Home > Empire National Bank > Performance and Condition Ratios
Empire National Bank, Performance and Condition Ratios
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6265% | 3,960 |
| Cost of funding earning assets | 0.6172% | 2,508 |
| Net interest margin | 3.0094% | 3,951 |
| Noninterest income to average assets | 0.1692% | 4,456 |
| Noninterest expense to average assets | 1.9396% | 4,269 |
| Loan and lease loss provision to assets | 0.2863% | 1,409 |
| Net operating income to assets | 0.6531% | 3,618 |
| Return on assets (ROA) | 0.6556% | 3,712 |
| Pretax return on assets | 0.8097% | 3,621 |
| Return on Equity (ROE) | 6.4934% | 3,372 |
| Retained earnings to average equity (ytd only) | 6.4934% | 1,886 |
| Net charge-offs to loans | 0.1195% | 1,170 |
| Credit loss provision to net charge-offs | 347.2995% | 1,618 |
| Earnings coverage of net charge-offs (x) | 13.2570% | 2,207 |
| Efficiency ratio | 63.9600% | 2,738 |
| Assets per employee ($millions) | 15.0961% | 159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1575% | 2,900 |
| Loan loss allowance to noncurrent loans | 322.6639% | 1,545 |
| Noncurrent assets plus other real estate owned to assets | 0.2650% | 3,117 |
| Noncurrent loans to loans | 0.3587% | 3,001 |
| Net loans and leases to total assets | 73.0065% | 1,500 |
| Net loans and leases to deposits | 83.7263% | 1,935 |
| Net loans and leases to core deposits | 83.9856% | 2,477 |
| Total domestic deposits to total assets | 87.1967% | 1,578 |
| Equity capital to assets | 11.1532% | 2,280 |
| Core capital (leverage) ratio | 10.1041% | 2,614 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $988,156,250 | 878 |
| Average earning assets | $940,190,750 | 854 |
| Average equity | $99,770,000 | 958 |
| Average total loans | $681,522,500 | 882 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6816% | 4,122 |
| Cost of funding earning assets | 0.7273% | 2,255 |
| Net interest margin | 2.9543% | 4,220 |
| Noninterest income to average assets | 0.1795% | 4,387 |
| Noninterest expense to average assets | 2.0166% | 4,201 |
| Loan and lease loss provision to assets | 0.2418% | 1,738 |
| Net operating income to assets | 0.5903% | 3,773 |
| Return on assets (ROA) | 0.5927% | 3,844 |
| Pretax return on assets | 0.7376% | 3,777 |
| Return on Equity (ROE) | 6.0633% | 3,483 |
| Retained earnings to average equity (ytd only) | 6.0633% | 2,050 |
| Net charge-offs to loans | 0.1543% | 954 |
| Credit loss provision to net charge-offs | 232.3194% | 1,798 |
| Earnings coverage of net charge-offs (x) | 9.3802% | 2,224 |
| Efficiency ratio | 67.3764% | 2,324 |
| Assets per employee ($millions) | 16.7023% | 124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 3,517 |
| Loan loss allowance to noncurrent loans | 253.7936% | 1,784 |
| Noncurrent assets plus other real estate owned to assets | 0.2643% | 3,260 |
| Noncurrent loans to loans | 0.3988% | 2,977 |
| Net loans and leases to total assets | 65.5974% | 2,685 |
| Net loans and leases to deposits | 73.7812% | 3,096 |
| Net loans and leases to core deposits | 74.0318% | 3,458 |
| Total domestic deposits to total assets | 88.9080% | 783 |
| Equity capital to assets | 9.6227% | 3,550 |
| Core capital (leverage) ratio | 9.5388% | 3,305 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $1,010,587,000 | 840 |
| Average earning assets | $962,464,667 | 819 |
| Average equity | $98,791,333 | 955 |
| Average total loans | $681,975,333 | 869 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8492% | 4,132 |
| Cost of funding earning assets | 1.0594% | 1,185 |
| Net interest margin | 2.7898% | 4,577 |
| Noninterest income to average assets | 0.2000% | 4,357 |
| Noninterest expense to average assets | 2.2668% | 3,842 |
| Loan and lease loss provision to assets | 0.2514% | 1,234 |
| Net operating income to assets | 0.2747% | 4,402 |
| Return on assets (ROA) | 0.2797% | 4,407 |
| Pretax return on assets | 0.3423% | 4,392 |
| Return on Equity (ROE) | 2.8372% | 4,254 |
| Retained earnings to average equity (ytd only) | 2.8372% | 3,145 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4138% | 1,199 |
| Assets per employee ($millions) | 14.0979% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0425% | 3,480 |
| Loan loss allowance to noncurrent loans | 158.6552% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.4398% | 2,704 |
| Noncurrent loans to loans | 0.6571% | 2,349 |
| Net loans and leases to total assets | 66.2309% | 2,792 |
| Net loans and leases to deposits | 74.7752% | 3,190 |
| Net loans and leases to core deposits | 75.0421% | 3,569 |
| Total domestic deposits to total assets | 88.5733% | 850 |
| Equity capital to assets | 9.9191% | 3,866 |
| Core capital (leverage) ratio | 9.1738% | 4,302 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 16.5249% | 1,461 |
| Memoranda: | ||
| Average total assets | $989,757,000 | 831 |
| Average earning assets | $941,700,500 | 804 |
| Average equity | $97,559,500 | 962 |
| Average total loans | $674,310,500 | 857 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9611% | 4,331 |
| Cost of funding earning assets | 1.2538% | 880 |
| Net interest margin | 2.7072% | 4,835 |
| Noninterest income to average assets | 0.1921% | 4,513 |
| Noninterest expense to average assets | 2.1320% | 4,306 |
| Loan and lease loss provision to assets | 0.0166% | 3,688 |
| Net operating income to assets | 0.5088% | 4,388 |
| Return on assets (ROA) | 0.5159% | 4,421 |
| Pretax return on assets | 0.6345% | 4,362 |
| Return on Equity (ROE) | 5.7675% | 3,985 |
| Retained earnings to average equity (ytd only) | 5.7675% | 1,994 |
| Net charge-offs to loans | 0.0398% | 2,589 |
| Credit loss provision to net charge-offs | 62.4535% | 3,011 |
| Earnings coverage of net charge-offs (x) | 24.1747% | 1,786 |
| Efficiency ratio | 76.8494% | 1,284 |
| Assets per employee ($millions) | 13.4049% | 170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9374% | 3,800 |
| Loan loss allowance to noncurrent loans | 191.6265% | 2,162 |
| Noncurrent assets plus other real estate owned to assets | 0.3393% | 3,057 |
| Noncurrent loans to loans | 0.4892% | 2,721 |
| Net loans and leases to total assets | 68.7065% | 2,580 |
| Net loans and leases to deposits | 77.6151% | 3,047 |
| Net loans and leases to core deposits | 79.2819% | 3,358 |
| Total domestic deposits to total assets | 88.5221% | 875 |
| Equity capital to assets | 9.7933% | 4,107 |
| Core capital (leverage) ratio | 9.5061% | 4,056 |
| Tier 1 risk-based capital ratio | 14.5958% | 2,966 |
| Total risk-based capital ratio | 15.5662% | 3,023 |
| Memoranda: | ||
| Average total assets | $1,012,529,600 | 773 |
| Average earning assets | $965,746,800 | 745 |
| Average equity | $90,576,200 | 970 |
| Average total loans | $675,739,200 | 831 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9500% | 4,457 |
| Cost of funding earning assets | 1.2808% | 836 |
| Net interest margin | 2.6692% | 4,960 |
| Noninterest income to average assets | 0.1937% | 4,562 |
| Noninterest expense to average assets | 2.1633% | 4,249 |
| Loan and lease loss provision to assets | 0.0219% | 3,477 |
| Net operating income to assets | 0.4457% | 4,631 |
| Return on assets (ROA) | 0.4539% | 4,652 |
| Pretax return on assets | 0.5666% | 4,597 |
| Return on Equity (ROE) | 5.1921% | 4,279 |
| Retained earnings to average equity (ytd only) | 5.1921% | 2,801 |
| Net charge-offs to loans | 0.0508% | 2,104 |
| Credit loss provision to net charge-offs | 65.3696% | 2,666 |
| Earnings coverage of net charge-offs (x) | 17.2295% | 2,102 |
| Efficiency ratio | 78.9083% | 1,029 |
| Assets per employee ($millions) | 13.6829% | 153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9509% | 3,828 |
| Loan loss allowance to noncurrent loans | 191.4689% | 2,165 |
| Noncurrent assets plus other real estate owned to assets | 0.3288% | 3,229 |
| Noncurrent loans to loans | 0.4966% | 2,807 |
| Net loans and leases to total assets | 65.5745% | 3,107 |
| Net loans and leases to deposits | 73.5836% | 3,512 |
| Net loans and leases to core deposits | 76.1717% | 3,688 |
| Total domestic deposits to total assets | 89.1156% | 575 |
| Equity capital to assets | 9.2507% | 4,629 |
| Core capital (leverage) ratio | 9.1796% | 4,497 |
| Tier 1 risk-based capital ratio | 14.4348% | 3,114 |
| Total risk-based capital ratio | 15.4162% | 3,148 |
| Memoranda: | ||
| Average total assets | $1,021,021,750 | 770 |
| Average earning assets | $974,592,000 | 744 |
| Average equity | $89,262,000 | 983 |
| Average total loans | $674,999,750 | 836 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9508% | 4,481 |
| Cost of funding earning assets | 1.2732% | 811 |
| Net interest margin | 2.6776% | 5,021 |
| Noninterest income to average assets | 0.1977% | 4,576 |
| Noninterest expense to average assets | 2.1984% | 4,228 |
| Loan and lease loss provision to assets | 0.0328% | 3,175 |
| Net operating income to assets | 0.4215% | 4,695 |
| Return on assets (ROA) | 0.4215% | 4,720 |
| Pretax return on assets | 0.5251% | 4,660 |
| Return on Equity (ROE) | 4.9161% | 4,368 |
| Retained earnings to average equity (ytd only) | 4.9161% | 2,818 |
| Net charge-offs to loans | 0.0219% | 2,410 |
| Credit loss provision to net charge-offs | 227.0270% | 1,106 |
| Earnings coverage of net charge-offs (x) | 38.5946% | 1,272 |
| Efficiency ratio | 79.7590% | 982 |
| Assets per employee ($millions) | 13.8268% | 136 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9632% | 3,813 |
| Loan loss allowance to noncurrent loans | 284.4685% | 1,652 |
| Noncurrent assets plus other real estate owned to assets | 0.2223% | 3,684 |
| Noncurrent loans to loans | 0.3386% | 3,328 |
| Net loans and leases to total assets | 65.0158% | 3,236 |
| Net loans and leases to deposits | 72.6481% | 3,625 |
| Net loans and leases to core deposits | 74.3760% | 3,869 |
| Total domestic deposits to total assets | 89.4941% | 478 |
| Equity capital to assets | 8.8028% | 4,900 |
| Core capital (leverage) ratio | 8.8972% | 4,716 |
| Tier 1 risk-based capital ratio | 13.6052% | 3,526 |
| Total risk-based capital ratio | 14.5724% | 3,577 |
| Memoranda: | ||
| Average total assets | $1,023,851,330 | 767 |
| Average earning assets | $978,321,330 | 740 |
| Average equity | $87,794,000 | 992 |
| Average total loans | $676,554,000 | 835 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9371% | 4,492 |
| Cost of funding earning assets | 1.2458% | 779 |
| Net interest margin | 2.6913% | 5,072 |
| Noninterest income to average assets | 0.1707% | 4,717 |
| Noninterest expense to average assets | 2.2283% | 4,193 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4152% | 4,699 |
| Return on assets (ROA) | 0.4152% | 4,712 |
| Pretax return on assets | 0.5171% | 4,644 |
| Return on Equity (ROE) | 4.9089% | 4,344 |
| Retained earnings to average equity (ytd only) | 4.9089% | 2,947 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.1659% | 955 |
| Assets per employee ($millions) | 13.7677% | 137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9570% | 3,944 |
| Loan loss allowance to noncurrent loans | 267.2870% | 1,733 |
| Noncurrent assets plus other real estate owned to assets | 0.2311% | 3,696 |
| Noncurrent loans to loans | 0.3581% | 3,296 |
| Net loans and leases to total assets | 63.9231% | 3,293 |
| Net loans and leases to deposits | 71.1165% | 3,678 |
| Net loans and leases to core deposits | 72.1232% | 3,936 |
| Total domestic deposits to total assets | 89.8851% | 494 |
| Equity capital to assets | 8.4807% | 4,996 |
| Core capital (leverage) ratio | 8.8058% | 4,788 |
| Tier 1 risk-based capital ratio | 13.1568% | 3,798 |
| Total risk-based capital ratio | 14.0916% | 3,857 |
| Memoranda: | ||
| Average total assets | $1,017,273,500 | 772 |
| Average earning assets | $973,208,000 | 745 |
| Average equity | $86,048,000 | 1,000 |
| Average total loans | $674,443,500 | 840 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8278% | 4,426 |
| Cost of funding earning assets | 0.9616% | 877 |
| Net interest margin | 2.8662% | 4,954 |
| Noninterest income to average assets | 0.1859% | 4,798 |
| Noninterest expense to average assets | 2.2929% | 4,137 |
| Loan and lease loss provision to assets | 0.0712% | 2,710 |
| Net operating income to assets | 0.4687% | 4,728 |
| Return on assets (ROA) | 0.4644% | 4,736 |
| Pretax return on assets | 0.5655% | 4,695 |
| Return on Equity (ROE) | 5.6714% | 4,271 |
| Retained earnings to average equity (ytd only) | 5.6714% | 2,371 |
| Net charge-offs to loans | 0.0158% | 3,157 |
| Credit loss provision to net charge-offs | 725.5319% | 489 |
| Earnings coverage of net charge-offs (x) | 65.4362% | 972 |
| Efficiency ratio | 78.1298% | 1,115 |
| Assets per employee ($millions) | 12.8338% | 168 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9595% | 3,917 |
| Loan loss allowance to noncurrent loans | 169.8108% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 0.3851% | 3,018 |
| Noncurrent loans to loans | 0.5651% | 2,574 |
| Net loans and leases to total assets | 67.5069% | 2,943 |
| Net loans and leases to deposits | 74.4708% | 3,462 |
| Net loans and leases to core deposits | 74.6868% | 3,807 |
| Total domestic deposits to total assets | 90.6488% | 282 |
| Equity capital to assets | 8.4354% | 4,974 |
| Core capital (leverage) ratio | 8.9270% | 4,717 |
| Tier 1 risk-based capital ratio | 13.2045% | 3,722 |
| Total risk-based capital ratio | 14.1546% | 3,790 |
| Memoranda: | ||
| Average total assets | $958,350,800 | 797 |
| Average earning assets | $919,097,400 | 763 |
| Average equity | $78,481,000 | 1,047 |
| Average total loans | $593,490,000 | 907 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7580% | 4,536 |
| Cost of funding earning assets | 0.8878% | 969 |
| Net interest margin | 2.8702% | 5,014 |
| Noninterest income to average assets | 0.1917% | 4,828 |
| Noninterest expense to average assets | 2.3092% | 4,073 |
| Loan and lease loss provision to assets | 0.0634% | 2,707 |
| Net operating income to assets | 0.4718% | 4,815 |
| Return on assets (ROA) | 0.4718% | 4,820 |
| Pretax return on assets | 0.5707% | 4,780 |
| Return on Equity (ROE) | 5.8070% | 4,319 |
| Retained earnings to average equity (ytd only) | 5.8070% | 2,754 |
| Net charge-offs to loans | 0.0232% | 2,671 |
| Credit loss provision to net charge-offs | 452.0000% | 753 |
| Earnings coverage of net charge-offs (x) | 45.2200% | 1,249 |
| Efficiency ratio | 78.4574% | 1,075 |
| Assets per employee ($millions) | 12.3170% | 179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 3,910 |
| Loan loss allowance to noncurrent loans | 159.2176% | 2,641 |
| Noncurrent assets plus other real estate owned to assets | 0.3969% | 3,098 |
| Noncurrent loans to loans | 0.6134% | 2,550 |
| Net loans and leases to total assets | 64.0709% | 3,416 |
| Net loans and leases to deposits | 69.8873% | 3,924 |
| Net loans and leases to core deposits | 70.1078% | 4,186 |
| Total domestic deposits to total assets | 91.6776% | 112 |
| Equity capital to assets | 7.7695% | 5,248 |
| Core capital (leverage) ratio | 8.8684% | 4,832 |
| Tier 1 risk-based capital ratio | 13.5251% | 3,613 |
| Total risk-based capital ratio | 14.4772% | 3,682 |
| Memoranda: | ||
| Average total assets | $950,887,750 | 802 |
| Average earning assets | $911,586,250 | 770 |
| Average equity | $77,261,500 | 1,059 |
| Average total loans | $573,470,500 | 938 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6849% | 4,621 |
| Cost of funding earning assets | 0.8000% | 1,127 |
| Net interest margin | 2.8849% | 5,032 |
| Noninterest income to average assets | 0.1982% | 4,829 |
| Noninterest expense to average assets | 2.4020% | 3,894 |
| Loan and lease loss provision to assets | 0.0483% | 2,945 |
| Net operating income to assets | 0.4262% | 4,911 |
| Return on assets (ROA) | 0.4262% | 4,917 |
| Pretax return on assets | 0.5135% | 4,880 |
| Return on Equity (ROE) | 5.1667% | 4,502 |
| Retained earnings to average equity (ytd only) | 5.1667% | 2,992 |
| Net charge-offs to loans | 0.0322% | 2,207 |
| Credit loss provision to net charge-offs | 255.0562% | 1,120 |
| Earnings coverage of net charge-offs (x) | 29.6517% | 1,513 |
| Efficiency ratio | 81.0430% | 914 |
| Assets per employee ($millions) | 12.9500% | 151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0045% | 3,813 |
| Loan loss allowance to noncurrent loans | 106.3683% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.5820% | 2,485 |
| Noncurrent loans to loans | 0.9443% | 1,842 |
| Net loans and leases to total assets | 61.0163% | 3,712 |
| Net loans and leases to deposits | 66.6709% | 4,128 |
| Net loans and leases to core deposits | 66.9197% | 4,316 |
| Total domestic deposits to total assets | 91.5186% | 148 |
| Equity capital to assets | 7.9484% | 5,239 |
| Core capital (leverage) ratio | 8.9686% | 4,716 |
| Tier 1 risk-based capital ratio | 14.3588% | 3,176 |
| Total risk-based capital ratio | 15.3525% | 3,231 |
| Memoranda: | ||
| Average total assets | $939,396,670 | 813 |
| Average earning assets | $900,544,330 | 775 |
| Average equity | $77,496,000 | 1,050 |
| Average total loans | $552,108,330 | 958 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6516% | 4,589 |
| Cost of funding earning assets | 0.7445% | 1,214 |
| Net interest margin | 2.9071% | 5,017 |
| Noninterest income to average assets | 0.1871% | 4,904 |
| Noninterest expense to average assets | 2.4988% | 3,647 |
| Loan and lease loss provision to assets | 0.0983% | 1,878 |
| Net operating income to assets | 0.3249% | 5,060 |
| Return on assets (ROA) | 0.3249% | 5,064 |
| Pretax return on assets | 0.3755% | 5,066 |
| Return on Equity (ROE) | 3.8638% | 4,797 |
| Retained earnings to average equity (ytd only) | 3.8638% | 3,647 |
| Net charge-offs to loans | 0.0083% | 2,435 |
| Credit loss provision to net charge-offs | 2,063.6364% | 184 |
| Earnings coverage of net charge-offs (x) | 99.4545% | 612 |
| Efficiency ratio | 84.0594% | 791 |
| Assets per employee ($millions) | 12.7966% | 163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1318% | 3,198 |
| Loan loss allowance to noncurrent loans | 104.3873% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.6162% | 2,464 |
| Noncurrent loans to loans | 1.0843% | 1,692 |
| Net loans and leases to total assets | 56.1866% | 4,106 |
| Net loans and leases to deposits | 61.5534% | 4,368 |
| Net loans and leases to core deposits | 77.4665% | 3,538 |
| Total domestic deposits to total assets | 91.2811% | 231 |
| Equity capital to assets | 8.1980% | 5,178 |
| Core capital (leverage) ratio | 8.7999% | 4,892 |
| Tier 1 risk-based capital ratio | 15.4217% | 2,689 |
| Total risk-based capital ratio | 16.5200% | 2,693 |
| Memoranda: | ||
| Average total assets | $923,469,000 | 831 |
| Average earning assets | $884,882,000 | 794 |
| Average equity | $77,644,500 | 1,056 |
| Average total loans | $528,845,000 | 993 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6634% | 4,424 |
| Cost of funding earning assets | 0.4719% | 2,587 |
| Net interest margin | 3.1915% | 4,466 |
| Noninterest income to average assets | 0.1763% | 5,075 |
| Noninterest expense to average assets | 2.3127% | 4,292 |
| Loan and lease loss provision to assets | 0.0768% | 2,664 |
| Net operating income to assets | 0.3896% | 4,731 |
| Return on assets (ROA) | 0.2677% | 5,007 |
| Pretax return on assets | 0.6762% | 4,569 |
| Return on Equity (ROE) | 2.9146% | 4,852 |
| Retained earnings to average equity (ytd only) | 2.9146% | 3,562 |
| Net charge-offs to loans | 0.1136% | 1,921 |
| Credit loss provision to net charge-offs | 113.3803% | 2,305 |
| Earnings coverage of net charge-offs (x) | 13.9225% | 2,363 |
| Efficiency ratio | 71.0255% | 2,395 |
| Assets per employee ($millions) | 12.3286% | 169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1308% | 3,184 |
| Loan loss allowance to noncurrent loans | 99.0391% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.6591% | 2,346 |
| Noncurrent loans to loans | 1.1418% | 1,556 |
| Net loans and leases to total assets | 57.0746% | 4,104 |
| Net loans and leases to deposits | 62.8572% | 4,383 |
| Net loans and leases to core deposits | 77.9555% | 3,587 |
| Total domestic deposits to total assets | 90.8004% | 297 |
| Equity capital to assets | 8.6288% | 5,009 |
| Core capital (leverage) ratio | 9.0561% | 4,578 |
| Tier 1 risk-based capital ratio | 14.9313% | 2,876 |
| Total risk-based capital ratio | 16.0137% | 2,887 |
| Memoranda: | ||
| Average total assets | $838,187,200 | 892 |
| Average earning assets | $808,856,200 | 851 |
| Average equity | $76,992,200 | 1,050 |
| Average total loans | $500,195,200 | 1,023 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6890% | 4,350 |
| Cost of funding earning assets | 0.4238% | 2,945 |
| Net interest margin | 3.2652% | 4,277 |
| Noninterest income to average assets | 0.1684% | 5,177 |
| Noninterest expense to average assets | 2.4004% | 4,020 |
| Loan and lease loss provision to assets | 0.0703% | 2,672 |
| Net operating income to assets | 0.5642% | 4,531 |
| Return on assets (ROA) | 0.5612% | 4,570 |
| Pretax return on assets | 0.8506% | 4,206 |
| Return on Equity (ROE) | 6.0100% | 4,121 |
| Retained earnings to average equity (ytd only) | 6.0100% | 2,231 |
| Net charge-offs to loans | 0.1483% | 1,353 |
| Credit loss provision to net charge-offs | 78.7659% | 2,605 |
| Earnings coverage of net charge-offs (x) | 10.3648% | 2,601 |
| Efficiency ratio | 72.1727% | 2,181 |
| Assets per employee ($millions) | 11.5220% | 203 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1576% | 3,161 |
| Loan loss allowance to noncurrent loans | 353.5781% | 1,396 |
| Noncurrent assets plus other real estate owned to assets | 0.1835% | 4,372 |
| Noncurrent loans to loans | 0.3274% | 3,776 |
| Net loans and leases to total assets | 55.4042% | 4,285 |
| Net loans and leases to deposits | 63.0073% | 4,443 |
| Net loans and leases to core deposits | 78.6962% | 3,570 |
| Total domestic deposits to total assets | 87.9331% | 1,406 |
| Equity capital to assets | 9.1807% | 4,741 |
| Core capital (leverage) ratio | 9.4565% | 4,218 |
| Tier 1 risk-based capital ratio | 15.7982% | 2,587 |
| Total risk-based capital ratio | 16.8931% | 2,596 |
| Memoranda: | ||
| Average total assets | $822,737,000 | 908 |
| Average earning assets | $795,606,000 | 868 |
| Average equity | $76,825,750 | 1,056 |
| Average total loans | $495,359,000 | 1,040 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6931% | 4,247 |
| Cost of funding earning assets | 0.3677% | 3,406 |
| Net interest margin | 3.3254% | 4,033 |
| Noninterest income to average assets | 0.1620% | 5,245 |
| Noninterest expense to average assets | 2.4372% | 3,950 |
| Loan and lease loss provision to assets | 0.0671% | 2,627 |
| Net operating income to assets | 0.5811% | 4,383 |
| Return on assets (ROA) | 0.5811% | 4,439 |
| Pretax return on assets | 0.8864% | 3,971 |
| Return on Equity (ROE) | 6.1848% | 3,964 |
| Retained earnings to average equity (ytd only) | 6.1848% | 2,026 |
| Net charge-offs to loans | 0.0801% | 1,822 |
| Credit loss provision to net charge-offs | 135.6784% | 1,629 |
| Earnings coverage of net charge-offs (x) | 19.2864% | 1,842 |
| Efficiency ratio | 71.8807% | 2,358 |
| Assets per employee ($millions) | 11.7865% | 185 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1858% | 3,109 |
| Loan loss allowance to noncurrent loans | 294.2356% | 1,608 |
| Noncurrent assets plus other real estate owned to assets | 0.2384% | 4,191 |
| Noncurrent loans to loans | 0.4030% | 3,586 |
| Net loans and leases to total assets | 58.4508% | 3,980 |
| Net loans and leases to deposits | 64.9618% | 4,306 |
| Net loans and leases to core deposits | 78.5375% | 3,547 |
| Total domestic deposits to total assets | 89.9772% | 546 |
| Equity capital to assets | 9.3751% | 4,542 |
| Core capital (leverage) ratio | 9.7109% | 3,886 |
| Tier 1 risk-based capital ratio | 16.2695% | 2,402 |
| Total risk-based capital ratio | 17.4473% | 2,370 |
| Memoranda: | ||
| Average total assets | $805,091,000 | 937 |
| Average earning assets | $781,668,670 | 891 |
| Average equity | $75,636,670 | 1,070 |
| Average total loans | $496,864,330 | 1,029 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6148% | 4,379 |
| Cost of funding earning assets | 0.3166% | 3,887 |
| Net interest margin | 3.2982% | 4,013 |
| Noninterest income to average assets | 0.1561% | 5,339 |
| Noninterest expense to average assets | 2.4688% | 3,909 |
| Loan and lease loss provision to assets | 0.0659% | 2,483 |
| Net operating income to assets | 0.5403% | 4,419 |
| Return on assets (ROA) | 0.5403% | 4,463 |
| Pretax return on assets | 0.8211% | 4,031 |
| Return on Equity (ROE) | 5.7445% | 4,027 |
| Retained earnings to average equity (ytd only) | 5.7445% | 2,474 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5689% | 2,305 |
| Assets per employee ($millions) | 11.2254% | 210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1827% | 3,241 |
| Loan loss allowance to noncurrent loans | 257.5586% | 1,837 |
| Noncurrent assets plus other real estate owned to assets | 0.2888% | 4,052 |
| Noncurrent loans to loans | 0.4592% | 3,455 |
| Net loans and leases to total assets | 62.1551% | 3,514 |
| Net loans and leases to deposits | 69.7215% | 3,830 |
| Net loans and leases to core deposits | 84.0510% | 2,892 |
| Total domestic deposits to total assets | 89.1478% | 1,081 |
| Equity capital to assets | 9.4318% | 4,358 |
| Core capital (leverage) ratio | 9.9642% | 3,548 |
| Tier 1 risk-based capital ratio | 15.8191% | 2,615 |
| Total risk-based capital ratio | 16.9962% | 2,589 |
| Memoranda: | ||
| Average total assets | $789,216,000 | 955 |
| Average earning assets | $765,625,500 | 912 |
| Average equity | $74,227,500 | 1,081 |
| Average total loans | $497,791,500 | 1,021 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5211% | 4,728 |
| Cost of funding earning assets | 0.3128% | 3,917 |
| Net interest margin | 3.2083% | 4,432 |
| Noninterest income to average assets | 0.1550% | 5,436 |
| Noninterest expense to average assets | 2.4625% | 4,121 |
| Loan and lease loss provision to assets | 0.0866% | 2,633 |
| Net operating income to assets | 0.4599% | 4,769 |
| Return on assets (ROA) | 0.4907% | 4,744 |
| Pretax return on assets | 0.7594% | 4,303 |
| Return on Equity (ROE) | 4.7204% | 4,558 |
| Retained earnings to average equity (ytd only) | 4.7204% | 2,537 |
| Net charge-offs to loans | 0.0214% | 3,622 |
| Credit loss provision to net charge-offs | 625.7426% | 550 |
| Earnings coverage of net charge-offs (x) | 57.6832% | 920 |
| Efficiency ratio | 75.5107% | 2,065 |
| Assets per employee ($millions) | 10.8531% | 235 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1732% | 3,284 |
| Loan loss allowance to noncurrent loans | 246.7660% | 1,917 |
| Noncurrent assets plus other real estate owned to assets | 0.3007% | 4,068 |
| Noncurrent loans to loans | 0.4754% | 3,448 |
| Net loans and leases to total assets | 62.5107% | 3,545 |
| Net loans and leases to deposits | 72.3501% | 3,675 |
| Net loans and leases to core deposits | 86.8158% | 2,782 |
| Total domestic deposits to total assets | 86.4004% | 2,414 |
| Equity capital to assets | 9.3781% | 4,400 |
| Core capital (leverage) ratio | 10.2171% | 3,205 |
| Tier 1 risk-based capital ratio | 16.2605% | 2,443 |
| Total risk-based capital ratio | 17.4619% | 2,406 |
| Memoranda: | ||
| Average total assets | $729,508,200 | 987 |
| Average earning assets | $706,258,600 | 945 |
| Average equity | $75,840,600 | 1,047 |
| Average total loans | $472,685,600 | 1,022 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5235% | 4,746 |
| Cost of funding earning assets | 0.3083% | 4,003 |
| Net interest margin | 3.2152% | 4,444 |
| Noninterest income to average assets | 0.1602% | 5,470 |
| Noninterest expense to average assets | 2.5200% | 3,925 |
| Loan and lease loss provision to assets | 0.0618% | 2,997 |
| Net operating income to assets | 0.4456% | 4,888 |
| Return on assets (ROA) | 0.4717% | 4,878 |
| Pretax return on assets | 0.7294% | 4,533 |
| Return on Equity (ROE) | 4.4194% | 4,751 |
| Retained earnings to average equity (ytd only) | 4.4194% | 3,187 |
| Net charge-offs to loans | 0.0317% | 3,014 |
| Credit loss provision to net charge-offs | 299.0991% | 1,041 |
| Earnings coverage of net charge-offs (x) | 36.3595% | 1,312 |
| Efficiency ratio | 77.0408% | 1,829 |
| Assets per employee ($millions) | 10.2381% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1609% | 3,481 |
| Loan loss allowance to noncurrent loans | 1,688.9231% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0423% | 5,305 |
| Noncurrent loans to loans | 0.0687% | 5,069 |
| Net loans and leases to total assets | 60.8623% | 3,763 |
| Net loans and leases to deposits | 68.3389% | 4,118 |
| Net loans and leases to core deposits | 78.9481% | 3,559 |
| Total domestic deposits to total assets | 89.0595% | 872 |
| Equity capital to assets | 10.2489% | 3,858 |
| Core capital (leverage) ratio | 10.3076% | 3,219 |
| Tier 1 risk-based capital ratio | 16.6663% | 2,351 |
| Total risk-based capital ratio | 17.8486% | 2,330 |
| Memoranda: | ||
| Average total assets | $716,528,750 | 1,003 |
| Average earning assets | $693,279,000 | 963 |
| Average equity | $76,480,000 | 1,041 |
| Average total loans | $467,288,500 | 1,034 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5203% | 4,811 |
| Cost of funding earning assets | 0.3040% | 4,079 |
| Net interest margin | 3.2163% | 4,493 |
| Noninterest income to average assets | 0.1696% | 5,470 |
| Noninterest expense to average assets | 2.5347% | 3,928 |
| Loan and lease loss provision to assets | 0.0549% | 3,053 |
| Net operating income to assets | 0.4486% | 4,874 |
| Return on assets (ROA) | 0.4853% | 4,838 |
| Pretax return on assets | 0.7498% | 4,455 |
| Return on Equity (ROE) | 4.4811% | 4,721 |
| Retained earnings to average equity (ytd only) | 4.4811% | 3,062 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2058% | 1,896 |
| Assets per employee ($millions) | 10.0357% | 282 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1793% | 3,468 |
| Loan loss allowance to noncurrent loans | 1,040.0000% | 563 |
| Noncurrent assets plus other real estate owned to assets | 0.0679% | 5,286 |
| Noncurrent loans to loans | 0.1134% | 4,994 |
| Net loans and leases to total assets | 59.2093% | 3,985 |
| Net loans and leases to deposits | 70.4750% | 3,941 |
| Net loans and leases to core deposits | 81.8660% | 3,283 |
| Total domestic deposits to total assets | 84.0147% | 3,262 |
| Equity capital to assets | 10.0649% | 4,144 |
| Core capital (leverage) ratio | 10.6866% | 2,751 |
| Tier 1 risk-based capital ratio | 16.2676% | 2,520 |
| Total risk-based capital ratio | 17.4293% | 2,505 |
| Memoranda: | ||
| Average total assets | $699,419,670 | 1,030 |
| Average earning assets | $677,042,670 | 987 |
| Average equity | $75,741,000 | 1,056 |
| Average total loans | $465,443,330 | 1,035 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6157% | 4,583 |
| Cost of funding earning assets | 0.3001% | 4,161 |
| Net interest margin | 3.3156% | 4,166 |
| Noninterest income to average assets | 0.1817% | 5,410 |
| Noninterest expense to average assets | 2.6272% | 3,666 |
| Loan and lease loss provision to assets | 0.1056% | 1,940 |
| Net operating income to assets | 0.4192% | 4,933 |
| Return on assets (ROA) | 0.4122% | 5,034 |
| Pretax return on assets | 0.6392% | 4,705 |
| Return on Equity (ROE) | 3.6562% | 5,013 |
| Retained earnings to average equity (ytd only) | 3.6562% | 3,666 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6628% | 1,945 |
| Assets per employee ($millions) | 9.8082% | 301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1543% | 3,740 |
| Loan loss allowance to noncurrent loans | 1,015.4851% | 578 |
| Noncurrent assets plus other real estate owned to assets | 0.0770% | 5,268 |
| Noncurrent loans to loans | 0.1137% | 5,022 |
| Net loans and leases to total assets | 66.9324% | 2,818 |
| Net loans and leases to deposits | 77.6021% | 3,045 |
| Net loans and leases to core deposits | 92.6183% | 2,132 |
| Total domestic deposits to total assets | 86.2508% | 2,569 |
| Equity capital to assets | 10.8751% | 3,079 |
| Core capital (leverage) ratio | 11.5683% | 1,928 |
| Tier 1 risk-based capital ratio | 16.1558% | 2,604 |
| Total risk-based capital ratio | 17.3225% | 2,602 |
| Memoranda: | ||
| Average total assets | $662,753,500 | 1,070 |
| Average earning assets | $639,879,000 | 1,025 |
| Average equity | $74,723,000 | 1,067 |
| Average total loans | $466,664,500 | 1,030 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0812% | 2,995 |
| Cost of funding earning assets | 0.3116% | 4,119 |
| Net interest margin | 3.7696% | 2,484 |
| Noninterest income to average assets | 0.1962% | 5,411 |
| Noninterest expense to average assets | 2.8997% | 2,861 |
| Loan and lease loss provision to assets | 0.1581% | 1,471 |
| Net operating income to assets | 0.4879% | 4,743 |
| Return on assets (ROA) | 0.4796% | 4,855 |
| Pretax return on assets | 0.7477% | 4,375 |
| Return on Equity (ROE) | 4.0441% | 4,929 |
| Retained earnings to average equity (ytd only) | 4.0441% | 3,139 |
| Net charge-offs to loans | 0.0127% | 4,047 |
| Credit loss provision to net charge-offs | 1,667.3077% | 209 |
| Earnings coverage of net charge-offs (x) | 96.8846% | 592 |
| Efficiency ratio | 75.9385% | 2,280 |
| Assets per employee ($millions) | 8.7378% | 422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1408% | 3,804 |
| Loan loss allowance to noncurrent loans | 812.9630% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.1030% | 5,193 |
| Noncurrent loans to loans | 0.1403% | 4,930 |
| Net loans and leases to total assets | 72.5631% | 1,959 |
| Net loans and leases to deposits | 87.2447% | 1,968 |
| Net loans and leases to core deposits | 106.6101% | 1,071 |
| Total domestic deposits to total assets | 83.1720% | 3,785 |
| Equity capital to assets | 11.7169% | 2,183 |
| Core capital (leverage) ratio | 12.2187% | 1,493 |
| Tier 1 risk-based capital ratio | 16.8265% | 2,350 |
| Total risk-based capital ratio | 18.0136% | 2,324 |
| Memoranda: | ||
| Average total assets | $548,339,600 | 1,239 |
| Average earning assets | $526,899,800 | 1,198 |
| Average equity | $65,033,800 | 1,163 |
| Average total loans | $411,034,000 | 1,118 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1989% | 2,573 |
| Cost of funding earning assets | 0.3119% | 4,200 |
| Net interest margin | 3.8870% | 2,081 |
| Noninterest income to average assets | 0.2105% | 5,388 |
| Noninterest expense to average assets | 3.0067% | 2,501 |
| Loan and lease loss provision to assets | 0.1558% | 1,394 |
| Net operating income to assets | 0.4979% | 4,798 |
| Return on assets (ROA) | 0.4865% | 4,928 |
| Pretax return on assets | 0.7581% | 4,467 |
| Return on Equity (ROE) | 4.0870% | 4,996 |
| Retained earnings to average equity (ytd only) | 4.0870% | 3,549 |
| Net charge-offs to loans | 0.0174% | 3,602 |
| Credit loss provision to net charge-offs | 1,186.5385% | 323 |
| Earnings coverage of net charge-offs (x) | 70.9824% | 807 |
| Efficiency ratio | 76.3413% | 2,190 |
| Assets per employee ($millions) | 8.1123% | 511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1751% | 3,792 |
| Loan loss allowance to noncurrent loans | 814.6104% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.1069% | 5,320 |
| Noncurrent loans to loans | 0.1443% | 5,063 |
| Net loans and leases to total assets | 73.2688% | 1,859 |
| Net loans and leases to deposits | 83.1823% | 2,509 |
| Net loans and leases to core deposits | 96.6521% | 1,828 |
| Total domestic deposits to total assets | 88.0821% | 1,515 |
| Equity capital to assets | 11.1187% | 2,890 |
| Core capital (leverage) ratio | 11.4494% | 2,077 |
| Tier 1 risk-based capital ratio | 15.4055% | 3,093 |
| Total risk-based capital ratio | 16.6140% | 3,041 |
| Memoranda: | ||
| Average total assets | $528,143,500 | 1,288 |
| Average earning assets | $506,530,000 | 1,244 |
| Average equity | $62,863,750 | 1,207 |
| Average total loans | $398,347,500 | 1,163 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2342% | 2,413 |
| Cost of funding earning assets | 0.3087% | 4,297 |
| Net interest margin | 3.9254% | 1,893 |
| Noninterest income to average assets | 0.2140% | 5,414 |
| Noninterest expense to average assets | 3.0340% | 2,448 |
| Loan and lease loss provision to assets | 0.1394% | 1,566 |
| Net operating income to assets | 0.5195% | 4,686 |
| Return on assets (ROA) | 0.5018% | 4,868 |
| Pretax return on assets | 0.7809% | 4,383 |
| Return on Equity (ROE) | 4.1139% | 4,974 |
| Retained earnings to average equity (ytd only) | 4.1139% | 3,407 |
| Net charge-offs to loans | 0.0211% | 3,252 |
| Credit loss provision to net charge-offs | 870.7317% | 400 |
| Earnings coverage of net charge-offs (x) | 59.2195% | 846 |
| Efficiency ratio | 76.1914% | 2,324 |
| Assets per employee ($millions) | 7.3849% | 706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 3,862 |
| Loan loss allowance to noncurrent loans | 722.5758% | 742 |
| Noncurrent assets plus other real estate owned to assets | 0.1277% | 5,346 |
| Noncurrent loans to loans | 0.1644% | 5,107 |
| Net loans and leases to total assets | 76.7609% | 1,261 |
| Net loans and leases to deposits | 92.9239% | 1,262 |
| Net loans and leases to core deposits | 100.8573% | 1,415 |
| Total domestic deposits to total assets | 82.6062% | 4,091 |
| Equity capital to assets | 12.1296% | 1,928 |
| Core capital (leverage) ratio | 12.6292% | 1,323 |
| Tier 1 risk-based capital ratio | 15.9686% | 2,876 |
| Total risk-based capital ratio | 17.1714% | 2,855 |
| Memoranda: | ||
| Average total assets | $512,200,000 | 1,330 |
| Average earning assets | $491,666,330 | 1,288 |
| Average equity | $62,471,330 | 1,218 |
| Average total loans | $388,787,670 | 1,188 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0923% | 2,867 |
| Cost of funding earning assets | 0.3076% | 4,358 |
| Net interest margin | 3.7847% | 2,277 |
| Noninterest income to average assets | 0.2111% | 5,444 |
| Noninterest expense to average assets | 2.9547% | 2,724 |
| Loan and lease loss provision to assets | 0.0996% | 2,031 |
| Net operating income to assets | 0.5111% | 4,623 |
| Return on assets (ROA) | 0.4755% | 4,898 |
| Pretax return on assets | 0.7399% | 4,469 |
| Return on Equity (ROE) | 3.8874% | 5,026 |
| Retained earnings to average equity (ytd only) | 3.8874% | 3,670 |
| Net charge-offs to loans | 0.0366% | 2,475 |
| Credit loss provision to net charge-offs | 362.8571% | 713 |
| Earnings coverage of net charge-offs (x) | 32.6000% | 1,096 |
| Efficiency ratio | 76.7475% | 2,387 |
| Assets per employee ($millions) | 7.9941% | 549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1801% | 4,085 |
| Loan loss allowance to noncurrent loans | 618.3673% | 821 |
| Noncurrent assets plus other real estate owned to assets | 0.1437% | 5,382 |
| Noncurrent loans to loans | 0.1908% | 5,103 |
| Net loans and leases to total assets | 74.3877% | 1,443 |
| Net loans and leases to deposits | 92.9251% | 1,098 |
| Net loans and leases to core deposits | 96.5646% | 1,579 |
| Total domestic deposits to total assets | 80.0512% | 5,042 |
| Equity capital to assets | 12.2799% | 1,834 |
| Core capital (leverage) ratio | 12.5550% | 1,339 |
| Tier 1 risk-based capital ratio | 16.3305% | 2,765 |
| Total risk-based capital ratio | 17.5158% | 2,735 |
| Memoranda: | ||
| Average total assets | $509,828,000 | 1,341 |
| Average earning assets | $490,183,000 | 1,292 |
| Average equity | $62,355,500 | 1,225 |
| Average total loans | $382,391,500 | 1,207 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9431% | 3,956 |
| Cost of funding earning assets | 0.3567% | 4,181 |
| Net interest margin | 3.5865% | 3,457 |
| Noninterest income to average assets | 0.2037% | 5,641 |
| Noninterest expense to average assets | 2.7857% | 3,539 |
| Loan and lease loss provision to assets | 0.0492% | 3,585 |
| Net operating income to assets | 0.3777% | 5,299 |
| Return on assets (ROA) | 0.3812% | 5,354 |
| Pretax return on assets | 0.7881% | 4,302 |
| Return on Equity (ROE) | 4.1830% | 5,036 |
| Retained earnings to average equity (ytd only) | 4.1830% | 3,223 |
| Net charge-offs to loans | 0.0102% | 4,703 |
| Credit loss provision to net charge-offs | 714.7059% | 372 |
| Earnings coverage of net charge-offs (x) | 120.8529% | 437 |
| Efficiency ratio | 77.0049% | 2,349 |
| Assets per employee ($millions) | 7.3628% | 701 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1729% | 4,150 |
| Loan loss allowance to noncurrent loans | 383.2186% | 1,322 |
| Noncurrent assets plus other real estate owned to assets | 0.2287% | 5,107 |
| Noncurrent loans to loans | 0.3061% | 4,747 |
| Net loans and leases to total assets | 73.8536% | 1,609 |
| Net loans and leases to deposits | 94.8155% | 1,012 |
| Net loans and leases to core deposits | 98.8104% | 1,480 |
| Total domestic deposits to total assets | 77.8919% | 5,458 |
| Equity capital to assets | 12.1811% | 1,882 |
| Core capital (leverage) ratio | 12.6470% | 1,283 |
| Tier 1 risk-based capital ratio | 16.0202% | 2,954 |
| Total risk-based capital ratio | 17.1709% | 2,948 |
| Memoranda: | ||
| Average total assets | $493,959,000 | 1,347 |
| Average earning assets | $470,185,000 | 1,304 |
| Average equity | $45,015,400 | 1,602 |
| Average total loans | $332,983,800 | 1,314 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9476% | 3,980 |
| Cost of funding earning assets | 0.3722% | 4,105 |
| Net interest margin | 3.5754% | 3,532 |
| Noninterest income to average assets | 0.2178% | 5,626 |
| Noninterest expense to average assets | 2.7488% | 3,642 |
| Loan and lease loss provision to assets | 0.0530% | 3,316 |
| Net operating income to assets | 0.4764% | 4,968 |
| Return on assets (ROA) | 0.4771% | 5,040 |
| Pretax return on assets | 0.8120% | 4,325 |
| Return on Equity (ROE) | 5.7354% | 4,376 |
| Retained earnings to average equity (ytd only) | 5.7354% | 2,581 |
| Net charge-offs to loans | 0.0141% | 4,270 |
| Credit loss provision to net charge-offs | 573.5294% | 510 |
| Earnings coverage of net charge-offs (x) | 93.4752% | 615 |
| Efficiency ratio | 76.0855% | 2,480 |
| Assets per employee ($millions) | 8.1704% | 480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2538% | 3,920 |
| Loan loss allowance to noncurrent loans | 542.4877% | 908 |
| Noncurrent assets plus other real estate owned to assets | 0.1578% | 5,553 |
| Noncurrent loans to loans | 0.2311% | 5,203 |
| Net loans and leases to total assets | 67.3997% | 2,628 |
| Net loans and leases to deposits | 84.3009% | 2,106 |
| Net loans and leases to core deposits | 88.2127% | 2,403 |
| Total domestic deposits to total assets | 79.9513% | 5,114 |
| Equity capital to assets | 8.2442% | 5,984 |
| Core capital (leverage) ratio | 8.7061% | 5,427 |
| Tier 1 risk-based capital ratio | 11.6719% | 5,686 |
| Total risk-based capital ratio | 12.8485% | 5,656 |
| Memoranda: | ||
| Average total assets | $490,441,000 | 1,367 |
| Average earning assets | $465,688,750 | 1,326 |
| Average equity | $40,798,250 | 1,757 |
| Average total loans | $321,316,750 | 1,366 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9793% | 3,820 |
| Cost of funding earning assets | 0.4013% | 3,856 |
| Net interest margin | 3.5780% | 3,449 |
| Noninterest income to average assets | 0.2260% | 5,591 |
| Noninterest expense to average assets | 2.8059% | 3,484 |
| Loan and lease loss provision to assets | 0.0498% | 3,308 |
| Net operating income to assets | 0.4480% | 5,026 |
| Return on assets (ROA) | 0.4491% | 5,096 |
| Pretax return on assets | 0.7696% | 4,385 |
| Return on Equity (ROE) | 5.3811% | 4,494 |
| Retained earnings to average equity (ytd only) | 5.3811% | 2,715 |
| Net charge-offs to loans | 0.0231% | 3,742 |
| Credit loss provision to net charge-offs | 333.3333% | 785 |
| Earnings coverage of net charge-offs (x) | 54.7778% | 864 |
| Efficiency ratio | 77.4345% | 2,386 |
| Assets per employee ($millions) | 7.9149% | 518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 3,689 |
| Loan loss allowance to noncurrent loans | 500.9259% | 926 |
| Noncurrent assets plus other real estate owned to assets | 0.1761% | 5,616 |
| Noncurrent loans to loans | 0.2657% | 5,225 |
| Net loans and leases to total assets | 65.3753% | 2,853 |
| Net loans and leases to deposits | 76.1567% | 3,034 |
| Net loans and leases to core deposits | 79.2431% | 3,296 |
| Total domestic deposits to total assets | 85.8431% | 3,130 |
| Equity capital to assets | 8.5810% | 5,731 |
| Core capital (leverage) ratio | 8.7152% | 5,378 |
| Tier 1 risk-based capital ratio | 12.3665% | 5,324 |
| Total risk-based capital ratio | 13.6108% | 5,245 |
| Memoranda: | ||
| Average total assets | $482,342,330 | 1,389 |
| Average earning assets | $458,024,330 | 1,341 |
| Average equity | $40,252,330 | 1,770 |
| Average total loans | $311,310,330 | 1,393 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8604% | 4,243 |
| Cost of funding earning assets | 0.4113% | 3,843 |
| Net interest margin | 3.4491% | 3,905 |
| Noninterest income to average assets | 0.2334% | 5,487 |
| Noninterest expense to average assets | 2.8401% | 3,416 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3840% | 5,170 |
| Return on assets (ROA) | 0.3840% | 5,242 |
| Pretax return on assets | 0.6626% | 4,626 |
| Return on Equity (ROE) | 4.6689% | 4,708 |
| Retained earnings to average equity (ytd only) | 4.6689% | 3,319 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.0843% | 2,039 |
| Assets per employee ($millions) | 7.7657% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3502% | 3,846 |
| Loan loss allowance to noncurrent loans | 183.0889% | 2,254 |
| Noncurrent assets plus other real estate owned to assets | 0.4738% | 4,717 |
| Noncurrent loans to loans | 0.7375% | 4,017 |
| Net loans and leases to total assets | 63.3797% | 3,000 |
| Net loans and leases to deposits | 79.2953% | 2,393 |
| Net loans and leases to core deposits | 81.3129% | 2,814 |
| Total domestic deposits to total assets | 79.9287% | 5,498 |
| Equity capital to assets | 8.2302% | 5,884 |
| Core capital (leverage) ratio | 8.9121% | 5,123 |
| Tier 1 risk-based capital ratio | 12.2594% | 5,469 |
| Total risk-based capital ratio | 13.4872% | 5,415 |
| Memoranda: | ||
| Average total assets | $478,152,500 | 1,409 |
| Average earning assets | $453,214,500 | 1,365 |
| Average equity | $39,324,000 | 1,794 |
| Average total loans | $304,396,000 | 1,422 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7568% | 4,954 |
| Cost of funding earning assets | 0.4121% | 4,517 |
| Net interest margin | 3.3447% | 4,502 |
| Noninterest income to average assets | 0.2304% | 5,698 |
| Noninterest expense to average assets | 2.8679% | 3,465 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.3093% | 5,490 |
| Return on assets (ROA) | 0.2883% | 5,655 |
| Pretax return on assets | 0.5073% | 5,187 |
| Return on Equity (ROE) | 3.2896% | 5,406 |
| Retained earnings to average equity (ytd only) | 3.2896% | 3,892 |
| Net charge-offs to loans | 0.0889% | 3,956 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 10.5776% | 2,347 |
| Efficiency ratio | 84.1514% | 1,611 |
| Assets per employee ($millions) | 7.1857% | 696 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4412% | 3,457 |
| Loan loss allowance to noncurrent loans | 177.6476% | 2,309 |
| Noncurrent assets plus other real estate owned to assets | 0.5115% | 4,710 |
| Noncurrent loans to loans | 0.8113% | 3,943 |
| Net loans and leases to total assets | 62.1381% | 3,335 |
| Net loans and leases to deposits | 74.2255% | 3,230 |
| Net loans and leases to core deposits | 78.1110% | 3,345 |
| Total domestic deposits to total assets | 83.7152% | 4,277 |
| Equity capital to assets | 8.2179% | 5,860 |
| Core capital (leverage) ratio | 9.0057% | 4,995 |
| Tier 1 risk-based capital ratio | 12.7804% | 5,127 |
| Total risk-based capital ratio | 14.0309% | 5,073 |
| Memoranda: | ||
| Average total assets | $454,345,400 | 1,459 |
| Average earning assets | $431,643,600 | 1,411 |
| Average equity | $39,822,600 | 1,751 |
| Average total loans | $260,956,400 | 1,586 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7196% | 5,113 |
| Cost of funding earning assets | 0.4134% | 4,689 |
| Net interest margin | 3.3062% | 4,611 |
| Noninterest income to average assets | 0.2296% | 5,791 |
| Noninterest expense to average assets | 2.8802% | 3,375 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2726% | 5,697 |
| Return on assets (ROA) | 0.2734% | 5,801 |
| Pretax return on assets | 0.4918% | 5,379 |
| Return on Equity (ROE) | 3.0692% | 5,582 |
| Retained earnings to average equity (ytd only) | 3.0692% | 4,482 |
| Net charge-offs to loans | 0.1225% | 3,315 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 7.1551% | 2,838 |
| Efficiency ratio | 85.4463% | 1,422 |
| Assets per employee ($millions) | 7.3453% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5600% | 3,184 |
| Loan loss allowance to noncurrent loans | 174.0771% | 2,258 |
| Noncurrent assets plus other real estate owned to assets | 0.5186% | 4,884 |
| Noncurrent loans to loans | 0.8961% | 4,032 |
| Net loans and leases to total assets | 56.9704% | 4,174 |
| Net loans and leases to deposits | 71.9351% | 3,519 |
| Net loans and leases to core deposits | 75.9002% | 3,626 |
| Total domestic deposits to total assets | 79.1968% | 5,701 |
| Equity capital to assets | 8.3438% | 5,880 |
| Core capital (leverage) ratio | 8.8520% | 5,324 |
| Tier 1 risk-based capital ratio | 13.5367% | 4,731 |
| Total risk-based capital ratio | 14.7884% | 4,686 |
| Memoranda: | ||
| Average total assets | $451,164,750 | 1,481 |
| Average earning assets | $428,643,000 | 1,430 |
| Average equity | $40,182,500 | 1,749 |
| Average total loans | $252,577,750 | 1,644 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7006% | 5,140 |
| Cost of funding earning assets | 0.4155% | 4,803 |
| Net interest margin | 3.2851% | 4,637 |
| Noninterest income to average assets | 0.2383% | 5,743 |
| Noninterest expense to average assets | 2.9097% | 3,296 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2520% | 5,771 |
| Return on assets (ROA) | 0.2531% | 5,896 |
| Pretax return on assets | 0.4586% | 5,500 |
| Return on Equity (ROE) | 2.7801% | 5,702 |
| Retained earnings to average equity (ytd only) | 2.7801% | 4,542 |
| Net charge-offs to loans | 0.1886% | 2,622 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 4.3793% | 3,152 |
| Efficiency ratio | 86.4316% | 1,371 |
| Assets per employee ($millions) | 7.2158% | 654 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6670% | 2,910 |
| Loan loss allowance to noncurrent loans | 167.2183% | 2,310 |
| Noncurrent assets plus other real estate owned to assets | 0.5583% | 4,852 |
| Noncurrent loans to loans | 0.9969% | 3,943 |
| Net loans and leases to total assets | 55.0707% | 4,438 |
| Net loans and leases to deposits | 67.5003% | 4,078 |
| Net loans and leases to core deposits | 72.2116% | 4,010 |
| Total domestic deposits to total assets | 81.5858% | 5,185 |
| Equity capital to assets | 8.2843% | 5,984 |
| Core capital (leverage) ratio | 9.4107% | 4,375 |
| Tier 1 risk-based capital ratio | 13.9276% | 4,469 |
| Total risk-based capital ratio | 15.1799% | 4,432 |
| Memoranda: | ||
| Average total assets | $444,854,000 | 1,490 |
| Average earning assets | $423,603,330 | 1,446 |
| Average equity | $40,502,000 | 1,738 |
| Average total loans | $246,083,670 | 1,684 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7448% | 5,006 |
| Cost of funding earning assets | 0.4217% | 4,897 |
| Net interest margin | 3.3231% | 4,427 |
| Noninterest income to average assets | 0.2418% | 5,725 |
| Noninterest expense to average assets | 3.0092% | 2,960 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.2282% | 5,798 |
| Return on assets (ROA) | 0.2282% | 5,924 |
| Pretax return on assets | 0.4137% | 5,525 |
| Return on Equity (ROE) | 2.3949% | 5,816 |
| Retained earnings to average equity (ytd only) | 2.3949% | 4,830 |
| Net charge-offs to loans | 0.3837% | 1,494 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 1.9612% | 3,182 |
| Efficiency ratio | 87.9150% | 1,337 |
| Assets per employee ($millions) | 7.3595% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7685% | 2,743 |
| Loan loss allowance to noncurrent loans | 163.9243% | 2,222 |
| Noncurrent assets plus other real estate owned to assets | 0.5863% | 4,925 |
| Noncurrent loans to loans | 1.0789% | 3,991 |
| Net loans and leases to total assets | 53.3842% | 4,501 |
| Net loans and leases to deposits | 64.0395% | 4,308 |
| Net loans and leases to core deposits | 68.5446% | 4,239 |
| Total domestic deposits to total assets | 83.3613% | 4,728 |
| Equity capital to assets | 9.4278% | 4,957 |
| Core capital (leverage) ratio | 9.2477% | 4,485 |
| Tier 1 risk-based capital ratio | 14.8332% | 3,950 |
| Total risk-based capital ratio | 16.0867% | 3,911 |
| Memoranda: | ||
| Average total assets | $439,983,000 | 1,528 |
| Average earning assets | $421,173,000 | 1,465 |
| Average equity | $41,923,000 | 1,708 |
| Average total loans | $241,829,000 | 1,718 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0610% | 5,105 |
| Cost of funding earning assets | 0.5868% | 4,473 |
| Net interest margin | 3.4742% | 4,607 |
| Noninterest income to average assets | 0.1495% | 6,294 |
| Noninterest expense to average assets | 3.0909% | 2,957 |
| Loan and lease loss provision to assets | 0.0703% | 4,864 |
| Net operating income to assets | 0.5643% | 4,410 |
| Return on assets (ROA) | 0.8937% | 3,083 |
| Pretax return on assets | 0.6294% | 4,897 |
| Return on Equity (ROE) | 8.9733% | 2,647 |
| Retained earnings to average equity (ytd only) | 8.9733% | 830 |
| Net charge-offs to loans | 0.0109% | 5,775 |
| Credit loss provision to net charge-offs | 1,140.0000% | 226 |
| Earnings coverage of net charge-offs (x) | 60.0400% | 595 |
| Efficiency ratio | 89.3045% | 1,124 |
| Assets per employee ($millions) | 7.4305% | 646 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8368% | 2,475 |
| Loan loss allowance to noncurrent loans | 168.4607% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.6061% | 4,961 |
| Noncurrent loans to loans | 1.0903% | 4,027 |
| Net loans and leases to total assets | 54.5647% | 4,538 |
| Net loans and leases to deposits | 65.8334% | 4,311 |
| Net loans and leases to core deposits | 70.5288% | 4,230 |
| Total domestic deposits to total assets | 82.8829% | 4,767 |
| Equity capital to assets | 9.6296% | 4,692 |
| Core capital (leverage) ratio | 9.5159% | 4,081 |
| Tier 1 risk-based capital ratio | 14.6452% | 3,937 |
| Total risk-based capital ratio | 15.8997% | 3,895 |
| Memoranda: | ||
| Average total assets | $405,486,200 | 1,619 |
| Average earning assets | $386,503,800 | 1,556 |
| Average equity | $40,386,600 | 1,726 |
| Average total loans | $230,197,400 | 1,773 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2043% | 4,804 |
| Cost of funding earning assets | 0.6331% | 4,331 |
| Net interest margin | 3.5711% | 4,349 |
| Noninterest income to average assets | 0.1517% | 6,391 |
| Noninterest expense to average assets | 3.1492% | 2,720 |
| Loan and lease loss provision to assets | 0.0957% | 4,380 |
| Net operating income to assets | 0.6686% | 4,050 |
| Return on assets (ROA) | 1.0901% | 2,325 |
| Pretax return on assets | 0.7283% | 4,752 |
| Return on Equity (ROE) | 10.8456% | 2,010 |
| Retained earnings to average equity (ytd only) | 10.8456% | 708 |
| Net charge-offs to loans | 0.0147% | 5,486 |
| Credit loss provision to net charge-offs | 1,140.0000% | 243 |
| Earnings coverage of net charge-offs (x) | 47.9637% | 778 |
| Efficiency ratio | 88.6694% | 1,137 |
| Assets per employee ($millions) | 7.6842% | 542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8480% | 2,649 |
| Loan loss allowance to noncurrent loans | 149.0509% | 2,300 |
| Noncurrent assets plus other real estate owned to assets | 0.6856% | 4,976 |
| Noncurrent loans to loans | 1.2399% | 3,977 |
| Net loans and leases to total assets | 54.2760% | 4,713 |
| Net loans and leases to deposits | 61.1790% | 5,062 |
| Net loans and leases to core deposits | 66.4814% | 4,903 |
| Total domestic deposits to total assets | 88.7167% | 1,588 |
| Equity capital to assets | 9.7404% | 4,871 |
| Core capital (leverage) ratio | 9.4224% | 4,386 |
| Tier 1 risk-based capital ratio | 14.4870% | 4,189 |
| Total risk-based capital ratio | 15.7414% | 4,158 |
| Memoranda: | ||
| Average total assets | $397,258,000 | 1,666 |
| Average earning assets | $378,209,250 | 1,598 |
| Average equity | $39,929,250 | 1,758 |
| Average total loans | $226,825,000 | 1,808 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3256% | 4,470 |
| Cost of funding earning assets | 0.6677% | 4,298 |
| Net interest margin | 3.6579% | 3,996 |
| Noninterest income to average assets | 0.1590% | 6,394 |
| Noninterest expense to average assets | 3.2762% | 2,369 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.0107% | 2,419 |
| Return on assets (ROA) | 1.6165% | 903 |
| Pretax return on assets | 0.9868% | 3,756 |
| Return on Equity (ROE) | 15.8952% | 780 |
| Retained earnings to average equity (ytd only) | 15.8952% | 228 |
| Net charge-offs to loans | 0.0226% | 5,084 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 29.2400% | 1,088 |
| Efficiency ratio | 89.5810% | 1,105 |
| Assets per employee ($millions) | 7.3988% | 611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8086% | 2,826 |
| Loan loss allowance to noncurrent loans | 190.7601% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.5209% | 5,460 |
| Noncurrent loans to loans | 0.9481% | 4,612 |
| Net loans and leases to total assets | 53.9512% | 4,815 |
| Net loans and leases to deposits | 60.3120% | 5,219 |
| Net loans and leases to core deposits | 66.9997% | 4,895 |
| Total domestic deposits to total assets | 89.4535% | 1,241 |
| Equity capital to assets | 9.8006% | 4,626 |
| Core capital (leverage) ratio | 9.8395% | 3,659 |
| Tier 1 risk-based capital ratio | 14.4061% | 4,170 |
| Total risk-based capital ratio | 15.6596% | 4,136 |
| Memoranda: | ||
| Average total assets | $383,676,670 | 1,721 |
| Average earning assets | $366,927,670 | 1,647 |
| Average equity | $39,018,000 | 1,782 |
| Average total loans | $221,698,000 | 1,834 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4127% | 4,280 |
| Cost of funding earning assets | 0.7456% | 3,897 |
| Net interest margin | 3.6671% | 3,974 |
| Noninterest income to average assets | 0.1678% | 6,380 |
| Noninterest expense to average assets | 3.2832% | 2,341 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3916% | 5,290 |
| Return on assets (ROA) | 0.3916% | 5,477 |
| Pretax return on assets | 0.3916% | 5,747 |
| Return on Equity (ROE) | 3.7717% | 5,394 |
| Retained earnings to average equity (ytd only) | 3.7717% | 4,324 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3433% | 1,148 |
| Assets per employee ($millions) | 7.2142% | 675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9120% | 2,641 |
| Loan loss allowance to noncurrent loans | 191.6364% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.5647% | 5,471 |
| Noncurrent loans to loans | 0.9977% | 4,679 |
| Net loans and leases to total assets | 55.5187% | 4,467 |
| Net loans and leases to deposits | 62.1906% | 4,882 |
| Net loans and leases to core deposits | 71.2567% | 4,259 |
| Total domestic deposits to total assets | 89.2719% | 1,496 |
| Equity capital to assets | 9.8289% | 4,336 |
| Core capital (leverage) ratio | 10.4365% | 2,828 |
| Tier 1 risk-based capital ratio | 14.5581% | 4,056 |
| Total risk-based capital ratio | 15.8132% | 4,013 |
| Memoranda: | ||
| Average total assets | $364,649,500 | 1,813 |
| Average earning assets | $348,724,000 | 1,734 |
| Average equity | $37,861,000 | 1,837 |
| Average total loans | $216,687,000 | 1,886 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7128% | 4,189 |
| Cost of funding earning assets | 0.8029% | 4,843 |
| Net interest margin | 3.9099% | 3,290 |
| Noninterest income to average assets | 0.1556% | 6,374 |
| Noninterest expense to average assets | 3.3337% | 2,409 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.7553% | 3,239 |
| Return on assets (ROA) | 1.3981% | 1,119 |
| Pretax return on assets | 1.1800% | 2,524 |
| Return on Equity (ROE) | 13.9012% | 955 |
| Retained earnings to average equity (ytd only) | 13.9012% | 177 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1218% | 1,554 |
| Assets per employee ($millions) | 6.1770% | 1,117 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9805% | 2,341 |
| Loan loss allowance to noncurrent loans | 191.4623% | 1,726 |
| Noncurrent assets plus other real estate owned to assets | 0.6482% | 5,363 |
| Noncurrent loans to loans | 1.0344% | 4,638 |
| Net loans and leases to total assets | 61.4188% | 3,707 |
| Net loans and leases to deposits | 78.7337% | 2,723 |
| Net loans and leases to core deposits | 95.7428% | 1,522 |
| Total domestic deposits to total assets | 78.0083% | 6,191 |
| Equity capital to assets | 11.0181% | 2,962 |
| Core capital (leverage) ratio | 10.8000% | 2,434 |
| Tier 1 risk-based capital ratio | 15.3592% | 3,416 |
| Total risk-based capital ratio | 16.6157% | 3,364 |
| Memoranda: | ||
| Average total assets | $329,660,800 | 1,959 |
| Average earning assets | $313,253,000 | 1,883 |
| Average equity | $33,155,400 | 2,010 |
| Average total loans | $215,611,800 | 1,907 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6602% | 4,635 |
| Cost of funding earning assets | 0.8034% | 5,125 |
| Net interest margin | 3.8568% | 3,582 |
| Noninterest income to average assets | 0.1516% | 6,500 |
| Noninterest expense to average assets | 3.3057% | 2,479 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.5086% | 4,515 |
| Return on assets (ROA) | 1.2960% | 1,484 |
| Pretax return on assets | 1.2960% | 2,301 |
| Return on Equity (ROE) | 13.2140% | 1,226 |
| Retained earnings to average equity (ytd only) | 13.2140% | 360 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6652% | 1,466 |
| Assets per employee ($millions) | 5.7432% | 1,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9545% | 2,464 |
| Loan loss allowance to noncurrent loans | 190.5967% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.7132% | 5,371 |
| Noncurrent loans to loans | 1.0255% | 4,842 |
| Net loans and leases to total assets | 68.1941% | 2,446 |
| Net loans and leases to deposits | 79.8537% | 2,674 |
| Net loans and leases to core deposits | 97.1993% | 1,494 |
| Total domestic deposits to total assets | 85.3988% | 3,555 |
| Equity capital to assets | 11.4297% | 2,753 |
| Core capital (leverage) ratio | 10.5413% | 2,820 |
| Tier 1 risk-based capital ratio | 14.7115% | 3,828 |
| Total risk-based capital ratio | 15.9681% | 3,803 |
| Memoranda: | ||
| Average total assets | $327,142,750 | 1,979 |
| Average earning assets | $310,680,250 | 1,900 |
| Average equity | $32,086,250 | 2,068 |
| Average total loans | $216,295,750 | 1,914 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5505% | 5,168 |
| Cost of funding earning assets | 0.7946% | 5,408 |
| Net interest margin | 3.7559% | 4,006 |
| Noninterest income to average assets | 0.1454% | 6,599 |
| Noninterest expense to average assets | 3.2042% | 2,882 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.5030% | 4,487 |
| Return on assets (ROA) | 0.5000% | 4,639 |
| Pretax return on assets | 0.5000% | 5,074 |
| Return on Equity (ROE) | 5.3736% | 4,269 |
| Retained earnings to average equity (ytd only) | 5.3736% | 2,762 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.4322% | 1,552 |
| Assets per employee ($millions) | 6.6621% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9613% | 2,477 |
| Loan loss allowance to noncurrent loans | 189.6536% | 1,596 |
| Noncurrent assets plus other real estate owned to assets | 0.6543% | 5,594 |
| Noncurrent loans to loans | 1.0341% | 4,928 |
| Net loans and leases to total assets | 62.0260% | 3,879 |
| Net loans and leases to deposits | 81.2310% | 2,570 |
| Net loans and leases to core deposits | 98.8119% | 1,444 |
| Total domestic deposits to total assets | 76.3575% | 6,547 |
| Equity capital to assets | 9.5315% | 4,768 |
| Core capital (leverage) ratio | 9.4303% | 4,061 |
| Tier 1 risk-based capital ratio | 13.6770% | 4,399 |
| Total risk-based capital ratio | 14.9337% | 4,367 |
| Memoranda: | ||
| Average total assets | $332,813,330 | 1,960 |
| Average earning assets | $315,613,670 | 1,888 |
| Average equity | $30,966,000 | 2,126 |
| Average total loans | $216,492,000 | 1,935 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5168% | 5,277 |
| Cost of funding earning assets | 0.8063% | 5,543 |
| Net interest margin | 3.7104% | 4,044 |
| Noninterest income to average assets | 0.1421% | 6,705 |
| Noninterest expense to average assets | 3.1895% | 2,930 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4737% | 4,603 |
| Return on assets (ROA) | 0.4737% | 4,685 |
| Pretax return on assets | 0.4737% | 5,108 |
| Return on Equity (ROE) | 5.1559% | 4,317 |
| Retained earnings to average equity (ytd only) | 5.1559% | 3,089 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0690% | 1,606 |
| Assets per employee ($millions) | 6.5974% | 884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9516% | 2,540 |
| Loan loss allowance to noncurrent loans | 187.4611% | 1,583 |
| Noncurrent assets plus other real estate owned to assets | 0.6818% | 5,586 |
| Noncurrent loans to loans | 1.0411% | 4,975 |
| Net loans and leases to total assets | 64.2106% | 3,401 |
| Net loans and leases to deposits | 80.8445% | 2,550 |
| Net loans and leases to core deposits | 102.5446% | 1,160 |
| Total domestic deposits to total assets | 79.4249% | 6,078 |
| Equity capital to assets | 9.2609% | 4,798 |
| Core capital (leverage) ratio | 9.6987% | 3,527 |
| Tier 1 risk-based capital ratio | 13.4233% | 4,482 |
| Total risk-based capital ratio | 14.6799% | 4,456 |
| Memoranda: | ||
| Average total assets | $329,335,500 | 1,984 |
| Average earning assets | $312,523,000 | 1,913 |
| Average equity | $30,256,500 | 2,161 |
| Average total loans | $217,257,500 | 1,947 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0053% | 4,534 |
| Cost of funding earning assets | 1.0172% | 5,603 |
| Net interest margin | 3.9881% | 3,070 |
| Noninterest income to average assets | 0.1730% | 6,505 |
| Noninterest expense to average assets | 3.6005% | 1,923 |
| Loan and lease loss provision to assets | 0.2588% | 4,719 |
| Net operating income to assets | 0.0533% | 5,691 |
| Return on assets (ROA) | 0.6521% | 3,575 |
| Pretax return on assets | 0.6521% | 4,159 |
| Return on Equity (ROE) | 6.4621% | 3,370 |
| Retained earnings to average equity (ytd only) | 6.4621% | 1,574 |
| Net charge-offs to loans | 0.0100% | 6,734 |
| Credit loss provision to net charge-offs | 3,676.1905% | 57 |
| Earnings coverage of net charge-offs (x) | 44.3333% | 527 |
| Efficiency ratio | 92.0223% | 1,183 |
| Assets per employee ($millions) | 6.8500% | 797 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9296% | 2,470 |
| Loan loss allowance to noncurrent loans | 189.8244% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.6755% | 5,654 |
| Noncurrent loans to loans | 1.0165% | 5,037 |
| Net loans and leases to total assets | 65.1675% | 3,632 |
| Net loans and leases to deposits | 84.9642% | 2,288 |
| Net loans and leases to core deposits | 112.4451% | 790 |
| Total domestic deposits to total assets | 76.7000% | 6,530 |
| Equity capital to assets | 9.1131% | 4,975 |
| Core capital (leverage) ratio | 9.4705% | 3,739 |
| Tier 1 risk-based capital ratio | 13.3067% | 4,364 |
| Total risk-based capital ratio | 14.5634% | 4,324 |
| Memoranda: | ||
| Average total assets | $298,265,600 | 2,159 |
| Average earning assets | $279,682,200 | 2,113 |
| Average equity | $30,098,800 | 2,167 |
| Average total loans | $210,675,400 | 2,061 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0915% | 4,366 |
| Cost of funding earning assets | 1.0634% | 5,632 |
| Net interest margin | 4.0280% | 2,963 |
| Noninterest income to average assets | 0.1762% | 6,619 |
| Noninterest expense to average assets | 3.6398% | 1,695 |
| Loan and lease loss provision to assets | 0.2789% | 4,347 |
| Net operating income to assets | 0.0229% | 5,949 |
| Return on assets (ROA) | 0.3587% | 5,118 |
| Pretax return on assets | 0.3587% | 5,348 |
| Return on Equity (ROE) | 3.4602% | 5,017 |
| Retained earnings to average equity (ytd only) | 3.4602% | 4,014 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.3417% | 1,098 |
| Assets per employee ($millions) | 5.6922% | 1,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9297% | 2,402 |
| Loan loss allowance to noncurrent loans | 182.1556% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.7015% | 5,710 |
| Noncurrent loans to loans | 1.0594% | 5,124 |
| Net loans and leases to total assets | 64.9361% | 3,918 |
| Net loans and leases to deposits | 79.3359% | 3,570 |
| Net loans and leases to core deposits | 107.3910% | 1,204 |
| Total domestic deposits to total assets | 81.8496% | 5,055 |
| Equity capital to assets | 9.9782% | 4,181 |
| Core capital (leverage) ratio | 9.5744% | 3,801 |
| Tier 1 risk-based capital ratio | 12.7077% | 4,806 |
| Total risk-based capital ratio | 13.9635% | 4,781 |
| Memoranda: | ||
| Average total assets | $290,631,500 | 2,239 |
| Average earning assets | $271,690,250 | 2,200 |
| Average equity | $30,132,500 | 2,187 |
| Average total loans | $208,722,250 | 2,112 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1321% | 4,285 |
| Cost of funding earning assets | 1.1245% | 5,555 |
| Net interest margin | 4.0076% | 2,978 |
| Noninterest income to average assets | 0.1849% | 6,582 |
| Noninterest expense to average assets | 3.6963% | 1,563 |
| Loan and lease loss provision to assets | 0.1458% | 5,438 |
| Net operating income to assets | 0.0860% | 5,904 |
| Return on assets (ROA) | 0.2254% | 5,611 |
| Pretax return on assets | 0.2254% | 5,716 |
| Return on Equity (ROE) | 2.1438% | 5,590 |
| Retained earnings to average equity (ytd only) | 2.1438% | 4,780 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0985% | 1,065 |
| Assets per employee ($millions) | 5.6566% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7370% | 2,941 |
| Loan loss allowance to noncurrent loans | 162.3894% | 1,727 |
| Noncurrent assets plus other real estate owned to assets | 0.7399% | 5,643 |
| Noncurrent loans to loans | 1.0697% | 5,175 |
| Net loans and leases to total assets | 67.9671% | 3,370 |
| Net loans and leases to deposits | 78.5981% | 3,870 |
| Net loans and leases to core deposits | 96.9184% | 2,336 |
| Total domestic deposits to total assets | 86.4743% | 2,835 |
| Equity capital to assets | 9.9962% | 4,031 |
| Core capital (leverage) ratio | 9.7880% | 3,422 |
| Tier 1 risk-based capital ratio | 12.5108% | 4,851 |
| Total risk-based capital ratio | 13.7573% | 4,828 |
| Memoranda: | ||
| Average total assets | $281,254,000 | 2,322 |
| Average earning assets | $262,700,000 | 2,279 |
| Average equity | $29,574,330 | 2,219 |
| Average total loans | $207,941,000 | 2,145 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1578% | 4,257 |
| Cost of funding earning assets | 1.1670% | 5,569 |
| Net interest margin | 3.9908% | 2,908 |
| Noninterest income to average assets | 0.2140% | 6,433 |
| Noninterest expense to average assets | 3.7585% | 1,400 |
| Loan and lease loss provision to assets | 0.1664% | 4,864 |
| Net operating income to assets | -0.0059% | 6,304 |
| Return on assets (ROA) | 0.1516% | 5,980 |
| Pretax return on assets | 0.1516% | 6,019 |
| Return on Equity (ROE) | 1.4023% | 5,996 |
| Retained earnings to average equity (ytd only) | 1.4023% | 5,242 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.9044% | 1,028 |
| Assets per employee ($millions) | 5.2092% | 1,954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7087% | 3,032 |
| Loan loss allowance to noncurrent loans | 156.4742% | 1,787 |
| Noncurrent assets plus other real estate owned to assets | 0.7979% | 5,561 |
| Noncurrent loans to loans | 1.0920% | 5,177 |
| Net loans and leases to total assets | 71.8182% | 2,496 |
| Net loans and leases to deposits | 81.8337% | 3,310 |
| Net loans and leases to core deposits | 104.0784% | 1,732 |
| Total domestic deposits to total assets | 87.7612% | 2,202 |
| Equity capital to assets | 10.1920% | 3,621 |
| Core capital (leverage) ratio | 10.6320% | 2,516 |
| Tier 1 risk-based capital ratio | 12.1317% | 5,054 |
| Total risk-based capital ratio | 13.3848% | 5,018 |
| Memoranda: | ||
| Average total assets | $269,153,500 | 2,476 |
| Average earning assets | $249,873,500 | 2,450 |
| Average equity | $29,094,500 | 2,283 |
| Average total loans | $206,272,000 | 2,216 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2892% | 5,233 |
| Cost of funding earning assets | 1.2319% | 6,541 |
| Net interest margin | 4.0573% | 2,620 |
| Noninterest income to average assets | 0.2121% | 6,591 |
| Noninterest expense to average assets | 5.3617% | 421 |
| Loan and lease loss provision to assets | 1.5597% | 1,472 |
| Net operating income to assets | -3.1011% | 7,423 |
| Return on assets (ROA) | -3.0547% | 7,415 |
| Pretax return on assets | -3.0558% | 7,308 |
| Return on Equity (ROE) | -19.9661% | 7,143 |
| Retained earnings to average equity (ytd only) | -19.9661% | 7,107 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 140.3905% | 380 |
| Assets per employee ($millions) | 4.7509% | 2,541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7052% | 2,883 |
| Loan loss allowance to noncurrent loans | 143.7759% | 1,987 |
| Noncurrent assets plus other real estate owned to assets | 0.9571% | 5,190 |
| Noncurrent loans to loans | 1.1860% | 4,957 |
| Net loans and leases to total assets | 79.3240% | 1,128 |
| Net loans and leases to deposits | 99.1841% | 976 |
| Net loans and leases to core deposits | 121.3123% | 1,854 |
| Total domestic deposits to total assets | 79.9765% | 5,675 |
| Equity capital to assets | 11.5124% | 2,311 |
| Core capital (leverage) ratio | 12.2229% | 1,567 |
| Tier 1 risk-based capital ratio | 12.6178% | 4,428 |
| Total risk-based capital ratio | 13.8710% | 4,366 |
| Memoranda: | ||
| Average total assets | $181,063,600 | 3,420 |
| Average earning assets | $160,970,600 | 3,499 |
| Average equity | $27,702,000 | 2,402 |
| Average total loans | $132,195,800 | 3,227 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2190% | 5,803 |
| Cost of funding earning assets | 1.2204% | 6,835 |
| Net interest margin | 3.9986% | 2,833 |
| Noninterest income to average assets | 0.2097% | 6,726 |
| Noninterest expense to average assets | 5.9475% | 311 |
| Loan and lease loss provision to assets | 0.8740% | 2,197 |
| Net operating income to assets | -3.1182% | 7,617 |
| Return on assets (ROA) | -3.0595% | 7,611 |
| Pretax return on assets | -3.0611% | 7,525 |
| Return on Equity (ROE) | -18.2558% | 7,315 |
| Retained earnings to average equity (ytd only) | -18.2558% | 7,278 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 160.6702% | 268 |
| Assets per employee ($millions) | 4.1712% | 3,428 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0100% | 6,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 75.8995% | 2,011 |
| Net loans and leases to deposits | 97.8642% | 1,344 |
| Net loans and leases to core deposits | 115.8254% | 2,643 |
| Total domestic deposits to total assets | 77.5559% | 6,205 |
| Equity capital to assets | 11.6789% | 2,449 |
| Core capital (leverage) ratio | 12.6484% | 1,522 |
| Tier 1 risk-based capital ratio | 12.7371% | 4,359 |
| Total risk-based capital ratio | 13.5912% | 4,616 |
| Memoranda: | ||
| Average total assets | $163,379,750 | 3,735 |
| Average earning assets | $142,679,500 | 3,875 |
| Average equity | $27,380,500 | 2,445 |
| Average total loans | $114,444,250 | 3,627 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1450% | 6,271 |
| Cost of funding earning assets | 1.1616% | 7,213 |
| Net interest margin | 3.9834% | 2,773 |
| Noninterest income to average assets | 0.2220% | 6,710 |
| Noninterest expense to average assets | 6.7181% | 245 |
| Loan and lease loss provision to assets | 0.9546% | 1,772 |
| Net operating income to assets | -4.0791% | 7,845 |
| Return on assets (ROA) | -3.9987% | 7,823 |
| Pretax return on assets | -4.0014% | 7,752 |
| Return on Equity (ROE) | -20.6588% | 7,518 |
| Retained earnings to average equity (ytd only) | -20.6588% | 7,471 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 187.0943% | 226 |
| Assets per employee ($millions) | 3.6418% | 4,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0104% | 6,153 |
| 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 | 67.4588% | 4,260 |
| Net loans and leases to deposits | 79.1864% | 4,673 |
| Net loans and leases to core deposits | 101.4524% | 4,351 |
| Total domestic deposits to total assets | 85.1899% | 3,169 |
| Equity capital to assets | 13.6884% | 1,426 |
| Core capital (leverage) ratio | 17.1930% | 590 |
| Tier 1 risk-based capital ratio | 16.0291% | 2,618 |
| Total risk-based capital ratio | 16.8382% | 2,710 |
| Memoranda: | ||
| Average total assets | $144,148,330 | 4,101 |
| Average earning assets | $121,905,330 | 4,321 |
| Average equity | $27,901,000 | 2,410 |
| Average total loans | $96,090,330 | 4,114 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1537% | 6,474 |
| Cost of funding earning assets | 1.1209% | 7,478 |
| Net interest margin | 4.0329% | 2,523 |
| Noninterest income to average assets | 0.2372% | 6,561 |
| Noninterest expense to average assets | 7.6649% | 169 |
| Loan and lease loss provision to assets | 0.9757% | 1,332 |
| Net operating income to assets | -4.8449% | 8,028 |
| Return on assets (ROA) | -4.8248% | 8,022 |
| Pretax return on assets | -4.8248% | 7,972 |
| Return on Equity (ROE) | -20.1669% | 7,756 |
| Retained earnings to average equity (ytd only) | -20.1669% | 7,648 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 201.9366% | 184 |
| Assets per employee ($millions) | 2.7227% | 6,837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0117% | 6,101 |
| 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 | 67.0572% | 4,332 |
| Net loans and leases to deposits | 98.1180% | 1,646 |
| Net loans and leases to core deposits | 132.4988% | 1,504 |
| Total domestic deposits to total assets | 68.3434% | 7,570 |
| Equity capital to assets | 20.5618% | 386 |
| Core capital (leverage) ratio | 23.0847% | 277 |
| Tier 1 risk-based capital ratio | 22.2016% | 1,276 |
| Total risk-based capital ratio | 22.9494% | 1,306 |
| Memoranda: | ||
| Average total assets | $119,714,000 | 4,667 |
| Average earning assets | $105,632,000 | 4,759 |
| Average equity | $28,641,000 | 2,375 |
| Average total loans | $78,367,500 | 4,667 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5225% | 8,140 |
| Cost of funding earning assets | 0.7597% | 8,127 |
| Net interest margin | 2.7628% | 7,391 |
| Noninterest income to average assets | 0.2017% | 7,008 |
| Noninterest expense to average assets | 11.6161% | 114 |
| Loan and lease loss provision to assets | 0.9043% | 1,653 |
| Net operating income to assets | -9.9824% | 8,257 |
| Return on assets (ROA) | -9.9810% | 8,255 |
| Pretax return on assets | -9.9726% | 8,245 |
| Return on Equity (ROE) | -22.4068% | 7,807 |
| Retained earnings to average equity (ytd only) | -22.4068% | 7,742 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 456.1773% | 56 |
| Assets per employee ($millions) | 2.3475% | 7,492 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9936% | 6,116 |
| 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 | 61.8363% | 5,642 |
| Net loans and leases to deposits | 116.7038% | 496 |
| Net loans and leases to core deposits | 120.4700% | 2,642 |
| Total domestic deposits to total assets | 52.9857% | 8,099 |
| Equity capital to assets | 28.3565% | 192 |
| Core capital (leverage) ratio | 35.2142% | 136 |
| Tier 1 risk-based capital ratio | 32.6235% | 523 |
| Total risk-based capital ratio | 33.3427% | 532 |
| Memoranda: | ||
| Average total assets | $70,884,500 | 6,003 |
| Average earning assets | $60,155,500 | 6,165 |
| Average equity | $31,575,250 | 2,141 |
| Average total loans | $25,946,500 | 6,968 |