Home > Commercial State Bank > Performance and Condition Ratios
Commercial State Bank, Performance and Condition Ratios
| 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 | 4.7248% | 1,140 |
| Cost of funding earning assets | 0.2263% | 4,747 |
| Net interest margin | 4.4985% | 610 |
| Noninterest income to average assets | 0.3734% | 3,795 |
| Noninterest expense to average assets | 2.8044% | 2,754 |
| Loan and lease loss provision to assets | 0.0028% | 4,190 |
| Net operating income to assets | 1.2341% | 1,414 |
| Return on assets (ROA) | 1.2444% | 1,396 |
| Pretax return on assets | 1.6773% | 1,069 |
| Return on Equity (ROE) | 10.5245% | 1,668 |
| Retained earnings to average equity (ytd only) | 10.5245% | 285 |
| Net charge-offs to loans | -0.0016% | 4,516 |
| Credit loss provision to net charge-offs | -250.0000% | 4,843 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7311% | 3,823 |
| Assets per employee ($millions) | 6.5024% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9745% | 4,082 |
| Loan loss allowance to noncurrent loans | 88.7324% | 3,735 |
| Noncurrent assets plus other real estate owned to assets | 0.7643% | 2,048 |
| Noncurrent loans to loans | 1.0982% | 1,613 |
| Net loans and leases to total assets | 68.9201% | 2,697 |
| Net loans and leases to deposits | 77.7903% | 3,137 |
| Net loans and leases to core deposits | 79.9115% | 3,425 |
| Total domestic deposits to total assets | 88.5973% | 1,197 |
| Equity capital to assets | 11.3717% | 2,306 |
| Core capital (leverage) ratio | 11.4973% | 1,943 |
| Tier 1 risk-based capital ratio | 15.1630% | 2,766 |
| Total risk-based capital ratio | 16.0631% | 2,864 |
| Memoranda: | ||
| Average total assets | $358,084,400 | 1,875 |
| Average earning assets | $326,132,000 | 1,910 |
| Average equity | $42,339,200 | 1,759 |
| Average total loans | $254,666,600 | 1,791 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7130% | 1,108 |
| Cost of funding earning assets | 0.2265% | 4,767 |
| Net interest margin | 4.4865% | 620 |
| Noninterest income to average assets | 0.3439% | 4,079 |
| Noninterest expense to average assets | 2.5648% | 3,519 |
| Loan and lease loss provision to assets | 0.0038% | 4,039 |
| Net operating income to assets | 1.3496% | 1,200 |
| Return on assets (ROA) | 1.3612% | 1,196 |
| Pretax return on assets | 1.9040% | 682 |
| Return on Equity (ROE) | 11.3912% | 1,531 |
| Retained earnings to average equity (ytd only) | 11.3912% | 355 |
| Net charge-offs to loans | -0.0053% | 4,476 |
| Credit loss provision to net charge-offs | -100.0000% | 4,513 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.5556% | 4,560 |
| Assets per employee ($millions) | 6.2071% | 1,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9954% | 4,089 |
| Loan loss allowance to noncurrent loans | 86.8085% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 0.8342% | 2,061 |
| Noncurrent loans to loans | 1.1467% | 1,671 |
| Net loans and leases to total assets | 72.0241% | 2,250 |
| Net loans and leases to deposits | 81.9460% | 2,782 |
| Net loans and leases to core deposits | 84.7642% | 3,066 |
| Total domestic deposits to total assets | 87.8922% | 1,424 |
| Equity capital to assets | 11.9800% | 1,980 |
| Core capital (leverage) ratio | 11.9297% | 1,735 |
| Tier 1 risk-based capital ratio | 15.2324% | 2,823 |
| Total risk-based capital ratio | 16.1586% | 2,883 |
| Memoranda: | ||
| Average total assets | $350,069,750 | 1,926 |
| Average earning assets | $320,865,750 | 1,943 |
| Average equity | $41,832,500 | 1,799 |
| Average total loans | $250,450,000 | 1,824 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6596% | 1,144 |
| Cost of funding earning assets | 0.2226% | 4,781 |
| Net interest margin | 4.4370% | 650 |
| Noninterest income to average assets | 0.6829% | 2,069 |
| Noninterest expense to average assets | 2.7039% | 3,076 |
| Loan and lease loss provision to assets | 0.0058% | 3,800 |
| Net operating income to assets | 1.4480% | 952 |
| Return on assets (ROA) | 1.4657% | 946 |
| Pretax return on assets | 2.0691% | 474 |
| Return on Equity (ROE) | 12.2763% | 1,216 |
| Retained earnings to average equity (ytd only) | 12.2763% | 295 |
| Net charge-offs to loans | -0.0131% | 4,624 |
| Credit loss provision to net charge-offs | -62.5000% | 4,309 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8778% | 4,727 |
| Assets per employee ($millions) | 5.9571% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0572% | 3,811 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0689% | 4,925 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 70.7790% | 2,402 |
| Net loans and leases to deposits | 80.7095% | 2,837 |
| Net loans and leases to core deposits | 83.9720% | 3,072 |
| Total domestic deposits to total assets | 87.6960% | 1,619 |
| Equity capital to assets | 12.1783% | 1,805 |
| Core capital (leverage) ratio | 12.2082% | 1,527 |
| Tier 1 risk-based capital ratio | 15.5287% | 2,697 |
| Total risk-based capital ratio | 16.4989% | 2,755 |
| Memoranda: | ||
| Average total assets | $344,686,670 | 1,953 |
| Average earning assets | $316,248,670 | 1,976 |
| Average equity | $41,152,330 | 1,826 |
| Average total loans | $245,127,330 | 1,852 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6338% | 1,059 |
| Cost of funding earning assets | 0.2244% | 4,761 |
| Net interest margin | 4.4094% | 626 |
| Noninterest income to average assets | 1.0079% | 988 |
| Noninterest expense to average assets | 2.8714% | 2,544 |
| Loan and lease loss provision to assets | 0.0117% | 3,414 |
| Net operating income to assets | 1.5201% | 780 |
| Return on assets (ROA) | 1.5201% | 807 |
| Pretax return on assets | 2.1541% | 382 |
| Return on Equity (ROE) | 12.8648% | 1,026 |
| Retained earnings to average equity (ytd only) | 12.8648% | 388 |
| Net charge-offs to loans | -0.0050% | 4,181 |
| Credit loss provision to net charge-offs | -333.3333% | 4,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0033% | 4,834 |
| Assets per employee ($millions) | 6.0051% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 3,766 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 4,989 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 70.0961% | 2,363 |
| Net loans and leases to deposits | 79.9292% | 2,765 |
| Net loans and leases to core deposits | 83.2104% | 2,973 |
| Total domestic deposits to total assets | 87.6977% | 1,887 |
| Equity capital to assets | 12.0300% | 1,812 |
| Core capital (leverage) ratio | 12.0232% | 1,613 |
| Tier 1 risk-based capital ratio | 15.7519% | 2,642 |
| Total risk-based capital ratio | 16.7609% | 2,678 |
| Memoranda: | ||
| Average total assets | $341,295,000 | 1,983 |
| Average earning assets | $311,879,000 | 2,016 |
| Average equity | $40,327,000 | 1,857 |
| Average total loans | $241,978,500 | 1,882 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6268% | 1,217 |
| Cost of funding earning assets | 0.1832% | 5,178 |
| Net interest margin | 4.4436% | 704 |
| Noninterest income to average assets | 0.3523% | 4,209 |
| Noninterest expense to average assets | 2.8163% | 2,973 |
| Loan and lease loss provision to assets | 0.0453% | 3,476 |
| Net operating income to assets | 1.0767% | 2,005 |
| Return on assets (ROA) | 1.1068% | 1,964 |
| Pretax return on assets | 1.5349% | 1,476 |
| Return on Equity (ROE) | 9.5566% | 2,161 |
| Retained earnings to average equity (ytd only) | 9.5566% | 486 |
| Net charge-offs to loans | 0.0177% | 3,717 |
| Credit loss provision to net charge-offs | 365.8537% | 848 |
| Earnings coverage of net charge-offs (x) | 124.1951% | 492 |
| Efficiency ratio | 64.1088% | 3,919 |
| Assets per employee ($millions) | 5.6716% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0904% | 3,766 |
| Loan loss allowance to noncurrent loans | 1,134.4828% | 550 |
| Noncurrent assets plus other real estate owned to assets | 0.0682% | 5,057 |
| Noncurrent loans to loans | 0.0961% | 4,854 |
| Net loans and leases to total assets | 70.1581% | 2,438 |
| Net loans and leases to deposits | 79.4575% | 2,949 |
| Net loans and leases to core deposits | 82.3413% | 3,187 |
| Total domestic deposits to total assets | 88.2964% | 1,491 |
| Equity capital to assets | 11.6005% | 2,079 |
| Core capital (leverage) ratio | 11.6821% | 1,807 |
| Tier 1 risk-based capital ratio | 15.4241% | 2,780 |
| Total risk-based capital ratio | 16.4432% | 2,820 |
| Memoranda: | ||
| Average total assets | $330,968,600 | 1,999 |
| Average earning assets | $298,111,600 | 2,056 |
| Average equity | $38,329,600 | 1,920 |
| Average total loans | $232,226,000 | 1,890 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6469% | 1,195 |
| Cost of funding earning assets | 0.1756% | 5,301 |
| Net interest margin | 4.4713% | 675 |
| Noninterest income to average assets | 0.3655% | 4,162 |
| Noninterest expense to average assets | 2.8505% | 2,824 |
| Loan and lease loss provision to assets | 0.0609% | 3,026 |
| Net operating income to assets | 1.0911% | 2,035 |
| Return on assets (ROA) | 1.1331% | 1,979 |
| Pretax return on assets | 1.5186% | 1,656 |
| Return on Equity (ROE) | 9.7887% | 2,150 |
| Retained earnings to average equity (ytd only) | 9.7887% | 621 |
| Net charge-offs to loans | 0.0197% | 3,304 |
| Credit loss provision to net charge-offs | 441.1765% | 783 |
| Earnings coverage of net charge-offs (x) | 110.4465% | 612 |
| Efficiency ratio | 64.6415% | 3,833 |
| Assets per employee ($millions) | 5.7278% | 1,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 3,603 |
| Loan loss allowance to noncurrent loans | 1,122.9787% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.0684% | 5,165 |
| Noncurrent loans to loans | 0.1016% | 4,930 |
| Net loans and leases to total assets | 66.5299% | 3,037 |
| Net loans and leases to deposits | 75.3717% | 3,461 |
| Net loans and leases to core deposits | 78.3360% | 3,629 |
| Total domestic deposits to total assets | 88.2691% | 1,252 |
| Equity capital to assets | 11.5182% | 2,496 |
| Core capital (leverage) ratio | 11.7051% | 1,884 |
| Tier 1 risk-based capital ratio | 15.3244% | 2,904 |
| Total risk-based capital ratio | 16.3632% | 2,928 |
| Memoranda: | ||
| Average total assets | $328,636,500 | 2,016 |
| Average earning assets | $294,610,750 | 2,082 |
| Average equity | $38,043,000 | 1,935 |
| Average total loans | $229,938,000 | 1,908 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6485% | 1,169 |
| Cost of funding earning assets | 0.1677% | 5,432 |
| Net interest margin | 4.4808% | 640 |
| Noninterest income to average assets | 0.3257% | 4,452 |
| Noninterest expense to average assets | 2.8811% | 2,738 |
| Loan and lease loss provision to assets | 0.0927% | 2,300 |
| Net operating income to assets | 1.0947% | 1,976 |
| Return on assets (ROA) | 1.1612% | 1,840 |
| Pretax return on assets | 1.4832% | 1,729 |
| Return on Equity (ROE) | 10.0135% | 2,047 |
| Retained earnings to average equity (ytd only) | 10.0135% | 597 |
| Net charge-offs to loans | 0.0305% | 2,861 |
| Credit loss provision to net charge-offs | 428.5714% | 740 |
| Earnings coverage of net charge-offs (x) | 68.9143% | 784 |
| Efficiency ratio | 65.3661% | 3,780 |
| Assets per employee ($millions) | 5.5156% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1403% | 3,715 |
| Loan loss allowance to noncurrent loans | 1,117.7966% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.1635% | 4,855 |
| Noncurrent loans to loans | 0.1020% | 5,039 |
| Net loans and leases to total assets | 70.2769% | 2,437 |
| Net loans and leases to deposits | 79.8522% | 2,944 |
| Net loans and leases to core deposits | 82.8344% | 3,189 |
| Total domestic deposits to total assets | 88.0087% | 1,430 |
| Equity capital to assets | 11.8594% | 2,224 |
| Core capital (leverage) ratio | 11.9179% | 1,691 |
| Tier 1 risk-based capital ratio | 15.8490% | 2,716 |
| Total risk-based capital ratio | 16.9495% | 2,720 |
| Memoranda: | ||
| Average total assets | $323,627,000 | 2,053 |
| Average earning assets | $292,226,000 | 2,102 |
| Average equity | $37,529,330 | 1,964 |
| Average total loans | $229,491,000 | 1,917 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6123% | 1,234 |
| Cost of funding earning assets | 0.1696% | 5,471 |
| Net interest margin | 4.4427% | 680 |
| Noninterest income to average assets | 0.3384% | 4,314 |
| Noninterest expense to average assets | 2.8978% | 2,714 |
| Loan and lease loss provision to assets | 0.0930% | 2,136 |
| Net operating income to assets | 1.0663% | 2,024 |
| Return on assets (ROA) | 1.0895% | 2,045 |
| Pretax return on assets | 1.4030% | 1,898 |
| Return on Equity (ROE) | 9.5033% | 2,198 |
| Retained earnings to average equity (ytd only) | 9.5033% | 977 |
| Net charge-offs to loans | 0.0420% | 2,165 |
| Credit loss provision to net charge-offs | 312.5000% | 824 |
| Earnings coverage of net charge-offs (x) | 49.2917% | 892 |
| Efficiency ratio | 65.8336% | 3,832 |
| Assets per employee ($millions) | 5.4267% | 1,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 3,936 |
| Loan loss allowance to noncurrent loans | 169.1650% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 0.4751% | 3,695 |
| Noncurrent loans to loans | 0.6631% | 3,184 |
| Net loans and leases to total assets | 70.8424% | 2,212 |
| Net loans and leases to deposits | 80.5116% | 2,730 |
| Net loans and leases to core deposits | 83.8468% | 2,951 |
| Total domestic deposits to total assets | 87.9903% | 1,651 |
| Equity capital to assets | 11.7105% | 2,231 |
| Core capital (leverage) ratio | 11.2975% | 2,140 |
| Tier 1 risk-based capital ratio | 15.5345% | 2,896 |
| Total risk-based capital ratio | 16.6161% | 2,925 |
| Memoranda: | ||
| Average total assets | $322,730,500 | 2,070 |
| Average earning assets | $292,437,500 | 2,108 |
| Average equity | $36,997,500 | 1,989 |
| Average total loans | $228,570,000 | 1,927 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5103% | 1,558 |
| Cost of funding earning assets | 0.1801% | 5,455 |
| Net interest margin | 4.3302% | 906 |
| Noninterest income to average assets | 0.4492% | 3,677 |
| Noninterest expense to average assets | 2.8133% | 3,177 |
| Loan and lease loss provision to assets | 0.0466% | 3,393 |
| Net operating income to assets | 1.0093% | 2,316 |
| Return on assets (ROA) | 1.0360% | 2,272 |
| Pretax return on assets | 1.4517% | 1,715 |
| Return on Equity (ROE) | 9.5888% | 2,182 |
| Retained earnings to average equity (ytd only) | 9.5888% | 518 |
| Net charge-offs to loans | -0.0349% | 5,456 |
| Credit loss provision to net charge-offs | -200.0000% | 5,275 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2130% | 4,042 |
| Assets per employee ($millions) | 5.3326% | 1,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1078% | 4,005 |
| Loan loss allowance to noncurrent loans | 127.5531% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.6081% | 3,249 |
| Noncurrent loans to loans | 0.8685% | 2,617 |
| Net loans and leases to total assets | 69.2389% | 2,495 |
| Net loans and leases to deposits | 78.0587% | 3,051 |
| Net loans and leases to core deposits | 80.9169% | 3,250 |
| Total domestic deposits to total assets | 88.7011% | 1,286 |
| Equity capital to assets | 11.2212% | 2,619 |
| Core capital (leverage) ratio | 10.9400% | 2,461 |
| Tier 1 risk-based capital ratio | 15.1799% | 3,087 |
| Total risk-based capital ratio | 16.2413% | 3,119 |
| Memoranda: | ||
| Average total assets | $321,903,200 | 2,035 |
| Average earning assets | $284,327,800 | 2,108 |
| Average equity | $34,780,200 | 2,049 |
| Average total loans | $214,677,200 | 1,960 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4803% | 1,661 |
| Cost of funding earning assets | 0.1830% | 5,524 |
| Net interest margin | 4.2973% | 962 |
| Noninterest income to average assets | 0.4767% | 3,521 |
| Noninterest expense to average assets | 2.7151% | 3,510 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.1071% | 1,976 |
| Return on assets (ROA) | 1.1433% | 1,919 |
| Pretax return on assets | 1.5864% | 1,424 |
| Return on Equity (ROE) | 10.6858% | 1,831 |
| Retained earnings to average equity (ytd only) | 10.6858% | 524 |
| Net charge-offs to loans | -0.0732% | 5,674 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2803% | 4,367 |
| Assets per employee ($millions) | 5.6757% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0837% | 4,319 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 66.9322% | 2,859 |
| Net loans and leases to deposits | 75.2759% | 3,391 |
| Net loans and leases to core deposits | 78.1373% | 3,600 |
| Total domestic deposits to total assets | 88.9158% | 1,070 |
| Equity capital to assets | 10.8919% | 3,136 |
| Core capital (leverage) ratio | 10.9764% | 2,513 |
| Tier 1 risk-based capital ratio | 15.1596% | 3,209 |
| Total risk-based capital ratio | 16.1932% | 3,272 |
| Memoranda: | ||
| Average total assets | $321,057,250 | 2,055 |
| Average earning assets | $281,999,750 | 2,135 |
| Average equity | $34,350,000 | 2,086 |
| Average total loans | $211,409,500 | 1,998 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3652% | 1,960 |
| Cost of funding earning assets | 0.1802% | 5,608 |
| Net interest margin | 4.1850% | 1,131 |
| Noninterest income to average assets | 0.4894% | 3,450 |
| Noninterest expense to average assets | 2.7863% | 3,288 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.0201% | 2,293 |
| Return on assets (ROA) | 1.0756% | 2,136 |
| Pretax return on assets | 1.4707% | 1,725 |
| Return on Equity (ROE) | 10.1157% | 2,020 |
| Retained earnings to average equity (ytd only) | 10.1157% | 642 |
| Net charge-offs to loans | -0.0482% | 5,533 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1007% | 3,990 |
| Assets per employee ($millions) | 5.1094% | 2,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 4,485 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 68.5106% | 2,566 |
| Net loans and leases to deposits | 77.0301% | 3,157 |
| Net loans and leases to core deposits | 79.8359% | 3,404 |
| Total domestic deposits to total assets | 88.9401% | 1,169 |
| Equity capital to assets | 10.9065% | 2,986 |
| Core capital (leverage) ratio | 10.7665% | 2,663 |
| Tier 1 risk-based capital ratio | 14.7809% | 3,486 |
| Total risk-based capital ratio | 15.7921% | 3,543 |
| Memoranda: | ||
| Average total assets | $318,346,330 | 2,084 |
| Average earning assets | $280,811,330 | 2,159 |
| Average equity | $33,848,330 | 2,120 |
| Average total loans | $207,630,000 | 2,028 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4031% | 1,756 |
| Cost of funding earning assets | 0.1855% | 5,642 |
| Net interest margin | 4.2176% | 1,026 |
| Noninterest income to average assets | 0.3309% | 4,545 |
| Noninterest expense to average assets | 2.7036% | 3,576 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9391% | 2,566 |
| Return on assets (ROA) | 1.0529% | 2,159 |
| Pretax return on assets | 1.3988% | 1,894 |
| Return on Equity (ROE) | 10.0306% | 1,995 |
| Retained earnings to average equity (ytd only) | 10.0306% | 920 |
| Net charge-offs to loans | -0.1269% | 5,931 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.9569% | 3,834 |
| Assets per employee ($millions) | 5.1743% | 2,144 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1731% | 4,130 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 60.0890% | 3,641 |
| Net loans and leases to deposits | 67.1138% | 4,043 |
| Net loans and leases to core deposits | 69.2883% | 4,225 |
| Total domestic deposits to total assets | 89.5331% | 978 |
| Equity capital to assets | 10.2115% | 3,872 |
| Core capital (leverage) ratio | 10.5734% | 2,877 |
| Tier 1 risk-based capital ratio | 15.1069% | 3,376 |
| Total risk-based capital ratio | 16.1735% | 3,407 |
| Memoranda: | ||
| Average total assets | $319,128,000 | 2,094 |
| Average earning assets | $273,900,500 | 2,218 |
| Average equity | $33,497,500 | 2,147 |
| Average total loans | $201,755,500 | 2,073 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7112% | 1,277 |
| Cost of funding earning assets | 0.1887% | 5,844 |
| Net interest margin | 4.5225% | 714 |
| Noninterest income to average assets | 0.5060% | 3,459 |
| Noninterest expense to average assets | 3.1324% | 2,410 |
| Loan and lease loss provision to assets | 0.1504% | 1,745 |
| Net operating income to assets | 0.7707% | 3,514 |
| Return on assets (ROA) | 0.7707% | 3,617 |
| Pretax return on assets | 1.0757% | 3,180 |
| Return on Equity (ROE) | 7.0787% | 3,585 |
| Retained earnings to average equity (ytd only) | 7.0787% | 1,368 |
| Net charge-offs to loans | 0.0026% | 4,913 |
| Credit loss provision to net charge-offs | 8,800.0000% | 33 |
| Earnings coverage of net charge-offs (x) | 717.2000% | 66 |
| Efficiency ratio | 71.2011% | 3,338 |
| Assets per employee ($millions) | 4.8746% | 2,500 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1367% | 4,354 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 65.0806% | 3,035 |
| Net loans and leases to deposits | 73.1249% | 3,540 |
| Net loans and leases to core deposits | 75.4119% | 3,774 |
| Total domestic deposits to total assets | 88.9993% | 1,234 |
| Equity capital to assets | 10.8040% | 3,115 |
| Core capital (leverage) ratio | 10.8577% | 2,547 |
| Tier 1 risk-based capital ratio | 15.7151% | 3,122 |
| Total risk-based capital ratio | 16.8259% | 3,123 |
| Memoranda: | ||
| Average total assets | $292,464,000 | 2,197 |
| Average earning assets | $249,130,200 | 2,352 |
| Average equity | $31,842,000 | 2,172 |
| Average total loans | $189,837,000 | 2,120 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6842% | 1,346 |
| Cost of funding earning assets | 0.1941% | 5,881 |
| Net interest margin | 4.4901% | 753 |
| Noninterest income to average assets | 0.5600% | 3,132 |
| Noninterest expense to average assets | 3.0465% | 2,649 |
| Loan and lease loss provision to assets | 0.1916% | 1,260 |
| Net operating income to assets | 0.8222% | 3,328 |
| Return on assets (ROA) | 0.8222% | 3,417 |
| Pretax return on assets | 1.1454% | 3,008 |
| Return on Equity (ROE) | 7.5366% | 3,431 |
| Retained earnings to average equity (ytd only) | 7.5366% | 1,566 |
| Net charge-offs to loans | 0.0643% | 3,286 |
| Credit loss provision to net charge-offs | 461.1111% | 621 |
| Earnings coverage of net charge-offs (x) | 32.1770% | 1,309 |
| Efficiency ratio | 68.8152% | 3,708 |
| Assets per employee ($millions) | 5.0766% | 2,152 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0565% | 4,957 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 70.8141% | 2,055 |
| Net loans and leases to deposits | 79.9303% | 2,700 |
| Net loans and leases to core deposits | 81.3907% | 3,162 |
| Total domestic deposits to total assets | 88.5948% | 1,455 |
| Equity capital to assets | 11.2970% | 2,658 |
| Core capital (leverage) ratio | 10.8399% | 2,649 |
| Tier 1 risk-based capital ratio | 15.2538% | 3,438 |
| Total risk-based capital ratio | 16.2969% | 3,492 |
| Memoranda: | ||
| Average total assets | $288,805,250 | 2,230 |
| Average earning assets | $245,928,750 | 2,394 |
| Average equity | $31,507,750 | 2,198 |
| Average total loans | $186,756,250 | 2,159 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6242% | 1,462 |
| Cost of funding earning assets | 0.1949% | 5,952 |
| Net interest margin | 4.4293% | 808 |
| Noninterest income to average assets | 0.5315% | 3,256 |
| Noninterest expense to average assets | 2.9402% | 3,033 |
| Loan and lease loss provision to assets | 0.1386% | 1,789 |
| Net operating income to assets | 0.8496% | 3,074 |
| Return on assets (ROA) | 0.8496% | 3,177 |
| Pretax return on assets | 1.1850% | 2,737 |
| Return on Equity (ROE) | 7.8808% | 3,168 |
| Retained earnings to average equity (ytd only) | 7.8808% | 1,371 |
| Net charge-offs to loans | -0.0189% | 5,526 |
| Credit loss provision to net charge-offs | -1,176.4706% | 5,745 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.2594% | 3,956 |
| Assets per employee ($millions) | 4.6614% | 2,681 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1011% | 4,901 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 64.6739% | 2,966 |
| Net loans and leases to deposits | 72.7743% | 3,476 |
| Net loans and leases to core deposits | 74.0947% | 3,827 |
| Total domestic deposits to total assets | 88.8691% | 1,436 |
| Equity capital to assets | 11.0731% | 2,809 |
| Core capital (leverage) ratio | 10.8891% | 2,541 |
| Tier 1 risk-based capital ratio | 15.6364% | 3,275 |
| Total risk-based capital ratio | 16.6728% | 3,339 |
| Memoranda: | ||
| Average total assets | $288,617,330 | 2,236 |
| Average earning assets | $243,198,330 | 2,410 |
| Average equity | $31,113,670 | 2,210 |
| Average total loans | $179,974,330 | 2,235 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5563% | 1,622 |
| Cost of funding earning assets | 0.1867% | 6,103 |
| Net interest margin | 4.3696% | 860 |
| Noninterest income to average assets | 0.6074% | 2,694 |
| Noninterest expense to average assets | 2.8209% | 3,490 |
| Loan and lease loss provision to assets | 0.2080% | 1,111 |
| Net operating income to assets | 0.9112% | 2,599 |
| Return on assets (ROA) | 0.9112% | 2,670 |
| Pretax return on assets | 1.2787% | 2,182 |
| Return on Equity (ROE) | 8.5688% | 2,663 |
| Retained earnings to average equity (ytd only) | 8.5688% | 1,394 |
| Net charge-offs to loans | -0.0684% | 5,949 |
| Credit loss provision to net charge-offs | -500.0000% | 5,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7778% | 4,731 |
| Assets per employee ($millions) | 4.5991% | 2,817 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1400% | 4,922 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 62.1337% | 3,217 |
| Net loans and leases to deposits | 69.8624% | 3,621 |
| Net loans and leases to core deposits | 71.7280% | 3,897 |
| Total domestic deposits to total assets | 88.9372% | 1,704 |
| Equity capital to assets | 10.9166% | 2,800 |
| Core capital (leverage) ratio | 11.1592% | 2,260 |
| Tier 1 risk-based capital ratio | 15.8819% | 3,228 |
| Total risk-based capital ratio | 16.9358% | 3,308 |
| Memoranda: | ||
| Average total assets | $288,422,500 | 2,242 |
| Average earning assets | $244,234,500 | 2,405 |
| Average equity | $30,669,500 | 2,230 |
| Average total loans | $175,465,000 | 2,278 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8117% | 4,774 |
| Cost of funding earning assets | 0.1667% | 6,459 |
| Net interest margin | 3.6450% | 3,262 |
| Noninterest income to average assets | 0.4042% | 4,415 |
| Noninterest expense to average assets | 2.9451% | 3,216 |
| Loan and lease loss provision to assets | 0.0072% | 4,980 |
| Net operating income to assets | 0.5086% | 4,699 |
| Return on assets (ROA) | 0.5086% | 4,828 |
| Pretax return on assets | 0.6975% | 4,552 |
| Return on Equity (ROE) | 4.6582% | 4,809 |
| Retained earnings to average equity (ytd only) | 2.5739% | 4,421 |
| Net charge-offs to loans | -0.0012% | 5,831 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,222 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6908% | 2,058 |
| Assets per employee ($millions) | 4.6302% | 2,684 |
| Cash dividends to net income (ytd only)* | 44.7443% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0849% | 5,222 |
| Loan loss allowance to noncurrent loans | 454.3902% | 1,048 |
| Noncurrent assets plus other real estate owned to assets | 0.1406% | 5,898 |
| Noncurrent loans to loans | 0.2388% | 5,465 |
| Net loans and leases to total assets | 58.2287% | 4,002 |
| Net loans and leases to deposits | 65.0666% | 4,405 |
| Net loans and leases to core deposits | 66.8963% | 4,627 |
| Total domestic deposits to total assets | 89.4909% | 1,340 |
| Equity capital to assets | 10.3569% | 3,333 |
| Core capital (leverage) ratio | 10.1357% | 3,383 |
| Tier 1 risk-based capital ratio | 16.0733% | 3,064 |
| Total risk-based capital ratio | 17.0788% | 3,138 |
| Memoranda: | ||
| Average total assets | $276,837,200 | 2,297 |
| Average earning assets | $246,503,800 | 2,368 |
| Average equity | $30,226,200 | 2,239 |
| Average total loans | $160,355,200 | 2,418 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6585% | 5,282 |
| Cost of funding earning assets | 0.1491% | 6,637 |
| Net interest margin | 3.5094% | 3,839 |
| Noninterest income to average assets | 0.3578% | 4,830 |
| Noninterest expense to average assets | 2.8704% | 3,404 |
| Loan and lease loss provision to assets | 0.0024% | 4,910 |
| Net operating income to assets | 0.4677% | 4,944 |
| Return on assets (ROA) | 0.4677% | 5,090 |
| Pretax return on assets | 0.6454% | 4,865 |
| Return on Equity (ROE) | 4.2253% | 5,121 |
| Retained earnings to average equity (ytd only) | 1.4466% | 5,407 |
| Net charge-offs to loans | -0.0220% | 6,066 |
| Credit loss provision to net charge-offs | -19.2308% | 5,635 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5873% | 1,886 |
| Assets per employee ($millions) | 4.5105% | 2,869 |
| Cash dividends to net income (ytd only)* | 65.7622% | 1,235 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1479% | 5,130 |
| Loan loss allowance to noncurrent loans | 220.3529% | 1,823 |
| Noncurrent assets plus other real estate owned to assets | 0.2944% | 5,548 |
| Noncurrent loans to loans | 0.5209% | 4,894 |
| Net loans and leases to total assets | 55.8748% | 4,337 |
| Net loans and leases to deposits | 62.4755% | 4,695 |
| Net loans and leases to core deposits | 64.2506% | 4,876 |
| Total domestic deposits to total assets | 89.4348% | 1,337 |
| Equity capital to assets | 10.3009% | 3,510 |
| Core capital (leverage) ratio | 11.7421% | 1,857 |
| Tier 1 risk-based capital ratio | 17.1952% | 2,627 |
| Total risk-based capital ratio | 18.3089% | 2,648 |
| Memoranda: | ||
| Average total assets | $273,121,500 | 2,328 |
| Average earning assets | $245,959,500 | 2,382 |
| Average equity | $30,230,000 | 2,255 |
| Average total loans | $157,515,000 | 2,461 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3260% | 2,850 |
| Cost of funding earning assets | 0.1655% | 6,643 |
| Net interest margin | 4.1605% | 1,377 |
| Noninterest income to average assets | 0.3892% | 4,601 |
| Noninterest expense to average assets | 3.2390% | 2,241 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6967% | 3,820 |
| Return on assets (ROA) | 0.6967% | 3,994 |
| Pretax return on assets | 0.9797% | 3,606 |
| Return on Equity (ROE) | 6.0272% | 4,158 |
| Retained earnings to average equity (ytd only) | 6.0272% | 2,423 |
| Net charge-offs to loans | 0.0060% | 4,768 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 260.5000% | 198 |
| Efficiency ratio | 76.7774% | 2,672 |
| Assets per employee ($millions) | 4.2322% | 3,286 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 4,424 |
| Loan loss allowance to noncurrent loans | 4,175.0000% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0217% | 6,474 |
| Noncurrent loans to loans | 0.0315% | 6,313 |
| Net loans and leases to total assets | 67.8245% | 2,280 |
| Net loans and leases to deposits | 77.4862% | 2,642 |
| Net loans and leases to core deposits | 80.8917% | 2,926 |
| Total domestic deposits to total assets | 87.5311% | 2,523 |
| Equity capital to assets | 12.1810% | 1,785 |
| Core capital (leverage) ratio | 11.8739% | 1,688 |
| Tier 1 risk-based capital ratio | 16.2852% | 3,046 |
| Total risk-based capital ratio | 17.5154% | 3,008 |
| Memoranda: | ||
| Average total assets | $212,721,000 | 2,931 |
| Average earning assets | $195,793,330 | 2,918 |
| Average equity | $24,588,670 | 2,711 |
| Average total loans | $133,188,330 | 2,821 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1115% | 3,682 |
| Cost of funding earning assets | 0.1716% | 6,718 |
| Net interest margin | 3.9400% | 1,978 |
| Noninterest income to average assets | 0.3899% | 4,537 |
| Noninterest expense to average assets | 3.1539% | 2,503 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6712% | 3,837 |
| Return on assets (ROA) | 0.6712% | 3,993 |
| Pretax return on assets | 0.9526% | 3,553 |
| Return on Equity (ROE) | 5.9566% | 4,072 |
| Retained earnings to average equity (ytd only) | 5.9566% | 2,700 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.8025% | 2,795 |
| Assets per employee ($millions) | 4.5110% | 2,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3643% | 4,405 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 59.0122% | 3,604 |
| Net loans and leases to deposits | 66.5294% | 3,986 |
| Net loans and leases to core deposits | 69.6238% | 4,127 |
| Total domestic deposits to total assets | 88.7010% | 1,868 |
| Equity capital to assets | 10.9302% | 3,041 |
| Core capital (leverage) ratio | 11.1906% | 2,105 |
| Tier 1 risk-based capital ratio | 15.9896% | 3,277 |
| Total risk-based capital ratio | 17.2155% | 3,248 |
| Memoranda: | ||
| Average total assets | $217,509,000 | 2,906 |
| Average earning assets | $205,180,000 | 2,840 |
| Average equity | $24,510,500 | 2,760 |
| Average total loans | $129,973,000 | 2,893 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1077% | 4,922 |
| Cost of funding earning assets | 0.2553% | 6,646 |
| Net interest margin | 3.8523% | 3,013 |
| Noninterest income to average assets | 0.7142% | 2,646 |
| Noninterest expense to average assets | 3.5270% | 1,764 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6519% | 3,976 |
| Return on assets (ROA) | 0.6532% | 4,240 |
| Pretax return on assets | 0.7938% | 4,315 |
| Return on Equity (ROE) | 5.1457% | 4,613 |
| Retained earnings to average equity (ytd only) | 5.1457% | 2,610 |
| Net charge-offs to loans | -0.0475% | 6,698 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.6584% | 1,921 |
| Assets per employee ($millions) | 4.0282% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4728% | 3,848 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 58.7975% | 3,839 |
| Net loans and leases to deposits | 66.6122% | 4,191 |
| Net loans and leases to core deposits | 68.6663% | 4,462 |
| Total domestic deposits to total assets | 88.2684% | 2,049 |
| Equity capital to assets | 11.6333% | 2,321 |
| Core capital (leverage) ratio | 11.0562% | 2,209 |
| Tier 1 risk-based capital ratio | 17.2878% | 2,529 |
| Total risk-based capital ratio | 18.5417% | 2,505 |
| Memoranda: | ||
| Average total assets | $187,071,200 | 3,207 |
| Average earning assets | $175,062,000 | 3,164 |
| Average equity | $23,748,200 | 2,772 |
| Average total loans | $105,215,400 | 3,388 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0892% | 5,229 |
| Cost of funding earning assets | 0.2794% | 6,699 |
| Net interest margin | 3.8098% | 3,298 |
| Noninterest income to average assets | 0.8317% | 2,114 |
| Noninterest expense to average assets | 3.5288% | 1,691 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.7248% | 3,801 |
| Return on assets (ROA) | 0.7266% | 4,039 |
| Pretax return on assets | 0.8618% | 4,255 |
| Return on Equity (ROE) | 5.5890% | 4,541 |
| Retained earnings to average equity (ytd only) | 5.5890% | 2,969 |
| Net charge-offs to loans | -0.0319% | 6,595 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4119% | 2,032 |
| Assets per employee ($millions) | 3.8540% | 4,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5713% | 3,637 |
| Loan loss allowance to noncurrent loans | 5,185.7143% | 134 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 6,725 |
| Noncurrent loans to loans | 0.0303% | 6,547 |
| Net loans and leases to total assets | 59.0017% | 3,960 |
| Net loans and leases to deposits | 67.6635% | 4,235 |
| Net loans and leases to core deposits | 69.6302% | 4,545 |
| Total domestic deposits to total assets | 87.1986% | 2,558 |
| Equity capital to assets | 12.5715% | 1,843 |
| Core capital (leverage) ratio | 12.1815% | 1,542 |
| Tier 1 risk-based capital ratio | 18.6508% | 2,118 |
| Total risk-based capital ratio | 19.9039% | 2,087 |
| Memoranda: | ||
| Average total assets | $181,472,000 | 3,321 |
| Average earning assets | $169,416,750 | 3,271 |
| Average equity | $23,593,250 | 2,812 |
| Average total loans | $100,268,500 | 3,549 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0223% | 5,582 |
| Cost of funding earning assets | 0.3020% | 6,733 |
| Net interest margin | 3.7203% | 3,725 |
| Noninterest income to average assets | 1.0510% | 1,315 |
| Noninterest expense to average assets | 3.5886% | 1,605 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.8507% | 3,135 |
| Return on assets (ROA) | 0.8507% | 3,410 |
| Pretax return on assets | 0.9419% | 3,916 |
| Return on Equity (ROE) | 6.4663% | 4,064 |
| Retained earnings to average equity (ytd only) | 6.4663% | 2,400 |
| Net charge-offs to loans | -0.1933% | 6,992 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.2101% | 2,299 |
| Assets per employee ($millions) | 3.4515% | 5,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7614% | 2,979 |
| Loan loss allowance to noncurrent loans | 5,230.5556% | 117 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 6,782 |
| Noncurrent loans to loans | 0.0337% | 6,600 |
| Net loans and leases to total assets | 58.5136% | 4,081 |
| Net loans and leases to deposits | 67.7240% | 4,246 |
| Net loans and leases to core deposits | 69.8567% | 4,543 |
| Total domestic deposits to total assets | 86.4000% | 3,142 |
| Equity capital to assets | 13.3682% | 1,357 |
| Core capital (leverage) ratio | 12.7002% | 1,261 |
| Tier 1 risk-based capital ratio | 20.1655% | 1,674 |
| Total risk-based capital ratio | 21.4207% | 1,636 |
| Memoranda: | ||
| Average total assets | $177,730,000 | 3,396 |
| Average earning assets | $166,223,000 | 3,326 |
| Average equity | $23,382,670 | 2,820 |
| Average total loans | $95,188,000 | 3,686 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9826% | 5,824 |
| Cost of funding earning assets | 0.3234% | 6,763 |
| Net interest margin | 3.6593% | 4,011 |
| Noninterest income to average assets | 0.4750% | 4,109 |
| Noninterest expense to average assets | 3.5283% | 1,697 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.2330% | 5,877 |
| Return on assets (ROA) | 0.2330% | 6,026 |
| Pretax return on assets | 0.3506% | 5,854 |
| Return on Equity (ROE) | 1.7853% | 6,139 |
| Retained earnings to average equity (ytd only) | 1.7853% | 5,353 |
| Net charge-offs to loans | -0.0358% | 6,407 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9621% | 1,020 |
| Assets per employee ($millions) | 3.7057% | 4,640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9431% | 2,546 |
| Loan loss allowance to noncurrent loans | 569.3038% | 615 |
| Noncurrent assets plus other real estate owned to assets | 0.2854% | 6,178 |
| Noncurrent loans to loans | 0.3413% | 5,987 |
| Net loans and leases to total assets | 52.1250% | 5,006 |
| Net loans and leases to deposits | 60.2938% | 5,114 |
| Net loans and leases to core deposits | 62.2856% | 5,294 |
| Total domestic deposits to total assets | 86.4516% | 3,277 |
| Equity capital to assets | 13.3813% | 1,285 |
| Core capital (leverage) ratio | 12.3998% | 1,385 |
| Tier 1 risk-based capital ratio | 21.4953% | 1,384 |
| Total risk-based capital ratio | 22.7512% | 1,351 |
| Memoranda: | ||
| Average total assets | $176,856,000 | 3,426 |
| Average earning assets | $164,514,000 | 3,369 |
| Average equity | $23,077,500 | 2,847 |
| Average total loans | $89,331,000 | 3,847 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9307% | 6,571 |
| Cost of funding earning assets | 0.4329% | 6,791 |
| Net interest margin | 3.4978% | 5,153 |
| Noninterest income to average assets | 0.4603% | 4,136 |
| Noninterest expense to average assets | 3.6666% | 1,603 |
| Loan and lease loss provision to assets | 0.5207% | 2,018 |
| Net operating income to assets | 0.4575% | 4,600 |
| Return on assets (ROA) | 0.4575% | 4,814 |
| Pretax return on assets | -0.4673% | 6,471 |
| Return on Equity (ROE) | 3.1289% | 5,232 |
| Retained earnings to average equity (ytd only) | 3.1289% | 3,995 |
| Net charge-offs to loans | 1.3370% | 1,232 |
| Credit loss provision to net charge-offs | 83.5189% | 4,300 |
| Earnings coverage of net charge-offs (x) | 0.0857% | 5,766 |
| Efficiency ratio | 98.5629% | 714 |
| Assets per employee ($millions) | 3.8201% | 4,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0807% | 2,061 |
| Loan loss allowance to noncurrent loans | 384.3348% | 865 |
| Noncurrent assets plus other real estate owned to assets | 0.3604% | 6,078 |
| Noncurrent loans to loans | 0.5414% | 5,631 |
| Net loans and leases to total assets | 46.9450% | 5,923 |
| Net loans and leases to deposits | 53.9257% | 6,076 |
| Net loans and leases to core deposits | 55.9210% | 6,164 |
| Total domestic deposits to total assets | 87.0550% | 2,731 |
| Equity capital to assets | 12.7261% | 1,640 |
| Core capital (leverage) ratio | 12.4968% | 1,354 |
| Tier 1 risk-based capital ratio | 23.1053% | 1,088 |
| Total risk-based capital ratio | 24.3568% | 1,071 |
| Memoranda: | ||
| Average total assets | $144,029,600 | 3,910 |
| Average earning assets | $134,225,600 | 3,849 |
| Average equity | $21,061,400 | 3,003 |
| Average total loans | $67,163,800 | 4,592 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0606% | 6,486 |
| Cost of funding earning assets | 0.4419% | 6,905 |
| Net interest margin | 3.6187% | 4,697 |
| Noninterest income to average assets | 0.4903% | 3,944 |
| Noninterest expense to average assets | 3.4124% | 2,158 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 1.2647% | 1,470 |
| Return on assets (ROA) | 1.2647% | 1,579 |
| Pretax return on assets | 0.4548% | 5,303 |
| Return on Equity (ROE) | 8.2917% | 2,917 |
| Retained earnings to average equity (ytd only) | 8.2917% | 1,396 |
| Net charge-offs to loans | 1.6870% | 819 |
| Credit loss provision to net charge-offs | 0.0000% | 5,735 |
| Earnings coverage of net charge-offs (x) | 0.5835% | 5,188 |
| Efficiency ratio | 88.2398% | 1,327 |
| Assets per employee ($millions) | 3.4859% | 5,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4782% | 4,217 |
| Loan loss allowance to noncurrent loans | 108.9184% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.8203% | 5,128 |
| Noncurrent loans to loans | 1.3571% | 4,273 |
| Net loans and leases to total assets | 46.7022% | 6,084 |
| Net loans and leases to deposits | 54.7430% | 6,142 |
| Net loans and leases to core deposits | 56.9057% | 6,229 |
| Total domestic deposits to total assets | 85.3117% | 3,607 |
| Equity capital to assets | 14.3703% | 1,033 |
| Core capital (leverage) ratio | 14.8861% | 688 |
| Tier 1 risk-based capital ratio | 27.2617% | 718 |
| Total risk-based capital ratio | 28.5131% | 702 |
| Memoranda: | ||
| Average total assets | $135,151,000 | 4,095 |
| Average earning assets | $126,118,750 | 4,036 |
| Average equity | $20,614,500 | 3,062 |
| Average total loans | $62,435,250 | 4,816 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9983% | 6,661 |
| Cost of funding earning assets | 0.4502% | 7,006 |
| Net interest margin | 3.5481% | 4,927 |
| Noninterest income to average assets | 0.5255% | 3,660 |
| Noninterest expense to average assets | 3.1993% | 2,901 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 1.9349% | 381 |
| Return on assets (ROA) | 1.9349% | 401 |
| Pretax return on assets | 0.6274% | 4,654 |
| Return on Equity (ROE) | 12.3740% | 1,388 |
| Retained earnings to average equity (ytd only) | 12.3740% | 473 |
| Net charge-offs to loans | 0.8996% | 1,732 |
| Credit loss provision to net charge-offs | 0.0000% | 5,336 |
| Earnings coverage of net charge-offs (x) | 1.5271% | 4,150 |
| Efficiency ratio | 83.6038% | 1,870 |
| Assets per employee ($millions) | 3.2508% | 5,529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5240% | 1,410 |
| Loan loss allowance to noncurrent loans | 79.3673% | 3,555 |
| Noncurrent assets plus other real estate owned to assets | 1.6172% | 3,769 |
| Noncurrent loans to loans | 3.1801% | 2,255 |
| Net loans and leases to total assets | 47.5493% | 6,102 |
| Net loans and leases to deposits | 57.7292% | 5,967 |
| Net loans and leases to core deposits | 60.7257% | 6,032 |
| Total domestic deposits to total assets | 82.3660% | 5,039 |
| Equity capital to assets | 17.3036% | 451 |
| Core capital (leverage) ratio | 16.9949% | 403 |
| Tier 1 risk-based capital ratio | 30.7016% | 500 |
| Total risk-based capital ratio | 31.9655% | 491 |
| Memoranda: | ||
| Average total assets | $125,588,670 | 4,311 |
| Average earning assets | $116,849,670 | 4,254 |
| Average equity | $19,638,000 | 3,181 |
| Average total loans | $57,359,000 | 5,068 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1049% | 6,490 |
| Cost of funding earning assets | 0.4701% | 7,067 |
| Net interest margin | 3.6348% | 4,400 |
| Noninterest income to average assets | 0.5361% | 3,611 |
| Noninterest expense to average assets | 2.1346% | 6,557 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 4.5089% | 58 |
| Return on assets (ROA) | 4.5089% | 59 |
| Pretax return on assets | 1.7749% | 857 |
| Return on Equity (ROE) | 30.6951% | 73 |
| Retained earnings to average equity (ytd only) | 30.6951% | 51 |
| Net charge-offs to loans | 0.0152% | 4,870 |
| Credit loss provision to net charge-offs | 0.0000% | 4,480 |
| Earnings coverage of net charge-offs (x) | 266.5000% | 114 |
| Efficiency ratio | 54.5997% | 6,637 |
| Assets per employee ($millions) | 3.2461% | 5,600 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7491% | 507 |
| Loan loss allowance to noncurrent loans | 88.2058% | 3,236 |
| Noncurrent assets plus other real estate owned to assets | 1.8460% | 3,501 |
| Noncurrent loans to loans | 4.2504% | 1,677 |
| Net loans and leases to total assets | 39.2810% | 6,831 |
| Net loans and leases to deposits | 48.4032% | 6,727 |
| Net loans and leases to core deposits | 49.3843% | 6,810 |
| Total domestic deposits to total assets | 81.1537% | 5,618 |
| Equity capital to assets | 18.5896% | 325 |
| Core capital (leverage) ratio | 18.4962% | 300 |
| Tier 1 risk-based capital ratio | 38.8778% | 253 |
| Total risk-based capital ratio | 40.1537% | 247 |
| Memoranda: | ||
| Average total assets | $120,117,000 | 4,480 |
| Average earning assets | $111,477,500 | 4,419 |
| Average equity | $17,644,500 | 3,461 |
| Average total loans | $52,738,000 | 5,298 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1416% | 3,903 |
| Cost of funding earning assets | 0.7569% | 6,712 |
| Net interest margin | 4.3846% | 1,535 |
| Noninterest income to average assets | 1.6962% | 513 |
| Noninterest expense to average assets | 4.4049% | 720 |
| Loan and lease loss provision to assets | 0.0000% | 7,042 |
| Net operating income to assets | 1.3140% | 1,134 |
| Return on assets (ROA) | 1.3240% | 1,183 |
| Pretax return on assets | 1.3240% | 1,875 |
| Return on Equity (ROE) | 14.1962% | 851 |
| Retained earnings to average equity (ytd only) | 14.1962% | 155 |
| Net charge-offs to loans | -0.6853% | 7,595 |
| Credit loss provision to net charge-offs | 0.0000% | 6,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0239% | 2,868 |
| Assets per employee ($millions) | 2.7716% | 6,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6034% | 547 |
| Loan loss allowance to noncurrent loans | 114.6659% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 1.7653% | 3,663 |
| Noncurrent loans to loans | 3.1425% | 2,424 |
| Net loans and leases to total assets | 45.6466% | 6,588 |
| Net loans and leases to deposits | 51.3976% | 6,790 |
| Net loans and leases to core deposits | 52.7278% | 6,870 |
| Total domestic deposits to total assets | 88.8108% | 1,765 |
| Equity capital to assets | 10.3444% | 3,333 |
| Core capital (leverage) ratio | 9.7350% | 3,388 |
| Tier 1 risk-based capital ratio | 19.5449% | 1,587 |
| Total risk-based capital ratio | 20.8205% | 1,547 |
| Memoranda: | ||
| Average total assets | $120,092,200 | 4,482 |
| Average earning assets | $110,180,000 | 4,460 |
| Average equity | $11,200,200 | 4,814 |
| Average total loans | $62,161,200 | 4,986 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2082% | 3,787 |
| Cost of funding earning assets | 0.8211% | 6,684 |
| Net interest margin | 4.3870% | 1,562 |
| Noninterest income to average assets | 2.0990% | 356 |
| Noninterest expense to average assets | 4.5047% | 588 |
| Loan and lease loss provision to assets | -0.1643% | 7,707 |
| Net operating income to assets | 1.7736% | 546 |
| Return on assets (ROA) | 1.7736% | 591 |
| Pretax return on assets | 1.7736% | 973 |
| Return on Equity (ROE) | 19.5146% | 338 |
| Retained earnings to average equity (ytd only) | 19.5146% | 90 |
| Net charge-offs to loans | -0.7637% | 7,696 |
| Credit loss provision to net charge-offs | 40.7609% | 6,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.6786% | 3,383 |
| Assets per employee ($millions) | 2.7774% | 6,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9663% | 848 |
| Loan loss allowance to noncurrent loans | 133.3590% | 2,129 |
| Noncurrent assets plus other real estate owned to assets | 1.4718% | 4,247 |
| Noncurrent loans to loans | 2.2243% | 3,419 |
| Net loans and leases to total assets | 49.7256% | 6,354 |
| Net loans and leases to deposits | 56.2202% | 6,603 |
| Net loans and leases to core deposits | 57.9242% | 6,733 |
| Total domestic deposits to total assets | 88.4479% | 1,697 |
| Equity capital to assets | 10.5581% | 3,459 |
| Core capital (leverage) ratio | 9.9752% | 3,283 |
| Tier 1 risk-based capital ratio | 17.7182% | 2,105 |
| Total risk-based capital ratio | 18.9869% | 2,063 |
| Memoranda: | ||
| Average total assets | $121,706,250 | 4,512 |
| Average earning assets | $111,386,750 | 4,495 |
| Average equity | $11,061,500 | 4,908 |
| Average total loans | $64,249,000 | 4,969 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1868% | 4,020 |
| Cost of funding earning assets | 0.9017% | 6,572 |
| Net interest margin | 4.2850% | 1,837 |
| Noninterest income to average assets | 2.8460% | 229 |
| Noninterest expense to average assets | 4.7041% | 472 |
| Loan and lease loss provision to assets | -0.5229% | 7,813 |
| Net operating income to assets | 2.5789% | 125 |
| Return on assets (ROA) | 2.5789% | 129 |
| Pretax return on assets | 2.5789% | 208 |
| Return on Equity (ROE) | 29.8482% | 58 |
| Retained earnings to average equity (ytd only) | 29.8482% | 25 |
| Net charge-offs to loans | -1.0965% | 7,764 |
| Credit loss provision to net charge-offs | 89.5317% | 4,437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5859% | 4,264 |
| Assets per employee ($millions) | 2.3711% | 7,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6161% | 1,173 |
| Loan loss allowance to noncurrent loans | 87.1348% | 3,122 |
| Noncurrent assets plus other real estate owned to assets | 2.4192% | 2,971 |
| Noncurrent loans to loans | 3.0023% | 2,676 |
| Net loans and leases to total assets | 51.8090% | 6,234 |
| Net loans and leases to deposits | 58.6355% | 6,530 |
| Net loans and leases to core deposits | 60.1994% | 6,702 |
| Total domestic deposits to total assets | 88.3579% | 1,802 |
| Equity capital to assets | 10.6703% | 3,200 |
| Core capital (leverage) ratio | 9.3053% | 4,111 |
| Tier 1 risk-based capital ratio | 17.3134% | 2,160 |
| Total risk-based capital ratio | 18.5781% | 2,122 |
| Memoranda: | ||
| Average total assets | $124,316,670 | 4,483 |
| Average earning assets | $113,558,330 | 4,460 |
| Average equity | $10,741,000 | 4,990 |
| Average total loans | $66,213,330 | 4,933 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0167% | 4,941 |
| Cost of funding earning assets | 0.9658% | 6,521 |
| Net interest margin | 4.0510% | 2,643 |
| Noninterest income to average assets | 0.5415% | 3,714 |
| Noninterest expense to average assets | 4.3654% | 667 |
| Loan and lease loss provision to assets | -0.9942% | 7,917 |
| Net operating income to assets | 0.8657% | 2,690 |
| Return on assets (ROA) | 0.8657% | 2,774 |
| Pretax return on assets | 0.8657% | 3,602 |
| Return on Equity (ROE) | 11.1352% | 1,742 |
| Retained earnings to average equity (ytd only) | 11.1352% | 890 |
| Net charge-offs to loans | -3.0197% | 7,874 |
| Credit loss provision to net charge-offs | 61.7871% | 4,267 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0325% | 754 |
| Assets per employee ($millions) | 2.4211% | 7,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4989% | 1,295 |
| Loan loss allowance to noncurrent loans | 61.9082% | 4,276 |
| Noncurrent assets plus other real estate owned to assets | 2.9809% | 2,412 |
| Noncurrent loans to loans | 4.0365% | 1,933 |
| Net loans and leases to total assets | 52.0870% | 6,262 |
| Net loans and leases to deposits | 57.2202% | 6,682 |
| Net loans and leases to core deposits | 58.0602% | 6,875 |
| Total domestic deposits to total assets | 91.0292% | 529 |
| Equity capital to assets | 8.1284% | 6,509 |
| Core capital (leverage) ratio | 7.6897% | 6,637 |
| Tier 1 risk-based capital ratio | 13.4644% | 4,010 |
| Total risk-based capital ratio | 14.7275% | 3,968 |
| Memoranda: | ||
| Average total assets | $130,755,000 | 4,394 |
| Average earning assets | $119,280,500 | 4,395 |
| Average equity | $10,166,000 | 5,192 |
| Average total loans | $69,676,500 | 4,873 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7038% | 3,091 |
| Cost of funding earning assets | 1.3835% | 6,001 |
| Net interest margin | 4.3203% | 1,659 |
| Noninterest income to average assets | 0.5939% | 3,678 |
| Noninterest expense to average assets | 4.5946% | 722 |
| Loan and lease loss provision to assets | 2.1684% | 963 |
| Net operating income to assets | -2.2589% | 7,183 |
| Return on assets (ROA) | -1.8772% | 7,040 |
| Pretax return on assets | -1.8772% | 6,892 |
| Return on Equity (ROE) | -26.6815% | 7,332 |
| Retained earnings to average equity (ytd only) | -26.6815% | 7,306 |
| Net charge-offs to loans | 4.0571% | 402 |
| Credit loss provision to net charge-offs | 88.0847% | 6,062 |
| Earnings coverage of net charge-offs (x) | -0.0368% | 6,254 |
| Efficiency ratio | 102.0100% | 1,012 |
| Assets per employee ($millions) | 2.3367% | 7,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1369% | 1,757 |
| Loan loss allowance to noncurrent loans | 56.5185% | 4,610 |
| Noncurrent assets plus other real estate owned to assets | 3.1683% | 2,186 |
| Noncurrent loans to loans | 3.7809% | 1,983 |
| Net loans and leases to total assets | 52.0226% | 6,417 |
| Net loans and leases to deposits | 56.6709% | 6,880 |
| Net loans and leases to core deposits | 68.5066% | 6,849 |
| Total domestic deposits to total assets | 91.7977% | 303 |
| Equity capital to assets | 7.4343% | 7,092 |
| Core capital (leverage) ratio | 7.2218% | 7,051 |
| Tier 1 risk-based capital ratio | 12.5914% | 4,455 |
| Total risk-based capital ratio | 13.8507% | 4,388 |
| Memoranda: | ||
| Average total assets | $138,075,600 | 4,163 |
| Average earning assets | $124,969,600 | 4,192 |
| Average equity | $9,714,600 | 5,376 |
| Average total loans | $83,779,000 | 4,391 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8210% | 2,796 |
| Cost of funding earning assets | 1.4595% | 6,001 |
| Net interest margin | 4.3615% | 1,556 |
| Noninterest income to average assets | 0.6528% | 3,331 |
| Noninterest expense to average assets | 4.6040% | 657 |
| Loan and lease loss provision to assets | 2.3633% | 719 |
| Net operating income to assets | -2.3671% | 7,435 |
| Return on assets (ROA) | -1.8627% | 7,263 |
| Pretax return on assets | -1.8627% | 7,119 |
| Return on Equity (ROE) | -26.8377% | 7,544 |
| Retained earnings to average equity (ytd only) | -26.8377% | 7,529 |
| Net charge-offs to loans | 4.1383% | 329 |
| Credit loss provision to net charge-offs | 91.4106% | 5,443 |
| Earnings coverage of net charge-offs (x) | -0.0015% | 6,067 |
| Efficiency ratio | 100.0832% | 1,058 |
| Assets per employee ($millions) | 2.3204% | 7,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1765% | 1,461 |
| Loan loss allowance to noncurrent loans | 46.8463% | 5,191 |
| Noncurrent assets plus other real estate owned to assets | 4.6862% | 1,279 |
| Noncurrent loans to loans | 4.6460% | 1,483 |
| Net loans and leases to total assets | 57.2955% | 5,993 |
| Net loans and leases to deposits | 62.6335% | 6,619 |
| Net loans and leases to core deposits | 76.8947% | 6,564 |
| Total domestic deposits to total assets | 91.4774% | 261 |
| Equity capital to assets | 7.4679% | 7,318 |
| Core capital (leverage) ratio | 7.1156% | 7,354 |
| Tier 1 risk-based capital ratio | 11.3235% | 5,617 |
| Total risk-based capital ratio | 12.5820% | 5,547 |
| Memoranda: | ||
| Average total assets | $139,296,000 | 4,152 |
| Average earning assets | $126,069,750 | 4,208 |
| Average equity | $9,667,750 | 5,439 |
| Average total loans | $87,022,750 | 4,338 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8212% | 2,950 |
| Cost of funding earning assets | 1.5290% | 6,019 |
| Net interest margin | 4.2923% | 1,676 |
| Noninterest income to average assets | 0.6538% | 3,315 |
| Noninterest expense to average assets | 4.5481% | 741 |
| Loan and lease loss provision to assets | 2.2861% | 700 |
| Net operating income to assets | -2.2917% | 7,508 |
| Return on assets (ROA) | -1.5476% | 7,273 |
| Pretax return on assets | -1.5476% | 7,110 |
| Return on Equity (ROE) | -22.8381% | 7,584 |
| Retained earnings to average equity (ytd only) | -22.8381% | 7,543 |
| Net charge-offs to loans | 3.5362% | 440 |
| Credit loss provision to net charge-offs | 101.5047% | 4,501 |
| Earnings coverage of net charge-offs (x) | -0.0025% | 5,693 |
| Efficiency ratio | 100.1243% | 1,168 |
| Assets per employee ($millions) | 2.3878% | 7,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2345% | 1,183 |
| Loan loss allowance to noncurrent loans | 33.9158% | 6,197 |
| Noncurrent assets plus other real estate owned to assets | 5.8978% | 826 |
| Noncurrent loans to loans | 6.5882% | 788 |
| Net loans and leases to total assets | 61.3220% | 5,472 |
| Net loans and leases to deposits | 66.7841% | 6,319 |
| Net loans and leases to core deposits | 83.1035% | 6,154 |
| Total domestic deposits to total assets | 91.8212% | 241 |
| Equity capital to assets | 7.0228% | 7,607 |
| Core capital (leverage) ratio | 7.2907% | 7,254 |
| Tier 1 risk-based capital ratio | 10.8362% | 6,046 |
| Total risk-based capital ratio | 12.0966% | 5,971 |
| Memoranda: | ||
| Average total assets | $141,641,330 | 4,144 |
| Average earning assets | $128,323,000 | 4,179 |
| Average equity | $9,598,000 | 5,487 |
| Average total loans | $90,208,670 | 4,270 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9378% | 2,615 |
| Cost of funding earning assets | 1.5996% | 6,031 |
| Net interest margin | 4.3382% | 1,488 |
| Noninterest income to average assets | 0.5279% | 4,075 |
| Noninterest expense to average assets | 4.5051% | 703 |
| Loan and lease loss provision to assets | 3.6700% | 275 |
| Net operating income to assets | -3.7007% | 7,948 |
| Return on assets (ROA) | -2.2288% | 7,715 |
| Pretax return on assets | -2.2288% | 7,600 |
| Return on Equity (ROE) | -33.4802% | 7,931 |
| Retained earnings to average equity (ytd only) | -33.4802% | 7,892 |
| Net charge-offs to loans | 6.6522% | 130 |
| Credit loss provision to net charge-offs | 85.9948% | 4,086 |
| Earnings coverage of net charge-offs (x) | -0.0072% | 4,987 |
| Efficiency ratio | 100.6866% | 1,103 |
| Assets per employee ($millions) | 2.4561% | 7,366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8919% | 1,632 |
| Loan loss allowance to noncurrent loans | 29.5321% | 6,582 |
| Noncurrent assets plus other real estate owned to assets | 4.7481% | 983 |
| Noncurrent loans to loans | 6.4064% | 705 |
| Net loans and leases to total assets | 62.0276% | 5,321 |
| Net loans and leases to deposits | 67.4684% | 6,228 |
| Net loans and leases to core deposits | 83.1588% | 6,132 |
| Total domestic deposits to total assets | 91.9358% | 194 |
| Equity capital to assets | 6.7151% | 7,803 |
| Core capital (leverage) ratio | 6.6657% | 7,812 |
| Tier 1 risk-based capital ratio | 9.9458% | 6,989 |
| Total risk-based capital ratio | 11.2029% | 6,881 |
| Memoranda: | ||
| Average total assets | $143,216,000 | 4,123 |
| Average earning assets | $130,283,000 | 4,147 |
| Average equity | $9,534,000 | 5,525 |
| Average total loans | $91,879,500 | 4,263 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9204% | 1,341 |
| Cost of funding earning assets | 2.2335% | 5,445 |
| Net interest margin | 4.6869% | 993 |
| Noninterest income to average assets | 0.3090% | 6,243 |
| Noninterest expense to average assets | 4.7858% | 720 |
| Loan and lease loss provision to assets | 0.9524% | 1,549 |
| Net operating income to assets | -1.2026% | 7,347 |
| Return on assets (ROA) | -1.2026% | 7,288 |
| Pretax return on assets | -1.2026% | 7,120 |
| Return on Equity (ROE) | -16.9477% | 7,664 |
| Retained earnings to average equity (ytd only) | -16.9477% | 7,565 |
| Net charge-offs to loans | 1.1454% | 1,055 |
| Credit loss provision to net charge-offs | 124.0427% | 4,321 |
| Earnings coverage of net charge-offs (x) | -0.3259% | 6,428 |
| Efficiency ratio | 105.5170% | 820 |
| Assets per employee ($millions) | 2.4823% | 7,234 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0471% | 1,152 |
| Loan loss allowance to noncurrent loans | 33.0348% | 6,525 |
| Noncurrent assets plus other real estate owned to assets | 5.0578% | 680 |
| Noncurrent loans to loans | 6.1968% | 544 |
| Net loans and leases to total assets | 63.7433% | 5,326 |
| Net loans and leases to deposits | 69.2349% | 6,347 |
| Net loans and leases to core deposits | 83.6226% | 6,332 |
| Total domestic deposits to total assets | 92.0681% | 123 |
| Equity capital to assets | 6.5997% | 7,904 |
| Core capital (leverage) ratio | 6.4917% | 7,939 |
| Tier 1 risk-based capital ratio | 9.3597% | 7,451 |
| Total risk-based capital ratio | 10.6184% | 7,371 |
| Memoranda: | ||
| Average total assets | $146,266,000 | 3,967 |
| Average earning assets | $131,899,000 | 4,014 |
| Average equity | $10,379,000 | 5,297 |
| Average total loans | $98,047,000 | 4,003 |