Home > Gold Coast Bank > Performance and Condition Ratios
Gold Coast 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 | 4.2010% | 3,811 |
| Cost of funding earning assets | 1.5118% | 383 |
| Net interest margin | 2.6892% | 4,845 |
| Noninterest income to average assets | 0.1104% | 4,904 |
| Noninterest expense to average assets | 1.8795% | 4,684 |
| Loan and lease loss provision to assets | 0.0400% | 3,215 |
| Net operating income to assets | 0.6309% | 4,068 |
| Return on assets (ROA) | 0.6309% | 4,136 |
| Pretax return on assets | 0.8251% | 3,923 |
| Return on Equity (ROE) | 6.0207% | 3,911 |
| Retained earnings to average equity (ytd only) | 6.0207% | 1,856 |
| Net charge-offs to loans | -0.0152% | 4,575 |
| Credit loss provision to net charge-offs | -321.4286% | 4,363 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4804% | 2,390 |
| Assets per employee ($millions) | 12.4406% | 192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9815% | 3,603 |
| Loan loss allowance to noncurrent loans | 162.8683% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.5032% | 2,404 |
| Noncurrent loans to loans | 0.6026% | 2,377 |
| Net loans and leases to total assets | 82.6780% | 467 |
| Net loans and leases to deposits | 99.5370% | 637 |
| Net loans and leases to core deposits | 117.6934% | 544 |
| Total domestic deposits to total assets | 83.0626% | 3,175 |
| Equity capital to assets | 10.7844% | 3,198 |
| Core capital (leverage) ratio | 10.5134% | 2,940 |
| Tier 1 risk-based capital ratio | 14.0790% | 3,228 |
| Total risk-based capital ratio | 15.1521% | 3,226 |
| Memoranda: | ||
| Average total assets | $562,489,400 | 1,283 |
| Average earning assets | $550,981,400 | 1,234 |
| Average equity | $58,946,200 | 1,386 |
| Average total loans | $461,064,800 | 1,142 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2260% | 3,866 |
| Cost of funding earning assets | 1.4961% | 410 |
| Net interest margin | 2.7300% | 4,915 |
| Noninterest income to average assets | 0.0722% | 5,067 |
| Noninterest expense to average assets | 1.8467% | 4,766 |
| Loan and lease loss provision to assets | 0.0533% | 2,846 |
| Net operating income to assets | 0.6478% | 4,165 |
| Return on assets (ROA) | 0.6478% | 4,217 |
| Pretax return on assets | 0.8473% | 4,013 |
| Return on Equity (ROE) | 6.2262% | 3,976 |
| Retained earnings to average equity (ytd only) | 6.2262% | 2,267 |
| Net charge-offs to loans | -0.0165% | 4,536 |
| Credit loss provision to net charge-offs | -394.7368% | 4,284 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.2182% | 2,545 |
| Assets per employee ($millions) | 11.0142% | 269 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9913% | 3,617 |
| Loan loss allowance to noncurrent loans | 162.4068% | 2,472 |
| Noncurrent assets plus other real estate owned to assets | 0.5015% | 2,517 |
| Noncurrent loans to loans | 0.6104% | 2,454 |
| Net loans and leases to total assets | 81.3436% | 655 |
| Net loans and leases to deposits | 97.7846% | 841 |
| Net loans and leases to core deposits | 116.1096% | 649 |
| Total domestic deposits to total assets | 83.1865% | 3,097 |
| Equity capital to assets | 10.6984% | 3,382 |
| Core capital (leverage) ratio | 10.4252% | 3,163 |
| Tier 1 risk-based capital ratio | 14.2072% | 3,219 |
| Total risk-based capital ratio | 15.2928% | 3,213 |
| Memoranda: | ||
| Average total assets | $563,155,000 | 1,290 |
| Average earning assets | $551,833,500 | 1,231 |
| Average equity | $58,589,250 | 1,397 |
| Average total loans | $459,470,500 | 1,150 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2045% | 3,915 |
| Cost of funding earning assets | 1.4455% | 452 |
| Net interest margin | 2.7590% | 4,958 |
| Noninterest income to average assets | 0.0667% | 5,120 |
| Noninterest expense to average assets | 1.8817% | 4,772 |
| Loan and lease loss provision to assets | 0.0798% | 2,235 |
| Net operating income to assets | 0.6192% | 4,254 |
| Return on assets (ROA) | 0.6192% | 4,298 |
| Pretax return on assets | 0.8101% | 4,063 |
| Return on Equity (ROE) | 6.0082% | 4,046 |
| Retained earnings to average equity (ytd only) | 6.0082% | 2,281 |
| Net charge-offs to loans | -0.0235% | 4,606 |
| Credit loss provision to net charge-offs | -416.6667% | 4,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.8914% | 2,549 |
| Assets per employee ($millions) | 10.0358% | 329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9780% | 3,750 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 80.9242% | 742 |
| Net loans and leases to deposits | 94.8478% | 1,170 |
| Net loans and leases to core deposits | 116.7738% | 654 |
| Total domestic deposits to total assets | 85.3200% | 2,334 |
| Equity capital to assets | 10.3893% | 3,616 |
| Core capital (leverage) ratio | 10.3814% | 3,209 |
| Tier 1 risk-based capital ratio | 13.8650% | 3,389 |
| Total risk-based capital ratio | 14.9324% | 3,387 |
| Memoranda: | ||
| Average total assets | $563,632,670 | 1,289 |
| Average earning assets | $552,596,330 | 1,231 |
| Average equity | $58,087,330 | 1,399 |
| Average total loans | $458,794,000 | 1,151 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1833% | 3,915 |
| Cost of funding earning assets | 1.4032% | 457 |
| Net interest margin | 2.7801% | 5,003 |
| Noninterest income to average assets | 0.0593% | 5,183 |
| Noninterest expense to average assets | 1.9155% | 4,772 |
| Loan and lease loss provision to assets | 0.0987% | 1,773 |
| Net operating income to assets | 0.5920% | 4,272 |
| Return on assets (ROA) | 0.5920% | 4,303 |
| Pretax return on assets | 0.7736% | 4,112 |
| Return on Equity (ROE) | 5.7685% | 4,090 |
| Retained earnings to average equity (ytd only) | 5.7685% | 2,561 |
| Net charge-offs to loans | -0.0211% | 4,507 |
| Credit loss provision to net charge-offs | -575.0000% | 3,827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7099% | 2,538 |
| Assets per employee ($millions) | 9.2217% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9629% | 3,914 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 81.4564% | 649 |
| Net loans and leases to deposits | 93.5600% | 1,223 |
| Net loans and leases to core deposits | 114.2301% | 730 |
| Total domestic deposits to total assets | 87.0633% | 1,778 |
| Equity capital to assets | 10.3199% | 3,509 |
| Core capital (leverage) ratio | 10.4014% | 3,159 |
| Tier 1 risk-based capital ratio | 13.6721% | 3,509 |
| Total risk-based capital ratio | 14.7138% | 3,531 |
| Memoranda: | ||
| Average total assets | $559,430,000 | 1,301 |
| Average earning assets | $549,042,000 | 1,239 |
| Average equity | $57,415,500 | 1,409 |
| Average total loans | $454,446,500 | 1,164 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0418% | 3,912 |
| Cost of funding earning assets | 1.0371% | 649 |
| Net interest margin | 3.0047% | 4,794 |
| Noninterest income to average assets | 0.0668% | 5,234 |
| Noninterest expense to average assets | 2.1901% | 4,364 |
| Loan and lease loss provision to assets | 0.0862% | 2,416 |
| Net operating income to assets | 0.5688% | 4,504 |
| Return on assets (ROA) | 0.5688% | 4,510 |
| Pretax return on assets | 0.7466% | 4,299 |
| Return on Equity (ROE) | 5.3104% | 4,381 |
| Retained earnings to average equity (ytd only) | 5.3104% | 2,593 |
| Net charge-offs to loans | 0.0170% | 3,118 |
| Credit loss provision to net charge-offs | 634.2857% | 547 |
| Earnings coverage of net charge-offs (x) | 61.2857% | 1,009 |
| Efficiency ratio | 72.4506% | 1,847 |
| Assets per employee ($millions) | 9.1203% | 449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9621% | 3,903 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 79.4364% | 1,031 |
| Net loans and leases to deposits | 92.3904% | 1,496 |
| Net loans and leases to core deposits | 109.0974% | 1,051 |
| Total domestic deposits to total assets | 85.9790% | 2,241 |
| Equity capital to assets | 10.2059% | 3,464 |
| Core capital (leverage) ratio | 10.5802% | 2,951 |
| Tier 1 risk-based capital ratio | 14.0469% | 3,271 |
| Total risk-based capital ratio | 15.0930% | 3,292 |
| Memoranda: | ||
| Average total assets | $515,148,000 | 1,368 |
| Average earning assets | $506,807,800 | 1,298 |
| Average equity | $55,175,000 | 1,412 |
| Average total loans | $410,752,600 | 1,228 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9958% | 3,944 |
| Cost of funding earning assets | 0.9650% | 700 |
| Net interest margin | 3.0308% | 4,804 |
| Noninterest income to average assets | 0.0634% | 5,310 |
| Noninterest expense to average assets | 2.2514% | 4,213 |
| Loan and lease loss provision to assets | 0.0940% | 2,097 |
| Net operating income to assets | 0.5657% | 4,600 |
| Return on assets (ROA) | 0.5657% | 4,606 |
| Pretax return on assets | 0.6988% | 4,535 |
| Return on Equity (ROE) | 5.2140% | 4,495 |
| Retained earnings to average equity (ytd only) | 5.2140% | 3,110 |
| Net charge-offs to loans | 0.0245% | 2,632 |
| Credit loss provision to net charge-offs | 481.0811% | 729 |
| Earnings coverage of net charge-offs (x) | 40.5693% | 1,343 |
| Efficiency ratio | 73.9568% | 1,603 |
| Assets per employee ($millions) | 8.8833% | 464 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 3,934 |
| Loan loss allowance to noncurrent loans | 4,667.7778% | 177 |
| Noncurrent assets plus other real estate owned to assets | 0.0166% | 4,915 |
| Noncurrent loans to loans | 0.0208% | 4,815 |
| Net loans and leases to total assets | 78.9909% | 1,169 |
| Net loans and leases to deposits | 88.1571% | 2,135 |
| Net loans and leases to core deposits | 101.6848% | 1,635 |
| Total domestic deposits to total assets | 89.6024% | 636 |
| Equity capital to assets | 10.2291% | 3,422 |
| Core capital (leverage) ratio | 10.7410% | 2,848 |
| Tier 1 risk-based capital ratio | 14.2190% | 3,262 |
| Total risk-based capital ratio | 15.2696% | 3,271 |
| Memoranda: | ||
| Average total assets | $504,850,750 | 1,403 |
| Average earning assets | $496,542,250 | 1,321 |
| Average equity | $54,774,000 | 1,424 |
| Average total loans | $401,884,000 | 1,254 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9956% | 3,798 |
| Cost of funding earning assets | 0.8784% | 800 |
| Net interest margin | 3.1172% | 4,700 |
| Noninterest income to average assets | 0.0707% | 5,351 |
| Noninterest expense to average assets | 2.3366% | 4,056 |
| Loan and lease loss provision to assets | 0.0325% | 3,265 |
| Net operating income to assets | 0.6103% | 4,466 |
| Return on assets (ROA) | 0.6103% | 4,471 |
| Pretax return on assets | 0.7655% | 4,347 |
| Return on Equity (ROE) | 5.5100% | 4,406 |
| Retained earnings to average equity (ytd only) | 5.5100% | 2,819 |
| Net charge-offs to loans | 0.0220% | 2,440 |
| Credit loss provision to net charge-offs | 186.0465% | 1,369 |
| Earnings coverage of net charge-offs (x) | 45.6977% | 1,198 |
| Efficiency ratio | 74.5433% | 1,632 |
| Assets per employee ($millions) | 8.0346% | 617 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9830% | 3,942 |
| Loan loss allowance to noncurrent loans | 4,078.3505% | 183 |
| Noncurrent assets plus other real estate owned to assets | 0.0195% | 4,935 |
| Noncurrent loans to loans | 0.0241% | 4,823 |
| Net loans and leases to total assets | 79.9976% | 1,021 |
| Net loans and leases to deposits | 94.3595% | 1,315 |
| Net loans and leases to core deposits | 107.6134% | 1,142 |
| Total domestic deposits to total assets | 84.7795% | 2,758 |
| Equity capital to assets | 11.0530% | 2,585 |
| Core capital (leverage) ratio | 11.0981% | 2,441 |
| Tier 1 risk-based capital ratio | 15.1323% | 2,807 |
| Total risk-based capital ratio | 16.1972% | 2,822 |
| Memoranda: | ||
| Average total assets | $492,506,330 | 1,436 |
| Average earning assets | $484,081,000 | 1,360 |
| Average equity | $54,555,330 | 1,433 |
| Average total loans | $391,765,330 | 1,278 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9933% | 3,631 |
| Cost of funding earning assets | 0.8168% | 892 |
| Net interest margin | 3.1765% | 4,540 |
| Noninterest income to average assets | 0.0792% | 5,398 |
| Noninterest expense to average assets | 2.3697% | 4,020 |
| Loan and lease loss provision to assets | 0.0653% | 2,463 |
| Net operating income to assets | 0.5840% | 4,468 |
| Return on assets (ROA) | 0.5840% | 4,476 |
| Pretax return on assets | 0.7670% | 4,232 |
| Return on Equity (ROE) | 5.2667% | 4,394 |
| Retained earnings to average equity (ytd only) | 5.2667% | 3,051 |
| Net charge-offs to loans | 0.0445% | 1,673 |
| Credit loss provision to net charge-offs | 186.0465% | 1,091 |
| Earnings coverage of net charge-offs (x) | 23.6977% | 1,376 |
| Efficiency ratio | 74.0051% | 1,898 |
| Assets per employee ($millions) | 7.9504% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0108% | 3,885 |
| Loan loss allowance to noncurrent loans | 4,347.2527% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0179% | 5,027 |
| Noncurrent loans to loans | 0.0233% | 4,877 |
| Net loans and leases to total assets | 76.1378% | 1,518 |
| Net loans and leases to deposits | 90.3928% | 1,644 |
| Net loans and leases to core deposits | 112.2863% | 876 |
| Total domestic deposits to total assets | 84.2300% | 3,226 |
| Equity capital to assets | 10.6928% | 2,878 |
| Core capital (leverage) ratio | 11.0679% | 2,363 |
| Tier 1 risk-based capital ratio | 15.3340% | 2,724 |
| Total risk-based capital ratio | 16.4284% | 2,729 |
| Memoranda: | ||
| Average total assets | $489,687,500 | 1,446 |
| Average earning assets | $481,407,500 | 1,379 |
| Average equity | $54,303,000 | 1,442 |
| Average total loans | $386,418,500 | 1,298 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7648% | 4,168 |
| Cost of funding earning assets | 0.5762% | 1,770 |
| Net interest margin | 3.1886% | 4,477 |
| Noninterest income to average assets | 0.1004% | 5,411 |
| Noninterest expense to average assets | 2.3566% | 4,189 |
| Loan and lease loss provision to assets | 0.0511% | 3,201 |
| Net operating income to assets | 0.4091% | 4,658 |
| Return on assets (ROA) | 0.4091% | 4,682 |
| Pretax return on assets | 0.8284% | 4,173 |
| Return on Equity (ROE) | 4.0228% | 4,493 |
| Retained earnings to average equity (ytd only) | 4.0228% | 2,778 |
| Net charge-offs to loans | -0.0356% | 5,100 |
| Credit loss provision to net charge-offs | -182.0313% | 4,780 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8221% | 2,095 |
| Assets per employee ($millions) | 7.8425% | 677 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0273% | 3,759 |
| Loan loss allowance to noncurrent loans | 772.9783% | 783 |
| Noncurrent assets plus other real estate owned to assets | 0.1077% | 4,591 |
| Noncurrent loans to loans | 0.1329% | 4,398 |
| Net loans and leases to total assets | 80.2367% | 926 |
| Net loans and leases to deposits | 95.4552% | 1,132 |
| Net loans and leases to core deposits | 112.9090% | 845 |
| Total domestic deposits to total assets | 84.0569% | 3,185 |
| Equity capital to assets | 11.5180% | 2,192 |
| Core capital (leverage) ratio | 11.3935% | 2,018 |
| Tier 1 risk-based capital ratio | 15.3064% | 2,697 |
| Total risk-based capital ratio | 16.4029% | 2,702 |
| Memoranda: | ||
| Average total assets | $456,171,400 | 1,529 |
| Average earning assets | $448,598,400 | 1,439 |
| Average equity | $46,385,800 | 1,623 |
| Average total loans | $359,506,000 | 1,348 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7115% | 4,292 |
| Cost of funding earning assets | 0.5595% | 1,813 |
| Net interest margin | 3.1520% | 4,577 |
| Noninterest income to average assets | 0.1064% | 5,458 |
| Noninterest expense to average assets | 2.3112% | 4,273 |
| Loan and lease loss provision to assets | 0.0336% | 3,448 |
| Net operating income to assets | 0.5839% | 4,444 |
| Return on assets (ROA) | 0.5839% | 4,485 |
| Pretax return on assets | 0.8620% | 4,170 |
| Return on Equity (ROE) | 5.9474% | 4,149 |
| Retained earnings to average equity (ytd only) | 5.9474% | 2,278 |
| Net charge-offs to loans | -0.0418% | 5,107 |
| Credit loss provision to net charge-offs | -102.7027% | 4,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0717% | 2,195 |
| Assets per employee ($millions) | 8.2204% | 585 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0351% | 3,879 |
| Loan loss allowance to noncurrent loans | 218.5442% | 2,081 |
| Noncurrent assets plus other real estate owned to assets | 0.3631% | 3,577 |
| Noncurrent loans to loans | 0.4737% | 3,265 |
| Net loans and leases to total assets | 75.8577% | 1,612 |
| Net loans and leases to deposits | 85.7932% | 2,322 |
| Net loans and leases to core deposits | 100.1376% | 1,695 |
| Total domestic deposits to total assets | 88.4192% | 1,163 |
| Equity capital to assets | 11.4459% | 2,425 |
| Core capital (leverage) ratio | 11.6832% | 1,898 |
| Tier 1 risk-based capital ratio | 15.8312% | 2,577 |
| Total risk-based capital ratio | 16.9252% | 2,583 |
| Memoranda: | ||
| Average total assets | $452,577,000 | 1,551 |
| Average earning assets | $445,168,250 | 1,461 |
| Average equity | $44,432,750 | 1,691 |
| Average total loans | $354,014,500 | 1,380 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6731% | 4,308 |
| Cost of funding earning assets | 0.5477% | 1,794 |
| Net interest margin | 3.1254% | 4,616 |
| Noninterest income to average assets | 0.0976% | 5,524 |
| Noninterest expense to average assets | 2.3523% | 4,205 |
| Loan and lease loss provision to assets | 0.0513% | 2,957 |
| Net operating income to assets | 0.5219% | 4,645 |
| Return on assets (ROA) | 0.5219% | 4,678 |
| Pretax return on assets | 0.7671% | 4,384 |
| Return on Equity (ROE) | 5.6512% | 4,202 |
| Retained earnings to average equity (ytd only) | 5.6512% | 2,322 |
| Net charge-offs to loans | 0.0714% | 1,923 |
| Credit loss provision to net charge-offs | 91.2000% | 2,129 |
| Earnings coverage of net charge-offs (x) | 14.5520% | 2,064 |
| Efficiency ratio | 74.1876% | 1,974 |
| Assets per employee ($millions) | 8.1043% | 596 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 4,321 |
| Loan loss allowance to noncurrent loans | 126.2278% | 3,126 |
| Noncurrent assets plus other real estate owned to assets | 0.6083% | 2,742 |
| Noncurrent loans to loans | 0.7688% | 2,476 |
| Net loans and leases to total assets | 78.3511% | 1,189 |
| Net loans and leases to deposits | 86.2604% | 2,186 |
| Net loans and leases to core deposits | 99.6289% | 1,674 |
| Total domestic deposits to total assets | 90.8310% | 262 |
| Equity capital to assets | 9.0277% | 4,871 |
| Core capital (leverage) ratio | 9.1899% | 4,506 |
| Tier 1 risk-based capital ratio | 11.9973% | 4,633 |
| Total risk-based capital ratio | 13.0125% | 4,684 |
| Memoranda: | ||
| Average total assets | $444,509,000 | 1,583 |
| Average earning assets | $437,066,000 | 1,497 |
| Average equity | $41,053,000 | 1,833 |
| Average total loans | $350,200,000 | 1,391 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6546% | 4,259 |
| Cost of funding earning assets | 0.5324% | 1,846 |
| Net interest margin | 3.1222% | 4,595 |
| Noninterest income to average assets | 0.0835% | 5,633 |
| Noninterest expense to average assets | 2.4002% | 4,109 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4736% | 4,693 |
| Return on assets (ROA) | 0.4736% | 4,719 |
| Pretax return on assets | 0.7517% | 4,280 |
| Return on Equity (ROE) | 5.0678% | 4,357 |
| Retained earnings to average equity (ytd only) | 5.0678% | 2,850 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1503% | 1,884 |
| Assets per employee ($millions) | 7.7675% | 682 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0326% | 4,076 |
| Loan loss allowance to noncurrent loans | 569.2800% | 955 |
| Noncurrent assets plus other real estate owned to assets | 0.1412% | 4,697 |
| Noncurrent loans to loans | 0.1814% | 4,474 |
| Net loans and leases to total assets | 77.0186% | 1,263 |
| Net loans and leases to deposits | 87.2095% | 1,890 |
| Net loans and leases to core deposits | 98.8237% | 1,598 |
| Total domestic deposits to total assets | 88.3145% | 1,526 |
| Equity capital to assets | 9.2600% | 4,556 |
| Core capital (leverage) ratio | 9.5130% | 4,114 |
| Tier 1 risk-based capital ratio | 12.4300% | 4,424 |
| Total risk-based capital ratio | 13.5017% | 4,444 |
| Memoranda: | ||
| Average total assets | $435,790,500 | 1,616 |
| Average earning assets | $428,286,500 | 1,533 |
| Average equity | $40,728,000 | 1,843 |
| Average total loans | $342,556,500 | 1,421 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6922% | 4,229 |
| Cost of funding earning assets | 0.4664% | 2,389 |
| Net interest margin | 3.2258% | 4,365 |
| Noninterest income to average assets | 0.0727% | 5,715 |
| Noninterest expense to average assets | 2.3307% | 4,485 |
| Loan and lease loss provision to assets | 0.1740% | 1,387 |
| Net operating income to assets | 0.4792% | 4,713 |
| Return on assets (ROA) | 0.4883% | 4,753 |
| Pretax return on assets | 0.7538% | 4,327 |
| Return on Equity (ROE) | 5.1769% | 4,338 |
| Retained earnings to average equity (ytd only) | 5.1769% | 2,215 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8371% | 2,613 |
| Assets per employee ($millions) | 8.0912% | 586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0448% | 4,044 |
| Loan loss allowance to noncurrent loans | 495.5432% | 1,062 |
| Noncurrent assets plus other real estate owned to assets | 0.1674% | 4,649 |
| Noncurrent loans to loans | 0.2108% | 4,398 |
| Net loans and leases to total assets | 78.5851% | 1,108 |
| Net loans and leases to deposits | 91.6850% | 1,491 |
| Net loans and leases to core deposits | 102.1472% | 1,440 |
| Total domestic deposits to total assets | 85.7120% | 2,724 |
| Equity capital to assets | 9.4344% | 4,344 |
| Core capital (leverage) ratio | 9.9008% | 3,623 |
| Tier 1 risk-based capital ratio | 12.5211% | 4,364 |
| Total risk-based capital ratio | 13.6144% | 4,348 |
| Memoranda: | ||
| Average total assets | $389,069,800 | 1,728 |
| Average earning assets | $382,537,000 | 1,630 |
| Average equity | $36,701,200 | 1,993 |
| Average total loans | $300,980,800 | 1,510 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7444% | 4,103 |
| Cost of funding earning assets | 0.4620% | 2,446 |
| Net interest margin | 3.2824% | 4,243 |
| Noninterest income to average assets | 0.0717% | 5,784 |
| Noninterest expense to average assets | 2.3443% | 4,421 |
| Loan and lease loss provision to assets | 0.1168% | 1,978 |
| Net operating income to assets | 0.5445% | 4,514 |
| Return on assets (ROA) | 0.5571% | 4,574 |
| Pretax return on assets | 0.8584% | 4,127 |
| Return on Equity (ROE) | 5.9056% | 4,114 |
| Retained earnings to average equity (ytd only) | 5.9056% | 2,234 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0358% | 2,734 |
| Assets per employee ($millions) | 8.1705% | 546 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 4,068 |
| Loan loss allowance to noncurrent loans | 535.5000% | 993 |
| Noncurrent assets plus other real estate owned to assets | 0.1499% | 4,842 |
| Noncurrent loans to loans | 0.1979% | 4,558 |
| Net loans and leases to total assets | 74.9088% | 1,721 |
| Net loans and leases to deposits | 83.5056% | 2,542 |
| Net loans and leases to core deposits | 91.7991% | 2,406 |
| Total domestic deposits to total assets | 89.7052% | 589 |
| Equity capital to assets | 10.1802% | 3,941 |
| Core capital (leverage) ratio | 10.0199% | 3,548 |
| Tier 1 risk-based capital ratio | 13.7995% | 3,668 |
| Total risk-based capital ratio | 14.8967% | 3,686 |
| Memoranda: | ||
| Average total assets | $379,128,250 | 1,773 |
| Average earning assets | $372,887,750 | 1,671 |
| Average equity | $35,762,000 | 2,044 |
| Average total loans | $291,086,250 | 1,562 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8089% | 3,925 |
| Cost of funding earning assets | 0.4544% | 2,528 |
| Net interest margin | 3.3545% | 4,042 |
| Noninterest income to average assets | 0.0710% | 5,858 |
| Noninterest expense to average assets | 2.3765% | 4,410 |
| Loan and lease loss provision to assets | 0.1715% | 1,288 |
| Net operating income to assets | 0.5322% | 4,552 |
| Return on assets (ROA) | 0.5322% | 4,666 |
| Pretax return on assets | 0.8209% | 4,214 |
| Return on Equity (ROE) | 5.8070% | 4,135 |
| Retained earnings to average equity (ytd only) | 5.8070% | 2,231 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.5441% | 2,899 |
| Assets per employee ($millions) | 7.7432% | 634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 4,066 |
| Loan loss allowance to noncurrent loans | 663.9004% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.1221% | 5,022 |
| Noncurrent loans to loans | 0.1624% | 4,790 |
| Net loans and leases to total assets | 74.3447% | 1,767 |
| Net loans and leases to deposits | 82.9004% | 2,601 |
| Net loans and leases to core deposits | 90.3401% | 2,504 |
| Total domestic deposits to total assets | 89.6795% | 599 |
| Equity capital to assets | 10.1936% | 3,985 |
| Core capital (leverage) ratio | 10.3773% | 3,104 |
| Tier 1 risk-based capital ratio | 13.9267% | 3,645 |
| Total risk-based capital ratio | 15.0465% | 3,640 |
| Memoranda: | ||
| Average total assets | $372,052,330 | 1,803 |
| Average earning assets | $365,777,330 | 1,703 |
| Average equity | $34,097,000 | 2,144 |
| Average total loans | $287,076,670 | 1,582 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8035% | 3,927 |
| Cost of funding earning assets | 0.4438% | 2,649 |
| Net interest margin | 3.3597% | 4,008 |
| Noninterest income to average assets | 0.0699% | 5,905 |
| Noninterest expense to average assets | 2.4934% | 4,089 |
| Loan and lease loss provision to assets | 0.1597% | 1,304 |
| Net operating income to assets | 0.4636% | 4,762 |
| Return on assets (ROA) | 0.4636% | 4,851 |
| Pretax return on assets | 0.7165% | 4,469 |
| Return on Equity (ROE) | 5.3904% | 4,295 |
| Retained earnings to average equity (ytd only) | 5.3904% | 2,721 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.9961% | 2,476 |
| Assets per employee ($millions) | 7.4401% | 727 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0480% | 4,344 |
| Loan loss allowance to noncurrent loans | 1,124.5353% | 523 |
| Noncurrent assets plus other real estate owned to assets | 0.0723% | 5,301 |
| Noncurrent loans to loans | 0.0932% | 5,101 |
| Net loans and leases to total assets | 76.7793% | 1,282 |
| Net loans and leases to deposits | 86.8477% | 1,965 |
| Net loans and leases to core deposits | 95.2861% | 1,863 |
| Total domestic deposits to total assets | 88.4069% | 1,405 |
| Equity capital to assets | 8.7378% | 5,392 |
| Core capital (leverage) ratio | 8.8398% | 5,036 |
| Tier 1 risk-based capital ratio | 11.5555% | 5,198 |
| Total risk-based capital ratio | 12.6414% | 5,191 |
| Memoranda: | ||
| Average total assets | $360,626,500 | 1,860 |
| Average earning assets | $354,201,000 | 1,758 |
| Average equity | $31,018,000 | 2,301 |
| Average total loans | $282,220,000 | 1,609 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5071% | 4,902 |
| Cost of funding earning assets | 0.3922% | 3,241 |
| Net interest margin | 3.1148% | 4,868 |
| Noninterest income to average assets | 0.0828% | 5,921 |
| Noninterest expense to average assets | 2.3115% | 4,752 |
| Loan and lease loss provision to assets | 0.2677% | 690 |
| Net operating income to assets | 0.3674% | 5,153 |
| Return on assets (ROA) | 0.3674% | 5,237 |
| Pretax return on assets | 0.5650% | 4,945 |
| Return on Equity (ROE) | 4.2641% | 4,825 |
| Retained earnings to average equity (ytd only) | 4.2641% | 2,944 |
| Net charge-offs to loans | 0.1942% | 1,501 |
| Credit loss provision to net charge-offs | 194.3966% | 1,429 |
| Earnings coverage of net charge-offs (x) | 6.0474% | 3,287 |
| Efficiency ratio | 73.5158% | 2,654 |
| Assets per employee ($millions) | 6.9850% | 895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0446% | 4,351 |
| Loan loss allowance to noncurrent loans | 4,175.3623% | 198 |
| Noncurrent assets plus other real estate owned to assets | 0.0198% | 5,616 |
| Noncurrent loans to loans | 0.0250% | 5,417 |
| Net loans and leases to total assets | 78.1425% | 1,100 |
| Net loans and leases to deposits | 88.3484% | 1,830 |
| Net loans and leases to core deposits | 96.4193% | 1,803 |
| Total domestic deposits to total assets | 88.4480% | 1,404 |
| Equity capital to assets | 8.4556% | 5,597 |
| Core capital (leverage) ratio | 8.3700% | 5,554 |
| Tier 1 risk-based capital ratio | 10.9585% | 5,541 |
| Total risk-based capital ratio | 12.0266% | 5,552 |
| Memoranda: | ||
| Average total assets | $336,963,400 | 1,948 |
| Average earning assets | $331,188,400 | 1,829 |
| Average equity | $29,033,400 | 2,394 |
| Average total loans | $238,923,800 | 1,808 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3858% | 5,228 |
| Cost of funding earning assets | 0.3895% | 3,331 |
| Net interest margin | 2.9963% | 5,199 |
| Noninterest income to average assets | 0.0779% | 6,019 |
| Noninterest expense to average assets | 2.2422% | 4,930 |
| Loan and lease loss provision to assets | 0.3031% | 481 |
| Net operating income to assets | 0.3123% | 5,419 |
| Return on assets (ROA) | 0.3123% | 5,504 |
| Pretax return on assets | 0.4784% | 5,274 |
| Return on Equity (ROE) | 3.6066% | 5,184 |
| Retained earnings to average equity (ytd only) | 3.6066% | 3,902 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.1548% | 2,529 |
| Assets per employee ($millions) | 7.4513% | 705 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2341% | 3,464 |
| Loan loss allowance to noncurrent loans | 691.5767% | 775 |
| Noncurrent assets plus other real estate owned to assets | 0.1351% | 5,213 |
| Noncurrent loans to loans | 0.1784% | 4,942 |
| Net loans and leases to total assets | 74.7635% | 1,594 |
| Net loans and leases to deposits | 81.9458% | 2,653 |
| Net loans and leases to core deposits | 87.7774% | 2,679 |
| Total domestic deposits to total assets | 91.2353% | 199 |
| Equity capital to assets | 8.5698% | 5,662 |
| Core capital (leverage) ratio | 8.8543% | 5,176 |
| Tier 1 risk-based capital ratio | 11.3611% | 5,454 |
| Total risk-based capital ratio | 12.6111% | 5,362 |
| Memoranda: | ||
| Average total assets | $333,892,250 | 1,979 |
| Average earning assets | $328,264,000 | 1,862 |
| Average equity | $28,909,000 | 2,412 |
| Average total loans | $229,706,750 | 1,876 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3182% | 5,404 |
| Cost of funding earning assets | 0.4136% | 3,116 |
| Net interest margin | 2.9047% | 5,435 |
| Noninterest income to average assets | 0.0804% | 6,089 |
| Noninterest expense to average assets | 2.2143% | 5,071 |
| Loan and lease loss provision to assets | 0.2907% | 543 |
| Net operating income to assets | 0.2798% | 5,499 |
| Return on assets (ROA) | 0.2798% | 5,588 |
| Pretax return on assets | 0.4321% | 5,393 |
| Return on Equity (ROE) | 3.2204% | 5,331 |
| Retained earnings to average equity (ytd only) | 3.2204% | 3,998 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3909% | 2,476 |
| Assets per employee ($millions) | 7.3849% | 707 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2495% | 3,512 |
| Loan loss allowance to noncurrent loans | 631.5335% | 838 |
| Noncurrent assets plus other real estate owned to assets | 0.1425% | 5,290 |
| Noncurrent loans to loans | 0.1978% | 4,986 |
| Net loans and leases to total assets | 71.1202% | 2,140 |
| Net loans and leases to deposits | 78.1957% | 3,004 |
| Net loans and leases to core deposits | 83.0539% | 3,076 |
| Total domestic deposits to total assets | 90.9514% | 306 |
| Equity capital to assets | 8.8833% | 5,355 |
| Core capital (leverage) ratio | 8.4620% | 5,570 |
| Tier 1 risk-based capital ratio | 11.6182% | 5,394 |
| Total risk-based capital ratio | 12.7991% | 5,353 |
| Memoranda: | ||
| Average total assets | $330,936,000 | 2,009 |
| Average earning assets | $325,473,670 | 1,884 |
| Average equity | $28,754,000 | 2,434 |
| Average total loans | $219,788,330 | 1,943 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1831% | 5,673 |
| Cost of funding earning assets | 0.4163% | 3,126 |
| Net interest margin | 2.7668% | 5,710 |
| Noninterest income to average assets | 0.0755% | 6,162 |
| Noninterest expense to average assets | 2.1369% | 5,309 |
| Loan and lease loss provision to assets | 0.1929% | 972 |
| Net operating income to assets | 0.3090% | 5,384 |
| Return on assets (ROA) | 0.3090% | 5,488 |
| Pretax return on assets | 0.4684% | 5,266 |
| Return on Equity (ROE) | 3.5960% | 5,142 |
| Retained earnings to average equity (ytd only) | 3.5960% | 3,844 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3699% | 2,454 |
| Assets per employee ($millions) | 8.1910% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2091% | 3,923 |
| Loan loss allowance to noncurrent loans | 121.6822% | 3,239 |
| Noncurrent assets plus other real estate owned to assets | 0.6221% | 3,622 |
| Noncurrent loans to loans | 0.9937% | 2,777 |
| Net loans and leases to total assets | 61.8454% | 3,393 |
| Net loans and leases to deposits | 67.6443% | 3,989 |
| Net loans and leases to core deposits | 71.8130% | 3,986 |
| Total domestic deposits to total assets | 91.4273% | 246 |
| Equity capital to assets | 8.4073% | 5,799 |
| Core capital (leverage) ratio | 8.5227% | 5,500 |
| Tier 1 risk-based capital ratio | 12.1929% | 5,116 |
| Total risk-based capital ratio | 13.3050% | 5,102 |
| Memoranda: | ||
| Average total assets | $333,936,000 | 1,995 |
| Average earning assets | $328,610,500 | 1,870 |
| Average equity | $28,698,500 | 2,450 |
| Average total loans | $212,673,000 | 1,998 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5407% | 5,224 |
| Cost of funding earning assets | 0.4174% | 3,506 |
| Net interest margin | 3.1233% | 5,147 |
| Noninterest income to average assets | 0.0936% | 6,175 |
| Noninterest expense to average assets | 2.6048% | 4,198 |
| Loan and lease loss provision to assets | 0.2277% | 1,072 |
| Net operating income to assets | 0.1113% | 5,937 |
| Return on assets (ROA) | 0.1205% | 5,963 |
| Pretax return on assets | 0.3297% | 5,647 |
| Return on Equity (ROE) | 1.1682% | 5,950 |
| Retained earnings to average equity (ytd only) | 1.1682% | 5,251 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7481% | 1,559 |
| Assets per employee ($millions) | 8.3039% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1634% | 4,202 |
| Loan loss allowance to noncurrent loans | 519.7872% | 1,038 |
| Noncurrent assets plus other real estate owned to assets | 0.1451% | 5,451 |
| Noncurrent loans to loans | 0.2238% | 5,025 |
| Net loans and leases to total assets | 64.0844% | 3,214 |
| Net loans and leases to deposits | 70.3755% | 3,856 |
| Net loans and leases to core deposits | 75.2195% | 3,802 |
| Total domestic deposits to total assets | 91.0607% | 349 |
| Equity capital to assets | 8.7923% | 5,497 |
| Core capital (leverage) ratio | 9.7695% | 3,873 |
| Tier 1 risk-based capital ratio | 12.7154% | 4,910 |
| Total risk-based capital ratio | 13.8175% | 4,907 |
| Memoranda: | ||
| Average total assets | $271,418,800 | 2,352 |
| Average earning assets | $265,425,200 | 2,235 |
| Average equity | $27,991,800 | 2,414 |
| Average total loans | $187,113,400 | 2,143 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6387% | 5,039 |
| Cost of funding earning assets | 0.4188% | 3,590 |
| Net interest margin | 3.2199% | 4,894 |
| Noninterest income to average assets | 0.0965% | 6,258 |
| Noninterest expense to average assets | 2.7357% | 3,691 |
| Loan and lease loss provision to assets | 0.1564% | 1,591 |
| Net operating income to assets | 0.2003% | 5,849 |
| Return on assets (ROA) | 0.2132% | 5,877 |
| Pretax return on assets | 0.3675% | 5,646 |
| Return on Equity (ROE) | 1.9757% | 5,851 |
| Retained earnings to average equity (ytd only) | 1.9757% | 5,072 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.4487% | 1,337 |
| Assets per employee ($millions) | 6.7359% | 898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0851% | 4,817 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 70.2422% | 2,157 |
| Net loans and leases to deposits | 80.1031% | 2,673 |
| Net loans and leases to core deposits | 86.8243% | 2,567 |
| Total domestic deposits to total assets | 87.6898% | 1,926 |
| Equity capital to assets | 10.2643% | 3,837 |
| Core capital (leverage) ratio | 10.0622% | 3,581 |
| Tier 1 risk-based capital ratio | 13.3580% | 4,637 |
| Total risk-based capital ratio | 14.3817% | 4,708 |
| Memoranda: | ||
| Average total assets | $258,310,750 | 2,468 |
| Average earning assets | $252,131,750 | 2,340 |
| Average equity | $27,871,250 | 2,428 |
| Average total loans | $181,396,500 | 2,227 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5706% | 5,232 |
| Cost of funding earning assets | 0.4056% | 3,816 |
| Net interest margin | 3.1650% | 5,053 |
| Noninterest income to average assets | 0.0880% | 6,325 |
| Noninterest expense to average assets | 2.8713% | 3,260 |
| Loan and lease loss provision to assets | 0.1339% | 1,846 |
| Net operating income to assets | 0.0967% | 6,051 |
| Return on assets (ROA) | 0.1165% | 6,057 |
| Pretax return on assets | 0.1997% | 5,948 |
| Return on Equity (ROE) | 1.0609% | 6,044 |
| Retained earnings to average equity (ytd only) | 1.0609% | 5,335 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.4619% | 881 |
| Assets per employee ($millions) | 6.5156% | 999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0321% | 5,201 |
| Loan loss allowance to noncurrent loans | 463.7209% | 998 |
| Noncurrent assets plus other real estate owned to assets | 0.1650% | 5,655 |
| Noncurrent loans to loans | 0.2226% | 5,336 |
| Net loans and leases to total assets | 73.3606% | 1,525 |
| Net loans and leases to deposits | 92.4872% | 1,097 |
| Net loans and leases to core deposits | 99.0304% | 1,366 |
| Total domestic deposits to total assets | 79.3197% | 5,381 |
| Equity capital to assets | 10.8178% | 3,069 |
| Core capital (leverage) ratio | 10.9387% | 2,483 |
| Tier 1 risk-based capital ratio | 13.9203% | 4,305 |
| Total risk-based capital ratio | 14.9257% | 4,423 |
| Memoranda: | ||
| Average total assets | $252,357,670 | 2,522 |
| Average earning assets | $246,063,670 | 2,387 |
| Average equity | $27,712,670 | 2,427 |
| Average total loans | $176,490,000 | 2,275 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5189% | 5,372 |
| Cost of funding earning assets | 0.4046% | 3,916 |
| Net interest margin | 3.1143% | 5,194 |
| Noninterest income to average assets | 0.0935% | 6,355 |
| Noninterest expense to average assets | 2.6831% | 3,990 |
| Loan and lease loss provision to assets | 0.0564% | 2,983 |
| Net operating income to assets | 0.2288% | 5,718 |
| Return on assets (ROA) | 0.2288% | 5,772 |
| Pretax return on assets | 0.3932% | 5,480 |
| Return on Equity (ROE) | 2.0676% | 5,765 |
| Retained earnings to average equity (ytd only) | 2.0676% | 4,776 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6481% | 1,484 |
| Assets per employee ($millions) | 6.0074% | 1,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0836% | 5,191 |
| Loan loss allowance to noncurrent loans | 432.5581% | 1,078 |
| Noncurrent assets plus other real estate owned to assets | 0.1704% | 5,724 |
| Noncurrent loans to loans | 0.2505% | 5,353 |
| Net loans and leases to total assets | 67.2953% | 2,338 |
| Net loans and leases to deposits | 79.4072% | 2,380 |
| Net loans and leases to core deposits | 84.4200% | 2,469 |
| Total domestic deposits to total assets | 84.7471% | 3,973 |
| Equity capital to assets | 11.0573% | 2,673 |
| Core capital (leverage) ratio | 11.2909% | 2,146 |
| Tier 1 risk-based capital ratio | 14.9189% | 3,756 |
| Total risk-based capital ratio | 15.9284% | 3,852 |
| Memoranda: | ||
| Average total assets | $248,224,000 | 2,576 |
| Average earning assets | $242,236,000 | 2,419 |
| Average equity | $27,472,000 | 2,438 |
| Average total loans | $168,140,000 | 2,362 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6226% | 5,351 |
| Cost of funding earning assets | 0.3627% | 5,024 |
| Net interest margin | 3.2599% | 4,807 |
| Noninterest income to average assets | 0.1434% | 6,224 |
| Noninterest expense to average assets | 2.7900% | 3,760 |
| Loan and lease loss provision to assets | 0.1518% | 2,381 |
| Net operating income to assets | 0.2262% | 5,758 |
| Return on assets (ROA) | 0.2392% | 5,783 |
| Pretax return on assets | 0.3984% | 5,501 |
| Return on Equity (ROE) | 2.3293% | 5,729 |
| Retained earnings to average equity (ytd only) | 2.3293% | 4,592 |
| Net charge-offs to loans | -0.0007% | 5,823 |
| Credit loss provision to net charge-offs | -34,400.0000% | 6,429 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0377% | 1,621 |
| Assets per employee ($millions) | 5.8128% | 1,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1086% | 5,105 |
| Loan loss allowance to noncurrent loans | 411.0360% | 1,132 |
| Noncurrent assets plus other real estate owned to assets | 0.1819% | 5,771 |
| Noncurrent loans to loans | 0.2697% | 5,372 |
| Net loans and leases to total assets | 66.6846% | 2,579 |
| Net loans and leases to deposits | 76.9355% | 2,864 |
| Net loans and leases to core deposits | 79.2312% | 3,214 |
| Total domestic deposits to total assets | 86.6759% | 2,887 |
| Equity capital to assets | 11.0778% | 2,545 |
| Core capital (leverage) ratio | 10.9958% | 2,392 |
| Tier 1 risk-based capital ratio | 14.9816% | 3,680 |
| Total risk-based capital ratio | 16.0055% | 3,753 |
| Memoranda: | ||
| Average total assets | $226,631,400 | 2,751 |
| Average earning assets | $220,835,400 | 2,609 |
| Average equity | $23,268,800 | 2,793 |
| Average total loans | $140,649,600 | 2,681 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6479% | 5,305 |
| Cost of funding earning assets | 0.3671% | 5,125 |
| Net interest margin | 3.2808% | 4,714 |
| Noninterest income to average assets | 0.1458% | 6,301 |
| Noninterest expense to average assets | 2.8237% | 3,579 |
| Loan and lease loss provision to assets | 0.0924% | 3,228 |
| Net operating income to assets | 0.2535% | 5,770 |
| Return on assets (ROA) | 0.2712% | 5,814 |
| Pretax return on assets | 0.4523% | 5,491 |
| Return on Equity (ROE) | 2.6995% | 5,713 |
| Retained earnings to average equity (ytd only) | 2.6995% | 4,700 |
| Net charge-offs to loans | -0.0010% | 5,655 |
| Credit loss provision to net charge-offs | -15,400.0000% | 6,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.5215% | 1,534 |
| Assets per employee ($millions) | 6.1221% | 1,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1243% | 5,230 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 61.8055% | 3,394 |
| Net loans and leases to deposits | 69.9099% | 3,799 |
| Net loans and leases to core deposits | 72.0561% | 4,084 |
| Total domestic deposits to total assets | 88.4073% | 1,887 |
| Equity capital to assets | 11.2445% | 2,519 |
| Core capital (leverage) ratio | 10.7581% | 2,715 |
| Tier 1 risk-based capital ratio | 15.5753% | 3,432 |
| Total risk-based capital ratio | 16.5938% | 3,495 |
| Memoranda: | ||
| Average total assets | $222,255,250 | 2,811 |
| Average earning assets | $216,449,000 | 2,669 |
| Average equity | $22,324,750 | 2,925 |
| Average total loans | $134,655,500 | 2,790 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6157% | 5,385 |
| Cost of funding earning assets | 0.3859% | 5,072 |
| Net interest margin | 3.2298% | 4,837 |
| Noninterest income to average assets | 0.1508% | 6,294 |
| Noninterest expense to average assets | 2.8931% | 3,356 |
| Loan and lease loss provision to assets | 0.0530% | 3,930 |
| Net operating income to assets | 0.2080% | 5,870 |
| Return on assets (ROA) | 0.2349% | 5,934 |
| Pretax return on assets | 0.3912% | 5,657 |
| Return on Equity (ROE) | 2.4422% | 5,817 |
| Retained earnings to average equity (ytd only) | 2.4422% | 4,745 |
| Net charge-offs to loans | -0.0015% | 5,515 |
| Credit loss provision to net charge-offs | -5,800.0000% | 6,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7947% | 1,240 |
| Assets per employee ($millions) | 6.0532% | 1,170 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1265% | 5,341 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 60.3112% | 3,606 |
| Net loans and leases to deposits | 67.5817% | 4,070 |
| Net loans and leases to core deposits | 69.7168% | 4,299 |
| Total domestic deposits to total assets | 89.2419% | 1,486 |
| Equity capital to assets | 10.4626% | 3,352 |
| Core capital (leverage) ratio | 9.9165% | 3,637 |
| Tier 1 risk-based capital ratio | 14.7245% | 3,959 |
| Total risk-based capital ratio | 15.7417% | 4,066 |
| Memoranda: | ||
| Average total assets | $218,794,330 | 2,858 |
| Average earning assets | $213,015,670 | 2,708 |
| Average equity | $21,046,670 | 3,088 |
| Average total loans | $131,068,000 | 2,859 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5557% | 5,570 |
| Cost of funding earning assets | 0.3666% | 5,398 |
| Net interest margin | 3.1891% | 4,962 |
| Noninterest income to average assets | 0.1406% | 6,401 |
| Noninterest expense to average assets | 2.9324% | 3,220 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.1887% | 5,924 |
| Return on assets (ROA) | 0.1887% | 6,038 |
| Pretax return on assets | 0.3145% | 5,826 |
| Return on Equity (ROE) | 2.0551% | 5,921 |
| Retained earnings to average equity (ytd only) | 2.0551% | 4,975 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3134% | 1,119 |
| Assets per employee ($millions) | 6.2191% | 1,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 5,451 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 55.8714% | 4,105 |
| Net loans and leases to deposits | 61.3161% | 4,642 |
| Net loans and leases to core deposits | 63.1510% | 4,832 |
| Total domestic deposits to total assets | 91.1202% | 479 |
| Equity capital to assets | 8.6295% | 5,880 |
| Core capital (leverage) ratio | 8.4300% | 5,663 |
| Tier 1 risk-based capital ratio | 12.6236% | 5,498 |
| Total risk-based capital ratio | 13.6345% | 5,605 |
| Memoranda: | ||
| Average total assets | $216,206,500 | 2,920 |
| Average earning assets | $210,589,500 | 2,765 |
| Average equity | $19,853,500 | 3,257 |
| Average total loans | $128,293,000 | 2,920 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8363% | 5,747 |
| Cost of funding earning assets | 0.2953% | 6,479 |
| Net interest margin | 3.5410% | 4,339 |
| Noninterest income to average assets | 0.1141% | 6,456 |
| Noninterest expense to average assets | 3.0964% | 2,934 |
| Loan and lease loss provision to assets | 0.1158% | 4,180 |
| Net operating income to assets | 1.0095% | 2,294 |
| Return on assets (ROA) | 1.0095% | 2,512 |
| Pretax return on assets | 0.3597% | 5,684 |
| Return on Equity (ROE) | 9.6101% | 2,358 |
| Retained earnings to average equity (ytd only) | 9.6101% | 673 |
| Net charge-offs to loans | -0.0065% | 6,415 |
| Credit loss provision to net charge-offs | -2,942.8571% | 6,655 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6876% | 1,355 |
| Assets per employee ($millions) | 5.3238% | 1,868 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1696% | 5,267 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 61.8182% | 3,283 |
| Net loans and leases to deposits | 68.7082% | 3,873 |
| Net loans and leases to core deposits | 70.6988% | 4,202 |
| Total domestic deposits to total assets | 89.9721% | 966 |
| Equity capital to assets | 9.8119% | 4,435 |
| Core capital (leverage) ratio | 9.2612% | 4,485 |
| Tier 1 risk-based capital ratio | 13.2513% | 4,933 |
| Total risk-based capital ratio | 14.3148% | 5,009 |
| Memoranda: | ||
| Average total assets | $177,916,600 | 3,336 |
| Average earning assets | $173,737,000 | 3,175 |
| Average equity | $18,688,600 | 3,375 |
| Average total loans | $107,407,200 | 3,346 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8672% | 5,866 |
| Cost of funding earning assets | 0.2841% | 6,678 |
| Net interest margin | 3.5831% | 4,304 |
| Noninterest income to average assets | 0.1218% | 6,525 |
| Noninterest expense to average assets | 3.0396% | 3,097 |
| Loan and lease loss provision to assets | 0.1474% | 3,696 |
| Net operating income to assets | 0.6798% | 4,010 |
| Return on assets (ROA) | 0.6798% | 4,271 |
| Pretax return on assets | 0.4384% | 5,630 |
| Return on Equity (ROE) | 6.3483% | 4,140 |
| Retained earnings to average equity (ytd only) | 6.3483% | 2,458 |
| Net charge-offs to loans | -0.0078% | 6,320 |
| Credit loss provision to net charge-offs | -3,166.6667% | 6,641 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.8399% | 1,610 |
| Assets per employee ($millions) | 5.1541% | 1,991 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2102% | 5,237 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 62.6274% | 3,273 |
| Net loans and leases to deposits | 69.7978% | 3,920 |
| Net loans and leases to core deposits | 71.9507% | 4,257 |
| Total domestic deposits to total assets | 89.7268% | 987 |
| Equity capital to assets | 10.0214% | 4,463 |
| Core capital (leverage) ratio | 9.7548% | 3,868 |
| Tier 1 risk-based capital ratio | 13.9750% | 4,545 |
| Total risk-based capital ratio | 15.0931% | 4,615 |
| Memoranda: | ||
| Average total assets | $171,819,250 | 3,454 |
| Average earning assets | $168,005,500 | 3,287 |
| Average equity | $18,398,250 | 3,452 |
| Average total loans | $102,623,500 | 3,494 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8504% | 6,031 |
| Cost of funding earning assets | 0.2657% | 6,853 |
| Net interest margin | 3.5847% | 4,329 |
| Noninterest income to average assets | 0.1365% | 6,508 |
| Noninterest expense to average assets | 3.0436% | 3,113 |
| Loan and lease loss provision to assets | 0.1559% | 3,569 |
| Net operating income to assets | 0.6646% | 4,038 |
| Return on assets (ROA) | 0.6646% | 4,301 |
| Pretax return on assets | 0.4422% | 5,592 |
| Return on Equity (ROE) | 6.0570% | 4,298 |
| Retained earnings to average equity (ytd only) | 6.0570% | 2,682 |
| Net charge-offs to loans | -0.0124% | 6,325 |
| Credit loss provision to net charge-offs | -2,150.0000% | 6,503 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.5766% | 1,675 |
| Assets per employee ($millions) | 4.8549% | 2,352 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2430% | 5,151 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 63.7330% | 3,094 |
| Net loans and leases to deposits | 73.8484% | 3,319 |
| Net loans and leases to core deposits | 76.5067% | 3,715 |
| Total domestic deposits to total assets | 86.3025% | 3,191 |
| Equity capital to assets | 10.6353% | 3,533 |
| Core capital (leverage) ratio | 10.7431% | 2,551 |
| Tier 1 risk-based capital ratio | 14.8615% | 3,856 |
| Total risk-based capital ratio | 16.0221% | 3,883 |
| Memoranda: | ||
| Average total assets | $165,525,330 | 3,576 |
| Average earning assets | $161,852,670 | 3,387 |
| Average equity | $18,160,670 | 3,474 |
| Average total loans | $96,533,330 | 3,654 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7600% | 6,323 |
| Cost of funding earning assets | 0.2617% | 6,975 |
| Net interest margin | 3.4983% | 4,709 |
| Noninterest income to average assets | 0.1367% | 6,565 |
| Noninterest expense to average assets | 3.0131% | 3,193 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7607% | 3,572 |
| Return on assets (ROA) | 0.7607% | 3,807 |
| Pretax return on assets | 0.5469% | 5,297 |
| Return on Equity (ROE) | 6.8201% | 3,882 |
| Retained earnings to average equity (ytd only) | 6.8201% | 2,521 |
| Net charge-offs to loans | -0.0136% | 6,047 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.6369% | 1,620 |
| Assets per employee ($millions) | 6.1497% | 1,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3735% | 4,713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 57.0360% | 4,215 |
| Net loans and leases to deposits | 64.5252% | 4,558 |
| Net loans and leases to core deposits | 66.8710% | 4,819 |
| Total domestic deposits to total assets | 88.3934% | 2,073 |
| Equity capital to assets | 11.3645% | 2,565 |
| Core capital (leverage) ratio | 11.1256% | 2,165 |
| Tier 1 risk-based capital ratio | 17.3263% | 2,539 |
| Total risk-based capital ratio | 18.5692% | 2,516 |
| Memoranda: | ||
| Average total assets | $160,900,000 | 3,668 |
| Average earning assets | $157,448,000 | 3,480 |
| Average equity | $17,947,000 | 3,508 |
| Average total loans | $88,404,000 | 3,872 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0028% | 6,446 |
| Cost of funding earning assets | 0.2951% | 7,115 |
| Net interest margin | 3.7077% | 4,264 |
| Noninterest income to average assets | 0.1558% | 6,373 |
| Noninterest expense to average assets | 3.6875% | 1,560 |
| Loan and lease loss provision to assets | 0.0801% | 5,613 |
| Net operating income to assets | 0.2565% | 5,412 |
| Return on assets (ROA) | 0.8583% | 2,934 |
| Pretax return on assets | 0.6099% | 4,666 |
| Return on Equity (ROE) | 6.7700% | 3,511 |
| Retained earnings to average equity (ytd only) | 6.7700% | 1,608 |
| Net charge-offs to loans | -0.0956% | 7,131 |
| Credit loss provision to net charge-offs | -151.3889% | 6,728 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.6645% | 740 |
| Assets per employee ($millions) | 5.7824% | 1,389 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5022% | 4,016 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 51.3100% | 5,425 |
| Net loans and leases to deposits | 57.7784% | 5,716 |
| Net loans and leases to core deposits | 59.7761% | 5,871 |
| Total domestic deposits to total assets | 88.8048% | 1,657 |
| Equity capital to assets | 10.9463% | 3,031 |
| Core capital (leverage) ratio | 11.3019% | 2,035 |
| Tier 1 risk-based capital ratio | 18.1089% | 2,153 |
| Total risk-based capital ratio | 19.3594% | 2,128 |
| Memoranda: | ||
| Average total assets | $136,082,200 | 4,054 |
| Average earning assets | $132,858,200 | 3,873 |
| Average equity | $17,252,600 | 3,541 |
| Average total loans | $75,339,200 | 4,298 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1510% | 6,314 |
| Cost of funding earning assets | 0.3005% | 7,209 |
| Net interest margin | 3.8505% | 3,612 |
| Noninterest income to average assets | 0.1255% | 6,626 |
| Noninterest expense to average assets | 3.8572% | 1,215 |
| Loan and lease loss provision to assets | 0.1121% | 5,025 |
| Net operating income to assets | -0.0885% | 6,270 |
| Return on assets (ROA) | 0.7529% | 3,533 |
| Pretax return on assets | 0.7539% | 4,299 |
| Return on Equity (ROE) | 5.6958% | 4,181 |
| Retained earnings to average equity (ytd only) | 5.6958% | 2,748 |
| Net charge-offs to loans | 0.2499% | 3,866 |
| Credit loss provision to net charge-offs | 79.5620% | 4,152 |
| Earnings coverage of net charge-offs (x) | 0.1752% | 5,470 |
| Efficiency ratio | 99.3641% | 678 |
| Assets per employee ($millions) | 6.3603% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4374% | 4,385 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 49.5926% | 5,759 |
| Net loans and leases to deposits | 56.5898% | 5,972 |
| Net loans and leases to core deposits | 58.7868% | 6,068 |
| Total domestic deposits to total assets | 87.6352% | 2,272 |
| Equity capital to assets | 12.0319% | 2,222 |
| Core capital (leverage) ratio | 12.3595% | 1,506 |
| Tier 1 risk-based capital ratio | 20.1373% | 1,654 |
| Total risk-based capital ratio | 21.3849% | 1,624 |
| Memoranda: | ||
| Average total assets | $129,625,750 | 4,206 |
| Average earning assets | $126,457,500 | 4,029 |
| Average equity | $17,135,000 | 3,563 |
| Average total loans | $73,088,500 | 4,415 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3509% | 5,845 |
| Cost of funding earning assets | 0.3142% | 7,287 |
| Net interest margin | 4.0367% | 2,665 |
| Noninterest income to average assets | 0.1290% | 6,677 |
| Noninterest expense to average assets | 4.0122% | 1,032 |
| Loan and lease loss provision to assets | 0.1757% | 4,165 |
| Net operating income to assets | -0.1257% | 6,381 |
| Return on assets (ROA) | 0.7995% | 3,203 |
| Pretax return on assets | 0.8011% | 4,024 |
| Return on Equity (ROE) | 5.8423% | 4,043 |
| Retained earnings to average equity (ytd only) | 5.8423% | 2,520 |
| Net charge-offs to loans | 0.4059% | 2,928 |
| Credit loss provision to net charge-offs | 73.6486% | 3,958 |
| Earnings coverage of net charge-offs (x) | 0.2162% | 5,150 |
| Efficiency ratio | 98.7307% | 766 |
| Assets per employee ($millions) | 5.5549% | 1,523 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4259% | 4,457 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 56.6530% | 4,876 |
| Net loans and leases to deposits | 65.8302% | 5,023 |
| Net loans and leases to core deposits | 68.8268% | 5,209 |
| Total domestic deposits to total assets | 86.0592% | 3,294 |
| Equity capital to assets | 13.5134% | 1,285 |
| Core capital (leverage) ratio | 12.8936% | 1,202 |
| Tier 1 risk-based capital ratio | 20.7799% | 1,459 |
| Total risk-based capital ratio | 22.0312% | 1,436 |
| Memoranda: | ||
| Average total assets | $124,072,330 | 4,345 |
| Average earning assets | $120,941,670 | 4,169 |
| Average equity | $16,979,670 | 3,573 |
| Average total loans | $72,916,330 | 4,464 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3483% | 5,862 |
| Cost of funding earning assets | 0.3120% | 7,369 |
| Net interest margin | 4.0363% | 2,536 |
| Noninterest income to average assets | 0.1473% | 6,672 |
| Noninterest expense to average assets | 3.8486% | 1,248 |
| Loan and lease loss provision to assets | 0.0687% | 5,133 |
| Net operating income to assets | 0.1636% | 5,907 |
| Return on assets (ROA) | 1.0898% | 1,919 |
| Pretax return on assets | 1.0930% | 2,781 |
| Return on Equity (ROE) | 7.9111% | 2,953 |
| Retained earnings to average equity (ytd only) | 7.9111% | 1,771 |
| Net charge-offs to loans | -0.1652% | 7,217 |
| Credit loss provision to net charge-offs | -70.0000% | 5,677 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.2308% | 1,028 |
| Assets per employee ($millions) | 5.0289% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5275% | 4,065 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,222 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 58.2996% | 4,593 |
| Net loans and leases to deposits | 67.6063% | 4,726 |
| Net loans and leases to core deposits | 72.1183% | 4,773 |
| Total domestic deposits to total assets | 86.2340% | 3,377 |
| Equity capital to assets | 13.4017% | 1,219 |
| Core capital (leverage) ratio | 13.4713% | 977 |
| Tier 1 risk-based capital ratio | 20.8641% | 1,422 |
| Total risk-based capital ratio | 22.1159% | 1,397 |
| Memoranda: | ||
| Average total assets | $122,227,500 | 4,411 |
| Average earning assets | $119,219,500 | 4,236 |
| Average equity | $16,837,000 | 3,588 |
| Average total loans | $72,660,500 | 4,530 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5377% | 6,290 |
| Cost of funding earning assets | 0.5248% | 7,263 |
| Net interest margin | 4.0129% | 2,960 |
| Noninterest income to average assets | 0.0982% | 6,906 |
| Noninterest expense to average assets | 4.0303% | 1,120 |
| Loan and lease loss provision to assets | 0.5581% | 2,894 |
| Net operating income to assets | -0.5782% | 6,435 |
| Return on assets (ROA) | -0.5782% | 6,465 |
| Pretax return on assets | -0.5737% | 6,379 |
| Return on Equity (ROE) | -3.6918% | 6,338 |
| Retained earnings to average equity (ytd only) | -3.6918% | 6,178 |
| Net charge-offs to loans | 0.2288% | 4,913 |
| Credit loss provision to net charge-offs | 457.1429% | 501 |
| Earnings coverage of net charge-offs (x) | -0.1278% | 6,244 |
| Efficiency ratio | 100.3887% | 761 |
| Assets per employee ($millions) | 4.7493% | 2,487 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5320% | 3,855 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,281 |
| Noncurrent loans to loans | 0.0000% | 7,175 |
| Net loans and leases to total assets | 58.7895% | 4,898 |
| Net loans and leases to deposits | 68.7535% | 4,993 |
| Net loans and leases to core deposits | 73.3422% | 5,058 |
| Total domestic deposits to total assets | 85.5077% | 3,596 |
| Equity capital to assets | 14.1706% | 989 |
| Core capital (leverage) ratio | 13.3936% | 1,005 |
| Tier 1 risk-based capital ratio | 20.6270% | 1,377 |
| Total risk-based capital ratio | 21.8780% | 1,360 |
| Memoranda: | ||
| Average total assets | $108,949,600 | 4,745 |
| Average earning assets | $106,330,800 | 4,554 |
| Average equity | $17,065,000 | 3,582 |
| Average total loans | $58,124,200 | 5,150 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3478% | 6,900 |
| Cost of funding earning assets | 0.5594% | 7,367 |
| Net interest margin | 3.7885% | 4,017 |
| Noninterest income to average assets | 0.1027% | 7,035 |
| Noninterest expense to average assets | 3.9685% | 1,082 |
| Loan and lease loss provision to assets | 0.6698% | 2,281 |
| Net operating income to assets | -0.8450% | 6,811 |
| Return on assets (ROA) | -0.8450% | 6,852 |
| Pretax return on assets | -0.8388% | 6,768 |
| Return on Equity (ROE) | -5.2554% | 6,666 |
| Retained earnings to average equity (ytd only) | -5.2554% | 6,575 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.4481% | 627 |
| Assets per employee ($millions) | 4.6349% | 2,699 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7507% | 2,988 |
| Loan loss allowance to noncurrent loans | 496.1039% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.1994% | 6,868 |
| Noncurrent loans to loans | 0.3529% | 6,492 |
| Net loans and leases to total assets | 55.5026% | 5,623 |
| Net loans and leases to deposits | 65.2788% | 5,745 |
| Net loans and leases to core deposits | 71.5683% | 5,564 |
| Total domestic deposits to total assets | 85.0240% | 3,609 |
| Equity capital to assets | 14.6506% | 980 |
| Core capital (leverage) ratio | 13.8600% | 951 |
| Tier 1 risk-based capital ratio | 21.7969% | 1,236 |
| Total risk-based capital ratio | 23.0503% | 1,210 |
| Memoranda: | ||
| Average total assets | $106,504,000 | 4,874 |
| Average earning assets | $103,927,000 | 4,671 |
| Average equity | $17,125,000 | 3,617 |
| Average total loans | $54,933,250 | 5,345 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1911% | 7,182 |
| Cost of funding earning assets | 0.6199% | 7,364 |
| Net interest margin | 3.5711% | 4,942 |
| Noninterest income to average assets | 0.0967% | 7,108 |
| Noninterest expense to average assets | 3.8982% | 1,187 |
| Loan and lease loss provision to assets | 0.9886% | 1,472 |
| Net operating income to assets | -1.3116% | 7,070 |
| Return on assets (ROA) | -1.3116% | 7,090 |
| Pretax return on assets | -1.3020% | 7,011 |
| Return on Equity (ROE) | -7.8953% | 6,882 |
| Retained earnings to average equity (ytd only) | -7.8953% | 6,806 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.7426% | 572 |
| Assets per employee ($millions) | 5.9285% | 1,279 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8279% | 2,637 |
| Loan loss allowance to noncurrent loans | 353.9432% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.2814% | 6,711 |
| Noncurrent loans to loans | 0.5164% | 6,221 |
| Net loans and leases to total assets | 53.4965% | 6,048 |
| Net loans and leases to deposits | 63.2110% | 6,117 |
| Net loans and leases to core deposits | 69.7007% | 5,904 |
| Total domestic deposits to total assets | 84.6317% | 3,803 |
| Equity capital to assets | 15.0531% | 868 |
| Core capital (leverage) ratio | 14.7303% | 780 |
| Tier 1 risk-based capital ratio | 22.8228% | 1,084 |
| Total risk-based capital ratio | 24.0898% | 1,067 |
| Memoranda: | ||
| Average total assets | $103,381,330 | 4,982 |
| Average earning assets | $100,976,670 | 4,779 |
| Average equity | $17,174,670 | 3,606 |
| Average total loans | $51,425,000 | 5,548 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9998% | 7,454 |
| Cost of funding earning assets | 0.6355% | 7,481 |
| Net interest margin | 3.3643% | 5,736 |
| Noninterest income to average assets | 0.1418% | 6,960 |
| Noninterest expense to average assets | 3.9615% | 1,086 |
| Loan and lease loss provision to assets | 0.4537% | 2,697 |
| Net operating income to assets | -1.0126% | 7,108 |
| Return on assets (ROA) | -1.0126% | 7,130 |
| Pretax return on assets | -0.9924% | 7,044 |
| Return on Equity (ROE) | -5.7857% | 6,928 |
| Retained earnings to average equity (ytd only) | -5.7857% | 6,645 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.7396% | 501 |
| Assets per employee ($millions) | 5.5500% | 1,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4201% | 4,322 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 47.5941% | 6,710 |
| Net loans and leases to deposits | 57.0980% | 6,689 |
| Net loans and leases to core deposits | 63.0883% | 6,519 |
| Total domestic deposits to total assets | 83.3551% | 4,452 |
| Equity capital to assets | 16.3120% | 630 |
| Core capital (leverage) ratio | 16.8372% | 468 |
| Tier 1 risk-based capital ratio | 26.9310% | 714 |
| Total risk-based capital ratio | 28.1058% | 702 |
| Memoranda: | ||
| Average total assets | $98,751,500 | 5,185 |
| Average earning assets | $96,305,500 | 4,976 |
| Average equity | $17,284,000 | 3,607 |
| Average total loans | $46,447,000 | 5,822 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8581% | 7,748 |
| Cost of funding earning assets | 0.7371% | 7,643 |
| Net interest margin | 3.1210% | 6,311 |
| Noninterest income to average assets | 0.2280% | 6,487 |
| Noninterest expense to average assets | 5.0726% | 491 |
| Loan and lease loss provision to assets | 0.5810% | 3,477 |
| Net operating income to assets | -2.4800% | 7,262 |
| Return on assets (ROA) | -2.4800% | 7,262 |
| Pretax return on assets | -2.4311% | 7,124 |
| Return on Equity (ROE) | -10.1884% | 6,642 |
| Retained earnings to average equity (ytd only) | -10.1884% | 6,539 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 157.4136% | 265 |
| Assets per employee ($millions) | 4.6027% | 2,762 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4554% | 3,945 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 44.9437% | 7,059 |
| Net loans and leases to deposits | 55.6831% | 6,938 |
| Net loans and leases to core deposits | 63.8289% | 7,098 |
| Total domestic deposits to total assets | 80.7133% | 5,435 |
| Equity capital to assets | 18.8663% | 378 |
| Core capital (leverage) ratio | 19.1262% | 332 |
| Tier 1 risk-based capital ratio | 33.3274% | 398 |
| Total risk-based capital ratio | 34.5394% | 389 |
| Memoranda: | ||
| Average total assets | $73,670,000 | 5,899 |
| Average earning assets | $70,682,800 | 5,791 |
| Average equity | $17,932,200 | 3,511 |
| Average total loans | $29,597,400 | 6,648 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7507% | 7,880 |
| Cost of funding earning assets | 0.7688% | 7,737 |
| Net interest margin | 2.9820% | 6,651 |
| Noninterest income to average assets | 0.0618% | 7,600 |
| Noninterest expense to average assets | 5.3352% | 398 |
| Loan and lease loss provision to assets | 0.3378% | 4,309 |
| Net operating income to assets | -2.8201% | 7,547 |
| Return on assets (ROA) | -2.8201% | 7,549 |
| Pretax return on assets | -2.7660% | 7,441 |
| Return on Equity (ROE) | -10.7779% | 6,941 |
| Retained earnings to average equity (ytd only) | -10.7779% | 6,869 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 183.5325% | 187 |
| Assets per employee ($millions) | 4.8437% | 2,342 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0007% | 6,285 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 40.6212% | 7,430 |
| Net loans and leases to deposits | 51.2318% | 7,350 |
| Net loans and leases to core deposits | 55.9291% | 7,544 |
| Total domestic deposits to total assets | 79.2891% | 5,698 |
| Equity capital to assets | 20.1902% | 327 |
| Core capital (leverage) ratio | 20.7241% | 275 |
| Tier 1 risk-based capital ratio | 39.3378% | 293 |
| Total risk-based capital ratio | 40.1581% | 294 |
| Memoranda: | ||
| Average total assets | $69,074,250 | 6,072 |
| Average earning assets | $65,905,500 | 5,968 |
| Average equity | $18,073,500 | 3,524 |
| Average total loans | $26,501,000 | 6,881 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6274% | 8,009 |
| Cost of funding earning assets | 0.7915% | 7,829 |
| Net interest margin | 2.8359% | 6,943 |
| Noninterest income to average assets | 0.0666% | 7,652 |
| Noninterest expense to average assets | 6.0948% | 309 |
| Loan and lease loss provision to assets | 0.2887% | 4,268 |
| Net operating income to assets | -3.6931% | 7,787 |
| Return on assets (ROA) | -3.6931% | 7,788 |
| Pretax return on assets | -3.6455% | 7,699 |
| Return on Equity (ROE) | -12.7699% | 7,215 |
| Retained earnings to average equity (ytd only) | -12.7699% | 7,101 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 222.5956% | 151 |
| Assets per employee ($millions) | 4.6260% | 2,561 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0009% | 6,238 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 36.6164% | 7,685 |
| Net loans and leases to deposits | 48.5047% | 7,547 |
| Net loans and leases to core deposits | 55.1089% | 7,631 |
| Total domestic deposits to total assets | 75.4904% | 6,663 |
| Equity capital to assets | 23.7192% | 235 |
| Core capital (leverage) ratio | 25.6202% | 193 |
| Tier 1 risk-based capital ratio | 47.6963% | 202 |
| Total risk-based capital ratio | 48.4446% | 203 |
| Memoranda: | ||
| Average total assets | $63,037,000 | 6,328 |
| Average earning assets | $59,380,670 | 6,258 |
| Average equity | $18,230,330 | 3,518 |
| Average total loans | $23,410,000 | 7,120 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4864% | 8,094 |
| Cost of funding earning assets | 0.8029% | 7,907 |
| Net interest margin | 2.6835% | 7,241 |
| Noninterest income to average assets | 0.0417% | 7,877 |
| Noninterest expense to average assets | 4.8238% | 546 |
| Loan and lease loss provision to assets | 0.4309% | 2,772 |
| Net operating income to assets | -2.6343% | 7,793 |
| Return on assets (ROA) | -2.6343% | 7,788 |
| Pretax return on assets | -2.6343% | 7,688 |
| Return on Equity (ROE) | -8.1648% | 7,248 |
| Retained earnings to average equity (ytd only) | -8.1648% | 6,931 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 184.0849% | 229 |
| Assets per employee ($millions) | 3.7655% | 4,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9999% | 6,185 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 40.2636% | 7,551 |
| Net loans and leases to deposits | 58.2187% | 7,020 |
| Net loans and leases to core deposits | 64.8159% | 7,283 |
| Total domestic deposits to total assets | 69.1591% | 7,497 |
| Equity capital to assets | 30.5952% | 139 |
| Core capital (leverage) ratio | 31.3475% | 141 |
| Tier 1 risk-based capital ratio | 54.7429% | 162 |
| Total risk-based capital ratio | 55.4779% | 167 |
| Memoranda: | ||
| Average total assets | $57,547,500 | 6,558 |
| Average earning assets | $55,301,000 | 6,445 |
| Average equity | $18,567,500 | 3,476 |
| Average total loans | $21,427,000 | 7,282 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7453% | 8,190 |
| Cost of funding earning assets | 0.7248% | 8,138 |
| Net interest margin | 2.0205% | 8,050 |
| Noninterest income to average assets | 0.0296% | 7,986 |
| Noninterest expense to average assets | 6.2071% | 375 |
| Loan and lease loss provision to assets | 0.4520% | 3,030 |
| Net operating income to assets | -4.7177% | 8,066 |
| Return on assets (ROA) | -4.7177% | 8,051 |
| Pretax return on assets | -4.7152% | 7,991 |
| Return on Equity (ROE) | -9.8565% | 7,270 |
| Retained earnings to average equity (ytd only) | -9.8565% | 7,061 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 319.3139% | 91 |
| Assets per employee ($millions) | 3.4279% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9972% | 6,084 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 33.1249% | 7,913 |
| Net loans and leases to deposits | 50.4218% | 7,611 |
| Net loans and leases to core deposits | 55.7831% | 7,745 |
| Total domestic deposits to total assets | 65.6955% | 7,675 |
| Equity capital to assets | 34.0985% | 133 |
| Core capital (leverage) ratio | 37.3197% | 124 |
| Tier 1 risk-based capital ratio | 65.6782% | 133 |
| Total risk-based capital ratio | 66.3235% | 134 |
| Memoranda: | ||
| Average total assets | $40,485,750 | 7,191 |
| Average earning assets | $38,356,250 | 7,118 |
| Average equity | $19,378,000 | 3,331 |
| Average total loans | $7,646,500 | 8,048 |