Home > Fairport Savings Bank > Performance and Condition Ratios
Fairport Savings Bank, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2463% | 3,078 |
| Cost of funding earning assets | 1.5206% | 243 |
| Net interest margin | 2.7257% | 4,644 |
| Noninterest income to average assets | 0.4272% | 2,926 |
| Noninterest expense to average assets | 3.2917% | 1,244 |
| Loan and lease loss provision to assets | 0.2061% | 1,482 |
| Net operating income to assets | -0.4297% | 4,915 |
| Return on assets (ROA) | -0.4297% | 4,888 |
| Pretax return on assets | -0.4909% | 4,887 |
| Return on Equity (ROE) | -4.6443% | 4,910 |
| Retained earnings to average equity (ytd only) | -4.6443% | 4,490 |
| Net charge-offs to loans | 0.2163% | 648 |
| Credit loss provision to net charge-offs | 110.0000% | 1,755 |
| Earnings coverage of net charge-offs (x) | -1.5200% | 2,501 |
| Efficiency ratio | 109.4724% | 149 |
| Assets per employee ($millions) | 5.2239% | 2,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5991% | 4,758 |
| Loan loss allowance to noncurrent loans | 195.2830% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.4952% | 2,510 |
| Noncurrent loans to loans | 0.3068% | 3,402 |
| Net loans and leases to total assets | 86.2262% | 126 |
| Net loans and leases to deposits | 117.6583% | 99 |
| Net loans and leases to core deposits | 129.0958% | 284 |
| Total domestic deposits to total assets | 73.2853% | 4,703 |
| Equity capital to assets | 9.2448% | 4,437 |
| Core capital (leverage) ratio | 9.0759% | 4,392 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | NA | NA |
| Memoranda: | ||
| Average total assets | $320,201,500 | 2,091 |
| Average earning assets | $303,037,500 | 2,061 |
| Average equity | $29,627,500 | 2,478 |
| Average total loans | $277,386,000 | 1,726 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3343% | 3,442 |
| Cost of funding earning assets | 1.6041% | 297 |
| Net interest margin | 2.7302% | 4,816 |
| Noninterest income to average assets | 0.5007% | 2,738 |
| Noninterest expense to average assets | 3.0640% | 1,842 |
| Loan and lease loss provision to assets | 0.0910% | 2,205 |
| Net operating income to assets | -0.0324% | 4,983 |
| Return on assets (ROA) | -0.0324% | 4,999 |
| Pretax return on assets | -0.0635% | 4,995 |
| Return on Equity (ROE) | -0.3512% | 5,004 |
| Retained earnings to average equity (ytd only) | -0.3512% | 4,747 |
| Net charge-offs to loans | 0.0763% | 2,004 |
| Credit loss provision to net charge-offs | 137.2093% | 1,876 |
| Earnings coverage of net charge-offs (x) | 0.4140% | 3,615 |
| Efficiency ratio | 99.1124% | 170 |
| Assets per employee ($millions) | 4.5964% | 3,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5895% | 4,761 |
| Loan loss allowance to noncurrent loans | 154.9575% | 2,542 |
| Noncurrent assets plus other real estate owned to assets | 0.5560% | 2,224 |
| Noncurrent loans to loans | 0.3805% | 3,072 |
| Net loans and leases to total assets | 86.0024% | 164 |
| Net loans and leases to deposits | 117.4655% | 96 |
| Net loans and leases to core deposits | 128.6192% | 293 |
| Total domestic deposits to total assets | 73.2150% | 4,816 |
| Equity capital to assets | 9.2607% | 4,522 |
| Core capital (leverage) ratio | 9.0090% | 4,527 |
| Tier 1 risk-based capital ratio | 14.5018% | 3,015 |
| Total risk-based capital ratio | 15.3185% | 3,141 |
| Memoranda: | ||
| Average total assets | $324,349,600 | 2,012 |
| Average earning assets | $307,776,200 | 1,981 |
| Average equity | $29,899,000 | 2,401 |
| Average total loans | $281,966,400 | 1,682 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3487% | 3,516 |
| Cost of funding earning assets | 1.6003% | 296 |
| Net interest margin | 2.7485% | 4,896 |
| Noninterest income to average assets | 0.4652% | 2,931 |
| Noninterest expense to average assets | 2.8914% | 2,290 |
| Loan and lease loss provision to assets | 0.0718% | 2,441 |
| Net operating income to assets | 0.1124% | 5,011 |
| Return on assets (ROA) | 0.1124% | 5,026 |
| Pretax return on assets | 0.1112% | 5,033 |
| Return on Equity (ROE) | 1.2208% | 4,993 |
| Retained earnings to average equity (ytd only) | 1.2208% | 4,511 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0486% | 230 |
| Assets per employee ($millions) | 4.6160% | 3,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6153% | 4,783 |
| Loan loss allowance to noncurrent loans | 166.2835% | 2,416 |
| Noncurrent assets plus other real estate owned to assets | 0.3231% | 3,254 |
| Noncurrent loans to loans | 0.3700% | 3,231 |
| Net loans and leases to total assets | 86.7830% | 148 |
| Net loans and leases to deposits | 120.4035% | 93 |
| Net loans and leases to core deposits | 135.0604% | 238 |
| Total domestic deposits to total assets | 72.0768% | 4,915 |
| Equity capital to assets | 9.3302% | 4,575 |
| Core capital (leverage) ratio | 9.1281% | 4,535 |
| Tier 1 risk-based capital ratio | 15.6155% | 2,595 |
| Total risk-based capital ratio | 16.5285% | 2,655 |
| Memoranda: | ||
| Average total assets | $325,000,250 | 2,017 |
| Average earning assets | $308,527,250 | 1,984 |
| Average equity | $29,924,750 | 2,414 |
| Average total loans | $282,870,250 | 1,690 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3262% | 3,556 |
| Cost of funding earning assets | 1.5753% | 297 |
| Net interest margin | 2.7509% | 4,967 |
| Noninterest income to average assets | 0.4164% | 3,163 |
| Noninterest expense to average assets | 2.8566% | 2,394 |
| Loan and lease loss provision to assets | 0.0614% | 2,595 |
| Net operating income to assets | 0.1149% | 5,048 |
| Return on assets (ROA) | 0.1149% | 5,061 |
| Pretax return on assets | 0.1099% | 5,066 |
| Return on Equity (ROE) | 1.2529% | 5,023 |
| Retained earnings to average equity (ytd only) | 1.2529% | 4,365 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3408% | 233 |
| Assets per employee ($millions) | 4.4563% | 3,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5897% | 4,890 |
| Loan loss allowance to noncurrent loans | 126.2158% | 2,939 |
| Noncurrent assets plus other real estate owned to assets | 0.4045% | 2,886 |
| Noncurrent loans to loans | 0.4672% | 2,882 |
| Net loans and leases to total assets | 86.0694% | 211 |
| Net loans and leases to deposits | 120.4378% | 84 |
| Net loans and leases to core deposits | 134.4294% | 251 |
| Total domestic deposits to total assets | 71.4638% | 4,997 |
| Equity capital to assets | 9.2290% | 4,628 |
| Core capital (leverage) ratio | 9.1318% | 4,522 |
| Tier 1 risk-based capital ratio | 14.8463% | 2,897 |
| Total risk-based capital ratio | 15.6792% | 3,016 |
| Memoranda: | ||
| Average total assets | $325,626,330 | 2,020 |
| Average earning assets | $309,138,670 | 1,988 |
| Average equity | $29,850,330 | 2,406 |
| Average total loans | $283,110,000 | 1,700 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3365% | 3,441 |
| Cost of funding earning assets | 1.5441% | 281 |
| Net interest margin | 2.7923% | 4,995 |
| Noninterest income to average assets | 0.4076% | 3,138 |
| Noninterest expense to average assets | 2.8178% | 2,509 |
| Loan and lease loss provision to assets | 0.0921% | 1,880 |
| Net operating income to assets | 0.1486% | 5,056 |
| Return on assets (ROA) | 0.1486% | 5,062 |
| Pretax return on assets | 0.1510% | 5,069 |
| Return on Equity (ROE) | 1.6261% | 5,008 |
| Retained earnings to average equity (ytd only) | 1.6261% | 4,160 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.0578% | 325 |
| Assets per employee ($millions) | 4.6428% | 2,985 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5797% | 4,972 |
| Loan loss allowance to noncurrent loans | 470.1149% | 1,103 |
| Noncurrent assets plus other real estate owned to assets | 0.1071% | 4,272 |
| Noncurrent loans to loans | 0.1233% | 4,189 |
| Net loans and leases to total assets | 86.3380% | 168 |
| Net loans and leases to deposits | 124.4836% | 61 |
| Net loans and leases to core deposits | 138.5269% | 198 |
| Total domestic deposits to total assets | 69.3569% | 5,128 |
| Equity capital to assets | 9.1899% | 4,545 |
| Core capital (leverage) ratio | 9.1200% | 4,552 |
| Tier 1 risk-based capital ratio | 14.9017% | 2,920 |
| Total risk-based capital ratio | 15.7285% | 3,035 |
| Memoranda: | ||
| Average total assets | $325,783,000 | 2,035 |
| Average earning assets | $309,561,500 | 2,002 |
| Average equity | $29,764,000 | 2,418 |
| Average total loans | $283,837,000 | 1,701 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2469% | 3,285 |
| Cost of funding earning assets | 1.3067% | 209 |
| Net interest margin | 2.9402% | 4,864 |
| Noninterest income to average assets | 0.7205% | 1,771 |
| Noninterest expense to average assets | 3.2279% | 1,487 |
| Loan and lease loss provision to assets | 0.0938% | 2,273 |
| Net operating income to assets | 0.1872% | 5,120 |
| Return on assets (ROA) | 0.1872% | 5,115 |
| Pretax return on assets | 0.1972% | 5,118 |
| Return on Equity (ROE) | 2.0394% | 5,040 |
| Retained earnings to average equity (ytd only) | 2.0394% | 4,342 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7303% | 288 |
| Assets per employee ($millions) | 4.3543% | 3,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5469% | 5,067 |
| Loan loss allowance to noncurrent loans | 1,561.0000% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.0306% | 4,704 |
| Noncurrent loans to loans | 0.0350% | 4,616 |
| Net loans and leases to total assets | 86.9283% | 174 |
| Net loans and leases to deposits | 127.5170% | 55 |
| Net loans and leases to core deposits | 138.0811% | 217 |
| Total domestic deposits to total assets | 68.1700% | 5,203 |
| Equity capital to assets | 9.0826% | 4,504 |
| Core capital (leverage) ratio | 9.0691% | 4,583 |
| Tier 1 risk-based capital ratio | 14.9054% | 2,872 |
| Total risk-based capital ratio | 15.6985% | 2,996 |
| Memoranda: | ||
| Average total assets | $319,929,400 | 2,043 |
| Average earning assets | $304,504,800 | 1,999 |
| Average equity | $29,371,400 | 2,370 |
| Average total loans | $277,365,000 | 1,684 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2151% | 3,267 |
| Cost of funding earning assets | 1.2431% | 200 |
| Net interest margin | 2.9719% | 4,885 |
| Noninterest income to average assets | 0.7381% | 1,723 |
| Noninterest expense to average assets | 3.2684% | 1,373 |
| Loan and lease loss provision to assets | 0.0943% | 2,092 |
| Net operating income to assets | 0.1927% | 5,199 |
| Return on assets (ROA) | 0.1927% | 5,194 |
| Pretax return on assets | 0.2028% | 5,201 |
| Return on Equity (ROE) | 2.0933% | 5,121 |
| Retained earnings to average equity (ytd only) | 2.0933% | 4,549 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6696% | 288 |
| Assets per employee ($millions) | 4.1701% | 3,617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5210% | 5,163 |
| Loan loss allowance to noncurrent loans | 1,486.0000% | 421 |
| Noncurrent assets plus other real estate owned to assets | 0.0307% | 4,833 |
| Noncurrent loans to loans | 0.0351% | 4,737 |
| Net loans and leases to total assets | 87.2305% | 172 |
| Net loans and leases to deposits | 129.3281% | 50 |
| Net loans and leases to core deposits | 139.5246% | 214 |
| Total domestic deposits to total assets | 67.4490% | 5,294 |
| Equity capital to assets | 9.0409% | 4,516 |
| Core capital (leverage) ratio | 9.1414% | 4,572 |
| Tier 1 risk-based capital ratio | 14.8615% | 2,941 |
| Total risk-based capital ratio | 15.6157% | 3,098 |
| Memoranda: | ||
| Average total assets | $318,269,500 | 2,066 |
| Average earning assets | $302,780,250 | 2,023 |
| Average equity | $29,299,000 | 2,383 |
| Average total loans | $275,345,750 | 1,701 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1600% | 3,241 |
| Cost of funding earning assets | 1.1736% | 202 |
| Net interest margin | 2.9864% | 4,896 |
| Noninterest income to average assets | 0.6856% | 1,928 |
| Noninterest expense to average assets | 3.1766% | 1,594 |
| Loan and lease loss provision to assets | 0.0950% | 2,032 |
| Net operating income to assets | 0.2330% | 5,196 |
| Return on assets (ROA) | 0.2330% | 5,191 |
| Pretax return on assets | 0.2538% | 5,202 |
| Return on Equity (ROE) | 2.5151% | 5,093 |
| Retained earnings to average equity (ytd only) | 2.5151% | 4,251 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1059% | 364 |
| Assets per employee ($millions) | 3.8339% | 4,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5052% | 5,253 |
| Loan loss allowance to noncurrent loans | 2,565.4545% | 276 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 4,948 |
| Noncurrent loans to loans | 0.0197% | 4,848 |
| Net loans and leases to total assets | 86.2863% | 241 |
| Net loans and leases to deposits | 125.1887% | 70 |
| Net loans and leases to core deposits | 134.8493% | 254 |
| Total domestic deposits to total assets | 68.9251% | 5,313 |
| Equity capital to assets | 9.1043% | 4,477 |
| Core capital (leverage) ratio | 9.3376% | 4,319 |
| Tier 1 risk-based capital ratio | 15.0646% | 2,842 |
| Total risk-based capital ratio | 15.7930% | 3,016 |
| Memoranda: | ||
| Average total assets | $315,936,670 | 2,089 |
| Average earning assets | $300,432,000 | 2,044 |
| Average equity | $29,263,000 | 2,395 |
| Average total loans | $272,054,670 | 1,724 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1445% | 3,076 |
| Cost of funding earning assets | 1.1336% | 188 |
| Net interest margin | 3.0109% | 4,862 |
| Noninterest income to average assets | 0.7377% | 1,669 |
| Noninterest expense to average assets | 3.2268% | 1,510 |
| Loan and lease loss provision to assets | 0.0959% | 1,915 |
| Net operating income to assets | 0.2493% | 5,181 |
| Return on assets (ROA) | 0.2493% | 5,183 |
| Pretax return on assets | 0.2774% | 5,183 |
| Return on Equity (ROE) | 2.6681% | 5,080 |
| Retained earnings to average equity (ytd only) | 2.6681% | 4,112 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6307% | 459 |
| Assets per employee ($millions) | 3.9107% | 4,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4946% | 5,336 |
| Loan loss allowance to noncurrent loans | 1,468.1319% | 441 |
| Noncurrent assets plus other real estate owned to assets | 0.0291% | 4,964 |
| Noncurrent loans to loans | 0.0337% | 4,819 |
| Net loans and leases to total assets | 85.9157% | 267 |
| Net loans and leases to deposits | 124.0029% | 77 |
| Net loans and leases to core deposits | 133.7876% | 286 |
| Total domestic deposits to total assets | 69.2853% | 5,384 |
| Equity capital to assets | 9.3645% | 4,216 |
| Core capital (leverage) ratio | 9.4548% | 4,116 |
| Tier 1 risk-based capital ratio | 15.6095% | 2,626 |
| Total risk-based capital ratio | 16.3247% | 2,771 |
| Memoranda: | ||
| Average total assets | $312,883,000 | 2,128 |
| Average earning assets | $297,453,000 | 2,077 |
| Average equity | $29,234,500 | 2,419 |
| Average total loans | $268,436,500 | 1,750 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0698% | 3,169 |
| Cost of funding earning assets | 1.0051% | 205 |
| Net interest margin | 3.0647% | 4,758 |
| Noninterest income to average assets | 1.0443% | 930 |
| Noninterest expense to average assets | 3.5094% | 1,014 |
| Loan and lease loss provision to assets | 0.0929% | 2,343 |
| Net operating income to assets | 0.1927% | 5,127 |
| Return on assets (ROA) | 0.1927% | 5,142 |
| Pretax return on assets | 0.3463% | 5,161 |
| Return on Equity (ROE) | 1.9426% | 5,068 |
| Retained earnings to average equity (ytd only) | 1.9426% | 4,162 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.8773% | 482 |
| Assets per employee ($millions) | 3.5967% | 4,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4727% | 5,420 |
| Loan loss allowance to noncurrent loans | 824.1830% | 738 |
| Noncurrent assets plus other real estate owned to assets | 0.0489% | 4,890 |
| Noncurrent loans to loans | 0.0574% | 4,739 |
| Net loans and leases to total assets | 84.8434% | 360 |
| Net loans and leases to deposits | 122.5154% | 89 |
| Net loans and leases to core deposits | 130.5536% | 327 |
| Total domestic deposits to total assets | 69.2512% | 5,436 |
| Equity capital to assets | 9.3227% | 4,405 |
| Core capital (leverage) ratio | 9.5114% | 4,037 |
| Tier 1 risk-based capital ratio | 15.5055% | 2,626 |
| Total risk-based capital ratio | 16.1804% | 2,811 |
| Memoranda: | ||
| Average total assets | $291,677,400 | 2,209 |
| Average earning assets | $276,403,800 | 2,178 |
| Average equity | $28,930,800 | 2,433 |
| Average total loans | $248,163,400 | 1,828 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0389% | 3,216 |
| Cost of funding earning assets | 0.9716% | 224 |
| Net interest margin | 3.0673% | 4,783 |
| Noninterest income to average assets | 1.0890% | 859 |
| Noninterest expense to average assets | 3.5585% | 909 |
| Loan and lease loss provision to assets | 0.0913% | 2,248 |
| Net operating income to assets | 0.2626% | 5,281 |
| Return on assets (ROA) | 0.2626% | 5,296 |
| Pretax return on assets | 0.3436% | 5,270 |
| Return on Equity (ROE) | 2.6047% | 5,199 |
| Retained earnings to average equity (ytd only) | 2.6047% | 4,330 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.1104% | 447 |
| Assets per employee ($millions) | 3.5632% | 4,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4588% | 5,510 |
| Loan loss allowance to noncurrent loans | 1,151.4563% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.0340% | 5,066 |
| Noncurrent loans to loans | 0.0398% | 4,936 |
| Net loans and leases to total assets | 84.9498% | 344 |
| Net loans and leases to deposits | 128.9304% | 46 |
| Net loans and leases to core deposits | 134.5003% | 277 |
| Total domestic deposits to total assets | 65.8881% | 5,587 |
| Equity capital to assets | 9.6496% | 4,295 |
| Core capital (leverage) ratio | 9.8211% | 3,795 |
| Tier 1 risk-based capital ratio | 15.7638% | 2,604 |
| Total risk-based capital ratio | 16.4134% | 2,785 |
| Memoranda: | ||
| Average total assets | $286,368,500 | 2,263 |
| Average earning assets | $271,159,000 | 2,221 |
| Average equity | $28,870,500 | 2,453 |
| Average total loans | $243,517,500 | 1,865 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9797% | 3,285 |
| Cost of funding earning assets | 0.9434% | 234 |
| Net interest margin | 3.0363% | 4,830 |
| Noninterest income to average assets | 1.0489% | 927 |
| Noninterest expense to average assets | 3.5697% | 907 |
| Loan and lease loss provision to assets | 0.0798% | 2,391 |
| Net operating income to assets | 0.2279% | 5,355 |
| Return on assets (ROA) | 0.2279% | 5,371 |
| Pretax return on assets | 0.2734% | 5,367 |
| Return on Equity (ROE) | 2.2259% | 5,299 |
| Retained earnings to average equity (ytd only) | 2.2259% | 4,342 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9966% | 400 |
| Assets per employee ($millions) | 3.3139% | 4,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4487% | 5,565 |
| Loan loss allowance to noncurrent loans | 2,978.3784% | 225 |
| Noncurrent assets plus other real estate owned to assets | 0.0128% | 5,240 |
| Noncurrent loans to loans | 0.0151% | 5,113 |
| Net loans and leases to total assets | 84.8009% | 361 |
| Net loans and leases to deposits | 121.1291% | 87 |
| Net loans and leases to core deposits | 126.5212% | 377 |
| Total domestic deposits to total assets | 70.0087% | 5,534 |
| Equity capital to assets | 10.0501% | 3,851 |
| Core capital (leverage) ratio | 9.9954% | 3,545 |
| Tier 1 risk-based capital ratio | 16.5123% | 2,318 |
| Total risk-based capital ratio | 17.1506% | 2,484 |
| Memoranda: | ||
| Average total assets | $280,866,670 | 2,310 |
| Average earning assets | $265,849,000 | 2,261 |
| Average equity | $28,752,000 | 2,454 |
| Average total loans | $238,531,000 | 1,899 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9344% | 3,261 |
| Cost of funding earning assets | 0.9016% | 280 |
| Net interest margin | 3.0328% | 4,826 |
| Noninterest income to average assets | 0.7794% | 1,625 |
| Noninterest expense to average assets | 3.5591% | 961 |
| Loan and lease loss provision to assets | 0.0751% | 2,304 |
| Net operating income to assets | 0.0548% | 5,565 |
| Return on assets (ROA) | 0.0548% | 5,572 |
| Pretax return on assets | 0.0144% | 5,593 |
| Return on Equity (ROE) | 0.5307% | 5,562 |
| Retained earnings to average equity (ytd only) | 0.5307% | 4,799 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.5475% | 280 |
| Assets per employee ($millions) | 3.4151% | 4,912 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4328% | 5,662 |
| Loan loss allowance to noncurrent loans | 2,816.2162% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0131% | 5,301 |
| Noncurrent loans to loans | 0.0154% | 5,178 |
| Net loans and leases to total assets | 84.5717% | 321 |
| Net loans and leases to deposits | 128.4066% | 41 |
| Net loans and leases to core deposits | 133.6811% | 219 |
| Total domestic deposits to total assets | 65.8624% | 5,715 |
| Equity capital to assets | 10.1149% | 3,607 |
| Core capital (leverage) ratio | 10.3880% | 3,021 |
| Tier 1 risk-based capital ratio | 17.0031% | 2,178 |
| Total risk-based capital ratio | 17.6294% | 2,348 |
| Memoranda: | ||
| Average total assets | $277,146,500 | 2,350 |
| Average earning assets | $262,198,000 | 2,303 |
| Average equity | $28,640,500 | 2,470 |
| Average total loans | $235,002,000 | 1,927 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9508% | 3,383 |
| Cost of funding earning assets | 0.8619% | 363 |
| Net interest margin | 3.0889% | 4,758 |
| Noninterest income to average assets | 1.1564% | 851 |
| Noninterest expense to average assets | 3.5296% | 1,115 |
| Loan and lease loss provision to assets | 0.0683% | 3,002 |
| Net operating income to assets | 0.3718% | 5,030 |
| Return on assets (ROA) | 0.3822% | 5,083 |
| Pretax return on assets | 0.5048% | 5,017 |
| Return on Equity (ROE) | 4.2735% | 4,748 |
| Retained earnings to average equity (ytd only) | 4.2735% | 2,868 |
| Net charge-offs to loans | 0.0005% | 4,272 |
| Credit loss provision to net charge-offs | 18,000.0000% | 20 |
| Earnings coverage of net charge-offs (x) | 1,474.0000% | 39 |
| Efficiency ratio | 86.3189% | 798 |
| Assets per employee ($millions) | 3.3437% | 4,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4319% | 5,714 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 84.2752% | 361 |
| Net loans and leases to deposits | 124.7723% | 56 |
| Net loans and leases to core deposits | 130.2892% | 283 |
| Total domestic deposits to total assets | 67.5432% | 5,728 |
| Equity capital to assets | 10.5634% | 3,085 |
| Core capital (leverage) ratio | 10.6982% | 2,658 |
| Tier 1 risk-based capital ratio | 17.8265% | 1,899 |
| Total risk-based capital ratio | 18.4506% | 2,048 |
| Memoranda: | ||
| Average total assets | $263,487,000 | 2,406 |
| Average earning assets | $250,151,400 | 2,353 |
| Average equity | $23,564,000 | 2,840 |
| Average total loans | $216,685,200 | 1,994 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9384% | 3,464 |
| Cost of funding earning assets | 0.8613% | 361 |
| Net interest margin | 3.0771% | 4,835 |
| Noninterest income to average assets | 1.1236% | 911 |
| Noninterest expense to average assets | 3.6812% | 879 |
| Loan and lease loss provision to assets | 0.0688% | 2,847 |
| Net operating income to assets | 0.2399% | 5,403 |
| Return on assets (ROA) | 0.2548% | 5,451 |
| Pretax return on assets | 0.3159% | 5,441 |
| Return on Equity (ROE) | 2.9891% | 5,220 |
| Retained earnings to average equity (ytd only) | 2.9891% | 4,123 |
| Net charge-offs to loans | 0.0006% | 3,936 |
| Credit loss provision to net charge-offs | 13,500.0000% | 31 |
| Earnings coverage of net charge-offs (x) | 720.7820% | 125 |
| Efficiency ratio | 90.9480% | 513 |
| Assets per employee ($millions) | 3.2108% | 5,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4294% | 5,778 |
| Loan loss allowance to noncurrent loans | 5,250.0000% | 142 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 5,505 |
| Noncurrent loans to loans | 0.0082% | 5,378 |
| Net loans and leases to total assets | 85.3106% | 302 |
| Net loans and leases to deposits | 122.7449% | 87 |
| Net loans and leases to core deposits | 129.0709% | 314 |
| Total domestic deposits to total assets | 69.5024% | 5,723 |
| Equity capital to assets | 10.9773% | 3,033 |
| Core capital (leverage) ratio | 10.6452% | 2,832 |
| Tier 1 risk-based capital ratio | 18.2761% | 1,842 |
| Total risk-based capital ratio | 18.8991% | 1,984 |
| Memoranda: | ||
| Average total assets | $261,648,750 | 2,433 |
| Average earning assets | $248,624,250 | 2,384 |
| Average equity | $22,302,500 | 2,987 |
| Average total loans | $213,546,250 | 2,024 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8428% | 3,798 |
| Cost of funding earning assets | 0.8728% | 330 |
| Net interest margin | 2.9700% | 5,132 |
| Noninterest income to average assets | 0.9550% | 1,229 |
| Noninterest expense to average assets | 3.5207% | 1,131 |
| Loan and lease loss provision to assets | 0.0684% | 2,772 |
| Net operating income to assets | 0.1664% | 5,586 |
| Return on assets (ROA) | 0.1664% | 5,637 |
| Pretax return on assets | 0.1892% | 5,628 |
| Return on Equity (ROE) | 2.1536% | 5,474 |
| Retained earnings to average equity (ytd only) | 2.1536% | 4,494 |
| Net charge-offs to loans | 0.0009% | 3,671 |
| Credit loss provision to net charge-offs | 9,000.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 339.0000% | 202 |
| Efficiency ratio | 93.1832% | 442 |
| Assets per employee ($millions) | 3.5729% | 4,645 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4145% | 5,868 |
| Loan loss allowance to noncurrent loans | 661.7647% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.0488% | 5,366 |
| Noncurrent loans to loans | 0.0626% | 5,200 |
| Net loans and leases to total assets | 77.5840% | 1,251 |
| Net loans and leases to deposits | 102.0686% | 558 |
| Net loans and leases to core deposits | 106.3637% | 1,148 |
| Total domestic deposits to total assets | 76.0116% | 5,283 |
| Equity capital to assets | 7.3804% | 5,932 |
| Core capital (leverage) ratio | 7.7353% | 5,836 |
| Tier 1 risk-based capital ratio | 13.5967% | 3,838 |
| Total risk-based capital ratio | 14.2049% | 4,135 |
| Memoranda: | ||
| Average total assets | $263,243,000 | 2,432 |
| Average earning assets | $250,234,330 | 2,379 |
| Average equity | $20,337,670 | 3,161 |
| Average total loans | $211,368,670 | 2,043 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9179% | 3,519 |
| Cost of funding earning assets | 0.8996% | 295 |
| Net interest margin | 3.0183% | 5,074 |
| Noninterest income to average assets | 0.8688% | 1,385 |
| Noninterest expense to average assets | 3.5394% | 1,114 |
| Loan and lease loss provision to assets | 0.0704% | 2,542 |
| Net operating income to assets | 0.1393% | 5,624 |
| Return on assets (ROA) | 0.1393% | 5,677 |
| Pretax return on assets | 0.1268% | 5,710 |
| Return on Equity (ROE) | 1.7604% | 5,558 |
| Retained earnings to average equity (ytd only) | 1.7604% | 4,564 |
| Net charge-offs to loans | 0.0019% | 3,055 |
| Credit loss provision to net charge-offs | 4,500.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 126.0000% | 455 |
| Efficiency ratio | 94.7214% | 426 |
| Assets per employee ($millions) | 3.2886% | 5,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4062% | 5,942 |
| Loan loss allowance to noncurrent loans | 628.6765% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.0530% | 5,402 |
| Noncurrent loans to loans | 0.0646% | 5,221 |
| Net loans and leases to total assets | 81.7181% | 597 |
| Net loans and leases to deposits | 111.7416% | 193 |
| Net loans and leases to core deposits | 117.0537% | 563 |
| Total domestic deposits to total assets | 73.1313% | 5,687 |
| Equity capital to assets | 7.9373% | 5,845 |
| Core capital (leverage) ratio | 7.8155% | 5,845 |
| Tier 1 risk-based capital ratio | 14.1810% | 3,580 |
| Total risk-based capital ratio | 14.7867% | 3,885 |
| Memoranda: | ||
| Average total assets | $255,522,000 | 2,497 |
| Average earning assets | $242,784,500 | 2,444 |
| Average equity | $20,222,500 | 3,176 |
| Average total loans | $208,495,500 | 2,068 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9563% | 3,489 |
| Cost of funding earning assets | 0.8448% | 383 |
| Net interest margin | 3.1115% | 4,875 |
| Noninterest income to average assets | 0.9118% | 1,403 |
| Noninterest expense to average assets | 3.5918% | 1,141 |
| Loan and lease loss provision to assets | 0.0636% | 3,023 |
| Net operating income to assets | 0.1662% | 5,648 |
| Return on assets (ROA) | 0.1999% | 5,637 |
| Pretax return on assets | 0.2546% | 5,605 |
| Return on Equity (ROE) | 2.6142% | 5,425 |
| Retained earnings to average equity (ytd only) | 2.6142% | 4,212 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.8757% | 535 |
| Assets per employee ($millions) | 3.2633% | 5,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3927% | 6,003 |
| Loan loss allowance to noncurrent loans | 989.0244% | 602 |
| Noncurrent assets plus other real estate owned to assets | 0.0322% | 5,561 |
| Noncurrent loans to loans | 0.0397% | 5,361 |
| Net loans and leases to total assets | 80.8183% | 733 |
| Net loans and leases to deposits | 110.8584% | 225 |
| Net loans and leases to core deposits | 117.9117% | 543 |
| Total domestic deposits to total assets | 72.9022% | 5,739 |
| Equity capital to assets | 7.8909% | 5,892 |
| Core capital (leverage) ratio | 7.8471% | 5,893 |
| Tier 1 risk-based capital ratio | 14.5326% | 3,432 |
| Total risk-based capital ratio | 15.1235% | 3,717 |
| Memoranda: | ||
| Average total assets | $248,622,200 | 2,517 |
| Average earning assets | $236,157,600 | 2,454 |
| Average equity | $19,011,800 | 3,261 |
| Average total loans | $199,548,600 | 2,074 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9594% | 3,494 |
| Cost of funding earning assets | 0.8299% | 423 |
| Net interest margin | 3.1295% | 4,885 |
| Noninterest income to average assets | 0.8233% | 1,713 |
| Noninterest expense to average assets | 3.5363% | 1,218 |
| Loan and lease loss provision to assets | 0.0610% | 2,963 |
| Net operating income to assets | 0.1566% | 5,758 |
| Return on assets (ROA) | 0.2018% | 5,735 |
| Pretax return on assets | 0.2552% | 5,714 |
| Return on Equity (ROE) | 2.6604% | 5,496 |
| Retained earnings to average equity (ytd only) | 2.6604% | 4,521 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.1770% | 515 |
| Assets per employee ($millions) | 3.4278% | 4,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3734% | 6,102 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 81.6732% | 618 |
| Net loans and leases to deposits | 113.4506% | 178 |
| Net loans and leases to core deposits | 120.0771% | 466 |
| Total domestic deposits to total assets | 71.9901% | 5,860 |
| Equity capital to assets | 7.9939% | 5,957 |
| Core capital (leverage) ratio | 7.9416% | 5,933 |
| Tier 1 risk-based capital ratio | 14.6759% | 3,453 |
| Total risk-based capital ratio | 15.2424% | 3,794 |
| Memoranda: | ||
| Average total assets | $247,144,250 | 2,548 |
| Average earning assets | $234,710,250 | 2,484 |
| Average equity | $18,743,500 | 3,314 |
| Average total loans | $197,805,500 | 2,095 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8930% | 3,720 |
| Cost of funding earning assets | 0.8082% | 476 |
| Net interest margin | 3.0848% | 5,000 |
| Noninterest income to average assets | 0.7094% | 2,175 |
| Noninterest expense to average assets | 3.5008% | 1,295 |
| Loan and lease loss provision to assets | 0.0609% | 2,886 |
| Net operating income to assets | 0.0878% | 5,889 |
| Return on assets (ROA) | 0.0878% | 5,931 |
| Pretax return on assets | 0.0788% | 5,951 |
| Return on Equity (ROE) | 1.1788% | 5,870 |
| Retained earnings to average equity (ytd only) | 1.1788% | 5,092 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.1607% | 435 |
| Assets per employee ($millions) | 3.4915% | 4,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3627% | 6,178 |
| Loan loss allowance to noncurrent loans | 1,300.0000% | 448 |
| Noncurrent assets plus other real estate owned to assets | 0.0223% | 5,804 |
| Noncurrent loans to loans | 0.0279% | 5,646 |
| Net loans and leases to total assets | 79.5637% | 862 |
| Net loans and leases to deposits | 112.5690% | 211 |
| Net loans and leases to core deposits | 117.4113% | 544 |
| Total domestic deposits to total assets | 70.6799% | 6,008 |
| Equity capital to assets | 7.8249% | 6,037 |
| Core capital (leverage) ratio | 7.8187% | 6,011 |
| Tier 1 risk-based capital ratio | 14.5341% | 3,616 |
| Total risk-based capital ratio | 15.0730% | 3,952 |
| Memoranda: | ||
| Average total assets | $246,116,000 | 2,573 |
| Average earning assets | $233,854,670 | 2,507 |
| Average equity | $18,323,670 | 3,380 |
| Average total loans | $195,362,000 | 2,126 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8643% | 3,768 |
| Cost of funding earning assets | 0.8023% | 492 |
| Net interest margin | 3.0620% | 5,055 |
| Noninterest income to average assets | 0.6539% | 2,387 |
| Noninterest expense to average assets | 3.3991% | 1,488 |
| Loan and lease loss provision to assets | 0.0624% | 2,678 |
| Net operating income to assets | 0.1068% | 5,860 |
| Return on assets (ROA) | 0.1068% | 5,920 |
| Pretax return on assets | 0.1019% | 5,941 |
| Return on Equity (ROE) | 1.4731% | 5,813 |
| Retained earnings to average equity (ytd only) | 1.4731% | 4,896 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.3896% | 528 |
| Assets per employee ($millions) | 3.3890% | 5,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3582% | 6,258 |
| Loan loss allowance to noncurrent loans | 933.7838% | 573 |
| Noncurrent assets plus other real estate owned to assets | 0.0303% | 5,820 |
| Noncurrent loans to loans | 0.0384% | 5,632 |
| Net loans and leases to total assets | 78.7701% | 828 |
| Net loans and leases to deposits | 109.0048% | 234 |
| Net loans and leases to core deposits | 114.4648% | 561 |
| Total domestic deposits to total assets | 72.2630% | 6,028 |
| Equity capital to assets | 7.2509% | 6,231 |
| Core capital (leverage) ratio | 7.3128% | 6,198 |
| Tier 1 risk-based capital ratio | 14.6462% | 3,625 |
| Total risk-based capital ratio | 15.2133% | 3,965 |
| Memoranda: | ||
| Average total assets | $243,478,500 | 2,609 |
| Average earning assets | $231,349,000 | 2,541 |
| Average equity | $17,650,000 | 3,503 |
| Average total loans | $192,671,000 | 2,153 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9699% | 3,840 |
| Cost of funding earning assets | 0.8135% | 605 |
| Net interest margin | 3.1564% | 5,054 |
| Noninterest income to average assets | 0.9009% | 1,500 |
| Noninterest expense to average assets | 3.4635% | 1,566 |
| Loan and lease loss provision to assets | 0.0532% | 3,492 |
| Net operating income to assets | 0.2591% | 5,631 |
| Return on assets (ROA) | 0.2599% | 5,690 |
| Pretax return on assets | 0.3865% | 5,518 |
| Return on Equity (ROE) | 3.6686% | 5,245 |
| Retained earnings to average equity (ytd only) | 3.6686% | 3,614 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7624% | 931 |
| Assets per employee ($millions) | 3.3743% | 5,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3393% | 6,363 |
| Loan loss allowance to noncurrent loans | 882.4324% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0305% | 5,923 |
| Noncurrent loans to loans | 0.0385% | 5,726 |
| Net loans and leases to total assets | 78.9436% | 888 |
| Net loans and leases to deposits | 109.4029% | 255 |
| Net loans and leases to core deposits | 114.6253% | 574 |
| Total domestic deposits to total assets | 72.1585% | 6,070 |
| Equity capital to assets | 7.2473% | 6,292 |
| Core capital (leverage) ratio | 7.2369% | 6,265 |
| Tier 1 risk-based capital ratio | 14.6483% | 3,699 |
| Total risk-based capital ratio | 15.1928% | 4,064 |
| Memoranda: | ||
| Average total assets | $238,544,800 | 2,627 |
| Average earning assets | $226,806,400 | 2,555 |
| Average equity | $16,900,200 | 3,542 |
| Average total loans | $185,186,000 | 2,170 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9593% | 3,931 |
| Cost of funding earning assets | 0.8210% | 620 |
| Net interest margin | 3.1383% | 5,151 |
| Noninterest income to average assets | 0.8423% | 1,736 |
| Noninterest expense to average assets | 3.4253% | 1,601 |
| Loan and lease loss provision to assets | 0.0505% | 3,361 |
| Net operating income to assets | 0.2364% | 5,762 |
| Return on assets (ROA) | 0.2375% | 5,819 |
| Pretax return on assets | 0.3515% | 5,673 |
| Return on Equity (ROE) | 3.3724% | 5,400 |
| Retained earnings to average equity (ytd only) | 3.3724% | 4,216 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.5347% | 877 |
| Assets per employee ($millions) | 3.3247% | 5,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3254% | 6,458 |
| Loan loss allowance to noncurrent loans | 387.4214% | 1,228 |
| Noncurrent assets plus other real estate owned to assets | 0.0664% | 5,887 |
| Noncurrent loans to loans | 0.0840% | 5,694 |
| Net loans and leases to total assets | 78.8352% | 855 |
| Net loans and leases to deposits | 106.6663% | 304 |
| Net loans and leases to core deposits | 111.7034% | 673 |
| Total domestic deposits to total assets | 73.9083% | 6,023 |
| Equity capital to assets | 7.2329% | 6,351 |
| Core capital (leverage) ratio | 7.2475% | 6,341 |
| Tier 1 risk-based capital ratio | 14.5107% | 3,876 |
| Total risk-based capital ratio | 15.0264% | 4,304 |
| Memoranda: | ||
| Average total assets | $237,444,250 | 2,651 |
| Average earning assets | $225,723,500 | 2,582 |
| Average equity | $16,723,500 | 3,587 |
| Average total loans | $183,371,500 | 2,198 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9166% | 4,069 |
| Cost of funding earning assets | 0.8233% | 636 |
| Net interest margin | 3.0933% | 5,272 |
| Noninterest income to average assets | 0.7112% | 2,221 |
| Noninterest expense to average assets | 3.3463% | 1,813 |
| Loan and lease loss provision to assets | 0.0507% | 3,288 |
| Net operating income to assets | 0.1816% | 5,886 |
| Return on assets (ROA) | 0.1816% | 5,932 |
| Pretax return on assets | 0.2559% | 5,859 |
| Return on Equity (ROE) | 2.6019% | 5,659 |
| Retained earnings to average equity (ytd only) | 2.6019% | 4,541 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6069% | 788 |
| Assets per employee ($millions) | 3.2805% | 5,292 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3182% | 6,531 |
| Loan loss allowance to noncurrent loans | 1,046.4286% | 507 |
| Noncurrent assets plus other real estate owned to assets | 0.0234% | 6,150 |
| Noncurrent loans to loans | 0.0304% | 5,968 |
| Net loans and leases to total assets | 76.6585% | 1,090 |
| Net loans and leases to deposits | 100.3016% | 543 |
| Net loans and leases to core deposits | 105.3254% | 941 |
| Total domestic deposits to total assets | 76.4280% | 5,866 |
| Equity capital to assets | 7.1298% | 6,424 |
| Core capital (leverage) ratio | 7.1517% | 6,403 |
| Tier 1 risk-based capital ratio | 14.5857% | 3,874 |
| Total risk-based capital ratio | 15.0853% | 4,317 |
| Memoranda: | ||
| Average total assets | $236,799,330 | 2,662 |
| Average earning assets | $225,195,000 | 2,590 |
| Average equity | $16,526,670 | 3,610 |
| Average total loans | $181,385,000 | 2,216 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9073% | 4,053 |
| Cost of funding earning assets | 0.8204% | 668 |
| Net interest margin | 3.0869% | 5,294 |
| Noninterest income to average assets | 0.5776% | 2,871 |
| Noninterest expense to average assets | 3.3143% | 1,915 |
| Loan and lease loss provision to assets | 0.0510% | 3,081 |
| Net operating income to assets | 0.1257% | 5,976 |
| Return on assets (ROA) | 0.1257% | 6,009 |
| Pretax return on assets | 0.1461% | 6,013 |
| Return on Equity (ROE) | 1.8212% | 5,835 |
| Retained earnings to average equity (ytd only) | 1.8212% | 4,877 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.3880% | 728 |
| Assets per employee ($millions) | 3.1977% | 5,522 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3069% | 6,607 |
| Loan loss allowance to noncurrent loans | 992.8571% | 518 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 6,228 |
| Noncurrent loans to loans | 0.0309% | 6,060 |
| Net loans and leases to total assets | 76.3219% | 964 |
| Net loans and leases to deposits | 101.2105% | 393 |
| Net loans and leases to core deposits | 106.2510% | 748 |
| Total domestic deposits to total assets | 75.4091% | 6,125 |
| Equity capital to assets | 6.9861% | 6,451 |
| Core capital (leverage) ratio | 7.0478% | 6,456 |
| Tier 1 risk-based capital ratio | 14.4107% | 4,055 |
| Total risk-based capital ratio | 14.8923% | 4,537 |
| Memoranda: | ||
| Average total assets | $235,461,500 | 2,687 |
| Average earning assets | $223,784,500 | 2,620 |
| Average equity | $16,253,000 | 3,658 |
| Average total loans | $179,995,500 | 2,235 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7156% | 5,087 |
| Cost of funding earning assets | 0.9026% | 727 |
| Net interest margin | 2.8130% | 5,954 |
| Noninterest income to average assets | 1.0818% | 1,210 |
| Noninterest expense to average assets | 3.5758% | 1,492 |
| Loan and lease loss provision to assets | 0.0405% | 4,307 |
| Net operating income to assets | 0.0992% | 6,046 |
| Return on assets (ROA) | 0.1266% | 6,048 |
| Pretax return on assets | 0.1581% | 6,007 |
| Return on Equity (ROE) | 1.6919% | 5,935 |
| Retained earnings to average equity (ytd only) | 1.6919% | 5,027 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.6051% | 661 |
| Assets per employee ($millions) | 3.3956% | 5,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2941% | 6,688 |
| Loan loss allowance to noncurrent loans | 939.2857% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.0239% | 6,329 |
| Noncurrent loans to loans | 0.0313% | 6,159 |
| Net loans and leases to total assets | 76.1049% | 1,059 |
| Net loans and leases to deposits | 99.0534% | 533 |
| Net loans and leases to core deposits | 103.5428% | 940 |
| Total domestic deposits to total assets | 76.8322% | 6,000 |
| Equity capital to assets | 6.8183% | 6,504 |
| Core capital (leverage) ratio | 7.2343% | 6,466 |
| Tier 1 risk-based capital ratio | 14.8190% | 3,770 |
| Total risk-based capital ratio | 15.2793% | 4,216 |
| Memoranda: | ||
| Average total assets | $222,045,800 | 2,789 |
| Average earning assets | $209,845,400 | 2,722 |
| Average equity | $16,609,000 | 3,612 |
| Average total loans | $163,422,600 | 2,376 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7095% | 5,141 |
| Cost of funding earning assets | 0.9119% | 770 |
| Net interest margin | 2.7976% | 6,021 |
| Noninterest income to average assets | 1.0899% | 1,231 |
| Noninterest expense to average assets | 3.5752% | 1,444 |
| Loan and lease loss provision to assets | 0.0408% | 4,193 |
| Net operating income to assets | 0.0956% | 6,149 |
| Return on assets (ROA) | 0.1163% | 6,173 |
| Pretax return on assets | 0.1376% | 6,160 |
| Return on Equity (ROE) | 1.5188% | 6,067 |
| Retained earnings to average equity (ytd only) | 1.5188% | 5,371 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.8694% | 634 |
| Assets per employee ($millions) | 3.4750% | 4,892 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2926% | 6,771 |
| Loan loss allowance to noncurrent loans | 898.2143% | 520 |
| Noncurrent assets plus other real estate owned to assets | 0.0244% | 6,410 |
| Noncurrent loans to loans | 0.0326% | 6,243 |
| Net loans and leases to total assets | 74.7458% | 1,168 |
| Net loans and leases to deposits | 101.1196% | 423 |
| Net loans and leases to core deposits | 104.3772% | 859 |
| Total domestic deposits to total assets | 73.9182% | 6,376 |
| Equity capital to assets | 7.1180% | 6,517 |
| Core capital (leverage) ratio | 7.3765% | 6,488 |
| Tier 1 risk-based capital ratio | 15.1306% | 3,668 |
| Total risk-based capital ratio | 15.5807% | 4,142 |
| Memoranda: | ||
| Average total assets | $218,983,500 | 2,841 |
| Average earning assets | $206,598,750 | 2,782 |
| Average equity | $16,767,500 | 3,635 |
| Average total loans | $159,569,250 | 2,447 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7009% | 5,139 |
| Cost of funding earning assets | 0.9191% | 818 |
| Net interest margin | 2.7818% | 6,044 |
| Noninterest income to average assets | 1.0263% | 1,446 |
| Noninterest expense to average assets | 3.6172% | 1,380 |
| Loan and lease loss provision to assets | 0.0418% | 4,117 |
| Net operating income to assets | 0.0093% | 6,292 |
| Return on assets (ROA) | 0.0464% | 6,322 |
| Pretax return on assets | 0.0334% | 6,319 |
| Return on Equity (ROE) | 0.5912% | 6,290 |
| Retained earnings to average equity (ytd only) | 0.5912% | 5,664 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 98.9591% | 524 |
| Assets per employee ($millions) | 3.1474% | 5,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2966% | 6,809 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 73.3893% | 1,343 |
| Net loans and leases to deposits | 96.0439% | 671 |
| Net loans and leases to core deposits | 98.2942% | 1,187 |
| Total domestic deposits to total assets | 76.4122% | 6,207 |
| Equity capital to assets | 7.4701% | 6,452 |
| Core capital (leverage) ratio | 7.5841% | 6,421 |
| Tier 1 risk-based capital ratio | 15.7991% | 3,315 |
| Total risk-based capital ratio | 16.2543% | 3,740 |
| Memoranda: | ||
| Average total assets | $215,528,670 | 2,900 |
| Average earning assets | $203,677,670 | 2,828 |
| Average equity | $16,915,000 | 3,635 |
| Average total loans | $155,448,670 | 2,497 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7265% | 5,069 |
| Cost of funding earning assets | 0.9430% | 809 |
| Net interest margin | 2.7835% | 6,061 |
| Noninterest income to average assets | 1.0566% | 1,333 |
| Noninterest expense to average assets | 3.7122% | 1,229 |
| Loan and lease loss provision to assets | 0.0432% | 3,879 |
| Net operating income to assets | -0.0450% | 6,393 |
| Return on assets (ROA) | 0.0300% | 6,375 |
| Pretax return on assets | 0.0075% | 6,399 |
| Return on Equity (ROE) | 0.3733% | 6,355 |
| Retained earnings to average equity (ytd only) | 0.3733% | 5,669 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.6616% | 524 |
| Assets per employee ($millions) | 3.1382% | 5,747 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2980% | 6,892 |
| Loan loss allowance to noncurrent loans | 45,800.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 6,663 |
| Noncurrent loans to loans | 0.0007% | 6,533 |
| Net loans and leases to total assets | 71.8133% | 1,383 |
| Net loans and leases to deposits | 94.1818% | 658 |
| Net loans and leases to core deposits | 96.8355% | 1,154 |
| Total domestic deposits to total assets | 76.2497% | 6,335 |
| Equity capital to assets | 8.0208% | 6,367 |
| Core capital (leverage) ratio | 7.8129% | 6,273 |
| Tier 1 risk-based capital ratio | 16.5029% | 2,999 |
| Total risk-based capital ratio | 16.9566% | 3,388 |
| Memoranda: | ||
| Average total assets | $213,134,500 | 2,951 |
| Average earning assets | $201,474,500 | 2,884 |
| Average equity | $17,143,500 | 3,644 |
| Average total loans | $152,088,000 | 2,553 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7639% | 5,918 |
| Cost of funding earning assets | 1.1157% | 851 |
| Net interest margin | 2.6482% | 6,589 |
| Noninterest income to average assets | 1.0224% | 1,473 |
| Noninterest expense to average assets | 3.6629% | 1,481 |
| Loan and lease loss provision to assets | 0.0191% | 5,667 |
| Net operating income to assets | -0.1444% | 6,337 |
| Return on assets (ROA) | 0.0275% | 6,267 |
| Pretax return on assets | 0.0107% | 6,268 |
| Return on Equity (ROE) | 0.3447% | 6,252 |
| Retained earnings to average equity (ytd only) | 0.3447% | 5,680 |
| Net charge-offs to loans | 0.0115% | 5,764 |
| Credit loss provision to net charge-offs | 256.2500% | 936 |
| Earnings coverage of net charge-offs (x) | -19.0625% | 5,963 |
| Efficiency ratio | 104.0349% | 442 |
| Assets per employee ($millions) | 3.1772% | 5,680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2898% | 6,946 |
| Loan loss allowance to noncurrent loans | 43,600.0000% | 10 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 6,723 |
| Noncurrent loans to loans | 0.0007% | 6,597 |
| Net loans and leases to total assets | 70.4811% | 1,743 |
| Net loans and leases to deposits | 91.6715% | 939 |
| Net loans and leases to core deposits | 94.3403% | 1,437 |
| Total domestic deposits to total assets | 76.8844% | 6,242 |
| Equity capital to assets | 8.0663% | 6,374 |
| Core capital (leverage) ratio | 7.8264% | 6,328 |
| Tier 1 risk-based capital ratio | 16.7874% | 2,750 |
| Total risk-based capital ratio | 17.2271% | 3,130 |
| Memoranda: | ||
| Average total assets | $214,695,200 | 2,888 |
| Average earning assets | $202,555,400 | 2,820 |
| Average equity | $17,116,600 | 3,609 |
| Average total loans | $139,589,800 | 2,722 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7645% | 6,099 |
| Cost of funding earning assets | 1.1486% | 872 |
| Net interest margin | 2.6159% | 6,746 |
| Noninterest income to average assets | 0.8955% | 1,846 |
| Noninterest expense to average assets | 3.6315% | 1,497 |
| Loan and lease loss provision to assets | 0.0161% | 5,607 |
| Net operating income to assets | -0.1618% | 6,463 |
| Return on assets (ROA) | -0.0155% | 6,424 |
| Pretax return on assets | -0.0564% | 6,446 |
| Return on Equity (ROE) | -0.1949% | 6,429 |
| Retained earnings to average equity (ytd only) | -0.1949% | 6,116 |
| Net charge-offs to loans | 0.0146% | 5,488 |
| Credit loss provision to net charge-offs | 173.3333% | 1,609 |
| Earnings coverage of net charge-offs (x) | -28.9325% | 5,754 |
| Efficiency ratio | 107.9985% | 340 |
| Assets per employee ($millions) | 3.2384% | 5,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2873% | 7,059 |
| Loan loss allowance to noncurrent loans | 21,100.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 6,821 |
| Noncurrent loans to loans | 0.0014% | 6,693 |
| Net loans and leases to total assets | 68.5339% | 2,211 |
| Net loans and leases to deposits | 88.3976% | 1,306 |
| Net loans and leases to core deposits | 90.9300% | 1,879 |
| Total domestic deposits to total assets | 77.5292% | 6,160 |
| Equity capital to assets | 8.0160% | 6,584 |
| Core capital (leverage) ratio | 7.7474% | 6,494 |
| Tier 1 risk-based capital ratio | 16.4929% | 3,006 |
| Total risk-based capital ratio | 16.9136% | 3,413 |
| Memoranda: | ||
| Average total assets | $215,150,500 | 2,916 |
| Average earning assets | $202,907,750 | 2,841 |
| Average equity | $17,103,000 | 3,637 |
| Average total loans | $136,869,250 | 2,794 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7707% | 6,205 |
| Cost of funding earning assets | 1.1912% | 851 |
| Net interest margin | 2.5796% | 6,837 |
| Noninterest income to average assets | 0.7856% | 2,262 |
| Noninterest expense to average assets | 3.6453% | 1,478 |
| Loan and lease loss provision to assets | 0.0139% | 5,488 |
| Net operating income to assets | -0.2570% | 6,585 |
| Return on assets (ROA) | -0.0742% | 6,520 |
| Pretax return on assets | -0.1493% | 6,555 |
| Return on Equity (ROE) | -0.9361% | 6,538 |
| Retained earnings to average equity (ytd only) | -0.9361% | 6,201 |
| Net charge-offs to loans | 0.0225% | 5,085 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | -30.2667% | 5,490 |
| Efficiency ratio | 113.0610% | 293 |
| Assets per employee ($millions) | 3.3840% | 5,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2928% | 7,123 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 65.6557% | 2,740 |
| Net loans and leases to deposits | 81.9451% | 2,118 |
| Net loans and leases to core deposits | 84.0764% | 2,681 |
| Total domestic deposits to total assets | 80.1216% | 5,708 |
| Equity capital to assets | 7.9858% | 6,575 |
| Core capital (leverage) ratio | 7.8427% | 6,415 |
| Tier 1 risk-based capital ratio | 17.6036% | 2,438 |
| Total risk-based capital ratio | 18.0370% | 2,724 |
| Memoranda: | ||
| Average total assets | $215,622,330 | 2,922 |
| Average earning assets | $203,833,670 | 2,837 |
| Average equity | $17,093,000 | 3,626 |
| Average total loans | $133,524,670 | 2,864 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8019% | 6,237 |
| Cost of funding earning assets | 1.2777% | 690 |
| Net interest margin | 2.5242% | 6,935 |
| Noninterest income to average assets | 0.6346% | 3,028 |
| Noninterest expense to average assets | 3.8259% | 1,173 |
| Loan and lease loss provision to assets | 0.0148% | 5,134 |
| Net operating income to assets | -0.5096% | 6,832 |
| Return on assets (ROA) | -0.1955% | 6,683 |
| Pretax return on assets | -0.3284% | 6,747 |
| Return on Equity (ROE) | -2.4756% | 6,721 |
| Retained earnings to average equity (ytd only) | -2.4756% | 6,333 |
| Net charge-offs to loans | 0.0461% | 4,054 |
| Credit loss provision to net charge-offs | 53.3333% | 3,228 |
| Earnings coverage of net charge-offs (x) | -29.0667% | 4,711 |
| Efficiency ratio | 126.6178% | 179 |
| Assets per employee ($millions) | 3.3363% | 5,480 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3072% | 7,173 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 61.3976% | 3,375 |
| Net loans and leases to deposits | 75.7057% | 2,843 |
| Net loans and leases to core deposits | 77.4687% | 3,398 |
| Total domestic deposits to total assets | 81.1004% | 5,578 |
| Equity capital to assets | 7.9729% | 6,538 |
| Core capital (leverage) ratio | 7.8179% | 6,400 |
| Tier 1 risk-based capital ratio | 17.2241% | 2,592 |
| Total risk-based capital ratio | 17.6416% | 2,923 |
| Memoranda: | ||
| Average total assets | $216,838,000 | 2,926 |
| Average earning assets | $205,055,500 | 2,832 |
| Average equity | $17,127,000 | 3,625 |
| Average total loans | $130,095,500 | 2,940 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9885% | 6,472 |
| Cost of funding earning assets | 1.3999% | 1,041 |
| Net interest margin | 2.5886% | 7,008 |
| Noninterest income to average assets | 0.5837% | 3,267 |
| Noninterest expense to average assets | 3.1453% | 3,043 |
| Loan and lease loss provision to assets | 0.0152% | 6,361 |
| Net operating income to assets | -0.0490% | 6,107 |
| Return on assets (ROA) | -0.0081% | 6,172 |
| Pretax return on assets | -0.0625% | 6,181 |
| Return on Equity (ROE) | -0.1001% | 6,176 |
| Retained earnings to average equity (ytd only) | -0.1001% | 5,864 |
| Net charge-offs to loans | 0.0025% | 6,420 |
| Credit loss provision to net charge-offs | 1,066.6667% | 209 |
| Earnings coverage of net charge-offs (x) | -78.3333% | 6,431 |
| Efficiency ratio | 103.6696% | 577 |
| Assets per employee ($millions) | 3.2859% | 5,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3194% | 7,208 |
| Loan loss allowance to noncurrent loans | 126.4615% | 2,486 |
| Noncurrent assets plus other real estate owned to assets | 0.1476% | 6,583 |
| Noncurrent loans to loans | 0.2525% | 6,228 |
| Net loans and leases to total assets | 58.2677% | 4,319 |
| Net loans and leases to deposits | 72.3798% | 3,747 |
| Net loans and leases to core deposits | 74.0255% | 4,240 |
| Total domestic deposits to total assets | 80.5027% | 5,591 |
| Equity capital to assets | 7.8264% | 6,672 |
| Core capital (leverage) ratio | 7.6325% | 6,576 |
| Tier 1 risk-based capital ratio | 18.9849% | 1,896 |
| Total risk-based capital ratio | 19.4502% | 2,101 |
| Memoranda: | ||
| Average total assets | $211,076,200 | 2,932 |
| Average earning assets | $199,797,200 | 2,858 |
| Average equity | $16,975,600 | 3,583 |
| Average total loans | $120,517,400 | 3,162 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0405% | 6,526 |
| Cost of funding earning assets | 1.4159% | 1,162 |
| Net interest margin | 2.6246% | 7,056 |
| Noninterest income to average assets | 0.4795% | 4,046 |
| Noninterest expense to average assets | 3.0535% | 3,340 |
| Loan and lease loss provision to assets | 0.0153% | 6,240 |
| Net operating income to assets | -0.0360% | 6,200 |
| Return on assets (ROA) | 0.0192% | 6,225 |
| Pretax return on assets | -0.0198% | 6,251 |
| Return on Equity (ROE) | 0.2365% | 6,211 |
| Retained earnings to average equity (ytd only) | 0.2365% | 5,885 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.0603% | 578 |
| Assets per employee ($millions) | 3.2226% | 5,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3296% | 7,275 |
| Loan loss allowance to noncurrent loans | 97.6019% | 3,016 |
| Noncurrent assets plus other real estate owned to assets | 0.1991% | 6,564 |
| Noncurrent loans to loans | 0.3377% | 6,173 |
| Net loans and leases to total assets | 58.7532% | 4,364 |
| Net loans and leases to deposits | 74.3564% | 3,607 |
| Net loans and leases to core deposits | 76.4886% | 4,135 |
| Total domestic deposits to total assets | 79.0157% | 5,981 |
| Equity capital to assets | 8.2374% | 6,537 |
| Core capital (leverage) ratio | 8.0416% | 6,355 |
| Tier 1 risk-based capital ratio | 19.5576% | 1,798 |
| Total risk-based capital ratio | 20.0312% | 1,963 |
| Memoranda: | ||
| Average total assets | $208,807,000 | 2,971 |
| Average earning assets | $197,560,750 | 2,894 |
| Average equity | $16,912,000 | 3,604 |
| Average total loans | $118,474,500 | 3,235 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0496% | 6,573 |
| Cost of funding earning assets | 1.4355% | 1,255 |
| Net interest margin | 2.6141% | 7,109 |
| Noninterest income to average assets | 0.4209% | 4,506 |
| Noninterest expense to average assets | 2.9743% | 3,736 |
| Loan and lease loss provision to assets | 0.0153% | 6,089 |
| Net operating income to assets | -0.0301% | 6,273 |
| Return on assets (ROA) | -0.0153% | 6,317 |
| Pretax return on assets | -0.0681% | 6,331 |
| Return on Equity (ROE) | -0.1905% | 6,323 |
| Retained earnings to average equity (ytd only) | -0.1905% | 5,875 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 102.6133% | 645 |
| Assets per employee ($millions) | 3.4697% | 5,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3367% | 7,327 |
| Loan loss allowance to noncurrent loans | 122.7692% | 2,390 |
| Noncurrent assets plus other real estate owned to assets | 0.1561% | 6,705 |
| Noncurrent loans to loans | 0.2743% | 6,375 |
| Net loans and leases to total assets | 56.7319% | 4,865 |
| Net loans and leases to deposits | 71.9306% | 4,125 |
| Net loans and leases to core deposits | 73.2416% | 4,677 |
| Total domestic deposits to total assets | 78.8703% | 6,114 |
| Equity capital to assets | 8.1689% | 6,541 |
| Core capital (leverage) ratio | 8.0584% | 6,222 |
| Tier 1 risk-based capital ratio | 20.2255% | 1,566 |
| Total risk-based capital ratio | 20.7071% | 1,695 |
| Memoranda: | ||
| Average total assets | $208,585,670 | 2,992 |
| Average earning assets | $197,697,670 | 2,903 |
| Average equity | $16,797,670 | 3,607 |
| Average total loans | $116,806,670 | 3,296 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0860% | 6,528 |
| Cost of funding earning assets | 1.4818% | 1,249 |
| Net interest margin | 2.6042% | 7,120 |
| Noninterest income to average assets | 0.3870% | 4,819 |
| Noninterest expense to average assets | 3.0002% | 3,644 |
| Loan and lease loss provision to assets | 0.0153% | 5,731 |
| Net operating income to assets | -0.0747% | 6,432 |
| Return on assets (ROA) | -0.0747% | 6,452 |
| Pretax return on assets | -0.1571% | 6,504 |
| Return on Equity (ROE) | -0.9345% | 6,477 |
| Retained earnings to average equity (ytd only) | -0.9345% | 5,971 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.9598% | 598 |
| Assets per employee ($millions) | 3.5304% | 4,924 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3359% | 7,385 |
| Loan loss allowance to noncurrent loans | 120.6154% | 2,414 |
| Noncurrent assets plus other real estate owned to assets | 0.1560% | 6,774 |
| Noncurrent loans to loans | 0.2785% | 6,432 |
| Net loans and leases to total assets | 55.8459% | 5,019 |
| Net loans and leases to deposits | 70.7453% | 4,231 |
| Net loans and leases to core deposits | 72.0391% | 4,782 |
| Total domestic deposits to total assets | 78.9393% | 6,205 |
| Equity capital to assets | 7.9523% | 6,540 |
| Core capital (leverage) ratio | 8.0238% | 6,227 |
| Tier 1 risk-based capital ratio | 20.2435% | 1,535 |
| Total risk-based capital ratio | 20.7180% | 1,671 |
| Memoranda: | ||
| Average total assets | $208,788,000 | 3,003 |
| Average earning assets | $198,142,000 | 2,909 |
| Average equity | $16,693,500 | 3,610 |
| Average total loans | $115,958,000 | 3,340 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2709% | 6,831 |
| Cost of funding earning assets | 1.8687% | 944 |
| Net interest margin | 2.4022% | 7,316 |
| Noninterest income to average assets | 0.5431% | 3,865 |
| Noninterest expense to average assets | 2.7289% | 4,859 |
| Loan and lease loss provision to assets | 0.0103% | 6,982 |
| Net operating income to assets | 0.0612% | 5,672 |
| Return on assets (ROA) | 0.1231% | 5,674 |
| Pretax return on assets | 0.1442% | 5,610 |
| Return on Equity (ROE) | 1.5455% | 5,545 |
| Retained earnings to average equity (ytd only) | 1.5455% | 4,763 |
| Net charge-offs to loans | 0.0043% | 6,805 |
| Credit loss provision to net charge-offs | 440.0000% | 527 |
| Earnings coverage of net charge-offs (x) | 34.8000% | 655 |
| Efficiency ratio | 97.0918% | 916 |
| Assets per employee ($millions) | 3.4309% | 5,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3333% | 7,466 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 54.8621% | 5,512 |
| Net loans and leases to deposits | 69.8613% | 4,830 |
| Net loans and leases to core deposits | 71.1351% | 5,316 |
| Total domestic deposits to total assets | 78.5300% | 6,209 |
| Equity capital to assets | 8.0384% | 6,455 |
| Core capital (leverage) ratio | 8.0089% | 6,187 |
| Tier 1 risk-based capital ratio | 19.7095% | 1,551 |
| Total risk-based capital ratio | 20.1611% | 1,709 |
| Memoranda: | ||
| Average total assets | $212,868,600 | 2,948 |
| Average earning assets | $200,940,600 | 2,865 |
| Average equity | $16,952,600 | 3,598 |
| Average total loans | $116,062,400 | 3,402 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3273% | 6,930 |
| Cost of funding earning assets | 1.9520% | 877 |
| Net interest margin | 2.3753% | 7,453 |
| Noninterest income to average assets | 0.4834% | 4,311 |
| Noninterest expense to average assets | 2.6371% | 5,168 |
| Loan and lease loss provision to assets | 0.0087% | 6,935 |
| Net operating income to assets | 0.0683% | 5,844 |
| Return on assets (ROA) | 0.1160% | 5,892 |
| Pretax return on assets | 0.1316% | 5,863 |
| Return on Equity (ROE) | 1.4601% | 5,780 |
| Retained earnings to average equity (ytd only) | 1.4601% | 5,219 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.8392% | 872 |
| Assets per employee ($millions) | 3.9341% | 3,968 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3306% | 7,575 |
| Loan loss allowance to noncurrent loans | 886.0465% | 412 |
| Noncurrent assets plus other real estate owned to assets | 0.0202% | 7,312 |
| Noncurrent loans to loans | 0.0373% | 7,156 |
| Net loans and leases to total assets | 54.0767% | 5,839 |
| Net loans and leases to deposits | 70.3893% | 5,090 |
| Net loans and leases to core deposits | 71.3733% | 5,592 |
| Total domestic deposits to total assets | 76.8251% | 6,521 |
| Equity capital to assets | 8.1015% | 6,710 |
| Core capital (leverage) ratio | 7.8682% | 6,497 |
| Tier 1 risk-based capital ratio | 20.2121% | 1,508 |
| Total risk-based capital ratio | 20.6740% | 1,631 |
| Memoranda: | ||
| Average total assets | $213,765,000 | 2,993 |
| Average earning assets | $201,568,000 | 2,896 |
| Average equity | $16,985,000 | 3,640 |
| Average total loans | $116,277,750 | 3,441 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3894% | 6,922 |
| Cost of funding earning assets | 2.0481% | 776 |
| Net interest margin | 2.3413% | 7,515 |
| Noninterest income to average assets | 0.4024% | 4,894 |
| Noninterest expense to average assets | 2.4845% | 5,769 |
| Loan and lease loss provision to assets | 0.0056% | 6,829 |
| Net operating income to assets | 0.1232% | 5,798 |
| Return on assets (ROA) | 0.1158% | 5,926 |
| Pretax return on assets | 0.1120% | 5,953 |
| Return on Equity (ROE) | 1.4666% | 5,809 |
| Retained earnings to average equity (ytd only) | 1.4666% | 5,138 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.2057% | 1,000 |
| Assets per employee ($millions) | 4.2543% | 3,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3130% | 7,658 |
| Loan loss allowance to noncurrent loans | 850.0000% | 402 |
| Noncurrent assets plus other real estate owned to assets | 0.0203% | 7,358 |
| Noncurrent loans to loans | 0.0368% | 7,225 |
| Net loans and leases to total assets | 54.9003% | 5,858 |
| Net loans and leases to deposits | 71.3898% | 5,091 |
| Net loans and leases to core deposits | 72.3652% | 5,633 |
| Total domestic deposits to total assets | 76.9021% | 6,529 |
| Equity capital to assets | 7.8943% | 6,854 |
| Core capital (leverage) ratio | 7.6713% | 6,645 |
| Tier 1 risk-based capital ratio | 19.8072% | 1,544 |
| Total risk-based capital ratio | 20.2534% | 1,684 |
| Memoranda: | ||
| Average total assets | $214,206,330 | 3,008 |
| Average earning assets | $201,940,670 | 2,919 |
| Average equity | $16,909,670 | 3,648 |
| Average total loans | $116,616,330 | 3,463 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4740% | 6,841 |
| Cost of funding earning assets | 2.1770% | 637 |
| Net interest margin | 2.2970% | 7,599 |
| Noninterest income to average assets | 0.3233% | 5,565 |
| Noninterest expense to average assets | 2.3926% | 6,118 |
| Loan and lease loss provision to assets | 0.0056% | 6,531 |
| Net operating income to assets | 0.1053% | 6,013 |
| Return on assets (ROA) | 0.0902% | 6,148 |
| Pretax return on assets | 0.0695% | 6,206 |
| Return on Equity (ROE) | 1.1428% | 6,083 |
| Retained earnings to average equity (ytd only) | 1.1428% | 5,360 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3664% | 1,005 |
| Assets per employee ($millions) | 4.2030% | 3,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3267% | 7,741 |
| Loan loss allowance to noncurrent loans | 1,613.0435% | 222 |
| Noncurrent assets plus other real estate owned to assets | 0.0476% | 7,370 |
| Noncurrent loans to loans | 0.0203% | 7,362 |
| Net loans and leases to total assets | 52.8080% | 6,179 |
| Net loans and leases to deposits | 68.8419% | 5,490 |
| Net loans and leases to core deposits | 69.8771% | 5,930 |
| Total domestic deposits to total assets | 76.7091% | 6,623 |
| Equity capital to assets | 7.9126% | 6,745 |
| Core capital (leverage) ratio | 7.7236% | 6,595 |
| Tier 1 risk-based capital ratio | 20.4445% | 1,436 |
| Total risk-based capital ratio | 20.9036% | 1,558 |
| Memoranda: | ||
| Average total assets | $212,825,500 | 3,072 |
| Average earning assets | $200,088,500 | 2,996 |
| Average equity | $16,800,500 | 3,697 |
| Average total loans | $115,179,500 | 3,566 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9463% | 6,595 |
| Cost of funding earning assets | 2.6091% | 759 |
| Net interest margin | 2.3373% | 7,556 |
| Noninterest income to average assets | 0.3136% | 5,836 |
| Noninterest expense to average assets | 2.4888% | 6,176 |
| Loan and lease loss provision to assets | 0.0138% | 7,353 |
| Net operating income to assets | 0.0404% | 5,364 |
| Return on assets (ROA) | 0.0857% | 5,294 |
| Pretax return on assets | 0.0743% | 5,270 |
| Return on Equity (ROE) | 1.0555% | 5,218 |
| Retained earnings to average equity (ytd only) | 1.0555% | 4,304 |
| Net charge-offs to loans | 0.0040% | 7,189 |
| Credit loss provision to net charge-offs | 560.0000% | 537 |
| Earnings coverage of net charge-offs (x) | 17.4000% | 1,191 |
| Efficiency ratio | 98.3084% | 1,195 |
| Assets per employee ($millions) | 5.4179% | 1,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3151% | 7,820 |
| Loan loss allowance to noncurrent loans | 1,600.0000% | 248 |
| Noncurrent assets plus other real estate owned to assets | 0.0483% | 7,385 |
| Noncurrent loans to loans | 0.0197% | 7,390 |
| Net loans and leases to total assets | 55.0997% | 6,069 |
| Net loans and leases to deposits | 73.4675% | 5,122 |
| Net loans and leases to core deposits | 87.7334% | 5,353 |
| Total domestic deposits to total assets | 74.9987% | 6,868 |
| Equity capital to assets | 7.8752% | 6,698 |
| Core capital (leverage) ratio | 7.7992% | 6,452 |
| Tier 1 risk-based capital ratio | 20.2966% | 1,407 |
| Total risk-based capital ratio | 20.7502% | 1,523 |
| Memoranda: | ||
| Average total assets | $203,152,000 | 3,144 |
| Average earning assets | $192,789,200 | 3,065 |
| Average equity | $16,485,200 | 3,778 |
| Average total loans | $124,004,200 | 3,404 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0168% | 6,554 |
| Cost of funding earning assets | 2.6639% | 876 |
| Net interest margin | 2.3529% | 7,601 |
| Noninterest income to average assets | 0.3169% | 5,945 |
| Noninterest expense to average assets | 2.4887% | 6,105 |
| Loan and lease loss provision to assets | 0.0133% | 7,198 |
| Net operating income to assets | 0.0458% | 5,613 |
| Return on assets (ROA) | 0.1001% | 5,512 |
| Pretax return on assets | 0.1127% | 5,500 |
| Return on Equity (ROE) | 1.2242% | 5,428 |
| Retained earnings to average equity (ytd only) | 1.2242% | 4,641 |
| Net charge-offs to loans | 0.0053% | 6,890 |
| Credit loss provision to net charge-offs | 400.0000% | 988 |
| Earnings coverage of net charge-offs (x) | 19.5892% | 1,280 |
| Efficiency ratio | 97.4559% | 1,190 |
| Assets per employee ($millions) | 4.9138% | 2,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3067% | 7,904 |
| Loan loss allowance to noncurrent loans | 391.3043% | 794 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 7,468 |
| Noncurrent loans to loans | 0.0784% | 7,299 |
| Net loans and leases to total assets | 54.1249% | 6,368 |
| Net loans and leases to deposits | 72.7208% | 5,549 |
| Net loans and leases to core deposits | 84.1947% | 6,028 |
| Total domestic deposits to total assets | 74.4284% | 6,875 |
| Equity capital to assets | 7.7545% | 7,090 |
| Core capital (leverage) ratio | 7.6131% | 6,843 |
| Tier 1 risk-based capital ratio | 20.7358% | 1,412 |
| Total risk-based capital ratio | 21.1900% | 1,522 |
| Memoranda: | ||
| Average total assets | $201,115,750 | 3,193 |
| Average earning assets | $191,193,250 | 3,100 |
| Average equity | $16,446,500 | 3,822 |
| Average total loans | $125,807,250 | 3,385 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1318% | 6,311 |
| Cost of funding earning assets | 2.7561% | 892 |
| Net interest margin | 2.3757% | 7,598 |
| Noninterest income to average assets | 0.3529% | 5,677 |
| Noninterest expense to average assets | 2.5550% | 5,923 |
| Loan and lease loss provision to assets | 0.0133% | 7,084 |
| Net operating income to assets | 0.0322% | 5,749 |
| Return on assets (ROA) | 0.0979% | 5,665 |
| Pretax return on assets | 0.1397% | 5,585 |
| Return on Equity (ROE) | 1.1750% | 5,583 |
| Retained earnings to average equity (ytd only) | 1.1750% | 4,686 |
| Net charge-offs to loans | 0.0016% | 6,611 |
| Credit loss provision to net charge-offs | 1,300.0000% | 380 |
| Earnings coverage of net charge-offs (x) | 58.0000% | 614 |
| Efficiency ratio | 97.7370% | 1,277 |
| Assets per employee ($millions) | 5.7007% | 1,419 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2959% | 7,991 |
| Loan loss allowance to noncurrent loans | 63.8640% | 4,244 |
| Noncurrent assets plus other real estate owned to assets | 0.2802% | 6,774 |
| Noncurrent loans to loans | 0.4633% | 6,369 |
| Net loans and leases to total assets | 60.2890% | 5,631 |
| Net loans and leases to deposits | 83.4178% | 3,976 |
| Net loans and leases to core deposits | 109.5018% | 3,432 |
| Total domestic deposits to total assets | 72.2735% | 7,209 |
| Equity capital to assets | 8.1033% | 6,626 |
| Core capital (leverage) ratio | 8.1981% | 5,983 |
| Tier 1 risk-based capital ratio | 20.9627% | 1,405 |
| Total risk-based capital ratio | 21.4198% | 1,506 |
| Memoranda: | ||
| Average total assets | $196,084,670 | 3,267 |
| Average earning assets | $186,638,670 | 3,187 |
| Average equity | $16,340,000 | 3,846 |
| Average total loans | $128,615,330 | 3,361 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3320% | 5,743 |
| Cost of funding earning assets | 2.8070% | 964 |
| Net interest margin | 2.5250% | 7,471 |
| Noninterest income to average assets | 0.3499% | 5,648 |
| Noninterest expense to average assets | 2.5725% | 5,560 |
| Loan and lease loss provision to assets | 0.0123% | 6,687 |
| Net operating income to assets | 0.1214% | 5,915 |
| Return on assets (ROA) | 0.1214% | 6,082 |
| Pretax return on assets | 0.1790% | 5,987 |
| Return on Equity (ROE) | 1.4367% | 5,991 |
| Retained earnings to average equity (ytd only) | 1.4367% | 5,047 |
| Net charge-offs to loans | 0.0030% | 5,689 |
| Credit loss provision to net charge-offs | 600.0000% | 938 |
| Earnings coverage of net charge-offs (x) | 93.0000% | 457 |
| Efficiency ratio | 93.0752% | 1,491 |
| Assets per employee ($millions) | 5.1613% | 1,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2712% | 8,054 |
| Loan loss allowance to noncurrent loans | 263.1579% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.0678% | 7,393 |
| Noncurrent loans to loans | 0.1031% | 7,235 |
| Net loans and leases to total assets | 65.6235% | 4,664 |
| Net loans and leases to deposits | 92.1179% | 2,577 |
| Net loans and leases to core deposits | 112.1238% | 3,212 |
| Total domestic deposits to total assets | 71.2386% | 7,304 |
| Equity capital to assets | 8.4535% | 6,149 |
| Core capital (leverage) ratio | 8.3429% | 5,825 |
| Tier 1 risk-based capital ratio | 19.7346% | 1,668 |
| Total risk-based capital ratio | 20.6204% | 1,694 |
| Memoranda: | ||
| Average total assets | $194,365,000 | 3,303 |
| Average earning assets | $185,822,000 | 3,214 |
| Average equity | $16,426,000 | 3,858 |
| Average total loans | $132,599,000 | 3,312 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5579% | 7,181 |
| Cost of funding earning assets | 3.2444% | 1,053 |
| Net interest margin | 2.3135% | 7,902 |
| Noninterest income to average assets | 0.2582% | 6,602 |
| Noninterest expense to average assets | 2.4135% | 6,351 |
| Loan and lease loss provision to assets | 0.0128% | 7,212 |
| Net operating income to assets | 0.0388% | 6,260 |
| Return on assets (ROA) | 0.0395% | 6,121 |
| Pretax return on assets | 0.0624% | 6,023 |
| Return on Equity (ROE) | 0.4564% | 6,091 |
| Retained earnings to average equity (ytd only) | 0.4564% | 4,970 |
| Net charge-offs to loans | -0.0015% | 7,732 |
| Credit loss provision to net charge-offs | -1,200.0000% | 7,446 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.0197% | 1,096 |
| Assets per employee ($millions) | 5.0684% | 1,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.2534% | 8,123 |
| Loan loss allowance to noncurrent loans | 234.6939% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.0763% | 7,266 |
| Noncurrent loans to loans | 0.1080% | 7,089 |
| Net loans and leases to total assets | 70.5066% | 3,905 |
| Net loans and leases to deposits | 106.4883% | 1,082 |
| Net loans and leases to core deposits | 129.5099% | 1,885 |
| Total domestic deposits to total assets | 66.2106% | 7,646 |
| Equity capital to assets | 8.4486% | 6,175 |
| Core capital (leverage) ratio | 8.4681% | 5,625 |
| Tier 1 risk-based capital ratio | 20.0901% | 1,605 |
| Total risk-based capital ratio | 20.5150% | 1,715 |
| Memoranda: | ||
| Average total assets | $187,487,600 | 3,306 |
| Average earning assets | $180,678,200 | 3,177 |
| Average equity | $16,212,400 | 3,882 |
| Average total loans | $131,686,800 | 3,240 |