Home > CresCom Bank > Performance and Condition Ratios
CresCom Bank, Performance and Condition Ratios
| 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 | 4.7891% | 1,451 |
| Cost of funding earning assets | 0.8732% | 1,999 |
| Net interest margin | 3.9159% | 1,621 |
| Noninterest income to average assets | 0.9293% | 997 |
| Noninterest expense to average assets | 2.6766% | 2,764 |
| Loan and lease loss provision to assets | 0.2498% | 1,240 |
| Net operating income to assets | 1.1672% | 1,630 |
| Return on assets (ROA) | 1.1842% | 1,685 |
| Pretax return on assets | 1.5108% | 1,277 |
| Return on Equity (ROE) | 7.1764% | 2,881 |
| Retained earnings to average equity (ytd only) | 2.0792% | 3,421 |
| Net charge-offs to loans | -0.0032% | 3,741 |
| Credit loss provision to net charge-offs | -11,423.0769% | 3,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0106% | 3,868 |
| Assets per employee ($millions) | 5.7096% | 1,921 |
| Cash dividends to net income (ytd only)* | 71.0278% | 1,173 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6044% | 4,749 |
| Loan loss allowance to noncurrent loans | 70.5272% | 3,729 |
| Noncurrent assets plus other real estate owned to assets | 0.6282% | 2,121 |
| Noncurrent loans to loans | 0.8569% | 1,901 |
| Net loans and leases to total assets | 66.8482% | 2,715 |
| Net loans and leases to deposits | 89.5076% | 1,573 |
| Net loans and leases to core deposits | 100.5827% | 1,428 |
| Total domestic deposits to total assets | 74.6844% | 4,605 |
| Equity capital to assets | 16.2446% | 540 |
| Core capital (leverage) ratio | 13.1678% | 1,150 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 17.2276% | 1,293 |
| Memoranda: | ||
| Average total assets | $4,755,752,000 | 249 |
| Average earning assets | $4,234,018,500 | 249 |
| Average equity | $784,738,500 | 192 |
| Average total loans | $3,244,775,000 | 247 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9218% | 1,693 |
| Cost of funding earning assets | 0.9895% | 1,770 |
| Net interest margin | 3.9323% | 2,063 |
| Noninterest income to average assets | 0.9988% | 972 |
| Noninterest expense to average assets | 2.4690% | 3,529 |
| Loan and lease loss provision to assets | 0.0638% | 2,757 |
| Net operating income to assets | 1.5328% | 982 |
| Return on assets (ROA) | 1.6088% | 879 |
| Pretax return on assets | 2.0746% | 505 |
| Return on Equity (ROE) | 9.9160% | 2,335 |
| Retained earnings to average equity (ytd only) | 8.5439% | 821 |
| Net charge-offs to loans | 0.0188% | 3,051 |
| Credit loss provision to net charge-offs | 494.2529% | 595 |
| Earnings coverage of net charge-offs (x) | 158.1513% | 477 |
| Efficiency ratio | 53.1352% | 4,505 |
| Assets per employee ($millions) | 5.5539% | 2,018 |
| Cash dividends to net income (ytd only)* | 13.8379% | 3,661 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5068% | 4,883 |
| Loan loss allowance to noncurrent loans | 60.8217% | 3,917 |
| Noncurrent assets plus other real estate owned to assets | 0.6261% | 2,015 |
| Noncurrent loans to loans | 0.8332% | 1,845 |
| Net loans and leases to total assets | 68.8704% | 2,560 |
| Net loans and leases to deposits | 94.6118% | 1,097 |
| Net loans and leases to core deposits | 103.7967% | 1,243 |
| Total domestic deposits to total assets | 72.7927% | 4,836 |
| Equity capital to assets | 16.7621% | 498 |
| Core capital (leverage) ratio | 15.4186% | 604 |
| Tier 1 risk-based capital ratio | 16.4091% | 2,255 |
| Total risk-based capital ratio | 16.8759% | 2,470 |
| Memoranda: | ||
| Average total assets | $4,042,600,000 | 269 |
| Average earning assets | $3,610,803,800 | 267 |
| Average equity | $655,897,800 | 209 |
| Average total loans | $2,771,662,400 | 267 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1258% | 1,227 |
| Cost of funding earning assets | 1.0452% | 1,558 |
| Net interest margin | 4.0805% | 1,671 |
| Noninterest income to average assets | 1.0057% | 926 |
| Noninterest expense to average assets | 2.5944% | 3,178 |
| Loan and lease loss provision to assets | 0.0688% | 2,500 |
| Net operating income to assets | 1.5497% | 1,062 |
| Return on assets (ROA) | 1.6555% | 860 |
| Pretax return on assets | 2.1234% | 518 |
| Return on Equity (ROE) | 10.3071% | 2,300 |
| Retained earnings to average equity (ytd only) | 8.3794% | 1,254 |
| Net charge-offs to loans | 0.0170% | 2,799 |
| Credit loss provision to net charge-offs | 591.7160% | 549 |
| Earnings coverage of net charge-offs (x) | 177.0189% | 481 |
| Efficiency ratio | 54.1316% | 4,382 |
| Assets per employee ($millions) | 5.4167% | 2,108 |
| Cash dividends to net income (ytd only)* | 18.7021% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5841% | 4,851 |
| Loan loss allowance to noncurrent loans | 79.5079% | 3,656 |
| Noncurrent assets plus other real estate owned to assets | 0.5554% | 2,339 |
| Noncurrent loans to loans | 0.7347% | 2,126 |
| Net loans and leases to total assets | 68.9343% | 2,633 |
| Net loans and leases to deposits | 95.8182% | 1,035 |
| Net loans and leases to core deposits | 104.6732% | 1,286 |
| Total domestic deposits to total assets | 71.9428% | 4,920 |
| Equity capital to assets | 16.2634% | 592 |
| Core capital (leverage) ratio | 13.2561% | 1,232 |
| Tier 1 risk-based capital ratio | 16.8581% | 2,130 |
| Total risk-based capital ratio | 17.4067% | 2,308 |
| Memoranda: | ||
| Average total assets | $3,875,816,250 | 275 |
| Average earning assets | $3,464,027,500 | 272 |
| Average equity | $622,509,750 | 220 |
| Average total loans | $2,649,544,250 | 275 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0891% | 1,243 |
| Cost of funding earning assets | 1.0535% | 1,484 |
| Net interest margin | 4.0356% | 1,813 |
| Noninterest income to average assets | 0.9817% | 907 |
| Noninterest expense to average assets | 2.6156% | 3,164 |
| Loan and lease loss provision to assets | 0.0719% | 2,377 |
| Net operating income to assets | 1.4808% | 1,199 |
| Return on assets (ROA) | 1.6098% | 926 |
| Pretax return on assets | 2.0592% | 609 |
| Return on Equity (ROE) | 10.0664% | 2,356 |
| Retained earnings to average equity (ytd only) | 8.4382% | 1,231 |
| Net charge-offs to loans | -0.0018% | 3,936 |
| Credit loss provision to net charge-offs | -6,000.0000% | 4,500 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.3802% | 4,329 |
| Assets per employee ($millions) | 5.3439% | 2,107 |
| Cash dividends to net income (ytd only)* | 16.1744% | 3,133 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5919% | 4,888 |
| Loan loss allowance to noncurrent loans | 110.1423% | 3,172 |
| Noncurrent assets plus other real estate owned to assets | 0.4016% | 2,899 |
| Noncurrent loans to loans | 0.5374% | 2,664 |
| Net loans and leases to total assets | 68.4944% | 2,753 |
| Net loans and leases to deposits | 94.0286% | 1,258 |
| Net loans and leases to core deposits | 103.7983% | 1,401 |
| Total domestic deposits to total assets | 72.8442% | 4,917 |
| Equity capital to assets | 16.2457% | 576 |
| Core capital (leverage) ratio | 12.9139% | 1,346 |
| Tier 1 risk-based capital ratio | 16.1068% | 2,366 |
| Total risk-based capital ratio | 16.6375% | 2,596 |
| Memoranda: | ||
| Average total assets | $3,840,654,670 | 279 |
| Average earning assets | $3,427,784,000 | 276 |
| Average equity | $614,181,330 | 221 |
| Average total loans | $2,612,524,000 | 280 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0380% | 1,244 |
| Cost of funding earning assets | 1.0274% | 1,455 |
| Net interest margin | 4.0105% | 1,825 |
| Noninterest income to average assets | 0.9832% | 845 |
| Noninterest expense to average assets | 2.5908% | 3,242 |
| Loan and lease loss provision to assets | 0.0734% | 2,207 |
| Net operating income to assets | 1.4926% | 1,130 |
| Return on assets (ROA) | 1.5915% | 939 |
| Pretax return on assets | 2.0262% | 613 |
| Return on Equity (ROE) | 10.0333% | 2,357 |
| Retained earnings to average equity (ytd only) | 6.7290% | 2,147 |
| Net charge-offs to loans | 0.0220% | 2,011 |
| Credit loss provision to net charge-offs | 492.9577% | 624 |
| Earnings coverage of net charge-offs (x) | 132.6408% | 553 |
| Efficiency ratio | 55.0310% | 4,430 |
| Assets per employee ($millions) | 5.2329% | 2,248 |
| Cash dividends to net income (ytd only)* | 32.9337% | 2,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5744% | 4,981 |
| Loan loss allowance to noncurrent loans | 125.7619% | 2,984 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 3,225 |
| Noncurrent loans to loans | 0.4567% | 2,947 |
| Net loans and leases to total assets | 67.6966% | 2,800 |
| Net loans and leases to deposits | 91.5382% | 1,453 |
| Net loans and leases to core deposits | 101.3869% | 1,508 |
| Total domestic deposits to total assets | 73.9545% | 4,938 |
| Equity capital to assets | 15.9499% | 582 |
| Core capital (leverage) ratio | 12.6342% | 1,439 |
| Tier 1 risk-based capital ratio | 15.8131% | 2,523 |
| Total risk-based capital ratio | 16.3238% | 2,771 |
| Memoranda: | ||
| Average total assets | $3,815,809,000 | 280 |
| Average earning assets | $3,408,112,500 | 281 |
| Average equity | $605,264,500 | 224 |
| Average total loans | $2,578,518,000 | 283 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9825% | 1,081 |
| Cost of funding earning assets | 0.7755% | 1,659 |
| Net interest margin | 4.2069% | 1,373 |
| Noninterest income to average assets | 1.0988% | 769 |
| Noninterest expense to average assets | 2.9419% | 2,210 |
| Loan and lease loss provision to assets | 0.0563% | 3,045 |
| Net operating income to assets | 1.4621% | 1,229 |
| Return on assets (ROA) | 1.4201% | 1,361 |
| Pretax return on assets | 1.7889% | 950 |
| Return on Equity (ROE) | 9.3813% | 2,796 |
| Retained earnings to average equity (ytd only) | 7.2137% | 1,573 |
| Net charge-offs to loans | -0.0377% | 4,882 |
| Credit loss provision to net charge-offs | -222.5946% | 4,495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0082% | 4,014 |
| Assets per employee ($millions) | 5.0075% | 2,494 |
| Cash dividends to net income (ytd only)* | 23.1054% | 3,359 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5690% | 5,021 |
| Loan loss allowance to noncurrent loans | 117.1473% | 3,161 |
| Noncurrent assets plus other real estate owned to assets | 0.3662% | 3,089 |
| Noncurrent loans to loans | 0.4857% | 2,818 |
| Net loans and leases to total assets | 66.6732% | 3,043 |
| Net loans and leases to deposits | 92.3920% | 1,495 |
| Net loans and leases to core deposits | 102.9118% | 1,512 |
| Total domestic deposits to total assets | 72.1634% | 5,060 |
| Equity capital to assets | 15.7730% | 569 |
| Core capital (leverage) ratio | 12.7586% | 1,339 |
| Tier 1 risk-based capital ratio | 16.0013% | 2,402 |
| Total risk-based capital ratio | 16.5109% | 2,648 |
| Memoranda: | ||
| Average total assets | $3,657,117,200 | 283 |
| Average earning assets | $3,252,387,000 | 284 |
| Average equity | $553,610,800 | 230 |
| Average total loans | $2,450,783,200 | 289 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9263% | 1,103 |
| Cost of funding earning assets | 0.7345% | 1,653 |
| Net interest margin | 4.1919% | 1,377 |
| Noninterest income to average assets | 1.1166% | 753 |
| Noninterest expense to average assets | 3.0441% | 1,889 |
| Loan and lease loss provision to assets | 0.0482% | 3,030 |
| Net operating income to assets | 1.3873% | 1,535 |
| Return on assets (ROA) | 1.3208% | 1,783 |
| Pretax return on assets | 1.6637% | 1,370 |
| Return on Equity (ROE) | 8.8220% | 3,175 |
| Retained earnings to average equity (ytd only) | 8.3305% | 1,503 |
| Net charge-offs to loans | -0.0455% | 4,899 |
| Credit loss provision to net charge-offs | -158.0918% | 4,288 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0864% | 3,652 |
| Assets per employee ($millions) | 4.8971% | 2,603 |
| Cash dividends to net income (ytd only)* | 5.5713% | 3,507 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5482% | 5,129 |
| Loan loss allowance to noncurrent loans | 118.8149% | 3,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3509% | 3,270 |
| Noncurrent loans to loans | 0.4614% | 3,002 |
| Net loans and leases to total assets | 66.3708% | 3,138 |
| Net loans and leases to deposits | 88.8411% | 2,045 |
| Net loans and leases to core deposits | 98.2826% | 1,915 |
| Total domestic deposits to total assets | 74.7073% | 4,918 |
| Equity capital to assets | 15.8429% | 565 |
| Core capital (leverage) ratio | 12.7123% | 1,411 |
| Tier 1 risk-based capital ratio | 16.1277% | 2,394 |
| Total risk-based capital ratio | 16.6185% | 2,639 |
| Memoranda: | ||
| Average total assets | $3,623,732,000 | 285 |
| Average earning assets | $3,218,827,500 | 283 |
| Average equity | $542,538,750 | 230 |
| Average total loans | $2,428,025,250 | 288 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8628% | 1,099 |
| Cost of funding earning assets | 0.6990% | 1,628 |
| Net interest margin | 4.1638% | 1,368 |
| Noninterest income to average assets | 1.1365% | 745 |
| Noninterest expense to average assets | 3.3319% | 1,248 |
| Loan and lease loss provision to assets | 0.0311% | 3,288 |
| Net operating income to assets | 1.1829% | 2,269 |
| Return on assets (ROA) | 1.1188% | 2,525 |
| Pretax return on assets | 1.3921% | 2,176 |
| Return on Equity (ROE) | 7.6258% | 3,664 |
| Retained earnings to average equity (ytd only) | 6.8666% | 2,134 |
| Net charge-offs to loans | -0.0788% | 5,078 |
| Credit loss provision to net charge-offs | -58.9041% | 4,028 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.0690% | 2,808 |
| Assets per employee ($millions) | 4.9342% | 2,500 |
| Cash dividends to net income (ytd only)* | 9.9562% | 3,300 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5262% | 5,224 |
| Loan loss allowance to noncurrent loans | 132.8865% | 2,969 |
| Noncurrent assets plus other real estate owned to assets | 0.3111% | 3,522 |
| Noncurrent loans to loans | 0.3960% | 3,270 |
| Net loans and leases to total assets | 66.4260% | 3,075 |
| Net loans and leases to deposits | 89.8542% | 1,856 |
| Net loans and leases to core deposits | 97.3869% | 1,933 |
| Total domestic deposits to total assets | 73.9265% | 5,049 |
| Equity capital to assets | 15.5814% | 580 |
| Core capital (leverage) ratio | 12.3712% | 1,509 |
| Tier 1 risk-based capital ratio | 15.6563% | 2,564 |
| Total risk-based capital ratio | 16.1282% | 2,853 |
| Memoranda: | ||
| Average total assets | $3,591,051,000 | 283 |
| Average earning assets | $3,189,941,330 | 284 |
| Average equity | $526,839,670 | 230 |
| Average total loans | $2,409,437,670 | 288 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8279% | 1,012 |
| Cost of funding earning assets | 0.6475% | 1,731 |
| Net interest margin | 4.1805% | 1,212 |
| Noninterest income to average assets | 1.0714% | 804 |
| Noninterest expense to average assets | 4.1106% | 458 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.5827% | 4,474 |
| Return on assets (ROA) | 0.5147% | 4,654 |
| Pretax return on assets | 0.5930% | 4,701 |
| Return on Equity (ROE) | 3.6255% | 4,863 |
| Retained earnings to average equity (ytd only) | 3.6255% | 3,755 |
| Net charge-offs to loans | -0.2065% | 5,386 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0582% | 792 |
| Assets per employee ($millions) | 4.8744% | 2,641 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5283% | 5,292 |
| Loan loss allowance to noncurrent loans | 120.8559% | 3,111 |
| Noncurrent assets plus other real estate owned to assets | 0.3507% | 3,441 |
| Noncurrent loans to loans | 0.4372% | 3,217 |
| Net loans and leases to total assets | 67.2389% | 2,859 |
| Net loans and leases to deposits | 88.7950% | 1,833 |
| Net loans and leases to core deposits | 96.5762% | 1,937 |
| Total domestic deposits to total assets | 75.7238% | 4,992 |
| Equity capital to assets | 14.1306% | 856 |
| Core capital (leverage) ratio | 10.5584% | 2,884 |
| Tier 1 risk-based capital ratio | 13.1844% | 3,862 |
| Total risk-based capital ratio | 13.6544% | 4,197 |
| Memoranda: | ||
| Average total assets | $3,538,711,000 | 284 |
| Average earning assets | $3,140,900,000 | 285 |
| Average equity | $502,336,000 | 239 |
| Average total loans | $2,380,199,000 | 288 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4889% | 1,742 |
| Cost of funding earning assets | 0.5681% | 1,837 |
| Net interest margin | 3.9208% | 2,029 |
| Noninterest income to average assets | 1.2970% | 628 |
| Noninterest expense to average assets | 2.8927% | 2,480 |
| Loan and lease loss provision to assets | 0.0329% | 3,605 |
| Net operating income to assets | 1.2147% | 1,471 |
| Return on assets (ROA) | 1.2399% | 1,410 |
| Pretax return on assets | 1.9382% | 562 |
| Return on Equity (ROE) | 9.3399% | 2,159 |
| Retained earnings to average equity (ytd only) | 9.3399% | 450 |
| Net charge-offs to loans | -0.0008% | 4,482 |
| Credit loss provision to net charge-offs | -6,491.6667% | 5,251 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.0522% | 4,406 |
| Assets per employee ($millions) | 4.6708% | 2,909 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4874% | 5,400 |
| Loan loss allowance to noncurrent loans | 196.4909% | 2,315 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 3,868 |
| Noncurrent loans to loans | 0.2481% | 3,903 |
| Net loans and leases to total assets | 66.5476% | 3,027 |
| Net loans and leases to deposits | 89.6074% | 1,820 |
| Net loans and leases to core deposits | 97.0857% | 1,940 |
| Total domestic deposits to total assets | 74.2658% | 5,155 |
| Equity capital to assets | 14.2504% | 844 |
| Core capital (leverage) ratio | 11.8161% | 1,714 |
| Tier 1 risk-based capital ratio | 12.9280% | 3,947 |
| Total risk-based capital ratio | 13.3617% | 4,350 |
| Memoranda: | ||
| Average total assets | $2,367,140,600 | 360 |
| Average earning assets | $2,129,606,600 | 359 |
| Average equity | $314,253,200 | 323 |
| Average total loans | $1,597,484,400 | 376 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4642% | 1,747 |
| Cost of funding earning assets | 0.5701% | 1,742 |
| Net interest margin | 3.8941% | 2,062 |
| Noninterest income to average assets | 1.4028% | 539 |
| Noninterest expense to average assets | 2.9310% | 2,300 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.4306% | 1,024 |
| Return on assets (ROA) | 1.4848% | 942 |
| Pretax return on assets | 2.0745% | 472 |
| Return on Equity (ROE) | 11.5436% | 1,474 |
| Retained earnings to average equity (ytd only) | 11.5436% | 336 |
| Net charge-offs to loans | 0.0025% | 3,665 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 1,198.5472% | 82 |
| Efficiency ratio | 58.8358% | 4,382 |
| Assets per employee ($millions) | 4.6340% | 2,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7053% | 5,128 |
| Loan loss allowance to noncurrent loans | 161.2767% | 2,630 |
| Noncurrent assets plus other real estate owned to assets | 0.3656% | 3,569 |
| Noncurrent loans to loans | 0.4373% | 3,396 |
| Net loans and leases to total assets | 66.5128% | 3,040 |
| Net loans and leases to deposits | 87.1720% | 2,160 |
| Net loans and leases to core deposits | 96.0161% | 2,074 |
| Total domestic deposits to total assets | 76.3007% | 4,986 |
| Equity capital to assets | 13.6688% | 1,093 |
| Core capital (leverage) ratio | 11.9305% | 1,734 |
| Tier 1 risk-based capital ratio | 16.0542% | 2,480 |
| Total risk-based capital ratio | 16.7090% | 2,671 |
| Memoranda: | ||
| Average total assets | $2,078,480,250 | 395 |
| Average earning assets | $1,882,745,750 | 398 |
| Average equity | $267,349,750 | 353 |
| Average total loans | $1,408,070,000 | 411 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3757% | 1,894 |
| Cost of funding earning assets | 0.5432% | 1,818 |
| Net interest margin | 3.8325% | 2,166 |
| Noninterest income to average assets | 1.4623% | 505 |
| Noninterest expense to average assets | 3.0448% | 1,992 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.4094% | 1,046 |
| Return on assets (ROA) | 1.4693% | 940 |
| Pretax return on assets | 1.9676% | 561 |
| Return on Equity (ROE) | 11.6960% | 1,388 |
| Retained earnings to average equity (ytd only) | 11.6960% | 349 |
| Net charge-offs to loans | -0.0090% | 4,500 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1226% | 4,147 |
| Assets per employee ($millions) | 4.5560% | 3,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7303% | 5,137 |
| Loan loss allowance to noncurrent loans | 180.5206% | 2,425 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 3,778 |
| Noncurrent loans to loans | 0.4046% | 3,580 |
| Net loans and leases to total assets | 66.6790% | 3,008 |
| Net loans and leases to deposits | 87.1697% | 2,083 |
| Net loans and leases to core deposits | 95.1778% | 2,057 |
| Total domestic deposits to total assets | 76.4933% | 5,030 |
| Equity capital to assets | 13.6661% | 1,083 |
| Core capital (leverage) ratio | 11.8988% | 1,694 |
| Tier 1 risk-based capital ratio | 16.0113% | 2,504 |
| Total risk-based capital ratio | 16.6917% | 2,670 |
| Memoranda: | ||
| Average total assets | $2,019,057,000 | 408 |
| Average earning assets | $1,828,202,330 | 412 |
| Average equity | $253,643,000 | 369 |
| Average total loans | $1,373,530,330 | 419 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0580% | 2,812 |
| Cost of funding earning assets | 0.5064% | 2,035 |
| Net interest margin | 3.5516% | 3,083 |
| Noninterest income to average assets | 1.4010% | 544 |
| Noninterest expense to average assets | 3.1474% | 1,742 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0382% | 2,127 |
| Return on assets (ROA) | 1.0654% | 2,048 |
| Pretax return on assets | 1.5109% | 1,503 |
| Return on Equity (ROE) | 8.9250% | 2,454 |
| Retained earnings to average equity (ytd only) | 8.9250% | 1,107 |
| Net charge-offs to loans | -0.0082% | 4,344 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5342% | 3,273 |
| Assets per employee ($millions) | 4.4002% | 3,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7449% | 5,212 |
| Loan loss allowance to noncurrent loans | 156.7437% | 2,738 |
| Noncurrent assets plus other real estate owned to assets | 0.3810% | 3,682 |
| Noncurrent loans to loans | 0.4752% | 3,387 |
| Net loans and leases to total assets | 65.4191% | 3,060 |
| Net loans and leases to deposits | 87.6747% | 1,842 |
| Net loans and leases to core deposits | 95.3194% | 1,866 |
| Total domestic deposits to total assets | 74.6158% | 5,366 |
| Equity capital to assets | 13.1639% | 1,199 |
| Core capital (leverage) ratio | 14.1029% | 814 |
| Tier 1 risk-based capital ratio | 15.7104% | 2,657 |
| Total risk-based capital ratio | 16.4033% | 2,830 |
| Memoranda: | ||
| Average total assets | $1,932,872,500 | 425 |
| Average earning assets | $1,751,896,500 | 429 |
| Average equity | $230,723,000 | 399 |
| Average total loans | $1,324,310,500 | 430 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2887% | 2,176 |
| Cost of funding earning assets | 0.5695% | 1,542 |
| Net interest margin | 3.7191% | 2,613 |
| Noninterest income to average assets | 1.8372% | 383 |
| Noninterest expense to average assets | 3.5727% | 1,047 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1526% | 1,686 |
| Return on assets (ROA) | 1.1838% | 1,650 |
| Pretax return on assets | 1.7204% | 952 |
| Return on Equity (ROE) | 11.6137% | 1,363 |
| Retained earnings to average equity (ytd only) | 11.6137% | 247 |
| Net charge-offs to loans | -0.0503% | 5,394 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5818% | 3,328 |
| Assets per employee ($millions) | 3.8606% | 4,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8832% | 4,851 |
| Loan loss allowance to noncurrent loans | 190.1779% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.4039% | 3,656 |
| Noncurrent loans to loans | 0.4644% | 3,491 |
| Net loans and leases to total assets | 71.2580% | 2,294 |
| Net loans and leases to deposits | 94.5148% | 1,142 |
| Net loans and leases to core deposits | 104.8973% | 1,213 |
| Total domestic deposits to total assets | 75.3935% | 5,311 |
| Equity capital to assets | 10.3457% | 3,334 |
| Core capital (leverage) ratio | 10.3025% | 3,104 |
| Tier 1 risk-based capital ratio | 13.8075% | 3,574 |
| Total risk-based capital ratio | 14.6796% | 3,714 |
| Memoranda: | ||
| Average total assets | $1,560,350,400 | 491 |
| Average earning assets | $1,430,960,200 | 486 |
| Average equity | $159,054,200 | 503 |
| Average total loans | $1,089,014,000 | 476 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2166% | 2,455 |
| Cost of funding earning assets | 0.5764% | 1,510 |
| Net interest margin | 3.6403% | 2,924 |
| Noninterest income to average assets | 1.8733% | 381 |
| Noninterest expense to average assets | 3.6136% | 979 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1024% | 1,986 |
| Return on assets (ROA) | 1.1410% | 1,951 |
| Pretax return on assets | 1.6544% | 1,236 |
| Return on Equity (ROE) | 11.2395% | 1,577 |
| Retained earnings to average equity (ytd only) | 11.2395% | 397 |
| Net charge-offs to loans | -0.0252% | 5,091 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8391% | 3,070 |
| Assets per employee ($millions) | 3.8617% | 4,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8836% | 4,919 |
| Loan loss allowance to noncurrent loans | 247.7240% | 1,905 |
| Noncurrent assets plus other real estate owned to assets | 0.4245% | 3,730 |
| Noncurrent loans to loans | 0.3567% | 3,980 |
| Net loans and leases to total assets | 70.1732% | 2,463 |
| Net loans and leases to deposits | 87.6931% | 2,054 |
| Net loans and leases to core deposits | 96.9745% | 1,905 |
| Total domestic deposits to total assets | 80.0213% | 4,508 |
| Equity capital to assets | 10.3354% | 3,762 |
| Core capital (leverage) ratio | 10.1172% | 3,416 |
| Tier 1 risk-based capital ratio | 13.8929% | 3,615 |
| Total risk-based capital ratio | 14.7701% | 3,757 |
| Memoranda: | ||
| Average total assets | $1,529,629,750 | 503 |
| Average earning assets | $1,402,978,000 | 499 |
| Average equity | $155,282,250 | 512 |
| Average total loans | $1,058,736,000 | 484 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1142% | 2,805 |
| Cost of funding earning assets | 0.5809% | 1,465 |
| Net interest margin | 3.5334% | 3,357 |
| Noninterest income to average assets | 1.7360% | 423 |
| Noninterest expense to average assets | 3.7425% | 829 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.8792% | 2,970 |
| Return on assets (ROA) | 0.9298% | 2,861 |
| Pretax return on assets | 1.3037% | 2,393 |
| Return on Equity (ROE) | 9.2205% | 2,393 |
| Retained earnings to average equity (ytd only) | 9.2205% | 789 |
| Net charge-offs to loans | -0.0307% | 5,134 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7407% | 2,256 |
| Assets per employee ($millions) | 3.6320% | 4,545 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9328% | 4,831 |
| Loan loss allowance to noncurrent loans | 262.6786% | 1,829 |
| Noncurrent assets plus other real estate owned to assets | 0.4480% | 3,722 |
| Noncurrent loans to loans | 0.3551% | 4,096 |
| Net loans and leases to total assets | 68.1227% | 2,758 |
| Net loans and leases to deposits | 85.9017% | 2,259 |
| Net loans and leases to core deposits | 95.5206% | 2,017 |
| Total domestic deposits to total assets | 79.3030% | 4,717 |
| Equity capital to assets | 10.2906% | 3,873 |
| Core capital (leverage) ratio | 10.6681% | 2,769 |
| Tier 1 risk-based capital ratio | 13.9602% | 3,628 |
| Total risk-based capital ratio | 14.8727% | 3,745 |
| Memoranda: | ||
| Average total assets | $1,488,565,000 | 516 |
| Average earning assets | $1,364,535,000 | 509 |
| Average equity | $150,101,000 | 526 |
| Average total loans | $1,021,588,330 | 497 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1062% | 2,823 |
| Cost of funding earning assets | 0.5908% | 1,401 |
| Net interest margin | 3.5154% | 3,405 |
| Noninterest income to average assets | 1.6403% | 444 |
| Noninterest expense to average assets | 3.4214% | 1,340 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9913% | 2,319 |
| Return on assets (ROA) | 1.0717% | 2,123 |
| Pretax return on assets | 1.5623% | 1,397 |
| Return on Equity (ROE) | 10.7525% | 1,694 |
| Retained earnings to average equity (ytd only) | 10.7525% | 702 |
| Net charge-offs to loans | -0.0379% | 5,185 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8023% | 3,166 |
| Assets per employee ($millions) | 3.5781% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 4,458 |
| Loan loss allowance to noncurrent loans | 224.2112% | 2,057 |
| Noncurrent assets plus other real estate owned to assets | 0.3893% | 4,030 |
| Noncurrent loans to loans | 0.4582% | 3,805 |
| Net loans and leases to total assets | 67.8627% | 2,666 |
| Net loans and leases to deposits | 86.2309% | 2,038 |
| Net loans and leases to core deposits | 96.7263% | 1,727 |
| Total domestic deposits to total assets | 78.6988% | 5,030 |
| Equity capital to assets | 9.9423% | 4,159 |
| Core capital (leverage) ratio | 10.1134% | 3,410 |
| Tier 1 risk-based capital ratio | 14.0925% | 3,624 |
| Total risk-based capital ratio | 15.0985% | 3,725 |
| Memoranda: | ||
| Average total assets | $1,430,185,000 | 528 |
| Average earning assets | $1,312,736,000 | 525 |
| Average equity | $142,553,000 | 555 |
| Average total loans | $980,439,000 | 519 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1736% | 2,646 |
| Cost of funding earning assets | 0.5033% | 2,128 |
| Net interest margin | 3.6703% | 2,860 |
| Noninterest income to average assets | 2.1044% | 336 |
| Noninterest expense to average assets | 3.8245% | 838 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 1.0932% | 1,957 |
| Return on assets (ROA) | 1.1697% | 1,739 |
| Pretax return on assets | 1.7516% | 888 |
| Return on Equity (ROE) | 12.9562% | 1,072 |
| Retained earnings to average equity (ytd only) | 11.5154% | 289 |
| Net charge-offs to loans | -0.1247% | 5,836 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5413% | 3,298 |
| Assets per employee ($millions) | 4.1280% | 3,702 |
| Cash dividends to net income (ytd only)* | 11.1206% | 4,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0510% | 4,307 |
| Loan loss allowance to noncurrent loans | 236.5842% | 2,009 |
| Noncurrent assets plus other real estate owned to assets | 0.4731% | 3,730 |
| Noncurrent loans to loans | 0.4442% | 3,879 |
| Net loans and leases to total assets | 67.8187% | 2,727 |
| Net loans and leases to deposits | 91.0959% | 1,494 |
| Net loans and leases to core deposits | 102.4161% | 1,332 |
| Total domestic deposits to total assets | 74.4476% | 5,603 |
| Equity capital to assets | 9.9934% | 3,962 |
| Core capital (leverage) ratio | 10.2101% | 3,253 |
| Tier 1 risk-based capital ratio | 14.0771% | 3,670 |
| Total risk-based capital ratio | 15.1038% | 3,731 |
| Memoranda: | ||
| Average total assets | $1,306,905,800 | 548 |
| Average earning assets | $1,195,515,400 | 543 |
| Average equity | $117,989,400 | 649 |
| Average total loans | $886,082,800 | 533 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1932% | 2,597 |
| Cost of funding earning assets | 0.4852% | 2,364 |
| Net interest margin | 3.7080% | 2,733 |
| Noninterest income to average assets | 2.0911% | 335 |
| Noninterest expense to average assets | 3.8436% | 800 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 1.0915% | 2,050 |
| Return on assets (ROA) | 1.1932% | 1,740 |
| Pretax return on assets | 1.7881% | 922 |
| Return on Equity (ROE) | 13.6157% | 979 |
| Retained earnings to average equity (ytd only) | 12.1912% | 345 |
| Net charge-offs to loans | -0.1314% | 5,883 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6520% | 3,260 |
| Assets per employee ($millions) | 3.9653% | 3,940 |
| Cash dividends to net income (ytd only)* | 10.4621% | 3,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 4,154 |
| Loan loss allowance to noncurrent loans | 202.0638% | 2,235 |
| Noncurrent assets plus other real estate owned to assets | 0.5750% | 3,562 |
| Noncurrent loans to loans | 0.5506% | 3,690 |
| Net loans and leases to total assets | 66.1668% | 2,977 |
| Net loans and leases to deposits | 84.5786% | 2,332 |
| Net loans and leases to core deposits | 94.6771% | 2,015 |
| Total domestic deposits to total assets | 78.2312% | 5,146 |
| Equity capital to assets | 8.8338% | 5,457 |
| Core capital (leverage) ratio | 8.7738% | 5,270 |
| Tier 1 risk-based capital ratio | 12.3403% | 4,859 |
| Total risk-based capital ratio | 13.3953% | 4,903 |
| Memoranda: | ||
| Average total assets | $1,281,719,500 | 561 |
| Average earning assets | $1,171,385,750 | 553 |
| Average equity | $112,318,750 | 689 |
| Average total loans | $866,405,750 | 545 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1910% | 2,569 |
| Cost of funding earning assets | 0.4822% | 2,411 |
| Net interest margin | 3.7089% | 2,672 |
| Noninterest income to average assets | 2.2144% | 316 |
| Noninterest expense to average assets | 3.9423% | 727 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 1.1117% | 1,902 |
| Return on assets (ROA) | 1.1585% | 1,819 |
| Pretax return on assets | 1.7293% | 1,022 |
| Return on Equity (ROE) | 13.2571% | 1,063 |
| Retained earnings to average equity (ytd only) | 11.8110% | 412 |
| Net charge-offs to loans | -0.2284% | 6,058 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8934% | 3,345 |
| Assets per employee ($millions) | 4.0386% | 3,805 |
| Cash dividends to net income (ytd only)* | 10.9081% | 3,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1103% | 4,271 |
| Loan loss allowance to noncurrent loans | 252.4830% | 1,869 |
| Noncurrent assets plus other real estate owned to assets | 0.5464% | 3,791 |
| Noncurrent loans to loans | 0.4397% | 4,164 |
| Net loans and leases to total assets | 67.3458% | 2,743 |
| Net loans and leases to deposits | 88.2736% | 1,798 |
| Net loans and leases to core deposits | 98.4678% | 1,615 |
| Total domestic deposits to total assets | 76.2921% | 5,561 |
| Equity capital to assets | 8.5704% | 5,621 |
| Core capital (leverage) ratio | 8.6375% | 5,386 |
| Tier 1 risk-based capital ratio | 11.9295% | 5,195 |
| Total risk-based capital ratio | 12.9994% | 5,217 |
| Memoranda: | ||
| Average total assets | $1,266,162,330 | 559 |
| Average earning assets | $1,156,419,330 | 556 |
| Average equity | $110,642,330 | 699 |
| Average total loans | $858,926,670 | 548 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0819% | 2,909 |
| Cost of funding earning assets | 0.4803% | 2,449 |
| Net interest margin | 3.6016% | 2,994 |
| Noninterest income to average assets | 1.8763% | 389 |
| Noninterest expense to average assets | 3.8020% | 877 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9290% | 2,613 |
| Return on assets (ROA) | 1.0326% | 2,261 |
| Pretax return on assets | 1.5125% | 1,525 |
| Return on Equity (ROE) | 11.6960% | 1,427 |
| Retained earnings to average equity (ytd only) | 9.8645% | 961 |
| Net charge-offs to loans | -0.1643% | 6,002 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1191% | 2,972 |
| Assets per employee ($millions) | 3.8991% | 4,162 |
| Cash dividends to net income (ytd only)* | 15.6593% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0955% | 4,542 |
| Loan loss allowance to noncurrent loans | 345.7059% | 1,383 |
| Noncurrent assets plus other real estate owned to assets | 0.4611% | 4,185 |
| Noncurrent loans to loans | 0.3169% | 4,657 |
| Net loans and leases to total assets | 66.4119% | 2,707 |
| Net loans and leases to deposits | 85.1239% | 1,940 |
| Net loans and leases to core deposits | 95.0410% | 1,690 |
| Total domestic deposits to total assets | 78.0180% | 5,447 |
| Equity capital to assets | 8.7052% | 5,568 |
| Core capital (leverage) ratio | 8.8005% | 5,203 |
| Tier 1 risk-based capital ratio | 12.1023% | 5,173 |
| Total risk-based capital ratio | 13.2202% | 5,150 |
| Memoranda: | ||
| Average total assets | $1,236,920,500 | 568 |
| Average earning assets | $1,128,498,500 | 568 |
| Average equity | $109,200,000 | 701 |
| Average total loans | $837,335,500 | 555 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1507% | 3,119 |
| Cost of funding earning assets | 0.5546% | 2,174 |
| Net interest margin | 3.5960% | 3,426 |
| Noninterest income to average assets | 1.8242% | 397 |
| Noninterest expense to average assets | 3.9010% | 854 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.8325% | 3,208 |
| Return on assets (ROA) | 0.9081% | 2,925 |
| Pretax return on assets | 1.2983% | 2,247 |
| Return on Equity (ROE) | 8.9320% | 2,624 |
| Retained earnings to average equity (ytd only) | 8.9320% | 723 |
| Net charge-offs to loans | -0.1401% | 6,193 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5283% | 2,434 |
| Assets per employee ($millions) | 3.6774% | 4,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1038% | 4,525 |
| Loan loss allowance to noncurrent loans | 376.6153% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.4703% | 4,236 |
| Noncurrent loans to loans | 0.2931% | 4,802 |
| Net loans and leases to total assets | 67.5240% | 2,639 |
| Net loans and leases to deposits | 83.5348% | 2,270 |
| Net loans and leases to core deposits | 92.4897% | 2,039 |
| Total domestic deposits to total assets | 80.8334% | 4,784 |
| Equity capital to assets | 8.9594% | 5,333 |
| Core capital (leverage) ratio | 9.3958% | 4,395 |
| Tier 1 risk-based capital ratio | 11.9044% | 5,426 |
| Total risk-based capital ratio | 13.0232% | 5,419 |
| Memoranda: | ||
| Average total assets | $1,004,330,200 | 677 |
| Average earning assets | $912,479,400 | 673 |
| Average equity | $102,104,600 | 716 |
| Average total loans | $673,747,000 | 643 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1232% | 3,282 |
| Cost of funding earning assets | 0.5822% | 1,999 |
| Net interest margin | 3.5410% | 3,666 |
| Noninterest income to average assets | 2.0176% | 341 |
| Noninterest expense to average assets | 3.8955% | 849 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.9238% | 2,802 |
| Return on assets (ROA) | 0.9905% | 2,560 |
| Pretax return on assets | 1.4309% | 1,885 |
| Return on Equity (ROE) | 9.3933% | 2,501 |
| Retained earnings to average equity (ytd only) | 9.3933% | 874 |
| Net charge-offs to loans | -0.1702% | 6,276 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4471% | 2,748 |
| Assets per employee ($millions) | 3.8731% | 4,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2797% | 3,754 |
| Loan loss allowance to noncurrent loans | 124.0423% | 3,149 |
| Noncurrent assets plus other real estate owned to assets | 1.0997% | 2,753 |
| Noncurrent loans to loans | 1.0317% | 3,010 |
| Net loans and leases to total assets | 66.1817% | 2,828 |
| Net loans and leases to deposits | 87.1653% | 1,768 |
| Net loans and leases to core deposits | 98.5427% | 1,486 |
| Total domestic deposits to total assets | 75.9266% | 5,826 |
| Equity capital to assets | 10.1247% | 4,019 |
| Core capital (leverage) ratio | 10.3631% | 3,195 |
| Tier 1 risk-based capital ratio | 14.2594% | 4,046 |
| Total risk-based capital ratio | 15.5776% | 3,931 |
| Memoranda: | ||
| Average total assets | $955,707,000 | 703 |
| Average earning assets | $866,974,000 | 709 |
| Average equity | $100,779,000 | 726 |
| Average total loans | $637,551,750 | 678 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1033% | 3,330 |
| Cost of funding earning assets | 0.5906% | 1,971 |
| Net interest margin | 3.5127% | 3,732 |
| Noninterest income to average assets | 2.0438% | 331 |
| Noninterest expense to average assets | 3.8937% | 859 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9065% | 2,771 |
| Return on assets (ROA) | 0.9769% | 2,506 |
| Pretax return on assets | 1.4356% | 1,764 |
| Return on Equity (ROE) | 9.1282% | 2,536 |
| Retained earnings to average equity (ytd only) | 9.1282% | 948 |
| Net charge-offs to loans | -0.1848% | 6,326 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4754% | 2,897 |
| Assets per employee ($millions) | 3.8878% | 4,088 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3083% | 3,812 |
| Loan loss allowance to noncurrent loans | 92.9000% | 3,803 |
| Noncurrent assets plus other real estate owned to assets | 1.5169% | 2,147 |
| Noncurrent loans to loans | 1.4083% | 2,446 |
| Net loans and leases to total assets | 66.1676% | 2,726 |
| Net loans and leases to deposits | 83.3706% | 2,102 |
| Net loans and leases to core deposits | 94.1593% | 1,760 |
| Total domestic deposits to total assets | 79.3656% | 5,368 |
| Equity capital to assets | 10.4002% | 3,561 |
| Core capital (leverage) ratio | 10.7790% | 2,645 |
| Tier 1 risk-based capital ratio | 14.6095% | 3,860 |
| Total risk-based capital ratio | 15.9661% | 3,751 |
| Memoranda: | ||
| Average total assets | $928,278,000 | 721 |
| Average earning assets | $840,887,330 | 729 |
| Average equity | $99,340,670 | 735 |
| Average total loans | $618,113,330 | 695 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1645% | 3,016 |
| Cost of funding earning assets | 0.5895% | 2,068 |
| Net interest margin | 3.5750% | 3,364 |
| Noninterest income to average assets | 2.0021% | 338 |
| Noninterest expense to average assets | 3.9935% | 765 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8422% | 2,942 |
| Return on assets (ROA) | 0.9378% | 2,542 |
| Pretax return on assets | 1.3803% | 1,818 |
| Return on Equity (ROE) | 8.6299% | 2,628 |
| Retained earnings to average equity (ytd only) | 8.6299% | 1,370 |
| Net charge-offs to loans | -0.2080% | 6,395 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2950% | 2,751 |
| Assets per employee ($millions) | 3.7906% | 4,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3729% | 3,729 |
| Loan loss allowance to noncurrent loans | 93.7716% | 3,767 |
| Noncurrent assets plus other real estate owned to assets | 1.6026% | 2,197 |
| Noncurrent loans to loans | 1.4641% | 2,595 |
| Net loans and leases to total assets | 65.7904% | 2,600 |
| Net loans and leases to deposits | 80.5922% | 2,215 |
| Net loans and leases to core deposits | 91.2192% | 1,803 |
| Total domestic deposits to total assets | 81.6338% | 5,045 |
| Equity capital to assets | 10.8353% | 2,898 |
| Core capital (leverage) ratio | 11.1345% | 2,273 |
| Tier 1 risk-based capital ratio | 15.0146% | 3,706 |
| Total risk-based capital ratio | 16.3994% | 3,589 |
| Memoranda: | ||
| Average total assets | $898,671,500 | 751 |
| Average earning assets | $812,197,000 | 764 |
| Average equity | $97,660,500 | 746 |
| Average total loans | $596,139,500 | 729 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1722% | 3,450 |
| Cost of funding earning assets | 0.6345% | 2,341 |
| Net interest margin | 3.5377% | 3,730 |
| Noninterest income to average assets | 4.8489% | 140 |
| Noninterest expense to average assets | 4.9753% | 354 |
| Loan and lease loss provision to assets | -0.0978% | 6,478 |
| Net operating income to assets | 2.0337% | 322 |
| Return on assets (ROA) | 1.9518% | 366 |
| Pretax return on assets | 3.0441% | 119 |
| Return on Equity (ROE) | 18.7672% | 356 |
| Retained earnings to average equity (ytd only) | 18.7672% | 98 |
| Net charge-offs to loans | 0.0942% | 3,902 |
| Credit loss provision to net charge-offs | -151.1424% | 5,947 |
| Earnings coverage of net charge-offs (x) | 47.5114% | 828 |
| Efficiency ratio | 61.8088% | 5,242 |
| Assets per employee ($millions) | 3.6067% | 4,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3941% | 3,681 |
| Loan loss allowance to noncurrent loans | 73.3944% | 4,384 |
| Noncurrent assets plus other real estate owned to assets | 1.9656% | 1,830 |
| Noncurrent loans to loans | 1.8995% | 2,118 |
| Net loans and leases to total assets | 65.0299% | 2,859 |
| Net loans and leases to deposits | 81.6022% | 2,235 |
| Net loans and leases to core deposits | 90.2730% | 1,991 |
| Total domestic deposits to total assets | 79.6914% | 5,514 |
| Equity capital to assets | 10.9004% | 2,703 |
| Core capital (leverage) ratio | 11.0124% | 2,375 |
| Tier 1 risk-based capital ratio | 15.2623% | 3,507 |
| Total risk-based capital ratio | 16.6637% | 3,372 |
| Memoranda: | ||
| Average total assets | $879,378,200 | 749 |
| Average earning assets | $795,608,400 | 757 |
| Average equity | $91,457,600 | 769 |
| Average total loans | $603,744,800 | 692 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1674% | 3,501 |
| Cost of funding earning assets | 0.6425% | 2,432 |
| Net interest margin | 3.5250% | 3,777 |
| Noninterest income to average assets | 4.8829% | 145 |
| Noninterest expense to average assets | 5.0726% | 318 |
| Loan and lease loss provision to assets | -0.1334% | 6,662 |
| Net operating income to assets | 2.0024% | 361 |
| Return on assets (ROA) | 1.9653% | 398 |
| Pretax return on assets | 3.0792% | 127 |
| Return on Equity (ROE) | 19.1272% | 365 |
| Retained earnings to average equity (ytd only) | 19.1272% | 90 |
| Net charge-offs to loans | 0.0685% | 3,941 |
| Credit loss provision to net charge-offs | -281.1502% | 5,959 |
| Earnings coverage of net charge-offs (x) | 63.2816% | 725 |
| Efficiency ratio | 62.8086% | 5,014 |
| Assets per employee ($millions) | 3.7126% | 4,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4660% | 3,615 |
| Loan loss allowance to noncurrent loans | 65.1259% | 4,608 |
| Noncurrent assets plus other real estate owned to assets | 2.1211% | 1,880 |
| Noncurrent loans to loans | 2.2510% | 1,954 |
| Net loans and leases to total assets | 62.5546% | 3,249 |
| Net loans and leases to deposits | 78.0848% | 2,654 |
| Net loans and leases to core deposits | 84.7943% | 2,567 |
| Total domestic deposits to total assets | 80.1111% | 5,474 |
| Equity capital to assets | 10.5129% | 3,259 |
| Core capital (leverage) ratio | 10.6232% | 2,866 |
| Tier 1 risk-based capital ratio | 15.3503% | 3,535 |
| Total risk-based capital ratio | 17.4046% | 3,062 |
| Memoranda: | ||
| Average total assets | $879,215,500 | 757 |
| Average earning assets | $796,504,000 | 760 |
| Average equity | $90,340,250 | 788 |
| Average total loans | $609,587,750 | 686 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1861% | 3,428 |
| Cost of funding earning assets | 0.6559% | 2,447 |
| Net interest margin | 3.5302% | 3,656 |
| Noninterest income to average assets | 5.6606% | 131 |
| Noninterest expense to average assets | 5.3700% | 279 |
| Loan and lease loss provision to assets | -0.1602% | 6,759 |
| Net operating income to assets | 2.3055% | 217 |
| Return on assets (ROA) | 2.2987% | 226 |
| Pretax return on assets | 3.6508% | 99 |
| Return on Equity (ROE) | 22.5500% | 185 |
| Retained earnings to average equity (ytd only) | 22.5500% | 64 |
| Net charge-offs to loans | 0.1338% | 3,038 |
| Credit loss provision to net charge-offs | -167.8657% | 5,700 |
| Earnings coverage of net charge-offs (x) | 36.6930% | 987 |
| Efficiency ratio | 60.5329% | 5,399 |
| Assets per employee ($millions) | 3.4691% | 4,917 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3886% | 4,093 |
| Loan loss allowance to noncurrent loans | 60.8913% | 4,755 |
| Noncurrent assets plus other real estate owned to assets | 2.4699% | 1,717 |
| Noncurrent loans to loans | 2.2805% | 2,079 |
| Net loans and leases to total assets | 67.9906% | 2,233 |
| Net loans and leases to deposits | 85.7234% | 1,599 |
| Net loans and leases to core deposits | 93.2988% | 1,590 |
| Total domestic deposits to total assets | 79.3139% | 5,752 |
| Equity capital to assets | 10.5406% | 3,248 |
| Core capital (leverage) ratio | 10.7782% | 2,589 |
| Tier 1 risk-based capital ratio | 15.0749% | 3,729 |
| Total risk-based capital ratio | 17.1342% | 3,213 |
| Memoranda: | ||
| Average total assets | $874,044,330 | 758 |
| Average earning assets | $794,907,670 | 765 |
| Average equity | $89,099,670 | 794 |
| Average total loans | $623,443,330 | 673 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1525% | 3,503 |
| Cost of funding earning assets | 0.6621% | 2,549 |
| Net interest margin | 3.4904% | 3,743 |
| Noninterest income to average assets | 5.8668% | 121 |
| Noninterest expense to average assets | 5.8196% | 229 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 2.0255% | 328 |
| Return on assets (ROA) | 2.0302% | 354 |
| Pretax return on assets | 3.2533% | 128 |
| Return on Equity (ROE) | 20.2624% | 276 |
| Retained earnings to average equity (ytd only) | 20.2624% | 131 |
| Net charge-offs to loans | -0.0746% | 6,307 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.1947% | 4,980 |
| Assets per employee ($millions) | 3.4263% | 5,146 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5832% | 3,470 |
| Loan loss allowance to noncurrent loans | 56.0121% | 4,892 |
| Noncurrent assets plus other real estate owned to assets | 2.7886% | 1,627 |
| Noncurrent loans to loans | 2.8265% | 1,793 |
| Net loans and leases to total assets | 69.9463% | 1,666 |
| Net loans and leases to deposits | 89.8099% | 987 |
| Net loans and leases to core deposits | 95.3750% | 1,241 |
| Total domestic deposits to total assets | 77.8826% | 6,128 |
| Equity capital to assets | 10.4573% | 3,586 |
| Core capital (leverage) ratio | 10.3221% | 3,003 |
| Tier 1 risk-based capital ratio | 14.7920% | 3,977 |
| Total risk-based capital ratio | 16.9012% | 3,415 |
| Memoranda: | ||
| Average total assets | $872,228,000 | 765 |
| Average earning assets | $799,325,000 | 766 |
| Average equity | $87,393,500 | 821 |
| Average total loans | $632,594,500 | 661 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6449% | 2,823 |
| Cost of funding earning assets | 0.8871% | 2,013 |
| Net interest margin | 3.7578% | 3,402 |
| Noninterest income to average assets | 6.7476% | 103 |
| Noninterest expense to average assets | 6.0537% | 218 |
| Loan and lease loss provision to assets | 0.3222% | 2,115 |
| Net operating income to assets | 2.3590% | 191 |
| Return on assets (ROA) | 2.0587% | 353 |
| Pretax return on assets | 3.3176% | 117 |
| Return on Equity (ROE) | 23.9792% | 155 |
| Retained earnings to average equity (ytd only) | 23.9792% | 38 |
| Net charge-offs to loans | 0.8450% | 1,363 |
| Credit loss provision to net charge-offs | 51.7987% | 4,653 |
| Earnings coverage of net charge-offs (x) | 6.6064% | 2,779 |
| Efficiency ratio | 59.5674% | 5,605 |
| Assets per employee ($millions) | 3.5516% | 4,901 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4503% | 3,943 |
| Loan loss allowance to noncurrent loans | 62.4344% | 4,567 |
| Noncurrent assets plus other real estate owned to assets | 2.4251% | 2,019 |
| Noncurrent loans to loans | 2.3229% | 2,317 |
| Net loans and leases to total assets | 72.8576% | 1,362 |
| Net loans and leases to deposits | 98.3394% | 487 |
| Net loans and leases to core deposits | 104.1833% | 778 |
| Total domestic deposits to total assets | 74.0879% | 6,519 |
| Equity capital to assets | 9.5972% | 4,757 |
| Core capital (leverage) ratio | 10.0129% | 3,380 |
| Tier 1 risk-based capital ratio | 13.5653% | 4,704 |
| Total risk-based capital ratio | 15.9722% | 3,836 |
| Memoranda: | ||
| Average total assets | $840,210,800 | 780 |
| Average earning assets | $763,612,400 | 782 |
| Average equity | $72,133,200 | 976 |
| Average total loans | $618,488,400 | 669 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7636% | 2,527 |
| Cost of funding earning assets | 0.9206% | 2,041 |
| Net interest margin | 3.8430% | 3,148 |
| Noninterest income to average assets | 6.0018% | 115 |
| Noninterest expense to average assets | 6.0491% | 207 |
| Loan and lease loss provision to assets | 0.3915% | 1,639 |
| Net operating income to assets | 1.8771% | 479 |
| Return on assets (ROA) | 1.5249% | 1,086 |
| Pretax return on assets | 2.4958% | 291 |
| Return on Equity (ROE) | 18.3412% | 465 |
| Retained earnings to average equity (ytd only) | 18.3412% | 113 |
| Net charge-offs to loans | 0.9633% | 1,109 |
| Credit loss provision to net charge-offs | 55.2727% | 4,267 |
| Earnings coverage of net charge-offs (x) | 4.8536% | 3,185 |
| Efficiency ratio | 63.7635% | 4,845 |
| Assets per employee ($millions) | 3.3883% | 5,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6137% | 3,462 |
| Loan loss allowance to noncurrent loans | 56.2343% | 4,839 |
| Noncurrent assets plus other real estate owned to assets | 3.0181% | 1,731 |
| Noncurrent loans to loans | 2.8697% | 1,958 |
| Net loans and leases to total assets | 73.0702% | 1,379 |
| Net loans and leases to deposits | 96.5403% | 626 |
| Net loans and leases to core deposits | 101.7204% | 1,003 |
| Total domestic deposits to total assets | 75.6888% | 6,431 |
| Equity capital to assets | 9.1802% | 5,615 |
| Core capital (leverage) ratio | 9.1929% | 4,777 |
| Tier 1 risk-based capital ratio | 12.7807% | 5,419 |
| Total risk-based capital ratio | 15.2445% | 4,477 |
| Memoranda: | ||
| Average total assets | $828,291,000 | 797 |
| Average earning assets | $751,122,000 | 803 |
| Average equity | $68,863,250 | 1,027 |
| Average total loans | $609,006,750 | 679 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7939% | 2,536 |
| Cost of funding earning assets | 0.9496% | 2,068 |
| Net interest margin | 3.8444% | 3,160 |
| Noninterest income to average assets | 5.2326% | 134 |
| Noninterest expense to average assets | 6.2728% | 197 |
| Loan and lease loss provision to assets | 0.5294% | 1,187 |
| Net operating income to assets | 1.1559% | 1,861 |
| Return on assets (ROA) | 0.9412% | 2,969 |
| Pretax return on assets | 1.5849% | 1,587 |
| Return on Equity (ROE) | 11.7361% | 1,761 |
| Retained earnings to average equity (ytd only) | 11.7361% | 629 |
| Net charge-offs to loans | 1.2696% | 847 |
| Credit loss provision to net charge-offs | 56.9118% | 3,884 |
| Earnings coverage of net charge-offs (x) | 2.6335% | 3,694 |
| Efficiency ratio | 71.9138% | 3,445 |
| Assets per employee ($millions) | 3.4828% | 5,017 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6923% | 3,253 |
| Loan loss allowance to noncurrent loans | 41.9711% | 5,559 |
| Noncurrent assets plus other real estate owned to assets | 3.9914% | 1,279 |
| Noncurrent loans to loans | 4.0320% | 1,364 |
| Net loans and leases to total assets | 73.1019% | 1,380 |
| Net loans and leases to deposits | 94.2739% | 743 |
| Net loans and leases to core deposits | 100.1688% | 1,090 |
| Total domestic deposits to total assets | 77.5420% | 6,241 |
| Equity capital to assets | 8.3356% | 6,348 |
| Core capital (leverage) ratio | 8.7748% | 5,261 |
| Tier 1 risk-based capital ratio | 11.6666% | 6,128 |
| Total risk-based capital ratio | 14.1231% | 5,249 |
| Memoranda: | ||
| Average total assets | $824,289,000 | 804 |
| Average earning assets | $748,318,670 | 803 |
| Average equity | $66,104,000 | 1,063 |
| Average total loans | $603,983,000 | 683 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8012% | 2,637 |
| Cost of funding earning assets | 0.9882% | 2,045 |
| Net interest margin | 3.8130% | 3,333 |
| Noninterest income to average assets | 4.6832% | 142 |
| Noninterest expense to average assets | 5.1119% | 342 |
| Loan and lease loss provision to assets | 1.0037% | 409 |
| Net operating income to assets | 1.2454% | 1,612 |
| Return on assets (ROA) | 1.0698% | 2,394 |
| Pretax return on assets | 1.7593% | 1,174 |
| Return on Equity (ROE) | 13.6085% | 1,277 |
| Retained earnings to average equity (ytd only) | 13.6085% | 609 |
| Net charge-offs to loans | 1.5624% | 643 |
| Credit loss provision to net charge-offs | 88.3333% | 2,576 |
| Earnings coverage of net charge-offs (x) | 2.6731% | 3,115 |
| Efficiency ratio | 62.7279% | 5,146 |
| Assets per employee ($millions) | 3.6379% | 4,794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9862% | 2,399 |
| Loan loss allowance to noncurrent loans | 47.9560% | 5,184 |
| Noncurrent assets plus other real estate owned to assets | 3.9953% | 1,380 |
| Noncurrent loans to loans | 4.1417% | 1,463 |
| Net loans and leases to total assets | 70.6210% | 1,646 |
| Net loans and leases to deposits | 89.5764% | 998 |
| Net loans and leases to core deposits | 96.8084% | 1,223 |
| Total domestic deposits to total assets | 78.8388% | 6,113 |
| Equity capital to assets | 8.0867% | 6,454 |
| Core capital (leverage) ratio | 8.5762% | 5,469 |
| Tier 1 risk-based capital ratio | 11.5792% | 6,235 |
| Total risk-based capital ratio | 14.0705% | 5,325 |
| Memoranda: | ||
| Average total assets | $823,717,000 | 806 |
| Average earning assets | $748,816,500 | 808 |
| Average equity | $64,753,500 | 1,085 |
| Average total loans | $599,077,500 | 690 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9285% | 3,214 |
| Cost of funding earning assets | 1.3268% | 1,355 |
| Net interest margin | 3.6017% | 4,723 |
| Noninterest income to average assets | 2.3373% | 296 |
| Noninterest expense to average assets | 4.2461% | 764 |
| Loan and lease loss provision to assets | 1.2388% | 692 |
| Net operating income to assets | 0.1010% | 5,863 |
| Return on assets (ROA) | -0.0825% | 6,226 |
| Pretax return on assets | -0.0739% | 6,191 |
| Return on Equity (ROE) | -1.1104% | 6,254 |
| Retained earnings to average equity (ytd only) | -1.1104% | 6,024 |
| Net charge-offs to loans | 2.0888% | 647 |
| Credit loss provision to net charge-offs | 82.8382% | 4,331 |
| Earnings coverage of net charge-offs (x) | 0.9017% | 5,134 |
| Efficiency ratio | 75.8978% | 2,906 |
| Assets per employee ($millions) | 3.8384% | 4,233 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9874% | 2,320 |
| Loan loss allowance to noncurrent loans | 35.2440% | 5,879 |
| Noncurrent assets plus other real estate owned to assets | 4.8780% | 1,107 |
| Noncurrent loans to loans | 5.6390% | 925 |
| Net loans and leases to total assets | 71.9437% | 1,653 |
| Net loans and leases to deposits | 94.6057% | 770 |
| Net loans and leases to core deposits | 100.0524% | 1,171 |
| Total domestic deposits to total assets | 76.0458% | 6,475 |
| Equity capital to assets | 7.6364% | 6,756 |
| Core capital (leverage) ratio | 8.1806% | 6,035 |
| Tier 1 risk-based capital ratio | 10.8815% | 6,516 |
| Total risk-based capital ratio | 13.6666% | 5,495 |
| Memoranda: | ||
| Average total assets | $866,573,800 | 753 |
| Average earning assets | $783,712,800 | 753 |
| Average equity | $64,390,200 | 1,048 |
| Average total loans | $620,392,800 | 672 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9496% | 3,328 |
| Cost of funding earning assets | 1.3731% | 1,355 |
| Net interest margin | 3.5765% | 4,864 |
| Noninterest income to average assets | 2.5164% | 263 |
| Noninterest expense to average assets | 4.2503% | 751 |
| Loan and lease loss provision to assets | 1.1905% | 660 |
| Net operating income to assets | 0.1734% | 5,767 |
| Return on assets (ROA) | 0.0415% | 6,185 |
| Pretax return on assets | 0.1008% | 6,091 |
| Return on Equity (ROE) | 0.5623% | 6,161 |
| Retained earnings to average equity (ytd only) | 0.5623% | 5,788 |
| Net charge-offs to loans | 1.8146% | 732 |
| Credit loss provision to net charge-offs | 92.1936% | 3,701 |
| Earnings coverage of net charge-offs (x) | 1.1595% | 4,752 |
| Efficiency ratio | 73.9485% | 3,191 |
| Assets per employee ($millions) | 4.0343% | 3,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2638% | 1,748 |
| Loan loss allowance to noncurrent loans | 44.5318% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 4.8919% | 1,186 |
| Noncurrent loans to loans | 5.0836% | 1,214 |
| Net loans and leases to total assets | 69.6368% | 2,152 |
| Net loans and leases to deposits | 92.6767% | 947 |
| Net loans and leases to core deposits | 98.6384% | 1,376 |
| Total domestic deposits to total assets | 75.1395% | 6,625 |
| Equity capital to assets | 7.6336% | 6,878 |
| Core capital (leverage) ratio | 8.1569% | 6,189 |
| Tier 1 risk-based capital ratio | 10.8035% | 6,660 |
| Total risk-based capital ratio | 13.5702% | 5,635 |
| Memoranda: | ||
| Average total assets | $876,902,500 | 751 |
| Average earning assets | $792,261,500 | 754 |
| Average equity | $64,732,750 | 1,045 |
| Average total loans | $624,050,750 | 671 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9286% | 3,496 |
| Cost of funding earning assets | 1.4408% | 1,227 |
| Net interest margin | 3.4878% | 5,216 |
| Noninterest income to average assets | 0.3997% | 4,686 |
| Noninterest expense to average assets | 2.6520% | 4,998 |
| Loan and lease loss provision to assets | 2.0933% | 285 |
| Net operating income to assets | -0.8040% | 6,873 |
| Return on assets (ROA) | -0.9679% | 6,940 |
| Pretax return on assets | -1.4658% | 7,054 |
| Return on Equity (ROE) | -15.7534% | 7,079 |
| Retained earnings to average equity (ytd only) | -15.7534% | 7,054 |
| Net charge-offs to loans | 3.0492% | 334 |
| Credit loss provision to net charge-offs | 98.1162% | 3,216 |
| Earnings coverage of net charge-offs (x) | 0.4105% | 4,995 |
| Efficiency ratio | 75.1741% | 3,153 |
| Assets per employee ($millions) | 7.0422% | 709 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5972% | 1,316 |
| Loan loss allowance to noncurrent loans | 51.4276% | 4,934 |
| Noncurrent assets plus other real estate owned to assets | 5.5139% | 1,072 |
| Noncurrent loans to loans | 5.0502% | 1,291 |
| Net loans and leases to total assets | 65.9940% | 3,032 |
| Net loans and leases to deposits | 82.2773% | 2,412 |
| Net loans and leases to core deposits | 85.0045% | 3,074 |
| Total domestic deposits to total assets | 80.2092% | 5,766 |
| Equity capital to assets | 6.0450% | 7,237 |
| Core capital (leverage) ratio | 6.4393% | 7,135 |
| Tier 1 risk-based capital ratio | 8.3749% | 7,224 |
| Total risk-based capital ratio | 11.7360% | 6,793 |
| Memoranda: | ||
| Average total assets | $358,291,670 | 1,828 |
| Average earning assets | $321,347,670 | 1,854 |
| Average equity | $22,014,330 | 2,877 |
| Average total loans | $250,686,670 | 1,706 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9578% | 3,299 |
| Cost of funding earning assets | 1.5190% | 1,096 |
| Net interest margin | 3.4388% | 5,270 |
| Noninterest income to average assets | 0.3000% | 5,520 |
| Noninterest expense to average assets | 2.5347% | 5,433 |
| Loan and lease loss provision to assets | 1.4943% | 431 |
| Net operating income to assets | -0.4236% | 6,755 |
| Return on assets (ROA) | -0.6121% | 6,877 |
| Pretax return on assets | -0.9275% | 6,974 |
| Return on Equity (ROE) | -9.8843% | 7,027 |
| Retained earnings to average equity (ytd only) | -9.8843% | 6,865 |
| Net charge-offs to loans | 3.2888% | 313 |
| Credit loss provision to net charge-offs | 63.9507% | 3,468 |
| Earnings coverage of net charge-offs (x) | 0.3648% | 4,340 |
| Efficiency ratio | 74.8366% | 3,356 |
| Assets per employee ($millions) | 7.2592% | 648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2179% | 1,920 |
| Loan loss allowance to noncurrent loans | 35.8459% | 5,911 |
| Noncurrent assets plus other real estate owned to assets | 6.3733% | 881 |
| Noncurrent loans to loans | 6.1873% | 1,008 |
| Net loans and leases to total assets | 68.2572% | 2,495 |
| Net loans and leases to deposits | 85.2324% | 1,844 |
| Net loans and leases to core deposits | 88.0313% | 2,595 |
| Total domestic deposits to total assets | 80.0837% | 5,927 |
| Equity capital to assets | 6.3303% | 7,246 |
| Core capital (leverage) ratio | 6.7203% | 7,108 |
| Tier 1 risk-based capital ratio | 8.4992% | 7,261 |
| Total risk-based capital ratio | 11.8094% | 6,767 |
| Memoranda: | ||
| Average total assets | $361,383,500 | 1,822 |
| Average earning assets | $324,415,000 | 1,849 |
| Average equity | $22,379,000 | 2,819 |
| Average total loans | $256,747,000 | 1,685 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0578% | 4,291 |
| Cost of funding earning assets | 1.8388% | 1,031 |
| Net interest margin | 3.2190% | 6,226 |
| Noninterest income to average assets | 0.4482% | 4,525 |
| Noninterest expense to average assets | 2.6509% | 5,214 |
| Loan and lease loss provision to assets | 4.7515% | 86 |
| Net operating income to assets | -2.6267% | 7,213 |
| Return on assets (ROA) | -2.7829% | 7,264 |
| Pretax return on assets | -4.2163% | 7,467 |
| Return on Equity (ROE) | -43.8224% | 7,385 |
| Retained earnings to average equity (ytd only) | -43.8224% | 7,379 |
| Net charge-offs to loans | 6.6748% | 71 |
| Credit loss provision to net charge-offs | 97.8686% | 4,734 |
| Earnings coverage of net charge-offs (x) | 0.1590% | 5,953 |
| Efficiency ratio | 77.4501% | 2,797 |
| Assets per employee ($millions) | 6.9257% | 770 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3636% | 1,602 |
| Loan loss allowance to noncurrent loans | 29.5563% | 6,319 |
| Noncurrent assets plus other real estate owned to assets | 7.1734% | 748 |
| Noncurrent loans to loans | 7.9968% | 649 |
| Net loans and leases to total assets | 70.5397% | 2,405 |
| Net loans and leases to deposits | 87.4044% | 1,880 |
| Net loans and leases to core deposits | 93.2428% | 2,350 |
| Total domestic deposits to total assets | 80.7050% | 5,621 |
| Equity capital to assets | 6.0592% | 7,336 |
| Core capital (leverage) ratio | 6.3532% | 7,229 |
| Tier 1 risk-based capital ratio | 8.2399% | 7,334 |
| Total risk-based capital ratio | 11.8240% | 6,626 |
| Memoranda: | ||
| Average total assets | $431,966,400 | 1,546 |
| Average earning assets | $399,163,400 | 1,521 |
| Average equity | $27,431,200 | 2,346 |
| Average total loans | $314,196,200 | 1,425 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1131% | 4,249 |
| Cost of funding earning assets | 1.9033% | 1,018 |
| Net interest margin | 3.2099% | 6,306 |
| Noninterest income to average assets | 0.3644% | 5,241 |
| Noninterest expense to average assets | 2.5488% | 5,527 |
| Loan and lease loss provision to assets | 4.5530% | 119 |
| Net operating income to assets | -2.4800% | 7,345 |
| Return on assets (ROA) | -2.5334% | 7,368 |
| Pretax return on assets | -3.8387% | 7,548 |
| Return on Equity (ROE) | -39.5227% | 7,486 |
| Retained earnings to average equity (ytd only) | -39.5227% | 7,482 |
| Net charge-offs to loans | 5.5804% | 134 |
| Credit loss provision to net charge-offs | 112.0179% | 3,778 |
| Earnings coverage of net charge-offs (x) | 0.1956% | 5,819 |
| Efficiency ratio | 76.2210% | 2,902 |
| Assets per employee ($millions) | 7.5398% | 613 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9045% | 897 |
| Loan loss allowance to noncurrent loans | 75.0314% | 3,581 |
| Noncurrent assets plus other real estate owned to assets | 3.7146% | 1,912 |
| Noncurrent loans to loans | 3.8711% | 1,965 |
| Net loans and leases to total assets | 68.6147% | 3,070 |
| Net loans and leases to deposits | 84.7834% | 2,556 |
| Net loans and leases to core deposits | 94.0031% | 2,526 |
| Total domestic deposits to total assets | 80.9293% | 5,401 |
| Equity capital to assets | 5.8932% | 7,502 |
| Core capital (leverage) ratio | 6.3138% | 7,381 |
| Tier 1 risk-based capital ratio | 8.3800% | 7,443 |
| Total risk-based capital ratio | 11.8126% | 6,717 |
| Memoranda: | ||
| Average total assets | $448,192,000 | 1,510 |
| Average earning assets | $416,041,000 | 1,479 |
| Average equity | $28,728,750 | 2,293 |
| Average total loans | $326,446,750 | 1,388 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1590% | 4,148 |
| Cost of funding earning assets | 1.9541% | 1,030 |
| Net interest margin | 3.2049% | 6,303 |
| Noninterest income to average assets | 0.3148% | 5,639 |
| Noninterest expense to average assets | 2.3279% | 6,280 |
| Loan and lease loss provision to assets | 4.7307% | 129 |
| Net operating income to assets | -2.3874% | 7,394 |
| Return on assets (ROA) | -2.2699% | 7,378 |
| Pretax return on assets | -3.5746% | 7,555 |
| Return on Equity (ROE) | -34.5927% | 7,482 |
| Retained earnings to average equity (ytd only) | -34.5927% | 7,472 |
| Net charge-offs to loans | 6.6072% | 102 |
| Credit loss provision to net charge-offs | 97.4489% | 4,197 |
| Earnings coverage of net charge-offs (x) | 0.2003% | 5,524 |
| Efficiency ratio | 70.5327% | 4,078 |
| Assets per employee ($millions) | 8.0928% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1217% | 1,921 |
| Loan loss allowance to noncurrent loans | 61.6336% | 4,242 |
| Noncurrent assets plus other real estate owned to assets | 3.3873% | 2,075 |
| Noncurrent loans to loans | 3.4424% | 2,308 |
| Net loans and leases to total assets | 66.6321% | 3,702 |
| Net loans and leases to deposits | 83.7597% | 2,913 |
| Net loans and leases to core deposits | 95.2351% | 2,552 |
| Total domestic deposits to total assets | 79.5516% | 5,873 |
| Equity capital to assets | 6.0294% | 7,536 |
| Core capital (leverage) ratio | 6.6248% | 7,343 |
| Tier 1 risk-based capital ratio | 8.9899% | 7,419 |
| Total risk-based capital ratio | 12.3420% | 6,128 |
| Memoranda: | ||
| Average total assets | $461,873,000 | 1,477 |
| Average earning assets | $430,275,670 | 1,448 |
| Average equity | $30,307,000 | 2,174 |
| Average total loans | $339,355,330 | 1,346 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3581% | 3,253 |
| Cost of funding earning assets | 1.9901% | 1,125 |
| Net interest margin | 3.3680% | 5,716 |
| Noninterest income to average assets | 0.3624% | 5,243 |
| Noninterest expense to average assets | 2.2711% | 6,478 |
| Loan and lease loss provision to assets | 2.9388% | 340 |
| Net operating income to assets | -1.0781% | 7,155 |
| Return on assets (ROA) | -1.0743% | 7,169 |
| Pretax return on assets | -1.6918% | 7,315 |
| Return on Equity (ROE) | -15.7668% | 7,335 |
| Retained earnings to average equity (ytd only) | -15.7668% | 7,238 |
| Net charge-offs to loans | 3.6708% | 377 |
| Credit loss provision to net charge-offs | 105.3033% | 3,253 |
| Earnings coverage of net charge-offs (x) | 0.4447% | 4,628 |
| Efficiency ratio | 64.6646% | 5,361 |
| Assets per employee ($millions) | 8.3661% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0247% | 2,116 |
| Loan loss allowance to noncurrent loans | 47.4907% | 5,170 |
| Noncurrent assets plus other real estate owned to assets | 4.0527% | 1,685 |
| Noncurrent loans to loans | 4.2633% | 1,789 |
| Net loans and leases to total assets | 72.4481% | 2,343 |
| Net loans and leases to deposits | 92.6304% | 1,522 |
| Net loans and leases to core deposits | 106.0005% | 1,576 |
| Total domestic deposits to total assets | 78.2121% | 6,264 |
| Equity capital to assets | 6.8215% | 7,439 |
| Core capital (leverage) ratio | 7.1785% | 7,120 |
| Tier 1 risk-based capital ratio | 8.9629% | 7,485 |
| Total risk-based capital ratio | 12.0838% | 6,291 |
| Memoranda: | ||
| Average total assets | $470,257,000 | 1,492 |
| Average earning assets | $439,781,000 | 1,449 |
| Average equity | $32,042,000 | 2,085 |
| Average total loans | $357,527,000 | 1,326 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5306% | 3,986 |
| Cost of funding earning assets | 2.2993% | 1,663 |
| Net interest margin | 3.2313% | 5,988 |
| Noninterest income to average assets | 0.4138% | 5,088 |
| Noninterest expense to average assets | 1.9483% | 7,440 |
| Loan and lease loss provision to assets | 0.9237% | 2,430 |
| Net operating income to assets | 0.3805% | 4,201 |
| Return on assets (ROA) | 0.4260% | 4,131 |
| Pretax return on assets | 0.6710% | 3,680 |
| Return on Equity (ROE) | 6.8882% | 2,833 |
| Retained earnings to average equity (ytd only) | 5.0079% | 1,813 |
| Net charge-offs to loans | 1.0153% | 2,380 |
| Credit loss provision to net charge-offs | 117.5919% | 4,610 |
| Earnings coverage of net charge-offs (x) | 1.9396% | 4,268 |
| Efficiency ratio | 56.1181% | 7,002 |
| Assets per employee ($millions) | 8.2824% | 451 |
| Cash dividends to net income (ytd only)* | 27.2975% | 3,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7916% | 2,571 |
| Loan loss allowance to noncurrent loans | 38.6809% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 4.4165% | 1,469 |
| Noncurrent loans to loans | 4.6317% | 1,517 |
| Net loans and leases to total assets | 76.6251% | 1,665 |
| Net loans and leases to deposits | 100.2839% | 877 |
| Net loans and leases to core deposits | 122.8933% | 1,721 |
| Total domestic deposits to total assets | 76.4082% | 6,603 |
| Equity capital to assets | 6.8063% | 7,461 |
| Core capital (leverage) ratio | 7.2057% | 7,065 |
| Tier 1 risk-based capital ratio | 8.4259% | 7,597 |
| Total risk-based capital ratio | 11.3877% | 6,721 |
| Memoranda: | ||
| Average total assets | $515,980,400 | 1,337 |
| Average earning assets | $488,319,800 | 1,293 |
| Average equity | $31,909,800 | 2,101 |
| Average total loans | $399,173,000 | 1,204 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5273% | 4,287 |
| Cost of funding earning assets | 2.3443% | 1,832 |
| Net interest margin | 3.1830% | 6,079 |
| Noninterest income to average assets | 0.4298% | 5,051 |
| Noninterest expense to average assets | 1.9377% | 7,483 |
| Loan and lease loss provision to assets | 0.6358% | 2,848 |
| Net operating income to assets | 0.5555% | 3,764 |
| Return on assets (ROA) | 0.5555% | 3,855 |
| Pretax return on assets | 0.8748% | 3,300 |
| Return on Equity (ROE) | 9.1947% | 2,190 |
| Retained earnings to average equity (ytd only) | 6.6721% | 1,644 |
| Net charge-offs to loans | 0.6633% | 2,703 |
| Credit loss provision to net charge-offs | 124.1567% | 4,062 |
| Earnings coverage of net charge-offs (x) | 2.9499% | 3,755 |
| Efficiency ratio | 56.1915% | 6,971 |
| Assets per employee ($millions) | 8.7059% | 400 |
| Cash dividends to net income (ytd only)* | 27.4348% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6769% | 2,711 |
| Loan loss allowance to noncurrent loans | 68.2334% | 3,893 |
| Noncurrent assets plus other real estate owned to assets | 2.3005% | 2,978 |
| Noncurrent loans to loans | 2.4577% | 3,062 |
| Net loans and leases to total assets | 76.6699% | 1,853 |
| Net loans and leases to deposits | 99.8143% | 1,120 |
| Net loans and leases to core deposits | 128.1311% | 1,572 |
| Total domestic deposits to total assets | 76.8126% | 6,388 |
| Equity capital to assets | 6.6160% | 7,735 |
| Core capital (leverage) ratio | 6.8479% | 7,522 |
| Tier 1 risk-based capital ratio | 8.2777% | 7,758 |
| Total risk-based capital ratio | 11.2266% | 6,959 |
| Memoranda: | ||
| Average total assets | $524,881,000 | 1,325 |
| Average earning assets | $497,758,000 | 1,277 |
| Average equity | $31,713,250 | 2,133 |
| Average total loans | $405,265,000 | 1,204 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5166% | 4,531 |
| Cost of funding earning assets | 2.4075% | 1,940 |
| Net interest margin | 3.1091% | 6,204 |
| Noninterest income to average assets | 0.4371% | 4,964 |
| Noninterest expense to average assets | 1.9254% | 7,593 |
| Loan and lease loss provision to assets | 0.5565% | 2,793 |
| Net operating income to assets | 0.5729% | 3,800 |
| Return on assets (ROA) | 0.5729% | 3,905 |
| Pretax return on assets | 0.9019% | 3,329 |
| Return on Equity (ROE) | 9.7701% | 2,103 |
| Retained earnings to average equity (ytd only) | 7.8556% | 1,256 |
| Net charge-offs to loans | 0.5158% | 2,781 |
| Credit loss provision to net charge-offs | 140.1508% | 3,333 |
| Earnings coverage of net charge-offs (x) | 3.6730% | 3,347 |
| Efficiency ratio | 56.9011% | 7,005 |
| Assets per employee ($millions) | 8.7925% | 376 |
| Cash dividends to net income (ytd only)* | 19.5950% | 3,171 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5900% | 2,785 |
| Loan loss allowance to noncurrent loans | 72.2572% | 3,830 |
| Noncurrent assets plus other real estate owned to assets | 1.9268% | 3,308 |
| Noncurrent loans to loans | 2.2005% | 3,254 |
| Net loans and leases to total assets | 74.1767% | 2,661 |
| Net loans and leases to deposits | 100.9231% | 1,179 |
| Net loans and leases to core deposits | 134.1307% | 1,311 |
| Total domestic deposits to total assets | 73.4983% | 7,039 |
| Equity capital to assets | 5.9999% | 7,931 |
| Core capital (leverage) ratio | 6.6180% | 7,734 |
| Tier 1 risk-based capital ratio | 7.9571% | 7,919 |
| Total risk-based capital ratio | 10.8732% | 7,251 |
| Memoranda: | ||
| Average total assets | $534,428,330 | 1,315 |
| Average earning assets | $506,509,330 | 1,271 |
| Average equity | $31,340,670 | 2,159 |
| Average total loans | $411,368,330 | 1,221 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5662% | 4,540 |
| Cost of funding earning assets | 2.4926% | 1,943 |
| Net interest margin | 3.0736% | 6,277 |
| Noninterest income to average assets | 0.3562% | 5,594 |
| Noninterest expense to average assets | 1.8100% | 7,689 |
| Loan and lease loss provision to assets | 0.5706% | 2,202 |
| Net operating income to assets | 0.5616% | 4,178 |
| Return on assets (ROA) | 0.5616% | 4,362 |
| Pretax return on assets | 0.8833% | 3,777 |
| Return on Equity (ROE) | 9.6892% | 2,450 |
| Retained earnings to average equity (ytd only) | 5.8084% | 2,723 |
| Net charge-offs to loans | 0.2343% | 3,236 |
| Credit loss provision to net charge-offs | 313.1687% | 1,561 |
| Earnings coverage of net charge-offs (x) | 7.9794% | 2,257 |
| Efficiency ratio | 55.4560% | 7,039 |
| Assets per employee ($millions) | 9.3128% | 328 |
| Cash dividends to net income (ytd only)* | 40.0534% | 2,067 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5793% | 2,605 |
| Loan loss allowance to noncurrent loans | 69.3691% | 4,121 |
| Noncurrent assets plus other real estate owned to assets | 2.1073% | 2,740 |
| Noncurrent loans to loans | 2.2766% | 2,890 |
| Net loans and leases to total assets | 76.5471% | 2,148 |
| Net loans and leases to deposits | 108.3754% | 706 |
| Net loans and leases to core deposits | 143.0683% | 967 |
| Total domestic deposits to total assets | 70.6314% | 7,373 |
| Equity capital to assets | 5.9115% | 8,011 |
| Core capital (leverage) ratio | 6.4214% | 7,907 |
| Tier 1 risk-based capital ratio | 7.5885% | 8,046 |
| Total risk-based capital ratio | 10.6131% | 7,498 |
| Memoranda: | ||
| Average total assets | $533,471,500 | 1,326 |
| Average earning assets | $504,693,000 | 1,281 |
| Average equity | $30,921,000 | 2,198 |
| Average total loans | $414,918,000 | 1,221 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1827% | 4,600 |
| Cost of funding earning assets | 3.1270% | 1,431 |
| Net interest margin | 3.0557% | 6,773 |
| Noninterest income to average assets | 0.3550% | 5,890 |
| Noninterest expense to average assets | 1.7399% | 7,823 |
| Loan and lease loss provision to assets | 0.5265% | 2,709 |
| Net operating income to assets | 0.6303% | 4,188 |
| Return on assets (ROA) | 0.6953% | 3,745 |
| Pretax return on assets | 1.0951% | 3,043 |
| Return on Equity (ROE) | 12.1458% | 1,557 |
| Retained earnings to average equity (ytd only) | 12.1458% | 219 |
| Net charge-offs to loans | 0.3386% | 3,139 |
| Credit loss provision to net charge-offs | 195.4023% | 2,511 |
| Earnings coverage of net charge-offs (x) | 5.6408% | 3,575 |
| Efficiency ratio | 53.3729% | 7,341 |
| Assets per employee ($millions) | 9.0867% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4394% | 2,975 |
| Loan loss allowance to noncurrent loans | 75.4399% | 4,302 |
| Noncurrent assets plus other real estate owned to assets | 1.7231% | 2,821 |
| Noncurrent loans to loans | 1.9080% | 2,886 |
| Net loans and leases to total assets | 76.6591% | 2,458 |
| Net loans and leases to deposits | 120.1791% | 385 |
| Net loans and leases to core deposits | 152.3717% | 771 |
| Total domestic deposits to total assets | 63.7874% | 7,804 |
| Equity capital to assets | 5.6820% | 8,111 |
| Core capital (leverage) ratio | 6.2901% | 7,993 |
| Tier 1 risk-based capital ratio | 8.1097% | 8,064 |
| Total risk-based capital ratio | 11.2812% | 6,581 |
| Memoranda: | ||
| Average total assets | $516,574,400 | 1,304 |
| Average earning assets | $491,079,800 | 1,253 |
| Average equity | $29,574,000 | 2,286 |
| Average total loans | $411,096,400 | 1,170 |