Home > Enterprise Bank NJ > Performance and Condition Ratios
Enterprise Bank NJ, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1737% | 663 |
| Cost of funding earning assets | 1.1397% | 341 |
| Net interest margin | 4.0340% | 1,843 |
| Noninterest income to average assets | 0.0872% | 5,252 |
| Noninterest expense to average assets | 2.1003% | 4,555 |
| Loan and lease loss provision to assets | 0.2520% | 622 |
| Net operating income to assets | 1.1693% | 2,368 |
| Return on assets (ROA) | 1.1693% | 2,375 |
| Pretax return on assets | 1.6136% | 1,536 |
| Return on Equity (ROE) | 9.5735% | 2,807 |
| Retained earnings to average equity (ytd only) | 9.5735% | 1,034 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9591% | 4,712 |
| Assets per employee ($millions) | 8.1429% | 621 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1494% | 2,906 |
| Loan loss allowance to noncurrent loans | 228.5393% | 2,039 |
| Noncurrent assets plus other real estate owned to assets | 0.9337% | 1,575 |
| Noncurrent loans to loans | 0.5029% | 2,879 |
| Net loans and leases to total assets | 94.7731% | 4 |
| Net loans and leases to deposits | 136.5008% | 28 |
| Net loans and leases to core deposits | 161.8079% | 86 |
| Total domestic deposits to total assets | 69.4304% | 5,243 |
| Equity capital to assets | 11.7682% | 2,055 |
| Core capital (leverage) ratio | 11.9396% | 1,821 |
| Tier 1 risk-based capital ratio | 13.6140% | 3,565 |
| Total risk-based capital ratio | 14.8646% | 3,472 |
| Memoranda: | ||
| Average total assets | $253,925,500 | 2,462 |
| Average earning assets | $244,153,500 | 2,399 |
| Average equity | $31,015,500 | 2,280 |
| Average total loans | $240,479,000 | 1,886 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0702% | 700 |
| Cost of funding earning assets | 1.0276% | 412 |
| Net interest margin | 4.0426% | 1,717 |
| Noninterest income to average assets | 0.0877% | 5,305 |
| Noninterest expense to average assets | 2.1374% | 4,521 |
| Loan and lease loss provision to assets | 0.2428% | 641 |
| Net operating income to assets | 1.1491% | 2,394 |
| Return on assets (ROA) | 1.1491% | 2,397 |
| Pretax return on assets | 1.5860% | 1,546 |
| Return on Equity (ROE) | 9.2806% | 2,907 |
| Retained earnings to average equity (ytd only) | 9.2806% | 1,136 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8903% | 4,705 |
| Assets per employee ($millions) | 7.7125% | 705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1506% | 2,977 |
| Loan loss allowance to noncurrent loans | 214.0194% | 2,153 |
| Noncurrent assets plus other real estate owned to assets | 0.9881% | 1,522 |
| Noncurrent loans to loans | 0.5376% | 2,804 |
| Net loans and leases to total assets | 94.0284% | 9 |
| Net loans and leases to deposits | 130.2836% | 43 |
| Net loans and leases to core deposits | 155.2493% | 97 |
| Total domestic deposits to total assets | 72.1721% | 5,171 |
| Equity capital to assets | 12.0198% | 1,842 |
| Core capital (leverage) ratio | 12.4777% | 1,452 |
| Tier 1 risk-based capital ratio | 14.0597% | 3,327 |
| Total risk-based capital ratio | 15.3103% | 3,248 |
| Memoranda: | ||
| Average total assets | $246,281,670 | 2,525 |
| Average earning assets | $236,283,670 | 2,462 |
| Average equity | $30,493,670 | 2,320 |
| Average total loans | $232,159,670 | 1,942 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9361% | 805 |
| Cost of funding earning assets | 0.9572% | 456 |
| Net interest margin | 3.9789% | 1,791 |
| Noninterest income to average assets | 0.0990% | 5,335 |
| Noninterest expense to average assets | 1.9756% | 4,895 |
| Loan and lease loss provision to assets | 0.2383% | 641 |
| Net operating income to assets | 1.2387% | 1,852 |
| Return on assets (ROA) | 1.2387% | 1,863 |
| Pretax return on assets | 1.7087% | 1,092 |
| Return on Equity (ROE) | 9.8462% | 2,512 |
| Retained earnings to average equity (ytd only) | 9.8462% | 1,210 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.3637% | 5,065 |
| Assets per employee ($millions) | 7.1677% | 899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1819% | 2,921 |
| Loan loss allowance to noncurrent loans | 200.6657% | 2,230 |
| Noncurrent assets plus other real estate owned to assets | 1.0677% | 1,460 |
| Noncurrent loans to loans | 0.5890% | 2,771 |
| Net loans and leases to total assets | 93.0809% | 12 |
| Net loans and leases to deposits | 121.2535% | 101 |
| Net loans and leases to core deposits | 138.7110% | 230 |
| Total domestic deposits to total assets | 76.7656% | 4,888 |
| Equity capital to assets | 12.4533% | 1,504 |
| Core capital (leverage) ratio | 12.7138% | 1,288 |
| Tier 1 risk-based capital ratio | 14.0876% | 3,332 |
| Total risk-based capital ratio | 15.3383% | 3,249 |
| Memoranda: | ||
| Average total assets | $238,309,500 | 2,598 |
| Average earning assets | $229,005,500 | 2,540 |
| Average equity | $29,981,000 | 2,370 |
| Average total loans | $223,521,000 | 2,009 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9377% | 734 |
| Cost of funding earning assets | 0.8664% | 447 |
| Net interest margin | 4.0713% | 1,528 |
| Noninterest income to average assets | 0.1172% | 5,348 |
| Noninterest expense to average assets | 2.2775% | 4,395 |
| Loan and lease loss provision to assets | 0.1123% | 2,024 |
| Net operating income to assets | 0.7178% | 3,528 |
| Return on assets (ROA) | 0.7178% | 3,573 |
| Pretax return on assets | 1.5984% | 1,290 |
| Return on Equity (ROE) | 5.5192% | 3,951 |
| Retained earnings to average equity (ytd only) | 5.5192% | 1,808 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1057% | 4,637 |
| Assets per employee ($millions) | 6.8505% | 1,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1821% | 2,884 |
| Loan loss allowance to noncurrent loans | 393.1193% | 1,349 |
| Noncurrent assets plus other real estate owned to assets | 0.8175% | 1,908 |
| Noncurrent loans to loans | 0.3007% | 3,700 |
| Net loans and leases to total assets | 92.2723% | 31 |
| Net loans and leases to deposits | 117.8202% | 132 |
| Net loans and leases to core deposits | 134.8558% | 275 |
| Total domestic deposits to total assets | 78.3162% | 4,665 |
| Equity capital to assets | 12.7140% | 1,398 |
| Core capital (leverage) ratio | 12.9238% | 1,169 |
| Tier 1 risk-based capital ratio | 14.6724% | 3,005 |
| Total risk-based capital ratio | 15.9234% | 2,934 |
| Memoranda: | ||
| Average total assets | $221,781,800 | 2,713 |
| Average earning assets | $210,868,000 | 2,656 |
| Average equity | $28,845,000 | 2,442 |
| Average total loans | $202,476,200 | 2,136 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9206% | 728 |
| Cost of funding earning assets | 0.8567% | 439 |
| Net interest margin | 4.0639% | 1,501 |
| Noninterest income to average assets | 0.1132% | 5,431 |
| Noninterest expense to average assets | 2.2362% | 4,453 |
| Loan and lease loss provision to assets | 0.0658% | 2,755 |
| Net operating income to assets | 0.9784% | 2,651 |
| Return on assets (ROA) | 0.9784% | 2,707 |
| Pretax return on assets | 1.6669% | 1,198 |
| Return on Equity (ROE) | 7.4778% | 3,402 |
| Retained earnings to average equity (ytd only) | 7.4778% | 1,440 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3430% | 4,699 |
| Assets per employee ($millions) | 6.5639% | 1,143 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1861% | 3,009 |
| Loan loss allowance to noncurrent loans | 433.9286% | 1,183 |
| Noncurrent assets plus other real estate owned to assets | 0.8110% | 2,120 |
| Noncurrent loans to loans | 0.2733% | 3,973 |
| Net loans and leases to total assets | 90.7130% | 60 |
| Net loans and leases to deposits | 114.6476% | 174 |
| Net loans and leases to core deposits | 130.1199% | 341 |
| Total domestic deposits to total assets | 79.1234% | 4,508 |
| Equity capital to assets | 13.2597% | 1,271 |
| Core capital (leverage) ratio | 13.2377% | 1,121 |
| Tier 1 risk-based capital ratio | 15.4044% | 2,747 |
| Total risk-based capital ratio | 16.6550% | 2,692 |
| Memoranda: | ||
| Average total assets | $218,998,250 | 2,762 |
| Average earning assets | $207,774,750 | 2,709 |
| Average equity | $28,653,000 | 2,470 |
| Average total loans | $198,723,250 | 2,171 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9011% | 693 |
| Cost of funding earning assets | 0.8431% | 416 |
| Net interest margin | 4.0580% | 1,438 |
| Noninterest income to average assets | 0.1149% | 5,463 |
| Noninterest expense to average assets | 2.2297% | 4,502 |
| Loan and lease loss provision to assets | 0.0901% | 2,178 |
| Net operating income to assets | 0.9770% | 2,541 |
| Return on assets (ROA) | 0.9770% | 2,588 |
| Pretax return on assets | 1.6351% | 1,239 |
| Return on Equity (ROE) | 7.5018% | 3,289 |
| Retained earnings to average equity (ytd only) | 7.5018% | 1,352 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.3793% | 4,783 |
| Assets per employee ($millions) | 7.0793% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1824% | 3,126 |
| Loan loss allowance to noncurrent loans | 2,122.8070% | 325 |
| Noncurrent assets plus other real estate owned to assets | 0.6021% | 2,765 |
| Noncurrent loans to loans | 0.0557% | 4,909 |
| Net loans and leases to total assets | 89.2798% | 105 |
| Net loans and leases to deposits | 112.5655% | 217 |
| Net loans and leases to core deposits | 126.4907% | 378 |
| Total domestic deposits to total assets | 79.3137% | 4,557 |
| Equity capital to assets | 12.8165% | 1,464 |
| Core capital (leverage) ratio | 13.0442% | 1,162 |
| Tier 1 risk-based capital ratio | 15.1411% | 2,869 |
| Total risk-based capital ratio | 16.3915% | 2,801 |
| Memoranda: | ||
| Average total assets | $217,606,670 | 2,790 |
| Average earning assets | $205,912,670 | 2,744 |
| Average equity | $28,340,000 | 2,484 |
| Average total loans | $196,672,000 | 2,199 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7767% | 790 |
| Cost of funding earning assets | 0.8300% | 409 |
| Net interest margin | 3.9466% | 1,614 |
| Noninterest income to average assets | 0.1126% | 5,545 |
| Noninterest expense to average assets | 2.2126% | 4,605 |
| Loan and lease loss provision to assets | 0.0769% | 2,276 |
| Net operating income to assets | 0.9177% | 2,674 |
| Return on assets (ROA) | 0.9177% | 2,729 |
| Pretax return on assets | 1.5351% | 1,426 |
| Return on Equity (ROE) | 6.9875% | 3,403 |
| Retained earnings to average equity (ytd only) | 6.9875% | 1,854 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8508% | 4,733 |
| Assets per employee ($millions) | 6.3640% | 1,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1998% | 3,138 |
| Loan loss allowance to noncurrent loans | 1,905.6452% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.6350% | 2,734 |
| Noncurrent loans to loans | 0.0630% | 4,948 |
| Net loans and leases to total assets | 89.9328% | 58 |
| Net loans and leases to deposits | 113.3020% | 155 |
| Net loans and leases to core deposits | 126.5323% | 310 |
| Total domestic deposits to total assets | 79.3744% | 4,750 |
| Equity capital to assets | 13.1428% | 1,204 |
| Core capital (leverage) ratio | 13.4037% | 1,005 |
| Tier 1 risk-based capital ratio | 15.3424% | 2,817 |
| Total risk-based capital ratio | 16.5931% | 2,748 |
| Memoranda: | ||
| Average total assets | $213,142,000 | 2,848 |
| Average earning assets | $200,474,500 | 2,824 |
| Average equity | $27,993,000 | 2,515 |
| Average total loans | $192,672,500 | 2,245 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9251% | 698 |
| Cost of funding earning assets | 0.8253% | 444 |
| Net interest margin | 4.0998% | 1,377 |
| Noninterest income to average assets | 0.1214% | 5,576 |
| Noninterest expense to average assets | 2.3101% | 4,534 |
| Loan and lease loss provision to assets | 0.1189% | 2,085 |
| Net operating income to assets | 0.9516% | 2,573 |
| Return on assets (ROA) | 0.9516% | 2,681 |
| Pretax return on assets | 1.5963% | 1,298 |
| Return on Equity (ROE) | 7.3412% | 3,299 |
| Retained earnings to average equity (ytd only) | 7.3412% | 1,097 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3897% | 4,916 |
| Assets per employee ($millions) | 6.1737% | 1,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2326% | 2,923 |
| Loan loss allowance to noncurrent loans | 955.5556% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.7113% | 2,596 |
| Noncurrent loans to loans | 0.1290% | 4,720 |
| Net loans and leases to total assets | 88.6421% | 110 |
| Net loans and leases to deposits | 113.4653% | 167 |
| Net loans and leases to core deposits | 125.7857% | 349 |
| Total domestic deposits to total assets | 78.1227% | 4,963 |
| Equity capital to assets | 13.1239% | 1,210 |
| Core capital (leverage) ratio | 13.2124% | 1,054 |
| Tier 1 risk-based capital ratio | 15.0985% | 2,925 |
| Total risk-based capital ratio | 16.3496% | 2,855 |
| Memoranda: | ||
| Average total assets | $202,718,800 | 2,928 |
| Average earning assets | $193,032,400 | 2,866 |
| Average equity | $26,276,200 | 2,616 |
| Average total loans | $185,815,600 | 2,252 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8904% | 741 |
| Cost of funding earning assets | 0.8256% | 435 |
| Net interest margin | 4.0648% | 1,486 |
| Noninterest income to average assets | 0.1175% | 5,651 |
| Noninterest expense to average assets | 2.3179% | 4,492 |
| Loan and lease loss provision to assets | 0.1546% | 1,503 |
| Net operating income to assets | 0.9158% | 2,829 |
| Return on assets (ROA) | 0.9158% | 2,952 |
| Pretax return on assets | 1.5362% | 1,591 |
| Return on Equity (ROE) | 7.0881% | 3,514 |
| Retained earnings to average equity (ytd only) | 7.0881% | 1,579 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8216% | 4,839 |
| Assets per employee ($millions) | 6.6877% | 1,007 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 3,184 |
| Loan loss allowance to noncurrent loans | 925.6000% | 627 |
| Noncurrent assets plus other real estate owned to assets | 0.7235% | 2,755 |
| Noncurrent loans to loans | 0.1306% | 4,816 |
| Net loans and leases to total assets | 91.2174% | 44 |
| Net loans and leases to deposits | 119.4878% | 116 |
| Net loans and leases to core deposits | 132.7132% | 267 |
| Total domestic deposits to total assets | 76.3403% | 5,189 |
| Equity capital to assets | 13.0118% | 1,484 |
| Core capital (leverage) ratio | 13.3126% | 1,065 |
| Tier 1 risk-based capital ratio | 14.6293% | 3,222 |
| Total risk-based capital ratio | 15.8798% | 3,164 |
| Memoranda: | ||
| Average total assets | $200,921,750 | 2,953 |
| Average earning assets | $192,345,500 | 2,888 |
| Average equity | $25,958,250 | 2,664 |
| Average total loans | $185,172,500 | 2,262 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9016% | 722 |
| Cost of funding earning assets | 0.8237% | 431 |
| Net interest margin | 4.0778% | 1,423 |
| Noninterest income to average assets | 0.1217% | 5,701 |
| Noninterest expense to average assets | 2.3442% | 4,485 |
| Loan and lease loss provision to assets | 0.1358% | 1,676 |
| Net operating income to assets | 0.9316% | 2,719 |
| Return on assets (ROA) | 0.9316% | 2,853 |
| Pretax return on assets | 1.5615% | 1,486 |
| Return on Equity (ROE) | 7.2290% | 3,408 |
| Retained earnings to average equity (ytd only) | 7.2290% | 1,499 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0035% | 4,901 |
| Assets per employee ($millions) | 6.2743% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2010% | 3,353 |
| Loan loss allowance to noncurrent loans | 984.8889% | 584 |
| Noncurrent assets plus other real estate owned to assets | 0.7346% | 2,783 |
| Noncurrent loans to loans | 0.1219% | 4,958 |
| Net loans and leases to total assets | 90.7967% | 48 |
| Net loans and leases to deposits | 115.1104% | 160 |
| Net loans and leases to core deposits | 128.7224% | 321 |
| Total domestic deposits to total assets | 78.8780% | 4,814 |
| Equity capital to assets | 13.0090% | 1,496 |
| Core capital (leverage) ratio | 12.9388% | 1,177 |
| Tier 1 risk-based capital ratio | 14.7729% | 3,169 |
| Total risk-based capital ratio | 16.0233% | 3,116 |
| Memoranda: | ||
| Average total assets | $198,789,330 | 2,987 |
| Average earning assets | $191,082,000 | 2,918 |
| Average equity | $25,619,000 | 2,696 |
| Average total loans | $183,088,330 | 2,284 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8146% | 818 |
| Cost of funding earning assets | 0.8231% | 435 |
| Net interest margin | 3.9915% | 1,635 |
| Noninterest income to average assets | 0.1496% | 5,591 |
| Noninterest expense to average assets | 2.2912% | 4,685 |
| Loan and lease loss provision to assets | 0.1476% | 1,432 |
| Net operating income to assets | 0.9262% | 2,615 |
| Return on assets (ROA) | 0.9262% | 2,725 |
| Pretax return on assets | 1.5551% | 1,420 |
| Return on Equity (ROE) | 7.2214% | 3,336 |
| Retained earnings to average equity (ytd only) | 7.2214% | 1,784 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3671% | 5,065 |
| Assets per employee ($millions) | 6.3370% | 1,196 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1578% | 3,723 |
| Loan loss allowance to noncurrent loans | 809.7744% | 675 |
| Noncurrent assets plus other real estate owned to assets | 0.7476% | 2,839 |
| Noncurrent loans to loans | 0.1430% | 4,906 |
| Net loans and leases to total assets | 90.6837% | 52 |
| Net loans and leases to deposits | 112.6948% | 171 |
| Net loans and leases to core deposits | 125.1392% | 350 |
| Total domestic deposits to total assets | 80.4684% | 4,645 |
| Equity capital to assets | 12.6322% | 1,598 |
| Core capital (leverage) ratio | 12.7257% | 1,262 |
| Tier 1 risk-based capital ratio | 14.4333% | 3,426 |
| Total risk-based capital ratio | 15.6696% | 3,370 |
| Memoranda: | ||
| Average total assets | $197,796,000 | 3,009 |
| Average earning assets | $190,504,000 | 2,924 |
| Average equity | $25,369,000 | 2,715 |
| Average total loans | $182,375,500 | 2,287 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9890% | 638 |
| Cost of funding earning assets | 0.7231% | 722 |
| Net interest margin | 4.2659% | 1,030 |
| Noninterest income to average assets | 0.1053% | 5,859 |
| Noninterest expense to average assets | 2.4933% | 4,247 |
| Loan and lease loss provision to assets | 0.2049% | 1,042 |
| Net operating income to assets | 0.8964% | 2,891 |
| Return on assets (ROA) | 0.8964% | 2,971 |
| Pretax return on assets | 1.5098% | 1,525 |
| Return on Equity (ROE) | 6.9973% | 3,519 |
| Retained earnings to average equity (ytd only) | 6.9973% | 1,282 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2523% | 4,999 |
| Assets per employee ($millions) | 6.6486% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1645% | 3,680 |
| Loan loss allowance to noncurrent loans | 1,342.5806% | 461 |
| Noncurrent assets plus other real estate owned to assets | 0.7287% | 2,874 |
| Noncurrent loans to loans | 0.0867% | 5,150 |
| Net loans and leases to total assets | 91.6062% | 27 |
| Net loans and leases to deposits | 116.4045% | 138 |
| Net loans and leases to core deposits | 128.5698% | 290 |
| Total domestic deposits to total assets | 78.6964% | 5,033 |
| Equity capital to assets | 13.0295% | 1,334 |
| Core capital (leverage) ratio | 13.2758% | 1,052 |
| Tier 1 risk-based capital ratio | 14.5715% | 3,404 |
| Total risk-based capital ratio | 15.8025% | 3,329 |
| Memoranda: | ||
| Average total assets | $176,711,000 | 3,209 |
| Average earning assets | $169,953,800 | 3,128 |
| Average equity | $22,637,200 | 2,911 |
| Average total loans | $161,756,000 | 2,449 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9609% | 672 |
| Cost of funding earning assets | 0.7048% | 818 |
| Net interest margin | 4.2561% | 1,047 |
| Noninterest income to average assets | 0.1027% | 5,956 |
| Noninterest expense to average assets | 2.4923% | 4,218 |
| Loan and lease loss provision to assets | 0.1899% | 1,072 |
| Net operating income to assets | 0.8964% | 2,978 |
| Return on assets (ROA) | 0.8964% | 3,067 |
| Pretax return on assets | 1.5094% | 1,657 |
| Return on Equity (ROE) | 7.0311% | 3,598 |
| Retained earnings to average equity (ytd only) | 7.0311% | 1,671 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4585% | 4,950 |
| Assets per employee ($millions) | 6.5689% | 1,042 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1455% | 3,958 |
| Loan loss allowance to noncurrent loans | 548.8827% | 944 |
| Noncurrent assets plus other real estate owned to assets | 0.8742% | 2,696 |
| Noncurrent loans to loans | 0.2087% | 4,812 |
| Net loans and leases to total assets | 92.1932% | 26 |
| Net loans and leases to deposits | 116.8045% | 140 |
| Net loans and leases to core deposits | 126.4955% | 329 |
| Total domestic deposits to total assets | 78.9295% | 4,996 |
| Equity capital to assets | 12.3275% | 1,854 |
| Core capital (leverage) ratio | 12.5107% | 1,413 |
| Tier 1 risk-based capital ratio | 13.6099% | 4,078 |
| Total risk-based capital ratio | 14.8185% | 4,026 |
| Memoranda: | ||
| Average total assets | $172,686,750 | 3,289 |
| Average earning assets | $165,906,250 | 3,201 |
| Average equity | $22,016,000 | 2,991 |
| Average total loans | $157,518,750 | 2,510 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9510% | 650 |
| Cost of funding earning assets | 0.6886% | 891 |
| Net interest margin | 4.2623% | 992 |
| Noninterest income to average assets | 0.0509% | 6,170 |
| Noninterest expense to average assets | 2.5216% | 4,169 |
| Loan and lease loss provision to assets | 0.1799% | 1,136 |
| Net operating income to assets | 0.8571% | 3,097 |
| Return on assets (ROA) | 0.8571% | 3,201 |
| Pretax return on assets | 1.4455% | 1,818 |
| Return on Equity (ROE) | 6.6432% | 3,812 |
| Retained earnings to average equity (ytd only) | 6.6432% | 1,878 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.8050% | 4,861 |
| Assets per employee ($millions) | 6.8885% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1612% | 4,017 |
| Loan loss allowance to noncurrent loans | 519.4444% | 1,009 |
| Noncurrent assets plus other real estate owned to assets | 0.8989% | 2,738 |
| Noncurrent loans to loans | 0.2235% | 4,888 |
| Net loans and leases to total assets | 88.8749% | 101 |
| Net loans and leases to deposits | 114.4749% | 169 |
| Net loans and leases to core deposits | 123.9961% | 376 |
| Total domestic deposits to total assets | 77.6371% | 5,353 |
| Equity capital to assets | 12.3981% | 1,723 |
| Core capital (leverage) ratio | 12.7243% | 1,286 |
| Tier 1 risk-based capital ratio | 14.2226% | 3,803 |
| Total risk-based capital ratio | 15.4511% | 3,741 |
| Memoranda: | ||
| Average total assets | $168,939,000 | 3,369 |
| Average earning assets | $162,352,330 | 3,267 |
| Average equity | $21,796,670 | 3,021 |
| Average total loans | $152,846,330 | 2,582 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9697% | 598 |
| Cost of funding earning assets | 0.6794% | 951 |
| Net interest margin | 4.2902% | 894 |
| Noninterest income to average assets | 0.0000% | 6,328 |
| Noninterest expense to average assets | 2.6608% | 3,717 |
| Loan and lease loss provision to assets | 0.1514% | 1,348 |
| Net operating income to assets | 0.7714% | 3,412 |
| Return on assets (ROA) | 0.7714% | 3,550 |
| Pretax return on assets | 1.3036% | 2,269 |
| Return on Equity (ROE) | 5.8539% | 4,109 |
| Retained earnings to average equity (ytd only) | 5.8539% | 2,578 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.6501% | 4,372 |
| Assets per employee ($millions) | 6.2916% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1684% | 4,154 |
| Loan loss allowance to noncurrent loans | 491.9890% | 1,019 |
| Noncurrent assets plus other real estate owned to assets | 0.9489% | 2,726 |
| Noncurrent loans to loans | 0.2375% | 4,927 |
| Net loans and leases to total assets | 88.6804% | 84 |
| Net loans and leases to deposits | 114.7659% | 149 |
| Net loans and leases to core deposits | 124.3573% | 318 |
| Total domestic deposits to total assets | 77.2707% | 5,571 |
| Equity capital to assets | 12.8137% | 1,505 |
| Core capital (leverage) ratio | 13.2740% | 1,061 |
| Tier 1 risk-based capital ratio | 15.0270% | 3,417 |
| Total risk-based capital ratio | 16.2756% | 3,349 |
| Memoranda: | ||
| Average total assets | $163,858,500 | 3,453 |
| Average earning assets | $157,194,000 | 3,362 |
| Average equity | $21,592,500 | 3,065 |
| Average total loans | $148,747,000 | 2,638 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2174% | 504 |
| Cost of funding earning assets | 0.7481% | 856 |
| Net interest margin | 4.4693% | 793 |
| Noninterest income to average assets | 0.0762% | 6,228 |
| Noninterest expense to average assets | 2.6273% | 4,125 |
| Loan and lease loss provision to assets | 0.1525% | 1,724 |
| Net operating income to assets | 0.9246% | 2,751 |
| Return on assets (ROA) | 0.9246% | 2,849 |
| Pretax return on assets | 1.5680% | 1,325 |
| Return on Equity (ROE) | 6.8329% | 3,730 |
| Retained earnings to average equity (ytd only) | 6.8329% | 1,485 |
| Net charge-offs to loans | 0.0015% | 4,950 |
| Credit loss provision to net charge-offs | 11,600.0000% | 24 |
| Earnings coverage of net charge-offs (x) | 1,309.0000% | 32 |
| Efficiency ratio | 60.4293% | 5,159 |
| Assets per employee ($millions) | 5.6373% | 1,661 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1850% | 4,101 |
| Loan loss allowance to noncurrent loans | 1,409.0164% | 453 |
| Noncurrent assets plus other real estate owned to assets | 0.9009% | 2,959 |
| Noncurrent loans to loans | 0.0841% | 5,549 |
| Net loans and leases to total assets | 90.8175% | 51 |
| Net loans and leases to deposits | 118.1206% | 113 |
| Net loans and leases to core deposits | 128.9838% | 261 |
| Total domestic deposits to total assets | 76.8854% | 5,616 |
| Equity capital to assets | 13.5691% | 1,126 |
| Core capital (leverage) ratio | 12.9605% | 1,158 |
| Tier 1 risk-based capital ratio | 15.7391% | 3,109 |
| Total risk-based capital ratio | 16.9897% | 3,040 |
| Memoranda: | ||
| Average total assets | $152,172,200 | 3,599 |
| Average earning assets | $145,437,000 | 3,515 |
| Average equity | $20,591,600 | 3,093 |
| Average total loans | $137,878,000 | 2,739 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1878% | 536 |
| Cost of funding earning assets | 0.7484% | 896 |
| Net interest margin | 4.4394% | 834 |
| Noninterest income to average assets | 0.1079% | 6,217 |
| Noninterest expense to average assets | 2.6117% | 4,160 |
| Loan and lease loss provision to assets | 0.1486% | 1,686 |
| Net operating income to assets | 0.9331% | 2,765 |
| Return on assets (ROA) | 0.9331% | 2,857 |
| Pretax return on assets | 1.5866% | 1,364 |
| Return on Equity (ROE) | 6.9003% | 3,751 |
| Retained earnings to average equity (ytd only) | 6.9003% | 1,867 |
| Net charge-offs to loans | 0.0020% | 4,647 |
| Credit loss provision to net charge-offs | 8,400.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 979.7491% | 78 |
| Efficiency ratio | 60.0814% | 5,170 |
| Assets per employee ($millions) | 6.2410% | 1,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1435% | 4,542 |
| Loan loss allowance to noncurrent loans | 1,324.0000% | 442 |
| Noncurrent assets plus other real estate owned to assets | 0.9152% | 3,149 |
| Noncurrent loans to loans | 0.0864% | 5,685 |
| Net loans and leases to total assets | 88.1761% | 104 |
| Net loans and leases to deposits | 115.2980% | 139 |
| Net loans and leases to core deposits | 126.1875% | 280 |
| Total domestic deposits to total assets | 76.4768% | 5,754 |
| Equity capital to assets | 12.9554% | 1,454 |
| Core capital (leverage) ratio | 13.0488% | 1,157 |
| Tier 1 risk-based capital ratio | 15.5135% | 3,311 |
| Total risk-based capital ratio | 16.7637% | 3,253 |
| Memoranda: | ||
| Average total assets | $150,754,250 | 3,649 |
| Average earning assets | $143,950,500 | 3,572 |
| Average equity | $20,385,000 | 3,129 |
| Average total loans | $136,080,250 | 2,774 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1158% | 602 |
| Cost of funding earning assets | 0.7420% | 957 |
| Net interest margin | 4.3738% | 892 |
| Noninterest income to average assets | 0.1116% | 6,234 |
| Noninterest expense to average assets | 2.6954% | 3,886 |
| Loan and lease loss provision to assets | 0.1484% | 1,664 |
| Net operating income to assets | 0.8549% | 3,049 |
| Return on assets (ROA) | 0.8549% | 3,147 |
| Pretax return on assets | 1.4566% | 1,686 |
| Return on Equity (ROE) | 6.2262% | 4,039 |
| Retained earnings to average equity (ytd only) | 6.2262% | 2,198 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.6781% | 4,914 |
| Assets per employee ($millions) | 5.7538% | 1,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1285% | 4,774 |
| Loan loss allowance to noncurrent loans | 841.0526% | 597 |
| Noncurrent assets plus other real estate owned to assets | 0.9977% | 3,067 |
| Noncurrent loans to loans | 0.1342% | 5,604 |
| Net loans and leases to total assets | 90.1244% | 46 |
| Net loans and leases to deposits | 117.8653% | 105 |
| Net loans and leases to core deposits | 129.4947% | 234 |
| Total domestic deposits to total assets | 76.4639% | 5,862 |
| Equity capital to assets | 13.2267% | 1,258 |
| Core capital (leverage) ratio | 13.6685% | 927 |
| Tier 1 risk-based capital ratio | 14.4516% | 3,960 |
| Total risk-based capital ratio | 15.6032% | 3,960 |
| Memoranda: | ||
| Average total assets | $146,917,330 | 3,731 |
| Average earning assets | $140,702,330 | 3,637 |
| Average equity | $20,172,670 | 3,153 |
| Average total loans | $133,195,670 | 2,815 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0662% | 631 |
| Cost of funding earning assets | 0.7418% | 1,000 |
| Net interest margin | 4.3245% | 955 |
| Noninterest income to average assets | 0.1934% | 5,801 |
| Noninterest expense to average assets | 2.7610% | 3,711 |
| Loan and lease loss provision to assets | 0.1345% | 1,801 |
| Net operating income to assets | 0.8157% | 3,077 |
| Return on assets (ROA) | 0.8157% | 3,150 |
| Pretax return on assets | 1.4324% | 1,633 |
| Return on Equity (ROE) | 5.8244% | 4,119 |
| Retained earnings to average equity (ytd only) | 5.8244% | 2,637 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7953% | 4,890 |
| Assets per employee ($millions) | 5.8407% | 1,416 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1550% | 4,840 |
| Loan loss allowance to noncurrent loans | 808.9474% | 626 |
| Noncurrent assets plus other real estate owned to assets | 1.0615% | 3,133 |
| Noncurrent loans to loans | 0.1428% | 5,667 |
| Net loans and leases to total assets | 90.0862% | 44 |
| Net loans and leases to deposits | 121.0027% | 67 |
| Net loans and leases to core deposits | 133.3475% | 162 |
| Total domestic deposits to total assets | 74.4497% | 6,203 |
| Equity capital to assets | 13.8065% | 985 |
| Core capital (leverage) ratio | 14.1375% | 779 |
| Tier 1 risk-based capital ratio | 15.0168% | 3,705 |
| Total risk-based capital ratio | 16.1907% | 3,696 |
| Memoranda: | ||
| Average total assets | $142,699,500 | 3,835 |
| Average earning assets | $136,433,500 | 3,723 |
| Average equity | $19,985,000 | 3,177 |
| Average total loans | $128,989,000 | 2,896 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0081% | 911 |
| Cost of funding earning assets | 0.7684% | 1,391 |
| Net interest margin | 4.2397% | 1,251 |
| Noninterest income to average assets | 0.1659% | 6,094 |
| Noninterest expense to average assets | 2.9827% | 3,103 |
| Loan and lease loss provision to assets | 0.2014% | 1,849 |
| Net operating income to assets | 0.5783% | 4,368 |
| Return on assets (ROA) | 0.5783% | 4,479 |
| Pretax return on assets | 1.0019% | 3,339 |
| Return on Equity (ROE) | 4.0433% | 5,089 |
| Retained earnings to average equity (ytd only) | 4.0433% | 3,313 |
| Net charge-offs to loans | 0.0499% | 4,526 |
| Credit loss provision to net charge-offs | 485.7143% | 475 |
| Earnings coverage of net charge-offs (x) | 29.0179% | 1,217 |
| Efficiency ratio | 71.2542% | 3,623 |
| Assets per employee ($millions) | 5.3608% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1922% | 4,701 |
| Loan loss allowance to noncurrent loans | 783.6842% | 639 |
| Noncurrent assets plus other real estate owned to assets | 1.1522% | 3,092 |
| Noncurrent loans to loans | 0.1521% | 5,740 |
| Net loans and leases to total assets | 88.5415% | 69 |
| Net loans and leases to deposits | 113.0190% | 123 |
| Net loans and leases to core deposits | 124.1762% | 266 |
| Total domestic deposits to total assets | 78.3421% | 5,773 |
| Equity capital to assets | 14.2128% | 847 |
| Core capital (leverage) ratio | 14.2847% | 747 |
| Tier 1 risk-based capital ratio | 15.4929% | 3,381 |
| Total risk-based capital ratio | 16.6870% | 3,358 |
| Memoranda: | ||
| Average total assets | $135,047,000 | 3,982 |
| Average earning assets | $128,052,400 | 3,888 |
| Average equity | $19,315,800 | 3,242 |
| Average total loans | $112,154,400 | 3,205 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9672% | 1,001 |
| Cost of funding earning assets | 0.7673% | 1,499 |
| Net interest margin | 4.1999% | 1,331 |
| Noninterest income to average assets | 0.1901% | 6,052 |
| Noninterest expense to average assets | 2.9828% | 3,048 |
| Loan and lease loss provision to assets | 0.2409% | 1,494 |
| Net operating income to assets | 0.5315% | 4,661 |
| Return on assets (ROA) | 0.5315% | 4,818 |
| Pretax return on assets | 0.9435% | 3,714 |
| Return on Equity (ROE) | 3.7097% | 5,352 |
| Retained earnings to average equity (ytd only) | 3.7097% | 4,054 |
| Net charge-offs to loans | 0.1725% | 2,845 |
| Credit loss provision to net charge-offs | 171.6312% | 1,389 |
| Earnings coverage of net charge-offs (x) | 8.4395% | 2,623 |
| Efficiency ratio | 71.5787% | 3,490 |
| Assets per employee ($millions) | 5.3451% | 1,800 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1641% | 5,050 |
| Loan loss allowance to noncurrent loans | 719.3717% | 656 |
| Noncurrent assets plus other real estate owned to assets | 1.1563% | 3,341 |
| Noncurrent loans to loans | 0.1618% | 5,830 |
| Net loans and leases to total assets | 83.9429% | 254 |
| Net loans and leases to deposits | 104.1543% | 291 |
| Net loans and leases to core deposits | 114.3919% | 436 |
| Total domestic deposits to total assets | 80.5948% | 5,338 |
| Equity capital to assets | 14.0517% | 954 |
| Core capital (leverage) ratio | 14.3553% | 777 |
| Tier 1 risk-based capital ratio | 15.9398% | 3,227 |
| Total risk-based capital ratio | 17.0924% | 3,229 |
| Memoranda: | ||
| Average total assets | $133,963,500 | 4,033 |
| Average earning assets | $126,855,750 | 3,942 |
| Average equity | $19,192,250 | 3,293 |
| Average total loans | $108,968,250 | 3,292 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9003% | 1,094 |
| Cost of funding earning assets | 0.7700% | 1,586 |
| Net interest margin | 4.1304% | 1,462 |
| Noninterest income to average assets | 0.1557% | 6,276 |
| Noninterest expense to average assets | 3.0387% | 2,881 |
| Loan and lease loss provision to assets | 0.2071% | 1,824 |
| Net operating income to assets | 0.4596% | 4,974 |
| Return on assets (ROA) | 0.4596% | 5,146 |
| Pretax return on assets | 0.8269% | 4,207 |
| Return on Equity (ROE) | 3.1865% | 5,551 |
| Retained earnings to average equity (ytd only) | 3.1865% | 4,287 |
| Net charge-offs to loans | 0.2662% | 2,144 |
| Credit loss provision to net charge-offs | 97.1631% | 2,299 |
| Earnings coverage of net charge-offs (x) | 4.8511% | 3,020 |
| Efficiency ratio | 74.6102% | 3,009 |
| Assets per employee ($millions) | 5.4233% | 1,663 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1420% | 5,273 |
| Loan loss allowance to noncurrent loans | 647.4490% | 684 |
| Noncurrent assets plus other real estate owned to assets | 1.2385% | 3,272 |
| Noncurrent loans to loans | 0.1764% | 5,876 |
| Net loans and leases to total assets | 84.3998% | 217 |
| Net loans and leases to deposits | 103.2598% | 288 |
| Net loans and leases to core deposits | 110.2255% | 558 |
| Total domestic deposits to total assets | 81.7354% | 5,134 |
| Equity capital to assets | 14.7927% | 762 |
| Core capital (leverage) ratio | 14.5025% | 700 |
| Tier 1 risk-based capital ratio | 16.7473% | 2,815 |
| Total risk-based capital ratio | 17.8889% | 2,838 |
| Memoranda: | ||
| Average total assets | $132,293,670 | 4,095 |
| Average earning assets | $125,461,000 | 4,002 |
| Average equity | $19,080,330 | 3,321 |
| Average total loans | $105,947,000 | 3,354 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8300% | 1,228 |
| Cost of funding earning assets | 0.7712% | 1,701 |
| Net interest margin | 4.0589% | 1,591 |
| Noninterest income to average assets | 0.1740% | 6,214 |
| Noninterest expense to average assets | 3.0264% | 2,898 |
| Loan and lease loss provision to assets | 0.1230% | 2,690 |
| Net operating income to assets | 0.4829% | 4,764 |
| Return on assets (ROA) | 0.4829% | 4,919 |
| Pretax return on assets | 0.8608% | 3,909 |
| Return on Equity (ROE) | 3.3906% | 5,396 |
| Retained earnings to average equity (ytd only) | 3.3906% | 4,222 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4675% | 3,012 |
| Assets per employee ($millions) | 5.3021% | 1,866 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2650% | 4,871 |
| Loan loss allowance to noncurrent loans | 83.9617% | 3,821 |
| Noncurrent assets plus other real estate owned to assets | 2.2489% | 2,078 |
| Noncurrent loans to loans | 1.5067% | 3,293 |
| Net loans and leases to total assets | 77.3706% | 679 |
| Net loans and leases to deposits | 93.9597% | 668 |
| Net loans and leases to core deposits | 100.0185% | 949 |
| Total domestic deposits to total assets | 82.3444% | 5,079 |
| Equity capital to assets | 14.4040% | 906 |
| Core capital (leverage) ratio | 14.2206% | 741 |
| Tier 1 risk-based capital ratio | 17.4534% | 2,580 |
| Total risk-based capital ratio | 18.6961% | 2,541 |
| Memoranda: | ||
| Average total assets | $133,361,000 | 4,115 |
| Average earning assets | $126,044,500 | 4,019 |
| Average equity | $18,993,500 | 3,379 |
| Average total loans | $103,359,000 | 3,431 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9578% | 1,665 |
| Cost of funding earning assets | 0.9199% | 1,817 |
| Net interest margin | 4.0379% | 2,242 |
| Noninterest income to average assets | 0.1855% | 6,068 |
| Noninterest expense to average assets | 2.9910% | 3,310 |
| Loan and lease loss provision to assets | 0.0913% | 4,539 |
| Net operating income to assets | 0.5206% | 4,597 |
| Return on assets (ROA) | 0.5264% | 4,841 |
| Pretax return on assets | 0.9525% | 3,733 |
| Return on Equity (ROE) | 3.7730% | 5,243 |
| Retained earnings to average equity (ytd only) | 3.7730% | 3,557 |
| Net charge-offs to loans | 0.4126% | 2,601 |
| Credit loss provision to net charge-offs | 29.0168% | 5,133 |
| Earnings coverage of net charge-offs (x) | 3.2902% | 3,784 |
| Efficiency ratio | 74.2975% | 3,024 |
| Assets per employee ($millions) | 5.1603% | 2,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2378% | 4,945 |
| Loan loss allowance to noncurrent loans | 112.0599% | 3,054 |
| Noncurrent assets plus other real estate owned to assets | 1.9021% | 2,565 |
| Noncurrent loans to loans | 1.1046% | 3,996 |
| Net loans and leases to total assets | 75.7060% | 961 |
| Net loans and leases to deposits | 91.5361% | 948 |
| Net loans and leases to core deposits | 97.0366% | 1,220 |
| Total domestic deposits to total assets | 82.7061% | 4,845 |
| Equity capital to assets | 14.0822% | 1,017 |
| Core capital (leverage) ratio | 14.1934% | 747 |
| Tier 1 risk-based capital ratio | 17.4739% | 2,462 |
| Total risk-based capital ratio | 18.6888% | 2,445 |
| Memoranda: | ||
| Average total assets | $132,597,000 | 4,092 |
| Average earning assets | $126,105,000 | 3,978 |
| Average equity | $18,500,000 | 3,406 |
| Average total loans | $101,066,800 | 3,491 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9675% | 1,781 |
| Cost of funding earning assets | 0.9601% | 1,785 |
| Net interest margin | 4.0074% | 2,475 |
| Noninterest income to average assets | 0.2269% | 5,931 |
| Noninterest expense to average assets | 2.9489% | 3,409 |
| Loan and lease loss provision to assets | 0.0756% | 4,703 |
| Net operating income to assets | 0.5752% | 4,494 |
| Return on assets (ROA) | 0.5829% | 4,741 |
| Pretax return on assets | 1.0368% | 3,576 |
| Return on Equity (ROE) | 4.1880% | 5,205 |
| Retained earnings to average equity (ytd only) | 4.1880% | 3,945 |
| Net charge-offs to loans | 0.5062% | 2,091 |
| Credit loss provision to net charge-offs | 19.6335% | 4,960 |
| Earnings coverage of net charge-offs (x) | 2.8560% | 3,896 |
| Efficiency ratio | 72.8269% | 3,179 |
| Assets per employee ($millions) | 4.9357% | 2,274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2390% | 5,099 |
| Loan loss allowance to noncurrent loans | 73.4148% | 4,090 |
| Noncurrent assets plus other real estate owned to assets | 2.7227% | 1,940 |
| Noncurrent loans to loans | 1.6877% | 3,262 |
| Net loans and leases to total assets | 78.3872% | 680 |
| Net loans and leases to deposits | 95.5843% | 683 |
| Net loans and leases to core deposits | 101.0315% | 1,052 |
| Total domestic deposits to total assets | 82.0085% | 5,019 |
| Equity capital to assets | 14.6275% | 930 |
| Core capital (leverage) ratio | 13.6503% | 964 |
| Tier 1 risk-based capital ratio | 16.8087% | 2,832 |
| Total risk-based capital ratio | 18.0153% | 2,817 |
| Memoranda: | ||
| Average total assets | $132,204,000 | 4,129 |
| Average earning assets | $126,096,750 | 4,013 |
| Average equity | $18,401,500 | 3,450 |
| Average total loans | $100,621,750 | 3,542 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9159% | 2,044 |
| Cost of funding earning assets | 1.0146% | 1,677 |
| Net interest margin | 3.9013% | 2,899 |
| Noninterest income to average assets | 0.2172% | 6,010 |
| Noninterest expense to average assets | 2.9364% | 3,490 |
| Loan and lease loss provision to assets | 0.1124% | 4,124 |
| Net operating income to assets | 0.5009% | 4,815 |
| Return on assets (ROA) | 0.5124% | 5,023 |
| Pretax return on assets | 0.9079% | 4,047 |
| Return on Equity (ROE) | 3.7421% | 5,387 |
| Retained earnings to average equity (ytd only) | 3.7421% | 4,115 |
| Net charge-offs to loans | 0.6746% | 1,639 |
| Credit loss provision to net charge-offs | 22.1893% | 4,571 |
| Earnings coverage of net charge-offs (x) | 1.9793% | 3,987 |
| Efficiency ratio | 74.5531% | 2,982 |
| Assets per employee ($millions) | 5.1283% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3108% | 4,848 |
| Loan loss allowance to noncurrent loans | 41.5924% | 5,576 |
| Noncurrent assets plus other real estate owned to assets | 2.7059% | 2,034 |
| Noncurrent loans to loans | 3.1514% | 1,853 |
| Net loans and leases to total assets | 73.7468% | 1,289 |
| Net loans and leases to deposits | 88.9583% | 1,261 |
| Net loans and leases to core deposits | 93.4084% | 1,658 |
| Total domestic deposits to total assets | 82.9003% | 4,792 |
| Equity capital to assets | 13.8680% | 1,156 |
| Core capital (leverage) ratio | 13.0170% | 1,146 |
| Tier 1 risk-based capital ratio | 16.9740% | 2,675 |
| Total risk-based capital ratio | 18.2247% | 2,637 |
| Memoranda: | ||
| Average total assets | $133,496,330 | 4,127 |
| Average earning assets | $127,341,000 | 4,008 |
| Average equity | $18,278,330 | 3,460 |
| Average total loans | $100,211,000 | 3,565 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9709% | 1,989 |
| Cost of funding earning assets | 1.0558% | 1,643 |
| Net interest margin | 3.9151% | 2,858 |
| Noninterest income to average assets | 0.1018% | 6,740 |
| Noninterest expense to average assets | 2.9616% | 3,418 |
| Loan and lease loss provision to assets | 0.2246% | 2,700 |
| Net operating income to assets | 0.3363% | 5,529 |
| Return on assets (ROA) | 0.3593% | 5,617 |
| Pretax return on assets | 0.6828% | 4,851 |
| Return on Equity (ROE) | 2.6414% | 5,847 |
| Retained earnings to average equity (ytd only) | 2.6414% | 4,936 |
| Net charge-offs to loans | 0.3184% | 2,370 |
| Credit loss provision to net charge-offs | 93.7500% | 2,477 |
| Earnings coverage of net charge-offs (x) | 3.6375% | 2,787 |
| Efficiency ratio | 77.2656% | 2,607 |
| Assets per employee ($millions) | 5.1763% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5546% | 3,916 |
| Loan loss allowance to noncurrent loans | 31.2737% | 6,108 |
| Noncurrent assets plus other real estate owned to assets | 3.7159% | 1,524 |
| Noncurrent loans to loans | 4.9709% | 1,135 |
| Net loans and leases to total assets | 73.5910% | 1,128 |
| Net loans and leases to deposits | 89.5448% | 1,003 |
| Net loans and leases to core deposits | 94.0132% | 1,466 |
| Total domestic deposits to total assets | 82.1835% | 5,232 |
| Equity capital to assets | 13.5567% | 1,216 |
| Core capital (leverage) ratio | 13.1420% | 1,072 |
| Tier 1 risk-based capital ratio | 16.8320% | 2,743 |
| Total risk-based capital ratio | 18.0847% | 2,703 |
| Memoranda: | ||
| Average total assets | $133,576,500 | 4,153 |
| Average earning assets | $127,301,500 | 4,034 |
| Average equity | $18,172,000 | 3,471 |
| Average total loans | $100,498,000 | 3,586 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2023% | 2,047 |
| Cost of funding earning assets | 1.1978% | 2,036 |
| Net interest margin | 4.0045% | 2,855 |
| Noninterest income to average assets | 0.1015% | 6,633 |
| Noninterest expense to average assets | 3.0936% | 3,218 |
| Loan and lease loss provision to assets | 0.1877% | 4,308 |
| Net operating income to assets | 0.3272% | 5,162 |
| Return on assets (ROA) | 0.3318% | 5,293 |
| Pretax return on assets | 0.6161% | 4,641 |
| Return on Equity (ROE) | 2.3164% | 5,539 |
| Retained earnings to average equity (ytd only) | 2.3164% | 4,564 |
| Net charge-offs to loans | 0.0032% | 6,406 |
| Credit loss provision to net charge-offs | 7,766.6667% | 27 |
| Earnings coverage of net charge-offs (x) | 329.6667% | 109 |
| Efficiency ratio | 79.5238% | 2,370 |
| Assets per employee ($millions) | 5.0988% | 2,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5629% | 3,736 |
| Loan loss allowance to noncurrent loans | 30.3834% | 6,172 |
| Noncurrent assets plus other real estate owned to assets | 4.1186% | 1,391 |
| Noncurrent loans to loans | 5.1439% | 1,084 |
| Net loans and leases to total assets | 74.5433% | 1,166 |
| Net loans and leases to deposits | 90.9126% | 1,066 |
| Net loans and leases to core deposits | 96.3703% | 1,465 |
| Total domestic deposits to total assets | 81.9944% | 5,130 |
| Equity capital to assets | 13.6524% | 1,192 |
| Core capital (leverage) ratio | 12.7961% | 1,223 |
| Tier 1 risk-based capital ratio | 16.2305% | 2,940 |
| Total risk-based capital ratio | 17.4924% | 2,903 |
| Memoranda: | ||
| Average total assets | $124,160,800 | 4,292 |
| Average earning assets | $117,467,800 | 4,198 |
| Average equity | $17,786,600 | 3,451 |
| Average total loans | $92,694,800 | 3,794 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2690% | 1,968 |
| Cost of funding earning assets | 1.2330% | 2,100 |
| Net interest margin | 4.0360% | 2,747 |
| Noninterest income to average assets | 0.1027% | 6,741 |
| Noninterest expense to average assets | 3.1132% | 3,110 |
| Loan and lease loss provision to assets | 0.1234% | 4,894 |
| Net operating income to assets | 0.3607% | 5,159 |
| Return on assets (ROA) | 0.3670% | 5,324 |
| Pretax return on assets | 0.6838% | 4,541 |
| Return on Equity (ROE) | 2.5298% | 5,612 |
| Retained earnings to average equity (ytd only) | 2.5298% | 4,851 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.6089% | 2,317 |
| Assets per employee ($millions) | 5.3802% | 1,725 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5316% | 3,954 |
| Loan loss allowance to noncurrent loans | 27.5888% | 6,377 |
| Noncurrent assets plus other real estate owned to assets | 4.3051% | 1,405 |
| Noncurrent loans to loans | 5.5514% | 1,062 |
| Net loans and leases to total assets | 72.2966% | 1,647 |
| Net loans and leases to deposits | 88.6653% | 1,358 |
| Net loans and leases to core deposits | 93.2868% | 1,848 |
| Total domestic deposits to total assets | 81.5388% | 5,242 |
| Equity capital to assets | 13.9423% | 1,177 |
| Core capital (leverage) ratio | 13.2868% | 1,113 |
| Tier 1 risk-based capital ratio | 16.8914% | 2,680 |
| Total risk-based capital ratio | 18.1441% | 2,651 |
| Memoranda: | ||
| Average total assets | $122,058,500 | 4,360 |
| Average earning assets | $115,160,250 | 4,280 |
| Average equity | $17,708,500 | 3,470 |
| Average total loans | $90,770,750 | 3,872 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2306% | 2,144 |
| Cost of funding earning assets | 1.2735% | 2,098 |
| Net interest margin | 3.9571% | 3,058 |
| Noninterest income to average assets | 0.0902% | 6,878 |
| Noninterest expense to average assets | 3.2631% | 2,688 |
| Loan and lease loss provision to assets | 0.0401% | 5,810 |
| Net operating income to assets | 0.3095% | 5,335 |
| Return on assets (ROA) | 0.3191% | 5,425 |
| Pretax return on assets | 0.5296% | 4,969 |
| Return on Equity (ROE) | 2.1692% | 5,737 |
| Retained earnings to average equity (ytd only) | 2.1692% | 4,908 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4705% | 1,653 |
| Assets per employee ($millions) | 5.1750% | 1,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4545% | 4,318 |
| Loan loss allowance to noncurrent loans | 28.7735% | 6,337 |
| Noncurrent assets plus other real estate owned to assets | 4.0523% | 1,578 |
| Noncurrent loans to loans | 5.0551% | 1,290 |
| Net loans and leases to total assets | 74.3513% | 1,349 |
| Net loans and leases to deposits | 93.7418% | 889 |
| Net loans and leases to core deposits | 97.9486% | 1,507 |
| Total domestic deposits to total assets | 79.3150% | 6,005 |
| Equity capital to assets | 14.3686% | 977 |
| Core capital (leverage) ratio | 13.4892% | 999 |
| Tier 1 risk-based capital ratio | 16.6764% | 2,658 |
| Total risk-based capital ratio | 17.9384% | 2,614 |
| Memoranda: | ||
| Average total assets | $119,703,000 | 4,465 |
| Average earning assets | $112,759,670 | 4,363 |
| Average equity | $17,610,330 | 3,475 |
| Average total loans | $89,426,000 | 3,953 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2036% | 2,210 |
| Cost of funding earning assets | 1.2856% | 2,269 |
| Net interest margin | 3.9180% | 3,057 |
| Noninterest income to average assets | 0.1124% | 6,851 |
| Noninterest expense to average assets | 3.5622% | 1,846 |
| Loan and lease loss provision to assets | 0.0817% | 4,982 |
| Net operating income to assets | 0.1737% | 5,874 |
| Return on assets (ROA) | 0.2043% | 5,834 |
| Pretax return on assets | 0.2043% | 5,933 |
| Return on Equity (ROE) | 1.3720% | 6,029 |
| Retained earnings to average equity (ytd only) | 1.3720% | 5,278 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.3095% | 1,077 |
| Assets per employee ($millions) | 5.4619% | 1,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5213% | 4,106 |
| Loan loss allowance to noncurrent loans | 28.7946% | 6,365 |
| Noncurrent assets plus other real estate owned to assets | 4.2060% | 1,566 |
| Noncurrent loans to loans | 5.2832% | 1,252 |
| Net loans and leases to total assets | 73.4822% | 1,423 |
| Net loans and leases to deposits | 95.2359% | 736 |
| Net loans and leases to core deposits | 99.7808% | 1,358 |
| Total domestic deposits to total assets | 77.1581% | 6,504 |
| Equity capital to assets | 14.6312% | 846 |
| Core capital (leverage) ratio | 13.7902% | 895 |
| Tier 1 risk-based capital ratio | 16.8987% | 2,520 |
| Total risk-based capital ratio | 18.1308% | 2,488 |
| Memoranda: | ||
| Average total assets | $117,454,000 | 4,550 |
| Average earning assets | $111,078,000 | 4,436 |
| Average equity | $17,492,500 | 3,491 |
| Average total loans | $87,285,000 | 4,040 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2953% | 3,152 |
| Cost of funding earning assets | 1.4323% | 3,061 |
| Net interest margin | 3.8631% | 3,674 |
| Noninterest income to average assets | 0.1281% | 6,757 |
| Noninterest expense to average assets | 3.2421% | 2,946 |
| Loan and lease loss provision to assets | 0.3190% | 4,258 |
| Net operating income to assets | 1.8185% | 395 |
| Return on assets (ROA) | 1.8380% | 414 |
| Pretax return on assets | 0.2854% | 5,272 |
| Return on Equity (ROE) | 16.5009% | 528 |
| Retained earnings to average equity (ytd only) | 16.5009% | 88 |
| Net charge-offs to loans | 0.1821% | 5,216 |
| Credit loss provision to net charge-offs | 256.0284% | 1,108 |
| Earnings coverage of net charge-offs (x) | 4.6950% | 2,843 |
| Efficiency ratio | 84.7148% | 1,834 |
| Assets per employee ($millions) | 5.2158% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5770% | 3,671 |
| Loan loss allowance to noncurrent loans | 27.7341% | 6,425 |
| Noncurrent assets plus other real estate owned to assets | 4.4838% | 1,492 |
| Noncurrent loans to loans | 5.6861% | 1,133 |
| Net loans and leases to total assets | 72.8298% | 1,918 |
| Net loans and leases to deposits | 95.4693% | 913 |
| Net loans and leases to core deposits | 98.9755% | 1,707 |
| Total domestic deposits to total assets | 76.2861% | 6,601 |
| Equity capital to assets | 15.1673% | 748 |
| Core capital (leverage) ratio | 13.7689% | 906 |
| Tier 1 risk-based capital ratio | 17.4625% | 2,190 |
| Total risk-based capital ratio | 18.7157% | 2,155 |
| Memoranda: | ||
| Average total assets | $113,167,200 | 4,633 |
| Average earning assets | $108,359,800 | 4,505 |
| Average equity | $12,605,400 | 4,460 |
| Average total loans | $77,440,400 | 4,408 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0978% | 4,326 |
| Cost of funding earning assets | 1.4628% | 3,201 |
| Net interest margin | 3.6349% | 4,703 |
| Noninterest income to average assets | 0.0792% | 7,137 |
| Noninterest expense to average assets | 3.3814% | 2,353 |
| Loan and lease loss provision to assets | 0.0768% | 6,277 |
| Net operating income to assets | 0.1111% | 5,743 |
| Return on assets (ROA) | 0.1371% | 5,834 |
| Pretax return on assets | 0.1371% | 5,857 |
| Return on Equity (ROE) | 1.3560% | 5,804 |
| Retained earnings to average equity (ytd only) | 1.3560% | 5,267 |
| Net charge-offs to loans | -0.0071% | 7,236 |
| Credit loss provision to net charge-offs | -1,625.0000% | 7,124 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7334% | 961 |
| Assets per employee ($millions) | 5.2419% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5339% | 3,809 |
| Loan loss allowance to noncurrent loans | 22.1600% | 6,806 |
| Noncurrent assets plus other real estate owned to assets | 4.9054% | 1,325 |
| Noncurrent loans to loans | 6.9221% | 821 |
| Net loans and leases to total assets | 66.1279% | 3,659 |
| Net loans and leases to deposits | 81.3553% | 3,207 |
| Net loans and leases to core deposits | 84.6280% | 3,857 |
| Total domestic deposits to total assets | 81.2828% | 5,271 |
| Equity capital to assets | 13.4623% | 1,366 |
| Core capital (leverage) ratio | 13.5969% | 1,030 |
| Tier 1 risk-based capital ratio | 17.9302% | 2,043 |
| Total risk-based capital ratio | 19.1824% | 2,007 |
| Memoranda: | ||
| Average total assets | $112,772,250 | 4,699 |
| Average earning assets | $108,280,250 | 4,563 |
| Average equity | $11,405,750 | 4,837 |
| Average total loans | $75,573,250 | 4,539 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1873% | 4,017 |
| Cost of funding earning assets | 1.5856% | 2,741 |
| Net interest margin | 3.6017% | 4,804 |
| Noninterest income to average assets | 0.0697% | 7,231 |
| Noninterest expense to average assets | 3.3309% | 2,459 |
| Loan and lease loss provision to assets | 0.0536% | 6,426 |
| Net operating income to assets | 0.1394% | 5,752 |
| Return on assets (ROA) | 0.1787% | 5,759 |
| Pretax return on assets | 0.1787% | 5,819 |
| Return on Equity (ROE) | 1.9935% | 5,636 |
| Retained earnings to average equity (ytd only) | 1.9935% | 4,866 |
| Net charge-offs to loans | -0.0107% | 7,200 |
| Credit loss provision to net charge-offs | -750.0000% | 6,868 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.5233% | 1,038 |
| Assets per employee ($millions) | 4.9429% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5177% | 3,827 |
| Loan loss allowance to noncurrent loans | 29.9714% | 6,369 |
| Noncurrent assets plus other real estate owned to assets | 3.8099% | 1,826 |
| Noncurrent loans to loans | 5.0639% | 1,357 |
| Net loans and leases to total assets | 68.8008% | 3,172 |
| Net loans and leases to deposits | 81.7840% | 3,303 |
| Net loans and leases to core deposits | 84.4310% | 4,082 |
| Total domestic deposits to total assets | 84.1250% | 4,050 |
| Equity capital to assets | 9.4204% | 4,835 |
| Core capital (leverage) ratio | 8.8267% | 4,870 |
| Tier 1 risk-based capital ratio | 11.9753% | 5,335 |
| Total risk-based capital ratio | 13.2272% | 5,297 |
| Memoranda: | ||
| Average total assets | $111,922,330 | 4,754 |
| Average earning assets | $107,339,000 | 4,616 |
| Average equity | $10,032,670 | 5,190 |
| Average total loans | $74,948,330 | 4,605 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0750% | 4,652 |
| Cost of funding earning assets | 1.6450% | 2,681 |
| Net interest margin | 3.4299% | 5,463 |
| Noninterest income to average assets | 0.0493% | 7,466 |
| Noninterest expense to average assets | 3.3300% | 2,431 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 0.0035% | 6,276 |
| Return on assets (ROA) | 0.0035% | 6,387 |
| Pretax return on assets | 0.0035% | 6,346 |
| Return on Equity (ROE) | 0.0403% | 6,393 |
| Retained earnings to average equity (ytd only) | 0.0403% | 5,806 |
| Net charge-offs to loans | -0.0215% | 7,090 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.8943% | 844 |
| Assets per employee ($millions) | 4.8728% | 2,406 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5266% | 3,769 |
| Loan loss allowance to noncurrent loans | 22.8206% | 6,863 |
| Noncurrent assets plus other real estate owned to assets | 4.6550% | 1,425 |
| Noncurrent loans to loans | 6.6898% | 925 |
| Net loans and leases to total assets | 64.6332% | 4,187 |
| Net loans and leases to deposits | 78.6478% | 3,912 |
| Net loans and leases to core deposits | 81.1719% | 4,600 |
| Total domestic deposits to total assets | 82.1805% | 4,994 |
| Equity capital to assets | 8.8977% | 5,414 |
| Core capital (leverage) ratio | 8.6633% | 5,088 |
| Tier 1 risk-based capital ratio | 12.2039% | 4,989 |
| Total risk-based capital ratio | 13.4164% | 4,990 |
| Memoranda: | ||
| Average total assets | $113,512,000 | 4,780 |
| Average earning assets | $108,690,000 | 4,641 |
| Average equity | $9,927,000 | 5,258 |
| Average total loans | $74,438,000 | 4,697 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8106% | 2,613 |
| Cost of funding earning assets | 2.2635% | 1,789 |
| Net interest margin | 3.5471% | 4,760 |
| Noninterest income to average assets | 0.0894% | 7,316 |
| Noninterest expense to average assets | 3.4493% | 2,530 |
| Loan and lease loss provision to assets | 1.7247% | 1,321 |
| Net operating income to assets | -1.7164% | 6,970 |
| Return on assets (ROA) | -1.6906% | 6,959 |
| Pretax return on assets | -1.6906% | 6,810 |
| Return on Equity (ROE) | -16.9895% | 7,029 |
| Retained earnings to average equity (ytd only) | -16.9895% | 6,985 |
| Net charge-offs to loans | 2.2039% | 1,082 |
| Credit loss provision to net charge-offs | 108.7740% | 5,084 |
| Earnings coverage of net charge-offs (x) | 0.0052% | 6,188 |
| Efficiency ratio | 99.7602% | 1,114 |
| Assets per employee ($millions) | 5.2250% | 1,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4857% | 3,803 |
| Loan loss allowance to noncurrent loans | 39.7513% | 5,762 |
| Noncurrent assets plus other real estate owned to assets | 2.7064% | 2,584 |
| Noncurrent loans to loans | 3.7376% | 2,009 |
| Net loans and leases to total assets | 64.5472% | 4,487 |
| Net loans and leases to deposits | 78.9254% | 4,185 |
| Net loans and leases to core deposits | 93.2768% | 4,749 |
| Total domestic deposits to total assets | 81.7825% | 5,042 |
| Equity capital to assets | 8.5968% | 5,731 |
| Core capital (leverage) ratio | 8.3392% | 5,546 |
| Tier 1 risk-based capital ratio | 11.7929% | 5,115 |
| Total risk-based capital ratio | 13.1628% | 4,974 |
| Memoranda: | ||
| Average total assets | $108,542,800 | 4,861 |
| Average earning assets | $103,070,200 | 4,758 |
| Average equity | $10,800,800 | 5,079 |
| Average total loans | $78,089,400 | 4,582 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9711% | 2,147 |
| Cost of funding earning assets | 2.4037% | 1,623 |
| Net interest margin | 3.5674% | 4,607 |
| Noninterest income to average assets | 0.0823% | 7,490 |
| Noninterest expense to average assets | 3.4660% | 2,370 |
| Loan and lease loss provision to assets | 1.0286% | 1,866 |
| Net operating income to assets | -1.0336% | 6,861 |
| Return on assets (ROA) | -0.9974% | 6,836 |
| Pretax return on assets | -0.9974% | 6,686 |
| Return on Equity (ROE) | -9.6699% | 6,870 |
| Retained earnings to average equity (ytd only) | -9.6699% | 6,773 |
| Net charge-offs to loans | 1.2879% | 1,598 |
| Credit loss provision to net charge-offs | 108.4100% | 4,689 |
| Earnings coverage of net charge-offs (x) | -0.0053% | 6,076 |
| Efficiency ratio | 100.1441% | 1,054 |
| Assets per employee ($millions) | 5.2534% | 1,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3173% | 4,395 |
| Loan loss allowance to noncurrent loans | 39.3893% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 2.2669% | 3,018 |
| Noncurrent loans to loans | 3.3443% | 2,259 |
| Net loans and leases to total assets | 66.8922% | 4,214 |
| Net loans and leases to deposits | 82.6748% | 3,895 |
| Net loans and leases to core deposits | 99.1484% | 4,467 |
| Total domestic deposits to total assets | 80.9101% | 5,117 |
| Equity capital to assets | 9.3853% | 4,905 |
| Core capital (leverage) ratio | 9.2682% | 4,235 |
| Tier 1 risk-based capital ratio | 12.5373% | 4,511 |
| Total risk-based capital ratio | 13.7592% | 4,488 |
| Memoranda: | ||
| Average total assets | $106,941,000 | 4,934 |
| Average earning assets | $101,285,750 | 4,839 |
| Average equity | $11,030,500 | 5,068 |
| Average total loans | $78,782,750 | 4,597 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1448% | 1,641 |
| Cost of funding earning assets | 2.6089% | 1,261 |
| Net interest margin | 3.5360% | 4,635 |
| Noninterest income to average assets | 0.0846% | 7,555 |
| Noninterest expense to average assets | 3.6074% | 2,051 |
| Loan and lease loss provision to assets | 1.5856% | 1,066 |
| Net operating income to assets | -1.7951% | 7,363 |
| Return on assets (ROA) | -1.7412% | 7,331 |
| Pretax return on assets | -1.7412% | 7,188 |
| Return on Equity (ROE) | -16.3366% | 7,396 |
| Retained earnings to average equity (ytd only) | -16.3366% | 7,321 |
| Net charge-offs to loans | 1.7484% | 1,088 |
| Credit loss provision to net charge-offs | 119.5652% | 3,889 |
| Earnings coverage of net charge-offs (x) | -0.1580% | 5,850 |
| Efficiency ratio | 106.1652% | 965 |
| Assets per employee ($millions) | 4.8516% | 2,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3625% | 3,924 |
| Loan loss allowance to noncurrent loans | 39.0442% | 5,800 |
| Noncurrent assets plus other real estate owned to assets | 2.5317% | 2,543 |
| Noncurrent loans to loans | 3.4895% | 2,013 |
| Net loans and leases to total assets | 71.5621% | 3,331 |
| Net loans and leases to deposits | 89.7680% | 2,869 |
| Net loans and leases to core deposits | 110.0842% | 3,366 |
| Total domestic deposits to total assets | 79.7190% | 5,557 |
| Equity capital to assets | 9.5128% | 4,597 |
| Core capital (leverage) ratio | 9.6588% | 3,687 |
| Tier 1 risk-based capital ratio | 12.1807% | 4,772 |
| Total risk-based capital ratio | 13.4113% | 4,700 |
| Memoranda: | ||
| Average total assets | $104,063,330 | 5,044 |
| Average earning assets | $97,512,670 | 4,965 |
| Average equity | $11,091,670 | 5,060 |
| Average total loans | $78,929,670 | 4,621 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5174% | 839 |
| Cost of funding earning assets | 2.7635% | 1,078 |
| Net interest margin | 3.7539% | 3,640 |
| Noninterest income to average assets | 0.1196% | 7,423 |
| Noninterest expense to average assets | 3.6729% | 1,703 |
| Loan and lease loss provision to assets | 0.8375% | 1,552 |
| Net operating income to assets | -0.9292% | 7,213 |
| Return on assets (ROA) | -0.8175% | 7,172 |
| Pretax return on assets | -0.8175% | 7,048 |
| Return on Equity (ROE) | -7.2374% | 7,170 |
| Retained earnings to average equity (ytd only) | -7.2374% | 6,821 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.5612% | 1,034 |
| Assets per employee ($millions) | 4.4919% | 2,733 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 2,930 |
| Loan loss allowance to noncurrent loans | 39.2333% | 5,927 |
| Noncurrent assets plus other real estate owned to assets | 2.9038% | 1,960 |
| Noncurrent loans to loans | 3.8470% | 1,595 |
| Net loans and leases to total assets | 74.3423% | 2,666 |
| Net loans and leases to deposits | 95.9128% | 1,963 |
| Net loans and leases to core deposits | 121.3729% | 2,301 |
| Total domestic deposits to total assets | 77.5103% | 6,146 |
| Equity capital to assets | 10.9133% | 3,051 |
| Core capital (leverage) ratio | 11.0884% | 2,440 |
| Tier 1 risk-based capital ratio | 13.4539% | 3,895 |
| Total risk-based capital ratio | 14.7056% | 3,814 |
| Memoranda: | ||
| Average total assets | $100,301,500 | 5,173 |
| Average earning assets | $92,491,500 | 5,130 |
| Average equity | $11,330,000 | 5,022 |
| Average total loans | $77,916,000 | 4,688 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6959% | 2,040 |
| Cost of funding earning assets | 2.9912% | 1,896 |
| Net interest margin | 3.7047% | 4,455 |
| Noninterest income to average assets | 0.1260% | 7,486 |
| Noninterest expense to average assets | 3.4389% | 2,555 |
| Loan and lease loss provision to assets | 0.4202% | 3,182 |
| Net operating income to assets | -0.1585% | 6,569 |
| Return on assets (ROA) | -0.1531% | 6,408 |
| Pretax return on assets | -0.1531% | 6,327 |
| Return on Equity (ROE) | -1.2542% | 6,396 |
| Retained earnings to average equity (ytd only) | -1.2542% | 5,668 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.9284% | 1,332 |
| Assets per employee ($millions) | 4.4222% | 2,746 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2421% | 4,219 |
| Loan loss allowance to noncurrent loans | 40.0414% | 6,057 |
| Noncurrent assets plus other real estate owned to assets | 2.4823% | 1,962 |
| Noncurrent loans to loans | 3.1022% | 1,718 |
| Net loans and leases to total assets | 79.0244% | 1,884 |
| Net loans and leases to deposits | 103.8806% | 1,353 |
| Net loans and leases to core deposits | 122.5446% | 2,444 |
| Total domestic deposits to total assets | 76.0723% | 6,220 |
| Equity capital to assets | 11.7022% | 2,499 |
| Core capital (leverage) ratio | 11.5540% | 2,219 |
| Tier 1 risk-based capital ratio | 13.7734% | 3,657 |
| Total risk-based capital ratio | 14.9614% | 3,612 |
| Memoranda: | ||
| Average total assets | $92,093,200 | 5,288 |
| Average earning assets | $88,860,800 | 5,122 |
| Average equity | $11,242,600 | 5,053 |
| Average total loans | $70,034,200 | 4,866 |