Home > First Florida Bank > Performance and Condition Ratios
First Florida Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8514% | 1,964 |
| Cost of funding earning assets | 1.1513% | 1,171 |
| Net interest margin | 3.7001% | 2,922 |
| Noninterest income to average assets | 0.9016% | 1,135 |
| Noninterest expense to average assets | 2.6214% | 3,101 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.4518% | 1,324 |
| Return on assets (ROA) | 1.4520% | 1,382 |
| Pretax return on assets | 1.8679% | 942 |
| Return on Equity (ROE) | 12.0801% | 1,594 |
| Retained earnings to average equity (ytd only) | 10.3257% | 675 |
| Net charge-offs to loans | 0.0818% | 1,657 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 40.8105% | 1,362 |
| Efficiency ratio | 58.3965% | 3,879 |
| Assets per employee ($millions) | 6.4436% | 1,304 |
| Cash dividends to net income (ytd only)* | 14.5230% | 3,241 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3746% | 1,669 |
| Loan loss allowance to noncurrent loans | 3,603.1915% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0215% | 4,636 |
| Noncurrent loans to loans | 0.0381% | 4,484 |
| Net loans and leases to total assets | 55.4626% | 4,082 |
| Net loans and leases to deposits | 65.2782% | 4,112 |
| Net loans and leases to core deposits | 75.8312% | 3,709 |
| Total domestic deposits to total assets | 84.9634% | 2,438 |
| Equity capital to assets | 12.5743% | 1,856 |
| Core capital (leverage) ratio | 12.3182% | 1,671 |
| Tier 1 risk-based capital ratio | 22.8516% | 962 |
| Total risk-based capital ratio | 24.1034% | 940 |
| Memoranda: | ||
| Average total assets | $431,211,250 | 1,631 |
| Average earning assets | $418,072,000 | 1,561 |
| Average equity | $51,830,500 | 1,548 |
| Average total loans | $241,090,500 | 1,889 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7929% | 2,082 |
| Cost of funding earning assets | 1.1332% | 1,186 |
| Net interest margin | 3.6597% | 3,072 |
| Noninterest income to average assets | 0.8874% | 1,100 |
| Noninterest expense to average assets | 2.6557% | 3,040 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.3864% | 1,472 |
| Return on assets (ROA) | 1.3864% | 1,531 |
| Pretax return on assets | 1.7799% | 1,086 |
| Return on Equity (ROE) | 11.7181% | 1,688 |
| Retained earnings to average equity (ytd only) | 9.9287% | 780 |
| Net charge-offs to loans | 0.0669% | 1,700 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | 47.7125% | 1,130 |
| Efficiency ratio | 59.8717% | 3,747 |
| Assets per employee ($millions) | 6.0135% | 1,536 |
| Cash dividends to net income (ytd only)* | 15.2708% | 3,165 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3581% | 1,783 |
| Loan loss allowance to noncurrent loans | 638.6322% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.1200% | 4,152 |
| Noncurrent loans to loans | 0.2127% | 3,777 |
| Net loans and leases to total assets | 55.6409% | 4,094 |
| Net loans and leases to deposits | 64.8259% | 4,179 |
| Net loans and leases to core deposits | 75.9012% | 3,736 |
| Total domestic deposits to total assets | 85.8313% | 2,122 |
| Equity capital to assets | 11.7397% | 2,397 |
| Core capital (leverage) ratio | 12.2985% | 1,640 |
| Tier 1 risk-based capital ratio | 21.9473% | 1,059 |
| Total risk-based capital ratio | 23.1995% | 1,032 |
| Memoranda: | ||
| Average total assets | $428,893,670 | 1,641 |
| Average earning assets | $415,827,000 | 1,568 |
| Average equity | $50,742,000 | 1,567 |
| Average total loans | $239,319,330 | 1,904 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7668% | 2,002 |
| Cost of funding earning assets | 1.1101% | 1,154 |
| Net interest margin | 3.6566% | 3,056 |
| Noninterest income to average assets | 0.8223% | 1,233 |
| Noninterest expense to average assets | 2.7399% | 2,780 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2905% | 1,729 |
| Return on assets (ROA) | 1.2905% | 1,771 |
| Pretax return on assets | 1.6236% | 1,409 |
| Return on Equity (ROE) | 10.8624% | 1,996 |
| Retained earnings to average equity (ytd only) | 9.0332% | 1,309 |
| Net charge-offs to loans | 0.1450% | 889 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | 20.1905% | 1,567 |
| Efficiency ratio | 62.7907% | 3,411 |
| Assets per employee ($millions) | 5.6743% | 1,820 |
| Cash dividends to net income (ytd only)* | 16.8398% | 2,533 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4502% | 1,508 |
| Loan loss allowance to noncurrent loans | 625.0000% | 873 |
| Noncurrent assets plus other real estate owned to assets | 0.1297% | 4,146 |
| Noncurrent loans to loans | 0.2320% | 3,747 |
| Net loans and leases to total assets | 55.0907% | 4,131 |
| Net loans and leases to deposits | 64.4509% | 4,156 |
| Net loans and leases to core deposits | 73.2793% | 3,839 |
| Total domestic deposits to total assets | 85.4771% | 2,493 |
| Equity capital to assets | 11.9297% | 2,070 |
| Core capital (leverage) ratio | 12.5486% | 1,481 |
| Tier 1 risk-based capital ratio | 22.1672% | 1,034 |
| Total risk-based capital ratio | 23.4200% | 1,010 |
| Memoranda: | ||
| Average total assets | $417,833,000 | 1,698 |
| Average earning assets | $404,633,000 | 1,618 |
| Average equity | $49,639,000 | 1,589 |
| Average total loans | $231,777,000 | 1,981 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5251% | 2,385 |
| Cost of funding earning assets | 0.8968% | 1,109 |
| Net interest margin | 3.6283% | 3,284 |
| Noninterest income to average assets | 0.9673% | 1,017 |
| Noninterest expense to average assets | 2.8474% | 2,525 |
| Loan and lease loss provision to assets | 0.0361% | 3,479 |
| Net operating income to assets | 1.2198% | 2,086 |
| Return on assets (ROA) | 1.2162% | 2,098 |
| Pretax return on assets | 1.5873% | 1,504 |
| Return on Equity (ROE) | 10.8539% | 2,148 |
| Retained earnings to average equity (ytd only) | 8.8490% | 922 |
| Net charge-offs to loans | -0.1602% | 5,235 |
| Credit loss provision to net charge-offs | -42.2535% | 4,319 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.6232% | 3,243 |
| Assets per employee ($millions) | 5.3259% | 2,125 |
| Cash dividends to net income (ytd only)* | 18.4716% | 3,531 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5666% | 1,106 |
| Loan loss allowance to noncurrent loans | 631.2500% | 896 |
| Noncurrent assets plus other real estate owned to assets | 0.1366% | 4,136 |
| Noncurrent loans to loans | 0.2482% | 3,696 |
| Net loans and leases to total assets | 54.1628% | 4,269 |
| Net loans and leases to deposits | 62.4071% | 4,357 |
| Net loans and leases to core deposits | 71.8533% | 3,997 |
| Total domestic deposits to total assets | 86.7895% | 1,879 |
| Equity capital to assets | 11.8287% | 2,010 |
| Core capital (leverage) ratio | 12.0665% | 1,686 |
| Tier 1 risk-based capital ratio | 23.1262% | 910 |
| Total risk-based capital ratio | 24.3804% | 877 |
| Memoranda: | ||
| Average total assets | $415,298,000 | 1,653 |
| Average earning assets | $401,539,600 | 1,584 |
| Average equity | $46,536,400 | 1,613 |
| Average total loans | $221,645,200 | 2,009 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4466% | 2,472 |
| Cost of funding earning assets | 0.8204% | 1,240 |
| Net interest margin | 3.6262% | 3,280 |
| Noninterest income to average assets | 0.9976% | 964 |
| Noninterest expense to average assets | 2.6756% | 3,045 |
| Loan and lease loss provision to assets | 0.0480% | 3,033 |
| Net operating income to assets | 1.3557% | 1,639 |
| Return on assets (ROA) | 1.3557% | 1,647 |
| Pretax return on assets | 1.7807% | 1,057 |
| Return on Equity (ROE) | 12.2664% | 1,693 |
| Retained earnings to average equity (ytd only) | 10.2220% | 849 |
| Net charge-offs to loans | -0.2085% | 5,304 |
| Credit loss provision to net charge-offs | -43.4783% | 4,149 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4003% | 3,907 |
| Assets per employee ($millions) | 5.6551% | 1,773 |
| Cash dividends to net income (ytd only)* | 16.6667% | 3,141 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5742% | 1,138 |
| Loan loss allowance to noncurrent loans | 605.6701% | 912 |
| Noncurrent assets plus other real estate owned to assets | 0.1337% | 4,284 |
| Noncurrent loans to loans | 0.2599% | 3,758 |
| Net loans and leases to total assets | 50.6166% | 4,554 |
| Net loans and leases to deposits | 57.6242% | 4,665 |
| Net loans and leases to core deposits | 65.3544% | 4,442 |
| Total domestic deposits to total assets | 87.8392% | 1,318 |
| Equity capital to assets | 10.8688% | 2,782 |
| Core capital (leverage) ratio | 11.7013% | 2,010 |
| Tier 1 risk-based capital ratio | 22.6493% | 976 |
| Total risk-based capital ratio | 23.9036% | 955 |
| Memoranda: | ||
| Average total assets | $416,598,250 | 1,650 |
| Average earning assets | $402,871,000 | 1,590 |
| Average equity | $46,043,250 | 1,629 |
| Average total loans | $220,642,750 | 2,025 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4009% | 2,408 |
| Cost of funding earning assets | 0.7469% | 1,381 |
| Net interest margin | 3.6540% | 3,103 |
| Noninterest income to average assets | 0.9588% | 1,029 |
| Noninterest expense to average assets | 2.6735% | 3,101 |
| Loan and lease loss provision to assets | 0.0731% | 2,425 |
| Net operating income to assets | 1.3380% | 1,642 |
| Return on assets (ROA) | 1.3380% | 1,652 |
| Pretax return on assets | 1.7435% | 1,109 |
| Return on Equity (ROE) | 12.0354% | 1,711 |
| Retained earnings to average equity (ytd only) | 9.9353% | 946 |
| Net charge-offs to loans | -0.0310% | 4,749 |
| Credit loss provision to net charge-offs | -441.1765% | 4,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5419% | 4,004 |
| Assets per employee ($millions) | 5.6582% | 1,751 |
| Cash dividends to net income (ytd only)* | 17.4499% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3985% | 1,750 |
| Loan loss allowance to noncurrent loans | 538.3585% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1388% | 4,296 |
| Noncurrent loans to loans | 0.2598% | 3,773 |
| Net loans and leases to total assets | 52.6968% | 4,433 |
| Net loans and leases to deposits | 59.9282% | 4,534 |
| Net loans and leases to core deposits | 68.0100% | 4,253 |
| Total domestic deposits to total assets | 87.9333% | 1,418 |
| Equity capital to assets | 10.7663% | 2,868 |
| Core capital (leverage) ratio | 11.9493% | 1,748 |
| Tier 1 risk-based capital ratio | 21.6331% | 1,082 |
| Total risk-based capital ratio | 22.8852% | 1,058 |
| Memoranda: | ||
| Average total assets | $410,317,670 | 1,676 |
| Average earning assets | $396,556,670 | 1,617 |
| Average equity | $45,615,330 | 1,651 |
| Average total loans | $219,547,000 | 2,039 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4038% | 2,182 |
| Cost of funding earning assets | 0.6852% | 1,520 |
| Net interest margin | 3.7186% | 2,733 |
| Noninterest income to average assets | 0.9439% | 1,037 |
| Noninterest expense to average assets | 2.7908% | 2,721 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3674% | 1,431 |
| Return on assets (ROA) | 1.3674% | 1,445 |
| Pretax return on assets | 1.7470% | 1,008 |
| Return on Equity (ROE) | 12.0952% | 1,550 |
| Retained earnings to average equity (ytd only) | 9.8776% | 1,199 |
| Net charge-offs to loans | -0.0168% | 4,469 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5012% | 3,872 |
| Assets per employee ($millions) | 5.6985% | 1,762 |
| Cash dividends to net income (ytd only)* | 18.3346% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3778% | 1,926 |
| Loan loss allowance to noncurrent loans | 385.1711% | 1,359 |
| Noncurrent assets plus other real estate owned to assets | 0.1923% | 4,122 |
| Noncurrent loans to loans | 0.3577% | 3,487 |
| Net loans and leases to total assets | 53.0204% | 4,369 |
| Net loans and leases to deposits | 59.7544% | 4,490 |
| Net loans and leases to core deposits | 68.1404% | 4,210 |
| Total domestic deposits to total assets | 88.7306% | 1,245 |
| Equity capital to assets | 11.0654% | 2,518 |
| Core capital (leverage) ratio | 11.9424% | 1,684 |
| Tier 1 risk-based capital ratio | 21.4489% | 1,126 |
| Total risk-based capital ratio | 22.7004% | 1,104 |
| Memoranda: | ||
| Average total assets | $400,463,500 | 1,736 |
| Average earning assets | $387,029,000 | 1,662 |
| Average equity | $45,274,000 | 1,667 |
| Average total loans | $214,408,500 | 2,086 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0661% | 3,186 |
| Cost of funding earning assets | 0.5731% | 1,795 |
| Net interest margin | 3.4930% | 3,554 |
| Noninterest income to average assets | 0.9253% | 1,201 |
| Noninterest expense to average assets | 2.7240% | 3,048 |
| Loan and lease loss provision to assets | 0.1040% | 2,153 |
| Net operating income to assets | 0.9223% | 2,583 |
| Return on assets (ROA) | 0.9268% | 2,592 |
| Pretax return on assets | 1.4761% | 1,734 |
| Return on Equity (ROE) | 8.2030% | 2,697 |
| Retained earnings to average equity (ytd only) | 6.3576% | 1,352 |
| Net charge-offs to loans | 0.2054% | 1,259 |
| Credit loss provision to net charge-offs | 98.7654% | 2,632 |
| Earnings coverage of net charge-offs (x) | 14.9407% | 2,283 |
| Efficiency ratio | 63.3916% | 3,696 |
| Assets per employee ($millions) | 5.6614% | 1,777 |
| Cash dividends to net income (ytd only)* | 22.4965% | 3,592 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4550% | 1,568 |
| Loan loss allowance to noncurrent loans | 336.6667% | 1,526 |
| Noncurrent assets plus other real estate owned to assets | 0.2304% | 3,988 |
| Noncurrent loans to loans | 0.4322% | 3,237 |
| Net loans and leases to total assets | 52.5323% | 4,483 |
| Net loans and leases to deposits | 59.4530% | 4,600 |
| Net loans and leases to core deposits | 67.7108% | 4,316 |
| Total domestic deposits to total assets | 88.3593% | 1,325 |
| Equity capital to assets | 11.5575% | 2,148 |
| Core capital (leverage) ratio | 11.9268% | 1,646 |
| Tier 1 risk-based capital ratio | 21.8280% | 1,042 |
| Total risk-based capital ratio | 23.0798% | 1,014 |
| Memoranda: | ||
| Average total assets | $384,650,800 | 1,772 |
| Average earning assets | $371,317,400 | 1,699 |
| Average equity | $43,459,600 | 1,710 |
| Average total loans | $197,157,000 | 2,177 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0014% | 3,352 |
| Cost of funding earning assets | 0.5570% | 1,836 |
| Net interest margin | 3.4444% | 3,696 |
| Noninterest income to average assets | 0.9385% | 1,168 |
| Noninterest expense to average assets | 2.6948% | 3,086 |
| Loan and lease loss provision to assets | 0.0661% | 2,749 |
| Net operating income to assets | 1.0817% | 2,167 |
| Return on assets (ROA) | 1.0885% | 2,197 |
| Pretax return on assets | 1.5116% | 1,735 |
| Return on Equity (ROE) | 9.6905% | 2,265 |
| Retained earnings to average equity (ytd only) | 7.9897% | 1,228 |
| Net charge-offs to loans | 0.1344% | 1,452 |
| Credit loss provision to net charge-offs | 96.9388% | 2,360 |
| Earnings coverage of net charge-offs (x) | 22.9946% | 1,836 |
| Efficiency ratio | 63.2112% | 3,678 |
| Assets per employee ($millions) | 5.4922% | 1,931 |
| Cash dividends to net income (ytd only)* | 17.5511% | 3,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5375% | 1,399 |
| Loan loss allowance to noncurrent loans | 469.6124% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.1654% | 4,447 |
| Noncurrent loans to loans | 0.3274% | 3,775 |
| Net loans and leases to total assets | 49.7446% | 4,716 |
| Net loans and leases to deposits | 56.4449% | 4,852 |
| Net loans and leases to core deposits | 63.6192% | 4,622 |
| Total domestic deposits to total assets | 88.1294% | 1,296 |
| Equity capital to assets | 11.7334% | 2,162 |
| Core capital (leverage) ratio | 11.7341% | 1,864 |
| Tier 1 risk-based capital ratio | 22.6118% | 983 |
| Total risk-based capital ratio | 23.8645% | 967 |
| Memoranda: | ||
| Average total assets | $383,154,000 | 1,793 |
| Average earning assets | $369,831,250 | 1,719 |
| Average equity | $43,037,500 | 1,744 |
| Average total loans | $194,386,000 | 2,218 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8926% | 3,572 |
| Cost of funding earning assets | 0.5445% | 1,809 |
| Net interest margin | 3.3481% | 3,956 |
| Noninterest income to average assets | 0.9882% | 1,046 |
| Noninterest expense to average assets | 2.6984% | 3,093 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0922% | 2,013 |
| Return on assets (ROA) | 1.0922% | 2,070 |
| Pretax return on assets | 1.5217% | 1,563 |
| Return on Equity (ROE) | 9.8737% | 2,093 |
| Retained earnings to average equity (ytd only) | 8.4401% | 1,018 |
| Net charge-offs to loans | -0.3132% | 5,648 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9418% | 3,682 |
| Assets per employee ($millions) | 5.6352% | 1,754 |
| Cash dividends to net income (ytd only)* | 14.5192% | 3,283 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6704% | 1,113 |
| Loan loss allowance to noncurrent loans | 287.7586% | 1,637 |
| Noncurrent assets plus other real estate owned to assets | 0.2899% | 3,978 |
| Noncurrent loans to loans | 0.5805% | 2,994 |
| Net loans and leases to total assets | 49.1106% | 4,760 |
| Net loans and leases to deposits | 55.4408% | 4,879 |
| Net loans and leases to core deposits | 61.4373% | 4,745 |
| Total domestic deposits to total assets | 88.5821% | 1,163 |
| Equity capital to assets | 11.3019% | 2,495 |
| Core capital (leverage) ratio | 12.0393% | 1,613 |
| Tier 1 risk-based capital ratio | 22.0751% | 1,045 |
| Total risk-based capital ratio | 23.3293% | 1,023 |
| Memoranda: | ||
| Average total assets | $380,889,330 | 1,804 |
| Average earning assets | $367,670,330 | 1,732 |
| Average equity | $42,132,000 | 1,774 |
| Average total loans | $193,512,330 | 2,225 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8536% | 3,572 |
| Cost of funding earning assets | 0.5483% | 1,727 |
| Net interest margin | 3.3053% | 3,987 |
| Noninterest income to average assets | 0.8059% | 1,531 |
| Noninterest expense to average assets | 2.7429% | 2,982 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.8910% | 2,811 |
| Return on assets (ROA) | 0.8910% | 2,855 |
| Pretax return on assets | 1.2519% | 2,411 |
| Return on Equity (ROE) | 8.1501% | 2,835 |
| Retained earnings to average equity (ytd only) | 6.6620% | 1,998 |
| Net charge-offs to loans | 0.0925% | 1,426 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 26.4091% | 1,304 |
| Efficiency ratio | 68.6624% | 3,101 |
| Assets per employee ($millions) | 5.4374% | 1,947 |
| Cash dividends to net income (ytd only)* | 18.2588% | 2,568 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5379% | 1,546 |
| Loan loss allowance to noncurrent loans | 145.9736% | 2,870 |
| Noncurrent assets plus other real estate owned to assets | 0.5383% | 3,076 |
| Noncurrent loans to loans | 1.0536% | 1,948 |
| Net loans and leases to total assets | 50.3117% | 4,651 |
| Net loans and leases to deposits | 56.5304% | 4,785 |
| Net loans and leases to core deposits | 62.1566% | 4,647 |
| Total domestic deposits to total assets | 88.9994% | 1,142 |
| Equity capital to assets | 10.7938% | 2,861 |
| Core capital (leverage) ratio | 11.4633% | 1,976 |
| Tier 1 risk-based capital ratio | 20.6691% | 1,270 |
| Total risk-based capital ratio | 21.9218% | 1,247 |
| Memoranda: | ||
| Average total assets | $371,283,500 | 1,855 |
| Average earning assets | $358,211,500 | 1,782 |
| Average equity | $40,588,500 | 1,848 |
| Average total loans | $190,353,500 | 2,273 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8579% | 3,718 |
| Cost of funding earning assets | 0.5683% | 1,553 |
| Net interest margin | 3.2896% | 4,172 |
| Noninterest income to average assets | 0.7981% | 1,746 |
| Noninterest expense to average assets | 2.7390% | 3,229 |
| Loan and lease loss provision to assets | 0.1208% | 2,045 |
| Net operating income to assets | 0.7997% | 3,306 |
| Return on assets (ROA) | 0.8202% | 3,308 |
| Pretax return on assets | 1.1524% | 2,886 |
| Return on Equity (ROE) | 7.5954% | 3,171 |
| Retained earnings to average equity (ytd only) | 6.7811% | 1,318 |
| Net charge-offs to loans | 0.2291% | 1,212 |
| Credit loss provision to net charge-offs | 104.0100% | 2,492 |
| Earnings coverage of net charge-offs (x) | 10.7118% | 2,612 |
| Efficiency ratio | 68.7596% | 3,112 |
| Assets per employee ($millions) | 5.3228% | 2,037 |
| Cash dividends to net income (ytd only)* | 10.7206% | 4,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6298% | 1,302 |
| Loan loss allowance to noncurrent loans | 147.8324% | 2,832 |
| Noncurrent assets plus other real estate owned to assets | 0.5672% | 3,039 |
| Noncurrent loans to loans | 1.1024% | 1,884 |
| Net loans and leases to total assets | 50.6109% | 4,717 |
| Net loans and leases to deposits | 56.9927% | 4,855 |
| Net loans and leases to core deposits | 62.8405% | 4,700 |
| Total domestic deposits to total assets | 88.8024% | 1,206 |
| Equity capital to assets | 11.0772% | 2,563 |
| Core capital (leverage) ratio | 11.1122% | 2,246 |
| Tier 1 risk-based capital ratio | 21.0241% | 1,202 |
| Total risk-based capital ratio | 22.2775% | 1,185 |
| Memoranda: | ||
| Average total assets | $343,446,200 | 1,931 |
| Average earning assets | $332,567,000 | 1,860 |
| Average equity | $37,088,400 | 1,971 |
| Average total loans | $174,195,800 | 2,372 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8466% | 3,778 |
| Cost of funding earning assets | 0.5669% | 1,570 |
| Net interest margin | 3.2797% | 4,258 |
| Noninterest income to average assets | 0.8079% | 1,729 |
| Noninterest expense to average assets | 2.6519% | 3,490 |
| Loan and lease loss provision to assets | 0.0197% | 3,852 |
| Net operating income to assets | 0.9266% | 2,774 |
| Return on assets (ROA) | 0.9326% | 2,864 |
| Pretax return on assets | 1.3234% | 2,340 |
| Return on Equity (ROE) | 8.6961% | 2,667 |
| Retained earnings to average equity (ytd only) | 8.1421% | 1,116 |
| Net charge-offs to loans | 0.0312% | 3,028 |
| Credit loss provision to net charge-offs | 125.0000% | 2,021 |
| Earnings coverage of net charge-offs (x) | 84.7782% | 739 |
| Efficiency ratio | 66.5252% | 3,498 |
| Assets per employee ($millions) | 5.9529% | 1,464 |
| Cash dividends to net income (ytd only)* | 6.3714% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7236% | 1,163 |
| Loan loss allowance to noncurrent loans | 510.7926% | 1,037 |
| Noncurrent assets plus other real estate owned to assets | 0.1556% | 4,813 |
| Noncurrent loans to loans | 0.3374% | 4,049 |
| Net loans and leases to total assets | 45.3316% | 5,126 |
| Net loans and leases to deposits | 51.3508% | 5,237 |
| Net loans and leases to core deposits | 56.3045% | 5,135 |
| Total domestic deposits to total assets | 88.2784% | 1,247 |
| Equity capital to assets | 10.2171% | 3,894 |
| Core capital (leverage) ratio | 10.6822% | 2,801 |
| Tier 1 risk-based capital ratio | 21.1873% | 1,235 |
| Total risk-based capital ratio | 22.4420% | 1,212 |
| Memoranda: | ||
| Average total assets | $338,819,750 | 1,959 |
| Average earning assets | $328,352,250 | 1,887 |
| Average equity | $36,337,000 | 2,017 |
| Average total loans | $171,189,250 | 2,400 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9552% | 3,403 |
| Cost of funding earning assets | 0.5675% | 1,561 |
| Net interest margin | 3.3877% | 3,941 |
| Noninterest income to average assets | 0.8468% | 1,561 |
| Noninterest expense to average assets | 2.5656% | 3,834 |
| Loan and lease loss provision to assets | 0.0308% | 3,513 |
| Net operating income to assets | 1.0756% | 2,062 |
| Return on assets (ROA) | 1.0851% | 2,146 |
| Pretax return on assets | 1.5433% | 1,548 |
| Return on Equity (ROE) | 9.9340% | 2,080 |
| Retained earnings to average equity (ytd only) | 9.9340% | 611 |
| Net charge-offs to loans | 0.0542% | 2,429 |
| Credit loss provision to net charge-offs | 108.6957% | 1,979 |
| Earnings coverage of net charge-offs (x) | 55.0870% | 929 |
| Efficiency ratio | 62.1791% | 4,318 |
| Assets per employee ($millions) | 5.7587% | 1,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6688% | 1,343 |
| Loan loss allowance to noncurrent loans | 899.7024% | 638 |
| Noncurrent assets plus other real estate owned to assets | 0.0957% | 5,132 |
| Noncurrent loans to loans | 0.1855% | 4,690 |
| Net loans and leases to total assets | 50.7090% | 4,795 |
| Net loans and leases to deposits | 57.9224% | 4,906 |
| Net loans and leases to core deposits | 64.1674% | 4,738 |
| Total domestic deposits to total assets | 87.5464% | 1,650 |
| Equity capital to assets | 10.9209% | 3,149 |
| Core capital (leverage) ratio | 11.6274% | 1,890 |
| Tier 1 risk-based capital ratio | 20.5072% | 1,343 |
| Total risk-based capital ratio | 21.7621% | 1,325 |
| Memoranda: | ||
| Average total assets | $324,763,670 | 2,046 |
| Average earning assets | $314,368,000 | 1,966 |
| Average equity | $35,474,000 | 2,062 |
| Average total loans | $169,673,330 | 2,421 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0668% | 2,977 |
| Cost of funding earning assets | 0.5747% | 1,513 |
| Net interest margin | 3.4921% | 3,502 |
| Noninterest income to average assets | 0.6754% | 2,150 |
| Noninterest expense to average assets | 2.6927% | 3,440 |
| Loan and lease loss provision to assets | 0.0642% | 2,672 |
| Net operating income to assets | 0.9156% | 2,673 |
| Return on assets (ROA) | 0.9156% | 2,789 |
| Pretax return on assets | 1.2969% | 2,318 |
| Return on Equity (ROE) | 8.3810% | 2,714 |
| Retained earnings to average equity (ytd only) | 8.3810% | 1,306 |
| Net charge-offs to loans | 0.1147% | 1,432 |
| Credit loss provision to net charge-offs | 106.3830% | 1,551 |
| Earnings coverage of net charge-offs (x) | 22.5532% | 1,396 |
| Efficiency ratio | 66.4238% | 3,728 |
| Assets per employee ($millions) | 5.4122% | 1,911 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8451% | 1,065 |
| Loan loss allowance to noncurrent loans | 699.5370% | 780 |
| Noncurrent assets plus other real estate owned to assets | 0.1353% | 5,032 |
| Noncurrent loans to loans | 0.2638% | 4,490 |
| Net loans and leases to total assets | 50.3446% | 4,776 |
| Net loans and leases to deposits | 57.5932% | 4,878 |
| Net loans and leases to core deposits | 62.2846% | 4,802 |
| Total domestic deposits to total assets | 87.4142% | 1,983 |
| Equity capital to assets | 10.8493% | 3,118 |
| Core capital (leverage) ratio | 11.1785% | 2,242 |
| Tier 1 risk-based capital ratio | 20.1920% | 1,461 |
| Total risk-based capital ratio | 21.4480% | 1,433 |
| Memoranda: | ||
| Average total assets | $311,506,000 | 2,124 |
| Average earning assets | $301,365,500 | 2,051 |
| Average equity | $34,029,500 | 2,143 |
| Average total loans | $163,933,500 | 2,479 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9256% | 3,616 |
| Cost of funding earning assets | 0.5614% | 1,664 |
| Net interest margin | 3.3641% | 4,059 |
| Noninterest income to average assets | 0.9942% | 1,190 |
| Noninterest expense to average assets | 2.8303% | 3,103 |
| Loan and lease loss provision to assets | 0.1681% | 1,366 |
| Net operating income to assets | 0.8960% | 2,894 |
| Return on assets (ROA) | 0.9192% | 2,850 |
| Pretax return on assets | 1.2765% | 2,376 |
| Return on Equity (ROE) | 8.5002% | 2,711 |
| Retained earnings to average equity (ytd only) | 8.5002% | 778 |
| Net charge-offs to loans | 0.1113% | 2,264 |
| Credit loss provision to net charge-offs | 292.3977% | 1,010 |
| Earnings coverage of net charge-offs (x) | 24.5731% | 1,665 |
| Efficiency ratio | 66.7116% | 3,793 |
| Assets per employee ($millions) | 4.9785% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8399% | 1,063 |
| Loan loss allowance to noncurrent loans | 626.3485% | 886 |
| Noncurrent assets plus other real estate owned to assets | 0.1587% | 4,966 |
| Noncurrent loans to loans | 0.2938% | 4,405 |
| Net loans and leases to total assets | 53.0358% | 4,594 |
| Net loans and leases to deposits | 60.7756% | 4,717 |
| Net loans and leases to core deposits | 65.7094% | 4,617 |
| Total domestic deposits to total assets | 87.2650% | 2,005 |
| Equity capital to assets | 11.0030% | 2,821 |
| Core capital (leverage) ratio | 11.1880% | 2,228 |
| Tier 1 risk-based capital ratio | 19.9687% | 1,490 |
| Total risk-based capital ratio | 21.2249% | 1,461 |
| Memoranda: | ||
| Average total assets | $297,528,200 | 2,162 |
| Average earning assets | $287,294,200 | 2,089 |
| Average equity | $32,175,800 | 2,193 |
| Average total loans | $153,691,000 | 2,547 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9022% | 3,739 |
| Cost of funding earning assets | 0.5629% | 1,691 |
| Net interest margin | 3.3394% | 4,180 |
| Noninterest income to average assets | 1.0743% | 1,043 |
| Noninterest expense to average assets | 2.7667% | 3,319 |
| Loan and lease loss provision to assets | 0.2252% | 821 |
| Net operating income to assets | 0.9283% | 2,815 |
| Return on assets (ROA) | 0.9590% | 2,760 |
| Pretax return on assets | 1.3487% | 2,216 |
| Return on Equity (ROE) | 8.9079% | 2,625 |
| Retained earnings to average equity (ytd only) | 8.9079% | 940 |
| Net charge-offs to loans | 0.1747% | 1,429 |
| Credit loss provision to net charge-offs | 252.5253% | 1,128 |
| Earnings coverage of net charge-offs (x) | 17.1618% | 2,069 |
| Efficiency ratio | 64.3816% | 4,179 |
| Assets per employee ($millions) | 5.0542% | 2,236 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9561% | 983 |
| Loan loss allowance to noncurrent loans | 620.5394% | 843 |
| Noncurrent assets plus other real estate owned to assets | 0.2047% | 4,938 |
| Noncurrent loans to loans | 0.3152% | 4,466 |
| Net loans and leases to total assets | 48.6252% | 5,040 |
| Net loans and leases to deposits | 54.5401% | 5,216 |
| Net loans and leases to core deposits | 58.8865% | 5,138 |
| Total domestic deposits to total assets | 89.1550% | 944 |
| Equity capital to assets | 10.6777% | 3,382 |
| Core capital (leverage) ratio | 10.7136% | 2,805 |
| Tier 1 risk-based capital ratio | 20.8548% | 1,369 |
| Total risk-based capital ratio | 22.1125% | 1,342 |
| Memoranda: | ||
| Average total assets | $295,987,500 | 2,187 |
| Average earning assets | $285,675,250 | 2,110 |
| Average equity | $31,866,000 | 2,220 |
| Average total loans | $151,092,750 | 2,594 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9210% | 3,610 |
| Cost of funding earning assets | 0.5587% | 1,747 |
| Net interest margin | 3.3623% | 4,046 |
| Noninterest income to average assets | 1.0360% | 1,106 |
| Noninterest expense to average assets | 2.6442% | 3,760 |
| Loan and lease loss provision to assets | 0.3426% | 390 |
| Net operating income to assets | 0.9263% | 2,754 |
| Return on assets (ROA) | 0.9737% | 2,630 |
| Pretax return on assets | 1.3560% | 2,162 |
| Return on Equity (ROE) | 9.0180% | 2,529 |
| Retained earnings to average equity (ytd only) | 9.0180% | 917 |
| Net charge-offs to loans | 0.3535% | 747 |
| Credit loss provision to net charge-offs | 187.9699% | 1,299 |
| Earnings coverage of net charge-offs (x) | 8.9586% | 2,506 |
| Efficiency ratio | 61.8231% | 4,698 |
| Assets per employee ($millions) | 5.4261% | 1,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8260% | 1,322 |
| Loan loss allowance to noncurrent loans | 606.6390% | 866 |
| Noncurrent assets plus other real estate owned to assets | 0.3603% | 4,454 |
| Noncurrent loans to loans | 0.3010% | 4,611 |
| Net loans and leases to total assets | 49.9533% | 4,938 |
| Net loans and leases to deposits | 55.6279% | 5,147 |
| Net loans and leases to core deposits | 60.3486% | 5,048 |
| Total domestic deposits to total assets | 89.7990% | 749 |
| Equity capital to assets | 10.1193% | 3,908 |
| Core capital (leverage) ratio | 10.6755% | 2,762 |
| Tier 1 risk-based capital ratio | 20.0158% | 1,536 |
| Total risk-based capital ratio | 21.2724% | 1,511 |
| Memoranda: | ||
| Average total assets | $291,881,000 | 2,223 |
| Average earning assets | $281,358,330 | 2,155 |
| Average equity | $31,514,670 | 2,245 |
| Average total loans | $150,488,330 | 2,611 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9101% | 3,559 |
| Cost of funding earning assets | 0.5332% | 1,985 |
| Net interest margin | 3.3769% | 3,928 |
| Noninterest income to average assets | 0.9869% | 1,144 |
| Noninterest expense to average assets | 2.7683% | 3,351 |
| Loan and lease loss provision to assets | 0.2852% | 522 |
| Net operating income to assets | 0.8785% | 2,850 |
| Return on assets (ROA) | 0.9798% | 2,477 |
| Pretax return on assets | 1.3221% | 2,193 |
| Return on Equity (ROE) | 8.7660% | 2,567 |
| Retained earnings to average equity (ytd only) | 8.7660% | 1,282 |
| Net charge-offs to loans | 0.7716% | 302 |
| Credit loss provision to net charge-offs | 71.1744% | 1,905 |
| Earnings coverage of net charge-offs (x) | 3.6690% | 2,583 |
| Efficiency ratio | 65.3096% | 4,267 |
| Assets per employee ($millions) | 5.5325% | 1,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7762% | 1,547 |
| Loan loss allowance to noncurrent loans | 534.6311% | 956 |
| Noncurrent assets plus other real estate owned to assets | 0.3888% | 4,469 |
| Noncurrent loans to loans | 0.3322% | 4,602 |
| Net loans and leases to total assets | 49.2042% | 4,923 |
| Net loans and leases to deposits | 55.3013% | 5,099 |
| Net loans and leases to core deposits | 59.3499% | 5,049 |
| Total domestic deposits to total assets | 88.9747% | 1,290 |
| Equity capital to assets | 10.8490% | 3,143 |
| Core capital (leverage) ratio | 11.6467% | 1,893 |
| Tier 1 risk-based capital ratio | 20.9397% | 1,436 |
| Total risk-based capital ratio | 22.1947% | 1,411 |
| Memoranda: | ||
| Average total assets | $280,464,500 | 2,312 |
| Average earning assets | $270,072,500 | 2,250 |
| Average equity | $31,348,500 | 2,268 |
| Average total loans | $145,665,500 | 2,678 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1414% | 3,163 |
| Cost of funding earning assets | 0.4905% | 2,768 |
| Net interest margin | 3.6509% | 3,216 |
| Noninterest income to average assets | 1.0208% | 1,173 |
| Noninterest expense to average assets | 3.0290% | 2,759 |
| Loan and lease loss provision to assets | 0.1434% | 1,851 |
| Net operating income to assets | 1.0686% | 2,092 |
| Return on assets (ROA) | 1.0619% | 2,180 |
| Pretax return on assets | 1.3448% | 2,091 |
| Return on Equity (ROE) | 9.5232% | 2,329 |
| Retained earnings to average equity (ytd only) | 8.8281% | 738 |
| Net charge-offs to loans | 0.1365% | 2,654 |
| Credit loss provision to net charge-offs | 200.0000% | 1,222 |
| Earnings coverage of net charge-offs (x) | 20.8757% | 1,708 |
| Efficiency ratio | 66.9293% | 4,070 |
| Assets per employee ($millions) | 5.0510% | 2,257 |
| Cash dividends to net income (ytd only)* | 7.2993% | 4,191 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8623% | 1,396 |
| Loan loss allowance to noncurrent loans | 544.5344% | 992 |
| Noncurrent assets plus other real estate owned to assets | 0.5155% | 4,079 |
| Noncurrent loans to loans | 0.3420% | 4,630 |
| Net loans and leases to total assets | 52.9514% | 4,693 |
| Net loans and leases to deposits | 59.9181% | 4,907 |
| Net loans and leases to core deposits | 63.6697% | 4,858 |
| Total domestic deposits to total assets | 88.3730% | 1,583 |
| Equity capital to assets | 11.5370% | 2,401 |
| Core capital (leverage) ratio | 11.7750% | 1,782 |
| Tier 1 risk-based capital ratio | 20.7977% | 1,442 |
| Total risk-based capital ratio | 22.0545% | 1,415 |
| Memoranda: | ||
| Average total assets | $258,037,200 | 2,450 |
| Average earning assets | $247,718,600 | 2,365 |
| Average equity | $28,771,800 | 2,359 |
| Average total loans | $135,556,800 | 2,771 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0814% | 3,448 |
| Cost of funding earning assets | 0.4798% | 2,958 |
| Net interest margin | 3.6017% | 3,419 |
| Noninterest income to average assets | 1.0281% | 1,166 |
| Noninterest expense to average assets | 3.0012% | 2,794 |
| Loan and lease loss provision to assets | 0.1148% | 2,138 |
| Net operating income to assets | 1.0820% | 2,102 |
| Return on assets (ROA) | 1.0771% | 2,190 |
| Pretax return on assets | 1.3634% | 2,144 |
| Return on Equity (ROE) | 9.7483% | 2,332 |
| Retained earnings to average equity (ytd only) | 8.8041% | 1,059 |
| Net charge-offs to loans | 0.0300% | 3,888 |
| Credit loss provision to net charge-offs | 733.3333% | 418 |
| Earnings coverage of net charge-offs (x) | 94.8643% | 606 |
| Efficiency ratio | 66.9070% | 4,061 |
| Assets per employee ($millions) | 5.2672% | 1,937 |
| Cash dividends to net income (ytd only)* | 9.6852% | 3,572 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9622% | 1,327 |
| Loan loss allowance to noncurrent loans | 78.7091% | 4,228 |
| Noncurrent assets plus other real estate owned to assets | 1.6044% | 1,894 |
| Noncurrent loans to loans | 2.4930% | 1,178 |
| Net loans and leases to total assets | 50.1256% | 4,993 |
| Net loans and leases to deposits | 56.4281% | 5,212 |
| Net loans and leases to core deposits | 59.1313% | 5,253 |
| Total domestic deposits to total assets | 88.8311% | 1,340 |
| Equity capital to assets | 11.0059% | 2,952 |
| Core capital (leverage) ratio | 11.3893% | 2,145 |
| Tier 1 risk-based capital ratio | 21.0779% | 1,438 |
| Total risk-based capital ratio | 22.3354% | 1,412 |
| Memoranda: | ||
| Average total assets | $255,620,500 | 2,491 |
| Average earning assets | $245,397,750 | 2,400 |
| Average equity | $28,243,500 | 2,405 |
| Average total loans | $133,335,250 | 2,813 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1267% | 3,239 |
| Cost of funding earning assets | 0.4686% | 3,122 |
| Net interest margin | 3.6581% | 3,112 |
| Noninterest income to average assets | 0.9917% | 1,225 |
| Noninterest expense to average assets | 2.9409% | 3,032 |
| Loan and lease loss provision to assets | 0.0557% | 3,182 |
| Net operating income to assets | 1.2404% | 1,476 |
| Return on assets (ROA) | 1.2384% | 1,542 |
| Pretax return on assets | 1.5035% | 1,528 |
| Return on Equity (ROE) | 11.1930% | 1,670 |
| Retained earnings to average equity (ytd only) | 9.7543% | 777 |
| Net charge-offs to loans | -0.0182% | 5,507 |
| Credit loss provision to net charge-offs | -583.3333% | 5,607 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3173% | 4,466 |
| Assets per employee ($millions) | 5.1991% | 1,971 |
| Cash dividends to net income (ytd only)* | 12.8535% | 3,386 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8192% | 1,795 |
| Loan loss allowance to noncurrent loans | 178.4138% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.7294% | 3,788 |
| Noncurrent loans to loans | 1.0197% | 3,198 |
| Net loans and leases to total assets | 51.6421% | 4,782 |
| Net loans and leases to deposits | 57.8921% | 5,052 |
| Net loans and leases to core deposits | 60.1902% | 5,123 |
| Total domestic deposits to total assets | 89.2041% | 1,247 |
| Equity capital to assets | 10.7127% | 3,188 |
| Core capital (leverage) ratio | 11.8840% | 1,727 |
| Tier 1 risk-based capital ratio | 21.0172% | 1,443 |
| Total risk-based capital ratio | 22.2736% | 1,419 |
| Memoranda: | ||
| Average total assets | $251,284,330 | 2,531 |
| Average earning assets | $241,163,000 | 2,433 |
| Average equity | $27,803,000 | 2,421 |
| Average total loans | $131,998,000 | 2,835 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1680% | 2,997 |
| Cost of funding earning assets | 0.4748% | 3,178 |
| Net interest margin | 3.6932% | 2,887 |
| Noninterest income to average assets | 0.8108% | 1,712 |
| Noninterest expense to average assets | 3.0511% | 2,691 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2989% | 1,215 |
| Return on assets (ROA) | 1.2873% | 1,295 |
| Pretax return on assets | 1.2873% | 2,139 |
| Return on Equity (ROE) | 11.4313% | 1,561 |
| Retained earnings to average equity (ytd only) | 8.4927% | 1,420 |
| Net charge-offs to loans | -0.0315% | 5,586 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.1407% | 3,820 |
| Assets per employee ($millions) | 4.6671% | 2,712 |
| Cash dividends to net income (ytd only)* | 25.7069% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9525% | 1,617 |
| Loan loss allowance to noncurrent loans | 363.4393% | 1,259 |
| Noncurrent assets plus other real estate owned to assets | 0.5195% | 4,595 |
| Noncurrent loans to loans | 0.5372% | 4,560 |
| Net loans and leases to total assets | 51.0564% | 4,791 |
| Net loans and leases to deposits | 57.5303% | 4,985 |
| Net loans and leases to core deposits | 58.4770% | 5,166 |
| Total domestic deposits to total assets | 88.7470% | 1,805 |
| Equity capital to assets | 11.1996% | 2,524 |
| Core capital (leverage) ratio | 12.3212% | 1,468 |
| Tier 1 risk-based capital ratio | 21.6894% | 1,341 |
| Total risk-based capital ratio | 22.9471% | 1,318 |
| Memoranda: | ||
| Average total assets | $241,750,000 | 2,626 |
| Average earning assets | $231,670,500 | 2,536 |
| Average equity | $27,223,500 | 2,457 |
| Average total loans | $126,895,500 | 2,926 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0581% | 3,891 |
| Cost of funding earning assets | 0.4852% | 3,763 |
| Net interest margin | 3.5728% | 3,593 |
| Noninterest income to average assets | 1.2668% | 862 |
| Noninterest expense to average assets | 3.2190% | 2,359 |
| Loan and lease loss provision to assets | 0.2655% | 1,334 |
| Net operating income to assets | 1.2031% | 1,552 |
| Return on assets (ROA) | 1.4827% | 900 |
| Pretax return on assets | 1.4827% | 1,502 |
| Return on Equity (ROE) | 12.6819% | 1,234 |
| Retained earnings to average equity (ytd only) | 12.6819% | 260 |
| Net charge-offs to loans | 0.0615% | 4,349 |
| Credit loss provision to net charge-offs | 833.3333% | 299 |
| Earnings coverage of net charge-offs (x) | 46.0972% | 847 |
| Efficiency ratio | 68.6709% | 4,067 |
| Assets per employee ($millions) | 4.5412% | 2,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0042% | 1,540 |
| Loan loss allowance to noncurrent loans | 478.0534% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.4730% | 4,818 |
| Noncurrent loans to loans | 0.4193% | 4,947 |
| Net loans and leases to total assets | 51.8667% | 4,874 |
| Net loans and leases to deposits | 58.5253% | 5,074 |
| Net loans and leases to core deposits | 59.5291% | 5,255 |
| Total domestic deposits to total assets | 88.6226% | 1,845 |
| Equity capital to assets | 11.3253% | 2,318 |
| Core capital (leverage) ratio | 12.0238% | 1,588 |
| Tier 1 risk-based capital ratio | 23.1622% | 1,069 |
| Total risk-based capital ratio | 24.4212% | 1,048 |
| Memoranda: | ||
| Average total assets | $226,000,400 | 2,756 |
| Average earning assets | $216,383,600 | 2,659 |
| Average equity | $26,423,400 | 2,509 |
| Average total loans | $117,126,000 | 3,103 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0150% | 4,071 |
| Cost of funding earning assets | 0.4836% | 3,928 |
| Net interest margin | 3.5315% | 3,753 |
| Noninterest income to average assets | 1.4021% | 744 |
| Noninterest expense to average assets | 3.2971% | 2,088 |
| Loan and lease loss provision to assets | 0.2387% | 1,510 |
| Net operating income to assets | 1.2476% | 1,490 |
| Return on assets (ROA) | 1.6247% | 756 |
| Pretax return on assets | 1.6247% | 1,281 |
| Return on Equity (ROE) | 13.7818% | 1,045 |
| Retained earnings to average equity (ytd only) | 13.7818% | 269 |
| Net charge-offs to loans | 0.0648% | 3,987 |
| Credit loss provision to net charge-offs | 714.2857% | 407 |
| Earnings coverage of net charge-offs (x) | 44.4850% | 936 |
| Efficiency ratio | 68.9285% | 3,927 |
| Assets per employee ($millions) | 4.7461% | 2,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9447% | 1,866 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2499% | 5,694 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 49.3152% | 5,211 |
| Net loans and leases to deposits | 55.6847% | 5,400 |
| Net loans and leases to core deposits | 56.9094% | 5,536 |
| Total domestic deposits to total assets | 88.5616% | 1,808 |
| Equity capital to assets | 11.1232% | 2,640 |
| Core capital (leverage) ratio | 11.9455% | 1,703 |
| Tier 1 risk-based capital ratio | 23.8416% | 1,027 |
| Total risk-based capital ratio | 25.1000% | 1,006 |
| Memoranda: | ||
| Average total assets | $223,464,500 | 2,799 |
| Average earning assets | $213,956,750 | 2,695 |
| Average equity | $26,343,250 | 2,546 |
| Average total loans | $115,161,250 | 3,161 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9239% | 4,387 |
| Cost of funding earning assets | 0.4898% | 3,991 |
| Net interest margin | 3.4341% | 4,061 |
| Noninterest income to average assets | 1.4448% | 758 |
| Noninterest expense to average assets | 3.1327% | 2,573 |
| Loan and lease loss provision to assets | 0.1828% | 2,074 |
| Net operating income to assets | 1.4165% | 1,044 |
| Return on assets (ROA) | 1.9941% | 386 |
| Pretax return on assets | 1.9941% | 613 |
| Return on Equity (ROE) | 16.5770% | 591 |
| Retained earnings to average equity (ytd only) | 16.5770% | 173 |
| Net charge-offs to loans | 0.1195% | 3,169 |
| Credit loss provision to net charge-offs | 294.1176% | 880 |
| Earnings coverage of net charge-offs (x) | 25.7353% | 1,259 |
| Efficiency ratio | 66.2032% | 4,514 |
| Assets per employee ($millions) | 4.8476% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8092% | 2,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3463% | 5,444 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 50.2627% | 5,084 |
| Net loans and leases to deposits | 56.9007% | 5,254 |
| Net loans and leases to core deposits | 58.7662% | 5,361 |
| Total domestic deposits to total assets | 88.3341% | 2,020 |
| Equity capital to assets | 11.4758% | 2,320 |
| Core capital (leverage) ratio | 12.6256% | 1,311 |
| Tier 1 risk-based capital ratio | 24.2591% | 970 |
| Total risk-based capital ratio | 25.5168% | 948 |
| Memoranda: | ||
| Average total assets | $218,850,670 | 2,857 |
| Average earning assets | $209,485,000 | 2,752 |
| Average equity | $26,325,670 | 2,557 |
| Average total loans | $113,765,330 | 3,197 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9555% | 4,278 |
| Cost of funding earning assets | 0.5030% | 4,053 |
| Net interest margin | 3.4525% | 3,894 |
| Noninterest income to average assets | 1.2036% | 1,047 |
| Noninterest expense to average assets | 2.9763% | 3,067 |
| Loan and lease loss provision to assets | 0.3732% | 855 |
| Net operating income to assets | 1.1588% | 1,641 |
| Return on assets (ROA) | 2.5639% | 155 |
| Pretax return on assets | 2.5639% | 246 |
| Return on Equity (ROE) | 20.8060% | 241 |
| Retained earnings to average equity (ytd only) | 20.8060% | 115 |
| Net charge-offs to loans | -0.0427% | 6,064 |
| Credit loss provision to net charge-offs | -1,666.6667% | 5,734 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0182% | 4,656 |
| Assets per employee ($millions) | 5.0857% | 2,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8996% | 2,301 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7115% | 4,598 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 51.6926% | 4,746 |
| Net loans and leases to deposits | 59.0051% | 4,904 |
| Net loans and leases to core deposits | 60.4671% | 5,098 |
| Total domestic deposits to total assets | 87.6069% | 2,568 |
| Equity capital to assets | 12.1864% | 1,918 |
| Core capital (leverage) ratio | 12.7711% | 1,208 |
| Tier 1 risk-based capital ratio | 24.6722% | 933 |
| Total risk-based capital ratio | 25.9313% | 918 |
| Memoranda: | ||
| Average total assets | $214,358,500 | 2,938 |
| Average earning assets | $205,184,500 | 2,839 |
| Average equity | $26,415,500 | 2,574 |
| Average total loans | $112,335,000 | 3,245 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1230% | 4,871 |
| Cost of funding earning assets | 0.6844% | 3,618 |
| Net interest margin | 3.4386% | 4,752 |
| Noninterest income to average assets | 0.6709% | 2,877 |
| Noninterest expense to average assets | 2.7673% | 4,152 |
| Loan and lease loss provision to assets | 0.3011% | 2,269 |
| Net operating income to assets | 0.8802% | 2,915 |
| Return on assets (ROA) | 1.2123% | 1,725 |
| Pretax return on assets | 1.2250% | 2,704 |
| Return on Equity (ROE) | 9.5134% | 2,399 |
| Retained earnings to average equity (ytd only) | 9.5134% | 695 |
| Net charge-offs to loans | 0.6876% | 1,719 |
| Credit loss provision to net charge-offs | 87.1157% | 3,587 |
| Earnings coverage of net charge-offs (x) | 3.4451% | 3,722 |
| Efficiency ratio | 69.9182% | 3,833 |
| Assets per employee ($millions) | 5.1227% | 2,072 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8065% | 2,568 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7894% | 4,490 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 51.1636% | 5,015 |
| Net loans and leases to deposits | 58.6993% | 5,164 |
| Net loans and leases to core deposits | 60.9251% | 5,283 |
| Total domestic deposits to total assets | 87.1623% | 2,732 |
| Equity capital to assets | 12.4654% | 1,736 |
| Core capital (leverage) ratio | 12.0495% | 1,544 |
| Tier 1 risk-based capital ratio | 22.3903% | 1,196 |
| Total risk-based capital ratio | 23.6468% | 1,170 |
| Memoranda: | ||
| Average total assets | $197,633,000 | 3,076 |
| Average earning assets | $188,916,600 | 2,974 |
| Average equity | $25,185,400 | 2,637 |
| Average total loans | $99,328,400 | 3,539 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0870% | 5,237 |
| Cost of funding earning assets | 0.7237% | 3,565 |
| Net interest margin | 3.3633% | 5,168 |
| Noninterest income to average assets | 0.7669% | 2,394 |
| Noninterest expense to average assets | 2.6977% | 4,373 |
| Loan and lease loss provision to assets | 0.2707% | 2,407 |
| Net operating income to assets | 1.0002% | 2,497 |
| Return on assets (ROA) | 1.4304% | 1,280 |
| Pretax return on assets | 1.4468% | 2,090 |
| Return on Equity (ROE) | 11.1587% | 1,902 |
| Retained earnings to average equity (ytd only) | 11.1587% | 657 |
| Net charge-offs to loans | 0.9586% | 1,121 |
| Credit loss provision to net charge-offs | 56.7529% | 4,244 |
| Earnings coverage of net charge-offs (x) | 2.6896% | 3,958 |
| Efficiency ratio | 67.7686% | 4,111 |
| Assets per employee ($millions) | 5.6811% | 1,473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7504% | 2,967 |
| Loan loss allowance to noncurrent loans | 2,416.4384% | 226 |
| Noncurrent assets plus other real estate owned to assets | 1.2525% | 3,796 |
| Noncurrent loans to loans | 0.0724% | 6,437 |
| Net loans and leases to total assets | 45.8639% | 5,778 |
| Net loans and leases to deposits | 52.4820% | 5,944 |
| Net loans and leases to core deposits | 54.5265% | 6,005 |
| Total domestic deposits to total assets | 87.3899% | 2,434 |
| Equity capital to assets | 12.0260% | 2,235 |
| Core capital (leverage) ratio | 11.7898% | 1,776 |
| Tier 1 risk-based capital ratio | 23.1627% | 1,148 |
| Total risk-based capital ratio | 24.4175% | 1,121 |
| Memoranda: | ||
| Average total assets | $194,533,750 | 3,152 |
| Average earning assets | $185,884,500 | 3,038 |
| Average equity | $24,936,500 | 2,694 |
| Average total loans | $96,801,500 | 3,638 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2323% | 4,838 |
| Cost of funding earning assets | 0.7464% | 3,629 |
| Net interest margin | 3.4859% | 4,735 |
| Noninterest income to average assets | 0.7417% | 2,460 |
| Noninterest expense to average assets | 2.6497% | 4,607 |
| Loan and lease loss provision to assets | 0.0480% | 5,076 |
| Net operating income to assets | 1.3564% | 1,296 |
| Return on assets (ROA) | 1.6786% | 791 |
| Pretax return on assets | 1.6935% | 1,274 |
| Return on Equity (ROE) | 12.7914% | 1,418 |
| Retained earnings to average equity (ytd only) | 12.7914% | 461 |
| Net charge-offs to loans | 0.3582% | 2,582 |
| Credit loss provision to net charge-offs | 26.3158% | 4,497 |
| Earnings coverage of net charge-offs (x) | 7.7602% | 2,424 |
| Efficiency ratio | 65.1706% | 4,693 |
| Assets per employee ($millions) | 5.0855% | 2,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9919% | 2,254 |
| Loan loss allowance to noncurrent loans | 2,656.1644% | 195 |
| Noncurrent assets plus other real estate owned to assets | 1.2821% | 3,864 |
| Noncurrent loans to loans | 0.0750% | 6,477 |
| Net loans and leases to total assets | 46.9019% | 5,733 |
| Net loans and leases to deposits | 53.9190% | 5,874 |
| Net loans and leases to core deposits | 55.9224% | 5,952 |
| Total domestic deposits to total assets | 86.9859% | 2,769 |
| Equity capital to assets | 12.5952% | 1,754 |
| Core capital (leverage) ratio | 12.9939% | 1,154 |
| Tier 1 risk-based capital ratio | 23.6153% | 1,064 |
| Total risk-based capital ratio | 24.8728% | 1,045 |
| Memoranda: | ||
| Average total assets | $187,417,670 | 3,247 |
| Average earning assets | $178,722,000 | 3,153 |
| Average equity | $24,594,670 | 2,710 |
| Average total loans | $95,476,670 | 3,679 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3932% | 4,358 |
| Cost of funding earning assets | 0.7788% | 3,634 |
| Net interest margin | 3.6144% | 4,204 |
| Noninterest income to average assets | 0.4793% | 4,068 |
| Noninterest expense to average assets | 2.6129% | 4,770 |
| Loan and lease loss provision to assets | 0.1003% | 4,089 |
| Net operating income to assets | 1.2217% | 1,680 |
| Return on assets (ROA) | 1.7613% | 725 |
| Pretax return on assets | 1.7613% | 1,169 |
| Return on Equity (ROE) | 13.1221% | 1,379 |
| Retained earnings to average equity (ytd only) | 13.1221% | 669 |
| Net charge-offs to loans | 0.7446% | 1,372 |
| Credit loss provision to net charge-offs | 25.5682% | 3,703 |
| Earnings coverage of net charge-offs (x) | 3.3693% | 2,865 |
| Efficiency ratio | 66.4023% | 4,482 |
| Assets per employee ($millions) | 5.2821% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0652% | 2,181 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.4085% | 3,755 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 49.6078% | 5,363 |
| Net loans and leases to deposits | 57.3986% | 5,447 |
| Net loans and leases to core deposits | 59.8752% | 5,541 |
| Total domestic deposits to total assets | 86.4270% | 3,288 |
| Equity capital to assets | 13.2755% | 1,331 |
| Core capital (leverage) ratio | 13.1461% | 1,070 |
| Tier 1 risk-based capital ratio | 23.4452% | 1,073 |
| Total risk-based capital ratio | 24.7035% | 1,057 |
| Memoranda: | ||
| Average total assets | $179,417,500 | 3,389 |
| Average earning assets | $171,536,500 | 3,261 |
| Average equity | $24,081,500 | 2,762 |
| Average total loans | $94,542,000 | 3,720 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5095% | 5,037 |
| Cost of funding earning assets | 0.9450% | 3,751 |
| Net interest margin | 3.5645% | 4,871 |
| Noninterest income to average assets | 0.3052% | 5,353 |
| Noninterest expense to average assets | 2.7578% | 4,519 |
| Loan and lease loss provision to assets | 0.2819% | 3,414 |
| Net operating income to assets | 0.6180% | 3,898 |
| Return on assets (ROA) | 0.7205% | 3,555 |
| Pretax return on assets | 0.7205% | 4,251 |
| Return on Equity (ROE) | 5.5384% | 4,113 |
| Retained earnings to average equity (ytd only) | 5.5384% | 2,277 |
| Net charge-offs to loans | 0.9149% | 1,899 |
| Credit loss provision to net charge-offs | 61.4213% | 5,139 |
| Earnings coverage of net charge-offs (x) | 1.9607% | 4,312 |
| Efficiency ratio | 75.3981% | 2,993 |
| Assets per employee ($millions) | 5.1165% | 2,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1637% | 1,874 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.6153% | 3,534 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 53.6747% | 5,089 |
| Net loans and leases to deposits | 62.2977% | 5,200 |
| Net loans and leases to core deposits | 66.0440% | 5,245 |
| Total domestic deposits to total assets | 86.1584% | 3,224 |
| Equity capital to assets | 13.5778% | 1,230 |
| Core capital (leverage) ratio | 13.1471% | 1,086 |
| Tier 1 risk-based capital ratio | 22.2790% | 1,197 |
| Total risk-based capital ratio | 23.5378% | 1,170 |
| Memoranda: | ||
| Average total assets | $171,691,800 | 3,460 |
| Average earning assets | $161,482,000 | 3,377 |
| Average equity | $22,335,000 | 2,857 |
| Average total loans | $86,130,200 | 3,964 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4699% | 5,345 |
| Cost of funding earning assets | 0.9881% | 3,765 |
| Net interest margin | 3.4818% | 5,260 |
| Noninterest income to average assets | 0.3576% | 5,004 |
| Noninterest expense to average assets | 2.6351% | 4,955 |
| Loan and lease loss provision to assets | 0.3304% | 2,898 |
| Net operating income to assets | 0.6537% | 3,854 |
| Return on assets (ROA) | 0.7908% | 3,375 |
| Pretax return on assets | 0.7908% | 4,166 |
| Return on Equity (ROE) | 6.1475% | 3,955 |
| Retained earnings to average equity (ytd only) | 6.1475% | 2,462 |
| Net charge-offs to loans | 1.2282% | 1,267 |
| Credit loss provision to net charge-offs | 54.9223% | 4,929 |
| Earnings coverage of net charge-offs (x) | 1.6360% | 4,418 |
| Efficiency ratio | 72.8095% | 3,400 |
| Assets per employee ($millions) | 5.1868% | 1,947 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3005% | 1,689 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.4344% | 2,649 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 48.6697% | 5,877 |
| Net loans and leases to deposits | 56.3911% | 5,992 |
| Net loans and leases to core deposits | 60.2850% | 5,967 |
| Total domestic deposits to total assets | 86.3073% | 3,033 |
| Equity capital to assets | 13.3609% | 1,434 |
| Core capital (leverage) ratio | 12.8277% | 1,283 |
| Tier 1 risk-based capital ratio | 22.5928% | 1,207 |
| Total risk-based capital ratio | 23.8529% | 1,178 |
| Memoranda: | ||
| Average total assets | $171,124,500 | 3,498 |
| Average earning assets | $160,297,750 | 3,422 |
| Average equity | $22,013,750 | 2,889 |
| Average total loans | $83,803,250 | 4,068 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4836% | 5,404 |
| Cost of funding earning assets | 1.0364% | 3,690 |
| Net interest margin | 3.4472% | 5,378 |
| Noninterest income to average assets | 0.4310% | 4,417 |
| Noninterest expense to average assets | 2.7299% | 4,706 |
| Loan and lease loss provision to assets | 0.0590% | 5,571 |
| Net operating income to assets | 0.8584% | 2,825 |
| Return on assets (ROA) | 0.9446% | 2,552 |
| Pretax return on assets | 0.9446% | 3,456 |
| Return on Equity (ROE) | 7.4427% | 3,222 |
| Retained earnings to average equity (ytd only) | 7.4427% | 1,683 |
| Net charge-offs to loans | 0.7956% | 1,911 |
| Credit loss provision to net charge-offs | 15.2439% | 5,195 |
| Earnings coverage of net charge-offs (x) | 2.3689% | 3,637 |
| Efficiency ratio | 74.8462% | 3,214 |
| Assets per employee ($millions) | 5.4704% | 1,595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5262% | 1,407 |
| Loan loss allowance to noncurrent loans | 329.2913% | 966 |
| Noncurrent assets plus other real estate owned to assets | 3.0636% | 2,193 |
| Noncurrent loans to loans | 0.7672% | 5,377 |
| Net loans and leases to total assets | 46.0886% | 6,263 |
| Net loans and leases to deposits | 53.0486% | 6,388 |
| Net loans and leases to core deposits | 58.5321% | 6,231 |
| Total domestic deposits to total assets | 86.8800% | 2,805 |
| Equity capital to assets | 12.9509% | 1,539 |
| Core capital (leverage) ratio | 13.2454% | 1,074 |
| Tier 1 risk-based capital ratio | 23.1380% | 1,097 |
| Total risk-based capital ratio | 24.3988% | 1,078 |
| Memoranda: | ||
| Average total assets | $169,382,670 | 3,550 |
| Average earning assets | $158,041,330 | 3,477 |
| Average equity | $21,497,670 | 2,928 |
| Average total loans | $82,454,330 | 4,142 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5148% | 5,288 |
| Cost of funding earning assets | 1.1203% | 3,377 |
| Net interest margin | 3.3945% | 5,448 |
| Noninterest income to average assets | 0.2714% | 5,737 |
| Noninterest expense to average assets | 2.7788% | 4,532 |
| Loan and lease loss provision to assets | 0.0480% | 5,400 |
| Net operating income to assets | 0.6100% | 3,983 |
| Return on assets (ROA) | 0.7854% | 3,171 |
| Pretax return on assets | 0.7854% | 3,954 |
| Return on Equity (ROE) | 6.2551% | 3,751 |
| Retained earnings to average equity (ytd only) | 6.2551% | 2,493 |
| Net charge-offs to loans | -0.2090% | 7,264 |
| Credit loss provision to net charge-offs | -46.5116% | 5,646 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.8526% | 2,387 |
| Assets per employee ($millions) | 5.3261% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8798% | 1,029 |
| Loan loss allowance to noncurrent loans | 351.4451% | 881 |
| Noncurrent assets plus other real estate owned to assets | 2.6057% | 2,631 |
| Noncurrent loans to loans | 0.8194% | 5,398 |
| Net loans and leases to total assets | 48.1224% | 6,061 |
| Net loans and leases to deposits | 55.0549% | 6,213 |
| Net loans and leases to core deposits | 61.3486% | 5,985 |
| Total domestic deposits to total assets | 87.4080% | 2,706 |
| Equity capital to assets | 12.3831% | 1,692 |
| Core capital (leverage) ratio | 13.0040% | 1,119 |
| Tier 1 risk-based capital ratio | 22.8525% | 1,102 |
| Total risk-based capital ratio | 24.1182% | 1,086 |
| Memoranda: | ||
| Average total assets | $166,547,000 | 3,612 |
| Average earning assets | $155,310,000 | 3,558 |
| Average equity | $20,911,000 | 2,992 |
| Average total loans | $82,296,000 | 4,187 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6925% | 5,828 |
| Cost of funding earning assets | 1.4608% | 2,886 |
| Net interest margin | 3.2317% | 6,188 |
| Noninterest income to average assets | 0.5171% | 4,044 |
| Noninterest expense to average assets | 3.1506% | 3,270 |
| Loan and lease loss provision to assets | 0.4524% | 3,409 |
| Net operating income to assets | -0.1056% | 5,998 |
| Return on assets (ROA) | 0.1040% | 5,716 |
| Pretax return on assets | 0.1040% | 5,692 |
| Return on Equity (ROE) | 0.7618% | 5,763 |
| Retained earnings to average equity (ytd only) | 0.7618% | 5,173 |
| Net charge-offs to loans | 2.9443% | 570 |
| Credit loss provision to net charge-offs | 25.5885% | 6,524 |
| Earnings coverage of net charge-offs (x) | 0.1962% | 5,911 |
| Efficiency ratio | 90.0837% | 1,319 |
| Assets per employee ($millions) | 5.2471% | 1,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9560% | 902 |
| Loan loss allowance to noncurrent loans | 226.4818% | 1,347 |
| Noncurrent assets plus other real estate owned to assets | 3.2368% | 2,184 |
| Noncurrent loans to loans | 1.3052% | 4,533 |
| Net loans and leases to total assets | 47.8138% | 6,409 |
| Net loans and leases to deposits | 54.9379% | 6,528 |
| Net loans and leases to core deposits | 61.3907% | 6,285 |
| Total domestic deposits to total assets | 87.0325% | 2,799 |
| Equity capital to assets | 12.7364% | 1,507 |
| Core capital (leverage) ratio | 13.9277% | 859 |
| Tier 1 risk-based capital ratio | 22.9374% | 1,046 |
| Total risk-based capital ratio | 24.2024% | 1,026 |
| Memoranda: | ||
| Average total assets | $129,753,000 | 4,276 |
| Average earning assets | $119,659,200 | 4,237 |
| Average equity | $17,721,800 | 3,468 |
| Average total loans | $77,913,200 | 4,392 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7732% | 5,773 |
| Cost of funding earning assets | 1.5250% | 2,805 |
| Net interest margin | 3.2482% | 6,178 |
| Noninterest income to average assets | 0.5014% | 4,176 |
| Noninterest expense to average assets | 3.2694% | 2,676 |
| Loan and lease loss provision to assets | 0.6001% | 2,545 |
| Net operating income to assets | -0.3818% | 6,502 |
| Return on assets (ROA) | -0.3818% | 6,551 |
| Pretax return on assets | -0.3818% | 6,480 |
| Return on Equity (ROE) | -2.7337% | 6,471 |
| Retained earnings to average equity (ytd only) | -2.7337% | 6,318 |
| Net charge-offs to loans | 3.9643% | 312 |
| Credit loss provision to net charge-offs | 23.7826% | 6,216 |
| Earnings coverage of net charge-offs (x) | 0.0865% | 5,942 |
| Efficiency ratio | 93.7402% | 1,016 |
| Assets per employee ($millions) | 4.4299% | 3,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0476% | 788 |
| Loan loss allowance to noncurrent loans | 90.0388% | 3,048 |
| Noncurrent assets plus other real estate owned to assets | 4.2749% | 1,596 |
| Noncurrent loans to loans | 3.3848% | 2,349 |
| Net loans and leases to total assets | 52.1318% | 6,083 |
| Net loans and leases to deposits | 63.8239% | 5,937 |
| Net loans and leases to core deposits | 71.7513% | 5,542 |
| Total domestic deposits to total assets | 81.6808% | 5,136 |
| Equity capital to assets | 15.2760% | 830 |
| Core capital (leverage) ratio | 15.8552% | 581 |
| Tier 1 risk-based capital ratio | 22.7079% | 1,108 |
| Total risk-based capital ratio | 23.9731% | 1,074 |
| Memoranda: | ||
| Average total assets | $121,526,250 | 4,517 |
| Average earning assets | $111,732,500 | 4,489 |
| Average equity | $16,973,000 | 3,642 |
| Average total loans | $77,355,750 | 4,487 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8474% | 5,616 |
| Cost of funding earning assets | 1.5790% | 2,777 |
| Net interest margin | 3.2684% | 6,111 |
| Noninterest income to average assets | 0.6290% | 3,137 |
| Noninterest expense to average assets | 3.3977% | 2,269 |
| Loan and lease loss provision to assets | 0.8486% | 1,717 |
| Net operating income to assets | -0.6238% | 6,757 |
| Return on assets (ROA) | -0.6238% | 6,784 |
| Pretax return on assets | -0.6238% | 6,679 |
| Return on Equity (ROE) | -4.6456% | 6,666 |
| Retained earnings to average equity (ytd only) | -4.6456% | 6,511 |
| Net charge-offs to loans | 5.0764% | 201 |
| Credit loss provision to net charge-offs | 24.6832% | 5,808 |
| Earnings coverage of net charge-offs (x) | 0.0654% | 5,657 |
| Efficiency ratio | 93.7951% | 1,077 |
| Assets per employee ($millions) | 4.1145% | 3,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3305% | 628 |
| Loan loss allowance to noncurrent loans | 114.5511% | 2,437 |
| Noncurrent assets plus other real estate owned to assets | 4.7848% | 1,354 |
| Noncurrent loans to loans | 2.9074% | 2,751 |
| Net loans and leases to total assets | 58.9392% | 5,258 |
| Net loans and leases to deposits | 73.8920% | 4,693 |
| Net loans and leases to core deposits | 90.0119% | 3,260 |
| Total domestic deposits to total assets | 79.7640% | 5,800 |
| Equity capital to assets | 16.8757% | 545 |
| Core capital (leverage) ratio | 17.3835% | 408 |
| Tier 1 risk-based capital ratio | 24.7362% | 868 |
| Total risk-based capital ratio | 25.9558% | 856 |
| Memoranda: | ||
| Average total assets | $114,782,330 | 4,683 |
| Average earning assets | $105,129,000 | 4,664 |
| Average equity | $15,412,330 | 3,910 |
| Average total loans | $77,733,000 | 4,516 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7955% | 5,902 |
| Cost of funding earning assets | 1.6251% | 2,802 |
| Net interest margin | 3.1704% | 6,380 |
| Noninterest income to average assets | 0.5609% | 3,555 |
| Noninterest expense to average assets | 3.2436% | 2,720 |
| Loan and lease loss provision to assets | 1.1033% | 1,110 |
| Net operating income to assets | -0.8561% | 7,039 |
| Return on assets (ROA) | -0.8561% | 7,067 |
| Pretax return on assets | -0.8561% | 6,981 |
| Return on Equity (ROE) | -7.5105% | 7,030 |
| Retained earnings to average equity (ytd only) | -7.5105% | 6,790 |
| Net charge-offs to loans | 1.6316% | 1,068 |
| Credit loss provision to net charge-offs | 94.3218% | 3,559 |
| Earnings coverage of net charge-offs (x) | 0.2114% | 4,851 |
| Efficiency ratio | 92.9175% | 1,208 |
| Assets per employee ($millions) | 5.0993% | 2,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1272% | 162 |
| Loan loss allowance to noncurrent loans | 76.5083% | 3,545 |
| Noncurrent assets plus other real estate owned to assets | 6.5986% | 853 |
| Noncurrent loans to loans | 6.7015% | 923 |
| Net loans and leases to total assets | 64.0238% | 4,323 |
| Net loans and leases to deposits | 78.1014% | 4,020 |
| Net loans and leases to core deposits | 105.6743% | 1,601 |
| Total domestic deposits to total assets | 81.9752% | 5,079 |
| Equity capital to assets | 14.2996% | 1,067 |
| Core capital (leverage) ratio | 15.7884% | 615 |
| Tier 1 risk-based capital ratio | 20.8539% | 1,365 |
| Total risk-based capital ratio | 22.0853% | 1,341 |
| Memoranda: | ||
| Average total assets | $108,398,500 | 4,913 |
| Average earning assets | $100,177,500 | 4,875 |
| Average equity | $12,356,000 | 4,626 |
| Average total loans | $77,716,000 | 4,585 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1893% | 5,695 |
| Cost of funding earning assets | 2.1753% | 2,137 |
| Net interest margin | 3.0141% | 6,609 |
| Noninterest income to average assets | -0.0329% | 7,752 |
| Noninterest expense to average assets | 4.5407% | 768 |
| Loan and lease loss provision to assets | 6.1883% | 102 |
| Net operating income to assets | -7.9390% | 7,930 |
| Return on assets (ROA) | -7.9432% | 7,925 |
| Pretax return on assets | -7.9432% | 7,911 |
| Return on Equity (ROE) | -56.1880% | 7,734 |
| Retained earnings to average equity (ytd only) | -56.1880% | 7,729 |
| Net charge-offs to loans | 3.8180% | 455 |
| Credit loss provision to net charge-offs | 214.6171% | 1,784 |
| Earnings coverage of net charge-offs (x) | -0.6071% | 6,758 |
| Efficiency ratio | 162.7473% | 242 |
| Assets per employee ($millions) | 4.9757% | 2,252 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3431% | 138 |
| Loan loss allowance to noncurrent loans | 96.6106% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 6.7659% | 768 |
| Noncurrent loans to loans | 5.5306% | 1,161 |
| Net loans and leases to total assets | 72.5616% | 2,619 |
| Net loans and leases to deposits | 83.4362% | 3,369 |
| Net loans and leases to core deposits | 131.8982% | 1,181 |
| Total domestic deposits to total assets | 86.9667% | 2,532 |
| Equity capital to assets | 7.9798% | 6,605 |
| Core capital (leverage) ratio | 8.0144% | 6,163 |
| Tier 1 risk-based capital ratio | 10.5948% | 6,303 |
| Total risk-based capital ratio | 11.8676% | 6,259 |
| Memoranda: | ||
| Average total assets | $94,193,200 | 5,265 |
| Average earning assets | $88,219,200 | 5,185 |
| Average equity | $13,316,000 | 4,427 |
| Average total loans | $71,136,000 | 4,831 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1931% | 5,904 |
| Cost of funding earning assets | 2.3381% | 1,849 |
| Net interest margin | 2.8550% | 6,957 |
| Noninterest income to average assets | 0.4968% | 4,512 |
| Noninterest expense to average assets | 2.9017% | 4,447 |
| Loan and lease loss provision to assets | 4.2800% | 248 |
| Net operating income to assets | -3.9886% | 7,749 |
| Return on assets (ROA) | -3.9943% | 7,753 |
| Pretax return on assets | -3.9943% | 7,688 |
| Return on Equity (ROE) | -25.3022% | 7,513 |
| Retained earnings to average equity (ytd only) | -25.3022% | 7,492 |
| Net charge-offs to loans | 4.4571% | 289 |
| Credit loss provision to net charge-offs | 127.6660% | 3,932 |
| Earnings coverage of net charge-offs (x) | 0.0869% | 5,960 |
| Efficiency ratio | 90.8723% | 1,619 |
| Assets per employee ($millions) | 5.5413% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1700% | 1,474 |
| Loan loss allowance to noncurrent loans | 60.3377% | 4,348 |
| Noncurrent assets plus other real estate owned to assets | 4.3943% | 1,400 |
| Noncurrent loans to loans | 3.5965% | 2,071 |
| Net loans and leases to total assets | 72.6788% | 2,865 |
| Net loans and leases to deposits | 87.5941% | 3,043 |
| Net loans and leases to core deposits | 131.2619% | 1,360 |
| Total domestic deposits to total assets | 82.9722% | 4,235 |
| Equity capital to assets | 12.6275% | 1,870 |
| Core capital (leverage) ratio | 12.4754% | 1,593 |
| Tier 1 risk-based capital ratio | 17.2923% | 2,187 |
| Total risk-based capital ratio | 18.5542% | 2,128 |
| Memoranda: | ||
| Average total assets | $92,863,000 | 5,341 |
| Average earning assets | $87,704,250 | 5,242 |
| Average equity | $14,659,750 | 4,154 |
| Average total loans | $69,848,750 | 4,922 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2517% | 5,858 |
| Cost of funding earning assets | 2.4187% | 1,884 |
| Net interest margin | 2.8331% | 6,951 |
| Noninterest income to average assets | 0.4549% | 4,816 |
| Noninterest expense to average assets | 3.0430% | 3,903 |
| Loan and lease loss provision to assets | 0.6581% | 2,456 |
| Net operating income to assets | -0.5587% | 6,609 |
| Return on assets (ROA) | -0.5609% | 6,618 |
| Pretax return on assets | -0.5609% | 6,487 |
| Return on Equity (ROE) | -3.3099% | 6,400 |
| Retained earnings to average equity (ytd only) | -3.3099% | 6,019 |
| Net charge-offs to loans | 0.6634% | 2,375 |
| Credit loss provision to net charge-offs | 131.2775% | 3,551 |
| Earnings coverage of net charge-offs (x) | 0.1982% | 5,473 |
| Efficiency ratio | 96.8377% | 1,320 |
| Assets per employee ($millions) | 5.6394% | 1,462 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4117% | 3,663 |
| Loan loss allowance to noncurrent loans | 193.8086% | 1,561 |
| Noncurrent assets plus other real estate owned to assets | 2.5761% | 2,504 |
| Noncurrent loans to loans | 0.7284% | 5,785 |
| Net loans and leases to total assets | 71.0696% | 3,449 |
| Net loans and leases to deposits | 85.9867% | 3,554 |
| Net loans and leases to core deposits | 125.1205% | 1,940 |
| Total domestic deposits to total assets | 82.6518% | 4,400 |
| Equity capital to assets | 14.9859% | 1,028 |
| Core capital (leverage) ratio | 16.1475% | 726 |
| Tier 1 risk-based capital ratio | 19.7925% | 1,617 |
| Total risk-based capital ratio | 21.0434% | 1,572 |
| Memoranda: | ||
| Average total assets | $90,569,670 | 5,442 |
| Average earning assets | $85,914,330 | 5,342 |
| Average equity | $15,348,000 | 4,051 |
| Average total loans | $68,431,670 | 5,020 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5143% | 4,830 |
| Cost of funding earning assets | 2.4376% | 2,148 |
| Net interest margin | 3.0767% | 6,265 |
| Noninterest income to average assets | 0.4418% | 4,858 |
| Noninterest expense to average assets | 3.0129% | 3,708 |
| Loan and lease loss provision to assets | 0.3807% | 3,038 |
| Net operating income to assets | -0.0329% | 6,307 |
| Return on assets (ROA) | -0.0329% | 6,437 |
| Pretax return on assets | -0.0329% | 6,416 |
| Return on Equity (ROE) | -0.1816% | 6,425 |
| Retained earnings to average equity (ytd only) | -0.1816% | 5,681 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6503% | 1,750 |
| Assets per employee ($millions) | 5.6881% | 1,404 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5009% | 2,984 |
| Loan loss allowance to noncurrent loans | 222.3881% | 1,501 |
| Noncurrent assets plus other real estate owned to assets | 2.3701% | 2,415 |
| Noncurrent loans to loans | 0.6749% | 5,718 |
| Net loans and leases to total assets | 75.2082% | 2,455 |
| Net loans and leases to deposits | 90.9957% | 2,776 |
| Net loans and leases to core deposits | 124.7621% | 2,012 |
| Total domestic deposits to total assets | 82.6503% | 4,312 |
| Equity capital to assets | 16.9663% | 725 |
| Core capital (leverage) ratio | 18.5836% | 486 |
| Tier 1 risk-based capital ratio | 22.2450% | 1,272 |
| Total risk-based capital ratio | 23.4983% | 1,236 |
| Memoranda: | ||
| Average total assets | $85,100,000 | 5,641 |
| Average earning assets | $80,735,000 | 5,527 |
| Average equity | $15,416,000 | 4,056 |
| Average total loans | $66,060,000 | 5,131 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3311% | 3,782 |
| Cost of funding earning assets | 2.4097% | 4,678 |
| Net interest margin | 3.9213% | 3,476 |
| Noninterest income to average assets | 0.3942% | 5,517 |
| Noninterest expense to average assets | 4.0031% | 1,417 |
| Loan and lease loss provision to assets | 0.7947% | 1,870 |
| Net operating income to assets | -0.6685% | 7,047 |
| Return on assets (ROA) | -0.6685% | 6,944 |
| Pretax return on assets | -0.6685% | 6,787 |
| Return on Equity (ROE) | -2.7479% | 6,589 |
| Retained earnings to average equity (ytd only) | -2.7479% | 6,042 |
| Net charge-offs to loans | 0.1259% | 4,981 |
| Credit loss provision to net charge-offs | 809.5238% | 537 |
| Earnings coverage of net charge-offs (x) | 1.2857% | 5,486 |
| Efficiency ratio | 96.9434% | 1,100 |
| Assets per employee ($millions) | 4.9494% | 1,996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5360% | 2,519 |
| Loan loss allowance to noncurrent loans | 205.1173% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 2.7491% | 1,717 |
| Noncurrent loans to loans | 0.7488% | 5,155 |
| Net loans and leases to total assets | 77.8735% | 2,174 |
| Net loans and leases to deposits | 97.3403% | 2,223 |
| Net loans and leases to core deposits | 123.1857% | 2,385 |
| Total domestic deposits to total assets | 80.0013% | 5,024 |
| Equity capital to assets | 19.4355% | 504 |
| Core capital (leverage) ratio | 19.5774% | 461 |
| Tier 1 risk-based capital ratio | 24.5823% | 1,026 |
| Total risk-based capital ratio | 25.8507% | 1,001 |
| Memoranda: | ||
| Average total assets | $64,175,000 | 6,225 |
| Average earning assets | $61,127,000 | 6,127 |
| Average equity | $15,611,800 | 4,001 |
| Average total loans | $50,047,000 | 5,701 |