Home > Fort Hood National Bank > Performance and Condition Ratios
Fort Hood National Bank, Performance and Condition Ratios
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5848% | 4,886 |
| Cost of funding earning assets | 0.1449% | 4,813 |
| Net interest margin | 2.4400% | 4,698 |
| Noninterest income to average assets | 2.3627% | 254 |
| Noninterest expense to average assets | 3.7307% | 501 |
| Loan and lease loss provision to assets | 0.0284% | 3,977 |
| Net operating income to assets | 0.7710% | 3,208 |
| Return on assets (ROA) | 0.7836% | 3,270 |
| Pretax return on assets | 0.7836% | 3,688 |
| Return on Equity (ROE) | 8.5732% | 2,572 |
| Retained earnings to average equity (ytd only) | 8.5732% | 1,118 |
| Net charge-offs to loans | 0.1463% | 1,001 |
| Credit loss provision to net charge-offs | 63.6364% | 2,837 |
| Earnings coverage of net charge-offs (x) | 17.8455% | 1,989 |
| Efficiency ratio | 82.3519% | 714 |
| Assets per employee ($millions) | 5.8141% | 2,433 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5594% | 4,774 |
| Loan loss allowance to noncurrent loans | 51.1000% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 2,968 |
| Noncurrent loans to loans | 1.0947% | 1,375 |
| Net loans and leases to total assets | 26.9388% | 4,873 |
| Net loans and leases to deposits | 30.2181% | 4,893 |
| Net loans and leases to core deposits | 30.3964% | 4,900 |
| Total domestic deposits to total assets | 89.1479% | 708 |
| Equity capital to assets | 9.6137% | 3,593 |
| Core capital (leverage) ratio | 7.7397% | 4,805 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 40.8765% | 138 |
| Memoranda: | ||
| Average total assets | $327,363,750 | 2,131 |
| Average earning assets | $290,817,500 | 2,212 |
| Average equity | $29,922,000 | 2,477 |
| Average total loans | $100,215,750 | 3,235 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6605% | 4,946 |
| Cost of funding earning assets | 0.1560% | 4,867 |
| Net interest margin | 2.5045% | 4,734 |
| Noninterest income to average assets | 2.4136% | 233 |
| Noninterest expense to average assets | 3.7682% | 525 |
| Loan and lease loss provision to assets | 0.0210% | 3,984 |
| Net operating income to assets | 0.8640% | 2,829 |
| Return on assets (ROA) | 0.8831% | 2,879 |
| Pretax return on assets | 0.8831% | 3,363 |
| Return on Equity (ROE) | 9.8385% | 2,035 |
| Retained earnings to average equity (ytd only) | 9.8385% | 817 |
| Net charge-offs to loans | 0.1163% | 1,149 |
| Credit loss provision to net charge-offs | 56.6667% | 2,597 |
| Earnings coverage of net charge-offs (x) | 23.9000% | 1,588 |
| Efficiency ratio | 80.9814% | 818 |
| Assets per employee ($millions) | 6.0832% | 2,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,182 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5385% | 4,798 |
| Loan loss allowance to noncurrent loans | 392.5373% | 1,249 |
| Noncurrent assets plus other real estate owned to assets | 0.0361% | 4,365 |
| Noncurrent loans to loans | 0.1372% | 3,910 |
| Net loans and leases to total assets | 26.1811% | 4,908 |
| Net loans and leases to deposits | 29.0292% | 4,935 |
| Net loans and leases to core deposits | 29.1795% | 4,939 |
| Total domestic deposits to total assets | 90.1888% | 348 |
| Equity capital to assets | 8.4527% | 4,506 |
| Core capital (leverage) ratio | 8.6350% | 4,270 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.4682% | 126 |
| Memoranda: | ||
| Average total assets | $324,079,667 | 2,123 |
| Average earning assets | $289,793,333 | 2,188 |
| Average equity | $29,089,667 | 2,517 |
| Average total loans | $103,170,000 | 3,186 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9152% | 4,973 |
| Cost of funding earning assets | 0.2067% | 4,875 |
| Net interest margin | 2.7086% | 4,664 |
| Noninterest income to average assets | 2.8039% | 166 |
| Noninterest expense to average assets | 4.3170% | 361 |
| Loan and lease loss provision to assets | 0.0093% | 3,649 |
| Net operating income to assets | 0.9196% | 2,457 |
| Return on assets (ROA) | 0.9608% | 2,418 |
| Pretax return on assets | 0.9608% | 2,961 |
| Return on Equity (ROE) | 10.3322% | 1,632 |
| Retained earnings to average equity (ytd only) | 10.3322% | 680 |
| Net charge-offs to loans | 0.1133% | 1,023 |
| Credit loss provision to net charge-offs | 23.3333% | 2,189 |
| Earnings coverage of net charge-offs (x) | 23.2667% | 1,334 |
| Efficiency ratio | 82.2933% | 958 |
| Assets per employee ($millions) | 4.6618% | 3,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5100% | 4,862 |
| Loan loss allowance to noncurrent loans | 7.4251% | 4,568 |
| Noncurrent assets plus other real estate owned to assets | 2.3112% | 320 |
| Noncurrent loans to loans | 6.8691% | 60 |
| Net loans and leases to total assets | 33.4742% | 4,842 |
| Net loans and leases to deposits | 37.6549% | 4,877 |
| Net loans and leases to core deposits | 37.8939% | 4,900 |
| Total domestic deposits to total assets | 88.8973% | 709 |
| Equity capital to assets | 9.6694% | 4,069 |
| Core capital (leverage) ratio | 9.0686% | 4,403 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 42.9278% | 123 |
| Memoranda: | ||
| Average total assets | $300,581,000 | 2,207 |
| Average earning assets | $270,989,000 | 2,259 |
| Average equity | $27,951,500 | 2,581 |
| Average total loans | $105,916,000 | 3,143 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1779% | 5,002 |
| Cost of funding earning assets | 0.2554% | 4,839 |
| Net interest margin | 2.9225% | 4,631 |
| Noninterest income to average assets | 3.1947% | 136 |
| Noninterest expense to average assets | 4.7133% | 259 |
| Loan and lease loss provision to assets | 0.0820% | 2,365 |
| Net operating income to assets | 1.0008% | 2,848 |
| Return on assets (ROA) | 1.0008% | 2,932 |
| Pretax return on assets | 1.0008% | 3,461 |
| Return on Equity (ROE) | 11.7077% | 1,617 |
| Retained earnings to average equity (ytd only) | 4.5103% | 2,701 |
| Net charge-offs to loans | 0.2396% | 854 |
| Credit loss provision to net charge-offs | 90.9091% | 2,642 |
| Earnings coverage of net charge-offs (x) | 12.0000% | 2,445 |
| Efficiency ratio | 81.3186% | 845 |
| Assets per employee ($millions) | 4.7335% | 2,918 |
| Cash dividends to net income (ytd only)* | 61.4754% | 1,497 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5087% | 4,879 |
| Loan loss allowance to noncurrent loans | 8.3170% | 4,591 |
| Noncurrent assets plus other real estate owned to assets | 2.2574% | 311 |
| Noncurrent loans to loans | 6.1167% | 68 |
| Net loans and leases to total assets | 36.7177% | 4,824 |
| Net loans and leases to deposits | 41.1415% | 4,883 |
| Net loans and leases to core deposits | 41.6029% | 4,913 |
| Total domestic deposits to total assets | 89.2473% | 577 |
| Equity capital to assets | 8.9110% | 4,726 |
| Core capital (leverage) ratio | 8.9154% | 4,588 |
| Tier 1 risk-based capital ratio | 45.0965% | 173 |
| Total risk-based capital ratio | 46.0993% | 174 |
| Memoranda: | ||
| Average total assets | $292,579,400 | 2,207 |
| Average earning assets | $260,424,800 | 2,274 |
| Average equity | $25,009,200 | 2,717 |
| Average total loans | $110,171,200 | 3,084 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2906% | 5,069 |
| Cost of funding earning assets | 0.2604% | 4,897 |
| Net interest margin | 3.0302% | 4,588 |
| Noninterest income to average assets | 3.2289% | 143 |
| Noninterest expense to average assets | 4.8538% | 230 |
| Loan and lease loss provision to assets | 0.0670% | 2,544 |
| Net operating income to assets | 0.9618% | 3,113 |
| Return on assets (ROA) | 0.9618% | 3,194 |
| Pretax return on assets | 0.9618% | 3,707 |
| Return on Equity (ROE) | 11.3735% | 1,855 |
| Retained earnings to average equity (ytd only) | 5.9807% | 2,379 |
| Net charge-offs to loans | 0.2362% | 755 |
| Credit loss provision to net charge-offs | 75.0000% | 2,566 |
| Earnings coverage of net charge-offs (x) | 11.5100% | 2,436 |
| Efficiency ratio | 82.5103% | 723 |
| Assets per employee ($millions) | 4.4419% | 3,297 |
| Cash dividends to net income (ytd only)* | 47.4158% | 1,813 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4685% | 5,010 |
| Loan loss allowance to noncurrent loans | 9.1035% | 4,672 |
| Noncurrent assets plus other real estate owned to assets | 1.9415% | 464 |
| Noncurrent loans to loans | 5.1463% | 102 |
| Net loans and leases to total assets | 37.5492% | 4,878 |
| Net loans and leases to deposits | 42.3312% | 4,951 |
| Net loans and leases to core deposits | 42.7937% | 4,983 |
| Total domestic deposits to total assets | 88.7034% | 740 |
| Equity capital to assets | 8.9444% | 4,809 |
| Core capital (leverage) ratio | 8.9659% | 4,661 |
| Tier 1 risk-based capital ratio | 40.3388% | 237 |
| Total risk-based capital ratio | 41.1957% | 245 |
| Memoranda: | ||
| Average total assets | $292,354,250 | 2,221 |
| Average earning assets | $256,038,750 | 2,309 |
| Average equity | $24,723,500 | 2,754 |
| Average total loans | $110,636,500 | 3,109 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2191% | 5,149 |
| Cost of funding earning assets | 0.2564% | 4,937 |
| Net interest margin | 2.9627% | 4,743 |
| Noninterest income to average assets | 3.2278% | 138 |
| Noninterest expense to average assets | 4.8960% | 231 |
| Loan and lease loss provision to assets | 0.0468% | 2,876 |
| Net operating income to assets | 0.9016% | 3,273 |
| Return on assets (ROA) | 0.8968% | 3,363 |
| Pretax return on assets | 0.8968% | 3,855 |
| Return on Equity (ROE) | 10.8170% | 2,054 |
| Retained earnings to average equity (ytd only) | 6.6662% | 1,969 |
| Net charge-offs to loans | 0.2289% | 736 |
| Credit loss provision to net charge-offs | 53.9683% | 2,442 |
| Earnings coverage of net charge-offs (x) | 10.9365% | 2,231 |
| Efficiency ratio | 83.7730% | 670 |
| Assets per employee ($millions) | 4.4164% | 3,264 |
| Cash dividends to net income (ytd only)* | 38.3730% | 2,269 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4704% | 5,051 |
| Loan loss allowance to noncurrent loans | 9.2869% | 4,719 |
| Noncurrent assets plus other real estate owned to assets | 1.8814% | 520 |
| Noncurrent loans to loans | 5.0651% | 103 |
| Net loans and leases to total assets | 36.9692% | 4,947 |
| Net loans and leases to deposits | 41.7115% | 5,002 |
| Net loans and leases to core deposits | 42.1644% | 5,044 |
| Total domestic deposits to total assets | 88.6305% | 814 |
| Equity capital to assets | 8.6641% | 4,970 |
| Core capital (leverage) ratio | 8.8240% | 4,770 |
| Tier 1 risk-based capital ratio | 38.6375% | 259 |
| Total risk-based capital ratio | 39.4543% | 261 |
| Memoranda: | ||
| Average total assets | $290,604,330 | 2,231 |
| Average earning assets | $256,659,000 | 2,319 |
| Average equity | $24,091,670 | 2,790 |
| Average total loans | $110,090,670 | 3,138 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1721% | 5,217 |
| Cost of funding earning assets | 0.2460% | 4,990 |
| Net interest margin | 2.9261% | 4,855 |
| Noninterest income to average assets | 3.2894% | 128 |
| Noninterest expense to average assets | 4.9202% | 217 |
| Loan and lease loss provision to assets | 0.0264% | 3,080 |
| Net operating income to assets | 0.9696% | 2,973 |
| Return on assets (ROA) | 0.9696% | 3,016 |
| Pretax return on assets | 0.9696% | 3,544 |
| Return on Equity (ROE) | 11.9731% | 1,535 |
| Retained earnings to average equity (ytd only) | 11.9731% | 615 |
| Net charge-offs to loans | 0.1851% | 749 |
| Credit loss provision to net charge-offs | 37.2549% | 2,047 |
| Earnings coverage of net charge-offs (x) | 14.0588% | 1,815 |
| Efficiency ratio | 83.1651% | 775 |
| Assets per employee ($millions) | 4.3537% | 3,413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5036% | 5,076 |
| Loan loss allowance to noncurrent loans | 9.9142% | 4,786 |
| Noncurrent assets plus other real estate owned to assets | 1.8500% | 559 |
| Noncurrent loans to loans | 5.0800% | 109 |
| Net loans and leases to total assets | 36.2343% | 5,014 |
| Net loans and leases to deposits | 40.8933% | 5,064 |
| Net loans and leases to core deposits | 41.3372% | 5,091 |
| Total domestic deposits to total assets | 88.6068% | 1,034 |
| Equity capital to assets | 8.1961% | 5,128 |
| Core capital (leverage) ratio | 8.9827% | 4,662 |
| Tier 1 risk-based capital ratio | 39.5353% | 243 |
| Total risk-based capital ratio | 40.4169% | 245 |
| Memoranda: | ||
| Average total assets | $287,957,500 | 2,262 |
| Average earning assets | $258,504,500 | 2,327 |
| Average equity | $23,319,000 | 2,855 |
| Average total loans | $110,182,000 | 3,164 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9134% | 5,257 |
| Cost of funding earning assets | 0.2120% | 4,954 |
| Net interest margin | 2.7014% | 5,098 |
| Noninterest income to average assets | 3.5078% | 123 |
| Noninterest expense to average assets | 4.8012% | 237 |
| Loan and lease loss provision to assets | 0.1136% | 1,938 |
| Net operating income to assets | 1.0875% | 2,654 |
| Return on assets (ROA) | 1.0871% | 2,648 |
| Pretax return on assets | 1.0871% | 3,321 |
| Return on Equity (ROE) | 14.0126% | 1,039 |
| Retained earnings to average equity (ytd only) | 8.1818% | 1,159 |
| Net charge-offs to loans | 0.2423% | 803 |
| Credit loss provision to net charge-offs | 118.0451% | 2,198 |
| Earnings coverage of net charge-offs (x) | 12.4774% | 2,527 |
| Efficiency ratio | 79.9891% | 964 |
| Assets per employee ($millions) | 4.1156% | 3,728 |
| Cash dividends to net income (ytd only)* | 41.6112% | 2,434 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5109% | 5,107 |
| Loan loss allowance to noncurrent loans | 8.1295% | 4,816 |
| Noncurrent assets plus other real estate owned to assets | 2.5273% | 297 |
| Noncurrent loans to loans | 6.2844% | 63 |
| Net loans and leases to total assets | 40.0102% | 4,948 |
| Net loans and leases to deposits | 45.0199% | 5,006 |
| Net loans and leases to core deposits | 45.4233% | 5,051 |
| Total domestic deposits to total assets | 88.8723% | 914 |
| Equity capital to assets | 7.9943% | 5,165 |
| Core capital (leverage) ratio | 8.8873% | 4,748 |
| Tier 1 risk-based capital ratio | 40.5198% | 224 |
| Total risk-based capital ratio | 41.5048% | 226 |
| Memoranda: | ||
| Average total assets | $276,324,200 | 2,288 |
| Average earning assets | $255,163,600 | 2,300 |
| Average equity | $21,437,800 | 2,945 |
| Average total loans | $109,771,800 | 3,134 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8541% | 5,338 |
| Cost of funding earning assets | 0.2055% | 5,003 |
| Net interest margin | 2.6486% | 5,196 |
| Noninterest income to average assets | 3.5104% | 135 |
| Noninterest expense to average assets | 4.7699% | 238 |
| Loan and lease loss provision to assets | 0.1176% | 1,724 |
| Net operating income to assets | 1.0557% | 2,849 |
| Return on assets (ROA) | 1.0553% | 2,859 |
| Pretax return on assets | 1.0553% | 3,555 |
| Return on Equity (ROE) | 13.7077% | 1,199 |
| Retained earnings to average equity (ytd only) | 8.9918% | 1,219 |
| Net charge-offs to loans | 0.2653% | 630 |
| Credit loss provision to net charge-offs | 111.9816% | 2,086 |
| Earnings coverage of net charge-offs (x) | 11.1704% | 2,537 |
| Efficiency ratio | 80.2574% | 922 |
| Assets per employee ($millions) | 4.1363% | 3,679 |
| Cash dividends to net income (ytd only)* | 34.4039% | 2,346 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5033% | 5,185 |
| Loan loss allowance to noncurrent loans | 8.5419% | 4,931 |
| Noncurrent assets plus other real estate owned to assets | 2.3017% | 407 |
| Noncurrent loans to loans | 5.8917% | 87 |
| Net loans and leases to total assets | 38.8705% | 5,052 |
| Net loans and leases to deposits | 43.5423% | 5,123 |
| Net loans and leases to core deposits | 43.9262% | 5,167 |
| Total domestic deposits to total assets | 89.2707% | 740 |
| Equity capital to assets | 7.4125% | 5,325 |
| Core capital (leverage) ratio | 8.8570% | 4,843 |
| Tier 1 risk-based capital ratio | 37.2250% | 271 |
| Total risk-based capital ratio | 38.1073% | 273 |
| Memoranda: | ||
| Average total assets | $275,440,000 | 2,306 |
| Average earning assets | $253,009,000 | 2,332 |
| Average equity | $21,204,000 | 2,983 |
| Average total loans | $109,077,750 | 3,172 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.6971% | 5,436 |
| Cost of funding earning assets | 0.1932% | 5,059 |
| Net interest margin | 2.5039% | 5,344 |
| Noninterest income to average assets | 3.5276% | 132 |
| Noninterest expense to average assets | 4.8198% | 237 |
| Loan and lease loss provision to assets | 0.0885% | 2,146 |
| Net operating income to assets | 0.9792% | 3,111 |
| Return on assets (ROA) | 0.9799% | 3,114 |
| Pretax return on assets | 0.9799% | 3,724 |
| Return on Equity (ROE) | 12.5690% | 1,515 |
| Retained earnings to average equity (ytd only) | 12.5690% | 440 |
| Net charge-offs to loans | 0.2316% | 691 |
| Credit loss provision to net charge-offs | 96.0317% | 2,106 |
| Earnings coverage of net charge-offs (x) | 11.5873% | 2,257 |
| Efficiency ratio | 81.8656% | 846 |
| Assets per employee ($millions) | 4.2012% | 3,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4835% | 5,277 |
| Loan loss allowance to noncurrent loans | 10.0675% | 4,946 |
| Noncurrent assets plus other real estate owned to assets | 1.8700% | 600 |
| Noncurrent loans to loans | 4.8027% | 147 |
| Net loans and leases to total assets | 38.7476% | 5,102 |
| Net loans and leases to deposits | 43.3732% | 5,162 |
| Net loans and leases to core deposits | 43.7546% | 5,201 |
| Total domestic deposits to total assets | 89.3353% | 799 |
| Equity capital to assets | 7.7081% | 5,318 |
| Core capital (leverage) ratio | 8.8671% | 4,819 |
| Tier 1 risk-based capital ratio | 43.9758% | 185 |
| Total risk-based capital ratio | 44.9636% | 183 |
| Memoranda: | ||
| Average total assets | $273,497,670 | 2,327 |
| Average earning assets | $257,759,000 | 2,297 |
| Average equity | $21,322,330 | 2,985 |
| Average total loans | $108,809,330 | 3,192 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5816% | 5,518 |
| Cost of funding earning assets | 0.1814% | 5,111 |
| Net interest margin | 2.4002% | 5,439 |
| Noninterest income to average assets | 3.5816% | 132 |
| Noninterest expense to average assets | 4.9365% | 227 |
| Loan and lease loss provision to assets | 0.1193% | 1,581 |
| Net operating income to assets | 0.7864% | 3,768 |
| Return on assets (ROA) | 0.7835% | 3,774 |
| Pretax return on assets | 0.7835% | 4,194 |
| Return on Equity (ROE) | 9.9920% | 2,436 |
| Retained earnings to average equity (ytd only) | 9.9920% | 1,159 |
| Net charge-offs to loans | 0.2966% | 517 |
| Credit loss provision to net charge-offs | 100.0000% | 1,540 |
| Earnings coverage of net charge-offs (x) | 7.5926% | 2,072 |
| Efficiency ratio | 84.4971% | 763 |
| Assets per employee ($millions) | 4.1850% | 3,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4776% | 5,355 |
| Loan loss allowance to noncurrent loans | 8.6649% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 2.2020% | 474 |
| Noncurrent loans to loans | 5.5122% | 120 |
| Net loans and leases to total assets | 39.7566% | 5,080 |
| Net loans and leases to deposits | 44.4799% | 5,139 |
| Net loans and leases to core deposits | 44.8723% | 5,188 |
| Total domestic deposits to total assets | 89.3812% | 926 |
| Equity capital to assets | 7.5939% | 5,391 |
| Core capital (leverage) ratio | 8.7878% | 4,906 |
| Tier 1 risk-based capital ratio | 44.7136% | 177 |
| Total risk-based capital ratio | 45.7641% | 175 |
| Memoranda: | ||
| Average total assets | $271,607,000 | 2,358 |
| Average earning assets | $255,814,000 | 2,324 |
| Average equity | $21,297,000 | 3,018 |
| Average total loans | $109,233,500 | 3,204 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.5344% | 5,546 |
| Cost of funding earning assets | 0.1527% | 5,248 |
| Net interest margin | 2.3817% | 5,472 |
| Noninterest income to average assets | 3.7191% | 139 |
| Noninterest expense to average assets | 5.0056% | 218 |
| Loan and lease loss provision to assets | 0.1472% | 1,548 |
| Net operating income to assets | 0.8090% | 3,118 |
| Return on assets (ROA) | 0.7914% | 3,244 |
| Pretax return on assets | 0.7914% | 4,269 |
| Return on Equity (ROE) | 9.8934% | 1,935 |
| Retained earnings to average equity (ytd only) | 9.8934% | 363 |
| Net charge-offs to loans | 0.2649% | 982 |
| Credit loss provision to net charge-offs | 145.6604% | 1,824 |
| Earnings coverage of net charge-offs (x) | 9.4604% | 2,785 |
| Efficiency ratio | 83.9614% | 769 |
| Assets per employee ($millions) | 4.0455% | 3,888 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4874% | 5,401 |
| Loan loss allowance to noncurrent loans | 10.0861% | 5,044 |
| Noncurrent assets plus other real estate owned to assets | 1.9569% | 582 |
| Noncurrent loans to loans | 4.8322% | 149 |
| Net loans and leases to total assets | 40.2995% | 5,126 |
| Net loans and leases to deposits | 45.7490% | 5,204 |
| Net loans and leases to core deposits | 46.1740% | 5,234 |
| Total domestic deposits to total assets | 88.0883% | 1,452 |
| Equity capital to assets | 8.0968% | 5,352 |
| Core capital (leverage) ratio | 8.7147% | 4,938 |
| Tier 1 risk-based capital ratio | 39.7686% | 220 |
| Total risk-based capital ratio | 40.7257% | 219 |
| Memoranda: | ||
| Average total assets | $262,185,000 | 2,397 |
| Average earning assets | $246,884,200 | 2,368 |
| Average equity | $20,973,600 | 3,036 |
| Average total loans | $100,022,200 | 3,348 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4614% | 5,632 |
| Cost of funding earning assets | 0.1419% | 5,364 |
| Net interest margin | 2.3194% | 5,564 |
| Noninterest income to average assets | 3.7545% | 146 |
| Noninterest expense to average assets | 4.9627% | 227 |
| Loan and lease loss provision to assets | 0.1451% | 1,450 |
| Net operating income to assets | 0.8343% | 3,362 |
| Return on assets (ROA) | 0.8108% | 3,528 |
| Pretax return on assets | 0.8108% | 4,321 |
| Return on Equity (ROE) | 10.1668% | 2,052 |
| Retained earnings to average equity (ytd only) | 10.1668% | 553 |
| Net charge-offs to loans | 0.2449% | 878 |
| Credit loss provision to net charge-offs | 157.7778% | 1,619 |
| Earnings coverage of net charge-offs (x) | 10.6502% | 2,576 |
| Efficiency ratio | 83.5182% | 794 |
| Assets per employee ($millions) | 4.1683% | 3,707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4762% | 5,496 |
| Loan loss allowance to noncurrent loans | 12.6457% | 5,124 |
| Noncurrent assets plus other real estate owned to assets | 1.5118% | 1,004 |
| Noncurrent loans to loans | 3.7661% | 278 |
| Net loans and leases to total assets | 39.9512% | 5,202 |
| Net loans and leases to deposits | 45.0948% | 5,284 |
| Net loans and leases to core deposits | 45.5086% | 5,327 |
| Total domestic deposits to total assets | 88.5938% | 1,073 |
| Equity capital to assets | 8.1869% | 5,443 |
| Core capital (leverage) ratio | 8.6305% | 5,125 |
| Tier 1 risk-based capital ratio | 45.2903% | 162 |
| Total risk-based capital ratio | 46.3691% | 162 |
| Memoranda: | ||
| Average total assets | $260,979,750 | 2,420 |
| Average earning assets | $246,145,250 | 2,390 |
| Average equity | $20,812,250 | 3,075 |
| Average total loans | $97,995,500 | 3,413 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3938% | 5,684 |
| Cost of funding earning assets | 0.1290% | 5,454 |
| Net interest margin | 2.2648% | 5,626 |
| Noninterest income to average assets | 3.7429% | 154 |
| Noninterest expense to average assets | 4.9620% | 221 |
| Loan and lease loss provision to assets | 0.1312% | 1,589 |
| Net operating income to assets | 0.7782% | 3,496 |
| Return on assets (ROA) | 0.7419% | 3,726 |
| Pretax return on assets | 0.7419% | 4,448 |
| Return on Equity (ROE) | 9.3895% | 2,317 |
| Retained earnings to average equity (ytd only) | 9.3895% | 732 |
| Net charge-offs to loans | 0.2380% | 856 |
| Credit loss provision to net charge-offs | 150.4425% | 1,518 |
| Earnings coverage of net charge-offs (x) | 10.4248% | 2,342 |
| Efficiency ratio | 84.5102% | 799 |
| Assets per employee ($millions) | 4.1919% | 3,637 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4583% | 5,561 |
| Loan loss allowance to noncurrent loans | 12.6815% | 5,160 |
| Noncurrent assets plus other real estate owned to assets | 1.3825% | 1,142 |
| Noncurrent loans to loans | 3.6141% | 302 |
| Net loans and leases to total assets | 38.0774% | 5,302 |
| Net loans and leases to deposits | 42.6220% | 5,381 |
| Net loans and leases to core deposits | 43.0081% | 5,421 |
| Total domestic deposits to total assets | 89.3374% | 793 |
| Equity capital to assets | 8.0332% | 5,521 |
| Core capital (leverage) ratio | 8.3418% | 5,325 |
| Tier 1 risk-based capital ratio | 44.9378% | 164 |
| Total risk-based capital ratio | 45.9388% | 161 |
| Memoranda: | ||
| Average total assets | $259,050,330 | 2,447 |
| Average earning assets | $243,460,000 | 2,420 |
| Average equity | $20,469,670 | 3,108 |
| Average total loans | $94,965,000 | 3,472 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3054% | 5,767 |
| Cost of funding earning assets | 0.1146% | 5,594 |
| Net interest margin | 2.1908% | 5,707 |
| Noninterest income to average assets | 3.7500% | 159 |
| Noninterest expense to average assets | 4.8836% | 251 |
| Loan and lease loss provision to assets | 0.1060% | 1,803 |
| Net operating income to assets | 0.8171% | 3,143 |
| Return on assets (ROA) | 0.8171% | 3,200 |
| Pretax return on assets | 0.8171% | 4,048 |
| Return on Equity (ROE) | 10.4294% | 1,766 |
| Retained earnings to average equity (ytd only) | 10.4294% | 722 |
| Net charge-offs to loans | 0.2785% | 650 |
| Credit loss provision to net charge-offs | 106.2500% | 1,509 |
| Earnings coverage of net charge-offs (x) | 9.2500% | 2,004 |
| Efficiency ratio | 84.1031% | 961 |
| Assets per employee ($millions) | 4.1125% | 3,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4350% | 5,657 |
| Loan loss allowance to noncurrent loans | 11.8156% | 5,246 |
| Noncurrent assets plus other real estate owned to assets | 1.3184% | 1,290 |
| Noncurrent loans to loans | 3.6815% | 314 |
| Net loans and leases to total assets | 35.6553% | 5,414 |
| Net loans and leases to deposits | 39.8604% | 5,473 |
| Net loans and leases to core deposits | 40.2212% | 5,516 |
| Total domestic deposits to total assets | 89.4503% | 923 |
| Equity capital to assets | 7.7815% | 5,605 |
| Core capital (leverage) ratio | 8.4260% | 5,278 |
| Tier 1 risk-based capital ratio | 47.0769% | 154 |
| Total risk-based capital ratio | 48.0254% | 155 |
| Memoranda: | ||
| Average total assets | $256,530,000 | 2,489 |
| Average earning assets | $240,830,500 | 2,462 |
| Average equity | $20,097,000 | 3,162 |
| Average total loans | $91,936,500 | 3,557 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2894% | 5,804 |
| Cost of funding earning assets | 0.1033% | 5,688 |
| Net interest margin | 2.1861% | 5,756 |
| Noninterest income to average assets | 4.2169% | 141 |
| Noninterest expense to average assets | 5.4114% | 217 |
| Loan and lease loss provision to assets | 0.1427% | 1,752 |
| Net operating income to assets | 0.6019% | 4,200 |
| Return on assets (ROA) | 0.6075% | 4,293 |
| Pretax return on assets | 0.6075% | 4,766 |
| Return on Equity (ROE) | 7.4312% | 3,250 |
| Retained earnings to average equity (ytd only) | 7.4312% | 1,065 |
| Net charge-offs to loans | 0.3889% | 688 |
| Credit loss provision to net charge-offs | 119.5286% | 2,220 |
| Earnings coverage of net charge-offs (x) | 6.2357% | 3,211 |
| Efficiency ratio | 87.9041% | 686 |
| Assets per employee ($millions) | 3.9040% | 4,135 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4530% | 5,695 |
| Loan loss allowance to noncurrent loans | 9.1627% | 5,296 |
| Noncurrent assets plus other real estate owned to assets | 1.7734% | 841 |
| Noncurrent loans to loans | 4.9443% | 163 |
| Net loans and leases to total assets | 35.7049% | 5,495 |
| Net loans and leases to deposits | 40.0167% | 5,553 |
| Net loans and leases to core deposits | 40.3998% | 5,589 |
| Total domestic deposits to total assets | 89.2251% | 998 |
| Equity capital to assets | 7.8896% | 5,611 |
| Core capital (leverage) ratio | 8.4100% | 5,357 |
| Tier 1 risk-based capital ratio | 36.8455% | 280 |
| Total risk-based capital ratio | 37.6001% | 286 |
| Memoranda: | ||
| Average total assets | $248,715,600 | 2,515 |
| Average earning assets | $220,623,800 | 2,592 |
| Average equity | $20,333,200 | 3,134 |
| Average total loans | $76,373,200 | 3,891 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2965% | 5,873 |
| Cost of funding earning assets | 0.1036% | 5,752 |
| Net interest margin | 2.1929% | 5,820 |
| Noninterest income to average assets | 4.2812% | 145 |
| Noninterest expense to average assets | 5.4941% | 209 |
| Loan and lease loss provision to assets | 0.1267% | 1,845 |
| Net operating income to assets | 0.5807% | 4,367 |
| Return on assets (ROA) | 0.5882% | 4,447 |
| Pretax return on assets | 0.5882% | 4,907 |
| Return on Equity (ROE) | 7.1324% | 3,488 |
| Retained earnings to average equity (ytd only) | 7.1324% | 1,554 |
| Net charge-offs to loans | 0.3887% | 562 |
| Credit loss provision to net charge-offs | 110.7981% | 2,216 |
| Earnings coverage of net charge-offs (x) | 6.1879% | 3,025 |
| Efficiency ratio | 88.5937% | 643 |
| Assets per employee ($millions) | 3.9816% | 3,997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4543% | 5,762 |
| Loan loss allowance to noncurrent loans | 11.7591% | 5,384 |
| Noncurrent assets plus other real estate owned to assets | 1.2578% | 1,555 |
| Noncurrent loans to loans | 3.8635% | 298 |
| Net loans and leases to total assets | 32.4078% | 5,667 |
| Net loans and leases to deposits | 36.2715% | 5,720 |
| Net loans and leases to core deposits | 36.6144% | 5,745 |
| Total domestic deposits to total assets | 89.3477% | 737 |
| Equity capital to assets | 8.4489% | 5,558 |
| Core capital (leverage) ratio | 8.3235% | 5,487 |
| Tier 1 risk-based capital ratio | 36.9091% | 292 |
| Total risk-based capital ratio | 37.6146% | 306 |
| Memoranda: | ||
| Average total assets | $248,429,750 | 2,528 |
| Average earning assets | $217,547,250 | 2,630 |
| Average equity | $20,488,250 | 3,148 |
| Average total loans | $73,062,000 | 3,989 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3230% | 5,951 |
| Cost of funding earning assets | 0.1066% | 5,826 |
| Net interest margin | 2.2163% | 5,895 |
| Noninterest income to average assets | 4.3049% | 147 |
| Noninterest expense to average assets | 5.5616% | 204 |
| Loan and lease loss provision to assets | 0.0880% | 2,383 |
| Net operating income to assets | 0.5524% | 4,473 |
| Return on assets (ROA) | 0.5629% | 4,548 |
| Pretax return on assets | 0.5629% | 4,992 |
| Return on Equity (ROE) | 6.8828% | 3,614 |
| Retained earnings to average equity (ytd only) | 6.8828% | 1,676 |
| Net charge-offs to loans | 0.3334% | 710 |
| Credit loss provision to net charge-offs | 93.1624% | 2,204 |
| Earnings coverage of net charge-offs (x) | 6.7778% | 2,705 |
| Efficiency ratio | 89.6731% | 621 |
| Assets per employee ($millions) | 3.7604% | 4,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4517% | 5,844 |
| Loan loss allowance to noncurrent loans | 14.2022% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 0.9502% | 2,254 |
| Noncurrent loans to loans | 3.1808% | 447 |
| Net loans and leases to total assets | 29.7380% | 5,785 |
| Net loans and leases to deposits | 33.4590% | 5,834 |
| Net loans and leases to core deposits | 33.5220% | 5,854 |
| Total domestic deposits to total assets | 88.8791% | 969 |
| Equity capital to assets | 8.3842% | 5,657 |
| Core capital (leverage) ratio | 8.1628% | 5,619 |
| Tier 1 risk-based capital ratio | 36.8489% | 290 |
| Total risk-based capital ratio | 37.5080% | 300 |
| Memoranda: | ||
| Average total assets | $247,627,000 | 2,552 |
| Average earning assets | $211,971,330 | 2,697 |
| Average equity | $20,253,330 | 3,169 |
| Average total loans | $70,195,330 | 4,092 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2774% | 6,025 |
| Cost of funding earning assets | 0.1046% | 5,897 |
| Net interest margin | 2.1727% | 5,974 |
| Noninterest income to average assets | 4.4226% | 140 |
| Noninterest expense to average assets | 5.6334% | 200 |
| Loan and lease loss provision to assets | 0.0505% | 2,910 |
| Net operating income to assets | 0.6339% | 4,041 |
| Return on assets (ROA) | 0.6535% | 4,079 |
| Pretax return on assets | 0.6535% | 4,669 |
| Return on Equity (ROE) | 8.0937% | 2,859 |
| Retained earnings to average equity (ytd only) | 8.0937% | 1,414 |
| Net charge-offs to loans | 0.2187% | 931 |
| Credit loss provision to net charge-offs | 83.7838% | 1,810 |
| Earnings coverage of net charge-offs (x) | 11.3514% | 1,866 |
| Efficiency ratio | 89.1669% | 729 |
| Assets per employee ($millions) | 3.4008% | 4,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4849% | 5,874 |
| Loan loss allowance to noncurrent loans | 19.1061% | 5,453 |
| Noncurrent assets plus other real estate owned to assets | 0.7113% | 2,932 |
| Noncurrent loans to loans | 2.5380% | 730 |
| Net loans and leases to total assets | 27.8893% | 5,878 |
| Net loans and leases to deposits | 31.2589% | 5,910 |
| Net loans and leases to core deposits | 31.3172% | 5,927 |
| Total domestic deposits to total assets | 89.2202% | 988 |
| Equity capital to assets | 8.1568% | 5,763 |
| Core capital (leverage) ratio | 8.1966% | 5,656 |
| Tier 1 risk-based capital ratio | 38.9016% | 252 |
| Total risk-based capital ratio | 39.6125% | 259 |
| Memoranda: | ||
| Average total assets | $245,465,500 | 2,576 |
| Average earning assets | $214,107,500 | 2,683 |
| Average equity | $19,818,000 | 3,221 |
| Average total loans | $67,660,500 | 4,169 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2697% | 6,058 |
| Cost of funding earning assets | 0.1017% | 5,954 |
| Net interest margin | 2.1680% | 5,996 |
| Noninterest income to average assets | 4.8914% | 127 |
| Noninterest expense to average assets | 5.9985% | 178 |
| Loan and lease loss provision to assets | 0.1595% | 1,451 |
| Net operating income to assets | 0.6041% | 4,250 |
| Return on assets (ROA) | 0.6209% | 4,270 |
| Pretax return on assets | 0.6209% | 4,778 |
| Return on Equity (ROE) | 7.8279% | 3,050 |
| Retained earnings to average equity (ytd only) | 7.8279% | 969 |
| Net charge-offs to loans | 0.7512% | 308 |
| Credit loss provision to net charge-offs | 90.0474% | 2,759 |
| Earnings coverage of net charge-offs (x) | 4.3104% | 3,577 |
| Efficiency ratio | 88.7068% | 778 |
| Assets per employee ($millions) | 3.2334% | 5,255 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5371% | 5,890 |
| Loan loss allowance to noncurrent loans | 14.8211% | 5,521 |
| Noncurrent assets plus other real estate owned to assets | 0.9813% | 2,239 |
| Noncurrent loans to loans | 3.6238% | 366 |
| Net loans and leases to total assets | 26.9339% | 5,960 |
| Net loans and leases to deposits | 30.2708% | 5,986 |
| Net loans and leases to core deposits | 30.3322% | 6,002 |
| Total domestic deposits to total assets | 88.9763% | 1,123 |
| Equity capital to assets | 7.9862% | 5,856 |
| Core capital (leverage) ratio | 8.2300% | 5,666 |
| Tier 1 risk-based capital ratio | 39.6308% | 236 |
| Total risk-based capital ratio | 40.3839% | 239 |
| Memoranda: | ||
| Average total assets | $238,194,000 | 2,595 |
| Average earning assets | $205,536,800 | 2,716 |
| Average equity | $18,894,000 | 3,271 |
| Average total loans | $56,178,800 | 4,501 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2924% | 6,144 |
| Cost of funding earning assets | 0.1049% | 6,040 |
| Net interest margin | 2.1875% | 6,077 |
| Noninterest income to average assets | 4.9146% | 132 |
| Noninterest expense to average assets | 5.9429% | 182 |
| Loan and lease loss provision to assets | 0.1580% | 1,362 |
| Net operating income to assets | 0.6719% | 4,028 |
| Return on assets (ROA) | 0.6943% | 4,031 |
| Pretax return on assets | 0.6943% | 4,698 |
| Return on Equity (ROE) | 8.7682% | 2,693 |
| Retained earnings to average equity (ytd only) | 8.7682% | 985 |
| Net charge-offs to loans | 0.7280% | 289 |
| Credit loss provision to net charge-offs | 95.5932% | 2,376 |
| Earnings coverage of net charge-offs (x) | 5.0204% | 3,262 |
| Efficiency ratio | 87.7462% | 863 |
| Assets per employee ($millions) | 3.2818% | 5,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6028% | 5,887 |
| Loan loss allowance to noncurrent loans | 49.4751% | 4,961 |
| Noncurrent assets plus other real estate owned to assets | 0.3181% | 4,493 |
| Noncurrent loans to loans | 1.2183% | 2,100 |
| Net loans and leases to total assets | 25.9493% | 6,065 |
| Net loans and leases to deposits | 29.0026% | 6,089 |
| Net loans and leases to core deposits | 29.0592% | 6,103 |
| Total domestic deposits to total assets | 89.4724% | 786 |
| Equity capital to assets | 8.1692% | 5,889 |
| Core capital (leverage) ratio | 8.1197% | 5,831 |
| Tier 1 risk-based capital ratio | 34.2935% | 372 |
| Total risk-based capital ratio | 35.0088% | 381 |
| Memoranda: | ||
| Average total assets | $237,923,750 | 2,605 |
| Average earning assets | $202,109,750 | 2,778 |
| Average equity | $18,840,250 | 3,307 |
| Average total loans | $54,025,000 | 4,601 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2524% | 6,231 |
| Cost of funding earning assets | 0.1051% | 6,113 |
| Net interest margin | 2.1473% | 6,161 |
| Noninterest income to average assets | 4.8683% | 132 |
| Noninterest expense to average assets | 5.8094% | 191 |
| Loan and lease loss provision to assets | 0.1491% | 1,430 |
| Net operating income to assets | 0.7524% | 3,634 |
| Return on assets (ROA) | 0.7979% | 3,492 |
| Pretax return on assets | 0.7979% | 4,318 |
| Return on Equity (ROE) | 10.1846% | 1,988 |
| Retained earnings to average equity (ytd only) | 10.1846% | 632 |
| Net charge-offs to loans | 0.7033% | 325 |
| Credit loss provision to net charge-offs | 98.3333% | 2,094 |
| Earnings coverage of net charge-offs (x) | 5.9444% | 2,857 |
| Efficiency ratio | 86.5662% | 1,015 |
| Assets per employee ($millions) | 2.9322% | 5,679 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6725% | 5,867 |
| Loan loss allowance to noncurrent loans | 789.7959% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.0204% | 5,812 |
| Noncurrent loans to loans | 0.0851% | 5,400 |
| Net loans and leases to total assets | 23.7741% | 6,163 |
| Net loans and leases to deposits | 26.7717% | 6,185 |
| Net loans and leases to core deposits | 26.8254% | 6,193 |
| Total domestic deposits to total assets | 88.8031% | 1,246 |
| Equity capital to assets | 7.8081% | 6,043 |
| Core capital (leverage) ratio | 7.9022% | 5,975 |
| Tier 1 risk-based capital ratio | 34.8497% | 365 |
| Total risk-based capital ratio | 35.6082% | 378 |
| Memoranda: | ||
| Average total assets | $237,374,670 | 2,634 |
| Average earning assets | $203,695,000 | 2,776 |
| Average equity | $18,596,670 | 3,347 |
| Average total loans | $51,185,330 | 4,719 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.2294% | 6,299 |
| Cost of funding earning assets | 0.1068% | 6,178 |
| Net interest margin | 2.1226% | 6,236 |
| Noninterest income to average assets | 4.9796% | 126 |
| Noninterest expense to average assets | 6.2873% | 180 |
| Loan and lease loss provision to assets | 0.2069% | 871 |
| Net operating income to assets | 0.3392% | 5,282 |
| Return on assets (ROA) | 0.4308% | 5,065 |
| Pretax return on assets | 0.4308% | 5,363 |
| Return on Equity (ROE) | 5.4895% | 4,289 |
| Retained earnings to average equity (ytd only) | 5.4895% | 2,785 |
| Net charge-offs to loans | 1.0833% | 216 |
| Credit loss provision to net charge-offs | 93.8462% | 1,717 |
| Earnings coverage of net charge-offs (x) | 2.4769% | 2,745 |
| Efficiency ratio | 92.0079% | 715 |
| Assets per employee ($millions) | 2.6815% | 5,983 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7449% | 5,817 |
| Loan loss allowance to noncurrent loans | 2,387.5000% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.0066% | 5,933 |
| Noncurrent loans to loans | 0.0312% | 5,670 |
| Net loans and leases to total assets | 21.0920% | 6,258 |
| Net loans and leases to deposits | 23.6707% | 6,276 |
| Net loans and leases to core deposits | 23.7178% | 6,279 |
| Total domestic deposits to total assets | 89.1057% | 1,196 |
| Equity capital to assets | 7.8463% | 6,090 |
| Core capital (leverage) ratio | 7.7321% | 6,051 |
| Tier 1 risk-based capital ratio | 34.9841% | 361 |
| Total risk-based capital ratio | 35.7662% | 372 |
| Memoranda: | ||
| Average total assets | $235,841,000 | 2,668 |
| Average earning assets | $205,976,000 | 2,772 |
| Average equity | $18,508,000 | 3,386 |
| Average total loans | $48,003,000 | 4,846 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4072% | 6,350 |
| Cost of funding earning assets | 0.1100% | 6,300 |
| Net interest margin | 2.2971% | 6,270 |
| Noninterest income to average assets | 6.4185% | 96 |
| Noninterest expense to average assets | 7.6676% | 117 |
| Loan and lease loss provision to assets | 0.0809% | 2,860 |
| Net operating income to assets | 0.6652% | 4,064 |
| Return on assets (ROA) | 0.6704% | 4,142 |
| Pretax return on assets | 0.6704% | 4,724 |
| Return on Equity (ROE) | 9.3421% | 2,418 |
| Retained earnings to average equity (ytd only) | 7.6081% | 1,156 |
| Net charge-offs to loans | 0.5199% | 787 |
| Credit loss provision to net charge-offs | 93.5323% | 2,566 |
| Earnings coverage of net charge-offs (x) | 8.6219% | 2,851 |
| Efficiency ratio | 91.1315% | 771 |
| Assets per employee ($millions) | 2.5881% | 6,112 |
| Cash dividends to net income (ytd only)* | 18.5613% | 3,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8721% | 5,558 |
| Loan loss allowance to noncurrent loans | 2,600.0000% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 6,064 |
| Noncurrent loans to loans | 0.0335% | 5,756 |
| Net loans and leases to total assets | 19.2456% | 6,377 |
| Net loans and leases to deposits | 21.6569% | 6,389 |
| Net loans and leases to core deposits | 21.7504% | 6,391 |
| Total domestic deposits to total assets | 88.8658% | 1,311 |
| Equity capital to assets | 7.8491% | 6,127 |
| Core capital (leverage) ratio | 7.7257% | 6,121 |
| Tier 1 risk-based capital ratio | 39.7206% | 241 |
| Total risk-based capital ratio | 40.6409% | 242 |
| Memoranda: | ||
| Average total assets | $232,250,400 | 2,673 |
| Average earning assets | $201,729,000 | 2,791 |
| Average equity | $16,666,400 | 3,580 |
| Average total loans | $38,662,200 | 5,226 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4419% | 6,422 |
| Cost of funding earning assets | 0.1131% | 6,364 |
| Net interest margin | 2.3288% | 6,325 |
| Noninterest income to average assets | 6.5431% | 94 |
| Noninterest expense to average assets | 7.6970% | 113 |
| Loan and lease loss provision to assets | 0.0779% | 2,784 |
| Net operating income to assets | 0.7614% | 3,618 |
| Return on assets (ROA) | 0.7683% | 3,680 |
| Pretax return on assets | 0.7683% | 4,470 |
| Return on Equity (ROE) | 10.9603% | 1,803 |
| Retained earnings to average equity (ytd only) | 8.5982% | 1,124 |
| Net charge-offs to loans | 0.5097% | 756 |
| Credit loss provision to net charge-offs | 95.7746% | 2,326 |
| Earnings coverage of net charge-offs (x) | 10.3168% | 2,557 |
| Efficiency ratio | 90.1678% | 835 |
| Assets per employee ($millions) | 2.7681% | 6,008 |
| Cash dividends to net income (ytd only)* | 21.5508% | 3,151 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9413% | 5,463 |
| Loan loss allowance to noncurrent loans | 4,411.1111% | 154 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 6,191 |
| Noncurrent loans to loans | 0.0213% | 5,939 |
| Net loans and leases to total assets | 17.9681% | 6,474 |
| Net loans and leases to deposits | 20.1923% | 6,489 |
| Net loans and leases to core deposits | 20.2785% | 6,491 |
| Total domestic deposits to total assets | 88.9853% | 1,248 |
| Equity capital to assets | 7.4777% | 6,310 |
| Core capital (leverage) ratio | 7.5726% | 6,247 |
| Tier 1 risk-based capital ratio | 36.5424% | 308 |
| Total risk-based capital ratio | 37.4153% | 315 |
| Memoranda: | ||
| Average total assets | $232,727,000 | 2,691 |
| Average earning assets | $199,181,250 | 2,837 |
| Average equity | $16,313,000 | 3,648 |
| Average total loans | $37,147,500 | 5,335 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4315% | 6,498 |
| Cost of funding earning assets | 0.1132% | 6,437 |
| Net interest margin | 2.3184% | 6,400 |
| Noninterest income to average assets | 6.5181% | 94 |
| Noninterest expense to average assets | 7.6049% | 114 |
| Loan and lease loss provision to assets | 0.0679% | 2,907 |
| Net operating income to assets | 0.8514% | 3,065 |
| Return on assets (ROA) | 0.8617% | 3,102 |
| Pretax return on assets | 0.8617% | 4,029 |
| Return on Equity (ROE) | 12.5729% | 1,291 |
| Retained earnings to average equity (ytd only) | 8.9502% | 1,001 |
| Net charge-offs to loans | 0.5695% | 719 |
| Credit loss provision to net charge-offs | 78.2178% | 2,353 |
| Earnings coverage of net charge-offs (x) | 10.5941% | 2,237 |
| Efficiency ratio | 89.2159% | 970 |
| Assets per employee ($millions) | 2.5391% | 6,263 |
| Cash dividends to net income (ytd only)* | 28.8136% | 2,833 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0060% | 5,319 |
| Loan loss allowance to noncurrent loans | 1,154.5455% | 470 |
| Noncurrent assets plus other real estate owned to assets | 0.0140% | 6,202 |
| Noncurrent loans to loans | 0.0871% | 5,757 |
| Net loans and leases to total assets | 15.8762% | 6,557 |
| Net loans and leases to deposits | 17.7219% | 6,568 |
| Net loans and leases to core deposits | 17.8378% | 6,565 |
| Total domestic deposits to total assets | 89.5854% | 1,027 |
| Equity capital to assets | 7.3990% | 6,369 |
| Core capital (leverage) ratio | 7.3766% | 6,348 |
| Tier 1 risk-based capital ratio | 36.6590% | 308 |
| Total risk-based capital ratio | 37.5169% | 310 |
| Memoranda: | ||
| Average total assets | $232,797,000 | 2,700 |
| Average earning assets | $201,436,330 | 2,820 |
| Average equity | $15,955,000 | 3,702 |
| Average total loans | $35,471,330 | 5,439 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3993% | 6,574 |
| Cost of funding earning assets | 0.1135% | 6,515 |
| Net interest margin | 2.2858% | 6,482 |
| Noninterest income to average assets | 6.4623% | 92 |
| Noninterest expense to average assets | 7.9178% | 113 |
| Loan and lease loss provision to assets | 0.0485% | 3,125 |
| Net operating income to assets | 0.5175% | 4,598 |
| Return on assets (ROA) | 0.5175% | 4,673 |
| Pretax return on assets | 0.5175% | 5,112 |
| Return on Equity (ROE) | 7.8702% | 2,997 |
| Retained earnings to average equity (ytd only) | 7.8702% | 1,647 |
| Net charge-offs to loans | 0.7120% | 500 |
| Credit loss provision to net charge-offs | 45.9016% | 2,253 |
| Earnings coverage of net charge-offs (x) | 5.3607% | 2,382 |
| Efficiency ratio | 93.3293% | 793 |
| Assets per employee ($millions) | 2.4743% | 6,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0517% | 5,309 |
| Loan loss allowance to noncurrent loans | 902.4390% | 562 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 6,261 |
| Noncurrent loans to loans | 0.1165% | 5,776 |
| Net loans and leases to total assets | 14.5039% | 6,636 |
| Net loans and leases to deposits | 16.5287% | 6,646 |
| Net loans and leases to core deposits | 16.6371% | 6,640 |
| Total domestic deposits to total assets | 87.7498% | 2,384 |
| Equity capital to assets | 6.5803% | 6,515 |
| Core capital (leverage) ratio | 7.3528% | 6,386 |
| Tier 1 risk-based capital ratio | 36.6815% | 296 |
| Total risk-based capital ratio | 37.5370% | 305 |
| Memoranda: | ||
| Average total assets | $231,126,000 | 2,735 |
| Average earning assets | $204,395,500 | 2,806 |
| Average equity | $15,196,500 | 3,831 |
| Average total loans | $34,271,500 | 5,529 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3959% | 6,647 |
| Cost of funding earning assets | 0.1251% | 6,621 |
| Net interest margin | 2.2707% | 6,543 |
| Noninterest income to average assets | 7.8048% | 82 |
| Noninterest expense to average assets | 8.7367% | 97 |
| Loan and lease loss provision to assets | 0.1140% | 2,911 |
| Net operating income to assets | 0.9358% | 2,619 |
| Return on assets (ROA) | 0.9507% | 2,633 |
| Pretax return on assets | 0.9507% | 3,556 |
| Return on Equity (ROE) | 12.5552% | 1,261 |
| Retained earnings to average equity (ytd only) | 3.8485% | 3,464 |
| Net charge-offs to loans | 0.8088% | 770 |
| Credit loss provision to net charge-offs | 106.0976% | 2,273 |
| Earnings coverage of net charge-offs (x) | 9.7683% | 2,463 |
| Efficiency ratio | 89.2723% | 1,085 |
| Assets per employee ($millions) | 2.2449% | 6,546 |
| Cash dividends to net income (ytd only)* | 69.3474% | 1,339 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2079% | 4,618 |
| Loan loss allowance to noncurrent loans | 937.2093% | 534 |
| Noncurrent assets plus other real estate owned to assets | 0.0193% | 6,351 |
| Noncurrent loans to loans | 0.1289% | 5,817 |
| Net loans and leases to total assets | 14.8303% | 6,720 |
| Net loans and leases to deposits | 16.4452% | 6,730 |
| Net loans and leases to core deposits | 16.5586% | 6,727 |
| Total domestic deposits to total assets | 90.1803% | 984 |
| Equity capital to assets | 6.5693% | 6,563 |
| Core capital (leverage) ratio | 7.2949% | 6,447 |
| Tier 1 risk-based capital ratio | 42.1313% | 198 |
| Total risk-based capital ratio | 43.2222% | 196 |
| Memoranda: | ||
| Average total assets | $228,885,200 | 2,728 |
| Average earning assets | $199,761,600 | 2,827 |
| Average equity | $17,331,400 | 3,513 |
| Average total loans | $30,416,200 | 5,743 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4373% | 6,719 |
| Cost of funding earning assets | 0.1270% | 6,710 |
| Net interest margin | 2.3103% | 6,583 |
| Noninterest income to average assets | 7.8907% | 84 |
| Noninterest expense to average assets | 8.6292% | 102 |
| Loan and lease loss provision to assets | 0.1081% | 2,961 |
| Net operating income to assets | 1.1318% | 1,875 |
| Return on assets (ROA) | 1.1514% | 1,882 |
| Pretax return on assets | 1.1514% | 2,889 |
| Return on Equity (ROE) | 14.7361% | 848 |
| Retained earnings to average equity (ytd only) | 3.7969% | 3,982 |
| Net charge-offs to loans | 0.8041% | 730 |
| Credit loss provision to net charge-offs | 104.4693% | 2,242 |
| Earnings coverage of net charge-offs (x) | 11.9777% | 2,184 |
| Efficiency ratio | 87.4363% | 1,220 |
| Assets per employee ($millions) | 2.3294% | 6,579 |
| Cash dividends to net income (ytd only)* | 74.2342% | 943 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0011% | 5,707 |
| Loan loss allowance to noncurrent loans | 1,864.7059% | 277 |
| Noncurrent assets plus other real estate owned to assets | 0.0074% | 6,489 |
| Noncurrent loans to loans | 0.0537% | 6,187 |
| Net loans and leases to total assets | 13.5932% | 6,811 |
| Net loans and leases to deposits | 15.2807% | 6,817 |
| Net loans and leases to core deposits | 15.3836% | 6,813 |
| Total domestic deposits to total assets | 88.9565% | 1,576 |
| Equity capital to assets | 6.9826% | 6,559 |
| Core capital (leverage) ratio | 7.2495% | 6,529 |
| Tier 1 risk-based capital ratio | 36.8993% | 287 |
| Total risk-based capital ratio | 37.6559% | 296 |
| Memoranda: | ||
| Average total assets | $230,544,750 | 2,731 |
| Average earning assets | $197,426,000 | 2,879 |
| Average equity | $18,014,250 | 3,455 |
| Average total loans | $29,679,500 | 5,835 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.4078% | 6,768 |
| Cost of funding earning assets | 0.1252% | 6,769 |
| Net interest margin | 2.2826% | 6,636 |
| Noninterest income to average assets | 7.9073% | 87 |
| Noninterest expense to average assets | 8.5216% | 108 |
| Loan and lease loss provision to assets | 0.0946% | 3,212 |
| Net operating income to assets | 1.2684% | 1,410 |
| Return on assets (ROA) | 1.2997% | 1,409 |
| Pretax return on assets | 1.2997% | 2,298 |
| Return on Equity (ROE) | 16.0632% | 657 |
| Retained earnings to average equity (ytd only) | 7.4418% | 1,693 |
| Net charge-offs to loans | 0.7788% | 810 |
| Credit loss provision to net charge-offs | 96.4602% | 2,309 |
| Earnings coverage of net charge-offs (x) | 13.9027% | 1,866 |
| Efficiency ratio | 86.2108% | 1,396 |
| Assets per employee ($millions) | 2.3484% | 6,612 |
| Cash dividends to net income (ytd only)* | 53.6716% | 1,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0595% | 5,582 |
| Loan loss allowance to noncurrent loans | 1,906.2500% | 286 |
| Noncurrent assets plus other real estate owned to assets | 0.0069% | 6,543 |
| Noncurrent loans to loans | 0.0556% | 6,224 |
| Net loans and leases to total assets | 12.2503% | 6,866 |
| Net loans and leases to deposits | 13.7107% | 6,878 |
| Net loans and leases to core deposits | 13.7994% | 6,872 |
| Total domestic deposits to total assets | 89.3489% | 1,412 |
| Equity capital to assets | 7.2570% | 6,524 |
| Core capital (leverage) ratio | 7.2494% | 6,547 |
| Tier 1 risk-based capital ratio | 37.6152% | 275 |
| Total risk-based capital ratio | 38.3509% | 281 |
| Memoranda: | ||
| Average total assets | $230,521,330 | 2,738 |
| Average earning assets | $199,684,670 | 2,877 |
| Average equity | $18,651,330 | 3,377 |
| Average total loans | $29,017,670 | 5,892 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.3791% | 6,844 |
| Cost of funding earning assets | 0.1219% | 6,857 |
| Net interest margin | 2.2572% | 6,718 |
| Noninterest income to average assets | 7.7722% | 91 |
| Noninterest expense to average assets | 8.6400% | 107 |
| Loan and lease loss provision to assets | 0.1080% | 2,895 |
| Net operating income to assets | 1.0247% | 2,129 |
| Return on assets (ROA) | 1.0264% | 2,229 |
| Pretax return on assets | 1.0264% | 3,234 |
| Return on Equity (ROE) | 12.0567% | 1,404 |
| Retained earnings to average equity (ytd only) | 12.0567% | 694 |
| Net charge-offs to loans | 0.9199% | 661 |
| Credit loss provision to net charge-offs | 92.5373% | 1,977 |
| Earnings coverage of net charge-offs (x) | 9.7015% | 1,814 |
| Efficiency ratio | 88.4094% | 1,287 |
| Assets per employee ($millions) | 2.3732% | 6,677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0364% | 5,850 |
| Loan loss allowance to noncurrent loans | 1,216.0000% | 394 |
| Noncurrent assets plus other real estate owned to assets | 0.0105% | 6,594 |
| Noncurrent loans to loans | 0.0852% | 6,226 |
| Net loans and leases to total assets | 12.2310% | 6,942 |
| Net loans and leases to deposits | 13.8172% | 6,947 |
| Net loans and leases to core deposits | 13.9055% | 6,940 |
| Total domestic deposits to total assets | 88.5199% | 1,993 |
| Equity capital to assets | 8.3641% | 6,136 |
| Core capital (leverage) ratio | 7.4073% | 6,503 |
| Tier 1 risk-based capital ratio | 36.6210% | 303 |
| Total risk-based capital ratio | 37.3398% | 308 |
| Memoranda: | ||
| Average total assets | $229,536,000 | 2,780 |
| Average earning assets | $203,441,000 | 2,861 |
| Average equity | $19,541,000 | 3,310 |
| Average total loans | $29,133,500 | 5,925 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7814% | 6,858 |
| Cost of funding earning assets | 0.1454% | 6,926 |
| Net interest margin | 2.6360% | 6,598 |
| Noninterest income to average assets | 8.9136% | 78 |
| Noninterest expense to average assets | 10.3453% | 76 |
| Loan and lease loss provision to assets | 0.0259% | 5,568 |
| Net operating income to assets | 0.9699% | 2,464 |
| Return on assets (ROA) | 1.0884% | 2,165 |
| Pretax return on assets | 1.0884% | 3,202 |
| Return on Equity (ROE) | 12.2097% | 1,442 |
| Retained earnings to average equity (ytd only) | -1.1574% | 6,040 |
| Net charge-offs to loans | 0.4997% | 2,241 |
| Credit loss provision to net charge-offs | 37.3418% | 4,983 |
| Earnings coverage of net charge-offs (x) | 14.3544% | 1,739 |
| Efficiency ratio | 91.2199% | 969 |
| Assets per employee ($millions) | 2.0159% | 6,899 |
| Cash dividends to net income (ytd only)* | 109.4796% | 393 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3409% | 4,450 |
| Loan loss allowance to noncurrent loans | 3,233.3333% | 194 |
| Noncurrent assets plus other real estate owned to assets | 0.0054% | 6,686 |
| Noncurrent loans to loans | 0.0415% | 6,405 |
| Net loans and leases to total assets | 12.8741% | 6,998 |
| Net loans and leases to deposits | 14.6334% | 7,001 |
| Net loans and leases to core deposits | 14.7341% | 6,995 |
| Total domestic deposits to total assets | 87.9773% | 2,251 |
| Equity capital to assets | 8.6729% | 5,879 |
| Core capital (leverage) ratio | 7.2781% | 6,598 |
| Tier 1 risk-based capital ratio | 38.5264% | 262 |
| Total risk-based capital ratio | 39.5298% | 264 |
| Memoranda: | ||
| Average total assets | $227,764,200 | 2,751 |
| Average earning assets | $209,747,200 | 2,737 |
| Average equity | $20,303,600 | 3,162 |
| Average total loans | $31,622,000 | 5,869 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9075% | 6,930 |
| Cost of funding earning assets | 0.1499% | 7,036 |
| Net interest margin | 2.7577% | 6,569 |
| Noninterest income to average assets | 8.8668% | 81 |
| Noninterest expense to average assets | 10.2998% | 76 |
| Loan and lease loss provision to assets | -0.0169% | 6,959 |
| Net operating income to assets | 1.1096% | 2,052 |
| Return on assets (ROA) | 1.1212% | 2,215 |
| Pretax return on assets | 1.1212% | 3,269 |
| Return on Equity (ROE) | 12.4959% | 1,464 |
| Retained earnings to average equity (ytd only) | -0.8944% | 6,257 |
| Net charge-offs to loans | 0.3138% | 2,872 |
| Credit loss provision to net charge-offs | -38.1579% | 6,154 |
| Earnings coverage of net charge-offs (x) | 24.7239% | 1,267 |
| Efficiency ratio | 90.4084% | 1,010 |
| Assets per employee ($millions) | 2.0414% | 6,988 |
| Cash dividends to net income (ytd only)* | 107.1579% | 268 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1126% | 5,669 |
| Loan loss allowance to noncurrent loans | 1,912.5000% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0070% | 6,772 |
| Noncurrent loans to loans | 0.0582% | 6,471 |
| Net loans and leases to total assets | 11.8953% | 7,108 |
| Net loans and leases to deposits | 13.5072% | 7,114 |
| Net loans and leases to core deposits | 13.5971% | 7,110 |
| Total domestic deposits to total assets | 88.0666% | 2,006 |
| Equity capital to assets | 8.8551% | 5,971 |
| Core capital (leverage) ratio | 7.2498% | 6,733 |
| Tier 1 risk-based capital ratio | 33.5444% | 396 |
| Total risk-based capital ratio | 34.2289% | 402 |
| Memoranda: | ||
| Average total assets | $229,268,250 | 2,762 |
| Average earning assets | $209,979,500 | 2,766 |
| Average equity | $20,571,500 | 3,162 |
| Average total loans | $32,293,500 | 5,911 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9281% | 7,002 |
| Cost of funding earning assets | 0.1495% | 7,119 |
| Net interest margin | 2.7786% | 6,615 |
| Noninterest income to average assets | 8.6892% | 81 |
| Noninterest expense to average assets | 10.3121% | 76 |
| Loan and lease loss provision to assets | -0.0357% | 7,057 |
| Net operating income to assets | 1.0371% | 2,314 |
| Return on assets (ROA) | 1.0546% | 2,457 |
| Pretax return on assets | 1.0546% | 3,495 |
| Return on Equity (ROE) | 11.7021% | 1,771 |
| Retained earnings to average equity (ytd only) | 0.7060% | 5,777 |
| Net charge-offs to loans | 0.1534% | 3,688 |
| Credit loss provision to net charge-offs | -157.6923% | 6,109 |
| Earnings coverage of net charge-offs (x) | 44.1923% | 813 |
| Efficiency ratio | 91.1486% | 985 |
| Assets per employee ($millions) | 2.0925% | 7,021 |
| Cash dividends to net income (ytd only)* | 93.9669% | 534 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0789% | 5,866 |
| Loan loss allowance to noncurrent loans | 2,023.5294% | 239 |
| Noncurrent assets plus other real estate owned to assets | 0.0073% | 6,830 |
| Noncurrent loans to loans | 0.0533% | 6,546 |
| Net loans and leases to total assets | 13.5796% | 7,158 |
| Net loans and leases to deposits | 15.6197% | 7,167 |
| Net loans and leases to core deposits | 15.7215% | 7,162 |
| Total domestic deposits to total assets | 86.9388% | 2,810 |
| Equity capital to assets | 8.7713% | 5,948 |
| Core capital (leverage) ratio | 7.2041% | 6,753 |
| Tier 1 risk-based capital ratio | 33.7222% | 382 |
| Total risk-based capital ratio | 34.4851% | 389 |
| Memoranda: | ||
| Average total assets | $229,479,000 | 2,759 |
| Average earning assets | $216,725,670 | 2,681 |
| Average equity | $20,680,000 | 3,140 |
| Average total loans | $33,890,330 | 5,876 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0126% | 7,037 |
| Cost of funding earning assets | 0.1524% | 7,182 |
| Net interest margin | 2.8602% | 6,539 |
| Noninterest income to average assets | 8.4863% | 79 |
| Noninterest expense to average assets | 10.4768% | 75 |
| Loan and lease loss provision to assets | -0.0193% | 7,118 |
| Net operating income to assets | 0.7278% | 3,743 |
| Return on assets (ROA) | 0.7278% | 3,976 |
| Pretax return on assets | 0.7278% | 4,698 |
| Return on Equity (ROE) | 7.9679% | 3,297 |
| Retained earnings to average equity (ytd only) | 7.9679% | 1,992 |
| Net charge-offs to loans | 0.2522% | 2,662 |
| Credit loss provision to net charge-offs | -50.0000% | 5,424 |
| Earnings coverage of net charge-offs (x) | 18.3636% | 1,269 |
| Efficiency ratio | 93.6657% | 838 |
| Assets per employee ($millions) | 2.0517% | 7,103 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1016% | 5,901 |
| Loan loss allowance to noncurrent loans | 1,890.0000% | 237 |
| Noncurrent assets plus other real estate owned to assets | 0.0086% | 6,912 |
| Noncurrent loans to loans | 0.0583% | 6,610 |
| Net loans and leases to total assets | 14.5098% | 7,207 |
| Net loans and leases to deposits | 16.6680% | 7,221 |
| Net loans and leases to core deposits | 16.7756% | 7,220 |
| Total domestic deposits to total assets | 87.0517% | 2,931 |
| Equity capital to assets | 8.9820% | 5,525 |
| Core capital (leverage) ratio | 7.5047% | 6,627 |
| Tier 1 risk-based capital ratio | 31.8334% | 440 |
| Total risk-based capital ratio | 32.6072% | 461 |
| Memoranda: | ||
| Average total assets | $228,084,500 | 2,790 |
| Average earning assets | $215,229,000 | 2,706 |
| Average equity | $20,833,500 | 3,128 |
| Average total loans | $34,893,000 | 5,875 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4154% | 7,043 |
| Cost of funding earning assets | 0.1995% | 7,238 |
| Net interest margin | 3.2160% | 6,043 |
| Noninterest income to average assets | 9.3603% | 65 |
| Noninterest expense to average assets | 11.5076% | 65 |
| Loan and lease loss provision to assets | 0.1239% | 5,056 |
| Net operating income to assets | 0.5693% | 4,153 |
| Return on assets (ROA) | 0.6494% | 3,936 |
| Pretax return on assets | 0.6494% | 4,511 |
| Return on Equity (ROE) | 7.5269% | 3,134 |
| Retained earnings to average equity (ytd only) | 7.5269% | 1,267 |
| Net charge-offs to loans | 0.7142% | 2,375 |
| Credit loss provision to net charge-offs | 156.4246% | 1,794 |
| Earnings coverage of net charge-offs (x) | 8.7486% | 2,102 |
| Efficiency ratio | 94.3185% | 902 |
| Assets per employee ($millions) | 1.8998% | 7,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 5,579 |
| Loan loss allowance to noncurrent loans | 1,786.9565% | 263 |
| Noncurrent assets plus other real estate owned to assets | 0.0103% | 6,963 |
| Noncurrent loans to loans | 0.0648% | 6,652 |
| Net loans and leases to total assets | 15.7730% | 7,255 |
| Net loans and leases to deposits | 18.0878% | 7,268 |
| Net loans and leases to core deposits | 18.1282% | 7,261 |
| Total domestic deposits to total assets | 87.2025% | 2,643 |
| Equity capital to assets | 9.2942% | 5,158 |
| Core capital (leverage) ratio | 7.3718% | 6,714 |
| Tier 1 risk-based capital ratio | 31.0548% | 468 |
| Total risk-based capital ratio | 31.8982% | 473 |
| Memoranda: | ||
| Average total assets | $225,910,800 | 2,776 |
| Average earning assets | $199,535,000 | 2,862 |
| Average equity | $19,490,200 | 3,213 |
| Average total loans | $25,061,400 | 6,418 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4532% | 7,108 |
| Cost of funding earning assets | 0.2105% | 7,320 |
| Net interest margin | 3.2428% | 6,039 |
| Noninterest income to average assets | 9.5122% | 66 |
| Noninterest expense to average assets | 11.6772% | 63 |
| Loan and lease loss provision to assets | 0.1593% | 4,474 |
| Net operating income to assets | 0.4926% | 4,575 |
| Return on assets (ROA) | 0.5167% | 4,658 |
| Pretax return on assets | 0.5167% | 5,108 |
| Return on Equity (ROE) | 6.1046% | 3,981 |
| Retained earnings to average equity (ytd only) | 6.1046% | 2,497 |
| Net charge-offs to loans | 0.8549% | 1,856 |
| Credit loss provision to net charge-offs | 188.1944% | 1,550 |
| Earnings coverage of net charge-offs (x) | 7.7012% | 2,311 |
| Efficiency ratio | 94.7125% | 877 |
| Assets per employee ($millions) | 2.0306% | 7,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2420% | 5,295 |
| Loan loss allowance to noncurrent loans | 2,080.9524% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0092% | 7,048 |
| Noncurrent loans to loans | 0.0597% | 6,785 |
| Net loans and leases to total assets | 15.1434% | 7,340 |
| Net loans and leases to deposits | 17.4979% | 7,349 |
| Net loans and leases to core deposits | 17.7874% | 7,340 |
| Total domestic deposits to total assets | 86.5441% | 2,910 |
| Equity capital to assets | 8.7549% | 6,026 |
| Core capital (leverage) ratio | 7.0374% | 6,948 |
| Tier 1 risk-based capital ratio | 28.4931% | 621 |
| Total risk-based capital ratio | 29.3491% | 638 |
| Memoranda: | ||
| Average total assets | $226,819,000 | 2,769 |
| Average earning assets | $197,028,000 | 2,902 |
| Average equity | $19,198,000 | 3,259 |
| Average total loans | $22,459,000 | 6,602 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5856% | 7,108 |
| Cost of funding earning assets | 0.2231% | 7,394 |
| Net interest margin | 3.3625% | 5,674 |
| Noninterest income to average assets | 9.7159% | 68 |
| Noninterest expense to average assets | 11.9590% | 63 |
| Loan and lease loss provision to assets | 0.0664% | 5,476 |
| Net operating income to assets | 0.5187% | 4,423 |
| Return on assets (ROA) | 0.5187% | 4,564 |
| Pretax return on assets | 0.5187% | 4,998 |
| Return on Equity (ROE) | 6.2007% | 3,861 |
| Retained earnings to average equity (ytd only) | 6.2007% | 2,300 |
| Net charge-offs to loans | 1.2296% | 1,277 |
| Credit loss provision to net charge-offs | 66.9643% | 4,142 |
| Earnings coverage of net charge-offs (x) | 5.9018% | 2,512 |
| Efficiency ratio | 95.3355% | 909 |
| Assets per employee ($millions) | 2.0224% | 7,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5199% | 4,037 |
| 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 | 7.6725% | 7,449 |
| Net loans and leases to deposits | 8.7291% | 7,459 |
| Net loans and leases to core deposits | 8.8703% | 7,448 |
| Total domestic deposits to total assets | 87.8955% | 2,212 |
| Equity capital to assets | 8.5773% | 6,087 |
| Core capital (leverage) ratio | 6.8110% | 7,053 |
| Tier 1 risk-based capital ratio | 40.4565% | 239 |
| Total risk-based capital ratio | 41.2314% | 240 |
| Memoranda: | ||
| Average total assets | $225,938,670 | 2,794 |
| Average earning assets | $190,035,670 | 2,995 |
| Average equity | $18,901,000 | 3,279 |
| Average total loans | $18,217,000 | 6,878 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4896% | 7,213 |
| Cost of funding earning assets | 0.2280% | 7,462 |
| Net interest margin | 3.2616% | 5,897 |
| Noninterest income to average assets | 10.0379% | 70 |
| Noninterest expense to average assets | 12.2612% | 62 |
| Loan and lease loss provision to assets | 0.0554% | 5,311 |
| Net operating income to assets | 0.5098% | 4,453 |
| Return on assets (ROA) | 0.5098% | 4,533 |
| Pretax return on assets | 0.5098% | 4,992 |
| Return on Equity (ROE) | 6.1742% | 3,800 |
| Retained earnings to average equity (ytd only) | 6.1742% | 2,538 |
| Net charge-offs to loans | 1.5918% | 850 |
| Credit loss provision to net charge-offs | 42.4658% | 3,897 |
| Earnings coverage of net charge-offs (x) | 4.3288% | 2,509 |
| Efficiency ratio | 95.5934% | 945 |
| Assets per employee ($millions) | 2.0309% | 7,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5902% | 3,771 |
| Loan loss allowance to noncurrent loans | 2,977.7778% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0039% | 7,198 |
| Noncurrent loans to loans | 0.0534% | 6,916 |
| Net loans and leases to total assets | 7.1013% | 7,512 |
| Net loans and leases to deposits | 8.1315% | 7,519 |
| Net loans and leases to core deposits | 8.2621% | 7,507 |
| Total domestic deposits to total assets | 87.3308% | 2,747 |
| Equity capital to assets | 7.9606% | 6,536 |
| Core capital (leverage) ratio | 6.8521% | 7,068 |
| Tier 1 risk-based capital ratio | 34.1576% | 373 |
| Total risk-based capital ratio | 34.8138% | 380 |
| Memoranda: | ||
| Average total assets | $223,633,000 | 2,843 |
| Average earning assets | $191,196,000 | 2,991 |
| Average equity | $18,464,000 | 3,333 |
| Average total loans | $18,344,500 | 6,921 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9164% | 7,188 |
| Cost of funding earning assets | 0.3075% | 7,498 |
| Net interest margin | 3.6089% | 4,778 |
| Noninterest income to average assets | 12.5504% | 54 |
| Noninterest expense to average assets | 14.4976% | 52 |
| Loan and lease loss provision to assets | 0.1647% | 5,568 |
| Net operating income to assets | 0.9358% | 2,255 |
| Return on assets (ROA) | 0.9385% | 2,373 |
| Pretax return on assets | 0.9385% | 3,141 |
| Return on Equity (ROE) | 11.0731% | 1,561 |
| Retained earnings to average equity (ytd only) | -2.6395% | 6,058 |
| Net charge-offs to loans | 2.1234% | 926 |
| Credit loss provision to net charge-offs | 78.2051% | 5,628 |
| Earnings coverage of net charge-offs (x) | 5.2244% | 2,680 |
| Efficiency ratio | 92.9443% | 1,124 |
| Assets per employee ($millions) | 1.8747% | 7,467 |
| Cash dividends to net income (ytd only)* | 123.8369% | 234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5628% | 3,726 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 148 |
| Noncurrent assets plus other real estate owned to assets | 0.0047% | 7,259 |
| Noncurrent loans to loans | 0.0504% | 7,003 |
| Net loans and leases to total assets | 9.1364% | 7,587 |
| Net loans and leases to deposits | 10.3933% | 7,598 |
| Net loans and leases to core deposits | 10.5747% | 7,583 |
| Total domestic deposits to total assets | 87.9068% | 2,304 |
| Equity capital to assets | 8.5796% | 5,751 |
| Core capital (leverage) ratio | 6.9941% | 7,033 |
| Tier 1 risk-based capital ratio | 33.0720% | 407 |
| Total risk-based capital ratio | 33.8222% | 408 |
| Memoranda: | ||
| Average total assets | $222,161,000 | 2,840 |
| Average earning assets | $187,620,600 | 3,038 |
| Average equity | $18,829,400 | 3,299 |
| Average total loans | $22,039,800 | 6,819 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0518% | 7,246 |
| Cost of funding earning assets | 0.3306% | 7,617 |
| Net interest margin | 3.7212% | 4,301 |
| Noninterest income to average assets | 12.7485% | 52 |
| Noninterest expense to average assets | 14.6009% | 52 |
| Loan and lease loss provision to assets | 0.1593% | 5,447 |
| Net operating income to assets | 1.0796% | 1,968 |
| Return on assets (ROA) | 1.0832% | 2,064 |
| Pretax return on assets | 1.0832% | 2,884 |
| Return on Equity (ROE) | 12.8175% | 1,309 |
| Retained earnings to average equity (ytd only) | -3.7285% | 6,429 |
| Net charge-offs to loans | 2.0775% | 893 |
| Credit loss provision to net charge-offs | 76.1364% | 5,251 |
| Earnings coverage of net charge-offs (x) | 5.9205% | 2,640 |
| Efficiency ratio | 92.1784% | 1,117 |
| Assets per employee ($millions) | 1.9121% | 7,547 |
| Cash dividends to net income (ytd only)* | 129.0890% | 183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4651% | 4,131 |
| Loan loss allowance to noncurrent loans | 2,342.8571% | 162 |
| Noncurrent assets plus other real estate owned to assets | 0.0063% | 7,358 |
| Noncurrent loans to loans | 0.0625% | 7,081 |
| Net loans and leases to total assets | 9.9454% | 7,689 |
| Net loans and leases to deposits | 11.5165% | 7,700 |
| Net loans and leases to core deposits | 11.6640% | 7,684 |
| Total domestic deposits to total assets | 86.3577% | 2,883 |
| Equity capital to assets | 8.7569% | 5,921 |
| Core capital (leverage) ratio | 6.9073% | 7,206 |
| Tier 1 risk-based capital ratio | 28.3013% | 608 |
| Total risk-based capital ratio | 28.9822% | 632 |
| Memoranda: | ||
| Average total assets | $224,272,250 | 2,855 |
| Average earning assets | $186,316,000 | 3,093 |
| Average equity | $18,952,750 | 3,325 |
| Average total loans | $22,590,750 | 6,875 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0956% | 7,288 |
| Cost of funding earning assets | 0.3464% | 7,691 |
| Net interest margin | 3.7492% | 4,137 |
| Noninterest income to average assets | 12.6631% | 53 |
| Noninterest expense to average assets | 14.6187% | 51 |
| Loan and lease loss provision to assets | 0.1226% | 5,670 |
| Net operating income to assets | 1.0760% | 1,931 |
| Return on assets (ROA) | 1.0813% | 1,992 |
| Pretax return on assets | 1.0813% | 2,842 |
| Return on Equity (ROE) | 12.9496% | 1,254 |
| Retained earnings to average equity (ytd only) | -1.7344% | 6,109 |
| Net charge-offs to loans | 1.6682% | 1,129 |
| Credit loss provision to net charge-offs | 73.0159% | 4,892 |
| Earnings coverage of net charge-offs (x) | 7.1376% | 2,359 |
| Efficiency ratio | 92.4222% | 1,165 |
| Assets per employee ($millions) | 1.9077% | 7,617 |
| Cash dividends to net income (ytd only)* | 113.3936% | 333 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6367% | 3,304 |
| 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 | 9.8043% | 7,756 |
| Net loans and leases to deposits | 11.2502% | 7,767 |
| Net loans and leases to core deposits | 11.2502% | 7,753 |
| Total domestic deposits to total assets | 87.1477% | 2,456 |
| Equity capital to assets | 9.0885% | 5,310 |
| Core capital (leverage) ratio | 6.8998% | 7,240 |
| Tier 1 risk-based capital ratio | 29.5802% | 535 |
| Total risk-based capital ratio | 30.3429% | 552 |
| Memoranda: | ||
| Average total assets | $225,095,670 | 2,869 |
| Average earning assets | $189,373,670 | 3,070 |
| Average equity | $18,796,000 | 3,332 |
| Average total loans | $22,658,670 | 6,928 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0517% | 7,416 |
| Cost of funding earning assets | 0.3508% | 7,792 |
| Net interest margin | 3.7009% | 4,235 |
| Noninterest income to average assets | 12.2098% | 59 |
| Noninterest expense to average assets | 14.8301% | 51 |
| Loan and lease loss provision to assets | 0.0652% | 5,985 |
| Net operating income to assets | 0.4934% | 4,422 |
| Return on assets (ROA) | 0.4934% | 4,556 |
| Pretax return on assets | 0.4934% | 4,981 |
| Return on Equity (ROE) | 6.1749% | 3,783 |
| Retained earnings to average equity (ytd only) | 1.1027% | 5,374 |
| Net charge-offs to loans | 2.0558% | 834 |
| Credit loss provision to net charge-offs | 31.3559% | 4,788 |
| Earnings coverage of net charge-offs (x) | 2.6864% | 3,195 |
| Efficiency ratio | 96.3701% | 1,003 |
| Assets per employee ($millions) | 2.0130% | 7,663 |
| Cash dividends to net income (ytd only)* | 82.1429% | 809 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4792% | 4,019 |
| Loan loss allowance to noncurrent loans | 16,550.0000% | 28 |
| Noncurrent assets plus other real estate owned to assets | 0.0009% | 7,510 |
| Noncurrent loans to loans | 0.0089% | 7,398 |
| Net loans and leases to total assets | 9.4410% | 7,861 |
| Net loans and leases to deposits | 11.2461% | 7,867 |
| Net loans and leases to core deposits | 11.2461% | 7,853 |
| Total domestic deposits to total assets | 83.9491% | 4,168 |
| Equity capital to assets | 7.8792% | 6,780 |
| Core capital (leverage) ratio | 6.8956% | 7,308 |
| Tier 1 risk-based capital ratio | 28.3178% | 616 |
| Total risk-based capital ratio | 28.9773% | 646 |
| Memoranda: | ||
| Average total assets | $226,998,000 | 2,904 |
| Average earning assets | $194,979,000 | 3,062 |
| Average equity | $18,138,000 | 3,459 |
| Average total loans | $22,959,500 | 6,995 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0860% | 7,658 |
| Cost of funding earning assets | 0.5216% | 7,822 |
| Net interest margin | 3.5645% | 4,676 |
| Noninterest income to average assets | 12.9496% | 56 |
| Noninterest expense to average assets | 14.4966% | 64 |
| Loan and lease loss provision to assets | 0.1492% | 6,171 |
| Net operating income to assets | 1.3050% | 1,023 |
| Return on assets (ROA) | 1.3272% | 1,025 |
| Pretax return on assets | 1.3272% | 1,619 |
| Return on Equity (ROE) | 16.2356% | 531 |
| Retained earnings to average equity (ytd only) | 2.2542% | 3,534 |
| Net charge-offs to loans | 1.5095% | 1,663 |
| Credit loss provision to net charge-offs | 87.2727% | 6,093 |
| Earnings coverage of net charge-offs (x) | 8.5065% | 1,934 |
| Efficiency ratio | 90.8830% | 1,643 |
| Assets per employee ($millions) | 1.8845% | 7,793 |
| Cash dividends to net income (ytd only)* | 86.1158% | 971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7501% | 2,711 |
| Loan loss allowance to noncurrent loans | 41,200.0000% | 13 |
| Noncurrent assets plus other real estate owned to assets | 0.0005% | 7,551 |
| Noncurrent loans to loans | 0.0042% | 7,441 |
| Net loans and leases to total assets | 10.4906% | 7,931 |
| Net loans and leases to deposits | 11.9101% | 7,941 |
| Net loans and leases to core deposits | 12.4705% | 7,943 |
| Total domestic deposits to total assets | 88.0816% | 1,932 |
| Equity capital to assets | 8.1081% | 6,453 |
| Core capital (leverage) ratio | 6.9363% | 7,293 |
| Tier 1 risk-based capital ratio | 28.4832% | 611 |
| Total risk-based capital ratio | 29.3118% | 619 |
| Memoranda: | ||
| Average total assets | $225,204,200 | 2,874 |
| Average earning assets | $189,621,800 | 3,095 |
| Average equity | $18,410,200 | 3,441 |
| Average total loans | $25,504,600 | 6,882 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1188% | 7,767 |
| Cost of funding earning assets | 0.5625% | 7,905 |
| Net interest margin | 3.5564% | 4,652 |
| Noninterest income to average assets | 12.9976% | 56 |
| Noninterest expense to average assets | 14.5142% | 63 |
| Loan and lease loss provision to assets | 0.1337% | 6,022 |
| Net operating income to assets | 1.2916% | 1,241 |
| Return on assets (ROA) | 1.3128% | 1,264 |
| Pretax return on assets | 1.3128% | 1,924 |
| Return on Equity (ROE) | 16.0268% | 652 |
| Retained earnings to average equity (ytd only) | 3.0126% | 3,645 |
| Net charge-offs to loans | 1.2976% | 1,580 |
| Credit loss provision to net charge-offs | 89.7233% | 5,489 |
| Earnings coverage of net charge-offs (x) | 9.5654% | 2,090 |
| Efficiency ratio | 91.0582% | 1,606 |
| Assets per employee ($millions) | 1.9473% | 7,833 |
| Cash dividends to net income (ytd only)* | 81.2021% | 916 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7728% | 2,374 |
| Loan loss allowance to noncurrent loans | 1,812.5000% | 211 |
| Noncurrent assets plus other real estate owned to assets | 0.0108% | 7,567 |
| Noncurrent loans to loans | 0.0978% | 7,238 |
| Net loans and leases to total assets | 10.8576% | 8,014 |
| Net loans and leases to deposits | 12.3550% | 8,022 |
| Net loans and leases to core deposits | 12.9404% | 8,018 |
| Total domestic deposits to total assets | 87.8806% | 1,710 |
| Equity capital to assets | 8.5931% | 6,123 |
| Core capital (leverage) ratio | 6.9333% | 7,475 |
| Tier 1 risk-based capital ratio | 25.2261% | 872 |
| Total risk-based capital ratio | 26.0007% | 898 |
| Memoranda: | ||
| Average total assets | $226,384,500 | 2,881 |
| Average earning assets | $187,264,500 | 3,145 |
| Average equity | $18,543,500 | 3,445 |
| Average total loans | $25,995,250 | 6,917 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0247% | 7,899 |
| Cost of funding earning assets | 0.5952% | 7,991 |
| Net interest margin | 3.4294% | 5,063 |
| Noninterest income to average assets | 12.6707% | 58 |
| Noninterest expense to average assets | 14.2401% | 71 |
| Loan and lease loss provision to assets | 0.0974% | 6,196 |
| Net operating income to assets | 1.1955% | 1,490 |
| Return on assets (ROA) | 1.2201% | 1,503 |
| Pretax return on assets | 1.2201% | 2,242 |
| Return on Equity (ROE) | 15.1367% | 811 |
| Retained earnings to average equity (ytd only) | 10.1710% | 703 |
| Net charge-offs to loans | 1.2990% | 1,423 |
| Credit loss provision to net charge-offs | 64.5349% | 5,518 |
| Earnings coverage of net charge-offs (x) | 8.5640% | 2,241 |
| Efficiency ratio | 91.6761% | 1,662 |
| Assets per employee ($millions) | 1.8994% | 7,918 |
| Cash dividends to net income (ytd only)* | 32.8058% | 2,730 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5482% | 2,962 |
| 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 | 11.0677% | 8,100 |
| Net loans and leases to deposits | 12.7794% | 8,116 |
| Net loans and leases to core deposits | 13.3147% | 8,111 |
| Total domestic deposits to total assets | 86.6062% | 2,448 |
| Equity capital to assets | 8.0351% | 6,713 |
| Core capital (leverage) ratio | 6.9005% | 7,599 |
| Tier 1 risk-based capital ratio | 25.8340% | 873 |
| Total risk-based capital ratio | 26.5379% | 893 |
| Memoranda: | ||
| Average total assets | $227,849,000 | 2,884 |
| Average earning assets | $190,177,000 | 3,138 |
| Average equity | $18,366,000 | 3,498 |
| Average total loans | $26,481,000 | 6,940 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0759% | 7,956 |
| Cost of funding earning assets | 0.6155% | 8,047 |
| Net interest margin | 3.4604% | 4,895 |
| Noninterest income to average assets | 12.5188% | 58 |
| Noninterest expense to average assets | 14.5694% | 71 |
| Loan and lease loss provision to assets | 0.0635% | 6,161 |
| Net operating income to assets | 0.8199% | 3,045 |
| Return on assets (ROA) | 0.8199% | 3,197 |
| Pretax return on assets | 0.8199% | 4,007 |
| Return on Equity (ROE) | 10.1553% | 2,263 |
| Retained earnings to average equity (ytd only) | 10.1553% | 1,152 |
| Net charge-offs to loans | 1.4327% | 1,000 |
| Credit loss provision to net charge-offs | 37.5000% | 4,846 |
| Earnings coverage of net charge-offs (x) | 5.2188% | 2,721 |
| Efficiency ratio | 94.2834% | 1,415 |
| Assets per employee ($millions) | 1.9032% | 7,960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5422% | 2,750 |
| Loan loss allowance to noncurrent loans | 20,050.0000% | 22 |
| Noncurrent assets plus other real estate owned to assets | 0.0008% | 7,671 |
| Noncurrent loans to loans | 0.0077% | 7,551 |
| Net loans and leases to total assets | 10.7614% | 8,156 |
| Net loans and leases to deposits | 12.6743% | 8,167 |
| Net loans and leases to core deposits | 13.2918% | 8,162 |
| Total domestic deposits to total assets | 84.9073% | 3,253 |
| Equity capital to assets | 7.9240% | 6,927 |
| Core capital (leverage) ratio | 6.8645% | 7,717 |
| Tier 1 risk-based capital ratio | 23.4603% | 1,144 |
| Total risk-based capital ratio | 24.1222% | 1,178 |
| Memoranda: | ||
| Average total assets | $226,858,500 | 2,907 |
| Average earning assets | $192,349,500 | 3,122 |
| Average equity | $18,315,500 | 3,518 |
| Average total loans | $26,803,000 | 6,952 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8381% | 7,932 |
| Cost of funding earning assets | 1.0762% | 8,021 |
| Net interest margin | 3.7619% | 4,173 |
| Noninterest income to average assets | 13.4199% | 64 |
| Noninterest expense to average assets | 15.1198% | 75 |
| Loan and lease loss provision to assets | 0.2049% | 4,838 |
| Net operating income to assets | 1.2496% | 1,632 |
| Return on assets (ROA) | 1.3035% | 1,424 |
| Pretax return on assets | 1.3035% | 2,298 |
| Return on Equity (ROE) | 18.7892% | 467 |
| Retained earnings to average equity (ytd only) | 1.2191% | 4,495 |
| Net charge-offs to loans | 1.6020% | 709 |
| Credit loss provision to net charge-offs | 94.4325% | 5,560 |
| Earnings coverage of net charge-offs (x) | 6.7024% | 3,295 |
| Efficiency ratio | 91.2241% | 1,430 |
| Assets per employee ($millions) | 1.6994% | 8,096 |
| Cash dividends to net income (ytd only)* | 93.5116% | 1,170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6700% | 1,999 |
| Loan loss allowance to noncurrent loans | 3,292.8571% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.0065% | 7,620 |
| Noncurrent loans to loans | 0.0507% | 7,308 |
| Net loans and leases to total assets | 12.5767% | 8,204 |
| Net loans and leases to deposits | 14.3517% | 8,218 |
| Net loans and leases to core deposits | 15.2221% | 8,214 |
| Total domestic deposits to total assets | 87.6323% | 1,650 |
| Equity capital to assets | 8.2383% | 6,498 |
| Core capital (leverage) ratio | 6.9000% | 7,760 |
| Tier 1 risk-based capital ratio | 21.9998% | 1,317 |
| Total risk-based capital ratio | 22.7375% | 1,359 |
| Memoranda: | ||
| Average total assets | $215,188,200 | 2,937 |
| Average earning assets | $180,442,400 | 3,182 |
| Average equity | $14,928,800 | 4,157 |
| Average total loans | $29,150,400 | 6,762 |