Home > Centennial Bank > Performance and Condition Ratios
Centennial Bank, Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7196% | 1,365 |
| Cost of funding earning assets | 0.6176% | 2,878 |
| Net interest margin | 4.1019% | 1,109 |
| Noninterest income to average assets | 0.4758% | 2,676 |
| Noninterest expense to average assets | 3.1085% | 1,335 |
| Loan and lease loss provision to assets | 0.0408% | 3,770 |
| Net operating income to assets | 1.0870% | 2,011 |
| Return on assets (ROA) | 0.9905% | 2,492 |
| Pretax return on assets | 0.9905% | 3,062 |
| Return on Equity (ROE) | 9.5281% | 2,134 |
| Retained earnings to average equity (ytd only) | 6.4719% | 1,876 |
| Net charge-offs to loans | -0.0253% | 4,483 |
| Credit loss provision to net charge-offs | -216.8831% | 3,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.3776% | 1,523 |
| Assets per employee ($millions) | 5.4969% | 2,642 |
| Cash dividends to net income (ytd only)* | 32.0750% | 2,268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1454% | 2,803 |
| Loan loss allowance to noncurrent loans | 88.7653% | 3,385 |
| Noncurrent assets plus other real estate owned to assets | 0.9257% | 1,324 |
| Noncurrent loans to loans | 1.2904% | 1,208 |
| Net loans and leases to total assets | 70.9187% | 1,888 |
| Net loans and leases to deposits | 78.8443% | 2,566 |
| Net loans and leases to core deposits | 84.5086% | 2,569 |
| Total domestic deposits to total assets | 89.9478% | 412 |
| Equity capital to assets | 9.9280% | 3,269 |
| Core capital (leverage) ratio | 10.2767% | 2,559 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.3077% | 2,069 |
| Memoranda: | ||
| Average total assets | $818,397,000 | 1,009 |
| Average earning assets | $750,280,000 | 1,011 |
| Average equity | $85,075,000 | 1,088 |
| Average total loans | $607,526,667 | 950 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9122% | 1,164 |
| Cost of funding earning assets | 0.7571% | 2,624 |
| Net interest margin | 4.1552% | 1,015 |
| Noninterest income to average assets | 0.5277% | 2,398 |
| Noninterest expense to average assets | 3.0220% | 1,833 |
| Loan and lease loss provision to assets | 0.2869% | 1,082 |
| Net operating income to assets | 1.0094% | 2,148 |
| Return on assets (ROA) | 0.8095% | 2,959 |
| Pretax return on assets | 0.8095% | 3,388 |
| Return on Equity (ROE) | 7.5985% | 2,688 |
| Retained earnings to average equity (ytd only) | 6.5300% | 1,704 |
| Net charge-offs to loans | 0.1680% | 785 |
| Credit loss provision to net charge-offs | 225.8964% | 1,344 |
| Earnings coverage of net charge-offs (x) | 10.2072% | 1,777 |
| Efficiency ratio | 69.9824% | 2,351 |
| Assets per employee ($millions) | 4.9660% | 2,687 |
| Cash dividends to net income (ytd only)* | 14.0625% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2154% | 2,582 |
| Loan loss allowance to noncurrent loans | 104.1051% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 0.8768% | 1,521 |
| Noncurrent loans to loans | 1.1675% | 1,413 |
| Net loans and leases to total assets | 74.1896% | 1,573 |
| Net loans and leases to deposits | 83.5870% | 2,278 |
| Net loans and leases to core deposits | 90.4672% | 2,302 |
| Total domestic deposits to total assets | 88.7574% | 776 |
| Equity capital to assets | 10.6986% | 3,141 |
| Core capital (leverage) ratio | 10.8793% | 2,578 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.1796% | 1,852 |
| Memoranda: | ||
| Average total assets | $790,594,500 | 1,013 |
| Average earning assets | $721,218,000 | 1,012 |
| Average equity | $84,227,000 | 1,094 |
| Average total loans | $597,783,500 | 945 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1316% | 1,149 |
| Cost of funding earning assets | 0.8985% | 2,196 |
| Net interest margin | 4.2331% | 1,249 |
| Noninterest income to average assets | 0.5024% | 2,725 |
| Noninterest expense to average assets | 3.2280% | 1,451 |
| Loan and lease loss provision to assets | 0.0620% | 2,796 |
| Net operating income to assets | 1.0813% | 2,518 |
| Return on assets (ROA) | 1.2446% | 1,969 |
| Pretax return on assets | 1.2446% | 2,683 |
| Return on Equity (ROE) | 12.3643% | 1,378 |
| Retained earnings to average equity (ytd only) | 4.3542% | 2,787 |
| Net charge-offs to loans | 0.0003% | 3,718 |
| Credit loss provision to net charge-offs | 24,600.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 4,537.5000% | 11 |
| Efficiency ratio | 73.8450% | 1,623 |
| Assets per employee ($millions) | 4.9164% | 2,691 |
| Cash dividends to net income (ytd only)* | 64.7839% | 1,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1584% | 2,651 |
| Loan loss allowance to noncurrent loans | 98.7333% | 3,314 |
| Noncurrent assets plus other real estate owned to assets | 0.8932% | 1,426 |
| Noncurrent loans to loans | 1.1733% | 1,290 |
| Net loans and leases to total assets | 75.2446% | 1,541 |
| Net loans and leases to deposits | 84.7017% | 2,247 |
| Net loans and leases to core deposits | 93.1735% | 2,140 |
| Total domestic deposits to total assets | 88.8348% | 732 |
| Equity capital to assets | 10.6082% | 3,341 |
| Core capital (leverage) ratio | 10.9156% | 2,577 |
| Tier 1 risk-based capital ratio | 13.4222% | 3,566 |
| Total risk-based capital ratio | 14.5263% | 3,526 |
| Memoranda: | ||
| Average total assets | $793,747,800 | 977 |
| Average earning assets | $725,442,400 | 983 |
| Average equity | $79,899,200 | 1,096 |
| Average total loans | $580,818,400 | 935 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1555% | 1,138 |
| Cost of funding earning assets | 0.9257% | 2,109 |
| Net interest margin | 4.2298% | 1,306 |
| Noninterest income to average assets | 0.4602% | 2,958 |
| Noninterest expense to average assets | 3.2333% | 1,403 |
| Loan and lease loss provision to assets | 0.1076% | 1,803 |
| Net operating income to assets | 0.9865% | 3,030 |
| Return on assets (ROA) | 1.1226% | 2,575 |
| Pretax return on assets | 1.1226% | 3,229 |
| Return on Equity (ROE) | 11.3026% | 1,894 |
| Retained earnings to average equity (ytd only) | 1.0091% | 4,565 |
| Net charge-offs to loans | 0.0016% | 3,389 |
| Credit loss provision to net charge-offs | 9,171.4286% | 38 |
| Earnings coverage of net charge-offs (x) | 932.8810% | 100 |
| Efficiency ratio | 74.7173% | 1,473 |
| Assets per employee ($millions) | 4.7720% | 2,826 |
| Cash dividends to net income (ytd only)* | 91.0720% | 426 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2218% | 2,390 |
| Loan loss allowance to noncurrent loans | 159.5045% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 0.5690% | 2,301 |
| Noncurrent loans to loans | 0.7660% | 2,055 |
| Net loans and leases to total assets | 73.1572% | 1,970 |
| Net loans and leases to deposits | 85.3940% | 2,273 |
| Net loans and leases to core deposits | 93.1129% | 2,255 |
| Total domestic deposits to total assets | 85.6702% | 2,130 |
| Equity capital to assets | 10.4526% | 3,582 |
| Core capital (leverage) ratio | 10.2037% | 3,424 |
| Tier 1 risk-based capital ratio | 12.1797% | 4,328 |
| Total risk-based capital ratio | 13.2450% | 4,309 |
| Memoranda: | ||
| Average total assets | $795,528,500 | 979 |
| Average earning assets | $727,335,500 | 984 |
| Average equity | $79,012,250 | 1,099 |
| Average total loans | $576,315,500 | 940 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1208% | 1,172 |
| Cost of funding earning assets | 0.9163% | 2,071 |
| Net interest margin | 4.2045% | 1,353 |
| Noninterest income to average assets | 0.3923% | 3,322 |
| Noninterest expense to average assets | 3.2467% | 1,411 |
| Loan and lease loss provision to assets | 0.0923% | 2,004 |
| Net operating income to assets | 0.8994% | 3,286 |
| Return on assets (ROA) | 0.9314% | 3,222 |
| Pretax return on assets | 0.9314% | 3,763 |
| Return on Equity (ROE) | 9.5413% | 2,611 |
| Retained earnings to average equity (ytd only) | -1.8570% | 4,899 |
| Net charge-offs to loans | 0.0028% | 3,075 |
| Credit loss provision to net charge-offs | 4,612.5000% | 81 |
| Earnings coverage of net charge-offs (x) | 495.7500% | 154 |
| Efficiency ratio | 76.6018% | 1,322 |
| Assets per employee ($millions) | 5.0912% | 2,370 |
| Cash dividends to net income (ytd only)* | 119.4631% | 247 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 2,712 |
| Loan loss allowance to noncurrent loans | 1,644.4444% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.0518% | 4,504 |
| Noncurrent loans to loans | 0.0707% | 4,365 |
| Net loans and leases to total assets | 72.3680% | 2,163 |
| Net loans and leases to deposits | 85.1445% | 2,356 |
| Net loans and leases to core deposits | 92.0659% | 2,411 |
| Total domestic deposits to total assets | 84.9943% | 2,484 |
| Equity capital to assets | 10.0092% | 3,971 |
| Core capital (leverage) ratio | 9.9361% | 3,655 |
| Tier 1 risk-based capital ratio | 11.9378% | 4,455 |
| Total risk-based capital ratio | 12.9583% | 4,473 |
| Memoranda: | ||
| Average total assets | $799,834,000 | 978 |
| Average earning assets | $731,640,670 | 985 |
| Average equity | $78,082,000 | 1,108 |
| Average total loans | $575,214,330 | 944 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0612% | 1,193 |
| Cost of funding earning assets | 0.8735% | 2,135 |
| Net interest margin | 4.1877% | 1,324 |
| Noninterest income to average assets | 0.2315% | 4,356 |
| Noninterest expense to average assets | 3.1157% | 1,701 |
| Loan and lease loss provision to assets | 0.1350% | 1,284 |
| Net operating income to assets | 0.8084% | 3,588 |
| Return on assets (ROA) | 0.8674% | 3,415 |
| Pretax return on assets | 0.8674% | 3,872 |
| Return on Equity (ROE) | 8.9990% | 2,815 |
| Retained earnings to average equity (ytd only) | 0.0519% | 4,519 |
| Net charge-offs to loans | 0.0056% | 2,504 |
| Credit loss provision to net charge-offs | 3,375.0000% | 121 |
| Earnings coverage of net charge-offs (x) | 235.8750% | 336 |
| Efficiency ratio | 76.7582% | 1,407 |
| Assets per employee ($millions) | 5.0101% | 2,503 |
| Cash dividends to net income (ytd only)* | 99.4236% | 629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1718% | 2,732 |
| Loan loss allowance to noncurrent loans | 1,397.7083% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 4,487 |
| Noncurrent loans to loans | 0.0838% | 4,379 |
| Net loans and leases to total assets | 71.0304% | 2,322 |
| Net loans and leases to deposits | 81.1817% | 2,708 |
| Net loans and leases to core deposits | 87.2287% | 2,761 |
| Total domestic deposits to total assets | 87.4955% | 1,573 |
| Equity capital to assets | 9.8535% | 3,965 |
| Core capital (leverage) ratio | 10.1477% | 3,440 |
| Tier 1 risk-based capital ratio | 12.3167% | 4,292 |
| Total risk-based capital ratio | 13.3448% | 4,298 |
| Memoranda: | ||
| Average total assets | $800,089,500 | 972 |
| Average earning assets | $731,284,500 | 983 |
| Average equity | $77,120,000 | 1,110 |
| Average total loans | $570,190,500 | 952 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8685% | 1,371 |
| Cost of funding earning assets | 0.6323% | 2,509 |
| Net interest margin | 4.2362% | 1,310 |
| Noninterest income to average assets | 0.5909% | 2,347 |
| Noninterest expense to average assets | 3.3043% | 1,310 |
| Loan and lease loss provision to assets | 0.0879% | 2,386 |
| Net operating income to assets | 1.0858% | 2,656 |
| Return on assets (ROA) | 1.0981% | 2,601 |
| Pretax return on assets | 1.0981% | 3,276 |
| Return on Equity (ROE) | 11.3289% | 1,965 |
| Retained earnings to average equity (ytd only) | 1.2510% | 4,632 |
| Net charge-offs to loans | 0.3027% | 640 |
| Credit loss provision to net charge-offs | 41.8994% | 3,268 |
| Earnings coverage of net charge-offs (x) | 5.5940% | 3,175 |
| Efficiency ratio | 73.7894% | 1,653 |
| Assets per employee ($millions) | 5.1844% | 2,280 |
| Cash dividends to net income (ytd only)* | 88.9574% | 470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 2,901 |
| Loan loss allowance to noncurrent loans | 721.9485% | 797 |
| Noncurrent assets plus other real estate owned to assets | 0.1111% | 4,273 |
| Noncurrent loans to loans | 0.1573% | 4,034 |
| Net loans and leases to total assets | 69.8621% | 2,580 |
| Net loans and leases to deposits | 77.6031% | 3,213 |
| Net loans and leases to core deposits | 83.3620% | 3,145 |
| Total domestic deposits to total assets | 90.0248% | 470 |
| Equity capital to assets | 9.4262% | 4,192 |
| Core capital (leverage) ratio | 10.3633% | 3,184 |
| Tier 1 risk-based capital ratio | 12.2668% | 4,253 |
| Total risk-based capital ratio | 13.2508% | 4,320 |
| Memoranda: | ||
| Average total assets | $767,808,200 | 979 |
| Average earning assets | $704,547,200 | 983 |
| Average equity | $74,420,200 | 1,099 |
| Average total loans | $532,288,400 | 981 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8108% | 1,398 |
| Cost of funding earning assets | 0.5757% | 2,662 |
| Net interest margin | 4.2351% | 1,275 |
| Noninterest income to average assets | 0.5694% | 2,477 |
| Noninterest expense to average assets | 3.3101% | 1,281 |
| Loan and lease loss provision to assets | 0.1186% | 1,710 |
| Net operating income to assets | 1.0349% | 2,942 |
| Return on assets (ROA) | 1.0510% | 2,876 |
| Pretax return on assets | 1.0510% | 3,574 |
| Return on Equity (ROE) | 10.7652% | 2,283 |
| Retained earnings to average equity (ytd only) | -2.7318% | 5,240 |
| Net charge-offs to loans | 0.4096% | 394 |
| Credit loss provision to net charge-offs | 41.9776% | 2,890 |
| Earnings coverage of net charge-offs (x) | 4.0827% | 3,099 |
| Efficiency ratio | 74.1586% | 1,567 |
| Assets per employee ($millions) | 4.9524% | 2,531 |
| Cash dividends to net income (ytd only)* | 125.3761% | 128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1831% | 2,722 |
| Loan loss allowance to noncurrent loans | 637.9822% | 867 |
| Noncurrent assets plus other real estate owned to assets | 0.1317% | 4,299 |
| Noncurrent loans to loans | 0.1854% | 4,056 |
| Net loans and leases to total assets | 70.1836% | 2,616 |
| Net loans and leases to deposits | 80.2961% | 3,007 |
| Net loans and leases to core deposits | 89.9009% | 2,667 |
| Total domestic deposits to total assets | 87.4060% | 1,543 |
| Equity capital to assets | 9.2937% | 4,284 |
| Core capital (leverage) ratio | 10.2848% | 3,310 |
| Tier 1 risk-based capital ratio | 12.2825% | 4,330 |
| Total risk-based capital ratio | 13.2993% | 4,358 |
| Memoranda: | ||
| Average total assets | $758,866,250 | 989 |
| Average earning assets | $697,772,250 | 988 |
| Average equity | $74,088,500 | 1,103 |
| Average total loans | $523,400,000 | 997 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7333% | 1,421 |
| Cost of funding earning assets | 0.5113% | 2,919 |
| Net interest margin | 4.2220% | 1,232 |
| Noninterest income to average assets | 0.5551% | 2,555 |
| Noninterest expense to average assets | 3.3143% | 1,283 |
| Loan and lease loss provision to assets | 0.1786% | 1,010 |
| Net operating income to assets | 0.9464% | 3,252 |
| Return on assets (ROA) | 0.9707% | 3,144 |
| Pretax return on assets | 0.9707% | 3,749 |
| Return on Equity (ROE) | 9.7834% | 2,668 |
| Retained earnings to average equity (ytd only) | -5.9490% | 5,325 |
| Net charge-offs to loans | 0.6080% | 243 |
| Credit loss provision to net charge-offs | 43.0210% | 2,542 |
| Earnings coverage of net charge-offs (x) | 2.7100% | 2,950 |
| Efficiency ratio | 74.6588% | 1,618 |
| Assets per employee ($millions) | 4.8555% | 2,609 |
| Cash dividends to net income (ytd only)* | 160.8068% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2294% | 2,559 |
| Loan loss allowance to noncurrent loans | 597.5138% | 964 |
| Noncurrent assets plus other real estate owned to assets | 0.1488% | 4,246 |
| Noncurrent loans to loans | 0.2057% | 3,987 |
| Net loans and leases to total assets | 68.3899% | 2,813 |
| Net loans and leases to deposits | 76.0901% | 3,316 |
| Net loans and leases to core deposits | 84.8270% | 3,022 |
| Total domestic deposits to total assets | 89.8802% | 614 |
| Equity capital to assets | 9.4787% | 4,128 |
| Core capital (leverage) ratio | 10.3825% | 3,156 |
| Tier 1 risk-based capital ratio | 12.5776% | 4,134 |
| Total risk-based capital ratio | 13.6347% | 4,144 |
| Memoranda: | ||
| Average total assets | $755,945,670 | 993 |
| Average earning assets | $695,457,670 | 992 |
| Average equity | $75,004,330 | 1,087 |
| Average total loans | $516,133,670 | 1,015 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6654% | 1,396 |
| Cost of funding earning assets | 0.4439% | 3,257 |
| Net interest margin | 4.2216% | 1,123 |
| Noninterest income to average assets | 0.4549% | 3,081 |
| Noninterest expense to average assets | 3.2122% | 1,540 |
| Loan and lease loss provision to assets | 0.3587% | 334 |
| Net operating income to assets | 0.7604% | 3,875 |
| Return on assets (ROA) | 0.7604% | 3,871 |
| Pretax return on assets | 0.7604% | 4,257 |
| Return on Equity (ROE) | 7.4944% | 3,591 |
| Retained earnings to average equity (ytd only) | -5.4676% | 5,224 |
| Net charge-offs to loans | 1.2307% | 117 |
| Credit loss provision to net charge-offs | 42.9936% | 1,995 |
| Earnings coverage of net charge-offs (x) | 1.3414% | 2,570 |
| Efficiency ratio | 74.1627% | 1,878 |
| Assets per employee ($millions) | 5.1078% | 2,356 |
| Cash dividends to net income (ytd only)* | 172.9560% | 241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2802% | 2,337 |
| Loan loss allowance to noncurrent loans | 499.4611% | 1,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1707% | 4,231 |
| Noncurrent loans to loans | 0.2563% | 3,843 |
| Net loans and leases to total assets | 65.7371% | 3,077 |
| Net loans and leases to deposits | 73.3098% | 3,483 |
| Net loans and leases to core deposits | 80.4381% | 3,288 |
| Total domestic deposits to total assets | 89.6703% | 794 |
| Equity capital to assets | 9.7730% | 3,814 |
| Core capital (leverage) ratio | 10.6515% | 2,794 |
| Tier 1 risk-based capital ratio | 13.3316% | 3,755 |
| Total risk-based capital ratio | 14.4350% | 3,757 |
| Memoranda: | ||
| Average total assets | $752,760,500 | 1,003 |
| Average earning assets | $691,213,000 | 1,005 |
| Average equity | $76,377,500 | 1,074 |
| Average total loans | $510,282,500 | 1,031 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6006% | 1,429 |
| Cost of funding earning assets | 0.3731% | 3,485 |
| Net interest margin | 4.2275% | 1,132 |
| Noninterest income to average assets | 0.6346% | 2,274 |
| Noninterest expense to average assets | 3.0979% | 1,868 |
| Loan and lease loss provision to assets | 0.1356% | 1,697 |
| Net operating income to assets | 1.2767% | 1,284 |
| Return on assets (ROA) | 1.2854% | 1,284 |
| Pretax return on assets | 1.2854% | 2,408 |
| Return on Equity (ROE) | 12.2469% | 1,140 |
| Retained earnings to average equity (ytd only) | 3.7215% | 2,997 |
| Net charge-offs to loans | 0.0442% | 2,905 |
| Credit loss provision to net charge-offs | 458.7156% | 687 |
| Earnings coverage of net charge-offs (x) | 47.7844% | 1,122 |
| Efficiency ratio | 68.6867% | 2,759 |
| Assets per employee ($millions) | 5.0990% | 2,365 |
| Cash dividends to net income (ytd only)* | 69.6129% | 1,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4370% | 1,625 |
| Loan loss allowance to noncurrent loans | 201.8316% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 0.4939% | 2,910 |
| Noncurrent loans to loans | 0.7120% | 2,426 |
| Net loans and leases to total assets | 68.0218% | 2,813 |
| Net loans and leases to deposits | 79.3623% | 2,989 |
| Net loans and leases to core deposits | 87.4297% | 2,772 |
| Total domestic deposits to total assets | 85.7104% | 2,571 |
| Equity capital to assets | 10.5280% | 3,138 |
| Core capital (leverage) ratio | 10.6358% | 2,709 |
| Tier 1 risk-based capital ratio | 13.6394% | 3,552 |
| Total risk-based capital ratio | 14.8896% | 3,466 |
| Memoranda: | ||
| Average total assets | $737,602,800 | 1,000 |
| Average earning assets | $676,195,200 | 1,001 |
| Average equity | $77,415,800 | 1,042 |
| Average total loans | $492,835,000 | 1,044 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5396% | 1,528 |
| Cost of funding earning assets | 0.3496% | 3,672 |
| Net interest margin | 4.1900% | 1,174 |
| Noninterest income to average assets | 0.6544% | 2,184 |
| Noninterest expense to average assets | 3.0388% | 2,003 |
| Loan and lease loss provision to assets | 0.0964% | 2,173 |
| Net operating income to assets | 1.3670% | 1,164 |
| Return on assets (ROA) | 1.3862% | 1,139 |
| Pretax return on assets | 1.3862% | 2,155 |
| Return on Equity (ROE) | 13.2180% | 1,008 |
| Retained earnings to average equity (ytd only) | 2.2044% | 4,537 |
| Net charge-offs to loans | 0.0492% | 2,447 |
| Credit loss provision to net charge-offs | 295.5556% | 1,005 |
| Earnings coverage of net charge-offs (x) | 44.8730% | 1,204 |
| Efficiency ratio | 67.4957% | 2,966 |
| Assets per employee ($millions) | 5.2253% | 2,199 |
| Cash dividends to net income (ytd only)* | 83.3225% | 566 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3920% | 1,923 |
| Loan loss allowance to noncurrent loans | 290.7988% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.3264% | 3,750 |
| Noncurrent loans to loans | 0.4787% | 3,251 |
| Net loans and leases to total assets | 66.3818% | 3,058 |
| Net loans and leases to deposits | 81.5680% | 2,822 |
| Net loans and leases to core deposits | 90.0994% | 2,600 |
| Total domestic deposits to total assets | 81.3821% | 3,953 |
| Equity capital to assets | 10.4577% | 3,414 |
| Core capital (leverage) ratio | 10.6181% | 2,858 |
| Tier 1 risk-based capital ratio | 13.5561% | 3,672 |
| Total risk-based capital ratio | 14.7671% | 3,605 |
| Memoranda: | ||
| Average total assets | $735,890,250 | 1,005 |
| Average earning assets | $675,788,000 | 1,003 |
| Average equity | $77,175,750 | 1,051 |
| Average total loans | $487,600,500 | 1,058 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4966% | 1,516 |
| Cost of funding earning assets | 0.3313% | 3,777 |
| Net interest margin | 4.1653% | 1,157 |
| Noninterest income to average assets | 0.6732% | 2,110 |
| Noninterest expense to average assets | 2.9908% | 2,140 |
| Loan and lease loss provision to assets | 0.1450% | 1,407 |
| Net operating income to assets | 1.3613% | 1,148 |
| Return on assets (ROA) | 1.3790% | 1,139 |
| Pretax return on assets | 1.3790% | 2,105 |
| Return on Equity (ROE) | 13.1368% | 1,002 |
| Retained earnings to average equity (ytd only) | 3.0116% | 3,923 |
| Net charge-offs to loans | 0.0149% | 2,946 |
| Credit loss provision to net charge-offs | 1,477.7778% | 297 |
| Earnings coverage of net charge-offs (x) | 153.5278% | 495 |
| Efficiency ratio | 66.5051% | 3,263 |
| Assets per employee ($millions) | 5.1820% | 2,176 |
| Cash dividends to net income (ytd only)* | 77.0751% | 927 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4663% | 1,698 |
| Loan loss allowance to noncurrent loans | 234.3791% | 1,946 |
| Noncurrent assets plus other real estate owned to assets | 0.4174% | 3,445 |
| Noncurrent loans to loans | 0.6256% | 2,857 |
| Net loans and leases to total assets | 63.9100% | 3,399 |
| Net loans and leases to deposits | 76.4382% | 3,293 |
| Net loans and leases to core deposits | 84.6974% | 2,990 |
| Total domestic deposits to total assets | 83.6101% | 3,362 |
| Equity capital to assets | 10.4064% | 3,452 |
| Core capital (leverage) ratio | 10.5945% | 2,819 |
| Tier 1 risk-based capital ratio | 13.7000% | 3,585 |
| Total risk-based capital ratio | 14.9500% | 3,505 |
| Memoranda: | ||
| Average total assets | $733,854,670 | 1,011 |
| Average earning assets | $673,710,670 | 1,007 |
| Average equity | $77,035,670 | 1,056 |
| Average total loans | $483,632,670 | 1,069 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4609% | 1,468 |
| Cost of funding earning assets | 0.3055% | 3,986 |
| Net interest margin | 4.1554% | 1,083 |
| Noninterest income to average assets | 0.7311% | 1,823 |
| Noninterest expense to average assets | 3.0101% | 2,141 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.5347% | 763 |
| Return on assets (ROA) | 1.5347% | 786 |
| Pretax return on assets | 1.5347% | 1,429 |
| Return on Equity (ROE) | 14.5555% | 713 |
| Retained earnings to average equity (ytd only) | 13.3825% | 345 |
| Net charge-offs to loans | 0.1175% | 1,228 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 19.6620% | 1,519 |
| Efficiency ratio | 66.2313% | 3,461 |
| Assets per employee ($millions) | 4.9281% | 2,541 |
| Cash dividends to net income (ytd only)* | 8.0587% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3753% | 2,186 |
| Loan loss allowance to noncurrent loans | 229.5309% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 0.3997% | 3,597 |
| Noncurrent loans to loans | 0.5992% | 3,018 |
| Net loans and leases to total assets | 63.5061% | 3,331 |
| Net loans and leases to deposits | 71.5748% | 3,647 |
| Net loans and leases to core deposits | 79.7017% | 3,320 |
| Total domestic deposits to total assets | 88.7269% | 1,302 |
| Equity capital to assets | 10.7156% | 2,946 |
| Core capital (leverage) ratio | 10.9474% | 2,415 |
| Tier 1 risk-based capital ratio | 14.4858% | 3,210 |
| Total risk-based capital ratio | 15.6683% | 3,172 |
| Memoranda: | ||
| Average total assets | $727,681,000 | 1,019 |
| Average earning assets | $667,851,500 | 1,018 |
| Average equity | $76,727,000 | 1,048 |
| Average total loans | $483,451,500 | 1,055 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5719% | 1,355 |
| Cost of funding earning assets | 0.2768% | 4,291 |
| Net interest margin | 4.2952% | 941 |
| Noninterest income to average assets | 0.6552% | 2,395 |
| Noninterest expense to average assets | 3.1037% | 2,026 |
| Loan and lease loss provision to assets | 0.1167% | 2,118 |
| Net operating income to assets | 1.3661% | 1,071 |
| Return on assets (ROA) | 1.3894% | 1,065 |
| Pretax return on assets | 1.3894% | 1,986 |
| Return on Equity (ROE) | 12.6394% | 1,078 |
| Retained earnings to average equity (ytd only) | 1.2394% | 4,792 |
| Net charge-offs to loans | 0.0289% | 3,443 |
| Credit loss provision to net charge-offs | 575.8621% | 592 |
| Earnings coverage of net charge-offs (x) | 73.1793% | 765 |
| Efficiency ratio | 67.6711% | 3,310 |
| Assets per employee ($millions) | 5.0069% | 2,383 |
| Cash dividends to net income (ytd only)* | 90.1941% | 584 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3275% | 2,390 |
| Loan loss allowance to noncurrent loans | 446.3151% | 1,159 |
| Noncurrent assets plus other real estate owned to assets | 0.2080% | 4,484 |
| Noncurrent loans to loans | 0.2974% | 4,083 |
| Net loans and leases to total assets | 67.5831% | 2,839 |
| Net loans and leases to deposits | 75.8446% | 3,332 |
| Net loans and leases to core deposits | 84.9669% | 2,931 |
| Total domestic deposits to total assets | 89.1074% | 1,056 |
| Equity capital to assets | 10.3717% | 3,304 |
| Core capital (leverage) ratio | 10.6263% | 2,746 |
| Tier 1 risk-based capital ratio | 13.5316% | 3,751 |
| Total risk-based capital ratio | 14.6985% | 3,700 |
| Memoranda: | ||
| Average total assets | $715,621,000 | 1,001 |
| Average earning assets | $654,994,200 | 1,003 |
| Average equity | $78,666,600 | 1,009 |
| Average total loans | $502,409,000 | 972 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5387% | 1,429 |
| Cost of funding earning assets | 0.2679% | 4,414 |
| Net interest margin | 4.2708% | 980 |
| Noninterest income to average assets | 0.6842% | 2,244 |
| Noninterest expense to average assets | 3.1314% | 1,951 |
| Loan and lease loss provision to assets | 0.1079% | 2,126 |
| Net operating income to assets | 1.3523% | 1,162 |
| Return on assets (ROA) | 1.3920% | 1,140 |
| Pretax return on assets | 1.3920% | 2,062 |
| Return on Equity (ROE) | 12.4831% | 1,180 |
| Retained earnings to average equity (ytd only) | -0.1727% | 5,386 |
| Net charge-offs to loans | 0.0251% | 3,166 |
| Credit loss provision to net charge-offs | 607.3684% | 608 |
| Earnings coverage of net charge-offs (x) | 82.2023% | 764 |
| Efficiency ratio | 68.1979% | 3,191 |
| Assets per employee ($millions) | 4.9497% | 2,420 |
| Cash dividends to net income (ytd only)* | 101.3837% | 370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3039% | 2,669 |
| Loan loss allowance to noncurrent loans | 268.5006% | 1,786 |
| Noncurrent assets plus other real estate owned to assets | 0.3412% | 4,040 |
| Noncurrent loans to loans | 0.4856% | 3,552 |
| Net loans and leases to total assets | 69.3352% | 2,593 |
| Net loans and leases to deposits | 85.8401% | 2,278 |
| Net loans and leases to core deposits | 91.5974% | 2,430 |
| Total domestic deposits to total assets | 80.7725% | 4,301 |
| Equity capital to assets | 11.3468% | 2,659 |
| Core capital (leverage) ratio | 10.6765% | 2,805 |
| Tier 1 risk-based capital ratio | 13.4617% | 3,883 |
| Total risk-based capital ratio | 14.6020% | 3,864 |
| Memoranda: | ||
| Average total assets | $713,025,250 | 1,011 |
| Average earning assets | $652,353,750 | 1,011 |
| Average equity | $79,508,500 | 997 |
| Average total loans | $503,697,000 | 974 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4894% | 1,548 |
| Cost of funding earning assets | 0.2609% | 4,539 |
| Net interest margin | 4.2285% | 1,062 |
| Noninterest income to average assets | 0.6793% | 2,237 |
| Noninterest expense to average assets | 3.1111% | 2,026 |
| Loan and lease loss provision to assets | 0.0925% | 2,302 |
| Net operating income to assets | 1.3486% | 1,170 |
| Return on assets (ROA) | 1.4068% | 1,107 |
| Pretax return on assets | 1.4068% | 2,000 |
| Return on Equity (ROE) | 12.6886% | 1,106 |
| Retained earnings to average equity (ytd only) | 4.6499% | 2,949 |
| Net charge-offs to loans | 0.0118% | 3,308 |
| Credit loss provision to net charge-offs | 1,106.6667% | 346 |
| Earnings coverage of net charge-offs (x) | 172.4667% | 371 |
| Efficiency ratio | 68.3431% | 3,268 |
| Assets per employee ($millions) | 4.7066% | 2,701 |
| Cash dividends to net income (ytd only)* | 63.3538% | 1,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2281% | 3,200 |
| Loan loss allowance to noncurrent loans | 296.7049% | 1,660 |
| Noncurrent assets plus other real estate owned to assets | 0.3153% | 4,234 |
| Noncurrent loans to loans | 0.4139% | 3,871 |
| Net loans and leases to total assets | 69.8468% | 2,505 |
| Net loans and leases to deposits | 90.1072% | 1,742 |
| Net loans and leases to core deposits | 95.3725% | 2,033 |
| Total domestic deposits to total assets | 77.5153% | 5,081 |
| Equity capital to assets | 11.4586% | 2,587 |
| Core capital (leverage) ratio | 10.8645% | 2,578 |
| Tier 1 risk-based capital ratio | 13.3042% | 4,018 |
| Total risk-based capital ratio | 14.3717% | 4,048 |
| Memoranda: | ||
| Average total assets | $718,064,330 | 1,003 |
| Average earning assets | $657,685,330 | 1,008 |
| Average equity | $79,614,670 | 996 |
| Average total loans | $508,166,330 | 962 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4715% | 1,590 |
| Cost of funding earning assets | 0.2475% | 4,736 |
| Net interest margin | 4.2240% | 1,054 |
| Noninterest income to average assets | 0.6294% | 2,371 |
| Noninterest expense to average assets | 3.1576% | 1,935 |
| Loan and lease loss provision to assets | 0.1207% | 1,749 |
| Net operating income to assets | 1.2138% | 1,509 |
| Return on assets (ROA) | 1.3300% | 1,267 |
| Pretax return on assets | 1.3300% | 2,182 |
| Return on Equity (ROE) | 12.1987% | 1,255 |
| Retained earnings to average equity (ytd only) | 0.8517% | 4,884 |
| Net charge-offs to loans | 0.0212% | 2,507 |
| Credit loss provision to net charge-offs | 803.7037% | 432 |
| Earnings coverage of net charge-offs (x) | 88.8889% | 586 |
| Efficiency ratio | 70.2934% | 3,067 |
| Assets per employee ($millions) | 4.6937% | 2,754 |
| Cash dividends to net income (ytd only)* | 93.0184% | 793 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2223% | 3,352 |
| Loan loss allowance to noncurrent loans | 247.6055% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 0.3774% | 4,075 |
| Noncurrent loans to loans | 0.4937% | 3,694 |
| Net loans and leases to total assets | 70.0274% | 2,337 |
| Net loans and leases to deposits | 85.6082% | 2,108 |
| Net loans and leases to core deposits | 90.0522% | 2,367 |
| Total domestic deposits to total assets | 81.7998% | 4,284 |
| Equity capital to assets | 11.2503% | 2,677 |
| Core capital (leverage) ratio | 10.6955% | 2,735 |
| Tier 1 risk-based capital ratio | 12.9940% | 4,274 |
| Total risk-based capital ratio | 14.0407% | 4,312 |
| Memoranda: | ||
| Average total assets | $719,396,000 | 1,002 |
| Average earning assets | $657,858,000 | 1,004 |
| Average equity | $78,434,500 | 1,015 |
| Average total loans | $509,300,500 | 961 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4651% | 1,702 |
| Cost of funding earning assets | 0.2023% | 5,271 |
| Net interest margin | 4.2628% | 1,035 |
| Noninterest income to average assets | 1.1002% | 970 |
| Noninterest expense to average assets | 3.3649% | 1,560 |
| Loan and lease loss provision to assets | 0.1038% | 2,250 |
| Net operating income to assets | 1.5178% | 835 |
| Return on assets (ROA) | 1.5245% | 856 |
| Pretax return on assets | 1.5245% | 1,482 |
| Return on Equity (ROE) | 15.0219% | 681 |
| Retained earnings to average equity (ytd only) | 9.1184% | 627 |
| Net charge-offs to loans | 0.0613% | 3,002 |
| Credit loss provision to net charge-offs | 243.2258% | 1,176 |
| Earnings coverage of net charge-offs (x) | 37.9806% | 1,223 |
| Efficiency ratio | 67.4796% | 3,667 |
| Assets per employee ($millions) | 4.6798% | 2,757 |
| Cash dividends to net income (ytd only)* | 39.2989% | 2,871 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1379% | 3,815 |
| Loan loss allowance to noncurrent loans | 292.3343% | 1,684 |
| Noncurrent assets plus other real estate owned to assets | 0.4033% | 3,984 |
| Noncurrent loans to loans | 0.3892% | 4,058 |
| Net loans and leases to total assets | 69.8968% | 2,378 |
| Net loans and leases to deposits | 88.8175% | 1,772 |
| Net loans and leases to core deposits | 93.1398% | 2,121 |
| Total domestic deposits to total assets | 78.6972% | 5,032 |
| Equity capital to assets | 10.5698% | 3,285 |
| Core capital (leverage) ratio | 10.4146% | 3,043 |
| Tier 1 risk-based capital ratio | 12.5518% | 4,599 |
| Total risk-based capital ratio | 13.5335% | 4,672 |
| Memoranda: | ||
| Average total assets | $726,057,200 | 955 |
| Average earning assets | $661,932,400 | 962 |
| Average equity | $73,685,800 | 1,037 |
| Average total loans | $505,880,200 | 927 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4485% | 1,763 |
| Cost of funding earning assets | 0.1993% | 5,378 |
| Net interest margin | 4.2492% | 1,055 |
| Noninterest income to average assets | 0.7032% | 2,215 |
| Noninterest expense to average assets | 3.3875% | 1,497 |
| Loan and lease loss provision to assets | 0.0729% | 2,711 |
| Net operating income to assets | 1.1193% | 1,926 |
| Return on assets (ROA) | 1.1256% | 1,983 |
| Pretax return on assets | 1.1256% | 3,116 |
| Return on Equity (ROE) | 11.2086% | 1,624 |
| Retained earnings to average equity (ytd only) | 4.9266% | 2,958 |
| Net charge-offs to loans | 0.0533% | 2,842 |
| Credit loss provision to net charge-offs | 197.0149% | 1,354 |
| Earnings coverage of net charge-offs (x) | 32.2044% | 1,427 |
| Efficiency ratio | 73.9674% | 2,563 |
| Assets per employee ($millions) | 4.2803% | 3,358 |
| Cash dividends to net income (ytd only)* | 56.0464% | 1,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1284% | 4,063 |
| Loan loss allowance to noncurrent loans | 187.9190% | 2,381 |
| Noncurrent assets plus other real estate owned to assets | 0.5615% | 3,621 |
| Noncurrent loans to loans | 0.6005% | 3,522 |
| Net loans and leases to total assets | 69.8241% | 2,415 |
| Net loans and leases to deposits | 83.6813% | 2,444 |
| Net loans and leases to core deposits | 87.4807% | 2,709 |
| Total domestic deposits to total assets | 83.4405% | 3,634 |
| Equity capital to assets | 10.5129% | 3,587 |
| Core capital (leverage) ratio | 10.0500% | 3,558 |
| Tier 1 risk-based capital ratio | 12.1960% | 4,963 |
| Total risk-based capital ratio | 13.1623% | 5,055 |
| Memoranda: | ||
| Average total assets | $723,888,250 | 962 |
| Average earning assets | $660,403,000 | 969 |
| Average equity | $72,692,250 | 1,055 |
| Average total loans | $502,483,750 | 934 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4337% | 1,734 |
| Cost of funding earning assets | 0.1969% | 5,461 |
| Net interest margin | 4.2368% | 1,031 |
| Noninterest income to average assets | 0.7444% | 2,023 |
| Noninterest expense to average assets | 3.3597% | 1,555 |
| Loan and lease loss provision to assets | 0.0744% | 2,630 |
| Net operating income to assets | 1.1687% | 1,705 |
| Return on assets (ROA) | 1.1690% | 1,776 |
| Pretax return on assets | 1.1690% | 2,902 |
| Return on Equity (ROE) | 11.8211% | 1,427 |
| Retained earnings to average equity (ytd only) | 4.6707% | 3,069 |
| Net charge-offs to loans | 0.0239% | 3,194 |
| Credit loss provision to net charge-offs | 451.6667% | 675 |
| Earnings coverage of net charge-offs (x) | 75.4500% | 740 |
| Efficiency ratio | 72.9925% | 2,840 |
| Assets per employee ($millions) | 4.2405% | 3,399 |
| Cash dividends to net income (ytd only)* | 60.4886% | 1,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 4,146 |
| Loan loss allowance to noncurrent loans | 155.0096% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.6381% | 3,508 |
| Noncurrent loans to loans | 0.7339% | 3,278 |
| Net loans and leases to total assets | 68.8574% | 2,508 |
| Net loans and leases to deposits | 81.9129% | 2,563 |
| Net loans and leases to core deposits | 84.6889% | 2,910 |
| Total domestic deposits to total assets | 84.0618% | 3,539 |
| Equity capital to assets | 10.0872% | 3,935 |
| Core capital (leverage) ratio | 9.7084% | 3,989 |
| Tier 1 risk-based capital ratio | 12.0449% | 5,115 |
| Total risk-based capital ratio | 13.0156% | 5,208 |
| Memoranda: | ||
| Average total assets | $728,339,670 | 956 |
| Average earning assets | $663,287,330 | 973 |
| Average equity | $72,023,670 | 1,069 |
| Average total loans | $502,716,330 | 931 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3770% | 1,848 |
| Cost of funding earning assets | 0.1933% | 5,565 |
| Net interest margin | 4.1837% | 1,102 |
| Noninterest income to average assets | 0.6903% | 2,203 |
| Noninterest expense to average assets | 3.3975% | 1,491 |
| Loan and lease loss provision to assets | 0.0610% | 2,710 |
| Net operating income to assets | 1.0406% | 2,071 |
| Return on assets (ROA) | 1.0395% | 2,228 |
| Pretax return on assets | 1.0395% | 3,346 |
| Return on Equity (ROE) | 10.6161% | 1,763 |
| Retained earnings to average equity (ytd only) | 1.0182% | 5,064 |
| Net charge-offs to loans | 0.0230% | 2,694 |
| Credit loss provision to net charge-offs | 386.2069% | 677 |
| Earnings coverage of net charge-offs (x) | 69.7241% | 646 |
| Efficiency ratio | 75.5147% | 2,582 |
| Assets per employee ($millions) | 4.2648% | 3,437 |
| Cash dividends to net income (ytd only)* | 90.4088% | 822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1028% | 4,503 |
| Loan loss allowance to noncurrent loans | 151.0204% | 2,784 |
| Noncurrent assets plus other real estate owned to assets | 0.6319% | 3,598 |
| Noncurrent loans to loans | 0.7302% | 3,434 |
| Net loans and leases to total assets | 68.2481% | 2,403 |
| Net loans and leases to deposits | 78.0769% | 2,790 |
| Net loans and leases to core deposits | 80.0705% | 3,153 |
| Total domestic deposits to total assets | 87.4114% | 2,159 |
| Equity capital to assets | 9.9261% | 4,228 |
| Core capital (leverage) ratio | 9.5328% | 4,223 |
| Tier 1 risk-based capital ratio | 11.7521% | 5,408 |
| Total risk-based capital ratio | 12.6980% | 5,497 |
| Memoranda: | ||
| Average total assets | $734,188,000 | 948 |
| Average earning assets | $668,404,500 | 961 |
| Average equity | $71,891,000 | 1,072 |
| Average total loans | $504,504,500 | 929 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4949% | 1,889 |
| Cost of funding earning assets | 0.2192% | 5,602 |
| Net interest margin | 4.2758% | 1,099 |
| Noninterest income to average assets | 0.6869% | 2,361 |
| Noninterest expense to average assets | 3.5109% | 1,462 |
| Loan and lease loss provision to assets | 0.1105% | 2,321 |
| Net operating income to assets | 0.9343% | 2,705 |
| Return on assets (ROA) | 0.9461% | 2,738 |
| Pretax return on assets | 0.9461% | 3,712 |
| Return on Equity (ROE) | 10.1229% | 2,061 |
| Retained earnings to average equity (ytd only) | 4.8374% | 2,732 |
| Net charge-offs to loans | 0.0042% | 4,865 |
| Credit loss provision to net charge-offs | 3,970.0000% | 76 |
| Earnings coverage of net charge-offs (x) | 375.4000% | 146 |
| Efficiency ratio | 77.0664% | 2,344 |
| Assets per employee ($millions) | 4.2722% | 3,416 |
| Cash dividends to net income (ytd only)* | 52.2136% | 2,150 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0810% | 4,636 |
| Loan loss allowance to noncurrent loans | 136.1983% | 3,022 |
| Noncurrent assets plus other real estate owned to assets | 0.6930% | 3,497 |
| Noncurrent loans to loans | 0.7937% | 3,323 |
| Net loans and leases to total assets | 67.6870% | 2,607 |
| Net loans and leases to deposits | 79.4330% | 2,791 |
| Net loans and leases to core deposits | 81.4509% | 3,155 |
| Total domestic deposits to total assets | 85.2127% | 3,203 |
| Equity capital to assets | 9.6595% | 4,523 |
| Core capital (leverage) ratio | 9.2693% | 4,574 |
| Tier 1 risk-based capital ratio | 12.3174% | 5,143 |
| Total risk-based capital ratio | 13.2966% | 5,240 |
| Memoranda: | ||
| Average total assets | $718,612,200 | 935 |
| Average earning assets | $650,218,800 | 946 |
| Average equity | $67,164,400 | 1,101 |
| Average total loans | $477,288,200 | 928 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4760% | 1,964 |
| Cost of funding earning assets | 0.2222% | 5,645 |
| Net interest margin | 4.2538% | 1,146 |
| Noninterest income to average assets | 0.7735% | 2,002 |
| Noninterest expense to average assets | 3.5397% | 1,393 |
| Loan and lease loss provision to assets | 0.1106% | 2,200 |
| Net operating income to assets | 0.9682% | 2,604 |
| Return on assets (ROA) | 0.9835% | 2,589 |
| Pretax return on assets | 0.9835% | 3,656 |
| Return on Equity (ROE) | 10.6148% | 1,942 |
| Retained earnings to average equity (ytd only) | 3.9087% | 3,867 |
| Net charge-offs to loans | 0.0102% | 4,381 |
| Credit loss provision to net charge-offs | 1,644.4444% | 220 |
| Earnings coverage of net charge-offs (x) | 160.3571% | 387 |
| Efficiency ratio | 76.6417% | 2,394 |
| Assets per employee ($millions) | 4.1486% | 3,565 |
| Cash dividends to net income (ytd only)* | 63.1768% | 1,253 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0648% | 4,918 |
| Loan loss allowance to noncurrent loans | 125.6343% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.7344% | 3,614 |
| Noncurrent loans to loans | 0.8475% | 3,452 |
| Net loans and leases to total assets | 66.0438% | 2,861 |
| Net loans and leases to deposits | 82.9973% | 2,288 |
| Net loans and leases to core deposits | 85.0902% | 2,763 |
| Total domestic deposits to total assets | 79.5734% | 5,205 |
| Equity capital to assets | 9.3711% | 4,953 |
| Core capital (leverage) ratio | 9.3128% | 4,623 |
| Tier 1 risk-based capital ratio | 12.2655% | 5,320 |
| Total risk-based capital ratio | 13.2198% | 5,420 |
| Memoranda: | ||
| Average total assets | $713,491,250 | 949 |
| Average earning assets | $644,928,750 | 963 |
| Average equity | $66,107,250 | 1,120 |
| Average total loans | $470,175,500 | 947 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4393% | 2,042 |
| Cost of funding earning assets | 0.2252% | 5,702 |
| Net interest margin | 4.2142% | 1,204 |
| Noninterest income to average assets | 0.8415% | 1,695 |
| Noninterest expense to average assets | 3.6139% | 1,273 |
| Loan and lease loss provision to assets | 0.0635% | 3,000 |
| Net operating income to assets | 0.9646% | 2,478 |
| Return on assets (ROA) | 0.9924% | 2,427 |
| Pretax return on assets | 0.9924% | 3,509 |
| Return on Equity (ROE) | 10.7536% | 1,825 |
| Retained earnings to average equity (ytd only) | 2.7629% | 4,441 |
| Net charge-offs to loans | 0.0186% | 3,849 |
| Credit loss provision to net charge-offs | 520.9302% | 566 |
| Earnings coverage of net charge-offs (x) | 84.3023% | 629 |
| Efficiency ratio | 77.8518% | 2,311 |
| Assets per employee ($millions) | 3.8671% | 4,132 |
| Cash dividends to net income (ytd only)* | 74.3069% | 1,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0322% | 5,200 |
| Loan loss allowance to noncurrent loans | 139.2571% | 2,865 |
| Noncurrent assets plus other real estate owned to assets | 0.7387% | 3,749 |
| Noncurrent loans to loans | 0.7412% | 3,848 |
| Net loans and leases to total assets | 66.0332% | 2,744 |
| Net loans and leases to deposits | 78.2025% | 2,773 |
| Net loans and leases to core deposits | 80.0128% | 3,213 |
| Total domestic deposits to total assets | 84.4388% | 3,753 |
| Equity capital to assets | 9.6397% | 4,574 |
| Core capital (leverage) ratio | 9.5863% | 4,194 |
| Tier 1 risk-based capital ratio | 12.5577% | 5,189 |
| Total risk-based capital ratio | 13.4791% | 5,317 |
| Memoranda: | ||
| Average total assets | $705,170,330 | 957 |
| Average earning assets | $635,950,330 | 971 |
| Average equity | $65,076,000 | 1,125 |
| Average total loans | $462,583,330 | 958 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4277% | 2,032 |
| Cost of funding earning assets | 0.2261% | 5,788 |
| Net interest margin | 4.2016% | 1,212 |
| Noninterest income to average assets | 0.5762% | 2,878 |
| Noninterest expense to average assets | 3.6755% | 1,165 |
| Loan and lease loss provision to assets | 0.0852% | 2,485 |
| Net operating income to assets | 0.6069% | 4,166 |
| Return on assets (ROA) | 0.6120% | 4,227 |
| Pretax return on assets | 0.6120% | 4,793 |
| Return on Equity (ROE) | 6.7838% | 3,595 |
| Retained earnings to average equity (ytd only) | -3.4517% | 6,007 |
| Net charge-offs to loans | 0.0271% | 3,031 |
| Credit loss provision to net charge-offs | 483.8710% | 560 |
| Earnings coverage of net charge-offs (x) | 39.2903% | 887 |
| Efficiency ratio | 84.1530% | 1,652 |
| Assets per employee ($millions) | 3.6482% | 4,628 |
| Cash dividends to net income (ytd only)* | 150.8821% | 392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0750% | 5,227 |
| Loan loss allowance to noncurrent loans | 109.9132% | 3,392 |
| Noncurrent assets plus other real estate owned to assets | 0.7462% | 3,885 |
| Noncurrent loans to loans | 0.9780% | 3,468 |
| Net loans and leases to total assets | 64.2245% | 2,852 |
| Net loans and leases to deposits | 71.2123% | 3,441 |
| Net loans and leases to core deposits | 72.8593% | 3,777 |
| Total domestic deposits to total assets | 90.1873% | 977 |
| Equity capital to assets | 9.3486% | 4,703 |
| Core capital (leverage) ratio | 9.3654% | 4,487 |
| Tier 1 risk-based capital ratio | 13.0368% | 4,986 |
| Total risk-based capital ratio | 14.0022% | 5,094 |
| Memoranda: | ||
| Average total assets | $703,911,500 | 962 |
| Average earning assets | $635,181,000 | 979 |
| Average equity | $63,504,500 | 1,157 |
| Average total loans | $457,783,500 | 965 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4461% | 2,408 |
| Cost of funding earning assets | 0.2750% | 5,796 |
| Net interest margin | 4.1711% | 1,443 |
| Noninterest income to average assets | 0.5650% | 3,297 |
| Noninterest expense to average assets | 3.3634% | 1,965 |
| Loan and lease loss provision to assets | 0.0721% | 3,668 |
| Net operating income to assets | 0.9107% | 2,724 |
| Return on assets (ROA) | 0.8733% | 2,997 |
| Pretax return on assets | 0.8733% | 3,877 |
| Return on Equity (ROE) | 9.7067% | 2,230 |
| Retained earnings to average equity (ytd only) | 7.3889% | 1,278 |
| Net charge-offs to loans | 0.0634% | 4,328 |
| Credit loss provision to net charge-offs | 184.5878% | 1,241 |
| Earnings coverage of net charge-offs (x) | 25.1685% | 1,339 |
| Efficiency ratio | 77.3870% | 2,558 |
| Assets per employee ($millions) | 3.9906% | 3,884 |
| Cash dividends to net income (ytd only)* | 23.8782% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0030% | 5,547 |
| Loan loss allowance to noncurrent loans | 104.5910% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 0.7184% | 4,089 |
| Noncurrent loans to loans | 0.9589% | 3,596 |
| Net loans and leases to total assets | 64.4883% | 2,956 |
| Net loans and leases to deposits | 73.1624% | 3,374 |
| Net loans and leases to core deposits | 74.8405% | 3,755 |
| Total domestic deposits to total assets | 88.1441% | 2,094 |
| Equity capital to assets | 8.7078% | 5,357 |
| Core capital (leverage) ratio | 9.1107% | 4,840 |
| Tier 1 risk-based capital ratio | 12.6993% | 5,175 |
| Total risk-based capital ratio | 13.6088% | 5,313 |
| Memoranda: | ||
| Average total assets | $714,494,600 | 926 |
| Average earning assets | $647,695,000 | 935 |
| Average equity | $64,285,600 | 1,113 |
| Average total loans | $440,362,800 | 971 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3935% | 2,615 |
| Cost of funding earning assets | 0.2889% | 5,819 |
| Net interest margin | 4.1046% | 1,621 |
| Noninterest income to average assets | 0.5213% | 3,664 |
| Noninterest expense to average assets | 3.3132% | 2,045 |
| Loan and lease loss provision to assets | 0.0486% | 4,042 |
| Net operating income to assets | 0.8872% | 2,898 |
| Return on assets (ROA) | 0.8425% | 3,256 |
| Pretax return on assets | 0.8425% | 4,130 |
| Return on Equity (ROE) | 9.2891% | 2,500 |
| Retained earnings to average equity (ytd only) | 6.6830% | 2,047 |
| Net charge-offs to loans | 0.0744% | 3,877 |
| Credit loss provision to net charge-offs | 107.4380% | 2,184 |
| Earnings coverage of net charge-offs (x) | 20.6941% | 1,577 |
| Efficiency ratio | 77.9762% | 2,422 |
| Assets per employee ($millions) | 4.0902% | 3,654 |
| Cash dividends to net income (ytd only)* | 28.0549% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9814% | 5,801 |
| Loan loss allowance to noncurrent loans | 120.8153% | 3,002 |
| Noncurrent assets plus other real estate owned to assets | 0.5876% | 4,679 |
| Noncurrent loans to loans | 0.8123% | 4,210 |
| Net loans and leases to total assets | 62.3672% | 3,291 |
| Net loans and leases to deposits | 77.2654% | 2,780 |
| Net loans and leases to core deposits | 79.3900% | 3,191 |
| Total domestic deposits to total assets | 80.7181% | 5,298 |
| Equity capital to assets | 8.6227% | 5,601 |
| Core capital (leverage) ratio | 9.0280% | 5,084 |
| Tier 1 risk-based capital ratio | 12.7176% | 5,312 |
| Total risk-based capital ratio | 13.6066% | 5,479 |
| Memoranda: | ||
| Average total assets | $713,540,750 | 934 |
| Average earning assets | $648,008,250 | 940 |
| Average equity | $64,719,750 | 1,118 |
| Average total loans | $433,473,750 | 986 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3900% | 2,605 |
| Cost of funding earning assets | 0.3098% | 5,751 |
| Net interest margin | 4.0801% | 1,595 |
| Noninterest income to average assets | 0.4904% | 3,896 |
| Noninterest expense to average assets | 3.3222% | 2,012 |
| Loan and lease loss provision to assets | 0.0380% | 4,188 |
| Net operating income to assets | 0.8354% | 3,120 |
| Return on assets (ROA) | 0.7853% | 3,539 |
| Pretax return on assets | 0.7853% | 4,365 |
| Return on Equity (ROE) | 8.5150% | 2,840 |
| Retained earnings to average equity (ytd only) | 7.2933% | 1,750 |
| Net charge-offs to loans | 0.1009% | 3,354 |
| Credit loss provision to net charge-offs | 62.7907% | 2,967 |
| Earnings coverage of net charge-offs (x) | 14.4233% | 1,824 |
| Efficiency ratio | 79.1823% | 2,275 |
| Assets per employee ($millions) | 4.0574% | 3,672 |
| Cash dividends to net income (ytd only)* | 14.3472% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0102% | 5,779 |
| Loan loss allowance to noncurrent loans | 110.7260% | 3,203 |
| Noncurrent assets plus other real estate owned to assets | 0.8378% | 4,144 |
| Noncurrent loans to loans | 0.9123% | 4,101 |
| Net loans and leases to total assets | 60.7523% | 3,527 |
| Net loans and leases to deposits | 71.4099% | 3,529 |
| Net loans and leases to core deposits | 73.0167% | 3,924 |
| Total domestic deposits to total assets | 85.0754% | 3,856 |
| Equity capital to assets | 8.8958% | 5,329 |
| Core capital (leverage) ratio | 8.9622% | 5,058 |
| Tier 1 risk-based capital ratio | 13.0271% | 5,125 |
| Total risk-based capital ratio | 13.9298% | 5,312 |
| Memoranda: | ||
| Average total assets | $710,064,670 | 939 |
| Average earning assets | $644,836,330 | 942 |
| Average equity | $65,484,330 | 1,104 |
| Average total loans | $425,967,000 | 998 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 2,607 |
| Cost of funding earning assets | 0.3326% | 5,690 |
| Net interest margin | 4.0431% | 1,635 |
| Noninterest income to average assets | 0.4881% | 3,862 |
| Noninterest expense to average assets | 3.4080% | 1,817 |
| Loan and lease loss provision to assets | 0.0522% | 3,750 |
| Net operating income to assets | 0.6948% | 3,712 |
| Return on assets (ROA) | 0.5600% | 4,571 |
| Pretax return on assets | 0.5600% | 5,079 |
| Return on Equity (ROE) | 5.9679% | 4,064 |
| Retained earnings to average equity (ytd only) | 5.9679% | 2,694 |
| Net charge-offs to loans | 0.1184% | 2,717 |
| Credit loss provision to net charge-offs | 74.4000% | 2,237 |
| Earnings coverage of net charge-offs (x) | 10.6400% | 1,722 |
| Efficiency ratio | 82.0197% | 2,035 |
| Assets per employee ($millions) | 3.9780% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0644% | 5,734 |
| Loan loss allowance to noncurrent loans | 127.5295% | 2,731 |
| Noncurrent assets plus other real estate owned to assets | 0.8064% | 4,354 |
| Noncurrent loans to loans | 0.8346% | 4,454 |
| Net loans and leases to total assets | 58.7348% | 3,662 |
| Net loans and leases to deposits | 65.2485% | 4,158 |
| Net loans and leases to core deposits | 66.6284% | 4,454 |
| Total domestic deposits to total assets | 90.0171% | 1,037 |
| Equity capital to assets | 9.5505% | 4,781 |
| Core capital (leverage) ratio | 9.1358% | 4,660 |
| Tier 1 risk-based capital ratio | 13.0237% | 5,196 |
| Total risk-based capital ratio | 13.9564% | 5,374 |
| Memoranda: | ||
| Average total assets | $712,099,500 | 948 |
| Average earning assets | $645,835,500 | 945 |
| Average equity | $66,824,500 | 1,094 |
| Average total loans | $422,308,000 | 1,013 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7137% | 2,541 |
| Cost of funding earning assets | 0.4146% | 5,821 |
| Net interest margin | 4.2991% | 1,405 |
| Noninterest income to average assets | 0.7071% | 2,686 |
| Noninterest expense to average assets | 3.3542% | 2,178 |
| Loan and lease loss provision to assets | 0.0552% | 5,107 |
| Net operating income to assets | 1.1891% | 1,643 |
| Return on assets (ROA) | 1.2715% | 1,544 |
| Pretax return on assets | 1.2715% | 2,518 |
| Return on Equity (ROE) | 13.3064% | 1,154 |
| Retained earnings to average equity (ytd only) | 9.1780% | 771 |
| Net charge-offs to loans | 0.0662% | 5,023 |
| Credit loss provision to net charge-offs | 135.7576% | 2,045 |
| Earnings coverage of net charge-offs (x) | 30.5879% | 999 |
| Efficiency ratio | 72.9398% | 3,252 |
| Assets per employee ($millions) | 3.9322% | 4,073 |
| Cash dividends to net income (ytd only)* | 31.0258% | 3,329 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 5,806 |
| Loan loss allowance to noncurrent loans | 68.8257% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 1.0913% | 3,832 |
| Noncurrent loans to loans | 1.5134% | 3,334 |
| Net loans and leases to total assets | 59.5268% | 3,680 |
| Net loans and leases to deposits | 65.9756% | 4,292 |
| Net loans and leases to core deposits | 66.6559% | 4,675 |
| Total domestic deposits to total assets | 90.2255% | 835 |
| Equity capital to assets | 9.2378% | 5,228 |
| Core capital (leverage) ratio | 9.0395% | 4,832 |
| Tier 1 risk-based capital ratio | 12.1763% | 5,669 |
| Total risk-based capital ratio | 13.0867% | 5,849 |
| Memoranda: | ||
| Average total assets | $405,586,800 | 1,618 |
| Average earning assets | $367,124,200 | 1,630 |
| Average equity | $38,755,800 | 1,794 |
| Average total loans | $249,393,600 | 1,650 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8017% | 2,386 |
| Cost of funding earning assets | 0.4473% | 5,814 |
| Net interest margin | 4.3545% | 1,336 |
| Noninterest income to average assets | 0.7746% | 2,356 |
| Noninterest expense to average assets | 3.2337% | 2,473 |
| Loan and lease loss provision to assets | 0.0441% | 5,220 |
| Net operating income to assets | 1.4475% | 1,130 |
| Return on assets (ROA) | 1.5313% | 1,075 |
| Pretax return on assets | 1.5313% | 1,775 |
| Return on Equity (ROE) | 15.8775% | 758 |
| Retained earnings to average equity (ytd only) | 12.5602% | 431 |
| Net charge-offs to loans | 0.0893% | 4,486 |
| Credit loss provision to net charge-offs | 79.8780% | 3,621 |
| Earnings coverage of net charge-offs (x) | 27.0063% | 1,196 |
| Efficiency ratio | 68.4342% | 3,972 |
| Assets per employee ($millions) | 3.6783% | 4,589 |
| Cash dividends to net income (ytd only)* | 20.8930% | 3,003 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0472% | 5,904 |
| Loan loss allowance to noncurrent loans | 74.7155% | 4,038 |
| Noncurrent assets plus other real estate owned to assets | 0.9384% | 4,411 |
| Noncurrent loans to loans | 1.4016% | 3,696 |
| Net loans and leases to total assets | 64.0298% | 3,023 |
| Net loans and leases to deposits | 73.2355% | 3,409 |
| Net loans and leases to core deposits | 74.1743% | 3,959 |
| Total domestic deposits to total assets | 87.4301% | 2,398 |
| Equity capital to assets | 10.4683% | 3,884 |
| Core capital (leverage) ratio | 9.2784% | 4,624 |
| Tier 1 risk-based capital ratio | 13.0607% | 5,199 |
| Total risk-based capital ratio | 14.0039% | 5,401 |
| Memoranda: | ||
| Average total assets | $395,899,000 | 1,676 |
| Average earning assets | $359,194,250 | 1,683 |
| Average equity | $38,183,000 | 1,837 |
| Average total loans | $244,921,000 | 1,697 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7894% | 2,547 |
| Cost of funding earning assets | 0.4639% | 5,878 |
| Net interest margin | 4.3256% | 1,404 |
| Noninterest income to average assets | 0.7617% | 2,365 |
| Noninterest expense to average assets | 3.2040% | 2,572 |
| Loan and lease loss provision to assets | 0.0177% | 5,443 |
| Net operating income to assets | 1.4687% | 1,049 |
| Return on assets (ROA) | 1.4965% | 1,116 |
| Pretax return on assets | 1.4965% | 1,855 |
| Return on Equity (ROE) | 15.9736% | 774 |
| Retained earnings to average equity (ytd only) | 10.8452% | 774 |
| Net charge-offs to loans | 0.0125% | 5,278 |
| Credit loss provision to net charge-offs | 233.3333% | 1,219 |
| Earnings coverage of net charge-offs (x) | 195.9333% | 229 |
| Efficiency ratio | 68.3093% | 4,066 |
| Assets per employee ($millions) | 3.7083% | 4,504 |
| Cash dividends to net income (ytd only)* | 32.1054% | 2,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1231% | 5,678 |
| Loan loss allowance to noncurrent loans | 99.3488% | 3,211 |
| Noncurrent assets plus other real estate owned to assets | 0.7198% | 4,996 |
| Noncurrent loans to loans | 1.1305% | 4,267 |
| Net loans and leases to total assets | 60.9280% | 3,637 |
| Net loans and leases to deposits | 68.0235% | 4,197 |
| Net loans and leases to core deposits | 68.8737% | 4,687 |
| Total domestic deposits to total assets | 89.5690% | 1,182 |
| Equity capital to assets | 9.7642% | 4,679 |
| Core capital (leverage) ratio | 9.1292% | 4,720 |
| Tier 1 risk-based capital ratio | 12.9043% | 5,253 |
| Total risk-based capital ratio | 13.8973% | 5,436 |
| Memoranda: | ||
| Average total assets | $395,446,330 | 1,675 |
| Average earning assets | $359,165,670 | 1,684 |
| Average equity | $37,048,670 | 1,878 |
| Average total loans | $240,876,330 | 1,713 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8215% | 2,552 |
| Cost of funding earning assets | 0.4795% | 5,945 |
| Net interest margin | 4.3421% | 1,351 |
| Noninterest income to average assets | 0.7761% | 2,269 |
| Noninterest expense to average assets | 3.1856% | 2,649 |
| Loan and lease loss provision to assets | 0.0355% | 4,935 |
| Net operating income to assets | 1.4915% | 1,038 |
| Return on assets (ROA) | 1.6769% | 837 |
| Pretax return on assets | 1.6769% | 1,365 |
| Return on Equity (ROE) | 18.2865% | 519 |
| Retained earnings to average equity (ytd only) | 18.2865% | 241 |
| Net charge-offs to loans | 0.0134% | 4,512 |
| Credit loss provision to net charge-offs | 437.5000% | 735 |
| Earnings coverage of net charge-offs (x) | 188.3750% | 191 |
| Efficiency ratio | 67.5984% | 4,251 |
| Assets per employee ($millions) | 3.5265% | 5,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1661% | 5,652 |
| Loan loss allowance to noncurrent loans | 94.0855% | 3,224 |
| Noncurrent assets plus other real estate owned to assets | 0.8092% | 4,924 |
| Noncurrent loans to loans | 1.2394% | 4,265 |
| Net loans and leases to total assets | 60.1293% | 3,637 |
| Net loans and leases to deposits | 67.0052% | 4,231 |
| Net loans and leases to core deposits | 67.7411% | 4,710 |
| Total domestic deposits to total assets | 89.7382% | 1,223 |
| Equity capital to assets | 9.5410% | 4,736 |
| Core capital (leverage) ratio | 9.0638% | 4,745 |
| Tier 1 risk-based capital ratio | 13.0433% | 5,184 |
| Total risk-based capital ratio | 14.0592% | 5,330 |
| Memoranda: | ||
| Average total assets | $394,775,500 | 1,684 |
| Average earning assets | $357,893,500 | 1,692 |
| Average equity | $36,201,500 | 1,918 |
| Average total loans | $239,064,000 | 1,726 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0753% | 2,550 |
| Cost of funding earning assets | 0.7565% | 5,164 |
| Net interest margin | 4.3188% | 1,638 |
| Noninterest income to average assets | 0.8408% | 1,879 |
| Noninterest expense to average assets | 3.4820% | 2,028 |
| Loan and lease loss provision to assets | 0.0928% | 5,437 |
| Net operating income to assets | 1.1808% | 1,566 |
| Return on assets (ROA) | 1.3876% | 1,140 |
| Pretax return on assets | 1.3876% | 1,819 |
| Return on Equity (ROE) | 16.6297% | 516 |
| Retained earnings to average equity (ytd only) | 11.8883% | 315 |
| Net charge-offs to loans | 0.0915% | 5,425 |
| Credit loss provision to net charge-offs | 171.7073% | 1,552 |
| Earnings coverage of net charge-offs (x) | 23.5561% | 1,017 |
| Efficiency ratio | 73.2183% | 3,355 |
| Assets per employee ($millions) | 3.7890% | 4,346 |
| Cash dividends to net income (ytd only)* | 28.5117% | 3,185 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 5,714 |
| Loan loss allowance to noncurrent loans | 113.0705% | 2,743 |
| Noncurrent assets plus other real estate owned to assets | 0.6401% | 5,375 |
| Noncurrent loans to loans | 0.9954% | 4,715 |
| Net loans and leases to total assets | 59.6064% | 4,058 |
| Net loans and leases to deposits | 65.8383% | 4,763 |
| Net loans and leases to core deposits | 66.4994% | 5,206 |
| Total domestic deposits to total assets | 90.5344% | 700 |
| Equity capital to assets | 8.8120% | 5,781 |
| Core capital (leverage) ratio | 8.5826% | 5,429 |
| Tier 1 risk-based capital ratio | 12.0630% | 5,791 |
| Total risk-based capital ratio | 13.0391% | 5,948 |
| Memoranda: | ||
| Average total assets | $379,154,800 | 1,709 |
| Average earning assets | $343,685,600 | 1,737 |
| Average equity | $31,636,200 | 2,099 |
| Average total loans | $224,097,400 | 1,844 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1188% | 2,520 |
| Cost of funding earning assets | 0.7260% | 5,618 |
| Net interest margin | 4.3928% | 1,428 |
| Noninterest income to average assets | 0.9013% | 1,649 |
| Noninterest expense to average assets | 3.3217% | 2,431 |
| Loan and lease loss provision to assets | 0.1178% | 4,964 |
| Net operating income to assets | 1.4488% | 1,055 |
| Return on assets (ROA) | 1.4503% | 1,121 |
| Pretax return on assets | 1.4503% | 1,784 |
| Return on Equity (ROE) | 17.6472% | 491 |
| Retained earnings to average equity (ytd only) | 11.1321% | 608 |
| Net charge-offs to loans | 0.0036% | 6,143 |
| Credit loss provision to net charge-offs | 5,500.0000% | 54 |
| Earnings coverage of net charge-offs (x) | 731.4813% | 44 |
| Efficiency ratio | 67.9518% | 4,332 |
| Assets per employee ($millions) | 3.7606% | 4,384 |
| Cash dividends to net income (ytd only)* | 36.9185% | 2,172 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 5,243 |
| Loan loss allowance to noncurrent loans | 103.2361% | 2,876 |
| Noncurrent assets plus other real estate owned to assets | 0.7835% | 5,210 |
| Noncurrent loans to loans | 1.2119% | 4,522 |
| Net loans and leases to total assets | 59.1555% | 4,296 |
| Net loans and leases to deposits | 67.9991% | 4,604 |
| Net loans and leases to core deposits | 68.9660% | 5,067 |
| Total domestic deposits to total assets | 86.9944% | 2,664 |
| Equity capital to assets | 9.0063% | 5,756 |
| Core capital (leverage) ratio | 8.4987% | 5,715 |
| Tier 1 risk-based capital ratio | 12.3025% | 5,664 |
| Total risk-based capital ratio | 13.4021% | 5,772 |
| Memoranda: | ||
| Average total assets | $373,534,750 | 1,742 |
| Average earning assets | $339,029,500 | 1,761 |
| Average equity | $30,697,250 | 2,155 |
| Average total loans | $219,590,500 | 1,890 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1035% | 2,666 |
| Cost of funding earning assets | 0.7478% | 5,685 |
| Net interest margin | 4.3558% | 1,498 |
| Noninterest income to average assets | 0.8994% | 1,648 |
| Noninterest expense to average assets | 3.3762% | 2,326 |
| Loan and lease loss provision to assets | 0.1128% | 4,882 |
| Net operating income to assets | 1.3607% | 1,164 |
| Return on assets (ROA) | 1.4073% | 1,126 |
| Pretax return on assets | 1.4073% | 1,778 |
| Return on Equity (ROE) | 17.7193% | 484 |
| Retained earnings to average equity (ytd only) | 10.2111% | 802 |
| Net charge-offs to loans | 0.0278% | 5,439 |
| Credit loss provision to net charge-offs | 693.3333% | 460 |
| Earnings coverage of net charge-offs (x) | 90.6000% | 393 |
| Efficiency ratio | 69.6177% | 4,183 |
| Assets per employee ($millions) | 3.6562% | 4,549 |
| Cash dividends to net income (ytd only)* | 42.3729% | 1,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2591% | 5,262 |
| Loan loss allowance to noncurrent loans | 97.7660% | 2,956 |
| Noncurrent assets plus other real estate owned to assets | 0.8492% | 5,172 |
| Noncurrent loans to loans | 1.2879% | 4,514 |
| Net loans and leases to total assets | 57.9730% | 4,631 |
| Net loans and leases to deposits | 64.9777% | 5,157 |
| Net loans and leases to core deposits | 65.8910% | 5,529 |
| Total domestic deposits to total assets | 89.2198% | 1,405 |
| Equity capital to assets | 8.3951% | 6,311 |
| Core capital (leverage) ratio | 8.3815% | 5,738 |
| Tier 1 risk-based capital ratio | 12.1619% | 5,652 |
| Total risk-based capital ratio | 13.2293% | 5,775 |
| Memoranda: | ||
| Average total assets | $368,932,330 | 1,774 |
| Average earning assets | $334,590,670 | 1,787 |
| Average equity | $29,301,330 | 2,219 |
| Average total loans | $215,441,670 | 1,941 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0344% | 2,932 |
| Cost of funding earning assets | 0.7517% | 5,844 |
| Net interest margin | 4.2828% | 1,610 |
| Noninterest income to average assets | 0.7969% | 2,049 |
| Noninterest expense to average assets | 3.3783% | 2,336 |
| Loan and lease loss provision to assets | 0.1526% | 4,115 |
| Net operating income to assets | 1.1479% | 1,673 |
| Return on assets (ROA) | 1.1359% | 1,760 |
| Pretax return on assets | 1.1359% | 2,621 |
| Return on Equity (ROE) | 14.7290% | 869 |
| Retained earnings to average equity (ytd only) | 14.7290% | 418 |
| Net charge-offs to loans | 0.0880% | 4,070 |
| Credit loss provision to net charge-offs | 297.8723% | 1,083 |
| Earnings coverage of net charge-offs (x) | 25.3830% | 966 |
| Efficiency ratio | 72.2041% | 3,818 |
| Assets per employee ($millions) | 3.6225% | 4,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2767% | 5,258 |
| Loan loss allowance to noncurrent loans | 91.9793% | 3,112 |
| Noncurrent assets plus other real estate owned to assets | 0.8716% | 5,163 |
| Noncurrent loans to loans | 1.3880% | 4,389 |
| Net loans and leases to total assets | 55.3781% | 5,096 |
| Net loans and leases to deposits | 61.4478% | 5,575 |
| Net loans and leases to core deposits | 62.1990% | 5,907 |
| Total domestic deposits to total assets | 90.1221% | 1,083 |
| Equity capital to assets | 7.8286% | 6,655 |
| Core capital (leverage) ratio | 8.2265% | 5,944 |
| Tier 1 risk-based capital ratio | 12.5551% | 5,212 |
| Total risk-based capital ratio | 13.6386% | 5,349 |
| Memoranda: | ||
| Average total assets | $366,931,500 | 1,795 |
| Average earning assets | $332,589,500 | 1,805 |
| Average equity | $28,298,000 | 2,284 |
| Average total loans | $213,683,500 | 1,982 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2786% | 3,225 |
| Cost of funding earning assets | 0.9276% | 6,041 |
| Net interest margin | 4.3510% | 1,642 |
| Noninterest income to average assets | 0.7494% | 2,546 |
| Noninterest expense to average assets | 3.5832% | 1,966 |
| Loan and lease loss provision to assets | 0.0071% | 7,007 |
| Net operating income to assets | 1.0531% | 1,864 |
| Return on assets (ROA) | 1.1319% | 1,684 |
| Pretax return on assets | 1.1319% | 2,457 |
| Return on Equity (ROE) | 14.5298% | 787 |
| Retained earnings to average equity (ytd only) | 13.3478% | 192 |
| Net charge-offs to loans | 0.0102% | 6,731 |
| Credit loss provision to net charge-offs | 113.6364% | 3,829 |
| Earnings coverage of net charge-offs (x) | 170.0909% | 150 |
| Efficiency ratio | 77.1676% | 2,845 |
| Assets per employee ($millions) | 3.4687% | 5,009 |
| Cash dividends to net income (ytd only)* | 8.1352% | 3,809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1826% | 5,597 |
| Loan loss allowance to noncurrent loans | 67.3544% | 4,034 |
| Noncurrent assets plus other real estate owned to assets | 1.1058% | 4,800 |
| Noncurrent loans to loans | 1.7559% | 3,872 |
| Net loans and leases to total assets | 59.7348% | 4,719 |
| Net loans and leases to deposits | 66.1586% | 5,380 |
| Net loans and leases to core deposits | 66.8529% | 5,791 |
| Total domestic deposits to total assets | 90.2904% | 942 |
| Equity capital to assets | 7.5915% | 6,824 |
| Core capital (leverage) ratio | 8.3369% | 5,631 |
| Tier 1 risk-based capital ratio | 12.2966% | 5,210 |
| Total risk-based capital ratio | 13.3567% | 5,363 |
| Memoranda: | ||
| Average total assets | $352,952,600 | 1,851 |
| Average earning assets | $315,881,600 | 1,879 |
| Average equity | $27,495,200 | 2,343 |
| Average total loans | $216,294,600 | 1,999 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3121% | 3,290 |
| Cost of funding earning assets | 0.9713% | 6,073 |
| Net interest margin | 4.3408% | 1,712 |
| Noninterest income to average assets | 0.7198% | 2,706 |
| Noninterest expense to average assets | 3.3154% | 2,528 |
| Loan and lease loss provision to assets | 0.0000% | 6,977 |
| Net operating income to assets | 1.2835% | 1,365 |
| Return on assets (ROA) | 1.1992% | 1,677 |
| Pretax return on assets | 1.1992% | 2,490 |
| Return on Equity (ROE) | 15.2938% | 814 |
| Retained earnings to average equity (ytd only) | 13.7194% | 294 |
| Net charge-offs to loans | 0.0117% | 6,503 |
| Credit loss provision to net charge-offs | 0.0000% | 6,367 |
| Earnings coverage of net charge-offs (x) | 177.8610% | 182 |
| Efficiency ratio | 72.0905% | 3,679 |
| Assets per employee ($millions) | 3.3274% | 5,387 |
| Cash dividends to net income (ytd only)* | 10.2945% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1854% | 5,562 |
| Loan loss allowance to noncurrent loans | 72.7040% | 3,675 |
| Noncurrent assets plus other real estate owned to assets | 1.1279% | 4,861 |
| Noncurrent loans to loans | 1.6305% | 4,203 |
| Net loans and leases to total assets | 61.5928% | 4,616 |
| Net loans and leases to deposits | 69.0289% | 5,270 |
| Net loans and leases to core deposits | 69.7356% | 5,772 |
| Total domestic deposits to total assets | 89.2276% | 1,273 |
| Equity capital to assets | 8.4889% | 6,287 |
| Core capital (leverage) ratio | 8.4548% | 5,592 |
| Tier 1 risk-based capital ratio | 11.8692% | 5,574 |
| Total risk-based capital ratio | 12.9129% | 5,751 |
| Memoranda: | ||
| Average total assets | $351,004,250 | 1,894 |
| Average earning assets | $313,663,500 | 1,921 |
| Average equity | $27,522,500 | 2,375 |
| Average total loans | $215,850,750 | 2,039 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2235% | 3,829 |
| Cost of funding earning assets | 1.0147% | 6,075 |
| Net interest margin | 4.2088% | 2,130 |
| Noninterest income to average assets | 0.7032% | 2,684 |
| Noninterest expense to average assets | 3.2672% | 2,667 |
| Loan and lease loss provision to assets | 0.0000% | 6,857 |
| Net operating income to assets | 1.1881% | 1,588 |
| Return on assets (ROA) | 1.0622% | 2,048 |
| Pretax return on assets | 1.0622% | 2,893 |
| Return on Equity (ROE) | 13.9232% | 1,057 |
| Retained earnings to average equity (ytd only) | 13.9232% | 311 |
| Net charge-offs to loans | 0.0602% | 5,548 |
| Credit loss provision to net charge-offs | 0.0000% | 6,004 |
| Earnings coverage of net charge-offs (x) | 32.2308% | 872 |
| Efficiency ratio | 73.3325% | 3,592 |
| Assets per employee ($millions) | 3.2044% | 5,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1597% | 5,651 |
| Loan loss allowance to noncurrent loans | 71.0608% | 3,797 |
| Noncurrent assets plus other real estate owned to assets | 1.1399% | 4,852 |
| Noncurrent loans to loans | 1.6320% | 4,262 |
| Net loans and leases to total assets | 61.8647% | 4,710 |
| Net loans and leases to deposits | 69.0114% | 5,414 |
| Net loans and leases to core deposits | 69.8830% | 5,882 |
| Total domestic deposits to total assets | 89.6442% | 1,101 |
| Equity capital to assets | 8.0846% | 6,670 |
| Core capital (leverage) ratio | 8.0884% | 6,140 |
| Tier 1 risk-based capital ratio | 11.4391% | 5,835 |
| Total risk-based capital ratio | 12.4609% | 6,012 |
| Memoranda: | ||
| Average total assets | $352,655,670 | 1,895 |
| Average earning assets | $314,388,000 | 1,934 |
| Average equity | $26,904,670 | 2,417 |
| Average total loans | $215,901,330 | 2,069 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0735% | 4,663 |
| Cost of funding earning assets | 1.0896% | 5,961 |
| Net interest margin | 3.9839% | 2,939 |
| Noninterest income to average assets | 0.6765% | 2,768 |
| Noninterest expense to average assets | 3.1657% | 2,986 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.0485% | 2,008 |
| Return on assets (ROA) | 0.7990% | 3,071 |
| Pretax return on assets | 0.7990% | 3,870 |
| Return on Equity (ROE) | 10.7860% | 1,840 |
| Retained earnings to average equity (ytd only) | 10.7860% | 965 |
| Net charge-offs to loans | 0.0130% | 5,399 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 133.2857% | 247 |
| Efficiency ratio | 75.1200% | 3,379 |
| Assets per employee ($millions) | 3.3250% | 5,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2252% | 5,362 |
| Loan loss allowance to noncurrent loans | 89.2014% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 0.9209% | 5,307 |
| Noncurrent loans to loans | 1.3735% | 4,678 |
| Net loans and leases to total assets | 59.3230% | 5,238 |
| Net loans and leases to deposits | 65.8329% | 5,843 |
| Net loans and leases to core deposits | 66.7136% | 6,234 |
| Total domestic deposits to total assets | 90.1115% | 933 |
| Equity capital to assets | 7.6515% | 6,967 |
| Core capital (leverage) ratio | 7.7352% | 6,587 |
| Tier 1 risk-based capital ratio | 11.0927% | 6,069 |
| Total risk-based capital ratio | 12.1498% | 6,231 |
| Memoranda: | ||
| Average total assets | $355,945,500 | 1,926 |
| Average earning assets | $316,074,500 | 1,972 |
| Average equity | $26,367,500 | 2,477 |
| Average total loans | $215,546,500 | 2,122 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7888% | 2,704 |
| Cost of funding earning assets | 1.4893% | 5,555 |
| Net interest margin | 4.2995% | 1,722 |
| Noninterest income to average assets | 0.7660% | 2,581 |
| Noninterest expense to average assets | 3.5927% | 2,162 |
| Loan and lease loss provision to assets | 0.1263% | 6,375 |
| Net operating income to assets | 0.9058% | 2,160 |
| Return on assets (ROA) | 0.1974% | 4,973 |
| Pretax return on assets | 0.1974% | 5,008 |
| Return on Equity (ROE) | 2.8595% | 4,569 |
| Retained earnings to average equity (ytd only) | -3.2524% | 5,745 |
| Net charge-offs to loans | -0.0071% | 7,731 |
| Credit loss provision to net charge-offs | -2,618.7500% | 7,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6844% | 3,246 |
| Assets per employee ($millions) | 3.3282% | 5,436 |
| Cash dividends to net income (ytd only)* | 213.7405% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 5,566 |
| Loan loss allowance to noncurrent loans | 91.0891% | 3,068 |
| Noncurrent assets plus other real estate owned to assets | 0.8846% | 5,332 |
| Noncurrent loans to loans | 1.2772% | 4,792 |
| Net loans and leases to total assets | 60.3244% | 5,287 |
| Net loans and leases to deposits | 68.1907% | 5,802 |
| Net loans and leases to core deposits | 75.8885% | 6,407 |
| Total domestic deposits to total assets | 88.4643% | 1,745 |
| Equity capital to assets | 7.1731% | 7,282 |
| Core capital (leverage) ratio | 7.6418% | 6,630 |
| Tier 1 risk-based capital ratio | 10.3048% | 6,583 |
| Total risk-based capital ratio | 11.3162% | 6,781 |
| Memoranda: | ||
| Average total assets | $331,863,800 | 2,043 |
| Average earning assets | $297,850,600 | 2,088 |
| Average equity | $22,906,400 | 2,838 |
| Average total loans | $224,056,400 | 2,070 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9158% | 2,379 |
| Cost of funding earning assets | 1.5531% | 5,616 |
| Net interest margin | 4.3627% | 1,552 |
| Noninterest income to average assets | 0.7959% | 2,449 |
| Noninterest expense to average assets | 3.6284% | 1,967 |
| Loan and lease loss provision to assets | 0.1641% | 5,712 |
| Net operating income to assets | 0.9251% | 2,326 |
| Return on assets (ROA) | -0.0436% | 5,841 |
| Pretax return on assets | -0.0436% | 5,776 |
| Return on Equity (ROE) | -0.6387% | 5,875 |
| Retained earnings to average equity (ytd only) | -9.0745% | 6,711 |
| Net charge-offs to loans | -0.0160% | 7,737 |
| Credit loss provision to net charge-offs | -1,477.7778% | 7,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9117% | 3,337 |
| Assets per employee ($millions) | 2.9884% | 6,191 |
| Cash dividends to net income (ytd only)* | -1,320.7528% | 8,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1397% | 5,478 |
| Loan loss allowance to noncurrent loans | 85.8289% | 3,180 |
| Noncurrent assets plus other real estate owned to assets | 1.0339% | 5,008 |
| Noncurrent loans to loans | 1.3279% | 4,715 |
| Net loans and leases to total assets | 69.0168% | 3,706 |
| Net loans and leases to deposits | 80.0038% | 4,384 |
| Net loans and leases to core deposits | 92.6867% | 5,169 |
| Total domestic deposits to total assets | 86.2669% | 2,561 |
| Equity capital to assets | 7.0097% | 7,592 |
| Core capital (leverage) ratio | 7.1450% | 7,311 |
| Tier 1 risk-based capital ratio | 9.2545% | 7,512 |
| Total risk-based capital ratio | 10.2884% | 7,616 |
| Memoranda: | ||
| Average total assets | $324,137,250 | 2,100 |
| Average earning assets | $291,371,750 | 2,130 |
| Average equity | $22,127,500 | 2,960 |
| Average total loans | $224,716,750 | 2,095 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9079% | 2,551 |
| Cost of funding earning assets | 1.5623% | 5,874 |
| Net interest margin | 4.3456% | 1,538 |
| Noninterest income to average assets | 0.7763% | 2,543 |
| Noninterest expense to average assets | 3.5915% | 2,089 |
| Loan and lease loss provision to assets | 0.2089% | 4,952 |
| Net operating income to assets | 0.8836% | 2,518 |
| Return on assets (ROA) | -0.2144% | 6,230 |
| Pretax return on assets | -0.2144% | 6,140 |
| Return on Equity (ROE) | -3.1691% | 6,381 |
| Retained earnings to average equity (ytd only) | -15.9184% | 7,293 |
| Net charge-offs to loans | -0.0062% | 7,551 |
| Credit loss provision to net charge-offs | -4,842.8571% | 7,236 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6772% | 3,569 |
| Assets per employee ($millions) | 2.8801% | 6,446 |
| Cash dividends to net income (ytd only)* | -402.2989% | 8,154 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 5,481 |
| Loan loss allowance to noncurrent loans | 869.9301% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.1230% | 7,254 |
| Noncurrent loans to loans | 0.1284% | 7,194 |
| Net loans and leases to total assets | 70.1747% | 3,660 |
| Net loans and leases to deposits | 83.6071% | 3,950 |
| Net loans and leases to core deposits | 101.5217% | 4,341 |
| Total domestic deposits to total assets | 83.9339% | 3,808 |
| Equity capital to assets | 6.9502% | 7,635 |
| Core capital (leverage) ratio | 6.9429% | 7,577 |
| Tier 1 risk-based capital ratio | 9.2994% | 7,536 |
| Total risk-based capital ratio | 10.3166% | 7,676 |
| Memoranda: | ||
| Average total assets | $324,599,000 | 2,124 |
| Average earning assets | $291,880,670 | 2,157 |
| Average equity | $21,962,000 | 2,975 |
| Average total loans | $224,515,330 | 2,126 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8822% | 2,885 |
| Cost of funding earning assets | 1.5621% | 6,191 |
| Net interest margin | 4.3201% | 1,545 |
| Noninterest income to average assets | 0.7771% | 2,447 |
| Noninterest expense to average assets | 3.3474% | 2,506 |
| Loan and lease loss provision to assets | 0.3383% | 3,296 |
| Net operating income to assets | 0.9675% | 2,453 |
| Return on assets (ROA) | 1.2621% | 1,573 |
| Pretax return on assets | 1.2621% | 2,399 |
| Return on Equity (ROE) | 18.8985% | 514 |
| Retained earnings to average equity (ytd only) | 14.3600% | 483 |
| Net charge-offs to loans | -0.0195% | 7,432 |
| Credit loss provision to net charge-offs | -2,536.3636% | 6,659 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9385% | 4,207 |
| Assets per employee ($millions) | 2.9719% | 6,230 |
| Cash dividends to net income (ytd only)* | 24.0154% | 2,471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 5,465 |
| Loan loss allowance to noncurrent loans | 155.8974% | 2,083 |
| Noncurrent assets plus other real estate owned to assets | 0.5124% | 5,931 |
| Noncurrent loans to loans | 0.7060% | 5,649 |
| Net loans and leases to total assets | 67.4565% | 4,254 |
| Net loans and leases to deposits | 79.6404% | 4,668 |
| Net loans and leases to core deposits | 96.3237% | 4,926 |
| Total domestic deposits to total assets | 84.7014% | 3,360 |
| Equity capital to assets | 6.5543% | 7,854 |
| Core capital (leverage) ratio | 7.6732% | 6,923 |
| Tier 1 risk-based capital ratio | 10.2272% | 6,683 |
| Total risk-based capital ratio | 11.2109% | 6,874 |
| Memoranda: | ||
| Average total assets | $329,931,000 | 2,113 |
| Average earning assets | $296,011,500 | 2,146 |
| Average equity | $22,033,500 | 2,971 |
| Average total loans | $225,377,500 | 2,137 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7056% | 2,008 |
| Cost of funding earning assets | 2.2711% | 5,285 |
| Net interest margin | 4.4346% | 1,579 |
| Noninterest income to average assets | 0.8048% | 2,490 |
| Noninterest expense to average assets | 3.4860% | 2,435 |
| Loan and lease loss provision to assets | 0.1231% | 5,784 |
| Net operating income to assets | 1.1482% | 1,951 |
| Return on assets (ROA) | 1.1469% | 1,881 |
| Pretax return on assets | 1.1498% | 2,835 |
| Return on Equity (ROE) | 16.0194% | 773 |
| Retained earnings to average equity (ytd only) | 7.7540% | 916 |
| Net charge-offs to loans | 0.0702% | 5,767 |
| Credit loss provision to net charge-offs | 254.9020% | 1,828 |
| Earnings coverage of net charge-offs (x) | 26.3856% | 1,291 |
| Efficiency ratio | 73.2197% | 3,708 |
| Assets per employee ($millions) | 3.0819% | 5,828 |
| Cash dividends to net income (ytd only)* | 51.5960% | 3,048 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9321% | 6,495 |
| Loan loss allowance to noncurrent loans | 2,254.7368% | 267 |
| Noncurrent assets plus other real estate owned to assets | 0.0580% | 7,338 |
| Noncurrent loans to loans | 0.0413% | 7,335 |
| Net loans and leases to total assets | 67.7724% | 4,499 |
| Net loans and leases to deposits | 79.9317% | 5,056 |
| Net loans and leases to core deposits | 93.8607% | 5,458 |
| Total domestic deposits to total assets | 84.7879% | 2,939 |
| Equity capital to assets | 6.7977% | 7,833 |
| Core capital (leverage) ratio | 7.5482% | 7,143 |
| Tier 1 risk-based capital ratio | 9.6110% | 7,195 |
| Total risk-based capital ratio | 10.4516% | 7,566 |
| Memoranda: | ||
| Average total assets | $316,840,600 | 2,114 |
| Average earning assets | $282,599,000 | 2,157 |
| Average equity | $22,685,000 | 2,882 |
| Average total loans | $218,072,200 | 2,148 |