Home > Capital Bank of New Jersey > Performance and Condition Ratios
Capital Bank of New Jersey, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2079% | 3,425 |
| Cost of funding earning assets | 0.4571% | 3,631 |
| Net interest margin | 3.7508% | 2,854 |
| Noninterest income to average assets | 0.3252% | 3,926 |
| Noninterest expense to average assets | 2.1662% | 4,412 |
| Loan and lease loss provision to assets | -0.0860% | 5,249 |
| Net operating income to assets | 1.4057% | 1,413 |
| Return on assets (ROA) | 1.4042% | 1,405 |
| Pretax return on assets | 1.7612% | 1,021 |
| Return on Equity (ROE) | 15.1840% | 782 |
| Retained earnings to average equity (ytd only) | 12.9465% | 239 |
| Net charge-offs to loans | -0.1965% | 5,266 |
| Credit loss provision to net charge-offs | 67.3077% | 3,025 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3638% | 4,360 |
| Assets per employee ($millions) | 7.4422% | 820 |
| Cash dividends to net income (ytd only)* | 14.7355% | 3,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6207% | 986 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 61.2549% | 3,637 |
| Net loans and leases to deposits | 68.0226% | 3,976 |
| Net loans and leases to core deposits | 72.7366% | 3,938 |
| Total domestic deposits to total assets | 90.0507% | 461 |
| Equity capital to assets | 9.4893% | 4,142 |
| Core capital (leverage) ratio | 9.4771% | 4,139 |
| Tier 1 risk-based capital ratio | 13.0568% | 3,817 |
| Total risk-based capital ratio | 14.3080% | 3,706 |
| Memoranda: | ||
| Average total assets | $488,599,600 | 1,440 |
| Average earning assets | $458,278,400 | 1,421 |
| Average equity | $45,185,800 | 1,658 |
| Average total loans | $317,581,800 | 1,521 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1831% | 3,374 |
| Cost of funding earning assets | 0.4372% | 3,616 |
| Net interest margin | 3.7459% | 2,843 |
| Noninterest income to average assets | 0.3521% | 3,778 |
| Noninterest expense to average assets | 2.1493% | 4,429 |
| Loan and lease loss provision to assets | -0.1161% | 5,359 |
| Net operating income to assets | 1.4517% | 1,320 |
| Return on assets (ROA) | 1.4497% | 1,329 |
| Pretax return on assets | 1.8265% | 951 |
| Return on Equity (ROE) | 15.7859% | 730 |
| Retained earnings to average equity (ytd only) | 12.7431% | 388 |
| Net charge-offs to loans | -0.2599% | 5,340 |
| Credit loss provision to net charge-offs | 67.9612% | 2,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6502% | 4,431 |
| Assets per employee ($millions) | 7.0758% | 906 |
| Cash dividends to net income (ytd only)* | 19.2755% | 3,042 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6514% | 963 |
| Loan loss allowance to noncurrent loans | 15,684.8485% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0067% | 4,990 |
| Noncurrent loans to loans | 0.0105% | 4,875 |
| Net loans and leases to total assets | 62.2339% | 3,630 |
| Net loans and leases to deposits | 69.0767% | 3,985 |
| Net loans and leases to core deposits | 74.0294% | 3,945 |
| Total domestic deposits to total assets | 90.0938% | 481 |
| Equity capital to assets | 9.3060% | 4,267 |
| Core capital (leverage) ratio | 9.6789% | 3,967 |
| Tier 1 risk-based capital ratio | 12.7864% | 4,032 |
| Total risk-based capital ratio | 14.0380% | 3,928 |
| Memoranda: | ||
| Average total assets | $482,370,750 | 1,455 |
| Average earning assets | $451,997,250 | 1,446 |
| Average equity | $44,300,000 | 1,687 |
| Average total loans | $317,043,500 | 1,530 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1418% | 3,311 |
| Cost of funding earning assets | 0.4111% | 3,645 |
| Net interest margin | 3.7306% | 2,822 |
| Noninterest income to average assets | 0.3075% | 4,113 |
| Noninterest expense to average assets | 2.1663% | 4,448 |
| Loan and lease loss provision to assets | 0.0879% | 2,159 |
| Net operating income to assets | 1.2647% | 1,915 |
| Return on assets (ROA) | 1.2630% | 1,927 |
| Pretax return on assets | 1.5437% | 1,671 |
| Return on Equity (ROE) | 13.8162% | 1,124 |
| Retained earnings to average equity (ytd only) | 11.5097% | 585 |
| Net charge-offs to loans | -0.0019% | 3,939 |
| Credit loss provision to net charge-offs | -7,000.0000% | 4,776 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0076% | 4,360 |
| Assets per employee ($millions) | 6.7103% | 1,068 |
| Cash dividends to net income (ytd only)* | 16.6943% | 3,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5782% | 1,163 |
| Loan loss allowance to noncurrent loans | 15,730.3030% | 57 |
| Noncurrent assets plus other real estate owned to assets | 0.0482% | 4,789 |
| Noncurrent loans to loans | 0.0100% | 4,909 |
| Net loans and leases to total assets | 67.0043% | 3,011 |
| Net loans and leases to deposits | 78.1477% | 3,143 |
| Net loans and leases to core deposits | 83.6223% | 3,112 |
| Total domestic deposits to total assets | 85.7405% | 2,398 |
| Equity capital to assets | 9.2334% | 4,352 |
| Core capital (leverage) ratio | 9.4955% | 4,118 |
| Tier 1 risk-based capital ratio | 11.8918% | 4,566 |
| Total risk-based capital ratio | 13.1429% | 4,446 |
| Memoranda: | ||
| Average total assets | $478,059,000 | 1,473 |
| Average earning assets | $447,537,330 | 1,459 |
| Average equity | $43,702,330 | 1,714 |
| Average total loans | $318,250,000 | 1,533 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0534% | 3,399 |
| Cost of funding earning assets | 0.3399% | 4,066 |
| Net interest margin | 3.7134% | 2,751 |
| Noninterest income to average assets | 0.2448% | 4,535 |
| Noninterest expense to average assets | 2.1568% | 4,520 |
| Loan and lease loss provision to assets | 0.0883% | 2,036 |
| Net operating income to assets | 1.2107% | 1,960 |
| Return on assets (ROA) | 1.2079% | 1,978 |
| Pretax return on assets | 1.4788% | 1,730 |
| Return on Equity (ROE) | 13.2814% | 1,189 |
| Retained earnings to average equity (ytd only) | 8.6200% | 1,612 |
| Net charge-offs to loans | -0.0473% | 4,944 |
| Credit loss provision to net charge-offs | -283.7838% | 3,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8650% | 4,356 |
| Assets per employee ($millions) | 6.7291% | 1,075 |
| Cash dividends to net income (ytd only)* | 35.0975% | 1,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6156% | 1,122 |
| Loan loss allowance to noncurrent loans | 6,095.2381% | 136 |
| Noncurrent assets plus other real estate owned to assets | 0.0795% | 4,690 |
| Noncurrent loans to loans | 0.0265% | 4,860 |
| Net loans and leases to total assets | 65.2610% | 3,139 |
| Net loans and leases to deposits | 75.4185% | 3,279 |
| Net loans and leases to core deposits | 88.1078% | 2,621 |
| Total domestic deposits to total assets | 86.5319% | 2,301 |
| Equity capital to assets | 9.0199% | 4,533 |
| Core capital (leverage) ratio | 9.3069% | 4,315 |
| Tier 1 risk-based capital ratio | 11.7324% | 4,725 |
| Total risk-based capital ratio | 12.9837% | 4,604 |
| Memoranda: | ||
| Average total assets | $475,519,500 | 1,491 |
| Average earning assets | $445,948,000 | 1,473 |
| Average equity | $43,248,500 | 1,739 |
| Average total loans | $312,918,000 | 1,545 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9084% | 3,696 |
| Cost of funding earning assets | 0.2961% | 4,174 |
| Net interest margin | 3.6123% | 3,127 |
| Noninterest income to average assets | 0.3273% | 4,129 |
| Noninterest expense to average assets | 2.1050% | 4,748 |
| Loan and lease loss provision to assets | 0.0693% | 2,814 |
| Net operating income to assets | 0.9838% | 2,312 |
| Return on assets (ROA) | 0.9930% | 2,313 |
| Pretax return on assets | 1.5490% | 1,453 |
| Return on Equity (ROE) | 10.9705% | 1,499 |
| Retained earnings to average equity (ytd only) | 8.8514% | 535 |
| Net charge-offs to loans | -0.0449% | 5,157 |
| Credit loss provision to net charge-offs | -248.0916% | 4,839 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.7533% | 4,687 |
| Assets per employee ($millions) | 6.9599% | 984 |
| Cash dividends to net income (ytd only)* | 19.3167% | 3,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6114% | 1,117 |
| Loan loss allowance to noncurrent loans | 5,856.4706% | 160 |
| Noncurrent assets plus other real estate owned to assets | 0.0805% | 4,713 |
| Noncurrent loans to loans | 0.0275% | 4,890 |
| Net loans and leases to total assets | 64.2215% | 3,344 |
| Net loans and leases to deposits | 71.0220% | 3,787 |
| Net loans and leases to core deposits | 83.2103% | 3,136 |
| Total domestic deposits to total assets | 90.4248% | 420 |
| Equity capital to assets | 9.1708% | 4,556 |
| Core capital (leverage) ratio | 9.0193% | 4,627 |
| Tier 1 risk-based capital ratio | 11.8177% | 4,649 |
| Total risk-based capital ratio | 13.0689% | 4,536 |
| Memoranda: | ||
| Average total assets | $468,689,400 | 1,481 |
| Average earning assets | $438,774,800 | 1,478 |
| Average equity | $42,422,800 | 1,753 |
| Average total loans | $292,026,400 | 1,601 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8650% | 3,783 |
| Cost of funding earning assets | 0.2985% | 4,148 |
| Net interest margin | 3.5665% | 3,270 |
| Noninterest income to average assets | 0.3371% | 4,120 |
| Noninterest expense to average assets | 2.0552% | 4,838 |
| Loan and lease loss provision to assets | 0.0428% | 3,246 |
| Net operating income to assets | 1.1440% | 1,897 |
| Return on assets (ROA) | 1.1578% | 1,895 |
| Pretax return on assets | 1.5978% | 1,434 |
| Return on Equity (ROE) | 12.8343% | 1,092 |
| Retained earnings to average equity (ytd only) | 9.9924% | 588 |
| Net charge-offs to loans | -0.2340% | 5,571 |
| Credit loss provision to net charge-offs | -29.7030% | 4,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.8985% | 4,755 |
| Assets per employee ($millions) | 7.4192% | 788 |
| Cash dividends to net income (ytd only)* | 22.1429% | 3,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7187% | 993 |
| Loan loss allowance to noncurrent loans | 5,816.8539% | 140 |
| Noncurrent assets plus other real estate owned to assets | 0.0786% | 4,847 |
| Noncurrent loans to loans | 0.0295% | 4,994 |
| Net loans and leases to total assets | 60.4586% | 3,811 |
| Net loans and leases to deposits | 66.8193% | 4,195 |
| Net loans and leases to core deposits | 77.2013% | 3,708 |
| Total domestic deposits to total assets | 90.4807% | 336 |
| Equity capital to assets | 9.1441% | 4,783 |
| Core capital (leverage) ratio | 9.3982% | 4,295 |
| Tier 1 risk-based capital ratio | 12.0114% | 4,608 |
| Total risk-based capital ratio | 13.2631% | 4,499 |
| Memoranda: | ||
| Average total assets | $467,543,500 | 1,498 |
| Average earning assets | $437,803,500 | 1,490 |
| Average equity | $42,177,750 | 1,780 |
| Average total loans | $287,802,750 | 1,627 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8176% | 3,834 |
| Cost of funding earning assets | 0.3078% | 4,009 |
| Net interest margin | 3.5098% | 3,361 |
| Noninterest income to average assets | 0.3677% | 3,923 |
| Noninterest expense to average assets | 2.0514% | 4,875 |
| Loan and lease loss provision to assets | 0.0326% | 3,346 |
| Net operating income to assets | 1.1481% | 1,784 |
| Return on assets (ROA) | 1.1713% | 1,738 |
| Pretax return on assets | 1.6016% | 1,340 |
| Return on Equity (ROE) | 13.0472% | 1,026 |
| Retained earnings to average equity (ytd only) | 10.8831% | 457 |
| Net charge-offs to loans | -0.2675% | 5,619 |
| Credit loss provision to net charge-offs | -19.7889% | 4,234 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1437% | 4,814 |
| Assets per employee ($millions) | 6.7374% | 1,040 |
| Cash dividends to net income (ytd only)* | 16.5863% | 3,229 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7051% | 1,049 |
| Loan loss allowance to noncurrent loans | 1,829.4118% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.0792% | 4,882 |
| Noncurrent loans to loans | 0.0932% | 4,753 |
| Net loans and leases to total assets | 61.7047% | 3,665 |
| Net loans and leases to deposits | 69.9858% | 3,916 |
| Net loans and leases to core deposits | 83.5543% | 3,118 |
| Total domestic deposits to total assets | 88.1675% | 1,373 |
| Equity capital to assets | 9.3330% | 4,583 |
| Core capital (leverage) ratio | 9.2719% | 4,394 |
| Tier 1 risk-based capital ratio | 12.1396% | 4,538 |
| Total risk-based capital ratio | 13.3915% | 4,418 |
| Memoranda: | ||
| Average total assets | $460,168,330 | 1,527 |
| Average earning assets | $430,851,000 | 1,515 |
| Average equity | $41,311,670 | 1,818 |
| Average total loans | $283,329,000 | 1,647 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7813% | 3,824 |
| Cost of funding earning assets | 0.3004% | 4,042 |
| Net interest margin | 3.4809% | 3,348 |
| Noninterest income to average assets | 0.4098% | 3,589 |
| Noninterest expense to average assets | 2.0270% | 4,990 |
| Loan and lease loss provision to assets | 0.0655% | 2,488 |
| Net operating income to assets | 1.1236% | 1,780 |
| Return on assets (ROA) | 1.1236% | 1,816 |
| Pretax return on assets | 1.5771% | 1,296 |
| Return on Equity (ROE) | 12.7725% | 1,045 |
| Retained earnings to average equity (ytd only) | 8.3329% | 1,333 |
| Net charge-offs to loans | -0.0201% | 4,747 |
| Credit loss provision to net charge-offs | -535.7143% | 4,266 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2381% | 5,018 |
| Assets per employee ($millions) | 7.0459% | 934 |
| Cash dividends to net income (ytd only)* | 34.7589% | 2,168 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6447% | 1,261 |
| Loan loss allowance to noncurrent loans | 1,127.3839% | 552 |
| Noncurrent assets plus other real estate owned to assets | 0.0866% | 4,930 |
| Noncurrent loans to loans | 0.1459% | 4,603 |
| Net loans and leases to total assets | 58.4107% | 3,934 |
| Net loans and leases to deposits | 68.5079% | 3,939 |
| Net loans and leases to core deposits | 82.4498% | 3,048 |
| Total domestic deposits to total assets | 85.2612% | 2,979 |
| Equity capital to assets | 8.8260% | 4,976 |
| Core capital (leverage) ratio | 9.1803% | 4,508 |
| Tier 1 risk-based capital ratio | 11.7458% | 4,886 |
| Total risk-based capital ratio | 12.9962% | 4,787 |
| Memoranda: | ||
| Average total assets | $457,813,000 | 1,544 |
| Average earning assets | $428,736,500 | 1,530 |
| Average equity | $40,274,000 | 1,860 |
| Average total loans | $279,079,500 | 1,678 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9599% | 3,344 |
| Cost of funding earning assets | 0.2877% | 4,193 |
| Net interest margin | 3.6722% | 2,809 |
| Noninterest income to average assets | 0.2491% | 4,933 |
| Noninterest expense to average assets | 2.1536% | 4,881 |
| Loan and lease loss provision to assets | 0.1210% | 2,040 |
| Net operating income to assets | 0.9824% | 2,428 |
| Return on assets (ROA) | 1.0102% | 2,406 |
| Pretax return on assets | 1.4503% | 1,751 |
| Return on Equity (ROE) | 10.7050% | 1,689 |
| Retained earnings to average equity (ytd only) | 9.7456% | 458 |
| Net charge-offs to loans | 0.1751% | 1,567 |
| Credit loss provision to net charge-offs | 108.6957% | 2,415 |
| Earnings coverage of net charge-offs (x) | 13.7543% | 2,347 |
| Efficiency ratio | 58.4379% | 4,798 |
| Assets per employee ($millions) | 6.6202% | 1,092 |
| Cash dividends to net income (ytd only)* | 8.9624% | 4,037 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6277% | 1,309 |
| Loan loss allowance to noncurrent loans | 730.5331% | 777 |
| Noncurrent assets plus other real estate owned to assets | 0.1396% | 4,752 |
| Noncurrent loans to loans | 0.2228% | 4,354 |
| Net loans and leases to total assets | 61.6127% | 3,654 |
| Net loans and leases to deposits | 69.1866% | 3,987 |
| Net loans and leases to core deposits | 81.5255% | 3,249 |
| Total domestic deposits to total assets | 89.0529% | 1,090 |
| Equity capital to assets | 8.7663% | 5,050 |
| Core capital (leverage) ratio | 8.8021% | 4,963 |
| Tier 1 risk-based capital ratio | 11.6271% | 4,971 |
| Total risk-based capital ratio | 12.8777% | 4,876 |
| Memoranda: | ||
| Average total assets | $413,082,000 | 1,636 |
| Average earning assets | $386,522,400 | 1,619 |
| Average equity | $38,981,800 | 1,880 |
| Average total loans | $262,632,200 | 1,716 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9921% | 3,253 |
| Cost of funding earning assets | 0.2848% | 4,257 |
| Net interest margin | 3.7073% | 2,693 |
| Noninterest income to average assets | 0.2463% | 5,000 |
| Noninterest expense to average assets | 2.1775% | 4,822 |
| Loan and lease loss provision to assets | 0.0888% | 2,453 |
| Net operating income to assets | 1.0032% | 2,415 |
| Return on assets (ROA) | 1.0404% | 2,366 |
| Pretax return on assets | 1.5008% | 1,709 |
| Return on Equity (ROE) | 10.8150% | 1,742 |
| Retained earnings to average equity (ytd only) | 9.5366% | 680 |
| Net charge-offs to loans | 0.2447% | 958 |
| Credit loss provision to net charge-offs | 56.8421% | 2,949 |
| Earnings coverage of net charge-offs (x) | 9.8315% | 2,647 |
| Efficiency ratio | 58.6433% | 4,729 |
| Assets per employee ($millions) | 6.7889% | 969 |
| Cash dividends to net income (ytd only)* | 11.8204% | 3,503 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5776% | 1,543 |
| Loan loss allowance to noncurrent loans | 1,119.6335% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0853% | 5,102 |
| Noncurrent loans to loans | 0.1409% | 4,778 |
| Net loans and leases to total assets | 59.5530% | 3,933 |
| Net loans and leases to deposits | 65.8259% | 4,364 |
| Net loans and leases to core deposits | 78.0985% | 3,658 |
| Total domestic deposits to total assets | 90.4705% | 330 |
| Equity capital to assets | 9.0644% | 5,112 |
| Core capital (leverage) ratio | 9.1273% | 4,684 |
| Tier 1 risk-based capital ratio | 11.4763% | 5,102 |
| Total risk-based capital ratio | 12.7265% | 5,014 |
| Memoranda: | ||
| Average total assets | $405,464,250 | 1,664 |
| Average earning assets | $379,171,500 | 1,644 |
| Average equity | $39,006,500 | 1,892 |
| Average total loans | $258,838,500 | 1,743 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0251% | 3,163 |
| Cost of funding earning assets | 0.2866% | 4,281 |
| Net interest margin | 3.7384% | 2,559 |
| Noninterest income to average assets | 0.2489% | 4,991 |
| Noninterest expense to average assets | 2.2379% | 4,760 |
| Loan and lease loss provision to assets | 0.0920% | 2,311 |
| Net operating income to assets | 0.9855% | 2,450 |
| Return on assets (ROA) | 1.0402% | 2,344 |
| Pretax return on assets | 1.4911% | 1,694 |
| Return on Equity (ROE) | 10.5796% | 1,814 |
| Retained earnings to average equity (ytd only) | 8.6352% | 956 |
| Net charge-offs to loans | -0.0322% | 5,157 |
| Credit loss provision to net charge-offs | -439.0244% | 4,907 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7924% | 4,669 |
| Assets per employee ($millions) | 6.4012% | 1,132 |
| Cash dividends to net income (ytd only)* | 18.3784% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8509% | 982 |
| Loan loss allowance to noncurrent loans | 335.2103% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.3425% | 4,118 |
| Noncurrent loans to loans | 0.5522% | 3,410 |
| Net loans and leases to total assets | 60.8734% | 3,766 |
| Net loans and leases to deposits | 67.6867% | 4,208 |
| Net loans and leases to core deposits | 75.0973% | 3,901 |
| Total domestic deposits to total assets | 89.9340% | 516 |
| Equity capital to assets | 9.6513% | 4,613 |
| Core capital (leverage) ratio | 9.7161% | 3,906 |
| Tier 1 risk-based capital ratio | 12.1807% | 4,712 |
| Total risk-based capital ratio | 13.4339% | 4,633 |
| Memoranda: | ||
| Average total assets | $391,262,330 | 1,724 |
| Average earning assets | $365,660,000 | 1,704 |
| Average equity | $38,470,330 | 1,914 |
| Average total loans | $254,746,000 | 1,772 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1171% | 2,789 |
| Cost of funding earning assets | 0.2866% | 4,316 |
| Net interest margin | 3.8305% | 2,180 |
| Noninterest income to average assets | 0.2387% | 5,035 |
| Noninterest expense to average assets | 2.2939% | 4,681 |
| Loan and lease loss provision to assets | 0.0942% | 2,118 |
| Net operating income to assets | 0.9977% | 2,290 |
| Return on assets (ROA) | 1.1098% | 1,967 |
| Pretax return on assets | 1.5935% | 1,315 |
| Return on Equity (ROE) | 11.1767% | 1,540 |
| Retained earnings to average equity (ytd only) | 7.2332% | 1,777 |
| Net charge-offs to loans | -0.0549% | 5,374 |
| Credit loss provision to net charge-offs | -257.1429% | 4,393 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0274% | 4,745 |
| Assets per employee ($millions) | 6.2272% | 1,258 |
| Cash dividends to net income (ytd only)* | 35.2830% | 2,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7940% | 1,162 |
| Loan loss allowance to noncurrent loans | 762.7483% | 714 |
| Noncurrent assets plus other real estate owned to assets | 0.1564% | 4,950 |
| Noncurrent loans to loans | 0.2352% | 4,589 |
| Net loans and leases to total assets | 65.3205% | 3,059 |
| Net loans and leases to deposits | 73.0790% | 3,543 |
| Net loans and leases to core deposits | 80.1295% | 3,305 |
| Total domestic deposits to total assets | 89.3835% | 901 |
| Equity capital to assets | 9.9713% | 4,113 |
| Core capital (leverage) ratio | 9.8052% | 3,766 |
| Tier 1 risk-based capital ratio | 12.2388% | 4,759 |
| Total risk-based capital ratio | 13.4916% | 4,659 |
| Memoranda: | ||
| Average total assets | $382,056,000 | 1,755 |
| Average earning assets | $357,343,000 | 1,736 |
| Average equity | $37,936,000 | 1,932 |
| Average total loans | $255,076,000 | 1,764 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1860% | 2,605 |
| Cost of funding earning assets | 0.2938% | 4,322 |
| Net interest margin | 3.8921% | 2,056 |
| Noninterest income to average assets | 0.3174% | 4,626 |
| Noninterest expense to average assets | 2.3052% | 4,775 |
| Loan and lease loss provision to assets | 0.1513% | 1,559 |
| Net operating income to assets | 1.0429% | 2,158 |
| Return on assets (ROA) | 1.0671% | 2,132 |
| Pretax return on assets | 1.5052% | 1,539 |
| Return on Equity (ROE) | 10.7452% | 1,711 |
| Retained earnings to average equity (ytd only) | 9.8784% | 477 |
| Net charge-offs to loans | 0.1216% | 2,162 |
| Credit loss provision to net charge-offs | 192.3077% | 1,437 |
| Earnings coverage of net charge-offs (x) | 20.6259% | 1,868 |
| Efficiency ratio | 58.6934% | 5,067 |
| Assets per employee ($millions) | 6.0004% | 1,388 |
| Cash dividends to net income (ytd only)* | 8.0670% | 4,118 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7691% | 1,196 |
| Loan loss allowance to noncurrent loans | 717.1200% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.1653% | 4,944 |
| Noncurrent loans to loans | 0.2467% | 4,550 |
| Net loans and leases to total assets | 65.8340% | 3,006 |
| Net loans and leases to deposits | 73.3941% | 3,564 |
| Net loans and leases to core deposits | 80.7560% | 3,271 |
| Total domestic deposits to total assets | 89.6994% | 751 |
| Equity capital to assets | 9.8866% | 4,091 |
| Core capital (leverage) ratio | 9.6479% | 3,984 |
| Tier 1 risk-based capital ratio | 12.3332% | 4,742 |
| Total risk-based capital ratio | 13.5862% | 4,630 |
| Memoranda: | ||
| Average total assets | $363,611,800 | 1,800 |
| Average earning assets | $337,270,000 | 1,800 |
| Average equity | $36,109,000 | 1,977 |
| Average total loans | $235,261,400 | 1,836 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2034% | 2,564 |
| Cost of funding earning assets | 0.2938% | 4,406 |
| Net interest margin | 3.9096% | 2,001 |
| Noninterest income to average assets | 0.3270% | 4,595 |
| Noninterest expense to average assets | 2.3203% | 4,733 |
| Loan and lease loss provision to assets | 0.1296% | 1,742 |
| Net operating income to assets | 1.0579% | 2,184 |
| Return on assets (ROA) | 1.0948% | 2,114 |
| Pretax return on assets | 1.5458% | 1,554 |
| Return on Equity (ROE) | 11.0113% | 1,706 |
| Retained earnings to average equity (ytd only) | 9.8453% | 662 |
| Net charge-offs to loans | 0.1653% | 1,496 |
| Credit loss provision to net charge-offs | 122.3776% | 1,953 |
| Earnings coverage of net charge-offs (x) | 15.3288% | 2,188 |
| Efficiency ratio | 58.8318% | 5,025 |
| Assets per employee ($millions) | 5.7636% | 1,537 |
| Cash dividends to net income (ytd only)* | 10.5886% | 3,564 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7672% | 1,327 |
| Loan loss allowance to noncurrent loans | 977.6256% | 592 |
| Noncurrent assets plus other real estate owned to assets | 0.1659% | 5,091 |
| Noncurrent loans to loans | 0.1808% | 4,921 |
| Net loans and leases to total assets | 64.5274% | 3,223 |
| Net loans and leases to deposits | 74.2384% | 3,522 |
| Net loans and leases to core deposits | 81.6837% | 3,285 |
| Total domestic deposits to total assets | 86.9193% | 2,084 |
| Equity capital to assets | 9.9064% | 4,278 |
| Core capital (leverage) ratio | 9.7329% | 3,995 |
| Tier 1 risk-based capital ratio | 12.4378% | 4,802 |
| Total risk-based capital ratio | 13.6909% | 4,705 |
| Memoranda: | ||
| Average total assets | $360,008,500 | 1,830 |
| Average earning assets | $333,054,000 | 1,835 |
| Average equity | $35,792,750 | 2,002 |
| Average total loans | $230,739,000 | 1,871 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1794% | 2,620 |
| Cost of funding earning assets | 0.2980% | 4,416 |
| Net interest margin | 3.8813% | 2,046 |
| Noninterest income to average assets | 0.3344% | 4,563 |
| Noninterest expense to average assets | 2.3240% | 4,786 |
| Loan and lease loss provision to assets | 0.1372% | 1,595 |
| Net operating income to assets | 1.0382% | 2,181 |
| Return on assets (ROA) | 1.1102% | 1,994 |
| Pretax return on assets | 1.5633% | 1,442 |
| Return on Equity (ROE) | 11.1527% | 1,631 |
| Retained earnings to average equity (ytd only) | 9.3914% | 804 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2376% | 5,085 |
| Assets per employee ($millions) | 5.6613% | 1,607 |
| Cash dividends to net income (ytd only)* | 15.7921% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8578% | 1,252 |
| Loan loss allowance to noncurrent loans | 547.6074% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.3077% | 4,650 |
| Noncurrent loans to loans | 0.3393% | 4,471 |
| Net loans and leases to total assets | 65.0696% | 3,111 |
| Net loans and leases to deposits | 79.4600% | 2,855 |
| Net loans and leases to core deposits | 86.8358% | 2,671 |
| Total domestic deposits to total assets | 81.8898% | 4,328 |
| Equity capital to assets | 9.9249% | 4,123 |
| Core capital (leverage) ratio | 9.6623% | 4,053 |
| Tier 1 risk-based capital ratio | 12.4180% | 4,867 |
| Total risk-based capital ratio | 13.6718% | 4,778 |
| Memoranda: | ||
| Average total assets | $357,054,330 | 1,864 |
| Average earning assets | $330,146,670 | 1,862 |
| Average equity | $35,543,000 | 2,024 |
| Average total loans | $226,883,670 | 1,908 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1045% | 2,812 |
| Cost of funding earning assets | 0.2966% | 4,478 |
| Net interest margin | 3.8080% | 2,204 |
| Noninterest income to average assets | 0.2336% | 5,291 |
| Noninterest expense to average assets | 2.2380% | 5,049 |
| Loan and lease loss provision to assets | 0.1185% | 1,747 |
| Net operating income to assets | 1.0020% | 2,262 |
| Return on assets (ROA) | 1.0710% | 2,091 |
| Pretax return on assets | 1.4943% | 1,584 |
| Return on Equity (ROE) | 10.7430% | 1,720 |
| Retained earnings to average equity (ytd only) | 7.1998% | 1,924 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.6032% | 5,144 |
| Assets per employee ($millions) | 5.9255% | 1,447 |
| Cash dividends to net income (ytd only)* | 32.9821% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9280% | 1,230 |
| Loan loss allowance to noncurrent loans | 1,143.6508% | 479 |
| Noncurrent assets plus other real estate owned to assets | 0.2653% | 4,880 |
| Noncurrent loans to loans | 0.1686% | 5,165 |
| Net loans and leases to total assets | 60.8376% | 3,548 |
| Net loans and leases to deposits | 72.3673% | 3,502 |
| Net loans and leases to core deposits | 78.5970% | 3,320 |
| Total domestic deposits to total assets | 84.0678% | 3,798 |
| Equity capital to assets | 9.9138% | 4,248 |
| Core capital (leverage) ratio | 9.9337% | 3,691 |
| Tier 1 risk-based capital ratio | 12.5428% | 4,879 |
| Total risk-based capital ratio | 13.7965% | 4,788 |
| Memoranda: | ||
| Average total assets | $354,421,000 | 1,877 |
| Average earning assets | $327,734,000 | 1,881 |
| Average equity | $35,334,500 | 2,047 |
| Average total loans | $220,213,500 | 1,934 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4644% | 2,013 |
| Cost of funding earning assets | 0.3494% | 4,260 |
| Net interest margin | 4.1150% | 1,533 |
| Noninterest income to average assets | 0.2349% | 5,454 |
| Noninterest expense to average assets | 2.3759% | 4,903 |
| Loan and lease loss provision to assets | 0.0588% | 3,358 |
| Net operating income to assets | 1.0910% | 2,010 |
| Return on assets (ROA) | 1.0457% | 2,257 |
| Pretax return on assets | 1.5419% | 1,407 |
| Return on Equity (ROE) | 11.1369% | 1,679 |
| Retained earnings to average equity (ytd only) | 10.3604% | 462 |
| Net charge-offs to loans | 0.0332% | 4,165 |
| Credit loss provision to net charge-offs | 281.6901% | 902 |
| Earnings coverage of net charge-offs (x) | 79.8873% | 625 |
| Efficiency ratio | 58.7611% | 5,370 |
| Assets per employee ($millions) | 5.6949% | 1,611 |
| Cash dividends to net income (ytd only)* | 6.9722% | 4,203 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9509% | 1,198 |
| Loan loss allowance to noncurrent loans | 2,088.1188% | 315 |
| Noncurrent assets plus other real estate owned to assets | 0.2476% | 5,037 |
| Noncurrent loans to loans | 0.0934% | 5,518 |
| Net loans and leases to total assets | 61.0229% | 3,634 |
| Net loans and leases to deposits | 68.1282% | 4,117 |
| Net loans and leases to core deposits | 75.2293% | 3,801 |
| Total domestic deposits to total assets | 89.5707% | 935 |
| Equity capital to assets | 10.0278% | 4,074 |
| Core capital (leverage) ratio | 9.5402% | 4,188 |
| Tier 1 risk-based capital ratio | 12.7170% | 4,909 |
| Total risk-based capital ratio | 13.9712% | 4,817 |
| Memoranda: | ||
| Average total assets | $340,168,600 | 1,915 |
| Average earning assets | $314,821,400 | 1,904 |
| Average equity | $31,939,000 | 2,168 |
| Average total loans | $213,591,200 | 1,946 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5294% | 1,769 |
| Cost of funding earning assets | 0.3563% | 4,275 |
| Net interest margin | 4.1731% | 1,369 |
| Noninterest income to average assets | 0.2092% | 5,681 |
| Noninterest expense to average assets | 2.3978% | 4,834 |
| Loan and lease loss provision to assets | 0.0788% | 2,768 |
| Net operating income to assets | 1.0681% | 2,160 |
| Return on assets (ROA) | 1.0446% | 2,320 |
| Pretax return on assets | 1.5651% | 1,438 |
| Return on Equity (ROE) | 11.3233% | 1,676 |
| Retained earnings to average equity (ytd only) | 10.2640% | 642 |
| Net charge-offs to loans | 0.0445% | 3,608 |
| Credit loss provision to net charge-offs | 281.6901% | 952 |
| Earnings coverage of net charge-offs (x) | 60.0168% | 860 |
| Efficiency ratio | 58.8150% | 5,333 |
| Assets per employee ($millions) | 5.6500% | 1,597 |
| Cash dividends to net income (ytd only)* | 9.3550% | 3,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9862% | 1,282 |
| Loan loss allowance to noncurrent loans | 545.6662% | 905 |
| Noncurrent assets plus other real estate owned to assets | 0.2989% | 5,066 |
| Noncurrent loans to loans | 0.3640% | 4,819 |
| Net loans and leases to total assets | 58.4772% | 4,005 |
| Net loans and leases to deposits | 64.8951% | 4,441 |
| Net loans and leases to core deposits | 71.8228% | 4,168 |
| Total domestic deposits to total assets | 90.1104% | 680 |
| Equity capital to assets | 9.3974% | 4,925 |
| Core capital (leverage) ratio | 9.1599% | 4,835 |
| Tier 1 risk-based capital ratio | 12.5223% | 5,158 |
| Total risk-based capital ratio | 13.7766% | 5,090 |
| Memoranda: | ||
| Average total assets | $338,364,250 | 1,930 |
| Average earning assets | $313,585,500 | 1,920 |
| Average equity | $31,215,000 | 2,215 |
| Average total loans | $212,938,250 | 1,966 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5152% | 1,788 |
| Cost of funding earning assets | 0.3697% | 4,212 |
| Net interest margin | 4.1455% | 1,395 |
| Noninterest income to average assets | 0.2129% | 5,678 |
| Noninterest expense to average assets | 2.4078% | 4,858 |
| Loan and lease loss provision to assets | 0.1203% | 2,048 |
| Net operating income to assets | 1.0113% | 2,286 |
| Return on assets (ROA) | 0.9907% | 2,437 |
| Pretax return on assets | 1.4917% | 1,565 |
| Return on Equity (ROE) | 10.8106% | 1,803 |
| Retained earnings to average equity (ytd only) | 9.1894% | 922 |
| Net charge-offs to loans | 0.0666% | 3,038 |
| Credit loss provision to net charge-offs | 281.6901% | 903 |
| Earnings coverage of net charge-offs (x) | 38.4789% | 1,088 |
| Efficiency ratio | 59.4358% | 5,366 |
| Assets per employee ($millions) | 5.7549% | 1,470 |
| Cash dividends to net income (ytd only)* | 14.9970% | 3,323 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9860% | 1,385 |
| Loan loss allowance to noncurrent loans | 466.5929% | 989 |
| Noncurrent assets plus other real estate owned to assets | 0.3021% | 5,156 |
| Noncurrent loans to loans | 0.4256% | 4,718 |
| Net loans and leases to total assets | 58.3426% | 3,945 |
| Net loans and leases to deposits | 64.4014% | 4,456 |
| Net loans and leases to core deposits | 73.0599% | 3,941 |
| Total domestic deposits to total assets | 90.5920% | 548 |
| Equity capital to assets | 9.0165% | 5,281 |
| Core capital (leverage) ratio | 9.5316% | 4,279 |
| Tier 1 risk-based capital ratio | 12.1655% | 5,442 |
| Total risk-based capital ratio | 13.4199% | 5,356 |
| Memoranda: | ||
| Average total assets | $332,502,670 | 1,966 |
| Average earning assets | $307,851,670 | 1,963 |
| Average equity | $30,470,000 | 2,248 |
| Average total loans | $213,128,670 | 1,960 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6373% | 1,406 |
| Cost of funding earning assets | 0.3969% | 4,011 |
| Net interest margin | 4.2404% | 1,118 |
| Noninterest income to average assets | 0.2198% | 5,600 |
| Noninterest expense to average assets | 2.4011% | 4,922 |
| Loan and lease loss provision to assets | 0.1873% | 1,275 |
| Net operating income to assets | 1.0209% | 2,125 |
| Return on assets (ROA) | 1.0176% | 2,204 |
| Pretax return on assets | 1.5483% | 1,296 |
| Return on Equity (ROE) | 11.0063% | 1,678 |
| Retained earnings to average equity (ytd only) | 7.6571% | 1,745 |
| Net charge-offs to loans | -0.0225% | 5,407 |
| Credit loss provision to net charge-offs | -1,250.0000% | 5,384 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9741% | 5,650 |
| Assets per employee ($millions) | 5.2127% | 1,998 |
| Cash dividends to net income (ytd only)* | 30.4294% | 2,277 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9774% | 1,560 |
| Loan loss allowance to noncurrent loans | 515.8981% | 924 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 5,420 |
| Noncurrent loans to loans | 0.3833% | 4,974 |
| Net loans and leases to total assets | 65.2023% | 2,694 |
| Net loans and leases to deposits | 76.9579% | 2,686 |
| Net loans and leases to core deposits | 82.2429% | 2,713 |
| Total domestic deposits to total assets | 84.7247% | 3,987 |
| Equity capital to assets | 9.3738% | 4,662 |
| Core capital (leverage) ratio | 9.4504% | 4,350 |
| Tier 1 risk-based capital ratio | 11.9169% | 5,697 |
| Total risk-based capital ratio | 13.1718% | 5,620 |
| Memoranda: | ||
| Average total assets | $320,352,500 | 2,038 |
| Average earning assets | $296,293,500 | 2,036 |
| Average equity | $29,619,500 | 2,286 |
| Average total loans | $213,500,000 | 1,954 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6291% | 1,774 |
| Cost of funding earning assets | 0.5183% | 3,412 |
| Net interest margin | 4.1108% | 1,612 |
| Noninterest income to average assets | 0.2444% | 5,595 |
| Noninterest expense to average assets | 2.4546% | 4,911 |
| Loan and lease loss provision to assets | 0.3100% | 1,075 |
| Net operating income to assets | 0.8425% | 3,075 |
| Return on assets (ROA) | 0.8530% | 3,093 |
| Pretax return on assets | 1.2851% | 2,216 |
| Return on Equity (ROE) | 9.1095% | 2,484 |
| Retained earnings to average equity (ytd only) | 8.4718% | 918 |
| Net charge-offs to loans | 0.0558% | 4,450 |
| Credit loss provision to net charge-offs | 855.8559% | 292 |
| Earnings coverage of net charge-offs (x) | 43.5946% | 881 |
| Efficiency ratio | 60.8527% | 5,370 |
| Assets per employee ($millions) | 5.2052% | 1,958 |
| Cash dividends to net income (ytd only)* | 7.0008% | 4,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9286% | 1,716 |
| Loan loss allowance to noncurrent loans | 489.1148% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.2633% | 5,473 |
| Noncurrent loans to loans | 0.3943% | 5,024 |
| Net loans and leases to total assets | 65.4875% | 2,774 |
| Net loans and leases to deposits | 74.8239% | 3,129 |
| Net loans and leases to core deposits | 79.5031% | 3,189 |
| Total domestic deposits to total assets | 87.5222% | 2,464 |
| Equity capital to assets | 9.1157% | 4,904 |
| Core capital (leverage) ratio | 9.4531% | 4,334 |
| Tier 1 risk-based capital ratio | 11.8154% | 5,730 |
| Total risk-based capital ratio | 13.0696% | 5,660 |
| Memoranda: | ||
| Average total assets | $306,441,600 | 2,108 |
| Average earning assets | $282,475,600 | 2,094 |
| Average equity | $28,695,200 | 2,328 |
| Average total loans | $199,008,400 | 2,011 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6150% | 1,848 |
| Cost of funding earning assets | 0.5293% | 3,469 |
| Net interest margin | 4.0857% | 1,671 |
| Noninterest income to average assets | 0.2463% | 5,675 |
| Noninterest expense to average assets | 2.4341% | 4,920 |
| Loan and lease loss provision to assets | 0.2525% | 1,414 |
| Net operating income to assets | 0.8804% | 2,931 |
| Return on assets (ROA) | 0.8922% | 2,988 |
| Pretax return on assets | 1.3391% | 2,171 |
| Return on Equity (ROE) | 9.4621% | 2,415 |
| Retained earnings to average equity (ytd only) | 8.6099% | 1,191 |
| Net charge-offs to loans | -0.0157% | 5,987 |
| Credit loss provision to net charge-offs | -2,500.0000% | 6,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7295% | 5,319 |
| Assets per employee ($millions) | 5.1548% | 1,985 |
| Cash dividends to net income (ytd only)* | 9.0057% | 3,505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8888% | 2,035 |
| Loan loss allowance to noncurrent loans | 389.8683% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.3139% | 5,468 |
| Noncurrent loans to loans | 0.4845% | 4,987 |
| Net loans and leases to total assets | 63.5661% | 3,062 |
| Net loans and leases to deposits | 71.0334% | 3,637 |
| Net loans and leases to core deposits | 78.1433% | 3,343 |
| Total domestic deposits to total assets | 89.4877% | 1,307 |
| Equity capital to assets | 9.0389% | 5,142 |
| Core capital (leverage) ratio | 9.5287% | 4,360 |
| Tier 1 risk-based capital ratio | 11.8937% | 5,841 |
| Total risk-based capital ratio | 13.1473% | 5,784 |
| Memoranda: | ||
| Average total assets | $303,672,750 | 2,132 |
| Average earning assets | $279,604,250 | 2,123 |
| Average equity | $28,633,000 | 2,358 |
| Average total loans | $195,754,750 | 2,044 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5791% | 1,914 |
| Cost of funding earning assets | 0.5410% | 3,492 |
| Net interest margin | 4.0381% | 1,736 |
| Noninterest income to average assets | 0.2299% | 5,802 |
| Noninterest expense to average assets | 2.4207% | 4,996 |
| Loan and lease loss provision to assets | 0.2166% | 1,753 |
| Net operating income to assets | 0.8959% | 2,820 |
| Return on assets (ROA) | 0.9137% | 2,864 |
| Pretax return on assets | 1.3556% | 2,099 |
| Return on Equity (ROE) | 9.5529% | 2,395 |
| Retained earnings to average equity (ytd only) | 8.2778% | 1,374 |
| Net charge-offs to loans | -0.0176% | 5,933 |
| Credit loss provision to net charge-offs | -1,911.7647% | 6,134 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0318% | 5,329 |
| Assets per employee ($millions) | 5.1670% | 1,916 |
| Cash dividends to net income (ytd only)* | 13.3479% | 3,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7668% | 2,539 |
| Loan loss allowance to noncurrent loans | 462.2909% | 938 |
| Noncurrent assets plus other real estate owned to assets | 0.2425% | 5,762 |
| Noncurrent loans to loans | 0.3822% | 5,322 |
| Net loans and leases to total assets | 62.3433% | 3,233 |
| Net loans and leases to deposits | 73.0337% | 3,297 |
| Net loans and leases to core deposits | 83.4282% | 2,635 |
| Total domestic deposits to total assets | 85.3624% | 3,719 |
| Equity capital to assets | 8.7070% | 5,539 |
| Core capital (leverage) ratio | 9.5046% | 4,241 |
| Tier 1 risk-based capital ratio | 11.5782% | 6,071 |
| Total risk-based capital ratio | 12.8306% | 6,025 |
| Memoranda: | ||
| Average total assets | $300,083,330 | 2,165 |
| Average earning assets | $277,653,000 | 2,143 |
| Average equity | $28,703,330 | 2,366 |
| Average total loans | $193,097,670 | 2,070 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6622% | 1,645 |
| Cost of funding earning assets | 0.5610% | 3,467 |
| Net interest margin | 4.1012% | 1,461 |
| Noninterest income to average assets | 0.2290% | 5,826 |
| Noninterest expense to average assets | 2.4253% | 5,031 |
| Loan and lease loss provision to assets | 0.2069% | 1,794 |
| Net operating income to assets | 0.9422% | 2,464 |
| Return on assets (ROA) | 0.9422% | 2,608 |
| Pretax return on assets | 1.3989% | 1,858 |
| Return on Equity (ROE) | 9.3856% | 2,324 |
| Retained earnings to average equity (ytd only) | 6.8708% | 2,220 |
| Net charge-offs to loans | -0.0213% | 5,742 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,692 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.1643% | 5,568 |
| Assets per employee ($millions) | 4.9416% | 2,293 |
| Cash dividends to net income (ytd only)* | 26.7936% | 2,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7988% | 2,627 |
| Loan loss allowance to noncurrent loans | 1,167.8082% | 410 |
| Noncurrent assets plus other real estate owned to assets | 0.1002% | 6,288 |
| Noncurrent loans to loans | 0.1540% | 6,009 |
| Net loans and leases to total assets | 63.8530% | 2,736 |
| Net loans and leases to deposits | 71.3734% | 3,266 |
| Net loans and leases to core deposits | 81.0775% | 2,684 |
| Total domestic deposits to total assets | 89.4634% | 1,379 |
| Equity capital to assets | 10.0575% | 4,070 |
| Core capital (leverage) ratio | 9.8181% | 3,642 |
| Tier 1 risk-based capital ratio | 12.2180% | 5,778 |
| Total risk-based capital ratio | 13.4709% | 5,735 |
| Memoranda: | ||
| Average total assets | $289,949,000 | 2,252 |
| Average earning assets | $268,797,500 | 2,224 |
| Average equity | $29,108,500 | 2,366 |
| Average total loans | $187,991,500 | 2,133 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8731% | 1,932 |
| Cost of funding earning assets | 0.8006% | 2,664 |
| Net interest margin | 4.0725% | 2,112 |
| Noninterest income to average assets | 0.2376% | 5,745 |
| Noninterest expense to average assets | 2.5072% | 5,066 |
| Loan and lease loss provision to assets | 0.3284% | 2,067 |
| Net operating income to assets | 0.7564% | 3,480 |
| Return on assets (ROA) | 0.7663% | 3,685 |
| Pretax return on assets | 1.1682% | 2,910 |
| Return on Equity (ROE) | 7.4264% | 3,386 |
| Retained earnings to average equity (ytd only) | 6.9900% | 1,570 |
| Net charge-offs to loans | 0.1484% | 4,206 |
| Credit loss provision to net charge-offs | 341.7969% | 715 |
| Earnings coverage of net charge-offs (x) | 15.4219% | 1,651 |
| Efficiency ratio | 62.8563% | 5,106 |
| Assets per employee ($millions) | 4.9714% | 2,264 |
| Cash dividends to net income (ytd only)* | 5.8766% | 4,180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7435% | 2,775 |
| Loan loss allowance to noncurrent loans | 1,072.6073% | 438 |
| Noncurrent assets plus other real estate owned to assets | 0.1051% | 6,322 |
| Noncurrent loans to loans | 0.1625% | 6,073 |
| Net loans and leases to total assets | 63.5203% | 2,976 |
| Net loans and leases to deposits | 70.8464% | 3,585 |
| Net loans and leases to core deposits | 78.8298% | 3,158 |
| Total domestic deposits to total assets | 89.6592% | 1,148 |
| Equity capital to assets | 10.0207% | 4,139 |
| Core capital (leverage) ratio | 9.5422% | 4,049 |
| Tier 1 risk-based capital ratio | 12.3910% | 5,548 |
| Total risk-based capital ratio | 13.6436% | 5,498 |
| Memoranda: | ||
| Average total assets | $266,469,800 | 2,381 |
| Average earning assets | $245,448,400 | 2,364 |
| Average equity | $27,496,400 | 2,449 |
| Average total loans | $172,534,000 | 2,287 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9035% | 1,998 |
| Cost of funding earning assets | 0.8184% | 2,789 |
| Net interest margin | 4.0851% | 2,144 |
| Noninterest income to average assets | 0.2350% | 5,868 |
| Noninterest expense to average assets | 2.5399% | 4,960 |
| Loan and lease loss provision to assets | 0.2912% | 2,252 |
| Net operating income to assets | 0.7840% | 3,532 |
| Return on assets (ROA) | 0.7979% | 3,702 |
| Pretax return on assets | 1.1780% | 3,071 |
| Return on Equity (ROE) | 7.6716% | 3,438 |
| Retained earnings to average equity (ytd only) | 7.0823% | 2,078 |
| Net charge-offs to loans | 0.2137% | 3,451 |
| Credit loss provision to net charge-offs | 210.3321% | 1,314 |
| Earnings coverage of net charge-offs (x) | 10.4651% | 2,187 |
| Efficiency ratio | 63.6783% | 4,857 |
| Assets per employee ($millions) | 4.8887% | 2,335 |
| Cash dividends to net income (ytd only)* | 7.6827% | 3,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6485% | 3,337 |
| Loan loss allowance to noncurrent loans | 314.7154% | 1,185 |
| Noncurrent assets plus other real estate owned to assets | 0.3283% | 5,872 |
| Noncurrent loans to loans | 0.5238% | 5,392 |
| Net loans and leases to total assets | 61.6500% | 3,453 |
| Net loans and leases to deposits | 69.1175% | 4,007 |
| Net loans and leases to core deposits | 78.3988% | 3,407 |
| Total domestic deposits to total assets | 89.1960% | 1,316 |
| Equity capital to assets | 10.0700% | 4,393 |
| Core capital (leverage) ratio | 9.8089% | 3,805 |
| Tier 1 risk-based capital ratio | 12.6448% | 5,529 |
| Total risk-based capital ratio | 13.8958% | 5,485 |
| Memoranda: | ||
| Average total assets | $261,001,250 | 2,448 |
| Average earning assets | $239,824,000 | 2,444 |
| Average equity | $27,147,000 | 2,492 |
| Average total loans | $169,065,750 | 2,352 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0218% | 1,726 |
| Cost of funding earning assets | 0.8450% | 2,837 |
| Net interest margin | 4.1768% | 1,823 |
| Noninterest income to average assets | 0.2399% | 5,849 |
| Noninterest expense to average assets | 2.6013% | 4,775 |
| Loan and lease loss provision to assets | 0.2604% | 2,494 |
| Net operating income to assets | 0.7942% | 3,415 |
| Return on assets (ROA) | 0.8135% | 3,596 |
| Pretax return on assets | 1.2332% | 2,791 |
| Return on Equity (ROE) | 7.7291% | 3,386 |
| Retained earnings to average equity (ytd only) | 6.8295% | 2,200 |
| Net charge-offs to loans | -0.0241% | 6,471 |
| Credit loss provision to net charge-offs | -1,650.0000% | 6,468 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9821% | 4,907 |
| Assets per employee ($millions) | 4.9202% | 2,271 |
| Cash dividends to net income (ytd only)* | 11.6392% | 3,250 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7236% | 3,129 |
| Loan loss allowance to noncurrent loans | 2,175.9124% | 223 |
| Noncurrent assets plus other real estate owned to assets | 0.0525% | 6,692 |
| Noncurrent loans to loans | 0.0792% | 6,465 |
| Net loans and leases to total assets | 65.1786% | 2,815 |
| Net loans and leases to deposits | 73.4678% | 3,387 |
| Net loans and leases to core deposits | 85.3664% | 2,509 |
| Total domestic deposits to total assets | 88.7173% | 1,695 |
| Equity capital to assets | 10.5483% | 3,625 |
| Core capital (leverage) ratio | 10.4904% | 2,811 |
| Tier 1 risk-based capital ratio | 12.8520% | 5,297 |
| Total risk-based capital ratio | 14.1044% | 5,270 |
| Memoranda: | ||
| Average total assets | $253,487,000 | 2,515 |
| Average earning assets | $232,187,330 | 2,502 |
| Average equity | $26,678,330 | 2,508 |
| Average total loans | $166,176,000 | 2,389 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0377% | 1,768 |
| Cost of funding earning assets | 0.8495% | 3,069 |
| Net interest margin | 4.1882% | 1,788 |
| Noninterest income to average assets | 0.2289% | 5,986 |
| Noninterest expense to average assets | 2.5984% | 4,820 |
| Loan and lease loss provision to assets | 0.2642% | 2,346 |
| Net operating income to assets | 0.7947% | 3,398 |
| Return on assets (ROA) | 0.8021% | 3,601 |
| Pretax return on assets | 1.2136% | 2,866 |
| Return on Equity (ROE) | 7.6302% | 3,440 |
| Retained earnings to average equity (ytd only) | 5.8026% | 3,072 |
| Net charge-offs to loans | -0.0246% | 6,253 |
| Credit loss provision to net charge-offs | -1,650.0000% | 6,024 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9228% | 4,938 |
| Assets per employee ($millions) | 4.7684% | 2,559 |
| Cash dividends to net income (ytd only)* | 23.9521% | 2,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6909% | 3,380 |
| Loan loss allowance to noncurrent loans | 1,721.4724% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0633% | 6,731 |
| Noncurrent loans to loans | 0.0982% | 6,513 |
| Net loans and leases to total assets | 63.3592% | 2,975 |
| Net loans and leases to deposits | 73.6949% | 3,160 |
| Net loans and leases to core deposits | 86.0524% | 2,284 |
| Total domestic deposits to total assets | 85.9751% | 3,541 |
| Equity capital to assets | 10.3320% | 3,696 |
| Core capital (leverage) ratio | 10.5403% | 2,702 |
| Tier 1 risk-based capital ratio | 12.8221% | 5,348 |
| Total risk-based capital ratio | 14.0738% | 5,323 |
| Memoranda: | ||
| Average total assets | $249,845,000 | 2,560 |
| Average earning assets | $228,836,000 | 2,552 |
| Average equity | $26,264,000 | 2,552 |
| Average total loans | $162,790,000 | 2,438 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0174% | 2,802 |
| Cost of funding earning assets | 1.0815% | 2,798 |
| Net interest margin | 3.9360% | 3,177 |
| Noninterest income to average assets | 0.1963% | 6,100 |
| Noninterest expense to average assets | 2.7301% | 4,620 |
| Loan and lease loss provision to assets | 0.3689% | 2,779 |
| Net operating income to assets | 0.6361% | 3,803 |
| Return on assets (ROA) | 0.6407% | 3,978 |
| Pretax return on assets | 0.7395% | 4,195 |
| Return on Equity (ROE) | 5.7739% | 3,991 |
| Retained earnings to average equity (ytd only) | 5.7739% | 2,140 |
| Net charge-offs to loans | -0.0035% | 6,820 |
| Credit loss provision to net charge-offs | -16,500.0000% | 6,967 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2236% | 3,745 |
| Assets per employee ($millions) | 4.5698% | 2,798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6482% | 3,386 |
| Loan loss allowance to noncurrent loans | 773.8235% | 487 |
| Noncurrent assets plus other real estate owned to assets | 0.1404% | 6,605 |
| Noncurrent loans to loans | 0.2130% | 6,315 |
| Net loans and leases to total assets | 64.8222% | 3,020 |
| Net loans and leases to deposits | 73.4370% | 3,590 |
| Net loans and leases to core deposits | 82.2858% | 3,139 |
| Total domestic deposits to total assets | 88.2691% | 1,984 |
| Equity capital to assets | 10.7036% | 3,299 |
| Core capital (leverage) ratio | 10.5430% | 2,671 |
| Tier 1 risk-based capital ratio | 13.2250% | 4,894 |
| Total risk-based capital ratio | 14.4761% | 4,872 |
| Memoranda: | ||
| Average total assets | $223,653,800 | 2,803 |
| Average earning assets | $206,659,000 | 2,771 |
| Average equity | $24,818,400 | 2,600 |
| Average total loans | $143,193,000 | 2,737 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9993% | 3,088 |
| Cost of funding earning assets | 1.1278% | 2,779 |
| Net interest margin | 3.8715% | 3,514 |
| Noninterest income to average assets | 0.1759% | 6,328 |
| Noninterest expense to average assets | 2.8308% | 4,232 |
| Loan and lease loss provision to assets | 0.3470% | 2,800 |
| Net operating income to assets | 0.5838% | 4,159 |
| Return on assets (ROA) | 0.5844% | 4,341 |
| Pretax return on assets | 0.5868% | 4,856 |
| Return on Equity (ROE) | 5.2154% | 4,441 |
| Retained earnings to average equity (ytd only) | 5.2154% | 3,050 |
| Net charge-offs to loans | -0.0192% | 6,901 |
| Credit loss provision to net charge-offs | -2,850.0000% | 6,856 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.2062% | 2,974 |
| Assets per employee ($millions) | 4.5823% | 2,784 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5659% | 3,821 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 61.8855% | 3,756 |
| Net loans and leases to deposits | 70.6190% | 4,197 |
| Net loans and leases to core deposits | 79.8989% | 3,653 |
| Total domestic deposits to total assets | 87.6329% | 2,274 |
| Equity capital to assets | 10.5570% | 3,632 |
| Core capital (leverage) ratio | 10.8324% | 2,540 |
| Tier 1 risk-based capital ratio | 13.4813% | 4,748 |
| Total risk-based capital ratio | 14.7318% | 4,717 |
| Memoranda: | ||
| Average total assets | $219,017,750 | 2,849 |
| Average earning assets | $202,984,000 | 2,820 |
| Average equity | $24,542,000 | 2,631 |
| Average total loans | $139,084,000 | 2,828 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0151% | 3,082 |
| Cost of funding earning assets | 1.1714% | 2,768 |
| Net interest margin | 3.8437% | 3,565 |
| Noninterest income to average assets | 0.1601% | 6,514 |
| Noninterest expense to average assets | 2.9734% | 3,741 |
| Loan and lease loss provision to assets | 0.3411% | 2,739 |
| Net operating income to assets | 0.6282% | 3,916 |
| Return on assets (ROA) | 0.6282% | 4,039 |
| Pretax return on assets | 0.4273% | 5,307 |
| Return on Equity (ROE) | 5.4847% | 4,217 |
| Retained earnings to average equity (ytd only) | 5.4847% | 2,696 |
| Net charge-offs to loans | -0.0059% | 6,608 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,808 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4632% | 2,471 |
| Assets per employee ($millions) | 4.2540% | 3,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5633% | 3,849 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 61.6263% | 3,968 |
| Net loans and leases to deposits | 70.9775% | 4,296 |
| Net loans and leases to core deposits | 81.8059% | 3,536 |
| Total domestic deposits to total assets | 86.8251% | 2,837 |
| Equity capital to assets | 11.2880% | 2,693 |
| Core capital (leverage) ratio | 11.4904% | 1,914 |
| Tier 1 risk-based capital ratio | 15.1516% | 3,424 |
| Total risk-based capital ratio | 16.4028% | 3,384 |
| Memoranda: | ||
| Average total assets | $211,069,330 | 2,961 |
| Average earning assets | $196,684,670 | 2,915 |
| Average equity | $24,176,330 | 2,642 |
| Average total loans | $134,549,330 | 2,951 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9871% | 3,159 |
| Cost of funding earning assets | 1.2198% | 2,686 |
| Net interest margin | 3.7673% | 3,769 |
| Noninterest income to average assets | 0.1456% | 6,680 |
| Noninterest expense to average assets | 3.0447% | 3,468 |
| Loan and lease loss provision to assets | 0.3204% | 2,627 |
| Net operating income to assets | 0.3010% | 5,392 |
| Return on assets (ROA) | 0.3010% | 5,461 |
| Pretax return on assets | 0.3010% | 5,644 |
| Return on Equity (ROE) | 2.6073% | 5,561 |
| Retained earnings to average equity (ytd only) | 2.6073% | 4,601 |
| Net charge-offs to loans | -0.0091% | 6,344 |
| Credit loss provision to net charge-offs | -5,500.0000% | 6,388 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0508% | 2,071 |
| Assets per employee ($millions) | 4.0965% | 3,649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4912% | 4,255 |
| Loan loss allowance to noncurrent loans | 394.5892% | 799 |
| Noncurrent assets plus other real estate owned to assets | 0.3059% | 6,435 |
| Noncurrent loans to loans | 0.3779% | 6,243 |
| Net loans and leases to total assets | 62.2589% | 3,798 |
| Net loans and leases to deposits | 71.8233% | 4,095 |
| Net loans and leases to core deposits | 82.9705% | 3,311 |
| Total domestic deposits to total assets | 86.6835% | 3,128 |
| Equity capital to assets | 11.4321% | 2,324 |
| Core capital (leverage) ratio | 11.6297% | 1,784 |
| Tier 1 risk-based capital ratio | 15.5784% | 3,117 |
| Total risk-based capital ratio | 16.8295% | 3,076 |
| Memoranda: | ||
| Average total assets | $205,999,500 | 3,033 |
| Average earning assets | $192,498,000 | 2,978 |
| Average equity | $23,779,500 | 2,664 |
| Average total loans | $132,580,000 | 3,026 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2169% | 3,525 |
| Cost of funding earning assets | 1.4410% | 3,013 |
| Net interest margin | 3.7759% | 4,051 |
| Noninterest income to average assets | 0.1839% | 6,441 |
| Noninterest expense to average assets | 2.9498% | 4,035 |
| Loan and lease loss provision to assets | 0.4181% | 3,601 |
| Net operating income to assets | 0.3406% | 4,787 |
| Return on assets (ROA) | 0.3534% | 4,892 |
| Pretax return on assets | 0.3534% | 5,071 |
| Return on Equity (ROE) | 2.7811% | 5,047 |
| Retained earnings to average equity (ytd only) | 2.7811% | 3,909 |
| Net charge-offs to loans | 0.1666% | 5,333 |
| Credit loss provision to net charge-offs | 376.8844% | 666 |
| Earnings coverage of net charge-offs (x) | 6.8392% | 2,261 |
| Efficiency ratio | 79.5431% | 2,473 |
| Assets per employee ($millions) | 4.3208% | 3,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 4,732 |
| Loan loss allowance to noncurrent loans | 360.2000% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.3452% | 6,392 |
| Noncurrent loans to loans | 0.3756% | 6,303 |
| Net loans and leases to total assets | 64.6638% | 3,733 |
| Net loans and leases to deposits | 76.5997% | 3,748 |
| Net loans and leases to core deposits | 88.3874% | 3,000 |
| Total domestic deposits to total assets | 84.4178% | 4,164 |
| Equity capital to assets | 11.6581% | 2,155 |
| Core capital (leverage) ratio | 12.0308% | 1,525 |
| Tier 1 risk-based capital ratio | 15.6588% | 2,924 |
| Total risk-based capital ratio | 16.8408% | 2,919 |
| Memoranda: | ||
| Average total assets | $179,401,800 | 3,387 |
| Average earning assets | $167,456,400 | 3,331 |
| Average equity | $22,796,600 | 2,791 |
| Average total loans | $119,423,600 | 3,321 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2994% | 3,361 |
| Cost of funding earning assets | 1.5024% | 2,968 |
| Net interest margin | 3.7971% | 3,984 |
| Noninterest income to average assets | 0.1891% | 6,528 |
| Noninterest expense to average assets | 2.9220% | 4,006 |
| Loan and lease loss provision to assets | 0.4381% | 3,282 |
| Net operating income to assets | 0.3720% | 4,875 |
| Return on assets (ROA) | 0.3873% | 4,990 |
| Pretax return on assets | 0.3873% | 5,255 |
| Return on Equity (ROE) | 2.9764% | 5,232 |
| Retained earnings to average equity (ytd only) | 2.9764% | 4,353 |
| Net charge-offs to loans | 0.1667% | 4,982 |
| Credit loss provision to net charge-offs | 393.1034% | 776 |
| Earnings coverage of net charge-offs (x) | 7.2689% | 2,362 |
| Efficiency ratio | 78.2949% | 2,586 |
| Assets per employee ($millions) | 4.8995% | 2,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3341% | 4,783 |
| Loan loss allowance to noncurrent loans | 4,407.8947% | 86 |
| Noncurrent assets plus other real estate owned to assets | 0.1577% | 6,960 |
| Noncurrent loans to loans | 0.0303% | 7,176 |
| Net loans and leases to total assets | 63.2086% | 4,274 |
| Net loans and leases to deposits | 73.8353% | 4,545 |
| Net loans and leases to core deposits | 85.6200% | 3,712 |
| Total domestic deposits to total assets | 85.6076% | 3,287 |
| Equity capital to assets | 12.4264% | 1,894 |
| Core capital (leverage) ratio | 12.9041% | 1,263 |
| Tier 1 risk-based capital ratio | 16.4575% | 2,576 |
| Total risk-based capital ratio | 17.6208% | 2,558 |
| Memoranda: | ||
| Average total assets | $173,482,750 | 3,523 |
| Average earning assets | $161,875,500 | 3,466 |
| Average equity | $22,577,000 | 2,857 |
| Average total loans | $115,999,750 | 3,447 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4512% | 2,746 |
| Cost of funding earning assets | 1.5309% | 3,066 |
| Net interest margin | 3.9203% | 3,351 |
| Noninterest income to average assets | 0.1446% | 6,862 |
| Noninterest expense to average assets | 2.9280% | 3,967 |
| Loan and lease loss provision to assets | 0.4820% | 2,895 |
| Net operating income to assets | 0.3880% | 4,804 |
| Return on assets (ROA) | 0.3988% | 4,921 |
| Pretax return on assets | 0.3988% | 5,229 |
| Return on Equity (ROE) | 3.0111% | 5,224 |
| Retained earnings to average equity (ytd only) | 3.0111% | 4,204 |
| Net charge-offs to loans | 0.2571% | 4,065 |
| Credit loss provision to net charge-offs | 275.8621% | 1,351 |
| Earnings coverage of net charge-offs (x) | 4.9793% | 2,790 |
| Efficiency ratio | 77.0939% | 2,883 |
| Assets per employee ($millions) | 5.2035% | 1,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2271% | 5,311 |
| Loan loss allowance to noncurrent loans | 543.3213% | 603 |
| Noncurrent assets plus other real estate owned to assets | 0.2990% | 6,661 |
| Noncurrent loans to loans | 0.2258% | 6,791 |
| Net loans and leases to total assets | 68.4754% | 3,254 |
| Net loans and leases to deposits | 81.2521% | 3,394 |
| Net loans and leases to core deposits | 98.9820% | 2,125 |
| Total domestic deposits to total assets | 84.2753% | 3,973 |
| Equity capital to assets | 13.5961% | 1,307 |
| Core capital (leverage) ratio | 13.8074% | 973 |
| Tier 1 risk-based capital ratio | 17.2110% | 2,195 |
| Total risk-based capital ratio | 18.3147% | 2,210 |
| Memoranda: | ||
| Average total assets | $165,984,330 | 3,676 |
| Average earning assets | $154,680,670 | 3,624 |
| Average equity | $21,985,000 | 2,919 |
| Average total loans | $112,816,330 | 3,562 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4709% | 2,732 |
| Cost of funding earning assets | 1.5574% | 3,218 |
| Net interest margin | 3.9135% | 3,266 |
| Noninterest income to average assets | 0.1744% | 6,719 |
| Noninterest expense to average assets | 2.9056% | 4,039 |
| Loan and lease loss provision to assets | 0.4984% | 2,508 |
| Net operating income to assets | 0.4211% | 4,749 |
| Return on assets (ROA) | 0.4211% | 4,889 |
| Pretax return on assets | 0.4211% | 5,222 |
| Return on Equity (ROE) | 3.2267% | 5,241 |
| Retained earnings to average equity (ytd only) | 3.2267% | 4,215 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9609% | 3,223 |
| Assets per employee ($millions) | 5.2735% | 1,887 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 4,961 |
| Loan loss allowance to noncurrent loans | 337.2093% | 911 |
| Noncurrent assets plus other real estate owned to assets | 0.4172% | 6,425 |
| Noncurrent loans to loans | 0.3841% | 6,512 |
| Net loans and leases to total assets | 67.5861% | 3,489 |
| Net loans and leases to deposits | 81.8953% | 3,299 |
| Net loans and leases to core deposits | 98.5418% | 2,288 |
| Total domestic deposits to total assets | 82.5274% | 4,837 |
| Equity capital to assets | 14.3658% | 1,045 |
| Core capital (leverage) ratio | 14.5358% | 845 |
| Tier 1 risk-based capital ratio | 18.3143% | 1,869 |
| Total risk-based capital ratio | 19.4560% | 1,869 |
| Memoranda: | ||
| Average total assets | $160,517,000 | 3,835 |
| Average earning assets | $149,738,500 | 3,760 |
| Average equity | $20,950,500 | 3,068 |
| Average total loans | $107,899,000 | 3,733 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5111% | 4,087 |
| Cost of funding earning assets | 2.0625% | 2,670 |
| Net interest margin | 3.4486% | 5,176 |
| Noninterest income to average assets | 0.1694% | 6,868 |
| Noninterest expense to average assets | 3.0051% | 4,121 |
| Loan and lease loss provision to assets | 0.3070% | 4,981 |
| Net operating income to assets | 0.0601% | 5,313 |
| Return on assets (ROA) | 0.0651% | 5,348 |
| Pretax return on assets | 0.0651% | 5,287 |
| Return on Equity (ROE) | 0.4250% | 5,411 |
| Retained earnings to average equity (ytd only) | 0.4250% | 4,671 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1143% | 1,783 |
| Assets per employee ($millions) | 5.2518% | 1,891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2036% | 5,332 |
| Loan loss allowance to noncurrent loans | 288.0184% | 1,064 |
| Noncurrent assets plus other real estate owned to assets | 0.4354% | 6,372 |
| Noncurrent loans to loans | 0.4179% | 6,440 |
| Net loans and leases to total assets | 65.1258% | 4,353 |
| Net loans and leases to deposits | 77.0980% | 4,543 |
| Net loans and leases to core deposits | 102.5916% | 3,737 |
| Total domestic deposits to total assets | 84.4715% | 3,808 |
| Equity capital to assets | 11.6886% | 2,195 |
| Core capital (leverage) ratio | 12.2319% | 1,561 |
| Tier 1 risk-based capital ratio | 15.3754% | 2,770 |
| Total risk-based capital ratio | 16.4207% | 2,817 |
| Memoranda: | ||
| Average total assets | $119,863,800 | 4,568 |
| Average earning assets | $111,320,400 | 4,526 |
| Average equity | $18,353,400 | 3,452 |
| Average total loans | $85,561,200 | 4,344 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5836% | 3,954 |
| Cost of funding earning assets | 2.0898% | 2,934 |
| Net interest margin | 3.4938% | 4,883 |
| Noninterest income to average assets | 0.1871% | 6,879 |
| Noninterest expense to average assets | 3.1316% | 3,533 |
| Loan and lease loss provision to assets | 0.2632% | 4,855 |
| Net operating income to assets | 0.0338% | 5,640 |
| Return on assets (ROA) | 0.0410% | 5,661 |
| Pretax return on assets | 0.0410% | 5,626 |
| Return on Equity (ROE) | 0.2472% | 5,704 |
| Retained earnings to average equity (ytd only) | 0.2472% | 5,096 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3380% | 1,590 |
| Assets per employee ($millions) | 4.5653% | 2,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2158% | 5,025 |
| Loan loss allowance to noncurrent loans | 1,410.2564% | 264 |
| Noncurrent assets plus other real estate owned to assets | 0.0570% | 7,416 |
| Noncurrent loans to loans | 0.0862% | 7,272 |
| Net loans and leases to total assets | 65.2558% | 4,588 |
| Net loans and leases to deposits | 77.8463% | 4,760 |
| Net loans and leases to core deposits | 107.3756% | 3,549 |
| Total domestic deposits to total assets | 83.8264% | 3,805 |
| Equity capital to assets | 13.5596% | 1,470 |
| Core capital (leverage) ratio | 14.6834% | 918 |
| Tier 1 risk-based capital ratio | 17.5272% | 2,116 |
| Total risk-based capital ratio | 18.5811% | 2,120 |
| Memoranda: | ||
| Average total assets | $110,441,000 | 4,846 |
| Average earning assets | $102,464,500 | 4,806 |
| Average equity | $18,337,750 | 3,475 |
| Average total loans | $80,986,750 | 4,522 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6064% | 4,045 |
| Cost of funding earning assets | 2.1239% | 3,164 |
| Net interest margin | 3.4825% | 4,880 |
| Noninterest income to average assets | 0.1890% | 6,944 |
| Noninterest expense to average assets | 3.1062% | 3,678 |
| Loan and lease loss provision to assets | 0.2815% | 4,323 |
| Net operating income to assets | 0.0256% | 5,772 |
| Return on assets (ROA) | 0.0374% | 5,823 |
| Pretax return on assets | 0.0374% | 5,799 |
| Return on Equity (ROE) | 0.2081% | 5,860 |
| Retained earnings to average equity (ytd only) | 0.2081% | 5,132 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0035% | 1,729 |
| Assets per employee ($millions) | 4.7940% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1932% | 4,994 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 73.7717% | 2,767 |
| Net loans and leases to deposits | 90.8904% | 2,679 |
| Net loans and leases to core deposits | 128.9371% | 1,659 |
| Total domestic deposits to total assets | 81.1655% | 5,011 |
| Equity capital to assets | 15.8211% | 858 |
| Core capital (leverage) ratio | 17.3096% | 576 |
| Tier 1 risk-based capital ratio | 18.7541% | 1,827 |
| Total risk-based capital ratio | 19.8085% | 1,820 |
| Memoranda: | ||
| Average total assets | $101,602,000 | 5,119 |
| Average earning assets | $94,071,000 | 5,066 |
| Average equity | $18,260,000 | 3,512 |
| Average total loans | $77,824,670 | 4,664 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6688% | 3,948 |
| Cost of funding earning assets | 2.1036% | 3,630 |
| Net interest margin | 3.5652% | 4,465 |
| Noninterest income to average assets | 0.1223% | 7,412 |
| Noninterest expense to average assets | 3.1114% | 3,334 |
| Loan and lease loss provision to assets | 0.2867% | 3,665 |
| Net operating income to assets | 0.0253% | 6,190 |
| Return on assets (ROA) | 0.0379% | 6,316 |
| Pretax return on assets | 0.0379% | 6,305 |
| Return on Equity (ROE) | 0.1968% | 6,363 |
| Retained earnings to average equity (ytd only) | 0.1968% | 5,580 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.8867% | 1,656 |
| Assets per employee ($millions) | 4.7860% | 2,313 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2461% | 4,475 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 74.9062% | 2,528 |
| Net loans and leases to deposits | 95.4728% | 2,037 |
| Net loans and leases to core deposits | 140.7978% | 1,069 |
| Total domestic deposits to total assets | 78.4582% | 5,875 |
| Equity capital to assets | 18.2176% | 580 |
| Core capital (leverage) ratio | 19.6820% | 412 |
| Tier 1 risk-based capital ratio | 21.3467% | 1,397 |
| Total risk-based capital ratio | 22.4620% | 1,382 |
| Memoranda: | ||
| Average total assets | $94,875,500 | 5,336 |
| Average earning assets | $87,850,000 | 5,296 |
| Average equity | $18,288,500 | 3,521 |
| Average total loans | $73,785,500 | 4,846 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2324% | 4,341 |
| Cost of funding earning assets | 2.2150% | 5,534 |
| Net interest margin | 4.0174% | 3,035 |
| Noninterest income to average assets | 0.1930% | 7,076 |
| Noninterest expense to average assets | 4.1844% | 1,161 |
| Loan and lease loss provision to assets | 0.7970% | 1,862 |
| Net operating income to assets | -1.1348% | 7,311 |
| Return on assets (ROA) | -1.1348% | 7,252 |
| Pretax return on assets | -1.1348% | 7,081 |
| Return on Equity (ROE) | -3.9608% | 6,740 |
| Retained earnings to average equity (ytd only) | -3.9608% | 6,319 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.7819% | 737 |
| Assets per employee ($millions) | 4.4622% | 2,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 4,257 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 78.9442% | 1,899 |
| Net loans and leases to deposits | 105.9826% | 1,123 |
| Net loans and leases to core deposits | 161.4561% | 549 |
| Total domestic deposits to total assets | 74.4879% | 6,560 |
| Equity capital to assets | 20.4686% | 437 |
| Core capital (leverage) ratio | 21.5539% | 351 |
| Tier 1 risk-based capital ratio | 22.9678% | 1,201 |
| Total risk-based capital ratio | 24.0847% | 1,185 |
| Memoranda: | ||
| Average total assets | $64,238,400 | 6,222 |
| Average earning assets | $58,420,400 | 6,243 |
| Average equity | $18,405,200 | 3,495 |
| Average total loans | $47,230,200 | 5,813 |