Home > AltaPacific Bank > Performance and Condition Ratios
AltaPacific Bank, Performance and Condition Ratios
| 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 | 5.6156% | 478 |
| Cost of funding earning assets | 0.5786% | 3,782 |
| Net interest margin | 5.0370% | 269 |
| Noninterest income to average assets | 0.2289% | 4,367 |
| Noninterest expense to average assets | 3.1422% | 1,603 |
| Loan and lease loss provision to assets | 0.0283% | 3,341 |
| Net operating income to assets | 1.1305% | 2,455 |
| Return on assets (ROA) | 1.1305% | 2,543 |
| Pretax return on assets | 1.6472% | 1,479 |
| Return on Equity (ROE) | 8.2198% | 3,225 |
| Retained earnings to average equity (ytd only) | 2.7414% | 3,993 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5380% | 2,932 |
| Assets per employee ($millions) | 7.6293% | 800 |
| Cash dividends to net income (ytd only)* | 66.6482% | 1,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2610% | 2,168 |
| Loan loss allowance to noncurrent loans | 19,163.6364% | 50 |
| Noncurrent assets plus other real estate owned to assets | 0.0052% | 4,749 |
| Noncurrent loans to loans | 0.0066% | 4,657 |
| Net loans and leases to total assets | 78.6711% | 1,035 |
| Net loans and leases to deposits | 111.0919% | 202 |
| Net loans and leases to core deposits | 112.3559% | 829 |
| Total domestic deposits to total assets | 70.8163% | 4,962 |
| Equity capital to assets | 14.2679% | 1,052 |
| Core capital (leverage) ratio | 13.2971% | 1,215 |
| Tier 1 risk-based capital ratio | 15.0563% | 2,822 |
| Total risk-based capital ratio | 16.2079% | 2,801 |
| Memoranda: | ||
| Average total assets | $424,700,000 | 1,657 |
| Average earning assets | $386,912,250 | 1,687 |
| Average equity | $58,410,500 | 1,400 |
| Average total loans | $334,521,250 | 1,489 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6067% | 466 |
| Cost of funding earning assets | 0.5470% | 3,893 |
| Net interest margin | 5.0596% | 255 |
| Noninterest income to average assets | 0.2036% | 4,531 |
| Noninterest expense to average assets | 3.0713% | 1,810 |
| Loan and lease loss provision to assets | 0.0422% | 2,974 |
| Net operating income to assets | 1.2139% | 2,097 |
| Return on assets (ROA) | 1.2139% | 2,158 |
| Pretax return on assets | 1.7059% | 1,260 |
| Return on Equity (ROE) | 8.9358% | 2,879 |
| Retained earnings to average equity (ytd only) | 0.6491% | 4,524 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.0365% | 3,283 |
| Assets per employee ($millions) | 7.3564% | 861 |
| Cash dividends to net income (ytd only)* | 92.7357% | 558 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 2,283 |
| Loan loss allowance to noncurrent loans | 15,614.8148% | 55 |
| Noncurrent assets plus other real estate owned to assets | 0.0062% | 4,780 |
| Noncurrent loans to loans | 0.0080% | 4,688 |
| Net loans and leases to total assets | 77.0414% | 1,381 |
| Net loans and leases to deposits | 108.8236% | 248 |
| Net loans and leases to core deposits | 110.1892% | 967 |
| Total domestic deposits to total assets | 70.7948% | 5,021 |
| Equity capital to assets | 13.5285% | 1,307 |
| Core capital (leverage) ratio | 12.9553% | 1,316 |
| Tier 1 risk-based capital ratio | 14.6250% | 3,009 |
| Total risk-based capital ratio | 15.7660% | 2,981 |
| Memoranda: | ||
| Average total assets | $426,395,330 | 1,651 |
| Average earning assets | $389,000,330 | 1,684 |
| Average equity | $57,924,000 | 1,402 |
| Average total loans | $334,584,670 | 1,493 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6691% | 383 |
| Cost of funding earning assets | 0.4990% | 4,065 |
| Net interest margin | 5.1702% | 208 |
| Noninterest income to average assets | 0.1410% | 4,886 |
| Noninterest expense to average assets | 3.1776% | 1,551 |
| Loan and lease loss provision to assets | 0.0568% | 2,528 |
| Net operating income to assets | 1.1614% | 2,208 |
| Return on assets (ROA) | 1.1614% | 2,260 |
| Pretax return on assets | 1.6243% | 1,408 |
| Return on Equity (ROE) | 8.5316% | 3,026 |
| Retained earnings to average equity (ytd only) | -7.4608% | 5,018 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6795% | 3,135 |
| Assets per employee ($millions) | 7.3312% | 871 |
| Cash dividends to net income (ytd only)* | 187.4491% | 215 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 2,369 |
| Loan loss allowance to noncurrent loans | 13,081.2500% | 62 |
| Noncurrent assets plus other real estate owned to assets | 0.0539% | 4,552 |
| Noncurrent loans to loans | 0.0095% | 4,744 |
| Net loans and leases to total assets | 76.9164% | 1,328 |
| Net loans and leases to deposits | 101.7817% | 511 |
| Net loans and leases to core deposits | 102.8049% | 1,393 |
| Total domestic deposits to total assets | 75.5699% | 4,809 |
| Equity capital to assets | 13.2110% | 1,342 |
| Core capital (leverage) ratio | 12.8400% | 1,344 |
| Tier 1 risk-based capital ratio | 14.1347% | 3,282 |
| Total risk-based capital ratio | 15.2572% | 3,252 |
| Memoranda: | ||
| Average total assets | $422,580,500 | 1,674 |
| Average earning assets | $385,596,000 | 1,710 |
| Average equity | $57,527,500 | 1,407 |
| Average total loans | $332,579,500 | 1,509 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5629% | 349 |
| Cost of funding earning assets | 0.4229% | 3,837 |
| Net interest margin | 5.1400% | 208 |
| Noninterest income to average assets | 0.2428% | 4,467 |
| Noninterest expense to average assets | 3.0845% | 1,842 |
| Loan and lease loss provision to assets | 0.1044% | 2,102 |
| Net operating income to assets | 1.2509% | 1,969 |
| Return on assets (ROA) | 1.3291% | 1,678 |
| Pretax return on assets | 1.8641% | 786 |
| Return on Equity (ROE) | 9.4506% | 2,769 |
| Retained earnings to average equity (ytd only) | -5.9066% | 5,266 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5149% | 3,624 |
| Assets per employee ($millions) | 6.8770% | 1,034 |
| Cash dividends to net income (ytd only)* | 162.5000% | 80 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 2,264 |
| Loan loss allowance to noncurrent loans | 10,579.4872% | 88 |
| Noncurrent assets plus other real estate owned to assets | 0.0582% | 4,551 |
| Noncurrent loans to loans | 0.0119% | 4,749 |
| Net loans and leases to total assets | 78.5594% | 1,172 |
| Net loans and leases to deposits | 100.2524% | 721 |
| Net loans and leases to core deposits | 101.2706% | 1,628 |
| Total domestic deposits to total assets | 78.3617% | 4,432 |
| Equity capital to assets | 14.0352% | 963 |
| Core capital (leverage) ratio | 12.7698% | 1,330 |
| Tier 1 risk-based capital ratio | 14.5379% | 3,049 |
| Total risk-based capital ratio | 15.6567% | 3,026 |
| Memoranda: | ||
| Average total assets | $421,328,200 | 1,620 |
| Average earning assets | $386,184,800 | 1,641 |
| Average equity | $59,255,800 | 1,338 |
| Average total loans | $317,034,400 | 1,527 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5272% | 341 |
| Cost of funding earning assets | 0.4106% | 3,786 |
| Net interest margin | 5.1166% | 211 |
| Noninterest income to average assets | 0.2090% | 4,710 |
| Noninterest expense to average assets | 3.0821% | 1,810 |
| Loan and lease loss provision to assets | 0.1385% | 1,445 |
| Net operating income to assets | 1.1833% | 2,302 |
| Return on assets (ROA) | 1.2870% | 1,907 |
| Pretax return on assets | 1.8118% | 991 |
| Return on Equity (ROE) | 9.1465% | 3,023 |
| Retained earnings to average equity (ytd only) | -8.9764% | 5,378 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.1339% | 3,493 |
| Assets per employee ($millions) | 7.1510% | 880 |
| Cash dividends to net income (ytd only)* | 198.1409% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2801% | 2,197 |
| Loan loss allowance to noncurrent loans | 8,420.4082% | 104 |
| Noncurrent assets plus other real estate owned to assets | 0.0676% | 4,642 |
| Noncurrent loans to loans | 0.0152% | 4,845 |
| Net loans and leases to total assets | 74.1589% | 1,954 |
| Net loans and leases to deposits | 93.6748% | 1,411 |
| Net loans and leases to core deposits | 96.0350% | 2,112 |
| Total domestic deposits to total assets | 79.1664% | 4,287 |
| Equity capital to assets | 13.3382% | 1,195 |
| Core capital (leverage) ratio | 12.4780% | 1,516 |
| Tier 1 risk-based capital ratio | 14.5736% | 3,081 |
| Total risk-based capital ratio | 15.7079% | 3,064 |
| Memoranda: | ||
| Average total assets | $423,505,250 | 1,620 |
| Average earning assets | $388,374,500 | 1,639 |
| Average equity | $59,591,750 | 1,332 |
| Average total loans | $314,223,500 | 1,540 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4999% | 317 |
| Cost of funding earning assets | 0.3959% | 3,752 |
| Net interest margin | 5.1039% | 206 |
| Noninterest income to average assets | 0.1964% | 4,841 |
| Noninterest expense to average assets | 3.1343% | 1,708 |
| Loan and lease loss provision to assets | 0.2087% | 806 |
| Net operating income to assets | 1.0756% | 2,684 |
| Return on assets (ROA) | 1.2318% | 2,050 |
| Pretax return on assets | 1.7346% | 1,128 |
| Return on Equity (ROE) | 8.6023% | 3,211 |
| Retained earnings to average equity (ytd only) | -4.9785% | 5,289 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4623% | 3,392 |
| Assets per employee ($millions) | 7.3320% | 817 |
| Cash dividends to net income (ytd only)* | 157.8745% | 125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 2,395 |
| Loan loss allowance to noncurrent loans | 8,420.4082% | 101 |
| Noncurrent assets plus other real estate owned to assets | 0.0670% | 4,680 |
| Noncurrent loans to loans | 0.0149% | 4,880 |
| Net loans and leases to total assets | 74.9425% | 1,798 |
| Net loans and leases to deposits | 95.8269% | 1,161 |
| Net loans and leases to core deposits | 98.4423% | 1,862 |
| Total domestic deposits to total assets | 78.2061% | 4,548 |
| Equity capital to assets | 13.8115% | 982 |
| Core capital (leverage) ratio | 13.3335% | 1,123 |
| Tier 1 risk-based capital ratio | 14.7368% | 3,003 |
| Total risk-based capital ratio | 15.8354% | 2,996 |
| Memoranda: | ||
| Average total assets | $421,653,330 | 1,634 |
| Average earning assets | $386,919,000 | 1,649 |
| Average equity | $60,379,330 | 1,313 |
| Average total loans | $311,527,000 | 1,555 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0834% | 604 |
| Cost of funding earning assets | 0.3524% | 3,971 |
| Net interest margin | 4.7310% | 385 |
| Noninterest income to average assets | 0.1922% | 4,870 |
| Noninterest expense to average assets | 3.2726% | 1,400 |
| Loan and lease loss provision to assets | 0.1346% | 1,402 |
| Net operating income to assets | 0.7800% | 3,790 |
| Return on assets (ROA) | 1.0966% | 2,448 |
| Pretax return on assets | 1.5339% | 1,585 |
| Return on Equity (ROE) | 7.5195% | 3,580 |
| Retained earnings to average equity (ytd only) | -9.6152% | 5,358 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2320% | 2,308 |
| Assets per employee ($millions) | 6.9347% | 986 |
| Cash dividends to net income (ytd only)* | 227.8703% | 153 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 2,621 |
| Loan loss allowance to noncurrent loans | 8,897.6744% | 105 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 4,751 |
| Noncurrent loans to loans | 0.0138% | 4,935 |
| Net loans and leases to total assets | 73.7243% | 1,907 |
| Net loans and leases to deposits | 91.2825% | 1,525 |
| Net loans and leases to core deposits | 94.2637% | 2,115 |
| Total domestic deposits to total assets | 80.7650% | 4,255 |
| Equity capital to assets | 14.3756% | 801 |
| Core capital (leverage) ratio | 13.8280% | 910 |
| Tier 1 risk-based capital ratio | 16.0705% | 2,436 |
| Total risk-based capital ratio | 17.1850% | 2,445 |
| Memoranda: | ||
| Average total assets | $416,185,500 | 1,662 |
| Average earning assets | $382,502,000 | 1,685 |
| Average equity | $60,695,500 | 1,319 |
| Average total loans | $303,131,000 | 1,587 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5089% | 260 |
| Cost of funding earning assets | 0.3829% | 3,404 |
| Net interest margin | 5.1259% | 186 |
| Noninterest income to average assets | 0.5393% | 2,777 |
| Noninterest expense to average assets | 3.4356% | 1,145 |
| Loan and lease loss provision to assets | 0.0872% | 2,447 |
| Net operating income to assets | 1.0582% | 2,027 |
| Return on assets (ROA) | 1.0582% | 2,045 |
| Pretax return on assets | 1.7048% | 995 |
| Return on Equity (ROE) | 6.9405% | 3,311 |
| Retained earnings to average equity (ytd only) | 3.1827% | 3,397 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.9147% | 3,462 |
| Assets per employee ($millions) | 6.8244% | 1,050 |
| Cash dividends to net income (ytd only)* | 54.1431% | 2,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 2,493 |
| Loan loss allowance to noncurrent loans | 8,013.0435% | 124 |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 4,782 |
| Noncurrent loans to loans | 0.0156% | 4,962 |
| Net loans and leases to total assets | 70.1428% | 2,504 |
| Net loans and leases to deposits | 87.1053% | 2,116 |
| Net loans and leases to core deposits | 89.9078% | 2,576 |
| Total domestic deposits to total assets | 80.5264% | 4,241 |
| Equity capital to assets | 14.7918% | 721 |
| Core capital (leverage) ratio | 13.7222% | 906 |
| Tier 1 risk-based capital ratio | 16.5104% | 2,259 |
| Total risk-based capital ratio | 17.5869% | 2,260 |
| Memoranda: | ||
| Average total assets | $401,443,000 | 1,694 |
| Average earning assets | $367,171,800 | 1,724 |
| Average equity | $61,206,200 | 1,292 |
| Average total loans | $265,173,000 | 1,735 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2856% | 351 |
| Cost of funding earning assets | 0.3822% | 3,356 |
| Net interest margin | 4.9034% | 272 |
| Noninterest income to average assets | 0.6637% | 2,145 |
| Noninterest expense to average assets | 3.4498% | 1,069 |
| Loan and lease loss provision to assets | 0.0503% | 3,087 |
| Net operating income to assets | 1.2004% | 1,690 |
| Return on assets (ROA) | 1.2004% | 1,726 |
| Pretax return on assets | 1.6406% | 1,276 |
| Return on Equity (ROE) | 7.8126% | 3,227 |
| Retained earnings to average equity (ytd only) | 6.0673% | 2,188 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.2798% | 3,163 |
| Assets per employee ($millions) | 6.6890% | 1,078 |
| Cash dividends to net income (ytd only)* | 22.3401% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2964% | 2,369 |
| Loan loss allowance to noncurrent loans | 3,961.3636% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 4,854 |
| Noncurrent loans to loans | 0.0327% | 4,974 |
| Net loans and leases to total assets | 62.9826% | 3,552 |
| Net loans and leases to deposits | 77.9324% | 3,172 |
| Net loans and leases to core deposits | 81.1357% | 3,363 |
| Total domestic deposits to total assets | 80.8170% | 4,098 |
| Equity capital to assets | 14.8537% | 764 |
| Core capital (leverage) ratio | 14.1049% | 867 |
| Tier 1 risk-based capital ratio | 17.6081% | 1,972 |
| Total risk-based capital ratio | 18.6820% | 1,976 |
| Memoranda: | ||
| Average total assets | $397,731,000 | 1,723 |
| Average earning assets | $363,142,250 | 1,751 |
| Average equity | $61,113,500 | 1,300 |
| Average total loans | $257,545,250 | 1,781 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3256% | 318 |
| Cost of funding earning assets | 0.3835% | 3,255 |
| Net interest margin | 4.9420% | 242 |
| Noninterest income to average assets | 0.9142% | 1,232 |
| Noninterest expense to average assets | 3.6369% | 833 |
| Loan and lease loss provision to assets | 0.0770% | 2,443 |
| Net operating income to assets | 1.3518% | 1,173 |
| Return on assets (ROA) | 1.3518% | 1,199 |
| Pretax return on assets | 1.7022% | 1,053 |
| Return on Equity (ROE) | 8.6935% | 2,671 |
| Retained earnings to average equity (ytd only) | 6.7140% | 1,735 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3446% | 3,295 |
| Assets per employee ($millions) | 7.0219% | 923 |
| Cash dividends to net income (ytd only)* | 22.7704% | 3,012 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3237% | 2,301 |
| Loan loss allowance to noncurrent loans | 398.8558% | 1,255 |
| Noncurrent assets plus other real estate owned to assets | 0.2646% | 4,066 |
| Noncurrent loans to loans | 0.3319% | 3,852 |
| Net loans and leases to total assets | 61.6793% | 3,669 |
| Net loans and leases to deposits | 78.7428% | 3,043 |
| Net loans and leases to core deposits | 81.8918% | 3,261 |
| Total domestic deposits to total assets | 78.3301% | 4,761 |
| Equity capital to assets | 14.6675% | 774 |
| Core capital (leverage) ratio | 14.5193% | 738 |
| Tier 1 risk-based capital ratio | 17.6940% | 1,948 |
| Total risk-based capital ratio | 18.7885% | 1,946 |
| Memoranda: | ||
| Average total assets | $389,838,000 | 1,760 |
| Average earning assets | $355,116,670 | 1,788 |
| Average equity | $60,619,670 | 1,313 |
| Average total loans | $253,760,000 | 1,802 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3397% | 302 |
| Cost of funding earning assets | 0.3763% | 3,240 |
| Net interest margin | 4.9634% | 236 |
| Noninterest income to average assets | 0.2759% | 4,573 |
| Noninterest expense to average assets | 3.5531% | 970 |
| Loan and lease loss provision to assets | 0.0535% | 2,737 |
| Net operating income to assets | 0.6725% | 3,823 |
| Return on assets (ROA) | 0.6725% | 3,863 |
| Pretax return on assets | 1.1826% | 2,672 |
| Return on Equity (ROE) | 4.1911% | 4,713 |
| Retained earnings to average equity (ytd only) | 4.1911% | 3,361 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2306% | 2,369 |
| Assets per employee ($millions) | 6.8998% | 995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 2,640 |
| Loan loss allowance to noncurrent loans | 384.3360% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.2804% | 4,089 |
| Noncurrent loans to loans | 0.3327% | 3,916 |
| Net loans and leases to total assets | 65.3305% | 3,070 |
| Net loans and leases to deposits | 84.0881% | 2,274 |
| Net loans and leases to core deposits | 87.2720% | 2,614 |
| Total domestic deposits to total assets | 77.6928% | 5,010 |
| Equity capital to assets | 15.0868% | 639 |
| Core capital (leverage) ratio | 15.3547% | 546 |
| Tier 1 risk-based capital ratio | 17.3103% | 2,091 |
| Total risk-based capital ratio | 18.3786% | 2,091 |
| Memoranda: | ||
| Average total assets | $374,100,500 | 1,837 |
| Average earning assets | $340,170,500 | 1,869 |
| Average equity | $60,031,500 | 1,319 |
| Average total loans | $248,965,500 | 1,840 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1840% | 97 |
| Cost of funding earning assets | 0.3575% | 3,438 |
| Net interest margin | 5.8265% | 74 |
| Noninterest income to average assets | 0.3005% | 4,589 |
| Noninterest expense to average assets | 3.3837% | 1,395 |
| Loan and lease loss provision to assets | 0.0280% | 3,800 |
| Net operating income to assets | 1.2920% | 1,229 |
| Return on assets (ROA) | 1.2920% | 1,306 |
| Pretax return on assets | 2.1923% | 333 |
| Return on Equity (ROE) | 7.9867% | 2,942 |
| Retained earnings to average equity (ytd only) | 7.2424% | 1,140 |
| Net charge-offs to loans | -0.0004% | 4,631 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,496 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4663% | 4,666 |
| Assets per employee ($millions) | 6.0002% | 1,486 |
| Cash dividends to net income (ytd only)* | 9.3195% | 4,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4312% | 1,954 |
| Loan loss allowance to noncurrent loans | 1,456.7686% | 434 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 4,770 |
| Noncurrent loans to loans | 0.0982% | 4,845 |
| Net loans and leases to total assets | 66.0218% | 3,073 |
| Net loans and leases to deposits | 82.6691% | 2,589 |
| Net loans and leases to core deposits | 87.3823% | 2,741 |
| Total domestic deposits to total assets | 79.8627% | 4,603 |
| Equity capital to assets | 17.1509% | 369 |
| Core capital (leverage) ratio | 15.2728% | 568 |
| Tier 1 risk-based capital ratio | 19.1669% | 1,551 |
| Total risk-based capital ratio | 20.3445% | 1,535 |
| Memoranda: | ||
| Average total assets | $357,118,600 | 1,869 |
| Average earning assets | $325,066,000 | 1,896 |
| Average equity | $57,771,200 | 1,328 |
| Average total loans | $233,998,800 | 1,876 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2371% | 93 |
| Cost of funding earning assets | 0.3563% | 3,474 |
| Net interest margin | 5.8808% | 71 |
| Noninterest income to average assets | 0.3024% | 4,604 |
| Noninterest expense to average assets | 3.4294% | 1,288 |
| Loan and lease loss provision to assets | 0.0371% | 3,504 |
| Net operating income to assets | 1.3092% | 1,264 |
| Return on assets (ROA) | 1.3092% | 1,356 |
| Pretax return on assets | 2.1929% | 393 |
| Return on Equity (ROE) | 8.2127% | 2,900 |
| Retained earnings to average equity (ytd only) | 7.2120% | 1,522 |
| Net charge-offs to loans | -0.0006% | 4,421 |
| Credit loss provision to net charge-offs | -10,000.0000% | 5,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6985% | 4,586 |
| Assets per employee ($millions) | 7.1795% | 825 |
| Cash dividends to net income (ytd only)* | 12.1848% | 3,492 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3944% | 2,225 |
| Loan loss allowance to noncurrent loans | 1,425.6410% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.1501% | 4,840 |
| Noncurrent loans to loans | 0.0978% | 4,950 |
| Net loans and leases to total assets | 61.9988% | 3,636 |
| Net loans and leases to deposits | 79.2788% | 3,053 |
| Net loans and leases to core deposits | 83.6782% | 3,159 |
| Total domestic deposits to total assets | 78.2036% | 4,876 |
| Equity capital to assets | 15.5183% | 626 |
| Core capital (leverage) ratio | 15.0128% | 631 |
| Tier 1 risk-based capital ratio | 18.4541% | 1,799 |
| Total risk-based capital ratio | 19.6121% | 1,785 |
| Memoranda: | ||
| Average total assets | $359,395,500 | 1,862 |
| Average earning assets | $327,386,000 | 1,893 |
| Average equity | $57,292,250 | 1,348 |
| Average total loans | $234,223,750 | 1,875 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5911% | 73 |
| Cost of funding earning assets | 0.3649% | 3,407 |
| Net interest margin | 6.2262% | 62 |
| Noninterest income to average assets | 0.3264% | 4,448 |
| Noninterest expense to average assets | 3.8177% | 752 |
| Loan and lease loss provision to assets | 0.0568% | 3,003 |
| Net operating income to assets | 1.2476% | 1,436 |
| Return on assets (ROA) | 1.2476% | 1,543 |
| Pretax return on assets | 2.1087% | 463 |
| Return on Equity (ROE) | 7.7522% | 3,117 |
| Retained earnings to average equity (ytd only) | 6.2356% | 1,998 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9352% | 4,187 |
| Assets per employee ($millions) | 6.8101% | 946 |
| Cash dividends to net income (ytd only)* | 19.5632% | 3,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4352% | 2,131 |
| Loan loss allowance to noncurrent loans | 1,395.3975% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.1627% | 4,856 |
| Noncurrent loans to loans | 0.1029% | 5,033 |
| Net loans and leases to total assets | 64.6767% | 3,269 |
| Net loans and leases to deposits | 85.7213% | 2,283 |
| Net loans and leases to core deposits | 90.8344% | 2,453 |
| Total domestic deposits to total assets | 75.4500% | 5,357 |
| Equity capital to assets | 16.3013% | 502 |
| Core capital (leverage) ratio | 14.8467% | 636 |
| Tier 1 risk-based capital ratio | 18.3984% | 1,823 |
| Total risk-based capital ratio | 19.5825% | 1,802 |
| Memoranda: | ||
| Average total assets | $352,356,670 | 1,901 |
| Average earning assets | $320,130,330 | 1,929 |
| Average equity | $56,706,670 | 1,364 |
| Average total loans | $232,548,670 | 1,891 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8480% | 149 |
| Cost of funding earning assets | 0.3661% | 3,439 |
| Net interest margin | 5.4818% | 121 |
| Noninterest income to average assets | 0.3630% | 4,122 |
| Noninterest expense to average assets | 3.4108% | 1,359 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1483% | 1,717 |
| Return on assets (ROA) | 1.1483% | 1,830 |
| Pretax return on assets | 1.9279% | 659 |
| Return on Equity (ROE) | 7.1819% | 3,356 |
| Retained earnings to average equity (ytd only) | 6.2566% | 2,258 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8864% | 4,312 |
| Assets per employee ($millions) | 6.9464% | 918 |
| Cash dividends to net income (ytd only)* | 12.8840% | 2,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3490% | 2,665 |
| Loan loss allowance to noncurrent loans | 472.9532% | 1,074 |
| Noncurrent assets plus other real estate owned to assets | 0.3134% | 4,319 |
| Noncurrent loans to loans | 0.2852% | 4,409 |
| Net loans and leases to total assets | 65.4946% | 3,028 |
| Net loans and leases to deposits | 91.1956% | 1,439 |
| Net loans and leases to core deposits | 96.7464% | 1,724 |
| Total domestic deposits to total assets | 71.8177% | 5,784 |
| Equity capital to assets | 15.6918% | 568 |
| Core capital (leverage) ratio | 14.9561% | 609 |
| Tier 1 risk-based capital ratio | 17.7042% | 2,066 |
| Total risk-based capital ratio | 18.8304% | 2,069 |
| Memoranda: | ||
| Average total assets | $351,472,000 | 1,905 |
| Average earning assets | $319,017,000 | 1,939 |
| Average equity | $56,196,500 | 1,372 |
| Average total loans | $232,637,000 | 1,897 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8695% | 63 |
| Cost of funding earning assets | 0.3567% | 3,629 |
| Net interest margin | 6.5128% | 54 |
| Noninterest income to average assets | 0.3670% | 4,280 |
| Noninterest expense to average assets | 3.3280% | 1,651 |
| Loan and lease loss provision to assets | 0.1157% | 2,065 |
| Net operating income to assets | 1.6275% | 664 |
| Return on assets (ROA) | 1.6275% | 681 |
| Pretax return on assets | 2.7190% | 151 |
| Return on Equity (ROE) | 10.1970% | 1,930 |
| Retained earnings to average equity (ytd only) | 8.3940% | 805 |
| Net charge-offs to loans | -0.0453% | 5,523 |
| Credit loss provision to net charge-offs | -393.9394% | 5,399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.5166% | 5,552 |
| Assets per employee ($millions) | 6.9741% | 899 |
| Cash dividends to net income (ytd only)* | 17.6814% | 3,854 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4348% | 2,275 |
| Loan loss allowance to noncurrent loans | 606.9418% | 909 |
| Noncurrent assets plus other real estate owned to assets | 0.2871% | 4,439 |
| Noncurrent loans to loans | 0.2364% | 4,579 |
| Net loans and leases to total assets | 65.0304% | 3,119 |
| Net loans and leases to deposits | 84.6477% | 2,285 |
| Net loans and leases to core deposits | 92.4018% | 2,179 |
| Total domestic deposits to total assets | 76.8248% | 5,341 |
| Equity capital to assets | 16.3029% | 488 |
| Core capital (leverage) ratio | 14.9967% | 618 |
| Tier 1 risk-based capital ratio | 18.1413% | 1,922 |
| Total risk-based capital ratio | 19.3119% | 1,905 |
| Memoranda: | ||
| Average total assets | $337,074,400 | 1,947 |
| Average earning assets | $299,963,800 | 2,019 |
| Average equity | $53,800,400 | 1,388 |
| Average total loans | $218,649,000 | 1,934 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1576% | 55 |
| Cost of funding earning assets | 0.3558% | 3,685 |
| Net interest margin | 6.8018% | 48 |
| Noninterest income to average assets | 0.3275% | 4,590 |
| Noninterest expense to average assets | 3.5072% | 1,271 |
| Loan and lease loss provision to assets | 0.0814% | 2,546 |
| Net operating income to assets | 1.6230% | 731 |
| Return on assets (ROA) | 1.6230% | 761 |
| Pretax return on assets | 2.7634% | 154 |
| Return on Equity (ROE) | 10.2243% | 2,008 |
| Retained earnings to average equity (ytd only) | 8.1740% | 1,183 |
| Net charge-offs to loans | -0.0264% | 5,301 |
| Credit loss provision to net charge-offs | -476.7442% | 5,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.7272% | 5,459 |
| Assets per employee ($millions) | 7.2546% | 774 |
| Cash dividends to net income (ytd only)* | 20.0539% | 3,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3280% | 2,960 |
| Loan loss allowance to noncurrent loans | 479.0400% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.3147% | 4,507 |
| Noncurrent loans to loans | 0.2772% | 4,584 |
| Net loans and leases to total assets | 65.2457% | 3,124 |
| Net loans and leases to deposits | 88.0697% | 1,890 |
| Net loans and leases to core deposits | 90.3936% | 2,424 |
| Total domestic deposits to total assets | 74.0841% | 5,703 |
| Equity capital to assets | 16.0327% | 560 |
| Core capital (leverage) ratio | 14.4992% | 737 |
| Tier 1 risk-based capital ratio | 18.0374% | 2,016 |
| Total risk-based capital ratio | 19.1857% | 2,010 |
| Memoranda: | ||
| Average total assets | $335,910,250 | 1,964 |
| Average earning assets | $297,522,500 | 2,044 |
| Average equity | $53,322,500 | 1,409 |
| Average total loans | $216,945,250 | 1,950 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3921% | 50 |
| Cost of funding earning assets | 0.3570% | 3,736 |
| Net interest margin | 7.0351% | 43 |
| Noninterest income to average assets | 0.3279% | 4,600 |
| Noninterest expense to average assets | 3.7268% | 958 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.6528% | 681 |
| Return on assets (ROA) | 1.6528% | 708 |
| Pretax return on assets | 2.8149% | 156 |
| Return on Equity (ROE) | 10.4473% | 1,870 |
| Retained earnings to average equity (ytd only) | 10.4473% | 590 |
| Net charge-offs to loans | -0.0280% | 5,303 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4490% | 5,387 |
| Assets per employee ($millions) | 6.5189% | 1,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3598% | 2,934 |
| Loan loss allowance to noncurrent loans | 243.2954% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.4779% | 4,021 |
| Noncurrent loans to loans | 0.5589% | 3,776 |
| Net loans and leases to total assets | 60.5691% | 3,749 |
| Net loans and leases to deposits | 82.3957% | 2,509 |
| Net loans and leases to core deposits | 84.6452% | 2,916 |
| Total domestic deposits to total assets | 73.5100% | 5,835 |
| Equity capital to assets | 16.3046% | 491 |
| Core capital (leverage) ratio | 15.0270% | 608 |
| Tier 1 risk-based capital ratio | 16.7248% | 2,513 |
| Total risk-based capital ratio | 17.7248% | 2,575 |
| Memoranda: | ||
| Average total assets | $334,225,330 | 1,982 |
| Average earning assets | $295,207,000 | 2,072 |
| Average equity | $52,874,670 | 1,431 |
| Average total loans | $214,107,330 | 1,979 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1114% | 54 |
| Cost of funding earning assets | 0.3554% | 3,799 |
| Net interest margin | 6.7560% | 47 |
| Noninterest income to average assets | 0.3820% | 4,147 |
| Noninterest expense to average assets | 3.6227% | 1,111 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.6759% | 622 |
| Return on assets (ROA) | 1.6759% | 649 |
| Pretax return on assets | 2.8409% | 149 |
| Return on Equity (ROE) | 10.7569% | 1,714 |
| Retained earnings to average equity (ytd only) | 10.7569% | 761 |
| Net charge-offs to loans | -0.0274% | 5,197 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3463% | 5,568 |
| Assets per employee ($millions) | 6.2697% | 1,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2969% | 3,421 |
| Loan loss allowance to noncurrent loans | 254.7048% | 1,822 |
| Noncurrent assets plus other real estate owned to assets | 0.4610% | 4,186 |
| Noncurrent loans to loans | 0.5092% | 4,054 |
| Net loans and leases to total assets | 63.2373% | 3,201 |
| Net loans and leases to deposits | 87.0880% | 1,715 |
| Net loans and leases to core deposits | 89.6590% | 2,161 |
| Total domestic deposits to total assets | 72.6130% | 6,005 |
| Equity capital to assets | 15.9588% | 548 |
| Core capital (leverage) ratio | 14.0684% | 803 |
| Tier 1 risk-based capital ratio | 16.8140% | 2,550 |
| Total risk-based capital ratio | 17.8424% | 2,595 |
| Memoranda: | ||
| Average total assets | $335,105,500 | 1,989 |
| Average earning assets | $301,656,500 | 2,041 |
| Average equity | $52,208,500 | 1,453 |
| Average total loans | $219,087,500 | 1,944 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2388% | 115 |
| Cost of funding earning assets | 0.3918% | 3,770 |
| Net interest margin | 5.8470% | 91 |
| Noninterest income to average assets | 0.5111% | 3,419 |
| Noninterest expense to average assets | 3.6742% | 1,194 |
| Loan and lease loss provision to assets | 0.2031% | 1,244 |
| Net operating income to assets | 1.1560% | 1,744 |
| Return on assets (ROA) | 1.1666% | 1,765 |
| Pretax return on assets | 1.9702% | 541 |
| Return on Equity (ROE) | 7.2067% | 3,511 |
| Retained earnings to average equity (ytd only) | -8.8528% | 6,282 |
| Net charge-offs to loans | -0.0267% | 5,763 |
| Credit loss provision to net charge-offs | -1,225.4902% | 5,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6752% | 4,956 |
| Assets per employee ($millions) | 6.4984% | 1,050 |
| Cash dividends to net income (ytd only)* | 222.8412% | 67 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2189% | 3,891 |
| Loan loss allowance to noncurrent loans | 88.4095% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 1.0517% | 2,641 |
| Noncurrent loans to loans | 1.3787% | 2,124 |
| Net loans and leases to total assets | 65.8547% | 2,908 |
| Net loans and leases to deposits | 84.4586% | 2,161 |
| Net loans and leases to core deposits | 86.9254% | 2,614 |
| Total domestic deposits to total assets | 77.9728% | 5,444 |
| Equity capital to assets | 15.2069% | 666 |
| Core capital (leverage) ratio | 13.8240% | 859 |
| Tier 1 risk-based capital ratio | 15.8444% | 3,034 |
| Total risk-based capital ratio | 16.8015% | 3,139 |
| Memoranda: | ||
| Average total assets | $307,738,200 | 2,116 |
| Average earning assets | $279,988,200 | 2,128 |
| Average equity | $49,814,800 | 1,449 |
| Average total loans | $190,798,200 | 2,114 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8603% | 176 |
| Cost of funding earning assets | 0.3942% | 3,855 |
| Net interest margin | 5.4661% | 140 |
| Noninterest income to average assets | 0.4202% | 4,094 |
| Noninterest expense to average assets | 3.7264% | 1,083 |
| Loan and lease loss provision to assets | 0.0866% | 2,616 |
| Net operating income to assets | 0.9120% | 2,858 |
| Return on assets (ROA) | 0.9265% | 2,883 |
| Pretax return on assets | 1.6003% | 1,321 |
| Return on Equity (ROE) | 5.6276% | 4,430 |
| Retained earnings to average equity (ytd only) | -11.8676% | 6,415 |
| Net charge-offs to loans | -0.0263% | 5,697 |
| Credit loss provision to net charge-offs | -541.6667% | 5,767 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7597% | 3,901 |
| Assets per employee ($millions) | 6.4883% | 1,026 |
| Cash dividends to net income (ytd only)* | 310.8825% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0406% | 5,031 |
| Loan loss allowance to noncurrent loans | 54.1157% | 4,995 |
| Noncurrent assets plus other real estate owned to assets | 1.3415% | 2,298 |
| Noncurrent loans to loans | 1.9229% | 1,668 |
| Net loans and leases to total assets | 62.4554% | 3,415 |
| Net loans and leases to deposits | 76.4132% | 3,135 |
| Net loans and leases to core deposits | 78.7901% | 3,462 |
| Total domestic deposits to total assets | 81.7337% | 4,571 |
| Equity capital to assets | 14.6669% | 816 |
| Core capital (leverage) ratio | 13.6164% | 960 |
| Tier 1 risk-based capital ratio | 15.7985% | 3,161 |
| Total risk-based capital ratio | 16.6110% | 3,326 |
| Memoranda: | ||
| Average total assets | $300,193,250 | 2,175 |
| Average earning assets | $272,973,500 | 2,190 |
| Average equity | $49,421,750 | 1,459 |
| Average total loans | $182,177,500 | 2,216 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6268% | 251 |
| Cost of funding earning assets | 0.3855% | 4,048 |
| Net interest margin | 5.2413% | 186 |
| Noninterest income to average assets | 0.2787% | 5,199 |
| Noninterest expense to average assets | 3.5073% | 1,465 |
| Loan and lease loss provision to assets | 0.0670% | 2,924 |
| Net operating income to assets | 0.8321% | 3,170 |
| Return on assets (ROA) | 0.8551% | 3,146 |
| Pretax return on assets | 1.5656% | 1,347 |
| Return on Equity (ROE) | 4.9706% | 4,688 |
| Retained earnings to average equity (ytd only) | -16.9502% | 6,517 |
| Net charge-offs to loans | -0.0189% | 5,527 |
| Credit loss provision to net charge-offs | -593.7500% | 5,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5283% | 4,104 |
| Assets per employee ($millions) | 6.2814% | 1,119 |
| Cash dividends to net income (ytd only)* | 441.0066% | 37 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0574% | 5,082 |
| Loan loss allowance to noncurrent loans | 45.5990% | 5,334 |
| Noncurrent assets plus other real estate owned to assets | 1.5555% | 2,096 |
| Noncurrent loans to loans | 2.3189% | 1,396 |
| Net loans and leases to total assets | 59.0733% | 3,853 |
| Net loans and leases to deposits | 72.8055% | 3,472 |
| Net loans and leases to core deposits | 75.1646% | 3,717 |
| Total domestic deposits to total assets | 81.1385% | 4,935 |
| Equity capital to assets | 15.0216% | 694 |
| Core capital (leverage) ratio | 13.4343% | 995 |
| Tier 1 risk-based capital ratio | 16.5158% | 2,820 |
| Total risk-based capital ratio | 17.3212% | 2,992 |
| Memoranda: | ||
| Average total assets | $283,468,670 | 2,266 |
| Average earning assets | $260,967,670 | 2,281 |
| Average equity | $48,766,330 | 1,468 |
| Average total loans | $169,195,330 | 2,343 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2353% | 456 |
| Cost of funding earning assets | 0.3725% | 4,285 |
| Net interest margin | 4.8629% | 341 |
| Noninterest income to average assets | 0.2186% | 5,607 |
| Noninterest expense to average assets | 3.2353% | 2,110 |
| Loan and lease loss provision to assets | 0.1505% | 1,609 |
| Net operating income to assets | 0.7605% | 3,354 |
| Return on assets (ROA) | 0.7605% | 3,440 |
| Pretax return on assets | 1.3214% | 2,024 |
| Return on Equity (ROE) | 4.0677% | 4,999 |
| Retained earnings to average equity (ytd only) | 4.0677% | 3,676 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4184% | 4,292 |
| Assets per employee ($millions) | 7.8446% | 523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3701% | 3,743 |
| Loan loss allowance to noncurrent loans | 2,102.9126% | 274 |
| Noncurrent assets plus other real estate owned to assets | 0.2602% | 5,401 |
| Noncurrent loans to loans | 0.0652% | 5,952 |
| Net loans and leases to total assets | 58.4601% | 3,770 |
| Net loans and leases to deposits | 78.8079% | 2,449 |
| Net loans and leases to core deposits | 81.1343% | 2,838 |
| Total domestic deposits to total assets | 74.1805% | 6,228 |
| Equity capital to assets | 17.8331% | 333 |
| Core capital (leverage) ratio | 18.5006% | 278 |
| Tier 1 risk-based capital ratio | 20.6326% | 1,553 |
| Total risk-based capital ratio | 21.6361% | 1,590 |
| Memoranda: | ||
| Average total assets | $252,465,000 | 2,535 |
| Average earning assets | $233,031,500 | 2,512 |
| Average equity | $47,201,500 | 1,510 |
| Average total loans | $150,660,500 | 2,568 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3582% | 477 |
| Cost of funding earning assets | 0.4353% | 4,261 |
| Net interest margin | 4.9229% | 344 |
| Noninterest income to average assets | 0.1987% | 5,899 |
| Noninterest expense to average assets | 3.4726% | 1,719 |
| Loan and lease loss provision to assets | 0.1802% | 2,045 |
| Net operating income to assets | 0.6361% | 4,089 |
| Return on assets (ROA) | 0.6597% | 4,088 |
| Pretax return on assets | 1.0812% | 3,021 |
| Return on Equity (ROE) | 3.2721% | 5,411 |
| Retained earnings to average equity (ytd only) | 3.2721% | 3,903 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3309% | 3,411 |
| Assets per employee ($millions) | 6.8061% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4452% | 3,442 |
| Loan loss allowance to noncurrent loans | 1,881.8182% | 316 |
| Noncurrent assets plus other real estate owned to assets | 0.2943% | 5,383 |
| Noncurrent loans to loans | 0.0768% | 5,985 |
| Net loans and leases to total assets | 59.2587% | 3,833 |
| Net loans and leases to deposits | 82.9916% | 2,055 |
| Net loans and leases to core deposits | 85.4900% | 2,510 |
| Total domestic deposits to total assets | 71.4033% | 6,454 |
| Equity capital to assets | 19.6627% | 229 |
| Core capital (leverage) ratio | 18.5865% | 269 |
| Tier 1 risk-based capital ratio | 21.1601% | 1,391 |
| Total risk-based capital ratio | 22.1569% | 1,423 |
| Memoranda: | ||
| Average total assets | $227,521,600 | 2,740 |
| Average earning assets | $207,906,600 | 2,746 |
| Average equity | $45,872,600 | 1,525 |
| Average total loans | $125,085,800 | 2,936 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2164% | 621 |
| Cost of funding earning assets | 0.4371% | 4,422 |
| Net interest margin | 4.7792% | 450 |
| Noninterest income to average assets | 0.2034% | 5,966 |
| Noninterest expense to average assets | 3.6925% | 1,258 |
| Loan and lease loss provision to assets | 0.0593% | 3,862 |
| Net operating income to assets | 0.4360% | 5,088 |
| Return on assets (ROA) | 0.4679% | 5,088 |
| Pretax return on assets | 0.8646% | 4,028 |
| Return on Equity (ROE) | 2.3054% | 5,850 |
| Retained earnings to average equity (ytd only) | 2.3054% | 4,948 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.1975% | 2,233 |
| Assets per employee ($millions) | 6.4451% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2955% | 4,417 |
| Loan loss allowance to noncurrent loans | 1,442.6230% | 344 |
| Noncurrent assets plus other real estate owned to assets | 0.2990% | 5,531 |
| Noncurrent loans to loans | 0.0898% | 6,063 |
| Net loans and leases to total assets | 56.2327% | 4,283 |
| Net loans and leases to deposits | 72.1351% | 3,498 |
| Net loans and leases to core deposits | 73.9531% | 3,851 |
| Total domestic deposits to total assets | 77.9547% | 5,911 |
| Equity capital to assets | 19.2592% | 239 |
| Core capital (leverage) ratio | 19.1091% | 234 |
| Tier 1 risk-based capital ratio | 21.0063% | 1,492 |
| Total risk-based capital ratio | 21.8660% | 1,552 |
| Memoranda: | ||
| Average total assets | $224,848,750 | 2,787 |
| Average earning assets | $205,272,250 | 2,806 |
| Average equity | $45,631,000 | 1,547 |
| Average total loans | $120,549,250 | 3,049 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1354% | 716 |
| Cost of funding earning assets | 0.4498% | 4,430 |
| Net interest margin | 4.6856% | 520 |
| Noninterest income to average assets | 0.1807% | 6,128 |
| Noninterest expense to average assets | 3.7910% | 1,109 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.3406% | 5,442 |
| Return on assets (ROA) | 0.3895% | 5,414 |
| Pretax return on assets | 0.7408% | 4,536 |
| Return on Equity (ROE) | 1.8844% | 5,989 |
| Retained earnings to average equity (ytd only) | 1.8844% | 5,070 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3537% | 1,709 |
| Assets per employee ($millions) | 5.9338% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2891% | 4,559 |
| Loan loss allowance to noncurrent loans | 1,337.9032% | 370 |
| Noncurrent assets plus other real estate owned to assets | 0.3171% | 5,524 |
| Noncurrent loans to loans | 0.0964% | 6,109 |
| Net loans and leases to total assets | 56.3379% | 4,232 |
| Net loans and leases to deposits | 73.2196% | 3,258 |
| Net loans and leases to core deposits | 75.5506% | 3,601 |
| Total domestic deposits to total assets | 76.9438% | 6,136 |
| Equity capital to assets | 20.1708% | 200 |
| Core capital (leverage) ratio | 19.5525% | 215 |
| Tier 1 risk-based capital ratio | 21.8021% | 1,325 |
| Total risk-based capital ratio | 22.6581% | 1,372 |
| Memoranda: | ||
| Average total assets | $220,309,000 | 2,833 |
| Average earning assets | $200,998,000 | 2,858 |
| Average equity | $45,532,330 | 1,555 |
| Average total loans | $115,446,670 | 3,160 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0283% | 850 |
| Cost of funding earning assets | 0.4642% | 4,438 |
| Net interest margin | 4.5640% | 600 |
| Noninterest income to average assets | 0.1892% | 6,116 |
| Noninterest expense to average assets | 3.7663% | 1,156 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.3233% | 5,478 |
| Return on assets (ROA) | 0.3233% | 5,611 |
| Pretax return on assets | 0.5953% | 4,963 |
| Return on Equity (ROE) | 1.5453% | 6,076 |
| Retained earnings to average equity (ytd only) | 1.5453% | 5,214 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3521% | 1,476 |
| Assets per employee ($millions) | 5.9515% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 4,250 |
| Loan loss allowance to noncurrent loans | 1,256.8182% | 382 |
| Noncurrent assets plus other real estate owned to assets | 0.3283% | 5,598 |
| Noncurrent loans to loans | 0.1111% | 6,148 |
| Net loans and leases to total assets | 53.2043% | 4,530 |
| Net loans and leases to deposits | 69.6246% | 3,552 |
| Net loans and leases to core deposits | 71.8166% | 3,843 |
| Total domestic deposits to total assets | 76.4160% | 6,315 |
| Equity capital to assets | 20.7975% | 183 |
| Core capital (leverage) ratio | 19.7986% | 200 |
| Tier 1 risk-based capital ratio | 24.6475% | 935 |
| Total risk-based capital ratio | 25.6195% | 957 |
| Memoranda: | ||
| Average total assets | $217,721,500 | 2,901 |
| Average earning assets | $199,034,500 | 2,911 |
| Average equity | $45,557,500 | 1,574 |
| Average total loans | $108,824,000 | 3,314 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0910% | 238 |
| Cost of funding earning assets | 0.5619% | 4,713 |
| Net interest margin | 5.5292% | 163 |
| Noninterest income to average assets | 0.5932% | 3,317 |
| Noninterest expense to average assets | 3.9593% | 1,019 |
| Loan and lease loss provision to assets | 0.1535% | 3,691 |
| Net operating income to assets | 1.0627% | 2,078 |
| Return on assets (ROA) | 0.9448% | 2,830 |
| Pretax return on assets | 1.3128% | 2,347 |
| Return on Equity (ROE) | 4.4205% | 4,964 |
| Retained earnings to average equity (ytd only) | -1.5661% | 6,100 |
| Net charge-offs to loans | -0.0616% | 6,739 |
| Credit loss provision to net charge-offs | -508.4746% | 6,523 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8360% | 3,649 |
| Assets per employee ($millions) | 5.9789% | 1,292 |
| Cash dividends to net income (ytd only)* | 135.4280% | 256 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6786% | 3,010 |
| Loan loss allowance to noncurrent loans | 1,091.4474% | 432 |
| Noncurrent assets plus other real estate owned to assets | 0.3452% | 5,647 |
| Noncurrent loans to loans | 0.1538% | 6,096 |
| Net loans and leases to total assets | 45.1461% | 5,708 |
| Net loans and leases to deposits | 59.2527% | 5,102 |
| Net loans and leases to core deposits | 61.1683% | 5,257 |
| Total domestic deposits to total assets | 76.1925% | 6,336 |
| Equity capital to assets | 21.0547% | 182 |
| Core capital (leverage) ratio | 19.0926% | 228 |
| Tier 1 risk-based capital ratio | 25.9096% | 779 |
| Total risk-based capital ratio | 26.9440% | 788 |
| Memoranda: | ||
| Average total assets | $195,387,600 | 3,104 |
| Average earning assets | $176,554,800 | 3,138 |
| Average equity | $41,759,600 | 1,672 |
| Average total loans | $95,769,400 | 3,625 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2720% | 189 |
| Cost of funding earning assets | 0.5741% | 4,877 |
| Net interest margin | 5.6979% | 139 |
| Noninterest income to average assets | 0.3907% | 4,703 |
| Noninterest expense to average assets | 4.1597% | 764 |
| Loan and lease loss provision to assets | 0.0875% | 4,513 |
| Net operating income to assets | 0.8675% | 3,144 |
| Return on assets (ROA) | 0.8437% | 3,488 |
| Pretax return on assets | 1.2365% | 2,839 |
| Return on Equity (ROE) | 3.9311% | 5,316 |
| Retained earnings to average equity (ytd only) | 3.9311% | 4,117 |
| Net charge-offs to loans | -0.1263% | 6,909 |
| Credit loss provision to net charge-offs | -138.8889% | 6,281 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3743% | 2,765 |
| Assets per employee ($millions) | 6.0019% | 1,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5380% | 3,784 |
| Loan loss allowance to noncurrent loans | 837.0166% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.3476% | 5,815 |
| Noncurrent loans to loans | 0.1838% | 6,149 |
| Net loans and leases to total assets | 43.6741% | 5,994 |
| Net loans and leases to deposits | 57.4755% | 5,484 |
| Net loans and leases to core deposits | 59.2797% | 5,627 |
| Total domestic deposits to total assets | 75.9873% | 6,379 |
| Equity capital to assets | 21.2631% | 194 |
| Core capital (leverage) ratio | 20.3595% | 197 |
| Tier 1 risk-based capital ratio | 25.7940% | 843 |
| Total risk-based capital ratio | 26.7049% | 855 |
| Memoranda: | ||
| Average total assets | $190,424,750 | 3,200 |
| Average earning assets | $171,381,000 | 3,241 |
| Average equity | $40,870,000 | 1,722 |
| Average total loans | $95,004,000 | 3,679 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1641% | 235 |
| Cost of funding earning assets | 0.5909% | 4,980 |
| Net interest margin | 5.5732% | 160 |
| Noninterest income to average assets | 0.7327% | 2,505 |
| Noninterest expense to average assets | 4.1973% | 729 |
| Loan and lease loss provision to assets | 0.1390% | 3,783 |
| Net operating income to assets | 0.9985% | 2,471 |
| Return on assets (ROA) | 0.9584% | 2,870 |
| Pretax return on assets | 1.3220% | 2,473 |
| Return on Equity (ROE) | 4.4486% | 5,063 |
| Retained earnings to average equity (ytd only) | 4.4486% | 3,643 |
| Net charge-offs to loans | -0.1897% | 6,986 |
| Credit loss provision to net charge-offs | -140.4494% | 6,093 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4579% | 3,168 |
| Assets per employee ($millions) | 5.4553% | 1,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3237% | 4,777 |
| Loan loss allowance to noncurrent loans | 356.2353% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.6637% | 5,121 |
| Noncurrent loans to loans | 0.3716% | 5,797 |
| Net loans and leases to total assets | 53.0483% | 4,954 |
| Net loans and leases to deposits | 72.1497% | 3,589 |
| Net loans and leases to core deposits | 74.5064% | 3,955 |
| Total domestic deposits to total assets | 73.5254% | 6,710 |
| Equity capital to assets | 21.3424% | 183 |
| Core capital (leverage) ratio | 20.2440% | 193 |
| Tier 1 risk-based capital ratio | 23.9570% | 1,018 |
| Total risk-based capital ratio | 24.8310% | 1,051 |
| Memoranda: | ||
| Average total assets | $179,876,330 | 3,357 |
| Average earning assets | $160,769,670 | 3,409 |
| Average equity | $38,753,670 | 1,794 |
| Average total loans | $93,838,000 | 3,715 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5296% | 716 |
| Cost of funding earning assets | 0.5579% | 5,443 |
| Net interest margin | 4.9716% | 419 |
| Noninterest income to average assets | 1.4366% | 701 |
| Noninterest expense to average assets | 4.2781% | 684 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3730% | 1,271 |
| Return on assets (ROA) | 1.3730% | 1,422 |
| Pretax return on assets | 1.5639% | 1,692 |
| Return on Equity (ROE) | 6.3342% | 4,123 |
| Retained earnings to average equity (ytd only) | 6.3342% | 2,779 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2300% | 3,215 |
| Assets per employee ($millions) | 5.2891% | 1,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2120% | 5,432 |
| Loan loss allowance to noncurrent loans | 191.1765% | 1,725 |
| Noncurrent assets plus other real estate owned to assets | 0.7879% | 4,971 |
| Noncurrent loans to loans | 0.6340% | 5,374 |
| Net loans and leases to total assets | 50.0860% | 5,292 |
| Net loans and leases to deposits | 65.7988% | 4,408 |
| Net loans and leases to core deposits | 67.8950% | 4,690 |
| Total domestic deposits to total assets | 76.1200% | 6,529 |
| Equity capital to assets | 21.1300% | 175 |
| Core capital (leverage) ratio | 23.7415% | 110 |
| Tier 1 risk-based capital ratio | 27.3530% | 698 |
| Total risk-based capital ratio | 28.2142% | 721 |
| Memoranda: | ||
| Average total assets | $163,437,000 | 3,632 |
| Average earning assets | $144,821,500 | 3,721 |
| Average equity | $35,427,000 | 1,955 |
| Average total loans | $83,568,500 | 4,024 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4709% | 187 |
| Cost of funding earning assets | 0.5902% | 6,132 |
| Net interest margin | 5.8806% | 104 |
| Noninterest income to average assets | 0.0753% | 6,735 |
| Noninterest expense to average assets | 4.7016% | 489 |
| Loan and lease loss provision to assets | -0.1269% | 7,288 |
| Net operating income to assets | 0.3961% | 4,885 |
| Return on assets (ROA) | 0.3168% | 5,349 |
| Pretax return on assets | 0.6924% | 4,348 |
| Return on Equity (ROE) | 1.1474% | 5,928 |
| Retained earnings to average equity (ytd only) | 1.1474% | 5,316 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2129% | 1,420 |
| Assets per employee ($millions) | 5.2415% | 1,896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1712% | 1,856 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6643% | 5,323 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 50.7961% | 5,488 |
| Net loans and leases to deposits | 76.4903% | 3,097 |
| Net loans and leases to core deposits | 78.9141% | 3,581 |
| Total domestic deposits to total assets | 66.4085% | 7,120 |
| Equity capital to assets | 22.6785% | 139 |
| Core capital (leverage) ratio | 23.4511% | 119 |
| Tier 1 risk-based capital ratio | 28.1410% | 616 |
| Total risk-based capital ratio | 29.3875% | 606 |
| Memoranda: | ||
| Average total assets | $96,903,200 | 4,982 |
| Average earning assets | $87,592,800 | 5,003 |
| Average equity | $26,756,000 | 2,416 |
| Average total loans | $58,070,800 | 4,948 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4897% | 198 |
| Cost of funding earning assets | 0.5640% | 6,454 |
| Net interest margin | 5.9257% | 100 |
| Noninterest income to average assets | -0.0361% | 7,143 |
| Noninterest expense to average assets | 4.7077% | 478 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.3640% | 5,146 |
| Return on assets (ROA) | 0.3640% | 5,336 |
| Pretax return on assets | 0.6746% | 4,564 |
| Return on Equity (ROE) | 1.2487% | 6,016 |
| Retained earnings to average equity (ytd only) | 1.2487% | 5,511 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.4665% | 1,391 |
| Assets per employee ($millions) | 5.1471% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5088% | 1,384 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6411% | 5,534 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 48.8339% | 5,854 |
| Net loans and leases to deposits | 68.4186% | 4,538 |
| Net loans and leases to core deposits | 71.7196% | 4,748 |
| Total domestic deposits to total assets | 71.3751% | 6,970 |
| Equity capital to assets | 23.5903% | 136 |
| Core capital (leverage) ratio | 26.4273% | 98 |
| Tier 1 risk-based capital ratio | 29.4531% | 575 |
| Total risk-based capital ratio | 30.6674% | 562 |
| Memoranda: | ||
| Average total assets | $92,301,000 | 5,161 |
| Average earning assets | $84,398,250 | 5,146 |
| Average equity | $26,907,250 | 2,401 |
| Average total loans | $57,620,000 | 5,013 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7126% | 160 |
| Cost of funding earning assets | 0.5657% | 6,602 |
| Net interest margin | 6.1469% | 84 |
| Noninterest income to average assets | -0.0961% | 7,287 |
| Noninterest expense to average assets | 4.8123% | 432 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4243% | 4,840 |
| Return on assets (ROA) | 0.4243% | 4,988 |
| Pretax return on assets | 0.7712% | 4,135 |
| Return on Equity (ROE) | 1.3421% | 5,995 |
| Retained earnings to average equity (ytd only) | 1.3421% | 5,318 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1881% | 1,587 |
| Assets per employee ($millions) | 4.4229% | 2,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5724% | 1,338 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7816% | 5,330 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 58.0248% | 4,620 |
| Net loans and leases to deposits | 89.4521% | 1,334 |
| Net loans and leases to core deposits | 93.8773% | 1,907 |
| Total domestic deposits to total assets | 64.8669% | 7,290 |
| Equity capital to assets | 29.0651% | 86 |
| Core capital (leverage) ratio | 31.2145% | 74 |
| Tier 1 risk-based capital ratio | 36.6528% | 307 |
| Total risk-based capital ratio | 37.9115% | 300 |
| Memoranda: | ||
| Average total assets | $85,322,330 | 5,386 |
| Average earning assets | $78,836,330 | 5,349 |
| Average equity | $26,972,000 | 2,387 |
| Average total loans | $57,919,670 | 5,049 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1380% | 97 |
| Cost of funding earning assets | 0.6161% | 6,541 |
| Net interest margin | 6.5219% | 69 |
| Noninterest income to average assets | -0.3483% | 7,468 |
| Noninterest expense to average assets | 4.6650% | 503 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5641% | 4,216 |
| Return on assets (ROA) | 0.5641% | 4,295 |
| Pretax return on assets | 1.0105% | 3,092 |
| Return on Equity (ROE) | 1.7062% | 5,909 |
| Retained earnings to average equity (ytd only) | 1.7062% | 5,100 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.1953% | 2,194 |
| Assets per employee ($millions) | 5.2050% | 1,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5015% | 1,454 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8477% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 66.5994% | 2,859 |
| Net loans and leases to deposits | 109.4915% | 189 |
| Net loans and leases to core deposits | 114.5572% | 583 |
| Total domestic deposits to total assets | 60.8261% | 7,424 |
| Equity capital to assets | 32.4880% | 68 |
| Core capital (leverage) ratio | 33.1757% | 65 |
| Tier 1 risk-based capital ratio | 39.4057% | 248 |
| Total risk-based capital ratio | 40.6660% | 244 |
| Memoranda: | ||
| Average total assets | $81,543,000 | 5,544 |
| Average earning assets | $75,315,000 | 5,498 |
| Average equity | $26,960,000 | 2,380 |
| Average total loans | $59,221,000 | 5,039 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0760% | 135 |
| Cost of funding earning assets | 0.6409% | 7,027 |
| Net interest margin | 6.4351% | 69 |
| Noninterest income to average assets | 0.0132% | 7,237 |
| Noninterest expense to average assets | 4.5714% | 606 |
| Loan and lease loss provision to assets | 0.9402% | 1,736 |
| Net operating income to assets | 1.0958% | 1,713 |
| Return on assets (ROA) | 1.0958% | 1,797 |
| Pretax return on assets | 0.6108% | 4,283 |
| Return on Equity (ROE) | 3.5169% | 4,745 |
| Retained earnings to average equity (ytd only) | 2.7482% | 3,931 |
| Net charge-offs to loans | 0.9979% | 2,195 |
| Credit loss provision to net charge-offs | 128.0587% | 3,137 |
| Earnings coverage of net charge-offs (x) | 2.1126% | 4,138 |
| Efficiency ratio | 74.6674% | 3,263 |
| Assets per employee ($millions) | 4.9879% | 2,169 |
| Cash dividends to net income (ytd only)* | 21.8579% | 3,381 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3118% | 1,676 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9786% | 5,053 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 75.3477% | 1,405 |
| Net loans and leases to deposits | 127.0376% | 80 |
| Net loans and leases to core deposits | 132.7593% | 298 |
| Total domestic deposits to total assets | 59.3113% | 7,514 |
| Equity capital to assets | 33.6616% | 67 |
| Core capital (leverage) ratio | 33.9990% | 70 |
| Tier 1 risk-based capital ratio | 37.4315% | 287 |
| Total risk-based capital ratio | 38.6903% | 280 |
| Memoranda: | ||
| Average total assets | $83,497,200 | 5,485 |
| Average earning assets | $79,268,400 | 5,374 |
| Average equity | $26,017,400 | 2,454 |
| Average total loans | $61,431,600 | 5,008 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0840% | 133 |
| Cost of funding earning assets | 0.6530% | 7,173 |
| Net interest margin | 6.4309% | 71 |
| Noninterest income to average assets | 0.0126% | 7,406 |
| Noninterest expense to average assets | 4.4933% | 603 |
| Loan and lease loss provision to assets | 1.0819% | 1,348 |
| Net operating income to assets | 1.0392% | 2,102 |
| Return on assets (ROA) | 1.0392% | 2,209 |
| Pretax return on assets | 0.5654% | 4,705 |
| Return on Equity (ROE) | 3.3997% | 5,050 |
| Retained earnings to average equity (ytd only) | 3.3997% | 4,057 |
| Net charge-offs to loans | 1.3311% | 1,528 |
| Credit loss provision to net charge-offs | 111.7455% | 3,786 |
| Earnings coverage of net charge-offs (x) | 1.7015% | 4,428 |
| Efficiency ratio | 73.1739% | 3,488 |
| Assets per employee ($millions) | 4.9356% | 2,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3374% | 1,568 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9890% | 5,106 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 69.9987% | 2,731 |
| Net loans and leases to deposits | 106.6299% | 336 |
| Net loans and leases to core deposits | 110.9978% | 981 |
| Total domestic deposits to total assets | 65.6464% | 7,483 |
| Equity capital to assets | 33.5191% | 71 |
| Core capital (leverage) ratio | 32.9975% | 70 |
| Tier 1 risk-based capital ratio | 39.4290% | 257 |
| Total risk-based capital ratio | 40.6883% | 249 |
| Memoranda: | ||
| Average total assets | $84,420,000 | 5,525 |
| Average earning assets | $80,442,250 | 5,391 |
| Average equity | $25,805,750 | 2,514 |
| Average total loans | $61,400,750 | 5,082 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0858% | 139 |
| Cost of funding earning assets | 0.6479% | 7,300 |
| Net interest margin | 6.4379% | 71 |
| Noninterest income to average assets | 0.0139% | 7,483 |
| Noninterest expense to average assets | 4.4088% | 643 |
| Loan and lease loss provision to assets | 1.2988% | 1,055 |
| Net operating income to assets | 0.9230% | 2,458 |
| Return on assets (ROA) | 0.9230% | 2,559 |
| Pretax return on assets | 0.4592% | 5,032 |
| Return on Equity (ROE) | 3.1113% | 5,172 |
| Retained earnings to average equity (ytd only) | 3.1113% | 4,133 |
| Net charge-offs to loans | 1.2698% | 1,498 |
| Credit loss provision to net charge-offs | 140.0000% | 2,864 |
| Earnings coverage of net charge-offs (x) | 1.8950% | 4,102 |
| Efficiency ratio | 71.4930% | 3,906 |
| Assets per employee ($millions) | 5.4737% | 1,646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2954% | 1,592 |
| Loan loss allowance to noncurrent loans | 141.9517% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 1.1350% | 4,865 |
| Noncurrent loans to loans | 1.6170% | 4,282 |
| Net loans and leases to total assets | 68.5769% | 3,227 |
| Net loans and leases to deposits | 104.2727% | 473 |
| Net loans and leases to core deposits | 108.1014% | 1,290 |
| Total domestic deposits to total assets | 65.7669% | 7,535 |
| Equity capital to assets | 29.5151% | 91 |
| Core capital (leverage) ratio | 30.8385% | 78 |
| Tier 1 risk-based capital ratio | 35.4934% | 337 |
| Total risk-based capital ratio | 36.7513% | 329 |
| Memoranda: | ||
| Average total assets | $86,236,670 | 5,502 |
| Average earning assets | $82,418,670 | 5,357 |
| Average equity | $25,584,330 | 2,530 |
| Average total loans | $63,000,670 | 5,058 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0672% | 160 |
| Cost of funding earning assets | 0.6589% | 7,416 |
| Net interest margin | 6.4083% | 76 |
| Noninterest income to average assets | 0.0093% | 7,625 |
| Noninterest expense to average assets | 4.3990% | 640 |
| Loan and lease loss provision to assets | 1.3323% | 898 |
| Net operating income to assets | 0.8835% | 2,618 |
| Return on assets (ROA) | 0.8835% | 2,691 |
| Pretax return on assets | 0.4161% | 5,245 |
| Return on Equity (ROE) | 2.9703% | 5,346 |
| Retained earnings to average equity (ytd only) | 2.9703% | 4,345 |
| Net charge-offs to loans | 1.2546% | 1,358 |
| Credit loss provision to net charge-offs | 142.5000% | 2,500 |
| Earnings coverage of net charge-offs (x) | 1.8700% | 3,609 |
| Efficiency ratio | 71.5589% | 4,007 |
| Assets per employee ($millions) | 5.4348% | 1,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0238% | 2,117 |
| Loan loss allowance to noncurrent loans | 111.8928% | 2,467 |
| Noncurrent assets plus other real estate owned to assets | 1.3731% | 4,452 |
| Noncurrent loans to loans | 1.8087% | 4,041 |
| Net loans and leases to total assets | 74.3790% | 1,892 |
| Net loans and leases to deposits | 112.8192% | 234 |
| Net loans and leases to core deposits | 116.9820% | 907 |
| Total domestic deposits to total assets | 65.9276% | 7,617 |
| Equity capital to assets | 29.2435% | 89 |
| Core capital (leverage) ratio | 30.4863% | 85 |
| Tier 1 risk-based capital ratio | 34.3788% | 375 |
| Total risk-based capital ratio | 35.6351% | 366 |
| Memoranda: | ||
| Average total assets | $85,565,500 | 5,583 |
| Average earning assets | $81,956,000 | 5,441 |
| Average equity | $25,452,000 | 2,571 |
| Average total loans | $63,766,000 | 5,099 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3171% | 169 |
| Cost of funding earning assets | 0.7379% | 7,639 |
| Net interest margin | 6.5792% | 64 |
| Noninterest income to average assets | -0.0028% | 7,714 |
| Noninterest expense to average assets | 4.8312% | 593 |
| Loan and lease loss provision to assets | 1.2262% | 1,876 |
| Net operating income to assets | 0.6343% | 3,199 |
| Return on assets (ROA) | 0.6343% | 3,256 |
| Pretax return on assets | 0.2520% | 4,890 |
| Return on Equity (ROE) | 1.8064% | 4,978 |
| Retained earnings to average equity (ytd only) | 1.8064% | 3,829 |
| Net charge-offs to loans | 0.7044% | 3,075 |
| Credit loss provision to net charge-offs | 244.6328% | 1,456 |
| Earnings coverage of net charge-offs (x) | 2.9492% | 3,605 |
| Efficiency ratio | 76.5709% | 3,426 |
| Assets per employee ($millions) | 5.2609% | 1,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0335% | 1,950 |
| Loan loss allowance to noncurrent loans | 89.7418% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 1.6561% | 3,887 |
| Noncurrent loans to loans | 2.2660% | 3,320 |
| Net loans and leases to total assets | 71.5985% | 2,860 |
| Net loans and leases to deposits | 119.1467% | 186 |
| Net loans and leases to core deposits | 176.3047% | 183 |
| Total domestic deposits to total assets | 60.0927% | 7,800 |
| Equity capital to assets | 30.2643% | 100 |
| Core capital (leverage) ratio | 31.7303% | 91 |
| Tier 1 risk-based capital ratio | 35.2072% | 339 |
| Total risk-based capital ratio | 36.4611% | 335 |
| Memoranda: | ||
| Average total assets | $70,624,200 | 5,983 |
| Average earning assets | $67,759,000 | 5,876 |
| Average equity | $24,800,600 | 2,629 |
| Average total loans | $50,253,800 | 5,659 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4091% | 166 |
| Cost of funding earning assets | 0.7250% | 7,785 |
| Net interest margin | 6.6841% | 64 |
| Noninterest income to average assets | -0.0099% | 7,861 |
| Noninterest expense to average assets | 4.9853% | 495 |
| Loan and lease loss provision to assets | 0.8527% | 2,249 |
| Net operating income to assets | 0.5671% | 3,737 |
| Return on assets (ROA) | 0.5671% | 3,807 |
| Pretax return on assets | 0.5691% | 4,303 |
| Return on Equity (ROE) | 1.5481% | 5,314 |
| Retained earnings to average equity (ytd only) | 1.5481% | 4,446 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8087% | 3,197 |
| Assets per employee ($millions) | 5.5095% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0939% | 1,607 |
| Loan loss allowance to noncurrent loans | 189.4652% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.7999% | 5,513 |
| Noncurrent loans to loans | 1.1052% | 5,105 |
| Net loans and leases to total assets | 70.8633% | 3,301 |
| Net loans and leases to deposits | 106.2185% | 641 |
| Net loans and leases to core deposits | 154.7405% | 480 |
| Total domestic deposits to total assets | 66.7146% | 7,650 |
| Equity capital to assets | 32.4258% | 96 |
| Core capital (leverage) ratio | 33.7265% | 103 |
| Tier 1 risk-based capital ratio | 37.5116% | 323 |
| Total risk-based capital ratio | 38.7669% | 312 |
| Memoranda: | ||
| Average total assets | $67,236,500 | 6,141 |
| Average earning assets | $64,549,750 | 6,017 |
| Average equity | $24,632,000 | 2,671 |
| Average total loans | $47,437,500 | 5,828 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2749% | 214 |
| Cost of funding earning assets | 0.6882% | 7,928 |
| Net interest margin | 6.5867% | 66 |
| Noninterest income to average assets | 0.0188% | 7,874 |
| Noninterest expense to average assets | 5.0925% | 480 |
| Loan and lease loss provision to assets | 0.7351% | 2,228 |
| Net operating income to assets | 0.5349% | 3,961 |
| Return on assets (ROA) | 0.5349% | 4,065 |
| Pretax return on assets | 0.5380% | 4,505 |
| Return on Equity (ROE) | 1.3956% | 5,499 |
| Retained earnings to average equity (ytd only) | 1.3956% | 4,559 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0000% | 3,042 |
| Assets per employee ($millions) | 5.6545% | 1,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7250% | 2,256 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 75.4884% | 2,318 |
| Net loans and leases to deposits | 115.2392% | 352 |
| Net loans and leases to core deposits | 169.4196% | 322 |
| Total domestic deposits to total assets | 65.5058% | 7,766 |
| Equity capital to assets | 33.5596% | 111 |
| Core capital (leverage) ratio | 36.1159% | 104 |
| Tier 1 risk-based capital ratio | 36.3719% | 385 |
| Total risk-based capital ratio | 37.6240% | 380 |
| Memoranda: | ||
| Average total assets | $63,937,670 | 6,304 |
| Average earning assets | $61,609,330 | 6,160 |
| Average equity | $24,505,670 | 2,686 |
| Average total loans | $44,640,670 | 5,997 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9747% | 359 |
| Cost of funding earning assets | 0.6379% | 8,030 |
| Net interest margin | 6.3368% | 80 |
| Noninterest income to average assets | 0.0135% | 8,008 |
| Noninterest expense to average assets | 5.2136% | 422 |
| Loan and lease loss provision to assets | 0.4395% | 2,725 |
| Net operating income to assets | 0.4734% | 4,549 |
| Return on assets (ROA) | 0.4734% | 4,739 |
| Pretax return on assets | 0.4734% | 5,160 |
| Return on Equity (ROE) | 1.1464% | 6,085 |
| Retained earnings to average equity (ytd only) | 1.1464% | 5,183 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.0993% | 2,183 |
| Assets per employee ($millions) | 5.2839% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0316% | 1,355 |
| Loan loss allowance to noncurrent loans | 69.7311% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 1.8184% | 3,190 |
| Noncurrent loans to loans | 2.9135% | 2,242 |
| Net loans and leases to total assets | 61.1447% | 5,477 |
| Net loans and leases to deposits | 101.6865% | 1,212 |
| Net loans and leases to core deposits | 139.2701% | 1,139 |
| Total domestic deposits to total assets | 60.1306% | 7,964 |
| Equity capital to assets | 38.8900% | 96 |
| Core capital (leverage) ratio | 46.8551% | 80 |
| Tier 1 risk-based capital ratio | 47.2227% | 231 |
| Total risk-based capital ratio | 48.4754% | 232 |
| Memoranda: | ||
| Average total assets | $59,152,500 | 6,504 |
| Average earning assets | $57,063,500 | 6,375 |
| Average equity | $24,424,000 | 2,716 |
| Average total loans | $38,729,000 | 6,290 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1806% | 774 |
| Cost of funding earning assets | 0.9135% | 8,086 |
| Net interest margin | 6.2671% | 86 |
| Noninterest income to average assets | 0.0365% | 7,958 |
| Noninterest expense to average assets | 5.8823% | 418 |
| Loan and lease loss provision to assets | 0.5653% | 2,558 |
| Net operating income to assets | -0.4356% | 6,862 |
| Return on assets (ROA) | -0.4356% | 6,739 |
| Pretax return on assets | -0.4336% | 6,585 |
| Return on Equity (ROE) | -0.8631% | 6,345 |
| Retained earnings to average equity (ytd only) | -0.8631% | 5,556 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.8100% | 1,066 |
| Assets per employee ($millions) | 4.5748% | 2,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9507% | 1,319 |
| Loan loss allowance to noncurrent loans | 64.0937% | 4,812 |
| Noncurrent assets plus other real estate owned to assets | 2.1003% | 2,337 |
| Noncurrent loans to loans | 3.0435% | 1,756 |
| Net loans and leases to total assets | 67.6618% | 4,522 |
| Net loans and leases to deposits | 137.0512% | 129 |
| Net loans and leases to core deposits | 150.7263% | 829 |
| Total domestic deposits to total assets | 49.3697% | 8,128 |
| Equity capital to assets | 44.0617% | 89 |
| Core capital (leverage) ratio | 43.7793% | 96 |
| Tier 1 risk-based capital ratio | 53.0519% | 189 |
| Total risk-based capital ratio | 54.3065% | 187 |
| Memoranda: | ||
| Average total assets | $49,351,600 | 6,808 |
| Average earning assets | $47,071,200 | 6,708 |
| Average equity | $24,908,800 | 2,645 |
| Average total loans | $34,470,000 | 6,460 |