Home > Summit Bank > Performance and Condition Ratios
Summit Bank, Performance and Condition Ratios
| 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 | 4.7147% | 2,315 |
| Cost of funding earning assets | 0.7229% | 3,028 |
| Net interest margin | 3.9919% | 1,948 |
| Noninterest income to average assets | 1.1815% | 615 |
| Noninterest expense to average assets | 2.4051% | 3,722 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.9140% | 462 |
| Return on assets (ROA) | 1.9140% | 484 |
| Pretax return on assets | 2.4974% | 243 |
| Return on Equity (ROE) | 16.7530% | 492 |
| Retained earnings to average equity (ytd only) | 16.7530% | 110 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0420% | 4,834 |
| Assets per employee ($millions) | 11.1155% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5234% | 1,203 |
| Loan loss allowance to noncurrent loans | 365.4591% | 1,319 |
| Noncurrent assets plus other real estate owned to assets | 0.3666% | 3,060 |
| Noncurrent loans to loans | 0.4168% | 3,040 |
| Net loans and leases to total assets | 53.6777% | 4,234 |
| Net loans and leases to deposits | 61.8869% | 4,337 |
| Net loans and leases to core deposits | 66.0421% | 4,316 |
| Total domestic deposits to total assets | 86.7352% | 1,711 |
| Equity capital to assets | 11.4584% | 2,634 |
| Core capital (leverage) ratio | 11.5293% | 2,136 |
| Tier 1 risk-based capital ratio | 16.7291% | 2,170 |
| Total risk-based capital ratio | 17.9370% | 2,126 |
| Memoranda: | ||
| Average total assets | $504,604,670 | 1,422 |
| Average earning assets | $470,357,330 | 1,414 |
| Average equity | $57,649,330 | 1,405 |
| Average total loans | $287,847,670 | 1,669 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0137% | 1,308 |
| Cost of funding earning assets | 0.7208% | 2,942 |
| Net interest margin | 4.2929% | 1,108 |
| Noninterest income to average assets | 1.3734% | 453 |
| Noninterest expense to average assets | 2.7218% | 2,841 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.9964% | 385 |
| Return on assets (ROA) | 1.9964% | 402 |
| Pretax return on assets | 2.6403% | 197 |
| Return on Equity (ROE) | 17.5017% | 446 |
| Retained earnings to average equity (ytd only) | 17.5017% | 164 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7449% | 4,775 |
| Assets per employee ($millions) | 10.6015% | 287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5414% | 1,207 |
| Loan loss allowance to noncurrent loans | 342.9249% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 0.6616% | 2,112 |
| Noncurrent loans to loans | 0.4495% | 2,972 |
| Net loans and leases to total assets | 53.3427% | 4,249 |
| Net loans and leases to deposits | 61.6829% | 4,322 |
| Net loans and leases to core deposits | 66.0242% | 4,277 |
| Total domestic deposits to total assets | 86.4790% | 2,085 |
| Equity capital to assets | 11.1311% | 2,721 |
| Core capital (leverage) ratio | 11.6844% | 1,997 |
| Tier 1 risk-based capital ratio | 16.3787% | 2,309 |
| Total risk-based capital ratio | 17.6099% | 2,258 |
| Memoranda: | ||
| Average total assets | $495,692,500 | 1,448 |
| Average earning assets | $460,577,000 | 1,450 |
| Average equity | $56,543,000 | 1,424 |
| Average total loans | $289,388,500 | 1,665 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5022% | 2,452 |
| Cost of funding earning assets | 0.6120% | 2,636 |
| Net interest margin | 3.8902% | 2,353 |
| Noninterest income to average assets | 0.9463% | 1,070 |
| Noninterest expense to average assets | 2.3198% | 4,078 |
| Loan and lease loss provision to assets | 0.1424% | 1,509 |
| Net operating income to assets | 1.6005% | 867 |
| Return on assets (ROA) | 1.5987% | 858 |
| Pretax return on assets | 2.1028% | 437 |
| Return on Equity (ROE) | 13.6407% | 1,142 |
| Retained earnings to average equity (ytd only) | 13.6407% | 188 |
| Net charge-offs to loans | 0.0446% | 2,536 |
| Credit loss provision to net charge-offs | 492.1875% | 701 |
| Earnings coverage of net charge-offs (x) | 77.6719% | 872 |
| Efficiency ratio | 50.7721% | 4,888 |
| Assets per employee ($millions) | 9.0855% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4589% | 1,421 |
| Loan loss allowance to noncurrent loans | 320.1476% | 1,565 |
| Noncurrent assets plus other real estate owned to assets | 0.7465% | 1,861 |
| Noncurrent loans to loans | 0.4557% | 2,899 |
| Net loans and leases to total assets | 62.0174% | 3,564 |
| Net loans and leases to deposits | 72.4274% | 3,633 |
| Net loans and leases to core deposits | 76.7496% | 3,662 |
| Total domestic deposits to total assets | 85.6270% | 2,386 |
| Equity capital to assets | 11.6972% | 2,098 |
| Core capital (leverage) ratio | 11.7011% | 1,949 |
| Tier 1 risk-based capital ratio | 15.0416% | 2,812 |
| Total risk-based capital ratio | 16.2234% | 2,770 |
| Memoranda: | ||
| Average total assets | $442,357,000 | 1,557 |
| Average earning assets | $411,750,200 | 1,552 |
| Average equity | $51,844,800 | 1,464 |
| Average total loans | $287,124,200 | 1,652 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4420% | 2,493 |
| Cost of funding earning assets | 0.5445% | 2,901 |
| Net interest margin | 3.8976% | 2,312 |
| Noninterest income to average assets | 0.8567% | 1,315 |
| Noninterest expense to average assets | 2.3383% | 3,998 |
| Loan and lease loss provision to assets | 0.1932% | 913 |
| Net operating income to assets | 1.4849% | 1,237 |
| Return on assets (ROA) | 1.4825% | 1,240 |
| Pretax return on assets | 1.9461% | 732 |
| Return on Equity (ROE) | 12.6426% | 1,566 |
| Retained earnings to average equity (ytd only) | 12.6426% | 399 |
| Net charge-offs to loans | 0.0862% | 1,646 |
| Credit loss provision to net charge-offs | 342.3913% | 919 |
| Earnings coverage of net charge-offs (x) | 37.9724% | 1,396 |
| Efficiency ratio | 52.1659% | 4,795 |
| Assets per employee ($millions) | 8.4626% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4251% | 1,606 |
| Loan loss allowance to noncurrent loans | 134.0639% | 2,959 |
| Noncurrent assets plus other real estate owned to assets | 0.8780% | 1,679 |
| Noncurrent loans to loans | 1.0630% | 1,606 |
| Net loans and leases to total assets | 66.0381% | 3,169 |
| Net loans and leases to deposits | 79.3959% | 3,100 |
| Net loans and leases to core deposits | 84.6894% | 3,103 |
| Total domestic deposits to total assets | 83.1757% | 3,240 |
| Equity capital to assets | 11.9806% | 1,920 |
| Core capital (leverage) ratio | 11.8521% | 1,876 |
| Tier 1 risk-based capital ratio | 14.1957% | 3,274 |
| Total risk-based capital ratio | 15.3437% | 3,239 |
| Memoranda: | ||
| Average total assets | $434,834,250 | 1,587 |
| Average earning assets | $404,311,250 | 1,585 |
| Average equity | $50,990,250 | 1,485 |
| Average total loans | $284,570,750 | 1,669 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3687% | 2,514 |
| Cost of funding earning assets | 0.5183% | 2,865 |
| Net interest margin | 3.8504% | 2,381 |
| Noninterest income to average assets | 0.8348% | 1,370 |
| Noninterest expense to average assets | 2.2883% | 4,169 |
| Loan and lease loss provision to assets | 0.2231% | 731 |
| Net operating income to assets | 1.4493% | 1,283 |
| Return on assets (ROA) | 1.4456% | 1,298 |
| Pretax return on assets | 1.8965% | 780 |
| Return on Equity (ROE) | 12.4213% | 1,571 |
| Retained earnings to average equity (ytd only) | 12.4213% | 459 |
| Net charge-offs to loans | 0.0981% | 1,374 |
| Credit loss provision to net charge-offs | 350.3650% | 902 |
| Earnings coverage of net charge-offs (x) | 33.3577% | 1,418 |
| Efficiency ratio | 51.8382% | 4,906 |
| Assets per employee ($millions) | 8.5979% | 507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4637% | 1,504 |
| Loan loss allowance to noncurrent loans | 122.7313% | 3,091 |
| Noncurrent assets plus other real estate owned to assets | 0.9280% | 1,622 |
| Noncurrent loans to loans | 1.1926% | 1,459 |
| Net loans and leases to total assets | 62.9253% | 3,514 |
| Net loans and leases to deposits | 75.8761% | 3,348 |
| Net loans and leases to core deposits | 80.6379% | 3,360 |
| Total domestic deposits to total assets | 82.9316% | 3,425 |
| Equity capital to assets | 11.6274% | 2,106 |
| Core capital (leverage) ratio | 11.6272% | 1,965 |
| Tier 1 risk-based capital ratio | 14.5289% | 3,103 |
| Total risk-based capital ratio | 15.7147% | 3,043 |
| Memoranda: | ||
| Average total assets | $430,273,330 | 1,610 |
| Average earning assets | $399,802,670 | 1,605 |
| Average equity | $50,075,330 | 1,522 |
| Average total loans | $279,269,670 | 1,694 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2257% | 2,800 |
| Cost of funding earning assets | 0.4472% | 3,217 |
| Net interest margin | 3.7785% | 2,508 |
| Noninterest income to average assets | 0.7936% | 1,480 |
| Noninterest expense to average assets | 2.2434% | 4,319 |
| Loan and lease loss provision to assets | 0.3793% | 308 |
| Net operating income to assets | 1.2841% | 1,702 |
| Return on assets (ROA) | 1.2886% | 1,683 |
| Pretax return on assets | 1.6858% | 1,151 |
| Return on Equity (ROE) | 11.0667% | 1,946 |
| Retained earnings to average equity (ytd only) | 11.0667% | 884 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1155% | 4,956 |
| Assets per employee ($millions) | 9.1349% | 421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5120% | 1,421 |
| Loan loss allowance to noncurrent loans | 115.8010% | 3,181 |
| Noncurrent assets plus other real estate owned to assets | 1.0253% | 1,530 |
| Noncurrent loans to loans | 1.3057% | 1,368 |
| Net loans and leases to total assets | 64.2678% | 3,273 |
| Net loans and leases to deposits | 78.4427% | 2,965 |
| Net loans and leases to core deposits | 82.8164% | 3,078 |
| Total domestic deposits to total assets | 81.9296% | 3,986 |
| Equity capital to assets | 11.6253% | 2,043 |
| Core capital (leverage) ratio | 11.5435% | 1,976 |
| Tier 1 risk-based capital ratio | 13.9058% | 3,429 |
| Total risk-based capital ratio | 15.0975% | 3,381 |
| Memoranda: | ||
| Average total assets | $421,865,500 | 1,650 |
| Average earning assets | $391,797,500 | 1,642 |
| Average equity | $49,120,500 | 1,557 |
| Average total loans | $276,149,000 | 1,711 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8975% | 3,732 |
| Cost of funding earning assets | 0.3579% | 3,636 |
| Net interest margin | 3.5396% | 3,380 |
| Noninterest income to average assets | 0.7676% | 1,703 |
| Noninterest expense to average assets | 2.4844% | 3,836 |
| Loan and lease loss provision to assets | 0.1719% | 1,278 |
| Net operating income to assets | 0.7607% | 3,345 |
| Return on assets (ROA) | 0.7745% | 3,320 |
| Pretax return on assets | 1.3959% | 2,007 |
| Return on Equity (ROE) | 6.5773% | 3,494 |
| Retained earnings to average equity (ytd only) | 6.5773% | 1,244 |
| Net charge-offs to loans | -0.0004% | 4,473 |
| Credit loss provision to net charge-offs | -68,100.0000% | 5,293 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6107% | 4,000 |
| Assets per employee ($millions) | 8.4570% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4096% | 1,727 |
| Loan loss allowance to noncurrent loans | 109.3812% | 3,361 |
| Noncurrent assets plus other real estate owned to assets | 1.0410% | 1,468 |
| Noncurrent loans to loans | 1.2887% | 1,360 |
| Net loans and leases to total assets | 64.7453% | 3,264 |
| Net loans and leases to deposits | 79.9967% | 2,919 |
| Net loans and leases to core deposits | 84.6802% | 3,009 |
| Total domestic deposits to total assets | 80.9350% | 4,133 |
| Equity capital to assets | 11.6626% | 2,067 |
| Core capital (leverage) ratio | 11.2899% | 2,101 |
| Tier 1 risk-based capital ratio | 13.5344% | 3,612 |
| Total risk-based capital ratio | 14.6150% | 3,618 |
| Memoranda: | ||
| Average total assets | $396,151,600 | 1,715 |
| Average earning assets | $365,209,800 | 1,734 |
| Average equity | $46,645,000 | 1,615 |
| Average total loans | $241,364,600 | 1,871 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8251% | 3,919 |
| Cost of funding earning assets | 0.3477% | 3,693 |
| Net interest margin | 3.4774% | 3,578 |
| Noninterest income to average assets | 0.8005% | 1,585 |
| Noninterest expense to average assets | 2.4920% | 3,767 |
| Loan and lease loss provision to assets | 0.1260% | 1,721 |
| Net operating income to assets | 0.9367% | 2,846 |
| Return on assets (ROA) | 0.9513% | 2,834 |
| Pretax return on assets | 1.4052% | 2,099 |
| Return on Equity (ROE) | 8.0591% | 3,098 |
| Retained earnings to average equity (ytd only) | 8.0591% | 1,197 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2479% | 3,844 |
| Assets per employee ($millions) | 8.6064% | 500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3971% | 1,906 |
| Loan loss allowance to noncurrent loans | 188.8532% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 0.6606% | 2,526 |
| Noncurrent loans to loans | 0.7398% | 2,509 |
| Net loans and leases to total assets | 60.2066% | 3,835 |
| Net loans and leases to deposits | 74.0143% | 3,561 |
| Net loans and leases to core deposits | 75.4320% | 3,849 |
| Total domestic deposits to total assets | 81.3446% | 3,960 |
| Equity capital to assets | 11.5940% | 2,283 |
| Core capital (leverage) ratio | 11.6201% | 1,934 |
| Tier 1 risk-based capital ratio | 14.2399% | 3,333 |
| Total risk-based capital ratio | 15.2903% | 3,339 |
| Memoranda: | ||
| Average total assets | $391,591,250 | 1,754 |
| Average earning assets | $360,488,750 | 1,760 |
| Average equity | $46,224,000 | 1,641 |
| Average total loans | $233,671,750 | 1,920 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7381% | 4,111 |
| Cost of funding earning assets | 0.3491% | 3,591 |
| Net interest margin | 3.3890% | 3,809 |
| Noninterest income to average assets | 0.7731% | 1,674 |
| Noninterest expense to average assets | 2.5597% | 3,553 |
| Loan and lease loss provision to assets | 0.0624% | 2,721 |
| Net operating income to assets | 0.8585% | 3,122 |
| Return on assets (ROA) | 0.8808% | 3,076 |
| Pretax return on assets | 1.2903% | 2,426 |
| Return on Equity (ROE) | 7.4146% | 3,334 |
| Retained earnings to average equity (ytd only) | 7.4146% | 1,389 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9515% | 3,362 |
| Assets per employee ($millions) | 8.1704% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3557% | 2,147 |
| Loan loss allowance to noncurrent loans | 172.5883% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.6817% | 2,508 |
| Noncurrent loans to loans | 0.7855% | 2,443 |
| Net loans and leases to total assets | 58.3156% | 3,992 |
| Net loans and leases to deposits | 71.1965% | 3,806 |
| Net loans and leases to core deposits | 73.7889% | 3,958 |
| Total domestic deposits to total assets | 81.9080% | 3,913 |
| Equity capital to assets | 11.4422% | 2,375 |
| Core capital (leverage) ratio | 11.5871% | 1,910 |
| Tier 1 risk-based capital ratio | 14.0503% | 3,408 |
| Total risk-based capital ratio | 15.0361% | 3,461 |
| Memoranda: | ||
| Average total assets | $384,418,670 | 1,788 |
| Average earning assets | $352,374,000 | 1,807 |
| Average equity | $45,666,670 | 1,661 |
| Average total loans | $227,481,330 | 1,959 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6902% | 4,140 |
| Cost of funding earning assets | 0.3387% | 3,652 |
| Net interest margin | 3.3515% | 3,840 |
| Noninterest income to average assets | 0.8690% | 1,339 |
| Noninterest expense to average assets | 2.7156% | 3,084 |
| Loan and lease loss provision to assets | 0.0537% | 2,730 |
| Net operating income to assets | 0.8100% | 3,177 |
| Return on assets (ROA) | 0.8100% | 3,235 |
| Pretax return on assets | 1.1720% | 2,701 |
| Return on Equity (ROE) | 6.6832% | 3,562 |
| Retained earnings to average equity (ytd only) | 6.6832% | 1,991 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8744% | 3,069 |
| Assets per employee ($millions) | 7.7829% | 676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4147% | 2,020 |
| Loan loss allowance to noncurrent loans | 165.8385% | 2,606 |
| Noncurrent assets plus other real estate owned to assets | 0.7388% | 2,451 |
| Noncurrent loans to loans | 0.8531% | 2,325 |
| Net loans and leases to total assets | 57.3753% | 4,027 |
| Net loans and leases to deposits | 70.7282% | 3,722 |
| Net loans and leases to core deposits | 73.3109% | 3,893 |
| Total domestic deposits to total assets | 81.1208% | 4,391 |
| Equity capital to assets | 11.7399% | 2,007 |
| Core capital (leverage) ratio | 12.0848% | 1,571 |
| Tier 1 risk-based capital ratio | 14.7623% | 3,090 |
| Total risk-based capital ratio | 15.7968% | 3,106 |
| Memoranda: | ||
| Average total assets | $372,367,000 | 1,850 |
| Average earning assets | $341,338,000 | 1,865 |
| Average equity | $45,128,000 | 1,683 |
| Average total loans | $220,469,000 | 2,022 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7524% | 4,048 |
| Cost of funding earning assets | 0.2633% | 4,434 |
| Net interest margin | 3.4891% | 3,478 |
| Noninterest income to average assets | 0.8907% | 1,442 |
| Noninterest expense to average assets | 2.7027% | 3,333 |
| Loan and lease loss provision to assets | 0.0447% | 3,490 |
| Net operating income to assets | 0.9155% | 2,750 |
| Return on assets (ROA) | 0.9192% | 2,844 |
| Pretax return on assets | 1.3392% | 2,149 |
| Return on Equity (ROE) | 7.6542% | 3,142 |
| Retained earnings to average equity (ytd only) | 7.6542% | 976 |
| Net charge-offs to loans | -0.0782% | 5,515 |
| Credit loss provision to net charge-offs | -98.7654% | 4,896 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1876% | 3,565 |
| Assets per employee ($millions) | 7.2570% | 818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4707% | 1,795 |
| Loan loss allowance to noncurrent loans | 158.3333% | 2,701 |
| Noncurrent assets plus other real estate owned to assets | 0.8476% | 2,228 |
| Noncurrent loans to loans | 0.9288% | 2,235 |
| Net loans and leases to total assets | 59.4245% | 3,916 |
| Net loans and leases to deposits | 75.3961% | 3,379 |
| Net loans and leases to core deposits | 80.0212% | 3,395 |
| Total domestic deposits to total assets | 78.8164% | 4,834 |
| Equity capital to assets | 12.5343% | 1,506 |
| Core capital (leverage) ratio | 12.4468% | 1,356 |
| Tier 1 risk-based capital ratio | 15.3715% | 2,806 |
| Total risk-based capital ratio | 16.4499% | 2,818 |
| Memoranda: | ||
| Average total assets | $358,047,000 | 1,863 |
| Average earning assets | $327,417,800 | 1,885 |
| Average equity | $42,995,800 | 1,725 |
| Average total loans | $207,281,400 | 2,062 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8006% | 3,917 |
| Cost of funding earning assets | 0.2614% | 4,493 |
| Net interest margin | 3.5392% | 3,322 |
| Noninterest income to average assets | 0.9256% | 1,330 |
| Noninterest expense to average assets | 2.7502% | 3,178 |
| Loan and lease loss provision to assets | 0.0595% | 3,067 |
| Net operating income to assets | 0.9246% | 2,785 |
| Return on assets (ROA) | 0.9197% | 2,931 |
| Pretax return on assets | 1.3398% | 2,274 |
| Return on Equity (ROE) | 7.7428% | 3,151 |
| Retained earnings to average equity (ytd only) | 7.7428% | 1,288 |
| Net charge-offs to loans | -0.0350% | 5,220 |
| Credit loss provision to net charge-offs | -296.2963% | 4,951 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1390% | 3,567 |
| Assets per employee ($millions) | 7.2417% | 805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4760% | 1,858 |
| Loan loss allowance to noncurrent loans | 119.8741% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 0.9868% | 2,098 |
| Noncurrent loans to loans | 1.2313% | 1,824 |
| Net loans and leases to total assets | 56.1520% | 4,296 |
| Net loans and leases to deposits | 66.7456% | 4,269 |
| Net loans and leases to core deposits | 70.7246% | 4,267 |
| Total domestic deposits to total assets | 84.1284% | 3,173 |
| Equity capital to assets | 12.1294% | 2,017 |
| Core capital (leverage) ratio | 12.4635% | 1,408 |
| Tier 1 risk-based capital ratio | 15.1278% | 2,983 |
| Total risk-based capital ratio | 16.1719% | 3,015 |
| Memoranda: | ||
| Average total assets | $358,661,000 | 1,866 |
| Average earning assets | $327,409,750 | 1,892 |
| Average equity | $42,602,000 | 1,745 |
| Average total loans | $205,486,250 | 2,084 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6936% | 4,317 |
| Cost of funding earning assets | 0.2647% | 4,505 |
| Net interest margin | 3.4289% | 3,761 |
| Noninterest income to average assets | 0.6853% | 2,210 |
| Noninterest expense to average assets | 2.6958% | 3,410 |
| Loan and lease loss provision to assets | 0.0336% | 3,479 |
| Net operating income to assets | 0.7517% | 3,540 |
| Return on assets (ROA) | 0.7435% | 3,738 |
| Pretax return on assets | 1.0606% | 3,361 |
| Return on Equity (ROE) | 6.3041% | 3,901 |
| Retained earnings to average equity (ytd only) | 6.3041% | 1,959 |
| Net charge-offs to loans | -0.0478% | 5,345 |
| Credit loss provision to net charge-offs | -122.4490% | 4,632 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8799% | 2,848 |
| Assets per employee ($millions) | 7.4000% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3994% | 2,301 |
| Loan loss allowance to noncurrent loans | 106.3268% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 1.0825% | 1,958 |
| Noncurrent loans to loans | 1.3162% | 1,716 |
| Net loans and leases to total assets | 57.1467% | 4,203 |
| Net loans and leases to deposits | 68.6320% | 4,120 |
| Net loans and leases to core deposits | 73.4808% | 4,035 |
| Total domestic deposits to total assets | 83.2654% | 3,550 |
| Equity capital to assets | 11.8083% | 2,264 |
| Core capital (leverage) ratio | 11.7380% | 1,822 |
| Tier 1 risk-based capital ratio | 15.1359% | 3,015 |
| Total risk-based capital ratio | 16.1715% | 3,055 |
| Memoranda: | ||
| Average total assets | $357,519,000 | 1,878 |
| Average earning assets | $324,940,000 | 1,905 |
| Average equity | $42,163,000 | 1,759 |
| Average total loans | $205,193,330 | 2,094 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5888% | 4,649 |
| Cost of funding earning assets | 0.2619% | 4,589 |
| Net interest margin | 3.3269% | 4,119 |
| Noninterest income to average assets | 0.9770% | 1,132 |
| Noninterest expense to average assets | 2.7945% | 3,088 |
| Loan and lease loss provision to assets | 0.0676% | 2,607 |
| Net operating income to assets | 0.7521% | 3,473 |
| Return on assets (ROA) | 0.7133% | 3,764 |
| Pretax return on assets | 1.0896% | 3,132 |
| Return on Equity (ROE) | 6.0522% | 3,960 |
| Retained earnings to average equity (ytd only) | 6.0522% | 2,349 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6348% | 3,197 |
| Assets per employee ($millions) | 7.6822% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4043% | 2,398 |
| Loan loss allowance to noncurrent loans | 95.6982% | 3,714 |
| Noncurrent assets plus other real estate owned to assets | 1.1380% | 1,941 |
| Noncurrent loans to loans | 1.4674% | 1,605 |
| Net loans and leases to total assets | 56.2362% | 4,227 |
| Net loans and leases to deposits | 69.5579% | 3,893 |
| Net loans and leases to core deposits | 74.8263% | 3,809 |
| Total domestic deposits to total assets | 80.8479% | 4,538 |
| Equity capital to assets | 11.6833% | 2,260 |
| Core capital (leverage) ratio | 11.8536% | 1,709 |
| Tier 1 risk-based capital ratio | 15.2273% | 3,048 |
| Total risk-based capital ratio | 16.2688% | 3,084 |
| Memoranda: | ||
| Average total assets | $354,977,500 | 1,888 |
| Average earning assets | $323,787,500 | 1,916 |
| Average equity | $41,836,000 | 1,766 |
| Average total loans | $202,712,000 | 2,116 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4688% | 1,692 |
| Cost of funding earning assets | 0.3321% | 3,881 |
| Net interest margin | 4.1367% | 1,317 |
| Noninterest income to average assets | 1.8939% | 386 |
| Noninterest expense to average assets | 4.3265% | 470 |
| Loan and lease loss provision to assets | 0.1562% | 1,502 |
| Net operating income to assets | 0.7745% | 3,447 |
| Return on assets (ROA) | 0.7745% | 3,523 |
| Pretax return on assets | 1.0942% | 3,088 |
| Return on Equity (ROE) | 6.7015% | 3,683 |
| Retained earnings to average equity (ytd only) | 6.7015% | 1,439 |
| Net charge-offs to loans | 0.0846% | 2,625 |
| Credit loss provision to net charge-offs | 351.6129% | 850 |
| Earnings coverage of net charge-offs (x) | 28.1548% | 1,516 |
| Efficiency ratio | 77.5483% | 2,041 |
| Assets per employee ($millions) | 7.4232% | 731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 2,328 |
| Loan loss allowance to noncurrent loans | 95.0017% | 3,787 |
| Noncurrent assets plus other real estate owned to assets | 1.1875% | 1,832 |
| Noncurrent loans to loans | 1.4944% | 1,554 |
| Net loans and leases to total assets | 56.3647% | 4,265 |
| Net loans and leases to deposits | 67.8068% | 4,146 |
| Net loans and leases to core deposits | 73.0942% | 4,032 |
| Total domestic deposits to total assets | 83.1254% | 3,800 |
| Equity capital to assets | 11.8914% | 2,036 |
| Core capital (leverage) ratio | 11.3440% | 2,090 |
| Tier 1 risk-based capital ratio | 15.4842% | 2,938 |
| Total risk-based capital ratio | 16.5372% | 2,978 |
| Memoranda: | ||
| Average total assets | $349,010,400 | 1,873 |
| Average earning assets | $310,730,600 | 1,952 |
| Average equity | $40,334,000 | 1,784 |
| Average total loans | $183,253,400 | 2,206 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2430% | 2,434 |
| Cost of funding earning assets | 0.3321% | 3,957 |
| Net interest margin | 3.9109% | 1,996 |
| Noninterest income to average assets | 1.2056% | 830 |
| Noninterest expense to average assets | 3.4142% | 1,451 |
| Loan and lease loss provision to assets | 0.0527% | 3,142 |
| Net operating income to assets | 0.7915% | 3,471 |
| Return on assets (ROA) | 0.7915% | 3,559 |
| Pretax return on assets | 1.2021% | 2,813 |
| Return on Equity (ROE) | 6.8987% | 3,684 |
| Retained earnings to average equity (ytd only) | 6.8987% | 1,737 |
| Net charge-offs to loans | 0.0357% | 3,194 |
| Credit loss provision to net charge-offs | 287.5000% | 1,000 |
| Earnings coverage of net charge-offs (x) | 68.4358% | 826 |
| Efficiency ratio | 73.0917% | 2,700 |
| Assets per employee ($millions) | 8.1214% | 508 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3381% | 2,917 |
| Loan loss allowance to noncurrent loans | 72.8633% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 1.3254% | 1,768 |
| Noncurrent loans to loans | 1.8364% | 1,283 |
| Net loans and leases to total assets | 51.0848% | 4,845 |
| Net loans and leases to deposits | 63.6764% | 4,583 |
| Net loans and leases to core deposits | 68.6506% | 4,485 |
| Total domestic deposits to total assets | 80.2256% | 4,689 |
| Equity capital to assets | 11.1740% | 2,822 |
| Core capital (leverage) ratio | 11.1793% | 2,322 |
| Tier 1 risk-based capital ratio | 16.5308% | 2,557 |
| Total risk-based capital ratio | 17.5514% | 2,619 |
| Memoranda: | ||
| Average total assets | $349,040,000 | 1,889 |
| Average earning assets | $309,113,000 | 1,977 |
| Average equity | $40,045,500 | 1,816 |
| Average total loans | $179,195,750 | 2,255 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2778% | 2,253 |
| Cost of funding earning assets | 0.3340% | 3,996 |
| Net interest margin | 3.9438% | 1,839 |
| Noninterest income to average assets | 1.1788% | 871 |
| Noninterest expense to average assets | 3.4177% | 1,446 |
| Loan and lease loss provision to assets | 0.0582% | 2,938 |
| Net operating income to assets | 0.7789% | 3,490 |
| Return on assets (ROA) | 0.7789% | 3,596 |
| Pretax return on assets | 1.1806% | 2,855 |
| Return on Equity (ROE) | 6.7267% | 3,771 |
| Retained earnings to average equity (ytd only) | 6.7267% | 1,829 |
| Net charge-offs to loans | 0.0114% | 3,511 |
| Credit loss provision to net charge-offs | 1,000.0000% | 348 |
| Earnings coverage of net charge-offs (x) | 212.8000% | 330 |
| Efficiency ratio | 73.3592% | 2,771 |
| Assets per employee ($millions) | 7.9488% | 537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4259% | 2,635 |
| Loan loss allowance to noncurrent loans | 60.3001% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 1.6022% | 1,506 |
| Noncurrent loans to loans | 2.3647% | 986 |
| Net loans and leases to total assets | 48.9357% | 5,019 |
| Net loans and leases to deposits | 60.5116% | 4,810 |
| Net loans and leases to core deposits | 65.3042% | 4,710 |
| Total domestic deposits to total assets | 80.8700% | 4,644 |
| Equity capital to assets | 11.2510% | 2,616 |
| Core capital (leverage) ratio | 11.2975% | 2,163 |
| Tier 1 risk-based capital ratio | 17.3211% | 2,278 |
| Total risk-based capital ratio | 18.4102% | 2,296 |
| Memoranda: | ||
| Average total assets | $343,565,670 | 1,925 |
| Average earning assets | $302,960,330 | 2,030 |
| Average equity | $39,781,670 | 1,834 |
| Average total loans | $175,851,670 | 2,303 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2329% | 2,338 |
| Cost of funding earning assets | 0.3374% | 4,008 |
| Net interest margin | 3.8955% | 1,913 |
| Noninterest income to average assets | 1.3884% | 604 |
| Noninterest expense to average assets | 3.6303% | 1,100 |
| Loan and lease loss provision to assets | 0.0594% | 2,741 |
| Net operating income to assets | 0.7489% | 3,544 |
| Return on assets (ROA) | 0.7489% | 3,679 |
| Pretax return on assets | 1.1293% | 2,953 |
| Return on Equity (ROE) | 6.3716% | 3,843 |
| Retained earnings to average equity (ytd only) | 6.3716% | 2,300 |
| Net charge-offs to loans | 0.0229% | 2,697 |
| Credit loss provision to net charge-offs | 500.0000% | 534 |
| Earnings coverage of net charge-offs (x) | 100.0000% | 494 |
| Efficiency ratio | 75.3083% | 2,607 |
| Assets per employee ($millions) | 7.6440% | 636 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4090% | 2,874 |
| Loan loss allowance to noncurrent loans | 93.2382% | 3,850 |
| Noncurrent assets plus other real estate owned to assets | 1.2098% | 2,217 |
| Noncurrent loans to loans | 1.5112% | 1,867 |
| Net loans and leases to total assets | 49.3925% | 4,907 |
| Net loans and leases to deposits | 61.1144% | 4,650 |
| Net loans and leases to core deposits | 65.6986% | 4,547 |
| Total domestic deposits to total assets | 80.8197% | 4,860 |
| Equity capital to assets | 11.2829% | 2,667 |
| Core capital (leverage) ratio | 11.8894% | 1,707 |
| Tier 1 risk-based capital ratio | 17.6435% | 2,254 |
| Total risk-based capital ratio | 18.7506% | 2,257 |
| Memoranda: | ||
| Average total assets | $336,501,500 | 1,978 |
| Average earning assets | $296,343,000 | 2,075 |
| Average equity | $39,550,500 | 1,854 |
| Average total loans | $174,991,500 | 2,317 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2413% | 2,814 |
| Cost of funding earning assets | 0.3572% | 4,173 |
| Net interest margin | 3.8841% | 2,302 |
| Noninterest income to average assets | 0.9148% | 1,457 |
| Noninterest expense to average assets | 3.0088% | 2,817 |
| Loan and lease loss provision to assets | 0.0848% | 2,779 |
| Net operating income to assets | 0.8805% | 2,970 |
| Return on assets (ROA) | 0.9047% | 2,934 |
| Pretax return on assets | 1.2483% | 2,450 |
| Return on Equity (ROE) | 7.1079% | 3,570 |
| Retained earnings to average equity (ytd only) | 7.1079% | 1,350 |
| Net charge-offs to loans | 0.0142% | 4,598 |
| Credit loss provision to net charge-offs | 1,136.3636% | 248 |
| Earnings coverage of net charge-offs (x) | 174.1364% | 307 |
| Efficiency ratio | 69.7819% | 3,566 |
| Assets per employee ($millions) | 7.1418% | 785 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4049% | 2,927 |
| Loan loss allowance to noncurrent loans | 92.6052% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 1.3999% | 1,987 |
| Noncurrent loans to loans | 1.5170% | 1,935 |
| Net loans and leases to total assets | 53.3274% | 4,657 |
| Net loans and leases to deposits | 66.7025% | 4,244 |
| Net loans and leases to core deposits | 71.6659% | 4,161 |
| Total domestic deposits to total assets | 79.9481% | 5,034 |
| Equity capital to assets | 12.2683% | 1,809 |
| Core capital (leverage) ratio | 12.1435% | 1,539 |
| Tier 1 risk-based capital ratio | 17.5585% | 2,295 |
| Total risk-based capital ratio | 18.6607% | 2,314 |
| Memoranda: | ||
| Average total assets | $294,803,400 | 2,185 |
| Average earning assets | $257,565,200 | 2,292 |
| Average equity | $37,521,400 | 1,873 |
| Average total loans | $154,451,200 | 2,507 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3300% | 2,502 |
| Cost of funding earning assets | 0.3545% | 4,298 |
| Net interest margin | 3.9755% | 1,948 |
| Noninterest income to average assets | 0.9638% | 1,325 |
| Noninterest expense to average assets | 3.0320% | 2,700 |
| Loan and lease loss provision to assets | 0.0925% | 2,505 |
| Net operating income to assets | 0.8593% | 3,128 |
| Return on assets (ROA) | 0.9143% | 2,947 |
| Pretax return on assets | 1.3936% | 2,037 |
| Return on Equity (ROE) | 7.1119% | 3,651 |
| Retained earnings to average equity (ytd only) | 7.1119% | 1,762 |
| Net charge-offs to loans | -0.0009% | 5,155 |
| Credit loss provision to net charge-offs | -20,000.0000% | 6,088 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3151% | 3,802 |
| Assets per employee ($millions) | 7.4520% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5774% | 2,384 |
| Loan loss allowance to noncurrent loans | 94.1520% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 1.4608% | 2,112 |
| Noncurrent loans to loans | 1.6754% | 1,950 |
| Net loans and leases to total assets | 47.0248% | 5,293 |
| Net loans and leases to deposits | 58.7606% | 5,036 |
| Net loans and leases to core deposits | 62.8071% | 4,978 |
| Total domestic deposits to total assets | 80.0279% | 5,089 |
| Equity capital to assets | 11.9768% | 2,077 |
| Core capital (leverage) ratio | 12.4169% | 1,450 |
| Tier 1 risk-based capital ratio | 19.5166% | 1,776 |
| Total risk-based capital ratio | 20.7503% | 1,748 |
| Memoranda: | ||
| Average total assets | $288,159,000 | 2,238 |
| Average earning assets | $251,602,500 | 2,345 |
| Average equity | $37,044,750 | 1,903 |
| Average total loans | $149,607,500 | 2,583 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3692% | 2,297 |
| Cost of funding earning assets | 0.3709% | 4,197 |
| Net interest margin | 3.9982% | 1,808 |
| Noninterest income to average assets | 0.7433% | 2,076 |
| Noninterest expense to average assets | 2.8342% | 3,390 |
| Loan and lease loss provision to assets | 0.0721% | 2,830 |
| Net operating income to assets | 0.8664% | 2,970 |
| Return on assets (ROA) | 0.8940% | 2,939 |
| Pretax return on assets | 1.3605% | 2,036 |
| Return on Equity (ROE) | 6.7759% | 3,730 |
| Retained earnings to average equity (ytd only) | 6.7759% | 1,885 |
| Net charge-offs to loans | -0.0054% | 5,188 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0307% | 4,189 |
| Assets per employee ($millions) | 7.1952% | 733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5263% | 2,772 |
| Loan loss allowance to noncurrent loans | 69.6305% | 4,520 |
| Noncurrent assets plus other real estate owned to assets | 1.9973% | 1,611 |
| Noncurrent loans to loans | 2.1920% | 1,495 |
| Net loans and leases to total assets | 50.6954% | 4,889 |
| Net loans and leases to deposits | 61.5257% | 4,737 |
| Net loans and leases to core deposits | 67.3978% | 4,515 |
| Total domestic deposits to total assets | 82.3971% | 4,507 |
| Equity capital to assets | 12.7033% | 1,539 |
| Core capital (leverage) ratio | 13.4368% | 992 |
| Tier 1 risk-based capital ratio | 19.4214% | 1,819 |
| Total risk-based capital ratio | 20.6232% | 1,798 |
| Memoranda: | ||
| Average total assets | $277,399,670 | 2,314 |
| Average earning assets | $241,556,670 | 2,428 |
| Average equity | $36,600,330 | 1,918 |
| Average total loans | $148,443,330 | 2,599 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5550% | 1,624 |
| Cost of funding earning assets | 0.3908% | 4,080 |
| Net interest margin | 4.1642% | 1,308 |
| Noninterest income to average assets | 0.7729% | 1,864 |
| Noninterest expense to average assets | 2.8950% | 3,233 |
| Loan and lease loss provision to assets | 0.0745% | 2,647 |
| Net operating income to assets | 0.9229% | 2,538 |
| Return on assets (ROA) | 0.9337% | 2,557 |
| Pretax return on assets | 1.4222% | 1,673 |
| Return on Equity (ROE) | 6.9353% | 3,512 |
| Retained earnings to average equity (ytd only) | 6.9353% | 2,076 |
| Net charge-offs to loans | -0.0191% | 5,331 |
| Credit loss provision to net charge-offs | -714.2857% | 5,259 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0994% | 4,515 |
| Assets per employee ($millions) | 7.1603% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5251% | 3,042 |
| Loan loss allowance to noncurrent loans | 87.7173% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.5921% | 2,213 |
| Noncurrent loans to loans | 1.7386% | 2,229 |
| Net loans and leases to total assets | 52.5117% | 4,613 |
| Net loans and leases to deposits | 67.0552% | 3,965 |
| Net loans and leases to core deposits | 72.5322% | 3,817 |
| Total domestic deposits to total assets | 78.3112% | 5,783 |
| Equity capital to assets | 13.1309% | 1,245 |
| Core capital (leverage) ratio | 13.7760% | 899 |
| Tier 1 risk-based capital ratio | 19.4151% | 1,853 |
| Total risk-based capital ratio | 20.6120% | 1,841 |
| Memoranda: | ||
| Average total assets | $268,598,000 | 2,390 |
| Average earning assets | $232,359,500 | 2,524 |
| Average equity | $36,163,000 | 1,929 |
| Average total loans | $146,729,500 | 2,631 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7083% | 1,547 |
| Cost of funding earning assets | 0.3410% | 5,230 |
| Net interest margin | 4.3672% | 963 |
| Noninterest income to average assets | 1.3580% | 756 |
| Noninterest expense to average assets | 3.5689% | 1,507 |
| Loan and lease loss provision to assets | 0.1564% | 2,321 |
| Net operating income to assets | 0.9194% | 2,686 |
| Return on assets (ROA) | 0.9577% | 2,593 |
| Pretax return on assets | 1.4182% | 1,722 |
| Return on Equity (ROE) | 7.6949% | 3,199 |
| Retained earnings to average equity (ytd only) | 7.6949% | 1,154 |
| Net charge-offs to loans | 0.0022% | 5,436 |
| Credit loss provision to net charge-offs | 13,333.3333% | 15 |
| Earnings coverage of net charge-offs (x) | 1,294.6667% | 30 |
| Efficiency ratio | 70.0246% | 3,841 |
| Assets per employee ($millions) | 6.2914% | 1,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5317% | 3,048 |
| Loan loss allowance to noncurrent loans | 94.8586% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.7488% | 2,119 |
| Noncurrent loans to loans | 1.6147% | 2,485 |
| Net loans and leases to total assets | 55.1802% | 4,436 |
| Net loans and leases to deposits | 71.8124% | 3,545 |
| Net loans and leases to core deposits | 81.8756% | 2,908 |
| Total domestic deposits to total assets | 76.8393% | 5,997 |
| Equity capital to assets | 13.8238% | 956 |
| Core capital (leverage) ratio | 13.8680% | 864 |
| Tier 1 risk-based capital ratio | 19.9064% | 1,677 |
| Total risk-based capital ratio | 21.1237% | 1,654 |
| Memoranda: | ||
| Average total assets | $255,824,600 | 2,475 |
| Average earning assets | $218,444,200 | 2,637 |
| Average equity | $31,839,400 | 2,140 |
| Average total loans | $136,541,400 | 2,751 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7090% | 1,574 |
| Cost of funding earning assets | 0.3204% | 5,551 |
| Net interest margin | 4.3886% | 921 |
| Noninterest income to average assets | 1.1453% | 1,114 |
| Noninterest expense to average assets | 3.4339% | 1,750 |
| Loan and lease loss provision to assets | 0.1306% | 2,655 |
| Net operating income to assets | 0.8884% | 2,892 |
| Return on assets (ROA) | 0.9416% | 2,739 |
| Pretax return on assets | 1.4017% | 1,922 |
| Return on Equity (ROE) | 7.7836% | 3,240 |
| Retained earnings to average equity (ytd only) | 7.7836% | 1,508 |
| Net charge-offs to loans | 0.0030% | 5,151 |
| Credit loss provision to net charge-offs | 8,333.3333% | 32 |
| Earnings coverage of net charge-offs (x) | 927.3100% | 50 |
| Efficiency ratio | 70.1186% | 3,743 |
| Assets per employee ($millions) | 6.2159% | 1,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4897% | 3,503 |
| Loan loss allowance to noncurrent loans | 81.0047% | 4,029 |
| Noncurrent assets plus other real estate owned to assets | 1.8673% | 2,178 |
| Noncurrent loans to loans | 1.8391% | 2,449 |
| Net loans and leases to total assets | 52.2785% | 4,845 |
| Net loans and leases to deposits | 64.2920% | 4,490 |
| Net loans and leases to core deposits | 72.5904% | 4,019 |
| Total domestic deposits to total assets | 81.3141% | 5,132 |
| Equity capital to assets | 13.3811% | 1,169 |
| Core capital (leverage) ratio | 13.3904% | 1,069 |
| Tier 1 risk-based capital ratio | 20.1510% | 1,701 |
| Total risk-based capital ratio | 21.3225% | 1,692 |
| Memoranda: | ||
| Average total assets | $255,294,250 | 2,494 |
| Average earning assets | $217,651,000 | 2,661 |
| Average equity | $30,884,750 | 2,222 |
| Average total loans | $134,539,500 | 2,792 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3921% | 2,594 |
| Cost of funding earning assets | 0.3168% | 5,699 |
| Net interest margin | 4.0752% | 1,614 |
| Noninterest income to average assets | 0.9559% | 1,634 |
| Noninterest expense to average assets | 3.0398% | 2,876 |
| Loan and lease loss provision to assets | 0.1263% | 2,744 |
| Net operating income to assets | 0.8622% | 2,981 |
| Return on assets (ROA) | 0.9433% | 2,744 |
| Pretax return on assets | 1.3916% | 1,963 |
| Return on Equity (ROE) | 8.0921% | 3,044 |
| Retained earnings to average equity (ytd only) | 8.0921% | 1,444 |
| Net charge-offs to loans | 0.0060% | 4,769 |
| Credit loss provision to net charge-offs | 4,000.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 443.0000% | 106 |
| Efficiency ratio | 68.3265% | 4,122 |
| Assets per employee ($millions) | 6.0498% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4868% | 3,644 |
| Loan loss allowance to noncurrent loans | 47.4621% | 5,319 |
| Noncurrent assets plus other real estate owned to assets | 2.5356% | 1,667 |
| Noncurrent loans to loans | 3.1327% | 1,409 |
| Net loans and leases to total assets | 48.0183% | 5,328 |
| Net loans and leases to deposits | 59.6152% | 5,013 |
| Net loans and leases to core deposits | 66.7044% | 4,625 |
| Total domestic deposits to total assets | 80.5471% | 5,463 |
| Equity capital to assets | 12.7074% | 1,467 |
| Core capital (leverage) ratio | 13.3801% | 1,025 |
| Tier 1 risk-based capital ratio | 20.3298% | 1,645 |
| Total risk-based capital ratio | 21.4797% | 1,647 |
| Memoranda: | ||
| Average total assets | $253,369,330 | 2,523 |
| Average earning assets | $216,527,000 | 2,679 |
| Average equity | $29,535,000 | 2,306 |
| Average total loans | $133,203,670 | 2,820 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3745% | 2,611 |
| Cost of funding earning assets | 0.3323% | 5,696 |
| Net interest margin | 4.0422% | 1,638 |
| Noninterest income to average assets | 0.8970% | 1,765 |
| Noninterest expense to average assets | 2.8106% | 3,657 |
| Loan and lease loss provision to assets | 0.1312% | 2,602 |
| Net operating income to assets | 0.9648% | 2,375 |
| Return on assets (ROA) | 0.9593% | 2,537 |
| Pretax return on assets | 1.4381% | 1,745 |
| Return on Equity (ROE) | 8.6651% | 2,647 |
| Retained earnings to average equity (ytd only) | 8.6651% | 1,505 |
| Net charge-offs to loans | -0.0030% | 5,196 |
| Credit loss provision to net charge-offs | -8,000.0000% | 5,923 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8640% | 5,024 |
| Assets per employee ($millions) | 5.9179% | 1,324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4197% | 4,133 |
| Loan loss allowance to noncurrent loans | 50.7215% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 2.8454% | 1,587 |
| Noncurrent loans to loans | 2.7990% | 1,812 |
| Net loans and leases to total assets | 50.6137% | 4,906 |
| Net loans and leases to deposits | 60.1246% | 4,778 |
| Net loans and leases to core deposits | 68.1117% | 4,291 |
| Total domestic deposits to total assets | 84.1813% | 4,401 |
| Equity capital to assets | 10.4963% | 3,540 |
| Core capital (leverage) ratio | 10.9904% | 2,274 |
| Tier 1 risk-based capital ratio | 15.8727% | 3,342 |
| Total risk-based capital ratio | 16.9984% | 3,357 |
| Memoranda: | ||
| Average total assets | $243,933,000 | 2,645 |
| Average earning assets | $210,675,000 | 2,764 |
| Average equity | $27,005,000 | 2,523 |
| Average total loans | $133,456,000 | 2,829 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9917% | 1,581 |
| Cost of funding earning assets | 0.4338% | 5,691 |
| Net interest margin | 4.5580% | 841 |
| Noninterest income to average assets | 1.1899% | 1,108 |
| Noninterest expense to average assets | 3.1000% | 2,921 |
| Loan and lease loss provision to assets | 0.3363% | 1,997 |
| Net operating income to assets | 1.0270% | 2,224 |
| Return on assets (ROA) | 1.0358% | 2,386 |
| Pretax return on assets | 1.5921% | 1,410 |
| Return on Equity (ROE) | 9.4312% | 2,431 |
| Retained earnings to average equity (ytd only) | 9.4312% | 711 |
| Net charge-offs to loans | 0.0131% | 5,736 |
| Credit loss provision to net charge-offs | 4,505.8824% | 56 |
| Earnings coverage of net charge-offs (x) | 256.5294% | 155 |
| Efficiency ratio | 61.6146% | 5,296 |
| Assets per employee ($millions) | 5.6870% | 1,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3639% | 4,336 |
| Loan loss allowance to noncurrent loans | 36.8037% | 5,783 |
| Noncurrent assets plus other real estate owned to assets | 4.0694% | 1,044 |
| Noncurrent loans to loans | 3.7058% | 1,310 |
| Net loans and leases to total assets | 57.7660% | 4,022 |
| Net loans and leases to deposits | 70.3626% | 3,659 |
| Net loans and leases to core deposits | 74.1291% | 3,767 |
| Total domestic deposits to total assets | 82.0976% | 5,064 |
| Equity capital to assets | 11.7282% | 2,243 |
| Core capital (leverage) ratio | 11.3211% | 2,001 |
| Tier 1 risk-based capital ratio | 16.5737% | 2,852 |
| Total risk-based capital ratio | 17.7246% | 2,875 |
| Memoranda: | ||
| Average total assets | $227,745,400 | 2,752 |
| Average earning assets | $191,116,200 | 2,940 |
| Average equity | $25,012,600 | 2,655 |
| Average total loans | $129,950,800 | 2,888 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9089% | 1,975 |
| Cost of funding earning assets | 0.5439% | 5,135 |
| Net interest margin | 4.3650% | 1,309 |
| Noninterest income to average assets | 0.9276% | 1,743 |
| Noninterest expense to average assets | 3.1475% | 2,729 |
| Loan and lease loss provision to assets | 0.3102% | 2,128 |
| Net operating income to assets | 0.7417% | 3,730 |
| Return on assets (ROA) | 0.7538% | 3,929 |
| Pretax return on assets | 1.1284% | 3,239 |
| Return on Equity (ROE) | 6.9820% | 3,829 |
| Retained earnings to average equity (ytd only) | 6.9820% | 2,143 |
| Net charge-offs to loans | 0.0186% | 5,412 |
| Credit loss provision to net charge-offs | 2,944.4444% | 92 |
| Earnings coverage of net charge-offs (x) | 134.8300% | 328 |
| Efficiency ratio | 68.9045% | 3,896 |
| Assets per employee ($millions) | 6.2548% | 1,094 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2027% | 5,266 |
| Loan loss allowance to noncurrent loans | 24.8662% | 6,350 |
| Noncurrent assets plus other real estate owned to assets | 4.3262% | 1,080 |
| Noncurrent loans to loans | 4.8367% | 947 |
| Net loans and leases to total assets | 56.0827% | 4,436 |
| Net loans and leases to deposits | 68.7538% | 4,062 |
| Net loans and leases to core deposits | 72.0783% | 4,241 |
| Total domestic deposits to total assets | 81.5704% | 5,169 |
| Equity capital to assets | 11.0575% | 3,200 |
| Core capital (leverage) ratio | 10.8242% | 2,568 |
| Tier 1 risk-based capital ratio | 15.8507% | 3,349 |
| Total risk-based capital ratio | 16.8500% | 3,450 |
| Memoranda: | ||
| Average total assets | $227,812,250 | 2,774 |
| Average earning assets | $189,990,000 | 2,992 |
| Average equity | $24,596,000 | 2,721 |
| Average total loans | $129,133,000 | 2,932 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7531% | 2,707 |
| Cost of funding earning assets | 0.5856% | 5,021 |
| Net interest margin | 4.1675% | 1,842 |
| Noninterest income to average assets | 1.0847% | 1,216 |
| Noninterest expense to average assets | 3.2717% | 2,385 |
| Loan and lease loss provision to assets | 0.2295% | 2,781 |
| Net operating income to assets | 0.6179% | 4,294 |
| Return on assets (ROA) | 0.6355% | 4,440 |
| Pretax return on assets | 1.0529% | 3,502 |
| Return on Equity (ROE) | 5.9346% | 4,357 |
| Retained earnings to average equity (ytd only) | 5.9346% | 2,749 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2753% | 3,379 |
| Assets per employee ($millions) | 6.5923% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0181% | 6,079 |
| Loan loss allowance to noncurrent loans | 15.9118% | 6,621 |
| Noncurrent assets plus other real estate owned to assets | 5.5424% | 801 |
| Noncurrent loans to loans | 6.3984% | 664 |
| Net loans and leases to total assets | 55.9569% | 4,477 |
| Net loans and leases to deposits | 68.2028% | 4,163 |
| Net loans and leases to core deposits | 72.4405% | 4,249 |
| Total domestic deposits to total assets | 82.0449% | 5,110 |
| Equity capital to assets | 10.7389% | 3,409 |
| Core capital (leverage) ratio | 10.8068% | 2,475 |
| Tier 1 risk-based capital ratio | 15.7131% | 3,322 |
| Total risk-based capital ratio | 16.5651% | 3,526 |
| Memoranda: | ||
| Average total assets | $226,607,670 | 2,794 |
| Average earning assets | $187,161,330 | 3,030 |
| Average equity | $24,264,670 | 2,740 |
| Average total loans | $128,387,330 | 2,956 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9933% | 1,911 |
| Cost of funding earning assets | 0.6173% | 4,985 |
| Net interest margin | 4.3759% | 1,280 |
| Noninterest income to average assets | 0.6484% | 2,937 |
| Noninterest expense to average assets | 3.4470% | 1,891 |
| Loan and lease loss provision to assets | 0.1781% | 3,187 |
| Net operating income to assets | 0.3779% | 5,356 |
| Return on assets (ROA) | 0.4133% | 5,389 |
| Pretax return on assets | 0.6520% | 4,933 |
| Return on Equity (ROE) | 3.8654% | 5,352 |
| Retained earnings to average equity (ytd only) | 3.8654% | 4,271 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6456% | 1,981 |
| Assets per employee ($millions) | 6.0773% | 1,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9116% | 6,509 |
| Loan loss allowance to noncurrent loans | 20.3982% | 6,548 |
| Noncurrent assets plus other real estate owned to assets | 5.0302% | 1,036 |
| Noncurrent loans to loans | 4.4690% | 1,313 |
| Net loans and leases to total assets | 56.4615% | 4,301 |
| Net loans and leases to deposits | 68.3647% | 3,999 |
| Net loans and leases to core deposits | 72.7531% | 4,049 |
| Total domestic deposits to total assets | 82.5888% | 5,084 |
| Equity capital to assets | 10.7795% | 3,175 |
| Core capital (leverage) ratio | 10.7614% | 2,479 |
| Tier 1 risk-based capital ratio | 15.2762% | 3,569 |
| Total risk-based capital ratio | 16.0197% | 3,875 |
| Memoranda: | ||
| Average total assets | $224,546,000 | 2,835 |
| Average earning assets | $183,366,500 | 3,105 |
| Average equity | $24,008,000 | 2,767 |
| Average total loans | $127,362,000 | 2,991 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8006% | 6,732 |
| Cost of funding earning assets | 0.4904% | 6,574 |
| Net interest margin | 3.3102% | 5,778 |
| Noninterest income to average assets | 0.9327% | 1,557 |
| Noninterest expense to average assets | 2.8026% | 4,336 |
| Loan and lease loss provision to assets | 0.2666% | 3,551 |
| Net operating income to assets | 0.5699% | 4,149 |
| Return on assets (ROA) | 0.6552% | 3,912 |
| Pretax return on assets | 0.8940% | 3,623 |
| Return on Equity (ROE) | 4.3494% | 4,701 |
| Retained earnings to average equity (ytd only) | 4.3494% | 3,078 |
| Net charge-offs to loans | 0.1184% | 5,201 |
| Credit loss provision to net charge-offs | 414.7727% | 554 |
| Earnings coverage of net charge-offs (x) | 16.2386% | 1,344 |
| Efficiency ratio | 72.8637% | 3,417 |
| Assets per employee ($millions) | 5.6058% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8436% | 6,659 |
| Loan loss allowance to noncurrent loans | 12.1765% | 6,790 |
| Noncurrent assets plus other real estate owned to assets | 5.5122% | 930 |
| Noncurrent loans to loans | 6.9283% | 644 |
| Net loans and leases to total assets | 55.9816% | 4,711 |
| Net loans and leases to deposits | 65.8673% | 4,752 |
| Net loans and leases to core deposits | 70.5888% | 4,708 |
| Total domestic deposits to total assets | 84.9914% | 3,856 |
| Equity capital to assets | 10.6038% | 3,414 |
| Core capital (leverage) ratio | 15.2139% | 574 |
| Tier 1 risk-based capital ratio | 15.8433% | 3,134 |
| Total risk-based capital ratio | 16.5553% | 3,406 |
| Memoranda: | ||
| Average total assets | $136,910,400 | 4,033 |
| Average earning assets | $120,506,400 | 4,124 |
| Average equity | $20,623,600 | 3,051 |
| Average total loans | $74,297,400 | 4,337 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1059% | 6,402 |
| Cost of funding earning assets | 0.5361% | 6,558 |
| Net interest margin | 3.5698% | 4,902 |
| Noninterest income to average assets | 0.7623% | 2,247 |
| Noninterest expense to average assets | 3.0980% | 3,169 |
| Loan and lease loss provision to assets | 0.3070% | 3,076 |
| Net operating income to assets | 0.3695% | 5,132 |
| Return on assets (ROA) | 0.4518% | 4,957 |
| Pretax return on assets | 0.7183% | 4,405 |
| Return on Equity (ROE) | 2.6215% | 5,570 |
| Retained earnings to average equity (ytd only) | 2.6215% | 4,792 |
| Net charge-offs to loans | 0.1916% | 4,265 |
| Credit loss provision to net charge-offs | 301.1364% | 942 |
| Earnings coverage of net charge-offs (x) | 8.7954% | 2,125 |
| Efficiency ratio | 77.5522% | 2,602 |
| Assets per employee ($millions) | 7.2602% | 647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5233% | 3,990 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2556% | 6,424 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 47.8846% | 5,971 |
| Net loans and leases to deposits | 61.5830% | 5,457 |
| Net loans and leases to core deposits | 69.2469% | 5,034 |
| Total domestic deposits to total assets | 77.7561% | 6,236 |
| Equity capital to assets | 15.2514% | 783 |
| Core capital (leverage) ratio | 16.0472% | 500 |
| Tier 1 risk-based capital ratio | 22.0359% | 1,284 |
| Total risk-based capital ratio | 23.1086% | 1,286 |
| Memoranda: | ||
| Average total assets | $115,080,250 | 4,552 |
| Average earning assets | $104,204,750 | 4,567 |
| Average equity | $19,835,250 | 3,173 |
| Average total loans | $61,222,750 | 4,862 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1358% | 6,410 |
| Cost of funding earning assets | 0.5787% | 6,548 |
| Net interest margin | 3.5572% | 4,896 |
| Noninterest income to average assets | 0.7590% | 2,212 |
| Noninterest expense to average assets | 3.1908% | 2,937 |
| Loan and lease loss provision to assets | 0.3549% | 2,656 |
| Net operating income to assets | 0.2445% | 5,579 |
| Return on assets (ROA) | 0.3750% | 5,201 |
| Pretax return on assets | 0.6061% | 4,729 |
| Return on Equity (ROE) | 2.0805% | 5,761 |
| Retained earnings to average equity (ytd only) | 2.0805% | 4,938 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8207% | 2,259 |
| Assets per employee ($millions) | 6.1898% | 1,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5186% | 4,044 |
| Loan loss allowance to noncurrent loans | 239.3204% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.3698% | 6,213 |
| Noncurrent loans to loans | 0.6345% | 5,659 |
| Net loans and leases to total assets | 57.3907% | 4,747 |
| Net loans and leases to deposits | 76.5354% | 3,370 |
| Net loans and leases to core deposits | 89.3545% | 2,456 |
| Total domestic deposits to total assets | 74.9859% | 6,727 |
| Equity capital to assets | 17.8483% | 393 |
| Core capital (leverage) ratio | 17.4347% | 374 |
| Tier 1 risk-based capital ratio | 22.9362% | 1,127 |
| Total risk-based capital ratio | 24.0843% | 1,126 |
| Memoranda: | ||
| Average total assets | $109,879,330 | 4,701 |
| Average earning assets | $98,504,670 | 4,745 |
| Average equity | $19,803,330 | 3,155 |
| Average total loans | $60,448,670 | 4,939 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0243% | 6,647 |
| Cost of funding earning assets | 0.5743% | 6,715 |
| Net interest margin | 3.4500% | 5,224 |
| Noninterest income to average assets | 0.7295% | 2,391 |
| Noninterest expense to average assets | 3.2298% | 2,780 |
| Loan and lease loss provision to assets | 0.4399% | 2,006 |
| Net operating income to assets | 0.0738% | 6,165 |
| Return on assets (ROA) | 0.2896% | 5,532 |
| Pretax return on assets | 0.4802% | 5,088 |
| Return on Equity (ROE) | 1.5990% | 5,941 |
| Retained earnings to average equity (ytd only) | 1.5990% | 5,153 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7115% | 1,875 |
| Assets per employee ($millions) | 6.4866% | 935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5143% | 4,138 |
| Loan loss allowance to noncurrent loans | 221.1165% | 1,362 |
| Noncurrent assets plus other real estate owned to assets | 0.3529% | 6,326 |
| Noncurrent loans to loans | 0.6849% | 5,653 |
| Net loans and leases to total assets | 50.7430% | 5,746 |
| Net loans and leases to deposits | 66.7324% | 4,873 |
| Net loans and leases to core deposits | 81.6873% | 3,496 |
| Total domestic deposits to total assets | 76.0395% | 6,666 |
| Equity capital to assets | 16.9315% | 447 |
| Core capital (leverage) ratio | 18.4046% | 308 |
| Tier 1 risk-based capital ratio | 23.9504% | 979 |
| Total risk-based capital ratio | 25.0668% | 972 |
| Memoranda: | ||
| Average total assets | $109,110,500 | 4,760 |
| Average earning assets | $97,507,000 | 4,806 |
| Average equity | $19,762,000 | 3,152 |
| Average total loans | $58,208,500 | 5,080 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4452% | 6,528 |
| Cost of funding earning assets | 0.7037% | 6,880 |
| Net interest margin | 3.7416% | 4,171 |
| Noninterest income to average assets | 0.8668% | 1,989 |
| Noninterest expense to average assets | 3.8019% | 1,486 |
| Loan and lease loss provision to assets | 0.2563% | 4,741 |
| Net operating income to assets | 0.0756% | 5,648 |
| Return on assets (ROA) | 0.0866% | 5,755 |
| Pretax return on assets | 0.2050% | 5,482 |
| Return on Equity (ROE) | 0.3887% | 5,856 |
| Retained earnings to average equity (ytd only) | 0.3887% | 5,385 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5386% | 1,357 |
| Assets per employee ($millions) | 6.3414% | 1,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4060% | 4,480 |
| Loan loss allowance to noncurrent loans | 200.7614% | 1,494 |
| Noncurrent assets plus other real estate owned to assets | 0.3883% | 6,301 |
| Noncurrent loans to loans | 0.7003% | 5,648 |
| Net loans and leases to total assets | 54.6687% | 5,546 |
| Net loans and leases to deposits | 74.9922% | 4,026 |
| Net loans and leases to core deposits | 95.6378% | 2,055 |
| Total domestic deposits to total assets | 72.8992% | 7,004 |
| Equity capital to assets | 19.4703% | 289 |
| Core capital (leverage) ratio | 20.0653% | 235 |
| Tier 1 risk-based capital ratio | 26.5248% | 705 |
| Total risk-based capital ratio | 27.6049% | 709 |
| Memoranda: | ||
| Average total assets | $87,799,200 | 5,354 |
| Average earning assets | $79,298,600 | 5,372 |
| Average equity | $19,550,200 | 3,208 |
| Average total loans | $51,698,000 | 5,419 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4967% | 6,614 |
| Cost of funding earning assets | 0.7308% | 6,969 |
| Net interest margin | 3.7659% | 4,110 |
| Noninterest income to average assets | 0.8643% | 1,936 |
| Noninterest expense to average assets | 3.9296% | 1,161 |
| Loan and lease loss provision to assets | 0.2686% | 4,434 |
| Net operating income to assets | -0.0009% | 6,004 |
| Return on assets (ROA) | 0.0142% | 6,097 |
| Pretax return on assets | 0.0932% | 5,921 |
| Return on Equity (ROE) | 0.0615% | 6,111 |
| Retained earnings to average equity (ytd only) | 0.0615% | 5,754 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0770% | 1,124 |
| Assets per employee ($millions) | 5.4765% | 1,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3195% | 4,853 |
| Loan loss allowance to noncurrent loans | 183.0846% | 1,568 |
| Noncurrent assets plus other real estate owned to assets | 0.4318% | 6,343 |
| Noncurrent loans to loans | 0.7207% | 5,772 |
| Net loans and leases to total assets | 59.1214% | 5,079 |
| Net loans and leases to deposits | 83.9336% | 2,716 |
| Net loans and leases to core deposits | 104.1653% | 1,469 |
| Total domestic deposits to total assets | 70.4382% | 7,250 |
| Equity capital to assets | 21.1128% | 230 |
| Core capital (leverage) ratio | 21.0345% | 205 |
| Tier 1 risk-based capital ratio | 27.3828% | 668 |
| Total risk-based capital ratio | 28.4259% | 673 |
| Memoranda: | ||
| Average total assets | $84,383,500 | 5,527 |
| Average earning assets | $76,261,000 | 5,540 |
| Average equity | $19,499,000 | 3,253 |
| Average total loans | $50,557,750 | 5,547 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5483% | 6,595 |
| Cost of funding earning assets | 0.7167% | 7,157 |
| Net interest margin | 3.8316% | 3,755 |
| Noninterest income to average assets | 0.8739% | 1,789 |
| Noninterest expense to average assets | 4.0575% | 974 |
| Loan and lease loss provision to assets | 0.3314% | 3,745 |
| Net operating income to assets | -0.0835% | 6,203 |
| Return on assets (ROA) | -0.0835% | 6,284 |
| Pretax return on assets | -0.0638% | 6,212 |
| Return on Equity (ROE) | -0.3497% | 6,222 |
| Retained earnings to average equity (ytd only) | -0.3497% | 5,805 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.8138% | 1,075 |
| Assets per employee ($millions) | 6.0095% | 1,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3136% | 4,834 |
| Loan loss allowance to noncurrent loans | 171.3936% | 1,653 |
| Noncurrent assets plus other real estate owned to assets | 0.4537% | 6,316 |
| Noncurrent loans to loans | 0.7664% | 5,739 |
| Net loans and leases to total assets | 58.4212% | 5,350 |
| Net loans and leases to deposits | 84.2026% | 2,837 |
| Net loans and leases to core deposits | 102.0463% | 1,823 |
| Total domestic deposits to total assets | 69.3816% | 7,366 |
| Equity capital to assets | 21.6292% | 217 |
| Core capital (leverage) ratio | 23.1251% | 152 |
| Tier 1 risk-based capital ratio | 29.6202% | 532 |
| Total risk-based capital ratio | 30.6995% | 522 |
| Memoranda: | ||
| Average total assets | $81,478,000 | 5,650 |
| Average earning assets | $73,390,330 | 5,661 |
| Average equity | $19,446,670 | 3,250 |
| Average total loans | $48,817,670 | 5,648 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5548% | 6,667 |
| Cost of funding earning assets | 0.7265% | 7,278 |
| Net interest margin | 3.8283% | 3,671 |
| Noninterest income to average assets | 0.8970% | 1,638 |
| Noninterest expense to average assets | 4.2154% | 795 |
| Loan and lease loss provision to assets | 0.5444% | 2,324 |
| Net operating income to assets | -0.3460% | 6,705 |
| Return on assets (ROA) | -0.3163% | 6,732 |
| Pretax return on assets | -0.3837% | 6,710 |
| Return on Equity (ROE) | -1.2563% | 6,559 |
| Retained earnings to average equity (ytd only) | -1.2563% | 6,093 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.1326% | 963 |
| Assets per employee ($millions) | 4.8713% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3701% | 4,577 |
| Loan loss allowance to noncurrent loans | 162.0773% | 1,732 |
| Noncurrent assets plus other real estate owned to assets | 0.5312% | 6,174 |
| Noncurrent loans to loans | 0.8453% | 5,626 |
| Net loans and leases to total assets | 61.9746% | 4,764 |
| Net loans and leases to deposits | 96.3651% | 1,067 |
| Net loans and leases to core deposits | 107.2709% | 1,474 |
| Total domestic deposits to total assets | 64.3123% | 7,672 |
| Equity capital to assets | 24.9423% | 144 |
| Core capital (leverage) ratio | 24.8384% | 137 |
| Tier 1 risk-based capital ratio | 34.4697% | 370 |
| Total risk-based capital ratio | 35.6756% | 365 |
| Memoranda: | ||
| Average total assets | $77,146,000 | 5,846 |
| Average earning assets | $69,378,000 | 5,864 |
| Average equity | $19,421,500 | 3,276 |
| Average total loans | $46,545,000 | 5,815 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3940% | 7,483 |
| Cost of funding earning assets | 0.9828% | 7,239 |
| Net interest margin | 3.4112% | 5,325 |
| Noninterest income to average assets | 0.7312% | 2,780 |
| Noninterest expense to average assets | 4.0510% | 1,301 |
| Loan and lease loss provision to assets | 0.4434% | 4,166 |
| Net operating income to assets | -0.5786% | 6,248 |
| Return on assets (ROA) | -0.2256% | 5,869 |
| Pretax return on assets | -0.2645% | 5,792 |
| Return on Equity (ROE) | -0.7522% | 5,665 |
| Retained earnings to average equity (ytd only) | -0.7522% | 5,191 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 106.1990% | 905 |
| Assets per employee ($millions) | 5.0901% | 2,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 4,855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 57.0385% | 5,811 |
| Net loans and leases to deposits | 88.9356% | 2,400 |
| Net loans and leases to core deposits | 123.0539% | 1,708 |
| Total domestic deposits to total assets | 64.1345% | 7,709 |
| Equity capital to assets | 25.4126% | 152 |
| Core capital (leverage) ratio | 25.0649% | 152 |
| Tier 1 risk-based capital ratio | 38.0010% | 285 |
| Total risk-based capital ratio | 39.1212% | 279 |
| Memoranda: | ||
| Average total assets | $64,281,200 | 6,186 |
| Average earning assets | $58,102,000 | 6,217 |
| Average equity | $19,276,400 | 3,307 |
| Average total loans | $33,078,600 | 6,459 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3535% | 7,637 |
| Cost of funding earning assets | 0.9915% | 7,407 |
| Net interest margin | 3.3620% | 5,402 |
| Noninterest income to average assets | 0.7313% | 2,817 |
| Noninterest expense to average assets | 3.8608% | 1,488 |
| Loan and lease loss provision to assets | 0.3591% | 4,167 |
| Net operating income to assets | -0.3500% | 6,265 |
| Return on assets (ROA) | -0.3177% | 6,237 |
| Pretax return on assets | -0.4070% | 6,204 |
| Return on Equity (ROE) | -1.0115% | 5,932 |
| Retained earnings to average equity (ytd only) | -1.0115% | 5,492 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.3658% | 966 |
| Assets per employee ($millions) | 4.7065% | 2,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1604% | 5,357 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 53.8111% | 6,400 |
| Net loans and leases to deposits | 89.1321% | 2,757 |
| Net loans and leases to core deposits | 124.6685% | 1,846 |
| Total domestic deposits to total assets | 60.3723% | 7,866 |
| Equity capital to assets | 27.4218% | 143 |
| Core capital (leverage) ratio | 29.0119% | 129 |
| Tier 1 risk-based capital ratio | 41.0298% | 269 |
| Total risk-based capital ratio | 41.9907% | 268 |
| Memoranda: | ||
| Average total assets | $61,263,500 | 6,347 |
| Average earning assets | $55,401,750 | 6,364 |
| Average equity | $19,244,750 | 3,350 |
| Average total loans | $30,319,250 | 6,663 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0449% | 7,890 |
| Cost of funding earning assets | 1.0226% | 7,506 |
| Net interest margin | 3.0223% | 6,481 |
| Noninterest income to average assets | 0.7532% | 2,684 |
| Noninterest expense to average assets | 3.8554% | 1,567 |
| Loan and lease loss provision to assets | 0.3955% | 3,545 |
| Net operating income to assets | -0.5492% | 6,596 |
| Return on assets (ROA) | -0.5021% | 6,560 |
| Pretax return on assets | -0.6982% | 6,599 |
| Return on Equity (ROE) | -1.5203% | 6,150 |
| Retained earnings to average equity (ytd only) | -1.5203% | 5,622 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.5523% | 834 |
| Assets per employee ($millions) | 5.7760% | 1,361 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 4,828 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 50.5839% | 6,819 |
| Net loans and leases to deposits | 89.8541% | 2,855 |
| Net loans and leases to core deposits | 138.3155% | 1,088 |
| Total domestic deposits to total assets | 56.2956% | 8,002 |
| Equity capital to assets | 30.2899% | 134 |
| Core capital (leverage) ratio | 30.5717% | 136 |
| Tier 1 risk-based capital ratio | 46.6614% | 207 |
| Total risk-based capital ratio | 47.6364% | 209 |
| Memoranda: | ||
| Average total assets | $58,152,330 | 6,508 |
| Average earning assets | $52,609,670 | 6,525 |
| Average equity | $19,206,670 | 3,366 |
| Average total loans | $27,614,000 | 6,873 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7831% | 8,043 |
| Cost of funding earning assets | 1.0420% | 7,609 |
| Net interest margin | 2.7412% | 7,118 |
| Noninterest income to average assets | 0.6203% | 3,409 |
| Noninterest expense to average assets | 4.1399% | 1,009 |
| Loan and lease loss provision to assets | 0.4688% | 2,600 |
| Net operating income to assets | -1.0602% | 7,291 |
| Return on assets (ROA) | -1.0602% | 7,301 |
| Pretax return on assets | -1.5218% | 7,370 |
| Return on Equity (ROE) | -3.0645% | 6,790 |
| Retained earnings to average equity (ytd only) | -3.0645% | 6,295 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 134.1121% | 466 |
| Assets per employee ($millions) | 5.3618% | 1,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 4,171 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 45.1085% | 7,255 |
| Net loans and leases to deposits | 84.3265% | 3,928 |
| Net loans and leases to core deposits | 134.1451% | 1,407 |
| Total domestic deposits to total assets | 53.4927% | 8,075 |
| Equity capital to assets | 32.5585% | 122 |
| Core capital (leverage) ratio | 36.5698% | 109 |
| Tier 1 risk-based capital ratio | 51.1541% | 193 |
| Total risk-based capital ratio | 52.0817% | 193 |
| Memoranda: | ||
| Average total assets | $55,460,500 | 6,649 |
| Average earning assets | $49,906,000 | 6,664 |
| Average equity | $19,187,500 | 3,387 |
| Average total loans | $25,153,500 | 7,057 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7688% | 8,189 |
| Cost of funding earning assets | 0.6506% | 8,165 |
| Net interest margin | 2.1182% | 8,007 |
| Noninterest income to average assets | 0.4445% | 5,078 |
| Noninterest expense to average assets | 4.9276% | 648 |
| Loan and lease loss provision to assets | 0.6609% | 2,197 |
| Net operating income to assets | -2.5257% | 7,716 |
| Return on assets (ROA) | -2.4180% | 7,652 |
| Pretax return on assets | -3.0624% | 7,720 |
| Return on Equity (ROE) | -5.3543% | 6,897 |
| Retained earnings to average equity (ytd only) | -5.3543% | 6,566 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 206.2008% | 193 |
| Assets per employee ($millions) | 4.7219% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 4,507 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 44.4254% | 7,441 |
| Net loans and leases to deposits | 77.4927% | 5,404 |
| Net loans and leases to core deposits | 99.0598% | 4,922 |
| Total domestic deposits to total assets | 57.3285% | 8,029 |
| Equity capital to assets | 36.9111% | 117 |
| Core capital (leverage) ratio | 38.6661% | 119 |
| Tier 1 risk-based capital ratio | 57.8517% | 163 |
| Total risk-based capital ratio | 58.6989% | 164 |
| Memoranda: | ||
| Average total assets | $42,515,330 | 7,103 |
| Average earning assets | $39,042,330 | 7,082 |
| Average equity | $19,199,670 | 3,363 |
| Average total loans | $15,418,670 | 7,622 |