Home > Choice Bank > Performance and Condition Ratios
Choice Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7517% | 2,265 |
| Cost of funding earning assets | 1.7378% | 174 |
| Net interest margin | 3.0138% | 4,604 |
| Noninterest income to average assets | 0.3086% | 3,899 |
| Noninterest expense to average assets | 1.5906% | 5,011 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.1501% | 2,364 |
| Return on assets (ROA) | 1.1501% | 2,453 |
| Pretax return on assets | 1.5567% | 1,789 |
| Return on Equity (ROE) | 11.7765% | 1,695 |
| Retained earnings to average equity (ytd only) | 6.7612% | 1,973 |
| Net charge-offs to loans | -0.1048% | 5,001 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5398% | 4,708 |
| Assets per employee ($millions) | 12.1219% | 210 |
| Cash dividends to net income (ytd only)* | 42.5872% | 2,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3017% | 1,959 |
| Loan loss allowance to noncurrent loans | 2,846.5839% | 245 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 4,539 |
| Noncurrent loans to loans | 0.0457% | 4,446 |
| Net loans and leases to total assets | 79.6295% | 896 |
| Net loans and leases to deposits | 112.9507% | 157 |
| Net loans and leases to core deposits | 142.2877% | 165 |
| Total domestic deposits to total assets | 70.4993% | 4,975 |
| Equity capital to assets | 10.1325% | 3,882 |
| Core capital (leverage) ratio | 10.0377% | 3,605 |
| Tier 1 risk-based capital ratio | 13.9948% | 3,337 |
| Total risk-based capital ratio | 15.2474% | 3,250 |
| Memoranda: | ||
| Average total assets | $435,537,250 | 1,617 |
| Average earning assets | $410,231,000 | 1,590 |
| Average equity | $42,535,750 | 1,841 |
| Average total loans | $344,668,750 | 1,451 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6734% | 2,440 |
| Cost of funding earning assets | 1.7147% | 173 |
| Net interest margin | 2.9587% | 4,748 |
| Noninterest income to average assets | 0.3065% | 3,877 |
| Noninterest expense to average assets | 1.6611% | 5,014 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.0582% | 2,687 |
| Return on assets (ROA) | 1.0582% | 2,751 |
| Pretax return on assets | 1.4323% | 2,096 |
| Return on Equity (ROE) | 10.9731% | 1,984 |
| Retained earnings to average equity (ytd only) | 3.3496% | 3,557 |
| Net charge-offs to loans | -0.1596% | 5,095 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6988% | 4,505 |
| Assets per employee ($millions) | 11.6873% | 225 |
| Cash dividends to net income (ytd only)* | 69.4746% | 1,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3127% | 1,955 |
| Loan loss allowance to noncurrent loans | 2,795.7317% | 254 |
| Noncurrent assets plus other real estate owned to assets | 0.0369% | 4,581 |
| Noncurrent loans to loans | 0.0470% | 4,478 |
| Net loans and leases to total assets | 77.6128% | 1,290 |
| Net loans and leases to deposits | 109.7166% | 227 |
| Net loans and leases to core deposits | 137.5732% | 218 |
| Total domestic deposits to total assets | 70.7394% | 5,023 |
| Equity capital to assets | 9.6164% | 4,301 |
| Core capital (leverage) ratio | 9.7072% | 3,927 |
| Tier 1 risk-based capital ratio | 13.2464% | 3,713 |
| Total risk-based capital ratio | 14.4984% | 3,620 |
| Memoranda: | ||
| Average total assets | $435,253,000 | 1,614 |
| Average earning assets | $409,981,670 | 1,594 |
| Average equity | $41,975,330 | 1,862 |
| Average total loans | $342,199,000 | 1,465 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6551% | 2,363 |
| Cost of funding earning assets | 1.6651% | 178 |
| Net interest margin | 2.9900% | 4,767 |
| Noninterest income to average assets | 0.4206% | 3,045 |
| Noninterest expense to average assets | 1.6471% | 5,061 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.1680% | 2,184 |
| Return on assets (ROA) | 1.1680% | 2,238 |
| Pretax return on assets | 1.5877% | 1,503 |
| Return on Equity (ROE) | 12.0935% | 1,501 |
| Retained earnings to average equity (ytd only) | -2.3264% | 4,768 |
| Net charge-offs to loans | -0.3224% | 5,224 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9185% | 4,766 |
| Assets per employee ($millions) | 10.7445% | 273 |
| Cash dividends to net income (ytd only)* | 119.2369% | 471 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3532% | 1,854 |
| Loan loss allowance to noncurrent loans | 866.7297% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.1201% | 4,208 |
| Noncurrent loans to loans | 0.1561% | 4,041 |
| Net loans and leases to total assets | 75.8751% | 1,509 |
| Net loans and leases to deposits | 107.4051% | 282 |
| Net loans and leases to core deposits | 135.2299% | 243 |
| Total domestic deposits to total assets | 70.6439% | 5,091 |
| Equity capital to assets | 9.4431% | 4,308 |
| Core capital (leverage) ratio | 9.6780% | 3,941 |
| Tier 1 risk-based capital ratio | 13.5534% | 3,579 |
| Total risk-based capital ratio | 14.8065% | 3,488 |
| Memoranda: | ||
| Average total assets | $430,821,500 | 1,630 |
| Average earning assets | $405,491,500 | 1,614 |
| Average equity | $41,609,000 | 1,871 |
| Average total loans | $338,660,500 | 1,485 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5711% | 2,228 |
| Cost of funding earning assets | 1.5187% | 83 |
| Net interest margin | 3.0524% | 4,726 |
| Noninterest income to average assets | 0.2777% | 4,242 |
| Noninterest expense to average assets | 1.5777% | 5,180 |
| Loan and lease loss provision to assets | 0.0000% | 4,082 |
| Net operating income to assets | 1.1518% | 2,375 |
| Return on assets (ROA) | 1.1518% | 2,380 |
| Pretax return on assets | 1.5672% | 1,559 |
| Return on Equity (ROE) | 12.0163% | 1,707 |
| Retained earnings to average equity (ytd only) | 9.4769% | 741 |
| Net charge-offs to loans | -0.1656% | 5,240 |
| Credit loss provision to net charge-offs | 0.0000% | 3,452 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1664% | 4,932 |
| Assets per employee ($millions) | 10.2712% | 319 |
| Cash dividends to net income (ytd only)* | 21.1327% | 3,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 2,176 |
| Loan loss allowance to noncurrent loans | 2,913.5135% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0351% | 4,670 |
| Noncurrent loans to loans | 0.0437% | 4,555 |
| Net loans and leases to total assets | 79.3542% | 1,042 |
| Net loans and leases to deposits | 122.6645% | 79 |
| Net loans and leases to core deposits | 158.6151% | 101 |
| Total domestic deposits to total assets | 64.6921% | 5,268 |
| Equity capital to assets | 9.8830% | 3,775 |
| Core capital (leverage) ratio | 9.7670% | 3,842 |
| Tier 1 risk-based capital ratio | 13.5383% | 3,525 |
| Total risk-based capital ratio | 14.7901% | 3,432 |
| Memoranda: | ||
| Average total assets | $410,850,800 | 1,667 |
| Average earning assets | $385,920,800 | 1,643 |
| Average equity | $39,379,800 | 1,891 |
| Average total loans | $333,883,000 | 1,466 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5011% | 2,300 |
| Cost of funding earning assets | 1.4739% | 74 |
| Net interest margin | 3.0272% | 4,811 |
| Noninterest income to average assets | 0.2609% | 4,409 |
| Noninterest expense to average assets | 1.6315% | 5,187 |
| Loan and lease loss provision to assets | 0.1470% | 1,349 |
| Net operating income to assets | 0.9715% | 3,212 |
| Return on assets (ROA) | 0.9715% | 3,226 |
| Pretax return on assets | 1.3255% | 2,524 |
| Return on Equity (ROE) | 10.2179% | 2,519 |
| Retained earnings to average equity (ytd only) | 7.6419% | 1,827 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5618% | 4,752 |
| Assets per employee ($millions) | 11.0131% | 246 |
| Cash dividends to net income (ytd only)* | 25.2102% | 2,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2692% | 2,264 |
| Loan loss allowance to noncurrent loans | 1,062.8788% | 569 |
| Noncurrent assets plus other real estate owned to assets | 0.1388% | 4,253 |
| Noncurrent loans to loans | 0.1194% | 4,360 |
| Net loans and leases to total assets | 76.2331% | 1,629 |
| Net loans and leases to deposits | 115.8733% | 149 |
| Net loans and leases to core deposits | 152.3734% | 117 |
| Total domestic deposits to total assets | 65.7901% | 5,326 |
| Equity capital to assets | 9.2799% | 4,300 |
| Core capital (leverage) ratio | 9.5692% | 4,092 |
| Tier 1 risk-based capital ratio | 13.1656% | 3,807 |
| Total risk-based capital ratio | 14.4172% | 3,720 |
| Memoranda: | ||
| Average total assets | $408,284,000 | 1,684 |
| Average earning assets | $383,453,250 | 1,664 |
| Average equity | $38,820,000 | 1,914 |
| Average total loans | $332,732,000 | 1,471 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5218% | 2,021 |
| Cost of funding earning assets | 1.4244% | 68 |
| Net interest margin | 3.0975% | 4,732 |
| Noninterest income to average assets | 0.2926% | 4,223 |
| Noninterest expense to average assets | 1.6047% | 5,259 |
| Loan and lease loss provision to assets | 0.1495% | 1,266 |
| Net operating income to assets | 1.0568% | 2,773 |
| Return on assets (ROA) | 1.0568% | 2,768 |
| Pretax return on assets | 1.4501% | 1,988 |
| Return on Equity (ROE) | 11.0204% | 2,106 |
| Retained earnings to average equity (ytd only) | 8.4213% | 1,437 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0778% | 5,025 |
| Assets per employee ($millions) | 10.2231% | 294 |
| Cash dividends to net income (ytd only)* | 23.5849% | 2,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 2,379 |
| Loan loss allowance to noncurrent loans | 914.1892% | 644 |
| Noncurrent assets plus other real estate owned to assets | 0.3998% | 3,137 |
| Noncurrent loans to loans | 0.1378% | 4,286 |
| Net loans and leases to total assets | 79.7876% | 1,055 |
| Net loans and leases to deposits | 125.9045% | 67 |
| Net loans and leases to core deposits | 171.2684% | 60 |
| Total domestic deposits to total assets | 63.3715% | 5,420 |
| Equity capital to assets | 9.8490% | 3,773 |
| Core capital (leverage) ratio | 9.8725% | 3,712 |
| Tier 1 risk-based capital ratio | 13.1866% | 3,798 |
| Total risk-based capital ratio | 14.4380% | 3,712 |
| Memoranda: | ||
| Average total assets | $401,208,670 | 1,721 |
| Average earning assets | $377,147,000 | 1,699 |
| Average equity | $38,474,000 | 1,935 |
| Average total loans | $333,096,670 | 1,469 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4651% | 1,975 |
| Cost of funding earning assets | 1.3796% | 64 |
| Net interest margin | 3.0856% | 4,729 |
| Noninterest income to average assets | 0.3409% | 3,870 |
| Noninterest expense to average assets | 1.6061% | 5,324 |
| Loan and lease loss provision to assets | 0.1491% | 1,222 |
| Net operating income to assets | 1.0923% | 2,457 |
| Return on assets (ROA) | 1.0923% | 2,471 |
| Pretax return on assets | 1.4978% | 1,685 |
| Return on Equity (ROE) | 11.5450% | 1,748 |
| Retained earnings to average equity (ytd only) | 8.9188% | 1,482 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.3737% | 5,116 |
| Assets per employee ($millions) | 10.3824% | 281 |
| Cash dividends to net income (ytd only)* | 22.7480% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 3,055 |
| Loan loss allowance to noncurrent loans | 1,116.8571% | 545 |
| Noncurrent assets plus other real estate owned to assets | 0.3704% | 3,344 |
| Noncurrent loans to loans | 0.1036% | 4,507 |
| Net loans and leases to total assets | 82.4350% | 610 |
| Net loans and leases to deposits | 128.4948% | 40 |
| Net loans and leases to core deposits | 174.6198% | 57 |
| Total domestic deposits to total assets | 64.1544% | 5,485 |
| Equity capital to assets | 9.4991% | 4,091 |
| Core capital (leverage) ratio | 9.6534% | 3,905 |
| Tier 1 risk-based capital ratio | 12.3703% | 4,330 |
| Total risk-based capital ratio | 13.6145% | 4,223 |
| Memoranda: | ||
| Average total assets | $402,462,500 | 1,724 |
| Average earning assets | $379,834,000 | 1,699 |
| Average equity | $38,077,000 | 1,948 |
| Average total loans | $338,558,500 | 1,453 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4139% | 1,991 |
| Cost of funding earning assets | 1.1467% | 98 |
| Net interest margin | 3.2673% | 4,263 |
| Noninterest income to average assets | 0.2095% | 4,888 |
| Noninterest expense to average assets | 1.5858% | 5,425 |
| Loan and lease loss provision to assets | 0.4191% | 340 |
| Net operating income to assets | 0.6478% | 3,826 |
| Return on assets (ROA) | 0.6478% | 3,864 |
| Pretax return on assets | 1.2902% | 2,387 |
| Return on Equity (ROE) | 6.2484% | 3,648 |
| Retained earnings to average equity (ytd only) | 3.5713% | 3,134 |
| Net charge-offs to loans | 0.8752% | 225 |
| Credit loss provision to net charge-offs | 56.7669% | 3,252 |
| Earnings coverage of net charge-offs (x) | 2.3154% | 3,760 |
| Efficiency ratio | 48.1260% | 5,310 |
| Assets per employee ($millions) | 10.2567% | 294 |
| Cash dividends to net income (ytd only)* | 42.8449% | 2,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1075% | 3,314 |
| Loan loss allowance to noncurrent loans | 1,038.3978% | 604 |
| Noncurrent assets plus other real estate owned to assets | 0.4030% | 3,247 |
| Noncurrent loans to loans | 0.1067% | 4,506 |
| Net loans and leases to total assets | 83.9122% | 456 |
| Net loans and leases to deposits | 133.6378% | 35 |
| Net loans and leases to core deposits | 182.5012% | 52 |
| Total domestic deposits to total assets | 62.7908% | 5,562 |
| Equity capital to assets | 9.4225% | 4,303 |
| Core capital (leverage) ratio | 9.8832% | 3,600 |
| Tier 1 risk-based capital ratio | 12.0410% | 4,498 |
| Total risk-based capital ratio | 13.2350% | 4,421 |
| Memoranda: | ||
| Average total assets | $360,321,400 | 1,866 |
| Average earning assets | $340,285,800 | 1,845 |
| Average equity | $37,353,400 | 1,959 |
| Average total loans | $303,933,400 | 1,553 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4213% | 1,892 |
| Cost of funding earning assets | 1.1115% | 105 |
| Net interest margin | 3.3099% | 4,136 |
| Noninterest income to average assets | 0.1990% | 5,010 |
| Noninterest expense to average assets | 1.5890% | 5,459 |
| Loan and lease loss provision to assets | 0.1370% | 1,566 |
| Net operating income to assets | 0.9920% | 2,586 |
| Return on assets (ROA) | 0.9920% | 2,643 |
| Pretax return on assets | 1.5959% | 1,440 |
| Return on Equity (ROE) | 9.3265% | 2,431 |
| Retained earnings to average equity (ytd only) | 6.6434% | 1,881 |
| Net charge-offs to loans | 0.5477% | 365 |
| Credit loss provision to net charge-offs | 29.7030% | 3,077 |
| Earnings coverage of net charge-offs (x) | 3.7574% | 3,299 |
| Efficiency ratio | 47.8351% | 5,350 |
| Assets per employee ($millions) | 9.7628% | 342 |
| Cash dividends to net income (ytd only)* | 28.7689% | 2,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3128% | 2,295 |
| Loan loss allowance to noncurrent loans | 198.6778% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.8874% | 1,937 |
| Noncurrent loans to loans | 0.6608% | 2,720 |
| Net loans and leases to total assets | 82.2084% | 650 |
| Net loans and leases to deposits | 133.0731% | 34 |
| Net loans and leases to core deposits | 160.2271% | 85 |
| Total domestic deposits to total assets | 61.7769% | 5,642 |
| Equity capital to assets | 10.3214% | 3,575 |
| Core capital (leverage) ratio | 10.6139% | 2,863 |
| Tier 1 risk-based capital ratio | 13.2307% | 3,860 |
| Total risk-based capital ratio | 14.4840% | 3,777 |
| Memoranda: | ||
| Average total assets | $350,399,000 | 1,923 |
| Average earning assets | $330,600,000 | 1,901 |
| Average equity | $37,269,000 | 1,973 |
| Average total loans | $295,062,500 | 1,599 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4358% | 1,712 |
| Cost of funding earning assets | 1.0736% | 116 |
| Net interest margin | 3.3622% | 3,899 |
| Noninterest income to average assets | 0.1851% | 5,124 |
| Noninterest expense to average assets | 1.5923% | 5,503 |
| Loan and lease loss provision to assets | 0.1397% | 1,472 |
| Net operating income to assets | 1.0217% | 2,323 |
| Return on assets (ROA) | 1.0217% | 2,370 |
| Pretax return on assets | 1.6365% | 1,235 |
| Return on Equity (ROE) | 9.5049% | 2,272 |
| Retained earnings to average equity (ytd only) | 6.7969% | 1,688 |
| Net charge-offs to loans | 0.0399% | 2,404 |
| Credit loss provision to net charge-offs | 413.7931% | 765 |
| Earnings coverage of net charge-offs (x) | 52.6034% | 1,036 |
| Efficiency ratio | 47.2693% | 5,426 |
| Assets per employee ($millions) | 9.7998% | 319 |
| Cash dividends to net income (ytd only)* | 28.4900% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7040% | 1,054 |
| Loan loss allowance to noncurrent loans | 82.9181% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.7407% | 812 |
| Noncurrent loans to loans | 2.0550% | 814 |
| Net loans and leases to total assets | 83.2596% | 516 |
| Net loans and leases to deposits | 132.0129% | 40 |
| Net loans and leases to core deposits | 155.4930% | 100 |
| Total domestic deposits to total assets | 63.0693% | 5,676 |
| Equity capital to assets | 10.6762% | 3,149 |
| Core capital (leverage) ratio | 10.8589% | 2,542 |
| Tier 1 risk-based capital ratio | 13.5515% | 3,672 |
| Total risk-based capital ratio | 14.8106% | 3,582 |
| Memoranda: | ||
| Average total assets | $343,537,000 | 1,960 |
| Average earning assets | $325,265,000 | 1,932 |
| Average equity | $36,928,330 | 1,981 |
| Average total loans | $290,404,000 | 1,619 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3300% | 1,880 |
| Cost of funding earning assets | 1.0488% | 132 |
| Net interest margin | 3.2812% | 4,079 |
| Noninterest income to average assets | 0.1806% | 5,187 |
| Noninterest expense to average assets | 1.5214% | 5,624 |
| Loan and lease loss provision to assets | 0.1416% | 1,330 |
| Net operating income to assets | 1.0221% | 2,216 |
| Return on assets (ROA) | 1.0221% | 2,270 |
| Pretax return on assets | 1.6193% | 1,186 |
| Return on Equity (ROE) | 9.4748% | 2,194 |
| Retained earnings to average equity (ytd only) | 6.7396% | 1,957 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.3502% | 5,519 |
| Assets per employee ($millions) | 10.1080% | 294 |
| Cash dividends to net income (ytd only)* | 28.8684% | 2,341 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7455% | 1,066 |
| Loan loss allowance to noncurrent loans | 198.1481% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.7385% | 2,453 |
| Noncurrent loans to loans | 0.8809% | 2,271 |
| Net loans and leases to total assets | 82.3678% | 531 |
| Net loans and leases to deposits | 124.5900% | 58 |
| Net loans and leases to core deposits | 151.9700% | 100 |
| Total domestic deposits to total assets | 66.1111% | 5,710 |
| Equity capital to assets | 10.7434% | 2,913 |
| Core capital (leverage) ratio | 10.8599% | 2,527 |
| Tier 1 risk-based capital ratio | 13.9662% | 3,504 |
| Total risk-based capital ratio | 15.2258% | 3,409 |
| Memoranda: | ||
| Average total assets | $338,909,000 | 1,997 |
| Average earning assets | $320,366,500 | 1,963 |
| Average equity | $36,560,000 | 2,003 |
| Average total loans | $286,193,000 | 1,642 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3661% | 1,926 |
| Cost of funding earning assets | 1.0623% | 122 |
| Net interest margin | 3.3038% | 4,136 |
| Noninterest income to average assets | 0.2866% | 4,695 |
| Noninterest expense to average assets | 1.6366% | 5,619 |
| Loan and lease loss provision to assets | 0.0786% | 2,792 |
| Net operating income to assets | 1.0536% | 2,122 |
| Return on assets (ROA) | 1.0536% | 2,224 |
| Pretax return on assets | 1.7034% | 993 |
| Return on Equity (ROE) | 11.0266% | 1,568 |
| Retained earnings to average equity (ytd only) | 11.0266% | 303 |
| Net charge-offs to loans | 0.1610% | 1,674 |
| Credit loss provision to net charge-offs | 57.6923% | 3,282 |
| Earnings coverage of net charge-offs (x) | 13.0793% | 2,398 |
| Efficiency ratio | 47.8732% | 5,577 |
| Assets per employee ($millions) | 9.8292% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7265% | 1,091 |
| Loan loss allowance to noncurrent loans | 222.7314% | 2,072 |
| Noncurrent assets plus other real estate owned to assets | 0.6595% | 2,745 |
| Noncurrent loans to loans | 0.7752% | 2,586 |
| Net loans and leases to total assets | 83.6104% | 421 |
| Net loans and leases to deposits | 125.4567% | 54 |
| Net loans and leases to core deposits | 153.5592% | 102 |
| Total domestic deposits to total assets | 66.6448% | 5,745 |
| Equity capital to assets | 10.8461% | 2,766 |
| Core capital (leverage) ratio | 10.9078% | 2,435 |
| Tier 1 risk-based capital ratio | 13.7306% | 3,624 |
| Total risk-based capital ratio | 14.9898% | 3,519 |
| Memoranda: | ||
| Average total assets | $305,324,800 | 2,137 |
| Average earning assets | $289,455,200 | 2,106 |
| Average equity | $29,174,800 | 2,436 |
| Average total loans | $258,330,800 | 1,745 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3410% | 2,032 |
| Cost of funding earning assets | 1.0606% | 122 |
| Net interest margin | 3.2804% | 4,253 |
| Noninterest income to average assets | 0.2849% | 4,729 |
| Noninterest expense to average assets | 1.6531% | 5,643 |
| Loan and lease loss provision to assets | 0.0403% | 3,435 |
| Net operating income to assets | 1.0542% | 2,181 |
| Return on assets (ROA) | 1.0542% | 2,307 |
| Pretax return on assets | 1.7027% | 1,111 |
| Return on Equity (ROE) | 11.4665% | 1,502 |
| Retained earnings to average equity (ytd only) | 11.4665% | 361 |
| Net charge-offs to loans | 0.1234% | 1,726 |
| Credit loss provision to net charge-offs | 38.6266% | 3,160 |
| Earnings coverage of net charge-offs (x) | 16.7253% | 2,093 |
| Efficiency ratio | 48.6764% | 5,570 |
| Assets per employee ($millions) | 9.6689% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8176% | 985 |
| Loan loss allowance to noncurrent loans | 229.2208% | 2,022 |
| Noncurrent assets plus other real estate owned to assets | 0.9108% | 2,278 |
| Noncurrent loans to loans | 0.7930% | 2,688 |
| Net loans and leases to total assets | 83.6634% | 443 |
| Net loans and leases to deposits | 118.4167% | 127 |
| Net loans and leases to core deposits | 150.3526% | 123 |
| Total domestic deposits to total assets | 70.6516% | 5,657 |
| Equity capital to assets | 8.9753% | 5,203 |
| Core capital (leverage) ratio | 9.1203% | 4,695 |
| Tier 1 risk-based capital ratio | 11.2280% | 5,240 |
| Total risk-based capital ratio | 12.4883% | 5,138 |
| Memoranda: | ||
| Average total assets | $298,107,500 | 2,182 |
| Average earning assets | $282,724,750 | 2,145 |
| Average equity | $27,406,750 | 2,560 |
| Average total loans | $251,831,000 | 1,783 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3150% | 2,107 |
| Cost of funding earning assets | 1.0357% | 133 |
| Net interest margin | 3.2794% | 4,291 |
| Noninterest income to average assets | 0.2721% | 4,834 |
| Noninterest expense to average assets | 1.6316% | 5,740 |
| Loan and lease loss provision to assets | 0.0412% | 3,334 |
| Net operating income to assets | 1.0600% | 2,124 |
| Return on assets (ROA) | 1.0600% | 2,250 |
| Pretax return on assets | 1.7100% | 1,064 |
| Return on Equity (ROE) | 11.4312% | 1,500 |
| Retained earnings to average equity (ytd only) | 11.4312% | 387 |
| Net charge-offs to loans | 0.1958% | 1,170 |
| Credit loss provision to net charge-offs | 25.0000% | 2,897 |
| Earnings coverage of net charge-offs (x) | 10.6208% | 2,319 |
| Efficiency ratio | 48.2331% | 5,656 |
| Assets per employee ($millions) | 9.1939% | 362 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9078% | 884 |
| Loan loss allowance to noncurrent loans | 258.5662% | 1,846 |
| Noncurrent assets plus other real estate owned to assets | 0.8724% | 2,414 |
| Noncurrent loans to loans | 0.7379% | 2,891 |
| Net loans and leases to total assets | 83.1220% | 501 |
| Net loans and leases to deposits | 113.8015% | 179 |
| Net loans and leases to core deposits | 145.0788% | 148 |
| Total domestic deposits to total assets | 73.0412% | 5,602 |
| Equity capital to assets | 9.1760% | 5,092 |
| Core capital (leverage) ratio | 9.1949% | 4,605 |
| Tier 1 risk-based capital ratio | 11.5579% | 5,117 |
| Total risk-based capital ratio | 12.8195% | 4,999 |
| Memoranda: | ||
| Average total assets | $291,118,670 | 2,238 |
| Average earning assets | $276,151,000 | 2,193 |
| Average equity | $26,996,330 | 2,591 |
| Average total loans | $245,144,670 | 1,829 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3053% | 2,116 |
| Cost of funding earning assets | 0.9883% | 181 |
| Net interest margin | 3.3170% | 4,156 |
| Noninterest income to average assets | 0.2891% | 4,657 |
| Noninterest expense to average assets | 1.6450% | 5,799 |
| Loan and lease loss provision to assets | 0.0421% | 3,082 |
| Net operating income to assets | 1.0836% | 1,973 |
| Return on assets (ROA) | 1.0836% | 2,072 |
| Pretax return on assets | 1.7489% | 946 |
| Return on Equity (ROE) | 11.6202% | 1,419 |
| Retained earnings to average equity (ytd only) | 11.6202% | 559 |
| Net charge-offs to loans | 0.0452% | 2,117 |
| Credit loss provision to net charge-offs | 111.1111% | 1,504 |
| Earnings coverage of net charge-offs (x) | 47.2593% | 914 |
| Efficiency ratio | 47.8758% | 5,730 |
| Assets per employee ($millions) | 9.7421% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0788% | 718 |
| Loan loss allowance to noncurrent loans | 309.6774% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.8188% | 2,642 |
| Noncurrent loans to loans | 0.6713% | 3,160 |
| Net loans and leases to total assets | 82.0029% | 556 |
| Net loans and leases to deposits | 113.3999% | 158 |
| Net loans and leases to core deposits | 146.2746% | 125 |
| Total domestic deposits to total assets | 72.3130% | 5,754 |
| Equity capital to assets | 9.2437% | 4,945 |
| Core capital (leverage) ratio | 9.4540% | 4,267 |
| Tier 1 risk-based capital ratio | 12.0164% | 4,905 |
| Total risk-based capital ratio | 13.2809% | 4,808 |
| Memoranda: | ||
| Average total assets | $284,978,000 | 2,279 |
| Average earning assets | $270,363,000 | 2,239 |
| Average equity | $26,574,500 | 2,623 |
| Average total loans | $239,168,500 | 1,864 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4355% | 1,785 |
| Cost of funding earning assets | 0.9642% | 206 |
| Net interest margin | 3.4713% | 3,630 |
| Noninterest income to average assets | 0.2643% | 4,988 |
| Noninterest expense to average assets | 1.8517% | 5,673 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0464% | 2,139 |
| Return on assets (ROA) | 1.0464% | 2,229 |
| Pretax return on assets | 1.6963% | 1,001 |
| Return on Equity (ROE) | 10.7679% | 1,701 |
| Retained earnings to average equity (ytd only) | 10.7679% | 370 |
| Net charge-offs to loans | -0.1225% | 5,834 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.1912% | 5,625 |
| Assets per employee ($millions) | 8.4149% | 478 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1769% | 615 |
| Loan loss allowance to noncurrent loans | 303.9450% | 1,621 |
| Noncurrent assets plus other real estate owned to assets | 0.8816% | 2,467 |
| Noncurrent loans to loans | 0.7162% | 3,036 |
| Net loans and leases to total assets | 82.2850% | 568 |
| Net loans and leases to deposits | 109.3323% | 262 |
| Net loans and leases to core deposits | 150.1258% | 111 |
| Total domestic deposits to total assets | 75.2614% | 5,526 |
| Equity capital to assets | 9.4108% | 4,661 |
| Core capital (leverage) ratio | 9.7441% | 3,841 |
| Tier 1 risk-based capital ratio | 12.3602% | 4,724 |
| Total risk-based capital ratio | 13.6264% | 4,602 |
| Memoranda: | ||
| Average total assets | $254,679,400 | 2,471 |
| Average earning assets | $240,919,000 | 2,416 |
| Average equity | $24,749,400 | 2,715 |
| Average total loans | $213,020,800 | 1,970 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4623% | 1,721 |
| Cost of funding earning assets | 0.9415% | 234 |
| Net interest margin | 3.5208% | 3,462 |
| Noninterest income to average assets | 0.2941% | 4,839 |
| Noninterest expense to average assets | 1.9170% | 5,614 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0525% | 2,204 |
| Return on assets (ROA) | 1.0525% | 2,301 |
| Pretax return on assets | 1.7060% | 1,087 |
| Return on Equity (ROE) | 10.7359% | 1,810 |
| Retained earnings to average equity (ytd only) | 10.7359% | 513 |
| Net charge-offs to loans | -0.1674% | 5,947 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9125% | 5,587 |
| Assets per employee ($millions) | 8.0911% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3189% | 560 |
| Loan loss allowance to noncurrent loans | 329.5528% | 1,488 |
| Noncurrent assets plus other real estate owned to assets | 0.8953% | 2,636 |
| Noncurrent loans to loans | 0.7036% | 3,220 |
| Net loans and leases to total assets | 82.7299% | 502 |
| Net loans and leases to deposits | 108.9948% | 277 |
| Net loans and leases to core deposits | 150.4199% | 110 |
| Total domestic deposits to total assets | 75.9026% | 5,503 |
| Equity capital to assets | 9.8379% | 4,355 |
| Core capital (leverage) ratio | 9.8762% | 3,803 |
| Tier 1 risk-based capital ratio | 12.8057% | 4,546 |
| Total risk-based capital ratio | 14.0752% | 4,450 |
| Memoranda: | ||
| Average total assets | $248,926,250 | 2,537 |
| Average earning assets | $235,359,500 | 2,477 |
| Average equity | $24,403,500 | 2,765 |
| Average total loans | $207,880,000 | 2,018 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4560% | 1,675 |
| Cost of funding earning assets | 0.9295% | 248 |
| Net interest margin | 3.5266% | 3,384 |
| Noninterest income to average assets | 0.3038% | 4,780 |
| Noninterest expense to average assets | 1.9096% | 5,698 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0643% | 2,081 |
| Return on assets (ROA) | 1.0643% | 2,192 |
| Pretax return on assets | 1.7248% | 1,036 |
| Return on Equity (ROE) | 10.8702% | 1,720 |
| Retained earnings to average equity (ytd only) | 10.8702% | 523 |
| Net charge-offs to loans | -0.2852% | 6,109 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5431% | 5,675 |
| Assets per employee ($millions) | 7.6585% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3801% | 564 |
| Loan loss allowance to noncurrent loans | 329.3625% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.9112% | 2,711 |
| Noncurrent loans to loans | 0.7226% | 3,315 |
| Net loans and leases to total assets | 83.0108% | 473 |
| Net loans and leases to deposits | 107.9459% | 307 |
| Net loans and leases to core deposits | 149.0618% | 112 |
| Total domestic deposits to total assets | 76.9003% | 5,472 |
| Equity capital to assets | 9.7736% | 4,312 |
| Core capital (leverage) ratio | 9.5609% | 4,193 |
| Tier 1 risk-based capital ratio | 12.8056% | 4,618 |
| Total risk-based capital ratio | 14.0735% | 4,528 |
| Memoranda: | ||
| Average total assets | $245,596,330 | 2,579 |
| Average earning assets | $231,954,330 | 2,527 |
| Average equity | $24,047,330 | 2,808 |
| Average total loans | $204,078,000 | 2,051 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3702% | 1,870 |
| Cost of funding earning assets | 0.8782% | 318 |
| Net interest margin | 3.4920% | 3,471 |
| Noninterest income to average assets | 0.2710% | 5,013 |
| Noninterest expense to average assets | 1.9155% | 5,732 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.0230% | 2,151 |
| Return on assets (ROA) | 1.0230% | 2,300 |
| Pretax return on assets | 1.6543% | 1,148 |
| Return on Equity (ROE) | 10.4382% | 1,816 |
| Retained earnings to average equity (ytd only) | 10.4382% | 820 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6574% | 5,703 |
| Assets per employee ($millions) | 7.8405% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3983% | 614 |
| Loan loss allowance to noncurrent loans | 320.7447% | 1,490 |
| Noncurrent assets plus other real estate owned to assets | 0.8984% | 2,840 |
| Noncurrent loans to loans | 0.7477% | 3,393 |
| Net loans and leases to total assets | 78.2456% | 886 |
| Net loans and leases to deposits | 100.1311% | 555 |
| Net loans and leases to core deposits | 136.4625% | 182 |
| Total domestic deposits to total assets | 78.1431% | 5,418 |
| Equity capital to assets | 9.5944% | 4,641 |
| Core capital (leverage) ratio | 9.9406% | 3,676 |
| Tier 1 risk-based capital ratio | 13.6250% | 4,263 |
| Total risk-based capital ratio | 14.8933% | 4,162 |
| Memoranda: | ||
| Average total assets | $242,029,000 | 2,618 |
| Average earning assets | $228,638,000 | 2,569 |
| Average equity | $23,720,500 | 2,860 |
| Average total loans | $198,662,500 | 2,092 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5825% | 1,609 |
| Cost of funding earning assets | 0.8499% | 506 |
| Net interest margin | 3.7326% | 2,868 |
| Noninterest income to average assets | 0.2246% | 5,521 |
| Noninterest expense to average assets | 2.0001% | 5,761 |
| Loan and lease loss provision to assets | 0.0678% | 3,129 |
| Net operating income to assets | 1.0353% | 2,234 |
| Return on assets (ROA) | 1.0353% | 2,313 |
| Pretax return on assets | 1.6991% | 988 |
| Return on Equity (ROE) | 10.3838% | 1,961 |
| Retained earnings to average equity (ytd only) | 10.3838% | 459 |
| Net charge-offs to loans | -0.0214% | 5,706 |
| Credit loss provision to net charge-offs | -375.0000% | 5,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0950% | 5,909 |
| Assets per employee ($millions) | 7.5214% | 656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4589% | 586 |
| Loan loss allowance to noncurrent loans | 309.6277% | 1,588 |
| Noncurrent assets plus other real estate owned to assets | 0.9899% | 2,775 |
| Noncurrent loans to loans | 0.7941% | 3,322 |
| Net loans and leases to total assets | 82.0726% | 513 |
| Net loans and leases to deposits | 101.1288% | 561 |
| Net loans and leases to core deposits | 139.2210% | 173 |
| Total domestic deposits to total assets | 81.1564% | 4,694 |
| Equity capital to assets | 10.0226% | 4,084 |
| Core capital (leverage) ratio | 10.0964% | 3,441 |
| Tier 1 risk-based capital ratio | 13.8198% | 4,228 |
| Total risk-based capital ratio | 15.0899% | 4,145 |
| Memoranda: | ||
| Average total assets | $221,287,200 | 2,769 |
| Average earning assets | $210,014,600 | 2,708 |
| Average equity | $22,063,200 | 2,941 |
| Average total loans | $186,771,400 | 2,146 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5735% | 1,633 |
| Cost of funding earning assets | 0.8337% | 584 |
| Net interest margin | 3.7399% | 2,858 |
| Noninterest income to average assets | 0.2144% | 5,649 |
| Noninterest expense to average assets | 2.0410% | 5,697 |
| Loan and lease loss provision to assets | 0.0916% | 2,522 |
| Net operating income to assets | 0.9949% | 2,468 |
| Return on assets (ROA) | 0.9949% | 2,539 |
| Pretax return on assets | 1.6379% | 1,216 |
| Return on Equity (ROE) | 9.9921% | 2,222 |
| Retained earnings to average equity (ytd only) | 9.9921% | 713 |
| Net charge-offs to loans | -0.0296% | 5,736 |
| Credit loss provision to net charge-offs | -365.8537% | 5,684 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1302% | 5,809 |
| Assets per employee ($millions) | 7.4197% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5995% | 572 |
| Loan loss allowance to noncurrent loans | 1,321.9178% | 443 |
| Noncurrent assets plus other real estate owned to assets | 0.5009% | 4,382 |
| Noncurrent loans to loans | 0.1966% | 5,316 |
| Net loans and leases to total assets | 81.2215% | 584 |
| Net loans and leases to deposits | 101.0124% | 559 |
| Net loans and leases to core deposits | 133.4221% | 200 |
| Total domestic deposits to total assets | 80.4075% | 4,987 |
| Equity capital to assets | 10.1923% | 3,941 |
| Core capital (leverage) ratio | 10.2598% | 3,329 |
| Tier 1 risk-based capital ratio | 14.2599% | 4,045 |
| Total risk-based capital ratio | 15.5321% | 3,958 |
| Memoranda: | ||
| Average total assets | $218,318,500 | 2,824 |
| Average earning assets | $207,595,000 | 2,748 |
| Average equity | $21,736,750 | 2,979 |
| Average total loans | $184,417,750 | 2,183 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5804% | 1,586 |
| Cost of funding earning assets | 0.8373% | 588 |
| Net interest margin | 3.7431% | 2,785 |
| Noninterest income to average assets | 0.2066% | 5,721 |
| Noninterest expense to average assets | 2.0655% | 5,696 |
| Loan and lease loss provision to assets | 0.1383% | 1,794 |
| Net operating income to assets | 0.9470% | 2,563 |
| Return on assets (ROA) | 0.9470% | 2,664 |
| Pretax return on assets | 1.5602% | 1,361 |
| Return on Equity (ROE) | 9.5892% | 2,331 |
| Retained earnings to average equity (ytd only) | 9.5892% | 820 |
| Net charge-offs to loans | -0.0446% | 5,820 |
| Credit loss provision to net charge-offs | -365.8537% | 5,508 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8751% | 5,839 |
| Assets per employee ($millions) | 7.1360% | 747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5832% | 633 |
| Loan loss allowance to noncurrent loans | 1,669.5502% | 331 |
| Noncurrent assets plus other real estate owned to assets | 0.4697% | 4,593 |
| Noncurrent loans to loans | 0.1547% | 5,548 |
| Net loans and leases to total assets | 82.2545% | 450 |
| Net loans and leases to deposits | 102.0075% | 449 |
| Net loans and leases to core deposits | 135.4552% | 175 |
| Total domestic deposits to total assets | 80.6358% | 5,086 |
| Equity capital to assets | 9.9744% | 4,141 |
| Core capital (leverage) ratio | 10.0058% | 3,603 |
| Tier 1 risk-based capital ratio | 13.7115% | 4,438 |
| Total risk-based capital ratio | 14.9832% | 4,374 |
| Memoranda: | ||
| Average total assets | $216,894,670 | 2,847 |
| Average earning assets | $206,137,330 | 2,772 |
| Average equity | $21,420,000 | 3,006 |
| Average total loans | $184,018,330 | 2,186 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5066% | 1,793 |
| Cost of funding earning assets | 0.7893% | 785 |
| Net interest margin | 3.7173% | 2,799 |
| Noninterest income to average assets | 0.1621% | 6,003 |
| Noninterest expense to average assets | 2.1292% | 5,615 |
| Loan and lease loss provision to assets | 0.1397% | 1,740 |
| Net operating income to assets | 0.8662% | 2,820 |
| Return on assets (ROA) | 0.8662% | 2,886 |
| Pretax return on assets | 1.4287% | 1,644 |
| Return on Equity (ROE) | 8.8162% | 2,544 |
| Retained earnings to average equity (ytd only) | 8.8162% | 1,306 |
| Net charge-offs to loans | -0.1073% | 6,144 |
| Credit loss provision to net charge-offs | -153.0612% | 4,920 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5819% | 5,693 |
| Assets per employee ($millions) | 6.9902% | 809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5778% | 736 |
| Loan loss allowance to noncurrent loans | 331.7992% | 1,355 |
| Noncurrent assets plus other real estate owned to assets | 1.0079% | 3,247 |
| Noncurrent loans to loans | 0.7769% | 3,917 |
| Net loans and leases to total assets | 82.9803% | 294 |
| Net loans and leases to deposits | 102.9851% | 330 |
| Net loans and leases to core deposits | 138.0463% | 139 |
| Total domestic deposits to total assets | 80.5751% | 5,362 |
| Equity capital to assets | 9.8696% | 3,993 |
| Core capital (leverage) ratio | 9.9784% | 3,601 |
| Tier 1 risk-based capital ratio | 13.4685% | 4,712 |
| Total risk-based capital ratio | 14.7403% | 4,629 |
| Memoranda: | ||
| Average total assets | $214,733,500 | 2,883 |
| Average earning assets | $204,235,500 | 2,808 |
| Average equity | $21,097,500 | 3,038 |
| Average total loans | $182,634,500 | 2,204 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7867% | 1,346 |
| Cost of funding earning assets | 0.8607% | 908 |
| Net interest margin | 3.9260% | 2,198 |
| Noninterest income to average assets | 0.2897% | 5,283 |
| Noninterest expense to average assets | 2.3318% | 5,282 |
| Loan and lease loss provision to assets | 0.2308% | 1,566 |
| Net operating income to assets | 0.8800% | 2,879 |
| Return on assets (ROA) | 0.8800% | 2,967 |
| Pretax return on assets | 1.4841% | 1,498 |
| Return on Equity (ROE) | 8.6071% | 2,735 |
| Retained earnings to average equity (ytd only) | 8.6071% | 872 |
| Net charge-offs to loans | 0.3455% | 1,951 |
| Credit loss provision to net charge-offs | 76.5306% | 3,129 |
| Earnings coverage of net charge-offs (x) | 5.6871% | 3,238 |
| Efficiency ratio | 57.6226% | 5,780 |
| Assets per employee ($millions) | 6.8636% | 820 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5645% | 761 |
| Loan loss allowance to noncurrent loans | 319.5862% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 1.0340% | 3,360 |
| Noncurrent loans to loans | 0.8025% | 3,972 |
| Net loans and leases to total assets | 82.7472% | 344 |
| Net loans and leases to deposits | 99.7875% | 488 |
| Net loans and leases to core deposits | 133.5503% | 172 |
| Total domestic deposits to total assets | 82.9234% | 4,568 |
| Equity capital to assets | 9.7795% | 4,065 |
| Core capital (leverage) ratio | 10.0504% | 3,494 |
| Tier 1 risk-based capital ratio | 13.0761% | 4,924 |
| Total risk-based capital ratio | 14.3473% | 4,864 |
| Memoranda: | ||
| Average total assets | $195,000,000 | 3,086 |
| Average earning assets | $186,602,000 | 3,005 |
| Average equity | $19,937,000 | 3,156 |
| Average total loans | $170,185,400 | 2,301 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8530% | 1,232 |
| Cost of funding earning assets | 0.8916% | 849 |
| Net interest margin | 3.9614% | 2,070 |
| Noninterest income to average assets | 0.3086% | 5,234 |
| Noninterest expense to average assets | 2.3076% | 5,315 |
| Loan and lease loss provision to assets | 0.3149% | 1,074 |
| Net operating income to assets | 0.8697% | 2,993 |
| Return on assets (ROA) | 0.8697% | 3,105 |
| Pretax return on assets | 1.4819% | 1,660 |
| Return on Equity (ROE) | 8.4044% | 2,923 |
| Retained earnings to average equity (ytd only) | 8.4044% | 1,249 |
| Net charge-offs to loans | 0.4464% | 1,437 |
| Credit loss provision to net charge-offs | 80.2139% | 2,844 |
| Earnings coverage of net charge-offs (x) | 4.5775% | 3,407 |
| Efficiency ratio | 56.2223% | 5,874 |
| Assets per employee ($millions) | 6.6378% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7114% | 730 |
| Loan loss allowance to noncurrent loans | 303.6482% | 1,358 |
| Noncurrent assets plus other real estate owned to assets | 1.1977% | 3,258 |
| Noncurrent loans to loans | 0.8929% | 4,038 |
| Net loans and leases to total assets | 83.9857% | 250 |
| Net loans and leases to deposits | 102.3989% | 358 |
| Net loans and leases to core deposits | 128.3174% | 209 |
| Total domestic deposits to total assets | 82.0182% | 4,925 |
| Equity capital to assets | 10.2207% | 3,610 |
| Core capital (leverage) ratio | 10.3191% | 3,213 |
| Tier 1 risk-based capital ratio | 13.3299% | 4,885 |
| Total risk-based capital ratio | 14.6031% | 4,802 |
| Memoranda: | ||
| Average total assets | $190,557,250 | 3,177 |
| Average earning assets | $182,590,500 | 3,072 |
| Average equity | $19,719,250 | 3,217 |
| Average total loans | $167,557,750 | 2,336 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8860% | 1,128 |
| Cost of funding earning assets | 0.9219% | 810 |
| Net interest margin | 3.9641% | 1,989 |
| Noninterest income to average assets | 0.3474% | 4,913 |
| Noninterest expense to average assets | 2.3975% | 5,062 |
| Loan and lease loss provision to assets | 0.3197% | 1,100 |
| Net operating income to assets | 0.8492% | 3,046 |
| Return on assets (ROA) | 0.8492% | 3,198 |
| Pretax return on assets | 1.4470% | 1,775 |
| Return on Equity (ROE) | 8.1710% | 3,006 |
| Retained earnings to average equity (ytd only) | 8.1710% | 1,413 |
| Net charge-offs to loans | 0.6803% | 972 |
| Credit loss provision to net charge-offs | 53.0973% | 3,157 |
| Earnings coverage of net charge-offs (x) | 2.9345% | 3,549 |
| Efficiency ratio | 57.5742% | 5,789 |
| Assets per employee ($millions) | 6.4680% | 915 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6143% | 872 |
| Loan loss allowance to noncurrent loans | 259.0230% | 1,597 |
| Noncurrent assets plus other real estate owned to assets | 1.4341% | 2,950 |
| Noncurrent loans to loans | 1.0093% | 3,915 |
| Net loans and leases to total assets | 89.5085% | 54 |
| Net loans and leases to deposits | 103.8949% | 267 |
| Net loans and leases to core deposits | 130.6654% | 183 |
| Total domestic deposits to total assets | 86.1530% | 3,286 |
| Equity capital to assets | 10.5965% | 3,179 |
| Core capital (leverage) ratio | 10.2939% | 3,107 |
| Tier 1 risk-based capital ratio | 13.1166% | 5,055 |
| Total risk-based capital ratio | 14.3897% | 4,979 |
| Memoranda: | ||
| Average total assets | $187,698,000 | 3,234 |
| Average earning assets | $180,720,670 | 3,104 |
| Average equity | $19,508,000 | 3,259 |
| Average total loans | $166,108,330 | 2,353 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8973% | 1,091 |
| Cost of funding earning assets | 0.9507% | 785 |
| Net interest margin | 3.9467% | 1,959 |
| Noninterest income to average assets | 0.3579% | 4,804 |
| Noninterest expense to average assets | 2.4584% | 4,920 |
| Loan and lease loss provision to assets | 0.3196% | 1,056 |
| Net operating income to assets | 0.8159% | 3,075 |
| Return on assets (ROA) | 0.8159% | 3,214 |
| Pretax return on assets | 1.3741% | 1,949 |
| Return on Equity (ROE) | 7.9280% | 3,017 |
| Retained earnings to average equity (ytd only) | 7.9280% | 1,775 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2099% | 5,695 |
| Assets per employee ($millions) | 6.8902% | 814 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0290% | 642 |
| Loan loss allowance to noncurrent loans | 1,203.4230% | 398 |
| Noncurrent assets plus other real estate owned to assets | 0.7305% | 4,545 |
| Noncurrent loans to loans | 0.2517% | 5,786 |
| Net loans and leases to total assets | 84.7018% | 167 |
| Net loans and leases to deposits | 95.0512% | 601 |
| Net loans and leases to core deposits | 117.3577% | 319 |
| Total domestic deposits to total assets | 89.1117% | 1,620 |
| Equity capital to assets | 10.4980% | 3,537 |
| Core capital (leverage) ratio | 9.9861% | 3,405 |
| Tier 1 risk-based capital ratio | 13.6138% | 4,783 |
| Total risk-based capital ratio | 14.8913% | 4,734 |
| Memoranda: | ||
| Average total assets | $187,761,500 | 3,254 |
| Average earning assets | $180,506,500 | 3,137 |
| Average equity | $19,324,000 | 3,335 |
| Average total loans | $162,963,000 | 2,405 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3003% | 928 |
| Cost of funding earning assets | 1.1448% | 754 |
| Net interest margin | 4.1555% | 1,796 |
| Noninterest income to average assets | 0.6670% | 2,897 |
| Noninterest expense to average assets | 2.6774% | 4,482 |
| Loan and lease loss provision to assets | 0.5745% | 970 |
| Net operating income to assets | 1.6334% | 712 |
| Return on assets (ROA) | 1.6334% | 788 |
| Pretax return on assets | 1.4172% | 1,977 |
| Return on Equity (ROE) | 16.8661% | 552 |
| Retained earnings to average equity (ytd only) | 16.8661% | 95 |
| Net charge-offs to loans | 0.2596% | 3,385 |
| Credit loss provision to net charge-offs | 248.2270% | 991 |
| Earnings coverage of net charge-offs (x) | 8.6052% | 2,380 |
| Efficiency ratio | 57.3421% | 5,914 |
| Assets per employee ($millions) | 6.7674% | 867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9199% | 719 |
| Loan loss allowance to noncurrent loans | 1,193.0000% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.7388% | 4,627 |
| Noncurrent loans to loans | 0.2448% | 5,867 |
| Net loans and leases to total assets | 83.7293% | 231 |
| Net loans and leases to deposits | 93.3875% | 794 |
| Net loans and leases to core deposits | 114.9863% | 386 |
| Total domestic deposits to total assets | 89.6579% | 1,149 |
| Equity capital to assets | 10.0893% | 4,049 |
| Core capital (leverage) ratio | 9.7511% | 3,722 |
| Tier 1 risk-based capital ratio | 13.0917% | 5,040 |
| Total risk-based capital ratio | 14.3671% | 4,972 |
| Memoranda: | ||
| Average total assets | $182,751,800 | 3,277 |
| Average earning assets | $176,007,800 | 3,147 |
| Average equity | $17,698,200 | 3,511 |
| Average total loans | $162,952,400 | 2,385 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4092% | 821 |
| Cost of funding earning assets | 1.1738% | 785 |
| Net interest margin | 4.2354% | 1,628 |
| Noninterest income to average assets | 0.7157% | 2,635 |
| Noninterest expense to average assets | 2.7208% | 4,285 |
| Loan and lease loss provision to assets | 0.6627% | 785 |
| Net operating income to assets | 1.9609% | 405 |
| Return on assets (ROA) | 1.9609% | 466 |
| Pretax return on assets | 1.4160% | 2,183 |
| Return on Equity (ROE) | 20.4724% | 306 |
| Retained earnings to average equity (ytd only) | 20.4724% | 79 |
| Net charge-offs to loans | 0.3439% | 2,732 |
| Credit loss provision to net charge-offs | 214.2857% | 1,297 |
| Earnings coverage of net charge-offs (x) | 6.7214% | 2,727 |
| Efficiency ratio | 56.6892% | 5,969 |
| Assets per employee ($millions) | 6.6310% | 888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8292% | 861 |
| Loan loss allowance to noncurrent loans | 303.4777% | 1,233 |
| Noncurrent assets plus other real estate owned to assets | 1.3325% | 3,634 |
| Noncurrent loans to loans | 0.9323% | 4,568 |
| Net loans and leases to total assets | 85.5555% | 163 |
| Net loans and leases to deposits | 95.5632% | 685 |
| Net loans and leases to core deposits | 117.8404% | 348 |
| Total domestic deposits to total assets | 89.5276% | 1,110 |
| Equity capital to assets | 10.0281% | 4,455 |
| Core capital (leverage) ratio | 9.5392% | 4,208 |
| Tier 1 risk-based capital ratio | 12.9435% | 5,297 |
| Total risk-based capital ratio | 14.2195% | 5,238 |
| Memoranda: | ||
| Average total assets | $181,067,750 | 3,332 |
| Average earning assets | $174,585,500 | 3,204 |
| Average equity | $17,343,250 | 3,593 |
| Average total loans | $162,833,250 | 2,417 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5211% | 687 |
| Cost of funding earning assets | 1.1934% | 844 |
| Net interest margin | 4.3277% | 1,398 |
| Noninterest income to average assets | 0.8667% | 1,900 |
| Noninterest expense to average assets | 2.3004% | 5,738 |
| Loan and lease loss provision to assets | 0.6684% | 848 |
| Net operating income to assets | 2.0709% | 351 |
| Return on assets (ROA) | 2.0709% | 392 |
| Pretax return on assets | 2.0709% | 608 |
| Return on Equity (ROE) | 21.9766% | 250 |
| Retained earnings to average equity (ytd only) | 21.9766% | 73 |
| Net charge-offs to loans | 0.0676% | 4,482 |
| Credit loss provision to net charge-offs | 1,090.9091% | 306 |
| Earnings coverage of net charge-offs (x) | 44.7091% | 805 |
| Efficiency ratio | 45.6454% | 6,895 |
| Assets per employee ($millions) | 7.0280% | 717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8858% | 880 |
| Loan loss allowance to noncurrent loans | 295.8991% | 1,217 |
| Noncurrent assets plus other real estate owned to assets | 1.4256% | 3,583 |
| Noncurrent loans to loans | 0.9753% | 4,568 |
| Net loans and leases to total assets | 86.3753% | 125 |
| Net loans and leases to deposits | 96.0761% | 629 |
| Net loans and leases to core deposits | 121.1280% | 292 |
| Total domestic deposits to total assets | 89.9030% | 977 |
| Equity capital to assets | 9.7304% | 4,716 |
| Core capital (leverage) ratio | 9.5884% | 4,018 |
| Tier 1 risk-based capital ratio | 12.6731% | 5,436 |
| Total risk-based capital ratio | 13.9501% | 5,387 |
| Memoranda: | ||
| Average total assets | $179,534,000 | 3,360 |
| Average earning assets | $173,117,330 | 3,229 |
| Average equity | $16,918,000 | 3,653 |
| Average total loans | $162,619,330 | 2,433 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6730% | 543 |
| Cost of funding earning assets | 1.2596% | 748 |
| Net interest margin | 4.4134% | 1,195 |
| Noninterest income to average assets | 1.4477% | 689 |
| Noninterest expense to average assets | 2.2952% | 5,782 |
| Loan and lease loss provision to assets | 0.6744% | 792 |
| Net operating income to assets | 2.7313% | 134 |
| Return on assets (ROA) | 2.7313% | 159 |
| Pretax return on assets | 2.7313% | 245 |
| Return on Equity (ROE) | 29.4778% | 108 |
| Retained earnings to average equity (ytd only) | 29.4778% | 58 |
| Net charge-offs to loans | 0.0148% | 4,487 |
| Credit loss provision to net charge-offs | 5,000.0000% | 48 |
| Earnings coverage of net charge-offs (x) | 252.5000% | 142 |
| Efficiency ratio | 40.2603% | 7,102 |
| Assets per employee ($millions) | 6.9563% | 773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7376% | 1,075 |
| Loan loss allowance to noncurrent loans | 345.7165% | 964 |
| Noncurrent assets plus other real estate owned to assets | 1.2739% | 4,008 |
| Noncurrent loans to loans | 0.7919% | 5,088 |
| Net loans and leases to total assets | 87.1987% | 88 |
| Net loans and leases to deposits | 96.6420% | 501 |
| Net loans and leases to core deposits | 122.1050% | 282 |
| Total domestic deposits to total assets | 90.2286% | 955 |
| Equity capital to assets | 9.4590% | 4,870 |
| Core capital (leverage) ratio | 9.5158% | 4,026 |
| Tier 1 risk-based capital ratio | 12.2502% | 5,794 |
| Total risk-based capital ratio | 13.5247% | 5,741 |
| Memoranda: | ||
| Average total assets | $177,937,500 | 3,408 |
| Average earning assets | $171,479,000 | 3,263 |
| Average equity | $16,487,000 | 3,733 |
| Average total loans | $162,668,500 | 2,441 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6810% | 812 |
| Cost of funding earning assets | 1.3924% | 1,073 |
| Net interest margin | 4.2886% | 1,735 |
| Noninterest income to average assets | 0.3251% | 5,217 |
| Noninterest expense to average assets | 2.4121% | 5,740 |
| Loan and lease loss provision to assets | 0.7133% | 1,431 |
| Net operating income to assets | 2.0543% | 280 |
| Return on assets (ROA) | 2.0543% | 298 |
| Pretax return on assets | 1.3410% | 1,978 |
| Return on Equity (ROE) | 25.3752% | 96 |
| Retained earnings to average equity (ytd only) | 25.3752% | 21 |
| Net charge-offs to loans | 0.0657% | 5,650 |
| Credit loss provision to net charge-offs | 1,188.1188% | 182 |
| Earnings coverage of net charge-offs (x) | 34.2178% | 757 |
| Efficiency ratio | 54.0059% | 6,515 |
| Assets per employee ($millions) | 7.0004% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5400% | 1,261 |
| Loan loss allowance to noncurrent loans | 378.1934% | 883 |
| Noncurrent assets plus other real estate owned to assets | 1.2091% | 4,221 |
| Noncurrent loans to loans | 0.6716% | 5,355 |
| Net loans and leases to total assets | 90.8754% | 30 |
| Net loans and leases to deposits | 100.4478% | 437 |
| Net loans and leases to core deposits | 128.1689% | 257 |
| Total domestic deposits to total assets | 90.4703% | 738 |
| Equity capital to assets | 9.0658% | 5,475 |
| Core capital (leverage) ratio | 8.8689% | 4,994 |
| Tier 1 risk-based capital ratio | 11.3342% | 6,269 |
| Total risk-based capital ratio | 12.6072% | 6,237 |
| Memoranda: | ||
| Average total assets | $168,233,400 | 3,517 |
| Average earning assets | $162,454,600 | 3,359 |
| Average equity | $13,619,600 | 4,209 |
| Average total loans | $153,747,400 | 2,589 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6497% | 935 |
| Cost of funding earning assets | 1.3557% | 1,432 |
| Net interest margin | 4.2940% | 1,744 |
| Noninterest income to average assets | 0.2946% | 5,505 |
| Noninterest expense to average assets | 2.3585% | 5,886 |
| Loan and lease loss provision to assets | 0.7205% | 1,332 |
| Net operating income to assets | 1.3642% | 1,236 |
| Return on assets (ROA) | 1.3642% | 1,319 |
| Pretax return on assets | 1.3642% | 2,069 |
| Return on Equity (ROE) | 17.3988% | 523 |
| Retained earnings to average equity (ytd only) | 17.3988% | 132 |
| Net charge-offs to loans | 0.0890% | 5,082 |
| Credit loss provision to net charge-offs | 891.0891% | 308 |
| Earnings coverage of net charge-offs (x) | 25.7828% | 1,037 |
| Efficiency ratio | 53.0811% | 6,586 |
| Assets per employee ($millions) | 7.0068% | 735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3857% | 1,557 |
| Loan loss allowance to noncurrent loans | 334.0573% | 957 |
| Noncurrent assets plus other real estate owned to assets | 1.2519% | 4,295 |
| Noncurrent loans to loans | 0.7142% | 5,449 |
| Net loans and leases to total assets | 89.8105% | 43 |
| Net loans and leases to deposits | 98.1416% | 569 |
| Net loans and leases to core deposits | 127.1086% | 275 |
| Total domestic deposits to total assets | 91.5111% | 295 |
| Equity capital to assets | 7.9860% | 6,702 |
| Core capital (leverage) ratio | 8.1546% | 6,196 |
| Tier 1 risk-based capital ratio | 10.0878% | 6,927 |
| Total risk-based capital ratio | 11.3572% | 6,915 |
| Memoranda: | ||
| Average total assets | $166,539,250 | 3,567 |
| Average earning assets | $160,901,250 | 3,407 |
| Average equity | $13,058,000 | 4,338 |
| Average total loans | $151,387,750 | 2,643 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6206% | 1,035 |
| Cost of funding earning assets | 1.3852% | 1,482 |
| Net interest margin | 4.2354% | 1,896 |
| Noninterest income to average assets | 0.3043% | 5,462 |
| Noninterest expense to average assets | 2.4098% | 5,814 |
| Loan and lease loss provision to assets | 0.7332% | 1,272 |
| Net operating income to assets | 1.2452% | 1,450 |
| Return on assets (ROA) | 1.2452% | 1,527 |
| Pretax return on assets | 1.2452% | 2,323 |
| Return on Equity (ROE) | 15.9872% | 674 |
| Retained earnings to average equity (ytd only) | 15.9872% | 207 |
| Net charge-offs to loans | 0.1364% | 4,381 |
| Credit loss provision to net charge-offs | 594.0594% | 526 |
| Earnings coverage of net charge-offs (x) | 16.0297% | 1,367 |
| Efficiency ratio | 54.9151% | 6,519 |
| Assets per employee ($millions) | 6.7140% | 842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2773% | 1,786 |
| Loan loss allowance to noncurrent loans | 331.6183% | 955 |
| Noncurrent assets plus other real estate owned to assets | 1.2577% | 4,381 |
| Noncurrent loans to loans | 0.6867% | 5,535 |
| Net loans and leases to total assets | 90.6303% | 35 |
| Net loans and leases to deposits | 98.9051% | 549 |
| Net loans and leases to core deposits | 132.9363% | 239 |
| Total domestic deposits to total assets | 91.6336% | 315 |
| Equity capital to assets | 7.9291% | 6,728 |
| Core capital (leverage) ratio | 7.9712% | 6,336 |
| Tier 1 risk-based capital ratio | 9.6606% | 7,072 |
| Total risk-based capital ratio | 10.9277% | 7,071 |
| Memoranda: | ||
| Average total assets | $163,662,330 | 3,620 |
| Average earning assets | $157,811,670 | 3,484 |
| Average equity | $12,747,670 | 4,393 |
| Average total loans | $148,128,330 | 2,714 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5192% | 1,245 |
| Cost of funding earning assets | 1.4448% | 1,409 |
| Net interest margin | 4.0744% | 2,368 |
| Noninterest income to average assets | 0.4209% | 4,535 |
| Noninterest expense to average assets | 2.5500% | 5,388 |
| Loan and lease loss provision to assets | 0.7427% | 1,140 |
| Net operating income to assets | 1.0448% | 2,020 |
| Return on assets (ROA) | 1.0448% | 2,073 |
| Pretax return on assets | 1.0448% | 2,970 |
| Return on Equity (ROE) | 13.5397% | 1,080 |
| Retained earnings to average equity (ytd only) | 13.5397% | 520 |
| Net charge-offs to loans | 0.1247% | 3,775 |
| Credit loss provision to net charge-offs | 666.6667% | 564 |
| Earnings coverage of net charge-offs (x) | 16.0444% | 1,286 |
| Efficiency ratio | 58.7900% | 6,159 |
| Assets per employee ($millions) | 5.9051% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2327% | 1,885 |
| Loan loss allowance to noncurrent loans | 310.8286% | 997 |
| Noncurrent assets plus other real estate owned to assets | 1.3196% | 4,327 |
| Noncurrent loans to loans | 0.7183% | 5,574 |
| Net loans and leases to total assets | 90.6579% | 33 |
| Net loans and leases to deposits | 100.0637% | 464 |
| Net loans and leases to core deposits | 138.6673% | 197 |
| Total domestic deposits to total assets | 90.6002% | 799 |
| Equity capital to assets | 7.9516% | 6,541 |
| Core capital (leverage) ratio | 7.6975% | 6,560 |
| Tier 1 risk-based capital ratio | 9.6986% | 7,094 |
| Total risk-based capital ratio | 10.9647% | 7,101 |
| Memoranda: | ||
| Average total assets | $161,568,500 | 3,679 |
| Average earning assets | $155,312,500 | 3,557 |
| Average equity | $12,467,000 | 4,454 |
| Average total loans | $144,358,500 | 2,798 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4990% | 2,285 |
| Cost of funding earning assets | 1.8232% | 1,087 |
| Net interest margin | 3.6758% | 4,461 |
| Noninterest income to average assets | 0.6390% | 3,219 |
| Noninterest expense to average assets | 3.8093% | 1,472 |
| Loan and lease loss provision to assets | 1.8087% | 766 |
| Net operating income to assets | -3.5496% | 7,380 |
| Return on assets (ROA) | -3.5496% | 7,396 |
| Pretax return on assets | -1.5845% | 6,889 |
| Return on Equity (ROE) | -30.8873% | 7,243 |
| Retained earnings to average equity (ytd only) | -30.8873% | 7,231 |
| Net charge-offs to loans | 1.3790% | 1,620 |
| Credit loss provision to net charge-offs | 155.3689% | 2,277 |
| Earnings coverage of net charge-offs (x) | 0.1926% | 5,918 |
| Efficiency ratio | 94.4425% | 1,041 |
| Assets per employee ($millions) | 5.8464% | 1,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1622% | 1,940 |
| Loan loss allowance to noncurrent loans | 1,171.5385% | 329 |
| Noncurrent assets plus other real estate owned to assets | 1.3146% | 4,394 |
| Noncurrent loans to loans | 0.1846% | 6,700 |
| Net loans and leases to total assets | 84.1953% | 283 |
| Net loans and leases to deposits | 91.3850% | 1,339 |
| Net loans and leases to core deposits | 129.8212% | 332 |
| Total domestic deposits to total assets | 92.1325% | 257 |
| Equity capital to assets | 7.4870% | 6,886 |
| Core capital (leverage) ratio | 7.2207% | 6,896 |
| Tier 1 risk-based capital ratio | 9.5739% | 7,118 |
| Total risk-based capital ratio | 10.8367% | 7,122 |
| Memoranda: | ||
| Average total assets | $143,200,400 | 4,004 |
| Average earning assets | $132,242,400 | 3,969 |
| Average equity | $16,456,600 | 3,677 |
| Average total loans | $120,885,200 | 3,299 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4368% | 2,710 |
| Cost of funding earning assets | 1.8570% | 1,179 |
| Net interest margin | 3.5798% | 4,973 |
| Noninterest income to average assets | 0.5987% | 3,447 |
| Noninterest expense to average assets | 2.7356% | 4,743 |
| Loan and lease loss provision to assets | 0.7870% | 1,938 |
| Net operating income to assets | 0.1825% | 5,560 |
| Return on assets (ROA) | 0.1825% | 5,725 |
| Pretax return on assets | 0.3505% | 5,366 |
| Return on Equity (ROE) | 1.4394% | 5,783 |
| Retained earnings to average equity (ytd only) | 1.4394% | 5,224 |
| Net charge-offs to loans | 1.1217% | 1,817 |
| Credit loss provision to net charge-offs | 83.5897% | 5,020 |
| Earnings coverage of net charge-offs (x) | 1.2082% | 4,853 |
| Efficiency ratio | 70.6308% | 3,952 |
| Assets per employee ($millions) | 5.9711% | 1,262 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4923% | 4,001 |
| Loan loss allowance to noncurrent loans | 198.4833% | 1,454 |
| Noncurrent assets plus other real estate owned to assets | 3.9827% | 1,760 |
| Noncurrent loans to loans | 0.7519% | 5,699 |
| Net loans and leases to total assets | 80.3723% | 684 |
| Net loans and leases to deposits | 90.5215% | 1,649 |
| Net loans and leases to core deposits | 136.4529% | 295 |
| Total domestic deposits to total assets | 88.7881% | 1,517 |
| Equity capital to assets | 10.9148% | 3,041 |
| Core capital (leverage) ratio | 10.2583% | 2,975 |
| Tier 1 risk-based capital ratio | 12.3164% | 5,161 |
| Total risk-based capital ratio | 13.5701% | 5,135 |
| Memoranda: | ||
| Average total assets | $138,076,000 | 4,147 |
| Average earning assets | $126,296,500 | 4,153 |
| Average equity | $17,506,750 | 3,554 |
| Average total loans | $115,888,500 | 3,451 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3860% | 3,035 |
| Cost of funding earning assets | 1.8800% | 1,308 |
| Net interest margin | 3.5060% | 5,226 |
| Noninterest income to average assets | 0.6137% | 3,233 |
| Noninterest expense to average assets | 2.8061% | 4,455 |
| Loan and lease loss provision to assets | 0.6704% | 2,153 |
| Net operating income to assets | 0.1795% | 5,633 |
| Return on assets (ROA) | 0.1795% | 5,756 |
| Pretax return on assets | 0.3360% | 5,404 |
| Return on Equity (ROE) | 1.3389% | 5,856 |
| Retained earnings to average equity (ytd only) | 1.3389% | 5,216 |
| Net charge-offs to loans | 0.0036% | 6,325 |
| Credit loss provision to net charge-offs | 21,850.0000% | 14 |
| Earnings coverage of net charge-offs (x) | 328.0000% | 97 |
| Efficiency ratio | 73.6016% | 3,545 |
| Assets per employee ($millions) | 5.4590% | 1,669 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1286% | 1,910 |
| Loan loss allowance to noncurrent loans | 135.9915% | 2,043 |
| Noncurrent assets plus other real estate owned to assets | 4.9615% | 1,307 |
| Noncurrent loans to loans | 1.5652% | 4,362 |
| Net loans and leases to total assets | 79.7963% | 826 |
| Net loans and leases to deposits | 90.9594% | 1,696 |
| Net loans and leases to core deposits | 143.0718% | 255 |
| Total domestic deposits to total assets | 87.7275% | 2,152 |
| Equity capital to assets | 11.8763% | 2,164 |
| Core capital (leverage) ratio | 11.5658% | 1,871 |
| Tier 1 risk-based capital ratio | 13.3288% | 4,184 |
| Total risk-based capital ratio | 14.5909% | 4,137 |
| Memoranda: | ||
| Average total assets | $130,361,000 | 4,343 |
| Average earning assets | $118,938,000 | 4,338 |
| Average equity | $17,476,670 | 3,550 |
| Average total loans | $110,671,330 | 3,615 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6142% | 2,092 |
| Cost of funding earning assets | 1.9945% | 1,103 |
| Net interest margin | 3.6197% | 4,627 |
| Noninterest income to average assets | 0.6467% | 2,956 |
| Noninterest expense to average assets | 2.6591% | 5,106 |
| Loan and lease loss provision to assets | 0.3447% | 3,312 |
| Net operating income to assets | 0.5581% | 4,097 |
| Return on assets (ROA) | 0.5581% | 4,240 |
| Pretax return on assets | 0.9258% | 3,366 |
| Return on Equity (ROE) | 3.8941% | 4,938 |
| Retained earnings to average equity (ytd only) | 3.8941% | 3,806 |
| Net charge-offs to loans | 0.0076% | 5,488 |
| Credit loss provision to net charge-offs | 5,250.0000% | 89 |
| Earnings coverage of net charge-offs (x) | 193.5000% | 176 |
| Efficiency ratio | 67.6692% | 4,786 |
| Assets per employee ($millions) | 4.7228% | 2,610 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1160% | 1,923 |
| Loan loss allowance to noncurrent loans | 118.3413% | 2,342 |
| Noncurrent assets plus other real estate owned to assets | 5.9555% | 1,015 |
| Noncurrent loans to loans | 1.7880% | 4,063 |
| Net loans and leases to total assets | 83.8583% | 388 |
| Net loans and leases to deposits | 98.1920% | 894 |
| Net loans and leases to core deposits | 118.8296% | 831 |
| Total domestic deposits to total assets | 85.4024% | 3,463 |
| Equity capital to assets | 14.2808% | 1,075 |
| Core capital (leverage) ratio | 12.7003% | 1,328 |
| Tier 1 risk-based capital ratio | 15.4462% | 2,893 |
| Total risk-based capital ratio | 16.7104% | 2,837 |
| Memoranda: | ||
| Average total assets | $121,844,500 | 4,587 |
| Average earning assets | $110,505,500 | 4,597 |
| Average equity | $17,462,500 | 3,577 |
| Average total loans | $105,920,500 | 3,779 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5297% | 3,990 |
| Cost of funding earning assets | 2.3822% | 1,354 |
| Net interest margin | 3.1476% | 6,233 |
| Noninterest income to average assets | 0.5718% | 3,843 |
| Noninterest expense to average assets | 2.8650% | 4,674 |
| Loan and lease loss provision to assets | 4.5656% | 252 |
| Net operating income to assets | -2.3645% | 7,219 |
| Return on assets (ROA) | -2.3645% | 7,224 |
| Pretax return on assets | -3.9132% | 7,505 |
| Return on Equity (ROE) | -14.4959% | 6,909 |
| Retained earnings to average equity (ytd only) | -14.4959% | 6,854 |
| Net charge-offs to loans | 4.3724% | 342 |
| Credit loss provision to net charge-offs | 117.1422% | 4,629 |
| Earnings coverage of net charge-offs (x) | 0.1674% | 5,988 |
| Efficiency ratio | 81.4535% | 2,677 |
| Assets per employee ($millions) | 4.8358% | 2,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9908% | 2,053 |
| Loan loss allowance to noncurrent loans | 55.9715% | 4,639 |
| Noncurrent assets plus other real estate owned to assets | 5.8712% | 967 |
| Noncurrent loans to loans | 3.5568% | 2,136 |
| Net loans and leases to total assets | 86.4544% | 252 |
| Net loans and leases to deposits | 101.4226% | 795 |
| Net loans and leases to core deposits | 142.1892% | 729 |
| Total domestic deposits to total assets | 85.2417% | 3,438 |
| Equity capital to assets | 14.3836% | 1,054 |
| Core capital (leverage) ratio | 12.5072% | 1,453 |
| Tier 1 risk-based capital ratio | 15.3578% | 2,781 |
| Total risk-based capital ratio | 16.6200% | 2,727 |
| Memoranda: | ||
| Average total assets | $120,488,600 | 4,547 |
| Average earning assets | $112,754,000 | 4,486 |
| Average equity | $19,653,800 | 3,256 |
| Average total loans | $107,401,400 | 3,751 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5414% | 4,207 |
| Cost of funding earning assets | 2.4889% | 1,338 |
| Net interest margin | 3.0525% | 6,457 |
| Noninterest income to average assets | 0.5859% | 3,810 |
| Noninterest expense to average assets | 2.5462% | 5,911 |
| Loan and lease loss provision to assets | 0.6656% | 2,745 |
| Net operating income to assets | 0.1517% | 5,316 |
| Return on assets (ROA) | 0.1517% | 5,376 |
| Pretax return on assets | 0.2470% | 5,194 |
| Return on Equity (ROE) | 0.9034% | 5,529 |
| Retained earnings to average equity (ytd only) | 0.9034% | 4,805 |
| Net charge-offs to loans | 0.5044% | 3,209 |
| Credit loss provision to net charge-offs | 147.6658% | 3,278 |
| Earnings coverage of net charge-offs (x) | 2.0246% | 4,302 |
| Efficiency ratio | 73.6151% | 3,935 |
| Assets per employee ($millions) | 4.9568% | 2,203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4150% | 3,866 |
| Loan loss allowance to noncurrent loans | 32.3284% | 6,281 |
| Noncurrent assets plus other real estate owned to assets | 7.0500% | 683 |
| Noncurrent loans to loans | 4.3770% | 1,618 |
| Net loans and leases to total assets | 88.5495% | 173 |
| Net loans and leases to deposits | 109.1423% | 491 |
| Net loans and leases to core deposits | 157.1682% | 436 |
| Total domestic deposits to total assets | 81.1321% | 5,024 |
| Equity capital to assets | 17.1354% | 616 |
| Core capital (leverage) ratio | 16.1772% | 649 |
| Tier 1 risk-based capital ratio | 20.4069% | 1,477 |
| Total risk-based capital ratio | 21.6610% | 1,434 |
| Memoranda: | ||
| Average total assets | $120,387,000 | 4,584 |
| Average earning assets | $113,302,250 | 4,504 |
| Average equity | $20,220,000 | 3,199 |
| Average total loans | $107,591,250 | 3,784 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5072% | 4,585 |
| Cost of funding earning assets | 2.6185% | 1,237 |
| Net interest margin | 2.8886% | 6,826 |
| Noninterest income to average assets | 0.5659% | 3,922 |
| Noninterest expense to average assets | 2.5732% | 5,845 |
| Loan and lease loss provision to assets | 0.5097% | 2,987 |
| Net operating income to assets | 0.1291% | 5,477 |
| Return on assets (ROA) | 0.1291% | 5,583 |
| Pretax return on assets | 0.2085% | 5,447 |
| Return on Equity (ROE) | 0.7736% | 5,704 |
| Retained earnings to average equity (ytd only) | 0.7736% | 4,886 |
| Net charge-offs to loans | 0.6139% | 2,506 |
| Credit loss provision to net charge-offs | 93.0514% | 4,835 |
| Earnings coverage of net charge-offs (x) | 1.3112% | 4,541 |
| Efficiency ratio | 78.1800% | 3,318 |
| Assets per employee ($millions) | 5.0678% | 2,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2031% | 4,912 |
| Loan loss allowance to noncurrent loans | 49.6740% | 5,045 |
| Noncurrent assets plus other real estate owned to assets | 4.8608% | 1,119 |
| Noncurrent loans to loans | 2.4221% | 2,992 |
| Net loans and leases to total assets | 87.4320% | 277 |
| Net loans and leases to deposits | 105.7678% | 777 |
| Net loans and leases to core deposits | 167.6256% | 350 |
| Total domestic deposits to total assets | 82.6641% | 4,393 |
| Equity capital to assets | 16.6519% | 719 |
| Core capital (leverage) ratio | 16.2209% | 718 |
| Tier 1 risk-based capital ratio | 20.6283% | 1,457 |
| Total risk-based capital ratio | 21.8793% | 1,418 |
| Memoranda: | ||
| Average total assets | $120,861,330 | 4,609 |
| Average earning assets | $114,033,000 | 4,512 |
| Average equity | $20,165,000 | 3,220 |
| Average total loans | $107,837,000 | 3,818 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4027% | 5,416 |
| Cost of funding earning assets | 2.7309% | 1,172 |
| Net interest margin | 2.6717% | 7,263 |
| Noninterest income to average assets | 0.3154% | 5,919 |
| Noninterest expense to average assets | 2.4237% | 6,119 |
| Loan and lease loss provision to assets | 0.7570% | 1,701 |
| Net operating income to assets | -0.1926% | 6,544 |
| Return on assets (ROA) | -0.1926% | 6,627 |
| Pretax return on assets | -0.3187% | 6,689 |
| Return on Equity (ROE) | -1.1530% | 6,568 |
| Retained earnings to average equity (ytd only) | -1.1530% | 5,929 |
| Net charge-offs to loans | 0.9265% | 1,432 |
| Credit loss provision to net charge-offs | 91.2000% | 3,977 |
| Earnings coverage of net charge-offs (x) | 0.5280% | 4,568 |
| Efficiency ratio | 84.6868% | 2,225 |
| Assets per employee ($millions) | 5.8008% | 1,319 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1868% | 4,886 |
| Loan loss allowance to noncurrent loans | 33.3333% | 6,313 |
| Noncurrent assets plus other real estate owned to assets | 3.1917% | 1,741 |
| Noncurrent loans to loans | 3.5604% | 1,772 |
| Net loans and leases to total assets | 88.5811% | 224 |
| Net loans and leases to deposits | 107.0900% | 782 |
| Net loans and leases to core deposits | 157.1347% | 542 |
| Total domestic deposits to total assets | 82.7166% | 4,280 |
| Equity capital to assets | 16.5298% | 790 |
| Core capital (leverage) ratio | 16.0574% | 775 |
| Tier 1 risk-based capital ratio | 20.3668% | 1,553 |
| Total risk-based capital ratio | 21.6169% | 1,518 |
| Memoranda: | ||
| Average total assets | $120,479,000 | 4,641 |
| Average earning assets | $114,832,000 | 4,508 |
| Average equity | $20,121,000 | 3,240 |
| Average total loans | $107,938,000 | 3,844 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0016% | 5,538 |
| Cost of funding earning assets | 3.0662% | 1,617 |
| Net interest margin | 2.9354% | 7,065 |
| Noninterest income to average assets | 0.2903% | 6,387 |
| Noninterest expense to average assets | 2.7042% | 5,249 |
| Loan and lease loss provision to assets | 0.5270% | 2,707 |
| Net operating income to assets | 0.8635% | 3,153 |
| Return on assets (ROA) | 0.8635% | 3,006 |
| Pretax return on assets | -0.1336% | 6,308 |
| Return on Equity (ROE) | 4.2295% | 4,721 |
| Retained earnings to average equity (ytd only) | 4.2295% | 2,485 |
| Net charge-offs to loans | 0.0024% | 6,986 |
| Credit loss provision to net charge-offs | 25,050.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 187.0000% | 249 |
| Efficiency ratio | 87.3005% | 1,741 |
| Assets per employee ($millions) | 5.6734% | 1,336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 4,270 |
| Loan loss allowance to noncurrent loans | 180.5479% | 2,122 |
| Noncurrent assets plus other real estate owned to assets | 0.6127% | 5,362 |
| Noncurrent loans to loans | 0.6843% | 5,327 |
| Net loans and leases to total assets | 88.4289% | 331 |
| Net loans and leases to deposits | 107.1660% | 1,028 |
| Net loans and leases to core deposits | 144.4479% | 1,073 |
| Total domestic deposits to total assets | 82.5158% | 3,985 |
| Equity capital to assets | 16.8757% | 791 |
| Core capital (leverage) ratio | 17.3662% | 663 |
| Tier 1 risk-based capital ratio | 20.7207% | 1,501 |
| Total risk-based capital ratio | 21.9728% | 1,474 |
| Memoranda: | ||
| Average total assets | $95,074,600 | 5,195 |
| Average earning assets | $90,926,000 | 5,054 |
| Average equity | $19,411,200 | 3,320 |
| Average total loans | $84,264,800 | 4,392 |