Home > FIRST GREEN BANK > Performance and Condition Ratios
FIRST GREEN 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 | 4.8836% | 1,205 |
| Cost of funding earning assets | 0.8559% | 1,090 |
| Net interest margin | 4.0278% | 1,861 |
| Noninterest income to average assets | 0.5518% | 2,561 |
| Noninterest expense to average assets | 2.2854% | 4,135 |
| Loan and lease loss provision to assets | 0.1761% | 1,042 |
| Net operating income to assets | 1.3610% | 1,614 |
| Return on assets (ROA) | 1.3610% | 1,623 |
| Pretax return on assets | 1.8188% | 974 |
| Return on Equity (ROE) | 13.1691% | 1,366 |
| Retained earnings to average equity (ytd only) | 13.1691% | 338 |
| Net charge-offs to loans | 0.0198% | 2,744 |
| Credit loss provision to net charge-offs | 1,050.5263% | 404 |
| Earnings coverage of net charge-offs (x) | 119.0349% | 662 |
| Efficiency ratio | 53.3941% | 4,669 |
| Assets per employee ($millions) | 8.2338% | 591 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 3,705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0456% | 4,746 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 83.8050% | 476 |
| Net loans and leases to deposits | 100.6308% | 729 |
| Net loans and leases to core deposits | 110.2456% | 1,018 |
| Total domestic deposits to total assets | 83.2796% | 3,209 |
| Equity capital to assets | 10.2638% | 3,385 |
| Core capital (leverage) ratio | 10.6640% | 2,920 |
| Tier 1 risk-based capital ratio | 11.7054% | 4,667 |
| Total risk-based capital ratio | 12.6620% | 4,723 |
| Memoranda: | ||
| Average total assets | $755,778,500 | 994 |
| Average earning assets | $699,628,250 | 985 |
| Average equity | $78,110,000 | 1,045 |
| Average total loans | $638,888,500 | 849 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8424% | 1,142 |
| Cost of funding earning assets | 0.7951% | 1,144 |
| Net interest margin | 4.0473% | 1,701 |
| Noninterest income to average assets | 0.5551% | 2,554 |
| Noninterest expense to average assets | 2.3504% | 4,024 |
| Loan and lease loss provision to assets | 0.2352% | 675 |
| Net operating income to assets | 1.2869% | 1,834 |
| Return on assets (ROA) | 1.2869% | 1,831 |
| Pretax return on assets | 1.7193% | 1,170 |
| Return on Equity (ROE) | 12.4210% | 1,572 |
| Retained earnings to average equity (ytd only) | 12.4210% | 460 |
| Net charge-offs to loans | 0.0275% | 2,302 |
| Credit loss provision to net charge-offs | 1,013.9535% | 399 |
| Earnings coverage of net charge-offs (x) | 84.2558% | 798 |
| Efficiency ratio | 54.5990% | 4,629 |
| Assets per employee ($millions) | 7.6849% | 713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0017% | 3,829 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 4,797 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 83.6812% | 496 |
| Net loans and leases to deposits | 98.6609% | 914 |
| Net loans and leases to core deposits | 108.9178% | 1,057 |
| Total domestic deposits to total assets | 84.8170% | 2,743 |
| Equity capital to assets | 9.9947% | 3,626 |
| Core capital (leverage) ratio | 10.5202% | 3,013 |
| Tier 1 risk-based capital ratio | 11.1703% | 4,960 |
| Total risk-based capital ratio | 12.1009% | 5,021 |
| Memoranda: | ||
| Average total assets | $741,478,670 | 1,009 |
| Average earning assets | $686,975,330 | 1,003 |
| Average equity | $76,821,670 | 1,062 |
| Average total loans | $626,468,000 | 864 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8171% | 1,042 |
| Cost of funding earning assets | 0.7245% | 1,318 |
| Net interest margin | 4.0926% | 1,457 |
| Noninterest income to average assets | 0.5075% | 2,759 |
| Noninterest expense to average assets | 2.3717% | 4,015 |
| Loan and lease loss provision to assets | 0.2546% | 577 |
| Net operating income to assets | 1.2473% | 1,817 |
| Return on assets (ROA) | 1.2473% | 1,829 |
| Pretax return on assets | 1.6660% | 1,204 |
| Return on Equity (ROE) | 11.8082% | 1,647 |
| Retained earnings to average equity (ytd only) | 11.8082% | 716 |
| Net charge-offs to loans | 0.0449% | 1,666 |
| Credit loss provision to net charge-offs | 670.5882% | 484 |
| Earnings coverage of net charge-offs (x) | 50.5882% | 939 |
| Efficiency ratio | 55.2549% | 4,670 |
| Assets per employee ($millions) | 7.4577% | 786 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0026% | 3,938 |
| Loan loss allowance to noncurrent loans | 4,146.7105% | 191 |
| Noncurrent assets plus other real estate owned to assets | 0.0706% | 4,735 |
| Noncurrent loans to loans | 0.0242% | 4,874 |
| Net loans and leases to total assets | 85.1581% | 328 |
| Net loans and leases to deposits | 98.7358% | 808 |
| Net loans and leases to core deposits | 120.7193% | 566 |
| Total domestic deposits to total assets | 86.2485% | 2,425 |
| Equity capital to assets | 10.4800% | 3,095 |
| Core capital (leverage) ratio | 11.0630% | 2,365 |
| Tier 1 risk-based capital ratio | 11.3413% | 4,958 |
| Total risk-based capital ratio | 12.2594% | 5,026 |
| Memoranda: | ||
| Average total assets | $716,444,000 | 1,048 |
| Average earning assets | $662,560,500 | 1,051 |
| Average equity | $75,676,000 | 1,086 |
| Average total loans | $605,162,500 | 887 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6066% | 1,409 |
| Cost of funding earning assets | 0.5937% | 1,638 |
| Net interest margin | 4.0129% | 1,711 |
| Noninterest income to average assets | 0.5286% | 2,827 |
| Noninterest expense to average assets | 2.7937% | 2,799 |
| Loan and lease loss provision to assets | 0.1743% | 1,250 |
| Net operating income to assets | 0.7242% | 3,498 |
| Return on assets (ROA) | 0.7253% | 3,532 |
| Pretax return on assets | 1.2480% | 2,563 |
| Return on Equity (ROE) | 6.5427% | 3,509 |
| Retained earnings to average equity (ytd only) | 6.5427% | 1,262 |
| Net charge-offs to loans | 0.0581% | 2,646 |
| Credit loss provision to net charge-offs | 362.1262% | 815 |
| Earnings coverage of net charge-offs (x) | 29.5150% | 1,567 |
| Efficiency ratio | 66.2910% | 3,205 |
| Assets per employee ($millions) | 6.8159% | 1,051 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0169% | 3,833 |
| Loan loss allowance to noncurrent loans | 1,787.0091% | 386 |
| Noncurrent assets plus other real estate owned to assets | 0.0830% | 4,705 |
| Noncurrent loans to loans | 0.0569% | 4,740 |
| Net loans and leases to total assets | 82.0082% | 682 |
| Net loans and leases to deposits | 93.4294% | 1,336 |
| Net loans and leases to core deposits | 113.8703% | 805 |
| Total domestic deposits to total assets | 87.7756% | 1,616 |
| Equity capital to assets | 10.6489% | 2,992 |
| Core capital (leverage) ratio | 11.3227% | 2,083 |
| Tier 1 risk-based capital ratio | 11.4943% | 4,852 |
| Total risk-based capital ratio | 12.3955% | 4,947 |
| Memoranda: | ||
| Average total assets | $625,381,200 | 1,156 |
| Average earning assets | $574,374,400 | 1,152 |
| Average equity | $69,329,200 | 1,146 |
| Average total loans | $518,124,000 | 986 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5892% | 1,398 |
| Cost of funding earning assets | 0.6008% | 1,523 |
| Net interest margin | 3.9885% | 1,744 |
| Noninterest income to average assets | 0.4935% | 3,062 |
| Noninterest expense to average assets | 2.7827% | 2,788 |
| Loan and lease loss provision to assets | 0.1922% | 1,002 |
| Net operating income to assets | 0.7423% | 3,768 |
| Return on assets (ROA) | 0.7438% | 3,829 |
| Pretax return on assets | 1.1789% | 2,991 |
| Return on Equity (ROE) | 6.6340% | 3,847 |
| Retained earnings to average equity (ytd only) | 6.6340% | 1,888 |
| Net charge-offs to loans | 0.0624% | 2,221 |
| Credit loss provision to net charge-offs | 371.9149% | 826 |
| Earnings coverage of net charge-offs (x) | 26.4805% | 1,681 |
| Efficiency ratio | 67.0305% | 3,043 |
| Assets per employee ($millions) | 6.0440% | 1,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 3,919 |
| Loan loss allowance to noncurrent loans | 896.7341% | 647 |
| Noncurrent assets plus other real estate owned to assets | 0.0985% | 4,745 |
| Noncurrent loans to loans | 0.1146% | 4,601 |
| Net loans and leases to total assets | 85.1001% | 329 |
| Net loans and leases to deposits | 96.9560% | 1,010 |
| Net loans and leases to core deposits | 120.1326% | 583 |
| Total domestic deposits to total assets | 87.7719% | 1,485 |
| Equity capital to assets | 11.3028% | 2,573 |
| Core capital (leverage) ratio | 11.5388% | 1,989 |
| Tier 1 risk-based capital ratio | 11.7912% | 4,776 |
| Total risk-based capital ratio | 12.7069% | 4,874 |
| Memoranda: | ||
| Average total assets | $606,217,250 | 1,190 |
| Average earning assets | $555,957,000 | 1,203 |
| Average equity | $67,971,750 | 1,178 |
| Average total loans | $502,244,250 | 1,024 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5261% | 1,450 |
| Cost of funding earning assets | 0.6139% | 1,364 |
| Net interest margin | 3.9122% | 1,885 |
| Noninterest income to average assets | 0.4916% | 3,074 |
| Noninterest expense to average assets | 2.8295% | 2,650 |
| Loan and lease loss provision to assets | 0.1893% | 990 |
| Net operating income to assets | 0.6619% | 4,018 |
| Return on assets (ROA) | 0.6643% | 4,062 |
| Pretax return on assets | 1.0499% | 3,375 |
| Return on Equity (ROE) | 5.9422% | 4,075 |
| Retained earnings to average equity (ytd only) | 5.9422% | 2,155 |
| Net charge-offs to loans | 0.0443% | 2,316 |
| Credit loss provision to net charge-offs | 522.4299% | 642 |
| Earnings coverage of net charge-offs (x) | 34.1028% | 1,376 |
| Efficiency ratio | 69.6069% | 2,750 |
| Assets per employee ($millions) | 6.0338% | 1,436 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0875% | 3,656 |
| Loan loss allowance to noncurrent loans | 810.7558% | 677 |
| Noncurrent assets plus other real estate owned to assets | 0.1056% | 4,775 |
| Noncurrent loans to loans | 0.1341% | 4,579 |
| Net loans and leases to total assets | 77.8537% | 1,265 |
| Net loans and leases to deposits | 87.9476% | 1,992 |
| Net loans and leases to core deposits | 108.8541% | 1,060 |
| Total domestic deposits to total assets | 88.5228% | 1,191 |
| Equity capital to assets | 11.1005% | 2,705 |
| Core capital (leverage) ratio | 11.8125% | 1,755 |
| Tier 1 risk-based capital ratio | 12.2582% | 4,455 |
| Total risk-based capital ratio | 13.1978% | 4,558 |
| Memoranda: | ||
| Average total assets | $590,706,000 | 1,220 |
| Average earning assets | $539,538,670 | 1,236 |
| Average equity | $66,036,000 | 1,214 |
| Average total loans | $482,573,000 | 1,071 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5291% | 1,306 |
| Cost of funding earning assets | 0.6110% | 1,294 |
| Net interest margin | 3.9181% | 1,716 |
| Noninterest income to average assets | 0.4662% | 3,214 |
| Noninterest expense to average assets | 3.0230% | 2,101 |
| Loan and lease loss provision to assets | 0.2042% | 805 |
| Net operating income to assets | 0.5659% | 4,300 |
| Return on assets (ROA) | 0.5683% | 4,333 |
| Pretax return on assets | 0.8411% | 3,967 |
| Return on Equity (ROE) | 5.0631% | 4,362 |
| Retained earnings to average equity (ytd only) | 5.0631% | 2,854 |
| Net charge-offs to loans | 0.0907% | 1,438 |
| Credit loss provision to net charge-offs | 269.8113% | 841 |
| Earnings coverage of net charge-offs (x) | 13.7642% | 1,761 |
| Efficiency ratio | 74.3720% | 2,167 |
| Assets per employee ($millions) | 5.3481% | 2,024 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1005% | 3,716 |
| Loan loss allowance to noncurrent loans | 825.1944% | 692 |
| Noncurrent assets plus other real estate owned to assets | 0.1113% | 4,824 |
| Noncurrent loans to loans | 0.1334% | 4,656 |
| Net loans and leases to total assets | 82.5541% | 509 |
| Net loans and leases to deposits | 98.3980% | 739 |
| Net loans and leases to core deposits | 116.4237% | 579 |
| Total domestic deposits to total assets | 83.8981% | 3,516 |
| Equity capital to assets | 12.2751% | 1,672 |
| Core capital (leverage) ratio | 12.7872% | 1,220 |
| Tier 1 risk-based capital ratio | 13.6399% | 3,692 |
| Total risk-based capital ratio | 14.6511% | 3,754 |
| Memoranda: | ||
| Average total assets | $560,234,500 | 1,285 |
| Average earning assets | $514,541,000 | 1,283 |
| Average equity | $62,886,000 | 1,263 |
| Average total loans | $467,404,000 | 1,096 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6923% | 1,073 |
| Cost of funding earning assets | 0.6378% | 1,124 |
| Net interest margin | 4.0545% | 1,483 |
| Noninterest income to average assets | 0.3869% | 3,985 |
| Noninterest expense to average assets | 3.2977% | 1,580 |
| Loan and lease loss provision to assets | 0.2540% | 820 |
| Net operating income to assets | 0.2838% | 5,252 |
| Return on assets (ROA) | 0.2963% | 5,298 |
| Pretax return on assets | 0.4834% | 5,059 |
| Return on Equity (ROE) | 2.6078% | 5,265 |
| Retained earnings to average equity (ytd only) | 2.6078% | 4,037 |
| Net charge-offs to loans | 0.0400% | 3,226 |
| Credit loss provision to net charge-offs | 769.5946% | 475 |
| Earnings coverage of net charge-offs (x) | 21.7500% | 1,770 |
| Efficiency ratio | 82.1246% | 1,192 |
| Assets per employee ($millions) | 5.5915% | 1,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1324% | 3,536 |
| Loan loss allowance to noncurrent loans | 648.0405% | 854 |
| Noncurrent assets plus other real estate owned to assets | 0.2491% | 4,310 |
| Noncurrent loans to loans | 0.1747% | 4,537 |
| Net loans and leases to total assets | 82.5169% | 536 |
| Net loans and leases to deposits | 93.3608% | 1,262 |
| Net loans and leases to core deposits | 106.6568% | 1,087 |
| Total domestic deposits to total assets | 88.3850% | 1,447 |
| Equity capital to assets | 10.1225% | 3,579 |
| Core capital (leverage) ratio | 10.7084% | 2,646 |
| Tier 1 risk-based capital ratio | 10.9911% | 5,352 |
| Total risk-based capital ratio | 12.0012% | 5,362 |
| Memoranda: | ||
| Average total assets | $448,460,600 | 1,516 |
| Average earning assets | $401,355,400 | 1,560 |
| Average equity | $50,961,600 | 1,494 |
| Average total loans | $370,136,000 | 1,273 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8119% | 876 |
| Cost of funding earning assets | 0.6105% | 1,261 |
| Net interest margin | 4.2014% | 1,114 |
| Noninterest income to average assets | 0.4220% | 3,755 |
| Noninterest expense to average assets | 3.3164% | 1,528 |
| Loan and lease loss provision to assets | 0.1104% | 2,087 |
| Net operating income to assets | 0.4457% | 4,887 |
| Return on assets (ROA) | 0.4634% | 4,902 |
| Pretax return on assets | 0.7514% | 4,467 |
| Return on Equity (ROE) | 3.9404% | 4,923 |
| Retained earnings to average equity (ytd only) | 3.9404% | 3,501 |
| Net charge-offs to loans | 0.0465% | 2,713 |
| Credit loss provision to net charge-offs | 288.5246% | 1,067 |
| Earnings coverage of net charge-offs (x) | 21.7954% | 1,800 |
| Efficiency ratio | 79.9017% | 1,442 |
| Assets per employee ($millions) | 5.0658% | 2,295 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1410% | 3,604 |
| Loan loss allowance to noncurrent loans | 1,145.6693% | 522 |
| Noncurrent assets plus other real estate owned to assets | 0.0775% | 5,126 |
| Noncurrent loans to loans | 0.0996% | 4,941 |
| Net loans and leases to total assets | 76.9653% | 1,369 |
| Net loans and leases to deposits | 86.8659% | 2,159 |
| Net loans and leases to core deposits | 100.7094% | 1,570 |
| Total domestic deposits to total assets | 88.6024% | 1,106 |
| Equity capital to assets | 10.7771% | 3,270 |
| Core capital (leverage) ratio | 11.6687% | 1,912 |
| Tier 1 risk-based capital ratio | 12.6198% | 4,393 |
| Total risk-based capital ratio | 13.6620% | 4,427 |
| Memoranda: | ||
| Average total assets | $424,982,000 | 1,596 |
| Average earning assets | $377,168,750 | 1,647 |
| Average equity | $49,976,500 | 1,526 |
| Average total loans | $349,500,750 | 1,341 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9103% | 704 |
| Cost of funding earning assets | 0.5948% | 1,353 |
| Net interest margin | 4.3156% | 892 |
| Noninterest income to average assets | 0.3570% | 4,217 |
| Noninterest expense to average assets | 3.3328% | 1,529 |
| Loan and lease loss provision to assets | 0.1733% | 1,275 |
| Net operating income to assets | 0.4362% | 4,919 |
| Return on assets (ROA) | 0.4463% | 4,971 |
| Pretax return on assets | 0.7248% | 4,546 |
| Return on Equity (ROE) | 3.6707% | 5,027 |
| Retained earnings to average equity (ytd only) | 3.6707% | 3,556 |
| Net charge-offs to loans | 0.0124% | 3,295 |
| Credit loss provision to net charge-offs | 1,661.9048% | 245 |
| Earnings coverage of net charge-offs (x) | 84.6190% | 674 |
| Efficiency ratio | 79.0695% | 1,626 |
| Assets per employee ($millions) | 4.5078% | 3,012 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2517% | 3,058 |
| Loan loss allowance to noncurrent loans | 271.1422% | 1,777 |
| Noncurrent assets plus other real estate owned to assets | 0.3969% | 3,904 |
| Noncurrent loans to loans | 0.4616% | 3,715 |
| Net loans and leases to total assets | 84.8986% | 342 |
| Net loans and leases to deposits | 97.5065% | 929 |
| Net loans and leases to core deposits | 113.8467% | 733 |
| Total domestic deposits to total assets | 87.0697% | 1,883 |
| Equity capital to assets | 12.6192% | 1,703 |
| Core capital (leverage) ratio | 12.6167% | 1,297 |
| Tier 1 risk-based capital ratio | 13.5912% | 3,842 |
| Total risk-based capital ratio | 14.7521% | 3,813 |
| Memoranda: | ||
| Average total assets | $402,847,670 | 1,677 |
| Average earning assets | $360,138,330 | 1,727 |
| Average equity | $48,983,000 | 1,552 |
| Average total loans | $338,480,670 | 1,379 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9110% | 680 |
| Cost of funding earning assets | 0.5873% | 1,426 |
| Net interest margin | 4.3237% | 883 |
| Noninterest income to average assets | 0.2661% | 4,830 |
| Noninterest expense to average assets | 3.1191% | 2,049 |
| Loan and lease loss provision to assets | 0.0897% | 2,182 |
| Net operating income to assets | 0.5558% | 4,389 |
| Return on assets (ROA) | 0.5764% | 4,399 |
| Pretax return on assets | 0.9403% | 3,692 |
| Return on Equity (ROE) | 4.8364% | 4,562 |
| Retained earnings to average equity (ytd only) | 4.8364% | 3,044 |
| Net charge-offs to loans | 0.0194% | 2,546 |
| Credit loss provision to net charge-offs | 556.2500% | 558 |
| Earnings coverage of net charge-offs (x) | 61.8750% | 760 |
| Efficiency ratio | 75.7650% | 2,210 |
| Assets per employee ($millions) | 5.9591% | 1,431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2469% | 3,214 |
| Loan loss allowance to noncurrent loans | 254.8758% | 1,845 |
| Noncurrent assets plus other real estate owned to assets | 0.4015% | 3,986 |
| Noncurrent loans to loans | 0.4892% | 3,714 |
| Net loans and leases to total assets | 81.0502% | 678 |
| Net loans and leases to deposits | 96.0185% | 946 |
| Net loans and leases to core deposits | 112.9990% | 713 |
| Total domestic deposits to total assets | 84.4111% | 3,351 |
| Equity capital to assets | 12.6267% | 1,604 |
| Core capital (leverage) ratio | 13.2063% | 1,081 |
| Tier 1 risk-based capital ratio | 14.1178% | 3,610 |
| Total risk-based capital ratio | 15.2625% | 3,614 |
| Memoranda: | ||
| Average total assets | $396,913,000 | 1,703 |
| Average earning assets | $353,494,500 | 1,765 |
| Average equity | $47,307,500 | 1,594 |
| Average total loans | $329,445,000 | 1,405 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0523% | 567 |
| Cost of funding earning assets | 0.6564% | 1,033 |
| Net interest margin | 4.3958% | 800 |
| Noninterest income to average assets | 0.2583% | 5,045 |
| Noninterest expense to average assets | 2.6251% | 3,837 |
| Loan and lease loss provision to assets | 0.2440% | 781 |
| Net operating income to assets | 0.8278% | 3,207 |
| Return on assets (ROA) | 0.8428% | 3,212 |
| Pretax return on assets | 1.3472% | 2,105 |
| Return on Equity (ROE) | 7.4160% | 3,297 |
| Retained earnings to average equity (ytd only) | 7.4160% | 1,124 |
| Net charge-offs to loans | 0.0014% | 4,432 |
| Credit loss provision to net charge-offs | 21,725.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 1,396.2500% | 33 |
| Efficiency ratio | 62.6071% | 4,514 |
| Assets per employee ($millions) | 5.7112% | 1,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2865% | 2,986 |
| Loan loss allowance to noncurrent loans | 277.1448% | 1,775 |
| Noncurrent assets plus other real estate owned to assets | 0.3899% | 4,033 |
| Noncurrent loans to loans | 0.4642% | 3,802 |
| Net loans and leases to total assets | 82.9186% | 492 |
| Net loans and leases to deposits | 96.7884% | 927 |
| Net loans and leases to core deposits | 111.6323% | 791 |
| Total domestic deposits to total assets | 85.6699% | 2,780 |
| Equity capital to assets | 11.1582% | 2,671 |
| Core capital (leverage) ratio | 11.1994% | 2,217 |
| Tier 1 risk-based capital ratio | 12.4107% | 4,693 |
| Total risk-based capital ratio | 13.6103% | 4,617 |
| Memoranda: | ||
| Average total assets | $356,214,600 | 1,838 |
| Average earning assets | $318,847,200 | 1,897 |
| Average equity | $40,480,200 | 1,774 |
| Average total loans | $290,222,200 | 1,504 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0491% | 564 |
| Cost of funding earning assets | 0.6774% | 943 |
| Net interest margin | 4.3717% | 843 |
| Noninterest income to average assets | 0.2635% | 5,053 |
| Noninterest expense to average assets | 2.6467% | 3,732 |
| Loan and lease loss provision to assets | 0.2570% | 655 |
| Net operating income to assets | 0.7898% | 3,477 |
| Return on assets (ROA) | 0.8100% | 3,483 |
| Pretax return on assets | 1.2902% | 2,430 |
| Return on Equity (ROE) | 7.0929% | 3,569 |
| Retained earnings to average equity (ytd only) | 7.0929% | 1,643 |
| Net charge-offs to loans | 0.0009% | 4,162 |
| Credit loss provision to net charge-offs | 33,700.0000% | 7 |
| Earnings coverage of net charge-offs (x) | 1,984.4682% | 30 |
| Efficiency ratio | 63.5881% | 4,320 |
| Assets per employee ($millions) | 6.0289% | 1,354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2927% | 3,135 |
| Loan loss allowance to noncurrent loans | 240.9535% | 1,924 |
| Noncurrent assets plus other real estate owned to assets | 0.4377% | 4,029 |
| Noncurrent loans to loans | 0.5365% | 3,738 |
| Net loans and leases to total assets | 80.5243% | 744 |
| Net loans and leases to deposits | 91.2370% | 1,496 |
| Net loans and leases to core deposits | 105.3245% | 1,148 |
| Total domestic deposits to total assets | 88.2583% | 1,421 |
| Equity capital to assets | 11.2160% | 2,784 |
| Core capital (leverage) ratio | 11.4455% | 2,081 |
| Tier 1 risk-based capital ratio | 12.6214% | 4,668 |
| Total risk-based capital ratio | 13.8094% | 4,616 |
| Memoranda: | ||
| Average total assets | $349,605,750 | 1,884 |
| Average earning assets | $311,785,750 | 1,954 |
| Average equity | $39,926,000 | 1,820 |
| Average total loans | $282,422,000 | 1,547 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0222% | 571 |
| Cost of funding earning assets | 0.6877% | 899 |
| Net interest margin | 4.3345% | 861 |
| Noninterest income to average assets | 0.2764% | 4,972 |
| Noninterest expense to average assets | 2.6696% | 3,689 |
| Loan and lease loss provision to assets | 0.3092% | 482 |
| Net operating income to assets | 0.7155% | 3,817 |
| Return on assets (ROA) | 0.7466% | 3,752 |
| Pretax return on assets | 1.2180% | 2,705 |
| Return on Equity (ROE) | 6.4952% | 3,884 |
| Retained earnings to average equity (ytd only) | 6.4952% | 1,948 |
| Net charge-offs to loans | -0.0015% | 4,562 |
| Credit loss provision to net charge-offs | -26,400.0000% | 5,653 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3563% | 4,297 |
| Assets per employee ($millions) | 6.3180% | 1,138 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2836% | 3,331 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 81.1518% | 648 |
| Net loans and leases to deposits | 91.9939% | 1,377 |
| Net loans and leases to core deposits | 107.4809% | 993 |
| Total domestic deposits to total assets | 88.2144% | 1,540 |
| Equity capital to assets | 11.3327% | 2,542 |
| Core capital (leverage) ratio | 11.6032% | 1,921 |
| Tier 1 risk-based capital ratio | 12.7212% | 4,668 |
| Total risk-based capital ratio | 13.9020% | 4,639 |
| Memoranda: | ||
| Average total assets | $341,544,670 | 1,938 |
| Average earning assets | $305,086,330 | 2,022 |
| Average equity | $39,260,000 | 1,851 |
| Average total loans | $274,918,330 | 1,601 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9891% | 580 |
| Cost of funding earning assets | 0.6881% | 906 |
| Net interest margin | 4.3011% | 876 |
| Noninterest income to average assets | 0.2938% | 4,823 |
| Noninterest expense to average assets | 2.7328% | 3,476 |
| Loan and lease loss provision to assets | 0.3792% | 323 |
| Net operating income to assets | 0.6331% | 4,131 |
| Return on assets (ROA) | 0.6862% | 3,995 |
| Pretax return on assets | 1.1028% | 3,062 |
| Return on Equity (ROE) | 5.9245% | 4,067 |
| Retained earnings to average equity (ytd only) | 5.9245% | 2,539 |
| Net charge-offs to loans | -0.0015% | 4,341 |
| Credit loss provision to net charge-offs | -31,500.0000% | 5,349 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.1422% | 4,134 |
| Assets per employee ($millions) | 5.6748% | 1,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2918% | 3,444 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 81.8190% | 484 |
| Net loans and leases to deposits | 93.0351% | 1,084 |
| Net loans and leases to core deposits | 103.3814% | 1,104 |
| Total domestic deposits to total assets | 87.9442% | 1,862 |
| Equity capital to assets | 11.5943% | 2,382 |
| Core capital (leverage) ratio | 11.6519% | 1,888 |
| Tier 1 risk-based capital ratio | 12.8572% | 4,687 |
| Total risk-based capital ratio | 14.0478% | 4,646 |
| Memoranda: | ||
| Average total assets | $332,254,500 | 2,004 |
| Average earning assets | $296,484,500 | 2,074 |
| Average equity | $38,484,000 | 1,903 |
| Average total loans | $264,353,500 | 1,657 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2816% | 456 |
| Cost of funding earning assets | 0.7319% | 945 |
| Net interest margin | 4.5497% | 678 |
| Noninterest income to average assets | 0.2661% | 5,226 |
| Noninterest expense to average assets | 2.9771% | 2,912 |
| Loan and lease loss provision to assets | 0.2175% | 1,135 |
| Net operating income to assets | 0.6990% | 3,895 |
| Return on assets (ROA) | 0.7008% | 4,008 |
| Pretax return on assets | 1.0985% | 3,089 |
| Return on Equity (ROE) | 6.1671% | 4,071 |
| Retained earnings to average equity (ytd only) | 6.1671% | 1,825 |
| Net charge-offs to loans | 0.0168% | 4,533 |
| Credit loss provision to net charge-offs | 1,639.4737% | 181 |
| Earnings coverage of net charge-offs (x) | 98.9737% | 532 |
| Efficiency ratio | 69.3904% | 3,648 |
| Assets per employee ($millions) | 5.1515% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3014% | 3,414 |
| Loan loss allowance to noncurrent loans | 827.5949% | 704 |
| Noncurrent assets plus other real estate owned to assets | 0.1198% | 5,553 |
| Noncurrent loans to loans | 0.1573% | 5,269 |
| Net loans and leases to total assets | 75.1943% | 1,383 |
| Net loans and leases to deposits | 85.6089% | 2,028 |
| Net loans and leases to core deposits | 96.0676% | 1,718 |
| Total domestic deposits to total assets | 87.8346% | 1,857 |
| Equity capital to assets | 11.5709% | 2,373 |
| Core capital (leverage) ratio | 12.0013% | 1,611 |
| Tier 1 risk-based capital ratio | 13.6756% | 4,310 |
| Total risk-based capital ratio | 14.8484% | 4,287 |
| Memoranda: | ||
| Average total assets | $286,386,400 | 2,235 |
| Average earning assets | $253,311,600 | 2,322 |
| Average equity | $32,543,600 | 2,137 |
| Average total loans | $226,597,200 | 1,852 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3446% | 416 |
| Cost of funding earning assets | 0.7338% | 971 |
| Net interest margin | 4.6108% | 605 |
| Noninterest income to average assets | 0.2593% | 5,360 |
| Noninterest expense to average assets | 3.0217% | 2,732 |
| Loan and lease loss provision to assets | 0.2434% | 899 |
| Net operating income to assets | 0.6769% | 4,067 |
| Return on assets (ROA) | 0.6793% | 4,137 |
| Pretax return on assets | 1.0659% | 3,318 |
| Return on Equity (ROE) | 6.0110% | 4,226 |
| Retained earnings to average equity (ytd only) | 6.0110% | 2,402 |
| Net charge-offs to loans | 0.0181% | 4,169 |
| Credit loss provision to net charge-offs | 1,676.6667% | 212 |
| Earnings coverage of net charge-offs (x) | 89.9310% | 640 |
| Efficiency ratio | 69.8312% | 3,542 |
| Assets per employee ($millions) | 4.9872% | 2,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 3,559 |
| Loan loss allowance to noncurrent loans | 614.3969% | 835 |
| Noncurrent assets plus other real estate owned to assets | 0.1690% | 5,516 |
| Noncurrent loans to loans | 0.2145% | 5,261 |
| Net loans and leases to total assets | 77.7456% | 983 |
| Net loans and leases to deposits | 88.2197% | 1,642 |
| Net loans and leases to core deposits | 98.9089% | 1,456 |
| Total domestic deposits to total assets | 88.1273% | 1,703 |
| Equity capital to assets | 11.1072% | 2,849 |
| Core capital (leverage) ratio | 11.5369% | 2,037 |
| Tier 1 risk-based capital ratio | 12.7723% | 4,993 |
| Total risk-based capital ratio | 13.9579% | 4,946 |
| Memoranda: | ||
| Average total assets | $275,558,500 | 2,329 |
| Average earning assets | $243,106,750 | 2,416 |
| Average equity | $31,142,250 | 2,219 |
| Average total loans | $220,450,750 | 1,911 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3517% | 402 |
| Cost of funding earning assets | 0.7129% | 1,124 |
| Net interest margin | 4.6388% | 543 |
| Noninterest income to average assets | 0.2662% | 5,298 |
| Noninterest expense to average assets | 3.1022% | 2,486 |
| Loan and lease loss provision to assets | 0.2662% | 784 |
| Net operating income to assets | 0.6577% | 4,057 |
| Return on assets (ROA) | 0.6616% | 4,134 |
| Pretax return on assets | 1.0037% | 3,462 |
| Return on Equity (ROE) | 5.8163% | 4,261 |
| Retained earnings to average equity (ytd only) | 5.8163% | 2,437 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0522% | 3,492 |
| Assets per employee ($millions) | 4.6448% | 2,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3276% | 3,709 |
| Loan loss allowance to noncurrent loans | 2,039.5973% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.0517% | 6,036 |
| Noncurrent loans to loans | 0.0651% | 5,830 |
| Net loans and leases to total assets | 78.4314% | 854 |
| Net loans and leases to deposits | 89.2709% | 1,442 |
| Net loans and leases to core deposits | 99.6431% | 1,312 |
| Total domestic deposits to total assets | 87.8578% | 1,995 |
| Equity capital to assets | 11.5401% | 2,382 |
| Core capital (leverage) ratio | 12.5345% | 1,377 |
| Tier 1 risk-based capital ratio | 13.1514% | 4,821 |
| Total risk-based capital ratio | 14.3448% | 4,790 |
| Memoranda: | ||
| Average total assets | $266,005,330 | 2,402 |
| Average earning assets | $235,102,670 | 2,489 |
| Average equity | $30,259,670 | 2,261 |
| Average total loans | $214,043,000 | 1,955 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2995% | 408 |
| Cost of funding earning assets | 0.6992% | 1,253 |
| Net interest margin | 4.6003% | 550 |
| Noninterest income to average assets | 0.2588% | 5,285 |
| Noninterest expense to average assets | 3.0806% | 2,587 |
| Loan and lease loss provision to assets | 0.2196% | 1,034 |
| Net operating income to assets | 0.7294% | 3,549 |
| Return on assets (ROA) | 0.7294% | 3,628 |
| Pretax return on assets | 1.0556% | 3,106 |
| Return on Equity (ROE) | 6.4644% | 3,773 |
| Retained earnings to average equity (ytd only) | 6.4644% | 2,311 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7238% | 3,700 |
| Assets per employee ($millions) | 4.1552% | 3,618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3344% | 3,929 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 79.7650% | 576 |
| Net loans and leases to deposits | 93.0011% | 872 |
| Net loans and leases to core deposits | 101.6656% | 1,005 |
| Total domestic deposits to total assets | 85.7678% | 3,489 |
| Equity capital to assets | 11.2946% | 2,438 |
| Core capital (leverage) ratio | 11.7530% | 1,798 |
| Tier 1 risk-based capital ratio | 12.7895% | 5,128 |
| Total risk-based capital ratio | 13.9930% | 5,102 |
| Memoranda: | ||
| Average total assets | $255,018,500 | 2,503 |
| Average earning assets | $227,117,500 | 2,582 |
| Average equity | $28,773,000 | 2,342 |
| Average total loans | $206,612,000 | 1,998 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3616% | 474 |
| Cost of funding earning assets | 0.8181% | 1,100 |
| Net interest margin | 4.5434% | 674 |
| Noninterest income to average assets | 0.3305% | 4,969 |
| Noninterest expense to average assets | 3.1193% | 2,678 |
| Loan and lease loss provision to assets | 0.3103% | 1,074 |
| Net operating income to assets | 0.6204% | 4,163 |
| Return on assets (ROA) | 0.5970% | 4,392 |
| Pretax return on assets | 0.8953% | 3,781 |
| Return on Equity (ROE) | 5.3516% | 4,473 |
| Retained earnings to average equity (ytd only) | 5.3516% | 2,381 |
| Net charge-offs to loans | -0.0017% | 5,838 |
| Credit loss provision to net charge-offs | -24,066.6667% | 6,426 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5469% | 3,560 |
| Assets per employee ($millions) | 4.1376% | 3,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3319% | 3,968 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,461 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 80.1211% | 583 |
| Net loans and leases to deposits | 93.6090% | 907 |
| Net loans and leases to core deposits | 103.9129% | 919 |
| Total domestic deposits to total assets | 85.5912% | 3,463 |
| Equity capital to assets | 11.2701% | 2,368 |
| Core capital (leverage) ratio | 11.5556% | 1,918 |
| Tier 1 risk-based capital ratio | 12.8633% | 5,076 |
| Total risk-based capital ratio | 14.0731% | 5,046 |
| Memoranda: | ||
| Average total assets | $232,651,800 | 2,697 |
| Average earning assets | $206,319,800 | 2,763 |
| Average equity | $25,954,800 | 2,551 |
| Average total loans | $181,586,200 | 2,178 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3370% | 500 |
| Cost of funding earning assets | 0.8398% | 1,098 |
| Net interest margin | 4.4971% | 744 |
| Noninterest income to average assets | 0.3066% | 5,249 |
| Noninterest expense to average assets | 3.1306% | 2,566 |
| Loan and lease loss provision to assets | 0.3701% | 848 |
| Net operating income to assets | 0.5461% | 4,599 |
| Return on assets (ROA) | 0.5135% | 4,895 |
| Pretax return on assets | 0.7443% | 4,511 |
| Return on Equity (ROE) | 4.6157% | 4,922 |
| Retained earnings to average equity (ytd only) | 4.6157% | 3,384 |
| Net charge-offs to loans | -0.0023% | 5,692 |
| Credit loss provision to net charge-offs | -21,166.6667% | 6,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9359% | 3,231 |
| Assets per employee ($millions) | 4.6085% | 2,705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3351% | 4,217 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 75.7448% | 1,041 |
| Net loans and leases to deposits | 92.5101% | 947 |
| Net loans and leases to core deposits | 102.3488% | 972 |
| Total domestic deposits to total assets | 81.8773% | 4,967 |
| Equity capital to assets | 10.8716% | 2,893 |
| Core capital (leverage) ratio | 11.8594% | 1,765 |
| Tier 1 risk-based capital ratio | 12.9655% | 5,149 |
| Total risk-based capital ratio | 14.1673% | 5,121 |
| Memoranda: | ||
| Average total assets | $228,750,250 | 2,752 |
| Average earning assets | $202,731,500 | 2,817 |
| Average equity | $25,448,750 | 2,622 |
| Average total loans | $176,584,750 | 2,240 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3003% | 525 |
| Cost of funding earning assets | 0.8810% | 981 |
| Net interest margin | 4.4193% | 820 |
| Noninterest income to average assets | 0.2957% | 5,336 |
| Noninterest expense to average assets | 3.2062% | 2,340 |
| Loan and lease loss provision to assets | 0.4517% | 641 |
| Net operating income to assets | 0.4500% | 5,013 |
| Return on assets (ROA) | 0.3927% | 5,407 |
| Pretax return on assets | 0.5043% | 5,358 |
| Return on Equity (ROE) | 3.4995% | 5,425 |
| Retained earnings to average equity (ytd only) | 3.4995% | 4,090 |
| Net charge-offs to loans | -0.0023% | 5,543 |
| Credit loss provision to net charge-offs | -24,900.0000% | 6,301 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6959% | 2,830 |
| Assets per employee ($millions) | 4.2705% | 3,225 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 4,409 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 78.3030% | 711 |
| Net loans and leases to deposits | 89.0052% | 1,229 |
| Net loans and leases to core deposits | 97.2792% | 1,261 |
| Total domestic deposits to total assets | 87.9758% | 2,263 |
| Equity capital to assets | 11.5682% | 2,242 |
| Core capital (leverage) ratio | 11.9767% | 1,629 |
| Tier 1 risk-based capital ratio | 13.2251% | 4,977 |
| Total risk-based capital ratio | 14.4045% | 4,969 |
| Memoranda: | ||
| Average total assets | $220,511,330 | 2,830 |
| Average earning assets | $196,591,000 | 2,906 |
| Average equity | $24,746,330 | 2,688 |
| Average total loans | $170,584,330 | 2,307 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2433% | 563 |
| Cost of funding earning assets | 0.8718% | 1,134 |
| Net interest margin | 4.3715% | 845 |
| Noninterest income to average assets | 0.2981% | 5,321 |
| Noninterest expense to average assets | 3.3113% | 2,055 |
| Loan and lease loss provision to assets | 0.6094% | 414 |
| Net operating income to assets | 0.3263% | 5,466 |
| Return on assets (ROA) | 0.3263% | 5,596 |
| Pretax return on assets | 0.2700% | 5,916 |
| Return on Equity (ROE) | 2.9574% | 5,600 |
| Retained earnings to average equity (ytd only) | 2.9574% | 4,506 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0157% | 2,465 |
| Assets per employee ($millions) | 4.1177% | 3,703 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3143% | 4,623 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 75.7233% | 876 |
| Net loans and leases to deposits | 85.6475% | 1,392 |
| Net loans and leases to core deposits | 93.6097% | 1,371 |
| Total domestic deposits to total assets | 88.4127% | 2,059 |
| Equity capital to assets | 11.1934% | 2,746 |
| Core capital (leverage) ratio | 11.8471% | 1,657 |
| Tier 1 risk-based capital ratio | 12.9258% | 5,283 |
| Total risk-based capital ratio | 14.0951% | 5,289 |
| Memoranda: | ||
| Average total assets | $213,329,000 | 2,946 |
| Average earning assets | $189,957,500 | 3,013 |
| Average equity | $23,534,000 | 2,851 |
| Average total loans | $162,689,500 | 2,412 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2354% | 1,048 |
| Cost of funding earning assets | 1.0368% | 1,179 |
| Net interest margin | 4.1986% | 1,667 |
| Noninterest income to average assets | 0.3303% | 5,091 |
| Noninterest expense to average assets | 3.2768% | 2,405 |
| Loan and lease loss provision to assets | 0.2410% | 2,721 |
| Net operating income to assets | 0.3365% | 5,345 |
| Return on assets (ROA) | 0.4604% | 5,088 |
| Pretax return on assets | 0.7396% | 4,520 |
| Return on Equity (ROE) | 4.0041% | 5,139 |
| Retained earnings to average equity (ytd only) | 3.7843% | 3,549 |
| Net charge-offs to loans | 0.0190% | 5,642 |
| Credit loss provision to net charge-offs | 1,723.0769% | 133 |
| Earnings coverage of net charge-offs (x) | 56.2692% | 626 |
| Efficiency ratio | 80.6353% | 2,065 |
| Assets per employee ($millions) | 3.8497% | 4,272 |
| Cash dividends to net income (ytd only)* | 5.4907% | 4,189 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2922% | 4,672 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 74.7525% | 1,088 |
| Net loans and leases to deposits | 84.4773% | 1,701 |
| Net loans and leases to core deposits | 92.2453% | 1,615 |
| Total domestic deposits to total assets | 88.4882% | 1,907 |
| Equity capital to assets | 10.8489% | 3,121 |
| Core capital (leverage) ratio | 10.9186% | 2,322 |
| Tier 1 risk-based capital ratio | 12.5735% | 5,423 |
| Total risk-based capital ratio | 13.7139% | 5,455 |
| Memoranda: | ||
| Average total assets | $185,915,200 | 3,223 |
| Average earning assets | $165,318,000 | 3,299 |
| Average equity | $21,378,000 | 3,057 |
| Average total loans | $136,603,400 | 2,762 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2282% | 1,138 |
| Cost of funding earning assets | 1.0705% | 1,194 |
| Net interest margin | 4.1577% | 1,875 |
| Noninterest income to average assets | 0.3203% | 5,225 |
| Noninterest expense to average assets | 3.1032% | 2,880 |
| Loan and lease loss provision to assets | 0.2384% | 2,665 |
| Net operating income to assets | 0.4190% | 5,168 |
| Return on assets (ROA) | 0.4775% | 5,187 |
| Pretax return on assets | 0.7648% | 4,614 |
| Return on Equity (ROE) | 4.0889% | 5,255 |
| Retained earnings to average equity (ytd only) | 3.8635% | 4,172 |
| Net charge-offs to loans | 0.0271% | 5,283 |
| Credit loss provision to net charge-offs | 1,207.4074% | 226 |
| Earnings coverage of net charge-offs (x) | 46.1842% | 794 |
| Efficiency ratio | 77.2901% | 2,484 |
| Assets per employee ($millions) | 4.4608% | 2,981 |
| Cash dividends to net income (ytd only)* | 5.5132% | 3,588 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3120% | 4,762 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 70.4007% | 1,830 |
| Net loans and leases to deposits | 79.5907% | 2,459 |
| Net loans and leases to core deposits | 87.1902% | 2,317 |
| Total domestic deposits to total assets | 88.4534% | 1,750 |
| Equity capital to assets | 11.0890% | 3,166 |
| Core capital (leverage) ratio | 11.0286% | 2,351 |
| Tier 1 risk-based capital ratio | 13.2318% | 5,076 |
| Total risk-based capital ratio | 14.3684% | 5,112 |
| Memoranda: | ||
| Average total assets | $182,347,500 | 3,306 |
| Average earning assets | $162,040,250 | 3,389 |
| Average equity | $21,293,000 | 3,094 |
| Average total loans | $132,853,500 | 2,857 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1913% | 1,280 |
| Cost of funding earning assets | 1.1015% | 1,215 |
| Net interest margin | 4.0899% | 2,131 |
| Noninterest income to average assets | 0.3140% | 5,309 |
| Noninterest expense to average assets | 3.1873% | 2,635 |
| Loan and lease loss provision to assets | 0.3073% | 2,150 |
| Net operating income to assets | 0.2780% | 5,678 |
| Return on assets (ROA) | 0.3680% | 5,573 |
| Pretax return on assets | 0.5875% | 5,186 |
| Return on Equity (ROE) | 3.0943% | 5,656 |
| Retained earnings to average equity (ytd only) | 2.8672% | 4,717 |
| Net charge-offs to loans | 0.0245% | 5,045 |
| Credit loss provision to net charge-offs | 1,706.2500% | 188 |
| Earnings coverage of net charge-offs (x) | 41.8750% | 847 |
| Efficiency ratio | 80.8681% | 2,053 |
| Assets per employee ($millions) | 4.8325% | 2,381 |
| Cash dividends to net income (ytd only)* | 7.3394% | 3,375 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 4,968 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 71.4519% | 1,650 |
| Net loans and leases to deposits | 80.5923% | 2,302 |
| Net loans and leases to core deposits | 88.3382% | 2,172 |
| Total domestic deposits to total assets | 88.6584% | 1,732 |
| Equity capital to assets | 11.0234% | 3,091 |
| Core capital (leverage) ratio | 11.1980% | 2,124 |
| Tier 1 risk-based capital ratio | 12.8544% | 5,294 |
| Total risk-based capital ratio | 13.9683% | 5,373 |
| Memoranda: | ||
| Average total assets | $177,705,000 | 3,397 |
| Average earning assets | $157,609,670 | 3,472 |
| Average equity | $21,135,670 | 3,098 |
| Average total loans | $130,466,000 | 2,920 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1990% | 1,322 |
| Cost of funding earning assets | 1.1361% | 1,232 |
| Net interest margin | 4.0629% | 2,242 |
| Noninterest income to average assets | 0.3461% | 5,095 |
| Noninterest expense to average assets | 3.3289% | 2,203 |
| Loan and lease loss provision to assets | 0.3178% | 1,971 |
| Net operating income to assets | 0.1900% | 6,013 |
| Return on assets (ROA) | 0.2236% | 6,055 |
| Pretax return on assets | 0.3461% | 5,870 |
| Return on Equity (ROE) | 1.8053% | 6,133 |
| Retained earnings to average equity (ytd only) | 1.5772% | 5,447 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4683% | 1,642 |
| Assets per employee ($millions) | 3.6721% | 4,721 |
| Cash dividends to net income (ytd only)* | 12.6316% | 2,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2775% | 5,122 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 73.3072% | 1,170 |
| Net loans and leases to deposits | 83.5469% | 1,728 |
| Net loans and leases to core deposits | 90.1682% | 1,835 |
| Total domestic deposits to total assets | 87.7437% | 2,500 |
| Equity capital to assets | 11.9635% | 2,069 |
| Core capital (leverage) ratio | 12.1293% | 1,519 |
| Tier 1 risk-based capital ratio | 13.5797% | 4,767 |
| Total risk-based capital ratio | 14.6954% | 4,862 |
| Memoranda: | ||
| Average total assets | $169,908,500 | 3,519 |
| Average earning assets | $150,337,500 | 3,614 |
| Average equity | $21,049,500 | 3,101 |
| Average total loans | $125,744,000 | 3,032 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2923% | 1,726 |
| Cost of funding earning assets | 1.1707% | 2,216 |
| Net interest margin | 4.1216% | 2,346 |
| Noninterest income to average assets | 0.3112% | 5,319 |
| Noninterest expense to average assets | 3.0193% | 3,526 |
| Loan and lease loss provision to assets | 0.3645% | 2,815 |
| Net operating income to assets | 0.3483% | 5,078 |
| Return on assets (ROA) | 0.3806% | 5,120 |
| Pretax return on assets | 0.6126% | 4,654 |
| Return on Equity (ROE) | 3.0564% | 5,258 |
| Retained earnings to average equity (ytd only) | 2.9832% | 4,109 |
| Net charge-offs to loans | 0.0261% | 6,072 |
| Credit loss provision to net charge-offs | 2,000.0000% | 111 |
| Earnings coverage of net charge-offs (x) | 50.8462% | 549 |
| Efficiency ratio | 76.5187% | 2,822 |
| Assets per employee ($millions) | 3.8942% | 4,088 |
| Cash dividends to net income (ytd only)* | 2.3941% | 4,033 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2752% | 5,039 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 72.7983% | 1,494 |
| Net loans and leases to deposits | 83.9108% | 1,935 |
| Net loans and leases to core deposits | 87.8820% | 2,392 |
| Total domestic deposits to total assets | 86.7568% | 2,894 |
| Equity capital to assets | 12.8470% | 1,574 |
| Core capital (leverage) ratio | 12.6562% | 1,286 |
| Tier 1 risk-based capital ratio | 14.6362% | 3,875 |
| Total risk-based capital ratio | 15.7478% | 3,953 |
| Memoranda: | ||
| Average total assets | $142,680,000 | 3,931 |
| Average earning assets | $125,823,400 | 4,018 |
| Average equity | $17,766,000 | 3,457 |
| Average total loans | $99,637,600 | 3,628 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2412% | 2,060 |
| Cost of funding earning assets | 1.1771% | 2,470 |
| Net interest margin | 4.0641% | 2,626 |
| Noninterest income to average assets | 0.3201% | 5,310 |
| Noninterest expense to average assets | 2.9855% | 3,602 |
| Loan and lease loss provision to assets | 0.3405% | 2,842 |
| Net operating income to assets | 0.3478% | 5,212 |
| Return on assets (ROA) | 0.3696% | 5,315 |
| Pretax return on assets | 0.6014% | 4,808 |
| Return on Equity (ROE) | 2.9962% | 5,422 |
| Retained earnings to average equity (ytd only) | 2.9962% | 4,557 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6816% | 2,727 |
| Assets per employee ($millions) | 5.2774% | 1,841 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2513% | 5,240 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 69.5334% | 2,170 |
| Net loans and leases to deposits | 80.4469% | 2,596 |
| Net loans and leases to core deposits | 86.2020% | 2,750 |
| Total domestic deposits to total assets | 86.4339% | 2,970 |
| Equity capital to assets | 13.2945% | 1,467 |
| Core capital (leverage) ratio | 13.4338% | 1,069 |
| Tier 1 risk-based capital ratio | 15.3911% | 3,438 |
| Total risk-based capital ratio | 16.4567% | 3,506 |
| Memoranda: | ||
| Average total assets | $137,461,000 | 4,049 |
| Average earning assets | $120,860,500 | 4,131 |
| Average equity | $16,954,500 | 3,594 |
| Average total loans | $94,396,000 | 3,789 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2761% | 1,970 |
| Cost of funding earning assets | 1.1787% | 2,714 |
| Net interest margin | 4.0974% | 2,418 |
| Noninterest income to average assets | 0.3188% | 5,352 |
| Noninterest expense to average assets | 3.1462% | 3,091 |
| Loan and lease loss provision to assets | 0.2099% | 3,815 |
| Net operating income to assets | 0.3402% | 5,215 |
| Return on assets (ROA) | 0.3402% | 5,345 |
| Pretax return on assets | 0.5640% | 4,868 |
| Return on Equity (ROE) | 2.8480% | 5,464 |
| Retained earnings to average equity (ytd only) | 2.8480% | 4,475 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2580% | 2,352 |
| Assets per employee ($millions) | 4.7524% | 2,472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 5,412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 66.4899% | 2,932 |
| Net loans and leases to deposits | 75.0194% | 3,645 |
| Net loans and leases to core deposits | 78.0503% | 4,048 |
| Total domestic deposits to total assets | 88.6303% | 1,764 |
| Equity capital to assets | 11.1754% | 2,787 |
| Core capital (leverage) ratio | 10.9407% | 2,303 |
| Tier 1 risk-based capital ratio | 12.8698% | 5,026 |
| Total risk-based capital ratio | 13.8925% | 5,190 |
| Memoranda: | ||
| Average total assets | $130,507,670 | 4,220 |
| Average earning assets | $114,706,670 | 4,312 |
| Average equity | $15,590,000 | 3,801 |
| Average total loans | $88,701,000 | 3,974 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2338% | 2,105 |
| Cost of funding earning assets | 1.1514% | 3,151 |
| Net interest margin | 4.0824% | 2,335 |
| Noninterest income to average assets | 0.2989% | 5,528 |
| Noninterest expense to average assets | 3.2874% | 2,605 |
| Loan and lease loss provision to assets | 0.0739% | 5,077 |
| Net operating income to assets | 0.2989% | 5,410 |
| Return on assets (ROA) | 0.2989% | 5,477 |
| Pretax return on assets | 0.5495% | 4,866 |
| Return on Equity (ROE) | 2.4127% | 5,631 |
| Retained earnings to average equity (ytd only) | 2.4127% | 4,702 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0592% | 1,950 |
| Assets per employee ($millions) | 4.1459% | 3,553 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2351% | 5,459 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 66.3866% | 2,905 |
| Net loans and leases to deposits | 76.3378% | 3,364 |
| Net loans and leases to core deposits | 79.2558% | 3,849 |
| Total domestic deposits to total assets | 86.9642% | 2,960 |
| Equity capital to assets | 12.0196% | 1,908 |
| Core capital (leverage) ratio | 11.7348% | 1,715 |
| Tier 1 risk-based capital ratio | 13.9273% | 4,122 |
| Total risk-based capital ratio | 14.9588% | 4,246 |
| Memoranda: | ||
| Average total assets | $124,475,500 | 4,367 |
| Average earning assets | $110,130,000 | 4,467 |
| Average equity | $15,418,500 | 3,825 |
| Average total loans | $85,063,000 | 4,104 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0282% | 4,421 |
| Cost of funding earning assets | 1.1045% | 5,114 |
| Net interest margin | 3.9238% | 3,381 |
| Noninterest income to average assets | 0.2268% | 6,184 |
| Noninterest expense to average assets | 3.5786% | 1,976 |
| Loan and lease loss provision to assets | 0.5112% | 3,107 |
| Net operating income to assets | -0.2255% | 6,140 |
| Return on assets (ROA) | -0.2248% | 6,191 |
| Pretax return on assets | -0.3004% | 6,161 |
| Return on Equity (ROE) | -1.4573% | 6,113 |
| Retained earnings to average equity (ytd only) | -1.4573% | 5,879 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.4605% | 1,040 |
| Assets per employee ($millions) | 3.8848% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2480% | 5,279 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 68.6651% | 2,821 |
| Net loans and leases to deposits | 78.7813% | 3,371 |
| Net loans and leases to core deposits | 81.8595% | 3,924 |
| Total domestic deposits to total assets | 87.1591% | 2,739 |
| Equity capital to assets | 12.7786% | 1,496 |
| Core capital (leverage) ratio | 12.2442% | 1,411 |
| Tier 1 risk-based capital ratio | 15.0198% | 3,242 |
| Total risk-based capital ratio | 16.1250% | 3,276 |
| Memoranda: | ||
| Average total assets | $100,541,600 | 4,974 |
| Average earning assets | $91,264,400 | 4,973 |
| Average equity | $15,508,600 | 3,863 |
| Average total loans | $64,668,200 | 4,881 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9374% | 5,089 |
| Cost of funding earning assets | 1.0785% | 5,555 |
| Net interest margin | 3.8589% | 3,715 |
| Noninterest income to average assets | 0.1995% | 6,468 |
| Noninterest expense to average assets | 3.7445% | 1,483 |
| Loan and lease loss provision to assets | 0.5804% | 2,609 |
| Net operating income to assets | -0.4167% | 6,533 |
| Return on assets (ROA) | -0.4157% | 6,577 |
| Pretax return on assets | -0.6097% | 6,618 |
| Return on Equity (ROE) | -2.5570% | 6,454 |
| Retained earnings to average equity (ytd only) | -2.5570% | 6,293 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.8264% | 716 |
| Assets per employee ($millions) | 3.6620% | 4,584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2345% | 5,318 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 66.7386% | 3,520 |
| Net loans and leases to deposits | 77.4467% | 3,932 |
| Net loans and leases to core deposits | 80.9676% | 4,385 |
| Total domestic deposits to total assets | 86.1736% | 2,992 |
| Equity capital to assets | 13.7339% | 1,264 |
| Core capital (leverage) ratio | 13.3050% | 1,118 |
| Tier 1 risk-based capital ratio | 16.1243% | 2,709 |
| Total risk-based capital ratio | 17.2118% | 2,728 |
| Memoranda: | ||
| Average total assets | $95,570,000 | 5,172 |
| Average earning assets | $87,034,500 | 5,174 |
| Average equity | $15,538,500 | 3,894 |
| Average total loans | $59,901,000 | 5,152 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8217% | 5,716 |
| Cost of funding earning assets | 1.0376% | 5,972 |
| Net interest margin | 3.7841% | 3,962 |
| Noninterest income to average assets | 0.1987% | 6,482 |
| Noninterest expense to average assets | 3.8243% | 1,318 |
| Loan and lease loss provision to assets | 0.6742% | 2,141 |
| Net operating income to assets | -0.5619% | 6,713 |
| Return on assets (ROA) | -0.5604% | 6,741 |
| Pretax return on assets | -0.8372% | 6,805 |
| Return on Equity (ROE) | -3.2343% | 6,538 |
| Retained earnings to average equity (ytd only) | -3.2343% | 6,329 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.5149% | 669 |
| Assets per employee ($millions) | 3.2827% | 5,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2451% | 5,214 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,438 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 65.0050% | 4,041 |
| Net loans and leases to deposits | 82.7291% | 3,129 |
| Net loans and leases to core deposits | 86.3940% | 3,775 |
| Total domestic deposits to total assets | 78.5757% | 6,137 |
| Equity capital to assets | 15.3317% | 816 |
| Core capital (leverage) ratio | 15.0801% | 707 |
| Tier 1 risk-based capital ratio | 17.9884% | 1,965 |
| Total risk-based capital ratio | 19.0547% | 1,972 |
| Memoranda: | ||
| Average total assets | $89,586,000 | 5,407 |
| Average earning assets | $81,920,670 | 5,371 |
| Average equity | $15,521,000 | 3,886 |
| Average total loans | $54,298,000 | 5,408 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6317% | 6,465 |
| Cost of funding earning assets | 1.0106% | 6,328 |
| Net interest margin | 3.6211% | 4,618 |
| Noninterest income to average assets | 0.2060% | 6,488 |
| Noninterest expense to average assets | 4.3786% | 651 |
| Loan and lease loss provision to assets | 0.6324% | 2,006 |
| Net operating income to assets | -0.9756% | 7,093 |
| Return on assets (ROA) | -0.9725% | 7,119 |
| Pretax return on assets | -1.5042% | 7,261 |
| Return on Equity (ROE) | -5.2453% | 6,896 |
| Retained earnings to average equity (ytd only) | -5.2453% | 6,602 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 125.0342% | 389 |
| Assets per employee ($millions) | 2.9435% | 6,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2457% | 5,248 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 59.5210% | 5,198 |
| Net loans and leases to deposits | 72.2494% | 5,016 |
| Net loans and leases to core deposits | 75.7403% | 5,295 |
| Total domestic deposits to total assets | 82.3827% | 4,895 |
| Equity capital to assets | 17.4849% | 474 |
| Core capital (leverage) ratio | 17.3948% | 419 |
| Tier 1 risk-based capital ratio | 21.1337% | 1,319 |
| Total risk-based capital ratio | 22.1348% | 1,330 |
| Memoranda: | ||
| Average total assets | $83,497,500 | 5,648 |
| Average earning assets | $75,998,000 | 5,637 |
| Average equity | $15,480,500 | 3,927 |
| Average total loans | $47,954,500 | 5,759 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9213% | 7,888 |
| Cost of funding earning assets | 1.1497% | 6,822 |
| Net interest margin | 1.7717% | 7,815 |
| Noninterest income to average assets | 0.1834% | 6,776 |
| Noninterest expense to average assets | 4.7540% | 631 |
| Loan and lease loss provision to assets | 0.8824% | 2,544 |
| Net operating income to assets | -2.4092% | 7,238 |
| Return on assets (ROA) | -2.4092% | 7,244 |
| Pretax return on assets | -3.8386% | 7,493 |
| Return on Equity (ROE) | -9.2141% | 6,558 |
| Retained earnings to average equity (ytd only) | -9.2141% | 6,454 |
| Net charge-offs to loans | 0.0074% | 7,131 |
| Credit loss provision to net charge-offs | 26,700.0000% | 15 |
| Earnings coverage of net charge-offs (x) | -894.5000% | 7,243 |
| Efficiency ratio | 264.4301% | 72 |
| Assets per employee ($millions) | 2.5384% | 7,137 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2440% | 5,104 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 53.5710% | 6,239 |
| Net loans and leases to deposits | 66.7664% | 5,969 |
| Net loans and leases to core deposits | 75.6510% | 6,426 |
| Total domestic deposits to total assets | 80.2364% | 5,607 |
| Equity capital to assets | 19.7242% | 319 |
| Core capital (leverage) ratio | 18.6188% | 359 |
| Tier 1 risk-based capital ratio | 24.7792% | 866 |
| Total risk-based capital ratio | 25.7041% | 883 |
| Memoranda: | ||
| Average total assets | $60,517,500 | 6,328 |
| Average earning assets | $55,146,000 | 6,329 |
| Average equity | $15,823,500 | 3,899 |
| Average total loans | $27,122,500 | 6,797 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2396% | 8,022 |
| Cost of funding earning assets | 1.1560% | 7,023 |
| Net interest margin | 1.0836% | 8,008 |
| Noninterest income to average assets | 0.1493% | 7,113 |
| Noninterest expense to average assets | 4.8671% | 537 |
| Loan and lease loss provision to assets | 1.0429% | 1,844 |
| Net operating income to assets | -2.9844% | 7,578 |
| Return on assets (ROA) | -2.9844% | 7,588 |
| Pretax return on assets | -4.7716% | 7,783 |
| Return on Equity (ROE) | -10.2063% | 6,910 |
| Retained earnings to average equity (ytd only) | -10.2063% | 6,822 |
| Net charge-offs to loans | 0.0122% | 6,757 |
| Credit loss provision to net charge-offs | 21,300.0000% | 15 |
| Earnings coverage of net charge-offs (x) | -760.5318% | 6,986 |
| Efficiency ratio | 427.5269% | 39 |
| Assets per employee ($millions) | 2.3651% | 7,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2537% | 4,797 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 47.0684% | 7,030 |
| Net loans and leases to deposits | 60.6880% | 6,772 |
| Net loans and leases to core deposits | 68.0842% | 7,070 |
| Total domestic deposits to total assets | 77.5581% | 6,202 |
| Equity capital to assets | 22.3306% | 236 |
| Core capital (leverage) ratio | 23.4016% | 199 |
| Tier 1 risk-based capital ratio | 30.9428% | 521 |
| Total risk-based capital ratio | 31.8387% | 523 |
| Memoranda: | ||
| Average total assets | $54,460,000 | 6,592 |
| Average earning assets | $49,710,670 | 6,583 |
| Average equity | $15,924,330 | 3,925 |
| Average total loans | $21,934,670 | 7,150 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4883% | 8,142 |
| Cost of funding earning assets | 1.0274% | 7,494 |
| Net interest margin | 0.4609% | 8,144 |
| Noninterest income to average assets | 0.0909% | 7,522 |
| Noninterest expense to average assets | 5.2279% | 445 |
| Loan and lease loss provision to assets | 1.2161% | 1,415 |
| Net operating income to assets | -3.7002% | 7,788 |
| Return on assets (ROA) | -3.7002% | 7,790 |
| Pretax return on assets | -5.9376% | 7,946 |
| Return on Equity (ROE) | -10.7113% | 7,089 |
| Retained earnings to average equity (ytd only) | -10.7113% | 6,945 |
| Net charge-offs to loans | 0.0125% | 6,379 |
| Credit loss provision to net charge-offs | 28,100.0000% | 12 |
| Earnings coverage of net charge-offs (x) | -1,091.0000% | 6,627 |
| Efficiency ratio | 1,032.4786% | 20 |
| Assets per employee ($millions) | 2.0439% | 7,823 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2444% | 4,648 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 38.8265% | 7,609 |
| Net loans and leases to deposits | 53.6223% | 7,297 |
| Net loans and leases to core deposits | 57.0900% | 7,554 |
| Total domestic deposits to total assets | 72.4073% | 7,199 |
| Equity capital to assets | 27.4336% | 166 |
| Core capital (leverage) ratio | 33.6789% | 116 |
| Tier 1 risk-based capital ratio | 44.0141% | 237 |
| Total risk-based capital ratio | 44.8526% | 238 |
| Memoranda: | ||
| Average total assets | $46,214,000 | 6,973 |
| Average earning assets | $41,657,000 | 6,987 |
| Average equity | $15,964,500 | 3,930 |
| Average total loans | $15,992,000 | 7,534 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.5713% | 8,226 |
| Cost of funding earning assets | 0.4414% | 8,119 |
| Net interest margin | 0.1298% | 8,229 |
| Noninterest income to average assets | 0.0114% | 8,013 |
| Noninterest expense to average assets | 4.9092% | 515 |
| Loan and lease loss provision to assets | 1.3637% | 940 |
| Net operating income to assets | -3.7842% | 7,961 |
| Return on assets (ROA) | -3.7842% | 7,954 |
| Pretax return on assets | -6.1479% | 8,059 |
| Return on Equity (ROE) | -8.2075% | 7,250 |
| Retained earnings to average equity (ytd only) | -8.2075% | 6,934 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 3,927.2727% | 4 |
| Assets per employee ($millions) | 1.1733% | 8,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2653% | 4,307 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 26.6030% | 7,990 |
| Net loans and leases to deposits | 49.3804% | 7,523 |
| Net loans and leases to core deposits | 49.9067% | 7,795 |
| Total domestic deposits to total assets | 53.8737% | 8,071 |
| Equity capital to assets | 46.1064% | 76 |
| Core capital (leverage) ratio | 116.6554% | 3 |
| Tier 1 risk-based capital ratio | 89.4057% | 73 |
| Total risk-based capital ratio | 90.0947% | 73 |
| Memoranda: | ||
| Average total assets | $35,199,000 | 7,437 |
| Average earning assets | $30,808,000 | 7,486 |
| Average equity | $16,229,000 | 3,900 |
| Average total loans | $9,484,000 | 7,931 |