Home > Bank of Rio Vista > Performance and Condition Ratios
Bank of Rio Vista, Performance and Condition Ratios
| 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 | 3.4647% | 4,964 |
| Cost of funding earning assets | 0.1918% | 5,048 |
| Net interest margin | 3.2729% | 4,351 |
| Noninterest income to average assets | 0.4881% | 2,930 |
| Noninterest expense to average assets | 2.6750% | 3,047 |
| Loan and lease loss provision to assets | -0.0080% | 5,207 |
| Net operating income to assets | 0.5957% | 4,514 |
| Return on assets (ROA) | 0.5957% | 4,524 |
| Pretax return on assets | 0.8185% | 4,248 |
| Return on Equity (ROE) | 4.8709% | 4,606 |
| Retained earnings to average equity (ytd only) | 4.0616% | 3,742 |
| Net charge-offs to loans | -0.2733% | 5,347 |
| Credit loss provision to net charge-offs | 7.7381% | 3,060 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7483% | 1,264 |
| Assets per employee ($millions) | 6.7356% | 1,060 |
| Cash dividends to net income (ytd only)* | 16.6149% | 3,143 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9873% | 497 |
| Loan loss allowance to noncurrent loans | 78.7715% | 3,844 |
| Noncurrent assets plus other real estate owned to assets | 0.9441% | 1,550 |
| Noncurrent loans to loans | 2.5228% | 515 |
| Net loans and leases to total assets | 36.6803% | 5,117 |
| Net loans and leases to deposits | 42.0067% | 5,153 |
| Net loans and leases to core deposits | 42.3129% | 5,193 |
| Total domestic deposits to total assets | 87.3201% | 1,588 |
| Equity capital to assets | 12.1473% | 1,805 |
| Core capital (leverage) ratio | 13.5231% | 1,096 |
| Tier 1 risk-based capital ratio | 24.0122% | 844 |
| Total risk-based capital ratio | 25.2634% | 824 |
| Memoranda: | ||
| Average total assets | $215,523,250 | 2,743 |
| Average earning assets | $197,375,000 | 2,758 |
| Average equity | $26,360,250 | 2,560 |
| Average total loans | $81,943,500 | 3,655 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4283% | 5,005 |
| Cost of funding earning assets | 0.1645% | 5,181 |
| Net interest margin | 3.2638% | 4,347 |
| Noninterest income to average assets | 0.3406% | 3,901 |
| Noninterest expense to average assets | 2.8842% | 2,395 |
| Loan and lease loss provision to assets | -0.0121% | 5,308 |
| Net operating income to assets | 0.3833% | 4,986 |
| Return on assets (ROA) | 0.3833% | 4,989 |
| Pretax return on assets | 0.4696% | 4,957 |
| Return on Equity (ROE) | 3.1265% | 5,000 |
| Retained earnings to average equity (ytd only) | 1.9152% | 4,489 |
| Net charge-offs to loans | -0.3059% | 5,391 |
| Credit loss provision to net charge-offs | 10.3175% | 2,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.3094% | 555 |
| Assets per employee ($millions) | 6.5635% | 1,148 |
| Cash dividends to net income (ytd only)* | 38.7409% | 2,196 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8557% | 684 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 39.3331% | 5,074 |
| Net loans and leases to deposits | 46.4011% | 5,089 |
| Net loans and leases to core deposits | 46.7588% | 5,129 |
| Total domestic deposits to total assets | 84.7676% | 2,765 |
| Equity capital to assets | 12.3091% | 1,654 |
| Core capital (leverage) ratio | 13.4464% | 1,080 |
| Tier 1 risk-based capital ratio | 23.4077% | 897 |
| Total risk-based capital ratio | 24.6585% | 872 |
| Memoranda: | ||
| Average total assets | $215,518,330 | 2,763 |
| Average earning assets | $198,175,000 | 2,774 |
| Average equity | $26,419,670 | 2,566 |
| Average total loans | $82,370,330 | 3,672 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3676% | 5,058 |
| Cost of funding earning assets | 0.1396% | 5,313 |
| Net interest margin | 3.2280% | 4,380 |
| Noninterest income to average assets | 0.3280% | 3,958 |
| Noninterest expense to average assets | 2.5547% | 3,477 |
| Loan and lease loss provision to assets | -0.0238% | 5,433 |
| Net operating income to assets | 0.6231% | 4,365 |
| Return on assets (ROA) | 0.6231% | 4,377 |
| Pretax return on assets | 0.7642% | 4,243 |
| Return on Equity (ROE) | 5.0931% | 4,453 |
| Retained earnings to average equity (ytd only) | 2.6963% | 4,097 |
| Net charge-offs to loans | -0.1964% | 5,377 |
| Credit loss provision to net charge-offs | 32.5000% | 2,051 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5306% | 1,402 |
| Assets per employee ($millions) | 6.2253% | 1,354 |
| Cash dividends to net income (ytd only)* | 47.0588% | 1,594 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8102% | 772 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 36.7455% | 5,187 |
| Net loans and leases to deposits | 41.9253% | 5,222 |
| Net loans and leases to core deposits | 42.3587% | 5,257 |
| Total domestic deposits to total assets | 87.6453% | 1,824 |
| Equity capital to assets | 11.9843% | 1,799 |
| Core capital (leverage) ratio | 13.0616% | 1,163 |
| Tier 1 risk-based capital ratio | 23.3925% | 905 |
| Total risk-based capital ratio | 24.6425% | 882 |
| Memoranda: | ||
| Average total assets | $218,261,500 | 2,776 |
| Average earning assets | $200,620,000 | 2,781 |
| Average equity | $26,703,000 | 2,573 |
| Average total loans | $81,468,500 | 3,723 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3457% | 5,018 |
| Cost of funding earning assets | 0.1565% | 5,226 |
| Net interest margin | 3.1891% | 4,475 |
| Noninterest income to average assets | 0.8228% | 1,489 |
| Noninterest expense to average assets | 2.4722% | 3,874 |
| Loan and lease loss provision to assets | -0.0492% | 5,393 |
| Net operating income to assets | 1.0052% | 2,218 |
| Return on assets (ROA) | 1.0052% | 2,259 |
| Pretax return on assets | 1.3296% | 2,250 |
| Return on Equity (ROE) | 8.0548% | 2,771 |
| Retained earnings to average equity (ytd only) | 3.7844% | 2,958 |
| Net charge-offs to loans | -0.1355% | 5,445 |
| Credit loss provision to net charge-offs | 100.0000% | 2,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8790% | 3,295 |
| Assets per employee ($millions) | 6.2468% | 1,351 |
| Cash dividends to net income (ytd only)* | 53.0165% | 2,127 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7801% | 809 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 36.5668% | 5,266 |
| Net loans and leases to deposits | 42.0059% | 5,295 |
| Net loans and leases to core deposits | 42.3759% | 5,338 |
| Total domestic deposits to total assets | 87.0517% | 1,969 |
| Equity capital to assets | 12.4836% | 1,527 |
| Core capital (leverage) ratio | 12.8522% | 1,196 |
| Tier 1 risk-based capital ratio | 23.1269% | 903 |
| Total risk-based capital ratio | 24.3631% | 883 |
| Memoranda: | ||
| Average total assets | $217,658,400 | 2,746 |
| Average earning assets | $199,959,600 | 2,765 |
| Average equity | $27,164,000 | 2,536 |
| Average total loans | $78,992,800 | 3,771 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3391% | 5,054 |
| Cost of funding earning assets | 0.1619% | 5,243 |
| Net interest margin | 3.1772% | 4,515 |
| Noninterest income to average assets | 0.9726% | 1,086 |
| Noninterest expense to average assets | 2.4168% | 3,976 |
| Loan and lease loss provision to assets | -0.0466% | 5,519 |
| Net operating income to assets | 1.2172% | 1,621 |
| Return on assets (ROA) | 1.2167% | 1,654 |
| Pretax return on assets | 1.5147% | 1,720 |
| Return on Equity (ROE) | 9.7498% | 2,234 |
| Retained earnings to average equity (ytd only) | 8.2755% | 1,102 |
| Net charge-offs to loans | -0.1293% | 5,445 |
| Credit loss provision to net charge-offs | 100.0000% | 2,276 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2001% | 3,848 |
| Assets per employee ($millions) | 6.1088% | 1,422 |
| Cash dividends to net income (ytd only)* | 15.1210% | 3,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7866% | 874 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 37.2545% | 5,295 |
| Net loans and leases to deposits | 43.2803% | 5,329 |
| Net loans and leases to core deposits | 43.5327% | 5,376 |
| Total domestic deposits to total assets | 86.0772% | 2,280 |
| Equity capital to assets | 13.3952% | 1,204 |
| Core capital (leverage) ratio | 12.5914% | 1,382 |
| Tier 1 risk-based capital ratio | 22.7876% | 962 |
| Total risk-based capital ratio | 24.0406% | 948 |
| Memoranda: | ||
| Average total assets | $217,413,500 | 2,775 |
| Average earning assets | $199,329,500 | 2,798 |
| Average equity | $27,131,500 | 2,552 |
| Average total loans | $78,391,500 | 3,812 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2459% | 5,181 |
| Cost of funding earning assets | 0.1589% | 5,280 |
| Net interest margin | 3.0870% | 4,717 |
| Noninterest income to average assets | 0.4748% | 3,179 |
| Noninterest expense to average assets | 2.4298% | 3,968 |
| Loan and lease loss provision to assets | -0.0256% | 5,570 |
| Net operating income to assets | 0.6314% | 4,156 |
| Return on assets (ROA) | 0.6340% | 4,195 |
| Pretax return on assets | 0.8993% | 3,937 |
| Return on Equity (ROE) | 5.2049% | 4,392 |
| Retained earnings to average equity (ytd only) | 4.1534% | 3,235 |
| Net charge-offs to loans | -0.1058% | 5,425 |
| Credit loss provision to net charge-offs | 68.2927% | 2,400 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6346% | 2,080 |
| Assets per employee ($millions) | 6.5249% | 1,140 |
| Cash dividends to net income (ytd only)* | 20.2020% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8030% | 881 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 35.8912% | 5,381 |
| Net loans and leases to deposits | 42.8875% | 5,372 |
| Net loans and leases to core deposits | 43.1354% | 5,415 |
| Total domestic deposits to total assets | 83.6870% | 3,329 |
| Equity capital to assets | 12.4432% | 1,649 |
| Core capital (leverage) ratio | 11.9484% | 1,661 |
| Tier 1 risk-based capital ratio | 21.3231% | 1,140 |
| Total risk-based capital ratio | 22.5631% | 1,122 |
| Memoranda: | ||
| Average total assets | $218,615,330 | 2,783 |
| Average earning assets | $200,065,670 | 2,804 |
| Average equity | $26,628,670 | 2,587 |
| Average total loans | $77,488,000 | 3,855 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1816% | 5,265 |
| Cost of funding earning assets | 0.1474% | 5,393 |
| Net interest margin | 3.0342% | 4,821 |
| Noninterest income to average assets | 0.3871% | 3,758 |
| Noninterest expense to average assets | 2.4572% | 3,941 |
| Loan and lease loss provision to assets | -0.0147% | 5,666 |
| Net operating income to assets | 0.5235% | 4,503 |
| Return on assets (ROA) | 0.5235% | 4,538 |
| Pretax return on assets | 0.7152% | 4,399 |
| Return on Equity (ROE) | 4.3457% | 4,648 |
| Retained earnings to average equity (ytd only) | 2.2035% | 4,264 |
| Net charge-offs to loans | -0.0423% | 5,108 |
| Credit loss provision to net charge-offs | 100.0000% | 1,560 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8167% | 1,655 |
| Assets per employee ($millions) | 6.6232% | 1,120 |
| Cash dividends to net income (ytd only)* | 49.2958% | 1,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9376% | 747 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.4667% | 3,345 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 33.5529% | 5,483 |
| Net loans and leases to deposits | 38.3325% | 5,516 |
| Net loans and leases to core deposits | 38.6079% | 5,557 |
| Total domestic deposits to total assets | 87.5314% | 1,971 |
| Equity capital to assets | 12.0481% | 1,802 |
| Core capital (leverage) ratio | 11.9373% | 1,672 |
| Tier 1 risk-based capital ratio | 21.5393% | 1,151 |
| Total risk-based capital ratio | 22.7925% | 1,128 |
| Memoranda: | ||
| Average total assets | $216,999,000 | 2,818 |
| Average earning assets | $198,141,000 | 2,847 |
| Average equity | $26,140,500 | 2,628 |
| Average total loans | $75,689,000 | 3,913 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3981% | 4,985 |
| Cost of funding earning assets | 0.1568% | 5,375 |
| Net interest margin | 3.2413% | 4,325 |
| Noninterest income to average assets | 0.4477% | 3,562 |
| Noninterest expense to average assets | 2.7328% | 3,245 |
| Loan and lease loss provision to assets | -0.2667% | 5,824 |
| Net operating income to assets | 0.6513% | 3,991 |
| Return on assets (ROA) | 0.6607% | 4,065 |
| Pretax return on assets | 0.9274% | 3,745 |
| Return on Equity (ROE) | 5.2284% | 4,314 |
| Retained earnings to average equity (ytd only) | 4.3334% | 2,820 |
| Net charge-offs to loans | -1.0313% | 5,860 |
| Credit loss provision to net charge-offs | 77.9614% | 3,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8448% | 1,321 |
| Assets per employee ($millions) | 6.3363% | 1,240 |
| Cash dividends to net income (ytd only)* | 17.1184% | 3,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8918% | 817 |
| Loan loss allowance to noncurrent loans | 2,786.5385% | 259 |
| Noncurrent assets plus other real estate owned to assets | 0.4976% | 3,267 |
| Noncurrent loans to loans | 0.0679% | 4,969 |
| Net loans and leases to total assets | 34.8809% | 5,523 |
| Net loans and leases to deposits | 39.9387% | 5,556 |
| Net loans and leases to core deposits | 40.2305% | 5,591 |
| Total domestic deposits to total assets | 87.3362% | 1,966 |
| Equity capital to assets | 12.0446% | 1,768 |
| Core capital (leverage) ratio | 11.5217% | 1,912 |
| Tier 1 risk-based capital ratio | 21.0458% | 1,198 |
| Total risk-based capital ratio | 22.2969% | 1,182 |
| Memoranda: | ||
| Average total assets | $212,200,600 | 2,838 |
| Average earning assets | $191,989,000 | 2,875 |
| Average equity | $26,815,200 | 2,584 |
| Average total loans | $70,397,800 | 4,038 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4544% | 4,916 |
| Cost of funding earning assets | 0.1586% | 5,423 |
| Net interest margin | 3.2958% | 4,199 |
| Noninterest income to average assets | 0.3885% | 4,000 |
| Noninterest expense to average assets | 2.7600% | 3,147 |
| Loan and lease loss provision to assets | -0.3507% | 5,922 |
| Net operating income to assets | 0.6768% | 3,979 |
| Return on assets (ROA) | 0.6768% | 4,101 |
| Pretax return on assets | 0.9543% | 3,798 |
| Return on Equity (ROE) | 5.2924% | 4,390 |
| Retained earnings to average equity (ytd only) | 4.1086% | 3,383 |
| Net charge-offs to loans | -1.3866% | 5,926 |
| Credit loss provision to net charge-offs | 77.6536% | 2,695 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0551% | 1,181 |
| Assets per employee ($millions) | 6.4475% | 1,141 |
| Cash dividends to net income (ytd only)* | 22.3671% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9760% | 753 |
| Loan loss allowance to noncurrent loans | 2,786.5385% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.5164% | 3,392 |
| Noncurrent loans to loans | 0.0709% | 5,064 |
| Net loans and leases to total assets | 32.7900% | 5,661 |
| Net loans and leases to deposits | 37.8176% | 5,682 |
| Net loans and leases to core deposits | 38.1595% | 5,720 |
| Total domestic deposits to total assets | 86.7058% | 2,029 |
| Equity capital to assets | 12.7285% | 1,634 |
| Core capital (leverage) ratio | 11.6375% | 1,929 |
| Tier 1 risk-based capital ratio | 21.5696% | 1,184 |
| Total risk-based capital ratio | 22.8306% | 1,166 |
| Memoranda: | ||
| Average total assets | $211,392,500 | 2,852 |
| Average earning assets | $190,824,250 | 2,898 |
| Average equity | $27,032,000 | 2,585 |
| Average total loans | $68,848,750 | 4,098 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5668% | 4,691 |
| Cost of funding earning assets | 0.1573% | 5,497 |
| Net interest margin | 3.4094% | 3,853 |
| Noninterest income to average assets | 0.4023% | 3,857 |
| Noninterest expense to average assets | 2.9092% | 2,646 |
| Loan and lease loss provision to assets | -0.3707% | 5,997 |
| Net operating income to assets | 0.6811% | 3,891 |
| Return on assets (ROA) | 0.6811% | 4,035 |
| Pretax return on assets | 0.9570% | 3,757 |
| Return on Equity (ROE) | 5.3175% | 4,372 |
| Retained earnings to average equity (ytd only) | 4.5696% | 3,005 |
| Net charge-offs to loans | -2.1023% | 6,009 |
| Credit loss provision to net charge-offs | 54.6610% | 2,633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2283% | 1,122 |
| Assets per employee ($millions) | 5.6459% | 1,664 |
| Cash dividends to net income (ytd only)* | 14.0647% | 3,376 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3135% | 456 |
| Loan loss allowance to noncurrent loans | 156.3107% | 2,777 |
| Noncurrent assets plus other real estate owned to assets | 1.0101% | 2,124 |
| Noncurrent loans to loans | 1.4800% | 1,485 |
| Net loans and leases to total assets | 32.5436% | 5,731 |
| Net loans and leases to deposits | 37.7258% | 5,750 |
| Net loans and leases to core deposits | 38.1391% | 5,784 |
| Total domestic deposits to total assets | 86.2636% | 2,289 |
| Equity capital to assets | 13.1614% | 1,412 |
| Core capital (leverage) ratio | 11.9941% | 1,629 |
| Tier 1 risk-based capital ratio | 22.0840% | 1,127 |
| Total risk-based capital ratio | 23.3482% | 1,110 |
| Memoranda: | ||
| Average total assets | $208,784,670 | 2,900 |
| Average earning assets | $189,416,000 | 2,936 |
| Average equity | $26,741,670 | 2,613 |
| Average total loans | $67,355,000 | 4,162 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8940% | 3,609 |
| Cost of funding earning assets | 0.1559% | 5,568 |
| Net interest margin | 3.7381% | 2,528 |
| Noninterest income to average assets | 0.4159% | 3,713 |
| Noninterest expense to average assets | 2.7308% | 3,309 |
| Loan and lease loss provision to assets | -0.0345% | 5,930 |
| Net operating income to assets | 0.7761% | 3,370 |
| Return on assets (ROA) | 0.7761% | 3,470 |
| Pretax return on assets | 1.1192% | 3,020 |
| Return on Equity (ROE) | 6.1444% | 3,907 |
| Retained earnings to average equity (ytd only) | 4.6273% | 3,163 |
| Net charge-offs to loans | 0.4952% | 445 |
| Credit loss provision to net charge-offs | -21.9512% | 4,099 |
| Earnings coverage of net charge-offs (x) | 6.9024% | 2,198 |
| Efficiency ratio | 71.5721% | 2,860 |
| Assets per employee ($millions) | 5.7135% | 1,655 |
| Cash dividends to net income (ytd only)* | 24.6914% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8225% | 1,112 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6223% | 3,197 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 31.1405% | 5,800 |
| Net loans and leases to deposits | 36.0227% | 5,828 |
| Net loans and leases to core deposits | 36.3705% | 5,852 |
| Total domestic deposits to total assets | 86.4469% | 2,472 |
| Equity capital to assets | 13.0543% | 1,390 |
| Core capital (leverage) ratio | 11.5213% | 1,958 |
| Tier 1 risk-based capital ratio | 22.7429% | 1,048 |
| Total risk-based capital ratio | 23.8994% | 1,039 |
| Memoranda: | ||
| Average total assets | $208,728,000 | 2,906 |
| Average earning assets | $189,830,000 | 2,932 |
| Average equity | $26,365,500 | 2,639 |
| Average total loans | $66,236,000 | 4,212 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0829% | 5,655 |
| Cost of funding earning assets | 0.1597% | 5,617 |
| Net interest margin | 2.9233% | 5,293 |
| Noninterest income to average assets | 1.0735% | 1,023 |
| Noninterest expense to average assets | 2.7173% | 3,524 |
| Loan and lease loss provision to assets | -0.0384% | 5,711 |
| Net operating income to assets | 0.7172% | 3,726 |
| Return on assets (ROA) | 0.7403% | 3,717 |
| Pretax return on assets | 1.0765% | 3,167 |
| Return on Equity (ROE) | 5.8817% | 4,084 |
| Retained earnings to average equity (ytd only) | 5.6121% | 2,010 |
| Net charge-offs to loans | 0.1616% | 1,754 |
| Credit loss provision to net charge-offs | -71.9626% | 5,096 |
| Earnings coverage of net charge-offs (x) | 18.8224% | 1,989 |
| Efficiency ratio | 73.0063% | 2,746 |
| Assets per employee ($millions) | 5.7238% | 1,599 |
| Cash dividends to net income (ytd only)* | 4.5822% | 4,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 959 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.6044% | 3,265 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 31.1429% | 5,858 |
| Net loans and leases to deposits | 35.7864% | 5,897 |
| Net loans and leases to core deposits | 36.1195% | 5,920 |
| Total domestic deposits to total assets | 87.0244% | 2,118 |
| Equity capital to assets | 12.2263% | 1,791 |
| Core capital (leverage) ratio | 11.5000% | 1,959 |
| Tier 1 risk-based capital ratio | 21.8344% | 1,174 |
| Total risk-based capital ratio | 23.0416% | 1,155 |
| Memoranda: | ||
| Average total assets | $200,458,600 | 2,950 |
| Average earning assets | $181,612,000 | 2,984 |
| Average equity | $25,231,000 | 2,669 |
| Average total loans | $66,210,800 | 4,192 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0702% | 5,742 |
| Cost of funding earning assets | 0.1603% | 5,705 |
| Net interest margin | 2.9099% | 5,393 |
| Noninterest income to average assets | 0.4824% | 3,490 |
| Noninterest expense to average assets | 2.7398% | 3,426 |
| Loan and lease loss provision to assets | -0.0432% | 5,900 |
| Net operating income to assets | 0.3476% | 5,321 |
| Return on assets (ROA) | 0.3812% | 5,309 |
| Pretax return on assets | 0.4601% | 5,329 |
| Return on Equity (ROE) | 3.0054% | 5,387 |
| Retained earnings to average equity (ytd only) | 2.6437% | 4,527 |
| Net charge-offs to loans | 0.1233% | 1,891 |
| Credit loss provision to net charge-offs | -104.9180% | 5,063 |
| Earnings coverage of net charge-offs (x) | 9.1477% | 2,730 |
| Efficiency ratio | 87.9195% | 843 |
| Assets per employee ($millions) | 5.7520% | 1,546 |
| Cash dividends to net income (ytd only)* | 12.0349% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9240% | 1,022 |
| Loan loss allowance to noncurrent loans | 154.2725% | 2,748 |
| Noncurrent assets plus other real estate owned to assets | 1.6551% | 1,323 |
| Noncurrent loans to loans | 1.2472% | 2,041 |
| Net loans and leases to total assets | 33.8272% | 5,865 |
| Net loans and leases to deposits | 38.9349% | 5,902 |
| Net loans and leases to core deposits | 39.3850% | 5,935 |
| Total domestic deposits to total assets | 86.8816% | 2,103 |
| Equity capital to assets | 12.6207% | 1,676 |
| Core capital (leverage) ratio | 11.7366% | 1,866 |
| Tier 1 risk-based capital ratio | 20.9378% | 1,354 |
| Total risk-based capital ratio | 22.1963% | 1,326 |
| Memoranda: | ||
| Average total assets | $197,627,750 | 2,999 |
| Average earning assets | $178,876,500 | 3,035 |
| Average equity | $25,065,500 | 2,710 |
| Average total loans | $65,955,750 | 4,242 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0265% | 5,833 |
| Cost of funding earning assets | 0.1587% | 5,786 |
| Net interest margin | 2.8678% | 5,500 |
| Noninterest income to average assets | 0.4908% | 3,441 |
| Noninterest expense to average assets | 2.7852% | 3,292 |
| Loan and lease loss provision to assets | -0.0519% | 6,031 |
| Net operating income to assets | 0.3090% | 5,416 |
| Return on assets (ROA) | 0.3422% | 5,426 |
| Pretax return on assets | 0.3900% | 5,485 |
| Return on Equity (ROE) | 2.6932% | 5,505 |
| Retained earnings to average equity (ytd only) | 2.6932% | 4,345 |
| Net charge-offs to loans | 0.2253% | 1,136 |
| Credit loss provision to net charge-offs | -69.8630% | 4,850 |
| Earnings coverage of net charge-offs (x) | 4.0411% | 3,096 |
| Efficiency ratio | 90.2640% | 729 |
| Assets per employee ($millions) | 5.1539% | 2,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0334% | 933 |
| Loan loss allowance to noncurrent loans | 106.5391% | 3,562 |
| Noncurrent assets plus other real estate owned to assets | 1.8994% | 1,189 |
| Noncurrent loans to loans | 1.9086% | 1,305 |
| Net loans and leases to total assets | 32.8658% | 5,934 |
| Net loans and leases to deposits | 38.7156% | 5,948 |
| Net loans and leases to core deposits | 39.2475% | 5,981 |
| Total domestic deposits to total assets | 84.8903% | 3,169 |
| Equity capital to assets | 12.6113% | 1,597 |
| Core capital (leverage) ratio | 11.7725% | 1,793 |
| Tier 1 risk-based capital ratio | 21.7940% | 1,235 |
| Total risk-based capital ratio | 23.0568% | 1,218 |
| Memoranda: | ||
| Average total assets | $196,397,000 | 3,031 |
| Average earning assets | $177,696,000 | 3,070 |
| Average equity | $24,951,330 | 2,728 |
| Average total loans | $64,795,330 | 4,318 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9229% | 5,974 |
| Cost of funding earning assets | 0.1543% | 5,896 |
| Net interest margin | 2.7686% | 5,706 |
| Noninterest income to average assets | 0.4434% | 3,677 |
| Noninterest expense to average assets | 2.6806% | 3,655 |
| Loan and lease loss provision to assets | -0.0692% | 6,183 |
| Net operating income to assets | 0.3234% | 5,330 |
| Return on assets (ROA) | 0.3234% | 5,439 |
| Pretax return on assets | 0.3498% | 5,541 |
| Return on Equity (ROE) | 2.5361% | 5,530 |
| Retained earnings to average equity (ytd only) | 2.5361% | 4,419 |
| Net charge-offs to loans | -0.0808% | 5,751 |
| Credit loss provision to net charge-offs | 261.5385% | 898 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5220% | 816 |
| Assets per employee ($millions) | 5.8289% | 1,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2090% | 797 |
| Loan loss allowance to noncurrent loans | 65.5581% | 4,569 |
| Noncurrent assets plus other real estate owned to assets | 1.7534% | 1,408 |
| Noncurrent loans to loans | 3.3695% | 592 |
| Net loans and leases to total assets | 32.1444% | 5,994 |
| Net loans and leases to deposits | 38.0735% | 5,985 |
| Net loans and leases to core deposits | 38.5927% | 6,022 |
| Total domestic deposits to total assets | 84.4271% | 3,645 |
| Equity capital to assets | 12.8320% | 1,495 |
| Core capital (leverage) ratio | 11.6975% | 1,853 |
| Tier 1 risk-based capital ratio | 21.8422% | 1,267 |
| Total risk-based capital ratio | 23.0949% | 1,243 |
| Memoranda: | ||
| Average total assets | $196,671,500 | 3,043 |
| Average earning assets | $178,864,000 | 3,078 |
| Average equity | $25,077,500 | 2,742 |
| Average total loans | $64,341,500 | 4,355 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1496% | 5,900 |
| Cost of funding earning assets | 0.1590% | 6,048 |
| Net interest margin | 2.9907% | 5,467 |
| Noninterest income to average assets | 0.4241% | 4,014 |
| Noninterest expense to average assets | 2.6018% | 4,211 |
| Loan and lease loss provision to assets | -0.1460% | 6,225 |
| Net operating income to assets | 0.5410% | 4,634 |
| Return on assets (ROA) | 0.5435% | 4,711 |
| Pretax return on assets | 0.6974% | 4,639 |
| Return on Equity (ROE) | 4.3445% | 4,959 |
| Retained earnings to average equity (ytd only) | 4.3445% | 3,093 |
| Net charge-offs to loans | -0.1240% | 6,169 |
| Credit loss provision to net charge-offs | 371.6216% | 704 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5948% | 1,585 |
| Assets per employee ($millions) | 5.7400% | 1,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2978% | 723 |
| Loan loss allowance to noncurrent loans | 76.6002% | 4,314 |
| Noncurrent assets plus other real estate owned to assets | 1.6325% | 1,655 |
| Noncurrent loans to loans | 2.9997% | 747 |
| Net loans and leases to total assets | 31.8094% | 6,119 |
| Net loans and leases to deposits | 36.7116% | 6,147 |
| Net loans and leases to core deposits | 37.2069% | 6,176 |
| Total domestic deposits to total assets | 86.6468% | 2,487 |
| Equity capital to assets | 12.6686% | 1,556 |
| Core capital (leverage) ratio | 11.3373% | 2,099 |
| Tier 1 risk-based capital ratio | 21.2458% | 1,352 |
| Total risk-based capital ratio | 22.4950% | 1,327 |
| Memoranda: | ||
| Average total assets | $188,405,800 | 3,118 |
| Average earning assets | $171,734,800 | 3,134 |
| Average equity | $23,570,200 | 2,788 |
| Average total loans | $59,698,000 | 4,497 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1913% | 5,909 |
| Cost of funding earning assets | 0.1604% | 6,119 |
| Net interest margin | 3.0309% | 5,436 |
| Noninterest income to average assets | 0.4270% | 4,045 |
| Noninterest expense to average assets | 2.6199% | 4,127 |
| Loan and lease loss provision to assets | -0.1842% | 6,375 |
| Net operating income to assets | 0.5709% | 4,591 |
| Return on assets (ROA) | 0.5741% | 4,648 |
| Pretax return on assets | 0.7619% | 4,501 |
| Return on Equity (ROE) | 4.6043% | 4,906 |
| Retained earnings to average equity (ytd only) | 4.6043% | 3,360 |
| Net charge-offs to loans | -0.2429% | 6,346 |
| Credit loss provision to net charge-offs | 241.1215% | 1,091 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0438% | 1,619 |
| Assets per employee ($millions) | 5.9093% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4014% | 737 |
| Loan loss allowance to noncurrent loans | 43.8953% | 5,327 |
| Noncurrent assets plus other real estate owned to assets | 1.8192% | 1,625 |
| Noncurrent loans to loans | 5.4707% | 294 |
| Net loans and leases to total assets | 32.4544% | 6,164 |
| Net loans and leases to deposits | 37.4854% | 6,203 |
| Net loans and leases to core deposits | 37.9373% | 6,236 |
| Total domestic deposits to total assets | 86.5788% | 2,540 |
| Equity capital to assets | 12.7977% | 1,523 |
| Core capital (leverage) ratio | 11.5505% | 2,023 |
| Tier 1 risk-based capital ratio | 22.1773% | 1,240 |
| Total risk-based capital ratio | 23.4282% | 1,221 |
| Memoranda: | ||
| Average total assets | $186,717,500 | 3,170 |
| Average earning assets | $170,417,750 | 3,180 |
| Average equity | $23,281,750 | 2,830 |
| Average total loans | $58,737,750 | 4,563 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2827% | 5,826 |
| Cost of funding earning assets | 0.1607% | 6,195 |
| Net interest margin | 3.1221% | 5,183 |
| Noninterest income to average assets | 0.4217% | 4,079 |
| Noninterest expense to average assets | 2.6140% | 4,189 |
| Loan and lease loss provision to assets | -0.0914% | 6,362 |
| Net operating income to assets | 0.5695% | 4,501 |
| Return on assets (ROA) | 0.5744% | 4,590 |
| Pretax return on assets | 0.7487% | 4,464 |
| Return on Equity (ROE) | 4.6484% | 4,842 |
| Retained earnings to average equity (ytd only) | 4.6484% | 3,190 |
| Net charge-offs to loans | 0.2301% | 1,657 |
| Credit loss provision to net charge-offs | -128.7879% | 5,306 |
| Earnings coverage of net charge-offs (x) | 9.1667% | 2,394 |
| Efficiency ratio | 80.0659% | 2,018 |
| Assets per employee ($millions) | 5.7038% | 1,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5023% | 707 |
| Loan loss allowance to noncurrent loans | 71.3274% | 4,455 |
| Noncurrent assets plus other real estate owned to assets | 1.1247% | 2,835 |
| Noncurrent loans to loans | 3.5082% | 754 |
| Net loans and leases to total assets | 31.2569% | 6,268 |
| Net loans and leases to deposits | 37.1614% | 6,258 |
| Net loans and leases to core deposits | 37.9278% | 6,277 |
| Total domestic deposits to total assets | 84.1112% | 3,890 |
| Equity capital to assets | 12.6565% | 1,564 |
| Core capital (leverage) ratio | 11.6276% | 1,903 |
| Tier 1 risk-based capital ratio | 22.4071% | 1,202 |
| Total risk-based capital ratio | 23.6586% | 1,177 |
| Memoranda: | ||
| Average total assets | $185,924,670 | 3,197 |
| Average earning assets | $169,311,670 | 3,210 |
| Average equity | $22,975,670 | 2,848 |
| Average total loans | $57,357,000 | 4,643 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5757% | 5,235 |
| Cost of funding earning assets | 0.1592% | 6,300 |
| Net interest margin | 3.4165% | 4,046 |
| Noninterest income to average assets | 0.3853% | 4,307 |
| Noninterest expense to average assets | 2.6432% | 4,136 |
| Loan and lease loss provision to assets | -0.0325% | 6,437 |
| Net operating income to assets | 0.6572% | 3,907 |
| Return on assets (ROA) | 0.6668% | 3,946 |
| Pretax return on assets | 0.9006% | 3,694 |
| Return on Equity (ROE) | 5.4629% | 4,298 |
| Retained earnings to average equity (ytd only) | 5.4629% | 2,809 |
| Net charge-offs to loans | 0.9738% | 348 |
| Credit loss provision to net charge-offs | -11.0294% | 4,675 |
| Earnings coverage of net charge-offs (x) | 2.9044% | 2,771 |
| Efficiency ratio | 75.5569% | 2,866 |
| Assets per employee ($millions) | 5.3748% | 1,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8501% | 510 |
| Loan loss allowance to noncurrent loans | 68.9183% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 1.1989% | 2,858 |
| Noncurrent loans to loans | 4.1354% | 632 |
| Net loans and leases to total assets | 28.1656% | 6,408 |
| Net loans and leases to deposits | 32.4445% | 6,422 |
| Net loans and leases to core deposits | 33.0061% | 6,434 |
| Total domestic deposits to total assets | 86.8116% | 2,931 |
| Equity capital to assets | 12.6051% | 1,522 |
| Core capital (leverage) ratio | 11.3830% | 2,065 |
| Tier 1 risk-based capital ratio | 23.8628% | 1,021 |
| Total risk-based capital ratio | 25.1151% | 1,004 |
| Memoranda: | ||
| Average total assets | $184,773,500 | 3,234 |
| Average earning assets | $168,360,500 | 3,233 |
| Average equity | $22,552,000 | 2,887 |
| Average total loans | $55,863,500 | 4,730 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8860% | 6,434 |
| Cost of funding earning assets | 0.1780% | 6,403 |
| Net interest margin | 2.7080% | 6,127 |
| Noninterest income to average assets | 0.5088% | 3,699 |
| Noninterest expense to average assets | 2.9502% | 3,201 |
| Loan and lease loss provision to assets | -0.1512% | 6,548 |
| Net operating income to assets | 0.2533% | 5,682 |
| Return on assets (ROA) | 0.2533% | 5,753 |
| Pretax return on assets | 0.1845% | 5,972 |
| Return on Equity (ROE) | 2.0586% | 5,823 |
| Retained earnings to average equity (ytd only) | 2.0586% | 4,776 |
| Net charge-offs to loans | -0.4464% | 6,715 |
| Credit loss provision to net charge-offs | 106.1303% | 2,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.8838% | 517 |
| Assets per employee ($millions) | 5.1890% | 1,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8274% | 574 |
| Loan loss allowance to noncurrent loans | 33.8980% | 5,821 |
| Noncurrent assets plus other real estate owned to assets | 2.6231% | 1,288 |
| Noncurrent loans to loans | 8.3410% | 177 |
| Net loans and leases to total assets | 30.5589% | 6,439 |
| Net loans and leases to deposits | 34.8655% | 6,465 |
| Net loans and leases to core deposits | 35.1109% | 6,496 |
| Total domestic deposits to total assets | 87.6479% | 2,395 |
| Equity capital to assets | 11.8141% | 1,939 |
| Core capital (leverage) ratio | 11.3954% | 2,038 |
| Tier 1 risk-based capital ratio | 22.5824% | 1,167 |
| Total risk-based capital ratio | 23.8383% | 1,140 |
| Memoranda: | ||
| Average total assets | $183,172,000 | 3,239 |
| Average earning assets | $167,392,400 | 3,251 |
| Average equity | $22,539,600 | 2,873 |
| Average total loans | $58,470,000 | 4,666 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9148% | 6,483 |
| Cost of funding earning assets | 0.1840% | 6,481 |
| Net interest margin | 2.7308% | 6,117 |
| Noninterest income to average assets | 0.5443% | 3,498 |
| Noninterest expense to average assets | 3.0387% | 2,860 |
| Loan and lease loss provision to assets | -0.1668% | 6,694 |
| Net operating income to assets | 0.2238% | 5,859 |
| Return on assets (ROA) | 0.2238% | 5,938 |
| Pretax return on assets | 0.1697% | 6,094 |
| Return on Equity (ROE) | 1.8007% | 6,001 |
| Retained earnings to average equity (ytd only) | 1.8007% | 5,239 |
| Net charge-offs to loans | -0.5045% | 6,777 |
| Credit loss provision to net charge-offs | 103.1674% | 2,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.9038% | 469 |
| Assets per employee ($millions) | 5.1092% | 2,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8562% | 642 |
| Loan loss allowance to noncurrent loans | 31.7370% | 5,921 |
| Noncurrent assets plus other real estate owned to assets | 2.9426% | 1,261 |
| Noncurrent loans to loans | 8.9995% | 175 |
| Net loans and leases to total assets | 31.7636% | 6,463 |
| Net loans and leases to deposits | 36.4507% | 6,492 |
| Net loans and leases to core deposits | 36.7200% | 6,543 |
| Total domestic deposits to total assets | 87.1413% | 2,613 |
| Equity capital to assets | 12.3436% | 1,679 |
| Core capital (leverage) ratio | 11.7505% | 1,851 |
| Tier 1 risk-based capital ratio | 22.9281% | 1,160 |
| Total risk-based capital ratio | 24.1863% | 1,139 |
| Memoranda: | ||
| Average total assets | $182,264,250 | 3,279 |
| Average earning assets | $166,684,250 | 3,292 |
| Average equity | $22,657,250 | 2,886 |
| Average total loans | $58,401,000 | 4,706 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6356% | 6,689 |
| Cost of funding earning assets | 0.1892% | 6,529 |
| Net interest margin | 2.4464% | 6,503 |
| Noninterest income to average assets | 0.6128% | 3,115 |
| Noninterest expense to average assets | 2.9202% | 3,271 |
| Loan and lease loss provision to assets | -0.0360% | 6,624 |
| Net operating income to assets | 0.1047% | 6,122 |
| Return on assets (ROA) | 0.1047% | 6,214 |
| Pretax return on assets | -0.0294% | 6,380 |
| Return on Equity (ROE) | 0.8402% | 6,244 |
| Retained earnings to average equity (ytd only) | 0.8402% | 5,562 |
| Net charge-offs to loans | -0.2261% | 6,696 |
| Credit loss provision to net charge-offs | 50.0000% | 3,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.2918% | 418 |
| Assets per employee ($millions) | 4.8274% | 2,331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9045% | 638 |
| Loan loss allowance to noncurrent loans | 24.7611% | 6,193 |
| Noncurrent assets plus other real estate owned to assets | 3.8664% | 924 |
| Noncurrent loans to loans | 11.7299% | 93 |
| Net loans and leases to total assets | 32.0046% | 6,506 |
| Net loans and leases to deposits | 36.6659% | 6,534 |
| Net loans and leases to core deposits | 37.0247% | 6,570 |
| Total domestic deposits to total assets | 87.2872% | 2,666 |
| Equity capital to assets | 12.2722% | 1,727 |
| Core capital (leverage) ratio | 11.2485% | 2,135 |
| Tier 1 risk-based capital ratio | 22.2280% | 1,248 |
| Total risk-based capital ratio | 23.4855% | 1,228 |
| Memoranda: | ||
| Average total assets | $183,412,000 | 3,284 |
| Average earning assets | $168,084,670 | 3,282 |
| Average equity | $22,852,000 | 2,882 |
| Average total loans | $58,378,000 | 4,729 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6956% | 6,734 |
| Cost of funding earning assets | 0.1875% | 6,636 |
| Net interest margin | 2.5081% | 6,502 |
| Noninterest income to average assets | 0.4994% | 3,772 |
| Noninterest expense to average assets | 2.6888% | 4,111 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1830% | 5,940 |
| Return on assets (ROA) | 0.1830% | 6,052 |
| Pretax return on assets | 0.1141% | 6,232 |
| Return on Equity (ROE) | 1.4581% | 6,102 |
| Retained earnings to average equity (ytd only) | 1.4581% | 5,258 |
| Net charge-offs to loans | -0.2271% | 6,708 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9293% | 735 |
| Assets per employee ($millions) | 4.8362% | 2,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9702% | 678 |
| Loan loss allowance to noncurrent loans | 24.1726% | 6,224 |
| Noncurrent assets plus other real estate owned to assets | 3.9853% | 1,000 |
| Noncurrent loans to loans | 12.2875% | 129 |
| Net loans and leases to total assets | 30.3787% | 6,591 |
| Net loans and leases to deposits | 34.9543% | 6,602 |
| Net loans and leases to core deposits | 35.2884% | 6,642 |
| Total domestic deposits to total assets | 86.9097% | 3,011 |
| Equity capital to assets | 12.6436% | 1,623 |
| Core capital (leverage) ratio | 10.9921% | 2,273 |
| Tier 1 risk-based capital ratio | 22.5090% | 1,237 |
| Total risk-based capital ratio | 23.7669% | 1,221 |
| Memoranda: | ||
| Average total assets | $185,810,500 | 3,287 |
| Average earning assets | $170,645,500 | 3,274 |
| Average equity | $23,318,000 | 2,878 |
| Average total loans | $58,129,500 | 4,771 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6265% | 6,173 |
| Cost of funding earning assets | 0.2509% | 6,666 |
| Net interest margin | 3.3756% | 4,976 |
| Noninterest income to average assets | 0.4464% | 4,271 |
| Noninterest expense to average assets | 3.0989% | 2,923 |
| Loan and lease loss provision to assets | 0.0972% | 4,432 |
| Net operating income to assets | 0.2532% | 5,623 |
| Return on assets (ROA) | 0.2921% | 5,703 |
| Pretax return on assets | 0.3781% | 5,631 |
| Return on Equity (ROE) | 2.2706% | 5,830 |
| Retained earnings to average equity (ytd only) | 2.2706% | 4,642 |
| Net charge-offs to loans | 0.1946% | 3,818 |
| Credit loss provision to net charge-offs | 135.6589% | 2,049 |
| Earnings coverage of net charge-offs (x) | 5.9302% | 2,912 |
| Efficiency ratio | 87.9452% | 1,248 |
| Assets per employee ($millions) | 5.0769% | 2,131 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8559% | 778 |
| Loan loss allowance to noncurrent loans | 23.1790% | 6,315 |
| Noncurrent assets plus other real estate owned to assets | 4.0709% | 1,043 |
| Noncurrent loans to loans | 12.3210% | 144 |
| Net loans and leases to total assets | 30.3678% | 6,690 |
| Net loans and leases to deposits | 34.8646% | 6,712 |
| Net loans and leases to core deposits | 35.1354% | 6,742 |
| Total domestic deposits to total assets | 87.1021% | 2,777 |
| Equity capital to assets | 12.4571% | 1,742 |
| Core capital (leverage) ratio | 10.9048% | 2,339 |
| Tier 1 risk-based capital ratio | 22.3813% | 1,198 |
| Total risk-based capital ratio | 23.6421% | 1,171 |
| Memoranda: | ||
| Average total assets | $180,094,200 | 3,314 |
| Average earning assets | $164,180,600 | 3,317 |
| Average equity | $23,165,400 | 2,832 |
| Average total loans | $66,284,800 | 4,489 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8581% | 5,894 |
| Cost of funding earning assets | 0.2648% | 6,752 |
| Net interest margin | 3.5933% | 4,262 |
| Noninterest income to average assets | 0.4977% | 3,945 |
| Noninterest expense to average assets | 3.1836% | 2,619 |
| Loan and lease loss provision to assets | 0.1310% | 3,914 |
| Net operating income to assets | 0.3413% | 5,467 |
| Return on assets (ROA) | 0.3413% | 5,669 |
| Pretax return on assets | 0.4535% | 5,588 |
| Return on Equity (ROE) | 2.6312% | 5,830 |
| Retained earnings to average equity (ytd only) | 2.6312% | 4,986 |
| Net charge-offs to loans | 0.3735% | 2,602 |
| Credit loss provision to net charge-offs | 91.6230% | 3,242 |
| Earnings coverage of net charge-offs (x) | 4.0890% | 3,406 |
| Efficiency ratio | 84.4886% | 1,534 |
| Assets per employee ($millions) | 4.8357% | 2,395 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5871% | 1,097 |
| Loan loss allowance to noncurrent loans | 32.6985% | 6,005 |
| Noncurrent assets plus other real estate owned to assets | 3.0219% | 1,729 |
| Noncurrent loans to loans | 7.9120% | 404 |
| Net loans and leases to total assets | 33.0721% | 6,701 |
| Net loans and leases to deposits | 38.2123% | 6,747 |
| Net loans and leases to core deposits | 38.5177% | 6,791 |
| Total domestic deposits to total assets | 86.5485% | 2,953 |
| Equity capital to assets | 12.8774% | 1,656 |
| Core capital (leverage) ratio | 11.6869% | 1,852 |
| Tier 1 risk-based capital ratio | 21.9310% | 1,342 |
| Total risk-based capital ratio | 23.1873% | 1,315 |
| Memoranda: | ||
| Average total assets | $178,156,750 | 3,379 |
| Average earning assets | $162,150,250 | 3,387 |
| Average equity | $23,106,750 | 2,865 |
| Average total loans | $68,175,750 | 4,463 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1285% | 5,204 |
| Cost of funding earning assets | 0.2699% | 6,837 |
| Net interest margin | 3.8586% | 3,097 |
| Noninterest income to average assets | 0.5355% | 3,680 |
| Noninterest expense to average assets | 3.2628% | 2,406 |
| Loan and lease loss provision to assets | 0.1985% | 3,096 |
| Net operating income to assets | 0.4096% | 5,181 |
| Return on assets (ROA) | 0.4096% | 5,417 |
| Pretax return on assets | 0.5775% | 5,218 |
| Return on Equity (ROE) | 3.1499% | 5,628 |
| Retained earnings to average equity (ytd only) | 3.1499% | 4,526 |
| Net charge-offs to loans | 0.9500% | 1,164 |
| Credit loss provision to net charge-offs | 52.5526% | 3,983 |
| Earnings coverage of net charge-offs (x) | 2.0541% | 3,959 |
| Efficiency ratio | 80.7865% | 2,066 |
| Assets per employee ($millions) | 4.6016% | 2,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2285% | 1,709 |
| Loan loss allowance to noncurrent loans | 27.3792% | 6,265 |
| Noncurrent assets plus other real estate owned to assets | 3.4593% | 1,545 |
| Noncurrent loans to loans | 8.1393% | 416 |
| Net loans and leases to total assets | 36.9585% | 6,549 |
| Net loans and leases to deposits | 42.9611% | 6,602 |
| Net loans and leases to core deposits | 43.3973% | 6,684 |
| Total domestic deposits to total assets | 86.0278% | 3,345 |
| Equity capital to assets | 13.3695% | 1,356 |
| Core capital (leverage) ratio | 11.8305% | 1,703 |
| Tier 1 risk-based capital ratio | 21.5010% | 1,386 |
| Total risk-based capital ratio | 22.7556% | 1,358 |
| Memoranda: | ||
| Average total assets | $176,290,330 | 3,419 |
| Average earning assets | $160,060,000 | 3,427 |
| Average equity | $22,921,330 | 2,861 |
| Average total loans | $70,105,670 | 4,414 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7872% | 6,272 |
| Cost of funding earning assets | 0.2768% | 6,916 |
| Net interest margin | 3.5105% | 4,639 |
| Noninterest income to average assets | 0.4316% | 4,441 |
| Noninterest expense to average assets | 3.1660% | 2,711 |
| Loan and lease loss provision to assets | 0.2260% | 2,688 |
| Net operating income to assets | 0.1989% | 5,990 |
| Return on assets (ROA) | 0.1989% | 6,135 |
| Pretax return on assets | 0.2215% | 6,152 |
| Return on Equity (ROE) | 1.5511% | 6,208 |
| Retained earnings to average equity (ytd only) | 1.5511% | 5,464 |
| Net charge-offs to loans | 1.1594% | 888 |
| Credit loss provision to net charge-offs | 47.8469% | 3,317 |
| Earnings coverage of net charge-offs (x) | 0.9474% | 3,854 |
| Efficiency ratio | 87.6173% | 1,323 |
| Assets per employee ($millions) | 4.5812% | 2,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2328% | 1,822 |
| Loan loss allowance to noncurrent loans | 18.8998% | 6,599 |
| Noncurrent assets plus other real estate owned to assets | 5.2911% | 961 |
| Noncurrent loans to loans | 11.8140% | 213 |
| Net loans and leases to total assets | 38.2819% | 6,476 |
| Net loans and leases to deposits | 44.3026% | 6,540 |
| Net loans and leases to core deposits | 44.7524% | 6,629 |
| Total domestic deposits to total assets | 86.4101% | 3,297 |
| Equity capital to assets | 13.0683% | 1,412 |
| Core capital (leverage) ratio | 11.2131% | 2,102 |
| Tier 1 risk-based capital ratio | 20.4876% | 1,592 |
| Total risk-based capital ratio | 21.7423% | 1,569 |
| Memoranda: | ||
| Average total assets | $177,005,000 | 3,422 |
| Average earning assets | $160,433,500 | 3,428 |
| Average equity | $22,693,000 | 2,882 |
| Average total loans | $72,109,000 | 4,379 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1228% | 6,238 |
| Cost of funding earning assets | 0.3102% | 7,092 |
| Net interest margin | 3.8125% | 3,758 |
| Noninterest income to average assets | 0.4524% | 4,196 |
| Noninterest expense to average assets | 3.2128% | 2,820 |
| Loan and lease loss provision to assets | 0.1573% | 4,668 |
| Net operating income to assets | 0.4107% | 4,814 |
| Return on assets (ROA) | 0.4004% | 5,035 |
| Pretax return on assets | 0.5342% | 4,890 |
| Return on Equity (ROE) | 3.2087% | 5,193 |
| Retained earnings to average equity (ytd only) | 3.2087% | 3,937 |
| Net charge-offs to loans | 1.8688% | 770 |
| Credit loss provision to net charge-offs | 17.4825% | 5,947 |
| Earnings coverage of net charge-offs (x) | 0.7839% | 5,207 |
| Efficiency ratio | 82.0000% | 2,030 |
| Assets per employee ($millions) | 4.4981% | 2,915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1446% | 1,907 |
| Loan loss allowance to noncurrent loans | 18.3156% | 6,659 |
| Noncurrent assets plus other real estate owned to assets | 4.9971% | 1,073 |
| Noncurrent loans to loans | 11.7089% | 233 |
| Net loans and leases to total assets | 41.3628% | 6,439 |
| Net loans and leases to deposits | 47.6868% | 6,519 |
| Net loans and leases to core deposits | 48.2339% | 6,625 |
| Total domestic deposits to total assets | 86.7384% | 2,902 |
| Equity capital to assets | 12.5808% | 1,756 |
| Core capital (leverage) ratio | 11.3801% | 1,981 |
| Tier 1 risk-based capital ratio | 19.0127% | 1,888 |
| Total risk-based capital ratio | 20.2694% | 1,845 |
| Memoranda: | ||
| Average total assets | $174,829,800 | 3,414 |
| Average earning assets | $158,923,000 | 3,425 |
| Average equity | $21,815,600 | 2,913 |
| Average total loans | $84,170,400 | 4,019 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1126% | 6,386 |
| Cost of funding earning assets | 0.3215% | 7,181 |
| Net interest margin | 3.7910% | 3,915 |
| Noninterest income to average assets | 0.4548% | 4,261 |
| Noninterest expense to average assets | 3.3264% | 2,416 |
| Loan and lease loss provision to assets | 0.0192% | 6,199 |
| Net operating income to assets | 0.3797% | 5,081 |
| Return on assets (ROA) | 0.3718% | 5,308 |
| Pretax return on assets | 0.5485% | 4,979 |
| Return on Equity (ROE) | 2.9861% | 5,428 |
| Retained earnings to average equity (ytd only) | 2.9861% | 4,566 |
| Net charge-offs to loans | 1.5947% | 887 |
| Credit loss provision to net charge-offs | 2.4248% | 5,722 |
| Earnings coverage of net charge-offs (x) | 0.7313% | 5,065 |
| Efficiency ratio | 85.1692% | 1,618 |
| Assets per employee ($millions) | 4.6186% | 2,728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3696% | 1,586 |
| Loan loss allowance to noncurrent loans | 21.9095% | 6,624 |
| Noncurrent assets plus other real estate owned to assets | 5.0009% | 1,149 |
| Noncurrent loans to loans | 10.8155% | 303 |
| Net loans and leases to total assets | 45.1427% | 6,228 |
| Net loans and leases to deposits | 52.2250% | 6,345 |
| Net loans and leases to core deposits | 52.8415% | 6,518 |
| Total domestic deposits to total assets | 86.4388% | 2,966 |
| Equity capital to assets | 12.7863% | 1,728 |
| Core capital (leverage) ratio | 11.6293% | 1,936 |
| Tier 1 risk-based capital ratio | 18.6768% | 2,038 |
| Total risk-based capital ratio | 19.9344% | 1,990 |
| Memoranda: | ||
| Average total assets | $173,556,000 | 3,456 |
| Average earning assets | $157,982,750 | 3,464 |
| Average equity | $21,610,500 | 2,929 |
| Average total loans | $86,199,750 | 4,001 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1800% | 6,328 |
| Cost of funding earning assets | 0.3349% | 7,254 |
| Net interest margin | 3.8451% | 3,556 |
| Noninterest income to average assets | 0.4557% | 4,242 |
| Noninterest expense to average assets | 3.5025% | 1,970 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.3138% | 5,316 |
| Return on assets (ROA) | 0.3146% | 5,451 |
| Pretax return on assets | 0.4604% | 5,192 |
| Return on Equity (ROE) | 2.5500% | 5,585 |
| Retained earnings to average equity (ytd only) | 2.5500% | 4,669 |
| Net charge-offs to loans | 0.6304% | 2,256 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.4332% | 4,213 |
| Efficiency ratio | 88.4088% | 1,372 |
| Assets per employee ($millions) | 4.2450% | 3,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0980% | 820 |
| Loan loss allowance to noncurrent loans | 24.1489% | 6,567 |
| Noncurrent assets plus other real estate owned to assets | 6.6037% | 804 |
| Noncurrent loans to loans | 12.8286% | 212 |
| Net loans and leases to total assets | 48.8716% | 5,967 |
| Net loans and leases to deposits | 56.5017% | 6,092 |
| Net loans and leases to core deposits | 57.0914% | 6,342 |
| Total domestic deposits to total assets | 86.4959% | 3,043 |
| Equity capital to assets | 12.7921% | 1,628 |
| Core capital (leverage) ratio | 11.4498% | 1,946 |
| Tier 1 risk-based capital ratio | 18.8772% | 1,879 |
| Total risk-based capital ratio | 20.1418% | 1,843 |
| Memoranda: | ||
| Average total assets | $172,905,330 | 3,481 |
| Average earning assets | $157,654,670 | 3,491 |
| Average equity | $21,333,670 | 2,956 |
| Average total loans | $87,882,330 | 3,989 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1872% | 6,311 |
| Cost of funding earning assets | 0.3565% | 7,309 |
| Net interest margin | 3.8307% | 3,462 |
| Noninterest income to average assets | 0.4471% | 4,315 |
| Noninterest expense to average assets | 3.6341% | 1,692 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.2185% | 5,722 |
| Return on assets (ROA) | 0.2201% | 5,780 |
| Pretax return on assets | 0.3141% | 5,616 |
| Return on Equity (ROE) | 1.8165% | 5,858 |
| Retained earnings to average equity (ytd only) | 1.8165% | 5,025 |
| Net charge-offs to loans | 0.5483% | 2,123 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 1.1148% | 3,833 |
| Efficiency ratio | 92.0976% | 1,158 |
| Assets per employee ($millions) | 4.2224% | 3,411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2223% | 759 |
| Loan loss allowance to noncurrent loans | 18.5440% | 6,813 |
| Noncurrent assets plus other real estate owned to assets | 8.7437% | 512 |
| Noncurrent loans to loans | 17.3767% | 100 |
| Net loans and leases to total assets | 48.6971% | 5,994 |
| Net loans and leases to deposits | 55.9747% | 6,127 |
| Net loans and leases to core deposits | 56.6624% | 6,359 |
| Total domestic deposits to total assets | 86.9985% | 2,939 |
| Equity capital to assets | 12.1726% | 1,812 |
| Core capital (leverage) ratio | 11.0817% | 2,127 |
| Tier 1 risk-based capital ratio | 18.3962% | 1,987 |
| Total risk-based capital ratio | 19.6639% | 1,935 |
| Memoranda: | ||
| Average total assets | $174,458,000 | 3,474 |
| Average earning assets | $159,343,000 | 3,480 |
| Average equity | $21,140,000 | 2,967 |
| Average total loans | $89,005,000 | 3,997 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4775% | 6,450 |
| Cost of funding earning assets | 0.5324% | 7,252 |
| Net interest margin | 3.9451% | 3,281 |
| Noninterest income to average assets | 0.6329% | 3,261 |
| Noninterest expense to average assets | 3.4588% | 2,284 |
| Loan and lease loss provision to assets | 2.0930% | 614 |
| Net operating income to assets | -0.7427% | 6,547 |
| Return on assets (ROA) | -0.8196% | 6,614 |
| Pretax return on assets | -1.4369% | 6,830 |
| Return on Equity (ROE) | -6.5325% | 6,530 |
| Retained earnings to average equity (ytd only) | -6.5325% | 6,430 |
| Net charge-offs to loans | 3.0198% | 548 |
| Credit loss provision to net charge-offs | 127.0972% | 3,179 |
| Earnings coverage of net charge-offs (x) | 0.4714% | 5,640 |
| Efficiency ratio | 81.6705% | 2,205 |
| Assets per employee ($millions) | 4.0883% | 3,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2234% | 720 |
| Loan loss allowance to noncurrent loans | 19.6223% | 6,827 |
| Noncurrent assets plus other real estate owned to assets | 8.4939% | 556 |
| Noncurrent loans to loans | 16.4270% | 119 |
| Net loans and leases to total assets | 50.0401% | 6,166 |
| Net loans and leases to deposits | 57.3387% | 6,321 |
| Net loans and leases to core deposits | 58.0286% | 6,559 |
| Total domestic deposits to total assets | 87.2711% | 2,685 |
| Equity capital to assets | 12.0633% | 1,880 |
| Core capital (leverage) ratio | 11.1729% | 2,034 |
| Tier 1 risk-based capital ratio | 17.8185% | 2,056 |
| Total risk-based capital ratio | 19.0862% | 2,013 |
| Memoranda: | ||
| Average total assets | $173,008,200 | 3,485 |
| Average earning assets | $157,967,000 | 3,485 |
| Average equity | $21,707,000 | 2,913 |
| Average total loans | $94,345,200 | 3,947 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6112% | 6,304 |
| Cost of funding earning assets | 0.5772% | 7,331 |
| Net interest margin | 4.0339% | 2,942 |
| Noninterest income to average assets | 0.5378% | 3,883 |
| Noninterest expense to average assets | 3.3311% | 2,481 |
| Loan and lease loss provision to assets | 2.4614% | 435 |
| Net operating income to assets | -0.7930% | 6,792 |
| Return on assets (ROA) | -0.8960% | 6,886 |
| Pretax return on assets | -1.7333% | 7,115 |
| Return on Equity (ROE) | -7.0720% | 6,788 |
| Retained earnings to average equity (ytd only) | -7.0720% | 6,716 |
| Net charge-offs to loans | 3.9590% | 313 |
| Credit loss provision to net charge-offs | 112.5221% | 3,743 |
| Earnings coverage of net charge-offs (x) | 0.4064% | 5,617 |
| Efficiency ratio | 78.9329% | 2,497 |
| Assets per employee ($millions) | 4.1214% | 3,614 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6806% | 1,102 |
| Loan loss allowance to noncurrent loans | 24.8270% | 6,662 |
| Noncurrent assets plus other real estate owned to assets | 5.9878% | 995 |
| Noncurrent loans to loans | 10.7971% | 359 |
| Net loans and leases to total assets | 53.9710% | 5,855 |
| Net loans and leases to deposits | 62.2767% | 6,093 |
| Net loans and leases to core deposits | 63.0417% | 6,369 |
| Total domestic deposits to total assets | 86.6632% | 2,709 |
| Equity capital to assets | 12.8178% | 1,670 |
| Core capital (leverage) ratio | 11.2012% | 2,127 |
| Tier 1 risk-based capital ratio | 16.8264% | 2,400 |
| Total risk-based capital ratio | 17.8480% | 2,470 |
| Memoranda: | ||
| Average total assets | $172,311,000 | 3,536 |
| Average earning assets | $157,295,000 | 3,545 |
| Average equity | $21,832,000 | 2,938 |
| Average total loans | $95,206,750 | 3,988 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6845% | 6,191 |
| Cost of funding earning assets | 0.6230% | 7,358 |
| Net interest margin | 4.0615% | 2,742 |
| Noninterest income to average assets | 0.5409% | 3,783 |
| Noninterest expense to average assets | 3.3906% | 2,290 |
| Loan and lease loss provision to assets | 1.7183% | 729 |
| Net operating income to assets | -0.8615% | 6,887 |
| Return on assets (ROA) | -1.8602% | 7,278 |
| Pretax return on assets | -1.8602% | 7,195 |
| Return on Equity (ROE) | -14.7375% | 7,136 |
| Retained earnings to average equity (ytd only) | -14.7375% | 7,098 |
| Net charge-offs to loans | 2.6895% | 614 |
| Credit loss provision to net charge-offs | 115.7731% | 3,505 |
| Earnings coverage of net charge-offs (x) | 0.5773% | 5,161 |
| Efficiency ratio | 79.8262% | 2,462 |
| Assets per employee ($millions) | 3.9984% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4673% | 1,340 |
| Loan loss allowance to noncurrent loans | 22.9023% | 6,796 |
| Noncurrent assets plus other real estate owned to assets | 6.1388% | 941 |
| Noncurrent loans to loans | 10.7730% | 384 |
| Net loans and leases to total assets | 55.5773% | 5,775 |
| Net loans and leases to deposits | 64.3669% | 5,993 |
| Net loans and leases to core deposits | 65.6168% | 6,276 |
| Total domestic deposits to total assets | 86.3445% | 2,910 |
| Equity capital to assets | 12.9588% | 1,590 |
| Core capital (leverage) ratio | 11.4060% | 1,971 |
| Tier 1 risk-based capital ratio | 15.6411% | 2,829 |
| Total risk-based capital ratio | 16.9006% | 2,788 |
| Memoranda: | ||
| Average total assets | $173,422,670 | 3,545 |
| Average earning assets | $158,267,000 | 3,546 |
| Average equity | $21,889,670 | 2,932 |
| Average total loans | $95,705,670 | 4,023 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8946% | 5,483 |
| Cost of funding earning assets | 0.6807% | 7,376 |
| Net interest margin | 4.2139% | 1,984 |
| Noninterest income to average assets | 0.4677% | 4,321 |
| Noninterest expense to average assets | 3.2310% | 2,756 |
| Loan and lease loss provision to assets | 3.1742% | 309 |
| Net operating income to assets | -2.1003% | 7,484 |
| Return on assets (ROA) | -3.6238% | 7,691 |
| Pretax return on assets | -3.6238% | 7,652 |
| Return on Equity (ROE) | -29.0796% | 7,559 |
| Retained earnings to average equity (ytd only) | -29.0796% | 7,529 |
| Net charge-offs to loans | 5.1613% | 229 |
| Credit loss provision to net charge-offs | 113.1984% | 3,070 |
| Earnings coverage of net charge-offs (x) | 0.3830% | 4,695 |
| Efficiency ratio | 75.0527% | 3,394 |
| Assets per employee ($millions) | 3.8441% | 4,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5110% | 1,281 |
| Loan loss allowance to noncurrent loans | 31.3733% | 6,322 |
| Noncurrent assets plus other real estate owned to assets | 4.4790% | 1,508 |
| Noncurrent loans to loans | 8.0035% | 672 |
| Net loans and leases to total assets | 52.0927% | 6,261 |
| Net loans and leases to deposits | 59.8929% | 6,478 |
| Net loans and leases to core deposits | 61.0117% | 6,669 |
| Total domestic deposits to total assets | 86.9764% | 2,637 |
| Equity capital to assets | 12.4016% | 1,810 |
| Core capital (leverage) ratio | 11.0160% | 2,220 |
| Tier 1 risk-based capital ratio | 14.3201% | 3,479 |
| Total risk-based capital ratio | 15.5766% | 3,441 |
| Memoranda: | ||
| Average total assets | $176,168,000 | 3,558 |
| Average earning assets | $160,420,500 | 3,560 |
| Average equity | $21,953,500 | 2,953 |
| Average total loans | $95,712,000 | 4,082 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6801% | 3,208 |
| Cost of funding earning assets | 1.0095% | 7,189 |
| Net interest margin | 4.6707% | 876 |
| Noninterest income to average assets | 0.5597% | 3,948 |
| Noninterest expense to average assets | 3.5402% | 2,293 |
| Loan and lease loss provision to assets | 0.6894% | 3,070 |
| Net operating income to assets | 0.6032% | 3,317 |
| Return on assets (ROA) | -0.6081% | 6,275 |
| Pretax return on assets | -1.3028% | 6,595 |
| Return on Equity (ROE) | -4.8209% | 6,193 |
| Retained earnings to average equity (ytd only) | -5.2840% | 6,059 |
| Net charge-offs to loans | 0.6216% | 3,346 |
| Credit loss provision to net charge-offs | 188.1978% | 2,141 |
| Earnings coverage of net charge-offs (x) | 3.4928% | 3,322 |
| Efficiency ratio | 73.4545% | 4,006 |
| Assets per employee ($millions) | 3.8989% | 4,023 |
| Cash dividends to net income (ytd only)* | -9.6061% | 7,606 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1800% | 1,684 |
| Loan loss allowance to noncurrent loans | 61.3242% | 4,342 |
| Noncurrent assets plus other real estate owned to assets | 1.9621% | 3,444 |
| Noncurrent loans to loans | 3.5549% | 2,138 |
| Net loans and leases to total assets | 53.9905% | 6,203 |
| Net loans and leases to deposits | 62.1810% | 6,450 |
| Net loans and leases to core deposits | 74.1434% | 6,525 |
| Total domestic deposits to total assets | 86.8280% | 2,594 |
| Equity capital to assets | 12.5197% | 1,739 |
| Core capital (leverage) ratio | 12.3768% | 1,499 |
| Tier 1 risk-based capital ratio | 14.1190% | 3,430 |
| Total risk-based capital ratio | 15.3715% | 3,383 |
| Memoranda: | ||
| Average total assets | $171,175,400 | 3,593 |
| Average earning assets | $156,123,400 | 3,593 |
| Average equity | $21,593,600 | 3,002 |
| Average total loans | $100,861,600 | 3,920 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7747% | 3,006 |
| Cost of funding earning assets | 1.0754% | 7,232 |
| Net interest margin | 4.6993% | 826 |
| Noninterest income to average assets | 0.5794% | 3,859 |
| Noninterest expense to average assets | 3.7280% | 1,755 |
| Loan and lease loss provision to assets | 0.6701% | 2,729 |
| Net operating income to assets | 0.2873% | 4,834 |
| Return on assets (ROA) | 0.0426% | 5,658 |
| Pretax return on assets | 0.0741% | 5,572 |
| Return on Equity (ROE) | 0.3368% | 5,676 |
| Retained earnings to average equity (ytd only) | -0.2869% | 5,283 |
| Net charge-offs to loans | 0.6882% | 2,633 |
| Credit loss provision to net charge-offs | 162.5239% | 2,902 |
| Earnings coverage of net charge-offs (x) | 2.7323% | 3,860 |
| Efficiency ratio | 76.7944% | 3,362 |
| Assets per employee ($millions) | 3.6844% | 4,462 |
| Cash dividends to net income (ytd only)* | 185.1806% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8366% | 2,182 |
| Loan loss allowance to noncurrent loans | 115.7485% | 2,440 |
| Noncurrent assets plus other real estate owned to assets | 0.9644% | 5,133 |
| Noncurrent loans to loans | 1.5867% | 4,258 |
| Net loans and leases to total assets | 59.6626% | 5,634 |
| Net loans and leases to deposits | 69.2415% | 6,006 |
| Net loans and leases to core deposits | 84.1055% | 6,033 |
| Total domestic deposits to total assets | 86.1660% | 2,607 |
| Equity capital to assets | 13.0926% | 1,660 |
| Core capital (leverage) ratio | 14.0123% | 1,088 |
| Tier 1 risk-based capital ratio | 14.5719% | 3,236 |
| Total risk-based capital ratio | 15.8152% | 3,187 |
| Memoranda: | ||
| Average total assets | $169,131,750 | 3,643 |
| Average earning assets | $153,863,750 | 3,654 |
| Average equity | $21,378,500 | 3,046 |
| Average total loans | $101,329,500 | 3,951 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7852% | 3,122 |
| Cost of funding earning assets | 1.1497% | 7,247 |
| Net interest margin | 4.6355% | 895 |
| Noninterest income to average assets | 0.5793% | 3,842 |
| Noninterest expense to average assets | 3.7595% | 1,726 |
| Loan and lease loss provision to assets | 0.5900% | 2,677 |
| Net operating income to assets | 0.3904% | 4,552 |
| Return on assets (ROA) | 0.4387% | 4,451 |
| Pretax return on assets | 0.4887% | 4,661 |
| Return on Equity (ROE) | 3.5136% | 4,706 |
| Retained earnings to average equity (ytd only) | 2.5588% | 3,904 |
| Net charge-offs to loans | 0.8478% | 1,996 |
| Credit loss provision to net charge-offs | 116.7453% | 3,976 |
| Earnings coverage of net charge-offs (x) | 2.0283% | 4,074 |
| Efficiency ratio | 78.5750% | 3,258 |
| Assets per employee ($millions) | 3.4654% | 4,907 |
| Cash dividends to net income (ytd only)* | 27.1739% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6842% | 2,399 |
| Loan loss allowance to noncurrent loans | 143.5038% | 2,058 |
| Noncurrent assets plus other real estate owned to assets | 0.7172% | 5,611 |
| Noncurrent loans to loans | 1.1737% | 4,871 |
| Net loans and leases to total assets | 60.0801% | 5,664 |
| Net loans and leases to deposits | 69.5483% | 6,038 |
| Net loans and leases to core deposits | 84.5175% | 6,047 |
| Total domestic deposits to total assets | 86.3862% | 2,578 |
| Equity capital to assets | 12.7998% | 1,789 |
| Core capital (leverage) ratio | 14.5457% | 1,012 |
| Tier 1 risk-based capital ratio | 14.8796% | 3,073 |
| Total risk-based capital ratio | 15.9763% | 3,072 |
| Memoranda: | ||
| Average total assets | $167,786,670 | 3,680 |
| Average earning assets | $152,215,330 | 3,704 |
| Average equity | $20,947,330 | 3,109 |
| Average total loans | $100,023,000 | 4,018 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7265% | 3,662 |
| Cost of funding earning assets | 1.2282% | 7,228 |
| Net interest margin | 4.4982% | 1,126 |
| Noninterest income to average assets | 0.5673% | 3,776 |
| Noninterest expense to average assets | 3.7125% | 1,630 |
| Loan and lease loss provision to assets | 1.0326% | 1,270 |
| Net operating income to assets | -0.1092% | 6,427 |
| Return on assets (ROA) | -0.0973% | 6,521 |
| Pretax return on assets | -0.0973% | 6,474 |
| Return on Equity (ROE) | -0.7894% | 6,510 |
| Retained earnings to average equity (ytd only) | -0.7894% | 5,836 |
| Net charge-offs to loans | 1.6813% | 859 |
| Credit loss provision to net charge-offs | 104.3165% | 3,619 |
| Earnings coverage of net charge-offs (x) | 0.9329% | 4,303 |
| Efficiency ratio | 80.0819% | 2,810 |
| Assets per employee ($millions) | 3.7868% | 4,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6847% | 2,192 |
| Loan loss allowance to noncurrent loans | 90.6557% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 1.0739% | 4,544 |
| Noncurrent loans to loans | 1.8584% | 3,476 |
| Net loans and leases to total assets | 56.8128% | 6,125 |
| Net loans and leases to deposits | 65.0599% | 6,455 |
| Net loans and leases to core deposits | 78.3733% | 6,509 |
| Total domestic deposits to total assets | 87.3239% | 2,052 |
| Equity capital to assets | 12.0412% | 2,233 |
| Core capital (leverage) ratio | 14.0350% | 1,186 |
| Tier 1 risk-based capital ratio | 14.6139% | 3,249 |
| Total risk-based capital ratio | 15.6727% | 3,274 |
| Memoranda: | ||
| Average total assets | $168,511,000 | 3,677 |
| Average earning assets | $152,415,000 | 3,706 |
| Average equity | $20,775,500 | 3,142 |
| Average total loans | $99,210,500 | 4,060 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0464% | 5,313 |
| Cost of funding earning assets | 1.4514% | 7,680 |
| Net interest margin | 4.5950% | 1,193 |
| Noninterest income to average assets | 0.5355% | 4,357 |
| Noninterest expense to average assets | 3.6516% | 2,038 |
| Loan and lease loss provision to assets | 0.0362% | 6,952 |
| Net operating income to assets | 0.8126% | 3,385 |
| Return on assets (ROA) | 0.6737% | 3,849 |
| Pretax return on assets | 0.8627% | 3,844 |
| Return on Equity (ROE) | 4.9630% | 4,408 |
| Retained earnings to average equity (ytd only) | 4.0735% | 2,592 |
| Net charge-offs to loans | 0.3275% | 3,214 |
| Credit loss provision to net charge-offs | 20.0669% | 6,577 |
| Earnings coverage of net charge-offs (x) | 5.9666% | 3,478 |
| Efficiency ratio | 77.2246% | 3,049 |
| Assets per employee ($millions) | 3.5450% | 4,556 |
| Cash dividends to net income (ytd only)* | 17.9211% | 4,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6418% | 2,094 |
| Loan loss allowance to noncurrent loans | 79.8152% | 4,127 |
| Noncurrent assets plus other real estate owned to assets | 1.2340% | 3,752 |
| Noncurrent loans to loans | 2.0570% | 2,686 |
| Net loans and leases to total assets | 59.0031% | 6,053 |
| Net loans and leases to deposits | 68.2382% | 6,437 |
| Net loans and leases to core deposits | 80.4754% | 6,580 |
| Total domestic deposits to total assets | 86.4664% | 2,184 |
| Equity capital to assets | 12.6231% | 1,959 |
| Core capital (leverage) ratio | 14.1467% | 1,231 |
| Tier 1 risk-based capital ratio | 16.0294% | 2,656 |
| Total risk-based capital ratio | 17.1768% | 2,637 |
| Memoranda: | ||
| Average total assets | $165,651,400 | 3,621 |
| Average earning assets | $151,164,400 | 3,633 |
| Average equity | $22,486,600 | 2,913 |
| Average total loans | $91,297,800 | 4,183 |