Home > American Bank > Performance and Condition Ratios
American Bank, Performance and Condition Ratios
| 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 | 4.0911% | 2,901 |
| Cost of funding earning assets | 0.3416% | 3,660 |
| Net interest margin | 3.7494% | 2,516 |
| Noninterest income to average assets | 0.6247% | 2,485 |
| Noninterest expense to average assets | 2.2700% | 4,682 |
| Loan and lease loss provision to assets | 0.1863% | 1,167 |
| Net operating income to assets | 1.0352% | 2,235 |
| Return on assets (ROA) | 1.0352% | 2,364 |
| Pretax return on assets | 1.5989% | 1,378 |
| Return on Equity (ROE) | 8.4844% | 2,755 |
| Retained earnings to average equity (ytd only) | 8.4844% | 1,014 |
| Net charge-offs to loans | -0.0048% | 4,516 |
| Credit loss provision to net charge-offs | -5,425.0000% | 5,332 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7581% | 5,400 |
| Assets per employee ($millions) | 5.4391% | 1,857 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9036% | 220 |
| Loan loss allowance to noncurrent loans | 941.9900% | 608 |
| Noncurrent assets plus other real estate owned to assets | 0.2226% | 4,603 |
| Noncurrent loans to loans | 0.3082% | 4,261 |
| Net loans and leases to total assets | 70.1250% | 2,460 |
| Net loans and leases to deposits | 84.1372% | 2,450 |
| Net loans and leases to core deposits | 90.1436% | 2,521 |
| Total domestic deposits to total assets | 83.3460% | 3,526 |
| Equity capital to assets | 12.8923% | 1,566 |
| Core capital (leverage) ratio | 11.9586% | 1,652 |
| Tier 1 risk-based capital ratio | 15.0666% | 3,049 |
| Total risk-based capital ratio | 16.3341% | 2,975 |
| Memoranda: | ||
| Average total assets | $465,814,670 | 1,474 |
| Average earning assets | $426,198,330 | 1,490 |
| Average equity | $56,834,000 | 1,360 |
| Average total loans | $331,039,330 | 1,411 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0580% | 3,005 |
| Cost of funding earning assets | 0.3661% | 3,438 |
| Net interest margin | 3.6918% | 2,701 |
| Noninterest income to average assets | 0.5260% | 2,957 |
| Noninterest expense to average assets | 2.1615% | 4,999 |
| Loan and lease loss provision to assets | 0.1928% | 1,028 |
| Net operating income to assets | 1.0173% | 2,200 |
| Return on assets (ROA) | 1.0173% | 2,320 |
| Pretax return on assets | 1.5653% | 1,389 |
| Return on Equity (ROE) | 8.5699% | 2,623 |
| Retained earnings to average equity (ytd only) | 8.5699% | 1,239 |
| Net charge-offs to loans | -0.0048% | 4,280 |
| Credit loss provision to net charge-offs | -5,700.0000% | 5,026 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5426% | 5,542 |
| Assets per employee ($millions) | 5.6050% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8367% | 260 |
| Loan loss allowance to noncurrent loans | 670.3838% | 806 |
| Noncurrent assets plus other real estate owned to assets | 0.3042% | 4,355 |
| Noncurrent loans to loans | 0.4231% | 3,927 |
| Net loans and leases to total assets | 69.8477% | 2,367 |
| Net loans and leases to deposits | 85.2922% | 2,153 |
| Net loans and leases to core deposits | 91.5971% | 2,226 |
| Total domestic deposits to total assets | 81.8923% | 4,259 |
| Equity capital to assets | 12.5122% | 1,675 |
| Core capital (leverage) ratio | 11.0151% | 2,395 |
| Tier 1 risk-based capital ratio | 14.7914% | 3,248 |
| Total risk-based capital ratio | 16.0585% | 3,179 |
| Memoranda: | ||
| Average total assets | $472,998,500 | 1,451 |
| Average earning assets | $434,799,500 | 1,468 |
| Average equity | $56,150,000 | 1,373 |
| Average total loans | $333,537,000 | 1,389 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9440% | 698 |
| Cost of funding earning assets | 0.3310% | 3,896 |
| Net interest margin | 4.6130% | 529 |
| Noninterest income to average assets | 0.5366% | 3,096 |
| Noninterest expense to average assets | 2.3177% | 4,730 |
| Loan and lease loss provision to assets | 0.7276% | 136 |
| Net operating income to assets | 1.0712% | 2,038 |
| Return on assets (ROA) | 1.0814% | 2,068 |
| Pretax return on assets | 1.6760% | 1,052 |
| Return on Equity (ROE) | 9.2303% | 2,359 |
| Retained earnings to average equity (ytd only) | 9.2303% | 602 |
| Net charge-offs to loans | -0.0146% | 5,197 |
| Credit loss provision to net charge-offs | -6,850.0000% | 5,746 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.6353% | 5,893 |
| Assets per employee ($millions) | 6.1499% | 1,284 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6492% | 339 |
| Loan loss allowance to noncurrent loans | 645.1751% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.2844% | 4,445 |
| Noncurrent loans to loans | 0.4106% | 3,981 |
| Net loans and leases to total assets | 67.4153% | 2,797 |
| Net loans and leases to deposits | 79.4863% | 2,884 |
| Net loans and leases to core deposits | 84.6761% | 2,918 |
| Total domestic deposits to total assets | 84.8138% | 3,168 |
| Equity capital to assets | 11.2795% | 2,558 |
| Core capital (leverage) ratio | 10.9255% | 2,469 |
| Tier 1 risk-based capital ratio | 13.6801% | 3,902 |
| Total risk-based capital ratio | 14.9446% | 3,823 |
| Memoranda: | ||
| Average total assets | $451,913,600 | 1,485 |
| Average earning assets | $408,410,600 | 1,504 |
| Average equity | $52,945,200 | 1,408 |
| Average total loans | $329,518,800 | 1,357 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2354% | 418 |
| Cost of funding earning assets | 0.3389% | 3,872 |
| Net interest margin | 4.8965% | 311 |
| Noninterest income to average assets | 0.5663% | 2,943 |
| Noninterest expense to average assets | 2.4684% | 4,290 |
| Loan and lease loss provision to assets | 0.8898% | 75 |
| Net operating income to assets | 1.0440% | 2,250 |
| Return on assets (ROA) | 1.0440% | 2,340 |
| Pretax return on assets | 1.6067% | 1,362 |
| Return on Equity (ROE) | 8.8193% | 2,670 |
| Retained earnings to average equity (ytd only) | 8.8193% | 969 |
| Net charge-offs to loans | -0.0155% | 5,118 |
| Credit loss provision to net charge-offs | -7,760.5263% | 5,719 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1832% | 5,912 |
| Assets per employee ($millions) | 5.7390% | 1,557 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6144% | 373 |
| Loan loss allowance to noncurrent loans | 490.7240% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.6557% | 3,287 |
| Noncurrent loans to loans | 0.5328% | 3,744 |
| Net loans and leases to total assets | 71.2823% | 2,179 |
| Net loans and leases to deposits | 86.0013% | 2,139 |
| Net loans and leases to core deposits | 94.3360% | 2,043 |
| Total domestic deposits to total assets | 82.8851% | 3,851 |
| Equity capital to assets | 11.9350% | 2,154 |
| Core capital (leverage) ratio | 11.1942% | 2,310 |
| Tier 1 risk-based capital ratio | 13.6288% | 4,066 |
| Total risk-based capital ratio | 14.8931% | 3,987 |
| Memoranda: | ||
| Average total assets | $441,894,000 | 1,524 |
| Average earning assets | $396,952,500 | 1,554 |
| Average equity | $52,308,000 | 1,431 |
| Average total loans | $326,722,500 | 1,374 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2953% | 363 |
| Cost of funding earning assets | 0.3428% | 3,890 |
| Net interest margin | 4.9525% | 276 |
| Noninterest income to average assets | 0.6113% | 2,673 |
| Noninterest expense to average assets | 2.5170% | 4,187 |
| Loan and lease loss provision to assets | 0.9556% | 78 |
| Net operating income to assets | 1.0364% | 2,197 |
| Return on assets (ROA) | 1.0364% | 2,315 |
| Pretax return on assets | 1.5911% | 1,351 |
| Return on Equity (ROE) | 8.7802% | 2,671 |
| Retained earnings to average equity (ytd only) | 8.7802% | 998 |
| Net charge-offs to loans | -0.0178% | 5,138 |
| Credit loss provision to net charge-offs | -7,217.2414% | 5,615 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 47.1914% | 5,997 |
| Assets per employee ($millions) | 5.2825% | 1,943 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3681% | 576 |
| Loan loss allowance to noncurrent loans | 539.1304% | 979 |
| Noncurrent assets plus other real estate owned to assets | 0.6035% | 3,611 |
| Noncurrent loans to loans | 0.4392% | 4,165 |
| Net loans and leases to total assets | 74.3555% | 1,603 |
| Net loans and leases to deposits | 89.3916% | 1,673 |
| Net loans and leases to core deposits | 98.0818% | 1,647 |
| Total domestic deposits to total assets | 83.1795% | 3,877 |
| Equity capital to assets | 12.1701% | 1,898 |
| Core capital (leverage) ratio | 10.9575% | 2,472 |
| Tier 1 risk-based capital ratio | 13.4031% | 4,275 |
| Total risk-based capital ratio | 14.6643% | 4,200 |
| Memoranda: | ||
| Average total assets | $438,064,670 | 1,543 |
| Average earning assets | $393,817,330 | 1,571 |
| Average equity | $51,707,000 | 1,454 |
| Average total loans | $325,011,000 | 1,380 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6986% | 194 |
| Cost of funding earning assets | 0.3396% | 3,987 |
| Net interest margin | 5.3589% | 141 |
| Noninterest income to average assets | 0.5294% | 3,096 |
| Noninterest expense to average assets | 2.5752% | 4,017 |
| Loan and lease loss provision to assets | 1.3747% | 47 |
| Net operating income to assets | 0.9171% | 2,667 |
| Return on assets (ROA) | 0.9171% | 2,785 |
| Pretax return on assets | 1.3938% | 1,905 |
| Return on Equity (ROE) | 7.8902% | 3,009 |
| Retained earnings to average equity (ytd only) | 7.8902% | 1,609 |
| Net charge-offs to loans | -0.0087% | 4,662 |
| Credit loss provision to net charge-offs | -21,628.5714% | 5,340 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 45.6415% | 6,121 |
| Assets per employee ($millions) | 5.4771% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2356% | 769 |
| Loan loss allowance to noncurrent loans | 239.0584% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.7155% | 3,352 |
| Noncurrent loans to loans | 0.9352% | 2,908 |
| Net loans and leases to total assets | 72.8693% | 1,678 |
| Net loans and leases to deposits | 89.0311% | 1,501 |
| Net loans and leases to core deposits | 99.0544% | 1,390 |
| Total domestic deposits to total assets | 81.8470% | 4,552 |
| Equity capital to assets | 11.9650% | 2,052 |
| Core capital (leverage) ratio | 10.8813% | 2,534 |
| Tier 1 risk-based capital ratio | 13.3301% | 4,410 |
| Total risk-based capital ratio | 14.5899% | 4,318 |
| Memoranda: | ||
| Average total assets | $440,516,500 | 1,548 |
| Average earning assets | $395,749,500 | 1,578 |
| Average equity | $51,202,500 | 1,473 |
| Average total loans | $322,571,000 | 1,390 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1315% | 3,201 |
| Cost of funding earning assets | 0.2681% | 5,124 |
| Net interest margin | 3.8634% | 2,383 |
| Noninterest income to average assets | 0.5376% | 3,257 |
| Noninterest expense to average assets | 2.4387% | 4,731 |
| Loan and lease loss provision to assets | 0.1425% | 1,866 |
| Net operating income to assets | 0.9016% | 2,862 |
| Return on assets (ROA) | 0.9046% | 2,935 |
| Pretax return on assets | 1.3055% | 2,224 |
| Return on Equity (ROE) | 5.7909% | 4,266 |
| Retained earnings to average equity (ytd only) | -60.4125% | 6,491 |
| Net charge-offs to loans | -0.4145% | 6,374 |
| Credit loss provision to net charge-offs | -61.3915% | 5,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5937% | 4,971 |
| Assets per employee ($millions) | 5.6752% | 1,624 |
| Cash dividends to net income (ytd only)* | 1,143.2272% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7633% | 1,618 |
| Loan loss allowance to noncurrent loans | 256.2613% | 1,860 |
| Noncurrent assets plus other real estate owned to assets | 0.5130% | 4,091 |
| Noncurrent loans to loans | 0.6881% | 3,622 |
| Net loans and leases to total assets | 70.6925% | 2,128 |
| Net loans and leases to deposits | 84.9362% | 2,106 |
| Net loans and leases to core deposits | 94.4269% | 1,879 |
| Total domestic deposits to total assets | 83.2301% | 3,999 |
| Equity capital to assets | 11.2935% | 2,607 |
| Core capital (leverage) ratio | 10.1820% | 3,333 |
| Tier 1 risk-based capital ratio | 12.6251% | 4,960 |
| Total risk-based capital ratio | 13.8794% | 4,869 |
| Memoranda: | ||
| Average total assets | $315,819,000 | 2,059 |
| Average earning assets | $273,408,800 | 2,173 |
| Average equity | $49,335,800 | 1,462 |
| Average total loans | $176,821,600 | 2,261 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4623% | 5,466 |
| Cost of funding earning assets | 0.2146% | 5,721 |
| Net interest margin | 3.2477% | 4,797 |
| Noninterest income to average assets | 0.5509% | 3,197 |
| Noninterest expense to average assets | 1.8814% | 5,983 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0041% | 2,436 |
| Return on assets (ROA) | 1.0041% | 2,498 |
| Pretax return on assets | 1.4461% | 1,821 |
| Return on Equity (ROE) | 5.7917% | 4,345 |
| Retained earnings to average equity (ytd only) | 1.7111% | 5,193 |
| Net charge-offs to loans | -0.9109% | 6,510 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5415% | 5,609 |
| Assets per employee ($millions) | 5.1282% | 2,102 |
| Cash dividends to net income (ytd only)* | 70.4555% | 1,008 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7540% | 194 |
| Loan loss allowance to noncurrent loans | 1,015.7993% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.2232% | 5,329 |
| Noncurrent loans to loans | 0.3696% | 4,803 |
| Net loans and leases to total assets | 50.5962% | 4,934 |
| Net loans and leases to deposits | 67.5874% | 4,175 |
| Net loans and leases to core deposits | 70.6477% | 4,271 |
| Total domestic deposits to total assets | 74.8604% | 5,936 |
| Equity capital to assets | 18.0470% | 332 |
| Core capital (leverage) ratio | 18.2914% | 284 |
| Tier 1 risk-based capital ratio | 29.7122% | 542 |
| Total risk-based capital ratio | 30.9874% | 530 |
| Memoranda: | ||
| Average total assets | $282,689,000 | 2,270 |
| Average earning assets | $241,685,750 | 2,427 |
| Average equity | $49,011,500 | 1,470 |
| Average total loans | $140,369,250 | 2,725 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3895% | 5,643 |
| Cost of funding earning assets | 0.2175% | 5,774 |
| Net interest margin | 3.1720% | 5,036 |
| Noninterest income to average assets | 0.5418% | 3,193 |
| Noninterest expense to average assets | 1.8235% | 6,112 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.0042% | 2,307 |
| Return on assets (ROA) | 1.0042% | 2,373 |
| Pretax return on assets | 1.4448% | 1,736 |
| Return on Equity (ROE) | 5.8698% | 4,231 |
| Retained earnings to average equity (ytd only) | -0.2916% | 5,730 |
| Net charge-offs to loans | -0.0101% | 5,323 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7945% | 5,764 |
| Assets per employee ($millions) | 4.9258% | 2,308 |
| Cash dividends to net income (ytd only)* | 104.9685% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2830% | 281 |
| Loan loss allowance to noncurrent loans | 350.1164% | 1,312 |
| Noncurrent assets plus other real estate owned to assets | 0.5147% | 4,462 |
| Noncurrent loans to loans | 0.9377% | 3,371 |
| Net loans and leases to total assets | 49.9838% | 4,964 |
| Net loans and leases to deposits | 64.8540% | 4,395 |
| Net loans and leases to core deposits | 68.4864% | 4,416 |
| Total domestic deposits to total assets | 77.0713% | 5,793 |
| Equity capital to assets | 18.4974% | 294 |
| Core capital (leverage) ratio | 17.6202% | 317 |
| Tier 1 risk-based capital ratio | 30.6870% | 494 |
| Total risk-based capital ratio | 31.9566% | 489 |
| Memoranda: | ||
| Average total assets | $284,611,330 | 2,258 |
| Average earning assets | $244,639,330 | 2,395 |
| Average equity | $48,690,000 | 1,470 |
| Average total loans | $138,633,330 | 2,754 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2975% | 5,845 |
| Cost of funding earning assets | 0.2216% | 5,838 |
| Net interest margin | 3.0758% | 5,321 |
| Noninterest income to average assets | 0.5416% | 3,103 |
| Noninterest expense to average assets | 1.8291% | 6,180 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9594% | 2,362 |
| Return on assets (ROA) | 0.9594% | 2,432 |
| Pretax return on assets | 1.3759% | 1,829 |
| Return on Equity (ROE) | 5.8224% | 4,121 |
| Retained earnings to average equity (ytd only) | -6.5656% | 6,210 |
| Net charge-offs to loans | -0.0115% | 5,107 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0701% | 5,747 |
| Assets per employee ($millions) | 6.1325% | 1,215 |
| Cash dividends to net income (ytd only)* | 212.7660% | 224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2829% | 332 |
| Loan loss allowance to noncurrent loans | 333.3333% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.4409% | 4,812 |
| Noncurrent loans to loans | 0.9849% | 3,455 |
| Net loans and leases to total assets | 40.8793% | 5,755 |
| Net loans and leases to deposits | 52.2220% | 5,443 |
| Net loans and leases to core deposits | 54.6065% | 5,461 |
| Total domestic deposits to total assets | 78.2798% | 5,791 |
| Equity capital to assets | 14.8226% | 709 |
| Core capital (leverage) ratio | 16.2107% | 457 |
| Tier 1 risk-based capital ratio | 28.0256% | 641 |
| Total risk-based capital ratio | 29.2927% | 626 |
| Memoranda: | ||
| Average total assets | $293,920,000 | 2,206 |
| Average earning assets | $254,499,000 | 2,323 |
| Average equity | $48,434,000 | 1,476 |
| Average total loans | $139,216,500 | 2,750 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4673% | 5,699 |
| Cost of funding earning assets | 0.2519% | 5,949 |
| Net interest margin | 3.2154% | 4,950 |
| Noninterest income to average assets | 0.9103% | 1,646 |
| Noninterest expense to average assets | 1.9304% | 6,140 |
| Loan and lease loss provision to assets | 0.1033% | 3,071 |
| Net operating income to assets | 1.1558% | 1,734 |
| Return on assets (ROA) | 1.1341% | 1,882 |
| Pretax return on assets | 1.6283% | 1,101 |
| Return on Equity (ROE) | 6.2203% | 3,961 |
| Retained earnings to average equity (ytd only) | 6.2203% | 1,833 |
| Net charge-offs to loans | 0.1587% | 3,215 |
| Credit loss provision to net charge-offs | 129.1866% | 1,813 |
| Earnings coverage of net charge-offs (x) | 22.0478% | 1,468 |
| Efficiency ratio | 51.6520% | 6,320 |
| Assets per employee ($millions) | 4.9588% | 2,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1945% | 373 |
| Loan loss allowance to noncurrent loans | 322.0872% | 1,386 |
| Noncurrent assets plus other real estate owned to assets | 0.5628% | 4,547 |
| Noncurrent loans to loans | 0.9918% | 3,536 |
| Net loans and leases to total assets | 51.9563% | 4,854 |
| Net loans and leases to deposits | 67.5908% | 4,110 |
| Net loans and leases to core deposits | 71.4864% | 4,127 |
| Total domestic deposits to total assets | 76.8689% | 5,991 |
| Equity capital to assets | 18.5267% | 287 |
| Core capital (leverage) ratio | 18.1851% | 289 |
| Tier 1 risk-based capital ratio | 29.9021% | 505 |
| Total risk-based capital ratio | 31.1710% | 500 |
| Memoranda: | ||
| Average total assets | $261,442,400 | 2,424 |
| Average earning assets | $226,257,400 | 2,554 |
| Average equity | $47,666,800 | 1,472 |
| Average total loans | $131,655,200 | 2,833 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4008% | 5,874 |
| Cost of funding earning assets | 0.2592% | 6,021 |
| Net interest margin | 3.1416% | 5,180 |
| Noninterest income to average assets | 0.9856% | 1,491 |
| Noninterest expense to average assets | 1.9915% | 6,023 |
| Loan and lease loss provision to assets | 0.0945% | 3,187 |
| Net operating income to assets | 1.1300% | 1,883 |
| Return on assets (ROA) | 1.1525% | 1,875 |
| Pretax return on assets | 1.6550% | 1,197 |
| Return on Equity (ROE) | 6.3472% | 4,010 |
| Retained earnings to average equity (ytd only) | 6.3472% | 2,212 |
| Net charge-offs to loans | 0.2031% | 2,607 |
| Credit loss provision to net charge-offs | 93.9086% | 2,533 |
| Earnings coverage of net charge-offs (x) | 17.0711% | 1,757 |
| Efficiency ratio | 53.0772% | 6,176 |
| Assets per employee ($millions) | 4.6933% | 2,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3035% | 412 |
| Loan loss allowance to noncurrent loans | 382.4849% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.5078% | 4,926 |
| Noncurrent loans to loans | 0.8637% | 4,093 |
| Net loans and leases to total assets | 51.1987% | 4,980 |
| Net loans and leases to deposits | 67.4842% | 4,120 |
| Net loans and leases to core deposits | 71.5792% | 4,142 |
| Total domestic deposits to total assets | 75.8677% | 6,184 |
| Equity capital to assets | 18.9523% | 256 |
| Core capital (leverage) ratio | 19.2760% | 226 |
| Tier 1 risk-based capital ratio | 30.6373% | 488 |
| Total risk-based capital ratio | 31.9072% | 487 |
| Memoranda: | ||
| Average total assets | $261,099,250 | 2,447 |
| Average earning assets | $226,333,750 | 2,561 |
| Average equity | $47,410,750 | 1,491 |
| Average total loans | $129,305,250 | 2,896 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3251% | 6,048 |
| Cost of funding earning assets | 0.2713% | 6,040 |
| Net interest margin | 3.0538% | 5,420 |
| Noninterest income to average assets | 1.0772% | 1,319 |
| Noninterest expense to average assets | 2.1066% | 5,857 |
| Loan and lease loss provision to assets | 0.0948% | 3,208 |
| Net operating income to assets | 1.0703% | 2,035 |
| Return on assets (ROA) | 1.1037% | 2,029 |
| Pretax return on assets | 1.5793% | 1,426 |
| Return on Equity (ROE) | 6.1648% | 4,066 |
| Retained earnings to average equity (ytd only) | 6.1648% | 2,341 |
| Net charge-offs to loans | 0.1394% | 2,986 |
| Credit loss provision to net charge-offs | 140.4494% | 1,615 |
| Earnings coverage of net charge-offs (x) | 24.0899% | 1,309 |
| Efficiency ratio | 55.8220% | 5,984 |
| Assets per employee ($millions) | 4.4671% | 2,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4005% | 399 |
| Loan loss allowance to noncurrent loans | 329.7277% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.6052% | 4,730 |
| Noncurrent loans to loans | 1.0313% | 3,870 |
| Net loans and leases to total assets | 51.8108% | 4,887 |
| Net loans and leases to deposits | 69.6267% | 3,766 |
| Net loans and leases to core deposits | 74.0808% | 3,803 |
| Total domestic deposits to total assets | 74.4123% | 6,409 |
| Equity capital to assets | 19.1959% | 245 |
| Core capital (leverage) ratio | 17.9263% | 292 |
| Tier 1 risk-based capital ratio | 30.8577% | 484 |
| Total risk-based capital ratio | 32.1287% | 476 |
| Memoranda: | ||
| Average total assets | $263,653,670 | 2,420 |
| Average earning assets | $229,285,670 | 2,547 |
| Average equity | $47,203,670 | 1,503 |
| Average total loans | $127,677,330 | 2,924 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2571% | 6,230 |
| Cost of funding earning assets | 0.2913% | 6,034 |
| Net interest margin | 2.9658% | 5,663 |
| Noninterest income to average assets | 1.0989% | 1,223 |
| Noninterest expense to average assets | 2.2051% | 5,677 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0162% | 2,158 |
| Return on assets (ROA) | 1.1004% | 1,959 |
| Pretax return on assets | 1.5831% | 1,339 |
| Return on Equity (ROE) | 6.3526% | 3,853 |
| Retained earnings to average equity (ytd only) | 6.3526% | 2,484 |
| Net charge-offs to loans | 0.0223% | 3,727 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 142.4286% | 280 |
| Efficiency ratio | 59.5200% | 5,656 |
| Assets per employee ($millions) | 5.4451% | 1,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5283% | 407 |
| Loan loss allowance to noncurrent loans | 274.4589% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.6340% | 4,792 |
| Noncurrent loans to loans | 1.2856% | 3,628 |
| Net loans and leases to total assets | 42.8558% | 5,768 |
| Net loans and leases to deposits | 56.5791% | 5,187 |
| Net loans and leases to core deposits | 59.7063% | 5,175 |
| Total domestic deposits to total assets | 75.7449% | 6,387 |
| Equity capital to assets | 16.7688% | 454 |
| Core capital (leverage) ratio | 16.2731% | 426 |
| Tier 1 risk-based capital ratio | 29.8636% | 540 |
| Total risk-based capital ratio | 31.1335% | 528 |
| Memoranda: | ||
| Average total assets | $272,636,500 | 2,369 |
| Average earning assets | $236,157,500 | 2,510 |
| Average equity | $47,224,500 | 1,526 |
| Average total loans | $125,629,000 | 2,975 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8801% | 5,637 |
| Cost of funding earning assets | 0.3516% | 6,201 |
| Net interest margin | 3.5285% | 4,383 |
| Noninterest income to average assets | 2.2035% | 381 |
| Noninterest expense to average assets | 2.1414% | 6,045 |
| Loan and lease loss provision to assets | 0.3866% | 1,688 |
| Net operating income to assets | 1.7774% | 534 |
| Return on assets (ROA) | 1.8625% | 509 |
| Pretax return on assets | 2.8466% | 164 |
| Return on Equity (ROE) | 9.8522% | 2,232 |
| Retained earnings to average equity (ytd only) | 9.8522% | 621 |
| Net charge-offs to loans | 0.7654% | 1,529 |
| Credit loss provision to net charge-offs | 97.0308% | 3,198 |
| Earnings coverage of net charge-offs (x) | 7.7858% | 2,527 |
| Efficiency ratio | 40.3546% | 6,920 |
| Assets per employee ($millions) | 4.9458% | 2,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5425% | 412 |
| Loan loss allowance to noncurrent loans | 270.7065% | 1,418 |
| Noncurrent assets plus other real estate owned to assets | 0.7477% | 4,607 |
| Noncurrent loans to loans | 1.3086% | 3,644 |
| Net loans and leases to total assets | 46.1725% | 5,593 |
| Net loans and leases to deposits | 63.6041% | 4,583 |
| Net loans and leases to core deposits | 67.5573% | 4,584 |
| Total domestic deposits to total assets | 72.5935% | 6,654 |
| Equity capital to assets | 17.9183% | 332 |
| Core capital (leverage) ratio | 16.6398% | 387 |
| Tier 1 risk-based capital ratio | 30.6793% | 484 |
| Total risk-based capital ratio | 31.9512% | 478 |
| Memoranda: | ||
| Average total assets | $236,669,200 | 2,666 |
| Average earning assets | $203,910,600 | 2,812 |
| Average equity | $44,741,200 | 1,557 |
| Average total loans | $123,209,000 | 3,019 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0227% | 5,451 |
| Cost of funding earning assets | 0.3603% | 6,330 |
| Net interest margin | 3.6624% | 3,957 |
| Noninterest income to average assets | 2.2138% | 365 |
| Noninterest expense to average assets | 2.2271% | 5,890 |
| Loan and lease loss provision to assets | 0.5297% | 1,121 |
| Net operating income to assets | 1.7063% | 678 |
| Return on assets (ROA) | 1.8248% | 604 |
| Pretax return on assets | 2.7846% | 196 |
| Return on Equity (ROE) | 9.5114% | 2,583 |
| Retained earnings to average equity (ytd only) | 9.5114% | 1,063 |
| Net charge-offs to loans | 1.0241% | 1,031 |
| Credit loss provision to net charge-offs | 97.1338% | 3,080 |
| Earnings coverage of net charge-offs (x) | 5.7484% | 2,936 |
| Efficiency ratio | 41.0494% | 6,993 |
| Assets per employee ($millions) | 4.4525% | 2,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5909% | 430 |
| Loan loss allowance to noncurrent loans | 292.5000% | 1,276 |
| Noncurrent assets plus other real estate owned to assets | 0.7645% | 4,791 |
| Noncurrent loans to loans | 1.2277% | 3,998 |
| Net loans and leases to total assets | 49.6463% | 5,355 |
| Net loans and leases to deposits | 67.9092% | 4,196 |
| Net loans and leases to core deposits | 73.0733% | 4,110 |
| Total domestic deposits to total assets | 73.1069% | 6,668 |
| Equity capital to assets | 19.0648% | 294 |
| Core capital (leverage) ratio | 18.5059% | 273 |
| Tier 1 risk-based capital ratio | 31.4876% | 460 |
| Total risk-based capital ratio | 32.7613% | 456 |
| Memoranda: | ||
| Average total assets | $230,304,500 | 2,747 |
| Average earning assets | $197,969,500 | 2,885 |
| Average equity | $44,184,250 | 1,593 |
| Average total loans | $122,642,250 | 3,065 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0436% | 5,504 |
| Cost of funding earning assets | 0.3709% | 6,414 |
| Net interest margin | 3.6727% | 3,951 |
| Noninterest income to average assets | 1.9019% | 430 |
| Noninterest expense to average assets | 2.1928% | 6,029 |
| Loan and lease loss provision to assets | 0.2820% | 2,323 |
| Net operating income to assets | 1.6946% | 680 |
| Return on assets (ROA) | 1.8922% | 532 |
| Pretax return on assets | 2.8908% | 174 |
| Return on Equity (ROE) | 9.8412% | 2,424 |
| Retained earnings to average equity (ytd only) | 9.8412% | 1,017 |
| Net charge-offs to loans | 1.4658% | 688 |
| Credit loss provision to net charge-offs | 35.7143% | 4,347 |
| Earnings coverage of net charge-offs (x) | 3.6328% | 3,318 |
| Efficiency ratio | 42.7999% | 6,992 |
| Assets per employee ($millions) | 4.1129% | 3,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1398% | 684 |
| Loan loss allowance to noncurrent loans | 329.4167% | 1,087 |
| Noncurrent assets plus other real estate owned to assets | 0.6758% | 5,083 |
| Noncurrent loans to loans | 0.9531% | 4,599 |
| Net loans and leases to total assets | 54.1291% | 4,777 |
| Net loans and leases to deposits | 72.8794% | 3,474 |
| Net loans and leases to core deposits | 79.1529% | 3,347 |
| Total domestic deposits to total assets | 74.2721% | 6,656 |
| Equity capital to assets | 20.1052% | 232 |
| Core capital (leverage) ratio | 18.8983% | 247 |
| Tier 1 risk-based capital ratio | 32.1730% | 432 |
| Total risk-based capital ratio | 33.4432% | 429 |
| Memoranda: | ||
| Average total assets | $226,928,330 | 2,789 |
| Average earning assets | $195,223,670 | 2,936 |
| Average equity | $43,633,000 | 1,603 |
| Average total loans | $122,252,330 | 3,084 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0135% | 5,715 |
| Cost of funding earning assets | 0.3872% | 6,474 |
| Net interest margin | 3.6263% | 4,146 |
| Noninterest income to average assets | 2.0807% | 380 |
| Noninterest expense to average assets | 2.4173% | 5,414 |
| Loan and lease loss provision to assets | 0.0349% | 4,946 |
| Net operating income to assets | 1.7877% | 611 |
| Return on assets (ROA) | 1.7877% | 686 |
| Pretax return on assets | 2.7156% | 249 |
| Return on Equity (ROE) | 9.5077% | 2,600 |
| Retained earnings to average equity (ytd only) | 9.5077% | 1,409 |
| Net charge-offs to loans | 0.0758% | 3,742 |
| Credit loss provision to net charge-offs | 86.9565% | 2,604 |
| Earnings coverage of net charge-offs (x) | 68.5652% | 492 |
| Efficiency ratio | 46.2707% | 6,886 |
| Assets per employee ($millions) | 4.4295% | 3,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7002% | 464 |
| Loan loss allowance to noncurrent loans | 3,820.5128% | 138 |
| Noncurrent assets plus other real estate owned to assets | 0.2093% | 6,363 |
| Noncurrent loans to loans | 0.0969% | 6,518 |
| Net loans and leases to total assets | 50.5062% | 5,232 |
| Net loans and leases to deposits | 70.9447% | 3,599 |
| Net loans and leases to core deposits | 76.9052% | 3,486 |
| Total domestic deposits to total assets | 71.1910% | 6,925 |
| Equity capital to assets | 18.9477% | 282 |
| Core capital (leverage) ratio | 17.9976% | 297 |
| Tier 1 risk-based capital ratio | 31.4798% | 462 |
| Total risk-based capital ratio | 32.7554% | 452 |
| Memoranda: | ||
| Average total assets | $229,344,000 | 2,771 |
| Average earning assets | $195,239,500 | 2,960 |
| Average equity | $43,123,000 | 1,616 |
| Average total loans | $121,320,500 | 3,121 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9125% | 6,596 |
| Cost of funding earning assets | 0.4585% | 6,709 |
| Net interest margin | 3.4540% | 5,314 |
| Noninterest income to average assets | 0.8908% | 1,707 |
| Noninterest expense to average assets | 2.2434% | 6,179 |
| Loan and lease loss provision to assets | 0.0151% | 6,362 |
| Net operating income to assets | 1.1605% | 1,636 |
| Return on assets (ROA) | 1.1605% | 1,743 |
| Pretax return on assets | 1.7148% | 958 |
| Return on Equity (ROE) | 6.5827% | 3,599 |
| Retained earnings to average equity (ytd only) | 6.5827% | 1,703 |
| Net charge-offs to loans | 0.0521% | 5,797 |
| Credit loss provision to net charge-offs | 53.0303% | 5,347 |
| Earnings coverage of net charge-offs (x) | 60.8485% | 475 |
| Efficiency ratio | 55.8109% | 6,333 |
| Assets per employee ($millions) | 4.4775% | 2,950 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6713% | 476 |
| Loan loss allowance to noncurrent loans | 2,744.1718% | 176 |
| Noncurrent assets plus other real estate owned to assets | 0.3337% | 6,136 |
| Noncurrent loans to loans | 0.1338% | 6,475 |
| Net loans and leases to total assets | 51.3961% | 5,402 |
| Net loans and leases to deposits | 69.1098% | 4,258 |
| Net loans and leases to core deposits | 74.1044% | 4,228 |
| Total domestic deposits to total assets | 74.3687% | 6,680 |
| Equity capital to assets | 18.6566% | 300 |
| Core capital (leverage) ratio | 17.6890% | 317 |
| Tier 1 risk-based capital ratio | 30.5850% | 489 |
| Total risk-based capital ratio | 31.8608% | 478 |
| Memoranda: | ||
| Average total assets | $232,149,800 | 2,700 |
| Average earning assets | $207,181,200 | 2,763 |
| Average equity | $40,925,400 | 1,642 |
| Average total loans | $126,783,400 | 3,044 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8964% | 6,735 |
| Cost of funding earning assets | 0.4687% | 6,823 |
| Net interest margin | 3.4277% | 5,473 |
| Noninterest income to average assets | 0.8351% | 1,904 |
| Noninterest expense to average assets | 2.1438% | 6,419 |
| Loan and lease loss provision to assets | 0.0143% | 6,252 |
| Net operating income to assets | 1.1972% | 1,662 |
| Return on assets (ROA) | 1.1972% | 1,775 |
| Pretax return on assets | 1.7766% | 997 |
| Return on Equity (ROE) | 6.8893% | 3,578 |
| Retained earnings to average equity (ytd only) | 6.8893% | 2,033 |
| Net charge-offs to loans | 0.0667% | 5,292 |
| Credit loss provision to net charge-offs | 39.0625% | 5,272 |
| Earnings coverage of net charge-offs (x) | 48.9225% | 660 |
| Efficiency ratio | 53.8305% | 6,506 |
| Assets per employee ($millions) | 4.4704% | 2,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5637% | 537 |
| Loan loss allowance to noncurrent loans | 424.4297% | 756 |
| Noncurrent assets plus other real estate owned to assets | 0.4655% | 5,923 |
| Noncurrent loans to loans | 0.8396% | 5,197 |
| Net loans and leases to total assets | 51.9771% | 5,448 |
| Net loans and leases to deposits | 72.7838% | 3,835 |
| Net loans and leases to core deposits | 78.5560% | 3,819 |
| Total domestic deposits to total assets | 71.4130% | 6,969 |
| Equity capital to assets | 18.0425% | 383 |
| Core capital (leverage) ratio | 16.7086% | 422 |
| Tier 1 risk-based capital ratio | 29.5570% | 568 |
| Total risk-based capital ratio | 30.8319% | 553 |
| Memoranda: | ||
| Average total assets | $233,098,750 | 2,698 |
| Average earning assets | $210,786,250 | 2,726 |
| Average equity | $40,506,000 | 1,662 |
| Average total loans | $128,019,750 | 3,043 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8756% | 6,838 |
| Cost of funding earning assets | 0.4711% | 6,946 |
| Net interest margin | 3.4045% | 5,544 |
| Noninterest income to average assets | 0.5949% | 3,175 |
| Noninterest expense to average assets | 2.0085% | 6,773 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.1564% | 1,700 |
| Return on assets (ROA) | 1.1564% | 1,778 |
| Pretax return on assets | 1.7084% | 1,040 |
| Return on Equity (ROE) | 6.7404% | 3,561 |
| Retained earnings to average equity (ytd only) | 6.7404% | 1,992 |
| Net charge-offs to loans | 0.0589% | 5,061 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 52.4474% | 606 |
| Efficiency ratio | 53.3441% | 6,680 |
| Assets per employee ($millions) | 4.4420% | 2,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5378% | 582 |
| Loan loss allowance to noncurrent loans | 865.5039% | 420 |
| Noncurrent assets plus other real estate owned to assets | 0.2688% | 6,456 |
| Noncurrent loans to loans | 0.4088% | 6,085 |
| Net loans and leases to total assets | 52.7184% | 5,472 |
| Net loans and leases to deposits | 70.4233% | 4,381 |
| Net loans and leases to core deposits | 76.7255% | 4,222 |
| Total domestic deposits to total assets | 74.8593% | 6,745 |
| Equity capital to assets | 17.7471% | 408 |
| Core capital (leverage) ratio | 17.3128% | 380 |
| Tier 1 risk-based capital ratio | 28.6516% | 617 |
| Total risk-based capital ratio | 29.9263% | 602 |
| Memoranda: | ||
| Average total assets | $233,311,000 | 2,725 |
| Average earning assets | $213,954,000 | 2,713 |
| Average equity | $40,027,330 | 1,674 |
| Average total loans | $128,929,000 | 3,059 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9761% | 6,734 |
| Cost of funding earning assets | 0.4961% | 6,982 |
| Net interest margin | 3.4800% | 5,099 |
| Noninterest income to average assets | 0.6380% | 2,911 |
| Noninterest expense to average assets | 2.1256% | 6,580 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 1.1259% | 1,750 |
| Return on assets (ROA) | 1.1259% | 1,794 |
| Pretax return on assets | 1.6599% | 1,059 |
| Return on Equity (ROE) | 6.6760% | 3,543 |
| Retained earnings to average equity (ytd only) | 6.6760% | 2,288 |
| Net charge-offs to loans | 0.1167% | 3,835 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 25.6053% | 956 |
| Efficiency ratio | 55.4754% | 6,561 |
| Assets per employee ($millions) | 4.4997% | 2,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4867% | 611 |
| Loan loss allowance to noncurrent loans | 860.5010% | 424 |
| Noncurrent assets plus other real estate owned to assets | 0.2376% | 6,581 |
| Noncurrent loans to loans | 0.4052% | 6,189 |
| Net loans and leases to total assets | 52.8318% | 5,482 |
| Net loans and leases to deposits | 75.7985% | 3,452 |
| Net loans and leases to core deposits | 83.2182% | 3,276 |
| Total domestic deposits to total assets | 69.7003% | 7,198 |
| Equity capital to assets | 17.0698% | 436 |
| Core capital (leverage) ratio | 16.6427% | 426 |
| Tier 1 risk-based capital ratio | 27.5752% | 663 |
| Total risk-based capital ratio | 28.8492% | 643 |
| Memoranda: | ||
| Average total assets | $234,474,500 | 2,732 |
| Average earning assets | $212,066,000 | 2,755 |
| Average equity | $39,544,500 | 1,683 |
| Average total loans | $130,275,000 | 3,059 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1564% | 6,980 |
| Cost of funding earning assets | 0.6946% | 6,903 |
| Net interest margin | 3.4618% | 5,392 |
| Noninterest income to average assets | 1.3239% | 840 |
| Noninterest expense to average assets | 2.1515% | 6,728 |
| Loan and lease loss provision to assets | 0.0857% | 6,294 |
| Net operating income to assets | 1.4825% | 798 |
| Return on assets (ROA) | 1.3033% | 1,223 |
| Pretax return on assets | 1.9121% | 592 |
| Return on Equity (ROE) | 7.8923% | 2,742 |
| Retained earnings to average equity (ytd only) | 7.8923% | 1,015 |
| Net charge-offs to loans | -0.0252% | 7,385 |
| Credit loss provision to net charge-offs | -573.5294% | 7,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 48.1585% | 7,257 |
| Assets per employee ($millions) | 4.5185% | 2,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4001% | 635 |
| Loan loss allowance to noncurrent loans | 866.1538% | 411 |
| Noncurrent assets plus other real estate owned to assets | 0.2371% | 6,643 |
| Noncurrent loans to loans | 0.3926% | 6,264 |
| Net loans and leases to total assets | 54.4601% | 5,578 |
| Net loans and leases to deposits | 72.8541% | 4,373 |
| Net loans and leases to core deposits | 79.9207% | 4,233 |
| Total domestic deposits to total assets | 74.7522% | 6,801 |
| Equity capital to assets | 16.6613% | 499 |
| Core capital (leverage) ratio | 16.2545% | 483 |
| Tier 1 risk-based capital ratio | 26.7743% | 682 |
| Total risk-based capital ratio | 28.0478% | 672 |
| Memoranda: | ||
| Average total assets | $227,660,400 | 2,785 |
| Average earning assets | $203,132,400 | 2,831 |
| Average equity | $37,593,400 | 1,754 |
| Average total loans | $134,886,600 | 3,035 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2887% | 6,977 |
| Cost of funding earning assets | 0.7373% | 6,952 |
| Net interest margin | 3.5513% | 5,108 |
| Noninterest income to average assets | 1.2292% | 917 |
| Noninterest expense to average assets | 2.1909% | 6,627 |
| Loan and lease loss provision to assets | 0.0413% | 6,676 |
| Net operating income to assets | 1.4736% | 969 |
| Return on assets (ROA) | 1.3130% | 1,383 |
| Pretax return on assets | 1.9199% | 740 |
| Return on Equity (ROE) | 7.9701% | 2,912 |
| Retained earnings to average equity (ytd only) | 7.9701% | 1,430 |
| Net charge-offs to loans | -0.0344% | 7,422 |
| Credit loss provision to net charge-offs | -200.0000% | 6,948 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3206% | 7,194 |
| Assets per employee ($millions) | 4.4720% | 2,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0821% | 769 |
| Loan loss allowance to noncurrent loans | 835.8779% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.4111% | 6,393 |
| Noncurrent loans to loans | 0.3687% | 6,455 |
| Net loans and leases to total assets | 59.2278% | 5,060 |
| Net loans and leases to deposits | 81.6933% | 3,156 |
| Net loans and leases to core deposits | 92.2901% | 2,752 |
| Total domestic deposits to total assets | 72.5001% | 7,083 |
| Equity capital to assets | 16.5776% | 579 |
| Core capital (leverage) ratio | 17.1114% | 423 |
| Tier 1 risk-based capital ratio | 25.7504% | 794 |
| Total risk-based capital ratio | 27.0221% | 776 |
| Memoranda: | ||
| Average total assets | $225,834,750 | 2,841 |
| Average earning assets | $200,896,250 | 2,903 |
| Average equity | $37,204,750 | 1,794 |
| Average total loans | $135,492,000 | 3,066 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3392% | 6,982 |
| Cost of funding earning assets | 0.7886% | 6,950 |
| Net interest margin | 3.5506% | 5,043 |
| Noninterest income to average assets | 0.7755% | 2,254 |
| Noninterest expense to average assets | 2.1807% | 6,694 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.2093% | 1,533 |
| Return on assets (ROA) | 1.2093% | 1,605 |
| Pretax return on assets | 1.7361% | 987 |
| Return on Equity (ROE) | 7.3566% | 3,160 |
| Retained earnings to average equity (ytd only) | 7.3566% | 1,688 |
| Net charge-offs to loans | -0.0315% | 7,359 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9897% | 6,765 |
| Assets per employee ($millions) | 3.9542% | 3,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0768% | 776 |
| Loan loss allowance to noncurrent loans | 3,230.0752% | 127 |
| Noncurrent assets plus other real estate owned to assets | 0.2868% | 6,699 |
| Noncurrent loans to loans | 0.0953% | 7,076 |
| Net loans and leases to total assets | 64.5743% | 4,140 |
| Net loans and leases to deposits | 86.7961% | 2,376 |
| Net loans and leases to core deposits | 98.6456% | 2,160 |
| Total domestic deposits to total assets | 74.3977% | 6,930 |
| Equity capital to assets | 17.7873% | 439 |
| Core capital (leverage) ratio | 16.0682% | 559 |
| Tier 1 risk-based capital ratio | 25.4842% | 810 |
| Total risk-based capital ratio | 26.7558% | 794 |
| Memoranda: | ||
| Average total assets | $223,598,670 | 2,888 |
| Average earning assets | $197,825,670 | 2,978 |
| Average equity | $36,756,330 | 1,810 |
| Average total loans | $133,286,000 | 3,147 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1842% | 7,284 |
| Cost of funding earning assets | 0.7863% | 7,131 |
| Net interest margin | 3.3980% | 5,590 |
| Noninterest income to average assets | 0.6435% | 2,968 |
| Noninterest expense to average assets | 1.9531% | 7,244 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.1864% | 1,577 |
| Return on assets (ROA) | 1.1864% | 1,653 |
| Pretax return on assets | 1.6964% | 1,067 |
| Return on Equity (ROE) | 7.4967% | 3,118 |
| Retained earnings to average equity (ytd only) | 7.4967% | 1,927 |
| Net charge-offs to loans | -0.0031% | 6,776 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.8042% | 7,072 |
| Assets per employee ($millions) | 4.3716% | 3,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2688% | 656 |
| Loan loss allowance to noncurrent loans | 3,366.9291% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.3123% | 6,693 |
| Noncurrent loans to loans | 0.0971% | 7,151 |
| Net loans and leases to total assets | 55.6636% | 5,797 |
| Net loans and leases to deposits | 79.0789% | 3,824 |
| Net loans and leases to core deposits | 87.0434% | 3,742 |
| Total domestic deposits to total assets | 70.3899% | 7,386 |
| Equity capital to assets | 16.2009% | 643 |
| Core capital (leverage) ratio | 15.8083% | 610 |
| Tier 1 risk-based capital ratio | 25.1672% | 843 |
| Total risk-based capital ratio | 26.4385% | 821 |
| Memoranda: | ||
| Average total assets | $230,612,500 | 2,871 |
| Average earning assets | $204,003,500 | 2,940 |
| Average equity | $36,496,000 | 1,844 |
| Average total loans | $130,116,500 | 3,256 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7490% | 7,057 |
| Cost of funding earning assets | 1.0213% | 7,168 |
| Net interest margin | 3.7277% | 4,016 |
| Noninterest income to average assets | 1.1688% | 1,125 |
| Noninterest expense to average assets | 2.2738% | 6,812 |
| Loan and lease loss provision to assets | 0.1849% | 5,860 |
| Net operating income to assets | 1.4802% | 699 |
| Return on assets (ROA) | 1.1487% | 1,412 |
| Pretax return on assets | 1.5720% | 1,028 |
| Return on Equity (ROE) | 7.4308% | 2,607 |
| Retained earnings to average equity (ytd only) | 7.4308% | 833 |
| Net charge-offs to loans | 0.2936% | 4,798 |
| Credit loss provision to net charge-offs | 100.4843% | 5,490 |
| Earnings coverage of net charge-offs (x) | 12.0145% | 1,541 |
| Efficiency ratio | 50.1043% | 7,534 |
| Assets per employee ($millions) | 4.4133% | 3,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3031% | 605 |
| Loan loss allowance to noncurrent loans | 3,214.2857% | 128 |
| Noncurrent assets plus other real estate owned to assets | 0.3061% | 6,675 |
| Noncurrent loans to loans | 0.1028% | 7,155 |
| Net loans and leases to total assets | 53.5036% | 6,249 |
| Net loans and leases to deposits | 69.4093% | 5,679 |
| Net loans and leases to core deposits | 80.4411% | 6,046 |
| Total domestic deposits to total assets | 77.0842% | 6,458 |
| Equity capital to assets | 15.4610% | 801 |
| Core capital (leverage) ratio | 13.3927% | 1,126 |
| Tier 1 risk-based capital ratio | 24.4455% | 907 |
| Total risk-based capital ratio | 25.7166% | 880 |
| Memoranda: | ||
| Average total assets | $224,426,800 | 2,883 |
| Average earning assets | $199,641,200 | 2,976 |
| Average equity | $34,693,400 | 1,937 |
| Average total loans | $140,663,800 | 3,068 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9022% | 6,881 |
| Cost of funding earning assets | 1.0742% | 7,234 |
| Net interest margin | 3.8280% | 3,538 |
| Noninterest income to average assets | 1.2963% | 922 |
| Noninterest expense to average assets | 2.5482% | 5,902 |
| Loan and lease loss provision to assets | 0.2252% | 5,167 |
| Net operating income to assets | 1.3612% | 1,101 |
| Return on assets (ROA) | 1.3612% | 1,159 |
| Pretax return on assets | 1.9142% | 641 |
| Return on Equity (ROE) | 8.8056% | 2,338 |
| Retained earnings to average equity (ytd only) | 8.8056% | 892 |
| Net charge-offs to loans | 0.3438% | 3,918 |
| Credit loss provision to net charge-offs | 101.3514% | 5,018 |
| Earnings coverage of net charge-offs (x) | 9.6298% | 2,083 |
| Efficiency ratio | 53.7851% | 7,260 |
| Assets per employee ($millions) | 4.2797% | 3,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1952% | 566 |
| Loan loss allowance to noncurrent loans | 2,991.6084% | 129 |
| Noncurrent assets plus other real estate owned to assets | 0.3917% | 6,479 |
| Noncurrent loans to loans | 0.1068% | 7,208 |
| Net loans and leases to total assets | 55.0628% | 6,261 |
| Net loans and leases to deposits | 73.1923% | 5,485 |
| Net loans and leases to core deposits | 85.3157% | 5,937 |
| Total domestic deposits to total assets | 75.2303% | 6,733 |
| Equity capital to assets | 15.0116% | 1,000 |
| Core capital (leverage) ratio | 14.3658% | 991 |
| Tier 1 risk-based capital ratio | 23.1564% | 1,090 |
| Total risk-based capital ratio | 24.4262% | 1,060 |
| Memoranda: | ||
| Average total assets | $222,057,500 | 2,932 |
| Average earning assets | $196,722,000 | 3,034 |
| Average equity | $34,325,750 | 1,982 |
| Average total loans | $143,474,250 | 3,054 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0631% | 6,568 |
| Cost of funding earning assets | 1.1029% | 7,373 |
| Net interest margin | 3.9602% | 2,864 |
| Noninterest income to average assets | 1.6846% | 517 |
| Noninterest expense to average assets | 2.9419% | 4,325 |
| Loan and lease loss provision to assets | 0.3446% | 3,863 |
| Net operating income to assets | 1.3979% | 1,034 |
| Return on assets (ROA) | 1.3979% | 1,101 |
| Pretax return on assets | 1.9622% | 615 |
| Return on Equity (ROE) | 8.9499% | 2,372 |
| Retained earnings to average equity (ytd only) | 8.9499% | 955 |
| Net charge-offs to loans | 0.5045% | 2,814 |
| Credit loss provision to net charge-offs | 101.3514% | 4,507 |
| Earnings coverage of net charge-offs (x) | 6.7838% | 2,547 |
| Efficiency ratio | 55.5244% | 7,164 |
| Assets per employee ($millions) | 3.8559% | 3,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9821% | 575 |
| Loan loss allowance to noncurrent loans | 1,388.9610% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.4682% | 6,273 |
| Noncurrent loans to loans | 0.2147% | 6,977 |
| Net loans and leases to total assets | 64.4564% | 4,884 |
| Net loans and leases to deposits | 88.2422% | 3,135 |
| Net loans and leases to core deposits | 105.6042% | 3,880 |
| Total domestic deposits to total assets | 73.0448% | 7,105 |
| Equity capital to assets | 16.0664% | 807 |
| Core capital (leverage) ratio | 16.0594% | 735 |
| Tier 1 risk-based capital ratio | 22.1865% | 1,222 |
| Total risk-based capital ratio | 23.4555% | 1,196 |
| Memoranda: | ||
| Average total assets | $217,615,330 | 3,007 |
| Average earning assets | $195,848,330 | 3,063 |
| Average equity | $33,989,330 | 1,995 |
| Average total loans | $146,670,000 | 3,036 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9342% | 7,088 |
| Cost of funding earning assets | 1.1068% | 7,509 |
| Net interest margin | 3.8274% | 3,351 |
| Noninterest income to average assets | 1.6314% | 514 |
| Noninterest expense to average assets | 2.5323% | 5,725 |
| Loan and lease loss provision to assets | 0.6866% | 1,842 |
| Net operating income to assets | 1.3971% | 1,145 |
| Return on assets (ROA) | 1.3971% | 1,235 |
| Pretax return on assets | 1.9519% | 720 |
| Return on Equity (ROE) | 9.0731% | 2,682 |
| Retained earnings to average equity (ytd only) | 9.0731% | 1,454 |
| Net charge-offs to loans | 1.0170% | 1,325 |
| Credit loss provision to net charge-offs | 99.4695% | 3,812 |
| Earnings coverage of net charge-offs (x) | 3.8223% | 3,052 |
| Efficiency ratio | 48.4419% | 7,703 |
| Assets per employee ($millions) | 4.2756% | 3,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8961% | 530 |
| Loan loss allowance to noncurrent loans | 518.9550% | 673 |
| Noncurrent assets plus other real estate owned to assets | 1.0376% | 4,618 |
| Noncurrent loans to loans | 0.5581% | 6,021 |
| Net loans and leases to total assets | 64.4101% | 4,916 |
| Net loans and leases to deposits | 90.6126% | 2,838 |
| Net loans and leases to core deposits | 105.0622% | 4,025 |
| Total domestic deposits to total assets | 71.0830% | 7,320 |
| Equity capital to assets | 15.3171% | 1,008 |
| Core capital (leverage) ratio | 15.3249% | 894 |
| Tier 1 risk-based capital ratio | 20.8392% | 1,475 |
| Total risk-based capital ratio | 22.1066% | 1,444 |
| Memoranda: | ||
| Average total assets | $218,458,500 | 3,005 |
| Average earning assets | $202,017,000 | 2,993 |
| Average equity | $33,638,000 | 2,018 |
| Average total loans | $148,276,000 | 3,035 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5842% | 7,122 |
| Cost of funding earning assets | 1.8174% | 6,960 |
| Net interest margin | 3.7668% | 4,148 |
| Noninterest income to average assets | 0.4096% | 5,395 |
| Noninterest expense to average assets | 2.1919% | 6,987 |
| Loan and lease loss provision to assets | 0.0000% | 7,334 |
| Net operating income to assets | 1.2944% | 1,495 |
| Return on assets (ROA) | 1.2944% | 1,450 |
| Pretax return on assets | 1.7423% | 1,061 |
| Return on Equity (ROE) | 9.2726% | 2,538 |
| Retained earnings to average equity (ytd only) | 3.0431% | 3,271 |
| Net charge-offs to loans | -0.0092% | 7,843 |
| Credit loss provision to net charge-offs | 0.0000% | 6,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0508% | 7,145 |
| Assets per employee ($millions) | 4.0488% | 3,414 |
| Cash dividends to net income (ytd only)* | 67.1817% | 2,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8663% | 488 |
| Loan loss allowance to noncurrent loans | 225.8457% | 1,736 |
| Noncurrent assets plus other real estate owned to assets | 1.2294% | 3,764 |
| Noncurrent loans to loans | 1.2692% | 3,970 |
| Net loans and leases to total assets | 67.4808% | 4,559 |
| Net loans and leases to deposits | 92.5330% | 3,046 |
| Net loans and leases to core deposits | 107.3442% | 4,037 |
| Total domestic deposits to total assets | 72.9262% | 6,843 |
| Equity capital to assets | 15.4816% | 1,053 |
| Core capital (leverage) ratio | 14.4517% | 1,153 |
| Tier 1 risk-based capital ratio | 20.4714% | 1,541 |
| Total risk-based capital ratio | 21.7388% | 1,502 |
| Memoranda: | ||
| Average total assets | $229,984,000 | 2,764 |
| Average earning assets | $215,197,000 | 2,708 |
| Average equity | $32,105,400 | 2,106 |
| Average total loans | $152,207,800 | 2,889 |