Home > First Priority Bank > Performance and Condition Ratios
First Priority Bank, Performance and Condition Ratios
| 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 | 4.3473% | 2,595 |
| Cost of funding earning assets | 1.1590% | 219 |
| Net interest margin | 3.1882% | 4,534 |
| Noninterest income to average assets | 0.1436% | 5,101 |
| Noninterest expense to average assets | 2.5539% | 3,462 |
| Loan and lease loss provision to assets | 0.0113% | 3,629 |
| Net operating income to assets | 0.5224% | 4,694 |
| Return on assets (ROA) | 0.5224% | 4,700 |
| Pretax return on assets | 0.6643% | 4,606 |
| Return on Equity (ROE) | 6.3673% | 4,113 |
| Retained earnings to average equity (ytd only) | 5.7630% | 2,692 |
| Net charge-offs to loans | 0.0157% | 2,616 |
| Credit loss provision to net charge-offs | 85.3659% | 2,208 |
| Earnings coverage of net charge-offs (x) | 50.8537% | 1,116 |
| Efficiency ratio | 78.7979% | 1,138 |
| Assets per employee ($millions) | 9.0932% | 427 |
| Cash dividends to net income (ytd only)* | 9.4913% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6469% | 5,035 |
| Loan loss allowance to noncurrent loans | 1,140.6040% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.1375% | 4,300 |
| Noncurrent loans to loans | 0.0567% | 4,662 |
| Net loans and leases to total assets | 83.2025% | 559 |
| Net loans and leases to deposits | 101.6461% | 687 |
| Net loans and leases to core deposits | 143.2131% | 168 |
| Total domestic deposits to total assets | 81.8551% | 3,770 |
| Equity capital to assets | 8.1691% | 5,153 |
| Core capital (leverage) ratio | 8.1391% | 5,297 |
| Tier 1 risk-based capital ratio | 9.7645% | 5,472 |
| Total risk-based capital ratio | 12.2956% | 4,925 |
| Memoranda: | ||
| Average total assets | $617,165,670 | 1,179 |
| Average earning assets | $597,389,000 | 1,123 |
| Average equity | $50,633,670 | 1,500 |
| Average total loans | $520,871,330 | 1,004 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2942% | 2,540 |
| Cost of funding earning assets | 1.1273% | 194 |
| Net interest margin | 3.1669% | 4,562 |
| Noninterest income to average assets | 0.1699% | 5,001 |
| Noninterest expense to average assets | 2.5652% | 3,438 |
| Loan and lease loss provision to assets | 0.0131% | 3,363 |
| Net operating income to assets | 0.5130% | 4,659 |
| Return on assets (ROA) | 0.5130% | 4,660 |
| Pretax return on assets | 0.6542% | 4,561 |
| Return on Equity (ROE) | 6.2397% | 4,083 |
| Retained earnings to average equity (ytd only) | 5.6276% | 2,880 |
| Net charge-offs to loans | 0.0154% | 2,210 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 51.0500% | 935 |
| Efficiency ratio | 79.0538% | 1,253 |
| Assets per employee ($millions) | 8.7769% | 479 |
| Cash dividends to net income (ytd only)* | 9.8089% | 2,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6570% | 5,099 |
| Loan loss allowance to noncurrent loans | 567.5000% | 976 |
| Noncurrent assets plus other real estate owned to assets | 0.1693% | 4,240 |
| Noncurrent loans to loans | 0.1158% | 4,447 |
| Net loans and leases to total assets | 83.7990% | 455 |
| Net loans and leases to deposits | 100.4105% | 675 |
| Net loans and leases to core deposits | 139.1802% | 225 |
| Total domestic deposits to total assets | 83.4564% | 3,524 |
| Equity capital to assets | 8.2240% | 5,163 |
| Core capital (leverage) ratio | 8.0928% | 5,366 |
| Tier 1 risk-based capital ratio | 9.8823% | 5,520 |
| Total risk-based capital ratio | 12.4888% | 4,905 |
| Memoranda: | ||
| Average total assets | $612,034,500 | 1,197 |
| Average earning assets | $591,873,000 | 1,144 |
| Average equity | $50,323,000 | 1,520 |
| Average total loans | $518,589,500 | 1,013 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1184% | 2,989 |
| Cost of funding earning assets | 1.0018% | 209 |
| Net interest margin | 3.1166% | 4,657 |
| Noninterest income to average assets | 0.1118% | 5,363 |
| Noninterest expense to average assets | 2.3693% | 4,157 |
| Loan and lease loss provision to assets | 0.0636% | 2,956 |
| Net operating income to assets | 0.3973% | 4,699 |
| Return on assets (ROA) | 0.4412% | 4,587 |
| Pretax return on assets | 0.7533% | 4,379 |
| Return on Equity (ROE) | 5.4492% | 3,988 |
| Retained earnings to average equity (ytd only) | 4.8252% | 2,236 |
| Net charge-offs to loans | 0.0623% | 2,584 |
| Credit loss provision to net charge-offs | 124.1935% | 2,112 |
| Earnings coverage of net charge-offs (x) | 14.6161% | 2,316 |
| Efficiency ratio | 75.6555% | 1,674 |
| Assets per employee ($millions) | 8.8360% | 473 |
| Cash dividends to net income (ytd only)* | 11.4521% | 3,905 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6562% | 5,148 |
| Loan loss allowance to noncurrent loans | 377.9134% | 1,379 |
| Noncurrent assets plus other real estate owned to assets | 0.2380% | 3,950 |
| Noncurrent loans to loans | 0.1736% | 4,231 |
| Net loans and leases to total assets | 84.5553% | 390 |
| Net loans and leases to deposits | 98.5165% | 860 |
| Net loans and leases to core deposits | 138.9731% | 224 |
| Total domestic deposits to total assets | 85.8286% | 2,520 |
| Equity capital to assets | 8.2205% | 5,291 |
| Core capital (leverage) ratio | 8.0764% | 5,407 |
| Tier 1 risk-based capital ratio | 9.5786% | 5,595 |
| Total risk-based capital ratio | 12.1491% | 5,087 |
| Memoranda: | ||
| Average total assets | $605,583,600 | 1,184 |
| Average earning assets | $584,036,200 | 1,139 |
| Average equity | $49,034,600 | 1,543 |
| Average total loans | $497,517,600 | 1,034 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0806% | 3,050 |
| Cost of funding earning assets | 0.9683% | 228 |
| Net interest margin | 3.1124% | 4,680 |
| Noninterest income to average assets | 0.1107% | 5,443 |
| Noninterest expense to average assets | 2.3582% | 4,126 |
| Loan and lease loss provision to assets | 0.0364% | 3,382 |
| Net operating income to assets | 0.4909% | 4,757 |
| Return on assets (ROA) | 0.5194% | 4,707 |
| Pretax return on assets | 0.7573% | 4,459 |
| Return on Equity (ROE) | 6.4391% | 3,935 |
| Retained earnings to average equity (ytd only) | 5.8102% | 2,371 |
| Net charge-offs to loans | 0.0482% | 2,470 |
| Credit loss provision to net charge-offs | 92.6966% | 2,421 |
| Earnings coverage of net charge-offs (x) | 19.1683% | 2,014 |
| Efficiency ratio | 75.4626% | 1,668 |
| Assets per employee ($millions) | 8.8633% | 460 |
| Cash dividends to net income (ytd only)* | 9.7665% | 3,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6662% | 5,214 |
| Loan loss allowance to noncurrent loans | 428.0000% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.2167% | 4,203 |
| Noncurrent loans to loans | 0.1556% | 4,435 |
| Net loans and leases to total assets | 80.8744% | 861 |
| Net loans and leases to deposits | 98.7446% | 843 |
| Net loans and leases to core deposits | 139.1533% | 209 |
| Total domestic deposits to total assets | 81.9026% | 3,809 |
| Equity capital to assets | 8.1711% | 5,450 |
| Core capital (leverage) ratio | 8.0990% | 5,477 |
| Tier 1 risk-based capital ratio | 9.8298% | 5,625 |
| Total risk-based capital ratio | 12.4718% | 5,024 |
| Memoranda: | ||
| Average total assets | $604,558,000 | 1,195 |
| Average earning assets | $582,738,750 | 1,147 |
| Average equity | $48,763,500 | 1,565 |
| Average total loans | $492,165,250 | 1,046 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0312% | 3,089 |
| Cost of funding earning assets | 0.9166% | 273 |
| Net interest margin | 3.1146% | 4,640 |
| Noninterest income to average assets | 0.1109% | 5,476 |
| Noninterest expense to average assets | 2.3254% | 4,274 |
| Loan and lease loss provision to assets | 0.0448% | 3,094 |
| Net operating income to assets | 0.5091% | 4,681 |
| Return on assets (ROA) | 0.5334% | 4,630 |
| Pretax return on assets | 0.7755% | 4,354 |
| Return on Equity (ROE) | 6.6418% | 3,756 |
| Retained earnings to average equity (ytd only) | 6.0090% | 2,108 |
| Net charge-offs to loans | 0.0734% | 1,888 |
| Credit loss provision to net charge-offs | 75.0000% | 2,318 |
| Earnings coverage of net charge-offs (x) | 13.1333% | 2,151 |
| Efficiency ratio | 74.3968% | 1,940 |
| Assets per employee ($millions) | 8.5498% | 498 |
| Cash dividends to net income (ytd only)* | 9.5268% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6640% | 5,275 |
| Loan loss allowance to noncurrent loans | 553.9629% | 946 |
| Noncurrent assets plus other real estate owned to assets | 0.2028% | 4,355 |
| Noncurrent loans to loans | 0.1199% | 4,640 |
| Net loans and leases to total assets | 80.9561% | 816 |
| Net loans and leases to deposits | 105.9936% | 400 |
| Net loans and leases to core deposits | 148.3588% | 136 |
| Total domestic deposits to total assets | 76.3782% | 5,045 |
| Equity capital to assets | 8.1174% | 5,480 |
| Core capital (leverage) ratio | 8.0426% | 5,504 |
| Tier 1 risk-based capital ratio | 9.6568% | 5,687 |
| Total risk-based capital ratio | 12.3089% | 5,119 |
| Memoranda: | ||
| Average total assets | $602,221,670 | 1,201 |
| Average earning assets | $579,975,330 | 1,157 |
| Average equity | $48,360,670 | 1,578 |
| Average total loans | $490,247,670 | 1,049 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9727% | 3,138 |
| Cost of funding earning assets | 0.8755% | 323 |
| Net interest margin | 3.0972% | 4,655 |
| Noninterest income to average assets | 0.1374% | 5,425 |
| Noninterest expense to average assets | 2.3401% | 4,287 |
| Loan and lease loss provision to assets | 0.0067% | 3,475 |
| Net operating income to assets | 0.5288% | 4,471 |
| Return on assets (ROA) | 0.5402% | 4,465 |
| Pretax return on assets | 0.7916% | 4,135 |
| Return on Equity (ROE) | 6.7637% | 3,512 |
| Retained earnings to average equity (ytd only) | 6.1207% | 2,273 |
| Net charge-offs to loans | 0.0066% | 2,745 |
| Credit loss provision to net charge-offs | 125.0000% | 1,346 |
| Earnings coverage of net charge-offs (x) | 146.5000% | 373 |
| Efficiency ratio | 74.5781% | 2,130 |
| Assets per employee ($millions) | 8.7277% | 464 |
| Cash dividends to net income (ytd only)* | 9.5062% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6831% | 5,344 |
| Loan loss allowance to noncurrent loans | 468.6357% | 1,104 |
| Noncurrent assets plus other real estate owned to assets | 0.2280% | 4,306 |
| Noncurrent loans to loans | 0.1458% | 4,604 |
| Net loans and leases to total assets | 80.4448% | 777 |
| Net loans and leases to deposits | 103.4233% | 427 |
| Net loans and leases to core deposits | 142.7798% | 151 |
| Total domestic deposits to total assets | 77.7821% | 4,994 |
| Equity capital to assets | 8.0291% | 5,506 |
| Core capital (leverage) ratio | 7.9237% | 5,587 |
| Tier 1 risk-based capital ratio | 9.5361% | 5,770 |
| Total risk-based capital ratio | 12.2335% | 5,234 |
| Memoranda: | ||
| Average total assets | $599,813,500 | 1,207 |
| Average earning assets | $577,947,500 | 1,164 |
| Average equity | $47,903,000 | 1,586 |
| Average total loans | $488,012,000 | 1,044 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0478% | 3,032 |
| Cost of funding earning assets | 0.8634% | 358 |
| Net interest margin | 3.1844% | 4,486 |
| Noninterest income to average assets | 0.1198% | 5,581 |
| Noninterest expense to average assets | 2.5368% | 3,890 |
| Loan and lease loss provision to assets | 0.1299% | 1,919 |
| Net operating income to assets | 0.3425% | 5,100 |
| Return on assets (ROA) | 0.4400% | 4,912 |
| Pretax return on assets | 0.6562% | 4,633 |
| Return on Equity (ROE) | 5.1654% | 4,342 |
| Retained earnings to average equity (ytd only) | 4.2913% | 2,850 |
| Net charge-offs to loans | 0.0396% | 3,235 |
| Credit loss provision to net charge-offs | 405.7143% | 784 |
| Earnings coverage of net charge-offs (x) | 20.0114% | 1,878 |
| Efficiency ratio | 79.4001% | 1,494 |
| Assets per employee ($millions) | 8.4143% | 516 |
| Cash dividends to net income (ytd only)* | 16.9231% | 3,828 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6820% | 5,393 |
| Loan loss allowance to noncurrent loans | 429.1237% | 1,196 |
| Noncurrent assets plus other real estate owned to assets | 0.3786% | 3,755 |
| Noncurrent loans to loans | 0.1589% | 4,599 |
| Net loans and leases to total assets | 81.1687% | 718 |
| Net loans and leases to deposits | 103.5842% | 443 |
| Net loans and leases to core deposits | 150.9086% | 108 |
| Total domestic deposits to total assets | 78.3601% | 4,923 |
| Equity capital to assets | 7.9432% | 5,588 |
| Core capital (leverage) ratio | 7.8697% | 5,664 |
| Tier 1 risk-based capital ratio | 9.3521% | 5,830 |
| Total risk-based capital ratio | 12.0657% | 5,326 |
| Memoranda: | ||
| Average total assets | $546,632,000 | 1,268 |
| Average earning assets | $524,879,400 | 1,219 |
| Average equity | $46,559,800 | 1,623 |
| Average total loans | $442,261,000 | 1,105 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0446% | 3,058 |
| Cost of funding earning assets | 0.8654% | 353 |
| Net interest margin | 3.1792% | 4,545 |
| Noninterest income to average assets | 0.1236% | 5,627 |
| Noninterest expense to average assets | 2.5940% | 3,684 |
| Loan and lease loss provision to assets | 0.1773% | 1,262 |
| Net operating income to assets | 0.2753% | 5,331 |
| Return on assets (ROA) | 0.4103% | 5,075 |
| Pretax return on assets | 0.5993% | 4,881 |
| Return on Equity (ROE) | 4.7276% | 4,628 |
| Retained earnings to average equity (ytd only) | 3.7781% | 3,620 |
| Net charge-offs to loans | 0.0563% | 2,558 |
| Credit loss provision to net charge-offs | 390.1099% | 853 |
| Earnings coverage of net charge-offs (x) | 12.7198% | 2,366 |
| Efficiency ratio | 81.3272% | 1,270 |
| Assets per employee ($millions) | 7.9389% | 605 |
| Cash dividends to net income (ytd only)* | 20.0853% | 3,231 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6819% | 5,460 |
| Loan loss allowance to noncurrent loans | 331.3061% | 1,498 |
| Noncurrent assets plus other real estate owned to assets | 0.4465% | 3,631 |
| Noncurrent loans to loans | 0.2058% | 4,535 |
| Net loans and leases to total assets | 84.6767% | 351 |
| Net loans and leases to deposits | 109.2107% | 273 |
| Net loans and leases to core deposits | 156.7168% | 101 |
| Total domestic deposits to total assets | 77.5352% | 4,995 |
| Equity capital to assets | 8.2248% | 5,661 |
| Core capital (leverage) ratio | 8.1794% | 5,588 |
| Tier 1 risk-based capital ratio | 9.2879% | 5,902 |
| Total risk-based capital ratio | 12.0428% | 5,389 |
| Memoranda: | ||
| Average total assets | $533,936,500 | 1,300 |
| Average earning assets | $511,977,500 | 1,258 |
| Average equity | $46,336,250 | 1,638 |
| Average total loans | $430,765,500 | 1,128 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0802% | 2,943 |
| Cost of funding earning assets | 0.8733% | 328 |
| Net interest margin | 3.2069% | 4,519 |
| Noninterest income to average assets | 0.1458% | 5,580 |
| Noninterest expense to average assets | 2.6326% | 3,604 |
| Loan and lease loss provision to assets | 0.0767% | 2,603 |
| Net operating income to assets | 0.3489% | 5,184 |
| Return on assets (ROA) | 0.4373% | 5,000 |
| Pretax return on assets | 0.6387% | 4,793 |
| Return on Equity (ROE) | 4.9446% | 4,543 |
| Retained earnings to average equity (ytd only) | 3.8429% | 3,444 |
| Net charge-offs to loans | 0.0913% | 1,934 |
| Credit loss provision to net charge-offs | 106.3830% | 2,010 |
| Earnings coverage of net charge-offs (x) | 8.1170% | 2,548 |
| Efficiency ratio | 81.3446% | 1,345 |
| Assets per employee ($millions) | 7.1346% | 824 |
| Cash dividends to net income (ytd only)* | 22.2807% | 3,121 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6714% | 5,572 |
| Loan loss allowance to noncurrent loans | 320.0684% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 0.5152% | 3,493 |
| Noncurrent loans to loans | 0.2098% | 4,602 |
| Net loans and leases to total assets | 81.9769% | 632 |
| Net loans and leases to deposits | 100.9788% | 630 |
| Net loans and leases to core deposits | 136.5634% | 218 |
| Total domestic deposits to total assets | 81.1823% | 4,220 |
| Equity capital to assets | 9.2500% | 5,023 |
| Core capital (leverage) ratio | 8.4076% | 5,440 |
| Tier 1 risk-based capital ratio | 10.5683% | 5,644 |
| Total risk-based capital ratio | 13.6371% | 4,514 |
| Memoranda: | ||
| Average total assets | $521,382,000 | 1,328 |
| Average earning assets | $499,485,330 | 1,285 |
| Average equity | $46,110,670 | 1,646 |
| Average total loans | $411,909,000 | 1,179 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9751% | 3,311 |
| Cost of funding earning assets | 0.8590% | 368 |
| Net interest margin | 3.1162% | 4,817 |
| Noninterest income to average assets | 0.1301% | 5,690 |
| Noninterest expense to average assets | 2.5946% | 3,764 |
| Loan and lease loss provision to assets | 0.0832% | 2,293 |
| Net operating income to assets | 0.3002% | 5,305 |
| Return on assets (ROA) | 0.4228% | 5,005 |
| Pretax return on assets | 0.6157% | 4,770 |
| Return on Equity (ROE) | 4.8888% | 4,535 |
| Retained earnings to average equity (ytd only) | 3.3408% | 3,825 |
| Net charge-offs to loans | 0.1194% | 1,398 |
| Credit loss provision to net charge-offs | 90.1639% | 1,763 |
| Earnings coverage of net charge-offs (x) | 5.6475% | 2,313 |
| Efficiency ratio | 82.7871% | 1,280 |
| Assets per employee ($millions) | 7.2024% | 815 |
| Cash dividends to net income (ytd only)* | 31.6637% | 2,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6813% | 5,627 |
| Loan loss allowance to noncurrent loans | 141.2690% | 2,887 |
| Noncurrent assets plus other real estate owned to assets | 0.7715% | 2,770 |
| Noncurrent loans to loans | 0.4822% | 3,735 |
| Net loans and leases to total assets | 79.3404% | 904 |
| Net loans and leases to deposits | 98.9711% | 693 |
| Net loans and leases to core deposits | 133.6397% | 228 |
| Total domestic deposits to total assets | 80.1652% | 4,710 |
| Equity capital to assets | 9.0090% | 5,164 |
| Core capital (leverage) ratio | 8.2246% | 5,633 |
| Tier 1 risk-based capital ratio | 10.3561% | 5,804 |
| Total risk-based capital ratio | 13.4239% | 4,699 |
| Memoranda: | ||
| Average total assets | $528,793,000 | 1,318 |
| Average earning assets | $506,650,500 | 1,272 |
| Average equity | $45,737,500 | 1,648 |
| Average total loans | $408,829,000 | 1,182 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0621% | 3,064 |
| Cost of funding earning assets | 0.6925% | 852 |
| Net interest margin | 3.3696% | 4,037 |
| Noninterest income to average assets | 0.1690% | 5,569 |
| Noninterest expense to average assets | 2.6713% | 3,684 |
| Loan and lease loss provision to assets | 0.1210% | 1,980 |
| Net operating income to assets | 0.4054% | 5,041 |
| Return on assets (ROA) | 0.4409% | 5,001 |
| Pretax return on assets | 0.6376% | 4,708 |
| Return on Equity (ROE) | 4.5197% | 4,735 |
| Retained earnings to average equity (ytd only) | 2.8911% | 4,005 |
| Net charge-offs to loans | 0.0329% | 3,556 |
| Credit loss provision to net charge-offs | 476.5625% | 657 |
| Earnings coverage of net charge-offs (x) | 27.8594% | 1,531 |
| Efficiency ratio | 78.5630% | 1,877 |
| Assets per employee ($millions) | 8.0326% | 548 |
| Cash dividends to net income (ytd only)* | 36.0324% | 3,054 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6831% | 5,659 |
| Loan loss allowance to noncurrent loans | 144.4444% | 2,894 |
| Noncurrent assets plus other real estate owned to assets | 0.6532% | 3,083 |
| Noncurrent loans to loans | 0.4729% | 3,774 |
| Net loans and leases to total assets | 74.3950% | 1,660 |
| Net loans and leases to deposits | 97.8438% | 831 |
| Net loans and leases to core deposits | 139.1832% | 175 |
| Total domestic deposits to total assets | 76.0344% | 5,439 |
| Equity capital to assets | 8.3128% | 5,696 |
| Core capital (leverage) ratio | 8.1116% | 5,770 |
| Tier 1 risk-based capital ratio | 9.9691% | 5,956 |
| Total risk-based capital ratio | 12.9783% | 5,033 |
| Memoranda: | ||
| Average total assets | $504,247,400 | 1,335 |
| Average earning assets | $480,297,400 | 1,290 |
| Average equity | $49,185,000 | 1,518 |
| Average total loans | $389,449,200 | 1,186 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0952% | 2,960 |
| Cost of funding earning assets | 0.6642% | 1,003 |
| Net interest margin | 3.4311% | 3,833 |
| Noninterest income to average assets | 0.1804% | 5,573 |
| Noninterest expense to average assets | 2.7368% | 3,440 |
| Loan and lease loss provision to assets | 0.1202% | 1,895 |
| Net operating income to assets | 0.4010% | 5,163 |
| Return on assets (ROA) | 0.4240% | 5,162 |
| Pretax return on assets | 0.6200% | 4,922 |
| Return on Equity (ROE) | 4.1757% | 4,964 |
| Retained earnings to average equity (ytd only) | 2.6092% | 4,554 |
| Net charge-offs to loans | 0.0399% | 3,090 |
| Credit loss provision to net charge-offs | 386.9565% | 780 |
| Earnings coverage of net charge-offs (x) | 22.7477% | 1,765 |
| Efficiency ratio | 78.9742% | 1,812 |
| Assets per employee ($millions) | 7.3670% | 728 |
| Cash dividends to net income (ytd only)* | 37.5158% | 2,440 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6623% | 5,803 |
| Loan loss allowance to noncurrent loans | 74.6821% | 4,290 |
| Noncurrent assets plus other real estate owned to assets | 0.9876% | 2,383 |
| Noncurrent loans to loans | 0.8868% | 2,761 |
| Net loans and leases to total assets | 77.9896% | 1,097 |
| Net loans and leases to deposits | 99.8708% | 670 |
| Net loans and leases to core deposits | 142.8983% | 151 |
| Total domestic deposits to total assets | 78.0905% | 5,164 |
| Equity capital to assets | 10.0404% | 4,106 |
| Core capital (leverage) ratio | 9.2249% | 4,695 |
| Tier 1 risk-based capital ratio | 11.6340% | 5,302 |
| Total risk-based capital ratio | 12.3247% | 5,513 |
| Memoranda: | ||
| Average total assets | $493,755,000 | 1,369 |
| Average earning assets | $469,540,750 | 1,321 |
| Average equity | $50,129,750 | 1,488 |
| Average total loans | $384,523,250 | 1,203 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0526% | 3,062 |
| Cost of funding earning assets | 0.6642% | 1,029 |
| Net interest margin | 3.3884% | 3,942 |
| Noninterest income to average assets | 0.1964% | 5,506 |
| Noninterest expense to average assets | 2.7343% | 3,472 |
| Loan and lease loss provision to assets | 0.1023% | 2,130 |
| Net operating income to assets | 0.3886% | 5,168 |
| Return on assets (ROA) | 0.3886% | 5,280 |
| Pretax return on assets | 0.5801% | 5,022 |
| Return on Equity (ROE) | 3.8132% | 5,093 |
| Retained earnings to average equity (ytd only) | 2.3000% | 4,572 |
| Net charge-offs to loans | -0.0016% | 4,569 |
| Credit loss provision to net charge-offs | -8,333.3333% | 5,624 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5019% | 1,836 |
| Assets per employee ($millions) | 6.9951% | 832 |
| Cash dividends to net income (ytd only)* | 39.6842% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6557% | 5,890 |
| Loan loss allowance to noncurrent loans | 63.5778% | 4,657 |
| Noncurrent assets plus other real estate owned to assets | 1.0335% | 2,438 |
| Noncurrent loans to loans | 1.0314% | 2,587 |
| Net loans and leases to total assets | 77.1881% | 1,181 |
| Net loans and leases to deposits | 102.8102% | 512 |
| Net loans and leases to core deposits | 140.5165% | 165 |
| Total domestic deposits to total assets | 75.0782% | 5,697 |
| Equity capital to assets | 9.9372% | 4,103 |
| Core capital (leverage) ratio | 9.3976% | 4,423 |
| Tier 1 risk-based capital ratio | 11.5655% | 5,420 |
| Total risk-based capital ratio | 12.2452% | 5,631 |
| Memoranda: | ||
| Average total assets | $488,898,670 | 1,393 |
| Average earning assets | $464,637,670 | 1,345 |
| Average equity | $49,827,000 | 1,507 |
| Average total loans | $379,670,000 | 1,215 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0704% | 2,949 |
| Cost of funding earning assets | 0.6699% | 997 |
| Net interest margin | 3.4005% | 3,837 |
| Noninterest income to average assets | 0.1587% | 5,787 |
| Noninterest expense to average assets | 2.7413% | 3,444 |
| Loan and lease loss provision to assets | 0.0997% | 2,029 |
| Net operating income to assets | 0.3672% | 5,194 |
| Return on assets (ROA) | 0.3672% | 5,316 |
| Pretax return on assets | 0.5474% | 5,051 |
| Return on Equity (ROE) | 3.5562% | 5,159 |
| Retained earnings to average equity (ytd only) | 2.2206% | 4,575 |
| Net charge-offs to loans | 0.0599% | 2,154 |
| Credit loss provision to net charge-offs | 214.2857% | 1,001 |
| Earnings coverage of net charge-offs (x) | 13.9107% | 1,694 |
| Efficiency ratio | 80.3383% | 1,855 |
| Assets per employee ($millions) | 6.7285% | 962 |
| Cash dividends to net income (ytd only)* | 37.5566% | 2,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6382% | 6,004 |
| Loan loss allowance to noncurrent loans | 56.6087% | 4,822 |
| Noncurrent assets plus other real estate owned to assets | 1.1805% | 2,271 |
| Noncurrent loans to loans | 1.1273% | 2,518 |
| Net loans and leases to total assets | 78.5768% | 857 |
| Net loans and leases to deposits | 96.9452% | 770 |
| Net loans and leases to core deposits | 126.7000% | 285 |
| Total domestic deposits to total assets | 81.0528% | 4,810 |
| Equity capital to assets | 10.6199% | 3,402 |
| Core capital (leverage) ratio | 9.9695% | 3,640 |
| Tier 1 risk-based capital ratio | 12.5055% | 4,901 |
| Total risk-based capital ratio | 13.1702% | 5,185 |
| Memoranda: | ||
| Average total assets | $481,526,000 | 1,419 |
| Average earning assets | $457,348,500 | 1,369 |
| Average equity | $49,716,500 | 1,509 |
| Average total loans | $373,845,500 | 1,231 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2525% | 2,767 |
| Cost of funding earning assets | 0.6554% | 1,375 |
| Net interest margin | 3.5971% | 3,423 |
| Noninterest income to average assets | 0.2164% | 5,558 |
| Noninterest expense to average assets | 2.8440% | 3,328 |
| Loan and lease loss provision to assets | 0.2460% | 935 |
| Net operating income to assets | 1.4808% | 912 |
| Return on assets (ROA) | 1.4916% | 932 |
| Pretax return on assets | 0.5650% | 5,056 |
| Return on Equity (ROE) | 15.1364% | 760 |
| Retained earnings to average equity (ytd only) | 13.8773% | 184 |
| Net charge-offs to loans | 0.3056% | 1,446 |
| Credit loss provision to net charge-offs | 103.6630% | 2,309 |
| Earnings coverage of net charge-offs (x) | 3.3718% | 3,905 |
| Efficiency ratio | 77.4644% | 2,284 |
| Assets per employee ($millions) | 6.5608% | 1,026 |
| Cash dividends to net income (ytd only)* | 8.3188% | 4,162 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6164% | 6,120 |
| Loan loss allowance to noncurrent loans | 50.7905% | 5,078 |
| Noncurrent assets plus other real estate owned to assets | 1.1810% | 2,403 |
| Noncurrent loans to loans | 1.2137% | 2,420 |
| Net loans and leases to total assets | 75.7856% | 1,300 |
| Net loans and leases to deposits | 98.4170% | 731 |
| Net loans and leases to core deposits | 126.0790% | 292 |
| Total domestic deposits to total assets | 77.0045% | 5,603 |
| Equity capital to assets | 10.0423% | 4,056 |
| Core capital (leverage) ratio | 9.3383% | 4,479 |
| Tier 1 risk-based capital ratio | 12.2027% | 5,224 |
| Total risk-based capital ratio | 12.8694% | 5,508 |
| Memoranda: | ||
| Average total assets | $460,168,400 | 1,452 |
| Average earning assets | $438,494,200 | 1,399 |
| Average equity | $45,347,600 | 1,586 |
| Average total loans | $357,304,200 | 1,240 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2951% | 2,656 |
| Cost of funding earning assets | 0.6560% | 1,414 |
| Net interest margin | 3.6391% | 3,273 |
| Noninterest income to average assets | 0.2111% | 5,667 |
| Noninterest expense to average assets | 2.9373% | 3,001 |
| Loan and lease loss provision to assets | 0.1687% | 1,461 |
| Net operating income to assets | 1.8962% | 423 |
| Return on assets (ROA) | 1.8962% | 438 |
| Pretax return on assets | 0.5761% | 5,106 |
| Return on Equity (ROE) | 19.3419% | 320 |
| Retained earnings to average equity (ytd only) | 18.1238% | 106 |
| Net charge-offs to loans | 0.2105% | 1,787 |
| Credit loss provision to net charge-offs | 102.6930% | 2,146 |
| Earnings coverage of net charge-offs (x) | 4.5350% | 3,435 |
| Efficiency ratio | 79.1880% | 2,028 |
| Assets per employee ($millions) | 6.5045% | 1,021 |
| Cash dividends to net income (ytd only)* | 6.2977% | 3,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6142% | 6,205 |
| Loan loss allowance to noncurrent loans | 58.9235% | 4,828 |
| Noncurrent assets plus other real estate owned to assets | 0.9789% | 3,008 |
| Noncurrent loans to loans | 1.0424% | 2,990 |
| Net loans and leases to total assets | 77.9652% | 966 |
| Net loans and leases to deposits | 102.3030% | 487 |
| Net loans and leases to core deposits | 134.3268% | 187 |
| Total domestic deposits to total assets | 76.2100% | 5,786 |
| Equity capital to assets | 10.2938% | 3,797 |
| Core capital (leverage) ratio | 9.4193% | 4,489 |
| Tier 1 risk-based capital ratio | 12.0967% | 5,429 |
| Total risk-based capital ratio | 12.7613% | 5,714 |
| Memoranda: | ||
| Average total assets | $452,196,000 | 1,481 |
| Average earning assets | $431,305,250 | 1,435 |
| Average equity | $44,331,000 | 1,631 |
| Average total loans | $352,824,750 | 1,257 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3107% | 2,549 |
| Cost of funding earning assets | 0.6617% | 1,426 |
| Net interest margin | 3.6490% | 3,147 |
| Noninterest income to average assets | 0.2083% | 5,709 |
| Noninterest expense to average assets | 2.9502% | 2,998 |
| Loan and lease loss provision to assets | 0.1619% | 1,531 |
| Net operating income to assets | 0.5766% | 4,472 |
| Return on assets (ROA) | 0.5766% | 4,578 |
| Pretax return on assets | 0.5838% | 5,005 |
| Return on Equity (ROE) | 5.9885% | 4,156 |
| Retained earnings to average equity (ytd only) | 4.8674% | 3,038 |
| Net charge-offs to loans | 0.2287% | 1,671 |
| Credit loss provision to net charge-offs | 90.9091% | 2,158 |
| Earnings coverage of net charge-offs (x) | 4.1869% | 3,161 |
| Efficiency ratio | 79.2260% | 2,133 |
| Assets per employee ($millions) | 6.1742% | 1,188 |
| Cash dividends to net income (ytd only)* | 18.7207% | 3,221 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6163% | 6,289 |
| Loan loss allowance to noncurrent loans | 64.3926% | 4,675 |
| Noncurrent assets plus other real estate owned to assets | 0.9488% | 3,164 |
| Noncurrent loans to loans | 0.9571% | 3,330 |
| Net loans and leases to total assets | 78.9575% | 800 |
| Net loans and leases to deposits | 101.7363% | 464 |
| Net loans and leases to core deposits | 124.7785% | 287 |
| Total domestic deposits to total assets | 77.6099% | 5,705 |
| Equity capital to assets | 9.6149% | 4,606 |
| Core capital (leverage) ratio | 9.4912% | 4,345 |
| Tier 1 risk-based capital ratio | 11.8674% | 5,609 |
| Total risk-based capital ratio | 12.5259% | 5,859 |
| Memoranda: | ||
| Average total assets | $444,651,330 | 1,502 |
| Average earning assets | $424,988,330 | 1,453 |
| Average equity | $42,815,330 | 1,666 |
| Average total loans | $346,269,670 | 1,270 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2625% | 2,657 |
| Cost of funding earning assets | 0.6801% | 1,359 |
| Net interest margin | 3.5824% | 3,325 |
| Noninterest income to average assets | 0.2235% | 5,566 |
| Noninterest expense to average assets | 2.9717% | 2,973 |
| Loan and lease loss provision to assets | 0.0958% | 2,328 |
| Net operating income to assets | 0.5783% | 4,307 |
| Return on assets (ROA) | 0.5783% | 4,377 |
| Pretax return on assets | 0.5865% | 4,875 |
| Return on Equity (ROE) | 6.0012% | 4,025 |
| Retained earnings to average equity (ytd only) | 4.8654% | 3,195 |
| Net charge-offs to loans | 0.1882% | 1,599 |
| Credit loss provision to net charge-offs | 66.0377% | 2,044 |
| Earnings coverage of net charge-offs (x) | 4.7044% | 2,489 |
| Efficiency ratio | 80.6790% | 2,094 |
| Assets per employee ($millions) | 5.7460% | 1,501 |
| Cash dividends to net income (ytd only)* | 18.9274% | 2,546 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6525% | 6,339 |
| Loan loss allowance to noncurrent loans | 64.6939% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 1.0546% | 3,145 |
| Noncurrent loans to loans | 1.0086% | 3,404 |
| Net loans and leases to total assets | 78.4000% | 716 |
| Net loans and leases to deposits | 97.2458% | 583 |
| Net loans and leases to core deposits | 108.8336% | 634 |
| Total domestic deposits to total assets | 80.6204% | 5,345 |
| Equity capital to assets | 9.9455% | 3,906 |
| Core capital (leverage) ratio | 9.6368% | 4,087 |
| Tier 1 risk-based capital ratio | 12.2257% | 5,489 |
| Total risk-based capital ratio | 12.9088% | 5,776 |
| Memoranda: | ||
| Average total assets | $438,530,000 | 1,536 |
| Average earning assets | $419,944,000 | 1,473 |
| Average equity | $42,258,000 | 1,694 |
| Average total loans | $337,910,000 | 1,302 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5718% | 1,957 |
| Cost of funding earning assets | 0.8162% | 1,113 |
| Net interest margin | 3.7556% | 2,824 |
| Noninterest income to average assets | 0.1547% | 6,163 |
| Noninterest expense to average assets | 3.5095% | 1,625 |
| Loan and lease loss provision to assets | 0.1604% | 2,277 |
| Net operating income to assets | 0.0818% | 6,079 |
| Return on assets (ROA) | 0.0818% | 6,129 |
| Pretax return on assets | 0.0900% | 6,106 |
| Return on Equity (ROE) | 0.8427% | 6,108 |
| Retained earnings to average equity (ytd only) | -0.3842% | 5,946 |
| Net charge-offs to loans | 0.2638% | 2,383 |
| Credit loss provision to net charge-offs | 77.5240% | 3,108 |
| Earnings coverage of net charge-offs (x) | 1.2103% | 4,668 |
| Efficiency ratio | 92.7579% | 826 |
| Assets per employee ($millions) | 5.8699% | 1,359 |
| Cash dividends to net income (ytd only)* | 145.5927% | 160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6770% | 6,378 |
| Loan loss allowance to noncurrent loans | 53.1572% | 5,127 |
| Noncurrent assets plus other real estate owned to assets | 1.1634% | 3,070 |
| Noncurrent loans to loans | 1.2736% | 3,003 |
| Net loans and leases to total assets | 74.7491% | 1,251 |
| Net loans and leases to deposits | 93.0268% | 957 |
| Net loans and leases to core deposits | 105.3958% | 827 |
| Total domestic deposits to total assets | 80.3522% | 5,359 |
| Equity capital to assets | 9.3376% | 4,640 |
| Core capital (leverage) ratio | 9.4781% | 4,299 |
| Tier 1 risk-based capital ratio | 12.1929% | 5,498 |
| Total risk-based capital ratio | 12.8984% | 5,764 |
| Memoranda: | ||
| Average total assets | $402,135,600 | 1,635 |
| Average earning assets | $386,038,000 | 1,563 |
| Average equity | $39,039,800 | 1,789 |
| Average total loans | $315,357,600 | 1,344 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6045% | 1,887 |
| Cost of funding earning assets | 0.8509% | 1,040 |
| Net interest margin | 3.7536% | 2,833 |
| Noninterest income to average assets | 0.1445% | 6,311 |
| Noninterest expense to average assets | 3.6920% | 1,259 |
| Loan and lease loss provision to assets | 0.1943% | 1,874 |
| Net operating income to assets | -0.1404% | 6,425 |
| Return on assets (ROA) | -0.1404% | 6,454 |
| Pretax return on assets | -0.1404% | 6,433 |
| Return on Equity (ROE) | -1.4311% | 6,449 |
| Retained earnings to average equity (ytd only) | -2.6780% | 6,331 |
| Net charge-offs to loans | 0.3412% | 1,840 |
| Credit loss provision to net charge-offs | 71.7884% | 3,033 |
| Earnings coverage of net charge-offs (x) | 0.1990% | 4,799 |
| Efficiency ratio | 97.9980% | 528 |
| Assets per employee ($millions) | 5.4788% | 1,644 |
| Cash dividends to net income (ytd only)* | -87.1350% | 6,873 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6731% | 6,469 |
| Loan loss allowance to noncurrent loans | 52.1212% | 5,140 |
| Noncurrent assets plus other real estate owned to assets | 1.2161% | 3,214 |
| Noncurrent loans to loans | 1.2914% | 3,248 |
| Net loans and leases to total assets | 77.2113% | 848 |
| Net loans and leases to deposits | 96.5010% | 656 |
| Net loans and leases to core deposits | 107.1859% | 699 |
| Total domestic deposits to total assets | 80.0109% | 5,507 |
| Equity capital to assets | 9.7218% | 4,280 |
| Core capital (leverage) ratio | 9.5389% | 4,349 |
| Tier 1 risk-based capital ratio | 12.2547% | 5,602 |
| Total risk-based capital ratio | 12.9644% | 5,900 |
| Memoranda: | ||
| Average total assets | $391,141,750 | 1,697 |
| Average earning assets | $375,274,000 | 1,620 |
| Average equity | $38,385,750 | 1,822 |
| Average total loans | $310,262,750 | 1,369 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6004% | 1,852 |
| Cost of funding earning assets | 0.8882% | 950 |
| Net interest margin | 3.7122% | 2,910 |
| Noninterest income to average assets | 0.0997% | 6,529 |
| Noninterest expense to average assets | 3.7650% | 1,148 |
| Loan and lease loss provision to assets | 0.1794% | 2,117 |
| Net operating income to assets | -0.2833% | 6,542 |
| Return on assets (ROA) | -0.2833% | 6,575 |
| Pretax return on assets | -0.2833% | 6,546 |
| Return on Equity (ROE) | -2.8769% | 6,573 |
| Retained earnings to average equity (ytd only) | -4.1626% | 6,406 |
| Net charge-offs to loans | 0.3770% | 1,700 |
| Credit loss provision to net charge-offs | 59.5447% | 3,030 |
| Earnings coverage of net charge-offs (x) | -0.3450% | 4,642 |
| Efficiency ratio | 102.3346% | 415 |
| Assets per employee ($millions) | 4.9916% | 2,127 |
| Cash dividends to net income (ytd only)* | -44.6927% | 6,921 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6692% | 6,542 |
| Loan loss allowance to noncurrent loans | 46.7198% | 5,354 |
| Noncurrent assets plus other real estate owned to assets | 1.2476% | 3,257 |
| Noncurrent loans to loans | 1.4323% | 3,150 |
| Net loans and leases to total assets | 78.9099% | 646 |
| Net loans and leases to deposits | 93.5501% | 841 |
| Net loans and leases to core deposits | 105.4617% | 766 |
| Total domestic deposits to total assets | 84.3505% | 4,176 |
| Equity capital to assets | 9.9040% | 4,047 |
| Core capital (leverage) ratio | 9.6174% | 4,053 |
| Tier 1 risk-based capital ratio | 12.5233% | 5,478 |
| Total risk-based capital ratio | 13.2448% | 5,745 |
| Memoranda: | ||
| Average total assets | $379,073,000 | 1,742 |
| Average earning assets | $363,665,000 | 1,665 |
| Average equity | $37,332,330 | 1,874 |
| Average total loans | $302,951,330 | 1,390 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2827% | 2,964 |
| Cost of funding earning assets | 0.9204% | 892 |
| Net interest margin | 3.3623% | 4,264 |
| Noninterest income to average assets | 0.0045% | 6,841 |
| Noninterest expense to average assets | 3.7597% | 1,166 |
| Loan and lease loss provision to assets | 0.1839% | 2,005 |
| Net operating income to assets | -0.7109% | 6,740 |
| Return on assets (ROA) | -0.7109% | 6,754 |
| Pretax return on assets | -0.7109% | 6,736 |
| Return on Equity (ROE) | -7.2428% | 6,747 |
| Retained earnings to average equity (ytd only) | -8.6051% | 6,556 |
| Net charge-offs to loans | 0.0848% | 2,996 |
| Credit loss provision to net charge-offs | 270.4918% | 869 |
| Earnings coverage of net charge-offs (x) | -7.7541% | 4,094 |
| Efficiency ratio | 115.9945% | 249 |
| Assets per employee ($millions) | 5.3347% | 1,824 |
| Cash dividends to net income (ytd only)* | -18.8088% | 6,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7735% | 6,499 |
| Loan loss allowance to noncurrent loans | 35.7851% | 5,793 |
| Noncurrent assets plus other real estate owned to assets | 1.8976% | 2,479 |
| Noncurrent loans to loans | 2.1615% | 2,432 |
| Net loans and leases to total assets | 74.2855% | 1,038 |
| Net loans and leases to deposits | 91.4660% | 850 |
| Net loans and leases to core deposits | 103.7933% | 727 |
| Total domestic deposits to total assets | 81.2165% | 5,441 |
| Equity capital to assets | 9.6866% | 4,580 |
| Core capital (leverage) ratio | 12.1569% | 1,481 |
| Tier 1 risk-based capital ratio | 12.5095% | 5,574 |
| Total risk-based capital ratio | 13.3353% | 5,812 |
| Memoranda: | ||
| Average total assets | $358,961,000 | 1,842 |
| Average earning assets | $344,644,000 | 1,758 |
| Average equity | $35,235,000 | 2,005 |
| Average total loans | $287,879,000 | 1,474 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8829% | 1,897 |
| Cost of funding earning assets | 1.3146% | 355 |
| Net interest margin | 3.5683% | 4,233 |
| Noninterest income to average assets | 0.1226% | 6,421 |
| Noninterest expense to average assets | 3.2740% | 2,413 |
| Loan and lease loss provision to assets | 0.2287% | 2,844 |
| Net operating income to assets | 0.0354% | 6,110 |
| Return on assets (ROA) | 0.2802% | 5,751 |
| Pretax return on assets | 0.2802% | 5,855 |
| Return on Equity (ROE) | 2.8501% | 5,610 |
| Retained earnings to average equity (ytd only) | 1.1088% | 5,317 |
| Net charge-offs to loans | 0.2681% | 3,327 |
| Credit loss provision to net charge-offs | 98.4615% | 3,154 |
| Earnings coverage of net charge-offs (x) | 1.1369% | 4,891 |
| Efficiency ratio | 92.5354% | 889 |
| Assets per employee ($millions) | 5.9814% | 1,290 |
| Cash dividends to net income (ytd only)* | 61.0969% | 1,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0071% | 5,937 |
| Loan loss allowance to noncurrent loans | 60.1026% | 4,652 |
| Noncurrent assets plus other real estate owned to assets | 1.5545% | 3,052 |
| Noncurrent loans to loans | 1.6756% | 3,108 |
| Net loans and leases to total assets | 87.8864% | 83 |
| Net loans and leases to deposits | 103.5837% | 277 |
| Net loans and leases to core deposits | 134.5959% | 157 |
| Total domestic deposits to total assets | 84.8458% | 3,925 |
| Equity capital to assets | 10.0238% | 4,135 |
| Core capital (leverage) ratio | 9.4027% | 4,254 |
| Tier 1 risk-based capital ratio | 11.3893% | 6,166 |
| Total risk-based capital ratio | 12.4838% | 6,219 |
| Memoranda: | ||
| Average total assets | $279,807,200 | 2,272 |
| Average earning assets | $267,830,400 | 2,169 |
| Average equity | $27,507,400 | 2,446 |
| Average total loans | $242,437,000 | 1,702 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9183% | 1,944 |
| Cost of funding earning assets | 1.3580% | 344 |
| Net interest margin | 3.5603% | 4,394 |
| Noninterest income to average assets | 0.1367% | 6,459 |
| Noninterest expense to average assets | 3.2738% | 2,349 |
| Loan and lease loss provision to assets | 0.1946% | 3,146 |
| Net operating income to assets | 0.0721% | 6,171 |
| Return on assets (ROA) | 0.2724% | 5,900 |
| Pretax return on assets | 0.2724% | 6,004 |
| Return on Equity (ROE) | 2.7840% | 5,758 |
| Retained earnings to average equity (ytd only) | 1.0380% | 5,752 |
| Net charge-offs to loans | 0.2083% | 3,482 |
| Credit loss provision to net charge-offs | 108.4656% | 2,707 |
| Earnings coverage of net charge-offs (x) | 1.4868% | 4,545 |
| Efficiency ratio | 92.4675% | 860 |
| Assets per employee ($millions) | 6.1146% | 1,177 |
| Cash dividends to net income (ytd only)* | 62.7184% | 1,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0253% | 5,984 |
| Loan loss allowance to noncurrent loans | 44.7585% | 5,409 |
| Noncurrent assets plus other real estate owned to assets | 2.0692% | 2,566 |
| Noncurrent loans to loans | 2.2907% | 2,522 |
| Net loans and leases to total assets | 85.8687% | 152 |
| Net loans and leases to deposits | 104.7722% | 265 |
| Net loans and leases to core deposits | 139.9760% | 138 |
| Total domestic deposits to total assets | 81.9575% | 5,043 |
| Equity capital to assets | 9.9079% | 4,637 |
| Core capital (leverage) ratio | 9.3813% | 4,460 |
| Tier 1 risk-based capital ratio | 11.4037% | 6,288 |
| Total risk-based capital ratio | 12.5236% | 6,337 |
| Memoranda: | ||
| Average total assets | $280,972,750 | 2,292 |
| Average earning assets | $268,621,000 | 2,189 |
| Average equity | $27,489,250 | 2,460 |
| Average total loans | $241,977,500 | 1,717 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8977% | 2,121 |
| Cost of funding earning assets | 1.4126% | 333 |
| Net interest margin | 3.4851% | 4,738 |
| Noninterest income to average assets | 0.1396% | 6,496 |
| Noninterest expense to average assets | 3.2634% | 2,402 |
| Loan and lease loss provision to assets | 0.2350% | 2,723 |
| Net operating income to assets | -0.0121% | 6,339 |
| Return on assets (ROA) | 0.2478% | 5,962 |
| Pretax return on assets | 0.2478% | 6,061 |
| Return on Equity (ROE) | 2.5436% | 5,863 |
| Retained earnings to average equity (ytd only) | 0.7894% | 5,748 |
| Net charge-offs to loans | 0.3092% | 2,794 |
| Credit loss provision to net charge-offs | 88.4718% | 3,091 |
| Earnings coverage of net charge-offs (x) | 0.8391% | 4,640 |
| Efficiency ratio | 93.6070% | 824 |
| Assets per employee ($millions) | 6.0442% | 1,205 |
| Cash dividends to net income (ytd only)* | 68.9655% | 1,116 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0109% | 6,114 |
| Loan loss allowance to noncurrent loans | 43.1697% | 5,494 |
| Noncurrent assets plus other real estate owned to assets | 2.1048% | 2,660 |
| Noncurrent loans to loans | 2.3417% | 2,559 |
| Net loans and leases to total assets | 85.4776% | 157 |
| Net loans and leases to deposits | 97.9661% | 530 |
| Net loans and leases to core deposits | 129.7185% | 211 |
| Total domestic deposits to total assets | 87.2522% | 2,619 |
| Equity capital to assets | 9.9060% | 4,473 |
| Core capital (leverage) ratio | 9.2888% | 4,467 |
| Tier 1 risk-based capital ratio | 11.4383% | 6,253 |
| Total risk-based capital ratio | 12.5341% | 6,328 |
| Memoranda: | ||
| Average total assets | $280,873,670 | 2,296 |
| Average earning assets | $269,716,330 | 2,191 |
| Average equity | $27,363,000 | 2,456 |
| Average total loans | $241,295,000 | 1,709 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8567% | 2,413 |
| Cost of funding earning assets | 1.4324% | 376 |
| Net interest margin | 3.4243% | 5,010 |
| Noninterest income to average assets | 0.1389% | 6,549 |
| Noninterest expense to average assets | 3.0224% | 3,173 |
| Loan and lease loss provision to assets | 0.2480% | 2,479 |
| Net operating income to assets | 0.1814% | 6,039 |
| Return on assets (ROA) | 0.3826% | 5,514 |
| Pretax return on assets | 0.3826% | 5,775 |
| Return on Equity (ROE) | 3.9599% | 5,312 |
| Retained earnings to average equity (ytd only) | 2.2146% | 5,158 |
| Net charge-offs to loans | 0.3125% | 2,402 |
| Credit loss provision to net charge-offs | 92.5926% | 2,500 |
| Earnings coverage of net charge-offs (x) | 1.6032% | 3,521 |
| Efficiency ratio | 87.5616% | 1,327 |
| Assets per employee ($millions) | 6.3463% | 1,059 |
| Cash dividends to net income (ytd only)* | 44.0741% | 1,636 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0079% | 6,214 |
| Loan loss allowance to noncurrent loans | 37.2347% | 5,788 |
| Noncurrent assets plus other real estate owned to assets | 2.4445% | 2,416 |
| Noncurrent loans to loans | 2.7068% | 2,408 |
| Net loans and leases to total assets | 86.3887% | 109 |
| Net loans and leases to deposits | 101.3985% | 330 |
| Net loans and leases to core deposits | 134.2051% | 169 |
| Total domestic deposits to total assets | 85.1973% | 3,933 |
| Equity capital to assets | 9.7637% | 4,434 |
| Core capital (leverage) ratio | 9.0793% | 4,713 |
| Tier 1 risk-based capital ratio | 11.3043% | 6,387 |
| Total risk-based capital ratio | 12.4014% | 6,453 |
| Memoranda: | ||
| Average total assets | $282,294,000 | 2,301 |
| Average earning assets | $273,108,500 | 2,177 |
| Average equity | $27,273,500 | 2,454 |
| Average total loans | $241,901,000 | 1,711 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0482% | 2,663 |
| Cost of funding earning assets | 1.6002% | 479 |
| Net interest margin | 3.4479% | 5,343 |
| Noninterest income to average assets | -0.0131% | 7,020 |
| Noninterest expense to average assets | 3.2673% | 2,629 |
| Loan and lease loss provision to assets | 0.3836% | 2,693 |
| Net operating income to assets | -0.3651% | 6,391 |
| Return on assets (ROA) | 0.0298% | 6,106 |
| Pretax return on assets | 0.0298% | 6,074 |
| Return on Equity (ROE) | 0.3126% | 6,097 |
| Retained earnings to average equity (ytd only) | -1.4699% | 6,087 |
| Net charge-offs to loans | 0.3651% | 3,577 |
| Credit loss provision to net charge-offs | 123.9404% | 2,536 |
| Earnings coverage of net charge-offs (x) | 0.0596% | 5,780 |
| Efficiency ratio | 99.4390% | 696 |
| Assets per employee ($millions) | 6.2032% | 1,103 |
| Cash dividends to net income (ytd only)* | 570.2381% | 15 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 6,077 |
| Loan loss allowance to noncurrent loans | 36.2383% | 5,822 |
| Noncurrent assets plus other real estate owned to assets | 2.4693% | 2,461 |
| Noncurrent loans to loans | 2.8386% | 2,306 |
| Net loans and leases to total assets | 83.2822% | 249 |
| Net loans and leases to deposits | 96.5825% | 649 |
| Net loans and leases to core deposits | 129.9274% | 238 |
| Total domestic deposits to total assets | 86.2291% | 3,179 |
| Equity capital to assets | 9.5613% | 4,790 |
| Core capital (leverage) ratio | 8.8134% | 5,076 |
| Tier 1 risk-based capital ratio | 11.4783% | 6,172 |
| Total risk-based capital ratio | 12.6067% | 6,238 |
| Memoranda: | ||
| Average total assets | $282,096,000 | 2,249 |
| Average earning assets | $269,900,600 | 2,165 |
| Average equity | $26,872,000 | 2,407 |
| Average total loans | $239,084,600 | 1,751 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0956% | 2,627 |
| Cost of funding earning assets | 1.6303% | 516 |
| Net interest margin | 3.4653% | 5,333 |
| Noninterest income to average assets | -0.0398% | 7,147 |
| Noninterest expense to average assets | 3.3844% | 2,238 |
| Loan and lease loss provision to assets | 0.3209% | 2,971 |
| Net operating income to assets | -0.4385% | 6,607 |
| Return on assets (ROA) | -0.1166% | 6,382 |
| Pretax return on assets | -0.1166% | 6,348 |
| Return on Equity (ROE) | -1.2252% | 6,402 |
| Retained earnings to average equity (ytd only) | -3.0183% | 6,422 |
| Net charge-offs to loans | 0.1424% | 4,640 |
| Credit loss provision to net charge-offs | 265.4902% | 1,074 |
| Earnings coverage of net charge-offs (x) | -0.9726% | 5,926 |
| Efficiency ratio | 103.5984% | 562 |
| Assets per employee ($millions) | 6.1557% | 1,116 |
| Cash dividends to net income (ytd only)* | -146.3429% | 7,409 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0993% | 5,894 |
| Loan loss allowance to noncurrent loans | 37.1452% | 5,809 |
| Noncurrent assets plus other real estate owned to assets | 2.5840% | 2,496 |
| Noncurrent loans to loans | 2.9594% | 2,352 |
| Net loans and leases to total assets | 83.4335% | 257 |
| Net loans and leases to deposits | 100.9261% | 430 |
| Net loans and leases to core deposits | 135.9555% | 200 |
| Total domestic deposits to total assets | 82.6679% | 4,816 |
| Equity capital to assets | 9.5106% | 5,066 |
| Core capital (leverage) ratio | 8.8150% | 5,239 |
| Tier 1 risk-based capital ratio | 11.1254% | 6,466 |
| Total risk-based capital ratio | 12.3244% | 6,479 |
| Memoranda: | ||
| Average total assets | $281,282,750 | 2,270 |
| Average earning assets | $268,405,500 | 2,187 |
| Average equity | $26,769,250 | 2,414 |
| Average total loans | $238,827,000 | 1,766 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1409% | 2,512 |
| Cost of funding earning assets | 1.6882% | 488 |
| Net interest margin | 3.4527% | 5,353 |
| Noninterest income to average assets | -0.0524% | 7,257 |
| Noninterest expense to average assets | 3.4874% | 2,013 |
| Loan and lease loss provision to assets | 0.1271% | 4,702 |
| Net operating income to assets | -0.3884% | 6,606 |
| Return on assets (ROA) | -0.3884% | 6,633 |
| Pretax return on assets | -0.3884% | 6,586 |
| Return on Equity (ROE) | -4.0799% | 6,650 |
| Retained earnings to average equity (ytd only) | -5.8898% | 6,647 |
| Net charge-offs to loans | 0.2151% | 3,844 |
| Credit loss provision to net charge-offs | 69.4118% | 4,072 |
| Earnings coverage of net charge-offs (x) | -1.4275% | 5,677 |
| Efficiency ratio | 108.0997% | 514 |
| Assets per employee ($millions) | 6.0204% | 1,175 |
| Cash dividends to net income (ytd only)* | -44.3623% | 7,470 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9061% | 6,639 |
| Loan loss allowance to noncurrent loans | 45.2435% | 5,300 |
| Noncurrent assets plus other real estate owned to assets | 2.3258% | 2,829 |
| Noncurrent loans to loans | 2.0026% | 3,475 |
| Net loans and leases to total assets | 82.6187% | 329 |
| Net loans and leases to deposits | 98.3911% | 577 |
| Net loans and leases to core deposits | 140.3275% | 186 |
| Total domestic deposits to total assets | 83.9697% | 4,366 |
| Equity capital to assets | 9.1647% | 5,333 |
| Core capital (leverage) ratio | 8.8883% | 4,899 |
| Tier 1 risk-based capital ratio | 10.9539% | 6,566 |
| Total risk-based capital ratio | 11.9231% | 6,711 |
| Memoranda: | ||
| Average total assets | $278,604,000 | 2,306 |
| Average earning assets | $264,546,330 | 2,220 |
| Average equity | $26,520,330 | 2,424 |
| Average total loans | $237,078,670 | 1,800 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1657% | 2,370 |
| Cost of funding earning assets | 1.7343% | 485 |
| Net interest margin | 3.4314% | 5,296 |
| Noninterest income to average assets | 0.1478% | 6,670 |
| Noninterest expense to average assets | 3.7452% | 1,448 |
| Loan and lease loss provision to assets | 0.1317% | 4,351 |
| Net operating income to assets | -0.4842% | 6,799 |
| Return on assets (ROA) | -0.4842% | 6,804 |
| Pretax return on assets | -0.4842% | 6,746 |
| Return on Equity (ROE) | -4.9890% | 6,808 |
| Retained earnings to average equity (ytd only) | -6.7826% | 6,659 |
| Net charge-offs to loans | 0.3946% | 2,505 |
| Credit loss provision to net charge-offs | 38.7931% | 3,975 |
| Earnings coverage of net charge-offs (x) | -1.0388% | 4,897 |
| Efficiency ratio | 110.3924% | 496 |
| Assets per employee ($millions) | 5.8147% | 1,329 |
| Cash dividends to net income (ytd only)* | -35.9517% | 7,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8950% | 6,711 |
| Loan loss allowance to noncurrent loans | 43.0954% | 5,431 |
| Noncurrent assets plus other real estate owned to assets | 2.5546% | 2,674 |
| Noncurrent loans to loans | 2.0768% | 3,476 |
| Net loans and leases to total assets | 84.0708% | 225 |
| Net loans and leases to deposits | 96.6747% | 645 |
| Net loans and leases to core deposits | 131.1797% | 259 |
| Total domestic deposits to total assets | 86.9626% | 2,961 |
| Equity capital to assets | 9.4409% | 4,514 |
| Core capital (leverage) ratio | 9.3982% | 3,967 |
| Tier 1 risk-based capital ratio | 11.3777% | 6,196 |
| Total risk-based capital ratio | 12.3468% | 6,413 |
| Memoranda: | ||
| Average total assets | $273,417,500 | 2,359 |
| Average earning assets | $258,553,500 | 2,280 |
| Average equity | $26,538,500 | 2,406 |
| Average total loans | $235,152,000 | 1,827 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2605% | 3,312 |
| Cost of funding earning assets | 1.8855% | 895 |
| Net interest margin | 3.3751% | 5,719 |
| Noninterest income to average assets | 0.0996% | 6,900 |
| Noninterest expense to average assets | 3.2239% | 3,003 |
| Loan and lease loss provision to assets | 0.5167% | 3,087 |
| Net operating income to assets | -0.4191% | 6,333 |
| Return on assets (ROA) | -0.0720% | 6,030 |
| Pretax return on assets | -0.0720% | 5,978 |
| Return on Equity (ROE) | -0.6597% | 6,033 |
| Retained earnings to average equity (ytd only) | -2.1749% | 5,991 |
| Net charge-offs to loans | 0.6667% | 3,012 |
| Credit loss provision to net charge-offs | 93.0912% | 4,984 |
| Earnings coverage of net charge-offs (x) | 0.1759% | 5,930 |
| Efficiency ratio | 97.0602% | 918 |
| Assets per employee ($millions) | 5.1487% | 1,946 |
| Cash dividends to net income (ytd only)* | -229.6703% | 7,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9681% | 6,500 |
| Loan loss allowance to noncurrent loans | 166.7404% | 1,795 |
| Noncurrent assets plus other real estate owned to assets | 1.3368% | 4,349 |
| Noncurrent loans to loans | 0.5806% | 5,894 |
| Net loans and leases to total assets | 86.3848% | 170 |
| Net loans and leases to deposits | 101.4204% | 510 |
| Net loans and leases to core deposits | 136.5146% | 258 |
| Total domestic deposits to total assets | 85.1750% | 3,765 |
| Equity capital to assets | 9.9828% | 3,761 |
| Core capital (leverage) ratio | 9.8250% | 3,287 |
| Tier 1 risk-based capital ratio | 11.8166% | 5,641 |
| Total risk-based capital ratio | 12.8715% | 5,804 |
| Memoranda: | ||
| Average total assets | $252,951,400 | 2,521 |
| Average earning assets | $241,477,600 | 2,413 |
| Average equity | $27,588,000 | 2,337 |
| Average total loans | $210,594,000 | 2,062 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2471% | 3,595 |
| Cost of funding earning assets | 1.9199% | 964 |
| Net interest margin | 3.3272% | 5,934 |
| Noninterest income to average assets | 0.1401% | 6,851 |
| Noninterest expense to average assets | 3.2507% | 2,736 |
| Loan and lease loss provision to assets | 0.2370% | 4,705 |
| Net operating income to assets | -0.1744% | 6,283 |
| Return on assets (ROA) | 0.0535% | 6,011 |
| Pretax return on assets | 0.0535% | 5,998 |
| Return on Equity (ROE) | 0.4795% | 6,015 |
| Retained earnings to average equity (ytd only) | -0.9495% | 6,006 |
| Net charge-offs to loans | 0.2844% | 4,239 |
| Credit loss provision to net charge-offs | 101.3730% | 4,253 |
| Earnings coverage of net charge-offs (x) | 0.2677% | 5,757 |
| Efficiency ratio | 98.1111% | 815 |
| Assets per employee ($millions) | 5.4743% | 1,648 |
| Cash dividends to net income (ytd only)* | 297.9974% | 43 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0707% | 6,067 |
| Loan loss allowance to noncurrent loans | 103.2765% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 1.7601% | 3,800 |
| Noncurrent loans to loans | 1.0367% | 5,174 |
| Net loans and leases to total assets | 83.1246% | 399 |
| Net loans and leases to deposits | 98.1341% | 783 |
| Net loans and leases to core deposits | 125.1871% | 471 |
| Total domestic deposits to total assets | 84.7051% | 3,771 |
| Equity capital to assets | 10.6513% | 3,346 |
| Core capital (leverage) ratio | 10.2679% | 2,958 |
| Tier 1 risk-based capital ratio | 12.5964% | 4,893 |
| Total risk-based capital ratio | 13.7506% | 4,958 |
| Memoranda: | ||
| Average total assets | $249,256,500 | 2,579 |
| Average earning assets | $237,710,750 | 2,491 |
| Average equity | $27,803,250 | 2,355 |
| Average total loans | $204,857,500 | 2,145 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2421% | 3,750 |
| Cost of funding earning assets | 1.9238% | 1,139 |
| Net interest margin | 3.3183% | 5,950 |
| Noninterest income to average assets | 0.1373% | 6,898 |
| Noninterest expense to average assets | 3.2457% | 2,741 |
| Loan and lease loss provision to assets | 0.2435% | 4,484 |
| Net operating income to assets | -0.1806% | 6,332 |
| Return on assets (ROA) | 0.0695% | 6,048 |
| Pretax return on assets | 0.0695% | 6,038 |
| Return on Equity (ROE) | 0.6128% | 6,059 |
| Retained earnings to average equity (ytd only) | -0.6777% | 5,898 |
| Net charge-offs to loans | 0.4109% | 3,345 |
| Credit loss provision to net charge-offs | 72.6829% | 4,901 |
| Earnings coverage of net charge-offs (x) | 0.1878% | 5,536 |
| Efficiency ratio | 98.0983% | 875 |
| Assets per employee ($millions) | 5.6555% | 1,484 |
| Cash dividends to net income (ytd only)* | 210.5882% | 104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0792% | 6,042 |
| Loan loss allowance to noncurrent loans | 75.1925% | 3,604 |
| Noncurrent assets plus other real estate owned to assets | 2.0916% | 3,388 |
| Noncurrent loans to loans | 1.4353% | 4,558 |
| Net loans and leases to total assets | 80.8901% | 680 |
| Net loans and leases to deposits | 99.3164% | 781 |
| Net loans and leases to core deposits | 119.6552% | 708 |
| Total domestic deposits to total assets | 81.4469% | 5,218 |
| Equity capital to assets | 11.0190% | 2,842 |
| Core capital (leverage) ratio | 10.5741% | 2,565 |
| Tier 1 risk-based capital ratio | 13.2386% | 4,261 |
| Total risk-based capital ratio | 14.3849% | 4,292 |
| Memoranda: | ||
| Average total assets | $244,753,000 | 2,657 |
| Average earning assets | $233,915,670 | 2,552 |
| Average equity | $27,741,670 | 2,354 |
| Average total loans | $199,547,330 | 2,219 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2562% | 3,754 |
| Cost of funding earning assets | 1.9389% | 1,291 |
| Net interest margin | 3.3173% | 5,905 |
| Noninterest income to average assets | 0.1818% | 6,655 |
| Noninterest expense to average assets | 3.2666% | 2,648 |
| Loan and lease loss provision to assets | 0.1000% | 5,631 |
| Net operating income to assets | -0.0067% | 6,307 |
| Return on assets (ROA) | 0.1000% | 6,126 |
| Pretax return on assets | 0.1000% | 6,131 |
| Return on Equity (ROE) | 0.8698% | 6,151 |
| Retained earnings to average equity (ytd only) | 0.0145% | 5,813 |
| Net charge-offs to loans | 0.2048% | 3,686 |
| Credit loss provision to net charge-offs | 60.0000% | 4,297 |
| Earnings coverage of net charge-offs (x) | 0.5600% | 4,530 |
| Efficiency ratio | 97.2208% | 957 |
| Assets per employee ($millions) | 5.6976% | 1,499 |
| Cash dividends to net income (ytd only)* | 98.3333% | 603 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1882% | 5,559 |
| Loan loss allowance to noncurrent loans | 70.4988% | 3,832 |
| Noncurrent assets plus other real estate owned to assets | 2.2670% | 3,191 |
| Noncurrent loans to loans | 1.6855% | 4,221 |
| Net loans and leases to total assets | 78.6796% | 1,026 |
| Net loans and leases to deposits | 98.9076% | 829 |
| Net loans and leases to core deposits | 116.6439% | 922 |
| Total domestic deposits to total assets | 79.5486% | 5,929 |
| Equity capital to assets | 11.3088% | 2,496 |
| Core capital (leverage) ratio | 11.1221% | 2,150 |
| Tier 1 risk-based capital ratio | 13.9586% | 3,682 |
| Total risk-based capital ratio | 15.2025% | 3,651 |
| Memoranda: | ||
| Average total assets | $239,881,500 | 2,765 |
| Average earning assets | $229,825,000 | 2,646 |
| Average equity | $27,591,000 | 2,401 |
| Average total loans | $195,267,000 | 2,327 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1477% | 5,889 |
| Cost of funding earning assets | 2.3594% | 1,428 |
| Net interest margin | 2.7883% | 7,079 |
| Noninterest income to average assets | 0.1683% | 6,874 |
| Noninterest expense to average assets | 3.1264% | 3,629 |
| Loan and lease loss provision to assets | 0.5828% | 3,463 |
| Net operating income to assets | -0.8522% | 6,474 |
| Return on assets (ROA) | -0.5828% | 6,251 |
| Pretax return on assets | -0.5828% | 6,082 |
| Return on Equity (ROE) | -5.4899% | 6,264 |
| Retained earnings to average equity (ytd only) | -6.4294% | 6,187 |
| Net charge-offs to loans | 0.3928% | 4,249 |
| Credit loss provision to net charge-offs | 179.8077% | 2,314 |
| Earnings coverage of net charge-offs (x) | -0.8310% | 6,845 |
| Efficiency ratio | 109.4281% | 808 |
| Assets per employee ($millions) | 5.3356% | 1,804 |
| Cash dividends to net income (ytd only)* | -17.1123% | 7,671 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2064% | 5,317 |
| Loan loss allowance to noncurrent loans | 50.1276% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 2.0037% | 3,394 |
| Noncurrent loans to loans | 2.4067% | 3,153 |
| Net loans and leases to total assets | 82.2501% | 649 |
| Net loans and leases to deposits | 101.4639% | 791 |
| Net loans and leases to core deposits | 122.4699% | 1,746 |
| Total domestic deposits to total assets | 81.0634% | 5,326 |
| Equity capital to assets | 11.7035% | 2,186 |
| Core capital (leverage) ratio | 11.3070% | 2,035 |
| Tier 1 risk-based capital ratio | 14.2963% | 3,325 |
| Total risk-based capital ratio | 15.5470% | 3,271 |
| Memoranda: | ||
| Average total assets | $224,603,000 | 2,880 |
| Average earning assets | $216,581,400 | 2,747 |
| Average equity | $23,843,600 | 2,743 |
| Average total loans | $185,351,800 | 2,452 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0798% | 6,342 |
| Cost of funding earning assets | 2.4399% | 1,493 |
| Net interest margin | 2.6399% | 7,309 |
| Noninterest income to average assets | 0.1939% | 6,829 |
| Noninterest expense to average assets | 3.2447% | 3,140 |
| Loan and lease loss provision to assets | 0.4227% | 3,789 |
| Net operating income to assets | -0.9288% | 6,784 |
| Return on assets (ROA) | -0.6178% | 6,544 |
| Pretax return on assets | -0.6178% | 6,410 |
| Return on Equity (ROE) | -5.9819% | 6,553 |
| Retained earnings to average equity (ytd only) | -6.8713% | 6,496 |
| Net charge-offs to loans | 0.4230% | 3,567 |
| Credit loss provision to net charge-offs | 121.3793% | 4,180 |
| Earnings coverage of net charge-offs (x) | -1.4535% | 6,695 |
| Efficiency ratio | 118.4828% | 615 |
| Assets per employee ($millions) | 5.4894% | 1,623 |
| Cash dividends to net income (ytd only)* | -14.8684% | 7,808 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9656% | 6,464 |
| Loan loss allowance to noncurrent loans | 63.3034% | 4,172 |
| Noncurrent assets plus other real estate owned to assets | 1.2722% | 4,525 |
| Noncurrent loans to loans | 1.5254% | 4,367 |
| Net loans and leases to total assets | 82.5968% | 730 |
| Net loans and leases to deposits | 100.2597% | 1,081 |
| Net loans and leases to core deposits | 122.0371% | 2,070 |
| Total domestic deposits to total assets | 82.3829% | 4,508 |
| Equity capital to assets | 10.0935% | 3,968 |
| Core capital (leverage) ratio | 9.6220% | 3,756 |
| Tier 1 risk-based capital ratio | 11.9018% | 5,061 |
| Total risk-based capital ratio | 12.9415% | 5,201 |
| Memoranda: | ||
| Average total assets | $222,061,750 | 2,931 |
| Average earning assets | $214,046,250 | 2,796 |
| Average equity | $22,935,500 | 2,862 |
| Average total loans | $182,826,000 | 2,504 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0258% | 6,685 |
| Cost of funding earning assets | 2.5019% | 1,606 |
| Net interest margin | 2.5239% | 7,458 |
| Noninterest income to average assets | 0.2088% | 6,801 |
| Noninterest expense to average assets | 3.3597% | 2,756 |
| Loan and lease loss provision to assets | 0.2613% | 4,487 |
| Net operating income to assets | -0.9834% | 6,969 |
| Return on assets (ROA) | -0.6780% | 6,736 |
| Pretax return on assets | -0.6780% | 6,582 |
| Return on Equity (ROE) | -6.5109% | 6,760 |
| Retained earnings to average equity (ytd only) | -7.3148% | 6,596 |
| Net charge-offs to loans | 0.1785% | 4,459 |
| Credit loss provision to net charge-offs | 178.6164% | 2,562 |
| Earnings coverage of net charge-offs (x) | -4.9371% | 6,456 |
| Efficiency ratio | 127.3805% | 549 |
| Assets per employee ($millions) | 5.3670% | 1,701 |
| Cash dividends to net income (ytd only)* | -12.3474% | 7,886 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0174% | 6,095 |
| Loan loss allowance to noncurrent loans | 451.7815% | 719 |
| Noncurrent assets plus other real estate owned to assets | 0.1868% | 7,058 |
| Noncurrent loans to loans | 0.2252% | 6,945 |
| Net loans and leases to total assets | 82.0915% | 938 |
| Net loans and leases to deposits | 97.2416% | 1,634 |
| Net loans and leases to core deposits | 118.2064% | 2,530 |
| Total domestic deposits to total assets | 84.4202% | 3,541 |
| Equity capital to assets | 10.4852% | 3,418 |
| Core capital (leverage) ratio | 10.2816% | 3,013 |
| Tier 1 risk-based capital ratio | 12.4889% | 4,529 |
| Total risk-based capital ratio | 13.5644% | 4,586 |
| Memoranda: | ||
| Average total assets | $217,401,330 | 3,011 |
| Average earning assets | $209,199,000 | 2,880 |
| Average equity | $22,639,000 | 2,896 |
| Average total loans | $178,146,330 | 2,600 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9944% | 6,944 |
| Cost of funding earning assets | 2.6001% | 1,566 |
| Net interest margin | 2.3943% | 7,622 |
| Noninterest income to average assets | 0.2699% | 6,278 |
| Noninterest expense to average assets | 3.3065% | 2,639 |
| Loan and lease loss provision to assets | 0.1912% | 4,525 |
| Net operating income to assets | -0.9166% | 7,205 |
| Return on assets (ROA) | -0.6786% | 7,071 |
| Pretax return on assets | -0.6786% | 6,955 |
| Return on Equity (ROE) | -6.5399% | 7,109 |
| Retained earnings to average equity (ytd only) | -7.0638% | 6,799 |
| Net charge-offs to loans | 0.3661% | 2,632 |
| Credit loss provision to net charge-offs | 64.1509% | 4,452 |
| Earnings coverage of net charge-offs (x) | -2.4340% | 5,492 |
| Efficiency ratio | 128.1046% | 523 |
| Assets per employee ($millions) | 4.9339% | 2,136 |
| Cash dividends to net income (ytd only)* | -8.0110% | 8,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9786% | 6,319 |
| Loan loss allowance to noncurrent loans | 688.0000% | 533 |
| Noncurrent assets plus other real estate owned to assets | 0.3761% | 6,379 |
| Noncurrent loans to loans | 0.1422% | 7,114 |
| Net loans and leases to total assets | 82.0318% | 1,016 |
| Net loans and leases to deposits | 102.5817% | 1,124 |
| Net loans and leases to core deposits | 122.4535% | 2,217 |
| Total domestic deposits to total assets | 79.9673% | 5,383 |
| Equity capital to assets | 11.4245% | 2,639 |
| Core capital (leverage) ratio | 10.8996% | 2,585 |
| Tier 1 risk-based capital ratio | 13.8301% | 3,678 |
| Total risk-based capital ratio | 14.8885% | 3,700 |
| Memoranda: | ||
| Average total assets | $213,395,500 | 3,077 |
| Average earning assets | $205,992,000 | 2,937 |
| Average equity | $22,141,000 | 2,957 |
| Average total loans | $173,746,000 | 2,671 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3496% | 7,537 |
| Cost of funding earning assets | 3.1033% | 1,493 |
| Net interest margin | 2.2463% | 7,943 |
| Noninterest income to average assets | 0.2027% | 7,002 |
| Noninterest expense to average assets | 3.8506% | 1,660 |
| Loan and lease loss provision to assets | 0.3213% | 3,808 |
| Net operating income to assets | -1.7923% | 7,556 |
| Return on assets (ROA) | -1.7923% | 7,510 |
| Pretax return on assets | -1.7923% | 7,374 |
| Return on Equity (ROE) | -16.7108% | 7,657 |
| Retained earnings to average equity (ytd only) | -16.7108% | 7,557 |
| Net charge-offs to loans | 0.0112% | 6,767 |
| Credit loss provision to net charge-offs | 3,675.0000% | 138 |
| Earnings coverage of net charge-offs (x) | -168.2500% | 7,015 |
| Efficiency ratio | 161.8140% | 310 |
| Assets per employee ($millions) | 4.9915% | 1,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0347% | 5,748 |
| Loan loss allowance to noncurrent loans | 250.6347% | 1,589 |
| Noncurrent assets plus other real estate owned to assets | 0.3303% | 6,283 |
| Noncurrent loans to loans | 0.4128% | 6,105 |
| Net loans and leases to total assets | 79.1854% | 1,841 |
| Net loans and leases to deposits | 100.0771% | 1,828 |
| Net loans and leases to core deposits | 122.4658% | 2,458 |
| Total domestic deposits to total assets | 79.1244% | 5,326 |
| Equity capital to assets | 9.3387% | 4,886 |
| Core capital (leverage) ratio | 8.9335% | 4,842 |
| Tier 1 risk-based capital ratio | 11.4459% | 5,291 |
| Total risk-based capital ratio | 12.5573% | 5,330 |
| Memoranda: | ||
| Average total assets | $183,009,000 | 3,375 |
| Average earning assets | $177,359,600 | 3,221 |
| Average equity | $19,628,000 | 3,285 |
| Average total loans | $142,689,200 | 3,045 |