8212% | 7,101 |
| Retained earnings to average equity (ytd only) | -19.3136% | 7,082 |
| Net charge-offs to loans | 0.0322% | 6,804 |
| Credit loss provision to net charge-offs | 5,824.7863% | 63 |
| Earnings coverage of net charge-offs (x) | -70.2479% | 7,219 |
| Efficiency ratio | 151.7667% | 306 |
| Assets per employee ($millions) | 6.6304% | 927 |
| Cash dividends to net income (ytd only)* | -2.6162% | 7,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9561% | 2,125 |
| Loan loss allowance to noncurrent loans | 84.5598% | 3,276 |
| Noncurrent assets plus other real estate owned to assets | 1.3047% | 4,477 |
| Noncurrent loans to loans | 2.3133% | 3,273 |
| Net loans and leases to total assets | 54.7398% | 6,118 |
| Net loans and leases to deposits | 63.8681% | 6,282 |
| Net loans and leases to core deposits | 171.2347% | 226 |
| Total domestic deposits to total assets | 85.7075% | 3,158 |
| Equity capital to assets | 8.5600% | 5,791 |
| Core capital (leverage) ratio | 8.2208% | 5,775 |
| Tier 1 risk-based capital ratio | 12.9941% | 4,149 |
| Total risk-based capital ratio | 14.2510% | 4,089 |
| Memoranda: | ||
| Average total assets | $626,204,800 | 1,108 |
| Average earning assets | $594,011,000 | 1,056 |
| Average equity | $50,974,400 | 1,311 |
| Average total loans | $363,065,800 | 1,325 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5037% | 7,501 |
| Cost of funding earning assets | 1.7674% | 4,539 |
| Net interest margin | 2.7363% | 7,155 |
| Noninterest income to average assets | -0.1347% | 7,946 |
| Noninterest expense to average assets | 4.0073% | 1,265 |
| Loan and lease loss provision to assets | 1.0694% | 1,815 |
| Net operating income to assets | -1.6465% | 7,174 |
| Return on assets (ROA) | -1.6832% | 7,184 |
| Pretax return on assets | -2.6733% | 7,412 |
| Return on Equity (ROE) | -21.0729% | 7,409 |
| Retained earnings to average equity (ytd only) | -21.5790% | 7,397 |
| Net charge-offs to loans | 0.0320% | 6,442 |
| Credit loss provision to net charge-offs | 5,682.7160% | 69 |
| Earnings coverage of net charge-offs (x) | -82.1831% | 6,970 |
| Efficiency ratio | 162.8493% | 260 |
| Assets per employee ($millions) | 6.3851% | 1,042 |
| Cash dividends to net income (ytd only)* | -2.4016% | 7,654 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5428% | 3,219 |
| Loan loss allowance to noncurrent loans | 79.3876% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.0676% | 4,941 |
| Noncurrent loans to loans | 1.9434% | 3,715 |
| Net loans and leases to total assets | 53.4175% | 6,450 |
| Net loans and leases to deposits | 59.7479% | 6,846 |
| Net loans and leases to core deposits | 121.4181% | 2,127 |
| Total domestic deposits to total assets | 89.4048% | 1,015 |
| Equity capital to assets | 5.1345% | 7,940 |
| Core capital (leverage) ratio | 4.7639% | 7,939 |
| Tier 1 risk-based capital ratio | 6.9859% | 7,895 |
| Total risk-based capital ratio | 8.2391% | 7,899 |
| Memoranda: | ||
| Average total assets | $573,898,250 | 1,218 |
| Average earning assets | $544,369,000 | 1,173 |
| Average equity | $45,839,750 | 1,495 |
| Average total loans | $337,223,000 | 1,449 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6003% | 7,534 |
| Cost of funding earning assets | 1.8925% | 4,303 |
| Net interest margin | 2.7078% | 7,180 |
| Noninterest income to average assets | 0.4503% | 4,845 |
| Noninterest expense to average assets | 4.7573% | 612 |
| Loan and lease loss provision to assets | 0.6403% | 2,510 |
| Net operating income to assets | -1.5105% | 7,250 |
| Return on assets (ROA) | -1.5254% | 7,264 |
| Pretax return on assets | -2.4155% | 7,400 |
| Return on Equity (ROE) | -15.8846% | 7,376 |
| Retained earnings to average equity (ytd only) | -16.2939% | 7,315 |
| Net charge-offs to loans | 0.0434% | 5,858 |
| Credit loss provision to net charge-offs | 2,406.1538% | 219 |
| Earnings coverage of net charge-offs (x) | -65.8308% | 6,605 |
| Efficiency ratio | 158.2891% | 335 |
| Assets per employee ($millions) | 4.5947% | 2,617 |
| Cash dividends to net income (ytd only)* | -2.5765% | 7,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 6,118 |
| Loan loss allowance to noncurrent loans | 119.7742% | 2,465 |
| Noncurrent assets plus other real estate owned to assets | 0.7154% | 5,617 |
| Noncurrent loans to loans | 0.8472% | 5,526 |
| Net loans and leases to total assets | 62.6531% | 5,242 |
| Net loans and leases to deposits | 74.3517% | 5,405 |
| Net loans and leases to core deposits | 156.8236% | 498 |
| Total domestic deposits to total assets | 84.2658% | 3,618 |
| Equity capital to assets | 7.4195% | 7,338 |
| Core capital (leverage) ratio | 7.1698% | 7,389 |
| Tier 1 risk-based capital ratio | 9.1482% | 7,617 |
| Total risk-based capital ratio | 10.1084% | 7,804 |
| Memoranda: | ||
| Average total assets | $488,511,670 | 1,448 |
| Average earning assets | $460,971,670 | 1,402 |
| Average equity | $46,913,330 | 1,470 |
| Average total loans | $299,516,000 | 1,653 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6696% | 7,550 |
| Cost of funding earning assets | 1.9313% | 4,480 |
| Net interest margin | 2.7383% | 7,125 |
| Noninterest income to average assets | 0.4625% | 4,656 |
| Noninterest expense to average assets | 5.1449% | 435 |
| Loan and lease loss provision to assets | 0.8520% | 1,531 |
| Net operating income to assets | -1.8615% | 7,618 |
| Return on assets (ROA) | -1.7321% | 7,584 |
| Pretax return on assets | -2.7555% | 7,710 |
| Return on Equity (ROE) | -15.5136% | 7,626 |
| Retained earnings to average equity (ytd only) | -15.6730% | 7,473 |
| Net charge-offs to loans | 0.0219% | 5,250 |
| Credit loss provision to net charge-offs | 6,500.0000% | 109 |
| Earnings coverage of net charge-offs (x) | -160.6429% | 5,718 |
| Efficiency ratio | 169.2853% | 277 |
| Assets per employee ($millions) | 3.5301% | 4,752 |
| Cash dividends to net income (ytd only)* | -1.0270% | 8,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 5,383 |
| Loan loss allowance to noncurrent loans | 99.7598% | 3,076 |
| Noncurrent assets plus other real estate owned to assets | 0.6836% | 5,446 |
| Noncurrent loans to loans | 1.1148% | 4,751 |
| Net loans and leases to total assets | 60.6347% | 5,557 |
| Net loans and leases to deposits | 78.1116% | 4,905 |
| Net loans and leases to core deposits | 132.4922% | 1,505 |
| Total domestic deposits to total assets | 77.6258% | 6,123 |
| Equity capital to assets | 10.1652% | 3,805 |
| Core capital (leverage) ratio | 10.2759% | 3,134 |
| Tier 1 risk-based capital ratio | 11.7799% | 5,147 |
| Total risk-based capital ratio | 12.7173% | 5,343 |
| Memoranda: | ||
| Average total assets | $427,223,000 | 1,668 |
| Average earning assets | $402,008,000 | 1,624 |
| Average equity | $47,700,000 | 1,442 |
| Average total loans | $255,878,500 | 1,926 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0131% | 7,828 |
| Cost of funding earning assets | 2.3280% | 5,018 |
| Net interest margin | 2.6851% | 7,523 |
| Noninterest income to average assets | 0.4645% | 4,924 |
| Noninterest expense to average assets | 8.2948% | 207 |
| Loan and lease loss provision to assets | 0.7731% | 1,933 |
| Net operating income to assets | -3.8705% | 7,972 |
| Return on assets (ROA) | -3.8605% | 7,948 |
| Pretax return on assets | -6.1327% | 8,112 |
| Return on Equity (ROE) | -17.5120% | 7,689 |
| Retained earnings to average equity (ytd only) | -17.5120% | 7,595 |
| Net charge-offs to loans | 0.0382% | 6,262 |
| Credit loss provision to net charge-offs | 3,718.1818% | 136 |
| Earnings coverage of net charge-offs (x) | -258.5000% | 7,023 |
| Efficiency ratio | 284.1049% | 115 |
| Assets per employee ($millions) | 2.9150% | 6,258 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1387% | 4,996 |
| Loan loss allowance to noncurrent loans | 106.8722% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.6180% | 5,349 |
| Noncurrent loans to loans | 1.0655% | 4,445 |
| Net loans and leases to total assets | 57.3453% | 6,297 |
| Net loans and leases to deposits | 78.7226% | 5,236 |
| Net loans and leases to core deposits | 113.7731% | 3,367 |
| Total domestic deposits to total assets | 72.8448% | 6,856 |
| Equity capital to assets | 12.4913% | 2,018 |
| Core capital (leverage) ratio | 13.1505% | 1,498 |
| Tier 1 risk-based capital ratio | 14.6812% | 3,213 |
| Total risk-based capital ratio | 15.5918% | 3,294 |
| Memoranda: | ||
| Average total assets | $211,603,000 | 2,991 |
| Average earning assets | $193,473,200 | 2,987 |
| Average equity | $46,648,000 | 1,464 |
| Average total loans | $115,208,000 | 3,559 |