Home > Country Bank > Performance and Condition Ratios
Country Bank, Performance and Condition Ratios
| 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 | 5.1812% | 1,034 |
| Cost of funding earning assets | 1.4718% | 433 |
| Net interest margin | 3.7093% | 2,792 |
| Noninterest income to average assets | 0.0646% | 5,002 |
| Noninterest expense to average assets | 2.0543% | 4,441 |
| Loan and lease loss provision to assets | 0.0649% | 2,729 |
| Net operating income to assets | 1.2798% | 1,769 |
| Return on assets (ROA) | 1.2915% | 1,803 |
| Pretax return on assets | 1.5700% | 1,590 |
| Return on Equity (ROE) | 11.9870% | 1,518 |
| Retained earnings to average equity (ytd only) | 6.2061% | 1,764 |
| Net charge-offs to loans | 0.0073% | 3,415 |
| Credit loss provision to net charge-offs | 1,162.7907% | 297 |
| Earnings coverage of net charge-offs (x) | 290.4419% | 289 |
| Efficiency ratio | 55.9020% | 4,214 |
| Assets per employee ($millions) | 14.7357% | 130 |
| Cash dividends to net income (ytd only)* | 48.2267% | 2,176 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2138% | 2,355 |
| Loan loss allowance to noncurrent loans | 179.6287% | 2,281 |
| Noncurrent assets plus other real estate owned to assets | 0.5958% | 2,115 |
| Noncurrent loans to loans | 0.6757% | 2,194 |
| Net loans and leases to total assets | 77.1981% | 1,227 |
| Net loans and leases to deposits | 94.4092% | 1,120 |
| Net loans and leases to core deposits | 114.3413% | 657 |
| Total domestic deposits to total assets | 81.7696% | 3,571 |
| Equity capital to assets | 11.0836% | 2,916 |
| Core capital (leverage) ratio | 9.8518% | 3,675 |
| Tier 1 risk-based capital ratio | 11.8676% | 4,439 |
| Total risk-based capital ratio | 13.0387% | 4,356 |
| Memoranda: | ||
| Average total assets | $770,657,600 | 1,003 |
| Average earning assets | $750,081,200 | 962 |
| Average equity | $83,031,400 | 1,050 |
| Average total loans | $590,148,400 | 921 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2362% | 967 |
| Cost of funding earning assets | 1.4723% | 445 |
| Net interest margin | 3.7639% | 2,705 |
| Noninterest income to average assets | 0.0672% | 5,076 |
| Noninterest expense to average assets | 1.9790% | 4,594 |
| Loan and lease loss provision to assets | 0.0488% | 2,920 |
| Net operating income to assets | 1.3907% | 1,500 |
| Return on assets (ROA) | 1.4001% | 1,526 |
| Pretax return on assets | 1.7141% | 1,302 |
| Return on Equity (ROE) | 13.0931% | 1,249 |
| Retained earnings to average equity (ytd only) | 8.1997% | 1,318 |
| Net charge-offs to loans | 0.0041% | 3,259 |
| Credit loss provision to net charge-offs | 1,555.5556% | 241 |
| Earnings coverage of net charge-offs (x) | 557.8196% | 178 |
| Efficiency ratio | 53.0509% | 4,490 |
| Assets per employee ($millions) | 14.5615% | 136 |
| Cash dividends to net income (ytd only)* | 37.3739% | 2,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2243% | 2,378 |
| Loan loss allowance to noncurrent loans | 174.4247% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.6046% | 2,185 |
| Noncurrent loans to loans | 0.7019% | 2,201 |
| Net loans and leases to total assets | 75.4351% | 1,576 |
| Net loans and leases to deposits | 91.3810% | 1,518 |
| Net loans and leases to core deposits | 109.7081% | 962 |
| Total domestic deposits to total assets | 82.5501% | 3,304 |
| Equity capital to assets | 11.3003% | 2,835 |
| Core capital (leverage) ratio | 9.8179% | 3,831 |
| Tier 1 risk-based capital ratio | 12.1252% | 4,352 |
| Total risk-based capital ratio | 13.2925% | 4,287 |
| Memoranda: | ||
| Average total assets | $764,390,250 | 1,012 |
| Average earning assets | $743,958,250 | 969 |
| Average equity | $81,740,500 | 1,064 |
| Average total loans | $582,227,000 | 930 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3041% | 811 |
| Cost of funding earning assets | 1.4461% | 451 |
| Net interest margin | 3.8580% | 2,378 |
| Noninterest income to average assets | 0.0639% | 5,126 |
| Noninterest expense to average assets | 1.9919% | 4,609 |
| Loan and lease loss provision to assets | 0.0396% | 3,023 |
| Net operating income to assets | 1.4656% | 1,245 |
| Return on assets (ROA) | 1.4799% | 1,254 |
| Pretax return on assets | 1.8043% | 1,017 |
| Return on Equity (ROE) | 14.1165% | 952 |
| Retained earnings to average equity (ytd only) | 9.0767% | 1,015 |
| Net charge-offs to loans | 0.0170% | 2,546 |
| Credit loss provision to net charge-offs | 306.1224% | 885 |
| Earnings coverage of net charge-offs (x) | 141.1020% | 519 |
| Efficiency ratio | 52.1655% | 4,643 |
| Assets per employee ($millions) | 14.2177% | 122 |
| Cash dividends to net income (ytd only)* | 35.7015% | 2,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2140% | 2,448 |
| Loan loss allowance to noncurrent loans | 151.0290% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.6779% | 2,022 |
| Noncurrent loans to loans | 0.8038% | 1,986 |
| Net loans and leases to total assets | 74.8387% | 1,749 |
| Net loans and leases to deposits | 90.0013% | 1,739 |
| Net loans and leases to core deposits | 110.1919% | 966 |
| Total domestic deposits to total assets | 83.1529% | 3,156 |
| Equity capital to assets | 10.8287% | 3,243 |
| Core capital (leverage) ratio | 9.7320% | 3,900 |
| Tier 1 risk-based capital ratio | 12.0896% | 4,370 |
| Total risk-based capital ratio | 13.2497% | 4,305 |
| Memoranda: | ||
| Average total assets | $757,080,000 | 1,022 |
| Average earning assets | $736,750,670 | 977 |
| Average equity | $79,368,330 | 1,088 |
| Average total loans | $576,131,330 | 940 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4020% | 631 |
| Cost of funding earning assets | 1.4150% | 431 |
| Net interest margin | 3.9870% | 1,885 |
| Noninterest income to average assets | 0.0623% | 5,176 |
| Noninterest expense to average assets | 1.9859% | 4,671 |
| Loan and lease loss provision to assets | 0.0269% | 3,070 |
| Net operating income to assets | 1.5640% | 975 |
| Return on assets (ROA) | 1.5927% | 937 |
| Pretax return on assets | 1.9688% | 675 |
| Return on Equity (ROE) | 15.4601% | 672 |
| Retained earnings to average equity (ytd only) | 10.2459% | 977 |
| Net charge-offs to loans | 0.0303% | 1,848 |
| Credit loss provision to net charge-offs | 116.2791% | 1,443 |
| Earnings coverage of net charge-offs (x) | 84.8605% | 732 |
| Efficiency ratio | 50.3267% | 4,803 |
| Assets per employee ($millions) | 14.1036% | 123 |
| Cash dividends to net income (ytd only)* | 33.7268% | 2,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2376% | 2,392 |
| Loan loss allowance to noncurrent loans | 207.5439% | 2,123 |
| Noncurrent assets plus other real estate owned to assets | 0.5198% | 2,547 |
| Noncurrent loans to loans | 0.5963% | 2,551 |
| Net loans and leases to total assets | 74.3735% | 1,736 |
| Net loans and leases to deposits | 89.1536% | 1,740 |
| Net loans and leases to core deposits | 106.8329% | 1,116 |
| Total domestic deposits to total assets | 83.4217% | 3,247 |
| Equity capital to assets | 10.4410% | 3,387 |
| Core capital (leverage) ratio | 9.8083% | 3,809 |
| Tier 1 risk-based capital ratio | 12.3025% | 4,298 |
| Total risk-based capital ratio | 13.4937% | 4,197 |
| Memoranda: | ||
| Average total assets | $744,633,000 | 1,035 |
| Average earning assets | $725,354,500 | 989 |
| Average equity | $76,713,500 | 1,116 |
| Average total loans | $567,991,500 | 953 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3084% | 575 |
| Cost of funding earning assets | 1.2019% | 341 |
| Net interest margin | 4.1065% | 1,661 |
| Noninterest income to average assets | 0.0731% | 5,225 |
| Noninterest expense to average assets | 2.2074% | 4,319 |
| Loan and lease loss provision to assets | 0.0996% | 2,195 |
| Net operating income to assets | 1.4646% | 1,222 |
| Return on assets (ROA) | 1.4738% | 1,184 |
| Pretax return on assets | 1.7875% | 957 |
| Return on Equity (ROE) | 14.7101% | 897 |
| Retained earnings to average equity (ytd only) | 9.0316% | 850 |
| Net charge-offs to loans | 0.0182% | 3,091 |
| Credit loss provision to net charge-offs | 721.6495% | 490 |
| Earnings coverage of net charge-offs (x) | 135.9691% | 598 |
| Efficiency ratio | 54.0597% | 4,614 |
| Assets per employee ($millions) | 13.2304% | 148 |
| Cash dividends to net income (ytd only)* | 38.6026% | 2,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2607% | 2,245 |
| Loan loss allowance to noncurrent loans | 199.8591% | 2,242 |
| Noncurrent assets plus other real estate owned to assets | 0.5617% | 2,365 |
| Noncurrent loans to loans | 0.6308% | 2,403 |
| Net loans and leases to total assets | 76.3215% | 1,552 |
| Net loans and leases to deposits | 91.3262% | 1,625 |
| Net loans and leases to core deposits | 108.8425% | 1,063 |
| Total domestic deposits to total assets | 83.5702% | 3,137 |
| Equity capital to assets | 10.1569% | 3,520 |
| Core capital (leverage) ratio | 10.0221% | 3,551 |
| Tier 1 risk-based capital ratio | 12.3594% | 4,205 |
| Total risk-based capital ratio | 13.5879% | 4,100 |
| Memoranda: | ||
| Average total assets | $703,095,600 | 1,057 |
| Average earning assets | $686,594,200 | 1,004 |
| Average equity | $70,441,200 | 1,154 |
| Average total loans | $532,984,200 | 979 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2276% | 594 |
| Cost of funding earning assets | 1.1605% | 309 |
| Net interest margin | 4.0671% | 1,732 |
| Noninterest income to average assets | 0.0729% | 5,289 |
| Noninterest expense to average assets | 2.2048% | 4,315 |
| Loan and lease loss provision to assets | 0.1148% | 1,763 |
| Net operating income to assets | 1.4207% | 1,412 |
| Return on assets (ROA) | 1.4331% | 1,382 |
| Pretax return on assets | 1.7374% | 1,185 |
| Return on Equity (ROE) | 14.3555% | 1,024 |
| Retained earnings to average equity (ytd only) | 8.6064% | 1,374 |
| Net charge-offs to loans | 0.0256% | 2,609 |
| Credit loss provision to net charge-offs | 594.0594% | 606 |
| Earnings coverage of net charge-offs (x) | 95.0815% | 785 |
| Efficiency ratio | 54.5485% | 4,558 |
| Assets per employee ($millions) | 13.1593% | 152 |
| Cash dividends to net income (ytd only)* | 40.0481% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2971% | 2,107 |
| Loan loss allowance to noncurrent loans | 79.4158% | 3,837 |
| Noncurrent assets plus other real estate owned to assets | 1.3140% | 1,030 |
| Noncurrent loans to loans | 1.6333% | 968 |
| Net loans and leases to total assets | 74.8212% | 1,852 |
| Net loans and leases to deposits | 88.1556% | 2,136 |
| Net loans and leases to core deposits | 99.5851% | 1,825 |
| Total domestic deposits to total assets | 84.8741% | 2,652 |
| Equity capital to assets | 9.6211% | 3,977 |
| Core capital (leverage) ratio | 9.8769% | 3,767 |
| Tier 1 risk-based capital ratio | 12.8649% | 3,985 |
| Total risk-based capital ratio | 14.1310% | 3,877 |
| Memoranda: | ||
| Average total assets | $696,951,500 | 1,066 |
| Average earning assets | $680,136,250 | 1,014 |
| Average equity | $69,574,250 | 1,162 |
| Average total loans | $525,615,000 | 994 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1857% | 563 |
| Cost of funding earning assets | 1.0941% | 298 |
| Net interest margin | 4.0916% | 1,585 |
| Noninterest income to average assets | 0.0728% | 5,344 |
| Noninterest expense to average assets | 2.2163% | 4,334 |
| Loan and lease loss provision to assets | 0.1733% | 1,060 |
| Net operating income to assets | 1.3747% | 1,524 |
| Return on assets (ROA) | 1.3934% | 1,467 |
| Pretax return on assets | 1.7016% | 1,207 |
| Return on Equity (ROE) | 13.7875% | 1,135 |
| Retained earnings to average equity (ytd only) | 8.0713% | 1,597 |
| Net charge-offs to loans | 0.0403% | 2,056 |
| Credit loss provision to net charge-offs | 571.4286% | 650 |
| Earnings coverage of net charge-offs (x) | 61.0667% | 985 |
| Efficiency ratio | 54.4764% | 4,638 |
| Assets per employee ($millions) | 13.0344% | 147 |
| Cash dividends to net income (ytd only)* | 41.4594% | 2,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3139% | 2,101 |
| Loan loss allowance to noncurrent loans | 185.6915% | 2,383 |
| Noncurrent assets plus other real estate owned to assets | 0.6108% | 2,394 |
| Noncurrent loans to loans | 0.7076% | 2,342 |
| Net loans and leases to total assets | 74.5033% | 1,865 |
| Net loans and leases to deposits | 88.1349% | 2,097 |
| Net loans and leases to core deposits | 102.9619% | 1,490 |
| Total domestic deposits to total assets | 84.5332% | 2,857 |
| Equity capital to assets | 9.9364% | 3,688 |
| Core capital (leverage) ratio | 10.0520% | 3,523 |
| Tier 1 risk-based capital ratio | 12.6747% | 4,074 |
| Total risk-based capital ratio | 13.9254% | 3,979 |
| Memoranda: | ||
| Average total assets | $692,401,000 | 1,072 |
| Average earning assets | $676,173,000 | 1,022 |
| Average equity | $69,976,330 | 1,160 |
| Average total loans | $521,263,670 | 1,001 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2885% | 411 |
| Cost of funding earning assets | 1.0649% | 270 |
| Net interest margin | 4.2237% | 1,116 |
| Noninterest income to average assets | 0.0786% | 5,403 |
| Noninterest expense to average assets | 2.1780% | 4,465 |
| Loan and lease loss provision to assets | 0.2330% | 663 |
| Net operating income to assets | 1.4731% | 1,136 |
| Return on assets (ROA) | 1.4778% | 1,128 |
| Pretax return on assets | 1.7930% | 923 |
| Return on Equity (ROE) | 14.4981% | 899 |
| Retained earnings to average equity (ytd only) | 8.7834% | 1,544 |
| Net charge-offs to loans | 0.0852% | 1,297 |
| Credit loss provision to net charge-offs | 363.6364% | 723 |
| Earnings coverage of net charge-offs (x) | 31.5273% | 1,211 |
| Efficiency ratio | 51.8801% | 4,969 |
| Assets per employee ($millions) | 12.9624% | 155 |
| Cash dividends to net income (ytd only)* | 39.4166% | 1,851 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3032% | 2,228 |
| Loan loss allowance to noncurrent loans | 81.8083% | 3,796 |
| Noncurrent assets plus other real estate owned to assets | 1.2843% | 1,157 |
| Noncurrent loans to loans | 1.5930% | 1,091 |
| Net loans and leases to total assets | 74.7060% | 1,755 |
| Net loans and leases to deposits | 88.6080% | 1,855 |
| Net loans and leases to core deposits | 97.9652% | 1,835 |
| Total domestic deposits to total assets | 84.3107% | 3,190 |
| Equity capital to assets | 10.0179% | 3,572 |
| Core capital (leverage) ratio | 9.7909% | 3,766 |
| Tier 1 risk-based capital ratio | 12.5598% | 4,207 |
| Total risk-based capital ratio | 13.8097% | 4,109 |
| Memoranda: | ||
| Average total assets | $686,674,000 | 1,086 |
| Average earning assets | $669,752,000 | 1,041 |
| Average equity | $69,995,500 | 1,173 |
| Average total loans | $516,207,000 | 1,018 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0997% | 533 |
| Cost of funding earning assets | 1.0789% | 146 |
| Net interest margin | 4.0209% | 1,687 |
| Noninterest income to average assets | 0.0702% | 5,485 |
| Noninterest expense to average assets | 2.2593% | 4,422 |
| Loan and lease loss provision to assets | 0.0825% | 2,552 |
| Net operating income to assets | 1.3284% | 1,167 |
| Return on assets (ROA) | 1.2824% | 1,290 |
| Pretax return on assets | 1.5926% | 1,311 |
| Return on Equity (ROE) | 13.3790% | 869 |
| Retained earnings to average equity (ytd only) | 12.1829% | 170 |
| Net charge-offs to loans | 0.0269% | 3,273 |
| Credit loss provision to net charge-offs | 412.2137% | 739 |
| Earnings coverage of net charge-offs (x) | 86.4809% | 721 |
| Efficiency ratio | 56.6072% | 4,701 |
| Assets per employee ($millions) | 12.7100% | 152 |
| Cash dividends to net income (ytd only)* | 8.9403% | 3,961 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2660% | 2,398 |
| Loan loss allowance to noncurrent loans | 177.5801% | 2,498 |
| Noncurrent assets plus other real estate owned to assets | 0.6108% | 2,502 |
| Noncurrent loans to loans | 0.7129% | 2,420 |
| Net loans and leases to total assets | 73.7119% | 1,969 |
| Net loans and leases to deposits | 88.3427% | 1,979 |
| Net loans and leases to core deposits | 99.1054% | 1,781 |
| Total domestic deposits to total assets | 83.4385% | 3,410 |
| Equity capital to assets | 10.3691% | 3,313 |
| Core capital (leverage) ratio | 9.5700% | 3,949 |
| Tier 1 risk-based capital ratio | 12.1141% | 4,450 |
| Total risk-based capital ratio | 13.3221% | 4,374 |
| Memoranda: | ||
| Average total assets | $654,151,200 | 1,114 |
| Average earning assets | $637,894,200 | 1,057 |
| Average equity | $62,702,600 | 1,263 |
| Average total loans | $486,637,200 | 1,054 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9763% | 645 |
| Cost of funding earning assets | 1.0758% | 128 |
| Net interest margin | 3.9005% | 2,043 |
| Noninterest income to average assets | 0.0714% | 5,554 |
| Noninterest expense to average assets | 2.1901% | 4,543 |
| Loan and lease loss provision to assets | 0.0908% | 2,257 |
| Net operating income to assets | 1.1622% | 1,835 |
| Return on assets (ROA) | 1.1622% | 1,879 |
| Pretax return on assets | 1.5950% | 1,443 |
| Return on Equity (ROE) | 12.3941% | 1,216 |
| Retained earnings to average equity (ytd only) | 12.3941% | 268 |
| Net charge-offs to loans | 0.0158% | 3,205 |
| Credit loss provision to net charge-offs | 771.9298% | 444 |
| Earnings coverage of net charge-offs (x) | 143.3122% | 557 |
| Efficiency ratio | 56.5062% | 4,678 |
| Assets per employee ($millions) | 12.4779% | 161 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 2,474 |
| Loan loss allowance to noncurrent loans | 162.7866% | 2,611 |
| Noncurrent assets plus other real estate owned to assets | 0.8289% | 2,076 |
| Noncurrent loans to loans | 0.7848% | 2,398 |
| Net loans and leases to total assets | 74.1013% | 1,895 |
| Net loans and leases to deposits | 87.3574% | 2,144 |
| Net loans and leases to core deposits | 100.4836% | 1,664 |
| Total domestic deposits to total assets | 84.8254% | 2,789 |
| Equity capital to assets | 9.4249% | 4,517 |
| Core capital (leverage) ratio | 9.6511% | 3,987 |
| Tier 1 risk-based capital ratio | 11.8915% | 4,706 |
| Total risk-based capital ratio | 13.0950% | 4,607 |
| Memoranda: | ||
| Average total assets | $646,104,000 | 1,135 |
| Average earning assets | $630,194,000 | 1,073 |
| Average equity | $60,586,500 | 1,311 |
| Average total loans | $480,196,250 | 1,075 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9421% | 633 |
| Cost of funding earning assets | 1.0655% | 119 |
| Net interest margin | 3.8766% | 2,014 |
| Noninterest income to average assets | 0.0719% | 5,594 |
| Noninterest expense to average assets | 2.2107% | 4,545 |
| Loan and lease loss provision to assets | 0.0691% | 2,589 |
| Net operating income to assets | 1.1485% | 1,781 |
| Return on assets (ROA) | 1.1485% | 1,834 |
| Pretax return on assets | 1.5709% | 1,429 |
| Return on Equity (ROE) | 12.2691% | 1,217 |
| Retained earnings to average equity (ytd only) | 12.2691% | 296 |
| Net charge-offs to loans | 0.0271% | 2,672 |
| Credit loss provision to net charge-offs | 343.7500% | 876 |
| Earnings coverage of net charge-offs (x) | 81.5938% | 753 |
| Efficiency ratio | 57.4097% | 4,664 |
| Assets per employee ($millions) | 11.6663% | 190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3078% | 2,372 |
| Loan loss allowance to noncurrent loans | 154.9975% | 2,715 |
| Noncurrent assets plus other real estate owned to assets | 0.8791% | 2,019 |
| Noncurrent loans to loans | 0.8438% | 2,297 |
| Net loans and leases to total assets | 73.3177% | 1,985 |
| Net loans and leases to deposits | 87.7263% | 2,022 |
| Net loans and leases to core deposits | 98.0110% | 1,808 |
| Total domestic deposits to total assets | 83.5755% | 3,375 |
| Equity capital to assets | 9.5864% | 4,327 |
| Core capital (leverage) ratio | 9.6565% | 3,957 |
| Tier 1 risk-based capital ratio | 12.1847% | 4,500 |
| Total risk-based capital ratio | 13.4125% | 4,399 |
| Memoranda: | ||
| Average total assets | $636,813,000 | 1,148 |
| Average earning assets | $620,743,670 | 1,088 |
| Average equity | $59,613,330 | 1,325 |
| Average total loans | $471,674,330 | 1,089 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9007% | 632 |
| Cost of funding earning assets | 1.0600% | 120 |
| Net interest margin | 3.8408% | 1,984 |
| Noninterest income to average assets | 0.0668% | 5,682 |
| Noninterest expense to average assets | 2.1646% | 4,734 |
| Loan and lease loss provision to assets | 0.0757% | 2,293 |
| Net operating income to assets | 1.1406% | 1,708 |
| Return on assets (ROA) | 1.1406% | 1,747 |
| Pretax return on assets | 1.5713% | 1,311 |
| Return on Equity (ROE) | 12.3345% | 1,152 |
| Retained earnings to average equity (ytd only) | 12.3345% | 441 |
| Net charge-offs to loans | 0.0827% | 1,519 |
| Credit loss provision to net charge-offs | 123.7113% | 1,360 |
| Earnings coverage of net charge-offs (x) | 26.9278% | 1,287 |
| Efficiency ratio | 56.7907% | 4,857 |
| Assets per employee ($millions) | 11.0030% | 224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2914% | 2,580 |
| Loan loss allowance to noncurrent loans | 157.7301% | 2,725 |
| Noncurrent assets plus other real estate owned to assets | 0.6906% | 2,564 |
| Noncurrent loans to loans | 0.8187% | 2,405 |
| Net loans and leases to total assets | 73.0755% | 1,901 |
| Net loans and leases to deposits | 87.6988% | 1,839 |
| Net loans and leases to core deposits | 96.4246% | 1,788 |
| Total domestic deposits to total assets | 83.3255% | 3,732 |
| Equity capital to assets | 9.3378% | 4,451 |
| Core capital (leverage) ratio | 9.4859% | 4,136 |
| Tier 1 risk-based capital ratio | 11.9974% | 4,720 |
| Total risk-based capital ratio | 13.2169% | 4,640 |
| Memoranda: | ||
| Average total assets | $634,396,000 | 1,153 |
| Average earning assets | $618,519,000 | 1,095 |
| Average equity | $58,664,500 | 1,342 |
| Average total loans | $469,174,000 | 1,093 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2063% | 413 |
| Cost of funding earning assets | 1.2264% | 46 |
| Net interest margin | 3.9798% | 1,695 |
| Noninterest income to average assets | 0.0226% | 5,821 |
| Noninterest expense to average assets | 2.3842% | 4,336 |
| Loan and lease loss provision to assets | 0.1691% | 1,443 |
| Net operating income to assets | 1.0122% | 2,300 |
| Return on assets (ROA) | 1.0038% | 2,439 |
| Pretax return on assets | 1.3251% | 2,197 |
| Return on Equity (ROE) | 11.2163% | 1,500 |
| Retained earnings to average equity (ytd only) | 8.4510% | 716 |
| Net charge-offs to loans | -0.0313% | 5,265 |
| Credit loss provision to net charge-offs | -764.9254% | 5,258 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2989% | 4,374 |
| Assets per employee ($millions) | 11.2611% | 208 |
| Cash dividends to net income (ytd only)* | 24.6548% | 3,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3046% | 2,524 |
| Loan loss allowance to noncurrent loans | 151.5333% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.7215% | 2,566 |
| Noncurrent loans to loans | 0.8609% | 2,378 |
| Net loans and leases to total assets | 72.9158% | 2,023 |
| Net loans and leases to deposits | 87.3331% | 2,007 |
| Net loans and leases to core deposits | 96.4604% | 1,882 |
| Total domestic deposits to total assets | 83.4916% | 3,600 |
| Equity capital to assets | 9.1558% | 4,640 |
| Core capital (leverage) ratio | 9.3992% | 4,223 |
| Tier 1 risk-based capital ratio | 11.8916% | 4,802 |
| Total risk-based capital ratio | 13.1333% | 4,694 |
| Memoranda: | ||
| Average total assets | $606,069,600 | 1,159 |
| Average earning assets | $588,868,600 | 1,105 |
| Average equity | $54,242,400 | 1,418 |
| Average total loans | $427,795,200 | 1,145 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2320% | 405 |
| Cost of funding earning assets | 1.2455% | 45 |
| Net interest margin | 3.9865% | 1,698 |
| Noninterest income to average assets | 0.0060% | 5,912 |
| Noninterest expense to average assets | 2.3522% | 4,405 |
| Loan and lease loss provision to assets | 0.1278% | 1,832 |
| Net operating income to assets | 0.9767% | 2,537 |
| Return on assets (ROA) | 0.9663% | 2,718 |
| Pretax return on assets | 1.3801% | 2,127 |
| Return on Equity (ROE) | 10.8626% | 1,719 |
| Retained earnings to average equity (ytd only) | 7.1151% | 1,565 |
| Net charge-offs to loans | -0.0427% | 5,312 |
| Credit loss provision to net charge-offs | -429.1045% | 5,037 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7020% | 4,442 |
| Assets per employee ($millions) | 11.4010% | 196 |
| Cash dividends to net income (ytd only)* | 34.4986% | 2,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2418% | 3,005 |
| Loan loss allowance to noncurrent loans | 124.5133% | 3,182 |
| Noncurrent assets plus other real estate owned to assets | 0.8372% | 2,453 |
| Noncurrent loans to loans | 0.9973% | 2,250 |
| Net loans and leases to total assets | 74.0747% | 1,859 |
| Net loans and leases to deposits | 86.3032% | 2,233 |
| Net loans and leases to core deposits | 99.2538% | 1,706 |
| Total domestic deposits to total assets | 85.8307% | 2,440 |
| Equity capital to assets | 9.3496% | 4,821 |
| Core capital (leverage) ratio | 9.3615% | 4,376 |
| Tier 1 risk-based capital ratio | 11.7659% | 4,943 |
| Total risk-based capital ratio | 12.9385% | 4,889 |
| Memoranda: | ||
| Average total assets | $599,932,250 | 1,167 |
| Average earning assets | $582,250,500 | 1,120 |
| Average equity | $53,368,500 | 1,447 |
| Average total loans | $418,269,250 | 1,168 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3964% | 300 |
| Cost of funding earning assets | 1.2579% | 40 |
| Net interest margin | 4.1385% | 1,264 |
| Noninterest income to average assets | -0.0130% | 6,019 |
| Noninterest expense to average assets | 2.2954% | 4,624 |
| Loan and lease loss provision to assets | 0.0919% | 2,314 |
| Net operating income to assets | 1.1184% | 1,895 |
| Return on assets (ROA) | 1.1218% | 1,986 |
| Pretax return on assets | 1.6177% | 1,314 |
| Return on Equity (ROE) | 12.8310% | 1,073 |
| Retained earnings to average equity (ytd only) | 9.0088% | 848 |
| Net charge-offs to loans | -0.0585% | 5,434 |
| Credit loss provision to net charge-offs | -231.0924% | 4,752 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3851% | 4,984 |
| Assets per employee ($millions) | 10.8550% | 214 |
| Cash dividends to net income (ytd only)* | 29.7885% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2704% | 2,954 |
| Loan loss allowance to noncurrent loans | 129.0189% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 1.1996% | 1,734 |
| Noncurrent loans to loans | 0.9847% | 2,309 |
| Net loans and leases to total assets | 69.1599% | 2,611 |
| Net loans and leases to deposits | 79.3147% | 3,019 |
| Net loans and leases to core deposits | 90.5918% | 2,478 |
| Total domestic deposits to total assets | 87.1968% | 1,811 |
| Equity capital to assets | 9.1367% | 5,127 |
| Core capital (leverage) ratio | 9.1092% | 4,704 |
| Tier 1 risk-based capital ratio | 12.1185% | 4,761 |
| Total risk-based capital ratio | 13.3004% | 4,711 |
| Memoranda: | ||
| Average total assets | $598,492,670 | 1,179 |
| Average earning assets | $580,350,670 | 1,128 |
| Average equity | $52,326,330 | 1,478 |
| Average total loans | $406,617,330 | 1,193 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8319% | 797 |
| Cost of funding earning assets | 1.2609% | 40 |
| Net interest margin | 3.5710% | 3,198 |
| Noninterest income to average assets | 0.0888% | 5,853 |
| Noninterest expense to average assets | 2.2656% | 4,748 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9007% | 2,750 |
| Return on assets (ROA) | 0.9058% | 2,847 |
| Pretax return on assets | 1.2957% | 2,325 |
| Return on Equity (ROE) | 10.5984% | 1,744 |
| Retained earnings to average equity (ytd only) | 6.6933% | 2,032 |
| Net charge-offs to loans | -0.1038% | 5,651 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7491% | 4,163 |
| Assets per employee ($millions) | 11.1809% | 192 |
| Cash dividends to net income (ytd only)* | 36.8460% | 2,186 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2599% | 3,119 |
| Loan loss allowance to noncurrent loans | 103.6525% | 3,550 |
| Noncurrent assets plus other real estate owned to assets | 1.3821% | 1,513 |
| Noncurrent loans to loans | 1.2155% | 1,991 |
| Net loans and leases to total assets | 66.4306% | 2,886 |
| Net loans and leases to deposits | 77.2824% | 3,076 |
| Net loans and leases to core deposits | 88.9376% | 2,464 |
| Total domestic deposits to total assets | 85.9583% | 2,686 |
| Equity capital to assets | 8.7276% | 5,403 |
| Core capital (leverage) ratio | 8.7468% | 5,131 |
| Tier 1 risk-based capital ratio | 11.7116% | 5,104 |
| Total risk-based capital ratio | 12.8476% | 5,077 |
| Memoranda: | ||
| Average total assets | $599,227,000 | 1,176 |
| Average earning assets | $581,468,500 | 1,122 |
| Average equity | $51,215,500 | 1,499 |
| Average total loans | $400,819,000 | 1,201 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8229% | 886 |
| Cost of funding earning assets | 1.2071% | 56 |
| Net interest margin | 3.6158% | 3,075 |
| Noninterest income to average assets | 0.1002% | 5,875 |
| Noninterest expense to average assets | 2.5324% | 4,124 |
| Loan and lease loss provision to assets | 0.2137% | 973 |
| Net operating income to assets | 0.5961% | 4,285 |
| Return on assets (ROA) | 0.7630% | 3,598 |
| Pretax return on assets | 1.0938% | 3,091 |
| Return on Equity (ROE) | 9.0091% | 2,450 |
| Retained earnings to average equity (ytd only) | 4.5581% | 2,735 |
| Net charge-offs to loans | -0.0306% | 5,407 |
| Credit loss provision to net charge-offs | -1,081.6514% | 5,568 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3171% | 3,174 |
| Assets per employee ($millions) | 11.6512% | 166 |
| Cash dividends to net income (ytd only)* | 49.4062% | 2,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2207% | 3,358 |
| Loan loss allowance to noncurrent loans | 69.3892% | 4,398 |
| Noncurrent assets plus other real estate owned to assets | 1.7220% | 1,125 |
| Noncurrent loans to loans | 1.7593% | 1,270 |
| Net loans and leases to total assets | 65.6971% | 3,027 |
| Net loans and leases to deposits | 81.3311% | 2,672 |
| Net loans and leases to core deposits | 93.1992% | 2,117 |
| Total domestic deposits to total assets | 80.7774% | 4,550 |
| Equity capital to assets | 8.3702% | 5,655 |
| Core capital (leverage) ratio | 8.9686% | 4,919 |
| Tier 1 risk-based capital ratio | 11.0718% | 5,485 |
| Total risk-based capital ratio | 12.1416% | 5,490 |
| Memoranda: | ||
| Average total assets | $551,737,200 | 1,228 |
| Average earning assets | $534,237,600 | 1,178 |
| Average equity | $46,730,400 | 1,580 |
| Average total loans | $356,326,600 | 1,272 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9115% | 749 |
| Cost of funding earning assets | 1.2180% | 54 |
| Net interest margin | 3.6935% | 2,798 |
| Noninterest income to average assets | 0.0979% | 5,975 |
| Noninterest expense to average assets | 2.5464% | 4,057 |
| Loan and lease loss provision to assets | 0.1915% | 1,059 |
| Net operating income to assets | 0.6430% | 4,170 |
| Return on assets (ROA) | 0.7315% | 3,868 |
| Pretax return on assets | 1.0633% | 3,358 |
| Return on Equity (ROE) | 8.6088% | 2,779 |
| Retained earnings to average equity (ytd only) | 4.0027% | 3,618 |
| Net charge-offs to loans | -0.0627% | 5,621 |
| Credit loss provision to net charge-offs | -477.1605% | 5,350 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3309% | 3,324 |
| Assets per employee ($millions) | 10.6304% | 218 |
| Cash dividends to net income (ytd only)* | 53.5049% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2605% | 3,303 |
| Loan loss allowance to noncurrent loans | 73.3023% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 1.7657% | 1,224 |
| Noncurrent loans to loans | 1.7196% | 1,398 |
| Net loans and leases to total assets | 65.9739% | 3,018 |
| Net loans and leases to deposits | 76.5385% | 3,237 |
| Net loans and leases to core deposits | 88.2348% | 2,639 |
| Total domestic deposits to total assets | 86.1970% | 2,442 |
| Equity capital to assets | 9.0410% | 5,271 |
| Core capital (leverage) ratio | 8.8152% | 5,222 |
| Tier 1 risk-based capital ratio | 11.4296% | 5,414 |
| Total risk-based capital ratio | 12.4970% | 5,420 |
| Memoranda: | ||
| Average total assets | $538,205,500 | 1,270 |
| Average earning assets | $520,936,750 | 1,216 |
| Average equity | $45,735,000 | 1,619 |
| Average total loans | $344,669,750 | 1,311 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9726% | 620 |
| Cost of funding earning assets | 1.1954% | 59 |
| Net interest margin | 3.7772% | 2,417 |
| Noninterest income to average assets | 0.0983% | 6,033 |
| Noninterest expense to average assets | 2.5476% | 4,081 |
| Loan and lease loss provision to assets | 0.1740% | 1,197 |
| Net operating income to assets | 0.7113% | 3,837 |
| Return on assets (ROA) | 0.7134% | 3,943 |
| Pretax return on assets | 1.0356% | 3,436 |
| Return on Equity (ROE) | 8.5795% | 2,759 |
| Retained earnings to average equity (ytd only) | 3.7409% | 3,635 |
| Net charge-offs to loans | -0.0903% | 5,751 |
| Credit loss provision to net charge-offs | -305.2288% | 5,117 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8607% | 3,692 |
| Assets per employee ($millions) | 10.4677% | 230 |
| Cash dividends to net income (ytd only)* | 56.3969% | 1,676 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1878% | 3,859 |
| Loan loss allowance to noncurrent loans | 73.2678% | 4,392 |
| Noncurrent assets plus other real estate owned to assets | 1.6486% | 1,457 |
| Noncurrent loans to loans | 1.6212% | 1,613 |
| Net loans and leases to total assets | 63.7431% | 3,297 |
| Net loans and leases to deposits | 73.5923% | 3,540 |
| Net loans and leases to core deposits | 84.3649% | 2,946 |
| Total domestic deposits to total assets | 86.6165% | 2,360 |
| Equity capital to assets | 8.7280% | 5,502 |
| Core capital (leverage) ratio | 8.7954% | 5,228 |
| Tier 1 risk-based capital ratio | 10.4989% | 5,922 |
| Total risk-based capital ratio | 11.4238% | 5,979 |
| Memoranda: | ||
| Average total assets | $536,890,000 | 1,275 |
| Average earning assets | $519,650,000 | 1,226 |
| Average equity | $44,641,330 | 1,674 |
| Average total loans | $338,811,330 | 1,330 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6990% | 1,034 |
| Cost of funding earning assets | 1.1747% | 67 |
| Net interest margin | 3.5242% | 3,325 |
| Noninterest income to average assets | 0.1030% | 6,069 |
| Noninterest expense to average assets | 2.5003% | 4,261 |
| Loan and lease loss provision to assets | 0.2023% | 911 |
| Net operating income to assets | 0.5847% | 4,341 |
| Return on assets (ROA) | 0.5879% | 4,431 |
| Pretax return on assets | 0.8145% | 4,183 |
| Return on Equity (ROE) | 7.2606% | 3,359 |
| Retained earnings to average equity (ytd only) | 2.1146% | 4,621 |
| Net charge-offs to loans | -0.0377% | 5,378 |
| Credit loss provision to net charge-offs | -861.2903% | 4,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1821% | 3,298 |
| Assets per employee ($millions) | 9.8130% | 272 |
| Cash dividends to net income (ytd only)* | 70.8763% | 1,155 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1772% | 4,103 |
| Loan loss allowance to noncurrent loans | 79.1339% | 4,198 |
| Noncurrent assets plus other real estate owned to assets | 1.5680% | 1,646 |
| Noncurrent loans to loans | 1.4876% | 1,905 |
| Net loans and leases to total assets | 62.2443% | 3,326 |
| Net loans and leases to deposits | 72.5866% | 3,482 |
| Net loans and leases to core deposits | 82.8117% | 2,886 |
| Total domestic deposits to total assets | 85.7518% | 3,065 |
| Equity capital to assets | 8.1015% | 5,985 |
| Core capital (leverage) ratio | 8.1156% | 5,873 |
| Tier 1 risk-based capital ratio | 9.9186% | 6,188 |
| Total risk-based capital ratio | 10.8280% | 6,237 |
| Memoranda: | ||
| Average total assets | $527,941,000 | 1,294 |
| Average earning assets | $510,751,500 | 1,245 |
| Average equity | $42,751,000 | 1,739 |
| Average total loans | $329,272,000 | 1,365 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8290% | 1,053 |
| Cost of funding earning assets | 1.1677% | 95 |
| Net interest margin | 3.6613% | 3,171 |
| Noninterest income to average assets | 0.1178% | 6,094 |
| Noninterest expense to average assets | 2.4687% | 4,643 |
| Loan and lease loss provision to assets | 0.1701% | 1,529 |
| Net operating income to assets | 0.6469% | 4,159 |
| Return on assets (ROA) | 0.6688% | 4,146 |
| Pretax return on assets | 1.0604% | 3,256 |
| Return on Equity (ROE) | 8.2467% | 2,994 |
| Retained earnings to average equity (ytd only) | 3.5022% | 3,722 |
| Net charge-offs to loans | 0.3691% | 1,177 |
| Credit loss provision to net charge-offs | 75.3648% | 2,959 |
| Earnings coverage of net charge-offs (x) | 5.2996% | 3,458 |
| Efficiency ratio | 67.3610% | 4,005 |
| Assets per employee ($millions) | 9.5600% | 285 |
| Cash dividends to net income (ytd only)* | 57.5319% | 1,867 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1180% | 4,456 |
| Loan loss allowance to noncurrent loans | 72.6055% | 4,439 |
| Noncurrent assets plus other real estate owned to assets | 1.5871% | 1,703 |
| Noncurrent loans to loans | 1.5398% | 1,908 |
| Net loans and leases to total assets | 61.0781% | 3,628 |
| Net loans and leases to deposits | 72.5985% | 3,612 |
| Net loans and leases to core deposits | 82.8586% | 3,014 |
| Total domestic deposits to total assets | 84.1313% | 3,654 |
| Equity capital to assets | 8.0629% | 6,035 |
| Core capital (leverage) ratio | 8.2395% | 5,830 |
| Tier 1 risk-based capital ratio | 11.7459% | 5,518 |
| Total risk-based capital ratio | 12.7477% | 5,581 |
| Memoranda: | ||
| Average total assets | $516,137,400 | 1,303 |
| Average earning assets | $500,038,200 | 1,232 |
| Average equity | $41,859,200 | 1,719 |
| Average total loans | $315,656,600 | 1,367 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8096% | 1,087 |
| Cost of funding earning assets | 1.1657% | 100 |
| Net interest margin | 3.6439% | 3,251 |
| Noninterest income to average assets | 0.1189% | 6,168 |
| Noninterest expense to average assets | 2.3579% | 4,946 |
| Loan and lease loss provision to assets | 0.2019% | 1,172 |
| Net operating income to assets | 0.7103% | 3,887 |
| Return on assets (ROA) | 0.7251% | 3,915 |
| Pretax return on assets | 1.1126% | 3,141 |
| Return on Equity (ROE) | 8.9280% | 2,731 |
| Retained earnings to average equity (ytd only) | 4.2915% | 3,594 |
| Net charge-offs to loans | 0.2332% | 1,650 |
| Credit loss provision to net charge-offs | 141.9708% | 1,662 |
| Earnings coverage of net charge-offs (x) | 9.0821% | 2,717 |
| Efficiency ratio | 64.6067% | 4,444 |
| Assets per employee ($millions) | 8.9106% | 352 |
| Cash dividends to net income (ytd only)* | 51.9328% | 1,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 3,446 |
| Loan loss allowance to noncurrent loans | 76.3482% | 4,285 |
| Noncurrent assets plus other real estate owned to assets | 1.7281% | 1,735 |
| Noncurrent loans to loans | 1.7563% | 1,847 |
| Net loans and leases to total assets | 60.0907% | 3,773 |
| Net loans and leases to deposits | 68.6422% | 4,061 |
| Net loans and leases to core deposits | 78.1800% | 3,519 |
| Total domestic deposits to total assets | 87.5419% | 2,014 |
| Equity capital to assets | 8.3205% | 5,925 |
| Core capital (leverage) ratio | 8.3192% | 5,827 |
| Tier 1 risk-based capital ratio | 12.4029% | 5,224 |
| Total risk-based capital ratio | 13.6156% | 5,186 |
| Memoranda: | ||
| Average total assets | $513,721,500 | 1,321 |
| Average earning assets | $497,774,750 | 1,247 |
| Average equity | $41,725,250 | 1,728 |
| Average total loans | $313,375,750 | 1,388 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7461% | 1,188 |
| Cost of funding earning assets | 1.1528% | 111 |
| Net interest margin | 3.5933% | 3,384 |
| Noninterest income to average assets | 0.1140% | 6,222 |
| Noninterest expense to average assets | 2.3550% | 5,008 |
| Loan and lease loss provision to assets | 0.2362% | 961 |
| Net operating income to assets | 0.6472% | 4,115 |
| Return on assets (ROA) | 0.6690% | 4,097 |
| Pretax return on assets | 1.0398% | 3,322 |
| Return on Equity (ROE) | 8.3038% | 2,932 |
| Retained earnings to average equity (ytd only) | 3.6537% | 3,862 |
| Net charge-offs to loans | 0.3584% | 1,143 |
| Credit loss provision to net charge-offs | 107.9787% | 1,857 |
| Earnings coverage of net charge-offs (x) | 5.6773% | 2,889 |
| Efficiency ratio | 65.4734% | 4,449 |
| Assets per employee ($millions) | 9.6573% | 259 |
| Cash dividends to net income (ytd only)* | 56.0000% | 1,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2567% | 4,113 |
| Loan loss allowance to noncurrent loans | 99.2250% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 1.4348% | 2,275 |
| Noncurrent loans to loans | 1.2665% | 2,691 |
| Net loans and leases to total assets | 60.9304% | 3,574 |
| Net loans and leases to deposits | 69.9473% | 3,829 |
| Net loans and leases to core deposits | 79.5792% | 3,256 |
| Total domestic deposits to total assets | 87.1089% | 2,397 |
| Equity capital to assets | 8.1728% | 6,045 |
| Core capital (leverage) ratio | 8.0663% | 6,047 |
| Tier 1 risk-based capital ratio | 12.0245% | 5,527 |
| Total risk-based capital ratio | 13.1658% | 5,510 |
| Memoranda: | ||
| Average total assets | $515,660,670 | 1,307 |
| Average earning assets | $499,816,000 | 1,236 |
| Average equity | $41,547,000 | 1,729 |
| Average total loans | $314,717,330 | 1,382 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7159% | 1,220 |
| Cost of funding earning assets | 1.1262% | 141 |
| Net interest margin | 3.5897% | 3,296 |
| Noninterest income to average assets | 0.1237% | 6,226 |
| Noninterest expense to average assets | 2.3904% | 4,957 |
| Loan and lease loss provision to assets | 0.2319% | 956 |
| Net operating income to assets | 0.6221% | 4,088 |
| Return on assets (ROA) | 0.6221% | 4,171 |
| Pretax return on assets | 0.9846% | 3,390 |
| Return on Equity (ROE) | 7.7768% | 3,053 |
| Retained earnings to average equity (ytd only) | 3.1204% | 4,252 |
| Net charge-offs to loans | 0.4635% | 784 |
| Credit loss provision to net charge-offs | 82.4176% | 1,878 |
| Earnings coverage of net charge-offs (x) | 4.3242% | 2,544 |
| Efficiency ratio | 66.2738% | 4,488 |
| Assets per employee ($millions) | 9.6329% | 262 |
| Cash dividends to net income (ytd only)* | 59.8758% | 1,414 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2420% | 4,430 |
| Loan loss allowance to noncurrent loans | 50.8631% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 2.1018% | 1,595 |
| Noncurrent loans to loans | 2.4419% | 1,430 |
| Net loans and leases to total assets | 59.0043% | 3,700 |
| Net loans and leases to deposits | 69.6586% | 3,647 |
| Net loans and leases to core deposits | 79.6270% | 3,018 |
| Total domestic deposits to total assets | 84.7050% | 3,998 |
| Equity capital to assets | 8.0125% | 6,051 |
| Core capital (leverage) ratio | 8.0890% | 6,049 |
| Tier 1 risk-based capital ratio | 12.1443% | 5,546 |
| Total risk-based capital ratio | 13.2697% | 5,566 |
| Memoranda: | ||
| Average total assets | $517,573,500 | 1,302 |
| Average earning assets | $502,212,500 | 1,235 |
| Average equity | $41,405,000 | 1,726 |
| Average total loans | $314,160,000 | 1,383 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6347% | 1,760 |
| Cost of funding earning assets | 1.2387% | 146 |
| Net interest margin | 3.3959% | 4,286 |
| Noninterest income to average assets | 0.1484% | 6,199 |
| Noninterest expense to average assets | 2.4600% | 4,892 |
| Loan and lease loss provision to assets | 0.2433% | 1,482 |
| Net operating income to assets | 0.4837% | 4,801 |
| Return on assets (ROA) | 0.6425% | 4,170 |
| Pretax return on assets | 0.9676% | 3,491 |
| Return on Equity (ROE) | 7.9888% | 3,039 |
| Retained earnings to average equity (ytd only) | 3.2893% | 3,893 |
| Net charge-offs to loans | 0.4053% | 1,662 |
| Credit loss provision to net charge-offs | 95.2697% | 2,629 |
| Earnings coverage of net charge-offs (x) | 3.7992% | 3,753 |
| Efficiency ratio | 71.7128% | 3,533 |
| Assets per employee ($millions) | 10.0975% | 221 |
| Cash dividends to net income (ytd only)* | 58.8255% | 1,821 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 4,470 |
| Loan loss allowance to noncurrent loans | 47.0504% | 5,383 |
| Noncurrent assets plus other real estate owned to assets | 2.3029% | 1,529 |
| Noncurrent loans to loans | 2.6265% | 1,417 |
| Net loans and leases to total assets | 60.8985% | 3,557 |
| Net loans and leases to deposits | 73.1441% | 3,380 |
| Net loans and leases to core deposits | 84.3321% | 2,635 |
| Total domestic deposits to total assets | 83.2582% | 4,450 |
| Equity capital to assets | 7.9871% | 6,028 |
| Core capital (leverage) ratio | 8.1757% | 5,997 |
| Tier 1 risk-based capital ratio | 11.7346% | 5,787 |
| Total risk-based capital ratio | 12.8541% | 5,790 |
| Memoranda: | ||
| Average total assets | $471,787,600 | 1,403 |
| Average earning assets | $455,955,800 | 1,334 |
| Average equity | $37,940,800 | 1,830 |
| Average total loans | $297,310,000 | 1,413 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5243% | 2,140 |
| Cost of funding earning assets | 1.2671% | 146 |
| Net interest margin | 3.2571% | 4,804 |
| Noninterest income to average assets | 0.0087% | 6,723 |
| Noninterest expense to average assets | 2.4254% | 4,939 |
| Loan and lease loss provision to assets | 0.3031% | 1,116 |
| Net operating income to assets | 0.2680% | 5,723 |
| Return on assets (ROA) | 0.4781% | 5,052 |
| Pretax return on assets | 0.7517% | 4,483 |
| Return on Equity (ROE) | 5.9336% | 4,223 |
| Retained earnings to average equity (ytd only) | 0.8902% | 5,619 |
| Net charge-offs to loans | 0.2176% | 2,521 |
| Credit loss provision to net charge-offs | 219.7065% | 1,109 |
| Earnings coverage of net charge-offs (x) | 5.2663% | 3,239 |
| Efficiency ratio | 76.9499% | 2,569 |
| Assets per employee ($millions) | 10.1242% | 225 |
| Cash dividends to net income (ytd only)* | 84.9973% | 663 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4509% | 3,685 |
| Loan loss allowance to noncurrent loans | 46.8554% | 5,362 |
| Noncurrent assets plus other real estate owned to assets | 2.2192% | 1,794 |
| Noncurrent loans to loans | 3.0965% | 1,285 |
| Net loans and leases to total assets | 61.0801% | 3,512 |
| Net loans and leases to deposits | 73.6108% | 3,294 |
| Net loans and leases to core deposits | 85.4035% | 2,478 |
| Total domestic deposits to total assets | 82.9771% | 4,579 |
| Equity capital to assets | 7.7515% | 6,282 |
| Core capital (leverage) ratio | 8.3733% | 5,886 |
| Tier 1 risk-based capital ratio | 11.4378% | 6,086 |
| Total risk-based capital ratio | 12.6778% | 6,052 |
| Memoranda: | ||
| Average total assets | $460,992,000 | 1,439 |
| Average earning assets | $444,880,000 | 1,377 |
| Average equity | $37,143,250 | 1,876 |
| Average total loans | $292,254,250 | 1,447 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4053% | 2,544 |
| Cost of funding earning assets | 1.3216% | 128 |
| Net interest margin | 3.0837% | 5,323 |
| Noninterest income to average assets | 0.1045% | 6,514 |
| Noninterest expense to average assets | 2.4973% | 4,744 |
| Loan and lease loss provision to assets | 0.2879% | 1,264 |
| Net operating income to assets | 0.1734% | 5,970 |
| Return on assets (ROA) | 0.4992% | 4,978 |
| Pretax return on assets | 0.7952% | 4,331 |
| Return on Equity (ROE) | 6.1079% | 4,107 |
| Retained earnings to average equity (ytd only) | 0.3183% | 5,765 |
| Net charge-offs to loans | 0.0996% | 3,370 |
| Credit loss provision to net charge-offs | 452.1127% | 603 |
| Earnings coverage of net charge-offs (x) | 9.0141% | 2,336 |
| Efficiency ratio | 81.3084% | 1,989 |
| Assets per employee ($millions) | 8.5763% | 364 |
| Cash dividends to net income (ytd only)* | 94.7889% | 601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5369% | 3,414 |
| Loan loss allowance to noncurrent loans | 38.0003% | 5,714 |
| Noncurrent assets plus other real estate owned to assets | 3.2372% | 1,225 |
| Noncurrent loans to loans | 4.0445% | 956 |
| Net loans and leases to total assets | 65.6346% | 2,653 |
| Net loans and leases to deposits | 75.6030% | 2,938 |
| Net loans and leases to core deposits | 89.5435% | 1,949 |
| Total domestic deposits to total assets | 86.8147% | 2,931 |
| Equity capital to assets | 8.3562% | 5,913 |
| Core capital (leverage) ratio | 8.1721% | 6,036 |
| Tier 1 risk-based capital ratio | 11.7381% | 5,963 |
| Total risk-based capital ratio | 12.9903% | 5,921 |
| Memoranda: | ||
| Average total assets | $445,919,000 | 1,487 |
| Average earning assets | $429,024,670 | 1,424 |
| Average equity | $36,444,670 | 1,916 |
| Average total loans | $285,090,330 | 1,489 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4305% | 2,426 |
| Cost of funding earning assets | 1.3516% | 123 |
| Net interest margin | 3.0788% | 5,334 |
| Noninterest income to average assets | 0.0933% | 6,598 |
| Noninterest expense to average assets | 2.4239% | 5,038 |
| Loan and lease loss provision to assets | 0.2666% | 1,328 |
| Net operating income to assets | 0.2182% | 5,828 |
| Return on assets (ROA) | 0.4372% | 5,133 |
| Pretax return on assets | 0.7019% | 4,574 |
| Return on Equity (ROE) | 5.4077% | 4,351 |
| Retained earnings to average equity (ytd only) | -2.3631% | 6,119 |
| Net charge-offs to loans | 0.0454% | 3,390 |
| Credit loss provision to net charge-offs | 937.5000% | 331 |
| Earnings coverage of net charge-offs (x) | 22.0313% | 1,147 |
| Efficiency ratio | 79.4640% | 2,405 |
| Assets per employee ($millions) | 9.0342% | 315 |
| Cash dividends to net income (ytd only)* | 143.6992% | 377 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4994% | 3,838 |
| Loan loss allowance to noncurrent loans | 36.0360% | 5,778 |
| Noncurrent assets plus other real estate owned to assets | 3.1343% | 1,405 |
| Noncurrent loans to loans | 4.1609% | 1,061 |
| Net loans and leases to total assets | 61.7937% | 3,105 |
| Net loans and leases to deposits | 71.2485% | 3,291 |
| Net loans and leases to core deposits | 86.1501% | 2,091 |
| Total domestic deposits to total assets | 86.7298% | 3,112 |
| Equity capital to assets | 7.9759% | 6,391 |
| Core capital (leverage) ratio | 8.1194% | 6,028 |
| Tier 1 risk-based capital ratio | 12.1966% | 5,791 |
| Total risk-based capital ratio | 13.4483% | 5,752 |
| Memoranda: | ||
| Average total assets | $450,183,500 | 1,491 |
| Average earning assets | $432,371,000 | 1,423 |
| Average equity | $36,392,500 | 1,939 |
| Average total loans | $281,855,500 | 1,511 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0131% | 1,527 |
| Cost of funding earning assets | 1.6688% | 82 |
| Net interest margin | 3.3444% | 5,091 |
| Noninterest income to average assets | 0.0690% | 6,624 |
| Noninterest expense to average assets | 2.5574% | 4,907 |
| Loan and lease loss provision to assets | 0.8349% | 570 |
| Net operating income to assets | -0.0741% | 6,262 |
| Return on assets (ROA) | 0.6652% | 4,177 |
| Pretax return on assets | 0.9788% | 3,623 |
| Return on Equity (ROE) | 8.3601% | 2,930 |
| Retained earnings to average equity (ytd only) | 2.4700% | 4,496 |
| Net charge-offs to loans | 1.5389% | 574 |
| Credit loss provision to net charge-offs | 84.3645% | 3,686 |
| Earnings coverage of net charge-offs (x) | 0.7342% | 5,112 |
| Efficiency ratio | 77.8743% | 2,463 |
| Assets per employee ($millions) | 8.7972% | 350 |
| Cash dividends to net income (ytd only)* | 70.4553% | 1,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 4,069 |
| Loan loss allowance to noncurrent loans | 34.8416% | 5,863 |
| Noncurrent assets plus other real estate owned to assets | 3.1581% | 1,476 |
| Noncurrent loans to loans | 4.0759% | 1,144 |
| Net loans and leases to total assets | 61.5955% | 3,319 |
| Net loans and leases to deposits | 70.6752% | 3,608 |
| Net loans and leases to core deposits | 85.0157% | 2,426 |
| Total domestic deposits to total assets | 87.1530% | 2,737 |
| Equity capital to assets | 8.1927% | 6,287 |
| Core capital (leverage) ratio | 8.1257% | 6,063 |
| Tier 1 risk-based capital ratio | 12.5285% | 5,452 |
| Total risk-based capital ratio | 13.7793% | 5,407 |
| Memoranda: | ||
| Average total assets | $452,377,800 | 1,458 |
| Average earning assets | $434,876,400 | 1,385 |
| Average equity | $35,992,600 | 1,922 |
| Average total loans | $290,931,200 | 1,441 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1891% | 1,221 |
| Cost of funding earning assets | 1.7294% | 78 |
| Net interest margin | 3.4597% | 4,807 |
| Noninterest income to average assets | 0.0462% | 6,818 |
| Noninterest expense to average assets | 2.4798% | 5,144 |
| Loan and lease loss provision to assets | 1.0227% | 395 |
| Net operating income to assets | -0.0877% | 6,395 |
| Return on assets (ROA) | 0.6856% | 4,235 |
| Pretax return on assets | 1.0609% | 3,497 |
| Return on Equity (ROE) | 8.6810% | 2,963 |
| Retained earnings to average equity (ytd only) | 2.4244% | 5,120 |
| Net charge-offs to loans | 0.7648% | 1,444 |
| Credit loss provision to net charge-offs | 206.4727% | 1,339 |
| Earnings coverage of net charge-offs (x) | 1.8046% | 4,361 |
| Efficiency ratio | 73.5048% | 3,066 |
| Assets per employee ($millions) | 8.9364% | 339 |
| Cash dividends to net income (ytd only)* | 72.0720% | 862 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2567% | 1,604 |
| Loan loss allowance to noncurrent loans | 83.5463% | 3,720 |
| Noncurrent assets plus other real estate owned to assets | 2.4442% | 2,163 |
| Noncurrent loans to loans | 2.7011% | 2,099 |
| Net loans and leases to total assets | 62.7570% | 3,251 |
| Net loans and leases to deposits | 73.4802% | 3,369 |
| Net loans and leases to core deposits | 89.3569% | 2,062 |
| Total domestic deposits to total assets | 85.4066% | 3,564 |
| Equity capital to assets | 8.3045% | 6,416 |
| Core capital (leverage) ratio | 7.9758% | 6,348 |
| Tier 1 risk-based capital ratio | 12.4463% | 5,679 |
| Total risk-based capital ratio | 13.7083% | 5,639 |
| Memoranda: | ||
| Average total assets | $453,308,250 | 1,466 |
| Average earning assets | $435,977,750 | 1,403 |
| Average equity | $35,801,500 | 1,946 |
| Average total loans | $293,580,750 | 1,446 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2382% | 1,166 |
| Cost of funding earning assets | 1.7580% | 84 |
| Net interest margin | 3.4803% | 4,759 |
| Noninterest income to average assets | 0.0808% | 6,753 |
| Noninterest expense to average assets | 2.5209% | 5,073 |
| Loan and lease loss provision to assets | 1.0754% | 402 |
| Net operating income to assets | -0.1163% | 6,454 |
| Return on assets (ROA) | 0.5967% | 4,642 |
| Pretax return on assets | 0.8756% | 4,174 |
| Return on Equity (ROE) | 7.6852% | 3,404 |
| Retained earnings to average equity (ytd only) | 0.6729% | 5,793 |
| Net charge-offs to loans | 1.2014% | 900 |
| Credit loss provision to net charge-offs | 137.8165% | 1,999 |
| Earnings coverage of net charge-offs (x) | 1.1564% | 4,438 |
| Efficiency ratio | 73.6403% | 3,135 |
| Assets per employee ($millions) | 8.6238% | 368 |
| Cash dividends to net income (ytd only)* | 91.2436% | 577 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9163% | 2,498 |
| Loan loss allowance to noncurrent loans | 69.2676% | 4,234 |
| Noncurrent assets plus other real estate owned to assets | 2.3564% | 2,371 |
| Noncurrent loans to loans | 2.7665% | 2,169 |
| Net loans and leases to total assets | 61.0994% | 3,609 |
| Net loans and leases to deposits | 70.0453% | 3,892 |
| Net loans and leases to core deposits | 87.8225% | 2,226 |
| Total domestic deposits to total assets | 87.2284% | 2,632 |
| Equity capital to assets | 7.9257% | 6,618 |
| Core capital (leverage) ratio | 7.8204% | 6,437 |
| Tier 1 risk-based capital ratio | 12.3430% | 5,687 |
| Total risk-based capital ratio | 13.6011% | 5,663 |
| Memoranda: | ||
| Average total assets | $455,471,330 | 1,464 |
| Average earning assets | $437,438,330 | 1,401 |
| Average equity | $35,366,670 | 1,956 |
| Average total loans | $295,813,000 | 1,439 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3578% | 993 |
| Cost of funding earning assets | 1.7823% | 90 |
| Net interest margin | 3.5755% | 4,371 |
| Noninterest income to average assets | 0.0444% | 6,958 |
| Noninterest expense to average assets | 2.4036% | 5,460 |
| Loan and lease loss provision to assets | 1.8345% | 168 |
| Net operating income to assets | -0.5476% | 6,850 |
| Return on assets (ROA) | 0.5586% | 4,766 |
| Pretax return on assets | 0.7730% | 4,517 |
| Return on Equity (ROE) | 7.2678% | 3,621 |
| Retained earnings to average equity (ytd only) | -1.8028% | 6,254 |
| Net charge-offs to loans | 0.0566% | 3,933 |
| Credit loss provision to net charge-offs | 4,895.3488% | 52 |
| Earnings coverage of net charge-offs (x) | 28.5814% | 960 |
| Efficiency ratio | 69.1748% | 3,952 |
| Assets per employee ($millions) | 9.1847% | 306 |
| Cash dividends to net income (ytd only)* | 124.8050% | 406 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2722% | 1,733 |
| Loan loss allowance to noncurrent loans | 52.3769% | 4,933 |
| Noncurrent assets plus other real estate owned to assets | 3.6014% | 1,580 |
| Noncurrent loans to loans | 4.3381% | 1,372 |
| Net loans and leases to total assets | 64.4416% | 2,775 |
| Net loans and leases to deposits | 73.6697% | 3,168 |
| Net loans and leases to core deposits | 92.3386% | 1,618 |
| Total domestic deposits to total assets | 87.4736% | 2,669 |
| Equity capital to assets | 7.8204% | 6,628 |
| Core capital (leverage) ratio | 7.8210% | 6,395 |
| Tier 1 risk-based capital ratio | 12.1359% | 5,874 |
| Total risk-based capital ratio | 13.3990% | 5,842 |
| Memoranda: | ||
| Average total assets | $458,987,000 | 1,453 |
| Average earning assets | $440,332,000 | 1,396 |
| Average equity | $35,279,000 | 1,963 |
| Average total loans | $304,046,000 | 1,391 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6787% | 816 |
| Cost of funding earning assets | 2.1132% | 66 |
| Net interest margin | 3.5655% | 4,868 |
| Noninterest income to average assets | 0.0542% | 6,815 |
| Noninterest expense to average assets | 2.7038% | 4,728 |
| Loan and lease loss provision to assets | 0.6997% | 1,463 |
| Net operating income to assets | 0.0415% | 5,976 |
| Return on assets (ROA) | 0.6232% | 4,070 |
| Pretax return on assets | 0.8803% | 3,673 |
| Return on Equity (ROE) | 8.0743% | 2,866 |
| Retained earnings to average equity (ytd only) | 1.6999% | 5,003 |
| Net charge-offs to loans | 0.7195% | 2,356 |
| Credit loss provision to net charge-offs | 148.6298% | 1,911 |
| Earnings coverage of net charge-offs (x) | 1.6159% | 4,563 |
| Efficiency ratio | 78.0435% | 2,582 |
| Assets per employee ($millions) | 8.9985% | 330 |
| Cash dividends to net income (ytd only)* | 78.9474% | 815 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5036% | 4,005 |
| Loan loss allowance to noncurrent loans | 33.9473% | 5,943 |
| Noncurrent assets plus other real estate owned to assets | 3.7780% | 1,534 |
| Noncurrent loans to loans | 4.4291% | 1,354 |
| Net loans and leases to total assets | 65.5339% | 2,871 |
| Net loans and leases to deposits | 74.5455% | 3,409 |
| Net loans and leases to core deposits | 93.5156% | 1,750 |
| Total domestic deposits to total assets | 87.9113% | 2,215 |
| Equity capital to assets | 7.5572% | 6,788 |
| Core capital (leverage) ratio | 7.6228% | 6,589 |
| Tier 1 risk-based capital ratio | 11.2191% | 6,336 |
| Total risk-based capital ratio | 12.4720% | 6,311 |
| Memoranda: | ||
| Average total assets | $457,348,200 | 1,437 |
| Average earning assets | $437,441,800 | 1,388 |
| Average equity | $35,297,200 | 1,912 |
| Average total loans | $299,234,800 | 1,422 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6933% | 861 |
| Cost of funding earning assets | 2.1993% | 62 |
| Net interest margin | 3.4940% | 5,218 |
| Noninterest income to average assets | 0.0023% | 7,096 |
| Noninterest expense to average assets | 2.6326% | 4,966 |
| Loan and lease loss provision to assets | 0.4105% | 2,413 |
| Net operating income to assets | 0.2041% | 5,695 |
| Return on assets (ROA) | 0.6504% | 4,042 |
| Pretax return on assets | 0.9533% | 3,579 |
| Return on Equity (ROE) | 8.3820% | 2,877 |
| Retained earnings to average equity (ytd only) | 1.5797% | 5,348 |
| Net charge-offs to loans | 0.3475% | 3,357 |
| Credit loss provision to net charge-offs | 181.3472% | 1,634 |
| Earnings coverage of net charge-offs (x) | 3.1256% | 3,572 |
| Efficiency ratio | 78.8166% | 2,428 |
| Assets per employee ($millions) | 8.8493% | 351 |
| Cash dividends to net income (ytd only)* | 81.1542% | 589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 4,615 |
| Loan loss allowance to noncurrent loans | 43.6412% | 5,403 |
| Noncurrent assets plus other real estate owned to assets | 3.0283% | 2,120 |
| Noncurrent loans to loans | 3.1821% | 2,183 |
| Net loans and leases to total assets | 65.7691% | 2,953 |
| Net loans and leases to deposits | 76.7212% | 3,210 |
| Net loans and leases to core deposits | 96.9923% | 1,511 |
| Total domestic deposits to total assets | 85.7248% | 3,363 |
| Equity capital to assets | 7.4132% | 6,950 |
| Core capital (leverage) ratio | 7.6615% | 6,661 |
| Tier 1 risk-based capital ratio | 11.0884% | 6,487 |
| Total risk-based capital ratio | 12.3356% | 6,474 |
| Memoranda: | ||
| Average total assets | $454,704,500 | 1,456 |
| Average earning assets | $434,369,000 | 1,405 |
| Average equity | $35,281,000 | 1,913 |
| Average total loans | $296,211,250 | 1,450 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7937% | 724 |
| Cost of funding earning assets | 2.2337% | 67 |
| Net interest margin | 3.5600% | 4,885 |
| Noninterest income to average assets | -0.0733% | 7,275 |
| Noninterest expense to average assets | 2.7632% | 4,573 |
| Loan and lease loss provision to assets | 0.3091% | 2,942 |
| Net operating income to assets | 0.1683% | 5,836 |
| Return on assets (ROA) | 0.8095% | 3,148 |
| Pretax return on assets | 1.2144% | 2,425 |
| Return on Equity (ROE) | 10.2774% | 2,021 |
| Retained earnings to average equity (ytd only) | 2.7081% | 4,563 |
| Net charge-offs to loans | 0.5372% | 2,484 |
| Credit loss provision to net charge-offs | 89.0585% | 3,482 |
| Earnings coverage of net charge-offs (x) | 1.6323% | 4,068 |
| Efficiency ratio | 82.9841% | 1,957 |
| Assets per employee ($millions) | 8.1367% | 431 |
| Cash dividends to net income (ytd only)* | 73.6498% | 949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2273% | 5,429 |
| Loan loss allowance to noncurrent loans | 33.3647% | 6,076 |
| Noncurrent assets plus other real estate owned to assets | 3.3284% | 1,991 |
| Noncurrent loans to loans | 3.6785% | 1,910 |
| Net loans and leases to total assets | 62.6660% | 3,751 |
| Net loans and leases to deposits | 71.6145% | 4,180 |
| Net loans and leases to core deposits | 92.5135% | 2,072 |
| Total domestic deposits to total assets | 87.5046% | 2,465 |
| Equity capital to assets | 7.7414% | 6,841 |
| Core capital (leverage) ratio | 7.6910% | 6,592 |
| Tier 1 risk-based capital ratio | 11.8310% | 5,911 |
| Total risk-based capital ratio | 13.0139% | 5,960 |
| Memoranda: | ||
| Average total assets | $452,885,000 | 1,471 |
| Average earning assets | $432,919,670 | 1,420 |
| Average equity | $35,670,330 | 1,881 |
| Average total loans | $292,646,000 | 1,483 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5767% | 1,103 |
| Cost of funding earning assets | 2.2952% | 65 |
| Net interest margin | 3.2816% | 5,838 |
| Noninterest income to average assets | 0.2029% | 6,271 |
| Noninterest expense to average assets | 3.4100% | 2,256 |
| Loan and lease loss provision to assets | 0.2658% | 3,014 |
| Net operating income to assets | -0.2518% | 6,612 |
| Return on assets (ROA) | 0.7965% | 3,121 |
| Pretax return on assets | 1.0826% | 2,823 |
| Return on Equity (ROE) | 10.0255% | 2,083 |
| Retained earnings to average equity (ytd only) | 2.2192% | 4,813 |
| Net charge-offs to loans | 0.4782% | 2,277 |
| Credit loss provision to net charge-offs | 85.2273% | 3,033 |
| Earnings coverage of net charge-offs (x) | -0.2188% | 4,704 |
| Efficiency ratio | 102.0414% | 671 |
| Assets per employee ($millions) | 7.8994% | 489 |
| Cash dividends to net income (ytd only)* | 77.8643% | 874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2336% | 5,465 |
| Loan loss allowance to noncurrent loans | 37.1550% | 5,820 |
| Noncurrent assets plus other real estate owned to assets | 3.1915% | 2,160 |
| Noncurrent loans to loans | 3.3201% | 2,264 |
| Net loans and leases to total assets | 63.6765% | 3,505 |
| Net loans and leases to deposits | 73.8154% | 3,787 |
| Net loans and leases to core deposits | 95.4822% | 1,717 |
| Total domestic deposits to total assets | 86.2645% | 3,349 |
| Equity capital to assets | 7.8798% | 6,612 |
| Core capital (leverage) ratio | 7.7114% | 6,548 |
| Tier 1 risk-based capital ratio | 11.9245% | 5,756 |
| Total risk-based capital ratio | 13.1376% | 5,787 |
| Memoranda: | ||
| Average total assets | $451,500,500 | 1,486 |
| Average earning assets | $431,865,000 | 1,428 |
| Average equity | $35,868,500 | 1,846 |
| Average total loans | $294,425,000 | 1,490 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7163% | 1,512 |
| Cost of funding earning assets | 2.5501% | 92 |
| Net interest margin | 3.1662% | 6,351 |
| Noninterest income to average assets | 0.2063% | 6,316 |
| Noninterest expense to average assets | 2.8586% | 4,382 |
| Loan and lease loss provision to assets | 0.4793% | 3,260 |
| Net operating income to assets | -0.1115% | 6,008 |
| Return on assets (ROA) | 0.5413% | 4,069 |
| Pretax return on assets | 0.9189% | 3,208 |
| Return on Equity (ROE) | 6.9499% | 3,145 |
| Retained earnings to average equity (ytd only) | -0.8694% | 5,782 |
| Net charge-offs to loans | 0.5959% | 3,245 |
| Credit loss provision to net charge-offs | 112.9565% | 3,862 |
| Earnings coverage of net charge-offs (x) | 0.8914% | 5,225 |
| Efficiency ratio | 88.3140% | 1,457 |
| Assets per employee ($millions) | 8.0846% | 468 |
| Cash dividends to net income (ytd only)* | 112.5098% | 282 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2172% | 5,431 |
| Loan loss allowance to noncurrent loans | 35.6484% | 5,947 |
| Noncurrent assets plus other real estate owned to assets | 3.5104% | 1,971 |
| Noncurrent loans to loans | 3.4144% | 2,224 |
| Net loans and leases to total assets | 65.1422% | 3,639 |
| Net loans and leases to deposits | 75.5914% | 3,907 |
| Net loans and leases to core deposits | 99.3151% | 1,671 |
| Total domestic deposits to total assets | 86.1767% | 3,262 |
| Equity capital to assets | 8.0084% | 6,487 |
| Core capital (leverage) ratio | 7.4970% | 6,710 |
| Tier 1 risk-based capital ratio | 11.5656% | 5,850 |
| Total risk-based capital ratio | 12.7664% | 5,904 |
| Memoranda: | ||
| Average total assets | $471,112,200 | 1,420 |
| Average earning assets | $450,923,200 | 1,352 |
| Average equity | $36,691,400 | 1,804 |
| Average total loans | $335,450,800 | 1,331 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7524% | 1,542 |
| Cost of funding earning assets | 2.5859% | 103 |
| Net interest margin | 3.1665% | 6,438 |
| Noninterest income to average assets | 0.1485% | 6,798 |
| Noninterest expense to average assets | 2.6772% | 4,974 |
| Loan and lease loss provision to assets | 0.4927% | 3,004 |
| Net operating income to assets | -0.0472% | 6,091 |
| Return on assets (ROA) | 0.6502% | 3,812 |
| Pretax return on assets | 1.0978% | 2,832 |
| Return on Equity (ROE) | 8.4056% | 2,739 |
| Retained earnings to average equity (ytd only) | 2.4420% | 4,712 |
| Net charge-offs to loans | 0.4828% | 3,345 |
| Credit loss provision to net charge-offs | 140.8654% | 2,813 |
| Earnings coverage of net charge-offs (x) | 1.4319% | 4,656 |
| Efficiency ratio | 84.2402% | 1,808 |
| Assets per employee ($millions) | 8.1343% | 482 |
| Cash dividends to net income (ytd only)* | 70.9481% | 881 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 5,516 |
| Loan loss allowance to noncurrent loans | 20.5273% | 6,891 |
| Noncurrent assets plus other real estate owned to assets | 5.1970% | 1,210 |
| Noncurrent loans to loans | 5.8219% | 1,108 |
| Net loans and leases to total assets | 68.0808% | 3,191 |
| Net loans and leases to deposits | 79.8384% | 3,483 |
| Net loans and leases to core deposits | 107.5961% | 1,192 |
| Total domestic deposits to total assets | 85.2733% | 3,480 |
| Equity capital to assets | 8.0125% | 6,798 |
| Core capital (leverage) ratio | 7.6457% | 6,725 |
| Tier 1 risk-based capital ratio | 10.8953% | 6,464 |
| Total risk-based capital ratio | 12.0712% | 6,510 |
| Memoranda: | ||
| Average total assets | $475,706,250 | 1,426 |
| Average earning assets | $455,127,000 | 1,361 |
| Average equity | $36,800,000 | 1,816 |
| Average total loans | $344,674,500 | 1,319 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7144% | 1,710 |
| Cost of funding earning assets | 2.6186% | 122 |
| Net interest margin | 3.0958% | 6,619 |
| Noninterest income to average assets | 0.1518% | 6,802 |
| Noninterest expense to average assets | 2.7161% | 4,844 |
| Loan and lease loss provision to assets | 0.4851% | 2,875 |
| Net operating income to assets | -0.1295% | 6,266 |
| Return on assets (ROA) | 0.8574% | 2,846 |
| Pretax return on assets | 1.4524% | 1,689 |
| Return on Equity (ROE) | 11.2159% | 1,684 |
| Retained earnings to average equity (ytd only) | 5.1829% | 2,795 |
| Net charge-offs to loans | 0.0194% | 6,073 |
| Credit loss provision to net charge-offs | 3,402.9412% | 119 |
| Earnings coverage of net charge-offs (x) | 27.7353% | 968 |
| Efficiency ratio | 87.2928% | 1,580 |
| Assets per employee ($millions) | 7.7975% | 544 |
| Cash dividends to net income (ytd only)* | 53.7897% | 1,529 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3158% | 4,823 |
| Loan loss allowance to noncurrent loans | 20.1749% | 6,930 |
| Noncurrent assets plus other real estate owned to assets | 5.5396% | 1,109 |
| Noncurrent loans to loans | 6.5221% | 914 |
| Net loans and leases to total assets | 72.1046% | 2,369 |
| Net loans and leases to deposits | 84.3807% | 2,804 |
| Net loans and leases to core deposits | 116.2232% | 838 |
| Total domestic deposits to total assets | 85.4514% | 3,392 |
| Equity capital to assets | 7.8957% | 6,852 |
| Core capital (leverage) ratio | 7.7107% | 6,595 |
| Tier 1 risk-based capital ratio | 10.5256% | 6,665 |
| Total risk-based capital ratio | 11.7762% | 6,656 |
| Memoranda: | ||
| Average total assets | $477,012,330 | 1,436 |
| Average earning assets | $456,041,000 | 1,362 |
| Average equity | $36,466,000 | 1,826 |
| Average total loans | $351,205,330 | 1,310 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8283% | 1,380 |
| Cost of funding earning assets | 2.6130% | 158 |
| Net interest margin | 3.2153% | 6,247 |
| Noninterest income to average assets | 0.1586% | 6,834 |
| Noninterest expense to average assets | 2.8215% | 4,400 |
| Loan and lease loss provision to assets | 0.4626% | 2,654 |
| Net operating income to assets | -0.1511% | 6,481 |
| Return on assets (ROA) | 1.3846% | 1,186 |
| Pretax return on assets | 2.3464% | 327 |
| Return on Equity (ROE) | 18.4051% | 485 |
| Retained earnings to average equity (ytd only) | 11.7806% | 784 |
| Net charge-offs to loans | 0.0360% | 5,078 |
| Credit loss provision to net charge-offs | 1,740.6250% | 289 |
| Earnings coverage of net charge-offs (x) | 15.4063% | 1,382 |
| Efficiency ratio | 87.3265% | 1,653 |
| Assets per employee ($millions) | 8.4398% | 434 |
| Cash dividends to net income (ytd only)* | 35.9928% | 1,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0906% | 6,050 |
| Loan loss allowance to noncurrent loans | 35.7012% | 5,995 |
| Noncurrent assets plus other real estate owned to assets | 3.0237% | 2,370 |
| Noncurrent loans to loans | 3.0549% | 2,622 |
| Net loans and leases to total assets | 73.5225% | 2,074 |
| Net loans and leases to deposits | 89.2594% | 2,022 |
| Net loans and leases to core deposits | 123.8611% | 649 |
| Total domestic deposits to total assets | 82.3695% | 4,905 |
| Equity capital to assets | 7.7386% | 6,895 |
| Core capital (leverage) ratio | 7.6555% | 6,672 |
| Tier 1 risk-based capital ratio | 10.2572% | 6,835 |
| Total risk-based capital ratio | 11.3606% | 6,944 |
| Memoranda: | ||
| Average total assets | $481,595,000 | 1,455 |
| Average earning assets | $460,169,500 | 1,379 |
| Average equity | $36,229,000 | 1,852 |
| Average total loans | $355,889,500 | 1,330 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1320% | 1,431 |
| Cost of funding earning assets | 2.9942% | 238 |
| Net interest margin | 3.1378% | 6,261 |
| Noninterest income to average assets | 0.1558% | 6,957 |
| Noninterest expense to average assets | 2.3856% | 6,508 |
| Loan and lease loss provision to assets | 0.1756% | 5,943 |
| Net operating income to assets | 0.3146% | 4,478 |
| Return on assets (ROA) | 0.8713% | 2,337 |
| Pretax return on assets | 1.4763% | 1,244 |
| Return on Equity (ROE) | 13.1913% | 916 |
| Retained earnings to average equity (ytd only) | 6.9310% | 986 |
| Net charge-offs to loans | 0.0542% | 6,559 |
| Credit loss provision to net charge-offs | 448.2412% | 692 |
| Earnings coverage of net charge-offs (x) | 19.9548% | 1,061 |
| Efficiency ratio | 75.3139% | 3,647 |
| Assets per employee ($millions) | 8.0354% | 505 |
| Cash dividends to net income (ytd only)* | 47.4576% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9532% | 6,625 |
| Loan loss allowance to noncurrent loans | 30.8705% | 6,412 |
| Noncurrent assets plus other real estate owned to assets | 3.1115% | 2,228 |
| Noncurrent loans to loans | 3.0877% | 2,481 |
| Net loans and leases to total assets | 72.7637% | 2,564 |
| Net loans and leases to deposits | 91.6958% | 1,932 |
| Net loans and leases to core deposits | 102.7912% | 3,712 |
| Total domestic deposits to total assets | 79.3533% | 5,889 |
| Equity capital to assets | 7.3073% | 7,196 |
| Core capital (leverage) ratio | 7.3093% | 6,976 |
| Tier 1 risk-based capital ratio | 10.1275% | 6,765 |
| Total risk-based capital ratio | 11.0955% | 6,971 |
| Memoranda: | ||
| Average total assets | $507,837,200 | 1,354 |
| Average earning assets | $487,442,400 | 1,295 |
| Average equity | $33,544,800 | 2,001 |
| Average total loans | $367,485,400 | 1,307 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1756% | 1,433 |
| Cost of funding earning assets | 3.0433% | 287 |
| Net interest margin | 3.1323% | 6,224 |
| Noninterest income to average assets | 0.1569% | 7,071 |
| Noninterest expense to average assets | 2.1965% | 6,986 |
| Loan and lease loss provision to assets | 0.1535% | 5,820 |
| Net operating income to assets | 0.4470% | 4,208 |
| Return on assets (ROA) | 0.8509% | 2,679 |
| Pretax return on assets | 1.4488% | 1,565 |
| Return on Equity (ROE) | 13.2108% | 1,067 |
| Retained earnings to average equity (ytd only) | 6.7704% | 1,602 |
| Net charge-offs to loans | 0.0712% | 5,976 |
| Credit loss provision to net charge-offs | 298.9899% | 1,385 |
| Earnings coverage of net charge-offs (x) | 18.9194% | 1,323 |
| Efficiency ratio | 69.3403% | 4,721 |
| Assets per employee ($millions) | 8.2122% | 475 |
| Cash dividends to net income (ytd only)* | 48.7508% | 2,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8624% | 6,915 |
| Loan loss allowance to noncurrent loans | 28.1030% | 6,592 |
| Noncurrent assets plus other real estate owned to assets | 3.0471% | 2,268 |
| Noncurrent loans to loans | 3.0687% | 2,463 |
| Net loans and leases to total assets | 71.7876% | 3,086 |
| Net loans and leases to deposits | 88.4933% | 2,867 |
| Net loans and leases to core deposits | 100.2094% | 4,348 |
| Total domestic deposits to total assets | 81.1221% | 5,027 |
| Equity capital to assets | 7.0377% | 7,575 |
| Core capital (leverage) ratio | 6.8833% | 7,499 |
| Tier 1 risk-based capital ratio | 9.9863% | 6,997 |
| Total risk-based capital ratio | 10.8725% | 7,253 |
| Memoranda: | ||
| Average total assets | $514,266,250 | 1,355 |
| Average earning assets | $494,323,250 | 1,289 |
| Average equity | $33,123,500 | 2,049 |
| Average total loans | $370,810,500 | 1,310 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1892% | 1,492 |
| Cost of funding earning assets | 3.0737% | 383 |
| Net interest margin | 3.1156% | 6,188 |
| Noninterest income to average assets | 0.1588% | 7,141 |
| Noninterest expense to average assets | 2.0915% | 7,292 |
| Loan and lease loss provision to assets | 0.1120% | 6,023 |
| Net operating income to assets | 0.5500% | 3,880 |
| Return on assets (ROA) | 0.5807% | 3,875 |
| Pretax return on assets | 0.9972% | 3,025 |
| Return on Equity (ROE) | 9.2867% | 2,258 |
| Retained earnings to average equity (ytd only) | 2.5394% | 3,916 |
| Net charge-offs to loans | 0.0202% | 6,231 |
| Credit loss provision to net charge-offs | 768.4211% | 611 |
| Earnings coverage of net charge-offs (x) | 72.8158% | 520 |
| Efficiency ratio | 66.3382% | 5,490 |
| Assets per employee ($millions) | 8.7678% | 377 |
| Cash dividends to net income (ytd only)* | 72.6552% | 1,284 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8119% | 7,111 |
| Loan loss allowance to noncurrent loans | 34.2427% | 6,167 |
| Noncurrent assets plus other real estate owned to assets | 2.4031% | 2,696 |
| Noncurrent loans to loans | 2.3711% | 3,052 |
| Net loans and leases to total assets | 68.2036% | 4,123 |
| Net loans and leases to deposits | 82.5093% | 4,136 |
| Net loans and leases to core deposits | 93.2810% | 5,205 |
| Total domestic deposits to total assets | 82.6617% | 4,395 |
| Equity capital to assets | 6.3507% | 7,852 |
| Core capital (leverage) ratio | 6.3533% | 7,844 |
| Tier 1 risk-based capital ratio | 9.4670% | 7,421 |
| Total risk-based capital ratio | 10.2993% | 7,684 |
| Memoranda: | ||
| Average total assets | $521,443,670 | 1,357 |
| Average earning assets | $501,096,000 | 1,284 |
| Average equity | $32,605,670 | 2,082 |
| Average total loans | $375,481,000 | 1,321 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1788% | 1,664 |
| Cost of funding earning assets | 3.0878% | 469 |
| Net interest margin | 3.0910% | 6,227 |
| Noninterest income to average assets | 0.1764% | 7,042 |
| Noninterest expense to average assets | 2.0796% | 7,167 |
| Loan and lease loss provision to assets | 0.1094% | 5,570 |
| Net operating income to assets | 0.5443% | 4,239 |
| Return on assets (ROA) | 0.5941% | 4,235 |
| Pretax return on assets | 1.0333% | 3,234 |
| Return on Equity (ROE) | 9.5765% | 2,502 |
| Retained earnings to average equity (ytd only) | 2.1240% | 4,682 |
| Net charge-offs to loans | -0.0042% | 7,162 |
| Credit loss provision to net charge-offs | -3,550.0000% | 6,698 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1358% | 5,302 |
| Assets per employee ($millions) | 8.6361% | 401 |
| Cash dividends to net income (ytd only)* | 77.8210% | 1,112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7483% | 7,313 |
| Loan loss allowance to noncurrent loans | 36.3298% | 6,138 |
| Noncurrent assets plus other real estate owned to assets | 2.2873% | 2,508 |
| Noncurrent loans to loans | 2.0597% | 3,181 |
| Net loans and leases to total assets | 72.4151% | 3,149 |
| Net loans and leases to deposits | 87.4839% | 3,385 |
| Net loans and leases to core deposits | 103.3344% | 4,211 |
| Total domestic deposits to total assets | 82.7753% | 4,257 |
| Equity capital to assets | 6.2241% | 7,949 |
| Core capital (leverage) ratio | 6.2866% | 7,950 |
| Tier 1 risk-based capital ratio | 8.7818% | 7,885 |
| Total risk-based capital ratio | 9.5553% | 8,012 |
| Memoranda: | ||
| Average total assets | $519,132,500 | 1,367 |
| Average earning assets | $498,480,000 | 1,296 |
| Average equity | $32,204,000 | 2,101 |
| Average total loans | $382,355,000 | 1,306 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6773% | 2,118 |
| Cost of funding earning assets | 3.2256% | 1,110 |
| Net interest margin | 3.4517% | 5,462 |
| Noninterest income to average assets | 0.2029% | 6,999 |
| Noninterest expense to average assets | 2.2858% | 6,742 |
| Loan and lease loss provision to assets | 0.0648% | 6,582 |
| Net operating income to assets | 0.7298% | 3,756 |
| Return on assets (ROA) | 0.4603% | 4,728 |
| Pretax return on assets | 0.7678% | 4,189 |
| Return on Equity (ROE) | 7.1994% | 3,433 |
| Retained earnings to average equity (ytd only) | 2.4774% | 3,654 |
| Net charge-offs to loans | 0.0016% | 7,009 |
| Credit loss provision to net charge-offs | 5,366.6667% | 96 |
| Earnings coverage of net charge-offs (x) | 1,038.3333% | 43 |
| Efficiency ratio | 64.5781% | 5,430 |
| Assets per employee ($millions) | 8.5262% | 395 |
| Cash dividends to net income (ytd only)* | 65.5881% | 2,394 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6939% | 7,448 |
| Loan loss allowance to noncurrent loans | 89.7925% | 3,763 |
| Noncurrent assets plus other real estate owned to assets | 1.3561% | 3,490 |
| Noncurrent loans to loans | 0.7728% | 5,097 |
| Net loans and leases to total assets | 73.8259% | 3,149 |
| Net loans and leases to deposits | 89.5051% | 3,534 |
| Net loans and leases to core deposits | 104.9592% | 4,301 |
| Total domestic deposits to total assets | 82.4822% | 4,003 |
| Equity capital to assets | 6.1828% | 8,024 |
| Core capital (leverage) ratio | 6.1951% | 8,023 |
| Tier 1 risk-based capital ratio | 8.5812% | 7,973 |
| Total risk-based capital ratio | 9.3001% | 8,112 |
| Memoranda: | ||
| Average total assets | $496,899,000 | 1,362 |
| Average earning assets | $480,343,400 | 1,285 |
| Average equity | $31,766,600 | 2,127 |
| Average total loans | $364,917,000 | 1,327 |