Home > First Bank of Charleston, Inc. > Performance and Condition Ratios
First Bank of Charleston, Inc., 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 | 4.4579% | 2,439 |
| Cost of funding earning assets | 0.9075% | 890 |
| Net interest margin | 3.5504% | 3,520 |
| Noninterest income to average assets | 0.2252% | 4,623 |
| Noninterest expense to average assets | 2.2810% | 4,147 |
| Loan and lease loss provision to assets | 0.1987% | 879 |
| Net operating income to assets | 0.7639% | 4,035 |
| Return on assets (ROA) | 0.7586% | 4,058 |
| Pretax return on assets | 1.0780% | 3,475 |
| Return on Equity (ROE) | 6.2424% | 4,192 |
| Retained earnings to average equity (ytd only) | 2.4824% | 4,407 |
| Net charge-offs to loans | -0.0592% | 4,993 |
| Credit loss provision to net charge-offs | -482.1429% | 4,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9967% | 3,185 |
| Assets per employee ($millions) | 8.2895% | 575 |
| Cash dividends to net income (ytd only)* | 60.2329% | 1,192 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6636% | 944 |
| Loan loss allowance to noncurrent loans | 75.7333% | 3,898 |
| Noncurrent assets plus other real estate owned to assets | 1.5079% | 845 |
| Noncurrent loans to loans | 2.1966% | 642 |
| Net loans and leases to total assets | 67.5063% | 3,009 |
| Net loans and leases to deposits | 90.4108% | 1,834 |
| Net loans and leases to core deposits | 118.5069% | 628 |
| Total domestic deposits to total assets | 74.6662% | 4,921 |
| Equity capital to assets | 12.6729% | 1,483 |
| Core capital (leverage) ratio | 13.1095% | 1,234 |
| Tier 1 risk-based capital ratio | 18.9103% | 1,557 |
| Total risk-based capital ratio | 20.1647% | 1,528 |
| Memoranda: | ||
| Average total assets | $181,199,000 | 3,063 |
| Average earning assets | $170,419,250 | 3,048 |
| Average equity | $22,021,000 | 2,916 |
| Average total loans | $126,198,000 | 2,952 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4094% | 2,380 |
| Cost of funding earning assets | 0.8666% | 844 |
| Net interest margin | 3.5428% | 3,492 |
| Noninterest income to average assets | 0.2255% | 4,671 |
| Noninterest expense to average assets | 2.2890% | 4,168 |
| Loan and lease loss provision to assets | 0.1961% | 876 |
| Net operating income to assets | 0.7551% | 4,016 |
| Return on assets (ROA) | 0.7474% | 4,044 |
| Pretax return on assets | 1.0666% | 3,446 |
| Return on Equity (ROE) | 6.2342% | 4,158 |
| Retained earnings to average equity (ytd only) | 2.4810% | 4,268 |
| Net charge-offs to loans | -0.1261% | 5,229 |
| Credit loss provision to net charge-offs | -222.2222% | 4,205 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2704% | 3,280 |
| Assets per employee ($millions) | 7.8250% | 669 |
| Cash dividends to net income (ytd only)* | 60.2041% | 1,304 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5481% | 1,249 |
| Loan loss allowance to noncurrent loans | 77.1051% | 3,888 |
| Noncurrent assets plus other real estate owned to assets | 1.3857% | 1,006 |
| Noncurrent loans to loans | 2.0078% | 743 |
| Net loans and leases to total assets | 67.9500% | 2,879 |
| Net loans and leases to deposits | 88.3671% | 2,065 |
| Net loans and leases to core deposits | 124.2184% | 454 |
| Total domestic deposits to total assets | 76.8951% | 4,747 |
| Equity capital to assets | 12.1661% | 1,739 |
| Core capital (leverage) ratio | 12.5934% | 1,387 |
| Tier 1 risk-based capital ratio | 17.9629% | 1,808 |
| Total risk-based capital ratio | 19.2159% | 1,777 |
| Memoranda: | ||
| Average total assets | $183,572,000 | 3,063 |
| Average earning assets | $172,858,000 | 3,033 |
| Average equity | $22,007,670 | 2,924 |
| Average total loans | $128,429,670 | 2,930 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4121% | 2,158 |
| Cost of funding earning assets | 0.8041% | 934 |
| Net interest margin | 3.6080% | 3,142 |
| Noninterest income to average assets | 0.2244% | 4,671 |
| Noninterest expense to average assets | 2.2398% | 4,330 |
| Loan and lease loss provision to assets | 0.1942% | 862 |
| Net operating income to assets | 0.8394% | 3,558 |
| Return on assets (ROA) | 0.8394% | 3,572 |
| Pretax return on assets | 1.1890% | 2,807 |
| Return on Equity (ROE) | 7.0524% | 3,766 |
| Retained earnings to average equity (ytd only) | 3.3177% | 3,880 |
| Net charge-offs to loans | -0.1869% | 5,367 |
| Credit loss provision to net charge-offs | -147.5410% | 3,754 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.8225% | 3,818 |
| Assets per employee ($millions) | 6.4850% | 1,213 |
| Cash dividends to net income (ytd only)* | 52.9563% | 1,450 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4323% | 1,720 |
| Loan loss allowance to noncurrent loans | 74.3337% | 3,949 |
| Noncurrent assets plus other real estate owned to assets | 1.3818% | 1,057 |
| Noncurrent loans to loans | 1.9268% | 844 |
| Net loans and leases to total assets | 68.7141% | 2,669 |
| Net loans and leases to deposits | 88.6284% | 1,852 |
| Net loans and leases to core deposits | 135.3676% | 267 |
| Total domestic deposits to total assets | 77.5306% | 4,799 |
| Equity capital to assets | 12.0707% | 1,731 |
| Core capital (leverage) ratio | 12.4037% | 1,430 |
| Tier 1 risk-based capital ratio | 17.7125% | 1,916 |
| Total risk-based capital ratio | 18.9653% | 1,862 |
| Memoranda: | ||
| Average total assets | $185,370,500 | 3,077 |
| Average earning assets | $174,612,500 | 3,045 |
| Average equity | $22,063,500 | 2,955 |
| Average total loans | $130,536,500 | 2,926 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2148% | 2,630 |
| Cost of funding earning assets | 0.7313% | 885 |
| Net interest margin | 3.4835% | 3,579 |
| Noninterest income to average assets | 0.2138% | 4,871 |
| Noninterest expense to average assets | 1.9955% | 4,966 |
| Loan and lease loss provision to assets | 0.6148% | 204 |
| Net operating income to assets | 0.5831% | 4,087 |
| Return on assets (ROA) | 0.5738% | 4,158 |
| Pretax return on assets | 0.8717% | 4,010 |
| Return on Equity (ROE) | 4.9845% | 4,163 |
| Retained earnings to average equity (ytd only) | 1.2709% | 4,516 |
| Net charge-offs to loans | 0.9148% | 210 |
| Credit loss provision to net charge-offs | 92.2179% | 2,744 |
| Earnings coverage of net charge-offs (x) | 2.2506% | 3,775 |
| Efficiency ratio | 57.0793% | 4,647 |
| Assets per employee ($millions) | 7.0060% | 966 |
| Cash dividends to net income (ytd only)* | 74.5027% | 1,038 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2358% | 2,563 |
| Loan loss allowance to noncurrent loans | 64.9472% | 4,188 |
| Noncurrent assets plus other real estate owned to assets | 1.4004% | 1,001 |
| Noncurrent loans to loans | 1.9028% | 816 |
| Net loans and leases to total assets | 70.2190% | 2,491 |
| Net loans and leases to deposits | 90.4878% | 1,714 |
| Net loans and leases to core deposits | 138.7937% | 227 |
| Total domestic deposits to total assets | 77.6006% | 4,779 |
| Equity capital to assets | 11.7408% | 2,006 |
| Core capital (leverage) ratio | 11.7875% | 1,736 |
| Tier 1 risk-based capital ratio | 16.7308% | 2,183 |
| Total risk-based capital ratio | 17.9616% | 2,140 |
| Memoranda: | ||
| Average total assets | $192,734,200 | 2,988 |
| Average earning assets | $181,600,200 | 2,947 |
| Average equity | $22,188,800 | 2,938 |
| Average total loans | $140,468,600 | 2,775 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2330% | 2,506 |
| Cost of funding earning assets | 0.7105% | 917 |
| Net interest margin | 3.5225% | 3,416 |
| Noninterest income to average assets | 0.2279% | 4,847 |
| Noninterest expense to average assets | 1.9976% | 4,959 |
| Loan and lease loss provision to assets | 0.4373% | 302 |
| Net operating income to assets | 0.6520% | 4,182 |
| Return on assets (ROA) | 0.6507% | 4,242 |
| Pretax return on assets | 1.1093% | 3,267 |
| Return on Equity (ROE) | 5.6797% | 4,256 |
| Retained earnings to average equity (ytd only) | 1.9774% | 4,650 |
| Net charge-offs to loans | 0.3832% | 554 |
| Credit loss provision to net charge-offs | 155.6373% | 1,641 |
| Earnings coverage of net charge-offs (x) | 5.5122% | 3,098 |
| Efficiency ratio | 56.3301% | 4,701 |
| Assets per employee ($millions) | 7.1197% | 907 |
| Cash dividends to net income (ytd only)* | 65.1849% | 1,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4281% | 1,784 |
| Loan loss allowance to noncurrent loans | 53.6967% | 4,467 |
| Noncurrent assets plus other real estate owned to assets | 1.9960% | 649 |
| Noncurrent loans to loans | 2.6596% | 542 |
| Net loans and leases to total assets | 71.4527% | 2,338 |
| Net loans and leases to deposits | 92.4937% | 1,498 |
| Net loans and leases to core deposits | 146.0726% | 145 |
| Total domestic deposits to total assets | 77.2514% | 4,841 |
| Equity capital to assets | 11.6885% | 2,198 |
| Core capital (leverage) ratio | 11.8426% | 1,791 |
| Tier 1 risk-based capital ratio | 15.9010% | 2,548 |
| Total risk-based capital ratio | 17.1522% | 2,477 |
| Memoranda: | ||
| Average total assets | $193,627,500 | 3,007 |
| Average earning assets | $182,403,000 | 2,964 |
| Average equity | $22,183,750 | 2,957 |
| Average total loans | $141,963,500 | 2,774 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2469% | 2,302 |
| Cost of funding earning assets | 0.6916% | 935 |
| Net interest margin | 3.5553% | 3,199 |
| Noninterest income to average assets | 0.2246% | 4,900 |
| Noninterest expense to average assets | 1.9558% | 5,068 |
| Loan and lease loss provision to assets | 0.2370% | 716 |
| Net operating income to assets | 0.8171% | 3,316 |
| Return on assets (ROA) | 0.8171% | 3,369 |
| Pretax return on assets | 1.3798% | 2,101 |
| Return on Equity (ROE) | 7.1802% | 3,464 |
| Retained earnings to average equity (ytd only) | 3.4588% | 3,650 |
| Net charge-offs to loans | 0.6189% | 322 |
| Credit loss provision to net charge-offs | 52.0362% | 2,542 |
| Earnings coverage of net charge-offs (x) | 3.5498% | 3,033 |
| Efficiency ratio | 54.7447% | 4,948 |
| Assets per employee ($millions) | 7.3217% | 807 |
| Cash dividends to net income (ytd only)* | 51.8285% | 1,782 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 3,558 |
| Loan loss allowance to noncurrent loans | 119.9536% | 3,225 |
| Noncurrent assets plus other real estate owned to assets | 0.7081% | 2,444 |
| Noncurrent loans to loans | 0.9212% | 2,128 |
| Net loans and leases to total assets | 72.9219% | 2,056 |
| Net loans and leases to deposits | 91.5251% | 1,556 |
| Net loans and leases to core deposits | 143.8608% | 161 |
| Total domestic deposits to total assets | 79.6742% | 4,488 |
| Equity capital to assets | 11.8394% | 2,051 |
| Core capital (leverage) ratio | 12.2750% | 1,491 |
| Tier 1 risk-based capital ratio | 16.0528% | 2,482 |
| Total risk-based capital ratio | 17.1533% | 2,483 |
| Memoranda: | ||
| Average total assets | $194,092,670 | 3,020 |
| Average earning assets | $182,767,670 | 2,977 |
| Average equity | $22,088,670 | 2,962 |
| Average total loans | $142,836,330 | 2,760 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1385% | 2,523 |
| Cost of funding earning assets | 0.6644% | 1,004 |
| Net interest margin | 3.4741% | 3,377 |
| Noninterest income to average assets | 0.2388% | 4,829 |
| Noninterest expense to average assets | 1.9759% | 5,102 |
| Loan and lease loss provision to assets | 0.2858% | 493 |
| Net operating income to assets | 0.7287% | 3,567 |
| Return on assets (ROA) | 0.7287% | 3,616 |
| Pretax return on assets | 1.2431% | 2,438 |
| Return on Equity (ROE) | 6.5313% | 3,646 |
| Retained earnings to average equity (ytd only) | 2.7808% | 4,017 |
| Net charge-offs to loans | 1.1467% | 154 |
| Credit loss provision to net charge-offs | 33.8983% | 2,092 |
| Earnings coverage of net charge-offs (x) | 1.8136% | 2,677 |
| Efficiency ratio | 56.3774% | 4,898 |
| Assets per employee ($millions) | 7.2461% | 841 |
| Cash dividends to net income (ytd only)* | 57.4230% | 1,499 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0446% | 4,005 |
| Loan loss allowance to noncurrent loans | 115.6056% | 3,362 |
| Noncurrent assets plus other real estate owned to assets | 0.7028% | 2,533 |
| Noncurrent loans to loans | 0.9036% | 2,229 |
| Net loans and leases to total assets | 72.0969% | 2,063 |
| Net loans and leases to deposits | 91.7037% | 1,357 |
| Net loans and leases to core deposits | 146.3049% | 121 |
| Total domestic deposits to total assets | 78.6194% | 4,892 |
| Equity capital to assets | 11.2495% | 2,384 |
| Core capital (leverage) ratio | 11.6121% | 1,872 |
| Tier 1 risk-based capital ratio | 15.2186% | 2,862 |
| Total risk-based capital ratio | 16.2598% | 2,889 |
| Memoranda: | ||
| Average total assets | $195,957,000 | 3,036 |
| Average earning assets | $184,219,500 | 2,998 |
| Average equity | $21,864,000 | 2,998 |
| Average total loans | $144,070,500 | 2,764 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2561% | 2,288 |
| Cost of funding earning assets | 0.6089% | 1,284 |
| Net interest margin | 3.6472% | 2,898 |
| Noninterest income to average assets | 0.1709% | 5,367 |
| Noninterest expense to average assets | 2.0105% | 5,164 |
| Loan and lease loss provision to assets | 0.2780% | 722 |
| Net operating income to assets | 0.7773% | 3,418 |
| Return on assets (ROA) | 0.7760% | 3,529 |
| Pretax return on assets | 1.3078% | 2,255 |
| Return on Equity (ROE) | 6.8875% | 3,526 |
| Retained earnings to average equity (ytd only) | 4.0786% | 3,016 |
| Net charge-offs to loans | 0.8428% | 234 |
| Credit loss provision to net charge-offs | 44.2122% | 3,452 |
| Earnings coverage of net charge-offs (x) | 2.5249% | 3,816 |
| Efficiency ratio | 55.8724% | 5,081 |
| Assets per employee ($millions) | 7.0096% | 920 |
| Cash dividends to net income (ytd only)* | 40.7818% | 2,827 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2095% | 3,065 |
| Loan loss allowance to noncurrent loans | 80.7058% | 3,987 |
| Noncurrent assets plus other real estate owned to assets | 1.1612% | 1,578 |
| Noncurrent loans to loans | 1.4986% | 1,338 |
| Net loans and leases to total assets | 73.2856% | 1,961 |
| Net loans and leases to deposits | 95.9502% | 1,001 |
| Net loans and leases to core deposits | 150.4304% | 109 |
| Total domestic deposits to total assets | 76.3788% | 5,196 |
| Equity capital to assets | 11.0659% | 2,569 |
| Core capital (leverage) ratio | 10.9126% | 2,433 |
| Tier 1 risk-based capital ratio | 14.6071% | 3,146 |
| Total risk-based capital ratio | 15.8127% | 3,103 |
| Memoranda: | ||
| Average total assets | $197,808,200 | 2,979 |
| Average earning assets | $185,897,000 | 2,941 |
| Average equity | $22,286,800 | 2,966 |
| Average total loans | $147,605,200 | 2,672 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2108% | 2,477 |
| Cost of funding earning assets | 0.6024% | 1,302 |
| Net interest margin | 3.6085% | 3,041 |
| Noninterest income to average assets | 0.1702% | 5,417 |
| Noninterest expense to average assets | 2.0451% | 5,118 |
| Loan and lease loss provision to assets | 0.1682% | 1,360 |
| Net operating income to assets | 0.7982% | 3,370 |
| Return on assets (ROA) | 0.7965% | 3,522 |
| Pretax return on assets | 1.3475% | 2,250 |
| Return on Equity (ROE) | 7.0384% | 3,545 |
| Retained earnings to average equity (ytd only) | 4.2385% | 3,312 |
| Net charge-offs to loans | 1.1172% | 147 |
| Credit loss provision to net charge-offs | 20.1450% | 3,300 |
| Earnings coverage of net charge-offs (x) | 1.8187% | 3,655 |
| Efficiency ratio | 57.3910% | 4,905 |
| Assets per employee ($millions) | 7.5275% | 712 |
| Cash dividends to net income (ytd only)* | 39.7801% | 2,366 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0160% | 4,321 |
| Loan loss allowance to noncurrent loans | 49.8978% | 4,733 |
| Noncurrent assets plus other real estate owned to assets | 1.6611% | 1,037 |
| Noncurrent loans to loans | 2.0361% | 960 |
| Net loans and leases to total assets | 72.8788% | 2,038 |
| Net loans and leases to deposits | 96.8915% | 962 |
| Net loans and leases to core deposits | 146.7760% | 145 |
| Total domestic deposits to total assets | 75.2169% | 5,317 |
| Equity capital to assets | 11.2588% | 2,734 |
| Core capital (leverage) ratio | 10.9768% | 2,473 |
| Tier 1 risk-based capital ratio | 14.7404% | 3,168 |
| Total risk-based capital ratio | 15.7255% | 3,231 |
| Memoranda: | ||
| Average total assets | $198,193,000 | 2,985 |
| Average earning assets | $186,372,000 | 2,950 |
| Average equity | $22,428,750 | 2,973 |
| Average total loans | $148,107,000 | 2,673 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1924% | 2,533 |
| Cost of funding earning assets | 0.5922% | 1,379 |
| Net interest margin | 3.6002% | 3,097 |
| Noninterest income to average assets | 0.1950% | 5,329 |
| Noninterest expense to average assets | 2.0581% | 5,147 |
| Loan and lease loss provision to assets | 0.2261% | 914 |
| Net operating income to assets | 0.7653% | 3,478 |
| Return on assets (ROA) | 0.7627% | 3,634 |
| Pretax return on assets | 1.2913% | 2,445 |
| Return on Equity (ROE) | 6.7287% | 3,684 |
| Retained earnings to average equity (ytd only) | 3.9096% | 3,410 |
| Net charge-offs to loans | 1.5243% | 94 |
| Credit loss provision to net charge-offs | 19.7542% | 2,932 |
| Earnings coverage of net charge-offs (x) | 1.3292% | 3,425 |
| Efficiency ratio | 57.4958% | 4,973 |
| Assets per employee ($millions) | 7.1469% | 821 |
| Cash dividends to net income (ytd only)* | 41.8972% | 2,333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 4,273 |
| Loan loss allowance to noncurrent loans | 48.4744% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 1.8465% | 918 |
| Noncurrent loans to loans | 2.1488% | 896 |
| Net loans and leases to total assets | 73.1612% | 1,992 |
| Net loans and leases to deposits | 94.4463% | 1,244 |
| Net loans and leases to core deposits | 144.1661% | 151 |
| Total domestic deposits to total assets | 77.4632% | 5,087 |
| Equity capital to assets | 10.8829% | 3,190 |
| Core capital (leverage) ratio | 10.9993% | 2,427 |
| Tier 1 risk-based capital ratio | 14.2650% | 3,461 |
| Total risk-based capital ratio | 15.2811% | 3,506 |
| Memoranda: | ||
| Average total assets | $199,019,330 | 2,984 |
| Average earning assets | $187,102,000 | 2,961 |
| Average equity | $22,560,000 | 2,969 |
| Average total loans | $149,443,330 | 2,659 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2207% | 2,400 |
| Cost of funding earning assets | 0.5778% | 1,493 |
| Net interest margin | 3.6429% | 2,917 |
| Noninterest income to average assets | 0.1894% | 5,374 |
| Noninterest expense to average assets | 2.0759% | 5,161 |
| Loan and lease loss provision to assets | 0.4535% | 287 |
| Net operating income to assets | 0.6319% | 4,053 |
| Return on assets (ROA) | 0.6268% | 4,189 |
| Pretax return on assets | 1.0702% | 3,203 |
| Return on Equity (ROE) | 5.4202% | 4,274 |
| Retained earnings to average equity (ytd only) | 2.5794% | 4,211 |
| Net charge-offs to loans | 2.2105% | 64 |
| Credit loss provision to net charge-offs | 27.1084% | 2,247 |
| Earnings coverage of net charge-offs (x) | 0.9157% | 2,883 |
| Efficiency ratio | 57.5419% | 5,051 |
| Assets per employee ($millions) | 7.3483% | 757 |
| Cash dividends to net income (ytd only)* | 52.4116% | 1,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2349% | 3,281 |
| Loan loss allowance to noncurrent loans | 51.7617% | 4,788 |
| Noncurrent assets plus other real estate owned to assets | 2.0090% | 861 |
| Noncurrent loans to loans | 2.3858% | 817 |
| Net loans and leases to total assets | 74.6138% | 1,625 |
| Net loans and leases to deposits | 98.6197% | 713 |
| Net loans and leases to core deposits | 164.1652% | 74 |
| Total domestic deposits to total assets | 75.6581% | 5,455 |
| Equity capital to assets | 10.7796% | 3,178 |
| Core capital (leverage) ratio | 10.8713% | 2,547 |
| Tier 1 risk-based capital ratio | 13.9876% | 3,708 |
| Total risk-based capital ratio | 15.2011% | 3,649 |
| Memoranda: | ||
| Average total assets | $198,472,500 | 3,003 |
| Average earning assets | $186,224,500 | 2,984 |
| Average equity | $22,951,000 | 2,932 |
| Average total loans | $150,192,000 | 2,645 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2201% | 2,495 |
| Cost of funding earning assets | 0.5220% | 1,980 |
| Net interest margin | 3.6981% | 2,755 |
| Noninterest income to average assets | 0.2281% | 5,230 |
| Noninterest expense to average assets | 1.8715% | 5,647 |
| Loan and lease loss provision to assets | 1.6089% | 44 |
| Net operating income to assets | 0.0636% | 5,800 |
| Return on assets (ROA) | 0.3276% | 5,363 |
| Pretax return on assets | 0.6368% | 4,713 |
| Return on Equity (ROE) | 2.7138% | 5,394 |
| Retained earnings to average equity (ytd only) | 0.1126% | 5,461 |
| Net charge-offs to loans | 2.9135% | 36 |
| Credit loss provision to net charge-offs | 75.5814% | 3,030 |
| Earnings coverage of net charge-offs (x) | 0.8611% | 4,166 |
| Efficiency ratio | 50.5175% | 5,736 |
| Assets per employee ($millions) | 7.0908% | 860 |
| Cash dividends to net income (ytd only)* | 95.8519% | 479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6319% | 1,525 |
| Loan loss allowance to noncurrent loans | 66.7573% | 4,465 |
| Noncurrent assets plus other real estate owned to assets | 2.2076% | 765 |
| Noncurrent loans to loans | 2.4446% | 764 |
| Net loans and leases to total assets | 74.5641% | 1,636 |
| Net loans and leases to deposits | 107.3640% | 316 |
| Net loans and leases to core deposits | 143.9597% | 140 |
| Total domestic deposits to total assets | 69.4498% | 5,918 |
| Equity capital to assets | 12.3475% | 1,707 |
| Core capital (leverage) ratio | 12.2648% | 1,472 |
| Tier 1 risk-based capital ratio | 16.4818% | 2,493 |
| Total risk-based capital ratio | 17.7366% | 2,447 |
| Memoranda: | ||
| Average total assets | $206,039,600 | 2,889 |
| Average earning assets | $193,693,600 | 2,851 |
| Average equity | $24,872,600 | 2,701 |
| Average total loans | $150,538,600 | 2,592 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1927% | 2,598 |
| Cost of funding earning assets | 0.5121% | 2,103 |
| Net interest margin | 3.6806% | 2,846 |
| Noninterest income to average assets | 0.2398% | 5,213 |
| Noninterest expense to average assets | 1.7962% | 5,781 |
| Loan and lease loss provision to assets | 1.7250% | 26 |
| Net operating income to assets | -0.1353% | 6,022 |
| Return on assets (ROA) | 0.2135% | 5,714 |
| Pretax return on assets | 0.7253% | 4,590 |
| Return on Equity (ROE) | 1.7787% | 5,717 |
| Retained earnings to average equity (ytd only) | -0.8119% | 5,737 |
| Net charge-offs to loans | 3.4336% | 25 |
| Credit loss provision to net charge-offs | 69.3835% | 2,778 |
| Earnings coverage of net charge-offs (x) | 0.7663% | 3,915 |
| Efficiency ratio | 48.5274% | 5,848 |
| Assets per employee ($millions) | 7.0057% | 869 |
| Cash dividends to net income (ytd only)* | 145.6452% | 134 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5711% | 1,881 |
| Loan loss allowance to noncurrent loans | 51.2035% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 2.4591% | 713 |
| Noncurrent loans to loans | 3.0683% | 566 |
| Net loans and leases to total assets | 72.1601% | 2,037 |
| Net loans and leases to deposits | 108.9142% | 279 |
| Net loans and leases to core deposits | 148.1657% | 115 |
| Total domestic deposits to total assets | 66.2540% | 6,084 |
| Equity capital to assets | 12.0360% | 2,076 |
| Core capital (leverage) ratio | 11.9646% | 1,691 |
| Tier 1 risk-based capital ratio | 16.7136% | 2,472 |
| Total risk-based capital ratio | 17.9680% | 2,428 |
| Memoranda: | ||
| Average total assets | $207,914,000 | 2,896 |
| Average earning assets | $195,541,250 | 2,848 |
| Average equity | $24,962,000 | 2,717 |
| Average total loans | $150,549,000 | 2,599 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1997% | 2,543 |
| Cost of funding earning assets | 0.5064% | 2,195 |
| Net interest margin | 3.6933% | 2,737 |
| Noninterest income to average assets | 0.2473% | 5,182 |
| Noninterest expense to average assets | 1.7719% | 5,888 |
| Loan and lease loss provision to assets | 0.7160% | 119 |
| Net operating income to assets | 0.6673% | 4,043 |
| Return on assets (ROA) | 1.1867% | 1,711 |
| Pretax return on assets | 2.0449% | 553 |
| Return on Equity (ROE) | 9.8919% | 2,123 |
| Retained earnings to average equity (ytd only) | 7.3135% | 1,566 |
| Net charge-offs to loans | 3.4855% | 29 |
| Credit loss provision to net charge-offs | 28.4846% | 2,940 |
| Earnings coverage of net charge-offs (x) | 0.7755% | 3,625 |
| Efficiency ratio | 47.6142% | 5,981 |
| Assets per employee ($millions) | 7.6579% | 623 |
| Cash dividends to net income (ytd only)* | 26.0660% | 2,952 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1050% | 4,296 |
| Loan loss allowance to noncurrent loans | 25.2225% | 5,594 |
| Noncurrent assets plus other real estate owned to assets | 3.3449% | 444 |
| Noncurrent loans to loans | 4.3809% | 321 |
| Net loans and leases to total assets | 71.1635% | 2,135 |
| Net loans and leases to deposits | 107.4470% | 322 |
| Net loans and leases to core deposits | 142.1729% | 152 |
| Total domestic deposits to total assets | 66.2312% | 6,162 |
| Equity capital to assets | 12.3253% | 1,787 |
| Core capital (leverage) ratio | 12.0577% | 1,617 |
| Tier 1 risk-based capital ratio | 24.7633% | 886 |
| Total risk-based capital ratio | 26.0178% | 876 |
| Memoranda: | ||
| Average total assets | $209,497,000 | 2,893 |
| Average earning assets | $197,062,000 | 2,847 |
| Average equity | $25,131,670 | 2,714 |
| Average total loans | $151,084,000 | 2,599 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1920% | 2,488 |
| Cost of funding earning assets | 0.4948% | 2,337 |
| Net interest margin | 3.6971% | 2,624 |
| Noninterest income to average assets | 0.2523% | 5,155 |
| Noninterest expense to average assets | 1.6959% | 6,017 |
| Loan and lease loss provision to assets | 0.8536% | 102 |
| Net operating income to assets | 0.6146% | 4,221 |
| Return on assets (ROA) | 1.6466% | 690 |
| Pretax return on assets | 2.8018% | 162 |
| Return on Equity (ROE) | 13.9128% | 896 |
| Retained earnings to average equity (ytd only) | 11.3161% | 672 |
| Net charge-offs to loans | 5.5047% | 13 |
| Credit loss provision to net charge-offs | 21.4797% | 2,347 |
| Earnings coverage of net charge-offs (x) | 0.5141% | 3,037 |
| Efficiency ratio | 45.3577% | 6,132 |
| Assets per employee ($millions) | 8.1786% | 508 |
| Cash dividends to net income (ytd only)* | 18.6636% | 2,571 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2319% | 3,778 |
| Loan loss allowance to noncurrent loans | 20.8647% | 5,705 |
| Noncurrent assets plus other real estate owned to assets | 4.2442% | 336 |
| Noncurrent loans to loans | 5.9041% | 184 |
| Net loans and leases to total assets | 70.9612% | 1,985 |
| Net loans and leases to deposits | 104.2972% | 357 |
| Net loans and leases to core deposits | 144.9371% | 123 |
| Total domestic deposits to total assets | 68.0375% | 6,197 |
| Equity capital to assets | 11.9374% | 2,072 |
| Core capital (leverage) ratio | 12.0025% | 1,636 |
| Tier 1 risk-based capital ratio | 18.2316% | 2,074 |
| Total risk-based capital ratio | 19.4825% | 2,030 |
| Memoranda: | ||
| Average total assets | $210,864,500 | 2,901 |
| Average earning assets | $198,857,000 | 2,850 |
| Average equity | $24,955,500 | 2,754 |
| Average total loans | $152,234,500 | 2,597 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1716% | 3,041 |
| Cost of funding earning assets | 0.5333% | 2,346 |
| Net interest margin | 3.6383% | 3,263 |
| Noninterest income to average assets | 0.2786% | 5,122 |
| Noninterest expense to average assets | 1.8018% | 6,063 |
| Loan and lease loss provision to assets | 0.4779% | 331 |
| Net operating income to assets | 0.8431% | 3,156 |
| Return on assets (ROA) | 0.8431% | 3,249 |
| Pretax return on assets | 1.4257% | 1,797 |
| Return on Equity (ROE) | 7.3130% | 3,467 |
| Retained earnings to average equity (ytd only) | 3.6482% | 3,622 |
| Net charge-offs to loans | 0.0877% | 3,235 |
| Credit loss provision to net charge-offs | 769.2308% | 352 |
| Earnings coverage of net charge-offs (x) | 30.6385% | 1,315 |
| Efficiency ratio | 48.6263% | 6,161 |
| Assets per employee ($millions) | 8.7119% | 395 |
| Cash dividends to net income (ytd only)* | 50.1134% | 2,273 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3251% | 698 |
| Loan loss allowance to noncurrent loans | 38.2414% | 5,419 |
| Noncurrent assets plus other real estate owned to assets | 4.4666% | 350 |
| Noncurrent loans to loans | 6.0800% | 184 |
| Net loans and leases to total assets | 70.8637% | 2,099 |
| Net loans and leases to deposits | 108.1867% | 291 |
| Net loans and leases to core deposits | 143.2164% | 144 |
| Total domestic deposits to total assets | 65.5013% | 6,338 |
| Equity capital to assets | 11.7306% | 2,224 |
| Core capital (leverage) ratio | 11.7354% | 1,808 |
| Tier 1 risk-based capital ratio | 15.2494% | 3,348 |
| Total risk-based capital ratio | 16.5112% | 3,287 |
| Memoranda: | ||
| Average total assets | $209,235,200 | 2,882 |
| Average earning assets | $197,070,000 | 2,837 |
| Average equity | $24,121,400 | 2,748 |
| Average total loans | $148,280,800 | 2,597 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1786% | 3,066 |
| Cost of funding earning assets | 0.5394% | 2,379 |
| Net interest margin | 3.6392% | 3,272 |
| Noninterest income to average assets | 0.2943% | 5,091 |
| Noninterest expense to average assets | 1.7890% | 6,105 |
| Loan and lease loss provision to assets | 0.3504% | 502 |
| Net operating income to assets | 0.9391% | 2,738 |
| Return on assets (ROA) | 0.9391% | 2,824 |
| Pretax return on assets | 1.5807% | 1,387 |
| Return on Equity (ROE) | 8.1818% | 3,105 |
| Retained earnings to average equity (ytd only) | 4.1797% | 3,677 |
| Net charge-offs to loans | 0.0534% | 3,451 |
| Credit loss provision to net charge-offs | 932.2034% | 347 |
| Earnings coverage of net charge-offs (x) | 51.3759% | 959 |
| Efficiency ratio | 48.0904% | 6,199 |
| Assets per employee ($millions) | 8.4374% | 435 |
| Cash dividends to net income (ytd only)* | 48.9147% | 1,893 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0875% | 1,106 |
| Loan loss allowance to noncurrent loans | 35.0401% | 5,588 |
| Noncurrent assets plus other real estate owned to assets | 4.3141% | 436 |
| Noncurrent loans to loans | 5.9576% | 238 |
| Net loans and leases to total assets | 69.9985% | 2,192 |
| Net loans and leases to deposits | 101.7840% | 512 |
| Net loans and leases to core deposits | 133.5565% | 198 |
| Total domestic deposits to total assets | 68.7716% | 6,319 |
| Equity capital to assets | 11.6035% | 2,392 |
| Core capital (leverage) ratio | 11.6261% | 1,960 |
| Tier 1 risk-based capital ratio | 15.1779% | 3,491 |
| Total risk-based capital ratio | 16.4367% | 3,424 |
| Memoranda: | ||
| Average total assets | $209,272,500 | 2,909 |
| Average earning assets | $197,000,500 | 2,865 |
| Average equity | $24,020,000 | 2,759 |
| Average total loans | $147,427,750 | 2,623 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1576% | 3,112 |
| Cost of funding earning assets | 0.5420% | 2,417 |
| Net interest margin | 3.6156% | 3,296 |
| Noninterest income to average assets | 0.3038% | 4,978 |
| Noninterest expense to average assets | 1.7718% | 6,184 |
| Loan and lease loss provision to assets | 0.2875% | 698 |
| Net operating income to assets | 0.9755% | 2,435 |
| Return on assets (ROA) | 0.9755% | 2,511 |
| Pretax return on assets | 1.6453% | 1,149 |
| Return on Equity (ROE) | 8.5302% | 2,821 |
| Retained earnings to average equity (ytd only) | 3.7624% | 3,796 |
| Net charge-offs to loans | 0.1217% | 2,457 |
| Credit loss provision to net charge-offs | 337.0787% | 781 |
| Earnings coverage of net charge-offs (x) | 22.6629% | 1,503 |
| Efficiency ratio | 47.8272% | 6,295 |
| Assets per employee ($millions) | 8.4269% | 414 |
| Cash dividends to net income (ytd only)* | 55.8939% | 1,685 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9361% | 1,491 |
| Loan loss allowance to noncurrent loans | 29.0489% | 5,808 |
| Noncurrent assets plus other real estate owned to assets | 4.7695% | 388 |
| Noncurrent loans to loans | 6.6650% | 197 |
| Net loans and leases to total assets | 68.9522% | 2,245 |
| Net loans and leases to deposits | 96.3481% | 777 |
| Net loans and leases to core deposits | 123.6249% | 309 |
| Total domestic deposits to total assets | 71.5658% | 6,282 |
| Equity capital to assets | 11.5103% | 2,417 |
| Core capital (leverage) ratio | 11.5947% | 1,927 |
| Tier 1 risk-based capital ratio | 15.1516% | 3,553 |
| Total risk-based capital ratio | 16.4089% | 3,496 |
| Memoranda: | ||
| Average total assets | $208,718,000 | 2,934 |
| Average earning assets | $196,315,670 | 2,880 |
| Average equity | $23,868,000 | 2,764 |
| Average total loans | $146,303,670 | 2,635 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0772% | 3,369 |
| Cost of funding earning assets | 0.5511% | 2,410 |
| Net interest margin | 3.5260% | 3,586 |
| Noninterest income to average assets | 0.3331% | 4,708 |
| Noninterest expense to average assets | 1.8465% | 6,151 |
| Loan and lease loss provision to assets | 0.2888% | 687 |
| Net operating income to assets | 0.9050% | 2,625 |
| Return on assets (ROA) | 0.9050% | 2,695 |
| Pretax return on assets | 1.5115% | 1,403 |
| Return on Equity (ROE) | 7.9400% | 2,959 |
| Retained earnings to average equity (ytd only) | 1.1995% | 5,126 |
| Net charge-offs to loans | -0.0028% | 4,731 |
| Credit loss provision to net charge-offs | -15,000.0000% | 5,662 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.6336% | 6,218 |
| Assets per employee ($millions) | 8.7193% | 367 |
| Cash dividends to net income (ytd only)* | 84.8936% | 884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9003% | 1,752 |
| Loan loss allowance to noncurrent loans | 30.5916% | 5,843 |
| Noncurrent assets plus other real estate owned to assets | 4.4705% | 492 |
| Noncurrent loans to loans | 6.2118% | 284 |
| Net loans and leases to total assets | 69.2712% | 2,020 |
| Net loans and leases to deposits | 100.5473% | 418 |
| Net loans and leases to core deposits | 125.7910% | 233 |
| Total domestic deposits to total assets | 68.8942% | 6,487 |
| Equity capital to assets | 11.3599% | 2,369 |
| Core capital (leverage) ratio | 11.5505% | 1,934 |
| Tier 1 risk-based capital ratio | 15.1044% | 3,654 |
| Total risk-based capital ratio | 16.3605% | 3,606 |
| Memoranda: | ||
| Average total assets | $207,741,000 | 2,960 |
| Average earning assets | $195,233,000 | 2,902 |
| Average equity | $23,677,500 | 2,780 |
| Average total loans | $145,390,000 | 2,652 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5015% | 2,197 |
| Cost of funding earning assets | 0.6054% | 2,611 |
| Net interest margin | 3.8961% | 2,297 |
| Noninterest income to average assets | 0.2414% | 5,618 |
| Noninterest expense to average assets | 1.6288% | 6,500 |
| Loan and lease loss provision to assets | 0.1616% | 2,260 |
| Net operating income to assets | 1.3123% | 1,220 |
| Return on assets (ROA) | 1.3126% | 1,258 |
| Pretax return on assets | 2.1253% | 369 |
| Return on Equity (ROE) | 11.8536% | 1,470 |
| Retained earnings to average equity (ytd only) | 9.5633% | 657 |
| Net charge-offs to loans | 0.0607% | 4,362 |
| Credit loss provision to net charge-offs | 375.0000% | 605 |
| Earnings coverage of net charge-offs (x) | 53.0682% | 759 |
| Efficiency ratio | 41.6031% | 6,658 |
| Assets per employee ($millions) | 8.2488% | 422 |
| Cash dividends to net income (ytd only)* | 19.3211% | 3,740 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8579% | 1,902 |
| Loan loss allowance to noncurrent loans | 38.3019% | 5,692 |
| Noncurrent assets plus other real estate owned to assets | 3.4492% | 862 |
| Noncurrent loans to loans | 4.8506% | 536 |
| Net loans and leases to total assets | 68.0616% | 2,350 |
| Net loans and leases to deposits | 97.3059% | 638 |
| Net loans and leases to core deposits | 124.9976% | 248 |
| Total domestic deposits to total assets | 69.9460% | 6,521 |
| Equity capital to assets | 11.4359% | 2,218 |
| Core capital (leverage) ratio | 11.7622% | 1,784 |
| Tier 1 risk-based capital ratio | 15.2965% | 3,485 |
| Total risk-based capital ratio | 16.5518% | 3,435 |
| Memoranda: | ||
| Average total assets | $204,256,800 | 2,983 |
| Average earning assets | $192,601,600 | 2,919 |
| Average equity | $22,617,600 | 2,866 |
| Average total loans | $145,038,200 | 2,626 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5278% | 2,128 |
| Cost of funding earning assets | 0.6097% | 2,736 |
| Net interest margin | 3.9181% | 2,206 |
| Noninterest income to average assets | 0.2329% | 5,769 |
| Noninterest expense to average assets | 1.6319% | 6,532 |
| Loan and lease loss provision to assets | 0.1178% | 2,824 |
| Net operating income to assets | 1.2746% | 1,416 |
| Return on assets (ROA) | 1.2746% | 1,485 |
| Pretax return on assets | 2.1796% | 407 |
| Return on Equity (ROE) | 11.6073% | 1,620 |
| Retained earnings to average equity (ytd only) | 9.2000% | 1,001 |
| Net charge-offs to loans | 0.1017% | 3,524 |
| Credit loss provision to net charge-offs | 162.1622% | 1,460 |
| Earnings coverage of net charge-offs (x) | 31.6299% | 1,194 |
| Efficiency ratio | 41.5321% | 6,720 |
| Assets per employee ($millions) | 8.0528% | 451 |
| Cash dividends to net income (ytd only)* | 20.7391% | 3,066 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6900% | 2,657 |
| Loan loss allowance to noncurrent loans | 109.8629% | 3,234 |
| Noncurrent assets plus other real estate owned to assets | 1.2105% | 3,223 |
| Noncurrent loans to loans | 1.5383% | 2,859 |
| Net loans and leases to total assets | 71.7761% | 1,635 |
| Net loans and leases to deposits | 102.4779% | 355 |
| Net loans and leases to core deposits | 135.7168% | 142 |
| Total domestic deposits to total assets | 70.0406% | 6,595 |
| Equity capital to assets | 11.4425% | 2,340 |
| Core capital (leverage) ratio | 11.2262% | 2,274 |
| Tier 1 risk-based capital ratio | 14.9592% | 3,775 |
| Total risk-based capital ratio | 16.2198% | 3,718 |
| Memoranda: | ||
| Average total assets | $203,766,250 | 3,012 |
| Average earning assets | $192,231,250 | 2,947 |
| Average equity | $22,376,250 | 2,918 |
| Average total loans | $145,544,500 | 2,642 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4637% | 2,337 |
| Cost of funding earning assets | 0.6050% | 2,893 |
| Net interest margin | 3.8587% | 2,346 |
| Noninterest income to average assets | 0.2180% | 5,879 |
| Noninterest expense to average assets | 1.5994% | 6,587 |
| Loan and lease loss provision to assets | 0.1613% | 2,314 |
| Net operating income to assets | 1.2259% | 1,523 |
| Return on assets (ROA) | 1.2259% | 1,628 |
| Pretax return on assets | 2.0989% | 495 |
| Return on Equity (ROE) | 11.3196% | 1,713 |
| Retained earnings to average equity (ytd only) | 8.6657% | 1,239 |
| Net charge-offs to loans | 0.0386% | 4,136 |
| Credit loss provision to net charge-offs | 589.2857% | 490 |
| Earnings coverage of net charge-offs (x) | 82.5714% | 549 |
| Efficiency ratio | 41.4387% | 6,769 |
| Assets per employee ($millions) | 8.8915% | 321 |
| Cash dividends to net income (ytd only)* | 23.4450% | 2,875 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7349% | 2,650 |
| Loan loss allowance to noncurrent loans | 111.5872% | 3,183 |
| Noncurrent assets plus other real estate owned to assets | 1.2650% | 3,232 |
| Noncurrent loans to loans | 1.5548% | 2,976 |
| Net loans and leases to total assets | 70.6808% | 1,769 |
| Net loans and leases to deposits | 102.0236% | 333 |
| Net loans and leases to core deposits | 135.9259% | 156 |
| Total domestic deposits to total assets | 69.2788% | 6,679 |
| Equity capital to assets | 10.9211% | 2,825 |
| Core capital (leverage) ratio | 11.1139% | 2,246 |
| Tier 1 risk-based capital ratio | 14.2994% | 4,229 |
| Total risk-based capital ratio | 15.4267% | 4,265 |
| Memoranda: | ||
| Average total assets | $204,582,000 | 3,008 |
| Average earning assets | $193,068,330 | 2,957 |
| Average equity | $22,156,330 | 2,965 |
| Average total loans | $145,065,000 | 2,645 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4718% | 2,272 |
| Cost of funding earning assets | 0.6060% | 3,056 |
| Net interest margin | 3.8657% | 2,229 |
| Noninterest income to average assets | 0.2248% | 5,861 |
| Noninterest expense to average assets | 1.6890% | 6,569 |
| Loan and lease loss provision to assets | 0.2932% | 1,195 |
| Net operating income to assets | 1.1084% | 1,826 |
| Return on assets (ROA) | 1.1084% | 1,933 |
| Pretax return on assets | 1.8962% | 743 |
| Return on Equity (ROE) | 10.2776% | 1,964 |
| Retained earnings to average equity (ytd only) | 6.9605% | 2,173 |
| Net charge-offs to loans | -0.2943% | 6,775 |
| Credit loss provision to net charge-offs | -141.5094% | 5,196 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 43.5484% | 6,790 |
| Assets per employee ($millions) | 8.4901% | 397 |
| Cash dividends to net income (ytd only)* | 32.2751% | 2,035 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8793% | 2,369 |
| Loan loss allowance to noncurrent loans | 140.4311% | 2,513 |
| Noncurrent assets plus other real estate owned to assets | 0.9334% | 4,063 |
| Noncurrent loans to loans | 1.3383% | 3,560 |
| Net loans and leases to total assets | 68.4397% | 1,932 |
| Net loans and leases to deposits | 97.3882% | 473 |
| Net loans and leases to core deposits | 128.8854% | 184 |
| Total domestic deposits to total assets | 70.2751% | 6,750 |
| Equity capital to assets | 10.9579% | 3,004 |
| Core capital (leverage) ratio | 10.7556% | 2,492 |
| Tier 1 risk-based capital ratio | 14.6385% | 4,075 |
| Total risk-based capital ratio | 15.5296% | 4,273 |
| Memoranda: | ||
| Average total assets | $204,621,000 | 3,041 |
| Average earning assets | $193,391,500 | 2,972 |
| Average equity | $22,067,500 | 3,018 |
| Average total loans | $144,049,000 | 2,665 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0722% | 1,375 |
| Cost of funding earning assets | 0.8740% | 2,103 |
| Net interest margin | 4.1982% | 1,669 |
| Noninterest income to average assets | 0.2268% | 5,819 |
| Noninterest expense to average assets | 1.6187% | 6,790 |
| Loan and lease loss provision to assets | 0.3480% | 1,923 |
| Net operating income to assets | 1.2932% | 1,327 |
| Return on assets (ROA) | 1.2929% | 1,478 |
| Pretax return on assets | 2.2239% | 391 |
| Return on Equity (ROE) | 12.1149% | 1,476 |
| Retained earnings to average equity (ytd only) | 9.4291% | 712 |
| Net charge-offs to loans | -0.0356% | 6,646 |
| Credit loss provision to net charge-offs | -1,377.5510% | 6,612 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.6224% | 6,954 |
| Assets per employee ($millions) | 8.5617% | 393 |
| Cash dividends to net income (ytd only)* | 22.1691% | 3,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6537% | 3,104 |
| Loan loss allowance to noncurrent loans | 292.2518% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 0.4020% | 5,476 |
| Noncurrent loans to loans | 0.5659% | 5,119 |
| Net loans and leases to total assets | 69.8652% | 1,870 |
| Net loans and leases to deposits | 98.4265% | 483 |
| Net loans and leases to core deposits | 130.5212% | 185 |
| Total domestic deposits to total assets | 70.9821% | 6,745 |
| Equity capital to assets | 10.6127% | 3,386 |
| Core capital (leverage) ratio | 10.7032% | 2,546 |
| Tier 1 risk-based capital ratio | 13.8032% | 4,534 |
| Total risk-based capital ratio | 14.9821% | 4,531 |
| Memoranda: | ||
| Average total assets | $193,984,400 | 3,124 |
| Average earning assets | $183,175,600 | 3,049 |
| Average equity | $20,701,800 | 3,115 |
| Average total loans | $137,525,800 | 2,748 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0264% | 1,621 |
| Cost of funding earning assets | 0.9546% | 1,828 |
| Net interest margin | 4.0719% | 2,201 |
| Noninterest income to average assets | 0.2239% | 5,951 |
| Noninterest expense to average assets | 1.6855% | 6,800 |
| Loan and lease loss provision to assets | 0.3488% | 1,876 |
| Net operating income to assets | 1.1874% | 1,787 |
| Return on assets (ROA) | 1.1874% | 1,967 |
| Pretax return on assets | 2.0316% | 664 |
| Return on Equity (ROE) | 11.1100% | 1,917 |
| Retained earnings to average equity (ytd only) | 8.4207% | 1,437 |
| Net charge-offs to loans | 0.0433% | 5,044 |
| Credit loss provision to net charge-offs | 1,136.3636% | 245 |
| Earnings coverage of net charge-offs (x) | 77.5391% | 528 |
| Efficiency ratio | 41.4550% | 6,984 |
| Assets per employee ($millions) | 8.3268% | 422 |
| Cash dividends to net income (ytd only)* | 24.2068% | 2,900 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5329% | 3,805 |
| Loan loss allowance to noncurrent loans | 216.3306% | 1,658 |
| Noncurrent assets plus other real estate owned to assets | 0.4964% | 5,434 |
| Noncurrent loans to loans | 0.7086% | 5,020 |
| Net loans and leases to total assets | 68.9815% | 2,117 |
| Net loans and leases to deposits | 94.4995% | 753 |
| Net loans and leases to core deposits | 113.1193% | 457 |
| Total domestic deposits to total assets | 72.9967% | 6,677 |
| Equity capital to assets | 10.6439% | 3,681 |
| Core capital (leverage) ratio | 10.5657% | 2,843 |
| Tier 1 risk-based capital ratio | 13.8829% | 4,626 |
| Total risk-based capital ratio | 15.1172% | 4,592 |
| Memoranda: | ||
| Average total assets | $191,110,500 | 3,193 |
| Average earning assets | $180,321,500 | 3,114 |
| Average equity | $20,425,500 | 3,181 |
| Average total loans | $135,414,000 | 2,820 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9517% | 1,924 |
| Cost of funding earning assets | 1.0011% | 1,752 |
| Net interest margin | 3.9506% | 2,716 |
| Noninterest income to average assets | 0.2731% | 5,621 |
| Noninterest expense to average assets | 1.6833% | 6,851 |
| Loan and lease loss provision to assets | 0.3719% | 1,761 |
| Net operating income to assets | 1.1413% | 1,909 |
| Return on assets (ROA) | 1.1413% | 2,128 |
| Pretax return on assets | 1.9501% | 759 |
| Return on Equity (ROE) | 10.6634% | 2,108 |
| Retained earnings to average equity (ytd only) | 8.0025% | 1,641 |
| Net charge-offs to loans | 0.0642% | 4,535 |
| Credit loss provision to net charge-offs | 813.9535% | 394 |
| Earnings coverage of net charge-offs (x) | 50.8140% | 721 |
| Efficiency ratio | 42.0271% | 7,020 |
| Assets per employee ($millions) | 7.2296% | 653 |
| Cash dividends to net income (ytd only)* | 24.9534% | 2,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4311% | 4,339 |
| Loan loss allowance to noncurrent loans | 94.7343% | 3,339 |
| Noncurrent assets plus other real estate owned to assets | 1.0799% | 4,221 |
| Noncurrent loans to loans | 1.5106% | 3,640 |
| Net loans and leases to total assets | 70.4657% | 1,831 |
| Net loans and leases to deposits | 88.6704% | 1,298 |
| Net loans and leases to core deposits | 113.9594% | 453 |
| Total domestic deposits to total assets | 79.4693% | 5,867 |
| Equity capital to assets | 10.5912% | 3,576 |
| Core capital (leverage) ratio | 10.7224% | 2,577 |
| Tier 1 risk-based capital ratio | 13.6993% | 4,663 |
| Total risk-based capital ratio | 14.8630% | 4,701 |
| Memoranda: | ||
| Average total assets | $188,200,000 | 3,240 |
| Average earning assets | $177,798,000 | 3,166 |
| Average equity | $20,143,670 | 3,202 |
| Average total loans | $133,885,330 | 2,852 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0818% | 1,631 |
| Cost of funding earning assets | 1.0301% | 1,809 |
| Net interest margin | 4.0517% | 2,298 |
| Noninterest income to average assets | 0.1927% | 6,229 |
| Noninterest expense to average assets | 1.7239% | 6,877 |
| Loan and lease loss provision to assets | 0.4331% | 1,446 |
| Net operating income to assets | 1.0850% | 2,152 |
| Return on assets (ROA) | 1.0850% | 2,336 |
| Pretax return on assets | 1.8603% | 947 |
| Return on Equity (ROE) | 10.0812% | 2,382 |
| Retained earnings to average equity (ytd only) | 7.5861% | 2,134 |
| Net charge-offs to loans | 0.1404% | 3,252 |
| Credit loss provision to net charge-offs | 434.7826% | 740 |
| Earnings coverage of net charge-offs (x) | 23.0217% | 1,105 |
| Efficiency ratio | 42.9111% | 7,028 |
| Assets per employee ($millions) | 7.7133% | 554 |
| Cash dividends to net income (ytd only)* | 24.7505% | 2,224 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4088% | 4,575 |
| Loan loss allowance to noncurrent loans | 80.8417% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 1.2776% | 4,004 |
| Noncurrent loans to loans | 1.7427% | 3,497 |
| Net loans and leases to total assets | 69.7107% | 1,808 |
| Net loans and leases to deposits | 87.2670% | 1,255 |
| Net loans and leases to core deposits | 114.5984% | 411 |
| Total domestic deposits to total assets | 79.8820% | 5,882 |
| Equity capital to assets | 10.8741% | 3,058 |
| Core capital (leverage) ratio | 10.8566% | 2,379 |
| Tier 1 risk-based capital ratio | 14.1564% | 4,352 |
| Total risk-based capital ratio | 15.2197% | 4,456 |
| Memoranda: | ||
| Average total assets | $184,700,000 | 3,305 |
| Average earning assets | $174,346,000 | 3,231 |
| Average equity | $19,878,500 | 3,239 |
| Average total loans | $131,055,000 | 2,925 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4578% | 1,272 |
| Cost of funding earning assets | 1.1570% | 2,304 |
| Net interest margin | 4.3007% | 1,693 |
| Noninterest income to average assets | 0.3307% | 5,172 |
| Noninterest expense to average assets | 1.8193% | 6,935 |
| Loan and lease loss provision to assets | 0.6039% | 1,714 |
| Net operating income to assets | 1.1678% | 1,615 |
| Return on assets (ROA) | 1.1670% | 1,725 |
| Pretax return on assets | 1.9493% | 592 |
| Return on Equity (ROE) | 10.7419% | 1,788 |
| Retained earnings to average equity (ytd only) | 8.1742% | 1,023 |
| Net charge-offs to loans | 0.9124% | 1,903 |
| Credit loss provision to net charge-offs | 88.8325% | 4,064 |
| Earnings coverage of net charge-offs (x) | 3.7572% | 3,402 |
| Efficiency ratio | 41.5965% | 7,176 |
| Assets per employee ($millions) | 7.6784% | 531 |
| Cash dividends to net income (ytd only)* | 23.9034% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2879% | 4,975 |
| Loan loss allowance to noncurrent loans | 129.3037% | 2,443 |
| Noncurrent assets plus other real estate owned to assets | 0.7326% | 5,179 |
| Noncurrent loans to loans | 0.9960% | 4,713 |
| Net loans and leases to total assets | 70.2885% | 1,975 |
| Net loans and leases to deposits | 90.2578% | 1,130 |
| Net loans and leases to core deposits | 124.5208% | 293 |
| Total domestic deposits to total assets | 77.8752% | 6,220 |
| Equity capital to assets | 10.6505% | 3,361 |
| Core capital (leverage) ratio | 10.8446% | 2,398 |
| Tier 1 risk-based capital ratio | 13.7618% | 4,507 |
| Total risk-based capital ratio | 14.8191% | 4,615 |
| Memoranda: | ||
| Average total assets | $173,858,200 | 3,435 |
| Average earning assets | $163,436,800 | 3,341 |
| Average equity | $18,888,600 | 3,297 |
| Average total loans | $129,542,200 | 2,987 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5423% | 1,155 |
| Cost of funding earning assets | 1.1819% | 2,434 |
| Net interest margin | 4.3604% | 1,528 |
| Noninterest income to average assets | 0.3418% | 5,125 |
| Noninterest expense to average assets | 1.8351% | 6,943 |
| Loan and lease loss provision to assets | 0.7007% | 1,373 |
| Net operating income to assets | 1.0995% | 1,970 |
| Return on assets (ROA) | 1.0985% | 2,120 |
| Pretax return on assets | 1.9005% | 779 |
| Return on Equity (ROE) | 10.0582% | 2,175 |
| Retained earnings to average equity (ytd only) | 7.4135% | 1,765 |
| Net charge-offs to loans | 0.8188% | 1,930 |
| Credit loss provision to net charge-offs | 113.4931% | 2,880 |
| Earnings coverage of net charge-offs (x) | 4.2156% | 3,140 |
| Efficiency ratio | 41.3509% | 7,228 |
| Assets per employee ($millions) | 7.2775% | 645 |
| Cash dividends to net income (ytd only)* | 26.2931% | 2,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 4,138 |
| Loan loss allowance to noncurrent loans | 102.3885% | 2,898 |
| Noncurrent assets plus other real estate owned to assets | 1.1073% | 4,563 |
| Noncurrent loans to loans | 1.4574% | 4,112 |
| Net loans and leases to total assets | 72.9102% | 1,528 |
| Net loans and leases to deposits | 94.1163% | 826 |
| Net loans and leases to core deposits | 130.9878% | 240 |
| Total domestic deposits to total assets | 77.4682% | 6,307 |
| Equity capital to assets | 11.0002% | 3,145 |
| Core capital (leverage) ratio | 11.2001% | 2,230 |
| Tier 1 risk-based capital ratio | 13.8560% | 4,448 |
| Total risk-based capital ratio | 15.1074% | 4,410 |
| Memoranda: | ||
| Average total assets | $171,252,250 | 3,495 |
| Average earning assets | $160,867,500 | 3,409 |
| Average equity | $18,704,000 | 3,324 |
| Average total loans | $129,123,000 | 3,026 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5653% | 1,137 |
| Cost of funding earning assets | 1.2095% | 2,510 |
| Net interest margin | 4.3558% | 1,497 |
| Noninterest income to average assets | 0.3551% | 5,047 |
| Noninterest expense to average assets | 1.8282% | 7,048 |
| Loan and lease loss provision to assets | 0.7936% | 1,162 |
| Net operating income to assets | 1.0514% | 2,033 |
| Return on assets (ROA) | 1.0499% | 2,137 |
| Pretax return on assets | 1.8211% | 840 |
| Return on Equity (ROE) | 9.6362% | 2,253 |
| Retained earnings to average equity (ytd only) | 6.8737% | 1,931 |
| Net charge-offs to loans | 0.9204% | 1,690 |
| Credit loss provision to net charge-offs | 113.6364% | 2,695 |
| Earnings coverage of net charge-offs (x) | 3.7475% | 3,062 |
| Efficiency ratio | 41.1267% | 7,317 |
| Assets per employee ($millions) | 7.2842% | 636 |
| Cash dividends to net income (ytd only)* | 28.6674% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4793% | 4,227 |
| Loan loss allowance to noncurrent loans | 92.8293% | 3,089 |
| Noncurrent assets plus other real estate owned to assets | 1.2511% | 4,393 |
| Noncurrent loans to loans | 1.5935% | 4,004 |
| Net loans and leases to total assets | 75.6496% | 1,129 |
| Net loans and leases to deposits | 102.1487% | 382 |
| Net loans and leases to core deposits | 111.5040% | 669 |
| Total domestic deposits to total assets | 74.0583% | 6,840 |
| Equity capital to assets | 11.4160% | 2,582 |
| Core capital (leverage) ratio | 10.9811% | 2,269 |
| Tier 1 risk-based capital ratio | 15.1576% | 3,420 |
| Total risk-based capital ratio | 16.4108% | 3,376 |
| Memoranda: | ||
| Average total assets | $170,116,330 | 3,532 |
| Average earning assets | $159,739,330 | 3,452 |
| Average equity | $18,534,330 | 3,329 |
| Average total loans | $129,072,670 | 3,052 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5619% | 1,149 |
| Cost of funding earning assets | 1.2313% | 2,619 |
| Net interest margin | 4.3306% | 1,465 |
| Noninterest income to average assets | 0.3104% | 5,447 |
| Noninterest expense to average assets | 1.8366% | 7,091 |
| Loan and lease loss provision to assets | 0.8751% | 930 |
| Net operating income to assets | 0.9481% | 2,366 |
| Return on assets (ROA) | 0.9451% | 2,439 |
| Pretax return on assets | 1.6569% | 1,067 |
| Return on Equity (ROE) | 8.8823% | 2,517 |
| Retained earnings to average equity (ytd only) | 6.0751% | 2,597 |
| Net charge-offs to loans | 0.8570% | 1,539 |
| Credit loss provision to net charge-offs | 135.3791% | 2,057 |
| Earnings coverage of net charge-offs (x) | 3.9242% | 2,605 |
| Efficiency ratio | 41.9957% | 7,344 |
| Assets per employee ($millions) | 7.4482% | 601 |
| Cash dividends to net income (ytd only)* | 31.6049% | 1,951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4983% | 4,222 |
| Loan loss allowance to noncurrent loans | 77.3570% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.4757% | 4,038 |
| Noncurrent loans to loans | 1.9369% | 3,654 |
| Net loans and leases to total assets | 73.6809% | 1,394 |
| Net loans and leases to deposits | 97.4424% | 599 |
| Net loans and leases to core deposits | 105.6755% | 955 |
| Total domestic deposits to total assets | 75.6148% | 6,727 |
| Equity capital to assets | 10.7111% | 2,978 |
| Core capital (leverage) ratio | 10.5184% | 2,592 |
| Tier 1 risk-based capital ratio | 14.6165% | 3,666 |
| Total risk-based capital ratio | 15.8712% | 3,620 |
| Memoranda: | ||
| Average total assets | $171,406,000 | 3,533 |
| Average earning assets | $160,808,000 | 3,446 |
| Average equity | $18,238,500 | 3,368 |
| Average total loans | $129,287,000 | 3,078 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8206% | 1,225 |
| Cost of funding earning assets | 1.5283% | 2,489 |
| Net interest margin | 4.2923% | 1,846 |
| Noninterest income to average assets | 0.4751% | 4,348 |
| Noninterest expense to average assets | 1.8631% | 7,207 |
| Loan and lease loss provision to assets | 0.7358% | 2,232 |
| Net operating income to assets | 1.1092% | 1,682 |
| Return on assets (ROA) | 1.1484% | 1,630 |
| Pretax return on assets | 1.9472% | 548 |
| Return on Equity (ROE) | 10.8087% | 1,642 |
| Retained earnings to average equity (ytd only) | 7.9257% | 1,000 |
| Net charge-offs to loans | 0.8016% | 2,633 |
| Credit loss provision to net charge-offs | 118.5866% | 3,582 |
| Earnings coverage of net charge-offs (x) | 4.2256% | 3,011 |
| Efficiency ratio | 41.5428% | 7,475 |
| Assets per employee ($millions) | 7.4567% | 603 |
| Cash dividends to net income (ytd only)* | 26.6736% | 3,190 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3969% | 4,522 |
| Loan loss allowance to noncurrent loans | 31.3976% | 6,207 |
| Noncurrent assets plus other real estate owned to assets | 3.4425% | 2,027 |
| Noncurrent loans to loans | 4.4491% | 1,596 |
| Net loans and leases to total assets | 74.9899% | 1,479 |
| Net loans and leases to deposits | 99.9666% | 580 |
| Net loans and leases to core deposits | 111.5012% | 844 |
| Total domestic deposits to total assets | 75.0150% | 6,770 |
| Equity capital to assets | 10.5701% | 3,089 |
| Core capital (leverage) ratio | 10.4428% | 2,615 |
| Tier 1 risk-based capital ratio | 14.2855% | 3,687 |
| Total risk-based capital ratio | 15.5195% | 3,652 |
| Memoranda: | ||
| Average total assets | $166,492,800 | 3,598 |
| Average earning assets | $155,534,600 | 3,533 |
| Average equity | $17,689,400 | 3,473 |
| Average total loans | $128,869,800 | 3,145 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8594% | 1,232 |
| Cost of funding earning assets | 1.6167% | 2,296 |
| Net interest margin | 4.2427% | 2,060 |
| Noninterest income to average assets | 0.4825% | 4,314 |
| Noninterest expense to average assets | 1.8583% | 7,255 |
| Loan and lease loss provision to assets | 0.6859% | 2,224 |
| Net operating income to assets | 1.0802% | 1,965 |
| Return on assets (ROA) | 1.1329% | 1,899 |
| Pretax return on assets | 1.9761% | 650 |
| Return on Equity (ROE) | 10.6483% | 1,888 |
| Retained earnings to average equity (ytd only) | 7.7511% | 1,501 |
| Net charge-offs to loans | 0.4608% | 3,448 |
| Credit loss provision to net charge-offs | 191.4414% | 1,876 |
| Earnings coverage of net charge-offs (x) | 7.2004% | 2,370 |
| Efficiency ratio | 41.8727% | 7,530 |
| Assets per employee ($millions) | 7.9679% | 514 |
| Cash dividends to net income (ytd only)* | 27.2080% | 2,659 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5653% | 3,680 |
| Loan loss allowance to noncurrent loans | 28.8549% | 6,399 |
| Noncurrent assets plus other real estate owned to assets | 4.2444% | 1,615 |
| Noncurrent loans to loans | 5.4246% | 1,237 |
| Net loans and leases to total assets | 76.5195% | 1,308 |
| Net loans and leases to deposits | 94.0059% | 1,201 |
| Net loans and leases to core deposits | 104.8564% | 1,410 |
| Total domestic deposits to total assets | 81.3986% | 5,237 |
| Equity capital to assets | 10.8961% | 3,057 |
| Core capital (leverage) ratio | 10.7592% | 2,459 |
| Tier 1 risk-based capital ratio | 13.9565% | 3,875 |
| Total risk-based capital ratio | 14.9970% | 3,976 |
| Memoranda: | ||
| Average total assets | $165,240,250 | 3,665 |
| Average earning assets | $154,050,750 | 3,623 |
| Average equity | $17,579,750 | 3,537 |
| Average total loans | $128,479,250 | 3,194 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9188% | 1,138 |
| Cost of funding earning assets | 1.7310% | 1,963 |
| Net interest margin | 4.1878% | 2,190 |
| Noninterest income to average assets | 0.5312% | 3,866 |
| Noninterest expense to average assets | 1.8682% | 7,304 |
| Loan and lease loss provision to assets | 0.6685% | 2,162 |
| Net operating income to assets | 1.0866% | 1,900 |
| Return on assets (ROA) | 1.0866% | 1,971 |
| Pretax return on assets | 1.8937% | 741 |
| Return on Equity (ROE) | 10.2982% | 1,994 |
| Retained earnings to average equity (ytd only) | 7.3723% | 1,683 |
| Net charge-offs to loans | 0.5440% | 2,899 |
| Credit loss provision to net charge-offs | 158.0460% | 2,493 |
| Earnings coverage of net charge-offs (x) | 6.0575% | 2,540 |
| Efficiency ratio | 42.1674% | 7,583 |
| Assets per employee ($millions) | 8.4555% | 421 |
| Cash dividends to net income (ytd only)* | 28.4116% | 2,565 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4324% | 4,275 |
| Loan loss allowance to noncurrent loans | 47.5350% | 5,125 |
| Noncurrent assets plus other real estate owned to assets | 2.4276% | 2,963 |
| Noncurrent loans to loans | 3.0133% | 2,667 |
| Net loans and leases to total assets | 78.4713% | 1,033 |
| Net loans and leases to deposits | 92.5650% | 1,445 |
| Net loans and leases to core deposits | 117.1603% | 799 |
| Total domestic deposits to total assets | 84.7742% | 3,739 |
| Equity capital to assets | 11.0759% | 2,789 |
| Core capital (leverage) ratio | 10.3528% | 2,773 |
| Tier 1 risk-based capital ratio | 13.9126% | 3,789 |
| Total risk-based capital ratio | 14.9207% | 3,918 |
| Memoranda: | ||
| Average total assets | $164,545,000 | 3,697 |
| Average earning assets | $153,207,330 | 3,653 |
| Average equity | $17,362,330 | 3,576 |
| Average total loans | $127,948,000 | 3,235 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7725% | 1,548 |
| Cost of funding earning assets | 1.8305% | 1,747 |
| Net interest margin | 3.9420% | 3,142 |
| Noninterest income to average assets | 0.6559% | 2,900 |
| Noninterest expense to average assets | 1.8596% | 7,398 |
| Loan and lease loss provision to assets | 0.6006% | 2,115 |
| Net operating income to assets | 1.0739% | 1,919 |
| Return on assets (ROA) | 1.0739% | 1,991 |
| Pretax return on assets | 1.8692% | 776 |
| Return on Equity (ROE) | 10.4278% | 1,972 |
| Retained earnings to average equity (ytd only) | 7.4651% | 1,940 |
| Net charge-offs to loans | 0.6251% | 2,258 |
| Credit loss provision to net charge-offs | 125.0000% | 2,808 |
| Earnings coverage of net charge-offs (x) | 5.1400% | 2,458 |
| Efficiency ratio | 42.9523% | 7,651 |
| Assets per employee ($millions) | 8.9301% | 361 |
| Cash dividends to net income (ytd only)* | 28.4116% | 2,055 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3088% | 4,885 |
| Loan loss allowance to noncurrent loans | 80.1144% | 3,397 |
| Noncurrent assets plus other real estate owned to assets | 1.2630% | 4,650 |
| Noncurrent loans to loans | 1.6337% | 4,299 |
| Net loans and leases to total assets | 74.6621% | 1,813 |
| Net loans and leases to deposits | 86.8284% | 2,444 |
| Net loans and leases to core deposits | 113.6857% | 1,054 |
| Total domestic deposits to total assets | 85.9882% | 3,157 |
| Equity capital to assets | 10.2098% | 3,594 |
| Core capital (leverage) ratio | 10.1607% | 2,969 |
| Tier 1 risk-based capital ratio | 13.9956% | 3,656 |
| Total risk-based capital ratio | 14.9535% | 3,817 |
| Memoranda: | ||
| Average total assets | $166,490,000 | 3,723 |
| Average earning assets | $155,150,500 | 3,665 |
| Average equity | $17,146,500 | 3,629 |
| Average total loans | $127,972,000 | 3,301 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1325% | 1,427 |
| Cost of funding earning assets | 2.3526% | 1,448 |
| Net interest margin | 3.7799% | 3,796 |
| Noninterest income to average assets | 0.4490% | 4,818 |
| Noninterest expense to average assets | 1.8324% | 7,581 |
| Loan and lease loss provision to assets | 1.3038% | 1,770 |
| Net operating income to assets | 0.3895% | 4,164 |
| Return on assets (ROA) | 0.3895% | 4,268 |
| Pretax return on assets | 0.7519% | 3,399 |
| Return on Equity (ROE) | 3.7257% | 4,196 |
| Retained earnings to average equity (ytd only) | 0.8293% | 4,435 |
| Net charge-offs to loans | 1.8047% | 1,384 |
| Credit loss provision to net charge-offs | 89.1593% | 6,033 |
| Earnings coverage of net charge-offs (x) | 1.4058% | 4,721 |
| Efficiency ratio | 47.1293% | 7,660 |
| Assets per employee ($millions) | 8.5952% | 400 |
| Cash dividends to net income (ytd only)* | 77.7409% | 1,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2776% | 4,886 |
| Loan loss allowance to noncurrent loans | 127.9435% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 1.1751% | 4,751 |
| Noncurrent loans to loans | 0.9986% | 5,318 |
| Net loans and leases to total assets | 77.1262% | 1,561 |
| Net loans and leases to deposits | 87.8475% | 2,585 |
| Net loans and leases to core deposits | 130.1393% | 1,278 |
| Total domestic deposits to total assets | 87.7955% | 2,076 |
| Equity capital to assets | 10.3913% | 3,294 |
| Core capital (leverage) ratio | 10.2039% | 2,882 |
| Tier 1 risk-based capital ratio | 13.6802% | 3,696 |
| Total risk-based capital ratio | 14.9173% | 3,646 |
| Memoranda: | ||
| Average total assets | $154,549,400 | 3,888 |
| Average earning assets | $140,612,200 | 3,890 |
| Average equity | $16,158,000 | 3,842 |
| Average total loans | $125,230,800 | 3,370 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1326% | 1,550 |
| Cost of funding earning assets | 2.4254% | 1,543 |
| Net interest margin | 3.7072% | 4,037 |
| Noninterest income to average assets | 0.4568% | 4,856 |
| Noninterest expense to average assets | 1.8570% | 7,601 |
| Loan and lease loss provision to assets | 0.6038% | 2,973 |
| Net operating income to assets | 0.7482% | 3,031 |
| Return on assets (ROA) | 0.7482% | 3,089 |
| Pretax return on assets | 1.3520% | 1,818 |
| Return on Equity (ROE) | 7.1449% | 3,001 |
| Retained earnings to average equity (ytd only) | 4.2869% | 2,878 |
| Net charge-offs to loans | 1.4869% | 1,380 |
| Credit loss provision to net charge-offs | 49.6403% | 6,313 |
| Earnings coverage of net charge-offs (x) | 1.6079% | 4,594 |
| Efficiency ratio | 48.7032% | 7,634 |
| Assets per employee ($millions) | 8.0513% | 506 |
| Cash dividends to net income (ytd only)* | 40.0002% | 2,439 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9182% | 6,680 |
| Loan loss allowance to noncurrent loans | 98.3264% | 2,819 |
| Noncurrent assets plus other real estate owned to assets | 1.0129% | 5,050 |
| Noncurrent loans to loans | 0.9338% | 5,427 |
| Net loans and leases to total assets | 78.7401% | 1,440 |
| Net loans and leases to deposits | 90.5192% | 2,475 |
| Net loans and leases to core deposits | 130.8915% | 1,379 |
| Total domestic deposits to total assets | 86.9872% | 2,186 |
| Equity capital to assets | 10.7616% | 3,234 |
| Core capital (leverage) ratio | 10.7512% | 2,606 |
| Tier 1 risk-based capital ratio | 14.0078% | 3,547 |
| Total risk-based capital ratio | 14.9777% | 3,645 |
| Memoranda: | ||
| Average total assets | $152,359,500 | 3,940 |
| Average earning assets | $137,926,000 | 3,969 |
| Average equity | $15,955,000 | 3,922 |
| Average total loans | $124,642,500 | 3,412 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1566% | 1,603 |
| Cost of funding earning assets | 2.5064% | 1,589 |
| Net interest margin | 3.6502% | 4,167 |
| Noninterest income to average assets | 0.4630% | 4,758 |
| Noninterest expense to average assets | 1.9174% | 7,604 |
| Loan and lease loss provision to assets | 0.2609% | 4,489 |
| Net operating income to assets | 0.8590% | 2,616 |
| Return on assets (ROA) | 0.8590% | 2,717 |
| Pretax return on assets | 1.5642% | 1,290 |
| Return on Equity (ROE) | 8.2855% | 2,658 |
| Retained earnings to average equity (ytd only) | 5.5236% | 2,235 |
| Net charge-offs to loans | 1.4571% | 1,298 |
| Credit loss provision to net charge-offs | 21.6667% | 6,110 |
| Earnings coverage of net charge-offs (x) | 1.5156% | 4,397 |
| Efficiency ratio | 51.2335% | 7,573 |
| Assets per employee ($millions) | 8.9273% | 362 |
| Cash dividends to net income (ytd only)* | 33.3333% | 2,709 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9489% | 6,565 |
| Loan loss allowance to noncurrent loans | 43.4298% | 5,468 |
| Noncurrent assets plus other real estate owned to assets | 1.9471% | 3,274 |
| Noncurrent loans to loans | 2.1849% | 3,273 |
| Net loans and leases to total assets | 80.4749% | 1,230 |
| Net loans and leases to deposits | 93.1807% | 2,240 |
| Net loans and leases to core deposits | 135.7203% | 1,229 |
| Total domestic deposits to total assets | 86.3644% | 2,590 |
| Equity capital to assets | 11.1634% | 2,781 |
| Core capital (leverage) ratio | 11.4345% | 2,114 |
| Tier 1 risk-based capital ratio | 14.3195% | 3,342 |
| Total risk-based capital ratio | 15.3127% | 3,421 |
| Memoranda: | ||
| Average total assets | $149,470,670 | 4,000 |
| Average earning assets | $134,294,330 | 4,064 |
| Average equity | $15,497,000 | 4,017 |
| Average total loans | $123,534,330 | 3,462 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0864% | 1,995 |
| Cost of funding earning assets | 2.6118% | 1,522 |
| Net interest margin | 3.4745% | 4,829 |
| Noninterest income to average assets | 0.4423% | 4,855 |
| Noninterest expense to average assets | 1.8122% | 7,685 |
| Loan and lease loss provision to assets | 0.2023% | 4,422 |
| Net operating income to assets | 0.8846% | 2,766 |
| Return on assets (ROA) | 0.8846% | 2,914 |
| Pretax return on assets | 1.5884% | 1,438 |
| Return on Equity (ROE) | 8.8802% | 2,772 |
| Retained earnings to average equity (ytd only) | 6.6601% | 2,342 |
| Net charge-offs to loans | 2.1124% | 684 |
| Credit loss provision to net charge-offs | 11.4855% | 5,181 |
| Earnings coverage of net charge-offs (x) | 1.0168% | 4,263 |
| Efficiency ratio | 50.2994% | 7,569 |
| Assets per employee ($millions) | 8.1728% | 469 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,444 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0592% | 5,756 |
| Loan loss allowance to noncurrent loans | 21,616.6667% | 21 |
| Noncurrent assets plus other real estate owned to assets | 0.2012% | 6,926 |
| Noncurrent loans to loans | 0.0049% | 7,565 |
| Net loans and leases to total assets | 82.3569% | 957 |
| Net loans and leases to deposits | 95.5188% | 2,025 |
| Net loans and leases to core deposits | 139.7981% | 1,109 |
| Total domestic deposits to total assets | 86.2206% | 2,604 |
| Equity capital to assets | 11.2147% | 2,799 |
| Core capital (leverage) ratio | 11.2474% | 2,307 |
| Tier 1 risk-based capital ratio | 14.2933% | 3,437 |
| Total risk-based capital ratio | 15.4041% | 3,429 |
| Memoranda: | ||
| Average total assets | $148,324,000 | 4,037 |
| Average earning assets | $134,924,000 | 4,053 |
| Average equity | $14,774,500 | 4,182 |
| Average total loans | $123,650,500 | 3,488 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7707% | 1,788 |
| Cost of funding earning assets | 3.2592% | 1,027 |
| Net interest margin | 3.5115% | 5,260 |
| Noninterest income to average assets | 0.3697% | 5,743 |
| Noninterest expense to average assets | 1.8559% | 7,680 |
| Loan and lease loss provision to assets | 0.4038% | 3,263 |
| Net operating income to assets | 0.7873% | 3,496 |
| Return on assets (ROA) | 0.6837% | 3,802 |
| Pretax return on assets | 1.2034% | 2,625 |
| Return on Equity (ROE) | 8.5152% | 2,832 |
| Retained earnings to average equity (ytd only) | 5.7877% | 1,625 |
| Net charge-offs to loans | 0.0370% | 6,285 |
| Credit loss provision to net charge-offs | 1,295.2381% | 351 |
| Earnings coverage of net charge-offs (x) | 56.7381% | 697 |
| Efficiency ratio | 51.1980% | 7,575 |
| Assets per employee ($millions) | 7.8704% | 483 |
| Cash dividends to net income (ytd only)* | 32.0304% | 4,029 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5018% | 2,679 |
| Loan loss allowance to noncurrent loans | 210.4377% | 1,862 |
| Noncurrent assets plus other real estate owned to assets | 0.5958% | 5,407 |
| Noncurrent loans to loans | 0.7137% | 5,255 |
| Net loans and leases to total assets | 82.2358% | 1,185 |
| Net loans and leases to deposits | 100.4386% | 1,795 |
| Net loans and leases to core deposits | 130.2777% | 1,832 |
| Total domestic deposits to total assets | 81.8767% | 4,249 |
| Equity capital to assets | 8.7276% | 5,767 |
| Core capital (leverage) ratio | 8.9600% | 4,796 |
| Tier 1 risk-based capital ratio | 11.0265% | 5,704 |
| Total risk-based capital ratio | 12.2699% | 5,610 |
| Memoranda: | ||
| Average total assets | $134,706,200 | 4,194 |
| Average earning assets | $124,876,800 | 4,159 |
| Average equity | $10,816,000 | 5,181 |
| Average total loans | $113,486,400 | 3,597 |