Home > Covenant Bank > Performance and Condition Ratios
Covenant Bank, Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3460% | 2,348 |
| Cost of funding earning assets | 1.0645% | 804 |
| Net interest margin | 3.2815% | 3,432 |
| Noninterest income to average assets | 0.1086% | 4,747 |
| Noninterest expense to average assets | 1.9928% | 4,249 |
| Loan and lease loss provision to assets | 0.0365% | 3,816 |
| Net operating income to assets | 0.9062% | 2,664 |
| Return on assets (ROA) | 0.9062% | 2,789 |
| Pretax return on assets | 1.1672% | 2,471 |
| Return on Equity (ROE) | 9.3582% | 2,220 |
| Retained earnings to average equity (ytd only) | 9.3582% | 923 |
| Net charge-offs to loans | 0.0566% | 1,690 |
| Credit loss provision to net charge-offs | 80.6452% | 2,504 |
| Earnings coverage of net charge-offs (x) | 26.6290% | 1,516 |
| Efficiency ratio | 62.3446% | 3,069 |
| Assets per employee ($millions) | 13.5111% | 223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8229% | 4,282 |
| Loan loss allowance to noncurrent loans | 113.0055% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 0.7215% | 1,710 |
| Noncurrent loans to loans | 0.7282% | 2,058 |
| Net loans and leases to total assets | 76.9946% | 1,001 |
| Net loans and leases to deposits | 97.5372% | 690 |
| Net loans and leases to core deposits | 109.8459% | 745 |
| Total domestic deposits to total assets | 78.9387% | 4,046 |
| Equity capital to assets | 8.8363% | 4,227 |
| Core capital (leverage) ratio | 9.2566% | 3,630 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.2829% | 2,491 |
| Memoranda: | ||
| Average total assets | $548,682,667 | 1,395 |
| Average earning assets | $516,292,667 | 1,388 |
| Average equity | $53,130,000 | 1,578 |
| Average total loans | $437,901,000 | 1,235 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7390% | 1,592 |
| Cost of funding earning assets | 1.2253% | 706 |
| Net interest margin | 3.5137% | 2,935 |
| Noninterest income to average assets | 0.1148% | 4,771 |
| Noninterest expense to average assets | 2.1533% | 4,109 |
| Loan and lease loss provision to assets | 0.0193% | 3,552 |
| Net operating income to assets | 0.9949% | 2,186 |
| Return on assets (ROA) | 0.9949% | 2,293 |
| Pretax return on assets | 1.2439% | 2,051 |
| Return on Equity (ROE) | 9.7743% | 1,819 |
| Retained earnings to average equity (ytd only) | 9.7743% | 788 |
| Net charge-offs to loans | 0.1179% | 997 |
| Credit loss provision to net charge-offs | 20.1613% | 2,200 |
| Earnings coverage of net charge-offs (x) | 13.2177% | 1,663 |
| Efficiency ratio | 63.0273% | 3,366 |
| Assets per employee ($millions) | 10.4460% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9176% | 4,045 |
| Loan loss allowance to noncurrent loans | 154.2983% | 2,496 |
| Noncurrent assets plus other real estate owned to assets | 0.7321% | 1,839 |
| Noncurrent loans to loans | 0.5947% | 2,518 |
| Net loans and leases to total assets | 79.7789% | 723 |
| Net loans and leases to deposits | 103.4551% | 390 |
| Net loans and leases to core deposits | 121.3686% | 432 |
| Total domestic deposits to total assets | 77.1145% | 4,337 |
| Equity capital to assets | 10.0496% | 3,729 |
| Core capital (leverage) ratio | 10.2360% | 3,212 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.8967% | 2,755 |
| Memoranda: | ||
| Average total assets | $519,023,500 | 1,420 |
| Average earning assets | $487,697,500 | 1,406 |
| Average equity | $52,832,500 | 1,580 |
| Average total loans | $420,845,500 | 1,244 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0333% | 1,388 |
| Cost of funding earning assets | 1.3616% | 629 |
| Net interest margin | 3.6717% | 2,898 |
| Noninterest income to average assets | 0.1295% | 4,820 |
| Noninterest expense to average assets | 2.2823% | 3,986 |
| Loan and lease loss provision to assets | 0.0950% | 2,137 |
| Net operating income to assets | 0.9725% | 2,939 |
| Return on assets (ROA) | 0.9725% | 3,026 |
| Pretax return on assets | 1.2130% | 2,793 |
| Return on Equity (ROE) | 9.6119% | 2,469 |
| Retained earnings to average equity (ytd only) | 9.6119% | 567 |
| Net charge-offs to loans | 0.2628% | 786 |
| Credit loss provision to net charge-offs | 43.9408% | 3,172 |
| Earnings coverage of net charge-offs (x) | 6.0527% | 3,012 |
| Efficiency ratio | 63.5690% | 3,132 |
| Assets per employee ($millions) | 9.9182% | 368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9410% | 3,777 |
| Loan loss allowance to noncurrent loans | 152.3645% | 2,568 |
| Noncurrent assets plus other real estate owned to assets | 0.7608% | 1,701 |
| Noncurrent loans to loans | 0.6176% | 2,344 |
| Net loans and leases to total assets | 80.8893% | 681 |
| Net loans and leases to deposits | 105.5579% | 315 |
| Net loans and leases to core deposits | 122.5826% | 413 |
| Total domestic deposits to total assets | 76.6302% | 4,530 |
| Equity capital to assets | 10.3105% | 3,623 |
| Core capital (leverage) ratio | 10.3259% | 3,161 |
| Tier 1 risk-based capital ratio | 12.4961% | 4,069 |
| Total risk-based capital ratio | 13.4442% | 4,129 |
| Memoranda: | ||
| Average total assets | $500,236,200 | 1,426 |
| Average earning assets | $471,498,200 | 1,413 |
| Average equity | $50,614,600 | 1,583 |
| Average total loans | $411,363,400 | 1,241 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0276% | 1,470 |
| Cost of funding earning assets | 1.3731% | 633 |
| Net interest margin | 3.6545% | 3,075 |
| Noninterest income to average assets | 0.1265% | 4,893 |
| Noninterest expense to average assets | 2.1438% | 4,285 |
| Loan and lease loss provision to assets | 0.2283% | 745 |
| Net operating income to assets | 0.9608% | 3,122 |
| Return on assets (ROA) | 0.9608% | 3,202 |
| Pretax return on assets | 1.1980% | 2,986 |
| Return on Equity (ROE) | 9.5433% | 2,651 |
| Retained earnings to average equity (ytd only) | 9.5433% | 883 |
| Net charge-offs to loans | 0.2710% | 650 |
| Credit loss provision to net charge-offs | 102.2864% | 2,206 |
| Earnings coverage of net charge-offs (x) | 6.3899% | 2,843 |
| Efficiency ratio | 60.0482% | 3,637 |
| Assets per employee ($millions) | 9.6631% | 386 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 3,026 |
| Loan loss allowance to noncurrent loans | 153.7663% | 2,555 |
| Noncurrent assets plus other real estate owned to assets | 0.8416% | 1,635 |
| Noncurrent loans to loans | 0.7155% | 2,173 |
| Net loans and leases to total assets | 80.6155% | 761 |
| Net loans and leases to deposits | 107.9704% | 269 |
| Net loans and leases to core deposits | 127.5606% | 339 |
| Total domestic deposits to total assets | 74.6645% | 4,771 |
| Equity capital to assets | 10.1358% | 3,881 |
| Core capital (leverage) ratio | 10.3880% | 3,215 |
| Tier 1 risk-based capital ratio | 12.1123% | 4,360 |
| Total risk-based capital ratio | 13.2003% | 4,327 |
| Memoranda: | ||
| Average total assets | $496,358,500 | 1,439 |
| Average earning assets | $467,727,500 | 1,430 |
| Average equity | $49,974,250 | 1,601 |
| Average total loans | $408,917,500 | 1,258 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9577% | 1,593 |
| Cost of funding earning assets | 1.3497% | 646 |
| Net interest margin | 3.6080% | 3,231 |
| Noninterest income to average assets | 0.1356% | 4,890 |
| Noninterest expense to average assets | 2.2383% | 4,151 |
| Loan and lease loss provision to assets | 0.3258% | 408 |
| Net operating income to assets | 0.8255% | 3,560 |
| Return on assets (ROA) | 0.8255% | 3,618 |
| Pretax return on assets | 0.9823% | 3,608 |
| Return on Equity (ROE) | 8.2183% | 3,187 |
| Retained earnings to average equity (ytd only) | 8.2183% | 1,308 |
| Net charge-offs to loans | 0.4113% | 407 |
| Credit loss provision to net charge-offs | 95.8084% | 2,067 |
| Earnings coverage of net charge-offs (x) | 3.8467% | 2,791 |
| Efficiency ratio | 63.1144% | 3,266 |
| Assets per employee ($millions) | 9.5323% | 393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1031% | 3,052 |
| Loan loss allowance to noncurrent loans | 134.7054% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 0.9232% | 1,503 |
| Noncurrent loans to loans | 0.8189% | 1,955 |
| Net loans and leases to total assets | 80.7238% | 769 |
| Net loans and leases to deposits | 105.4334% | 361 |
| Net loans and leases to core deposits | 121.3958% | 504 |
| Total domestic deposits to total assets | 76.5638% | 4,612 |
| Equity capital to assets | 9.9591% | 4,006 |
| Core capital (leverage) ratio | 10.4051% | 3,189 |
| Tier 1 risk-based capital ratio | 12.0885% | 4,372 |
| Total risk-based capital ratio | 13.1950% | 4,332 |
| Memoranda: | ||
| Average total assets | $491,096,000 | 1,455 |
| Average earning assets | $464,248,000 | 1,438 |
| Average equity | $49,329,000 | 1,613 |
| Average total loans | $406,069,330 | 1,264 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9633% | 1,433 |
| Cost of funding earning assets | 1.3305% | 596 |
| Net interest margin | 3.6327% | 3,126 |
| Noninterest income to average assets | 0.1405% | 4,890 |
| Noninterest expense to average assets | 2.2519% | 4,146 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.0999% | 2,467 |
| Return on assets (ROA) | 1.0999% | 2,515 |
| Pretax return on assets | 1.3272% | 2,345 |
| Return on Equity (ROE) | 10.9018% | 1,980 |
| Retained earnings to average equity (ytd only) | 10.9018% | 821 |
| Net charge-offs to loans | -0.1618% | 5,140 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9185% | 3,391 |
| Assets per employee ($millions) | 9.7752% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1682% | 2,752 |
| Loan loss allowance to noncurrent loans | 111.6678% | 3,209 |
| Noncurrent assets plus other real estate owned to assets | 0.8732% | 1,620 |
| Noncurrent loans to loans | 1.0461% | 1,593 |
| Net loans and leases to total assets | 82.1682% | 571 |
| Net loans and leases to deposits | 106.7286% | 299 |
| Net loans and leases to core deposits | 122.8329% | 455 |
| Total domestic deposits to total assets | 76.9879% | 4,654 |
| Equity capital to assets | 10.1303% | 3,692 |
| Core capital (leverage) ratio | 10.3554% | 3,214 |
| Tier 1 risk-based capital ratio | 12.0494% | 4,430 |
| Total risk-based capital ratio | 13.2159% | 4,372 |
| Memoranda: | ||
| Average total assets | $484,037,000 | 1,480 |
| Average earning assets | $458,167,500 | 1,457 |
| Average equity | $48,836,000 | 1,611 |
| Average total loans | $402,915,500 | 1,274 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8726% | 1,361 |
| Cost of funding earning assets | 1.2207% | 309 |
| Net interest margin | 3.6519% | 3,213 |
| Noninterest income to average assets | 0.1384% | 5,016 |
| Noninterest expense to average assets | 2.1718% | 4,403 |
| Loan and lease loss provision to assets | 0.6203% | 179 |
| Net operating income to assets | 0.6789% | 4,208 |
| Return on assets (ROA) | 0.6789% | 4,212 |
| Pretax return on assets | 0.7987% | 4,170 |
| Return on Equity (ROE) | 6.9983% | 3,820 |
| Retained earnings to average equity (ytd only) | 6.9983% | 1,672 |
| Net charge-offs to loans | 0.7797% | 197 |
| Credit loss provision to net charge-offs | 95.9097% | 2,630 |
| Earnings coverage of net charge-offs (x) | 2.1940% | 3,551 |
| Efficiency ratio | 60.4821% | 3,779 |
| Assets per employee ($millions) | 9.5863% | 387 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1475% | 2,840 |
| Loan loss allowance to noncurrent loans | 84.2337% | 3,666 |
| Noncurrent assets plus other real estate owned to assets | 1.1546% | 1,142 |
| Noncurrent loans to loans | 1.3623% | 1,144 |
| Net loans and leases to total assets | 82.3875% | 604 |
| Net loans and leases to deposits | 108.1916% | 299 |
| Net loans and leases to core deposits | 127.3880% | 368 |
| Total domestic deposits to total assets | 76.1496% | 4,738 |
| Equity capital to assets | 10.0475% | 3,634 |
| Core capital (leverage) ratio | 10.0643% | 3,504 |
| Tier 1 risk-based capital ratio | 11.9495% | 4,457 |
| Total risk-based capital ratio | 13.0978% | 4,412 |
| Memoranda: | ||
| Average total assets | $472,520,400 | 1,482 |
| Average earning assets | $446,701,200 | 1,462 |
| Average equity | $45,839,600 | 1,641 |
| Average total loans | $391,962,000 | 1,277 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7606% | 1,519 |
| Cost of funding earning assets | 1.1864% | 274 |
| Net interest margin | 3.5742% | 3,450 |
| Noninterest income to average assets | 0.1441% | 5,055 |
| Noninterest expense to average assets | 2.2122% | 4,294 |
| Loan and lease loss provision to assets | 0.7490% | 129 |
| Net operating income to assets | 0.4922% | 4,774 |
| Return on assets (ROA) | 0.4922% | 4,781 |
| Pretax return on assets | 0.5604% | 4,800 |
| Return on Equity (ROE) | 5.1200% | 4,519 |
| Retained earnings to average equity (ytd only) | 5.1200% | 3,175 |
| Net charge-offs to loans | 0.6375% | 225 |
| Credit loss provision to net charge-offs | 141.8231% | 1,782 |
| Earnings coverage of net charge-offs (x) | 2.4794% | 3,242 |
| Efficiency ratio | 62.8176% | 3,374 |
| Assets per employee ($millions) | 9.5989% | 370 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3586% | 1,850 |
| Loan loss allowance to noncurrent loans | 95.2956% | 3,540 |
| Noncurrent assets plus other real estate owned to assets | 1.2106% | 1,150 |
| Noncurrent loans to loans | 1.4257% | 1,162 |
| Net loans and leases to total assets | 82.4293% | 641 |
| Net loans and leases to deposits | 107.6626% | 367 |
| Net loans and leases to core deposits | 125.5366% | 423 |
| Total domestic deposits to total assets | 76.5626% | 4,713 |
| Equity capital to assets | 9.7034% | 3,914 |
| Core capital (leverage) ratio | 9.4855% | 4,193 |
| Tier 1 risk-based capital ratio | 11.3791% | 4,856 |
| Total risk-based capital ratio | 12.6303% | 4,744 |
| Memoranda: | ||
| Average total assets | $470,822,250 | 1,495 |
| Average earning assets | $444,917,500 | 1,469 |
| Average equity | $45,259,750 | 1,664 |
| Average total loans | $390,083,000 | 1,287 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6664% | 1,590 |
| Cost of funding earning assets | 1.1220% | 265 |
| Net interest margin | 3.5444% | 3,481 |
| Noninterest income to average assets | 0.1569% | 5,043 |
| Noninterest expense to average assets | 2.2275% | 4,307 |
| Loan and lease loss provision to assets | 1.0907% | 70 |
| Net operating income to assets | 0.1971% | 5,233 |
| Return on assets (ROA) | 0.1971% | 5,226 |
| Pretax return on assets | 0.1868% | 5,247 |
| Return on Equity (ROE) | 2.0570% | 5,166 |
| Retained earnings to average equity (ytd only) | 2.0570% | 4,437 |
| Net charge-offs to loans | 0.9663% | 138 |
| Credit loss provision to net charge-offs | 136.6363% | 1,669 |
| Earnings coverage of net charge-offs (x) | 1.6004% | 3,044 |
| Efficiency ratio | 63.5521% | 3,378 |
| Assets per employee ($millions) | 9.4287% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3479% | 1,960 |
| Loan loss allowance to noncurrent loans | 91.9128% | 3,615 |
| Noncurrent assets plus other real estate owned to assets | 1.3170% | 1,073 |
| Noncurrent loans to loans | 1.4665% | 1,151 |
| Net loans and leases to total assets | 81.4773% | 773 |
| Net loans and leases to deposits | 106.0537% | 430 |
| Net loans and leases to core deposits | 128.9645% | 351 |
| Total domestic deposits to total assets | 76.8265% | 4,754 |
| Equity capital to assets | 9.4268% | 4,168 |
| Core capital (leverage) ratio | 9.5202% | 4,096 |
| Tier 1 risk-based capital ratio | 11.2325% | 4,933 |
| Total risk-based capital ratio | 12.4836% | 4,830 |
| Memoranda: | ||
| Average total assets | $467,781,000 | 1,510 |
| Average earning assets | $441,877,670 | 1,484 |
| Average equity | $44,822,670 | 1,679 |
| Average total loans | $386,422,330 | 1,294 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5414% | 1,742 |
| Cost of funding earning assets | 1.0209% | 335 |
| Net interest margin | 3.5205% | 3,458 |
| Noninterest income to average assets | 0.1856% | 4,915 |
| Noninterest expense to average assets | 2.1421% | 4,551 |
| Loan and lease loss provision to assets | 2.1308% | 31 |
| Net operating income to assets | -0.5498% | 5,501 |
| Return on assets (ROA) | -0.5498% | 5,500 |
| Pretax return on assets | -0.7588% | 5,523 |
| Return on Equity (ROE) | -5.6901% | 5,506 |
| Retained earnings to average equity (ytd only) | -5.6901% | 5,234 |
| Net charge-offs to loans | 1.8275% | 71 |
| Credit loss provision to net charge-offs | 141.1258% | 1,268 |
| Earnings coverage of net charge-offs (x) | 0.9087% | 2,605 |
| Efficiency ratio | 60.9576% | 3,950 |
| Assets per employee ($millions) | 9.9057% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3983% | 1,850 |
| Loan loss allowance to noncurrent loans | 97.6976% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 1.2766% | 1,162 |
| Noncurrent loans to loans | 1.4312% | 1,238 |
| Net loans and leases to total assets | 79.9223% | 944 |
| Net loans and leases to deposits | 104.2143% | 469 |
| Net loans and leases to core deposits | 124.0850% | 467 |
| Total domestic deposits to total assets | 76.6904% | 4,899 |
| Equity capital to assets | 9.2992% | 4,266 |
| Core capital (leverage) ratio | 9.5662% | 3,997 |
| Tier 1 risk-based capital ratio | 11.2093% | 5,022 |
| Total risk-based capital ratio | 12.4610% | 4,923 |
| Memoranda: | ||
| Average total assets | $461,240,000 | 1,536 |
| Average earning assets | $436,073,000 | 1,508 |
| Average equity | $44,569,000 | 1,692 |
| Average total loans | $381,060,000 | 1,315 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7149% | 1,164 |
| Cost of funding earning assets | 0.8244% | 544 |
| Net interest margin | 3.8905% | 2,115 |
| Noninterest income to average assets | 0.0813% | 5,455 |
| Noninterest expense to average assets | 2.5971% | 3,456 |
| Loan and lease loss provision to assets | 0.6476% | 191 |
| Net operating income to assets | 0.3388% | 4,852 |
| Return on assets (ROA) | 0.3393% | 4,876 |
| Pretax return on assets | 0.5007% | 4,931 |
| Return on Equity (ROE) | 3.8808% | 4,540 |
| Retained earnings to average equity (ytd only) | 3.8808% | 2,879 |
| Net charge-offs to loans | 0.5477% | 426 |
| Credit loss provision to net charge-offs | 140.9626% | 1,875 |
| Earnings coverage of net charge-offs (x) | 2.4979% | 3,735 |
| Efficiency ratio | 69.3564% | 2,645 |
| Assets per employee ($millions) | 9.3278% | 399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2404% | 2,531 |
| Loan loss allowance to noncurrent loans | 155.1976% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.7826% | 1,990 |
| Noncurrent loans to loans | 0.7993% | 2,213 |
| Net loans and leases to total assets | 83.0960% | 545 |
| Net loans and leases to deposits | 106.9617% | 360 |
| Net loans and leases to core deposits | 125.8474% | 440 |
| Total domestic deposits to total assets | 77.6876% | 4,763 |
| Equity capital to assets | 10.0622% | 3,632 |
| Core capital (leverage) ratio | 10.2349% | 3,146 |
| Tier 1 risk-based capital ratio | 11.6914% | 4,729 |
| Total risk-based capital ratio | 12.9245% | 4,625 |
| Memoranda: | ||
| Average total assets | $407,070,000 | 1,677 |
| Average earning assets | $383,292,600 | 1,658 |
| Average equity | $35,585,200 | 2,048 |
| Average total loans | $341,421,600 | 1,404 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6991% | 1,139 |
| Cost of funding earning assets | 0.7790% | 655 |
| Net interest margin | 3.9201% | 1,967 |
| Noninterest income to average assets | 0.0944% | 5,495 |
| Noninterest expense to average assets | 2.5883% | 3,443 |
| Loan and lease loss provision to assets | 0.6839% | 164 |
| Net operating income to assets | 0.4214% | 4,954 |
| Return on assets (ROA) | 0.4223% | 4,980 |
| Pretax return on assets | 0.5153% | 4,997 |
| Return on Equity (ROE) | 5.0453% | 4,517 |
| Retained earnings to average equity (ytd only) | 5.0453% | 2,865 |
| Net charge-offs to loans | 0.2253% | 960 |
| Credit loss provision to net charge-offs | 359.0829% | 845 |
| Earnings coverage of net charge-offs (x) | 6.2910% | 3,001 |
| Efficiency ratio | 68.3552% | 2,815 |
| Assets per employee ($millions) | 8.6153% | 498 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1925% | 413 |
| Loan loss allowance to noncurrent loans | 97.8213% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 2.0259% | 632 |
| Noncurrent loans to loans | 2.2414% | 723 |
| Net loans and leases to total assets | 82.7635% | 571 |
| Net loans and leases to deposits | 102.4769% | 585 |
| Net loans and leases to core deposits | 120.0531% | 586 |
| Total domestic deposits to total assets | 80.7632% | 4,117 |
| Equity capital to assets | 8.5824% | 5,233 |
| Core capital (leverage) ratio | 8.8662% | 4,908 |
| Tier 1 risk-based capital ratio | 10.0970% | 5,574 |
| Total risk-based capital ratio | 11.3586% | 5,529 |
| Memoranda: | ||
| Average total assets | $396,904,000 | 1,727 |
| Average earning assets | $373,821,000 | 1,706 |
| Average equity | $33,218,500 | 2,180 |
| Average total loans | $335,501,750 | 1,434 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6683% | 1,123 |
| Cost of funding earning assets | 0.7299% | 761 |
| Net interest margin | 3.9384% | 1,813 |
| Noninterest income to average assets | 0.0985% | 5,521 |
| Noninterest expense to average assets | 2.7022% | 3,081 |
| Loan and lease loss provision to assets | 0.3890% | 352 |
| Net operating income to assets | 0.5517% | 4,514 |
| Return on assets (ROA) | 0.5529% | 4,551 |
| Pretax return on assets | 0.7116% | 4,519 |
| Return on Equity (ROE) | 6.6692% | 3,738 |
| Retained earnings to average equity (ytd only) | 6.6692% | 1,756 |
| Net charge-offs to loans | 0.0153% | 2,937 |
| Credit loss provision to net charge-offs | 3,000.0000% | 135 |
| Earnings coverage of net charge-offs (x) | 84.7600% | 738 |
| Efficiency ratio | 71.0875% | 2,498 |
| Assets per employee ($millions) | 8.6834% | 465 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0226% | 578 |
| Loan loss allowance to noncurrent loans | 96.9920% | 3,623 |
| Noncurrent assets plus other real estate owned to assets | 2.0096% | 632 |
| Noncurrent loans to loans | 2.0853% | 795 |
| Net loans and leases to total assets | 84.3199% | 410 |
| Net loans and leases to deposits | 104.6487% | 462 |
| Net loans and leases to core deposits | 115.7514% | 725 |
| Total domestic deposits to total assets | 80.5743% | 4,291 |
| Equity capital to assets | 8.2188% | 5,438 |
| Core capital (leverage) ratio | 8.6968% | 5,050 |
| Tier 1 risk-based capital ratio | 9.4273% | 5,714 |
| Total risk-based capital ratio | 10.6866% | 5,702 |
| Memoranda: | ||
| Average total assets | $385,616,330 | 1,778 |
| Average earning assets | $362,531,670 | 1,753 |
| Average equity | $31,968,000 | 2,232 |
| Average total loans | $325,832,330 | 1,473 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5540% | 1,249 |
| Cost of funding earning assets | 0.6657% | 1,000 |
| Net interest margin | 3.8882% | 1,823 |
| Noninterest income to average assets | 0.1721% | 5,250 |
| Noninterest expense to average assets | 2.9829% | 2,206 |
| Loan and lease loss provision to assets | 0.3226% | 387 |
| Net operating income to assets | 0.4312% | 4,856 |
| Return on assets (ROA) | 0.4312% | 4,876 |
| Pretax return on assets | 0.5280% | 4,904 |
| Return on Equity (ROE) | 4.8926% | 4,436 |
| Retained earnings to average equity (ytd only) | 4.8926% | 2,953 |
| Net charge-offs to loans | -0.0052% | 4,196 |
| Credit loss provision to net charge-offs | -7,500.0000% | 4,740 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8121% | 1,656 |
| Assets per employee ($millions) | 8.0709% | 601 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1798% | 3,256 |
| Loan loss allowance to noncurrent loans | 55.1496% | 4,544 |
| Noncurrent assets plus other real estate owned to assets | 2.0292% | 649 |
| Noncurrent loans to loans | 2.1392% | 805 |
| Net loans and leases to total assets | 82.8970% | 471 |
| Net loans and leases to deposits | 104.5435% | 383 |
| Net loans and leases to core deposits | 114.3696% | 655 |
| Total domestic deposits to total assets | 79.2943% | 4,770 |
| Equity capital to assets | 8.5193% | 5,228 |
| Core capital (leverage) ratio | 9.1794% | 4,511 |
| Tier 1 risk-based capital ratio | 9.9346% | 5,713 |
| Total risk-based capital ratio | 11.0990% | 5,703 |
| Memoranda: | ||
| Average total assets | $371,982,500 | 1,852 |
| Average earning assets | $350,289,000 | 1,824 |
| Average equity | $32,784,000 | 2,205 |
| Average total loans | $309,397,000 | 1,533 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6432% | 1,183 |
| Cost of funding earning assets | 0.6463% | 1,078 |
| Net interest margin | 3.9968% | 1,639 |
| Noninterest income to average assets | 0.1076% | 5,622 |
| Noninterest expense to average assets | 3.1760% | 1,851 |
| Loan and lease loss provision to assets | 0.4717% | 297 |
| Net operating income to assets | 0.1930% | 5,431 |
| Return on assets (ROA) | 0.2525% | 5,386 |
| Pretax return on assets | 0.2678% | 5,406 |
| Return on Equity (ROE) | 2.5695% | 5,277 |
| Retained earnings to average equity (ytd only) | 2.4577% | 4,129 |
| Net charge-offs to loans | 0.2691% | 1,029 |
| Credit loss provision to net charge-offs | 220.5607% | 1,299 |
| Earnings coverage of net charge-offs (x) | 3.1620% | 3,716 |
| Efficiency ratio | 82.4470% | 1,152 |
| Assets per employee ($millions) | 7.7514% | 669 |
| Cash dividends to net income (ytd only)* | 4.3536% | 4,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2014% | 3,118 |
| Loan loss allowance to noncurrent loans | 47.1295% | 4,731 |
| Noncurrent assets plus other real estate owned to assets | 2.4057% | 511 |
| Noncurrent loans to loans | 2.5492% | 610 |
| Net loans and leases to total assets | 81.4120% | 685 |
| Net loans and leases to deposits | 104.6136% | 411 |
| Net loans and leases to core deposits | 112.3376% | 765 |
| Total domestic deposits to total assets | 77.8217% | 5,001 |
| Equity capital to assets | 9.1327% | 4,666 |
| Core capital (leverage) ratio | 9.7089% | 3,844 |
| Tier 1 risk-based capital ratio | 10.7416% | 5,468 |
| Total risk-based capital ratio | 11.9147% | 5,418 |
| Memoranda: | ||
| Average total assets | $300,216,600 | 2,161 |
| Average earning assets | $281,274,200 | 2,146 |
| Average equity | $29,499,600 | 2,397 |
| Average total loans | $238,612,200 | 1,850 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5773% | 1,340 |
| Cost of funding earning assets | 0.6594% | 1,010 |
| Net interest margin | 3.9179% | 1,916 |
| Noninterest income to average assets | 0.1673% | 5,428 |
| Noninterest expense to average assets | 3.3555% | 1,441 |
| Loan and lease loss provision to assets | 0.3788% | 398 |
| Net operating income to assets | 0.1039% | 5,620 |
| Return on assets (ROA) | 0.1924% | 5,540 |
| Pretax return on assets | 0.1845% | 5,584 |
| Return on Equity (ROE) | 1.9164% | 5,483 |
| Retained earnings to average equity (ytd only) | 1.7633% | 4,799 |
| Net charge-offs to loans | 0.1435% | 1,552 |
| Credit loss provision to net charge-offs | 335.9504% | 952 |
| Earnings coverage of net charge-offs (x) | 4.2107% | 3,299 |
| Efficiency ratio | 87.6034% | 698 |
| Assets per employee ($millions) | 6.8897% | 932 |
| Cash dividends to net income (ytd only)* | 7.9906% | 3,603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 2,738 |
| Loan loss allowance to noncurrent loans | 46.2798% | 4,841 |
| Noncurrent assets plus other real estate owned to assets | 2.6287% | 505 |
| Noncurrent loans to loans | 2.7887% | 576 |
| Net loans and leases to total assets | 80.4573% | 820 |
| Net loans and leases to deposits | 118.0284% | 132 |
| Net loans and leases to core deposits | 118.8392% | 543 |
| Total domestic deposits to total assets | 68.1677% | 5,766 |
| Equity capital to assets | 10.2058% | 3,906 |
| Core capital (leverage) ratio | 10.9596% | 2,493 |
| Tier 1 risk-based capital ratio | 11.9740% | 4,807 |
| Total risk-based capital ratio | 13.2209% | 4,705 |
| Memoranda: | ||
| Average total assets | $286,129,750 | 2,247 |
| Average earning assets | $267,518,750 | 2,236 |
| Average equity | $28,733,500 | 2,477 |
| Average total loans | $224,811,250 | 1,952 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5640% | 1,346 |
| Cost of funding earning assets | 0.6816% | 881 |
| Net interest margin | 3.8824% | 2,036 |
| Noninterest income to average assets | 0.2704% | 4,846 |
| Noninterest expense to average assets | 3.5402% | 1,101 |
| Loan and lease loss provision to assets | 0.4654% | 296 |
| Net operating income to assets | -0.0399% | 5,787 |
| Return on assets (ROA) | 0.0979% | 5,712 |
| Pretax return on assets | 0.0283% | 5,775 |
| Return on Equity (ROE) | 0.9808% | 5,689 |
| Retained earnings to average equity (ytd only) | 0.7410% | 5,078 |
| Net charge-offs to loans | 0.1994% | 1,149 |
| Credit loss provision to net charge-offs | 301.4085% | 954 |
| Earnings coverage of net charge-offs (x) | 2.3052% | 3,293 |
| Efficiency ratio | 90.8634% | 554 |
| Assets per employee ($millions) | 6.5485% | 1,063 |
| Cash dividends to net income (ytd only)* | 24.4444% | 3,043 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4128% | 2,233 |
| Loan loss allowance to noncurrent loans | 78.2737% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 1.8213% | 939 |
| Noncurrent loans to loans | 1.8049% | 1,141 |
| Net loans and leases to total assets | 75.5883% | 1,555 |
| Net loans and leases to deposits | 100.6080% | 645 |
| Net loans and leases to core deposits | 101.1645% | 1,544 |
| Total domestic deposits to total assets | 75.1315% | 5,397 |
| Equity capital to assets | 9.3321% | 4,940 |
| Core capital (leverage) ratio | 9.9096% | 3,671 |
| Tier 1 risk-based capital ratio | 11.6060% | 5,090 |
| Total risk-based capital ratio | 12.8575% | 4,985 |
| Memoranda: | ||
| Average total assets | $275,864,000 | 2,330 |
| Average earning assets | $257,624,330 | 2,315 |
| Average equity | $27,529,670 | 2,564 |
| Average total loans | $213,640,000 | 2,023 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6300% | 1,185 |
| Cost of funding earning assets | 0.6699% | 950 |
| Net interest margin | 3.9601% | 1,740 |
| Noninterest income to average assets | 0.2372% | 5,045 |
| Noninterest expense to average assets | 3.2996% | 1,604 |
| Loan and lease loss provision to assets | 0.2567% | 672 |
| Net operating income to assets | 0.2822% | 5,351 |
| Return on assets (ROA) | 0.2822% | 5,429 |
| Pretax return on assets | 0.3723% | 5,359 |
| Return on Equity (ROE) | 2.7301% | 5,316 |
| Retained earnings to average equity (ytd only) | 2.2509% | 4,361 |
| Net charge-offs to loans | -0.0790% | 5,545 |
| Credit loss provision to net charge-offs | -417.0732% | 4,511 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.9893% | 1,157 |
| Assets per employee ($millions) | 6.6843% | 1,014 |
| Cash dividends to net income (ytd only)* | 17.5532% | 2,590 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4168% | 2,347 |
| Loan loss allowance to noncurrent loans | 69.2505% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 2.2085% | 742 |
| Noncurrent loans to loans | 2.0459% | 1,036 |
| Net loans and leases to total assets | 77.4222% | 1,185 |
| Net loans and leases to deposits | 110.6168% | 211 |
| Net loans and leases to core deposits | 111.1609% | 799 |
| Total domestic deposits to total assets | 69.9914% | 5,865 |
| Equity capital to assets | 10.3623% | 3,668 |
| Core capital (leverage) ratio | 10.8080% | 2,610 |
| Tier 1 risk-based capital ratio | 12.6801% | 4,466 |
| Total risk-based capital ratio | 13.9317% | 4,379 |
| Memoranda: | ||
| Average total assets | $266,455,000 | 2,420 |
| Average earning assets | $248,379,000 | 2,402 |
| Average equity | $27,544,500 | 2,559 |
| Average total loans | $207,491,500 | 2,076 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7066% | 1,091 |
| Cost of funding earning assets | 0.5328% | 1,899 |
| Net interest margin | 4.1738% | 1,222 |
| Noninterest income to average assets | 0.1601% | 5,622 |
| Noninterest expense to average assets | 3.1582% | 2,066 |
| Loan and lease loss provision to assets | 0.6113% | 172 |
| Net operating income to assets | 0.2437% | 5,497 |
| Return on assets (ROA) | 0.2512% | 5,546 |
| Pretax return on assets | 0.3370% | 5,443 |
| Return on Equity (ROE) | 2.2009% | 5,516 |
| Retained earnings to average equity (ytd only) | 2.0132% | 4,585 |
| Net charge-offs to loans | 1.0530% | 186 |
| Credit loss provision to net charge-offs | 74.1590% | 3,055 |
| Earnings coverage of net charge-offs (x) | 1.1381% | 4,136 |
| Efficiency ratio | 77.0974% | 2,106 |
| Assets per employee ($millions) | 6.6384% | 1,031 |
| Cash dividends to net income (ytd only)* | 8.5284% | 4,111 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3478% | 2,676 |
| Loan loss allowance to noncurrent loans | 83.2229% | 4,055 |
| Noncurrent assets plus other real estate owned to assets | 1.8562% | 1,004 |
| Noncurrent loans to loans | 1.6195% | 1,414 |
| Net loans and leases to total assets | 76.1623% | 1,390 |
| Net loans and leases to deposits | 104.3674% | 420 |
| Net loans and leases to core deposits | 104.8615% | 1,175 |
| Total domestic deposits to total assets | 72.9751% | 5,730 |
| Equity capital to assets | 10.3123% | 3,607 |
| Core capital (leverage) ratio | 11.0763% | 2,326 |
| Tier 1 risk-based capital ratio | 12.8120% | 4,443 |
| Total risk-based capital ratio | 14.0628% | 4,338 |
| Memoranda: | ||
| Average total assets | $238,015,200 | 2,596 |
| Average earning assets | $224,469,800 | 2,554 |
| Average equity | $27,171,200 | 2,529 |
| Average total loans | $186,321,600 | 2,184 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7381% | 1,036 |
| Cost of funding earning assets | 0.5190% | 2,053 |
| Net interest margin | 4.2191% | 1,122 |
| Noninterest income to average assets | 0.1615% | 5,678 |
| Noninterest expense to average assets | 3.0885% | 2,253 |
| Loan and lease loss provision to assets | 0.5117% | 201 |
| Net operating income to assets | 0.3911% | 5,195 |
| Return on assets (ROA) | 0.4009% | 5,252 |
| Pretax return on assets | 0.5659% | 5,055 |
| Return on Equity (ROE) | 3.4170% | 5,247 |
| Retained earnings to average equity (ytd only) | 3.2302% | 4,161 |
| Net charge-offs to loans | 0.4008% | 637 |
| Credit loss provision to net charge-offs | 162.4542% | 1,582 |
| Earnings coverage of net charge-offs (x) | 3.3773% | 3,504 |
| Efficiency ratio | 74.3818% | 2,490 |
| Assets per employee ($millions) | 6.8181% | 939 |
| Cash dividends to net income (ytd only)* | 5.4681% | 3,695 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8649% | 1,144 |
| Loan loss allowance to noncurrent loans | 49.6481% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 3.1205% | 470 |
| Noncurrent loans to loans | 3.7563% | 382 |
| Net loans and leases to total assets | 75.0517% | 1,537 |
| Net loans and leases to deposits | 96.4921% | 956 |
| Net loans and leases to core deposits | 96.6892% | 1,826 |
| Total domestic deposits to total assets | 77.7802% | 5,225 |
| Equity capital to assets | 10.8566% | 3,185 |
| Core capital (leverage) ratio | 11.6401% | 1,926 |
| Tier 1 risk-based capital ratio | 13.8852% | 3,911 |
| Total risk-based capital ratio | 15.1424% | 3,849 |
| Memoranda: | ||
| Average total assets | $231,134,750 | 2,675 |
| Average earning assets | $218,620,750 | 2,615 |
| Average equity | $27,118,250 | 2,550 |
| Average total loans | $181,651,500 | 2,229 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8413% | 816 |
| Cost of funding earning assets | 0.5261% | 2,018 |
| Net interest margin | 4.3152% | 892 |
| Noninterest income to average assets | 0.1571% | 5,769 |
| Noninterest expense to average assets | 2.9113% | 2,861 |
| Loan and lease loss provision to assets | 0.7140% | 121 |
| Net operating income to assets | 0.4302% | 5,036 |
| Return on assets (ROA) | 0.4543% | 5,062 |
| Pretax return on assets | 0.6435% | 4,842 |
| Return on Equity (ROE) | 3.7664% | 5,111 |
| Retained earnings to average equity (ytd only) | 3.5740% | 3,751 |
| Net charge-offs to loans | 0.6408% | 365 |
| Credit loss provision to net charge-offs | 140.3509% | 1,600 |
| Earnings coverage of net charge-offs (x) | 2.6018% | 3,315 |
| Efficiency ratio | 68.7460% | 3,545 |
| Assets per employee ($millions) | 6.4244% | 1,097 |
| Cash dividends to net income (ytd only)* | 5.1081% | 3,560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9601% | 1,049 |
| Loan loss allowance to noncurrent loans | 72.5114% | 4,417 |
| Noncurrent assets plus other real estate owned to assets | 2.4278% | 794 |
| Noncurrent loans to loans | 2.7032% | 796 |
| Net loans and leases to total assets | 73.8784% | 1,683 |
| Net loans and leases to deposits | 97.1359% | 866 |
| Net loans and leases to core deposits | 97.1359% | 1,711 |
| Total domestic deposits to total assets | 76.0568% | 5,593 |
| Equity capital to assets | 11.4142% | 2,486 |
| Core capital (leverage) ratio | 12.1541% | 1,559 |
| Tier 1 risk-based capital ratio | 14.5940% | 3,581 |
| Total risk-based capital ratio | 15.8517% | 3,510 |
| Memoranda: | ||
| Average total assets | $224,089,670 | 2,754 |
| Average earning assets | $211,762,670 | 2,696 |
| Average equity | $27,028,330 | 2,566 |
| Average total loans | $177,891,670 | 2,277 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8253% | 817 |
| Cost of funding earning assets | 0.5379% | 1,946 |
| Net interest margin | 4.2874% | 902 |
| Noninterest income to average assets | 0.2559% | 5,127 |
| Noninterest expense to average assets | 2.1631% | 5,247 |
| Loan and lease loss provision to assets | 1.4175% | 43 |
| Net operating income to assets | 0.5136% | 4,610 |
| Return on assets (ROA) | 0.5136% | 4,734 |
| Pretax return on assets | 0.7253% | 4,523 |
| Return on Equity (ROE) | 4.1369% | 4,921 |
| Retained earnings to average equity (ytd only) | 3.9442% | 3,628 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2351% | 5,900 |
| Assets per employee ($millions) | 6.0463% | 1,372 |
| Cash dividends to net income (ytd only)* | 4.6595% | 2,796 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2810% | 724 |
| Loan loss allowance to noncurrent loans | 69.4259% | 4,458 |
| Noncurrent assets plus other real estate owned to assets | 3.1075% | 589 |
| Noncurrent loans to loans | 3.2855% | 618 |
| Net loans and leases to total assets | 79.7326% | 712 |
| Net loans and leases to deposits | 108.2306% | 251 |
| Net loans and leases to core deposits | 109.5976% | 763 |
| Total domestic deposits to total assets | 73.6692% | 5,930 |
| Equity capital to assets | 12.4692% | 1,709 |
| Core capital (leverage) ratio | 12.3061% | 1,456 |
| Tier 1 risk-based capital ratio | 14.9281% | 3,468 |
| Total risk-based capital ratio | 16.1903% | 3,396 |
| Memoranda: | ||
| Average total assets | $217,282,500 | 2,830 |
| Average earning assets | $205,252,500 | 2,780 |
| Average equity | $26,976,500 | 2,581 |
| Average total loans | $177,276,000 | 2,291 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7943% | 1,125 |
| Cost of funding earning assets | 0.5221% | 2,472 |
| Net interest margin | 4.2722% | 1,107 |
| Noninterest income to average assets | 0.1794% | 5,780 |
| Noninterest expense to average assets | 3.8501% | 913 |
| Loan and lease loss provision to assets | 1.5717% | 50 |
| Net operating income to assets | -0.7711% | 6,342 |
| Return on assets (ROA) | -0.7062% | 6,332 |
| Pretax return on assets | -1.1107% | 6,384 |
| Return on Equity (ROE) | -5.4297% | 6,297 |
| Retained earnings to average equity (ytd only) | -5.6087% | 6,202 |
| Net charge-offs to loans | 1.1379% | 244 |
| Credit loss provision to net charge-offs | 180.4507% | 1,345 |
| Earnings coverage of net charge-offs (x) | 0.4130% | 4,648 |
| Efficiency ratio | 91.4552% | 743 |
| Assets per employee ($millions) | 7.2312% | 743 |
| Cash dividends to net income (ytd only)* | -3.2967% | 6,475 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8538% | 1,415 |
| Loan loss allowance to noncurrent loans | 76.0371% | 4,333 |
| Noncurrent assets plus other real estate owned to assets | 2.6132% | 862 |
| Noncurrent loans to loans | 2.4380% | 1,057 |
| Net loans and leases to total assets | 80.0726% | 733 |
| Net loans and leases to deposits | 111.7885% | 198 |
| Net loans and leases to core deposits | 113.5036% | 623 |
| Total domestic deposits to total assets | 71.6286% | 6,110 |
| Equity capital to assets | 12.3764% | 1,719 |
| Core capital (leverage) ratio | 11.8925% | 1,702 |
| Tier 1 risk-based capital ratio | 15.6047% | 3,185 |
| Total risk-based capital ratio | 16.8631% | 3,109 |
| Memoranda: | ||
| Average total assets | $219,060,000 | 2,793 |
| Average earning assets | $206,661,600 | 2,737 |
| Average equity | $28,491,400 | 2,375 |
| Average total loans | $167,683,000 | 2,344 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7098% | 1,286 |
| Cost of funding earning assets | 0.5165% | 2,594 |
| Net interest margin | 4.1933% | 1,308 |
| Noninterest income to average assets | 0.4584% | 3,837 |
| Noninterest expense to average assets | 3.1664% | 2,276 |
| Loan and lease loss provision to assets | 0.2587% | 827 |
| Net operating income to assets | 0.6728% | 4,093 |
| Return on assets (ROA) | 0.7644% | 3,696 |
| Pretax return on assets | 1.1166% | 3,123 |
| Return on Equity (ROE) | 5.8080% | 4,334 |
| Retained earnings to average equity (ytd only) | 5.6327% | 2,647 |
| Net charge-offs to loans | 0.1016% | 2,781 |
| Credit loss provision to net charge-offs | 338.0952% | 828 |
| Earnings coverage of net charge-offs (x) | 16.2139% | 1,995 |
| Efficiency ratio | 71.8517% | 3,208 |
| Assets per employee ($millions) | 6.7240% | 901 |
| Cash dividends to net income (ytd only)* | 3.0186% | 3,751 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1726% | 4,370 |
| Loan loss allowance to noncurrent loans | 36.1293% | 5,555 |
| Noncurrent assets plus other real estate owned to assets | 3.1104% | 741 |
| Noncurrent loans to loans | 3.2455% | 776 |
| Net loans and leases to total assets | 73.2733% | 1,633 |
| Net loans and leases to deposits | 96.9516% | 799 |
| Net loans and leases to core deposits | 98.3915% | 1,496 |
| Total domestic deposits to total assets | 75.5771% | 5,867 |
| Equity capital to assets | 12.5401% | 1,672 |
| Core capital (leverage) ratio | 13.5277% | 990 |
| Tier 1 risk-based capital ratio | 17.1687% | 2,538 |
| Total risk-based capital ratio | 18.3791% | 2,517 |
| Memoranda: | ||
| Average total assets | $219,590,750 | 2,808 |
| Average earning assets | $206,770,250 | 2,759 |
| Average equity | $28,902,000 | 2,363 |
| Average total loans | $165,356,750 | 2,390 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8282% | 1,023 |
| Cost of funding earning assets | 0.5213% | 2,628 |
| Net interest margin | 4.3069% | 1,011 |
| Noninterest income to average assets | 0.5440% | 3,174 |
| Noninterest expense to average assets | 3.1436% | 2,350 |
| Loan and lease loss provision to assets | 0.3135% | 613 |
| Net operating income to assets | 0.7829% | 3,408 |
| Return on assets (ROA) | 0.7997% | 3,441 |
| Pretax return on assets | 1.1664% | 2,813 |
| Return on Equity (ROE) | 5.9724% | 4,165 |
| Retained earnings to average equity (ytd only) | 5.7912% | 2,453 |
| Net charge-offs to loans | 0.1713% | 2,024 |
| Credit loss provision to net charge-offs | 241.7266% | 1,012 |
| Earnings coverage of net charge-offs (x) | 11.2230% | 2,181 |
| Efficiency ratio | 68.3506% | 3,944 |
| Assets per employee ($millions) | 6.2979% | 1,113 |
| Cash dividends to net income (ytd only)* | 3.0338% | 3,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1518% | 4,656 |
| Loan loss allowance to noncurrent loans | 40.2277% | 5,489 |
| Noncurrent assets plus other real estate owned to assets | 2.5215% | 1,118 |
| Noncurrent loans to loans | 2.8631% | 1,042 |
| Net loans and leases to total assets | 75.6511% | 1,215 |
| Net loans and leases to deposits | 102.0926% | 446 |
| Net loans and leases to core deposits | 104.0080% | 1,015 |
| Total domestic deposits to total assets | 74.1005% | 6,103 |
| Equity capital to assets | 13.2644% | 1,238 |
| Core capital (leverage) ratio | 13.6461% | 933 |
| Tier 1 risk-based capital ratio | 17.4505% | 2,437 |
| Total risk-based capital ratio | 18.6353% | 2,424 |
| Memoranda: | ||
| Average total assets | $214,340,670 | 2,874 |
| Average earning assets | $201,815,330 | 2,815 |
| Average equity | $28,698,670 | 2,364 |
| Average total loans | $162,313,000 | 2,424 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7898% | 1,068 |
| Cost of funding earning assets | 0.5085% | 2,814 |
| Net interest margin | 4.2812% | 1,039 |
| Noninterest income to average assets | 0.7875% | 1,807 |
| Noninterest expense to average assets | 3.1633% | 2,342 |
| Loan and lease loss provision to assets | 0.4657% | 332 |
| Net operating income to assets | 0.8159% | 3,074 |
| Return on assets (ROA) | 0.8159% | 3,147 |
| Pretax return on assets | 1.1907% | 2,522 |
| Return on Equity (ROE) | 6.0642% | 3,991 |
| Retained earnings to average equity (ytd only) | 5.8813% | 2,604 |
| Net charge-offs to loans | 0.3494% | 1,022 |
| Credit loss provision to net charge-offs | 176.9784% | 1,132 |
| Earnings coverage of net charge-offs (x) | 6.2950% | 2,239 |
| Efficiency ratio | 65.6324% | 4,592 |
| Assets per employee ($millions) | 5.9901% | 1,309 |
| Cash dividends to net income (ytd only)* | 3.0162% | 2,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1320% | 4,971 |
| Loan loss allowance to noncurrent loans | 35.7170% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 2.4912% | 1,282 |
| Noncurrent loans to loans | 3.1693% | 970 |
| Net loans and leases to total assets | 77.1948% | 856 |
| Net loans and leases to deposits | 104.5309% | 273 |
| Net loans and leases to core deposits | 105.8054% | 766 |
| Total domestic deposits to total assets | 73.8488% | 6,256 |
| Equity capital to assets | 13.6897% | 1,039 |
| Core capital (leverage) ratio | 13.9621% | 831 |
| Tier 1 risk-based capital ratio | 17.7049% | 2,408 |
| Total risk-based capital ratio | 18.8685% | 2,409 |
| Memoranda: | ||
| Average total assets | $211,298,500 | 2,906 |
| Average earning assets | $199,008,000 | 2,858 |
| Average equity | $28,429,000 | 2,371 |
| Average total loans | $159,121,000 | 2,471 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6635% | 1,674 |
| Cost of funding earning assets | 0.5993% | 2,663 |
| Net interest margin | 4.0642% | 1,748 |
| Noninterest income to average assets | 0.8157% | 2,004 |
| Noninterest expense to average assets | 3.0322% | 2,960 |
| Loan and lease loss provision to assets | 0.4735% | 595 |
| Net operating income to assets | 0.7801% | 3,392 |
| Return on assets (ROA) | 0.7801% | 3,498 |
| Pretax return on assets | 1.1371% | 2,819 |
| Return on Equity (ROE) | 5.6609% | 4,294 |
| Retained earnings to average equity (ytd only) | 5.4781% | 2,285 |
| Net charge-offs to loans | 0.8121% | 769 |
| Credit loss provision to net charge-offs | 83.6094% | 2,936 |
| Earnings coverage of net charge-offs (x) | 2.8439% | 4,056 |
| Efficiency ratio | 65.3089% | 4,685 |
| Assets per employee ($millions) | 6.2630% | 1,104 |
| Cash dividends to net income (ytd only)* | 3.2278% | 4,226 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1298% | 4,999 |
| Loan loss allowance to noncurrent loans | 31.6133% | 5,904 |
| Noncurrent assets plus other real estate owned to assets | 2.6472% | 1,272 |
| Noncurrent loans to loans | 3.5737% | 866 |
| Net loans and leases to total assets | 71.7568% | 1,724 |
| Net loans and leases to deposits | 103.3151% | 348 |
| Net loans and leases to core deposits | 105.2153% | 835 |
| Total domestic deposits to total assets | 69.4543% | 6,544 |
| Equity capital to assets | 13.2228% | 1,173 |
| Core capital (leverage) ratio | 14.4192% | 708 |
| Tier 1 risk-based capital ratio | 18.1999% | 2,184 |
| Total risk-based capital ratio | 19.3446% | 2,179 |
| Memoranda: | ||
| Average total assets | $202,525,200 | 3,006 |
| Average earning assets | $190,716,200 | 2,945 |
| Average equity | $27,911,000 | 2,387 |
| Average total loans | $141,240,400 | 2,675 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7637% | 1,435 |
| Cost of funding earning assets | 0.6251% | 2,605 |
| Net interest margin | 4.1385% | 1,516 |
| Noninterest income to average assets | 0.9070% | 1,735 |
| Noninterest expense to average assets | 3.2245% | 2,287 |
| Loan and lease loss provision to assets | 0.1734% | 2,098 |
| Net operating income to assets | 0.9564% | 2,551 |
| Return on assets (ROA) | 0.9564% | 2,655 |
| Pretax return on assets | 1.4032% | 1,919 |
| Return on Equity (ROE) | 6.8653% | 3,725 |
| Retained earnings to average equity (ytd only) | 6.6834% | 2,046 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1621% | 4,268 |
| Assets per employee ($millions) | 5.9900% | 1,248 |
| Cash dividends to net income (ytd only)* | 2.6502% | 3,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6139% | 2,943 |
| Loan loss allowance to noncurrent loans | 60.2416% | 4,808 |
| Noncurrent assets plus other real estate owned to assets | 2.2492% | 1,762 |
| Noncurrent loans to loans | 2.6790% | 1,582 |
| Net loans and leases to total assets | 67.6643% | 2,341 |
| Net loans and leases to deposits | 89.6906% | 1,204 |
| Net loans and leases to core deposits | 91.5884% | 1,805 |
| Total domestic deposits to total assets | 75.4419% | 6,232 |
| Equity capital to assets | 14.2050% | 905 |
| Core capital (leverage) ratio | 13.7595% | 935 |
| Tier 1 risk-based capital ratio | 20.0845% | 1,716 |
| Total risk-based capital ratio | 21.3397% | 1,689 |
| Memoranda: | ||
| Average total assets | $199,920,750 | 3,056 |
| Average earning assets | $188,114,250 | 3,005 |
| Average equity | $27,849,500 | 2,420 |
| Average total loans | $137,913,750 | 2,744 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7803% | 1,375 |
| Cost of funding earning assets | 0.6395% | 2,593 |
| Net interest margin | 4.1409% | 1,434 |
| Noninterest income to average assets | 1.0734% | 1,330 |
| Noninterest expense to average assets | 3.0717% | 2,755 |
| Loan and lease loss provision to assets | 0.1724% | 2,181 |
| Net operating income to assets | 1.1721% | 1,663 |
| Return on assets (ROA) | 1.1721% | 1,773 |
| Pretax return on assets | 1.7402% | 1,037 |
| Return on Equity (ROE) | 8.4687% | 2,864 |
| Retained earnings to average equity (ytd only) | 8.2814% | 1,372 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.6277% | 5,227 |
| Assets per employee ($millions) | 6.1656% | 1,093 |
| Cash dividends to net income (ytd only)* | 2.2109% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5228% | 3,473 |
| Loan loss allowance to noncurrent loans | 52.3739% | 5,102 |
| Noncurrent assets plus other real estate owned to assets | 2.2712% | 1,908 |
| Noncurrent loans to loans | 2.9075% | 1,543 |
| Net loans and leases to total assets | 65.0010% | 2,757 |
| Net loans and leases to deposits | 80.8450% | 2,204 |
| Net loans and leases to core deposits | 82.5799% | 2,746 |
| Total domestic deposits to total assets | 80.4020% | 5,506 |
| Equity capital to assets | 13.3736% | 1,193 |
| Core capital (leverage) ratio | 13.3038% | 1,055 |
| Tier 1 risk-based capital ratio | 19.7041% | 1,793 |
| Total risk-based capital ratio | 20.9583% | 1,772 |
| Memoranda: | ||
| Average total assets | $200,671,000 | 3,066 |
| Average earning assets | $189,526,000 | 2,995 |
| Average equity | $27,773,000 | 2,437 |
| Average total loans | $138,569,670 | 2,739 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9835% | 923 |
| Cost of funding earning assets | 0.6655% | 2,521 |
| Net interest margin | 4.3180% | 940 |
| Noninterest income to average assets | 1.6535% | 569 |
| Noninterest expense to average assets | 3.1561% | 2,498 |
| Loan and lease loss provision to assets | 0.1753% | 2,114 |
| Net operating income to assets | 1.6270% | 670 |
| Return on assets (ROA) | 1.6270% | 733 |
| Pretax return on assets | 2.4099% | 303 |
| Return on Equity (ROE) | 11.5476% | 1,539 |
| Retained earnings to average equity (ytd only) | 11.3595% | 805 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9716% | 6,157 |
| Assets per employee ($millions) | 6.0154% | 1,244 |
| Cash dividends to net income (ytd only)* | 1.6291% | 2,657 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4507% | 4,013 |
| Loan loss allowance to noncurrent loans | 70.9768% | 4,294 |
| Noncurrent assets plus other real estate owned to assets | 1.8055% | 2,602 |
| Noncurrent loans to loans | 2.0439% | 2,574 |
| Net loans and leases to total assets | 69.1267% | 1,818 |
| Net loans and leases to deposits | 87.1334% | 1,229 |
| Net loans and leases to core deposits | 88.7686% | 1,830 |
| Total domestic deposits to total assets | 79.3343% | 5,902 |
| Equity capital to assets | 14.1012% | 997 |
| Core capital (leverage) ratio | 13.7225% | 866 |
| Tier 1 risk-based capital ratio | 19.1593% | 1,994 |
| Total risk-based capital ratio | 20.4121% | 1,968 |
| Memoranda: | ||
| Average total assets | $196,192,000 | 3,139 |
| Average earning assets | $185,734,000 | 3,074 |
| Average equity | $27,642,000 | 2,476 |
| Average total loans | $138,670,500 | 2,750 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2236% | 1,074 |
| Cost of funding earning assets | 0.8043% | 2,629 |
| Net interest margin | 4.4194% | 1,116 |
| Noninterest income to average assets | 1.2274% | 1,032 |
| Noninterest expense to average assets | 3.1950% | 2,629 |
| Loan and lease loss provision to assets | 0.2952% | 2,312 |
| Net operating income to assets | 1.2986% | 1,302 |
| Return on assets (ROA) | 1.2986% | 1,451 |
| Pretax return on assets | 1.9266% | 704 |
| Return on Equity (ROE) | 8.9223% | 2,683 |
| Retained earnings to average equity (ytd only) | 8.7227% | 904 |
| Net charge-offs to loans | 0.2813% | 3,256 |
| Credit loss provision to net charge-offs | 144.2897% | 1,892 |
| Earnings coverage of net charge-offs (x) | 10.8607% | 2,096 |
| Efficiency ratio | 58.9838% | 5,703 |
| Assets per employee ($millions) | 6.4625% | 1,023 |
| Cash dividends to net income (ytd only)* | 2.2378% | 4,267 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4004% | 4,172 |
| Loan loss allowance to noncurrent loans | 66.4377% | 4,395 |
| Noncurrent assets plus other real estate owned to assets | 1.8821% | 2,595 |
| Noncurrent loans to loans | 2.1079% | 2,570 |
| Net loans and leases to total assets | 70.2330% | 1,799 |
| Net loans and leases to deposits | 88.8359% | 1,184 |
| Net loans and leases to core deposits | 89.5940% | 1,881 |
| Total domestic deposits to total assets | 79.0593% | 5,876 |
| Equity capital to assets | 14.0770% | 1,020 |
| Core capital (leverage) ratio | 13.8447% | 839 |
| Tier 1 risk-based capital ratio | 19.2109% | 1,893 |
| Total risk-based capital ratio | 20.4635% | 1,870 |
| Memoranda: | ||
| Average total assets | $175,491,800 | 3,370 |
| Average earning assets | $166,359,000 | 3,282 |
| Average equity | $25,542,600 | 2,609 |
| Average total loans | $127,640,600 | 2,924 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3573% | 907 |
| Cost of funding earning assets | 0.8338% | 2,679 |
| Net interest margin | 4.5235% | 948 |
| Noninterest income to average assets | 0.8995% | 1,827 |
| Noninterest expense to average assets | 3.3127% | 2,234 |
| Loan and lease loss provision to assets | 0.2590% | 2,500 |
| Net operating income to assets | 1.1024% | 2,078 |
| Return on assets (ROA) | 1.1024% | 2,276 |
| Pretax return on assets | 1.6158% | 1,521 |
| Return on Equity (ROE) | 7.5042% | 3,526 |
| Retained earnings to average equity (ytd only) | 7.3024% | 1,942 |
| Net charge-offs to loans | 0.1130% | 4,253 |
| Credit loss provision to net charge-offs | 313.2075% | 855 |
| Earnings coverage of net charge-offs (x) | 22.6698% | 1,347 |
| Efficiency ratio | 63.8592% | 4,825 |
| Assets per employee ($millions) | 5.9335% | 1,292 |
| Cash dividends to net income (ytd only)* | 2.6896% | 3,666 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4867% | 4,012 |
| Loan loss allowance to noncurrent loans | 69.1670% | 4,250 |
| Noncurrent assets plus other real estate owned to assets | 1.9740% | 2,685 |
| Noncurrent loans to loans | 2.1495% | 2,675 |
| Net loans and leases to total assets | 72.0850% | 1,539 |
| Net loans and leases to deposits | 91.5481% | 1,013 |
| Net loans and leases to core deposits | 92.3799% | 1,743 |
| Total domestic deposits to total assets | 78.7400% | 5,930 |
| Equity capital to assets | 14.1135% | 1,115 |
| Core capital (leverage) ratio | 13.7678% | 918 |
| Tier 1 risk-based capital ratio | 18.7131% | 2,098 |
| Total risk-based capital ratio | 19.9668% | 2,064 |
| Memoranda: | ||
| Average total assets | $170,895,750 | 3,471 |
| Average earning assets | $161,992,750 | 3,390 |
| Average equity | $25,105,250 | 2,675 |
| Average total loans | $125,026,000 | 3,017 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3790% | 908 |
| Cost of funding earning assets | 0.8442% | 2,843 |
| Net interest margin | 4.5348% | 936 |
| Noninterest income to average assets | 1.0339% | 1,367 |
| Noninterest expense to average assets | 3.4572% | 1,886 |
| Loan and lease loss provision to assets | 0.2978% | 2,197 |
| Net operating income to assets | 1.0652% | 2,183 |
| Return on assets (ROA) | 1.0652% | 2,414 |
| Pretax return on assets | 1.6007% | 1,547 |
| Return on Equity (ROE) | 7.1474% | 3,705 |
| Retained earnings to average equity (ytd only) | 6.9379% | 2,137 |
| Net charge-offs to loans | 0.1740% | 3,556 |
| Credit loss provision to net charge-offs | 233.9623% | 1,217 |
| Earnings coverage of net charge-offs (x) | 14.9151% | 1,679 |
| Efficiency ratio | 64.5516% | 4,791 |
| Assets per employee ($millions) | 5.6877% | 1,452 |
| Cash dividends to net income (ytd only)* | 2.9312% | 3,482 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4798% | 4,115 |
| Loan loss allowance to noncurrent loans | 64.5889% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 1.9385% | 2,863 |
| Noncurrent loans to loans | 2.2911% | 2,621 |
| Net loans and leases to total assets | 72.3863% | 1,496 |
| Net loans and leases to deposits | 92.6137% | 877 |
| Net loans and leases to core deposits | 93.4964% | 1,653 |
| Total domestic deposits to total assets | 78.1593% | 6,127 |
| Equity capital to assets | 14.3616% | 956 |
| Core capital (leverage) ratio | 13.8789% | 841 |
| Tier 1 risk-based capital ratio | 18.8864% | 1,999 |
| Total risk-based capital ratio | 20.1396% | 1,977 |
| Memoranda: | ||
| Average total assets | $166,548,670 | 3,559 |
| Average earning assets | $158,727,000 | 3,450 |
| Average equity | $24,820,330 | 2,691 |
| Average total loans | $121,837,330 | 3,094 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3663% | 970 |
| Cost of funding earning assets | 0.8404% | 3,146 |
| Net interest margin | 4.5259% | 961 |
| Noninterest income to average assets | 1.1283% | 1,111 |
| Noninterest expense to average assets | 3.4862% | 1,791 |
| Loan and lease loss provision to assets | 0.4058% | 1,557 |
| Net operating income to assets | 1.0466% | 2,298 |
| Return on assets (ROA) | 1.0466% | 2,490 |
| Pretax return on assets | 1.5934% | 1,597 |
| Return on Equity (ROE) | 6.8866% | 3,844 |
| Retained earnings to average equity (ytd only) | 6.6749% | 2,595 |
| Net charge-offs to loans | 0.1119% | 3,454 |
| Credit loss provision to net charge-offs | 496.9697% | 659 |
| Earnings coverage of net charge-offs (x) | 24.4848% | 1,054 |
| Efficiency ratio | 63.5544% | 5,011 |
| Assets per employee ($millions) | 5.6069% | 1,603 |
| Cash dividends to net income (ytd only)* | 3.0733% | 2,693 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5850% | 3,782 |
| Loan loss allowance to noncurrent loans | 66.3418% | 4,191 |
| Noncurrent assets plus other real estate owned to assets | 1.9755% | 2,936 |
| Noncurrent loans to loans | 2.3891% | 2,717 |
| Net loans and leases to total assets | 70.3593% | 1,696 |
| Net loans and leases to deposits | 90.7815% | 894 |
| Net loans and leases to core deposits | 91.6944% | 1,682 |
| Total domestic deposits to total assets | 77.5040% | 6,335 |
| Equity capital to assets | 14.7121% | 803 |
| Core capital (leverage) ratio | 14.6919% | 653 |
| Tier 1 risk-based capital ratio | 21.2632% | 1,434 |
| Total risk-based capital ratio | 22.5197% | 1,406 |
| Memoranda: | ||
| Average total assets | $161,664,000 | 3,651 |
| Average earning assets | $155,638,500 | 3,518 |
| Average equity | $24,569,500 | 2,705 |
| Average total loans | $117,982,500 | 3,198 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5917% | 977 |
| Cost of funding earning assets | 1.0758% | 2,838 |
| Net interest margin | 4.5159% | 1,097 |
| Noninterest income to average assets | 1.3541% | 709 |
| Noninterest expense to average assets | 3.4798% | 2,036 |
| Loan and lease loss provision to assets | 0.3268% | 3,070 |
| Net operating income to assets | 1.2528% | 1,373 |
| Return on assets (ROA) | 1.2528% | 1,470 |
| Pretax return on assets | 1.8946% | 670 |
| Return on Equity (ROE) | 9.2484% | 2,347 |
| Retained earnings to average equity (ytd only) | 9.1710% | 758 |
| Net charge-offs to loans | 0.1705% | 4,793 |
| Credit loss provision to net charge-offs | 248.9362% | 971 |
| Earnings coverage of net charge-offs (x) | 16.9202% | 1,297 |
| Efficiency ratio | 60.5096% | 5,668 |
| Assets per employee ($millions) | 5.3490% | 1,779 |
| Cash dividends to net income (ytd only)* | 0.8361% | 4,070 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5340% | 3,863 |
| Loan loss allowance to noncurrent loans | 59.8853% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 2.2009% | 2,737 |
| Noncurrent loans to loans | 2.5616% | 2,565 |
| Net loans and leases to total assets | 73.4489% | 1,364 |
| Net loans and leases to deposits | 97.0924% | 621 |
| Net loans and leases to core deposits | 97.4245% | 1,375 |
| Total domestic deposits to total assets | 75.6485% | 6,526 |
| Equity capital to assets | 15.7246% | 627 |
| Core capital (leverage) ratio | 14.8205% | 643 |
| Tier 1 risk-based capital ratio | 20.9537% | 1,423 |
| Total risk-based capital ratio | 22.2087% | 1,402 |
| Memoranda: | ||
| Average total assets | $143,198,800 | 3,928 |
| Average earning assets | $137,847,000 | 3,790 |
| Average equity | $19,398,000 | 3,229 |
| Average total loans | $110,240,600 | 3,376 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6407% | 959 |
| Cost of funding earning assets | 1.1353% | 2,732 |
| Net interest margin | 4.5055% | 1,135 |
| Noninterest income to average assets | 1.3702% | 695 |
| Noninterest expense to average assets | 3.5715% | 1,769 |
| Loan and lease loss provision to assets | 0.2111% | 3,916 |
| Net operating income to assets | 1.2666% | 1,462 |
| Return on assets (ROA) | 1.2666% | 1,573 |
| Pretax return on assets | 1.9198% | 744 |
| Return on Equity (ROE) | 9.7852% | 2,282 |
| Retained earnings to average equity (ytd only) | 9.7852% | 909 |
| Net charge-offs to loans | 0.2302% | 3,994 |
| Credit loss provision to net charge-offs | 118.0851% | 2,760 |
| Earnings coverage of net charge-offs (x) | 11.9203% | 1,765 |
| Efficiency ratio | 62.2978% | 5,368 |
| Assets per employee ($millions) | 6.2138% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3888% | 4,613 |
| Loan loss allowance to noncurrent loans | 63.1296% | 4,308 |
| Noncurrent assets plus other real estate owned to assets | 1.8488% | 3,334 |
| Noncurrent loans to loans | 2.1998% | 3,111 |
| Net loans and leases to total assets | 69.8892% | 2,105 |
| Net loans and leases to deposits | 92.0116% | 1,010 |
| Net loans and leases to core deposits | 92.6033% | 1,925 |
| Total domestic deposits to total assets | 75.9569% | 6,538 |
| Equity capital to assets | 15.4262% | 739 |
| Core capital (leverage) ratio | 15.5892% | 561 |
| Tier 1 risk-based capital ratio | 21.4093% | 1,380 |
| Total risk-based capital ratio | 22.6617% | 1,355 |
| Memoranda: | ||
| Average total assets | $140,218,500 | 3,991 |
| Average earning assets | $134,825,000 | 3,870 |
| Average equity | $18,149,500 | 3,410 |
| Average total loans | $108,873,500 | 3,440 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7736% | 755 |
| Cost of funding earning assets | 1.1874% | 2,662 |
| Net interest margin | 4.5862% | 934 |
| Noninterest income to average assets | 1.8420% | 403 |
| Noninterest expense to average assets | 3.6589% | 1,608 |
| Loan and lease loss provision to assets | 0.2249% | 3,662 |
| Net operating income to assets | 1.5491% | 808 |
| Return on assets (ROA) | 1.5491% | 859 |
| Pretax return on assets | 2.3584% | 308 |
| Return on Equity (ROE) | 12.9169% | 1,219 |
| Retained earnings to average equity (ytd only) | 12.9169% | 397 |
| Net charge-offs to loans | -0.0221% | 6,845 |
| Credit loss provision to net charge-offs | -1,266.6667% | 6,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3551% | 6,117 |
| Assets per employee ($millions) | 5.5942% | 1,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5221% | 4,025 |
| Loan loss allowance to noncurrent loans | 52.4502% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 2.1746% | 3,017 |
| Noncurrent loans to loans | 2.9020% | 2,514 |
| Net loans and leases to total assets | 73.7937% | 1,455 |
| Net loans and leases to deposits | 93.7013% | 892 |
| Net loans and leases to core deposits | 94.3214% | 1,858 |
| Total domestic deposits to total assets | 78.7542% | 6,140 |
| Equity capital to assets | 12.2750% | 1,921 |
| Core capital (leverage) ratio | 12.4718% | 1,372 |
| Tier 1 risk-based capital ratio | 16.1036% | 2,927 |
| Total risk-based capital ratio | 17.3580% | 2,893 |
| Memoranda: | ||
| Average total assets | $135,176,000 | 4,123 |
| Average earning assets | $129,694,000 | 3,992 |
| Average equity | $16,211,330 | 3,694 |
| Average total loans | $108,465,000 | 3,495 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9045% | 588 |
| Cost of funding earning assets | 1.2527% | 2,489 |
| Net interest margin | 4.6518% | 779 |
| Noninterest income to average assets | 1.5565% | 540 |
| Noninterest expense to average assets | 3.8758% | 1,209 |
| Loan and lease loss provision to assets | 0.1999% | 3,637 |
| Net operating income to assets | 1.2642% | 1,356 |
| Return on assets (ROA) | 1.2642% | 1,411 |
| Pretax return on assets | 1.9471% | 609 |
| Return on Equity (ROE) | 10.6823% | 1,838 |
| Retained earnings to average equity (ytd only) | 10.6823% | 956 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2492% | 5,323 |
| Assets per employee ($millions) | 5.4128% | 1,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4795% | 4,304 |
| Loan loss allowance to noncurrent loans | 210.5263% | 1,426 |
| Noncurrent assets plus other real estate owned to assets | 0.7906% | 5,330 |
| Noncurrent loans to loans | 0.7028% | 5,613 |
| Net loans and leases to total assets | 79.9635% | 514 |
| Net loans and leases to deposits | 103.2287% | 337 |
| Net loans and leases to core deposits | 104.5450% | 1,026 |
| Total domestic deposits to total assets | 77.4625% | 6,456 |
| Equity capital to assets | 12.4834% | 1,637 |
| Core capital (leverage) ratio | 11.8129% | 1,670 |
| Tier 1 risk-based capital ratio | 15.4798% | 3,169 |
| Total risk-based capital ratio | 16.7339% | 3,117 |
| Memoranda: | ||
| Average total assets | $130,039,000 | 4,261 |
| Average earning assets | $124,854,500 | 4,124 |
| Average equity | $15,390,000 | 3,831 |
| Average total loans | $108,201,500 | 3,538 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0422% | 782 |
| Cost of funding earning assets | 1.4192% | 3,141 |
| Net interest margin | 4.6231% | 958 |
| Noninterest income to average assets | 0.9913% | 1,528 |
| Noninterest expense to average assets | 3.5876% | 1,955 |
| Loan and lease loss provision to assets | 1.3276% | 1,150 |
| Net operating income to assets | 1.3593% | 1,029 |
| Return on assets (ROA) | 1.4359% | 945 |
| Pretax return on assets | 0.5723% | 4,412 |
| Return on Equity (ROE) | 13.2599% | 1,030 |
| Retained earnings to average equity (ytd only) | 13.2599% | 198 |
| Net charge-offs to loans | 1.0137% | 2,169 |
| Credit loss provision to net charge-offs | 156.2694% | 2,257 |
| Earnings coverage of net charge-offs (x) | 2.1461% | 4,116 |
| Efficiency ratio | 66.0918% | 4,955 |
| Assets per employee ($millions) | 6.1986% | 1,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3473% | 4,762 |
| Loan loss allowance to noncurrent loans | 157.5342% | 1,892 |
| Noncurrent assets plus other real estate owned to assets | 1.1884% | 4,638 |
| Noncurrent loans to loans | 0.8552% | 5,356 |
| Net loans and leases to total assets | 84.0970% | 298 |
| Net loans and leases to deposits | 110.3763% | 233 |
| Net loans and leases to core deposits | 112.0988% | 807 |
| Total domestic deposits to total assets | 76.1911% | 6,614 |
| Equity capital to assets | 11.1877% | 2,522 |
| Core capital (leverage) ratio | 10.3108% | 2,760 |
| Tier 1 risk-based capital ratio | 12.5469% | 4,982 |
| Total risk-based capital ratio | 13.7989% | 4,968 |
| Memoranda: | ||
| Average total assets | $113,586,000 | 4,625 |
| Average earning assets | $108,585,800 | 4,494 |
| Average equity | $12,300,200 | 4,527 |
| Average total loans | $95,200,400 | 3,916 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9836% | 969 |
| Cost of funding earning assets | 1.4225% | 3,438 |
| Net interest margin | 4.5612% | 1,128 |
| Noninterest income to average assets | 0.8930% | 1,824 |
| Noninterest expense to average assets | 3.6780% | 1,620 |
| Loan and lease loss provision to assets | 1.3218% | 1,049 |
| Net operating income to assets | 1.4303% | 1,057 |
| Return on assets (ROA) | 1.5363% | 934 |
| Pretax return on assets | 0.3509% | 5,363 |
| Return on Equity (ROE) | 14.3278% | 968 |
| Retained earnings to average equity (ytd only) | 14.3278% | 256 |
| Net charge-offs to loans | 1.2959% | 1,575 |
| Credit loss provision to net charge-offs | 122.3224% | 3,361 |
| Earnings coverage of net charge-offs (x) | 1.4498% | 4,642 |
| Efficiency ratio | 69.7793% | 4,117 |
| Assets per employee ($millions) | 5.9495% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1209% | 5,851 |
| Loan loss allowance to noncurrent loans | 419.7080% | 709 |
| Noncurrent assets plus other real estate owned to assets | 0.7612% | 5,581 |
| Noncurrent loans to loans | 0.2671% | 6,651 |
| Net loans and leases to total assets | 81.1956% | 597 |
| Net loans and leases to deposits | 99.1332% | 712 |
| Net loans and leases to core deposits | 100.3800% | 1,821 |
| Total domestic deposits to total assets | 81.9056% | 5,034 |
| Equity capital to assets | 9.8880% | 4,306 |
| Core capital (leverage) ratio | 9.3584% | 4,122 |
| Tier 1 risk-based capital ratio | 11.6582% | 5,774 |
| Total risk-based capital ratio | 12.8970% | 5,770 |
| Memoranda: | ||
| Average total assets | $109,440,000 | 4,786 |
| Average earning assets | $104,415,500 | 4,656 |
| Average equity | $11,734,500 | 4,757 |
| Average total loans | $91,259,500 | 4,090 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8549% | 1,294 |
| Cost of funding earning assets | 1.4166% | 3,772 |
| Net interest margin | 4.4383% | 1,352 |
| Noninterest income to average assets | 0.6406% | 3,059 |
| Noninterest expense to average assets | 3.8591% | 1,249 |
| Loan and lease loss provision to assets | 0.8305% | 1,749 |
| Net operating income to assets | 2.1290% | 264 |
| Return on assets (ROA) | 2.2959% | 214 |
| Pretax return on assets | 0.3606% | 5,339 |
| Return on Equity (ROE) | 20.7668% | 269 |
| Retained earnings to average equity (ytd only) | 20.7668% | 76 |
| Net charge-offs to loans | 0.7110% | 2,438 |
| Credit loss provision to net charge-offs | 139.2283% | 2,881 |
| Earnings coverage of net charge-offs (x) | 1.7170% | 4,222 |
| Efficiency ratio | 78.8295% | 2,599 |
| Assets per employee ($millions) | 5.6428% | 1,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1406% | 5,738 |
| Loan loss allowance to noncurrent loans | 224.6862% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 1.1741% | 4,793 |
| Noncurrent loans to loans | 0.5077% | 6,239 |
| Net loans and leases to total assets | 82.4803% | 485 |
| Net loans and leases to deposits | 101.9373% | 600 |
| Net loans and leases to core deposits | 104.5347% | 1,582 |
| Total domestic deposits to total assets | 80.9128% | 5,431 |
| Equity capital to assets | 10.8935% | 2,974 |
| Core capital (leverage) ratio | 10.4528% | 2,663 |
| Tier 1 risk-based capital ratio | 12.8931% | 4,530 |
| Total risk-based capital ratio | 14.1434% | 4,480 |
| Memoranda: | ||
| Average total assets | $104,273,670 | 4,961 |
| Average earning assets | $99,677,000 | 4,821 |
| Average equity | $11,528,000 | 4,796 |
| Average total loans | $87,481,000 | 4,213 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5774% | 2,251 |
| Cost of funding earning assets | 1.3985% | 4,186 |
| Net interest margin | 4.1789% | 2,125 |
| Noninterest income to average assets | 0.6081% | 3,225 |
| Noninterest expense to average assets | 4.1167% | 889 |
| Loan and lease loss provision to assets | 0.3801% | 3,086 |
| Net operating income to assets | 0.1280% | 5,936 |
| Return on assets (ROA) | 0.4761% | 4,637 |
| Pretax return on assets | 0.4761% | 5,042 |
| Return on Equity (ROE) | 4.2710% | 4,772 |
| Retained earnings to average equity (ytd only) | 4.2710% | 3,584 |
| Net charge-offs to loans | 0.2282% | 3,553 |
| Credit loss provision to net charge-offs | 197.9167% | 1,874 |
| Earnings coverage of net charge-offs (x) | 2.6458% | 3,211 |
| Efficiency ratio | 89.0138% | 1,505 |
| Assets per employee ($millions) | 5.5990% | 1,581 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1441% | 5,805 |
| Loan loss allowance to noncurrent loans | 53.4225% | 4,769 |
| Noncurrent assets plus other real estate owned to assets | 1.8555% | 3,699 |
| Noncurrent loans to loans | 2.1415% | 3,597 |
| Net loans and leases to total assets | 85.6522% | 236 |
| Net loans and leases to deposits | 107.0435% | 382 |
| Net loans and leases to core deposits | 109.4360% | 1,320 |
| Total domestic deposits to total assets | 80.0163% | 5,782 |
| Equity capital to assets | 11.1518% | 2,631 |
| Core capital (leverage) ratio | 11.5818% | 1,866 |
| Tier 1 risk-based capital ratio | 13.8417% | 3,771 |
| Total risk-based capital ratio | 15.0925% | 3,728 |
| Memoranda: | ||
| Average total assets | $99,982,500 | 5,148 |
| Average earning assets | $96,102,500 | 4,985 |
| Average equity | $11,145,000 | 4,938 |
| Average total loans | $84,142,500 | 4,379 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6249% | 3,467 |
| Cost of funding earning assets | 1.5880% | 5,084 |
| Net interest margin | 4.0369% | 2,710 |
| Noninterest income to average assets | 0.2385% | 6,382 |
| Noninterest expense to average assets | 4.5416% | 766 |
| Loan and lease loss provision to assets | 0.6065% | 3,370 |
| Net operating income to assets | -1.0501% | 6,609 |
| Return on assets (ROA) | -1.0501% | 6,614 |
| Pretax return on assets | -1.0501% | 6,448 |
| Return on Equity (ROE) | -7.3013% | 6,409 |
| Retained earnings to average equity (ytd only) | -7.3013% | 6,272 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 110.8260% | 785 |
| Assets per employee ($millions) | 5.8343% | 1,367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1758% | 5,495 |
| Loan loss allowance to noncurrent loans | 234.4828% | 1,275 |
| Noncurrent assets plus other real estate owned to assets | 0.4093% | 6,435 |
| Noncurrent loans to loans | 0.5015% | 6,250 |
| Net loans and leases to total assets | 80.6711% | 881 |
| Net loans and leases to deposits | 109.0245% | 418 |
| Net loans and leases to core deposits | 134.5554% | 1,022 |
| Total domestic deposits to total assets | 73.9935% | 7,014 |
| Equity capital to assets | 11.1420% | 2,590 |
| Core capital (leverage) ratio | 12.2803% | 1,540 |
| Tier 1 risk-based capital ratio | 14.9032% | 3,003 |
| Total risk-based capital ratio | 16.1543% | 2,945 |
| Memoranda: | ||
| Average total assets | $77,990,200 | 5,785 |
| Average earning assets | $74,561,400 | 5,651 |
| Average equity | $11,217,200 | 4,966 |
| Average total loans | $60,297,600 | 5,241 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6010% | 3,855 |
| Cost of funding earning assets | 1.6682% | 5,070 |
| Net interest margin | 3.9329% | 3,107 |
| Noninterest income to average assets | 0.1284% | 7,244 |
| Noninterest expense to average assets | 4.8276% | 552 |
| Loan and lease loss provision to assets | 0.5613% | 3,144 |
| Net operating income to assets | -1.5114% | 7,121 |
| Return on assets (ROA) | -1.5114% | 7,117 |
| Pretax return on assets | -1.5114% | 6,969 |
| Return on Equity (ROE) | -9.7581% | 6,881 |
| Retained earnings to average equity (ytd only) | -9.7581% | 6,785 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 124.5033% | 536 |
| Assets per employee ($millions) | 5.0969% | 2,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1560% | 5,382 |
| Loan loss allowance to noncurrent loans | 193.3498% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 0.4686% | 6,291 |
| Noncurrent loans to loans | 0.5979% | 6,112 |
| Net loans and leases to total assets | 77.4675% | 1,672 |
| Net loans and leases to deposits | 107.3280% | 587 |
| Net loans and leases to core deposits | 129.8713% | 1,442 |
| Total domestic deposits to total assets | 72.1782% | 7,187 |
| Equity capital to assets | 12.7978% | 1,787 |
| Core capital (leverage) ratio | 13.8390% | 1,133 |
| Tier 1 risk-based capital ratio | 17.3953% | 2,148 |
| Total risk-based capital ratio | 18.6460% | 2,106 |
| Memoranda: | ||
| Average total assets | $72,692,000 | 5,963 |
| Average earning assets | $69,295,000 | 5,869 |
| Average equity | $11,258,750 | 5,000 |
| Average total loans | $55,131,000 | 5,504 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5567% | 4,302 |
| Cost of funding earning assets | 1.7038% | 5,255 |
| Net interest margin | 3.8529% | 3,331 |
| Noninterest income to average assets | 0.0500% | 7,738 |
| Noninterest expense to average assets | 5.3086% | 422 |
| Loan and lease loss provision to assets | 0.5320% | 2,900 |
| Net operating income to assets | -2.1282% | 7,458 |
| Return on assets (ROA) | -2.1282% | 7,454 |
| Pretax return on assets | -2.1282% | 7,321 |
| Return on Equity (ROE) | -12.7968% | 7,218 |
| Retained earnings to average equity (ytd only) | -12.7968% | 7,103 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 142.9929% | 407 |
| Assets per employee ($millions) | 4.9414% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1490% | 5,275 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 71.8187% | 3,274 |
| Net loans and leases to deposits | 101.4345% | 1,123 |
| Net loans and leases to core deposits | 119.8818% | 2,384 |
| Total domestic deposits to total assets | 70.8030% | 7,389 |
| Equity capital to assets | 13.9572% | 1,325 |
| Core capital (leverage) ratio | 15.6444% | 797 |
| Tier 1 risk-based capital ratio | 20.1206% | 1,556 |
| Total risk-based capital ratio | 21.3711% | 1,519 |
| Memoranda: | ||
| Average total assets | $68,040,000 | 6,151 |
| Average earning assets | $64,678,330 | 6,056 |
| Average equity | $11,315,330 | 4,995 |
| Average total loans | $50,871,670 | 5,729 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5515% | 4,633 |
| Cost of funding earning assets | 1.7762% | 5,236 |
| Net interest margin | 3.7753% | 3,561 |
| Noninterest income to average assets | 0.0384% | 7,891 |
| Noninterest expense to average assets | 6.4547% | 243 |
| Loan and lease loss provision to assets | 0.7293% | 1,758 |
| Net operating income to assets | -3.5696% | 7,930 |
| Return on assets (ROA) | -3.5696% | 7,923 |
| Pretax return on assets | -3.5696% | 7,851 |
| Return on Equity (ROE) | -19.4841% | 7,740 |
| Retained earnings to average equity (ytd only) | -19.4841% | 7,629 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 178.5841% | 246 |
| Assets per employee ($millions) | 4.1038% | 3,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1881% | 4,880 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 75.1100% | 2,478 |
| Net loans and leases to deposits | 111.1266% | 562 |
| Net loans and leases to core deposits | 137.6022% | 1,220 |
| Total domestic deposits to total assets | 67.5896% | 7,623 |
| Equity capital to assets | 17.2690% | 693 |
| Core capital (leverage) ratio | 17.9246% | 565 |
| Tier 1 risk-based capital ratio | 24.1008% | 1,067 |
| Total risk-based capital ratio | 25.3505% | 1,044 |
| Memoranda: | ||
| Average total assets | $62,528,500 | 6,378 |
| Average earning assets | $59,227,500 | 6,292 |
| Average equity | $11,455,500 | 4,989 |
| Average total loans | $47,586,500 | 5,887 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9196% | 7,888 |
| Cost of funding earning assets | 1.2749% | 7,867 |
| Net interest margin | 3.6447% | 4,701 |
| Noninterest income to average assets | 0.0348% | 7,963 |
| Noninterest expense to average assets | 6.3405% | 356 |
| Loan and lease loss provision to assets | 0.9964% | 1,481 |
| Net operating income to assets | -3.8693% | 7,971 |
| Return on assets (ROA) | -3.8693% | 7,952 |
| Pretax return on assets | -3.8693% | 7,872 |
| Return on Equity (ROE) | -14.1527% | 7,548 |
| Retained earnings to average equity (ytd only) | -14.1527% | 7,410 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 182.8533% | 236 |
| Assets per employee ($millions) | 4.2426% | 3,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0583% | 5,555 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 75.3973% | 2,783 |
| Net loans and leases to deposits | 118.6682% | 424 |
| Net loans and leases to core deposits | 145.0556% | 1,051 |
| Total domestic deposits to total assets | 63.5363% | 7,814 |
| Equity capital to assets | 19.4828% | 498 |
| Core capital (leverage) ratio | 21.1973% | 363 |
| Tier 1 risk-based capital ratio | 26.3797% | 867 |
| Total risk-based capital ratio | 27.5051% | 862 |
| Memoranda: | ||
| Average total assets | $43,056,600 | 7,074 |
| Average earning assets | $40,552,000 | 7,020 |
| Average equity | $11,771,600 | 4,899 |
| Average total loans | $23,744,000 | 7,089 |