Home > First Advantage Bank > Performance and Condition Ratios
First Advantage 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 | 5.7691% | 229 |
| Cost of funding earning assets | 1.5214% | 241 |
| Net interest margin | 4.2476% | 836 |
| Noninterest income to average assets | 0.6694% | 1,770 |
| Noninterest expense to average assets | 6.0253% | 147 |
| Loan and lease loss provision to assets | 0.3124% | 991 |
| Net operating income to assets | -1.0600% | 4,996 |
| Return on assets (ROA) | -1.0600% | 4,978 |
| Pretax return on assets | -1.6973% | 5,006 |
| Return on Equity (ROE) | -10.3920% | 5,000 |
| Retained earnings to average equity (ytd only) | -10.3920% | 4,778 |
| Net charge-offs to loans | 0.1908% | 712 |
| Credit loss provision to net charge-offs | 185.4839% | 1,460 |
| Earnings coverage of net charge-offs (x) | -8.2226% | 2,529 |
| Efficiency ratio | 129.8443% | 82 |
| Assets per employee ($millions) | 5.6557% | 1,967 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8348% | 4,317 |
| Loan loss allowance to noncurrent loans | 79.9470% | 3,569 |
| Noncurrent assets plus other real estate owned to assets | 0.9357% | 1,421 |
| Noncurrent loans to loans | 1.0442% | 1,595 |
| Net loans and leases to total assets | 87.6646% | 73 |
| Net loans and leases to deposits | 105.4572% | 310 |
| Net loans and leases to core deposits | 120.5327% | 452 |
| Total domestic deposits to total assets | 83.1281% | 3,071 |
| Equity capital to assets | 10.2130% | 3,595 |
| Core capital (leverage) ratio | 10.1188% | 3,328 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 11.2234% | 3,294 |
| Memoranda: | ||
| Average total assets | $736,225,000 | 1,065 |
| Average earning assets | $688,292,500 | 1,053 |
| Average equity | $75,096,500 | 1,200 |
| Average total loans | $649,832,000 | 885 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7136% | 387 |
| Cost of funding earning assets | 1.6242% | 268 |
| Net interest margin | 4.0894% | 1,569 |
| Noninterest income to average assets | 0.5739% | 2,342 |
| Noninterest expense to average assets | 3.4312% | 1,058 |
| Loan and lease loss provision to assets | 0.1033% | 1,999 |
| Net operating income to assets | 0.6421% | 4,032 |
| Return on assets (ROA) | 0.6413% | 4,106 |
| Pretax return on assets | 0.8476% | 3,885 |
| Return on Equity (ROE) | 6.0533% | 3,902 |
| Retained earnings to average equity (ytd only) | 2.0196% | 3,989 |
| Net charge-offs to loans | 0.1474% | 1,339 |
| Credit loss provision to net charge-offs | 80.9152% | 2,784 |
| Earnings coverage of net charge-offs (x) | 7.4576% | 2,876 |
| Efficiency ratio | 78.2833% | 1,117 |
| Assets per employee ($millions) | 5.5015% | 2,059 |
| Cash dividends to net income (ytd only)* | 66.6371% | 1,263 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7942% | 4,320 |
| Loan loss allowance to noncurrent loans | 86.3165% | 3,482 |
| Noncurrent assets plus other real estate owned to assets | 0.8227% | 1,566 |
| Noncurrent loans to loans | 0.9201% | 1,670 |
| Net loans and leases to total assets | 87.4287% | 102 |
| Net loans and leases to deposits | 104.4928% | 360 |
| Net loans and leases to core deposits | 119.2835% | 495 |
| Total domestic deposits to total assets | 83.6696% | 2,965 |
| Equity capital to assets | 10.1874% | 3,745 |
| Core capital (leverage) ratio | 10.1478% | 3,358 |
| Tier 1 risk-based capital ratio | 10.5933% | 4,992 |
| Total risk-based capital ratio | 11.3260% | 5,068 |
| Memoranda: | ||
| Average total assets | $702,006,200 | 1,069 |
| Average earning assets | $653,880,400 | 1,055 |
| Average equity | $74,372,200 | 1,161 |
| Average total loans | $607,806,600 | 900 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7208% | 404 |
| Cost of funding earning assets | 1.6127% | 278 |
| Net interest margin | 4.1081% | 1,593 |
| Noninterest income to average assets | 0.5541% | 2,440 |
| Noninterest expense to average assets | 2.9233% | 2,185 |
| Loan and lease loss provision to assets | 0.1250% | 1,556 |
| Net operating income to assets | 1.0149% | 2,927 |
| Return on assets (ROA) | 1.0138% | 3,013 |
| Pretax return on assets | 1.3260% | 2,582 |
| Return on Equity (ROE) | 9.4728% | 2,687 |
| Retained earnings to average equity (ytd only) | 5.4292% | 2,657 |
| Net charge-offs to loans | 0.1254% | 1,259 |
| Credit loss provision to net charge-offs | 115.6584% | 2,014 |
| Earnings coverage of net charge-offs (x) | 13.4360% | 2,297 |
| Efficiency ratio | 66.8088% | 2,617 |
| Assets per employee ($millions) | 5.1602% | 2,387 |
| Cash dividends to net income (ytd only)* | 42.6865% | 2,034 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8710% | 4,156 |
| Loan loss allowance to noncurrent loans | 96.6476% | 3,384 |
| Noncurrent assets plus other real estate owned to assets | 0.7772% | 1,768 |
| Noncurrent loans to loans | 0.9013% | 1,775 |
| Net loans and leases to total assets | 84.1786% | 332 |
| Net loans and leases to deposits | 101.3087% | 541 |
| Net loans and leases to core deposits | 116.6925% | 632 |
| Total domestic deposits to total assets | 83.0912% | 3,136 |
| Equity capital to assets | 10.4373% | 3,603 |
| Core capital (leverage) ratio | 10.7860% | 2,852 |
| Tier 1 risk-based capital ratio | 12.0925% | 4,371 |
| Total risk-based capital ratio | 12.9564% | 4,467 |
| Memoranda: | ||
| Average total assets | $693,207,000 | 1,078 |
| Average earning assets | $644,856,500 | 1,068 |
| Average equity | $74,189,750 | 1,159 |
| Average total loans | $597,336,500 | 916 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7192% | 384 |
| Cost of funding earning assets | 1.5872% | 284 |
| Net interest margin | 4.1320% | 1,519 |
| Noninterest income to average assets | 0.5247% | 2,540 |
| Noninterest expense to average assets | 2.9572% | 2,119 |
| Loan and lease loss provision to assets | 0.1250% | 1,489 |
| Net operating income to assets | 0.9901% | 2,958 |
| Return on assets (ROA) | 0.9885% | 3,034 |
| Pretax return on assets | 1.2841% | 2,621 |
| Return on Equity (ROE) | 9.1547% | 2,791 |
| Retained earnings to average equity (ytd only) | 5.0690% | 2,736 |
| Net charge-offs to loans | 0.1368% | 1,104 |
| Credit loss provision to net charge-offs | 105.4591% | 1,894 |
| Earnings coverage of net charge-offs (x) | 11.9057% | 2,181 |
| Efficiency ratio | 67.6968% | 2,587 |
| Assets per employee ($millions) | 5.2082% | 2,248 |
| Cash dividends to net income (ytd only)* | 44.6296% | 2,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8919% | 4,128 |
| Loan loss allowance to noncurrent loans | 92.9191% | 3,442 |
| Noncurrent assets plus other real estate owned to assets | 0.8444% | 1,670 |
| Noncurrent loans to loans | 0.9599% | 1,697 |
| Net loans and leases to total assets | 85.8891% | 222 |
| Net loans and leases to deposits | 104.6120% | 395 |
| Net loans and leases to core deposits | 119.7877% | 556 |
| Total domestic deposits to total assets | 82.1026% | 3,480 |
| Equity capital to assets | 10.8132% | 3,257 |
| Core capital (leverage) ratio | 10.8936% | 2,700 |
| Tier 1 risk-based capital ratio | 11.3598% | 4,762 |
| Total risk-based capital ratio | 12.1761% | 4,856 |
| Memoranda: | ||
| Average total assets | $680,026,330 | 1,094 |
| Average earning assets | $632,569,670 | 1,093 |
| Average equity | $73,426,670 | 1,164 |
| Average total loans | $589,036,000 | 927 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7019% | 364 |
| Cost of funding earning assets | 1.5341% | 292 |
| Net interest margin | 4.1678% | 1,381 |
| Noninterest income to average assets | 0.4548% | 2,827 |
| Noninterest expense to average assets | 2.9687% | 2,077 |
| Loan and lease loss provision to assets | 0.1187% | 1,477 |
| Net operating income to assets | 0.9461% | 3,063 |
| Return on assets (ROA) | 0.9227% | 3,187 |
| Pretax return on assets | 1.2154% | 2,748 |
| Return on Equity (ROE) | 8.5515% | 3,014 |
| Retained earnings to average equity (ytd only) | 4.4243% | 3,157 |
| Net charge-offs to loans | 0.1995% | 706 |
| Credit loss provision to net charge-offs | 68.7285% | 1,862 |
| Earnings coverage of net charge-offs (x) | 7.8935% | 2,109 |
| Efficiency ratio | 68.5213% | 2,563 |
| Assets per employee ($millions) | 5.3763% | 2,097 |
| Cash dividends to net income (ytd only)* | 48.2625% | 1,674 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8944% | 4,184 |
| Loan loss allowance to noncurrent loans | 84.1657% | 3,621 |
| Noncurrent assets plus other real estate owned to assets | 0.9657% | 1,454 |
| Noncurrent loans to loans | 1.0626% | 1,570 |
| Net loans and leases to total assets | 85.0556% | 271 |
| Net loans and leases to deposits | 105.1609% | 351 |
| Net loans and leases to core deposits | 117.9880% | 581 |
| Total domestic deposits to total assets | 80.8814% | 3,991 |
| Equity capital to assets | 10.7399% | 3,115 |
| Core capital (leverage) ratio | 10.9099% | 2,658 |
| Tier 1 risk-based capital ratio | 11.5920% | 4,694 |
| Total risk-based capital ratio | 12.4215% | 4,806 |
| Memoranda: | ||
| Average total assets | $673,694,000 | 1,108 |
| Average earning assets | $626,806,500 | 1,104 |
| Average equity | $72,689,000 | 1,170 |
| Average total loans | $583,404,000 | 940 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6354% | 309 |
| Cost of funding earning assets | 1.1887% | 359 |
| Net interest margin | 4.4468% | 847 |
| Noninterest income to average assets | 0.4965% | 2,848 |
| Noninterest expense to average assets | 3.0213% | 2,004 |
| Loan and lease loss provision to assets | 0.0980% | 2,216 |
| Net operating income to assets | 1.2389% | 2,018 |
| Return on assets (ROA) | 1.2512% | 1,965 |
| Pretax return on assets | 1.5481% | 1,630 |
| Return on Equity (ROE) | 11.1808% | 2,012 |
| Retained earnings to average equity (ytd only) | 9.1368% | 813 |
| Net charge-offs to loans | 0.1756% | 1,096 |
| Credit loss provision to net charge-offs | 64.6552% | 3,053 |
| Earnings coverage of net charge-offs (x) | 10.7565% | 2,689 |
| Efficiency ratio | 64.9435% | 3,037 |
| Assets per employee ($millions) | 5.3597% | 2,097 |
| Cash dividends to net income (ytd only)* | 18.2815% | 3,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9180% | 4,093 |
| Loan loss allowance to noncurrent loans | 89.7945% | 3,582 |
| Noncurrent assets plus other real estate owned to assets | 0.9516% | 1,440 |
| Noncurrent loans to loans | 1.0224% | 1,601 |
| Net loans and leases to total assets | 86.5913% | 203 |
| Net loans and leases to deposits | 108.7546% | 284 |
| Net loans and leases to core deposits | 121.3722% | 511 |
| Total domestic deposits to total assets | 79.6208% | 4,187 |
| Equity capital to assets | 10.8407% | 2,853 |
| Core capital (leverage) ratio | 11.0459% | 2,484 |
| Tier 1 risk-based capital ratio | 11.4300% | 4,755 |
| Total risk-based capital ratio | 12.2733% | 4,860 |
| Memoranda: | ||
| Average total assets | $612,045,000 | 1,180 |
| Average earning assets | $571,987,200 | 1,178 |
| Average equity | $68,492,400 | 1,181 |
| Average total loans | $528,365,600 | 992 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5477% | 326 |
| Cost of funding earning assets | 1.1097% | 378 |
| Net interest margin | 4.4380% | 830 |
| Noninterest income to average assets | 0.5096% | 2,810 |
| Noninterest expense to average assets | 3.1156% | 1,726 |
| Loan and lease loss provision to assets | 0.0946% | 2,085 |
| Net operating income to assets | 1.2035% | 2,229 |
| Return on assets (ROA) | 1.2035% | 2,226 |
| Pretax return on assets | 1.4457% | 2,071 |
| Return on Equity (ROE) | 10.6619% | 2,320 |
| Retained earnings to average equity (ytd only) | 9.3799% | 1,083 |
| Net charge-offs to loans | 0.0994% | 1,501 |
| Credit loss provision to net charge-offs | 110.6771% | 2,099 |
| Earnings coverage of net charge-offs (x) | 18.0181% | 2,076 |
| Efficiency ratio | 66.9169% | 2,726 |
| Assets per employee ($millions) | 5.1406% | 2,293 |
| Cash dividends to net income (ytd only)* | 12.0237% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0360% | 3,555 |
| Loan loss allowance to noncurrent loans | 99.2170% | 3,470 |
| Noncurrent assets plus other real estate owned to assets | 0.9701% | 1,500 |
| Noncurrent loans to loans | 1.0442% | 1,634 |
| Net loans and leases to total assets | 86.1463% | 250 |
| Net loans and leases to deposits | 110.9946% | 263 |
| Net loans and leases to core deposits | 120.9871% | 548 |
| Total domestic deposits to total assets | 77.6130% | 4,546 |
| Equity capital to assets | 11.1115% | 2,559 |
| Core capital (leverage) ratio | 11.4671% | 2,195 |
| Tier 1 risk-based capital ratio | 11.7444% | 4,633 |
| Total risk-based capital ratio | 12.6937% | 4,706 |
| Memoranda: | ||
| Average total assets | $598,906,500 | 1,202 |
| Average earning assets | $559,542,750 | 1,203 |
| Average equity | $67,603,750 | 1,196 |
| Average total loans | $515,252,750 | 1,017 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4677% | 337 |
| Cost of funding earning assets | 1.0629% | 345 |
| Net interest margin | 4.4048% | 839 |
| Noninterest income to average assets | 0.5427% | 2,610 |
| Noninterest expense to average assets | 3.1764% | 1,596 |
| Loan and lease loss provision to assets | 0.0681% | 2,521 |
| Net operating income to assets | 1.1845% | 2,259 |
| Return on assets (ROA) | 1.1845% | 2,263 |
| Pretax return on assets | 1.4101% | 2,109 |
| Return on Equity (ROE) | 10.4348% | 2,365 |
| Retained earnings to average equity (ytd only) | 8.4863% | 1,415 |
| Net charge-offs to loans | 0.0894% | 1,453 |
| Credit loss provision to net charge-offs | 88.8889% | 2,168 |
| Earnings coverage of net charge-offs (x) | 19.3067% | 1,854 |
| Efficiency ratio | 68.2433% | 2,603 |
| Assets per employee ($millions) | 5.0608% | 2,337 |
| Cash dividends to net income (ytd only)* | 18.6728% | 3,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0870% | 3,343 |
| Loan loss allowance to noncurrent loans | 118.8568% | 3,153 |
| Noncurrent assets plus other real estate owned to assets | 0.8452% | 1,766 |
| Noncurrent loans to loans | 0.9145% | 1,892 |
| Net loans and leases to total assets | 85.1462% | 338 |
| Net loans and leases to deposits | 106.9394% | 397 |
| Net loans and leases to core deposits | 115.6284% | 721 |
| Total domestic deposits to total assets | 79.6210% | 4,324 |
| Equity capital to assets | 11.3475% | 2,314 |
| Core capital (leverage) ratio | 11.4755% | 2,092 |
| Tier 1 risk-based capital ratio | 12.0952% | 4,445 |
| Total risk-based capital ratio | 13.0906% | 4,479 |
| Memoranda: | ||
| Average total assets | $587,778,000 | 1,227 |
| Average earning assets | $548,676,330 | 1,222 |
| Average equity | $66,719,330 | 1,207 |
| Average total loans | $503,537,670 | 1,040 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4039% | 330 |
| Cost of funding earning assets | 1.0167% | 342 |
| Net interest margin | 4.3872% | 788 |
| Noninterest income to average assets | 0.4547% | 3,084 |
| Noninterest expense to average assets | 3.2032% | 1,557 |
| Loan and lease loss provision to assets | 0.0517% | 2,741 |
| Net operating income to assets | 0.9929% | 2,877 |
| Return on assets (ROA) | 0.9929% | 2,900 |
| Pretax return on assets | 1.2939% | 2,388 |
| Return on Equity (ROE) | 8.7453% | 3,031 |
| Retained earnings to average equity (ytd only) | 4.8005% | 3,259 |
| Net charge-offs to loans | 0.0290% | 1,917 |
| Credit loss provision to net charge-offs | 208.3333% | 1,022 |
| Earnings coverage of net charge-offs (x) | 54.2500% | 903 |
| Efficiency ratio | 70.4181% | 2,422 |
| Assets per employee ($millions) | 4.9544% | 2,539 |
| Cash dividends to net income (ytd only)* | 45.1076% | 1,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1354% | 3,171 |
| Loan loss allowance to noncurrent loans | 115.0151% | 3,198 |
| Noncurrent assets plus other real estate owned to assets | 0.8849% | 1,798 |
| Noncurrent loans to loans | 0.9872% | 1,849 |
| Net loans and leases to total assets | 84.1683% | 425 |
| Net loans and leases to deposits | 104.9698% | 429 |
| Net loans and leases to core deposits | 114.2465% | 792 |
| Total domestic deposits to total assets | 80.1834% | 4,384 |
| Equity capital to assets | 11.2248% | 2,371 |
| Core capital (leverage) ratio | 11.3922% | 2,093 |
| Tier 1 risk-based capital ratio | 12.1800% | 4,446 |
| Total risk-based capital ratio | 13.2275% | 4,454 |
| Memoranda: | ||
| Average total assets | $580,548,000 | 1,251 |
| Average earning assets | $541,758,500 | 1,242 |
| Average equity | $65,909,500 | 1,226 |
| Average total loans | $496,097,500 | 1,059 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2825% | 379 |
| Cost of funding earning assets | 0.9290% | 324 |
| Net interest margin | 4.3535% | 852 |
| Noninterest income to average assets | 0.5889% | 2,499 |
| Noninterest expense to average assets | 3.2577% | 1,471 |
| Loan and lease loss provision to assets | -0.0768% | 5,446 |
| Net operating income to assets | 0.7917% | 3,199 |
| Return on assets (ROA) | 0.7931% | 3,239 |
| Pretax return on assets | 1.4480% | 1,823 |
| Return on Equity (ROE) | 6.7810% | 3,391 |
| Retained earnings to average equity (ytd only) | 3.6554% | 3,061 |
| Net charge-offs to loans | 0.0911% | 2,174 |
| Credit loss provision to net charge-offs | -100.4785% | 4,712 |
| Earnings coverage of net charge-offs (x) | 17.9187% | 2,105 |
| Efficiency ratio | 70.4105% | 2,486 |
| Assets per employee ($millions) | 4.8848% | 2,624 |
| Cash dividends to net income (ytd only)* | 46.0936% | 2,524 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1545% | 3,029 |
| Loan loss allowance to noncurrent loans | 142.2111% | 2,908 |
| Noncurrent assets plus other real estate owned to assets | 0.7559% | 2,066 |
| Noncurrent loans to loans | 0.8118% | 2,177 |
| Net loans and leases to total assets | 84.7914% | 365 |
| Net loans and leases to deposits | 108.0348% | 323 |
| Net loans and leases to core deposits | 117.1286% | 686 |
| Total domestic deposits to total assets | 78.4852% | 4,643 |
| Equity capital to assets | 11.4853% | 2,213 |
| Core capital (leverage) ratio | 11.5416% | 1,918 |
| Tier 1 risk-based capital ratio | 12.1466% | 4,431 |
| Total risk-based capital ratio | 13.1988% | 4,450 |
| Memoranda: | ||
| Average total assets | $547,105,400 | 1,285 |
| Average earning assets | $507,428,000 | 1,280 |
| Average equity | $63,987,800 | 1,236 |
| Average total loans | $458,756,200 | 1,105 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2225% | 404 |
| Cost of funding earning assets | 0.9074% | 330 |
| Net interest margin | 4.3151% | 886 |
| Noninterest income to average assets | 0.6070% | 2,437 |
| Noninterest expense to average assets | 3.2554% | 1,445 |
| Loan and lease loss provision to assets | 0.1676% | 1,210 |
| Net operating income to assets | 0.8132% | 3,468 |
| Return on assets (ROA) | 0.8153% | 3,505 |
| Pretax return on assets | 1.1835% | 2,972 |
| Return on Equity (ROE) | 6.9376% | 3,696 |
| Retained earnings to average equity (ytd only) | 3.7918% | 3,664 |
| Net charge-offs to loans | 0.0716% | 2,105 |
| Credit loss provision to net charge-offs | 280.9917% | 1,044 |
| Earnings coverage of net charge-offs (x) | 22.6032% | 1,852 |
| Efficiency ratio | 70.7158% | 2,418 |
| Assets per employee ($millions) | 4.7254% | 2,798 |
| Cash dividends to net income (ytd only)* | 45.3446% | 2,002 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4707% | 1,644 |
| Loan loss allowance to noncurrent loans | 100.6676% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 1.2603% | 1,286 |
| Noncurrent loans to loans | 1.4609% | 1,279 |
| Net loans and leases to total assets | 84.0499% | 429 |
| Net loans and leases to deposits | 108.5615% | 321 |
| Net loans and leases to core deposits | 118.6797% | 628 |
| Total domestic deposits to total assets | 77.4214% | 4,814 |
| Equity capital to assets | 11.7276% | 2,168 |
| Core capital (leverage) ratio | 11.8293% | 1,797 |
| Tier 1 risk-based capital ratio | 12.7524% | 4,172 |
| Total risk-based capital ratio | 14.0037% | 4,064 |
| Memoranda: | ||
| Average total assets | $541,000,750 | 1,310 |
| Average earning assets | $501,052,500 | 1,305 |
| Average equity | $63,574,500 | 1,251 |
| Average total loans | $450,879,500 | 1,131 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1697% | 419 |
| Cost of funding earning assets | 0.9026% | 299 |
| Net interest margin | 4.2671% | 944 |
| Noninterest income to average assets | 0.6167% | 2,384 |
| Noninterest expense to average assets | 3.2757% | 1,421 |
| Loan and lease loss provision to assets | 0.1415% | 1,446 |
| Net operating income to assets | 0.8040% | 3,381 |
| Return on assets (ROA) | 0.8040% | 3,439 |
| Pretax return on assets | 1.1504% | 2,976 |
| Return on Equity (ROE) | 6.8374% | 3,644 |
| Retained earnings to average equity (ytd only) | 3.6705% | 3,517 |
| Net charge-offs to loans | 0.0500% | 2,216 |
| Credit loss provision to net charge-offs | 342.3423% | 877 |
| Earnings coverage of net charge-offs (x) | 31.2523% | 1,430 |
| Efficiency ratio | 71.7163% | 2,397 |
| Assets per employee ($millions) | 4.6928% | 2,802 |
| Cash dividends to net income (ytd only)* | 46.3177% | 2,028 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4712% | 1,679 |
| Loan loss allowance to noncurrent loans | 104.0917% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.2655% | 1,319 |
| Noncurrent loans to loans | 1.4134% | 1,354 |
| Net loans and leases to total assets | 83.2510% | 520 |
| Net loans and leases to deposits | 108.4664% | 304 |
| Net loans and leases to core deposits | 118.8302% | 607 |
| Total domestic deposits to total assets | 76.7528% | 4,992 |
| Equity capital to assets | 11.7496% | 2,114 |
| Core capital (leverage) ratio | 11.8779% | 1,710 |
| Tier 1 risk-based capital ratio | 12.6752% | 4,194 |
| Total risk-based capital ratio | 13.9263% | 4,111 |
| Memoranda: | ||
| Average total assets | $537,043,330 | 1,326 |
| Average earning assets | $497,243,000 | 1,322 |
| Average equity | $63,153,000 | 1,259 |
| Average total loans | $443,964,330 | 1,154 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0786% | 461 |
| Cost of funding earning assets | 0.8967% | 289 |
| Net interest margin | 4.1819% | 1,027 |
| Noninterest income to average assets | 0.7364% | 1,797 |
| Noninterest expense to average assets | 3.3237% | 1,339 |
| Loan and lease loss provision to assets | 0.0750% | 2,305 |
| Net operating income to assets | 0.8324% | 3,069 |
| Return on assets (ROA) | 0.8324% | 3,126 |
| Pretax return on assets | 1.2096% | 2,554 |
| Return on Equity (ROE) | 7.0758% | 3,373 |
| Retained earnings to average equity (ytd only) | 3.8885% | 3,508 |
| Net charge-offs to loans | 0.0780% | 1,555 |
| Credit loss provision to net charge-offs | 117.6471% | 1,417 |
| Earnings coverage of net charge-offs (x) | 20.1529% | 1,498 |
| Efficiency ratio | 72.1237% | 2,550 |
| Assets per employee ($millions) | 4.7230% | 2,807 |
| Cash dividends to net income (ytd only)* | 45.0450% | 1,842 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4570% | 1,842 |
| Loan loss allowance to noncurrent loans | 98.8166% | 3,640 |
| Noncurrent assets plus other real estate owned to assets | 1.3643% | 1,230 |
| Noncurrent loans to loans | 1.4745% | 1,366 |
| Net loans and leases to total assets | 81.8118% | 589 |
| Net loans and leases to deposits | 102.6979% | 463 |
| Net loans and leases to core deposits | 113.1162% | 719 |
| Total domestic deposits to total assets | 79.6625% | 4,687 |
| Equity capital to assets | 11.7223% | 2,017 |
| Core capital (leverage) ratio | 11.9674% | 1,653 |
| Tier 1 risk-based capital ratio | 12.6903% | 4,264 |
| Total risk-based capital ratio | 13.9409% | 4,169 |
| Memoranda: | ||
| Average total assets | $533,382,000 | 1,334 |
| Average earning assets | $493,837,000 | 1,333 |
| Average equity | $62,749,000 | 1,267 |
| Average total loans | $435,968,000 | 1,169 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0209% | 570 |
| Cost of funding earning assets | 0.8885% | 319 |
| Net interest margin | 4.1324% | 1,301 |
| Noninterest income to average assets | 0.5120% | 3,159 |
| Noninterest expense to average assets | 3.3715% | 1,421 |
| Loan and lease loss provision to assets | 0.1547% | 1,614 |
| Net operating income to assets | 0.5737% | 4,333 |
| Return on assets (ROA) | 0.5800% | 4,404 |
| Pretax return on assets | 0.8211% | 4,127 |
| Return on Equity (ROE) | 4.6857% | 4,571 |
| Retained earnings to average equity (ytd only) | -0.1201% | 5,322 |
| Net charge-offs to loans | 0.0534% | 2,970 |
| Credit loss provision to net charge-offs | 356.1644% | 860 |
| Earnings coverage of net charge-offs (x) | 22.2648% | 1,743 |
| Efficiency ratio | 77.7138% | 1,734 |
| Assets per employee ($millions) | 4.5546% | 3,036 |
| Cash dividends to net income (ytd only)* | 102.5641% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5292% | 1,567 |
| Loan loss allowance to noncurrent loans | 78.1855% | 4,039 |
| Noncurrent assets plus other real estate owned to assets | 1.7737% | 840 |
| Noncurrent loans to loans | 1.9559% | 932 |
| Net loans and leases to total assets | 79.1973% | 1,004 |
| Net loans and leases to deposits | 99.8306% | 681 |
| Net loans and leases to core deposits | 111.4749% | 804 |
| Total domestic deposits to total assets | 79.3316% | 4,712 |
| Equity capital to assets | 11.8072% | 1,933 |
| Core capital (leverage) ratio | 11.9129% | 1,657 |
| Tier 1 risk-based capital ratio | 13.3669% | 3,848 |
| Total risk-based capital ratio | 14.6185% | 3,757 |
| Memoranda: | ||
| Average total assets | $504,310,200 | 1,360 |
| Average earning assets | $466,968,400 | 1,362 |
| Average equity | $62,423,800 | 1,255 |
| Average total loans | $410,085,400 | 1,180 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0321% | 564 |
| Cost of funding earning assets | 0.8745% | 330 |
| Net interest margin | 4.1576% | 1,236 |
| Noninterest income to average assets | 0.5078% | 3,196 |
| Noninterest expense to average assets | 3.4548% | 1,237 |
| Loan and lease loss provision to assets | 0.1819% | 1,217 |
| Net operating income to assets | 0.5220% | 4,608 |
| Return on assets (ROA) | 0.5282% | 4,685 |
| Pretax return on assets | 0.7329% | 4,520 |
| Return on Equity (ROE) | 4.2155% | 4,826 |
| Retained earnings to average equity (ytd only) | -1.1233% | 5,507 |
| Net charge-offs to loans | 0.0607% | 2,485 |
| Credit loss provision to net charge-offs | 367.5676% | 895 |
| Earnings coverage of net charge-offs (x) | 18.3082% | 2,000 |
| Efficiency ratio | 79.2196% | 1,528 |
| Assets per employee ($millions) | 4.8272% | 2,583 |
| Cash dividends to net income (ytd only)* | 126.6466% | 191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5724% | 1,554 |
| Loan loss allowance to noncurrent loans | 78.4677% | 4,075 |
| Noncurrent assets plus other real estate owned to assets | 1.7373% | 973 |
| Noncurrent loans to loans | 2.0039% | 980 |
| Net loans and leases to total assets | 76.5188% | 1,436 |
| Net loans and leases to deposits | 96.7653% | 974 |
| Net loans and leases to core deposits | 108.3098% | 1,028 |
| Total domestic deposits to total assets | 79.0767% | 4,703 |
| Equity capital to assets | 11.8502% | 2,220 |
| Core capital (leverage) ratio | 11.9548% | 1,707 |
| Tier 1 risk-based capital ratio | 13.6177% | 3,788 |
| Total risk-based capital ratio | 14.8696% | 3,701 |
| Memoranda: | ||
| Average total assets | $498,303,000 | 1,390 |
| Average earning assets | $461,820,750 | 1,383 |
| Average equity | $62,434,250 | 1,262 |
| Average total loans | $406,374,750 | 1,188 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0835% | 509 |
| Cost of funding earning assets | 0.8506% | 376 |
| Net interest margin | 4.2329% | 1,053 |
| Noninterest income to average assets | 0.4814% | 3,323 |
| Noninterest expense to average assets | 3.5128% | 1,146 |
| Loan and lease loss provision to assets | 0.1963% | 1,101 |
| Net operating income to assets | 0.4981% | 4,688 |
| Return on assets (ROA) | 0.5076% | 4,759 |
| Pretax return on assets | 0.7071% | 4,598 |
| Return on Equity (ROE) | 3.9736% | 4,923 |
| Retained earnings to average equity (ytd only) | -2.4303% | 5,576 |
| Net charge-offs to loans | 0.0469% | 2,544 |
| Credit loss provision to net charge-offs | 505.2632% | 643 |
| Earnings coverage of net charge-offs (x) | 22.9158% | 1,609 |
| Efficiency ratio | 79.7789% | 1,521 |
| Assets per employee ($millions) | 4.4901% | 3,048 |
| Cash dividends to net income (ytd only)* | 161.1604% | 178 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5506% | 1,671 |
| Loan loss allowance to noncurrent loans | 74.3327% | 4,263 |
| Noncurrent assets plus other real estate owned to assets | 1.9131% | 873 |
| Noncurrent loans to loans | 2.0860% | 940 |
| Net loans and leases to total assets | 81.2685% | 714 |
| Net loans and leases to deposits | 104.5463% | 435 |
| Net loans and leases to core deposits | 116.8176% | 615 |
| Total domestic deposits to total assets | 77.7344% | 5,048 |
| Equity capital to assets | 12.5888% | 1,716 |
| Core capital (leverage) ratio | 12.4898% | 1,358 |
| Tier 1 risk-based capital ratio | 13.7801% | 3,733 |
| Total risk-based capital ratio | 15.0322% | 3,648 |
| Memoranda: | ||
| Average total assets | $489,014,330 | 1,416 |
| Average earning assets | $453,075,000 | 1,417 |
| Average equity | $62,461,670 | 1,266 |
| Average total loans | $405,483,000 | 1,198 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1471% | 453 |
| Cost of funding earning assets | 0.8262% | 427 |
| Net interest margin | 4.3209% | 895 |
| Noninterest income to average assets | 0.4299% | 3,616 |
| Noninterest expense to average assets | 3.5358% | 1,122 |
| Loan and lease loss provision to assets | 0.1480% | 1,430 |
| Net operating income to assets | 0.5340% | 4,488 |
| Return on assets (ROA) | 0.5492% | 4,530 |
| Pretax return on assets | 0.7703% | 4,302 |
| Return on Equity (ROE) | 4.2681% | 4,792 |
| Retained earnings to average equity (ytd only) | 1.0734% | 4,809 |
| Net charge-offs to loans | 0.0040% | 2,987 |
| Credit loss provision to net charge-offs | 4,500.0000% | 85 |
| Earnings coverage of net charge-offs (x) | 272.7500% | 220 |
| Efficiency ratio | 79.7663% | 1,639 |
| Assets per employee ($millions) | 4.5378% | 3,004 |
| Cash dividends to net income (ytd only)* | 74.8503% | 1,088 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5134% | 1,926 |
| Loan loss allowance to noncurrent loans | 72.0618% | 4,269 |
| Noncurrent assets plus other real estate owned to assets | 1.9380% | 919 |
| Noncurrent loans to loans | 2.1002% | 998 |
| Net loans and leases to total assets | 81.9286% | 561 |
| Net loans and leases to deposits | 106.0299% | 341 |
| Net loans and leases to core deposits | 120.5878% | 450 |
| Total domestic deposits to total assets | 77.2693% | 5,253 |
| Equity capital to assets | 12.9199% | 1,448 |
| Core capital (leverage) ratio | 12.7704% | 1,246 |
| Tier 1 risk-based capital ratio | 13.8517% | 3,785 |
| Total risk-based capital ratio | 15.1030% | 3,721 |
| Memoranda: | ||
| Average total assets | $486,568,500 | 1,422 |
| Average earning assets | $450,742,500 | 1,421 |
| Average equity | $62,604,000 | 1,254 |
| Average total loans | $404,368,500 | 1,195 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1170% | 499 |
| Cost of funding earning assets | 0.7151% | 763 |
| Net interest margin | 4.4018% | 789 |
| Noninterest income to average assets | 0.5656% | 2,927 |
| Noninterest expense to average assets | 3.3759% | 1,535 |
| Loan and lease loss provision to assets | 0.2564% | 738 |
| Net operating income to assets | 0.6965% | 3,829 |
| Return on assets (ROA) | 0.7212% | 3,810 |
| Pretax return on assets | 1.0343% | 3,329 |
| Return on Equity (ROE) | 5.4938% | 4,287 |
| Retained earnings to average equity (ytd only) | 3.0521% | 3,885 |
| Net charge-offs to loans | 0.1362% | 1,996 |
| Credit loss provision to net charge-offs | 226.8431% | 1,250 |
| Earnings coverage of net charge-offs (x) | 11.1059% | 2,618 |
| Efficiency ratio | 72.8925% | 2,756 |
| Assets per employee ($millions) | 4.6884% | 2,745 |
| Cash dividends to net income (ytd only)* | 44.4444% | 2,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4666% | 2,149 |
| Loan loss allowance to noncurrent loans | 58.5099% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 2.2712% | 730 |
| Noncurrent loans to loans | 2.5065% | 729 |
| Net loans and leases to total assets | 81.8075% | 614 |
| Net loans and leases to deposits | 109.3926% | 260 |
| Net loans and leases to core deposits | 126.4719% | 321 |
| Total domestic deposits to total assets | 74.7834% | 5,572 |
| Equity capital to assets | 12.8132% | 1,456 |
| Core capital (leverage) ratio | 12.7463% | 1,246 |
| Tier 1 risk-based capital ratio | 13.8494% | 3,803 |
| Total risk-based capital ratio | 15.1002% | 3,733 |
| Memoranda: | ||
| Average total assets | $467,961,000 | 1,438 |
| Average earning assets | $432,227,800 | 1,446 |
| Average equity | $61,433,200 | 1,227 |
| Average total loans | $388,408,600 | 1,192 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0912% | 526 |
| Cost of funding earning assets | 0.6990% | 840 |
| Net interest margin | 4.3922% | 811 |
| Noninterest income to average assets | 0.5505% | 3,053 |
| Noninterest expense to average assets | 3.4751% | 1,333 |
| Loan and lease loss provision to assets | 0.2591% | 645 |
| Net operating income to assets | 0.6102% | 4,334 |
| Return on assets (ROA) | 0.6326% | 4,340 |
| Pretax return on assets | 0.9044% | 3,967 |
| Return on Equity (ROE) | 4.7885% | 4,721 |
| Retained earnings to average equity (ytd only) | 2.6090% | 4,555 |
| Net charge-offs to loans | 0.1808% | 1,399 |
| Credit loss provision to net charge-offs | 172.7447% | 1,512 |
| Earnings coverage of net charge-offs (x) | 7.5432% | 2,901 |
| Efficiency ratio | 75.4360% | 2,331 |
| Assets per employee ($millions) | 4.6251% | 2,800 |
| Cash dividends to net income (ytd only)* | 45.5166% | 2,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3886% | 2,655 |
| Loan loss allowance to noncurrent loans | 58.1942% | 4,749 |
| Noncurrent assets plus other real estate owned to assets | 2.1681% | 888 |
| Noncurrent loans to loans | 2.3862% | 868 |
| Net loans and leases to total assets | 81.7834% | 601 |
| Net loans and leases to deposits | 112.1567% | 205 |
| Net loans and leases to core deposits | 133.6427% | 228 |
| Total domestic deposits to total assets | 72.9188% | 5,795 |
| Equity capital to assets | 12.5494% | 1,718 |
| Core capital (leverage) ratio | 12.7819% | 1,281 |
| Tier 1 risk-based capital ratio | 13.6463% | 4,053 |
| Total risk-based capital ratio | 14.8963% | 3,982 |
| Memoranda: | ||
| Average total assets | $463,053,500 | 1,458 |
| Average earning assets | $427,628,750 | 1,461 |
| Average equity | $61,172,500 | 1,238 |
| Average total loans | $384,305,000 | 1,204 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0747% | 535 |
| Cost of funding earning assets | 0.6862% | 905 |
| Net interest margin | 4.3884% | 777 |
| Noninterest income to average assets | 0.5326% | 3,151 |
| Noninterest expense to average assets | 3.5129% | 1,280 |
| Loan and lease loss provision to assets | 0.2643% | 632 |
| Net operating income to assets | 0.5705% | 4,473 |
| Return on assets (ROA) | 0.5771% | 4,539 |
| Pretax return on assets | 0.8159% | 4,271 |
| Return on Equity (ROE) | 4.2912% | 4,903 |
| Retained earnings to average equity (ytd only) | 2.6533% | 4,370 |
| Net charge-offs to loans | 0.2542% | 1,018 |
| Credit loss provision to net charge-offs | 125.2610% | 1,742 |
| Earnings coverage of net charge-offs (x) | 5.0752% | 2,961 |
| Efficiency ratio | 76.6362% | 2,262 |
| Assets per employee ($millions) | 4.2349% | 3,406 |
| Cash dividends to net income (ytd only)* | 38.1679% | 2,473 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3890% | 2,811 |
| Loan loss allowance to noncurrent loans | 69.8884% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 1.9155% | 1,179 |
| Noncurrent loans to loans | 1.9874% | 1,234 |
| Net loans and leases to total assets | 81.3613% | 627 |
| Net loans and leases to deposits | 110.4512% | 252 |
| Net loans and leases to core deposits | 131.9056% | 247 |
| Total domestic deposits to total assets | 73.6626% | 5,821 |
| Equity capital to assets | 13.0089% | 1,399 |
| Core capital (leverage) ratio | 13.2228% | 1,085 |
| Tier 1 risk-based capital ratio | 14.3164% | 3,750 |
| Total risk-based capital ratio | 15.5664% | 3,667 |
| Memoranda: | ||
| Average total assets | $453,986,000 | 1,498 |
| Average earning assets | $419,101,000 | 1,498 |
| Average equity | $61,055,330 | 1,246 |
| Average total loans | $376,875,330 | 1,221 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0784% | 503 |
| Cost of funding earning assets | 0.6792% | 953 |
| Net interest margin | 4.3992% | 730 |
| Noninterest income to average assets | 0.5185% | 3,162 |
| Noninterest expense to average assets | 3.5816% | 1,161 |
| Loan and lease loss provision to assets | 0.2691% | 583 |
| Net operating income to assets | 0.5098% | 4,628 |
| Return on assets (ROA) | 0.5229% | 4,689 |
| Pretax return on assets | 0.7418% | 4,461 |
| Return on Equity (ROE) | 3.8225% | 5,053 |
| Retained earnings to average equity (ytd only) | 3.8225% | 3,713 |
| Net charge-offs to loans | 0.2962% | 802 |
| Credit loss provision to net charge-offs | 109.0909% | 1,522 |
| Earnings coverage of net charge-offs (x) | 4.0218% | 2,542 |
| Efficiency ratio | 78.3095% | 2,144 |
| Assets per employee ($millions) | 4.1621% | 3,633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4077% | 2,881 |
| Loan loss allowance to noncurrent loans | 62.2544% | 4,662 |
| Noncurrent assets plus other real estate owned to assets | 2.0979% | 1,103 |
| Noncurrent loans to loans | 2.2613% | 1,104 |
| Net loans and leases to total assets | 82.4365% | 417 |
| Net loans and leases to deposits | 108.1485% | 253 |
| Net loans and leases to core deposits | 130.7254% | 238 |
| Total domestic deposits to total assets | 76.2253% | 5,713 |
| Equity capital to assets | 13.6512% | 1,107 |
| Core capital (leverage) ratio | 13.4837% | 978 |
| Tier 1 risk-based capital ratio | 15.6370% | 3,089 |
| Total risk-based capital ratio | 16.8884% | 3,025 |
| Memoranda: | ||
| Average total assets | $445,944,000 | 1,537 |
| Average earning assets | $411,077,000 | 1,524 |
| Average equity | $61,007,500 | 1,255 |
| Average total loans | $371,392,000 | 1,239 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0673% | 678 |
| Cost of funding earning assets | 0.7140% | 1,035 |
| Net interest margin | 4.3533% | 961 |
| Noninterest income to average assets | 0.5648% | 3,093 |
| Noninterest expense to average assets | 3.3752% | 1,751 |
| Loan and lease loss provision to assets | 0.1431% | 1,859 |
| Net operating income to assets | 0.7407% | 3,674 |
| Return on assets (ROA) | 0.7422% | 3,769 |
| Pretax return on assets | 1.1526% | 2,861 |
| Return on Equity (ROE) | 5.2024% | 4,556 |
| Retained earnings to average equity (ytd only) | 2.6948% | 4,328 |
| Net charge-offs to loans | 0.0504% | 3,823 |
| Credit loss provision to net charge-offs | 337.0787% | 778 |
| Earnings coverage of net charge-offs (x) | 30.4663% | 1,319 |
| Efficiency ratio | 72.2963% | 3,155 |
| Assets per employee ($millions) | 4.1344% | 3,659 |
| Cash dividends to net income (ytd only)* | 48.2005% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4351% | 2,773 |
| Loan loss allowance to noncurrent loans | 51.4912% | 5,059 |
| Noncurrent assets plus other real estate owned to assets | 2.5360% | 901 |
| Noncurrent loans to loans | 2.7871% | 850 |
| Net loans and leases to total assets | 81.7551% | 548 |
| Net loans and leases to deposits | 109.0346% | 266 |
| Net loans and leases to core deposits | 127.0914% | 283 |
| Total domestic deposits to total assets | 74.9808% | 5,865 |
| Equity capital to assets | 13.7104% | 1,069 |
| Core capital (leverage) ratio | 13.8983% | 840 |
| Tier 1 risk-based capital ratio | 15.8133% | 3,049 |
| Total risk-based capital ratio | 17.0651% | 2,999 |
| Memoranda: | ||
| Average total assets | $419,299,600 | 1,583 |
| Average earning assets | $395,260,800 | 1,546 |
| Average equity | $59,818,000 | 1,224 |
| Average total loans | $353,505,600 | 1,248 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0651% | 692 |
| Cost of funding earning assets | 0.7128% | 1,091 |
| Net interest margin | 4.3524% | 952 |
| Noninterest income to average assets | 0.5123% | 3,465 |
| Noninterest expense to average assets | 3.4002% | 1,667 |
| Loan and lease loss provision to assets | 0.1451% | 1,724 |
| Net operating income to assets | 0.6763% | 4,073 |
| Return on assets (ROA) | 0.6784% | 4,144 |
| Pretax return on assets | 1.0969% | 3,198 |
| Return on Equity (ROE) | 4.7061% | 4,856 |
| Retained earnings to average equity (ytd only) | 4.7061% | 3,277 |
| Net charge-offs to loans | -0.0076% | 5,371 |
| Credit loss provision to net charge-offs | -2,250.0000% | 5,975 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.2972% | 2,939 |
| Assets per employee ($millions) | 4.1271% | 3,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4612% | 2,899 |
| Loan loss allowance to noncurrent loans | 71.0389% | 4,448 |
| Noncurrent assets plus other real estate owned to assets | 2.0231% | 1,409 |
| Noncurrent loans to loans | 2.0570% | 1,525 |
| Net loans and leases to total assets | 84.2836% | 322 |
| Net loans and leases to deposits | 110.8207% | 196 |
| Net loans and leases to core deposits | 126.0696% | 284 |
| Total domestic deposits to total assets | 76.0540% | 5,805 |
| Equity capital to assets | 14.3297% | 901 |
| Core capital (leverage) ratio | 14.2973% | 770 |
| Tier 1 risk-based capital ratio | 16.8020% | 2,689 |
| Total risk-based capital ratio | 18.0549% | 2,633 |
| Memoranda: | ||
| Average total assets | $413,529,250 | 1,610 |
| Average earning assets | $392,083,500 | 1,566 |
| Average equity | $59,609,500 | 1,240 |
| Average total loans | $350,148,250 | 1,267 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0605% | 668 |
| Cost of funding earning assets | 0.7104% | 1,138 |
| Net interest margin | 4.3500% | 938 |
| Noninterest income to average assets | 0.4657% | 3,744 |
| Noninterest expense to average assets | 3.3465% | 1,812 |
| Loan and lease loss provision to assets | 0.1465% | 1,684 |
| Net operating income to assets | 0.6794% | 3,945 |
| Return on assets (ROA) | 0.6825% | 4,028 |
| Pretax return on assets | 1.1028% | 3,089 |
| Return on Equity (ROE) | 4.7250% | 4,806 |
| Retained earnings to average equity (ytd only) | 4.7250% | 3,133 |
| Net charge-offs to loans | -0.0295% | 5,678 |
| Credit loss provision to net charge-offs | -588.2353% | 5,609 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8945% | 3,175 |
| Assets per employee ($millions) | 3.8906% | 4,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4590% | 3,079 |
| Loan loss allowance to noncurrent loans | 69.9340% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 1.9911% | 1,614 |
| Noncurrent loans to loans | 2.0862% | 1,603 |
| Net loans and leases to total assets | 84.2686% | 280 |
| Net loans and leases to deposits | 111.1746% | 180 |
| Net loans and leases to core deposits | 120.7182% | 357 |
| Total domestic deposits to total assets | 75.7985% | 5,932 |
| Equity capital to assets | 14.4582% | 830 |
| Core capital (leverage) ratio | 14.4648% | 711 |
| Tier 1 risk-based capital ratio | 16.9606% | 2,635 |
| Total risk-based capital ratio | 18.2136% | 2,595 |
| Memoranda: | ||
| Average total assets | $409,675,670 | 1,625 |
| Average earning assets | $388,502,670 | 1,578 |
| Average equity | $59,174,670 | 1,235 |
| Average total loans | $345,666,330 | 1,272 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9744% | 754 |
| Cost of funding earning assets | 0.7019% | 1,235 |
| Net interest margin | 4.2726% | 1,057 |
| Noninterest income to average assets | 0.5148% | 3,297 |
| Noninterest expense to average assets | 3.3871% | 1,736 |
| Loan and lease loss provision to assets | 0.1477% | 1,646 |
| Net operating income to assets | 0.6355% | 4,021 |
| Return on assets (ROA) | 0.6418% | 4,079 |
| Pretax return on assets | 1.0404% | 3,162 |
| Return on Equity (ROE) | 4.4454% | 4,821 |
| Retained earnings to average equity (ytd only) | 4.4454% | 3,454 |
| Net charge-offs to loans | -0.0470% | 5,777 |
| Credit loss provision to net charge-offs | -375.0000% | 5,109 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1915% | 3,099 |
| Assets per employee ($millions) | 3.8578% | 4,219 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4777% | 3,249 |
| Loan loss allowance to noncurrent loans | 51.4356% | 5,141 |
| Noncurrent assets plus other real estate owned to assets | 2.6480% | 1,164 |
| Noncurrent loans to loans | 2.8730% | 1,138 |
| Net loans and leases to total assets | 82.8562% | 307 |
| Net loans and leases to deposits | 108.9544% | 169 |
| Net loans and leases to core deposits | 116.3181% | 404 |
| Total domestic deposits to total assets | 76.0467% | 6,072 |
| Equity capital to assets | 14.6028% | 763 |
| Core capital (leverage) ratio | 14.5070% | 699 |
| Tier 1 risk-based capital ratio | 17.4271% | 2,501 |
| Total risk-based capital ratio | 18.6802% | 2,471 |
| Memoranda: | ||
| Average total assets | $406,365,500 | 1,646 |
| Average earning assets | $385,249,500 | 1,599 |
| Average equity | $58,667,500 | 1,245 |
| Average total loans | $340,499,000 | 1,288 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1764% | 679 |
| Cost of funding earning assets | 0.7956% | 1,235 |
| Net interest margin | 4.3808% | 944 |
| Noninterest income to average assets | 0.7352% | 2,358 |
| Noninterest expense to average assets | 3.4939% | 1,669 |
| Loan and lease loss provision to assets | 0.1388% | 2,572 |
| Net operating income to assets | 0.8180% | 3,200 |
| Return on assets (ROA) | 0.8229% | 3,265 |
| Pretax return on assets | 1.2460% | 2,384 |
| Return on Equity (ROE) | 5.5305% | 4,371 |
| Retained earnings to average equity (ytd only) | 5.5305% | 2,259 |
| Net charge-offs to loans | 0.3050% | 2,159 |
| Credit loss provision to net charge-offs | 56.1441% | 3,669 |
| Earnings coverage of net charge-offs (x) | 5.5731% | 3,264 |
| Efficiency ratio | 71.7242% | 3,527 |
| Assets per employee ($millions) | 4.1598% | 3,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4233% | 3,540 |
| Loan loss allowance to noncurrent loans | 49.2527% | 5,288 |
| Noncurrent assets plus other real estate owned to assets | 2.6343% | 1,281 |
| Noncurrent loans to loans | 2.8897% | 1,213 |
| Net loans and leases to total assets | 82.2974% | 388 |
| Net loans and leases to deposits | 112.6702% | 127 |
| Net loans and leases to core deposits | 118.8526% | 351 |
| Total domestic deposits to total assets | 73.0428% | 6,354 |
| Equity capital to assets | 14.2725% | 836 |
| Core capital (leverage) ratio | 14.3621% | 729 |
| Tier 1 risk-based capital ratio | 17.1111% | 2,560 |
| Total risk-based capital ratio | 18.3635% | 2,531 |
| Memoranda: | ||
| Average total assets | $381,952,600 | 1,717 |
| Average earning assets | $360,620,600 | 1,671 |
| Average equity | $56,830,600 | 1,266 |
| Average total loans | $309,523,800 | 1,371 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1897% | 661 |
| Cost of funding earning assets | 0.8145% | 1,245 |
| Net interest margin | 4.3752% | 944 |
| Noninterest income to average assets | 0.7506% | 2,366 |
| Noninterest expense to average assets | 3.6311% | 1,347 |
| Loan and lease loss provision to assets | 0.1775% | 2,049 |
| Net operating income to assets | 0.6785% | 3,962 |
| Return on assets (ROA) | 0.6849% | 4,071 |
| Pretax return on assets | 1.0794% | 3,194 |
| Return on Equity (ROE) | 4.5527% | 4,959 |
| Retained earnings to average equity (ytd only) | 4.5527% | 3,434 |
| Net charge-offs to loans | 0.0040% | 5,120 |
| Credit loss provision to net charge-offs | 5,555.5556% | 54 |
| Earnings coverage of net charge-offs (x) | 390.2125% | 149 |
| Efficiency ratio | 74.4377% | 2,993 |
| Assets per employee ($millions) | 3.7939% | 4,257 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7178% | 2,570 |
| Loan loss allowance to noncurrent loans | 87.7844% | 3,823 |
| Noncurrent assets plus other real estate owned to assets | 1.8594% | 2,186 |
| Noncurrent loans to loans | 1.9568% | 2,300 |
| Net loans and leases to total assets | 82.5699% | 325 |
| Net loans and leases to deposits | 110.7153% | 142 |
| Net loans and leases to core deposits | 116.5517% | 381 |
| Total domestic deposits to total assets | 74.5786% | 6,322 |
| Equity capital to assets | 14.3231% | 872 |
| Core capital (leverage) ratio | 14.4967% | 736 |
| Tier 1 risk-based capital ratio | 17.0212% | 2,696 |
| Total risk-based capital ratio | 18.2771% | 2,659 |
| Memoranda: | ||
| Average total assets | $375,524,750 | 1,751 |
| Average earning assets | $354,257,250 | 1,707 |
| Average equity | $56,492,250 | 1,274 |
| Average total loans | $301,819,500 | 1,400 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2099% | 629 |
| Cost of funding earning assets | 0.8456% | 1,161 |
| Net interest margin | 4.3642% | 911 |
| Noninterest income to average assets | 0.8002% | 2,183 |
| Noninterest expense to average assets | 3.7574% | 1,159 |
| Loan and lease loss provision to assets | 0.2555% | 1,448 |
| Net operating income to assets | 0.5859% | 4,369 |
| Return on assets (ROA) | 0.5958% | 4,494 |
| Pretax return on assets | 0.9154% | 3,852 |
| Return on Equity (ROE) | 3.8932% | 5,260 |
| Retained earnings to average equity (ytd only) | 3.8932% | 3,821 |
| Net charge-offs to loans | 0.0062% | 4,763 |
| Credit loss provision to net charge-offs | 5,222.2222% | 57 |
| Earnings coverage of net charge-offs (x) | 236.2222% | 220 |
| Efficiency ratio | 76.4771% | 2,711 |
| Assets per employee ($millions) | 3.6624% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8383% | 2,299 |
| Loan loss allowance to noncurrent loans | 95.7475% | 3,565 |
| Noncurrent assets plus other real estate owned to assets | 1.7935% | 2,425 |
| Noncurrent loans to loans | 1.9200% | 2,482 |
| Net loans and leases to total assets | 80.1752% | 520 |
| Net loans and leases to deposits | 105.5302% | 233 |
| Net loans and leases to core deposits | 111.7513% | 489 |
| Total domestic deposits to total assets | 75.9737% | 6,249 |
| Equity capital to assets | 14.7973% | 757 |
| Core capital (leverage) ratio | 14.8298% | 641 |
| Tier 1 risk-based capital ratio | 18.1432% | 2,271 |
| Total risk-based capital ratio | 19.4000% | 2,230 |
| Memoranda: | ||
| Average total assets | $367,914,000 | 1,782 |
| Average earning assets | $346,727,330 | 1,742 |
| Average equity | $56,304,000 | 1,282 |
| Average total loans | $290,868,670 | 1,448 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3408% | 466 |
| Cost of funding earning assets | 0.8931% | 1,019 |
| Net interest margin | 4.4477% | 740 |
| Noninterest income to average assets | 0.7227% | 2,467 |
| Noninterest expense to average assets | 3.7905% | 1,123 |
| Loan and lease loss provision to assets | 0.2601% | 1,370 |
| Net operating income to assets | 0.5588% | 4,419 |
| Return on assets (ROA) | 0.5666% | 4,526 |
| Pretax return on assets | 0.8787% | 3,845 |
| Return on Equity (ROE) | 3.6392% | 5,277 |
| Retained earnings to average equity (ytd only) | 3.6392% | 4,060 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0876% | 2,744 |
| Assets per employee ($millions) | 3.4808% | 5,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8958% | 2,313 |
| Loan loss allowance to noncurrent loans | 88.9699% | 3,657 |
| Noncurrent assets plus other real estate owned to assets | 2.1128% | 2,222 |
| Noncurrent loans to loans | 2.1308% | 2,463 |
| Net loans and leases to total assets | 77.7739% | 638 |
| Net loans and leases to deposits | 107.3962% | 171 |
| Net loans and leases to core deposits | 113.5025% | 404 |
| Total domestic deposits to total assets | 72.4177% | 6,638 |
| Equity capital to assets | 15.4598% | 646 |
| Core capital (leverage) ratio | 15.1220% | 574 |
| Tier 1 risk-based capital ratio | 19.1695% | 1,989 |
| Total risk-based capital ratio | 20.3650% | 1,981 |
| Memoranda: | ||
| Average total assets | $361,428,000 | 1,831 |
| Average earning assets | $340,846,500 | 1,772 |
| Average equity | $56,275,500 | 1,299 |
| Average total loans | $280,755,500 | 1,517 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2504% | 1,017 |
| Cost of funding earning assets | 1.0200% | 1,253 |
| Net interest margin | 4.2304% | 1,575 |
| Noninterest income to average assets | 0.8541% | 2,022 |
| Noninterest expense to average assets | 3.4265% | 1,994 |
| Loan and lease loss provision to assets | 0.3953% | 1,649 |
| Net operating income to assets | 0.5966% | 4,255 |
| Return on assets (ROA) | 0.6808% | 4,098 |
| Pretax return on assets | 1.1157% | 3,100 |
| Return on Equity (ROE) | 4.5118% | 4,921 |
| Retained earnings to average equity (ytd only) | 4.5118% | 3,053 |
| Net charge-offs to loans | 0.1855% | 3,898 |
| Credit loss provision to net charge-offs | 290.8907% | 837 |
| Earnings coverage of net charge-offs (x) | 10.1518% | 2,170 |
| Efficiency ratio | 71.2969% | 3,569 |
| Assets per employee ($millions) | 3.6098% | 4,757 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9347% | 2,185 |
| Loan loss allowance to noncurrent loans | 68.4903% | 4,313 |
| Noncurrent assets plus other real estate owned to assets | 2.6012% | 1,867 |
| Noncurrent loans to loans | 2.8248% | 1,865 |
| Net loans and leases to total assets | 74.5747% | 1,116 |
| Net loans and leases to deposits | 103.4071% | 285 |
| Net loans and leases to core deposits | 108.4565% | 595 |
| Total domestic deposits to total assets | 72.1176% | 6,686 |
| Equity capital to assets | 15.6834% | 606 |
| Core capital (leverage) ratio | 14.9150% | 588 |
| Tier 1 risk-based capital ratio | 19.8549% | 1,716 |
| Total risk-based capital ratio | 21.1136% | 1,684 |
| Memoranda: | ||
| Average total assets | $363,546,600 | 1,789 |
| Average earning assets | $339,612,800 | 1,751 |
| Average equity | $54,856,000 | 1,302 |
| Average total loans | $266,245,800 | 1,557 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2367% | 1,126 |
| Cost of funding earning assets | 1.0404% | 1,335 |
| Net interest margin | 4.1962% | 1,749 |
| Noninterest income to average assets | 0.8816% | 1,903 |
| Noninterest expense to average assets | 3.3810% | 2,056 |
| Loan and lease loss provision to assets | 0.4426% | 1,424 |
| Net operating income to assets | 0.6276% | 4,254 |
| Return on assets (ROA) | 0.7384% | 3,993 |
| Pretax return on assets | 1.1460% | 3,174 |
| Return on Equity (ROE) | 4.9414% | 4,844 |
| Retained earnings to average equity (ytd only) | 4.9414% | 3,405 |
| Net charge-offs to loans | 0.2114% | 3,462 |
| Credit loss provision to net charge-offs | 288.5714% | 937 |
| Earnings coverage of net charge-offs (x) | 9.2285% | 2,350 |
| Efficiency ratio | 70.4888% | 3,598 |
| Assets per employee ($millions) | 3.5507% | 4,849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9346% | 2,373 |
| Loan loss allowance to noncurrent loans | 113.9447% | 2,892 |
| Noncurrent assets plus other real estate owned to assets | 1.6133% | 3,175 |
| Noncurrent loans to loans | 1.6978% | 3,241 |
| Net loans and leases to total assets | 71.4774% | 1,651 |
| Net loans and leases to deposits | 99.3812% | 475 |
| Net loans and leases to core deposits | 103.9371% | 873 |
| Total domestic deposits to total assets | 71.9225% | 6,745 |
| Equity capital to assets | 15.3878% | 730 |
| Core capital (leverage) ratio | 14.8211% | 641 |
| Tier 1 risk-based capital ratio | 19.7868% | 1,815 |
| Total risk-based capital ratio | 21.0449% | 1,784 |
| Memoranda: | ||
| Average total assets | $365,090,250 | 1,804 |
| Average earning assets | $340,614,500 | 1,770 |
| Average equity | $54,558,000 | 1,317 |
| Average total loans | $264,865,500 | 1,577 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3027% | 1,051 |
| Cost of funding earning assets | 1.0753% | 1,330 |
| Net interest margin | 4.2274% | 1,676 |
| Noninterest income to average assets | 0.6764% | 2,793 |
| Noninterest expense to average assets | 3.2306% | 2,494 |
| Loan and lease loss provision to assets | 0.2459% | 2,602 |
| Net operating income to assets | 0.6926% | 3,905 |
| Return on assets (ROA) | 0.8583% | 3,367 |
| Pretax return on assets | 1.4003% | 2,194 |
| Return on Equity (ROE) | 5.8006% | 4,421 |
| Retained earnings to average equity (ytd only) | 5.8006% | 2,826 |
| Net charge-offs to loans | 0.2994% | 2,829 |
| Credit loss provision to net charge-offs | 113.3501% | 2,406 |
| Earnings coverage of net charge-offs (x) | 6.3955% | 2,644 |
| Efficiency ratio | 69.9598% | 3,769 |
| Assets per employee ($millions) | 3.8883% | 4,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6583% | 3,397 |
| Loan loss allowance to noncurrent loans | 117.7311% | 2,779 |
| Noncurrent assets plus other real estate owned to assets | 1.5127% | 3,433 |
| Noncurrent loans to loans | 1.4085% | 3,803 |
| Net loans and leases to total assets | 70.8880% | 1,754 |
| Net loans and leases to deposits | 101.3773% | 366 |
| Net loans and leases to core deposits | 105.7638% | 757 |
| Total domestic deposits to total assets | 69.9249% | 6,910 |
| Equity capital to assets | 15.0593% | 773 |
| Core capital (leverage) ratio | 14.4582% | 709 |
| Tier 1 risk-based capital ratio | 18.7517% | 2,048 |
| Total risk-based capital ratio | 19.9785% | 2,020 |
| Memoranda: | ||
| Average total assets | $366,061,670 | 1,801 |
| Average earning assets | $341,298,670 | 1,763 |
| Average equity | $54,167,000 | 1,314 |
| Average total loans | $265,160,330 | 1,574 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3472% | 1,015 |
| Cost of funding earning assets | 1.1173% | 1,309 |
| Net interest margin | 4.2299% | 1,675 |
| Noninterest income to average assets | 0.6224% | 3,092 |
| Noninterest expense to average assets | 3.1042% | 2,904 |
| Loan and lease loss provision to assets | 0.2457% | 2,501 |
| Net operating income to assets | 0.7137% | 3,814 |
| Return on assets (ROA) | 1.0449% | 2,498 |
| Pretax return on assets | 1.7252% | 1,243 |
| Return on Equity (ROE) | 7.1246% | 3,707 |
| Retained earnings to average equity (ytd only) | 7.1246% | 2,366 |
| Net charge-offs to loans | 0.3398% | 2,292 |
| Credit loss provision to net charge-offs | 99.5575% | 2,385 |
| Earnings coverage of net charge-offs (x) | 5.8894% | 2,284 |
| Efficiency ratio | 68.1121% | 4,148 |
| Assets per employee ($millions) | 3.9845% | 4,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6394% | 3,579 |
| Loan loss allowance to noncurrent loans | 93.8847% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 1.8231% | 3,146 |
| Noncurrent loans to loans | 1.7461% | 3,493 |
| Net loans and leases to total assets | 70.6099% | 1,647 |
| Net loans and leases to deposits | 104.4902% | 240 |
| Net loans and leases to core deposits | 109.3209% | 558 |
| Total domestic deposits to total assets | 67.5756% | 7,063 |
| Equity capital to assets | 14.7988% | 783 |
| Core capital (leverage) ratio | 14.4347% | 706 |
| Tier 1 risk-based capital ratio | 19.1361% | 1,950 |
| Total risk-based capital ratio | 20.3905% | 1,919 |
| Memoranda: | ||
| Average total assets | $366,341,500 | 1,808 |
| Average earning assets | $340,814,500 | 1,772 |
| Average equity | $53,729,500 | 1,316 |
| Average total loans | $266,007,500 | 1,574 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3645% | 1,515 |
| Cost of funding earning assets | 1.2694% | 1,631 |
| Net interest margin | 4.0951% | 2,445 |
| Noninterest income to average assets | 0.6858% | 2,686 |
| Noninterest expense to average assets | 3.3528% | 2,356 |
| Loan and lease loss provision to assets | 0.2745% | 3,474 |
| Net operating income to assets | 0.5555% | 4,208 |
| Return on assets (ROA) | 0.5600% | 4,374 |
| Pretax return on assets | 0.8913% | 3,634 |
| Return on Equity (ROE) | 3.8095% | 4,942 |
| Retained earnings to average equity (ytd only) | 3.8095% | 3,505 |
| Net charge-offs to loans | 0.2381% | 4,288 |
| Credit loss provision to net charge-offs | 161.9765% | 1,699 |
| Earnings coverage of net charge-offs (x) | 6.8375% | 2,442 |
| Efficiency ratio | 74.3174% | 3,173 |
| Assets per employee ($millions) | 4.0232% | 3,802 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3966% | 4,474 |
| Loan loss allowance to noncurrent loans | 141.8587% | 2,240 |
| Noncurrent assets plus other real estate owned to assets | 1.1032% | 4,410 |
| Noncurrent loans to loans | 0.9845% | 4,738 |
| Net loans and leases to total assets | 72.4124% | 1,572 |
| Net loans and leases to deposits | 112.0458% | 142 |
| Net loans and leases to core deposits | 114.5279% | 482 |
| Total domestic deposits to total assets | 64.6276% | 7,162 |
| Equity capital to assets | 14.5340% | 886 |
| Core capital (leverage) ratio | 13.8841% | 851 |
| Tier 1 risk-based capital ratio | 17.9643% | 2,200 |
| Total risk-based capital ratio | 19.0253% | 2,245 |
| Memoranda: | ||
| Average total assets | $352,305,000 | 1,837 |
| Average earning assets | $329,127,400 | 1,796 |
| Average equity | $51,792,200 | 1,321 |
| Average total loans | $250,686,000 | 1,671 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3694% | 1,607 |
| Cost of funding earning assets | 1.3075% | 1,660 |
| Net interest margin | 4.0619% | 2,637 |
| Noninterest income to average assets | 0.7151% | 2,510 |
| Noninterest expense to average assets | 3.3591% | 2,316 |
| Loan and lease loss provision to assets | 0.2763% | 3,304 |
| Net operating income to assets | 0.5427% | 4,350 |
| Return on assets (ROA) | 0.5488% | 4,509 |
| Pretax return on assets | 0.8936% | 3,791 |
| Return on Equity (ROE) | 3.7222% | 5,117 |
| Retained earnings to average equity (ytd only) | 3.7222% | 4,097 |
| Net charge-offs to loans | 0.1668% | 4,456 |
| Credit loss provision to net charge-offs | 234.7403% | 1,209 |
| Earnings coverage of net charge-offs (x) | 9.8571% | 1,996 |
| Efficiency ratio | 74.3256% | 3,116 |
| Assets per employee ($millions) | 3.9383% | 3,981 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5341% | 3,942 |
| Loan loss allowance to noncurrent loans | 139.8748% | 2,150 |
| Noncurrent assets plus other real estate owned to assets | 0.9702% | 4,806 |
| Noncurrent loans to loans | 1.0968% | 4,724 |
| Net loans and leases to total assets | 68.0369% | 2,488 |
| Net loans and leases to deposits | 104.5825% | 297 |
| Net loans and leases to core deposits | 106.7018% | 830 |
| Total domestic deposits to total assets | 65.0557% | 7,229 |
| Equity capital to assets | 14.7244% | 926 |
| Core capital (leverage) ratio | 13.9726% | 910 |
| Tier 1 risk-based capital ratio | 18.7217% | 2,019 |
| Total risk-based capital ratio | 19.7712% | 2,043 |
| Memoranda: | ||
| Average total assets | $348,854,500 | 1,864 |
| Average earning assets | $326,733,750 | 1,820 |
| Average equity | $51,437,750 | 1,329 |
| Average total loans | $246,142,000 | 1,713 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4437% | 1,433 |
| Cost of funding earning assets | 1.3381% | 1,711 |
| Net interest margin | 4.1057% | 2,389 |
| Noninterest income to average assets | 0.7302% | 2,372 |
| Noninterest expense to average assets | 3.4396% | 2,154 |
| Loan and lease loss provision to assets | 0.2823% | 3,122 |
| Net operating income to assets | 0.5236% | 4,401 |
| Return on assets (ROA) | 0.5236% | 4,546 |
| Pretax return on assets | 0.8517% | 3,826 |
| Return on Equity (ROE) | 3.5495% | 5,138 |
| Retained earnings to average equity (ytd only) | 3.5495% | 3,980 |
| Net charge-offs to loans | 0.1864% | 4,045 |
| Credit loss provision to net charge-offs | 213.1004% | 1,410 |
| Earnings coverage of net charge-offs (x) | 8.5590% | 2,042 |
| Efficiency ratio | 75.2056% | 3,149 |
| Assets per employee ($millions) | 4.1216% | 3,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4673% | 4,270 |
| Loan loss allowance to noncurrent loans | 133.3577% | 2,207 |
| Noncurrent assets plus other real estate owned to assets | 0.8195% | 5,243 |
| Noncurrent loans to loans | 1.1003% | 4,830 |
| Net loans and leases to total assets | 69.8104% | 2,258 |
| Net loans and leases to deposits | 106.4941% | 250 |
| Net loans and leases to core deposits | 108.6776% | 773 |
| Total domestic deposits to total assets | 65.5532% | 7,271 |
| Equity capital to assets | 14.8274% | 855 |
| Core capital (leverage) ratio | 14.0823% | 855 |
| Tier 1 risk-based capital ratio | 18.5186% | 2,005 |
| Total risk-based capital ratio | 19.5662% | 2,023 |
| Memoranda: | ||
| Average total assets | $345,677,670 | 1,886 |
| Average earning assets | $323,601,000 | 1,841 |
| Average equity | $50,993,670 | 1,319 |
| Average total loans | $245,645,000 | 1,735 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4461% | 1,437 |
| Cost of funding earning assets | 1.3696% | 1,773 |
| Net interest margin | 4.0765% | 2,356 |
| Noninterest income to average assets | 0.6745% | 2,709 |
| Noninterest expense to average assets | 3.4903% | 2,025 |
| Loan and lease loss provision to assets | 0.2971% | 2,784 |
| Net operating income to assets | 0.4543% | 4,695 |
| Return on assets (ROA) | 0.4543% | 4,783 |
| Pretax return on assets | 0.6978% | 4,309 |
| Return on Equity (ROE) | 3.0880% | 5,324 |
| Retained earnings to average equity (ytd only) | 3.0880% | 4,315 |
| Net charge-offs to loans | 0.4125% | 2,452 |
| Credit loss provision to net charge-offs | 101.1905% | 2,608 |
| Earnings coverage of net charge-offs (x) | 3.3889% | 2,757 |
| Efficiency ratio | 77.8182% | 2,874 |
| Assets per employee ($millions) | 4.1652% | 3,509 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3887% | 4,720 |
| Loan loss allowance to noncurrent loans | 95.2448% | 3,011 |
| Noncurrent assets plus other real estate owned to assets | 1.0742% | 4,776 |
| Noncurrent loans to loans | 1.4580% | 4,282 |
| Net loans and leases to total assets | 70.3780% | 2,057 |
| Net loans and leases to deposits | 107.7326% | 219 |
| Net loans and leases to core deposits | 110.3043% | 706 |
| Total domestic deposits to total assets | 65.3266% | 7,346 |
| Equity capital to assets | 14.9010% | 787 |
| Core capital (leverage) ratio | 14.2384% | 796 |
| Tier 1 risk-based capital ratio | 18.4631% | 1,971 |
| Total risk-based capital ratio | 19.5086% | 1,989 |
| Memoranda: | ||
| Average total assets | $343,350,500 | 1,909 |
| Average earning assets | $320,962,500 | 1,872 |
| Average equity | $50,518,000 | 1,318 |
| Average total loans | $244,362,500 | 1,760 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4740% | 2,383 |
| Cost of funding earning assets | 1.6518% | 1,821 |
| Net interest margin | 3.8222% | 3,855 |
| Noninterest income to average assets | 0.7353% | 2,619 |
| Noninterest expense to average assets | 3.1447% | 3,295 |
| Loan and lease loss provision to assets | 0.3873% | 3,790 |
| Net operating income to assets | 0.4858% | 4,166 |
| Return on assets (ROA) | 0.5053% | 4,231 |
| Pretax return on assets | 0.7939% | 3,660 |
| Return on Equity (ROE) | 3.5667% | 4,717 |
| Retained earnings to average equity (ytd only) | 3.5667% | 3,363 |
| Net charge-offs to loans | 0.2681% | 4,687 |
| Credit loss provision to net charge-offs | 214.2857% | 1,417 |
| Earnings coverage of net charge-offs (x) | 6.3676% | 2,374 |
| Efficiency ratio | 73.2104% | 3,554 |
| Assets per employee ($millions) | 4.0134% | 3,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3810% | 4,610 |
| Loan loss allowance to noncurrent loans | 120.6491% | 2,426 |
| Noncurrent assets plus other real estate owned to assets | 0.8457% | 5,313 |
| Noncurrent loans to loans | 1.1446% | 4,821 |
| Net loans and leases to total assets | 69.9928% | 2,536 |
| Net loans and leases to deposits | 110.0511% | 237 |
| Net loans and leases to core deposits | 114.3226% | 711 |
| Total domestic deposits to total assets | 63.6003% | 7,449 |
| Equity capital to assets | 14.5274% | 898 |
| Core capital (leverage) ratio | 13.8852% | 868 |
| Tier 1 risk-based capital ratio | 18.1951% | 1,941 |
| Total risk-based capital ratio | 19.2413% | 1,964 |
| Memoranda: | ||
| Average total assets | $344,735,200 | 1,893 |
| Average earning assets | $321,097,200 | 1,854 |
| Average equity | $48,840,200 | 1,365 |
| Average total loans | $232,390,600 | 1,882 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4733% | 2,545 |
| Cost of funding earning assets | 1.6972% | 1,892 |
| Net interest margin | 3.7761% | 4,073 |
| Noninterest income to average assets | 0.7362% | 2,602 |
| Noninterest expense to average assets | 3.2092% | 2,896 |
| Loan and lease loss provision to assets | 0.2735% | 4,398 |
| Net operating income to assets | 0.4349% | 4,609 |
| Return on assets (ROA) | 0.4542% | 4,711 |
| Pretax return on assets | 0.7966% | 3,920 |
| Return on Equity (ROE) | 3.2264% | 5,130 |
| Retained earnings to average equity (ytd only) | 3.2264% | 4,168 |
| Net charge-offs to loans | 0.1762% | 4,901 |
| Credit loss provision to net charge-offs | 233.3333% | 1,456 |
| Earnings coverage of net charge-offs (x) | 8.8713% | 2,099 |
| Efficiency ratio | 75.5258% | 3,033 |
| Assets per employee ($millions) | 4.0568% | 3,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2962% | 4,985 |
| Loan loss allowance to noncurrent loans | 101.6198% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 1.0031% | 5,082 |
| Noncurrent loans to loans | 1.2756% | 4,723 |
| Net loans and leases to total assets | 67.8809% | 3,249 |
| Net loans and leases to deposits | 105.7756% | 371 |
| Net loans and leases to core deposits | 110.1650% | 1,027 |
| Total domestic deposits to total assets | 64.1744% | 7,514 |
| Equity capital to assets | 14.4506% | 1,032 |
| Core capital (leverage) ratio | 13.6688% | 1,003 |
| Tier 1 risk-based capital ratio | 18.3072% | 1,932 |
| Total risk-based capital ratio | 19.3070% | 1,972 |
| Memoranda: | ||
| Average total assets | $344,630,500 | 1,923 |
| Average earning assets | $320,601,500 | 1,879 |
| Average equity | $48,514,750 | 1,387 |
| Average total loans | $229,246,750 | 1,929 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4850% | 2,594 |
| Cost of funding earning assets | 1.7475% | 1,880 |
| Net interest margin | 3.7375% | 4,198 |
| Noninterest income to average assets | 0.7197% | 2,578 |
| Noninterest expense to average assets | 3.2122% | 2,855 |
| Loan and lease loss provision to assets | 0.2664% | 4,261 |
| Net operating income to assets | 0.3750% | 4,872 |
| Return on assets (ROA) | 0.4040% | 4,900 |
| Pretax return on assets | 0.7575% | 4,037 |
| Return on Equity (ROE) | 2.8954% | 5,281 |
| Retained earnings to average equity (ytd only) | 2.8954% | 4,296 |
| Net charge-offs to loans | 0.1271% | 4,925 |
| Credit loss provision to net charge-offs | 318.7500% | 1,149 |
| Earnings coverage of net charge-offs (x) | 11.7083% | 1,741 |
| Efficiency ratio | 76.6482% | 2,961 |
| Assets per employee ($millions) | 3.9662% | 3,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2862% | 5,004 |
| Loan loss allowance to noncurrent loans | 103.7539% | 2,667 |
| Noncurrent assets plus other real estate owned to assets | 1.0030% | 5,140 |
| Noncurrent loans to loans | 1.2397% | 4,900 |
| Net loans and leases to total assets | 66.3897% | 3,751 |
| Net loans and leases to deposits | 104.8593% | 442 |
| Net loans and leases to core deposits | 109.1130% | 1,228 |
| Total domestic deposits to total assets | 63.3132% | 7,604 |
| Equity capital to assets | 14.2656% | 1,082 |
| Core capital (leverage) ratio | 13.4433% | 1,077 |
| Tier 1 risk-based capital ratio | 18.2045% | 1,895 |
| Total risk-based capital ratio | 19.1799% | 1,945 |
| Memoranda: | ||
| Average total assets | $344,564,330 | 1,939 |
| Average earning assets | $320,000,330 | 1,896 |
| Average equity | $48,076,330 | 1,393 |
| Average total loans | $226,613,330 | 1,971 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4735% | 2,712 |
| Cost of funding earning assets | 1.7986% | 1,878 |
| Net interest margin | 3.6749% | 4,374 |
| Noninterest income to average assets | 0.6680% | 2,827 |
| Noninterest expense to average assets | 3.1924% | 2,899 |
| Loan and lease loss provision to assets | 0.2637% | 3,919 |
| Net operating income to assets | 0.4002% | 4,837 |
| Return on assets (ROA) | 0.4054% | 4,962 |
| Pretax return on assets | 0.6262% | 4,503 |
| Return on Equity (ROE) | 2.9388% | 5,361 |
| Retained earnings to average equity (ytd only) | 2.9388% | 4,367 |
| Net charge-offs to loans | 0.2591% | 3,379 |
| Credit loss provision to net charge-offs | 156.5517% | 2,285 |
| Earnings coverage of net charge-offs (x) | 5.2345% | 2,435 |
| Efficiency ratio | 78.3576% | 2,841 |
| Assets per employee ($millions) | 4.2018% | 3,457 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1897% | 5,556 |
| Loan loss allowance to noncurrent loans | 166.2643% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.7070% | 5,755 |
| Noncurrent loans to loans | 0.7155% | 5,896 |
| Net loans and leases to total assets | 66.4131% | 3,771 |
| Net loans and leases to deposits | 105.2819% | 462 |
| Net loans and leases to core deposits | 108.1286% | 1,406 |
| Total domestic deposits to total assets | 63.0812% | 7,698 |
| Equity capital to assets | 13.8930% | 1,176 |
| Core capital (leverage) ratio | 13.2497% | 1,140 |
| Tier 1 risk-based capital ratio | 18.2307% | 1,890 |
| Total risk-based capital ratio | 19.1256% | 1,948 |
| Memoranda: | ||
| Average total assets | $344,316,000 | 1,992 |
| Average earning assets | $319,140,500 | 1,955 |
| Average equity | $47,502,000 | 1,414 |
| Average total loans | $223,885,000 | 2,044 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4020% | 4,689 |
| Cost of funding earning assets | 2.1006% | 2,458 |
| Net interest margin | 3.3014% | 5,741 |
| Noninterest income to average assets | 0.7183% | 2,858 |
| Noninterest expense to average assets | 3.1381% | 3,592 |
| Loan and lease loss provision to assets | 0.2511% | 5,389 |
| Net operating income to assets | 0.2753% | 4,626 |
| Return on assets (ROA) | 0.1051% | 5,245 |
| Pretax return on assets | 0.1439% | 5,123 |
| Return on Equity (ROE) | 0.7865% | 5,296 |
| Retained earnings to average equity (ytd only) | 0.7865% | 4,460 |
| Net charge-offs to loans | 0.1881% | 5,479 |
| Credit loss provision to net charge-offs | 234.9593% | 1,545 |
| Earnings coverage of net charge-offs (x) | 5.8780% | 2,478 |
| Efficiency ratio | 83.3205% | 2,438 |
| Assets per employee ($millions) | 4.0480% | 3,714 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2364% | 5,132 |
| Loan loss allowance to noncurrent loans | 143.6325% | 1,989 |
| Noncurrent assets plus other real estate owned to assets | 0.6283% | 5,896 |
| Noncurrent loans to loans | 0.8608% | 5,577 |
| Net loans and leases to total assets | 62.0537% | 4,980 |
| Net loans and leases to deposits | 98.7293% | 1,028 |
| Net loans and leases to core deposits | 117.2217% | 2,208 |
| Total domestic deposits to total assets | 62.8524% | 7,740 |
| Equity capital to assets | 13.6990% | 1,253 |
| Core capital (leverage) ratio | 13.0788% | 1,230 |
| Tier 1 risk-based capital ratio | 18.9578% | 1,663 |
| Total risk-based capital ratio | 19.8669% | 1,697 |
| Memoranda: | ||
| Average total assets | $345,277,800 | 1,977 |
| Average earning assets | $318,769,600 | 1,957 |
| Average equity | $46,153,600 | 1,460 |
| Average total loans | $196,139,400 | 2,329 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3643% | 5,117 |
| Cost of funding earning assets | 2.1428% | 2,696 |
| Net interest margin | 3.2215% | 5,942 |
| Noninterest income to average assets | 0.6856% | 3,117 |
| Noninterest expense to average assets | 3.1691% | 3,406 |
| Loan and lease loss provision to assets | 0.1956% | 5,431 |
| Net operating income to assets | 0.1933% | 5,183 |
| Return on assets (ROA) | 0.2651% | 5,025 |
| Pretax return on assets | 0.4051% | 4,790 |
| Return on Equity (ROE) | 1.9953% | 5,157 |
| Retained earnings to average equity (ytd only) | 1.9953% | 4,208 |
| Net charge-offs to loans | 0.2107% | 4,715 |
| Credit loss provision to net charge-offs | 167.8808% | 2,789 |
| Earnings coverage of net charge-offs (x) | 4.2086% | 3,220 |
| Efficiency ratio | 86.5999% | 2,006 |
| Assets per employee ($millions) | 4.2460% | 3,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1628% | 5,340 |
| Loan loss allowance to noncurrent loans | 152.6620% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.4537% | 6,321 |
| Noncurrent loans to loans | 0.7617% | 5,786 |
| Net loans and leases to total assets | 57.4045% | 5,977 |
| Net loans and leases to deposits | 97.1648% | 1,422 |
| Net loans and leases to core deposits | 116.4073% | 2,581 |
| Total domestic deposits to total assets | 59.0795% | 7,892 |
| Equity capital to assets | 13.3547% | 1,551 |
| Core capital (leverage) ratio | 12.0464% | 1,784 |
| Tier 1 risk-based capital ratio | 16.7453% | 2,348 |
| Total risk-based capital ratio | 17.5292% | 2,460 |
| Memoranda: | ||
| Average total assets | $345,576,250 | 1,986 |
| Average earning assets | $319,014,000 | 1,970 |
| Average equity | $45,908,000 | 1,493 |
| Average total loans | $191,126,750 | 2,419 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3800% | 5,244 |
| Cost of funding earning assets | 2.1963% | 2,811 |
| Net interest margin | 3.1836% | 5,971 |
| Noninterest income to average assets | 0.6449% | 3,380 |
| Noninterest expense to average assets | 3.2666% | 3,094 |
| Loan and lease loss provision to assets | 0.1905% | 5,136 |
| Net operating income to assets | 0.0767% | 5,632 |
| Return on assets (ROA) | 0.1876% | 5,388 |
| Pretax return on assets | 0.2820% | 5,245 |
| Return on Equity (ROE) | 1.4147% | 5,491 |
| Retained earnings to average equity (ytd only) | 1.4147% | 4,546 |
| Net charge-offs to loans | 0.0225% | 6,185 |
| Credit loss provision to net charge-offs | 1,557.1429% | 324 |
| Earnings coverage of net charge-offs (x) | 25.0952% | 1,132 |
| Efficiency ratio | 91.4085% | 1,686 |
| Assets per employee ($millions) | 4.2672% | 3,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 4,425 |
| Loan loss allowance to noncurrent loans | 306.6749% | 1,025 |
| Noncurrent assets plus other real estate owned to assets | 0.2484% | 6,861 |
| Noncurrent loans to loans | 0.4158% | 6,469 |
| Net loans and leases to total assets | 54.8957% | 6,349 |
| Net loans and leases to deposits | 92.1607% | 2,442 |
| Net loans and leases to core deposits | 110.9446% | 3,262 |
| Total domestic deposits to total assets | 59.5653% | 7,944 |
| Equity capital to assets | 13.0192% | 1,682 |
| Core capital (leverage) ratio | 11.8204% | 1,908 |
| Tier 1 risk-based capital ratio | 17.2824% | 2,216 |
| Total risk-based capital ratio | 18.3145% | 2,230 |
| Memoranda: | ||
| Average total assets | $343,296,670 | 2,015 |
| Average earning assets | $315,801,330 | 2,017 |
| Average equity | $45,522,670 | 1,513 |
| Average total loans | $186,608,330 | 2,496 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4740% | 5,050 |
| Cost of funding earning assets | 2.2489% | 2,921 |
| Net interest margin | 3.2251% | 5,777 |
| Noninterest income to average assets | 0.3941% | 5,261 |
| Noninterest expense to average assets | 3.2071% | 2,959 |
| Loan and lease loss provision to assets | 0.1977% | 4,466 |
| Net operating income to assets | -0.0304% | 6,302 |
| Return on assets (ROA) | 0.2059% | 5,807 |
| Pretax return on assets | 0.2871% | 5,708 |
| Return on Equity (ROE) | 1.5382% | 5,947 |
| Retained earnings to average equity (ytd only) | 1.5382% | 4,989 |
| Net charge-offs to loans | 0.0307% | 5,092 |
| Credit loss provision to net charge-offs | 1,200.0000% | 523 |
| Earnings coverage of net charge-offs (x) | 9.5000% | 2,056 |
| Efficiency ratio | 95.3480% | 1,357 |
| Assets per employee ($millions) | 4.1188% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2535% | 4,396 |
| Loan loss allowance to noncurrent loans | 301.6839% | 1,118 |
| Noncurrent assets plus other real estate owned to assets | 0.2434% | 6,783 |
| Noncurrent loans to loans | 0.4155% | 6,378 |
| Net loans and leases to total assets | 53.6701% | 6,508 |
| Net loans and leases to deposits | 92.0049% | 2,603 |
| Net loans and leases to core deposits | 112.8867% | 3,118 |
| Total domestic deposits to total assets | 58.3339% | 8,002 |
| Equity capital to assets | 13.4771% | 1,538 |
| Core capital (leverage) ratio | 12.0050% | 1,899 |
| Tier 1 risk-based capital ratio | 18.2259% | 1,995 |
| Total risk-based capital ratio | 19.2531% | 2,003 |
| Memoranda: | ||
| Average total assets | $339,991,500 | 2,042 |
| Average earning assets | $313,042,000 | 2,046 |
| Average equity | $45,506,500 | 1,513 |
| Average total loans | $182,630,000 | 2,557 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0401% | 5,357 |
| Cost of funding earning assets | 2.4105% | 4,674 |
| Net interest margin | 3.6296% | 4,755 |
| Noninterest income to average assets | 0.5029% | 4,601 |
| Noninterest expense to average assets | 3.1817% | 3,406 |
| Loan and lease loss provision to assets | 4.6448% | 128 |
| Net operating income to assets | -2.2552% | 7,653 |
| Return on assets (ROA) | -2.6206% | 7,710 |
| Pretax return on assets | -4.5152% | 7,966 |
| Return on Equity (ROE) | -16.0907% | 7,631 |
| Retained earnings to average equity (ytd only) | -16.0907% | 7,522 |
| Net charge-offs to loans | -0.1426% | 8,133 |
| Credit loss provision to net charge-offs | -6,541.7431% | 7,526 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9547% | 2,307 |
| Assets per employee ($millions) | 4.0738% | 3,359 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2120% | 4,442 |
| Loan loss allowance to noncurrent loans | 262.0482% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.2455% | 6,596 |
| Noncurrent loans to loans | 0.4625% | 5,959 |
| Net loans and leases to total assets | 52.4305% | 6,808 |
| Net loans and leases to deposits | 94.8863% | 2,637 |
| Net loans and leases to core deposits | 113.0541% | 3,442 |
| Total domestic deposits to total assets | 55.2561% | 8,068 |
| Equity capital to assets | 13.2911% | 1,673 |
| Core capital (leverage) ratio | 12.8646% | 1,588 |
| Tier 1 risk-based capital ratio | 21.4084% | 1,407 |
| Total risk-based capital ratio | 22.4883% | 1,391 |
| Memoranda: | ||
| Average total assets | $307,032,600 | 2,168 |
| Average earning assets | $285,872,200 | 2,130 |
| Average equity | $50,004,000 | 1,350 |
| Average total loans | $152,856,200 | 2,873 |