Home > United Bank & Capital Trust Company > Performance and Condition Ratios
United Bank & Capital Trust Company, Performance and Condition Ratios
| 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 | 4.1325% | 3,341 |
| Cost of funding earning assets | 0.1737% | 5,132 |
| Net interest margin | 3.9588% | 2,004 |
| Noninterest income to average assets | 1.2351% | 632 |
| Noninterest expense to average assets | 3.1943% | 1,543 |
| Loan and lease loss provision to assets | -0.0165% | 5,319 |
| Net operating income to assets | 1.3960% | 1,458 |
| Return on assets (ROA) | 1.4767% | 1,210 |
| Pretax return on assets | 1.8149% | 928 |
| Return on Equity (ROE) | 14.6930% | 920 |
| Retained earnings to average equity (ytd only) | 8.5586% | 1,373 |
| Net charge-offs to loans | -0.0674% | 5,027 |
| Credit loss provision to net charge-offs | 38.0682% | 2,576 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2824% | 3,100 |
| Assets per employee ($millions) | 3.7912% | 4,223 |
| Cash dividends to net income (ytd only)* | 41.7502% | 2,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9398% | 4,160 |
| Loan loss allowance to noncurrent loans | 243.8079% | 1,943 |
| Noncurrent assets plus other real estate owned to assets | 0.5120% | 2,707 |
| Noncurrent loans to loans | 0.3854% | 3,316 |
| Net loans and leases to total assets | 66.3649% | 3,085 |
| Net loans and leases to deposits | 77.4758% | 3,205 |
| Net loans and leases to core deposits | 78.1438% | 3,568 |
| Total domestic deposits to total assets | 85.6588% | 2,426 |
| Equity capital to assets | 10.3035% | 3,338 |
| Core capital (leverage) ratio | 10.6541% | 2,862 |
| Tier 1 risk-based capital ratio | 14.4809% | 3,126 |
| Total risk-based capital ratio | 15.3206% | 3,242 |
| Memoranda: | ||
| Average total assets | $1,622,011,330 | 499 |
| Average earning assets | $1,498,748,330 | 492 |
| Average equity | $163,016,670 | 529 |
| Average total loans | $1,044,982,330 | 535 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0167% | 3,543 |
| Cost of funding earning assets | 0.1684% | 5,171 |
| Net interest margin | 3.8483% | 2,234 |
| Noninterest income to average assets | 1.2863% | 564 |
| Noninterest expense to average assets | 3.1988% | 1,566 |
| Loan and lease loss provision to assets | -0.0637% | 5,475 |
| Net operating income to assets | 1.3950% | 1,360 |
| Return on assets (ROA) | 1.3950% | 1,366 |
| Pretax return on assets | 1.7101% | 1,089 |
| Return on Equity (ROE) | 14.0513% | 1,002 |
| Retained earnings to average equity (ytd only) | 14.0513% | 403 |
| Net charge-offs to loans | -0.0873% | 5,156 |
| Credit loss provision to net charge-offs | 115.4867% | 1,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0202% | 3,151 |
| Assets per employee ($millions) | 3.8814% | 4,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9414% | 4,261 |
| Loan loss allowance to noncurrent loans | 262.1135% | 1,819 |
| Noncurrent assets plus other real estate owned to assets | 0.5351% | 2,740 |
| Noncurrent loans to loans | 0.3592% | 3,484 |
| Net loans and leases to total assets | 62.3273% | 3,511 |
| Net loans and leases to deposits | 72.2628% | 3,576 |
| Net loans and leases to core deposits | 72.9530% | 3,886 |
| Total domestic deposits to total assets | 86.2508% | 2,423 |
| Equity capital to assets | 9.9353% | 3,659 |
| Core capital (leverage) ratio | 10.4740% | 2,976 |
| Tier 1 risk-based capital ratio | 14.6338% | 3,058 |
| Total risk-based capital ratio | 15.4670% | 3,191 |
| Memoranda: | ||
| Average total assets | $1,638,761,000 | 501 |
| Average earning assets | $1,515,472,000 | 489 |
| Average equity | $162,689,000 | 532 |
| Average total loans | $1,035,366,000 | 543 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9162% | 3,669 |
| Cost of funding earning assets | 0.1762% | 5,119 |
| Net interest margin | 3.7400% | 2,634 |
| Noninterest income to average assets | 1.2671% | 662 |
| Noninterest expense to average assets | 3.1762% | 1,663 |
| Loan and lease loss provision to assets | -0.0128% | 5,315 |
| Net operating income to assets | 0.7291% | 3,474 |
| Return on assets (ROA) | 0.7299% | 3,509 |
| Pretax return on assets | 1.5472% | 1,461 |
| Return on Equity (ROE) | 6.9777% | 3,290 |
| Retained earnings to average equity (ytd only) | -6.4488% | 5,476 |
| Net charge-offs to loans | -0.0652% | 5,253 |
| Credit loss provision to net charge-offs | 32.3575% | 3,516 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4442% | 3,011 |
| Assets per employee ($millions) | 3.8306% | 4,236 |
| Cash dividends to net income (ytd only)* | 192.4203% | 103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9450% | 4,243 |
| Loan loss allowance to noncurrent loans | 251.6851% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.5746% | 2,629 |
| Noncurrent loans to loans | 0.3755% | 3,414 |
| Net loans and leases to total assets | 62.8427% | 3,501 |
| Net loans and leases to deposits | 72.9965% | 3,600 |
| Net loans and leases to core deposits | 73.7711% | 3,893 |
| Total domestic deposits to total assets | 86.0900% | 2,392 |
| Equity capital to assets | 9.9198% | 3,791 |
| Core capital (leverage) ratio | 10.1271% | 3,275 |
| Tier 1 risk-based capital ratio | 14.0499% | 3,336 |
| Total risk-based capital ratio | 14.8805% | 3,473 |
| Memoranda: | ||
| Average total assets | $1,637,638,200 | 481 |
| Average earning assets | $1,507,265,400 | 475 |
| Average equity | $171,303,200 | 488 |
| Average total loans | $996,046,000 | 544 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8953% | 3,692 |
| Cost of funding earning assets | 0.1826% | 5,121 |
| Net interest margin | 3.7128% | 2,707 |
| Noninterest income to average assets | 1.2662% | 654 |
| Noninterest expense to average assets | 3.1623% | 1,650 |
| Loan and lease loss provision to assets | -0.0242% | 5,487 |
| Net operating income to assets | 1.0847% | 2,154 |
| Return on assets (ROA) | 1.0889% | 2,194 |
| Pretax return on assets | 1.5487% | 1,584 |
| Return on Equity (ROE) | 10.2780% | 1,995 |
| Retained earnings to average equity (ytd only) | 0.2971% | 5,151 |
| Net charge-offs to loans | -0.0001% | 4,244 |
| Credit loss provision to net charge-offs | 29,700.0000% | 10 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5599% | 2,953 |
| Assets per employee ($millions) | 3.8213% | 4,278 |
| Cash dividends to net income (ytd only)* | 97.1091% | 338 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9092% | 4,530 |
| Loan loss allowance to noncurrent loans | 227.2796% | 2,014 |
| Noncurrent assets plus other real estate owned to assets | 0.6196% | 2,659 |
| Noncurrent loans to loans | 0.4001% | 3,515 |
| Net loans and leases to total assets | 60.5740% | 3,800 |
| Net loans and leases to deposits | 71.1129% | 3,860 |
| Net loans and leases to core deposits | 71.9036% | 4,137 |
| Total domestic deposits to total assets | 85.1802% | 2,643 |
| Equity capital to assets | 10.7687% | 3,098 |
| Core capital (leverage) ratio | 10.7531% | 2,703 |
| Tier 1 risk-based capital ratio | 15.2909% | 2,796 |
| Total risk-based capital ratio | 16.0758% | 2,932 |
| Memoranda: | ||
| Average total assets | $1,639,092,750 | 481 |
| Average earning assets | $1,507,452,000 | 480 |
| Average equity | $173,660,750 | 484 |
| Average total loans | $986,241,750 | 553 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8577% | 3,695 |
| Cost of funding earning assets | 0.1846% | 5,106 |
| Net interest margin | 3.6731% | 2,745 |
| Noninterest income to average assets | 1.2407% | 678 |
| Noninterest expense to average assets | 3.2062% | 1,564 |
| Loan and lease loss provision to assets | 0.0099% | 3,740 |
| Net operating income to assets | 0.9823% | 2,520 |
| Return on assets (ROA) | 0.9815% | 2,567 |
| Pretax return on assets | 1.3999% | 2,020 |
| Return on Equity (ROE) | 9.3141% | 2,351 |
| Retained earnings to average equity (ytd only) | -5.7049% | 5,560 |
| Net charge-offs to loans | 0.0413% | 2,370 |
| Credit loss provision to net charge-offs | 39.9015% | 2,648 |
| Earnings coverage of net charge-offs (x) | 57.0936% | 984 |
| Efficiency ratio | 69.4405% | 2,775 |
| Assets per employee ($millions) | 3.7412% | 4,366 |
| Cash dividends to net income (ytd only)* | 161.2503% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9324% | 4,500 |
| Loan loss allowance to noncurrent loans | 208.2656% | 2,163 |
| Noncurrent assets plus other real estate owned to assets | 0.6553% | 2,586 |
| Noncurrent loans to loans | 0.4477% | 3,409 |
| Net loans and leases to total assets | 60.4846% | 3,800 |
| Net loans and leases to deposits | 71.1308% | 3,814 |
| Net loans and leases to core deposits | 71.9974% | 4,094 |
| Total domestic deposits to total assets | 85.0330% | 2,792 |
| Equity capital to assets | 10.4854% | 3,368 |
| Core capital (leverage) ratio | 10.4927% | 2,924 |
| Tier 1 risk-based capital ratio | 14.7579% | 3,032 |
| Total risk-based capital ratio | 15.5541% | 3,187 |
| Memoranda: | ||
| Average total assets | $1,642,835,670 | 483 |
| Average earning assets | $1,510,172,000 | 478 |
| Average equity | $173,114,330 | 486 |
| Average total loans | $983,285,330 | 554 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7728% | 3,856 |
| Cost of funding earning assets | 0.1898% | 5,069 |
| Net interest margin | 3.5831% | 2,946 |
| Noninterest income to average assets | 1.2832% | 620 |
| Noninterest expense to average assets | 3.2087% | 1,585 |
| Loan and lease loss provision to assets | 0.1402% | 1,350 |
| Net operating income to assets | 0.8611% | 2,938 |
| Return on assets (ROA) | 0.8596% | 2,992 |
| Pretax return on assets | 1.2286% | 2,481 |
| Return on Equity (ROE) | 8.1377% | 2,840 |
| Retained earnings to average equity (ytd only) | 8.1377% | 1,400 |
| Net charge-offs to loans | 0.1701% | 963 |
| Credit loss provision to net charge-offs | 139.0887% | 1,266 |
| Earnings coverage of net charge-offs (x) | 13.5971% | 1,772 |
| Efficiency ratio | 70.0634% | 2,879 |
| Assets per employee ($millions) | 3.7521% | 4,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9605% | 4,489 |
| Loan loss allowance to noncurrent loans | 183.3205% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.7933% | 2,317 |
| Noncurrent loans to loans | 0.5239% | 3,242 |
| Net loans and leases to total assets | 58.9775% | 3,887 |
| Net loans and leases to deposits | 69.3865% | 3,867 |
| Net loans and leases to core deposits | 70.2212% | 4,134 |
| Total domestic deposits to total assets | 84.9986% | 3,092 |
| Equity capital to assets | 10.6492% | 3,016 |
| Core capital (leverage) ratio | 10.8576% | 2,531 |
| Tier 1 risk-based capital ratio | 15.5485% | 2,733 |
| Total risk-based capital ratio | 16.3722% | 2,843 |
| Memoranda: | ||
| Average total assets | $1,654,273,000 | 482 |
| Average earning assets | $1,521,933,500 | 477 |
| Average equity | $174,742,000 | 481 |
| Average total loans | $980,403,500 | 550 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5845% | 4,551 |
| Cost of funding earning assets | 0.3675% | 3,337 |
| Net interest margin | 3.2170% | 4,392 |
| Noninterest income to average assets | 1.1237% | 909 |
| Noninterest expense to average assets | 3.0611% | 2,136 |
| Loan and lease loss provision to assets | -0.0493% | 5,589 |
| Net operating income to assets | 0.7847% | 3,379 |
| Return on assets (ROA) | 0.9605% | 2,643 |
| Pretax return on assets | 1.3268% | 2,186 |
| Return on Equity (ROE) | 9.6952% | 2,110 |
| Retained earnings to average equity (ytd only) | 0.6932% | 5,049 |
| Net charge-offs to loans | 0.0437% | 3,160 |
| Credit loss provision to net charge-offs | -237.1429% | 5,026 |
| Earnings coverage of net charge-offs (x) | 49.6500% | 1,011 |
| Efficiency ratio | 74.7649% | 2,168 |
| Assets per employee ($millions) | 4.6569% | 2,866 |
| Cash dividends to net income (ytd only)* | 92.8505% | 506 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8382% | 4,994 |
| Loan loss allowance to noncurrent loans | 81.2744% | 3,979 |
| Noncurrent assets plus other real estate owned to assets | 1.4574% | 1,161 |
| Noncurrent loans to loans | 1.0313% | 2,019 |
| Net loans and leases to total assets | 49.7764% | 4,780 |
| Net loans and leases to deposits | 57.6605% | 4,816 |
| Net loans and leases to core deposits | 58.4747% | 4,934 |
| Total domestic deposits to total assets | 86.3267% | 2,443 |
| Equity capital to assets | 9.7908% | 3,950 |
| Core capital (leverage) ratio | 9.8030% | 3,745 |
| Tier 1 risk-based capital ratio | 16.5320% | 2,337 |
| Total risk-based capital ratio | 17.2303% | 2,491 |
| Memoranda: | ||
| Average total assets | $672,757,400 | 1,052 |
| Average earning assets | $621,232,200 | 1,053 |
| Average equity | $66,651,400 | 1,175 |
| Average total loans | $320,643,200 | 1,446 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5797% | 4,609 |
| Cost of funding earning assets | 0.4239% | 2,794 |
| Net interest margin | 3.1557% | 4,622 |
| Noninterest income to average assets | 1.1950% | 809 |
| Noninterest expense to average assets | 3.0880% | 2,058 |
| Loan and lease loss provision to assets | -0.0404% | 5,705 |
| Net operating income to assets | 0.7749% | 3,485 |
| Return on assets (ROA) | 1.0101% | 2,523 |
| Pretax return on assets | 1.3874% | 2,081 |
| Return on Equity (ROE) | 10.1678% | 1,985 |
| Retained earnings to average equity (ytd only) | 4.2494% | 3,303 |
| Net charge-offs to loans | 0.0837% | 2,129 |
| Credit loss provision to net charge-offs | -102.4876% | 4,760 |
| Earnings coverage of net charge-offs (x) | 26.0153% | 1,611 |
| Efficiency ratio | 75.0822% | 2,095 |
| Assets per employee ($millions) | 4.6696% | 2,802 |
| Cash dividends to net income (ytd only)* | 58.2072% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8629% | 4,999 |
| Loan loss allowance to noncurrent loans | 74.4956% | 4,163 |
| Noncurrent assets plus other real estate owned to assets | 1.5132% | 1,181 |
| Noncurrent loans to loans | 1.1583% | 1,937 |
| Net loans and leases to total assets | 49.0132% | 4,894 |
| Net loans and leases to deposits | 57.5188% | 4,904 |
| Net loans and leases to core deposits | 58.3373% | 5,031 |
| Total domestic deposits to total assets | 85.2125% | 2,716 |
| Equity capital to assets | 10.5068% | 3,557 |
| Core capital (leverage) ratio | 9.5258% | 4,142 |
| Tier 1 risk-based capital ratio | 17.1160% | 2,191 |
| Total risk-based capital ratio | 17.8373% | 2,334 |
| Memoranda: | ||
| Average total assets | $680,283,250 | 1,046 |
| Average earning assets | $629,021,000 | 1,033 |
| Average equity | $67,584,000 | 1,163 |
| Average total loans | $320,155,500 | 1,451 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5770% | 4,663 |
| Cost of funding earning assets | 0.4290% | 2,747 |
| Net interest margin | 3.1479% | 4,698 |
| Noninterest income to average assets | 0.9017% | 1,370 |
| Noninterest expense to average assets | 2.7567% | 3,173 |
| Loan and lease loss provision to assets | -0.0686% | 5,844 |
| Net operating income to assets | 0.8181% | 3,226 |
| Return on assets (ROA) | 0.8455% | 3,243 |
| Pretax return on assets | 1.1643% | 2,927 |
| Return on Equity (ROE) | 8.6673% | 2,658 |
| Retained earnings to average equity (ytd only) | -0.2375% | 5,328 |
| Net charge-offs to loans | 0.0550% | 2,413 |
| Credit loss provision to net charge-offs | -269.3182% | 4,794 |
| Earnings coverage of net charge-offs (x) | 41.5227% | 1,130 |
| Efficiency ratio | 72.2635% | 2,612 |
| Assets per employee ($millions) | 4.8971% | 2,414 |
| Cash dividends to net income (ytd only)* | 102.7397% | 484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8915% | 4,984 |
| Loan loss allowance to noncurrent loans | 92.9270% | 3,863 |
| Noncurrent assets plus other real estate owned to assets | 1.3406% | 1,491 |
| Noncurrent loans to loans | 0.9593% | 2,362 |
| Net loans and leases to total assets | 45.9037% | 5,133 |
| Net loans and leases to deposits | 56.6769% | 4,974 |
| Net loans and leases to core deposits | 57.4804% | 5,096 |
| Total domestic deposits to total assets | 80.9918% | 4,282 |
| Equity capital to assets | 9.8054% | 4,446 |
| Core capital (leverage) ratio | 9.1709% | 4,633 |
| Tier 1 risk-based capital ratio | 15.8714% | 2,704 |
| Total risk-based capital ratio | 16.5843% | 2,861 |
| Memoranda: | ||
| Average total assets | $690,686,330 | 1,037 |
| Average earning assets | $639,146,330 | 1,027 |
| Average equity | $67,379,670 | 1,168 |
| Average total loans | $319,907,000 | 1,456 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6553% | 4,460 |
| Cost of funding earning assets | 0.4287% | 2,777 |
| Net interest margin | 3.2266% | 4,490 |
| Noninterest income to average assets | 0.9282% | 1,239 |
| Noninterest expense to average assets | 2.7818% | 3,139 |
| Loan and lease loss provision to assets | -0.1911% | 6,021 |
| Net operating income to assets | 0.9585% | 2,467 |
| Return on assets (ROA) | 0.9792% | 2,487 |
| Pretax return on assets | 1.3469% | 2,105 |
| Return on Equity (ROE) | 10.0630% | 1,958 |
| Retained earnings to average equity (ytd only) | 10.0630% | 834 |
| Net charge-offs to loans | -0.0950% | 5,614 |
| Credit loss provision to net charge-offs | 434.2105% | 666 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1598% | 2,925 |
| Assets per employee ($millions) | 4.9389% | 2,409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9148% | 5,008 |
| Loan loss allowance to noncurrent loans | 75.3481% | 4,190 |
| Noncurrent assets plus other real estate owned to assets | 1.4914% | 1,370 |
| Noncurrent loans to loans | 1.2141% | 1,994 |
| Net loans and leases to total assets | 45.4491% | 5,156 |
| Net loans and leases to deposits | 56.1073% | 4,979 |
| Net loans and leases to core deposits | 56.8948% | 5,092 |
| Total domestic deposits to total assets | 81.0040% | 4,492 |
| Equity capital to assets | 9.8701% | 4,253 |
| Core capital (leverage) ratio | 9.4823% | 4,227 |
| Tier 1 risk-based capital ratio | 16.0703% | 2,646 |
| Total risk-based capital ratio | 16.7900% | 2,827 |
| Memoranda: | ||
| Average total assets | $690,781,500 | 1,035 |
| Average earning assets | $638,191,500 | 1,030 |
| Average equity | $67,216,500 | 1,168 |
| Average total loans | $319,953,500 | 1,450 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5257% | 4,854 |
| Cost of funding earning assets | 0.4526% | 2,603 |
| Net interest margin | 3.0731% | 4,972 |
| Noninterest income to average assets | 0.8866% | 1,478 |
| Noninterest expense to average assets | 2.7844% | 3,304 |
| Loan and lease loss provision to assets | -0.0430% | 5,723 |
| Net operating income to assets | 0.7476% | 3,589 |
| Return on assets (ROA) | 0.7536% | 3,651 |
| Pretax return on assets | 0.9871% | 3,521 |
| Return on Equity (ROE) | 7.6167% | 3,183 |
| Retained earnings to average equity (ytd only) | -3.2204% | 5,836 |
| Net charge-offs to loans | 0.0638% | 2,949 |
| Credit loss provision to net charge-offs | -147.0297% | 5,223 |
| Earnings coverage of net charge-offs (x) | 31.9802% | 1,392 |
| Efficiency ratio | 74.8403% | 2,450 |
| Assets per employee ($millions) | 4.7915% | 2,617 |
| Cash dividends to net income (ytd only)* | 142.2803% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9910% | 4,665 |
| Loan loss allowance to noncurrent loans | 70.6406% | 4,368 |
| Noncurrent assets plus other real estate owned to assets | 1.7236% | 1,121 |
| Noncurrent loans to loans | 1.4029% | 1,664 |
| Net loans and leases to total assets | 46.3103% | 5,136 |
| Net loans and leases to deposits | 57.2907% | 4,961 |
| Net loans and leases to core deposits | 58.2017% | 5,093 |
| Total domestic deposits to total assets | 80.8339% | 4,534 |
| Equity capital to assets | 9.5886% | 4,449 |
| Core capital (leverage) ratio | 9.2006% | 4,618 |
| Tier 1 risk-based capital ratio | 15.5713% | 2,897 |
| Total risk-based capital ratio | 16.3495% | 3,067 |
| Memoranda: | ||
| Average total assets | $690,135,400 | 1,002 |
| Average earning assets | $636,391,200 | 997 |
| Average equity | $68,284,000 | 1,116 |
| Average total loans | $316,531,800 | 1,405 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5279% | 4,921 |
| Cost of funding earning assets | 0.4545% | 2,641 |
| Net interest margin | 3.0734% | 5,026 |
| Noninterest income to average assets | 0.9423% | 1,337 |
| Noninterest expense to average assets | 2.7901% | 3,228 |
| Loan and lease loss provision to assets | -0.0264% | 5,865 |
| Net operating income to assets | 0.7621% | 3,626 |
| Return on assets (ROA) | 0.7644% | 3,710 |
| Pretax return on assets | 1.0142% | 3,560 |
| Return on Equity (ROE) | 7.6675% | 3,244 |
| Retained earnings to average equity (ytd only) | 1.0909% | 5,282 |
| Net charge-offs to loans | -0.0308% | 5,365 |
| Credit loss provision to net charge-offs | 187.6712% | 1,408 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9144% | 2,570 |
| Assets per employee ($millions) | 4.7500% | 2,623 |
| Cash dividends to net income (ytd only)* | 85.7720% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1520% | 3,913 |
| Loan loss allowance to noncurrent loans | 89.0945% | 3,929 |
| Noncurrent assets plus other real estate owned to assets | 1.7216% | 1,256 |
| Noncurrent loans to loans | 1.2930% | 1,978 |
| Net loans and leases to total assets | 44.6795% | 5,312 |
| Net loans and leases to deposits | 55.8198% | 5,134 |
| Net loans and leases to core deposits | 56.7716% | 5,265 |
| Total domestic deposits to total assets | 80.0424% | 4,746 |
| Equity capital to assets | 9.9964% | 4,154 |
| Core capital (leverage) ratio | 9.6284% | 4,138 |
| Tier 1 risk-based capital ratio | 16.7362% | 2,464 |
| Total risk-based capital ratio | 17.6476% | 2,573 |
| Memoranda: | ||
| Average total assets | $691,374,250 | 1,009 |
| Average earning assets | $637,189,750 | 1,004 |
| Average equity | $68,930,250 | 1,108 |
| Average total loans | $315,543,500 | 1,410 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5502% | 4,860 |
| Cost of funding earning assets | 0.4574% | 2,638 |
| Net interest margin | 3.0928% | 4,986 |
| Noninterest income to average assets | 0.9078% | 1,420 |
| Noninterest expense to average assets | 2.7478% | 3,421 |
| Loan and lease loss provision to assets | 0.0148% | 3,827 |
| Net operating income to assets | 0.7571% | 3,611 |
| Return on assets (ROA) | 0.7604% | 3,691 |
| Pretax return on assets | 0.9967% | 3,600 |
| Return on Equity (ROE) | 7.6339% | 3,248 |
| Retained earnings to average equity (ytd only) | -2.2500% | 5,857 |
| Net charge-offs to loans | -0.0133% | 5,021 |
| Credit loss provision to net charge-offs | -242.8571% | 5,062 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1781% | 2,804 |
| Assets per employee ($millions) | 4.6946% | 2,690 |
| Cash dividends to net income (ytd only)* | 129.4745% | 265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1847% | 3,883 |
| Loan loss allowance to noncurrent loans | 78.0742% | 4,262 |
| Noncurrent assets plus other real estate owned to assets | 1.9437% | 1,150 |
| Noncurrent loans to loans | 1.5174% | 1,752 |
| Net loans and leases to total assets | 45.9015% | 5,254 |
| Net loans and leases to deposits | 56.8452% | 5,074 |
| Net loans and leases to core deposits | 57.8770% | 5,206 |
| Total domestic deposits to total assets | 80.7482% | 4,680 |
| Equity capital to assets | 9.8512% | 4,219 |
| Core capital (leverage) ratio | 9.3616% | 4,474 |
| Tier 1 risk-based capital ratio | 16.5784% | 2,582 |
| Total risk-based capital ratio | 17.5342% | 2,676 |
| Memoranda: | ||
| Average total assets | $690,666,000 | 1,011 |
| Average earning assets | $635,799,330 | 1,005 |
| Average equity | $68,798,670 | 1,115 |
| Average total loans | $316,237,000 | 1,412 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5370% | 4,869 |
| Cost of funding earning assets | 0.4612% | 2,665 |
| Net interest margin | 3.0757% | 5,015 |
| Noninterest income to average assets | 0.8849% | 1,436 |
| Noninterest expense to average assets | 2.9130% | 2,862 |
| Loan and lease loss provision to assets | -0.1495% | 6,235 |
| Net operating income to assets | 0.7351% | 3,618 |
| Return on assets (ROA) | 0.7320% | 3,768 |
| Pretax return on assets | 0.9511% | 3,688 |
| Return on Equity (ROE) | 7.3089% | 3,328 |
| Retained earnings to average equity (ytd only) | 7.3089% | 1,854 |
| Net charge-offs to loans | -0.2239% | 6,082 |
| Credit loss provision to net charge-offs | 146.8927% | 1,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3362% | 2,139 |
| Assets per employee ($millions) | 4.7590% | 2,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1260% | 4,393 |
| Loan loss allowance to noncurrent loans | 69.7476% | 4,445 |
| Noncurrent assets plus other real estate owned to assets | 2.0469% | 1,155 |
| Noncurrent loans to loans | 1.6144% | 1,724 |
| Net loans and leases to total assets | 44.7821% | 5,284 |
| Net loans and leases to deposits | 55.3917% | 5,089 |
| Net loans and leases to core deposits | 56.4532% | 5,224 |
| Total domestic deposits to total assets | 80.8462% | 4,852 |
| Equity capital to assets | 10.0247% | 4,119 |
| Core capital (leverage) ratio | 9.4797% | 4,309 |
| Tier 1 risk-based capital ratio | 17.3253% | 2,373 |
| Total risk-based capital ratio | 18.2539% | 2,432 |
| Memoranda: | ||
| Average total assets | $695,639,500 | 1,000 |
| Average earning assets | $640,886,000 | 999 |
| Average equity | $69,668,500 | 1,108 |
| Average total loans | $316,252,500 | 1,415 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7452% | 4,658 |
| Cost of funding earning assets | 0.5426% | 2,269 |
| Net interest margin | 3.2025% | 4,911 |
| Noninterest income to average assets | 0.9701% | 1,289 |
| Noninterest expense to average assets | 2.8375% | 3,352 |
| Loan and lease loss provision to assets | -0.3703% | 6,410 |
| Net operating income to assets | 1.0570% | 2,135 |
| Return on assets (ROA) | 1.0566% | 2,204 |
| Pretax return on assets | 1.4370% | 1,761 |
| Return on Equity (ROE) | 10.5317% | 1,890 |
| Retained earnings to average equity (ytd only) | -2.4048% | 6,049 |
| Net charge-offs to loans | 0.1875% | 2,173 |
| Credit loss provision to net charge-offs | -427.2879% | 5,760 |
| Earnings coverage of net charge-offs (x) | 12.3145% | 2,391 |
| Efficiency ratio | 72.6668% | 3,092 |
| Assets per employee ($millions) | 4.6731% | 2,766 |
| Cash dividends to net income (ytd only)* | 122.8334% | 208 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1719% | 4,155 |
| Loan loss allowance to noncurrent loans | 68.5576% | 4,561 |
| Noncurrent assets plus other real estate owned to assets | 2.3169% | 1,027 |
| Noncurrent loans to loans | 1.7094% | 1,710 |
| Net loans and leases to total assets | 45.1017% | 5,397 |
| Net loans and leases to deposits | 55.8581% | 5,193 |
| Net loans and leases to core deposits | 56.9795% | 5,317 |
| Total domestic deposits to total assets | 80.7432% | 4,808 |
| Equity capital to assets | 10.0051% | 4,112 |
| Core capital (leverage) ratio | 9.4038% | 4,377 |
| Tier 1 risk-based capital ratio | 17.7066% | 2,233 |
| Total risk-based capital ratio | 18.6961% | 2,301 |
| Memoranda: | ||
| Average total assets | $693,436,000 | 964 |
| Average earning assets | $635,432,000 | 966 |
| Average equity | $69,570,600 | 1,057 |
| Average total loans | $320,494,800 | 1,355 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7588% | 4,683 |
| Cost of funding earning assets | 0.5594% | 2,199 |
| Net interest margin | 3.1995% | 4,972 |
| Noninterest income to average assets | 0.9818% | 1,279 |
| Noninterest expense to average assets | 2.8766% | 3,209 |
| Loan and lease loss provision to assets | -0.4111% | 6,511 |
| Net operating income to assets | 1.0788% | 2,118 |
| Return on assets (ROA) | 1.0783% | 2,184 |
| Pretax return on assets | 1.4462% | 1,820 |
| Return on Equity (ROE) | 10.7400% | 1,892 |
| Retained earnings to average equity (ytd only) | 5.0079% | 3,075 |
| Net charge-offs to loans | 0.1990% | 1,873 |
| Credit loss provision to net charge-offs | -445.5301% | 5,723 |
| Earnings coverage of net charge-offs (x) | 11.2266% | 2,448 |
| Efficiency ratio | 73.5242% | 2,896 |
| Assets per employee ($millions) | 4.6161% | 2,786 |
| Cash dividends to net income (ytd only)* | 53.3713% | 1,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3126% | 3,585 |
| Loan loss allowance to noncurrent loans | 66.7827% | 4,580 |
| Noncurrent assets plus other real estate owned to assets | 2.4652% | 1,083 |
| Noncurrent loans to loans | 1.9654% | 1,622 |
| Net loans and leases to total assets | 45.8230% | 5,394 |
| Net loans and leases to deposits | 57.2002% | 5,159 |
| Net loans and leases to core deposits | 58.3809% | 5,309 |
| Total domestic deposits to total assets | 80.1098% | 5,075 |
| Equity capital to assets | 10.4579% | 3,615 |
| Core capital (leverage) ratio | 10.0101% | 3,668 |
| Tier 1 risk-based capital ratio | 18.7727% | 1,966 |
| Total risk-based capital ratio | 19.9041% | 1,970 |
| Memoranda: | ||
| Average total assets | $695,058,000 | 973 |
| Average earning assets | $636,672,250 | 972 |
| Average equity | $69,780,750 | 1,054 |
| Average total loans | $322,243,750 | 1,362 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7895% | 4,562 |
| Cost of funding earning assets | 0.5701% | 2,161 |
| Net interest margin | 3.2195% | 4,876 |
| Noninterest income to average assets | 0.8449% | 1,682 |
| Noninterest expense to average assets | 2.8807% | 3,235 |
| Loan and lease loss provision to assets | -0.4431% | 6,574 |
| Net operating income to assets | 0.9906% | 2,359 |
| Return on assets (ROA) | 0.9897% | 2,442 |
| Pretax return on assets | 1.3470% | 2,094 |
| Return on Equity (ROE) | 9.9966% | 2,155 |
| Retained earnings to average equity (ytd only) | 1.2888% | 5,227 |
| Net charge-offs to loans | 0.1197% | 2,474 |
| Credit loss provision to net charge-offs | -798.9637% | 5,679 |
| Earnings coverage of net charge-offs (x) | 16.3161% | 1,802 |
| Efficiency ratio | 76.0950% | 2,616 |
| Assets per employee ($millions) | 4.6966% | 2,616 |
| Cash dividends to net income (ytd only)* | 87.1080% | 745 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5752% | 2,561 |
| Loan loss allowance to noncurrent loans | 77.6208% | 4,267 |
| Noncurrent assets plus other real estate owned to assets | 2.6096% | 1,039 |
| Noncurrent loans to loans | 2.0294% | 1,662 |
| Net loans and leases to total assets | 45.9253% | 5,365 |
| Net loans and leases to deposits | 57.6649% | 5,071 |
| Net loans and leases to core deposits | 58.8420% | 5,214 |
| Total domestic deposits to total assets | 79.6416% | 5,318 |
| Equity capital to assets | 10.2067% | 3,816 |
| Core capital (leverage) ratio | 9.7092% | 4,026 |
| Tier 1 risk-based capital ratio | 18.0830% | 2,212 |
| Total risk-based capital ratio | 19.3343% | 2,179 |
| Memoranda: | ||
| Average total assets | $695,940,000 | 971 |
| Average earning assets | $635,697,670 | 973 |
| Average equity | $68,903,670 | 1,061 |
| Average total loans | $322,490,330 | 1,351 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7958% | 4,499 |
| Cost of funding earning assets | 0.5744% | 2,208 |
| Net interest margin | 3.2214% | 4,853 |
| Noninterest income to average assets | 0.6583% | 2,412 |
| Noninterest expense to average assets | 2.8502% | 3,379 |
| Loan and lease loss provision to assets | -0.5296% | 6,667 |
| Net operating income to assets | 0.9372% | 2,470 |
| Return on assets (ROA) | 0.9380% | 2,539 |
| Pretax return on assets | 1.2798% | 2,177 |
| Return on Equity (ROE) | 9.6226% | 2,192 |
| Retained earnings to average equity (ytd only) | 9.6226% | 1,072 |
| Net charge-offs to loans | 0.3483% | 1,029 |
| Credit loss provision to net charge-offs | -329.2857% | 5,082 |
| Earnings coverage of net charge-offs (x) | 4.6571% | 2,495 |
| Efficiency ratio | 79.1893% | 2,310 |
| Assets per employee ($millions) | 4.8187% | 2,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7672% | 2,138 |
| Loan loss allowance to noncurrent loans | 92.8113% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 2.6805% | 1,141 |
| Noncurrent loans to loans | 1.9040% | 1,990 |
| Net loans and leases to total assets | 44.5787% | 5,457 |
| Net loans and leases to deposits | 55.5523% | 5,150 |
| Net loans and leases to core deposits | 56.6929% | 5,303 |
| Total domestic deposits to total assets | 80.2464% | 5,438 |
| Equity capital to assets | 9.8940% | 3,966 |
| Core capital (leverage) ratio | 9.8123% | 3,843 |
| Tier 1 risk-based capital ratio | 18.0763% | 2,266 |
| Total risk-based capital ratio | 19.3293% | 2,241 |
| Memoranda: | ||
| Average total assets | $696,360,500 | 979 |
| Average earning assets | $635,754,500 | 978 |
| Average equity | $67,882,000 | 1,078 |
| Average total loans | $321,568,000 | 1,359 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8645% | 4,594 |
| Cost of funding earning assets | 0.6598% | 2,126 |
| Net interest margin | 3.2046% | 4,983 |
| Noninterest income to average assets | 0.7288% | 2,386 |
| Noninterest expense to average assets | 2.8962% | 3,379 |
| Loan and lease loss provision to assets | -0.1795% | 6,580 |
| Net operating income to assets | 0.6986% | 3,800 |
| Return on assets (ROA) | 0.6981% | 3,897 |
| Pretax return on assets | 0.9182% | 3,686 |
| Return on Equity (ROE) | 6.8943% | 3,622 |
| Retained earnings to average equity (ytd only) | -3.1202% | 6,274 |
| Net charge-offs to loans | 0.1230% | 3,577 |
| Credit loss provision to net charge-offs | -305.1724% | 6,058 |
| Earnings coverage of net charge-offs (x) | 12.5739% | 2,109 |
| Efficiency ratio | 79.6605% | 2,212 |
| Assets per employee ($millions) | 4.5641% | 2,788 |
| Cash dividends to net income (ytd only)* | 145.2584% | 162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1132% | 1,311 |
| Loan loss allowance to noncurrent loans | 114.5248% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 2.7795% | 1,182 |
| Noncurrent loans to loans | 1.8452% | 2,181 |
| Net loans and leases to total assets | 45.9996% | 5,485 |
| Net loans and leases to deposits | 57.2503% | 5,189 |
| Net loans and leases to core deposits | 58.5327% | 5,345 |
| Total domestic deposits to total assets | 80.3482% | 5,363 |
| Equity capital to assets | 9.5992% | 4,289 |
| Core capital (leverage) ratio | 9.6036% | 4,111 |
| Tier 1 risk-based capital ratio | 17.5648% | 2,385 |
| Total risk-based capital ratio | 18.8215% | 2,363 |
| Memoranda: | ||
| Average total assets | $690,348,200 | 959 |
| Average earning assets | $626,215,400 | 969 |
| Average equity | $69,898,800 | 1,024 |
| Average total loans | $330,170,000 | 1,289 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8447% | 4,679 |
| Cost of funding earning assets | 0.6711% | 2,166 |
| Net interest margin | 3.1736% | 5,077 |
| Noninterest income to average assets | 0.8043% | 2,123 |
| Noninterest expense to average assets | 2.8711% | 3,402 |
| Loan and lease loss provision to assets | -0.2172% | 6,730 |
| Net operating income to assets | 0.7862% | 3,416 |
| Return on assets (ROA) | 0.7853% | 3,553 |
| Pretax return on assets | 1.0241% | 3,402 |
| Return on Equity (ROE) | 7.6571% | 3,307 |
| Retained earnings to average equity (ytd only) | -0.2485% | 5,988 |
| Net charge-offs to loans | 0.1174% | 3,373 |
| Credit loss provision to net charge-offs | -385.2740% | 6,007 |
| Earnings coverage of net charge-offs (x) | 14.3357% | 1,954 |
| Efficiency ratio | 78.0355% | 2,417 |
| Assets per employee ($millions) | 4.6746% | 2,612 |
| Cash dividends to net income (ytd only)* | 103.2449% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1709% | 1,378 |
| Loan loss allowance to noncurrent loans | 107.4772% | 3,300 |
| Noncurrent assets plus other real estate owned to assets | 3.1675% | 1,138 |
| Noncurrent loans to loans | 2.0199% | 2,228 |
| Net loans and leases to total assets | 45.7539% | 5,571 |
| Net loans and leases to deposits | 57.5069% | 5,234 |
| Net loans and leases to core deposits | 58.7574% | 5,385 |
| Total domestic deposits to total assets | 79.5624% | 5,620 |
| Equity capital to assets | 9.8994% | 4,051 |
| Core capital (leverage) ratio | 10.0438% | 3,615 |
| Tier 1 risk-based capital ratio | 17.9879% | 2,330 |
| Total risk-based capital ratio | 19.2450% | 2,289 |
| Memoranda: | ||
| Average total assets | $690,639,250 | 967 |
| Average earning assets | $625,640,500 | 980 |
| Average equity | $70,834,500 | 1,011 |
| Average total loans | $331,746,000 | 1,293 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8540% | 4,641 |
| Cost of funding earning assets | 0.6834% | 2,198 |
| Net interest margin | 3.1706% | 5,044 |
| Noninterest income to average assets | 0.8791% | 1,893 |
| Noninterest expense to average assets | 2.8757% | 3,422 |
| Loan and lease loss provision to assets | -0.2175% | 6,790 |
| Net operating income to assets | 0.8226% | 3,182 |
| Return on assets (ROA) | 0.8213% | 3,347 |
| Pretax return on assets | 1.0905% | 3,130 |
| Return on Equity (ROE) | 7.9147% | 3,138 |
| Retained earnings to average equity (ytd only) | -3.8398% | 6,380 |
| Net charge-offs to loans | 0.1774% | 2,696 |
| Credit loss provision to net charge-offs | -253.0405% | 5,781 |
| Earnings coverage of net charge-offs (x) | 10.1757% | 2,181 |
| Efficiency ratio | 76.6765% | 2,687 |
| Assets per employee ($millions) | 4.6158% | 2,626 |
| Cash dividends to net income (ytd only)* | 148.5149% | 207 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2709% | 1,304 |
| Loan loss allowance to noncurrent loans | 130.3906% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 3.2880% | 1,196 |
| Noncurrent loans to loans | 1.7416% | 2,710 |
| Net loans and leases to total assets | 47.2133% | 5,405 |
| Net loans and leases to deposits | 59.0366% | 5,066 |
| Net loans and leases to core deposits | 60.3647% | 5,233 |
| Total domestic deposits to total assets | 79.9730% | 5,607 |
| Equity capital to assets | 9.8407% | 4,138 |
| Core capital (leverage) ratio | 9.8544% | 3,711 |
| Tier 1 risk-based capital ratio | 17.5345% | 2,501 |
| Total risk-based capital ratio | 18.7931% | 2,463 |
| Memoranda: | ||
| Average total assets | $688,679,000 | 967 |
| Average earning assets | $623,666,330 | 983 |
| Average equity | $71,462,330 | 1,008 |
| Average total loans | $333,742,330 | 1,274 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8214% | 4,753 |
| Cost of funding earning assets | 0.6882% | 2,318 |
| Net interest margin | 3.1331% | 5,147 |
| Noninterest income to average assets | 0.8971% | 1,764 |
| Noninterest expense to average assets | 2.8477% | 3,553 |
| Loan and lease loss provision to assets | -0.1032% | 6,839 |
| Net operating income to assets | 0.7490% | 3,439 |
| Return on assets (ROA) | 0.7490% | 3,574 |
| Pretax return on assets | 1.0032% | 3,337 |
| Return on Equity (ROE) | 7.0399% | 3,467 |
| Retained earnings to average equity (ytd only) | 7.0399% | 2,134 |
| Net charge-offs to loans | 0.1117% | 2,764 |
| Credit loss provision to net charge-offs | -190.4255% | 5,250 |
| Earnings coverage of net charge-offs (x) | 16.6064% | 1,360 |
| Efficiency ratio | 75.9846% | 2,926 |
| Assets per employee ($millions) | 4.4982% | 2,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4511% | 1,177 |
| Loan loss allowance to noncurrent loans | 91.8399% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 3.5805% | 1,177 |
| Noncurrent loans to loans | 2.6689% | 1,922 |
| Net loans and leases to total assets | 47.5105% | 5,279 |
| Net loans and leases to deposits | 59.7723% | 4,818 |
| Net loans and leases to core deposits | 61.0711% | 5,047 |
| Total domestic deposits to total assets | 79.4857% | 5,876 |
| Equity capital to assets | 10.7867% | 3,210 |
| Core capital (leverage) ratio | 10.2562% | 3,071 |
| Tier 1 risk-based capital ratio | 18.3312% | 2,251 |
| Total risk-based capital ratio | 19.5919% | 2,211 |
| Memoranda: | ||
| Average total assets | $693,754,000 | 967 |
| Average earning assets | $631,189,500 | 981 |
| Average equity | $73,807,500 | 986 |
| Average total loans | $336,713,500 | 1,260 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0179% | 5,251 |
| Cost of funding earning assets | 0.9122% | 1,870 |
| Net interest margin | 3.1057% | 5,799 |
| Noninterest income to average assets | 0.6045% | 3,255 |
| Noninterest expense to average assets | 2.8080% | 3,995 |
| Loan and lease loss provision to assets | 0.1835% | 3,341 |
| Net operating income to assets | 0.4063% | 5,079 |
| Return on assets (ROA) | 0.4748% | 5,036 |
| Pretax return on assets | 0.5259% | 5,204 |
| Return on Equity (ROE) | 4.6136% | 4,876 |
| Retained earnings to average equity (ytd only) | -0.7103% | 5,977 |
| Net charge-offs to loans | 0.8545% | 1,342 |
| Credit loss provision to net charge-offs | 43.9973% | 4,842 |
| Earnings coverage of net charge-offs (x) | 1.5181% | 4,684 |
| Efficiency ratio | 81.5979% | 1,930 |
| Assets per employee ($millions) | 4.5705% | 2,838 |
| Cash dividends to net income (ytd only)* | 115.3959% | 352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5098% | 1,120 |
| Loan loss allowance to noncurrent loans | 97.9575% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 3.6683% | 1,211 |
| Noncurrent loans to loans | 2.5621% | 2,060 |
| Net loans and leases to total assets | 47.1545% | 5,497 |
| Net loans and leases to deposits | 58.9566% | 5,132 |
| Net loans and leases to core deposits | 60.3087% | 5,339 |
| Total domestic deposits to total assets | 79.9817% | 5,669 |
| Equity capital to assets | 10.4934% | 3,537 |
| Core capital (leverage) ratio | 9.6750% | 3,853 |
| Tier 1 risk-based capital ratio | 17.9390% | 2,278 |
| Total risk-based capital ratio | 19.2005% | 2,246 |
| Memoranda: | ||
| Average total assets | $720,870,200 | 919 |
| Average earning assets | $658,431,000 | 914 |
| Average equity | $74,194,200 | 956 |
| Average total loans | $351,882,600 | 1,191 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0413% | 5,386 |
| Cost of funding earning assets | 0.9419% | 1,898 |
| Net interest margin | 3.0994% | 5,937 |
| Noninterest income to average assets | 0.5994% | 3,277 |
| Noninterest expense to average assets | 2.7447% | 4,194 |
| Loan and lease loss provision to assets | 0.2071% | 3,004 |
| Net operating income to assets | 0.4323% | 5,111 |
| Return on assets (ROA) | 0.5047% | 5,088 |
| Pretax return on assets | 0.5647% | 5,267 |
| Return on Equity (ROE) | 4.9265% | 4,853 |
| Retained earnings to average equity (ytd only) | -2.1523% | 6,414 |
| Net charge-offs to loans | 0.9355% | 1,157 |
| Credit loss provision to net charge-offs | 45.2467% | 4,510 |
| Earnings coverage of net charge-offs (x) | 1.5086% | 4,532 |
| Efficiency ratio | 79.9006% | 2,109 |
| Assets per employee ($millions) | 4.8412% | 2,387 |
| Cash dividends to net income (ytd only)* | 143.6888% | 119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5492% | 1,146 |
| Loan loss allowance to noncurrent loans | 58.9085% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 3.9869% | 1,210 |
| Noncurrent loans to loans | 4.3273% | 1,122 |
| Net loans and leases to total assets | 46.3685% | 5,727 |
| Net loans and leases to deposits | 59.5871% | 5,251 |
| Net loans and leases to core deposits | 60.8578% | 5,468 |
| Total domestic deposits to total assets | 77.8164% | 6,114 |
| Equity capital to assets | 10.1957% | 4,209 |
| Core capital (leverage) ratio | 9.4715% | 4,312 |
| Tier 1 risk-based capital ratio | 17.6999% | 2,460 |
| Total risk-based capital ratio | 18.9623% | 2,425 |
| Memoranda: | ||
| Average total assets | $726,265,500 | 918 |
| Average earning assets | $664,490,750 | 913 |
| Average equity | $74,398,000 | 957 |
| Average total loans | $355,294,500 | 1,179 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0901% | 5,354 |
| Cost of funding earning assets | 0.9631% | 1,976 |
| Net interest margin | 3.1270% | 5,918 |
| Noninterest income to average assets | 0.6771% | 2,792 |
| Noninterest expense to average assets | 2.7410% | 4,247 |
| Loan and lease loss provision to assets | 0.1600% | 3,516 |
| Net operating income to assets | 0.5390% | 4,631 |
| Return on assets (ROA) | 0.6245% | 4,501 |
| Pretax return on assets | 0.7443% | 4,683 |
| Return on Equity (ROE) | 6.0871% | 4,282 |
| Retained earnings to average equity (ytd only) | 6.0871% | 2,662 |
| Net charge-offs to loans | 0.8908% | 1,235 |
| Credit loss provision to net charge-offs | 36.3807% | 4,329 |
| Earnings coverage of net charge-offs (x) | 1.8247% | 4,066 |
| Efficiency ratio | 77.3547% | 2,545 |
| Assets per employee ($millions) | 5.0446% | 2,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5929% | 1,159 |
| Loan loss allowance to noncurrent loans | 52.9245% | 4,959 |
| Noncurrent assets plus other real estate owned to assets | 4.3226% | 1,154 |
| Noncurrent loans to loans | 4.8993% | 1,020 |
| Net loans and leases to total assets | 47.3551% | 5,679 |
| Net loans and leases to deposits | 61.1490% | 5,108 |
| Net loans and leases to core deposits | 62.5884% | 5,343 |
| Total domestic deposits to total assets | 77.4422% | 6,257 |
| Equity capital to assets | 10.5026% | 3,688 |
| Core capital (leverage) ratio | 9.9353% | 3,507 |
| Tier 1 risk-based capital ratio | 18.1972% | 2,228 |
| Total risk-based capital ratio | 19.4602% | 2,196 |
| Memoranda: | ||
| Average total assets | $726,295,330 | 918 |
| Average earning assets | $665,757,670 | 916 |
| Average equity | $74,517,670 | 943 |
| Average total loans | $358,551,000 | 1,168 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1332% | 5,343 |
| Cost of funding earning assets | 0.9947% | 2,013 |
| Net interest margin | 3.1385% | 5,937 |
| Noninterest income to average assets | 0.5568% | 3,523 |
| Noninterest expense to average assets | 2.7523% | 4,233 |
| Loan and lease loss provision to assets | 0.3261% | 1,919 |
| Net operating income to assets | 0.3591% | 5,432 |
| Return on assets (ROA) | 0.3608% | 5,610 |
| Pretax return on assets | 0.3652% | 5,819 |
| Return on Equity (ROE) | 3.5583% | 5,481 |
| Retained earnings to average equity (ytd only) | 3.5583% | 4,445 |
| Net charge-offs to loans | 1.5590% | 645 |
| Credit loss provision to net charge-offs | 42.0455% | 3,423 |
| Earnings coverage of net charge-offs (x) | 0.8892% | 3,881 |
| Efficiency ratio | 79.9648% | 2,212 |
| Assets per employee ($millions) | 5.0447% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6404% | 1,186 |
| Loan loss allowance to noncurrent loans | 49.5683% | 5,104 |
| Noncurrent assets plus other real estate owned to assets | 4.6416% | 1,142 |
| Noncurrent loans to loans | 5.3268% | 1,021 |
| Net loans and leases to total assets | 47.1673% | 5,658 |
| Net loans and leases to deposits | 60.6005% | 5,083 |
| Net loans and leases to core deposits | 61.9599% | 5,332 |
| Total domestic deposits to total assets | 77.8331% | 6,288 |
| Equity capital to assets | 10.0989% | 4,007 |
| Core capital (leverage) ratio | 9.7015% | 3,768 |
| Tier 1 risk-based capital ratio | 17.7881% | 2,366 |
| Total risk-based capital ratio | 19.0516% | 2,339 |
| Memoranda: | ||
| Average total assets | $726,232,000 | 919 |
| Average earning assets | $667,570,000 | 914 |
| Average equity | $73,630,000 | 943 |
| Average total loans | $361,249,000 | 1,161 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1862% | 6,099 |
| Cost of funding earning assets | 1.2116% | 1,955 |
| Net interest margin | 2.9746% | 6,566 |
| Noninterest income to average assets | 0.7289% | 2,451 |
| Noninterest expense to average assets | 2.6926% | 4,768 |
| Loan and lease loss provision to assets | 0.3288% | 3,053 |
| Net operating income to assets | 0.3638% | 5,015 |
| Return on assets (ROA) | 0.4600% | 4,799 |
| Pretax return on assets | 0.5703% | 4,780 |
| Return on Equity (ROE) | 4.9572% | 4,410 |
| Retained earnings to average equity (ytd only) | 4.9572% | 2,674 |
| Net charge-offs to loans | 1.0446% | 1,664 |
| Credit loss provision to net charge-offs | 60.0097% | 5,169 |
| Earnings coverage of net charge-offs (x) | 1.4239% | 4,701 |
| Efficiency ratio | 77.5325% | 2,658 |
| Assets per employee ($millions) | 5.0068% | 2,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7635% | 1,022 |
| Loan loss allowance to noncurrent loans | 43.1791% | 5,424 |
| Noncurrent assets plus other real estate owned to assets | 4.9239% | 1,090 |
| Noncurrent loans to loans | 6.4001% | 741 |
| Net loans and leases to total assets | 49.6473% | 5,637 |
| Net loans and leases to deposits | 63.9760% | 5,011 |
| Net loans and leases to core deposits | 65.4678% | 5,325 |
| Total domestic deposits to total assets | 77.6030% | 6,257 |
| Equity capital to assets | 10.1790% | 3,931 |
| Core capital (leverage) ratio | 9.4697% | 4,079 |
| Tier 1 risk-based capital ratio | 17.5753% | 2,357 |
| Total risk-based capital ratio | 18.8414% | 2,317 |
| Memoranda: | ||
| Average total assets | $753,851,200 | 876 |
| Average earning assets | $695,387,600 | 863 |
| Average equity | $69,959,000 | 958 |
| Average total loans | $395,475,600 | 1,076 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2108% | 6,180 |
| Cost of funding earning assets | 1.2359% | 2,085 |
| Net interest margin | 2.9749% | 6,626 |
| Noninterest income to average assets | 0.7179% | 2,487 |
| Noninterest expense to average assets | 2.6534% | 4,894 |
| Loan and lease loss provision to assets | 0.2901% | 3,196 |
| Net operating income to assets | 0.4088% | 4,957 |
| Return on assets (ROA) | 0.5264% | 4,604 |
| Pretax return on assets | 0.6694% | 4,577 |
| Return on Equity (ROE) | 5.8058% | 4,114 |
| Retained earnings to average equity (ytd only) | 5.8058% | 2,669 |
| Net charge-offs to loans | 0.4998% | 2,759 |
| Credit loss provision to net charge-offs | 109.9469% | 3,008 |
| Earnings coverage of net charge-offs (x) | 3.0723% | 3,601 |
| Efficiency ratio | 76.5998% | 2,750 |
| Assets per employee ($millions) | 5.2043% | 1,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1309% | 775 |
| Loan loss allowance to noncurrent loans | 46.0488% | 5,252 |
| Noncurrent assets plus other real estate owned to assets | 5.1182% | 1,119 |
| Noncurrent loans to loans | 6.7990% | 748 |
| Net loans and leases to total assets | 49.7852% | 5,728 |
| Net loans and leases to deposits | 64.1867% | 5,144 |
| Net loans and leases to core deposits | 66.0091% | 5,414 |
| Total domestic deposits to total assets | 77.5631% | 6,281 |
| Equity capital to assets | 9.7669% | 4,675 |
| Core capital (leverage) ratio | 9.3388% | 4,397 |
| Tier 1 risk-based capital ratio | 17.0053% | 2,642 |
| Total risk-based capital ratio | 18.2765% | 2,595 |
| Memoranda: | ||
| Average total assets | $762,070,000 | 865 |
| Average earning assets | $703,470,500 | 858 |
| Average equity | $69,101,750 | 979 |
| Average total loans | $402,315,000 | 1,066 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2385% | 6,200 |
| Cost of funding earning assets | 1.2527% | 2,237 |
| Net interest margin | 2.9858% | 6,633 |
| Noninterest income to average assets | 0.6812% | 2,642 |
| Noninterest expense to average assets | 2.6497% | 5,008 |
| Loan and lease loss provision to assets | 0.3539% | 2,663 |
| Net operating income to assets | 0.3119% | 5,325 |
| Return on assets (ROA) | 0.4250% | 4,984 |
| Pretax return on assets | 0.5906% | 4,768 |
| Return on Equity (ROE) | 4.8066% | 4,540 |
| Retained earnings to average equity (ytd only) | 4.8066% | 3,115 |
| Net charge-offs to loans | 0.6153% | 2,290 |
| Credit loss provision to net charge-offs | 108.0286% | 2,839 |
| Earnings coverage of net charge-offs (x) | 2.4038% | 3,615 |
| Efficiency ratio | 77.0892% | 2,848 |
| Assets per employee ($millions) | 5.3653% | 1,696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0171% | 884 |
| Loan loss allowance to noncurrent loans | 48.1956% | 5,123 |
| Noncurrent assets plus other real estate owned to assets | 4.5747% | 1,367 |
| Noncurrent loans to loans | 6.2602% | 919 |
| Net loans and leases to total assets | 49.9651% | 5,826 |
| Net loans and leases to deposits | 67.3476% | 4,806 |
| Net loans and leases to core deposits | 69.4244% | 5,135 |
| Total domestic deposits to total assets | 74.1898% | 6,819 |
| Equity capital to assets | 9.0983% | 5,440 |
| Core capital (leverage) ratio | 8.9130% | 4,859 |
| Tier 1 risk-based capital ratio | 15.9221% | 3,016 |
| Total risk-based capital ratio | 17.1916% | 2,975 |
| Memoranda: | ||
| Average total assets | $768,023,000 | 874 |
| Average earning assets | $708,885,330 | 861 |
| Average equity | $67,907,000 | 994 |
| Average total loans | $408,926,000 | 1,051 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2067% | 6,268 |
| Cost of funding earning assets | 1.2678% | 2,375 |
| Net interest margin | 2.9389% | 6,692 |
| Noninterest income to average assets | 0.6549% | 2,810 |
| Noninterest expense to average assets | 3.0853% | 3,312 |
| Loan and lease loss provision to assets | 0.4446% | 1,983 |
| Net operating income to assets | -0.2202% | 6,585 |
| Return on assets (ROA) | -0.1182% | 6,497 |
| Pretax return on assets | -0.0531% | 6,406 |
| Return on Equity (ROE) | -1.3561% | 6,533 |
| Retained earnings to average equity (ytd only) | -1.3561% | 6,057 |
| Net charge-offs to loans | 0.7591% | 1,702 |
| Credit loss provision to net charge-offs | 108.2383% | 2,466 |
| Earnings coverage of net charge-offs (x) | 0.7047% | 4,104 |
| Efficiency ratio | 91.4237% | 1,212 |
| Assets per employee ($millions) | 5.2783% | 1,791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9007% | 1,006 |
| Loan loss allowance to noncurrent loans | 46.7007% | 5,190 |
| Noncurrent assets plus other real estate owned to assets | 4.1627% | 1,585 |
| Noncurrent loans to loans | 6.2113% | 1,001 |
| Net loans and leases to total assets | 50.6077% | 5,764 |
| Net loans and leases to deposits | 68.5324% | 4,604 |
| Net loans and leases to core deposits | 70.4678% | 4,985 |
| Total domestic deposits to total assets | 73.8450% | 6,919 |
| Equity capital to assets | 8.4813% | 5,939 |
| Core capital (leverage) ratio | 8.5608% | 5,332 |
| Tier 1 risk-based capital ratio | 15.3392% | 3,241 |
| Total risk-based capital ratio | 16.6088% | 3,195 |
| Memoranda: | ||
| Average total assets | $768,414,500 | 876 |
| Average earning assets | $711,155,500 | 865 |
| Average equity | $66,957,500 | 1,003 |
| Average total loans | $415,750,000 | 1,044 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5499% | 6,251 |
| Cost of funding earning assets | 1.6487% | 1,836 |
| Net interest margin | 2.9012% | 6,892 |
| Noninterest income to average assets | 0.7168% | 2,741 |
| Noninterest expense to average assets | 2.6344% | 5,275 |
| Loan and lease loss provision to assets | 0.8383% | 1,960 |
| Net operating income to assets | -0.0950% | 5,983 |
| Return on assets (ROA) | 0.4499% | 4,479 |
| Pretax return on assets | 0.4930% | 4,644 |
| Return on Equity (ROE) | 5.4767% | 3,850 |
| Retained earnings to average equity (ytd only) | 5.4767% | 2,124 |
| Net charge-offs to loans | 1.2147% | 1,844 |
| Credit loss provision to net charge-offs | 127.7244% | 3,147 |
| Earnings coverage of net charge-offs (x) | 1.1161% | 4,995 |
| Efficiency ratio | 78.2433% | 2,663 |
| Assets per employee ($millions) | 5.0701% | 2,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8048% | 1,047 |
| Loan loss allowance to noncurrent loans | 47.0722% | 5,171 |
| Noncurrent assets plus other real estate owned to assets | 4.1077% | 1,647 |
| Noncurrent loans to loans | 5.9585% | 1,050 |
| Net loans and leases to total assets | 54.6099% | 5,558 |
| Net loans and leases to deposits | 71.8901% | 4,539 |
| Net loans and leases to core deposits | 74.1324% | 4,964 |
| Total domestic deposits to total assets | 75.9630% | 6,638 |
| Equity capital to assets | 8.9573% | 5,204 |
| Core capital (leverage) ratio | 8.6262% | 5,148 |
| Tier 1 risk-based capital ratio | 15.7362% | 2,872 |
| Total risk-based capital ratio | 17.0053% | 2,828 |
| Memoranda: | ||
| Average total assets | $809,517,400 | 837 |
| Average earning assets | $739,451,600 | 829 |
| Average equity | $66,499,800 | 1,008 |
| Average total loans | $437,398,000 | 1,026 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6261% | 6,267 |
| Cost of funding earning assets | 1.7100% | 1,821 |
| Net interest margin | 2.9161% | 6,984 |
| Noninterest income to average assets | 0.6968% | 2,834 |
| Noninterest expense to average assets | 2.6045% | 5,311 |
| Loan and lease loss provision to assets | 0.8652% | 1,758 |
| Net operating income to assets | -0.1072% | 6,193 |
| Return on assets (ROA) | 0.5909% | 4,078 |
| Pretax return on assets | 0.6658% | 4,367 |
| Return on Equity (ROE) | 7.3438% | 3,179 |
| Retained earnings to average equity (ytd only) | 7.3438% | 1,676 |
| Net charge-offs to loans | 1.4247% | 1,430 |
| Credit loss provision to net charge-offs | 113.4224% | 3,697 |
| Earnings coverage of net charge-offs (x) | 0.9788% | 5,080 |
| Efficiency ratio | 77.7199% | 2,660 |
| Assets per employee ($millions) | 5.4680% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5647% | 1,252 |
| Loan loss allowance to noncurrent loans | 48.4326% | 5,064 |
| Noncurrent assets plus other real estate owned to assets | 3.3880% | 2,102 |
| Noncurrent loans to loans | 5.2953% | 1,281 |
| Net loans and leases to total assets | 51.5698% | 6,149 |
| Net loans and leases to deposits | 72.9981% | 4,690 |
| Net loans and leases to core deposits | 75.1703% | 5,161 |
| Total domestic deposits to total assets | 70.6454% | 7,242 |
| Equity capital to assets | 8.3488% | 6,452 |
| Core capital (leverage) ratio | 8.4049% | 5,692 |
| Tier 1 risk-based capital ratio | 15.2608% | 3,122 |
| Total risk-based capital ratio | 16.5265% | 3,079 |
| Memoranda: | ||
| Average total assets | $824,304,750 | 820 |
| Average earning assets | $750,301,500 | 817 |
| Average equity | $66,321,500 | 1,012 |
| Average total loans | $441,347,500 | 1,022 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7284% | 6,049 |
| Cost of funding earning assets | 1.7803% | 1,719 |
| Net interest margin | 2.9481% | 6,939 |
| Noninterest income to average assets | 0.6434% | 3,043 |
| Noninterest expense to average assets | 2.7121% | 4,860 |
| Loan and lease loss provision to assets | 0.6458% | 2,228 |
| Net operating income to assets | 0.0089% | 6,074 |
| Return on assets (ROA) | 0.4847% | 4,551 |
| Pretax return on assets | 0.4242% | 5,138 |
| Return on Equity (ROE) | 6.0995% | 3,762 |
| Retained earnings to average equity (ytd only) | 6.0995% | 2,279 |
| Net charge-offs to loans | 1.0429% | 1,796 |
| Credit loss provision to net charge-offs | 115.2324% | 3,526 |
| Earnings coverage of net charge-offs (x) | 1.0602% | 4,730 |
| Efficiency ratio | 82.0277% | 2,165 |
| Assets per employee ($millions) | 5.4840% | 1,630 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4456% | 1,373 |
| Loan loss allowance to noncurrent loans | 41.6586% | 5,547 |
| Noncurrent assets plus other real estate owned to assets | 3.4423% | 2,044 |
| Noncurrent loans to loans | 5.8705% | 1,100 |
| Net loans and leases to total assets | 51.5681% | 6,258 |
| Net loans and leases to deposits | 72.5235% | 4,906 |
| Net loans and leases to core deposits | 74.7313% | 5,363 |
| Total domestic deposits to total assets | 71.1054% | 7,258 |
| Equity capital to assets | 8.2053% | 6,538 |
| Core capital (leverage) ratio | 7.9788% | 6,295 |
| Tier 1 risk-based capital ratio | 14.5110% | 3,440 |
| Total risk-based capital ratio | 15.7756% | 3,397 |
| Memoranda: | ||
| Average total assets | $829,318,330 | 818 |
| Average earning assets | $749,096,000 | 823 |
| Average equity | $65,907,330 | 1,008 |
| Average total loans | $445,689,670 | 1,021 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7621% | 6,030 |
| Cost of funding earning assets | 1.7392% | 2,189 |
| Net interest margin | 3.0229% | 6,777 |
| Noninterest income to average assets | 0.5496% | 3,652 |
| Noninterest expense to average assets | 3.0415% | 3,516 |
| Loan and lease loss provision to assets | 0.2892% | 3,709 |
| Net operating income to assets | 0.0137% | 6,253 |
| Return on assets (ROA) | 0.3774% | 5,069 |
| Pretax return on assets | 0.2051% | 5,864 |
| Return on Equity (ROE) | 4.4481% | 4,684 |
| Retained earnings to average equity (ytd only) | 4.4481% | 3,487 |
| Net charge-offs to loans | 0.5096% | 2,541 |
| Credit loss provision to net charge-offs | 101.9277% | 3,338 |
| Earnings coverage of net charge-offs (x) | 0.4602% | 4,611 |
| Efficiency ratio | 95.8836% | 1,032 |
| Assets per employee ($millions) | 5.3130% | 1,853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5341% | 1,251 |
| Loan loss allowance to noncurrent loans | 37.2164% | 5,889 |
| Noncurrent assets plus other real estate owned to assets | 4.2413% | 1,607 |
| Noncurrent loans to loans | 6.8090% | 888 |
| Net loans and leases to total assets | 54.9126% | 5,905 |
| Net loans and leases to deposits | 73.9746% | 4,743 |
| Net loans and leases to core deposits | 79.0257% | 4,887 |
| Total domestic deposits to total assets | 74.2316% | 7,018 |
| Equity capital to assets | 8.6166% | 5,849 |
| Core capital (leverage) ratio | 8.1908% | 5,922 |
| Tier 1 risk-based capital ratio | 14.1725% | 3,546 |
| Total risk-based capital ratio | 15.4368% | 3,516 |
| Memoranda: | ||
| Average total assets | $585,104,500 | 1,186 |
| Average earning assets | $507,596,500 | 1,254 |
| Average equity | $49,639,000 | 1,349 |
| Average total loans | $325,734,500 | 1,445 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9072% | 6,693 |
| Cost of funding earning assets | 1.9590% | 3,163 |
| Net interest margin | 2.9482% | 6,759 |
| Noninterest income to average assets | 0.8096% | 2,359 |
| Noninterest expense to average assets | 2.6163% | 5,729 |
| Loan and lease loss provision to assets | 1.2295% | 1,872 |
| Net operating income to assets | -0.0895% | 5,662 |
| Return on assets (ROA) | 0.0265% | 5,457 |
| Pretax return on assets | -0.2892% | 5,821 |
| Return on Equity (ROE) | 0.3920% | 5,415 |
| Retained earnings to average equity (ytd only) | 0.3920% | 4,689 |
| Net charge-offs to loans | 1.3837% | 1,814 |
| Credit loss provision to net charge-offs | 161.5666% | 2,741 |
| Earnings coverage of net charge-offs (x) | 0.9974% | 5,115 |
| Efficiency ratio | 77.5131% | 3,266 |
| Assets per employee ($millions) | 5.2309% | 1,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5400% | 1,178 |
| Loan loss allowance to noncurrent loans | 46.9318% | 5,253 |
| Noncurrent assets plus other real estate owned to assets | 4.3925% | 1,475 |
| Noncurrent loans to loans | 5.4122% | 1,207 |
| Net loans and leases to total assets | 53.6182% | 6,229 |
| Net loans and leases to deposits | 72.5814% | 5,250 |
| Net loans and leases to core deposits | 87.8218% | 5,346 |
| Total domestic deposits to total assets | 73.8733% | 7,036 |
| Equity capital to assets | 8.3537% | 6,119 |
| Core capital (leverage) ratio | 7.6805% | 6,575 |
| Tier 1 risk-based capital ratio | 14.3992% | 3,263 |
| Total risk-based capital ratio | 15.6643% | 3,206 |
| Memoranda: | ||
| Average total assets | $610,661,800 | 1,135 |
| Average earning assets | $531,441,600 | 1,197 |
| Average equity | $41,330,600 | 1,617 |
| Average total loans | $335,831,200 | 1,434 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0658% | 6,397 |
| Cost of funding earning assets | 1.9869% | 3,435 |
| Net interest margin | 3.0790% | 6,367 |
| Noninterest income to average assets | 0.8729% | 2,092 |
| Noninterest expense to average assets | 2.5984% | 5,716 |
| Loan and lease loss provision to assets | 1.2364% | 1,568 |
| Net operating income to assets | -0.0939% | 5,881 |
| Return on assets (ROA) | -0.0082% | 5,785 |
| Pretax return on assets | -0.1770% | 5,943 |
| Return on Equity (ROE) | -0.1289% | 5,798 |
| Retained earnings to average equity (ytd only) | -0.1289% | 5,240 |
| Net charge-offs to loans | 1.6102% | 1,267 |
| Credit loss provision to net charge-offs | 139.6282% | 3,531 |
| Earnings coverage of net charge-offs (x) | 1.0453% | 5,010 |
| Efficiency ratio | 73.7353% | 3,910 |
| Assets per employee ($millions) | 5.4431% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1120% | 1,578 |
| Loan loss allowance to noncurrent loans | 48.3136% | 5,095 |
| Noncurrent assets plus other real estate owned to assets | 2.5946% | 2,682 |
| Noncurrent loans to loans | 4.3715% | 1,619 |
| Net loans and leases to total assets | 51.9710% | 6,598 |
| Net loans and leases to deposits | 68.3748% | 6,100 |
| Net loans and leases to core deposits | 81.3792% | 6,246 |
| Total domestic deposits to total assets | 76.0090% | 6,577 |
| Equity capital to assets | 6.2720% | 7,811 |
| Core capital (leverage) ratio | 5.9624% | 7,804 |
| Tier 1 risk-based capital ratio | 10.6893% | 6,258 |
| Total risk-based capital ratio | 11.9490% | 6,224 |
| Memoranda: | ||
| Average total assets | $615,554,250 | 1,142 |
| Average earning assets | $529,994,250 | 1,208 |
| Average equity | $39,318,750 | 1,730 |
| Average total loans | $338,490,750 | 1,439 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1498% | 6,253 |
| Cost of funding earning assets | 1.9834% | 3,856 |
| Net interest margin | 3.1664% | 6,034 |
| Noninterest income to average assets | 0.9044% | 1,965 |
| Noninterest expense to average assets | 2.7029% | 5,376 |
| Loan and lease loss provision to assets | 0.7698% | 2,150 |
| Net operating income to assets | 0.1634% | 5,380 |
| Return on assets (ROA) | 0.3519% | 4,789 |
| Pretax return on assets | 0.3663% | 5,025 |
| Return on Equity (ROE) | 5.4756% | 3,874 |
| Retained earnings to average equity (ytd only) | 5.4756% | 2,256 |
| Net charge-offs to loans | 0.7083% | 2,283 |
| Credit loss provision to net charge-offs | 195.3566% | 2,339 |
| Earnings coverage of net charge-offs (x) | 2.3847% | 3,873 |
| Efficiency ratio | 74.2017% | 4,008 |
| Assets per employee ($millions) | 5.7396% | 1,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9344% | 1,711 |
| Loan loss allowance to noncurrent loans | 36.4319% | 5,990 |
| Noncurrent assets plus other real estate owned to assets | 3.0450% | 2,079 |
| Noncurrent loans to loans | 5.3095% | 1,119 |
| Net loans and leases to total assets | 51.1912% | 6,766 |
| Net loans and leases to deposits | 75.4250% | 5,254 |
| Net loans and leases to core deposits | 90.3943% | 5,500 |
| Total domestic deposits to total assets | 67.8702% | 7,630 |
| Equity capital to assets | 6.0194% | 7,923 |
| Core capital (leverage) ratio | 6.0304% | 7,920 |
| Tier 1 risk-based capital ratio | 11.0740% | 5,802 |
| Total risk-based capital ratio | 12.3322% | 5,714 |
| Memoranda: | ||
| Average total assets | $612,087,330 | 1,166 |
| Average earning assets | $529,301,670 | 1,226 |
| Average equity | $39,338,330 | 1,731 |
| Average total loans | $340,543,000 | 1,463 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4689% | 5,071 |
| Cost of funding earning assets | 2.0447% | 3,902 |
| Net interest margin | 3.4243% | 5,034 |
| Noninterest income to average assets | 0.8595% | 2,037 |
| Noninterest expense to average assets | 2.5643% | 5,591 |
| Loan and lease loss provision to assets | 0.3799% | 3,046 |
| Net operating income to assets | 0.7177% | 3,471 |
| Return on assets (ROA) | 0.8642% | 3,011 |
| Pretax return on assets | 1.0238% | 3,265 |
| Return on Equity (ROE) | 12.9965% | 1,387 |
| Retained earnings to average equity (ytd only) | 12.9965% | 642 |
| Net charge-offs to loans | 0.2787% | 3,000 |
| Credit loss provision to net charge-offs | 236.9748% | 1,954 |
| Earnings coverage of net charge-offs (x) | 7.6681% | 2,316 |
| Efficiency ratio | 67.5959% | 5,040 |
| Assets per employee ($millions) | 5.4630% | 1,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6812% | 2,205 |
| Loan loss allowance to noncurrent loans | 41.7530% | 5,757 |
| Noncurrent assets plus other real estate owned to assets | 2.5179% | 2,279 |
| Noncurrent loans to loans | 4.0264% | 1,490 |
| Net loans and leases to total assets | 57.2884% | 6,056 |
| Net loans and leases to deposits | 79.0623% | 4,764 |
| Net loans and leases to core deposits | 94.0266% | 5,146 |
| Total domestic deposits to total assets | 72.4598% | 7,137 |
| Equity capital to assets | 6.8922% | 7,725 |
| Core capital (leverage) ratio | 6.3042% | 7,945 |
| Tier 1 risk-based capital ratio | 11.1652% | 5,738 |
| Total risk-based capital ratio | 12.4209% | 5,651 |
| Memoranda: | ||
| Average total assets | $593,844,500 | 1,203 |
| Average earning assets | $508,837,500 | 1,271 |
| Average equity | $39,487,500 | 1,721 |
| Average total loans | $341,534,000 | 1,470 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8462% | 6,273 |
| Cost of funding earning assets | 2.5264% | 4,065 |
| Net interest margin | 3.3198% | 5,971 |
| Noninterest income to average assets | 0.8702% | 2,107 |
| Noninterest expense to average assets | 2.4565% | 6,180 |
| Loan and lease loss provision to assets | 0.3228% | 3,792 |
| Net operating income to assets | 0.8082% | 3,405 |
| Return on assets (ROA) | 0.8494% | 3,062 |
| Pretax return on assets | 0.9987% | 3,389 |
| Return on Equity (ROE) | 14.4982% | 1,011 |
| Retained earnings to average equity (ytd only) | 8.0527% | 832 |
| Net charge-offs to loans | 0.2457% | 3,815 |
| Credit loss provision to net charge-offs | 232.8963% | 2,041 |
| Earnings coverage of net charge-offs (x) | 9.1859% | 2,739 |
| Efficiency ratio | 65.8650% | 5,151 |
| Assets per employee ($millions) | 5.3376% | 1,597 |
| Cash dividends to net income (ytd only)* | 44.4574% | 3,426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5765% | 2,337 |
| Loan loss allowance to noncurrent loans | 40.8396% | 5,996 |
| Noncurrent assets plus other real estate owned to assets | 2.3344% | 2,082 |
| Noncurrent loans to loans | 3.8602% | 1,284 |
| Net loans and leases to total assets | 55.8850% | 6,454 |
| Net loans and leases to deposits | 77.6893% | 5,380 |
| Net loans and leases to core deposits | 90.5941% | 5,749 |
| Total domestic deposits to total assets | 71.9339% | 7,009 |
| Equity capital to assets | 6.4142% | 7,965 |
| Core capital (leverage) ratio | 6.0489% | 8,067 |
| Tier 1 risk-based capital ratio | 10.5520% | 6,153 |
| Total risk-based capital ratio | 11.8056% | 6,053 |
| Memoranda: | ||
| Average total assets | $605,384,800 | 1,117 |
| Average earning assets | $521,417,400 | 1,183 |
| Average equity | $35,466,400 | 1,903 |
| Average total loans | $341,440,800 | 1,421 |