Home > Carolina Trust Bank > Performance and Condition Ratios
Carolina Trust Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3986% | 697 |
| Cost of funding earning assets | 0.9888% | 1,808 |
| Net interest margin | 4.4098% | 928 |
| Noninterest income to average assets | 0.4804% | 2,850 |
| Noninterest expense to average assets | 3.1313% | 1,635 |
| Loan and lease loss provision to assets | 0.0265% | 3,368 |
| Net operating income to assets | 1.0943% | 2,593 |
| Return on assets (ROA) | 1.1116% | 2,616 |
| Pretax return on assets | 1.4210% | 2,221 |
| Return on Equity (ROE) | 9.3908% | 2,719 |
| Retained earnings to average equity (ytd only) | 9.3908% | 931 |
| Net charge-offs to loans | 0.0322% | 2,431 |
| Credit loss provision to net charge-offs | 104.5045% | 2,171 |
| Earnings coverage of net charge-offs (x) | 56.2418% | 1,104 |
| Efficiency ratio | 66.5915% | 2,653 |
| Assets per employee ($millions) | 5.9864% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8244% | 4,331 |
| Loan loss allowance to noncurrent loans | 171.2382% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.5411% | 2,388 |
| Noncurrent loans to loans | 0.4814% | 2,854 |
| Net loans and leases to total assets | 76.9667% | 1,326 |
| Net loans and leases to deposits | 92.3144% | 1,396 |
| Net loans and leases to core deposits | 102.4944% | 1,456 |
| Total domestic deposits to total assets | 83.3746% | 3,032 |
| Equity capital to assets | 12.4636% | 1,941 |
| Core capital (leverage) ratio | 11.2223% | 2,448 |
| Tier 1 risk-based capital ratio | 13.0896% | 3,802 |
| Total risk-based capital ratio | 13.8596% | 3,952 |
| Memoranda: | ||
| Average total assets | $583,893,000 | 1,250 |
| Average earning assets | $539,751,750 | 1,259 |
| Average equity | $69,115,500 | 1,230 |
| Average total loans | $459,030,000 | 1,151 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4832% | 584 |
| Cost of funding earning assets | 0.9775% | 1,804 |
| Net interest margin | 4.5056% | 763 |
| Noninterest income to average assets | 0.4620% | 2,900 |
| Noninterest expense to average assets | 3.4049% | 1,098 |
| Loan and lease loss provision to assets | 0.0536% | 2,751 |
| Net operating income to assets | 0.9244% | 3,193 |
| Return on assets (ROA) | 0.9786% | 3,068 |
| Pretax return on assets | 1.2406% | 2,785 |
| Return on Equity (ROE) | 8.4298% | 3,102 |
| Retained earnings to average equity (ytd only) | 8.4298% | 1,234 |
| Net charge-offs to loans | -0.0067% | 4,204 |
| Credit loss provision to net charge-offs | -1,020.0000% | 4,261 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.3691% | 2,008 |
| Assets per employee ($millions) | 5.9369% | 1,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8541% | 4,251 |
| Loan loss allowance to noncurrent loans | 217.4095% | 2,028 |
| Noncurrent assets plus other real estate owned to assets | 0.5277% | 2,445 |
| Noncurrent loans to loans | 0.3928% | 3,117 |
| Net loans and leases to total assets | 77.9497% | 1,232 |
| Net loans and leases to deposits | 92.6459% | 1,418 |
| Net loans and leases to core deposits | 102.2505% | 1,534 |
| Total domestic deposits to total assets | 84.1373% | 2,803 |
| Equity capital to assets | 12.2152% | 2,044 |
| Core capital (leverage) ratio | 10.8820% | 2,708 |
| Tier 1 risk-based capital ratio | 12.6667% | 4,035 |
| Total risk-based capital ratio | 13.4674% | 4,163 |
| Memoranda: | ||
| Average total assets | $570,996,670 | 1,274 |
| Average earning assets | $528,270,330 | 1,278 |
| Average equity | $66,288,670 | 1,270 |
| Average total loans | $450,985,330 | 1,161 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5755% | 451 |
| Cost of funding earning assets | 0.9671% | 1,709 |
| Net interest margin | 4.6085% | 601 |
| Noninterest income to average assets | 0.5170% | 2,453 |
| Noninterest expense to average assets | 4.1667% | 427 |
| Loan and lease loss provision to assets | 0.0562% | 2,544 |
| Net operating income to assets | 0.4624% | 4,615 |
| Return on assets (ROA) | 0.5031% | 4,533 |
| Pretax return on assets | 0.6170% | 4,481 |
| Return on Equity (ROE) | 4.4651% | 4,481 |
| Retained earnings to average equity (ytd only) | 4.4651% | 3,137 |
| Net charge-offs to loans | -0.0129% | 4,328 |
| Credit loss provision to net charge-offs | -550.0000% | 3,820 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5274% | 669 |
| Assets per employee ($millions) | 5.8002% | 1,697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8578% | 4,308 |
| Loan loss allowance to noncurrent loans | 185.7534% | 2,301 |
| Noncurrent assets plus other real estate owned to assets | 0.7057% | 1,991 |
| Noncurrent loans to loans | 0.4618% | 2,930 |
| Net loans and leases to total assets | 75.7582% | 1,527 |
| Net loans and leases to deposits | 89.1543% | 1,739 |
| Net loans and leases to core deposits | 98.5886% | 1,735 |
| Total domestic deposits to total assets | 84.9742% | 2,688 |
| Equity capital to assets | 11.6991% | 2,235 |
| Core capital (leverage) ratio | 10.6391% | 2,905 |
| Tier 1 risk-based capital ratio | 12.4473% | 4,206 |
| Total risk-based capital ratio | 13.2482% | 4,351 |
| Memoranda: | ||
| Average total assets | $547,777,500 | 1,319 |
| Average earning assets | $507,935,000 | 1,325 |
| Average equity | $61,722,500 | 1,340 |
| Average total loans | $433,760,500 | 1,201 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9979% | 1,048 |
| Cost of funding earning assets | 0.9101% | 1,053 |
| Net interest margin | 4.0879% | 1,719 |
| Noninterest income to average assets | 0.2717% | 4,288 |
| Noninterest expense to average assets | 2.7660% | 2,805 |
| Loan and lease loss provision to assets | 0.0897% | 2,351 |
| Net operating income to assets | 0.9472% | 3,246 |
| Return on assets (ROA) | 0.9455% | 3,251 |
| Pretax return on assets | 1.2243% | 2,797 |
| Return on Equity (ROE) | 9.4170% | 2,782 |
| Retained earnings to average equity (ytd only) | 8.9770% | 874 |
| Net charge-offs to loans | 0.0072% | 3,427 |
| Credit loss provision to net charge-offs | 1,503.7037% | 275 |
| Earnings coverage of net charge-offs (x) | 220.6667% | 418 |
| Efficiency ratio | 67.5794% | 2,619 |
| Assets per employee ($millions) | 5.5225% | 1,934 |
| Cash dividends to net income (ytd only)* | 4.6729% | 3,954 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0115% | 3,608 |
| Loan loss allowance to noncurrent loans | 378.4967% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.4649% | 2,702 |
| Noncurrent loans to loans | 0.2672% | 3,619 |
| Net loans and leases to total assets | 81.9701% | 654 |
| Net loans and leases to deposits | 96.4247% | 1,031 |
| Net loans and leases to core deposits | 109.1059% | 1,049 |
| Total domestic deposits to total assets | 85.0095% | 2,646 |
| Equity capital to assets | 10.7042% | 2,981 |
| Core capital (leverage) ratio | 10.7515% | 2,789 |
| Tier 1 risk-based capital ratio | 12.2375% | 4,280 |
| Total risk-based capital ratio | 13.2082% | 4,343 |
| Memoranda: | ||
| Average total assets | $452,678,400 | 1,528 |
| Average earning assets | $421,953,600 | 1,522 |
| Average equity | $45,449,600 | 1,650 |
| Average total loans | $372,754,400 | 1,328 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9458% | 1,054 |
| Cost of funding earning assets | 0.8970% | 936 |
| Net interest margin | 4.0488% | 1,797 |
| Noninterest income to average assets | 0.2636% | 4,392 |
| Noninterest expense to average assets | 2.7965% | 2,640 |
| Loan and lease loss provision to assets | 0.1238% | 1,624 |
| Net operating income to assets | 0.8603% | 3,699 |
| Return on assets (ROA) | 0.8892% | 3,588 |
| Pretax return on assets | 1.1502% | 3,194 |
| Return on Equity (ROE) | 9.0151% | 3,075 |
| Retained earnings to average equity (ytd only) | 8.4105% | 1,464 |
| Net charge-offs to loans | 0.0323% | 2,443 |
| Credit loss provision to net charge-offs | 466.2921% | 741 |
| Earnings coverage of net charge-offs (x) | 46.6194% | 1,226 |
| Efficiency ratio | 69.1358% | 2,337 |
| Assets per employee ($millions) | 5.5337% | 1,881 |
| Cash dividends to net income (ytd only)* | 6.7069% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0309% | 3,579 |
| Loan loss allowance to noncurrent loans | 371.3340% | 1,402 |
| Noncurrent assets plus other real estate owned to assets | 0.6108% | 2,347 |
| Noncurrent loans to loans | 0.2776% | 3,692 |
| Net loans and leases to total assets | 81.0668% | 862 |
| Net loans and leases to deposits | 95.2292% | 1,244 |
| Net loans and leases to core deposits | 109.2096% | 1,088 |
| Total domestic deposits to total assets | 85.1280% | 2,559 |
| Equity capital to assets | 10.5798% | 3,064 |
| Core capital (leverage) ratio | 10.5607% | 3,016 |
| Tier 1 risk-based capital ratio | 12.2110% | 4,372 |
| Total risk-based capital ratio | 13.1896% | 4,413 |
| Memoranda: | ||
| Average total assets | $447,114,500 | 1,551 |
| Average earning assets | $416,341,750 | 1,548 |
| Average equity | $44,102,500 | 1,696 |
| Average total loans | $367,622,500 | 1,342 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8907% | 1,043 |
| Cost of funding earning assets | 0.8874% | 767 |
| Net interest margin | 4.0033% | 1,849 |
| Noninterest income to average assets | 0.2430% | 4,558 |
| Noninterest expense to average assets | 2.8127% | 2,627 |
| Loan and lease loss provision to assets | 0.1541% | 1,223 |
| Net operating income to assets | 0.7722% | 3,946 |
| Return on assets (ROA) | 0.8037% | 3,842 |
| Pretax return on assets | 1.0358% | 3,551 |
| Return on Equity (ROE) | 8.3611% | 3,334 |
| Retained earnings to average equity (ytd only) | 7.4179% | 1,878 |
| Net charge-offs to loans | 0.0523% | 1,853 |
| Credit loss provision to net charge-offs | 357.8947% | 887 |
| Earnings coverage of net charge-offs (x) | 26.7053% | 1,591 |
| Efficiency ratio | 70.7847% | 2,197 |
| Assets per employee ($millions) | 5.6691% | 1,743 |
| Cash dividends to net income (ytd only)* | 11.2803% | 3,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 3,664 |
| Loan loss allowance to noncurrent loans | 347.8733% | 1,469 |
| Noncurrent assets plus other real estate owned to assets | 0.6537% | 2,273 |
| Noncurrent loans to loans | 0.2954% | 3,638 |
| Net loans and leases to total assets | 78.6731% | 1,212 |
| Net loans and leases to deposits | 91.9618% | 1,588 |
| Net loans and leases to core deposits | 104.6173% | 1,345 |
| Total domestic deposits to total assets | 85.5498% | 2,475 |
| Equity capital to assets | 10.2286% | 3,416 |
| Core capital (leverage) ratio | 10.4494% | 3,083 |
| Tier 1 risk-based capital ratio | 12.1630% | 4,394 |
| Total risk-based capital ratio | 13.1416% | 4,447 |
| Memoranda: | ||
| Average total assets | $441,210,000 | 1,581 |
| Average earning assets | $409,963,670 | 1,572 |
| Average equity | $42,410,670 | 1,770 |
| Average total loans | $363,248,000 | 1,353 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8653% | 936 |
| Cost of funding earning assets | 0.8749% | 679 |
| Net interest margin | 3.9904% | 1,757 |
| Noninterest income to average assets | 0.3442% | 3,850 |
| Noninterest expense to average assets | 2.8892% | 2,409 |
| Loan and lease loss provision to assets | 0.2363% | 653 |
| Net operating income to assets | 0.7258% | 4,000 |
| Return on assets (ROA) | 0.7540% | 3,896 |
| Pretax return on assets | 0.9668% | 3,647 |
| Return on Equity (ROE) | 8.1312% | 3,324 |
| Retained earnings to average equity (ytd only) | 8.1312% | 1,790 |
| Net charge-offs to loans | 0.0794% | 1,337 |
| Credit loss provision to net charge-offs | 354.9296% | 733 |
| Earnings coverage of net charge-offs (x) | 17.5352% | 1,576 |
| Efficiency ratio | 71.0125% | 2,336 |
| Assets per employee ($millions) | 5.5126% | 1,929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0299% | 3,781 |
| Loan loss allowance to noncurrent loans | 336.0000% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.7480% | 2,078 |
| Noncurrent loans to loans | 0.3065% | 3,673 |
| Net loans and leases to total assets | 81.3535% | 744 |
| Net loans and leases to deposits | 97.2183% | 923 |
| Net loans and leases to core deposits | 112.7580% | 852 |
| Total domestic deposits to total assets | 83.6813% | 3,442 |
| Equity capital to assets | 9.2012% | 4,362 |
| Core capital (leverage) ratio | 9.4934% | 4,075 |
| Tier 1 risk-based capital ratio | 10.4373% | 5,371 |
| Total risk-based capital ratio | 11.4100% | 5,393 |
| Memoranda: | ||
| Average total assets | $426,549,000 | 1,629 |
| Average earning assets | $396,848,000 | 1,626 |
| Average equity | $39,551,500 | 1,889 |
| Average total loans | $357,859,000 | 1,374 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7992% | 977 |
| Cost of funding earning assets | 0.7481% | 828 |
| Net interest margin | 4.0511% | 1,591 |
| Noninterest income to average assets | 0.2958% | 4,338 |
| Noninterest expense to average assets | 3.0796% | 1,918 |
| Loan and lease loss provision to assets | 0.1801% | 1,195 |
| Net operating income to assets | 0.3380% | 4,856 |
| Return on assets (ROA) | 0.3380% | 4,879 |
| Pretax return on assets | 0.8050% | 4,227 |
| Return on Equity (ROE) | 3.4493% | 4,701 |
| Retained earnings to average equity (ytd only) | 1.5745% | 4,368 |
| Net charge-offs to loans | 0.1525% | 1,584 |
| Credit loss provision to net charge-offs | 141.3655% | 1,873 |
| Earnings coverage of net charge-offs (x) | 7.7309% | 3,004 |
| Efficiency ratio | 75.4863% | 1,694 |
| Assets per employee ($millions) | 5.0161% | 2,454 |
| Cash dividends to net income (ytd only)* | 54.3528% | 2,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0322% | 3,725 |
| Loan loss allowance to noncurrent loans | 131.0634% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.8700% | 1,790 |
| Noncurrent loans to loans | 0.7875% | 2,248 |
| Net loans and leases to total assets | 84.9317% | 351 |
| Net loans and leases to deposits | 101.2214% | 641 |
| Net loans and leases to core deposits | 116.2171% | 711 |
| Total domestic deposits to total assets | 83.9068% | 3,242 |
| Equity capital to assets | 9.3942% | 4,336 |
| Core capital (leverage) ratio | 9.3333% | 4,246 |
| Tier 1 risk-based capital ratio | 10.2329% | 5,468 |
| Total risk-based capital ratio | 11.2143% | 5,488 |
| Memoranda: | ||
| Average total assets | $390,802,800 | 1,749 |
| Average earning assets | $363,584,400 | 1,742 |
| Average equity | $38,297,600 | 1,919 |
| Average total loans | $326,633,400 | 1,456 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7434% | 1,051 |
| Cost of funding earning assets | 0.7406% | 796 |
| Net interest margin | 4.0027% | 1,692 |
| Noninterest income to average assets | 0.2691% | 4,583 |
| Noninterest expense to average assets | 3.1064% | 1,782 |
| Loan and lease loss provision to assets | 0.1912% | 1,012 |
| Net operating income to assets | 0.4583% | 4,856 |
| Return on assets (ROA) | 0.4583% | 4,887 |
| Pretax return on assets | 0.6868% | 4,641 |
| Return on Equity (ROE) | 4.6264% | 4,662 |
| Retained earnings to average equity (ytd only) | 2.8280% | 4,220 |
| Net charge-offs to loans | 0.2180% | 995 |
| Credit loss provision to net charge-offs | 105.7143% | 2,198 |
| Earnings coverage of net charge-offs (x) | 4.8534% | 3,175 |
| Efficiency ratio | 77.6615% | 1,374 |
| Assets per employee ($millions) | 4.8228% | 2,671 |
| Cash dividends to net income (ytd only)* | 38.8724% | 2,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0067% | 4,013 |
| Loan loss allowance to noncurrent loans | 159.8039% | 2,651 |
| Noncurrent assets plus other real estate owned to assets | 0.6513% | 2,548 |
| Noncurrent loans to loans | 0.6299% | 2,815 |
| Net loans and leases to total assets | 84.0926% | 427 |
| Net loans and leases to deposits | 99.5805% | 777 |
| Net loans and leases to core deposits | 113.9233% | 844 |
| Total domestic deposits to total assets | 84.4468% | 2,939 |
| Equity capital to assets | 9.6632% | 4,281 |
| Core capital (leverage) ratio | 9.5399% | 4,108 |
| Tier 1 risk-based capital ratio | 10.3090% | 5,509 |
| Total risk-based capital ratio | 11.2566% | 5,556 |
| Memoranda: | ||
| Average total assets | $386,927,750 | 1,772 |
| Average earning assets | $359,146,250 | 1,768 |
| Average equity | $38,329,750 | 1,942 |
| Average total loans | $321,122,000 | 1,486 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7111% | 1,035 |
| Cost of funding earning assets | 0.7290% | 764 |
| Net interest margin | 3.9821% | 1,666 |
| Noninterest income to average assets | 0.2160% | 4,960 |
| Noninterest expense to average assets | 3.1579% | 1,683 |
| Loan and lease loss provision to assets | 0.1124% | 1,823 |
| Net operating income to assets | 0.4220% | 4,925 |
| Return on assets (ROA) | 0.4220% | 4,952 |
| Pretax return on assets | 0.6332% | 4,735 |
| Return on Equity (ROE) | 4.2237% | 4,760 |
| Retained earnings to average equity (ytd only) | 2.4180% | 4,237 |
| Net charge-offs to loans | 0.2509% | 813 |
| Credit loss provision to net charge-offs | 54.4304% | 2,514 |
| Earnings coverage of net charge-offs (x) | 3.6101% | 3,023 |
| Efficiency ratio | 80.5894% | 1,147 |
| Assets per employee ($millions) | 4.7003% | 2,790 |
| Cash dividends to net income (ytd only)* | 42.7509% | 2,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9906% | 4,205 |
| Loan loss allowance to noncurrent loans | 110.9461% | 3,377 |
| Noncurrent assets plus other real estate owned to assets | 0.8912% | 1,990 |
| Noncurrent loans to loans | 0.8929% | 2,191 |
| Net loans and leases to total assets | 82.3153% | 624 |
| Net loans and leases to deposits | 96.9505% | 989 |
| Net loans and leases to core deposits | 111.7038% | 921 |
| Total domestic deposits to total assets | 84.9045% | 2,848 |
| Equity capital to assets | 9.8660% | 4,070 |
| Core capital (leverage) ratio | 9.7524% | 3,832 |
| Tier 1 risk-based capital ratio | 10.8908% | 5,313 |
| Total risk-based capital ratio | 11.8290% | 5,354 |
| Memoranda: | ||
| Average total assets | $382,473,330 | 1,798 |
| Average earning assets | $354,181,670 | 1,796 |
| Average equity | $38,212,670 | 1,946 |
| Average total loans | $314,816,670 | 1,510 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6409% | 1,046 |
| Cost of funding earning assets | 0.7204% | 762 |
| Net interest margin | 3.9205% | 1,704 |
| Noninterest income to average assets | 0.2958% | 4,435 |
| Noninterest expense to average assets | 3.1153% | 1,824 |
| Loan and lease loss provision to assets | 0.1595% | 1,132 |
| Net operating income to assets | 0.4363% | 4,833 |
| Return on assets (ROA) | 0.4363% | 4,854 |
| Pretax return on assets | 0.6602% | 4,562 |
| Return on Equity (ROE) | 4.3389% | 4,653 |
| Retained earnings to average equity (ytd only) | 2.5214% | 4,134 |
| Net charge-offs to loans | 0.0942% | 1,415 |
| Credit loss provision to net charge-offs | 206.8493% | 1,000 |
| Earnings coverage of net charge-offs (x) | 10.6301% | 1,927 |
| Efficiency ratio | 78.8456% | 1,510 |
| Assets per employee ($millions) | 4.8403% | 2,641 |
| Cash dividends to net income (ytd only)* | 41.8886% | 1,941 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1139% | 3,631 |
| Loan loss allowance to noncurrent loans | 118.1818% | 3,310 |
| Noncurrent assets plus other real estate owned to assets | 0.9977% | 1,828 |
| Noncurrent loans to loans | 0.9425% | 2,159 |
| Net loans and leases to total assets | 80.5832% | 757 |
| Net loans and leases to deposits | 95.1695% | 992 |
| Net loans and leases to core deposits | 109.5582% | 898 |
| Total domestic deposits to total assets | 84.6733% | 3,228 |
| Equity capital to assets | 10.0033% | 3,752 |
| Core capital (leverage) ratio | 9.8700% | 3,664 |
| Tier 1 risk-based capital ratio | 11.2254% | 5,188 |
| Total risk-based capital ratio | 12.2796% | 5,200 |
| Memoranda: | ||
| Average total assets | $378,645,500 | 1,821 |
| Average earning assets | $351,482,000 | 1,816 |
| Average equity | $38,074,000 | 1,957 |
| Average total loans | $310,050,500 | 1,531 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7052% | 1,052 |
| Cost of funding earning assets | 0.7849% | 543 |
| Net interest margin | 3.9203% | 1,897 |
| Noninterest income to average assets | 0.2167% | 5,117 |
| Noninterest expense to average assets | 3.2397% | 1,701 |
| Loan and lease loss provision to assets | -0.0074% | 5,482 |
| Net operating income to assets | 0.4144% | 4,894 |
| Return on assets (ROA) | 0.4240% | 4,947 |
| Pretax return on assets | 0.6967% | 4,496 |
| Return on Equity (ROE) | 4.7600% | 4,532 |
| Retained earnings to average equity (ytd only) | 3.6329% | 3,336 |
| Net charge-offs to loans | 0.1015% | 2,265 |
| Credit loss provision to net charge-offs | -8.9109% | 4,739 |
| Earnings coverage of net charge-offs (x) | 8.1353% | 2,917 |
| Efficiency ratio | 82.3805% | 1,160 |
| Assets per employee ($millions) | 4.6863% | 2,809 |
| Cash dividends to net income (ytd only)* | 23.6774% | 3,578 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0999% | 3,719 |
| Loan loss allowance to noncurrent loans | 118.0174% | 3,291 |
| Noncurrent assets plus other real estate owned to assets | 1.0344% | 1,828 |
| Noncurrent loans to loans | 0.9320% | 2,226 |
| Net loans and leases to total assets | 81.3801% | 688 |
| Net loans and leases to deposits | 95.5091% | 1,043 |
| Net loans and leases to core deposits | 110.4523% | 867 |
| Total domestic deposits to total assets | 85.2067% | 2,954 |
| Equity capital to assets | 10.1084% | 3,597 |
| Core capital (leverage) ratio | 9.6403% | 3,919 |
| Tier 1 risk-based capital ratio | 11.4029% | 5,112 |
| Total risk-based capital ratio | 12.4639% | 5,108 |
| Memoranda: | ||
| Average total assets | $365,563,800 | 1,827 |
| Average earning assets | $344,770,600 | 1,804 |
| Average equity | $32,563,200 | 2,201 |
| Average total loans | $298,635,600 | 1,520 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6938% | 1,080 |
| Cost of funding earning assets | 0.7906% | 533 |
| Net interest margin | 3.9032% | 1,967 |
| Noninterest income to average assets | 0.2202% | 5,147 |
| Noninterest expense to average assets | 3.2526% | 1,669 |
| Loan and lease loss provision to assets | 0.0448% | 3,345 |
| Net operating income to assets | 0.3604% | 5,144 |
| Return on assets (ROA) | 0.3733% | 5,191 |
| Pretax return on assets | 0.6292% | 4,803 |
| Return on Equity (ROE) | 4.3419% | 4,780 |
| Retained earnings to average equity (ytd only) | 3.0568% | 4,080 |
| Net charge-offs to loans | 0.0711% | 2,296 |
| Credit loss provision to net charge-offs | 77.2152% | 2,702 |
| Earnings coverage of net charge-offs (x) | 11.2722% | 2,501 |
| Efficiency ratio | 82.8510% | 1,091 |
| Assets per employee ($millions) | 4.6520% | 2,839 |
| Cash dividends to net income (ytd only)* | 29.5965% | 2,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2232% | 3,104 |
| Loan loss allowance to noncurrent loans | 103.0464% | 3,551 |
| Noncurrent assets plus other real estate owned to assets | 1.1976% | 1,662 |
| Noncurrent loans to loans | 1.1870% | 1,894 |
| Net loans and leases to total assets | 80.0007% | 898 |
| Net loans and leases to deposits | 92.1531% | 1,475 |
| Net loans and leases to core deposits | 115.9853% | 657 |
| Total domestic deposits to total assets | 86.8128% | 1,983 |
| Equity capital to assets | 8.5027% | 5,528 |
| Core capital (leverage) ratio | 8.0038% | 5,688 |
| Tier 1 risk-based capital ratio | 9.5019% | 5,878 |
| Total risk-based capital ratio | 10.6886% | 5,874 |
| Memoranda: | ||
| Average total assets | $363,228,250 | 1,846 |
| Average earning assets | $343,026,750 | 1,812 |
| Average equity | $31,229,750 | 2,286 |
| Average total loans | $296,171,500 | 1,537 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7759% | 930 |
| Cost of funding earning assets | 0.7903% | 518 |
| Net interest margin | 3.9856% | 1,686 |
| Noninterest income to average assets | 0.2421% | 5,038 |
| Noninterest expense to average assets | 3.2816% | 1,630 |
| Loan and lease loss provision to assets | -0.0444% | 5,820 |
| Net operating income to assets | 0.4852% | 4,741 |
| Return on assets (ROA) | 0.4852% | 4,840 |
| Pretax return on assets | 0.7622% | 4,412 |
| Return on Equity (ROE) | 5.6221% | 4,238 |
| Retained earnings to average equity (ytd only) | 4.8695% | 2,810 |
| Net charge-offs to loans | 0.0693% | 2,199 |
| Credit loss provision to net charge-offs | -78.4314% | 4,580 |
| Earnings coverage of net charge-offs (x) | 12.6765% | 2,172 |
| Efficiency ratio | 81.6491% | 1,312 |
| Assets per employee ($millions) | 4.7336% | 2,656 |
| Cash dividends to net income (ytd only)* | 13.3867% | 3,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 3,313 |
| Loan loss allowance to noncurrent loans | 203.6228% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 0.7950% | 2,603 |
| Noncurrent loans to loans | 0.5932% | 3,288 |
| Net loans and leases to total assets | 77.4468% | 1,262 |
| Net loans and leases to deposits | 89.5485% | 1,806 |
| Net loans and leases to core deposits | 106.3225% | 1,154 |
| Total domestic deposits to total assets | 86.4858% | 2,180 |
| Equity capital to assets | 8.4951% | 5,597 |
| Core capital (leverage) ratio | 8.0294% | 5,708 |
| Tier 1 risk-based capital ratio | 9.8255% | 5,892 |
| Total risk-based capital ratio | 10.9988% | 5,877 |
| Memoranda: | ||
| Average total assets | $360,250,000 | 1,861 |
| Average earning assets | $339,621,000 | 1,832 |
| Average equity | $31,091,670 | 2,301 |
| Average total loans | $294,422,000 | 1,544 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8432% | 776 |
| Cost of funding earning assets | 0.7673% | 584 |
| Net interest margin | 4.0759% | 1,412 |
| Noninterest income to average assets | 0.2060% | 5,263 |
| Noninterest expense to average assets | 3.3967% | 1,386 |
| Loan and lease loss provision to assets | -0.0905% | 5,981 |
| Net operating income to assets | 0.4720% | 4,733 |
| Return on assets (ROA) | 0.4720% | 4,827 |
| Pretax return on assets | 0.7357% | 4,399 |
| Return on Equity (ROE) | 5.4238% | 4,271 |
| Retained earnings to average equity (ytd only) | 4.6564% | 3,148 |
| Net charge-offs to loans | 0.1654% | 1,144 |
| Credit loss provision to net charge-offs | -65.5738% | 4,180 |
| Earnings coverage of net charge-offs (x) | 4.6721% | 2,400 |
| Efficiency ratio | 83.6460% | 1,192 |
| Assets per employee ($millions) | 4.6018% | 2,895 |
| Cash dividends to net income (ytd only)* | 14.1487% | 2,655 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 3,587 |
| Loan loss allowance to noncurrent loans | 167.6667% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 1.0463% | 2,119 |
| Noncurrent loans to loans | 0.7053% | 3,082 |
| Net loans and leases to total assets | 78.9344% | 960 |
| Net loans and leases to deposits | 91.7478% | 1,382 |
| Net loans and leases to core deposits | 109.3952% | 883 |
| Total domestic deposits to total assets | 86.0342% | 2,655 |
| Equity capital to assets | 8.3282% | 5,679 |
| Core capital (leverage) ratio | 8.2671% | 5,597 |
| Tier 1 risk-based capital ratio | 9.1676% | 6,048 |
| Total risk-based capital ratio | 10.2976% | 6,048 |
| Memoranda: | ||
| Average total assets | $353,397,500 | 1,892 |
| Average earning assets | $332,588,500 | 1,870 |
| Average equity | $30,753,500 | 2,320 |
| Average total loans | $295,054,500 | 1,541 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0543% | 566 |
| Cost of funding earning assets | 0.7837% | 540 |
| Net interest margin | 4.2706% | 1,023 |
| Noninterest income to average assets | 0.2258% | 5,245 |
| Noninterest expense to average assets | 3.5101% | 1,276 |
| Loan and lease loss provision to assets | -0.0845% | 5,824 |
| Net operating income to assets | 0.3991% | 5,054 |
| Return on assets (ROA) | 0.3991% | 5,133 |
| Pretax return on assets | 0.7394% | 4,402 |
| Return on Equity (ROE) | 4.2148% | 4,845 |
| Retained earnings to average equity (ytd only) | 3.4418% | 3,608 |
| Net charge-offs to loans | 0.0033% | 4,342 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,686 |
| Earnings coverage of net charge-offs (x) | 232.6667% | 307 |
| Efficiency ratio | 83.7639% | 1,199 |
| Assets per employee ($millions) | 4.0262% | 3,886 |
| Cash dividends to net income (ytd only)* | 18.3386% | 3,835 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2734% | 3,050 |
| Loan loss allowance to noncurrent loans | 172.1221% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 1.2440% | 1,724 |
| Noncurrent loans to loans | 0.7398% | 2,957 |
| Net loans and leases to total assets | 86.3744% | 204 |
| Net loans and leases to deposits | 101.3504% | 585 |
| Net loans and leases to core deposits | 120.8791% | 458 |
| Total domestic deposits to total assets | 85.2235% | 2,990 |
| Equity capital to assets | 9.1922% | 4,921 |
| Core capital (leverage) ratio | 8.5524% | 5,373 |
| Tier 1 risk-based capital ratio | 9.1696% | 6,092 |
| Total risk-based capital ratio | 10.3707% | 6,087 |
| Memoranda: | ||
| Average total assets | $319,706,400 | 2,047 |
| Average earning assets | $294,898,400 | 2,051 |
| Average equity | $30,274,600 | 2,304 |
| Average total loans | $271,940,400 | 1,604 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0285% | 582 |
| Cost of funding earning assets | 0.7853% | 537 |
| Net interest margin | 4.2431% | 1,068 |
| Noninterest income to average assets | 0.2898% | 4,872 |
| Noninterest expense to average assets | 3.4930% | 1,299 |
| Loan and lease loss provision to assets | -0.0717% | 5,959 |
| Net operating income to assets | 0.4079% | 5,137 |
| Return on assets (ROA) | 0.4079% | 5,229 |
| Pretax return on assets | 0.7656% | 4,443 |
| Return on Equity (ROE) | 4.2743% | 4,923 |
| Retained earnings to average equity (ytd only) | 3.4964% | 3,980 |
| Net charge-offs to loans | 0.0035% | 4,061 |
| Credit loss provision to net charge-offs | -2,428.5714% | 5,623 |
| Earnings coverage of net charge-offs (x) | 235.0782% | 305 |
| Efficiency ratio | 82.8934% | 1,280 |
| Assets per employee ($millions) | 4.1545% | 3,610 |
| Cash dividends to net income (ytd only)* | 18.2006% | 3,294 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3352% | 2,928 |
| Loan loss allowance to noncurrent loans | 183.9827% | 2,418 |
| Noncurrent assets plus other real estate owned to assets | 1.2778% | 1,830 |
| Noncurrent loans to loans | 0.7257% | 3,156 |
| Net loans and leases to total assets | 85.0418% | 302 |
| Net loans and leases to deposits | 99.0395% | 721 |
| Net loans and leases to core deposits | 117.9083% | 536 |
| Total domestic deposits to total assets | 85.8665% | 2,608 |
| Equity capital to assets | 9.1913% | 5,126 |
| Core capital (leverage) ratio | 8.0851% | 5,855 |
| Tier 1 risk-based capital ratio | 8.7425% | 6,202 |
| Total risk-based capital ratio | 10.0015% | 6,200 |
| Memoranda: | ||
| Average total assets | $316,089,750 | 2,082 |
| Average earning assets | $290,312,750 | 2,091 |
| Average equity | $30,163,750 | 2,324 |
| Average total loans | $266,834,750 | 1,647 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9664% | 629 |
| Cost of funding earning assets | 0.7818% | 553 |
| Net interest margin | 4.1847% | 1,136 |
| Noninterest income to average assets | 0.2768% | 4,965 |
| Noninterest expense to average assets | 3.5150% | 1,279 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.3451% | 5,310 |
| Return on assets (ROA) | 0.3451% | 5,415 |
| Pretax return on assets | 0.5903% | 5,002 |
| Return on Equity (ROE) | 3.5691% | 5,194 |
| Retained earnings to average equity (ytd only) | 2.7900% | 4,269 |
| Net charge-offs to loans | 0.0891% | 2,136 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 7.9052% | 2,612 |
| Efficiency ratio | 85.0714% | 1,144 |
| Assets per employee ($millions) | 4.1677% | 3,532 |
| Cash dividends to net income (ytd only)* | 21.8284% | 3,129 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3963% | 2,777 |
| Loan loss allowance to noncurrent loans | 116.5217% | 3,344 |
| Noncurrent assets plus other real estate owned to assets | 1.6994% | 1,398 |
| Noncurrent loans to loans | 1.1983% | 2,263 |
| Net loans and leases to total assets | 82.3058% | 524 |
| Net loans and leases to deposits | 99.3613% | 698 |
| Net loans and leases to core deposits | 118.8223% | 502 |
| Total domestic deposits to total assets | 82.8349% | 4,014 |
| Equity capital to assets | 9.0311% | 5,207 |
| Core capital (leverage) ratio | 8.2801% | 5,726 |
| Tier 1 risk-based capital ratio | 8.6249% | 6,276 |
| Total risk-based capital ratio | 9.8757% | 6,275 |
| Memoranda: | ||
| Average total assets | $310,666,670 | 2,118 |
| Average earning assets | $284,228,000 | 2,138 |
| Average equity | $30,035,670 | 2,337 |
| Average total loans | $260,290,000 | 1,684 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9467% | 623 |
| Cost of funding earning assets | 0.7759% | 574 |
| Net interest margin | 4.1708% | 1,129 |
| Noninterest income to average assets | 0.2245% | 5,348 |
| Noninterest expense to average assets | 3.6673% | 1,044 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2339% | 5,604 |
| Return on assets (ROA) | 0.2339% | 5,693 |
| Pretax return on assets | 0.4009% | 5,434 |
| Return on Equity (ROE) | 2.3335% | 5,597 |
| Retained earnings to average equity (ytd only) | 1.5468% | 4,855 |
| Net charge-offs to loans | 0.0764% | 1,939 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 6.2500% | 2,313 |
| Efficiency ratio | 89.5532% | 883 |
| Assets per employee ($millions) | 3.8677% | 4,218 |
| Cash dividends to net income (ytd only)* | 33.7143% | 2,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5330% | 2,307 |
| Loan loss allowance to noncurrent loans | 111.0051% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 1.9277% | 1,254 |
| Noncurrent loans to loans | 1.3811% | 2,079 |
| Net loans and leases to total assets | 83.1187% | 369 |
| Net loans and leases to deposits | 97.7875% | 692 |
| Net loans and leases to core deposits | 114.1282% | 577 |
| Total domestic deposits to total assets | 84.9993% | 3,404 |
| Equity capital to assets | 9.8804% | 4,290 |
| Core capital (leverage) ratio | 8.5335% | 5,489 |
| Tier 1 risk-based capital ratio | 8.9985% | 6,320 |
| Total risk-based capital ratio | 10.2509% | 6,308 |
| Memoranda: | ||
| Average total assets | $299,293,000 | 2,202 |
| Average earning assets | $275,820,000 | 2,205 |
| Average equity | $29,998,000 | 2,354 |
| Average total loans | $251,282,500 | 1,734 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1556% | 567 |
| Cost of funding earning assets | 0.7712% | 756 |
| Net interest margin | 4.3844% | 905 |
| Noninterest income to average assets | 0.1660% | 5,869 |
| Noninterest expense to average assets | 3.4105% | 1,678 |
| Loan and lease loss provision to assets | -0.0293% | 5,962 |
| Net operating income to assets | 2.6159% | 127 |
| Return on assets (ROA) | 2.6159% | 127 |
| Pretax return on assets | 0.8495% | 4,079 |
| Return on Equity (ROE) | 28.7751% | 68 |
| Retained earnings to average equity (ytd only) | 27.8842% | 31 |
| Net charge-offs to loans | -0.0070% | 5,508 |
| Credit loss provision to net charge-offs | 500.0000% | 518 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9203% | 1,942 |
| Assets per employee ($millions) | 3.9636% | 4,034 |
| Cash dividends to net income (ytd only)* | 3.0961% | 4,274 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6358% | 1,966 |
| Loan loss allowance to noncurrent loans | 96.0864% | 3,810 |
| Noncurrent assets plus other real estate owned to assets | 2.1183% | 1,168 |
| Noncurrent loans to loans | 1.7025% | 1,717 |
| Net loans and leases to total assets | 82.0451% | 516 |
| Net loans and leases to deposits | 101.4622% | 543 |
| Net loans and leases to core deposits | 112.3659% | 675 |
| Total domestic deposits to total assets | 80.8627% | 4,777 |
| Equity capital to assets | 10.2582% | 3,778 |
| Core capital (leverage) ratio | 9.0320% | 4,945 |
| Tier 1 risk-based capital ratio | 9.7675% | 6,307 |
| Total risk-based capital ratio | 11.0218% | 6,276 |
| Memoranda: | ||
| Average total assets | $272,866,400 | 2,339 |
| Average earning assets | $252,966,000 | 2,325 |
| Average equity | $24,806,200 | 2,685 |
| Average total loans | $228,177,200 | 1,837 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2211% | 498 |
| Cost of funding earning assets | 0.7782% | 774 |
| Net interest margin | 4.4428% | 828 |
| Noninterest income to average assets | 0.1544% | 5,990 |
| Noninterest expense to average assets | 3.3492% | 1,790 |
| Loan and lease loss provision to assets | -0.0398% | 6,152 |
| Net operating income to assets | 0.9755% | 2,568 |
| Return on assets (ROA) | 0.9755% | 2,639 |
| Pretax return on assets | 0.9755% | 3,692 |
| Return on Equity (ROE) | 11.1213% | 1,744 |
| Retained earnings to average equity (ytd only) | 10.1960% | 659 |
| Net charge-offs to loans | -0.1065% | 6,158 |
| Credit loss provision to net charge-offs | 44.6927% | 3,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.4433% | 2,277 |
| Assets per employee ($millions) | 3.7536% | 4,390 |
| Cash dividends to net income (ytd only)* | 8.3207% | 3,618 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8273% | 1,638 |
| Loan loss allowance to noncurrent loans | 135.1395% | 2,962 |
| Noncurrent assets plus other real estate owned to assets | 1.9770% | 1,460 |
| Noncurrent loans to loans | 1.3522% | 2,382 |
| Net loans and leases to total assets | 82.7973% | 432 |
| Net loans and leases to deposits | 96.6183% | 833 |
| Net loans and leases to core deposits | 104.1896% | 1,096 |
| Total domestic deposits to total assets | 85.6953% | 3,017 |
| Equity capital to assets | 9.1208% | 5,234 |
| Core capital (leverage) ratio | 9.1033% | 4,928 |
| Tier 1 risk-based capital ratio | 10.5340% | 6,201 |
| Total risk-based capital ratio | 11.7906% | 6,144 |
| Memoranda: | ||
| Average total assets | $267,756,250 | 2,388 |
| Average earning assets | $248,934,750 | 2,366 |
| Average equity | $23,485,750 | 2,808 |
| Average total loans | $224,060,000 | 1,877 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2069% | 503 |
| Cost of funding earning assets | 0.7791% | 792 |
| Net interest margin | 4.4278% | 811 |
| Noninterest income to average assets | 0.0607% | 6,410 |
| Noninterest expense to average assets | 3.3186% | 1,873 |
| Loan and lease loss provision to assets | -0.0599% | 6,313 |
| Net operating income to assets | 0.9156% | 2,728 |
| Return on assets (ROA) | 0.9156% | 2,830 |
| Pretax return on assets | 0.9156% | 3,825 |
| Return on Equity (ROE) | 10.5812% | 1,904 |
| Retained earnings to average equity (ytd only) | 9.6806% | 798 |
| Net charge-offs to loans | -0.1410% | 6,246 |
| Credit loss provision to net charge-offs | 50.9554% | 2,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7650% | 2,199 |
| Assets per employee ($millions) | 4.0573% | 3,717 |
| Cash dividends to net income (ytd only)* | 8.5106% | 3,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8618% | 1,672 |
| Loan loss allowance to noncurrent loans | 149.7289% | 2,726 |
| Noncurrent assets plus other real estate owned to assets | 1.8814% | 1,727 |
| Noncurrent loans to loans | 1.2434% | 2,740 |
| Net loans and leases to total assets | 81.5540% | 517 |
| Net loans and leases to deposits | 94.6045% | 912 |
| Net loans and leases to core deposits | 101.6751% | 1,159 |
| Total domestic deposits to total assets | 86.2051% | 2,930 |
| Equity capital to assets | 8.9510% | 5,354 |
| Core capital (leverage) ratio | 8.9208% | 5,134 |
| Tier 1 risk-based capital ratio | 10.5124% | 6,246 |
| Total risk-based capital ratio | 11.7698% | 6,191 |
| Memoranda: | ||
| Average total assets | $266,921,670 | 2,394 |
| Average earning assets | $247,981,000 | 2,376 |
| Average equity | $23,097,670 | 2,838 |
| Average total loans | $222,769,000 | 1,882 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1462% | 543 |
| Cost of funding earning assets | 0.7767% | 851 |
| Net interest margin | 4.3695% | 861 |
| Noninterest income to average assets | 0.1516% | 6,068 |
| Noninterest expense to average assets | 3.3157% | 1,912 |
| Loan and lease loss provision to assets | 0.0675% | 2,773 |
| Net operating income to assets | 0.8300% | 3,003 |
| Return on assets (ROA) | 0.8300% | 3,076 |
| Pretax return on assets | 0.8300% | 3,978 |
| Return on Equity (ROE) | 9.7608% | 2,128 |
| Retained earnings to average equity (ytd only) | 8.9666% | 1,261 |
| Net charge-offs to loans | -0.0969% | 6,103 |
| Credit loss provision to net charge-offs | -83.3333% | 4,813 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9480% | 2,481 |
| Assets per employee ($millions) | 4.1008% | 3,719 |
| Cash dividends to net income (ytd only)* | 8.1374% | 2,726 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8771% | 1,817 |
| Loan loss allowance to noncurrent loans | 115.5981% | 3,264 |
| Noncurrent assets plus other real estate owned to assets | 2.5628% | 1,233 |
| Noncurrent loans to loans | 1.6238% | 2,397 |
| Net loans and leases to total assets | 81.6818% | 377 |
| Net loans and leases to deposits | 94.3966% | 754 |
| Net loans and leases to core deposits | 101.4165% | 1,014 |
| Total domestic deposits to total assets | 86.5304% | 3,091 |
| Equity capital to assets | 8.6543% | 5,491 |
| Core capital (leverage) ratio | 8.5130% | 5,624 |
| Tier 1 risk-based capital ratio | 10.0106% | 6,474 |
| Total risk-based capital ratio | 11.2681% | 6,447 |
| Memoranda: | ||
| Average total assets | $266,492,000 | 2,407 |
| Average earning assets | $247,714,500 | 2,372 |
| Average equity | $22,662,000 | 2,871 |
| Average total loans | $222,889,000 | 1,879 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1648% | 690 |
| Cost of funding earning assets | 0.8625% | 896 |
| Net interest margin | 4.3023% | 1,103 |
| Noninterest income to average assets | -0.3993% | 6,786 |
| Noninterest expense to average assets | 3.2519% | 2,275 |
| Loan and lease loss provision to assets | 0.8481% | 240 |
| Net operating income to assets | -0.5374% | 6,502 |
| Return on assets (ROA) | -0.5374% | 6,511 |
| Pretax return on assets | -0.5374% | 6,497 |
| Return on Equity (ROE) | -6.1587% | 6,512 |
| Retained earnings to average equity (ytd only) | -6.7116% | 6,443 |
| Net charge-offs to loans | 1.3600% | 363 |
| Credit loss provision to net charge-offs | 76.3703% | 3,132 |
| Earnings coverage of net charge-offs (x) | 0.2797% | 4,990 |
| Efficiency ratio | 90.3219% | 998 |
| Assets per employee ($millions) | 4.3678% | 3,144 |
| Cash dividends to net income (ytd only)* | -8.9779% | 6,766 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8161% | 2,015 |
| Loan loss allowance to noncurrent loans | 106.9156% | 3,441 |
| Noncurrent assets plus other real estate owned to assets | 2.8919% | 1,104 |
| Noncurrent loans to loans | 1.6986% | 2,363 |
| Net loans and leases to total assets | 82.5061% | 366 |
| Net loans and leases to deposits | 96.0417% | 732 |
| Net loans and leases to core deposits | 103.2129% | 959 |
| Total domestic deposits to total assets | 85.9065% | 3,310 |
| Equity capital to assets | 8.3533% | 5,733 |
| Core capital (leverage) ratio | 8.2378% | 5,943 |
| Tier 1 risk-based capital ratio | 9.5428% | 6,597 |
| Total risk-based capital ratio | 10.7995% | 6,582 |
| Memoranda: | ||
| Average total assets | $269,439,000 | 2,351 |
| Average earning assets | $248,121,800 | 2,347 |
| Average equity | $23,511,600 | 2,771 |
| Average total loans | $220,000,600 | 1,862 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1264% | 739 |
| Cost of funding earning assets | 0.8846% | 884 |
| Net interest margin | 4.2418% | 1,219 |
| Noninterest income to average assets | -0.3958% | 6,861 |
| Noninterest expense to average assets | 3.2396% | 2,227 |
| Loan and lease loss provision to assets | 0.8132% | 236 |
| Net operating income to assets | -0.5512% | 6,619 |
| Return on assets (ROA) | -0.5512% | 6,629 |
| Pretax return on assets | -0.5512% | 6,615 |
| Return on Equity (ROE) | -6.2509% | 6,631 |
| Retained earnings to average equity (ytd only) | -6.7937% | 6,566 |
| Net charge-offs to loans | 1.4829% | 319 |
| Credit loss provision to net charge-offs | 67.6519% | 3,111 |
| Earnings coverage of net charge-offs (x) | 0.2180% | 4,792 |
| Efficiency ratio | 91.5163% | 884 |
| Assets per employee ($millions) | 4.3315% | 3,170 |
| Cash dividends to net income (ytd only)* | -8.6839% | 6,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7903% | 2,335 |
| Loan loss allowance to noncurrent loans | 97.5043% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 3.0158% | 1,227 |
| Noncurrent loans to loans | 1.8361% | 2,453 |
| Net loans and leases to total assets | 81.4019% | 413 |
| Net loans and leases to deposits | 93.8325% | 837 |
| Net loans and leases to core deposits | 100.5644% | 1,073 |
| Total domestic deposits to total assets | 86.7524% | 2,824 |
| Equity capital to assets | 8.5543% | 5,675 |
| Core capital (leverage) ratio | 8.4447% | 5,821 |
| Tier 1 risk-based capital ratio | 9.8385% | 6,630 |
| Total risk-based capital ratio | 11.0948% | 6,601 |
| Memoranda: | ||
| Average total assets | $270,190,000 | 2,362 |
| Average earning assets | $248,252,000 | 2,351 |
| Average equity | $23,825,500 | 2,774 |
| Average total loans | $219,028,000 | 1,868 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0404% | 858 |
| Cost of funding earning assets | 0.9069% | 867 |
| Net interest margin | 4.1335% | 1,453 |
| Noninterest income to average assets | -0.6405% | 6,917 |
| Noninterest expense to average assets | 3.2379% | 2,249 |
| Loan and lease loss provision to assets | 0.9219% | 208 |
| Net operating income to assets | -1.0091% | 6,757 |
| Return on assets (ROA) | -1.0091% | 6,760 |
| Pretax return on assets | -1.0091% | 6,738 |
| Return on Equity (ROE) | -11.3316% | 6,761 |
| Retained earnings to average equity (ytd only) | -11.8708% | 6,706 |
| Net charge-offs to loans | 1.8004% | 261 |
| Credit loss provision to net charge-offs | 63.6410% | 2,951 |
| Earnings coverage of net charge-offs (x) | -0.0602% | 4,569 |
| Efficiency ratio | 101.6647% | 439 |
| Assets per employee ($millions) | 4.4259% | 2,936 |
| Cash dividends to net income (ytd only)* | -4.7584% | 6,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8792% | 2,173 |
| Loan loss allowance to noncurrent loans | 104.3434% | 3,359 |
| Noncurrent assets plus other real estate owned to assets | 3.2125% | 1,233 |
| Noncurrent loans to loans | 1.8009% | 2,642 |
| Net loans and leases to total assets | 79.8308% | 554 |
| Net loans and leases to deposits | 91.1328% | 1,042 |
| Net loans and leases to core deposits | 97.3808% | 1,256 |
| Total domestic deposits to total assets | 87.5984% | 2,493 |
| Equity capital to assets | 8.4815% | 5,782 |
| Core capital (leverage) ratio | 8.2430% | 5,968 |
| Tier 1 risk-based capital ratio | 9.8024% | 6,676 |
| Total risk-based capital ratio | 11.0593% | 6,655 |
| Memoranda: | ||
| Average total assets | $270,735,000 | 2,365 |
| Average earning assets | $248,314,000 | 2,363 |
| Average equity | $24,109,670 | 2,760 |
| Average total loans | $217,839,330 | 1,875 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9336% | 1,002 |
| Cost of funding earning assets | 0.9373% | 826 |
| Net interest margin | 3.9963% | 1,805 |
| Noninterest income to average assets | 0.1259% | 6,470 |
| Noninterest expense to average assets | 3.0776% | 2,743 |
| Loan and lease loss provision to assets | 0.6044% | 418 |
| Net operating income to assets | 0.1127% | 6,122 |
| Return on assets (ROA) | 0.1127% | 6,216 |
| Pretax return on assets | 0.1127% | 6,238 |
| Return on Equity (ROE) | 1.2368% | 6,163 |
| Retained earnings to average equity (ytd only) | 0.7067% | 5,543 |
| Net charge-offs to loans | 0.6401% | 954 |
| Credit loss provision to net charge-offs | 118.0000% | 1,619 |
| Earnings coverage of net charge-offs (x) | 1.4000% | 3,366 |
| Efficiency ratio | 80.1774% | 2,313 |
| Assets per employee ($millions) | 4.8351% | 2,433 |
| Cash dividends to net income (ytd only)* | 42.8571% | 1,764 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2391% | 1,504 |
| Loan loss allowance to noncurrent loans | 53.1020% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 4.5896% | 814 |
| Noncurrent loans to loans | 4.2165% | 1,039 |
| Net loans and leases to total assets | 76.6139% | 763 |
| Net loans and leases to deposits | 87.7629% | 1,170 |
| Net loans and leases to core deposits | 94.6008% | 1,299 |
| Total domestic deposits to total assets | 87.2964% | 2,761 |
| Equity capital to assets | 9.0243% | 5,456 |
| Core capital (leverage) ratio | 8.7143% | 5,307 |
| Tier 1 risk-based capital ratio | 10.7901% | 6,489 |
| Total risk-based capital ratio | 12.0516% | 6,458 |
| Memoranda: | ||
| Average total assets | $273,325,500 | 2,361 |
| Average earning assets | $250,932,500 | 2,364 |
| Average equity | $24,903,000 | 2,713 |
| Average total loans | $218,732,000 | 1,876 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3140% | 902 |
| Cost of funding earning assets | 1.1459% | 750 |
| Net interest margin | 4.1681% | 1,750 |
| Noninterest income to average assets | 0.0029% | 6,814 |
| Noninterest expense to average assets | 2.8556% | 3,830 |
| Loan and lease loss provision to assets | 0.8572% | 544 |
| Net operating income to assets | 0.0786% | 6,047 |
| Return on assets (ROA) | 0.0786% | 6,187 |
| Pretax return on assets | 0.0786% | 6,185 |
| Return on Equity (ROE) | 0.8249% | 6,164 |
| Retained earnings to average equity (ytd only) | 0.2737% | 5,721 |
| Net charge-offs to loans | 0.8939% | 1,275 |
| Credit loss provision to net charge-offs | 120.7653% | 2,372 |
| Earnings coverage of net charge-offs (x) | 1.3184% | 4,806 |
| Efficiency ratio | 74.3242% | 3,019 |
| Assets per employee ($millions) | 4.5175% | 2,928 |
| Cash dividends to net income (ytd only)* | 66.8203% | 1,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1550% | 1,641 |
| Loan loss allowance to noncurrent loans | 56.1926% | 4,824 |
| Noncurrent assets plus other real estate owned to assets | 4.6718% | 872 |
| Noncurrent loans to loans | 3.8351% | 1,261 |
| Net loans and leases to total assets | 79.9506% | 475 |
| Net loans and leases to deposits | 92.6649% | 856 |
| Net loans and leases to core deposits | 102.5172% | 860 |
| Total domestic deposits to total assets | 86.2793% | 3,216 |
| Equity capital to assets | 9.1994% | 5,269 |
| Core capital (leverage) ratio | 8.6098% | 5,447 |
| Tier 1 risk-based capital ratio | 10.5988% | 6,516 |
| Total risk-based capital ratio | 11.8595% | 6,475 |
| Memoranda: | ||
| Average total assets | $276,128,600 | 2,298 |
| Average earning assets | $250,977,400 | 2,313 |
| Average equity | $26,305,400 | 2,541 |
| Average total loans | $219,265,600 | 1,845 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2960% | 1,023 |
| Cost of funding earning assets | 1.1785% | 764 |
| Net interest margin | 4.1175% | 2,027 |
| Noninterest income to average assets | 0.2182% | 5,981 |
| Noninterest expense to average assets | 2.9247% | 3,498 |
| Loan and lease loss provision to assets | 0.6090% | 894 |
| Net operating income to assets | 0.4259% | 5,135 |
| Return on assets (ROA) | 0.4259% | 5,374 |
| Pretax return on assets | 0.4259% | 5,655 |
| Return on Equity (ROE) | 4.4330% | 5,081 |
| Retained earnings to average equity (ytd only) | 3.9326% | 4,115 |
| Net charge-offs to loans | 0.7620% | 1,449 |
| Credit loss provision to net charge-offs | 101.3600% | 2,906 |
| Earnings coverage of net charge-offs (x) | 1.7224% | 4,409 |
| Efficiency ratio | 72.8939% | 3,167 |
| Assets per employee ($millions) | 5.0565% | 2,111 |
| Cash dividends to net income (ytd only)* | 11.2867% | 3,377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9592% | 2,292 |
| Loan loss allowance to noncurrent loans | 73.5773% | 4,087 |
| Noncurrent assets plus other real estate owned to assets | 3.5598% | 1,406 |
| Noncurrent loans to loans | 2.6627% | 2,126 |
| Net loans and leases to total assets | 77.4583% | 795 |
| Net loans and leases to deposits | 90.9571% | 1,053 |
| Net loans and leases to core deposits | 100.4203% | 1,092 |
| Total domestic deposits to total assets | 85.1591% | 3,683 |
| Equity capital to assets | 9.5270% | 5,166 |
| Core capital (leverage) ratio | 9.1360% | 4,854 |
| Tier 1 risk-based capital ratio | 11.1560% | 6,414 |
| Total risk-based capital ratio | 12.4138% | 6,384 |
| Memoranda: | ||
| Average total assets | $277,398,000 | 2,317 |
| Average earning assets | $252,058,250 | 2,334 |
| Average equity | $26,648,000 | 2,533 |
| Average total loans | $218,712,000 | 1,861 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2621% | 1,117 |
| Cost of funding earning assets | 1.2152% | 769 |
| Net interest margin | 4.0468% | 2,308 |
| Noninterest income to average assets | 0.3086% | 5,347 |
| Noninterest expense to average assets | 2.8148% | 3,959 |
| Loan and lease loss provision to assets | 0.5046% | 1,252 |
| Net operating income to assets | 0.6955% | 3,892 |
| Return on assets (ROA) | 0.6955% | 4,156 |
| Pretax return on assets | 0.6955% | 4,842 |
| Return on Equity (ROE) | 7.2197% | 3,660 |
| Retained earnings to average equity (ytd only) | 6.8429% | 2,190 |
| Net charge-offs to loans | 0.4856% | 2,133 |
| Credit loss provision to net charge-offs | 131.8786% | 2,079 |
| Earnings coverage of net charge-offs (x) | 3.1366% | 3,489 |
| Efficiency ratio | 69.1501% | 3,906 |
| Assets per employee ($millions) | 5.0684% | 2,077 |
| Cash dividends to net income (ytd only)* | 5.2192% | 3,422 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0299% | 2,152 |
| Loan loss allowance to noncurrent loans | 67.2800% | 4,311 |
| Noncurrent assets plus other real estate owned to assets | 4.0824% | 1,235 |
| Noncurrent loans to loans | 3.0172% | 1,955 |
| Net loans and leases to total assets | 77.0964% | 835 |
| Net loans and leases to deposits | 91.2203% | 1,027 |
| Net loans and leases to core deposits | 101.1024% | 1,035 |
| Total domestic deposits to total assets | 84.5167% | 4,092 |
| Equity capital to assets | 9.5142% | 5,034 |
| Core capital (leverage) ratio | 9.3272% | 4,416 |
| Tier 1 risk-based capital ratio | 11.2003% | 6,404 |
| Total risk-based capital ratio | 12.4589% | 6,377 |
| Memoranda: | ||
| Average total assets | $275,476,000 | 2,333 |
| Average earning assets | $252,296,670 | 2,337 |
| Average equity | $26,538,330 | 2,530 |
| Average total loans | $217,043,670 | 1,879 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3164% | 1,064 |
| Cost of funding earning assets | 1.2747% | 701 |
| Net interest margin | 4.0417% | 2,323 |
| Noninterest income to average assets | 0.2978% | 5,490 |
| Noninterest expense to average assets | 2.8043% | 4,010 |
| Loan and lease loss provision to assets | 0.3303% | 1,895 |
| Net operating income to assets | 0.8610% | 3,099 |
| Return on assets (ROA) | 0.8610% | 3,332 |
| Pretax return on assets | 0.8610% | 4,188 |
| Return on Equity (ROE) | 8.8803% | 2,877 |
| Retained earnings to average equity (ytd only) | 8.8803% | 1,629 |
| Net charge-offs to loans | 0.3235% | 2,358 |
| Credit loss provision to net charge-offs | 129.4798% | 1,874 |
| Earnings coverage of net charge-offs (x) | 4.6705% | 2,523 |
| Efficiency ratio | 69.1882% | 3,950 |
| Assets per employee ($millions) | 4.9364% | 2,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0273% | 2,277 |
| Loan loss allowance to noncurrent loans | 70.2114% | 4,032 |
| Noncurrent assets plus other real estate owned to assets | 3.8620% | 1,443 |
| Noncurrent loans to loans | 2.8874% | 2,233 |
| Net loans and leases to total assets | 77.2176% | 675 |
| Net loans and leases to deposits | 92.0379% | 795 |
| Net loans and leases to core deposits | 103.1228% | 805 |
| Total domestic deposits to total assets | 83.8976% | 4,544 |
| Equity capital to assets | 9.6101% | 4,635 |
| Core capital (leverage) ratio | 9.4857% | 4,070 |
| Tier 1 risk-based capital ratio | 11.3534% | 6,360 |
| Total risk-based capital ratio | 12.6120% | 6,336 |
| Memoranda: | ||
| Average total assets | $271,299,500 | 2,372 |
| Average earning assets | $248,212,000 | 2,379 |
| Average equity | $26,305,500 | 2,548 |
| Average total loans | $213,887,500 | 1,915 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2633% | 1,822 |
| Cost of funding earning assets | 1.6393% | 410 |
| Net interest margin | 3.6239% | 4,639 |
| Noninterest income to average assets | -0.2282% | 7,169 |
| Noninterest expense to average assets | 2.8433% | 4,189 |
| Loan and lease loss provision to assets | 1.0044% | 943 |
| Net operating income to assets | -0.7766% | 6,646 |
| Return on assets (ROA) | -0.7766% | 6,677 |
| Pretax return on assets | -0.7766% | 6,637 |
| Return on Equity (ROE) | -8.0913% | 6,682 |
| Retained earnings to average equity (ytd only) | -8.4748% | 6,644 |
| Net charge-offs to loans | 1.0790% | 1,600 |
| Credit loss provision to net charge-offs | 123.3168% | 2,555 |
| Earnings coverage of net charge-offs (x) | 0.2797% | 5,619 |
| Efficiency ratio | 91.1913% | 1,104 |
| Assets per employee ($millions) | 4.6695% | 2,652 |
| Cash dividends to net income (ytd only)* | -4.7393% | 7,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0800% | 2,068 |
| Loan loss allowance to noncurrent loans | 69.3126% | 4,088 |
| Noncurrent assets plus other real estate owned to assets | 3.9713% | 1,446 |
| Noncurrent loans to loans | 3.0010% | 2,164 |
| Net loans and leases to total assets | 77.2214% | 802 |
| Net loans and leases to deposits | 91.6719% | 997 |
| Net loans and leases to core deposits | 102.9508% | 969 |
| Total domestic deposits to total assets | 84.2367% | 4,222 |
| Equity capital to assets | 9.7854% | 4,459 |
| Core capital (leverage) ratio | 9.3246% | 4,290 |
| Tier 1 risk-based capital ratio | 11.4895% | 6,163 |
| Total risk-based capital ratio | 12.7487% | 6,147 |
| Memoranda: | ||
| Average total assets | $271,695,800 | 2,324 |
| Average earning assets | $247,355,600 | 2,331 |
| Average equity | $26,077,400 | 2,473 |
| Average total loans | $205,104,800 | 1,994 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2497% | 2,033 |
| Cost of funding earning assets | 1.7177% | 370 |
| Net interest margin | 3.5320% | 5,055 |
| Noninterest income to average assets | 0.1631% | 6,431 |
| Noninterest expense to average assets | 2.8089% | 4,308 |
| Loan and lease loss provision to assets | 0.9247% | 955 |
| Net operating income to assets | -0.3579% | 6,552 |
| Return on assets (ROA) | -0.3579% | 6,607 |
| Pretax return on assets | -0.3579% | 6,538 |
| Return on Equity (ROE) | -3.7466% | 6,613 |
| Retained earnings to average equity (ytd only) | -4.2577% | 6,533 |
| Net charge-offs to loans | 1.1999% | 1,306 |
| Credit loss provision to net charge-offs | 103.2153% | 3,226 |
| Earnings coverage of net charge-offs (x) | 0.6327% | 5,155 |
| Efficiency ratio | 81.9207% | 1,990 |
| Assets per employee ($millions) | 4.8230% | 2,437 |
| Cash dividends to net income (ytd only)* | -13.6425% | 7,358 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9118% | 2,583 |
| Loan loss allowance to noncurrent loans | 62.8154% | 4,330 |
| Noncurrent assets plus other real estate owned to assets | 4.4322% | 1,355 |
| Noncurrent loans to loans | 3.0435% | 2,278 |
| Net loans and leases to total assets | 74.2577% | 1,291 |
| Net loans and leases to deposits | 88.4078% | 1,383 |
| Net loans and leases to core deposits | 99.9960% | 1,245 |
| Total domestic deposits to total assets | 83.9945% | 4,232 |
| Equity capital to assets | 10.1500% | 4,153 |
| Core capital (leverage) ratio | 9.5922% | 4,008 |
| Tier 1 risk-based capital ratio | 12.2344% | 5,717 |
| Total risk-based capital ratio | 13.4912% | 5,695 |
| Memoranda: | ||
| Average total assets | $273,079,250 | 2,333 |
| Average earning assets | $248,387,500 | 2,334 |
| Average equity | $26,085,500 | 2,471 |
| Average total loans | $203,906,000 | 2,030 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2011% | 2,253 |
| Cost of funding earning assets | 1.7484% | 391 |
| Net interest margin | 3.4527% | 5,354 |
| Noninterest income to average assets | 0.1554% | 6,541 |
| Noninterest expense to average assets | 2.8124% | 4,378 |
| Loan and lease loss provision to assets | 1.2975% | 572 |
| Net operating income to assets | -0.8129% | 6,876 |
| Return on assets (ROA) | -0.8129% | 6,884 |
| Pretax return on assets | -0.8129% | 6,830 |
| Return on Equity (ROE) | -8.6886% | 6,889 |
| Retained earnings to average equity (ytd only) | -9.4686% | 6,857 |
| Net charge-offs to loans | 1.6356% | 888 |
| Credit loss provision to net charge-offs | 106.7227% | 2,889 |
| Earnings coverage of net charge-offs (x) | 0.3986% | 5,004 |
| Efficiency ratio | 83.9973% | 1,810 |
| Assets per employee ($millions) | 5.0435% | 2,067 |
| Cash dividends to net income (ytd only)* | -8.9767% | 7,443 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9211% | 2,606 |
| Loan loss allowance to noncurrent loans | 60.3412% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 4.4266% | 1,427 |
| Noncurrent loans to loans | 3.1837% | 2,253 |
| Net loans and leases to total assets | 72.9214% | 1,608 |
| Net loans and leases to deposits | 86.7294% | 1,686 |
| Net loans and leases to core deposits | 102.0493% | 1,174 |
| Total domestic deposits to total assets | 84.0792% | 4,310 |
| Equity capital to assets | 9.6546% | 4,594 |
| Core capital (leverage) ratio | 9.4016% | 4,108 |
| Tier 1 risk-based capital ratio | 11.9526% | 5,821 |
| Total risk-based capital ratio | 13.2104% | 5,793 |
| Memoranda: | ||
| Average total assets | $274,076,000 | 2,335 |
| Average earning assets | $249,370,670 | 2,335 |
| Average equity | $25,642,670 | 2,495 |
| Average total loans | $203,717,670 | 2,048 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2153% | 2,168 |
| Cost of funding earning assets | 1.7885% | 392 |
| Net interest margin | 3.4269% | 5,315 |
| Noninterest income to average assets | 0.0969% | 6,929 |
| Noninterest expense to average assets | 2.9807% | 3,727 |
| Loan and lease loss provision to assets | 0.8091% | 1,041 |
| Net operating income to assets | -0.5756% | 6,854 |
| Return on assets (ROA) | -0.5756% | 6,856 |
| Pretax return on assets | -0.5756% | 6,800 |
| Return on Equity (ROE) | -6.2536% | 6,880 |
| Retained earnings to average equity (ytd only) | -7.0513% | 6,680 |
| Net charge-offs to loans | 1.2763% | 1,083 |
| Credit loss provision to net charge-offs | 85.2941% | 3,031 |
| Earnings coverage of net charge-offs (x) | 0.2461% | 4,427 |
| Efficiency ratio | 91.3659% | 1,215 |
| Assets per employee ($millions) | 5.1287% | 1,991 |
| Cash dividends to net income (ytd only)* | -12.7551% | 7,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8699% | 2,790 |
| Loan loss allowance to noncurrent loans | 56.0364% | 4,649 |
| Noncurrent assets plus other real estate owned to assets | 4.1293% | 1,608 |
| Noncurrent loans to loans | 3.3370% | 2,249 |
| Net loans and leases to total assets | 71.1516% | 1,891 |
| Net loans and leases to deposits | 84.8453% | 1,903 |
| Net loans and leases to core deposits | 99.8318% | 1,353 |
| Total domestic deposits to total assets | 83.8603% | 4,544 |
| Equity capital to assets | 9.8393% | 3,976 |
| Core capital (leverage) ratio | 9.7321% | 3,483 |
| Tier 1 risk-based capital ratio | 12.6686% | 5,099 |
| Total risk-based capital ratio | 13.9252% | 5,066 |
| Memoranda: | ||
| Average total assets | $272,418,000 | 2,365 |
| Average earning assets | $247,807,000 | 2,373 |
| Average equity | $25,073,500 | 2,535 |
| Average total loans | $202,456,500 | 2,086 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7980% | 1,281 |
| Cost of funding earning assets | 1.8740% | 929 |
| Net interest margin | 3.9239% | 3,379 |
| Noninterest income to average assets | 0.1395% | 6,694 |
| Noninterest expense to average assets | 2.6322% | 5,288 |
| Loan and lease loss provision to assets | 0.9901% | 1,639 |
| Net operating income to assets | 0.0816% | 5,636 |
| Return on assets (ROA) | 0.0816% | 5,770 |
| Pretax return on assets | 0.0816% | 5,736 |
| Return on Equity (ROE) | 0.9790% | 5,703 |
| Retained earnings to average equity (ytd only) | 0.0930% | 5,542 |
| Net charge-offs to loans | 0.9606% | 2,255 |
| Credit loss provision to net charge-offs | 131.1339% | 3,023 |
| Earnings coverage of net charge-offs (x) | 1.4194% | 4,696 |
| Efficiency ratio | 69.7918% | 4,219 |
| Assets per employee ($millions) | 4.8706% | 2,325 |
| Cash dividends to net income (ytd only)* | 90.4977% | 557 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8863% | 2,600 |
| Loan loss allowance to noncurrent loans | 79.9087% | 3,537 |
| Noncurrent assets plus other real estate owned to assets | 3.6355% | 1,894 |
| Noncurrent loans to loans | 2.3606% | 3,162 |
| Net loans and leases to total assets | 74.7533% | 1,532 |
| Net loans and leases to deposits | 87.9603% | 1,796 |
| Net loans and leases to core deposits | 98.8533% | 1,716 |
| Total domestic deposits to total assets | 84.9853% | 3,852 |
| Equity capital to assets | 8.5473% | 5,799 |
| Core capital (leverage) ratio | 8.2585% | 5,743 |
| Tier 1 risk-based capital ratio | 10.4830% | 6,712 |
| Total risk-based capital ratio | 11.7395% | 6,686 |
| Memoranda: | ||
| Average total assets | $270,986,000 | 2,353 |
| Average earning assets | $246,155,800 | 2,370 |
| Average equity | $22,573,200 | 2,816 |
| Average total loans | $212,989,600 | 2,036 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8646% | 1,217 |
| Cost of funding earning assets | 1.8905% | 1,063 |
| Net interest margin | 3.9742% | 3,217 |
| Noninterest income to average assets | 0.2360% | 6,201 |
| Noninterest expense to average assets | 2.5988% | 5,328 |
| Loan and lease loss provision to assets | 0.9381% | 1,607 |
| Net operating income to assets | 0.3110% | 5,120 |
| Return on assets (ROA) | 0.3110% | 5,295 |
| Pretax return on assets | 0.3110% | 5,475 |
| Return on Equity (ROE) | 3.7582% | 4,889 |
| Retained earnings to average equity (ytd only) | 2.8691% | 4,412 |
| Net charge-offs to loans | 0.9968% | 2,009 |
| Credit loss provision to net charge-offs | 118.8316% | 3,487 |
| Earnings coverage of net charge-offs (x) | 1.5823% | 4,534 |
| Efficiency ratio | 66.3012% | 4,800 |
| Assets per employee ($millions) | 5.0737% | 2,088 |
| Cash dividends to net income (ytd only)* | 23.6600% | 2,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6627% | 3,282 |
| Loan loss allowance to noncurrent loans | 75.5317% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 3.7013% | 1,923 |
| Noncurrent loans to loans | 2.2013% | 3,443 |
| Net loans and leases to total assets | 77.3307% | 1,156 |
| Net loans and leases to deposits | 91.7189% | 1,488 |
| Net loans and leases to core deposits | 103.1447% | 1,556 |
| Total domestic deposits to total assets | 84.3127% | 3,954 |
| Equity capital to assets | 8.4108% | 6,379 |
| Core capital (leverage) ratio | 7.9782% | 6,380 |
| Tier 1 risk-based capital ratio | 9.9241% | 7,103 |
| Total risk-based capital ratio | 11.1782% | 7,092 |
| Memoranda: | ||
| Average total assets | $271,761,250 | 2,379 |
| Average earning assets | $246,989,500 | 2,403 |
| Average equity | $22,492,250 | 2,864 |
| Average total loans | $215,211,250 | 2,042 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8816% | 1,228 |
| Cost of funding earning assets | 1.9103% | 1,204 |
| Net interest margin | 3.9713% | 3,152 |
| Noninterest income to average assets | 0.4158% | 4,792 |
| Noninterest expense to average assets | 2.7641% | 4,641 |
| Loan and lease loss provision to assets | 0.5786% | 2,459 |
| Net operating income to assets | 0.6864% | 3,463 |
| Return on assets (ROA) | 0.6864% | 3,609 |
| Pretax return on assets | 0.6864% | 4,286 |
| Return on Equity (ROE) | 8.3383% | 2,741 |
| Retained earnings to average equity (ytd only) | 7.4474% | 1,654 |
| Net charge-offs to loans | 0.7345% | 2,393 |
| Credit loss provision to net charge-offs | 99.2453% | 4,139 |
| Earnings coverage of net charge-offs (x) | 2.1698% | 3,933 |
| Efficiency ratio | 67.4190% | 4,687 |
| Assets per employee ($millions) | 5.0834% | 2,075 |
| Cash dividends to net income (ytd only)* | 10.6838% | 3,149 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5051% | 3,906 |
| Loan loss allowance to noncurrent loans | 55.5922% | 4,595 |
| Noncurrent assets plus other real estate owned to assets | 3.8280% | 1,815 |
| Noncurrent loans to loans | 2.7073% | 2,946 |
| Net loans and leases to total assets | 76.4323% | 1,409 |
| Net loans and leases to deposits | 90.5067% | 1,770 |
| Net loans and leases to core deposits | 103.9116% | 1,649 |
| Total domestic deposits to total assets | 84.4494% | 3,896 |
| Equity capital to assets | 8.3708% | 6,326 |
| Core capital (leverage) ratio | 8.0926% | 6,134 |
| Tier 1 risk-based capital ratio | 9.8886% | 7,083 |
| Total risk-based capital ratio | 11.1408% | 7,059 |
| Memoranda: | ||
| Average total assets | $272,713,330 | 2,389 |
| Average earning assets | $248,131,330 | 2,413 |
| Average equity | $22,450,670 | 2,866 |
| Average total loans | $216,461,000 | 2,065 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9706% | 1,031 |
| Cost of funding earning assets | 1.9271% | 1,335 |
| Net interest margin | 4.0434% | 2,681 |
| Noninterest income to average assets | 0.4591% | 4,386 |
| Noninterest expense to average assets | 2.7180% | 4,821 |
| Loan and lease loss provision to assets | 0.7564% | 1,682 |
| Net operating income to assets | 0.6651% | 3,589 |
| Return on assets (ROA) | 0.6651% | 3,701 |
| Pretax return on assets | 0.6651% | 4,357 |
| Return on Equity (ROE) | 8.1489% | 2,809 |
| Retained earnings to average equity (ytd only) | 6.9049% | 2,176 |
| Net charge-offs to loans | 1.3420% | 1,281 |
| Credit loss provision to net charge-offs | 70.2186% | 4,097 |
| Earnings coverage of net charge-offs (x) | 1.3197% | 3,956 |
| Efficiency ratio | 64.5219% | 5,383 |
| Assets per employee ($millions) | 5.1825% | 1,985 |
| Cash dividends to net income (ytd only)* | 15.2655% | 2,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3813% | 4,512 |
| Loan loss allowance to noncurrent loans | 35.8597% | 5,985 |
| Noncurrent assets plus other real estate owned to assets | 4.9015% | 1,324 |
| Noncurrent loans to loans | 3.8520% | 2,059 |
| Net loans and leases to total assets | 77.8498% | 1,181 |
| Net loans and leases to deposits | 91.9659% | 1,617 |
| Net loans and leases to core deposits | 107.6600% | 1,447 |
| Total domestic deposits to total assets | 84.6507% | 3,829 |
| Equity capital to assets | 8.1560% | 6,488 |
| Core capital (leverage) ratio | 7.9386% | 6,328 |
| Tier 1 risk-based capital ratio | 9.4776% | 7,315 |
| Total risk-based capital ratio | 10.7280% | 7,311 |
| Memoranda: | ||
| Average total assets | $271,818,500 | 2,457 |
| Average earning assets | $247,412,500 | 2,475 |
| Average equity | $22,187,000 | 2,919 |
| Average total loans | $218,184,000 | 2,092 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8545% | 2,423 |
| Cost of funding earning assets | 2.4780% | 1,078 |
| Net interest margin | 3.3765% | 5,461 |
| Noninterest income to average assets | 0.4869% | 4,511 |
| Noninterest expense to average assets | 3.8871% | 1,524 |
| Loan and lease loss provision to assets | 0.9960% | 2,283 |
| Net operating income to assets | -1.2814% | 6,752 |
| Return on assets (ROA) | -1.2814% | 6,757 |
| Pretax return on assets | -1.2814% | 6,587 |
| Return on Equity (ROE) | -12.4800% | 6,798 |
| Retained earnings to average equity (ytd only) | -13.7439% | 6,795 |
| Net charge-offs to loans | 0.6979% | 3,090 |
| Credit loss provision to net charge-offs | 168.1211% | 2,558 |
| Earnings coverage of net charge-offs (x) | -0.4817% | 6,679 |
| Efficiency ratio | 107.6022% | 851 |
| Assets per employee ($millions) | 5.1724% | 1,978 |
| Cash dividends to net income (ytd only)* | -10.1276% | 7,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4635% | 3,914 |
| Loan loss allowance to noncurrent loans | 39.4040% | 5,782 |
| Noncurrent assets plus other real estate owned to assets | 4.6864% | 1,358 |
| Noncurrent loans to loans | 3.7141% | 2,027 |
| Net loans and leases to total assets | 80.4299% | 918 |
| Net loans and leases to deposits | 95.7835% | 1,357 |
| Net loans and leases to core deposits | 131.1735% | 1,221 |
| Total domestic deposits to total assets | 83.9705% | 4,038 |
| Equity capital to assets | 8.1690% | 6,378 |
| Core capital (leverage) ratio | 8.4713% | 5,320 |
| Tier 1 risk-based capital ratio | 9.2906% | 7,339 |
| Total risk-based capital ratio | 10.5430% | 7,331 |
| Memoranda: | ||
| Average total assets | $189,551,000 | 3,291 |
| Average earning assets | $174,855,600 | 3,282 |
| Average equity | $19,463,200 | 3,283 |
| Average total loans | $160,919,400 | 2,748 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5811% | 3,968 |
| Cost of funding earning assets | 2.6230% | 979 |
| Net interest margin | 2.9582% | 6,711 |
| Noninterest income to average assets | 0.5256% | 4,276 |
| Noninterest expense to average assets | 3.3046% | 2,906 |
| Loan and lease loss provision to assets | 0.7503% | 2,493 |
| Net operating income to assets | -0.7904% | 6,683 |
| Return on assets (ROA) | -0.7904% | 6,687 |
| Pretax return on assets | -0.7904% | 6,536 |
| Return on Equity (ROE) | -7.1209% | 6,673 |
| Retained earnings to average equity (ytd only) | -8.3738% | 6,644 |
| Net charge-offs to loans | 0.9863% | 1,995 |
| Credit loss provision to net charge-offs | 88.2625% | 5,528 |
| Earnings coverage of net charge-offs (x) | -0.0471% | 6,125 |
| Efficiency ratio | 101.2274% | 1,011 |
| Assets per employee ($millions) | 3.9843% | 3,763 |
| Cash dividends to net income (ytd only)* | -17.5941% | 7,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5721% | 3,110 |
| Loan loss allowance to noncurrent loans | 111.8497% | 2,520 |
| Noncurrent assets plus other real estate owned to assets | 2.6793% | 2,601 |
| Noncurrent loans to loans | 1.4055% | 4,563 |
| Net loans and leases to total assets | 82.9285% | 677 |
| Net loans and leases to deposits | 104.0963% | 769 |
| Net loans and leases to core deposits | 137.0210% | 1,052 |
| Total domestic deposits to total assets | 79.6652% | 5,571 |
| Equity capital to assets | 10.9013% | 3,114 |
| Core capital (leverage) ratio | 10.8849% | 2,495 |
| Tier 1 risk-based capital ratio | 12.0403% | 4,935 |
| Total risk-based capital ratio | 13.2933% | 4,874 |
| Memoranda: | ||
| Average total assets | $169,697,000 | 3,630 |
| Average earning assets | $157,120,250 | 3,596 |
| Average equity | $18,836,000 | 3,395 |
| Average total loans | $146,263,500 | 3,011 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5475% | 4,347 |
| Cost of funding earning assets | 2.6641% | 1,129 |
| Net interest margin | 2.8834% | 6,840 |
| Noninterest income to average assets | 0.5577% | 3,974 |
| Noninterest expense to average assets | 3.2510% | 3,153 |
| Loan and lease loss provision to assets | 0.3361% | 3,926 |
| Net operating income to assets | -0.1966% | 6,182 |
| Return on assets (ROA) | -0.1966% | 6,209 |
| Pretax return on assets | -0.3504% | 6,283 |
| Return on Equity (ROE) | -1.7605% | 6,186 |
| Retained earnings to average equity (ytd only) | -2.9236% | 5,959 |
| Net charge-offs to loans | 0.0192% | 6,248 |
| Credit loss provision to net charge-offs | 2,014.2857% | 260 |
| Earnings coverage of net charge-offs (x) | -0.8571% | 6,196 |
| Efficiency ratio | 100.4418% | 1,154 |
| Assets per employee ($millions) | 3.8959% | 3,879 |
| Cash dividends to net income (ytd only)* | -66.0606% | 8,036 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8501% | 1,910 |
| Loan loss allowance to noncurrent loans | 83.2618% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 2.5878% | 2,487 |
| Noncurrent loans to loans | 2.2220% | 3,231 |
| Net loans and leases to total assets | 84.0561% | 627 |
| Net loans and leases to deposits | 106.5850% | 734 |
| Net loans and leases to core deposits | 138.7646% | 1,067 |
| Total domestic deposits to total assets | 78.8630% | 5,848 |
| Equity capital to assets | 11.6147% | 2,459 |
| Core capital (leverage) ratio | 11.6288% | 2,023 |
| Tier 1 risk-based capital ratio | 12.6609% | 4,386 |
| Total risk-based capital ratio | 13.9120% | 4,306 |
| Memoranda: | ||
| Average total assets | $167,826,000 | 3,679 |
| Average earning assets | $155,926,670 | 3,633 |
| Average equity | $18,744,330 | 3,433 |
| Average total loans | $145,783,330 | 3,053 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5748% | 4,499 |
| Cost of funding earning assets | 2.7303% | 1,180 |
| Net interest margin | 2.8445% | 6,889 |
| Noninterest income to average assets | 0.6119% | 3,463 |
| Noninterest expense to average assets | 3.1922% | 3,019 |
| Loan and lease loss provision to assets | 0.0578% | 6,237 |
| Net operating income to assets | 0.0024% | 6,245 |
| Return on assets (ROA) | 0.0024% | 6,398 |
| Pretax return on assets | 0.0024% | 6,372 |
| Return on Equity (ROE) | 0.0220% | 6,403 |
| Retained earnings to average equity (ytd only) | -0.8810% | 5,859 |
| Net charge-offs to loans | 0.0165% | 5,344 |
| Credit loss provision to net charge-offs | 400.0000% | 1,293 |
| Earnings coverage of net charge-offs (x) | 4.1667% | 2,955 |
| Efficiency ratio | 98.1481% | 1,207 |
| Assets per employee ($millions) | 3.9007% | 3,870 |
| Cash dividends to net income (ytd only)* | 4,100.0000% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6934% | 2,171 |
| Loan loss allowance to noncurrent loans | 60.7389% | 4,553 |
| Noncurrent assets plus other real estate owned to assets | 2.4454% | 2,343 |
| Noncurrent loans to loans | 2.7880% | 2,352 |
| Net loans and leases to total assets | 83.4109% | 784 |
| Net loans and leases to deposits | 105.8555% | 877 |
| Net loans and leases to core deposits | 139.4619% | 1,128 |
| Total domestic deposits to total assets | 78.7970% | 5,790 |
| Equity capital to assets | 11.7356% | 2,417 |
| Core capital (leverage) ratio | 12.0773% | 1,866 |
| Tier 1 risk-based capital ratio | 12.8273% | 4,306 |
| Total risk-based capital ratio | 14.0812% | 4,222 |
| Memoranda: | ||
| Average total assets | $166,029,000 | 3,727 |
| Average earning assets | $154,122,000 | 3,679 |
| Average equity | $18,161,500 | 3,548 |
| Average total loans | $145,272,500 | 3,085 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5259% | 2,837 |
| Cost of funding earning assets | 3.1025% | 1,497 |
| Net interest margin | 3.4234% | 5,565 |
| Noninterest income to average assets | 0.5539% | 4,199 |
| Noninterest expense to average assets | 3.6489% | 2,042 |
| Loan and lease loss provision to assets | 0.7748% | 1,930 |
| Net operating income to assets | -0.3840% | 6,803 |
| Return on assets (ROA) | -0.3840% | 6,684 |
| Pretax return on assets | -0.6606% | 6,778 |
| Return on Equity (ROE) | -3.4503% | 6,681 |
| Retained earnings to average equity (ytd only) | -3.4503% | 6,221 |
| Net charge-offs to loans | 0.0906% | 5,446 |
| Credit loss provision to net charge-offs | 945.9016% | 468 |
| Earnings coverage of net charge-offs (x) | 1.3934% | 5,430 |
| Efficiency ratio | 92.6851% | 1,348 |
| Assets per employee ($millions) | 3.6461% | 4,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6892% | 1,943 |
| Loan loss allowance to noncurrent loans | 75.4857% | 4,300 |
| Noncurrent assets plus other real estate owned to assets | 2.1025% | 2,334 |
| Noncurrent loans to loans | 2.2378% | 2,460 |
| Net loans and leases to total assets | 88.8080% | 299 |
| Net loans and leases to deposits | 112.7643% | 670 |
| Net loans and leases to core deposits | 148.2832% | 925 |
| Total domestic deposits to total assets | 78.7554% | 5,463 |
| Equity capital to assets | 10.0862% | 3,933 |
| Core capital (leverage) ratio | 10.1600% | 3,312 |
| Tier 1 risk-based capital ratio | 10.4082% | 6,307 |
| Total risk-based capital ratio | 11.6625% | 6,177 |
| Memoranda: | ||
| Average total assets | $148,947,200 | 3,919 |
| Average earning assets | $139,627,400 | 3,858 |
| Average equity | $16,578,200 | 3,814 |
| Average total loans | $134,644,600 | 3,184 |