Home > Capstone Bank > Performance and Condition Ratios
Capstone Bank, Performance and Condition Ratios
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4788% | 1,705 |
| Cost of funding earning assets | 0.6078% | 1,478 |
| Net interest margin | 3.8710% | 2,138 |
| Noninterest income to average assets | 0.5439% | 2,755 |
| Noninterest expense to average assets | 2.5851% | 3,455 |
| Loan and lease loss provision to assets | 0.2262% | 814 |
| Net operating income to assets | 0.8709% | 3,173 |
| Return on assets (ROA) | 0.8709% | 3,218 |
| Pretax return on assets | 1.3004% | 2,492 |
| Return on Equity (ROE) | 7.6840% | 3,302 |
| Retained earnings to average equity (ytd only) | 7.6840% | 1,353 |
| Net charge-offs to loans | 0.2530% | 860 |
| Credit loss provision to net charge-offs | 109.5299% | 2,147 |
| Earnings coverage of net charge-offs (x) | 7.3926% | 2,876 |
| Efficiency ratio | 62.1698% | 3,854 |
| Assets per employee ($millions) | 5.0559% | 2,386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9960% | 4,088 |
| Loan loss allowance to noncurrent loans | 166.6403% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.5289% | 2,944 |
| Noncurrent loans to loans | 0.5977% | 2,920 |
| Net loans and leases to total assets | 82.1627% | 659 |
| Net loans and leases to deposits | 95.4702% | 1,157 |
| Net loans and leases to core deposits | 122.6623% | 496 |
| Total domestic deposits to total assets | 86.0611% | 2,285 |
| Equity capital to assets | 11.6540% | 2,228 |
| Core capital (leverage) ratio | 10.5149% | 2,973 |
| Tier 1 risk-based capital ratio | 12.6975% | 4,205 |
| Total risk-based capital ratio | 13.6921% | 4,264 |
| Memoranda: | ||
| Average total assets | $508,135,000 | 1,392 |
| Average earning assets | $468,325,500 | 1,397 |
| Average equity | $57,589,750 | 1,376 |
| Average total loans | $414,760,250 | 1,210 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4031% | 1,806 |
| Cost of funding earning assets | 0.5888% | 1,520 |
| Net interest margin | 3.8143% | 2,235 |
| Noninterest income to average assets | 0.5338% | 2,804 |
| Noninterest expense to average assets | 2.5981% | 3,437 |
| Loan and lease loss provision to assets | 0.2267% | 764 |
| Net operating income to assets | 0.8129% | 3,345 |
| Return on assets (ROA) | 0.8129% | 3,396 |
| Pretax return on assets | 1.2206% | 2,695 |
| Return on Equity (ROE) | 7.2415% | 3,429 |
| Retained earnings to average equity (ytd only) | 7.2415% | 1,477 |
| Net charge-offs to loans | 0.0500% | 2,214 |
| Credit loss provision to net charge-offs | 558.2524% | 600 |
| Earnings coverage of net charge-offs (x) | 35.6408% | 1,350 |
| Efficiency ratio | 63.5123% | 3,758 |
| Assets per employee ($millions) | 5.0383% | 2,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1143% | 3,501 |
| Loan loss allowance to noncurrent loans | 177.3041% | 2,474 |
| Noncurrent assets plus other real estate owned to assets | 0.5723% | 2,848 |
| Noncurrent loans to loans | 0.6284% | 2,845 |
| Net loans and leases to total assets | 78.1958% | 1,219 |
| Net loans and leases to deposits | 89.5013% | 1,800 |
| Net loans and leases to core deposits | 115.7813% | 722 |
| Total domestic deposits to total assets | 87.3684% | 1,777 |
| Equity capital to assets | 11.1276% | 2,674 |
| Core capital (leverage) ratio | 10.3586% | 3,060 |
| Tier 1 risk-based capital ratio | 12.3825% | 4,364 |
| Total risk-based capital ratio | 13.4692% | 4,361 |
| Memoranda: | ||
| Average total assets | $507,296,670 | 1,397 |
| Average earning assets | $467,034,330 | 1,410 |
| Average equity | $56,949,330 | 1,390 |
| Average total loans | $411,752,000 | 1,217 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3583% | 1,793 |
| Cost of funding earning assets | 0.5744% | 1,545 |
| Net interest margin | 3.7839% | 2,169 |
| Noninterest income to average assets | 0.4778% | 3,137 |
| Noninterest expense to average assets | 2.6111% | 3,455 |
| Loan and lease loss provision to assets | 0.2309% | 672 |
| Net operating income to assets | 0.7512% | 3,472 |
| Return on assets (ROA) | 0.7512% | 3,524 |
| Pretax return on assets | 1.1159% | 2,918 |
| Return on Equity (ROE) | 6.6607% | 3,575 |
| Retained earnings to average equity (ytd only) | 6.6607% | 1,999 |
| Net charge-offs to loans | 0.0478% | 1,897 |
| Credit loss provision to net charge-offs | 587.7551% | 526 |
| Earnings coverage of net charge-offs (x) | 34.2857% | 1,135 |
| Efficiency ratio | 65.2218% | 3,630 |
| Assets per employee ($millions) | 4.8647% | 2,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0644% | 3,907 |
| Loan loss allowance to noncurrent loans | 168.7452% | 2,572 |
| Noncurrent assets plus other real estate owned to assets | 0.5593% | 2,996 |
| Noncurrent loans to loans | 0.6308% | 2,937 |
| Net loans and leases to total assets | 79.7766% | 859 |
| Net loans and leases to deposits | 91.4358% | 1,385 |
| Net loans and leases to core deposits | 113.0183% | 723 |
| Total domestic deposits to total assets | 87.2488% | 2,091 |
| Equity capital to assets | 11.1331% | 2,499 |
| Core capital (leverage) ratio | 10.5181% | 2,885 |
| Tier 1 risk-based capital ratio | 12.3022% | 4,504 |
| Total risk-based capital ratio | 13.3503% | 4,548 |
| Memoranda: | ||
| Average total assets | $498,951,500 | 1,426 |
| Average earning assets | $458,893,000 | 1,434 |
| Average equity | $56,270,500 | 1,394 |
| Average total loans | $410,451,500 | 1,220 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3390% | 2,017 |
| Cost of funding earning assets | 0.5338% | 1,837 |
| Net interest margin | 3.8051% | 2,304 |
| Noninterest income to average assets | 0.5785% | 2,768 |
| Noninterest expense to average assets | 2.6783% | 3,421 |
| Loan and lease loss provision to assets | 0.2231% | 979 |
| Net operating income to assets | 0.7827% | 3,389 |
| Return on assets (ROA) | 0.7908% | 3,451 |
| Pretax return on assets | 1.1746% | 2,782 |
| Return on Equity (ROE) | 6.7847% | 3,594 |
| Retained earnings to average equity (ytd only) | 5.6961% | 1,887 |
| Net charge-offs to loans | 0.2845% | 967 |
| Credit loss provision to net charge-offs | 94.2549% | 2,720 |
| Earnings coverage of net charge-offs (x) | 5.8528% | 3,270 |
| Efficiency ratio | 65.1362% | 3,740 |
| Assets per employee ($millions) | 4.9203% | 2,487 |
| Cash dividends to net income (ytd only)* | 16.0441% | 3,862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0134% | 4,232 |
| Loan loss allowance to noncurrent loans | 154.8954% | 2,752 |
| Noncurrent assets plus other real estate owned to assets | 0.5995% | 2,932 |
| Noncurrent loans to loans | 0.6542% | 2,893 |
| Net loans and leases to total assets | 83.1189% | 467 |
| Net loans and leases to deposits | 97.2159% | 894 |
| Net loans and leases to core deposits | 118.8431% | 517 |
| Total domestic deposits to total assets | 85.4993% | 2,833 |
| Equity capital to assets | 11.4294% | 2,224 |
| Core capital (leverage) ratio | 10.7050% | 2,651 |
| Tier 1 risk-based capital ratio | 12.1900% | 4,585 |
| Total risk-based capital ratio | 13.1889% | 4,655 |
| Memoranda: | ||
| Average total assets | $470,554,200 | 1,451 |
| Average earning assets | $431,024,400 | 1,470 |
| Average equity | $54,844,200 | 1,401 |
| Average total loans | $391,628,200 | 1,217 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3441% | 2,019 |
| Cost of funding earning assets | 0.5269% | 1,894 |
| Net interest margin | 3.8172% | 2,269 |
| Noninterest income to average assets | 0.5874% | 2,725 |
| Noninterest expense to average assets | 2.7291% | 3,258 |
| Loan and lease loss provision to assets | 0.2244% | 908 |
| Net operating income to assets | 0.7619% | 3,552 |
| Return on assets (ROA) | 0.7730% | 3,638 |
| Pretax return on assets | 1.1420% | 3,075 |
| Return on Equity (ROE) | 6.5986% | 3,775 |
| Retained earnings to average equity (ytd only) | 6.5986% | 1,847 |
| Net charge-offs to loans | 0.3257% | 710 |
| Credit loss provision to net charge-offs | 82.9810% | 2,627 |
| Earnings coverage of net charge-offs (x) | 4.9926% | 3,190 |
| Efficiency ratio | 66.1317% | 3,568 |
| Assets per employee ($millions) | 4.6986% | 2,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0186% | 4,304 |
| Loan loss allowance to noncurrent loans | 153.5078% | 2,740 |
| Noncurrent assets plus other real estate owned to assets | 0.7059% | 2,797 |
| Noncurrent loans to loans | 0.6635% | 3,042 |
| Net loans and leases to total assets | 82.8903% | 522 |
| Net loans and leases to deposits | 98.7018% | 798 |
| Net loans and leases to core deposits | 117.7767% | 582 |
| Total domestic deposits to total assets | 83.9806% | 3,215 |
| Equity capital to assets | 11.8497% | 2,222 |
| Core capital (leverage) ratio | 10.7682% | 2,713 |
| Tier 1 risk-based capital ratio | 12.4686% | 4,500 |
| Total risk-based capital ratio | 13.4748% | 4,556 |
| Memoranda: | ||
| Average total assets | $466,414,500 | 1,465 |
| Average earning assets | $426,654,750 | 1,480 |
| Average equity | $54,636,750 | 1,415 |
| Average total loans | $387,278,250 | 1,228 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3304% | 2,049 |
| Cost of funding earning assets | 0.5206% | 1,937 |
| Net interest margin | 3.8099% | 2,273 |
| Noninterest income to average assets | 0.5275% | 3,022 |
| Noninterest expense to average assets | 2.7445% | 3,220 |
| Loan and lease loss provision to assets | 0.2243% | 922 |
| Net operating income to assets | 0.7065% | 3,758 |
| Return on assets (ROA) | 0.7065% | 3,907 |
| Pretax return on assets | 1.0438% | 3,421 |
| Return on Equity (ROE) | 6.0550% | 4,021 |
| Retained earnings to average equity (ytd only) | 6.0550% | 2,088 |
| Net charge-offs to loans | 0.1928% | 1,189 |
| Credit loss provision to net charge-offs | 140.5405% | 1,677 |
| Earnings coverage of net charge-offs (x) | 7.9459% | 2,566 |
| Efficiency ratio | 67.6126% | 3,421 |
| Assets per employee ($millions) | 4.7948% | 2,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1119% | 3,882 |
| Loan loss allowance to noncurrent loans | 86.6945% | 3,976 |
| Noncurrent assets plus other real estate owned to assets | 1.2816% | 1,588 |
| Noncurrent loans to loans | 1.2825% | 1,767 |
| Net loans and leases to total assets | 82.5043% | 573 |
| Net loans and leases to deposits | 95.7159% | 1,107 |
| Net loans and leases to core deposits | 115.4351% | 655 |
| Total domestic deposits to total assets | 86.1971% | 2,330 |
| Equity capital to assets | 11.7269% | 2,333 |
| Core capital (leverage) ratio | 10.5872% | 2,864 |
| Tier 1 risk-based capital ratio | 12.2889% | 4,653 |
| Total risk-based capital ratio | 13.3804% | 4,666 |
| Memoranda: | ||
| Average total assets | $463,698,670 | 1,480 |
| Average earning assets | $424,159,670 | 1,495 |
| Average equity | $54,104,330 | 1,432 |
| Average total loans | $383,899,670 | 1,237 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3264% | 2,041 |
| Cost of funding earning assets | 0.5216% | 1,928 |
| Net interest margin | 3.8049% | 2,267 |
| Noninterest income to average assets | 0.4759% | 3,302 |
| Noninterest expense to average assets | 2.7833% | 3,135 |
| Loan and lease loss provision to assets | 0.2214% | 861 |
| Net operating income to assets | 0.6426% | 4,013 |
| Return on assets (ROA) | 0.6426% | 4,132 |
| Pretax return on assets | 0.9492% | 3,664 |
| Return on Equity (ROE) | 5.5219% | 4,211 |
| Retained earnings to average equity (ytd only) | 5.5219% | 2,628 |
| Net charge-offs to loans | 0.3444% | 647 |
| Credit loss provision to net charge-offs | 77.9817% | 1,851 |
| Earnings coverage of net charge-offs (x) | 4.1223% | 2,464 |
| Efficiency ratio | 69.5805% | 3,201 |
| Assets per employee ($millions) | 4.7874% | 2,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0825% | 4,148 |
| Loan loss allowance to noncurrent loans | 78.2930% | 4,124 |
| Noncurrent assets plus other real estate owned to assets | 1.5086% | 1,350 |
| Noncurrent loans to loans | 1.3827% | 1,723 |
| Net loans and leases to total assets | 80.5735% | 734 |
| Net loans and leases to deposits | 93.2966% | 1,205 |
| Net loans and leases to core deposits | 113.5075% | 690 |
| Total domestic deposits to total assets | 86.3627% | 2,515 |
| Equity capital to assets | 11.5293% | 2,416 |
| Core capital (leverage) ratio | 10.5553% | 2,904 |
| Tier 1 risk-based capital ratio | 12.3752% | 4,669 |
| Total risk-based capital ratio | 13.4382% | 4,691 |
| Memoranda: | ||
| Average total assets | $460,605,000 | 1,490 |
| Average earning assets | $421,040,000 | 1,506 |
| Average equity | $53,605,000 | 1,437 |
| Average total loans | $379,832,000 | 1,243 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4523% | 1,736 |
| Cost of funding earning assets | 0.5187% | 2,004 |
| Net interest margin | 3.9336% | 1,920 |
| Noninterest income to average assets | 0.5721% | 2,888 |
| Noninterest expense to average assets | 2.6940% | 3,596 |
| Loan and lease loss provision to assets | 0.2269% | 890 |
| Net operating income to assets | 0.8361% | 3,176 |
| Return on assets (ROA) | 0.8364% | 3,246 |
| Pretax return on assets | 1.2358% | 2,521 |
| Return on Equity (ROE) | 7.1081% | 3,456 |
| Retained earnings to average equity (ytd only) | 5.9588% | 1,815 |
| Net charge-offs to loans | 0.5624% | 435 |
| Credit loss provision to net charge-offs | 48.4966% | 3,427 |
| Earnings coverage of net charge-offs (x) | 3.1251% | 3,769 |
| Efficiency ratio | 64.0151% | 4,260 |
| Assets per employee ($millions) | 4.7088% | 2,719 |
| Cash dividends to net income (ytd only)* | 16.1693% | 3,906 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1149% | 3,963 |
| Loan loss allowance to noncurrent loans | 147.4256% | 2,849 |
| Noncurrent assets plus other real estate owned to assets | 1.0402% | 2,108 |
| Noncurrent loans to loans | 0.7563% | 2,913 |
| Net loans and leases to total assets | 82.5792% | 536 |
| Net loans and leases to deposits | 95.4966% | 1,067 |
| Net loans and leases to core deposits | 113.0963% | 722 |
| Total domestic deposits to total assets | 86.4735% | 2,393 |
| Equity capital to assets | 11.7508% | 2,150 |
| Core capital (leverage) ratio | 10.6613% | 2,758 |
| Tier 1 risk-based capital ratio | 12.3829% | 4,711 |
| Total risk-based capital ratio | 13.4802% | 4,711 |
| Memoranda: | ||
| Average total assets | $440,690,000 | 1,512 |
| Average earning assets | $401,545,400 | 1,523 |
| Average equity | $51,856,000 | 1,431 |
| Average total loans | $366,624,200 | 1,241 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4685% | 1,697 |
| Cost of funding earning assets | 0.5209% | 2,036 |
| Net interest margin | 3.9476% | 1,881 |
| Noninterest income to average assets | 0.5859% | 2,817 |
| Noninterest expense to average assets | 2.7098% | 3,526 |
| Loan and lease loss provision to assets | 0.2284% | 809 |
| Net operating income to assets | 0.8272% | 3,296 |
| Return on assets (ROA) | 0.8277% | 3,377 |
| Pretax return on assets | 1.2439% | 2,633 |
| Return on Equity (ROE) | 7.0312% | 3,597 |
| Retained earnings to average equity (ytd only) | 7.0312% | 1,670 |
| Net charge-offs to loans | 0.1304% | 1,833 |
| Credit loss provision to net charge-offs | 210.6742% | 1,288 |
| Earnings coverage of net charge-offs (x) | 13.5760% | 2,318 |
| Efficiency ratio | 64.0038% | 4,245 |
| Assets per employee ($millions) | 4.6353% | 2,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5187% | 2,074 |
| Loan loss allowance to noncurrent loans | 97.1032% | 3,742 |
| Noncurrent assets plus other real estate owned to assets | 1.3778% | 1,676 |
| Noncurrent loans to loans | 1.5641% | 1,595 |
| Net loans and leases to total assets | 82.5509% | 521 |
| Net loans and leases to deposits | 96.5627% | 951 |
| Net loans and leases to core deposits | 111.1182% | 808 |
| Total domestic deposits to total assets | 85.4894% | 2,787 |
| Equity capital to assets | 11.8952% | 2,182 |
| Core capital (leverage) ratio | 10.7988% | 2,716 |
| Tier 1 risk-based capital ratio | 12.4329% | 4,806 |
| Total risk-based capital ratio | 13.6860% | 4,709 |
| Memoranda: | ||
| Average total assets | $437,850,750 | 1,535 |
| Average earning assets | $398,815,250 | 1,548 |
| Average equity | $51,540,250 | 1,443 |
| Average total loans | $363,903,750 | 1,253 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5123% | 1,491 |
| Cost of funding earning assets | 0.5230% | 2,043 |
| Net interest margin | 3.9893% | 1,667 |
| Noninterest income to average assets | 0.5686% | 2,913 |
| Noninterest expense to average assets | 2.7143% | 3,546 |
| Loan and lease loss provision to assets | 0.2296% | 809 |
| Net operating income to assets | 0.8368% | 3,184 |
| Return on assets (ROA) | 0.8368% | 3,302 |
| Pretax return on assets | 1.2575% | 2,517 |
| Return on Equity (ROE) | 7.1344% | 3,538 |
| Retained earnings to average equity (ytd only) | 7.1344% | 1,646 |
| Net charge-offs to loans | 0.0072% | 3,649 |
| Credit loss provision to net charge-offs | 3,846.1538% | 111 |
| Earnings coverage of net charge-offs (x) | 249.0769% | 277 |
| Efficiency ratio | 63.8063% | 4,389 |
| Assets per employee ($millions) | 4.5820% | 2,854 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5794% | 1,971 |
| Loan loss allowance to noncurrent loans | 133.1329% | 3,053 |
| Noncurrent assets plus other real estate owned to assets | 1.0508% | 2,404 |
| Noncurrent loans to loans | 1.1863% | 2,281 |
| Net loans and leases to total assets | 81.5716% | 599 |
| Net loans and leases to deposits | 94.5152% | 1,102 |
| Net loans and leases to core deposits | 110.4368% | 814 |
| Total domestic deposits to total assets | 86.3052% | 2,526 |
| Equity capital to assets | 11.7892% | 2,170 |
| Core capital (leverage) ratio | 10.7070% | 2,725 |
| Tier 1 risk-based capital ratio | 12.5006% | 4,805 |
| Total risk-based capital ratio | 13.7543% | 4,720 |
| Memoranda: | ||
| Average total assets | $435,472,330 | 1,551 |
| Average earning assets | $396,562,330 | 1,563 |
| Average equity | $51,076,330 | 1,463 |
| Average total loans | $360,870,000 | 1,267 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5594% | 1,309 |
| Cost of funding earning assets | 0.5235% | 2,074 |
| Net interest margin | 4.0359% | 1,450 |
| Noninterest income to average assets | 0.5336% | 3,063 |
| Noninterest expense to average assets | 2.7475% | 3,423 |
| Loan and lease loss provision to assets | 0.2308% | 751 |
| Net operating income to assets | 0.8217% | 3,147 |
| Return on assets (ROA) | 0.8217% | 3,276 |
| Pretax return on assets | 1.2352% | 2,528 |
| Return on Equity (ROE) | 7.0236% | 3,493 |
| Retained earnings to average equity (ytd only) | 7.0236% | 2,003 |
| Net charge-offs to loans | 0.0167% | 2,834 |
| Credit loss provision to net charge-offs | 1,666.6667% | 230 |
| Earnings coverage of net charge-offs (x) | 105.8667% | 472 |
| Efficiency ratio | 64.3953% | 4,419 |
| Assets per employee ($millions) | 4.6305% | 2,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5301% | 2,326 |
| Loan loss allowance to noncurrent loans | 126.2554% | 3,150 |
| Noncurrent assets plus other real estate owned to assets | 1.0702% | 2,473 |
| Noncurrent loans to loans | 1.2119% | 2,345 |
| Net loans and leases to total assets | 81.4093% | 526 |
| Net loans and leases to deposits | 94.4225% | 940 |
| Net loans and leases to core deposits | 110.6460% | 717 |
| Total domestic deposits to total assets | 86.2181% | 2,820 |
| Equity capital to assets | 11.7632% | 2,228 |
| Core capital (leverage) ratio | 10.5224% | 2,931 |
| Tier 1 risk-based capital ratio | 12.3532% | 5,010 |
| Total risk-based capital ratio | 13.6063% | 4,917 |
| Memoranda: | ||
| Average total assets | $433,274,000 | 1,566 |
| Average earning assets | $395,052,500 | 1,581 |
| Average equity | $50,686,000 | 1,482 |
| Average total loans | $359,022,000 | 1,270 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7268% | 1,242 |
| Cost of funding earning assets | 0.5218% | 2,474 |
| Net interest margin | 4.2049% | 1,284 |
| Noninterest income to average assets | 0.5940% | 2,891 |
| Noninterest expense to average assets | 2.8525% | 3,293 |
| Loan and lease loss provision to assets | 0.2325% | 1,042 |
| Net operating income to assets | 0.8683% | 3,031 |
| Return on assets (ROA) | 0.8683% | 3,123 |
| Pretax return on assets | 1.3004% | 2,239 |
| Return on Equity (ROE) | 7.5107% | 3,368 |
| Retained earnings to average equity (ytd only) | 6.4566% | 1,671 |
| Net charge-offs to loans | 0.0610% | 3,626 |
| Credit loss provision to net charge-offs | 466.5072% | 562 |
| Earnings coverage of net charge-offs (x) | 30.7560% | 1,311 |
| Efficiency ratio | 64.2469% | 4,555 |
| Assets per employee ($millions) | 4.4008% | 3,188 |
| Cash dividends to net income (ytd only)* | 14.0346% | 4,009 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4716% | 2,600 |
| Loan loss allowance to noncurrent loans | 123.3848% | 3,243 |
| Noncurrent assets plus other real estate owned to assets | 1.0290% | 2,686 |
| Noncurrent loans to loans | 1.1927% | 2,458 |
| Net loans and leases to total assets | 81.8304% | 539 |
| Net loans and leases to deposits | 94.8669% | 1,006 |
| Net loans and leases to core deposits | 108.5460% | 854 |
| Total domestic deposits to total assets | 86.2582% | 2,693 |
| Equity capital to assets | 11.6330% | 2,316 |
| Core capital (leverage) ratio | 10.3027% | 3,167 |
| Tier 1 risk-based capital ratio | 12.1425% | 5,269 |
| Total risk-based capital ratio | 13.3951% | 5,173 |
| Memoranda: | ||
| Average total assets | $419,345,800 | 1,582 |
| Average earning assets | $378,102,200 | 1,602 |
| Average equity | $48,477,200 | 1,488 |
| Average total loans | $342,848,800 | 1,280 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7508% | 1,188 |
| Cost of funding earning assets | 0.5125% | 2,630 |
| Net interest margin | 4.2383% | 1,186 |
| Noninterest income to average assets | 0.6046% | 2,837 |
| Noninterest expense to average assets | 2.8958% | 3,135 |
| Loan and lease loss provision to assets | 0.2882% | 697 |
| Net operating income to assets | 0.8159% | 3,360 |
| Return on assets (ROA) | 0.8159% | 3,452 |
| Pretax return on assets | 1.2287% | 2,660 |
| Return on Equity (ROE) | 7.0697% | 3,677 |
| Retained earnings to average equity (ytd only) | 7.0697% | 1,783 |
| Net charge-offs to loans | 0.0763% | 3,109 |
| Credit loss provision to net charge-offs | 463.9175% | 613 |
| Earnings coverage of net charge-offs (x) | 24.4175% | 1,546 |
| Efficiency ratio | 64.8258% | 4,404 |
| Assets per employee ($millions) | 4.2594% | 3,363 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4983% | 2,718 |
| Loan loss allowance to noncurrent loans | 68.4805% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 1.8801% | 1,562 |
| Noncurrent loans to loans | 2.1880% | 1,395 |
| Net loans and leases to total assets | 80.4114% | 674 |
| Net loans and leases to deposits | 93.2342% | 1,101 |
| Net loans and leases to core deposits | 105.1790% | 1,009 |
| Total domestic deposits to total assets | 86.2467% | 2,733 |
| Equity capital to assets | 11.6110% | 2,385 |
| Core capital (leverage) ratio | 10.3958% | 3,164 |
| Tier 1 risk-based capital ratio | 12.0169% | 5,472 |
| Total risk-based capital ratio | 13.2694% | 5,389 |
| Memoranda: | ||
| Average total assets | $416,361,750 | 1,602 |
| Average earning assets | $374,103,750 | 1,629 |
| Average equity | $48,053,750 | 1,502 |
| Average total loans | $339,013,250 | 1,295 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7999% | 1,066 |
| Cost of funding earning assets | 0.5014% | 2,820 |
| Net interest margin | 4.2985% | 1,028 |
| Noninterest income to average assets | 0.5901% | 2,865 |
| Noninterest expense to average assets | 2.9310% | 3,062 |
| Loan and lease loss provision to assets | 0.2904% | 681 |
| Net operating income to assets | 0.8089% | 3,280 |
| Return on assets (ROA) | 0.8089% | 3,386 |
| Pretax return on assets | 1.2198% | 2,575 |
| Return on Equity (ROE) | 7.0230% | 3,613 |
| Retained earnings to average equity (ytd only) | 7.0230% | 1,763 |
| Net charge-offs to loans | 0.0280% | 3,632 |
| Credit loss provision to net charge-offs | 1,276.5957% | 274 |
| Earnings coverage of net charge-offs (x) | 66.3830% | 754 |
| Efficiency ratio | 65.1989% | 4,484 |
| Assets per employee ($millions) | 4.1612% | 3,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5014% | 2,891 |
| Loan loss allowance to noncurrent loans | 131.3084% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 1.0117% | 3,041 |
| Noncurrent loans to loans | 1.1434% | 2,943 |
| Net loans and leases to total assets | 78.9528% | 801 |
| Net loans and leases to deposits | 91.5422% | 1,210 |
| Net loans and leases to core deposits | 104.4924% | 986 |
| Total domestic deposits to total assets | 86.2474% | 2,899 |
| Equity capital to assets | 11.5720% | 2,354 |
| Core capital (leverage) ratio | 10.2690% | 3,243 |
| Tier 1 risk-based capital ratio | 12.1277% | 5,469 |
| Total risk-based capital ratio | 13.3803% | 5,387 |
| Memoranda: | ||
| Average total assets | $413,168,330 | 1,613 |
| Average earning assets | $370,171,670 | 1,638 |
| Average equity | $47,586,330 | 1,509 |
| Average total loans | $336,112,330 | 1,302 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8553% | 936 |
| Cost of funding earning assets | 0.4953% | 2,955 |
| Net interest margin | 4.3601% | 876 |
| Noninterest income to average assets | 0.5801% | 2,859 |
| Noninterest expense to average assets | 2.9618% | 3,012 |
| Loan and lease loss provision to assets | 0.2930% | 666 |
| Net operating income to assets | 0.8086% | 3,109 |
| Return on assets (ROA) | 0.8086% | 3,185 |
| Pretax return on assets | 1.2197% | 2,392 |
| Return on Equity (ROE) | 7.0375% | 3,460 |
| Retained earnings to average equity (ytd only) | 7.0375% | 2,031 |
| Net charge-offs to loans | 0.0048% | 3,570 |
| Credit loss provision to net charge-offs | 7,500.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 387.2500% | 121 |
| Efficiency ratio | 65.3863% | 4,626 |
| Assets per employee ($millions) | 4.1119% | 3,701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4173% | 3,513 |
| Loan loss allowance to noncurrent loans | 122.0076% | 3,117 |
| Noncurrent assets plus other real estate owned to assets | 1.0394% | 3,173 |
| Noncurrent loans to loans | 1.1617% | 3,108 |
| Net loans and leases to total assets | 81.2127% | 432 |
| Net loans and leases to deposits | 94.4069% | 753 |
| Net loans and leases to core deposits | 107.6574% | 687 |
| Total domestic deposits to total assets | 86.0241% | 3,354 |
| Equity capital to assets | 11.5648% | 2,190 |
| Core capital (leverage) ratio | 10.2243% | 3,256 |
| Tier 1 risk-based capital ratio | 11.8188% | 5,746 |
| Total risk-based capital ratio | 13.0704% | 5,687 |
| Memoranda: | ||
| Average total assets | $409,611,000 | 1,636 |
| Average earning assets | $365,865,000 | 1,665 |
| Average equity | $47,062,000 | 1,517 |
| Average total loans | $335,727,000 | 1,308 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0311% | 868 |
| Cost of funding earning assets | 0.5481% | 3,133 |
| Net interest margin | 4.4829% | 761 |
| Noninterest income to average assets | 0.7026% | 2,527 |
| Noninterest expense to average assets | 3.0294% | 2,968 |
| Loan and lease loss provision to assets | 0.3186% | 1,036 |
| Net operating income to assets | 0.9134% | 2,714 |
| Return on assets (ROA) | 0.9134% | 2,803 |
| Pretax return on assets | 1.3579% | 1,939 |
| Return on Equity (ROE) | 7.9693% | 3,041 |
| Retained earnings to average equity (ytd only) | 4.8451% | 2,703 |
| Net charge-offs to loans | 0.0570% | 4,432 |
| Credit loss provision to net charge-offs | 704.4444% | 344 |
| Earnings coverage of net charge-offs (x) | 37.0667% | 1,012 |
| Efficiency ratio | 63.5893% | 4,974 |
| Assets per employee ($millions) | 4.0400% | 3,783 |
| Cash dividends to net income (ytd only)* | 39.2022% | 2,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3537% | 3,872 |
| Loan loss allowance to noncurrent loans | 240.3415% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 0.5428% | 4,603 |
| Noncurrent loans to loans | 0.5632% | 4,582 |
| Net loans and leases to total assets | 80.4375% | 549 |
| Net loans and leases to deposits | 93.4563% | 916 |
| Net loans and leases to core deposits | 105.7336% | 808 |
| Total domestic deposits to total assets | 86.0696% | 3,228 |
| Equity capital to assets | 11.4135% | 2,230 |
| Core capital (leverage) ratio | 10.0998% | 3,433 |
| Tier 1 risk-based capital ratio | 11.7868% | 5,753 |
| Total risk-based capital ratio | 13.0378% | 5,679 |
| Memoranda: | ||
| Average total assets | $397,965,000 | 1,659 |
| Average earning assets | $355,391,800 | 1,689 |
| Average equity | $45,612,800 | 1,535 |
| Average total loans | $315,834,200 | 1,341 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0289% | 887 |
| Cost of funding earning assets | 0.5591% | 3,167 |
| Net interest margin | 4.4698% | 771 |
| Noninterest income to average assets | 0.7421% | 2,404 |
| Noninterest expense to average assets | 3.0318% | 2,881 |
| Loan and lease loss provision to assets | 0.3517% | 911 |
| Net operating income to assets | 0.9097% | 2,782 |
| Return on assets (ROA) | 0.9097% | 2,889 |
| Pretax return on assets | 1.3503% | 2,127 |
| Return on Equity (ROE) | 7.9281% | 3,156 |
| Retained earnings to average equity (ytd only) | 4.9896% | 3,093 |
| Net charge-offs to loans | 0.0787% | 3,824 |
| Credit loss provision to net charge-offs | 566.8478% | 493 |
| Earnings coverage of net charge-offs (x) | 27.4345% | 1,310 |
| Efficiency ratio | 63.2621% | 4,928 |
| Assets per employee ($millions) | 4.0163% | 3,801 |
| Cash dividends to net income (ytd only)* | 37.0645% | 2,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3503% | 4,135 |
| Loan loss allowance to noncurrent loans | 248.7493% | 1,631 |
| Noncurrent assets plus other real estate owned to assets | 0.5150% | 4,901 |
| Noncurrent loans to loans | 0.5428% | 4,839 |
| Net loans and leases to total assets | 77.0141% | 872 |
| Net loans and leases to deposits | 89.5715% | 1,212 |
| Net loans and leases to core deposits | 96.6842% | 1,338 |
| Total domestic deposits to total assets | 85.9806% | 3,259 |
| Equity capital to assets | 11.4083% | 2,372 |
| Core capital (leverage) ratio | 10.0749% | 3,564 |
| Tier 1 risk-based capital ratio | 12.1907% | 5,657 |
| Total risk-based capital ratio | 13.4437% | 5,592 |
| Memoranda: | ||
| Average total assets | $395,447,500 | 1,675 |
| Average earning assets | $353,148,000 | 1,712 |
| Average equity | $45,373,250 | 1,554 |
| Average total loans | $311,613,500 | 1,364 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0497% | 844 |
| Cost of funding earning assets | 0.5728% | 3,187 |
| Net interest margin | 4.4769% | 739 |
| Noninterest income to average assets | 0.7504% | 2,410 |
| Noninterest expense to average assets | 3.0328% | 2,899 |
| Loan and lease loss provision to assets | 0.3836% | 832 |
| Net operating income to assets | 0.8953% | 2,823 |
| Return on assets (ROA) | 0.8953% | 2,968 |
| Pretax return on assets | 1.3253% | 2,208 |
| Return on Equity (ROE) | 7.7875% | 3,198 |
| Retained earnings to average equity (ytd only) | 3.3502% | 4,185 |
| Net charge-offs to loans | 0.0710% | 3,698 |
| Credit loss provision to net charge-offs | 683.6364% | 430 |
| Earnings coverage of net charge-offs (x) | 30.4545% | 1,133 |
| Efficiency ratio | 63.1737% | 4,993 |
| Assets per employee ($millions) | 4.0719% | 3,644 |
| Cash dividends to net income (ytd only)* | 56.9801% | 1,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2843% | 4,582 |
| Loan loss allowance to noncurrent loans | 321.9667% | 1,311 |
| Noncurrent assets plus other real estate owned to assets | 0.4162% | 5,240 |
| Noncurrent loans to loans | 0.3989% | 5,271 |
| Net loans and leases to total assets | 78.2008% | 725 |
| Net loans and leases to deposits | 90.8659% | 1,065 |
| Net loans and leases to core deposits | 98.4214% | 1,177 |
| Total domestic deposits to total assets | 86.0618% | 3,329 |
| Equity capital to assets | 11.3170% | 2,447 |
| Core capital (leverage) ratio | 10.1283% | 3,323 |
| Tier 1 risk-based capital ratio | 11.9727% | 5,805 |
| Total risk-based capital ratio | 13.2219% | 5,758 |
| Memoranda: | ||
| Average total assets | $392,048,670 | 1,692 |
| Average earning assets | $349,528,670 | 1,729 |
| Average equity | $45,072,000 | 1,570 |
| Average total loans | $309,925,000 | 1,367 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0659% | 794 |
| Cost of funding earning assets | 0.6079% | 3,033 |
| Net interest margin | 4.4580% | 729 |
| Noninterest income to average assets | 0.7381% | 2,384 |
| Noninterest expense to average assets | 3.0966% | 2,688 |
| Loan and lease loss provision to assets | 0.4118% | 744 |
| Net operating income to assets | 0.8380% | 2,958 |
| Return on assets (ROA) | 0.8380% | 3,103 |
| Pretax return on assets | 1.1932% | 2,602 |
| Return on Equity (ROE) | 7.2311% | 3,364 |
| Retained earnings to average equity (ytd only) | -1.6523% | 6,040 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0536% | 4,814 |
| Assets per employee ($millions) | 4.1119% | 3,720 |
| Cash dividends to net income (ytd only)* | 122.8501% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2225% | 5,078 |
| Loan loss allowance to noncurrent loans | 275.0000% | 1,423 |
| Noncurrent assets plus other real estate owned to assets | 0.4548% | 5,239 |
| Noncurrent loans to loans | 0.4445% | 5,307 |
| Net loans and leases to total assets | 79.7936% | 442 |
| Net loans and leases to deposits | 93.2401% | 715 |
| Net loans and leases to core deposits | 101.4309% | 863 |
| Total domestic deposits to total assets | 85.5786% | 3,753 |
| Equity capital to assets | 11.6132% | 2,318 |
| Core capital (leverage) ratio | 9.9880% | 3,399 |
| Tier 1 risk-based capital ratio | 11.7558% | 6,061 |
| Total risk-based capital ratio | 12.9388% | 6,069 |
| Memoranda: | ||
| Average total assets | $388,549,500 | 1,721 |
| Average earning assets | $345,449,500 | 1,755 |
| Average equity | $45,028,000 | 1,591 |
| Average total loans | $306,828,500 | 1,385 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2942% | 938 |
| Cost of funding earning assets | 0.8253% | 2,462 |
| Net interest margin | 4.4689% | 1,004 |
| Noninterest income to average assets | 0.7548% | 2,471 |
| Noninterest expense to average assets | 3.4069% | 2,027 |
| Loan and lease loss provision to assets | 0.3560% | 1,878 |
| Net operating income to assets | 0.6759% | 3,850 |
| Return on assets (ROA) | 0.6766% | 4,121 |
| Pretax return on assets | 0.9602% | 3,703 |
| Return on Equity (ROE) | 5.9178% | 4,216 |
| Retained earnings to average equity (ytd only) | 5.9178% | 2,130 |
| Net charge-offs to loans | 0.5629% | 2,047 |
| Credit loss provision to net charge-offs | 80.9242% | 3,797 |
| Earnings coverage of net charge-offs (x) | 2.9893% | 3,931 |
| Efficiency ratio | 71.3710% | 3,547 |
| Assets per employee ($millions) | 4.0266% | 3,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1336% | 5,422 |
| Loan loss allowance to noncurrent loans | 278.2573% | 1,377 |
| Noncurrent assets plus other real estate owned to assets | 0.4091% | 5,466 |
| Noncurrent loans to loans | 0.4074% | 5,468 |
| Net loans and leases to total assets | 76.2982% | 877 |
| Net loans and leases to deposits | 89.2736% | 1,137 |
| Net loans and leases to core deposits | 95.6398% | 1,338 |
| Total domestic deposits to total assets | 85.4655% | 3,632 |
| Equity capital to assets | 11.5645% | 2,385 |
| Core capital (leverage) ratio | 10.0570% | 3,333 |
| Tier 1 risk-based capital ratio | 12.2088% | 5,655 |
| Total risk-based capital ratio | 13.3043% | 5,709 |
| Memoranda: | ||
| Average total assets | $383,688,000 | 1,700 |
| Average earning assets | $340,619,200 | 1,746 |
| Average equity | $43,867,800 | 1,589 |
| Average total loans | $299,899,200 | 1,400 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3131% | 987 |
| Cost of funding earning assets | 0.8770% | 2,335 |
| Net interest margin | 4.4361% | 1,123 |
| Noninterest income to average assets | 0.7585% | 2,434 |
| Noninterest expense to average assets | 3.2390% | 2,453 |
| Loan and lease loss provision to assets | 0.3564% | 1,829 |
| Net operating income to assets | 0.7676% | 3,612 |
| Return on assets (ROA) | 0.7683% | 3,865 |
| Pretax return on assets | 1.1051% | 3,337 |
| Return on Equity (ROE) | 6.7396% | 3,939 |
| Retained earnings to average equity (ytd only) | 6.7396% | 2,258 |
| Net charge-offs to loans | 0.3628% | 2,651 |
| Credit loss provision to net charge-offs | 125.2761% | 2,299 |
| Earnings coverage of net charge-offs (x) | 5.1337% | 3,102 |
| Efficiency ratio | 68.1423% | 4,032 |
| Assets per employee ($millions) | 4.0382% | 3,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2912% | 4,852 |
| Loan loss allowance to noncurrent loans | 229.4939% | 1,558 |
| Noncurrent assets plus other real estate owned to assets | 0.6500% | 5,053 |
| Noncurrent loans to loans | 0.5626% | 5,317 |
| Net loans and leases to total assets | 77.7962% | 757 |
| Net loans and leases to deposits | 90.9878% | 1,051 |
| Net loans and leases to core deposits | 98.6310% | 1,219 |
| Total domestic deposits to total assets | 85.5019% | 3,507 |
| Equity capital to assets | 11.5778% | 2,670 |
| Core capital (leverage) ratio | 10.1897% | 3,295 |
| Tier 1 risk-based capital ratio | 11.9551% | 5,961 |
| Total risk-based capital ratio | 13.1961% | 5,955 |
| Memoranda: | ||
| Average total assets | $381,964,500 | 1,723 |
| Average earning assets | $339,325,750 | 1,777 |
| Average equity | $43,542,500 | 1,617 |
| Average total loans | $299,518,000 | 1,411 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3264% | 998 |
| Cost of funding earning assets | 0.9209% | 2,252 |
| Net interest margin | 4.4055% | 1,187 |
| Noninterest income to average assets | 0.6936% | 2,707 |
| Noninterest expense to average assets | 3.1695% | 2,695 |
| Loan and lease loss provision to assets | 0.3741% | 1,749 |
| Net operating income to assets | 0.7456% | 3,625 |
| Return on assets (ROA) | 0.7467% | 3,898 |
| Pretax return on assets | 1.0735% | 3,400 |
| Return on Equity (ROE) | 6.5853% | 4,003 |
| Retained earnings to average equity (ytd only) | 6.5853% | 2,339 |
| Net charge-offs to loans | 0.1371% | 3,824 |
| Credit loss provision to net charge-offs | 348.5294% | 840 |
| Earnings coverage of net charge-offs (x) | 13.4706% | 1,791 |
| Efficiency ratio | 67.8714% | 4,149 |
| Assets per employee ($millions) | 3.7663% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4313% | 4,336 |
| Loan loss allowance to noncurrent loans | 163.3077% | 2,059 |
| Noncurrent assets plus other real estate owned to assets | 0.8207% | 4,758 |
| Noncurrent loans to loans | 0.8764% | 4,740 |
| Net loans and leases to total assets | 77.6391% | 769 |
| Net loans and leases to deposits | 91.2459% | 1,023 |
| Net loans and leases to core deposits | 99.2516% | 1,149 |
| Total domestic deposits to total assets | 85.0878% | 3,817 |
| Equity capital to assets | 11.6615% | 2,443 |
| Core capital (leverage) ratio | 9.9079% | 3,560 |
| Tier 1 risk-based capital ratio | 12.0355% | 5,903 |
| Total risk-based capital ratio | 13.2871% | 5,885 |
| Memoranda: | ||
| Average total assets | $380,064,670 | 1,736 |
| Average earning assets | $338,353,330 | 1,776 |
| Average equity | $43,095,670 | 1,622 |
| Average total loans | $297,513,000 | 1,429 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3090% | 1,076 |
| Cost of funding earning assets | 0.9823% | 2,088 |
| Net interest margin | 4.3267% | 1,388 |
| Noninterest income to average assets | 0.6925% | 2,696 |
| Noninterest expense to average assets | 3.1484% | 2,763 |
| Loan and lease loss provision to assets | 0.2494% | 2,466 |
| Net operating income to assets | 0.7899% | 3,423 |
| Return on assets (ROA) | 0.7921% | 3,659 |
| Pretax return on assets | 1.1514% | 3,106 |
| Return on Equity (ROE) | 7.0848% | 3,736 |
| Retained earnings to average equity (ytd only) | 7.0848% | 2,389 |
| Net charge-offs to loans | 0.2323% | 2,764 |
| Credit loss provision to net charge-offs | 137.5723% | 1,788 |
| Earnings coverage of net charge-offs (x) | 7.7110% | 2,046 |
| Efficiency ratio | 68.4490% | 4,079 |
| Assets per employee ($millions) | 4.0163% | 3,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2823% | 5,099 |
| Loan loss allowance to noncurrent loans | 223.7647% | 1,484 |
| Noncurrent assets plus other real estate owned to assets | 0.5826% | 5,432 |
| Noncurrent loans to loans | 0.5731% | 5,521 |
| Net loans and leases to total assets | 76.7507% | 725 |
| Net loans and leases to deposits | 89.8010% | 984 |
| Net loans and leases to core deposits | 97.1300% | 1,191 |
| Total domestic deposits to total assets | 85.4675% | 3,810 |
| Equity capital to assets | 11.2915% | 2,637 |
| Core capital (leverage) ratio | 9.8457% | 3,577 |
| Tier 1 risk-based capital ratio | 11.9526% | 5,989 |
| Total risk-based capital ratio | 13.1988% | 5,992 |
| Memoranda: | ||
| Average total assets | $381,781,500 | 1,737 |
| Average earning assets | $340,026,500 | 1,778 |
| Average equity | $42,683,000 | 1,630 |
| Average total loans | $297,940,000 | 1,427 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4821% | 1,206 |
| Cost of funding earning assets | 1.3444% | 1,266 |
| Net interest margin | 4.1376% | 2,277 |
| Noninterest income to average assets | 0.7554% | 2,310 |
| Noninterest expense to average assets | 3.0201% | 3,520 |
| Loan and lease loss provision to assets | 0.3199% | 3,124 |
| Net operating income to assets | 0.7607% | 3,218 |
| Return on assets (ROA) | 0.7674% | 3,348 |
| Pretax return on assets | 1.0890% | 2,878 |
| Return on Equity (ROE) | 7.1153% | 3,345 |
| Retained earnings to average equity (ytd only) | 7.1153% | 1,442 |
| Net charge-offs to loans | 0.1975% | 4,564 |
| Credit loss provision to net charge-offs | 206.9324% | 1,198 |
| Earnings coverage of net charge-offs (x) | 9.0503% | 2,042 |
| Efficiency ratio | 67.4892% | 4,468 |
| Assets per employee ($millions) | 3.9793% | 3,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 5,172 |
| Loan loss allowance to noncurrent loans | 179.4146% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 0.5895% | 5,496 |
| Noncurrent loans to loans | 0.6964% | 5,307 |
| Net loans and leases to total assets | 77.3520% | 789 |
| Net loans and leases to deposits | 90.2594% | 1,129 |
| Net loans and leases to core deposits | 98.2259% | 1,312 |
| Total domestic deposits to total assets | 85.6997% | 3,483 |
| Equity capital to assets | 11.0685% | 2,925 |
| Core capital (leverage) ratio | 9.4909% | 4,035 |
| Tier 1 risk-based capital ratio | 11.5474% | 6,135 |
| Total risk-based capital ratio | 12.7569% | 6,142 |
| Memoranda: | ||
| Average total assets | $373,200,200 | 1,744 |
| Average earning assets | $330,478,400 | 1,790 |
| Average equity | $40,251,400 | 1,677 |
| Average total loans | $292,174,800 | 1,456 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4957% | 1,261 |
| Cost of funding earning assets | 1.3709% | 1,368 |
| Net interest margin | 4.1248% | 2,377 |
| Noninterest income to average assets | 0.7942% | 2,080 |
| Noninterest expense to average assets | 3.4476% | 2,079 |
| Loan and lease loss provision to assets | 0.3482% | 2,791 |
| Net operating income to assets | 0.4868% | 4,594 |
| Return on assets (ROA) | 0.4967% | 4,751 |
| Pretax return on assets | 0.6512% | 4,645 |
| Return on Equity (ROE) | 4.6363% | 4,702 |
| Retained earnings to average equity (ytd only) | 4.6363% | 3,421 |
| Net charge-offs to loans | 0.2420% | 3,911 |
| Credit loss provision to net charge-offs | 183.8710% | 1,605 |
| Earnings coverage of net charge-offs (x) | 5.2087% | 2,850 |
| Efficiency ratio | 76.9006% | 2,693 |
| Assets per employee ($millions) | 3.9049% | 4,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2034% | 5,449 |
| Loan loss allowance to noncurrent loans | 273.3129% | 1,136 |
| Noncurrent assets plus other real estate owned to assets | 0.3810% | 6,125 |
| Noncurrent loans to loans | 0.4403% | 5,961 |
| Net loans and leases to total assets | 75.6883% | 1,021 |
| Net loans and leases to deposits | 89.0564% | 1,315 |
| Net loans and leases to core deposits | 96.6889% | 1,536 |
| Total domestic deposits to total assets | 84.9891% | 3,770 |
| Equity capital to assets | 10.5725% | 3,614 |
| Core capital (leverage) ratio | 9.0421% | 4,862 |
| Tier 1 risk-based capital ratio | 11.2810% | 6,378 |
| Total risk-based capital ratio | 12.4573% | 6,405 |
| Memoranda: | ||
| Average total assets | $370,997,250 | 1,755 |
| Average earning assets | $327,376,500 | 1,815 |
| Average equity | $39,743,500 | 1,698 |
| Average total loans | $290,410,250 | 1,480 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5090% | 1,282 |
| Cost of funding earning assets | 1.4038% | 1,406 |
| Net interest margin | 4.1052% | 2,391 |
| Noninterest income to average assets | 0.6720% | 2,700 |
| Noninterest expense to average assets | 3.4664% | 2,074 |
| Loan and lease loss provision to assets | 0.3198% | 2,870 |
| Net operating income to assets | 0.3883% | 5,002 |
| Return on assets (ROA) | 0.4035% | 5,088 |
| Pretax return on assets | 0.5238% | 4,985 |
| Return on Equity (ROE) | 3.7493% | 5,040 |
| Retained earnings to average equity (ytd only) | 3.7493% | 3,828 |
| Net charge-offs to loans | 0.3563% | 3,130 |
| Credit loss provision to net charge-offs | 113.8132% | 2,691 |
| Earnings coverage of net charge-offs (x) | 2.9319% | 3,381 |
| Efficiency ratio | 79.9031% | 2,402 |
| Assets per employee ($millions) | 3.7875% | 4,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1055% | 5,936 |
| Loan loss allowance to noncurrent loans | 284.8350% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.3068% | 6,362 |
| Noncurrent loans to loans | 0.3881% | 6,128 |
| Net loans and leases to total assets | 75.4174% | 1,170 |
| Net loans and leases to deposits | 88.7335% | 1,404 |
| Net loans and leases to core deposits | 98.1756% | 1,493 |
| Total domestic deposits to total assets | 84.9932% | 3,882 |
| Equity capital to assets | 10.5445% | 3,453 |
| Core capital (leverage) ratio | 9.3318% | 4,202 |
| Tier 1 risk-based capital ratio | 11.0984% | 6,447 |
| Total risk-based capital ratio | 12.1563% | 6,563 |
| Memoranda: | ||
| Average total assets | $365,800,670 | 1,788 |
| Average earning assets | $322,419,330 | 1,849 |
| Average equity | $39,367,330 | 1,704 |
| Average total loans | $288,492,000 | 1,506 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5704% | 1,120 |
| Cost of funding earning assets | 1.4593% | 1,333 |
| Net interest margin | 4.1111% | 2,226 |
| Noninterest income to average assets | 0.6746% | 2,707 |
| Noninterest expense to average assets | 3.6413% | 1,675 |
| Loan and lease loss provision to assets | 0.2505% | 3,152 |
| Net operating income to assets | 0.3230% | 5,296 |
| Return on assets (ROA) | 0.3551% | 5,225 |
| Pretax return on assets | 0.4419% | 5,213 |
| Return on Equity (ROE) | 3.2649% | 5,254 |
| Retained earnings to average equity (ytd only) | 3.2649% | 4,220 |
| Net charge-offs to loans | 0.0069% | 5,023 |
| Credit loss provision to net charge-offs | 4,500.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 117.2000% | 279 |
| Efficiency ratio | 83.8994% | 1,969 |
| Assets per employee ($millions) | 3.6174% | 4,724 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 5,805 |
| Loan loss allowance to noncurrent loans | 277.2614% | 1,097 |
| Noncurrent assets plus other real estate owned to assets | 0.3909% | 6,226 |
| Noncurrent loans to loans | 0.4178% | 6,163 |
| Net loans and leases to total assets | 78.8066% | 640 |
| Net loans and leases to deposits | 93.2890% | 893 |
| Net loans and leases to core deposits | 104.8725% | 1,010 |
| Total domestic deposits to total assets | 84.4758% | 4,284 |
| Equity capital to assets | 10.8563% | 2,819 |
| Core capital (leverage) ratio | 9.3400% | 4,068 |
| Tier 1 risk-based capital ratio | 11.1446% | 6,402 |
| Total risk-based capital ratio | 12.2713% | 6,480 |
| Memoranda: | ||
| Average total assets | $359,327,000 | 1,828 |
| Average earning assets | $316,317,000 | 1,891 |
| Average equity | $39,082,500 | 1,700 |
| Average total loans | $288,320,500 | 1,521 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5032% | 2,269 |
| Cost of funding earning assets | 1.6516% | 1,823 |
| Net interest margin | 3.8517% | 3,727 |
| Noninterest income to average assets | 0.8279% | 2,151 |
| Noninterest expense to average assets | 3.4914% | 2,203 |
| Loan and lease loss provision to assets | 0.4984% | 3,161 |
| Net operating income to assets | 0.2277% | 5,188 |
| Return on assets (ROA) | 0.2736% | 5,188 |
| Pretax return on assets | 0.3082% | 5,210 |
| Return on Equity (ROE) | 2.3377% | 5,244 |
| Retained earnings to average equity (ytd only) | 2.3377% | 4,241 |
| Net charge-offs to loans | 0.4608% | 3,777 |
| Credit loss provision to net charge-offs | 141.2726% | 2,663 |
| Earnings coverage of net charge-offs (x) | 2.1402% | 4,121 |
| Efficiency ratio | 81.2187% | 2,263 |
| Assets per employee ($millions) | 3.6052% | 4,693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0832% | 6,010 |
| Loan loss allowance to noncurrent loans | 221.1048% | 1,372 |
| Noncurrent assets plus other real estate owned to assets | 0.4371% | 6,175 |
| Noncurrent loans to loans | 0.4899% | 6,055 |
| Net loans and leases to total assets | 79.8801% | 678 |
| Net loans and leases to deposits | 94.6641% | 995 |
| Net loans and leases to core deposits | 107.6629% | 1,080 |
| Total domestic deposits to total assets | 84.3826% | 4,187 |
| Equity capital to assets | 10.8971% | 2,777 |
| Core capital (leverage) ratio | 9.5760% | 3,593 |
| Tier 1 risk-based capital ratio | 10.9874% | 6,333 |
| Total risk-based capital ratio | 12.0367% | 6,467 |
| Memoranda: | ||
| Average total assets | $329,638,000 | 1,975 |
| Average earning assets | $292,573,200 | 2,029 |
| Average equity | $38,584,800 | 1,717 |
| Average total loans | $252,406,400 | 1,746 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4475% | 2,656 |
| Cost of funding earning assets | 1.6876% | 1,934 |
| Net interest margin | 3.7599% | 4,141 |
| Noninterest income to average assets | 0.8264% | 2,094 |
| Noninterest expense to average assets | 3.5800% | 1,835 |
| Loan and lease loss provision to assets | 0.2846% | 4,301 |
| Net operating income to assets | 0.2691% | 5,285 |
| Return on assets (ROA) | 0.2734% | 5,429 |
| Pretax return on assets | 0.3098% | 5,478 |
| Return on Equity (ROE) | 2.2921% | 5,495 |
| Retained earnings to average equity (ytd only) | 2.2921% | 4,793 |
| Net charge-offs to loans | 0.1648% | 5,000 |
| Credit loss provision to net charge-offs | 228.9037% | 1,500 |
| Earnings coverage of net charge-offs (x) | 4.7409% | 2,938 |
| Efficiency ratio | 84.8242% | 1,748 |
| Assets per employee ($millions) | 3.5917% | 4,754 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1156% | 5,876 |
| Loan loss allowance to noncurrent loans | 104.1237% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.8843% | 5,327 |
| Noncurrent loans to loans | 1.0714% | 5,092 |
| Net loans and leases to total assets | 77.8938% | 1,053 |
| Net loans and leases to deposits | 93.1285% | 1,315 |
| Net loans and leases to core deposits | 109.2852% | 1,077 |
| Total domestic deposits to total assets | 83.6412% | 4,300 |
| Equity capital to assets | 11.3602% | 2,648 |
| Core capital (leverage) ratio | 9.7393% | 3,570 |
| Tier 1 risk-based capital ratio | 11.4612% | 5,971 |
| Total risk-based capital ratio | 12.5325% | 6,109 |
| Memoranda: | ||
| Average total assets | $322,820,000 | 2,042 |
| Average earning assets | $287,021,250 | 2,095 |
| Average equity | $38,507,750 | 1,732 |
| Average total loans | $243,452,500 | 1,818 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3592% | 3,161 |
| Cost of funding earning assets | 1.6882% | 2,178 |
| Net interest margin | 3.6710% | 4,497 |
| Noninterest income to average assets | 0.7911% | 2,166 |
| Noninterest expense to average assets | 3.5525% | 1,903 |
| Loan and lease loss provision to assets | 0.3157% | 3,854 |
| Net operating income to assets | 0.1838% | 5,619 |
| Return on assets (ROA) | 0.1914% | 5,711 |
| Pretax return on assets | 0.1921% | 5,784 |
| Return on Equity (ROE) | 1.5776% | 5,768 |
| Retained earnings to average equity (ytd only) | 1.5776% | 5,071 |
| Net charge-offs to loans | 0.1649% | 4,625 |
| Credit loss provision to net charge-offs | 258.0311% | 1,476 |
| Earnings coverage of net charge-offs (x) | 4.0881% | 3,057 |
| Efficiency ratio | 86.5634% | 1,649 |
| Assets per employee ($millions) | 3.5454% | 4,806 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1765% | 5,566 |
| Loan loss allowance to noncurrent loans | 84.1519% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 1.1552% | 4,816 |
| Noncurrent loans to loans | 1.3981% | 4,606 |
| Net loans and leases to total assets | 74.2751% | 1,849 |
| Net loans and leases to deposits | 89.1544% | 1,980 |
| Net loans and leases to core deposits | 104.9539% | 1,542 |
| Total domestic deposits to total assets | 83.3106% | 4,435 |
| Equity capital to assets | 11.6013% | 2,355 |
| Core capital (leverage) ratio | 10.1017% | 3,061 |
| Tier 1 risk-based capital ratio | 12.1101% | 5,212 |
| Total risk-based capital ratio | 13.2246% | 5,302 |
| Memoranda: | ||
| Average total assets | $315,493,670 | 2,112 |
| Average earning assets | $280,301,330 | 2,159 |
| Average equity | $38,287,000 | 1,737 |
| Average total loans | $234,067,670 | 1,913 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2606% | 3,729 |
| Cost of funding earning assets | 1.6639% | 2,575 |
| Net interest margin | 3.5967% | 4,746 |
| Noninterest income to average assets | 0.7371% | 2,369 |
| Noninterest expense to average assets | 3.5994% | 1,736 |
| Loan and lease loss provision to assets | 0.2492% | 4,054 |
| Net operating income to assets | 0.1213% | 5,962 |
| Return on assets (ROA) | 0.1213% | 6,078 |
| Pretax return on assets | 0.0809% | 6,186 |
| Return on Equity (ROE) | 0.9764% | 6,121 |
| Retained earnings to average equity (ytd only) | 0.9764% | 5,424 |
| Net charge-offs to loans | 0.3028% | 3,206 |
| Credit loss provision to net charge-offs | 111.6959% | 3,099 |
| Earnings coverage of net charge-offs (x) | 1.4795% | 3,846 |
| Efficiency ratio | 90.4382% | 1,397 |
| Assets per employee ($millions) | 3.4156% | 5,246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1496% | 5,778 |
| Loan loss allowance to noncurrent loans | 77.5480% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 1.2036% | 4,766 |
| Noncurrent loans to loans | 1.4824% | 4,518 |
| Net loans and leases to total assets | 72.8698% | 2,239 |
| Net loans and leases to deposits | 87.1878% | 2,375 |
| Net loans and leases to core deposits | 101.9964% | 1,908 |
| Total domestic deposits to total assets | 83.5779% | 4,352 |
| Equity capital to assets | 12.1603% | 1,952 |
| Core capital (leverage) ratio | 10.8258% | 2,350 |
| Tier 1 risk-based capital ratio | 13.0059% | 4,328 |
| Total risk-based capital ratio | 14.0958% | 4,419 |
| Memoranda: | ||
| Average total assets | $306,604,500 | 2,214 |
| Average earning assets | $272,135,000 | 2,270 |
| Average equity | $38,098,500 | 1,767 |
| Average total loans | $225,859,000 | 2,028 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3371% | 4,994 |
| Cost of funding earning assets | 1.9537% | 3,192 |
| Net interest margin | 3.3835% | 5,435 |
| Noninterest income to average assets | 0.8371% | 2,239 |
| Noninterest expense to average assets | 3.7654% | 1,762 |
| Loan and lease loss provision to assets | 0.4431% | 4,170 |
| Net operating income to assets | -0.0615% | 5,605 |
| Return on assets (ROA) | -0.0612% | 5,625 |
| Pretax return on assets | -0.3792% | 5,899 |
| Return on Equity (ROE) | -0.4241% | 5,605 |
| Retained earnings to average equity (ytd only) | -0.4241% | 5,072 |
| Net charge-offs to loans | 0.0340% | 6,788 |
| Credit loss provision to net charge-offs | 1,765.1515% | 178 |
| Earnings coverage of net charge-offs (x) | 2.5303% | 3,858 |
| Efficiency ratio | 96.9604% | 1,273 |
| Assets per employee ($millions) | 3.2148% | 5,690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 5,355 |
| Loan loss allowance to noncurrent loans | 57.2946% | 4,562 |
| Noncurrent assets plus other real estate owned to assets | 1.5429% | 4,063 |
| Noncurrent loans to loans | 2.0961% | 3,524 |
| Net loans and leases to total assets | 72.7253% | 2,571 |
| Net loans and leases to deposits | 90.1675% | 2,192 |
| Net loans and leases to core deposits | 120.1650% | 1,939 |
| Total domestic deposits to total assets | 80.6558% | 5,453 |
| Equity capital to assets | 12.7052% | 1,643 |
| Core capital (leverage) ratio | 11.2586% | 2,069 |
| Tier 1 risk-based capital ratio | 13.7313% | 3,668 |
| Total risk-based capital ratio | 14.8779% | 3,675 |
| Memoranda: | ||
| Average total assets | $262,921,200 | 2,490 |
| Average earning assets | $232,484,000 | 2,574 |
| Average equity | $37,959,200 | 1,762 |
| Average total loans | $194,385,400 | 2,347 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3325% | 5,259 |
| Cost of funding earning assets | 2.0296% | 3,220 |
| Net interest margin | 3.3029% | 5,630 |
| Noninterest income to average assets | 0.7940% | 2,463 |
| Noninterest expense to average assets | 3.7272% | 1,757 |
| Loan and lease loss provision to assets | 0.3151% | 4,456 |
| Net operating income to assets | -0.1208% | 5,921 |
| Return on assets (ROA) | -0.1208% | 5,952 |
| Pretax return on assets | -0.3308% | 6,129 |
| Return on Equity (ROE) | -0.8080% | 5,902 |
| Retained earnings to average equity (ytd only) | -0.8080% | 5,439 |
| Net charge-offs to loans | 0.0234% | 6,561 |
| Credit loss provision to net charge-offs | 1,818.1818% | 211 |
| Earnings coverage of net charge-offs (x) | -0.9091% | 6,610 |
| Efficiency ratio | 98.9389% | 1,116 |
| Assets per employee ($millions) | 3.0488% | 6,043 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9724% | 6,428 |
| Loan loss allowance to noncurrent loans | 1,028.7805% | 349 |
| Noncurrent assets plus other real estate owned to assets | 0.0731% | 7,377 |
| Noncurrent loans to loans | 0.0945% | 7,246 |
| Net loans and leases to total assets | 76.5677% | 1,881 |
| Net loans and leases to deposits | 97.2122% | 1,413 |
| Net loans and leases to core deposits | 123.7280% | 1,929 |
| Total domestic deposits to total assets | 78.7635% | 5,876 |
| Equity capital to assets | 13.5939% | 1,456 |
| Core capital (leverage) ratio | 11.7001% | 1,967 |
| Tier 1 risk-based capital ratio | 14.0443% | 3,525 |
| Total risk-based capital ratio | 14.9832% | 3,643 |
| Memoranda: | ||
| Average total assets | $253,908,250 | 2,584 |
| Average earning assets | $224,278,750 | 2,682 |
| Average equity | $37,952,750 | 1,793 |
| Average total loans | $187,963,750 | 2,450 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2534% | 5,850 |
| Cost of funding earning assets | 2.0657% | 3,448 |
| Net interest margin | 3.1878% | 5,960 |
| Noninterest income to average assets | 0.8300% | 2,273 |
| Noninterest expense to average assets | 3.8499% | 1,571 |
| Loan and lease loss provision to assets | 0.3061% | 4,117 |
| Net operating income to assets | -0.2293% | 6,230 |
| Return on assets (ROA) | -0.2293% | 6,251 |
| Pretax return on assets | -0.5134% | 6,441 |
| Return on Equity (ROE) | -1.4831% | 6,147 |
| Retained earnings to average equity (ytd only) | -1.4831% | 5,611 |
| Net charge-offs to loans | -0.0191% | 7,688 |
| Credit loss provision to net charge-offs | -2,205.8824% | 7,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.1228% | 1,030 |
| Assets per employee ($millions) | 3.2600% | 5,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9828% | 6,358 |
| Loan loss allowance to noncurrent loans | 2,418.7500% | 168 |
| Noncurrent assets plus other real estate owned to assets | 0.0438% | 7,491 |
| Noncurrent loans to loans | 0.0406% | 7,439 |
| Net loans and leases to total assets | 72.9264% | 2,969 |
| Net loans and leases to deposits | 93.0006% | 2,270 |
| Net loans and leases to core deposits | 120.4977% | 2,325 |
| Total domestic deposits to total assets | 78.4149% | 5,972 |
| Equity capital to assets | 14.1049% | 1,273 |
| Core capital (leverage) ratio | 12.5243% | 1,617 |
| Tier 1 risk-based capital ratio | 15.4542% | 2,829 |
| Total risk-based capital ratio | 16.3983% | 2,894 |
| Memoranda: | ||
| Average total assets | $245,046,670 | 2,699 |
| Average earning assets | $216,202,330 | 2,796 |
| Average equity | $37,893,670 | 1,805 |
| Average total loans | $178,326,330 | 2,596 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1059% | 6,625 |
| Cost of funding earning assets | 2.0949% | 3,681 |
| Net interest margin | 3.0110% | 6,455 |
| Noninterest income to average assets | 0.8602% | 2,034 |
| Noninterest expense to average assets | 3.8647% | 1,357 |
| Loan and lease loss provision to assets | 0.2565% | 3,913 |
| Net operating income to assets | -0.3796% | 6,763 |
| Return on assets (ROA) | -0.3796% | 6,842 |
| Pretax return on assets | -0.5968% | 6,900 |
| Return on Equity (ROE) | -2.3376% | 6,703 |
| Retained earnings to average equity (ytd only) | -2.3376% | 6,161 |
| Net charge-offs to loans | -0.0970% | 7,868 |
| Credit loss provision to net charge-offs | -365.8537% | 6,352 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.9573% | 862 |
| Assets per employee ($millions) | 3.3931% | 5,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9605% | 6,429 |
| Loan loss allowance to noncurrent loans | 34,680.0000% | 14 |
| Noncurrent assets plus other real estate owned to assets | 0.0167% | 7,583 |
| Noncurrent loans to loans | 0.0028% | 7,579 |
| Net loans and leases to total assets | 71.2047% | 3,425 |
| Net loans and leases to deposits | 92.3535% | 2,536 |
| Net loans and leases to core deposits | 124.2054% | 2,066 |
| Total domestic deposits to total assets | 77.1001% | 6,250 |
| Equity capital to assets | 15.0705% | 1,084 |
| Core capital (leverage) ratio | 13.7326% | 1,257 |
| Tier 1 risk-based capital ratio | 16.2878% | 2,584 |
| Total risk-based capital ratio | 17.2015% | 2,645 |
| Memoranda: | ||
| Average total assets | $233,910,500 | 2,833 |
| Average earning assets | $206,977,500 | 2,921 |
| Average equity | $37,988,000 | 1,795 |
| Average total loans | $169,049,000 | 2,716 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7634% | 7,953 |
| Cost of funding earning assets | 1.8046% | 6,992 |
| Net interest margin | 2.9588% | 7,010 |
| Noninterest income to average assets | 0.6354% | 3,595 |
| Noninterest expense to average assets | 4.7041% | 764 |
| Loan and lease loss provision to assets | 0.6384% | 2,280 |
| Net operating income to assets | -1.1579% | 7,325 |
| Return on assets (ROA) | -1.1579% | 7,264 |
| Pretax return on assets | -2.0679% | 7,456 |
| Return on Equity (ROE) | -6.3278% | 6,989 |
| Retained earnings to average equity (ytd only) | -6.3278% | 6,701 |
| Net charge-offs to loans | 0.1519% | 4,683 |
| Credit loss provision to net charge-offs | 856.4356% | 516 |
| Earnings coverage of net charge-offs (x) | -19.1782% | 6,943 |
| Efficiency ratio | 142.1005% | 389 |
| Assets per employee ($millions) | 2.2813% | 7,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9792% | 6,215 |
| Loan loss allowance to noncurrent loans | 262.8620% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.2879% | 6,430 |
| Noncurrent loans to loans | 0.3725% | 6,238 |
| Net loans and leases to total assets | 71.9939% | 3,585 |
| Net loans and leases to deposits | 98.1142% | 2,108 |
| Net loans and leases to core deposits | 129.6628% | 1,874 |
| Total domestic deposits to total assets | 73.3777% | 6,759 |
| Equity capital to assets | 17.5958% | 705 |
| Core capital (leverage) ratio | 15.6498% | 892 |
| Tier 1 risk-based capital ratio | 19.1688% | 1,777 |
| Total risk-based capital ratio | 20.1059% | 1,798 |
| Memoranda: | ||
| Average total assets | $135,500,000 | 4,175 |
| Average earning assets | $120,860,200 | 4,234 |
| Average equity | $24,795,400 | 2,655 |
| Average total loans | $66,476,800 | 5,002 |