Home > Columbus First Bank > Performance and Condition Ratios
Columbus First Bank, Performance and Condition Ratios
| 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 | 4.1485% | 3,067 |
| Cost of funding earning assets | 0.8821% | 657 |
| Net interest margin | 3.2665% | 4,276 |
| Noninterest income to average assets | 0.1870% | 4,905 |
| Noninterest expense to average assets | 2.2541% | 4,279 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9180% | 3,214 |
| Return on assets (ROA) | 0.9180% | 3,226 |
| Pretax return on assets | 1.1649% | 2,905 |
| Return on Equity (ROE) | 9.0644% | 2,884 |
| Retained earnings to average equity (ytd only) | 9.0644% | 1,444 |
| 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 | 65.9278% | 3,168 |
| Assets per employee ($millions) | 8.3099% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1961% | 2,826 |
| Loan loss allowance to noncurrent loans | 615.0459% | 922 |
| Noncurrent assets plus other real estate owned to assets | 0.1682% | 4,250 |
| Noncurrent loans to loans | 0.1945% | 4,091 |
| Net loans and leases to total assets | 85.4400% | 302 |
| Net loans and leases to deposits | 108.0881% | 315 |
| Net loans and leases to core deposits | 126.2264% | 417 |
| Total domestic deposits to total assets | 79.0466% | 4,570 |
| Equity capital to assets | 10.3417% | 3,225 |
| Core capital (leverage) ratio | 10.6315% | 2,816 |
| Tier 1 risk-based capital ratio | 12.7164% | 4,105 |
| Total risk-based capital ratio | 13.9666% | 4,003 |
| Memoranda: | ||
| Average total assets | $327,230,500 | 2,033 |
| Average earning assets | $323,776,500 | 1,950 |
| Average equity | $33,140,500 | 2,180 |
| Average total loans | $281,659,500 | 1,689 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1865% | 2,737 |
| Cost of funding earning assets | 0.8896% | 396 |
| Net interest margin | 3.2968% | 4,174 |
| Noninterest income to average assets | 0.4298% | 3,440 |
| Noninterest expense to average assets | 2.2514% | 4,440 |
| Loan and lease loss provision to assets | 0.0596% | 3,042 |
| Net operating income to assets | 0.8030% | 3,143 |
| Return on assets (ROA) | 0.8030% | 3,184 |
| Pretax return on assets | 1.3609% | 2,122 |
| Return on Equity (ROE) | 8.3487% | 2,628 |
| Retained earnings to average equity (ytd only) | 8.3487% | 658 |
| Net charge-offs to loans | 0.0057% | 3,882 |
| Credit loss provision to net charge-offs | 1,218.7500% | 309 |
| Earnings coverage of net charge-offs (x) | 290.4375% | 296 |
| Efficiency ratio | 61.3137% | 4,049 |
| Assets per employee ($millions) | 7.8661% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1842% | 2,872 |
| Loan loss allowance to noncurrent loans | 977.2595% | 636 |
| Noncurrent assets plus other real estate owned to assets | 0.1038% | 4,614 |
| Noncurrent loans to loans | 0.1212% | 4,438 |
| Net loans and leases to total assets | 84.6662% | 376 |
| Net loans and leases to deposits | 106.8071% | 369 |
| Net loans and leases to core deposits | 123.8498% | 480 |
| Total domestic deposits to total assets | 79.2702% | 4,490 |
| Equity capital to assets | 9.9175% | 3,794 |
| Core capital (leverage) ratio | 10.0665% | 3,365 |
| Tier 1 risk-based capital ratio | 12.3430% | 4,299 |
| Total risk-based capital ratio | 13.5929% | 4,210 |
| Memoranda: | ||
| Average total assets | $327,136,600 | 2,027 |
| Average earning assets | $321,704,400 | 1,931 |
| Average equity | $31,466,000 | 2,256 |
| Average total loans | $280,823,400 | 1,655 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1382% | 2,841 |
| Cost of funding earning assets | 0.8772% | 398 |
| Net interest margin | 3.2611% | 4,293 |
| Noninterest income to average assets | 0.4404% | 3,398 |
| Noninterest expense to average assets | 2.3199% | 4,245 |
| Loan and lease loss provision to assets | 0.0756% | 2,557 |
| Net operating income to assets | 0.8727% | 3,162 |
| Return on assets (ROA) | 0.8727% | 3,212 |
| Pretax return on assets | 1.2470% | 2,725 |
| Return on Equity (ROE) | 9.1452% | 2,527 |
| Retained earnings to average equity (ytd only) | 9.1452% | 801 |
| Net charge-offs to loans | 0.0076% | 3,460 |
| Credit loss provision to net charge-offs | 1,156.2500% | 314 |
| Earnings coverage of net charge-offs (x) | 202.3390% | 430 |
| Efficiency ratio | 63.6904% | 3,610 |
| Assets per employee ($millions) | 8.5485% | 514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1502% | 3,201 |
| Loan loss allowance to noncurrent loans | 3,244.6602% | 231 |
| Noncurrent assets plus other real estate owned to assets | 0.0309% | 5,085 |
| Noncurrent loans to loans | 0.0355% | 4,959 |
| Net loans and leases to total assets | 86.1472% | 252 |
| Net loans and leases to deposits | 105.4722% | 439 |
| Net loans and leases to core deposits | 122.1259% | 512 |
| Total domestic deposits to total assets | 81.6776% | 3,872 |
| Equity capital to assets | 9.6803% | 4,265 |
| Core capital (leverage) ratio | 9.9153% | 3,678 |
| Tier 1 risk-based capital ratio | 11.6384% | 4,857 |
| Total risk-based capital ratio | 12.8436% | 4,777 |
| Memoranda: | ||
| Average total assets | $326,327,000 | 2,041 |
| Average earning assets | $320,420,250 | 1,946 |
| Average equity | $31,141,250 | 2,295 |
| Average total loans | $280,262,250 | 1,665 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0756% | 2,907 |
| Cost of funding earning assets | 0.8694% | 367 |
| Net interest margin | 3.2062% | 4,402 |
| Noninterest income to average assets | 0.5062% | 2,982 |
| Noninterest expense to average assets | 2.3848% | 4,092 |
| Loan and lease loss provision to assets | 0.0679% | 2,614 |
| Net operating income to assets | 0.8661% | 3,094 |
| Return on assets (ROA) | 0.8661% | 3,149 |
| Pretax return on assets | 1.1952% | 2,785 |
| Return on Equity (ROE) | 9.1211% | 2,454 |
| Retained earnings to average equity (ytd only) | 9.1211% | 807 |
| Net charge-offs to loans | 0.0130% | 2,999 |
| Credit loss provision to net charge-offs | 611.1111% | 559 |
| Earnings coverage of net charge-offs (x) | 113.6667% | 600 |
| Efficiency ratio | 65.3749% | 3,450 |
| Assets per employee ($millions) | 7.5724% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 3,310 |
| Loan loss allowance to noncurrent loans | 3,981.7073% | 169 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 5,168 |
| Noncurrent loans to loans | 0.0289% | 5,048 |
| Net loans and leases to total assets | 86.1590% | 260 |
| Net loans and leases to deposits | 108.5482% | 299 |
| Net loans and leases to core deposits | 123.5440% | 447 |
| Total domestic deposits to total assets | 79.3740% | 4,538 |
| Equity capital to assets | 9.6867% | 4,240 |
| Core capital (leverage) ratio | 9.8436% | 3,722 |
| Tier 1 risk-based capital ratio | 11.9140% | 4,693 |
| Total risk-based capital ratio | 13.1473% | 4,598 |
| Memoranda: | ||
| Average total assets | $323,972,670 | 2,061 |
| Average earning assets | $317,449,330 | 1,967 |
| Average equity | $30,764,000 | 2,315 |
| Average total loans | $276,833,670 | 1,682 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0166% | 2,973 |
| Cost of funding earning assets | 0.8713% | 328 |
| Net interest margin | 3.1453% | 4,516 |
| Noninterest income to average assets | 0.1337% | 5,447 |
| Noninterest expense to average assets | 2.2664% | 4,490 |
| Loan and lease loss provision to assets | 0.0371% | 3,058 |
| Net operating income to assets | 0.5904% | 4,200 |
| Return on assets (ROA) | 0.5904% | 4,244 |
| Pretax return on assets | 0.8999% | 3,771 |
| Return on Equity (ROE) | 6.2814% | 3,770 |
| Retained earnings to average equity (ytd only) | 6.2814% | 2,193 |
| Net charge-offs to loans | -0.0702% | 5,325 |
| Credit loss provision to net charge-offs | -62.5000% | 3,889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7496% | 2,784 |
| Assets per employee ($millions) | 7.5376% | 742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1668% | 3,322 |
| Loan loss allowance to noncurrent loans | 1,890.6977% | 362 |
| Noncurrent assets plus other real estate owned to assets | 0.0531% | 5,089 |
| Noncurrent loans to loans | 0.0617% | 4,951 |
| Net loans and leases to total assets | 84.9841% | 289 |
| Net loans and leases to deposits | 104.6611% | 374 |
| Net loans and leases to core deposits | 120.0256% | 463 |
| Total domestic deposits to total assets | 81.1994% | 4,372 |
| Equity capital to assets | 9.4454% | 4,346 |
| Core capital (leverage) ratio | 9.5269% | 4,090 |
| Tier 1 risk-based capital ratio | 11.7569% | 4,881 |
| Total risk-based capital ratio | 13.0058% | 4,783 |
| Memoranda: | ||
| Average total assets | $323,152,500 | 2,079 |
| Average earning assets | $315,394,000 | 1,995 |
| Average equity | $30,375,500 | 2,349 |
| Average total loans | $273,345,500 | 1,711 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0647% | 2,976 |
| Cost of funding earning assets | 0.8456% | 399 |
| Net interest margin | 3.2191% | 4,381 |
| Noninterest income to average assets | 0.2369% | 4,998 |
| Noninterest expense to average assets | 2.2676% | 4,619 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.7245% | 3,671 |
| Return on assets (ROA) | 0.7245% | 3,785 |
| Pretax return on assets | 1.1043% | 3,088 |
| Return on Equity (ROE) | 8.3020% | 2,779 |
| Retained earnings to average equity (ytd only) | 8.3020% | 758 |
| Net charge-offs to loans | 0.1090% | 2,177 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 12.2652% | 2,468 |
| Efficiency ratio | 67.2505% | 3,392 |
| Assets per employee ($millions) | 7.3225% | 791 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1840% | 3,212 |
| Loan loss allowance to noncurrent loans | 1,090.3780% | 565 |
| Noncurrent assets plus other real estate owned to assets | 0.0903% | 4,976 |
| Noncurrent loans to loans | 0.1086% | 4,796 |
| Net loans and leases to total assets | 82.1936% | 580 |
| Net loans and leases to deposits | 102.4941% | 501 |
| Net loans and leases to core deposits | 116.6722% | 589 |
| Total domestic deposits to total assets | 80.1936% | 4,530 |
| Equity capital to assets | 9.3539% | 4,421 |
| Core capital (leverage) ratio | 9.4958% | 4,085 |
| Tier 1 risk-based capital ratio | 11.9829% | 4,738 |
| Total risk-based capital ratio | 13.2330% | 4,626 |
| Memoranda: | ||
| Average total assets | $309,880,600 | 2,114 |
| Average earning assets | $301,792,200 | 2,030 |
| Average equity | $27,041,800 | 2,565 |
| Average total loans | $255,854,400 | 1,762 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0768% | 2,961 |
| Cost of funding earning assets | 0.8385% | 409 |
| Net interest margin | 3.2383% | 4,382 |
| Noninterest income to average assets | 0.2468% | 4,994 |
| Noninterest expense to average assets | 2.2437% | 4,663 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7609% | 3,558 |
| Return on assets (ROA) | 0.7609% | 3,689 |
| Pretax return on assets | 1.1586% | 3,008 |
| Return on Equity (ROE) | 8.8877% | 2,561 |
| Retained earnings to average equity (ytd only) | 8.8877% | 854 |
| Net charge-offs to loans | 0.1102% | 1,840 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 12.7560% | 2,360 |
| Efficiency ratio | 65.9471% | 3,601 |
| Assets per employee ($millions) | 7.2172% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2694% | 2,846 |
| Loan loss allowance to noncurrent loans | 557.2165% | 959 |
| Noncurrent assets plus other real estate owned to assets | 0.1875% | 4,685 |
| Noncurrent loans to loans | 0.2278% | 4,455 |
| Net loans and leases to total assets | 81.2789% | 720 |
| Net loans and leases to deposits | 99.4829% | 737 |
| Net loans and leases to core deposits | 112.4977% | 784 |
| Total domestic deposits to total assets | 81.7013% | 4,038 |
| Equity capital to assets | 8.7462% | 5,365 |
| Core capital (leverage) ratio | 8.6696% | 5,187 |
| Tier 1 risk-based capital ratio | 11.5131% | 5,078 |
| Total risk-based capital ratio | 12.7648% | 4,990 |
| Memoranda: | ||
| Average total assets | $306,803,750 | 2,133 |
| Average earning assets | $298,955,000 | 2,050 |
| Average equity | $26,268,000 | 2,636 |
| Average total loans | $252,820,250 | 1,778 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0936% | 2,888 |
| Cost of funding earning assets | 0.8150% | 451 |
| Net interest margin | 3.2786% | 4,293 |
| Noninterest income to average assets | 0.2762% | 4,805 |
| Noninterest expense to average assets | 2.2910% | 4,634 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7755% | 3,424 |
| Return on assets (ROA) | 0.7755% | 3,571 |
| Pretax return on assets | 1.1812% | 2,856 |
| Return on Equity (ROE) | 9.1237% | 2,441 |
| Retained earnings to average equity (ytd only) | 9.1237% | 815 |
| Net charge-offs to loans | -0.0048% | 4,511 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9819% | 3,683 |
| Assets per employee ($millions) | 7.8864% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3799% | 2,380 |
| Loan loss allowance to noncurrent loans | 324.3902% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.3379% | 4,139 |
| Noncurrent loans to loans | 0.4254% | 3,829 |
| Net loans and leases to total assets | 78.3449% | 1,154 |
| Net loans and leases to deposits | 96.5082% | 1,025 |
| Net loans and leases to core deposits | 109.0316% | 979 |
| Total domestic deposits to total assets | 81.1795% | 4,221 |
| Equity capital to assets | 8.4250% | 5,638 |
| Core capital (leverage) ratio | 8.6635% | 5,203 |
| Tier 1 risk-based capital ratio | 11.5403% | 5,126 |
| Total risk-based capital ratio | 12.7935% | 5,012 |
| Memoranda: | ||
| Average total assets | $305,625,330 | 2,145 |
| Average earning assets | $297,928,670 | 2,066 |
| Average equity | $25,976,330 | 2,669 |
| Average total loans | $251,932,670 | 1,787 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0934% | 2,867 |
| Cost of funding earning assets | 0.7936% | 504 |
| Net interest margin | 3.2998% | 4,216 |
| Noninterest income to average assets | 0.3725% | 4,057 |
| Noninterest expense to average assets | 2.4396% | 4,260 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7569% | 3,451 |
| Return on assets (ROA) | 0.7569% | 3,559 |
| Pretax return on assets | 1.1519% | 2,884 |
| Return on Equity (ROE) | 8.8643% | 2,491 |
| Retained earnings to average equity (ytd only) | 8.8643% | 1,158 |
| Net charge-offs to loans | -0.0016% | 4,103 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9259% | 3,473 |
| Assets per employee ($millions) | 7.9652% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3318% | 2,752 |
| Loan loss allowance to noncurrent loans | 318.5424% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.3581% | 4,136 |
| Noncurrent loans to loans | 0.4181% | 3,942 |
| Net loans and leases to total assets | 84.5216% | 327 |
| Net loans and leases to deposits | 104.8325% | 375 |
| Net loans and leases to core deposits | 117.8876% | 530 |
| Total domestic deposits to total assets | 80.6253% | 4,599 |
| Equity capital to assets | 8.5771% | 5,517 |
| Core capital (leverage) ratio | 8.6936% | 5,184 |
| Tier 1 risk-based capital ratio | 10.7014% | 5,660 |
| Total risk-based capital ratio | 11.9537% | 5,573 |
| Memoranda: | ||
| Average total assets | $300,711,000 | 2,185 |
| Average earning assets | $293,347,500 | 2,102 |
| Average equity | $25,676,000 | 2,689 |
| Average total loans | $252,599,000 | 1,779 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1138% | 2,863 |
| Cost of funding earning assets | 0.8047% | 478 |
| Net interest margin | 3.3091% | 4,261 |
| Noninterest income to average assets | 0.4744% | 3,504 |
| Noninterest expense to average assets | 2.3644% | 4,602 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8797% | 2,980 |
| Return on assets (ROA) | 0.8797% | 3,065 |
| Pretax return on assets | 1.3399% | 2,131 |
| Return on Equity (ROE) | 9.7714% | 2,094 |
| Retained earnings to average equity (ytd only) | 9.7714% | 495 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.8286% | 4,309 |
| Assets per employee ($millions) | 7.8617% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4037% | 2,406 |
| Loan loss allowance to noncurrent loans | 308.7657% | 1,595 |
| Noncurrent assets plus other real estate owned to assets | 0.3742% | 4,099 |
| Noncurrent loans to loans | 0.4546% | 3,840 |
| Net loans and leases to total assets | 81.1614% | 685 |
| Net loans and leases to deposits | 99.5185% | 710 |
| Net loans and leases to core deposits | 107.8768% | 979 |
| Total domestic deposits to total assets | 81.5540% | 4,318 |
| Equity capital to assets | 8.4993% | 5,564 |
| Core capital (leverage) ratio | 8.1558% | 5,729 |
| Tier 1 risk-based capital ratio | 11.1136% | 5,462 |
| Total risk-based capital ratio | 12.3668% | 5,363 |
| Memoranda: | ||
| Average total assets | $294,871,200 | 2,178 |
| Average earning assets | $287,814,400 | 2,087 |
| Average equity | $26,546,800 | 2,591 |
| Average total loans | $243,954,400 | 1,768 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1216% | 2,849 |
| Cost of funding earning assets | 0.8029% | 486 |
| Net interest margin | 3.3186% | 4,269 |
| Noninterest income to average assets | 0.4750% | 3,537 |
| Noninterest expense to average assets | 2.4847% | 4,246 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8089% | 3,390 |
| Return on assets (ROA) | 0.8089% | 3,488 |
| Pretax return on assets | 1.2321% | 2,688 |
| Return on Equity (ROE) | 8.8586% | 2,651 |
| Retained earnings to average equity (ytd only) | 8.8586% | 952 |
| Net charge-offs to loans | 0.0082% | 3,880 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 181.0620% | 398 |
| Efficiency ratio | 66.8497% | 3,744 |
| Assets per employee ($millions) | 7.8243% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 2,585 |
| Loan loss allowance to noncurrent loans | 302.5528% | 1,611 |
| Noncurrent assets plus other real estate owned to assets | 0.3723% | 4,279 |
| Noncurrent loans to loans | 0.4633% | 3,967 |
| Net loans and leases to total assets | 79.2195% | 923 |
| Net loans and leases to deposits | 97.9910% | 817 |
| Net loans and leases to core deposits | 106.3871% | 1,069 |
| Total domestic deposits to total assets | 80.8436% | 4,514 |
| Equity capital to assets | 9.0950% | 5,215 |
| Core capital (leverage) ratio | 9.2691% | 4,628 |
| Tier 1 risk-based capital ratio | 12.2221% | 4,945 |
| Total risk-based capital ratio | 13.4750% | 4,848 |
| Memoranda: | ||
| Average total assets | $293,903,250 | 2,200 |
| Average earning assets | $287,101,500 | 2,102 |
| Average equity | $26,835,750 | 2,575 |
| Average total loans | $243,464,000 | 1,779 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1501% | 2,719 |
| Cost of funding earning assets | 0.8013% | 495 |
| Net interest margin | 3.3489% | 4,112 |
| Noninterest income to average assets | 0.4046% | 4,052 |
| Noninterest expense to average assets | 2.4745% | 4,315 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7892% | 3,441 |
| Return on assets (ROA) | 0.7892% | 3,539 |
| Pretax return on assets | 1.2028% | 2,766 |
| Return on Equity (ROE) | 8.6317% | 2,730 |
| Retained earnings to average equity (ytd only) | 8.6317% | 1,032 |
| Net charge-offs to loans | 0.0189% | 3,313 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 75.8696% | 737 |
| Efficiency ratio | 67.2915% | 3,790 |
| Assets per employee ($millions) | 7.7375% | 600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4019% | 2,751 |
| Loan loss allowance to noncurrent loans | 543.4231% | 968 |
| Noncurrent assets plus other real estate owned to assets | 0.2146% | 5,011 |
| Noncurrent loans to loans | 0.2580% | 4,757 |
| Net loans and leases to total assets | 82.0234% | 552 |
| Net loans and leases to deposits | 102.4873% | 524 |
| Net loans and leases to core deposits | 112.3985% | 734 |
| Total domestic deposits to total assets | 80.0327% | 4,860 |
| Equity capital to assets | 9.2210% | 4,993 |
| Core capital (leverage) ratio | 9.1483% | 4,753 |
| Tier 1 risk-based capital ratio | 11.8491% | 5,245 |
| Total risk-based capital ratio | 13.1021% | 5,145 |
| Memoranda: | ||
| Average total assets | $290,155,670 | 2,232 |
| Average earning assets | $283,556,330 | 2,144 |
| Average equity | $26,530,000 | 2,610 |
| Average total loans | $242,894,670 | 1,790 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1415% | 2,667 |
| Cost of funding earning assets | 0.7877% | 541 |
| Net interest margin | 3.3538% | 4,008 |
| Noninterest income to average assets | 0.4025% | 3,984 |
| Noninterest expense to average assets | 2.5203% | 4,201 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7633% | 3,465 |
| Return on assets (ROA) | 0.7633% | 3,598 |
| Pretax return on assets | 1.1616% | 2,827 |
| Return on Equity (ROE) | 8.3845% | 2,760 |
| Retained earnings to average equity (ytd only) | 8.3845% | 1,420 |
| Net charge-offs to loans | 0.0413% | 2,404 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 33.4800% | 1,081 |
| Efficiency ratio | 68.4508% | 3,748 |
| Assets per employee ($millions) | 7.5797% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4113% | 2,867 |
| Loan loss allowance to noncurrent loans | 885.5297% | 605 |
| Noncurrent assets plus other real estate owned to assets | 0.1309% | 5,432 |
| Noncurrent loans to loans | 0.1594% | 5,207 |
| Net loans and leases to total assets | 80.9850% | 569 |
| Net loans and leases to deposits | 100.3155% | 545 |
| Net loans and leases to core deposits | 110.4270% | 728 |
| Total domestic deposits to total assets | 80.7302% | 4,875 |
| Equity capital to assets | 8.9696% | 5,328 |
| Core capital (leverage) ratio | 9.1701% | 4,757 |
| Tier 1 risk-based capital ratio | 11.5654% | 5,515 |
| Total risk-based capital ratio | 12.8181% | 5,430 |
| Memoranda: | ||
| Average total assets | $288,220,500 | 2,262 |
| Average earning assets | $281,832,500 | 2,164 |
| Average equity | $26,239,000 | 2,656 |
| Average total loans | $242,042,500 | 1,794 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2293% | 2,851 |
| Cost of funding earning assets | 0.8239% | 570 |
| Net interest margin | 3.4054% | 4,175 |
| Noninterest income to average assets | 0.3658% | 4,472 |
| Noninterest expense to average assets | 2.3391% | 5,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8858% | 2,946 |
| Return on assets (ROA) | 0.8858% | 3,027 |
| Pretax return on assets | 1.3503% | 2,077 |
| Return on Equity (ROE) | 9.7077% | 2,253 |
| Retained earnings to average equity (ytd only) | 9.7077% | 568 |
| Net charge-offs to loans | 0.1321% | 2,697 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 12.1395% | 2,414 |
| Efficiency ratio | 63.4014% | 4,685 |
| Assets per employee ($millions) | 7.5901% | 631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4308% | 2,795 |
| Loan loss allowance to noncurrent loans | 808.4309% | 720 |
| Noncurrent assets plus other real estate owned to assets | 0.1520% | 5,418 |
| Noncurrent loans to loans | 0.1770% | 5,193 |
| Net loans and leases to total assets | 84.6795% | 299 |
| Net loans and leases to deposits | 107.8641% | 298 |
| Net loans and leases to core deposits | 120.5672% | 399 |
| Total domestic deposits to total assets | 78.5057% | 5,347 |
| Equity capital to assets | 9.2450% | 5,012 |
| Core capital (leverage) ratio | 9.3502% | 4,463 |
| Tier 1 risk-based capital ratio | 11.7041% | 5,544 |
| Total risk-based capital ratio | 12.9577% | 5,452 |
| Memoranda: | ||
| Average total assets | $270,611,600 | 2,358 |
| Average earning assets | $264,108,600 | 2,242 |
| Average equity | $24,691,800 | 2,696 |
| Average total loans | $227,891,200 | 1,839 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2179% | 2,928 |
| Cost of funding earning assets | 0.8256% | 604 |
| Net interest margin | 3.3923% | 4,272 |
| Noninterest income to average assets | 0.3735% | 4,439 |
| Noninterest expense to average assets | 2.4064% | 4,803 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.8371% | 3,248 |
| Return on assets (ROA) | 0.8371% | 3,337 |
| Pretax return on assets | 1.2758% | 2,475 |
| Return on Equity (ROE) | 9.2063% | 2,584 |
| Retained earnings to average equity (ytd only) | 9.2063% | 926 |
| Net charge-offs to loans | 0.1176% | 2,632 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 12.9547% | 2,270 |
| Efficiency ratio | 65.3519% | 4,316 |
| Assets per employee ($millions) | 7.4236% | 660 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5591% | 2,464 |
| Loan loss allowance to noncurrent loans | 430.3874% | 1,112 |
| Noncurrent assets plus other real estate owned to assets | 0.3007% | 5,058 |
| Noncurrent loans to loans | 0.3623% | 4,823 |
| Net loans and leases to total assets | 81.7168% | 540 |
| Net loans and leases to deposits | 102.0747% | 498 |
| Net loans and leases to core deposits | 115.4842% | 529 |
| Total domestic deposits to total assets | 80.0559% | 5,083 |
| Equity capital to assets | 9.1917% | 5,155 |
| Core capital (leverage) ratio | 9.2515% | 4,705 |
| Tier 1 risk-based capital ratio | 11.8674% | 5,581 |
| Total risk-based capital ratio | 13.1225% | 5,494 |
| Memoranda: | ||
| Average total assets | $268,056,250 | 2,387 |
| Average earning assets | $261,447,750 | 2,280 |
| Average equity | $24,374,000 | 2,727 |
| Average total loans | $224,549,000 | 1,873 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2231% | 2,871 |
| Cost of funding earning assets | 0.8244% | 630 |
| Net interest margin | 3.3987% | 4,177 |
| Noninterest income to average assets | 0.3536% | 4,597 |
| Noninterest expense to average assets | 2.4322% | 4,793 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.8095% | 3,277 |
| Return on assets (ROA) | 0.8095% | 3,383 |
| Pretax return on assets | 1.2338% | 2,526 |
| Return on Equity (ROE) | 8.9358% | 2,625 |
| Retained earnings to average equity (ytd only) | 8.9358% | 1,008 |
| Net charge-offs to loans | 0.1647% | 2,072 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 8.9130% | 2,429 |
| Efficiency ratio | 66.3452% | 4,308 |
| Assets per employee ($millions) | 7.5366% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5892% | 2,505 |
| Loan loss allowance to noncurrent loans | 232.0546% | 1,887 |
| Noncurrent assets plus other real estate owned to assets | 0.5669% | 4,288 |
| Noncurrent loans to loans | 0.6848% | 4,004 |
| Net loans and leases to total assets | 81.4598% | 526 |
| Net loans and leases to deposits | 101.9729% | 451 |
| Net loans and leases to core deposits | 118.9577% | 403 |
| Total domestic deposits to total assets | 79.8838% | 5,269 |
| Equity capital to assets | 9.0805% | 5,219 |
| Core capital (leverage) ratio | 9.2974% | 4,594 |
| Tier 1 risk-based capital ratio | 11.6837% | 5,701 |
| Total risk-based capital ratio | 12.9390% | 5,646 |
| Memoranda: | ||
| Average total assets | $265,850,670 | 2,403 |
| Average earning assets | $259,099,000 | 2,291 |
| Average equity | $24,083,000 | 2,745 |
| Average total loans | $223,395,670 | 1,875 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2308% | 2,762 |
| Cost of funding earning assets | 0.8150% | 693 |
| Net interest margin | 3.4158% | 4,051 |
| Noninterest income to average assets | 0.1079% | 6,303 |
| Noninterest expense to average assets | 2.2317% | 5,379 |
| Loan and lease loss provision to assets | 0.0608% | 2,890 |
| Net operating income to assets | 0.7540% | 3,396 |
| Return on assets (ROA) | 0.7540% | 3,478 |
| Pretax return on assets | 1.1478% | 2,707 |
| Return on Equity (ROE) | 8.3340% | 2,773 |
| Retained earnings to average equity (ytd only) | 8.3340% | 1,482 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8696% | 4,715 |
| Assets per employee ($millions) | 7.9837% | 489 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6925% | 2,378 |
| Loan loss allowance to noncurrent loans | 170.7021% | 2,384 |
| Noncurrent assets plus other real estate owned to assets | 0.8186% | 3,689 |
| Noncurrent loans to loans | 0.9915% | 3,437 |
| Net loans and leases to total assets | 81.1649% | 440 |
| Net loans and leases to deposits | 103.1910% | 321 |
| Net loans and leases to core deposits | 120.3128% | 321 |
| Total domestic deposits to total assets | 78.6550% | 5,733 |
| Equity capital to assets | 8.8618% | 5,262 |
| Core capital (leverage) ratio | 9.1947% | 4,726 |
| Tier 1 risk-based capital ratio | 11.8348% | 5,740 |
| Total risk-based capital ratio | 13.0924% | 5,670 |
| Memoranda: | ||
| Average total assets | $263,117,000 | 2,436 |
| Average earning assets | $256,690,500 | 2,307 |
| Average equity | $23,806,000 | 2,773 |
| Average total loans | $222,801,500 | 1,880 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4887% | 2,253 |
| Cost of funding earning assets | 0.8844% | 801 |
| Net interest margin | 3.6043% | 3,449 |
| Noninterest income to average assets | 0.1077% | 6,364 |
| Noninterest expense to average assets | 2.2512% | 5,501 |
| Loan and lease loss provision to assets | 0.1513% | 2,391 |
| Net operating income to assets | 0.7831% | 3,377 |
| Return on assets (ROA) | 0.7831% | 3,484 |
| Pretax return on assets | 1.2055% | 2,557 |
| Return on Equity (ROE) | 8.9264% | 2,574 |
| Retained earnings to average equity (ytd only) | 8.9264% | 787 |
| Net charge-offs to loans | 0.0508% | 4,508 |
| Credit loss provision to net charge-offs | 353.7736% | 644 |
| Earnings coverage of net charge-offs (x) | 31.7264% | 1,126 |
| Efficiency ratio | 62.3952% | 5,140 |
| Assets per employee ($millions) | 7.2797% | 663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6944% | 2,420 |
| Loan loss allowance to noncurrent loans | 169.0541% | 2,399 |
| Noncurrent assets plus other real estate owned to assets | 0.9149% | 3,605 |
| Noncurrent loans to loans | 1.0023% | 3,511 |
| Net loans and leases to total assets | 85.4586% | 183 |
| Net loans and leases to deposits | 111.9861% | 141 |
| Net loans and leases to core deposits | 129.8485% | 198 |
| Total domestic deposits to total assets | 76.3118% | 6,066 |
| Equity capital to assets | 9.2457% | 4,753 |
| Core capital (leverage) ratio | 9.2781% | 4,590 |
| Tier 1 risk-based capital ratio | 11.6506% | 5,823 |
| Total risk-based capital ratio | 12.9083% | 5,758 |
| Memoranda: | ||
| Average total assets | $247,867,600 | 2,548 |
| Average earning assets | $240,715,000 | 2,418 |
| Average equity | $21,744,400 | 2,954 |
| Average total loans | $208,707,800 | 1,938 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5104% | 2,187 |
| Cost of funding earning assets | 0.8976% | 824 |
| Net interest margin | 3.6128% | 3,388 |
| Noninterest income to average assets | 0.1018% | 6,475 |
| Noninterest expense to average assets | 2.2599% | 5,456 |
| Loan and lease loss provision to assets | 0.1598% | 2,261 |
| Net operating income to assets | 0.7719% | 3,500 |
| Return on assets (ROA) | 0.7719% | 3,628 |
| Pretax return on assets | 1.1879% | 2,754 |
| Return on Equity (ROE) | 8.9236% | 2,675 |
| Retained earnings to average equity (ytd only) | 8.9236% | 1,079 |
| Net charge-offs to loans | -0.0272% | 6,143 |
| Credit loss provision to net charge-offs | -702.3810% | 6,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6426% | 5,043 |
| Assets per employee ($millions) | 7.2232% | 667 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7737% | 2,391 |
| Loan loss allowance to noncurrent loans | 157.2428% | 2,438 |
| Noncurrent assets plus other real estate owned to assets | 1.0617% | 3,530 |
| Noncurrent loans to loans | 1.1280% | 3,547 |
| Net loans and leases to total assets | 83.7018% | 263 |
| Net loans and leases to deposits | 110.2837% | 146 |
| Net loans and leases to core deposits | 123.6121% | 269 |
| Total domestic deposits to total assets | 75.8968% | 6,182 |
| Equity capital to assets | 8.7136% | 5,504 |
| Core capital (leverage) ratio | 8.8241% | 5,376 |
| Tier 1 risk-based capital ratio | 11.8711% | 5,863 |
| Total risk-based capital ratio | 13.1310% | 5,797 |
| Memoranda: | ||
| Average total assets | $246,137,250 | 2,581 |
| Average earning assets | $238,849,750 | 2,453 |
| Average equity | $21,291,250 | 3,044 |
| Average total loans | $205,511,750 | 1,972 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5302% | 2,089 |
| Cost of funding earning assets | 0.9130% | 840 |
| Net interest margin | 3.6172% | 3,293 |
| Noninterest income to average assets | 0.1140% | 6,482 |
| Noninterest expense to average assets | 2.2697% | 5,449 |
| Loan and lease loss provision to assets | 0.1640% | 2,279 |
| Net operating income to assets | 0.7708% | 3,461 |
| Return on assets (ROA) | 0.7708% | 3,619 |
| Pretax return on assets | 1.1857% | 2,740 |
| Return on Equity (ROE) | 8.9331% | 2,643 |
| Retained earnings to average equity (ytd only) | 8.9331% | 1,151 |
| Net charge-offs to loans | -0.0495% | 6,264 |
| Credit loss provision to net charge-offs | -400.0000% | 5,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7096% | 5,065 |
| Assets per employee ($millions) | 7.5863% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8067% | 2,419 |
| Loan loss allowance to noncurrent loans | 374.1483% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 0.5456% | 4,895 |
| Noncurrent loans to loans | 0.4829% | 5,059 |
| Net loans and leases to total assets | 81.0652% | 434 |
| Net loans and leases to deposits | 103.5661% | 279 |
| Net loans and leases to core deposits | 115.7378% | 397 |
| Total domestic deposits to total assets | 78.2738% | 5,930 |
| Equity capital to assets | 8.6004% | 5,667 |
| Core capital (leverage) ratio | 8.7672% | 5,333 |
| Tier 1 risk-based capital ratio | 12.0651% | 5,758 |
| Total risk-based capital ratio | 13.3253% | 5,698 |
| Memoranda: | ||
| Average total assets | $243,912,000 | 2,619 |
| Average earning assets | $236,371,670 | 2,484 |
| Average equity | $21,045,330 | 3,089 |
| Average total loans | $202,205,670 | 1,995 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5261% | 2,080 |
| Cost of funding earning assets | 0.9271% | 861 |
| Net interest margin | 3.5990% | 3,271 |
| Noninterest income to average assets | 0.1113% | 6,534 |
| Noninterest expense to average assets | 2.2618% | 5,530 |
| Loan and lease loss provision to assets | 0.1662% | 2,200 |
| Net operating income to assets | 0.7678% | 3,344 |
| Return on assets (ROA) | 0.7678% | 3,486 |
| Pretax return on assets | 1.1799% | 2,649 |
| Return on Equity (ROE) | 8.8835% | 2,533 |
| Retained earnings to average equity (ytd only) | 8.8835% | 1,417 |
| Net charge-offs to loans | -0.1420% | 6,582 |
| Credit loss provision to net charge-offs | -140.8451% | 5,195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6900% | 5,202 |
| Assets per employee ($millions) | 7.8821% | 517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8111% | 2,583 |
| Loan loss allowance to noncurrent loans | 199.8360% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.8991% | 4,138 |
| Noncurrent loans to loans | 0.9063% | 4,324 |
| Net loans and leases to total assets | 81.0965% | 343 |
| Net loans and leases to deposits | 105.0880% | 209 |
| Net loans and leases to core deposits | 118.7509% | 300 |
| Total domestic deposits to total assets | 77.1701% | 6,231 |
| Equity capital to assets | 8.6107% | 5,909 |
| Core capital (leverage) ratio | 8.9065% | 5,047 |
| Tier 1 risk-based capital ratio | 12.0102% | 5,907 |
| Total risk-based capital ratio | 13.2706% | 5,861 |
| Memoranda: | ||
| Average total assets | $240,694,000 | 2,665 |
| Average earning assets | $233,845,000 | 2,531 |
| Average equity | $20,802,500 | 3,159 |
| Average total loans | $199,969,000 | 2,028 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8693% | 1,953 |
| Cost of funding earning assets | 1.0110% | 1,297 |
| Net interest margin | 3.8583% | 2,993 |
| Noninterest income to average assets | 0.0068% | 6,804 |
| Noninterest expense to average assets | 2.2467% | 5,820 |
| Loan and lease loss provision to assets | 0.2883% | 2,361 |
| Net operating income to assets | 0.7851% | 3,347 |
| Return on assets (ROA) | 0.7851% | 3,598 |
| Pretax return on assets | 1.2139% | 2,757 |
| Return on Equity (ROE) | 7.7681% | 3,196 |
| Retained earnings to average equity (ytd only) | -7.8305% | 6,563 |
| Net charge-offs to loans | 0.0212% | 5,604 |
| Credit loss provision to net charge-offs | 1,641.0256% | 142 |
| Earnings coverage of net charge-offs (x) | 85.5128% | 454 |
| Efficiency ratio | 59.9303% | 5,552 |
| Assets per employee ($millions) | 7.9014% | 523 |
| Cash dividends to net income (ytd only)* | 200.8032% | 126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7585% | 2,728 |
| Loan loss allowance to noncurrent loans | 188.1210% | 1,945 |
| Noncurrent assets plus other real estate owned to assets | 0.9365% | 4,159 |
| Noncurrent loans to loans | 0.9348% | 4,322 |
| Net loans and leases to total assets | 82.1133% | 320 |
| Net loans and leases to deposits | 103.1418% | 293 |
| Net loans and leases to core deposits | 115.9190% | 362 |
| Total domestic deposits to total assets | 79.6121% | 5,758 |
| Equity capital to assets | 8.6757% | 5,871 |
| Core capital (leverage) ratio | 8.9345% | 4,997 |
| Tier 1 risk-based capital ratio | 12.1095% | 5,712 |
| Total risk-based capital ratio | 13.3696% | 5,670 |
| Memoranda: | ||
| Average total assets | $222,017,000 | 2,820 |
| Average earning assets | $215,329,400 | 2,674 |
| Average equity | $22,437,800 | 2,923 |
| Average total loans | $183,567,600 | 2,156 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9193% | 1,940 |
| Cost of funding earning assets | 1.0272% | 1,411 |
| Net interest margin | 3.8921% | 2,940 |
| Noninterest income to average assets | -0.0422% | 6,991 |
| Noninterest expense to average assets | 2.2382% | 5,858 |
| Loan and lease loss provision to assets | 0.3024% | 2,184 |
| Net operating income to assets | 0.7703% | 3,600 |
| Return on assets (ROA) | 0.7703% | 3,857 |
| Pretax return on assets | 1.1900% | 3,024 |
| Return on Equity (ROE) | 7.3400% | 3,619 |
| Retained earnings to average equity (ytd only) | 7.3400% | 1,926 |
| Net charge-offs to loans | -0.0178% | 6,477 |
| Credit loss provision to net charge-offs | -2,062.5000% | 6,610 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.9967% | 5,500 |
| Assets per employee ($millions) | 7.9690% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7872% | 2,831 |
| Loan loss allowance to noncurrent loans | 179.3358% | 1,941 |
| Noncurrent assets plus other real estate owned to assets | 0.9801% | 4,328 |
| Noncurrent loans to loans | 0.9966% | 4,458 |
| Net loans and leases to total assets | 80.8949% | 442 |
| Net loans and leases to deposits | 105.7392% | 240 |
| Net loans and leases to core deposits | 120.0139% | 311 |
| Total domestic deposits to total assets | 76.5041% | 6,317 |
| Equity capital to assets | 10.1982% | 4,207 |
| Core capital (leverage) ratio | 10.6191% | 2,779 |
| Tier 1 risk-based capital ratio | 14.5767% | 4,134 |
| Total risk-based capital ratio | 15.8372% | 4,096 |
| Memoranda: | ||
| Average total assets | $218,260,750 | 2,871 |
| Average earning assets | $211,569,750 | 2,741 |
| Average equity | $22,906,000 | 2,884 |
| Average total loans | $179,927,750 | 2,231 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9968% | 1,800 |
| Cost of funding earning assets | 1.0472% | 1,487 |
| Net interest margin | 3.9496% | 2,719 |
| Noninterest income to average assets | 0.0897% | 6,718 |
| Noninterest expense to average assets | 2.3965% | 5,473 |
| Loan and lease loss provision to assets | 0.3225% | 2,045 |
| Net operating income to assets | 0.7739% | 3,498 |
| Return on assets (ROA) | 0.7739% | 3,770 |
| Pretax return on assets | 1.1954% | 2,944 |
| Return on Equity (ROE) | 7.2999% | 3,614 |
| Retained earnings to average equity (ytd only) | 7.2999% | 1,953 |
| Net charge-offs to loans | -0.0453% | 6,637 |
| Credit loss provision to net charge-offs | -862.5000% | 6,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2225% | 5,383 |
| Assets per employee ($millions) | 7.8955% | 493 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8006% | 2,855 |
| Loan loss allowance to noncurrent loans | 158.7949% | 2,117 |
| Noncurrent assets plus other real estate owned to assets | 1.1991% | 4,012 |
| Noncurrent loans to loans | 1.1339% | 4,260 |
| Net loans and leases to total assets | 80.6183% | 439 |
| Net loans and leases to deposits | 105.2424% | 249 |
| Net loans and leases to core deposits | 119.7714% | 318 |
| Total domestic deposits to total assets | 76.6025% | 6,388 |
| Equity capital to assets | 10.4575% | 3,735 |
| Core capital (leverage) ratio | 10.8141% | 2,464 |
| Tier 1 risk-based capital ratio | 14.8807% | 3,848 |
| Total risk-based capital ratio | 16.1410% | 3,791 |
| Memoranda: | ||
| Average total assets | $213,981,000 | 2,934 |
| Average earning assets | $207,213,000 | 2,796 |
| Average equity | $22,685,330 | 2,889 |
| Average total loans | $176,453,670 | 2,281 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0142% | 1,840 |
| Cost of funding earning assets | 1.0675% | 1,579 |
| Net interest margin | 3.9467% | 2,733 |
| Noninterest income to average assets | 0.1388% | 6,550 |
| Noninterest expense to average assets | 2.3627% | 5,589 |
| Loan and lease loss provision to assets | 0.4277% | 1,465 |
| Net operating income to assets | 0.7622% | 3,564 |
| Return on assets (ROA) | 0.7622% | 3,800 |
| Pretax return on assets | 1.1785% | 2,996 |
| Return on Equity (ROE) | 7.1389% | 3,698 |
| Retained earnings to average equity (ytd only) | 7.1389% | 2,358 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5307% | 5,688 |
| Assets per employee ($millions) | 8.0326% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7583% | 3,133 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 6,153 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 80.0696% | 397 |
| Net loans and leases to deposits | 104.2547% | 245 |
| Net loans and leases to core deposits | 118.7214% | 330 |
| Total domestic deposits to total assets | 76.8019% | 6,430 |
| Equity capital to assets | 10.4560% | 3,545 |
| Core capital (leverage) ratio | 10.9614% | 2,290 |
| Tier 1 risk-based capital ratio | 14.8735% | 3,842 |
| Total risk-based capital ratio | 16.1334% | 3,804 |
| Memoranda: | ||
| Average total assets | $210,434,000 | 2,984 |
| Average earning assets | $204,221,000 | 2,845 |
| Average equity | $22,468,500 | 2,918 |
| Average total loans | $173,933,000 | 2,322 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3830% | 1,457 |
| Cost of funding earning assets | 1.3452% | 1,262 |
| Net interest margin | 4.0378% | 2,690 |
| Noninterest income to average assets | 0.0931% | 6,671 |
| Noninterest expense to average assets | 2.2208% | 6,223 |
| Loan and lease loss provision to assets | 0.5398% | 1,946 |
| Net operating income to assets | 0.8108% | 2,989 |
| Return on assets (ROA) | 0.8108% | 3,161 |
| Pretax return on assets | 1.2608% | 2,270 |
| Return on Equity (ROE) | 8.1214% | 2,850 |
| Retained earnings to average equity (ytd only) | 8.1214% | 1,041 |
| Net charge-offs to loans | 0.2516% | 4,204 |
| Credit loss provision to net charge-offs | 256.5445% | 938 |
| Earnings coverage of net charge-offs (x) | 8.5576% | 2,123 |
| Efficiency ratio | 55.2253% | 6,396 |
| Assets per employee ($millions) | 7.5551% | 560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6850% | 3,254 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3152% | 6,187 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 82.4656% | 309 |
| Net loans and leases to deposits | 108.4395% | 201 |
| Net loans and leases to core deposits | 124.9629% | 287 |
| Total domestic deposits to total assets | 76.0476% | 6,474 |
| Equity capital to assets | 10.9124% | 3,067 |
| Core capital (leverage) ratio | 11.3613% | 1,995 |
| Tier 1 risk-based capital ratio | 15.0994% | 3,582 |
| Total risk-based capital ratio | 16.3584% | 3,539 |
| Memoranda: | ||
| Average total assets | $181,552,600 | 3,306 |
| Average earning assets | $176,630,400 | 3,133 |
| Average equity | $18,125,000 | 3,409 |
| Average total loans | $151,824,000 | 2,616 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4511% | 1,391 |
| Cost of funding earning assets | 1.4105% | 1,190 |
| Net interest margin | 4.0406% | 2,728 |
| Noninterest income to average assets | 0.0682% | 6,882 |
| Noninterest expense to average assets | 2.2772% | 6,094 |
| Loan and lease loss provision to assets | 0.4926% | 2,015 |
| Net operating income to assets | 0.7911% | 3,209 |
| Return on assets (ROA) | 0.7911% | 3,373 |
| Pretax return on assets | 1.2299% | 2,523 |
| Return on Equity (ROE) | 8.1443% | 2,981 |
| Retained earnings to average equity (ytd only) | 8.1443% | 1,451 |
| Net charge-offs to loans | 0.3465% | 3,362 |
| Credit loss provision to net charge-offs | 170.1571% | 1,776 |
| Earnings coverage of net charge-offs (x) | 5.9503% | 2,662 |
| Efficiency ratio | 56.9344% | 6,158 |
| Assets per employee ($millions) | 7.3537% | 619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6267% | 3,544 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3363% | 6,229 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 80.7485% | 440 |
| Net loans and leases to deposits | 104.4136% | 301 |
| Net loans and leases to core deposits | 120.6214% | 374 |
| Total domestic deposits to total assets | 77.3352% | 6,324 |
| Equity capital to assets | 11.4088% | 2,768 |
| Core capital (leverage) ratio | 11.7912% | 1,832 |
| Tier 1 risk-based capital ratio | 16.0732% | 3,077 |
| Total risk-based capital ratio | 17.3311% | 3,035 |
| Memoranda: | ||
| Average total assets | $175,943,750 | 3,412 |
| Average earning assets | $171,190,250 | 3,231 |
| Average equity | $17,091,250 | 3,568 |
| Average total loans | $147,004,250 | 2,705 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4947% | 1,305 |
| Cost of funding earning assets | 1.4656% | 1,139 |
| Net interest margin | 4.0292% | 2,703 |
| Noninterest income to average assets | 0.0667% | 6,972 |
| Noninterest expense to average assets | 2.3317% | 6,048 |
| Loan and lease loss provision to assets | 0.4214% | 2,324 |
| Net operating income to assets | 0.7971% | 3,091 |
| Return on assets (ROA) | 0.7971% | 3,215 |
| Pretax return on assets | 1.2396% | 2,346 |
| Return on Equity (ROE) | 8.7773% | 2,608 |
| Retained earnings to average equity (ytd only) | 8.7773% | 1,182 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3993% | 6,110 |
| Assets per employee ($millions) | 6.8817% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7494% | 3,154 |
| Loan loss allowance to noncurrent loans | 301.5964% | 1,044 |
| Noncurrent assets plus other real estate owned to assets | 0.4902% | 5,944 |
| Noncurrent loans to loans | 0.5800% | 5,771 |
| Net loans and leases to total assets | 83.0262% | 303 |
| Net loans and leases to deposits | 98.7805% | 555 |
| Net loans and leases to core deposits | 113.5752% | 590 |
| Total domestic deposits to total assets | 84.0512% | 4,321 |
| Equity capital to assets | 8.8848% | 5,723 |
| Core capital (leverage) ratio | 9.1758% | 4,448 |
| Tier 1 risk-based capital ratio | 12.1261% | 5,688 |
| Total risk-based capital ratio | 13.3855% | 5,654 |
| Memoranda: | ||
| Average total assets | $170,860,000 | 3,521 |
| Average earning assets | $166,486,670 | 3,329 |
| Average equity | $15,517,330 | 3,819 |
| Average total loans | $143,692,330 | 2,780 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4938% | 1,319 |
| Cost of funding earning assets | 1.4865% | 1,226 |
| Net interest margin | 4.0073% | 2,657 |
| Noninterest income to average assets | 0.0767% | 7,008 |
| Noninterest expense to average assets | 2.3737% | 5,970 |
| Loan and lease loss provision to assets | 0.3716% | 2,327 |
| Net operating income to assets | 0.7984% | 3,044 |
| Return on assets (ROA) | 0.7984% | 3,114 |
| Pretax return on assets | 1.2420% | 2,224 |
| Return on Equity (ROE) | 8.6903% | 2,615 |
| Retained earnings to average equity (ytd only) | 8.6903% | 1,496 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5310% | 6,052 |
| Assets per employee ($millions) | 6.5512% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7006% | 3,338 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 82.8024% | 288 |
| Net loans and leases to deposits | 99.0095% | 523 |
| Net loans and leases to core deposits | 113.5260% | 614 |
| Total domestic deposits to total assets | 83.6308% | 4,653 |
| Equity capital to assets | 9.1175% | 5,011 |
| Core capital (leverage) ratio | 9.5090% | 3,790 |
| Tier 1 risk-based capital ratio | 12.6080% | 5,156 |
| Total risk-based capital ratio | 13.8671% | 5,132 |
| Memoranda: | ||
| Average total assets | $166,828,500 | 3,608 |
| Average earning assets | $162,802,000 | 3,409 |
| Average equity | $15,327,500 | 3,843 |
| Average total loans | $139,939,500 | 2,891 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7789% | 1,334 |
| Cost of funding earning assets | 1.8109% | 1,125 |
| Net interest margin | 3.9680% | 3,163 |
| Noninterest income to average assets | 0.2055% | 6,318 |
| Noninterest expense to average assets | 2.3729% | 6,159 |
| Loan and lease loss provision to assets | 0.4196% | 3,591 |
| Net operating income to assets | 0.8147% | 2,735 |
| Return on assets (ROA) | 0.8147% | 2,867 |
| Pretax return on assets | 1.2702% | 2,017 |
| Return on Equity (ROE) | 8.9869% | 2,295 |
| Retained earnings to average equity (ytd only) | 8.9869% | 704 |
| Net charge-offs to loans | 0.0390% | 6,418 |
| Credit loss provision to net charge-offs | 1,287.7551% | 175 |
| Earnings coverage of net charge-offs (x) | 51.8571% | 451 |
| Efficiency ratio | 58.4056% | 6,291 |
| Assets per employee ($millions) | 6.2817% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6752% | 3,310 |
| Loan loss allowance to noncurrent loans | 4,570.0000% | 113 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 7,166 |
| Noncurrent loans to loans | 0.0367% | 7,036 |
| Net loans and leases to total assets | 82.1154% | 441 |
| Net loans and leases to deposits | 99.7635% | 595 |
| Net loans and leases to core deposits | 113.7165% | 737 |
| Total domestic deposits to total assets | 82.3101% | 5,089 |
| Equity capital to assets | 9.2607% | 4,737 |
| Core capital (leverage) ratio | 9.4744% | 3,734 |
| Tier 1 risk-based capital ratio | 12.9484% | 4,635 |
| Total risk-based capital ratio | 14.2068% | 4,605 |
| Memoranda: | ||
| Average total assets | $150,364,600 | 3,867 |
| Average earning assets | $146,169,400 | 3,702 |
| Average equity | $13,631,000 | 4,231 |
| Average total loans | $125,621,800 | 3,204 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7873% | 1,435 |
| Cost of funding earning assets | 1.8752% | 1,115 |
| Net interest margin | 3.9121% | 3,479 |
| Noninterest income to average assets | 0.2166% | 6,356 |
| Noninterest expense to average assets | 2.4342% | 5,930 |
| Loan and lease loss provision to assets | 0.3906% | 3,550 |
| Net operating income to assets | 0.7549% | 3,197 |
| Return on assets (ROA) | 0.7549% | 3,352 |
| Pretax return on assets | 1.1863% | 2,544 |
| Return on Equity (ROE) | 8.3774% | 2,757 |
| Retained earnings to average equity (ytd only) | 8.3774% | 1,282 |
| Net charge-offs to loans | 0.0531% | 5,992 |
| Credit loss provision to net charge-offs | 879.5918% | 345 |
| Earnings coverage of net charge-offs (x) | 35.5111% | 764 |
| Efficiency ratio | 60.6869% | 5,839 |
| Assets per employee ($millions) | 6.5203% | 959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5850% | 3,595 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 79.4206% | 835 |
| Net loans and leases to deposits | 94.5813% | 1,142 |
| Net loans and leases to core deposits | 108.2069% | 1,146 |
| Total domestic deposits to total assets | 83.9707% | 4,143 |
| Equity capital to assets | 9.0364% | 5,527 |
| Core capital (leverage) ratio | 9.2201% | 4,337 |
| Tier 1 risk-based capital ratio | 13.2240% | 4,403 |
| Total risk-based capital ratio | 14.4818% | 4,375 |
| Memoranda: | ||
| Average total assets | $147,124,500 | 3,979 |
| Average earning assets | $142,698,500 | 3,820 |
| Average equity | $13,257,500 | 4,380 |
| Average total loans | $122,927,250 | 3,310 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8113% | 1,399 |
| Cost of funding earning assets | 1.9356% | 1,089 |
| Net interest margin | 3.8757% | 3,557 |
| Noninterest income to average assets | 0.0564% | 7,308 |
| Noninterest expense to average assets | 2.2675% | 6,447 |
| Loan and lease loss provision to assets | 0.4668% | 2,983 |
| Net operating income to assets | 0.6712% | 3,524 |
| Return on assets (ROA) | 0.6712% | 3,671 |
| Pretax return on assets | 1.0717% | 2,869 |
| Return on Equity (ROE) | 7.4569% | 3,128 |
| Retained earnings to average equity (ytd only) | 7.4569% | 1,650 |
| Net charge-offs to loans | 0.0816% | 5,324 |
| Credit loss provision to net charge-offs | 675.5102% | 551 |
| Earnings coverage of net charge-offs (x) | 22.2653% | 1,139 |
| Efficiency ratio | 59.5776% | 6,127 |
| Assets per employee ($millions) | 6.9355% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5215% | 3,813 |
| Loan loss allowance to noncurrent loans | 3,970.0000% | 109 |
| Noncurrent assets plus other real estate owned to assets | 0.0328% | 7,317 |
| Noncurrent loans to loans | 0.0383% | 7,221 |
| Net loans and leases to total assets | 84.2058% | 336 |
| Net loans and leases to deposits | 100.0584% | 718 |
| Net loans and leases to core deposits | 112.3477% | 1,013 |
| Total domestic deposits to total assets | 84.1566% | 4,038 |
| Equity capital to assets | 9.2181% | 5,116 |
| Core capital (leverage) ratio | 9.4936% | 3,833 |
| Tier 1 risk-based capital ratio | 12.8785% | 4,542 |
| Total risk-based capital ratio | 14.1357% | 4,491 |
| Memoranda: | ||
| Average total assets | $141,830,000 | 4,099 |
| Average earning assets | $137,215,330 | 3,950 |
| Average equity | $12,766,670 | 4,491 |
| Average total loans | $120,054,000 | 3,407 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7384% | 1,644 |
| Cost of funding earning assets | 2.0094% | 1,054 |
| Net interest margin | 3.7291% | 4,101 |
| Noninterest income to average assets | 0.0528% | 7,455 |
| Noninterest expense to average assets | 2.2396% | 6,583 |
| Loan and lease loss provision to assets | 0.3811% | 3,077 |
| Net operating income to assets | 0.6596% | 3,617 |
| Return on assets (ROA) | 0.6596% | 3,729 |
| Pretax return on assets | 1.0553% | 2,890 |
| Return on Equity (ROE) | 7.4273% | 3,148 |
| Retained earnings to average equity (ytd only) | 7.4273% | 1,960 |
| Net charge-offs to loans | 0.1707% | 3,899 |
| Credit loss provision to net charge-offs | 265.3061% | 1,481 |
| Earnings coverage of net charge-offs (x) | 10.0000% | 1,792 |
| Efficiency ratio | 60.9250% | 6,014 |
| Assets per employee ($millions) | 6.8605% | 847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5077% | 3,871 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 80.8933% | 727 |
| Net loans and leases to deposits | 96.4688% | 1,052 |
| Net loans and leases to core deposits | 108.3214% | 1,395 |
| Total domestic deposits to total assets | 83.8544% | 4,213 |
| Equity capital to assets | 9.0289% | 5,236 |
| Core capital (leverage) ratio | 9.6897% | 3,530 |
| Tier 1 risk-based capital ratio | 12.8382% | 4,446 |
| Total risk-based capital ratio | 14.0945% | 4,420 |
| Memoranda: | ||
| Average total assets | $136,454,500 | 4,262 |
| Average earning assets | $132,579,500 | 4,108 |
| Average equity | $12,117,500 | 4,689 |
| Average total loans | $114,847,500 | 3,576 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2117% | 1,208 |
| Cost of funding earning assets | 2.6022% | 772 |
| Net interest margin | 3.6095% | 4,520 |
| Noninterest income to average assets | 0.9460% | 1,766 |
| Noninterest expense to average assets | 2.5428% | 5,975 |
| Loan and lease loss provision to assets | 0.5640% | 3,553 |
| Net operating income to assets | 0.7872% | 2,580 |
| Return on assets (ROA) | 0.7872% | 2,669 |
| Pretax return on assets | 1.2691% | 1,784 |
| Return on Equity (ROE) | 7.9934% | 2,375 |
| Retained earnings to average equity (ytd only) | 7.9934% | 702 |
| Net charge-offs to loans | 0.0403% | 6,706 |
| Credit loss provision to net charge-offs | 1,589.4737% | 199 |
| Earnings coverage of net charge-offs (x) | 51.6579% | 506 |
| Efficiency ratio | 58.1093% | 6,747 |
| Assets per employee ($millions) | 6.7810% | 874 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5292% | 3,582 |
| Loan loss allowance to noncurrent loans | 2,398.5915% | 172 |
| Noncurrent assets plus other real estate owned to assets | 0.0551% | 7,360 |
| Noncurrent loans to loans | 0.0638% | 7,262 |
| Net loans and leases to total assets | 85.1179% | 339 |
| Net loans and leases to deposits | 101.0570% | 820 |
| Net loans and leases to core deposits | 152.9754% | 441 |
| Total domestic deposits to total assets | 84.2276% | 3,928 |
| Equity capital to assets | 8.7140% | 5,566 |
| Core capital (leverage) ratio | 9.2478% | 4,057 |
| Tier 1 risk-based capital ratio | 11.4364% | 5,464 |
| Total risk-based capital ratio | 12.6924% | 5,423 |
| Memoranda: | ||
| Average total assets | $107,085,600 | 4,898 |
| Average earning assets | $101,759,000 | 4,793 |
| Average equity | $10,546,200 | 5,144 |
| Average total loans | $94,200,400 | 4,103 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2092% | 1,353 |
| Cost of funding earning assets | 2.7570% | 670 |
| Net interest margin | 3.4522% | 5,067 |
| Noninterest income to average assets | 1.1176% | 1,268 |
| Noninterest expense to average assets | 2.6627% | 5,480 |
| Loan and lease loss provision to assets | 0.5758% | 3,080 |
| Net operating income to assets | 0.6965% | 3,222 |
| Return on assets (ROA) | 0.6965% | 3,278 |
| Pretax return on assets | 1.1359% | 2,457 |
| Return on Equity (ROE) | 6.8232% | 3,153 |
| Retained earnings to average equity (ytd only) | 6.8232% | 1,581 |
| Net charge-offs to loans | 0.0564% | 6,142 |
| Credit loss provision to net charge-offs | 1,155.2632% | 330 |
| Earnings coverage of net charge-offs (x) | 34.3391% | 840 |
| Efficiency ratio | 60.8696% | 6,299 |
| Assets per employee ($millions) | 6.8852% | 828 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4965% | 3,468 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 86.4920% | 313 |
| Net loans and leases to deposits | 104.0430% | 774 |
| Net loans and leases to core deposits | 157.1067% | 439 |
| Total domestic deposits to total assets | 83.1310% | 4,162 |
| Equity capital to assets | 9.2782% | 5,067 |
| Core capital (leverage) ratio | 9.8448% | 3,460 |
| Tier 1 risk-based capital ratio | 12.2244% | 4,766 |
| Total risk-based capital ratio | 13.4783% | 4,709 |
| Memoranda: | ||
| Average total assets | $101,647,250 | 5,075 |
| Average earning assets | $95,898,000 | 4,984 |
| Average equity | $10,376,000 | 5,234 |
| Average total loans | $89,908,500 | 4,251 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2941% | 1,219 |
| Cost of funding earning assets | 2.9373% | 562 |
| Net interest margin | 3.3569% | 5,330 |
| Noninterest income to average assets | 0.1264% | 7,343 |
| Noninterest expense to average assets | 2.5199% | 6,053 |
| Loan and lease loss provision to assets | 0.4435% | 3,323 |
| Net operating income to assets | 0.1285% | 5,479 |
| Return on assets (ROA) | 0.1285% | 5,585 |
| Pretax return on assets | 0.2798% | 5,252 |
| Return on Equity (ROE) | 1.2139% | 5,566 |
| Retained earnings to average equity (ytd only) | 1.2139% | 4,669 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6997% | 3,392 |
| Assets per employee ($millions) | 6.8303% | 835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4295% | 3,579 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 85.2421% | 470 |
| Net loans and leases to deposits | 100.9887% | 1,174 |
| Net loans and leases to core deposits | 145.1299% | 792 |
| Total domestic deposits to total assets | 84.4076% | 3,554 |
| Equity capital to assets | 9.4369% | 4,694 |
| Core capital (leverage) ratio | 10.2534% | 3,038 |
| Tier 1 risk-based capital ratio | 12.5403% | 4,497 |
| Total risk-based capital ratio | 13.7952% | 4,408 |
| Memoranda: | ||
| Average total assets | $96,513,330 | 5,264 |
| Average earning assets | $89,607,330 | 5,213 |
| Average equity | $10,214,670 | 5,300 |
| Average total loans | $85,619,330 | 4,412 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1609% | 1,724 |
| Cost of funding earning assets | 3.0319% | 564 |
| Net interest margin | 3.1291% | 6,107 |
| Noninterest income to average assets | 0.1021% | 7,526 |
| Noninterest expense to average assets | 2.6540% | 5,205 |
| Loan and lease loss provision to assets | 0.3329% | 3,329 |
| Net operating income to assets | 0.0178% | 6,212 |
| Return on assets (ROA) | 0.0178% | 6,367 |
| Pretax return on assets | 0.1154% | 6,132 |
| Return on Equity (ROE) | 0.1574% | 6,373 |
| Retained earnings to average equity (ytd only) | 0.1574% | 5,595 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.5508% | 2,126 |
| Assets per employee ($millions) | 5.8621% | 1,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4417% | 3,274 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 88.3413% | 240 |
| Net loans and leases to deposits | 101.4286% | 1,242 |
| Net loans and leases to core deposits | 144.1209% | 928 |
| Total domestic deposits to total assets | 87.0971% | 2,169 |
| Equity capital to assets | 10.8718% | 3,105 |
| Core capital (leverage) ratio | 11.3464% | 2,249 |
| Tier 1 risk-based capital ratio | 14.1982% | 3,477 |
| Total risk-based capital ratio | 15.4541% | 3,407 |
| Memoranda: | ||
| Average total assets | $90,128,000 | 5,479 |
| Average earning assets | $86,415,500 | 5,338 |
| Average equity | $10,165,500 | 5,334 |
| Average total loans | $81,175,500 | 4,577 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3092% | 3,915 |
| Cost of funding earning assets | 3.2995% | 932 |
| Net interest margin | 3.0097% | 6,885 |
| Noninterest income to average assets | 0.1365% | 7,422 |
| Noninterest expense to average assets | 2.8130% | 4,767 |
| Loan and lease loss provision to assets | 0.9909% | 1,487 |
| Net operating income to assets | 0.0107% | 6,340 |
| Return on assets (ROA) | 0.0107% | 6,195 |
| Pretax return on assets | -0.7531% | 6,850 |
| Return on Equity (ROE) | 0.0717% | 6,209 |
| Retained earnings to average equity (ytd only) | 0.0717% | 5,194 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2071% | 1,371 |
| Assets per employee ($millions) | 6.6510% | 827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4525% | 2,908 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 89.2220% | 260 |
| Net loans and leases to deposits | 101.2442% | 1,671 |
| Net loans and leases to core deposits | 134.7941% | 1,548 |
| Total domestic deposits to total assets | 88.1256% | 1,417 |
| Equity capital to assets | 11.7206% | 2,488 |
| Core capital (leverage) ratio | 12.6247% | 1,700 |
| Tier 1 risk-based capital ratio | 15.1441% | 2,980 |
| Total risk-based capital ratio | 16.3994% | 2,903 |
| Memoranda: | ||
| Average total assets | $65,196,400 | 6,186 |
| Average earning assets | $63,130,000 | 6,047 |
| Average equity | $9,766,600 | 5,488 |
| Average total loans | $56,025,000 | 5,448 |