Home > Capital City Bank > Performance and Condition Ratios
Capital City Bank, Performance and Condition Ratios
| 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 | 4.0966% | 3,460 |
| Cost of funding earning assets | 0.4138% | 3,613 |
| Net interest margin | 3.6828% | 2,998 |
| Noninterest income to average assets | 0.8313% | 1,382 |
| Noninterest expense to average assets | 2.9918% | 2,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0177% | 2,935 |
| Return on assets (ROA) | 1.0177% | 2,944 |
| Pretax return on assets | 1.2478% | 2,734 |
| Return on Equity (ROE) | 12.2267% | 1,649 |
| Retained earnings to average equity (ytd only) | 6.0221% | 2,548 |
| Net charge-offs to loans | 0.0504% | 1,883 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 36.1467% | 1,369 |
| Efficiency ratio | 70.5678% | 2,230 |
| Assets per employee ($millions) | 4.3629% | 3,336 |
| Cash dividends to net income (ytd only)* | 50.7463% | 1,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9341% | 4,184 |
| Loan loss allowance to noncurrent loans | 25,736.3636% | 33 |
| Noncurrent assets plus other real estate owned to assets | 0.3186% | 3,495 |
| Noncurrent loans to loans | 0.0036% | 4,955 |
| Net loans and leases to total assets | 69.5105% | 2,648 |
| Net loans and leases to deposits | 79.6689% | 2,984 |
| Net loans and leases to core deposits | 90.9718% | 2,488 |
| Total domestic deposits to total assets | 87.2492% | 1,739 |
| Equity capital to assets | 8.4171% | 5,001 |
| Core capital (leverage) ratio | 8.7979% | 4,887 |
| Tier 1 risk-based capital ratio | 11.5036% | 4,783 |
| Total risk-based capital ratio | 12.3605% | 4,894 |
| Memoranda: | ||
| Average total assets | $434,524,330 | 1,598 |
| Average earning assets | $402,139,670 | 1,601 |
| Average equity | $36,166,670 | 2,024 |
| Average total loans | $297,569,000 | 1,617 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0259% | 3,522 |
| Cost of funding earning assets | 0.3808% | 3,727 |
| Net interest margin | 3.6451% | 3,007 |
| Noninterest income to average assets | 0.7957% | 1,470 |
| Noninterest expense to average assets | 3.0022% | 2,055 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9591% | 3,037 |
| Return on assets (ROA) | 0.9591% | 3,053 |
| Pretax return on assets | 1.1675% | 2,898 |
| Return on Equity (ROE) | 11.5879% | 1,727 |
| Retained earnings to average equity (ytd only) | 4.9457% | 3,206 |
| Net charge-offs to loans | -0.0068% | 4,110 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0009% | 2,196 |
| Assets per employee ($millions) | 4.2558% | 3,556 |
| Cash dividends to net income (ytd only)* | 57.3206% | 1,322 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9648% | 4,142 |
| Loan loss allowance to noncurrent loans | 822.5989% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.3908% | 3,277 |
| Noncurrent loans to loans | 0.1173% | 4,442 |
| Net loans and leases to total assets | 68.1925% | 2,742 |
| Net loans and leases to deposits | 79.1646% | 2,901 |
| Net loans and leases to core deposits | 103.3725% | 1,427 |
| Total domestic deposits to total assets | 86.1401% | 2,483 |
| Equity capital to assets | 8.2093% | 5,174 |
| Core capital (leverage) ratio | 8.5827% | 5,080 |
| Tier 1 risk-based capital ratio | 11.6566% | 4,766 |
| Total risk-based capital ratio | 12.5620% | 4,863 |
| Memoranda: | ||
| Average total assets | $435,820,500 | 1,603 |
| Average earning assets | $403,391,500 | 1,606 |
| Average equity | $36,072,000 | 2,037 |
| Average total loans | $294,819,000 | 1,635 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8094% | 4,016 |
| Cost of funding earning assets | 0.3961% | 3,294 |
| Net interest margin | 3.4133% | 3,806 |
| Noninterest income to average assets | 0.7375% | 1,812 |
| Noninterest expense to average assets | 2.8923% | 2,481 |
| Loan and lease loss provision to assets | 0.0057% | 4,150 |
| Net operating income to assets | 0.5533% | 4,215 |
| Return on assets (ROA) | 0.5533% | 4,244 |
| Pretax return on assets | 0.9927% | 3,602 |
| Return on Equity (ROE) | 6.7734% | 3,399 |
| Retained earnings to average equity (ytd only) | 1.6048% | 4,346 |
| Net charge-offs to loans | -0.0162% | 4,898 |
| Credit loss provision to net charge-offs | -54.3478% | 4,652 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3392% | 1,851 |
| Assets per employee ($millions) | 4.2480% | 3,579 |
| Cash dividends to net income (ytd only)* | 76.3072% | 970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0097% | 3,878 |
| Loan loss allowance to noncurrent loans | 877.9456% | 700 |
| Noncurrent assets plus other real estate owned to assets | 0.3900% | 3,299 |
| Noncurrent loans to loans | 0.1150% | 4,472 |
| Net loans and leases to total assets | 65.7522% | 3,131 |
| Net loans and leases to deposits | 76.5961% | 3,271 |
| Net loans and leases to core deposits | 102.9092% | 1,492 |
| Total domestic deposits to total assets | 85.8428% | 2,511 |
| Equity capital to assets | 8.3451% | 5,233 |
| Core capital (leverage) ratio | 8.4673% | 5,167 |
| Tier 1 risk-based capital ratio | 11.7471% | 4,687 |
| Total risk-based capital ratio | 12.6686% | 4,784 |
| Memoranda: | ||
| Average total assets | $442,417,400 | 1,570 |
| Average earning assets | $408,695,200 | 1,568 |
| Average equity | $36,141,200 | 2,015 |
| Average total loans | $284,123,800 | 1,638 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7671% | 4,118 |
| Cost of funding earning assets | 0.3913% | 3,284 |
| Net interest margin | 3.3758% | 3,931 |
| Noninterest income to average assets | 0.7466% | 1,802 |
| Noninterest expense to average assets | 2.8693% | 2,507 |
| Loan and lease loss provision to assets | 0.0075% | 3,980 |
| Net operating income to assets | 0.7028% | 3,966 |
| Return on assets (ROA) | 0.7028% | 4,031 |
| Pretax return on assets | 0.9864% | 3,740 |
| Return on Equity (ROE) | 8.6484% | 2,788 |
| Retained earnings to average equity (ytd only) | 3.3096% | 3,959 |
| Net charge-offs to loans | -0.0287% | 4,984 |
| Credit loss provision to net charge-offs | -40.9836% | 4,433 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2724% | 1,854 |
| Assets per employee ($millions) | 4.5332% | 3,085 |
| Cash dividends to net income (ytd only)* | 61.7321% | 1,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0078% | 4,007 |
| Loan loss allowance to noncurrent loans | 621.4894% | 868 |
| Noncurrent assets plus other real estate owned to assets | 0.4171% | 3,358 |
| Noncurrent loans to loans | 0.1622% | 4,414 |
| Net loans and leases to total assets | 64.5823% | 3,309 |
| Net loans and leases to deposits | 73.2055% | 3,645 |
| Net loans and leases to core deposits | 101.7639% | 1,563 |
| Total domestic deposits to total assets | 88.2206% | 1,242 |
| Equity capital to assets | 8.2564% | 5,418 |
| Core capital (leverage) ratio | 8.4379% | 5,284 |
| Tier 1 risk-based capital ratio | 11.7373% | 4,813 |
| Total risk-based capital ratio | 12.6550% | 4,896 |
| Memoranda: | ||
| Average total assets | $444,697,250 | 1,574 |
| Average earning assets | $410,558,250 | 1,576 |
| Average equity | $36,136,750 | 2,026 |
| Average total loans | $283,202,500 | 1,649 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7164% | 4,175 |
| Cost of funding earning assets | 0.3749% | 3,342 |
| Net interest margin | 3.3415% | 3,976 |
| Noninterest income to average assets | 0.7360% | 1,831 |
| Noninterest expense to average assets | 2.8662% | 2,523 |
| Loan and lease loss provision to assets | 0.0112% | 3,725 |
| Net operating income to assets | 0.6762% | 3,953 |
| Return on assets (ROA) | 0.6762% | 4,017 |
| Pretax return on assets | 0.9441% | 3,782 |
| Return on Equity (ROE) | 8.3658% | 2,844 |
| Retained earnings to average equity (ytd only) | 2.5142% | 4,181 |
| Net charge-offs to loans | -0.0491% | 5,166 |
| Credit loss provision to net charge-offs | -36.2319% | 4,271 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0000% | 1,855 |
| Assets per employee ($millions) | 4.3523% | 3,342 |
| Cash dividends to net income (ytd only)* | 69.9468% | 1,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0339% | 3,940 |
| Loan loss allowance to noncurrent loans | 228.4711% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 0.5636% | 2,887 |
| Noncurrent loans to loans | 0.4525% | 3,391 |
| Net loans and leases to total assets | 63.1527% | 3,498 |
| Net loans and leases to deposits | 73.6002% | 3,586 |
| Net loans and leases to core deposits | 100.2833% | 1,630 |
| Total domestic deposits to total assets | 85.8051% | 2,469 |
| Equity capital to assets | 8.2136% | 5,439 |
| Core capital (leverage) ratio | 8.3075% | 5,347 |
| Tier 1 risk-based capital ratio | 11.5828% | 4,903 |
| Total risk-based capital ratio | 12.5018% | 5,001 |
| Memoranda: | ||
| Average total assets | $444,846,330 | 1,581 |
| Average earning assets | $410,777,000 | 1,576 |
| Average equity | $35,956,000 | 2,031 |
| Average total loans | $280,994,000 | 1,657 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6605% | 4,235 |
| Cost of funding earning assets | 0.3641% | 3,372 |
| Net interest margin | 3.2964% | 4,018 |
| Noninterest income to average assets | 0.6997% | 1,970 |
| Noninterest expense to average assets | 2.8502% | 2,613 |
| Loan and lease loss provision to assets | 0.0225% | 3,290 |
| Net operating income to assets | 0.6261% | 4,037 |
| Return on assets (ROA) | 0.6261% | 4,085 |
| Pretax return on assets | 0.8686% | 3,871 |
| Return on Equity (ROE) | 7.8090% | 3,017 |
| Retained earnings to average equity (ytd only) | -0.0448% | 4,921 |
| Net charge-offs to loans | -0.1043% | 5,455 |
| Credit loss provision to net charge-offs | -34.2466% | 3,837 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1825% | 1,881 |
| Assets per employee ($millions) | 4.5008% | 3,166 |
| Cash dividends to net income (ytd only)* | 100.5739% | 692 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0361% | 4,056 |
| Loan loss allowance to noncurrent loans | 412.5176% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 0.4213% | 3,497 |
| Noncurrent loans to loans | 0.2512% | 4,212 |
| Net loans and leases to total assets | 62.2445% | 3,506 |
| Net loans and leases to deposits | 71.2577% | 3,674 |
| Net loans and leases to core deposits | 97.6051% | 1,690 |
| Total domestic deposits to total assets | 87.3513% | 2,049 |
| Equity capital to assets | 7.9582% | 5,540 |
| Core capital (leverage) ratio | 8.2192% | 5,432 |
| Tier 1 risk-based capital ratio | 11.4081% | 5,085 |
| Total risk-based capital ratio | 12.3258% | 5,172 |
| Memoranda: | ||
| Average total assets | $445,302,000 | 1,579 |
| Average earning assets | $410,869,500 | 1,587 |
| Average equity | $35,702,500 | 2,052 |
| Average total loans | $279,848,000 | 1,673 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7049% | 4,193 |
| Cost of funding earning assets | 0.3542% | 3,470 |
| Net interest margin | 3.3507% | 3,995 |
| Noninterest income to average assets | 0.7543% | 1,940 |
| Noninterest expense to average assets | 2.8898% | 2,709 |
| Loan and lease loss provision to assets | 0.0532% | 3,319 |
| Net operating income to assets | 0.6508% | 3,995 |
| Return on assets (ROA) | 0.6835% | 3,971 |
| Pretax return on assets | 0.9483% | 3,662 |
| Return on Equity (ROE) | 8.2790% | 2,797 |
| Retained earnings to average equity (ytd only) | 4.3119% | 2,830 |
| Net charge-offs to loans | -0.0738% | 5,497 |
| Credit loss provision to net charge-offs | -114.4279% | 4,912 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.1384% | 2,117 |
| Assets per employee ($millions) | 4.2358% | 3,552 |
| Cash dividends to net income (ytd only)* | 47.9174% | 2,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0249% | 4,168 |
| Loan loss allowance to noncurrent loans | 595.5882% | 930 |
| Noncurrent assets plus other real estate owned to assets | 0.3816% | 3,747 |
| Noncurrent loans to loans | 0.1721% | 4,546 |
| Net loans and leases to total assets | 62.1482% | 3,597 |
| Net loans and leases to deposits | 71.1488% | 3,795 |
| Net loans and leases to core deposits | 99.9303% | 1,626 |
| Total domestic deposits to total assets | 87.3497% | 1,955 |
| Equity capital to assets | 8.0783% | 5,526 |
| Core capital (leverage) ratio | 8.4509% | 5,314 |
| Tier 1 risk-based capital ratio | 11.8020% | 4,861 |
| Total risk-based capital ratio | 12.7195% | 4,979 |
| Memoranda: | ||
| Average total assets | $432,037,400 | 1,572 |
| Average earning assets | $398,630,600 | 1,575 |
| Average equity | $35,668,600 | 2,044 |
| Average total loans | $272,377,200 | 1,657 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7194% | 4,186 |
| Cost of funding earning assets | 0.3575% | 3,459 |
| Net interest margin | 3.3619% | 3,986 |
| Noninterest income to average assets | 0.7493% | 1,967 |
| Noninterest expense to average assets | 2.8879% | 2,675 |
| Loan and lease loss provision to assets | 0.0605% | 3,042 |
| Net operating income to assets | 0.6530% | 4,071 |
| Return on assets (ROA) | 0.6854% | 4,060 |
| Pretax return on assets | 0.9493% | 3,817 |
| Return on Equity (ROE) | 8.2563% | 2,876 |
| Retained earnings to average equity (ytd only) | 4.3037% | 3,258 |
| Net charge-offs to loans | -0.1061% | 5,591 |
| Credit loss provision to net charge-offs | -90.2778% | 4,743 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9577% | 2,116 |
| Assets per employee ($millions) | 4.2753% | 3,456 |
| Cash dividends to net income (ytd only)* | 47.8733% | 1,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 4,236 |
| Loan loss allowance to noncurrent loans | 746.6844% | 767 |
| Noncurrent assets plus other real estate owned to assets | 0.3735% | 3,927 |
| Noncurrent loans to loans | 0.1381% | 4,790 |
| Net loans and leases to total assets | 63.1893% | 3,498 |
| Net loans and leases to deposits | 72.2013% | 3,788 |
| Net loans and leases to core deposits | 98.0115% | 1,812 |
| Total domestic deposits to total assets | 87.5182% | 1,654 |
| Equity capital to assets | 8.5651% | 5,496 |
| Core capital (leverage) ratio | 8.4641% | 5,393 |
| Tier 1 risk-based capital ratio | 11.8109% | 4,911 |
| Total risk-based capital ratio | 12.7325% | 5,008 |
| Memoranda: | ||
| Average total assets | $429,915,250 | 1,575 |
| Average earning assets | $396,863,250 | 1,582 |
| Average equity | $35,689,000 | 2,051 |
| Average total loans | $271,318,000 | 1,666 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7118% | 4,257 |
| Cost of funding earning assets | 0.3642% | 3,410 |
| Net interest margin | 3.3476% | 4,068 |
| Noninterest income to average assets | 0.7221% | 2,039 |
| Noninterest expense to average assets | 2.8562% | 2,821 |
| Loan and lease loss provision to assets | 0.0604% | 2,932 |
| Net operating income to assets | 0.6471% | 4,050 |
| Return on assets (ROA) | 0.6956% | 3,967 |
| Pretax return on assets | 0.9631% | 3,732 |
| Return on Equity (ROE) | 8.4682% | 2,763 |
| Retained earnings to average equity (ytd only) | 4.5055% | 3,046 |
| Net charge-offs to loans | -0.2068% | 5,818 |
| Credit loss provision to net charge-offs | -46.4286% | 4,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9208% | 2,230 |
| Assets per employee ($millions) | 4.3270% | 3,323 |
| Cash dividends to net income (ytd only)* | 46.7957% | 2,110 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0240% | 4,384 |
| Loan loss allowance to noncurrent loans | 589.9371% | 935 |
| Noncurrent assets plus other real estate owned to assets | 0.3985% | 3,900 |
| Noncurrent loans to loans | 0.1736% | 4,740 |
| Net loans and leases to total assets | 63.4946% | 3,437 |
| Net loans and leases to deposits | 74.0465% | 3,590 |
| Net loans and leases to core deposits | 97.6432% | 1,839 |
| Total domestic deposits to total assets | 85.7497% | 2,538 |
| Equity capital to assets | 8.4373% | 5,632 |
| Core capital (leverage) ratio | 8.3377% | 5,500 |
| Tier 1 risk-based capital ratio | 11.4958% | 5,158 |
| Total risk-based capital ratio | 12.4013% | 5,255 |
| Memoranda: | ||
| Average total assets | $430,711,000 | 1,575 |
| Average earning assets | $397,595,000 | 1,584 |
| Average equity | $35,379,330 | 2,071 |
| Average total loans | $270,768,330 | 1,668 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6877% | 4,366 |
| Cost of funding earning assets | 0.3743% | 3,353 |
| Net interest margin | 3.3134% | 4,176 |
| Noninterest income to average assets | 0.7002% | 2,044 |
| Noninterest expense to average assets | 2.8063% | 3,042 |
| Loan and lease loss provision to assets | 0.0695% | 2,563 |
| Net operating income to assets | 0.6280% | 4,067 |
| Return on assets (ROA) | 0.7233% | 3,715 |
| Pretax return on assets | 1.0169% | 3,414 |
| Return on Equity (ROE) | 8.9264% | 2,459 |
| Retained earnings to average equity (ytd only) | 5.2804% | 2,775 |
| Net charge-offs to loans | -0.0268% | 5,011 |
| Credit loss provision to net charge-offs | -416.6667% | 4,505 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6673% | 2,380 |
| Assets per employee ($millions) | 4.3304% | 3,363 |
| Cash dividends to net income (ytd only)* | 40.8451% | 2,050 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9209% | 4,987 |
| Loan loss allowance to noncurrent loans | 426.1092% | 1,200 |
| Noncurrent assets plus other real estate owned to assets | 0.4217% | 3,907 |
| Noncurrent loans to loans | 0.2161% | 4,657 |
| Net loans and leases to total assets | 62.0354% | 3,521 |
| Net loans and leases to deposits | 71.4779% | 3,700 |
| Net loans and leases to core deposits | 95.1857% | 1,873 |
| Total domestic deposits to total assets | 86.7896% | 2,304 |
| Equity capital to assets | 8.2064% | 5,742 |
| Core capital (leverage) ratio | 8.2268% | 5,630 |
| Tier 1 risk-based capital ratio | 11.3522% | 5,309 |
| Total risk-based capital ratio | 12.1532% | 5,460 |
| Memoranda: | ||
| Average total assets | $431,881,500 | 1,576 |
| Average earning assets | $398,627,000 | 1,575 |
| Average equity | $34,997,500 | 2,087 |
| Average total loans | $268,749,500 | 1,674 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7294% | 4,281 |
| Cost of funding earning assets | 0.4198% | 2,943 |
| Net interest margin | 3.3096% | 4,257 |
| Noninterest income to average assets | 0.6668% | 2,367 |
| Noninterest expense to average assets | 3.0167% | 2,487 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.5010% | 4,693 |
| Return on assets (ROA) | 0.5066% | 4,756 |
| Pretax return on assets | 0.6779% | 4,590 |
| Return on Equity (ROE) | 6.0556% | 4,008 |
| Retained earnings to average equity (ytd only) | 2.5142% | 4,284 |
| Net charge-offs to loans | 0.0495% | 3,214 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 21.6406% | 1,805 |
| Efficiency ratio | 81.8170% | 1,433 |
| Assets per employee ($millions) | 4.3952% | 3,226 |
| Cash dividends to net income (ytd only)* | 58.4806% | 1,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9025% | 5,076 |
| Loan loss allowance to noncurrent loans | 262.4454% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.5029% | 3,630 |
| Noncurrent loans to loans | 0.3439% | 4,234 |
| Net loans and leases to total assets | 61.2830% | 3,652 |
| Net loans and leases to deposits | 75.3741% | 3,332 |
| Net loans and leases to core deposits | 97.0067% | 1,755 |
| Total domestic deposits to total assets | 81.3050% | 4,399 |
| Equity capital to assets | 8.0000% | 5,854 |
| Core capital (leverage) ratio | 8.4252% | 5,494 |
| Tier 1 risk-based capital ratio | 11.5302% | 5,232 |
| Total risk-based capital ratio | 12.3238% | 5,387 |
| Memoranda: | ||
| Average total assets | $413,163,800 | 1,594 |
| Average earning assets | $377,055,200 | 1,617 |
| Average equity | $34,563,000 | 2,064 |
| Average total loans | $258,538,400 | 1,679 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7502% | 4,259 |
| Cost of funding earning assets | 0.4345% | 2,858 |
| Net interest margin | 3.3158% | 4,278 |
| Noninterest income to average assets | 0.8177% | 1,733 |
| Noninterest expense to average assets | 3.0415% | 2,394 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5827% | 4,466 |
| Return on assets (ROA) | 0.5900% | 4,532 |
| Pretax return on assets | 0.8083% | 4,314 |
| Return on Equity (ROE) | 6.9731% | 3,631 |
| Retained earnings to average equity (ytd only) | 3.4846% | 3,987 |
| Net charge-offs to loans | 0.0686% | 2,584 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 18.5374% | 1,995 |
| Efficiency ratio | 79.2134% | 1,771 |
| Assets per employee ($millions) | 4.0752% | 3,747 |
| Cash dividends to net income (ytd only)* | 50.0278% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9348% | 5,048 |
| Loan loss allowance to noncurrent loans | 258.0645% | 1,817 |
| Noncurrent assets plus other real estate owned to assets | 1.2818% | 1,826 |
| Noncurrent loans to loans | 0.3622% | 4,312 |
| Net loans and leases to total assets | 63.6844% | 3,354 |
| Net loans and leases to deposits | 74.5605% | 3,473 |
| Net loans and leases to core deposits | 92.3397% | 2,231 |
| Total domestic deposits to total assets | 85.4131% | 2,823 |
| Equity capital to assets | 8.8132% | 5,479 |
| Core capital (leverage) ratio | 8.5520% | 5,514 |
| Tier 1 risk-based capital ratio | 11.8361% | 5,177 |
| Total risk-based capital ratio | 12.6486% | 5,339 |
| Memoranda: | ||
| Average total assets | $408,773,500 | 1,623 |
| Average earning assets | $372,553,500 | 1,644 |
| Average equity | $34,589,250 | 2,079 |
| Average total loans | $256,581,750 | 1,696 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7171% | 4,361 |
| Cost of funding earning assets | 0.4503% | 2,727 |
| Net interest margin | 3.2668% | 4,432 |
| Noninterest income to average assets | 0.8016% | 1,771 |
| Noninterest expense to average assets | 2.9992% | 2,557 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.5720% | 4,460 |
| Return on assets (ROA) | 0.5720% | 4,564 |
| Pretax return on assets | 0.7788% | 4,390 |
| Return on Equity (ROE) | 6.8515% | 3,701 |
| Retained earnings to average equity (ytd only) | 3.5130% | 3,793 |
| Net charge-offs to loans | 0.0912% | 2,113 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 13.7094% | 2,108 |
| Efficiency ratio | 79.3857% | 1,855 |
| Assets per employee ($millions) | 4.1831% | 3,501 |
| Cash dividends to net income (ytd only)* | 48.7267% | 1,994 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9248% | 5,202 |
| Loan loss allowance to noncurrent loans | 191.2114% | 2,306 |
| Noncurrent assets plus other real estate owned to assets | 1.2790% | 1,967 |
| Noncurrent loans to loans | 0.4837% | 4,023 |
| Net loans and leases to total assets | 63.1112% | 3,399 |
| Net loans and leases to deposits | 73.1487% | 3,599 |
| Net loans and leases to core deposits | 93.4061% | 2,014 |
| Total domestic deposits to total assets | 86.2780% | 2,541 |
| Equity capital to assets | 8.4271% | 5,742 |
| Core capital (leverage) ratio | 8.3947% | 5,645 |
| Tier 1 risk-based capital ratio | 11.3932% | 5,529 |
| Total risk-based capital ratio | 12.1870% | 5,657 |
| Memoranda: | ||
| Average total assets | $411,909,330 | 1,623 |
| Average earning assets | $375,293,330 | 1,644 |
| Average equity | $34,386,670 | 2,100 |
| Average total loans | $256,531,000 | 1,704 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6298% | 4,599 |
| Cost of funding earning assets | 0.4654% | 2,614 |
| Net interest margin | 3.1644% | 4,739 |
| Noninterest income to average assets | 0.7605% | 1,863 |
| Noninterest expense to average assets | 2.9790% | 2,643 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5028% | 4,670 |
| Return on assets (ROA) | 0.5028% | 4,789 |
| Pretax return on assets | 0.6665% | 4,705 |
| Return on Equity (ROE) | 6.0512% | 4,007 |
| Retained earnings to average equity (ytd only) | 2.3319% | 4,524 |
| Net charge-offs to loans | 0.0142% | 2,890 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 76.4444% | 615 |
| Efficiency ratio | 81.7167% | 1,657 |
| Assets per employee ($millions) | 4.0702% | 3,825 |
| Cash dividends to net income (ytd only)* | 61.4644% | 1,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9860% | 5,104 |
| Loan loss allowance to noncurrent loans | 191.4264% | 2,302 |
| Noncurrent assets plus other real estate owned to assets | 1.4746% | 1,787 |
| Noncurrent loans to loans | 0.5151% | 4,035 |
| Net loans and leases to total assets | 61.0278% | 3,525 |
| Net loans and leases to deposits | 72.2839% | 3,512 |
| Net loans and leases to core deposits | 90.4362% | 2,088 |
| Total domestic deposits to total assets | 84.4279% | 3,643 |
| Equity capital to assets | 8.3056% | 5,867 |
| Core capital (leverage) ratio | 8.3050% | 5,723 |
| Tier 1 risk-based capital ratio | 11.6747% | 5,452 |
| Total risk-based capital ratio | 12.5345% | 5,582 |
| Memoranda: | ||
| Average total assets | $412,894,000 | 1,630 |
| Average earning assets | $376,440,000 | 1,640 |
| Average equity | $34,307,000 | 2,114 |
| Average total loans | $254,230,000 | 1,711 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7176% | 4,727 |
| Cost of funding earning assets | 0.5196% | 2,492 |
| Net interest margin | 3.1981% | 4,924 |
| Noninterest income to average assets | 0.8089% | 1,837 |
| Noninterest expense to average assets | 2.9127% | 3,106 |
| Loan and lease loss provision to assets | 0.0220% | 4,176 |
| Net operating income to assets | 0.5707% | 4,506 |
| Return on assets (ROA) | 0.6228% | 4,370 |
| Pretax return on assets | 0.8638% | 4,023 |
| Return on Equity (ROE) | 7.9113% | 3,179 |
| Retained earnings to average equity (ytd only) | 4.0383% | 3,332 |
| Net charge-offs to loans | 0.1547% | 2,488 |
| Credit loss provision to net charge-offs | 24.2188% | 3,921 |
| Earnings coverage of net charge-offs (x) | 8.9479% | 2,811 |
| Efficiency ratio | 78.1703% | 2,193 |
| Assets per employee ($millions) | 4.1062% | 3,712 |
| Cash dividends to net income (ytd only)* | 48.9548% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 5,042 |
| Loan loss allowance to noncurrent loans | 185.0877% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 1.5033% | 1,814 |
| Noncurrent loans to loans | 0.5416% | 4,035 |
| Net loans and leases to total assets | 60.8926% | 3,653 |
| Net loans and leases to deposits | 72.1149% | 3,671 |
| Net loans and leases to core deposits | 89.7448% | 2,306 |
| Total domestic deposits to total assets | 84.4383% | 3,542 |
| Equity capital to assets | 8.3122% | 5,885 |
| Core capital (leverage) ratio | 8.2308% | 5,839 |
| Tier 1 risk-based capital ratio | 11.6385% | 5,584 |
| Total risk-based capital ratio | 12.5037% | 5,718 |
| Memoranda: | ||
| Average total assets | $422,429,600 | 1,571 |
| Average earning assets | $385,328,000 | 1,578 |
| Average equity | $33,256,200 | 2,091 |
| Average total loans | $248,258,600 | 1,698 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7074% | 4,833 |
| Cost of funding earning assets | 0.5294% | 2,473 |
| Net interest margin | 3.1780% | 5,034 |
| Noninterest income to average assets | 0.7968% | 1,904 |
| Noninterest expense to average assets | 2.8764% | 3,210 |
| Loan and lease loss provision to assets | 0.0292% | 3,826 |
| Net operating income to assets | 0.5751% | 4,564 |
| Return on assets (ROA) | 0.6056% | 4,508 |
| Pretax return on assets | 0.8325% | 4,249 |
| Return on Equity (ROE) | 7.7971% | 3,315 |
| Retained earnings to average equity (ytd only) | 4.1447% | 3,705 |
| Net charge-offs to loans | 0.1947% | 1,910 |
| Credit loss provision to net charge-offs | 25.7618% | 3,511 |
| Earnings coverage of net charge-offs (x) | 7.2466% | 2,950 |
| Efficiency ratio | 77.8173% | 2,210 |
| Assets per employee ($millions) | 4.0398% | 3,794 |
| Cash dividends to net income (ytd only)* | 46.8427% | 2,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0329% | 5,059 |
| Loan loss allowance to noncurrent loans | 163.5723% | 2,533 |
| Noncurrent assets plus other real estate owned to assets | 1.3808% | 2,239 |
| Noncurrent loans to loans | 0.6315% | 4,033 |
| Net loans and leases to total assets | 59.9961% | 3,785 |
| Net loans and leases to deposits | 72.8575% | 3,582 |
| Net loans and leases to core deposits | 88.6749% | 2,354 |
| Total domestic deposits to total assets | 82.3472% | 4,362 |
| Equity capital to assets | 8.2376% | 5,988 |
| Core capital (leverage) ratio | 8.0209% | 6,052 |
| Tier 1 risk-based capital ratio | 11.7871% | 5,618 |
| Total risk-based capital ratio | 12.6797% | 5,759 |
| Memoranda: | ||
| Average total assets | $425,381,250 | 1,575 |
| Average earning assets | $388,112,250 | 1,578 |
| Average equity | $33,037,250 | 2,110 |
| Average total loans | $247,180,500 | 1,716 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6639% | 4,965 |
| Cost of funding earning assets | 0.5378% | 2,455 |
| Net interest margin | 3.1261% | 5,170 |
| Noninterest income to average assets | 0.7519% | 2,037 |
| Noninterest expense to average assets | 2.7975% | 3,521 |
| Loan and lease loss provision to assets | 0.0334% | 3,620 |
| Net operating income to assets | 0.5775% | 4,465 |
| Return on assets (ROA) | 0.5775% | 4,568 |
| Pretax return on assets | 0.7737% | 4,368 |
| Return on Equity (ROE) | 7.5808% | 3,329 |
| Retained earnings to average equity (ytd only) | 3.9335% | 3,678 |
| Net charge-offs to loans | -0.0219% | 5,580 |
| Credit loss provision to net charge-offs | -266.6667% | 5,445 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6091% | 2,355 |
| Assets per employee ($millions) | 4.3350% | 3,202 |
| Cash dividends to net income (ytd only)* | 48.1124% | 2,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 4,506 |
| Loan loss allowance to noncurrent loans | 255.1965% | 1,734 |
| Noncurrent assets plus other real estate owned to assets | 1.2447% | 2,617 |
| Noncurrent loans to loans | 0.4633% | 4,610 |
| Net loans and leases to total assets | 57.4827% | 4,053 |
| Net loans and leases to deposits | 67.5410% | 4,102 |
| Net loans and leases to core deposits | 84.3860% | 2,698 |
| Total domestic deposits to total assets | 85.1078% | 3,454 |
| Equity capital to assets | 7.8856% | 6,215 |
| Core capital (leverage) ratio | 7.7000% | 6,248 |
| Tier 1 risk-based capital ratio | 11.6086% | 5,741 |
| Total risk-based capital ratio | 12.6253% | 5,814 |
| Memoranda: | ||
| Average total assets | $431,168,330 | 1,554 |
| Average earning assets | $393,456,670 | 1,561 |
| Average equity | $32,846,000 | 2,108 |
| Average total loans | $247,123,670 | 1,714 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6313% | 5,064 |
| Cost of funding earning assets | 0.5551% | 2,385 |
| Net interest margin | 3.0762% | 5,320 |
| Noninterest income to average assets | 0.7156% | 2,099 |
| Noninterest expense to average assets | 2.7702% | 3,677 |
| Loan and lease loss provision to assets | 0.0368% | 3,324 |
| Net operating income to assets | 0.5756% | 4,319 |
| Return on assets (ROA) | 0.5756% | 4,390 |
| Pretax return on assets | 0.7156% | 4,439 |
| Return on Equity (ROE) | 7.6878% | 3,096 |
| Retained earnings to average equity (ytd only) | 4.0838% | 3,668 |
| Net charge-offs to loans | -0.0405% | 5,713 |
| Credit loss provision to net charge-offs | -160.0000% | 4,928 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6405% | 2,383 |
| Assets per employee ($millions) | 4.4783% | 3,004 |
| Cash dividends to net income (ytd only)* | 46.8800% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1667% | 4,794 |
| Loan loss allowance to noncurrent loans | 187.7763% | 2,198 |
| Noncurrent assets plus other real estate owned to assets | 1.3506% | 2,614 |
| Noncurrent loans to loans | 0.6213% | 4,311 |
| Net loans and leases to total assets | 56.3215% | 4,104 |
| Net loans and leases to deposits | 67.3225% | 3,933 |
| Net loans and leases to core deposits | 84.8345% | 2,433 |
| Total domestic deposits to total assets | 83.6592% | 4,399 |
| Equity capital to assets | 7.5535% | 6,297 |
| Core capital (leverage) ratio | 7.5892% | 6,309 |
| Tier 1 risk-based capital ratio | 11.4142% | 5,956 |
| Total risk-based capital ratio | 12.4117% | 6,043 |
| Memoranda: | ||
| Average total assets | $434,339,000 | 1,547 |
| Average earning assets | $396,334,500 | 1,559 |
| Average equity | $32,519,000 | 2,122 |
| Average total loans | $247,123,500 | 1,713 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5073% | 5,624 |
| Cost of funding earning assets | 0.6248% | 2,438 |
| Net interest margin | 2.8825% | 5,818 |
| Noninterest income to average assets | 0.8500% | 1,866 |
| Noninterest expense to average assets | 2.8944% | 3,388 |
| Loan and lease loss provision to assets | 0.0173% | 4,785 |
| Net operating income to assets | 0.4325% | 5,026 |
| Return on assets (ROA) | 0.4702% | 5,003 |
| Pretax return on assets | 0.5974% | 4,882 |
| Return on Equity (ROE) | 6.3569% | 3,892 |
| Retained earnings to average equity (ytd only) | 1.7414% | 4,998 |
| Net charge-offs to loans | 0.1418% | 3,387 |
| Credit loss provision to net charge-offs | 22.4551% | 4,404 |
| Earnings coverage of net charge-offs (x) | 7.3533% | 2,863 |
| Efficiency ratio | 83.6201% | 1,672 |
| Assets per employee ($millions) | 4.4772% | 2,946 |
| Cash dividends to net income (ytd only)* | 72.6068% | 1,214 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1443% | 4,935 |
| Loan loss allowance to noncurrent loans | 168.7388% | 2,404 |
| Noncurrent assets plus other real estate owned to assets | 1.4180% | 2,623 |
| Noncurrent loans to loans | 0.6781% | 4,279 |
| Net loans and leases to total assets | 56.1565% | 4,296 |
| Net loans and leases to deposits | 70.3591% | 3,737 |
| Net loans and leases to core deposits | 87.3333% | 2,316 |
| Total domestic deposits to total assets | 79.8142% | 5,489 |
| Equity capital to assets | 7.4205% | 6,320 |
| Core capital (leverage) ratio | 7.6059% | 6,338 |
| Tier 1 risk-based capital ratio | 11.2604% | 6,044 |
| Total risk-based capital ratio | 12.2320% | 6,128 |
| Memoranda: | ||
| Average total assets | $433,180,800 | 1,529 |
| Average earning assets | $392,441,000 | 1,540 |
| Average equity | $32,043,800 | 2,127 |
| Average total loans | $235,545,000 | 1,755 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4674% | 5,759 |
| Cost of funding earning assets | 0.6390% | 2,460 |
| Net interest margin | 2.8284% | 5,964 |
| Noninterest income to average assets | 0.8750% | 1,843 |
| Noninterest expense to average assets | 2.8692% | 3,411 |
| Loan and lease loss provision to assets | 0.0770% | 3,521 |
| Net operating income to assets | 0.3882% | 5,292 |
| Return on assets (ROA) | 0.4392% | 5,218 |
| Pretax return on assets | 0.5498% | 5,206 |
| Return on Equity (ROE) | 5.9419% | 4,218 |
| Retained earnings to average equity (ytd only) | 0.8417% | 5,647 |
| Net charge-offs to loans | 0.1764% | 2,809 |
| Credit loss provision to net charge-offs | 81.1688% | 2,821 |
| Earnings coverage of net charge-offs (x) | 5.9350% | 3,069 |
| Efficiency ratio | 83.5966% | 1,648 |
| Assets per employee ($millions) | 4.4952% | 2,892 |
| Cash dividends to net income (ytd only)* | 85.8344% | 651 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3009% | 4,385 |
| Loan loss allowance to noncurrent loans | 217.5540% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 1.4488% | 2,776 |
| Noncurrent loans to loans | 0.5980% | 4,705 |
| Net loans and leases to total assets | 54.2955% | 4,563 |
| Net loans and leases to deposits | 65.4412% | 4,361 |
| Net loans and leases to core deposits | 81.3867% | 2,951 |
| Total domestic deposits to total assets | 82.9684% | 4,583 |
| Equity capital to assets | 7.4129% | 6,422 |
| Core capital (leverage) ratio | 7.5634% | 6,425 |
| Tier 1 risk-based capital ratio | 11.4424% | 6,084 |
| Total risk-based capital ratio | 12.5118% | 6,131 |
| Memoranda: | ||
| Average total assets | $432,904,500 | 1,540 |
| Average earning assets | $391,407,500 | 1,554 |
| Average equity | $31,998,250 | 2,148 |
| Average total loans | $232,755,500 | 1,769 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4513% | 5,791 |
| Cost of funding earning assets | 0.6473% | 2,520 |
| Net interest margin | 2.8039% | 5,996 |
| Noninterest income to average assets | 0.8782% | 1,897 |
| Noninterest expense to average assets | 2.8775% | 3,414 |
| Loan and lease loss provision to assets | 0.1146% | 2,899 |
| Net operating income to assets | 0.3398% | 5,448 |
| Return on assets (ROA) | 0.4166% | 5,313 |
| Pretax return on assets | 0.5143% | 5,325 |
| Return on Equity (ROE) | 5.6419% | 4,381 |
| Retained earnings to average equity (ytd only) | -0.6889% | 5,992 |
| Net charge-offs to loans | 0.2207% | 2,420 |
| Credit loss provision to net charge-offs | 97.2763% | 2,297 |
| Earnings coverage of net charge-offs (x) | 4.5331% | 3,103 |
| Efficiency ratio | 84.3477% | 1,593 |
| Assets per employee ($millions) | 4.1903% | 3,376 |
| Cash dividends to net income (ytd only)* | 112.2112% | 412 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3451% | 4,293 |
| Loan loss allowance to noncurrent loans | 200.0651% | 1,991 |
| Noncurrent assets plus other real estate owned to assets | 1.2859% | 3,195 |
| Noncurrent loans to loans | 0.6723% | 4,592 |
| Net loans and leases to total assets | 51.7520% | 4,896 |
| Net loans and leases to deposits | 61.8215% | 4,762 |
| Net loans and leases to core deposits | 76.2719% | 3,512 |
| Total domestic deposits to total assets | 83.7120% | 4,446 |
| Equity capital to assets | 7.1074% | 6,577 |
| Core capital (leverage) ratio | 7.3336% | 6,516 |
| Tier 1 risk-based capital ratio | 11.4396% | 6,143 |
| Total risk-based capital ratio | 12.5373% | 6,177 |
| Memoranda: | ||
| Average total assets | $436,356,330 | 1,525 |
| Average earning assets | $394,230,330 | 1,546 |
| Average equity | $32,223,330 | 2,142 |
| Average total loans | $232,857,670 | 1,769 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4823% | 5,751 |
| Cost of funding earning assets | 0.6458% | 2,698 |
| Net interest margin | 2.8365% | 5,952 |
| Noninterest income to average assets | 0.8739% | 1,849 |
| Noninterest expense to average assets | 2.8719% | 3,456 |
| Loan and lease loss provision to assets | 0.1374% | 2,522 |
| Net operating income to assets | 0.3231% | 5,480 |
| Return on assets (ROA) | 0.4654% | 5,010 |
| Pretax return on assets | 0.6174% | 4,884 |
| Return on Equity (ROE) | 6.1860% | 3,947 |
| Retained earnings to average equity (ytd only) | -0.0244% | 5,778 |
| Net charge-offs to loans | 0.2724% | 1,867 |
| Credit loss provision to net charge-offs | 93.7500% | 1,955 |
| Earnings coverage of net charge-offs (x) | 3.8563% | 2,658 |
| Efficiency ratio | 83.5554% | 1,827 |
| Assets per employee ($millions) | 4.2678% | 3,393 |
| Cash dividends to net income (ytd only)* | 100.3937% | 644 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3229% | 4,586 |
| Loan loss allowance to noncurrent loans | 195.5442% | 1,937 |
| Noncurrent assets plus other real estate owned to assets | 1.4050% | 3,165 |
| Noncurrent loans to loans | 0.6765% | 4,771 |
| Net loans and leases to total assets | 52.1290% | 4,688 |
| Net loans and leases to deposits | 62.6251% | 4,459 |
| Net loans and leases to core deposits | 77.3045% | 3,158 |
| Total domestic deposits to total assets | 83.2397% | 4,778 |
| Equity capital to assets | 7.4425% | 6,609 |
| Core capital (leverage) ratio | 7.3805% | 6,512 |
| Tier 1 risk-based capital ratio | 11.3589% | 6,253 |
| Total risk-based capital ratio | 12.4441% | 6,296 |
| Memoranda: | ||
| Average total assets | $436,640,500 | 1,541 |
| Average earning assets | $394,565,000 | 1,554 |
| Average equity | $32,848,500 | 2,133 |
| Average total loans | $234,984,500 | 1,762 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9141% | 5,531 |
| Cost of funding earning assets | 0.8263% | 2,452 |
| Net interest margin | 3.0878% | 5,847 |
| Noninterest income to average assets | 0.9306% | 1,769 |
| Noninterest expense to average assets | 2.9977% | 3,285 |
| Loan and lease loss provision to assets | 0.1235% | 4,075 |
| Net operating income to assets | 0.4288% | 4,971 |
| Return on assets (ROA) | 0.5590% | 4,690 |
| Pretax return on assets | 0.7613% | 4,442 |
| Return on Equity (ROE) | 7.0601% | 3,608 |
| Retained earnings to average equity (ytd only) | 1.2982% | 5,220 |
| Net charge-offs to loans | 0.2423% | 3,492 |
| Credit loss provision to net charge-offs | 90.2439% | 3,469 |
| Earnings coverage of net charge-offs (x) | 5.1603% | 3,129 |
| Efficiency ratio | 80.9285% | 2,017 |
| Assets per employee ($millions) | 4.2107% | 3,531 |
| Cash dividends to net income (ytd only)* | 81.6126% | 953 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2963% | 4,650 |
| Loan loss allowance to noncurrent loans | 154.7189% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 1.8863% | 2,588 |
| Noncurrent loans to loans | 0.8379% | 4,516 |
| Net loans and leases to total assets | 54.1079% | 4,604 |
| Net loans and leases to deposits | 66.0389% | 4,278 |
| Net loans and leases to core deposits | 77.0238% | 3,402 |
| Total domestic deposits to total assets | 81.9334% | 5,126 |
| Equity capital to assets | 7.6046% | 6,591 |
| Core capital (leverage) ratio | 7.6926% | 6,409 |
| Tier 1 risk-based capital ratio | 11.3292% | 6,197 |
| Total risk-based capital ratio | 12.4150% | 6,252 |
| Memoranda: | ||
| Average total assets | $419,284,200 | 1,564 |
| Average earning assets | $376,611,200 | 1,584 |
| Average equity | $33,200,600 | 2,074 |
| Average total loans | $236,902,800 | 1,732 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9896% | 5,545 |
| Cost of funding earning assets | 0.8828% | 2,287 |
| Net interest margin | 3.1067% | 5,930 |
| Noninterest income to average assets | 0.9193% | 1,765 |
| Noninterest expense to average assets | 2.9663% | 3,349 |
| Loan and lease loss provision to assets | 0.1501% | 3,661 |
| Net operating income to assets | 0.4346% | 5,102 |
| Return on assets (ROA) | 0.6097% | 4,600 |
| Pretax return on assets | 0.8375% | 4,347 |
| Return on Equity (ROE) | 7.6216% | 3,458 |
| Retained earnings to average equity (ytd only) | 1.8723% | 5,404 |
| Net charge-offs to loans | 0.2411% | 3,279 |
| Credit loss provision to net charge-offs | 109.3458% | 2,687 |
| Earnings coverage of net charge-offs (x) | 5.4463% | 3,024 |
| Efficiency ratio | 79.8687% | 2,113 |
| Assets per employee ($millions) | 4.1492% | 3,575 |
| Cash dividends to net income (ytd only)* | 75.4340% | 765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3506% | 4,576 |
| Loan loss allowance to noncurrent loans | 93.5807% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 2.3678% | 2,244 |
| Noncurrent loans to loans | 1.4432% | 3,642 |
| Net loans and leases to total assets | 56.5114% | 4,371 |
| Net loans and leases to deposits | 69.8089% | 3,918 |
| Net loans and leases to core deposits | 80.3432% | 3,161 |
| Total domestic deposits to total assets | 80.9515% | 5,374 |
| Equity capital to assets | 8.1857% | 6,493 |
| Core capital (leverage) ratio | 7.7389% | 6,500 |
| Tier 1 risk-based capital ratio | 11.5741% | 6,185 |
| Total risk-based capital ratio | 12.7167% | 6,214 |
| Memoranda: | ||
| Average total assets | $415,680,250 | 1,593 |
| Average earning assets | $373,934,000 | 1,611 |
| Average equity | $33,255,500 | 2,093 |
| Average total loans | $236,691,500 | 1,748 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0187% | 5,594 |
| Cost of funding earning assets | 0.9481% | 2,075 |
| Net interest margin | 3.0706% | 6,074 |
| Noninterest income to average assets | 0.9379% | 1,654 |
| Noninterest expense to average assets | 2.9273% | 3,515 |
| Loan and lease loss provision to assets | 0.1524% | 3,620 |
| Net operating income to assets | 0.4566% | 5,011 |
| Return on assets (ROA) | 0.5938% | 4,653 |
| Pretax return on assets | 0.8104% | 4,440 |
| Return on Equity (ROE) | 7.4790% | 3,533 |
| Retained earnings to average equity (ytd only) | 1.7083% | 5,340 |
| Net charge-offs to loans | 0.1746% | 3,552 |
| Credit loss provision to net charge-offs | 153.6232% | 1,804 |
| Earnings coverage of net charge-offs (x) | 7.8116% | 2,416 |
| Efficiency ratio | 79.0680% | 2,312 |
| Assets per employee ($millions) | 4.1964% | 3,462 |
| Cash dividends to net income (ytd only)* | 77.1590% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3763% | 4,546 |
| Loan loss allowance to noncurrent loans | 143.0018% | 2,337 |
| Noncurrent assets plus other real estate owned to assets | 2.0869% | 2,680 |
| Noncurrent loans to loans | 0.9625% | 4,584 |
| Net loans and leases to total assets | 56.0400% | 4,462 |
| Net loans and leases to deposits | 71.3850% | 3,702 |
| Net loans and leases to core deposits | 77.3324% | 3,612 |
| Total domestic deposits to total assets | 78.5038% | 6,053 |
| Equity capital to assets | 8.0096% | 6,561 |
| Core capital (leverage) ratio | 7.6568% | 6,537 |
| Tier 1 risk-based capital ratio | 11.3189% | 6,335 |
| Total risk-based capital ratio | 12.4678% | 6,370 |
| Memoranda: | ||
| Average total assets | $417,318,000 | 1,591 |
| Average earning assets | $375,689,330 | 1,607 |
| Average equity | $33,132,670 | 2,079 |
| Average total loans | $237,152,670 | 1,738 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0955% | 5,473 |
| Cost of funding earning assets | 1.0403% | 1,746 |
| Net interest margin | 3.0552% | 6,169 |
| Noninterest income to average assets | 0.9124% | 1,695 |
| Noninterest expense to average assets | 2.8834% | 3,691 |
| Loan and lease loss provision to assets | 0.1913% | 3,039 |
| Net operating income to assets | 0.4442% | 5,062 |
| Return on assets (ROA) | 0.5403% | 4,861 |
| Pretax return on assets | 0.7182% | 4,735 |
| Return on Equity (ROE) | 6.8357% | 3,869 |
| Retained earnings to average equity (ytd only) | 1.0526% | 5,655 |
| Net charge-offs to loans | 0.1649% | 3,101 |
| Credit loss provision to net charge-offs | 204.0816% | 1,321 |
| Earnings coverage of net charge-offs (x) | 8.3367% | 1,969 |
| Efficiency ratio | 78.6795% | 2,403 |
| Assets per employee ($millions) | 4.2617% | 3,471 |
| Cash dividends to net income (ytd only)* | 84.6018% | 726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3820% | 4,684 |
| Loan loss allowance to noncurrent loans | 167.3554% | 1,951 |
| Noncurrent assets plus other real estate owned to assets | 2.0260% | 2,859 |
| Noncurrent loans to loans | 0.8258% | 5,022 |
| Net loans and leases to total assets | 54.7994% | 4,587 |
| Net loans and leases to deposits | 69.4465% | 3,809 |
| Net loans and leases to core deposits | 75.5244% | 3,684 |
| Total domestic deposits to total assets | 78.9088% | 6,097 |
| Equity capital to assets | 7.8555% | 6,608 |
| Core capital (leverage) ratio | 7.5726% | 6,583 |
| Tier 1 risk-based capital ratio | 11.3125% | 6,381 |
| Total risk-based capital ratio | 12.4646% | 6,415 |
| Memoranda: | ||
| Average total assets | $418,256,500 | 1,594 |
| Average earning assets | $376,802,500 | 1,608 |
| Average equity | $33,061,500 | 2,090 |
| Average total loans | $237,698,000 | 1,737 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3280% | 5,669 |
| Cost of funding earning assets | 1.1696% | 2,226 |
| Net interest margin | 3.1583% | 6,196 |
| Noninterest income to average assets | 0.8916% | 1,705 |
| Noninterest expense to average assets | 3.1090% | 3,164 |
| Loan and lease loss provision to assets | 0.3127% | 3,166 |
| Net operating income to assets | 0.2445% | 5,441 |
| Return on assets (ROA) | 0.5686% | 4,334 |
| Pretax return on assets | 0.7969% | 3,988 |
| Return on Equity (ROE) | 7.1690% | 3,324 |
| Retained earnings to average equity (ytd only) | 2.4371% | 4,485 |
| Net charge-offs to loans | 0.5129% | 2,936 |
| Credit loss provision to net charge-offs | 106.0732% | 3,212 |
| Earnings coverage of net charge-offs (x) | 2.2155% | 4,120 |
| Efficiency ratio | 82.6379% | 1,934 |
| Assets per employee ($millions) | 4.1461% | 3,560 |
| Cash dividends to net income (ytd only)* | 66.0052% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3023% | 4,894 |
| Loan loss allowance to noncurrent loans | 258.4843% | 1,279 |
| Noncurrent assets plus other real estate owned to assets | 1.9558% | 3,028 |
| Noncurrent loans to loans | 0.5038% | 5,700 |
| Net loans and leases to total assets | 57.3594% | 4,487 |
| Net loans and leases to deposits | 74.9787% | 3,349 |
| Net loans and leases to core deposits | 81.2210% | 3,297 |
| Total domestic deposits to total assets | 76.5009% | 6,410 |
| Equity capital to assets | 7.9545% | 6,602 |
| Core capital (leverage) ratio | 7.6134% | 6,593 |
| Tier 1 risk-based capital ratio | 11.2154% | 6,342 |
| Total risk-based capital ratio | 12.3247% | 6,397 |
| Memoranda: | ||
| Average total assets | $407,691,200 | 1,592 |
| Average earning assets | $370,544,600 | 1,600 |
| Average equity | $32,333,600 | 2,061 |
| Average total loans | $234,372,600 | 1,785 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3583% | 5,745 |
| Cost of funding earning assets | 1.1842% | 2,420 |
| Net interest margin | 3.1741% | 6,221 |
| Noninterest income to average assets | 0.8598% | 1,806 |
| Noninterest expense to average assets | 3.0360% | 3,417 |
| Loan and lease loss provision to assets | 0.3531% | 2,752 |
| Net operating income to assets | 0.2547% | 5,555 |
| Return on assets (ROA) | 0.5872% | 4,325 |
| Pretax return on assets | 0.8247% | 4,038 |
| Return on Equity (ROE) | 7.4100% | 3,323 |
| Retained earnings to average equity (ytd only) | 2.6523% | 4,767 |
| Net charge-offs to loans | 0.4251% | 3,017 |
| Credit loss provision to net charge-offs | 144.8787% | 2,186 |
| Earnings coverage of net charge-offs (x) | 2.9110% | 3,688 |
| Efficiency ratio | 81.0593% | 2,102 |
| Assets per employee ($millions) | 4.4226% | 3,045 |
| Cash dividends to net income (ytd only)* | 64.2059% | 1,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4230% | 4,453 |
| Loan loss allowance to noncurrent loans | 182.8848% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 2.2154% | 2,876 |
| Noncurrent loans to loans | 0.7781% | 5,321 |
| Net loans and leases to total assets | 56.6236% | 4,740 |
| Net loans and leases to deposits | 74.1740% | 3,632 |
| Net loans and leases to core deposits | 80.4010% | 3,578 |
| Total domestic deposits to total assets | 76.3389% | 6,480 |
| Equity capital to assets | 7.9760% | 6,708 |
| Core capital (leverage) ratio | 7.6472% | 6,673 |
| Tier 1 risk-based capital ratio | 11.3340% | 6,335 |
| Total risk-based capital ratio | 12.5535% | 6,351 |
| Memoranda: | ||
| Average total assets | $405,962,250 | 1,607 |
| Average earning assets | $369,065,750 | 1,616 |
| Average equity | $32,172,000 | 2,064 |
| Average total loans | $232,727,250 | 1,806 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3450% | 5,859 |
| Cost of funding earning assets | 1.1896% | 2,646 |
| Net interest margin | 3.1554% | 6,272 |
| Noninterest income to average assets | 0.8368% | 1,854 |
| Noninterest expense to average assets | 3.0354% | 3,505 |
| Loan and lease loss provision to assets | 0.3849% | 2,491 |
| Net operating income to assets | 0.2064% | 5,716 |
| Return on assets (ROA) | 0.6268% | 4,048 |
| Pretax return on assets | 0.8855% | 3,680 |
| Return on Equity (ROE) | 7.9263% | 2,972 |
| Retained earnings to average equity (ytd only) | 3.1215% | 4,291 |
| Net charge-offs to loans | 0.3866% | 3,014 |
| Credit loss provision to net charge-offs | 173.7668% | 1,737 |
| Earnings coverage of net charge-offs (x) | 3.0628% | 3,323 |
| Efficiency ratio | 81.7331% | 2,139 |
| Assets per employee ($millions) | 4.2876% | 3,184 |
| Cash dividends to net income (ytd only)* | 60.6181% | 1,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4391% | 4,402 |
| Loan loss allowance to noncurrent loans | 127.5460% | 2,312 |
| Noncurrent assets plus other real estate owned to assets | 2.2057% | 2,971 |
| Noncurrent loans to loans | 1.1283% | 4,775 |
| Net loans and leases to total assets | 56.4732% | 4,905 |
| Net loans and leases to deposits | 74.3439% | 3,748 |
| Net loans and leases to core deposits | 81.2919% | 3,608 |
| Total domestic deposits to total assets | 75.9621% | 6,602 |
| Equity capital to assets | 7.9332% | 6,725 |
| Core capital (leverage) ratio | 7.6924% | 6,590 |
| Tier 1 risk-based capital ratio | 11.3972% | 6,250 |
| Total risk-based capital ratio | 12.6277% | 6,252 |
| Memoranda: | ||
| Average total assets | $402,708,330 | 1,632 |
| Average earning assets | $367,181,670 | 1,634 |
| Average equity | $31,843,330 | 2,076 |
| Average total loans | $230,704,330 | 1,844 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3049% | 6,007 |
| Cost of funding earning assets | 1.2066% | 2,774 |
| Net interest margin | 3.0982% | 6,356 |
| Noninterest income to average assets | 0.8356% | 1,901 |
| Noninterest expense to average assets | 3.0001% | 3,645 |
| Loan and lease loss provision to assets | 0.4018% | 2,189 |
| Net operating income to assets | 0.1842% | 5,838 |
| Return on assets (ROA) | 0.5835% | 4,188 |
| Pretax return on assets | 0.8176% | 3,837 |
| Return on Equity (ROE) | 7.3923% | 3,203 |
| Retained earnings to average equity (ytd only) | 2.5320% | 4,643 |
| Net charge-offs to loans | 0.2490% | 3,090 |
| Credit loss provision to net charge-offs | 281.6901% | 1,126 |
| Earnings coverage of net charge-offs (x) | 4.6056% | 2,433 |
| Efficiency ratio | 82.0379% | 2,220 |
| Assets per employee ($millions) | 3.9554% | 3,930 |
| Cash dividends to net income (ytd only)* | 65.7487% | 1,117 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4754% | 4,322 |
| Loan loss allowance to noncurrent loans | 111.5101% | 2,595 |
| Noncurrent assets plus other real estate owned to assets | 2.3993% | 2,838 |
| Noncurrent loans to loans | 1.3231% | 4,490 |
| Net loans and leases to total assets | 54.4687% | 5,235 |
| Net loans and leases to deposits | 71.4391% | 4,148 |
| Net loans and leases to core deposits | 78.0354% | 4,014 |
| Total domestic deposits to total assets | 76.2449% | 6,631 |
| Equity capital to assets | 7.7147% | 6,737 |
| Core capital (leverage) ratio | 7.7599% | 6,500 |
| Tier 1 risk-based capital ratio | 11.5341% | 6,073 |
| Total risk-based capital ratio | 12.7650% | 6,071 |
| Memoranda: | ||
| Average total assets | $398,256,000 | 1,660 |
| Average earning assets | $362,657,000 | 1,657 |
| Average equity | $31,438,000 | 2,083 |
| Average total loans | $228,134,000 | 1,872 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6856% | 5,847 |
| Cost of funding earning assets | 1.3993% | 3,272 |
| Net interest margin | 3.2863% | 6,025 |
| Noninterest income to average assets | 0.9743% | 1,591 |
| Noninterest expense to average assets | 2.9700% | 3,956 |
| Loan and lease loss provision to assets | 0.6086% | 2,698 |
| Net operating income to assets | 0.2939% | 4,957 |
| Return on assets (ROA) | 0.4943% | 4,282 |
| Pretax return on assets | 0.6748% | 4,070 |
| Return on Equity (ROE) | 6.3424% | 3,424 |
| Retained earnings to average equity (ytd only) | 1.1107% | 4,990 |
| Net charge-offs to loans | 1.1440% | 1,945 |
| Credit loss provision to net charge-offs | 86.9947% | 5,243 |
| Earnings coverage of net charge-offs (x) | 1.4422% | 4,680 |
| Efficiency ratio | 74.6431% | 3,267 |
| Assets per employee ($millions) | 3.6708% | 4,524 |
| Cash dividends to net income (ytd only)* | 82.4876% | 776 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3266% | 4,867 |
| Loan loss allowance to noncurrent loans | 146.7209% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 2.0971% | 3,227 |
| Noncurrent loans to loans | 0.9042% | 5,253 |
| Net loans and leases to total assets | 58.5885% | 4,939 |
| Net loans and leases to deposits | 77.3277% | 3,616 |
| Net loans and leases to core deposits | 84.1670% | 3,569 |
| Total domestic deposits to total assets | 75.7664% | 6,662 |
| Equity capital to assets | 8.0815% | 6,404 |
| Core capital (leverage) ratio | 7.8045% | 6,431 |
| Tier 1 risk-based capital ratio | 11.5879% | 5,832 |
| Total risk-based capital ratio | 12.7358% | 5,926 |
| Memoranda: | ||
| Average total assets | $406,664,200 | 1,624 |
| Average earning assets | $371,821,400 | 1,618 |
| Average equity | $31,691,600 | 2,071 |
| Average total loans | $248,696,000 | 1,770 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7236% | 5,936 |
| Cost of funding earning assets | 1.4320% | 3,381 |
| Net interest margin | 3.2916% | 6,043 |
| Noninterest income to average assets | 0.8832% | 1,860 |
| Noninterest expense to average assets | 2.9566% | 3,900 |
| Loan and lease loss provision to assets | 0.6568% | 2,325 |
| Net operating income to assets | 0.2038% | 5,499 |
| Return on assets (ROA) | 0.4486% | 4,736 |
| Pretax return on assets | 0.6173% | 4,541 |
| Return on Equity (ROE) | 5.8072% | 3,900 |
| Retained earnings to average equity (ytd only) | 0.4535% | 5,616 |
| Net charge-offs to loans | 0.9261% | 2,145 |
| Credit loss provision to net charge-offs | 115.1877% | 3,623 |
| Earnings coverage of net charge-offs (x) | 1.6462% | 4,476 |
| Efficiency ratio | 75.9014% | 2,973 |
| Assets per employee ($millions) | 3.7906% | 4,294 |
| Cash dividends to net income (ytd only)* | 92.1912% | 435 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5335% | 3,812 |
| Loan loss allowance to noncurrent loans | 150.1826% | 1,882 |
| Noncurrent assets plus other real estate owned to assets | 2.1912% | 3,218 |
| Noncurrent loans to loans | 1.0211% | 5,197 |
| Net loans and leases to total assets | 59.7250% | 4,957 |
| Net loans and leases to deposits | 79.5837% | 3,529 |
| Net loans and leases to core deposits | 86.4083% | 3,594 |
| Total domestic deposits to total assets | 75.0468% | 6,792 |
| Equity capital to assets | 8.0631% | 6,747 |
| Core capital (leverage) ratio | 7.5891% | 6,776 |
| Tier 1 risk-based capital ratio | 11.3033% | 6,097 |
| Total risk-based capital ratio | 12.5546% | 6,093 |
| Memoranda: | ||
| Average total assets | $411,053,000 | 1,635 |
| Average earning assets | $376,144,250 | 1,623 |
| Average equity | $31,753,000 | 2,082 |
| Average total loans | $253,110,500 | 1,765 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7409% | 6,007 |
| Cost of funding earning assets | 1.4757% | 3,393 |
| Net interest margin | 3.2652% | 6,120 |
| Noninterest income to average assets | 0.8026% | 2,102 |
| Noninterest expense to average assets | 2.8748% | 4,163 |
| Loan and lease loss provision to assets | 0.6139% | 2,335 |
| Net operating income to assets | 0.2267% | 5,473 |
| Return on assets (ROA) | 0.4280% | 4,789 |
| Pretax return on assets | 0.5773% | 4,639 |
| Return on Equity (ROE) | 5.6195% | 3,984 |
| Retained earnings to average equity (ytd only) | 0.3793% | 5,612 |
| Net charge-offs to loans | 1.1089% | 1,708 |
| Credit loss provision to net charge-offs | 89.4737% | 4,440 |
| Earnings coverage of net charge-offs (x) | 1.3396% | 4,487 |
| Efficiency ratio | 75.7741% | 3,112 |
| Assets per employee ($millions) | 3.9608% | 3,842 |
| Cash dividends to net income (ytd only)* | 93.2508% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3086% | 4,862 |
| Loan loss allowance to noncurrent loans | 98.1183% | 2,806 |
| Noncurrent assets plus other real estate owned to assets | 2.3564% | 3,068 |
| Noncurrent loans to loans | 1.3337% | 4,723 |
| Net loans and leases to total assets | 60.7280% | 4,926 |
| Net loans and leases to deposits | 80.6069% | 3,500 |
| Net loans and leases to core deposits | 89.6620% | 3,323 |
| Total domestic deposits to total assets | 75.3385% | 6,805 |
| Equity capital to assets | 7.8290% | 6,900 |
| Core capital (leverage) ratio | 7.3991% | 6,921 |
| Tier 1 risk-based capital ratio | 10.8841% | 6,370 |
| Total risk-based capital ratio | 12.0507% | 6,430 |
| Memoranda: | ||
| Average total assets | $415,401,000 | 1,635 |
| Average earning assets | $380,560,000 | 1,624 |
| Average equity | $31,640,000 | 2,089 |
| Average total loans | $257,009,670 | 1,771 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7334% | 6,135 |
| Cost of funding earning assets | 1.5462% | 3,292 |
| Net interest margin | 3.1872% | 6,329 |
| Noninterest income to average assets | 0.8189% | 1,935 |
| Noninterest expense to average assets | 2.9099% | 4,020 |
| Loan and lease loss provision to assets | 0.6681% | 1,898 |
| Net operating income to assets | 0.1259% | 5,943 |
| Return on assets (ROA) | 0.4066% | 4,954 |
| Pretax return on assets | 0.5335% | 4,841 |
| Return on Equity (ROE) | 5.4112% | 4,151 |
| Retained earnings to average equity (ytd only) | -0.2540% | 5,888 |
| Net charge-offs to loans | 0.1569% | 3,984 |
| Credit loss provision to net charge-offs | 686.2745% | 647 |
| Earnings coverage of net charge-offs (x) | 8.5490% | 1,948 |
| Efficiency ratio | 77.7608% | 2,935 |
| Assets per employee ($millions) | 4.0405% | 3,777 |
| Cash dividends to net income (ytd only)* | 104.6948% | 545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5788% | 3,534 |
| Loan loss allowance to noncurrent loans | 121.5858% | 2,285 |
| Noncurrent assets plus other real estate owned to assets | 2.8286% | 2,566 |
| Noncurrent loans to loans | 1.2985% | 4,805 |
| Net loans and leases to total assets | 59.8300% | 5,144 |
| Net loans and leases to deposits | 77.9458% | 4,058 |
| Net loans and leases to core deposits | 87.2192% | 3,714 |
| Total domestic deposits to total assets | 76.7585% | 6,609 |
| Equity capital to assets | 7.4948% | 7,078 |
| Core capital (leverage) ratio | 7.3067% | 7,021 |
| Tier 1 risk-based capital ratio | 10.5104% | 6,621 |
| Total risk-based capital ratio | 11.7621% | 6,612 |
| Memoranda: | ||
| Average total assets | $419,121,500 | 1,661 |
| Average earning assets | $384,417,500 | 1,650 |
| Average equity | $31,490,500 | 2,111 |
| Average total loans | $259,999,000 | 1,799 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1694% | 5,790 |
| Cost of funding earning assets | 1.8154% | 3,910 |
| Net interest margin | 3.3540% | 5,548 |
| Noninterest income to average assets | 0.9011% | 1,934 |
| Noninterest expense to average assets | 3.0028% | 4,130 |
| Loan and lease loss provision to assets | 0.7653% | 2,817 |
| Net operating income to assets | 0.1834% | 4,952 |
| Return on assets (ROA) | 0.4626% | 3,998 |
| Pretax return on assets | 0.6232% | 3,835 |
| Return on Equity (ROE) | 6.1008% | 3,172 |
| Retained earnings to average equity (ytd only) | 0.9933% | 4,340 |
| Net charge-offs to loans | 0.6288% | 3,320 |
| Credit loss provision to net charge-offs | 181.8707% | 2,268 |
| Earnings coverage of net charge-offs (x) | 2.4030% | 3,931 |
| Efficiency ratio | 74.8093% | 3,743 |
| Assets per employee ($millions) | 3.9437% | 3,927 |
| Cash dividends to net income (ytd only)* | 83.7185% | 1,044 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2984% | 4,776 |
| Loan loss allowance to noncurrent loans | 43.9877% | 5,479 |
| Noncurrent assets plus other real estate owned to assets | 2.6278% | 2,678 |
| Noncurrent loans to loans | 2.9518% | 2,606 |
| Net loans and leases to total assets | 62.4636% | 4,901 |
| Net loans and leases to deposits | 82.0579% | 3,603 |
| Net loans and leases to core deposits | 104.0514% | 3,572 |
| Total domestic deposits to total assets | 76.1213% | 6,655 |
| Equity capital to assets | 7.5322% | 7,003 |
| Core capital (leverage) ratio | 7.2611% | 7,021 |
| Tier 1 risk-based capital ratio | 10.3456% | 6,544 |
| Total risk-based capital ratio | 11.5074% | 6,601 |
| Memoranda: | ||
| Average total assets | $411,613,000 | 1,677 |
| Average earning assets | $382,016,600 | 1,642 |
| Average equity | $31,209,000 | 2,150 |
| Average total loans | $275,435,000 | 1,745 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2518% | 5,673 |
| Cost of funding earning assets | 1.8405% | 4,197 |
| Net interest margin | 3.4113% | 5,213 |
| Noninterest income to average assets | 0.9096% | 1,940 |
| Noninterest expense to average assets | 3.0106% | 4,003 |
| Loan and lease loss provision to assets | 0.7154% | 2,589 |
| Net operating income to assets | 0.2639% | 4,936 |
| Return on assets (ROA) | 0.5044% | 4,055 |
| Pretax return on assets | 0.6764% | 3,939 |
| Return on Equity (ROE) | 6.6409% | 3,241 |
| Retained earnings to average equity (ytd only) | 1.1817% | 4,660 |
| Net charge-offs to loans | 0.4942% | 3,247 |
| Credit loss provision to net charge-offs | 213.3851% | 2,061 |
| Earnings coverage of net charge-offs (x) | 3.1950% | 3,640 |
| Efficiency ratio | 73.7572% | 3,904 |
| Assets per employee ($millions) | 3.9015% | 3,935 |
| Cash dividends to net income (ytd only)* | 82.2051% | 902 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1866% | 5,184 |
| Loan loss allowance to noncurrent loans | 50.6518% | 4,942 |
| Noncurrent assets plus other real estate owned to assets | 1.9168% | 3,473 |
| Noncurrent loans to loans | 2.3427% | 3,216 |
| Net loans and leases to total assets | 63.5524% | 4,959 |
| Net loans and leases to deposits | 83.1172% | 3,806 |
| Net loans and leases to core deposits | 106.5460% | 3,638 |
| Total domestic deposits to total assets | 76.4612% | 6,482 |
| Equity capital to assets | 7.5166% | 7,282 |
| Core capital (leverage) ratio | 7.3454% | 7,139 |
| Tier 1 risk-based capital ratio | 10.2149% | 6,766 |
| Total risk-based capital ratio | 11.2801% | 6,899 |
| Memoranda: | ||
| Average total assets | $410,007,750 | 1,700 |
| Average earning assets | $381,267,250 | 1,667 |
| Average equity | $31,139,500 | 2,176 |
| Average total loans | $278,155,250 | 1,756 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3575% | 5,367 |
| Cost of funding earning assets | 1.8651% | 4,442 |
| Net interest margin | 3.4924% | 4,835 |
| Noninterest income to average assets | 0.9325% | 1,833 |
| Noninterest expense to average assets | 3.0437% | 3,898 |
| Loan and lease loss provision to assets | 0.6625% | 2,446 |
| Net operating income to assets | 0.3463% | 4,692 |
| Return on assets (ROA) | 0.5580% | 3,959 |
| Pretax return on assets | 0.7543% | 3,819 |
| Return on Equity (ROE) | 7.3214% | 3,054 |
| Retained earnings to average equity (ytd only) | 1.5712% | 4,456 |
| Net charge-offs to loans | 0.4009% | 3,194 |
| Credit loss provision to net charge-offs | 239.3617% | 1,947 |
| Earnings coverage of net charge-offs (x) | 4.0851% | 3,223 |
| Efficiency ratio | 72.9132% | 4,227 |
| Assets per employee ($millions) | 3.7710% | 4,176 |
| Cash dividends to net income (ytd only)* | 78.5400% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0052% | 6,197 |
| Loan loss allowance to noncurrent loans | 230.6996% | 1,327 |
| Noncurrent assets plus other real estate owned to assets | 0.3418% | 6,599 |
| Noncurrent loans to loans | 0.4357% | 6,429 |
| Net loans and leases to total assets | 67.7791% | 4,187 |
| Net loans and leases to deposits | 89.9868% | 2,835 |
| Net loans and leases to core deposits | 114.3909% | 2,870 |
| Total domestic deposits to total assets | 75.3212% | 6,692 |
| Equity capital to assets | 7.6776% | 7,105 |
| Core capital (leverage) ratio | 7.4881% | 7,036 |
| Tier 1 risk-based capital ratio | 10.1687% | 6,750 |
| Total risk-based capital ratio | 11.1026% | 7,014 |
| Memoranda: | ||
| Average total assets | $407,523,670 | 1,725 |
| Average earning assets | $378,310,670 | 1,712 |
| Average equity | $31,059,670 | 2,179 |
| Average total loans | $281,376,330 | 1,761 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4470% | 5,188 |
| Cost of funding earning assets | 1.8771% | 4,754 |
| Net interest margin | 3.5699% | 4,454 |
| Noninterest income to average assets | 0.8949% | 1,873 |
| Noninterest expense to average assets | 2.9839% | 3,843 |
| Loan and lease loss provision to assets | 0.8831% | 1,486 |
| Net operating income to assets | 0.2397% | 5,532 |
| Return on assets (ROA) | 0.6515% | 3,978 |
| Pretax return on assets | 0.9067% | 3,691 |
| Return on Equity (ROE) | 8.5801% | 2,897 |
| Retained earnings to average equity (ytd only) | 0.3489% | 5,518 |
| Net charge-offs to loans | 0.1486% | 3,771 |
| Credit loss provision to net charge-offs | 857.1429% | 708 |
| Earnings coverage of net charge-offs (x) | 11.8190% | 1,847 |
| Efficiency ratio | 71.0182% | 4,367 |
| Assets per employee ($millions) | 3.8136% | 4,057 |
| Cash dividends to net income (ytd only)* | 95.9337% | 819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9941% | 6,229 |
| Loan loss allowance to noncurrent loans | 246.0192% | 1,361 |
| Noncurrent assets plus other real estate owned to assets | 0.2990% | 6,622 |
| Noncurrent loans to loans | 0.4041% | 6,405 |
| Net loans and leases to total assets | 68.6318% | 3,993 |
| Net loans and leases to deposits | 90.6770% | 2,829 |
| Net loans and leases to core deposits | 121.0457% | 2,330 |
| Total domestic deposits to total assets | 75.6883% | 6,577 |
| Equity capital to assets | 7.6257% | 7,243 |
| Core capital (leverage) ratio | 7.4151% | 7,260 |
| Tier 1 risk-based capital ratio | 9.9107% | 7,024 |
| Total risk-based capital ratio | 10.8304% | 7,289 |
| Memoranda: | ||
| Average total assets | $407,653,500 | 1,731 |
| Average earning assets | $377,600,000 | 1,717 |
| Average equity | $30,955,500 | 2,191 |
| Average total loans | $282,643,000 | 1,762 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0279% | 5,419 |
| Cost of funding earning assets | 2.5304% | 4,045 |
| Net interest margin | 3.4976% | 5,301 |
| Noninterest income to average assets | 0.8723% | 2,093 |
| Noninterest expense to average assets | 2.9809% | 4,153 |
| Loan and lease loss provision to assets | 0.3196% | 3,816 |
| Net operating income to assets | 0.5637% | 4,465 |
| Return on assets (ROA) | 0.5637% | 4,318 |
| Pretax return on assets | 0.7871% | 4,119 |
| Return on Equity (ROE) | 7.3485% | 3,345 |
| Retained earnings to average equity (ytd only) | 1.5264% | 4,309 |
| Net charge-offs to loans | 0.3064% | 3,352 |
| Credit loss provision to net charge-offs | 154.5117% | 3,379 |
| Earnings coverage of net charge-offs (x) | 5.3511% | 3,676 |
| Efficiency ratio | 72.9251% | 3,764 |
| Assets per employee ($millions) | 3.8786% | 3,788 |
| Cash dividends to net income (ytd only)* | 79.2290% | 1,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7142% | 7,382 |
| Loan loss allowance to noncurrent loans | 172.6884% | 2,199 |
| Noncurrent assets plus other real estate owned to assets | 0.3266% | 6,303 |
| Noncurrent loans to loans | 0.4136% | 6,103 |
| Net loans and leases to total assets | 68.8520% | 4,289 |
| Net loans and leases to deposits | 91.0263% | 3,288 |
| Net loans and leases to core deposits | 127.3143% | 2,055 |
| Total domestic deposits to total assets | 75.6397% | 6,315 |
| Equity capital to assets | 7.5614% | 7,334 |
| Core capital (leverage) ratio | 7.5457% | 7,146 |
| Tier 1 risk-based capital ratio | 10.1679% | 6,556 |
| Total risk-based capital ratio | 10.8452% | 7,102 |
| Memoranda: | ||
| Average total assets | $391,159,600 | 1,732 |
| Average earning assets | $359,591,800 | 1,727 |
| Average equity | $30,006,200 | 2,264 |
| Average total loans | $264,021,600 | 1,808 |