Home > Countryside Bank > Performance and Condition Ratios
Countryside 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 | 5.9685% | 253 |
| Cost of funding earning assets | 0.7461% | 2,986 |
| Net interest margin | 5.2224% | 191 |
| Noninterest income to average assets | 0.8270% | 1,339 |
| Noninterest expense to average assets | 3.4770% | 973 |
| Loan and lease loss provision to assets | 0.0717% | 2,444 |
| Net operating income to assets | 2.0151% | 383 |
| Return on assets (ROA) | 2.0131% | 399 |
| Pretax return on assets | 2.0274% | 652 |
| Return on Equity (ROE) | 17.5923% | 427 |
| Retained earnings to average equity (ytd only) | 6.5449% | 2,090 |
| Net charge-offs to loans | 0.0184% | 2,766 |
| Credit loss provision to net charge-offs | 543.1034% | 590 |
| Earnings coverage of net charge-offs (x) | 159.0546% | 521 |
| Efficiency ratio | 61.4251% | 3,417 |
| Assets per employee ($millions) | 6.0895% | 1,540 |
| Cash dividends to net income (ytd only)* | 62.7970% | 1,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4585% | 1,368 |
| Loan loss allowance to noncurrent loans | 224.9826% | 1,911 |
| Noncurrent assets plus other real estate owned to assets | 0.8036% | 1,717 |
| Noncurrent loans to loans | 0.6483% | 2,338 |
| Net loans and leases to total assets | 73.8554% | 1,845 |
| Net loans and leases to deposits | 85.0145% | 2,319 |
| Net loans and leases to core deposits | 89.2975% | 2,605 |
| Total domestic deposits to total assets | 86.8739% | 1,585 |
| Equity capital to assets | 11.7687% | 2,437 |
| Core capital (leverage) ratio | 11.3795% | 2,318 |
| Tier 1 risk-based capital ratio | 11.9704% | 4,429 |
| Total risk-based capital ratio | 13.1310% | 4,362 |
| Memoranda: | ||
| Average total assets | $585,359,500 | 1,246 |
| Average earning assets | $532,541,000 | 1,272 |
| Average equity | $66,982,250 | 1,262 |
| Average total loans | $421,296,750 | 1,220 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9588% | 254 |
| Cost of funding earning assets | 0.7442% | 2,923 |
| Net interest margin | 5.2146% | 194 |
| Noninterest income to average assets | 0.6888% | 1,760 |
| Noninterest expense to average assets | 3.4240% | 1,065 |
| Loan and lease loss provision to assets | 0.0720% | 2,374 |
| Net operating income to assets | 1.9209% | 453 |
| Return on assets (ROA) | 1.9178% | 477 |
| Pretax return on assets | 1.9322% | 786 |
| Return on Equity (ROE) | 16.9223% | 480 |
| Retained earnings to average equity (ytd only) | 6.9431% | 1,834 |
| Net charge-offs to loans | 0.0155% | 2,588 |
| Credit loss provision to net charge-offs | 656.2500% | 492 |
| Earnings coverage of net charge-offs (x) | 183.0313% | 421 |
| Efficiency ratio | 62.1530% | 3,411 |
| Assets per employee ($millions) | 5.8186% | 1,676 |
| Cash dividends to net income (ytd only)* | 58.9707% | 1,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4986% | 1,285 |
| Loan loss allowance to noncurrent loans | 316.8405% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.5687% | 2,307 |
| Noncurrent loans to loans | 0.4730% | 2,863 |
| Net loans and leases to total assets | 71.3349% | 2,317 |
| Net loans and leases to deposits | 82.0178% | 2,729 |
| Net loans and leases to core deposits | 85.4470% | 3,001 |
| Total domestic deposits to total assets | 86.9749% | 1,603 |
| Equity capital to assets | 11.6431% | 2,492 |
| Core capital (leverage) ratio | 11.2636% | 2,367 |
| Tier 1 risk-based capital ratio | 12.6698% | 4,033 |
| Total risk-based capital ratio | 13.9019% | 3,936 |
| Memoranda: | ||
| Average total assets | $583,584,670 | 1,252 |
| Average earning assets | $530,740,670 | 1,271 |
| Average equity | $66,137,670 | 1,272 |
| Average total loans | $414,159,330 | 1,241 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9300% | 247 |
| Cost of funding earning assets | 0.7226% | 2,930 |
| Net interest margin | 5.2074% | 200 |
| Noninterest income to average assets | 0.5819% | 2,134 |
| Noninterest expense to average assets | 3.3814% | 1,144 |
| Loan and lease loss provision to assets | 0.0722% | 2,223 |
| Net operating income to assets | 1.8475% | 511 |
| Return on assets (ROA) | 1.8475% | 526 |
| Pretax return on assets | 1.8620% | 856 |
| Return on Equity (ROE) | 16.5306% | 525 |
| Retained earnings to average equity (ytd only) | 9.4531% | 1,181 |
| Net charge-offs to loans | 0.0343% | 1,780 |
| Credit loss provision to net charge-offs | 300.0000% | 819 |
| Earnings coverage of net charge-offs (x) | 80.3429% | 768 |
| Efficiency ratio | 62.4871% | 3,454 |
| Assets per employee ($millions) | 6.1875% | 1,413 |
| Cash dividends to net income (ytd only)* | 42.8146% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5117% | 1,302 |
| Loan loss allowance to noncurrent loans | 219.0776% | 2,037 |
| Noncurrent assets plus other real estate owned to assets | 0.6651% | 2,105 |
| Noncurrent loans to loans | 0.6901% | 2,295 |
| Net loans and leases to total assets | 68.7676% | 2,653 |
| Net loans and leases to deposits | 80.1819% | 2,821 |
| Net loans and leases to core deposits | 84.9366% | 2,957 |
| Total domestic deposits to total assets | 85.7644% | 2,380 |
| Equity capital to assets | 11.1865% | 2,670 |
| Core capital (leverage) ratio | 11.2071% | 2,383 |
| Tier 1 risk-based capital ratio | 12.4620% | 4,196 |
| Total risk-based capital ratio | 13.6660% | 4,086 |
| Memoranda: | ||
| Average total assets | $581,537,500 | 1,254 |
| Average earning assets | $528,632,500 | 1,277 |
| Average equity | $64,994,500 | 1,281 |
| Average total loans | $408,440,000 | 1,266 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4213% | 469 |
| Cost of funding earning assets | 0.4530% | 3,662 |
| Net interest margin | 4.9683% | 279 |
| Noninterest income to average assets | 0.7744% | 1,552 |
| Noninterest expense to average assets | 3.4979% | 996 |
| Loan and lease loss provision to assets | -0.0125% | 5,115 |
| Net operating income to assets | 1.7940% | 556 |
| Return on assets (ROA) | 1.7890% | 560 |
| Pretax return on assets | 1.7979% | 928 |
| Return on Equity (ROE) | 16.6144% | 526 |
| Retained earnings to average equity (ytd only) | 9.0022% | 865 |
| Net charge-offs to loans | 0.1331% | 1,421 |
| Credit loss provision to net charge-offs | -14.3149% | 4,280 |
| Earnings coverage of net charge-offs (x) | 20.5481% | 1,994 |
| Efficiency ratio | 65.3930% | 2,972 |
| Assets per employee ($millions) | 5.8068% | 1,671 |
| Cash dividends to net income (ytd only)* | 45.8167% | 2,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5418% | 1,172 |
| Loan loss allowance to noncurrent loans | 195.6453% | 2,278 |
| Noncurrent assets plus other real estate owned to assets | 0.8133% | 1,717 |
| Noncurrent loans to loans | 0.7881% | 2,039 |
| Net loans and leases to total assets | 69.5744% | 2,634 |
| Net loans and leases to deposits | 79.8500% | 2,971 |
| Net loans and leases to core deposits | 81.9956% | 3,260 |
| Total domestic deposits to total assets | 87.1315% | 1,713 |
| Equity capital to assets | 11.1657% | 2,538 |
| Core capital (leverage) ratio | 11.2635% | 2,293 |
| Tier 1 risk-based capital ratio | 12.4398% | 4,176 |
| Total risk-based capital ratio | 13.6574% | 4,062 |
| Memoranda: | ||
| Average total assets | $561,219,600 | 1,266 |
| Average earning assets | $509,893,600 | 1,287 |
| Average equity | $60,429,600 | 1,313 |
| Average total loans | $367,433,400 | 1,338 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3053% | 520 |
| Cost of funding earning assets | 0.4261% | 3,685 |
| Net interest margin | 4.8792% | 327 |
| Noninterest income to average assets | 0.8447% | 1,345 |
| Noninterest expense to average assets | 3.5470% | 922 |
| Loan and lease loss provision to assets | -0.0381% | 5,272 |
| Net operating income to assets | 1.7506% | 663 |
| Return on assets (ROA) | 1.7506% | 667 |
| Pretax return on assets | 1.7721% | 1,083 |
| Return on Equity (ROE) | 16.4126% | 624 |
| Retained earnings to average equity (ytd only) | 8.7014% | 1,345 |
| Net charge-offs to loans | 0.0818% | 1,704 |
| Credit loss provision to net charge-offs | -72.7273% | 4,198 |
| Earnings coverage of net charge-offs (x) | 33.0586% | 1,528 |
| Efficiency ratio | 66.4033% | 2,798 |
| Assets per employee ($millions) | 5.5592% | 1,864 |
| Cash dividends to net income (ytd only)* | 46.9836% | 1,722 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7417% | 811 |
| Loan loss allowance to noncurrent loans | 119.2114% | 3,156 |
| Noncurrent assets plus other real estate owned to assets | 0.9608% | 1,517 |
| Noncurrent loans to loans | 1.4610% | 1,115 |
| Net loans and leases to total assets | 64.0946% | 3,411 |
| Net loans and leases to deposits | 73.0192% | 3,676 |
| Net loans and leases to core deposits | 74.5654% | 3,907 |
| Total domestic deposits to total assets | 87.7777% | 1,346 |
| Equity capital to assets | 10.7218% | 2,922 |
| Core capital (leverage) ratio | 11.1408% | 2,467 |
| Tier 1 risk-based capital ratio | 12.7130% | 4,074 |
| Total risk-based capital ratio | 13.9596% | 3,976 |
| Memoranda: | ||
| Average total assets | $559,256,750 | 1,274 |
| Average earning assets | $508,482,250 | 1,296 |
| Average equity | $59,651,750 | 1,329 |
| Average total loans | $358,759,750 | 1,368 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2617% | 504 |
| Cost of funding earning assets | 0.4018% | 3,708 |
| Net interest margin | 4.8599% | 328 |
| Noninterest income to average assets | 0.8970% | 1,192 |
| Noninterest expense to average assets | 3.5505% | 928 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.7432% | 664 |
| Return on assets (ROA) | 1.7432% | 665 |
| Pretax return on assets | 1.7647% | 1,052 |
| Return on Equity (ROE) | 16.3716% | 602 |
| Retained earnings to average equity (ytd only) | 8.6365% | 1,340 |
| Net charge-offs to loans | 0.1976% | 796 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 14.0000% | 2,122 |
| Efficiency ratio | 66.0648% | 2,967 |
| Assets per employee ($millions) | 5.5301% | 1,859 |
| Cash dividends to net income (ytd only)* | 47.2473% | 1,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8438% | 693 |
| Loan loss allowance to noncurrent loans | 206.0791% | 2,209 |
| Noncurrent assets plus other real estate owned to assets | 0.5720% | 2,514 |
| Noncurrent loans to loans | 0.8947% | 1,932 |
| Net loans and leases to total assets | 61.0655% | 3,704 |
| Net loans and leases to deposits | 69.5546% | 3,897 |
| Net loans and leases to core deposits | 73.1683% | 3,930 |
| Total domestic deposits to total assets | 87.7950% | 1,477 |
| Equity capital to assets | 10.7193% | 2,911 |
| Core capital (leverage) ratio | 10.7507% | 2,753 |
| Tier 1 risk-based capital ratio | 12.9369% | 3,923 |
| Total risk-based capital ratio | 14.1855% | 3,852 |
| Memoranda: | ||
| Average total assets | $558,514,330 | 1,274 |
| Average earning assets | $507,749,330 | 1,298 |
| Average equity | $59,468,670 | 1,334 |
| Average total loans | $356,259,670 | 1,374 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1898% | 498 |
| Cost of funding earning assets | 0.3727% | 3,801 |
| Net interest margin | 4.8171% | 333 |
| Noninterest income to average assets | 0.7534% | 1,609 |
| Noninterest expense to average assets | 3.5101% | 984 |
| Loan and lease loss provision to assets | 0.0645% | 2,482 |
| Net operating income to assets | 1.5355% | 993 |
| Return on assets (ROA) | 1.5355% | 999 |
| Pretax return on assets | 1.5570% | 1,507 |
| Return on Equity (ROE) | 14.4701% | 910 |
| Retained earnings to average equity (ytd only) | 6.7086% | 2,410 |
| Net charge-offs to loans | -0.0166% | 4,461 |
| Credit loss provision to net charge-offs | -600.0000% | 4,048 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.6343% | 2,890 |
| Assets per employee ($millions) | 5.6372% | 1,816 |
| Cash dividends to net income (ytd only)* | 53.6381% | 1,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8876% | 672 |
| Loan loss allowance to noncurrent loans | 209.8441% | 2,160 |
| Noncurrent assets plus other real estate owned to assets | 0.5955% | 2,533 |
| Noncurrent loans to loans | 0.8995% | 2,024 |
| Net loans and leases to total assets | 63.2889% | 3,397 |
| Net loans and leases to deposits | 71.8370% | 3,625 |
| Net loans and leases to core deposits | 76.3012% | 3,649 |
| Total domestic deposits to total assets | 88.1007% | 1,559 |
| Equity capital to assets | 10.4513% | 3,122 |
| Core capital (leverage) ratio | 10.6391% | 2,808 |
| Tier 1 risk-based capital ratio | 12.3883% | 4,315 |
| Total risk-based capital ratio | 13.6394% | 4,208 |
| Memoranda: | ||
| Average total assets | $558,500,000 | 1,282 |
| Average earning assets | $507,610,000 | 1,312 |
| Average equity | $59,267,000 | 1,344 |
| Average total loans | $360,647,500 | 1,365 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3671% | 326 |
| Cost of funding earning assets | 0.3550% | 3,662 |
| Net interest margin | 5.0122% | 234 |
| Noninterest income to average assets | 0.6481% | 2,207 |
| Noninterest expense to average assets | 3.3097% | 1,358 |
| Loan and lease loss provision to assets | -0.0295% | 5,352 |
| Net operating income to assets | 1.9206% | 324 |
| Return on assets (ROA) | 1.9212% | 332 |
| Pretax return on assets | 1.9265% | 574 |
| Return on Equity (ROE) | 18.5245% | 270 |
| Retained earnings to average equity (ytd only) | 6.8842% | 1,123 |
| Net charge-offs to loans | 0.1791% | 1,393 |
| Credit loss provision to net charge-offs | -25.3067% | 4,614 |
| Earnings coverage of net charge-offs (x) | 16.2638% | 2,191 |
| Efficiency ratio | 63.0436% | 3,771 |
| Assets per employee ($millions) | 5.6457% | 1,797 |
| Cash dividends to net income (ytd only)* | 62.8375% | 1,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8898% | 658 |
| Loan loss allowance to noncurrent loans | 277.6910% | 1,753 |
| Noncurrent assets plus other real estate owned to assets | 0.5180% | 2,827 |
| Noncurrent loans to loans | 0.6805% | 2,511 |
| Net loans and leases to total assets | 63.4218% | 3,430 |
| Net loans and leases to deposits | 72.3825% | 3,665 |
| Net loans and leases to core deposits | 74.9783% | 3,814 |
| Total domestic deposits to total assets | 87.6204% | 1,690 |
| Equity capital to assets | 10.7754% | 2,867 |
| Core capital (leverage) ratio | 10.2775% | 3,093 |
| Tier 1 risk-based capital ratio | 12.4800% | 4,218 |
| Total risk-based capital ratio | 13.7349% | 4,112 |
| Memoranda: | ||
| Average total assets | $559,139,400 | 1,266 |
| Average earning assets | $508,483,000 | 1,277 |
| Average equity | $57,988,000 | 1,356 |
| Average total loans | $363,978,600 | 1,333 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3089% | 335 |
| Cost of funding earning assets | 0.3550% | 3,617 |
| Net interest margin | 4.9539% | 247 |
| Noninterest income to average assets | 0.6859% | 2,057 |
| Noninterest expense to average assets | 3.2079% | 1,539 |
| Loan and lease loss provision to assets | -0.0713% | 5,555 |
| Net operating income to assets | 2.0347% | 303 |
| Return on assets (ROA) | 2.0354% | 309 |
| Pretax return on assets | 2.0568% | 487 |
| Return on Equity (ROE) | 19.8164% | 231 |
| Retained earnings to average equity (ytd only) | 7.0809% | 1,653 |
| Net charge-offs to loans | 0.0620% | 2,229 |
| Credit loss provision to net charge-offs | -176.4706% | 4,605 |
| Earnings coverage of net charge-offs (x) | 49.0885% | 1,130 |
| Efficiency ratio | 61.4666% | 3,960 |
| Assets per employee ($millions) | 5.7133% | 1,704 |
| Cash dividends to net income (ytd only)* | 64.2674% | 1,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8979% | 705 |
| Loan loss allowance to noncurrent loans | 328.6772% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.5017% | 3,063 |
| Noncurrent loans to loans | 0.5774% | 2,959 |
| Net loans and leases to total assets | 65.6017% | 3,163 |
| Net loans and leases to deposits | 74.6776% | 3,503 |
| Net loans and leases to core deposits | 77.8566% | 3,648 |
| Total domestic deposits to total assets | 87.8466% | 1,447 |
| Equity capital to assets | 10.5833% | 3,276 |
| Core capital (leverage) ratio | 10.1821% | 3,334 |
| Tier 1 risk-based capital ratio | 12.2250% | 4,481 |
| Total risk-based capital ratio | 13.4818% | 4,372 |
| Memoranda: | ||
| Average total assets | $560,604,250 | 1,275 |
| Average earning assets | $509,995,750 | 1,288 |
| Average equity | $57,580,500 | 1,378 |
| Average total loans | $365,558,500 | 1,339 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2067% | 393 |
| Cost of funding earning assets | 0.3555% | 3,525 |
| Net interest margin | 4.8513% | 288 |
| Noninterest income to average assets | 0.6508% | 2,199 |
| Noninterest expense to average assets | 3.1767% | 1,633 |
| Loan and lease loss provision to assets | -0.0357% | 5,591 |
| Net operating income to assets | 1.9025% | 373 |
| Return on assets (ROA) | 1.9036% | 382 |
| Pretax return on assets | 1.9250% | 617 |
| Return on Equity (ROE) | 18.7226% | 281 |
| Retained earnings to average equity (ytd only) | 5.9205% | 2,166 |
| Net charge-offs to loans | 0.1053% | 1,577 |
| Credit loss provision to net charge-offs | -52.3560% | 4,291 |
| Earnings coverage of net charge-offs (x) | 27.7225% | 1,530 |
| Efficiency ratio | 62.4798% | 3,911 |
| Assets per employee ($millions) | 6.0411% | 1,432 |
| Cash dividends to net income (ytd only)* | 68.3777% | 1,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0064% | 594 |
| Loan loss allowance to noncurrent loans | 170.7288% | 2,530 |
| Noncurrent assets plus other real estate owned to assets | 0.8816% | 2,012 |
| Noncurrent loans to loans | 1.1752% | 1,666 |
| Net loans and leases to total assets | 63.3303% | 3,477 |
| Net loans and leases to deposits | 72.7072% | 3,673 |
| Net loans and leases to core deposits | 74.8169% | 3,875 |
| Total domestic deposits to total assets | 87.1033% | 1,901 |
| Equity capital to assets | 10.3292% | 3,539 |
| Core capital (leverage) ratio | 10.1964% | 3,279 |
| Tier 1 risk-based capital ratio | 12.3624% | 4,378 |
| Total risk-based capital ratio | 13.6201% | 4,263 |
| Memoranda: | ||
| Average total assets | $560,839,000 | 1,284 |
| Average earning assets | $510,300,330 | 1,294 |
| Average equity | $57,022,000 | 1,387 |
| Average total loans | $362,608,000 | 1,346 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1356% | 418 |
| Cost of funding earning assets | 0.3542% | 3,480 |
| Net interest margin | 4.7814% | 320 |
| Noninterest income to average assets | 0.6789% | 2,045 |
| Noninterest expense to average assets | 3.1381% | 1,770 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.8660% | 392 |
| Return on assets (ROA) | 1.8681% | 407 |
| Pretax return on assets | 1.8895% | 654 |
| Return on Equity (ROE) | 18.5219% | 309 |
| Retained earnings to average equity (ytd only) | 5.7823% | 2,448 |
| Net charge-offs to loans | -0.0066% | 4,271 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2585% | 4,114 |
| Assets per employee ($millions) | 5.7245% | 1,709 |
| Cash dividends to net income (ytd only)* | 68.7810% | 1,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0997% | 556 |
| Loan loss allowance to noncurrent loans | 160.9766% | 2,675 |
| Noncurrent assets plus other real estate owned to assets | 0.9828% | 1,864 |
| Noncurrent loans to loans | 1.3044% | 1,551 |
| Net loans and leases to total assets | 63.6641% | 3,314 |
| Net loans and leases to deposits | 73.1170% | 3,493 |
| Net loans and leases to core deposits | 74.6757% | 3,770 |
| Total domestic deposits to total assets | 87.0715% | 2,179 |
| Equity capital to assets | 10.2639% | 3,455 |
| Core capital (leverage) ratio | 10.0060% | 3,487 |
| Tier 1 risk-based capital ratio | 12.0343% | 4,690 |
| Total risk-based capital ratio | 13.2915% | 4,582 |
| Memoranda: | ||
| Average total assets | $560,346,500 | 1,284 |
| Average earning assets | $509,388,000 | 1,295 |
| Average equity | $56,517,000 | 1,389 |
| Average total loans | $362,367,000 | 1,353 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1412% | 462 |
| Cost of funding earning assets | 0.4102% | 2,904 |
| Net interest margin | 4.7310% | 403 |
| Noninterest income to average assets | 0.5623% | 2,857 |
| Noninterest expense to average assets | 3.0096% | 2,325 |
| Loan and lease loss provision to assets | 0.1743% | 1,381 |
| Net operating income to assets | 1.6460% | 616 |
| Return on assets (ROA) | 1.7572% | 505 |
| Pretax return on assets | 1.7840% | 830 |
| Return on Equity (ROE) | 17.6359% | 353 |
| Retained earnings to average equity (ytd only) | 4.5165% | 2,688 |
| Net charge-offs to loans | 0.4604% | 553 |
| Credit loss provision to net charge-offs | 59.8444% | 3,249 |
| Earnings coverage of net charge-offs (x) | 6.3345% | 3,192 |
| Efficiency ratio | 61.6415% | 4,320 |
| Assets per employee ($millions) | 6.1458% | 1,373 |
| Cash dividends to net income (ytd only)* | 74.3900% | 1,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0834% | 564 |
| Loan loss allowance to noncurrent loans | 308.9723% | 1,601 |
| Noncurrent assets plus other real estate owned to assets | 0.6615% | 2,741 |
| Noncurrent loans to loans | 0.6743% | 2,847 |
| Net loans and leases to total assets | 62.9738% | 3,484 |
| Net loans and leases to deposits | 72.0086% | 3,710 |
| Net loans and leases to core deposits | 73.4274% | 3,966 |
| Total domestic deposits to total assets | 87.4531% | 1,899 |
| Equity capital to assets | 9.9115% | 3,807 |
| Core capital (leverage) ratio | 9.7159% | 3,834 |
| Tier 1 risk-based capital ratio | 12.0356% | 4,706 |
| Total risk-based capital ratio | 13.2933% | 4,584 |
| Memoranda: | ||
| Average total assets | $573,765,800 | 1,216 |
| Average earning assets | $520,541,200 | 1,234 |
| Average equity | $57,167,600 | 1,340 |
| Average total loans | $362,958,800 | 1,296 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0358% | 558 |
| Cost of funding earning assets | 0.4225% | 2,816 |
| Net interest margin | 4.6133% | 493 |
| Noninterest income to average assets | 0.6052% | 2,637 |
| Noninterest expense to average assets | 2.9852% | 2,360 |
| Loan and lease loss provision to assets | 0.3473% | 458 |
| Net operating income to assets | 1.4374% | 990 |
| Return on assets (ROA) | 1.5981% | 773 |
| Pretax return on assets | 1.6196% | 1,334 |
| Return on Equity (ROE) | 16.0184% | 541 |
| Retained earnings to average equity (ytd only) | 3.0217% | 4,103 |
| Net charge-offs to loans | 0.6740% | 289 |
| Credit loss provision to net charge-offs | 81.7884% | 2,639 |
| Earnings coverage of net charge-offs (x) | 4.2497% | 3,292 |
| Efficiency ratio | 62.0293% | 4,226 |
| Assets per employee ($millions) | 6.1636% | 1,320 |
| Cash dividends to net income (ytd only)* | 81.1359% | 700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1173% | 584 |
| Loan loss allowance to noncurrent loans | 122.8536% | 3,202 |
| Noncurrent assets plus other real estate owned to assets | 1.4063% | 1,321 |
| Noncurrent loans to loans | 1.7234% | 1,211 |
| Net loans and leases to total assets | 63.8198% | 3,428 |
| Net loans and leases to deposits | 73.0806% | 3,692 |
| Net loans and leases to core deposits | 74.4064% | 3,966 |
| Total domestic deposits to total assets | 87.3280% | 1,747 |
| Equity capital to assets | 10.0787% | 4,056 |
| Core capital (leverage) ratio | 9.2143% | 4,568 |
| Tier 1 risk-based capital ratio | 11.7600% | 4,944 |
| Total risk-based capital ratio | 13.0246% | 4,835 |
| Memoranda: | ||
| Average total assets | $575,853,250 | 1,215 |
| Average earning assets | $522,327,000 | 1,226 |
| Average equity | $57,449,250 | 1,344 |
| Average total loans | $362,788,500 | 1,294 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9799% | 617 |
| Cost of funding earning assets | 0.4163% | 2,878 |
| Net interest margin | 4.5636% | 539 |
| Noninterest income to average assets | 0.5399% | 2,955 |
| Noninterest expense to average assets | 3.0156% | 2,295 |
| Loan and lease loss provision to assets | 0.1214% | 1,886 |
| Net operating income to assets | 1.5158% | 866 |
| Return on assets (ROA) | 1.7564% | 549 |
| Pretax return on assets | 1.7825% | 918 |
| Return on Equity (ROE) | 17.6661% | 382 |
| Retained earnings to average equity (ytd only) | 4.7610% | 2,890 |
| Net charge-offs to loans | 0.2189% | 1,068 |
| Credit loss provision to net charge-offs | 89.0585% | 2,255 |
| Earnings coverage of net charge-offs (x) | 12.1858% | 2,201 |
| Efficiency ratio | 64.3085% | 3,961 |
| Assets per employee ($millions) | 6.2545% | 1,228 |
| Cash dividends to net income (ytd only)* | 73.0503% | 1,084 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2468% | 510 |
| Loan loss allowance to noncurrent loans | 112.6304% | 3,463 |
| Noncurrent assets plus other real estate owned to assets | 1.5946% | 1,163 |
| Noncurrent loans to loans | 1.9948% | 998 |
| Net loans and leases to total assets | 60.7133% | 3,788 |
| Net loans and leases to deposits | 69.3113% | 4,051 |
| Net loans and leases to core deposits | 70.6123% | 4,286 |
| Total domestic deposits to total assets | 87.5951% | 1,626 |
| Equity capital to assets | 9.9265% | 4,312 |
| Core capital (leverage) ratio | 9.2508% | 4,521 |
| Tier 1 risk-based capital ratio | 12.0827% | 4,776 |
| Total risk-based capital ratio | 13.3497% | 4,684 |
| Memoranda: | ||
| Average total assets | $576,732,000 | 1,217 |
| Average earning assets | $522,740,000 | 1,229 |
| Average equity | $57,341,330 | 1,351 |
| Average total loans | $359,138,330 | 1,304 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0093% | 568 |
| Cost of funding earning assets | 0.4134% | 2,916 |
| Net interest margin | 4.5959% | 503 |
| Noninterest income to average assets | 0.5477% | 2,818 |
| Noninterest expense to average assets | 3.1173% | 2,056 |
| Loan and lease loss provision to assets | 0.1401% | 1,501 |
| Net operating income to assets | 1.4268% | 991 |
| Return on assets (ROA) | 1.8615% | 458 |
| Pretax return on assets | 1.8875% | 712 |
| Return on Equity (ROE) | 18.7078% | 312 |
| Retained earnings to average equity (ytd only) | 5.3350% | 2,749 |
| Net charge-offs to loans | 0.2527% | 820 |
| Credit loss provision to net charge-offs | 88.8889% | 1,771 |
| Earnings coverage of net charge-offs (x) | 10.0800% | 1,945 |
| Efficiency ratio | 66.0664% | 3,788 |
| Assets per employee ($millions) | 6.2574% | 1,243 |
| Cash dividends to net income (ytd only)* | 71.4823% | 1,159 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2933% | 516 |
| Loan loss allowance to noncurrent loans | 94.6145% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 2.2064% | 744 |
| Noncurrent loans to loans | 2.4239% | 794 |
| Net loans and leases to total assets | 60.1947% | 3,745 |
| Net loans and leases to deposits | 68.6860% | 3,985 |
| Net loans and leases to core deposits | 69.9069% | 4,249 |
| Total domestic deposits to total assets | 87.6374% | 1,841 |
| Equity capital to assets | 9.8711% | 4,252 |
| Core capital (leverage) ratio | 9.3643% | 4,406 |
| Tier 1 risk-based capital ratio | 12.1161% | 4,845 |
| Total risk-based capital ratio | 13.3824% | 4,730 |
| Memoranda: | ||
| Average total assets | $571,138,500 | 1,229 |
| Average earning assets | $516,718,000 | 1,247 |
| Average equity | $56,832,000 | 1,361 |
| Average total loans | $356,133,000 | 1,304 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0944% | 521 |
| Cost of funding earning assets | 0.4129% | 3,022 |
| Net interest margin | 4.6815% | 467 |
| Noninterest income to average assets | 0.5249% | 3,166 |
| Noninterest expense to average assets | 2.7888% | 3,279 |
| Loan and lease loss provision to assets | 0.1034% | 2,260 |
| Net operating income to assets | 2.0005% | 345 |
| Return on assets (ROA) | 1.9833% | 363 |
| Pretax return on assets | 1.8502% | 725 |
| Return on Equity (ROE) | 19.0750% | 301 |
| Retained earnings to average equity (ytd only) | -12.4763% | 6,068 |
| Net charge-offs to loans | 0.5099% | 507 |
| Credit loss provision to net charge-offs | 31.7460% | 3,626 |
| Earnings coverage of net charge-offs (x) | 6.0508% | 3,285 |
| Efficiency ratio | 58.4365% | 5,093 |
| Assets per employee ($millions) | 5.8983% | 1,464 |
| Cash dividends to net income (ytd only)* | 165.4067% | 138 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3313% | 496 |
| Loan loss allowance to noncurrent loans | 77.3495% | 4,194 |
| Noncurrent assets plus other real estate owned to assets | 2.5586% | 599 |
| Noncurrent loans to loans | 3.0140% | 530 |
| Net loans and leases to total assets | 61.6594% | 3,611 |
| Net loans and leases to deposits | 70.6037% | 3,852 |
| Net loans and leases to core deposits | 72.4946% | 4,088 |
| Total domestic deposits to total assets | 87.3317% | 1,967 |
| Equity capital to assets | 10.0333% | 3,920 |
| Core capital (leverage) ratio | 9.2559% | 4,538 |
| Tier 1 risk-based capital ratio | 12.0141% | 4,940 |
| Total risk-based capital ratio | 13.2784% | 4,833 |
| Memoranda: | ||
| Average total assets | $580,246,600 | 1,178 |
| Average earning assets | $524,875,200 | 1,202 |
| Average equity | $60,330,400 | 1,256 |
| Average total loans | $370,631,600 | 1,229 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1066% | 512 |
| Cost of funding earning assets | 0.4167% | 3,047 |
| Net interest margin | 4.6899% | 462 |
| Noninterest income to average assets | 0.5721% | 2,901 |
| Noninterest expense to average assets | 2.7663% | 3,321 |
| Loan and lease loss provision to assets | 0.1025% | 2,145 |
| Net operating income to assets | 2.1382% | 286 |
| Return on assets (ROA) | 2.1379% | 303 |
| Pretax return on assets | 1.9470% | 668 |
| Return on Equity (ROE) | 20.3913% | 251 |
| Retained earnings to average equity (ytd only) | -8.2921% | 6,095 |
| Net charge-offs to loans | 0.2116% | 1,231 |
| Credit loss provision to net charge-offs | 75.6303% | 2,674 |
| Earnings coverage of net charge-offs (x) | 15.1211% | 2,203 |
| Efficiency ratio | 57.2922% | 5,198 |
| Assets per employee ($millions) | 6.0163% | 1,361 |
| Cash dividends to net income (ytd only)* | 140.6649% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6072% | 377 |
| Loan loss allowance to noncurrent loans | 279.1914% | 1,709 |
| Noncurrent assets plus other real estate owned to assets | 1.2632% | 1,853 |
| Noncurrent loans to loans | 0.9338% | 2,642 |
| Net loans and leases to total assets | 61.3851% | 3,681 |
| Net loans and leases to deposits | 70.7374% | 3,906 |
| Net loans and leases to core deposits | 73.3134% | 4,074 |
| Total domestic deposits to total assets | 86.7788% | 2,150 |
| Equity capital to assets | 10.6438% | 3,420 |
| Core capital (leverage) ratio | 9.7529% | 3,962 |
| Tier 1 risk-based capital ratio | 12.7875% | 4,558 |
| Total risk-based capital ratio | 14.0570% | 4,456 |
| Memoranda: | ||
| Average total assets | $585,224,500 | 1,171 |
| Average earning assets | $529,576,000 | 1,195 |
| Average equity | $61,358,000 | 1,233 |
| Average total loans | $374,853,000 | 1,226 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0988% | 504 |
| Cost of funding earning assets | 0.4261% | 2,974 |
| Net interest margin | 4.6727% | 464 |
| Noninterest income to average assets | 0.5585% | 2,985 |
| Noninterest expense to average assets | 2.6891% | 3,629 |
| Loan and lease loss provision to assets | 0.1526% | 1,393 |
| Net operating income to assets | 2.2330% | 240 |
| Return on assets (ROA) | 2.2327% | 257 |
| Pretax return on assets | 1.9485% | 662 |
| Return on Equity (ROE) | 21.4000% | 220 |
| Retained earnings to average equity (ytd only) | -11.4281% | 6,200 |
| Net charge-offs to loans | 0.3782% | 690 |
| Credit loss provision to net charge-offs | 62.6741% | 2,563 |
| Earnings coverage of net charge-offs (x) | 8.6309% | 2,545 |
| Efficiency ratio | 55.9992% | 5,429 |
| Assets per employee ($millions) | 6.7748% | 940 |
| Cash dividends to net income (ytd only)* | 153.4022% | 180 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5738% | 447 |
| Loan loss allowance to noncurrent loans | 389.7813% | 1,288 |
| Noncurrent assets plus other real estate owned to assets | 1.2018% | 2,105 |
| Noncurrent loans to loans | 0.6603% | 3,502 |
| Net loans and leases to total assets | 60.2204% | 3,797 |
| Net loans and leases to deposits | 69.7870% | 3,961 |
| Net loans and leases to core deposits | 73.6147% | 3,987 |
| Total domestic deposits to total assets | 86.2918% | 2,530 |
| Equity capital to assets | 10.3209% | 3,663 |
| Core capital (leverage) ratio | 9.6788% | 4,031 |
| Tier 1 risk-based capital ratio | 12.8906% | 4,581 |
| Total risk-based capital ratio | 14.1584% | 4,487 |
| Memoranda: | ||
| Average total assets | $589,784,000 | 1,163 |
| Average earning assets | $534,167,670 | 1,191 |
| Average equity | $61,532,670 | 1,238 |
| Average total loans | $379,725,330 | 1,214 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0798% | 499 |
| Cost of funding earning assets | 0.4433% | 2,848 |
| Net interest margin | 4.6366% | 460 |
| Noninterest income to average assets | 0.6310% | 2,493 |
| Noninterest expense to average assets | 2.7511% | 3,415 |
| Loan and lease loss provision to assets | 0.3034% | 476 |
| Net operating income to assets | 1.7790% | 501 |
| Return on assets (ROA) | 1.7784% | 528 |
| Pretax return on assets | 1.7784% | 901 |
| Return on Equity (ROE) | 16.9558% | 476 |
| Retained earnings to average equity (ytd only) | -34.4643% | 6,356 |
| Net charge-offs to loans | 0.4303% | 573 |
| Credit loss provision to net charge-offs | 107.3986% | 1,533 |
| Earnings coverage of net charge-offs (x) | 7.3723% | 2,176 |
| Efficiency ratio | 56.9177% | 5,445 |
| Assets per employee ($millions) | 7.1917% | 784 |
| Cash dividends to net income (ytd only)* | 303.2600% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5141% | 523 |
| Loan loss allowance to noncurrent loans | 267.7862% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 1.8604% | 1,307 |
| Noncurrent loans to loans | 0.9388% | 2,901 |
| Net loans and leases to total assets | 62.1552% | 3,344 |
| Net loans and leases to deposits | 73.1316% | 3,412 |
| Net loans and leases to core deposits | 77.0982% | 3,475 |
| Total domestic deposits to total assets | 84.9909% | 3,410 |
| Equity capital to assets | 10.0390% | 4,108 |
| Core capital (leverage) ratio | 9.4792% | 4,311 |
| Tier 1 risk-based capital ratio | 11.9146% | 5,295 |
| Total risk-based capital ratio | 13.1826% | 5,174 |
| Memoranda: | ||
| Average total assets | $593,358,000 | 1,165 |
| Average earning assets | $537,812,000 | 1,184 |
| Average equity | $62,232,500 | 1,229 |
| Average total loans | $389,520,500 | 1,180 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4574% | 343 |
| Cost of funding earning assets | 0.4303% | 3,378 |
| Net interest margin | 5.0271% | 291 |
| Noninterest income to average assets | 0.3714% | 4,422 |
| Noninterest expense to average assets | 2.5944% | 4,243 |
| Loan and lease loss provision to assets | 0.5303% | 274 |
| Net operating income to assets | 1.8014% | 475 |
| Return on assets (ROA) | 1.8032% | 486 |
| Pretax return on assets | 1.8032% | 785 |
| Return on Equity (ROE) | 18.3085% | 368 |
| Retained earnings to average equity (ytd only) | 18.3085% | 83 |
| Net charge-offs to loans | 0.7353% | 493 |
| Credit loss provision to net charge-offs | 108.2024% | 2,207 |
| Earnings coverage of net charge-offs (x) | 4.7574% | 3,572 |
| Efficiency ratio | 52.6654% | 5,937 |
| Assets per employee ($millions) | 6.6270% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3935% | 628 |
| Loan loss allowance to noncurrent loans | 185.6170% | 2,378 |
| Noncurrent assets plus other real estate owned to assets | 2.0670% | 1,209 |
| Noncurrent loans to loans | 1.2895% | 2,294 |
| Net loans and leases to total assets | 65.9412% | 2,895 |
| Net loans and leases to deposits | 78.6004% | 2,894 |
| Net loans and leases to core deposits | 82.4402% | 3,055 |
| Total domestic deposits to total assets | 83.8943% | 3,770 |
| Equity capital to assets | 10.9428% | 2,958 |
| Core capital (leverage) ratio | 10.2122% | 3,295 |
| Tier 1 risk-based capital ratio | 13.1099% | 4,646 |
| Total risk-based capital ratio | 14.3766% | 4,564 |
| Memoranda: | ||
| Average total assets | $584,529,600 | 1,131 |
| Average earning assets | $529,613,000 | 1,145 |
| Average equity | $57,569,000 | 1,271 |
| Average total loans | $389,616,600 | 1,136 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4404% | 344 |
| Cost of funding earning assets | 0.4318% | 3,446 |
| Net interest margin | 5.0086% | 293 |
| Noninterest income to average assets | 0.3649% | 4,508 |
| Noninterest expense to average assets | 2.5907% | 4,227 |
| Loan and lease loss provision to assets | 0.5715% | 245 |
| Net operating income to assets | 1.7370% | 574 |
| Return on assets (ROA) | 1.7393% | 588 |
| Pretax return on assets | 1.7393% | 998 |
| Return on Equity (ROE) | 18.1703% | 423 |
| Retained earnings to average equity (ytd only) | 18.1703% | 105 |
| Net charge-offs to loans | 0.8215% | 405 |
| Credit loss provision to net charge-offs | 104.7340% | 2,115 |
| Earnings coverage of net charge-offs (x) | 4.2304% | 3,509 |
| Efficiency ratio | 52.8791% | 5,934 |
| Assets per employee ($millions) | 6.4978% | 1,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3078% | 817 |
| Loan loss allowance to noncurrent loans | 122.3999% | 3,178 |
| Noncurrent assets plus other real estate owned to assets | 2.6699% | 949 |
| Noncurrent loans to loans | 1.8854% | 1,693 |
| Net loans and leases to total assets | 67.4027% | 2,627 |
| Net loans and leases to deposits | 79.6561% | 2,746 |
| Net loans and leases to core deposits | 84.4902% | 2,830 |
| Total domestic deposits to total assets | 84.6171% | 3,493 |
| Equity capital to assets | 10.3010% | 3,787 |
| Core capital (leverage) ratio | 9.7714% | 3,968 |
| Tier 1 risk-based capital ratio | 12.1815% | 5,379 |
| Total risk-based capital ratio | 13.4455% | 5,288 |
| Memoranda: | ||
| Average total assets | $583,211,000 | 1,144 |
| Average earning assets | $527,988,500 | 1,152 |
| Average equity | $55,826,000 | 1,312 |
| Average total loans | $387,405,500 | 1,147 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3918% | 377 |
| Cost of funding earning assets | 0.4379% | 3,460 |
| Net interest margin | 4.9539% | 309 |
| Noninterest income to average assets | 0.2949% | 5,054 |
| Noninterest expense to average assets | 2.6294% | 4,138 |
| Loan and lease loss provision to assets | 0.4134% | 404 |
| Net operating income to assets | 1.7302% | 544 |
| Return on assets (ROA) | 1.7336% | 573 |
| Pretax return on assets | 1.7336% | 956 |
| Return on Equity (ROE) | 18.5918% | 400 |
| Retained earnings to average equity (ytd only) | 18.5918% | 109 |
| Net charge-offs to loans | 0.6259% | 620 |
| Credit loss provision to net charge-offs | 100.7557% | 1,971 |
| Earnings coverage of net charge-offs (x) | 5.2242% | 2,963 |
| Efficiency ratio | 55.0888% | 5,826 |
| Assets per employee ($millions) | 6.2079% | 1,167 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3935% | 818 |
| Loan loss allowance to noncurrent loans | 159.3803% | 2,584 |
| Noncurrent assets plus other real estate owned to assets | 2.6128% | 1,036 |
| Noncurrent loans to loans | 1.5018% | 2,317 |
| Net loans and leases to total assets | 65.0682% | 2,898 |
| Net loans and leases to deposits | 75.9643% | 3,064 |
| Net loans and leases to core deposits | 78.2309% | 3,413 |
| Total domestic deposits to total assets | 85.6562% | 3,213 |
| Equity capital to assets | 10.0207% | 4,078 |
| Core capital (leverage) ratio | 9.2657% | 4,641 |
| Tier 1 risk-based capital ratio | 11.9070% | 5,592 |
| Total risk-based capital ratio | 13.1719% | 5,507 |
| Memoranda: | ||
| Average total assets | $580,514,330 | 1,139 |
| Average earning assets | $524,759,330 | 1,163 |
| Average equity | $54,131,330 | 1,340 |
| Average total loans | $380,551,330 | 1,155 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2403% | 455 |
| Cost of funding earning assets | 0.4440% | 3,490 |
| Net interest margin | 4.7963% | 383 |
| Noninterest income to average assets | 0.2549% | 5,323 |
| Noninterest expense to average assets | 2.6584% | 4,087 |
| Loan and lease loss provision to assets | 0.4145% | 402 |
| Net operating income to assets | 1.5102% | 795 |
| Return on assets (ROA) | 1.5164% | 823 |
| Pretax return on assets | 1.5164% | 1,384 |
| Return on Equity (ROE) | 16.8978% | 542 |
| Retained earnings to average equity (ytd only) | 16.8978% | 224 |
| Net charge-offs to loans | 0.7685% | 451 |
| Credit loss provision to net charge-offs | 82.9876% | 1,870 |
| Earnings coverage of net charge-offs (x) | 3.8534% | 2,614 |
| Efficiency ratio | 58.0042% | 5,645 |
| Assets per employee ($millions) | 6.3353% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3915% | 922 |
| Loan loss allowance to noncurrent loans | 124.5252% | 3,062 |
| Noncurrent assets plus other real estate owned to assets | 3.0673% | 921 |
| Noncurrent loans to loans | 1.9205% | 1,966 |
| Net loans and leases to total assets | 63.5931% | 2,966 |
| Net loans and leases to deposits | 73.4222% | 3,137 |
| Net loans and leases to core deposits | 76.0847% | 3,403 |
| Total domestic deposits to total assets | 86.6129% | 3,035 |
| Equity capital to assets | 9.1697% | 4,910 |
| Core capital (leverage) ratio | 9.0607% | 4,921 |
| Tier 1 risk-based capital ratio | 11.3317% | 6,006 |
| Total risk-based capital ratio | 12.5937% | 5,946 |
| Memoranda: | ||
| Average total assets | $579,000,500 | 1,153 |
| Average earning assets | $522,490,500 | 1,173 |
| Average equity | $51,959,500 | 1,393 |
| Average total loans | $376,321,500 | 1,175 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0146% | 895 |
| Cost of funding earning assets | 0.5619% | 3,003 |
| Net interest margin | 4.4527% | 818 |
| Noninterest income to average assets | 0.5294% | 3,556 |
| Noninterest expense to average assets | 2.6786% | 4,167 |
| Loan and lease loss provision to assets | 0.6071% | 408 |
| Net operating income to assets | 1.2081% | 1,530 |
| Return on assets (ROA) | 1.4041% | 1,055 |
| Pretax return on assets | 1.4041% | 1,763 |
| Return on Equity (ROE) | 17.8261% | 426 |
| Retained earnings to average equity (ytd only) | 17.8261% | 108 |
| Net charge-offs to loans | 1.5191% | 308 |
| Credit loss provision to net charge-offs | 65.6475% | 3,412 |
| Earnings coverage of net charge-offs (x) | 1.9629% | 4,394 |
| Efficiency ratio | 59.6062% | 5,522 |
| Assets per employee ($millions) | 6.3913% | 1,039 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5223% | 808 |
| Loan loss allowance to noncurrent loans | 101.5059% | 3,572 |
| Noncurrent assets plus other real estate owned to assets | 3.8369% | 710 |
| Noncurrent loans to loans | 2.4849% | 1,525 |
| Net loans and leases to total assets | 63.1980% | 3,181 |
| Net loans and leases to deposits | 72.8199% | 3,416 |
| Net loans and leases to core deposits | 75.3958% | 3,681 |
| Total domestic deposits to total assets | 86.7867% | 2,835 |
| Equity capital to assets | 8.7713% | 5,286 |
| Core capital (leverage) ratio | 8.6024% | 5,541 |
| Tier 1 risk-based capital ratio | 11.0966% | 6,122 |
| Total risk-based capital ratio | 12.3582% | 6,066 |
| Memoranda: | ||
| Average total assets | $601,253,600 | 1,107 |
| Average earning assets | $535,314,800 | 1,132 |
| Average equity | $47,357,600 | 1,483 |
| Average total loans | $366,009,800 | 1,162 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8948% | 1,134 |
| Cost of funding earning assets | 0.5864% | 2,933 |
| Net interest margin | 4.3084% | 1,073 |
| Noninterest income to average assets | 0.5671% | 3,348 |
| Noninterest expense to average assets | 2.6867% | 4,071 |
| Loan and lease loss provision to assets | 0.6236% | 376 |
| Net operating income to assets | 1.0844% | 2,069 |
| Return on assets (ROA) | 1.0872% | 2,134 |
| Pretax return on assets | 1.0872% | 3,162 |
| Return on Equity (ROE) | 14.1794% | 957 |
| Retained earnings to average equity (ytd only) | 14.1794% | 243 |
| Net charge-offs to loans | 1.8865% | 217 |
| Credit loss provision to net charge-offs | 55.1364% | 3,395 |
| Earnings coverage of net charge-offs (x) | 1.5102% | 4,335 |
| Efficiency ratio | 61.1352% | 5,257 |
| Assets per employee ($millions) | 6.6751% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4507% | 987 |
| Loan loss allowance to noncurrent loans | 101.9138% | 3,437 |
| Noncurrent assets plus other real estate owned to assets | 4.7943% | 605 |
| Noncurrent loans to loans | 2.4046% | 1,825 |
| Net loans and leases to total assets | 60.9556% | 3,528 |
| Net loans and leases to deposits | 70.1767% | 3,765 |
| Net loans and leases to core deposits | 73.1953% | 3,948 |
| Total domestic deposits to total assets | 86.8602% | 2,762 |
| Equity capital to assets | 7.9746% | 6,167 |
| Core capital (leverage) ratio | 8.0275% | 6,201 |
| Tier 1 risk-based capital ratio | 9.8472% | 6,629 |
| Total risk-based capital ratio | 11.1068% | 6,598 |
| Memoranda: | ||
| Average total assets | $609,361,500 | 1,101 |
| Average earning assets | $541,345,000 | 1,129 |
| Average equity | $46,723,750 | 1,511 |
| Average total loans | $365,315,750 | 1,174 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7714% | 1,390 |
| Cost of funding earning assets | 0.6262% | 2,722 |
| Net interest margin | 4.1453% | 1,423 |
| Noninterest income to average assets | 0.7235% | 2,531 |
| Noninterest expense to average assets | 2.6864% | 4,083 |
| Loan and lease loss provision to assets | 0.7917% | 272 |
| Net operating income to assets | 0.9229% | 2,688 |
| Return on assets (ROA) | 0.9229% | 2,827 |
| Pretax return on assets | 0.9229% | 3,819 |
| Return on Equity (ROE) | 12.1892% | 1,432 |
| Retained earnings to average equity (ytd only) | 12.1892% | 463 |
| Net charge-offs to loans | 1.9611% | 231 |
| Credit loss provision to net charge-offs | 68.2451% | 2,864 |
| Earnings coverage of net charge-offs (x) | 1.4780% | 4,043 |
| Efficiency ratio | 61.0397% | 5,326 |
| Assets per employee ($millions) | 6.9393% | 739 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8115% | 700 |
| Loan loss allowance to noncurrent loans | 69.9639% | 4,416 |
| Noncurrent assets plus other real estate owned to assets | 6.3692% | 405 |
| Noncurrent loans to loans | 4.0185% | 962 |
| Net loans and leases to total assets | 59.0273% | 3,825 |
| Net loans and leases to deposits | 67.1174% | 4,131 |
| Net loans and leases to core deposits | 69.6044% | 4,309 |
| Total domestic deposits to total assets | 87.9462% | 2,284 |
| Equity capital to assets | 7.7595% | 6,336 |
| Core capital (leverage) ratio | 7.4412% | 6,479 |
| Tier 1 risk-based capital ratio | 9.6121% | 6,707 |
| Total risk-based capital ratio | 10.8780% | 6,684 |
| Memoranda: | ||
| Average total assets | $618,904,000 | 1,085 |
| Average earning assets | $549,058,000 | 1,112 |
| Average equity | $46,861,330 | 1,511 |
| Average total loans | $366,126,670 | 1,167 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5867% | 1,866 |
| Cost of funding earning assets | 0.6634% | 2,538 |
| Net interest margin | 3.9234% | 2,039 |
| Noninterest income to average assets | 0.2248% | 5,862 |
| Noninterest expense to average assets | 2.6642% | 4,201 |
| Loan and lease loss provision to assets | 1.0419% | 168 |
| Net operating income to assets | -0.0006% | 6,347 |
| Return on assets (ROA) | -0.0006% | 6,422 |
| Pretax return on assets | -0.0006% | 6,413 |
| Return on Equity (ROE) | -0.0084% | 6,424 |
| Retained earnings to average equity (ytd only) | -0.0084% | 5,774 |
| Net charge-offs to loans | 1.5511% | 345 |
| Credit loss provision to net charge-offs | 114.9826% | 1,645 |
| Earnings coverage of net charge-offs (x) | 1.1491% | 3,447 |
| Efficiency ratio | 71.8984% | 3,634 |
| Assets per employee ($millions) | 6.7237% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2153% | 535 |
| Loan loss allowance to noncurrent loans | 44.9563% | 5,381 |
| Noncurrent assets plus other real estate owned to assets | 8.1455% | 303 |
| Noncurrent loans to loans | 7.1521% | 401 |
| Net loans and leases to total assets | 55.0080% | 4,238 |
| Net loans and leases to deposits | 62.1860% | 4,518 |
| Net loans and leases to core deposits | 65.6877% | 4,567 |
| Total domestic deposits to total assets | 88.4572% | 2,032 |
| Equity capital to assets | 7.5532% | 6,578 |
| Core capital (leverage) ratio | 6.6450% | 6,725 |
| Tier 1 risk-based capital ratio | 9.0994% | 6,804 |
| Total risk-based capital ratio | 10.3745% | 6,797 |
| Memoranda: | ||
| Average total assets | $633,435,500 | 1,078 |
| Average earning assets | $561,968,500 | 1,098 |
| Average equity | $47,407,500 | 1,519 |
| Average total loans | $370,070,500 | 1,152 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5929% | 3,030 |
| Cost of funding earning assets | 0.8464% | 2,315 |
| Net interest margin | 3.7465% | 3,457 |
| Noninterest income to average assets | -0.2263% | 6,972 |
| Noninterest expense to average assets | 2.7101% | 4,367 |
| Loan and lease loss provision to assets | 1.9940% | 104 |
| Net operating income to assets | -1.6033% | 6,878 |
| Return on assets (ROA) | -1.5586% | 6,885 |
| Pretax return on assets | -1.5586% | 6,866 |
| Return on Equity (ROE) | -20.9325% | 6,893 |
| Retained earnings to average equity (ytd only) | -20.9325% | 6,864 |
| Net charge-offs to loans | 4.1050% | 62 |
| Credit loss provision to net charge-offs | 82.0306% | 3,765 |
| Earnings coverage of net charge-offs (x) | 0.1607% | 5,410 |
| Efficiency ratio | 87.3998% | 1,295 |
| Assets per employee ($millions) | 6.8252% | 844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9141% | 727 |
| Loan loss allowance to noncurrent loans | 39.1768% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 8.3492% | 320 |
| Noncurrent loans to loans | 7.4384% | 411 |
| Net loans and leases to total assets | 58.2222% | 3,937 |
| Net loans and leases to deposits | 65.7744% | 4,319 |
| Net loans and leases to core deposits | 70.6450% | 4,214 |
| Total domestic deposits to total assets | 88.5180% | 1,893 |
| Equity capital to assets | 7.4169% | 6,663 |
| Core capital (leverage) ratio | 6.4280% | 6,806 |
| Tier 1 risk-based capital ratio | 8.4846% | 6,890 |
| Total risk-based capital ratio | 9.7586% | 6,893 |
| Memoranda: | ||
| Average total assets | $692,075,800 | 951 |
| Average earning assets | $614,596,800 | 979 |
| Average equity | $51,532,200 | 1,380 |
| Average total loans | $409,818,800 | 1,023 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5495% | 3,430 |
| Cost of funding earning assets | 0.8861% | 2,263 |
| Net interest margin | 3.6634% | 3,955 |
| Noninterest income to average assets | -0.3669% | 7,109 |
| Noninterest expense to average assets | 2.7269% | 4,260 |
| Loan and lease loss provision to assets | 2.1853% | 89 |
| Net operating income to assets | -2.0258% | 7,038 |
| Return on assets (ROA) | -1.9673% | 7,045 |
| Pretax return on assets | -1.9673% | 7,027 |
| Return on Equity (ROE) | -26.3974% | 7,044 |
| Retained earnings to average equity (ytd only) | -26.3974% | 7,034 |
| Net charge-offs to loans | 4.4554% | 61 |
| Credit loss provision to net charge-offs | 83.0696% | 3,528 |
| Earnings coverage of net charge-offs (x) | 0.0606% | 5,306 |
| Efficiency ratio | 94.4743% | 747 |
| Assets per employee ($millions) | 7.1418% | 697 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1552% | 626 |
| Loan loss allowance to noncurrent loans | 31.7462% | 6,052 |
| Noncurrent assets plus other real estate owned to assets | 9.2870% | 284 |
| Noncurrent loans to loans | 9.9388% | 251 |
| Net loans and leases to total assets | 53.7497% | 4,785 |
| Net loans and leases to deposits | 60.2992% | 5,169 |
| Net loans and leases to core deposits | 66.3239% | 4,919 |
| Total domestic deposits to total assets | 89.1383% | 1,350 |
| Equity capital to assets | 7.1087% | 6,862 |
| Core capital (leverage) ratio | 6.1886% | 6,931 |
| Tier 1 risk-based capital ratio | 8.7030% | 6,967 |
| Total risk-based capital ratio | 9.9806% | 6,966 |
| Memoranda: | ||
| Average total assets | $704,702,000 | 943 |
| Average earning assets | $625,811,500 | 970 |
| Average equity | $52,519,000 | 1,363 |
| Average total loans | $416,086,250 | 1,009 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6475% | 3,147 |
| Cost of funding earning assets | 0.9530% | 2,039 |
| Net interest margin | 3.6945% | 3,849 |
| Noninterest income to average assets | -0.4121% | 7,180 |
| Noninterest expense to average assets | 2.7559% | 4,197 |
| Loan and lease loss provision to assets | 2.7332% | 76 |
| Net operating income to assets | -2.6270% | 7,131 |
| Return on assets (ROA) | -2.5403% | 7,130 |
| Pretax return on assets | -2.5403% | 7,119 |
| Return on Equity (ROE) | -33.5949% | 7,123 |
| Retained earnings to average equity (ytd only) | -33.5949% | 7,116 |
| Net charge-offs to loans | 5.3599% | 51 |
| Credit loss provision to net charge-offs | 84.7531% | 3,192 |
| Earnings coverage of net charge-offs (x) | 0.0329% | 5,064 |
| Efficiency ratio | 96.2880% | 690 |
| Assets per employee ($millions) | 7.0852% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1720% | 666 |
| Loan loss allowance to noncurrent loans | 26.9766% | 6,281 |
| Noncurrent assets plus other real estate owned to assets | 11.5163% | 196 |
| Noncurrent loans to loans | 11.7582% | 180 |
| Net loans and leases to total assets | 54.8709% | 4,652 |
| Net loans and leases to deposits | 61.5404% | 5,064 |
| Net loans and leases to core deposits | 68.4479% | 4,734 |
| Total domestic deposits to total assets | 89.1623% | 1,410 |
| Equity capital to assets | 7.0709% | 6,898 |
| Core capital (leverage) ratio | 6.2183% | 6,962 |
| Tier 1 risk-based capital ratio | 8.5274% | 7,011 |
| Total risk-based capital ratio | 9.8019% | 7,012 |
| Memoranda: | ||
| Average total assets | $713,447,000 | 933 |
| Average earning assets | $632,292,670 | 957 |
| Average equity | $53,948,670 | 1,323 |
| Average total loans | $429,263,330 | 979 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7478% | 2,853 |
| Cost of funding earning assets | 0.9843% | 2,074 |
| Net interest margin | 3.7634% | 3,546 |
| Noninterest income to average assets | 0.2014% | 6,184 |
| Noninterest expense to average assets | 2.7663% | 4,177 |
| Loan and lease loss provision to assets | 1.9087% | 158 |
| Net operating income to assets | -1.1336% | 7,025 |
| Return on assets (ROA) | -1.1281% | 7,036 |
| Pretax return on assets | -1.1281% | 7,004 |
| Return on Equity (ROE) | -14.4675% | 7,059 |
| Retained earnings to average equity (ytd only) | -14.4675% | 6,961 |
| Net charge-offs to loans | 2.8590% | 264 |
| Credit loss provision to net charge-offs | 107.9474% | 2,163 |
| Earnings coverage of net charge-offs (x) | 0.4384% | 4,128 |
| Efficiency ratio | 78.1128% | 2,483 |
| Assets per employee ($millions) | 7.8218% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2776% | 631 |
| Loan loss allowance to noncurrent loans | 30.4378% | 6,151 |
| Noncurrent assets plus other real estate owned to assets | 11.4645% | 225 |
| Noncurrent loans to loans | 10.7683% | 262 |
| Net loans and leases to total assets | 59.4169% | 3,789 |
| Net loans and leases to deposits | 67.6810% | 4,118 |
| Net loans and leases to core deposits | 75.6693% | 3,656 |
| Total domestic deposits to total assets | 87.7897% | 2,472 |
| Equity capital to assets | 7.6860% | 6,698 |
| Core capital (leverage) ratio | 7.0115% | 6,834 |
| Tier 1 risk-based capital ratio | 8.9766% | 7,034 |
| Total risk-based capital ratio | 10.2505% | 7,034 |
| Memoranda: | ||
| Average total assets | $722,993,500 | 926 |
| Average earning assets | $641,646,000 | 940 |
| Average equity | $56,374,500 | 1,261 |
| Average total loans | $447,155,500 | 927 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6408% | 4,497 |
| Cost of funding earning assets | 1.1634% | 2,262 |
| Net interest margin | 3.4773% | 5,228 |
| Noninterest income to average assets | -0.9955% | 7,322 |
| Noninterest expense to average assets | 2.7812% | 4,420 |
| Loan and lease loss provision to assets | 2.6680% | 154 |
| Net operating income to assets | -3.3276% | 7,212 |
| Return on assets (ROA) | -3.2461% | 7,210 |
| Pretax return on assets | -3.2461% | 7,211 |
| Return on Equity (ROE) | -37.7027% | 7,148 |
| Retained earnings to average equity (ytd only) | -37.7027% | 7,143 |
| Net charge-offs to loans | 4.6691% | 98 |
| Credit loss provision to net charge-offs | 92.0021% | 3,921 |
| Earnings coverage of net charge-offs (x) | -0.2274% | 5,973 |
| Efficiency ratio | 131.0853% | 224 |
| Assets per employee ($millions) | 7.3372% | 620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1476% | 713 |
| Loan loss allowance to noncurrent loans | 26.0057% | 6,393 |
| Noncurrent assets plus other real estate owned to assets | 11.7404% | 222 |
| Noncurrent loans to loans | 12.1033% | 216 |
| Net loans and leases to total assets | 60.3016% | 3,932 |
| Net loans and leases to deposits | 69.7810% | 4,143 |
| Net loans and leases to core deposits | 79.2914% | 3,534 |
| Total domestic deposits to total assets | 86.4155% | 3,067 |
| Equity capital to assets | 7.9077% | 6,627 |
| Core capital (leverage) ratio | 7.2548% | 6,763 |
| Tier 1 risk-based capital ratio | 9.1482% | 7,015 |
| Total risk-based capital ratio | 10.4207% | 7,008 |
| Memoranda: | ||
| Average total assets | $774,350,400 | 847 |
| Average earning assets | $694,149,400 | 867 |
| Average equity | $66,669,000 | 1,007 |
| Average total loans | $480,947,000 | 869 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6257% | 4,765 |
| Cost of funding earning assets | 1.2102% | 2,256 |
| Net interest margin | 3.4155% | 5,522 |
| Noninterest income to average assets | -1.2976% | 7,418 |
| Noninterest expense to average assets | 2.6300% | 4,974 |
| Loan and lease loss provision to assets | 2.8669% | 122 |
| Net operating income to assets | -3.7281% | 7,320 |
| Return on assets (ROA) | -3.6211% | 7,312 |
| Pretax return on assets | -3.6211% | 7,310 |
| Return on Equity (ROE) | -41.2808% | 7,260 |
| Retained earnings to average equity (ytd only) | -41.2808% | 7,254 |
| Net charge-offs to loans | 5.2516% | 86 |
| Credit loss provision to net charge-offs | 87.9434% | 3,851 |
| Earnings coverage of net charge-offs (x) | -0.2642% | 5,749 |
| Efficiency ratio | 148.6867% | 144 |
| Assets per employee ($millions) | 7.1352% | 688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0010% | 861 |
| Loan loss allowance to noncurrent loans | 20.9936% | 6,646 |
| Noncurrent assets plus other real estate owned to assets | 12.2868% | 219 |
| Noncurrent loans to loans | 14.2948% | 154 |
| Net loans and leases to total assets | 59.7300% | 4,180 |
| Net loans and leases to deposits | 68.2887% | 4,555 |
| Net loans and leases to core deposits | 77.4285% | 3,986 |
| Total domestic deposits to total assets | 87.4670% | 2,368 |
| Equity capital to assets | 8.1714% | 6,583 |
| Core capital (leverage) ratio | 7.3571% | 6,830 |
| Tier 1 risk-based capital ratio | 9.9443% | 6,968 |
| Total risk-based capital ratio | 11.2161% | 6,948 |
| Memoranda: | ||
| Average total assets | $786,342,500 | 839 |
| Average earning assets | $705,976,750 | 855 |
| Average equity | $68,976,250 | 981 |
| Average total loans | $488,120,000 | 870 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6055% | 4,940 |
| Cost of funding earning assets | 1.2493% | 2,253 |
| Net interest margin | 3.3561% | 5,694 |
| Noninterest income to average assets | -0.5333% | 7,432 |
| Noninterest expense to average assets | 2.7023% | 4,814 |
| Loan and lease loss provision to assets | 2.7722% | 173 |
| Net operating income to assets | -2.9971% | 7,309 |
| Return on assets (ROA) | -2.8331% | 7,298 |
| Pretax return on assets | -2.8331% | 7,287 |
| Return on Equity (ROE) | -31.6294% | 7,264 |
| Retained earnings to average equity (ytd only) | -31.6294% | 7,256 |
| Net charge-offs to loans | 3.8198% | 223 |
| Credit loss provision to net charge-offs | 116.6264% | 2,633 |
| Earnings coverage of net charge-offs (x) | -0.0946% | 5,341 |
| Efficiency ratio | 109.0799% | 490 |
| Assets per employee ($millions) | 7.4276% | 593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6558% | 529 |
| Loan loss allowance to noncurrent loans | 23.2574% | 6,608 |
| Noncurrent assets plus other real estate owned to assets | 13.6959% | 183 |
| Noncurrent loans to loans | 15.7189% | 124 |
| Net loans and leases to total assets | 58.9581% | 4,475 |
| Net loans and leases to deposits | 69.1086% | 4,552 |
| Net loans and leases to core deposits | 80.7248% | 3,687 |
| Total domestic deposits to total assets | 85.3123% | 3,722 |
| Equity capital to assets | 8.6167% | 6,039 |
| Core capital (leverage) ratio | 8.3387% | 5,809 |
| Tier 1 risk-based capital ratio | 10.9951% | 6,535 |
| Total risk-based capital ratio | 12.2693% | 6,502 |
| Memoranda: | ||
| Average total assets | $801,102,000 | 840 |
| Average earning assets | $718,626,000 | 846 |
| Average equity | $71,756,000 | 943 |
| Average total loans | $498,510,670 | 866 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6389% | 4,786 |
| Cost of funding earning assets | 1.2908% | 2,238 |
| Net interest margin | 3.3480% | 5,614 |
| Noninterest income to average assets | 0.2386% | 6,000 |
| Noninterest expense to average assets | 2.4629% | 5,698 |
| Loan and lease loss provision to assets | 1.9802% | 277 |
| Net operating income to assets | -1.2025% | 7,100 |
| Return on assets (ROA) | -1.2025% | 7,100 |
| Pretax return on assets | -1.2025% | 7,060 |
| Return on Equity (ROE) | -13.1809% | 7,104 |
| Retained earnings to average equity (ytd only) | -13.1809% | 6,980 |
| Net charge-offs to loans | 2.0637% | 616 |
| Credit loss provision to net charge-offs | 152.9637% | 1,873 |
| Earnings coverage of net charge-offs (x) | 0.6008% | 4,177 |
| Efficiency ratio | 76.0006% | 3,165 |
| Assets per employee ($millions) | 7.8266% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4527% | 634 |
| Loan loss allowance to noncurrent loans | 22.5147% | 6,669 |
| Noncurrent assets plus other real estate owned to assets | 13.7743% | 185 |
| Noncurrent loans to loans | 15.3354% | 142 |
| Net loans and leases to total assets | 60.4112% | 4,187 |
| Net loans and leases to deposits | 72.3893% | 4,007 |
| Net loans and leases to core deposits | 83.8931% | 3,174 |
| Total domestic deposits to total assets | 83.4532% | 4,718 |
| Equity capital to assets | 9.0112% | 5,191 |
| Core capital (leverage) ratio | 9.0131% | 4,591 |
| Tier 1 risk-based capital ratio | 11.5651% | 6,053 |
| Total risk-based capital ratio | 12.8347% | 6,024 |
| Memoranda: | ||
| Average total assets | $807,988,000 | 836 |
| Average earning assets | $724,486,000 | 845 |
| Average equity | $73,713,000 | 911 |
| Average total loans | $506,861,500 | 866 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6099% | 6,078 |
| Cost of funding earning assets | 1.5373% | 2,422 |
| Net interest margin | 3.0727% | 6,591 |
| Noninterest income to average assets | -0.2312% | 7,481 |
| Noninterest expense to average assets | 2.2364% | 6,522 |
| Loan and lease loss provision to assets | 2.1108% | 608 |
| Net operating income to assets | -1.7997% | 6,999 |
| Return on assets (ROA) | -1.8228% | 7,025 |
| Pretax return on assets | -1.8228% | 6,972 |
| Return on Equity (ROE) | -20.2478% | 7,043 |
| Retained earnings to average equity (ytd only) | -20.2478% | 7,017 |
| Net charge-offs to loans | 3.4856% | 409 |
| Credit loss provision to net charge-offs | 95.7040% | 4,860 |
| Earnings coverage of net charge-offs (x) | 0.1411% | 5,976 |
| Efficiency ratio | 87.7865% | 1,497 |
| Assets per employee ($millions) | 7.6400% | 556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1476% | 767 |
| Loan loss allowance to noncurrent loans | 19.8807% | 6,816 |
| Noncurrent assets plus other real estate owned to assets | 13.6844% | 203 |
| Noncurrent loans to loans | 15.8324% | 133 |
| Net loans and leases to total assets | 60.9108% | 4,502 |
| Net loans and leases to deposits | 72.7584% | 4,385 |
| Net loans and leases to core deposits | 85.1797% | 3,442 |
| Total domestic deposits to total assets | 83.7165% | 4,496 |
| Equity capital to assets | 9.2343% | 4,779 |
| Core capital (leverage) ratio | 9.1058% | 4,351 |
| Tier 1 risk-based capital ratio | 11.8804% | 5,588 |
| Total risk-based capital ratio | 13.1479% | 5,550 |
| Memoranda: | ||
| Average total assets | $866,477,000 | 780 |
| Average earning assets | $783,590,400 | 781 |
| Average equity | $78,003,400 | 844 |
| Average total loans | $548,282,200 | 821 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6124% | 6,302 |
| Cost of funding earning assets | 1.5796% | 2,515 |
| Net interest margin | 3.0328% | 6,765 |
| Noninterest income to average assets | -0.3482% | 7,642 |
| Noninterest expense to average assets | 2.1137% | 6,821 |
| Loan and lease loss provision to assets | 2.1650% | 522 |
| Net operating income to assets | -1.8821% | 7,206 |
| Return on assets (ROA) | -1.8524% | 7,211 |
| Pretax return on assets | -1.8524% | 7,153 |
| Return on Equity (ROE) | -20.6995% | 7,238 |
| Retained earnings to average equity (ytd only) | -20.6995% | 7,223 |
| Net charge-offs to loans | 4.3555% | 249 |
| Credit loss provision to net charge-offs | 78.4464% | 5,186 |
| Earnings coverage of net charge-offs (x) | 0.1025% | 5,921 |
| Efficiency ratio | 88.1933% | 1,440 |
| Assets per employee ($millions) | 7.8883% | 529 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4630% | 1,386 |
| Loan loss allowance to noncurrent loans | 14.8684% | 7,077 |
| Noncurrent assets plus other real estate owned to assets | 13.8037% | 198 |
| Noncurrent loans to loans | 16.5653% | 127 |
| Net loans and leases to total assets | 60.0702% | 4,901 |
| Net loans and leases to deposits | 71.4920% | 4,911 |
| Net loans and leases to core deposits | 84.0365% | 3,931 |
| Total domestic deposits to total assets | 84.0238% | 4,117 |
| Equity capital to assets | 9.8270% | 4,376 |
| Core capital (leverage) ratio | 9.0276% | 4,650 |
| Tier 1 risk-based capital ratio | 11.7857% | 5,653 |
| Total risk-based capital ratio | 13.0490% | 5,621 |
| Memoranda: | ||
| Average total assets | $880,637,000 | 767 |
| Average earning assets | $797,053,250 | 763 |
| Average equity | $78,808,500 | 837 |
| Average total loans | $558,025,500 | 810 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7215% | 6,071 |
| Cost of funding earning assets | 1.6320% | 2,474 |
| Net interest margin | 3.0896% | 6,630 |
| Noninterest income to average assets | -0.0773% | 7,612 |
| Noninterest expense to average assets | 2.1400% | 6,791 |
| Loan and lease loss provision to assets | 2.3365% | 497 |
| Net operating income to assets | -1.7585% | 7,248 |
| Return on assets (ROA) | -1.7144% | 7,234 |
| Pretax return on assets | -1.7144% | 7,151 |
| Return on Equity (ROE) | -19.7768% | 7,272 |
| Retained earnings to average equity (ytd only) | -19.7768% | 7,251 |
| Net charge-offs to loans | 4.4952% | 259 |
| Credit loss provision to net charge-offs | 81.3008% | 4,669 |
| Earnings coverage of net charge-offs (x) | 0.2011% | 5,523 |
| Efficiency ratio | 78.7320% | 2,618 |
| Assets per employee ($millions) | 8.1963% | 468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7125% | 1,081 |
| Loan loss allowance to noncurrent loans | 15.9874% | 7,114 |
| Noncurrent assets plus other real estate owned to assets | 14.4080% | 164 |
| Noncurrent loans to loans | 16.9662% | 130 |
| Net loans and leases to total assets | 59.6948% | 5,122 |
| Net loans and leases to deposits | 70.5755% | 5,196 |
| Net loans and leases to core deposits | 84.6256% | 4,052 |
| Total domestic deposits to total assets | 84.5829% | 3,829 |
| Equity capital to assets | 9.0499% | 5,367 |
| Core capital (leverage) ratio | 8.6693% | 5,129 |
| Tier 1 risk-based capital ratio | 11.1872% | 6,051 |
| Total risk-based capital ratio | 12.4518% | 6,021 |
| Memoranda: | ||
| Average total assets | $890,202,330 | 758 |
| Average earning assets | $805,414,000 | 754 |
| Average equity | $77,171,330 | 853 |
| Average total loans | $569,138,670 | 803 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6945% | 6,264 |
| Cost of funding earning assets | 1.7015% | 2,380 |
| Net interest margin | 2.9930% | 6,843 |
| Noninterest income to average assets | 0.3903% | 4,999 |
| Noninterest expense to average assets | 2.0522% | 7,055 |
| Loan and lease loss provision to assets | 3.2856% | 289 |
| Net operating income to assets | -2.2342% | 7,509 |
| Return on assets (ROA) | -2.2342% | 7,519 |
| Pretax return on assets | -2.2342% | 7,468 |
| Return on Equity (ROE) | -26.3304% | 7,518 |
| Retained earnings to average equity (ytd only) | -26.3304% | 7,480 |
| Net charge-offs to loans | 1.8101% | 959 |
| Credit loss provision to net charge-offs | 278.5096% | 1,424 |
| Earnings coverage of net charge-offs (x) | 0.8912% | 4,249 |
| Efficiency ratio | 66.1230% | 5,091 |
| Assets per employee ($millions) | 8.0800% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7948% | 438 |
| Loan loss allowance to noncurrent loans | 25.6601% | 6,698 |
| Noncurrent assets plus other real estate owned to assets | 13.3957% | 196 |
| Noncurrent loans to loans | 14.7886% | 189 |
| Net loans and leases to total assets | 61.5978% | 4,838 |
| Net loans and leases to deposits | 73.5562% | 4,818 |
| Net loans and leases to core deposits | 89.7889% | 3,389 |
| Total domestic deposits to total assets | 83.7425% | 4,267 |
| Equity capital to assets | 8.3612% | 6,209 |
| Core capital (leverage) ratio | 8.3673% | 5,615 |
| Tier 1 risk-based capital ratio | 10.4678% | 6,659 |
| Total risk-based capital ratio | 11.7418% | 6,628 |
| Memoranda: | ||
| Average total assets | $900,899,000 | 766 |
| Average earning assets | $816,703,000 | 764 |
| Average equity | $76,444,000 | 863 |
| Average total loans | $587,161,000 | 791 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1521% | 5,865 |
| Cost of funding earning assets | 2.2815% | 1,724 |
| Net interest margin | 2.8706% | 6,913 |
| Noninterest income to average assets | 0.4812% | 4,553 |
| Noninterest expense to average assets | 1.9032% | 7,503 |
| Loan and lease loss provision to assets | 2.6379% | 735 |
| Net operating income to assets | -1.4198% | 6,822 |
| Return on assets (ROA) | -1.6664% | 6,948 |
| Pretax return on assets | -1.6837% | 6,805 |
| Return on Equity (ROE) | -18.4465% | 7,094 |
| Retained earnings to average equity (ytd only) | -18.5617% | 7,052 |
| Net charge-offs to loans | 4.3592% | 345 |
| Credit loss provision to net charge-offs | 90.2681% | 5,989 |
| Earnings coverage of net charge-offs (x) | 0.4118% | 5,701 |
| Efficiency ratio | 61.2648% | 6,282 |
| Assets per employee ($millions) | 8.3000% | 448 |
| Cash dividends to net income (ytd only)* | -0.6245% | 7,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7843% | 946 |
| Loan loss allowance to noncurrent loans | 15.3947% | 7,239 |
| Noncurrent assets plus other real estate owned to assets | 12.8441% | 211 |
| Noncurrent loans to loans | 18.0862% | 100 |
| Net loans and leases to total assets | 64.4463% | 4,503 |
| Net loans and leases to deposits | 76.7605% | 4,613 |
| Net loans and leases to core deposits | 86.4993% | 5,474 |
| Total domestic deposits to total assets | 83.9577% | 4,044 |
| Equity capital to assets | 8.6061% | 5,719 |
| Core capital (leverage) ratio | 8.3129% | 5,587 |
| Tier 1 risk-based capital ratio | 10.9236% | 5,988 |
| Total risk-based capital ratio | 12.1868% | 5,955 |
| Memoranda: | ||
| Average total assets | $961,002,200 | 697 |
| Average earning assets | $878,906,400 | 689 |
| Average equity | $86,813,400 | 735 |
| Average total loans | $644,223,600 | 729 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3522% | 5,165 |
| Cost of funding earning assets | 2.3255% | 1,892 |
| Net interest margin | 3.0266% | 6,524 |
| Noninterest income to average assets | 0.2736% | 6,275 |
| Noninterest expense to average assets | 1.9365% | 7,484 |
| Loan and lease loss provision to assets | 2.5282% | 653 |
| Net operating income to assets | -1.4162% | 7,071 |
| Return on assets (ROA) | -1.5142% | 7,118 |
| Pretax return on assets | -1.5176% | 6,971 |
| Return on Equity (ROE) | -16.5775% | 7,261 |
| Retained earnings to average equity (ytd only) | -16.7275% | 7,221 |
| Net charge-offs to loans | 3.7726% | 387 |
| Credit loss provision to net charge-offs | 99.7082% | 5,132 |
| Earnings coverage of net charge-offs (x) | 0.4372% | 5,594 |
| Efficiency ratio | 63.5946% | 5,827 |
| Assets per employee ($millions) | 8.4423% | 440 |
| Cash dividends to net income (ytd only)* | -0.9050% | 7,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1102% | 608 |
| Loan loss allowance to noncurrent loans | 23.1968% | 6,898 |
| Noncurrent assets plus other real estate owned to assets | 9.3014% | 401 |
| Noncurrent loans to loans | 13.4081% | 206 |
| Net loans and leases to total assets | 62.6688% | 5,126 |
| Net loans and leases to deposits | 73.9203% | 5,374 |
| Net loans and leases to core deposits | 84.0276% | 6,035 |
| Total domestic deposits to total assets | 84.7789% | 3,334 |
| Equity capital to assets | 8.8948% | 5,642 |
| Core capital (leverage) ratio | 8.5981% | 5,306 |
| Tier 1 risk-based capital ratio | 11.1668% | 5,796 |
| Total risk-based capital ratio | 12.4351% | 5,719 |
| Memoranda: | ||
| Average total assets | $973,002,750 | 702 |
| Average earning assets | $890,957,750 | 694 |
| Average equity | $88,873,250 | 738 |
| Average total loans | $653,967,750 | 735 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5268% | 4,465 |
| Cost of funding earning assets | 2.3145% | 2,295 |
| Net interest margin | 3.2123% | 5,873 |
| Noninterest income to average assets | 0.3122% | 6,013 |
| Noninterest expense to average assets | 1.9689% | 7,514 |
| Loan and lease loss provision to assets | 1.1092% | 1,547 |
| Net operating income to assets | 0.2241% | 5,178 |
| Return on assets (ROA) | 0.2216% | 5,270 |
| Pretax return on assets | 0.2134% | 5,427 |
| Return on Equity (ROE) | 2.4055% | 5,137 |
| Retained earnings to average equity (ytd only) | 2.1825% | 4,129 |
| Net charge-offs to loans | 1.2930% | 1,433 |
| Credit loss provision to net charge-offs | 126.0504% | 3,685 |
| Earnings coverage of net charge-offs (x) | 1.5058% | 4,408 |
| Efficiency ratio | 59.7743% | 6,587 |
| Assets per employee ($millions) | 8.1330% | 476 |
| Cash dividends to net income (ytd only)* | 9.2678% | 3,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1161% | 511 |
| Loan loss allowance to noncurrent loans | 25.7194% | 6,795 |
| Noncurrent assets plus other real estate owned to assets | 8.9211% | 384 |
| Noncurrent loans to loans | 12.1158% | 219 |
| Net loans and leases to total assets | 67.0649% | 4,345 |
| Net loans and leases to deposits | 80.6303% | 4,453 |
| Net loans and leases to core deposits | 92.5846% | 5,283 |
| Total domestic deposits to total assets | 83.1758% | 4,156 |
| Equity capital to assets | 9.3071% | 4,855 |
| Core capital (leverage) ratio | 9.6161% | 3,743 |
| Tier 1 risk-based capital ratio | 11.5417% | 5,340 |
| Total risk-based capital ratio | 12.8079% | 5,257 |
| Memoranda: | ||
| Average total assets | $973,717,000 | 715 |
| Average earning assets | $903,851,000 | 698 |
| Average equity | $89,712,330 | 731 |
| Average total loans | $662,638,000 | 746 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4227% | 5,302 |
| Cost of funding earning assets | 2.3660% | 2,435 |
| Net interest margin | 3.0567% | 6,315 |
| Noninterest income to average assets | 0.2667% | 6,308 |
| Noninterest expense to average assets | 1.9157% | 7,519 |
| Loan and lease loss provision to assets | 1.1012% | 1,188 |
| Net operating income to assets | 0.0918% | 6,004 |
| Return on assets (ROA) | 0.0918% | 6,165 |
| Pretax return on assets | 0.0979% | 6,173 |
| Return on Equity (ROE) | 1.0010% | 6,123 |
| Retained earnings to average equity (ytd only) | 1.0010% | 5,243 |
| Net charge-offs to loans | 1.9172% | 755 |
| Credit loss provision to net charge-offs | 85.1198% | 4,097 |
| Earnings coverage of net charge-offs (x) | 0.9269% | 4,305 |
| Efficiency ratio | 61.5032% | 6,154 |
| Assets per employee ($millions) | 8.2024% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8829% | 541 |
| Loan loss allowance to noncurrent loans | 22.9448% | 7,022 |
| Noncurrent assets plus other real estate owned to assets | 8.8760% | 287 |
| Noncurrent loans to loans | 12.5646% | 161 |
| Net loans and leases to total assets | 65.9636% | 4,593 |
| Net loans and leases to deposits | 78.9547% | 4,778 |
| Net loans and leases to core deposits | 92.8894% | 5,269 |
| Total domestic deposits to total assets | 83.5462% | 3,904 |
| Equity capital to assets | 9.1295% | 5,185 |
| Core capital (leverage) ratio | 9.3065% | 4,236 |
| Tier 1 risk-based capital ratio | 11.1625% | 5,743 |
| Total risk-based capital ratio | 12.4258% | 5,643 |
| Memoranda: | ||
| Average total assets | $980,726,000 | 708 |
| Average earning assets | $913,791,000 | 688 |
| Average equity | $89,908,500 | 736 |
| Average total loans | $661,796,000 | 751 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3924% | 3,460 |
| Cost of funding earning assets | 2.7964% | 2,722 |
| Net interest margin | 3.5960% | 4,910 |
| Noninterest income to average assets | 0.3207% | 6,162 |
| Noninterest expense to average assets | 1.6702% | 7,891 |
| Loan and lease loss provision to assets | 1.5025% | 897 |
| Net operating income to assets | 0.4953% | 4,759 |
| Return on assets (ROA) | 0.2829% | 5,409 |
| Pretax return on assets | 0.3030% | 5,504 |
| Return on Equity (ROE) | 2.7093% | 5,342 |
| Retained earnings to average equity (ytd only) | -10.7774% | 7,141 |
| Net charge-offs to loans | 1.0275% | 1,206 |
| Credit loss provision to net charge-offs | 215.0642% | 2,245 |
| Earnings coverage of net charge-offs (x) | 2.9113% | 4,625 |
| Efficiency ratio | 45.0905% | 7,971 |
| Assets per employee ($millions) | 8.0768% | 462 |
| Cash dividends to net income (ytd only)* | 497.7876% | 95 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9647% | 452 |
| Loan loss allowance to noncurrent loans | 24.5110% | 7,030 |
| Noncurrent assets plus other real estate owned to assets | 8.4284% | 261 |
| Noncurrent loans to loans | 12.0952% | 127 |
| Net loans and leases to total assets | 65.0552% | 5,047 |
| Net loans and leases to deposits | 79.4735% | 5,137 |
| Net loans and leases to core deposits | 91.9641% | 5,642 |
| Total domestic deposits to total assets | 81.8578% | 4,258 |
| Equity capital to assets | 9.2052% | 5,071 |
| Core capital (leverage) ratio | 9.4355% | 4,107 |
| Tier 1 risk-based capital ratio | 11.4295% | 5,309 |
| Total risk-based capital ratio | 12.6942% | 5,192 |
| Memoranda: | ||
| Average total assets | $958,742,000 | 690 |
| Average earning assets | $902,051,200 | 665 |
| Average equity | $100,098,600 | 664 |
| Average total loans | $651,888,400 | 732 |