Home > First Commercial Bank > Performance and Condition Ratios
First Commercial 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 | 4.3425% | 2,814 |
| Cost of funding earning assets | 0.8513% | 1,114 |
| Net interest margin | 3.4912% | 3,719 |
| Noninterest income to average assets | 0.5265% | 2,706 |
| Noninterest expense to average assets | 2.2096% | 4,301 |
| Loan and lease loss provision to assets | 0.0805% | 2,343 |
| Net operating income to assets | 1.1716% | 2,356 |
| Return on assets (ROA) | 1.1716% | 2,366 |
| Pretax return on assets | 1.5276% | 1,816 |
| Return on Equity (ROE) | 9.4752% | 2,864 |
| Retained earnings to average equity (ytd only) | 6.3410% | 2,463 |
| Net charge-offs to loans | 0.0507% | 2,108 |
| Credit loss provision to net charge-offs | 232.7586% | 1,240 |
| Earnings coverage of net charge-offs (x) | 46.5008% | 1,230 |
| Efficiency ratio | 57.8791% | 4,145 |
| Assets per employee ($millions) | 4.7145% | 2,828 |
| Cash dividends to net income (ytd only)* | 33.0791% | 2,401 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5493% | 226 |
| Loan loss allowance to noncurrent loans | 29.1239% | 4,761 |
| Noncurrent assets plus other real estate owned to assets | 6.2130% | 51 |
| Noncurrent loans to loans | 8.7534% | 43 |
| Net loans and leases to total assets | 68.0910% | 2,922 |
| Net loans and leases to deposits | 91.0154% | 1,751 |
| Net loans and leases to core deposits | 95.4470% | 2,167 |
| Total domestic deposits to total assets | 74.8127% | 4,907 |
| Equity capital to assets | 13.0213% | 1,329 |
| Core capital (leverage) ratio | 12.2191% | 1,660 |
| Tier 1 risk-based capital ratio | 17.1647% | 2,035 |
| Total risk-based capital ratio | 18.4288% | 1,978 |
| Memoranda: | ||
| Average total assets | $223,619,750 | 2,679 |
| Average earning assets | $210,811,250 | 2,646 |
| Average equity | $27,650,250 | 2,482 |
| Average total loans | $152,394,500 | 2,629 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2959% | 2,772 |
| Cost of funding earning assets | 0.8213% | 1,040 |
| Net interest margin | 3.4746% | 3,718 |
| Noninterest income to average assets | 0.4737% | 3,014 |
| Noninterest expense to average assets | 2.1446% | 4,501 |
| Loan and lease loss provision to assets | 0.0797% | 2,311 |
| Net operating income to assets | 1.2405% | 2,027 |
| Return on assets (ROA) | 1.2405% | 2,023 |
| Pretax return on assets | 1.5274% | 1,721 |
| Return on Equity (ROE) | 10.2062% | 2,470 |
| Retained earnings to average equity (ytd only) | 5.4710% | 2,839 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1631% | 4,338 |
| Assets per employee ($millions) | 4.6237% | 2,936 |
| Cash dividends to net income (ytd only)* | 46.3954% | 1,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4428% | 263 |
| Loan loss allowance to noncurrent loans | 33.5323% | 4,702 |
| Noncurrent assets plus other real estate owned to assets | 5.1333% | 87 |
| Noncurrent loans to loans | 7.2849% | 52 |
| Net loans and leases to total assets | 68.3235% | 2,822 |
| Net loans and leases to deposits | 90.2132% | 1,808 |
| Net loans and leases to core deposits | 94.0574% | 2,216 |
| Total domestic deposits to total assets | 75.7356% | 4,882 |
| Equity capital to assets | 12.2743% | 1,683 |
| Core capital (leverage) ratio | 12.1136% | 1,642 |
| Tier 1 risk-based capital ratio | 16.0449% | 2,422 |
| Total risk-based capital ratio | 17.3080% | 2,357 |
| Memoranda: | ||
| Average total assets | $225,870,670 | 2,671 |
| Average earning assets | $213,087,330 | 2,642 |
| Average equity | $27,454,000 | 2,504 |
| Average total loans | $152,682,670 | 2,637 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9861% | 3,659 |
| Cost of funding earning assets | 0.7987% | 959 |
| Net interest margin | 3.1874% | 4,512 |
| Noninterest income to average assets | 0.5445% | 2,554 |
| Noninterest expense to average assets | 2.0237% | 4,803 |
| Loan and lease loss provision to assets | 0.0798% | 2,185 |
| Net operating income to assets | 1.1121% | 2,370 |
| Return on assets (ROA) | 1.1121% | 2,390 |
| Pretax return on assets | 1.4420% | 1,861 |
| Return on Equity (ROE) | 9.1947% | 2,810 |
| Retained earnings to average equity (ytd only) | -0.3373% | 4,839 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0785% | 4,455 |
| Assets per employee ($millions) | 4.6422% | 2,939 |
| Cash dividends to net income (ytd only)* | 103.6683% | 560 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5746% | 239 |
| Loan loss allowance to noncurrent loans | 28.6323% | 4,827 |
| Noncurrent assets plus other real estate owned to assets | 6.0047% | 67 |
| Noncurrent loans to loans | 8.9918% | 36 |
| Net loans and leases to total assets | 65.0602% | 3,170 |
| Net loans and leases to deposits | 82.0218% | 2,593 |
| Net loans and leases to core deposits | 85.6772% | 2,833 |
| Total domestic deposits to total assets | 79.3206% | 4,525 |
| Equity capital to assets | 12.1566% | 1,683 |
| Core capital (leverage) ratio | 11.7315% | 1,826 |
| Tier 1 risk-based capital ratio | 16.5131% | 2,267 |
| Total risk-based capital ratio | 17.7779% | 2,216 |
| Memoranda: | ||
| Average total assets | $225,525,000 | 2,703 |
| Average earning assets | $212,335,500 | 2,667 |
| Average equity | $27,276,500 | 2,538 |
| Average total loans | $149,688,500 | 2,691 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2385% | 2,543 |
| Cost of funding earning assets | 0.8147% | 573 |
| Net interest margin | 3.4239% | 3,771 |
| Noninterest income to average assets | 0.4550% | 3,277 |
| Noninterest expense to average assets | 2.3051% | 4,316 |
| Loan and lease loss provision to assets | 0.0529% | 3,173 |
| Net operating income to assets | 0.7787% | 3,254 |
| Return on assets (ROA) | 0.7787% | 3,295 |
| Pretax return on assets | 1.3325% | 2,237 |
| Return on Equity (ROE) | 6.5248% | 3,518 |
| Retained earnings to average equity (ytd only) | 4.1233% | 2,695 |
| Net charge-offs to loans | 0.0116% | 3,679 |
| Credit loss provision to net charge-offs | 666.6667% | 487 |
| Earnings coverage of net charge-offs (x) | 174.5556% | 439 |
| Efficiency ratio | 62.4612% | 3,867 |
| Assets per employee ($millions) | 4.7547% | 2,797 |
| Cash dividends to net income (ytd only)* | 36.8063% | 2,997 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5144% | 241 |
| Loan loss allowance to noncurrent loans | 33.8883% | 4,795 |
| Noncurrent assets plus other real estate owned to assets | 4.8952% | 99 |
| Noncurrent loans to loans | 7.4196% | 52 |
| Net loans and leases to total assets | 64.3180% | 3,331 |
| Net loans and leases to deposits | 80.9509% | 2,819 |
| Net loans and leases to core deposits | 84.6261% | 3,014 |
| Total domestic deposits to total assets | 79.4531% | 4,460 |
| Equity capital to assets | 12.0342% | 1,808 |
| Core capital (leverage) ratio | 11.9710% | 1,614 |
| Tier 1 risk-based capital ratio | 16.2506% | 2,344 |
| Total risk-based capital ratio | 17.5139% | 2,279 |
| Memoranda: | ||
| Average total assets | $226,798,800 | 2,665 |
| Average earning assets | $214,318,800 | 2,626 |
| Average equity | $27,065,800 | 2,540 |
| Average total loans | $155,761,400 | 2,592 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2875% | 2,308 |
| Cost of funding earning assets | 0.8237% | 502 |
| Net interest margin | 3.4637% | 3,625 |
| Noninterest income to average assets | 0.3227% | 4,229 |
| Noninterest expense to average assets | 2.0950% | 4,747 |
| Loan and lease loss provision to assets | 0.0530% | 3,045 |
| Net operating income to assets | 0.9309% | 2,878 |
| Return on assets (ROA) | 0.9309% | 2,938 |
| Pretax return on assets | 1.4502% | 1,942 |
| Return on Equity (ROE) | 7.8171% | 3,224 |
| Retained earnings to average equity (ytd only) | 4.6032% | 3,140 |
| Net charge-offs to loans | 0.0102% | 3,367 |
| Credit loss provision to net charge-offs | 750.0000% | 456 |
| Earnings coverage of net charge-offs (x) | 212.7444% | 403 |
| Efficiency ratio | 58.2229% | 4,471 |
| Assets per employee ($millions) | 4.3958% | 3,319 |
| Cash dividends to net income (ytd only)* | 41.1134% | 2,223 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4838% | 272 |
| Loan loss allowance to noncurrent loans | 40.9046% | 4,743 |
| Noncurrent assets plus other real estate owned to assets | 4.2852% | 149 |
| Noncurrent loans to loans | 6.0721% | 101 |
| Net loans and leases to total assets | 68.5728% | 2,764 |
| Net loans and leases to deposits | 88.3543% | 2,009 |
| Net loans and leases to core deposits | 92.8645% | 2,362 |
| Total domestic deposits to total assets | 77.6112% | 4,785 |
| Equity capital to assets | 12.8152% | 1,487 |
| Core capital (leverage) ratio | 12.1244% | 1,615 |
| Tier 1 risk-based capital ratio | 16.2676% | 2,394 |
| Total risk-based capital ratio | 17.5312% | 2,342 |
| Memoranda: | ||
| Average total assets | $226,442,500 | 2,691 |
| Average earning assets | $214,138,000 | 2,646 |
| Average equity | $26,966,000 | 2,565 |
| Average total loans | $157,058,000 | 2,597 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3054% | 2,105 |
| Cost of funding earning assets | 0.8308% | 444 |
| Net interest margin | 3.4746% | 3,491 |
| Noninterest income to average assets | 0.3259% | 4,218 |
| Noninterest expense to average assets | 2.0641% | 4,843 |
| Loan and lease loss provision to assets | 0.0521% | 2,941 |
| Net operating income to assets | 0.9777% | 2,535 |
| Return on assets (ROA) | 0.9777% | 2,583 |
| Pretax return on assets | 1.4992% | 1,640 |
| Return on Equity (ROE) | 8.4101% | 2,823 |
| Retained earnings to average equity (ytd only) | 3.5509% | 3,595 |
| Net charge-offs to loans | 0.0050% | 3,289 |
| Credit loss provision to net charge-offs | 1,500.0000% | 273 |
| Earnings coverage of net charge-offs (x) | 446.2500% | 190 |
| Efficiency ratio | 57.0913% | 4,696 |
| Assets per employee ($millions) | 4.4974% | 3,111 |
| Cash dividends to net income (ytd only)* | 57.7778% | 1,586 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5692% | 262 |
| Loan loss allowance to noncurrent loans | 42.8163% | 4,745 |
| Noncurrent assets plus other real estate owned to assets | 3.9638% | 174 |
| Noncurrent loans to loans | 6.0006% | 103 |
| Net loans and leases to total assets | 64.3589% | 3,338 |
| Net loans and leases to deposits | 82.3515% | 2,666 |
| Net loans and leases to core deposits | 86.4126% | 2,838 |
| Total domestic deposits to total assets | 78.1515% | 4,789 |
| Equity capital to assets | 12.3400% | 1,703 |
| Core capital (leverage) ratio | 11.3194% | 2,111 |
| Tier 1 risk-based capital ratio | 16.4424% | 2,343 |
| Total risk-based capital ratio | 17.7065% | 2,287 |
| Memoranda: | ||
| Average total assets | $230,125,670 | 2,680 |
| Average earning assets | $217,866,330 | 2,629 |
| Average equity | $26,753,670 | 2,579 |
| Average total loans | $158,923,000 | 2,580 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4679% | 1,451 |
| Cost of funding earning assets | 0.8253% | 428 |
| Net interest margin | 3.6426% | 2,724 |
| Noninterest income to average assets | 0.2706% | 4,604 |
| Noninterest expense to average assets | 2.0170% | 5,013 |
| Loan and lease loss provision to assets | 0.0511% | 2,787 |
| Net operating income to assets | 1.0008% | 2,295 |
| Return on assets (ROA) | 1.0008% | 2,347 |
| Pretax return on assets | 1.6510% | 1,123 |
| Return on Equity (ROE) | 8.8643% | 2,478 |
| Retained earnings to average equity (ytd only) | -0.9347% | 5,052 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.2334% | 5,103 |
| Assets per employee ($millions) | 4.9916% | 2,459 |
| Cash dividends to net income (ytd only)* | 110.5442% | 610 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3720% | 365 |
| Loan loss allowance to noncurrent loans | 58.0106% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 2.7297% | 391 |
| Noncurrent loans to loans | 4.0890% | 247 |
| Net loans and leases to total assets | 65.1735% | 3,091 |
| Net loans and leases to deposits | 85.3371% | 2,108 |
| Net loans and leases to core deposits | 89.0896% | 2,449 |
| Total domestic deposits to total assets | 76.3719% | 5,193 |
| Equity capital to assets | 11.3070% | 2,347 |
| Core capital (leverage) ratio | 10.8923% | 2,488 |
| Tier 1 risk-based capital ratio | 14.9318% | 2,998 |
| Total risk-based capital ratio | 16.1933% | 2,921 |
| Memoranda: | ||
| Average total assets | $235,002,500 | 2,656 |
| Average earning assets | $222,477,500 | 2,624 |
| Average equity | $26,533,500 | 2,602 |
| Average total loans | $165,600,000 | 2,507 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5197% | 1,481 |
| Cost of funding earning assets | 0.8243% | 446 |
| Net interest margin | 3.6954% | 2,711 |
| Noninterest income to average assets | 0.3819% | 4,022 |
| Noninterest expense to average assets | 2.1563% | 4,872 |
| Loan and lease loss provision to assets | 0.0529% | 3,327 |
| Net operating income to assets | 1.0830% | 1,970 |
| Return on assets (ROA) | 1.1213% | 1,900 |
| Pretax return on assets | 1.7401% | 915 |
| Return on Equity (ROE) | 9.9621% | 1,973 |
| Retained earnings to average equity (ytd only) | 7.4562% | 1,054 |
| Net charge-offs to loans | 0.0006% | 4,270 |
| Credit loss provision to net charge-offs | 12,200.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 3,994.0000% | 9 |
| Efficiency ratio | 55.4390% | 5,114 |
| Assets per employee ($millions) | 5.1174% | 2,272 |
| Cash dividends to net income (ytd only)* | 25.1548% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1102% | 541 |
| Loan loss allowance to noncurrent loans | 35.2031% | 5,002 |
| Noncurrent assets plus other real estate owned to assets | 4.4456% | 159 |
| Noncurrent loans to loans | 5.9942% | 100 |
| Net loans and leases to total assets | 72.6001% | 2,078 |
| Net loans and leases to deposits | 94.9745% | 1,094 |
| Net loans and leases to core deposits | 99.1242% | 1,696 |
| Total domestic deposits to total assets | 76.4417% | 5,190 |
| Equity capital to assets | 11.2745% | 2,350 |
| Core capital (leverage) ratio | 10.9644% | 2,377 |
| Tier 1 risk-based capital ratio | 13.7285% | 3,626 |
| Total risk-based capital ratio | 14.9880% | 3,524 |
| Memoranda: | ||
| Average total assets | $230,443,800 | 2,665 |
| Average earning assets | $218,729,200 | 2,613 |
| Average equity | $25,938,200 | 2,639 |
| Average total loans | $176,581,000 | 2,345 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6135% | 1,267 |
| Cost of funding earning assets | 0.8232% | 442 |
| Net interest margin | 3.7903% | 2,368 |
| Noninterest income to average assets | 0.3013% | 4,614 |
| Noninterest expense to average assets | 2.0267% | 5,148 |
| Loan and lease loss provision to assets | 0.0529% | 3,199 |
| Net operating income to assets | 1.1632% | 1,758 |
| Return on assets (ROA) | 1.2146% | 1,689 |
| Pretax return on assets | 1.9045% | 699 |
| Return on Equity (ROE) | 10.7956% | 1,752 |
| Retained earnings to average equity (ytd only) | 7.4349% | 1,426 |
| Net charge-offs to loans | 0.0008% | 3,930 |
| Credit loss provision to net charge-offs | 9,100.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 3,235.0075% | 15 |
| Efficiency ratio | 51.9148% | 5,393 |
| Assets per employee ($millions) | 5.0345% | 2,331 |
| Cash dividends to net income (ytd only)* | 31.1305% | 2,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9960% | 735 |
| Loan loss allowance to noncurrent loans | 60.6911% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 2.6060% | 511 |
| Noncurrent loans to loans | 3.2887% | 422 |
| Net loans and leases to total assets | 77.4510% | 1,291 |
| Net loans and leases to deposits | 107.0261% | 341 |
| Net loans and leases to core deposits | 113.8471% | 727 |
| Total domestic deposits to total assets | 72.3665% | 5,576 |
| Equity capital to assets | 11.5236% | 2,492 |
| Core capital (leverage) ratio | 10.7249% | 2,755 |
| Tier 1 risk-based capital ratio | 13.1106% | 4,095 |
| Total risk-based capital ratio | 14.3693% | 3,995 |
| Memoranda: | ||
| Average total assets | $229,205,000 | 2,679 |
| Average earning assets | $217,850,250 | 2,627 |
| Average equity | $25,787,750 | 2,675 |
| Average total loans | $177,080,250 | 2,344 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6534% | 1,157 |
| Cost of funding earning assets | 0.8192% | 442 |
| Net interest margin | 3.8342% | 2,195 |
| Noninterest income to average assets | 0.3100% | 4,558 |
| Noninterest expense to average assets | 2.0568% | 5,155 |
| Loan and lease loss provision to assets | 0.0517% | 3,113 |
| Net operating income to assets | 1.1681% | 1,710 |
| Return on assets (ROA) | 1.1681% | 1,809 |
| Pretax return on assets | 1.8449% | 796 |
| Return on Equity (ROE) | 10.4677% | 1,865 |
| Retained earnings to average equity (ytd only) | 5.3672% | 2,506 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0266% | 5,441 |
| Assets per employee ($millions) | 4.6833% | 2,745 |
| Cash dividends to net income (ytd only)* | 48.7256% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9932% | 748 |
| Loan loss allowance to noncurrent loans | 159.0250% | 2,750 |
| Noncurrent assets plus other real estate owned to assets | 0.9992% | 2,142 |
| Noncurrent loans to loans | 1.2534% | 1,830 |
| Net loans and leases to total assets | 77.5855% | 1,250 |
| Net loans and leases to deposits | 103.9655% | 462 |
| Net loans and leases to core deposits | 110.1996% | 925 |
| Total domestic deposits to total assets | 74.6262% | 5,456 |
| Equity capital to assets | 11.3887% | 2,655 |
| Core capital (leverage) ratio | 10.5598% | 2,897 |
| Tier 1 risk-based capital ratio | 12.8445% | 4,287 |
| Total risk-based capital ratio | 14.1031% | 4,196 |
| Memoranda: | ||
| Average total assets | $228,411,670 | 2,694 |
| Average earning assets | $217,046,670 | 2,648 |
| Average equity | $25,488,000 | 2,706 |
| Average total loans | $175,101,000 | 2,360 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6518% | 1,144 |
| Cost of funding earning assets | 0.8182% | 444 |
| Net interest margin | 3.8336% | 2,161 |
| Noninterest income to average assets | 0.2598% | 4,876 |
| Noninterest expense to average assets | 2.0643% | 5,191 |
| Loan and lease loss provision to assets | 0.0509% | 2,905 |
| Net operating income to assets | 1.1392% | 1,752 |
| Return on assets (ROA) | 1.1392% | 1,870 |
| Pretax return on assets | 1.7799% | 879 |
| Return on Equity (ROE) | 10.3161% | 1,847 |
| Retained earnings to average equity (ytd only) | -0.0159% | 5,112 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9968% | 5,453 |
| Assets per employee ($millions) | 4.7231% | 2,709 |
| Cash dividends to net income (ytd only)* | 100.1541% | 706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0181% | 793 |
| Loan loss allowance to noncurrent loans | 165.6063% | 2,564 |
| Noncurrent assets plus other real estate owned to assets | 0.9638% | 2,302 |
| Noncurrent loans to loans | 1.2186% | 1,986 |
| Net loans and leases to total assets | 76.9265% | 1,260 |
| Net loans and leases to deposits | 101.6761% | 520 |
| Net loans and leases to core deposits | 107.7468% | 981 |
| Total domestic deposits to total assets | 75.6583% | 5,454 |
| Equity capital to assets | 11.1539% | 2,766 |
| Core capital (leverage) ratio | 10.2872% | 3,211 |
| Tier 1 risk-based capital ratio | 12.7310% | 4,442 |
| Total risk-based capital ratio | 13.9901% | 4,339 |
| Memoranda: | ||
| Average total assets | $227,877,000 | 2,711 |
| Average earning assets | $216,087,500 | 2,665 |
| Average equity | $25,164,500 | 2,731 |
| Average total loans | $171,819,000 | 2,388 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5287% | 1,510 |
| Cost of funding earning assets | 0.7752% | 559 |
| Net interest margin | 3.7534% | 2,542 |
| Noninterest income to average assets | 0.3334% | 4,514 |
| Noninterest expense to average assets | 2.1607% | 5,129 |
| Loan and lease loss provision to assets | 0.0103% | 4,199 |
| Net operating income to assets | 1.1006% | 1,926 |
| Return on assets (ROA) | 1.1006% | 1,996 |
| Pretax return on assets | 1.6913% | 1,017 |
| Return on Equity (ROE) | 10.3136% | 1,878 |
| Retained earnings to average equity (ytd only) | 7.5984% | 1,067 |
| Net charge-offs to loans | 0.0347% | 3,514 |
| Credit loss provision to net charge-offs | 42.5926% | 3,500 |
| Earnings coverage of net charge-offs (x) | 70.6852% | 762 |
| Efficiency ratio | 55.9441% | 5,350 |
| Assets per employee ($millions) | 4.7718% | 2,645 |
| Cash dividends to net income (ytd only)* | 26.3264% | 3,517 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1504% | 637 |
| Loan loss allowance to noncurrent loans | 163.9963% | 2,636 |
| Noncurrent assets plus other real estate owned to assets | 0.9640% | 2,265 |
| Noncurrent loans to loans | 1.3112% | 1,800 |
| Net loans and leases to total assets | 70.7654% | 2,254 |
| Net loans and leases to deposits | 91.9438% | 1,410 |
| Net loans and leases to core deposits | 97.3711% | 1,726 |
| Total domestic deposits to total assets | 76.9660% | 5,318 |
| Equity capital to assets | 10.9333% | 2,893 |
| Core capital (leverage) ratio | 10.3310% | 3,123 |
| Tier 1 risk-based capital ratio | 13.3882% | 4,060 |
| Total risk-based capital ratio | 14.6477% | 4,001 |
| Memoranda: | ||
| Average total assets | $224,327,200 | 2,711 |
| Average earning assets | $210,901,000 | 2,670 |
| Average equity | $23,939,200 | 2,791 |
| Average total loans | $155,840,800 | 2,519 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4866% | 1,631 |
| Cost of funding earning assets | 0.7635% | 608 |
| Net interest margin | 3.7231% | 2,671 |
| Noninterest income to average assets | 0.2121% | 5,377 |
| Noninterest expense to average assets | 2.0010% | 5,475 |
| Loan and lease loss provision to assets | 0.0042% | 4,175 |
| Net operating income to assets | 1.0952% | 2,029 |
| Return on assets (ROA) | 1.0952% | 2,112 |
| Pretax return on assets | 1.7035% | 1,094 |
| Return on Equity (ROE) | 10.3279% | 1,958 |
| Retained earnings to average equity (ytd only) | 6.6655% | 1,854 |
| Net charge-offs to loans | 0.0269% | 3,404 |
| Credit loss provision to net charge-offs | 22.5806% | 3,343 |
| Earnings coverage of net charge-offs (x) | 92.1986% | 669 |
| Efficiency ratio | 53.9552% | 5,519 |
| Assets per employee ($millions) | 4.7060% | 2,693 |
| Cash dividends to net income (ytd only)* | 35.4612% | 2,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1036% | 772 |
| Loan loss allowance to noncurrent loans | 117.5560% | 3,318 |
| Noncurrent assets plus other real estate owned to assets | 1.3848% | 1,660 |
| Noncurrent loans to loans | 1.7895% | 1,330 |
| Net loans and leases to total assets | 75.0925% | 1,531 |
| Net loans and leases to deposits | 99.4730% | 698 |
| Net loans and leases to core deposits | 105.8646% | 1,106 |
| Total domestic deposits to total assets | 75.4903% | 5,571 |
| Equity capital to assets | 11.1094% | 2,895 |
| Core capital (leverage) ratio | 10.4492% | 3,102 |
| Tier 1 risk-based capital ratio | 12.8857% | 4,496 |
| Total risk-based capital ratio | 14.1451% | 4,415 |
| Memoranda: | ||
| Average total assets | $223,148,000 | 2,746 |
| Average earning assets | $209,568,500 | 2,703 |
| Average equity | $23,663,500 | 2,836 |
| Average total loans | $153,389,500 | 2,561 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4134% | 1,813 |
| Cost of funding earning assets | 0.7851% | 540 |
| Net interest margin | 3.6283% | 2,982 |
| Noninterest income to average assets | 0.1895% | 5,552 |
| Noninterest expense to average assets | 1.9714% | 5,586 |
| Loan and lease loss provision to assets | 0.0036% | 4,014 |
| Net operating income to assets | 1.0366% | 2,195 |
| Return on assets (ROA) | 1.0366% | 2,313 |
| Pretax return on assets | 1.6094% | 1,305 |
| Return on Equity (ROE) | 9.9312% | 2,107 |
| Retained earnings to average equity (ytd only) | 4.3663% | 3,239 |
| Net charge-offs to loans | 0.0351% | 2,968 |
| Credit loss provision to net charge-offs | 15.3846% | 3,059 |
| Earnings coverage of net charge-offs (x) | 69.4231% | 777 |
| Efficiency ratio | 54.9988% | 5,509 |
| Assets per employee ($millions) | 4.4274% | 3,101 |
| Cash dividends to net income (ytd only)* | 56.0345% | 1,697 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2284% | 708 |
| Loan loss allowance to noncurrent loans | 185.1218% | 2,375 |
| Noncurrent assets plus other real estate owned to assets | 1.1425% | 2,226 |
| Noncurrent loans to loans | 1.2038% | 2,252 |
| Net loans and leases to total assets | 73.7243% | 1,706 |
| Net loans and leases to deposits | 94.5631% | 1,096 |
| Net loans and leases to core deposits | 100.3214% | 1,467 |
| Total domestic deposits to total assets | 77.9631% | 5,290 |
| Equity capital to assets | 11.1281% | 2,746 |
| Core capital (leverage) ratio | 10.1911% | 3,346 |
| Tier 1 risk-based capital ratio | 13.1964% | 4,396 |
| Total risk-based capital ratio | 14.4572% | 4,318 |
| Memoranda: | ||
| Average total assets | $223,803,330 | 2,757 |
| Average earning assets | $209,408,670 | 2,717 |
| Average equity | $23,360,670 | 2,880 |
| Average total loans | $147,966,000 | 2,649 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2948% | 2,113 |
| Cost of funding earning assets | 0.8170% | 455 |
| Net interest margin | 3.4778% | 3,518 |
| Noninterest income to average assets | 0.0784% | 6,153 |
| Noninterest expense to average assets | 1.8392% | 5,839 |
| Loan and lease loss provision to assets | 0.0017% | 3,690 |
| Net operating income to assets | 0.9431% | 2,545 |
| Return on assets (ROA) | 0.9431% | 2,673 |
| Pretax return on assets | 1.4731% | 1,649 |
| Return on Equity (ROE) | 9.3210% | 2,302 |
| Retained earnings to average equity (ytd only) | -1.8780% | 5,679 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.4971% | 5,557 |
| Assets per employee ($millions) | 4.8841% | 2,513 |
| Cash dividends to net income (ytd only)* | 120.1479% | 519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3569% | 656 |
| Loan loss allowance to noncurrent loans | 295.8025% | 1,613 |
| Noncurrent assets plus other real estate owned to assets | 0.7874% | 3,142 |
| Noncurrent loans to loans | 0.7968% | 3,252 |
| Net loans and leases to total assets | 66.2728% | 2,730 |
| Net loans and leases to deposits | 83.4043% | 2,153 |
| Net loans and leases to core deposits | 88.5442% | 2,265 |
| Total domestic deposits to total assets | 79.4597% | 5,183 |
| Equity capital to assets | 10.4344% | 3,608 |
| Core capital (leverage) ratio | 9.4139% | 4,409 |
| Tier 1 risk-based capital ratio | 13.3719% | 4,382 |
| Total risk-based capital ratio | 14.6339% | 4,300 |
| Memoranda: | ||
| Average total assets | $229,447,000 | 2,729 |
| Average earning assets | $213,466,000 | 2,698 |
| Average equity | $23,216,500 | 2,915 |
| Average total loans | $141,825,500 | 2,735 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6187% | 1,506 |
| Cost of funding earning assets | 0.9661% | 267 |
| Net interest margin | 3.6526% | 3,209 |
| Noninterest income to average assets | 0.3812% | 4,335 |
| Noninterest expense to average assets | 2.1347% | 5,495 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.0382% | 2,221 |
| Return on assets (ROA) | 1.0452% | 2,259 |
| Pretax return on assets | 1.5328% | 1,432 |
| Return on Equity (ROE) | 10.4205% | 1,945 |
| Retained earnings to average equity (ytd only) | 10.4205% | 455 |
| Net charge-offs to loans | 0.0385% | 4,056 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 65.2600% | 744 |
| Efficiency ratio | 58.3695% | 5,423 |
| Assets per employee ($millions) | 5.0918% | 2,205 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7394% | 406 |
| Loan loss allowance to noncurrent loans | 326.9336% | 1,516 |
| Noncurrent assets plus other real estate owned to assets | 0.8705% | 3,034 |
| Noncurrent loans to loans | 0.8379% | 3,217 |
| Net loans and leases to total assets | 54.4645% | 4,518 |
| Net loans and leases to deposits | 67.7679% | 4,147 |
| Net loans and leases to core deposits | 71.7083% | 4,159 |
| Total domestic deposits to total assets | 80.3692% | 4,921 |
| Equity capital to assets | 9.8154% | 4,330 |
| Core capital (leverage) ratio | 9.8736% | 3,747 |
| Tier 1 risk-based capital ratio | 15.2634% | 3,335 |
| Total risk-based capital ratio | 16.5300% | 3,279 |
| Memoranda: | ||
| Average total assets | $214,313,600 | 2,839 |
| Average earning assets | $192,218,400 | 2,885 |
| Average equity | $21,496,000 | 2,998 |
| Average total loans | $129,787,200 | 2,873 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5302% | 1,766 |
| Cost of funding earning assets | 0.9479% | 310 |
| Net interest margin | 3.5823% | 3,497 |
| Noninterest income to average assets | 0.3726% | 4,447 |
| Noninterest expense to average assets | 2.1178% | 5,530 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0375% | 2,292 |
| Return on assets (ROA) | 1.0363% | 2,357 |
| Pretax return on assets | 1.6012% | 1,319 |
| Return on Equity (ROE) | 10.2700% | 2,081 |
| Retained earnings to average equity (ytd only) | 10.2700% | 640 |
| Net charge-offs to loans | 0.0155% | 4,238 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 167.7960% | 372 |
| Efficiency ratio | 56.9154% | 5,570 |
| Assets per employee ($millions) | 4.4838% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7518% | 464 |
| Loan loss allowance to noncurrent loans | 209.5266% | 2,076 |
| Noncurrent assets plus other real estate owned to assets | 1.2679% | 2,426 |
| Noncurrent loans to loans | 1.3133% | 2,458 |
| Net loans and leases to total assets | 60.8571% | 3,648 |
| Net loans and leases to deposits | 74.2079% | 3,411 |
| Net loans and leases to core deposits | 79.3188% | 3,398 |
| Total domestic deposits to total assets | 82.0089% | 4,473 |
| Equity capital to assets | 10.5904% | 3,442 |
| Core capital (leverage) ratio | 9.9598% | 3,736 |
| Tier 1 risk-based capital ratio | 14.4686% | 3,905 |
| Total risk-based capital ratio | 15.7346% | 3,834 |
| Memoranda: | ||
| Average total assets | $209,336,000 | 2,907 |
| Average earning assets | $195,658,250 | 2,877 |
| Average equity | $21,122,500 | 3,049 |
| Average total loans | $129,443,500 | 2,883 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4031% | 2,168 |
| Cost of funding earning assets | 0.9438% | 325 |
| Net interest margin | 3.4593% | 3,940 |
| Noninterest income to average assets | 0.2863% | 5,134 |
| Noninterest expense to average assets | 2.1257% | 5,570 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9298% | 2,660 |
| Return on assets (ROA) | 0.9279% | 2,773 |
| Pretax return on assets | 1.3865% | 1,943 |
| Return on Equity (ROE) | 9.3515% | 2,437 |
| Retained earnings to average equity (ytd only) | 9.3515% | 867 |
| Net charge-offs to loans | 0.0233% | 3,734 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 96.7333% | 565 |
| Efficiency ratio | 60.4740% | 5,226 |
| Assets per employee ($millions) | 4.6163% | 2,748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7781% | 480 |
| Loan loss allowance to noncurrent loans | 107.2738% | 3,479 |
| Noncurrent assets plus other real estate owned to assets | 2.0805% | 1,511 |
| Noncurrent loans to loans | 2.5897% | 1,191 |
| Net loans and leases to total assets | 61.1190% | 3,551 |
| Net loans and leases to deposits | 76.2154% | 3,029 |
| Net loans and leases to core deposits | 81.6437% | 3,012 |
| Total domestic deposits to total assets | 80.1925% | 5,197 |
| Equity capital to assets | 10.4383% | 3,518 |
| Core capital (leverage) ratio | 9.8622% | 3,795 |
| Tier 1 risk-based capital ratio | 14.2587% | 4,095 |
| Total risk-based capital ratio | 15.5214% | 4,019 |
| Memoranda: | ||
| Average total assets | $208,868,670 | 2,930 |
| Average earning assets | $194,952,670 | 2,897 |
| Average equity | $20,724,000 | 3,094 |
| Average total loans | $128,632,000 | 2,888 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3714% | 2,264 |
| Cost of funding earning assets | 0.9397% | 361 |
| Net interest margin | 3.4318% | 3,978 |
| Noninterest income to average assets | 0.1929% | 5,805 |
| Noninterest expense to average assets | 2.1162% | 5,650 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.8448% | 2,929 |
| Return on assets (ROA) | 0.8423% | 3,015 |
| Pretax return on assets | 1.2605% | 2,247 |
| Return on Equity (ROE) | 8.7137% | 2,592 |
| Retained earnings to average equity (ytd only) | 8.7137% | 1,342 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.5989% | 5,048 |
| Assets per employee ($millions) | 4.7520% | 2,596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8227% | 524 |
| Loan loss allowance to noncurrent loans | 101.9016% | 3,566 |
| Noncurrent assets plus other real estate owned to assets | 2.1972% | 1,506 |
| Noncurrent loans to loans | 2.7701% | 1,213 |
| Net loans and leases to total assets | 59.9992% | 3,562 |
| Net loans and leases to deposits | 71.9220% | 3,348 |
| Net loans and leases to core deposits | 76.6308% | 3,349 |
| Total domestic deposits to total assets | 83.4226% | 4,474 |
| Equity capital to assets | 9.8725% | 3,989 |
| Core capital (leverage) ratio | 9.5307% | 4,238 |
| Tier 1 risk-based capital ratio | 13.9318% | 4,368 |
| Total risk-based capital ratio | 15.1981% | 4,307 |
| Memoranda: | ||
| Average total assets | $209,436,000 | 2,941 |
| Average earning assets | $194,535,500 | 2,910 |
| Average equity | $20,244,000 | 3,143 |
| Average total loans | $127,651,500 | 2,911 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5118% | 2,163 |
| Cost of funding earning assets | 1.0375% | 380 |
| Net interest margin | 3.4743% | 4,008 |
| Noninterest income to average assets | -0.3332% | 6,780 |
| Noninterest expense to average assets | 2.3043% | 5,374 |
| Loan and lease loss provision to assets | -0.3148% | 6,681 |
| Net operating income to assets | 0.5424% | 4,547 |
| Return on assets (ROA) | 0.5424% | 4,668 |
| Pretax return on assets | 0.7943% | 4,166 |
| Return on Equity (ROE) | 5.4372% | 4,433 |
| Retained earnings to average equity (ytd only) | 2.2817% | 4,622 |
| Net charge-offs to loans | 0.0850% | 4,021 |
| Credit loss provision to net charge-offs | -601.8519% | 6,167 |
| Earnings coverage of net charge-offs (x) | 9.1667% | 2,546 |
| Efficiency ratio | 82.7766% | 1,778 |
| Assets per employee ($millions) | 4.8787% | 2,337 |
| Cash dividends to net income (ytd only)* | 58.0357% | 1,864 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8865% | 533 |
| Loan loss allowance to noncurrent loans | 105.1674% | 3,497 |
| Noncurrent assets plus other real estate owned to assets | 2.1365% | 1,669 |
| Noncurrent loans to loans | 2.7447% | 1,307 |
| Net loans and leases to total assets | 58.4243% | 3,964 |
| Net loans and leases to deposits | 69.9306% | 3,792 |
| Net loans and leases to core deposits | 76.2174% | 3,584 |
| Total domestic deposits to total assets | 83.5461% | 4,340 |
| Equity capital to assets | 9.4601% | 4,485 |
| Core capital (leverage) ratio | 9.6043% | 4,109 |
| Tier 1 risk-based capital ratio | 13.8300% | 4,410 |
| Total risk-based capital ratio | 15.0928% | 4,353 |
| Memoranda: | ||
| Average total assets | $206,481,200 | 2,956 |
| Average earning assets | $185,246,200 | 3,020 |
| Average equity | $20,598,800 | 3,090 |
| Average total loans | $127,057,600 | 2,902 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5526% | 2,033 |
| Cost of funding earning assets | 0.9640% | 593 |
| Net interest margin | 3.5886% | 3,498 |
| Noninterest income to average assets | -0.6373% | 6,872 |
| Noninterest expense to average assets | 2.1725% | 5,673 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.2762% | 5,687 |
| Return on assets (ROA) | 0.2762% | 5,796 |
| Pretax return on assets | 0.3858% | 5,662 |
| Return on Equity (ROE) | 2.7324% | 5,699 |
| Retained earnings to average equity (ytd only) | 2.7324% | 4,684 |
| Net charge-offs to loans | 0.1121% | 3,422 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 5.5608% | 3,163 |
| Efficiency ratio | 84.9214% | 1,485 |
| Assets per employee ($millions) | 4.8668% | 2,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3746% | 381 |
| Loan loss allowance to noncurrent loans | 508.1657% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.9382% | 3,793 |
| Noncurrent loans to loans | 0.6641% | 4,540 |
| Net loans and leases to total assets | 61.6167% | 3,436 |
| Net loans and leases to deposits | 74.2986% | 3,192 |
| Net loans and leases to core deposits | 79.5175% | 3,175 |
| Total domestic deposits to total assets | 82.9312% | 4,601 |
| Equity capital to assets | 9.9333% | 4,000 |
| Core capital (leverage) ratio | 9.7885% | 3,976 |
| Tier 1 risk-based capital ratio | 14.0274% | 4,408 |
| Total risk-based capital ratio | 15.3003% | 4,335 |
| Memoranda: | ||
| Average total assets | $205,655,000 | 2,981 |
| Average earning assets | $183,129,250 | 3,067 |
| Average equity | $20,787,000 | 3,098 |
| Average total loans | $127,269,750 | 2,924 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5158% | 2,138 |
| Cost of funding earning assets | 0.9699% | 643 |
| Net interest margin | 3.5458% | 3,582 |
| Noninterest income to average assets | 0.3255% | 5,099 |
| Noninterest expense to average assets | 2.1628% | 5,720 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.8464% | 3,062 |
| Return on assets (ROA) | 0.8464% | 3,215 |
| Pretax return on assets | 1.3029% | 2,291 |
| Return on Equity (ROE) | 8.3282% | 2,930 |
| Retained earnings to average equity (ytd only) | 8.3282% | 1,356 |
| Net charge-offs to loans | 0.1336% | 3,042 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 15.9176% | 1,695 |
| Efficiency ratio | 62.4062% | 5,111 |
| Assets per employee ($millions) | 4.8648% | 2,278 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3744% | 410 |
| Loan loss allowance to noncurrent loans | 316.8869% | 1,336 |
| Noncurrent assets plus other real estate owned to assets | 6.4084% | 399 |
| Noncurrent loans to loans | 1.0649% | 3,795 |
| Net loans and leases to total assets | 61.9624% | 3,290 |
| Net loans and leases to deposits | 75.0188% | 3,006 |
| Net loans and leases to core deposits | 80.9952% | 2,913 |
| Total domestic deposits to total assets | 82.5958% | 4,857 |
| Equity capital to assets | 10.5767% | 3,197 |
| Core capital (leverage) ratio | 9.6869% | 3,954 |
| Tier 1 risk-based capital ratio | 13.3687% | 4,865 |
| Total risk-based capital ratio | 14.6377% | 4,803 |
| Memoranda: | ||
| Average total assets | $207,693,330 | 2,972 |
| Average earning assets | $183,933,670 | 3,063 |
| Average equity | $21,109,000 | 3,084 |
| Average total loans | $127,278,330 | 2,932 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3371% | 2,734 |
| Cost of funding earning assets | 0.9584% | 755 |
| Net interest margin | 3.3787% | 4,200 |
| Noninterest income to average assets | 0.2927% | 5,369 |
| Noninterest expense to average assets | 1.9281% | 6,238 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.8838% | 2,729 |
| Return on assets (ROA) | 0.8838% | 2,873 |
| Pretax return on assets | 1.3673% | 1,986 |
| Return on Equity (ROE) | 8.8655% | 2,545 |
| Retained earnings to average equity (ytd only) | 8.8655% | 1,428 |
| Net charge-offs to loans | 0.0189% | 3,780 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 120.6667% | 317 |
| Efficiency ratio | 58.5100% | 5,780 |
| Assets per employee ($millions) | 5.1117% | 2,082 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4820% | 421 |
| Loan loss allowance to noncurrent loans | 200.3191% | 1,901 |
| Noncurrent assets plus other real estate owned to assets | 6.3957% | 474 |
| Noncurrent loans to loans | 1.7382% | 2,946 |
| Net loans and leases to total assets | 58.1282% | 3,769 |
| Net loans and leases to deposits | 70.4442% | 3,403 |
| Net loans and leases to core deposits | 75.7603% | 3,354 |
| Total domestic deposits to total assets | 82.5168% | 5,024 |
| Equity capital to assets | 10.1766% | 3,926 |
| Core capital (leverage) ratio | 9.1626% | 4,625 |
| Tier 1 risk-based capital ratio | 13.4766% | 4,888 |
| Total risk-based capital ratio | 14.7487% | 4,832 |
| Memoranda: | ||
| Average total assets | $211,811,000 | 2,962 |
| Average earning assets | $188,235,500 | 3,039 |
| Average equity | $21,115,500 | 3,117 |
| Average total loans | $126,965,000 | 2,949 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4017% | 3,806 |
| Cost of funding earning assets | 1.1973% | 592 |
| Net interest margin | 3.2045% | 5,561 |
| Noninterest income to average assets | 0.3842% | 4,722 |
| Noninterest expense to average assets | 2.3729% | 5,483 |
| Loan and lease loss provision to assets | 0.1334% | 3,958 |
| Net operating income to assets | 0.4339% | 4,954 |
| Return on assets (ROA) | 0.4339% | 5,197 |
| Pretax return on assets | 0.6722% | 4,753 |
| Return on Equity (ROE) | 4.5890% | 4,887 |
| Retained earnings to average equity (ytd only) | 3.8591% | 3,480 |
| Net charge-offs to loans | 1.0623% | 1,006 |
| Credit loss provision to net charge-offs | 21.8373% | 5,261 |
| Earnings coverage of net charge-offs (x) | 1.3185% | 4,805 |
| Efficiency ratio | 74.6526% | 2,962 |
| Assets per employee ($millions) | 5.3511% | 1,837 |
| Cash dividends to net income (ytd only)* | 15.9067% | 3,892 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4468% | 447 |
| Loan loss allowance to noncurrent loans | 438.8833% | 913 |
| Noncurrent assets plus other real estate owned to assets | 5.7754% | 621 |
| Noncurrent loans to loans | 0.7854% | 4,608 |
| Net loans and leases to total assets | 57.6092% | 4,042 |
| Net loans and leases to deposits | 69.3281% | 3,789 |
| Net loans and leases to core deposits | 74.6328% | 3,702 |
| Total domestic deposits to total assets | 83.0965% | 4,680 |
| Equity capital to assets | 9.7657% | 4,504 |
| Core capital (leverage) ratio | 8.9176% | 5,018 |
| Tier 1 risk-based capital ratio | 13.2596% | 4,929 |
| Total risk-based capital ratio | 14.5326% | 4,858 |
| Memoranda: | ||
| Average total assets | $217,333,000 | 2,866 |
| Average earning assets | $189,516,200 | 2,968 |
| Average equity | $20,549,000 | 3,139 |
| Average total loans | $125,015,200 | 2,985 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4607% | 3,778 |
| Cost of funding earning assets | 1.2451% | 567 |
| Net interest margin | 3.2157% | 5,661 |
| Noninterest income to average assets | 0.3740% | 4,835 |
| Noninterest expense to average assets | 2.2870% | 5,719 |
| Loan and lease loss provision to assets | 0.1497% | 3,667 |
| Net operating income to assets | 0.4908% | 4,878 |
| Return on assets (ROA) | 0.4908% | 5,151 |
| Pretax return on assets | 0.7328% | 4,738 |
| Return on Equity (ROE) | 5.2327% | 4,712 |
| Retained earnings to average equity (ytd only) | 5.2327% | 3,202 |
| Net charge-offs to loans | 1.4240% | 627 |
| Credit loss provision to net charge-offs | 18.4488% | 4,977 |
| Earnings coverage of net charge-offs (x) | 1.0874% | 4,761 |
| Efficiency ratio | 72.1558% | 3,297 |
| Assets per employee ($millions) | 5.0080% | 2,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6031% | 425 |
| Loan loss allowance to noncurrent loans | 930.7692% | 460 |
| Noncurrent assets plus other real estate owned to assets | 7.0882% | 505 |
| Noncurrent loans to loans | 0.3871% | 5,690 |
| Net loans and leases to total assets | 54.1183% | 4,733 |
| Net loans and leases to deposits | 65.6958% | 4,506 |
| Net loans and leases to core deposits | 75.3530% | 3,809 |
| Total domestic deposits to total assets | 82.3771% | 4,886 |
| Equity capital to assets | 9.7471% | 4,858 |
| Core capital (leverage) ratio | 9.0071% | 5,058 |
| Tier 1 risk-based capital ratio | 13.2551% | 5,053 |
| Total risk-based capital ratio | 14.5277% | 5,001 |
| Memoranda: | ||
| Average total assets | $218,155,250 | 2,872 |
| Average earning assets | $189,650,000 | 2,995 |
| Average equity | $20,460,500 | 3,178 |
| Average total loans | $124,341,250 | 3,028 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4649% | 3,922 |
| Cost of funding earning assets | 1.2806% | 573 |
| Net interest margin | 3.1843% | 5,785 |
| Noninterest income to average assets | 0.3359% | 5,144 |
| Noninterest expense to average assets | 2.2685% | 5,821 |
| Loan and lease loss provision to assets | 0.1406% | 3,759 |
| Net operating income to assets | 0.4665% | 4,967 |
| Return on assets (ROA) | 0.4665% | 5,209 |
| Pretax return on assets | 0.7120% | 4,792 |
| Return on Equity (ROE) | 5.0385% | 4,794 |
| Retained earnings to average equity (ytd only) | 5.0385% | 3,263 |
| Net charge-offs to loans | 1.9906% | 424 |
| Credit loss provision to net charge-offs | 12.3299% | 4,709 |
| Earnings coverage of net charge-offs (x) | 0.7478% | 4,682 |
| Efficiency ratio | 72.6821% | 3,303 |
| Assets per employee ($millions) | 4.9725% | 2,211 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5881% | 464 |
| Loan loss allowance to noncurrent loans | 1,671.1538% | 284 |
| Noncurrent assets plus other real estate owned to assets | 7.2134% | 528 |
| Noncurrent loans to loans | 0.2147% | 6,153 |
| Net loans and leases to total assets | 55.9017% | 4,484 |
| Net loans and leases to deposits | 67.8714% | 4,225 |
| Net loans and leases to core deposits | 78.1756% | 3,489 |
| Total domestic deposits to total assets | 82.3641% | 4,994 |
| Equity capital to assets | 9.9025% | 4,484 |
| Core capital (leverage) ratio | 8.5342% | 5,603 |
| Tier 1 risk-based capital ratio | 13.6022% | 4,738 |
| Total risk-based capital ratio | 14.8706% | 4,697 |
| Memoranda: | ||
| Average total assets | $219,092,000 | 2,878 |
| Average earning assets | $191,628,670 | 2,977 |
| Average equity | $20,284,000 | 3,192 |
| Average total loans | $125,489,330 | 3,017 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4941% | 3,934 |
| Cost of funding earning assets | 1.2983% | 637 |
| Net interest margin | 3.1958% | 5,792 |
| Noninterest income to average assets | 0.2212% | 6,030 |
| Noninterest expense to average assets | 2.0106% | 6,442 |
| Loan and lease loss provision to assets | 0.1623% | 3,359 |
| Net operating income to assets | 0.5156% | 4,756 |
| Return on assets (ROA) | 0.5156% | 4,969 |
| Pretax return on assets | 0.8456% | 4,243 |
| Return on Equity (ROE) | 5.7554% | 4,426 |
| Retained earnings to average equity (ytd only) | 5.7554% | 3,107 |
| Net charge-offs to loans | -0.0595% | 6,601 |
| Credit loss provision to net charge-offs | -478.9474% | 5,762 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6076% | 4,443 |
| Assets per employee ($millions) | 5.2207% | 1,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3638% | 274 |
| Loan loss allowance to noncurrent loans | 693.6250% | 524 |
| Noncurrent assets plus other real estate owned to assets | 7.0675% | 600 |
| Noncurrent loans to loans | 0.6291% | 5,387 |
| Net loans and leases to total assets | 54.1723% | 4,692 |
| Net loans and leases to deposits | 68.4560% | 3,984 |
| Net loans and leases to core deposits | 78.3830% | 3,275 |
| Total domestic deposits to total assets | 79.1346% | 6,045 |
| Equity capital to assets | 8.9843% | 5,519 |
| Core capital (leverage) ratio | 8.2246% | 5,992 |
| Tier 1 risk-based capital ratio | 13.1197% | 5,117 |
| Total risk-based capital ratio | 14.4033% | 5,063 |
| Memoranda: | ||
| Average total assets | $224,214,500 | 2,840 |
| Average earning assets | $196,258,000 | 2,943 |
| Average equity | $20,085,500 | 3,218 |
| Average total loans | $127,687,000 | 2,985 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1289% | 2,333 |
| Cost of funding earning assets | 1.7867% | 226 |
| Net interest margin | 3.3422% | 5,676 |
| Noninterest income to average assets | 0.5529% | 3,485 |
| Noninterest expense to average assets | 2.4591% | 5,603 |
| Loan and lease loss provision to assets | 0.5093% | 2,062 |
| Net operating income to assets | 0.3422% | 5,101 |
| Return on assets (ROA) | 0.3422% | 5,258 |
| Pretax return on assets | 0.5003% | 4,991 |
| Return on Equity (ROE) | 3.7129% | 4,988 |
| Retained earnings to average equity (ytd only) | 3.7129% | 3,566 |
| Net charge-offs to loans | 0.7347% | 2,315 |
| Credit loss provision to net charge-offs | 104.8876% | 3,264 |
| Earnings coverage of net charge-offs (x) | 2.0792% | 4,218 |
| Efficiency ratio | 70.8949% | 3,796 |
| Assets per employee ($millions) | 5.2079% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2422% | 316 |
| Loan loss allowance to noncurrent loans | 309.2098% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 7.4726% | 590 |
| Noncurrent loans to loans | 1.3719% | 4,086 |
| Net loans and leases to total assets | 54.8250% | 4,905 |
| Net loans and leases to deposits | 69.4969% | 4,193 |
| Net loans and leases to core deposits | 79.2090% | 3,550 |
| Total domestic deposits to total assets | 78.8884% | 6,016 |
| Equity capital to assets | 8.9319% | 5,634 |
| Core capital (leverage) ratio | 8.3297% | 5,816 |
| Tier 1 risk-based capital ratio | 12.8023% | 5,239 |
| Total risk-based capital ratio | 14.0850% | 5,188 |
| Memoranda: | ||
| Average total assets | $210,690,200 | 2,937 |
| Average earning assets | $183,800,200 | 3,045 |
| Average equity | $19,418,600 | 3,225 |
| Average total loans | $139,243,600 | 2,804 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2567% | 2,002 |
| Cost of funding earning assets | 1.8702% | 197 |
| Net interest margin | 3.3865% | 5,617 |
| Noninterest income to average assets | 0.5909% | 3,228 |
| Noninterest expense to average assets | 2.3660% | 5,861 |
| Loan and lease loss provision to assets | 0.5214% | 1,900 |
| Net operating income to assets | 0.4430% | 4,813 |
| Return on assets (ROA) | 0.4430% | 5,007 |
| Pretax return on assets | 0.6571% | 4,620 |
| Return on Equity (ROE) | 4.7665% | 4,630 |
| Retained earnings to average equity (ytd only) | 4.7665% | 3,334 |
| Net charge-offs to loans | 0.9371% | 1,716 |
| Credit loss provision to net charge-offs | 81.2625% | 4,104 |
| Earnings coverage of net charge-offs (x) | 1.8367% | 4,288 |
| Efficiency ratio | 66.7513% | 4,577 |
| Assets per employee ($millions) | 4.7988% | 2,475 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7605% | 473 |
| Loan loss allowance to noncurrent loans | 186.2513% | 1,647 |
| Noncurrent assets plus other real estate owned to assets | 8.6286% | 471 |
| Noncurrent loans to loans | 2.0190% | 3,341 |
| Net loans and leases to total assets | 64.5182% | 3,199 |
| Net loans and leases to deposits | 85.2258% | 1,800 |
| Net loans and leases to core deposits | 98.8374% | 1,354 |
| Total domestic deposits to total assets | 75.7027% | 6,562 |
| Equity capital to assets | 9.7142% | 4,756 |
| Core capital (leverage) ratio | 8.6605% | 5,473 |
| Tier 1 risk-based capital ratio | 11.6664% | 6,129 |
| Total risk-based capital ratio | 12.9430% | 6,110 |
| Memoranda: | ||
| Average total assets | $207,378,250 | 2,991 |
| Average earning assets | $180,869,250 | 3,099 |
| Average equity | $19,272,750 | 3,249 |
| Average total loans | $142,001,250 | 2,777 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1313% | 2,543 |
| Cost of funding earning assets | 1.8703% | 238 |
| Net interest margin | 3.2610% | 5,969 |
| Noninterest income to average assets | 0.6461% | 2,876 |
| Noninterest expense to average assets | 2.3349% | 6,035 |
| Loan and lease loss provision to assets | 0.4188% | 2,340 |
| Net operating income to assets | 0.4862% | 4,560 |
| Return on assets (ROA) | 0.4862% | 4,705 |
| Pretax return on assets | 0.7462% | 4,227 |
| Return on Equity (ROE) | 5.3115% | 4,301 |
| Retained earnings to average equity (ytd only) | 5.3115% | 2,800 |
| Net charge-offs to loans | 0.9105% | 1,709 |
| Credit loss provision to net charge-offs | 66.7178% | 4,147 |
| Earnings coverage of net charge-offs (x) | 1.8558% | 3,944 |
| Efficiency ratio | 66.7125% | 4,741 |
| Assets per employee ($millions) | 5.0716% | 2,022 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7577% | 489 |
| Loan loss allowance to noncurrent loans | 128.3056% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 9.1456% | 456 |
| Noncurrent loans to loans | 2.9287% | 2,489 |
| Net loans and leases to total assets | 63.7044% | 3,531 |
| Net loans and leases to deposits | 84.6227% | 2,011 |
| Net loans and leases to core deposits | 97.6002% | 1,533 |
| Total domestic deposits to total assets | 75.2805% | 6,694 |
| Equity capital to assets | 9.3980% | 4,976 |
| Core capital (leverage) ratio | 8.5685% | 5,447 |
| Tier 1 risk-based capital ratio | 11.5374% | 6,146 |
| Total risk-based capital ratio | 12.8136% | 6,107 |
| Memoranda: | ||
| Average total assets | $207,721,670 | 3,000 |
| Average earning assets | $181,786,670 | 3,102 |
| Average equity | $19,015,330 | 3,264 |
| Average total loans | $143,223,670 | 2,790 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9605% | 3,290 |
| Cost of funding earning assets | 1.9013% | 247 |
| Net interest margin | 3.0592% | 6,443 |
| Noninterest income to average assets | 0.6974% | 2,593 |
| Noninterest expense to average assets | 2.0403% | 6,756 |
| Loan and lease loss provision to assets | 0.3391% | 2,526 |
| Net operating income to assets | 0.6685% | 3,668 |
| Return on assets (ROA) | 0.6685% | 3,738 |
| Pretax return on assets | 1.0057% | 3,114 |
| Return on Equity (ROE) | 7.4019% | 3,197 |
| Retained earnings to average equity (ytd only) | 7.4019% | 1,987 |
| Net charge-offs to loans | 1.7888% | 728 |
| Credit loss provision to net charge-offs | 26.9525% | 4,168 |
| Earnings coverage of net charge-offs (x) | 1.0689% | 3,865 |
| Efficiency ratio | 60.2732% | 5,948 |
| Assets per employee ($millions) | 5.0643% | 2,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4872% | 610 |
| Loan loss allowance to noncurrent loans | 61.8250% | 4,325 |
| Noncurrent assets plus other real estate owned to assets | 10.9238% | 341 |
| Noncurrent loans to loans | 5.6404% | 1,159 |
| Net loans and leases to total assets | 65.4731% | 3,135 |
| Net loans and leases to deposits | 85.8907% | 1,751 |
| Net loans and leases to core deposits | 98.3136% | 1,494 |
| Total domestic deposits to total assets | 76.2283% | 6,634 |
| Equity capital to assets | 9.1404% | 4,970 |
| Core capital (leverage) ratio | 8.3607% | 5,701 |
| Tier 1 risk-based capital ratio | 11.6105% | 6,014 |
| Total risk-based capital ratio | 12.8845% | 5,984 |
| Memoranda: | ||
| Average total assets | $207,614,000 | 3,017 |
| Average earning assets | $182,401,000 | 3,106 |
| Average equity | $18,752,000 | 3,290 |
| Average total loans | $146,017,000 | 2,772 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3235% | 3,014 |
| Cost of funding earning assets | 2.1233% | 394 |
| Net interest margin | 3.2003% | 6,272 |
| Noninterest income to average assets | 0.4417% | 4,582 |
| Noninterest expense to average assets | 2.2301% | 6,540 |
| Loan and lease loss provision to assets | 1.4182% | 1,059 |
| Net operating income to assets | -0.1646% | 6,066 |
| Return on assets (ROA) | -0.1646% | 6,121 |
| Pretax return on assets | -0.2685% | 6,137 |
| Return on Equity (ROE) | -1.8636% | 6,158 |
| Retained earnings to average equity (ytd only) | -1.8636% | 5,949 |
| Net charge-offs to loans | 1.4741% | 1,496 |
| Credit loss provision to net charge-offs | 128.6069% | 3,107 |
| Earnings coverage of net charge-offs (x) | 1.0426% | 5,068 |
| Efficiency ratio | 65.9833% | 4,973 |
| Assets per employee ($millions) | 5.0632% | 2,067 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5647% | 570 |
| Loan loss allowance to noncurrent loans | 49.6362% | 5,026 |
| Noncurrent assets plus other real estate owned to assets | 9.4022% | 465 |
| Noncurrent loans to loans | 7.1817% | 771 |
| Net loans and leases to total assets | 70.2279% | 2,490 |
| Net loans and leases to deposits | 92.6567% | 1,182 |
| Net loans and leases to core deposits | 104.9175% | 1,260 |
| Total domestic deposits to total assets | 75.7936% | 6,654 |
| Equity capital to assets | 8.9238% | 5,249 |
| Core capital (leverage) ratio | 8.0763% | 6,069 |
| Tier 1 risk-based capital ratio | 10.6382% | 6,614 |
| Total risk-based capital ratio | 11.9136% | 6,562 |
| Memoranda: | ||
| Average total assets | $219,362,000 | 2,877 |
| Average earning assets | $201,388,600 | 2,859 |
| Average equity | $19,371,400 | 3,231 |
| Average total loans | $164,101,800 | 2,562 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3346% | 3,191 |
| Cost of funding earning assets | 2.0927% | 551 |
| Net interest margin | 3.2419% | 6,200 |
| Noninterest income to average assets | 0.3970% | 4,980 |
| Noninterest expense to average assets | 1.9834% | 7,080 |
| Loan and lease loss provision to assets | 0.3898% | 3,558 |
| Net operating income to assets | 0.7005% | 3,410 |
| Return on assets (ROA) | 0.7005% | 3,567 |
| Pretax return on assets | 1.0202% | 3,111 |
| Return on Equity (ROE) | 7.9523% | 2,928 |
| Retained earnings to average equity (ytd only) | 7.9523% | 1,437 |
| Net charge-offs to loans | 0.1657% | 4,987 |
| Credit loss provision to net charge-offs | 312.5000% | 1,009 |
| Earnings coverage of net charge-offs (x) | 11.3027% | 1,809 |
| Efficiency ratio | 58.4482% | 6,196 |
| Assets per employee ($millions) | 5.3545% | 1,761 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1321% | 742 |
| Loan loss allowance to noncurrent loans | 29.5906% | 6,359 |
| Noncurrent assets plus other real estate owned to assets | 8.5550% | 557 |
| Noncurrent loans to loans | 10.5849% | 376 |
| Net loans and leases to total assets | 74.2070% | 1,757 |
| Net loans and leases to deposits | 103.0533% | 479 |
| Net loans and leases to core deposits | 118.6684% | 664 |
| Total domestic deposits to total assets | 72.0083% | 7,130 |
| Equity capital to assets | 9.5860% | 4,719 |
| Core capital (leverage) ratio | 8.6523% | 5,267 |
| Tier 1 risk-based capital ratio | 11.1913% | 6,199 |
| Total risk-based capital ratio | 12.4637% | 6,172 |
| Memoranda: | ||
| Average total assets | $222,305,000 | 2,881 |
| Average earning assets | $205,470,000 | 2,843 |
| Average equity | $19,583,000 | 3,242 |
| Average total loans | $167,333,500 | 2,549 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4133% | 2,920 |
| Cost of funding earning assets | 2.1362% | 582 |
| Net interest margin | 3.2771% | 6,086 |
| Noninterest income to average assets | 0.3502% | 5,348 |
| Noninterest expense to average assets | 1.9252% | 7,220 |
| Loan and lease loss provision to assets | 0.3644% | 3,522 |
| Net operating income to assets | 0.7333% | 3,264 |
| Return on assets (ROA) | 0.7333% | 3,414 |
| Pretax return on assets | 1.0808% | 2,845 |
| Return on Equity (ROE) | 8.5639% | 2,642 |
| Retained earnings to average equity (ytd only) | 8.5639% | 1,245 |
| Net charge-offs to loans | 0.2434% | 4,140 |
| Credit loss provision to net charge-offs | 200.0000% | 1,956 |
| Earnings coverage of net charge-offs (x) | 7.9317% | 2,213 |
| Efficiency ratio | 57.1203% | 6,495 |
| Assets per employee ($millions) | 5.4267% | 1,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9237% | 890 |
| Loan loss allowance to noncurrent loans | 36.7439% | 5,910 |
| Noncurrent assets plus other real estate owned to assets | 6.5935% | 842 |
| Noncurrent loans to loans | 7.9569% | 655 |
| Net loans and leases to total assets | 73.1542% | 2,125 |
| Net loans and leases to deposits | 104.0485% | 481 |
| Net loans and leases to core deposits | 119.7553% | 704 |
| Total domestic deposits to total assets | 70.3078% | 7,307 |
| Equity capital to assets | 9.0259% | 5,409 |
| Core capital (leverage) ratio | 8.2189% | 5,909 |
| Tier 1 risk-based capital ratio | 10.8265% | 6,423 |
| Total risk-based capital ratio | 12.0968% | 6,396 |
| Memoranda: | ||
| Average total assets | $225,014,000 | 2,871 |
| Average earning assets | $207,377,330 | 2,843 |
| Average equity | $19,267,000 | 3,272 |
| Average total loans | $168,420,000 | 2,571 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4179% | 2,954 |
| Cost of funding earning assets | 2.1337% | 730 |
| Net interest margin | 3.2842% | 6,033 |
| Noninterest income to average assets | 0.2386% | 6,244 |
| Noninterest expense to average assets | 1.8986% | 7,331 |
| Loan and lease loss provision to assets | 0.6010% | 2,114 |
| Net operating income to assets | 0.5445% | 4,157 |
| Return on assets (ROA) | 0.5445% | 4,295 |
| Pretax return on assets | 0.7566% | 4,041 |
| Return on Equity (ROE) | 6.5325% | 3,601 |
| Retained earnings to average equity (ytd only) | 6.5325% | 2,354 |
| Net charge-offs to loans | 0.4858% | 2,602 |
| Credit loss provision to net charge-offs | 165.8537% | 2,198 |
| Earnings coverage of net charge-offs (x) | 3.7463% | 2,804 |
| Efficiency ratio | 58.3062% | 6,440 |
| Assets per employee ($millions) | 5.5157% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8668% | 924 |
| Loan loss allowance to noncurrent loans | 32.8016% | 6,221 |
| Noncurrent assets plus other real estate owned to assets | 7.1194% | 750 |
| Noncurrent loans to loans | 8.7398% | 575 |
| Net loans and leases to total assets | 72.3965% | 2,356 |
| Net loans and leases to deposits | 105.6961% | 438 |
| Net loans and leases to core deposits | 122.4260% | 694 |
| Total domestic deposits to total assets | 68.4950% | 7,501 |
| Equity capital to assets | 8.4367% | 6,092 |
| Core capital (leverage) ratio | 7.6605% | 6,663 |
| Tier 1 risk-based capital ratio | 10.1902% | 6,892 |
| Total risk-based capital ratio | 11.4599% | 6,874 |
| Memoranda: | ||
| Average total assets | $226,274,500 | 2,916 |
| Average earning assets | $207,903,000 | 2,902 |
| Average equity | $18,859,500 | 3,336 |
| Average total loans | $168,797,500 | 2,633 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2742% | 5,305 |
| Cost of funding earning assets | 2.4131% | 1,256 |
| Net interest margin | 2.8611% | 6,938 |
| Noninterest income to average assets | 0.4383% | 4,898 |
| Noninterest expense to average assets | 1.9156% | 7,482 |
| Loan and lease loss provision to assets | 1.3804% | 1,662 |
| Net operating income to assets | -0.1580% | 5,772 |
| Return on assets (ROA) | 0.2928% | 4,645 |
| Pretax return on assets | 0.3305% | 4,685 |
| Return on Equity (ROE) | 3.5513% | 4,269 |
| Retained earnings to average equity (ytd only) | 1.7266% | 3,875 |
| Net charge-offs to loans | 0.0513% | 6,586 |
| Credit loss provision to net charge-offs | 3,703.6145% | 98 |
| Earnings coverage of net charge-offs (x) | 32.3133% | 718 |
| Efficiency ratio | 61.3990% | 6,263 |
| Assets per employee ($millions) | 5.3906% | 1,752 |
| Cash dividends to net income (ytd only)* | 51.3804% | 2,405 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7786% | 951 |
| Loan loss allowance to noncurrent loans | 27.2891% | 6,655 |
| Noncurrent assets plus other real estate owned to assets | 8.0925% | 550 |
| Noncurrent loans to loans | 10.1820% | 398 |
| Net loans and leases to total assets | 72.5892% | 2,606 |
| Net loans and leases to deposits | 105.3398% | 583 |
| Net loans and leases to core deposits | 125.3916% | 1,560 |
| Total domestic deposits to total assets | 68.9095% | 7,493 |
| Equity capital to assets | 8.2330% | 6,302 |
| Core capital (leverage) ratio | 7.6419% | 6,629 |
| Tier 1 risk-based capital ratio | 9.9687% | 6,899 |
| Total risk-based capital ratio | 11.2338% | 6,858 |
| Memoranda: | ||
| Average total assets | $222,694,200 | 2,908 |
| Average earning assets | $208,732,400 | 2,851 |
| Average equity | $18,359,400 | 3,450 |
| Average total loans | $161,654,800 | 2,732 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2175% | 5,807 |
| Cost of funding earning assets | 2.4493% | 1,447 |
| Net interest margin | 2.7682% | 7,103 |
| Noninterest income to average assets | 0.3661% | 5,574 |
| Noninterest expense to average assets | 1.7405% | 7,717 |
| Loan and lease loss provision to assets | 1.0413% | 1,846 |
| Net operating income to assets | 0.0768% | 5,538 |
| Return on assets (ROA) | 0.5104% | 4,024 |
| Pretax return on assets | 0.8664% | 3,335 |
| Return on Equity (ROE) | 6.1893% | 3,445 |
| Retained earnings to average equity (ytd only) | 3.7471% | 3,191 |
| Net charge-offs to loans | 0.0626% | 6,074 |
| Credit loss provision to net charge-offs | 2,309.3333% | 172 |
| Earnings coverage of net charge-offs (x) | 27.2793% | 998 |
| Efficiency ratio | 58.5914% | 6,630 |
| Assets per employee ($millions) | 5.2589% | 1,830 |
| Cash dividends to net income (ytd only)* | 39.4586% | 2,468 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1058% | 1,591 |
| Loan loss allowance to noncurrent loans | 18.9711% | 7,144 |
| Noncurrent assets plus other real estate owned to assets | 8.1332% | 516 |
| Noncurrent loans to loans | 11.1001% | 323 |
| Net loans and leases to total assets | 70.7822% | 3,320 |
| Net loans and leases to deposits | 104.0408% | 775 |
| Net loans and leases to core deposits | 130.1819% | 1,426 |
| Total domestic deposits to total assets | 68.0331% | 7,571 |
| Equity capital to assets | 8.5742% | 6,147 |
| Core capital (leverage) ratio | 7.8859% | 6,520 |
| Tier 1 risk-based capital ratio | 10.5946% | 6,351 |
| Total risk-based capital ratio | 11.8526% | 6,318 |
| Memoranda: | ||
| Average total assets | $221,766,000 | 2,937 |
| Average earning assets | $208,650,750 | 2,869 |
| Average equity | $18,289,250 | 3,483 |
| Average total loans | $159,807,500 | 2,793 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9984% | 6,775 |
| Cost of funding earning assets | 2.4676% | 1,723 |
| Net interest margin | 2.5308% | 7,446 |
| Noninterest income to average assets | 0.3918% | 5,361 |
| Noninterest expense to average assets | 1.6950% | 7,838 |
| Loan and lease loss provision to assets | 1.5023% | 1,140 |
| Net operating income to assets | -0.3745% | 6,416 |
| Return on assets (ROA) | 0.2648% | 5,125 |
| Pretax return on assets | 0.5728% | 4,395 |
| Return on Equity (ROE) | 3.2535% | 4,799 |
| Retained earnings to average equity (ytd only) | -0.4537% | 5,338 |
| Net charge-offs to loans | 0.0938% | 5,242 |
| Credit loss provision to net charge-offs | 2,224.0000% | 242 |
| Earnings coverage of net charge-offs (x) | 15.9333% | 1,562 |
| Efficiency ratio | 61.1635% | 6,373 |
| Assets per employee ($millions) | 5.1787% | 1,885 |
| Cash dividends to net income (ytd only)* | 113.9456% | 563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0580% | 1,467 |
| Loan loss allowance to noncurrent loans | 19.0760% | 7,180 |
| Noncurrent assets plus other real estate owned to assets | 8.0702% | 466 |
| Noncurrent loans to loans | 10.7886% | 293 |
| Net loans and leases to total assets | 72.1826% | 3,168 |
| Net loans and leases to deposits | 104.5607% | 869 |
| Net loans and leases to core deposits | 130.6852% | 1,508 |
| Total domestic deposits to total assets | 69.0341% | 7,552 |
| Equity capital to assets | 8.2863% | 6,356 |
| Core capital (leverage) ratio | 7.5954% | 6,912 |
| Tier 1 risk-based capital ratio | 10.2583% | 6,639 |
| Total risk-based capital ratio | 11.5179% | 6,562 |
| Memoranda: | ||
| Average total assets | $222,064,000 | 2,948 |
| Average earning assets | $208,787,670 | 2,884 |
| Average equity | $18,073,000 | 3,538 |
| Average total loans | $159,843,000 | 2,823 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3514% | 5,651 |
| Cost of funding earning assets | 2.4827% | 1,980 |
| Net interest margin | 2.8686% | 6,837 |
| Noninterest income to average assets | 0.2193% | 6,722 |
| Noninterest expense to average assets | 1.5262% | 7,967 |
| Loan and lease loss provision to assets | 0.4868% | 2,534 |
| Net operating income to assets | 0.7014% | 3,552 |
| Return on assets (ROA) | 1.3479% | 1,358 |
| Pretax return on assets | 1.7152% | 1,146 |
| Return on Equity (ROE) | 16.7090% | 722 |
| Retained earnings to average equity (ytd only) | 13.0622% | 631 |
| Net charge-offs to loans | 0.1479% | 3,784 |
| Credit loss provision to net charge-offs | 462.7119% | 1,152 |
| Earnings coverage of net charge-offs (x) | 13.1525% | 1,749 |
| Efficiency ratio | 52.4510% | 7,367 |
| Assets per employee ($millions) | 5.4679% | 1,591 |
| Cash dividends to net income (ytd only)* | 21.8254% | 2,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2108% | 4,732 |
| Loan loss allowance to noncurrent loans | 101.9649% | 3,012 |
| Noncurrent assets plus other real estate owned to assets | 0.9345% | 4,852 |
| Noncurrent loans to loans | 1.1875% | 4,597 |
| Net loans and leases to total assets | 69.8756% | 3,698 |
| Net loans and leases to deposits | 104.2290% | 996 |
| Net loans and leases to core deposits | 131.9513% | 1,543 |
| Total domestic deposits to total assets | 67.0405% | 7,667 |
| Equity capital to assets | 8.1281% | 6,632 |
| Core capital (leverage) ratio | 7.3506% | 7,322 |
| Tier 1 risk-based capital ratio | 9.6769% | 7,275 |
| Total risk-based capital ratio | 10.8133% | 7,313 |
| Memoranda: | ||
| Average total assets | $224,344,000 | 2,941 |
| Average earning assets | $210,414,000 | 2,875 |
| Average equity | $18,098,000 | 3,556 |
| Average total loans | $159,615,000 | 2,854 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3987% | 3,425 |
| Cost of funding earning assets | 3.0775% | 1,581 |
| Net interest margin | 3.3212% | 5,967 |
| Noninterest income to average assets | 0.3458% | 5,971 |
| Noninterest expense to average assets | 1.8194% | 7,732 |
| Loan and lease loss provision to assets | 0.1689% | 5,215 |
| Net operating income to assets | 0.8088% | 3,401 |
| Return on assets (ROA) | 0.8088% | 3,241 |
| Pretax return on assets | 1.4587% | 1,793 |
| Return on Equity (ROE) | 9.6839% | 2,367 |
| Retained earnings to average equity (ytd only) | 8.0779% | 824 |
| Net charge-offs to loans | 0.1484% | 4,722 |
| Credit loss provision to net charge-offs | 150.4425% | 3,486 |
| Earnings coverage of net charge-offs (x) | 14.4956% | 2,032 |
| Efficiency ratio | 52.7818% | 7,406 |
| Assets per employee ($millions) | 5.1024% | 1,837 |
| Cash dividends to net income (ytd only)* | 16.5848% | 4,538 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0619% | 5,536 |
| Loan loss allowance to noncurrent loans | 76.9161% | 4,248 |
| Noncurrent assets plus other real estate owned to assets | 1.0427% | 4,212 |
| Noncurrent loans to loans | 1.3806% | 3,758 |
| Net loans and leases to total assets | 70.8023% | 3,835 |
| Net loans and leases to deposits | 105.7585% | 1,146 |
| Net loans and leases to core deposits | 134.7250% | 1,552 |
| Total domestic deposits to total assets | 66.9471% | 7,582 |
| Equity capital to assets | 8.0061% | 6,838 |
| Core capital (leverage) ratio | 7.2758% | 7,441 |
| Tier 1 risk-based capital ratio | 9.5952% | 7,216 |
| Total risk-based capital ratio | 10.6340% | 7,358 |
| Memoranda: | ||
| Average total assets | $201,275,200 | 3,119 |
| Average earning assets | $187,944,200 | 3,070 |
| Average equity | $16,811,400 | 3,771 |
| Average total loans | $152,256,600 | 2,886 |