Home > Bank of New Jersey > Performance and Condition Ratios
Bank of New Jersey, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4055% | 3,234 |
| Cost of funding earning assets | 1.5194% | 376 |
| Net interest margin | 2.8861% | 4,669 |
| Noninterest income to average assets | 0.0548% | 5,029 |
| Noninterest expense to average assets | 2.1869% | 4,187 |
| Loan and lease loss provision to assets | 0.0422% | 3,167 |
| Net operating income to assets | 0.3881% | 4,612 |
| Return on assets (ROA) | 0.3881% | 4,645 |
| Pretax return on assets | 0.5957% | 4,421 |
| Return on Equity (ROE) | 3.8259% | 4,508 |
| Retained earnings to average equity (ytd only) | 3.8259% | 3,064 |
| Net charge-offs to loans | -0.0101% | 4,474 |
| Credit loss provision to net charge-offs | -493.6709% | 4,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4179% | 1,220 |
| Assets per employee ($millions) | 12.2068% | 208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1349% | 2,766 |
| Loan loss allowance to noncurrent loans | 48.8345% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 2.0757% | 368 |
| Noncurrent loans to loans | 2.3239% | 507 |
| Net loans and leases to total assets | 82.1377% | 543 |
| Net loans and leases to deposits | 99.1345% | 657 |
| Net loans and leases to core deposits | 120.9065% | 452 |
| Total domestic deposits to total assets | 82.8548% | 3,247 |
| Equity capital to assets | 10.3411% | 3,593 |
| Core capital (leverage) ratio | 10.1769% | 3,326 |
| Tier 1 risk-based capital ratio | 11.7160% | 4,520 |
| Total risk-based capital ratio | 12.8133% | 4,477 |
| Memoranda: | ||
| Average total assets | $924,610,400 | 849 |
| Average earning assets | $887,397,800 | 814 |
| Average equity | $93,781,600 | 944 |
| Average total loans | $779,468,000 | 729 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4305% | 3,265 |
| Cost of funding earning assets | 1.4977% | 409 |
| Net interest margin | 2.9329% | 4,719 |
| Noninterest income to average assets | 0.0566% | 5,100 |
| Noninterest expense to average assets | 2.1402% | 4,292 |
| Loan and lease loss provision to assets | 0.0565% | 2,766 |
| Net operating income to assets | 0.5003% | 4,513 |
| Return on assets (ROA) | 0.5003% | 4,564 |
| Pretax return on assets | 0.6761% | 4,396 |
| Return on Equity (ROE) | 4.9571% | 4,339 |
| Retained earnings to average equity (ytd only) | 4.9571% | 2,908 |
| Net charge-offs to loans | 0.0149% | 2,865 |
| Credit loss provision to net charge-offs | 448.2759% | 696 |
| Earnings coverage of net charge-offs (x) | 58.1479% | 1,076 |
| Efficiency ratio | 74.4997% | 1,495 |
| Assets per employee ($millions) | 12.3299% | 199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0908% | 3,074 |
| Loan loss allowance to noncurrent loans | 80.6679% | 3,630 |
| Noncurrent assets plus other real estate owned to assets | 1.2626% | 976 |
| Noncurrent loans to loans | 1.3522% | 1,137 |
| Net loans and leases to total assets | 81.9925% | 567 |
| Net loans and leases to deposits | 98.5802% | 761 |
| Net loans and leases to core deposits | 121.0129% | 501 |
| Total domestic deposits to total assets | 83.1734% | 3,101 |
| Equity capital to assets | 9.9966% | 4,022 |
| Core capital (leverage) ratio | 10.0142% | 3,630 |
| Tier 1 risk-based capital ratio | 11.2868% | 4,765 |
| Total risk-based capital ratio | 12.3398% | 4,760 |
| Memoranda: | ||
| Average total assets | $920,783,000 | 850 |
| Average earning assets | $884,115,250 | 818 |
| Average equity | $92,927,500 | 952 |
| Average total loans | $779,112,250 | 730 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3748% | 3,399 |
| Cost of funding earning assets | 1.4395% | 466 |
| Net interest margin | 2.9354% | 4,776 |
| Noninterest income to average assets | 0.0567% | 5,145 |
| Noninterest expense to average assets | 2.0376% | 4,539 |
| Loan and lease loss provision to assets | 0.0309% | 3,204 |
| Net operating income to assets | 0.6405% | 4,193 |
| Return on assets (ROA) | 0.6405% | 4,240 |
| Pretax return on assets | 0.8080% | 4,067 |
| Return on Equity (ROE) | 6.3251% | 3,935 |
| Retained earnings to average equity (ytd only) | 6.3251% | 2,128 |
| Net charge-offs to loans | 0.0008% | 3,157 |
| Credit loss provision to net charge-offs | 4,666.6667% | 80 |
| Earnings coverage of net charge-offs (x) | 1,268.3333% | 54 |
| Efficiency ratio | 70.8362% | 2,091 |
| Assets per employee ($millions) | 11.0085% | 264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 3,119 |
| Loan loss allowance to noncurrent loans | 85.7717% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 1.2229% | 1,075 |
| Noncurrent loans to loans | 1.2726% | 1,241 |
| Net loans and leases to total assets | 83.5893% | 403 |
| Net loans and leases to deposits | 101.4388% | 579 |
| Net loans and leases to core deposits | 123.8109% | 435 |
| Total domestic deposits to total assets | 82.4036% | 3,402 |
| Equity capital to assets | 10.3295% | 3,668 |
| Core capital (leverage) ratio | 10.4200% | 3,176 |
| Tier 1 risk-based capital ratio | 11.4251% | 4,722 |
| Total risk-based capital ratio | 12.4791% | 4,711 |
| Memoranda: | ||
| Average total assets | $907,132,670 | 863 |
| Average earning assets | $871,437,670 | 828 |
| Average equity | $91,856,330 | 959 |
| Average total loans | $773,067,670 | 737 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3360% | 3,442 |
| Cost of funding earning assets | 1.3755% | 501 |
| Net interest margin | 2.9605% | 4,805 |
| Noninterest income to average assets | 0.0508% | 5,212 |
| Noninterest expense to average assets | 2.0139% | 4,618 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.6951% | 3,953 |
| Return on assets (ROA) | 0.6951% | 3,994 |
| Pretax return on assets | 0.8870% | 3,809 |
| Return on Equity (ROE) | 6.9359% | 3,706 |
| Retained earnings to average equity (ytd only) | 6.9359% | 2,072 |
| Net charge-offs to loans | 0.0052% | 2,520 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 199.2000% | 391 |
| Efficiency ratio | 69.4244% | 2,439 |
| Assets per employee ($millions) | 11.1335% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 3,207 |
| Loan loss allowance to noncurrent loans | 86.5029% | 3,591 |
| Noncurrent assets plus other real estate owned to assets | 1.1175% | 1,231 |
| Noncurrent loans to loans | 1.2541% | 1,313 |
| Net loans and leases to total assets | 83.7230% | 395 |
| Net loans and leases to deposits | 102.8760% | 457 |
| Net loans and leases to core deposits | 124.2931% | 418 |
| Total domestic deposits to total assets | 81.3824% | 3,885 |
| Equity capital to assets | 9.9614% | 3,861 |
| Core capital (leverage) ratio | 10.1970% | 3,385 |
| Tier 1 risk-based capital ratio | 11.0483% | 4,952 |
| Total risk-based capital ratio | 12.1022% | 4,943 |
| Memoranda: | ||
| Average total assets | $898,340,000 | 874 |
| Average earning assets | $864,844,000 | 836 |
| Average equity | $90,025,000 | 965 |
| Average total loans | $768,854,000 | 745 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2339% | 3,342 |
| Cost of funding earning assets | 1.0917% | 509 |
| Net interest margin | 3.1423% | 4,593 |
| Noninterest income to average assets | 0.0438% | 5,283 |
| Noninterest expense to average assets | 2.1532% | 4,442 |
| Loan and lease loss provision to assets | 0.1309% | 1,679 |
| Net operating income to assets | 0.6237% | 4,352 |
| Return on assets (ROA) | 0.6237% | 4,363 |
| Pretax return on assets | 0.8097% | 4,145 |
| Return on Equity (ROE) | 6.3648% | 4,045 |
| Retained earnings to average equity (ytd only) | 6.3602% | 2,001 |
| Net charge-offs to loans | 0.1455% | 1,317 |
| Credit loss provision to net charge-offs | 107.0764% | 2,393 |
| Earnings coverage of net charge-offs (x) | 7.6955% | 2,964 |
| Efficiency ratio | 69.5983% | 2,266 |
| Assets per employee ($millions) | 10.9103% | 270 |
| Cash dividends to net income (ytd only)* | 0.0730% | 4,010 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0972% | 3,115 |
| Loan loss allowance to noncurrent loans | 82.1474% | 3,705 |
| Noncurrent assets plus other real estate owned to assets | 1.2139% | 1,075 |
| Noncurrent loans to loans | 1.3356% | 1,174 |
| Net loans and leases to total assets | 85.6124% | 262 |
| Net loans and leases to deposits | 102.6993% | 549 |
| Net loans and leases to core deposits | 123.2346% | 463 |
| Total domestic deposits to total assets | 83.3622% | 3,207 |
| Equity capital to assets | 10.0831% | 3,594 |
| Core capital (leverage) ratio | 10.0556% | 3,518 |
| Tier 1 risk-based capital ratio | 11.1731% | 4,876 |
| Total risk-based capital ratio | 12.2630% | 4,865 |
| Memoranda: | ||
| Average total assets | $878,744,600 | 866 |
| Average earning assets | $852,921,600 | 827 |
| Average equity | $86,114,200 | 971 |
| Average total loans | $738,358,400 | 746 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1764% | 3,395 |
| Cost of funding earning assets | 1.0280% | 525 |
| Net interest margin | 3.1484% | 4,618 |
| Noninterest income to average assets | 0.0486% | 5,343 |
| Noninterest expense to average assets | 2.1017% | 4,549 |
| Loan and lease loss provision to assets | 0.1413% | 1,415 |
| Net operating income to assets | 0.6524% | 4,362 |
| Return on assets (ROA) | 0.6524% | 4,375 |
| Pretax return on assets | 0.8629% | 4,137 |
| Return on Equity (ROE) | 6.7067% | 4,032 |
| Retained earnings to average equity (ytd only) | 6.7004% | 2,279 |
| Net charge-offs to loans | 0.2001% | 847 |
| Credit loss provision to net charge-offs | 84.6995% | 2,474 |
| Earnings coverage of net charge-offs (x) | 6.0191% | 2,923 |
| Efficiency ratio | 67.6679% | 2,599 |
| Assets per employee ($millions) | 11.0079% | 247 |
| Cash dividends to net income (ytd only)* | 0.0931% | 3,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0964% | 3,216 |
| Loan loss allowance to noncurrent loans | 70.9472% | 3,981 |
| Noncurrent assets plus other real estate owned to assets | 1.3455% | 1,005 |
| Noncurrent loans to loans | 1.5454% | 1,039 |
| Net loans and leases to total assets | 82.4425% | 638 |
| Net loans and leases to deposits | 95.1031% | 1,255 |
| Net loans and leases to core deposits | 115.9382% | 718 |
| Total domestic deposits to total assets | 86.6875% | 1,875 |
| Equity capital to assets | 9.8364% | 3,793 |
| Core capital (leverage) ratio | 10.0422% | 3,587 |
| Tier 1 risk-based capital ratio | 11.0786% | 4,999 |
| Total risk-based capital ratio | 12.1444% | 4,990 |
| Memoranda: | ||
| Average total assets | $877,496,750 | 866 |
| Average earning assets | $852,093,500 | 825 |
| Average equity | $85,365,750 | 974 |
| Average total loans | $731,702,750 | 748 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0973% | 3,456 |
| Cost of funding earning assets | 0.9856% | 495 |
| Net interest margin | 3.1117% | 4,709 |
| Noninterest income to average assets | 0.0470% | 5,408 |
| Noninterest expense to average assets | 2.1570% | 4,472 |
| Loan and lease loss provision to assets | 0.1489% | 1,278 |
| Net operating income to assets | 0.5804% | 4,562 |
| Return on assets (ROA) | 0.5804% | 4,555 |
| Pretax return on assets | 0.7628% | 4,359 |
| Return on Equity (ROE) | 5.9892% | 4,248 |
| Retained earnings to average equity (ytd only) | 5.9892% | 2,570 |
| Net charge-offs to loans | 0.2141% | 741 |
| Credit loss provision to net charge-offs | 83.4403% | 2,225 |
| Earnings coverage of net charge-offs (x) | 5.1078% | 2,740 |
| Efficiency ratio | 70.2882% | 2,264 |
| Assets per employee ($millions) | 10.5239% | 271 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1062% | 3,224 |
| Loan loss allowance to noncurrent loans | 55.5307% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 1.6881% | 731 |
| Noncurrent loans to loans | 1.9921% | 757 |
| Net loans and leases to total assets | 83.8011% | 476 |
| Net loans and leases to deposits | 96.9509% | 1,047 |
| Net loans and leases to core deposits | 119.5048% | 573 |
| Total domestic deposits to total assets | 86.4367% | 2,081 |
| Equity capital to assets | 9.8301% | 3,793 |
| Core capital (leverage) ratio | 9.8600% | 3,726 |
| Tier 1 risk-based capital ratio | 10.8584% | 5,127 |
| Total risk-based capital ratio | 11.9337% | 5,094 |
| Memoranda: | ||
| Average total assets | $872,782,330 | 875 |
| Average earning assets | $847,584,330 | 831 |
| Average equity | $84,586,000 | 980 |
| Average total loans | $727,857,330 | 755 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 3,238 |
| Cost of funding earning assets | 0.9339% | 504 |
| Net interest margin | 3.1653% | 4,564 |
| Noninterest income to average assets | 0.0436% | 5,486 |
| Noninterest expense to average assets | 2.1563% | 4,521 |
| Loan and lease loss provision to assets | 0.1490% | 1,223 |
| Net operating income to assets | 0.6157% | 4,375 |
| Return on assets (ROA) | 0.6157% | 4,385 |
| Pretax return on assets | 0.8152% | 4,111 |
| Return on Equity (ROE) | 6.3993% | 4,024 |
| Retained earnings to average equity (ytd only) | 6.3993% | 2,550 |
| Net charge-offs to loans | 0.2943% | 521 |
| Credit loss provision to net charge-offs | 61.2053% | 1,885 |
| Earnings coverage of net charge-offs (x) | 3.9605% | 2,342 |
| Efficiency ratio | 69.1008% | 2,648 |
| Assets per employee ($millions) | 10.4568% | 276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1218% | 3,251 |
| Loan loss allowance to noncurrent loans | 47.7370% | 4,486 |
| Noncurrent assets plus other real estate owned to assets | 2.0300% | 552 |
| Noncurrent loans to loans | 2.3501% | 606 |
| Net loans and leases to total assets | 83.3734% | 502 |
| Net loans and leases to deposits | 94.1893% | 1,210 |
| Net loans and leases to core deposits | 115.8663% | 730 |
| Total domestic deposits to total assets | 88.5169% | 1,346 |
| Equity capital to assets | 9.8646% | 3,738 |
| Core capital (leverage) ratio | 9.6791% | 3,871 |
| Tier 1 risk-based capital ratio | 10.9654% | 5,146 |
| Total risk-based capital ratio | 12.0460% | 5,140 |
| Memoranda: | ||
| Average total assets | $872,433,000 | 881 |
| Average earning assets | $848,081,500 | 839 |
| Average equity | $83,947,000 | 997 |
| Average total loans | $721,698,500 | 763 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8994% | 3,726 |
| Cost of funding earning assets | 0.9093% | 355 |
| Net interest margin | 2.9901% | 4,907 |
| Noninterest income to average assets | 0.0520% | 5,529 |
| Noninterest expense to average assets | 2.0670% | 4,844 |
| Loan and lease loss provision to assets | 0.0464% | 3,308 |
| Net operating income to assets | 0.4143% | 4,647 |
| Return on assets (ROA) | 0.4143% | 4,669 |
| Pretax return on assets | 0.8401% | 4,123 |
| Return on Equity (ROE) | 4.4357% | 4,369 |
| Retained earnings to average equity (ytd only) | 3.5732% | 3,133 |
| Net charge-offs to loans | 0.0539% | 2,728 |
| Credit loss provision to net charge-offs | 108.1081% | 2,405 |
| Earnings coverage of net charge-offs (x) | 20.6676% | 1,956 |
| Efficiency ratio | 69.9859% | 2,549 |
| Assets per employee ($millions) | 11.0926% | 235 |
| Cash dividends to net income (ytd only)* | 19.4460% | 3,690 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 3,028 |
| Loan loss allowance to noncurrent loans | 45.1128% | 4,582 |
| Noncurrent assets plus other real estate owned to assets | 2.1243% | 506 |
| Noncurrent loans to loans | 2.5592% | 513 |
| Net loans and leases to total assets | 80.2423% | 923 |
| Net loans and leases to deposits | 90.3313% | 1,739 |
| Net loans and leases to core deposits | 109.7868% | 1,023 |
| Total domestic deposits to total assets | 88.8312% | 1,072 |
| Equity capital to assets | 9.3879% | 4,343 |
| Core capital (leverage) ratio | 9.5924% | 3,924 |
| Tier 1 risk-based capital ratio | 10.8356% | 5,242 |
| Total risk-based capital ratio | 11.9495% | 5,188 |
| Memoranda: | ||
| Average total assets | $862,655,600 | 865 |
| Average earning assets | $837,054,800 | 822 |
| Average equity | $80,572,800 | 1,003 |
| Average total loans | $686,569,000 | 760 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8748% | 3,754 |
| Cost of funding earning assets | 0.9041% | 336 |
| Net interest margin | 2.9707% | 4,984 |
| Noninterest income to average assets | 0.0531% | 5,602 |
| Noninterest expense to average assets | 2.0294% | 4,892 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5760% | 4,475 |
| Return on assets (ROA) | 0.5760% | 4,518 |
| Pretax return on assets | 0.9046% | 4,027 |
| Return on Equity (ROE) | 6.1751% | 4,043 |
| Retained earnings to average equity (ytd only) | 6.1718% | 2,132 |
| Net charge-offs to loans | 0.0594% | 2,271 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 19.2416% | 2,011 |
| Efficiency ratio | 69.1675% | 2,678 |
| Assets per employee ($millions) | 11.1124% | 223 |
| Cash dividends to net income (ytd only)* | 0.0541% | 3,679 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1524% | 3,184 |
| Loan loss allowance to noncurrent loans | 44.0018% | 4,665 |
| Noncurrent assets plus other real estate owned to assets | 2.1191% | 595 |
| Noncurrent loans to loans | 2.6191% | 553 |
| Net loans and leases to total assets | 78.0171% | 1,268 |
| Net loans and leases to deposits | 88.2082% | 2,029 |
| Net loans and leases to core deposits | 107.0899% | 1,194 |
| Total domestic deposits to total assets | 88.4465% | 1,153 |
| Equity capital to assets | 9.5224% | 4,424 |
| Core capital (leverage) ratio | 9.6335% | 4,005 |
| Tier 1 risk-based capital ratio | 11.3307% | 5,057 |
| Total risk-based capital ratio | 12.4497% | 5,033 |
| Memoranda: | ||
| Average total assets | $856,467,750 | 877 |
| Average earning assets | $830,576,750 | 838 |
| Average equity | $79,888,750 | 1,013 |
| Average total loans | $678,113,000 | 773 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8714% | 3,649 |
| Cost of funding earning assets | 0.8946% | 320 |
| Net interest margin | 2.9769% | 4,961 |
| Noninterest income to average assets | 0.0539% | 5,644 |
| Noninterest expense to average assets | 2.0739% | 4,821 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.5536% | 4,505 |
| Return on assets (ROA) | 0.5536% | 4,549 |
| Pretax return on assets | 0.8661% | 4,054 |
| Return on Equity (ROE) | 5.9781% | 4,059 |
| Retained earnings to average equity (ytd only) | 5.9781% | 2,132 |
| Net charge-offs to loans | 0.0873% | 1,736 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 12.5102% | 2,187 |
| Efficiency ratio | 70.5406% | 2,576 |
| Assets per employee ($millions) | 10.6898% | 251 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1836% | 3,117 |
| Loan loss allowance to noncurrent loans | 45.5675% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 2.0785% | 597 |
| Noncurrent loans to loans | 2.5975% | 552 |
| Net loans and leases to total assets | 77.0690% | 1,377 |
| Net loans and leases to deposits | 87.0544% | 2,097 |
| Net loans and leases to core deposits | 106.9480% | 1,163 |
| Total domestic deposits to total assets | 88.5296% | 1,184 |
| Equity capital to assets | 9.2732% | 4,650 |
| Core capital (leverage) ratio | 9.0714% | 4,642 |
| Tier 1 risk-based capital ratio | 11.1920% | 5,143 |
| Total risk-based capital ratio | 12.3422% | 5,099 |
| Memoranda: | ||
| Average total assets | $849,329,670 | 891 |
| Average earning assets | $823,419,670 | 849 |
| Average equity | $78,653,330 | 1,027 |
| Average total loans | $673,189,670 | 782 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8165% | 3,705 |
| Cost of funding earning assets | 0.8506% | 375 |
| Net interest margin | 2.9660% | 4,966 |
| Noninterest income to average assets | 0.0561% | 5,713 |
| Noninterest expense to average assets | 2.1411% | 4,770 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.5051% | 4,577 |
| Return on assets (ROA) | 0.5051% | 4,609 |
| Pretax return on assets | 0.7890% | 4,150 |
| Return on Equity (ROE) | 5.4578% | 4,169 |
| Retained earnings to average equity (ytd only) | 5.4578% | 2,625 |
| Net charge-offs to loans | 0.0274% | 2,207 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 36.0652% | 1,102 |
| Efficiency ratio | 73.0726% | 2,395 |
| Assets per employee ($millions) | 10.1138% | 292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2043% | 3,112 |
| Loan loss allowance to noncurrent loans | 42.7615% | 4,799 |
| Noncurrent assets plus other real estate owned to assets | 2.2948% | 534 |
| Noncurrent loans to loans | 2.8164% | 509 |
| Net loans and leases to total assets | 78.6378% | 1,038 |
| Net loans and leases to deposits | 89.5059% | 1,597 |
| Net loans and leases to core deposits | 111.8387% | 782 |
| Total domestic deposits to total assets | 87.8577% | 1,794 |
| Equity capital to assets | 9.1339% | 4,680 |
| Core capital (leverage) ratio | 9.2320% | 4,430 |
| Tier 1 risk-based capital ratio | 10.8272% | 5,396 |
| Total risk-based capital ratio | 12.0077% | 5,353 |
| Memoranda: | ||
| Average total assets | $841,057,000 | 901 |
| Average earning assets | $814,979,500 | 858 |
| Average equity | $77,833,000 | 1,035 |
| Average total loans | $672,127,500 | 782 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9729% | 3,302 |
| Cost of funding earning assets | 0.8821% | 325 |
| Net interest margin | 3.0907% | 4,753 |
| Noninterest income to average assets | 0.0602% | 5,746 |
| Noninterest expense to average assets | 2.1126% | 4,982 |
| Loan and lease loss provision to assets | 0.1926% | 1,210 |
| Net operating income to assets | 0.4908% | 4,668 |
| Return on assets (ROA) | 0.4908% | 4,742 |
| Pretax return on assets | 0.7526% | 4,331 |
| Return on Equity (ROE) | 5.3179% | 4,263 |
| Retained earnings to average equity (ytd only) | 3.8187% | 3,204 |
| Net charge-offs to loans | 0.1992% | 1,390 |
| Credit loss provision to net charge-offs | 120.4912% | 2,201 |
| Earnings coverage of net charge-offs (x) | 5.9133% | 3,257 |
| Efficiency ratio | 69.0885% | 3,057 |
| Assets per employee ($millions) | 10.6810% | 247 |
| Cash dividends to net income (ytd only)* | 28.1930% | 3,391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2556% | 2,786 |
| Loan loss allowance to noncurrent loans | 44.1903% | 4,798 |
| Noncurrent assets plus other real estate owned to assets | 2.3548% | 524 |
| Noncurrent loans to loans | 2.8414% | 503 |
| Net loans and leases to total assets | 79.2396% | 998 |
| Net loans and leases to deposits | 90.7673% | 1,598 |
| Net loans and leases to core deposits | 115.7358% | 629 |
| Total domestic deposits to total assets | 87.2997% | 1,980 |
| Equity capital to assets | 9.3799% | 4,396 |
| Core capital (leverage) ratio | 9.2905% | 4,360 |
| Tier 1 risk-based capital ratio | 10.9837% | 5,353 |
| Total risk-based capital ratio | 12.2132% | 5,254 |
| Memoranda: | ||
| Average total assets | $815,144,400 | 891 |
| Average earning assets | $790,588,200 | 848 |
| Average equity | $75,235,800 | 1,055 |
| Average total loans | $654,142,400 | 760 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0092% | 3,202 |
| Cost of funding earning assets | 0.8947% | 305 |
| Net interest margin | 3.1145% | 4,736 |
| Noninterest income to average assets | 0.0643% | 5,800 |
| Noninterest expense to average assets | 2.0742% | 5,059 |
| Loan and lease loss provision to assets | 0.2574% | 718 |
| Net operating income to assets | 0.4923% | 4,726 |
| Return on assets (ROA) | 0.4923% | 4,817 |
| Pretax return on assets | 0.7549% | 4,459 |
| Return on Equity (ROE) | 5.3558% | 4,364 |
| Retained earnings to average equity (ytd only) | 3.3440% | 3,892 |
| Net charge-offs to loans | 0.2594% | 902 |
| Credit loss provision to net charge-offs | 123.6220% | 2,047 |
| Earnings coverage of net charge-offs (x) | 4.8622% | 3,212 |
| Efficiency ratio | 67.2031% | 3,383 |
| Assets per employee ($millions) | 10.5705% | 246 |
| Cash dividends to net income (ytd only)* | 37.5624% | 2,457 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2612% | 2,891 |
| Loan loss allowance to noncurrent loans | 91.6804% | 3,795 |
| Noncurrent assets plus other real estate owned to assets | 1.1603% | 1,731 |
| Noncurrent loans to loans | 1.3756% | 1,601 |
| Net loans and leases to total assets | 78.0037% | 1,194 |
| Net loans and leases to deposits | 89.8169% | 1,784 |
| Net loans and leases to core deposits | 116.3407% | 646 |
| Total domestic deposits to total assets | 86.8475% | 1,962 |
| Equity capital to assets | 9.1138% | 5,055 |
| Core capital (leverage) ratio | 9.1977% | 4,592 |
| Tier 1 risk-based capital ratio | 11.0184% | 5,359 |
| Total risk-based capital ratio | 12.2685% | 5,270 |
| Memoranda: | ||
| Average total assets | $813,320,500 | 891 |
| Average earning assets | $789,239,500 | 846 |
| Average equity | $74,758,750 | 1,069 |
| Average total loans | $652,681,750 | 763 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0478% | 3,071 |
| Cost of funding earning assets | 0.9105% | 276 |
| Net interest margin | 3.1373% | 4,731 |
| Noninterest income to average assets | 0.0471% | 5,920 |
| Noninterest expense to average assets | 2.0869% | 5,088 |
| Loan and lease loss provision to assets | 0.1117% | 2,009 |
| Net operating income to assets | 0.5764% | 4,369 |
| Return on assets (ROA) | 0.5764% | 4,494 |
| Pretax return on assets | 0.8940% | 3,973 |
| Return on Equity (ROE) | 6.2522% | 3,934 |
| Retained earnings to average equity (ytd only) | 4.2337% | 3,214 |
| Net charge-offs to loans | 0.0750% | 2,112 |
| Credit loss provision to net charge-offs | 184.4262% | 1,376 |
| Earnings coverage of net charge-offs (x) | 16.6107% | 1,924 |
| Efficiency ratio | 67.4823% | 3,454 |
| Assets per employee ($millions) | 10.2675% | 258 |
| Cash dividends to net income (ytd only)* | 32.2858% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2569% | 3,035 |
| Loan loss allowance to noncurrent loans | 109.4756% | 3,525 |
| Noncurrent assets plus other real estate owned to assets | 0.9895% | 2,160 |
| Noncurrent loans to loans | 1.1481% | 2,000 |
| Net loans and leases to total assets | 78.6733% | 1,114 |
| Net loans and leases to deposits | 91.6413% | 1,562 |
| Net loans and leases to core deposits | 119.1877% | 537 |
| Total domestic deposits to total assets | 85.8491% | 2,491 |
| Equity capital to assets | 9.1828% | 5,085 |
| Core capital (leverage) ratio | 9.2383% | 4,531 |
| Tier 1 risk-based capital ratio | 10.9068% | 5,472 |
| Total risk-based capital ratio | 12.1476% | 5,401 |
| Memoranda: | ||
| Average total assets | $806,070,000 | 896 |
| Average earning assets | $782,454,000 | 852 |
| Average equity | $74,309,330 | 1,077 |
| Average total loans | $650,340,000 | 765 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1584% | 2,623 |
| Cost of funding earning assets | 0.9470% | 228 |
| Net interest margin | 3.2114% | 4,547 |
| Noninterest income to average assets | 0.0426% | 5,990 |
| Noninterest expense to average assets | 1.9995% | 5,340 |
| Loan and lease loss provision to assets | 0.1503% | 1,410 |
| Net operating income to assets | 0.6473% | 3,987 |
| Return on assets (ROA) | 0.6473% | 4,107 |
| Pretax return on assets | 1.0120% | 3,436 |
| Return on Equity (ROE) | 7.0074% | 3,452 |
| Retained earnings to average equity (ytd only) | 4.9789% | 2,953 |
| Net charge-offs to loans | 0.1506% | 1,213 |
| Credit loss provision to net charge-offs | 122.9508% | 1,422 |
| Earnings coverage of net charge-offs (x) | 9.5082% | 1,985 |
| Efficiency ratio | 63.2388% | 4,272 |
| Assets per employee ($millions) | 10.5853% | 233 |
| Cash dividends to net income (ytd only)* | 28.9474% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2389% | 3,261 |
| Loan loss allowance to noncurrent loans | 114.8138% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 0.9505% | 2,330 |
| Noncurrent loans to loans | 1.0790% | 2,240 |
| Net loans and leases to total assets | 81.0962% | 671 |
| Net loans and leases to deposits | 92.9964% | 1,226 |
| Net loans and leases to core deposits | 123.8655% | 372 |
| Total domestic deposits to total assets | 87.2036% | 2,102 |
| Equity capital to assets | 9.3650% | 4,819 |
| Core capital (leverage) ratio | 9.1382% | 4,681 |
| Tier 1 risk-based capital ratio | 11.0051% | 5,499 |
| Total risk-based capital ratio | 12.2470% | 5,416 |
| Memoranda: | ||
| Average total assets | $798,407,000 | 906 |
| Average earning assets | $775,496,500 | 863 |
| Average equity | $73,750,500 | 1,078 |
| Average total loans | $648,287,500 | 763 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1131% | 2,866 |
| Cost of funding earning assets | 1.0491% | 130 |
| Net interest margin | 3.0640% | 4,998 |
| Noninterest income to average assets | 0.0411% | 6,029 |
| Noninterest expense to average assets | 1.9693% | 5,514 |
| Loan and lease loss provision to assets | 0.1172% | 2,031 |
| Net operating income to assets | 0.6110% | 4,216 |
| Return on assets (ROA) | 0.6098% | 4,320 |
| Pretax return on assets | 0.9313% | 3,720 |
| Return on Equity (ROE) | 6.9208% | 3,550 |
| Retained earnings to average equity (ytd only) | 4.7559% | 2,608 |
| Net charge-offs to loans | 0.0150% | 3,993 |
| Credit loss provision to net charge-offs | 962.5000% | 358 |
| Earnings coverage of net charge-offs (x) | 86.2708% | 652 |
| Efficiency ratio | 65.2148% | 4,041 |
| Assets per employee ($millions) | 10.8503% | 209 |
| Cash dividends to net income (ytd only)* | 31.2812% | 3,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 3,217 |
| Loan loss allowance to noncurrent loans | 109.0266% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.9799% | 2,243 |
| Noncurrent loans to loans | 1.1410% | 2,060 |
| Net loans and leases to total assets | 79.2932% | 948 |
| Net loans and leases to deposits | 90.8558% | 1,522 |
| Net loans and leases to core deposits | 122.1072% | 426 |
| Total domestic deposits to total assets | 87.2737% | 1,999 |
| Equity capital to assets | 9.1109% | 5,007 |
| Core capital (leverage) ratio | 9.0218% | 4,859 |
| Tier 1 risk-based capital ratio | 10.9494% | 5,547 |
| Total risk-based capital ratio | 12.1929% | 5,460 |
| Memoranda: | ||
| Average total assets | $788,442,400 | 877 |
| Average earning assets | $766,476,600 | 823 |
| Average equity | $69,472,000 | 1,097 |
| Average total loans | $640,830,800 | 727 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1496% | 2,750 |
| Cost of funding earning assets | 1.0575% | 127 |
| Net interest margin | 3.0922% | 4,984 |
| Noninterest income to average assets | 0.0406% | 6,121 |
| Noninterest expense to average assets | 1.9520% | 5,562 |
| Loan and lease loss provision to assets | 0.1120% | 2,014 |
| Net operating income to assets | 0.6428% | 4,171 |
| Return on assets (ROA) | 0.6411% | 4,290 |
| Pretax return on assets | 0.9806% | 3,688 |
| Return on Equity (ROE) | 7.3403% | 3,443 |
| Retained earnings to average equity (ytd only) | 5.1561% | 2,802 |
| Net charge-offs to loans | 0.0275% | 3,393 |
| Credit loss provision to net charge-offs | 499.2424% | 657 |
| Earnings coverage of net charge-offs (x) | 48.8321% | 1,075 |
| Efficiency ratio | 64.0611% | 4,237 |
| Assets per employee ($millions) | 10.9484% | 198 |
| Cash dividends to net income (ytd only)* | 29.7563% | 2,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 3,454 |
| Loan loss allowance to noncurrent loans | 111.0807% | 3,465 |
| Noncurrent assets plus other real estate owned to assets | 0.9255% | 2,545 |
| Noncurrent loans to loans | 1.1123% | 2,274 |
| Net loans and leases to total assets | 76.1600% | 1,365 |
| Net loans and leases to deposits | 87.2762% | 1,996 |
| Net loans and leases to core deposits | 116.8266% | 559 |
| Total domestic deposits to total assets | 87.2631% | 1,914 |
| Equity capital to assets | 8.9590% | 5,345 |
| Core capital (leverage) ratio | 8.9008% | 5,117 |
| Tier 1 risk-based capital ratio | 11.2352% | 5,535 |
| Total risk-based capital ratio | 12.4683% | 5,434 |
| Memoranda: | ||
| Average total assets | $784,823,000 | 883 |
| Average earning assets | $763,069,750 | 833 |
| Average equity | $68,551,750 | 1,116 |
| Average total loans | $639,868,250 | 737 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2207% | 2,476 |
| Cost of funding earning assets | 1.0574% | 125 |
| Net interest margin | 3.1633% | 4,780 |
| Noninterest income to average assets | 0.0363% | 6,204 |
| Noninterest expense to average assets | 1.9581% | 5,616 |
| Loan and lease loss provision to assets | 0.2017% | 968 |
| Net operating income to assets | 0.6254% | 4,234 |
| Return on assets (ROA) | 0.6229% | 4,359 |
| Pretax return on assets | 0.9475% | 3,780 |
| Return on Equity (ROE) | 7.1956% | 3,488 |
| Retained earnings to average equity (ytd only) | 4.9667% | 2,882 |
| Net charge-offs to loans | 0.0301% | 3,063 |
| Credit loss provision to net charge-offs | 807.2165% | 424 |
| Earnings coverage of net charge-offs (x) | 46.1443% | 1,017 |
| Efficiency ratio | 62.9378% | 4,531 |
| Assets per employee ($millions) | 10.4278% | 236 |
| Cash dividends to net income (ytd only)* | 30.9760% | 2,772 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 3,734 |
| Loan loss allowance to noncurrent loans | 106.1296% | 3,568 |
| Noncurrent assets plus other real estate owned to assets | 1.0155% | 2,481 |
| Noncurrent loans to loans | 1.1399% | 2,371 |
| Net loans and leases to total assets | 80.1178% | 784 |
| Net loans and leases to deposits | 91.8993% | 1,388 |
| Net loans and leases to core deposits | 125.9234% | 338 |
| Total domestic deposits to total assets | 87.1799% | 2,067 |
| Equity capital to assets | 8.8727% | 5,369 |
| Core capital (leverage) ratio | 8.9182% | 5,070 |
| Tier 1 risk-based capital ratio | 10.8382% | 5,787 |
| Total risk-based capital ratio | 12.0753% | 5,729 |
| Memoranda: | ||
| Average total assets | $776,369,330 | 900 |
| Average earning assets | $754,657,330 | 849 |
| Average equity | $67,207,670 | 1,144 |
| Average total loans | $644,906,000 | 728 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2210% | 2,377 |
| Cost of funding earning assets | 1.0505% | 135 |
| Net interest margin | 3.1704% | 4,711 |
| Noninterest income to average assets | 0.0246% | 6,282 |
| Noninterest expense to average assets | 2.0066% | 5,567 |
| Loan and lease loss provision to assets | 0.1940% | 962 |
| Net operating income to assets | 0.5909% | 4,325 |
| Return on assets (ROA) | 0.5892% | 4,426 |
| Pretax return on assets | 0.9016% | 3,886 |
| Return on Equity (ROE) | 6.8968% | 3,561 |
| Retained earnings to average equity (ytd only) | 4.6019% | 3,268 |
| Net charge-offs to loans | 0.0374% | 2,462 |
| Credit loss provision to net charge-offs | 616.6667% | 462 |
| Earnings coverage of net charge-offs (x) | 34.9167% | 1,052 |
| Efficiency ratio | 64.6294% | 4,373 |
| Assets per employee ($millions) | 10.4330% | 232 |
| Cash dividends to net income (ytd only)* | 33.2740% | 2,244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1542% | 4,239 |
| Loan loss allowance to noncurrent loans | 92.0943% | 3,883 |
| Noncurrent assets plus other real estate owned to assets | 1.1352% | 2,369 |
| Noncurrent loans to loans | 1.2532% | 2,282 |
| Net loans and leases to total assets | 82.1103% | 450 |
| Net loans and leases to deposits | 94.6185% | 926 |
| Net loans and leases to core deposits | 132.7744% | 218 |
| Total domestic deposits to total assets | 86.7803% | 2,511 |
| Equity capital to assets | 9.0081% | 5,281 |
| Core capital (leverage) ratio | 9.0402% | 4,903 |
| Tier 1 risk-based capital ratio | 10.6087% | 5,977 |
| Total risk-based capital ratio | 11.7738% | 5,946 |
| Memoranda: | ||
| Average total assets | $763,082,500 | 914 |
| Average earning assets | $741,349,000 | 864 |
| Average equity | $65,190,000 | 1,176 |
| Average total loans | $641,770,000 | 726 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3994% | 2,222 |
| Cost of funding earning assets | 1.0276% | 199 |
| Net interest margin | 3.3718% | 4,317 |
| Noninterest income to average assets | 0.0310% | 6,337 |
| Noninterest expense to average assets | 1.8734% | 5,966 |
| Loan and lease loss provision to assets | 0.3644% | 512 |
| Net operating income to assets | 0.6709% | 4,034 |
| Return on assets (ROA) | 0.6694% | 4,144 |
| Pretax return on assets | 1.0544% | 3,280 |
| Return on Equity (ROE) | 7.6469% | 3,300 |
| Retained earnings to average equity (ytd only) | 5.4331% | 2,306 |
| Net charge-offs to loans | 0.1459% | 2,582 |
| Credit loss provision to net charge-offs | 303.5088% | 858 |
| Earnings coverage of net charge-offs (x) | 11.8371% | 2,446 |
| Efficiency ratio | 56.8636% | 5,583 |
| Assets per employee ($millions) | 10.4899% | 214 |
| Cash dividends to net income (ytd only)* | 28.9503% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1346% | 4,368 |
| Loan loss allowance to noncurrent loans | 321.7605% | 1,535 |
| Noncurrent assets plus other real estate owned to assets | 0.4209% | 4,420 |
| Noncurrent loans to loans | 0.3526% | 4,603 |
| Net loans and leases to total assets | 84.2455% | 327 |
| Net loans and leases to deposits | 96.6832% | 854 |
| Net loans and leases to core deposits | 132.4867% | 219 |
| Total domestic deposits to total assets | 87.1356% | 2,203 |
| Equity capital to assets | 8.1303% | 5,996 |
| Core capital (leverage) ratio | 8.2337% | 5,837 |
| Tier 1 risk-based capital ratio | 9.4761% | 6,352 |
| Total risk-based capital ratio | 10.6002% | 6,349 |
| Memoranda: | ||
| Average total assets | $664,671,600 | 1,003 |
| Average earning assets | $643,332,400 | 955 |
| Average equity | $58,180,800 | 1,253 |
| Average total loans | $547,090,800 | 806 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3715% | 2,341 |
| Cost of funding earning assets | 1.0194% | 228 |
| Net interest margin | 3.3520% | 4,422 |
| Noninterest income to average assets | 0.0321% | 6,420 |
| Noninterest expense to average assets | 1.8987% | 5,951 |
| Loan and lease loss provision to assets | 0.3055% | 636 |
| Net operating income to assets | 0.6646% | 4,131 |
| Return on assets (ROA) | 0.6639% | 4,236 |
| Pretax return on assets | 1.0689% | 3,304 |
| Return on Equity (ROE) | 7.4319% | 3,478 |
| Retained earnings to average equity (ytd only) | 5.1977% | 2,953 |
| Net charge-offs to loans | 0.1033% | 2,764 |
| Credit loss provision to net charge-offs | 362.8993% | 779 |
| Earnings coverage of net charge-offs (x) | 16.3392% | 1,982 |
| Efficiency ratio | 57.9912% | 5,447 |
| Assets per employee ($millions) | 10.4637% | 210 |
| Cash dividends to net income (ytd only)* | 30.0622% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 4,607 |
| Loan loss allowance to noncurrent loans | 222.9041% | 1,982 |
| Noncurrent assets plus other real estate owned to assets | 0.5775% | 4,110 |
| Noncurrent loans to loans | 0.5070% | 4,410 |
| Net loans and leases to total assets | 82.9546% | 415 |
| Net loans and leases to deposits | 96.0214% | 881 |
| Net loans and leases to core deposits | 134.2638% | 188 |
| Total domestic deposits to total assets | 86.3918% | 2,645 |
| Equity capital to assets | 8.4661% | 5,822 |
| Core capital (leverage) ratio | 8.8921% | 5,204 |
| Tier 1 risk-based capital ratio | 10.0845% | 6,325 |
| Total risk-based capital ratio | 11.2024% | 6,323 |
| Memoranda: | ||
| Average total assets | $644,643,000 | 1,052 |
| Average earning assets | $623,483,750 | 993 |
| Average equity | $57,587,750 | 1,274 |
| Average total loans | $525,201,000 | 841 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2801% | 2,662 |
| Cost of funding earning assets | 1.0169% | 239 |
| Net interest margin | 3.2632% | 4,724 |
| Noninterest income to average assets | 0.0332% | 6,483 |
| Noninterest expense to average assets | 1.9082% | 5,987 |
| Loan and lease loss provision to assets | 0.2505% | 873 |
| Net operating income to assets | 0.6233% | 4,231 |
| Return on assets (ROA) | 0.6228% | 4,332 |
| Pretax return on assets | 1.0274% | 3,363 |
| Return on Equity (ROE) | 6.8387% | 3,701 |
| Retained earnings to average equity (ytd only) | 4.5825% | 3,248 |
| Net charge-offs to loans | 0.1250% | 2,421 |
| Credit loss provision to net charge-offs | 248.8889% | 1,000 |
| Earnings coverage of net charge-offs (x) | 12.7016% | 2,040 |
| Efficiency ratio | 59.8777% | 5,310 |
| Assets per employee ($millions) | 9.1801% | 306 |
| Cash dividends to net income (ytd only)* | 32.9913% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1247% | 4,794 |
| Loan loss allowance to noncurrent loans | 189.1148% | 2,244 |
| Noncurrent assets plus other real estate owned to assets | 0.6635% | 3,998 |
| Noncurrent loans to loans | 0.5947% | 4,241 |
| Net loans and leases to total assets | 82.7119% | 401 |
| Net loans and leases to deposits | 92.0836% | 1,141 |
| Net loans and leases to core deposits | 128.2384% | 247 |
| Total domestic deposits to total assets | 89.8226% | 891 |
| Equity capital to assets | 9.0610% | 5,236 |
| Core capital (leverage) ratio | 9.2811% | 4,621 |
| Tier 1 risk-based capital ratio | 10.7872% | 6,134 |
| Total risk-based capital ratio | 11.8906% | 6,147 |
| Memoranda: | ||
| Average total assets | $625,834,330 | 1,078 |
| Average earning assets | $604,806,000 | 1,028 |
| Average equity | $56,999,330 | 1,278 |
| Average total loans | $504,196,000 | 884 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2218% | 2,789 |
| Cost of funding earning assets | 1.0169% | 253 |
| Net interest margin | 3.2049% | 4,908 |
| Noninterest income to average assets | 0.0356% | 6,525 |
| Noninterest expense to average assets | 1.9111% | 6,049 |
| Loan and lease loss provision to assets | 0.2850% | 704 |
| Net operating income to assets | 0.5643% | 4,391 |
| Return on assets (ROA) | 0.5643% | 4,467 |
| Pretax return on assets | 0.9348% | 3,575 |
| Return on Equity (ROE) | 6.1789% | 3,925 |
| Retained earnings to average equity (ytd only) | 3.9017% | 3,775 |
| Net charge-offs to loans | 0.0320% | 2,952 |
| Credit loss provision to net charge-offs | 1,128.2051% | 284 |
| Earnings coverage of net charge-offs (x) | 48.2821% | 767 |
| Efficiency ratio | 61.0387% | 5,262 |
| Assets per employee ($millions) | 9.4561% | 288 |
| Cash dividends to net income (ytd only)* | 36.8542% | 2,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 4,689 |
| Loan loss allowance to noncurrent loans | 195.4872% | 2,136 |
| Noncurrent assets plus other real estate owned to assets | 0.5666% | 4,448 |
| Noncurrent loans to loans | 0.6081% | 4,337 |
| Net loans and leases to total assets | 79.6221% | 592 |
| Net loans and leases to deposits | 87.8637% | 1,371 |
| Net loans and leases to core deposits | 122.5627% | 280 |
| Total domestic deposits to total assets | 90.6200% | 729 |
| Equity capital to assets | 9.1044% | 4,996 |
| Core capital (leverage) ratio | 9.3575% | 4,493 |
| Tier 1 risk-based capital ratio | 11.3709% | 5,977 |
| Total risk-based capital ratio | 12.5379% | 5,971 |
| Memoranda: | ||
| Average total assets | $617,446,500 | 1,105 |
| Average earning assets | $596,330,000 | 1,052 |
| Average equity | $56,385,500 | 1,289 |
| Average total loans | $487,513,500 | 915 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3921% | 2,614 |
| Cost of funding earning assets | 1.0803% | 316 |
| Net interest margin | 3.3118% | 4,617 |
| Noninterest income to average assets | 0.0314% | 6,593 |
| Noninterest expense to average assets | 1.8089% | 6,304 |
| Loan and lease loss provision to assets | 0.1388% | 2,571 |
| Net operating income to assets | 0.7760% | 3,412 |
| Return on assets (ROA) | 0.7974% | 3,399 |
| Pretax return on assets | 1.3209% | 2,074 |
| Return on Equity (ROE) | 8.5344% | 2,770 |
| Retained earnings to average equity (ytd only) | 6.2074% | 1,844 |
| Net charge-offs to loans | 0.0233% | 4,961 |
| Credit loss provision to net charge-offs | 757.0093% | 325 |
| Earnings coverage of net charge-offs (x) | 77.7944% | 558 |
| Efficiency ratio | 55.9134% | 5,956 |
| Assets per employee ($millions) | 9.2544% | 301 |
| Cash dividends to net income (ytd only)* | 27.2669% | 3,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2232% | 4,529 |
| Loan loss allowance to noncurrent loans | 114.7883% | 3,261 |
| Noncurrent assets plus other real estate owned to assets | 0.9815% | 3,453 |
| Noncurrent loans to loans | 1.0656% | 3,381 |
| Net loans and leases to total assets | 76.3520% | 1,027 |
| Net loans and leases to deposits | 84.2823% | 1,894 |
| Net loans and leases to core deposits | 118.6185% | 356 |
| Total domestic deposits to total assets | 90.5907% | 758 |
| Equity capital to assets | 9.1603% | 4,852 |
| Core capital (leverage) ratio | 9.4531% | 4,333 |
| Tier 1 risk-based capital ratio | 11.8861% | 5,686 |
| Total risk-based capital ratio | 13.0777% | 5,655 |
| Memoranda: | ||
| Average total assets | $583,625,600 | 1,139 |
| Average earning assets | $564,579,600 | 1,076 |
| Average equity | $54,532,000 | 1,307 |
| Average total loans | $459,821,600 | 928 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4217% | 2,517 |
| Cost of funding earning assets | 1.0880% | 331 |
| Net interest margin | 3.3337% | 4,520 |
| Noninterest income to average assets | 0.0324% | 6,672 |
| Noninterest expense to average assets | 1.8142% | 6,322 |
| Loan and lease loss provision to assets | 0.1583% | 2,283 |
| Net operating income to assets | 0.7771% | 3,475 |
| Return on assets (ROA) | 0.8060% | 3,446 |
| Pretax return on assets | 1.3323% | 2,203 |
| Return on Equity (ROE) | 8.5815% | 2,848 |
| Retained earnings to average equity (ytd only) | 6.2460% | 2,263 |
| Net charge-offs to loans | 0.0315% | 4,502 |
| Credit loss provision to net charge-offs | 634.2593% | 451 |
| Earnings coverage of net charge-offs (x) | 57.9060% | 776 |
| Efficiency ratio | 55.6548% | 5,953 |
| Assets per employee ($millions) | 9.3014% | 286 |
| Cash dividends to net income (ytd only)* | 27.2153% | 2,794 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1919% | 4,902 |
| Loan loss allowance to noncurrent loans | 99.2794% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 1.0109% | 3,631 |
| Noncurrent loans to loans | 1.2006% | 3,417 |
| Net loans and leases to total assets | 79.9134% | 560 |
| Net loans and leases to deposits | 88.6581% | 1,300 |
| Net loans and leases to core deposits | 126.5278% | 234 |
| Total domestic deposits to total assets | 90.1367% | 922 |
| Equity capital to assets | 9.3678% | 4,721 |
| Core capital (leverage) ratio | 9.5516% | 4,331 |
| Tier 1 risk-based capital ratio | 11.6778% | 5,959 |
| Total risk-based capital ratio | 12.8480% | 5,975 |
| Memoranda: | ||
| Average total assets | $576,834,250 | 1,165 |
| Average earning assets | $558,440,500 | 1,095 |
| Average equity | $54,177,500 | 1,323 |
| Average total loans | $456,745,500 | 936 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3929% | 2,588 |
| Cost of funding earning assets | 1.0944% | 349 |
| Net interest margin | 3.2986% | 4,585 |
| Noninterest income to average assets | 0.0338% | 6,715 |
| Noninterest expense to average assets | 1.8373% | 6,316 |
| Loan and lease loss provision to assets | 0.1603% | 2,320 |
| Net operating income to assets | 0.7445% | 3,596 |
| Return on assets (ROA) | 0.7885% | 3,521 |
| Pretax return on assets | 1.3008% | 2,296 |
| Return on Equity (ROE) | 8.3873% | 2,902 |
| Retained earnings to average equity (ytd only) | 6.0513% | 2,404 |
| Net charge-offs to loans | -0.0009% | 5,498 |
| Credit loss provision to net charge-offs | -23,000.0000% | 6,298 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8854% | 5,865 |
| Assets per employee ($millions) | 9.6479% | 244 |
| Cash dividends to net income (ytd only)* | 27.8515% | 2,735 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1721% | 5,139 |
| Loan loss allowance to noncurrent loans | 91.2749% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 1.0302% | 3,692 |
| Noncurrent loans to loans | 1.2841% | 3,407 |
| Net loans and leases to total assets | 79.2863% | 607 |
| Net loans and leases to deposits | 87.5339% | 1,401 |
| Net loans and leases to core deposits | 123.6333% | 260 |
| Total domestic deposits to total assets | 90.5778% | 716 |
| Equity capital to assets | 9.1301% | 5,065 |
| Core capital (leverage) ratio | 9.5246% | 4,207 |
| Tier 1 risk-based capital ratio | 11.4608% | 6,129 |
| Total risk-based capital ratio | 12.6111% | 6,138 |
| Memoranda: | ||
| Average total assets | $573,783,000 | 1,171 |
| Average earning assets | $555,936,330 | 1,103 |
| Average equity | $53,938,670 | 1,333 |
| Average total loans | $451,016,670 | 946 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4210% | 2,450 |
| Cost of funding earning assets | 1.0985% | 376 |
| Net interest margin | 3.3225% | 4,434 |
| Noninterest income to average assets | 0.0360% | 6,779 |
| Noninterest expense to average assets | 1.8630% | 6,345 |
| Loan and lease loss provision to assets | 0.0989% | 3,033 |
| Net operating income to assets | 0.7846% | 3,247 |
| Return on assets (ROA) | 0.8086% | 3,244 |
| Pretax return on assets | 1.3326% | 2,112 |
| Return on Equity (ROE) | 8.4750% | 2,731 |
| Retained earnings to average equity (ytd only) | 6.1656% | 2,591 |
| Net charge-offs to loans | -0.0009% | 5,147 |
| Credit loss provision to net charge-offs | -14,000.0000% | 5,949 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1986% | 5,937 |
| Assets per employee ($millions) | 9.8500% | 242 |
| Cash dividends to net income (ytd only)* | 27.2489% | 2,161 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1705% | 5,320 |
| Loan loss allowance to noncurrent loans | 86.2508% | 3,741 |
| Noncurrent assets plus other real estate owned to assets | 1.0765% | 3,778 |
| Noncurrent loans to loans | 1.3571% | 3,530 |
| Net loans and leases to total assets | 78.3925% | 571 |
| Net loans and leases to deposits | 87.1368% | 1,228 |
| Net loans and leases to core deposits | 126.1590% | 204 |
| Total domestic deposits to total assets | 89.9648% | 1,074 |
| Equity capital to assets | 9.6826% | 4,586 |
| Core capital (leverage) ratio | 9.5364% | 4,017 |
| Tier 1 risk-based capital ratio | 12.1156% | 5,846 |
| Total risk-based capital ratio | 13.2790% | 5,855 |
| Memoranda: | ||
| Average total assets | $566,413,000 | 1,198 |
| Average earning assets | $549,105,500 | 1,122 |
| Average equity | $54,041,500 | 1,348 |
| Average total loans | $440,449,000 | 972 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6215% | 2,915 |
| Cost of funding earning assets | 1.1985% | 586 |
| Net interest margin | 3.4230% | 4,806 |
| Noninterest income to average assets | 0.0332% | 6,741 |
| Noninterest expense to average assets | 1.8372% | 6,574 |
| Loan and lease loss provision to assets | 0.2288% | 2,843 |
| Net operating income to assets | 0.7723% | 3,407 |
| Return on assets (ROA) | 0.8020% | 3,529 |
| Pretax return on assets | 1.3264% | 2,300 |
| Return on Equity (ROE) | 7.9092% | 3,122 |
| Retained earnings to average equity (ytd only) | 3.2032% | 3,970 |
| Net charge-offs to loans | 0.1494% | 4,195 |
| Credit loss provision to net charge-offs | 199.6667% | 1,305 |
| Earnings coverage of net charge-offs (x) | 13.1683% | 1,856 |
| Efficiency ratio | 54.9081% | 6,187 |
| Assets per employee ($millions) | 10.2031% | 220 |
| Cash dividends to net income (ytd only)* | 59.5000% | 1,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 5,287 |
| Loan loss allowance to noncurrent loans | 85.3297% | 3,755 |
| Noncurrent assets plus other real estate owned to assets | 1.0403% | 3,951 |
| Noncurrent loans to loans | 1.3647% | 3,549 |
| Net loans and leases to total assets | 75.3407% | 1,008 |
| Net loans and leases to deposits | 83.4686% | 1,819 |
| Net loans and leases to core deposits | 118.5427% | 311 |
| Total domestic deposits to total assets | 90.2622% | 821 |
| Equity capital to assets | 9.4019% | 4,996 |
| Core capital (leverage) ratio | 9.6328% | 3,915 |
| Tier 1 risk-based capital ratio | 12.0654% | 5,750 |
| Total risk-based capital ratio | 13.2106% | 5,770 |
| Memoranda: | ||
| Average total assets | $523,666,200 | 1,270 |
| Average earning assets | $506,801,800 | 1,194 |
| Average equity | $53,102,800 | 1,339 |
| Average total loans | $401,546,600 | 1,040 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6634% | 2,950 |
| Cost of funding earning assets | 1.2211% | 635 |
| Net interest margin | 3.4423% | 4,869 |
| Noninterest income to average assets | 0.0326% | 6,856 |
| Noninterest expense to average assets | 1.8869% | 6,541 |
| Loan and lease loss provision to assets | 0.2306% | 2,744 |
| Net operating income to assets | 0.7508% | 3,689 |
| Return on assets (ROA) | 0.7905% | 3,737 |
| Pretax return on assets | 1.3066% | 2,581 |
| Return on Equity (ROE) | 7.6399% | 3,452 |
| Retained earnings to average equity (ytd only) | 5.2805% | 3,170 |
| Net charge-offs to loans | 0.1143% | 4,240 |
| Credit loss provision to net charge-offs | 262.6113% | 1,050 |
| Earnings coverage of net charge-offs (x) | 16.8013% | 1,659 |
| Efficiency ratio | 56.1221% | 6,042 |
| Assets per employee ($millions) | 10.1628% | 222 |
| Cash dividends to net income (ytd only)* | 30.8833% | 2,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 5,271 |
| Loan loss allowance to noncurrent loans | 84.6452% | 3,701 |
| Noncurrent assets plus other real estate owned to assets | 1.0811% | 4,134 |
| Noncurrent loans to loans | 1.4197% | 3,671 |
| Net loans and leases to total assets | 75.2329% | 1,087 |
| Net loans and leases to deposits | 83.8365% | 1,888 |
| Net loans and leases to core deposits | 123.1339% | 262 |
| Total domestic deposits to total assets | 89.7377% | 974 |
| Equity capital to assets | 9.8817% | 4,666 |
| Core capital (leverage) ratio | 9.9181% | 3,670 |
| Tier 1 risk-based capital ratio | 12.6238% | 5,540 |
| Total risk-based capital ratio | 13.8022% | 5,563 |
| Memoranda: | ||
| Average total assets | $511,739,250 | 1,323 |
| Average earning assets | $494,960,250 | 1,244 |
| Average equity | $52,948,500 | 1,354 |
| Average total loans | $393,046,000 | 1,075 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6776% | 3,016 |
| Cost of funding earning assets | 1.2318% | 706 |
| Net interest margin | 3.4458% | 4,899 |
| Noninterest income to average assets | 0.0320% | 6,916 |
| Noninterest expense to average assets | 1.8607% | 6,668 |
| Loan and lease loss provision to assets | 0.2503% | 2,575 |
| Net operating income to assets | 0.7577% | 3,564 |
| Return on assets (ROA) | 0.7577% | 3,839 |
| Pretax return on assets | 1.2527% | 2,715 |
| Return on Equity (ROE) | 7.2047% | 3,668 |
| Retained earnings to average equity (ytd only) | 4.8285% | 3,385 |
| Net charge-offs to loans | -0.0010% | 6,080 |
| Credit loss provision to net charge-offs | -31,250.0000% | 6,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3161% | 6,187 |
| Assets per employee ($millions) | 9.2409% | 298 |
| Cash dividends to net income (ytd only)* | 32.9810% | 2,472 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2668% | 5,049 |
| Loan loss allowance to noncurrent loans | 85.4868% | 3,601 |
| Noncurrent assets plus other real estate owned to assets | 1.1328% | 4,122 |
| Noncurrent loans to loans | 1.4818% | 3,688 |
| Net loans and leases to total assets | 75.4792% | 1,035 |
| Net loans and leases to deposits | 84.2614% | 1,822 |
| Net loans and leases to core deposits | 125.7406% | 250 |
| Total domestic deposits to total assets | 89.5774% | 1,177 |
| Equity capital to assets | 10.1591% | 4,110 |
| Core capital (leverage) ratio | 10.1981% | 3,146 |
| Tier 1 risk-based capital ratio | 12.9459% | 5,219 |
| Total risk-based capital ratio | 14.1935% | 5,200 |
| Memoranda: | ||
| Average total assets | $499,388,000 | 1,354 |
| Average earning assets | $482,851,330 | 1,282 |
| Average equity | $52,521,330 | 1,356 |
| Average total loans | $384,763,000 | 1,100 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6419% | 3,302 |
| Cost of funding earning assets | 1.2436% | 800 |
| Net interest margin | 3.3983% | 5,130 |
| Noninterest income to average assets | 0.0329% | 7,000 |
| Noninterest expense to average assets | 1.8554% | 6,726 |
| Loan and lease loss provision to assets | 0.2429% | 2,526 |
| Net operating income to assets | 0.7387% | 3,688 |
| Return on assets (ROA) | 0.7387% | 3,924 |
| Pretax return on assets | 1.2180% | 2,845 |
| Return on Equity (ROE) | 6.8965% | 3,835 |
| Retained earnings to average equity (ytd only) | 4.4977% | 3,891 |
| Net charge-offs to loans | -0.0021% | 5,725 |
| Credit loss provision to net charge-offs | -14,750.0000% | 6,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9474% | 6,127 |
| Assets per employee ($millions) | 8.7998% | 346 |
| Cash dividends to net income (ytd only)* | 34.7826% | 1,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2343% | 5,342 |
| Loan loss allowance to noncurrent loans | 74.9215% | 3,847 |
| Noncurrent assets plus other real estate owned to assets | 1.2696% | 4,018 |
| Noncurrent loans to loans | 1.6475% | 3,633 |
| Net loans and leases to total assets | 76.1082% | 786 |
| Net loans and leases to deposits | 85.2136% | 1,510 |
| Net loans and leases to core deposits | 130.8016% | 195 |
| Total domestic deposits to total assets | 89.3146% | 1,473 |
| Equity capital to assets | 10.3963% | 3,619 |
| Core capital (leverage) ratio | 10.6139% | 2,634 |
| Tier 1 risk-based capital ratio | 13.3049% | 4,972 |
| Total risk-based capital ratio | 14.5207% | 4,994 |
| Memoranda: | ||
| Average total assets | $485,716,000 | 1,391 |
| Average earning assets | $469,292,000 | 1,325 |
| Average equity | $52,026,500 | 1,363 |
| Average total loans | $375,807,500 | 1,126 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9986% | 2,885 |
| Cost of funding earning assets | 1.1945% | 2,069 |
| Net interest margin | 3.8041% | 3,796 |
| Noninterest income to average assets | 0.0500% | 6,834 |
| Noninterest expense to average assets | 2.0751% | 6,539 |
| Loan and lease loss provision to assets | 0.2857% | 3,374 |
| Net operating income to assets | 0.8023% | 3,028 |
| Return on assets (ROA) | 0.8023% | 3,194 |
| Pretax return on assets | 1.3395% | 1,985 |
| Return on Equity (ROE) | 6.4941% | 3,647 |
| Retained earnings to average equity (ytd only) | 2.4221% | 4,494 |
| Net charge-offs to loans | 0.1360% | 5,052 |
| Credit loss provision to net charge-offs | 258.2969% | 935 |
| Earnings coverage of net charge-offs (x) | 14.6921% | 1,439 |
| Efficiency ratio | 56.0799% | 6,308 |
| Assets per employee ($millions) | 9.2126% | 301 |
| Cash dividends to net income (ytd only)* | 62.7032% | 1,441 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2254% | 5,277 |
| Loan loss allowance to noncurrent loans | 72.2079% | 3,962 |
| Noncurrent assets plus other real estate owned to assets | 1.3187% | 4,019 |
| Noncurrent loans to loans | 1.6971% | 3,618 |
| Net loans and leases to total assets | 76.7532% | 857 |
| Net loans and leases to deposits | 86.6533% | 1,584 |
| Net loans and leases to core deposits | 131.0646% | 228 |
| Total domestic deposits to total assets | 88.5751% | 1,803 |
| Equity capital to assets | 11.0475% | 2,937 |
| Core capital (leverage) ratio | 11.3683% | 1,989 |
| Tier 1 risk-based capital ratio | 14.0123% | 4,319 |
| Total risk-based capital ratio | 15.2274% | 4,294 |
| Memoranda: | ||
| Average total assets | $414,047,000 | 1,572 |
| Average earning assets | $397,309,400 | 1,499 |
| Average equity | $51,153,800 | 1,340 |
| Average total loans | $336,689,000 | 1,258 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0734% | 2,740 |
| Cost of funding earning assets | 1.1859% | 2,409 |
| Net interest margin | 3.8875% | 3,446 |
| Noninterest income to average assets | 0.0543% | 6,941 |
| Noninterest expense to average assets | 2.1707% | 6,341 |
| Loan and lease loss provision to assets | 0.2993% | 3,132 |
| Net operating income to assets | 0.7835% | 3,239 |
| Return on assets (ROA) | 0.7835% | 3,407 |
| Pretax return on assets | 1.3073% | 2,265 |
| Return on Equity (ROE) | 6.1504% | 3,953 |
| Retained earnings to average equity (ytd only) | 0.7011% | 5,736 |
| Net charge-offs to loans | 0.1412% | 4,655 |
| Credit loss provision to net charge-offs | 257.3066% | 1,112 |
| Earnings coverage of net charge-offs (x) | 13.8138% | 1,583 |
| Efficiency ratio | 57.4680% | 6,084 |
| Assets per employee ($millions) | 8.9056% | 345 |
| Cash dividends to net income (ytd only)* | 88.6004% | 455 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2180% | 5,397 |
| Loan loss allowance to noncurrent loans | 70.2058% | 3,964 |
| Noncurrent assets plus other real estate owned to assets | 1.4029% | 4,028 |
| Noncurrent loans to loans | 1.7348% | 3,716 |
| Net loans and leases to total assets | 79.8829% | 529 |
| Net loans and leases to deposits | 91.3594% | 1,064 |
| Net loans and leases to core deposits | 141.3722% | 178 |
| Total domestic deposits to total assets | 87.4381% | 2,386 |
| Equity capital to assets | 11.6700% | 2,526 |
| Core capital (leverage) ratio | 12.0414% | 1,683 |
| Tier 1 risk-based capital ratio | 14.3516% | 4,090 |
| Total risk-based capital ratio | 15.5711% | 4,078 |
| Memoranda: | ||
| Average total assets | $400,098,250 | 1,628 |
| Average earning assets | $383,166,500 | 1,555 |
| Average equity | $50,965,750 | 1,342 |
| Average total loans | $329,588,000 | 1,292 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1576% | 2,432 |
| Cost of funding earning assets | 1.1915% | 2,632 |
| Net interest margin | 3.9661% | 3,010 |
| Noninterest income to average assets | 0.0588% | 7,011 |
| Noninterest expense to average assets | 2.2902% | 6,157 |
| Loan and lease loss provision to assets | 0.3082% | 2,948 |
| Net operating income to assets | 0.7474% | 3,307 |
| Return on assets (ROA) | 0.7474% | 3,430 |
| Pretax return on assets | 1.2520% | 2,300 |
| Return on Equity (ROE) | 5.6886% | 4,123 |
| Retained earnings to average equity (ytd only) | 5.6886% | 2,600 |
| Net charge-offs to loans | 0.0143% | 5,644 |
| Credit loss provision to net charge-offs | 2,600.0000% | 124 |
| Earnings coverage of net charge-offs (x) | 131.6087% | 269 |
| Efficiency ratio | 59.4779% | 5,945 |
| Assets per employee ($millions) | 8.2306% | 419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2920% | 5,097 |
| Loan loss allowance to noncurrent loans | 65.5748% | 4,157 |
| Noncurrent assets plus other real estate owned to assets | 1.6350% | 3,727 |
| Noncurrent loans to loans | 1.9703% | 3,519 |
| Net loans and leases to total assets | 81.9131% | 378 |
| Net loans and leases to deposits | 94.4125% | 845 |
| Net loans and leases to core deposits | 148.3310% | 153 |
| Total domestic deposits to total assets | 86.7609% | 2,880 |
| Equity capital to assets | 12.8875% | 1,577 |
| Core capital (leverage) ratio | 12.7625% | 1,265 |
| Tier 1 risk-based capital ratio | 15.5252% | 3,224 |
| Total risk-based capital ratio | 16.7759% | 3,170 |
| Memoranda: | ||
| Average total assets | $388,005,670 | 1,689 |
| Average earning assets | $370,945,670 | 1,622 |
| Average equity | $50,979,330 | 1,320 |
| Average total loans | $321,821,330 | 1,339 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1516% | 2,429 |
| Cost of funding earning assets | 1.1952% | 2,846 |
| Net interest margin | 3.9564% | 2,888 |
| Noninterest income to average assets | 0.0641% | 7,070 |
| Noninterest expense to average assets | 2.2768% | 6,248 |
| Loan and lease loss provision to assets | 0.4059% | 2,160 |
| Net operating income to assets | 0.6720% | 3,652 |
| Return on assets (ROA) | 0.6720% | 3,721 |
| Pretax return on assets | 1.1515% | 2,554 |
| Return on Equity (ROE) | 5.0632% | 4,372 |
| Retained earnings to average equity (ytd only) | 5.0632% | 3,147 |
| Net charge-offs to loans | 0.0292% | 4,689 |
| Credit loss provision to net charge-offs | 1,678.2609% | 231 |
| Earnings coverage of net charge-offs (x) | 64.3913% | 465 |
| Efficiency ratio | 59.3801% | 6,067 |
| Assets per employee ($millions) | 8.6770% | 363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 5,382 |
| Loan loss allowance to noncurrent loans | 132.5169% | 2,216 |
| Noncurrent assets plus other real estate owned to assets | 1.2910% | 4,385 |
| Noncurrent loans to loans | 0.9441% | 5,149 |
| Net loans and leases to total assets | 83.1244% | 266 |
| Net loans and leases to deposits | 96.1037% | 683 |
| Net loans and leases to core deposits | 145.4973% | 170 |
| Total domestic deposits to total assets | 86.4945% | 3,237 |
| Equity capital to assets | 13.0166% | 1,376 |
| Core capital (leverage) ratio | 13.3384% | 1,016 |
| Tier 1 risk-based capital ratio | 15.6814% | 3,065 |
| Total risk-based capital ratio | 16.9316% | 3,029 |
| Memoranda: | ||
| Average total assets | $380,359,500 | 1,729 |
| Average earning assets | $362,450,000 | 1,659 |
| Average equity | $50,481,500 | 1,322 |
| Average total loans | $315,393,000 | 1,382 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1564% | 3,821 |
| Cost of funding earning assets | 1.3146% | 3,791 |
| Net interest margin | 3.8418% | 3,769 |
| Noninterest income to average assets | 0.0594% | 7,066 |
| Noninterest expense to average assets | 2.3221% | 6,298 |
| Loan and lease loss provision to assets | 0.3851% | 3,805 |
| Net operating income to assets | 0.5971% | 3,680 |
| Return on assets (ROA) | 0.6206% | 3,746 |
| Pretax return on assets | 1.0452% | 2,789 |
| Return on Equity (ROE) | 4.2632% | 4,405 |
| Retained earnings to average equity (ytd only) | 0.8582% | 5,118 |
| Net charge-offs to loans | 0.1345% | 5,568 |
| Credit loss provision to net charge-offs | 353.1746% | 729 |
| Earnings coverage of net charge-offs (x) | 12.7804% | 1,469 |
| Efficiency ratio | 62.4922% | 5,633 |
| Assets per employee ($millions) | 9.0306% | 334 |
| Cash dividends to net income (ytd only)* | 79.8698% | 858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 5,321 |
| Loan loss allowance to noncurrent loans | 173.6452% | 1,715 |
| Noncurrent assets plus other real estate owned to assets | 1.1065% | 4,798 |
| Noncurrent loans to loans | 0.7147% | 5,620 |
| Net loans and leases to total assets | 80.5807% | 587 |
| Net loans and leases to deposits | 93.6980% | 1,088 |
| Net loans and leases to core deposits | 141.2353% | 221 |
| Total domestic deposits to total assets | 86.0005% | 3,358 |
| Equity capital to assets | 13.5415% | 1,169 |
| Core capital (leverage) ratio | 13.8519% | 871 |
| Tier 1 risk-based capital ratio | 16.7892% | 2,430 |
| Total risk-based capital ratio | 18.0424% | 2,395 |
| Memoranda: | ||
| Average total assets | $346,618,800 | 1,880 |
| Average earning assets | $329,898,600 | 1,809 |
| Average equity | $50,455,000 | 1,318 |
| Average total loans | $281,136,200 | 1,591 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1659% | 4,009 |
| Cost of funding earning assets | 1.3312% | 4,030 |
| Net interest margin | 3.8347% | 3,820 |
| Noninterest income to average assets | 0.0595% | 7,229 |
| Noninterest expense to average assets | 2.2384% | 6,499 |
| Loan and lease loss provision to assets | 0.4246% | 3,363 |
| Net operating income to assets | 0.6191% | 3,798 |
| Return on assets (ROA) | 0.6191% | 3,964 |
| Pretax return on assets | 1.0456% | 3,012 |
| Return on Equity (ROE) | 4.1740% | 4,688 |
| Retained earnings to average equity (ytd only) | 4.1740% | 3,540 |
| Net charge-offs to loans | 0.1827% | 4,864 |
| Credit loss provision to net charge-offs | 287.0370% | 1,126 |
| Earnings coverage of net charge-offs (x) | 9.9391% | 1,938 |
| Efficiency ratio | 60.3567% | 5,898 |
| Assets per employee ($millions) | 8.3692% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2242% | 5,374 |
| Loan loss allowance to noncurrent loans | 185.1323% | 1,554 |
| Noncurrent assets plus other real estate owned to assets | 1.0637% | 4,987 |
| Noncurrent loans to loans | 0.6613% | 5,880 |
| Net loans and leases to total assets | 78.4493% | 963 |
| Net loans and leases to deposits | 92.0059% | 1,446 |
| Net loans and leases to core deposits | 135.6074% | 305 |
| Total domestic deposits to total assets | 85.2655% | 3,483 |
| Equity capital to assets | 14.3485% | 1,064 |
| Core capital (leverage) ratio | 14.6069% | 795 |
| Tier 1 risk-based capital ratio | 18.0986% | 1,998 |
| Total risk-based capital ratio | 19.3338% | 1,964 |
| Memoranda: | ||
| Average total assets | $340,709,750 | 1,946 |
| Average earning assets | $324,222,250 | 1,859 |
| Average equity | $50,534,250 | 1,326 |
| Average total loans | $275,894,500 | 1,643 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1839% | 4,028 |
| Cost of funding earning assets | 1.3392% | 4,261 |
| Net interest margin | 3.8447% | 3,692 |
| Noninterest income to average assets | 0.0586% | 7,290 |
| Noninterest expense to average assets | 2.2757% | 6,421 |
| Loan and lease loss provision to assets | 0.3918% | 3,372 |
| Net operating income to assets | 0.6210% | 3,777 |
| Return on assets (ROA) | 0.6210% | 3,913 |
| Pretax return on assets | 1.0529% | 2,923 |
| Return on Equity (ROE) | 4.1382% | 4,717 |
| Retained earnings to average equity (ytd only) | 4.1382% | 3,439 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1674% | 5,826 |
| Assets per employee ($millions) | 8.6206% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2388% | 5,245 |
| Loan loss allowance to noncurrent loans | 84.1103% | 3,242 |
| Noncurrent assets plus other real estate owned to assets | 1.1592% | 4,812 |
| Noncurrent loans to loans | 1.4728% | 4,495 |
| Net loans and leases to total assets | 77.7309% | 1,159 |
| Net loans and leases to deposits | 91.2244% | 1,665 |
| Net loans and leases to core deposits | 133.3683% | 374 |
| Total domestic deposits to total assets | 85.2084% | 3,517 |
| Equity capital to assets | 14.3969% | 1,040 |
| Core capital (leverage) ratio | 14.8619% | 753 |
| Tier 1 risk-based capital ratio | 18.5262% | 1,822 |
| Total risk-based capital ratio | 19.7763% | 1,793 |
| Memoranda: | ||
| Average total assets | $334,320,670 | 1,991 |
| Average earning assets | $318,410,000 | 1,908 |
| Average equity | $50,166,670 | 1,330 |
| Average total loans | $272,586,000 | 1,679 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2375% | 3,845 |
| Cost of funding earning assets | 1.3527% | 4,471 |
| Net interest margin | 3.8848% | 3,395 |
| Noninterest income to average assets | 0.0468% | 7,478 |
| Noninterest expense to average assets | 2.3451% | 6,266 |
| Loan and lease loss provision to assets | 0.3326% | 3,401 |
| Net operating income to assets | 0.6331% | 3,740 |
| Return on assets (ROA) | 0.6331% | 3,863 |
| Pretax return on assets | 1.0654% | 2,862 |
| Return on Equity (ROE) | 4.1279% | 4,835 |
| Retained earnings to average equity (ytd only) | 4.1279% | 3,673 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6522% | 5,717 |
| Assets per employee ($millions) | 8.0466% | 510 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1109% | 5,957 |
| Loan loss allowance to noncurrent loans | 98.3933% | 2,821 |
| Noncurrent assets plus other real estate owned to assets | 0.9433% | 5,258 |
| Noncurrent loans to loans | 1.1290% | 5,105 |
| Net loans and leases to total assets | 82.6198% | 521 |
| Net loans and leases to deposits | 97.8665% | 920 |
| Net loans and leases to core deposits | 147.7697% | 256 |
| Total domestic deposits to total assets | 84.4209% | 3,935 |
| Equity capital to assets | 15.1799% | 839 |
| Core capital (leverage) ratio | 15.4424% | 664 |
| Tier 1 risk-based capital ratio | 18.6230% | 1,808 |
| Total risk-based capital ratio | 19.7622% | 1,798 |
| Memoranda: | ||
| Average total assets | $324,758,500 | 2,093 |
| Average earning assets | $309,001,500 | 2,022 |
| Average equity | $49,807,500 | 1,342 |
| Average total loans | $269,788,000 | 1,743 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1684% | 5,796 |
| Cost of funding earning assets | 1.9788% | 3,065 |
| Net interest margin | 3.1896% | 6,129 |
| Noninterest income to average assets | 0.0579% | 7,469 |
| Noninterest expense to average assets | 2.2868% | 6,785 |
| Loan and lease loss provision to assets | 0.1350% | 6,290 |
| Net operating income to assets | 0.4002% | 4,129 |
| Return on assets (ROA) | 0.4002% | 4,230 |
| Pretax return on assets | 0.6797% | 3,644 |
| Return on Equity (ROE) | 2.5733% | 4,675 |
| Retained earnings to average equity (ytd only) | -0.6244% | 5,145 |
| Net charge-offs to loans | 0.0012% | 7,237 |
| Credit loss provision to net charge-offs | 14,133.3333% | 25 |
| Earnings coverage of net charge-offs (x) | 853.0000% | 29 |
| Efficiency ratio | 73.7323% | 3,953 |
| Assets per employee ($millions) | 7.6097% | 603 |
| Cash dividends to net income (ytd only)* | 124.2641% | 380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0578% | 6,097 |
| Loan loss allowance to noncurrent loans | 70.5407% | 3,889 |
| Noncurrent assets plus other real estate owned to assets | 1.2384% | 4,618 |
| Noncurrent loans to loans | 1.4996% | 4,413 |
| Net loans and leases to total assets | 81.7101% | 733 |
| Net loans and leases to deposits | 97.7574% | 1,129 |
| Net loans and leases to core deposits | 214.3260% | 72 |
| Total domestic deposits to total assets | 83.5846% | 4,241 |
| Equity capital to assets | 15.4987% | 786 |
| Core capital (leverage) ratio | 15.1030% | 757 |
| Tier 1 risk-based capital ratio | 19.1327% | 1,627 |
| Total risk-based capital ratio | 20.2125% | 1,626 |
| Memoranda: | ||
| Average total assets | $314,109,400 | 2,139 |
| Average earning assets | $299,727,200 | 2,076 |
| Average equity | $48,847,000 | 1,377 |
| Average total loans | $250,810,600 | 1,890 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1164% | 6,210 |
| Cost of funding earning assets | 2.0591% | 3,075 |
| Net interest margin | 3.0574% | 6,439 |
| Noninterest income to average assets | 0.0601% | 7,606 |
| Noninterest expense to average assets | 2.2626% | 6,807 |
| Loan and lease loss provision to assets | 0.1189% | 6,177 |
| Net operating income to assets | 0.3504% | 4,597 |
| Return on assets (ROA) | 0.3504% | 4,693 |
| Pretax return on assets | 0.5981% | 4,192 |
| Return on Equity (ROE) | 2.2516% | 5,081 |
| Retained earnings to average equity (ytd only) | 2.2516% | 4,072 |
| Net charge-offs to loans | 0.0016% | 6,971 |
| Credit loss provision to net charge-offs | 9,300.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 560.6525% | 59 |
| Efficiency ratio | 75.9336% | 3,526 |
| Assets per employee ($millions) | 7.6892% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0200% | 6,165 |
| Loan loss allowance to noncurrent loans | 106.7769% | 2,614 |
| Noncurrent assets plus other real estate owned to assets | 0.7676% | 5,592 |
| Noncurrent loans to loans | 0.9553% | 5,383 |
| Net loans and leases to total assets | 79.5356% | 1,279 |
| Net loans and leases to deposits | 94.8109% | 1,747 |
| Net loans and leases to core deposits | 201.2450% | 99 |
| Total domestic deposits to total assets | 83.8886% | 3,773 |
| Equity capital to assets | 15.6413% | 864 |
| Core capital (leverage) ratio | 16.0054% | 673 |
| Tier 1 risk-based capital ratio | 19.9075% | 1,578 |
| Total risk-based capital ratio | 20.9511% | 1,575 |
| Memoranda: | ||
| Average total assets | $312,734,750 | 2,158 |
| Average earning assets | $298,638,500 | 2,102 |
| Average equity | $48,675,000 | 1,404 |
| Average total loans | $247,527,250 | 1,934 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0138% | 6,720 |
| Cost of funding earning assets | 2.1779% | 2,898 |
| Net interest margin | 2.8359% | 6,944 |
| Noninterest income to average assets | 0.0556% | 7,714 |
| Noninterest expense to average assets | 2.2843% | 6,800 |
| Loan and lease loss provision to assets | 0.1325% | 5,766 |
| Net operating income to assets | 0.1985% | 5,268 |
| Return on assets (ROA) | 0.1985% | 5,349 |
| Pretax return on assets | 0.3472% | 5,077 |
| Return on Equity (ROE) | 1.2775% | 5,546 |
| Retained earnings to average equity (ytd only) | 1.2775% | 4,632 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.6433% | 2,645 |
| Assets per employee ($millions) | 7.6715% | 574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0110% | 6,145 |
| Loan loss allowance to noncurrent loans | 128.9935% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.6508% | 5,786 |
| Noncurrent loans to loans | 0.7838% | 5,665 |
| Net loans and leases to total assets | 82.1944% | 926 |
| Net loans and leases to deposits | 97.9994% | 1,516 |
| Net loans and leases to core deposits | 202.1966% | 116 |
| Total domestic deposits to total assets | 83.8723% | 3,834 |
| Equity capital to assets | 15.7245% | 882 |
| Core capital (leverage) ratio | 15.3101% | 856 |
| Tier 1 risk-based capital ratio | 19.4904% | 1,677 |
| Total risk-based capital ratio | 20.5284% | 1,681 |
| Memoranda: | ||
| Average total assets | $309,331,000 | 2,207 |
| Average earning assets | $295,422,670 | 2,144 |
| Average equity | $48,062,330 | 1,431 |
| Average total loans | $243,535,000 | 1,979 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8485% | 7,292 |
| Cost of funding earning assets | 2.3293% | 2,579 |
| Net interest margin | 2.5192% | 7,475 |
| Noninterest income to average assets | 0.0489% | 7,837 |
| Noninterest expense to average assets | 2.1084% | 7,097 |
| Loan and lease loss provision to assets | 0.0786% | 5,967 |
| Net operating income to assets | 0.1494% | 5,824 |
| Return on assets (ROA) | 0.1494% | 5,994 |
| Pretax return on assets | 0.2705% | 5,760 |
| Return on Equity (ROE) | 0.9673% | 6,134 |
| Retained earnings to average equity (ytd only) | 0.9673% | 5,261 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.7966% | 2,094 |
| Assets per employee ($millions) | 8.5684% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 6,114 |
| Loan loss allowance to noncurrent loans | 121.7827% | 2,571 |
| Noncurrent assets plus other real estate owned to assets | 0.6299% | 5,601 |
| Noncurrent loans to loans | 0.8291% | 5,371 |
| Net loans and leases to total assets | 75.2106% | 2,451 |
| Net loans and leases to deposits | 89.0144% | 3,102 |
| Net loans and leases to core deposits | 184.6076% | 207 |
| Total domestic deposits to total assets | 84.4927% | 3,462 |
| Equity capital to assets | 15.1629% | 1,056 |
| Core capital (leverage) ratio | 15.3102% | 898 |
| Tier 1 risk-based capital ratio | 20.4608% | 1,528 |
| Total risk-based capital ratio | 21.4960% | 1,532 |
| Memoranda: | ||
| Average total assets | $310,567,500 | 2,211 |
| Average earning assets | $296,918,500 | 2,141 |
| Average equity | $47,967,500 | 1,435 |
| Average total loans | $237,904,500 | 2,040 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5818% | 7,128 |
| Cost of funding earning assets | 2.9129% | 2,206 |
| Net interest margin | 2.6689% | 7,548 |
| Noninterest income to average assets | 0.0858% | 7,708 |
| Noninterest expense to average assets | 2.0969% | 7,246 |
| Loan and lease loss provision to assets | 0.1676% | 5,236 |
| Net operating income to assets | 0.1920% | 5,874 |
| Return on assets (ROA) | 0.1925% | 5,691 |
| Pretax return on assets | 0.3458% | 5,405 |
| Return on Equity (ROE) | 1.1263% | 5,882 |
| Retained earnings to average equity (ytd only) | 1.1263% | 4,557 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.3526% | 2,545 |
| Assets per employee ($millions) | 8.9442% | 353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0092% | 5,947 |
| Loan loss allowance to noncurrent loans | 118.7281% | 2,999 |
| Noncurrent assets plus other real estate owned to assets | 0.6567% | 5,248 |
| Noncurrent loans to loans | 0.8500% | 4,922 |
| Net loans and leases to total assets | 76.4755% | 2,506 |
| Net loans and leases to deposits | 91.5592% | 3,207 |
| Net loans and leases to core deposits | 183.5281% | 253 |
| Total domestic deposits to total assets | 83.5257% | 3,564 |
| Equity capital to assets | 15.7394% | 989 |
| Core capital (leverage) ratio | 16.9521% | 705 |
| Tier 1 risk-based capital ratio | 21.1552% | 1,440 |
| Total risk-based capital ratio | 22.2043% | 1,431 |
| Memoranda: | ||
| Average total assets | $273,834,600 | 2,352 |
| Average earning assets | $258,947,800 | 2,299 |
| Average equity | $46,789,800 | 1,459 |
| Average total loans | $209,626,600 | 2,207 |