Home > Bay Bank, FSB > Performance and Condition Ratios
Bay Bank, FSB, Performance and Condition Ratios
| 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 | 4.7523% | 1,182 |
| Cost of funding earning assets | 0.4248% | 3,403 |
| Net interest margin | 4.3275% | 910 |
| Noninterest income to average assets | 0.5968% | 2,272 |
| Noninterest expense to average assets | 3.2382% | 1,481 |
| Loan and lease loss provision to assets | 0.1825% | 937 |
| Net operating income to assets | 0.8912% | 3,332 |
| Return on assets (ROA) | 0.8912% | 3,342 |
| Pretax return on assets | 1.2477% | 2,563 |
| Return on Equity (ROE) | 8.1911% | 3,300 |
| Retained earnings to average equity (ytd only) | 8.1911% | 1,771 |
| Net charge-offs to loans | 0.0476% | 1,641 |
| Credit loss provision to net charge-offs | 461.5385% | 629 |
| Earnings coverage of net charge-offs (x) | 36.1692% | 1,122 |
| Efficiency ratio | 67.0967% | 2,988 |
| Assets per employee ($millions) | 5.6583% | 1,796 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7987% | 4,795 |
| Loan loss allowance to noncurrent loans | 46.4312% | 4,517 |
| Noncurrent assets plus other real estate owned to assets | 1.5994% | 847 |
| Noncurrent loans to loans | 1.7201% | 992 |
| Net loans and leases to total assets | 83.0952% | 527 |
| Net loans and leases to deposits | 99.5174% | 747 |
| Net loans and leases to core deposits | 105.3752% | 1,287 |
| Total domestic deposits to total assets | 83.4981% | 3,504 |
| Equity capital to assets | 10.9764% | 2,606 |
| Core capital (leverage) ratio | 10.6249% | 2,822 |
| Tier 1 risk-based capital ratio | 12.0561% | 4,519 |
| Total risk-based capital ratio | 12.8130% | 4,724 |
| Memoranda: | ||
| Average total assets | $657,535,000 | 1,124 |
| Average earning assets | $618,648,500 | 1,104 |
| Average equity | $71,541,000 | 1,144 |
| Average total loans | $546,571,500 | 973 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6266% | 1,357 |
| Cost of funding earning assets | 0.3882% | 3,351 |
| Net interest margin | 4.2384% | 1,107 |
| Noninterest income to average assets | 1.0124% | 991 |
| Noninterest expense to average assets | 3.2660% | 1,445 |
| Loan and lease loss provision to assets | 0.2582% | 715 |
| Net operating income to assets | 0.8143% | 3,099 |
| Return on assets (ROA) | 0.8144% | 3,138 |
| Pretax return on assets | 1.4686% | 1,750 |
| Return on Equity (ROE) | 7.6457% | 2,978 |
| Retained earnings to average equity (ytd only) | 7.6457% | 877 |
| Net charge-offs to loans | 0.0631% | 2,574 |
| Credit loss provision to net charge-offs | 511.4198% | 604 |
| Earnings coverage of net charge-offs (x) | 34.2037% | 1,407 |
| Efficiency ratio | 62.9552% | 3,787 |
| Assets per employee ($millions) | 4.9902% | 2,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7649% | 4,918 |
| Loan loss allowance to noncurrent loans | 38.9211% | 4,710 |
| Noncurrent assets plus other real estate owned to assets | 1.7716% | 710 |
| Noncurrent loans to loans | 1.9652% | 782 |
| Net loans and leases to total assets | 81.8558% | 696 |
| Net loans and leases to deposits | 94.0334% | 1,268 |
| Net loans and leases to core deposits | 99.0323% | 1,788 |
| Total domestic deposits to total assets | 87.0498% | 1,971 |
| Equity capital to assets | 10.7843% | 2,858 |
| Core capital (leverage) ratio | 10.5358% | 2,803 |
| Tier 1 risk-based capital ratio | 12.1136% | 4,453 |
| Total risk-based capital ratio | 12.8477% | 4,679 |
| Memoranda: | ||
| Average total assets | $641,849,600 | 1,132 |
| Average earning assets | $602,756,400 | 1,111 |
| Average equity | $68,365,200 | 1,169 |
| Average total loans | $513,260,200 | 997 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5633% | 1,467 |
| Cost of funding earning assets | 0.3776% | 3,397 |
| Net interest margin | 4.1856% | 1,189 |
| Noninterest income to average assets | 1.1105% | 825 |
| Noninterest expense to average assets | 3.2216% | 1,514 |
| Loan and lease loss provision to assets | 0.2670% | 621 |
| Net operating income to assets | 0.9509% | 2,774 |
| Return on assets (ROA) | 0.9510% | 2,838 |
| Pretax return on assets | 1.5528% | 1,572 |
| Return on Equity (ROE) | 8.9573% | 2,624 |
| Retained earnings to average equity (ytd only) | 8.9573% | 855 |
| Net charge-offs to loans | 0.0132% | 3,265 |
| Credit loss provision to net charge-offs | 2,554.0000% | 169 |
| Earnings coverage of net charge-offs (x) | 174.0270% | 488 |
| Efficiency ratio | 61.3547% | 3,984 |
| Assets per employee ($millions) | 4.7204% | 2,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7705% | 4,975 |
| Loan loss allowance to noncurrent loans | 40.6831% | 4,750 |
| Noncurrent assets plus other real estate owned to assets | 1.6937% | 852 |
| Noncurrent loans to loans | 1.8938% | 919 |
| Net loans and leases to total assets | 80.0742% | 976 |
| Net loans and leases to deposits | 94.7851% | 1,224 |
| Net loans and leases to core deposits | 99.8205% | 1,720 |
| Total domestic deposits to total assets | 84.4797% | 2,928 |
| Equity capital to assets | 10.8618% | 3,005 |
| Core capital (leverage) ratio | 10.5311% | 2,953 |
| Tier 1 risk-based capital ratio | 12.2725% | 4,453 |
| Total risk-based capital ratio | 13.0057% | 4,673 |
| Memoranda: | ||
| Average total assets | $637,635,000 | 1,144 |
| Average earning assets | $598,793,750 | 1,124 |
| Average equity | $67,697,250 | 1,187 |
| Average total loans | $505,738,500 | 1,012 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4640% | 1,615 |
| Cost of funding earning assets | 0.3600% | 3,481 |
| Net interest margin | 4.1039% | 1,316 |
| Noninterest income to average assets | 0.8454% | 1,425 |
| Noninterest expense to average assets | 3.2453% | 1,487 |
| Loan and lease loss provision to assets | 0.3042% | 499 |
| Net operating income to assets | 0.7125% | 3,784 |
| Return on assets (ROA) | 0.7137% | 3,850 |
| Pretax return on assets | 1.1475% | 2,988 |
| Return on Equity (ROE) | 6.7758% | 3,675 |
| Retained earnings to average equity (ytd only) | 6.7758% | 1,699 |
| Net charge-offs to loans | 0.0713% | 1,924 |
| Credit loss provision to net charge-offs | 541.0112% | 618 |
| Earnings coverage of net charge-offs (x) | 25.7809% | 1,597 |
| Efficiency ratio | 66.2001% | 3,320 |
| Assets per employee ($millions) | 4.9295% | 2,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7040% | 5,200 |
| Loan loss allowance to noncurrent loans | 27.7389% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 2.1918% | 543 |
| Noncurrent loans to loans | 2.5380% | 582 |
| Net loans and leases to total assets | 78.8031% | 1,123 |
| Net loans and leases to deposits | 94.7753% | 1,198 |
| Net loans and leases to core deposits | 98.9910% | 1,728 |
| Total domestic deposits to total assets | 83.1472% | 3,521 |
| Equity capital to assets | 10.5560% | 3,274 |
| Core capital (leverage) ratio | 10.4384% | 2,988 |
| Tier 1 risk-based capital ratio | 12.1526% | 4,525 |
| Total risk-based capital ratio | 12.8224% | 4,800 |
| Memoranda: | ||
| Average total assets | $633,042,670 | 1,154 |
| Average earning assets | $593,823,330 | 1,132 |
| Average equity | $66,678,000 | 1,202 |
| Average total loans | $499,097,000 | 1,023 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3267% | 1,888 |
| Cost of funding earning assets | 0.3513% | 3,516 |
| Net interest margin | 3.9755% | 1,537 |
| Noninterest income to average assets | 0.7723% | 1,656 |
| Noninterest expense to average assets | 3.2150% | 1,565 |
| Loan and lease loss provision to assets | 0.2815% | 505 |
| Net operating income to assets | 0.6224% | 4,051 |
| Return on assets (ROA) | 0.6249% | 4,094 |
| Pretax return on assets | 1.0072% | 3,340 |
| Return on Equity (ROE) | 5.9393% | 3,950 |
| Retained earnings to average equity (ytd only) | 5.9393% | 2,382 |
| Net charge-offs to loans | 0.0845% | 1,505 |
| Credit loss provision to net charge-offs | 424.0385% | 634 |
| Earnings coverage of net charge-offs (x) | 19.3558% | 1,532 |
| Efficiency ratio | 68.0993% | 3,179 |
| Assets per employee ($millions) | 5.0251% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6370% | 5,419 |
| Loan loss allowance to noncurrent loans | 21.0120% | 5,177 |
| Noncurrent assets plus other real estate owned to assets | 2.4644% | 472 |
| Noncurrent loans to loans | 3.0315% | 453 |
| Net loans and leases to total assets | 77.8510% | 1,157 |
| Net loans and leases to deposits | 93.6306% | 1,151 |
| Net loans and leases to core deposits | 98.3415% | 1,637 |
| Total domestic deposits to total assets | 83.1469% | 3,785 |
| Equity capital to assets | 10.5047% | 3,183 |
| Core capital (leverage) ratio | 10.3388% | 3,073 |
| Tier 1 risk-based capital ratio | 12.2709% | 4,527 |
| Total risk-based capital ratio | 12.8766% | 4,856 |
| Memoranda: | ||
| Average total assets | $626,682,500 | 1,162 |
| Average earning assets | $587,605,500 | 1,142 |
| Average equity | $65,933,500 | 1,209 |
| Average total loans | $492,401,000 | 1,035 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5958% | 1,289 |
| Cost of funding earning assets | 0.3590% | 3,423 |
| Net interest margin | 4.2367% | 1,042 |
| Noninterest income to average assets | 1.5432% | 507 |
| Noninterest expense to average assets | 4.7741% | 295 |
| Loan and lease loss provision to assets | 0.2597% | 795 |
| Net operating income to assets | 0.3119% | 5,194 |
| Return on assets (ROA) | 0.3587% | 5,145 |
| Pretax return on assets | 0.5660% | 4,882 |
| Return on Equity (ROE) | 2.8346% | 5,201 |
| Retained earnings to average equity (ytd only) | 2.8346% | 3,878 |
| Net charge-offs to loans | 0.0774% | 2,579 |
| Credit loss provision to net charge-offs | 408.8235% | 781 |
| Earnings coverage of net charge-offs (x) | 11.5794% | 2,528 |
| Efficiency ratio | 83.9664% | 1,012 |
| Assets per employee ($millions) | 4.7352% | 2,736 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5776% | 5,569 |
| Loan loss allowance to noncurrent loans | 20.0085% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 2.4720% | 483 |
| Noncurrent loans to loans | 2.8869% | 484 |
| Net loans and leases to total assets | 78.3301% | 1,153 |
| Net loans and leases to deposits | 92.2562% | 1,413 |
| Net loans and leases to core deposits | 96.4406% | 1,885 |
| Total domestic deposits to total assets | 84.9050% | 3,092 |
| Equity capital to assets | 10.5069% | 3,147 |
| Core capital (leverage) ratio | 10.4485% | 2,932 |
| Tier 1 risk-based capital ratio | 12.3068% | 4,501 |
| Total risk-based capital ratio | 12.8585% | 4,895 |
| Memoranda: | ||
| Average total assets | $535,197,000 | 1,292 |
| Average earning assets | $501,068,800 | 1,274 |
| Average equity | $67,735,000 | 1,152 |
| Average total loans | $439,009,000 | 1,113 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6101% | 1,272 |
| Cost of funding earning assets | 0.3600% | 3,431 |
| Net interest margin | 4.2500% | 1,027 |
| Noninterest income to average assets | 1.0647% | 1,000 |
| Noninterest expense to average assets | 4.5186% | 376 |
| Loan and lease loss provision to assets | 0.2636% | 689 |
| Net operating income to assets | 0.2074% | 5,453 |
| Return on assets (ROA) | 0.3072% | 5,357 |
| Pretax return on assets | 0.3902% | 5,323 |
| Return on Equity (ROE) | 2.3088% | 5,410 |
| Retained earnings to average equity (ytd only) | 2.3088% | 4,539 |
| Net charge-offs to loans | 0.1066% | 1,880 |
| Credit loss provision to net charge-offs | 297.9472% | 1,045 |
| Earnings coverage of net charge-offs (x) | 5.9618% | 3,057 |
| Efficiency ratio | 86.6941% | 764 |
| Assets per employee ($millions) | 4.2951% | 3,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5045% | 5,726 |
| Loan loss allowance to noncurrent loans | 15.4966% | 5,357 |
| Noncurrent assets plus other real estate owned to assets | 2.8791% | 418 |
| Noncurrent loans to loans | 3.2554% | 428 |
| Net loans and leases to total assets | 79.7234% | 928 |
| Net loans and leases to deposits | 90.9574% | 1,640 |
| Net loans and leases to core deposits | 96.0917% | 1,979 |
| Total domestic deposits to total assets | 87.6492% | 1,590 |
| Equity capital to assets | 11.4073% | 2,594 |
| Core capital (leverage) ratio | 10.8350% | 2,642 |
| Tier 1 risk-based capital ratio | 13.1326% | 4,080 |
| Total risk-based capital ratio | 13.6182% | 4,461 |
| Memoranda: | ||
| Average total assets | $513,917,250 | 1,339 |
| Average earning assets | $481,428,250 | 1,322 |
| Average equity | $68,374,750 | 1,152 |
| Average total loans | $426,582,000 | 1,146 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5875% | 1,294 |
| Cost of funding earning assets | 0.3217% | 3,880 |
| Net interest margin | 4.2657% | 992 |
| Noninterest income to average assets | 0.7978% | 1,725 |
| Noninterest expense to average assets | 4.2321% | 477 |
| Loan and lease loss provision to assets | 0.2714% | 688 |
| Net operating income to assets | 0.1681% | 5,584 |
| Return on assets (ROA) | 0.2971% | 5,418 |
| Pretax return on assets | 0.4841% | 5,165 |
| Return on Equity (ROE) | 2.1075% | 5,482 |
| Retained earnings to average equity (ytd only) | 2.1075% | 4,514 |
| Net charge-offs to loans | 0.0668% | 2,237 |
| Credit loss provision to net charge-offs | 482.3529% | 677 |
| Earnings coverage of net charge-offs (x) | 9.8456% | 2,377 |
| Efficiency ratio | 85.4154% | 932 |
| Assets per employee ($millions) | 3.6979% | 4,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5427% | 5,751 |
| Loan loss allowance to noncurrent loans | 32.4053% | 5,236 |
| Noncurrent assets plus other real estate owned to assets | 1.7240% | 1,032 |
| Noncurrent loans to loans | 1.6746% | 1,270 |
| Net loans and leases to total assets | 84.8117% | 352 |
| Net loans and leases to deposits | 115.7040% | 150 |
| Net loans and leases to core deposits | 122.1002% | 458 |
| Total domestic deposits to total assets | 73.3006% | 5,581 |
| Equity capital to assets | 13.8338% | 1,081 |
| Core capital (leverage) ratio | 13.9886% | 825 |
| Tier 1 risk-based capital ratio | 15.5637% | 2,832 |
| Total risk-based capital ratio | 16.1030% | 3,079 |
| Memoranda: | ||
| Average total assets | $483,355,000 | 1,431 |
| Average earning assets | $451,928,000 | 1,423 |
| Average equity | $68,138,670 | 1,157 |
| Average total loans | $407,024,000 | 1,192 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5906% | 1,287 |
| Cost of funding earning assets | 0.3303% | 3,840 |
| Net interest margin | 4.2603% | 980 |
| Noninterest income to average assets | 0.7333% | 1,889 |
| Noninterest expense to average assets | 4.3874% | 430 |
| Loan and lease loss provision to assets | 0.2498% | 706 |
| Net operating income to assets | 0.0413% | 5,755 |
| Return on assets (ROA) | 0.1877% | 5,606 |
| Pretax return on assets | 0.3026% | 5,505 |
| Return on Equity (ROE) | 1.3189% | 5,642 |
| Retained earnings to average equity (ytd only) | 1.3189% | 4,732 |
| Net charge-offs to loans | 0.1222% | 1,377 |
| Credit loss provision to net charge-offs | 244.2623% | 958 |
| Earnings coverage of net charge-offs (x) | 3.1639% | 2,579 |
| Efficiency ratio | 89.6993% | 692 |
| Assets per employee ($millions) | 3.2635% | 5,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4867% | 5,873 |
| Loan loss allowance to noncurrent loans | 25.4905% | 5,374 |
| Noncurrent assets plus other real estate owned to assets | 1.9740% | 889 |
| Noncurrent loans to loans | 1.9095% | 1,143 |
| Net loans and leases to total assets | 85.9845% | 216 |
| Net loans and leases to deposits | 108.8779% | 250 |
| Net loans and leases to core deposits | 116.0176% | 590 |
| Total domestic deposits to total assets | 78.9733% | 4,972 |
| Equity capital to assets | 14.6754% | 782 |
| Core capital (leverage) ratio | 13.7351% | 893 |
| Tier 1 risk-based capital ratio | 16.1966% | 2,586 |
| Total risk-based capital ratio | 16.6804% | 2,894 |
| Memoranda: | ||
| Average total assets | $477,272,500 | 1,439 |
| Average earning assets | $445,607,000 | 1,437 |
| Average equity | $67,933,500 | 1,153 |
| Average total loans | $399,260,000 | 1,205 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1534% | 466 |
| Cost of funding earning assets | 0.4057% | 3,094 |
| Net interest margin | 4.7478% | 419 |
| Noninterest income to average assets | 1.0048% | 1,171 |
| Noninterest expense to average assets | 4.5674% | 393 |
| Loan and lease loss provision to assets | 0.2361% | 822 |
| Net operating income to assets | 0.3898% | 5,086 |
| Return on assets (ROA) | 0.4282% | 5,038 |
| Pretax return on assets | 0.6777% | 4,591 |
| Return on Equity (ROE) | 3.1066% | 5,268 |
| Retained earnings to average equity (ytd only) | 3.1066% | 3,845 |
| Net charge-offs to loans | 0.1659% | 1,707 |
| Credit loss provision to net charge-offs | 171.8797% | 1,571 |
| Earnings coverage of net charge-offs (x) | 6.2165% | 3,264 |
| Efficiency ratio | 80.9966% | 1,536 |
| Assets per employee ($millions) | 3.3871% | 5,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4454% | 5,960 |
| Loan loss allowance to noncurrent loans | 21.5196% | 5,455 |
| Noncurrent assets plus other real estate owned to assets | 1.9748% | 902 |
| Noncurrent loans to loans | 2.0696% | 996 |
| Net loans and leases to total assets | 80.6981% | 750 |
| Net loans and leases to deposits | 107.8428% | 303 |
| Net loans and leases to core deposits | 112.6875% | 736 |
| Total domestic deposits to total assets | 74.8294% | 5,568 |
| Equity capital to assets | 13.8169% | 999 |
| Core capital (leverage) ratio | 13.7524% | 893 |
| Tier 1 risk-based capital ratio | 16.1430% | 2,625 |
| Total risk-based capital ratio | 16.5802% | 2,967 |
| Memoranda: | ||
| Average total assets | $484,169,400 | 1,393 |
| Average earning assets | $450,381,200 | 1,375 |
| Average equity | $66,729,600 | 1,136 |
| Average total loans | $400,952,800 | 1,152 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2602% | 396 |
| Cost of funding earning assets | 0.4235% | 2,976 |
| Net interest margin | 4.8367% | 348 |
| Noninterest income to average assets | 1.1002% | 996 |
| Noninterest expense to average assets | 4.7226% | 357 |
| Loan and lease loss provision to assets | 0.2427% | 721 |
| Net operating income to assets | 0.3872% | 5,207 |
| Return on assets (ROA) | 0.4220% | 5,166 |
| Pretax return on assets | 0.6868% | 4,725 |
| Return on Equity (ROE) | 3.0640% | 5,363 |
| Retained earnings to average equity (ytd only) | 3.0640% | 4,266 |
| Net charge-offs to loans | 0.1836% | 1,387 |
| Credit loss provision to net charge-offs | 158.7703% | 1,609 |
| Earnings coverage of net charge-offs (x) | 5.7252% | 3,164 |
| Efficiency ratio | 81.1297% | 1,506 |
| Assets per employee ($millions) | 3.2699% | 5,174 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4051% | 6,087 |
| Loan loss allowance to noncurrent loans | 17.2782% | 5,603 |
| Noncurrent assets plus other real estate owned to assets | 2.3945% | 746 |
| Noncurrent loans to loans | 2.3448% | 898 |
| Net loans and leases to total assets | 83.9923% | 384 |
| Net loans and leases to deposits | 104.3412% | 436 |
| Net loans and leases to core deposits | 112.6886% | 728 |
| Total domestic deposits to total assets | 80.4977% | 4,606 |
| Equity capital to assets | 14.1401% | 966 |
| Core capital (leverage) ratio | 13.1887% | 1,142 |
| Tier 1 risk-based capital ratio | 16.0971% | 2,756 |
| Total risk-based capital ratio | 16.5063% | 3,102 |
| Memoranda: | ||
| Average total assets | $482,429,500 | 1,400 |
| Average earning assets | $448,588,000 | 1,387 |
| Average equity | $66,447,250 | 1,144 |
| Average total loans | $401,664,750 | 1,153 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2410% | 401 |
| Cost of funding earning assets | 0.4297% | 2,937 |
| Net interest margin | 4.8113% | 353 |
| Noninterest income to average assets | 1.0742% | 1,039 |
| Noninterest expense to average assets | 4.7095% | 362 |
| Loan and lease loss provision to assets | 0.2358% | 775 |
| Net operating income to assets | 0.3651% | 5,250 |
| Return on assets (ROA) | 0.3854% | 5,293 |
| Pretax return on assets | 0.6331% | 4,885 |
| Return on Equity (ROE) | 2.8227% | 5,464 |
| Retained earnings to average equity (ytd only) | 2.8227% | 4,246 |
| Net charge-offs to loans | 0.2158% | 1,182 |
| Credit loss provision to net charge-offs | 131.7972% | 1,672 |
| Earnings coverage of net charge-offs (x) | 4.6797% | 3,012 |
| Efficiency ratio | 81.4952% | 1,559 |
| Assets per employee ($millions) | 3.3691% | 5,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3560% | 6,182 |
| Loan loss allowance to noncurrent loans | 15.1897% | 5,727 |
| Noncurrent assets plus other real estate owned to assets | 2.2609% | 910 |
| Noncurrent loans to loans | 2.3439% | 998 |
| Net loans and leases to total assets | 82.0964% | 545 |
| Net loans and leases to deposits | 104.3086% | 435 |
| Net loans and leases to core deposits | 110.6158% | 801 |
| Total domestic deposits to total assets | 78.7053% | 5,158 |
| Equity capital to assets | 13.5529% | 1,153 |
| Core capital (leverage) ratio | 13.2327% | 1,078 |
| Tier 1 risk-based capital ratio | 17.0047% | 2,401 |
| Total risk-based capital ratio | 17.3902% | 2,738 |
| Memoranda: | ||
| Average total assets | $485,194,330 | 1,403 |
| Average earning assets | $451,017,000 | 1,391 |
| Average equity | $66,248,670 | 1,155 |
| Average total loans | $402,267,330 | 1,146 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1910% | 411 |
| Cost of funding earning assets | 0.4411% | 2,870 |
| Net interest margin | 4.7499% | 380 |
| Noninterest income to average assets | 0.9770% | 1,173 |
| Noninterest expense to average assets | 4.7078% | 369 |
| Loan and lease loss provision to assets | 0.2275% | 766 |
| Net operating income to assets | 0.2603% | 5,533 |
| Return on assets (ROA) | 0.3011% | 5,512 |
| Pretax return on assets | 0.5236% | 5,115 |
| Return on Equity (ROE) | 2.1971% | 5,640 |
| Retained earnings to average equity (ytd only) | 2.1971% | 4,585 |
| Net charge-offs to loans | 0.2148% | 1,084 |
| Credit loss provision to net charge-offs | 127.3148% | 1,389 |
| Earnings coverage of net charge-offs (x) | 3.8472% | 2,560 |
| Efficiency ratio | 83.3487% | 1,447 |
| Assets per employee ($millions) | 3.1834% | 5,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3351% | 6,275 |
| Loan loss allowance to noncurrent loans | 11.2927% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 2.7699% | 720 |
| Noncurrent loans to loans | 2.9676% | 743 |
| Net loans and leases to total assets | 82.6761% | 400 |
| Net loans and leases to deposits | 99.5858% | 584 |
| Net loans and leases to core deposits | 108.3799% | 805 |
| Total domestic deposits to total assets | 83.0200% | 4,173 |
| Equity capital to assets | 13.5059% | 1,168 |
| Core capital (leverage) ratio | 13.0105% | 1,151 |
| Tier 1 risk-based capital ratio | 16.2161% | 2,815 |
| Total risk-based capital ratio | 16.5656% | 3,184 |
| Memoranda: | ||
| Average total assets | $483,534,000 | 1,414 |
| Average earning assets | $449,780,000 | 1,397 |
| Average equity | $66,269,000 | 1,158 |
| Average total loans | $402,158,000 | 1,141 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6813% | 234 |
| Cost of funding earning assets | 0.2957% | 4,836 |
| Net interest margin | 5.3856% | 161 |
| Noninterest income to average assets | 1.5995% | 496 |
| Noninterest expense to average assets | 5.8501% | 198 |
| Loan and lease loss provision to assets | 0.1747% | 1,483 |
| Net operating income to assets | 0.6884% | 3,955 |
| Return on assets (ROA) | 0.6884% | 4,068 |
| Pretax return on assets | 0.5531% | 5,095 |
| Return on Equity (ROE) | 5.1556% | 4,580 |
| Retained earnings to average equity (ytd only) | 5.1556% | 2,494 |
| Net charge-offs to loans | 0.0966% | 3,122 |
| Credit loss provision to net charge-offs | 224.0223% | 1,122 |
| Earnings coverage of net charge-offs (x) | 9.3352% | 2,764 |
| Efficiency ratio | 85.6481% | 1,207 |
| Assets per employee ($millions) | 2.9092% | 5,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3235% | 6,371 |
| Loan loss allowance to noncurrent loans | 11.0921% | 5,912 |
| Noncurrent assets plus other real estate owned to assets | 2.7406% | 796 |
| Noncurrent loans to loans | 2.9167% | 781 |
| Net loans and leases to total assets | 83.1205% | 421 |
| Net loans and leases to deposits | 102.8476% | 480 |
| Net loans and leases to core deposits | 109.5516% | 800 |
| Total domestic deposits to total assets | 80.8191% | 4,787 |
| Equity capital to assets | 13.9073% | 990 |
| Core capital (leverage) ratio | 12.9445% | 1,164 |
| Tier 1 risk-based capital ratio | 16.3142% | 2,805 |
| Total risk-based capital ratio | 16.6580% | 3,213 |
| Memoranda: | ||
| Average total assets | $459,192,600 | 1,455 |
| Average earning assets | $424,465,200 | 1,445 |
| Average equity | $61,312,400 | 1,189 |
| Average total loans | $370,462,200 | 1,187 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5337% | 303 |
| Cost of funding earning assets | 0.2888% | 5,002 |
| Net interest margin | 5.2449% | 190 |
| Noninterest income to average assets | 1.8532% | 394 |
| Noninterest expense to average assets | 5.8949% | 189 |
| Loan and lease loss provision to assets | 0.1703% | 1,446 |
| Net operating income to assets | 0.5580% | 4,641 |
| Return on assets (ROA) | 0.5580% | 4,716 |
| Pretax return on assets | 0.6311% | 4,928 |
| Return on Equity (ROE) | 4.2255% | 5,072 |
| Retained earnings to average equity (ytd only) | 4.2255% | 3,644 |
| Net charge-offs to loans | 0.1109% | 2,693 |
| Credit loss provision to net charge-offs | 192.0530% | 1,313 |
| Earnings coverage of net charge-offs (x) | 9.0364% | 2,723 |
| Efficiency ratio | 84.7945% | 1,305 |
| Assets per employee ($millions) | 2.9245% | 5,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2820% | 6,474 |
| Loan loss allowance to noncurrent loans | 6.5309% | 6,034 |
| Noncurrent assets plus other real estate owned to assets | 3.9469% | 510 |
| Noncurrent loans to loans | 4.3175% | 463 |
| Net loans and leases to total assets | 83.2473% | 379 |
| Net loans and leases to deposits | 100.1560% | 606 |
| Net loans and leases to core deposits | 108.2649% | 834 |
| Total domestic deposits to total assets | 83.1176% | 4,091 |
| Equity capital to assets | 13.6125% | 1,141 |
| Core capital (leverage) ratio | 12.5105% | 1,397 |
| Tier 1 risk-based capital ratio | 15.8406% | 3,133 |
| Total risk-based capital ratio | 16.1424% | 3,588 |
| Memoranda: | ||
| Average total assets | $453,987,500 | 1,473 |
| Average earning assets | $419,214,750 | 1,465 |
| Average equity | $59,951,250 | 1,227 |
| Average total loans | $363,006,750 | 1,219 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6380% | 246 |
| Cost of funding earning assets | 0.2966% | 5,001 |
| Net interest margin | 5.3414% | 159 |
| Noninterest income to average assets | 2.4304% | 250 |
| Noninterest expense to average assets | 5.4736% | 236 |
| Loan and lease loss provision to assets | 0.1616% | 1,534 |
| Net operating income to assets | 1.3111% | 1,278 |
| Return on assets (ROA) | 1.3111% | 1,328 |
| Pretax return on assets | 1.7192% | 978 |
| Return on Equity (ROE) | 10.0391% | 2,137 |
| Retained earnings to average equity (ytd only) | 10.0391% | 707 |
| Net charge-offs to loans | 0.0633% | 3,081 |
| Credit loss provision to net charge-offs | 324.3243% | 805 |
| Earnings coverage of net charge-offs (x) | 37.7387% | 1,101 |
| Efficiency ratio | 71.4408% | 3,439 |
| Assets per employee ($millions) | 2.9021% | 5,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2742% | 6,545 |
| Loan loss allowance to noncurrent loans | 7.1484% | 6,095 |
| Noncurrent assets plus other real estate owned to assets | 3.4681% | 680 |
| Noncurrent loans to loans | 3.8360% | 637 |
| Net loans and leases to total assets | 82.0511% | 463 |
| Net loans and leases to deposits | 95.4220% | 848 |
| Net loans and leases to core deposits | 100.6516% | 1,230 |
| Total domestic deposits to total assets | 85.9876% | 3,039 |
| Equity capital to assets | 13.3495% | 1,214 |
| Core capital (leverage) ratio | 12.2732% | 1,513 |
| Tier 1 risk-based capital ratio | 15.6974% | 3,249 |
| Total risk-based capital ratio | 15.9896% | 3,736 |
| Memoranda: | ||
| Average total assets | $445,444,000 | 1,499 |
| Average earning assets | $410,640,670 | 1,499 |
| Average equity | $58,172,330 | 1,255 |
| Average total loans | $350,543,000 | 1,256 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6225% | 249 |
| Cost of funding earning assets | 0.3166% | 4,902 |
| Net interest margin | 5.3059% | 158 |
| Noninterest income to average assets | 1.0349% | 1,049 |
| Noninterest expense to average assets | 5.7834% | 209 |
| Loan and lease loss provision to assets | 0.2064% | 1,119 |
| Net operating income to assets | 0.1074% | 6,012 |
| Return on assets (ROA) | 0.1074% | 6,044 |
| Pretax return on assets | -0.0745% | 6,269 |
| Return on Equity (ROE) | 0.8334% | 6,072 |
| Retained earnings to average equity (ytd only) | 0.8334% | 5,259 |
| Net charge-offs to loans | 0.1574% | 1,773 |
| Credit loss provision to net charge-offs | 171.0938% | 1,158 |
| Earnings coverage of net charge-offs (x) | 1.0938% | 3,181 |
| Efficiency ratio | 93.4034% | 788 |
| Assets per employee ($millions) | 2.9840% | 5,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2972% | 6,612 |
| Loan loss allowance to noncurrent loans | 9.9958% | 6,170 |
| Noncurrent assets plus other real estate owned to assets | 2.5490% | 1,239 |
| Noncurrent loans to loans | 2.9732% | 1,073 |
| Net loans and leases to total assets | 73.5453% | 1,340 |
| Net loans and leases to deposits | 84.9366% | 1,731 |
| Net loans and leases to core deposits | 91.3604% | 1,791 |
| Total domestic deposits to total assets | 86.5885% | 3,056 |
| Equity capital to assets | 12.7818% | 1,408 |
| Core capital (leverage) ratio | 11.4399% | 2,014 |
| Tier 1 risk-based capital ratio | 15.2342% | 3,589 |
| Total risk-based capital ratio | 15.5307% | 4,093 |
| Memoranda: | ||
| Average total assets | $424,385,500 | 1,579 |
| Average earning assets | $390,357,000 | 1,582 |
| Average equity | $54,715,000 | 1,324 |
| Average total loans | $325,240,000 | 1,336 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4725% | 99 |
| Cost of funding earning assets | 0.4302% | 4,317 |
| Net interest margin | 6.0424% | 80 |
| Noninterest income to average assets | 2.8107% | 241 |
| Noninterest expense to average assets | 6.7635% | 158 |
| Loan and lease loss provision to assets | 0.2643% | 1,340 |
| Net operating income to assets | 1.1585% | 1,726 |
| Return on assets (ROA) | 1.1585% | 1,784 |
| Pretax return on assets | 1.3556% | 1,945 |
| Return on Equity (ROE) | 8.3015% | 2,882 |
| Retained earnings to average equity (ytd only) | 8.3015% | 955 |
| Net charge-offs to loans | 0.2559% | 2,434 |
| Credit loss provision to net charge-offs | 130.1391% | 1,803 |
| Earnings coverage of net charge-offs (x) | 7.9768% | 2,755 |
| Efficiency ratio | 77.7162% | 2,509 |
| Assets per employee ($millions) | 2.8704% | 6,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2552% | 6,697 |
| Loan loss allowance to noncurrent loans | 12.7376% | 6,264 |
| Noncurrent assets plus other real estate owned to assets | 1.9021% | 1,904 |
| Noncurrent loans to loans | 2.0032% | 1,989 |
| Net loans and leases to total assets | 79.3810% | 661 |
| Net loans and leases to deposits | 92.0923% | 1,040 |
| Net loans and leases to core deposits | 97.7458% | 1,322 |
| Total domestic deposits to total assets | 86.1972% | 3,158 |
| Equity capital to assets | 13.0065% | 1,269 |
| Core capital (leverage) ratio | 11.4120% | 2,024 |
| Tier 1 risk-based capital ratio | 14.4231% | 4,003 |
| Total risk-based capital ratio | 14.6844% | 4,636 |
| Memoranda: | ||
| Average total assets | $318,606,800 | 2,016 |
| Average earning assets | $293,841,600 | 2,017 |
| Average equity | $44,462,000 | 1,571 |
| Average total loans | $252,796,600 | 1,642 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5848% | 90 |
| Cost of funding earning assets | 0.4443% | 4,336 |
| Net interest margin | 6.1405% | 70 |
| Noninterest income to average assets | 4.0132% | 176 |
| Noninterest expense to average assets | 7.1274% | 141 |
| Loan and lease loss provision to assets | 0.2426% | 1,477 |
| Net operating income to assets | 2.1383% | 286 |
| Return on assets (ROA) | 2.1383% | 296 |
| Pretax return on assets | 2.3123% | 312 |
| Return on Equity (ROE) | 14.9600% | 804 |
| Retained earnings to average equity (ytd only) | 14.9600% | 204 |
| Net charge-offs to loans | 0.2866% | 2,104 |
| Credit loss provision to net charge-offs | 106.8000% | 2,197 |
| Earnings coverage of net charge-offs (x) | 11.2480% | 2,260 |
| Efficiency ratio | 71.1866% | 3,573 |
| Assets per employee ($millions) | 2.6828% | 6,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1965% | 6,796 |
| Loan loss allowance to noncurrent loans | 7.3876% | 6,369 |
| Noncurrent assets plus other real estate owned to assets | 2.3935% | 1,628 |
| Noncurrent loans to loans | 2.6597% | 1,587 |
| Net loans and leases to total assets | 79.6551% | 589 |
| Net loans and leases to deposits | 91.9293% | 982 |
| Net loans and leases to core deposits | 98.0248% | 1,242 |
| Total domestic deposits to total assets | 86.6482% | 2,887 |
| Equity capital to assets | 12.3526% | 1,671 |
| Core capital (leverage) ratio | 11.5876% | 1,967 |
| Tier 1 risk-based capital ratio | 14.5438% | 4,049 |
| Total risk-based capital ratio | 14.7424% | 4,714 |
| Memoranda: | ||
| Average total assets | $293,490,000 | 2,199 |
| Average earning assets | $270,960,250 | 2,181 |
| Average equity | $41,950,750 | 1,683 |
| Average total loans | $232,616,750 | 1,771 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3171% | 117 |
| Cost of funding earning assets | 0.4452% | 4,484 |
| Net interest margin | 5.8719% | 93 |
| Noninterest income to average assets | 6.1008% | 120 |
| Noninterest expense to average assets | 7.5346% | 131 |
| Loan and lease loss provision to assets | 0.1496% | 2,460 |
| Net operating income to assets | 3.2731% | 96 |
| Return on assets (ROA) | 3.2731% | 100 |
| Pretax return on assets | 3.8723% | 90 |
| Return on Equity (ROE) | 21.1753% | 240 |
| Retained earnings to average equity (ytd only) | 21.1753% | 72 |
| Net charge-offs to loans | 0.1046% | 3,309 |
| Credit loss provision to net charge-offs | 181.1881% | 1,309 |
| Earnings coverage of net charge-offs (x) | 48.7129% | 814 |
| Efficiency ratio | 63.9174% | 4,877 |
| Assets per employee ($millions) | 2.8887% | 6,038 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1968% | 6,837 |
| Loan loss allowance to noncurrent loans | 9.4169% | 6,428 |
| Noncurrent assets plus other real estate owned to assets | 1.9774% | 2,179 |
| Noncurrent loans to loans | 2.0903% | 2,290 |
| Net loans and leases to total assets | 79.4674% | 581 |
| Net loans and leases to deposits | 91.0731% | 1,044 |
| Net loans and leases to core deposits | 99.3661% | 1,124 |
| Total domestic deposits to total assets | 87.2568% | 2,684 |
| Equity capital to assets | 11.3526% | 2,423 |
| Core capital (leverage) ratio | 10.7212% | 2,648 |
| Tier 1 risk-based capital ratio | 13.5020% | 4,771 |
| Total risk-based capital ratio | 13.7008% | 5,479 |
| Memoranda: | ||
| Average total assets | $244,657,670 | 2,604 |
| Average earning assets | $227,319,670 | 2,562 |
| Average equity | $37,817,670 | 1,858 |
| Average total loans | $193,101,670 | 2,069 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0476% | 58 |
| Cost of funding earning assets | 0.4652% | 4,424 |
| Net interest margin | 6.5824% | 55 |
| Noninterest income to average assets | 0.1551% | 6,332 |
| Noninterest expense to average assets | 5.6584% | 242 |
| Loan and lease loss provision to assets | 0.0882% | 3,192 |
| Net operating income to assets | 0.4318% | 4,995 |
| Return on assets (ROA) | 0.4318% | 5,152 |
| Pretax return on assets | 0.7328% | 4,433 |
| Return on Equity (ROE) | 1.8934% | 5,969 |
| Retained earnings to average equity (ytd only) | 1.8934% | 5,047 |
| Net charge-offs to loans | 0.1644% | 2,414 |
| Credit loss provision to net charge-offs | 69.0476% | 2,312 |
| Earnings coverage of net charge-offs (x) | 6.4286% | 2,219 |
| Efficiency ratio | 86.4852% | 1,460 |
| Assets per employee ($millions) | 3.6092% | 4,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6266% | 6,673 |
| Loan loss allowance to noncurrent loans | 20.3739% | 6,337 |
| Noncurrent assets plus other real estate owned to assets | 3.4880% | 1,221 |
| Noncurrent loans to loans | 3.0753% | 1,625 |
| Net loans and leases to total assets | 78.4900% | 563 |
| Net loans and leases to deposits | 102.6048% | 264 |
| Net loans and leases to core deposits | 106.7662% | 617 |
| Total domestic deposits to total assets | 76.4973% | 6,307 |
| Equity capital to assets | 23.1602% | 123 |
| Core capital (leverage) ratio | 22.9535% | 113 |
| Tier 1 risk-based capital ratio | 27.2170% | 686 |
| Total risk-based capital ratio | 27.8063% | 730 |
| Memoranda: | ||
| Average total assets | $131,555,500 | 4,148 |
| Average earning assets | $126,398,500 | 4,010 |
| Average equity | $29,999,000 | 2,292 |
| Average total loans | $102,192,500 | 3,457 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9962% | 49 |
| Cost of funding earning assets | 0.4697% | 5,423 |
| Net interest margin | 7.5264% | 45 |
| Noninterest income to average assets | 0.2408% | 5,729 |
| Noninterest expense to average assets | 6.2017% | 205 |
| Loan and lease loss provision to assets | 0.5739% | 973 |
| Net operating income to assets | 0.1673% | 5,847 |
| Return on assets (ROA) | 0.1673% | 6,021 |
| Pretax return on assets | 0.6810% | 4,733 |
| Return on Equity (ROE) | 0.7164% | 6,182 |
| Retained earnings to average equity (ytd only) | 0.7164% | 5,511 |
| Net charge-offs to loans | 0.9143% | 1,236 |
| Credit loss provision to net charge-offs | 81.2846% | 3,784 |
| Earnings coverage of net charge-offs (x) | 1.7774% | 4,545 |
| Efficiency ratio | 82.2166% | 1,836 |
| Assets per employee ($millions) | 3.5048% | 4,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6447% | 6,708 |
| Loan loss allowance to noncurrent loans | 18.2070% | 6,432 |
| Noncurrent assets plus other real estate owned to assets | 3.5696% | 1,258 |
| Noncurrent loans to loans | 3.5407% | 1,402 |
| Net loans and leases to total assets | 75.9147% | 922 |
| Net loans and leases to deposits | 98.6342% | 476 |
| Net loans and leases to core deposits | 103.2896% | 823 |
| Total domestic deposits to total assets | 76.9659% | 6,230 |
| Equity capital to assets | 22.4552% | 144 |
| Core capital (leverage) ratio | 22.2301% | 130 |
| Tier 1 risk-based capital ratio | 27.1591% | 679 |
| Total risk-based capital ratio | 27.7636% | 719 |
| Memoranda: | ||
| Average total assets | $127,899,600 | 4,191 |
| Average earning assets | $122,621,400 | 4,049 |
| Average equity | $29,871,400 | 2,257 |
| Average total loans | $98,768,200 | 3,556 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.2704% | 43 |
| Cost of funding earning assets | 0.4708% | 5,629 |
| Net interest margin | 7.7996% | 38 |
| Noninterest income to average assets | 0.2865% | 5,494 |
| Noninterest expense to average assets | 6.1609% | 201 |
| Loan and lease loss provision to assets | 0.4287% | 1,486 |
| Net operating income to assets | 0.6352% | 4,213 |
| Return on assets (ROA) | 0.6352% | 4,464 |
| Pretax return on assets | 1.1650% | 3,110 |
| Return on Equity (ROE) | 2.6923% | 5,802 |
| Retained earnings to average equity (ytd only) | 2.6923% | 4,945 |
| Net charge-offs to loans | 1.0610% | 991 |
| Credit loss provision to net charge-offs | 52.1795% | 4,344 |
| Earnings coverage of net charge-offs (x) | 1.9397% | 4,292 |
| Efficiency ratio | 78.4569% | 2,327 |
| Assets per employee ($millions) | 3.4706% | 5,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4498% | 6,983 |
| Loan loss allowance to noncurrent loans | 11.5838% | 6,638 |
| Noncurrent assets plus other real estate owned to assets | 3.9163% | 1,244 |
| Noncurrent loans to loans | 3.8831% | 1,335 |
| Net loans and leases to total assets | 77.9010% | 746 |
| Net loans and leases to deposits | 102.5800% | 327 |
| Net loans and leases to core deposits | 107.6965% | 661 |
| Total domestic deposits to total assets | 75.9417% | 6,387 |
| Equity capital to assets | 23.5584% | 127 |
| Core capital (leverage) ratio | 23.2680% | 116 |
| Tier 1 risk-based capital ratio | 28.1526% | 647 |
| Total risk-based capital ratio | 28.5801% | 694 |
| Memoranda: | ||
| Average total assets | $126,579,250 | 4,261 |
| Average earning assets | $121,200,000 | 4,125 |
| Average equity | $29,862,750 | 2,274 |
| Average total loans | $98,020,250 | 3,611 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.3642% | 44 |
| Cost of funding earning assets | 0.4766% | 5,786 |
| Net interest margin | 7.8875% | 37 |
| Noninterest income to average assets | 0.3112% | 5,323 |
| Noninterest expense to average assets | 6.3302% | 192 |
| Loan and lease loss provision to assets | 0.6224% | 934 |
| Net operating income to assets | 0.5208% | 4,717 |
| Return on assets (ROA) | 0.5208% | 4,989 |
| Pretax return on assets | 0.9256% | 3,984 |
| Return on Equity (ROE) | 2.2063% | 5,983 |
| Retained earnings to average equity (ytd only) | 2.2063% | 5,087 |
| Net charge-offs to loans | 1.3560% | 767 |
| Credit loss provision to net charge-offs | 59.4841% | 3,811 |
| Earnings coverage of net charge-offs (x) | 1.4795% | 4,257 |
| Efficiency ratio | 79.2422% | 2,297 |
| Assets per employee ($millions) | 3.4141% | 5,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5696% | 6,962 |
| Loan loss allowance to noncurrent loans | 14.4973% | 6,648 |
| Noncurrent assets plus other real estate owned to assets | 3.6819% | 1,423 |
| Noncurrent loans to loans | 3.9287% | 1,414 |
| Net loans and leases to total assets | 77.1161% | 828 |
| Net loans and leases to deposits | 101.9861% | 341 |
| Net loans and leases to core deposits | 106.4926% | 719 |
| Total domestic deposits to total assets | 75.6143% | 6,515 |
| Equity capital to assets | 23.6740% | 119 |
| Core capital (leverage) ratio | 23.3792% | 111 |
| Tier 1 risk-based capital ratio | 28.5308% | 609 |
| Total risk-based capital ratio | 29.0720% | 638 |
| Memoranda: | ||
| Average total assets | $125,968,000 | 4,293 |
| Average earning assets | $120,849,000 | 4,151 |
| Average equity | $29,733,000 | 2,275 |
| Average total loans | $97,198,000 | 3,643 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 8.6755% | 40 |
| Cost of funding earning assets | 0.4936% | 5,857 |
| Net interest margin | 8.1819% | 33 |
| Noninterest income to average assets | 1.0239% | 1,361 |
| Noninterest expense to average assets | 6.0894% | 193 |
| Loan and lease loss provision to assets | 0.4770% | 1,281 |
| Net operating income to assets | 1.3292% | 1,378 |
| Return on assets (ROA) | 1.3292% | 1,538 |
| Pretax return on assets | 2.3118% | 446 |
| Return on Equity (ROE) | 5.6397% | 4,478 |
| Retained earnings to average equity (ytd only) | 5.6397% | 3,173 |
| Net charge-offs to loans | 0.6115% | 1,565 |
| Credit loss provision to net charge-offs | 101.3514% | 2,269 |
| Earnings coverage of net charge-offs (x) | 5.9257% | 2,279 |
| Efficiency ratio | 67.5860% | 4,255 |
| Assets per employee ($millions) | 3.2906% | 5,589 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8563% | 6,626 |
| Loan loss allowance to noncurrent loans | 12.8098% | 6,722 |
| Noncurrent assets plus other real estate owned to assets | 6.3917% | 712 |
| Noncurrent loans to loans | 6.6848% | 703 |
| Net loans and leases to total assets | 78.6449% | 530 |
| Net loans and leases to deposits | 104.7340% | 237 |
| Net loans and leases to core deposits | 110.1941% | 529 |
| Total domestic deposits to total assets | 75.0901% | 6,636 |
| Equity capital to assets | 24.5698% | 103 |
| Core capital (leverage) ratio | 24.2594% | 105 |
| Tier 1 risk-based capital ratio | 28.4646% | 608 |
| Total risk-based capital ratio | 29.2648% | 626 |
| Memoranda: | ||
| Average total assets | $125,792,000 | 4,330 |
| Average earning assets | $120,754,500 | 4,181 |
| Average equity | $29,647,000 | 2,285 |
| Average total loans | $96,811,500 | 3,667 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1572% | 83 |
| Cost of funding earning assets | 0.5554% | 6,314 |
| Net interest margin | 6.6017% | 64 |
| Noninterest income to average assets | 1.4456% | 622 |
| Noninterest expense to average assets | 5.4406% | 272 |
| Loan and lease loss provision to assets | 1.0643% | 863 |
| Net operating income to assets | 0.6267% | 3,848 |
| Return on assets (ROA) | 0.6267% | 4,050 |
| Pretax return on assets | 1.2701% | 2,237 |
| Return on Equity (ROE) | 2.9045% | 5,327 |
| Retained earnings to average equity (ytd only) | 2.9045% | 4,174 |
| Net charge-offs to loans | 0.8113% | 2,123 |
| Credit loss provision to net charge-offs | 186.8000% | 1,383 |
| Earnings coverage of net charge-offs (x) | 4.0973% | 3,270 |
| Efficiency ratio | 68.6077% | 4,230 |
| Assets per employee ($millions) | 3.8186% | 4,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8501% | 6,645 |
| Loan loss allowance to noncurrent loans | 15.4408% | 6,734 |
| Noncurrent assets plus other real estate owned to assets | 5.2737% | 985 |
| Noncurrent loans to loans | 5.5057% | 957 |
| Net loans and leases to total assets | 74.1106% | 1,258 |
| Net loans and leases to deposits | 96.3211% | 656 |
| Net loans and leases to core deposits | 102.7882% | 979 |
| Total domestic deposits to total assets | 76.9411% | 6,353 |
| Equity capital to assets | 22.6291% | 141 |
| Core capital (leverage) ratio | 22.3593% | 135 |
| Tier 1 risk-based capital ratio | 27.8524% | 635 |
| Total risk-based capital ratio | 28.5852% | 663 |
| Memoranda: | ||
| Average total assets | $131,639,400 | 4,136 |
| Average earning assets | $126,209,200 | 4,010 |
| Average equity | $28,404,000 | 2,304 |
| Average total loans | $92,447,800 | 3,800 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0936% | 89 |
| Cost of funding earning assets | 0.5661% | 6,444 |
| Net interest margin | 6.5275% | 63 |
| Noninterest income to average assets | 1.5020% | 581 |
| Noninterest expense to average assets | 5.4850% | 261 |
| Loan and lease loss provision to assets | 1.2476% | 615 |
| Net operating income to assets | 0.4492% | 4,785 |
| Return on assets (ROA) | 0.4492% | 4,977 |
| Pretax return on assets | 1.0195% | 3,331 |
| Return on Equity (ROE) | 2.1070% | 5,739 |
| Retained earnings to average equity (ytd only) | 2.1070% | 5,086 |
| Net charge-offs to loans | 0.6017% | 2,453 |
| Credit loss provision to net charge-offs | 300.0000% | 944 |
| Earnings coverage of net charge-offs (x) | 5.4514% | 2,778 |
| Efficiency ratio | 69.2969% | 4,077 |
| Assets per employee ($millions) | 3.9588% | 3,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0116% | 6,215 |
| Loan loss allowance to noncurrent loans | 20.0522% | 6,675 |
| Noncurrent assets plus other real estate owned to assets | 5.0981% | 1,128 |
| Noncurrent loans to loans | 5.0450% | 1,223 |
| Net loans and leases to total assets | 72.5523% | 1,598 |
| Net loans and leases to deposits | 92.7873% | 938 |
| Net loans and leases to core deposits | 98.4197% | 1,393 |
| Total domestic deposits to total assets | 78.1921% | 6,154 |
| Equity capital to assets | 21.1459% | 199 |
| Core capital (leverage) ratio | 20.8510% | 183 |
| Tier 1 risk-based capital ratio | 26.4473% | 790 |
| Total risk-based capital ratio | 27.3312% | 808 |
| Memoranda: | ||
| Average total assets | $132,091,000 | 4,149 |
| Average earning assets | $126,477,250 | 4,028 |
| Average equity | $28,160,000 | 2,323 |
| Average total loans | $91,298,500 | 3,858 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4131% | 76 |
| Cost of funding earning assets | 0.5748% | 6,562 |
| Net interest margin | 6.8383% | 56 |
| Noninterest income to average assets | 1.7813% | 431 |
| Noninterest expense to average assets | 5.7674% | 224 |
| Loan and lease loss provision to assets | 2.0144% | 301 |
| Net operating income to assets | 0.3246% | 5,272 |
| Return on assets (ROA) | 0.3246% | 5,408 |
| Pretax return on assets | 0.5440% | 4,923 |
| Return on Equity (ROE) | 1.5182% | 5,929 |
| Retained earnings to average equity (ytd only) | 1.5182% | 5,221 |
| Net charge-offs to loans | 2.9129% | 362 |
| Credit loss provision to net charge-offs | 102.1638% | 3,027 |
| Earnings coverage of net charge-offs (x) | 1.2975% | 4,316 |
| Efficiency ratio | 67.7343% | 4,567 |
| Assets per employee ($millions) | 3.7210% | 4,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2139% | 7,387 |
| Loan loss allowance to noncurrent loans | 4.8757% | 6,985 |
| Noncurrent assets plus other real estate owned to assets | 5.1245% | 1,191 |
| Noncurrent loans to loans | 4.3874% | 1,537 |
| Net loans and leases to total assets | 72.3510% | 1,718 |
| Net loans and leases to deposits | 93.0747% | 942 |
| Net loans and leases to core deposits | 98.4269% | 1,476 |
| Total domestic deposits to total assets | 77.7343% | 6,339 |
| Equity capital to assets | 21.6077% | 188 |
| Core capital (leverage) ratio | 21.3327% | 176 |
| Tier 1 risk-based capital ratio | 23.9758% | 1,010 |
| Total risk-based capital ratio | 24.0945% | 1,125 |
| Memoranda: | ||
| Average total assets | $131,255,330 | 4,199 |
| Average earning assets | $125,615,330 | 4,080 |
| Average equity | $28,059,330 | 2,308 |
| Average total loans | $88,847,330 | 3,969 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.9311% | 63 |
| Cost of funding earning assets | 0.5658% | 6,738 |
| Net interest margin | 7.3653% | 48 |
| Noninterest income to average assets | 1.7000% | 476 |
| Noninterest expense to average assets | 5.0423% | 353 |
| Loan and lease loss provision to assets | 1.0261% | 734 |
| Net operating income to assets | 1.5907% | 708 |
| Return on assets (ROA) | 1.5907% | 754 |
| Pretax return on assets | 2.7048% | 198 |
| Return on Equity (ROE) | 7.4808% | 3,155 |
| Retained earnings to average equity (ytd only) | 7.4808% | 1,949 |
| Net charge-offs to loans | 1.5711% | 863 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 3.6361% | 2,684 |
| Efficiency ratio | 56.0208% | 6,506 |
| Assets per employee ($millions) | 4.0161% | 3,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2066% | 7,442 |
| Loan loss allowance to noncurrent loans | 30.5263% | 6,273 |
| Noncurrent assets plus other real estate owned to assets | 2.1819% | 3,088 |
| Noncurrent loans to loans | 0.6769% | 5,672 |
| Net loans and leases to total assets | 65.3929% | 3,152 |
| Net loans and leases to deposits | 85.0425% | 1,869 |
| Net loans and leases to core deposits | 89.5661% | 2,399 |
| Total domestic deposits to total assets | 76.8943% | 6,550 |
| Equity capital to assets | 22.0163% | 171 |
| Core capital (leverage) ratio | 21.7930% | 164 |
| Tier 1 risk-based capital ratio | 25.4168% | 837 |
| Total risk-based capital ratio | 25.5161% | 934 |
| Memoranda: | ||
| Average total assets | $131,765,000 | 4,219 |
| Average earning assets | $126,540,000 | 4,098 |
| Average equity | $28,018,500 | 2,299 |
| Average total loans | $86,056,500 | 4,078 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9577% | 4,752 |
| Cost of funding earning assets | 0.2945% | 7,510 |
| Net interest margin | 4.6633% | 885 |
| Noninterest income to average assets | 2.7195% | 259 |
| Noninterest expense to average assets | 2.2780% | 6,418 |
| Loan and lease loss provision to assets | 0.4871% | 3,225 |
| Net operating income to assets | 2.6810% | 96 |
| Return on assets (ROA) | 2.6810% | 98 |
| Pretax return on assets | 4.4314% | 60 |
| Return on Equity (ROE) | 13.8730% | 910 |
| Retained earnings to average equity (ytd only) | 13.8730% | 168 |
| Net charge-offs to loans | 0.5516% | 3,407 |
| Credit loss provision to net charge-offs | 134.1176% | 2,909 |
| Earnings coverage of net charge-offs (x) | 13.5431% | 1,406 |
| Efficiency ratio | 30.8233% | 7,584 |
| Assets per employee ($millions) | 4.5005% | 2,870 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1980% | 7,527 |
| Loan loss allowance to noncurrent loans | 3.5003% | 7,135 |
| Noncurrent assets plus other real estate owned to assets | 5.0283% | 1,269 |
| Noncurrent loans to loans | 5.6553% | 1,148 |
| Net loans and leases to total assets | 64.9745% | 3,672 |
| Net loans and leases to deposits | 83.4080% | 2,549 |
| Net loans and leases to core deposits | 88.2112% | 3,026 |
| Total domestic deposits to total assets | 77.8997% | 6,336 |
| Equity capital to assets | 20.5479% | 230 |
| Core capital (leverage) ratio | 20.3198% | 220 |
| Tier 1 risk-based capital ratio | 26.3376% | 729 |
| Total risk-based capital ratio | 26.4425% | 807 |
| Memoranda: | ||
| Average total assets | $140,431,000 | 4,049 |
| Average earning assets | $134,819,500 | 3,913 |
| Average equity | $27,139,000 | 2,368 |
| Average total loans | $92,450,000 | 3,994 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5302% | 7,671 |
| Cost of funding earning assets | 0.2064% | 7,674 |
| Net interest margin | 2.3238% | 7,475 |
| Noninterest income to average assets | 2.8614% | 227 |
| Noninterest expense to average assets | 1.3210% | 7,630 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 2.2791% | 198 |
| Return on assets (ROA) | 2.2791% | 213 |
| Pretax return on assets | 3.7637% | 80 |
| Return on Equity (ROE) | 12.5265% | 1,380 |
| Retained earnings to average equity (ytd only) | 12.5265% | 397 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 25.9799% | 7,703 |
| Assets per employee ($millions) | 5.2088% | 1,927 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 7,691 |
| Loan loss allowance to noncurrent loans | 0.0000% | 7,261 |
| Noncurrent assets plus other real estate owned to assets | 5.9090% | 1,016 |
| Noncurrent loans to loans | 5.8753% | 1,090 |
| Net loans and leases to total assets | 66.5085% | 3,571 |
| Net loans and leases to deposits | 84.4043% | 2,640 |
| Net loans and leases to core deposits | 84.5736% | 3,866 |
| Total domestic deposits to total assets | 78.7975% | 6,066 |
| Equity capital to assets | 18.1938% | 401 |
| Core capital (leverage) ratio | 17.8982% | 358 |
| Tier 1 risk-based capital ratio | 23.0446% | 1,063 |
| Total risk-based capital ratio | 23.0446% | 1,213 |
| Memoranda: | ||
| Average total assets | $145,846,000 | 4,006 |
| Average earning assets | $139,540,000 | 3,882 |
| Average equity | $26,535,000 | 2,456 |
| Average total loans | $97,000,000 | 3,943 |