Home > Community National Bank > Performance and Condition Ratios
Community National Bank, Performance and Condition Ratios
| 2020-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3196% | 1,809 |
| Cost of funding earning assets | 0.5073% | 2,907 |
| Net interest margin | 3.8122% | 1,466 |
| Noninterest income to average assets | 0.7046% | 1,850 |
| Noninterest expense to average assets | 4.3272% | 284 |
| Loan and lease loss provision to assets | 0.1119% | 2,950 |
| Net operating income to assets | -0.2100% | 4,821 |
| Return on assets (ROA) | -0.1373% | 4,816 |
| Pretax return on assets | -0.1048% | 4,799 |
| Return on Equity (ROE) | -1.3015% | 4,825 |
| Retained earnings to average equity (ytd only) | -6.2882% | 4,860 |
| Net charge-offs to loans | 0.5172% | 302 |
| Credit loss provision to net charge-offs | 34.7222% | 3,203 |
| Earnings coverage of net charge-offs (x) | -0.2037% | 3,342 |
| Efficiency ratio | 101.5405% | 159 |
| Assets per employee ($millions) | 3.7817% | 4,520 |
| Cash dividends to net income (ytd only)* | -383.1522% | 4,993 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2839% | 2,495 |
| Loan loss allowance to noncurrent loans | 20.7853% | 4,356 |
| Noncurrent assets plus other real estate owned to assets | 3.8283% | 69 |
| Noncurrent loans to loans | 6.1769% | 51 |
| Net loans and leases to total assets | 58.8190% | 3,002 |
| Net loans and leases to deposits | 66.2407% | 3,246 |
| Net loans and leases to core deposits | 69.8640% | 3,263 |
| Total domestic deposits to total assets | 88.7959% | 1,076 |
| Equity capital to assets | 10.7285% | 2,497 |
| Core capital (leverage) ratio | 9.8187% | 2,776 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $268,091,800 | 2,475 |
| Average earning assets | $250,141,000 | 2,469 |
| Average equity | $28,275,200 | 2,587 |
| Average total loans | $167,061,800 | 2,511 |
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 1,831 |
| Cost of funding earning assets | 0.5662% | 2,836 |
| Net interest margin | 3.8425% | 1,491 |
| Noninterest income to average assets | 0.6826% | 1,849 |
| Noninterest expense to average assets | 4.4414% | 261 |
| Loan and lease loss provision to assets | 0.0746% | 3,385 |
| Net operating income to assets | -0.2801% | 4,857 |
| Return on assets (ROA) | -0.1831% | 4,846 |
| Pretax return on assets | -0.1537% | 4,829 |
| Return on Equity (ROE) | -1.7435% | 4,858 |
| Retained earnings to average equity (ytd only) | -8.4236% | 4,906 |
| Net charge-offs to loans | 0.4604% | 328 |
| Credit loss provision to net charge-offs | 25.7290% | 2,964 |
| Earnings coverage of net charge-offs (x) | -0.6072% | 3,151 |
| Efficiency ratio | 104.1292% | 139 |
| Assets per employee ($millions) | 3.7805% | 4,491 |
| Cash dividends to net income (ytd only)* | -383.1522% | 5,025 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1805% | 2,775 |
| Loan loss allowance to noncurrent loans | 15.0082% | 4,428 |
| Noncurrent assets plus other real estate owned to assets | 4.6308% | 66 |
| Noncurrent loans to loans | 7.8660% | 45 |
| Net loans and leases to total assets | 57.9622% | 3,419 |
| Net loans and leases to deposits | 65.1339% | 3,685 |
| Net loans and leases to core deposits | 68.8712% | 3,704 |
| Total domestic deposits to total assets | 88.9893% | 773 |
| Equity capital to assets | 10.3544% | 2,918 |
| Core capital (leverage) ratio | 9.8669% | 2,854 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $267,989,750 | 2,450 |
| Average earning assets | $249,866,250 | 2,450 |
| Average equity | $28,142,500 | 2,587 |
| Average total loans | $168,831,500 | 2,500 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6134% | 1,617 |
| Cost of funding earning assets | 0.6108% | 2,912 |
| Net interest margin | 4.0026% | 1,313 |
| Noninterest income to average assets | 0.6980% | 1,743 |
| Noninterest expense to average assets | 4.4896% | 252 |
| Loan and lease loss provision to assets | 0.0000% | 4,134 |
| Net operating income to assets | -0.0551% | 4,811 |
| Return on assets (ROA) | 0.0611% | 4,746 |
| Pretax return on assets | 0.0799% | 4,739 |
| Return on Equity (ROE) | 0.5786% | 4,740 |
| Retained earnings to average equity (ytd only) | -9.4935% | 4,909 |
| Net charge-offs to loans | 0.2945% | 540 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | -0.3532% | 2,947 |
| Efficiency ratio | 101.5170% | 165 |
| Assets per employee ($millions) | 3.5348% | 4,641 |
| Cash dividends to net income (ytd only)* | 1,740.7407% | 7 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2689% | 2,158 |
| Loan loss allowance to noncurrent loans | 24.5886% | 4,424 |
| Noncurrent assets plus other real estate owned to assets | 3.2399% | 133 |
| Noncurrent loans to loans | 5.1604% | 103 |
| Net loans and leases to total assets | 60.5922% | 3,257 |
| Net loans and leases to deposits | 68.3262% | 3,536 |
| Net loans and leases to core deposits | 72.6491% | 3,548 |
| Total domestic deposits to total assets | 88.6807% | 873 |
| Equity capital to assets | 10.6861% | 2,587 |
| Core capital (leverage) ratio | 10.2104% | 2,628 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $265,327,000 | 2,441 |
| Average earning assets | $246,888,000 | 2,440 |
| Average equity | $27,998,000 | 2,583 |
| Average total loans | $171,150,667 | 2,459 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5419% | 2,184 |
| Cost of funding earning assets | 0.6740% | 3,041 |
| Net interest margin | 3.8679% | 1,769 |
| Noninterest income to average assets | 0.7585% | 1,440 |
| Noninterest expense to average assets | 4.5239% | 297 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | -0.1470% | 4,824 |
| Return on assets (ROA) | 0.0076% | 4,734 |
| Pretax return on assets | 0.0258% | 4,720 |
| Return on Equity (ROE) | 0.0724% | 4,730 |
| Retained earnings to average equity (ytd only) | -20.3306% | 4,970 |
| Net charge-offs to loans | -0.0505% | 4,641 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.9024% | 194 |
| Assets per employee ($millions) | 3.3484% | 4,599 |
| Cash dividends to net income (ytd only)* | 28,200.0000% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 1,593 |
| Loan loss allowance to noncurrent loans | 24.6614% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 3.8432% | 108 |
| Noncurrent loans to loans | 5.7933% | 87 |
| Net loans and leases to total assets | 64.1738% | 3,047 |
| Net loans and leases to deposits | 72.0643% | 3,425 |
| Net loans and leases to core deposits | 77.6030% | 3,382 |
| Total domestic deposits to total assets | 89.0508% | 640 |
| Equity capital to assets | 10.4328% | 3,382 |
| Core capital (leverage) ratio | 10.3524% | 3,100 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $263,667,000 | 2,404 |
| Average earning assets | $245,095,500 | 2,407 |
| Average equity | $27,643,000 | 2,598 |
| Average total loans | $174,290,500 | 2,424 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2676% | 879 |
| Cost of funding earning assets | 0.7918% | 2,721 |
| Net interest margin | 4.4758% | 752 |
| Noninterest income to average assets | 0.8147% | 1,410 |
| Noninterest expense to average assets | 3.9734% | 545 |
| Loan and lease loss provision to assets | 0.0457% | 3,103 |
| Net operating income to assets | 0.9673% | 2,959 |
| Return on assets (ROA) | 0.9994% | 2,936 |
| Pretax return on assets | 1.0228% | 3,407 |
| Return on Equity (ROE) | 9.3022% | 2,607 |
| Retained earnings to average equity (ytd only) | 5.0237% | 2,399 |
| Net charge-offs to loans | -0.0572% | 4,846 |
| Credit loss provision to net charge-offs | -111.4286% | 4,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3232% | 997 |
| Assets per employee ($millions) | 5.0529% | 2,520 |
| Cash dividends to net income (ytd only)* | 45.9945% | 2,275 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2815% | 2,024 |
| Loan loss allowance to noncurrent loans | 26.3134% | 4,478 |
| Noncurrent assets plus other real estate owned to assets | 3.3508% | 143 |
| Noncurrent loans to loans | 4.8702% | 111 |
| Net loans and leases to total assets | 66.1747% | 2,927 |
| Net loans and leases to deposits | 74.3844% | 3,316 |
| Net loans and leases to core deposits | 79.7970% | 3,309 |
| Total domestic deposits to total assets | 88.9631% | 686 |
| Equity capital to assets | 10.5319% | 3,417 |
| Core capital (leverage) ratio | 10.5618% | 2,893 |
| Tier 1 risk-based capital ratio | 15.9172% | 2,431 |
| Total risk-based capital ratio | 17.1693% | 2,378 |
| Memoranda: | ||
| Average total assets | $256,051,600 | 2,417 |
| Average earning assets | $239,955,200 | 2,410 |
| Average equity | $27,509,600 | 2,531 |
| Average total loans | $183,546,400 | 2,284 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3680% | 749 |
| Cost of funding earning assets | 0.7678% | 2,879 |
| Net interest margin | 4.6002% | 619 |
| Noninterest income to average assets | 0.8296% | 1,333 |
| Noninterest expense to average assets | 4.4830% | 302 |
| Loan and lease loss provision to assets | 0.0619% | 2,662 |
| Net operating income to assets | 0.5753% | 4,364 |
| Return on assets (ROA) | 0.5961% | 4,356 |
| Pretax return on assets | 0.6199% | 4,505 |
| Return on Equity (ROE) | 5.5189% | 4,191 |
| Retained earnings to average equity (ytd only) | -0.2157% | 4,781 |
| Net charge-offs to loans | -0.1256% | 5,034 |
| Credit loss provision to net charge-offs | -67.6301% | 4,047 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1642% | 444 |
| Assets per employee ($millions) | 4.5854% | 3,071 |
| Cash dividends to net income (ytd only)* | 103.9073% | 284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2817% | 2,054 |
| Loan loss allowance to noncurrent loans | 62.7145% | 3,946 |
| Noncurrent assets plus other real estate owned to assets | 1.6003% | 655 |
| Noncurrent loans to loans | 2.0437% | 657 |
| Net loans and leases to total assets | 69.8531% | 2,499 |
| Net loans and leases to deposits | 78.7725% | 3,030 |
| Net loans and leases to core deposits | 83.9295% | 3,096 |
| Total domestic deposits to total assets | 88.6770% | 754 |
| Equity capital to assets | 10.2988% | 3,731 |
| Core capital (leverage) ratio | 10.3367% | 3,278 |
| Tier 1 risk-based capital ratio | 14.8086% | 2,947 |
| Total risk-based capital ratio | 16.0615% | 2,874 |
| Memoranda: | ||
| Average total assets | $251,850,000 | 2,469 |
| Average earning assets | $236,158,750 | 2,448 |
| Average equity | $27,202,750 | 2,559 |
| Average total loans | $183,706,250 | 2,307 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4354% | 631 |
| Cost of funding earning assets | 0.7184% | 3,060 |
| Net interest margin | 4.7171% | 476 |
| Noninterest income to average assets | 0.7995% | 1,352 |
| Noninterest expense to average assets | 4.2396% | 390 |
| Loan and lease loss provision to assets | 0.0947% | 1,959 |
| Net operating income to assets | 0.8622% | 3,424 |
| Return on assets (ROA) | 0.8740% | 3,452 |
| Pretax return on assets | 0.8982% | 3,849 |
| Return on Equity (ROE) | 7.9586% | 3,312 |
| Retained earnings to average equity (ytd only) | 0.0000% | 4,681 |
| Net charge-offs to loans | 0.0516% | 1,910 |
| Credit loss provision to net charge-offs | 248.9362% | 1,030 |
| Earnings coverage of net charge-offs (x) | 25.7872% | 1,583 |
| Efficiency ratio | 81.2122% | 862 |
| Assets per employee ($millions) | 4.2889% | 3,450 |
| Cash dividends to net income (ytd only)* | 100.0000% | 428 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1613% | 2,728 |
| Loan loss allowance to noncurrent loans | 69.6094% | 3,841 |
| Noncurrent assets plus other real estate owned to assets | 1.3900% | 864 |
| Noncurrent loans to loans | 1.6684% | 916 |
| Net loans and leases to total assets | 72.4963% | 2,149 |
| Net loans and leases to deposits | 81.7870% | 2,752 |
| Net loans and leases to core deposits | 86.6893% | 2,909 |
| Total domestic deposits to total assets | 88.6404% | 807 |
| Equity capital to assets | 10.6757% | 3,362 |
| Core capital (leverage) ratio | 10.7479% | 2,840 |
| Tier 1 risk-based capital ratio | 14.6960% | 2,968 |
| Total risk-based capital ratio | 15.9466% | 2,894 |
| Memoranda: | ||
| Average total assets | $247,148,670 | 2,510 |
| Average earning assets | $231,627,670 | 2,488 |
| Average equity | $27,140,330 | 2,558 |
| Average total loans | $182,212,000 | 2,325 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4571% | 558 |
| Cost of funding earning assets | 0.6469% | 3,335 |
| Net interest margin | 4.8102% | 402 |
| Noninterest income to average assets | 0.8312% | 1,209 |
| Noninterest expense to average assets | 3.6702% | 779 |
| Loan and lease loss provision to assets | 0.0694% | 2,268 |
| Net operating income to assets | 1.5752% | 946 |
| Return on assets (ROA) | 1.5120% | 1,113 |
| Pretax return on assets | 1.5368% | 1,654 |
| Return on Equity (ROE) | 13.5684% | 1,063 |
| Retained earnings to average equity (ytd only) | 1.6163% | 4,164 |
| Net charge-offs to loans | 0.0559% | 1,489 |
| Credit loss provision to net charge-offs | 168.0000% | 1,161 |
| Earnings coverage of net charge-offs (x) | 40.4400% | 1,147 |
| Efficiency ratio | 68.7191% | 2,537 |
| Assets per employee ($millions) | 4.4323% | 3,284 |
| Cash dividends to net income (ytd only)* | 88.0874% | 777 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1883% | 2,647 |
| Loan loss allowance to noncurrent loans | 73.5052% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 1.3267% | 969 |
| Noncurrent loans to loans | 1.6166% | 977 |
| Net loans and leases to total assets | 71.6594% | 2,216 |
| Net loans and leases to deposits | 80.8600% | 2,746 |
| Net loans and leases to core deposits | 84.2489% | 3,002 |
| Total domestic deposits to total assets | 88.6215% | 1,025 |
| Equity capital to assets | 10.9820% | 2,877 |
| Core capital (leverage) ratio | 11.3315% | 2,265 |
| Tier 1 risk-based capital ratio | 15.5104% | 2,645 |
| Total risk-based capital ratio | 16.7618% | 2,565 |
| Memoranda: | ||
| Average total assets | $242,056,500 | 2,567 |
| Average earning assets | $226,934,000 | 2,538 |
| Average equity | $26,974,500 | 2,572 |
| Average total loans | $178,943,500 | 2,379 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3154% | 565 |
| Cost of funding earning assets | 0.3355% | 4,376 |
| Net interest margin | 4.9800% | 273 |
| Noninterest income to average assets | 0.9144% | 1,143 |
| Noninterest expense to average assets | 3.9094% | 595 |
| Loan and lease loss provision to assets | 0.1580% | 1,306 |
| Net operating income to assets | 1.4873% | 1,155 |
| Return on assets (ROA) | 1.4731% | 1,187 |
| Pretax return on assets | 1.4957% | 1,797 |
| Return on Equity (ROE) | 12.6329% | 1,496 |
| Retained earnings to average equity (ytd only) | 5.2676% | 2,615 |
| Net charge-offs to loans | 0.0552% | 2,357 |
| Credit loss provision to net charge-offs | 402.2989% | 822 |
| Earnings coverage of net charge-offs (x) | 42.4828% | 1,260 |
| Efficiency ratio | 70.0922% | 2,167 |
| Assets per employee ($millions) | 4.0674% | 3,795 |
| Cash dividends to net income (ytd only)* | 58.3027% | 1,576 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1929% | 2,605 |
| Loan loss allowance to noncurrent loans | 75.0354% | 3,833 |
| Noncurrent assets plus other real estate owned to assets | 1.4917% | 788 |
| Noncurrent loans to loans | 1.5898% | 923 |
| Net loans and leases to total assets | 74.5052% | 1,838 |
| Net loans and leases to deposits | 85.3301% | 2,369 |
| Net loans and leases to core deposits | 88.5015% | 2,704 |
| Total domestic deposits to total assets | 87.3141% | 1,637 |
| Equity capital to assets | 11.3142% | 2,405 |
| Core capital (leverage) ratio | 11.6862% | 1,963 |
| Tier 1 risk-based capital ratio | 15.5559% | 2,593 |
| Total risk-based capital ratio | 16.8061% | 2,519 |
| Memoranda: | ||
| Average total assets | $221,568,200 | 2,687 |
| Average earning assets | $207,471,400 | 2,657 |
| Average equity | $25,837,200 | 2,577 |
| Average total loans | $157,580,400 | 2,551 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1998% | 626 |
| Cost of funding earning assets | 0.2761% | 4,648 |
| Net interest margin | 4.9237% | 302 |
| Noninterest income to average assets | 0.9322% | 1,103 |
| Noninterest expense to average assets | 4.0100% | 523 |
| Loan and lease loss provision to assets | 0.2141% | 783 |
| Net operating income to assets | 1.2990% | 1,865 |
| Return on assets (ROA) | 1.2912% | 1,893 |
| Pretax return on assets | 1.3144% | 2,560 |
| Return on Equity (ROE) | 10.9843% | 2,182 |
| Retained earnings to average equity (ytd only) | 3.9962% | 3,772 |
| Net charge-offs to loans | 0.0472% | 2,151 |
| Credit loss provision to net charge-offs | 648.1481% | 562 |
| Earnings coverage of net charge-offs (x) | 46.5174% | 1,229 |
| Efficiency ratio | 72.2982% | 1,837 |
| Assets per employee ($millions) | 3.9156% | 4,024 |
| Cash dividends to net income (ytd only)* | 63.6190% | 1,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3051% | 2,076 |
| Loan loss allowance to noncurrent loans | 65.6012% | 4,083 |
| Noncurrent assets plus other real estate owned to assets | 1.7613% | 675 |
| Noncurrent loans to loans | 1.9895% | 742 |
| Net loans and leases to total assets | 73.0172% | 2,163 |
| Net loans and leases to deposits | 83.0505% | 2,706 |
| Net loans and leases to core deposits | 86.1547% | 2,978 |
| Total domestic deposits to total assets | 87.9191% | 1,271 |
| Equity capital to assets | 11.5432% | 2,232 |
| Core capital (leverage) ratio | 12.0035% | 1,785 |
| Tier 1 risk-based capital ratio | 16.1657% | 2,385 |
| Total risk-based capital ratio | 17.4182% | 2,330 |
| Memoranda: | ||
| Average total assets | $217,983,500 | 2,727 |
| Average earning assets | $204,286,500 | 2,703 |
| Average equity | $25,623,750 | 2,605 |
| Average total loans | $152,504,250 | 2,627 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1176% | 644 |
| Cost of funding earning assets | 0.2401% | 4,802 |
| Net interest margin | 4.8775% | 318 |
| Noninterest income to average assets | 0.9193% | 1,131 |
| Noninterest expense to average assets | 4.0130% | 522 |
| Loan and lease loss provision to assets | 0.2775% | 533 |
| Net operating income to assets | 1.1907% | 2,237 |
| Return on assets (ROA) | 1.2097% | 2,153 |
| Pretax return on assets | 1.2328% | 2,807 |
| Return on Equity (ROE) | 10.2278% | 2,464 |
| Retained earnings to average equity (ytd only) | 4.1208% | 3,549 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9121% | 1,862 |
| Assets per employee ($millions) | 3.7392% | 4,297 |
| Cash dividends to net income (ytd only)* | 59.7095% | 1,336 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 1,884 |
| Loan loss allowance to noncurrent loans | 72.6202% | 3,954 |
| Noncurrent assets plus other real estate owned to assets | 1.6692% | 742 |
| Noncurrent loans to loans | 1.8767% | 820 |
| Net loans and leases to total assets | 72.0502% | 2,266 |
| Net loans and leases to deposits | 82.1617% | 2,752 |
| Net loans and leases to core deposits | 85.2205% | 2,991 |
| Total domestic deposits to total assets | 87.6931% | 1,544 |
| Equity capital to assets | 11.8379% | 1,965 |
| Core capital (leverage) ratio | 12.2615% | 1,560 |
| Tier 1 risk-based capital ratio | 16.9111% | 2,127 |
| Total risk-based capital ratio | 18.1642% | 2,071 |
| Memoranda: | ||
| Average total assets | $216,249,000 | 2,756 |
| Average earning assets | $203,260,000 | 2,725 |
| Average equity | $25,577,330 | 2,622 |
| Average total loans | $148,299,000 | 2,685 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0661% | 616 |
| Cost of funding earning assets | 0.2332% | 4,811 |
| Net interest margin | 4.8330% | 324 |
| Noninterest income to average assets | 0.8539% | 1,284 |
| Noninterest expense to average assets | 4.1456% | 440 |
| Loan and lease loss provision to assets | 0.2779% | 490 |
| Net operating income to assets | 0.9392% | 3,112 |
| Return on assets (ROA) | 0.9392% | 3,129 |
| Pretax return on assets | 0.9614% | 3,661 |
| Return on Equity (ROE) | 7.9438% | 3,401 |
| Retained earnings to average equity (ytd only) | 1.2691% | 4,554 |
| Net charge-offs to loans | 0.0112% | 2,346 |
| Credit loss provision to net charge-offs | 3,750.0000% | 103 |
| Earnings coverage of net charge-offs (x) | 167.2500% | 387 |
| Efficiency ratio | 76.9866% | 1,464 |
| Assets per employee ($millions) | 3.8375% | 4,235 |
| Cash dividends to net income (ytd only)* | 84.0237% | 768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3777% | 1,927 |
| Loan loss allowance to noncurrent loans | 64.7401% | 4,112 |
| Noncurrent assets plus other real estate owned to assets | 2.3142% | 432 |
| Noncurrent loans to loans | 2.1281% | 726 |
| Net loans and leases to total assets | 65.6161% | 3,099 |
| Net loans and leases to deposits | 74.6043% | 3,354 |
| Net loans and leases to core deposits | 77.1226% | 3,561 |
| Total domestic deposits to total assets | 87.9521% | 1,643 |
| Equity capital to assets | 11.6218% | 2,045 |
| Core capital (leverage) ratio | 12.0198% | 1,640 |
| Tier 1 risk-based capital ratio | 17.4950% | 1,975 |
| Total risk-based capital ratio | 18.7483% | 1,931 |
| Memoranda: | ||
| Average total assets | $215,938,000 | 2,788 |
| Average earning assets | $202,443,500 | 2,762 |
| Average equity | $25,529,500 | 2,652 |
| Average total loans | $143,241,000 | 2,773 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5476% | 1,570 |
| Cost of funding earning assets | 0.2193% | 4,798 |
| Net interest margin | 4.3283% | 911 |
| Noninterest income to average assets | 0.9039% | 1,256 |
| Noninterest expense to average assets | 3.7684% | 725 |
| Loan and lease loss provision to assets | 0.0893% | 2,402 |
| Net operating income to assets | 1.0853% | 1,907 |
| Return on assets (ROA) | 1.0862% | 1,927 |
| Pretax return on assets | 1.1093% | 3,148 |
| Return on Equity (ROE) | 9.2114% | 2,206 |
| Retained earnings to average equity (ytd only) | 2.8403% | 3,614 |
| Net charge-offs to loans | 0.3592% | 704 |
| Credit loss provision to net charge-offs | 40.1247% | 3,438 |
| Earnings coverage of net charge-offs (x) | 5.3825% | 3,340 |
| Efficiency ratio | 75.8826% | 1,635 |
| Assets per employee ($millions) | 3.6748% | 4,475 |
| Cash dividends to net income (ytd only)* | 69.1652% | 1,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3189% | 2,121 |
| Loan loss allowance to noncurrent loans | 49.4152% | 4,509 |
| Noncurrent assets plus other real estate owned to assets | 2.5396% | 368 |
| Noncurrent loans to loans | 2.6690% | 472 |
| Net loans and leases to total assets | 65.2585% | 3,192 |
| Net loans and leases to deposits | 74.5374% | 3,471 |
| Net loans and leases to core deposits | 76.9408% | 3,669 |
| Total domestic deposits to total assets | 87.5514% | 1,731 |
| Equity capital to assets | 12.0287% | 1,812 |
| Core capital (leverage) ratio | 11.9250% | 1,649 |
| Tier 1 risk-based capital ratio | 17.8700% | 1,837 |
| Total risk-based capital ratio | 19.1223% | 1,786 |
| Memoranda: | ||
| Average total assets | $216,168,400 | 2,759 |
| Average earning assets | $202,875,600 | 2,742 |
| Average equity | $25,490,200 | 2,640 |
| Average total loans | $133,926,400 | 2,858 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4657% | 1,743 |
| Cost of funding earning assets | 0.2193% | 4,818 |
| Net interest margin | 4.2464% | 1,056 |
| Noninterest income to average assets | 0.9133% | 1,232 |
| Noninterest expense to average assets | 3.7345% | 734 |
| Loan and lease loss provision to assets | 0.0725% | 2,623 |
| Net operating income to assets | 1.0701% | 2,229 |
| Return on assets (ROA) | 1.0701% | 2,277 |
| Pretax return on assets | 1.0934% | 3,327 |
| Return on Equity (ROE) | 9.1198% | 2,541 |
| Retained earnings to average equity (ytd only) | 2.8758% | 4,194 |
| Net charge-offs to loans | 0.4691% | 443 |
| Credit loss provision to net charge-offs | 25.3763% | 3,113 |
| Earnings coverage of net charge-offs (x) | 4.0796% | 3,269 |
| Efficiency ratio | 76.2072% | 1,561 |
| Assets per employee ($millions) | 3.7723% | 4,334 |
| Cash dividends to net income (ytd only)* | 68.4661% | 1,027 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3438% | 2,147 |
| Loan loss allowance to noncurrent loans | 48.6486% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 2.4018% | 473 |
| Noncurrent loans to loans | 2.7622% | 502 |
| Net loans and leases to total assets | 60.4004% | 3,815 |
| Net loans and leases to deposits | 68.8914% | 4,044 |
| Net loans and leases to core deposits | 71.0477% | 4,184 |
| Total domestic deposits to total assets | 87.6748% | 1,531 |
| Equity capital to assets | 11.7882% | 2,120 |
| Core capital (leverage) ratio | 11.8225% | 1,801 |
| Tier 1 risk-based capital ratio | 18.6684% | 1,686 |
| Total risk-based capital ratio | 19.9208% | 1,633 |
| Memoranda: | ||
| Average total assets | $216,925,500 | 2,780 |
| Average earning assets | $203,682,250 | 2,753 |
| Average equity | $25,453,250 | 2,667 |
| Average total loans | $132,170,250 | 2,908 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3796% | 1,878 |
| Cost of funding earning assets | 0.2198% | 4,807 |
| Net interest margin | 4.1599% | 1,169 |
| Noninterest income to average assets | 0.9172% | 1,221 |
| Noninterest expense to average assets | 3.7355% | 733 |
| Loan and lease loss provision to assets | 0.0231% | 3,529 |
| Net operating income to assets | 1.0384% | 2,257 |
| Return on assets (ROA) | 1.0384% | 2,298 |
| Pretax return on assets | 1.0615% | 3,335 |
| Return on Equity (ROE) | 8.8633% | 2,575 |
| Retained earnings to average equity (ytd only) | 2.5888% | 4,145 |
| Net charge-offs to loans | 0.0912% | 1,699 |
| Credit loss provision to net charge-offs | 41.6667% | 2,630 |
| Earnings coverage of net charge-offs (x) | 19.5500% | 1,826 |
| Efficiency ratio | 77.4986% | 1,531 |
| Assets per employee ($millions) | 3.6222% | 4,544 |
| Cash dividends to net income (ytd only)* | 70.7925% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5767% | 1,319 |
| Loan loss allowance to noncurrent loans | 33.6306% | 4,909 |
| Noncurrent assets plus other real estate owned to assets | 3.6713% | 200 |
| Noncurrent loans to loans | 4.6882% | 174 |
| Net loans and leases to total assets | 60.6629% | 3,771 |
| Net loans and leases to deposits | 69.1547% | 3,973 |
| Net loans and leases to core deposits | 71.4526% | 4,129 |
| Total domestic deposits to total assets | 87.7206% | 1,608 |
| Equity capital to assets | 11.7916% | 2,080 |
| Core capital (leverage) ratio | 11.7637% | 1,788 |
| Tier 1 risk-based capital ratio | 18.3835% | 1,751 |
| Total risk-based capital ratio | 19.6386% | 1,711 |
| Memoranda: | ||
| Average total assets | $216,302,330 | 2,796 |
| Average earning assets | $202,939,330 | 2,778 |
| Average equity | $25,340,330 | 2,677 |
| Average total loans | $131,576,000 | 2,919 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2472% | 2,108 |
| Cost of funding earning assets | 0.2215% | 4,790 |
| Net interest margin | 4.0257% | 1,401 |
| Noninterest income to average assets | 0.9621% | 1,075 |
| Noninterest expense to average assets | 3.6369% | 847 |
| Loan and lease loss provision to assets | 0.0463% | 2,876 |
| Net operating income to assets | 1.0288% | 2,170 |
| Return on assets (ROA) | 1.0288% | 2,221 |
| Pretax return on assets | 1.0529% | 3,162 |
| Return on Equity (ROE) | 8.8106% | 2,505 |
| Retained earnings to average equity (ytd only) | 2.3654% | 4,194 |
| Net charge-offs to loans | 0.0706% | 1,623 |
| Credit loss provision to net charge-offs | 108.6957% | 1,484 |
| Earnings coverage of net charge-offs (x) | 25.7826% | 1,327 |
| Efficiency ratio | 76.7906% | 1,788 |
| Assets per employee ($millions) | 3.7127% | 4,486 |
| Cash dividends to net income (ytd only)* | 73.1532% | 1,099 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6522% | 1,243 |
| Loan loss allowance to noncurrent loans | 32.4720% | 5,003 |
| Noncurrent assets plus other real estate owned to assets | 3.7950% | 210 |
| Noncurrent loans to loans | 5.0880% | 157 |
| Net loans and leases to total assets | 58.3985% | 3,936 |
| Net loans and leases to deposits | 66.3572% | 4,141 |
| Net loans and leases to core deposits | 68.8134% | 4,233 |
| Total domestic deposits to total assets | 88.0064% | 1,710 |
| Equity capital to assets | 11.5617% | 2,144 |
| Core capital (leverage) ratio | 11.7349% | 1,799 |
| Tier 1 risk-based capital ratio | 18.7835% | 1,667 |
| Total risk-based capital ratio | 20.0399% | 1,623 |
| Memoranda: | ||
| Average total assets | $215,787,500 | 2,827 |
| Average earning assets | $202,299,500 | 2,808 |
| Average equity | $25,197,000 | 2,700 |
| Average total loans | $130,388,000 | 2,948 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4030% | 1,807 |
| Cost of funding earning assets | 0.2251% | 4,784 |
| Net interest margin | 4.1779% | 1,172 |
| Noninterest income to average assets | 0.8955% | 1,425 |
| Noninterest expense to average assets | 3.7048% | 875 |
| Loan and lease loss provision to assets | 0.1584% | 1,568 |
| Net operating income to assets | 0.9230% | 2,707 |
| Return on assets (ROA) | 0.9230% | 2,828 |
| Pretax return on assets | 0.9511% | 3,654 |
| Return on Equity (ROE) | 7.8635% | 3,018 |
| Retained earnings to average equity (ytd only) | 2.3638% | 4,179 |
| Net charge-offs to loans | 0.1132% | 2,130 |
| Credit loss provision to net charge-offs | 233.7931% | 1,233 |
| Earnings coverage of net charge-offs (x) | 16.3793% | 2,116 |
| Efficiency ratio | 76.9552% | 1,855 |
| Assets per employee ($millions) | 3.5421% | 4,694 |
| Cash dividends to net income (ytd only)* | 69.9393% | 1,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6426% | 1,276 |
| Loan loss allowance to noncurrent loans | 30.4928% | 5,070 |
| Noncurrent assets plus other real estate owned to assets | 4.1793% | 177 |
| Noncurrent loans to loans | 5.3869% | 136 |
| Net loans and leases to total assets | 60.4908% | 3,794 |
| Net loans and leases to deposits | 68.9445% | 4,014 |
| Net loans and leases to core deposits | 71.5858% | 4,106 |
| Total domestic deposits to total assets | 87.7384% | 1,775 |
| Equity capital to assets | 11.7953% | 1,937 |
| Core capital (leverage) ratio | 11.6910% | 1,795 |
| Tier 1 risk-based capital ratio | 18.5031% | 1,728 |
| Total risk-based capital ratio | 19.7591% | 1,692 |
| Memoranda: | ||
| Average total assets | $214,074,800 | 2,812 |
| Average earning assets | $200,796,000 | 2,779 |
| Average equity | $25,128,800 | 2,706 |
| Average total loans | $128,039,200 | 2,952 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4250% | 1,776 |
| Cost of funding earning assets | 0.2260% | 4,829 |
| Net interest margin | 4.1991% | 1,118 |
| Noninterest income to average assets | 0.8946% | 1,425 |
| Noninterest expense to average assets | 3.7625% | 783 |
| Loan and lease loss provision to assets | 0.1772% | 1,264 |
| Net operating income to assets | 0.8660% | 3,070 |
| Return on assets (ROA) | 0.8660% | 3,194 |
| Pretax return on assets | 0.8940% | 3,995 |
| Return on Equity (ROE) | 7.3866% | 3,361 |
| Retained earnings to average equity (ytd only) | 1.7022% | 4,827 |
| Net charge-offs to loans | -0.0272% | 5,123 |
| Credit loss provision to net charge-offs | -1,096.1538% | 5,228 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8392% | 1,708 |
| Assets per employee ($millions) | 3.5603% | 4,703 |
| Cash dividends to net income (ytd only)* | 76.9562% | 821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7676% | 1,073 |
| Loan loss allowance to noncurrent loans | 46.6900% | 4,825 |
| Noncurrent assets plus other real estate owned to assets | 3.1195% | 356 |
| Noncurrent loans to loans | 3.7859% | 313 |
| Net loans and leases to total assets | 57.9321% | 4,101 |
| Net loans and leases to deposits | 66.0661% | 4,337 |
| Net loans and leases to core deposits | 68.7532% | 4,412 |
| Total domestic deposits to total assets | 87.6881% | 1,562 |
| Equity capital to assets | 11.7253% | 2,319 |
| Core capital (leverage) ratio | 11.5945% | 1,963 |
| Tier 1 risk-based capital ratio | 18.6044% | 1,764 |
| Total risk-based capital ratio | 19.8618% | 1,724 |
| Memoranda: | ||
| Average total assets | $214,462,250 | 2,816 |
| Average earning assets | $201,183,250 | 2,790 |
| Average equity | $25,144,000 | 2,721 |
| Average total loans | $127,372,750 | 2,961 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4882% | 1,553 |
| Cost of funding earning assets | 0.2299% | 4,851 |
| Net interest margin | 4.2583% | 1,001 |
| Noninterest income to average assets | 0.8429% | 1,574 |
| Noninterest expense to average assets | 3.7377% | 832 |
| Loan and lease loss provision to assets | 0.1967% | 1,097 |
| Net operating income to assets | 0.8700% | 3,006 |
| Return on assets (ROA) | 0.8700% | 3,120 |
| Pretax return on assets | 0.8981% | 3,960 |
| Return on Equity (ROE) | 7.4210% | 3,306 |
| Retained earnings to average equity (ytd only) | 1.0784% | 4,955 |
| Net charge-offs to loans | -0.0881% | 5,575 |
| Credit loss provision to net charge-offs | -375.0000% | 4,861 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3450% | 1,878 |
| Assets per employee ($millions) | 3.4676% | 4,804 |
| Cash dividends to net income (ytd only)* | 85.4682% | 779 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7452% | 1,184 |
| Loan loss allowance to noncurrent loans | 52.8208% | 4,737 |
| Noncurrent assets plus other real estate owned to assets | 3.0289% | 400 |
| Noncurrent loans to loans | 3.3040% | 417 |
| Net loans and leases to total assets | 59.0604% | 4,003 |
| Net loans and leases to deposits | 67.5100% | 4,225 |
| Net loans and leases to core deposits | 70.3380% | 4,297 |
| Total domestic deposits to total assets | 87.4838% | 1,673 |
| Equity capital to assets | 11.9541% | 2,161 |
| Core capital (leverage) ratio | 11.5659% | 1,940 |
| Tier 1 risk-based capital ratio | 18.6832% | 1,759 |
| Total risk-based capital ratio | 19.9403% | 1,721 |
| Memoranda: | ||
| Average total assets | $213,556,330 | 2,847 |
| Average earning assets | $200,082,000 | 2,812 |
| Average equity | $25,037,000 | 2,738 |
| Average total loans | $127,136,670 | 2,983 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6730% | 1,104 |
| Cost of funding earning assets | 0.2327% | 4,876 |
| Net interest margin | 4.4403% | 685 |
| Noninterest income to average assets | 0.8370% | 1,489 |
| Noninterest expense to average assets | 3.7153% | 877 |
| Loan and lease loss provision to assets | 0.2517% | 698 |
| Net operating income to assets | 1.0048% | 2,255 |
| Return on assets (ROA) | 1.0048% | 2,372 |
| Pretax return on assets | 1.0328% | 3,349 |
| Return on Equity (ROE) | 8.6543% | 2,579 |
| Retained earnings to average equity (ytd only) | 1.6377% | 4,617 |
| Net charge-offs to loans | -0.0661% | 5,465 |
| Credit loss provision to net charge-offs | -642.8571% | 4,627 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3102% | 2,425 |
| Assets per employee ($millions) | 3.5676% | 4,708 |
| Cash dividends to net income (ytd only)* | 81.0761% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6830% | 1,407 |
| Loan loss allowance to noncurrent loans | 53.5279% | 4,744 |
| Noncurrent assets plus other real estate owned to assets | 2.8255% | 475 |
| Noncurrent loans to loans | 3.1442% | 497 |
| Net loans and leases to total assets | 56.6113% | 4,183 |
| Net loans and leases to deposits | 64.3754% | 4,406 |
| Net loans and leases to core deposits | 67.3425% | 4,447 |
| Total domestic deposits to total assets | 87.9394% | 1,675 |
| Equity capital to assets | 11.5602% | 2,385 |
| Core capital (leverage) ratio | 11.5230% | 1,957 |
| Tier 1 risk-based capital ratio | 18.9293% | 1,751 |
| Total risk-based capital ratio | 20.1855% | 1,713 |
| Memoranda: | ||
| Average total assets | $214,571,500 | 2,837 |
| Average earning assets | $201,156,000 | 2,809 |
| Average equity | $24,912,500 | 2,751 |
| Average total loans | $127,131,500 | 2,984 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3572% | 2,035 |
| Cost of funding earning assets | 0.2416% | 4,871 |
| Net interest margin | 4.1156% | 1,375 |
| Noninterest income to average assets | 0.9085% | 1,418 |
| Noninterest expense to average assets | 3.7309% | 942 |
| Loan and lease loss provision to assets | 0.0240% | 3,907 |
| Net operating income to assets | 0.9622% | 2,565 |
| Return on assets (ROA) | 0.9622% | 2,641 |
| Pretax return on assets | 0.9910% | 3,509 |
| Return on Equity (ROE) | 8.2156% | 2,830 |
| Retained earnings to average equity (ytd only) | 2.5162% | 4,281 |
| Net charge-offs to loans | 0.1115% | 2,260 |
| Credit loss provision to net charge-offs | 35.7143% | 3,582 |
| Earnings coverage of net charge-offs (x) | 15.1286% | 2,225 |
| Efficiency ratio | 78.6147% | 1,871 |
| Assets per employee ($millions) | 3.5253% | 4,794 |
| Cash dividends to net income (ytd only)* | 69.3725% | 1,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5145% | 1,938 |
| Loan loss allowance to noncurrent loans | 49.1940% | 4,901 |
| Noncurrent assets plus other real estate owned to assets | 2.8830% | 468 |
| Noncurrent loans to loans | 3.0786% | 507 |
| Net loans and leases to total assets | 60.0425% | 3,833 |
| Net loans and leases to deposits | 68.3365% | 4,101 |
| Net loans and leases to core deposits | 71.4664% | 4,180 |
| Total domestic deposits to total assets | 87.8629% | 1,711 |
| Equity capital to assets | 11.6619% | 2,220 |
| Core capital (leverage) ratio | 11.6229% | 1,875 |
| Tier 1 risk-based capital ratio | 18.2471% | 1,897 |
| Total risk-based capital ratio | 19.5011% | 1,860 |
| Memoranda: | ||
| Average total assets | $208,688,000 | 2,864 |
| Average earning assets | $194,574,400 | 2,833 |
| Average equity | $24,441,200 | 2,738 |
| Average total loans | $125,567,800 | 2,961 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3315% | 2,134 |
| Cost of funding earning assets | 0.2437% | 4,953 |
| Net interest margin | 4.0878% | 1,439 |
| Noninterest income to average assets | 0.8725% | 1,538 |
| Noninterest expense to average assets | 3.7727% | 887 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8776% | 3,049 |
| Return on assets (ROA) | 0.8776% | 3,133 |
| Pretax return on assets | 0.9065% | 3,965 |
| Return on Equity (ROE) | 7.4854% | 3,345 |
| Retained earnings to average equity (ytd only) | 1.8208% | 4,967 |
| Net charge-offs to loans | 0.1315% | 1,820 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 11.4957% | 2,481 |
| Efficiency ratio | 80.6275% | 1,563 |
| Assets per employee ($millions) | 3.4870% | 4,811 |
| Cash dividends to net income (ytd only)* | 75.6756% | 843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5128% | 2,105 |
| Loan loss allowance to noncurrent loans | 48.7557% | 4,983 |
| Noncurrent assets plus other real estate owned to assets | 3.1493% | 457 |
| Noncurrent loans to loans | 3.1028% | 554 |
| Net loans and leases to total assets | 59.7448% | 3,911 |
| Net loans and leases to deposits | 68.2486% | 4,169 |
| Net loans and leases to core deposits | 71.6300% | 4,219 |
| Total domestic deposits to total assets | 87.5399% | 1,781 |
| Equity capital to assets | 11.8153% | 2,249 |
| Core capital (leverage) ratio | 11.6603% | 1,913 |
| Tier 1 risk-based capital ratio | 18.3542% | 1,938 |
| Total risk-based capital ratio | 19.6089% | 1,899 |
| Memoranda: | ||
| Average total assets | $207,980,750 | 2,895 |
| Average earning assets | $193,678,000 | 2,879 |
| Average equity | $24,384,750 | 2,767 |
| Average total loans | $124,721,500 | 3,000 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3285% | 2,089 |
| Cost of funding earning assets | 0.2453% | 4,992 |
| Net interest margin | 4.0832% | 1,398 |
| Noninterest income to average assets | 0.8566% | 1,582 |
| Noninterest expense to average assets | 3.7674% | 909 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.8614% | 3,075 |
| Return on assets (ROA) | 0.8614% | 3,177 |
| Pretax return on assets | 0.8903% | 3,990 |
| Return on Equity (ROE) | 7.3662% | 3,395 |
| Retained earnings to average equity (ytd only) | 1.7221% | 4,836 |
| Net charge-offs to loans | 0.1661% | 1,473 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 8.9709% | 2,503 |
| Efficiency ratio | 80.8854% | 1,635 |
| Assets per employee ($millions) | 3.2503% | 5,248 |
| Cash dividends to net income (ytd only)* | 76.6219% | 1,005 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5411% | 2,109 |
| Loan loss allowance to noncurrent loans | 46.9279% | 5,083 |
| Noncurrent assets plus other real estate owned to assets | 3.3415% | 445 |
| Noncurrent loans to loans | 3.2839% | 562 |
| Net loans and leases to total assets | 59.5831% | 3,893 |
| Net loans and leases to deposits | 67.9197% | 4,143 |
| Net loans and leases to core deposits | 71.1936% | 4,206 |
| Total domestic deposits to total assets | 87.7258% | 1,783 |
| Equity capital to assets | 11.6949% | 2,255 |
| Core capital (leverage) ratio | 11.5408% | 1,963 |
| Tier 1 risk-based capital ratio | 18.1236% | 2,032 |
| Total risk-based capital ratio | 19.3777% | 1,989 |
| Memoranda: | ||
| Average total assets | $207,567,670 | 2,917 |
| Average earning assets | $193,230,670 | 2,899 |
| Average equity | $24,273,000 | 2,776 |
| Average total loans | $123,989,330 | 3,020 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2930% | 2,122 |
| Cost of funding earning assets | 0.2508% | 5,015 |
| Net interest margin | 4.0422% | 1,434 |
| Noninterest income to average assets | 0.8180% | 1,642 |
| Noninterest expense to average assets | 3.7311% | 963 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8199% | 3,158 |
| Return on assets (ROA) | 0.8199% | 3,285 |
| Pretax return on assets | 0.8488% | 4,065 |
| Return on Equity (ROE) | 7.0116% | 3,501 |
| Retained earnings to average equity (ytd only) | 0.9734% | 5,078 |
| Net charge-offs to loans | 0.2016% | 1,127 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 7.0968% | 2,206 |
| Efficiency ratio | 81.4659% | 1,693 |
| Assets per employee ($millions) | 3.2773% | 5,278 |
| Cash dividends to net income (ytd only)* | 86.1176% | 879 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6025% | 2,043 |
| Loan loss allowance to noncurrent loans | 60.3595% | 4,705 |
| Noncurrent assets plus other real estate owned to assets | 2.9717% | 637 |
| Noncurrent loans to loans | 2.6550% | 894 |
| Net loans and leases to total assets | 57.9931% | 3,945 |
| Net loans and leases to deposits | 66.0292% | 4,148 |
| Net loans and leases to core deposits | 69.2773% | 4,226 |
| Total domestic deposits to total assets | 87.8294% | 1,913 |
| Equity capital to assets | 11.6652% | 2,328 |
| Core capital (leverage) ratio | 11.5039% | 2,002 |
| Tier 1 risk-based capital ratio | 18.3948% | 2,036 |
| Total risk-based capital ratio | 19.6493% | 1,985 |
| Memoranda: | ||
| Average total assets | $207,340,500 | 2,939 |
| Average earning assets | $192,965,000 | 2,918 |
| Average equity | $24,245,500 | 2,806 |
| Average total loans | $123,041,000 | 3,034 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3534% | 2,394 |
| Cost of funding earning assets | 0.2717% | 5,074 |
| Net interest margin | 4.0818% | 1,643 |
| Noninterest income to average assets | 0.8689% | 1,609 |
| Noninterest expense to average assets | 3.7834% | 1,008 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8714% | 3,010 |
| Return on assets (ROA) | 0.8714% | 3,099 |
| Pretax return on assets | 0.8714% | 3,995 |
| Return on Equity (ROE) | 7.5951% | 3,327 |
| Retained earnings to average equity (ytd only) | 3.4628% | 3,743 |
| Net charge-offs to loans | 0.2999% | 1,469 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 4.9610% | 3,532 |
| Efficiency ratio | 81.2802% | 1,738 |
| Assets per employee ($millions) | 3.1051% | 5,560 |
| Cash dividends to net income (ytd only)* | 54.4076% | 2,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6682% | 1,872 |
| Loan loss allowance to noncurrent loans | 60.9851% | 4,783 |
| Noncurrent assets plus other real estate owned to assets | 3.1190% | 630 |
| Noncurrent loans to loans | 2.7355% | 889 |
| Net loans and leases to total assets | 58.7600% | 3,952 |
| Net loans and leases to deposits | 66.9463% | 4,222 |
| Net loans and leases to core deposits | 70.3217% | 4,297 |
| Total domestic deposits to total assets | 87.7719% | 1,885 |
| Equity capital to assets | 11.7226% | 2,236 |
| Core capital (leverage) ratio | 11.5228% | 1,961 |
| Tier 1 risk-based capital ratio | 19.2396% | 1,784 |
| Total risk-based capital ratio | 20.4962% | 1,751 |
| Memoranda: | ||
| Average total assets | $204,392,400 | 2,943 |
| Average earning assets | $189,574,400 | 2,909 |
| Average equity | $23,449,400 | 2,807 |
| Average total loans | $119,715,200 | 3,049 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3329% | 2,486 |
| Cost of funding earning assets | 0.2746% | 5,158 |
| Net interest margin | 4.0584% | 1,695 |
| Noninterest income to average assets | 0.8284% | 1,784 |
| Noninterest expense to average assets | 3.8147% | 954 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7761% | 3,529 |
| Return on assets (ROA) | 0.7761% | 3,637 |
| Pretax return on assets | 0.7761% | 4,447 |
| Return on Equity (ROE) | 6.8021% | 3,806 |
| Retained earnings to average equity (ytd only) | 3.2666% | 4,301 |
| Net charge-offs to loans | 0.1367% | 2,430 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 9.7460% | 2,630 |
| Efficiency ratio | 83.0940% | 1,482 |
| Assets per employee ($millions) | 3.2057% | 5,417 |
| Cash dividends to net income (ytd only)* | 51.9766% | 1,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8721% | 1,523 |
| Loan loss allowance to noncurrent loans | 73.5247% | 4,374 |
| Noncurrent assets plus other real estate owned to assets | 3.0839% | 749 |
| Noncurrent loans to loans | 2.5462% | 1,141 |
| Net loans and leases to total assets | 57.3537% | 4,157 |
| Net loans and leases to deposits | 65.1595% | 4,417 |
| Net loans and leases to core deposits | 68.3776% | 4,472 |
| Total domestic deposits to total assets | 88.0205% | 1,757 |
| Equity capital to assets | 11.3513% | 2,628 |
| Core capital (leverage) ratio | 11.4181% | 2,129 |
| Tier 1 risk-based capital ratio | 19.1700% | 1,869 |
| Total risk-based capital ratio | 20.4292% | 1,832 |
| Memoranda: | ||
| Average total assets | $204,256,250 | 2,965 |
| Average earning assets | $189,366,000 | 2,940 |
| Average equity | $23,305,750 | 2,826 |
| Average total loans | $119,028,000 | 3,075 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3220% | 2,514 |
| Cost of funding earning assets | 0.2788% | 5,206 |
| Net interest margin | 4.0431% | 1,684 |
| Noninterest income to average assets | 0.7837% | 1,905 |
| Noninterest expense to average assets | 3.8416% | 920 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.6871% | 3,911 |
| Return on assets (ROA) | 0.6871% | 4,003 |
| Pretax return on assets | 0.6871% | 4,687 |
| Return on Equity (ROE) | 6.0112% | 4,144 |
| Retained earnings to average equity (ytd only) | 3.2687% | 4,127 |
| Net charge-offs to loans | 0.1897% | 1,891 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 6.2232% | 2,803 |
| Efficiency ratio | 84.8280% | 1,408 |
| Assets per employee ($millions) | 3.0940% | 5,606 |
| Cash dividends to net income (ytd only)* | 45.6241% | 2,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9805% | 1,396 |
| Loan loss allowance to noncurrent loans | 62.1776% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 3.6208% | 632 |
| Noncurrent loans to loans | 3.1852% | 891 |
| Net loans and leases to total assets | 54.6732% | 4,452 |
| Net loans and leases to deposits | 62.0391% | 4,693 |
| Net loans and leases to core deposits | 65.2267% | 4,713 |
| Total domestic deposits to total assets | 88.1269% | 1,833 |
| Equity capital to assets | 11.3125% | 2,596 |
| Core capital (leverage) ratio | 11.4783% | 2,019 |
| Tier 1 risk-based capital ratio | 19.5985% | 1,783 |
| Total risk-based capital ratio | 20.8586% | 1,753 |
| Memoranda: | ||
| Average total assets | $202,884,330 | 2,999 |
| Average earning assets | $187,923,330 | 2,981 |
| Average equity | $23,190,000 | 2,830 |
| Average total loans | $118,107,670 | 3,097 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3819% | 2,212 |
| Cost of funding earning assets | 0.2824% | 5,255 |
| Net interest margin | 4.0995% | 1,452 |
| Noninterest income to average assets | 0.7594% | 1,916 |
| Noninterest expense to average assets | 3.8749% | 893 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6757% | 3,813 |
| Return on assets (ROA) | 0.6757% | 3,897 |
| Pretax return on assets | 0.6757% | 4,571 |
| Return on Equity (ROE) | 5.8804% | 4,083 |
| Retained earnings to average equity (ytd only) | 5.8804% | 2,605 |
| Net charge-offs to loans | 0.0201% | 3,185 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 56.5000% | 688 |
| Efficiency ratio | 85.1511% | 1,527 |
| Assets per employee ($millions) | 3.0714% | 5,739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0204% | 1,479 |
| Loan loss allowance to noncurrent loans | 57.6932% | 4,924 |
| Noncurrent assets plus other real estate owned to assets | 3.8715% | 634 |
| Noncurrent loans to loans | 3.5020% | 833 |
| Net loans and leases to total assets | 57.3205% | 3,949 |
| Net loans and leases to deposits | 65.1281% | 4,189 |
| Net loans and leases to core deposits | 68.6577% | 4,240 |
| Total domestic deposits to total assets | 88.0120% | 2,232 |
| Equity capital to assets | 11.4863% | 2,262 |
| Core capital (leverage) ratio | 11.6298% | 1,878 |
| Tier 1 risk-based capital ratio | 19.2064% | 1,905 |
| Total risk-based capital ratio | 20.4656% | 1,865 |
| Memoranda: | ||
| Average total assets | $200,676,000 | 3,040 |
| Average earning assets | $185,583,500 | 3,026 |
| Average equity | $23,059,500 | 2,842 |
| Average total loans | $119,347,500 | 3,083 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4481% | 2,400 |
| Cost of funding earning assets | 0.3317% | 5,309 |
| Net interest margin | 4.1163% | 1,604 |
| Noninterest income to average assets | 0.8002% | 2,080 |
| Noninterest expense to average assets | 3.8025% | 1,131 |
| Loan and lease loss provision to assets | 0.0494% | 4,143 |
| Net operating income to assets | 0.7513% | 3,543 |
| Return on assets (ROA) | 0.7513% | 3,639 |
| Pretax return on assets | 0.7513% | 4,335 |
| Return on Equity (ROE) | 6.8897% | 3,626 |
| Retained earnings to average equity (ytd only) | 6.8897% | 1,482 |
| Net charge-offs to loans | 0.1490% | 3,314 |
| Credit loss provision to net charge-offs | 56.1111% | 3,672 |
| Earnings coverage of net charge-offs (x) | 9.1000% | 2,558 |
| Efficiency ratio | 82.6059% | 1,797 |
| Assets per employee ($millions) | 3.1038% | 5,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9999% | 1,553 |
| Loan loss allowance to noncurrent loans | 63.1939% | 4,751 |
| Noncurrent assets plus other real estate owned to assets | 4.2061% | 617 |
| Noncurrent loans to loans | 3.1648% | 1,081 |
| Net loans and leases to total assets | 59.2536% | 3,834 |
| Net loans and leases to deposits | 67.3680% | 4,136 |
| Net loans and leases to core deposits | 70.9561% | 4,194 |
| Total domestic deposits to total assets | 87.9552% | 2,200 |
| Equity capital to assets | 11.4956% | 2,166 |
| Core capital (leverage) ratio | 11.2812% | 2,138 |
| Tier 1 risk-based capital ratio | 18.6970% | 2,012 |
| Total risk-based capital ratio | 19.9573% | 1,971 |
| Memoranda: | ||
| Average total assets | $204,578,000 | 2,975 |
| Average earning assets | $189,002,800 | 2,963 |
| Average equity | $22,308,600 | 2,891 |
| Average total loans | $120,831,400 | 3,018 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4365% | 2,474 |
| Cost of funding earning assets | 0.3400% | 5,382 |
| Net interest margin | 4.0965% | 1,643 |
| Noninterest income to average assets | 0.7519% | 2,363 |
| Noninterest expense to average assets | 3.8013% | 1,078 |
| Loan and lease loss provision to assets | 0.0789% | 3,481 |
| Net operating income to assets | 0.6606% | 4,063 |
| Return on assets (ROA) | 0.6606% | 4,200 |
| Pretax return on assets | 0.6606% | 4,822 |
| Return on Equity (ROE) | 6.1383% | 4,112 |
| Retained earnings to average equity (ytd only) | 6.1383% | 2,320 |
| Net charge-offs to loans | 0.1719% | 2,849 |
| Credit loss provision to net charge-offs | 78.2051% | 2,889 |
| Earnings coverage of net charge-offs (x) | 7.3271% | 2,811 |
| Efficiency ratio | 83.7133% | 1,641 |
| Assets per employee ($millions) | 3.1451% | 5,594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0196% | 1,677 |
| Loan loss allowance to noncurrent loans | 43.0280% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 4.7449% | 614 |
| Noncurrent loans to loans | 4.6938% | 671 |
| Net loans and leases to total assets | 58.9769% | 3,856 |
| Net loans and leases to deposits | 66.8292% | 4,198 |
| Net loans and leases to core deposits | 70.3236% | 4,290 |
| Total domestic deposits to total assets | 88.2502% | 1,967 |
| Equity capital to assets | 11.0990% | 2,667 |
| Core capital (leverage) ratio | 11.1953% | 2,310 |
| Tier 1 risk-based capital ratio | 18.2536% | 2,228 |
| Total risk-based capital ratio | 19.5153% | 2,188 |
| Memoranda: | ||
| Average total assets | $206,062,250 | 2,976 |
| Average earning assets | $190,597,500 | 2,966 |
| Average equity | $22,177,000 | 2,943 |
| Average total loans | $121,013,250 | 3,038 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3774% | 2,648 |
| Cost of funding earning assets | 0.3523% | 5,385 |
| Net interest margin | 4.0251% | 1,776 |
| Noninterest income to average assets | 0.7175% | 2,559 |
| Noninterest expense to average assets | 3.7495% | 1,165 |
| Loan and lease loss provision to assets | 0.1127% | 2,931 |
| Net operating income to assets | 0.5750% | 4,420 |
| Return on assets (ROA) | 0.5750% | 4,595 |
| Pretax return on assets | 0.5750% | 5,114 |
| Return on Equity (ROE) | 5.3973% | 4,518 |
| Retained earnings to average equity (ytd only) | 5.3973% | 2,814 |
| Net charge-offs to loans | 0.2662% | 2,143 |
| Credit loss provision to net charge-offs | 72.6708% | 2,771 |
| Earnings coverage of net charge-offs (x) | 4.4348% | 3,132 |
| Efficiency ratio | 84.5018% | 1,578 |
| Assets per employee ($millions) | 3.1576% | 5,571 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0291% | 1,791 |
| Loan loss allowance to noncurrent loans | 48.7497% | 5,256 |
| Noncurrent assets plus other real estate owned to assets | 4.7297% | 672 |
| Noncurrent loans to loans | 4.1622% | 909 |
| Net loans and leases to total assets | 58.2270% | 3,950 |
| Net loans and leases to deposits | 65.7099% | 4,299 |
| Net loans and leases to core deposits | 69.2389% | 4,360 |
| Total domestic deposits to total assets | 88.6122% | 1,840 |
| Equity capital to assets | 10.8311% | 2,918 |
| Core capital (leverage) ratio | 10.6871% | 2,683 |
| Tier 1 risk-based capital ratio | 18.1188% | 2,281 |
| Total risk-based capital ratio | 19.3795% | 2,235 |
| Memoranda: | ||
| Average total assets | $207,653,330 | 2,973 |
| Average earning assets | $191,894,670 | 2,968 |
| Average equity | $22,122,330 | 2,968 |
| Average total loans | $120,964,000 | 3,052 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3091% | 2,859 |
| Cost of funding earning assets | 0.3685% | 5,384 |
| Net interest margin | 3.9406% | 1,974 |
| Noninterest income to average assets | 0.7014% | 2,581 |
| Noninterest expense to average assets | 3.6895% | 1,263 |
| Loan and lease loss provision to assets | 0.1749% | 2,121 |
| Net operating income to assets | 0.4752% | 4,795 |
| Return on assets (ROA) | 0.4752% | 4,961 |
| Pretax return on assets | 0.4752% | 5,341 |
| Return on Equity (ROE) | 4.4965% | 4,847 |
| Retained earnings to average equity (ytd only) | 4.4965% | 3,534 |
| Net charge-offs to loans | 0.5140% | 1,172 |
| Credit loss provision to net charge-offs | 58.9744% | 2,471 |
| Earnings coverage of net charge-offs (x) | 2.1923% | 3,104 |
| Efficiency ratio | 85.0197% | 1,637 |
| Assets per employee ($millions) | 3.2531% | 5,536 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0200% | 1,989 |
| Loan loss allowance to noncurrent loans | 38.4811% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 5.0641% | 720 |
| Noncurrent loans to loans | 5.2493% | 714 |
| Net loans and leases to total assets | 55.4438% | 4,178 |
| Net loans and leases to deposits | 62.3440% | 4,494 |
| Net loans and leases to core deposits | 65.5213% | 4,590 |
| Total domestic deposits to total assets | 88.9321% | 1,719 |
| Equity capital to assets | 10.5595% | 3,479 |
| Core capital (leverage) ratio | 10.1968% | 3,154 |
| Tier 1 risk-based capital ratio | 17.8376% | 2,433 |
| Total risk-based capital ratio | 19.0986% | 2,391 |
| Memoranda: | ||
| Average total assets | $210,437,500 | 2,977 |
| Average earning assets | $194,285,000 | 2,966 |
| Average equity | $22,239,500 | 3,001 |
| Average total loans | $121,393,500 | 3,056 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6645% | 2,734 |
| Cost of funding earning assets | 0.5668% | 4,673 |
| Net interest margin | 4.0977% | 2,015 |
| Noninterest income to average assets | 0.7066% | 2,690 |
| Noninterest expense to average assets | 3.9590% | 1,020 |
| Loan and lease loss provision to assets | 1.1322% | 321 |
| Net operating income to assets | -0.6285% | 6,625 |
| Return on assets (ROA) | -0.6285% | 6,654 |
| Pretax return on assets | -0.6285% | 6,629 |
| Return on Equity (ROE) | -6.0889% | 6,631 |
| Retained earnings to average equity (ytd only) | -6.0889% | 6,487 |
| Net charge-offs to loans | 2.0701% | 351 |
| Credit loss provision to net charge-offs | 92.5459% | 3,370 |
| Earnings coverage of net charge-offs (x) | 0.4117% | 5,278 |
| Efficiency ratio | 88.7142% | 1,172 |
| Assets per employee ($millions) | 3.2219% | 5,577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0149% | 1,981 |
| Loan loss allowance to noncurrent loans | 37.3757% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 5.4010% | 699 |
| Noncurrent loans to loans | 5.3909% | 692 |
| Net loans and leases to total assets | 57.6116% | 4,041 |
| Net loans and leases to deposits | 64.8543% | 4,449 |
| Net loans and leases to core deposits | 68.3226% | 4,503 |
| Total domestic deposits to total assets | 88.8323% | 1,686 |
| Equity capital to assets | 10.5771% | 3,430 |
| Core capital (leverage) ratio | 10.2719% | 3,047 |
| Tier 1 risk-based capital ratio | 17.1747% | 2,573 |
| Total risk-based capital ratio | 18.4346% | 2,539 |
| Memoranda: | ||
| Average total assets | $213,840,000 | 2,894 |
| Average earning assets | $196,012,200 | 2,881 |
| Average equity | $22,072,800 | 2,965 |
| Average total loans | $126,372,600 | 2,943 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7308% | 2,669 |
| Cost of funding earning assets | 0.6197% | 4,452 |
| Net interest margin | 4.1111% | 2,051 |
| Noninterest income to average assets | 0.6799% | 2,814 |
| Noninterest expense to average assets | 4.0531% | 869 |
| Loan and lease loss provision to assets | 1.4161% | 228 |
| Net operating income to assets | -1.0241% | 6,866 |
| Return on assets (ROA) | -1.0241% | 6,894 |
| Pretax return on assets | -1.0241% | 6,871 |
| Return on Equity (ROE) | -9.9817% | 6,860 |
| Retained earnings to average equity (ytd only) | -9.9817% | 6,813 |
| Net charge-offs to loans | 2.6481% | 229 |
| Credit loss provision to net charge-offs | 90.3800% | 3,280 |
| Earnings coverage of net charge-offs (x) | 0.2502% | 5,202 |
| Efficiency ratio | 91.1806% | 949 |
| Assets per employee ($millions) | 3.2731% | 5,496 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9655% | 2,273 |
| Loan loss allowance to noncurrent loans | 46.3340% | 5,322 |
| Noncurrent assets plus other real estate owned to assets | 5.8336% | 707 |
| Noncurrent loans to loans | 4.2419% | 1,154 |
| Net loans and leases to total assets | 57.0409% | 4,289 |
| Net loans and leases to deposits | 64.0879% | 4,705 |
| Net loans and leases to core deposits | 68.0035% | 4,724 |
| Total domestic deposits to total assets | 89.0040% | 1,420 |
| Equity capital to assets | 10.3003% | 4,076 |
| Core capital (leverage) ratio | 9.9163% | 3,673 |
| Tier 1 risk-based capital ratio | 16.6442% | 2,921 |
| Total risk-based capital ratio | 17.9043% | 2,885 |
| Memoranda: | ||
| Average total assets | $214,943,750 | 2,918 |
| Average earning assets | $196,861,750 | 2,903 |
| Average equity | $22,053,250 | 2,988 |
| Average total loans | $127,182,250 | 2,967 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7744% | 2,609 |
| Cost of funding earning assets | 0.6790% | 4,187 |
| Net interest margin | 4.0954% | 2,116 |
| Noninterest income to average assets | 0.6055% | 3,223 |
| Noninterest expense to average assets | 4.0589% | 881 |
| Loan and lease loss provision to assets | 2.0141% | 141 |
| Net operating income to assets | -1.7146% | 7,041 |
| Return on assets (ROA) | -1.7146% | 7,056 |
| Pretax return on assets | -1.7146% | 7,035 |
| Return on Equity (ROE) | -16.7333% | 7,000 |
| Retained earnings to average equity (ytd only) | -16.7333% | 6,971 |
| Net charge-offs to loans | 3.4821% | 151 |
| Credit loss provision to net charge-offs | 97.2247% | 2,851 |
| Earnings coverage of net charge-offs (x) | 0.1446% | 5,003 |
| Efficiency ratio | 93.1277% | 854 |
| Assets per employee ($millions) | 3.2889% | 5,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1026% | 1,991 |
| Loan loss allowance to noncurrent loans | 44.6075% | 5,413 |
| Noncurrent assets plus other real estate owned to assets | 6.2589% | 667 |
| Noncurrent loans to loans | 4.7135% | 1,095 |
| Net loans and leases to total assets | 56.0710% | 4,457 |
| Net loans and leases to deposits | 62.6295% | 4,926 |
| Net loans and leases to core deposits | 66.8536% | 4,911 |
| Total domestic deposits to total assets | 89.5281% | 1,207 |
| Equity capital to assets | 9.9504% | 4,417 |
| Core capital (leverage) ratio | 9.8140% | 3,697 |
| Tier 1 risk-based capital ratio | 16.4070% | 2,962 |
| Total risk-based capital ratio | 17.6695% | 2,917 |
| Memoranda: | ||
| Average total assets | $215,674,670 | 2,921 |
| Average earning assets | $197,638,330 | 2,906 |
| Average equity | $22,099,670 | 2,974 |
| Average total loans | $128,313,670 | 2,958 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6264% | 3,375 |
| Cost of funding earning assets | 0.8248% | 3,281 |
| Net interest margin | 3.8016% | 3,389 |
| Noninterest income to average assets | 0.4019% | 4,655 |
| Noninterest expense to average assets | 4.0488% | 881 |
| Loan and lease loss provision to assets | 3.5873% | 41 |
| Net operating income to assets | -3.7436% | 7,250 |
| Return on assets (ROA) | -3.7436% | 7,251 |
| Pretax return on assets | -3.7436% | 7,241 |
| Return on Equity (ROE) | -36.0089% | 7,188 |
| Retained earnings to average equity (ytd only) | -36.0089% | 7,168 |
| Net charge-offs to loans | 6.4094% | 53 |
| Credit loss provision to net charge-offs | 92.3372% | 2,507 |
| Earnings coverage of net charge-offs (x) | -0.0402% | 4,386 |
| Efficiency ratio | 104.0153% | 446 |
| Assets per employee ($millions) | 3.3031% | 5,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9733% | 2,439 |
| Loan loss allowance to noncurrent loans | 24.7784% | 6,386 |
| Noncurrent assets plus other real estate owned to assets | 7.7414% | 510 |
| Noncurrent loans to loans | 7.9638% | 491 |
| Net loans and leases to total assets | 58.2132% | 4,002 |
| Net loans and leases to deposits | 65.0088% | 4,487 |
| Net loans and leases to core deposits | 69.6029% | 4,481 |
| Total domestic deposits to total assets | 89.5465% | 1,340 |
| Equity capital to assets | 9.9323% | 4,216 |
| Core capital (leverage) ratio | 9.5906% | 3,931 |
| Tier 1 risk-based capital ratio | 16.0234% | 3,164 |
| Total risk-based capital ratio | 17.2830% | 3,124 |
| Memoranda: | ||
| Average total assets | $214,979,000 | 2,944 |
| Average earning assets | $197,390,000 | 2,926 |
| Average equity | $22,350,000 | 2,935 |
| Average total loans | $130,308,000 | 2,934 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0320% | 2,749 |
| Cost of funding earning assets | 0.8628% | 4,373 |
| Net interest margin | 4.1692% | 2,161 |
| Noninterest income to average assets | 0.7369% | 2,410 |
| Noninterest expense to average assets | 3.5355% | 1,898 |
| Loan and lease loss provision to assets | 0.7167% | 1,426 |
| Net operating income to assets | 0.3428% | 5,099 |
| Return on assets (ROA) | 0.3428% | 5,257 |
| Pretax return on assets | 0.3428% | 5,445 |
| Return on Equity (ROE) | 3.3024% | 5,157 |
| Retained earnings to average equity (ytd only) | 2.5730% | 4,394 |
| Net charge-offs to loans | 1.0026% | 1,732 |
| Credit loss provision to net charge-offs | 111.3329% | 2,992 |
| Earnings coverage of net charge-offs (x) | 1.6458% | 4,537 |
| Efficiency ratio | 76.9423% | 2,751 |
| Assets per employee ($millions) | 3.3116% | 5,482 |
| Cash dividends to net income (ytd only)* | 22.0884% | 3,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0103% | 2,243 |
| Loan loss allowance to noncurrent loans | 21.9165% | 6,552 |
| Noncurrent assets plus other real estate owned to assets | 8.1885% | 483 |
| Noncurrent loans to loans | 9.1726% | 379 |
| Net loans and leases to total assets | 60.5972% | 3,873 |
| Net loans and leases to deposits | 69.3779% | 4,222 |
| Net loans and leases to core deposits | 74.5317% | 4,171 |
| Total domestic deposits to total assets | 87.3438% | 2,555 |
| Equity capital to assets | 10.8593% | 3,129 |
| Core capital (leverage) ratio | 10.4864% | 2,745 |
| Tier 1 risk-based capital ratio | 17.0911% | 2,560 |
| Total risk-based capital ratio | 18.3515% | 2,514 |
| Memoranda: | ||
| Average total assets | $217,932,200 | 2,860 |
| Average earning assets | $201,671,200 | 2,829 |
| Average equity | $22,619,800 | 2,822 |
| Average total loans | $139,938,800 | 2,787 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1253% | 2,490 |
| Cost of funding earning assets | 0.8917% | 4,455 |
| Net interest margin | 4.2336% | 1,973 |
| Noninterest income to average assets | 0.7014% | 2,600 |
| Noninterest expense to average assets | 3.5589% | 1,797 |
| Loan and lease loss provision to assets | 0.7978% | 1,169 |
| Net operating income to assets | 0.2684% | 5,516 |
| Return on assets (ROA) | 0.2684% | 5,672 |
| Pretax return on assets | 0.2684% | 5,773 |
| Return on Equity (ROE) | 2.6154% | 5,575 |
| Retained earnings to average equity (ytd only) | 1.6346% | 5,326 |
| Net charge-offs to loans | 0.9008% | 1,776 |
| Credit loss provision to net charge-offs | 136.6771% | 2,330 |
| Earnings coverage of net charge-offs (x) | 1.8265% | 4,294 |
| Efficiency ratio | 76.9484% | 2,684 |
| Assets per employee ($millions) | 3.4415% | 5,140 |
| Cash dividends to net income (ytd only)* | 37.4994% | 2,138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0976% | 2,069 |
| Loan loss allowance to noncurrent loans | 31.4370% | 6,174 |
| Noncurrent assets plus other real estate owned to assets | 5.8799% | 921 |
| Noncurrent loans to loans | 6.6723% | 777 |
| Net loans and leases to total assets | 59.8406% | 4,160 |
| Net loans and leases to deposits | 68.1684% | 4,574 |
| Net loans and leases to core deposits | 73.9649% | 4,448 |
| Total domestic deposits to total assets | 87.7834% | 2,175 |
| Equity capital to assets | 10.3359% | 3,913 |
| Core capital (leverage) ratio | 10.0876% | 3,324 |
| Tier 1 risk-based capital ratio | 16.8155% | 2,714 |
| Total risk-based capital ratio | 18.0776% | 2,682 |
| Memoranda: | ||
| Average total assets | $218,601,750 | 2,858 |
| Average earning assets | $202,595,750 | 2,824 |
| Average equity | $22,431,000 | 2,837 |
| Average total loans | $141,645,000 | 2,783 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1239% | 2,574 |
| Cost of funding earning assets | 0.9224% | 4,504 |
| Net interest margin | 4.2015% | 2,029 |
| Noninterest income to average assets | 0.7026% | 2,537 |
| Noninterest expense to average assets | 3.5288% | 1,914 |
| Loan and lease loss provision to assets | 0.9359% | 944 |
| Net operating income to assets | 0.1272% | 5,942 |
| Return on assets (ROA) | 0.1272% | 6,034 |
| Pretax return on assets | 0.1272% | 6,053 |
| Return on Equity (ROE) | 1.2432% | 6,021 |
| Retained earnings to average equity (ytd only) | -0.2432% | 5,888 |
| Net charge-offs to loans | 0.9729% | 1,613 |
| Credit loss provision to net charge-offs | 145.6241% | 2,102 |
| Earnings coverage of net charge-offs (x) | 1.6542% | 4,050 |
| Efficiency ratio | 76.8474% | 2,883 |
| Assets per employee ($millions) | 3.2938% | 5,436 |
| Cash dividends to net income (ytd only)* | 119.5652% | 302 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9812% | 2,420 |
| Loan loss allowance to noncurrent loans | 35.8588% | 5,916 |
| Noncurrent assets plus other real estate owned to assets | 5.6026% | 1,043 |
| Noncurrent loans to loans | 5.5251% | 1,142 |
| Net loans and leases to total assets | 63.5557% | 3,566 |
| Net loans and leases to deposits | 72.2905% | 4,070 |
| Net loans and leases to core deposits | 78.5209% | 3,992 |
| Total domestic deposits to total assets | 87.9172% | 2,188 |
| Equity capital to assets | 10.2821% | 3,774 |
| Core capital (leverage) ratio | 10.1897% | 3,045 |
| Tier 1 risk-based capital ratio | 15.9185% | 3,019 |
| Total risk-based capital ratio | 17.1805% | 2,983 |
| Memoranda: | ||
| Average total assets | $216,903,670 | 2,890 |
| Average earning assets | $200,784,330 | 2,863 |
| Average equity | $22,201,000 | 2,852 |
| Average total loans | $143,283,670 | 2,787 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1185% | 2,566 |
| Cost of funding earning assets | 0.9630% | 4,475 |
| Net interest margin | 4.1555% | 2,058 |
| Noninterest income to average assets | 0.7125% | 2,500 |
| Noninterest expense to average assets | 3.5830% | 1,807 |
| Loan and lease loss provision to assets | 1.3022% | 524 |
| Net operating income to assets | -0.3274% | 6,685 |
| Return on assets (ROA) | -0.3274% | 6,694 |
| Pretax return on assets | -0.3274% | 6,639 |
| Return on Equity (ROE) | -3.2064% | 6,685 |
| Retained earnings to average equity (ytd only) | -6.2124% | 6,609 |
| Net charge-offs to loans | 0.9569% | 1,398 |
| Credit loss provision to net charge-offs | 204.0816% | 1,453 |
| Earnings coverage of net charge-offs (x) | 1.5277% | 3,568 |
| Efficiency ratio | 78.6122% | 2,747 |
| Assets per employee ($millions) | 3.2367% | 5,626 |
| Cash dividends to net income (ytd only)* | -93.7500% | 7,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0080% | 2,401 |
| Loan loss allowance to noncurrent loans | 34.2673% | 6,001 |
| Noncurrent assets plus other real estate owned to assets | 5.7078% | 1,040 |
| Noncurrent loans to loans | 5.8598% | 1,098 |
| Net loans and leases to total assets | 64.6743% | 3,314 |
| Net loans and leases to deposits | 73.2898% | 3,876 |
| Net loans and leases to core deposits | 79.9241% | 3,771 |
| Total domestic deposits to total assets | 88.2446% | 2,228 |
| Equity capital to assets | 10.0456% | 3,719 |
| Core capital (leverage) ratio | 10.1268% | 2,999 |
| Tier 1 risk-based capital ratio | 15.6074% | 3,100 |
| Total risk-based capital ratio | 16.8696% | 3,053 |
| Memoranda: | ||
| Average total assets | $215,013,000 | 2,937 |
| Average earning assets | $198,963,500 | 2,900 |
| Average equity | $21,956,000 | 2,871 |
| Average total loans | $143,379,000 | 2,817 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3976% | 2,680 |
| Cost of funding earning assets | 1.2113% | 4,485 |
| Net interest margin | 4.1863% | 2,241 |
| Noninterest income to average assets | 0.6461% | 3,177 |
| Noninterest expense to average assets | 3.5715% | 1,997 |
| Loan and lease loss provision to assets | 0.5696% | 2,850 |
| Net operating income to assets | 0.3885% | 4,594 |
| Return on assets (ROA) | 0.3816% | 4,777 |
| Pretax return on assets | 0.3970% | 4,951 |
| Return on Equity (ROE) | 3.8148% | 4,607 |
| Retained earnings to average equity (ytd only) | 3.8148% | 3,190 |
| Net charge-offs to loans | 0.8218% | 2,582 |
| Credit loss provision to net charge-offs | 100.9685% | 4,499 |
| Earnings coverage of net charge-offs (x) | 1.7264% | 4,426 |
| Efficiency ratio | 78.5736% | 2,602 |
| Assets per employee ($millions) | 3.0893% | 5,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7524% | 3,017 |
| Loan loss allowance to noncurrent loans | 32.8633% | 6,130 |
| Noncurrent assets plus other real estate owned to assets | 5.4700% | 1,133 |
| Noncurrent loans to loans | 5.3325% | 1,238 |
| Net loans and leases to total assets | 66.1993% | 3,428 |
| Net loans and leases to deposits | 75.3607% | 3,948 |
| Net loans and leases to core deposits | 82.1949% | 3,880 |
| Total domestic deposits to total assets | 87.8432% | 2,345 |
| Equity capital to assets | 10.3803% | 3,295 |
| Core capital (leverage) ratio | 10.2150% | 2,851 |
| Tier 1 risk-based capital ratio | 15.7011% | 2,892 |
| Total risk-based capital ratio | 16.9584% | 2,853 |
| Memoranda: | ||
| Average total assets | $219,628,000 | 2,873 |
| Average earning assets | $204,573,000 | 2,812 |
| Average equity | $21,967,000 | 2,879 |
| Average total loans | $150,759,800 | 2,762 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3701% | 3,029 |
| Cost of funding earning assets | 1.2611% | 4,487 |
| Net interest margin | 4.1090% | 2,590 |
| Noninterest income to average assets | 0.6225% | 3,298 |
| Noninterest expense to average assets | 3.5507% | 1,905 |
| Loan and lease loss provision to assets | 0.5586% | 2,716 |
| Net operating income to assets | 0.3329% | 5,034 |
| Return on assets (ROA) | 0.3236% | 5,238 |
| Pretax return on assets | 0.3363% | 5,408 |
| Return on Equity (ROE) | 3.2653% | 5,113 |
| Retained earnings to average equity (ytd only) | 3.2653% | 4,148 |
| Net charge-offs to loans | 0.8041% | 2,439 |
| Credit loss provision to net charge-offs | 100.7609% | 4,281 |
| Earnings coverage of net charge-offs (x) | 1.6315% | 4,491 |
| Efficiency ratio | 79.6970% | 2,390 |
| Assets per employee ($millions) | 3.1775% | 5,730 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7156% | 3,108 |
| Loan loss allowance to noncurrent loans | 46.4068% | 5,193 |
| Noncurrent assets plus other real estate owned to assets | 3.6921% | 1,932 |
| Noncurrent loans to loans | 3.6968% | 2,107 |
| Net loans and leases to total assets | 65.6382% | 3,769 |
| Net loans and leases to deposits | 75.4642% | 4,271 |
| Net loans and leases to core deposits | 82.2720% | 4,205 |
| Total domestic deposits to total assets | 86.9792% | 2,546 |
| Equity capital to assets | 10.2003% | 3,883 |
| Core capital (leverage) ratio | 9.9087% | 3,346 |
| Tier 1 risk-based capital ratio | 15.4028% | 3,043 |
| Total risk-based capital ratio | 16.6602% | 3,007 |
| Memoranda: | ||
| Average total assets | $221,244,000 | 2,895 |
| Average earning assets | $206,371,000 | 2,827 |
| Average equity | $21,927,000 | 2,927 |
| Average total loans | $152,542,250 | 2,770 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3767% | 3,075 |
| Cost of funding earning assets | 1.2877% | 4,611 |
| Net interest margin | 4.0890% | 2,614 |
| Noninterest income to average assets | 0.6606% | 2,952 |
| Noninterest expense to average assets | 3.5321% | 1,952 |
| Loan and lease loss provision to assets | 0.6300% | 2,271 |
| Net operating income to assets | 0.3016% | 5,181 |
| Return on assets (ROA) | 0.2929% | 5,360 |
| Pretax return on assets | 0.3046% | 5,480 |
| Return on Equity (ROE) | 2.9842% | 5,235 |
| Retained earnings to average equity (ytd only) | 2.9842% | 4,223 |
| Net charge-offs to loans | 0.8384% | 2,155 |
| Credit loss provision to net charge-offs | 107.8704% | 3,777 |
| Earnings coverage of net charge-offs (x) | 1.6157% | 4,286 |
| Efficiency ratio | 78.9166% | 2,585 |
| Assets per employee ($millions) | 3.1668% | 5,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6952% | 3,103 |
| Loan loss allowance to noncurrent loans | 38.9575% | 5,746 |
| Noncurrent assets plus other real estate owned to assets | 4.2359% | 1,585 |
| Noncurrent loans to loans | 4.3513% | 1,702 |
| Net loans and leases to total assets | 66.8661% | 3,645 |
| Net loans and leases to deposits | 76.5903% | 4,221 |
| Net loans and leases to core deposits | 83.8344% | 4,153 |
| Total domestic deposits to total assets | 87.3035% | 2,376 |
| Equity capital to assets | 10.0164% | 4,008 |
| Core capital (leverage) ratio | 9.9126% | 3,267 |
| Tier 1 risk-based capital ratio | 15.0311% | 3,142 |
| Total risk-based capital ratio | 16.2886% | 3,106 |
| Memoranda: | ||
| Average total assets | $221,909,000 | 2,911 |
| Average earning assets | $207,041,000 | 2,847 |
| Average equity | $21,781,330 | 2,940 |
| Average total loans | $154,582,000 | 2,768 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4173% | 2,956 |
| Cost of funding earning assets | 1.3206% | 4,688 |
| Net interest margin | 4.0967% | 2,453 |
| Noninterest income to average assets | 0.6666% | 2,836 |
| Noninterest expense to average assets | 3.5798% | 1,787 |
| Loan and lease loss provision to assets | 0.5963% | 2,129 |
| Net operating income to assets | 0.3094% | 5,258 |
| Return on assets (ROA) | 0.3009% | 5,428 |
| Pretax return on assets | 0.3153% | 5,558 |
| Return on Equity (ROE) | 3.0969% | 5,292 |
| Retained earnings to average equity (ytd only) | 3.0969% | 4,279 |
| Net charge-offs to loans | 0.4933% | 2,582 |
| Credit loss provision to net charge-offs | 171.5026% | 2,112 |
| Earnings coverage of net charge-offs (x) | 2.6477% | 3,208 |
| Efficiency ratio | 79.5436% | 2,639 |
| Assets per employee ($millions) | 3.0509% | 6,102 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7023% | 3,053 |
| Loan loss allowance to noncurrent loans | 38.3321% | 5,801 |
| Noncurrent assets plus other real estate owned to assets | 4.0958% | 1,672 |
| Noncurrent loans to loans | 4.4411% | 1,690 |
| Net loans and leases to total assets | 70.4545% | 2,812 |
| Net loans and leases to deposits | 80.7160% | 3,511 |
| Net loans and leases to core deposits | 88.4826% | 3,575 |
| Total domestic deposits to total assets | 87.2869% | 2,473 |
| Equity capital to assets | 10.0461% | 3,804 |
| Core capital (leverage) ratio | 9.6997% | 3,518 |
| Tier 1 risk-based capital ratio | 14.7014% | 3,256 |
| Total risk-based capital ratio | 15.9588% | 3,220 |
| Memoranda: | ||
| Average total assets | $222,025,500 | 2,964 |
| Average earning assets | $207,778,000 | 2,903 |
| Average equity | $21,570,000 | 2,994 |
| Average total loans | $156,482,000 | 2,807 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1416% | 1,400 |
| Cost of funding earning assets | 1.6004% | 5,023 |
| Net interest margin | 4.5413% | 1,095 |
| Noninterest income to average assets | 0.7666% | 2,577 |
| Noninterest expense to average assets | 3.7233% | 1,855 |
| Loan and lease loss provision to assets | 0.7289% | 2,924 |
| Net operating income to assets | 0.5093% | 3,692 |
| Return on assets (ROA) | 0.5098% | 3,779 |
| Pretax return on assets | 0.5450% | 4,066 |
| Return on Equity (ROE) | 5.0630% | 3,642 |
| Retained earnings to average equity (ytd only) | -0.8281% | 5,211 |
| Net charge-offs to loans | 0.3181% | 4,654 |
| Credit loss provision to net charge-offs | 311.6090% | 1,052 |
| Earnings coverage of net charge-offs (x) | 5.4440% | 2,599 |
| Efficiency ratio | 74.5137% | 3,794 |
| Assets per employee ($millions) | 3.2491% | 5,610 |
| Cash dividends to net income (ytd only)* | 116.3551% | 438 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5884% | 3,329 |
| Loan loss allowance to noncurrent loans | 42.2999% | 5,597 |
| Noncurrent assets plus other real estate owned to assets | 3.2198% | 2,132 |
| Noncurrent loans to loans | 3.7550% | 1,997 |
| Net loans and leases to total assets | 68.2394% | 3,648 |
| Net loans and leases to deposits | 77.6559% | 4,444 |
| Net loans and leases to core deposits | 95.2049% | 4,546 |
| Total domestic deposits to total assets | 87.8741% | 2,026 |
| Equity capital to assets | 9.3999% | 4,553 |
| Core capital (leverage) ratio | 9.7747% | 3,362 |
| Tier 1 risk-based capital ratio | 13.1080% | 4,076 |
| Total risk-based capital ratio | 14.3410% | 4,033 |
| Memoranda: | ||
| Average total assets | $209,897,200 | 3,065 |
| Average earning assets | $195,518,200 | 3,027 |
| Average equity | $21,133,600 | 3,053 |
| Average total loans | $154,350,000 | 2,855 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3127% | 1,106 |
| Cost of funding earning assets | 1.6885% | 4,958 |
| Net interest margin | 4.6242% | 948 |
| Noninterest income to average assets | 0.7824% | 2,531 |
| Noninterest expense to average assets | 3.7856% | 1,621 |
| Loan and lease loss provision to assets | 0.7980% | 2,369 |
| Net operating income to assets | 0.4634% | 4,150 |
| Return on assets (ROA) | 0.4658% | 4,237 |
| Pretax return on assets | 0.4976% | 4,526 |
| Return on Equity (ROE) | 4.5430% | 4,142 |
| Retained earnings to average equity (ytd only) | -3.2712% | 5,986 |
| Net charge-offs to loans | 0.3214% | 4,027 |
| Credit loss provision to net charge-offs | 332.4324% | 1,239 |
| Earnings coverage of net charge-offs (x) | 5.3865% | 2,836 |
| Efficiency ratio | 74.5401% | 3,776 |
| Assets per employee ($millions) | 2.9332% | 6,321 |
| Cash dividends to net income (ytd only)* | 172.0059% | 231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4569% | 3,658 |
| Loan loss allowance to noncurrent loans | 138.1179% | 2,052 |
| Noncurrent assets plus other real estate owned to assets | 1.6065% | 3,941 |
| Noncurrent loans to loans | 1.0548% | 5,208 |
| Net loans and leases to total assets | 73.2530% | 2,723 |
| Net loans and leases to deposits | 83.9657% | 3,653 |
| Net loans and leases to core deposits | 103.5409% | 3,988 |
| Total domestic deposits to total assets | 87.2416% | 2,058 |
| Equity capital to assets | 9.8461% | 4,288 |
| Core capital (leverage) ratio | 9.8427% | 3,462 |
| Tier 1 risk-based capital ratio | 13.0021% | 4,193 |
| Total risk-based capital ratio | 14.2561% | 4,119 |
| Memoranda: | ||
| Average total assets | $205,511,750 | 3,137 |
| Average earning assets | $190,934,250 | 3,104 |
| Average equity | $21,072,250 | 3,088 |
| Average total loans | $153,510,500 | 2,891 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3812% | 1,045 |
| Cost of funding earning assets | 1.7199% | 5,176 |
| Net interest margin | 4.6613% | 853 |
| Noninterest income to average assets | 0.7817% | 2,508 |
| Noninterest expense to average assets | 3.9795% | 1,348 |
| Loan and lease loss provision to assets | 0.8093% | 2,069 |
| Net operating income to assets | 0.2612% | 5,046 |
| Return on assets (ROA) | 0.2645% | 5,128 |
| Pretax return on assets | 0.3168% | 5,174 |
| Return on Equity (ROE) | 2.5441% | 5,085 |
| Retained earnings to average equity (ytd only) | -6.5215% | 6,513 |
| Net charge-offs to loans | 0.3258% | 3,552 |
| Credit loss provision to net charge-offs | 331.9838% | 1,403 |
| Earnings coverage of net charge-offs (x) | 4.6032% | 3,053 |
| Efficiency ratio | 78.0035% | 3,347 |
| Assets per employee ($millions) | 2.9937% | 6,151 |
| Cash dividends to net income (ytd only)* | 356.3433% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2986% | 4,283 |
| Loan loss allowance to noncurrent loans | 278.8828% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 1.0713% | 4,822 |
| Noncurrent loans to loans | 0.4656% | 6,365 |
| Net loans and leases to total assets | 73.1982% | 2,912 |
| Net loans and leases to deposits | 83.8476% | 3,908 |
| Net loans and leases to core deposits | 102.9260% | 4,189 |
| Total domestic deposits to total assets | 87.2992% | 2,099 |
| Equity capital to assets | 9.7077% | 4,340 |
| Core capital (leverage) ratio | 10.0420% | 3,249 |
| Tier 1 risk-based capital ratio | 13.0477% | 4,114 |
| Total risk-based capital ratio | 14.2968% | 4,033 |
| Memoranda: | ||
| Average total assets | $202,640,670 | 3,199 |
| Average earning assets | $187,802,330 | 3,168 |
| Average equity | $21,068,670 | 3,091 |
| Average total loans | $151,623,330 | 2,949 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4158% | 1,035 |
| Cost of funding earning assets | 1.7472% | 5,369 |
| Net interest margin | 4.6686% | 823 |
| Noninterest income to average assets | 0.8013% | 2,313 |
| Noninterest expense to average assets | 3.9679% | 1,221 |
| Loan and lease loss provision to assets | 0.2428% | 4,036 |
| Net operating income to assets | 0.8378% | 2,959 |
| Return on assets (ROA) | 0.8397% | 3,101 |
| Pretax return on assets | 0.8964% | 3,730 |
| Return on Equity (ROE) | 7.7986% | 3,244 |
| Retained earnings to average equity (ytd only) | -3.9463% | 6,421 |
| Net charge-offs to loans | 0.4199% | 2,429 |
| Credit loss provision to net charge-offs | 76.9231% | 4,241 |
| Earnings coverage of net charge-offs (x) | 3.6026% | 3,125 |
| Efficiency ratio | 77.7249% | 3,215 |
| Assets per employee ($millions) | 2.7102% | 6,865 |
| Cash dividends to net income (ytd only)* | 150.6024% | 467 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0161% | 6,072 |
| Loan loss allowance to noncurrent loans | 118.7254% | 2,635 |
| Noncurrent assets plus other real estate owned to assets | 1.3495% | 3,968 |
| Noncurrent loans to loans | 0.8558% | 5,311 |
| Net loans and leases to total assets | 74.3026% | 2,681 |
| Net loans and leases to deposits | 86.2482% | 3,583 |
| Net loans and leases to core deposits | 109.4888% | 3,500 |
| Total domestic deposits to total assets | 86.1498% | 2,637 |
| Equity capital to assets | 10.7291% | 3,259 |
| Core capital (leverage) ratio | 10.7110% | 2,727 |
| Tier 1 risk-based capital ratio | 14.1627% | 3,494 |
| Total risk-based capital ratio | 15.1605% | 3,562 |
| Memoranda: | ||
| Average total assets | $197,684,500 | 3,268 |
| Average earning assets | $182,237,000 | 3,251 |
| Average equity | $21,286,000 | 3,080 |
| Average total loans | $148,619,000 | 3,025 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4998% | 410 |
| Cost of funding earning assets | 2.3894% | 4,768 |
| Net interest margin | 5.1103% | 394 |
| Noninterest income to average assets | 0.9782% | 1,658 |
| Noninterest expense to average assets | 3.6869% | 1,975 |
| Loan and lease loss provision to assets | 0.1210% | 5,811 |
| Net operating income to assets | 1.7204% | 650 |
| Return on assets (ROA) | 1.7204% | 624 |
| Pretax return on assets | 1.8354% | 879 |
| Return on Equity (ROE) | 16.4589% | 702 |
| Retained earnings to average equity (ytd only) | 3.2899% | 3,103 |
| Net charge-offs to loans | 0.1646% | 4,555 |
| Credit loss provision to net charge-offs | 104.3478% | 5,124 |
| Earnings coverage of net charge-offs (x) | 16.8696% | 1,809 |
| Efficiency ratio | 65.3324% | 5,247 |
| Assets per employee ($millions) | 2.5958% | 7,014 |
| Cash dividends to net income (ytd only)* | 80.0117% | 1,716 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0700% | 5,483 |
| Loan loss allowance to noncurrent loans | 32.4576% | 6,554 |
| Noncurrent assets plus other real estate owned to assets | 2.8379% | 1,650 |
| Noncurrent loans to loans | 3.2965% | 1,576 |
| Net loans and leases to total assets | 73.3388% | 3,275 |
| Net loans and leases to deposits | 92.1852% | 3,097 |
| Net loans and leases to core deposits | 118.3034% | 2,853 |
| Total domestic deposits to total assets | 79.5559% | 5,178 |
| Equity capital to assets | 10.1781% | 3,832 |
| Core capital (leverage) ratio | 10.9275% | 2,648 |
| Tier 1 risk-based capital ratio | 14.3815% | 3,348 |
| Total risk-based capital ratio | 15.4632% | 3,359 |
| Memoranda: | ||
| Average total assets | $99,162,600 | 5,079 |
| Average earning assets | $90,523,000 | 5,063 |
| Average equity | $10,365,200 | 5,301 |
| Average total loans | $69,859,000 | 4,873 |