Home > Community First Bank & Trust > Performance and Condition Ratios
Community First Bank & Trust, 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 | 4.1153% | 3,004 |
| Cost of funding earning assets | 0.4899% | 2,425 |
| Net interest margin | 3.6255% | 3,086 |
| Noninterest income to average assets | 0.4124% | 3,552 |
| Noninterest expense to average assets | 2.8071% | 2,741 |
| Loan and lease loss provision to assets | 0.0116% | 4,052 |
| Net operating income to assets | 0.3007% | 4,928 |
| Return on assets (ROA) | 0.3007% | 4,943 |
| Pretax return on assets | 0.9083% | 3,895 |
| Return on Equity (ROE) | 3.1790% | 4,784 |
| Retained earnings to average equity (ytd only) | -11.1755% | 5,550 |
| Net charge-offs to loans | -0.0261% | 5,019 |
| Credit loss provision to net charge-offs | -67.0732% | 4,669 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5418% | 1,821 |
| Assets per employee ($millions) | 4.7651% | 2,777 |
| Cash dividends to net income (ytd only)* | 451.5428% | 27 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2131% | 2,697 |
| Loan loss allowance to noncurrent loans | 130.2777% | 3,073 |
| Noncurrent assets plus other real estate owned to assets | 1.1280% | 1,324 |
| Noncurrent loans to loans | 0.9312% | 1,915 |
| Net loans and leases to total assets | 66.5459% | 3,028 |
| Net loans and leases to deposits | 73.1805% | 3,581 |
| Net loans and leases to core deposits | 77.9569% | 3,586 |
| Total domestic deposits to total assets | 90.9339% | 257 |
| Equity capital to assets | 8.4235% | 5,172 |
| Core capital (leverage) ratio | 7.8536% | 5,484 |
| Tier 1 risk-based capital ratio | 11.2287% | 5,024 |
| Total risk-based capital ratio | 12.4044% | 4,939 |
| Memoranda: | ||
| Average total assets | $474,267,400 | 1,468 |
| Average earning assets | $433,597,400 | 1,495 |
| Average equity | $44,857,000 | 1,666 |
| Average total loans | $314,572,400 | 1,507 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1199% | 2,916 |
| Cost of funding earning assets | 0.4817% | 2,418 |
| Net interest margin | 3.6382% | 3,003 |
| Noninterest income to average assets | 0.4070% | 3,638 |
| Noninterest expense to average assets | 2.6091% | 3,383 |
| Loan and lease loss provision to assets | 0.0155% | 3,834 |
| Net operating income to assets | 0.7059% | 3,951 |
| Return on assets (ROA) | 0.7059% | 4,015 |
| Pretax return on assets | 1.1030% | 3,290 |
| Return on Equity (ROE) | 7.2636% | 3,514 |
| Retained earnings to average equity (ytd only) | 3.7882% | 3,667 |
| Net charge-offs to loans | -0.0341% | 5,037 |
| Credit loss provision to net charge-offs | -68.7500% | 4,471 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2162% | 2,671 |
| Assets per employee ($millions) | 4.8270% | 2,664 |
| Cash dividends to net income (ytd only)* | 47.8468% | 1,872 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2312% | 2,734 |
| Loan loss allowance to noncurrent loans | 276.2243% | 1,702 |
| Noncurrent assets plus other real estate owned to assets | 0.8337% | 2,062 |
| Noncurrent loans to loans | 0.4457% | 3,367 |
| Net loans and leases to total assets | 66.0000% | 3,105 |
| Net loans and leases to deposits | 73.7506% | 3,602 |
| Net loans and leases to core deposits | 77.6748% | 3,667 |
| Total domestic deposits to total assets | 89.4908% | 660 |
| Equity capital to assets | 9.9472% | 3,966 |
| Core capital (leverage) ratio | 9.4092% | 4,280 |
| Tier 1 risk-based capital ratio | 13.4142% | 3,753 |
| Total risk-based capital ratio | 14.5920% | 3,710 |
| Memoranda: | ||
| Average total assets | $473,706,000 | 1,479 |
| Average earning assets | $432,362,500 | 1,506 |
| Average equity | $46,036,500 | 1,649 |
| Average total loans | $312,967,000 | 1,522 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0922% | 2,853 |
| Cost of funding earning assets | 0.4756% | 2,370 |
| Net interest margin | 3.6166% | 2,970 |
| Noninterest income to average assets | 0.4169% | 3,583 |
| Noninterest expense to average assets | 2.6371% | 3,320 |
| Loan and lease loss provision to assets | 0.0232% | 3,525 |
| Net operating income to assets | 0.6744% | 3,960 |
| Return on assets (ROA) | 0.6744% | 4,022 |
| Pretax return on assets | 1.0521% | 3,366 |
| Return on Equity (ROE) | 6.9939% | 3,556 |
| Retained earnings to average equity (ytd only) | 3.4926% | 3,628 |
| Net charge-offs to loans | 0.0667% | 1,970 |
| Credit loss provision to net charge-offs | 52.8846% | 2,533 |
| Earnings coverage of net charge-offs (x) | 24.5000% | 1,640 |
| Efficiency ratio | 70.2512% | 2,632 |
| Assets per employee ($millions) | 4.8087% | 2,635 |
| Cash dividends to net income (ytd only)* | 50.0626% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2028% | 2,996 |
| Loan loss allowance to noncurrent loans | 258.0376% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 0.8875% | 2,000 |
| Noncurrent loans to loans | 0.4661% | 3,341 |
| Net loans and leases to total assets | 63.9778% | 3,387 |
| Net loans and leases to deposits | 71.3624% | 3,792 |
| Net loans and leases to core deposits | 74.9518% | 3,863 |
| Total domestic deposits to total assets | 89.6521% | 662 |
| Equity capital to assets | 9.7984% | 4,124 |
| Core capital (leverage) ratio | 9.1518% | 4,553 |
| Tier 1 risk-based capital ratio | 13.2523% | 3,837 |
| Total risk-based capital ratio | 14.3907% | 3,826 |
| Memoranda: | ||
| Average total assets | $473,924,670 | 1,487 |
| Average earning assets | $431,842,000 | 1,511 |
| Average equity | $45,697,000 | 1,660 |
| Average total loans | $311,921,000 | 1,522 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1200% | 2,581 |
| Cost of funding earning assets | 0.4710% | 2,341 |
| Net interest margin | 3.6490% | 2,697 |
| Noninterest income to average assets | 0.3037% | 4,387 |
| Noninterest expense to average assets | 2.6959% | 3,159 |
| Loan and lease loss provision to assets | 0.0169% | 3,354 |
| Net operating income to assets | 0.5845% | 4,221 |
| Return on assets (ROA) | 0.5845% | 4,269 |
| Pretax return on assets | 0.9068% | 3,746 |
| Return on Equity (ROE) | 6.1120% | 3,857 |
| Retained earnings to average equity (ytd only) | 2.5739% | 4,106 |
| Net charge-offs to loans | 0.0013% | 2,919 |
| Credit loss provision to net charge-offs | 2,000.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 1,092.0000% | 41 |
| Efficiency ratio | 73.6854% | 2,285 |
| Assets per employee ($millions) | 4.7912% | 2,717 |
| Cash dividends to net income (ytd only)* | 57.8871% | 1,487 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2124% | 3,061 |
| Loan loss allowance to noncurrent loans | 294.3102% | 1,635 |
| Noncurrent assets plus other real estate owned to assets | 0.9160% | 2,020 |
| Noncurrent loans to loans | 0.4120% | 3,616 |
| Net loans and leases to total assets | 64.8635% | 3,135 |
| Net loans and leases to deposits | 72.1743% | 3,596 |
| Net loans and leases to core deposits | 76.5149% | 3,606 |
| Total domestic deposits to total assets | 89.8707% | 716 |
| Equity capital to assets | 9.6016% | 4,181 |
| Core capital (leverage) ratio | 9.0483% | 4,680 |
| Tier 1 risk-based capital ratio | 12.8432% | 4,171 |
| Total risk-based capital ratio | 13.9949% | 4,133 |
| Memoranda: | ||
| Average total assets | $472,858,500 | 1,494 |
| Average earning assets | $429,708,500 | 1,526 |
| Average equity | $45,222,500 | 1,679 |
| Average total loans | $313,742,000 | 1,513 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0882% | 2,902 |
| Cost of funding earning assets | 0.4662% | 2,390 |
| Net interest margin | 3.6220% | 2,990 |
| Noninterest income to average assets | 0.5516% | 2,906 |
| Noninterest expense to average assets | 2.8824% | 2,736 |
| Loan and lease loss provision to assets | -0.1345% | 5,728 |
| Net operating income to assets | 0.6817% | 3,866 |
| Return on assets (ROA) | 0.7125% | 3,842 |
| Pretax return on assets | 1.1268% | 2,988 |
| Return on Equity (ROE) | 7.0069% | 3,464 |
| Retained earnings to average equity (ytd only) | -1.7831% | 5,517 |
| Net charge-offs to loans | -0.0389% | 5,324 |
| Credit loss provision to net charge-offs | 554.3860% | 608 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.5635% | 2,216 |
| Assets per employee ($millions) | 4.4894% | 3,129 |
| Cash dividends to net income (ytd only)* | 125.4480% | 219 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1888% | 3,187 |
| Loan loss allowance to noncurrent loans | 235.5486% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 1.3348% | 1,302 |
| Noncurrent loans to loans | 0.5047% | 3,338 |
| Net loans and leases to total assets | 66.2478% | 3,039 |
| Net loans and leases to deposits | 73.6870% | 3,546 |
| Net loans and leases to core deposits | 79.4294% | 3,443 |
| Total domestic deposits to total assets | 89.9044% | 678 |
| Equity capital to assets | 9.5254% | 4,244 |
| Core capital (leverage) ratio | 8.9108% | 4,841 |
| Tier 1 risk-based capital ratio | 12.6462% | 4,292 |
| Total risk-based capital ratio | 13.7864% | 4,248 |
| Memoranda: | ||
| Average total assets | $469,920,400 | 1,453 |
| Average earning assets | $424,908,400 | 1,486 |
| Average equity | $47,781,200 | 1,582 |
| Average total loans | $293,378,600 | 1,548 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0774% | 2,959 |
| Cost of funding earning assets | 0.4681% | 2,386 |
| Net interest margin | 3.6093% | 3,037 |
| Noninterest income to average assets | 0.5415% | 2,967 |
| Noninterest expense to average assets | 2.8824% | 2,694 |
| Loan and lease loss provision to assets | -0.2567% | 5,890 |
| Net operating income to assets | 0.7380% | 3,652 |
| Return on assets (ROA) | 0.7755% | 3,627 |
| Pretax return on assets | 1.2366% | 2,673 |
| Return on Equity (ROE) | 7.5076% | 3,291 |
| Retained earnings to average equity (ytd only) | 6.1330% | 2,108 |
| Net charge-offs to loans | -0.0450% | 5,331 |
| Credit loss provision to net charge-offs | 931.9588% | 437 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0075% | 2,107 |
| Assets per employee ($millions) | 4.3728% | 3,295 |
| Cash dividends to net income (ytd only)* | 18.3083% | 3,302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 3,567 |
| Loan loss allowance to noncurrent loans | 207.4163% | 2,183 |
| Noncurrent assets plus other real estate owned to assets | 1.3891% | 1,344 |
| Noncurrent loans to loans | 0.5523% | 3,340 |
| Net loans and leases to total assets | 63.3702% | 3,478 |
| Net loans and leases to deposits | 71.3555% | 3,853 |
| Net loans and leases to core deposits | 76.6107% | 3,781 |
| Total domestic deposits to total assets | 88.8091% | 1,004 |
| Equity capital to assets | 10.5620% | 3,498 |
| Core capital (leverage) ratio | 9.2800% | 4,485 |
| Tier 1 risk-based capital ratio | 13.3431% | 3,956 |
| Total risk-based capital ratio | 14.4087% | 3,968 |
| Memoranda: | ||
| Average total assets | $469,552,500 | 1,457 |
| Average earning assets | $424,413,750 | 1,485 |
| Average equity | $48,501,000 | 1,566 |
| Average total loans | $287,712,250 | 1,579 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0659% | 3,005 |
| Cost of funding earning assets | 0.4697% | 2,374 |
| Net interest margin | 3.5962% | 3,111 |
| Noninterest income to average assets | 0.5770% | 2,740 |
| Noninterest expense to average assets | 2.8866% | 2,723 |
| Loan and lease loss provision to assets | -0.2467% | 5,957 |
| Net operating income to assets | 0.7439% | 3,575 |
| Return on assets (ROA) | 0.8002% | 3,448 |
| Pretax return on assets | 1.2696% | 2,525 |
| Return on Equity (ROE) | 7.8058% | 3,086 |
| Retained earnings to average equity (ytd only) | 6.7650% | 1,732 |
| Net charge-offs to loans | -0.0191% | 4,926 |
| Credit loss provision to net charge-offs | 2,140.7407% | 195 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7627% | 2,251 |
| Assets per employee ($millions) | 4.3913% | 3,229 |
| Cash dividends to net income (ytd only)* | 13.3333% | 3,395 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2511% | 3,064 |
| Loan loss allowance to noncurrent loans | 228.7469% | 2,036 |
| Noncurrent assets plus other real estate owned to assets | 1.4096% | 1,390 |
| Noncurrent loans to loans | 0.5469% | 3,429 |
| Net loans and leases to total assets | 61.9785% | 3,630 |
| Net loans and leases to deposits | 69.6813% | 4,010 |
| Net loans and leases to core deposits | 74.8091% | 3,924 |
| Total domestic deposits to total assets | 88.9457% | 942 |
| Equity capital to assets | 10.3548% | 3,787 |
| Core capital (leverage) ratio | 9.0771% | 4,738 |
| Tier 1 risk-based capital ratio | 13.1658% | 4,097 |
| Total risk-based capital ratio | 14.3241% | 4,077 |
| Memoranda: | ||
| Average total assets | $468,650,000 | 1,466 |
| Average earning assets | $422,835,670 | 1,497 |
| Average equity | $48,041,330 | 1,579 |
| Average total loans | $282,703,000 | 1,605 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0383% | 3,074 |
| Cost of funding earning assets | 0.4751% | 2,329 |
| Net interest margin | 3.5632% | 3,229 |
| Noninterest income to average assets | 0.5968% | 2,556 |
| Noninterest expense to average assets | 2.9667% | 2,494 |
| Loan and lease loss provision to assets | -0.4963% | 6,084 |
| Net operating income to assets | 0.8400% | 3,032 |
| Return on assets (ROA) | 0.8604% | 3,064 |
| Pretax return on assets | 1.3653% | 2,019 |
| Return on Equity (ROE) | 8.4366% | 2,689 |
| Retained earnings to average equity (ytd only) | 8.4366% | 1,286 |
| Net charge-offs to loans | -0.0131% | 4,647 |
| Credit loss provision to net charge-offs | 6,422.2222% | 57 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2235% | 2,004 |
| Assets per employee ($millions) | 4.2566% | 3,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2966% | 2,923 |
| Loan loss allowance to noncurrent loans | 223.9275% | 2,061 |
| Noncurrent assets plus other real estate owned to assets | 1.5818% | 1,268 |
| Noncurrent loans to loans | 0.5790% | 3,457 |
| Net loans and leases to total assets | 60.8038% | 3,675 |
| Net loans and leases to deposits | 68.3414% | 4,024 |
| Net loans and leases to core deposits | 73.1680% | 3,967 |
| Total domestic deposits to total assets | 88.9707% | 1,117 |
| Equity capital to assets | 10.4014% | 3,614 |
| Core capital (leverage) ratio | 8.9662% | 4,904 |
| Tier 1 risk-based capital ratio | 12.9782% | 4,279 |
| Total risk-based capital ratio | 14.1457% | 4,244 |
| Memoranda: | ||
| Average total assets | $465,844,500 | 1,470 |
| Average earning assets | $419,285,000 | 1,511 |
| Average equity | $47,507,500 | 1,587 |
| Average total loans | $275,222,500 | 1,638 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1719% | 2,654 |
| Cost of funding earning assets | 0.4889% | 2,268 |
| Net interest margin | 3.6831% | 2,810 |
| Noninterest income to average assets | 0.4452% | 3,706 |
| Noninterest expense to average assets | 2.9835% | 2,605 |
| Loan and lease loss provision to assets | -0.4965% | 6,122 |
| Net operating income to assets | 3.6240% | 64 |
| Return on assets (ROA) | 3.6262% | 66 |
| Pretax return on assets | 1.2948% | 2,305 |
| Return on Equity (ROE) | 37.9631% | 29 |
| Retained earnings to average equity (ytd only) | 16.0534% | 112 |
| Net charge-offs to loans | -0.5186% | 6,086 |
| Credit loss provision to net charge-offs | 165.8339% | 1,628 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1399% | 1,946 |
| Assets per employee ($millions) | 4.4124% | 3,189 |
| Cash dividends to net income (ytd only)* | 57.7131% | 1,858 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6155% | 1,562 |
| Loan loss allowance to noncurrent loans | 1,140.0000% | 539 |
| Noncurrent assets plus other real estate owned to assets | 1.7541% | 1,087 |
| Noncurrent loans to loans | 0.1417% | 4,923 |
| Net loans and leases to total assets | 55.6642% | 4,322 |
| Net loans and leases to deposits | 62.3246% | 4,609 |
| Net loans and leases to core deposits | 66.7937% | 4,529 |
| Total domestic deposits to total assets | 89.3134% | 957 |
| Equity capital to assets | 9.9965% | 3,959 |
| Core capital (leverage) ratio | 8.7903% | 5,124 |
| Tier 1 risk-based capital ratio | 13.0978% | 4,248 |
| Total risk-based capital ratio | 14.3691% | 4,151 |
| Memoranda: | ||
| Average total assets | $454,602,200 | 1,477 |
| Average earning assets | $411,558,200 | 1,498 |
| Average equity | $43,423,800 | 1,693 |
| Average total loans | $262,442,400 | 1,655 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2076% | 2,552 |
| Cost of funding earning assets | 0.4904% | 2,312 |
| Net interest margin | 3.7172% | 2,683 |
| Noninterest income to average assets | 0.5270% | 3,187 |
| Noninterest expense to average assets | 3.0071% | 2,500 |
| Loan and lease loss provision to assets | -0.6668% | 6,237 |
| Net operating income to assets | 1.4391% | 1,029 |
| Return on assets (ROA) | 1.4405% | 1,072 |
| Pretax return on assets | 1.5607% | 1,502 |
| Return on Equity (ROE) | 15.2642% | 692 |
| Retained earnings to average equity (ytd only) | 15.2642% | 155 |
| Net charge-offs to loans | -0.7331% | 6,188 |
| Credit loss provision to net charge-offs | 156.7361% | 1,622 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3333% | 2,191 |
| Assets per employee ($millions) | 4.1282% | 3,659 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6542% | 1,596 |
| Loan loss allowance to noncurrent loans | 810.8007% | 695 |
| Noncurrent assets plus other real estate owned to assets | 2.0169% | 1,010 |
| Noncurrent loans to loans | 0.2040% | 4,833 |
| Net loans and leases to total assets | 56.4905% | 4,297 |
| Net loans and leases to deposits | 63.2554% | 4,625 |
| Net loans and leases to core deposits | 67.8289% | 4,559 |
| Total domestic deposits to total assets | 89.3054% | 868 |
| Equity capital to assets | 9.9092% | 4,275 |
| Core capital (leverage) ratio | 10.1671% | 3,417 |
| Tier 1 risk-based capital ratio | 15.7696% | 2,910 |
| Total risk-based capital ratio | 17.0224% | 2,841 |
| Memoranda: | ||
| Average total assets | $451,324,000 | 1,492 |
| Average earning assets | $409,471,250 | 1,513 |
| Average equity | $42,591,000 | 1,732 |
| Average total loans | $261,896,750 | 1,670 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9483% | 3,498 |
| Cost of funding earning assets | 0.4902% | 2,351 |
| Net interest margin | 3.4581% | 3,667 |
| Noninterest income to average assets | 0.5367% | 3,127 |
| Noninterest expense to average assets | 3.0114% | 2,518 |
| Loan and lease loss provision to assets | -0.6962% | 6,301 |
| Net operating income to assets | 1.2534% | 1,452 |
| Return on assets (ROA) | 1.2538% | 1,508 |
| Pretax return on assets | 1.3518% | 2,179 |
| Return on Equity (ROE) | 13.5167% | 1,007 |
| Retained earnings to average equity (ytd only) | 13.5167% | 270 |
| Net charge-offs to loans | -0.7129% | 6,236 |
| Credit loss provision to net charge-offs | 167.7039% | 1,422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2925% | 1,585 |
| Assets per employee ($millions) | 3.9796% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7045% | 1,586 |
| Loan loss allowance to noncurrent loans | 149.7855% | 2,798 |
| Noncurrent assets plus other real estate owned to assets | 2.9221% | 580 |
| Noncurrent loans to loans | 1.1380% | 2,376 |
| Net loans and leases to total assets | 57.7074% | 4,140 |
| Net loans and leases to deposits | 64.1369% | 4,518 |
| Net loans and leases to core deposits | 68.6030% | 4,450 |
| Total domestic deposits to total assets | 89.9753% | 672 |
| Equity capital to assets | 9.4384% | 4,725 |
| Core capital (leverage) ratio | 9.8815% | 3,765 |
| Tier 1 risk-based capital ratio | 14.9931% | 3,360 |
| Total risk-based capital ratio | 16.2465% | 3,294 |
| Memoranda: | ||
| Average total assets | $449,021,000 | 1,516 |
| Average earning assets | $406,403,670 | 1,529 |
| Average equity | $41,652,330 | 1,769 |
| Average total loans | $261,458,330 | 1,676 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9524% | 3,406 |
| Cost of funding earning assets | 0.4912% | 2,366 |
| Net interest margin | 3.4612% | 3,579 |
| Noninterest income to average assets | 0.5812% | 2,760 |
| Noninterest expense to average assets | 3.0186% | 2,522 |
| Loan and lease loss provision to assets | -0.4092% | 6,338 |
| Net operating income to assets | 1.0003% | 2,271 |
| Return on assets (ROA) | 1.0011% | 2,401 |
| Pretax return on assets | 1.0961% | 3,098 |
| Return on Equity (ROE) | 10.8891% | 1,661 |
| Retained earnings to average equity (ytd only) | 10.8891% | 734 |
| Net charge-offs to loans | -0.1745% | 6,019 |
| Credit loss provision to net charge-offs | 404.4248% | 658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6623% | 1,806 |
| Assets per employee ($millions) | 3.8958% | 4,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8460% | 1,403 |
| Loan loss allowance to noncurrent loans | 64.3600% | 4,589 |
| Noncurrent assets plus other real estate owned to assets | 4.4600% | 304 |
| Noncurrent loans to loans | 2.8682% | 788 |
| Net loans and leases to total assets | 56.7945% | 4,111 |
| Net loans and leases to deposits | 62.9768% | 4,484 |
| Net loans and leases to core deposits | 67.1055% | 4,416 |
| Total domestic deposits to total assets | 90.1832% | 659 |
| Equity capital to assets | 9.2545% | 5,021 |
| Core capital (leverage) ratio | 9.5757% | 4,175 |
| Tier 1 risk-based capital ratio | 14.2270% | 3,861 |
| Total risk-based capital ratio | 15.4813% | 3,788 |
| Memoranda: | ||
| Average total assets | $446,691,500 | 1,534 |
| Average earning assets | $403,101,500 | 1,548 |
| Average equity | $41,068,500 | 1,789 |
| Average total loans | $259,014,000 | 1,693 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0049% | 3,712 |
| Cost of funding earning assets | 0.5466% | 2,234 |
| Net interest margin | 3.4583% | 3,948 |
| Noninterest income to average assets | 0.5553% | 3,147 |
| Noninterest expense to average assets | 3.1316% | 2,417 |
| Loan and lease loss provision to assets | -0.2280% | 6,316 |
| Net operating income to assets | 0.6204% | 4,274 |
| Return on assets (ROA) | 0.6617% | 4,180 |
| Pretax return on assets | 0.7941% | 4,284 |
| Return on Equity (ROE) | 7.6902% | 3,280 |
| Retained earnings to average equity (ytd only) | 7.6902% | 1,126 |
| Net charge-offs to loans | 0.7015% | 527 |
| Credit loss provision to net charge-offs | -54.6926% | 5,427 |
| Earnings coverage of net charge-offs (x) | 1.2389% | 4,460 |
| Efficiency ratio | 84.9994% | 1,285 |
| Assets per employee ($millions) | 3.7413% | 4,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0157% | 1,086 |
| Loan loss allowance to noncurrent loans | 59.7527% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 5.0712% | 269 |
| Noncurrent loans to loans | 3.3733% | 627 |
| Net loans and leases to total assets | 56.9389% | 4,206 |
| Net loans and leases to deposits | 63.0372% | 4,633 |
| Net loans and leases to core deposits | 66.7677% | 4,616 |
| Total domestic deposits to total assets | 90.3258% | 603 |
| Equity capital to assets | 9.1319% | 5,150 |
| Core capital (leverage) ratio | 9.3239% | 4,507 |
| Tier 1 risk-based capital ratio | 15.0614% | 3,458 |
| Total risk-based capital ratio | 16.3198% | 3,397 |
| Memoranda: | ||
| Average total assets | $444,795,600 | 1,491 |
| Average earning assets | $397,764,600 | 1,534 |
| Average equity | $38,269,600 | 1,846 |
| Average total loans | $264,275,000 | 1,606 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0217% | 3,676 |
| Cost of funding earning assets | 0.5591% | 2,204 |
| Net interest margin | 3.4626% | 3,969 |
| Noninterest income to average assets | 0.5143% | 3,449 |
| Noninterest expense to average assets | 3.1161% | 2,423 |
| Loan and lease loss provision to assets | -0.2394% | 6,415 |
| Net operating income to assets | 0.5890% | 4,487 |
| Return on assets (ROA) | 0.6406% | 4,353 |
| Pretax return on assets | 0.7920% | 4,388 |
| Return on Equity (ROE) | 7.5602% | 3,419 |
| Retained earnings to average equity (ytd only) | 7.5602% | 1,555 |
| Net charge-offs to loans | 0.5680% | 662 |
| Credit loss provision to net charge-offs | -70.5467% | 5,393 |
| Earnings coverage of net charge-offs (x) | 1.4409% | 4,154 |
| Efficiency ratio | 85.5839% | 1,226 |
| Assets per employee ($millions) | 3.7544% | 4,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3189% | 808 |
| Loan loss allowance to noncurrent loans | 43.4272% | 5,344 |
| Noncurrent assets plus other real estate owned to assets | 6.4821% | 198 |
| Noncurrent loans to loans | 5.3398% | 310 |
| Net loans and leases to total assets | 59.0486% | 3,921 |
| Net loans and leases to deposits | 65.2550% | 4,406 |
| Net loans and leases to core deposits | 68.7382% | 4,440 |
| Total domestic deposits to total assets | 90.4891% | 531 |
| Equity capital to assets | 8.9084% | 5,452 |
| Core capital (leverage) ratio | 9.0640% | 4,980 |
| Tier 1 risk-based capital ratio | 14.5734% | 3,840 |
| Total risk-based capital ratio | 15.8355% | 3,771 |
| Memoranda: | ||
| Average total assets | $445,625,750 | 1,499 |
| Average earning assets | $397,763,250 | 1,550 |
| Average equity | $37,758,250 | 1,872 |
| Average total loans | $266,208,250 | 1,603 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0004% | 3,725 |
| Cost of funding earning assets | 0.5726% | 2,142 |
| Net interest margin | 3.4279% | 4,068 |
| Noninterest income to average assets | 0.5563% | 3,075 |
| Noninterest expense to average assets | 3.0379% | 2,703 |
| Loan and lease loss provision to assets | -0.3563% | 6,550 |
| Net operating income to assets | 0.8388% | 3,133 |
| Return on assets (ROA) | 0.8548% | 3,148 |
| Pretax return on assets | 0.9461% | 3,696 |
| Return on Equity (ROE) | 10.2587% | 2,031 |
| Retained earnings to average equity (ytd only) | 10.2587% | 663 |
| Net charge-offs to loans | 0.6984% | 547 |
| Credit loss provision to net charge-offs | -85.7449% | 5,230 |
| Earnings coverage of net charge-offs (x) | 1.3762% | 3,820 |
| Efficiency ratio | 83.3045% | 1,591 |
| Assets per employee ($millions) | 3.9164% | 4,020 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3851% | 827 |
| Loan loss allowance to noncurrent loans | 39.9114% | 5,503 |
| Noncurrent assets plus other real estate owned to assets | 7.0275% | 183 |
| Noncurrent loans to loans | 5.9761% | 262 |
| Net loans and leases to total assets | 57.3018% | 4,078 |
| Net loans and leases to deposits | 63.1250% | 4,580 |
| Net loans and leases to core deposits | 66.4462% | 4,599 |
| Total domestic deposits to total assets | 90.7751% | 480 |
| Equity capital to assets | 8.6592% | 5,651 |
| Core capital (leverage) ratio | 8.8733% | 5,205 |
| Tier 1 risk-based capital ratio | 14.0744% | 4,213 |
| Total risk-based capital ratio | 15.3366% | 4,131 |
| Memoranda: | ||
| Average total assets | $448,998,000 | 1,485 |
| Average earning assets | $399,958,000 | 1,530 |
| Average equity | $37,412,000 | 1,881 |
| Average total loans | $267,188,670 | 1,592 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9995% | 3,683 |
| Cost of funding earning assets | 0.5907% | 2,058 |
| Net interest margin | 3.4088% | 4,079 |
| Noninterest income to average assets | 0.4533% | 3,762 |
| Noninterest expense to average assets | 2.9819% | 2,925 |
| Loan and lease loss provision to assets | -0.4461% | 6,651 |
| Net operating income to assets | 0.8575% | 2,863 |
| Return on assets (ROA) | 0.8575% | 2,930 |
| Pretax return on assets | 0.9503% | 3,516 |
| Return on Equity (ROE) | 10.4976% | 1,867 |
| Retained earnings to average equity (ytd only) | 10.4976% | 842 |
| Net charge-offs to loans | 1.3791% | 236 |
| Credit loss provision to net charge-offs | -53.9957% | 4,760 |
| Earnings coverage of net charge-offs (x) | 0.6102% | 3,298 |
| Efficiency ratio | 84.6685% | 1,594 |
| Assets per employee ($millions) | 3.8108% | 4,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5099% | 806 |
| Loan loss allowance to noncurrent loans | 39.1533% | 5,596 |
| Noncurrent assets plus other real estate owned to assets | 7.6762% | 180 |
| Noncurrent loans to loans | 6.4105% | 263 |
| Net loans and leases to total assets | 57.1209% | 3,980 |
| Net loans and leases to deposits | 62.6499% | 4,470 |
| Net loans and leases to core deposits | 66.1011% | 4,480 |
| Total domestic deposits to total assets | 91.1748% | 502 |
| Equity capital to assets | 8.2942% | 5,830 |
| Core capital (leverage) ratio | 8.6354% | 5,485 |
| Tier 1 risk-based capital ratio | 13.8492% | 4,437 |
| Total risk-based capital ratio | 15.1130% | 4,374 |
| Memoranda: | ||
| Average total assets | $448,302,500 | 1,492 |
| Average earning assets | $398,851,000 | 1,543 |
| Average equity | $36,618,000 | 1,913 |
| Average total loans | $268,589,500 | 1,588 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1154% | 3,678 |
| Cost of funding earning assets | 0.7993% | 1,214 |
| Net interest margin | 3.3161% | 4,602 |
| Noninterest income to average assets | 0.5368% | 3,503 |
| Noninterest expense to average assets | 2.9205% | 3,309 |
| Loan and lease loss provision to assets | 0.0095% | 4,934 |
| Net operating income to assets | 0.4826% | 4,806 |
| Return on assets (ROA) | 0.5153% | 4,800 |
| Pretax return on assets | 0.6089% | 4,847 |
| Return on Equity (ROE) | 6.8465% | 3,652 |
| Retained earnings to average equity (ytd only) | 6.8465% | 1,505 |
| Net charge-offs to loans | 0.6094% | 1,076 |
| Credit loss provision to net charge-offs | 2.5381% | 4,676 |
| Earnings coverage of net charge-offs (x) | 1.5510% | 4,539 |
| Efficiency ratio | 82.6053% | 1,798 |
| Assets per employee ($millions) | 3.7875% | 4,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9371% | 510 |
| Loan loss allowance to noncurrent loans | 44.2823% | 5,487 |
| Noncurrent assets plus other real estate owned to assets | 8.1597% | 182 |
| Noncurrent loans to loans | 6.6326% | 272 |
| Net loans and leases to total assets | 59.4430% | 3,804 |
| Net loans and leases to deposits | 65.0463% | 4,408 |
| Net loans and leases to core deposits | 68.6048% | 4,435 |
| Total domestic deposits to total assets | 91.3857% | 443 |
| Equity capital to assets | 8.0413% | 5,988 |
| Core capital (leverage) ratio | 8.4142% | 5,763 |
| Tier 1 risk-based capital ratio | 13.4336% | 4,695 |
| Total risk-based capital ratio | 14.7036% | 4,619 |
| Memoranda: | ||
| Average total assets | $474,129,200 | 1,401 |
| Average earning assets | $423,748,400 | 1,438 |
| Average equity | $35,682,600 | 1,931 |
| Average total loans | $290,959,000 | 1,461 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1130% | 3,706 |
| Cost of funding earning assets | 0.8380% | 1,109 |
| Net interest margin | 3.2750% | 4,729 |
| Noninterest income to average assets | 0.5168% | 3,697 |
| Noninterest expense to average assets | 2.9212% | 3,232 |
| Loan and lease loss provision to assets | 0.0832% | 3,402 |
| Net operating income to assets | 0.3570% | 5,414 |
| Return on assets (ROA) | 0.3978% | 5,386 |
| Pretax return on assets | 0.4926% | 5,377 |
| Return on Equity (ROE) | 5.3716% | 4,524 |
| Retained earnings to average equity (ytd only) | 5.3716% | 2,818 |
| Net charge-offs to loans | 0.7694% | 771 |
| Credit loss provision to net charge-offs | 17.6056% | 4,107 |
| Earnings coverage of net charge-offs (x) | 1.1121% | 4,472 |
| Efficiency ratio | 83.9286% | 1,606 |
| Assets per employee ($millions) | 3.8032% | 4,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9364% | 589 |
| Loan loss allowance to noncurrent loans | 42.6814% | 5,533 |
| Noncurrent assets plus other real estate owned to assets | 9.2944% | 160 |
| Noncurrent loans to loans | 6.8799% | 308 |
| Net loans and leases to total assets | 61.5983% | 3,440 |
| Net loans and leases to deposits | 67.3799% | 4,134 |
| Net loans and leases to core deposits | 71.4798% | 4,150 |
| Total domestic deposits to total assets | 91.4193% | 387 |
| Equity capital to assets | 7.8373% | 6,238 |
| Core capital (leverage) ratio | 8.0434% | 6,192 |
| Tier 1 risk-based capital ratio | 12.5554% | 5,423 |
| Total risk-based capital ratio | 13.8261% | 5,353 |
| Memoranda: | ||
| Average total assets | $480,929,250 | 1,387 |
| Average earning assets | $430,235,000 | 1,423 |
| Average equity | $35,618,500 | 1,949 |
| Average total loans | $295,272,000 | 1,430 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0514% | 3,921 |
| Cost of funding earning assets | 0.8830% | 974 |
| Net interest margin | 3.1684% | 5,053 |
| Noninterest income to average assets | 0.5598% | 3,444 |
| Noninterest expense to average assets | 2.8769% | 3,417 |
| Loan and lease loss provision to assets | 0.1220% | 2,797 |
| Net operating income to assets | 0.3293% | 5,490 |
| Return on assets (ROA) | 0.3893% | 5,417 |
| Pretax return on assets | 0.4812% | 5,434 |
| Return on Equity (ROE) | 5.3513% | 4,544 |
| Retained earnings to average equity (ytd only) | 5.3513% | 2,841 |
| Net charge-offs to loans | 0.6781% | 973 |
| Credit loss provision to net charge-offs | 29.6150% | 3,595 |
| Earnings coverage of net charge-offs (x) | 1.2843% | 4,112 |
| Efficiency ratio | 83.6379% | 1,675 |
| Assets per employee ($millions) | 3.9489% | 3,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0702% | 538 |
| Loan loss allowance to noncurrent loans | 36.2232% | 5,791 |
| Noncurrent assets plus other real estate owned to assets | 9.3293% | 172 |
| Noncurrent loans to loans | 8.4757% | 224 |
| Net loans and leases to total assets | 61.3444% | 3,413 |
| Net loans and leases to deposits | 67.0062% | 4,148 |
| Net loans and leases to core deposits | 71.9936% | 4,038 |
| Total domestic deposits to total assets | 91.5503% | 360 |
| Equity capital to assets | 7.5460% | 6,423 |
| Core capital (leverage) ratio | 7.4467% | 6,476 |
| Tier 1 risk-based capital ratio | 12.2300% | 5,659 |
| Total risk-based capital ratio | 13.5023% | 5,598 |
| Memoranda: | ||
| Average total assets | $491,646,670 | 1,359 |
| Average earning assets | $441,670,330 | 1,383 |
| Average equity | $35,767,330 | 1,950 |
| Average total loans | $298,762,000 | 1,415 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0516% | 3,915 |
| Cost of funding earning assets | 0.9210% | 890 |
| Net interest margin | 3.1306% | 5,159 |
| Noninterest income to average assets | 0.7104% | 2,535 |
| Noninterest expense to average assets | 2.9115% | 3,304 |
| Loan and lease loss provision to assets | 0.2379% | 1,529 |
| Net operating income to assets | 0.2981% | 5,573 |
| Return on assets (ROA) | 0.2981% | 5,699 |
| Pretax return on assets | 0.3830% | 5,621 |
| Return on Equity (ROE) | 4.1697% | 5,008 |
| Retained earnings to average equity (ytd only) | 4.1697% | 3,720 |
| Net charge-offs to loans | 0.0466% | 3,379 |
| Credit loss provision to net charge-offs | 857.1429% | 352 |
| Earnings coverage of net charge-offs (x) | 22.3714% | 1,139 |
| Efficiency ratio | 81.6611% | 2,091 |
| Assets per employee ($millions) | 4.4622% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4171% | 453 |
| Loan loss allowance to noncurrent loans | 42.3380% | 5,501 |
| Noncurrent assets plus other real estate owned to assets | 8.4959% | 282 |
| Noncurrent loans to loans | 8.0710% | 321 |
| Net loans and leases to total assets | 56.7362% | 3,972 |
| Net loans and leases to deposits | 64.3750% | 4,274 |
| Net loans and leases to core deposits | 70.0234% | 4,079 |
| Total domestic deposits to total assets | 88.1339% | 2,237 |
| Equity capital to assets | 7.2361% | 6,666 |
| Core capital (leverage) ratio | 7.1012% | 6,614 |
| Tier 1 risk-based capital ratio | 12.1276% | 5,834 |
| Total risk-based capital ratio | 13.4045% | 5,777 |
| Memoranda: | ||
| Average total assets | $504,484,500 | 1,337 |
| Average earning assets | $454,738,500 | 1,354 |
| Average equity | $36,070,000 | 1,958 |
| Average total loans | $300,692,500 | 1,410 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4355% | 3,678 |
| Cost of funding earning assets | 1.0816% | 976 |
| Net interest margin | 3.3539% | 5,054 |
| Noninterest income to average assets | 1.0424% | 1,428 |
| Noninterest expense to average assets | 2.9538% | 3,451 |
| Loan and lease loss provision to assets | 0.4755% | 1,296 |
| Net operating income to assets | 0.5459% | 4,497 |
| Return on assets (ROA) | 0.7299% | 3,851 |
| Pretax return on assets | 0.8529% | 4,093 |
| Return on Equity (ROE) | 11.9636% | 1,523 |
| Retained earnings to average equity (ytd only) | 11.9636% | 328 |
| Net charge-offs to loans | 3.3242% | 126 |
| Credit loss provision to net charge-offs | 21.6381% | 5,267 |
| Earnings coverage of net charge-offs (x) | 0.5071% | 5,232 |
| Efficiency ratio | 71.7458% | 3,469 |
| Assets per employee ($millions) | 4.3897% | 3,171 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1731% | 571 |
| Loan loss allowance to noncurrent loans | 39.1071% | 5,670 |
| Noncurrent assets plus other real estate owned to assets | 8.7871% | 290 |
| Noncurrent loans to loans | 8.1140% | 357 |
| Net loans and leases to total assets | 58.5302% | 3,875 |
| Net loans and leases to deposits | 66.2005% | 4,256 |
| Net loans and leases to core deposits | 72.2522% | 4,009 |
| Total domestic deposits to total assets | 88.4136% | 1,957 |
| Equity capital to assets | 7.0652% | 6,763 |
| Core capital (leverage) ratio | 6.4596% | 6,803 |
| Tier 1 risk-based capital ratio | 11.3789% | 6,170 |
| Total risk-based capital ratio | 12.6526% | 6,131 |
| Memoranda: | ||
| Average total assets | $567,847,600 | 1,168 |
| Average earning assets | $512,299,400 | 1,184 |
| Average equity | $34,646,800 | 2,004 |
| Average total loans | $375,373,200 | 1,114 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4914% | 3,673 |
| Cost of funding earning assets | 1.0926% | 1,093 |
| Net interest margin | 3.3988% | 5,039 |
| Noninterest income to average assets | 0.6338% | 3,082 |
| Noninterest expense to average assets | 2.8737% | 3,693 |
| Loan and lease loss provision to assets | 0.6180% | 867 |
| Net operating income to assets | 0.1565% | 6,019 |
| Return on assets (ROA) | 0.3623% | 5,598 |
| Pretax return on assets | 0.4875% | 5,496 |
| Return on Equity (ROE) | 6.1508% | 4,263 |
| Retained earnings to average equity (ytd only) | 6.1508% | 2,601 |
| Net charge-offs to loans | 3.6100% | 117 |
| Credit loss provision to net charge-offs | 25.4213% | 4,876 |
| Earnings coverage of net charge-offs (x) | 0.3404% | 5,154 |
| Efficiency ratio | 76.6605% | 2,573 |
| Assets per employee ($millions) | 4.4019% | 3,071 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3080% | 546 |
| Loan loss allowance to noncurrent loans | 41.4477% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 8.0361% | 380 |
| Noncurrent loans to loans | 7.9811% | 394 |
| Net loans and leases to total assets | 60.7765% | 3,619 |
| Net loans and leases to deposits | 67.9469% | 4,187 |
| Net loans and leases to core deposits | 75.6908% | 3,764 |
| Total domestic deposits to total assets | 89.4471% | 1,161 |
| Equity capital to assets | 6.0453% | 6,984 |
| Core capital (leverage) ratio | 5.7782% | 6,964 |
| Tier 1 risk-based capital ratio | 9.3410% | 6,915 |
| Total risk-based capital ratio | 10.6168% | 6,906 |
| Memoranda: | ||
| Average total assets | $582,509,500 | 1,153 |
| Average earning assets | $525,703,250 | 1,161 |
| Average equity | $34,314,500 | 2,036 |
| Average total loans | $392,265,750 | 1,076 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5905% | 3,407 |
| Cost of funding earning assets | 1.1065% | 1,193 |
| Net interest margin | 3.4839% | 4,746 |
| Noninterest income to average assets | 0.8321% | 2,047 |
| Noninterest expense to average assets | 2.8767% | 3,718 |
| Loan and lease loss provision to assets | 0.2372% | 2,702 |
| Net operating income to assets | 0.7570% | 3,568 |
| Return on assets (ROA) | 0.9147% | 3,102 |
| Pretax return on assets | 1.0377% | 3,568 |
| Return on Equity (ROE) | 15.6579% | 827 |
| Retained earnings to average equity (ytd only) | 15.6579% | 245 |
| Net charge-offs to loans | 2.7461% | 230 |
| Credit loss provision to net charge-offs | 12.5606% | 4,708 |
| Earnings coverage of net charge-offs (x) | 0.5803% | 4,780 |
| Efficiency ratio | 71.5139% | 3,517 |
| Assets per employee ($millions) | 4.3052% | 3,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9420% | 359 |
| Loan loss allowance to noncurrent loans | 42.1621% | 5,554 |
| Noncurrent assets plus other real estate owned to assets | 9.3221% | 308 |
| Noncurrent loans to loans | 9.3497% | 307 |
| Net loans and leases to total assets | 62.4396% | 3,348 |
| Net loans and leases to deposits | 69.5876% | 3,955 |
| Net loans and leases to core deposits | 78.8012% | 3,394 |
| Total domestic deposits to total assets | 89.7280% | 1,091 |
| Equity capital to assets | 6.1631% | 7,017 |
| Core capital (leverage) ratio | 5.6557% | 7,016 |
| Tier 1 risk-based capital ratio | 9.1360% | 6,966 |
| Total risk-based capital ratio | 10.4202% | 6,964 |
| Memoranda: | ||
| Average total assets | $590,331,670 | 1,136 |
| Average earning assets | $532,104,670 | 1,152 |
| Average equity | $34,487,330 | 2,007 |
| Average total loans | $405,890,670 | 1,034 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6597% | 3,217 |
| Cost of funding earning assets | 1.1501% | 1,172 |
| Net interest margin | 3.5096% | 4,647 |
| Noninterest income to average assets | 1.2550% | 902 |
| Noninterest expense to average assets | 2.9346% | 3,492 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 1.3658% | 1,288 |
| Return on assets (ROA) | 1.3658% | 1,444 |
| Pretax return on assets | 1.4800% | 1,928 |
| Return on Equity (ROE) | 24.0095% | 213 |
| Retained earnings to average equity (ytd only) | 24.0095% | 108 |
| Net charge-offs to loans | 0.6926% | 1,439 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 3.0287% | 2,981 |
| Efficiency ratio | 65.6737% | 4,618 |
| Assets per employee ($millions) | 4.2847% | 3,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6351% | 229 |
| Loan loss allowance to noncurrent loans | 47.3414% | 5,231 |
| Noncurrent assets plus other real estate owned to assets | 10.5585% | 264 |
| Noncurrent loans to loans | 9.7907% | 321 |
| Net loans and leases to total assets | 66.4258% | 2,386 |
| Net loans and leases to deposits | 74.5875% | 3,030 |
| Net loans and leases to core deposits | 83.8571% | 2,562 |
| Total domestic deposits to total assets | 89.0576% | 1,661 |
| Equity capital to assets | 6.0158% | 7,074 |
| Core capital (leverage) ratio | 5.1358% | 7,111 |
| Tier 1 risk-based capital ratio | 8.2213% | 7,083 |
| Total risk-based capital ratio | 9.5140% | 7,081 |
| Memoranda: | ||
| Average total assets | $599,204,000 | 1,115 |
| Average earning assets | $539,435,000 | 1,130 |
| Average equity | $34,086,500 | 2,030 |
| Average total loans | $422,739,500 | 988 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9738% | 3,001 |
| Cost of funding earning assets | 1.3336% | 1,328 |
| Net interest margin | 3.6402% | 4,563 |
| Noninterest income to average assets | 0.0563% | 6,810 |
| Noninterest expense to average assets | 2.8151% | 4,289 |
| Loan and lease loss provision to assets | 2.0258% | 291 |
| Net operating income to assets | -1.3655% | 6,876 |
| Return on assets (ROA) | -2.0599% | 7,048 |
| Pretax return on assets | -2.3017% | 7,086 |
| Return on Equity (ROE) | -32.9298% | 7,112 |
| Retained earnings to average equity (ytd only) | -32.9298% | 7,106 |
| Net charge-offs to loans | 2.4147% | 493 |
| Credit loss provision to net charge-offs | 111.8273% | 2,964 |
| Earnings coverage of net charge-offs (x) | 0.2783% | 5,622 |
| Efficiency ratio | 83.6698% | 1,805 |
| Assets per employee ($millions) | 4.4941% | 2,925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4461% | 263 |
| Loan loss allowance to noncurrent loans | 47.8669% | 5,145 |
| Noncurrent assets plus other real estate owned to assets | 10.2140% | 321 |
| Noncurrent loans to loans | 9.2886% | 370 |
| Net loans and leases to total assets | 68.2236% | 2,348 |
| Net loans and leases to deposits | 75.5097% | 3,257 |
| Net loans and leases to core deposits | 83.6851% | 2,929 |
| Total domestic deposits to total assets | 90.3507% | 789 |
| Equity capital to assets | 5.3790% | 7,144 |
| Core capital (leverage) ratio | 4.9157% | 7,154 |
| Tier 1 risk-based capital ratio | 7.2227% | 7,147 |
| Total risk-based capital ratio | 8.5140% | 7,145 |
| Memoranda: | ||
| Average total assets | $643,146,000 | 1,010 |
| Average earning assets | $576,482,600 | 1,026 |
| Average equity | $40,231,000 | 1,678 |
| Average total loans | $482,497,200 | 864 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0228% | 2,986 |
| Cost of funding earning assets | 1.3819% | 1,313 |
| Net interest margin | 3.6409% | 4,612 |
| Noninterest income to average assets | 0.3506% | 5,052 |
| Noninterest expense to average assets | 2.7398% | 4,580 |
| Loan and lease loss provision to assets | 1.6481% | 392 |
| Net operating income to assets | -0.6361% | 6,721 |
| Return on assets (ROA) | -1.4787% | 7,049 |
| Pretax return on assets | -1.8059% | 7,082 |
| Return on Equity (ROE) | -22.8801% | 7,138 |
| Retained earnings to average equity (ytd only) | -22.8801% | 7,127 |
| Net charge-offs to loans | 2.0112% | 631 |
| Credit loss provision to net charge-offs | 107.9973% | 3,058 |
| Earnings coverage of net charge-offs (x) | 0.5698% | 5,194 |
| Efficiency ratio | 74.8409% | 3,033 |
| Assets per employee ($millions) | 4.5717% | 2,804 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0317% | 383 |
| Loan loss allowance to noncurrent loans | 39.7871% | 5,638 |
| Noncurrent assets plus other real estate owned to assets | 9.7952% | 376 |
| Noncurrent loans to loans | 10.1332% | 351 |
| Net loans and leases to total assets | 70.2790% | 2,030 |
| Net loans and leases to deposits | 78.2869% | 2,925 |
| Net loans and leases to core deposits | 88.2164% | 2,459 |
| Total domestic deposits to total assets | 89.7711% | 999 |
| Equity capital to assets | 6.1558% | 7,172 |
| Core capital (leverage) ratio | 5.7345% | 7,164 |
| Tier 1 risk-based capital ratio | 8.2464% | 7,173 |
| Total risk-based capital ratio | 9.5331% | 7,169 |
| Memoranda: | ||
| Average total assets | $650,008,750 | 1,003 |
| Average earning assets | $581,789,250 | 1,019 |
| Average equity | $42,009,250 | 1,605 |
| Average total loans | $493,223,000 | 859 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0883% | 2,738 |
| Cost of funding earning assets | 1.4061% | 1,392 |
| Net interest margin | 3.6822% | 4,347 |
| Noninterest income to average assets | 0.3845% | 4,801 |
| Noninterest expense to average assets | 2.7576% | 4,602 |
| Loan and lease loss provision to assets | 2.1470% | 274 |
| Net operating income to assets | -1.1954% | 7,004 |
| Return on assets (ROA) | -1.1978% | 7,016 |
| Pretax return on assets | -1.1978% | 6,967 |
| Return on Equity (ROE) | -18.2533% | 7,131 |
| Retained earnings to average equity (ytd only) | -18.2533% | 7,112 |
| Net charge-offs to loans | 2.5074% | 470 |
| Credit loss provision to net charge-offs | 111.5873% | 2,745 |
| Earnings coverage of net charge-offs (x) | 0.4946% | 4,936 |
| Efficiency ratio | 73.2977% | 3,500 |
| Assets per employee ($millions) | 4.4772% | 2,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8504% | 460 |
| Loan loss allowance to noncurrent loans | 35.4707% | 5,940 |
| Noncurrent assets plus other real estate owned to assets | 10.4251% | 353 |
| Noncurrent loans to loans | 10.8551% | 328 |
| Net loans and leases to total assets | 73.7044% | 1,474 |
| Net loans and leases to deposits | 82.4290% | 2,382 |
| Net loans and leases to core deposits | 93.5632% | 1,952 |
| Total domestic deposits to total assets | 89.4156% | 1,292 |
| Equity capital to assets | 6.4424% | 7,196 |
| Core capital (leverage) ratio | 6.1135% | 7,180 |
| Tier 1 risk-based capital ratio | 8.4030% | 7,219 |
| Total risk-based capital ratio | 9.6866% | 7,219 |
| Memoranda: | ||
| Average total assets | $654,856,000 | 1,006 |
| Average earning assets | $591,280,670 | 1,010 |
| Average equity | $42,973,000 | 1,557 |
| Average total loans | $502,510,000 | 860 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1696% | 2,357 |
| Cost of funding earning assets | 1.4560% | 1,354 |
| Net interest margin | 3.7136% | 4,029 |
| Noninterest income to average assets | 0.5304% | 3,649 |
| Noninterest expense to average assets | 2.7788% | 4,533 |
| Loan and lease loss provision to assets | 1.1055% | 660 |
| Net operating income to assets | 0.0048% | 6,339 |
| Return on assets (ROA) | 0.0048% | 6,372 |
| Pretax return on assets | 0.0048% | 6,346 |
| Return on Equity (ROE) | 0.0730% | 6,369 |
| Retained earnings to average equity (ytd only) | 0.0730% | 5,764 |
| Net charge-offs to loans | 0.1747% | 3,446 |
| Credit loss provision to net charge-offs | 824.3243% | 468 |
| Earnings coverage of net charge-offs (x) | 8.2793% | 1,836 |
| Efficiency ratio | 70.4256% | 4,176 |
| Assets per employee ($millions) | 4.5700% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9121% | 443 |
| Loan loss allowance to noncurrent loans | 47.7634% | 5,129 |
| Noncurrent assets plus other real estate owned to assets | 7.8487% | 616 |
| Noncurrent loans to loans | 8.1905% | 592 |
| Net loans and leases to total assets | 73.8084% | 1,376 |
| Net loans and leases to deposits | 82.6263% | 2,250 |
| Net loans and leases to core deposits | 93.6213% | 1,939 |
| Total domestic deposits to total assets | 89.3279% | 1,575 |
| Equity capital to assets | 6.6954% | 7,166 |
| Core capital (leverage) ratio | 6.6101% | 7,143 |
| Tier 1 risk-based capital ratio | 9.0051% | 7,222 |
| Total risk-based capital ratio | 10.2899% | 7,223 |
| Memoranda: | ||
| Average total assets | $662,162,000 | 1,004 |
| Average earning assets | $598,883,500 | 1,001 |
| Average equity | $43,836,000 | 1,520 |
| Average total loans | $508,372,500 | 862 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3846% | 2,750 |
| Cost of funding earning assets | 1.7225% | 1,499 |
| Net interest margin | 3.6621% | 4,524 |
| Noninterest income to average assets | 0.2796% | 5,779 |
| Noninterest expense to average assets | 3.7060% | 1,690 |
| Loan and lease loss provision to assets | 2.1351% | 598 |
| Net operating income to assets | -2.5728% | 7,196 |
| Return on assets (ROA) | -2.4979% | 7,192 |
| Pretax return on assets | -2.1780% | 7,082 |
| Return on Equity (ROE) | -28.5927% | 7,200 |
| Retained earnings to average equity (ytd only) | -28.5927% | 7,188 |
| Net charge-offs to loans | 1.8104% | 1,165 |
| Credit loss provision to net charge-offs | 150.1352% | 2,408 |
| Earnings coverage of net charge-offs (x) | -0.0828% | 6,204 |
| Efficiency ratio | 80.1715% | 2,392 |
| Assets per employee ($millions) | 4.1127% | 3,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5534% | 578 |
| Loan loss allowance to noncurrent loans | 49.4946% | 5,034 |
| Noncurrent assets plus other real estate owned to assets | 7.2788% | 733 |
| Noncurrent loans to loans | 7.1794% | 773 |
| Net loans and leases to total assets | 74.0096% | 1,662 |
| Net loans and leases to deposits | 82.6594% | 2,688 |
| Net loans and leases to core deposits | 94.3323% | 2,215 |
| Total domestic deposits to total assets | 89.5356% | 1,365 |
| Equity capital to assets | 6.5457% | 7,247 |
| Core capital (leverage) ratio | 6.4428% | 7,208 |
| Tier 1 risk-based capital ratio | 8.8581% | 7,268 |
| Total risk-based capital ratio | 10.1380% | 7,271 |
| Memoranda: | ||
| Average total assets | $676,041,200 | 978 |
| Average earning assets | $610,792,400 | 993 |
| Average equity | $59,060,600 | 1,127 |
| Average total loans | $531,052,000 | 844 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4374% | 2,707 |
| Cost of funding earning assets | 1.7803% | 1,504 |
| Net interest margin | 3.6570% | 4,603 |
| Noninterest income to average assets | 0.4172% | 4,815 |
| Noninterest expense to average assets | 2.8333% | 4,336 |
| Loan and lease loss provision to assets | 0.8417% | 1,806 |
| Net operating income to assets | 0.0139% | 5,973 |
| Return on assets (ROA) | 0.0780% | 5,967 |
| Pretax return on assets | 0.1399% | 5,850 |
| Return on Equity (ROE) | 0.8412% | 5,933 |
| Retained earnings to average equity (ytd only) | 0.8412% | 5,470 |
| Net charge-offs to loans | 0.8582% | 2,302 |
| Credit loss provision to net charge-offs | 124.1449% | 3,301 |
| Earnings coverage of net charge-offs (x) | 1.2988% | 4,780 |
| Efficiency ratio | 74.6706% | 3,205 |
| Assets per employee ($millions) | 4.0945% | 3,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6714% | 1,116 |
| Loan loss allowance to noncurrent loans | 42.2300% | 5,475 |
| Noncurrent assets plus other real estate owned to assets | 7.0509% | 763 |
| Noncurrent loans to loans | 6.3258% | 956 |
| Net loans and leases to total assets | 77.4090% | 1,145 |
| Net loans and leases to deposits | 89.3949% | 1,805 |
| Net loans and leases to core deposits | 102.2821% | 1,628 |
| Total domestic deposits to total assets | 86.5921% | 2,764 |
| Equity capital to assets | 9.4532% | 4,916 |
| Core capital (leverage) ratio | 8.2630% | 5,943 |
| Tier 1 risk-based capital ratio | 10.6987% | 6,637 |
| Total risk-based capital ratio | 11.9669% | 6,599 |
| Memoranda: | ||
| Average total assets | $678,489,000 | 984 |
| Average earning assets | $611,625,250 | 999 |
| Average equity | $62,923,000 | 1,064 |
| Average total loans | $536,001,000 | 843 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4446% | 2,773 |
| Cost of funding earning assets | 1.8339% | 1,513 |
| Net interest margin | 3.6106% | 4,769 |
| Noninterest income to average assets | 0.5265% | 3,907 |
| Noninterest expense to average assets | 2.7345% | 4,763 |
| Loan and lease loss provision to assets | 0.9701% | 1,500 |
| Net operating income to assets | 0.0429% | 6,003 |
| Return on assets (ROA) | 0.0997% | 5,984 |
| Pretax return on assets | 0.1668% | 5,850 |
| Return on Equity (ROE) | 1.0816% | 5,930 |
| Retained earnings to average equity (ytd only) | 1.0816% | 5,332 |
| Net charge-offs to loans | 1.0994% | 1,720 |
| Credit loss provision to net charge-offs | 111.9418% | 3,625 |
| Earnings coverage of net charge-offs (x) | 1.2081% | 4,596 |
| Efficiency ratio | 70.7319% | 4,031 |
| Assets per employee ($millions) | 4.1641% | 3,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5932% | 1,201 |
| Loan loss allowance to noncurrent loans | 50.0128% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 6.2113% | 927 |
| Noncurrent loans to loans | 5.1851% | 1,318 |
| Net loans and leases to total assets | 76.7575% | 1,338 |
| Net loans and leases to deposits | 89.1162% | 1,987 |
| Net loans and leases to core deposits | 103.8224% | 1,662 |
| Total domestic deposits to total assets | 86.1320% | 3,012 |
| Equity capital to assets | 9.3734% | 4,896 |
| Core capital (leverage) ratio | 8.3690% | 5,633 |
| Tier 1 risk-based capital ratio | 10.5239% | 6,667 |
| Total risk-based capital ratio | 11.7907% | 6,649 |
| Memoranda: | ||
| Average total assets | $682,183,000 | 983 |
| Average earning assets | $614,961,000 | 999 |
| Average equity | $62,867,000 | 1,060 |
| Average total loans | $537,730,330 | 849 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4094% | 2,992 |
| Cost of funding earning assets | 1.9527% | 1,241 |
| Net interest margin | 3.4567% | 5,347 |
| Noninterest income to average assets | 0.4552% | 4,421 |
| Noninterest expense to average assets | 2.6410% | 5,181 |
| Loan and lease loss provision to assets | 0.6552% | 1,936 |
| Net operating income to assets | 0.2854% | 5,352 |
| Return on assets (ROA) | 0.4686% | 4,671 |
| Pretax return on assets | 0.4686% | 5,062 |
| Return on Equity (ROE) | 5.1273% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.1273% | 3,083 |
| Net charge-offs to loans | 1.3281% | 1,288 |
| Credit loss provision to net charge-offs | 62.5763% | 4,249 |
| Earnings coverage of net charge-offs (x) | 0.8984% | 4,241 |
| Efficiency ratio | 72.0662% | 3,918 |
| Assets per employee ($millions) | 4.3374% | 3,229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3514% | 1,494 |
| Loan loss allowance to noncurrent loans | 40.6877% | 5,649 |
| Noncurrent assets plus other real estate owned to assets | 6.3011% | 924 |
| Noncurrent loans to loans | 5.7791% | 1,172 |
| Net loans and leases to total assets | 77.7813% | 1,190 |
| Net loans and leases to deposits | 89.8254% | 1,927 |
| Net loans and leases to core deposits | 105.7695% | 1,596 |
| Total domestic deposits to total assets | 86.5916% | 2,848 |
| Equity capital to assets | 9.3480% | 4,764 |
| Core capital (leverage) ratio | 8.1656% | 5,967 |
| Tier 1 risk-based capital ratio | 10.3461% | 6,763 |
| Total risk-based capital ratio | 11.6099% | 6,751 |
| Memoranda: | ||
| Average total assets | $688,060,500 | 997 |
| Average earning assets | $622,329,000 | 1,003 |
| Average equity | $62,879,500 | 1,064 |
| Average total loans | $542,443,500 | 866 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4034% | 4,683 |
| Cost of funding earning assets | 2.4584% | 1,126 |
| Net interest margin | 2.9449% | 6,769 |
| Noninterest income to average assets | 0.3933% | 5,262 |
| Noninterest expense to average assets | 2.9468% | 4,355 |
| Loan and lease loss provision to assets | 1.5301% | 1,505 |
| Net operating income to assets | -1.2328% | 6,725 |
| Return on assets (ROA) | -1.0951% | 6,643 |
| Pretax return on assets | -1.2401% | 6,564 |
| Return on Equity (ROE) | -11.9803% | 6,765 |
| Retained earnings to average equity (ytd only) | -11.9803% | 6,679 |
| Net charge-offs to loans | 1.1641% | 2,100 |
| Credit loss provision to net charge-offs | 166.6056% | 2,607 |
| Earnings coverage of net charge-offs (x) | 0.1451% | 6,017 |
| Efficiency ratio | 93.6863% | 1,430 |
| Assets per employee ($millions) | 4.3993% | 3,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4448% | 1,298 |
| Loan loss allowance to noncurrent loans | 54.4509% | 4,728 |
| Noncurrent assets plus other real estate owned to assets | 5.1144% | 1,190 |
| Noncurrent loans to loans | 4.4900% | 1,586 |
| Net loans and leases to total assets | 76.1376% | 1,757 |
| Net loans and leases to deposits | 87.4297% | 2,655 |
| Net loans and leases to core deposits | 129.4113% | 1,313 |
| Total domestic deposits to total assets | 87.0844% | 2,455 |
| Equity capital to assets | 8.9362% | 5,239 |
| Core capital (leverage) ratio | 7.8946% | 6,328 |
| Tier 1 risk-based capital ratio | 10.0331% | 6,843 |
| Total risk-based capital ratio | 11.2979% | 6,800 |
| Memoranda: | ||
| Average total assets | $713,750,800 | 955 |
| Average earning assets | $651,188,200 | 956 |
| Average equity | $65,240,200 | 1,016 |
| Average total loans | $563,097,200 | 847 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3758% | 5,064 |
| Cost of funding earning assets | 2.5671% | 1,112 |
| Net interest margin | 2.8087% | 7,044 |
| Noninterest income to average assets | 0.3374% | 5,791 |
| Noninterest expense to average assets | 2.6957% | 5,348 |
| Loan and lease loss provision to assets | 1.2833% | 1,498 |
| Net operating income to assets | -0.9248% | 6,780 |
| Return on assets (ROA) | -0.8528% | 6,726 |
| Pretax return on assets | -0.9911% | 6,682 |
| Return on Equity (ROE) | -9.2792% | 6,834 |
| Retained earnings to average equity (ytd only) | -9.2792% | 6,734 |
| Net charge-offs to loans | 0.4759% | 3,324 |
| Credit loss provision to net charge-offs | 340.9383% | 1,200 |
| Earnings coverage of net charge-offs (x) | 0.5531% | 5,478 |
| Efficiency ratio | 90.7124% | 1,625 |
| Assets per employee ($millions) | 4.5750% | 2,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4582% | 1,101 |
| Loan loss allowance to noncurrent loans | 56.6663% | 4,570 |
| Noncurrent assets plus other real estate owned to assets | 4.5843% | 1,325 |
| Noncurrent loans to loans | 4.3380% | 1,644 |
| Net loans and leases to total assets | 78.0590% | 1,558 |
| Net loans and leases to deposits | 90.7918% | 2,432 |
| Net loans and leases to core deposits | 134.2999% | 1,192 |
| Total domestic deposits to total assets | 85.9759% | 2,715 |
| Equity capital to assets | 9.3626% | 4,937 |
| Core capital (leverage) ratio | 8.1272% | 6,140 |
| Tier 1 risk-based capital ratio | 10.2604% | 6,724 |
| Total risk-based capital ratio | 11.5251% | 6,654 |
| Memoranda: | ||
| Average total assets | $717,315,000 | 961 |
| Average earning assets | $655,468,000 | 956 |
| Average equity | $65,923,250 | 1,016 |
| Average total loans | $567,390,250 | 860 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3182% | 5,569 |
| Cost of funding earning assets | 2.6274% | 1,216 |
| Net interest margin | 2.6908% | 7,222 |
| Noninterest income to average assets | 0.3614% | 5,624 |
| Noninterest expense to average assets | 2.6736% | 5,481 |
| Loan and lease loss provision to assets | 0.9757% | 1,731 |
| Net operating income to assets | -0.5245% | 6,573 |
| Return on assets (ROA) | -0.4460% | 6,501 |
| Pretax return on assets | -0.7062% | 6,608 |
| Return on Equity (ROE) | -4.8824% | 6,593 |
| Retained earnings to average equity (ytd only) | -4.8824% | 6,284 |
| Net charge-offs to loans | 0.6349% | 2,450 |
| Credit loss provision to net charge-offs | 195.0139% | 2,344 |
| Earnings coverage of net charge-offs (x) | 0.2909% | 5,384 |
| Efficiency ratio | 92.6851% | 1,592 |
| Assets per employee ($millions) | 4.7107% | 2,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8904% | 1,819 |
| Loan loss allowance to noncurrent loans | 71.4305% | 3,869 |
| Noncurrent assets plus other real estate owned to assets | 3.2592% | 1,915 |
| Noncurrent loans to loans | 2.6464% | 2,736 |
| Net loans and leases to total assets | 75.5395% | 2,301 |
| Net loans and leases to deposits | 87.5575% | 3,247 |
| Net loans and leases to core deposits | 127.0647% | 1,778 |
| Total domestic deposits to total assets | 86.2742% | 2,642 |
| Equity capital to assets | 9.1766% | 5,053 |
| Core capital (leverage) ratio | 8.5177% | 5,416 |
| Tier 1 risk-based capital ratio | 10.5009% | 6,378 |
| Total risk-based capital ratio | 11.7582% | 6,316 |
| Memoranda: | ||
| Average total assets | $721,570,000 | 971 |
| Average earning assets | $659,054,330 | 968 |
| Average equity | $65,909,670 | 1,027 |
| Average total loans | $568,578,670 | 878 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3234% | 5,796 |
| Cost of funding earning assets | 2.6822% | 1,319 |
| Net interest margin | 2.6412% | 7,309 |
| Noninterest income to average assets | 0.1651% | 7,124 |
| Noninterest expense to average assets | 2.6465% | 5,233 |
| Loan and lease loss provision to assets | 0.7206% | 1,779 |
| Net operating income to assets | -0.5534% | 6,931 |
| Return on assets (ROA) | -0.6865% | 7,080 |
| Pretax return on assets | -0.9702% | 7,139 |
| Return on Equity (ROE) | -7.5338% | 7,194 |
| Retained earnings to average equity (ytd only) | -7.5338% | 6,854 |
| Net charge-offs to loans | 0.8815% | 1,486 |
| Credit loss provision to net charge-offs | 102.5478% | 3,659 |
| Earnings coverage of net charge-offs (x) | -0.0884% | 5,063 |
| Efficiency ratio | 100.0216% | 1,126 |
| Assets per employee ($millions) | 4.5657% | 2,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5989% | 2,523 |
| Loan loss allowance to noncurrent loans | 64.9445% | 4,317 |
| Noncurrent assets plus other real estate owned to assets | 3.3778% | 1,613 |
| Noncurrent loans to loans | 2.4619% | 2,682 |
| Net loans and leases to total assets | 77.3819% | 1,956 |
| Net loans and leases to deposits | 90.1770% | 2,901 |
| Net loans and leases to core deposits | 127.5420% | 1,819 |
| Total domestic deposits to total assets | 85.8111% | 2,819 |
| Equity capital to assets | 9.6245% | 4,490 |
| Core capital (leverage) ratio | 8.7361% | 5,085 |
| Tier 1 risk-based capital ratio | 10.5370% | 6,361 |
| Total risk-based capital ratio | 11.7907% | 6,264 |
| Memoranda: | ||
| Average total assets | $714,919,000 | 980 |
| Average earning assets | $654,845,000 | 979 |
| Average equity | $65,146,500 | 1,048 |
| Average total loans | $569,960,500 | 873 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2509% | 4,233 |
| Cost of funding earning assets | 3.1492% | 1,356 |
| Net interest margin | 3.1017% | 6,649 |
| Noninterest income to average assets | 0.6233% | 3,689 |
| Noninterest expense to average assets | 2.7339% | 5,118 |
| Loan and lease loss provision to assets | 0.8310% | 1,794 |
| Net operating income to assets | 0.0155% | 6,326 |
| Return on assets (ROA) | 0.0403% | 6,119 |
| Pretax return on assets | -0.0532% | 6,213 |
| Return on Equity (ROE) | 0.4475% | 6,096 |
| Retained earnings to average equity (ytd only) | 0.4475% | 4,979 |
| Net charge-offs to loans | 0.4858% | 2,414 |
| Credit loss provision to net charge-offs | 209.8709% | 2,298 |
| Earnings coverage of net charge-offs (x) | 1.8664% | 5,136 |
| Efficiency ratio | 76.5735% | 3,141 |
| Assets per employee ($millions) | 4.6603% | 2,385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5586% | 2,405 |
| Loan loss allowance to noncurrent loans | 264.6920% | 1,509 |
| Noncurrent assets plus other real estate owned to assets | 1.6036% | 3,043 |
| Noncurrent loans to loans | 0.5888% | 5,610 |
| Net loans and leases to total assets | 79.5545% | 1,761 |
| Net loans and leases to deposits | 94.5613% | 2,680 |
| Net loans and leases to core deposits | 131.2233% | 1,770 |
| Total domestic deposits to total assets | 84.1302% | 3,254 |
| Equity capital to assets | 8.5977% | 5,943 |
| Core capital (leverage) ratio | 7.9860% | 6,519 |
| Tier 1 risk-based capital ratio | 8.9418% | 7,820 |
| Total risk-based capital ratio | 10.1948% | 7,831 |
| Memoranda: | ||
| Average total assets | $665,212,600 | 1,006 |
| Average earning assets | $611,145,600 | 992 |
| Average equity | $59,892,000 | 1,124 |
| Average total loans | $542,216,800 | 881 |