Home > Foundation Bank > Performance and Condition Ratios
Foundation Bank, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3948% | 2,213 |
| Cost of funding earning assets | 0.9099% | 566 |
| Net interest margin | 3.4848% | 3,589 |
| Noninterest income to average assets | 0.1624% | 5,048 |
| Noninterest expense to average assets | 2.1073% | 4,642 |
| Loan and lease loss provision to assets | 0.0283% | 3,144 |
| Net operating income to assets | 1.3388% | 1,513 |
| Return on assets (ROA) | 1.3388% | 1,528 |
| Pretax return on assets | 1.3388% | 2,222 |
| Return on Equity (ROE) | 6.5033% | 3,982 |
| Retained earnings to average equity (ytd only) | 6.5033% | 2,498 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5870% | 4,278 |
| Assets per employee ($millions) | 6.7251% | 1,077 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6238% | 1,108 |
| Loan loss allowance to noncurrent loans | 691.8415% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.2058% | 4,061 |
| Noncurrent loans to loans | 0.2347% | 3,931 |
| Net loans and leases to total assets | 86.2532% | 240 |
| Net loans and leases to deposits | 127.4275% | 48 |
| Net loans and leases to core deposits | 136.6949% | 247 |
| Total domestic deposits to total assets | 67.6880% | 5,427 |
| Equity capital to assets | 21.0877% | 178 |
| Core capital (leverage) ratio | 19.1362% | 247 |
| Tier 1 risk-based capital ratio | 23.8985% | 846 |
| Total risk-based capital ratio | 25.1551% | 829 |
| Memoranda: | ||
| Average total assets | $211,833,000 | 2,821 |
| Average earning assets | $201,330,000 | 2,773 |
| Average equity | $43,608,500 | 1,722 |
| Average total loans | $182,439,000 | 2,344 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 2,437 |
| Cost of funding earning assets | 0.9050% | 363 |
| Net interest margin | 3.3635% | 3,958 |
| Noninterest income to average assets | 0.1642% | 5,138 |
| Noninterest expense to average assets | 2.0232% | 4,923 |
| Loan and lease loss provision to assets | 0.0278% | 3,720 |
| Net operating income to assets | 1.3108% | 1,203 |
| Return on assets (ROA) | 1.3108% | 1,217 |
| Pretax return on assets | 1.3108% | 2,306 |
| Return on Equity (ROE) | 6.7538% | 3,408 |
| Retained earnings to average equity (ytd only) | 6.7538% | 1,173 |
| Net charge-offs to loans | 0.0211% | 3,401 |
| Credit loss provision to net charge-offs | 153.8462% | 1,741 |
| Earnings coverage of net charge-offs (x) | 74.0000% | 810 |
| Efficiency ratio | 58.8852% | 4,431 |
| Assets per employee ($millions) | 6.7247% | 1,092 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6217% | 1,094 |
| Loan loss allowance to noncurrent loans | 672.6651% | 869 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 4,115 |
| Noncurrent loans to loans | 0.2411% | 3,937 |
| Net loans and leases to total assets | 83.2473% | 521 |
| Net loans and leases to deposits | 120.7217% | 108 |
| Net loans and leases to core deposits | 129.2209% | 357 |
| Total domestic deposits to total assets | 68.9580% | 5,440 |
| Equity capital to assets | 20.1005% | 204 |
| Core capital (leverage) ratio | 18.2467% | 278 |
| Tier 1 risk-based capital ratio | 23.0894% | 905 |
| Total risk-based capital ratio | 24.3455% | 886 |
| Memoranda: | ||
| Average total assets | $215,595,800 | 2,761 |
| Average earning assets | $204,967,800 | 2,722 |
| Average equity | $41,843,000 | 1,782 |
| Average total loans | $184,540,800 | 2,282 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2372% | 2,487 |
| Cost of funding earning assets | 0.8943% | 360 |
| Net interest margin | 3.3429% | 4,037 |
| Noninterest income to average assets | 0.1700% | 5,169 |
| Noninterest expense to average assets | 1.9916% | 4,972 |
| Loan and lease loss provision to assets | 0.0278% | 3,574 |
| Net operating income to assets | 1.3278% | 1,257 |
| Return on assets (ROA) | 1.3278% | 1,287 |
| Pretax return on assets | 1.3278% | 2,371 |
| Return on Equity (ROE) | 6.9027% | 3,716 |
| Retained earnings to average equity (ytd only) | 6.9027% | 1,741 |
| Net charge-offs to loans | 0.0281% | 2,872 |
| Credit loss provision to net charge-offs | 115.3846% | 2,072 |
| Earnings coverage of net charge-offs (x) | 56.2294% | 1,037 |
| Efficiency ratio | 58.1717% | 4,480 |
| Assets per employee ($millions) | 6.9725% | 966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5516% | 1,364 |
| Loan loss allowance to noncurrent loans | 487.2305% | 1,066 |
| Noncurrent assets plus other real estate owned to assets | 0.2790% | 3,952 |
| Noncurrent loans to loans | 0.3184% | 3,808 |
| Net loans and leases to total assets | 86.2477% | 245 |
| Net loans and leases to deposits | 128.5857% | 47 |
| Net loans and leases to core deposits | 137.8323% | 234 |
| Total domestic deposits to total assets | 67.0741% | 5,563 |
| Equity capital to assets | 19.6978% | 240 |
| Core capital (leverage) ratio | 18.2126% | 293 |
| Tier 1 risk-based capital ratio | 21.6853% | 1,084 |
| Total risk-based capital ratio | 22.9406% | 1,063 |
| Memoranda: | ||
| Average total assets | $215,697,500 | 2,788 |
| Average earning assets | $205,005,750 | 2,739 |
| Average equity | $41,490,250 | 1,814 |
| Average total loans | $185,153,000 | 2,290 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2076% | 2,445 |
| Cost of funding earning assets | 0.8847% | 337 |
| Net interest margin | 3.3230% | 4,040 |
| Noninterest income to average assets | 0.1782% | 5,164 |
| Noninterest expense to average assets | 1.9819% | 5,012 |
| Loan and lease loss provision to assets | 0.0278% | 3,443 |
| Net operating income to assets | 1.3259% | 1,230 |
| Return on assets (ROA) | 1.3259% | 1,256 |
| Pretax return on assets | 1.3259% | 2,284 |
| Return on Equity (ROE) | 6.9490% | 3,577 |
| Retained earnings to average equity (ytd only) | 6.9490% | 1,615 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.1085% | 4,576 |
| Assets per employee ($millions) | 6.9035% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5923% | 1,277 |
| Loan loss allowance to noncurrent loans | 742.3559% | 747 |
| Noncurrent assets plus other real estate owned to assets | 0.1864% | 4,429 |
| Noncurrent loans to loans | 0.2145% | 4,261 |
| Net loans and leases to total assets | 85.5361% | 307 |
| Net loans and leases to deposits | 127.7971% | 49 |
| Net loans and leases to core deposits | 136.8301% | 223 |
| Total domestic deposits to total assets | 66.9311% | 5,621 |
| Equity capital to assets | 19.5586% | 240 |
| Core capital (leverage) ratio | 17.7904% | 309 |
| Tier 1 risk-based capital ratio | 21.2236% | 1,152 |
| Total risk-based capital ratio | 22.4791% | 1,131 |
| Memoranda: | ||
| Average total assets | $215,548,000 | 2,805 |
| Average earning assets | $204,818,000 | 2,759 |
| Average equity | $41,128,330 | 1,827 |
| Average total loans | $183,751,000 | 2,313 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0962% | 2,663 |
| Cost of funding earning assets | 0.8733% | 326 |
| Net interest margin | 3.2229% | 4,271 |
| Noninterest income to average assets | 0.1849% | 5,170 |
| Noninterest expense to average assets | 1.9786% | 5,098 |
| Loan and lease loss provision to assets | 0.0277% | 3,211 |
| Net operating income to assets | 1.2426% | 1,399 |
| Return on assets (ROA) | 1.2426% | 1,436 |
| Pretax return on assets | 1.2426% | 2,439 |
| Return on Equity (ROE) | 6.5941% | 3,609 |
| Retained earnings to average equity (ytd only) | 6.5941% | 2,029 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3625% | 4,550 |
| Assets per employee ($millions) | 6.5519% | 1,159 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6177% | 1,340 |
| Loan loss allowance to noncurrent loans | 588.2236% | 932 |
| Noncurrent assets plus other real estate owned to assets | 0.2317% | 4,295 |
| Noncurrent loans to loans | 0.2750% | 4,121 |
| Net loans and leases to total assets | 82.8919% | 472 |
| Net loans and leases to deposits | 122.5985% | 74 |
| Net loans and leases to core deposits | 130.8914% | 256 |
| Total domestic deposits to total assets | 67.6125% | 5,683 |
| Equity capital to assets | 19.0090% | 246 |
| Core capital (leverage) ratio | 17.4141% | 331 |
| Tier 1 risk-based capital ratio | 21.5439% | 1,150 |
| Total risk-based capital ratio | 22.8000% | 1,125 |
| Memoranda: | ||
| Average total assets | $216,318,000 | 2,824 |
| Average earning assets | $205,653,000 | 2,770 |
| Average equity | $40,764,000 | 1,838 |
| Average total loans | $182,618,500 | 2,340 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5525% | 1,400 |
| Cost of funding earning assets | 0.9359% | 243 |
| Net interest margin | 3.6166% | 3,012 |
| Noninterest income to average assets | 0.2281% | 5,051 |
| Noninterest expense to average assets | 2.0258% | 5,140 |
| Loan and lease loss provision to assets | 0.0416% | 3,550 |
| Net operating income to assets | 1.4209% | 972 |
| Return on assets (ROA) | 1.4209% | 994 |
| Pretax return on assets | 1.4209% | 1,858 |
| Return on Equity (ROE) | 7.9018% | 2,996 |
| Retained earnings to average equity (ytd only) | 7.9018% | 884 |
| Net charge-offs to loans | 0.0511% | 3,021 |
| Credit loss provision to net charge-offs | 94.7368% | 2,709 |
| Earnings coverage of net charge-offs (x) | 33.3368% | 1,340 |
| Efficiency ratio | 55.4673% | 5,111 |
| Assets per employee ($millions) | 6.5583% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6016% | 1,372 |
| Loan loss allowance to noncurrent loans | 472.1417% | 1,107 |
| Noncurrent assets plus other real estate owned to assets | 0.3368% | 3,930 |
| Noncurrent loans to loans | 0.3392% | 3,921 |
| Net loans and leases to total assets | 83.2328% | 459 |
| Net loans and leases to deposits | 122.5867% | 68 |
| Net loans and leases to core deposits | 131.4087% | 269 |
| Total domestic deposits to total assets | 67.8971% | 5,718 |
| Equity capital to assets | 18.6801% | 261 |
| Core capital (leverage) ratio | 16.7933% | 373 |
| Tier 1 risk-based capital ratio | 21.3381% | 1,157 |
| Total risk-based capital ratio | 22.5943% | 1,142 |
| Memoranda: | ||
| Average total assets | $216,553,600 | 2,793 |
| Average earning assets | $195,209,600 | 2,848 |
| Average equity | $38,940,600 | 1,882 |
| Average total loans | $185,964,400 | 2,249 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6836% | 1,101 |
| Cost of funding earning assets | 0.9445% | 228 |
| Net interest margin | 3.7391% | 2,557 |
| Noninterest income to average assets | 0.2395% | 5,043 |
| Noninterest expense to average assets | 2.0413% | 5,124 |
| Loan and lease loss provision to assets | 0.0462% | 3,318 |
| Net operating income to assets | 1.4762% | 920 |
| Return on assets (ROA) | 1.4762% | 965 |
| Pretax return on assets | 1.4762% | 1,784 |
| Return on Equity (ROE) | 8.2897% | 2,859 |
| Retained earnings to average equity (ytd only) | 8.2897% | 1,050 |
| Net charge-offs to loans | 0.0221% | 3,238 |
| Credit loss provision to net charge-offs | 241.9355% | 1,227 |
| Earnings coverage of net charge-offs (x) | 79.7786% | 788 |
| Efficiency ratio | 54.4135% | 5,207 |
| Assets per employee ($millions) | 6.5106% | 1,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6338% | 1,372 |
| Loan loss allowance to noncurrent loans | 621.0417% | 887 |
| Noncurrent assets plus other real estate owned to assets | 0.2168% | 4,563 |
| Noncurrent loans to loans | 0.2631% | 4,318 |
| Net loans and leases to total assets | 81.0799% | 744 |
| Net loans and leases to deposits | 117.7683% | 136 |
| Net loans and leases to core deposits | 125.8882% | 370 |
| Total domestic deposits to total assets | 68.8470% | 5,746 |
| Equity capital to assets | 17.9566% | 349 |
| Core capital (leverage) ratio | 16.4660% | 424 |
| Tier 1 risk-based capital ratio | 20.3395% | 1,384 |
| Total risk-based capital ratio | 21.5954% | 1,348 |
| Memoranda: | ||
| Average total assets | $216,586,250 | 2,801 |
| Average earning assets | $192,553,500 | 2,886 |
| Average equity | $38,568,750 | 1,909 |
| Average total loans | $186,688,750 | 2,243 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9932% | 601 |
| Cost of funding earning assets | 0.9668% | 200 |
| Net interest margin | 4.0264% | 1,563 |
| Noninterest income to average assets | 0.2065% | 5,260 |
| Noninterest expense to average assets | 2.0624% | 5,138 |
| Loan and lease loss provision to assets | 0.0558% | 3,031 |
| Net operating income to assets | 1.5907% | 740 |
| Return on assets (ROA) | 1.5907% | 782 |
| Pretax return on assets | 1.5907% | 1,396 |
| Return on Equity (ROE) | 8.9587% | 2,512 |
| Retained earnings to average equity (ytd only) | 8.9587% | 862 |
| Net charge-offs to loans | 0.0351% | 2,750 |
| Credit loss provision to net charge-offs | 181.8182% | 1,389 |
| Earnings coverage of net charge-offs (x) | 53.6364% | 950 |
| Efficiency ratio | 53.2982% | 5,364 |
| Assets per employee ($millions) | 7.2220% | 798 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5767% | 1,594 |
| Loan loss allowance to noncurrent loans | 1,004.7458% | 576 |
| Noncurrent assets plus other real estate owned to assets | 0.1362% | 4,961 |
| Noncurrent loans to loans | 0.1569% | 4,809 |
| Net loans and leases to total assets | 85.3969% | 297 |
| Net loans and leases to deposits | 124.6621% | 69 |
| Net loans and leases to core deposits | 133.2361% | 262 |
| Total domestic deposits to total assets | 68.5027% | 5,827 |
| Equity capital to assets | 18.0287% | 338 |
| Core capital (leverage) ratio | 16.3280% | 428 |
| Tier 1 risk-based capital ratio | 20.1180% | 1,436 |
| Total risk-based capital ratio | 21.3737% | 1,400 |
| Memoranda: | ||
| Average total assets | $214,994,330 | 2,830 |
| Average earning assets | $187,013,670 | 2,966 |
| Average equity | $38,175,330 | 1,930 |
| Average total loans | $188,098,000 | 2,233 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8146% | 819 |
| Cost of funding earning assets | 0.9616% | 209 |
| Net interest margin | 3.8529% | 2,088 |
| Noninterest income to average assets | 0.1980% | 5,320 |
| Noninterest expense to average assets | 2.0844% | 5,143 |
| Loan and lease loss provision to assets | 0.0560% | 2,825 |
| Net operating income to assets | 1.4251% | 996 |
| Return on assets (ROA) | 1.4251% | 1,043 |
| Pretax return on assets | 1.4251% | 1,822 |
| Return on Equity (ROE) | 8.0885% | 2,860 |
| Retained earnings to average equity (ytd only) | 8.0885% | 1,417 |
| Net charge-offs to loans | -0.0021% | 4,126 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.6312% | 5,223 |
| Assets per employee ($millions) | 6.9029% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5771% | 1,692 |
| Loan loss allowance to noncurrent loans | 334.2342% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 0.4304% | 3,863 |
| Noncurrent loans to loans | 0.4719% | 3,763 |
| Net loans and leases to total assets | 86.5573% | 190 |
| Net loans and leases to deposits | 126.2716% | 51 |
| Net loans and leases to core deposits | 135.0118% | 218 |
| Total domestic deposits to total assets | 68.5485% | 5,908 |
| Equity capital to assets | 17.8111% | 344 |
| Core capital (leverage) ratio | 16.0607% | 462 |
| Tier 1 risk-based capital ratio | 19.6366% | 1,585 |
| Total risk-based capital ratio | 20.8925% | 1,548 |
| Memoranda: | ||
| Average total assets | $214,161,500 | 2,839 |
| Average earning assets | $187,182,500 | 2,965 |
| Average equity | $37,732,500 | 1,951 |
| Average total loans | $188,154,500 | 2,227 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6675% | 1,184 |
| Cost of funding earning assets | 0.9519% | 217 |
| Net interest margin | 3.7156% | 2,692 |
| Noninterest income to average assets | 0.1886% | 5,465 |
| Noninterest expense to average assets | 2.1610% | 5,128 |
| Loan and lease loss provision to assets | 0.0853% | 2,586 |
| Net operating income to assets | 1.2222% | 1,478 |
| Return on assets (ROA) | 1.2222% | 1,541 |
| Pretax return on assets | 1.2222% | 2,583 |
| Return on Equity (ROE) | 7.1514% | 3,429 |
| Retained earnings to average equity (ytd only) | 7.1514% | 1,213 |
| Net charge-offs to loans | -0.0118% | 5,147 |
| Credit loss provision to net charge-offs | -818.1818% | 5,531 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.7213% | 4,943 |
| Assets per employee ($millions) | 6.3039% | 1,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5613% | 1,752 |
| Loan loss allowance to noncurrent loans | 349.2271% | 1,430 |
| Noncurrent assets plus other real estate owned to assets | 0.3924% | 4,023 |
| Noncurrent loans to loans | 0.4471% | 3,870 |
| Net loans and leases to total assets | 86.3983% | 200 |
| Net loans and leases to deposits | 125.3647% | 66 |
| Net loans and leases to core deposits | 132.8798% | 232 |
| Total domestic deposits to total assets | 68.9175% | 5,946 |
| Equity capital to assets | 17.4266% | 366 |
| Core capital (leverage) ratio | 15.6193% | 516 |
| Tier 1 risk-based capital ratio | 19.0060% | 1,702 |
| Total risk-based capital ratio | 20.2618% | 1,658 |
| Memoranda: | ||
| Average total assets | $211,010,800 | 2,837 |
| Average earning assets | $186,267,600 | 2,926 |
| Average equity | $36,063,000 | 1,980 |
| Average total loans | $186,506,600 | 2,182 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6842% | 1,127 |
| Cost of funding earning assets | 0.9393% | 237 |
| Net interest margin | 3.7449% | 2,585 |
| Noninterest income to average assets | 0.1935% | 5,499 |
| Noninterest expense to average assets | 2.1746% | 5,120 |
| Loan and lease loss provision to assets | 0.0856% | 2,452 |
| Net operating income to assets | 1.2465% | 1,504 |
| Return on assets (ROA) | 1.2465% | 1,555 |
| Pretax return on assets | 1.2465% | 2,621 |
| Return on Equity (ROE) | 7.3303% | 3,449 |
| Retained earnings to average equity (ytd only) | 7.3303% | 1,533 |
| Net charge-offs to loans | -0.0143% | 5,095 |
| Credit loss provision to net charge-offs | -675.0000% | 5,421 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.4971% | 4,945 |
| Assets per employee ($millions) | 6.4945% | 1,069 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5309% | 2,031 |
| Loan loss allowance to noncurrent loans | 570.0197% | 913 |
| Noncurrent assets plus other real estate owned to assets | 0.2366% | 4,812 |
| Noncurrent loans to loans | 0.2686% | 4,621 |
| Net loans and leases to total assets | 86.7357% | 191 |
| Net loans and leases to deposits | 127.6636% | 52 |
| Net loans and leases to core deposits | 138.1257% | 187 |
| Total domestic deposits to total assets | 67.9408% | 6,042 |
| Equity capital to assets | 17.1413% | 421 |
| Core capital (leverage) ratio | 15.4235% | 569 |
| Tier 1 risk-based capital ratio | 18.6321% | 1,869 |
| Total risk-based capital ratio | 19.8869% | 1,832 |
| Memoranda: | ||
| Average total assets | $210,180,250 | 2,863 |
| Average earning assets | $185,955,250 | 2,955 |
| Average equity | $35,741,000 | 2,004 |
| Average total loans | $186,104,000 | 2,204 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6796% | 1,118 |
| Cost of funding earning assets | 0.9266% | 252 |
| Net interest margin | 3.7530% | 2,507 |
| Noninterest income to average assets | 0.1906% | 5,535 |
| Noninterest expense to average assets | 2.2011% | 5,111 |
| Loan and lease loss provision to assets | 0.0862% | 2,383 |
| Net operating income to assets | 1.2318% | 1,512 |
| Return on assets (ROA) | 1.2318% | 1,580 |
| Pretax return on assets | 1.2318% | 2,642 |
| Return on Equity (ROE) | 7.2637% | 3,454 |
| Retained earnings to average equity (ytd only) | 7.2637% | 1,586 |
| Net charge-offs to loans | -0.0216% | 5,200 |
| Credit loss provision to net charge-offs | -450.0000% | 5,188 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0163% | 4,977 |
| Assets per employee ($millions) | 6.0421% | 1,323 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5185% | 2,216 |
| Loan loss allowance to noncurrent loans | 388.6612% | 1,290 |
| Noncurrent assets plus other real estate owned to assets | 0.3461% | 4,499 |
| Noncurrent loans to loans | 0.3907% | 4,309 |
| Net loans and leases to total assets | 87.2532% | 179 |
| Net loans and leases to deposits | 128.6588% | 46 |
| Net loans and leases to core deposits | 138.8079% | 173 |
| Total domestic deposits to total assets | 67.8175% | 6,117 |
| Equity capital to assets | 17.0510% | 416 |
| Core capital (leverage) ratio | 15.3358% | 572 |
| Tier 1 risk-based capital ratio | 18.3265% | 1,974 |
| Total risk-based capital ratio | 19.5817% | 1,937 |
| Memoranda: | ||
| Average total assets | $208,800,670 | 2,906 |
| Average earning assets | $185,185,000 | 2,989 |
| Average equity | $35,409,000 | 2,030 |
| Average total loans | $185,211,670 | 2,221 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7081% | 1,019 |
| Cost of funding earning assets | 0.9143% | 266 |
| Net interest margin | 3.7938% | 2,249 |
| Noninterest income to average assets | 0.1889% | 5,572 |
| Noninterest expense to average assets | 2.2654% | 4,959 |
| Loan and lease loss provision to assets | 0.0868% | 2,245 |
| Net operating income to assets | 1.2050% | 1,533 |
| Return on assets (ROA) | 1.2050% | 1,625 |
| Pretax return on assets | 1.2050% | 2,645 |
| Return on Equity (ROE) | 7.1257% | 3,439 |
| Retained earnings to average equity (ytd only) | 7.1257% | 1,960 |
| Net charge-offs to loans | -0.0391% | 5,394 |
| Credit loss provision to net charge-offs | -250.0000% | 4,660 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7588% | 4,994 |
| Assets per employee ($millions) | 6.1784% | 1,269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5007% | 2,441 |
| Loan loss allowance to noncurrent loans | 270.3382% | 1,742 |
| Noncurrent assets plus other real estate owned to assets | 0.4927% | 4,055 |
| Noncurrent loans to loans | 0.5551% | 3,917 |
| Net loans and leases to total assets | 87.4250% | 131 |
| Net loans and leases to deposits | 128.6955% | 36 |
| Net loans and leases to core deposits | 136.7957% | 178 |
| Total domestic deposits to total assets | 67.9317% | 6,200 |
| Equity capital to assets | 16.8503% | 449 |
| Core capital (leverage) ratio | 15.3158% | 563 |
| Tier 1 risk-based capital ratio | 18.4742% | 2,012 |
| Total risk-based capital ratio | 19.7293% | 1,957 |
| Memoranda: | ||
| Average total assets | $207,465,000 | 2,937 |
| Average earning assets | $184,193,000 | 3,007 |
| Average equity | $35,084,500 | 2,061 |
| Average total loans | $184,137,000 | 2,238 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8010% | 1,115 |
| Cost of funding earning assets | 0.9606% | 272 |
| Net interest margin | 3.8403% | 2,466 |
| Noninterest income to average assets | 0.1474% | 5,957 |
| Noninterest expense to average assets | 2.2373% | 5,271 |
| Loan and lease loss provision to assets | 0.0896% | 2,677 |
| Net operating income to assets | 1.1774% | 1,651 |
| Return on assets (ROA) | 1.1774% | 1,724 |
| Pretax return on assets | 1.1774% | 2,748 |
| Return on Equity (ROE) | 7.0403% | 3,601 |
| Retained earnings to average equity (ytd only) | 7.0403% | 1,389 |
| Net charge-offs to loans | 0.0621% | 3,604 |
| Credit loss provision to net charge-offs | 165.1376% | 1,478 |
| Earnings coverage of net charge-offs (x) | 23.3394% | 1,588 |
| Efficiency ratio | 61.5122% | 4,991 |
| Assets per employee ($millions) | 6.2080% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5042% | 2,450 |
| Loan loss allowance to noncurrent loans | 414.3939% | 1,235 |
| Noncurrent assets plus other real estate owned to assets | 0.3222% | 4,753 |
| Noncurrent loans to loans | 0.3630% | 4,565 |
| Net loans and leases to total assets | 87.4194% | 140 |
| Net loans and leases to deposits | 129.7171% | 45 |
| Net loans and leases to core deposits | 138.1484% | 177 |
| Total domestic deposits to total assets | 67.3924% | 6,289 |
| Equity capital to assets | 16.9733% | 420 |
| Core capital (leverage) ratio | 15.0611% | 600 |
| Tier 1 risk-based capital ratio | 17.9632% | 2,150 |
| Total risk-based capital ratio | 19.2175% | 2,114 |
| Memoranda: | ||
| Average total assets | $200,782,200 | 2,985 |
| Average earning assets | $175,506,400 | 3,094 |
| Average equity | $33,578,200 | 2,076 |
| Average total loans | $175,484,800 | 2,278 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8165% | 1,077 |
| Cost of funding earning assets | 0.9611% | 290 |
| Net interest margin | 3.8553% | 2,413 |
| Noninterest income to average assets | 0.1528% | 6,001 |
| Noninterest expense to average assets | 2.2573% | 5,207 |
| Loan and lease loss provision to assets | 0.0901% | 2,555 |
| Net operating income to assets | 1.1627% | 1,815 |
| Return on assets (ROA) | 1.1627% | 1,881 |
| Pretax return on assets | 1.1627% | 2,937 |
| Return on Equity (ROE) | 6.9790% | 3,715 |
| Retained earnings to average equity (ytd only) | 6.9790% | 1,830 |
| Net charge-offs to loans | 0.0859% | 2,978 |
| Credit loss provision to net charge-offs | 120.5357% | 1,907 |
| Earnings coverage of net charge-offs (x) | 16.7589% | 1,945 |
| Efficiency ratio | 61.8749% | 4,904 |
| Assets per employee ($millions) | 5.9950% | 1,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4765% | 2,834 |
| Loan loss allowance to noncurrent loans | 493.9338% | 975 |
| Noncurrent assets plus other real estate owned to assets | 0.2593% | 5,206 |
| Noncurrent loans to loans | 0.2989% | 5,007 |
| Net loans and leases to total assets | 85.4513% | 225 |
| Net loans and leases to deposits | 124.9801% | 66 |
| Net loans and leases to core deposits | 132.5176% | 211 |
| Total domestic deposits to total assets | 68.3719% | 6,339 |
| Equity capital to assets | 16.2754% | 526 |
| Core capital (leverage) ratio | 14.3854% | 751 |
| Tier 1 risk-based capital ratio | 17.7932% | 2,277 |
| Total risk-based capital ratio | 19.0476% | 2,241 |
| Memoranda: | ||
| Average total assets | $199,762,000 | 3,020 |
| Average earning assets | $173,954,250 | 3,137 |
| Average equity | $33,279,750 | 2,100 |
| Average total loans | $173,899,750 | 2,306 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9324% | 854 |
| Cost of funding earning assets | 0.9750% | 288 |
| Net interest margin | 3.9574% | 1,939 |
| Noninterest income to average assets | 0.1538% | 6,025 |
| Noninterest expense to average assets | 2.3176% | 5,111 |
| Loan and lease loss provision to assets | 0.0916% | 2,496 |
| Net operating income to assets | 1.1955% | 1,605 |
| Return on assets (ROA) | 1.1955% | 1,670 |
| Pretax return on assets | 1.1955% | 2,680 |
| Return on Equity (ROE) | 7.1174% | 3,564 |
| Retained earnings to average equity (ytd only) | 7.1174% | 1,710 |
| Net charge-offs to loans | 0.0432% | 3,363 |
| Credit loss provision to net charge-offs | 243.2432% | 1,010 |
| Earnings coverage of net charge-offs (x) | 34.1622% | 1,170 |
| Efficiency ratio | 62.1469% | 4,989 |
| Assets per employee ($millions) | 5.4233% | 1,766 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6009% | 2,453 |
| Loan loss allowance to noncurrent loans | 276.9623% | 1,622 |
| Noncurrent assets plus other real estate owned to assets | 0.5025% | 4,499 |
| Noncurrent loans to loans | 0.5780% | 4,288 |
| Net loans and leases to total assets | 85.5360% | 212 |
| Net loans and leases to deposits | 121.5079% | 77 |
| Net loans and leases to core deposits | 129.1545% | 239 |
| Total domestic deposits to total assets | 70.3955% | 6,339 |
| Equity capital to assets | 17.2006% | 392 |
| Core capital (leverage) ratio | 15.1791% | 578 |
| Tier 1 risk-based capital ratio | 18.4195% | 2,095 |
| Total risk-based capital ratio | 19.6758% | 2,053 |
| Memoranda: | ||
| Average total assets | $196,407,330 | 3,076 |
| Average earning assets | $171,274,000 | 3,188 |
| Average equity | $32,989,670 | 2,098 |
| Average total loans | $171,204,330 | 2,327 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8789% | 903 |
| Cost of funding earning assets | 0.9772% | 302 |
| Net interest margin | 3.9017% | 2,080 |
| Noninterest income to average assets | 0.1645% | 5,989 |
| Noninterest expense to average assets | 2.3189% | 5,146 |
| Loan and lease loss provision to assets | 0.0914% | 2,393 |
| Net operating income to assets | 1.1594% | 1,596 |
| Return on assets (ROA) | 1.1594% | 1,670 |
| Pretax return on assets | 1.1594% | 2,661 |
| Return on Equity (ROE) | 6.9861% | 3,478 |
| Retained earnings to average equity (ytd only) | 6.9861% | 2,050 |
| Net charge-offs to loans | 0.0535% | 2,630 |
| Credit loss provision to net charge-offs | 195.6522% | 1,065 |
| Earnings coverage of net charge-offs (x) | 26.7826% | 1,121 |
| Efficiency ratio | 63.0830% | 4,993 |
| Assets per employee ($millions) | 5.4434% | 1,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5465% | 2,945 |
| Loan loss allowance to noncurrent loans | 380.9929% | 1,210 |
| Noncurrent assets plus other real estate owned to assets | 0.3598% | 5,085 |
| Noncurrent loans to loans | 0.4059% | 4,917 |
| Net loans and leases to total assets | 87.2588% | 102 |
| Net loans and leases to deposits | 123.2361% | 56 |
| Net loans and leases to core deposits | 130.8882% | 184 |
| Total domestic deposits to total assets | 70.8062% | 6,412 |
| Equity capital to assets | 16.8292% | 413 |
| Core capital (leverage) ratio | 14.7970% | 625 |
| Tier 1 risk-based capital ratio | 17.9411% | 2,324 |
| Total risk-based capital ratio | 19.1968% | 2,297 |
| Memoranda: | ||
| Average total assets | $196,992,500 | 3,089 |
| Average earning assets | $171,923,000 | 3,196 |
| Average equity | $32,693,500 | 2,109 |
| Average total loans | $171,949,000 | 2,321 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0377% | 853 |
| Cost of funding earning assets | 1.0416% | 373 |
| Net interest margin | 3.9961% | 1,957 |
| Noninterest income to average assets | 0.2528% | 5,537 |
| Noninterest expense to average assets | 2.1392% | 5,748 |
| Loan and lease loss provision to assets | 0.2763% | 1,267 |
| Net operating income to assets | 1.3472% | 1,141 |
| Return on assets (ROA) | 1.3472% | 1,178 |
| Pretax return on assets | 1.3472% | 1,979 |
| Return on Equity (ROE) | 8.4740% | 2,792 |
| Retained earnings to average equity (ytd only) | 8.4740% | 916 |
| Net charge-offs to loans | 0.0727% | 4,192 |
| Credit loss provision to net charge-offs | 435.4839% | 521 |
| Earnings coverage of net charge-offs (x) | 25.5887% | 1,322 |
| Efficiency ratio | 54.3242% | 6,105 |
| Assets per employee ($millions) | 5.5006% | 1,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5651% | 2,903 |
| Loan loss allowance to noncurrent loans | 390.6158% | 1,191 |
| Noncurrent assets plus other real estate owned to assets | 0.3444% | 5,238 |
| Noncurrent loans to loans | 0.4007% | 5,007 |
| Net loans and leases to total assets | 84.6133% | 216 |
| Net loans and leases to deposits | 118.5981% | 79 |
| Net loans and leases to core deposits | 125.5643% | 241 |
| Total domestic deposits to total assets | 71.3446% | 6,457 |
| Equity capital to assets | 16.3659% | 471 |
| Core capital (leverage) ratio | 14.3352% | 735 |
| Tier 1 risk-based capital ratio | 17.7845% | 2,312 |
| Total risk-based capital ratio | 19.0397% | 2,281 |
| Memoranda: | ||
| Average total assets | $195,447,200 | 3,079 |
| Average earning assets | $171,666,400 | 3,198 |
| Average equity | $31,071,400 | 2,186 |
| Average total loans | $170,665,000 | 2,296 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0501% | 849 |
| Cost of funding earning assets | 1.0440% | 399 |
| Net interest margin | 4.0061% | 1,924 |
| Noninterest income to average assets | 0.2929% | 5,358 |
| Noninterest expense to average assets | 2.1443% | 5,734 |
| Loan and lease loss provision to assets | 0.3388% | 963 |
| Net operating income to assets | 1.3477% | 1,228 |
| Return on assets (ROA) | 1.3477% | 1,276 |
| Pretax return on assets | 1.3477% | 2,133 |
| Return on Equity (ROE) | 8.5410% | 2,868 |
| Retained earnings to average equity (ytd only) | 8.5410% | 1,218 |
| Net charge-offs to loans | 0.0874% | 3,698 |
| Credit loss provision to net charge-offs | 441.9643% | 597 |
| Earnings coverage of net charge-offs (x) | 21.9999% | 1,518 |
| Efficiency ratio | 53.2964% | 6,160 |
| Assets per employee ($millions) | 5.6182% | 1,521 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5468% | 3,243 |
| Loan loss allowance to noncurrent loans | 420.9600% | 1,036 |
| Noncurrent assets plus other real estate owned to assets | 0.3255% | 5,432 |
| Noncurrent loans to loans | 0.3674% | 5,296 |
| Net loans and leases to total assets | 85.1645% | 185 |
| Net loans and leases to deposits | 119.3733% | 72 |
| Net loans and leases to core deposits | 126.2241% | 238 |
| Total domestic deposits to total assets | 71.3430% | 6,532 |
| Equity capital to assets | 16.1435% | 530 |
| Core capital (leverage) ratio | 14.0834% | 854 |
| Tier 1 risk-based capital ratio | 17.4501% | 2,523 |
| Total risk-based capital ratio | 18.7052% | 2,496 |
| Memoranda: | ||
| Average total assets | $194,803,500 | 3,117 |
| Average earning assets | $172,032,500 | 3,218 |
| Average equity | $30,737,250 | 2,233 |
| Average total loans | $170,777,000 | 2,303 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0565% | 834 |
| Cost of funding earning assets | 1.0481% | 436 |
| Net interest margin | 4.0084% | 1,828 |
| Noninterest income to average assets | 0.3533% | 4,861 |
| Noninterest expense to average assets | 2.1855% | 5,666 |
| Loan and lease loss provision to assets | 0.4635% | 617 |
| Net operating income to assets | 1.2688% | 1,408 |
| Return on assets (ROA) | 1.2688% | 1,507 |
| Pretax return on assets | 1.2688% | 2,410 |
| Return on Equity (ROE) | 8.1048% | 3,041 |
| Retained earnings to average equity (ytd only) | 8.1048% | 1,441 |
| Net charge-offs to loans | 0.0444% | 4,060 |
| Credit loss provision to net charge-offs | 1,184.2105% | 263 |
| Earnings coverage of net charge-offs (x) | 44.2632% | 862 |
| Efficiency ratio | 52.7865% | 6,233 |
| Assets per employee ($millions) | 5.5825% | 1,512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5560% | 3,335 |
| Loan loss allowance to noncurrent loans | 372.0280% | 1,141 |
| Noncurrent assets plus other real estate owned to assets | 0.3659% | 5,392 |
| Noncurrent loans to loans | 0.4182% | 5,212 |
| Net loans and leases to total assets | 86.1333% | 148 |
| Net loans and leases to deposits | 120.3827% | 69 |
| Net loans and leases to core deposits | 125.2214% | 235 |
| Total domestic deposits to total assets | 71.5496% | 6,585 |
| Equity capital to assets | 15.8694% | 543 |
| Core capital (leverage) ratio | 13.7795% | 889 |
| Tier 1 risk-based capital ratio | 16.7707% | 2,800 |
| Total risk-based capital ratio | 18.0264% | 2,775 |
| Memoranda: | ||
| Average total assets | $194,192,670 | 3,137 |
| Average earning assets | $172,687,000 | 3,217 |
| Average equity | $30,401,670 | 2,252 |
| Average total loans | $171,004,330 | 2,302 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1233% | 711 |
| Cost of funding earning assets | 1.0732% | 427 |
| Net interest margin | 4.0501% | 1,613 |
| Noninterest income to average assets | 0.3926% | 4,517 |
| Noninterest expense to average assets | 2.2067% | 5,668 |
| Loan and lease loss provision to assets | 0.4649% | 597 |
| Net operating income to assets | 1.3389% | 1,180 |
| Return on assets (ROA) | 1.3389% | 1,277 |
| Pretax return on assets | 1.3389% | 2,080 |
| Return on Equity (ROE) | 8.6116% | 2,662 |
| Retained earnings to average equity (ytd only) | 8.6116% | 1,517 |
| Net charge-offs to loans | 0.0421% | 3,449 |
| Credit loss provision to net charge-offs | 1,250.0000% | 253 |
| Earnings coverage of net charge-offs (x) | 48.5000% | 688 |
| Efficiency ratio | 52.0866% | 6,374 |
| Assets per employee ($millions) | 5.6808% | 1,506 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4371% | 4,065 |
| Loan loss allowance to noncurrent loans | 228.1599% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 0.5571% | 4,998 |
| Noncurrent loans to loans | 0.6299% | 4,869 |
| Net loans and leases to total assets | 87.1762% | 88 |
| Net loans and leases to deposits | 121.8725% | 55 |
| Net loans and leases to core deposits | 126.8191% | 200 |
| Total domestic deposits to total assets | 71.5306% | 6,681 |
| Equity capital to assets | 15.7511% | 598 |
| Core capital (leverage) ratio | 13.6243% | 897 |
| Tier 1 risk-based capital ratio | 16.5982% | 2,953 |
| Total risk-based capital ratio | 17.8521% | 2,911 |
| Memoranda: | ||
| Average total assets | $193,594,500 | 3,174 |
| Average earning assets | $172,934,000 | 3,240 |
| Average equity | $30,099,000 | 2,283 |
| Average total loans | $171,029,000 | 2,311 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2486% | 1,021 |
| Cost of funding earning assets | 1.2612% | 435 |
| Net interest margin | 3.9874% | 2,445 |
| Noninterest income to average assets | 0.4614% | 4,164 |
| Noninterest expense to average assets | 2.1032% | 6,121 |
| Loan and lease loss provision to assets | 0.6793% | 778 |
| Net operating income to assets | 1.2808% | 1,365 |
| Return on assets (ROA) | 1.2808% | 1,513 |
| Pretax return on assets | 1.2808% | 2,487 |
| Return on Equity (ROE) | 8.9329% | 2,677 |
| Retained earnings to average equity (ytd only) | 8.9329% | 849 |
| Net charge-offs to loans | 0.4226% | 2,545 |
| Credit loss provision to net charge-offs | 181.1245% | 1,453 |
| Earnings coverage of net charge-offs (x) | 5.2262% | 3,100 |
| Efficiency ratio | 48.1527% | 6,701 |
| Assets per employee ($millions) | 5.7071% | 1,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3129% | 4,564 |
| Loan loss allowance to noncurrent loans | 148.7756% | 2,391 |
| Noncurrent assets plus other real estate owned to assets | 0.7787% | 4,511 |
| Noncurrent loans to loans | 0.8825% | 4,415 |
| Net loans and leases to total assets | 87.0826% | 107 |
| Net loans and leases to deposits | 122.3427% | 63 |
| Net loans and leases to core deposits | 127.5907% | 204 |
| Total domestic deposits to total assets | 71.1793% | 6,732 |
| Equity capital to assets | 15.3447% | 670 |
| Core capital (leverage) ratio | 13.2080% | 1,044 |
| Tier 1 risk-based capital ratio | 16.1880% | 3,053 |
| Total risk-based capital ratio | 17.4404% | 3,009 |
| Memoranda: | ||
| Average total assets | $199,170,400 | 3,056 |
| Average earning assets | $179,914,600 | 3,095 |
| Average equity | $28,557,400 | 2,345 |
| Average total loans | $176,754,600 | 2,240 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2614% | 1,079 |
| Cost of funding earning assets | 1.2907% | 454 |
| Net interest margin | 3.9706% | 2,621 |
| Noninterest income to average assets | 0.3811% | 4,770 |
| Noninterest expense to average assets | 2.0540% | 6,260 |
| Loan and lease loss provision to assets | 0.6006% | 921 |
| Net operating income to assets | 1.3216% | 1,393 |
| Return on assets (ROA) | 1.3216% | 1,526 |
| Pretax return on assets | 1.3216% | 2,519 |
| Return on Equity (ROE) | 9.3770% | 2,645 |
| Retained earnings to average equity (ytd only) | 9.3770% | 1,102 |
| Net charge-offs to loans | 0.4319% | 2,372 |
| Credit loss provision to net charge-offs | 156.4991% | 1,798 |
| Earnings coverage of net charge-offs (x) | 5.0087% | 3,139 |
| Efficiency ratio | 48.2268% | 6,707 |
| Assets per employee ($millions) | 5.9688% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1167% | 5,650 |
| Loan loss allowance to noncurrent loans | 117.4224% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 0.8509% | 4,587 |
| Noncurrent loans to loans | 0.9510% | 4,534 |
| Net loans and leases to total assets | 88.4713% | 81 |
| Net loans and leases to deposits | 123.2161% | 65 |
| Net loans and leases to core deposits | 129.1145% | 198 |
| Total domestic deposits to total assets | 71.8018% | 6,754 |
| Equity capital to assets | 14.8302% | 864 |
| Core capital (leverage) ratio | 12.7037% | 1,315 |
| Tier 1 risk-based capital ratio | 15.2425% | 3,680 |
| Total risk-based capital ratio | 16.6585% | 3,546 |
| Memoranda: | ||
| Average total assets | $200,452,750 | 3,068 |
| Average earning assets | $181,495,000 | 3,099 |
| Average equity | $28,253,000 | 2,386 |
| Average total loans | $178,137,250 | 2,258 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2756% | 1,098 |
| Cost of funding earning assets | 1.3197% | 477 |
| Net interest margin | 3.9559% | 2,697 |
| Noninterest income to average assets | 0.3452% | 5,074 |
| Noninterest expense to average assets | 2.0187% | 6,395 |
| Loan and lease loss provision to assets | 0.5208% | 1,205 |
| Net operating income to assets | 1.3888% | 1,211 |
| Return on assets (ROA) | 1.3888% | 1,357 |
| Pretax return on assets | 1.3888% | 2,241 |
| Return on Equity (ROE) | 10.0237% | 2,336 |
| Retained earnings to average equity (ytd only) | 10.0237% | 965 |
| Net charge-offs to loans | 0.6455% | 1,705 |
| Credit loss provision to net charge-offs | 90.9879% | 3,015 |
| Earnings coverage of net charge-offs (x) | 3.3362% | 3,414 |
| Efficiency ratio | 48.3333% | 6,755 |
| Assets per employee ($millions) | 6.3695% | 1,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8929% | 6,480 |
| Loan loss allowance to noncurrent loans | 102.8461% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.8042% | 4,793 |
| Noncurrent loans to loans | 0.8682% | 4,765 |
| Net loans and leases to total assets | 89.3793% | 51 |
| Net loans and leases to deposits | 123.9190% | 57 |
| Net loans and leases to core deposits | 129.5526% | 212 |
| Total domestic deposits to total assets | 72.1272% | 6,794 |
| Equity capital to assets | 14.4965% | 920 |
| Core capital (leverage) ratio | 12.3580% | 1,413 |
| Tier 1 risk-based capital ratio | 15.2976% | 3,573 |
| Total risk-based capital ratio | 16.5121% | 3,562 |
| Memoranda: | ||
| Average total assets | $201,613,670 | 3,064 |
| Average earning assets | $182,615,330 | 3,090 |
| Average equity | $27,933,670 | 2,401 |
| Average total loans | $178,773,000 | 2,246 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3056% | 1,083 |
| Cost of funding earning assets | 1.3499% | 516 |
| Net interest margin | 3.9558% | 2,687 |
| Noninterest income to average assets | 0.3024% | 5,456 |
| Noninterest expense to average assets | 1.9912% | 6,480 |
| Loan and lease loss provision to assets | 0.4418% | 1,411 |
| Net operating income to assets | 1.4316% | 1,163 |
| Return on assets (ROA) | 1.4316% | 1,306 |
| Pretax return on assets | 1.4316% | 2,086 |
| Return on Equity (ROE) | 10.5696% | 2,202 |
| Retained earnings to average equity (ytd only) | 10.5696% | 1,150 |
| Net charge-offs to loans | 1.2081% | 850 |
| Credit loss provision to net charge-offs | 41.5896% | 3,432 |
| Earnings coverage of net charge-offs (x) | 1.7634% | 3,458 |
| Efficiency ratio | 48.1199% | 6,797 |
| Assets per employee ($millions) | 6.6305% | 913 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7428% | 6,827 |
| Loan loss allowance to noncurrent loans | 91.1967% | 3,308 |
| Noncurrent assets plus other real estate owned to assets | 0.7074% | 5,132 |
| Noncurrent loans to loans | 0.8145% | 5,044 |
| Net loans and leases to total assets | 86.2045% | 115 |
| Net loans and leases to deposits | 122.4669% | 60 |
| Net loans and leases to core deposits | 128.0969% | 216 |
| Total domestic deposits to total assets | 70.3901% | 6,964 |
| Equity capital to assets | 13.5994% | 1,201 |
| Core capital (leverage) ratio | 11.5163% | 1,882 |
| Tier 1 risk-based capital ratio | 15.0055% | 3,758 |
| Total risk-based capital ratio | 16.0611% | 3,843 |
| Memoranda: | ||
| Average total assets | $203,693,500 | 3,063 |
| Average earning assets | $183,427,500 | 3,104 |
| Average equity | $27,588,500 | 2,423 |
| Average total loans | $179,123,000 | 2,253 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3557% | 1,550 |
| Cost of funding earning assets | 1.5801% | 515 |
| Net interest margin | 3.7756% | 3,947 |
| Noninterest income to average assets | 0.2181% | 5,960 |
| Noninterest expense to average assets | 2.1824% | 6,305 |
| Loan and lease loss provision to assets | 0.3014% | 3,259 |
| Net operating income to assets | 1.1265% | 1,735 |
| Return on assets (ROA) | 1.1265% | 1,854 |
| Pretax return on assets | 1.1265% | 2,734 |
| Return on Equity (ROE) | 7.8609% | 2,981 |
| Retained earnings to average equity (ytd only) | 7.8609% | 1,130 |
| Net charge-offs to loans | 0.2479% | 4,228 |
| Credit loss provision to net charge-offs | 149.0515% | 1,904 |
| Earnings coverage of net charge-offs (x) | 7.0623% | 2,401 |
| Efficiency ratio | 58.5066% | 5,986 |
| Assets per employee ($millions) | 6.5110% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9136% | 6,504 |
| Loan loss allowance to noncurrent loans | 75.6333% | 3,829 |
| Noncurrent assets plus other real estate owned to assets | 1.0756% | 4,464 |
| Noncurrent loans to loans | 1.2079% | 4,358 |
| Net loans and leases to total assets | 88.2318% | 72 |
| Net loans and leases to deposits | 125.7240% | 63 |
| Net loans and leases to core deposits | 131.6158% | 219 |
| Total domestic deposits to total assets | 70.1790% | 6,981 |
| Equity capital to assets | 13.4878% | 1,269 |
| Core capital (leverage) ratio | 11.3534% | 2,001 |
| Tier 1 risk-based capital ratio | 15.5300% | 3,305 |
| Total risk-based capital ratio | 17.7119% | 2,805 |
| Memoranda: | ||
| Average total assets | $182,508,400 | 3,293 |
| Average earning assets | $163,976,000 | 3,333 |
| Average equity | $26,154,800 | 2,466 |
| Average total loans | $148,848,800 | 2,657 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4709% | 1,332 |
| Cost of funding earning assets | 1.6605% | 460 |
| Net interest margin | 3.8104% | 3,819 |
| Noninterest income to average assets | 0.1839% | 6,280 |
| Noninterest expense to average assets | 2.2362% | 6,198 |
| Loan and lease loss provision to assets | 0.2364% | 3,646 |
| Net operating income to assets | 1.1174% | 1,911 |
| Return on assets (ROA) | 1.1174% | 2,049 |
| Pretax return on assets | 1.1174% | 2,933 |
| Return on Equity (ROE) | 7.6689% | 3,194 |
| Retained earnings to average equity (ytd only) | 7.6689% | 1,641 |
| Net charge-offs to loans | 0.3486% | 3,352 |
| Credit loss provision to net charge-offs | 85.3659% | 3,950 |
| Earnings coverage of net charge-offs (x) | 4.8889% | 2,932 |
| Efficiency ratio | 60.2843% | 5,671 |
| Assets per employee ($millions) | 5.8259% | 1,326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9798% | 6,355 |
| Loan loss allowance to noncurrent loans | 122.1354% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.6379% | 5,544 |
| Noncurrent loans to loans | 0.8023% | 5,267 |
| Net loans and leases to total assets | 78.7286% | 636 |
| Net loans and leases to deposits | 101.0425% | 426 |
| Net loans and leases to core deposits | 106.2262% | 849 |
| Total domestic deposits to total assets | 77.9163% | 6,208 |
| Equity capital to assets | 14.7599% | 912 |
| Core capital (leverage) ratio | 12.3867% | 1,491 |
| Tier 1 risk-based capital ratio | 17.0654% | 2,622 |
| Total risk-based capital ratio | 19.3447% | 2,181 |
| Memoranda: | ||
| Average total assets | $177,675,250 | 3,387 |
| Average earning assets | $158,823,250 | 3,450 |
| Average equity | $25,887,500 | 2,495 |
| Average total loans | $141,128,500 | 2,792 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4142% | 1,518 |
| Cost of funding earning assets | 1.6779% | 508 |
| Net interest margin | 3.7363% | 4,093 |
| Noninterest income to average assets | 0.2026% | 6,218 |
| Noninterest expense to average assets | 2.2988% | 6,137 |
| Loan and lease loss provision to assets | 0.2377% | 3,541 |
| Net operating income to assets | 1.0662% | 1,979 |
| Return on assets (ROA) | 1.0662% | 2,070 |
| Pretax return on assets | 1.0662% | 2,980 |
| Return on Equity (ROE) | 7.3505% | 3,266 |
| Retained earnings to average equity (ytd only) | 7.3505% | 1,715 |
| Net charge-offs to loans | 0.1012% | 4,669 |
| Credit loss provision to net charge-offs | 295.7746% | 1,035 |
| Earnings coverage of net charge-offs (x) | 16.2254% | 1,355 |
| Efficiency ratio | 61.7970% | 5,615 |
| Assets per employee ($millions) | 5.6826% | 1,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1228% | 5,858 |
| Loan loss allowance to noncurrent loans | 174.4820% | 1,723 |
| Noncurrent assets plus other real estate owned to assets | 0.5205% | 5,874 |
| Noncurrent loans to loans | 0.6435% | 5,637 |
| Net loans and leases to total assets | 79.9865% | 532 |
| Net loans and leases to deposits | 102.8541% | 350 |
| Net loans and leases to core deposits | 108.2627% | 801 |
| Total domestic deposits to total assets | 77.7669% | 6,334 |
| Equity capital to assets | 14.8217% | 856 |
| Core capital (leverage) ratio | 12.3723% | 1,414 |
| Tier 1 risk-based capital ratio | 16.6983% | 2,650 |
| Total risk-based capital ratio | 19.1180% | 2,169 |
| Memoranda: | ||
| Average total assets | $176,699,000 | 3,421 |
| Average earning assets | $160,800,330 | 3,428 |
| Average equity | $25,631,000 | 2,497 |
| Average total loans | $140,306,670 | 2,839 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4825% | 1,344 |
| Cost of funding earning assets | 1.7166% | 518 |
| Net interest margin | 3.7659% | 3,778 |
| Noninterest income to average assets | 0.1876% | 6,378 |
| Noninterest expense to average assets | 2.3417% | 6,076 |
| Loan and lease loss provision to assets | 0.2373% | 3,293 |
| Net operating income to assets | 1.0104% | 2,151 |
| Return on assets (ROA) | 1.0104% | 2,199 |
| Pretax return on assets | 1.0104% | 3,093 |
| Return on Equity (ROE) | 7.0417% | 3,357 |
| Retained earnings to average equity (ytd only) | 7.0417% | 2,129 |
| Net charge-offs to loans | 0.2040% | 3,287 |
| Credit loss provision to net charge-offs | 147.8873% | 1,929 |
| Earnings coverage of net charge-offs (x) | 7.7746% | 1,897 |
| Efficiency ratio | 63.2242% | 5,483 |
| Assets per employee ($millions) | 5.6003% | 1,491 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0675% | 6,169 |
| Loan loss allowance to noncurrent loans | 322.1983% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.2788% | 6,488 |
| Noncurrent loans to loans | 0.3313% | 6,331 |
| Net loans and leases to total assets | 79.8087% | 527 |
| Net loans and leases to deposits | 102.6927% | 359 |
| Net loans and leases to core deposits | 108.2427% | 834 |
| Total domestic deposits to total assets | 77.7160% | 6,410 |
| Equity capital to assets | 14.7544% | 821 |
| Core capital (leverage) ratio | 12.2333% | 1,440 |
| Tier 1 risk-based capital ratio | 16.5653% | 2,636 |
| Total risk-based capital ratio | 18.9705% | 2,180 |
| Memoranda: | ||
| Average total assets | $176,968,000 | 3,433 |
| Average earning assets | $159,855,000 | 3,468 |
| Average equity | $25,391,500 | 2,505 |
| Average total loans | $139,207,500 | 2,906 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5561% | 2,065 |
| Cost of funding earning assets | 2.1305% | 383 |
| Net interest margin | 3.4256% | 5,527 |
| Noninterest income to average assets | 2.9402% | 237 |
| Noninterest expense to average assets | 2.2680% | 6,437 |
| Loan and lease loss provision to assets | 0.3229% | 4,231 |
| Net operating income to assets | 3.4275% | 55 |
| Return on assets (ROA) | 3.4275% | 57 |
| Pretax return on assets | 3.4275% | 93 |
| Return on Equity (ROE) | 25.2299% | 99 |
| Retained earnings to average equity (ytd only) | 25.2299% | 25 |
| Net charge-offs to loans | 0.1712% | 5,295 |
| Credit loss provision to net charge-offs | 231.9820% | 1,270 |
| Earnings coverage of net charge-offs (x) | 26.9414% | 809 |
| Efficiency ratio | 36.7993% | 7,539 |
| Assets per employee ($millions) | 6.0109% | 1,204 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 6,125 |
| Loan loss allowance to noncurrent loans | 137.7003% | 2,149 |
| Noncurrent assets plus other real estate owned to assets | 1.3198% | 4,389 |
| Noncurrent loans to loans | 0.7668% | 5,515 |
| Net loans and leases to total assets | 75.9199% | 1,287 |
| Net loans and leases to deposits | 96.3746% | 840 |
| Net loans and leases to core deposits | 102.1329% | 1,442 |
| Total domestic deposits to total assets | 78.7758% | 6,142 |
| Equity capital to assets | 13.9569% | 1,050 |
| Core capital (leverage) ratio | 11.4940% | 1,834 |
| Tier 1 risk-based capital ratio | 15.9229% | 2,786 |
| Total risk-based capital ratio | 18.2628% | 2,306 |
| Memoranda: | ||
| Average total assets | $159,476,600 | 3,706 |
| Average earning assets | $143,301,600 | 3,753 |
| Average equity | $21,664,800 | 2,917 |
| Average total loans | $129,679,000 | 3,127 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4892% | 2,472 |
| Cost of funding earning assets | 2.0950% | 542 |
| Net interest margin | 3.3942% | 5,701 |
| Noninterest income to average assets | 2.0977% | 357 |
| Noninterest expense to average assets | 1.9110% | 7,193 |
| Loan and lease loss provision to assets | 0.3500% | 3,814 |
| Net operating income to assets | 2.8850% | 89 |
| Return on assets (ROA) | 2.8850% | 94 |
| Pretax return on assets | 2.8850% | 140 |
| Return on Equity (ROE) | 21.4082% | 227 |
| Retained earnings to average equity (ytd only) | 21.4082% | 64 |
| Net charge-offs to loans | 0.2342% | 4,539 |
| Credit loss provision to net charge-offs | 180.8036% | 2,027 |
| Earnings coverage of net charge-offs (x) | 16.7098% | 1,369 |
| Efficiency ratio | 36.2445% | 7,632 |
| Assets per employee ($millions) | 6.5839% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9231% | 6,665 |
| Loan loss allowance to noncurrent loans | 67.6190% | 3,939 |
| Noncurrent assets plus other real estate owned to assets | 1.6084% | 4,038 |
| Noncurrent loans to loans | 1.3651% | 4,581 |
| Net loans and leases to total assets | 75.8341% | 1,442 |
| Net loans and leases to deposits | 99.9613% | 662 |
| Net loans and leases to core deposits | 106.3489% | 1,296 |
| Total domestic deposits to total assets | 75.8634% | 6,681 |
| Equity capital to assets | 12.0670% | 2,117 |
| Core capital (leverage) ratio | 9.6810% | 3,648 |
| Tier 1 risk-based capital ratio | 13.6476% | 4,082 |
| Total risk-based capital ratio | 15.8082% | 3,448 |
| Memoranda: | ||
| Average total assets | $154,264,000 | 3,855 |
| Average earning assets | $138,548,000 | 3,895 |
| Average equity | $20,789,000 | 3,073 |
| Average total loans | $127,507,500 | 3,216 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9198% | 1,137 |
| Cost of funding earning assets | 2.2456% | 403 |
| Net interest margin | 3.6742% | 4,482 |
| Noninterest income to average assets | 0.1169% | 7,023 |
| Noninterest expense to average assets | 2.0276% | 7,059 |
| Loan and lease loss provision to assets | 0.4083% | 3,274 |
| Net operating income to assets | 1.0053% | 2,173 |
| Return on assets (ROA) | 1.0053% | 2,252 |
| Pretax return on assets | 1.0053% | 3,095 |
| Return on Equity (ROE) | 7.1262% | 3,243 |
| Retained earnings to average equity (ytd only) | 7.1262% | 1,783 |
| Net charge-offs to loans | 0.3281% | 3,683 |
| Credit loss provision to net charge-offs | 145.7286% | 2,717 |
| Earnings coverage of net charge-offs (x) | 5.0452% | 2,766 |
| Efficiency ratio | 57.4468% | 6,461 |
| Assets per employee ($millions) | 6.3730% | 1,015 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0442% | 6,212 |
| Loan loss allowance to noncurrent loans | 214.8464% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.4707% | 6,270 |
| Noncurrent loans to loans | 0.4860% | 6,276 |
| Net loans and leases to total assets | 81.3938% | 616 |
| Net loans and leases to deposits | 115.7332% | 180 |
| Net loans and leases to core deposits | 121.1485% | 661 |
| Total domestic deposits to total assets | 70.3288% | 7,306 |
| Equity capital to assets | 13.9282% | 1,191 |
| Core capital (leverage) ratio | 11.1064% | 2,162 |
| Tier 1 risk-based capital ratio | 14.9080% | 3,203 |
| Total risk-based capital ratio | 17.5174% | 2,518 |
| Memoranda: | ||
| Average total assets | $142,040,670 | 4,093 |
| Average earning assets | $128,518,000 | 4,122 |
| Average equity | $20,038,670 | 3,166 |
| Average total loans | $121,296,000 | 3,382 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9878% | 1,005 |
| Cost of funding earning assets | 2.3655% | 340 |
| Net interest margin | 3.6223% | 4,611 |
| Noninterest income to average assets | 0.1173% | 7,108 |
| Noninterest expense to average assets | 2.0863% | 6,984 |
| Loan and lease loss provision to assets | 0.4007% | 2,969 |
| Net operating income to assets | 0.8471% | 2,761 |
| Return on assets (ROA) | 0.8471% | 2,855 |
| Pretax return on assets | 0.8471% | 3,682 |
| Return on Equity (ROE) | 5.9647% | 3,897 |
| Retained earnings to average equity (ytd only) | 5.9647% | 2,636 |
| Net charge-offs to loans | 0.6576% | 2,179 |
| Credit loss provision to net charge-offs | 70.0000% | 4,100 |
| Earnings coverage of net charge-offs (x) | 2.1800% | 3,446 |
| Efficiency ratio | 61.0300% | 5,999 |
| Assets per employee ($millions) | 6.2499% | 1,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9150% | 6,794 |
| Loan loss allowance to noncurrent loans | 286.3049% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.3297% | 6,656 |
| Noncurrent loans to loans | 0.3196% | 6,661 |
| Net loans and leases to total assets | 83.4683% | 430 |
| Net loans and leases to deposits | 118.7337% | 152 |
| Net loans and leases to core deposits | 123.4010% | 661 |
| Total domestic deposits to total assets | 70.2987% | 7,392 |
| Equity capital to assets | 13.9118% | 1,171 |
| Core capital (leverage) ratio | 11.0205% | 2,219 |
| Tier 1 risk-based capital ratio | 14.5336% | 3,356 |
| Total risk-based capital ratio | 17.0066% | 2,694 |
| Memoranda: | ||
| Average total assets | $139,771,000 | 4,199 |
| Average earning assets | $124,118,500 | 4,282 |
| Average equity | $19,850,000 | 3,218 |
| Average total loans | $121,661,000 | 3,435 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9786% | 1,948 |
| Cost of funding earning assets | 2.6854% | 617 |
| Net interest margin | 3.2932% | 5,774 |
| Noninterest income to average assets | 0.1607% | 6,922 |
| Noninterest expense to average assets | 2.0343% | 7,311 |
| Loan and lease loss provision to assets | 0.4397% | 4,193 |
| Net operating income to assets | 0.7027% | 2,924 |
| Return on assets (ROA) | 0.7377% | 2,862 |
| Pretax return on assets | 0.7377% | 3,448 |
| Return on Equity (ROE) | 5.4841% | 3,434 |
| Retained earnings to average equity (ytd only) | 5.4841% | 1,585 |
| Net charge-offs to loans | 0.2015% | 5,382 |
| Credit loss provision to net charge-offs | 244.7154% | 1,454 |
| Earnings coverage of net charge-offs (x) | 6.3577% | 2,382 |
| Efficiency ratio | 62.3822% | 6,080 |
| Assets per employee ($millions) | 5.6581% | 1,505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9556% | 6,608 |
| Loan loss allowance to noncurrent loans | 140.3846% | 2,040 |
| Noncurrent assets plus other real estate owned to assets | 0.6488% | 5,845 |
| Noncurrent loans to loans | 0.6807% | 5,877 |
| Net loans and leases to total assets | 89.1512% | 122 |
| Net loans and leases to deposits | 118.6778% | 193 |
| Net loans and leases to core deposits | 150.8862% | 493 |
| Total domestic deposits to total assets | 75.1204% | 6,843 |
| Equity capital to assets | 14.5087% | 1,020 |
| Core capital (leverage) ratio | 11.4525% | 1,942 |
| Tier 1 risk-based capital ratio | 14.3668% | 3,280 |
| Total risk-based capital ratio | 16.9196% | 2,594 |
| Memoranda: | ||
| Average total assets | $136,903,400 | 4,192 |
| Average earning assets | $125,380,400 | 4,185 |
| Average equity | $18,417,000 | 3,438 |
| Average total loans | $122,106,000 | 3,438 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9735% | 2,137 |
| Cost of funding earning assets | 2.7194% | 746 |
| Net interest margin | 3.2542% | 5,810 |
| Noninterest income to average assets | 0.1545% | 7,080 |
| Noninterest expense to average assets | 2.0099% | 7,363 |
| Loan and lease loss provision to assets | 0.4228% | 3,788 |
| Net operating income to assets | 0.7202% | 3,132 |
| Return on assets (ROA) | 0.7668% | 3,015 |
| Pretax return on assets | 0.7668% | 3,636 |
| Return on Equity (ROE) | 5.8134% | 3,603 |
| Retained earnings to average equity (ytd only) | 5.8134% | 2,038 |
| Net charge-offs to loans | 0.2283% | 4,629 |
| Credit loss provision to net charge-offs | 208.1340% | 2,123 |
| Earnings coverage of net charge-offs (x) | 5.6268% | 2,771 |
| Efficiency ratio | 62.0838% | 6,086 |
| Assets per employee ($millions) | 5.5940% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8724% | 6,876 |
| Loan loss allowance to noncurrent loans | 204.9310% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.4901% | 6,239 |
| Noncurrent loans to loans | 0.4257% | 6,483 |
| Net loans and leases to total assets | 87.9305% | 210 |
| Net loans and leases to deposits | 116.2398% | 268 |
| Net loans and leases to core deposits | 154.4900% | 486 |
| Total domestic deposits to total assets | 75.6458% | 6,650 |
| Equity capital to assets | 13.7655% | 1,392 |
| Core capital (leverage) ratio | 10.6343% | 2,681 |
| Tier 1 risk-based capital ratio | 13.4903% | 3,856 |
| Total risk-based capital ratio | 15.9765% | 3,118 |
| Memoranda: | ||
| Average total assets | $137,180,750 | 4,207 |
| Average earning assets | $126,399,500 | 4,200 |
| Average equity | $18,095,750 | 3,520 |
| Average total loans | $122,075,000 | 3,471 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9933% | 2,208 |
| Cost of funding earning assets | 2.7131% | 998 |
| Net interest margin | 3.2802% | 5,623 |
| Noninterest income to average assets | 0.1404% | 7,252 |
| Noninterest expense to average assets | 2.0528% | 7,372 |
| Loan and lease loss provision to assets | 0.4126% | 3,468 |
| Net operating income to assets | 0.7064% | 3,223 |
| Return on assets (ROA) | 0.7759% | 3,053 |
| Pretax return on assets | 0.7759% | 3,757 |
| Return on Equity (ROE) | 5.9664% | 3,665 |
| Retained earnings to average equity (ytd only) | 5.9664% | 2,038 |
| Net charge-offs to loans | 0.1398% | 4,771 |
| Credit loss provision to net charge-offs | 331.3953% | 1,406 |
| Earnings coverage of net charge-offs (x) | 8.9884% | 2,192 |
| Efficiency ratio | 63.0762% | 6,076 |
| Assets per employee ($millions) | 5.4447% | 1,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8433% | 7,004 |
| Loan loss allowance to noncurrent loans | 191.4773% | 1,578 |
| Noncurrent assets plus other real estate owned to assets | 0.4041% | 6,452 |
| Noncurrent loans to loans | 0.4404% | 6,419 |
| Net loans and leases to total assets | 90.9675% | 93 |
| Net loans and leases to deposits | 123.5835% | 185 |
| Net loans and leases to core deposits | 161.6553% | 427 |
| Total domestic deposits to total assets | 73.6082% | 7,021 |
| Equity capital to assets | 13.9493% | 1,332 |
| Core capital (leverage) ratio | 10.7253% | 2,633 |
| Tier 1 risk-based capital ratio | 13.1298% | 4,050 |
| Total risk-based capital ratio | 15.5703% | 3,279 |
| Memoranda: | ||
| Average total assets | $138,155,670 | 4,212 |
| Average earning assets | $127,676,000 | 4,187 |
| Average equity | $17,967,330 | 3,552 |
| Average total loans | $123,069,670 | 3,471 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8584% | 2,990 |
| Cost of funding earning assets | 2.6489% | 1,417 |
| Net interest margin | 3.2096% | 5,830 |
| Noninterest income to average assets | 0.0338% | 7,910 |
| Noninterest expense to average assets | 1.9563% | 7,435 |
| Loan and lease loss provision to assets | 0.3806% | 3,041 |
| Net operating income to assets | 0.6822% | 3,649 |
| Return on assets (ROA) | 0.8175% | 3,212 |
| Pretax return on assets | 0.8175% | 4,014 |
| Return on Equity (ROE) | 6.5033% | 3,815 |
| Retained earnings to average equity (ytd only) | 6.5033% | 2,415 |
| Net charge-offs to loans | 0.1027% | 4,149 |
| Credit loss provision to net charge-offs | 421.8750% | 1,255 |
| Earnings coverage of net charge-offs (x) | 11.7813% | 1,852 |
| Efficiency ratio | 63.1186% | 5,851 |
| Assets per employee ($millions) | 5.5280% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7377% | 7,344 |
| Loan loss allowance to noncurrent loans | 123.6486% | 2,537 |
| Noncurrent assets plus other real estate owned to assets | 0.5578% | 5,801 |
| Noncurrent loans to loans | 0.5966% | 5,901 |
| Net loans and leases to total assets | 92.8010% | 48 |
| Net loans and leases to deposits | 130.2303% | 145 |
| Net loans and leases to core deposits | 171.2559% | 325 |
| Total domestic deposits to total assets | 71.2592% | 7,303 |
| Equity capital to assets | 13.5537% | 1,514 |
| Core capital (leverage) ratio | 10.3550% | 3,063 |
| Tier 1 risk-based capital ratio | 12.9154% | 4,236 |
| Total risk-based capital ratio | 15.2698% | 3,498 |
| Memoranda: | ||
| Average total assets | $141,897,000 | 4,151 |
| Average earning assets | $131,980,500 | 4,108 |
| Average equity | $17,837,000 | 3,589 |
| Average total loans | $124,664,000 | 3,468 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1489% | 4,783 |
| Cost of funding earning assets | 3.2370% | 1,077 |
| Net interest margin | 2.9119% | 7,128 |
| Noninterest income to average assets | 0.0831% | 7,723 |
| Noninterest expense to average assets | 1.8484% | 7,694 |
| Loan and lease loss provision to assets | 0.2620% | 4,308 |
| Net operating income to assets | 0.6792% | 3,987 |
| Return on assets (ROA) | 0.7030% | 3,716 |
| Pretax return on assets | 0.7030% | 4,391 |
| Return on Equity (ROE) | 5.6430% | 4,097 |
| Retained earnings to average equity (ytd only) | 5.6430% | 1,693 |
| Net charge-offs to loans | 0.2601% | 3,680 |
| Credit loss provision to net charge-offs | 115.3595% | 4,683 |
| Earnings coverage of net charge-offs (x) | 4.1438% | 4,086 |
| Efficiency ratio | 65.1144% | 5,297 |
| Assets per employee ($millions) | 6.2968% | 991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6481% | 7,548 |
| Loan loss allowance to noncurrent loans | 211.4583% | 1,856 |
| Noncurrent assets plus other real estate owned to assets | 0.2541% | 6,560 |
| Noncurrent loans to loans | 0.3065% | 6,458 |
| Net loans and leases to total assets | 82.3705% | 1,159 |
| Net loans and leases to deposits | 102.2364% | 1,564 |
| Net loans and leases to core deposits | 121.3113% | 2,575 |
| Total domestic deposits to total assets | 80.5687% | 4,815 |
| Equity capital to assets | 11.7071% | 2,497 |
| Core capital (leverage) ratio | 8.8431% | 4,977 |
| Tier 1 risk-based capital ratio | 12.0801% | 4,758 |
| Total risk-based capital ratio | 14.2379% | 4,033 |
| Memoranda: | ||
| Average total assets | $134,708,400 | 4,193 |
| Average earning assets | $125,208,800 | 4,149 |
| Average equity | $16,781,800 | 3,778 |
| Average total loans | $117,659,800 | 3,512 |