Home > The Bank & Trust of Bryan/College Station > Performance and Condition Ratios
The Bank & Trust of Bryan/College Station, Performance and Condition Ratios
| 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 | 4.6300% | 2,519 |
| Cost of funding earning assets | 0.5832% | 3,706 |
| Net interest margin | 4.0469% | 1,691 |
| Noninterest income to average assets | 0.4527% | 2,993 |
| Noninterest expense to average assets | 2.2748% | 4,012 |
| Loan and lease loss provision to assets | 0.0482% | 3,064 |
| Net operating income to assets | 1.5719% | 890 |
| Return on assets (ROA) | 1.5819% | 924 |
| Pretax return on assets | 1.9096% | 731 |
| Return on Equity (ROE) | 13.9492% | 903 |
| Retained earnings to average equity (ytd only) | 13.9492% | 128 |
| Net charge-offs to loans | 0.0152% | 3,171 |
| Credit loss provision to net charge-offs | 447.7612% | 648 |
| Earnings coverage of net charge-offs (x) | 180.7313% | 424 |
| Efficiency ratio | 53.8986% | 4,430 |
| Assets per employee ($millions) | 7.6062% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3216% | 1,828 |
| Loan loss allowance to noncurrent loans | 104.4225% | 3,214 |
| Noncurrent assets plus other real estate owned to assets | 0.9133% | 1,393 |
| Noncurrent loans to loans | 1.2657% | 1,188 |
| Net loans and leases to total assets | 71.2079% | 2,218 |
| Net loans and leases to deposits | 81.3936% | 2,631 |
| Net loans and leases to core deposits | 84.5860% | 2,902 |
| Total domestic deposits to total assets | 87.4858% | 1,372 |
| Equity capital to assets | 12.1150% | 2,064 |
| Core capital (leverage) ratio | 11.6778% | 1,978 |
| Tier 1 risk-based capital ratio | 16.6988% | 2,156 |
| Total risk-based capital ratio | 17.9501% | 2,088 |
| Memoranda: | ||
| Average total assets | $622,333,200 | 1,192 |
| Average earning assets | $579,437,800 | 1,190 |
| Average equity | $70,577,600 | 1,217 |
| Average total loans | $441,424,800 | 1,176 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6668% | 2,511 |
| Cost of funding earning assets | 0.5971% | 3,716 |
| Net interest margin | 4.0697% | 1,702 |
| Noninterest income to average assets | 0.4485% | 3,028 |
| Noninterest expense to average assets | 1.9706% | 4,605 |
| Loan and lease loss provision to assets | 0.0452% | 3,000 |
| Net operating income to assets | 1.8226% | 587 |
| Return on assets (ROA) | 1.8289% | 608 |
| Pretax return on assets | 2.2347% | 425 |
| Return on Equity (ROE) | 16.4123% | 548 |
| Retained earnings to average equity (ytd only) | 16.4123% | 99 |
| Net charge-offs to loans | 0.0037% | 3,281 |
| Credit loss provision to net charge-offs | 1,750.0000% | 219 |
| Earnings coverage of net charge-offs (x) | 880.5613% | 110 |
| Efficiency ratio | 46.4474% | 4,916 |
| Assets per employee ($millions) | 7.5879% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3536% | 1,745 |
| Loan loss allowance to noncurrent loans | 4,214.7887% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0225% | 4,633 |
| Noncurrent loans to loans | 0.0321% | 4,524 |
| Net loans and leases to total assets | 69.2533% | 2,588 |
| Net loans and leases to deposits | 78.7177% | 3,034 |
| Net loans and leases to core deposits | 82.0323% | 3,244 |
| Total domestic deposits to total assets | 87.9768% | 1,042 |
| Equity capital to assets | 11.8681% | 2,361 |
| Core capital (leverage) ratio | 11.6664% | 2,105 |
| Tier 1 risk-based capital ratio | 16.8807% | 2,125 |
| Total risk-based capital ratio | 18.1323% | 2,062 |
| Memoranda: | ||
| Average total assets | $620,087,750 | 1,193 |
| Average earning assets | $578,106,250 | 1,191 |
| Average equity | $69,101,000 | 1,231 |
| Average total loans | $437,889,250 | 1,192 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6913% | 2,385 |
| Cost of funding earning assets | 0.5924% | 3,685 |
| Net interest margin | 4.0988% | 1,608 |
| Noninterest income to average assets | 0.4380% | 3,024 |
| Noninterest expense to average assets | 1.9921% | 4,608 |
| Loan and lease loss provision to assets | 0.0486% | 2,848 |
| Net operating income to assets | 1.8162% | 572 |
| Return on assets (ROA) | 1.8157% | 596 |
| Pretax return on assets | 2.2148% | 429 |
| Return on Equity (ROE) | 16.6618% | 503 |
| Retained earnings to average equity (ytd only) | 16.6618% | 112 |
| Net charge-offs to loans | 0.0041% | 3,020 |
| Credit loss provision to net charge-offs | 1,666.6667% | 222 |
| Earnings coverage of net charge-offs (x) | 775.8889% | 99 |
| Efficiency ratio | 46.8043% | 4,953 |
| Assets per employee ($millions) | 7.1732% | 924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3305% | 1,886 |
| Loan loss allowance to noncurrent loans | 12,614.8936% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0075% | 4,766 |
| Noncurrent loans to loans | 0.0105% | 4,671 |
| Net loans and leases to total assets | 70.4577% | 2,463 |
| Net loans and leases to deposits | 81.6850% | 2,766 |
| Net loans and leases to core deposits | 85.3837% | 3,008 |
| Total domestic deposits to total assets | 86.2553% | 1,912 |
| Equity capital to assets | 11.3834% | 2,720 |
| Core capital (leverage) ratio | 11.3854% | 2,259 |
| Tier 1 risk-based capital ratio | 16.0672% | 2,381 |
| Total risk-based capital ratio | 17.3186% | 2,328 |
| Memoranda: | ||
| Average total assets | $616,851,330 | 1,199 |
| Average earning assets | $574,601,330 | 1,197 |
| Average equity | $67,219,670 | 1,250 |
| Average total loans | $436,472,330 | 1,192 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6765% | 2,301 |
| Cost of funding earning assets | 0.5798% | 3,677 |
| Net interest margin | 4.0967% | 1,556 |
| Noninterest income to average assets | 0.4227% | 3,032 |
| Noninterest expense to average assets | 1.9933% | 4,656 |
| Loan and lease loss provision to assets | 0.0391% | 2,842 |
| Net operating income to assets | 1.8064% | 577 |
| Return on assets (ROA) | 1.8074% | 592 |
| Pretax return on assets | 2.2027% | 447 |
| Return on Equity (ROE) | 16.9715% | 484 |
| Retained earnings to average equity (ytd only) | 16.9715% | 185 |
| Net charge-offs to loans | 0.0037% | 2,595 |
| Credit loss provision to net charge-offs | 1,500.0000% | 254 |
| Earnings coverage of net charge-offs (x) | 858.7500% | 70 |
| Efficiency ratio | 47.0806% | 4,982 |
| Assets per employee ($millions) | 6.9623% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3424% | 1,905 |
| Loan loss allowance to noncurrent loans | 12,175.0000% | 66 |
| Noncurrent assets plus other real estate owned to assets | 0.0078% | 4,841 |
| Noncurrent loans to loans | 0.0110% | 4,737 |
| Net loans and leases to total assets | 70.0999% | 2,460 |
| Net loans and leases to deposits | 78.8901% | 2,963 |
| Net loans and leases to core deposits | 82.0073% | 3,184 |
| Total domestic deposits to total assets | 88.8576% | 933 |
| Equity capital to assets | 10.9512% | 2,904 |
| Core capital (leverage) ratio | 10.7082% | 2,836 |
| Tier 1 risk-based capital ratio | 15.8074% | 2,526 |
| Total risk-based capital ratio | 17.0590% | 2,456 |
| Memoranda: | ||
| Average total assets | $613,243,500 | 1,208 |
| Average earning assets | $570,510,500 | 1,208 |
| Average equity | $65,309,500 | 1,276 |
| Average total loans | $431,892,500 | 1,206 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4898% | 2,489 |
| Cost of funding earning assets | 0.3931% | 4,024 |
| Net interest margin | 4.0967% | 1,687 |
| Noninterest income to average assets | 0.4468% | 3,125 |
| Noninterest expense to average assets | 2.0804% | 4,607 |
| Loan and lease loss provision to assets | 0.0518% | 3,149 |
| Net operating income to assets | 1.7596% | 604 |
| Return on assets (ROA) | 1.7417% | 627 |
| Pretax return on assets | 2.0942% | 446 |
| Return on Equity (ROE) | 16.9123% | 502 |
| Retained earnings to average equity (ytd only) | 12.8919% | 242 |
| Net charge-offs to loans | 0.0042% | 3,574 |
| Credit loss provision to net charge-offs | 1,764.7059% | 244 |
| Earnings coverage of net charge-offs (x) | 739.0588% | 151 |
| Efficiency ratio | 48.9745% | 4,998 |
| Assets per employee ($millions) | 7.0553% | 951 |
| Cash dividends to net income (ytd only)* | 23.7718% | 3,331 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3507% | 1,821 |
| Loan loss allowance to noncurrent loans | 82,671.4286% | 11 |
| Noncurrent assets plus other real estate owned to assets | 0.0011% | 4,929 |
| Noncurrent loans to loans | 0.0016% | 4,825 |
| Net loans and leases to total assets | 68.8598% | 2,753 |
| Net loans and leases to deposits | 76.9987% | 3,279 |
| Net loans and leases to core deposits | 79.3314% | 3,474 |
| Total domestic deposits to total assets | 89.4297% | 691 |
| Equity capital to assets | 10.3490% | 3,328 |
| Core capital (leverage) ratio | 10.4160% | 3,125 |
| Tier 1 risk-based capital ratio | 15.2065% | 2,737 |
| Total risk-based capital ratio | 16.4580% | 2,670 |
| Memoranda: | ||
| Average total assets | $579,657,400 | 1,239 |
| Average earning assets | $537,819,000 | 1,235 |
| Average equity | $59,696,200 | 1,327 |
| Average total loans | $402,460,800 | 1,253 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3977% | 2,631 |
| Cost of funding earning assets | 0.3722% | 4,034 |
| Net interest margin | 4.0255% | 1,874 |
| Noninterest income to average assets | 0.4480% | 3,184 |
| Noninterest expense to average assets | 1.9981% | 4,747 |
| Loan and lease loss provision to assets | 0.0374% | 3,256 |
| Net operating income to assets | 1.7695% | 639 |
| Return on assets (ROA) | 1.7682% | 642 |
| Pretax return on assets | 2.1426% | 438 |
| Return on Equity (ROE) | 17.1919% | 523 |
| Retained earnings to average equity (ytd only) | 14.2410% | 228 |
| Net charge-offs to loans | -0.0024% | 4,109 |
| Credit loss provision to net charge-offs | -2,285.7143% | 4,772 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.8050% | 5,059 |
| Assets per employee ($millions) | 7.3522% | 822 |
| Cash dividends to net income (ytd only)* | 17.1640% | 3,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3915% | 1,736 |
| Loan loss allowance to noncurrent loans | 12,330.4348% | 70 |
| Noncurrent assets plus other real estate owned to assets | 0.0076% | 4,981 |
| Noncurrent loans to loans | 0.0113% | 4,869 |
| Net loans and leases to total assets | 66.6720% | 3,103 |
| Net loans and leases to deposits | 74.3416% | 3,563 |
| Net loans and leases to core deposits | 76.3474% | 3,776 |
| Total domestic deposits to total assets | 89.6834% | 604 |
| Equity capital to assets | 10.1864% | 3,466 |
| Core capital (leverage) ratio | 10.7867% | 2,807 |
| Tier 1 risk-based capital ratio | 15.2544% | 2,759 |
| Total risk-based capital ratio | 16.5061% | 2,683 |
| Memoranda: | ||
| Average total assets | $571,120,000 | 1,253 |
| Average earning assets | $529,446,750 | 1,251 |
| Average equity | $58,739,500 | 1,347 |
| Average total loans | $395,962,750 | 1,269 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4128% | 2,374 |
| Cost of funding earning assets | 0.3615% | 3,999 |
| Net interest margin | 4.0514% | 1,696 |
| Noninterest income to average assets | 0.4506% | 3,145 |
| Noninterest expense to average assets | 2.0138% | 4,774 |
| Loan and lease loss provision to assets | 0.0357% | 3,202 |
| Net operating income to assets | 1.7765% | 612 |
| Return on assets (ROA) | 1.7744% | 619 |
| Pretax return on assets | 2.1497% | 433 |
| Return on Equity (ROE) | 17.1931% | 502 |
| Retained earnings to average equity (ytd only) | 13.3901% | 327 |
| Net charge-offs to loans | -0.0122% | 4,380 |
| Credit loss provision to net charge-offs | -416.6667% | 4,338 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9280% | 5,122 |
| Assets per employee ($millions) | 7.0937% | 884 |
| Cash dividends to net income (ytd only)* | 22.1194% | 2,927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3921% | 1,778 |
| Loan loss allowance to noncurrent loans | 24,473.9130% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0041% | 5,038 |
| Noncurrent loans to loans | 0.0057% | 4,938 |
| Net loans and leases to total assets | 70.2608% | 2,541 |
| Net loans and leases to deposits | 78.5359% | 3,107 |
| Net loans and leases to core deposits | 80.5037% | 3,372 |
| Total domestic deposits to total assets | 89.4633% | 756 |
| Equity capital to assets | 10.4392% | 3,176 |
| Core capital (leverage) ratio | 10.5487% | 2,982 |
| Tier 1 risk-based capital ratio | 15.2669% | 2,746 |
| Total risk-based capital ratio | 16.5189% | 2,675 |
| Memoranda: | ||
| Average total assets | $560,533,000 | 1,270 |
| Average earning assets | $518,986,330 | 1,276 |
| Average equity | $57,848,670 | 1,365 |
| Average total loans | $392,075,330 | 1,276 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3594% | 2,324 |
| Cost of funding earning assets | 0.3904% | 3,658 |
| Net interest margin | 3.9690% | 1,818 |
| Noninterest income to average assets | 0.4438% | 3,156 |
| Noninterest expense to average assets | 2.0350% | 4,781 |
| Loan and lease loss provision to assets | 0.0431% | 2,897 |
| Net operating income to assets | 1.6803% | 712 |
| Return on assets (ROA) | 1.6803% | 722 |
| Pretax return on assets | 2.0300% | 539 |
| Return on Equity (ROE) | 16.3774% | 568 |
| Retained earnings to average equity (ytd only) | 15.6775% | 268 |
| Net charge-offs to loans | -0.0311% | 4,763 |
| Credit loss provision to net charge-offs | -200.0000% | 3,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5368% | 5,110 |
| Assets per employee ($millions) | 6.6881% | 1,096 |
| Cash dividends to net income (ytd only)* | 4.2735% | 2,694 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4400% | 1,689 |
| Loan loss allowance to noncurrent loans | 23,312.5000% | 39 |
| Noncurrent assets plus other real estate owned to assets | 0.0042% | 5,123 |
| Noncurrent loans to loans | 0.0062% | 4,991 |
| Net loans and leases to total assets | 67.3624% | 2,841 |
| Net loans and leases to deposits | 75.1231% | 3,304 |
| Net loans and leases to core deposits | 77.1784% | 3,558 |
| Total domestic deposits to total assets | 89.6693% | 796 |
| Equity capital to assets | 10.1718% | 3,426 |
| Core capital (leverage) ratio | 10.1526% | 3,353 |
| Tier 1 risk-based capital ratio | 15.1220% | 2,821 |
| Total risk-based capital ratio | 16.3744% | 2,753 |
| Memoranda: | ||
| Average total assets | $557,052,500 | 1,284 |
| Average earning assets | $514,290,500 | 1,295 |
| Average equity | $57,152,000 | 1,386 |
| Average total loans | $385,935,500 | 1,299 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2894% | 2,364 |
| Cost of funding earning assets | 0.2698% | 4,396 |
| Net interest margin | 4.0197% | 1,691 |
| Noninterest income to average assets | 0.4405% | 3,370 |
| Noninterest expense to average assets | 2.0056% | 4,948 |
| Loan and lease loss provision to assets | 0.0186% | 3,929 |
| Net operating income to assets | 1.4843% | 838 |
| Return on assets (ROA) | 1.4847% | 856 |
| Pretax return on assets | 2.1106% | 383 |
| Return on Equity (ROE) | 14.6789% | 660 |
| Retained earnings to average equity (ytd only) | 14.6789% | 87 |
| Net charge-offs to loans | -0.0137% | 4,865 |
| Credit loss provision to net charge-offs | -192.3077% | 4,789 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.5122% | 5,285 |
| Assets per employee ($millions) | 6.5737% | 1,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4361% | 1,629 |
| Loan loss allowance to noncurrent loans | 36,700.0000% | 35 |
| Noncurrent assets plus other real estate owned to assets | 0.0027% | 5,183 |
| Noncurrent loans to loans | 0.0039% | 5,045 |
| Net loans and leases to total assets | 69.2471% | 2,637 |
| Net loans and leases to deposits | 77.7861% | 3,138 |
| Net loans and leases to core deposits | 79.8851% | 3,428 |
| Total domestic deposits to total assets | 89.0225% | 996 |
| Equity capital to assets | 10.3513% | 3,328 |
| Core capital (leverage) ratio | 10.0794% | 3,349 |
| Tier 1 risk-based capital ratio | 14.8330% | 2,909 |
| Total risk-based capital ratio | 16.0855% | 2,849 |
| Memoranda: | ||
| Average total assets | $538,950,400 | 1,302 |
| Average earning assets | $495,241,800 | 1,317 |
| Average equity | $54,513,800 | 1,416 |
| Average total loans | $380,238,200 | 1,287 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2983% | 2,264 |
| Cost of funding earning assets | 0.2676% | 4,427 |
| Net interest margin | 4.0307% | 1,602 |
| Noninterest income to average assets | 0.4417% | 3,388 |
| Noninterest expense to average assets | 1.9359% | 5,078 |
| Loan and lease loss provision to assets | 0.0372% | 3,367 |
| Net operating income to assets | 1.5567% | 792 |
| Return on assets (ROA) | 1.5567% | 813 |
| Pretax return on assets | 2.1619% | 397 |
| Return on Equity (ROE) | 15.4820% | 593 |
| Retained earnings to average equity (ytd only) | 15.4820% | 103 |
| Net charge-offs to loans | -0.0077% | 4,563 |
| Credit loss provision to net charge-offs | -681.8182% | 4,874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.8163% | 5,394 |
| Assets per employee ($millions) | 6.6878% | 1,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4722% | 1,638 |
| Loan loss allowance to noncurrent loans | 32,500.0000% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.0030% | 5,254 |
| Noncurrent loans to loans | 0.0045% | 5,128 |
| Net loans and leases to total assets | 65.8202% | 3,126 |
| Net loans and leases to deposits | 73.2028% | 3,646 |
| Net loans and leases to core deposits | 75.4165% | 3,851 |
| Total domestic deposits to total assets | 89.9148% | 501 |
| Equity capital to assets | 9.9381% | 3,980 |
| Core capital (leverage) ratio | 10.1151% | 3,423 |
| Tier 1 risk-based capital ratio | 14.6246% | 3,117 |
| Total risk-based capital ratio | 15.8772% | 3,033 |
| Memoranda: | ||
| Average total assets | $537,284,500 | 1,317 |
| Average earning assets | $492,310,750 | 1,330 |
| Average equity | $54,022,750 | 1,436 |
| Average total loans | $379,466,000 | 1,294 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3579% | 1,950 |
| Cost of funding earning assets | 0.2730% | 4,351 |
| Net interest margin | 4.0849% | 1,368 |
| Noninterest income to average assets | 0.4479% | 3,368 |
| Noninterest expense to average assets | 1.9145% | 5,163 |
| Loan and lease loss provision to assets | 0.0227% | 3,536 |
| Net operating income to assets | 1.6117% | 683 |
| Return on assets (ROA) | 1.6117% | 707 |
| Pretax return on assets | 2.2381% | 330 |
| Return on Equity (ROE) | 15.9640% | 535 |
| Retained earnings to average equity (ytd only) | 15.9640% | 103 |
| Net charge-offs to loans | -0.0147% | 4,659 |
| Credit loss provision to net charge-offs | -214.2857% | 4,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.8537% | 5,465 |
| Assets per employee ($millions) | 6.8393% | 993 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3791% | 2,038 |
| Loan loss allowance to noncurrent loans | 7,772.8571% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 5,239 |
| Noncurrent loans to loans | 0.0177% | 5,101 |
| Net loans and leases to total assets | 72.9360% | 2,054 |
| Net loans and leases to deposits | 81.3513% | 2,760 |
| Net loans and leases to core deposits | 83.8959% | 3,081 |
| Total domestic deposits to total assets | 89.6556% | 661 |
| Equity capital to assets | 10.2395% | 3,631 |
| Core capital (leverage) ratio | 9.7457% | 3,842 |
| Tier 1 risk-based capital ratio | 13.7706% | 3,554 |
| Total risk-based capital ratio | 15.0223% | 3,469 |
| Memoranda: | ||
| Average total assets | $529,120,670 | 1,346 |
| Average earning assets | $482,798,670 | 1,362 |
| Average equity | $53,420,330 | 1,452 |
| Average total loans | $380,859,000 | 1,297 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2657% | 2,055 |
| Cost of funding earning assets | 0.2454% | 4,575 |
| Net interest margin | 4.0203% | 1,417 |
| Noninterest income to average assets | 0.4517% | 3,302 |
| Noninterest expense to average assets | 1.9334% | 5,177 |
| Loan and lease loss provision to assets | 0.0228% | 3,286 |
| Net operating income to assets | 1.5554% | 741 |
| Return on assets (ROA) | 1.5554% | 762 |
| Pretax return on assets | 2.1513% | 385 |
| Return on Equity (ROE) | 15.5173% | 590 |
| Retained earnings to average equity (ytd only) | 15.5173% | 215 |
| Net charge-offs to loans | -0.0396% | 5,072 |
| Credit loss provision to net charge-offs | -81.0811% | 3,913 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.0708% | 5,498 |
| Assets per employee ($millions) | 7.0555% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4289% | 1,952 |
| Loan loss allowance to noncurrent loans | 25,809.5238% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 5,359 |
| Noncurrent loans to loans | 0.0055% | 5,240 |
| Net loans and leases to total assets | 69.7268% | 2,435 |
| Net loans and leases to deposits | 81.8143% | 2,533 |
| Net loans and leases to core deposits | 84.1531% | 2,887 |
| Total domestic deposits to total assets | 85.2257% | 2,992 |
| Equity capital to assets | 9.8818% | 3,895 |
| Core capital (leverage) ratio | 9.9040% | 3,619 |
| Tier 1 risk-based capital ratio | 13.6877% | 3,668 |
| Total risk-based capital ratio | 14.9398% | 3,571 |
| Memoranda: | ||
| Average total assets | $526,948,500 | 1,355 |
| Average earning assets | $479,170,500 | 1,380 |
| Average equity | $52,818,500 | 1,464 |
| Average total loans | $374,024,000 | 1,322 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2475% | 2,321 |
| Cost of funding earning assets | 0.2132% | 4,897 |
| Net interest margin | 4.0342% | 1,548 |
| Noninterest income to average assets | 0.4435% | 3,588 |
| Noninterest expense to average assets | 2.0954% | 5,009 |
| Loan and lease loss provision to assets | 0.0876% | 2,613 |
| Net operating income to assets | 1.4110% | 994 |
| Return on assets (ROA) | 1.4136% | 1,001 |
| Pretax return on assets | 1.9589% | 552 |
| Return on Equity (ROE) | 14.1638% | 748 |
| Retained earnings to average equity (ytd only) | 14.1638% | 122 |
| Net charge-offs to loans | -0.0421% | 5,349 |
| Credit loss provision to net charge-offs | -295.3020% | 5,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6350% | 5,456 |
| Assets per employee ($millions) | 6.9956% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4517% | 1,866 |
| Loan loss allowance to noncurrent loans | 17,843.3333% | 42 |
| Noncurrent assets plus other real estate owned to assets | 0.0058% | 5,401 |
| Noncurrent loans to loans | 0.0081% | 5,266 |
| Net loans and leases to total assets | 70.1955% | 2,432 |
| Net loans and leases to deposits | 81.6280% | 2,710 |
| Net loans and leases to core deposits | 83.1593% | 3,112 |
| Total domestic deposits to total assets | 85.9944% | 2,587 |
| Equity capital to assets | 10.1702% | 3,522 |
| Core capital (leverage) ratio | 10.1866% | 3,242 |
| Tier 1 risk-based capital ratio | 14.0181% | 3,456 |
| Total risk-based capital ratio | 15.2704% | 3,366 |
| Memoranda: | ||
| Average total assets | $502,328,800 | 1,371 |
| Average earning assets | $460,063,800 | 1,384 |
| Average equity | $50,135,000 | 1,515 |
| Average total loans | $354,192,600 | 1,323 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2296% | 2,417 |
| Cost of funding earning assets | 0.2158% | 4,915 |
| Net interest margin | 4.0137% | 1,611 |
| Noninterest income to average assets | 0.4448% | 3,595 |
| Noninterest expense to average assets | 1.9822% | 5,241 |
| Loan and lease loss provision to assets | 0.0856% | 2,511 |
| Net operating income to assets | 1.4754% | 921 |
| Return on assets (ROA) | 1.4788% | 959 |
| Pretax return on assets | 2.0723% | 492 |
| Return on Equity (ROE) | 14.8906% | 677 |
| Retained earnings to average equity (ytd only) | 14.8906% | 134 |
| Net charge-offs to loans | -0.0080% | 4,716 |
| Credit loss provision to net charge-offs | -1,523.8095% | 5,282 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.9335% | 5,596 |
| Assets per employee ($millions) | 7.0090% | 888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3968% | 2,221 |
| Loan loss allowance to noncurrent loans | 15,469.6970% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0064% | 5,510 |
| Noncurrent loans to loans | 0.0090% | 5,373 |
| Net loans and leases to total assets | 69.4791% | 2,573 |
| Net loans and leases to deposits | 77.3447% | 3,259 |
| Net loans and leases to core deposits | 78.7260% | 3,585 |
| Total domestic deposits to total assets | 89.8305% | 546 |
| Equity capital to assets | 10.0263% | 4,105 |
| Core capital (leverage) ratio | 9.9698% | 3,611 |
| Tier 1 risk-based capital ratio | 13.8256% | 3,649 |
| Total risk-based capital ratio | 15.0774% | 3,577 |
| Memoranda: | ||
| Average total assets | $498,491,750 | 1,385 |
| Average earning assets | $458,350,500 | 1,397 |
| Average equity | $49,506,500 | 1,538 |
| Average total loans | $350,556,000 | 1,334 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2292% | 2,413 |
| Cost of funding earning assets | 0.2216% | 4,922 |
| Net interest margin | 4.0076% | 1,620 |
| Noninterest income to average assets | 0.4429% | 3,574 |
| Noninterest expense to average assets | 1.9892% | 5,295 |
| Loan and lease loss provision to assets | 0.0813% | 2,511 |
| Net operating income to assets | 1.4604% | 958 |
| Return on assets (ROA) | 1.4641% | 999 |
| Pretax return on assets | 2.0632% | 503 |
| Return on Equity (ROE) | 14.7922% | 700 |
| Retained earnings to average equity (ytd only) | 14.7922% | 152 |
| Net charge-offs to loans | -0.0029% | 4,421 |
| Credit loss provision to net charge-offs | -4,000.0000% | 5,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1824% | 5,657 |
| Assets per employee ($millions) | 7.2602% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3851% | 2,358 |
| Loan loss allowance to noncurrent loans | 13,802.7778% | 53 |
| Noncurrent assets plus other real estate owned to assets | 0.0072% | 5,602 |
| Noncurrent loans to loans | 0.0100% | 5,460 |
| Net loans and leases to total assets | 70.6191% | 2,380 |
| Net loans and leases to deposits | 80.3416% | 2,889 |
| Net loans and leases to core deposits | 81.9065% | 3,280 |
| Total domestic deposits to total assets | 87.8986% | 1,481 |
| Equity capital to assets | 9.9938% | 4,235 |
| Core capital (leverage) ratio | 9.6983% | 3,929 |
| Tier 1 risk-based capital ratio | 13.5000% | 3,906 |
| Total risk-based capital ratio | 14.7517% | 3,815 |
| Memoranda: | ||
| Average total assets | $491,766,670 | 1,409 |
| Average earning assets | $452,237,330 | 1,421 |
| Average equity | $48,674,330 | 1,564 |
| Average total loans | $345,584,670 | 1,355 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1283% | 2,733 |
| Cost of funding earning assets | 0.2241% | 4,959 |
| Net interest margin | 3.9042% | 1,923 |
| Noninterest income to average assets | 0.4343% | 3,583 |
| Noninterest expense to average assets | 2.0297% | 5,266 |
| Loan and lease loss provision to assets | 0.0493% | 2,945 |
| Net operating income to assets | 1.3597% | 1,115 |
| Return on assets (ROA) | 1.3597% | 1,181 |
| Pretax return on assets | 1.9459% | 635 |
| Return on Equity (ROE) | 13.8059% | 875 |
| Retained earnings to average equity (ytd only) | 13.8059% | 334 |
| Net charge-offs to loans | -0.0106% | 4,557 |
| Credit loss provision to net charge-offs | -666.6667% | 4,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.4284% | 5,608 |
| Assets per employee ($millions) | 7.1198% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3982% | 2,431 |
| Loan loss allowance to noncurrent loans | 2,404.4776% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0403% | 5,467 |
| Noncurrent loans to loans | 0.0582% | 5,247 |
| Net loans and leases to total assets | 68.3848% | 2,600 |
| Net loans and leases to deposits | 77.6602% | 3,039 |
| Net loans and leases to core deposits | 79.2771% | 3,388 |
| Total domestic deposits to total assets | 88.0564% | 1,609 |
| Equity capital to assets | 9.7273% | 4,422 |
| Core capital (leverage) ratio | 9.6936% | 3,924 |
| Tier 1 risk-based capital ratio | 13.4026% | 4,044 |
| Total risk-based capital ratio | 14.6539% | 3,960 |
| Memoranda: | ||
| Average total assets | $487,174,000 | 1,421 |
| Average earning assets | $448,030,000 | 1,429 |
| Average equity | $47,979,500 | 1,574 |
| Average total loans | $339,008,500 | 1,371 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1429% | 2,763 |
| Cost of funding earning assets | 0.2238% | 5,055 |
| Net interest margin | 3.9191% | 1,968 |
| Noninterest income to average assets | 0.4900% | 3,395 |
| Noninterest expense to average assets | 2.2004% | 5,044 |
| Loan and lease loss provision to assets | 0.0362% | 3,624 |
| Net operating income to assets | 1.3328% | 1,197 |
| Return on assets (ROA) | 1.3328% | 1,233 |
| Pretax return on assets | 1.8242% | 768 |
| Return on Equity (ROE) | 13.5411% | 939 |
| Retained earnings to average equity (ytd only) | 13.5411% | 180 |
| Net charge-offs to loans | 0.0275% | 3,680 |
| Credit loss provision to net charge-offs | 189.6552% | 1,455 |
| Earnings coverage of net charge-offs (x) | 97.5287% | 585 |
| Efficiency ratio | 54.1871% | 5,510 |
| Assets per employee ($millions) | 6.5201% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4334% | 2,280 |
| Loan loss allowance to noncurrent loans | 2,737.9310% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.0366% | 5,532 |
| Noncurrent loans to loans | 0.0524% | 5,302 |
| Net loans and leases to total assets | 68.8290% | 2,568 |
| Net loans and leases to deposits | 78.4831% | 2,995 |
| Net loans and leases to core deposits | 80.1849% | 3,321 |
| Total domestic deposits to total assets | 87.6991% | 1,793 |
| Equity capital to assets | 9.9755% | 3,989 |
| Core capital (leverage) ratio | 9.8045% | 3,761 |
| Tier 1 risk-based capital ratio | 13.5749% | 3,964 |
| Total risk-based capital ratio | 14.8266% | 3,896 |
| Memoranda: | ||
| Average total assets | $456,093,800 | 1,472 |
| Average earning assets | $415,555,400 | 1,482 |
| Average equity | $44,892,800 | 1,643 |
| Average total loans | $316,049,400 | 1,406 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1369% | 2,790 |
| Cost of funding earning assets | 0.2233% | 5,151 |
| Net interest margin | 3.9136% | 1,985 |
| Noninterest income to average assets | 0.5116% | 3,286 |
| Noninterest expense to average assets | 2.2122% | 5,026 |
| Loan and lease loss provision to assets | 0.0310% | 3,619 |
| Net operating income to assets | 1.3356% | 1,254 |
| Return on assets (ROA) | 1.3356% | 1,304 |
| Pretax return on assets | 1.8274% | 845 |
| Return on Equity (ROE) | 13.6175% | 976 |
| Retained earnings to average equity (ytd only) | 13.6175% | 231 |
| Net charge-offs to loans | 0.0380% | 3,133 |
| Credit loss provision to net charge-offs | 117.9775% | 2,016 |
| Earnings coverage of net charge-offs (x) | 70.6539% | 811 |
| Efficiency ratio | 54.3455% | 5,485 |
| Assets per employee ($millions) | 6.3468% | 1,154 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4573% | 2,340 |
| Loan loss allowance to noncurrent loans | 2,583.5165% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0388% | 5,629 |
| Noncurrent loans to loans | 0.0564% | 5,394 |
| Net loans and leases to total assets | 67.6962% | 2,734 |
| Net loans and leases to deposits | 75.1842% | 3,406 |
| Net loans and leases to core deposits | 77.1956% | 3,679 |
| Total domestic deposits to total assets | 90.0405% | 553 |
| Equity capital to assets | 9.7906% | 4,405 |
| Core capital (leverage) ratio | 9.6343% | 4,132 |
| Tier 1 risk-based capital ratio | 13.7472% | 3,997 |
| Total risk-based capital ratio | 14.9995% | 3,935 |
| Memoranda: | ||
| Average total assets | $451,126,000 | 1,493 |
| Average earning assets | $410,248,750 | 1,510 |
| Average equity | $44,246,000 | 1,674 |
| Average total loans | $311,970,250 | 1,424 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1540% | 2,709 |
| Cost of funding earning assets | 0.2255% | 5,187 |
| Net interest margin | 3.9285% | 1,887 |
| Noninterest income to average assets | 0.5452% | 3,072 |
| Noninterest expense to average assets | 2.2780% | 4,898 |
| Loan and lease loss provision to assets | 0.0202% | 3,729 |
| Net operating income to assets | 1.3300% | 1,239 |
| Return on assets (ROA) | 1.3300% | 1,285 |
| Pretax return on assets | 1.8092% | 878 |
| Return on Equity (ROE) | 13.5526% | 993 |
| Retained earnings to average equity (ytd only) | 13.5526% | 266 |
| Net charge-offs to loans | 0.0188% | 3,321 |
| Credit loss provision to net charge-offs | 155.1724% | 1,505 |
| Earnings coverage of net charge-offs (x) | 140.3448% | 452 |
| Efficiency ratio | 55.4607% | 5,480 |
| Assets per employee ($millions) | 6.3493% | 1,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4886% | 2,343 |
| Loan loss allowance to noncurrent loans | 1,983.9662% | 298 |
| Noncurrent assets plus other real estate owned to assets | 0.0511% | 5,651 |
| Noncurrent loans to loans | 0.0750% | 5,431 |
| Net loans and leases to total assets | 67.1324% | 2,777 |
| Net loans and leases to deposits | 74.4916% | 3,436 |
| Net loans and leases to core deposits | 76.5530% | 3,713 |
| Total domestic deposits to total assets | 90.1208% | 612 |
| Equity capital to assets | 9.7424% | 4,353 |
| Core capital (leverage) ratio | 9.9255% | 3,709 |
| Tier 1 risk-based capital ratio | 13.8730% | 3,991 |
| Total risk-based capital ratio | 15.1259% | 3,927 |
| Memoranda: | ||
| Average total assets | $444,947,000 | 1,525 |
| Average earning assets | $403,465,000 | 1,541 |
| Average equity | $43,667,000 | 1,704 |
| Average total loans | $308,411,670 | 1,440 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2347% | 2,331 |
| Cost of funding earning assets | 0.2371% | 5,151 |
| Net interest margin | 3.9975% | 1,560 |
| Noninterest income to average assets | 0.4581% | 3,586 |
| Noninterest expense to average assets | 2.2265% | 5,083 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.2936% | 1,292 |
| Return on assets (ROA) | 1.2936% | 1,376 |
| Pretax return on assets | 1.8069% | 856 |
| Return on Equity (ROE) | 13.1306% | 1,055 |
| Retained earnings to average equity (ytd only) | 13.1306% | 431 |
| Net charge-offs to loans | 0.0105% | 2,979 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 246.0000% | 229 |
| Efficiency ratio | 55.2015% | 5,581 |
| Assets per employee ($millions) | 5.9133% | 1,458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5262% | 2,343 |
| Loan loss allowance to noncurrent loans | 1,392.2619% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0758% | 5,641 |
| Noncurrent loans to loans | 0.1096% | 5,370 |
| Net loans and leases to total assets | 68.0597% | 2,429 |
| Net loans and leases to deposits | 77.5266% | 2,871 |
| Net loans and leases to core deposits | 79.8391% | 3,185 |
| Total domestic deposits to total assets | 87.7888% | 1,939 |
| Equity capital to assets | 9.8569% | 4,315 |
| Core capital (leverage) ratio | 9.9318% | 3,695 |
| Tier 1 risk-based capital ratio | 13.6862% | 4,232 |
| Total risk-based capital ratio | 14.9394% | 4,133 |
| Memoranda: | ||
| Average total assets | $435,671,000 | 1,561 |
| Average earning assets | $389,640,000 | 1,594 |
| Average equity | $42,922,500 | 1,730 |
| Average total loans | $304,687,500 | 1,458 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4861% | 1,929 |
| Cost of funding earning assets | 0.2646% | 5,167 |
| Net interest margin | 4.2215% | 1,241 |
| Noninterest income to average assets | 0.4664% | 3,741 |
| Noninterest expense to average assets | 2.4182% | 4,798 |
| Loan and lease loss provision to assets | 0.1119% | 2,303 |
| Net operating income to assets | 1.1920% | 1,611 |
| Return on assets (ROA) | 1.1920% | 1,679 |
| Pretax return on assets | 1.6591% | 1,076 |
| Return on Equity (ROE) | 12.0637% | 1,391 |
| Retained earnings to average equity (ytd only) | 12.0637% | 293 |
| Net charge-offs to loans | -0.2675% | 6,317 |
| Credit loss provision to net charge-offs | -58.7847% | 5,440 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0340% | 5,560 |
| Assets per employee ($millions) | 5.7817% | 1,540 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5473% | 2,266 |
| Loan loss allowance to noncurrent loans | 1,710.2190% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0640% | 5,764 |
| Noncurrent loans to loans | 0.0905% | 5,526 |
| Net loans and leases to total assets | 69.6907% | 2,281 |
| Net loans and leases to deposits | 77.7630% | 3,002 |
| Net loans and leases to core deposits | 80.1730% | 3,281 |
| Total domestic deposits to total assets | 89.6194% | 918 |
| Equity capital to assets | 9.8470% | 4,292 |
| Core capital (leverage) ratio | 9.6380% | 4,046 |
| Tier 1 risk-based capital ratio | 14.2290% | 3,944 |
| Total risk-based capital ratio | 15.4838% | 3,871 |
| Memoranda: | ||
| Average total assets | $397,740,200 | 1,653 |
| Average earning assets | $350,748,400 | 1,704 |
| Average equity | $39,299,600 | 1,800 |
| Average total loans | $283,037,800 | 1,499 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4699% | 1,979 |
| Cost of funding earning assets | 0.2703% | 5,194 |
| Net interest margin | 4.1997% | 1,292 |
| Noninterest income to average assets | 0.4681% | 3,746 |
| Noninterest expense to average assets | 2.4301% | 4,729 |
| Loan and lease loss provision to assets | 0.1520% | 1,634 |
| Net operating income to assets | 1.1477% | 1,875 |
| Return on assets (ROA) | 1.1477% | 1,930 |
| Pretax return on assets | 1.5868% | 1,363 |
| Return on Equity (ROE) | 11.6049% | 1,594 |
| Retained earnings to average equity (ytd only) | 11.6049% | 446 |
| Net charge-offs to loans | -0.1697% | 6,275 |
| Credit loss provision to net charge-offs | -125.7062% | 5,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5854% | 5,496 |
| Assets per employee ($millions) | 5.3576% | 1,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4514% | 2,941 |
| Loan loss allowance to noncurrent loans | 1,476.8966% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.0694% | 5,881 |
| Noncurrent loans to loans | 0.0983% | 5,648 |
| Net loans and leases to total assets | 69.5921% | 2,257 |
| Net loans and leases to deposits | 77.2075% | 3,045 |
| Net loans and leases to core deposits | 79.6695% | 3,354 |
| Total domestic deposits to total assets | 90.1364% | 667 |
| Equity capital to assets | 9.6982% | 4,549 |
| Core capital (leverage) ratio | 9.6431% | 4,163 |
| Tier 1 risk-based capital ratio | 13.9668% | 4,242 |
| Total risk-based capital ratio | 15.2200% | 4,177 |
| Memoranda: | ||
| Average total assets | $390,213,750 | 1,690 |
| Average earning assets | $343,858,250 | 1,748 |
| Average equity | $38,592,000 | 1,838 |
| Average total loans | $278,083,500 | 1,544 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4658% | 1,942 |
| Cost of funding earning assets | 0.2761% | 5,227 |
| Net interest margin | 4.1897% | 1,273 |
| Noninterest income to average assets | 0.4583% | 3,802 |
| Noninterest expense to average assets | 2.4699% | 4,665 |
| Loan and lease loss provision to assets | 0.2336% | 972 |
| Net operating income to assets | 1.0788% | 2,012 |
| Return on assets (ROA) | 1.0788% | 2,081 |
| Pretax return on assets | 1.4594% | 1,677 |
| Return on Equity (ROE) | 10.8310% | 1,798 |
| Retained earnings to average equity (ytd only) | 10.8310% | 561 |
| Net charge-offs to loans | -0.0448% | 5,822 |
| Credit loss provision to net charge-offs | -729.5082% | 5,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6003% | 5,479 |
| Assets per employee ($millions) | 5.4127% | 1,776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4013% | 3,344 |
| Loan loss allowance to noncurrent loans | 1,648.7603% | 332 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 5,994 |
| Noncurrent loans to loans | 0.0850% | 5,768 |
| Net loans and leases to total assets | 70.0923% | 2,068 |
| Net loans and leases to deposits | 78.9124% | 2,672 |
| Net loans and leases to core deposits | 81.5069% | 3,029 |
| Total domestic deposits to total assets | 88.8229% | 1,459 |
| Equity capital to assets | 9.7925% | 4,369 |
| Core capital (leverage) ratio | 9.7130% | 4,016 |
| Tier 1 risk-based capital ratio | 14.1604% | 4,143 |
| Total risk-based capital ratio | 15.4134% | 4,079 |
| Memoranda: | ||
| Average total assets | $380,988,000 | 1,727 |
| Average earning assets | $336,874,670 | 1,786 |
| Average equity | $37,946,670 | 1,857 |
| Average total loans | $272,410,670 | 1,569 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5376% | 1,683 |
| Cost of funding earning assets | 0.2801% | 5,284 |
| Net interest margin | 4.2575% | 1,086 |
| Noninterest income to average assets | 0.4612% | 3,703 |
| Noninterest expense to average assets | 2.5538% | 4,433 |
| Loan and lease loss provision to assets | 0.2187% | 1,038 |
| Net operating income to assets | 1.0797% | 1,898 |
| Return on assets (ROA) | 1.0797% | 1,965 |
| Pretax return on assets | 1.4396% | 1,608 |
| Return on Equity (ROE) | 10.7429% | 1,783 |
| Retained earnings to average equity (ytd only) | 10.7429% | 794 |
| Net charge-offs to loans | -0.0661% | 5,939 |
| Credit loss provision to net charge-offs | -461.3636% | 5,166 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8874% | 5,425 |
| Assets per employee ($millions) | 5.0479% | 2,198 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3615% | 3,786 |
| Loan loss allowance to noncurrent loans | 28,700.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 6,331 |
| Noncurrent loans to loans | 0.0047% | 6,176 |
| Net loans and leases to total assets | 72.3628% | 1,523 |
| Net loans and leases to deposits | 80.7203% | 2,201 |
| Net loans and leases to core deposits | 82.6787% | 2,672 |
| Total domestic deposits to total assets | 89.6463% | 1,280 |
| Equity capital to assets | 10.1280% | 3,684 |
| Core capital (leverage) ratio | 10.0654% | 3,478 |
| Tier 1 risk-based capital ratio | 14.3111% | 4,119 |
| Total risk-based capital ratio | 15.5636% | 4,071 |
| Memoranda: | ||
| Average total assets | $371,211,000 | 1,776 |
| Average earning assets | $327,045,000 | 1,840 |
| Average equity | $37,308,500 | 1,882 |
| Average total loans | $266,246,500 | 1,604 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7253% | 1,505 |
| Cost of funding earning assets | 0.3284% | 5,339 |
| Net interest margin | 4.3969% | 914 |
| Noninterest income to average assets | 0.4993% | 3,765 |
| Noninterest expense to average assets | 2.7276% | 4,001 |
| Loan and lease loss provision to assets | 0.3023% | 1,111 |
| Net operating income to assets | 1.0801% | 1,998 |
| Return on assets (ROA) | 1.0797% | 2,075 |
| Pretax return on assets | 1.3539% | 1,952 |
| Return on Equity (ROE) | 10.2597% | 2,006 |
| Retained earnings to average equity (ytd only) | 10.2597% | 517 |
| Net charge-offs to loans | 0.2303% | 2,615 |
| Credit loss provision to net charge-offs | 185.3526% | 1,232 |
| Earnings coverage of net charge-offs (x) | 10.1591% | 2,412 |
| Efficiency ratio | 61.4381% | 5,301 |
| Assets per employee ($millions) | 5.2696% | 1,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3480% | 3,903 |
| Loan loss allowance to noncurrent loans | 26,800.0000% | 24 |
| Noncurrent assets plus other real estate owned to assets | 0.0035% | 6,437 |
| Noncurrent loans to loans | 0.0050% | 6,290 |
| Net loans and leases to total assets | 69.1207% | 2,156 |
| Net loans and leases to deposits | 76.9648% | 2,859 |
| Net loans and leases to core deposits | 78.9361% | 3,246 |
| Total domestic deposits to total assets | 89.8082% | 1,175 |
| Equity capital to assets | 9.9719% | 3,809 |
| Core capital (leverage) ratio | 9.8325% | 3,801 |
| Tier 1 risk-based capital ratio | 14.7978% | 3,783 |
| Total risk-based capital ratio | 16.0501% | 3,726 |
| Memoranda: | ||
| Average total assets | $339,085,400 | 1,897 |
| Average earning assets | $299,621,800 | 1,983 |
| Average equity | $35,683,200 | 1,930 |
| Average total loans | $240,103,800 | 1,724 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7745% | 1,406 |
| Cost of funding earning assets | 0.3382% | 5,407 |
| Net interest margin | 4.4364% | 827 |
| Noninterest income to average assets | 0.5110% | 3,728 |
| Noninterest expense to average assets | 2.7101% | 3,981 |
| Loan and lease loss provision to assets | 0.2814% | 1,236 |
| Net operating income to assets | 1.1786% | 1,703 |
| Return on assets (ROA) | 1.1780% | 1,777 |
| Pretax return on assets | 1.4534% | 1,754 |
| Return on Equity (ROE) | 11.0330% | 1,807 |
| Retained earnings to average equity (ytd only) | 11.0330% | 571 |
| Net charge-offs to loans | 0.3221% | 1,931 |
| Credit loss provision to net charge-offs | 123.0228% | 1,909 |
| Earnings coverage of net charge-offs (x) | 7.5870% | 2,777 |
| Efficiency ratio | 60.1827% | 5,407 |
| Assets per employee ($millions) | 5.0461% | 2,108 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2729% | 4,526 |
| Loan loss allowance to noncurrent loans | 44,900.0000% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.0020% | 6,530 |
| Noncurrent loans to loans | 0.0028% | 6,390 |
| Net loans and leases to total assets | 68.0396% | 2,287 |
| Net loans and leases to deposits | 78.3799% | 2,605 |
| Net loans and leases to core deposits | 80.4812% | 3,071 |
| Total domestic deposits to total assets | 86.8075% | 2,794 |
| Equity capital to assets | 10.1529% | 3,695 |
| Core capital (leverage) ratio | 10.0577% | 3,588 |
| Tier 1 risk-based capital ratio | 15.1927% | 3,635 |
| Total risk-based capital ratio | 16.4440% | 3,590 |
| Memoranda: | ||
| Average total assets | $331,638,000 | 1,952 |
| Average earning assets | $294,135,750 | 2,020 |
| Average equity | $35,408,000 | 1,963 |
| Average total loans | $235,516,500 | 1,755 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7880% | 1,352 |
| Cost of funding earning assets | 0.3491% | 5,414 |
| Net interest margin | 4.4388% | 790 |
| Noninterest income to average assets | 0.5187% | 3,709 |
| Noninterest expense to average assets | 2.7903% | 3,707 |
| Loan and lease loss provision to assets | 0.2479% | 1,507 |
| Net operating income to assets | 1.2410% | 1,486 |
| Return on assets (ROA) | 1.2399% | 1,587 |
| Pretax return on assets | 1.4735% | 1,701 |
| Return on Equity (ROE) | 11.4064% | 1,680 |
| Retained earnings to average equity (ytd only) | 11.4064% | 582 |
| Net charge-offs to loans | 0.1329% | 3,050 |
| Credit loss provision to net charge-offs | 259.7403% | 967 |
| Earnings coverage of net charge-offs (x) | 18.0519% | 1,572 |
| Efficiency ratio | 61.0325% | 5,328 |
| Assets per employee ($millions) | 4.7418% | 2,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3732% | 4,155 |
| Loan loss allowance to noncurrent loans | 663.5438% | 673 |
| Noncurrent assets plus other real estate owned to assets | 0.1523% | 6,034 |
| Noncurrent loans to loans | 0.2070% | 5,792 |
| Net loans and leases to total assets | 72.5693% | 1,468 |
| Net loans and leases to deposits | 81.8347% | 2,078 |
| Net loans and leases to core deposits | 84.2878% | 2,515 |
| Total domestic deposits to total assets | 88.6780% | 1,789 |
| Equity capital to assets | 11.1236% | 2,635 |
| Core capital (leverage) ratio | 10.7017% | 2,665 |
| Tier 1 risk-based capital ratio | 15.6216% | 3,412 |
| Total risk-based capital ratio | 16.8742% | 3,362 |
| Memoranda: | ||
| Average total assets | $322,760,000 | 2,009 |
| Average earning assets | $290,437,000 | 2,055 |
| Average equity | $35,085,670 | 1,983 |
| Average total loans | $231,718,670 | 1,775 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8402% | 1,211 |
| Cost of funding earning assets | 0.3574% | 5,466 |
| Net interest margin | 4.4828% | 698 |
| Noninterest income to average assets | 0.4918% | 3,825 |
| Noninterest expense to average assets | 2.7623% | 3,824 |
| Loan and lease loss provision to assets | 0.2477% | 1,458 |
| Net operating income to assets | 1.3996% | 1,023 |
| Return on assets (ROA) | 1.3985% | 1,116 |
| Pretax return on assets | 1.5050% | 1,543 |
| Return on Equity (ROE) | 13.0163% | 1,166 |
| Retained earnings to average equity (ytd only) | 13.0163% | 560 |
| Net charge-offs to loans | -0.0384% | 6,006 |
| Credit loss provision to net charge-offs | -909.0909% | 5,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3675% | 5,536 |
| Assets per employee ($millions) | 4.6771% | 2,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3826% | 4,321 |
| Loan loss allowance to noncurrent loans | 4,146.1538% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.0238% | 6,543 |
| Noncurrent loans to loans | 0.0333% | 6,393 |
| Net loans and leases to total assets | 70.4571% | 1,587 |
| Net loans and leases to deposits | 81.8903% | 1,845 |
| Net loans and leases to core deposits | 83.9478% | 2,329 |
| Total domestic deposits to total assets | 86.0384% | 3,509 |
| Equity capital to assets | 10.7468% | 3,268 |
| Core capital (leverage) ratio | 10.6273% | 2,627 |
| Tier 1 risk-based capital ratio | 15.2332% | 3,688 |
| Total risk-based capital ratio | 16.4861% | 3,639 |
| Memoranda: | ||
| Average total assets | $322,919,000 | 2,031 |
| Average earning assets | $289,908,000 | 2,079 |
| Average equity | $34,695,000 | 2,033 |
| Average total loans | $228,952,000 | 1,807 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8390% | 2,065 |
| Cost of funding earning assets | 0.4574% | 5,521 |
| Net interest margin | 4.3816% | 1,200 |
| Noninterest income to average assets | 0.6321% | 3,097 |
| Noninterest expense to average assets | 3.0872% | 2,966 |
| Loan and lease loss provision to assets | 0.4717% | 1,314 |
| Net operating income to assets | 0.9592% | 2,504 |
| Return on assets (ROA) | 0.9592% | 2,752 |
| Pretax return on assets | 0.9592% | 3,706 |
| Return on Equity (ROE) | 8.6967% | 2,790 |
| Retained earnings to average equity (ytd only) | 8.6967% | 913 |
| Net charge-offs to loans | 0.2130% | 3,685 |
| Credit loss provision to net charge-offs | 318.1818% | 764 |
| Earnings coverage of net charge-offs (x) | 9.6523% | 2,240 |
| Efficiency ratio | 67.4720% | 4,237 |
| Assets per employee ($millions) | 4.7528% | 2,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3447% | 4,430 |
| Loan loss allowance to noncurrent loans | 3,105.1546% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 6,580 |
| Noncurrent loans to loans | 0.0433% | 6,400 |
| Net loans and leases to total assets | 69.3954% | 1,959 |
| Net loans and leases to deposits | 78.2165% | 2,494 |
| Net loans and leases to core deposits | 79.9671% | 3,005 |
| Total domestic deposits to total assets | 88.7222% | 1,754 |
| Equity capital to assets | 10.7415% | 3,230 |
| Core capital (leverage) ratio | 10.3881% | 2,897 |
| Tier 1 risk-based capital ratio | 15.1869% | 3,621 |
| Total risk-based capital ratio | 16.4389% | 3,566 |
| Memoranda: | ||
| Average total assets | $296,807,600 | 2,160 |
| Average earning assets | $263,237,800 | 2,207 |
| Average equity | $32,736,400 | 2,109 |
| Average total loans | $206,618,400 | 1,951 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8647% | 2,137 |
| Cost of funding earning assets | 0.4747% | 5,595 |
| Net interest margin | 4.3900% | 1,220 |
| Noninterest income to average assets | 0.6506% | 2,990 |
| Noninterest expense to average assets | 3.0711% | 2,971 |
| Loan and lease loss provision to assets | 0.4347% | 1,454 |
| Net operating income to assets | 1.0295% | 2,365 |
| Return on assets (ROA) | 1.0295% | 2,584 |
| Pretax return on assets | 1.0295% | 3,603 |
| Return on Equity (ROE) | 9.2678% | 2,686 |
| Retained earnings to average equity (ytd only) | 9.2678% | 1,131 |
| Net charge-offs to loans | 0.3164% | 2,862 |
| Credit loss provision to net charge-offs | 197.9167% | 1,403 |
| Earnings coverage of net charge-offs (x) | 6.6667% | 2,744 |
| Efficiency ratio | 66.8483% | 4,278 |
| Assets per employee ($millions) | 4.4933% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2054% | 5,253 |
| Loan loss allowance to noncurrent loans | 4,758.4906% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0176% | 6,728 |
| Noncurrent loans to loans | 0.0253% | 6,569 |
| Net loans and leases to total assets | 68.6607% | 2,183 |
| Net loans and leases to deposits | 77.4441% | 2,737 |
| Net loans and leases to core deposits | 79.2029% | 3,302 |
| Total domestic deposits to total assets | 88.6584% | 1,619 |
| Equity capital to assets | 11.1453% | 3,102 |
| Core capital (leverage) ratio | 10.5641% | 2,848 |
| Tier 1 risk-based capital ratio | 16.1736% | 3,177 |
| Total risk-based capital ratio | 17.4241% | 3,151 |
| Memoranda: | ||
| Average total assets | $291,399,750 | 2,222 |
| Average earning assets | $257,851,250 | 2,275 |
| Average equity | $32,369,250 | 2,143 |
| Average total loans | $202,274,500 | 2,012 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8304% | 2,380 |
| Cost of funding earning assets | 0.4766% | 5,787 |
| Net interest margin | 4.3539% | 1,330 |
| Noninterest income to average assets | 0.6579% | 2,911 |
| Noninterest expense to average assets | 3.0793% | 2,986 |
| Loan and lease loss provision to assets | 0.4164% | 1,569 |
| Net operating income to assets | 1.0743% | 2,150 |
| Return on assets (ROA) | 1.0743% | 2,370 |
| Pretax return on assets | 1.0743% | 3,396 |
| Return on Equity (ROE) | 9.6827% | 2,489 |
| Retained earnings to average equity (ytd only) | 9.6827% | 1,063 |
| Net charge-offs to loans | 0.3641% | 2,556 |
| Credit loss provision to net charge-offs | 164.8352% | 1,690 |
| Earnings coverage of net charge-offs (x) | 5.9011% | 2,735 |
| Efficiency ratio | 66.4996% | 4,427 |
| Assets per employee ($millions) | 4.5638% | 2,780 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1110% | 5,739 |
| Loan loss allowance to noncurrent loans | 228,800.0000% | 1 |
| Noncurrent assets plus other real estate owned to assets | 0.0003% | 6,880 |
| Noncurrent loans to loans | 0.0005% | 6,739 |
| Net loans and leases to total assets | 67.6137% | 2,343 |
| Net loans and leases to deposits | 76.0166% | 2,989 |
| Net loans and leases to core deposits | 77.6380% | 3,569 |
| Total domestic deposits to total assets | 88.9460% | 1,542 |
| Equity capital to assets | 10.9027% | 3,222 |
| Core capital (leverage) ratio | 10.8716% | 2,421 |
| Tier 1 risk-based capital ratio | 16.0234% | 3,155 |
| Total risk-based capital ratio | 17.2035% | 3,153 |
| Memoranda: | ||
| Average total assets | $288,183,000 | 2,250 |
| Average earning assets | $258,941,000 | 2,269 |
| Average equity | $31,974,670 | 2,153 |
| Average total loans | $199,957,670 | 2,026 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8681% | 2,360 |
| Cost of funding earning assets | 0.5121% | 5,735 |
| Net interest margin | 4.3560% | 1,325 |
| Noninterest income to average assets | 0.5538% | 3,539 |
| Noninterest expense to average assets | 3.1285% | 2,824 |
| Loan and lease loss provision to assets | 0.4260% | 1,472 |
| Net operating income to assets | 0.8890% | 2,978 |
| Return on assets (ROA) | 0.8890% | 3,199 |
| Pretax return on assets | 0.8890% | 4,072 |
| Return on Equity (ROE) | 7.9386% | 3,311 |
| Retained earnings to average equity (ytd only) | 7.9386% | 2,005 |
| Net charge-offs to loans | 0.1665% | 3,089 |
| Credit loss provision to net charge-offs | 365.8537% | 847 |
| Earnings coverage of net charge-offs (x) | 11.2927% | 1,682 |
| Efficiency ratio | 69.4791% | 3,905 |
| Assets per employee ($millions) | 4.2140% | 3,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1418% | 5,748 |
| Loan loss allowance to noncurrent loans | 498.0263% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.3081% | 6,122 |
| Noncurrent loans to loans | 0.2293% | 6,233 |
| Net loans and leases to total assets | 69.6449% | 1,813 |
| Net loans and leases to deposits | 78.6651% | 2,388 |
| Net loans and leases to core deposits | 80.5463% | 3,006 |
| Total domestic deposits to total assets | 88.5335% | 1,990 |
| Equity capital to assets | 11.2951% | 2,634 |
| Core capital (leverage) ratio | 11.0645% | 2,210 |
| Tier 1 risk-based capital ratio | 15.8623% | 3,241 |
| Total risk-based capital ratio | 17.0594% | 3,247 |
| Memoranda: | ||
| Average total assets | $281,669,000 | 2,304 |
| Average earning assets | $251,513,000 | 2,352 |
| Average equity | $31,542,000 | 2,176 |
| Average total loans | $196,962,500 | 2,060 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9456% | 3,126 |
| Cost of funding earning assets | 0.6687% | 5,718 |
| Net interest margin | 4.2768% | 1,778 |
| Noninterest income to average assets | 0.4447% | 4,267 |
| Noninterest expense to average assets | 3.1466% | 3,038 |
| Loan and lease loss provision to assets | 0.2848% | 3,384 |
| Net operating income to assets | 0.8777% | 2,706 |
| Return on assets (ROA) | 0.8769% | 2,840 |
| Pretax return on assets | 0.8769% | 3,683 |
| Return on Equity (ROE) | 7.7168% | 3,048 |
| Retained earnings to average equity (ytd only) | 7.7168% | 1,184 |
| Net charge-offs to loans | 0.0312% | 6,014 |
| Credit loss provision to net charge-offs | 1,315.7895% | 166 |
| Earnings coverage of net charge-offs (x) | 53.7018% | 522 |
| Efficiency ratio | 72.0078% | 3,576 |
| Assets per employee ($millions) | 4.4604% | 2,979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0522% | 5,992 |
| Loan loss allowance to noncurrent loans | 261.7347% | 1,261 |
| Noncurrent assets plus other real estate owned to assets | 0.4512% | 5,839 |
| Noncurrent loans to loans | 0.4020% | 5,909 |
| Net loans and leases to total assets | 68.6719% | 2,275 |
| Net loans and leases to deposits | 78.1936% | 2,806 |
| Net loans and leases to core deposits | 80.3389% | 3,412 |
| Total domestic deposits to total assets | 87.8229% | 2,263 |
| Equity capital to assets | 11.1009% | 2,889 |
| Core capital (leverage) ratio | 10.8792% | 2,368 |
| Tier 1 risk-based capital ratio | 16.0090% | 3,044 |
| Total risk-based capital ratio | 17.1276% | 3,072 |
| Memoranda: | ||
| Average total assets | $263,301,000 | 2,397 |
| Average earning assets | $237,909,400 | 2,424 |
| Average equity | $29,921,600 | 2,205 |
| Average total loans | $182,615,200 | 2,205 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9743% | 3,219 |
| Cost of funding earning assets | 0.6999% | 5,763 |
| Net interest margin | 4.2744% | 1,810 |
| Noninterest income to average assets | 0.4398% | 4,364 |
| Noninterest expense to average assets | 3.2385% | 2,704 |
| Loan and lease loss provision to assets | 0.2014% | 4,004 |
| Net operating income to assets | 0.8843% | 2,803 |
| Return on assets (ROA) | 0.8838% | 2,959 |
| Pretax return on assets | 0.8838% | 3,830 |
| Return on Equity (ROE) | 7.7286% | 3,163 |
| Retained earnings to average equity (ytd only) | 7.7286% | 1,612 |
| Net charge-offs to loans | 0.0319% | 5,703 |
| Credit loss provision to net charge-offs | 909.3023% | 292 |
| Earnings coverage of net charge-offs (x) | 49.0249% | 658 |
| Efficiency ratio | 73.8685% | 3,206 |
| Assets per employee ($millions) | 4.3045% | 3,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9141% | 6,560 |
| Loan loss allowance to noncurrent loans | 199.1832% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 0.5186% | 5,790 |
| Noncurrent loans to loans | 0.4589% | 5,931 |
| Net loans and leases to total assets | 69.3314% | 2,210 |
| Net loans and leases to deposits | 78.5106% | 2,889 |
| Net loans and leases to core deposits | 80.6831% | 3,535 |
| Total domestic deposits to total assets | 88.3084% | 1,867 |
| Equity capital to assets | 11.4660% | 2,712 |
| Core capital (leverage) ratio | 11.1807% | 2,251 |
| Tier 1 risk-based capital ratio | 16.1439% | 3,041 |
| Total risk-based capital ratio | 17.1028% | 3,149 |
| Memoranda: | ||
| Average total assets | $258,875,500 | 2,448 |
| Average earning assets | $235,255,250 | 2,463 |
| Average equity | $29,603,500 | 2,222 |
| Average total loans | $179,513,500 | 2,273 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8886% | 3,675 |
| Cost of funding earning assets | 0.7303% | 5,780 |
| Net interest margin | 4.1583% | 2,192 |
| Noninterest income to average assets | 0.4535% | 4,261 |
| Noninterest expense to average assets | 3.3137% | 2,513 |
| Loan and lease loss provision to assets | 0.1296% | 4,670 |
| Net operating income to assets | 0.8017% | 3,065 |
| Return on assets (ROA) | 0.8017% | 3,191 |
| Pretax return on assets | 0.8017% | 4,020 |
| Return on Equity (ROE) | 7.0171% | 3,441 |
| Retained earnings to average equity (ytd only) | 7.0171% | 1,870 |
| Net charge-offs to loans | 0.0124% | 5,676 |
| Credit loss provision to net charge-offs | 1,509.0909% | 226 |
| Earnings coverage of net charge-offs (x) | 108.4545% | 335 |
| Efficiency ratio | 76.9952% | 2,862 |
| Assets per employee ($millions) | 4.1824% | 3,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8312% | 6,813 |
| Loan loss allowance to noncurrent loans | 161.9251% | 1,841 |
| Noncurrent assets plus other real estate owned to assets | 0.6888% | 5,531 |
| Noncurrent loans to loans | 0.5133% | 5,876 |
| Net loans and leases to total assets | 69.6618% | 2,287 |
| Net loans and leases to deposits | 78.8769% | 2,981 |
| Net loans and leases to core deposits | 81.1147% | 3,634 |
| Total domestic deposits to total assets | 88.3171% | 1,954 |
| Equity capital to assets | 11.5063% | 2,496 |
| Core capital (leverage) ratio | 10.9511% | 2,299 |
| Tier 1 risk-based capital ratio | 16.5277% | 2,728 |
| Total risk-based capital ratio | 17.4209% | 2,864 |
| Memoranda: | ||
| Average total assets | $256,208,670 | 2,485 |
| Average earning assets | $233,602,670 | 2,492 |
| Average equity | $29,271,330 | 2,220 |
| Average total loans | $177,106,000 | 2,318 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7202% | 4,430 |
| Cost of funding earning assets | 0.7750% | 5,715 |
| Net interest margin | 3.9452% | 2,936 |
| Noninterest income to average assets | 0.4068% | 4,657 |
| Noninterest expense to average assets | 3.0959% | 3,259 |
| Loan and lease loss provision to assets | 0.1178% | 4,535 |
| Net operating income to assets | 0.7995% | 3,037 |
| Return on assets (ROA) | 0.7995% | 3,104 |
| Pretax return on assets | 0.7995% | 3,902 |
| Return on Equity (ROE) | 7.0235% | 3,367 |
| Retained earnings to average equity (ytd only) | 7.0235% | 2,139 |
| Net charge-offs to loans | 0.0206% | 4,788 |
| Credit loss provision to net charge-offs | 833.3333% | 458 |
| Earnings coverage of net charge-offs (x) | 64.8889% | 464 |
| Efficiency ratio | 76.0078% | 3,162 |
| Assets per employee ($millions) | 4.5612% | 2,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8104% | 6,892 |
| Loan loss allowance to noncurrent loans | 148.5923% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.7612% | 5,397 |
| Noncurrent loans to loans | 0.5454% | 5,938 |
| Net loans and leases to total assets | 67.0822% | 2,737 |
| Net loans and leases to deposits | 75.6975% | 3,468 |
| Net loans and leases to core deposits | 78.3422% | 3,977 |
| Total domestic deposits to total assets | 88.6188% | 2,007 |
| Equity capital to assets | 11.2558% | 2,452 |
| Core capital (leverage) ratio | 11.0916% | 2,119 |
| Tier 1 risk-based capital ratio | 16.7806% | 2,554 |
| Total risk-based capital ratio | 17.6514% | 2,677 |
| Memoranda: | ||
| Average total assets | $254,658,000 | 2,523 |
| Average earning assets | $232,786,500 | 2,516 |
| Average equity | $28,988,500 | 2,232 |
| Average total loans | $174,582,000 | 2,367 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6027% | 1,880 |
| Cost of funding earning assets | 1.1150% | 5,051 |
| Net interest margin | 4.4878% | 1,252 |
| Noninterest income to average assets | 0.4058% | 4,867 |
| Noninterest expense to average assets | 3.6650% | 1,782 |
| Loan and lease loss provision to assets | 0.2015% | 5,224 |
| Net operating income to assets | 0.4674% | 4,237 |
| Return on assets (ROA) | 0.4674% | 4,407 |
| Pretax return on assets | 0.4674% | 4,735 |
| Return on Equity (ROE) | 4.6039% | 4,247 |
| Retained earnings to average equity (ytd only) | 4.6039% | 2,660 |
| Net charge-offs to loans | 0.3629% | 4,206 |
| Credit loss provision to net charge-offs | 75.4237% | 5,720 |
| Earnings coverage of net charge-offs (x) | 2.5034% | 3,862 |
| Efficiency ratio | 83.3647% | 2,003 |
| Assets per employee ($millions) | 4.4523% | 2,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7840% | 7,003 |
| Loan loss allowance to noncurrent loans | 132.4561% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.8206% | 5,355 |
| Noncurrent loans to loans | 0.5919% | 5,861 |
| Net loans and leases to total assets | 68.9752% | 2,753 |
| Net loans and leases to deposits | 78.1305% | 3,493 |
| Net loans and leases to core deposits | 80.8915% | 4,082 |
| Total domestic deposits to total assets | 88.2820% | 2,076 |
| Equity capital to assets | 11.5162% | 2,246 |
| Core capital (leverage) ratio | 11.1271% | 2,067 |
| Tier 1 risk-based capital ratio | 16.7654% | 2,438 |
| Total risk-based capital ratio | 17.6123% | 2,547 |
| Memoranda: | ||
| Average total assets | $220,819,400 | 2,857 |
| Average earning assets | $193,281,200 | 2,960 |
| Average equity | $22,415,600 | 2,829 |
| Average total loans | $162,565,000 | 2,583 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8322% | 1,304 |
| Cost of funding earning assets | 1.1843% | 4,954 |
| Net interest margin | 4.6479% | 946 |
| Noninterest income to average assets | 0.3999% | 4,955 |
| Noninterest expense to average assets | 3.7186% | 1,531 |
| Loan and lease loss provision to assets | 0.2465% | 4,624 |
| Net operating income to assets | 0.4655% | 4,460 |
| Return on assets (ROA) | 0.4655% | 4,654 |
| Pretax return on assets | 0.4655% | 5,025 |
| Return on Equity (ROE) | 4.7725% | 4,416 |
| Retained earnings to average equity (ytd only) | 4.7725% | 3,145 |
| Net charge-offs to loans | 0.3720% | 3,819 |
| Credit loss provision to net charge-offs | 88.5650% | 4,823 |
| Earnings coverage of net charge-offs (x) | 2.5583% | 3,880 |
| Efficiency ratio | 82.7207% | 1,982 |
| Assets per employee ($millions) | 4.0904% | 3,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8611% | 6,861 |
| Loan loss allowance to noncurrent loans | 81.9053% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 0.9968% | 5,093 |
| Noncurrent loans to loans | 1.0513% | 5,141 |
| Net loans and leases to total assets | 71.7538% | 2,304 |
| Net loans and leases to deposits | 79.1018% | 3,619 |
| Net loans and leases to core deposits | 82.2164% | 4,217 |
| Total domestic deposits to total assets | 90.7107% | 544 |
| Equity capital to assets | 9.1422% | 5,389 |
| Core capital (leverage) ratio | 8.5671% | 5,391 |
| Tier 1 risk-based capital ratio | 12.4290% | 5,054 |
| Total risk-based capital ratio | 13.3582% | 5,324 |
| Memoranda: | ||
| Average total assets | $213,692,750 | 2,994 |
| Average earning assets | $185,312,000 | 3,106 |
| Average equity | $20,841,250 | 3,068 |
| Average total loans | $159,873,250 | 2,661 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0453% | 852 |
| Cost of funding earning assets | 1.2317% | 4,951 |
| Net interest margin | 4.8136% | 647 |
| Noninterest income to average assets | 0.3803% | 5,082 |
| Noninterest expense to average assets | 3.8860% | 1,208 |
| Loan and lease loss provision to assets | 0.3571% | 3,577 |
| Net operating income to assets | 0.2789% | 5,265 |
| Return on assets (ROA) | 0.2789% | 5,415 |
| Pretax return on assets | 0.2789% | 5,566 |
| Return on Equity (ROE) | 2.7945% | 5,326 |
| Retained earnings to average equity (ytd only) | 2.7945% | 4,353 |
| Net charge-offs to loans | 0.5685% | 2,835 |
| Credit loss provision to net charge-offs | 82.9596% | 4,629 |
| Earnings coverage of net charge-offs (x) | 1.4776% | 4,378 |
| Efficiency ratio | 84.6958% | 1,846 |
| Assets per employee ($millions) | 3.9070% | 3,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8791% | 6,825 |
| Loan loss allowance to noncurrent loans | 72.0484% | 3,752 |
| Noncurrent assets plus other real estate owned to assets | 1.1174% | 4,894 |
| Noncurrent loans to loans | 1.2201% | 4,927 |
| Net loans and leases to total assets | 71.0569% | 2,637 |
| Net loans and leases to deposits | 78.3560% | 3,905 |
| Net loans and leases to core deposits | 81.6362% | 4,472 |
| Total domestic deposits to total assets | 90.6848% | 608 |
| Equity capital to assets | 9.1930% | 5,154 |
| Core capital (leverage) ratio | 8.6593% | 5,144 |
| Tier 1 risk-based capital ratio | 12.6322% | 4,749 |
| Total risk-based capital ratio | 13.5854% | 4,984 |
| Memoranda: | ||
| Average total assets | $207,207,000 | 3,073 |
| Average earning assets | $178,287,330 | 3,214 |
| Average equity | $20,683,330 | 3,081 |
| Average total loans | $156,915,330 | 2,738 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3106% | 522 |
| Cost of funding earning assets | 1.1861% | 5,478 |
| Net interest margin | 5.1246% | 329 |
| Noninterest income to average assets | 0.2876% | 5,844 |
| Noninterest expense to average assets | 3.7001% | 1,519 |
| Loan and lease loss provision to assets | 0.7493% | 1,699 |
| Net operating income to assets | 0.3969% | 4,856 |
| Return on assets (ROA) | 0.3969% | 4,996 |
| Pretax return on assets | 0.3969% | 5,299 |
| Return on Equity (ROE) | 3.8042% | 4,981 |
| Retained earnings to average equity (ytd only) | 3.8042% | 3,861 |
| Net charge-offs to loans | 0.0026% | 5,586 |
| Credit loss provision to net charge-offs | 37,000.0000% | 6 |
| Earnings coverage of net charge-offs (x) | 566.0000% | 41 |
| Efficiency ratio | 76.3477% | 3,159 |
| Assets per employee ($millions) | 3.7099% | 4,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 5,528 |
| Loan loss allowance to noncurrent loans | 88.9364% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 1.3578% | 4,477 |
| Noncurrent loans to loans | 1.3438% | 4,730 |
| Net loans and leases to total assets | 74.5325% | 1,849 |
| Net loans and leases to deposits | 82.8970% | 3,122 |
| Net loans and leases to core deposits | 89.8204% | 3,383 |
| Total domestic deposits to total assets | 89.9097% | 1,035 |
| Equity capital to assets | 9.9723% | 3,906 |
| Core capital (leverage) ratio | 9.7974% | 3,402 |
| Tier 1 risk-based capital ratio | 12.7542% | 4,519 |
| Total risk-based capital ratio | 14.0045% | 4,478 |
| Memoranda: | ||
| Average total assets | $197,507,000 | 3,251 |
| Average earning assets | $175,703,000 | 3,311 |
| Average equity | $20,609,000 | 3,118 |
| Average total loans | $154,149,000 | 2,837 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8175% | 6,911 |
| Cost of funding earning assets | 1.5855% | 5,099 |
| Net interest margin | 3.2319% | 5,984 |
| Noninterest income to average assets | 0.4314% | 4,944 |
| Noninterest expense to average assets | 4.7401% | 635 |
| Loan and lease loss provision to assets | 1.1051% | 2,066 |
| Net operating income to assets | -2.5379% | 7,278 |
| Return on assets (ROA) | -2.3891% | 7,232 |
| Pretax return on assets | -2.3891% | 7,105 |
| Return on Equity (ROE) | -18.8430% | 7,103 |
| Retained earnings to average equity (ytd only) | -18.8430% | 7,062 |
| Net charge-offs to loans | 0.3559% | 4,447 |
| Credit loss provision to net charge-offs | 391.0204% | 813 |
| Earnings coverage of net charge-offs (x) | -5.0694% | 7,108 |
| Efficiency ratio | 143.3205% | 358 |
| Assets per employee ($millions) | 3.3439% | 5,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9922% | 6,436 |
| Loan loss allowance to noncurrent loans | 539.0681% | 619 |
| Noncurrent assets plus other real estate owned to assets | 0.5848% | 5,997 |
| Noncurrent loans to loans | 0.1841% | 6,963 |
| Net loans and leases to total assets | 80.1435% | 966 |
| Net loans and leases to deposits | 90.2159% | 2,184 |
| Net loans and leases to core deposits | 117.0037% | 2,226 |
| Total domestic deposits to total assets | 88.8352% | 1,551 |
| Equity capital to assets | 10.9474% | 2,743 |
| Core capital (leverage) ratio | 11.0256% | 2,214 |
| Tier 1 risk-based capital ratio | 13.2194% | 4,000 |
| Total risk-based capital ratio | 14.2920% | 4,065 |
| Memoranda: | ||
| Average total assets | $86,686,400 | 5,500 |
| Average earning assets | $77,136,200 | 5,556 |
| Average equity | $10,990,800 | 5,026 |
| Average total loans | $68,843,400 | 4,911 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7683% | 449 |
| Cost of funding earning assets | 2.3015% | 1,981 |
| Net interest margin | 4.4667% | 1,275 |
| Noninterest income to average assets | 0.6023% | 3,680 |
| Noninterest expense to average assets | 4.2267% | 1,005 |
| Loan and lease loss provision to assets | 0.3423% | 4,278 |
| Net operating income to assets | -0.0650% | 5,833 |
| Return on assets (ROA) | 0.2145% | 5,189 |
| Pretax return on assets | 0.2145% | 5,263 |
| Return on Equity (ROE) | 1.5325% | 5,323 |
| Retained earnings to average equity (ytd only) | 1.5325% | 4,458 |
| Net charge-offs to loans | 0.6368% | 2,774 |
| Credit loss provision to net charge-offs | 68.6957% | 6,007 |
| Earnings coverage of net charge-offs (x) | 0.5565% | 5,473 |
| Efficiency ratio | 93.8432% | 1,410 |
| Assets per employee ($millions) | 3.5066% | 4,908 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3739% | 4,093 |
| Loan loss allowance to noncurrent loans | 270.3008% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 2.0604% | 3,263 |
| Noncurrent loans to loans | 0.5083% | 6,290 |
| Net loans and leases to total assets | 73.5937% | 2,647 |
| Net loans and leases to deposits | 84.1738% | 3,616 |
| Net loans and leases to core deposits | 125.3418% | 1,785 |
| Total domestic deposits to total assets | 87.4307% | 1,933 |
| Equity capital to assets | 12.3326% | 2,049 |
| Core capital (leverage) ratio | 12.7381% | 1,482 |
| Tier 1 risk-based capital ratio | 16.4083% | 2,470 |
| Total risk-based capital ratio | 17.6606% | 2,408 |
| Memoranda: | ||
| Average total assets | $61,543,250 | 6,333 |
| Average earning assets | $53,759,500 | 6,434 |
| Average equity | $8,613,500 | 5,785 |
| Average total loans | $48,159,250 | 5,796 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8547% | 408 |
| Cost of funding earning assets | 2.3868% | 2,020 |
| Net interest margin | 4.4679% | 1,252 |
| Noninterest income to average assets | 0.5760% | 3,864 |
| Noninterest expense to average assets | 4.3149% | 930 |
| Loan and lease loss provision to assets | 0.4669% | 3,185 |
| Net operating income to assets | -0.3204% | 6,346 |
| Return on assets (ROA) | 0.1193% | 5,607 |
| Pretax return on assets | 0.1193% | 5,630 |
| Return on Equity (ROE) | 0.8138% | 5,687 |
| Retained earnings to average equity (ytd only) | 0.8138% | 4,864 |
| Net charge-offs to loans | 0.2224% | 4,112 |
| Credit loss provision to net charge-offs | 263.4615% | 1,768 |
| Earnings coverage of net charge-offs (x) | 0.8269% | 4,916 |
| Efficiency ratio | 96.7150% | 1,330 |
| Assets per employee ($millions) | 3.2275% | 5,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6703% | 2,443 |
| Loan loss allowance to noncurrent loans | 90.8714% | 3,157 |
| Noncurrent assets plus other real estate owned to assets | 3.4470% | 1,806 |
| Noncurrent loans to loans | 1.8381% | 3,751 |
| Net loans and leases to total assets | 79.8928% | 1,332 |
| Net loans and leases to deposits | 92.3995% | 2,393 |
| Net loans and leases to core deposits | 138.1204% | 1,101 |
| Total domestic deposits to total assets | 86.4645% | 2,527 |
| Equity capital to assets | 13.3000% | 1,562 |
| Core capital (leverage) ratio | 14.3959% | 1,044 |
| Tier 1 risk-based capital ratio | 16.3627% | 2,496 |
| Total risk-based capital ratio | 17.6187% | 2,445 |
| Memoranda: | ||
| Average total assets | $58,680,670 | 6,490 |
| Average earning assets | $51,030,330 | 6,596 |
| Average equity | $8,601,670 | 5,813 |
| Average total loans | $46,768,670 | 5,901 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8395% | 450 |
| Cost of funding earning assets | 2.6312% | 1,481 |
| Net interest margin | 4.2083% | 1,867 |
| Noninterest income to average assets | 0.5310% | 4,050 |
| Noninterest expense to average assets | 4.2406% | 900 |
| Loan and lease loss provision to assets | 0.0000% | 6,744 |
| Net operating income to assets | -0.0718% | 6,364 |
| Return on assets (ROA) | -0.0718% | 6,482 |
| Pretax return on assets | -0.0718% | 6,455 |
| Return on Equity (ROE) | -0.4646% | 6,462 |
| Retained earnings to average equity (ytd only) | -0.4646% | 5,757 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.7212% | 1,061 |
| Assets per employee ($millions) | 3.6062% | 4,550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7192% | 2,078 |
| Loan loss allowance to noncurrent loans | 76.5731% | 3,808 |
| Noncurrent assets plus other real estate owned to assets | 3.6084% | 1,473 |
| Noncurrent loans to loans | 2.2452% | 2,935 |
| Net loans and leases to total assets | 78.3688% | 1,728 |
| Net loans and leases to deposits | 94.6082% | 2,170 |
| Net loans and leases to core deposits | 143.2763% | 957 |
| Total domestic deposits to total assets | 82.8351% | 4,226 |
| Equity capital to assets | 14.9344% | 1,120 |
| Core capital (leverage) ratio | 15.2312% | 915 |
| Tier 1 risk-based capital ratio | 18.2451% | 1,992 |
| Total risk-based capital ratio | 19.5014% | 1,948 |
| Memoranda: | ||
| Average total assets | $55,746,500 | 6,641 |
| Average earning assets | $48,191,000 | 6,740 |
| Average equity | $8,610,000 | 5,840 |
| Average total loans | $43,930,000 | 6,061 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5018% | 2,954 |
| Cost of funding earning assets | 2.9635% | 2,014 |
| Net interest margin | 3.5383% | 5,157 |
| Noninterest income to average assets | 0.4630% | 4,939 |
| Noninterest expense to average assets | 5.0420% | 609 |
| Loan and lease loss provision to assets | 2.3329% | 471 |
| Net operating income to assets | -3.7464% | 7,948 |
| Return on assets (ROA) | -3.7464% | 7,926 |
| Pretax return on assets | -3.7464% | 7,848 |
| Return on Equity (ROE) | -17.5939% | 7,692 |
| Retained earnings to average equity (ytd only) | -17.5939% | 7,599 |
| Net charge-offs to loans | 1.7834% | 615 |
| Credit loss provision to net charge-offs | 188.1508% | 2,631 |
| Earnings coverage of net charge-offs (x) | -1.1400% | 6,616 |
| Efficiency ratio | 138.9571% | 407 |
| Assets per employee ($millions) | 3.3621% | 5,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8900% | 1,444 |
| Loan loss allowance to noncurrent loans | 106.8919% | 3,253 |
| Noncurrent assets plus other real estate owned to assets | 3.3461% | 1,347 |
| Noncurrent loans to loans | 1.7682% | 3,112 |
| Net loans and leases to total assets | 76.3282% | 2,536 |
| Net loans and leases to deposits | 95.3243% | 2,557 |
| Net loans and leases to core deposits | 156.0564% | 664 |
| Total domestic deposits to total assets | 80.0721% | 4,991 |
| Equity capital to assets | 15.9925% | 935 |
| Core capital (leverage) ratio | 19.1013% | 504 |
| Tier 1 risk-based capital ratio | 20.0884% | 1,606 |
| Total risk-based capital ratio | 21.3455% | 1,568 |
| Memoranda: | ||
| Average total assets | $44,922,800 | 6,992 |
| Average earning assets | $40,189,000 | 7,032 |
| Average equity | $9,565,800 | 5,546 |
| Average total loans | $31,232,000 | 6,640 |