Home > State Bank & Trust Company > Performance and Condition Ratios
State Bank & Trust Company, Performance and Condition Ratios
| 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 | 4.9228% | 1,137 |
| Cost of funding earning assets | 1.1172% | 999 |
| Net interest margin | 3.8055% | 1,947 |
| Noninterest income to average assets | 0.5830% | 2,115 |
| Noninterest expense to average assets | 6.0950% | 145 |
| Loan and lease loss provision to assets | 0.0093% | 3,650 |
| Net operating income to assets | -1.1599% | 5,004 |
| Return on assets (ROA) | -1.1563% | 4,986 |
| Pretax return on assets | -2.1606% | 5,032 |
| Return on Equity (ROE) | -10.3951% | 5,001 |
| Retained earnings to average equity (ytd only) | -15.0441% | 4,898 |
| Net charge-offs to loans | 0.2805% | 527 |
| Credit loss provision to net charge-offs | 4.2654% | 2,242 |
| Earnings coverage of net charge-offs (x) | -9.8784% | 2,532 |
| Efficiency ratio | 154.2710% | 53 |
| Assets per employee ($millions) | 4.4813% | 3,281 |
| Cash dividends to net income (ytd only)* | -44.7227% | 5,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8095% | 4,391 |
| Loan loss allowance to noncurrent loans | 263.9362% | 1,688 |
| Noncurrent assets plus other real estate owned to assets | 0.3447% | 3,058 |
| Noncurrent loans to loans | 0.3067% | 3,403 |
| Net loans and leases to total assets | 76.2863% | 1,252 |
| Net loans and leases to deposits | 87.6183% | 1,793 |
| Net loans and leases to core deposits | 93.9723% | 1,980 |
| Total domestic deposits to total assets | 87.0666% | 1,528 |
| Equity capital to assets | 10.8540% | 2,983 |
| Core capital (leverage) ratio | 8.7032% | 4,665 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2820% | 3,277 |
| Memoranda: | ||
| Average total assets | $1,160,226,000 | 723 |
| Average earning assets | $1,023,249,000 | 746 |
| Average equity | $129,060,500 | 752 |
| Average total loans | $902,596,500 | 666 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9645% | 1,573 |
| Cost of funding earning assets | 1.1762% | 1,081 |
| Net interest margin | 3.7883% | 2,541 |
| Noninterest income to average assets | 0.6664% | 1,940 |
| Noninterest expense to average assets | 2.7679% | 2,698 |
| Loan and lease loss provision to assets | 0.0393% | 3,234 |
| Net operating income to assets | 0.9268% | 3,104 |
| Return on assets (ROA) | 0.9522% | 3,094 |
| Pretax return on assets | 1.2410% | 2,699 |
| Return on Equity (ROE) | 8.6592% | 2,888 |
| Retained earnings to average equity (ytd only) | 4.8616% | 2,493 |
| Net charge-offs to loans | 0.1340% | 1,439 |
| Credit loss provision to net charge-offs | 38.4810% | 3,213 |
| Earnings coverage of net charge-offs (x) | 12.2329% | 2,425 |
| Efficiency ratio | 68.4776% | 2,392 |
| Assets per employee ($millions) | 4.1397% | 3,709 |
| Cash dividends to net income (ytd only)* | 43.8557% | 2,406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8709% | 4,079 |
| Loan loss allowance to noncurrent loans | 292.1111% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.3524% | 2,996 |
| Noncurrent loans to loans | 0.2981% | 3,361 |
| Net loans and leases to total assets | 78.0100% | 1,080 |
| Net loans and leases to deposits | 89.8125% | 1,611 |
| Net loans and leases to core deposits | 96.6839% | 1,837 |
| Total domestic deposits to total assets | 86.8587% | 1,681 |
| Equity capital to assets | 11.3979% | 2,629 |
| Core capital (leverage) ratio | 9.3433% | 4,234 |
| Tier 1 risk-based capital ratio | 11.2299% | 4,764 |
| Total risk-based capital ratio | 12.0778% | 4,824 |
| Memoranda: | ||
| Average total assets | $1,161,437,400 | 684 |
| Average earning assets | $1,026,922,200 | 709 |
| Average equity | $127,714,600 | 718 |
| Average total loans | $884,232,800 | 651 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9492% | 1,679 |
| Cost of funding earning assets | 1.1790% | 1,082 |
| Net interest margin | 3.7702% | 2,685 |
| Noninterest income to average assets | 0.6601% | 1,948 |
| Noninterest expense to average assets | 2.7584% | 2,687 |
| Loan and lease loss provision to assets | 0.0447% | 3,015 |
| Net operating income to assets | 0.9098% | 3,313 |
| Return on assets (ROA) | 0.9229% | 3,336 |
| Pretax return on assets | 1.2033% | 2,969 |
| Return on Equity (ROE) | 8.4696% | 3,128 |
| Retained earnings to average equity (ytd only) | 5.0536% | 2,868 |
| Net charge-offs to loans | 0.0680% | 1,852 |
| Credit loss provision to net charge-offs | 87.0536% | 2,427 |
| Earnings coverage of net charge-offs (x) | 23.9977% | 1,814 |
| Efficiency ratio | 68.6915% | 2,306 |
| Assets per employee ($millions) | 3.9018% | 4,026 |
| Cash dividends to net income (ytd only)* | 40.3326% | 2,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9613% | 3,773 |
| Loan loss allowance to noncurrent loans | 279.9215% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.3964% | 2,923 |
| Noncurrent loans to loans | 0.3434% | 3,304 |
| Net loans and leases to total assets | 76.6145% | 1,372 |
| Net loans and leases to deposits | 88.2956% | 1,895 |
| Net loans and leases to core deposits | 94.3063% | 2,155 |
| Total domestic deposits to total assets | 86.7704% | 1,639 |
| Equity capital to assets | 11.3112% | 2,828 |
| Core capital (leverage) ratio | 9.1574% | 4,511 |
| Tier 1 risk-based capital ratio | 11.1313% | 4,849 |
| Total risk-based capital ratio | 12.0562% | 4,891 |
| Memoranda: | ||
| Average total assets | $1,164,087,750 | 679 |
| Average earning assets | $1,028,073,500 | 709 |
| Average equity | $126,850,500 | 717 |
| Average total loans | $878,877,500 | 656 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8942% | 1,769 |
| Cost of funding earning assets | 1.1669% | 1,088 |
| Net interest margin | 3.7274% | 2,843 |
| Noninterest income to average assets | 0.6393% | 1,975 |
| Noninterest expense to average assets | 2.7822% | 2,653 |
| Loan and lease loss provision to assets | 0.0572% | 2,682 |
| Net operating income to assets | 0.8315% | 3,537 |
| Return on assets (ROA) | 0.8367% | 3,578 |
| Pretax return on assets | 1.0903% | 3,263 |
| Return on Equity (ROE) | 7.7751% | 3,389 |
| Retained earnings to average equity (ytd only) | 4.1961% | 3,151 |
| Net charge-offs to loans | -0.0279% | 4,657 |
| Credit loss provision to net charge-offs | -273.7705% | 4,031 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4668% | 2,154 |
| Assets per employee ($millions) | 3.9436% | 3,947 |
| Cash dividends to net income (ytd only)* | 46.0311% | 1,964 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0260% | 3,472 |
| Loan loss allowance to noncurrent loans | 249.5325% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.4321% | 2,786 |
| Noncurrent loans to loans | 0.4112% | 3,060 |
| Net loans and leases to total assets | 75.2333% | 1,683 |
| Net loans and leases to deposits | 87.3775% | 2,073 |
| Net loans and leases to core deposits | 92.7197% | 2,344 |
| Total domestic deposits to total assets | 86.1015% | 1,975 |
| Equity capital to assets | 11.0116% | 3,041 |
| Core capital (leverage) ratio | 8.8925% | 4,720 |
| Tier 1 risk-based capital ratio | 10.9847% | 4,916 |
| Total risk-based capital ratio | 11.9733% | 4,945 |
| Memoranda: | ||
| Average total assets | $1,168,439,330 | 677 |
| Average earning assets | $1,029,413,000 | 705 |
| Average equity | $125,735,330 | 717 |
| Average total loans | $875,030,670 | 663 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8076% | 1,877 |
| Cost of funding earning assets | 1.1503% | 1,044 |
| Net interest margin | 3.6574% | 3,053 |
| Noninterest income to average assets | 0.6179% | 1,959 |
| Noninterest expense to average assets | 2.7150% | 2,860 |
| Loan and lease loss provision to assets | 0.1001% | 1,756 |
| Net operating income to assets | 0.8015% | 3,616 |
| Return on assets (ROA) | 0.8021% | 3,658 |
| Pretax return on assets | 1.0456% | 3,298 |
| Return on Equity (ROE) | 7.5407% | 3,443 |
| Retained earnings to average equity (ytd only) | 4.3292% | 3,190 |
| Net charge-offs to loans | 0.1057% | 1,102 |
| Credit loss provision to net charge-offs | 127.3913% | 1,369 |
| Earnings coverage of net charge-offs (x) | 14.5739% | 1,787 |
| Efficiency ratio | 69.8761% | 2,360 |
| Assets per employee ($millions) | 3.9432% | 4,003 |
| Cash dividends to net income (ytd only)* | 42.5894% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9994% | 3,713 |
| Loan loss allowance to noncurrent loans | 269.7328% | 1,718 |
| Noncurrent assets plus other real estate owned to assets | 0.4342% | 2,851 |
| Noncurrent loans to loans | 0.3705% | 3,259 |
| Net loans and leases to total assets | 73.9162% | 1,825 |
| Net loans and leases to deposits | 85.7519% | 2,157 |
| Net loans and leases to core deposits | 91.0778% | 2,392 |
| Total domestic deposits to total assets | 86.1978% | 2,186 |
| Equity capital to assets | 10.8045% | 3,047 |
| Core capital (leverage) ratio | 8.6569% | 4,908 |
| Tier 1 risk-based capital ratio | 10.9274% | 5,010 |
| Total risk-based capital ratio | 11.8810% | 5,032 |
| Memoranda: | ||
| Average total assets | $1,170,983,000 | 681 |
| Average earning assets | $1,038,014,500 | 703 |
| Average equity | $124,551,000 | 726 |
| Average total loans | $870,395,500 | 666 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7050% | 1,808 |
| Cost of funding earning assets | 0.8808% | 1,171 |
| Net interest margin | 3.8242% | 2,580 |
| Noninterest income to average assets | 0.6168% | 2,208 |
| Noninterest expense to average assets | 2.9220% | 2,272 |
| Loan and lease loss provision to assets | 0.0130% | 3,883 |
| Net operating income to assets | 0.8114% | 3,759 |
| Return on assets (ROA) | 0.8135% | 3,755 |
| Pretax return on assets | 1.0596% | 3,413 |
| Return on Equity (ROE) | 7.7762% | 3,535 |
| Retained earnings to average equity (ytd only) | 6.7297% | 1,795 |
| Net charge-offs to loans | 0.1405% | 1,353 |
| Credit loss provision to net charge-offs | 11.9355% | 3,423 |
| Earnings coverage of net charge-offs (x) | 9.8508% | 2,777 |
| Efficiency ratio | 72.7444% | 1,803 |
| Assets per employee ($millions) | 3.8647% | 4,084 |
| Cash dividends to net income (ytd only)* | 13.4582% | 3,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9879% | 3,773 |
| Loan loss allowance to noncurrent loans | 242.9377% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.4492% | 2,770 |
| Noncurrent loans to loans | 0.4066% | 3,072 |
| Net loans and leases to total assets | 73.2715% | 2,048 |
| Net loans and leases to deposits | 84.6737% | 2,443 |
| Net loans and leases to core deposits | 92.0590% | 2,403 |
| Total domestic deposits to total assets | 86.5341% | 1,999 |
| Equity capital to assets | 10.4706% | 3,220 |
| Core capital (leverage) ratio | 8.7136% | 4,873 |
| Tier 1 risk-based capital ratio | 10.7590% | 5,088 |
| Total risk-based capital ratio | 11.7039% | 5,098 |
| Memoranda: | ||
| Average total assets | $1,141,705,400 | 676 |
| Average earning assets | $1,007,640,200 | 701 |
| Average equity | $119,440,800 | 722 |
| Average total loans | $882,335,600 | 628 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6819% | 1,730 |
| Cost of funding earning assets | 0.8324% | 1,185 |
| Net interest margin | 3.8496% | 2,471 |
| Noninterest income to average assets | 0.6193% | 2,215 |
| Noninterest expense to average assets | 2.9156% | 2,261 |
| Loan and lease loss provision to assets | 0.0008% | 3,940 |
| Net operating income to assets | 0.8364% | 3,792 |
| Return on assets (ROA) | 0.8364% | 3,798 |
| Pretax return on assets | 1.0887% | 3,442 |
| Return on Equity (ROE) | 7.9967% | 3,553 |
| Retained earnings to average equity (ytd only) | 7.9967% | 1,659 |
| Net charge-offs to loans | 0.1317% | 1,223 |
| Credit loss provision to net charge-offs | 0.8009% | 3,084 |
| Earnings coverage of net charge-offs (x) | 10.5881% | 2,575 |
| Efficiency ratio | 72.3411% | 1,832 |
| Assets per employee ($millions) | 3.6910% | 4,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9947% | 3,802 |
| Loan loss allowance to noncurrent loans | 193.9035% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.5154% | 2,671 |
| Noncurrent loans to loans | 0.5130% | 2,843 |
| Net loans and leases to total assets | 77.4108% | 1,431 |
| Net loans and leases to deposits | 89.9122% | 1,909 |
| Net loans and leases to core deposits | 96.7892% | 2,046 |
| Total domestic deposits to total assets | 86.0959% | 2,148 |
| Equity capital to assets | 10.6568% | 2,978 |
| Core capital (leverage) ratio | 8.9097% | 4,794 |
| Tier 1 risk-based capital ratio | 10.6067% | 5,211 |
| Total risk-based capital ratio | 11.5721% | 5,211 |
| Memoranda: | ||
| Average total assets | $1,132,449,500 | 676 |
| Average earning assets | $996,028,500 | 709 |
| Average equity | $118,446,000 | 719 |
| Average total loans | $884,847,000 | 621 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6347% | 1,677 |
| Cost of funding earning assets | 0.7924% | 1,159 |
| Net interest margin | 3.8424% | 2,408 |
| Noninterest income to average assets | 0.5760% | 2,450 |
| Noninterest expense to average assets | 2.8773% | 2,418 |
| Loan and lease loss provision to assets | 0.0012% | 3,773 |
| Net operating income to assets | 0.8255% | 3,772 |
| Return on assets (ROA) | 0.8255% | 3,776 |
| Pretax return on assets | 1.0769% | 3,398 |
| Return on Equity (ROE) | 7.9425% | 3,529 |
| Retained earnings to average equity (ytd only) | 7.9425% | 1,654 |
| Net charge-offs to loans | 0.1587% | 972 |
| Credit loss provision to net charge-offs | 0.9986% | 2,758 |
| Earnings coverage of net charge-offs (x) | 8.6976% | 2,449 |
| Efficiency ratio | 72.2818% | 1,954 |
| Assets per employee ($millions) | 3.6541% | 4,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0207% | 3,712 |
| Loan loss allowance to noncurrent loans | 141.8345% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.7075% | 2,112 |
| Noncurrent loans to loans | 0.7196% | 2,311 |
| Net loans and leases to total assets | 77.1752% | 1,445 |
| Net loans and leases to deposits | 90.0801% | 1,831 |
| Net loans and leases to core deposits | 96.2972% | 2,038 |
| Total domestic deposits to total assets | 85.6739% | 2,422 |
| Equity capital to assets | 10.5319% | 3,082 |
| Core capital (leverage) ratio | 8.5890% | 5,053 |
| Tier 1 risk-based capital ratio | 10.3047% | 5,340 |
| Total risk-based capital ratio | 11.2860% | 5,358 |
| Memoranda: | ||
| Average total assets | $1,130,988,330 | 675 |
| Average earning assets | $994,753,330 | 708 |
| Average equity | $117,544,670 | 726 |
| Average total loans | $883,505,000 | 622 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5465% | 1,726 |
| Cost of funding earning assets | 0.7331% | 1,267 |
| Net interest margin | 3.8134% | 2,365 |
| Noninterest income to average assets | 0.5876% | 2,325 |
| Noninterest expense to average assets | 2.8373% | 2,581 |
| Loan and lease loss provision to assets | -0.0046% | 5,396 |
| Net operating income to assets | 0.8626% | 3,440 |
| Return on assets (ROA) | 0.8626% | 3,456 |
| Pretax return on assets | 1.1206% | 3,092 |
| Return on Equity (ROE) | 8.3555% | 3,213 |
| Retained earnings to average equity (ytd only) | 8.3555% | 1,705 |
| Net charge-offs to loans | 0.0557% | 1,550 |
| Credit loss provision to net charge-offs | -10.5691% | 3,559 |
| Earnings coverage of net charge-offs (x) | 25.6341% | 1,340 |
| Efficiency ratio | 71.3045% | 2,297 |
| Assets per employee ($millions) | 3.6819% | 4,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0887% | 3,459 |
| Loan loss allowance to noncurrent loans | 137.0704% | 2,907 |
| Noncurrent assets plus other real estate owned to assets | 0.7696% | 2,028 |
| Noncurrent loans to loans | 0.7943% | 2,220 |
| Net loans and leases to total assets | 76.6906% | 1,428 |
| Net loans and leases to deposits | 89.4419% | 1,756 |
| Net loans and leases to core deposits | 96.3219% | 1,954 |
| Total domestic deposits to total assets | 85.7435% | 2,655 |
| Equity capital to assets | 10.3608% | 3,211 |
| Core capital (leverage) ratio | 8.4975% | 5,140 |
| Tier 1 risk-based capital ratio | 10.0591% | 5,488 |
| Total risk-based capital ratio | 11.1014% | 5,481 |
| Memoranda: | ||
| Average total assets | $1,130,099,000 | 681 |
| Average earning assets | $997,422,000 | 708 |
| Average equity | $116,666,000 | 733 |
| Average total loans | $883,642,500 | 623 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5458% | 1,572 |
| Cost of funding earning assets | 0.6226% | 1,450 |
| Net interest margin | 3.9231% | 2,020 |
| Noninterest income to average assets | 0.6463% | 2,220 |
| Noninterest expense to average assets | 2.9177% | 2,392 |
| Loan and lease loss provision to assets | 0.0882% | 2,424 |
| Net operating income to assets | 0.5924% | 4,044 |
| Return on assets (ROA) | 0.5961% | 4,069 |
| Pretax return on assets | 1.1069% | 3,162 |
| Return on Equity (ROE) | 5.6024% | 3,916 |
| Retained earnings to average equity (ytd only) | 2.3723% | 3,905 |
| Net charge-offs to loans | 0.0784% | 2,325 |
| Credit loss provision to net charge-offs | 142.5185% | 1,862 |
| Earnings coverage of net charge-offs (x) | 19.2252% | 2,031 |
| Efficiency ratio | 70.4996% | 2,471 |
| Assets per employee ($millions) | 3.6683% | 4,485 |
| Cash dividends to net income (ytd only)* | 57.6568% | 1,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0933% | 3,393 |
| Loan loss allowance to noncurrent loans | 136.0757% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.7959% | 1,959 |
| Noncurrent loans to loans | 0.8035% | 2,204 |
| Net loans and leases to total assets | 77.9909% | 1,287 |
| Net loans and leases to deposits | 94.0276% | 1,270 |
| Net loans and leases to core deposits | 101.3431% | 1,600 |
| Total domestic deposits to total assets | 82.9447% | 3,584 |
| Equity capital to assets | 10.2860% | 3,398 |
| Core capital (leverage) ratio | 8.3850% | 5,232 |
| Tier 1 risk-based capital ratio | 9.8578% | 5,557 |
| Total risk-based capital ratio | 10.9190% | 5,559 |
| Memoranda: | ||
| Average total assets | $1,091,118,800 | 679 |
| Average earning assets | $962,519,600 | 704 |
| Average equity | $116,092,200 | 704 |
| Average total loans | $861,349,000 | 611 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5169% | 1,597 |
| Cost of funding earning assets | 0.6027% | 1,514 |
| Net interest margin | 3.9142% | 1,989 |
| Noninterest income to average assets | 0.6337% | 2,292 |
| Noninterest expense to average assets | 2.8900% | 2,447 |
| Loan and lease loss provision to assets | 0.1183% | 1,832 |
| Net operating income to assets | 0.7122% | 3,913 |
| Return on assets (ROA) | 0.7174% | 3,948 |
| Pretax return on assets | 1.0813% | 3,376 |
| Return on Equity (ROE) | 6.6851% | 3,823 |
| Retained earnings to average equity (ytd only) | 6.6851% | 1,851 |
| Net charge-offs to loans | 0.0658% | 2,179 |
| Credit loss provision to net charge-offs | 227.4882% | 1,224 |
| Earnings coverage of net charge-offs (x) | 22.9243% | 1,840 |
| Efficiency ratio | 70.2460% | 2,500 |
| Assets per employee ($millions) | 3.5265% | 4,692 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1191% | 3,386 |
| Loan loss allowance to noncurrent loans | 140.5135% | 2,917 |
| Noncurrent assets plus other real estate owned to assets | 0.7764% | 2,197 |
| Noncurrent loans to loans | 0.7965% | 2,364 |
| Net loans and leases to total assets | 79.7334% | 1,023 |
| Net loans and leases to deposits | 94.3624% | 1,259 |
| Net loans and leases to core deposits | 102.3605% | 1,520 |
| Total domestic deposits to total assets | 84.4970% | 2,921 |
| Equity capital to assets | 10.8264% | 3,036 |
| Core capital (leverage) ratio | 8.7232% | 5,035 |
| Tier 1 risk-based capital ratio | 10.1932% | 5,551 |
| Total risk-based capital ratio | 11.2855% | 5,550 |
| Memoranda: | ||
| Average total assets | $1,082,356,250 | 689 |
| Average earning assets | $953,467,750 | 715 |
| Average equity | $116,155,750 | 707 |
| Average total loans | $854,681,750 | 614 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4386% | 1,702 |
| Cost of funding earning assets | 0.5798% | 1,575 |
| Net interest margin | 3.8589% | 2,065 |
| Noninterest income to average assets | 0.6637% | 2,153 |
| Noninterest expense to average assets | 2.9205% | 2,360 |
| Loan and lease loss provision to assets | 0.1177% | 1,744 |
| Net operating income to assets | 0.6748% | 3,958 |
| Return on assets (ROA) | 0.6827% | 3,988 |
| Pretax return on assets | 1.0208% | 3,474 |
| Return on Equity (ROE) | 6.3804% | 3,878 |
| Retained earnings to average equity (ytd only) | 6.3804% | 1,911 |
| Net charge-offs to loans | 0.0750% | 1,868 |
| Credit loss provision to net charge-offs | 200.3165% | 1,259 |
| Earnings coverage of net charge-offs (x) | 19.1709% | 1,849 |
| Efficiency ratio | 71.5934% | 2,417 |
| Assets per employee ($millions) | 3.4928% | 4,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 3,411 |
| Loan loss allowance to noncurrent loans | 138.0635% | 2,947 |
| Noncurrent assets plus other real estate owned to assets | 0.8182% | 2,160 |
| Noncurrent loans to loans | 0.8197% | 2,352 |
| Net loans and leases to total assets | 78.3221% | 1,197 |
| Net loans and leases to deposits | 91.8170% | 1,524 |
| Net loans and leases to core deposits | 101.7526% | 1,532 |
| Total domestic deposits to total assets | 85.3024% | 2,692 |
| Equity capital to assets | 10.8086% | 3,024 |
| Core capital (leverage) ratio | 8.6215% | 5,120 |
| Tier 1 risk-based capital ratio | 10.2138% | 5,573 |
| Total risk-based capital ratio | 11.3097% | 5,563 |
| Memoranda: | ||
| Average total assets | $1,075,208,670 | 696 |
| Average earning assets | $942,816,670 | 723 |
| Average equity | $115,040,330 | 719 |
| Average total loans | $842,890,000 | 624 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3784% | 1,720 |
| Cost of funding earning assets | 0.5600% | 1,646 |
| Net interest margin | 3.8184% | 2,051 |
| Noninterest income to average assets | 0.6118% | 2,363 |
| Noninterest expense to average assets | 2.9179% | 2,405 |
| Loan and lease loss provision to assets | 0.1189% | 1,607 |
| Net operating income to assets | 0.6025% | 4,154 |
| Return on assets (ROA) | 0.6192% | 4,121 |
| Pretax return on assets | 0.9431% | 3,614 |
| Return on Equity (ROE) | 5.8179% | 3,997 |
| Retained earnings to average equity (ytd only) | 5.8179% | 2,432 |
| Net charge-offs to loans | 0.1041% | 1,333 |
| Credit loss provision to net charge-offs | 146.5438% | 1,233 |
| Earnings coverage of net charge-offs (x) | 12.7742% | 1,826 |
| Efficiency ratio | 73.2009% | 2,373 |
| Assets per employee ($millions) | 3.5306% | 4,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1267% | 3,536 |
| Loan loss allowance to noncurrent loans | 126.9564% | 3,170 |
| Noncurrent assets plus other real estate owned to assets | 0.8745% | 2,114 |
| Noncurrent loans to loans | 0.8875% | 2,253 |
| Net loans and leases to total assets | 76.8470% | 1,283 |
| Net loans and leases to deposits | 89.9163% | 1,544 |
| Net loans and leases to core deposits | 101.7781% | 1,384 |
| Total domestic deposits to total assets | 85.4651% | 2,896 |
| Equity capital to assets | 10.5689% | 3,107 |
| Core capital (leverage) ratio | 8.6036% | 5,152 |
| Tier 1 risk-based capital ratio | 10.0646% | 5,682 |
| Total risk-based capital ratio | 11.1451% | 5,695 |
| Memoranda: | ||
| Average total assets | $1,069,683,000 | 701 |
| Average earning assets | $936,415,000 | 737 |
| Average equity | $113,856,000 | 725 |
| Average total loans | $834,074,500 | 630 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5561% | 1,391 |
| Cost of funding earning assets | 0.5575% | 1,619 |
| Net interest margin | 3.9986% | 1,630 |
| Noninterest income to average assets | 0.6215% | 2,547 |
| Noninterest expense to average assets | 3.0103% | 2,320 |
| Loan and lease loss provision to assets | 0.0851% | 2,655 |
| Net operating income to assets | 0.6859% | 3,842 |
| Return on assets (ROA) | 0.6920% | 3,927 |
| Pretax return on assets | 1.0323% | 3,356 |
| Return on Equity (ROE) | 6.2523% | 3,868 |
| Retained earnings to average equity (ytd only) | 3.1706% | 3,654 |
| Net charge-offs to loans | -0.0024% | 4,723 |
| Credit loss provision to net charge-offs | -4,594.7368% | 5,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5066% | 2,506 |
| Assets per employee ($millions) | 3.4603% | 4,819 |
| Cash dividends to net income (ytd only)* | 49.2888% | 2,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1449% | 3,463 |
| Loan loss allowance to noncurrent loans | 125.4761% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 0.9292% | 2,040 |
| Noncurrent loans to loans | 0.9124% | 2,269 |
| Net loans and leases to total assets | 77.3380% | 1,306 |
| Net loans and leases to deposits | 92.5925% | 1,362 |
| Net loans and leases to core deposits | 102.2149% | 1,434 |
| Total domestic deposits to total assets | 83.5251% | 3,593 |
| Equity capital to assets | 10.7215% | 2,903 |
| Core capital (leverage) ratio | 8.6341% | 5,136 |
| Tier 1 risk-based capital ratio | 10.1847% | 5,686 |
| Total risk-based capital ratio | 11.2835% | 5,683 |
| Memoranda: | ||
| Average total assets | $1,026,121,200 | 702 |
| Average earning assets | $897,409,400 | 733 |
| Average equity | $113,574,600 | 704 |
| Average total loans | $796,826,000 | 627 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5722% | 1,352 |
| Cost of funding earning assets | 0.5549% | 1,650 |
| Net interest margin | 4.0172% | 1,602 |
| Noninterest income to average assets | 0.6276% | 2,533 |
| Noninterest expense to average assets | 2.9844% | 2,364 |
| Loan and lease loss provision to assets | 0.1153% | 2,005 |
| Net operating income to assets | 0.6919% | 3,897 |
| Return on assets (ROA) | 0.6979% | 3,987 |
| Pretax return on assets | 1.0497% | 3,429 |
| Return on Equity (ROE) | 6.2544% | 3,951 |
| Retained earnings to average equity (ytd only) | 6.2544% | 2,033 |
| Net charge-offs to loans | -0.0800% | 5,503 |
| Credit loss provision to net charge-offs | -186.0759% | 4,852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4953% | 2,653 |
| Assets per employee ($millions) | 3.3689% | 4,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2071% | 3,194 |
| Loan loss allowance to noncurrent loans | 131.7915% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 0.9512% | 2,180 |
| Noncurrent loans to loans | 0.9159% | 2,412 |
| Net loans and leases to total assets | 75.7682% | 1,557 |
| Net loans and leases to deposits | 90.8068% | 1,658 |
| Net loans and leases to core deposits | 100.9785% | 1,552 |
| Total domestic deposits to total assets | 83.4389% | 3,431 |
| Equity capital to assets | 10.9209% | 3,098 |
| Core capital (leverage) ratio | 8.9096% | 4,930 |
| Tier 1 risk-based capital ratio | 10.4218% | 5,649 |
| Total risk-based capital ratio | 11.5790% | 5,613 |
| Memoranda: | ||
| Average total assets | $1,019,669,500 | 708 |
| Average earning assets | $891,634,250 | 741 |
| Average equity | $113,772,750 | 708 |
| Average total loans | $790,292,000 | 634 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5709% | 1,330 |
| Cost of funding earning assets | 0.5529% | 1,676 |
| Net interest margin | 4.0180% | 1,590 |
| Noninterest income to average assets | 0.6052% | 2,595 |
| Noninterest expense to average assets | 3.0204% | 2,276 |
| Loan and lease loss provision to assets | 0.1359% | 1,674 |
| Net operating income to assets | 0.6434% | 4,081 |
| Return on assets (ROA) | 0.6513% | 4,185 |
| Pretax return on assets | 0.9833% | 3,645 |
| Return on Equity (ROE) | 5.7933% | 4,141 |
| Retained earnings to average equity (ytd only) | 5.7933% | 2,241 |
| Net charge-offs to loans | -0.1578% | 5,757 |
| Credit loss provision to net charge-offs | -110.7143% | 4,614 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5811% | 2,575 |
| Assets per employee ($millions) | 3.1853% | 5,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2360% | 3,154 |
| Loan loss allowance to noncurrent loans | 143.1610% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.9117% | 2,335 |
| Noncurrent loans to loans | 0.8634% | 2,582 |
| Net loans and leases to total assets | 77.7739% | 1,235 |
| Net loans and leases to deposits | 94.7721% | 1,212 |
| Net loans and leases to core deposits | 102.7590% | 1,416 |
| Total domestic deposits to total assets | 82.0641% | 3,981 |
| Equity capital to assets | 11.3888% | 2,654 |
| Core capital (leverage) ratio | 8.9238% | 4,914 |
| Tier 1 risk-based capital ratio | 10.6718% | 5,596 |
| Total risk-based capital ratio | 11.8783% | 5,529 |
| Memoranda: | ||
| Average total assets | $1,003,576,670 | 718 |
| Average earning assets | $879,788,670 | 751 |
| Average equity | $112,820,670 | 717 |
| Average total loans | $780,705,330 | 641 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5468% | 1,382 |
| Cost of funding earning assets | 0.5524% | 1,685 |
| Net interest margin | 3.9944% | 1,627 |
| Noninterest income to average assets | 0.5789% | 2,641 |
| Noninterest expense to average assets | 3.0349% | 2,287 |
| Loan and lease loss provision to assets | 0.1515% | 1,400 |
| Net operating income to assets | 0.5812% | 4,267 |
| Return on assets (ROA) | 0.5973% | 4,306 |
| Pretax return on assets | 0.9036% | 3,832 |
| Return on Equity (ROE) | 5.3485% | 4,316 |
| Retained earnings to average equity (ytd only) | 5.3485% | 2,741 |
| Net charge-offs to loans | -0.3423% | 5,953 |
| Credit loss provision to net charge-offs | -57.2508% | 4,165 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0387% | 2,468 |
| Assets per employee ($millions) | 3.1187% | 5,377 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2260% | 3,333 |
| Loan loss allowance to noncurrent loans | 155.0462% | 2,706 |
| Noncurrent assets plus other real estate owned to assets | 0.8577% | 2,550 |
| Noncurrent loans to loans | 0.7908% | 2,856 |
| Net loans and leases to total assets | 77.0224% | 1,244 |
| Net loans and leases to deposits | 92.1874% | 1,323 |
| Net loans and leases to core deposits | 99.3185% | 1,537 |
| Total domestic deposits to total assets | 83.5498% | 3,694 |
| Equity capital to assets | 11.2622% | 2,664 |
| Core capital (leverage) ratio | 8.7661% | 5,102 |
| Tier 1 risk-based capital ratio | 10.5058% | 5,744 |
| Total risk-based capital ratio | 11.6872% | 5,694 |
| Memoranda: | ||
| Average total assets | $1,000,495,000 | 724 |
| Average earning assets | $873,323,500 | 758 |
| Average equity | $111,732,500 | 721 |
| Average total loans | $773,487,000 | 647 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5965% | 1,336 |
| Cost of funding earning assets | 0.5487% | 1,772 |
| Net interest margin | 4.0478% | 1,567 |
| Noninterest income to average assets | 0.6495% | 2,461 |
| Noninterest expense to average assets | 3.0212% | 2,475 |
| Loan and lease loss provision to assets | 0.1619% | 1,422 |
| Net operating income to assets | 0.6745% | 3,929 |
| Return on assets (ROA) | 0.6804% | 4,000 |
| Pretax return on assets | 1.0102% | 3,429 |
| Return on Equity (ROE) | 6.1116% | 3,986 |
| Retained earnings to average equity (ytd only) | 3.3832% | 3,644 |
| Net charge-offs to loans | 0.2105% | 1,396 |
| Credit loss provision to net charge-offs | 100.3137% | 2,493 |
| Earnings coverage of net charge-offs (x) | 7.2077% | 3,106 |
| Efficiency ratio | 71.6028% | 2,966 |
| Assets per employee ($millions) | 3.0391% | 5,488 |
| Cash dividends to net income (ytd only)* | 44.6429% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1131% | 3,974 |
| Loan loss allowance to noncurrent loans | 108.2075% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 1.0822% | 2,028 |
| Noncurrent loans to loans | 1.0287% | 2,276 |
| Net loans and leases to total assets | 75.7885% | 1,453 |
| Net loans and leases to deposits | 90.8221% | 1,528 |
| Net loans and leases to core deposits | 97.4651% | 1,719 |
| Total domestic deposits to total assets | 83.4473% | 3,696 |
| Equity capital to assets | 11.0732% | 2,748 |
| Core capital (leverage) ratio | 8.6967% | 5,220 |
| Tier 1 risk-based capital ratio | 10.4899% | 5,779 |
| Total risk-based capital ratio | 11.5553% | 5,786 |
| Memoranda: | ||
| Average total assets | $987,651,800 | 698 |
| Average earning assets | $862,521,600 | 732 |
| Average equity | $109,955,600 | 695 |
| Average total loans | $757,185,400 | 618 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6023% | 1,326 |
| Cost of funding earning assets | 0.5510% | 1,796 |
| Net interest margin | 4.0513% | 1,557 |
| Noninterest income to average assets | 0.6451% | 2,503 |
| Noninterest expense to average assets | 3.0190% | 2,462 |
| Loan and lease loss provision to assets | 0.2069% | 955 |
| Net operating income to assets | 0.6386% | 4,192 |
| Return on assets (ROA) | 0.6435% | 4,277 |
| Pretax return on assets | 0.9705% | 3,740 |
| Return on Equity (ROE) | 5.7722% | 4,264 |
| Retained earnings to average equity (ytd only) | 5.7722% | 2,384 |
| Net charge-offs to loans | 0.0570% | 2,786 |
| Credit loss provision to net charge-offs | 473.0650% | 678 |
| Earnings coverage of net charge-offs (x) | 26.7490% | 1,604 |
| Efficiency ratio | 71.4715% | 2,966 |
| Assets per employee ($millions) | 3.0845% | 5,448 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2674% | 3,270 |
| Loan loss allowance to noncurrent loans | 143.8285% | 2,903 |
| Noncurrent assets plus other real estate owned to assets | 1.0061% | 2,351 |
| Noncurrent loans to loans | 0.8812% | 2,779 |
| Net loans and leases to total assets | 75.8478% | 1,408 |
| Net loans and leases to deposits | 90.9389% | 1,537 |
| Net loans and leases to core deposits | 97.8244% | 1,712 |
| Total domestic deposits to total assets | 83.4052% | 3,653 |
| Equity capital to assets | 11.2410% | 2,758 |
| Core capital (leverage) ratio | 8.9064% | 5,111 |
| Tier 1 risk-based capital ratio | 10.4978% | 5,879 |
| Total risk-based capital ratio | 11.6996% | 5,835 |
| Memoranda: | ||
| Average total assets | $984,595,250 | 707 |
| Average earning assets | $861,256,000 | 743 |
| Average equity | $109,765,000 | 700 |
| Average total loans | $754,901,000 | 619 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6001% | 1,282 |
| Cost of funding earning assets | 0.5582% | 1,752 |
| Net interest margin | 4.0419% | 1,518 |
| Noninterest income to average assets | 0.5937% | 2,779 |
| Noninterest expense to average assets | 2.9738% | 2,634 |
| Loan and lease loss provision to assets | 0.2139% | 897 |
| Net operating income to assets | 0.6255% | 4,233 |
| Return on assets (ROA) | 0.6329% | 4,318 |
| Pretax return on assets | 0.9575% | 3,746 |
| Return on Equity (ROE) | 5.6929% | 4,281 |
| Retained earnings to average equity (ytd only) | 5.6929% | 2,414 |
| Net charge-offs to loans | 0.0485% | 2,738 |
| Credit loss provision to net charge-offs | 575.8242% | 571 |
| Earnings coverage of net charge-offs (x) | 31.2253% | 1,333 |
| Efficiency ratio | 71.3284% | 3,104 |
| Assets per employee ($millions) | 3.0736% | 5,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2310% | 3,618 |
| Loan loss allowance to noncurrent loans | 128.4015% | 3,123 |
| Noncurrent assets plus other real estate owned to assets | 1.0872% | 2,338 |
| Noncurrent loans to loans | 0.9587% | 2,731 |
| Net loans and leases to total assets | 76.6025% | 1,290 |
| Net loans and leases to deposits | 96.4397% | 917 |
| Net loans and leases to core deposits | 101.0559% | 1,399 |
| Total domestic deposits to total assets | 79.4304% | 4,996 |
| Equity capital to assets | 11.1825% | 2,686 |
| Core capital (leverage) ratio | 8.6616% | 5,356 |
| Tier 1 risk-based capital ratio | 10.3692% | 5,967 |
| Total risk-based capital ratio | 11.5378% | 5,943 |
| Memoranda: | ||
| Average total assets | $979,673,000 | 714 |
| Average earning assets | $858,117,000 | 751 |
| Average equity | $108,907,330 | 708 |
| Average total loans | $750,626,670 | 624 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5581% | 1,313 |
| Cost of funding earning assets | 0.5591% | 1,760 |
| Net interest margin | 3.9991% | 1,555 |
| Noninterest income to average assets | 0.6390% | 2,457 |
| Noninterest expense to average assets | 2.9599% | 2,706 |
| Loan and lease loss provision to assets | 0.2696% | 581 |
| Net operating income to assets | 0.5980% | 4,301 |
| Return on assets (ROA) | 0.6096% | 4,333 |
| Pretax return on assets | 0.9213% | 3,807 |
| Return on Equity (ROE) | 5.4998% | 4,283 |
| Retained earnings to average equity (ytd only) | 5.4998% | 2,778 |
| Net charge-offs to loans | 0.0983% | 1,740 |
| Credit loss provision to net charge-offs | 360.1093% | 715 |
| Earnings coverage of net charge-offs (x) | 15.6721% | 1,613 |
| Efficiency ratio | 70.9987% | 3,321 |
| Assets per employee ($millions) | 3.0775% | 5,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1993% | 3,988 |
| Loan loss allowance to noncurrent loans | 124.3714% | 3,191 |
| Noncurrent assets plus other real estate owned to assets | 1.0994% | 2,435 |
| Noncurrent loans to loans | 0.9643% | 2,845 |
| Net loans and leases to total assets | 75.3066% | 1,308 |
| Net loans and leases to deposits | 93.4337% | 1,040 |
| Net loans and leases to core deposits | 97.8852% | 1,484 |
| Total domestic deposits to total assets | 80.5990% | 4,918 |
| Equity capital to assets | 11.1355% | 2,824 |
| Core capital (leverage) ratio | 8.6508% | 5,377 |
| Tier 1 risk-based capital ratio | 10.1615% | 6,122 |
| Total risk-based capital ratio | 11.2814% | 6,112 |
| Memoranda: | ||
| Average total assets | $977,737,000 | 711 |
| Average earning assets | $854,298,500 | 756 |
| Average equity | $108,368,500 | 710 |
| Average total loans | $744,535,000 | 626 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7777% | 1,154 |
| Cost of funding earning assets | 0.6289% | 1,552 |
| Net interest margin | 4.1488% | 1,437 |
| Noninterest income to average assets | 0.7336% | 2,150 |
| Noninterest expense to average assets | 3.0624% | 2,647 |
| Loan and lease loss provision to assets | 0.2800% | 758 |
| Net operating income to assets | 0.6916% | 3,936 |
| Return on assets (ROA) | 0.6983% | 4,017 |
| Pretax return on assets | 1.0260% | 3,398 |
| Return on Equity (ROE) | 6.2549% | 4,022 |
| Retained earnings to average equity (ytd only) | 1.1264% | 5,267 |
| Net charge-offs to loans | 0.3892% | 1,098 |
| Credit loss provision to net charge-offs | 94.8185% | 2,539 |
| Earnings coverage of net charge-offs (x) | 4.3884% | 3,667 |
| Efficiency ratio | 69.6723% | 3,591 |
| Assets per employee ($millions) | 3.1111% | 5,549 |
| Cash dividends to net income (ytd only)* | 81.9917% | 830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 4,256 |
| Loan loss allowance to noncurrent loans | 125.8860% | 3,193 |
| Noncurrent assets plus other real estate owned to assets | 1.0799% | 2,587 |
| Noncurrent loans to loans | 0.9171% | 3,021 |
| Net loans and leases to total assets | 75.1976% | 1,382 |
| Net loans and leases to deposits | 92.5371% | 1,236 |
| Net loans and leases to core deposits | 97.4817% | 1,592 |
| Total domestic deposits to total assets | 81.2621% | 4,661 |
| Equity capital to assets | 11.0310% | 2,859 |
| Core capital (leverage) ratio | 8.4489% | 5,610 |
| Tier 1 risk-based capital ratio | 9.9914% | 6,262 |
| Total risk-based capital ratio | 11.0615% | 6,268 |
| Memoranda: | ||
| Average total assets | $960,554,200 | 701 |
| Average earning assets | $839,259,000 | 728 |
| Average equity | $107,243,600 | 683 |
| Average total loans | $728,925,200 | 596 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7761% | 1,147 |
| Cost of funding earning assets | 0.6332% | 1,573 |
| Net interest margin | 4.1429% | 1,454 |
| Noninterest income to average assets | 0.7028% | 2,317 |
| Noninterest expense to average assets | 3.0483% | 2,643 |
| Loan and lease loss provision to assets | 0.3040% | 640 |
| Net operating income to assets | 0.6423% | 4,248 |
| Return on assets (ROA) | 0.6502% | 4,313 |
| Pretax return on assets | 0.9820% | 3,666 |
| Return on Equity (ROE) | 5.8061% | 4,335 |
| Retained earnings to average equity (ytd only) | 5.8061% | 2,529 |
| Net charge-offs to loans | 0.3465% | 1,162 |
| Credit loss provision to net charge-offs | 115.6780% | 1,963 |
| Earnings coverage of net charge-offs (x) | 4.8485% | 3,370 |
| Efficiency ratio | 69.9295% | 3,522 |
| Assets per employee ($millions) | 3.0699% | 5,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 4,170 |
| Loan loss allowance to noncurrent loans | 166.8900% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.9508% | 3,067 |
| Noncurrent loans to loans | 0.7251% | 3,792 |
| Net loans and leases to total assets | 75.2194% | 1,331 |
| Net loans and leases to deposits | 91.7702% | 1,249 |
| Net loans and leases to core deposits | 96.3703% | 1,644 |
| Total domestic deposits to total assets | 81.9650% | 4,489 |
| Equity capital to assets | 11.3382% | 2,637 |
| Core capital (leverage) ratio | 8.9358% | 5,146 |
| Tier 1 risk-based capital ratio | 10.3540% | 6,249 |
| Total risk-based capital ratio | 11.4727% | 6,258 |
| Memoranda: | ||
| Average total assets | $958,028,000 | 702 |
| Average earning assets | $836,981,500 | 730 |
| Average equity | $107,286,250 | 682 |
| Average total loans | $726,547,250 | 594 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7649% | 1,142 |
| Cost of funding earning assets | 0.6371% | 1,607 |
| Net interest margin | 4.1277% | 1,434 |
| Noninterest income to average assets | 0.6812% | 2,370 |
| Noninterest expense to average assets | 3.0412% | 2,683 |
| Loan and lease loss provision to assets | 0.2980% | 660 |
| Net operating income to assets | 0.6302% | 4,200 |
| Return on assets (ROA) | 0.6365% | 4,276 |
| Pretax return on assets | 0.9545% | 3,664 |
| Return on Equity (ROE) | 5.7081% | 4,323 |
| Retained earnings to average equity (ytd only) | 5.7081% | 2,510 |
| Net charge-offs to loans | 0.1477% | 2,202 |
| Credit loss provision to net charge-offs | 266.4165% | 947 |
| Earnings coverage of net charge-offs (x) | 11.1126% | 2,186 |
| Efficiency ratio | 70.3831% | 3,594 |
| Assets per employee ($millions) | 3.0793% | 5,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3144% | 3,777 |
| Loan loss allowance to noncurrent loans | 150.0000% | 2,721 |
| Noncurrent assets plus other real estate owned to assets | 1.2629% | 2,585 |
| Noncurrent loans to loans | 0.8763% | 3,506 |
| Net loans and leases to total assets | 75.4182% | 1,246 |
| Net loans and leases to deposits | 91.1736% | 1,253 |
| Net loans and leases to core deposits | 95.8085% | 1,617 |
| Total domestic deposits to total assets | 82.7194% | 4,403 |
| Equity capital to assets | 11.3937% | 2,517 |
| Core capital (leverage) ratio | 8.8552% | 5,223 |
| Tier 1 risk-based capital ratio | 10.3149% | 6,305 |
| Total risk-based capital ratio | 11.5276% | 6,272 |
| Memoranda: | ||
| Average total assets | $952,989,330 | 704 |
| Average earning assets | $831,841,000 | 735 |
| Average equity | $106,269,330 | 685 |
| Average total loans | $721,743,000 | 600 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7488% | 1,147 |
| Cost of funding earning assets | 0.6399% | 1,647 |
| Net interest margin | 4.1089% | 1,434 |
| Noninterest income to average assets | 0.6966% | 2,188 |
| Noninterest expense to average assets | 3.0701% | 2,622 |
| Loan and lease loss provision to assets | 0.2860% | 697 |
| Net operating income to assets | 0.6287% | 4,046 |
| Return on assets (ROA) | 0.6413% | 4,081 |
| Pretax return on assets | 0.9487% | 3,527 |
| Return on Equity (ROE) | 5.8138% | 4,124 |
| Retained earnings to average equity (ytd only) | 5.8138% | 2,639 |
| Net charge-offs to loans | 0.1936% | 1,574 |
| Credit loss provision to net charge-offs | 195.9770% | 1,064 |
| Earnings coverage of net charge-offs (x) | 8.3333% | 2,036 |
| Efficiency ratio | 71.0176% | 3,650 |
| Assets per employee ($millions) | 3.0638% | 5,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2468% | 4,397 |
| Loan loss allowance to noncurrent loans | 231.7632% | 1,844 |
| Noncurrent assets plus other real estate owned to assets | 1.0128% | 3,230 |
| Noncurrent loans to loans | 0.5380% | 4,559 |
| Net loans and leases to total assets | 74.3646% | 1,217 |
| Net loans and leases to deposits | 90.5240% | 1,091 |
| Net loans and leases to core deposits | 95.2036% | 1,455 |
| Total domestic deposits to total assets | 82.1490% | 4,899 |
| Equity capital to assets | 11.0891% | 2,636 |
| Core capital (leverage) ratio | 8.6392% | 5,477 |
| Tier 1 risk-based capital ratio | 10.1471% | 6,441 |
| Total risk-based capital ratio | 11.2929% | 6,437 |
| Memoranda: | ||
| Average total assets | $953,725,000 | 713 |
| Average earning assets | $833,221,000 | 742 |
| Average equity | $105,197,500 | 690 |
| Average total loans | $719,026,500 | 605 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8479% | 1,203 |
| Cost of funding earning assets | 0.7285% | 1,633 |
| Net interest margin | 4.1194% | 1,592 |
| Noninterest income to average assets | 0.7614% | 2,250 |
| Noninterest expense to average assets | 3.0610% | 2,862 |
| Loan and lease loss provision to assets | 0.3293% | 983 |
| Net operating income to assets | 0.6087% | 4,227 |
| Return on assets (ROA) | 0.6374% | 4,191 |
| Pretax return on assets | 0.9467% | 3,572 |
| Return on Equity (ROE) | 5.6955% | 4,274 |
| Retained earnings to average equity (ytd only) | 0.5178% | 5,606 |
| Net charge-offs to loans | 0.2846% | 2,270 |
| Credit loss provision to net charge-offs | 158.1184% | 1,451 |
| Earnings coverage of net charge-offs (x) | 5.9211% | 3,174 |
| Efficiency ratio | 70.6747% | 3,729 |
| Assets per employee ($millions) | 3.1303% | 5,616 |
| Cash dividends to net income (ytd only)* | 90.9091% | 614 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2112% | 4,603 |
| Loan loss allowance to noncurrent loans | 184.4109% | 2,238 |
| Noncurrent assets plus other real estate owned to assets | 1.2195% | 2,963 |
| Noncurrent loans to loans | 0.6568% | 4,325 |
| Net loans and leases to total assets | 74.5660% | 1,272 |
| Net loans and leases to deposits | 88.6912% | 1,383 |
| Net loans and leases to core deposits | 93.1071% | 1,668 |
| Total domestic deposits to total assets | 84.0738% | 4,136 |
| Equity capital to assets | 10.9706% | 2,637 |
| Core capital (leverage) ratio | 8.3364% | 5,837 |
| Tier 1 risk-based capital ratio | 10.0534% | 6,507 |
| Total risk-based capital ratio | 11.1689% | 6,501 |
| Memoranda: | ||
| Average total assets | $949,176,800 | 697 |
| Average earning assets | $814,028,200 | 732 |
| Average equity | $106,224,200 | 666 |
| Average total loans | $694,644,200 | 603 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8365% | 1,271 |
| Cost of funding earning assets | 0.7404% | 1,664 |
| Net interest margin | 4.0961% | 1,645 |
| Noninterest income to average assets | 0.7184% | 2,518 |
| Noninterest expense to average assets | 3.0820% | 2,718 |
| Loan and lease loss provision to assets | 0.3112% | 1,087 |
| Net operating income to assets | 0.5550% | 4,558 |
| Return on assets (ROA) | 0.5821% | 4,548 |
| Pretax return on assets | 0.8598% | 4,050 |
| Return on Equity (ROE) | 5.1763% | 4,640 |
| Retained earnings to average equity (ytd only) | 5.1763% | 2,953 |
| Net charge-offs to loans | 0.2609% | 2,250 |
| Credit loss provision to net charge-offs | 164.2698% | 1,450 |
| Earnings coverage of net charge-offs (x) | 5.9704% | 3,063 |
| Efficiency ratio | 72.5358% | 3,312 |
| Assets per employee ($millions) | 3.2205% | 5,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1893% | 4,912 |
| Loan loss allowance to noncurrent loans | 153.1119% | 2,499 |
| Noncurrent assets plus other real estate owned to assets | 1.2200% | 3,202 |
| Noncurrent loans to loans | 0.7768% | 4,290 |
| Net loans and leases to total assets | 71.1902% | 1,748 |
| Net loans and leases to deposits | 83.9071% | 1,886 |
| Net loans and leases to core deposits | 88.0740% | 2,182 |
| Total domestic deposits to total assets | 84.8441% | 3,819 |
| Equity capital to assets | 11.0358% | 2,725 |
| Core capital (leverage) ratio | 8.9301% | 5,227 |
| Tier 1 risk-based capital ratio | 10.4424% | 6,476 |
| Total risk-based capital ratio | 11.5191% | 6,490 |
| Memoranda: | ||
| Average total assets | $949,353,000 | 700 |
| Average earning assets | $809,987,750 | 745 |
| Average equity | $106,767,000 | 670 |
| Average total loans | $689,328,000 | 609 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8348% | 1,258 |
| Cost of funding earning assets | 0.7700% | 1,583 |
| Net interest margin | 4.0648% | 1,648 |
| Noninterest income to average assets | 0.6970% | 2,656 |
| Noninterest expense to average assets | 3.1152% | 2,621 |
| Loan and lease loss provision to assets | 0.3547% | 935 |
| Net operating income to assets | 0.4628% | 4,963 |
| Return on assets (ROA) | 0.4803% | 5,062 |
| Pretax return on assets | 0.7030% | 4,676 |
| Return on Equity (ROE) | 4.2429% | 5,115 |
| Retained earnings to average equity (ytd only) | 4.2429% | 3,594 |
| Net charge-offs to loans | 0.3357% | 1,845 |
| Credit loss provision to net charge-offs | 145.1220% | 1,576 |
| Earnings coverage of net charge-offs (x) | 4.2221% | 3,182 |
| Efficiency ratio | 74.4867% | 3,031 |
| Assets per employee ($millions) | 3.0142% | 5,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 5,236 |
| Loan loss allowance to noncurrent loans | 138.4536% | 2,674 |
| Noncurrent assets plus other real estate owned to assets | 1.4325% | 2,952 |
| Noncurrent loans to loans | 0.8314% | 4,251 |
| Net loans and leases to total assets | 72.7175% | 1,448 |
| Net loans and leases to deposits | 89.9993% | 1,145 |
| Net loans and leases to core deposits | 94.5777% | 1,470 |
| Total domestic deposits to total assets | 80.7979% | 5,401 |
| Equity capital to assets | 11.1956% | 2,554 |
| Core capital (leverage) ratio | 8.8520% | 5,221 |
| Tier 1 risk-based capital ratio | 10.3025% | 6,568 |
| Total risk-based capital ratio | 11.3451% | 6,590 |
| Memoranda: | ||
| Average total assets | $939,461,000 | 709 |
| Average earning assets | $797,385,670 | 761 |
| Average equity | $106,341,330 | 672 |
| Average total loans | $683,983,330 | 610 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7841% | 1,324 |
| Cost of funding earning assets | 0.8017% | 1,516 |
| Net interest margin | 3.9823% | 1,853 |
| Noninterest income to average assets | 0.7371% | 2,392 |
| Noninterest expense to average assets | 3.1274% | 2,591 |
| Loan and lease loss provision to assets | 0.3711% | 860 |
| Net operating income to assets | 0.4239% | 5,034 |
| Return on assets (ROA) | 0.4593% | 5,037 |
| Pretax return on assets | 0.6665% | 4,718 |
| Return on Equity (ROE) | 4.0353% | 5,071 |
| Retained earnings to average equity (ytd only) | 4.0353% | 3,808 |
| Net charge-offs to loans | 0.4309% | 1,375 |
| Credit loss provision to net charge-offs | 118.9300% | 1,611 |
| Earnings coverage of net charge-offs (x) | 3.1605% | 2,830 |
| Efficiency ratio | 75.3798% | 3,027 |
| Assets per employee ($millions) | 2.8389% | 6,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1342% | 5,465 |
| Loan loss allowance to noncurrent loans | 151.2937% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 1.6142% | 2,843 |
| Noncurrent loans to loans | 0.7497% | 4,630 |
| Net loans and leases to total assets | 72.1475% | 1,326 |
| Net loans and leases to deposits | 86.2007% | 1,333 |
| Net loans and leases to core deposits | 90.7869% | 1,631 |
| Total domestic deposits to total assets | 83.6970% | 4,595 |
| Equity capital to assets | 11.5099% | 2,401 |
| Core capital (leverage) ratio | 8.7052% | 5,321 |
| Tier 1 risk-based capital ratio | 10.4171% | 6,602 |
| Total risk-based capital ratio | 11.4359% | 6,646 |
| Memoranda: | ||
| Average total assets | $934,455,000 | 718 |
| Average earning assets | $792,298,500 | 773 |
| Average equity | $106,362,500 | 682 |
| Average total loans | $676,738,500 | 621 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1287% | 1,246 |
| Cost of funding earning assets | 1.0220% | 1,241 |
| Net interest margin | 4.1067% | 1,976 |
| Noninterest income to average assets | 0.7130% | 2,655 |
| Noninterest expense to average assets | 3.0629% | 3,036 |
| Loan and lease loss provision to assets | 0.3013% | 2,268 |
| Net operating income to assets | 0.5991% | 4,241 |
| Return on assets (ROA) | 0.5994% | 4,503 |
| Pretax return on assets | 0.8421% | 4,146 |
| Return on Equity (ROE) | 5.0735% | 4,647 |
| Retained earnings to average equity (ytd only) | -1.7912% | 6,134 |
| Net charge-offs to loans | 0.3743% | 2,761 |
| Credit loss provision to net charge-offs | 111.6633% | 2,611 |
| Earnings coverage of net charge-offs (x) | 4.2361% | 3,431 |
| Efficiency ratio | 72.1897% | 3,382 |
| Assets per employee ($millions) | 2.9950% | 6,023 |
| Cash dividends to net income (ytd only)* | 135.3058% | 258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1093% | 5,519 |
| Loan loss allowance to noncurrent loans | 102.6474% | 3,271 |
| Noncurrent assets plus other real estate owned to assets | 1.7240% | 2,810 |
| Noncurrent loans to loans | 1.0807% | 4,044 |
| Net loans and leases to total assets | 71.0794% | 1,635 |
| Net loans and leases to deposits | 88.0851% | 1,261 |
| Net loans and leases to core deposits | 92.9024% | 1,562 |
| Total domestic deposits to total assets | 80.6940% | 5,488 |
| Equity capital to assets | 11.2571% | 2,677 |
| Core capital (leverage) ratio | 8.4643% | 5,671 |
| Tier 1 risk-based capital ratio | 10.2566% | 6,634 |
| Total risk-based capital ratio | 11.2539% | 6,668 |
| Memoranda: | ||
| Average total assets | $924,704,800 | 712 |
| Average earning assets | $786,499,200 | 758 |
| Average equity | $109,253,400 | 651 |
| Average total loans | $666,605,600 | 619 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1664% | 1,263 |
| Cost of funding earning assets | 1.0460% | 1,301 |
| Net interest margin | 4.1204% | 2,021 |
| Noninterest income to average assets | 0.6982% | 2,722 |
| Noninterest expense to average assets | 3.0632% | 3,004 |
| Loan and lease loss provision to assets | 0.2645% | 2,462 |
| Net operating income to assets | 0.5999% | 4,397 |
| Return on assets (ROA) | 0.6003% | 4,657 |
| Pretax return on assets | 0.8768% | 4,205 |
| Return on Equity (ROE) | 5.0197% | 4,808 |
| Retained earnings to average equity (ytd only) | 5.0197% | 3,350 |
| Net charge-offs to loans | 0.4239% | 2,397 |
| Credit loss provision to net charge-offs | 86.4929% | 3,414 |
| Earnings coverage of net charge-offs (x) | 3.7303% | 3,536 |
| Efficiency ratio | 72.2284% | 3,284 |
| Assets per employee ($millions) | 2.9948% | 6,063 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0324% | 5,966 |
| Loan loss allowance to noncurrent loans | 133.4743% | 2,521 |
| Noncurrent assets plus other real estate owned to assets | 1.5133% | 3,317 |
| Noncurrent loans to loans | 0.7735% | 4,862 |
| Net loans and leases to total assets | 70.8056% | 1,761 |
| Net loans and leases to deposits | 87.8549% | 1,370 |
| Net loans and leases to core deposits | 92.5667% | 1,724 |
| Total domestic deposits to total assets | 80.5938% | 5,484 |
| Equity capital to assets | 11.9237% | 2,330 |
| Core capital (leverage) ratio | 9.3915% | 4,445 |
| Tier 1 risk-based capital ratio | 11.2816% | 6,370 |
| Total risk-based capital ratio | 12.2222% | 6,473 |
| Memoranda: | ||
| Average total assets | $920,025,500 | 722 |
| Average earning assets | $782,757,500 | 767 |
| Average equity | $110,016,250 | 646 |
| Average total loans | $663,731,750 | 630 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1591% | 1,352 |
| Cost of funding earning assets | 1.0768% | 1,324 |
| Net interest margin | 4.0822% | 2,156 |
| Noninterest income to average assets | 0.6368% | 3,025 |
| Noninterest expense to average assets | 3.0515% | 3,074 |
| Loan and lease loss provision to assets | 0.2050% | 3,018 |
| Net operating income to assets | 0.6030% | 4,357 |
| Return on assets (ROA) | 0.6036% | 4,607 |
| Pretax return on assets | 0.8764% | 4,169 |
| Return on Equity (ROE) | 5.0424% | 4,792 |
| Retained earnings to average equity (ytd only) | 5.0424% | 3,259 |
| Net charge-offs to loans | 0.4044% | 2,409 |
| Credit loss provision to net charge-offs | 70.0599% | 3,561 |
| Earnings coverage of net charge-offs (x) | 3.6931% | 3,300 |
| Efficiency ratio | 73.1980% | 3,210 |
| Assets per employee ($millions) | 2.9413% | 6,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0085% | 6,125 |
| Loan loss allowance to noncurrent loans | 110.9109% | 2,916 |
| Noncurrent assets plus other real estate owned to assets | 1.7073% | 3,159 |
| Noncurrent loans to loans | 0.9092% | 4,680 |
| Net loans and leases to total assets | 73.7775% | 1,286 |
| Net loans and leases to deposits | 92.1093% | 940 |
| Net loans and leases to core deposits | 96.4261% | 1,397 |
| Total domestic deposits to total assets | 80.0977% | 5,717 |
| Equity capital to assets | 12.1764% | 2,019 |
| Core capital (leverage) ratio | 9.3685% | 4,346 |
| Tier 1 risk-based capital ratio | 11.1427% | 6,432 |
| Total risk-based capital ratio | 12.0665% | 6,557 |
| Memoranda: | ||
| Average total assets | $913,247,330 | 727 |
| Average earning assets | $781,925,000 | 767 |
| Average equity | $109,313,000 | 650 |
| Average total loans | $660,717,670 | 634 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1667% | 1,390 |
| Cost of funding earning assets | 1.1104% | 1,348 |
| Net interest margin | 4.0563% | 2,271 |
| Noninterest income to average assets | 0.5392% | 3,630 |
| Noninterest expense to average assets | 2.9975% | 3,258 |
| Loan and lease loss provision to assets | 0.1936% | 3,011 |
| Net operating income to assets | 0.5337% | 4,678 |
| Return on assets (ROA) | 0.5340% | 4,884 |
| Pretax return on assets | 0.8188% | 4,346 |
| Return on Equity (ROE) | 4.4994% | 5,043 |
| Retained earnings to average equity (ytd only) | 4.4994% | 3,888 |
| Net charge-offs to loans | 0.4261% | 2,032 |
| Credit loss provision to net charge-offs | 63.7410% | 3,047 |
| Earnings coverage of net charge-offs (x) | 3.3324% | 2,876 |
| Efficiency ratio | 74.0846% | 3,089 |
| Assets per employee ($millions) | 2.9928% | 6,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0726% | 5,998 |
| Loan loss allowance to noncurrent loans | 127.9142% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 1.6679% | 3,351 |
| Noncurrent loans to loans | 0.8386% | 4,998 |
| Net loans and leases to total assets | 70.7456% | 1,622 |
| Net loans and leases to deposits | 88.0675% | 1,153 |
| Net loans and leases to core deposits | 92.3349% | 1,619 |
| Total domestic deposits to total assets | 80.3310% | 5,774 |
| Equity capital to assets | 12.0136% | 2,028 |
| Core capital (leverage) ratio | 9.0108% | 4,824 |
| Tier 1 risk-based capital ratio | 11.2084% | 6,439 |
| Total risk-based capital ratio | 12.1765% | 6,558 |
| Memoranda: | ||
| Average total assets | $915,433,500 | 729 |
| Average earning assets | $783,173,500 | 767 |
| Average equity | $108,635,500 | 651 |
| Average total loans | $652,388,500 | 639 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4615% | 1,261 |
| Cost of funding earning assets | 1.2585% | 1,688 |
| Net interest margin | 4.2030% | 2,046 |
| Noninterest income to average assets | 0.7152% | 2,518 |
| Noninterest expense to average assets | 3.0372% | 3,455 |
| Loan and lease loss provision to assets | 0.6044% | 1,711 |
| Net operating income to assets | 0.4591% | 4,596 |
| Return on assets (ROA) | 0.5502% | 4,414 |
| Pretax return on assets | 0.8014% | 3,975 |
| Return on Equity (ROE) | 4.6008% | 4,571 |
| Retained earnings to average equity (ytd only) | 0.0501% | 5,815 |
| Net charge-offs to loans | 0.5914% | 2,679 |
| Credit loss provision to net charge-offs | 146.9436% | 1,945 |
| Earnings coverage of net charge-offs (x) | 3.0969% | 3,656 |
| Efficiency ratio | 69.8286% | 3,997 |
| Assets per employee ($millions) | 3.0198% | 6,040 |
| Cash dividends to net income (ytd only)* | 98.9120% | 351 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1054% | 5,796 |
| Loan loss allowance to noncurrent loans | 83.0195% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.8434% | 3,194 |
| Noncurrent loans to loans | 1.3315% | 4,152 |
| Net loans and leases to total assets | 70.2363% | 1,990 |
| Net loans and leases to deposits | 87.6049% | 1,436 |
| Net loans and leases to core deposits | 91.8060% | 1,908 |
| Total domestic deposits to total assets | 80.1740% | 5,694 |
| Equity capital to assets | 11.7225% | 2,322 |
| Core capital (leverage) ratio | 8.9162% | 4,905 |
| Tier 1 risk-based capital ratio | 11.0701% | 6,418 |
| Total risk-based capital ratio | 12.0772% | 6,527 |
| Memoranda: | ||
| Average total assets | $918,730,600 | 712 |
| Average earning assets | $786,010,400 | 751 |
| Average equity | $109,873,200 | 630 |
| Average total loans | $638,967,800 | 642 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4896% | 1,273 |
| Cost of funding earning assets | 1.2834% | 1,792 |
| Net interest margin | 4.2062% | 2,074 |
| Noninterest income to average assets | 0.7207% | 2,479 |
| Noninterest expense to average assets | 3.1526% | 2,984 |
| Loan and lease loss provision to assets | 0.5613% | 1,750 |
| Net operating income to assets | 0.4016% | 4,995 |
| Return on assets (ROA) | 0.5258% | 4,606 |
| Pretax return on assets | 0.7846% | 4,185 |
| Return on Equity (ROE) | 4.3751% | 4,822 |
| Retained earnings to average equity (ytd only) | 4.3751% | 3,614 |
| Net charge-offs to loans | 0.6583% | 2,278 |
| Credit loss provision to net charge-offs | 123.2462% | 2,615 |
| Earnings coverage of net charge-offs (x) | 2.5481% | 3,852 |
| Efficiency ratio | 72.4723% | 3,460 |
| Assets per employee ($millions) | 3.0488% | 6,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9366% | 6,492 |
| Loan loss allowance to noncurrent loans | 77.8701% | 3,649 |
| Noncurrent assets plus other real estate owned to assets | 1.8955% | 3,278 |
| Noncurrent loans to loans | 1.2028% | 4,533 |
| Net loans and leases to total assets | 70.8254% | 1,927 |
| Net loans and leases to deposits | 88.2755% | 1,401 |
| Net loans and leases to core deposits | 92.5684% | 1,928 |
| Total domestic deposits to total assets | 80.2322% | 5,665 |
| Equity capital to assets | 12.0779% | 2,192 |
| Core capital (leverage) ratio | 9.4038% | 4,300 |
| Tier 1 risk-based capital ratio | 11.5752% | 6,193 |
| Total risk-based capital ratio | 12.4379% | 6,421 |
| Memoranda: | ||
| Average total assets | $918,150,000 | 719 |
| Average earning assets | $784,151,000 | 761 |
| Average equity | $110,349,000 | 632 |
| Average total loans | $635,173,500 | 657 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5423% | 1,206 |
| Cost of funding earning assets | 1.3130% | 1,863 |
| Net interest margin | 4.2293% | 1,924 |
| Noninterest income to average assets | 0.6799% | 2,655 |
| Noninterest expense to average assets | 3.1489% | 3,084 |
| Loan and lease loss provision to assets | 0.5199% | 1,881 |
| Net operating income to assets | 0.4083% | 4,903 |
| Return on assets (ROA) | 0.4957% | 4,663 |
| Pretax return on assets | 0.7546% | 4,198 |
| Return on Equity (ROE) | 4.1313% | 4,867 |
| Retained earnings to average equity (ytd only) | 4.1313% | 3,567 |
| Net charge-offs to loans | 0.7158% | 2,082 |
| Credit loss provision to net charge-offs | 106.1971% | 2,904 |
| Earnings coverage of net charge-offs (x) | 2.3326% | 3,660 |
| Efficiency ratio | 72.7592% | 3,589 |
| Assets per employee ($millions) | 2.9190% | 6,261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8875% | 6,692 |
| Loan loss allowance to noncurrent loans | 85.4221% | 3,317 |
| Noncurrent assets plus other real estate owned to assets | 1.8951% | 3,373 |
| Noncurrent loans to loans | 1.0390% | 4,917 |
| Net loans and leases to total assets | 68.8401% | 2,446 |
| Net loans and leases to deposits | 86.0804% | 1,783 |
| Net loans and leases to core deposits | 90.3095% | 2,333 |
| Total domestic deposits to total assets | 79.9719% | 5,833 |
| Equity capital to assets | 12.2882% | 1,911 |
| Core capital (leverage) ratio | 9.2339% | 4,346 |
| Tier 1 risk-based capital ratio | 11.8441% | 5,902 |
| Total risk-based capital ratio | 12.6564% | 6,229 |
| Memoranda: | ||
| Average total assets | $916,271,000 | 727 |
| Average earning assets | $782,313,000 | 770 |
| Average equity | $109,940,670 | 635 |
| Average total loans | $626,744,000 | 681 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4778% | 1,360 |
| Cost of funding earning assets | 1.3456% | 1,917 |
| Net interest margin | 4.1322% | 2,147 |
| Noninterest income to average assets | 0.6470% | 2,864 |
| Noninterest expense to average assets | 3.1074% | 3,215 |
| Loan and lease loss provision to assets | 0.3763% | 2,309 |
| Net operating income to assets | 0.4489% | 4,723 |
| Return on assets (ROA) | 0.4537% | 4,788 |
| Pretax return on assets | 0.6961% | 4,315 |
| Return on Equity (ROE) | 3.8265% | 4,991 |
| Retained earnings to average equity (ytd only) | 3.8265% | 3,877 |
| Net charge-offs to loans | 0.9506% | 1,407 |
| Credit loss provision to net charge-offs | 58.3165% | 3,576 |
| Earnings coverage of net charge-offs (x) | 1.6505% | 3,487 |
| Efficiency ratio | 73.8284% | 3,542 |
| Assets per employee ($millions) | 2.8968% | 6,358 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7777% | 6,959 |
| Loan loss allowance to noncurrent loans | 63.4242% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 1.9402% | 3,384 |
| Noncurrent loans to loans | 1.2262% | 4,633 |
| Net loans and leases to total assets | 66.7956% | 2,814 |
| Net loans and leases to deposits | 82.9183% | 2,194 |
| Net loans and leases to core deposits | 86.9008% | 2,748 |
| Total domestic deposits to total assets | 80.5559% | 5,802 |
| Equity capital to assets | 11.8759% | 1,996 |
| Core capital (leverage) ratio | 8.9889% | 4,629 |
| Tier 1 risk-based capital ratio | 11.6366% | 5,996 |
| Total risk-based capital ratio | 12.3369% | 6,424 |
| Memoranda: | ||
| Average total assets | $920,507,000 | 729 |
| Average earning assets | $785,351,500 | 770 |
| Average equity | $109,135,000 | 634 |
| Average total loans | $624,853,000 | 692 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8428% | 1,167 |
| Cost of funding earning assets | 1.5751% | 2,215 |
| Net interest margin | 4.2677% | 1,928 |
| Noninterest income to average assets | 0.8309% | 2,137 |
| Noninterest expense to average assets | 3.2821% | 2,791 |
| Loan and lease loss provision to assets | 0.4102% | 3,648 |
| Net operating income to assets | 0.5951% | 3,693 |
| Return on assets (ROA) | 0.5469% | 4,053 |
| Pretax return on assets | 0.7435% | 3,819 |
| Return on Equity (ROE) | 4.5541% | 4,273 |
| Retained earnings to average equity (ytd only) | 0.2093% | 5,465 |
| Net charge-offs to loans | 0.8964% | 2,397 |
| Credit loss provision to net charge-offs | 65.0945% | 5,982 |
| Earnings coverage of net charge-offs (x) | 1.9345% | 4,276 |
| Efficiency ratio | 72.3195% | 3,731 |
| Assets per employee ($millions) | 2.9483% | 6,213 |
| Cash dividends to net income (ytd only)* | 95.4046% | 463 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8695% | 6,800 |
| Loan loss allowance to noncurrent loans | 84.4475% | 3,375 |
| Noncurrent assets plus other real estate owned to assets | 1.8982% | 3,482 |
| Noncurrent loans to loans | 1.0296% | 5,009 |
| Net loans and leases to total assets | 67.8529% | 3,017 |
| Net loans and leases to deposits | 84.7204% | 2,338 |
| Net loans and leases to core deposits | 88.7042% | 2,945 |
| Total domestic deposits to total assets | 80.0903% | 5,808 |
| Equity capital to assets | 11.8359% | 2,014 |
| Core capital (leverage) ratio | 8.8860% | 4,719 |
| Tier 1 risk-based capital ratio | 11.5227% | 5,891 |
| Total risk-based capital ratio | 12.3158% | 6,250 |
| Memoranda: | ||
| Average total assets | $915,237,600 | 734 |
| Average earning assets | $787,076,400 | 778 |
| Average equity | $109,901,800 | 610 |
| Average total loans | $643,316,400 | 683 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9079% | 1,119 |
| Cost of funding earning assets | 1.6111% | 2,327 |
| Net interest margin | 4.2968% | 1,858 |
| Noninterest income to average assets | 0.8385% | 2,038 |
| Noninterest expense to average assets | 3.2727% | 2,665 |
| Loan and lease loss provision to assets | 0.4259% | 3,357 |
| Net operating income to assets | 0.6044% | 3,865 |
| Return on assets (ROA) | 0.5417% | 4,296 |
| Pretax return on assets | 0.7534% | 4,072 |
| Return on Equity (ROE) | 4.4953% | 4,561 |
| Retained earnings to average equity (ytd only) | 4.4953% | 3,352 |
| Net charge-offs to loans | 0.5690% | 3,048 |
| Credit loss provision to net charge-offs | 105.7929% | 4,042 |
| Earnings coverage of net charge-offs (x) | 3.1456% | 3,568 |
| Efficiency ratio | 71.5088% | 3,796 |
| Assets per employee ($millions) | 2.7778% | 6,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1837% | 5,573 |
| Loan loss allowance to noncurrent loans | 68.5411% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.9888% | 3,482 |
| Noncurrent loans to loans | 1.7269% | 4,054 |
| Net loans and leases to total assets | 69.2784% | 2,908 |
| Net loans and leases to deposits | 86.3836% | 2,261 |
| Net loans and leases to core deposits | 90.8166% | 2,982 |
| Total domestic deposits to total assets | 80.1986% | 5,637 |
| Equity capital to assets | 12.1848% | 2,039 |
| Core capital (leverage) ratio | 9.2899% | 4,226 |
| Tier 1 risk-based capital ratio | 11.8513% | 5,589 |
| Total risk-based capital ratio | 12.9445% | 5,711 |
| Memoranda: | ||
| Average total assets | $914,816,500 | 736 |
| Average earning assets | $787,853,500 | 774 |
| Average equity | $110,245,750 | 600 |
| Average total loans | $647,241,750 | 680 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9414% | 1,076 |
| Cost of funding earning assets | 1.6269% | 2,499 |
| Net interest margin | 4.3145% | 1,721 |
| Noninterest income to average assets | 0.7752% | 2,256 |
| Noninterest expense to average assets | 3.2980% | 2,570 |
| Loan and lease loss provision to assets | 0.3042% | 3,961 |
| Net operating income to assets | 0.6129% | 3,826 |
| Return on assets (ROA) | 0.5225% | 4,387 |
| Pretax return on assets | 0.7619% | 4,020 |
| Return on Equity (ROE) | 4.3520% | 4,622 |
| Retained earnings to average equity (ytd only) | 4.3520% | 3,307 |
| Net charge-offs to loans | 0.5792% | 2,800 |
| Credit loss provision to net charge-offs | 74.0011% | 4,856 |
| Earnings coverage of net charge-offs (x) | 2.9121% | 3,539 |
| Efficiency ratio | 72.7711% | 3,700 |
| Assets per employee ($millions) | 2.8573% | 6,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0697% | 6,083 |
| Loan loss allowance to noncurrent loans | 66.1550% | 4,024 |
| Noncurrent assets plus other real estate owned to assets | 1.8153% | 3,736 |
| Noncurrent loans to loans | 1.6169% | 4,284 |
| Net loans and leases to total assets | 70.6254% | 2,765 |
| Net loans and leases to deposits | 88.1269% | 2,153 |
| Net loans and leases to core deposits | 93.5018% | 2,792 |
| Total domestic deposits to total assets | 80.1405% | 5,691 |
| Equity capital to assets | 12.2162% | 1,970 |
| Core capital (leverage) ratio | 9.1392% | 4,394 |
| Tier 1 risk-based capital ratio | 11.6075% | 5,669 |
| Total risk-based capital ratio | 12.6044% | 5,890 |
| Memoranda: | ||
| Average total assets | $913,270,330 | 733 |
| Average earning assets | $787,396,670 | 773 |
| Average equity | $109,649,670 | 601 |
| Average total loans | $648,117,670 | 685 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9196% | 1,157 |
| Cost of funding earning assets | 1.6379% | 2,723 |
| Net interest margin | 4.2817% | 1,745 |
| Noninterest income to average assets | 0.7573% | 2,256 |
| Noninterest expense to average assets | 3.2767% | 2,607 |
| Loan and lease loss provision to assets | 0.2752% | 3,822 |
| Net operating income to assets | 0.5916% | 3,926 |
| Return on assets (ROA) | 0.5167% | 4,450 |
| Pretax return on assets | 0.7783% | 3,960 |
| Return on Equity (ROE) | 4.3415% | 4,740 |
| Retained earnings to average equity (ytd only) | 4.3415% | 3,549 |
| Net charge-offs to loans | 0.5804% | 2,356 |
| Credit loss provision to net charge-offs | 67.0224% | 4,161 |
| Earnings coverage of net charge-offs (x) | 2.8420% | 3,128 |
| Efficiency ratio | 73.1262% | 3,737 |
| Assets per employee ($millions) | 2.6566% | 6,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1199% | 5,916 |
| Loan loss allowance to noncurrent loans | 67.2584% | 3,994 |
| Noncurrent assets plus other real estate owned to assets | 1.7695% | 3,833 |
| Noncurrent loans to loans | 1.6651% | 4,249 |
| Net loans and leases to total assets | 68.7830% | 3,204 |
| Net loans and leases to deposits | 85.4451% | 2,694 |
| Net loans and leases to core deposits | 94.7092% | 2,744 |
| Total domestic deposits to total assets | 80.4997% | 5,612 |
| Equity capital to assets | 11.9044% | 2,102 |
| Core capital (leverage) ratio | 9.1210% | 4,334 |
| Tier 1 risk-based capital ratio | 11.4854% | 5,687 |
| Total risk-based capital ratio | 12.5130% | 5,850 |
| Memoranda: | ||
| Average total assets | $912,740,500 | 748 |
| Average earning assets | $785,864,500 | 790 |
| Average equity | $108,626,500 | 607 |
| Average total loans | $645,811,000 | 705 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3452% | 946 |
| Cost of funding earning assets | 2.1496% | 2,234 |
| Net interest margin | 4.1956% | 2,077 |
| Noninterest income to average assets | 0.7810% | 2,502 |
| Noninterest expense to average assets | 3.3170% | 2,958 |
| Loan and lease loss provision to assets | 0.1854% | 5,858 |
| Net operating income to assets | 0.5785% | 3,416 |
| Return on assets (ROA) | 0.5135% | 3,772 |
| Pretax return on assets | 0.7906% | 3,278 |
| Return on Equity (ROE) | 4.4327% | 3,911 |
| Retained earnings to average equity (ytd only) | 0.0396% | 4,884 |
| Net charge-offs to loans | 1.5789% | 1,597 |
| Credit loss provision to net charge-offs | 15.9585% | 6,955 |
| Earnings coverage of net charge-offs (x) | 0.9262% | 5,189 |
| Efficiency ratio | 74.9108% | 3,724 |
| Assets per employee ($millions) | 2.6813% | 6,891 |
| Cash dividends to net income (ytd only)* | 99.1075% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1453% | 5,664 |
| Loan loss allowance to noncurrent loans | 50.9828% | 4,965 |
| Noncurrent assets plus other real estate owned to assets | 2.0829% | 3,296 |
| Noncurrent loans to loans | 2.2465% | 3,338 |
| Net loans and leases to total assets | 71.1410% | 2,962 |
| Net loans and leases to deposits | 89.0167% | 2,387 |
| Net loans and leases to core deposits | 114.5384% | 2,453 |
| Total domestic deposits to total assets | 79.9187% | 5,692 |
| Equity capital to assets | 11.8978% | 2,085 |
| Core capital (leverage) ratio | 8.9275% | 4,544 |
| Tier 1 risk-based capital ratio | 11.3695% | 5,545 |
| Total risk-based capital ratio | 12.4472% | 5,679 |
| Memoranda: | ||
| Average total assets | $938,195,400 | 719 |
| Average earning assets | $807,647,200 | 751 |
| Average equity | $108,692,400 | 601 |
| Average total loans | $690,174,400 | 676 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3801% | 962 |
| Cost of funding earning assets | 2.2422% | 2,218 |
| Net interest margin | 4.1378% | 2,258 |
| Noninterest income to average assets | 0.7574% | 2,665 |
| Noninterest expense to average assets | 3.2857% | 2,972 |
| Loan and lease loss provision to assets | 0.1998% | 5,390 |
| Net operating income to assets | 0.5499% | 3,794 |
| Return on assets (ROA) | 0.4856% | 4,147 |
| Pretax return on assets | 0.7390% | 3,737 |
| Return on Equity (ROE) | 4.2187% | 4,290 |
| Retained earnings to average equity (ytd only) | 4.2187% | 2,916 |
| Net charge-offs to loans | 1.7147% | 1,180 |
| Credit loss provision to net charge-offs | 15.7591% | 6,595 |
| Earnings coverage of net charge-offs (x) | 0.8172% | 5,233 |
| Efficiency ratio | 75.4222% | 3,601 |
| Assets per employee ($millions) | 2.5588% | 7,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3325% | 4,303 |
| Loan loss allowance to noncurrent loans | 55.5194% | 4,634 |
| Noncurrent assets plus other real estate owned to assets | 2.3914% | 2,882 |
| Noncurrent loans to loans | 2.4002% | 3,139 |
| Net loans and leases to total assets | 71.5351% | 3,146 |
| Net loans and leases to deposits | 88.9256% | 2,798 |
| Net loans and leases to core deposits | 117.7563% | 2,441 |
| Total domestic deposits to total assets | 80.4438% | 5,272 |
| Equity capital to assets | 11.9382% | 2,272 |
| Core capital (leverage) ratio | 8.9282% | 4,766 |
| Tier 1 risk-based capital ratio | 11.2567% | 5,682 |
| Total risk-based capital ratio | 12.4889% | 5,651 |
| Memoranda: | ||
| Average total assets | $946,172,750 | 721 |
| Average earning assets | $815,059,750 | 761 |
| Average equity | $108,908,500 | 609 |
| Average total loans | $699,665,250 | 683 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4604% | 899 |
| Cost of funding earning assets | 2.2687% | 2,496 |
| Net interest margin | 4.1917% | 2,028 |
| Noninterest income to average assets | 0.7455% | 2,724 |
| Noninterest expense to average assets | 3.2745% | 3,066 |
| Loan and lease loss provision to assets | 0.1875% | 5,156 |
| Net operating income to assets | 0.5806% | 3,769 |
| Return on assets (ROA) | 0.4930% | 4,238 |
| Pretax return on assets | 0.7544% | 3,818 |
| Return on Equity (ROE) | 4.3356% | 4,366 |
| Retained earnings to average equity (ytd only) | 4.3356% | 2,884 |
| Net charge-offs to loans | 2.3687% | 751 |
| Credit loss provision to net charge-offs | 10.6358% | 6,184 |
| Earnings coverage of net charge-offs (x) | 0.6108% | 5,100 |
| Efficiency ratio | 74.6599% | 3,928 |
| Assets per employee ($millions) | 2.5465% | 7,157 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3138% | 4,192 |
| Loan loss allowance to noncurrent loans | 49.8068% | 5,036 |
| Noncurrent assets plus other real estate owned to assets | 2.7669% | 2,329 |
| Noncurrent loans to loans | 2.6377% | 2,745 |
| Net loans and leases to total assets | 72.1698% | 3,171 |
| Net loans and leases to deposits | 91.6359% | 2,538 |
| Net loans and leases to core deposits | 119.9701% | 2,373 |
| Total domestic deposits to total assets | 78.7571% | 5,876 |
| Equity capital to assets | 11.4606% | 2,564 |
| Core capital (leverage) ratio | 8.8208% | 4,909 |
| Tier 1 risk-based capital ratio | 10.7145% | 6,170 |
| Total risk-based capital ratio | 11.9245% | 6,144 |
| Memoranda: | ||
| Average total assets | $949,385,670 | 737 |
| Average earning assets | $816,664,670 | 780 |
| Average equity | $107,943,000 | 625 |
| Average total loans | $706,554,000 | 695 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6612% | 625 |
| Cost of funding earning assets | 2.3454% | 2,523 |
| Net interest margin | 4.3158% | 1,560 |
| Noninterest income to average assets | 0.6258% | 3,377 |
| Noninterest expense to average assets | 3.1818% | 3,067 |
| Loan and lease loss provision to assets | 0.3587% | 3,169 |
| Net operating income to assets | 0.5195% | 4,342 |
| Return on assets (ROA) | 0.5195% | 4,527 |
| Pretax return on assets | 0.7917% | 4,106 |
| Return on Equity (ROE) | 4.5873% | 4,667 |
| Retained earnings to average equity (ytd only) | 4.5873% | 3,376 |
| Net charge-offs to loans | 1.4739% | 979 |
| Credit loss provision to net charge-offs | 32.4180% | 4,919 |
| Earnings coverage of net charge-offs (x) | 1.0397% | 4,244 |
| Efficiency ratio | 72.8424% | 4,028 |
| Assets per employee ($millions) | 2.6738% | 6,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0924% | 1,248 |
| Loan loss allowance to noncurrent loans | 112.3412% | 2,760 |
| Noncurrent assets plus other real estate owned to assets | 2.3320% | 2,463 |
| Noncurrent loans to loans | 1.8625% | 3,474 |
| Net loans and leases to total assets | 72.6221% | 3,088 |
| Net loans and leases to deposits | 94.5755% | 2,176 |
| Net loans and leases to core deposits | 124.7804% | 2,008 |
| Total domestic deposits to total assets | 76.7874% | 6,340 |
| Equity capital to assets | 11.2867% | 2,736 |
| Core capital (leverage) ratio | 8.6587% | 5,234 |
| Tier 1 risk-based capital ratio | 10.3625% | 6,531 |
| Total risk-based capital ratio | 11.6123% | 6,447 |
| Memoranda: | ||
| Average total assets | $947,889,500 | 739 |
| Average earning assets | $814,024,500 | 783 |
| Average equity | $107,340,500 | 625 |
| Average total loans | $711,591,500 | 697 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4874% | 419 |
| Cost of funding earning assets | 2.9312% | 2,140 |
| Net interest margin | 4.5562% | 1,296 |
| Noninterest income to average assets | 0.7648% | 2,695 |
| Noninterest expense to average assets | 3.2515% | 3,151 |
| Loan and lease loss provision to assets | 1.8465% | 679 |
| Net operating income to assets | -0.1050% | 6,502 |
| Return on assets (ROA) | -0.1363% | 6,389 |
| Pretax return on assets | -0.4467% | 6,601 |
| Return on Equity (ROE) | -1.1620% | 6,384 |
| Retained earnings to average equity (ytd only) | -6.5005% | 6,725 |
| Net charge-offs to loans | 1.4029% | 838 |
| Credit loss provision to net charge-offs | 171.1866% | 2,986 |
| Earnings coverage of net charge-offs (x) | 1.3431% | 5,456 |
| Efficiency ratio | 68.6287% | 4,605 |
| Assets per employee ($millions) | 2.9330% | 6,212 |
| Cash dividends to net income (ytd only)* | -459.4181% | 8,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3316% | 816 |
| Loan loss allowance to noncurrent loans | 168.1634% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 1.8341% | 2,692 |
| Noncurrent loans to loans | 1.3865% | 3,743 |
| Net loans and leases to total assets | 74.2144% | 3,053 |
| Net loans and leases to deposits | 96.3654% | 2,390 |
| Net loans and leases to core deposits | 127.9348% | 2,002 |
| Total domestic deposits to total assets | 77.0135% | 5,987 |
| Equity capital to assets | 11.3624% | 2,739 |
| Core capital (leverage) ratio | 8.5742% | 5,436 |
| Tier 1 risk-based capital ratio | 10.2513% | 6,467 |
| Total risk-based capital ratio | 11.5129% | 6,326 |
| Memoranda: | ||
| Average total assets | $957,875,600 | 693 |
| Average earning assets | $827,348,000 | 730 |
| Average equity | $112,392,200 | 597 |
| Average total loans | $736,477,800 | 653 |