Home > Virginia Bank and Trust Company > Performance and Condition Ratios
Virginia Bank and Trust Company, Performance and Condition Ratios
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8491% | 3,416 |
| Cost of funding earning assets | 0.1826% | 4,724 |
| Net interest margin | 3.6665% | 2,042 |
| Noninterest income to average assets | 0.5688% | 2,312 |
| Noninterest expense to average assets | 2.8547% | 1,814 |
| Loan and lease loss provision to assets | 0.2397% | 1,691 |
| Net operating income to assets | 0.7989% | 3,095 |
| Return on assets (ROA) | 0.8046% | 3,191 |
| Pretax return on assets | 0.9905% | 3,105 |
| Return on Equity (ROE) | 7.4929% | 3,016 |
| Retained earnings to average equity (ytd only) | 0.3932% | 4,406 |
| Net charge-offs to loans | 0.3346% | 467 |
| Credit loss provision to net charge-offs | 104.6036% | 2,590 |
| Earnings coverage of net charge-offs (x) | 5.3350% | 2,736 |
| Efficiency ratio | 70.0029% | 1,889 |
| Assets per employee ($millions) | 3.8777% | 4,420 |
| Cash dividends to net income (ytd only)* | 94.7522% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7495% | 4,489 |
| Loan loss allowance to noncurrent loans | 473.7255% | 1,106 |
| Noncurrent assets plus other real estate owned to assets | 0.1078% | 3,895 |
| Noncurrent loans to loans | 0.1582% | 3,747 |
| Net loans and leases to total assets | 67.6229% | 2,293 |
| Net loans and leases to deposits | 77.2615% | 2,625 |
| Net loans and leases to core deposits | 78.3514% | 2,977 |
| Total domestic deposits to total assets | 87.5248% | 1,434 |
| Equity capital to assets | 10.4024% | 2,868 |
| Core capital (leverage) ratio | 10.9576% | 1,918 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.2934% | 1,007 |
| Memoranda: | ||
| Average total assets | $227,358,750 | 2,720 |
| Average earning assets | $217,602,500 | 2,674 |
| Average equity | $24,413,750 | 2,840 |
| Average total loans | $155,787,750 | 2,613 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9108% | 3,587 |
| Cost of funding earning assets | 0.1929% | 4,779 |
| Net interest margin | 3.7179% | 2,099 |
| Noninterest income to average assets | 0.5983% | 2,137 |
| Noninterest expense to average assets | 2.9015% | 1,826 |
| Loan and lease loss provision to assets | 0.3219% | 1,329 |
| Net operating income to assets | 0.7801% | 3,109 |
| Return on assets (ROA) | 0.7891% | 3,190 |
| Pretax return on assets | 0.9434% | 3,196 |
| Return on Equity (ROE) | 7.2691% | 3,023 |
| Retained earnings to average equity (ytd only) | 0.6982% | 4,160 |
| Net charge-offs to loans | 0.4559% | 349 |
| Credit loss provision to net charge-offs | 102.8490% | 2,378 |
| Earnings coverage of net charge-offs (x) | 4.0085% | 2,629 |
| Efficiency ratio | 69.8133% | 1,982 |
| Assets per employee ($millions) | 3.8771% | 4,412 |
| Cash dividends to net income (ytd only)* | 90.3955% | 579 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7369% | 4,497 |
| Loan loss allowance to noncurrent loans | 553.4562% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 3,715 |
| Noncurrent loans to loans | 0.1332% | 3,924 |
| Net loans and leases to total assets | 68.4000% | 2,283 |
| Net loans and leases to deposits | 78.0911% | 2,641 |
| Net loans and leases to core deposits | 79.1901% | 3,012 |
| Total domestic deposits to total assets | 87.5900% | 1,380 |
| Equity capital to assets | 10.4037% | 2,834 |
| Core capital (leverage) ratio | 11.1224% | 1,876 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 18.6907% | 950 |
| Memoranda: | ||
| Average total assets | $224,298,000 | 2,724 |
| Average earning assets | $214,638,333 | 2,671 |
| Average equity | $24,349,667 | 2,829 |
| Average total loans | $153,995,667 | 2,622 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1309% | 3,433 |
| Cost of funding earning assets | 0.2111% | 4,869 |
| Net interest margin | 3.9197% | 1,609 |
| Noninterest income to average assets | 0.6691% | 1,771 |
| Noninterest expense to average assets | 3.0523% | 1,759 |
| Loan and lease loss provision to assets | 0.1173% | 2,223 |
| Net operating income to assets | 1.0556% | 1,987 |
| Return on assets (ROA) | 1.0743% | 2,025 |
| Pretax return on assets | 1.2649% | 1,978 |
| Return on Equity (ROE) | 9.6772% | 1,852 |
| Retained earnings to average equity (ytd only) | 1.4202% | 3,627 |
| Net charge-offs to loans | 0.0241% | 1,885 |
| Credit loss provision to net charge-offs | 711.1111% | 718 |
| Earnings coverage of net charge-offs (x) | 82.4444% | 661 |
| Efficiency ratio | 69.1732% | 2,488 |
| Assets per employee ($millions) | 3.5724% | 4,417 |
| Cash dividends to net income (ytd only)* | 85.3242% | 930 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8325% | 4,329 |
| Loan loss allowance to noncurrent loans | 451.4493% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.2423% | 3,490 |
| Noncurrent loans to loans | 0.1844% | 3,813 |
| Net loans and leases to total assets | 68.1128% | 2,518 |
| Net loans and leases to deposits | 78.5516% | 2,829 |
| Net loans and leases to core deposits | 79.6565% | 3,229 |
| Total domestic deposits to total assets | 86.7109% | 1,688 |
| Equity capital to assets | 11.2305% | 2,658 |
| Core capital (leverage) ratio | 11.9508% | 1,771 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 19.1000% | 971 |
| Memoranda: | ||
| Average total assets | $218,195,500 | 2,726 |
| Average earning assets | $208,383,000 | 2,677 |
| Average equity | $24,222,000 | 2,832 |
| Average total loans | $149,509,000 | 2,644 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4981% | 2,955 |
| Cost of funding earning assets | 0.2037% | 4,958 |
| Net interest margin | 4.2944% | 1,099 |
| Noninterest income to average assets | 0.5841% | 2,301 |
| Noninterest expense to average assets | 3.3896% | 1,134 |
| Loan and lease loss provision to assets | 0.1470% | 1,457 |
| Net operating income to assets | 0.9062% | 3,185 |
| Return on assets (ROA) | 0.9062% | 3,276 |
| Pretax return on assets | 1.1498% | 3,010 |
| Return on Equity (ROE) | 7.8341% | 3,231 |
| Retained earnings to average equity (ytd only) | 1.4804% | 4,215 |
| Net charge-offs to loans | 0.1494% | 1,329 |
| Credit loss provision to net charge-offs | 138.3562% | 1,862 |
| Earnings coverage of net charge-offs (x) | 12.2055% | 2,426 |
| Efficiency ratio | 72.3292% | 1,822 |
| Assets per employee ($millions) | 3.5816% | 4,390 |
| Cash dividends to net income (ytd only)* | 81.1028% | 760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7968% | 4,309 |
| Loan loss allowance to noncurrent loans | 636.3636% | 808 |
| Noncurrent assets plus other real estate owned to assets | 0.2009% | 3,661 |
| Noncurrent loans to loans | 0.1252% | 4,028 |
| Net loans and leases to total assets | 67.8125% | 2,707 |
| Net loans and leases to deposits | 77.8610% | 3,023 |
| Net loans and leases to core deposits | 78.6860% | 3,398 |
| Total domestic deposits to total assets | 87.0942% | 1,559 |
| Equity capital to assets | 10.9719% | 3,021 |
| Core capital (leverage) ratio | 11.7769% | 1,906 |
| Tier 1 risk-based capital ratio | 17.5421% | 1,881 |
| Total risk-based capital ratio | 18.3535% | 1,952 |
| Memoranda: | ||
| Average total assets | $206,130,800 | 2,793 |
| Average earning assets | $196,906,400 | 2,731 |
| Average equity | $23,844,400 | 2,808 |
| Average total loans | $146,540,400 | 2,655 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5403% | 2,923 |
| Cost of funding earning assets | 0.1944% | 5,045 |
| Net interest margin | 4.3459% | 1,062 |
| Noninterest income to average assets | 0.5365% | 2,528 |
| Noninterest expense to average assets | 3.3772% | 1,128 |
| Loan and lease loss provision to assets | 0.1162% | 1,678 |
| Net operating income to assets | 0.9462% | 3,182 |
| Return on assets (ROA) | 0.9462% | 3,259 |
| Pretax return on assets | 1.1977% | 2,987 |
| Return on Equity (ROE) | 8.0683% | 3,271 |
| Retained earnings to average equity (ytd only) | 1.2654% | 4,497 |
| Net charge-offs to loans | 0.1810% | 945 |
| Credit loss provision to net charge-offs | 89.3939% | 2,399 |
| Earnings coverage of net charge-offs (x) | 10.1062% | 2,524 |
| Efficiency ratio | 71.9905% | 1,835 |
| Assets per employee ($millions) | 3.5712% | 4,430 |
| Cash dividends to net income (ytd only)* | 84.3163% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7456% | 4,560 |
| Loan loss allowance to noncurrent loans | 545.2261% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.2037% | 3,755 |
| Noncurrent loans to loans | 0.1368% | 4,046 |
| Net loans and leases to total assets | 65.2292% | 3,155 |
| Net loans and leases to deposits | 74.7593% | 3,412 |
| Net loans and leases to core deposits | 75.4380% | 3,731 |
| Total domestic deposits to total assets | 87.2523% | 1,406 |
| Equity capital to assets | 11.0066% | 3,098 |
| Core capital (leverage) ratio | 11.6300% | 2,122 |
| Tier 1 risk-based capital ratio | 17.9188% | 1,844 |
| Total risk-based capital ratio | 18.6782% | 1,929 |
| Memoranda: | ||
| Average total assets | $203,044,500 | 2,836 |
| Average earning assets | $194,109,750 | 2,778 |
| Average equity | $23,812,750 | 2,823 |
| Average total loans | $145,839,500 | 2,686 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6133% | 2,635 |
| Cost of funding earning assets | 0.1790% | 5,117 |
| Net interest margin | 4.4344% | 881 |
| Noninterest income to average assets | 0.4438% | 2,993 |
| Noninterest expense to average assets | 3.4603% | 1,012 |
| Loan and lease loss provision to assets | 0.1056% | 1,773 |
| Net operating income to assets | 0.8734% | 3,390 |
| Return on assets (ROA) | 0.8734% | 3,455 |
| Pretax return on assets | 1.1060% | 3,218 |
| Return on Equity (ROE) | 7.2798% | 3,574 |
| Retained earnings to average equity (ytd only) | 0.4232% | 4,584 |
| Net charge-offs to loans | 0.2521% | 666 |
| Credit loss provision to net charge-offs | 56.5217% | 2,426 |
| Earnings coverage of net charge-offs (x) | 6.4837% | 2,566 |
| Efficiency ratio | 74.0652% | 1,642 |
| Assets per employee ($millions) | 3.0291% | 4,888 |
| Cash dividends to net income (ytd only)* | 94.1860% | 530 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6849% | 4,738 |
| Loan loss allowance to noncurrent loans | 625.0000% | 840 |
| Noncurrent assets plus other real estate owned to assets | 0.2113% | 3,731 |
| Noncurrent loans to loans | 0.1096% | 4,184 |
| Net loans and leases to total assets | 75.4949% | 1,630 |
| Net loans and leases to deposits | 87.9502% | 2,015 |
| Net loans and leases to core deposits | 88.8646% | 2,716 |
| Total domestic deposits to total assets | 85.8383% | 2,117 |
| Equity capital to assets | 12.2205% | 2,040 |
| Core capital (leverage) ratio | 12.9508% | 1,321 |
| Tier 1 risk-based capital ratio | 17.5092% | 1,937 |
| Total risk-based capital ratio | 18.2151% | 2,038 |
| Memoranda: | ||
| Average total assets | $196,921,670 | 2,901 |
| Average earning assets | $187,760,670 | 2,848 |
| Average equity | $23,627,000 | 2,830 |
| Average total loans | $145,949,000 | 2,699 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5343% | 2,750 |
| Cost of funding earning assets | 0.1661% | 5,187 |
| Net interest margin | 4.3682% | 973 |
| Noninterest income to average assets | 0.1300% | 4,951 |
| Noninterest expense to average assets | 3.4488% | 1,039 |
| Loan and lease loss provision to assets | 0.0650% | 2,361 |
| Net operating income to assets | 0.6175% | 4,187 |
| Return on assets (ROA) | 0.6175% | 4,228 |
| Pretax return on assets | 0.7820% | 4,090 |
| Return on Equity (ROE) | 5.1944% | 4,269 |
| Retained earnings to average equity (ytd only) | -1.7258% | 4,721 |
| Net charge-offs to loans | 0.0056% | 2,507 |
| Credit loss provision to net charge-offs | 1,600.0000% | 245 |
| Earnings coverage of net charge-offs (x) | 208.5000% | 374 |
| Efficiency ratio | 80.2837% | 1,035 |
| Assets per employee ($millions) | 3.1463% | 4,876 |
| Cash dividends to net income (ytd only)* | 133.2237% | 404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7760% | 4,587 |
| Loan loss allowance to noncurrent loans | 125.1101% | 2,993 |
| Noncurrent assets plus other real estate owned to assets | 0.5761% | 2,344 |
| Noncurrent loans to loans | 0.6203% | 2,469 |
| Net loans and leases to total assets | 72.1338% | 2,133 |
| Net loans and leases to deposits | 83.2918% | 2,469 |
| Net loans and leases to core deposits | 83.4516% | 3,065 |
| Total domestic deposits to total assets | 86.6037% | 2,004 |
| Equity capital to assets | 11.7053% | 2,229 |
| Core capital (leverage) ratio | 12.7759% | 1,367 |
| Tier 1 risk-based capital ratio | 17.5379% | 1,930 |
| Total risk-based capital ratio | 18.3262% | 2,028 |
| Memoranda: | ||
| Average total assets | $196,937,500 | 2,931 |
| Average earning assets | $187,813,000 | 2,873 |
| Average equity | $23,410,000 | 2,850 |
| Average total loans | $144,090,000 | 2,752 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4403% | 2,637 |
| Cost of funding earning assets | 0.1171% | 5,252 |
| Net interest margin | 4.3232% | 1,102 |
| Noninterest income to average assets | 0.6944% | 1,873 |
| Noninterest expense to average assets | 3.6273% | 839 |
| Loan and lease loss provision to assets | 0.0449% | 3,282 |
| Net operating income to assets | 0.9054% | 3,425 |
| Return on assets (ROA) | 0.9054% | 3,412 |
| Pretax return on assets | 1.1246% | 3,188 |
| Return on Equity (ROE) | 7.8853% | 3,488 |
| Retained earnings to average equity (ytd only) | 0.6926% | 4,807 |
| Net charge-offs to loans | 0.0970% | 1,792 |
| Credit loss provision to net charge-offs | 66.1654% | 3,038 |
| Earnings coverage of net charge-offs (x) | 17.2481% | 2,205 |
| Efficiency ratio | 75.6191% | 1,417 |
| Assets per employee ($millions) | 2.6738% | 5,149 |
| Cash dividends to net income (ytd only)* | 91.2162% | 411 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7800% | 4,607 |
| Loan loss allowance to noncurrent loans | 233.3333% | 1,990 |
| Noncurrent assets plus other real estate owned to assets | 0.3771% | 3,046 |
| Noncurrent loans to loans | 0.3343% | 3,351 |
| Net loans and leases to total assets | 73.0797% | 2,084 |
| Net loans and leases to deposits | 84.6315% | 2,448 |
| Net loans and leases to core deposits | 84.8014% | 3,016 |
| Total domestic deposits to total assets | 86.3505% | 2,070 |
| Equity capital to assets | 12.0771% | 1,841 |
| Core capital (leverage) ratio | 13.4075% | 1,106 |
| Tier 1 risk-based capital ratio | 18.8936% | 1,538 |
| Total risk-based capital ratio | 19.6964% | 1,585 |
| Memoranda: | ||
| Average total assets | $196,151,400 | 2,906 |
| Average earning assets | $186,136,200 | 2,861 |
| Average equity | $22,522,800 | 2,862 |
| Average total loans | $137,131,800 | 2,804 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3667% | 2,739 |
| Cost of funding earning assets | 0.1091% | 5,331 |
| Net interest margin | 4.2576% | 1,218 |
| Noninterest income to average assets | 0.7497% | 1,675 |
| Noninterest expense to average assets | 3.5941% | 861 |
| Loan and lease loss provision to assets | 0.0541% | 2,885 |
| Net operating income to assets | 0.9019% | 3,520 |
| Return on assets (ROA) | 0.9019% | 3,525 |
| Pretax return on assets | 1.1407% | 3,238 |
| Return on Equity (ROE) | 7.9553% | 3,567 |
| Retained earnings to average equity (ytd only) | 0.7042% | 4,914 |
| Net charge-offs to loans | 0.0324% | 2,440 |
| Credit loss provision to net charge-offs | 242.4242% | 1,206 |
| Earnings coverage of net charge-offs (x) | 53.5139% | 1,128 |
| Efficiency ratio | 75.0494% | 1,458 |
| Assets per employee ($millions) | 2.7740% | 5,174 |
| Cash dividends to net income (ytd only)* | 91.1478% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8638% | 4,398 |
| Loan loss allowance to noncurrent loans | 125.8403% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.7189% | 2,057 |
| Noncurrent loans to loans | 0.6864% | 2,362 |
| Net loans and leases to total assets | 70.8054% | 2,529 |
| Net loans and leases to deposits | 81.6660% | 2,857 |
| Net loans and leases to core deposits | 81.8273% | 3,336 |
| Total domestic deposits to total assets | 86.7012% | 1,867 |
| Equity capital to assets | 11.3898% | 2,338 |
| Core capital (leverage) ratio | 13.1659% | 1,222 |
| Tier 1 risk-based capital ratio | 18.6462% | 1,630 |
| Total risk-based capital ratio | 19.5279% | 1,679 |
| Memoranda: | ||
| Average total assets | $197,061,000 | 2,925 |
| Average earning assets | $186,957,000 | 2,880 |
| Average equity | $22,341,000 | 2,887 |
| Average total loans | $135,966,250 | 2,833 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2976% | 2,766 |
| Cost of funding earning assets | 0.1042% | 5,399 |
| Net interest margin | 4.1933% | 1,307 |
| Noninterest income to average assets | 0.7908% | 1,497 |
| Noninterest expense to average assets | 3.5764% | 895 |
| Loan and lease loss provision to assets | 0.0636% | 2,627 |
| Net operating income to assets | 0.8949% | 3,477 |
| Return on assets (ROA) | 0.8949% | 3,485 |
| Pretax return on assets | 1.1322% | 3,188 |
| Return on Equity (ROE) | 7.9052% | 3,538 |
| Retained earnings to average equity (ytd only) | 0.6781% | 4,829 |
| Net charge-offs to loans | 0.0370% | 2,110 |
| Credit loss provision to net charge-offs | 252.0000% | 1,131 |
| Earnings coverage of net charge-offs (x) | 47.3600% | 1,165 |
| Efficiency ratio | 74.9418% | 1,571 |
| Assets per employee ($millions) | 2.8541% | 5,191 |
| Cash dividends to net income (ytd only)* | 91.4221% | 503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8794% | 4,425 |
| Loan loss allowance to noncurrent loans | 555.6075% | 1,010 |
| Noncurrent assets plus other real estate owned to assets | 0.5301% | 2,642 |
| Noncurrent loans to loans | 0.1583% | 4,195 |
| Net loans and leases to total assets | 67.0809% | 2,999 |
| Net loans and leases to deposits | 76.9559% | 3,260 |
| Net loans and leases to core deposits | 77.1029% | 3,655 |
| Total domestic deposits to total assets | 87.1680% | 1,766 |
| Equity capital to assets | 11.1247% | 2,525 |
| Core capital (leverage) ratio | 12.9643% | 1,233 |
| Tier 1 risk-based capital ratio | 18.8932% | 1,576 |
| Total risk-based capital ratio | 19.7813% | 1,631 |
| Memoranda: | ||
| Average total assets | $198,020,330 | 2,920 |
| Average earning assets | $188,013,000 | 2,879 |
| Average equity | $22,415,670 | 2,890 |
| Average total loans | $135,058,330 | 2,858 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2314% | 2,780 |
| Cost of funding earning assets | 0.1003% | 5,466 |
| Net interest margin | 4.1311% | 1,367 |
| Noninterest income to average assets | 0.7974% | 1,461 |
| Noninterest expense to average assets | 3.5549% | 919 |
| Loan and lease loss provision to assets | 0.0629% | 2,515 |
| Net operating income to assets | 0.8745% | 3,394 |
| Return on assets (ROA) | 0.8745% | 3,410 |
| Pretax return on assets | 1.1058% | 3,154 |
| Return on Equity (ROE) | 7.6586% | 3,520 |
| Retained earnings to average equity (ytd only) | 0.4620% | 4,730 |
| Net charge-offs to loans | 0.0148% | 2,232 |
| Credit loss provision to net charge-offs | 620.0000% | 506 |
| Earnings coverage of net charge-offs (x) | 115.2000% | 544 |
| Efficiency ratio | 75.2577% | 1,710 |
| Assets per employee ($millions) | 2.8458% | 5,257 |
| Cash dividends to net income (ytd only)* | 93.9675% | 634 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8715% | 4,562 |
| Loan loss allowance to noncurrent loans | 81.6794% | 3,798 |
| Noncurrent assets plus other real estate owned to assets | 1.1189% | 1,384 |
| Noncurrent loans to loans | 1.0669% | 1,715 |
| Net loans and leases to total assets | 67.2083% | 2,864 |
| Net loans and leases to deposits | 76.9534% | 3,119 |
| Net loans and leases to core deposits | 77.1005% | 3,565 |
| Total domestic deposits to total assets | 87.3364% | 1,988 |
| Equity capital to assets | 11.2003% | 2,386 |
| Core capital (leverage) ratio | 12.8808% | 1,218 |
| Tier 1 risk-based capital ratio | 19.5225% | 1,433 |
| Total risk-based capital ratio | 20.4328% | 1,465 |
| Memoranda: | ||
| Average total assets | $197,135,500 | 2,955 |
| Average earning assets | $187,359,000 | 2,918 |
| Average equity | $22,510,500 | 2,911 |
| Average total loans | $134,982,500 | 2,874 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2923% | 2,351 |
| Cost of funding earning assets | 0.1109% | 5,452 |
| Net interest margin | 4.1813% | 1,226 |
| Noninterest income to average assets | 0.8311% | 1,463 |
| Noninterest expense to average assets | 3.4785% | 1,071 |
| Loan and lease loss provision to assets | 0.2607% | 704 |
| Net operating income to assets | 0.4437% | 4,555 |
| Return on assets (ROA) | 0.4437% | 4,581 |
| Pretax return on assets | 1.0499% | 3,381 |
| Return on Equity (ROE) | 3.6837% | 4,611 |
| Retained earnings to average equity (ytd only) | -3.2715% | 5,356 |
| Net charge-offs to loans | 0.1189% | 1,858 |
| Credit loss provision to net charge-offs | 313.0435% | 915 |
| Earnings coverage of net charge-offs (x) | 15.7391% | 2,225 |
| Efficiency ratio | 72.6350% | 2,135 |
| Assets per employee ($millions) | 2.7866% | 5,333 |
| Cash dividends to net income (ytd only)* | 188.8112% | 106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8532% | 4,655 |
| Loan loss allowance to noncurrent loans | 87.3956% | 3,762 |
| Noncurrent assets plus other real estate owned to assets | 1.0781% | 1,413 |
| Noncurrent loans to loans | 0.9763% | 1,814 |
| Net loans and leases to total assets | 68.5690% | 2,741 |
| Net loans and leases to deposits | 78.6462% | 3,048 |
| Net loans and leases to core deposits | 78.8000% | 3,521 |
| Total domestic deposits to total assets | 87.1866% | 1,904 |
| Equity capital to assets | 11.6419% | 2,083 |
| Core capital (leverage) ratio | 13.0713% | 1,123 |
| Tier 1 risk-based capital ratio | 19.2712% | 1,454 |
| Total risk-based capital ratio | 20.1509% | 1,491 |
| Memoranda: | ||
| Average total assets | $193,358,200 | 2,982 |
| Average earning assets | $183,027,200 | 2,933 |
| Average equity | $23,291,800 | 2,826 |
| Average total loans | $135,439,600 | 2,842 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2800% | 2,321 |
| Cost of funding earning assets | 0.1111% | 5,514 |
| Net interest margin | 4.1689% | 1,233 |
| Noninterest income to average assets | 0.7996% | 1,591 |
| Noninterest expense to average assets | 3.3994% | 1,157 |
| Loan and lease loss provision to assets | 0.2426% | 723 |
| Net operating income to assets | 0.7166% | 3,890 |
| Return on assets (ROA) | 0.7166% | 3,950 |
| Pretax return on assets | 1.0974% | 3,311 |
| Return on Equity (ROE) | 5.8992% | 4,168 |
| Retained earnings to average equity (ytd only) | -1.0126% | 5,354 |
| Net charge-offs to loans | 0.1249% | 1,535 |
| Credit loss provision to net charge-offs | 276.3780% | 1,055 |
| Earnings coverage of net charge-offs (x) | 15.2676% | 2,241 |
| Efficiency ratio | 71.7265% | 2,239 |
| Assets per employee ($millions) | 2.8022% | 5,389 |
| Cash dividends to net income (ytd only)* | 117.1651% | 179 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7599% | 4,997 |
| Loan loss allowance to noncurrent loans | 78.8388% | 3,943 |
| Noncurrent assets plus other real estate owned to assets | 1.0798% | 1,547 |
| Noncurrent loans to loans | 0.9638% | 1,998 |
| Net loans and leases to total assets | 68.7144% | 2,736 |
| Net loans and leases to deposits | 79.0861% | 3,059 |
| Net loans and leases to core deposits | 79.2404% | 3,515 |
| Total domestic deposits to total assets | 86.8856% | 1,911 |
| Equity capital to assets | 11.9704% | 1,983 |
| Core capital (leverage) ratio | 13.0698% | 1,187 |
| Tier 1 risk-based capital ratio | 19.2176% | 1,535 |
| Total risk-based capital ratio | 19.9988% | 1,606 |
| Memoranda: | ||
| Average total assets | $192,932,250 | 3,014 |
| Average earning assets | $182,331,250 | 2,965 |
| Average equity | $23,437,500 | 2,839 |
| Average total loans | $135,573,750 | 2,857 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2915% | 2,165 |
| Cost of funding earning assets | 0.1125% | 5,551 |
| Net interest margin | 4.1790% | 1,124 |
| Noninterest income to average assets | 0.8048% | 1,554 |
| Noninterest expense to average assets | 3.3994% | 1,167 |
| Loan and lease loss provision to assets | 0.2669% | 609 |
| Net operating income to assets | 0.6922% | 3,881 |
| Return on assets (ROA) | 0.6922% | 3,946 |
| Pretax return on assets | 1.0873% | 3,226 |
| Return on Equity (ROE) | 5.6696% | 4,195 |
| Retained earnings to average equity (ytd only) | -1.2466% | 5,260 |
| Net charge-offs to loans | 0.1609% | 1,201 |
| Credit loss provision to net charge-offs | 234.8624% | 1,126 |
| Earnings coverage of net charge-offs (x) | 11.9174% | 2,232 |
| Efficiency ratio | 71.5132% | 2,435 |
| Assets per employee ($millions) | 2.7465% | 5,450 |
| Cash dividends to net income (ytd only)* | 121.9880% | 274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6983% | 5,216 |
| Loan loss allowance to noncurrent loans | 76.3389% | 4,044 |
| Noncurrent assets plus other real estate owned to assets | 1.1251% | 1,542 |
| Noncurrent loans to loans | 0.9148% | 2,140 |
| Net loans and leases to total assets | 70.6356% | 2,423 |
| Net loans and leases to deposits | 81.5737% | 2,738 |
| Net loans and leases to core deposits | 81.7362% | 3,276 |
| Total domestic deposits to total assets | 86.5911% | 2,133 |
| Equity capital to assets | 12.2562% | 1,755 |
| Core capital (leverage) ratio | 13.2629% | 1,070 |
| Tier 1 risk-based capital ratio | 19.2795% | 1,523 |
| Total risk-based capital ratio | 20.0038% | 1,612 |
| Memoranda: | ||
| Average total assets | $191,859,330 | 3,041 |
| Average earning assets | $181,289,330 | 2,989 |
| Average equity | $23,423,330 | 2,839 |
| Average total loans | $135,493,000 | 2,862 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2704% | 2,042 |
| Cost of funding earning assets | 0.1150% | 5,592 |
| Net interest margin | 4.1554% | 1,084 |
| Noninterest income to average assets | 0.8014% | 1,543 |
| Noninterest expense to average assets | 3.3559% | 1,276 |
| Loan and lease loss provision to assets | 0.4904% | 212 |
| Net operating income to assets | 0.5280% | 4,478 |
| Return on assets (ROA) | 0.5280% | 4,517 |
| Pretax return on assets | 0.8765% | 3,844 |
| Return on Equity (ROE) | 4.3334% | 4,655 |
| Retained earnings to average equity (ytd only) | -2.6035% | 5,230 |
| Net charge-offs to loans | 0.0089% | 2,664 |
| Credit loss provision to net charge-offs | 7,833.3333% | 30 |
| Earnings coverage of net charge-offs (x) | 218.3333% | 256 |
| Efficiency ratio | 71.0561% | 2,723 |
| Assets per employee ($millions) | 2.8220% | 5,472 |
| Cash dividends to net income (ytd only)* | 160.0791% | 347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7686% | 5,152 |
| Loan loss allowance to noncurrent loans | 155.6886% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.8464% | 2,184 |
| Noncurrent loans to loans | 0.4937% | 3,323 |
| Net loans and leases to total assets | 67.9687% | 2,691 |
| Net loans and leases to deposits | 78.0385% | 2,959 |
| Net loans and leases to core deposits | 78.1889% | 3,453 |
| Total domestic deposits to total assets | 87.0963% | 2,165 |
| Equity capital to assets | 11.7900% | 1,972 |
| Core capital (leverage) ratio | 12.9457% | 1,166 |
| Tier 1 risk-based capital ratio | 19.5392% | 1,489 |
| Total risk-based capital ratio | 20.3387% | 1,557 |
| Memoranda: | ||
| Average total assets | $191,662,500 | 3,079 |
| Average earning assets | $180,874,500 | 3,022 |
| Average equity | $23,353,500 | 2,854 |
| Average total loans | $134,862,500 | 2,891 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2712% | 2,243 |
| Cost of funding earning assets | 0.1257% | 5,586 |
| Net interest margin | 4.1455% | 1,253 |
| Noninterest income to average assets | 0.8572% | 1,550 |
| Noninterest expense to average assets | 3.4454% | 1,263 |
| Loan and lease loss provision to assets | 0.0043% | 4,267 |
| Net operating income to assets | 0.8953% | 2,852 |
| Return on assets (ROA) | 0.9682% | 2,600 |
| Pretax return on assets | 1.4247% | 1,841 |
| Return on Equity (ROE) | 7.5385% | 3,199 |
| Retained earnings to average equity (ytd only) | 0.7726% | 5,013 |
| Net charge-offs to loans | 0.3949% | 673 |
| Credit loss provision to net charge-offs | 1.5152% | 3,777 |
| Earnings coverage of net charge-offs (x) | 4.6667% | 3,466 |
| Efficiency ratio | 72.2741% | 2,554 |
| Assets per employee ($millions) | 2.6541% | 5,583 |
| Cash dividends to net income (ytd only)* | 89.7507% | 599 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6011% | 5,525 |
| Loan loss allowance to noncurrent loans | 162.5755% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 0.8252% | 2,285 |
| Noncurrent loans to loans | 0.3697% | 3,800 |
| Net loans and leases to total assets | 71.9174% | 2,177 |
| Net loans and leases to deposits | 83.3828% | 2,491 |
| Net loans and leases to core deposits | 83.3828% | 3,086 |
| Total domestic deposits to total assets | 86.2496% | 2,475 |
| Equity capital to assets | 12.6044% | 1,459 |
| Core capital (leverage) ratio | 12.8282% | 1,198 |
| Tier 1 risk-based capital ratio | 18.3009% | 1,776 |
| Total risk-based capital ratio | 18.9162% | 1,920 |
| Memoranda: | ||
| Average total assets | $186,423,000 | 3,095 |
| Average earning assets | $175,829,800 | 3,052 |
| Average equity | $23,943,800 | 2,803 |
| Average total loans | $133,708,200 | 2,869 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2630% | 2,288 |
| Cost of funding earning assets | 0.1273% | 5,638 |
| Net interest margin | 4.1357% | 1,291 |
| Noninterest income to average assets | 0.8504% | 1,575 |
| Noninterest expense to average assets | 3.5001% | 1,149 |
| Loan and lease loss provision to assets | 0.0043% | 4,140 |
| Net operating income to assets | 0.8235% | 3,264 |
| Return on assets (ROA) | 0.9004% | 3,044 |
| Pretax return on assets | 1.3627% | 2,187 |
| Return on Equity (ROE) | 6.9779% | 3,569 |
| Retained earnings to average equity (ytd only) | 0.2492% | 5,282 |
| Net charge-offs to loans | 0.0330% | 2,981 |
| Credit loss provision to net charge-offs | 18.1818% | 3,307 |
| Earnings coverage of net charge-offs (x) | 53.0291% | 1,030 |
| Efficiency ratio | 73.6763% | 2,348 |
| Assets per employee ($millions) | 2.6798% | 5,615 |
| Cash dividends to net income (ytd only)* | 96.4285% | 439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9645% | 4,595 |
| Loan loss allowance to noncurrent loans | 909.7902% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.9846% | 2,106 |
| Noncurrent loans to loans | 0.1060% | 4,917 |
| Net loans and leases to total assets | 71.2129% | 2,316 |
| Net loans and leases to deposits | 82.9137% | 2,616 |
| Net loans and leases to core deposits | 82.9137% | 3,217 |
| Total domestic deposits to total assets | 85.8879% | 2,417 |
| Equity capital to assets | 12.8945% | 1,547 |
| Core capital (leverage) ratio | 13.6598% | 953 |
| Tier 1 risk-based capital ratio | 18.8680% | 1,702 |
| Total risk-based capital ratio | 19.8361% | 1,733 |
| Memoranda: | ||
| Average total assets | $186,582,750 | 3,104 |
| Average earning assets | $175,958,000 | 3,063 |
| Average equity | $24,075,500 | 2,814 |
| Average total loans | $133,530,500 | 2,873 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2188% | 2,451 |
| Cost of funding earning assets | 0.1296% | 5,692 |
| Net interest margin | 4.0892% | 1,392 |
| Noninterest income to average assets | 0.8430% | 1,573 |
| Noninterest expense to average assets | 3.4728% | 1,215 |
| Loan and lease loss provision to assets | -0.0054% | 5,754 |
| Net operating income to assets | 0.8145% | 3,245 |
| Return on assets (ROA) | 0.9009% | 2,991 |
| Pretax return on assets | 1.3691% | 2,133 |
| Return on Equity (ROE) | 6.9806% | 3,557 |
| Retained earnings to average equity (ytd only) | 0.2413% | 5,232 |
| Net charge-offs to loans | 0.0376% | 2,710 |
| Credit loss provision to net charge-offs | -20.0000% | 4,475 |
| Earnings coverage of net charge-offs (x) | 45.9200% | 1,053 |
| Efficiency ratio | 73.8019% | 2,389 |
| Assets per employee ($millions) | 2.6294% | 5,720 |
| Cash dividends to net income (ytd only)* | 96.5435% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9703% | 4,668 |
| Loan loss allowance to noncurrent loans | 94.9525% | 3,804 |
| Noncurrent assets plus other real estate owned to assets | 1.1828% | 1,764 |
| Noncurrent loans to loans | 1.0219% | 2,245 |
| Net loans and leases to total assets | 71.9713% | 2,176 |
| Net loans and leases to deposits | 84.1084% | 2,457 |
| Net loans and leases to core deposits | 84.1084% | 3,071 |
| Total domestic deposits to total assets | 85.5698% | 2,620 |
| Equity capital to assets | 13.1529% | 1,417 |
| Core capital (leverage) ratio | 13.6385% | 940 |
| Tier 1 risk-based capital ratio | 19.0171% | 1,691 |
| Total risk-based capital ratio | 19.9919% | 1,711 |
| Memoranda: | ||
| Average total assets | $186,249,000 | 3,122 |
| Average earning assets | $175,925,670 | 3,085 |
| Average equity | $24,038,000 | 2,831 |
| Average total loans | $133,079,000 | 2,883 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1750% | 2,564 |
| Cost of funding earning assets | 0.1359% | 5,709 |
| Net interest margin | 4.0391% | 1,509 |
| Noninterest income to average assets | 0.8177% | 1,566 |
| Noninterest expense to average assets | 3.5229% | 1,146 |
| Loan and lease loss provision to assets | 0.0021% | 3,646 |
| Net operating income to assets | 0.7248% | 3,597 |
| Return on assets (ROA) | 0.8220% | 3,266 |
| Pretax return on assets | 1.2469% | 2,517 |
| Return on Equity (ROE) | 6.4294% | 3,766 |
| Retained earnings to average equity (ytd only) | -0.3340% | 5,171 |
| Net charge-offs to loans | 0.0633% | 1,861 |
| Credit loss provision to net charge-offs | 4.7619% | 2,397 |
| Earnings coverage of net charge-offs (x) | 24.5714% | 1,325 |
| Efficiency ratio | 76.1773% | 2,154 |
| Assets per employee ($millions) | 2.7717% | 5,689 |
| Cash dividends to net income (ytd only)* | 105.1948% | 653 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9905% | 4,665 |
| Loan loss allowance to noncurrent loans | 63.9472% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 1.5196% | 1,333 |
| Noncurrent loans to loans | 1.5490% | 1,507 |
| Net loans and leases to total assets | 69.4211% | 2,436 |
| Net loans and leases to deposits | 80.6818% | 2,704 |
| Net loans and leases to core deposits | 80.6818% | 3,267 |
| Total domestic deposits to total assets | 86.0431% | 2,652 |
| Equity capital to assets | 12.7546% | 1,534 |
| Core capital (leverage) ratio | 13.6878% | 914 |
| Tier 1 risk-based capital ratio | 19.1787% | 1,691 |
| Total risk-based capital ratio | 20.1679% | 1,719 |
| Memoranda: | ||
| Average total assets | $187,344,500 | 3,121 |
| Average earning assets | $176,574,000 | 3,089 |
| Average equity | $23,952,500 | 2,839 |
| Average total loans | $132,735,000 | 2,891 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2838% | 2,269 |
| Cost of funding earning assets | 0.1662% | 5,565 |
| Net interest margin | 4.1176% | 1,370 |
| Noninterest income to average assets | 0.9213% | 1,374 |
| Noninterest expense to average assets | 3.3918% | 1,500 |
| Loan and lease loss provision to assets | 0.0133% | 4,146 |
| Net operating income to assets | 0.9333% | 2,691 |
| Return on assets (ROA) | 0.9793% | 2,545 |
| Pretax return on assets | 1.4731% | 1,642 |
| Return on Equity (ROE) | 7.4139% | 3,299 |
| Retained earnings to average equity (ytd only) | 0.6398% | 5,257 |
| Net charge-offs to loans | 0.0398% | 3,429 |
| Credit loss provision to net charge-offs | 46.1538% | 3,456 |
| Earnings coverage of net charge-offs (x) | 49.3269% | 1,012 |
| Efficiency ratio | 70.5376% | 3,139 |
| Assets per employee ($millions) | 2.6988% | 5,768 |
| Cash dividends to net income (ytd only)* | 91.3706% | 570 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9961% | 4,644 |
| Loan loss allowance to noncurrent loans | 51.9156% | 4,830 |
| Noncurrent assets plus other real estate owned to assets | 1.6567% | 1,178 |
| Noncurrent loans to loans | 1.9187% | 1,110 |
| Net loans and leases to total assets | 70.8817% | 2,223 |
| Net loans and leases to deposits | 82.5720% | 2,527 |
| Net loans and leases to core deposits | 82.5720% | 3,090 |
| Total domestic deposits to total assets | 85.8422% | 2,718 |
| Equity capital to assets | 12.8163% | 1,452 |
| Core capital (leverage) ratio | 13.7848% | 883 |
| Tier 1 risk-based capital ratio | 18.4912% | 1,834 |
| Total risk-based capital ratio | 19.4605% | 1,873 |
| Memoranda: | ||
| Average total assets | $181,052,200 | 3,151 |
| Average earning assets | $170,924,800 | 3,118 |
| Average equity | $23,914,600 | 2,793 |
| Average total loans | $130,490,800 | 2,880 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2847% | 2,292 |
| Cost of funding earning assets | 0.1694% | 5,638 |
| Net interest margin | 4.1153% | 1,375 |
| Noninterest income to average assets | 0.8975% | 1,461 |
| Noninterest expense to average assets | 3.4296% | 1,414 |
| Loan and lease loss provision to assets | 0.0126% | 4,019 |
| Net operating income to assets | 0.8961% | 2,979 |
| Return on assets (ROA) | 0.9219% | 2,941 |
| Pretax return on assets | 1.3855% | 2,075 |
| Return on Equity (ROE) | 6.9265% | 3,665 |
| Retained earnings to average equity (ytd only) | 0.1560% | 5,560 |
| Net charge-offs to loans | 0.1459% | 1,668 |
| Credit loss provision to net charge-offs | 11.9718% | 3,434 |
| Earnings coverage of net charge-offs (x) | 12.9084% | 2,368 |
| Efficiency ratio | 71.6122% | 2,945 |
| Assets per employee ($millions) | 2.6540% | 5,866 |
| Cash dividends to net income (ytd only)* | 97.7475% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9259% | 5,092 |
| Loan loss allowance to noncurrent loans | 78.2084% | 4,207 |
| Noncurrent assets plus other real estate owned to assets | 1.0467% | 2,262 |
| Noncurrent loans to loans | 1.1838% | 2,162 |
| Net loans and leases to total assets | 72.9905% | 1,907 |
| Net loans and leases to deposits | 85.5469% | 2,199 |
| Net loans and leases to core deposits | 85.7301% | 2,880 |
| Total domestic deposits to total assets | 85.3222% | 2,872 |
| Equity capital to assets | 13.3086% | 1,303 |
| Core capital (leverage) ratio | 14.0479% | 847 |
| Tier 1 risk-based capital ratio | 18.7329% | 1,842 |
| Total risk-based capital ratio | 19.6523% | 1,883 |
| Memoranda: | ||
| Average total assets | $179,761,250 | 3,191 |
| Average earning assets | $169,995,750 | 3,150 |
| Average equity | $23,926,750 | 2,811 |
| Average total loans | $129,783,250 | 2,907 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2493% | 2,360 |
| Cost of funding earning assets | 0.1733% | 5,660 |
| Net interest margin | 4.0760% | 1,422 |
| Noninterest income to average assets | 0.8823% | 1,499 |
| Noninterest expense to average assets | 3.3889% | 1,491 |
| Loan and lease loss provision to assets | 0.0045% | 4,001 |
| Net operating income to assets | 0.8948% | 2,905 |
| Return on assets (ROA) | 0.9202% | 2,909 |
| Pretax return on assets | 1.3781% | 2,071 |
| Return on Equity (ROE) | 6.9132% | 3,666 |
| Retained earnings to average equity (ytd only) | 0.1339% | 5,463 |
| Net charge-offs to loans | 0.0218% | 3,229 |
| Credit loss provision to net charge-offs | 28.5714% | 2,937 |
| Earnings coverage of net charge-offs (x) | 86.2143% | 665 |
| Efficiency ratio | 71.5933% | 3,055 |
| Assets per employee ($millions) | 2.6258% | 5,966 |
| Cash dividends to net income (ytd only)* | 98.0630% | 556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 4,683 |
| Loan loss allowance to noncurrent loans | 79.7746% | 4,217 |
| Noncurrent assets plus other real estate owned to assets | 1.1207% | 2,266 |
| Noncurrent loans to loans | 1.2983% | 2,068 |
| Net loans and leases to total assets | 71.9753% | 1,982 |
| Net loans and leases to deposits | 84.3315% | 2,273 |
| Net loans and leases to core deposits | 84.5140% | 2,928 |
| Total domestic deposits to total assets | 85.3481% | 2,991 |
| Equity capital to assets | 13.3901% | 1,219 |
| Core capital (leverage) ratio | 13.8806% | 877 |
| Tier 1 risk-based capital ratio | 18.4909% | 1,924 |
| Total risk-based capital ratio | 19.4763% | 1,965 |
| Memoranda: | ||
| Average total assets | $179,525,000 | 3,220 |
| Average earning assets | $169,627,670 | 3,170 |
| Average equity | $23,896,330 | 2,822 |
| Average total loans | $128,725,330 | 2,935 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2005% | 2,456 |
| Cost of funding earning assets | 0.1739% | 5,734 |
| Net interest margin | 4.0265% | 1,472 |
| Noninterest income to average assets | 0.8777% | 1,466 |
| Noninterest expense to average assets | 3.4754% | 1,364 |
| Loan and lease loss provision to assets | 0.0022% | 3,685 |
| Net operating income to assets | 0.7960% | 3,279 |
| Return on assets (ROA) | 0.8444% | 3,158 |
| Pretax return on assets | 1.2799% | 2,355 |
| Return on Equity (ROE) | 6.3625% | 3,846 |
| Retained earnings to average equity (ytd only) | -0.4186% | 5,458 |
| Net charge-offs to loans | 0.0375% | 2,460 |
| Credit loss provision to net charge-offs | 8.3333% | 2,440 |
| Earnings coverage of net charge-offs (x) | 45.3333% | 901 |
| Efficiency ratio | 74.1935% | 2,785 |
| Assets per employee ($millions) | 2.6746% | 5,988 |
| Cash dividends to net income (ytd only)* | 106.5789% | 619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0340% | 4,846 |
| Loan loss allowance to noncurrent loans | 62.0499% | 4,666 |
| Noncurrent assets plus other real estate owned to assets | 1.2008% | 2,231 |
| Noncurrent loans to loans | 1.6665% | 1,665 |
| Net loans and leases to total assets | 70.7253% | 2,033 |
| Net loans and leases to deposits | 82.7092% | 2,245 |
| Net loans and leases to core deposits | 83.0220% | 2,872 |
| Total domestic deposits to total assets | 85.5108% | 3,172 |
| Equity capital to assets | 13.1877% | 1,308 |
| Core capital (leverage) ratio | 14.1654% | 778 |
| Tier 1 risk-based capital ratio | 18.7877% | 1,922 |
| Total risk-based capital ratio | 19.7896% | 1,942 |
| Memoranda: | ||
| Average total assets | $180,009,000 | 3,231 |
| Average earning assets | $170,171,000 | 3,174 |
| Average equity | $23,890,000 | 2,837 |
| Average total loans | $128,157,000 | 2,945 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4280% | 2,131 |
| Cost of funding earning assets | 0.2047% | 5,705 |
| Net interest margin | 4.2233% | 1,234 |
| Noninterest income to average assets | 0.9886% | 1,239 |
| Noninterest expense to average assets | 3.3149% | 1,892 |
| Loan and lease loss provision to assets | 0.0143% | 4,325 |
| Net operating income to assets | 1.0987% | 1,982 |
| Return on assets (ROA) | 1.0991% | 2,035 |
| Pretax return on assets | 1.6520% | 1,093 |
| Return on Equity (ROE) | 8.0434% | 3,114 |
| Retained earnings to average equity (ytd only) | 1.2149% | 5,237 |
| Net charge-offs to loans | -0.0586% | 5,974 |
| Credit loss provision to net charge-offs | -33.3333% | 5,381 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.5556% | 4,142 |
| Assets per employee ($millions) | 2.5818% | 6,119 |
| Cash dividends to net income (ytd only)* | 84.8958% | 736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 4,676 |
| Loan loss allowance to noncurrent loans | 66.6012% | 4,616 |
| Noncurrent assets plus other real estate owned to assets | 1.4376% | 1,918 |
| Noncurrent loans to loans | 1.6115% | 1,819 |
| Net loans and leases to total assets | 70.1584% | 2,213 |
| Net loans and leases to deposits | 82.1241% | 2,453 |
| Net loans and leases to core deposits | 82.4410% | 3,054 |
| Total domestic deposits to total assets | 85.4298% | 3,113 |
| Equity capital to assets | 13.3572% | 1,208 |
| Core capital (leverage) ratio | 14.2037% | 769 |
| Tier 1 risk-based capital ratio | 20.2618% | 1,544 |
| Total risk-based capital ratio | 21.3509% | 1,549 |
| Memoranda: | ||
| Average total assets | $174,695,000 | 3,274 |
| Average earning assets | $165,130,200 | 3,214 |
| Average equity | $23,870,600 | 2,769 |
| Average total loans | $127,904,800 | 2,902 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4576% | 2,024 |
| Cost of funding earning assets | 0.2101% | 5,753 |
| Net interest margin | 4.2475% | 1,164 |
| Noninterest income to average assets | 0.9856% | 1,267 |
| Noninterest expense to average assets | 3.3641% | 1,756 |
| Loan and lease loss provision to assets | 0.0153% | 4,100 |
| Net operating income to assets | 1.0771% | 2,125 |
| Return on assets (ROA) | 1.0776% | 2,188 |
| Pretax return on assets | 1.6222% | 1,258 |
| Return on Equity (ROE) | 7.8415% | 3,292 |
| Retained earnings to average equity (ytd only) | 1.0046% | 5,483 |
| Net charge-offs to loans | -0.0831% | 6,083 |
| Credit loss provision to net charge-offs | -25.0000% | 5,291 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2699% | 3,995 |
| Assets per employee ($millions) | 2.6572% | 6,114 |
| Cash dividends to net income (ytd only)* | 87.1883% | 582 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0492% | 4,993 |
| Loan loss allowance to noncurrent loans | 85.3275% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 1.1524% | 2,643 |
| Noncurrent loans to loans | 1.2296% | 2,589 |
| Net loans and leases to total assets | 72.8687% | 1,700 |
| Net loans and leases to deposits | 85.3036% | 1,992 |
| Net loans and leases to core deposits | 85.6374% | 2,703 |
| Total domestic deposits to total assets | 85.4228% | 3,146 |
| Equity capital to assets | 13.8097% | 1,069 |
| Core capital (leverage) ratio | 14.5209% | 716 |
| Tier 1 risk-based capital ratio | 19.8376% | 1,712 |
| Total risk-based capital ratio | 20.9086% | 1,712 |
| Memoranda: | ||
| Average total assets | $173,832,750 | 3,309 |
| Average earning assets | $164,328,250 | 3,256 |
| Average equity | $23,889,500 | 2,771 |
| Average total loans | $128,296,250 | 2,906 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4914% | 1,857 |
| Cost of funding earning assets | 0.2122% | 5,810 |
| Net interest margin | 4.2791% | 1,070 |
| Noninterest income to average assets | 0.9866% | 1,240 |
| Noninterest expense to average assets | 3.4076% | 1,661 |
| Loan and lease loss provision to assets | 0.0127% | 4,003 |
| Net operating income to assets | 1.0666% | 2,045 |
| Return on assets (ROA) | 1.0674% | 2,126 |
| Pretax return on assets | 1.6155% | 1,213 |
| Return on Equity (ROE) | 7.7798% | 3,218 |
| Retained earnings to average equity (ytd only) | 0.8831% | 5,396 |
| Net charge-offs to loans | -0.1437% | 6,251 |
| Credit loss provision to net charge-offs | -11.9565% | 5,084 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6828% | 4,067 |
| Assets per employee ($millions) | 2.5803% | 6,230 |
| Cash dividends to net income (ytd only)* | 88.6486% | 717 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0668% | 5,034 |
| Loan loss allowance to noncurrent loans | 798.8235% | 623 |
| Noncurrent assets plus other real estate owned to assets | 0.3488% | 4,982 |
| Noncurrent loans to loans | 0.1335% | 5,607 |
| Net loans and leases to total assets | 72.8491% | 1,597 |
| Net loans and leases to deposits | 85.4804% | 1,869 |
| Net loans and leases to core deposits | 85.8200% | 2,531 |
| Total domestic deposits to total assets | 85.2231% | 3,399 |
| Equity capital to assets | 13.9526% | 986 |
| Core capital (leverage) ratio | 14.4055% | 731 |
| Tier 1 risk-based capital ratio | 20.6457% | 1,526 |
| Total risk-based capital ratio | 21.7654% | 1,533 |
| Memoranda: | ||
| Average total assets | $173,318,000 | 3,336 |
| Average earning assets | $163,959,000 | 3,270 |
| Average equity | $23,779,670 | 2,769 |
| Average total loans | $128,011,670 | 2,904 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5145% | 1,769 |
| Cost of funding earning assets | 0.2219% | 5,833 |
| Net interest margin | 4.2926% | 1,012 |
| Noninterest income to average assets | 0.9750% | 1,185 |
| Noninterest expense to average assets | 3.4252% | 1,637 |
| Loan and lease loss provision to assets | 0.0138% | 3,649 |
| Net operating income to assets | 1.0519% | 2,002 |
| Return on assets (ROA) | 1.0534% | 2,063 |
| Pretax return on assets | 1.5950% | 1,182 |
| Return on Equity (ROE) | 7.7428% | 3,067 |
| Retained earnings to average equity (ytd only) | 0.7116% | 5,305 |
| Net charge-offs to loans | -0.2773% | 6,462 |
| Credit loss provision to net charge-offs | -6.7416% | 4,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0715% | 4,168 |
| Assets per employee ($millions) | 2.5821% | 6,315 |
| Cash dividends to net income (ytd only)* | 90.8096% | 804 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0496% | 5,318 |
| Loan loss allowance to noncurrent loans | 5,007.4074% | 131 |
| Noncurrent assets plus other real estate owned to assets | 0.2626% | 5,395 |
| Noncurrent loans to loans | 0.0210% | 6,103 |
| Net loans and leases to total assets | 72.5961% | 1,480 |
| Net loans and leases to deposits | 84.7732% | 1,745 |
| Net loans and leases to core deposits | 85.1032% | 2,407 |
| Total domestic deposits to total assets | 85.6357% | 3,541 |
| Equity capital to assets | 13.5391% | 1,087 |
| Core capital (leverage) ratio | 14.5479% | 690 |
| Tier 1 risk-based capital ratio | 20.3397% | 1,633 |
| Total risk-based capital ratio | 21.4406% | 1,644 |
| Memoranda: | ||
| Average total assets | $173,538,000 | 3,357 |
| Average earning assets | $164,003,500 | 3,292 |
| Average equity | $23,609,000 | 2,784 |
| Average total loans | $128,368,500 | 2,906 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5693% | 1,964 |
| Cost of funding earning assets | 0.2699% | 5,833 |
| Net interest margin | 4.2994% | 1,108 |
| Noninterest income to average assets | 1.0599% | 1,254 |
| Noninterest expense to average assets | 3.6269% | 1,405 |
| Loan and lease loss provision to assets | 0.5897% | 428 |
| Net operating income to assets | 0.5848% | 4,339 |
| Return on assets (ROA) | 0.5937% | 4,405 |
| Pretax return on assets | 0.8828% | 3,833 |
| Return on Equity (ROE) | 4.4243% | 4,924 |
| Retained earnings to average equity (ytd only) | -2.5841% | 6,230 |
| Net charge-offs to loans | 0.7770% | 811 |
| Credit loss provision to net charge-offs | 105.6877% | 2,284 |
| Earnings coverage of net charge-offs (x) | 2.6153% | 4,126 |
| Efficiency ratio | 71.3103% | 3,608 |
| Assets per employee ($millions) | 2.4854% | 6,410 |
| Cash dividends to net income (ytd only)* | 158.4062% | 139 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9819% | 5,649 |
| Loan loss allowance to noncurrent loans | 95.4407% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 1.4945% | 2,481 |
| Noncurrent loans to loans | 1.0288% | 3,457 |
| Net loans and leases to total assets | 73.8587% | 1,370 |
| Net loans and leases to deposits | 86.3275% | 1,643 |
| Net loans and leases to core deposits | 86.6831% | 2,382 |
| Total domestic deposits to total assets | 85.5564% | 3,483 |
| Equity capital to assets | 13.6715% | 1,000 |
| Core capital (leverage) ratio | 14.3923% | 719 |
| Tier 1 risk-based capital ratio | 20.3755% | 1,570 |
| Total risk-based capital ratio | 21.4018% | 1,586 |
| Memoranda: | ||
| Average total assets | $173,315,600 | 3,360 |
| Average earning assets | $162,300,200 | 3,311 |
| Average equity | $23,257,800 | 2,794 |
| Average total loans | $124,452,600 | 2,952 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5691% | 1,979 |
| Cost of funding earning assets | 0.2806% | 5,883 |
| Net interest margin | 4.2885% | 1,119 |
| Noninterest income to average assets | 1.0473% | 1,329 |
| Noninterest expense to average assets | 3.6530% | 1,320 |
| Loan and lease loss provision to assets | 0.7297% | 297 |
| Net operating income to assets | 0.4508% | 5,026 |
| Return on assets (ROA) | 0.4627% | 5,112 |
| Pretax return on assets | 0.6921% | 4,714 |
| Return on Equity (ROE) | 3.4638% | 5,452 |
| Retained earnings to average equity (ytd only) | -3.5730% | 6,400 |
| Net charge-offs to loans | 1.0292% | 550 |
| Credit loss provision to net charge-offs | 99.6855% | 2,392 |
| Earnings coverage of net charge-offs (x) | 1.9182% | 4,187 |
| Efficiency ratio | 72.2349% | 3,362 |
| Assets per employee ($millions) | 2.4679% | 6,499 |
| Cash dividends to net income (ytd only)* | 203.1506% | 70 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9534% | 5,908 |
| Loan loss allowance to noncurrent loans | 76.1602% | 4,196 |
| Noncurrent assets plus other real estate owned to assets | 1.4541% | 2,769 |
| Noncurrent loans to loans | 1.2519% | 3,310 |
| Net loans and leases to total assets | 71.0239% | 1,774 |
| Net loans and leases to deposits | 83.1781% | 1,982 |
| Net loans and leases to core deposits | 83.5135% | 2,708 |
| Total domestic deposits to total assets | 85.3878% | 3,548 |
| Equity capital to assets | 12.9001% | 1,377 |
| Core capital (leverage) ratio | 14.5366% | 724 |
| Tier 1 risk-based capital ratio | 20.5315% | 1,595 |
| Total risk-based capital ratio | 21.5188% | 1,644 |
| Memoranda: | ||
| Average total assets | $173,770,750 | 3,378 |
| Average earning assets | $162,477,250 | 3,336 |
| Average equity | $23,210,750 | 2,823 |
| Average total loans | $123,585,750 | 2,987 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5141% | 2,149 |
| Cost of funding earning assets | 0.2890% | 5,911 |
| Net interest margin | 4.2251% | 1,208 |
| Noninterest income to average assets | 1.0422% | 1,403 |
| Noninterest expense to average assets | 3.6795% | 1,281 |
| Loan and lease loss provision to assets | 1.0203% | 181 |
| Net operating income to assets | 0.1998% | 5,889 |
| Return on assets (ROA) | 0.2181% | 5,975 |
| Pretax return on assets | 0.3174% | 5,826 |
| Return on Equity (ROE) | 1.6145% | 6,067 |
| Retained earnings to average equity (ytd only) | -5.3902% | 6,480 |
| Net charge-offs to loans | 1.4630% | 368 |
| Credit loss provision to net charge-offs | 98.3315% | 2,279 |
| Earnings coverage of net charge-offs (x) | 1.2636% | 4,121 |
| Efficiency ratio | 73.7280% | 3,182 |
| Assets per employee ($millions) | 2.5638% | 6,437 |
| Cash dividends to net income (ytd only)* | 433.8624% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9668% | 5,940 |
| Loan loss allowance to noncurrent loans | 66.2019% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 1.6184% | 2,685 |
| Noncurrent loans to loans | 1.4603% | 3,120 |
| Net loans and leases to total assets | 70.7878% | 1,750 |
| Net loans and leases to deposits | 83.1828% | 1,901 |
| Net loans and leases to core deposits | 83.5400% | 2,620 |
| Total domestic deposits to total assets | 85.0990% | 3,845 |
| Equity capital to assets | 13.1801% | 1,270 |
| Core capital (leverage) ratio | 14.3837% | 728 |
| Tier 1 risk-based capital ratio | 21.0297% | 1,486 |
| Total risk-based capital ratio | 22.0320% | 1,517 |
| Memoranda: | ||
| Average total assets | $173,286,330 | 3,406 |
| Average earning assets | $161,936,000 | 3,360 |
| Average equity | $23,413,000 | 2,829 |
| Average total loans | $122,898,000 | 3,004 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4483% | 2,354 |
| Cost of funding earning assets | 0.2970% | 5,989 |
| Net interest margin | 4.1512% | 1,320 |
| Noninterest income to average assets | 1.0067% | 1,444 |
| Noninterest expense to average assets | 3.6428% | 1,351 |
| Loan and lease loss provision to assets | 0.1471% | 2,407 |
| Net operating income to assets | 0.7286% | 3,548 |
| Return on assets (ROA) | 0.7286% | 3,684 |
| Pretax return on assets | 1.1032% | 2,940 |
| Return on Equity (ROE) | 5.3278% | 4,389 |
| Retained earnings to average equity (ytd only) | -1.6471% | 6,038 |
| Net charge-offs to loans | 0.0651% | 3,173 |
| Credit loss provision to net charge-offs | 320.0000% | 755 |
| Earnings coverage of net charge-offs (x) | 27.2000% | 1,014 |
| Efficiency ratio | 74.4481% | 3,185 |
| Assets per employee ($millions) | 2.4690% | 6,613 |
| Cash dividends to net income (ytd only)* | 130.9148% | 442 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0063% | 5,964 |
| Loan loss allowance to noncurrent loans | 58.4977% | 4,789 |
| Noncurrent assets plus other real estate owned to assets | 2.2203% | 2,101 |
| Noncurrent loans to loans | 1.7203% | 2,965 |
| Net loans and leases to total assets | 68.9515% | 1,850 |
| Net loans and leases to deposits | 81.2285% | 1,931 |
| Net loans and leases to core deposits | 81.7224% | 2,611 |
| Total domestic deposits to total assets | 84.8858% | 4,098 |
| Equity capital to assets | 13.3861% | 1,254 |
| Core capital (leverage) ratio | 14.6857% | 637 |
| Tier 1 risk-based capital ratio | 21.3784% | 1,454 |
| Total risk-based capital ratio | 22.4255% | 1,470 |
| Memoranda: | ||
| Average total assets | $174,042,500 | 3,434 |
| Average earning assets | $162,939,500 | 3,390 |
| Average equity | $23,799,500 | 2,823 |
| Average total loans | $122,956,000 | 3,026 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7785% | 2,278 |
| Cost of funding earning assets | 0.3699% | 6,108 |
| Net interest margin | 4.4086% | 1,146 |
| Noninterest income to average assets | 1.1682% | 1,150 |
| Noninterest expense to average assets | 3.5342% | 1,749 |
| Loan and lease loss provision to assets | 0.1628% | 3,581 |
| Net operating income to assets | 1.0395% | 2,169 |
| Return on assets (ROA) | 1.0780% | 2,205 |
| Pretax return on assets | 1.6347% | 1,296 |
| Return on Equity (ROE) | 7.6521% | 3,259 |
| Retained earnings to average equity (ytd only) | 0.8288% | 5,451 |
| Net charge-offs to loans | 0.0745% | 4,934 |
| Credit loss provision to net charge-offs | 303.2967% | 803 |
| Earnings coverage of net charge-offs (x) | 32.4066% | 953 |
| Efficiency ratio | 67.0208% | 4,325 |
| Assets per employee ($millions) | 2.3016% | 6,774 |
| Cash dividends to net income (ytd only)* | 89.1685% | 724 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9845% | 6,014 |
| Loan loss allowance to noncurrent loans | 81.7131% | 3,857 |
| Noncurrent assets plus other real estate owned to assets | 1.0152% | 4,004 |
| Noncurrent loans to loans | 1.2048% | 3,844 |
| Net loans and leases to total assets | 70.9796% | 1,654 |
| Net loans and leases to deposits | 84.1209% | 1,741 |
| Net loans and leases to core deposits | 84.6564% | 2,471 |
| Total domestic deposits to total assets | 84.3780% | 4,138 |
| Equity capital to assets | 13.9756% | 1,054 |
| Core capital (leverage) ratio | 15.0349% | 564 |
| Tier 1 risk-based capital ratio | 22.1113% | 1,246 |
| Total risk-based capital ratio | 23.1521% | 1,249 |
| Memoranda: | ||
| Average total assets | $169,571,600 | 3,462 |
| Average earning assets | $157,895,800 | 3,407 |
| Average equity | $23,889,000 | 2,754 |
| Average total loans | $122,097,400 | 3,034 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7945% | 2,413 |
| Cost of funding earning assets | 0.3805% | 6,226 |
| Net interest margin | 4.4140% | 1,177 |
| Noninterest income to average assets | 1.1547% | 1,146 |
| Noninterest expense to average assets | 3.5547% | 1,642 |
| Loan and lease loss provision to assets | 0.1574% | 3,549 |
| Net operating income to assets | 1.0170% | 2,418 |
| Return on assets (ROA) | 1.0398% | 2,538 |
| Pretax return on assets | 1.5774% | 1,651 |
| Return on Equity (ROE) | 7.3662% | 3,600 |
| Retained earnings to average equity (ytd only) | 0.5353% | 5,929 |
| Net charge-offs to loans | 0.0819% | 4,581 |
| Credit loss provision to net charge-offs | 266.6667% | 1,027 |
| Earnings coverage of net charge-offs (x) | 28.7993% | 1,132 |
| Efficiency ratio | 67.6453% | 4,141 |
| Assets per employee ($millions) | 2.3820% | 6,801 |
| Cash dividends to net income (ytd only)* | 92.7326% | 415 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9347% | 6,283 |
| Loan loss allowance to noncurrent loans | 94.6192% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 0.8656% | 4,562 |
| Noncurrent loans to loans | 0.9879% | 4,468 |
| Net loans and leases to total assets | 71.6263% | 1,618 |
| Net loans and leases to deposits | 85.0605% | 1,717 |
| Net loans and leases to core deposits | 85.6099% | 2,514 |
| Total domestic deposits to total assets | 84.2064% | 4,126 |
| Equity capital to assets | 14.2179% | 1,072 |
| Core capital (leverage) ratio | 15.1933% | 577 |
| Tier 1 risk-based capital ratio | 22.0354% | 1,326 |
| Total risk-based capital ratio | 23.0255% | 1,347 |
| Memoranda: | ||
| Average total assets | $169,385,000 | 3,500 |
| Average earning assets | $157,343,750 | 3,459 |
| Average equity | $23,910,500 | 2,781 |
| Average total loans | $122,098,500 | 3,075 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7808% | 2,582 |
| Cost of funding earning assets | 0.3896% | 6,329 |
| Net interest margin | 4.3912% | 1,226 |
| Noninterest income to average assets | 1.1093% | 1,165 |
| Noninterest expense to average assets | 3.5522% | 1,672 |
| Loan and lease loss provision to assets | 0.1617% | 3,494 |
| Net operating income to assets | 0.9665% | 2,596 |
| Return on assets (ROA) | 1.0008% | 2,678 |
| Pretax return on assets | 1.5177% | 1,806 |
| Return on Equity (ROE) | 7.1065% | 3,725 |
| Retained earnings to average equity (ytd only) | 0.2347% | 5,965 |
| Net charge-offs to loans | 0.1114% | 4,065 |
| Credit loss provision to net charge-offs | 201.4706% | 1,416 |
| Earnings coverage of net charge-offs (x) | 20.2794% | 1,395 |
| Efficiency ratio | 68.5805% | 4,024 |
| Assets per employee ($millions) | 2.4584% | 6,797 |
| Cash dividends to net income (ytd only)* | 96.6981% | 477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8890% | 6,491 |
| Loan loss allowance to noncurrent loans | 93.2990% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 0.8354% | 4,717 |
| Noncurrent loans to loans | 0.9528% | 4,600 |
| Net loans and leases to total assets | 71.3772% | 1,661 |
| Net loans and leases to deposits | 84.5632% | 1,780 |
| Net loans and leases to core deposits | 85.1023% | 2,545 |
| Total domestic deposits to total assets | 84.4070% | 4,138 |
| Equity capital to assets | 14.0791% | 1,066 |
| Core capital (leverage) ratio | 14.9605% | 607 |
| Tier 1 risk-based capital ratio | 21.9835% | 1,293 |
| Total risk-based capital ratio | 22.9248% | 1,331 |
| Memoranda: | ||
| Average total assets | $169,471,670 | 3,504 |
| Average earning assets | $157,087,330 | 3,479 |
| Average equity | $23,865,330 | 2,781 |
| Average total loans | $122,037,670 | 3,090 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7629% | 2,795 |
| Cost of funding earning assets | 0.4024% | 6,400 |
| Net interest margin | 4.3605% | 1,314 |
| Noninterest income to average assets | 1.0839% | 1,226 |
| Noninterest expense to average assets | 3.5420% | 1,677 |
| Loan and lease loss provision to assets | 0.1464% | 3,533 |
| Net operating income to assets | 0.9485% | 2,703 |
| Return on assets (ROA) | 0.9516% | 2,893 |
| Pretax return on assets | 1.4428% | 2,042 |
| Return on Equity (ROE) | 6.7569% | 3,916 |
| Retained earnings to average equity (ytd only) | -0.2012% | 6,028 |
| Net charge-offs to loans | -0.0164% | 6,110 |
| Credit loss provision to net charge-offs | -1,240.0000% | 5,954 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0926% | 3,965 |
| Assets per employee ($millions) | 2.5452% | 6,810 |
| Cash dividends to net income (ytd only)* | 102.9777% | 520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8890% | 6,564 |
| Loan loss allowance to noncurrent loans | 30.2514% | 6,158 |
| Noncurrent assets plus other real estate owned to assets | 2.6561% | 2,222 |
| Noncurrent loans to loans | 2.9388% | 2,195 |
| Net loans and leases to total assets | 69.7584% | 1,797 |
| Net loans and leases to deposits | 82.4028% | 1,876 |
| Net loans and leases to core deposits | 83.2431% | 2,646 |
| Total domestic deposits to total assets | 84.6553% | 4,184 |
| Equity capital to assets | 13.7720% | 1,104 |
| Core capital (leverage) ratio | 15.0801% | 588 |
| Tier 1 risk-based capital ratio | 22.0171% | 1,282 |
| Total risk-based capital ratio | 22.9585% | 1,309 |
| Memoranda: | ||
| Average total assets | $169,394,000 | 3,525 |
| Average earning assets | $157,046,500 | 3,491 |
| Average equity | $23,857,000 | 2,778 |
| Average total loans | $121,976,000 | 3,108 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1117% | 2,408 |
| Cost of funding earning assets | 0.5149% | 6,470 |
| Net interest margin | 4.5968% | 933 |
| Noninterest income to average assets | 1.1941% | 931 |
| Noninterest expense to average assets | 3.7179% | 1,504 |
| Loan and lease loss provision to assets | 0.1324% | 4,956 |
| Net operating income to assets | 1.0645% | 1,939 |
| Return on assets (ROA) | 1.0936% | 1,971 |
| Pretax return on assets | 1.6618% | 1,076 |
| Return on Equity (ROE) | 7.4334% | 3,181 |
| Retained earnings to average equity (ytd only) | 0.6625% | 5,537 |
| Net charge-offs to loans | 0.0600% | 5,701 |
| Credit loss provision to net charge-offs | 291.8919% | 813 |
| Earnings coverage of net charge-offs (x) | 38.5811% | 697 |
| Efficiency ratio | 67.9933% | 4,360 |
| Assets per employee ($millions) | 2.3673% | 6,947 |
| Cash dividends to net income (ytd only)* | 91.0874% | 501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8327% | 6,677 |
| Loan loss allowance to noncurrent loans | 620.1220% | 579 |
| Noncurrent assets plus other real estate owned to assets | 0.9299% | 4,747 |
| Noncurrent loans to loans | 0.1343% | 6,474 |
| Net loans and leases to total assets | 73.0889% | 1,436 |
| Net loans and leases to deposits | 87.0150% | 1,522 |
| Net loans and leases to core deposits | 87.7844% | 2,399 |
| Total domestic deposits to total assets | 83.9957% | 4,317 |
| Equity capital to assets | 14.4093% | 927 |
| Core capital (leverage) ratio | 15.3546% | 547 |
| Tier 1 risk-based capital ratio | 21.9309% | 1,244 |
| Total risk-based capital ratio | 22.8111% | 1,277 |
| Memoranda: | ||
| Average total assets | $163,131,800 | 3,587 |
| Average earning assets | $151,670,200 | 3,558 |
| Average equity | $23,999,800 | 2,668 |
| Average total loans | $123,320,000 | 3,115 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1319% | 2,466 |
| Cost of funding earning assets | 0.5387% | 6,549 |
| Net interest margin | 4.5932% | 962 |
| Noninterest income to average assets | 1.1611% | 974 |
| Noninterest expense to average assets | 3.7532% | 1,391 |
| Loan and lease loss provision to assets | 0.1313% | 4,787 |
| Net operating income to assets | 1.0252% | 2,233 |
| Return on assets (ROA) | 1.0544% | 2,264 |
| Pretax return on assets | 1.5960% | 1,397 |
| Return on Equity (ROE) | 7.1297% | 3,465 |
| Retained earnings to average equity (ytd only) | 0.3606% | 5,846 |
| Net charge-offs to loans | 0.0324% | 5,696 |
| Credit loss provision to net charge-offs | 533.3333% | 520 |
| Earnings coverage of net charge-offs (x) | 68.3650% | 481 |
| Efficiency ratio | 69.0415% | 4,118 |
| Assets per employee ($millions) | 2.2882% | 7,085 |
| Cash dividends to net income (ytd only)* | 94.9419% | 357 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8112% | 6,802 |
| Loan loss allowance to noncurrent loans | 56.9083% | 4,601 |
| Noncurrent assets plus other real estate owned to assets | 1.2637% | 4,271 |
| Noncurrent loans to loans | 1.4254% | 4,153 |
| Net loans and leases to total assets | 74.5901% | 1,219 |
| Net loans and leases to deposits | 88.7406% | 1,349 |
| Net loans and leases to core deposits | 89.5339% | 2,308 |
| Total domestic deposits to total assets | 84.0541% | 4,201 |
| Equity capital to assets | 14.6542% | 948 |
| Core capital (leverage) ratio | 15.5067% | 576 |
| Tier 1 risk-based capital ratio | 21.8819% | 1,311 |
| Total risk-based capital ratio | 22.7530% | 1,343 |
| Memoranda: | ||
| Average total assets | $162,486,750 | 3,631 |
| Average earning assets | $151,233,250 | 3,582 |
| Average equity | $24,030,250 | 2,669 |
| Average total loans | $123,616,500 | 3,133 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1529% | 2,448 |
| Cost of funding earning assets | 0.5643% | 6,611 |
| Net interest margin | 4.5886% | 926 |
| Noninterest income to average assets | 1.1167% | 1,039 |
| Noninterest expense to average assets | 3.8174% | 1,325 |
| Loan and lease loss provision to assets | 0.1237% | 4,741 |
| Net operating income to assets | 0.9581% | 2,403 |
| Return on assets (ROA) | 0.9695% | 2,457 |
| Pretax return on assets | 1.4666% | 1,626 |
| Return on Equity (ROE) | 6.5353% | 3,684 |
| Retained earnings to average equity (ytd only) | -0.2584% | 5,894 |
| Net charge-offs to loans | 0.0389% | 5,308 |
| Credit loss provision to net charge-offs | 416.6667% | 722 |
| Earnings coverage of net charge-offs (x) | 53.0000% | 598 |
| Efficiency ratio | 70.8190% | 3,960 |
| Assets per employee ($millions) | 2.2571% | 7,149 |
| Cash dividends to net income (ytd only)* | 103.9541% | 424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7762% | 6,911 |
| Loan loss allowance to noncurrent loans | 43.3911% | 5,435 |
| Noncurrent assets plus other real estate owned to assets | 1.4990% | 3,953 |
| Noncurrent loans to loans | 1.7889% | 3,771 |
| Net loans and leases to total assets | 74.8825% | 1,254 |
| Net loans and leases to deposits | 89.2688% | 1,347 |
| Net loans and leases to core deposits | 90.4135% | 2,318 |
| Total domestic deposits to total assets | 83.8843% | 4,400 |
| Equity capital to assets | 14.8346% | 854 |
| Core capital (leverage) ratio | 15.3929% | 607 |
| Tier 1 risk-based capital ratio | 21.9622% | 1,263 |
| Total risk-based capital ratio | 22.7936% | 1,299 |
| Memoranda: | ||
| Average total assets | $161,732,000 | 3,658 |
| Average earning assets | $150,634,670 | 3,619 |
| Average equity | $23,992,670 | 2,662 |
| Average total loans | $123,524,330 | 3,156 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1440% | 2,458 |
| Cost of funding earning assets | 0.5908% | 6,648 |
| Net interest margin | 4.5532% | 954 |
| Noninterest income to average assets | 1.0214% | 1,265 |
| Noninterest expense to average assets | 3.8428% | 1,265 |
| Loan and lease loss provision to assets | 0.1091% | 4,651 |
| Net operating income to assets | 0.8702% | 2,704 |
| Return on assets (ROA) | 0.8702% | 2,760 |
| Pretax return on assets | 1.3115% | 2,008 |
| Return on Equity (ROE) | 5.8659% | 3,979 |
| Retained earnings to average equity (ytd only) | -0.9860% | 5,983 |
| Net charge-offs to loans | 0.0129% | 4,902 |
| Credit loss provision to net charge-offs | 1,100.0000% | 345 |
| Earnings coverage of net charge-offs (x) | 143.2500% | 216 |
| Efficiency ratio | 73.0099% | 3,682 |
| Assets per employee ($millions) | 2.1989% | 7,256 |
| Cash dividends to net income (ytd only)* | 116.8091% | 483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7362% | 7,028 |
| Loan loss allowance to noncurrent loans | 51.1173% | 4,947 |
| Noncurrent assets plus other real estate owned to assets | 1.2321% | 4,489 |
| Noncurrent loans to loans | 1.4402% | 4,311 |
| Net loans and leases to total assets | 74.8054% | 1,222 |
| Net loans and leases to deposits | 88.8928% | 1,366 |
| Net loans and leases to core deposits | 89.6779% | 2,383 |
| Total domestic deposits to total assets | 84.1523% | 4,429 |
| Equity capital to assets | 14.4979% | 879 |
| Core capital (leverage) ratio | 15.6397% | 558 |
| Tier 1 risk-based capital ratio | 21.5822% | 1,303 |
| Total risk-based capital ratio | 22.3684% | 1,342 |
| Memoranda: | ||
| Average total assets | $161,342,000 | 3,684 |
| Average earning assets | $150,312,000 | 3,634 |
| Average equity | $23,935,000 | 2,647 |
| Average total loans | $123,964,000 | 3,182 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4515% | 2,472 |
| Cost of funding earning assets | 0.7149% | 6,838 |
| Net interest margin | 4.7366% | 753 |
| Noninterest income to average assets | 1.1372% | 1,140 |
| Noninterest expense to average assets | 3.7593% | 1,564 |
| Loan and lease loss provision to assets | 0.0618% | 6,526 |
| Net operating income to assets | 1.1391% | 1,579 |
| Return on assets (ROA) | 1.1391% | 1,660 |
| Pretax return on assets | 1.7316% | 888 |
| Return on Equity (ROE) | 7.3253% | 2,964 |
| Retained earnings to average equity (ytd only) | 0.5756% | 5,292 |
| Net charge-offs to loans | 0.0933% | 5,913 |
| Credit loss provision to net charge-offs | 85.7143% | 5,304 |
| Earnings coverage of net charge-offs (x) | 24.8661% | 847 |
| Efficiency ratio | 67.7027% | 4,625 |
| Assets per employee ($millions) | 2.0226% | 7,410 |
| Cash dividends to net income (ytd only)* | 92.1425% | 522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7077% | 7,128 |
| Loan loss allowance to noncurrent loans | 68.5200% | 3,978 |
| Noncurrent assets plus other real estate owned to assets | 0.8601% | 5,293 |
| Noncurrent loans to loans | 1.0328% | 5,004 |
| Net loans and leases to total assets | 77.8181% | 974 |
| Net loans and leases to deposits | 93.1508% | 1,130 |
| Net loans and leases to core deposits | 94.0132% | 2,251 |
| Total domestic deposits to total assets | 83.5400% | 4,585 |
| Equity capital to assets | 15.1872% | 746 |
| Core capital (leverage) ratio | 15.9672% | 516 |
| Tier 1 risk-based capital ratio | 21.7071% | 1,219 |
| Total risk-based capital ratio | 22.4614% | 1,265 |
| Memoranda: | ||
| Average total assets | $155,293,000 | 3,788 |
| Average earning assets | $144,767,800 | 3,730 |
| Average equity | $24,149,200 | 2,645 |
| Average total loans | $119,994,400 | 3,315 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4648% | 2,585 |
| Cost of funding earning assets | 0.7265% | 6,988 |
| Net interest margin | 4.7382% | 767 |
| Noninterest income to average assets | 1.1611% | 1,035 |
| Noninterest expense to average assets | 3.6454% | 1,682 |
| Loan and lease loss provision to assets | 0.0552% | 6,517 |
| Net operating income to assets | 1.2396% | 1,490 |
| Return on assets (ROA) | 1.2396% | 1,570 |
| Pretax return on assets | 1.8792% | 799 |
| Return on Equity (ROE) | 7.9238% | 2,943 |
| Retained earnings to average equity (ytd only) | 1.1737% | 5,348 |
| Net charge-offs to loans | 0.1198% | 5,351 |
| Credit loss provision to net charge-offs | 59.8131% | 5,692 |
| Earnings coverage of net charge-offs (x) | 20.9725% | 1,148 |
| Efficiency ratio | 65.3329% | 4,996 |
| Assets per employee ($millions) | 2.2186% | 7,371 |
| Cash dividends to net income (ytd only)* | 85.1874% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6863% | 7,215 |
| Loan loss allowance to noncurrent loans | 557.8947% | 557 |
| Noncurrent assets plus other real estate owned to assets | 0.2438% | 6,755 |
| Noncurrent loans to loans | 0.1230% | 6,937 |
| Net loans and leases to total assets | 77.8972% | 1,051 |
| Net loans and leases to deposits | 93.5594% | 1,252 |
| Net loans and leases to core deposits | 94.4350% | 2,468 |
| Total domestic deposits to total assets | 83.2596% | 4,479 |
| Equity capital to assets | 15.4473% | 780 |
| Core capital (leverage) ratio | 16.1207% | 540 |
| Tier 1 risk-based capital ratio | 21.6889% | 1,256 |
| Total risk-based capital ratio | 22.4172% | 1,311 |
| Memoranda: | ||
| Average total assets | $154,675,250 | 3,848 |
| Average earning assets | $144,241,750 | 3,785 |
| Average equity | $24,196,500 | 2,685 |
| Average total loans | $119,082,000 | 3,385 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4797% | 2,615 |
| Cost of funding earning assets | 0.7281% | 7,128 |
| Net interest margin | 4.7516% | 723 |
| Noninterest income to average assets | 1.1826% | 923 |
| Noninterest expense to average assets | 3.6806% | 1,592 |
| Loan and lease loss provision to assets | 0.0338% | 6,615 |
| Net operating income to assets | 1.2477% | 1,430 |
| Return on assets (ROA) | 1.2477% | 1,493 |
| Pretax return on assets | 1.8917% | 744 |
| Return on Equity (ROE) | 7.9417% | 2,906 |
| Retained earnings to average equity (ytd only) | 1.1511% | 5,295 |
| Net charge-offs to loans | 0.1667% | 4,615 |
| Credit loss provision to net charge-offs | 26.5306% | 5,787 |
| Earnings coverage of net charge-offs (x) | 15.1020% | 1,475 |
| Efficiency ratio | 65.6533% | 5,042 |
| Assets per employee ($millions) | 2.1916% | 7,445 |
| Cash dividends to net income (ytd only)* | 85.5057% | 652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6776% | 7,291 |
| Loan loss allowance to noncurrent loans | 34.6887% | 6,051 |
| Noncurrent assets plus other real estate owned to assets | 1.6157% | 4,021 |
| Noncurrent loans to loans | 1.9532% | 3,783 |
| Net loans and leases to total assets | 77.1565% | 1,264 |
| Net loans and leases to deposits | 92.8027% | 1,418 |
| Net loans and leases to core deposits | 93.8693% | 2,736 |
| Total domestic deposits to total assets | 83.1403% | 4,509 |
| Equity capital to assets | 15.6084% | 746 |
| Core capital (leverage) ratio | 16.2079% | 539 |
| Tier 1 risk-based capital ratio | 22.0197% | 1,196 |
| Total risk-based capital ratio | 22.7359% | 1,250 |
| Memoranda: | ||
| Average total assets | $153,726,000 | 3,889 |
| Average earning assets | $143,109,670 | 3,837 |
| Average equity | $24,151,000 | 2,678 |
| Average total loans | $117,591,330 | 3,446 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4453% | 2,837 |
| Cost of funding earning assets | 0.7350% | 7,259 |
| Net interest margin | 4.7103% | 766 |
| Noninterest income to average assets | 1.1493% | 942 |
| Noninterest expense to average assets | 3.7202% | 1,479 |
| Loan and lease loss provision to assets | 0.0131% | 6,486 |
| Net operating income to assets | 1.1938% | 1,557 |
| Return on assets (ROA) | 1.1938% | 1,631 |
| Pretax return on assets | 1.8117% | 859 |
| Return on Equity (ROE) | 7.5738% | 3,079 |
| Retained earnings to average equity (ytd only) | 0.8471% | 5,477 |
| Net charge-offs to loans | 0.2380% | 3,512 |
| Credit loss provision to net charge-offs | 7.2464% | 5,080 |
| Earnings coverage of net charge-offs (x) | 10.1014% | 1,780 |
| Efficiency ratio | 67.0916% | 4,899 |
| Assets per employee ($millions) | 2.1403% | 7,584 |
| Cash dividends to net income (ytd only)* | 88.8158% | 709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7043% | 7,329 |
| Loan loss allowance to noncurrent loans | 67.3453% | 3,990 |
| Noncurrent assets plus other real estate owned to assets | 0.8962% | 5,371 |
| Noncurrent loans to loans | 1.0459% | 5,253 |
| Net loans and leases to total assets | 75.6590% | 1,612 |
| Net loans and leases to deposits | 91.0396% | 1,754 |
| Net loans and leases to core deposits | 92.0946% | 3,094 |
| Total domestic deposits to total assets | 83.1056% | 4,569 |
| Equity capital to assets | 15.6413% | 732 |
| Core capital (leverage) ratio | 15.9109% | 597 |
| Tier 1 risk-based capital ratio | 21.6424% | 1,247 |
| Total risk-based capital ratio | 22.3846% | 1,298 |
| Memoranda: | ||
| Average total assets | $152,788,000 | 3,968 |
| Average earning assets | $142,582,500 | 3,902 |
| Average equity | $24,083,000 | 2,712 |
| Average total loans | $115,949,000 | 3,544 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6882% | 3,168 |
| Cost of funding earning assets | 0.9363% | 7,334 |
| Net interest margin | 4.7520% | 760 |
| Noninterest income to average assets | 1.2844% | 914 |
| Noninterest expense to average assets | 3.8074% | 1,687 |
| Loan and lease loss provision to assets | 0.0199% | 7,304 |
| Net operating income to assets | 1.2391% | 1,156 |
| Return on assets (ROA) | 1.2658% | 1,158 |
| Pretax return on assets | 1.9223% | 485 |
| Return on Equity (ROE) | 8.0922% | 2,330 |
| Retained earnings to average equity (ytd only) | 1.1894% | 4,213 |
| Net charge-offs to loans | 0.0419% | 6,690 |
| Credit loss provision to net charge-offs | 63.8298% | 6,584 |
| Earnings coverage of net charge-offs (x) | 60.8936% | 446 |
| Efficiency ratio | 66.6899% | 5,250 |
| Assets per employee ($millions) | 2.0750% | 7,684 |
| Cash dividends to net income (ytd only)* | 85.3018% | 993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7783% | 7,192 |
| Loan loss allowance to noncurrent loans | 255.3009% | 1,184 |
| Noncurrent assets plus other real estate owned to assets | 0.3486% | 6,568 |
| Noncurrent loans to loans | 0.3049% | 6,669 |
| Net loans and leases to total assets | 74.9884% | 2,035 |
| Net loans and leases to deposits | 90.4063% | 2,159 |
| Net loans and leases to core deposits | 99.3423% | 4,068 |
| Total domestic deposits to total assets | 82.9460% | 4,541 |
| Equity capital to assets | 15.8855% | 716 |
| Core capital (leverage) ratio | 16.6515% | 533 |
| Tier 1 risk-based capital ratio | 22.6817% | 1,076 |
| Total risk-based capital ratio | 23.4891% | 1,100 |
| Memoranda: | ||
| Average total assets | $150,496,800 | 3,950 |
| Average earning assets | $140,131,200 | 3,900 |
| Average equity | $23,541,200 | 2,784 |
| Average total loans | $112,238,800 | 3,645 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7031% | 3,326 |
| Cost of funding earning assets | 0.9799% | 7,431 |
| Net interest margin | 4.7232% | 800 |
| Noninterest income to average assets | 1.2583% | 978 |
| Noninterest expense to average assets | 3.9160% | 1,405 |
| Loan and lease loss provision to assets | 0.0266% | 7,089 |
| Net operating income to assets | 1.1301% | 1,637 |
| Return on assets (ROA) | 1.1483% | 1,662 |
| Pretax return on assets | 1.7401% | 898 |
| Return on Equity (ROE) | 7.3696% | 2,922 |
| Retained earnings to average equity (ytd only) | 0.4214% | 5,024 |
| Net charge-offs to loans | 0.0501% | 6,217 |
| Credit loss provision to net charge-offs | 71.4286% | 5,952 |
| Earnings coverage of net charge-offs (x) | 46.6655% | 670 |
| Efficiency ratio | 69.2453% | 4,732 |
| Assets per employee ($millions) | 2.0556% | 7,753 |
| Cash dividends to net income (ytd only)* | 94.2815% | 672 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7681% | 7,209 |
| Loan loss allowance to noncurrent loans | 780.1802% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.1933% | 7,048 |
| Noncurrent loans to loans | 0.0984% | 7,236 |
| Net loans and leases to total assets | 74.5583% | 2,359 |
| Net loans and leases to deposits | 90.4953% | 2,482 |
| Net loans and leases to core deposits | 99.1255% | 4,471 |
| Total domestic deposits to total assets | 82.3892% | 4,505 |
| Equity capital to assets | 15.6583% | 861 |
| Core capital (leverage) ratio | 16.7793% | 584 |
| Tier 1 risk-based capital ratio | 22.2188% | 1,198 |
| Total risk-based capital ratio | 22.9939% | 1,239 |
| Memoranda: | ||
| Average total assets | $150,251,500 | 3,978 |
| Average earning assets | $139,872,750 | 3,927 |
| Average equity | $23,410,750 | 2,816 |
| Average total loans | $111,678,000 | 3,703 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7495% | 3,296 |
| Cost of funding earning assets | 1.0409% | 7,476 |
| Net interest margin | 4.7086% | 788 |
| Noninterest income to average assets | 1.1908% | 1,103 |
| Noninterest expense to average assets | 3.8732% | 1,531 |
| Loan and lease loss provision to assets | 0.0399% | 6,834 |
| Net operating income to assets | 1.0946% | 1,788 |
| Return on assets (ROA) | 1.0964% | 1,860 |
| Pretax return on assets | 1.6618% | 1,089 |
| Return on Equity (ROE) | 7.0482% | 3,186 |
| Retained earnings to average equity (ytd only) | 0.0770% | 5,173 |
| Net charge-offs to loans | 0.0198% | 6,241 |
| Credit loss provision to net charge-offs | 272.7273% | 1,712 |
| Earnings coverage of net charge-offs (x) | 116.0909% | 331 |
| Efficiency ratio | 69.5081% | 4,875 |
| Assets per employee ($millions) | 2.0527% | 7,817 |
| Cash dividends to net income (ytd only)* | 98.9078% | 735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8095% | 7,117 |
| Loan loss allowance to noncurrent loans | 523.9766% | 635 |
| Noncurrent assets plus other real estate owned to assets | 0.2336% | 6,916 |
| Noncurrent loans to loans | 0.1545% | 7,139 |
| Net loans and leases to total assets | 73.2695% | 2,893 |
| Net loans and leases to deposits | 88.7917% | 3,036 |
| Net loans and leases to core deposits | 96.9602% | 4,796 |
| Total domestic deposits to total assets | 82.5185% | 4,468 |
| Equity capital to assets | 15.6142% | 903 |
| Core capital (leverage) ratio | 16.4559% | 684 |
| Tier 1 risk-based capital ratio | 22.4418% | 1,193 |
| Total risk-based capital ratio | 23.2545% | 1,228 |
| Memoranda: | ||
| Average total assets | $150,315,000 | 3,984 |
| Average earning assets | $139,872,670 | 3,949 |
| Average equity | $23,382,000 | 2,826 |
| Average total loans | $111,321,000 | 3,734 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7787% | 3,408 |
| Cost of funding earning assets | 1.1472% | 7,425 |
| Net interest margin | 4.6315% | 891 |
| Noninterest income to average assets | 1.1398% | 1,136 |
| Noninterest expense to average assets | 3.8366% | 1,407 |
| Loan and lease loss provision to assets | 0.0797% | 5,955 |
| Net operating income to assets | 1.0141% | 2,250 |
| Return on assets (ROA) | 1.0176% | 2,376 |
| Pretax return on assets | 1.5410% | 1,560 |
| Return on Equity (ROE) | 6.5542% | 3,800 |
| Retained earnings to average equity (ytd only) | -0.4620% | 5,755 |
| Net charge-offs to loans | -0.0036% | 7,150 |
| Credit loss provision to net charge-offs | -3,000.0000% | 6,674 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3704% | 4,499 |
| Assets per employee ($millions) | 2.1114% | 7,799 |
| Cash dividends to net income (ytd only)* | 107.0496% | 689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8176% | 7,094 |
| Loan loss allowance to noncurrent loans | 284.0625% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.3282% | 6,531 |
| Noncurrent loans to loans | 0.2878% | 6,719 |
| Net loans and leases to total assets | 72.5380% | 3,113 |
| Net loans and leases to deposits | 87.5801% | 3,362 |
| Net loans and leases to core deposits | 96.2427% | 4,940 |
| Total domestic deposits to total assets | 82.8247% | 4,231 |
| Equity capital to assets | 15.3670% | 993 |
| Core capital (leverage) ratio | 16.6321% | 696 |
| Tier 1 risk-based capital ratio | 22.6323% | 1,226 |
| Total risk-based capital ratio | 23.4644% | 1,241 |
| Memoranda: | ||
| Average total assets | $150,550,500 | 4,000 |
| Average earning assets | $140,170,500 | 3,952 |
| Average equity | $23,374,500 | 2,836 |
| Average total loans | $111,638,500 | 3,748 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4788% | 3,070 |
| Cost of funding earning assets | 1.5499% | 7,535 |
| Net interest margin | 4.9289% | 600 |
| Noninterest income to average assets | 1.2445% | 959 |
| Noninterest expense to average assets | 3.5871% | 2,183 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.4678% | 1,079 |
| Return on assets (ROA) | 1.4696% | 1,038 |
| Pretax return on assets | 2.2231% | 374 |
| Return on Equity (ROE) | 9.0619% | 2,622 |
| Retained earnings to average equity (ytd only) | -2.5332% | 6,001 |
| Net charge-offs to loans | 0.0297% | 6,409 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | 103.8750% | 416 |
| Efficiency ratio | 61.7667% | 5,996 |
| Assets per employee ($millions) | 1.9616% | 7,946 |
| Cash dividends to net income (ytd only)* | 127.9545% | 605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7824% | 7,168 |
| Loan loss allowance to noncurrent loans | 144.2434% | 2,552 |
| Noncurrent assets plus other real estate owned to assets | 0.5279% | 5,594 |
| Noncurrent loans to loans | 0.5424% | 5,736 |
| Net loans and leases to total assets | 74.6029% | 2,967 |
| Net loans and leases to deposits | 90.4704% | 3,372 |
| Net loans and leases to core deposits | 99.9156% | 4,830 |
| Total domestic deposits to total assets | 82.4611% | 4,011 |
| Equity capital to assets | 15.6882% | 998 |
| Core capital (leverage) ratio | 16.7535% | 730 |
| Tier 1 risk-based capital ratio | 22.6617% | 1,229 |
| Total risk-based capital ratio | 23.4646% | 1,257 |
| Memoranda: | ||
| Average total assets | $149,703,600 | 3,902 |
| Average earning assets | $138,589,800 | 3,877 |
| Average equity | $24,277,400 | 2,709 |
| Average total loans | $107,789,000 | 3,743 |