Home > BankLiberty > Performance and Condition Ratios
BankLiberty, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9543% | 1,666 |
| Cost of funding earning assets | 0.3070% | 4,782 |
| Net interest margin | 4.6473% | 553 |
| Noninterest income to average assets | 0.7372% | 1,631 |
| Noninterest expense to average assets | 2.8051% | 2,550 |
| Loan and lease loss provision to assets | 0.0538% | 2,834 |
| Net operating income to assets | 1.4654% | 1,288 |
| Return on assets (ROA) | 1.4654% | 1,343 |
| Pretax return on assets | 1.9049% | 856 |
| Return on Equity (ROE) | 10.3756% | 2,259 |
| Retained earnings to average equity (ytd only) | -1.2367% | 4,877 |
| Net charge-offs to loans | -0.0121% | 4,434 |
| Credit loss provision to net charge-offs | -584.2105% | 4,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3873% | 4,126 |
| Assets per employee ($millions) | NA | NA |
| Cash dividends to net income (ytd only)* | 111.9193% | 225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0663% | 5,189 |
| Loan loss allowance to noncurrent loans | 223.4783% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.5726% | 2,294 |
| Noncurrent loans to loans | 0.0297% | 4,535 |
| Net loans and leases to total assets | 66.5722% | 2,979 |
| Net loans and leases to deposits | 82.9623% | 2,571 |
| Net loans and leases to core deposits | 84.5705% | 3,039 |
| Total domestic deposits to total assets | 80.2439% | 3,938 |
| Equity capital to assets | 18.8093% | 325 |
| Core capital (leverage) ratio | 11.1557% | 2,511 |
| Tier 1 risk-based capital ratio | 13.5044% | 3,569 |
| Total risk-based capital ratio | 13.5664% | 4,128 |
| Memoranda: | ||
| Average total assets | $550,357,250 | 1,308 |
| Average earning assets | $476,855,750 | 1,394 |
| Average equity | $77,731,750 | 1,114 |
| Average total loans | $419,942,750 | 1,223 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9619% | 1,582 |
| Cost of funding earning assets | 0.3017% | 4,825 |
| Net interest margin | 4.6601% | 539 |
| Noninterest income to average assets | 0.7623% | 1,471 |
| Noninterest expense to average assets | 2.7913% | 2,619 |
| Loan and lease loss provision to assets | -0.0089% | 5,120 |
| Net operating income to assets | 1.6109% | 883 |
| Return on assets (ROA) | 1.6109% | 921 |
| Pretax return on assets | 2.0990% | 551 |
| Return on Equity (ROE) | 12.9471% | 1,259 |
| Retained earnings to average equity (ytd only) | -0.6579% | 4,782 |
| Net charge-offs to loans | -0.0125% | 4,393 |
| Credit loss provision to net charge-offs | 88.8889% | 2,146 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5884% | 4,294 |
| Assets per employee ($millions) | 3.9668% | 3,911 |
| Cash dividends to net income (ytd only)* | 105.0816% | 363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2308% | 2,357 |
| Loan loss allowance to noncurrent loans | 4,675.4545% | 152 |
| Noncurrent assets plus other real estate owned to assets | 0.8465% | 1,665 |
| Noncurrent loans to loans | 0.0263% | 4,591 |
| Net loans and leases to total assets | 76.5021% | 1,470 |
| Net loans and leases to deposits | 88.4756% | 1,944 |
| Net loans and leases to core deposits | 90.6413% | 2,547 |
| Total domestic deposits to total assets | 86.4670% | 1,834 |
| Equity capital to assets | 12.4858% | 1,865 |
| Core capital (leverage) ratio | 11.5451% | 2,124 |
| Tier 1 risk-based capital ratio | 13.1486% | 3,760 |
| Total risk-based capital ratio | 14.2560% | 3,740 |
| Memoranda: | ||
| Average total assets | $539,962,000 | 1,337 |
| Average earning assets | $477,281,000 | 1,391 |
| Average equity | $67,181,000 | 1,253 |
| Average total loans | $430,789,330 | 1,205 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9521% | 1,473 |
| Cost of funding earning assets | 0.2741% | 4,920 |
| Net interest margin | 4.6780% | 519 |
| Noninterest income to average assets | 0.7160% | 1,558 |
| Noninterest expense to average assets | 2.8204% | 2,498 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.5535% | 1,000 |
| Return on assets (ROA) | 1.5535% | 1,028 |
| Pretax return on assets | 2.0281% | 609 |
| Return on Equity (ROE) | 12.5082% | 1,381 |
| Retained earnings to average equity (ytd only) | -2.2179% | 4,759 |
| Net charge-offs to loans | -0.0091% | 4,200 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.5669% | 4,264 |
| Assets per employee ($millions) | 3.9124% | 4,051 |
| Cash dividends to net income (ytd only)* | 117.7312% | 480 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1976% | 2,594 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8255% | 1,721 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 78.6966% | 1,040 |
| Net loans and leases to deposits | 91.0975% | 1,500 |
| Net loans and leases to core deposits | 93.5336% | 2,168 |
| Total domestic deposits to total assets | 86.3873% | 2,114 |
| Equity capital to assets | 12.4162% | 1,788 |
| Core capital (leverage) ratio | 11.5514% | 2,102 |
| Tier 1 risk-based capital ratio | 12.6511% | 4,070 |
| Total risk-based capital ratio | 13.7242% | 4,052 |
| Memoranda: | ||
| Average total assets | $540,199,500 | 1,338 |
| Average earning assets | $477,210,000 | 1,393 |
| Average equity | $67,092,000 | 1,243 |
| Average total loans | $437,253,000 | 1,194 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0133% | 1,019 |
| Cost of funding earning assets | 0.2558% | 4,775 |
| Net interest margin | 4.7575% | 434 |
| Noninterest income to average assets | 0.7352% | 1,709 |
| Noninterest expense to average assets | 2.8109% | 2,654 |
| Loan and lease loss provision to assets | -0.0380% | 5,166 |
| Net operating income to assets | 1.6590% | 759 |
| Return on assets (ROA) | 1.6697% | 735 |
| Pretax return on assets | 2.1829% | 371 |
| Return on Equity (ROE) | 14.3929% | 959 |
| Retained earnings to average equity (ytd only) | 4.2845% | 3,188 |
| Net charge-offs to loans | -0.0599% | 5,026 |
| Credit loss provision to net charge-offs | 78.1746% | 2,892 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3951% | 4,473 |
| Assets per employee ($millions) | 3.8606% | 4,089 |
| Cash dividends to net income (ytd only)* | 70.2322% | 1,071 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1565% | 2,789 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.8246% | 1,697 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 81.2829% | 771 |
| Net loans and leases to deposits | 94.7352% | 1,201 |
| Net loans and leases to core deposits | 97.8230% | 1,880 |
| Total domestic deposits to total assets | 85.8002% | 2,324 |
| Equity capital to assets | 12.4161% | 1,623 |
| Core capital (leverage) ratio | 11.1975% | 2,356 |
| Tier 1 risk-based capital ratio | 12.2473% | 4,270 |
| Total risk-based capital ratio | 13.2827% | 4,298 |
| Memoranda: | ||
| Average total assets | $518,484,000 | 1,359 |
| Average earning assets | $458,496,200 | 1,417 |
| Average equity | $60,147,600 | 1,320 |
| Average total loans | $420,881,000 | 1,203 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9943% | 950 |
| Cost of funding earning assets | 0.2550% | 4,757 |
| Net interest margin | 4.7393% | 432 |
| Noninterest income to average assets | 0.7340% | 1,736 |
| Noninterest expense to average assets | 2.8437% | 2,483 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.6041% | 953 |
| Return on assets (ROA) | 1.6088% | 951 |
| Pretax return on assets | 2.0886% | 498 |
| Return on Equity (ROE) | 14.1302% | 1,084 |
| Retained earnings to average equity (ytd only) | 5.0449% | 3,215 |
| Net charge-offs to loans | -0.0177% | 4,594 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3680% | 4,335 |
| Assets per employee ($millions) | 4.0637% | 3,794 |
| Cash dividends to net income (ytd only)* | 64.2972% | 1,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1305% | 3,020 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7948% | 1,862 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 80.1616% | 996 |
| Net loans and leases to deposits | 93.9705% | 1,383 |
| Net loans and leases to core deposits | 97.1327% | 2,009 |
| Total domestic deposits to total assets | 85.3051% | 2,485 |
| Equity capital to assets | 11.8195% | 2,023 |
| Core capital (leverage) ratio | 11.0362% | 2,550 |
| Tier 1 risk-based capital ratio | 12.0040% | 4,501 |
| Total risk-based capital ratio | 13.0215% | 4,516 |
| Memoranda: | ||
| Average total assets | $512,983,750 | 1,377 |
| Average earning assets | $453,785,000 | 1,437 |
| Average equity | $58,407,750 | 1,354 |
| Average total loans | $414,985,750 | 1,217 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0367% | 754 |
| Cost of funding earning assets | 0.2684% | 4,644 |
| Net interest margin | 4.7683% | 376 |
| Noninterest income to average assets | 0.7424% | 1,676 |
| Noninterest expense to average assets | 2.8174% | 2,612 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.6428% | 815 |
| Return on assets (ROA) | 1.6501% | 810 |
| Pretax return on assets | 2.1447% | 441 |
| Return on Equity (ROE) | 14.7034% | 917 |
| Retained earnings to average equity (ytd only) | 9.0386% | 1,205 |
| Net charge-offs to loans | -0.0169% | 4,499 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.7884% | 4,504 |
| Assets per employee ($millions) | 3.9663% | 3,954 |
| Cash dividends to net income (ytd only)* | 38.5272% | 2,211 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1499% | 2,979 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7914% | 1,896 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 78.1304% | 1,288 |
| Net loans and leases to deposits | 90.0627% | 1,834 |
| Net loans and leases to core deposits | 93.2723% | 2,285 |
| Total domestic deposits to total assets | 86.7512% | 1,946 |
| Equity capital to assets | 11.8096% | 1,985 |
| Core capital (leverage) ratio | 11.0856% | 2,445 |
| Tier 1 risk-based capital ratio | 12.2228% | 4,360 |
| Total risk-based capital ratio | 13.2528% | 4,371 |
| Memoranda: | ||
| Average total assets | $497,049,670 | 1,423 |
| Average earning assets | $438,895,670 | 1,494 |
| Average equity | $55,783,000 | 1,404 |
| Average total loans | $401,756,000 | 1,252 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6828% | 1,345 |
| Cost of funding earning assets | 0.2945% | 4,392 |
| Net interest margin | 4.3883% | 785 |
| Noninterest income to average assets | 0.7888% | 1,493 |
| Noninterest expense to average assets | 2.7881% | 2,737 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.4413% | 1,219 |
| Return on assets (ROA) | 1.4570% | 1,182 |
| Pretax return on assets | 1.8872% | 750 |
| Return on Equity (ROE) | 13.4079% | 1,159 |
| Retained earnings to average equity (ytd only) | 13.4079% | 467 |
| Net charge-offs to loans | -0.0221% | 4,609 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.1481% | 4,191 |
| Assets per employee ($millions) | 3.9785% | 4,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 2,096 |
| Loan loss allowance to noncurrent loans | 170,200.0000% | 3 |
| Noncurrent assets plus other real estate owned to assets | 1.2640% | 1,178 |
| Noncurrent loans to loans | 0.0008% | 5,033 |
| Net loans and leases to total assets | 80.6212% | 853 |
| Net loans and leases to deposits | 99.8528% | 720 |
| Net loans and leases to core deposits | 104.3621% | 1,351 |
| Total domestic deposits to total assets | 80.7401% | 4,261 |
| Equity capital to assets | 10.9181% | 2,661 |
| Core capital (leverage) ratio | 10.7214% | 2,717 |
| Tier 1 risk-based capital ratio | 11.0845% | 5,092 |
| Total risk-based capital ratio | 12.2604% | 5,025 |
| Memoranda: | ||
| Average total assets | $463,968,500 | 1,530 |
| Average earning assets | $408,812,500 | 1,586 |
| Average equity | $50,418,000 | 1,519 |
| Average total loans | $380,054,500 | 1,318 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6908% | 1,223 |
| Cost of funding earning assets | 0.2328% | 4,708 |
| Net interest margin | 4.4579% | 683 |
| Noninterest income to average assets | 0.9356% | 1,174 |
| Noninterest expense to average assets | 3.0490% | 2,012 |
| Loan and lease loss provision to assets | -0.1167% | 5,501 |
| Net operating income to assets | 1.0012% | 2,237 |
| Return on assets (ROA) | 0.9779% | 2,376 |
| Pretax return on assets | 1.8579% | 670 |
| Return on Equity (ROE) | 8.7036% | 2,449 |
| Retained earnings to average equity (ytd only) | -2.4124% | 5,312 |
| Net charge-offs to loans | -0.0501% | 5,187 |
| Credit loss provision to net charge-offs | 288.4615% | 975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.4286% | 3,873 |
| Assets per employee ($millions) | 3.8206% | 4,251 |
| Cash dividends to net income (ytd only)* | 127.7171% | 190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 1,966 |
| Loan loss allowance to noncurrent loans | 16,403.2258% | 62 |
| Noncurrent assets plus other real estate owned to assets | 1.3004% | 1,114 |
| Noncurrent loans to loans | 0.0082% | 5,015 |
| Net loans and leases to total assets | 81.0147% | 832 |
| Net loans and leases to deposits | 101.0449% | 658 |
| Net loans and leases to core deposits | 106.4349% | 1,237 |
| Total domestic deposits to total assets | 80.1769% | 4,305 |
| Equity capital to assets | 10.8140% | 2,825 |
| Core capital (leverage) ratio | 10.4120% | 2,953 |
| Tier 1 risk-based capital ratio | 10.7138% | 5,295 |
| Total risk-based capital ratio | 11.8873% | 5,216 |
| Memoranda: | ||
| Average total assets | $449,750,600 | 1,549 |
| Average earning assets | $392,557,600 | 1,624 |
| Average equity | $50,530,800 | 1,508 |
| Average total loans | $363,476,600 | 1,335 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6857% | 1,170 |
| Cost of funding earning assets | 0.2252% | 4,774 |
| Net interest margin | 4.4605% | 652 |
| Noninterest income to average assets | 1.0018% | 1,018 |
| Noninterest expense to average assets | 3.0108% | 2,083 |
| Loan and lease loss provision to assets | -0.1564% | 5,631 |
| Net operating income to assets | 1.3408% | 1,219 |
| Return on assets (ROA) | 1.3408% | 1,245 |
| Pretax return on assets | 2.0352% | 512 |
| Return on Equity (ROE) | 11.8206% | 1,390 |
| Retained earnings to average equity (ytd only) | 2.5317% | 4,379 |
| Net charge-offs to loans | -0.0762% | 5,301 |
| Credit loss provision to net charge-offs | 254.8544% | 1,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8383% | 4,068 |
| Assets per employee ($millions) | 3.7378% | 4,398 |
| Cash dividends to net income (ytd only)* | 78.5825% | 688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3892% | 1,940 |
| Loan loss allowance to noncurrent loans | 4,644.5455% | 171 |
| Noncurrent assets plus other real estate owned to assets | 1.3357% | 1,196 |
| Noncurrent loans to loans | 0.0299% | 4,990 |
| Net loans and leases to total assets | 80.1870% | 960 |
| Net loans and leases to deposits | 95.8091% | 1,127 |
| Net loans and leases to core deposits | 100.5858% | 1,655 |
| Total domestic deposits to total assets | 83.6946% | 3,232 |
| Equity capital to assets | 11.4118% | 2,455 |
| Core capital (leverage) ratio | 10.9283% | 2,527 |
| Tier 1 risk-based capital ratio | 11.4052% | 5,010 |
| Total risk-based capital ratio | 12.6123% | 4,928 |
| Memoranda: | ||
| Average total assets | $447,570,750 | 1,561 |
| Average earning assets | $390,112,500 | 1,643 |
| Average equity | $50,768,750 | 1,520 |
| Average total loans | $360,217,500 | 1,356 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6653% | 1,130 |
| Cost of funding earning assets | 0.2280% | 4,737 |
| Net interest margin | 4.4373% | 649 |
| Noninterest income to average assets | 0.7121% | 1,936 |
| Noninterest expense to average assets | 3.0708% | 1,909 |
| Loan and lease loss provision to assets | -0.1345% | 5,671 |
| Net operating income to assets | 1.0856% | 2,055 |
| Return on assets (ROA) | 1.0856% | 2,104 |
| Pretax return on assets | 1.6341% | 1,241 |
| Return on Equity (ROE) | 9.5905% | 2,222 |
| Retained earnings to average equity (ytd only) | 0.1347% | 5,042 |
| Net charge-offs to loans | 0.0123% | 3,025 |
| Credit loss provision to net charge-offs | -1,363.6364% | 4,882 |
| Earnings coverage of net charge-offs (x) | 152.0000% | 500 |
| Efficiency ratio | 66.4050% | 3,285 |
| Assets per employee ($millions) | 4.2708% | 3,490 |
| Cash dividends to net income (ytd only)* | 98.5956% | 502 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3870% | 2,000 |
| Loan loss allowance to noncurrent loans | 1,266.9975% | 486 |
| Noncurrent assets plus other real estate owned to assets | 1.5825% | 944 |
| Noncurrent loans to loans | 0.1095% | 4,682 |
| Net loans and leases to total assets | 80.1879% | 922 |
| Net loans and leases to deposits | 95.4213% | 1,125 |
| Net loans and leases to core deposits | 99.9458% | 1,651 |
| Total domestic deposits to total assets | 84.0357% | 3,185 |
| Equity capital to assets | 11.1857% | 2,615 |
| Core capital (leverage) ratio | 10.7108% | 2,692 |
| Tier 1 risk-based capital ratio | 11.1798% | 5,157 |
| Total risk-based capital ratio | 12.3885% | 5,067 |
| Memoranda: | ||
| Average total assets | $446,001,330 | 1,576 |
| Average earning assets | $387,802,000 | 1,652 |
| Average equity | $50,487,330 | 1,527 |
| Average total loans | $357,697,330 | 1,367 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7586% | 828 |
| Cost of funding earning assets | 0.2337% | 4,683 |
| Net interest margin | 4.5249% | 501 |
| Noninterest income to average assets | 0.8223% | 1,478 |
| Noninterest expense to average assets | 3.2378% | 1,511 |
| Loan and lease loss provision to assets | -0.2711% | 5,811 |
| Net operating income to assets | 1.1630% | 1,618 |
| Return on assets (ROA) | 1.1630% | 1,657 |
| Pretax return on assets | 1.7748% | 848 |
| Return on Equity (ROE) | 10.2119% | 1,865 |
| Retained earnings to average equity (ytd only) | 1.4838% | 4,510 |
| Net charge-offs to loans | -0.0238% | 4,830 |
| Credit loss provision to net charge-offs | 1,428.5714% | 237 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5243% | 3,275 |
| Assets per employee ($millions) | 4.0929% | 3,855 |
| Cash dividends to net income (ytd only)* | 85.4701% | 885 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4854% | 1,742 |
| Loan loss allowance to noncurrent loans | 1,466.9516% | 443 |
| Noncurrent assets plus other real estate owned to assets | 1.8506% | 754 |
| Noncurrent loans to loans | 0.1013% | 4,788 |
| Net loans and leases to total assets | 76.5473% | 1,324 |
| Net loans and leases to deposits | 88.9733% | 1,667 |
| Net loans and leases to core deposits | 93.5629% | 2,018 |
| Total domestic deposits to total assets | 86.0341% | 2,649 |
| Equity capital to assets | 11.3402% | 2,314 |
| Core capital (leverage) ratio | 10.8857% | 2,498 |
| Tier 1 risk-based capital ratio | 11.8695% | 4,796 |
| Total risk-based capital ratio | 13.1203% | 4,704 |
| Memoranda: | ||
| Average total assets | $442,650,000 | 1,593 |
| Average earning assets | $383,393,500 | 1,679 |
| Average equity | $50,412,000 | 1,532 |
| Average total loans | $352,486,000 | 1,391 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9826% | 609 |
| Cost of funding earning assets | 0.2571% | 4,502 |
| Net interest margin | 4.7255% | 408 |
| Noninterest income to average assets | 0.7361% | 2,012 |
| Noninterest expense to average assets | 2.9811% | 2,403 |
| Loan and lease loss provision to assets | 0.0623% | 3,127 |
| Net operating income to assets | 1.1781% | 1,575 |
| Return on assets (ROA) | 1.1781% | 1,674 |
| Pretax return on assets | 1.7764% | 848 |
| Return on Equity (ROE) | 10.2644% | 1,858 |
| Retained earnings to average equity (ytd only) | 2.2579% | 4,249 |
| Net charge-offs to loans | 0.0817% | 2,521 |
| Credit loss provision to net charge-offs | 94.7552% | 2,708 |
| Earnings coverage of net charge-offs (x) | 27.9825% | 1,490 |
| Efficiency ratio | 61.0849% | 4,404 |
| Assets per employee ($millions) | 4.3056% | 3,427 |
| Cash dividends to net income (ytd only)* | 78.0031% | 978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5148% | 1,617 |
| Loan loss allowance to noncurrent loans | 1,145.1477% | 541 |
| Noncurrent assets plus other real estate owned to assets | 1.9352% | 724 |
| Noncurrent loans to loans | 0.1323% | 4,705 |
| Net loans and leases to total assets | 80.3548% | 842 |
| Net loans and leases to deposits | 93.7250% | 1,226 |
| Net loans and leases to core deposits | 95.2959% | 1,981 |
| Total domestic deposits to total assets | 85.7347% | 2,707 |
| Equity capital to assets | 11.4379% | 2,220 |
| Core capital (leverage) ratio | 10.9383% | 2,396 |
| Tier 1 risk-based capital ratio | 11.4342% | 5,098 |
| Total risk-based capital ratio | 12.6855% | 4,993 |
| Memoranda: | ||
| Average total assets | $435,272,400 | 1,560 |
| Average earning assets | $376,151,800 | 1,653 |
| Average equity | $49,959,000 | 1,520 |
| Average total loans | $350,215,200 | 1,341 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0630% | 534 |
| Cost of funding earning assets | 0.2615% | 4,492 |
| Net interest margin | 4.8014% | 363 |
| Noninterest income to average assets | 0.7193% | 2,084 |
| Noninterest expense to average assets | 3.0102% | 2,293 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2314% | 1,512 |
| Return on assets (ROA) | 1.2314% | 1,619 |
| Pretax return on assets | 1.8629% | 773 |
| Return on Equity (ROE) | 10.7192% | 1,782 |
| Retained earnings to average equity (ytd only) | 3.2363% | 3,973 |
| Net charge-offs to loans | -0.0498% | 5,366 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0093% | 4,392 |
| Assets per employee ($millions) | 4.1448% | 3,697 |
| Cash dividends to net income (ytd only)* | 69.8080% | 1,046 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6100% | 1,441 |
| Loan loss allowance to noncurrent loans | 405.8995% | 1,256 |
| Noncurrent assets plus other real estate owned to assets | 2.1849% | 678 |
| Noncurrent loans to loans | 0.3967% | 3,846 |
| Net loans and leases to total assets | 79.0095% | 1,037 |
| Net loans and leases to deposits | 91.6594% | 1,542 |
| Net loans and leases to core deposits | 93.4580% | 2,237 |
| Total domestic deposits to total assets | 86.1990% | 2,261 |
| Equity capital to assets | 11.7405% | 2,309 |
| Core capital (leverage) ratio | 10.9982% | 2,447 |
| Tier 1 risk-based capital ratio | 11.9101% | 4,842 |
| Total risk-based capital ratio | 13.1626% | 4,734 |
| Memoranda: | ||
| Average total assets | $434,297,500 | 1,562 |
| Average earning assets | $375,711,750 | 1,654 |
| Average equity | $49,890,750 | 1,530 |
| Average total loans | $348,188,000 | 1,346 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2308% | 406 |
| Cost of funding earning assets | 0.2729% | 4,413 |
| Net interest margin | 4.9579% | 280 |
| Noninterest income to average assets | 0.7148% | 2,069 |
| Noninterest expense to average assets | 3.0429% | 2,225 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2890% | 1,305 |
| Return on assets (ROA) | 1.2890% | 1,417 |
| Pretax return on assets | 1.9620% | 618 |
| Return on Equity (ROE) | 11.3027% | 1,540 |
| Retained earnings to average equity (ytd only) | 4.0522% | 3,326 |
| Net charge-offs to loans | -0.0676% | 5,483 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0642% | 4,630 |
| Assets per employee ($millions) | 4.2664% | 3,437 |
| Cash dividends to net income (ytd only)* | 64.1483% | 1,371 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6269% | 1,451 |
| Loan loss allowance to noncurrent loans | 354.2038% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 2.2327% | 677 |
| Noncurrent loans to loans | 0.4593% | 3,723 |
| Net loans and leases to total assets | 78.0334% | 1,199 |
| Net loans and leases to deposits | 90.9099% | 1,641 |
| Net loans and leases to core deposits | 92.6621% | 2,288 |
| Total domestic deposits to total assets | 85.8360% | 2,499 |
| Equity capital to assets | 11.6895% | 2,366 |
| Core capital (leverage) ratio | 10.7946% | 2,657 |
| Tier 1 risk-based capital ratio | 11.9849% | 4,836 |
| Total risk-based capital ratio | 13.2376% | 4,748 |
| Memoranda: | ||
| Average total assets | $435,378,000 | 1,558 |
| Average earning assets | $376,730,000 | 1,656 |
| Average equity | $49,651,670 | 1,533 |
| Average total loans | $348,868,000 | 1,339 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9346% | 657 |
| Cost of funding earning assets | 0.2811% | 4,376 |
| Net interest margin | 4.6535% | 458 |
| Noninterest income to average assets | 0.7038% | 2,025 |
| Noninterest expense to average assets | 3.0648% | 2,194 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.0950% | 1,923 |
| Return on assets (ROA) | 1.0950% | 2,019 |
| Pretax return on assets | 1.6636% | 1,144 |
| Return on Equity (ROE) | 9.7217% | 2,107 |
| Retained earnings to average equity (ytd only) | 3.2297% | 3,885 |
| Net charge-offs to loans | -0.1725% | 5,808 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0441% | 4,118 |
| Assets per employee ($millions) | 4.3503% | 3,325 |
| Cash dividends to net income (ytd only)* | 66.7780% | 1,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5772% | 1,691 |
| Loan loss allowance to noncurrent loans | 2,991.9786% | 229 |
| Noncurrent assets plus other real estate owned to assets | 1.8831% | 958 |
| Noncurrent loans to loans | 0.0527% | 5,278 |
| Net loans and leases to total assets | 79.4608% | 892 |
| Net loans and leases to deposits | 96.5494% | 887 |
| Net loans and leases to core deposits | 97.7709% | 1,652 |
| Total domestic deposits to total assets | 82.3007% | 4,119 |
| Equity capital to assets | 11.2831% | 2,648 |
| Core capital (leverage) ratio | 10.5587% | 2,899 |
| Tier 1 risk-based capital ratio | 12.0574% | 4,880 |
| Total risk-based capital ratio | 13.3107% | 4,795 |
| Memoranda: | ||
| Average total assets | $437,612,500 | 1,555 |
| Average earning assets | $378,471,500 | 1,650 |
| Average equity | $49,292,000 | 1,541 |
| Average total loans | $352,395,000 | 1,321 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7602% | 992 |
| Cost of funding earning assets | 0.2280% | 5,027 |
| Net interest margin | 4.5322% | 620 |
| Noninterest income to average assets | 0.8816% | 1,496 |
| Noninterest expense to average assets | 3.3368% | 1,633 |
| Loan and lease loss provision to assets | -0.0898% | 5,837 |
| Net operating income to assets | 1.0103% | 2,310 |
| Return on assets (ROA) | 1.0118% | 2,386 |
| Pretax return on assets | 1.5181% | 1,499 |
| Return on Equity (ROE) | 7.2881% | 3,367 |
| Retained earnings to average equity (ytd only) | -26.2584% | 6,132 |
| Net charge-offs to loans | 0.0417% | 3,384 |
| Credit loss provision to net charge-offs | -291.9708% | 5,341 |
| Earnings coverage of net charge-offs (x) | 46.3796% | 1,054 |
| Efficiency ratio | 69.2003% | 3,365 |
| Assets per employee ($millions) | 4.4474% | 3,128 |
| Cash dividends to net income (ytd only)* | 460.2928% | 22 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5549% | 1,783 |
| Loan loss allowance to noncurrent loans | 1,367.5879% | 454 |
| Noncurrent assets plus other real estate owned to assets | 1.9569% | 914 |
| Noncurrent loans to loans | 0.1137% | 5,046 |
| Net loans and leases to total assets | 79.0687% | 977 |
| Net loans and leases to deposits | 95.8910% | 1,025 |
| Net loans and leases to core deposits | 96.7718% | 1,768 |
| Total domestic deposits to total assets | 82.4569% | 4,034 |
| Equity capital to assets | 11.2445% | 2,595 |
| Core capital (leverage) ratio | 10.6380% | 2,786 |
| Tier 1 risk-based capital ratio | 11.8587% | 5,038 |
| Total risk-based capital ratio | 13.1114% | 4,948 |
| Memoranda: | ||
| Average total assets | $445,552,200 | 1,502 |
| Average earning assets | $381,562,200 | 1,599 |
| Average equity | $61,854,600 | 1,217 |
| Average total loans | $328,890,600 | 1,359 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7172% | 1,066 |
| Cost of funding earning assets | 0.2288% | 5,103 |
| Net interest margin | 4.4885% | 670 |
| Noninterest income to average assets | 0.9634% | 1,281 |
| Noninterest expense to average assets | 3.1414% | 2,114 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0985% | 2,014 |
| Return on assets (ROA) | 1.0991% | 2,092 |
| Pretax return on assets | 1.6593% | 1,215 |
| Return on Equity (ROE) | 7.5675% | 3,302 |
| Retained earnings to average equity (ytd only) | -1.6537% | 5,818 |
| Net charge-offs to loans | 0.1133% | 1,992 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 20.2617% | 1,881 |
| Efficiency ratio | 64.5935% | 4,142 |
| Assets per employee ($millions) | 4.1083% | 3,687 |
| Cash dividends to net income (ytd only)* | 121.8521% | 218 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7403% | 1,389 |
| Loan loss allowance to noncurrent loans | 1,477.9793% | 404 |
| Noncurrent assets plus other real estate owned to assets | 2.0626% | 974 |
| Noncurrent loans to loans | 0.1177% | 5,157 |
| Net loans and leases to total assets | 73.2768% | 1,858 |
| Net loans and leases to deposits | 91.0062% | 1,524 |
| Net loans and leases to core deposits | 91.6470% | 2,300 |
| Total domestic deposits to total assets | 80.5185% | 4,598 |
| Equity capital to assets | 14.6602% | 819 |
| Core capital (leverage) ratio | 13.8707% | 895 |
| Tier 1 risk-based capital ratio | 16.6987% | 2,480 |
| Total risk-based capital ratio | 17.9534% | 2,436 |
| Memoranda: | ||
| Average total assets | $447,980,000 | 1,508 |
| Average earning assets | $382,898,000 | 1,609 |
| Average equity | $65,066,250 | 1,166 |
| Average total loans | $323,599,000 | 1,383 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7612% | 966 |
| Cost of funding earning assets | 0.2316% | 5,126 |
| Net interest margin | 4.5296% | 603 |
| Noninterest income to average assets | 0.6669% | 2,376 |
| Noninterest expense to average assets | 3.1395% | 2,145 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9286% | 2,737 |
| Return on assets (ROA) | 0.9286% | 2,859 |
| Pretax return on assets | 1.3896% | 2,020 |
| Return on Equity (ROE) | 6.4130% | 3,925 |
| Retained earnings to average equity (ytd only) | 1.0510% | 5,152 |
| Net charge-offs to loans | 0.1651% | 1,478 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 11.7744% | 2,259 |
| Efficiency ratio | 68.4169% | 3,610 |
| Assets per employee ($millions) | 4.1349% | 3,600 |
| Cash dividends to net income (ytd only)* | 83.6120% | 844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6835% | 1,642 |
| Loan loss allowance to noncurrent loans | 719.5214% | 748 |
| Noncurrent assets plus other real estate owned to assets | 2.1142% | 1,016 |
| Noncurrent loans to loans | 0.2340% | 4,832 |
| Net loans and leases to total assets | 75.4102% | 1,452 |
| Net loans and leases to deposits | 89.6652% | 1,639 |
| Net loans and leases to core deposits | 90.3275% | 2,314 |
| Total domestic deposits to total assets | 84.1019% | 3,525 |
| Equity capital to assets | 14.7860% | 746 |
| Core capital (leverage) ratio | 14.0773% | 819 |
| Tier 1 risk-based capital ratio | 16.6696% | 2,532 |
| Total risk-based capital ratio | 17.9239% | 2,480 |
| Memoranda: | ||
| Average total assets | $450,776,000 | 1,510 |
| Average earning assets | $384,357,670 | 1,608 |
| Average equity | $65,273,330 | 1,176 |
| Average total loans | $322,190,670 | 1,394 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4664% | 1,564 |
| Cost of funding earning assets | 0.2481% | 5,042 |
| Net interest margin | 4.2183% | 1,025 |
| Noninterest income to average assets | 0.7676% | 1,836 |
| Noninterest expense to average assets | 3.2004% | 1,985 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7702% | 3,429 |
| Return on assets (ROA) | 0.7702% | 3,564 |
| Pretax return on assets | 1.1395% | 2,908 |
| Return on Equity (ROE) | 5.3742% | 4,344 |
| Retained earnings to average equity (ytd only) | 0.7730% | 5,145 |
| Net charge-offs to loans | 0.1837% | 1,192 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 9.0000% | 2,041 |
| Efficiency ratio | 72.8120% | 3,025 |
| Assets per employee ($millions) | 4.2340% | 3,495 |
| Cash dividends to net income (ytd only)* | 85.6164% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8635% | 1,361 |
| Loan loss allowance to noncurrent loans | 157.1775% | 2,689 |
| Noncurrent assets plus other real estate owned to assets | 3.1379% | 579 |
| Noncurrent loans to loans | 1.1856% | 2,401 |
| Net loans and leases to total assets | 67.8402% | 2,467 |
| Net loans and leases to deposits | 80.1998% | 2,540 |
| Net loans and leases to core deposits | 80.9154% | 3,063 |
| Total domestic deposits to total assets | 84.5890% | 3,586 |
| Equity capital to assets | 14.4243% | 853 |
| Core capital (leverage) ratio | 13.7486% | 895 |
| Tier 1 risk-based capital ratio | 17.3713% | 2,348 |
| Total risk-based capital ratio | 18.6261% | 2,306 |
| Memoranda: | ||
| Average total assets | $454,948,500 | 1,498 |
| Average earning assets | $385,277,000 | 1,606 |
| Average equity | $65,201,000 | 1,175 |
| Average total loans | $313,610,500 | 1,425 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9242% | 885 |
| Cost of funding earning assets | 0.3804% | 3,903 |
| Net interest margin | 4.5438% | 688 |
| Noninterest income to average assets | 0.8205% | 1,791 |
| Noninterest expense to average assets | 3.3527% | 1,795 |
| Loan and lease loss provision to assets | 0.0622% | 3,275 |
| Net operating income to assets | 0.8555% | 3,086 |
| Return on assets (ROA) | 0.8545% | 3,193 |
| Pretax return on assets | 1.2592% | 2,401 |
| Return on Equity (ROE) | 6.3558% | 3,972 |
| Retained earnings to average equity (ytd only) | 1.3446% | 5,173 |
| Net charge-offs to loans | 0.1909% | 2,138 |
| Credit loss provision to net charge-offs | 46.7290% | 3,553 |
| Earnings coverage of net charge-offs (x) | 9.9393% | 2,677 |
| Efficiency ratio | 70.8876% | 3,391 |
| Assets per employee ($millions) | 4.1159% | 3,694 |
| Cash dividends to net income (ytd only)* | 78.8452% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9039% | 1,308 |
| Loan loss allowance to noncurrent loans | 287.8671% | 1,682 |
| Noncurrent assets plus other real estate owned to assets | 4.5307% | 336 |
| Noncurrent loans to loans | 0.6614% | 3,695 |
| Net loans and leases to total assets | 67.4309% | 2,660 |
| Net loans and leases to deposits | 79.5081% | 2,784 |
| Net loans and leases to core deposits | 80.3207% | 3,257 |
| Total domestic deposits to total assets | 84.8101% | 3,366 |
| Equity capital to assets | 14.2395% | 891 |
| Core capital (leverage) ratio | 13.5957% | 943 |
| Tier 1 risk-based capital ratio | 17.6459% | 2,264 |
| Total risk-based capital ratio | 18.9017% | 2,231 |
| Memoranda: | ||
| Average total assets | $482,380,200 | 1,381 |
| Average earning assets | $409,260,800 | 1,497 |
| Average equity | $64,854,000 | 1,133 |
| Average total loans | $336,279,000 | 1,297 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8632% | 1,004 |
| Cost of funding earning assets | 0.3988% | 3,798 |
| Net interest margin | 4.4644% | 798 |
| Noninterest income to average assets | 0.9635% | 1,327 |
| Noninterest expense to average assets | 3.2089% | 2,146 |
| Loan and lease loss provision to assets | 0.0818% | 2,715 |
| Net operating income to assets | 0.9519% | 2,675 |
| Return on assets (ROA) | 0.9507% | 2,765 |
| Pretax return on assets | 1.4728% | 1,734 |
| Return on Equity (ROE) | 7.1702% | 3,623 |
| Retained earnings to average equity (ytd only) | 3.0553% | 4,440 |
| Net charge-offs to loans | 0.2297% | 1,668 |
| Credit loss provision to net charge-offs | 50.9338% | 3,084 |
| Earnings coverage of net charge-offs (x) | 9.6877% | 2,638 |
| Efficiency ratio | 66.5465% | 4,127 |
| Assets per employee ($millions) | 4.2614% | 3,358 |
| Cash dividends to net income (ytd only)* | 57.3888% | 1,501 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7929% | 1,705 |
| Loan loss allowance to noncurrent loans | 109.4323% | 3,438 |
| Noncurrent assets plus other real estate owned to assets | 4.4561% | 409 |
| Noncurrent loans to loans | 1.6384% | 1,989 |
| Net loans and leases to total assets | 70.4976% | 2,112 |
| Net loans and leases to deposits | 85.8849% | 1,914 |
| Net loans and leases to core deposits | 86.8361% | 2,565 |
| Total domestic deposits to total assets | 82.0838% | 4,452 |
| Equity capital to assets | 13.9728% | 1,016 |
| Core capital (leverage) ratio | 13.3654% | 1,041 |
| Tier 1 risk-based capital ratio | 17.2218% | 2,513 |
| Total risk-based capital ratio | 18.4769% | 2,474 |
| Memoranda: | ||
| Average total assets | $488,759,750 | 1,375 |
| Average earning assets | $416,230,000 | 1,485 |
| Average equity | $64,803,750 | 1,141 |
| Average total loans | $341,837,500 | 1,288 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7760% | 1,115 |
| Cost of funding earning assets | 0.4189% | 3,675 |
| Net interest margin | 4.3572% | 929 |
| Noninterest income to average assets | 0.9975% | 1,209 |
| Noninterest expense to average assets | 3.2307% | 2,102 |
| Loan and lease loss provision to assets | 0.1211% | 2,026 |
| Net operating income to assets | 0.8795% | 2,907 |
| Return on assets (ROA) | 0.8776% | 3,006 |
| Pretax return on assets | 1.3552% | 2,060 |
| Return on Equity (ROE) | 6.7335% | 3,764 |
| Retained earnings to average equity (ytd only) | 3.6362% | 3,873 |
| Net charge-offs to loans | 0.2951% | 1,363 |
| Credit loss provision to net charge-offs | 59.1716% | 2,657 |
| Earnings coverage of net charge-offs (x) | 7.2268% | 2,661 |
| Efficiency ratio | 67.8066% | 4,041 |
| Assets per employee ($millions) | 4.3153% | 3,239 |
| Cash dividends to net income (ytd only)* | 45.9982% | 2,101 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7846% | 1,880 |
| Loan loss allowance to noncurrent loans | 140.3489% | 2,856 |
| Noncurrent assets plus other real estate owned to assets | 4.2726% | 471 |
| Noncurrent loans to loans | 1.2716% | 2,681 |
| Net loans and leases to total assets | 69.6305% | 2,137 |
| Net loans and leases to deposits | 84.0886% | 2,029 |
| Net loans and leases to core deposits | 84.9832% | 2,620 |
| Total domestic deposits to total assets | 82.8062% | 4,381 |
| Equity capital to assets | 13.4860% | 1,161 |
| Core capital (leverage) ratio | 12.8787% | 1,211 |
| Tier 1 risk-based capital ratio | 17.0150% | 2,611 |
| Total risk-based capital ratio | 18.2706% | 2,568 |
| Memoranda: | ||
| Average total assets | $495,428,000 | 1,354 |
| Average earning assets | $422,106,670 | 1,463 |
| Average equity | $64,572,330 | 1,134 |
| Average total loans | $343,618,670 | 1,279 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7353% | 1,181 |
| Cost of funding earning assets | 0.4582% | 3,333 |
| Net interest margin | 4.2771% | 1,049 |
| Noninterest income to average assets | 1.0505% | 1,013 |
| Noninterest expense to average assets | 3.2400% | 2,102 |
| Loan and lease loss provision to assets | 0.1994% | 1,170 |
| Net operating income to assets | 0.8168% | 3,064 |
| Return on assets (ROA) | 0.8168% | 3,137 |
| Pretax return on assets | 1.2595% | 2,250 |
| Return on Equity (ROE) | 6.3732% | 3,817 |
| Retained earnings to average equity (ytd only) | 6.3732% | 2,342 |
| Net charge-offs to loans | 0.0244% | 3,081 |
| Credit loss provision to net charge-offs | 1,190.4762% | 275 |
| Earnings coverage of net charge-offs (x) | 87.0952% | 511 |
| Efficiency ratio | 68.1718% | 4,153 |
| Assets per employee ($millions) | 4.2520% | 3,438 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8539% | 1,888 |
| Loan loss allowance to noncurrent loans | 100.5526% | 3,594 |
| Noncurrent assets plus other real estate owned to assets | 4.8589% | 434 |
| Noncurrent loans to loans | 1.8437% | 2,081 |
| Net loans and leases to total assets | 70.3141% | 1,833 |
| Net loans and leases to deposits | 85.8321% | 1,625 |
| Net loans and leases to core deposits | 86.7703% | 2,229 |
| Total domestic deposits to total assets | 81.9205% | 4,964 |
| Equity capital to assets | 13.1458% | 1,234 |
| Core capital (leverage) ratio | 12.5688% | 1,357 |
| Tier 1 risk-based capital ratio | 16.5002% | 2,894 |
| Total risk-based capital ratio | 17.7509% | 2,866 |
| Memoranda: | ||
| Average total assets | $501,488,000 | 1,348 |
| Average earning assets | $427,761,500 | 1,454 |
| Average equity | $64,269,000 | 1,136 |
| Average total loans | $344,105,500 | 1,275 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4403% | 403 |
| Cost of funding earning assets | 0.6002% | 2,655 |
| Net interest margin | 4.8401% | 399 |
| Noninterest income to average assets | 0.5290% | 3,560 |
| Noninterest expense to average assets | 3.2614% | 2,246 |
| Loan and lease loss provision to assets | 0.3578% | 876 |
| Net operating income to assets | 0.6848% | 3,875 |
| Return on assets (ROA) | 0.6839% | 3,973 |
| Pretax return on assets | 1.0285% | 3,233 |
| Return on Equity (ROE) | 4.8524% | 4,695 |
| Retained earnings to average equity (ytd only) | 2.4800% | 4,491 |
| Net charge-offs to loans | 0.4495% | 1,472 |
| Credit loss provision to net charge-offs | 108.5193% | 2,214 |
| Earnings coverage of net charge-offs (x) | 4.2089% | 3,637 |
| Efficiency ratio | 69.5196% | 3,918 |
| Assets per employee ($millions) | 4.3198% | 3,233 |
| Cash dividends to net income (ytd only)* | 48.8918% | 2,328 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8880% | 1,808 |
| Loan loss allowance to noncurrent loans | 104.7730% | 3,505 |
| Noncurrent assets plus other real estate owned to assets | 4.3581% | 589 |
| Noncurrent loans to loans | 1.8020% | 2,232 |
| Net loans and leases to total assets | 64.4493% | 2,962 |
| Net loans and leases to deposits | 79.2286% | 2,560 |
| Net loans and leases to core deposits | 80.1913% | 3,109 |
| Total domestic deposits to total assets | 81.3459% | 5,087 |
| Equity capital to assets | 12.4962% | 1,511 |
| Core capital (leverage) ratio | 11.9315% | 1,654 |
| Tier 1 risk-based capital ratio | 16.7952% | 2,715 |
| Total risk-based capital ratio | 18.0459% | 2,668 |
| Memoranda: | ||
| Average total assets | $448,604,200 | 1,482 |
| Average earning assets | $381,871,000 | 1,586 |
| Average equity | $63,226,200 | 1,134 |
| Average total loans | $329,029,000 | 1,297 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7341% | 263 |
| Cost of funding earning assets | 0.6498% | 2,361 |
| Net interest margin | 5.0843% | 270 |
| Noninterest income to average assets | 0.4575% | 4,100 |
| Noninterest expense to average assets | 3.3102% | 2,054 |
| Loan and lease loss provision to assets | 0.3554% | 894 |
| Net operating income to assets | 0.7396% | 3,648 |
| Return on assets (ROA) | 0.7400% | 3,775 |
| Pretax return on assets | 1.1139% | 3,050 |
| Return on Equity (ROE) | 5.0811% | 4,684 |
| Retained earnings to average equity (ytd only) | 5.0811% | 3,019 |
| Net charge-offs to loans | 0.3517% | 1,788 |
| Credit loss provision to net charge-offs | 133.6806% | 1,763 |
| Earnings coverage of net charge-offs (x) | 5.5243% | 3,169 |
| Efficiency ratio | 68.6562% | 3,964 |
| Assets per employee ($millions) | 4.3801% | 3,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8977% | 2,010 |
| Loan loss allowance to noncurrent loans | 52.8300% | 5,108 |
| Noncurrent assets plus other real estate owned to assets | 6.2868% | 359 |
| Noncurrent loans to loans | 3.5922% | 1,050 |
| Net loans and leases to total assets | 73.6155% | 1,345 |
| Net loans and leases to deposits | 91.2512% | 1,040 |
| Net loans and leases to core deposits | 92.4308% | 1,728 |
| Total domestic deposits to total assets | 80.6734% | 5,311 |
| Equity capital to assets | 14.0874% | 942 |
| Core capital (leverage) ratio | 13.8940% | 893 |
| Tier 1 risk-based capital ratio | 17.6740% | 2,449 |
| Total risk-based capital ratio | 18.9231% | 2,415 |
| Memoranda: | ||
| Average total assets | $433,320,500 | 1,538 |
| Average earning assets | $368,287,750 | 1,648 |
| Average equity | $63,108,250 | 1,152 |
| Average total loans | $327,575,000 | 1,302 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7957% | 243 |
| Cost of funding earning assets | 0.6912% | 2,136 |
| Net interest margin | 5.1045% | 254 |
| Noninterest income to average assets | 0.4306% | 4,302 |
| Noninterest expense to average assets | 3.3072% | 2,052 |
| Loan and lease loss provision to assets | 0.5424% | 491 |
| Net operating income to assets | 0.6225% | 4,189 |
| Return on assets (ROA) | 0.6231% | 4,342 |
| Pretax return on assets | 0.9204% | 3,833 |
| Return on Equity (ROE) | 4.2292% | 5,120 |
| Retained earnings to average equity (ytd only) | 4.2292% | 3,603 |
| Net charge-offs to loans | 0.4770% | 1,386 |
| Credit loss provision to net charge-offs | 150.0000% | 1,535 |
| Earnings coverage of net charge-offs (x) | 4.0429% | 3,231 |
| Efficiency ratio | 68.7475% | 4,051 |
| Assets per employee ($millions) | 4.3950% | 2,998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8949% | 2,127 |
| Loan loss allowance to noncurrent loans | 48.8895% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 6.5241% | 384 |
| Noncurrent loans to loans | 3.8759% | 1,029 |
| Net loans and leases to total assets | 73.8425% | 1,277 |
| Net loans and leases to deposits | 92.6292% | 912 |
| Net loans and leases to core deposits | 93.9743% | 1,521 |
| Total domestic deposits to total assets | 79.7184% | 5,665 |
| Equity capital to assets | 13.6555% | 1,071 |
| Core capital (leverage) ratio | 13.4659% | 988 |
| Tier 1 risk-based capital ratio | 16.8118% | 2,782 |
| Total risk-based capital ratio | 18.0682% | 2,753 |
| Memoranda: | ||
| Average total assets | $425,918,000 | 1,564 |
| Average earning assets | $361,993,670 | 1,672 |
| Average equity | $62,753,670 | 1,164 |
| Average total loans | $322,824,670 | 1,314 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6343% | 300 |
| Cost of funding earning assets | 0.7418% | 1,907 |
| Net interest margin | 4.8925% | 340 |
| Noninterest income to average assets | 0.6400% | 2,932 |
| Noninterest expense to average assets | 3.1470% | 2,522 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.0937% | 1,881 |
| Return on assets (ROA) | 1.0937% | 1,988 |
| Pretax return on assets | 1.6426% | 1,208 |
| Return on Equity (ROE) | 7.1285% | 3,423 |
| Retained earnings to average equity (ytd only) | 7.1285% | 2,099 |
| Net charge-offs to loans | 0.3439% | 1,615 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 6.2772% | 2,244 |
| Efficiency ratio | 65.1524% | 4,803 |
| Assets per employee ($millions) | 4.7999% | 2,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9435% | 2,189 |
| Loan loss allowance to noncurrent loans | 45.9434% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 6.6723% | 441 |
| Noncurrent loans to loans | 4.2303% | 1,031 |
| Net loans and leases to total assets | 74.1916% | 1,047 |
| Net loans and leases to deposits | 99.1311% | 387 |
| Net loans and leases to core deposits | 100.2127% | 935 |
| Total domestic deposits to total assets | 74.8419% | 6,470 |
| Equity capital to assets | 15.6826% | 610 |
| Core capital (leverage) ratio | 15.4072% | 524 |
| Tier 1 risk-based capital ratio | 19.1603% | 1,991 |
| Total risk-based capital ratio | 20.4104% | 1,969 |
| Memoranda: | ||
| Average total assets | $408,138,500 | 1,644 |
| Average earning assets | $346,164,000 | 1,752 |
| Average equity | $62,622,000 | 1,180 |
| Average total loans | $310,563,000 | 1,372 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9053% | 309 |
| Cost of funding earning assets | 0.9129% | 1,862 |
| Net interest margin | 4.9924% | 391 |
| Noninterest income to average assets | 0.0652% | 6,639 |
| Noninterest expense to average assets | 2.8445% | 3,861 |
| Loan and lease loss provision to assets | 0.4215% | 1,509 |
| Net operating income to assets | 0.8083% | 3,249 |
| Return on assets (ROA) | 0.8377% | 3,359 |
| Pretax return on assets | 1.0451% | 3,371 |
| Return on Equity (ROE) | 5.7834% | 4,265 |
| Retained earnings to average equity (ytd only) | 4.1469% | 3,309 |
| Net charge-offs to loans | 0.5934% | 1,951 |
| Credit loss provision to net charge-offs | 95.4375% | 3,256 |
| Earnings coverage of net charge-offs (x) | 3.2378% | 3,807 |
| Efficiency ratio | 65.8496% | 4,533 |
| Assets per employee ($millions) | 4.8033% | 2,489 |
| Cash dividends to net income (ytd only)* | 28.2965% | 3,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9604% | 2,129 |
| Loan loss allowance to noncurrent loans | 40.8007% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 6.7458% | 468 |
| Noncurrent loans to loans | 4.8047% | 851 |
| Net loans and leases to total assets | 75.0127% | 1,048 |
| Net loans and leases to deposits | 101.8097% | 334 |
| Net loans and leases to core deposits | 103.1261% | 830 |
| Total domestic deposits to total assets | 73.6793% | 6,561 |
| Equity capital to assets | 15.0121% | 729 |
| Core capital (leverage) ratio | 14.7500% | 614 |
| Tier 1 risk-based capital ratio | 18.4890% | 2,106 |
| Total risk-based capital ratio | 19.7424% | 2,072 |
| Memoranda: | ||
| Average total assets | $421,867,200 | 1,557 |
| Average earning assets | $355,680,600 | 1,673 |
| Average equity | $61,106,200 | 1,168 |
| Average total loans | $313,943,600 | 1,337 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7420% | 429 |
| Cost of funding earning assets | 0.9549% | 1,827 |
| Net interest margin | 4.7870% | 572 |
| Noninterest income to average assets | 0.3138% | 5,274 |
| Noninterest expense to average assets | 2.8306% | 3,869 |
| Loan and lease loss provision to assets | 0.4506% | 1,391 |
| Net operating income to assets | 0.7298% | 3,775 |
| Return on assets (ROA) | 0.7474% | 3,952 |
| Pretax return on assets | 1.0882% | 3,395 |
| Return on Equity (ROE) | 5.2058% | 4,722 |
| Retained earnings to average equity (ytd only) | 5.2058% | 3,217 |
| Net charge-offs to loans | 0.6015% | 1,830 |
| Credit loss provision to net charge-offs | 101.3437% | 2,911 |
| Earnings coverage of net charge-offs (x) | 3.4038% | 3,660 |
| Efficiency ratio | 64.4615% | 4,724 |
| Assets per employee ($millions) | 4.7111% | 2,585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9988% | 2,168 |
| Loan loss allowance to noncurrent loans | 42.6252% | 5,514 |
| Noncurrent assets plus other real estate owned to assets | 7.0365% | 514 |
| Noncurrent loans to loans | 4.6893% | 994 |
| Net loans and leases to total assets | 74.5053% | 1,172 |
| Net loans and leases to deposits | 101.6323% | 371 |
| Net loans and leases to core deposits | 103.1515% | 924 |
| Total domestic deposits to total assets | 73.3087% | 6,655 |
| Equity capital to assets | 14.9510% | 834 |
| Core capital (leverage) ratio | 14.6469% | 677 |
| Tier 1 risk-based capital ratio | 18.4452% | 2,186 |
| Total risk-based capital ratio | 19.7064% | 2,147 |
| Memoranda: | ||
| Average total assets | $424,062,500 | 1,565 |
| Average earning assets | $357,012,500 | 1,691 |
| Average equity | $60,879,500 | 1,179 |
| Average total loans | $313,413,750 | 1,351 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8400% | 379 |
| Cost of funding earning assets | 0.9970% | 1,779 |
| Net interest margin | 4.8430% | 520 |
| Noninterest income to average assets | 0.2476% | 5,808 |
| Noninterest expense to average assets | 2.8046% | 4,003 |
| Loan and lease loss provision to assets | 0.4639% | 1,378 |
| Net operating income to assets | 0.7102% | 3,814 |
| Return on assets (ROA) | 0.7364% | 3,939 |
| Pretax return on assets | 1.0716% | 3,409 |
| Return on Equity (ROE) | 5.1990% | 4,709 |
| Retained earnings to average equity (ytd only) | 5.1990% | 3,155 |
| Net charge-offs to loans | 0.5358% | 1,989 |
| Credit loss provision to net charge-offs | 118.2578% | 2,326 |
| Earnings coverage of net charge-offs (x) | 3.8174% | 3,258 |
| Efficiency ratio | 64.4831% | 4,804 |
| Assets per employee ($millions) | 4.7716% | 2,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0768% | 2,044 |
| Loan loss allowance to noncurrent loans | 40.0274% | 5,653 |
| Noncurrent assets plus other real estate owned to assets | 7.5968% | 474 |
| Noncurrent loans to loans | 5.1886% | 928 |
| Net loans and leases to total assets | 72.2467% | 1,523 |
| Net loans and leases to deposits | 100.6546% | 396 |
| Net loans and leases to core deposits | 102.2295% | 968 |
| Total domestic deposits to total assets | 71.7768% | 6,812 |
| Equity capital to assets | 14.6128% | 885 |
| Core capital (leverage) ratio | 14.2571% | 746 |
| Tier 1 risk-based capital ratio | 17.4332% | 2,496 |
| Total risk-based capital ratio | 18.6733% | 2,466 |
| Memoranda: | ||
| Average total assets | $427,223,000 | 1,562 |
| Average earning assets | $357,673,000 | 1,690 |
| Average equity | $60,511,330 | 1,181 |
| Average total loans | $312,823,330 | 1,352 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7106% | 505 |
| Cost of funding earning assets | 1.0657% | 1,586 |
| Net interest margin | 4.6450% | 753 |
| Noninterest income to average assets | 0.3175% | 5,336 |
| Noninterest expense to average assets | 2.8899% | 3,664 |
| Loan and lease loss provision to assets | 0.2878% | 2,159 |
| Net operating income to assets | 0.6887% | 3,936 |
| Return on assets (ROA) | 0.7399% | 3,914 |
| Pretax return on assets | 1.0834% | 3,391 |
| Return on Equity (ROE) | 5.3056% | 4,642 |
| Retained earnings to average equity (ytd only) | 5.3056% | 3,376 |
| Net charge-offs to loans | 0.3754% | 2,179 |
| Credit loss provision to net charge-offs | 105.0847% | 2,202 |
| Earnings coverage of net charge-offs (x) | 4.7322% | 2,510 |
| Efficiency ratio | 68.3300% | 4,111 |
| Assets per employee ($millions) | 4.6971% | 2,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0146% | 2,313 |
| Loan loss allowance to noncurrent loans | 36.9419% | 5,801 |
| Noncurrent assets plus other real estate owned to assets | 8.1588% | 459 |
| Noncurrent loans to loans | 5.4534% | 981 |
| Net loans and leases to total assets | 71.6424% | 1,466 |
| Net loans and leases to deposits | 106.4586% | 197 |
| Net loans and leases to core deposits | 108.6347% | 582 |
| Total domestic deposits to total assets | 67.2961% | 7,075 |
| Equity capital to assets | 14.1492% | 968 |
| Core capital (leverage) ratio | 13.8128% | 854 |
| Tier 1 risk-based capital ratio | 17.5671% | 2,455 |
| Total risk-based capital ratio | 18.8277% | 2,420 |
| Memoranda: | ||
| Average total assets | $430,885,000 | 1,543 |
| Average earning assets | $358,840,000 | 1,688 |
| Average equity | $60,087,500 | 1,184 |
| Average total loans | $314,336,500 | 1,354 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3890% | 217 |
| Cost of funding earning assets | 1.1895% | 2,093 |
| Net interest margin | 5.1995% | 286 |
| Noninterest income to average assets | 0.1666% | 6,296 |
| Noninterest expense to average assets | 2.8480% | 4,170 |
| Loan and lease loss provision to assets | 0.9653% | 995 |
| Net operating income to assets | 0.5048% | 4,407 |
| Return on assets (ROA) | 0.5308% | 4,500 |
| Pretax return on assets | 0.7506% | 4,153 |
| Return on Equity (ROE) | 4.4637% | 4,644 |
| Retained earnings to average equity (ytd only) | -0.5130% | 5,936 |
| Net charge-offs to loans | 0.5315% | 2,877 |
| Credit loss provision to net charge-offs | 252.8921% | 954 |
| Earnings coverage of net charge-offs (x) | 4.3995% | 3,129 |
| Efficiency ratio | 61.0025% | 5,604 |
| Assets per employee ($millions) | 4.7210% | 2,558 |
| Cash dividends to net income (ytd only)* | 111.4923% | 244 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7757% | 2,947 |
| Loan loss allowance to noncurrent loans | 32.8862% | 6,016 |
| Noncurrent assets plus other real estate owned to assets | 8.5488% | 441 |
| Noncurrent loans to loans | 5.3997% | 992 |
| Net loans and leases to total assets | 71.4974% | 1,730 |
| Net loans and leases to deposits | 106.3428% | 236 |
| Net loans and leases to core deposits | 108.0313% | 701 |
| Total domestic deposits to total assets | 67.2329% | 7,099 |
| Equity capital to assets | 13.7443% | 1,153 |
| Core capital (leverage) ratio | 13.3627% | 1,018 |
| Tier 1 risk-based capital ratio | 17.2605% | 2,485 |
| Total risk-based capital ratio | 18.5157% | 2,453 |
| Memoranda: | ||
| Average total assets | $439,354,600 | 1,486 |
| Average earning assets | $368,477,600 | 1,606 |
| Average equity | $52,243,600 | 1,305 |
| Average total loans | $315,543,400 | 1,344 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5949% | 168 |
| Cost of funding earning assets | 1.2089% | 2,265 |
| Net interest margin | 5.3860% | 211 |
| Noninterest income to average assets | -0.0990% | 7,208 |
| Noninterest expense to average assets | 2.7718% | 4,455 |
| Loan and lease loss provision to assets | 0.4624% | 2,143 |
| Net operating income to assets | 0.8008% | 3,161 |
| Return on assets (ROA) | 0.8340% | 3,169 |
| Pretax return on assets | 1.2331% | 2,512 |
| Return on Equity (ROE) | 7.2936% | 3,383 |
| Retained earnings to average equity (ytd only) | 0.4128% | 5,828 |
| Net charge-offs to loans | 0.1970% | 4,222 |
| Credit loss provision to net charge-offs | 327.8970% | 855 |
| Earnings coverage of net charge-offs (x) | 11.6781% | 1,787 |
| Efficiency ratio | 61.4231% | 5,495 |
| Assets per employee ($millions) | 4.8687% | 2,373 |
| Cash dividends to net income (ytd only)* | 94.3397% | 364 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3303% | 4,870 |
| Loan loss allowance to noncurrent loans | 100.1939% | 2,950 |
| Noncurrent assets plus other real estate owned to assets | 4.5282% | 1,326 |
| Noncurrent loans to loans | 1.3277% | 4,314 |
| Net loans and leases to total assets | 66.2764% | 2,834 |
| Net loans and leases to deposits | 92.6670% | 949 |
| Net loans and leases to core deposits | 94.2650% | 1,769 |
| Total domestic deposits to total assets | 71.5211% | 6,964 |
| Equity capital to assets | 13.4167% | 1,406 |
| Core capital (leverage) ratio | 13.0084% | 1,230 |
| Tier 1 risk-based capital ratio | 18.0125% | 2,247 |
| Total risk-based capital ratio | 19.2556% | 2,213 |
| Memoranda: | ||
| Average total assets | $440,610,250 | 1,492 |
| Average earning assets | $369,569,000 | 1,614 |
| Average equity | $50,380,500 | 1,356 |
| Average total loans | $315,391,750 | 1,360 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5575% | 188 |
| Cost of funding earning assets | 1.2403% | 2,321 |
| Net interest margin | 5.3171% | 238 |
| Noninterest income to average assets | 0.0355% | 7,099 |
| Noninterest expense to average assets | 2.8442% | 4,252 |
| Loan and lease loss provision to assets | 0.3794% | 2,516 |
| Net operating income to assets | 0.8338% | 2,930 |
| Return on assets (ROA) | 0.8461% | 2,972 |
| Pretax return on assets | 1.2504% | 2,307 |
| Return on Equity (ROE) | 7.8858% | 2,989 |
| Retained earnings to average equity (ytd only) | -3.2997% | 6,405 |
| Net charge-offs to loans | 0.0290% | 5,427 |
| Credit loss provision to net charge-offs | 1,786.9565% | 192 |
| Earnings coverage of net charge-offs (x) | 75.9130% | 450 |
| Efficiency ratio | 62.3990% | 5,522 |
| Assets per employee ($millions) | 4.5237% | 2,795 |
| Cash dividends to net income (ytd only)* | 141.8440% | 212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 5,274 |
| Loan loss allowance to noncurrent loans | 53.4003% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 5.7075% | 1,014 |
| Noncurrent loans to loans | 2.3534% | 3,041 |
| Net loans and leases to total assets | 71.9268% | 1,800 |
| Net loans and leases to deposits | 98.4844% | 568 |
| Net loans and leases to core deposits | 100.1318% | 1,331 |
| Total domestic deposits to total assets | 73.0337% | 6,919 |
| Equity capital to assets | 10.7383% | 3,244 |
| Core capital (leverage) ratio | 10.3522% | 2,880 |
| Tier 1 risk-based capital ratio | 13.8664% | 4,257 |
| Total risk-based capital ratio | 15.0979% | 4,242 |
| Memoranda: | ||
| Average total assets | $433,304,330 | 1,529 |
| Average earning assets | $360,230,670 | 1,660 |
| Average equity | $46,488,670 | 1,453 |
| Average total loans | $316,962,330 | 1,365 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3386% | 84 |
| Cost of funding earning assets | 1.2756% | 2,334 |
| Net interest margin | 6.0630% | 93 |
| Noninterest income to average assets | -0.3181% | 7,460 |
| Noninterest expense to average assets | 2.8721% | 4,176 |
| Loan and lease loss provision to assets | 0.4726% | 1,856 |
| Net operating income to assets | 0.9047% | 2,541 |
| Return on assets (ROA) | 0.9047% | 2,603 |
| Pretax return on assets | 1.3450% | 1,896 |
| Return on Equity (ROE) | 8.4357% | 2,730 |
| Retained earnings to average equity (ytd only) | -0.9944% | 5,987 |
| Net charge-offs to loans | 0.0652% | 4,274 |
| Credit loss provision to net charge-offs | 988.4615% | 393 |
| Earnings coverage of net charge-offs (x) | 38.0192% | 708 |
| Efficiency ratio | 59.6354% | 6,036 |
| Assets per employee ($millions) | 4.6596% | 2,643 |
| Cash dividends to net income (ytd only)* | 111.7886% | 515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 5,503 |
| Loan loss allowance to noncurrent loans | 41.9660% | 5,504 |
| Noncurrent assets plus other real estate owned to assets | 6.8263% | 797 |
| Noncurrent loans to loans | 2.9196% | 2,573 |
| Net loans and leases to total assets | 71.8580% | 1,748 |
| Net loans and leases to deposits | 98.4528% | 549 |
| Net loans and leases to core deposits | 100.1323% | 1,327 |
| Total domestic deposits to total assets | 72.9873% | 7,002 |
| Equity capital to assets | 10.8853% | 2,791 |
| Core capital (leverage) ratio | 10.5001% | 2,611 |
| Tier 1 risk-based capital ratio | 13.9781% | 4,086 |
| Total risk-based capital ratio | 15.1699% | 4,101 |
| Memoranda: | ||
| Average total assets | $435,081,000 | 1,527 |
| Average earning assets | $359,358,000 | 1,675 |
| Average equity | $46,659,000 | 1,438 |
| Average total loans | $318,923,500 | 1,369 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9768% | 886 |
| Cost of funding earning assets | 1.4409% | 3,014 |
| Net interest margin | 4.5359% | 1,161 |
| Noninterest income to average assets | 1.7229% | 505 |
| Noninterest expense to average assets | 3.3159% | 2,684 |
| Loan and lease loss provision to assets | 0.6242% | 2,641 |
| Net operating income to assets | 1.1185% | 1,645 |
| Return on assets (ROA) | 1.1713% | 1,557 |
| Pretax return on assets | 1.7343% | 884 |
| Return on Equity (ROE) | 11.4909% | 1,456 |
| Retained earnings to average equity (ytd only) | 11.4909% | 329 |
| Net charge-offs to loans | 0.5968% | 3,243 |
| Credit loss provision to net charge-offs | 138.6422% | 2,749 |
| Earnings coverage of net charge-offs (x) | 5.0664% | 2,721 |
| Efficiency ratio | 56.4753% | 6,534 |
| Assets per employee ($millions) | 4.6472% | 2,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0335% | 6,224 |
| Loan loss allowance to noncurrent loans | 27.3769% | 6,452 |
| Noncurrent assets plus other real estate owned to assets | 7.2952% | 732 |
| Noncurrent loans to loans | 3.7750% | 1,962 |
| Net loans and leases to total assets | 73.0757% | 1,855 |
| Net loans and leases to deposits | 101.6773% | 495 |
| Net loans and leases to core deposits | 103.3095% | 1,366 |
| Total domestic deposits to total assets | 71.8702% | 7,092 |
| Equity capital to assets | 10.5678% | 3,090 |
| Core capital (leverage) ratio | 10.1917% | 2,872 |
| Tier 1 risk-based capital ratio | 13.8198% | 3,984 |
| Total risk-based capital ratio | 14.8589% | 4,095 |
| Memoranda: | ||
| Average total assets | $435,149,200 | 1,534 |
| Average earning assets | $371,638,200 | 1,620 |
| Average equity | $44,356,800 | 1,509 |
| Average total loans | $328,232,600 | 1,363 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9529% | 1,027 |
| Cost of funding earning assets | 1.4415% | 3,321 |
| Net interest margin | 4.5115% | 1,234 |
| Noninterest income to average assets | 1.9346% | 395 |
| Noninterest expense to average assets | 3.3999% | 2,292 |
| Loan and lease loss provision to assets | 0.6775% | 2,253 |
| Net operating income to assets | 1.1840% | 1,641 |
| Return on assets (ROA) | 1.2547% | 1,533 |
| Pretax return on assets | 1.8543% | 842 |
| Return on Equity (ROE) | 12.4248% | 1,401 |
| Retained earnings to average equity (ytd only) | 12.4248% | 412 |
| Net charge-offs to loans | 0.7680% | 2,508 |
| Credit loss provision to net charge-offs | 116.3147% | 3,584 |
| Earnings coverage of net charge-offs (x) | 4.1684% | 3,164 |
| Efficiency ratio | 55.2741% | 6,651 |
| Assets per employee ($millions) | 4.8368% | 2,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9452% | 6,592 |
| Loan loss allowance to noncurrent loans | 25.4321% | 6,613 |
| Noncurrent assets plus other real estate owned to assets | 5.5283% | 1,115 |
| Noncurrent loans to loans | 3.7166% | 2,093 |
| Net loans and leases to total assets | 75.5136% | 1,491 |
| Net loans and leases to deposits | 101.3320% | 565 |
| Net loans and leases to core deposits | 103.0229% | 1,566 |
| Total domestic deposits to total assets | 74.5210% | 6,852 |
| Equity capital to assets | 10.0024% | 4,154 |
| Core capital (leverage) ratio | 9.5888% | 3,782 |
| Tier 1 risk-based capital ratio | 13.5620% | 4,154 |
| Total risk-based capital ratio | 14.5858% | 4,289 |
| Memoranda: | ||
| Average total assets | $433,566,000 | 1,563 |
| Average earning assets | $374,147,750 | 1,634 |
| Average equity | $43,782,250 | 1,524 |
| Average total loans | $328,794,500 | 1,374 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6969% | 1,776 |
| Cost of funding earning assets | 1.4065% | 3,836 |
| Net interest margin | 4.2905% | 1,815 |
| Noninterest income to average assets | 2.2766% | 292 |
| Noninterest expense to average assets | 3.0721% | 3,424 |
| Loan and lease loss provision to assets | 0.7606% | 1,888 |
| Net operating income to assets | 1.4465% | 1,000 |
| Return on assets (ROA) | 1.4450% | 1,070 |
| Pretax return on assets | 2.1919% | 410 |
| Return on Equity (ROE) | 14.2604% | 982 |
| Retained earnings to average equity (ytd only) | 14.2604% | 295 |
| Net charge-offs to loans | 0.6467% | 2,604 |
| Credit loss provision to net charge-offs | 155.3846% | 2,534 |
| Earnings coverage of net charge-offs (x) | 6.0365% | 2,542 |
| Efficiency ratio | 49.7618% | 7,241 |
| Assets per employee ($millions) | 5.0633% | 2,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0888% | 5,993 |
| Loan loss allowance to noncurrent loans | 47.4050% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 3.8595% | 1,797 |
| Noncurrent loans to loans | 2.2969% | 3,377 |
| Net loans and leases to total assets | 73.9131% | 1,927 |
| Net loans and leases to deposits | 97.3110% | 933 |
| Net loans and leases to core deposits | 98.7559% | 2,147 |
| Total domestic deposits to total assets | 75.9556% | 6,707 |
| Equity capital to assets | 9.2833% | 5,028 |
| Core capital (leverage) ratio | 8.7505% | 5,008 |
| Tier 1 risk-based capital ratio | 10.7467% | 6,484 |
| Total risk-based capital ratio | 11.7518% | 6,669 |
| Memoranda: | ||
| Average total assets | $424,924,000 | 1,605 |
| Average earning assets | $371,428,670 | 1,665 |
| Average equity | $43,056,330 | 1,544 |
| Average total loans | $321,629,330 | 1,424 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5336% | 2,439 |
| Cost of funding earning assets | 1.3344% | 4,601 |
| Net interest margin | 4.1993% | 2,044 |
| Noninterest income to average assets | 0.7658% | 2,200 |
| Noninterest expense to average assets | 3.0369% | 3,537 |
| Loan and lease loss provision to assets | 1.6280% | 708 |
| Net operating income to assets | -0.0172% | 6,332 |
| Return on assets (ROA) | -0.0172% | 6,422 |
| Pretax return on assets | -0.1420% | 6,498 |
| Return on Equity (ROE) | -0.1618% | 6,429 |
| Retained earnings to average equity (ytd only) | -0.1618% | 5,869 |
| Net charge-offs to loans | 1.0584% | 1,573 |
| Credit loss provision to net charge-offs | 201.6332% | 1,837 |
| Earnings coverage of net charge-offs (x) | 1.8405% | 3,633 |
| Efficiency ratio | 65.7098% | 5,179 |
| Assets per employee ($millions) | 4.3004% | 3,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4119% | 4,355 |
| Loan loss allowance to noncurrent loans | 146.8443% | 1,899 |
| Noncurrent assets plus other real estate owned to assets | 2.3504% | 3,092 |
| Noncurrent loans to loans | 0.9615% | 5,413 |
| Net loans and leases to total assets | 76.4047% | 1,453 |
| Net loans and leases to deposits | 110.3889% | 280 |
| Net loans and leases to core deposits | 113.6931% | 1,053 |
| Total domestic deposits to total assets | 69.2142% | 7,462 |
| Equity capital to assets | 10.9942% | 2,770 |
| Core capital (leverage) ratio | 10.3899% | 2,728 |
| Tier 1 risk-based capital ratio | 12.3260% | 4,880 |
| Total risk-based capital ratio | 13.5768% | 4,837 |
| Memoranda: | ||
| Average total assets | $394,346,500 | 1,750 |
| Average earning assets | $352,823,500 | 1,769 |
| Average equity | $42,022,500 | 1,589 |
| Average total loans | $300,828,500 | 1,562 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8397% | 2,487 |
| Cost of funding earning assets | 1.7861% | 4,067 |
| Net interest margin | 4.0535% | 2,637 |
| Noninterest income to average assets | 0.4321% | 4,939 |
| Noninterest expense to average assets | 2.8132% | 4,919 |
| Loan and lease loss provision to assets | 0.4838% | 3,948 |
| Net operating income to assets | 0.5403% | 3,571 |
| Return on assets (ROA) | 0.6343% | 3,257 |
| Pretax return on assets | 0.8850% | 2,970 |
| Return on Equity (ROE) | 6.0287% | 3,198 |
| Retained earnings to average equity (ytd only) | 4.8044% | 1,922 |
| Net charge-offs to loans | 0.2193% | 5,248 |
| Credit loss provision to net charge-offs | 286.7176% | 1,173 |
| Earnings coverage of net charge-offs (x) | 7.3374% | 2,174 |
| Efficiency ratio | 67.6375% | 5,073 |
| Assets per employee ($millions) | 4.5613% | 2,821 |
| Cash dividends to net income (ytd only)* | 20.3087% | 3,648 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1081% | 5,856 |
| Loan loss allowance to noncurrent loans | 120.1137% | 2,353 |
| Noncurrent assets plus other real estate owned to assets | 1.1932% | 4,717 |
| Noncurrent loans to loans | 0.9225% | 5,466 |
| Net loans and leases to total assets | 74.3085% | 2,194 |
| Net loans and leases to deposits | 103.9723% | 646 |
| Net loans and leases to core deposits | 114.4438% | 2,464 |
| Total domestic deposits to total assets | 71.4695% | 7,289 |
| Equity capital to assets | 10.3376% | 3,358 |
| Core capital (leverage) ratio | 9.7540% | 3,385 |
| Tier 1 risk-based capital ratio | 12.0515% | 4,902 |
| Total risk-based capital ratio | 13.0869% | 5,048 |
| Memoranda: | ||
| Average total assets | $388,138,200 | 1,769 |
| Average earning assets | $346,561,000 | 1,801 |
| Average equity | $40,837,800 | 1,639 |
| Average total loans | $298,740,400 | 1,609 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9166% | 2,375 |
| Cost of funding earning assets | 1.8654% | 4,072 |
| Net interest margin | 4.0511% | 2,596 |
| Noninterest income to average assets | 0.3152% | 5,962 |
| Noninterest expense to average assets | 2.8519% | 4,658 |
| Loan and lease loss provision to assets | 0.5004% | 3,391 |
| Net operating income to assets | 0.4275% | 4,288 |
| Return on assets (ROA) | 0.4955% | 4,098 |
| Pretax return on assets | 0.6616% | 3,979 |
| Return on Equity (ROE) | 4.6881% | 4,085 |
| Retained earnings to average equity (ytd only) | 3.0443% | 3,625 |
| Net charge-offs to loans | 0.0341% | 6,419 |
| Credit loss provision to net charge-offs | 1,894.7368% | 204 |
| Earnings coverage of net charge-offs (x) | 40.5661% | 740 |
| Efficiency ratio | 70.9123% | 4,438 |
| Assets per employee ($millions) | 4.6648% | 2,611 |
| Cash dividends to net income (ytd only)* | 35.0630% | 2,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1511% | 5,409 |
| Loan loss allowance to noncurrent loans | 5,252.2388% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.7373% | 5,656 |
| Noncurrent loans to loans | 0.0219% | 7,468 |
| Net loans and leases to total assets | 77.1182% | 1,764 |
| Net loans and leases to deposits | 108.1976% | 550 |
| Net loans and leases to core deposits | 122.1346% | 2,058 |
| Total domestic deposits to total assets | 71.2753% | 7,307 |
| Equity capital to assets | 10.4702% | 3,547 |
| Core capital (leverage) ratio | 9.8117% | 3,505 |
| Tier 1 risk-based capital ratio | 11.6087% | 5,328 |
| Total risk-based capital ratio | 12.6791% | 5,442 |
| Memoranda: | ||
| Average total assets | $383,684,000 | 1,795 |
| Average earning assets | $341,721,750 | 1,844 |
| Average equity | $40,555,750 | 1,667 |
| Average total loans | $297,165,750 | 1,634 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8824% | 2,664 |
| Cost of funding earning assets | 1.9750% | 3,891 |
| Net interest margin | 3.9074% | 3,083 |
| Noninterest income to average assets | 0.3922% | 5,357 |
| Noninterest expense to average assets | 2.9105% | 4,463 |
| Loan and lease loss provision to assets | 0.3475% | 3,839 |
| Net operating income to assets | 0.4420% | 4,324 |
| Return on assets (ROA) | 0.5434% | 4,030 |
| Pretax return on assets | 0.7339% | 3,883 |
| Return on Equity (ROE) | 5.1239% | 4,025 |
| Retained earnings to average equity (ytd only) | 5.1239% | 2,443 |
| Net charge-offs to loans | 0.0680% | 5,555 |
| Credit loss provision to net charge-offs | 662.0000% | 703 |
| Earnings coverage of net charge-offs (x) | 17.9900% | 1,437 |
| Efficiency ratio | 73.6892% | 4,081 |
| Assets per employee ($millions) | 4.6316% | 2,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9020% | 6,759 |
| Loan loss allowance to noncurrent loans | 633.0275% | 532 |
| Noncurrent assets plus other real estate owned to assets | 1.1069% | 4,744 |
| Noncurrent loans to loans | 0.1425% | 7,161 |
| Net loans and leases to total assets | 78.8801% | 1,549 |
| Net loans and leases to deposits | 107.6676% | 667 |
| Net loans and leases to core deposits | 122.0483% | 2,201 |
| Total domestic deposits to total assets | 73.2626% | 7,073 |
| Equity capital to assets | 10.6593% | 3,241 |
| Core capital (leverage) ratio | 10.1423% | 3,148 |
| Tier 1 risk-based capital ratio | 11.7174% | 5,178 |
| Total risk-based capital ratio | 12.5524% | 5,493 |
| Memoranda: | ||
| Average total assets | $380,964,000 | 1,824 |
| Average earning assets | $337,619,670 | 1,880 |
| Average equity | $40,398,670 | 1,680 |
| Average total loans | $294,320,330 | 1,687 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8455% | 3,054 |
| Cost of funding earning assets | 2.1051% | 3,626 |
| Net interest margin | 3.7404% | 3,709 |
| Noninterest income to average assets | 0.2173% | 6,736 |
| Noninterest expense to average assets | 2.8109% | 4,511 |
| Loan and lease loss provision to assets | 0.3597% | 3,158 |
| Net operating income to assets | 0.2654% | 5,416 |
| Return on assets (ROA) | 0.4746% | 4,735 |
| Pretax return on assets | 0.6223% | 4,684 |
| Return on Equity (ROE) | 4.4877% | 4,714 |
| Retained earnings to average equity (ytd only) | 4.4877% | 3,434 |
| Net charge-offs to loans | 0.1595% | 3,690 |
| Credit loss provision to net charge-offs | 296.5217% | 1,640 |
| Earnings coverage of net charge-offs (x) | 5.8261% | 2,599 |
| Efficiency ratio | 77.9310% | 3,174 |
| Assets per employee ($millions) | 4.7241% | 2,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8836% | 6,819 |
| Loan loss allowance to noncurrent loans | 376.1414% | 930 |
| Noncurrent assets plus other real estate owned to assets | 2.1315% | 2,702 |
| Noncurrent loans to loans | 0.2349% | 6,859 |
| Net loans and leases to total assets | 76.7616% | 2,098 |
| Net loans and leases to deposits | 100.9383% | 1,287 |
| Net loans and leases to core deposits | 113.1251% | 3,087 |
| Total domestic deposits to total assets | 76.0480% | 6,502 |
| Equity capital to assets | 10.8203% | 3,154 |
| Core capital (leverage) ratio | 10.2559% | 3,149 |
| Tier 1 risk-based capital ratio | 12.1131% | 4,857 |
| Total risk-based capital ratio | 12.9274% | 5,145 |
| Memoranda: | ||
| Average total assets | $379,234,000 | 1,841 |
| Average earning assets | $334,614,500 | 1,894 |
| Average equity | $40,109,500 | 1,701 |
| Average total loans | $288,483,500 | 1,721 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2622% | 4,172 |
| Cost of funding earning assets | 2.7331% | 3,006 |
| Net interest margin | 3.5291% | 5,194 |
| Noninterest income to average assets | 0.5070% | 4,564 |
| Noninterest expense to average assets | 2.4480% | 6,216 |
| Loan and lease loss provision to assets | 0.5284% | 2,700 |
| Net operating income to assets | 0.5045% | 4,712 |
| Return on assets (ROA) | 0.5939% | 4,193 |
| Pretax return on assets | 0.8110% | 4,033 |
| Return on Equity (ROE) | 5.3581% | 4,212 |
| Retained earnings to average equity (ytd only) | 5.3581% | 1,833 |
| Net charge-offs to loans | 0.4585% | 2,536 |
| Credit loss provision to net charge-offs | 155.3480% | 3,363 |
| Earnings coverage of net charge-offs (x) | 3.5781% | 4,304 |
| Efficiency ratio | 66.0076% | 5,127 |
| Assets per employee ($millions) | 4.6417% | 2,415 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8620% | 6,841 |
| Loan loss allowance to noncurrent loans | 46.4099% | 5,694 |
| Noncurrent assets plus other real estate owned to assets | 3.3917% | 1,321 |
| Noncurrent loans to loans | 1.8574% | 2,977 |
| Net loans and leases to total assets | 74.0930% | 3,080 |
| Net loans and leases to deposits | 107.0231% | 1,044 |
| Net loans and leases to core deposits | 120.9009% | 2,611 |
| Total domestic deposits to total assets | 69.2309% | 7,357 |
| Equity capital to assets | 10.3402% | 3,677 |
| Core capital (leverage) ratio | 9.7707% | 3,685 |
| Tier 1 risk-based capital ratio | 11.7712% | 5,007 |
| Total risk-based capital ratio | 12.5532% | 5,334 |
| Memoranda: | ||
| Average total assets | $346,359,200 | 1,923 |
| Average earning assets | $309,937,600 | 1,968 |
| Average equity | $38,390,200 | 1,758 |
| Average total loans | $256,899,400 | 1,864 |