Home > Frederick County Bank > Performance and Condition Ratios
Frederick County Bank, Performance and Condition Ratios
| 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 | 4.3800% | 3,302 |
| Cost of funding earning assets | 0.9042% | 2,169 |
| Net interest margin | 3.4758% | 3,521 |
| Noninterest income to average assets | 0.4568% | 2,966 |
| Noninterest expense to average assets | 2.9437% | 2,160 |
| Loan and lease loss provision to assets | -0.0454% | 5,011 |
| Net operating income to assets | 0.5570% | 4,273 |
| Return on assets (ROA) | 0.5570% | 4,329 |
| Pretax return on assets | 0.7728% | 4,037 |
| Return on Equity (ROE) | 5.4411% | 4,087 |
| Retained earnings to average equity (ytd only) | 4.5091% | 2,704 |
| Net charge-offs to loans | 0.0179% | 3,074 |
| Credit loss provision to net charge-offs | -322.5806% | 4,365 |
| Earnings coverage of net charge-offs (x) | 51.6452% | 1,103 |
| Efficiency ratio | 80.1869% | 926 |
| Assets per employee ($millions) | 6.6775% | 1,192 |
| Cash dividends to net income (ytd only)* | 17.1289% | 3,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9095% | 3,918 |
| Loan loss allowance to noncurrent loans | 172.2373% | 2,349 |
| Noncurrent assets plus other real estate owned to assets | 0.5301% | 2,304 |
| Noncurrent loans to loans | 0.5280% | 2,598 |
| Net loans and leases to total assets | 79.4255% | 867 |
| Net loans and leases to deposits | 92.1441% | 1,350 |
| Net loans and leases to core deposits | 102.6040% | 1,348 |
| Total domestic deposits to total assets | 86.1970% | 1,984 |
| Equity capital to assets | 10.6489% | 3,311 |
| Core capital (leverage) ratio | 10.3410% | 3,146 |
| Tier 1 risk-based capital ratio | 11.9366% | 4,397 |
| Total risk-based capital ratio | 12.7558% | 4,505 |
| Memoranda: | ||
| Average total assets | $440,222,200 | 1,598 |
| Average earning assets | $407,099,400 | 1,593 |
| Average equity | $45,064,200 | 1,754 |
| Average total loans | $345,791,000 | 1,437 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3728% | 3,441 |
| Cost of funding earning assets | 0.9015% | 2,228 |
| Net interest margin | 3.4712% | 3,658 |
| Noninterest income to average assets | 0.4162% | 3,222 |
| Noninterest expense to average assets | 2.8621% | 2,368 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.5529% | 4,400 |
| Return on assets (ROA) | 0.5529% | 4,454 |
| Pretax return on assets | 0.7639% | 4,203 |
| Return on Equity (ROE) | 5.4553% | 4,201 |
| Retained earnings to average equity (ytd only) | 4.2046% | 3,296 |
| Net charge-offs to loans | 0.0120% | 2,933 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | 81.6496% | 853 |
| Efficiency ratio | 78.9329% | 1,024 |
| Assets per employee ($millions) | 6.6491% | 1,190 |
| Cash dividends to net income (ytd only)* | 22.9259% | 2,917 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9797% | 3,686 |
| Loan loss allowance to noncurrent loans | 152.5843% | 2,573 |
| Noncurrent assets plus other real estate owned to assets | 0.4921% | 2,560 |
| Noncurrent loans to loans | 0.6421% | 2,360 |
| Net loans and leases to total assets | 75.8928% | 1,502 |
| Net loans and leases to deposits | 89.8144% | 1,722 |
| Net loans and leases to core deposits | 101.9136% | 1,509 |
| Total domestic deposits to total assets | 84.4996% | 2,631 |
| Equity capital to assets | 10.0833% | 3,937 |
| Core capital (leverage) ratio | 10.1464% | 3,482 |
| Tier 1 risk-based capital ratio | 11.6421% | 4,594 |
| Total risk-based capital ratio | 12.5111% | 4,683 |
| Memoranda: | ||
| Average total assets | $441,768,500 | 1,589 |
| Average earning assets | $408,489,000 | 1,597 |
| Average equity | $44,775,250 | 1,767 |
| Average total loans | $345,263,750 | 1,447 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3222% | 3,573 |
| Cost of funding earning assets | 0.8701% | 2,301 |
| Net interest margin | 3.4521% | 3,738 |
| Noninterest income to average assets | 0.3710% | 3,459 |
| Noninterest expense to average assets | 2.7871% | 2,638 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5923% | 4,326 |
| Return on assets (ROA) | 0.5923% | 4,362 |
| Pretax return on assets | 0.7757% | 4,150 |
| Return on Equity (ROE) | 5.8333% | 4,104 |
| Retained earnings to average equity (ytd only) | 4.5749% | 2,989 |
| Net charge-offs to loans | -0.0354% | 4,731 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2275% | 1,120 |
| Assets per employee ($millions) | 6.4975% | 1,240 |
| Cash dividends to net income (ytd only)* | 21.5716% | 2,968 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9890% | 3,688 |
| Loan loss allowance to noncurrent loans | 144.8090% | 2,703 |
| Noncurrent assets plus other real estate owned to assets | 0.5734% | 2,291 |
| Noncurrent loans to loans | 0.6830% | 2,270 |
| Net loans and leases to total assets | 76.7543% | 1,428 |
| Net loans and leases to deposits | 90.5685% | 1,677 |
| Net loans and leases to core deposits | 101.9017% | 1,564 |
| Total domestic deposits to total assets | 84.7472% | 2,580 |
| Equity capital to assets | 9.9301% | 4,026 |
| Core capital (leverage) ratio | 10.1699% | 3,416 |
| Tier 1 risk-based capital ratio | 11.4118% | 4,729 |
| Total risk-based capital ratio | 12.2944% | 4,806 |
| Memoranda: | ||
| Average total assets | $438,310,670 | 1,597 |
| Average earning assets | $405,259,000 | 1,612 |
| Average equity | $44,503,330 | 1,774 |
| Average total loans | $344,839,000 | 1,456 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4200% | 3,148 |
| Cost of funding earning assets | 0.8262% | 2,389 |
| Net interest margin | 3.5939% | 3,270 |
| Noninterest income to average assets | 0.3432% | 3,569 |
| Noninterest expense to average assets | 2.6880% | 2,946 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.7311% | 3,842 |
| Return on assets (ROA) | 0.7311% | 3,888 |
| Pretax return on assets | 0.9729% | 3,529 |
| Return on Equity (ROE) | 7.1176% | 3,632 |
| Retained earnings to average equity (ytd only) | 5.8498% | 2,523 |
| Net charge-offs to loans | -0.0094% | 4,207 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.4248% | 1,823 |
| Assets per employee ($millions) | 6.3139% | 1,345 |
| Cash dividends to net income (ytd only)* | 17.8117% | 2,515 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0035% | 3,683 |
| Loan loss allowance to noncurrent loans | 715.4167% | 796 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 3,868 |
| Noncurrent loans to loans | 0.1403% | 4,112 |
| Net loans and leases to total assets | 76.6490% | 1,373 |
| Net loans and leases to deposits | 90.8006% | 1,527 |
| Net loans and leases to core deposits | 103.2962% | 1,366 |
| Total domestic deposits to total assets | 84.4146% | 2,891 |
| Equity capital to assets | 10.0821% | 3,736 |
| Core capital (leverage) ratio | 10.4918% | 3,060 |
| Tier 1 risk-based capital ratio | 11.4958% | 4,746 |
| Total risk-based capital ratio | 12.3786% | 4,832 |
| Memoranda: | ||
| Average total assets | $430,052,000 | 1,635 |
| Average earning assets | $397,010,000 | 1,651 |
| Average equity | $44,172,500 | 1,773 |
| Average total loans | $340,965,000 | 1,478 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3931% | 2,787 |
| Cost of funding earning assets | 0.6094% | 2,649 |
| Net interest margin | 3.7837% | 2,731 |
| Noninterest income to average assets | 0.3812% | 3,547 |
| Noninterest expense to average assets | 2.9021% | 2,346 |
| Loan and lease loss provision to assets | -0.1058% | 5,275 |
| Net operating income to assets | 0.8150% | 3,749 |
| Return on assets (ROA) | 0.8150% | 3,749 |
| Pretax return on assets | 1.0924% | 3,299 |
| Return on Equity (ROE) | 8.0404% | 3,418 |
| Retained earnings to average equity (ytd only) | 6.6712% | 1,833 |
| Net charge-offs to loans | -0.1834% | 5,255 |
| Credit loss provision to net charge-offs | 73.3002% | 2,952 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6293% | 1,548 |
| Assets per employee ($millions) | 5.9733% | 1,539 |
| Cash dividends to net income (ytd only)* | 17.0288% | 3,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0085% | 3,629 |
| Loan loss allowance to noncurrent loans | 694.9290% | 819 |
| Noncurrent assets plus other real estate owned to assets | 0.2040% | 3,805 |
| Noncurrent loans to loans | 0.1451% | 4,090 |
| Net loans and leases to total assets | 80.4299% | 874 |
| Net loans and leases to deposits | 95.1972% | 1,154 |
| Net loans and leases to core deposits | 109.6099% | 1,028 |
| Total domestic deposits to total assets | 84.4877% | 2,841 |
| Equity capital to assets | 10.4716% | 3,218 |
| Core capital (leverage) ratio | 10.3679% | 3,177 |
| Tier 1 risk-based capital ratio | 11.6253% | 4,654 |
| Total risk-based capital ratio | 12.5291% | 4,741 |
| Memoranda: | ||
| Average total assets | $417,905,200 | 1,640 |
| Average earning assets | $387,401,800 | 1,634 |
| Average equity | $42,361,000 | 1,767 |
| Average total loans | $328,728,000 | 1,485 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3489% | 2,796 |
| Cost of funding earning assets | 0.5827% | 2,609 |
| Net interest margin | 3.7663% | 2,765 |
| Noninterest income to average assets | 0.3366% | 3,909 |
| Noninterest expense to average assets | 2.8995% | 2,307 |
| Loan and lease loss provision to assets | -0.1634% | 5,388 |
| Net operating income to assets | 0.8111% | 3,867 |
| Return on assets (ROA) | 0.8111% | 3,876 |
| Pretax return on assets | 1.0903% | 3,437 |
| Return on Equity (ROE) | 8.0687% | 3,516 |
| Retained earnings to average equity (ytd only) | 6.6721% | 2,294 |
| Net charge-offs to loans | -0.2397% | 5,328 |
| Credit loss provision to net charge-offs | 87.3720% | 2,450 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.7755% | 1,377 |
| Assets per employee ($millions) | 5.7124% | 1,721 |
| Cash dividends to net income (ytd only)* | 17.3091% | 3,113 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0130% | 3,679 |
| Loan loss allowance to noncurrent loans | 465.0418% | 1,162 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 3,677 |
| Noncurrent loans to loans | 0.2178% | 3,927 |
| Net loans and leases to total assets | 77.1872% | 1,472 |
| Net loans and leases to deposits | 91.0916% | 1,744 |
| Net loans and leases to core deposits | 102.6535% | 1,549 |
| Total domestic deposits to total assets | 84.7358% | 2,706 |
| Equity capital to assets | 10.1316% | 3,508 |
| Core capital (leverage) ratio | 10.1680% | 3,446 |
| Tier 1 risk-based capital ratio | 11.7294% | 4,643 |
| Total risk-based capital ratio | 12.6329% | 4,740 |
| Memoranda: | ||
| Average total assets | $417,848,500 | 1,644 |
| Average earning assets | $387,182,250 | 1,643 |
| Average equity | $42,005,000 | 1,785 |
| Average total loans | $325,977,750 | 1,503 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3316% | 2,658 |
| Cost of funding earning assets | 0.5598% | 2,522 |
| Net interest margin | 3.7718% | 2,662 |
| Noninterest income to average assets | 0.3565% | 3,775 |
| Noninterest expense to average assets | 2.8566% | 2,479 |
| Loan and lease loss provision to assets | -0.2460% | 5,483 |
| Net operating income to assets | 0.9211% | 3,363 |
| Return on assets (ROA) | 0.9211% | 3,365 |
| Pretax return on assets | 1.2426% | 2,755 |
| Return on Equity (ROE) | 9.1875% | 2,936 |
| Retained earnings to average equity (ytd only) | 7.7497% | 1,729 |
| Net charge-offs to loans | -0.3572% | 5,401 |
| Credit loss provision to net charge-offs | 88.2759% | 2,179 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1364% | 1,690 |
| Assets per employee ($millions) | 6.0608% | 1,420 |
| Cash dividends to net income (ytd only)* | 15.6495% | 3,135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0213% | 3,710 |
| Loan loss allowance to noncurrent loans | 259.5794% | 1,848 |
| Noncurrent assets plus other real estate owned to assets | 0.3875% | 3,195 |
| Noncurrent loans to loans | 0.3934% | 3,282 |
| Net loans and leases to total assets | 76.1362% | 1,614 |
| Net loans and leases to deposits | 90.8314% | 1,730 |
| Net loans and leases to core deposits | 101.6986% | 1,582 |
| Total domestic deposits to total assets | 83.8215% | 3,125 |
| Equity capital to assets | 10.0001% | 3,617 |
| Core capital (leverage) ratio | 10.1515% | 3,416 |
| Tier 1 risk-based capital ratio | 11.8362% | 4,599 |
| Total risk-based capital ratio | 12.7566% | 4,681 |
| Memoranda: | ||
| Average total assets | $416,226,330 | 1,655 |
| Average earning assets | $385,865,330 | 1,654 |
| Average equity | $41,730,670 | 1,801 |
| Average total loans | $324,763,330 | 1,503 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3049% | 2,495 |
| Cost of funding earning assets | 0.5357% | 2,506 |
| Net interest margin | 3.7691% | 2,550 |
| Noninterest income to average assets | 0.3464% | 3,824 |
| Noninterest expense to average assets | 2.7141% | 2,999 |
| Loan and lease loss provision to assets | -0.1407% | 5,526 |
| Net operating income to assets | 0.9345% | 3,135 |
| Return on assets (ROA) | 0.9345% | 3,155 |
| Pretax return on assets | 1.2615% | 2,512 |
| Return on Equity (ROE) | 9.3082% | 2,763 |
| Retained earnings to average equity (ytd only) | 8.0999% | 1,800 |
| Net charge-offs to loans | -0.6334% | 5,511 |
| Credit loss provision to net charge-offs | 28.2651% | 2,082 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7743% | 2,379 |
| Assets per employee ($millions) | 6.0037% | 1,512 |
| Cash dividends to net income (ytd only)* | 12.9803% | 2,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1151% | 3,291 |
| Loan loss allowance to noncurrent loans | 98.1892% | 3,486 |
| Noncurrent assets plus other real estate owned to assets | 1.0484% | 1,496 |
| Noncurrent loans to loans | 1.1357% | 1,614 |
| Net loans and leases to total assets | 76.6570% | 1,433 |
| Net loans and leases to deposits | 92.7132% | 1,365 |
| Net loans and leases to core deposits | 104.2681% | 1,357 |
| Total domestic deposits to total assets | 82.6818% | 3,762 |
| Equity capital to assets | 9.9134% | 3,683 |
| Core capital (leverage) ratio | 10.2489% | 3,242 |
| Tier 1 risk-based capital ratio | 11.3729% | 4,938 |
| Total risk-based capital ratio | 12.3547% | 4,978 |
| Memoranda: | ||
| Average total assets | $412,212,500 | 1,677 |
| Average earning assets | $381,522,000 | 1,691 |
| Average equity | $41,383,000 | 1,819 |
| Average total loans | $323,973,000 | 1,508 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1276% | 2,961 |
| Cost of funding earning assets | 0.3963% | 3,290 |
| Net interest margin | 3.7312% | 2,670 |
| Noninterest income to average assets | 0.3676% | 3,838 |
| Noninterest expense to average assets | 2.7659% | 2,901 |
| Loan and lease loss provision to assets | 0.1633% | 1,361 |
| Net operating income to assets | 0.5010% | 4,376 |
| Return on assets (ROA) | 0.5010% | 4,410 |
| Pretax return on assets | 0.8893% | 3,949 |
| Return on Equity (ROE) | 4.9120% | 4,199 |
| Retained earnings to average equity (ytd only) | 3.7454% | 2,982 |
| Net charge-offs to loans | 0.3589% | 706 |
| Credit loss provision to net charge-offs | 57.3843% | 3,242 |
| Earnings coverage of net charge-offs (x) | 3.6993% | 3,571 |
| Efficiency ratio | 72.4344% | 2,157 |
| Assets per employee ($millions) | 5.6134% | 1,833 |
| Cash dividends to net income (ytd only)* | 23.7494% | 3,545 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0135% | 3,857 |
| Loan loss allowance to noncurrent loans | 86.9507% | 3,774 |
| Noncurrent assets plus other real estate owned to assets | 1.2418% | 1,178 |
| Noncurrent loans to loans | 1.1656% | 1,523 |
| Net loans and leases to total assets | 78.9008% | 1,137 |
| Net loans and leases to deposits | 95.9391% | 1,099 |
| Net loans and leases to core deposits | 107.7211% | 1,152 |
| Total domestic deposits to total assets | 82.2405% | 3,806 |
| Equity capital to assets | 10.1701% | 3,523 |
| Core capital (leverage) ratio | 10.4532% | 2,899 |
| Tier 1 risk-based capital ratio | 11.1889% | 5,043 |
| Total risk-based capital ratio | 12.0746% | 5,133 |
| Memoranda: | ||
| Average total assets | $395,028,800 | 1,723 |
| Average earning assets | $365,347,600 | 1,733 |
| Average equity | $40,289,400 | 1,852 |
| Average total loans | $313,206,800 | 1,519 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1272% | 2,889 |
| Cost of funding earning assets | 0.3820% | 3,358 |
| Net interest margin | 3.7452% | 2,594 |
| Noninterest income to average assets | 0.4162% | 3,581 |
| Noninterest expense to average assets | 2.8187% | 2,665 |
| Loan and lease loss provision to assets | 0.1236% | 1,752 |
| Net operating income to assets | 0.6141% | 4,337 |
| Return on assets (ROA) | 0.6141% | 4,383 |
| Pretax return on assets | 0.9417% | 3,892 |
| Return on Equity (ROE) | 6.0170% | 4,118 |
| Retained earnings to average equity (ytd only) | 5.2852% | 2,701 |
| Net charge-offs to loans | 0.0176% | 3,150 |
| Credit loss provision to net charge-offs | 887.8049% | 399 |
| Earnings coverage of net charge-offs (x) | 76.5301% | 841 |
| Efficiency ratio | 72.5723% | 2,123 |
| Assets per employee ($millions) | 5.4218% | 1,998 |
| Cash dividends to net income (ytd only)* | 12.1616% | 3,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2838% | 2,441 |
| Loan loss allowance to noncurrent loans | 70.7797% | 4,111 |
| Noncurrent assets plus other real estate owned to assets | 1.6301% | 900 |
| Noncurrent loans to loans | 1.8138% | 981 |
| Net loans and leases to total assets | 79.0130% | 1,123 |
| Net loans and leases to deposits | 93.7243% | 1,330 |
| Net loans and leases to core deposits | 102.8200% | 1,480 |
| Total domestic deposits to total assets | 84.3037% | 2,994 |
| Equity capital to assets | 10.4315% | 3,442 |
| Core capital (leverage) ratio | 10.3431% | 3,151 |
| Tier 1 risk-based capital ratio | 11.3711% | 5,037 |
| Total risk-based capital ratio | 12.4909% | 5,011 |
| Memoranda: | ||
| Average total assets | $392,744,250 | 1,747 |
| Average earning assets | $363,657,000 | 1,750 |
| Average equity | $40,085,750 | 1,871 |
| Average total loans | $310,969,500 | 1,529 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0862% | 2,872 |
| Cost of funding earning assets | 0.3690% | 3,392 |
| Net interest margin | 3.7172% | 2,593 |
| Noninterest income to average assets | 0.3130% | 4,298 |
| Noninterest expense to average assets | 2.8295% | 2,649 |
| Loan and lease loss provision to assets | 0.1384% | 1,491 |
| Net operating income to assets | 0.5228% | 4,639 |
| Return on assets (ROA) | 0.5228% | 4,671 |
| Pretax return on assets | 0.7909% | 4,303 |
| Return on Equity (ROE) | 5.1606% | 4,412 |
| Retained earnings to average equity (ytd only) | 4.0519% | 3,294 |
| Net charge-offs to loans | 0.0349% | 2,490 |
| Credit loss provision to net charge-offs | 501.8519% | 655 |
| Earnings coverage of net charge-offs (x) | 33.7037% | 1,382 |
| Efficiency ratio | 75.2785% | 1,821 |
| Assets per employee ($millions) | 5.4677% | 1,903 |
| Cash dividends to net income (ytd only)* | 21.4844% | 3,056 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2805% | 2,509 |
| Loan loss allowance to noncurrent loans | 65.4819% | 4,258 |
| Noncurrent assets plus other real estate owned to assets | 1.6695% | 878 |
| Noncurrent loans to loans | 1.9555% | 871 |
| Net loans and leases to total assets | 75.4726% | 1,617 |
| Net loans and leases to deposits | 87.6837% | 2,027 |
| Net loans and leases to core deposits | 98.6273% | 1,753 |
| Total domestic deposits to total assets | 86.0737% | 2,352 |
| Equity capital to assets | 10.0168% | 3,891 |
| Core capital (leverage) ratio | 10.1041% | 3,401 |
| Tier 1 risk-based capital ratio | 11.3840% | 5,028 |
| Total risk-based capital ratio | 12.4969% | 5,003 |
| Memoranda: | ||
| Average total assets | $391,728,000 | 1,755 |
| Average earning assets | $363,121,330 | 1,751 |
| Average equity | $39,685,330 | 1,884 |
| Average total loans | $309,027,670 | 1,533 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0162% | 2,974 |
| Cost of funding earning assets | 0.3519% | 3,507 |
| Net interest margin | 3.6644% | 2,633 |
| Noninterest income to average assets | 0.2398% | 4,821 |
| Noninterest expense to average assets | 2.7927% | 2,821 |
| Loan and lease loss provision to assets | 0.1848% | 923 |
| Net operating income to assets | 0.4423% | 4,805 |
| Return on assets (ROA) | 0.4423% | 4,829 |
| Pretax return on assets | 0.6572% | 4,574 |
| Return on Equity (ROE) | 4.3399% | 4,651 |
| Retained earnings to average equity (ytd only) | 3.2193% | 3,820 |
| Net charge-offs to loans | 0.1295% | 1,141 |
| Credit loss provision to net charge-offs | 178.0000% | 1,096 |
| Earnings coverage of net charge-offs (x) | 8.1100% | 2,085 |
| Efficiency ratio | 76.8352% | 1,778 |
| Assets per employee ($millions) | 5.3230% | 2,050 |
| Cash dividends to net income (ytd only)* | 25.8216% | 2,402 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2283% | 2,949 |
| Loan loss allowance to noncurrent loans | 57.7341% | 4,482 |
| Noncurrent assets plus other real estate owned to assets | 1.8599% | 748 |
| Noncurrent loans to loans | 2.1276% | 817 |
| Net loans and leases to total assets | 78.0228% | 1,133 |
| Net loans and leases to deposits | 92.2902% | 1,298 |
| Net loans and leases to core deposits | 106.0654% | 1,093 |
| Total domestic deposits to total assets | 84.5407% | 3,282 |
| Equity capital to assets | 10.1432% | 3,581 |
| Core capital (leverage) ratio | 10.4827% | 2,925 |
| Tier 1 risk-based capital ratio | 11.2189% | 5,193 |
| Total risk-based capital ratio | 12.2900% | 5,193 |
| Memoranda: | ||
| Average total assets | $385,287,500 | 1,792 |
| Average earning assets | $356,951,500 | 1,791 |
| Average equity | $39,263,500 | 1,898 |
| Average total loans | $308,876,500 | 1,537 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0453% | 3,044 |
| Cost of funding earning assets | 0.3456% | 3,572 |
| Net interest margin | 3.6997% | 2,694 |
| Noninterest income to average assets | 0.3281% | 4,392 |
| Noninterest expense to average assets | 2.9815% | 2,399 |
| Loan and lease loss provision to assets | 0.2311% | 937 |
| Net operating income to assets | 0.3874% | 4,983 |
| Return on assets (ROA) | 0.3972% | 5,033 |
| Pretax return on assets | 0.5692% | 4,874 |
| Return on Equity (ROE) | 3.9268% | 4,861 |
| Retained earnings to average equity (ytd only) | 2.7442% | 3,948 |
| Net charge-offs to loans | 0.0580% | 2,888 |
| Credit loss provision to net charge-offs | 500.0000% | 661 |
| Earnings coverage of net charge-offs (x) | 17.0176% | 2,076 |
| Efficiency ratio | 79.1285% | 1,537 |
| Assets per employee ($millions) | 5.0223% | 2,369 |
| Cash dividends to net income (ytd only)* | 30.1164% | 3,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2211% | 2,996 |
| Loan loss allowance to noncurrent loans | 60.6512% | 4,435 |
| Noncurrent assets plus other real estate owned to assets | 1.8687% | 771 |
| Noncurrent loans to loans | 2.0134% | 891 |
| Net loans and leases to total assets | 80.4022% | 828 |
| Net loans and leases to deposits | 93.9799% | 1,193 |
| Net loans and leases to core deposits | 110.1519% | 890 |
| Total domestic deposits to total assets | 85.5525% | 2,809 |
| Equity capital to assets | 10.2404% | 3,456 |
| Core capital (leverage) ratio | 10.2344% | 3,187 |
| Tier 1 risk-based capital ratio | 10.9491% | 5,368 |
| Total risk-based capital ratio | 12.0081% | 5,355 |
| Memoranda: | ||
| Average total assets | $367,867,000 | 1,819 |
| Average earning assets | $342,024,400 | 1,814 |
| Average equity | $37,205,400 | 1,966 |
| Average total loans | $293,067,600 | 1,553 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0500% | 3,036 |
| Cost of funding earning assets | 0.3502% | 3,536 |
| Net interest margin | 3.6998% | 2,720 |
| Noninterest income to average assets | 0.2881% | 4,713 |
| Noninterest expense to average assets | 2.9899% | 2,349 |
| Loan and lease loss provision to assets | 0.0912% | 2,407 |
| Net operating income to assets | 0.4473% | 4,880 |
| Return on assets (ROA) | 0.4602% | 4,917 |
| Pretax return on assets | 0.6691% | 4,689 |
| Return on Equity (ROE) | 4.5645% | 4,694 |
| Retained earnings to average equity (ytd only) | 3.3709% | 3,880 |
| Net charge-offs to loans | 0.0833% | 2,134 |
| Credit loss provision to net charge-offs | 138.1215% | 1,886 |
| Earnings coverage of net charge-offs (x) | 11.2374% | 2,508 |
| Efficiency ratio | 80.1251% | 1,425 |
| Assets per employee ($millions) | 5.1574% | 2,177 |
| Cash dividends to net income (ytd only)* | 26.1491% | 2,975 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0470% | 4,143 |
| Loan loss allowance to noncurrent loans | 49.5493% | 4,742 |
| Noncurrent assets plus other real estate owned to assets | 1.8417% | 886 |
| Noncurrent loans to loans | 2.1130% | 907 |
| Net loans and leases to total assets | 77.5852% | 1,268 |
| Net loans and leases to deposits | 90.5727% | 1,686 |
| Net loans and leases to core deposits | 105.3762% | 1,242 |
| Total domestic deposits to total assets | 85.6606% | 2,532 |
| Equity capital to assets | 10.1457% | 3,987 |
| Core capital (leverage) ratio | 10.4422% | 3,052 |
| Tier 1 risk-based capital ratio | 11.4547% | 5,116 |
| Total risk-based capital ratio | 12.3839% | 5,210 |
| Memoranda: | ||
| Average total assets | $365,665,000 | 1,836 |
| Average earning assets | $340,337,750 | 1,828 |
| Average equity | $36,863,500 | 1,996 |
| Average total loans | $289,684,750 | 1,570 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0609% | 3,023 |
| Cost of funding earning assets | 0.3568% | 3,493 |
| Net interest margin | 3.7041% | 2,683 |
| Noninterest income to average assets | 0.2636% | 4,897 |
| Noninterest expense to average assets | 3.0305% | 2,251 |
| Loan and lease loss provision to assets | 0.1110% | 2,021 |
| Net operating income to assets | 0.4009% | 5,025 |
| Return on assets (ROA) | 0.4207% | 5,058 |
| Pretax return on assets | 0.6022% | 4,879 |
| Return on Equity (ROE) | 4.1827% | 4,844 |
| Retained earnings to average equity (ytd only) | 2.9687% | 4,024 |
| Net charge-offs to loans | 0.1340% | 1,527 |
| Credit loss provision to net charge-offs | 104.1667% | 2,036 |
| Earnings coverage of net charge-offs (x) | 6.4271% | 2,744 |
| Efficiency ratio | 81.5656% | 1,322 |
| Assets per employee ($millions) | 4.9990% | 2,297 |
| Cash dividends to net income (ytd only)* | 29.0237% | 2,877 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0416% | 4,274 |
| Loan loss allowance to noncurrent loans | 46.0432% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 1.9945% | 824 |
| Noncurrent loans to loans | 2.2622% | 816 |
| Net loans and leases to total assets | 78.8992% | 1,080 |
| Net loans and leases to deposits | 91.9698% | 1,521 |
| Net loans and leases to core deposits | 106.9223% | 1,109 |
| Total domestic deposits to total assets | 85.7882% | 2,527 |
| Equity capital to assets | 9.9010% | 4,341 |
| Core capital (leverage) ratio | 10.1499% | 3,384 |
| Tier 1 risk-based capital ratio | 11.0650% | 5,388 |
| Total risk-based capital ratio | 11.9960% | 5,473 |
| Memoranda: | ||
| Average total assets | $360,337,000 | 1,860 |
| Average earning assets | $335,787,670 | 1,850 |
| Average equity | $36,244,330 | 2,028 |
| Average total loans | $286,501,000 | 1,586 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0411% | 3,063 |
| Cost of funding earning assets | 0.3679% | 3,418 |
| Net interest margin | 3.6731% | 2,789 |
| Noninterest income to average assets | 0.2588% | 4,877 |
| Noninterest expense to average assets | 3.1490% | 1,959 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3848% | 5,042 |
| Return on assets (ROA) | 0.3848% | 5,115 |
| Pretax return on assets | 0.5468% | 4,958 |
| Return on Equity (ROE) | 3.7944% | 4,963 |
| Retained earnings to average equity (ytd only) | 2.5740% | 4,214 |
| Net charge-offs to loans | 0.0283% | 2,374 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 24.3000% | 1,336 |
| Efficiency ratio | 85.2055% | 1,046 |
| Assets per employee ($millions) | 5.0950% | 2,242 |
| Cash dividends to net income (ytd only)* | 32.1637% | 2,314 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0658% | 4,256 |
| Loan loss allowance to noncurrent loans | 82.3816% | 4,037 |
| Noncurrent assets plus other real estate owned to assets | 1.2166% | 1,793 |
| Noncurrent loans to loans | 1.2937% | 1,863 |
| Net loans and leases to total assets | 78.1128% | 1,086 |
| Net loans and leases to deposits | 91.3272% | 1,426 |
| Net loans and leases to core deposits | 107.4864% | 992 |
| Total domestic deposits to total assets | 85.5307% | 2,900 |
| Equity capital to assets | 10.0148% | 4,060 |
| Core capital (leverage) ratio | 10.2673% | 3,240 |
| Tier 1 risk-based capital ratio | 11.2781% | 5,356 |
| Total risk-based capital ratio | 12.2263% | 5,427 |
| Memoranda: | ||
| Average total assets | $355,543,500 | 1,886 |
| Average earning assets | $332,685,000 | 1,868 |
| Average equity | $36,053,500 | 2,031 |
| Average total loans | $282,282,000 | 1,608 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0053% | 3,290 |
| Cost of funding earning assets | 0.4189% | 2,954 |
| Net interest margin | 3.5864% | 3,187 |
| Noninterest income to average assets | 0.4739% | 3,506 |
| Noninterest expense to average assets | 2.9977% | 2,556 |
| Loan and lease loss provision to assets | -0.0507% | 5,750 |
| Net operating income to assets | 0.6014% | 4,259 |
| Return on assets (ROA) | 0.6204% | 4,273 |
| Pretax return on assets | 0.9145% | 3,785 |
| Return on Equity (ROE) | 6.2288% | 3,939 |
| Retained earnings to average equity (ytd only) | 4.9699% | 2,441 |
| Net charge-offs to loans | 0.0448% | 3,319 |
| Credit loss provision to net charge-offs | -148.3333% | 5,226 |
| Earnings coverage of net charge-offs (x) | 24.4417% | 1,675 |
| Efficiency ratio | 78.1966% | 1,937 |
| Assets per employee ($millions) | 4.9203% | 2,450 |
| Cash dividends to net income (ytd only)* | 20.2113% | 3,769 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0984% | 4,061 |
| Loan loss allowance to noncurrent loans | 141.8519% | 2,934 |
| Noncurrent assets plus other real estate owned to assets | 0.8204% | 2,624 |
| Noncurrent loans to loans | 0.7743% | 2,852 |
| Net loans and leases to total assets | 78.9733% | 997 |
| Net loans and leases to deposits | 92.6893% | 1,326 |
| Net loans and leases to core deposits | 104.7761% | 1,179 |
| Total domestic deposits to total assets | 85.2021% | 2,999 |
| Equity capital to assets | 10.2705% | 3,659 |
| Core capital (leverage) ratio | 10.1323% | 3,346 |
| Tier 1 risk-based capital ratio | 11.7285% | 5,114 |
| Total risk-based capital ratio | 12.7275% | 5,173 |
| Memoranda: | ||
| Average total assets | $350,905,400 | 1,866 |
| Average earning assets | $328,710,600 | 1,849 |
| Average equity | $34,950,400 | 2,036 |
| Average total loans | $268,008,600 | 1,628 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9660% | 3,477 |
| Cost of funding earning assets | 0.4196% | 3,014 |
| Net interest margin | 3.5464% | 3,355 |
| Noninterest income to average assets | 0.3966% | 4,109 |
| Noninterest expense to average assets | 3.0279% | 2,440 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.4810% | 4,854 |
| Return on assets (ROA) | 0.5071% | 4,852 |
| Pretax return on assets | 0.7291% | 4,575 |
| Return on Equity (ROE) | 5.1307% | 4,566 |
| Retained earnings to average equity (ytd only) | 3.8634% | 3,716 |
| Net charge-offs to loans | 0.1553% | 1,586 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 5.8997% | 3,135 |
| Efficiency ratio | 81.3999% | 1,478 |
| Assets per employee ($millions) | 4.9014% | 2,413 |
| Cash dividends to net income (ytd only)* | 24.7006% | 3,041 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 3,912 |
| Loan loss allowance to noncurrent loans | 121.7790% | 3,230 |
| Noncurrent assets plus other real estate owned to assets | 0.8980% | 2,629 |
| Noncurrent loans to loans | 0.9465% | 2,607 |
| Net loans and leases to total assets | 73.1780% | 1,871 |
| Net loans and leases to deposits | 85.3564% | 2,230 |
| Net loans and leases to core deposits | 97.7474% | 1,722 |
| Total domestic deposits to total assets | 85.7322% | 2,675 |
| Equity capital to assets | 9.8379% | 4,356 |
| Core capital (leverage) ratio | 10.0509% | 3,556 |
| Tier 1 risk-based capital ratio | 12.1155% | 5,015 |
| Total risk-based capital ratio | 13.1651% | 5,051 |
| Memoranda: | ||
| Average total assets | $351,296,500 | 1,874 |
| Average earning assets | $329,189,750 | 1,853 |
| Average equity | $34,718,250 | 2,070 |
| Average total loans | $265,273,250 | 1,654 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9847% | 3,359 |
| Cost of funding earning assets | 0.4219% | 3,020 |
| Net interest margin | 3.5628% | 3,237 |
| Noninterest income to average assets | 0.3953% | 4,110 |
| Noninterest expense to average assets | 3.0155% | 2,504 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.4980% | 4,776 |
| Return on assets (ROA) | 0.5253% | 4,768 |
| Pretax return on assets | 0.7573% | 4,464 |
| Return on Equity (ROE) | 5.3071% | 4,479 |
| Retained earnings to average equity (ytd only) | 4.0338% | 3,447 |
| Net charge-offs to loans | 0.1929% | 1,303 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 4.8945% | 2,982 |
| Efficiency ratio | 80.7734% | 1,650 |
| Assets per employee ($millions) | 4.8665% | 2,442 |
| Cash dividends to net income (ytd only)* | 23.9913% | 3,051 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 4,026 |
| Loan loss allowance to noncurrent loans | 166.7203% | 2,589 |
| Noncurrent assets plus other real estate owned to assets | 0.7232% | 3,217 |
| Noncurrent loans to loans | 0.6958% | 3,405 |
| Net loans and leases to total assets | 74.4997% | 1,584 |
| Net loans and leases to deposits | 86.8718% | 1,958 |
| Net loans and leases to core deposits | 95.3197% | 1,856 |
| Total domestic deposits to total assets | 85.7582% | 2,815 |
| Equity capital to assets | 9.7914% | 4,289 |
| Core capital (leverage) ratio | 10.1113% | 3,448 |
| Tier 1 risk-based capital ratio | 11.9974% | 5,153 |
| Total risk-based capital ratio | 13.0641% | 5,173 |
| Memoranda: | ||
| Average total assets | $349,129,000 | 1,898 |
| Average earning assets | $327,102,000 | 1,879 |
| Average equity | $34,557,670 | 2,087 |
| Average total loans | $265,403,330 | 1,657 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9536% | 3,404 |
| Cost of funding earning assets | 0.4259% | 3,007 |
| Net interest margin | 3.5278% | 3,310 |
| Noninterest income to average assets | 0.5201% | 3,149 |
| Noninterest expense to average assets | 3.0248% | 2,500 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.5456% | 4,490 |
| Return on assets (ROA) | 0.5999% | 4,388 |
| Pretax return on assets | 0.8784% | 3,971 |
| Return on Equity (ROE) | 6.0271% | 4,026 |
| Retained earnings to average equity (ytd only) | 4.7497% | 3,191 |
| Net charge-offs to loans | 0.2589% | 928 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 4.0409% | 2,538 |
| Efficiency ratio | 79.1112% | 2,017 |
| Assets per employee ($millions) | 5.0038% | 2,352 |
| Cash dividends to net income (ytd only)* | 21.1946% | 2,525 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2004% | 3,979 |
| Loan loss allowance to noncurrent loans | 115.3596% | 3,352 |
| Noncurrent assets plus other real estate owned to assets | 0.9918% | 2,641 |
| Noncurrent loans to loans | 1.0405% | 2,682 |
| Net loans and leases to total assets | 75.0074% | 1,355 |
| Net loans and leases to deposits | 89.1948% | 1,482 |
| Net loans and leases to core deposits | 98.0453% | 1,469 |
| Total domestic deposits to total assets | 84.0938% | 3,788 |
| Equity capital to assets | 9.8984% | 4,274 |
| Core capital (leverage) ratio | 10.1515% | 3,404 |
| Tier 1 risk-based capital ratio | 11.8233% | 5,356 |
| Total risk-based capital ratio | 12.9127% | 5,365 |
| Memoranda: | ||
| Average total assets | $346,068,000 | 1,920 |
| Average earning assets | $324,056,000 | 1,903 |
| Average equity | $34,444,500 | 2,102 |
| Average total loans | $264,221,500 | 1,658 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2034% | 2,945 |
| Cost of funding earning assets | 0.4792% | 2,884 |
| Net interest margin | 3.7242% | 2,906 |
| Noninterest income to average assets | 0.3413% | 4,661 |
| Noninterest expense to average assets | 2.9913% | 2,869 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.5706% | 4,507 |
| Return on assets (ROA) | 0.5706% | 4,588 |
| Pretax return on assets | 0.8340% | 4,131 |
| Return on Equity (ROE) | 5.6771% | 4,316 |
| Retained earnings to average equity (ytd only) | 4.3548% | 3,084 |
| Net charge-offs to loans | 0.0237% | 4,364 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 45.2623% | 996 |
| Efficiency ratio | 78.1980% | 2,186 |
| Assets per employee ($millions) | 4.8838% | 2,480 |
| Cash dividends to net income (ytd only)* | 23.2927% | 3,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2806% | 3,540 |
| Loan loss allowance to noncurrent loans | 91.2595% | 3,937 |
| Noncurrent assets plus other real estate owned to assets | 1.0776% | 2,591 |
| Noncurrent loans to loans | 1.4033% | 2,087 |
| Net loans and leases to total assets | 75.8077% | 1,295 |
| Net loans and leases to deposits | 90.3347% | 1,487 |
| Net loans and leases to core deposits | 101.2166% | 1,302 |
| Total domestic deposits to total assets | 83.9187% | 3,752 |
| Equity capital to assets | 10.0091% | 4,104 |
| Core capital (leverage) ratio | 10.1814% | 3,334 |
| Tier 1 risk-based capital ratio | 12.0091% | 5,361 |
| Total risk-based capital ratio | 13.1885% | 5,308 |
| Memoranda: | ||
| Average total assets | $331,065,200 | 1,961 |
| Average earning assets | $309,703,600 | 1,938 |
| Average equity | $33,273,800 | 2,090 |
| Average total loans | $257,168,400 | 1,653 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2233% | 2,915 |
| Cost of funding earning assets | 0.4877% | 2,884 |
| Net interest margin | 3.7356% | 2,869 |
| Noninterest income to average assets | 0.3330% | 4,776 |
| Noninterest expense to average assets | 2.9369% | 3,002 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.6034% | 4,434 |
| Return on assets (ROA) | 0.6034% | 4,522 |
| Pretax return on assets | 0.8888% | 4,036 |
| Return on Equity (ROE) | 5.9970% | 4,236 |
| Retained earnings to average equity (ytd only) | 4.6652% | 3,311 |
| Net charge-offs to loans | 0.0678% | 3,234 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 16.8383% | 1,941 |
| Efficiency ratio | 76.7671% | 2,376 |
| Assets per employee ($millions) | 4.6998% | 2,670 |
| Cash dividends to net income (ytd only)* | 22.2074% | 3,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2670% | 3,837 |
| Loan loss allowance to noncurrent loans | 96.9670% | 3,740 |
| Noncurrent assets plus other real estate owned to assets | 1.0177% | 2,921 |
| Noncurrent loans to loans | 1.3066% | 2,466 |
| Net loans and leases to total assets | 76.9024% | 1,107 |
| Net loans and leases to deposits | 92.0691% | 1,220 |
| Net loans and leases to core deposits | 101.6579% | 1,237 |
| Total domestic deposits to total assets | 83.5269% | 3,942 |
| Equity capital to assets | 10.1253% | 4,018 |
| Core capital (leverage) ratio | 10.1990% | 3,414 |
| Tier 1 risk-based capital ratio | 11.9990% | 5,484 |
| Total risk-based capital ratio | 13.1631% | 5,468 |
| Memoranda: | ||
| Average total assets | $328,364,250 | 1,985 |
| Average earning assets | $307,019,500 | 1,963 |
| Average equity | $33,037,750 | 2,109 |
| Average total loans | $255,829,250 | 1,662 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2137% | 2,903 |
| Cost of funding earning assets | 0.4875% | 2,952 |
| Net interest margin | 3.7262% | 2,855 |
| Noninterest income to average assets | 0.2419% | 5,462 |
| Noninterest expense to average assets | 2.8623% | 3,303 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.5891% | 4,410 |
| Return on assets (ROA) | 0.5891% | 4,504 |
| Pretax return on assets | 0.8622% | 4,028 |
| Return on Equity (ROE) | 5.8680% | 4,234 |
| Retained earnings to average equity (ytd only) | 4.5260% | 3,298 |
| Net charge-offs to loans | 0.0330% | 3,543 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 33.5238% | 1,180 |
| Efficiency ratio | 76.8497% | 2,481 |
| Assets per employee ($millions) | 5.0029% | 2,214 |
| Cash dividends to net income (ytd only)* | 22.8690% | 3,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3172% | 3,764 |
| Loan loss allowance to noncurrent loans | 88.6936% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 1.1545% | 2,769 |
| Noncurrent loans to loans | 1.4851% | 2,338 |
| Net loans and leases to total assets | 76.7115% | 1,083 |
| Net loans and leases to deposits | 91.7822% | 1,175 |
| Net loans and leases to core deposits | 101.1747% | 1,190 |
| Total domestic deposits to total assets | 83.5799% | 4,080 |
| Equity capital to assets | 10.0871% | 3,994 |
| Core capital (leverage) ratio | 10.1629% | 3,399 |
| Tier 1 risk-based capital ratio | 12.0184% | 5,532 |
| Total risk-based capital ratio | 13.2304% | 5,483 |
| Memoranda: | ||
| Average total assets | $326,589,330 | 1,993 |
| Average earning assets | $305,245,330 | 1,977 |
| Average equity | $32,788,000 | 2,114 |
| Average total loans | $254,469,670 | 1,668 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2506% | 2,689 |
| Cost of funding earning assets | 0.4891% | 3,020 |
| Net interest margin | 3.7615% | 2,631 |
| Noninterest income to average assets | 0.2636% | 5,252 |
| Noninterest expense to average assets | 2.7834% | 3,628 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6798% | 3,783 |
| Return on assets (ROA) | 0.6798% | 3,863 |
| Pretax return on assets | 0.9939% | 3,346 |
| Return on Equity (ROE) | 6.7879% | 3,591 |
| Retained earnings to average equity (ytd only) | 5.4352% | 2,826 |
| Net charge-offs to loans | 0.0631% | 2,525 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 20.1750% | 1,343 |
| Efficiency ratio | 73.6876% | 3,204 |
| Assets per employee ($millions) | 5.1193% | 2,102 |
| Cash dividends to net income (ytd only)* | 19.9275% | 2,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3385% | 3,914 |
| Loan loss allowance to noncurrent loans | 105.5521% | 3,480 |
| Noncurrent assets plus other real estate owned to assets | 1.0323% | 3,188 |
| Noncurrent loans to loans | 1.2681% | 2,912 |
| Net loans and leases to total assets | 74.9610% | 1,132 |
| Net loans and leases to deposits | 87.8125% | 1,378 |
| Net loans and leases to core deposits | 96.4127% | 1,356 |
| Total domestic deposits to total assets | 85.3648% | 3,690 |
| Equity capital to assets | 9.8746% | 3,986 |
| Core capital (leverage) ratio | 10.2167% | 3,269 |
| Tier 1 risk-based capital ratio | 12.0823% | 5,586 |
| Total risk-based capital ratio | 13.3128% | 5,535 |
| Memoranda: | ||
| Average total assets | $324,787,500 | 2,013 |
| Average earning assets | $303,392,500 | 1,996 |
| Average equity | $32,528,500 | 2,121 |
| Average total loans | $253,366,000 | 1,678 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2685% | 3,074 |
| Cost of funding earning assets | 0.5251% | 3,350 |
| Net interest margin | 3.7434% | 2,884 |
| Noninterest income to average assets | 0.2872% | 5,306 |
| Noninterest expense to average assets | 2.8236% | 3,639 |
| Loan and lease loss provision to assets | 0.0868% | 3,368 |
| Net operating income to assets | 0.6173% | 4,178 |
| Return on assets (ROA) | 0.6134% | 4,319 |
| Pretax return on assets | 0.8631% | 3,904 |
| Return on Equity (ROE) | 6.0887% | 4,040 |
| Retained earnings to average equity (ytd only) | 4.9455% | 2,630 |
| Net charge-offs to loans | 0.1768% | 3,061 |
| Credit loss provision to net charge-offs | 65.0118% | 3,426 |
| Earnings coverage of net charge-offs (x) | 7.1560% | 2,906 |
| Efficiency ratio | 74.7223% | 3,008 |
| Assets per employee ($millions) | 4.8003% | 2,446 |
| Cash dividends to net income (ytd only)* | 18.7757% | 3,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3481% | 3,901 |
| Loan loss allowance to noncurrent loans | 101.3022% | 3,580 |
| Noncurrent assets plus other real estate owned to assets | 1.1388% | 3,120 |
| Noncurrent loans to loans | 1.3308% | 2,910 |
| Net loans and leases to total assets | 79.0633% | 709 |
| Net loans and leases to deposits | 93.1484% | 944 |
| Net loans and leases to core deposits | 102.7622% | 987 |
| Total domestic deposits to total assets | 84.8789% | 3,809 |
| Equity capital to assets | 10.1631% | 3,553 |
| Core capital (leverage) ratio | 10.3644% | 3,067 |
| Tier 1 risk-based capital ratio | 11.8940% | 5,683 |
| Total risk-based capital ratio | 13.1358% | 5,625 |
| Memoranda: | ||
| Average total assets | $316,897,000 | 2,031 |
| Average earning assets | $295,586,200 | 2,004 |
| Average equity | $31,928,000 | 2,136 |
| Average total loans | $239,194,000 | 1,734 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2231% | 3,303 |
| Cost of funding earning assets | 0.5304% | 3,461 |
| Net interest margin | 3.6928% | 3,056 |
| Noninterest income to average assets | 0.2894% | 5,375 |
| Noninterest expense to average assets | 2.8204% | 3,593 |
| Loan and lease loss provision to assets | 0.0316% | 4,379 |
| Net operating income to assets | 0.6248% | 4,243 |
| Return on assets (ROA) | 0.6248% | 4,368 |
| Pretax return on assets | 0.8822% | 3,955 |
| Return on Equity (ROE) | 6.2145% | 4,068 |
| Retained earnings to average equity (ytd only) | 5.0846% | 3,017 |
| Net charge-offs to loans | 0.0062% | 5,051 |
| Credit loss provision to net charge-offs | 681.8182% | 427 |
| Earnings coverage of net charge-offs (x) | 197.4049% | 294 |
| Efficiency ratio | 75.5295% | 2,802 |
| Assets per employee ($millions) | 4.8473% | 2,373 |
| Cash dividends to net income (ytd only)* | 18.1818% | 3,157 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4754% | 3,562 |
| Loan loss allowance to noncurrent loans | 87.8019% | 3,822 |
| Noncurrent assets plus other real estate owned to assets | 1.3911% | 2,871 |
| Noncurrent loans to loans | 1.6804% | 2,672 |
| Net loans and leases to total assets | 77.0409% | 866 |
| Net loans and leases to deposits | 89.1317% | 1,255 |
| Net loans and leases to core deposits | 98.1950% | 1,230 |
| Total domestic deposits to total assets | 86.4349% | 3,001 |
| Equity capital to assets | 10.1269% | 3,737 |
| Core capital (leverage) ratio | 10.2334% | 3,354 |
| Tier 1 risk-based capital ratio | 11.9357% | 5,815 |
| Total risk-based capital ratio | 13.1867% | 5,753 |
| Memoranda: | ||
| Average total assets | $316,915,750 | 2,039 |
| Average earning assets | $295,634,250 | 2,009 |
| Average equity | $31,860,250 | 2,157 |
| Average total loans | $235,514,250 | 1,756 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1669% | 3,485 |
| Cost of funding earning assets | 0.5360% | 3,540 |
| Net interest margin | 3.6308% | 3,242 |
| Noninterest income to average assets | 0.2897% | 5,381 |
| Noninterest expense to average assets | 2.7594% | 3,819 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.6519% | 4,052 |
| Return on assets (ROA) | 0.6519% | 4,218 |
| Pretax return on assets | 0.9177% | 3,843 |
| Return on Equity (ROE) | 6.5003% | 3,881 |
| Retained earnings to average equity (ytd only) | 5.4012% | 2,811 |
| Net charge-offs to loans | -0.1087% | 6,522 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0428% | 2,939 |
| Assets per employee ($millions) | 4.6717% | 2,556 |
| Cash dividends to net income (ytd only)* | 16.9082% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5683% | 3,283 |
| Loan loss allowance to noncurrent loans | 94.5041% | 3,595 |
| Noncurrent assets plus other real estate owned to assets | 1.2890% | 3,192 |
| Noncurrent loans to loans | 1.6595% | 2,823 |
| Net loans and leases to total assets | 71.9856% | 1,579 |
| Net loans and leases to deposits | 83.0320% | 1,923 |
| Net loans and leases to core deposits | 91.2552% | 1,784 |
| Total domestic deposits to total assets | 86.6962% | 2,999 |
| Equity capital to assets | 9.8866% | 4,075 |
| Core capital (leverage) ratio | 10.1393% | 3,306 |
| Tier 1 risk-based capital ratio | 12.1787% | 5,694 |
| Total risk-based capital ratio | 13.4305% | 5,636 |
| Memoranda: | ||
| Average total assets | $317,530,000 | 2,037 |
| Average earning assets | $296,242,000 | 2,007 |
| Average equity | $31,844,670 | 2,161 |
| Average total loans | $231,895,670 | 1,773 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1866% | 3,357 |
| Cost of funding earning assets | 0.5543% | 3,530 |
| Net interest margin | 3.6323% | 3,131 |
| Noninterest income to average assets | 0.3046% | 5,261 |
| Noninterest expense to average assets | 2.8192% | 3,633 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6448% | 3,993 |
| Return on assets (ROA) | 0.6448% | 4,152 |
| Pretax return on assets | 0.8708% | 3,869 |
| Return on Equity (ROE) | 6.3834% | 3,830 |
| Retained earnings to average equity (ytd only) | 5.3782% | 3,016 |
| Net charge-offs to loans | 0.0104% | 3,937 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 114.3333% | 339 |
| Efficiency ratio | 76.4018% | 2,863 |
| Assets per employee ($millions) | 4.6116% | 2,786 |
| Cash dividends to net income (ytd only)* | 15.7480% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5456% | 3,640 |
| Loan loss allowance to noncurrent loans | 90.2303% | 3,626 |
| Noncurrent assets plus other real estate owned to assets | 1.3180% | 3,321 |
| Noncurrent loans to loans | 1.7129% | 2,976 |
| Net loans and leases to total assets | 71.3691% | 1,460 |
| Net loans and leases to deposits | 82.4978% | 1,763 |
| Net loans and leases to core deposits | 91.0273% | 1,601 |
| Total domestic deposits to total assets | 86.5103% | 3,226 |
| Equity capital to assets | 10.0538% | 4,077 |
| Core capital (leverage) ratio | 10.0969% | 3,278 |
| Tier 1 risk-based capital ratio | 12.3633% | 5,668 |
| Total risk-based capital ratio | 13.6151% | 5,619 |
| Memoranda: | ||
| Average total assets | $315,122,500 | 2,082 |
| Average earning assets | $293,700,500 | 2,052 |
| Average equity | $31,832,500 | 2,194 |
| Average total loans | $229,974,000 | 1,796 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5748% | 3,101 |
| Cost of funding earning assets | 0.6464% | 3,940 |
| Net interest margin | 3.9284% | 2,705 |
| Noninterest income to average assets | 0.2674% | 5,546 |
| Noninterest expense to average assets | 3.1157% | 2,879 |
| Loan and lease loss provision to assets | 0.4188% | 1,523 |
| Net operating income to assets | 0.2871% | 5,513 |
| Return on assets (ROA) | 0.5354% | 4,804 |
| Pretax return on assets | 0.7469% | 4,486 |
| Return on Equity (ROE) | 5.2080% | 4,590 |
| Retained earnings to average equity (ytd only) | 4.1856% | 3,282 |
| Net charge-offs to loans | 0.4170% | 2,574 |
| Credit loss provision to net charge-offs | 138.5870% | 1,990 |
| Earnings coverage of net charge-offs (x) | 2.7163% | 4,071 |
| Efficiency ratio | 79.1489% | 2,259 |
| Assets per employee ($millions) | 4.4578% | 3,040 |
| Cash dividends to net income (ytd only)* | 19.6319% | 3,758 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5574% | 3,489 |
| Loan loss allowance to noncurrent loans | 93.3595% | 3,503 |
| Noncurrent assets plus other real estate owned to assets | 1.3036% | 3,473 |
| Noncurrent loans to loans | 1.6682% | 3,122 |
| Net loans and leases to total assets | 72.3343% | 1,438 |
| Net loans and leases to deposits | 83.8532% | 1,770 |
| Net loans and leases to core deposits | 93.2068% | 1,533 |
| Total domestic deposits to total assets | 86.2630% | 3,224 |
| Equity capital to assets | 10.1504% | 3,965 |
| Core capital (leverage) ratio | 9.9754% | 3,435 |
| Tier 1 risk-based capital ratio | 12.1377% | 5,695 |
| Total risk-based capital ratio | 13.3894% | 5,656 |
| Memoranda: | ||
| Average total assets | $304,458,600 | 2,111 |
| Average earning assets | $284,365,200 | 2,079 |
| Average equity | $31,298,000 | 2,182 |
| Average total loans | $220,643,600 | 1,832 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6158% | 3,146 |
| Cost of funding earning assets | 0.6558% | 4,145 |
| Net interest margin | 3.9600% | 2,665 |
| Noninterest income to average assets | 0.2560% | 5,729 |
| Noninterest expense to average assets | 3.1402% | 2,760 |
| Loan and lease loss provision to assets | 0.1873% | 3,247 |
| Net operating income to assets | 0.4450% | 5,056 |
| Return on assets (ROA) | 0.5857% | 4,731 |
| Pretax return on assets | 0.8311% | 4,376 |
| Return on Equity (ROE) | 5.6786% | 4,494 |
| Retained earnings to average equity (ytd only) | 4.6531% | 3,618 |
| Net charge-offs to loans | 0.2954% | 2,959 |
| Credit loss provision to net charge-offs | 87.8099% | 3,366 |
| Earnings coverage of net charge-offs (x) | 3.8326% | 3,500 |
| Efficiency ratio | 79.3453% | 2,192 |
| Assets per employee ($millions) | 4.4165% | 3,052 |
| Cash dividends to net income (ytd only)* | 18.0585% | 3,132 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3933% | 4,404 |
| Loan loss allowance to noncurrent loans | 70.1244% | 4,213 |
| Noncurrent assets plus other real estate owned to assets | 1.6044% | 3,189 |
| Noncurrent loans to loans | 1.9868% | 2,856 |
| Net loans and leases to total assets | 72.2720% | 1,505 |
| Net loans and leases to deposits | 84.0183% | 1,869 |
| Net loans and leases to core deposits | 93.2946% | 1,651 |
| Total domestic deposits to total assets | 86.0194% | 3,247 |
| Equity capital to assets | 10.2825% | 4,100 |
| Core capital (leverage) ratio | 10.1167% | 3,384 |
| Tier 1 risk-based capital ratio | 12.1097% | 5,882 |
| Total risk-based capital ratio | 13.3435% | 5,868 |
| Memoranda: | ||
| Average total assets | $302,561,500 | 2,140 |
| Average earning assets | $282,818,000 | 2,108 |
| Average equity | $31,204,000 | 2,206 |
| Average total loans | $218,482,500 | 1,862 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6211% | 3,270 |
| Cost of funding earning assets | 0.6716% | 4,262 |
| Net interest margin | 3.9495% | 2,721 |
| Noninterest income to average assets | 0.2597% | 5,716 |
| Noninterest expense to average assets | 3.1608% | 2,720 |
| Loan and lease loss provision to assets | 0.0433% | 5,136 |
| Net operating income to assets | 0.5155% | 4,742 |
| Return on assets (ROA) | 0.6166% | 4,547 |
| Pretax return on assets | 0.8982% | 4,084 |
| Return on Equity (ROE) | 5.9725% | 4,340 |
| Retained earnings to average equity (ytd only) | 4.9405% | 3,309 |
| Net charge-offs to loans | 0.0732% | 4,414 |
| Credit loss provision to net charge-offs | 82.2785% | 3,258 |
| Earnings coverage of net charge-offs (x) | 15.1139% | 1,667 |
| Efficiency ratio | 79.9024% | 2,198 |
| Assets per employee ($millions) | 4.4254% | 3,045 |
| Cash dividends to net income (ytd only)* | 17.2786% | 3,074 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4441% | 4,269 |
| Loan loss allowance to noncurrent loans | 90.0197% | 3,478 |
| Noncurrent assets plus other real estate owned to assets | 1.3529% | 3,729 |
| Noncurrent loans to loans | 1.6042% | 3,501 |
| Net loans and leases to total assets | 70.5431% | 1,816 |
| Net loans and leases to deposits | 81.8465% | 2,135 |
| Net loans and leases to core deposits | 89.5621% | 2,026 |
| Total domestic deposits to total assets | 86.1895% | 3,257 |
| Equity capital to assets | 10.1386% | 4,139 |
| Core capital (leverage) ratio | 10.1051% | 3,268 |
| Tier 1 risk-based capital ratio | 12.3276% | 5,706 |
| Total risk-based capital ratio | 13.5779% | 5,672 |
| Memoranda: | ||
| Average total assets | $300,363,000 | 2,151 |
| Average earning assets | $281,102,000 | 2,117 |
| Average equity | $31,009,000 | 2,205 |
| Average total loans | $215,779,670 | 1,893 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7135% | 3,004 |
| Cost of funding earning assets | 0.6965% | 4,311 |
| Net interest margin | 4.0169% | 2,435 |
| Noninterest income to average assets | 0.2503% | 5,855 |
| Noninterest expense to average assets | 3.1767% | 2,675 |
| Loan and lease loss provision to assets | 0.0879% | 4,269 |
| Net operating income to assets | 0.5358% | 4,667 |
| Return on assets (ROA) | 0.5358% | 4,876 |
| Pretax return on assets | 0.7387% | 4,656 |
| Return on Equity (ROE) | 5.1412% | 4,719 |
| Retained earnings to average equity (ytd only) | 4.1026% | 4,130 |
| Net charge-offs to loans | -0.0094% | 5,926 |
| Credit loss provision to net charge-offs | -1,300.0000% | 5,962 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3511% | 2,294 |
| Assets per employee ($millions) | 4.5072% | 2,981 |
| Cash dividends to net income (ytd only)* | 20.2020% | 2,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5406% | 3,986 |
| Loan loss allowance to noncurrent loans | 162.0316% | 2,007 |
| Noncurrent assets plus other real estate owned to assets | 1.0328% | 4,431 |
| Noncurrent loans to loans | 0.9508% | 4,773 |
| Net loans and leases to total assets | 69.5433% | 1,829 |
| Net loans and leases to deposits | 80.7861% | 2,087 |
| Net loans and leases to core deposits | 88.0589% | 2,045 |
| Total domestic deposits to total assets | 86.0833% | 3,476 |
| Equity capital to assets | 10.2390% | 3,801 |
| Core capital (leverage) ratio | 10.3092% | 2,982 |
| Tier 1 risk-based capital ratio | 12.5955% | 5,524 |
| Total risk-based capital ratio | 13.8470% | 5,488 |
| Memoranda: | ||
| Average total assets | $295,655,500 | 2,196 |
| Average earning assets | $276,230,500 | 2,155 |
| Average equity | $30,810,000 | 2,216 |
| Average total loans | $212,805,000 | 1,930 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9207% | 3,264 |
| Cost of funding earning assets | 0.9244% | 3,926 |
| Net interest margin | 3.9962% | 2,900 |
| Noninterest income to average assets | 0.2019% | 6,060 |
| Noninterest expense to average assets | 2.8567% | 4,143 |
| Loan and lease loss provision to assets | 0.5955% | 1,740 |
| Net operating income to assets | 0.3882% | 4,917 |
| Return on assets (ROA) | 0.4846% | 4,697 |
| Pretax return on assets | 0.6619% | 4,464 |
| Return on Equity (ROE) | 4.7951% | 4,482 |
| Retained earnings to average equity (ytd only) | 4.2871% | 3,130 |
| Net charge-offs to loans | 1.0650% | 1,625 |
| Credit loss provision to net charge-offs | 77.6093% | 4,574 |
| Earnings coverage of net charge-offs (x) | 1.4665% | 4,668 |
| Efficiency ratio | 71.7404% | 3,627 |
| Assets per employee ($millions) | 4.2548% | 3,355 |
| Cash dividends to net income (ytd only)* | 10.5932% | 3,846 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5147% | 3,956 |
| Loan loss allowance to noncurrent loans | 158.8933% | 2,025 |
| Noncurrent assets plus other real estate owned to assets | 1.1112% | 4,385 |
| Noncurrent loans to loans | 0.9533% | 4,796 |
| Net loans and leases to total assets | 72.2706% | 1,597 |
| Net loans and leases to deposits | 84.4974% | 1,859 |
| Net loans and leases to core deposits | 91.6839% | 1,922 |
| Total domestic deposits to total assets | 85.5299% | 3,578 |
| Equity capital to assets | 10.6108% | 3,406 |
| Core capital (leverage) ratio | 10.3460% | 2,917 |
| Tier 1 risk-based capital ratio | 12.5337% | 5,419 |
| Total risk-based capital ratio | 13.7852% | 5,408 |
| Memoranda: | ||
| Average total assets | $292,193,200 | 2,183 |
| Average earning assets | $276,385,600 | 2,126 |
| Average equity | $29,530,400 | 2,226 |
| Average total loans | $210,524,000 | 1,950 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9372% | 3,396 |
| Cost of funding earning assets | 0.9702% | 3,890 |
| Net interest margin | 3.9670% | 3,063 |
| Noninterest income to average assets | 0.1853% | 6,271 |
| Noninterest expense to average assets | 2.8226% | 4,263 |
| Loan and lease loss provision to assets | 0.6896% | 1,401 |
| Net operating income to assets | 0.3243% | 5,311 |
| Return on assets (ROA) | 0.4543% | 4,946 |
| Pretax return on assets | 0.6122% | 4,766 |
| Return on Equity (ROE) | 4.5510% | 4,748 |
| Retained earnings to average equity (ytd only) | 3.8670% | 3,975 |
| Net charge-offs to loans | 1.3354% | 1,136 |
| Credit loss provision to net charge-offs | 72.0057% | 4,417 |
| Earnings coverage of net charge-offs (x) | 1.1759% | 4,743 |
| Efficiency ratio | 71.4813% | 3,655 |
| Assets per employee ($millions) | 4.1805% | 3,486 |
| Cash dividends to net income (ytd only)* | 15.0305% | 3,124 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 4,139 |
| Loan loss allowance to noncurrent loans | 218.3531% | 1,435 |
| Noncurrent assets plus other real estate owned to assets | 0.7235% | 5,353 |
| Noncurrent loans to loans | 0.6834% | 5,523 |
| Net loans and leases to total assets | 71.6113% | 1,791 |
| Net loans and leases to deposits | 83.6672% | 2,051 |
| Net loans and leases to core deposits | 91.8197% | 2,021 |
| Total domestic deposits to total assets | 85.5907% | 3,447 |
| Equity capital to assets | 10.4967% | 3,707 |
| Core capital (leverage) ratio | 10.0230% | 3,407 |
| Tier 1 risk-based capital ratio | 12.5646% | 5,438 |
| Total risk-based capital ratio | 13.8156% | 5,425 |
| Memoranda: | ||
| Average total assets | $292,909,500 | 2,187 |
| Average earning assets | $277,884,750 | 2,122 |
| Average equity | $29,238,000 | 2,252 |
| Average total loans | $210,076,250 | 1,973 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8724% | 3,747 |
| Cost of funding earning assets | 0.9994% | 3,949 |
| Net interest margin | 3.8729% | 3,425 |
| Noninterest income to average assets | 0.1794% | 6,374 |
| Noninterest expense to average assets | 2.8214% | 4,341 |
| Loan and lease loss provision to assets | 0.4178% | 2,347 |
| Net operating income to assets | 0.4517% | 4,714 |
| Return on assets (ROA) | 0.4531% | 4,844 |
| Pretax return on assets | 0.6304% | 4,646 |
| Return on Equity (ROE) | 4.6173% | 4,637 |
| Retained earnings to average equity (ytd only) | 3.5789% | 3,955 |
| Net charge-offs to loans | 0.6831% | 2,133 |
| Credit loss provision to net charge-offs | 85.6546% | 3,599 |
| Earnings coverage of net charge-offs (x) | 2.1448% | 3,770 |
| Efficiency ratio | 72.9492% | 3,549 |
| Assets per employee ($millions) | 4.4110% | 2,975 |
| Cash dividends to net income (ytd only)* | 22.4888% | 2,767 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6935% | 3,347 |
| Loan loss allowance to noncurrent loans | 101.7450% | 2,825 |
| Noncurrent assets plus other real estate owned to assets | 1.2485% | 4,398 |
| Noncurrent loans to loans | 1.6645% | 3,927 |
| Net loans and leases to total assets | 68.9457% | 2,427 |
| Net loans and leases to deposits | 79.5224% | 2,883 |
| Net loans and leases to core deposits | 86.9091% | 2,774 |
| Total domestic deposits to total assets | 86.6996% | 2,926 |
| Equity capital to assets | 9.6734% | 4,574 |
| Core capital (leverage) ratio | 9.9083% | 3,379 |
| Tier 1 risk-based capital ratio | 12.1085% | 5,703 |
| Total risk-based capital ratio | 13.3617% | 5,669 |
| Memoranda: | ||
| Average total assets | $294,395,000 | 2,181 |
| Average earning assets | $280,355,000 | 2,101 |
| Average equity | $28,891,330 | 2,252 |
| Average total loans | $210,203,670 | 1,992 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9151% | 3,511 |
| Cost of funding earning assets | 1.0148% | 4,089 |
| Net interest margin | 3.9003% | 3,139 |
| Noninterest income to average assets | 0.1672% | 6,532 |
| Noninterest expense to average assets | 2.9052% | 4,037 |
| Loan and lease loss provision to assets | 0.1589% | 4,040 |
| Net operating income to assets | 0.5515% | 4,266 |
| Return on assets (ROA) | 0.5542% | 4,341 |
| Pretax return on assets | 0.8417% | 3,734 |
| Return on Equity (ROE) | 5.6053% | 4,110 |
| Retained earnings to average equity (ytd only) | 5.6053% | 2,850 |
| Net charge-offs to loans | -0.0153% | 6,488 |
| Credit loss provision to net charge-offs | -1,437.5000% | 6,175 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.4598% | 3,432 |
| Assets per employee ($millions) | 4.4730% | 2,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8492% | 2,858 |
| Loan loss allowance to noncurrent loans | 156.6245% | 1,871 |
| Noncurrent assets plus other real estate owned to assets | 0.9290% | 5,038 |
| Noncurrent loans to loans | 1.1807% | 4,714 |
| Net loans and leases to total assets | 70.1382% | 2,100 |
| Net loans and leases to deposits | 81.1767% | 2,497 |
| Net loans and leases to core deposits | 85.5038% | 2,955 |
| Total domestic deposits to total assets | 86.4019% | 3,288 |
| Equity capital to assets | 9.9169% | 3,879 |
| Core capital (leverage) ratio | 10.1107% | 3,017 |
| Tier 1 risk-based capital ratio | 12.6767% | 5,089 |
| Total risk-based capital ratio | 13.9320% | 5,063 |
| Memoranda: | ||
| Average total assets | $289,412,500 | 2,233 |
| Average earning assets | $277,107,000 | 2,138 |
| Average equity | $28,616,000 | 2,259 |
| Average total loans | $208,576,500 | 2,027 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3113% | 3,076 |
| Cost of funding earning assets | 1.2948% | 3,918 |
| Net interest margin | 4.0165% | 2,950 |
| Noninterest income to average assets | 0.1915% | 6,394 |
| Noninterest expense to average assets | 2.7826% | 4,666 |
| Loan and lease loss provision to assets | 0.5845% | 2,798 |
| Net operating income to assets | 0.4433% | 4,348 |
| Return on assets (ROA) | 0.5081% | 4,217 |
| Pretax return on assets | 0.7806% | 3,695 |
| Return on Equity (ROE) | 5.1732% | 3,995 |
| Retained earnings to average equity (ytd only) | 5.1732% | 2,326 |
| Net charge-offs to loans | 0.4973% | 3,644 |
| Credit loss provision to net charge-offs | 155.2853% | 2,278 |
| Earnings coverage of net charge-offs (x) | 3.3620% | 3,400 |
| Efficiency ratio | 68.7397% | 4,416 |
| Assets per employee ($millions) | 4.5727% | 2,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7757% | 2,942 |
| Loan loss allowance to noncurrent loans | 168.8465% | 1,772 |
| Noncurrent assets plus other real estate owned to assets | 0.8505% | 5,306 |
| Noncurrent loans to loans | 1.0516% | 4,969 |
| Net loans and leases to total assets | 71.3933% | 2,219 |
| Net loans and leases to deposits | 82.6219% | 2,694 |
| Net loans and leases to core deposits | 86.8469% | 3,206 |
| Total domestic deposits to total assets | 86.4096% | 3,132 |
| Equity capital to assets | 9.8581% | 3,929 |
| Core capital (leverage) ratio | 9.7822% | 3,339 |
| Tier 1 risk-based capital ratio | 12.5590% | 4,968 |
| Total risk-based capital ratio | 13.8140% | 4,954 |
| Memoranda: | ||
| Average total assets | $284,020,000 | 2,253 |
| Average earning assets | $272,702,800 | 2,165 |
| Average equity | $27,893,600 | 2,317 |
| Average total loans | $214,965,000 | 2,016 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3250% | 3,232 |
| Cost of funding earning assets | 1.3380% | 3,991 |
| Net interest margin | 3.9870% | 3,160 |
| Noninterest income to average assets | 0.1965% | 6,483 |
| Noninterest expense to average assets | 2.7881% | 4,539 |
| Loan and lease loss provision to assets | 0.4758% | 3,090 |
| Net operating income to assets | 0.4912% | 4,354 |
| Return on assets (ROA) | 0.5168% | 4,421 |
| Pretax return on assets | 0.8023% | 3,895 |
| Return on Equity (ROE) | 5.2675% | 4,163 |
| Retained earnings to average equity (ytd only) | 5.2675% | 2,799 |
| Net charge-offs to loans | 0.3747% | 3,803 |
| Credit loss provision to net charge-offs | 166.1184% | 2,252 |
| Earnings coverage of net charge-offs (x) | 4.3223% | 3,103 |
| Efficiency ratio | 69.2488% | 4,213 |
| Assets per employee ($millions) | 4.7765% | 2,482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6139% | 3,465 |
| Loan loss allowance to noncurrent loans | 157.9230% | 1,803 |
| Noncurrent assets plus other real estate owned to assets | 0.7544% | 5,598 |
| Noncurrent loans to loans | 1.0219% | 5,194 |
| Net loans and leases to total assets | 72.6248% | 2,093 |
| Net loans and leases to deposits | 83.7816% | 2,743 |
| Net loans and leases to core deposits | 88.4922% | 3,313 |
| Total domestic deposits to total assets | 86.6835% | 2,703 |
| Equity capital to assets | 9.6399% | 4,640 |
| Core capital (leverage) ratio | 9.4555% | 3,972 |
| Tier 1 risk-based capital ratio | 12.0328% | 5,429 |
| Total risk-based capital ratio | 13.2860% | 5,397 |
| Memoranda: | ||
| Average total assets | $283,005,250 | 2,295 |
| Average earning assets | $271,843,000 | 2,198 |
| Average equity | $27,767,250 | 2,359 |
| Average total loans | $216,359,500 | 2,033 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3428% | 3,247 |
| Cost of funding earning assets | 1.3342% | 4,300 |
| Net interest margin | 4.0086% | 2,971 |
| Noninterest income to average assets | 0.1960% | 6,497 |
| Noninterest expense to average assets | 2.7930% | 4,513 |
| Loan and lease loss provision to assets | 0.4307% | 3,166 |
| Net operating income to assets | 0.5249% | 4,219 |
| Return on assets (ROA) | 0.5635% | 4,172 |
| Pretax return on assets | 0.8800% | 3,579 |
| Return on Equity (ROE) | 5.7076% | 3,937 |
| Retained earnings to average equity (ytd only) | 5.7076% | 2,489 |
| Net charge-offs to loans | 0.5454% | 2,893 |
| Credit loss provision to net charge-offs | 102.0408% | 3,997 |
| Earnings coverage of net charge-offs (x) | 2.9626% | 3,517 |
| Efficiency ratio | 69.0751% | 4,363 |
| Assets per employee ($millions) | 4.6514% | 2,647 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4445% | 4,205 |
| Loan loss allowance to noncurrent loans | 554.5936% | 587 |
| Noncurrent assets plus other real estate owned to assets | 0.1901% | 6,920 |
| Noncurrent loans to loans | 0.2605% | 6,711 |
| Net loans and leases to total assets | 71.9440% | 2,417 |
| Net loans and leases to deposits | 82.8006% | 3,117 |
| Net loans and leases to core deposits | 87.2226% | 3,658 |
| Total domestic deposits to total assets | 86.8882% | 2,592 |
| Equity capital to assets | 9.4270% | 4,823 |
| Core capital (leverage) ratio | 9.6537% | 3,601 |
| Tier 1 risk-based capital ratio | 11.9234% | 5,381 |
| Total risk-based capital ratio | 13.1745% | 5,352 |
| Memoranda: | ||
| Average total assets | $278,625,670 | 2,340 |
| Average earning assets | $267,427,670 | 2,246 |
| Average equity | $27,507,000 | 2,373 |
| Average total loans | $215,612,000 | 2,072 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4315% | 2,893 |
| Cost of funding earning assets | 1.3358% | 4,593 |
| Net interest margin | 4.0957% | 2,459 |
| Noninterest income to average assets | 0.1962% | 6,556 |
| Noninterest expense to average assets | 2.7173% | 4,823 |
| Loan and lease loss provision to assets | 0.5946% | 2,134 |
| Net operating income to assets | 0.5589% | 4,089 |
| Return on assets (ROA) | 0.5589% | 4,232 |
| Pretax return on assets | 0.8086% | 3,830 |
| Return on Equity (ROE) | 5.5235% | 4,092 |
| Retained earnings to average equity (ytd only) | 5.5235% | 2,855 |
| Net charge-offs to loans | 0.9313% | 1,724 |
| Credit loss provision to net charge-offs | 80.0000% | 3,875 |
| Earnings coverage of net charge-offs (x) | 1.8880% | 3,599 |
| Efficiency ratio | 65.9452% | 5,125 |
| Assets per employee ($millions) | 4.4547% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4106% | 4,366 |
| Loan loss allowance to noncurrent loans | 520.9983% | 613 |
| Noncurrent assets plus other real estate owned to assets | 0.2070% | 6,942 |
| Noncurrent loans to loans | 0.2708% | 6,781 |
| Net loans and leases to total assets | 75.3821% | 1,666 |
| Net loans and leases to deposits | 87.1876% | 2,376 |
| Net loans and leases to core deposits | 91.6578% | 3,150 |
| Total domestic deposits to total assets | 86.4596% | 2,917 |
| Equity capital to assets | 9.7720% | 4,147 |
| Core capital (leverage) ratio | 10.3928% | 2,724 |
| Tier 1 risk-based capital ratio | 11.8006% | 5,395 |
| Total risk-based capital ratio | 13.0512% | 5,337 |
| Memoranda: | ||
| Average total assets | $269,095,000 | 2,477 |
| Average earning assets | $257,831,500 | 2,372 |
| Average equity | $27,229,000 | 2,423 |
| Average total loans | $214,764,500 | 2,133 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6243% | 3,473 |
| Cost of funding earning assets | 1.9582% | 3,169 |
| Net interest margin | 3.6660% | 4,278 |
| Noninterest income to average assets | 0.2075% | 6,620 |
| Noninterest expense to average assets | 2.5979% | 5,803 |
| Loan and lease loss provision to assets | 0.4540% | 4,103 |
| Net operating income to assets | 0.4595% | 3,891 |
| Return on assets (ROA) | 0.5217% | 3,732 |
| Pretax return on assets | 0.7705% | 3,342 |
| Return on Equity (ROE) | 5.1461% | 3,606 |
| Retained earnings to average equity (ytd only) | 5.1461% | 1,743 |
| Net charge-offs to loans | 0.5546% | 3,563 |
| Credit loss provision to net charge-offs | 100.5993% | 5,484 |
| Earnings coverage of net charge-offs (x) | 2.5111% | 3,867 |
| Efficiency ratio | 69.6251% | 4,710 |
| Assets per employee ($millions) | 4.2924% | 3,277 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4548% | 3,947 |
| Loan loss allowance to noncurrent loans | 331.6013% | 965 |
| Noncurrent assets plus other real estate owned to assets | 0.3662% | 6,535 |
| Noncurrent loans to loans | 0.4387% | 6,392 |
| Net loans and leases to total assets | 82.2455% | 650 |
| Net loans and leases to deposits | 96.3781% | 1,283 |
| Net loans and leases to core deposits | 119.6538% | 1,975 |
| Total domestic deposits to total assets | 85.3363% | 3,391 |
| Equity capital to assets | 10.4966% | 3,182 |
| Core capital (leverage) ratio | 10.2370% | 2,838 |
| Tier 1 risk-based capital ratio | 11.5629% | 5,334 |
| Total risk-based capital ratio | 12.8140% | 5,290 |
| Memoranda: | ||
| Average total assets | $258,788,400 | 2,531 |
| Average earning assets | $248,742,800 | 2,417 |
| Average equity | $26,233,600 | 2,510 |
| Average total loans | $210,618,600 | 2,191 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5773% | 3,991 |
| Cost of funding earning assets | 2.0612% | 3,068 |
| Net interest margin | 3.5161% | 4,801 |
| Noninterest income to average assets | 0.1991% | 6,793 |
| Noninterest expense to average assets | 2.6321% | 5,592 |
| Loan and lease loss provision to assets | 0.4503% | 3,665 |
| Net operating income to assets | 0.3489% | 4,602 |
| Return on assets (ROA) | 0.3916% | 4,533 |
| Pretax return on assets | 0.5614% | 4,327 |
| Return on Equity (ROE) | 3.8974% | 4,417 |
| Retained earnings to average equity (ytd only) | 3.8974% | 3,114 |
| Net charge-offs to loans | 0.4995% | 3,226 |
| Credit loss provision to net charge-offs | 111.4650% | 4,562 |
| Earnings coverage of net charge-offs (x) | 2.3541% | 4,058 |
| Efficiency ratio | 73.4597% | 3,965 |
| Assets per employee ($millions) | 4.5806% | 2,727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5202% | 3,324 |
| Loan loss allowance to noncurrent loans | 392.9009% | 791 |
| Noncurrent assets plus other real estate owned to assets | 0.3075% | 6,718 |
| Noncurrent loans to loans | 0.3869% | 6,570 |
| Net loans and leases to total assets | 78.2680% | 1,522 |
| Net loans and leases to deposits | 91.0935% | 2,379 |
| Net loans and leases to core deposits | 114.2477% | 2,806 |
| Total domestic deposits to total assets | 85.9205% | 2,733 |
| Equity capital to assets | 10.0140% | 4,069 |
| Core capital (leverage) ratio | 10.0985% | 3,177 |
| Tier 1 risk-based capital ratio | 11.6040% | 5,332 |
| Total risk-based capital ratio | 12.8559% | 5,274 |
| Memoranda: | ||
| Average total assets | $259,100,250 | 2,534 |
| Average earning assets | $249,363,250 | 2,433 |
| Average equity | $26,033,750 | 2,555 |
| Average total loans | $209,537,500 | 2,220 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6062% | 4,046 |
| Cost of funding earning assets | 2.1442% | 3,067 |
| Net interest margin | 3.4620% | 4,958 |
| Noninterest income to average assets | 0.1876% | 6,955 |
| Noninterest expense to average assets | 2.6866% | 5,436 |
| Loan and lease loss provision to assets | 0.4671% | 3,182 |
| Net operating income to assets | 0.2600% | 5,052 |
| Return on assets (ROA) | 0.3254% | 4,905 |
| Pretax return on assets | 0.4554% | 4,767 |
| Return on Equity (ROE) | 3.2349% | 4,805 |
| Retained earnings to average equity (ytd only) | 3.2349% | 3,515 |
| Net charge-offs to loans | 0.6526% | 2,403 |
| Credit loss provision to net charge-offs | 87.9765% | 4,979 |
| Earnings coverage of net charge-offs (x) | 1.5645% | 4,364 |
| Efficiency ratio | 76.3834% | 3,624 |
| Assets per employee ($millions) | 4.3669% | 2,994 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4681% | 3,360 |
| Loan loss allowance to noncurrent loans | 289.0580% | 1,080 |
| Noncurrent assets plus other real estate owned to assets | 0.4079% | 6,441 |
| Noncurrent loans to loans | 0.5079% | 6,256 |
| Net loans and leases to total assets | 79.1352% | 1,491 |
| Net loans and leases to deposits | 92.4600% | 2,383 |
| Net loans and leases to core deposits | 121.8198% | 2,222 |
| Total domestic deposits to total assets | 85.5885% | 2,966 |
| Equity capital to assets | 10.1204% | 3,795 |
| Core capital (leverage) ratio | 10.1908% | 3,106 |
| Tier 1 risk-based capital ratio | 11.7524% | 5,146 |
| Total risk-based capital ratio | 13.0040% | 5,067 |
| Memoranda: | ||
| Average total assets | $256,908,000 | 2,565 |
| Average earning assets | $247,081,670 | 2,462 |
| Average equity | $25,843,330 | 2,570 |
| Average total loans | $209,000,000 | 2,255 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6155% | 4,259 |
| Cost of funding earning assets | 2.2180% | 3,071 |
| Net interest margin | 3.3975% | 5,149 |
| Noninterest income to average assets | 0.1684% | 7,101 |
| Noninterest expense to average assets | 2.6211% | 5,370 |
| Loan and lease loss provision to assets | 0.6237% | 2,024 |
| Net operating income to assets | 0.1684% | 5,759 |
| Return on assets (ROA) | 0.1700% | 5,924 |
| Pretax return on assets | 0.1902% | 5,965 |
| Return on Equity (ROE) | 1.6947% | 5,879 |
| Retained earnings to average equity (ytd only) | 1.6947% | 4,900 |
| Net charge-offs to loans | 1.2988% | 1,084 |
| Credit loss provision to net charge-offs | 58.6510% | 4,541 |
| Earnings coverage of net charge-offs (x) | 0.7639% | 4,417 |
| Efficiency ratio | 76.3397% | 3,431 |
| Assets per employee ($millions) | 4.3898% | 2,907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3629% | 3,719 |
| Loan loss allowance to noncurrent loans | 249.1659% | 1,341 |
| Noncurrent assets plus other real estate owned to assets | 0.4398% | 6,183 |
| Noncurrent loans to loans | 0.5470% | 6,049 |
| Net loans and leases to total assets | 79.3026% | 1,520 |
| Net loans and leases to deposits | 92.4419% | 2,523 |
| Net loans and leases to core deposits | 124.2577% | 2,063 |
| Total domestic deposits to total assets | 85.7864% | 2,831 |
| Equity capital to assets | 9.9807% | 4,024 |
| Core capital (leverage) ratio | 10.0518% | 3,348 |
| Tier 1 risk-based capital ratio | 11.4893% | 5,426 |
| Total risk-based capital ratio | 12.7397% | 5,320 |
| Memoranda: | ||
| Average total assets | $256,537,500 | 2,576 |
| Average earning assets | $246,532,500 | 2,479 |
| Average equity | $25,727,500 | 2,591 |
| Average total loans | $210,035,500 | 2,269 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2706% | 4,118 |
| Cost of funding earning assets | 2.7438% | 2,956 |
| Net interest margin | 3.5268% | 5,203 |
| Noninterest income to average assets | 0.2259% | 6,825 |
| Noninterest expense to average assets | 2.5006% | 6,005 |
| Loan and lease loss provision to assets | 0.3611% | 3,523 |
| Net operating income to assets | 0.4963% | 4,751 |
| Return on assets (ROA) | 0.5032% | 4,566 |
| Pretax return on assets | 0.7264% | 4,312 |
| Return on Equity (ROE) | 5.2971% | 4,242 |
| Retained earnings to average equity (ytd only) | 5.2971% | 1,862 |
| Net charge-offs to loans | 0.2161% | 4,049 |
| Credit loss provision to net charge-offs | 205.4945% | 2,362 |
| Earnings coverage of net charge-offs (x) | 6.1319% | 3,432 |
| Efficiency ratio | 69.8867% | 4,375 |
| Assets per employee ($millions) | 4.3064% | 2,948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4728% | 2,817 |
| Loan loss allowance to noncurrent loans | 258.0645% | 1,544 |
| Noncurrent assets plus other real estate owned to assets | 0.6187% | 5,346 |
| Noncurrent loans to loans | 0.5707% | 5,657 |
| Net loans and leases to total assets | 82.1486% | 1,203 |
| Net loans and leases to deposits | 95.9072% | 2,468 |
| Net loans and leases to core deposits | 130.6198% | 1,809 |
| Total domestic deposits to total assets | 85.6543% | 2,563 |
| Equity capital to assets | 10.0777% | 3,944 |
| Core capital (leverage) ratio | 9.9376% | 3,508 |
| Tier 1 risk-based capital ratio | 11.1902% | 5,546 |
| Total risk-based capital ratio | 12.4416% | 5,433 |
| Memoranda: | ||
| Average total assets | $258,941,400 | 2,471 |
| Average earning assets | $246,115,800 | 2,400 |
| Average equity | $24,598,400 | 2,682 |
| Average total loans | $210,523,200 | 2,201 |