Home > First American International Bank > Performance and Condition Ratios
First American International Bank, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5219% | 2,223 |
| Cost of funding earning assets | 1.0120% | 564 |
| Net interest margin | 3.5099% | 3,661 |
| Noninterest income to average assets | 1.1946% | 660 |
| Noninterest expense to average assets | 3.0634% | 1,849 |
| Loan and lease loss provision to assets | 0.0000% | 3,948 |
| Net operating income to assets | 1.1663% | 2,381 |
| Return on assets (ROA) | 1.1660% | 2,388 |
| Pretax return on assets | 1.4869% | 1,943 |
| Return on Equity (ROE) | 11.9311% | 1,810 |
| Retained earnings to average equity (ytd only) | -12.1065% | 5,407 |
| Net charge-offs to loans | -0.0133% | 4,474 |
| Credit loss provision to net charge-offs | 0.0000% | 3,085 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3168% | 2,654 |
| Assets per employee ($millions) | 4.9912% | 2,475 |
| Cash dividends to net income (ytd only)* | 201.4701% | 41 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3387% | 1,920 |
| Loan loss allowance to noncurrent loans | 647.0628% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.1756% | 4,075 |
| Noncurrent loans to loans | 0.2069% | 3,972 |
| Net loans and leases to total assets | 83.7286% | 487 |
| Net loans and leases to deposits | 111.4557% | 248 |
| Net loans and leases to core deposits | 118.2028% | 637 |
| Total domestic deposits to total assets | 75.1227% | 4,871 |
| Equity capital to assets | 9.2033% | 4,361 |
| Core capital (leverage) ratio | 8.7983% | 4,886 |
| Tier 1 risk-based capital ratio | 14.2341% | 3,250 |
| Total risk-based capital ratio | 15.4951% | 3,166 |
| Memoranda: | ||
| Average total assets | $871,249,750 | 871 |
| Average earning assets | $833,087,000 | 845 |
| Average equity | $85,142,000 | 980 |
| Average total loans | $709,648,000 | 772 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4242% | 2,336 |
| Cost of funding earning assets | 0.9917% | 485 |
| Net interest margin | 3.4326% | 3,851 |
| Noninterest income to average assets | 1.3245% | 553 |
| Noninterest expense to average assets | 3.0190% | 1,992 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.2455% | 2,000 |
| Return on assets (ROA) | 1.2450% | 2,000 |
| Pretax return on assets | 1.5866% | 1,543 |
| Return on Equity (ROE) | 12.5072% | 1,540 |
| Retained earnings to average equity (ytd only) | 7.6011% | 1,794 |
| Net charge-offs to loans | -0.0187% | 4,538 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.5407% | 3,054 |
| Assets per employee ($millions) | 5.2027% | 2,189 |
| Cash dividends to net income (ytd only)* | 39.2264% | 2,166 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3430% | 1,976 |
| Loan loss allowance to noncurrent loans | 434.0281% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.2510% | 3,756 |
| Noncurrent loans to loans | 0.3094% | 3,597 |
| Net loans and leases to total assets | 80.0329% | 1,013 |
| Net loans and leases to deposits | 109.7130% | 291 |
| Net loans and leases to core deposits | 116.3317% | 700 |
| Total domestic deposits to total assets | 72.9475% | 5,122 |
| Equity capital to assets | 10.0862% | 3,550 |
| Core capital (leverage) ratio | 9.9379% | 3,651 |
| Tier 1 risk-based capital ratio | 16.2658% | 2,345 |
| Total risk-based capital ratio | 17.5241% | 2,278 |
| Memoranda: | ||
| Average total assets | $880,496,670 | 868 |
| Average earning assets | $841,818,330 | 837 |
| Average equity | $87,645,670 | 955 |
| Average total loans | $707,583,670 | 773 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4795% | 1,929 |
| Cost of funding earning assets | 0.9654% | 438 |
| Net interest margin | 3.5141% | 3,484 |
| Noninterest income to average assets | 1.7074% | 344 |
| Noninterest expense to average assets | 3.0030% | 2,051 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.6257% | 810 |
| Return on assets (ROA) | 1.6257% | 811 |
| Pretax return on assets | 2.0687% | 502 |
| Return on Equity (ROE) | 16.4404% | 560 |
| Retained earnings to average equity (ytd only) | 15.7517% | 263 |
| Net charge-offs to loans | -0.0028% | 3,863 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.2105% | 4,179 |
| Assets per employee ($millions) | 5.2310% | 2,221 |
| Cash dividends to net income (ytd only)* | 4.1888% | 2,696 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3697% | 1,957 |
| Loan loss allowance to noncurrent loans | 357.4164% | 1,442 |
| Noncurrent assets plus other real estate owned to assets | 0.2995% | 3,651 |
| Noncurrent loans to loans | 0.3832% | 3,407 |
| Net loans and leases to total assets | 77.0687% | 1,378 |
| Net loans and leases to deposits | 105.3912% | 410 |
| Net loans and leases to core deposits | 112.7099% | 855 |
| Total domestic deposits to total assets | 73.1263% | 5,213 |
| Equity capital to assets | 9.9847% | 3,610 |
| Core capital (leverage) ratio | 9.9521% | 3,585 |
| Tier 1 risk-based capital ratio | 15.8803% | 2,530 |
| Total risk-based capital ratio | 17.1381% | 2,460 |
| Memoranda: | ||
| Average total assets | $881,120,000 | 873 |
| Average earning assets | $843,568,000 | 842 |
| Average equity | $87,127,000 | 963 |
| Average total loans | $704,741,500 | 777 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2759% | 2,409 |
| Cost of funding earning assets | 0.9284% | 325 |
| Net interest margin | 3.3475% | 4,017 |
| Noninterest income to average assets | 1.4324% | 522 |
| Noninterest expense to average assets | 3.2545% | 1,482 |
| Loan and lease loss provision to assets | 0.0174% | 3,948 |
| Net operating income to assets | 0.8285% | 3,042 |
| Return on assets (ROA) | 0.8220% | 3,112 |
| Pretax return on assets | 1.3466% | 2,186 |
| Return on Equity (ROE) | 8.5526% | 2,515 |
| Retained earnings to average equity (ytd only) | 7.7132% | 855 |
| Net charge-offs to loans | -0.0171% | 4,913 |
| Credit loss provision to net charge-offs | -124.1667% | 4,738 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.3138% | 2,498 |
| Assets per employee ($millions) | 5.1050% | 2,356 |
| Cash dividends to net income (ytd only)* | 9.8151% | 3,947 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3312% | 2,068 |
| Loan loss allowance to noncurrent loans | 347.9517% | 1,487 |
| Noncurrent assets plus other real estate owned to assets | 0.3132% | 3,636 |
| Noncurrent loans to loans | 0.3826% | 3,382 |
| Net loans and leases to total assets | 80.7706% | 866 |
| Net loans and leases to deposits | 111.8261% | 221 |
| Net loans and leases to core deposits | 121.6381% | 532 |
| Total domestic deposits to total assets | 72.2288% | 5,308 |
| Equity capital to assets | 9.7899% | 3,933 |
| Core capital (leverage) ratio | 9.8804% | 3,603 |
| Tier 1 risk-based capital ratio | 15.2805% | 2,711 |
| Total risk-based capital ratio | 16.5361% | 2,646 |
| Memoranda: | ||
| Average total assets | $855,207,200 | 871 |
| Average earning assets | $816,553,600 | 843 |
| Average equity | $82,196,800 | 985 |
| Average total loans | $702,741,400 | 743 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2443% | 2,452 |
| Cost of funding earning assets | 0.9216% | 309 |
| Net interest margin | 3.3227% | 4,096 |
| Noninterest income to average assets | 1.3128% | 616 |
| Noninterest expense to average assets | 3.1933% | 1,572 |
| Loan and lease loss provision to assets | 0.0124% | 3,894 |
| Net operating income to assets | 0.8326% | 3,375 |
| Return on assets (ROA) | 0.8326% | 3,408 |
| Pretax return on assets | 1.2780% | 2,596 |
| Return on Equity (ROE) | 8.7046% | 2,760 |
| Retained earnings to average equity (ytd only) | 7.5856% | 1,396 |
| Net charge-offs to loans | -0.0217% | 4,880 |
| Credit loss provision to net charge-offs | -69.2982% | 4,476 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2199% | 2,336 |
| Assets per employee ($millions) | 5.0800% | 2,352 |
| Cash dividends to net income (ytd only)* | 12.8552% | 3,383 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3311% | 2,204 |
| Loan loss allowance to noncurrent loans | 271.7247% | 1,722 |
| Noncurrent assets plus other real estate owned to assets | 0.4022% | 3,424 |
| Noncurrent loans to loans | 0.4899% | 3,222 |
| Net loans and leases to total assets | 81.0000% | 843 |
| Net loans and leases to deposits | 112.4741% | 208 |
| Net loans and leases to core deposits | 121.5520% | 530 |
| Total domestic deposits to total assets | 72.0166% | 5,375 |
| Equity capital to assets | 9.6983% | 4,246 |
| Core capital (leverage) ratio | 9.6974% | 3,940 |
| Tier 1 risk-based capital ratio | 15.2434% | 2,817 |
| Total risk-based capital ratio | 16.4992% | 2,747 |
| Memoranda: | ||
| Average total assets | $850,768,500 | 881 |
| Average earning assets | $811,896,500 | 852 |
| Average equity | $81,380,500 | 1,000 |
| Average total loans | $699,774,250 | 746 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2398% | 2,325 |
| Cost of funding earning assets | 0.9146% | 277 |
| Net interest margin | 3.3252% | 4,035 |
| Noninterest income to average assets | 1.2175% | 696 |
| Noninterest expense to average assets | 3.0788% | 1,888 |
| Loan and lease loss provision to assets | 0.0187% | 3,595 |
| Net operating income to assets | 0.8487% | 3,160 |
| Return on assets (ROA) | 0.8487% | 3,211 |
| Pretax return on assets | 1.2922% | 2,417 |
| Return on Equity (ROE) | 8.9144% | 2,546 |
| Retained earnings to average equity (ytd only) | 8.0880% | 1,122 |
| Net charge-offs to loans | -0.0034% | 4,258 |
| Credit loss provision to net charge-offs | -658.3333% | 4,739 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1383% | 2,653 |
| Assets per employee ($millions) | 5.3268% | 2,027 |
| Cash dividends to net income (ytd only)* | 9.2706% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3453% | 2,202 |
| Loan loss allowance to noncurrent loans | 261.7779% | 1,779 |
| Noncurrent assets plus other real estate owned to assets | 0.4082% | 3,476 |
| Noncurrent loans to loans | 0.5139% | 3,215 |
| Net loans and leases to total assets | 78.3609% | 1,188 |
| Net loans and leases to deposits | 108.7649% | 290 |
| Net loans and leases to core deposits | 116.0205% | 711 |
| Total domestic deposits to total assets | 72.0461% | 5,451 |
| Equity capital to assets | 9.4281% | 4,486 |
| Core capital (leverage) ratio | 9.5231% | 4,112 |
| Tier 1 risk-based capital ratio | 15.2402% | 2,829 |
| Total risk-based capital ratio | 16.4964% | 2,757 |
| Memoranda: | ||
| Average total assets | $846,491,000 | 893 |
| Average earning assets | $807,541,000 | 861 |
| Average equity | $80,589,000 | 1,011 |
| Average total loans | $696,714,330 | 750 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3169% | 1,912 |
| Cost of funding earning assets | 0.8966% | 290 |
| Net interest margin | 3.4203% | 3,571 |
| Noninterest income to average assets | 0.8308% | 1,452 |
| Noninterest expense to average assets | 2.8727% | 2,540 |
| Loan and lease loss provision to assets | 0.0379% | 3,042 |
| Net operating income to assets | 0.7784% | 3,320 |
| Return on assets (ROA) | 0.7784% | 3,379 |
| Pretax return on assets | 1.1828% | 2,670 |
| Return on Equity (ROE) | 8.1353% | 2,843 |
| Retained earnings to average equity (ytd only) | 6.4641% | 2,103 |
| Net charge-offs to loans | -0.0034% | 4,087 |
| Credit loss provision to net charge-offs | -1,316.6667% | 4,479 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1783% | 2,856 |
| Assets per employee ($millions) | 5.0894% | 2,324 |
| Cash dividends to net income (ytd only)* | 20.5429% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3004% | 2,533 |
| Loan loss allowance to noncurrent loans | 299.1023% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.3670% | 3,731 |
| Noncurrent loans to loans | 0.4348% | 3,539 |
| Net loans and leases to total assets | 83.3072% | 435 |
| Net loans and leases to deposits | 116.7081% | 109 |
| Net loans and leases to core deposits | 124.4189% | 353 |
| Total domestic deposits to total assets | 71.3808% | 5,577 |
| Equity capital to assets | 9.4549% | 4,331 |
| Core capital (leverage) ratio | 9.5455% | 4,063 |
| Tier 1 risk-based capital ratio | 14.5084% | 3,196 |
| Total risk-based capital ratio | 15.7641% | 3,129 |
| Memoranda: | ||
| Average total assets | $832,942,500 | 907 |
| Average earning assets | $794,547,500 | 883 |
| Average equity | $79,702,000 | 1,018 |
| Average total loans | $698,128,500 | 748 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3419% | 2,006 |
| Cost of funding earning assets | 0.8103% | 476 |
| Net interest margin | 3.5316% | 3,309 |
| Noninterest income to average assets | 0.9849% | 1,186 |
| Noninterest expense to average assets | 3.2343% | 1,719 |
| Loan and lease loss provision to assets | 0.0499% | 3,397 |
| Net operating income to assets | 0.7002% | 3,781 |
| Return on assets (ROA) | 0.7293% | 3,759 |
| Pretax return on assets | 1.1082% | 3,067 |
| Return on Equity (ROE) | 7.0506% | 3,440 |
| Retained earnings to average equity (ytd only) | 6.7784% | 1,319 |
| Net charge-offs to loans | -0.0244% | 5,178 |
| Credit loss provision to net charge-offs | -249.6599% | 5,035 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3805% | 2,242 |
| Assets per employee ($millions) | 5.0998% | 2,287 |
| Cash dividends to net income (ytd only)* | 3.8619% | 4,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3617% | 2,260 |
| Loan loss allowance to noncurrent loans | 285.9264% | 1,691 |
| Noncurrent assets plus other real estate owned to assets | 0.3962% | 3,684 |
| Noncurrent loans to loans | 0.4762% | 3,444 |
| Net loans and leases to total assets | 82.0672% | 598 |
| Net loans and leases to deposits | 116.8003% | 124 |
| Net loans and leases to core deposits | 124.4910% | 372 |
| Total domestic deposits to total assets | 70.2628% | 5,652 |
| Equity capital to assets | 9.6873% | 4,087 |
| Core capital (leverage) ratio | 9.8814% | 3,652 |
| Tier 1 risk-based capital ratio | 14.7432% | 3,076 |
| Total risk-based capital ratio | 15.9997% | 3,017 |
| Memoranda: | ||
| Average total assets | $734,990,800 | 978 |
| Average earning assets | $699,993,600 | 952 |
| Average equity | $76,021,400 | 1,045 |
| Average total loans | $601,425,200 | 832 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3408% | 2,034 |
| Cost of funding earning assets | 0.7913% | 529 |
| Net interest margin | 3.5495% | 3,273 |
| Noninterest income to average assets | 0.7529% | 1,953 |
| Noninterest expense to average assets | 3.2162% | 1,738 |
| Loan and lease loss provision to assets | 0.0685% | 2,853 |
| Net operating income to assets | 0.5593% | 4,461 |
| Return on assets (ROA) | 0.5981% | 4,415 |
| Pretax return on assets | 0.9083% | 3,953 |
| Return on Equity (ROE) | 5.6793% | 4,229 |
| Retained earnings to average equity (ytd only) | 5.3250% | 2,605 |
| Net charge-offs to loans | -0.0325% | 5,193 |
| Credit loss provision to net charge-offs | -258.4507% | 4,926 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7953% | 1,713 |
| Assets per employee ($millions) | 5.1487% | 2,192 |
| Cash dividends to net income (ytd only)* | 6.2383% | 3,645 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4115% | 2,149 |
| Loan loss allowance to noncurrent loans | 275.7910% | 1,740 |
| Noncurrent assets plus other real estate owned to assets | 0.4225% | 3,738 |
| Noncurrent loans to loans | 0.5118% | 3,461 |
| Net loans and leases to total assets | 81.3878% | 703 |
| Net loans and leases to deposits | 116.5627% | 150 |
| Net loans and leases to core deposits | 125.5491% | 381 |
| Total domestic deposits to total assets | 69.8232% | 5,709 |
| Equity capital to assets | 9.7238% | 4,448 |
| Core capital (leverage) ratio | 10.0830% | 3,459 |
| Tier 1 risk-based capital ratio | 14.3646% | 3,353 |
| Total risk-based capital ratio | 15.6211% | 3,282 |
| Memoranda: | ||
| Average total assets | $714,748,000 | 1,008 |
| Average earning assets | $680,870,750 | 979 |
| Average equity | $75,265,500 | 1,058 |
| Average total loans | $582,061,250 | 854 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3564% | 1,960 |
| Cost of funding earning assets | 0.7862% | 529 |
| Net interest margin | 3.5701% | 3,207 |
| Noninterest income to average assets | 0.6691% | 2,282 |
| Noninterest expense to average assets | 3.3945% | 1,385 |
| Loan and lease loss provision to assets | 0.1066% | 2,080 |
| Net operating income to assets | 0.3721% | 5,119 |
| Return on assets (ROA) | 0.3758% | 5,190 |
| Pretax return on assets | 0.5718% | 4,968 |
| Return on Equity (ROE) | 3.4667% | 5,105 |
| Retained earnings to average equity (ytd only) | 2.9309% | 4,049 |
| Net charge-offs to loans | -0.0491% | 5,358 |
| Credit loss provision to net charge-offs | -267.8832% | 4,792 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4571% | 1,094 |
| Assets per employee ($millions) | 4.6750% | 2,759 |
| Cash dividends to net income (ytd only)* | 15.4560% | 3,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 1,787 |
| Loan loss allowance to noncurrent loans | 261.8089% | 1,833 |
| Noncurrent assets plus other real estate owned to assets | 0.4836% | 3,597 |
| Noncurrent loans to loans | 0.5805% | 3,324 |
| Net loans and leases to total assets | 82.0403% | 625 |
| Net loans and leases to deposits | 116.2251% | 143 |
| Net loans and leases to core deposits | 123.8765% | 412 |
| Total domestic deposits to total assets | 70.5875% | 5,753 |
| Equity capital to assets | 10.3459% | 3,804 |
| Core capital (leverage) ratio | 10.4588% | 3,017 |
| Tier 1 risk-based capital ratio | 14.5694% | 3,283 |
| Total risk-based capital ratio | 15.8271% | 3,205 |
| Memoranda: | ||
| Average total assets | $688,696,330 | 1,041 |
| Average earning assets | $655,547,330 | 1,014 |
| Average equity | $74,654,000 | 1,067 |
| Average total loans | $557,893,330 | 887 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3975% | 1,805 |
| Cost of funding earning assets | 0.7821% | 535 |
| Net interest margin | 3.6154% | 3,024 |
| Noninterest income to average assets | 0.7995% | 1,616 |
| Noninterest expense to average assets | 3.3806% | 1,424 |
| Loan and lease loss provision to assets | 0.2196% | 876 |
| Net operating income to assets | 0.4253% | 4,920 |
| Return on assets (ROA) | 0.4273% | 4,990 |
| Pretax return on assets | 0.6356% | 4,714 |
| Return on Equity (ROE) | 3.8462% | 4,937 |
| Retained earnings to average equity (ytd only) | 2.7689% | 4,136 |
| Net charge-offs to loans | -0.0945% | 5,608 |
| Credit loss provision to net charge-offs | -291.2698% | 4,407 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8671% | 1,624 |
| Assets per employee ($millions) | 3.5618% | 4,721 |
| Cash dividends to net income (ytd only)* | 28.0112% | 2,407 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6888% | 1,391 |
| Loan loss allowance to noncurrent loans | 291.3140% | 1,650 |
| Noncurrent assets plus other real estate owned to assets | 0.4558% | 3,766 |
| Noncurrent loans to loans | 0.5797% | 3,451 |
| Net loans and leases to total assets | 77.3008% | 1,206 |
| Net loans and leases to deposits | 106.8763% | 310 |
| Net loans and leases to core deposits | 114.1945% | 662 |
| Total domestic deposits to total assets | 72.3274% | 5,748 |
| Equity capital to assets | 10.7573% | 3,200 |
| Core capital (leverage) ratio | 10.8959% | 2,510 |
| Tier 1 risk-based capital ratio | 15.9527% | 2,704 |
| Total risk-based capital ratio | 17.2155% | 2,643 |
| Memoranda: | ||
| Average total assets | $668,394,000 | 1,058 |
| Average earning assets | $634,729,000 | 1,033 |
| Average equity | $74,254,500 | 1,069 |
| Average total loans | $533,062,500 | 916 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5640% | 1,425 |
| Cost of funding earning assets | 0.6911% | 863 |
| Net interest margin | 3.8729% | 2,121 |
| Noninterest income to average assets | 1.2502% | 767 |
| Noninterest expense to average assets | 4.3333% | 467 |
| Loan and lease loss provision to assets | 0.1051% | 2,228 |
| Net operating income to assets | 0.2109% | 5,550 |
| Return on assets (ROA) | 0.2029% | 5,631 |
| Pretax return on assets | 0.4036% | 5,312 |
| Return on Equity (ROE) | 1.6408% | 5,657 |
| Retained earnings to average equity (ytd only) | 1.4621% | 4,891 |
| Net charge-offs to loans | -0.0270% | 5,363 |
| Credit loss provision to net charge-offs | -523.3333% | 5,451 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.2617% | 740 |
| Assets per employee ($millions) | 3.2124% | 5,279 |
| Cash dividends to net income (ytd only)* | 10.8911% | 4,061 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6788% | 1,396 |
| Loan loss allowance to noncurrent loans | 238.8509% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.5689% | 3,383 |
| Noncurrent loans to loans | 0.7029% | 3,087 |
| Net loans and leases to total assets | 79.5802% | 907 |
| Net loans and leases to deposits | 114.6076% | 159 |
| Net loans and leases to core deposits | 121.1290% | 449 |
| Total domestic deposits to total assets | 69.4371% | 5,919 |
| Equity capital to assets | 11.5145% | 2,344 |
| Core capital (leverage) ratio | 12.1031% | 1,559 |
| Tier 1 risk-based capital ratio | 16.8037% | 2,360 |
| Total risk-based capital ratio | 18.0659% | 2,306 |
| Memoranda: | ||
| Average total assets | $597,348,000 | 1,139 |
| Average earning assets | $555,942,000 | 1,137 |
| Average equity | $73,864,800 | 1,034 |
| Average total loans | $444,254,600 | 1,037 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5964% | 1,336 |
| Cost of funding earning assets | 0.6952% | 858 |
| Net interest margin | 3.9013% | 2,028 |
| Noninterest income to average assets | 1.4963% | 552 |
| Noninterest expense to average assets | 4.4544% | 423 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.3426% | 5,336 |
| Return on assets (ROA) | 0.3488% | 5,402 |
| Pretax return on assets | 0.6670% | 4,785 |
| Return on Equity (ROE) | 2.7682% | 5,466 |
| Retained earnings to average equity (ytd only) | 2.7682% | 4,455 |
| Net charge-offs to loans | -0.1235% | 5,861 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.1384% | 924 |
| Assets per employee ($millions) | 2.9844% | 5,564 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8841% | 1,106 |
| Loan loss allowance to noncurrent loans | 170.7790% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.8175% | 2,835 |
| Noncurrent loans to loans | 1.1032% | 2,287 |
| Net loans and leases to total assets | 72.7069% | 1,955 |
| Net loans and leases to deposits | 96.3098% | 972 |
| Net loans and leases to core deposits | 102.1539% | 1,372 |
| Total domestic deposits to total assets | 75.4927% | 5,570 |
| Equity capital to assets | 12.4613% | 1,765 |
| Core capital (leverage) ratio | 12.4977% | 1,419 |
| Tier 1 risk-based capital ratio | 18.9564% | 1,784 |
| Total risk-based capital ratio | 20.2209% | 1,748 |
| Memoranda: | ||
| Average total assets | $586,066,250 | 1,169 |
| Average earning assets | $543,159,750 | 1,164 |
| Average equity | $73,836,500 | 1,040 |
| Average total loans | $425,315,000 | 1,078 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5972% | 1,291 |
| Cost of funding earning assets | 0.7058% | 816 |
| Net interest margin | 3.8914% | 2,008 |
| Noninterest income to average assets | 1.3204% | 703 |
| Noninterest expense to average assets | 4.4009% | 456 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.1923% | 5,711 |
| Return on assets (ROA) | 0.2016% | 5,751 |
| Pretax return on assets | 0.5108% | 5,194 |
| Return on Equity (ROE) | 1.5939% | 5,782 |
| Retained earnings to average equity (ytd only) | 1.5939% | 4,905 |
| Net charge-offs to loans | -0.1496% | 5,932 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.8651% | 764 |
| Assets per employee ($millions) | 2.9726% | 5,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9119% | 1,140 |
| Loan loss allowance to noncurrent loans | 272.5600% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.7614% | 3,101 |
| Noncurrent loans to loans | 0.7014% | 3,385 |
| Net loans and leases to total assets | 71.9349% | 1,990 |
| Net loans and leases to deposits | 95.5084% | 1,004 |
| Net loans and leases to core deposits | 100.7005% | 1,429 |
| Total domestic deposits to total assets | 75.3179% | 5,668 |
| Equity capital to assets | 12.4608% | 1,681 |
| Core capital (leverage) ratio | 12.6010% | 1,333 |
| Tier 1 risk-based capital ratio | 18.8735% | 1,818 |
| Total risk-based capital ratio | 20.1381% | 1,784 |
| Memoranda: | ||
| Average total assets | $581,470,330 | 1,180 |
| Average earning assets | $534,454,670 | 1,189 |
| Average equity | $73,532,000 | 1,048 |
| Average total loans | $418,429,330 | 1,094 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6432% | 1,139 |
| Cost of funding earning assets | 0.7161% | 791 |
| Net interest margin | 3.9271% | 1,797 |
| Noninterest income to average assets | 1.1713% | 835 |
| Noninterest expense to average assets | 4.4099% | 456 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2220% | 5,626 |
| Return on assets (ROA) | 0.2255% | 5,709 |
| Pretax return on assets | 0.3747% | 5,485 |
| Return on Equity (ROE) | 1.7701% | 5,737 |
| Retained earnings to average equity (ytd only) | 1.7701% | 4,763 |
| Net charge-offs to loans | -0.3009% | 6,143 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2753% | 692 |
| Assets per employee ($millions) | 2.7598% | 5,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9894% | 1,103 |
| Loan loss allowance to noncurrent loans | 144.5258% | 2,872 |
| Noncurrent assets plus other real estate owned to assets | 0.9944% | 2,639 |
| Noncurrent loans to loans | 1.3765% | 2,087 |
| Net loans and leases to total assets | 70.8083% | 2,018 |
| Net loans and leases to deposits | 94.3600% | 944 |
| Net loans and leases to core deposits | 98.4337% | 1,439 |
| Total domestic deposits to total assets | 75.0406% | 5,827 |
| Equity capital to assets | 12.7749% | 1,526 |
| Core capital (leverage) ratio | 12.5979% | 1,318 |
| Tier 1 risk-based capital ratio | 19.6254% | 1,705 |
| Total risk-based capital ratio | 20.8890% | 1,662 |
| Memoranda: | ||
| Average total assets | $576,434,000 | 1,194 |
| Average earning assets | $529,553,500 | 1,207 |
| Average equity | $73,442,500 | 1,052 |
| Average total loans | $410,734,000 | 1,115 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9055% | 916 |
| Cost of funding earning assets | 0.7243% | 978 |
| Net interest margin | 4.1812% | 1,355 |
| Noninterest income to average assets | 1.2152% | 809 |
| Noninterest expense to average assets | 4.4738% | 472 |
| Loan and lease loss provision to assets | 0.0279% | 4,046 |
| Net operating income to assets | 0.2675% | 5,603 |
| Return on assets (ROA) | 0.2926% | 5,604 |
| Pretax return on assets | 0.5768% | 5,008 |
| Return on Equity (ROE) | 2.2629% | 5,701 |
| Retained earnings to average equity (ytd only) | 1.5843% | 5,035 |
| Net charge-offs to loans | -0.1578% | 6,221 |
| Credit loss provision to net charge-offs | -26.2542% | 5,368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7763% | 929 |
| Assets per employee ($millions) | 2.7032% | 6,022 |
| Cash dividends to net income (ytd only)* | 29.9878% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9739% | 1,154 |
| Loan loss allowance to noncurrent loans | 136.1713% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 1.0179% | 2,712 |
| Noncurrent loans to loans | 1.4496% | 2,027 |
| Net loans and leases to total assets | 68.8333% | 2,430 |
| Net loans and leases to deposits | 90.7968% | 1,434 |
| Net loans and leases to core deposits | 94.8624% | 1,830 |
| Total domestic deposits to total assets | 75.8103% | 5,758 |
| Equity capital to assets | 12.6654% | 1,561 |
| Core capital (leverage) ratio | 12.4652% | 1,373 |
| Tier 1 risk-based capital ratio | 19.8308% | 1,631 |
| Total risk-based capital ratio | 21.0940% | 1,600 |
| Memoranda: | ||
| Average total assets | $561,877,000 | 1,179 |
| Average earning assets | $513,893,200 | 1,192 |
| Average equity | $72,651,000 | 1,006 |
| Average total loans | $378,972,600 | 1,166 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0086% | 759 |
| Cost of funding earning assets | 0.7167% | 1,066 |
| Net interest margin | 4.2919% | 1,072 |
| Noninterest income to average assets | 1.0227% | 1,179 |
| Noninterest expense to average assets | 4.3156% | 548 |
| Loan and lease loss provision to assets | 0.0375% | 3,650 |
| Net operating income to assets | 0.3882% | 5,291 |
| Return on assets (ROA) | 0.4224% | 5,245 |
| Pretax return on assets | 0.6471% | 4,886 |
| Return on Equity (ROE) | 3.2496% | 5,448 |
| Retained earnings to average equity (ytd only) | 2.7903% | 4,615 |
| Net charge-offs to loans | -0.1778% | 6,287 |
| Credit loss provision to net charge-offs | -31.5895% | 5,311 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.2255% | 1,076 |
| Assets per employee ($millions) | 2.7876% | 5,983 |
| Cash dividends to net income (ytd only)* | 14.1325% | 3,423 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0766% | 1,122 |
| Loan loss allowance to noncurrent loans | 103.1144% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 1.3373% | 2,309 |
| Noncurrent loans to loans | 2.0139% | 1,572 |
| Net loans and leases to total assets | 65.0229% | 3,023 |
| Net loans and leases to deposits | 86.1852% | 1,888 |
| Net loans and leases to core deposits | 89.7817% | 2,245 |
| Total domestic deposits to total assets | 75.4455% | 5,875 |
| Equity capital to assets | 12.8194% | 1,512 |
| Core capital (leverage) ratio | 12.9839% | 1,184 |
| Tier 1 risk-based capital ratio | 21.1848% | 1,418 |
| Total risk-based capital ratio | 22.4494% | 1,388 |
| Memoranda: | ||
| Average total assets | $558,398,500 | 1,200 |
| Average earning assets | $510,659,000 | 1,208 |
| Average equity | $72,582,250 | 1,005 |
| Average total loans | $372,636,500 | 1,193 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1120% | 606 |
| Cost of funding earning assets | 0.7178% | 1,102 |
| Net interest margin | 4.3942% | 858 |
| Noninterest income to average assets | 1.0129% | 1,166 |
| Noninterest expense to average assets | 4.3592% | 523 |
| Loan and lease loss provision to assets | 0.0567% | 3,161 |
| Net operating income to assets | 0.4006% | 5,220 |
| Return on assets (ROA) | 0.4386% | 5,141 |
| Pretax return on assets | 0.6729% | 4,728 |
| Return on Equity (ROE) | 3.3584% | 5,396 |
| Retained earnings to average equity (ytd only) | 2.8055% | 4,416 |
| Net charge-offs to loans | -0.2349% | 6,380 |
| Credit loss provision to net charge-offs | -36.0920% | 5,138 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6595% | 1,203 |
| Assets per employee ($millions) | 2.6825% | 6,146 |
| Cash dividends to net income (ytd only)* | 16.4609% | 3,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1096% | 1,163 |
| Loan loss allowance to noncurrent loans | 104.3374% | 3,548 |
| Noncurrent assets plus other real estate owned to assets | 1.3494% | 2,427 |
| Noncurrent loans to loans | 2.0219% | 1,674 |
| Net loans and leases to total assets | 65.3332% | 2,858 |
| Net loans and leases to deposits | 87.5314% | 1,653 |
| Net loans and leases to core deposits | 91.3190% | 1,994 |
| Total domestic deposits to total assets | 74.6397% | 6,052 |
| Equity capital to assets | 13.1358% | 1,303 |
| Core capital (leverage) ratio | 12.9090% | 1,192 |
| Tier 1 risk-based capital ratio | 21.1802% | 1,416 |
| Total risk-based capital ratio | 22.4448% | 1,385 |
| Memoranda: | ||
| Average total assets | $554,042,000 | 1,206 |
| Average earning assets | $506,536,330 | 1,217 |
| Average equity | $72,356,670 | 1,003 |
| Average total loans | $370,360,330 | 1,192 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1131% | 581 |
| Cost of funding earning assets | 0.7119% | 1,176 |
| Net interest margin | 4.4012% | 807 |
| Noninterest income to average assets | 1.0683% | 977 |
| Noninterest expense to average assets | 4.2123% | 599 |
| Loan and lease loss provision to assets | 0.1135% | 2,062 |
| Net operating income to assets | 0.5032% | 4,672 |
| Return on assets (ROA) | 0.5074% | 4,737 |
| Pretax return on assets | 0.7929% | 4,139 |
| Return on Equity (ROE) | 3.8965% | 5,087 |
| Retained earnings to average equity (ytd only) | 3.1749% | 4,223 |
| Net charge-offs to loans | -0.3230% | 6,493 |
| Credit loss provision to net charge-offs | -52.5084% | 4,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3979% | 1,876 |
| Assets per employee ($millions) | 2.7324% | 6,170 |
| Cash dividends to net income (ytd only)* | 18.5185% | 2,555 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0287% | 1,461 |
| Loan loss allowance to noncurrent loans | 70.2001% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 1.9729% | 1,741 |
| Noncurrent loans to loans | 2.8899% | 1,126 |
| Net loans and leases to total assets | 66.8819% | 2,414 |
| Net loans and leases to deposits | 90.0909% | 1,134 |
| Net loans and leases to core deposits | 94.5574% | 1,504 |
| Total domestic deposits to total assets | 74.2383% | 6,224 |
| Equity capital to assets | 13.0601% | 1,286 |
| Core capital (leverage) ratio | 12.9130% | 1,197 |
| Tier 1 risk-based capital ratio | 20.8359% | 1,505 |
| Total risk-based capital ratio | 22.0998% | 1,476 |
| Memoranda: | ||
| Average total assets | $553,424,000 | 1,211 |
| Average earning assets | $508,497,000 | 1,215 |
| Average equity | $72,065,000 | 1,009 |
| Average total loans | $370,241,000 | 1,193 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4427% | 402 |
| Cost of funding earning assets | 0.6526% | 2,185 |
| Net interest margin | 4.7901% | 441 |
| Noninterest income to average assets | 1.4998% | 628 |
| Noninterest expense to average assets | 4.8359% | 395 |
| Loan and lease loss provision to assets | 0.0911% | 3,285 |
| Net operating income to assets | 0.5502% | 4,504 |
| Return on assets (ROA) | 0.5491% | 4,637 |
| Pretax return on assets | 0.9742% | 3,454 |
| Return on Equity (ROE) | 4.1491% | 5,036 |
| Retained earnings to average equity (ytd only) | 3.9572% | 3,387 |
| Net charge-offs to loans | 1.0745% | 528 |
| Credit loss provision to net charge-offs | 12.5773% | 4,558 |
| Earnings coverage of net charge-offs (x) | 1.4729% | 4,562 |
| Efficiency ratio | 81.9243% | 1,887 |
| Assets per employee ($millions) | 2.9062% | 5,980 |
| Cash dividends to net income (ytd only)* | 4.6243% | 4,177 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9971% | 1,559 |
| Loan loss allowance to noncurrent loans | 69.4541% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 1.8842% | 1,931 |
| Noncurrent loans to loans | 2.8754% | 1,223 |
| Net loans and leases to total assets | 64.2184% | 3,007 |
| Net loans and leases to deposits | 86.1132% | 1,672 |
| Net loans and leases to core deposits | 90.4446% | 1,972 |
| Total domestic deposits to total assets | 74.5744% | 6,240 |
| Equity capital to assets | 12.9831% | 1,279 |
| Core capital (leverage) ratio | 13.0516% | 1,120 |
| Tier 1 risk-based capital ratio | 21.2985% | 1,367 |
| Total risk-based capital ratio | 22.5611% | 1,345 |
| Memoranda: | ||
| Average total assets | $535,615,600 | 1,241 |
| Average earning assets | $492,351,400 | 1,241 |
| Average equity | $70,883,600 | 1,003 |
| Average total loans | $361,090,000 | 1,185 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3776% | 461 |
| Cost of funding earning assets | 0.6412% | 2,443 |
| Net interest margin | 4.7364% | 492 |
| Noninterest income to average assets | 1.3196% | 848 |
| Noninterest expense to average assets | 4.2474% | 659 |
| Loan and lease loss provision to assets | 0.1224% | 2,762 |
| Net operating income to assets | 0.7176% | 3,765 |
| Return on assets (ROA) | 0.7137% | 3,921 |
| Pretax return on assets | 1.3002% | 2,331 |
| Return on Equity (ROE) | 5.3666% | 4,528 |
| Retained earnings to average equity (ytd only) | 5.3666% | 2,823 |
| Net charge-offs to loans | 1.0876% | 521 |
| Credit loss provision to net charge-offs | 16.5761% | 4,123 |
| Earnings coverage of net charge-offs (x) | 1.9344% | 4,178 |
| Efficiency ratio | 74.8298% | 2,938 |
| Assets per employee ($millions) | 2.9069% | 6,002 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2632% | 1,232 |
| Loan loss allowance to noncurrent loans | 38.7284% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 3.8979% | 812 |
| Noncurrent loans to loans | 5.8437% | 446 |
| Net loans and leases to total assets | 65.1931% | 2,766 |
| Net loans and leases to deposits | 84.4259% | 1,826 |
| Net loans and leases to core deposits | 88.7471% | 2,108 |
| Total domestic deposits to total assets | 77.2193% | 6,018 |
| Equity capital to assets | 13.2748% | 1,209 |
| Core capital (leverage) ratio | 13.3005% | 1,101 |
| Tier 1 risk-based capital ratio | 20.1468% | 1,702 |
| Total risk-based capital ratio | 21.4101% | 1,671 |
| Memoranda: | ||
| Average total assets | $531,476,500 | 1,262 |
| Average earning assets | $488,853,500 | 1,259 |
| Average equity | $70,682,250 | 1,016 |
| Average total loans | $360,907,000 | 1,188 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5073% | 368 |
| Cost of funding earning assets | 0.6504% | 2,490 |
| Net interest margin | 4.8569% | 398 |
| Noninterest income to average assets | 1.1964% | 1,063 |
| Noninterest expense to average assets | 4.0764% | 795 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8741% | 2,936 |
| Return on assets (ROA) | 0.8717% | 3,099 |
| Pretax return on assets | 1.5878% | 1,401 |
| Return on Equity (ROE) | 6.5502% | 3,852 |
| Retained earnings to average equity (ytd only) | 6.5502% | 2,120 |
| Net charge-offs to loans | 1.1490% | 512 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 2.0275% | 3,842 |
| Efficiency ratio | 71.9199% | 3,487 |
| Assets per employee ($millions) | 2.7845% | 6,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4333% | 1,055 |
| Loan loss allowance to noncurrent loans | 38.8240% | 5,678 |
| Noncurrent assets plus other real estate owned to assets | 4.2831% | 781 |
| Noncurrent loans to loans | 6.2676% | 422 |
| Net loans and leases to total assets | 66.1454% | 2,561 |
| Net loans and leases to deposits | 80.7162% | 2,220 |
| Net loans and leases to core deposits | 85.3668% | 2,397 |
| Total domestic deposits to total assets | 81.9481% | 5,076 |
| Equity capital to assets | 13.7358% | 1,037 |
| Core capital (leverage) ratio | 13.3866% | 1,021 |
| Tier 1 risk-based capital ratio | 19.5590% | 1,838 |
| Total risk-based capital ratio | 20.8228% | 1,811 |
| Memoranda: | ||
| Average total assets | $528,409,670 | 1,267 |
| Average earning assets | $486,479,670 | 1,264 |
| Average equity | $70,318,330 | 1,027 |
| Average total loans | $360,994,000 | 1,179 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4968% | 370 |
| Cost of funding earning assets | 0.6583% | 2,578 |
| Net interest margin | 4.8385% | 377 |
| Noninterest income to average assets | 1.2165% | 1,026 |
| Noninterest expense to average assets | 4.1023% | 793 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8607% | 2,862 |
| Return on assets (ROA) | 0.8545% | 3,018 |
| Pretax return on assets | 1.5561% | 1,407 |
| Return on Equity (ROE) | 6.5230% | 3,754 |
| Retained earnings to average equity (ytd only) | 6.5230% | 2,400 |
| Net charge-offs to loans | 0.2940% | 1,791 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 7.7658% | 2,024 |
| Efficiency ratio | 72.3750% | 3,548 |
| Assets per employee ($millions) | 2.9233% | 6,116 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8670% | 761 |
| Loan loss allowance to noncurrent loans | 41.2048% | 5,553 |
| Noncurrent assets plus other real estate owned to assets | 4.6768% | 798 |
| Noncurrent loans to loans | 6.9580% | 424 |
| Net loans and leases to total assets | 64.8324% | 2,566 |
| Net loans and leases to deposits | 79.6516% | 2,127 |
| Net loans and leases to core deposits | 84.1524% | 2,303 |
| Total domestic deposits to total assets | 81.3950% | 5,393 |
| Equity capital to assets | 13.0364% | 1,416 |
| Core capital (leverage) ratio | 13.2040% | 1,043 |
| Tier 1 risk-based capital ratio | 18.5271% | 2,178 |
| Total risk-based capital ratio | 19.7983% | 2,144 |
| Memoranda: | ||
| Average total assets | $533,653,000 | 1,271 |
| Average earning assets | $490,976,500 | 1,262 |
| Average equity | $69,907,000 | 1,039 |
| Average total loans | $365,928,000 | 1,168 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2256% | 188 |
| Cost of funding earning assets | 0.8638% | 2,190 |
| Net interest margin | 5.3618% | 210 |
| Noninterest income to average assets | 1.6730% | 576 |
| Noninterest expense to average assets | 4.2497% | 719 |
| Loan and lease loss provision to assets | -0.8503% | 7,066 |
| Net operating income to assets | 1.7398% | 567 |
| Return on assets (ROA) | 1.7130% | 674 |
| Pretax return on assets | 3.1207% | 128 |
| Return on Equity (ROE) | 14.2917% | 937 |
| Retained earnings to average equity (ytd only) | 14.2917% | 191 |
| Net charge-offs to loans | 0.1422% | 4,272 |
| Credit loss provision to net charge-offs | -813.8989% | 6,566 |
| Earnings coverage of net charge-offs (x) | 22.1336% | 1,275 |
| Efficiency ratio | 64.7623% | 4,747 |
| Assets per employee ($millions) | 2.8929% | 6,166 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8628% | 771 |
| Loan loss allowance to noncurrent loans | 38.6418% | 5,688 |
| Noncurrent assets plus other real estate owned to assets | 5.2524% | 725 |
| Noncurrent loans to loans | 7.4086% | 414 |
| Net loans and leases to total assets | 68.4276% | 2,115 |
| Net loans and leases to deposits | 81.3838% | 2,093 |
| Net loans and leases to core deposits | 86.5977% | 2,242 |
| Total domestic deposits to total assets | 84.0801% | 4,278 |
| Equity capital to assets | 13.1648% | 1,369 |
| Core capital (leverage) ratio | 12.8897% | 1,154 |
| Tier 1 risk-based capital ratio | 17.5242% | 2,448 |
| Total risk-based capital ratio | 18.7932% | 2,410 |
| Memoranda: | ||
| Average total assets | $530,293,600 | 1,258 |
| Average earning assets | $483,534,600 | 1,261 |
| Average equity | $63,561,200 | 1,113 |
| Average total loans | $389,664,800 | 1,074 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3292% | 173 |
| Cost of funding earning assets | 0.9074% | 2,126 |
| Net interest margin | 5.4218% | 197 |
| Noninterest income to average assets | 1.6858% | 544 |
| Noninterest expense to average assets | 4.1048% | 820 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 1.3900% | 1,252 |
| Return on assets (ROA) | 1.3510% | 1,468 |
| Pretax return on assets | 2.4613% | 314 |
| Return on Equity (ROE) | 11.5531% | 1,776 |
| Retained earnings to average equity (ytd only) | 11.5531% | 599 |
| Net charge-offs to loans | 0.2029% | 3,517 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 16.7500% | 1,666 |
| Efficiency ratio | 61.9390% | 5,156 |
| Assets per employee ($millions) | 2.8770% | 6,250 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0036% | 309 |
| Loan loss allowance to noncurrent loans | 54.7524% | 4,903 |
| Noncurrent assets plus other real estate owned to assets | 5.2651% | 826 |
| Noncurrent loans to loans | 7.3122% | 482 |
| Net loans and leases to total assets | 68.6822% | 2,176 |
| Net loans and leases to deposits | 81.3124% | 2,210 |
| Net loans and leases to core deposits | 86.3171% | 2,423 |
| Total domestic deposits to total assets | 84.4670% | 3,992 |
| Equity capital to assets | 12.4471% | 1,932 |
| Core capital (leverage) ratio | 12.1125% | 1,586 |
| Tier 1 risk-based capital ratio | 16.3384% | 3,093 |
| Total risk-based capital ratio | 17.6210% | 3,042 |
| Memoranda: | ||
| Average total assets | $531,241,000 | 1,267 |
| Average earning assets | $484,157,500 | 1,273 |
| Average equity | $62,123,250 | 1,157 |
| Average total loans | $394,358,000 | 1,067 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2974% | 188 |
| Cost of funding earning assets | 0.9450% | 2,093 |
| Net interest margin | 5.3524% | 227 |
| Noninterest income to average assets | 1.5562% | 610 |
| Noninterest expense to average assets | 4.1503% | 781 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 1.2563% | 1,554 |
| Return on assets (ROA) | 1.1843% | 1,967 |
| Pretax return on assets | 2.1576% | 520 |
| Return on Equity (ROE) | 10.3465% | 2,225 |
| Retained earnings to average equity (ytd only) | 10.3465% | 881 |
| Net charge-offs to loans | 0.1689% | 3,591 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 17.8935% | 1,509 |
| Efficiency ratio | 64.6419% | 4,775 |
| Assets per employee ($millions) | 2.9248% | 6,193 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8991% | 372 |
| Loan loss allowance to noncurrent loans | 49.5911% | 5,137 |
| Noncurrent assets plus other real estate owned to assets | 6.3625% | 649 |
| Noncurrent loans to loans | 7.8624% | 447 |
| Net loans and leases to total assets | 71.4347% | 1,651 |
| Net loans and leases to deposits | 84.9033% | 1,730 |
| Net loans and leases to core deposits | 90.4581% | 1,938 |
| Total domestic deposits to total assets | 84.1365% | 4,257 |
| Equity capital to assets | 11.8975% | 2,224 |
| Core capital (leverage) ratio | 11.4828% | 1,917 |
| Tier 1 risk-based capital ratio | 14.5738% | 4,046 |
| Total risk-based capital ratio | 15.8531% | 3,993 |
| Memoranda: | ||
| Average total assets | $532,826,000 | 1,270 |
| Average earning assets | $484,228,670 | 1,276 |
| Average equity | $60,987,000 | 1,170 |
| Average total loans | $400,249,670 | 1,053 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5196% | 156 |
| Cost of funding earning assets | 1.0085% | 1,927 |
| Net interest margin | 5.5111% | 181 |
| Noninterest income to average assets | 1.0678% | 1,264 |
| Noninterest expense to average assets | 4.3962% | 597 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.9212% | 2,822 |
| Return on assets (ROA) | 0.9331% | 2,979 |
| Pretax return on assets | 1.6994% | 1,303 |
| Return on Equity (ROE) | 8.3149% | 3,134 |
| Retained earnings to average equity (ytd only) | 8.3149% | 1,856 |
| Net charge-offs to loans | -0.0872% | 6,739 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.3433% | 3,371 |
| Assets per employee ($millions) | 2.9960% | 6,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9597% | 380 |
| Loan loss allowance to noncurrent loans | 47.0716% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 6.3665% | 714 |
| Noncurrent loans to loans | 8.4121% | 434 |
| Net loans and leases to total assets | 71.3175% | 1,518 |
| Net loans and leases to deposits | 84.8470% | 1,553 |
| Net loans and leases to core deposits | 90.9687% | 1,754 |
| Total domestic deposits to total assets | 84.0543% | 4,461 |
| Equity capital to assets | 11.3243% | 2,604 |
| Core capital (leverage) ratio | 10.8338% | 2,407 |
| Tier 1 risk-based capital ratio | 13.3080% | 4,969 |
| Total risk-based capital ratio | 14.5885% | 4,935 |
| Memoranda: | ||
| Average total assets | $534,549,000 | 1,270 |
| Average earning assets | $485,856,000 | 1,276 |
| Average equity | $59,989,000 | 1,185 |
| Average total loans | $403,622,500 | 1,045 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3473% | 236 |
| Cost of funding earning assets | 1.2597% | 1,683 |
| Net interest margin | 5.0875% | 347 |
| Noninterest income to average assets | 0.0856% | 6,696 |
| Noninterest expense to average assets | 3.7504% | 1,441 |
| Loan and lease loss provision to assets | 0.6126% | 1,686 |
| Net operating income to assets | 0.2076% | 5,572 |
| Return on assets (ROA) | 0.2462% | 5,577 |
| Pretax return on assets | 0.3850% | 5,334 |
| Return on Equity (ROE) | 2.3952% | 5,508 |
| Retained earnings to average equity (ytd only) | 2.3952% | 4,514 |
| Net charge-offs to loans | 2.1913% | 589 |
| Credit loss provision to net charge-offs | 35.0280% | 5,709 |
| Earnings coverage of net charge-offs (x) | 0.5359% | 5,423 |
| Efficiency ratio | 80.0067% | 2,300 |
| Assets per employee ($millions) | 3.0102% | 6,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8339% | 425 |
| Loan loss allowance to noncurrent loans | 59.6871% | 4,524 |
| Noncurrent assets plus other real estate owned to assets | 5.1337% | 1,027 |
| Noncurrent loans to loans | 6.4233% | 735 |
| Net loans and leases to total assets | 73.8214% | 1,303 |
| Net loans and leases to deposits | 86.9193% | 1,544 |
| Net loans and leases to core deposits | 93.1007% | 1,786 |
| Total domestic deposits to total assets | 84.9310% | 3,889 |
| Equity capital to assets | 11.1197% | 2,869 |
| Core capital (leverage) ratio | 10.2714% | 3,002 |
| Tier 1 risk-based capital ratio | 12.6019% | 5,367 |
| Total risk-based capital ratio | 13.8816% | 5,336 |
| Memoranda: | ||
| Average total assets | $571,374,600 | 1,155 |
| Average earning assets | $516,851,800 | 1,159 |
| Average equity | $58,741,400 | 1,154 |
| Average total loans | $455,986,400 | 916 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3847% | 233 |
| Cost of funding earning assets | 1.3034% | 1,678 |
| Net interest margin | 5.0813% | 352 |
| Noninterest income to average assets | 0.0094% | 7,077 |
| Noninterest expense to average assets | 3.6829% | 1,529 |
| Loan and lease loss provision to assets | 0.8032% | 1,160 |
| Net operating income to assets | 0.0640% | 6,036 |
| Return on assets (ROA) | 0.0844% | 6,118 |
| Pretax return on assets | 0.1535% | 5,993 |
| Return on Equity (ROE) | 0.8371% | 6,097 |
| Retained earnings to average equity (ytd only) | 0.8371% | 5,672 |
| Net charge-offs to loans | 2.1815% | 566 |
| Credit loss provision to net charge-offs | 45.7337% | 5,124 |
| Earnings coverage of net charge-offs (x) | 0.5266% | 5,237 |
| Efficiency ratio | 79.9293% | 2,262 |
| Assets per employee ($millions) | 3.0751% | 5,953 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2445% | 328 |
| Loan loss allowance to noncurrent loans | 64.1317% | 4,252 |
| Noncurrent assets plus other real estate owned to assets | 5.3674% | 1,051 |
| Noncurrent loans to loans | 6.6185% | 791 |
| Net loans and leases to total assets | 73.8574% | 1,344 |
| Net loans and leases to deposits | 86.4906% | 1,622 |
| Net loans and leases to core deposits | 92.5277% | 1,933 |
| Total domestic deposits to total assets | 85.3936% | 3,559 |
| Equity capital to assets | 10.6242% | 3,547 |
| Core capital (leverage) ratio | 9.3818% | 4,333 |
| Tier 1 risk-based capital ratio | 12.1482% | 5,781 |
| Total risk-based capital ratio | 13.4349% | 5,738 |
| Memoranda: | ||
| Average total assets | $581,016,000 | 1,136 |
| Average earning assets | $525,781,500 | 1,144 |
| Average equity | $58,615,000 | 1,156 |
| Average total loans | $467,731,000 | 909 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4038% | 238 |
| Cost of funding earning assets | 1.3121% | 1,870 |
| Net interest margin | 5.0917% | 338 |
| Noninterest income to average assets | -0.2612% | 7,369 |
| Noninterest expense to average assets | 3.6766% | 1,571 |
| Loan and lease loss provision to assets | 1.1840% | 665 |
| Net operating income to assets | -0.3197% | 6,567 |
| Return on assets (ROA) | -0.0575% | 6,361 |
| Pretax return on assets | -0.1069% | 6,373 |
| Return on Equity (ROE) | -0.5796% | 6,366 |
| Retained earnings to average equity (ytd only) | -0.5796% | 5,981 |
| Net charge-offs to loans | 2.9308% | 356 |
| Credit loss provision to net charge-offs | 49.5400% | 4,595 |
| Earnings coverage of net charge-offs (x) | 0.2793% | 5,101 |
| Efficiency ratio | 84.6352% | 1,747 |
| Assets per employee ($millions) | 3.3156% | 5,398 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1017% | 389 |
| Loan loss allowance to noncurrent loans | 58.7003% | 4,515 |
| Noncurrent assets plus other real estate owned to assets | 5.5601% | 1,059 |
| Noncurrent loans to loans | 6.9876% | 742 |
| Net loans and leases to total assets | 74.1331% | 1,391 |
| Net loans and leases to deposits | 86.8515% | 1,670 |
| Net loans and leases to core deposits | 92.7370% | 2,049 |
| Total domestic deposits to total assets | 85.3561% | 3,698 |
| Equity capital to assets | 9.9788% | 4,178 |
| Core capital (leverage) ratio | 8.7374% | 5,165 |
| Tier 1 risk-based capital ratio | 9.7830% | 7,036 |
| Total risk-based capital ratio | 10.9380% | 7,070 |
| Memoranda: | ||
| Average total assets | $591,204,670 | 1,124 |
| Average earning assets | $534,710,000 | 1,138 |
| Average equity | $58,659,670 | 1,143 |
| Average total loans | $482,118,330 | 897 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5095% | 208 |
| Cost of funding earning assets | 1.3228% | 2,054 |
| Net interest margin | 5.1867% | 258 |
| Noninterest income to average assets | -0.4570% | 7,492 |
| Noninterest expense to average assets | 3.5862% | 1,799 |
| Loan and lease loss provision to assets | 1.6853% | 357 |
| Net operating income to assets | -0.6429% | 6,892 |
| Return on assets (ROA) | -0.2110% | 6,587 |
| Pretax return on assets | -0.3728% | 6,671 |
| Return on Equity (ROE) | -2.1326% | 6,597 |
| Retained earnings to average equity (ytd only) | -2.1326% | 6,168 |
| Net charge-offs to loans | 2.9657% | 366 |
| Credit loss provision to net charge-offs | 67.9348% | 3,385 |
| Earnings coverage of net charge-offs (x) | 0.2571% | 4,418 |
| Efficiency ratio | 84.9026% | 1,855 |
| Assets per employee ($millions) | 3.3357% | 5,401 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3496% | 330 |
| Loan loss allowance to noncurrent loans | 57.6141% | 4,550 |
| Noncurrent assets plus other real estate owned to assets | 6.1329% | 927 |
| Noncurrent loans to loans | 7.5495% | 685 |
| Net loans and leases to total assets | 77.3209% | 824 |
| Net loans and leases to deposits | 90.2761% | 1,201 |
| Net loans and leases to core deposits | 95.1934% | 1,746 |
| Total domestic deposits to total assets | 85.6493% | 3,709 |
| Equity capital to assets | 9.7788% | 4,060 |
| Core capital (leverage) ratio | 8.7729% | 4,966 |
| Tier 1 risk-based capital ratio | 9.2922% | 7,188 |
| Total risk-based capital ratio | 10.4468% | 7,202 |
| Memoranda: | ||
| Average total assets | $593,378,500 | 1,127 |
| Average earning assets | $535,525,000 | 1,142 |
| Average equity | $58,709,000 | 1,130 |
| Average total loans | $496,346,000 | 888 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4369% | 350 |
| Cost of funding earning assets | 1.6196% | 1,954 |
| Net interest margin | 4.8173% | 651 |
| Noninterest income to average assets | 1.0531% | 1,349 |
| Noninterest expense to average assets | 3.7371% | 1,612 |
| Loan and lease loss provision to assets | 3.6964% | 193 |
| Net operating income to assets | -1.1042% | 6,743 |
| Return on assets (ROA) | -1.0980% | 6,766 |
| Pretax return on assets | -1.9727% | 7,021 |
| Return on Equity (ROE) | -11.0039% | 6,770 |
| Retained earnings to average equity (ytd only) | -11.5150% | 6,743 |
| Net charge-offs to loans | 2.4211% | 779 |
| Credit loss provision to net charge-offs | 186.4481% | 1,750 |
| Earnings coverage of net charge-offs (x) | 0.8646% | 5,271 |
| Efficiency ratio | 68.5565% | 4,445 |
| Assets per employee ($millions) | 3.2222% | 5,623 |
| Cash dividends to net income (ytd only)* | -4.6447% | 7,454 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3476% | 298 |
| Loan loss allowance to noncurrent loans | 41.9224% | 5,519 |
| Noncurrent assets plus other real estate owned to assets | 9.0005% | 504 |
| Noncurrent loans to loans | 10.3707% | 393 |
| Net loans and leases to total assets | 82.7329% | 400 |
| Net loans and leases to deposits | 96.7559% | 797 |
| Net loans and leases to core deposits | 101.2225% | 1,519 |
| Total domestic deposits to total assets | 85.5068% | 3,597 |
| Equity capital to assets | 10.0107% | 3,734 |
| Core capital (leverage) ratio | 8.7912% | 4,873 |
| Tier 1 risk-based capital ratio | 8.5216% | 7,301 |
| Total risk-based capital ratio | 9.6621% | 7,320 |
| Memoranda: | ||
| Average total assets | $621,577,800 | 1,074 |
| Average earning assets | $567,480,400 | 1,065 |
| Average equity | $62,023,400 | 1,076 |
| Average total loans | $508,973,200 | 887 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4284% | 387 |
| Cost of funding earning assets | 1.6800% | 1,967 |
| Net interest margin | 4.7485% | 751 |
| Noninterest income to average assets | 1.1964% | 974 |
| Noninterest expense to average assets | 3.5559% | 1,891 |
| Loan and lease loss provision to assets | 3.6649% | 183 |
| Net operating income to assets | -1.1017% | 6,947 |
| Return on assets (ROA) | -1.0973% | 6,980 |
| Pretax return on assets | -1.6621% | 7,090 |
| Return on Equity (ROE) | -11.0047% | 6,966 |
| Retained earnings to average equity (ytd only) | -11.6780% | 6,956 |
| Net charge-offs to loans | 2.6118% | 634 |
| Credit loss provision to net charge-offs | 173.6578% | 2,118 |
| Earnings coverage of net charge-offs (x) | 0.9458% | 5,113 |
| Efficiency ratio | 64.0473% | 5,230 |
| Assets per employee ($millions) | 2.8756% | 6,435 |
| Cash dividends to net income (ytd only)* | -6.1186% | 7,605 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7721% | 443 |
| Loan loss allowance to noncurrent loans | 52.2769% | 4,803 |
| Noncurrent assets plus other real estate owned to assets | 6.0043% | 989 |
| Noncurrent loans to loans | 7.2156% | 757 |
| Net loans and leases to total assets | 79.6771% | 795 |
| Net loans and leases to deposits | 92.8283% | 1,352 |
| Net loans and leases to core deposits | 96.2204% | 2,231 |
| Total domestic deposits to total assets | 85.8328% | 3,166 |
| Equity capital to assets | 9.9187% | 4,266 |
| Core capital (leverage) ratio | 9.1617% | 4,442 |
| Tier 1 risk-based capital ratio | 10.1971% | 6,959 |
| Total risk-based capital ratio | 11.4760% | 6,925 |
| Memoranda: | ||
| Average total assets | $629,554,750 | 1,071 |
| Average earning assets | $577,460,250 | 1,052 |
| Average equity | $62,771,750 | 1,070 |
| Average total loans | $508,710,250 | 889 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3923% | 420 |
| Cost of funding earning assets | 1.7488% | 1,872 |
| Net interest margin | 4.6435% | 907 |
| Noninterest income to average assets | 1.4950% | 574 |
| Noninterest expense to average assets | 3.5038% | 2,021 |
| Loan and lease loss provision to assets | 4.4835% | 149 |
| Net operating income to assets | -1.4698% | 7,141 |
| Return on assets (ROA) | -1.4803% | 7,154 |
| Pretax return on assets | -2.2382% | 7,307 |
| Return on Equity (ROE) | -14.8219% | 7,140 |
| Retained earnings to average equity (ytd only) | -15.8167% | 7,129 |
| Net charge-offs to loans | 3.8017% | 361 |
| Credit loss provision to net charge-offs | 147.0951% | 2,685 |
| Earnings coverage of net charge-offs (x) | 0.7419% | 5,010 |
| Efficiency ratio | 60.7753% | 5,902 |
| Assets per employee ($millions) | 2.8451% | 6,468 |
| Cash dividends to net income (ytd only)* | -6.7118% | 7,703 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2031% | 700 |
| Loan loss allowance to noncurrent loans | 44.6840% | 5,330 |
| Noncurrent assets plus other real estate owned to assets | 5.7594% | 1,047 |
| Noncurrent loans to loans | 7.1684% | 774 |
| Net loans and leases to total assets | 77.3846% | 1,217 |
| Net loans and leases to deposits | 91.4195% | 1,629 |
| Net loans and leases to core deposits | 94.3029% | 2,671 |
| Total domestic deposits to total assets | 84.6478% | 3,796 |
| Equity capital to assets | 9.6086% | 4,531 |
| Core capital (leverage) ratio | 9.0525% | 4,520 |
| Tier 1 risk-based capital ratio | 10.1479% | 6,943 |
| Total risk-based capital ratio | 11.4193% | 6,899 |
| Memoranda: | ||
| Average total assets | $638,112,670 | 1,062 |
| Average earning assets | $586,802,330 | 1,045 |
| Average equity | $63,730,000 | 1,047 |
| Average total loans | $511,608,330 | 891 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3672% | 471 |
| Cost of funding earning assets | 1.8028% | 1,861 |
| Net interest margin | 4.5644% | 1,017 |
| Noninterest income to average assets | 1.5339% | 512 |
| Noninterest expense to average assets | 3.1805% | 2,939 |
| Loan and lease loss provision to assets | 1.8700% | 602 |
| Net operating income to assets | 0.4157% | 4,769 |
| Return on assets (ROA) | 0.3161% | 5,354 |
| Pretax return on assets | 0.5850% | 4,670 |
| Return on Equity (ROE) | 3.1076% | 5,289 |
| Retained earnings to average equity (ytd only) | 1.8046% | 5,032 |
| Net charge-offs to loans | 0.8828% | 1,795 |
| Credit loss provision to net charge-offs | 263.8279% | 1,491 |
| Earnings coverage of net charge-offs (x) | 3.6831% | 2,825 |
| Efficiency ratio | 54.9216% | 6,896 |
| Assets per employee ($millions) | 2.9854% | 6,243 |
| Cash dividends to net income (ytd only)* | 41.9291% | 1,700 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5952% | 1,186 |
| Loan loss allowance to noncurrent loans | 36.0855% | 5,968 |
| Noncurrent assets plus other real estate owned to assets | 5.8078% | 1,046 |
| Noncurrent loans to loans | 7.1917% | 816 |
| Net loans and leases to total assets | 78.2819% | 1,098 |
| Net loans and leases to deposits | 91.8517% | 1,629 |
| Net loans and leases to core deposits | 94.6678% | 2,751 |
| Total domestic deposits to total assets | 85.2264% | 3,556 |
| Equity capital to assets | 10.2437% | 3,544 |
| Core capital (leverage) ratio | 10.1197% | 3,021 |
| Tier 1 risk-based capital ratio | 11.1321% | 6,022 |
| Total risk-based capital ratio | 12.3967% | 5,975 |
| Memoranda: | ||
| Average total assets | $642,788,000 | 1,076 |
| Average earning assets | $599,510,500 | 1,047 |
| Average equity | $65,387,500 | 1,017 |
| Average total loans | $516,079,500 | 904 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2606% | 184 |
| Cost of funding earning assets | 2.5612% | 871 |
| Net interest margin | 4.6995% | 836 |
| Noninterest income to average assets | 1.9264% | 397 |
| Noninterest expense to average assets | 3.4558% | 2,505 |
| Loan and lease loss provision to assets | 1.6276% | 1,405 |
| Net operating income to assets | 0.6734% | 3,042 |
| Return on assets (ROA) | 0.2052% | 4,949 |
| Pretax return on assets | 0.3799% | 4,552 |
| Return on Equity (ROE) | 2.0726% | 4,873 |
| Retained earnings to average equity (ytd only) | 0.9715% | 4,351 |
| Net charge-offs to loans | 0.7271% | 3,015 |
| Credit loss provision to net charge-offs | 269.2389% | 1,291 |
| Earnings coverage of net charge-offs (x) | 4.5309% | 2,915 |
| Efficiency ratio | 55.7850% | 7,046 |
| Assets per employee ($millions) | 3.0222% | 6,166 |
| Cash dividends to net income (ytd only)* | 53.1250% | 2,326 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2314% | 1,589 |
| Loan loss allowance to noncurrent loans | 38.1477% | 5,884 |
| Noncurrent assets plus other real estate owned to assets | 4.7196% | 1,342 |
| Noncurrent loans to loans | 5.8493% | 1,073 |
| Net loans and leases to total assets | 78.4183% | 1,299 |
| Net loans and leases to deposits | 91.4662% | 1,972 |
| Net loans and leases to core deposits | 118.0368% | 2,125 |
| Total domestic deposits to total assets | 85.7346% | 3,147 |
| Equity capital to assets | 10.1014% | 3,616 |
| Core capital (leverage) ratio | 10.0368% | 3,051 |
| Tier 1 risk-based capital ratio | 10.8436% | 6,070 |
| Total risk-based capital ratio | 12.1036% | 6,033 |
| Memoranda: | ||
| Average total assets | $623,791,400 | 1,110 |
| Average earning assets | $566,576,000 | 1,113 |
| Average equity | $61,759,200 | 1,071 |
| Average total loans | $518,669,200 | 922 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.5971% | 123 |
| Cost of funding earning assets | 2.7346% | 717 |
| Net interest margin | 4.8625% | 605 |
| Noninterest income to average assets | 1.9323% | 398 |
| Noninterest expense to average assets | 3.3638% | 2,677 |
| Loan and lease loss provision to assets | 1.4233% | 1,348 |
| Net operating income to assets | 0.8765% | 2,513 |
| Return on assets (ROA) | 0.5593% | 3,842 |
| Pretax return on assets | 1.0349% | 2,794 |
| Return on Equity (ROE) | 5.6795% | 3,657 |
| Retained earnings to average equity (ytd only) | 4.6578% | 2,680 |
| Net charge-offs to loans | 0.3204% | 4,036 |
| Credit loss provision to net charge-offs | 529.3269% | 741 |
| Earnings coverage of net charge-offs (x) | 10.9848% | 1,894 |
| Efficiency ratio | 53.2451% | 7,313 |
| Assets per employee ($millions) | 3.2669% | 5,475 |
| Cash dividends to net income (ytd only)* | 17.9892% | 3,296 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0085% | 1,777 |
| Loan loss allowance to noncurrent loans | 46.1305% | 5,239 |
| Noncurrent assets plus other real estate owned to assets | 3.9689% | 1,619 |
| Noncurrent loans to loans | 4.3541% | 1,634 |
| Net loans and leases to total assets | 80.3891% | 1,110 |
| Net loans and leases to deposits | 96.1661% | 1,552 |
| Net loans and leases to core deposits | 123.4102% | 1,956 |
| Total domestic deposits to total assets | 83.5941% | 3,910 |
| Equity capital to assets | 10.3764% | 3,648 |
| Core capital (leverage) ratio | 10.4943% | 2,796 |
| Tier 1 risk-based capital ratio | 11.8220% | 5,138 |
| Total risk-based capital ratio | 13.0760% | 5,073 |
| Memoranda: | ||
| Average total assets | $618,809,250 | 1,134 |
| Average earning assets | $558,076,500 | 1,144 |
| Average equity | $60,942,750 | 1,106 |
| Average total loans | $519,257,750 | 934 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4879% | 159 |
| Cost of funding earning assets | 2.9434% | 553 |
| Net interest margin | 4.5445% | 1,066 |
| Noninterest income to average assets | 1.4049% | 763 |
| Noninterest expense to average assets | 3.1502% | 3,504 |
| Loan and lease loss provision to assets | 1.2733% | 1,346 |
| Net operating income to assets | 0.6012% | 3,668 |
| Return on assets (ROA) | 0.6012% | 3,780 |
| Pretax return on assets | 1.1114% | 2,600 |
| Return on Equity (ROE) | 6.2206% | 3,549 |
| Retained earnings to average equity (ytd only) | 5.3594% | 2,316 |
| Net charge-offs to loans | 0.0042% | 6,552 |
| Credit loss provision to net charge-offs | 35,463.6364% | 11 |
| Earnings coverage of net charge-offs (x) | 664.1818% | 43 |
| Efficiency ratio | 56.9145% | 7,004 |
| Assets per employee ($millions) | 3.1891% | 5,610 |
| Cash dividends to net income (ytd only)* | 13.8436% | 3,311 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6395% | 2,570 |
| Loan loss allowance to noncurrent loans | 113.7695% | 2,582 |
| Noncurrent assets plus other real estate owned to assets | 1.2523% | 4,433 |
| Noncurrent loans to loans | 1.4411% | 4,335 |
| Net loans and leases to total assets | 84.0798% | 624 |
| Net loans and leases to deposits | 100.9579% | 1,176 |
| Net loans and leases to core deposits | 129.3570% | 1,624 |
| Total domestic deposits to total assets | 83.2821% | 4,113 |
| Equity capital to assets | 10.6518% | 3,249 |
| Core capital (leverage) ratio | 10.7186% | 2,645 |
| Tier 1 risk-based capital ratio | 11.7532% | 5,144 |
| Total risk-based capital ratio | 12.9972% | 5,073 |
| Memoranda: | ||
| Average total assets | $612,729,000 | 1,164 |
| Average earning assets | $556,846,000 | 1,164 |
| Average equity | $59,222,670 | 1,144 |
| Average total loans | $518,138,330 | 958 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3565% | 205 |
| Cost of funding earning assets | 3.0979% | 464 |
| Net interest margin | 4.2586% | 1,710 |
| Noninterest income to average assets | 1.1653% | 1,079 |
| Noninterest expense to average assets | 3.1936% | 3,010 |
| Loan and lease loss provision to assets | 0.6065% | 2,080 |
| Net operating income to assets | 0.6752% | 3,686 |
| Return on assets (ROA) | 0.6752% | 3,867 |
| Pretax return on assets | 1.2543% | 2,440 |
| Return on Equity (ROE) | 7.3644% | 3,443 |
| Retained earnings to average equity (ytd only) | 7.0575% | 2,190 |
| Net charge-offs to loans | 0.0008% | 5,724 |
| Credit loss provision to net charge-offs | 92,700.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 2,844.0000% | 1 |
| Efficiency ratio | 63.1845% | 5,837 |
| Assets per employee ($millions) | 3.2715% | 5,394 |
| Cash dividends to net income (ytd only)* | 4.1667% | 2,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1624% | 5,036 |
| Loan loss allowance to noncurrent loans | 71.1079% | 4,043 |
| Noncurrent assets plus other real estate owned to assets | 1.3823% | 3,882 |
| Noncurrent loans to loans | 1.6347% | 3,824 |
| Net loans and leases to total assets | 82.3471% | 959 |
| Net loans and leases to deposits | 99.8239% | 1,435 |
| Net loans and leases to core deposits | 129.1381% | 1,711 |
| Total domestic deposits to total assets | 82.4923% | 4,376 |
| Equity capital to assets | 10.5064% | 3,457 |
| Core capital (leverage) ratio | 10.9340% | 2,553 |
| Tier 1 risk-based capital ratio | 11.8409% | 5,084 |
| Total risk-based capital ratio | 12.9364% | 5,137 |
| Memoranda: | ||
| Average total assets | $611,346,000 | 1,167 |
| Average earning assets | $558,305,500 | 1,167 |
| Average equity | $56,053,500 | 1,211 |
| Average total loans | $514,141,000 | 971 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4516% | 456 |
| Cost of funding earning assets | 3.4661% | 573 |
| Net interest margin | 3.9856% | 3,188 |
| Noninterest income to average assets | 0.6988% | 3,130 |
| Noninterest expense to average assets | 3.2242% | 3,241 |
| Loan and lease loss provision to assets | 0.4122% | 3,223 |
| Net operating income to assets | 0.4218% | 5,068 |
| Return on assets (ROA) | 0.2469% | 5,531 |
| Pretax return on assets | 0.4658% | 5,082 |
| Return on Equity (ROE) | 2.9973% | 5,239 |
| Retained earnings to average equity (ytd only) | 2.9973% | 3,306 |
| Net charge-offs to loans | 0.0015% | 7,013 |
| Credit loss provision to net charge-offs | 33,357.1429% | 13 |
| Earnings coverage of net charge-offs (x) | 931.7143% | 53 |
| Efficiency ratio | 73.6889% | 3,630 |
| Assets per employee ($millions) | 3.2148% | 5,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9844% | 6,180 |
| Loan loss allowance to noncurrent loans | 1,544.6483% | 367 |
| Noncurrent assets plus other real estate owned to assets | 0.0750% | 7,272 |
| Noncurrent loans to loans | 0.0637% | 7,247 |
| Net loans and leases to total assets | 84.0665% | 874 |
| Net loans and leases to deposits | 97.8399% | 2,148 |
| Net loans and leases to core deposits | 129.9444% | 1,857 |
| Total domestic deposits to total assets | 85.9225% | 2,435 |
| Equity capital to assets | 7.8005% | 7,095 |
| Core capital (leverage) ratio | 7.9704% | 6,539 |
| Tier 1 risk-based capital ratio | 8.3669% | 8,018 |
| Total risk-based capital ratio | 9.2667% | 8,117 |
| Memoranda: | ||
| Average total assets | $566,527,000 | 1,187 |
| Average earning assets | $522,609,400 | 1,180 |
| Average equity | $46,675,800 | 1,462 |
| Average total loans | $471,093,400 | 1,028 |