Home > Continental National Bank > Performance and Condition Ratios
Continental National Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5538% | 2,881 |
| Cost of funding earning assets | 1.0417% | 1,578 |
| Net interest margin | 3.5120% | 3,528 |
| Noninterest income to average assets | 1.8115% | 311 |
| Noninterest expense to average assets | 4.2450% | 389 |
| Loan and lease loss provision to assets | -0.0492% | 5,122 |
| Net operating income to assets | 0.7275% | 3,920 |
| Return on assets (ROA) | 0.7473% | 3,920 |
| Pretax return on assets | 1.0216% | 3,518 |
| Return on Equity (ROE) | 8.8394% | 2,944 |
| Retained earnings to average equity (ytd only) | 8.4762% | 1,212 |
| Net charge-offs to loans | 0.0221% | 2,658 |
| Credit loss provision to net charge-offs | -314.5455% | 4,245 |
| Earnings coverage of net charge-offs (x) | 60.6013% | 1,044 |
| Efficiency ratio | 81.7540% | 774 |
| Assets per employee ($millions) | 4.3938% | 3,347 |
| Cash dividends to net income (ytd only)* | 4.1081% | 3,495 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1646% | 2,694 |
| Loan loss allowance to noncurrent loans | 317.1953% | 1,443 |
| Noncurrent assets plus other real estate owned to assets | 0.2622% | 3,514 |
| Noncurrent loans to loans | 0.3672% | 3,238 |
| Net loans and leases to total assets | 70.5739% | 2,390 |
| Net loans and leases to deposits | 80.5526% | 2,843 |
| Net loans and leases to core deposits | 83.8206% | 3,111 |
| Total domestic deposits to total assets | 87.6123% | 1,212 |
| Equity capital to assets | 9.1235% | 4,713 |
| Core capital (leverage) ratio | 8.8603% | 4,740 |
| Tier 1 risk-based capital ratio | 13.0495% | 3,817 |
| Total risk-based capital ratio | 14.2829% | 3,731 |
| Memoranda: | ||
| Average total assets | $469,054,250 | 1,506 |
| Average earning assets | $451,541,000 | 1,459 |
| Average equity | $39,655,000 | 1,956 |
| Average total loans | $331,963,500 | 1,495 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4515% | 3,179 |
| Cost of funding earning assets | 1.0184% | 1,611 |
| Net interest margin | 3.4332% | 3,792 |
| Noninterest income to average assets | 0.9305% | 1,002 |
| Noninterest expense to average assets | 3.6678% | 780 |
| Loan and lease loss provision to assets | -0.0731% | 5,197 |
| Net operating income to assets | 0.5018% | 4,523 |
| Return on assets (ROA) | 0.5018% | 4,557 |
| Pretax return on assets | 0.6367% | 4,478 |
| Return on Equity (ROE) | 6.0908% | 4,021 |
| Retained earnings to average equity (ytd only) | 6.0908% | 2,241 |
| Net charge-offs to loans | 0.0461% | 1,989 |
| Credit loss provision to net charge-offs | -224.6753% | 4,005 |
| Earnings coverage of net charge-offs (x) | 17.3117% | 1,899 |
| Efficiency ratio | 86.6820% | 507 |
| Assets per employee ($millions) | 4.2902% | 3,446 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 2,625 |
| Loan loss allowance to noncurrent loans | 318.8186% | 1,485 |
| Noncurrent assets plus other real estate owned to assets | 0.2488% | 3,576 |
| Noncurrent loans to loans | 0.3701% | 3,200 |
| Net loans and leases to total assets | 66.4370% | 3,048 |
| Net loans and leases to deposits | 75.9580% | 3,339 |
| Net loans and leases to core deposits | 78.7407% | 3,524 |
| Total domestic deposits to total assets | 87.4655% | 1,355 |
| Equity capital to assets | 8.4412% | 5,066 |
| Core capital (leverage) ratio | 8.3332% | 5,044 |
| Tier 1 risk-based capital ratio | 12.4994% | 4,123 |
| Total risk-based capital ratio | 13.7307% | 4,025 |
| Memoranda: | ||
| Average total assets | $473,088,330 | 1,504 |
| Average earning assets | $454,853,330 | 1,456 |
| Average equity | $38,976,670 | 1,980 |
| Average total loans | $333,855,000 | 1,497 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5035% | 2,849 |
| Cost of funding earning assets | 0.9804% | 1,654 |
| Net interest margin | 3.5231% | 3,529 |
| Noninterest income to average assets | 1.0256% | 757 |
| Noninterest expense to average assets | 3.6282% | 817 |
| Loan and lease loss provision to assets | 0.0484% | 2,686 |
| Net operating income to assets | 0.5752% | 4,313 |
| Return on assets (ROA) | 0.5752% | 4,348 |
| Pretax return on assets | 0.7329% | 4,217 |
| Return on Equity (ROE) | 7.0688% | 3,649 |
| Retained earnings to average equity (ytd only) | 7.0688% | 2,009 |
| Net charge-offs to loans | 0.0963% | 1,170 |
| Credit loss provision to net charge-offs | 69.5122% | 1,856 |
| Earnings coverage of net charge-offs (x) | 11.2317% | 1,918 |
| Efficiency ratio | 82.2816% | 845 |
| Assets per employee ($millions) | 4.2349% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1799% | 2,689 |
| Loan loss allowance to noncurrent loans | 297.8423% | 1,572 |
| Noncurrent assets plus other real estate owned to assets | 0.2809% | 3,482 |
| Noncurrent loans to loans | 0.3961% | 3,171 |
| Net loans and leases to total assets | 70.0588% | 2,466 |
| Net loans and leases to deposits | 82.5891% | 2,552 |
| Net loans and leases to core deposits | 84.7191% | 2,967 |
| Total domestic deposits to total assets | 84.8282% | 2,738 |
| Equity capital to assets | 8.1643% | 5,137 |
| Core capital (leverage) ratio | 8.2199% | 5,131 |
| Tier 1 risk-based capital ratio | 11.5608% | 4,714 |
| Total risk-based capital ratio | 12.7835% | 4,615 |
| Memoranda: | ||
| Average total assets | $471,526,500 | 1,519 |
| Average earning assets | $452,890,500 | 1,469 |
| Average equity | $38,366,000 | 1,998 |
| Average total loans | $340,703,000 | 1,479 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3318% | 2,997 |
| Cost of funding earning assets | 0.5846% | 2,822 |
| Net interest margin | 3.7472% | 2,869 |
| Noninterest income to average assets | 0.4063% | 3,405 |
| Noninterest expense to average assets | 5.3073% | 168 |
| Loan and lease loss provision to assets | 0.1387% | 1,554 |
| Net operating income to assets | -1.0655% | 5,341 |
| Return on assets (ROA) | -1.0655% | 5,335 |
| Pretax return on assets | -1.4310% | 5,353 |
| Return on Equity (ROE) | -13.1141% | 5,365 |
| Retained earnings to average equity (ytd only) | -13.1141% | 5,348 |
| Net charge-offs to loans | 0.0349% | 2,707 |
| Credit loss provision to net charge-offs | 563.7931% | 622 |
| Earnings coverage of net charge-offs (x) | -52.5431% | 3,771 |
| Efficiency ratio | 132.1891% | 40 |
| Assets per employee ($millions) | 4.0746% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1808% | 2,669 |
| Loan loss allowance to noncurrent loans | 252.9743% | 1,857 |
| Noncurrent assets plus other real estate owned to assets | 0.3438% | 3,176 |
| Noncurrent loans to loans | 0.4668% | 2,875 |
| Net loans and leases to total assets | 72.7867% | 2,130 |
| Net loans and leases to deposits | 86.5549% | 2,212 |
| Net loans and leases to core deposits | 88.1316% | 2,743 |
| Total domestic deposits to total assets | 84.0931% | 2,971 |
| Equity capital to assets | 8.1079% | 5,124 |
| Core capital (leverage) ratio | 8.3635% | 5,081 |
| Tier 1 risk-based capital ratio | 11.8285% | 4,549 |
| Total risk-based capital ratio | 13.0736% | 4,427 |
| Memoranda: | ||
| Average total assets | $471,613,800 | 1,485 |
| Average earning assets | $454,179,800 | 1,438 |
| Average equity | $38,317,400 | 1,925 |
| Average total loans | $332,369,600 | 1,472 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3071% | 2,938 |
| Cost of funding earning assets | 0.4954% | 3,224 |
| Net interest margin | 3.8117% | 2,605 |
| Noninterest income to average assets | 0.4315% | 3,275 |
| Noninterest expense to average assets | 5.5003% | 155 |
| Loan and lease loss provision to assets | 0.1667% | 1,131 |
| Net operating income to assets | -1.1334% | 5,428 |
| Return on assets (ROA) | -1.1334% | 5,423 |
| Pretax return on assets | -1.5626% | 5,430 |
| Return on Equity (ROE) | -13.9424% | 5,439 |
| Retained earnings to average equity (ytd only) | -13.9424% | 5,420 |
| Net charge-offs to loans | 0.0323% | 2,441 |
| Credit loss provision to net charge-offs | 740.0000% | 513 |
| Earnings coverage of net charge-offs (x) | -61.9523% | 3,483 |
| Efficiency ratio | 134.0081% | 38 |
| Assets per employee ($millions) | 4.0876% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1809% | 2,737 |
| Loan loss allowance to noncurrent loans | 243.2727% | 1,923 |
| Noncurrent assets plus other real estate owned to assets | 0.3510% | 3,269 |
| Noncurrent loans to loans | 0.4854% | 2,934 |
| Net loans and leases to total assets | 71.4574% | 2,416 |
| Net loans and leases to deposits | 81.5761% | 2,865 |
| Net loans and leases to core deposits | 82.7883% | 3,268 |
| Total domestic deposits to total assets | 87.5960% | 1,445 |
| Equity capital to assets | 8.1094% | 5,131 |
| Core capital (leverage) ratio | 8.3562% | 5,174 |
| Tier 1 risk-based capital ratio | 12.1969% | 4,380 |
| Total risk-based capital ratio | 13.4410% | 4,281 |
| Memoranda: | ||
| Average total assets | $473,390,250 | 1,484 |
| Average earning assets | $456,163,750 | 1,426 |
| Average equity | $38,481,250 | 1,929 |
| Average total loans | $329,927,000 | 1,477 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2578% | 2,917 |
| Cost of funding earning assets | 0.4512% | 3,349 |
| Net interest margin | 3.8066% | 2,543 |
| Noninterest income to average assets | 0.4582% | 3,103 |
| Noninterest expense to average assets | 5.3033% | 179 |
| Loan and lease loss provision to assets | 0.1893% | 926 |
| Net operating income to assets | -0.9888% | 5,475 |
| Return on assets (ROA) | -0.9888% | 5,469 |
| Pretax return on assets | -1.3572% | 5,482 |
| Return on Equity (ROE) | -12.1549% | 5,481 |
| Retained earnings to average equity (ytd only) | -12.1549% | 5,437 |
| Net charge-offs to loans | 0.0435% | 1,996 |
| Credit loss provision to net charge-offs | 632.3944% | 601 |
| Earnings coverage of net charge-offs (x) | -39.0282% | 3,198 |
| Efficiency ratio | 128.2438% | 55 |
| Assets per employee ($millions) | 4.2599% | 3,484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1515% | 2,971 |
| Loan loss allowance to noncurrent loans | 155.6358% | 2,707 |
| Noncurrent assets plus other real estate owned to assets | 0.5089% | 2,718 |
| Noncurrent loans to loans | 0.7399% | 2,261 |
| Net loans and leases to total assets | 67.9872% | 2,871 |
| Net loans and leases to deposits | 75.2503% | 3,421 |
| Net loans and leases to core deposits | 76.9504% | 3,664 |
| Total domestic deposits to total assets | 90.3481% | 450 |
| Equity capital to assets | 7.7303% | 5,312 |
| Core capital (leverage) ratio | 8.0808% | 5,321 |
| Tier 1 risk-based capital ratio | 12.1770% | 4,385 |
| Total risk-based capital ratio | 13.3881% | 4,289 |
| Memoranda: | ||
| Average total assets | $474,496,000 | 1,485 |
| Average earning assets | $458,358,330 | 1,425 |
| Average equity | $38,601,670 | 1,922 |
| Average total loans | $326,597,330 | 1,494 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2268% | 2,794 |
| Cost of funding earning assets | 0.3913% | 3,653 |
| Net interest margin | 3.8356% | 2,278 |
| Noninterest income to average assets | 0.5227% | 2,671 |
| Noninterest expense to average assets | 4.7498% | 251 |
| Loan and lease loss provision to assets | 0.1645% | 1,089 |
| Net operating income to assets | -0.4473% | 5,489 |
| Return on assets (ROA) | -0.4473% | 5,486 |
| Pretax return on assets | -0.6787% | 5,512 |
| Return on Equity (ROE) | -5.3583% | 5,502 |
| Retained earnings to average equity (ytd only) | -5.3583% | 5,217 |
| Net charge-offs to loans | 0.0647% | 1,458 |
| Credit loss provision to net charge-offs | 369.2308% | 718 |
| Earnings coverage of net charge-offs (x) | -11.5385% | 2,702 |
| Efficiency ratio | 112.1384% | 89 |
| Assets per employee ($millions) | 4.4696% | 3,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1217% | 3,255 |
| Loan loss allowance to noncurrent loans | 75.7488% | 3,927 |
| Noncurrent assets plus other real estate owned to assets | 1.0245% | 1,531 |
| Noncurrent loans to loans | 1.4808% | 1,192 |
| Net loans and leases to total assets | 68.4095% | 2,717 |
| Net loans and leases to deposits | 76.4384% | 3,165 |
| Net loans and leases to core deposits | 78.0201% | 3,492 |
| Total domestic deposits to total assets | 89.4962% | 891 |
| Equity capital to assets | 8.4926% | 4,979 |
| Core capital (leverage) ratio | 8.7654% | 4,935 |
| Tier 1 risk-based capital ratio | 13.2366% | 3,823 |
| Total risk-based capital ratio | 14.4201% | 3,766 |
| Memoranda: | ||
| Average total assets | $466,798,500 | 1,521 |
| Average earning assets | $451,875,000 | 1,455 |
| Average equity | $38,967,500 | 1,911 |
| Average total loans | $321,424,500 | 1,517 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0342% | 3,292 |
| Cost of funding earning assets | 0.3176% | 3,978 |
| Net interest margin | 3.7166% | 2,735 |
| Noninterest income to average assets | 0.4135% | 3,544 |
| Noninterest expense to average assets | 3.9562% | 567 |
| Loan and lease loss provision to assets | 0.1685% | 1,305 |
| Net operating income to assets | -0.0781% | 5,407 |
| Return on assets (ROA) | -0.0613% | 5,399 |
| Pretax return on assets | -0.1101% | 5,472 |
| Return on Equity (ROE) | -0.7593% | 5,415 |
| Retained earnings to average equity (ytd only) | -0.7593% | 5,152 |
| Net charge-offs to loans | 0.0884% | 2,212 |
| Credit loss provision to net charge-offs | 304.8872% | 924 |
| Earnings coverage of net charge-offs (x) | 0.5827% | 3,981 |
| Efficiency ratio | 99.1925% | 187 |
| Assets per employee ($millions) | 4.6429% | 2,963 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1007% | 3,352 |
| Loan loss allowance to noncurrent loans | 178.7647% | 2,479 |
| Noncurrent assets plus other real estate owned to assets | 0.4219% | 3,179 |
| Noncurrent loans to loans | 0.6157% | 2,692 |
| Net loans and leases to total assets | 67.7711% | 2,856 |
| Net loans and leases to deposits | 76.9223% | 3,239 |
| Net loans and leases to core deposits | 78.2773% | 3,566 |
| Total domestic deposits to total assets | 88.1034% | 1,440 |
| Equity capital to assets | 8.2015% | 5,301 |
| Core capital (leverage) ratio | 8.3165% | 5,271 |
| Tier 1 risk-based capital ratio | 12.5675% | 4,167 |
| Total risk-based capital ratio | 13.7187% | 4,128 |
| Memoranda: | ||
| Average total assets | $481,248,000 | 1,450 |
| Average earning assets | $462,890,600 | 1,407 |
| Average equity | $38,850,000 | 1,902 |
| Average total loans | $300,781,200 | 1,565 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9729% | 3,455 |
| Cost of funding earning assets | 0.3222% | 3,918 |
| Net interest margin | 3.6507% | 2,947 |
| Noninterest income to average assets | 0.4292% | 3,483 |
| Noninterest expense to average assets | 3.4755% | 1,033 |
| Loan and lease loss provision to assets | 0.1826% | 1,084 |
| Net operating income to assets | 0.2076% | 5,345 |
| Return on assets (ROA) | 0.2257% | 5,342 |
| Pretax return on assets | 0.2996% | 5,310 |
| Return on Equity (ROE) | 2.8071% | 5,157 |
| Retained earnings to average equity (ytd only) | 2.8071% | 4,231 |
| Net charge-offs to loans | 0.1025% | 1,762 |
| Credit loss provision to net charge-offs | 291.6667% | 1,018 |
| Earnings coverage of net charge-offs (x) | 7.3158% | 2,890 |
| Efficiency ratio | 88.3544% | 489 |
| Assets per employee ($millions) | 4.4902% | 3,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0926% | 3,529 |
| Loan loss allowance to noncurrent loans | 137.2977% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5194% | 2,974 |
| Noncurrent loans to loans | 0.7958% | 2,367 |
| Net loans and leases to total assets | 64.5551% | 3,318 |
| Net loans and leases to deposits | 71.9056% | 3,785 |
| Net loans and leases to core deposits | 73.2723% | 4,037 |
| Total domestic deposits to total assets | 89.7776% | 551 |
| Equity capital to assets | 8.3279% | 5,382 |
| Core capital (leverage) ratio | 8.2395% | 5,403 |
| Tier 1 risk-based capital ratio | 12.9500% | 4,045 |
| Total risk-based capital ratio | 14.0743% | 4,030 |
| Memoranda: | ||
| Average total assets | $485,487,000 | 1,453 |
| Average earning assets | $466,013,000 | 1,404 |
| Average equity | $39,042,750 | 1,911 |
| Average total loans | $296,437,000 | 1,595 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8874% | 3,594 |
| Cost of funding earning assets | 0.3253% | 3,844 |
| Net interest margin | 3.5621% | 3,176 |
| Noninterest income to average assets | 0.4318% | 3,479 |
| Noninterest expense to average assets | 3.2378% | 1,500 |
| Loan and lease loss provision to assets | 0.2096% | 853 |
| Net operating income to assets | 0.3011% | 5,217 |
| Return on assets (ROA) | 0.3147% | 5,209 |
| Pretax return on assets | 0.4273% | 5,124 |
| Return on Equity (ROE) | 3.9594% | 4,838 |
| Retained earnings to average equity (ytd only) | 3.9594% | 3,347 |
| Net charge-offs to loans | 0.0692% | 1,941 |
| Credit loss provision to net charge-offs | 506.9307% | 652 |
| Earnings coverage of net charge-offs (x) | 14.9604% | 2,046 |
| Efficiency ratio | 83.9631% | 851 |
| Assets per employee ($millions) | 4.9473% | 2,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0876% | 3,655 |
| Loan loss allowance to noncurrent loans | 236.0196% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.2943% | 3,955 |
| Noncurrent loans to loans | 0.4608% | 3,362 |
| Net loans and leases to total assets | 63.1771% | 3,496 |
| Net loans and leases to deposits | 70.2898% | 3,889 |
| Net loans and leases to core deposits | 71.6810% | 4,114 |
| Total domestic deposits to total assets | 89.8810% | 574 |
| Equity capital to assets | 8.1445% | 5,470 |
| Core capital (leverage) ratio | 8.1769% | 5,444 |
| Tier 1 risk-based capital ratio | 12.8725% | 4,080 |
| Total risk-based capital ratio | 13.9835% | 4,070 |
| Memoranda: | ||
| Average total assets | $488,664,000 | 1,447 |
| Average earning assets | $469,776,000 | 1,404 |
| Average equity | $38,844,670 | 1,922 |
| Average total loans | $291,700,000 | 1,613 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7402% | 3,971 |
| Cost of funding earning assets | 0.3375% | 3,667 |
| Net interest margin | 3.4027% | 3,648 |
| Noninterest income to average assets | 0.5055% | 2,944 |
| Noninterest expense to average assets | 2.9573% | 2,280 |
| Loan and lease loss provision to assets | 0.2038% | 807 |
| Net operating income to assets | 0.4077% | 4,924 |
| Return on assets (ROA) | 0.4077% | 4,948 |
| Pretax return on assets | 0.6164% | 4,695 |
| Return on Equity (ROE) | 5.1917% | 4,306 |
| Retained earnings to average equity (ytd only) | 5.1917% | 2,790 |
| Net charge-offs to loans | 0.0948% | 1,411 |
| Credit loss provision to net charge-offs | 373.1343% | 686 |
| Earnings coverage of net charge-offs (x) | 15.0149% | 1,698 |
| Efficiency ratio | 78.2862% | 1,591 |
| Assets per employee ($millions) | 4.8211% | 2,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 3,806 |
| Loan loss allowance to noncurrent loans | 217.4515% | 2,107 |
| Noncurrent assets plus other real estate owned to assets | 0.3744% | 3,707 |
| Noncurrent loans to loans | 0.4981% | 3,311 |
| Net loans and leases to total assets | 58.3168% | 3,946 |
| Net loans and leases to deposits | 64.8152% | 4,262 |
| Net loans and leases to core deposits | 66.5936% | 4,391 |
| Total domestic deposits to total assets | 89.9741% | 670 |
| Equity capital to assets | 7.9210% | 5,557 |
| Core capital (leverage) ratio | 8.1060% | 5,505 |
| Tier 1 risk-based capital ratio | 13.5911% | 3,727 |
| Total risk-based capital ratio | 14.6942% | 3,726 |
| Memoranda: | ||
| Average total assets | $490,576,000 | 1,446 |
| Average earning assets | $471,741,500 | 1,402 |
| Average equity | $38,523,000 | 1,940 |
| Average total loans | $282,712,000 | 1,657 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6907% | 4,240 |
| Cost of funding earning assets | 0.3467% | 3,551 |
| Net interest margin | 3.3440% | 4,015 |
| Noninterest income to average assets | 0.6729% | 2,303 |
| Noninterest expense to average assets | 3.0267% | 2,273 |
| Loan and lease loss provision to assets | 0.1579% | 1,575 |
| Net operating income to assets | 0.4457% | 4,812 |
| Return on assets (ROA) | 0.5017% | 4,700 |
| Pretax return on assets | 0.7412% | 4,371 |
| Return on Equity (ROE) | 6.1185% | 3,919 |
| Retained earnings to average equity (ytd only) | 6.1185% | 1,647 |
| Net charge-offs to loans | 0.0471% | 3,097 |
| Credit loss provision to net charge-offs | 628.6957% | 547 |
| Earnings coverage of net charge-offs (x) | 32.5217% | 1,359 |
| Efficiency ratio | 78.7488% | 1,583 |
| Assets per employee ($millions) | 4.9434% | 2,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0733% | 3,870 |
| Loan loss allowance to noncurrent loans | 113.4254% | 3,368 |
| Noncurrent assets plus other real estate owned to assets | 0.6138% | 2,890 |
| Noncurrent loans to loans | 0.9463% | 2,194 |
| Net loans and leases to total assets | 55.6912% | 4,295 |
| Net loans and leases to deposits | 61.8125% | 4,559 |
| Net loans and leases to core deposits | 63.5116% | 4,663 |
| Total domestic deposits to total assets | 90.0970% | 601 |
| Equity capital to assets | 7.7839% | 5,641 |
| Core capital (leverage) ratio | 8.0536% | 5,594 |
| Tier 1 risk-based capital ratio | 14.1598% | 3,373 |
| Total risk-based capital ratio | 15.2577% | 3,368 |
| Memoranda: | ||
| Average total assets | $457,886,000 | 1,490 |
| Average earning assets | $434,150,200 | 1,460 |
| Average equity | $37,542,000 | 1,952 |
| Average total loans | $244,104,000 | 1,825 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6720% | 4,338 |
| Cost of funding earning assets | 0.3410% | 3,647 |
| Net interest margin | 3.3310% | 4,091 |
| Noninterest income to average assets | 0.6663% | 2,337 |
| Noninterest expense to average assets | 3.0357% | 2,212 |
| Loan and lease loss provision to assets | 0.1120% | 2,054 |
| Net operating income to assets | 0.4472% | 4,881 |
| Return on assets (ROA) | 0.5221% | 4,711 |
| Pretax return on assets | 0.7763% | 4,393 |
| Return on Equity (ROE) | 6.2808% | 3,938 |
| Retained earnings to average equity (ytd only) | 6.2808% | 2,018 |
| Net charge-offs to loans | 0.0643% | 2,428 |
| Credit loss provision to net charge-offs | 331.5789% | 962 |
| Earnings coverage of net charge-offs (x) | 22.9907% | 1,728 |
| Efficiency ratio | 79.6301% | 1,481 |
| Assets per employee ($millions) | 4.9501% | 2,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0222% | 4,284 |
| Loan loss allowance to noncurrent loans | 225.0646% | 2,050 |
| Noncurrent assets plus other real estate owned to assets | 0.3212% | 4,123 |
| Noncurrent loans to loans | 0.4542% | 3,652 |
| Net loans and leases to total assets | 52.1568% | 4,648 |
| Net loans and leases to deposits | 57.8886% | 4,883 |
| Net loans and leases to core deposits | 59.2843% | 4,978 |
| Total domestic deposits to total assets | 90.0987% | 448 |
| Equity capital to assets | 7.9127% | 5,766 |
| Core capital (leverage) ratio | 8.0005% | 5,691 |
| Tier 1 risk-based capital ratio | 15.0651% | 3,022 |
| Total risk-based capital ratio | 16.1294% | 3,037 |
| Memoranda: | ||
| Average total assets | $450,008,250 | 1,510 |
| Average earning assets | $425,006,500 | 1,484 |
| Average equity | $37,404,000 | 1,973 |
| Average total loans | $236,253,000 | 1,866 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7151% | 4,249 |
| Cost of funding earning assets | 0.3161% | 3,953 |
| Net interest margin | 3.3990% | 3,894 |
| Noninterest income to average assets | 0.7762% | 1,823 |
| Noninterest expense to average assets | 3.0531% | 2,201 |
| Loan and lease loss provision to assets | 0.0867% | 2,412 |
| Net operating income to assets | 0.5576% | 4,451 |
| Return on assets (ROA) | 0.5576% | 4,565 |
| Pretax return on assets | 0.8350% | 4,175 |
| Return on Equity (ROE) | 6.5917% | 3,757 |
| Retained earnings to average equity (ytd only) | 6.5917% | 1,819 |
| Net charge-offs to loans | 0.0809% | 2,040 |
| Credit loss provision to net charge-offs | 204.3011% | 1,283 |
| Earnings coverage of net charge-offs (x) | 21.7204% | 1,665 |
| Efficiency ratio | 76.8109% | 1,958 |
| Assets per employee ($millions) | 4.7510% | 2,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0209% | 4,401 |
| Loan loss allowance to noncurrent loans | 162.6330% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.3591% | 4,044 |
| Noncurrent loans to loans | 0.6278% | 3,193 |
| Net loans and leases to total assets | 51.4572% | 4,720 |
| Net loans and leases to deposits | 57.3028% | 4,939 |
| Net loans and leases to core deposits | 58.8128% | 5,034 |
| Total domestic deposits to total assets | 89.7988% | 562 |
| Equity capital to assets | 8.2357% | 5,722 |
| Core capital (leverage) ratio | 8.4570% | 5,399 |
| Tier 1 risk-based capital ratio | 15.9919% | 2,650 |
| Total risk-based capital ratio | 17.0670% | 2,668 |
| Memoranda: | ||
| Average total assets | $438,308,330 | 1,548 |
| Average earning assets | $412,474,330 | 1,524 |
| Average equity | $37,077,000 | 1,992 |
| Average total loans | $229,794,000 | 1,914 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8547% | 3,753 |
| Cost of funding earning assets | 0.3048% | 4,107 |
| Net interest margin | 3.5499% | 3,280 |
| Noninterest income to average assets | 0.7175% | 1,951 |
| Noninterest expense to average assets | 3.0704% | 2,176 |
| Loan and lease loss provision to assets | 0.0937% | 2,129 |
| Net operating income to assets | 0.5798% | 4,270 |
| Return on assets (ROA) | 0.5798% | 4,386 |
| Pretax return on assets | 0.8702% | 3,970 |
| Return on Equity (ROE) | 6.7579% | 3,584 |
| Retained earnings to average equity (ytd only) | 6.7579% | 2,003 |
| Net charge-offs to loans | 0.1476% | 1,229 |
| Credit loss provision to net charge-offs | 120.4819% | 1,437 |
| Earnings coverage of net charge-offs (x) | 12.3976% | 1,796 |
| Efficiency ratio | 76.1087% | 2,162 |
| Assets per employee ($millions) | 4.4126% | 3,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0405% | 4,390 |
| Loan loss allowance to noncurrent loans | 153.2383% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.3841% | 4,053 |
| Noncurrent loans to loans | 0.6790% | 3,142 |
| Net loans and leases to total assets | 50.9969% | 4,725 |
| Net loans and leases to deposits | 57.3321% | 4,897 |
| Net loans and leases to core deposits | 59.0211% | 4,999 |
| Total domestic deposits to total assets | 88.9501% | 1,129 |
| Equity capital to assets | 8.4152% | 5,622 |
| Core capital (leverage) ratio | 8.7047% | 5,169 |
| Tier 1 risk-based capital ratio | 16.6743% | 2,407 |
| Total risk-based capital ratio | 17.7776% | 2,420 |
| Memoranda: | ||
| Average total assets | $427,039,000 | 1,586 |
| Average earning assets | $398,997,500 | 1,574 |
| Average equity | $36,638,500 | 2,006 |
| Average total loans | $224,898,500 | 1,952 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9392% | 3,568 |
| Cost of funding earning assets | 0.3382% | 3,814 |
| Net interest margin | 3.6011% | 3,133 |
| Noninterest income to average assets | 1.1948% | 844 |
| Noninterest expense to average assets | 3.2236% | 1,907 |
| Loan and lease loss provision to assets | 0.0321% | 3,723 |
| Net operating income to assets | 0.8157% | 3,275 |
| Return on assets (ROA) | 0.8164% | 3,350 |
| Pretax return on assets | 1.2566% | 2,447 |
| Return on Equity (ROE) | 9.0411% | 2,435 |
| Retained earnings to average equity (ytd only) | 9.0411% | 642 |
| Net charge-offs to loans | -0.0224% | 5,305 |
| Credit loss provision to net charge-offs | -255.1020% | 5,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.4570% | 2,994 |
| Assets per employee ($millions) | 4.0472% | 3,852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0562% | 4,279 |
| Loan loss allowance to noncurrent loans | 141.7622% | 2,935 |
| Noncurrent assets plus other real estate owned to assets | 0.4380% | 3,859 |
| Noncurrent loans to loans | 0.7450% | 2,943 |
| Net loans and leases to total assets | 53.3051% | 4,561 |
| Net loans and leases to deposits | 60.2199% | 4,760 |
| Net loans and leases to core deposits | 61.6751% | 4,892 |
| Total domestic deposits to total assets | 88.5175% | 1,372 |
| Equity capital to assets | 8.7554% | 5,344 |
| Core capital (leverage) ratio | 8.6546% | 5,270 |
| Tier 1 risk-based capital ratio | 17.0754% | 2,254 |
| Total risk-based capital ratio | 18.2164% | 2,245 |
| Memoranda: | ||
| Average total assets | $389,781,200 | 1,686 |
| Average earning assets | $358,977,000 | 1,682 |
| Average equity | $35,195,000 | 2,030 |
| Average total loans | $218,743,200 | 1,933 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9673% | 3,474 |
| Cost of funding earning assets | 0.3468% | 3,789 |
| Net interest margin | 3.6205% | 3,080 |
| Noninterest income to average assets | 1.3950% | 640 |
| Noninterest expense to average assets | 3.1949% | 1,981 |
| Loan and lease loss provision to assets | 0.0434% | 3,354 |
| Net operating income to assets | 0.9527% | 2,701 |
| Return on assets (ROA) | 0.9534% | 2,790 |
| Pretax return on assets | 1.4742% | 1,753 |
| Return on Equity (ROE) | 10.4733% | 1,910 |
| Retained earnings to average equity (ytd only) | 10.4733% | 556 |
| Net charge-offs to loans | 0.0061% | 3,964 |
| Credit loss provision to net charge-offs | 1,250.0000% | 292 |
| Earnings coverage of net charge-offs (x) | 436.8980% | 167 |
| Efficiency ratio | 67.8113% | 3,586 |
| Assets per employee ($millions) | 4.2851% | 3,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0279% | 4,597 |
| Loan loss allowance to noncurrent loans | 138.7038% | 2,970 |
| Noncurrent assets plus other real estate owned to assets | 0.4335% | 4,050 |
| Noncurrent loans to loans | 0.7411% | 3,109 |
| Net loans and leases to total assets | 53.0449% | 4,663 |
| Net loans and leases to deposits | 59.8399% | 4,871 |
| Net loans and leases to core deposits | 61.2749% | 4,983 |
| Total domestic deposits to total assets | 88.6448% | 1,211 |
| Equity capital to assets | 8.6864% | 5,584 |
| Core capital (leverage) ratio | 9.0451% | 4,942 |
| Tier 1 risk-based capital ratio | 17.0258% | 2,368 |
| Total risk-based capital ratio | 18.1494% | 2,365 |
| Memoranda: | ||
| Average total assets | $384,022,000 | 1,726 |
| Average earning assets | $351,770,000 | 1,731 |
| Average equity | $34,957,750 | 2,056 |
| Average total loans | $217,828,500 | 1,945 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0506% | 3,068 |
| Cost of funding earning assets | 0.3600% | 3,699 |
| Net interest margin | 3.6906% | 2,751 |
| Noninterest income to average assets | 1.8175% | 424 |
| Noninterest expense to average assets | 3.2441% | 1,855 |
| Loan and lease loss provision to assets | 0.0669% | 2,778 |
| Net operating income to assets | 1.2049% | 1,586 |
| Return on assets (ROA) | 1.2049% | 1,666 |
| Pretax return on assets | 1.8775% | 767 |
| Return on Equity (ROE) | 13.0152% | 1,112 |
| Retained earnings to average equity (ytd only) | 13.0152% | 306 |
| Net charge-offs to loans | 0.0139% | 3,444 |
| Credit loss provision to net charge-offs | 833.3333% | 418 |
| Earnings coverage of net charge-offs (x) | 242.0667% | 290 |
| Efficiency ratio | 62.5245% | 4,588 |
| Assets per employee ($millions) | 4.0010% | 3,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0410% | 4,651 |
| Loan loss allowance to noncurrent loans | 161.0289% | 2,664 |
| Noncurrent assets plus other real estate owned to assets | 0.3733% | 4,398 |
| Noncurrent loans to loans | 0.6464% | 3,541 |
| Net loans and leases to total assets | 57.1503% | 4,202 |
| Net loans and leases to deposits | 65.1330% | 4,424 |
| Net loans and leases to core deposits | 66.8660% | 4,581 |
| Total domestic deposits to total assets | 87.7440% | 1,773 |
| Equity capital to assets | 9.3078% | 4,890 |
| Core capital (leverage) ratio | 9.4815% | 4,306 |
| Tier 1 risk-based capital ratio | 17.0829% | 2,375 |
| Total risk-based capital ratio | 18.2236% | 2,368 |
| Memoranda: | ||
| Average total assets | $373,476,330 | 1,783 |
| Average earning assets | $341,132,670 | 1,798 |
| Average equity | $34,575,000 | 2,086 |
| Average total loans | $216,179,330 | 1,964 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0056% | 3,212 |
| Cost of funding earning assets | 0.3857% | 3,461 |
| Net interest margin | 3.6199% | 2,927 |
| Noninterest income to average assets | 2.9381% | 224 |
| Noninterest expense to average assets | 3.3293% | 1,649 |
| Loan and lease loss provision to assets | 0.1351% | 1,533 |
| Net operating income to assets | 1.7765% | 505 |
| Return on assets (ROA) | 1.7765% | 531 |
| Pretax return on assets | 2.7901% | 164 |
| Return on Equity (ROE) | 19.2430% | 305 |
| Retained earnings to average equity (ytd only) | 19.2430% | 109 |
| Net charge-offs to loans | -0.0037% | 4,437 |
| Credit loss provision to net charge-offs | -6,250.0000% | 5,289 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2308% | 5,732 |
| Assets per employee ($millions) | 4.2465% | 3,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0550% | 4,731 |
| Loan loss allowance to noncurrent loans | 142.9814% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.4768% | 4,121 |
| Noncurrent loans to loans | 0.7379% | 3,419 |
| Net loans and leases to total assets | 57.1240% | 4,074 |
| Net loans and leases to deposits | 64.9750% | 4,274 |
| Net loans and leases to core deposits | 66.8104% | 4,442 |
| Total domestic deposits to total assets | 87.9169% | 1,879 |
| Equity capital to assets | 9.2829% | 4,994 |
| Core capital (leverage) ratio | 9.2733% | 4,621 |
| Tier 1 risk-based capital ratio | 17.2271% | 2,397 |
| Total risk-based capital ratio | 18.4057% | 2,380 |
| Memoranda: | ||
| Average total assets | $370,169,000 | 1,801 |
| Average earning assets | $339,125,500 | 1,810 |
| Average equity | $34,173,500 | 2,121 |
| Average total loans | $214,515,000 | 1,981 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0112% | 3,689 |
| Cost of funding earning assets | 0.4443% | 3,229 |
| Net interest margin | 3.5669% | 3,533 |
| Noninterest income to average assets | 0.8403% | 1,712 |
| Noninterest expense to average assets | 3.3977% | 1,703 |
| Loan and lease loss provision to assets | 0.0504% | 3,554 |
| Net operating income to assets | 0.4034% | 5,211 |
| Return on assets (ROA) | 0.4095% | 5,254 |
| Pretax return on assets | 0.6440% | 4,800 |
| Return on Equity (ROE) | 4.5550% | 4,863 |
| Retained earnings to average equity (ytd only) | 4.5550% | 2,932 |
| Net charge-offs to loans | 0.0388% | 4,051 |
| Credit loss provision to net charge-offs | 230.7692% | 1,090 |
| Earnings coverage of net charge-offs (x) | 31.3718% | 1,292 |
| Efficiency ratio | 83.2236% | 1,494 |
| Assets per employee ($millions) | 3.6606% | 4,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0316% | 4,897 |
| Loan loss allowance to noncurrent loans | 124.6418% | 3,218 |
| Noncurrent assets plus other real estate owned to assets | 0.4815% | 4,195 |
| Noncurrent loans to loans | 0.8277% | 3,241 |
| Net loans and leases to total assets | 57.5772% | 4,108 |
| Net loans and leases to deposits | 65.2615% | 4,405 |
| Net loans and leases to core deposits | 69.3677% | 4,378 |
| Total domestic deposits to total assets | 88.2253% | 1,648 |
| Equity capital to assets | 9.1786% | 5,099 |
| Core capital (leverage) ratio | 9.0840% | 4,844 |
| Tier 1 risk-based capital ratio | 17.2279% | 2,412 |
| Total risk-based capital ratio | 18.3991% | 2,410 |
| Memoranda: | ||
| Average total assets | $357,270,800 | 1,827 |
| Average earning assets | $324,765,600 | 1,847 |
| Average equity | $32,118,800 | 2,157 |
| Average total loans | $201,082,000 | 2,025 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9635% | 3,911 |
| Cost of funding earning assets | 0.4529% | 3,212 |
| Net interest margin | 3.5106% | 3,788 |
| Noninterest income to average assets | 0.8633% | 1,648 |
| Noninterest expense to average assets | 3.4296% | 1,593 |
| Loan and lease loss provision to assets | 0.0674% | 2,999 |
| Net operating income to assets | 0.3725% | 5,358 |
| Return on assets (ROA) | 0.3809% | 5,396 |
| Pretax return on assets | 0.5787% | 5,090 |
| Return on Equity (ROE) | 4.2597% | 5,056 |
| Retained earnings to average equity (ytd only) | 4.2597% | 3,622 |
| Net charge-offs to loans | 0.0242% | 4,029 |
| Credit loss provision to net charge-offs | 500.0000% | 567 |
| Earnings coverage of net charge-offs (x) | 46.9710% | 1,016 |
| Efficiency ratio | 84.4119% | 1,343 |
| Assets per employee ($millions) | 3.5099% | 4,845 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0715% | 4,868 |
| Loan loss allowance to noncurrent loans | 147.8000% | 2,772 |
| Noncurrent assets plus other real estate owned to assets | 0.4149% | 4,673 |
| Noncurrent loans to loans | 0.7250% | 3,793 |
| Net loans and leases to total assets | 56.6196% | 4,249 |
| Net loans and leases to deposits | 63.8725% | 4,552 |
| Net loans and leases to core deposits | 68.0577% | 4,506 |
| Total domestic deposits to total assets | 88.6448% | 1,427 |
| Equity capital to assets | 9.0068% | 5,345 |
| Core capital (leverage) ratio | 8.9964% | 5,075 |
| Tier 1 risk-based capital ratio | 17.2212% | 2,514 |
| Total risk-based capital ratio | 18.4299% | 2,495 |
| Memoranda: | ||
| Average total assets | $355,989,250 | 1,847 |
| Average earning assets | $324,454,250 | 1,862 |
| Average equity | $31,832,750 | 2,182 |
| Average total loans | $198,644,250 | 2,059 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9754% | 3,838 |
| Cost of funding earning assets | 0.4690% | 3,118 |
| Net interest margin | 3.5064% | 3,764 |
| Noninterest income to average assets | 0.9183% | 1,433 |
| Noninterest expense to average assets | 3.4359% | 1,600 |
| Loan and lease loss provision to assets | 0.1017% | 2,322 |
| Net operating income to assets | 0.3567% | 5,383 |
| Return on assets (ROA) | 0.3637% | 5,426 |
| Pretax return on assets | 0.5625% | 5,086 |
| Return on Equity (ROE) | 4.0772% | 5,108 |
| Retained earnings to average equity (ytd only) | 4.0772% | 3,579 |
| Net charge-offs to loans | 0.0306% | 3,584 |
| Credit loss provision to net charge-offs | 600.0000% | 498 |
| Earnings coverage of net charge-offs (x) | 38.5667% | 1,084 |
| Efficiency ratio | 84.0215% | 1,511 |
| Assets per employee ($millions) | 3.5037% | 4,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1186% | 4,819 |
| Loan loss allowance to noncurrent loans | 62.3388% | 4,739 |
| Noncurrent assets plus other real estate owned to assets | 0.9786% | 3,108 |
| Noncurrent loans to loans | 1.7943% | 1,916 |
| Net loans and leases to total assets | 53.9302% | 4,552 |
| Net loans and leases to deposits | 60.8756% | 4,795 |
| Net loans and leases to core deposits | 65.4568% | 4,689 |
| Total domestic deposits to total assets | 88.5909% | 1,588 |
| Equity capital to assets | 8.8711% | 5,441 |
| Core capital (leverage) ratio | 9.2126% | 4,718 |
| Tier 1 risk-based capital ratio | 17.2399% | 2,521 |
| Total risk-based capital ratio | 18.4670% | 2,492 |
| Memoranda: | ||
| Average total assets | $354,147,000 | 1,854 |
| Average earning assets | $320,270,670 | 1,879 |
| Average equity | $31,590,000 | 2,183 |
| Average total loans | $195,890,330 | 2,081 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9593% | 3,860 |
| Cost of funding earning assets | 0.4840% | 3,075 |
| Net interest margin | 3.4753% | 3,803 |
| Noninterest income to average assets | 0.8481% | 1,573 |
| Noninterest expense to average assets | 3.4645% | 1,560 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3688% | 5,239 |
| Return on assets (ROA) | 0.3828% | 5,248 |
| Pretax return on assets | 0.5982% | 4,837 |
| Return on Equity (ROE) | 4.2790% | 4,892 |
| Retained earnings to average equity (ytd only) | 4.2790% | 3,556 |
| Net charge-offs to loans | 0.0144% | 3,310 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 71.8571% | 582 |
| Efficiency ratio | 85.7345% | 1,479 |
| Assets per employee ($millions) | 3.3706% | 5,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0518% | 5,307 |
| Loan loss allowance to noncurrent loans | 124.2333% | 3,064 |
| Noncurrent assets plus other real estate owned to assets | 0.4968% | 4,656 |
| Noncurrent loans to loans | 0.8467% | 3,774 |
| Net loans and leases to total assets | 54.3970% | 4,368 |
| Net loans and leases to deposits | 61.4777% | 4,607 |
| Net loans and leases to core deposits | 65.5133% | 4,547 |
| Total domestic deposits to total assets | 88.4826% | 1,948 |
| Equity capital to assets | 8.8794% | 5,246 |
| Core capital (leverage) ratio | 9.1542% | 4,784 |
| Tier 1 risk-based capital ratio | 17.0356% | 2,673 |
| Total risk-based capital ratio | 18.1767% | 2,681 |
| Memoranda: | ||
| Average total assets | $349,028,500 | 1,881 |
| Average earning assets | $320,663,000 | 1,882 |
| Average equity | $31,222,500 | 2,203 |
| Average total loans | $194,467,500 | 2,099 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2384% | 3,201 |
| Cost of funding earning assets | 0.5155% | 3,448 |
| Net interest margin | 3.7229% | 2,963 |
| Noninterest income to average assets | 0.8378% | 1,909 |
| Noninterest expense to average assets | 3.5756% | 1,493 |
| Loan and lease loss provision to assets | -0.0456% | 6,371 |
| Net operating income to assets | 0.3421% | 5,368 |
| Return on assets (ROA) | 0.3421% | 5,478 |
| Pretax return on assets | 0.6085% | 4,849 |
| Return on Equity (ROE) | 3.6267% | 5,271 |
| Retained earnings to average equity (ytd only) | 3.6267% | 3,642 |
| Net charge-offs to loans | 0.0503% | 4,517 |
| Credit loss provision to net charge-offs | -159.5745% | 5,961 |
| Earnings coverage of net charge-offs (x) | 19.6915% | 1,594 |
| Efficiency ratio | 86.3987% | 1,378 |
| Assets per employee ($millions) | 3.3085% | 5,272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0768% | 5,252 |
| Loan loss allowance to noncurrent loans | 122.3731% | 3,108 |
| Noncurrent assets plus other real estate owned to assets | 0.5300% | 4,653 |
| Noncurrent loans to loans | 0.8799% | 3,783 |
| Net loans and leases to total assets | 55.8859% | 4,339 |
| Net loans and leases to deposits | 63.6707% | 4,537 |
| Net loans and leases to core deposits | 68.1041% | 4,501 |
| Total domestic deposits to total assets | 87.7733% | 2,324 |
| Equity capital to assets | 9.0149% | 5,022 |
| Core capital (leverage) ratio | 9.3800% | 4,436 |
| Tier 1 risk-based capital ratio | 17.2257% | 2,518 |
| Total risk-based capital ratio | 18.3951% | 2,522 |
| Memoranda: | ||
| Average total assets | $328,844,200 | 1,961 |
| Average earning assets | $291,546,600 | 2,031 |
| Average equity | $31,019,800 | 2,192 |
| Average total loans | $186,985,000 | 2,135 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2927% | 3,027 |
| Cost of funding earning assets | 0.5231% | 3,537 |
| Net interest margin | 3.7696% | 2,755 |
| Noninterest income to average assets | 0.8461% | 1,954 |
| Noninterest expense to average assets | 3.5122% | 1,591 |
| Loan and lease loss provision to assets | 0.0614% | 3,816 |
| Net operating income to assets | 0.3281% | 5,498 |
| Return on assets (ROA) | 0.3281% | 5,632 |
| Pretax return on assets | 0.5867% | 5,068 |
| Return on Equity (ROE) | 3.4389% | 5,464 |
| Retained earnings to average equity (ytd only) | 3.4389% | 4,238 |
| Net charge-offs to loans | 0.0776% | 3,836 |
| Credit loss provision to net charge-offs | 138.8889% | 1,683 |
| Earnings coverage of net charge-offs (x) | 14.6663% | 1,925 |
| Efficiency ratio | 84.4217% | 1,547 |
| Assets per employee ($millions) | 3.2279% | 5,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2564% | 4,609 |
| Loan loss allowance to noncurrent loans | 108.5596% | 3,270 |
| Noncurrent assets plus other real estate owned to assets | 0.6873% | 4,395 |
| Noncurrent loans to loans | 1.1574% | 3,501 |
| Net loans and leases to total assets | 55.7626% | 4,355 |
| Net loans and leases to deposits | 63.7295% | 4,548 |
| Net loans and leases to core deposits | 68.4590% | 4,488 |
| Total domestic deposits to total assets | 87.4989% | 2,421 |
| Equity capital to assets | 9.3445% | 4,749 |
| Core capital (leverage) ratio | 9.7158% | 4,082 |
| Tier 1 risk-based capital ratio | 17.1237% | 2,658 |
| Total risk-based capital ratio | 18.3745% | 2,620 |
| Memoranda: | ||
| Average total assets | $325,862,500 | 1,988 |
| Average earning assets | $286,495,000 | 2,085 |
| Average equity | $31,094,750 | 2,204 |
| Average total loans | $185,602,250 | 2,147 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2185% | 3,288 |
| Cost of funding earning assets | 0.5344% | 3,555 |
| Net interest margin | 3.6841% | 3,015 |
| Noninterest income to average assets | 0.8719% | 1,919 |
| Noninterest expense to average assets | 3.5173% | 1,568 |
| Loan and lease loss provision to assets | 0.0371% | 4,210 |
| Net operating income to assets | 0.3133% | 5,556 |
| Return on assets (ROA) | 0.3133% | 5,705 |
| Pretax return on assets | 0.5765% | 5,108 |
| Return on Equity (ROE) | 3.2601% | 5,515 |
| Retained earnings to average equity (ytd only) | 3.2601% | 4,229 |
| Net charge-offs to loans | 0.0984% | 3,378 |
| Credit loss provision to net charge-offs | 65.9341% | 2,913 |
| Earnings coverage of net charge-offs (x) | 10.9121% | 2,107 |
| Efficiency ratio | 85.1458% | 1,506 |
| Assets per employee ($millions) | 3.0607% | 5,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2191% | 4,888 |
| Loan loss allowance to noncurrent loans | 50.5082% | 5,183 |
| Noncurrent assets plus other real estate owned to assets | 1.6206% | 2,681 |
| Noncurrent loans to loans | 2.4137% | 1,943 |
| Net loans and leases to total assets | 57.6370% | 4,041 |
| Net loans and leases to deposits | 65.8792% | 4,281 |
| Net loans and leases to core deposits | 70.9612% | 4,171 |
| Total domestic deposits to total assets | 87.4889% | 2,543 |
| Equity capital to assets | 9.5927% | 4,460 |
| Core capital (leverage) ratio | 9.6671% | 3,987 |
| Tier 1 risk-based capital ratio | 17.6604% | 2,458 |
| Total risk-based capital ratio | 18.9117% | 2,419 |
| Memoranda: | ||
| Average total assets | $323,658,670 | 2,002 |
| Average earning assets | $286,309,670 | 2,089 |
| Average equity | $31,103,670 | 2,212 |
| Average total loans | $184,884,670 | 2,158 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2028% | 3,287 |
| Cost of funding earning assets | 0.5402% | 3,676 |
| Net interest margin | 3.6626% | 3,020 |
| Noninterest income to average assets | 0.9187% | 1,695 |
| Noninterest expense to average assets | 3.5061% | 1,608 |
| Loan and lease loss provision to assets | 0.1108% | 2,846 |
| Net operating income to assets | 0.2993% | 5,569 |
| Return on assets (ROA) | 0.2993% | 5,693 |
| Pretax return on assets | 0.5332% | 5,166 |
| Return on Equity (ROE) | 3.1112% | 5,543 |
| Retained earnings to average equity (ytd only) | 3.1112% | 4,410 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4807% | 1,706 |
| Assets per employee ($millions) | 3.0939% | 5,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2921% | 4,748 |
| Loan loss allowance to noncurrent loans | 48.4989% | 5,226 |
| Noncurrent assets plus other real estate owned to assets | 1.7213% | 2,711 |
| Noncurrent loans to loans | 2.6642% | 1,930 |
| Net loans and leases to total assets | 56.0679% | 4,069 |
| Net loans and leases to deposits | 64.2024% | 4,289 |
| Net loans and leases to core deposits | 70.1451% | 4,062 |
| Total domestic deposits to total assets | 87.3298% | 2,734 |
| Equity capital to assets | 9.5878% | 4,726 |
| Core capital (leverage) ratio | 9.4690% | 4,137 |
| Tier 1 risk-based capital ratio | 17.7273% | 2,476 |
| Total risk-based capital ratio | 18.9797% | 2,438 |
| Memoranda: | ||
| Average total assets | $324,803,000 | 2,025 |
| Average earning assets | $286,571,000 | 2,113 |
| Average equity | $31,241,500 | 2,225 |
| Average total loans | $183,570,000 | 2,175 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4812% | 3,482 |
| Cost of funding earning assets | 0.6280% | 4,114 |
| Net interest margin | 3.8532% | 3,009 |
| Noninterest income to average assets | 1.0063% | 1,519 |
| Noninterest expense to average assets | 3.7215% | 1,376 |
| Loan and lease loss provision to assets | 0.0704% | 4,862 |
| Net operating income to assets | 0.2798% | 5,540 |
| Return on assets (ROA) | 0.3265% | 5,589 |
| Pretax return on assets | 0.7150% | 4,615 |
| Return on Equity (ROE) | 3.4522% | 5,368 |
| Retained earnings to average equity (ytd only) | 3.4522% | 3,798 |
| Net charge-offs to loans | 0.1178% | 4,511 |
| Credit loss provision to net charge-offs | 103.2864% | 2,904 |
| Earnings coverage of net charge-offs (x) | 10.4601% | 2,137 |
| Efficiency ratio | 83.9319% | 1,640 |
| Assets per employee ($millions) | 3.0633% | 5,914 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2811% | 4,734 |
| Loan loss allowance to noncurrent loans | 48.0406% | 5,233 |
| Noncurrent assets plus other real estate owned to assets | 1.7137% | 2,829 |
| Noncurrent loans to loans | 2.6668% | 1,986 |
| Net loans and leases to total assets | 55.5070% | 4,380 |
| Net loans and leases to deposits | 63.5589% | 4,588 |
| Net loans and leases to core deposits | 69.5649% | 4,370 |
| Total domestic deposits to total assets | 87.3315% | 2,627 |
| Equity capital to assets | 9.6500% | 4,655 |
| Core capital (leverage) ratio | 9.7044% | 3,796 |
| Tier 1 risk-based capital ratio | 18.4704% | 2,111 |
| Total risk-based capital ratio | 19.7225% | 2,077 |
| Memoranda: | ||
| Average total assets | $312,721,000 | 2,053 |
| Average earning assets | $278,187,000 | 2,112 |
| Average equity | $29,575,400 | 2,274 |
| Average total loans | $180,791,600 | 2,188 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5213% | 3,552 |
| Cost of funding earning assets | 0.6330% | 4,333 |
| Net interest margin | 3.8882% | 2,953 |
| Noninterest income to average assets | 0.8906% | 1,866 |
| Noninterest expense to average assets | 3.7402% | 1,304 |
| Loan and lease loss provision to assets | 0.1074% | 4,225 |
| Net operating income to assets | 0.3150% | 5,562 |
| Return on assets (ROA) | 0.3178% | 5,756 |
| Pretax return on assets | 0.5157% | 5,416 |
| Return on Equity (ROE) | 3.3778% | 5,543 |
| Retained earnings to average equity (ytd only) | 3.3778% | 4,492 |
| Net charge-offs to loans | 0.1342% | 4,047 |
| Credit loss provision to net charge-offs | 137.3626% | 2,097 |
| Earnings coverage of net charge-offs (x) | 7.9176% | 2,530 |
| Efficiency ratio | 85.8044% | 1,394 |
| Assets per employee ($millions) | 3.1434% | 5,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2996% | 4,819 |
| Loan loss allowance to noncurrent loans | 49.7803% | 5,139 |
| Noncurrent assets plus other real estate owned to assets | 1.9282% | 2,746 |
| Noncurrent loans to loans | 2.6108% | 2,185 |
| Net loans and leases to total assets | 54.7398% | 4,634 |
| Net loans and leases to deposits | 62.3270% | 4,928 |
| Net loans and leases to core deposits | 68.7621% | 4,641 |
| Total domestic deposits to total assets | 87.8268% | 2,155 |
| Equity capital to assets | 9.3454% | 5,413 |
| Core capital (leverage) ratio | 9.4221% | 4,387 |
| Tier 1 risk-based capital ratio | 17.9524% | 2,370 |
| Total risk-based capital ratio | 19.2054% | 2,342 |
| Memoranda: | ||
| Average total assets | $310,489,250 | 2,100 |
| Average earning assets | $276,966,250 | 2,140 |
| Average equity | $29,209,500 | 2,323 |
| Average total loans | $180,776,000 | 2,216 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6028% | 3,347 |
| Cost of funding earning assets | 0.6702% | 4,274 |
| Net interest margin | 3.9327% | 2,781 |
| Noninterest income to average assets | 0.9771% | 1,523 |
| Noninterest expense to average assets | 3.8050% | 1,206 |
| Loan and lease loss provision to assets | 0.1184% | 4,049 |
| Net operating income to assets | 0.3500% | 5,429 |
| Return on assets (ROA) | 0.3500% | 5,654 |
| Pretax return on assets | 0.5711% | 5,244 |
| Return on Equity (ROE) | 3.7119% | 5,400 |
| Retained earnings to average equity (ytd only) | 3.7119% | 4,130 |
| Net charge-offs to loans | 0.0556% | 4,639 |
| Credit loss provision to net charge-offs | 360.0000% | 812 |
| Earnings coverage of net charge-offs (x) | 20.9600% | 1,363 |
| Efficiency ratio | 84.6582% | 1,569 |
| Assets per employee ($millions) | 2.9752% | 6,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3249% | 4,769 |
| Loan loss allowance to noncurrent loans | 48.5379% | 5,198 |
| Noncurrent assets plus other real estate owned to assets | 2.1298% | 2,628 |
| Noncurrent loans to loans | 2.7296% | 2,203 |
| Net loans and leases to total assets | 58.7308% | 4,034 |
| Net loans and leases to deposits | 66.9700% | 4,367 |
| Net loans and leases to core deposits | 75.2292% | 3,848 |
| Total domestic deposits to total assets | 87.6972% | 2,337 |
| Equity capital to assets | 9.8867% | 4,505 |
| Core capital (leverage) ratio | 9.6797% | 3,867 |
| Tier 1 risk-based capital ratio | 17.8865% | 2,331 |
| Total risk-based capital ratio | 19.1399% | 2,297 |
| Memoranda: | ||
| Average total assets | $303,967,670 | 2,132 |
| Average earning assets | $271,875,670 | 2,175 |
| Average equity | $28,664,330 | 2,350 |
| Average total loans | $180,018,000 | 2,231 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6071% | 3,470 |
| Cost of funding earning assets | 0.6963% | 4,313 |
| Net interest margin | 3.9108% | 2,878 |
| Noninterest income to average assets | 0.9760% | 1,498 |
| Noninterest expense to average assets | 3.7817% | 1,237 |
| Loan and lease loss provision to assets | 0.1195% | 3,852 |
| Net operating income to assets | 0.3466% | 5,492 |
| Return on assets (ROA) | 0.3466% | 5,664 |
| Pretax return on assets | 0.5577% | 5,246 |
| Return on Equity (ROE) | 3.7688% | 5,399 |
| Retained earnings to average equity (ytd only) | 3.7688% | 4,328 |
| Net charge-offs to loans | 0.0832% | 3,669 |
| Credit loss provision to net charge-offs | 243.2432% | 1,169 |
| Earnings coverage of net charge-offs (x) | 13.7838% | 1,512 |
| Efficiency ratio | 84.8124% | 1,595 |
| Assets per employee ($millions) | 3.0571% | 6,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3173% | 4,940 |
| Loan loss allowance to noncurrent loans | 54.7752% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 1.8847% | 3,067 |
| Noncurrent loans to loans | 2.4050% | 2,702 |
| Net loans and leases to total assets | 56.7673% | 4,249 |
| Net loans and leases to deposits | 63.0750% | 4,759 |
| Net loans and leases to core deposits | 71.4183% | 4,233 |
| Total domestic deposits to total assets | 89.9997% | 1,086 |
| Equity capital to assets | 9.7479% | 4,459 |
| Core capital (leverage) ratio | 9.9241% | 3,463 |
| Tier 1 risk-based capital ratio | 18.3372% | 2,191 |
| Total risk-based capital ratio | 19.5903% | 2,162 |
| Memoranda: | ||
| Average total assets | $301,243,000 | 2,158 |
| Average earning assets | $268,282,500 | 2,218 |
| Average equity | $27,701,000 | 2,409 |
| Average total loans | $177,945,500 | 2,267 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6741% | 4,355 |
| Cost of funding earning assets | 0.7538% | 5,181 |
| Net interest margin | 3.9203% | 3,256 |
| Noninterest income to average assets | 0.9427% | 1,528 |
| Noninterest expense to average assets | 4.0332% | 991 |
| Loan and lease loss provision to assets | 0.2486% | 3,723 |
| Net operating income to assets | 0.2038% | 5,581 |
| Return on assets (ROA) | 0.2603% | 5,543 |
| Pretax return on assets | 0.4202% | 5,230 |
| Return on Equity (ROE) | 2.9921% | 5,285 |
| Retained earnings to average equity (ytd only) | 2.9921% | 4,099 |
| Net charge-offs to loans | 0.3074% | 3,863 |
| Credit loss provision to net charge-offs | 131.9471% | 2,310 |
| Earnings coverage of net charge-offs (x) | 3.0813% | 3,666 |
| Efficiency ratio | 87.4180% | 1,407 |
| Assets per employee ($millions) | 2.8779% | 6,321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3087% | 4,862 |
| Loan loss allowance to noncurrent loans | 55.9729% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 1.9607% | 3,022 |
| Noncurrent loans to loans | 2.3380% | 2,809 |
| Net loans and leases to total assets | 59.9335% | 4,004 |
| Net loans and leases to deposits | 65.8403% | 4,760 |
| Net loans and leases to core deposits | 75.1992% | 4,077 |
| Total domestic deposits to total assets | 91.0285% | 495 |
| Equity capital to assets | 8.6031% | 6,010 |
| Core capital (leverage) ratio | 8.3759% | 5,743 |
| Tier 1 risk-based capital ratio | 15.2917% | 3,458 |
| Total risk-based capital ratio | 16.5447% | 3,411 |
| Memoranda: | ||
| Average total assets | $280,792,400 | 2,261 |
| Average earning assets | $262,937,600 | 2,220 |
| Average equity | $24,431,000 | 2,629 |
| Average total loans | $172,115,800 | 2,353 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6477% | 4,683 |
| Cost of funding earning assets | 0.7589% | 5,409 |
| Net interest margin | 3.8889% | 3,438 |
| Noninterest income to average assets | 0.9543% | 1,474 |
| Noninterest expense to average assets | 4.0613% | 939 |
| Loan and lease loss provision to assets | 0.2913% | 3,185 |
| Net operating income to assets | 0.1636% | 5,790 |
| Return on assets (ROA) | 0.2074% | 5,815 |
| Pretax return on assets | 0.3353% | 5,630 |
| Return on Equity (ROE) | 2.3770% | 5,659 |
| Retained earnings to average equity (ytd only) | 2.3770% | 4,930 |
| Net charge-offs to loans | 0.3508% | 3,339 |
| Credit loss provision to net charge-offs | 135.1111% | 2,359 |
| Earnings coverage of net charge-offs (x) | 2.5889% | 3,823 |
| Efficiency ratio | 87.9187% | 1,352 |
| Assets per employee ($millions) | 2.8698% | 6,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 4,938 |
| Loan loss allowance to noncurrent loans | 55.3442% | 4,688 |
| Noncurrent assets plus other real estate owned to assets | 2.3582% | 2,722 |
| Noncurrent loans to loans | 2.3762% | 2,918 |
| Net loans and leases to total assets | 58.9374% | 4,335 |
| Net loans and leases to deposits | 64.6626% | 5,091 |
| Net loans and leases to core deposits | 73.8342% | 4,469 |
| Total domestic deposits to total assets | 91.1461% | 391 |
| Equity capital to assets | 8.3982% | 6,400 |
| Core capital (leverage) ratio | 8.4975% | 5,716 |
| Tier 1 risk-based capital ratio | 14.9465% | 3,693 |
| Total risk-based capital ratio | 16.1998% | 3,663 |
| Memoranda: | ||
| Average total assets | $278,324,500 | 2,286 |
| Average earning assets | $262,316,000 | 2,231 |
| Average equity | $24,287,250 | 2,647 |
| Average total loans | $171,016,000 | 2,380 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 4,672 |
| Cost of funding earning assets | 0.7550% | 5,642 |
| Net interest margin | 3.9126% | 3,249 |
| Noninterest income to average assets | 0.9959% | 1,332 |
| Noninterest expense to average assets | 4.1225% | 894 |
| Loan and lease loss provision to assets | 0.1952% | 3,978 |
| Net operating income to assets | 0.2336% | 5,618 |
| Return on assets (ROA) | 0.3005% | 5,511 |
| Pretax return on assets | 0.4848% | 5,117 |
| Return on Equity (ROE) | 3.3983% | 5,211 |
| Retained earnings to average equity (ytd only) | 3.3983% | 4,099 |
| Net charge-offs to loans | 0.2062% | 3,915 |
| Credit loss provision to net charge-offs | 152.5714% | 2,001 |
| Earnings coverage of net charge-offs (x) | 4.4971% | 2,849 |
| Efficiency ratio | 87.7510% | 1,438 |
| Assets per employee ($millions) | 2.7794% | 6,503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 5,139 |
| Loan loss allowance to noncurrent loans | 50.3155% | 5,001 |
| Noncurrent assets plus other real estate owned to assets | 2.2488% | 2,917 |
| Noncurrent loans to loans | 2.5499% | 2,832 |
| Net loans and leases to total assets | 61.2032% | 4,046 |
| Net loans and leases to deposits | 67.3926% | 4,800 |
| Net loans and leases to core deposits | 77.4514% | 4,126 |
| Total domestic deposits to total assets | 90.8159% | 580 |
| Equity capital to assets | 8.7955% | 5,819 |
| Core capital (leverage) ratio | 8.7598% | 5,115 |
| Tier 1 risk-based capital ratio | 14.9346% | 3,526 |
| Total risk-based capital ratio | 16.1867% | 3,499 |
| Memoranda: | ||
| Average total assets | $273,526,330 | 2,338 |
| Average earning assets | $258,802,670 | 2,265 |
| Average equity | $24,188,670 | 2,637 |
| Average total loans | $169,748,000 | 2,414 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7053% | 4,500 |
| Cost of funding earning assets | 0.7367% | 5,940 |
| Net interest margin | 3.9687% | 2,830 |
| Noninterest income to average assets | 1.0833% | 1,122 |
| Noninterest expense to average assets | 4.2782% | 740 |
| Loan and lease loss provision to assets | 0.1334% | 4,337 |
| Net operating income to assets | 0.2626% | 5,570 |
| Return on assets (ROA) | 0.2949% | 5,503 |
| Pretax return on assets | 0.4742% | 5,105 |
| Return on Equity (ROE) | 3.3253% | 5,228 |
| Retained earnings to average equity (ytd only) | 3.3253% | 4,186 |
| Net charge-offs to loans | 0.2673% | 2,998 |
| Credit loss provision to net charge-offs | 80.3571% | 3,152 |
| Earnings coverage of net charge-offs (x) | 3.3571% | 2,767 |
| Efficiency ratio | 88.4769% | 1,462 |
| Assets per employee ($millions) | 2.6734% | 6,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2452% | 5,423 |
| Loan loss allowance to noncurrent loans | 67.1845% | 4,057 |
| Noncurrent assets plus other real estate owned to assets | 1.6635% | 3,759 |
| Noncurrent loans to loans | 1.8534% | 3,752 |
| Net loans and leases to total assets | 61.6288% | 3,941 |
| Net loans and leases to deposits | 67.8086% | 4,703 |
| Net loans and leases to core deposits | 77.1947% | 4,132 |
| Total domestic deposits to total assets | 90.8865% | 683 |
| Equity capital to assets | 8.8172% | 5,466 |
| Core capital (leverage) ratio | 8.7902% | 4,948 |
| Tier 1 risk-based capital ratio | 14.3666% | 3,825 |
| Total risk-based capital ratio | 15.6174% | 3,789 |
| Memoranda: | ||
| Average total assets | $269,927,500 | 2,392 |
| Average earning assets | $255,200,000 | 2,314 |
| Average equity | $23,937,500 | 2,646 |
| Average total loans | $167,599,500 | 2,467 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6236% | 6,045 |
| Cost of funding earning assets | 0.8837% | 6,224 |
| Net interest margin | 3.7399% | 4,180 |
| Noninterest income to average assets | 1.1344% | 1,147 |
| Noninterest expense to average assets | 4.6846% | 554 |
| Loan and lease loss provision to assets | 0.3299% | 4,175 |
| Net operating income to assets | -0.1645% | 6,065 |
| Return on assets (ROA) | -0.1143% | 6,064 |
| Pretax return on assets | -0.3051% | 6,164 |
| Return on Equity (ROE) | -1.2816% | 6,094 |
| Retained earnings to average equity (ytd only) | -1.2816% | 5,853 |
| Net charge-offs to loans | 0.5607% | 3,374 |
| Credit loss provision to net charge-offs | 96.8575% | 4,794 |
| Earnings coverage of net charge-offs (x) | -0.1571% | 6,265 |
| Efficiency ratio | 101.1558% | 744 |
| Assets per employee ($millions) | 2.6453% | 6,777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2974% | 5,017 |
| Loan loss allowance to noncurrent loans | 65.2943% | 4,128 |
| Noncurrent assets plus other real estate owned to assets | 1.7004% | 3,753 |
| Noncurrent loans to loans | 1.9869% | 3,582 |
| Net loans and leases to total assets | 60.9673% | 4,496 |
| Net loans and leases to deposits | 67.2295% | 5,211 |
| Net loans and leases to core deposits | 76.2683% | 4,671 |
| Total domestic deposits to total assets | 90.6854% | 755 |
| Equity capital to assets | 8.9201% | 5,255 |
| Core capital (leverage) ratio | 9.0027% | 4,550 |
| Tier 1 risk-based capital ratio | 14.7730% | 3,383 |
| Total risk-based capital ratio | 16.0248% | 3,338 |
| Memoranda: | ||
| Average total assets | $261,558,400 | 2,440 |
| Average earning assets | $244,551,800 | 2,387 |
| Average equity | $23,330,200 | 2,719 |
| Average total loans | $158,897,600 | 2,629 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5282% | 6,535 |
| Cost of funding earning assets | 0.9133% | 6,342 |
| Net interest margin | 3.6149% | 4,809 |
| Noninterest income to average assets | 1.1434% | 1,075 |
| Noninterest expense to average assets | 4.4998% | 595 |
| Loan and lease loss provision to assets | 0.2475% | 4,612 |
| Net operating income to assets | -0.0835% | 6,164 |
| Return on assets (ROA) | -0.0543% | 6,220 |
| Pretax return on assets | -0.1871% | 6,309 |
| Return on Equity (ROE) | -0.6091% | 6,235 |
| Retained earnings to average equity (ytd only) | -0.6091% | 5,945 |
| Net charge-offs to loans | 0.4770% | 3,366 |
| Credit loss provision to net charge-offs | 85.7904% | 4,928 |
| Earnings coverage of net charge-offs (x) | 0.0515% | 5,975 |
| Efficiency ratio | 99.6708% | 750 |
| Assets per employee ($millions) | 2.6963% | 6,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2785% | 5,070 |
| Loan loss allowance to noncurrent loans | 53.8263% | 4,709 |
| Noncurrent assets plus other real estate owned to assets | 2.5751% | 2,800 |
| Noncurrent loans to loans | 2.3753% | 3,263 |
| Net loans and leases to total assets | 60.4266% | 4,829 |
| Net loans and leases to deposits | 66.9135% | 5,557 |
| Net loans and leases to core deposits | 75.2147% | 5,155 |
| Total domestic deposits to total assets | 90.3056% | 722 |
| Equity capital to assets | 9.2329% | 5,256 |
| Core capital (leverage) ratio | 9.1715% | 4,422 |
| Tier 1 risk-based capital ratio | 14.2554% | 3,659 |
| Total risk-based capital ratio | 15.4897% | 3,634 |
| Memoranda: | ||
| Average total assets | $260,155,250 | 2,485 |
| Average earning assets | $242,620,000 | 2,440 |
| Average equity | $23,204,750 | 2,776 |
| Average total loans | $157,365,000 | 2,695 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4765% | 6,759 |
| Cost of funding earning assets | 0.9554% | 6,361 |
| Net interest margin | 3.5211% | 5,156 |
| Noninterest income to average assets | 1.1951% | 905 |
| Noninterest expense to average assets | 4.5740% | 532 |
| Loan and lease loss provision to assets | 0.1900% | 4,979 |
| Net operating income to assets | -0.1752% | 6,325 |
| Return on assets (ROA) | -0.1311% | 6,340 |
| Pretax return on assets | -0.2102% | 6,348 |
| Return on Equity (ROE) | -1.4874% | 6,371 |
| Retained earnings to average equity (ytd only) | -1.4874% | 6,060 |
| Net charge-offs to loans | 0.5162% | 2,984 |
| Credit loss provision to net charge-offs | 61.0973% | 5,184 |
| Earnings coverage of net charge-offs (x) | -0.2868% | 5,921 |
| Efficiency ratio | 101.9886% | 736 |
| Assets per employee ($millions) | 2.5329% | 7,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2902% | 4,981 |
| Loan loss allowance to noncurrent loans | 47.3647% | 5,138 |
| Noncurrent assets plus other real estate owned to assets | 2.8100% | 2,573 |
| Noncurrent loans to loans | 2.7241% | 2,926 |
| Net loans and leases to total assets | 58.4631% | 5,339 |
| Net loans and leases to deposits | 64.3001% | 6,001 |
| Net loans and leases to core deposits | 72.7014% | 5,597 |
| Total domestic deposits to total assets | 90.9221% | 519 |
| Equity capital to assets | 8.7017% | 5,880 |
| Core capital (leverage) ratio | 8.6506% | 5,154 |
| Tier 1 risk-based capital ratio | 13.7648% | 3,900 |
| Total risk-based capital ratio | 14.9931% | 3,872 |
| Memoranda: | ||
| Average total assets | $257,894,670 | 2,530 |
| Average earning assets | $240,946,000 | 2,470 |
| Average equity | $22,724,330 | 2,833 |
| Average total loans | $155,356,670 | 2,754 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0241% | 7,436 |
| Cost of funding earning assets | 0.9776% | 6,479 |
| Net interest margin | 3.0465% | 6,722 |
| Noninterest income to average assets | 1.2496% | 788 |
| Noninterest expense to average assets | 4.3397% | 686 |
| Loan and lease loss provision to assets | 0.3841% | 3,059 |
| Net operating income to assets | -0.3716% | 6,739 |
| Return on assets (ROA) | -0.3716% | 6,783 |
| Pretax return on assets | -0.6162% | 6,852 |
| Return on Equity (ROE) | -4.1900% | 6,839 |
| Retained earnings to average equity (ytd only) | -4.1900% | 6,524 |
| Net charge-offs to loans | 0.5006% | 2,564 |
| Credit loss provision to net charge-offs | 126.2887% | 2,787 |
| Earnings coverage of net charge-offs (x) | -0.7629% | 5,341 |
| Efficiency ratio | 105.6489% | 686 |
| Assets per employee ($millions) | 2.5752% | 7,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4160% | 4,340 |
| Loan loss allowance to noncurrent loans | 34.9496% | 6,053 |
| Noncurrent assets plus other real estate owned to assets | 3.1596% | 2,270 |
| Noncurrent loans to loans | 4.0516% | 1,927 |
| Net loans and leases to total assets | 59.4228% | 5,214 |
| Net loans and leases to deposits | 65.2434% | 5,904 |
| Net loans and leases to core deposits | 73.4342% | 5,556 |
| Total domestic deposits to total assets | 91.0787% | 510 |
| Equity capital to assets | 8.6541% | 5,797 |
| Core capital (leverage) ratio | 8.7884% | 4,873 |
| Tier 1 risk-based capital ratio | 13.5478% | 3,953 |
| Total risk-based capital ratio | 14.7987% | 3,919 |
| Memoranda: | ||
| Average total assets | $255,131,500 | 2,601 |
| Average earning assets | $239,355,500 | 2,540 |
| Average equity | $22,625,500 | 2,861 |
| Average total loans | $155,026,500 | 2,826 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7172% | 7,113 |
| Cost of funding earning assets | 1.0879% | 7,014 |
| Net interest margin | 3.6293% | 4,435 |
| Noninterest income to average assets | 1.2481% | 970 |
| Noninterest expense to average assets | 5.0140% | 513 |
| Loan and lease loss provision to assets | 0.8608% | 2,584 |
| Net operating income to assets | -0.7559% | 6,409 |
| Return on assets (ROA) | -0.5552% | 6,227 |
| Pretax return on assets | -0.8920% | 6,340 |
| Return on Equity (ROE) | -5.5569% | 6,271 |
| Retained earnings to average equity (ytd only) | -5.5569% | 6,095 |
| Net charge-offs to loans | 0.9017% | 2,586 |
| Credit loss provision to net charge-offs | 147.8670% | 3,171 |
| Earnings coverage of net charge-offs (x) | -0.5922% | 6,748 |
| Efficiency ratio | 107.3837% | 858 |
| Assets per employee ($millions) | 2.5527% | 7,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4157% | 4,144 |
| Loan loss allowance to noncurrent loans | 24.1272% | 6,849 |
| Noncurrent assets plus other real estate owned to assets | 4.6921% | 1,356 |
| Noncurrent loans to loans | 5.8678% | 1,068 |
| Net loans and leases to total assets | 60.4023% | 5,274 |
| Net loans and leases to deposits | 66.9431% | 5,956 |
| Net loans and leases to core deposits | 95.1010% | 4,560 |
| Total domestic deposits to total assets | 90.2293% | 863 |
| Equity capital to assets | 9.0908% | 4,998 |
| Core capital (leverage) ratio | 9.0067% | 4,407 |
| Tier 1 risk-based capital ratio | 13.6749% | 3,699 |
| Total risk-based capital ratio | 14.9803% | 3,607 |
| Memoranda: | ||
| Average total assets | $237,556,400 | 2,739 |
| Average earning assets | $223,925,000 | 2,663 |
| Average equity | $23,736,400 | 2,765 |
| Average total loans | $153,372,800 | 2,870 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8284% | 7,054 |
| Cost of funding earning assets | 1.1112% | 7,154 |
| Net interest margin | 3.7172% | 4,000 |
| Noninterest income to average assets | 1.2468% | 991 |
| Noninterest expense to average assets | 4.9605% | 502 |
| Loan and lease loss provision to assets | 0.1593% | 5,757 |
| Net operating income to assets | -0.2298% | 6,112 |
| Return on assets (ROA) | -0.0830% | 5,899 |
| Pretax return on assets | -0.1331% | 5,888 |
| Return on Equity (ROE) | -0.8116% | 5,903 |
| Retained earnings to average equity (ytd only) | -0.8116% | 5,440 |
| Net charge-offs to loans | 0.2868% | 4,237 |
| Credit loss provision to net charge-offs | 84.8485% | 5,628 |
| Earnings coverage of net charge-offs (x) | -1.0818% | 6,643 |
| Efficiency ratio | 104.2683% | 907 |
| Assets per employee ($millions) | 2.3207% | 7,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9149% | 6,692 |
| Loan loss allowance to noncurrent loans | 35.6305% | 6,031 |
| Noncurrent assets plus other real estate owned to assets | 2.5476% | 2,724 |
| Noncurrent loans to loans | 2.5678% | 2,937 |
| Net loans and leases to total assets | 64.1886% | 4,826 |
| Net loans and leases to deposits | 71.4094% | 5,748 |
| Net loans and leases to core deposits | 95.9826% | 4,816 |
| Total domestic deposits to total assets | 89.8881% | 813 |
| Equity capital to assets | 9.6700% | 4,532 |
| Core capital (leverage) ratio | 9.8392% | 3,467 |
| Tier 1 risk-based capital ratio | 14.7162% | 3,176 |
| Total risk-based capital ratio | 15.6126% | 3,292 |
| Memoranda: | ||
| Average total assets | $234,404,000 | 2,788 |
| Average earning assets | $221,377,000 | 2,703 |
| Average equity | $23,985,000 | 2,759 |
| Average total loans | $153,397,000 | 2,895 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8311% | 7,172 |
| Cost of funding earning assets | 1.1525% | 7,235 |
| Net interest margin | 3.6787% | 4,050 |
| Noninterest income to average assets | 1.3134% | 890 |
| Noninterest expense to average assets | 5.0056% | 512 |
| Loan and lease loss provision to assets | 0.1735% | 5,324 |
| Net operating income to assets | -0.2471% | 6,257 |
| Return on assets (ROA) | -0.1050% | 6,063 |
| Pretax return on assets | -0.1683% | 6,084 |
| Return on Equity (ROE) | -1.0062% | 6,074 |
| Retained earnings to average equity (ytd only) | -1.0062% | 5,487 |
| Net charge-offs to loans | 0.1228% | 4,933 |
| Credit loss provision to net charge-offs | 215.0538% | 2,136 |
| Earnings coverage of net charge-offs (x) | -2.6882% | 6,393 |
| Efficiency ratio | 104.5290% | 1,013 |
| Assets per employee ($millions) | 2.1923% | 7,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0251% | 6,048 |
| Loan loss allowance to noncurrent loans | 40.7314% | 5,655 |
| Noncurrent assets plus other real estate owned to assets | 2.2575% | 2,885 |
| Noncurrent loans to loans | 2.5168% | 2,876 |
| Net loans and leases to total assets | 64.6590% | 4,845 |
| Net loans and leases to deposits | 72.0296% | 5,729 |
| Net loans and leases to core deposits | 99.3305% | 4,577 |
| Total domestic deposits to total assets | 89.7673% | 927 |
| Equity capital to assets | 9.8993% | 4,084 |
| Core capital (leverage) ratio | 10.2628% | 3,029 |
| Tier 1 risk-based capital ratio | 14.9204% | 3,058 |
| Total risk-based capital ratio | 15.9261% | 3,098 |
| Memoranda: | ||
| Average total assets | $230,539,670 | 2,855 |
| Average earning assets | $217,796,000 | 2,770 |
| Average equity | $24,050,670 | 2,749 |
| Average total loans | $151,409,330 | 2,953 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8702% | 7,244 |
| Cost of funding earning assets | 1.1860% | 7,332 |
| Net interest margin | 3.6842% | 3,965 |
| Noninterest income to average assets | 1.4456% | 672 |
| Noninterest expense to average assets | 5.0560% | 465 |
| Loan and lease loss provision to assets | 0.0710% | 6,074 |
| Net operating income to assets | -0.1294% | 6,454 |
| Return on assets (ROA) | -0.1101% | 6,537 |
| Pretax return on assets | -0.1758% | 6,546 |
| Return on Equity (ROE) | -1.0273% | 6,538 |
| Retained earnings to average equity (ytd only) | -1.0273% | 5,889 |
| Net charge-offs to loans | 0.0809% | 4,358 |
| Credit loss provision to net charge-offs | 133.3333% | 3,026 |
| Earnings coverage of net charge-offs (x) | -2.5333% | 5,495 |
| Efficiency ratio | 102.7427% | 1,025 |
| Assets per employee ($millions) | 2.0244% | 7,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0250% | 5,988 |
| Loan loss allowance to noncurrent loans | 38.2850% | 5,994 |
| Noncurrent assets plus other real estate owned to assets | 1.6740% | 3,414 |
| Noncurrent loans to loans | 2.6774% | 2,456 |
| Net loans and leases to total assets | 61.8822% | 5,352 |
| Net loans and leases to deposits | 69.1770% | 6,060 |
| Net loans and leases to core deposits | 96.3738% | 4,921 |
| Total domestic deposits to total assets | 89.4549% | 1,028 |
| Equity capital to assets | 10.1774% | 3,784 |
| Core capital (leverage) ratio | 11.0673% | 2,454 |
| Tier 1 risk-based capital ratio | 15.5206% | 2,845 |
| Total risk-based capital ratio | 16.5015% | 2,899 |
| Memoranda: | ||
| Average total assets | $225,235,500 | 2,929 |
| Average earning assets | $212,476,500 | 2,853 |
| Average equity | $24,140,000 | 2,748 |
| Average total loans | $148,344,500 | 3,033 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8997% | 6,035 |
| Cost of funding earning assets | 1.4519% | 7,678 |
| Net interest margin | 4.4478% | 1,545 |
| Noninterest income to average assets | 1.3242% | 830 |
| Noninterest expense to average assets | 5.5300% | 492 |
| Loan and lease loss provision to assets | 0.3194% | 3,817 |
| Net operating income to assets | -0.2190% | 6,640 |
| Return on assets (ROA) | -0.1742% | 6,436 |
| Pretax return on assets | -0.2639% | 6,427 |
| Return on Equity (ROE) | -1.7715% | 6,474 |
| Retained earnings to average equity (ytd only) | -1.7715% | 5,805 |
| Net charge-offs to loans | 0.1320% | 4,896 |
| Credit loss provision to net charge-offs | 352.3560% | 1,278 |
| Earnings coverage of net charge-offs (x) | -0.1361% | 6,340 |
| Efficiency ratio | 100.2237% | 973 |
| Assets per employee ($millions) | 1.8103% | 8,037 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 5,889 |
| Loan loss allowance to noncurrent loans | 42.3834% | 5,900 |
| Noncurrent assets plus other real estate owned to assets | 1.6656% | 2,918 |
| Noncurrent loans to loans | 2.3944% | 2,295 |
| Net loans and leases to total assets | 68.8582% | 4,287 |
| Net loans and leases to deposits | 78.5611% | 5,260 |
| Net loans and leases to core deposits | 108.7743% | 3,885 |
| Total domestic deposits to total assets | 87.6492% | 1,637 |
| Equity capital to assets | 11.3167% | 2,786 |
| Core capital (leverage) ratio | 11.3103% | 2,365 |
| Tier 1 risk-based capital ratio | 15.8298% | 2,734 |
| Total risk-based capital ratio | 16.8210% | 2,752 |
| Memoranda: | ||
| Average total assets | $210,687,800 | 3,001 |
| Average earning assets | $198,638,600 | 2,909 |
| Average equity | $20,717,200 | 3,131 |
| Average total loans | $144,655,800 | 3,013 |