Home > Guaranty Bank and Trust Company > Performance and Condition Ratios
Guaranty Bank and Trust Company, Performance and Condition Ratios
| 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 | 3.9297% | 3,585 |
| Cost of funding earning assets | 0.2626% | 4,459 |
| Net interest margin | 3.6670% | 2,880 |
| Noninterest income to average assets | 0.7037% | 1,983 |
| Noninterest expense to average assets | 4.0279% | 499 |
| Loan and lease loss provision to assets | 0.1806% | 1,107 |
| Net operating income to assets | 0.0177% | 5,504 |
| Return on assets (ROA) | 0.2346% | 5,333 |
| Pretax return on assets | 0.3501% | 5,260 |
| Return on Equity (ROE) | 2.0894% | 5,295 |
| Retained earnings to average equity (ytd only) | -24.0527% | 5,692 |
| Net charge-offs to loans | 0.1281% | 1,502 |
| Credit loss provision to net charge-offs | 188.8298% | 1,409 |
| Earnings coverage of net charge-offs (x) | 2.1649% | 3,499 |
| Efficiency ratio | 95.1099% | 265 |
| Assets per employee ($millions) | 4.5932% | 2,985 |
| Cash dividends to net income (ytd only)* | 1,251.1950% | 4 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2830% | 2,444 |
| Loan loss allowance to noncurrent loans | 136.6649% | 2,978 |
| Noncurrent assets plus other real estate owned to assets | 0.7371% | 2,292 |
| Noncurrent loans to loans | 0.9388% | 2,048 |
| Net loans and leases to total assets | 75.2642% | 1,716 |
| Net loans and leases to deposits | 91.1876% | 1,664 |
| Net loans and leases to core deposits | 92.5711% | 2,392 |
| Total domestic deposits to total assets | 82.5378% | 3,612 |
| Equity capital to assets | 9.7913% | 4,159 |
| Core capital (leverage) ratio | 9.6934% | 3,948 |
| Tier 1 risk-based capital ratio | 12.4423% | 4,356 |
| Total risk-based capital ratio | 13.6709% | 4,274 |
| Memoranda: | ||
| Average total assets | $262,029,750 | 2,413 |
| Average earning assets | $252,331,500 | 2,353 |
| Average equity | $29,418,000 | 2,416 |
| Average total loans | $195,623,750 | 2,200 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8865% | 3,600 |
| Cost of funding earning assets | 0.2646% | 4,424 |
| Net interest margin | 3.6219% | 2,942 |
| Noninterest income to average assets | 0.7791% | 1,650 |
| Noninterest expense to average assets | 3.3926% | 1,185 |
| Loan and lease loss provision to assets | 0.2693% | 591 |
| Net operating income to assets | 0.5884% | 4,356 |
| Return on assets (ROA) | 0.9453% | 2,749 |
| Pretax return on assets | 0.9741% | 3,668 |
| Return on Equity (ROE) | 8.0833% | 2,976 |
| Retained earnings to average equity (ytd only) | 8.0833% | 1,123 |
| Net charge-offs to loans | 0.1709% | 1,142 |
| Credit loss provision to net charge-offs | 212.5749% | 1,218 |
| Earnings coverage of net charge-offs (x) | 6.9102% | 2,660 |
| Efficiency ratio | 79.4881% | 1,273 |
| Assets per employee ($millions) | 4.6259% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2595% | 2,628 |
| Loan loss allowance to noncurrent loans | 134.5889% | 2,986 |
| Noncurrent assets plus other real estate owned to assets | 0.9565% | 1,835 |
| Noncurrent loans to loans | 0.9358% | 2,099 |
| Net loans and leases to total assets | 75.4289% | 1,625 |
| Net loans and leases to deposits | 93.8886% | 1,277 |
| Net loans and leases to core deposits | 95.4302% | 2,034 |
| Total domestic deposits to total assets | 80.3387% | 4,340 |
| Equity capital to assets | 12.1126% | 1,857 |
| Core capital (leverage) ratio | 11.9797% | 1,642 |
| Tier 1 risk-based capital ratio | 14.9938% | 2,925 |
| Total risk-based capital ratio | 16.1812% | 2,891 |
| Memoranda: | ||
| Average total assets | $263,633,670 | 2,415 |
| Average earning assets | $253,956,000 | 2,347 |
| Average equity | $30,829,000 | 2,308 |
| Average total loans | $195,462,000 | 2,210 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8047% | 3,753 |
| Cost of funding earning assets | 0.2520% | 4,517 |
| Net interest margin | 3.5527% | 3,078 |
| Noninterest income to average assets | 0.7617% | 1,702 |
| Noninterest expense to average assets | 3.2032% | 1,598 |
| Loan and lease loss provision to assets | 0.1214% | 1,578 |
| Net operating income to assets | 0.8270% | 3,089 |
| Return on assets (ROA) | 0.8270% | 3,144 |
| Pretax return on assets | 0.8604% | 3,895 |
| Return on Equity (ROE) | 7.2008% | 3,315 |
| Retained earnings to average equity (ytd only) | 7.2008% | 1,780 |
| Net charge-offs to loans | 0.0083% | 2,687 |
| Credit loss provision to net charge-offs | 2,000.0000% | 165 |
| Earnings coverage of net charge-offs (x) | 161.7500% | 335 |
| Efficiency ratio | 76.5410% | 1,825 |
| Assets per employee ($millions) | 4.7650% | 2,749 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2289% | 2,945 |
| Loan loss allowance to noncurrent loans | 88.9582% | 3,819 |
| Noncurrent assets plus other real estate owned to assets | 1.0422% | 1,745 |
| Noncurrent loans to loans | 1.3814% | 1,460 |
| Net loans and leases to total assets | 73.0415% | 1,906 |
| Net loans and leases to deposits | 91.2916% | 1,399 |
| Net loans and leases to core deposits | 92.4526% | 2,123 |
| Total domestic deposits to total assets | 80.0090% | 4,615 |
| Equity capital to assets | 11.4844% | 2,194 |
| Core capital (leverage) ratio | 11.8560% | 1,716 |
| Tier 1 risk-based capital ratio | 14.8779% | 3,028 |
| Total risk-based capital ratio | 16.0294% | 2,997 |
| Memoranda: | ||
| Average total assets | $263,612,500 | 2,436 |
| Average earning assets | $254,001,500 | 2,367 |
| Average equity | $30,274,500 | 2,357 |
| Average total loans | $192,480,500 | 2,248 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7471% | 4,063 |
| Cost of funding earning assets | 0.2626% | 4,438 |
| Net interest margin | 3.4845% | 3,493 |
| Noninterest income to average assets | 0.8491% | 1,580 |
| Noninterest expense to average assets | 3.2381% | 1,706 |
| Loan and lease loss provision to assets | 0.1469% | 1,695 |
| Net operating income to assets | 0.7518% | 3,529 |
| Return on assets (ROA) | 0.9141% | 2,860 |
| Pretax return on assets | 0.9627% | 3,607 |
| Return on Equity (ROE) | 7.6564% | 3,140 |
| Retained earnings to average equity (ytd only) | 5.1950% | 2,205 |
| Net charge-offs to loans | 0.0188% | 3,681 |
| Credit loss provision to net charge-offs | 1,171.8750% | 338 |
| Earnings coverage of net charge-offs (x) | 74.8750% | 754 |
| Efficiency ratio | 77.5235% | 1,769 |
| Assets per employee ($millions) | 4.8219% | 2,617 |
| Cash dividends to net income (ytd only)* | 32.1474% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2519% | 2,805 |
| Loan loss allowance to noncurrent loans | 110.8542% | 3,412 |
| Noncurrent assets plus other real estate owned to assets | 0.8349% | 2,258 |
| Noncurrent loans to loans | 1.1293% | 1,822 |
| Net loans and leases to total assets | 71.1573% | 2,309 |
| Net loans and leases to deposits | 88.0706% | 1,918 |
| Net loans and leases to core deposits | 88.8814% | 2,597 |
| Total domestic deposits to total assets | 80.7957% | 4,389 |
| Equity capital to assets | 11.4845% | 2,186 |
| Core capital (leverage) ratio | 11.9396% | 1,638 |
| Tier 1 risk-based capital ratio | 15.5416% | 2,736 |
| Total risk-based capital ratio | 16.7273% | 2,692 |
| Memoranda: | ||
| Average total assets | $255,215,000 | 2,464 |
| Average earning assets | $243,737,800 | 2,406 |
| Average equity | $30,471,400 | 2,319 |
| Average total loans | $170,185,200 | 2,415 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7406% | 4,113 |
| Cost of funding earning assets | 0.2660% | 4,432 |
| Net interest margin | 3.4746% | 3,562 |
| Noninterest income to average assets | 0.8695% | 1,515 |
| Noninterest expense to average assets | 3.2986% | 1,569 |
| Loan and lease loss provision to assets | 0.0656% | 2,913 |
| Net operating income to assets | 0.7768% | 3,475 |
| Return on assets (ROA) | 0.8711% | 3,171 |
| Pretax return on assets | 0.9178% | 3,917 |
| Return on Equity (ROE) | 7.2254% | 3,437 |
| Retained earnings to average equity (ytd only) | 3.9590% | 3,485 |
| Net charge-offs to loans | 0.0217% | 3,251 |
| Credit loss provision to net charge-offs | 462.9630% | 755 |
| Earnings coverage of net charge-offs (x) | 62.3689% | 929 |
| Efficiency ratio | 78.8602% | 1,570 |
| Assets per employee ($millions) | 4.6918% | 2,760 |
| Cash dividends to net income (ytd only)* | 45.2083% | 2,115 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1965% | 3,259 |
| Loan loss allowance to noncurrent loans | 104.9900% | 3,509 |
| Noncurrent assets plus other real estate owned to assets | 0.7979% | 2,547 |
| Noncurrent loans to loans | 1.1396% | 1,976 |
| Net loans and leases to total assets | 67.3300% | 2,900 |
| Net loans and leases to deposits | 88.0800% | 2,006 |
| Net loans and leases to core deposits | 88.5816% | 2,706 |
| Total domestic deposits to total assets | 76.4419% | 5,175 |
| Equity capital to assets | 12.1559% | 2,006 |
| Core capital (leverage) ratio | 11.7480% | 1,842 |
| Tier 1 risk-based capital ratio | 16.0117% | 2,623 |
| Total risk-based capital ratio | 17.1304% | 2,612 |
| Memoranda: | ||
| Average total assets | $253,922,500 | 2,484 |
| Average earning assets | $242,131,000 | 2,428 |
| Average equity | $30,613,250 | 2,321 |
| Average total loans | $165,823,500 | 2,459 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7481% | 4,132 |
| Cost of funding earning assets | 0.2708% | 4,431 |
| Net interest margin | 3.4773% | 3,576 |
| Noninterest income to average assets | 0.8664% | 1,488 |
| Noninterest expense to average assets | 3.3364% | 1,516 |
| Loan and lease loss provision to assets | 0.0792% | 2,556 |
| Net operating income to assets | 0.7169% | 3,712 |
| Return on assets (ROA) | 0.7801% | 3,547 |
| Pretax return on assets | 0.8220% | 4,207 |
| Return on Equity (ROE) | 6.4884% | 3,806 |
| Retained earnings to average equity (ytd only) | 1.5480% | 4,760 |
| Net charge-offs to loans | 0.0320% | 2,820 |
| Credit loss provision to net charge-offs | 384.6154% | 796 |
| Earnings coverage of net charge-offs (x) | 40.5385% | 1,150 |
| Efficiency ratio | 79.9886% | 1,494 |
| Assets per employee ($millions) | 4.4404% | 3,131 |
| Cash dividends to net income (ytd only)* | 76.1421% | 995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2320% | 3,177 |
| Loan loss allowance to noncurrent loans | 101.8111% | 3,669 |
| Noncurrent assets plus other real estate owned to assets | 0.8465% | 2,479 |
| Noncurrent loans to loans | 1.2101% | 1,904 |
| Net loans and leases to total assets | 64.7454% | 3,259 |
| Net loans and leases to deposits | 83.1999% | 2,563 |
| Net loans and leases to core deposits | 83.5593% | 3,121 |
| Total domestic deposits to total assets | 77.8191% | 5,032 |
| Equity capital to assets | 12.0517% | 2,093 |
| Core capital (leverage) ratio | 11.5882% | 1,923 |
| Tier 1 risk-based capital ratio | 15.7303% | 2,770 |
| Total risk-based capital ratio | 16.8417% | 2,767 |
| Memoranda: | ||
| Average total assets | $252,547,670 | 2,512 |
| Average earning assets | $240,013,670 | 2,453 |
| Average equity | $30,361,670 | 2,342 |
| Average total loans | $162,482,330 | 2,502 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7930% | 3,968 |
| Cost of funding earning assets | 0.2759% | 4,435 |
| Net interest margin | 3.5171% | 3,402 |
| Noninterest income to average assets | 0.8606% | 1,414 |
| Noninterest expense to average assets | 3.3561% | 1,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.8057% | 3,214 |
| Return on assets (ROA) | 0.8254% | 3,247 |
| Pretax return on assets | 0.8702% | 3,968 |
| Return on Equity (ROE) | 6.8746% | 3,528 |
| Retained earnings to average equity (ytd only) | -3.1176% | 5,484 |
| Net charge-offs to loans | 0.0025% | 3,036 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 531.0000% | 102 |
| Efficiency ratio | 79.8022% | 1,632 |
| Assets per employee ($millions) | 4.3364% | 3,352 |
| Cash dividends to net income (ytd only)* | 145.3488% | 403 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2456% | 3,226 |
| Loan loss allowance to noncurrent loans | 94.6648% | 3,736 |
| Noncurrent assets plus other real estate owned to assets | 0.8795% | 2,488 |
| Noncurrent loans to loans | 1.3157% | 1,816 |
| Net loans and leases to total assets | 63.2044% | 3,355 |
| Net loans and leases to deposits | 79.4435% | 2,868 |
| Net loans and leases to core deposits | 80.0391% | 3,317 |
| Total domestic deposits to total assets | 79.5590% | 4,845 |
| Equity capital to assets | 11.9512% | 2,062 |
| Core capital (leverage) ratio | 11.6459% | 1,868 |
| Tier 1 risk-based capital ratio | 15.9773% | 2,692 |
| Total risk-based capital ratio | 17.0831% | 2,695 |
| Memoranda: | ||
| Average total assets | $250,051,000 | 2,540 |
| Average earning assets | $237,809,000 | 2,480 |
| Average equity | $30,023,500 | 2,365 |
| Average total loans | $159,310,500 | 2,536 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8379% | 3,922 |
| Cost of funding earning assets | 0.4710% | 2,432 |
| Net interest margin | 3.3669% | 4,050 |
| Noninterest income to average assets | 0.9172% | 1,389 |
| Noninterest expense to average assets | 3.3618% | 1,572 |
| Loan and lease loss provision to assets | 0.0379% | 3,588 |
| Net operating income to assets | 0.6714% | 3,945 |
| Return on assets (ROA) | 0.8564% | 3,154 |
| Pretax return on assets | 0.9152% | 3,781 |
| Return on Equity (ROE) | 7.3560% | 3,330 |
| Retained earnings to average equity (ytd only) | 3.9677% | 3,210 |
| Net charge-offs to loans | 0.0278% | 3,670 |
| Credit loss provision to net charge-offs | 204.2553% | 1,367 |
| Earnings coverage of net charge-offs (x) | 40.7872% | 1,165 |
| Efficiency ratio | 81.6362% | 1,456 |
| Assets per employee ($millions) | 4.2134% | 3,545 |
| Cash dividends to net income (ytd only)* | 46.0617% | 2,527 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2725% | 3,054 |
| Loan loss allowance to noncurrent loans | 101.9309% | 3,645 |
| Noncurrent assets plus other real estate owned to assets | 0.8295% | 2,593 |
| Noncurrent loans to loans | 1.2484% | 1,890 |
| Net loans and leases to total assets | 62.6104% | 3,476 |
| Net loans and leases to deposits | 78.2180% | 3,033 |
| Net loans and leases to core deposits | 79.0009% | 3,442 |
| Total domestic deposits to total assets | 80.0461% | 4,731 |
| Equity capital to assets | 12.0633% | 1,913 |
| Core capital (leverage) ratio | 11.7310% | 1,797 |
| Tier 1 risk-based capital ratio | 16.5061% | 2,475 |
| Total risk-based capital ratio | 17.6398% | 2,493 |
| Memoranda: | ||
| Average total assets | $253,497,400 | 2,478 |
| Average earning assets | $240,991,000 | 2,415 |
| Average equity | $29,513,400 | 2,352 |
| Average total loans | $168,909,200 | 2,361 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8697% | 3,851 |
| Cost of funding earning assets | 0.3784% | 3,458 |
| Net interest margin | 3.4912% | 3,573 |
| Noninterest income to average assets | 0.9097% | 1,425 |
| Noninterest expense to average assets | 3.3348% | 1,610 |
| Loan and lease loss provision to assets | 0.0503% | 3,203 |
| Net operating income to assets | 0.7903% | 3,476 |
| Return on assets (ROA) | 0.9123% | 2,988 |
| Pretax return on assets | 0.9720% | 3,735 |
| Return on Equity (ROE) | 7.9060% | 3,126 |
| Retained earnings to average equity (ytd only) | 3.3701% | 4,069 |
| Net charge-offs to loans | 0.0054% | 3,982 |
| Credit loss provision to net charge-offs | 1,371.4286% | 270 |
| Earnings coverage of net charge-offs (x) | 243.6527% | 293 |
| Efficiency ratio | 78.8881% | 1,825 |
| Assets per employee ($millions) | 4.3690% | 3,217 |
| Cash dividends to net income (ytd only)* | 57.3724% | 1,543 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2299% | 3,485 |
| Loan loss allowance to noncurrent loans | 3,100.0000% | 235 |
| Noncurrent assets plus other real estate owned to assets | 0.2132% | 4,907 |
| Noncurrent loans to loans | 0.0397% | 5,455 |
| Net loans and leases to total assets | 62.6795% | 3,507 |
| Net loans and leases to deposits | 83.0417% | 2,525 |
| Net loans and leases to core deposits | 83.8760% | 3,055 |
| Total domestic deposits to total assets | 75.4795% | 5,574 |
| Equity capital to assets | 11.3783% | 2,609 |
| Core capital (leverage) ratio | 11.2715% | 2,224 |
| Tier 1 risk-based capital ratio | 15.8510% | 2,868 |
| Total risk-based capital ratio | 16.9780% | 2,867 |
| Memoranda: | ||
| Average total assets | $254,724,750 | 2,487 |
| Average earning assets | $242,048,000 | 2,419 |
| Average equity | $29,394,750 | 2,371 |
| Average total loans | $171,724,500 | 2,348 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8930% | 3,721 |
| Cost of funding earning assets | 0.3766% | 3,535 |
| Net interest margin | 3.5164% | 3,433 |
| Noninterest income to average assets | 0.9173% | 1,397 |
| Noninterest expense to average assets | 3.3316% | 1,627 |
| Loan and lease loss provision to assets | 0.0571% | 2,956 |
| Net operating income to assets | 0.8267% | 3,233 |
| Return on assets (ROA) | 1.0022% | 2,487 |
| Pretax return on assets | 1.0593% | 3,342 |
| Return on Equity (ROE) | 8.6425% | 2,726 |
| Retained earnings to average equity (ytd only) | 1.8051% | 4,796 |
| Net charge-offs to loans | 0.0035% | 3,783 |
| Credit loss provision to net charge-offs | 2,400.0000% | 167 |
| Earnings coverage of net charge-offs (x) | 391.6667% | 172 |
| Efficiency ratio | 78.1477% | 2,045 |
| Assets per employee ($millions) | 4.3654% | 3,186 |
| Cash dividends to net income (ytd only)* | 79.1139% | 940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1876% | 3,860 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1916% | 5,101 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 66.5766% | 2,852 |
| Net loans and leases to deposits | 84.6291% | 2,233 |
| Net loans and leases to core deposits | 85.4347% | 2,828 |
| Total domestic deposits to total assets | 78.6687% | 5,163 |
| Equity capital to assets | 11.5130% | 2,400 |
| Core capital (leverage) ratio | 11.2484% | 2,208 |
| Tier 1 risk-based capital ratio | 15.4826% | 3,115 |
| Total risk-based capital ratio | 16.5912% | 3,121 |
| Memoranda: | ||
| Average total assets | $252,253,000 | 2,532 |
| Average earning assets | $240,019,670 | 2,459 |
| Average equity | $29,250,670 | 2,400 |
| Average total loans | $173,514,670 | 2,331 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9012% | 3,611 |
| Cost of funding earning assets | 0.3741% | 3,604 |
| Net interest margin | 3.5271% | 3,314 |
| Noninterest income to average assets | 0.9310% | 1,298 |
| Noninterest expense to average assets | 3.3092% | 1,702 |
| Loan and lease loss provision to assets | 0.0572% | 2,787 |
| Net operating income to assets | 0.8727% | 2,884 |
| Return on assets (ROA) | 1.2137% | 1,602 |
| Pretax return on assets | 1.2789% | 2,362 |
| Return on Equity (ROE) | 10.4297% | 1,821 |
| Retained earnings to average equity (ytd only) | -3.2217% | 5,811 |
| Net charge-offs to loans | 0.0069% | 3,097 |
| Credit loss provision to net charge-offs | 1,200.0000% | 290 |
| Earnings coverage of net charge-offs (x) | 205.0000% | 278 |
| Efficiency ratio | 77.2053% | 2,311 |
| Assets per employee ($millions) | 4.4766% | 3,088 |
| Cash dividends to net income (ytd only)* | 130.8901% | 451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1412% | 4,313 |
| Loan loss allowance to noncurrent loans | 1,530.7692% | 385 |
| Noncurrent assets plus other real estate owned to assets | 0.2290% | 5,018 |
| Noncurrent loans to loans | 0.0746% | 5,475 |
| Net loans and leases to total assets | 68.7661% | 2,320 |
| Net loans and leases to deposits | 86.7846% | 1,738 |
| Net loans and leases to core deposits | 87.3453% | 2,394 |
| Total domestic deposits to total assets | 79.2376% | 5,224 |
| Equity capital to assets | 11.6651% | 2,329 |
| Core capital (leverage) ratio | 11.1363% | 2,280 |
| Tier 1 risk-based capital ratio | 15.3439% | 3,234 |
| Total risk-based capital ratio | 16.4423% | 3,242 |
| Memoranda: | ||
| Average total assets | $251,784,000 | 2,546 |
| Average earning assets | $239,518,000 | 2,473 |
| Average equity | $29,301,000 | 2,410 |
| Average total loans | $174,976,000 | 2,318 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0206% | 3,644 |
| Cost of funding earning assets | 0.3813% | 3,893 |
| Net interest margin | 3.6393% | 3,257 |
| Noninterest income to average assets | 0.9566% | 1,333 |
| Noninterest expense to average assets | 3.4239% | 1,649 |
| Loan and lease loss provision to assets | 0.0976% | 2,519 |
| Net operating income to assets | 0.8340% | 3,201 |
| Return on assets (ROA) | 1.1539% | 1,826 |
| Pretax return on assets | 1.2153% | 2,592 |
| Return on Equity (ROE) | 10.2305% | 2,019 |
| Retained earnings to average equity (ytd only) | 6.6244% | 1,583 |
| Net charge-offs to loans | 0.0422% | 3,978 |
| Credit loss provision to net charge-offs | 363.6364% | 719 |
| Earnings coverage of net charge-offs (x) | 36.3636% | 1,166 |
| Efficiency ratio | 77.8148% | 2,231 |
| Assets per employee ($millions) | 4.4365% | 3,141 |
| Cash dividends to net income (ytd only)* | 35.2485% | 3,104 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1152% | 4,469 |
| Loan loss allowance to noncurrent loans | 1,517.8295% | 433 |
| Noncurrent assets plus other real estate owned to assets | 0.2254% | 5,120 |
| Noncurrent loans to loans | 0.0735% | 5,585 |
| Net loans and leases to total assets | 68.6554% | 2,465 |
| Net loans and leases to deposits | 86.9431% | 1,854 |
| Net loans and leases to core deposits | 87.5001% | 2,548 |
| Total domestic deposits to total assets | 78.9658% | 5,256 |
| Equity capital to assets | 11.6099% | 2,332 |
| Core capital (leverage) ratio | 11.1160% | 2,294 |
| Tier 1 risk-based capital ratio | 15.7500% | 3,100 |
| Total risk-based capital ratio | 16.8501% | 3,113 |
| Memoranda: | ||
| Average total assets | $245,862,400 | 2,564 |
| Average earning assets | $232,624,400 | 2,492 |
| Average equity | $27,730,800 | 2,426 |
| Average total loans | $156,572,800 | 2,476 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0190% | 3,694 |
| Cost of funding earning assets | 0.3857% | 3,949 |
| Net interest margin | 3.6332% | 3,293 |
| Noninterest income to average assets | 1.0126% | 1,194 |
| Noninterest expense to average assets | 3.4164% | 1,620 |
| Loan and lease loss provision to assets | 0.0983% | 2,400 |
| Net operating income to assets | 0.8816% | 3,012 |
| Return on assets (ROA) | 1.1099% | 2,050 |
| Pretax return on assets | 1.1699% | 2,909 |
| Return on Equity (ROE) | 9.9154% | 2,259 |
| Retained earnings to average equity (ytd only) | 9.9154% | 731 |
| Net charge-offs to loans | 0.0158% | 4,229 |
| Credit loss provision to net charge-offs | 1,000.0000% | 325 |
| Earnings coverage of net charge-offs (x) | 104.5529% | 570 |
| Efficiency ratio | 76.8711% | 2,363 |
| Assets per employee ($millions) | 4.2158% | 3,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2466% | 3,976 |
| Loan loss allowance to noncurrent loans | 694.6429% | 760 |
| Noncurrent assets plus other real estate owned to assets | 0.4760% | 4,468 |
| Noncurrent loans to loans | 0.1795% | 5,371 |
| Net loans and leases to total assets | 61.9480% | 3,491 |
| Net loans and leases to deposits | 81.5765% | 2,480 |
| Net loans and leases to core deposits | 82.2642% | 3,078 |
| Total domestic deposits to total assets | 75.9385% | 5,823 |
| Equity capital to assets | 11.8850% | 2,166 |
| Core capital (leverage) ratio | 11.4755% | 2,087 |
| Tier 1 risk-based capital ratio | 17.0087% | 2,619 |
| Total risk-based capital ratio | 18.1806% | 2,593 |
| Memoranda: | ||
| Average total assets | $244,108,250 | 2,595 |
| Average earning assets | $230,568,500 | 2,533 |
| Average equity | $27,323,750 | 2,467 |
| Average total loans | $151,822,750 | 2,549 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0075% | 3,703 |
| Cost of funding earning assets | 0.3870% | 4,029 |
| Net interest margin | 3.6205% | 3,279 |
| Noninterest income to average assets | 0.9977% | 1,208 |
| Noninterest expense to average assets | 3.4489% | 1,575 |
| Loan and lease loss provision to assets | 0.0989% | 2,374 |
| Net operating income to assets | 0.8206% | 3,233 |
| Return on assets (ROA) | 1.0743% | 2,102 |
| Pretax return on assets | 1.1337% | 2,956 |
| Return on Equity (ROE) | 9.8052% | 2,242 |
| Retained earnings to average equity (ytd only) | 9.8052% | 767 |
| Net charge-offs to loans | 0.0279% | 3,635 |
| Credit loss provision to net charge-offs | 571.4286% | 528 |
| Earnings coverage of net charge-offs (x) | 55.7619% | 854 |
| Efficiency ratio | 78.1285% | 2,275 |
| Assets per employee ($millions) | 4.1614% | 3,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2110% | 4,374 |
| Loan loss allowance to noncurrent loans | 1,254.6667% | 427 |
| Noncurrent assets plus other real estate owned to assets | 0.4134% | 4,771 |
| Noncurrent loans to loans | 0.0965% | 5,730 |
| Net loans and leases to total assets | 62.5292% | 3,320 |
| Net loans and leases to deposits | 80.2479% | 2,486 |
| Net loans and leases to core deposits | 80.9136% | 3,107 |
| Total domestic deposits to total assets | 77.9201% | 5,647 |
| Equity capital to assets | 11.5383% | 2,384 |
| Core capital (leverage) ratio | 11.2963% | 2,160 |
| Tier 1 risk-based capital ratio | 16.4946% | 2,831 |
| Total risk-based capital ratio | 17.6235% | 2,847 |
| Memoranda: | ||
| Average total assets | $242,566,670 | 2,614 |
| Average earning assets | $228,919,330 | 2,558 |
| Average equity | $26,577,670 | 2,515 |
| Average total loans | $150,420,330 | 2,570 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0030% | 3,670 |
| Cost of funding earning assets | 0.3906% | 4,081 |
| Net interest margin | 3.6124% | 3,203 |
| Noninterest income to average assets | 0.9872% | 1,158 |
| Noninterest expense to average assets | 3.4709% | 1,545 |
| Loan and lease loss provision to assets | 0.0995% | 2,265 |
| Net operating income to assets | 0.7762% | 3,269 |
| Return on assets (ROA) | 1.0867% | 1,931 |
| Pretax return on assets | 1.1498% | 2,700 |
| Return on Equity (ROE) | 10.1938% | 1,961 |
| Retained earnings to average equity (ytd only) | 10.1938% | 914 |
| Net charge-offs to loans | -0.0081% | 4,965 |
| Credit loss provision to net charge-offs | -2,000.0000% | 5,465 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0030% | 2,337 |
| Assets per employee ($millions) | 4.1476% | 3,626 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2463% | 4,402 |
| Loan loss allowance to noncurrent loans | 1,054.8571% | 491 |
| Noncurrent assets plus other real estate owned to assets | 0.5325% | 4,550 |
| Noncurrent loans to loans | 0.1181% | 5,765 |
| Net loans and leases to total assets | 59.7766% | 3,600 |
| Net loans and leases to deposits | 74.6323% | 2,993 |
| Net loans and leases to core deposits | 75.2345% | 3,496 |
| Total domestic deposits to total assets | 80.0949% | 5,465 |
| Equity capital to assets | 10.8804% | 2,847 |
| Core capital (leverage) ratio | 11.0851% | 2,316 |
| Tier 1 risk-based capital ratio | 16.6054% | 2,843 |
| Total risk-based capital ratio | 17.7470% | 2,869 |
| Memoranda: | ||
| Average total assets | $241,089,000 | 2,629 |
| Average earning assets | $227,327,000 | 2,578 |
| Average equity | $25,702,000 | 2,581 |
| Average total loans | $147,928,000 | 2,616 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0984% | 3,741 |
| Cost of funding earning assets | 0.4286% | 4,330 |
| Net interest margin | 3.6699% | 3,175 |
| Noninterest income to average assets | 1.1648% | 1,036 |
| Noninterest expense to average assets | 3.6182% | 1,415 |
| Loan and lease loss provision to assets | 0.1687% | 2,171 |
| Net operating income to assets | 0.7977% | 3,299 |
| Return on assets (ROA) | 0.8105% | 3,336 |
| Pretax return on assets | 0.8544% | 3,943 |
| Return on Equity (ROE) | 7.7943% | 3,146 |
| Retained earnings to average equity (ytd only) | 7.7943% | 1,123 |
| Net charge-offs to loans | 0.0354% | 4,737 |
| Credit loss provision to net charge-offs | 784.3137% | 315 |
| Earnings coverage of net charge-offs (x) | 46.9412% | 834 |
| Efficiency ratio | 78.1848% | 2,445 |
| Assets per employee ($millions) | 3.9579% | 3,949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 4,624 |
| Loan loss allowance to noncurrent loans | 996.0894% | 510 |
| Noncurrent assets plus other real estate owned to assets | 0.4409% | 4,929 |
| Noncurrent loans to loans | 0.1212% | 5,837 |
| Net loans and leases to total assets | 61.4599% | 3,451 |
| Net loans and leases to deposits | 76.9429% | 2,861 |
| Net loans and leases to core deposits | 77.5826% | 3,416 |
| Total domestic deposits to total assets | 79.8772% | 5,472 |
| Equity capital to assets | 10.4345% | 3,243 |
| Core capital (leverage) ratio | 10.9714% | 2,416 |
| Tier 1 risk-based capital ratio | 17.0945% | 2,566 |
| Total risk-based capital ratio | 18.2580% | 2,572 |
| Memoranda: | ||
| Average total assets | $237,132,400 | 2,647 |
| Average earning assets | $223,767,600 | 2,577 |
| Average equity | $24,659,000 | 2,660 |
| Average total loans | $144,151,800 | 2,636 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0937% | 3,788 |
| Cost of funding earning assets | 0.4395% | 4,387 |
| Net interest margin | 3.6542% | 3,215 |
| Noninterest income to average assets | 1.2065% | 997 |
| Noninterest expense to average assets | 3.6526% | 1,321 |
| Loan and lease loss provision to assets | 0.1772% | 2,052 |
| Net operating income to assets | 0.7743% | 3,489 |
| Return on assets (ROA) | 0.7908% | 3,523 |
| Pretax return on assets | 0.8364% | 4,159 |
| Return on Equity (ROE) | 7.6114% | 3,318 |
| Retained earnings to average equity (ytd only) | 7.6114% | 1,584 |
| Net charge-offs to loans | 0.0484% | 4,211 |
| Credit loss provision to net charge-offs | 605.7692% | 466 |
| Earnings coverage of net charge-offs (x) | 34.0584% | 1,124 |
| Efficiency ratio | 78.5723% | 2,330 |
| Assets per employee ($millions) | 3.8596% | 4,115 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1398% | 5,168 |
| Loan loss allowance to noncurrent loans | 1,996.4706% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.4770% | 5,001 |
| Noncurrent loans to loans | 0.0571% | 6,176 |
| Net loans and leases to total assets | 62.5205% | 3,257 |
| Net loans and leases to deposits | 78.1666% | 2,642 |
| Net loans and leases to core deposits | 79.0333% | 3,224 |
| Total domestic deposits to total assets | 79.9837% | 5,517 |
| Equity capital to assets | 10.1961% | 3,652 |
| Core capital (leverage) ratio | 10.7406% | 2,739 |
| Tier 1 risk-based capital ratio | 16.4716% | 2,945 |
| Total risk-based capital ratio | 17.5600% | 2,993 |
| Memoranda: | ||
| Average total assets | $237,047,500 | 2,662 |
| Average earning assets | $223,299,000 | 2,598 |
| Average equity | $24,629,000 | 2,694 |
| Average total loans | $143,256,500 | 2,665 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0247% | 4,014 |
| Cost of funding earning assets | 0.4539% | 4,389 |
| Net interest margin | 3.5708% | 3,483 |
| Noninterest income to average assets | 1.2509% | 996 |
| Noninterest expense to average assets | 3.7056% | 1,239 |
| Loan and lease loss provision to assets | 0.1768% | 2,148 |
| Net operating income to assets | 0.6997% | 3,810 |
| Return on assets (ROA) | 0.6878% | 4,034 |
| Pretax return on assets | 0.7265% | 4,592 |
| Return on Equity (ROE) | 6.5789% | 3,839 |
| Retained earnings to average equity (ytd only) | 6.5789% | 2,103 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1821% | 2,128 |
| Assets per employee ($millions) | 3.7572% | 4,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1376% | 5,285 |
| Loan loss allowance to noncurrent loans | 696.6102% | 646 |
| Noncurrent assets plus other real estate owned to assets | 0.5881% | 4,778 |
| Noncurrent loans to loans | 0.1633% | 5,919 |
| Net loans and leases to total assets | 60.3577% | 3,596 |
| Net loans and leases to deposits | 76.3075% | 2,838 |
| Net loans and leases to core deposits | 77.0300% | 3,419 |
| Total domestic deposits to total assets | 79.0979% | 5,789 |
| Equity capital to assets | 10.1139% | 3,773 |
| Core capital (leverage) ratio | 10.5651% | 2,804 |
| Tier 1 risk-based capital ratio | 16.4084% | 2,977 |
| Total risk-based capital ratio | 17.4834% | 3,018 |
| Memoranda: | ||
| Average total assets | $237,585,670 | 2,671 |
| Average earning assets | $224,262,670 | 2,596 |
| Average equity | $24,837,000 | 2,674 |
| Average total loans | $141,378,330 | 2,697 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0346% | 3,981 |
| Cost of funding earning assets | 0.4907% | 4,171 |
| Net interest margin | 3.5439% | 3,503 |
| Noninterest income to average assets | 1.3763% | 815 |
| Noninterest expense to average assets | 3.7945% | 1,119 |
| Loan and lease loss provision to assets | 0.1765% | 2,101 |
| Net operating income to assets | 0.7024% | 3,675 |
| Return on assets (ROA) | 0.6705% | 4,001 |
| Pretax return on assets | 0.7092% | 4,542 |
| Return on Equity (ROE) | 6.3119% | 3,874 |
| Retained earnings to average equity (ytd only) | 6.3119% | 2,501 |
| Net charge-offs to loans | -0.0057% | 5,298 |
| Credit loss provision to net charge-offs | -5,250.0000% | 5,888 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4991% | 2,251 |
| Assets per employee ($millions) | 3.7575% | 4,437 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0831% | 5,678 |
| Loan loss allowance to noncurrent loans | 562.0438% | 776 |
| Noncurrent assets plus other real estate owned to assets | 0.7118% | 4,597 |
| Noncurrent loans to loans | 0.1927% | 5,920 |
| Net loans and leases to total assets | 59.4154% | 3,534 |
| Net loans and leases to deposits | 73.3532% | 3,005 |
| Net loans and leases to core deposits | 74.0307% | 3,571 |
| Total domestic deposits to total assets | 80.9990% | 5,496 |
| Equity capital to assets | 10.7864% | 3,211 |
| Core capital (leverage) ratio | 10.3249% | 3,001 |
| Tier 1 risk-based capital ratio | 16.3936% | 3,065 |
| Total risk-based capital ratio | 17.4168% | 3,125 |
| Memoranda: | ||
| Average total assets | $238,026,500 | 2,693 |
| Average earning assets | $224,160,000 | 2,622 |
| Average equity | $25,285,500 | 2,680 |
| Average total loans | $139,811,000 | 2,733 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1785% | 4,667 |
| Cost of funding earning assets | 0.5814% | 4,521 |
| Net interest margin | 3.5971% | 4,095 |
| Noninterest income to average assets | 1.1783% | 1,134 |
| Noninterest expense to average assets | 3.6502% | 1,504 |
| Loan and lease loss provision to assets | 0.2349% | 2,787 |
| Net operating income to assets | 0.6465% | 4,009 |
| Return on assets (ROA) | 0.7345% | 3,827 |
| Pretax return on assets | 0.7738% | 4,395 |
| Return on Equity (ROE) | 7.7583% | 3,204 |
| Retained earnings to average equity (ytd only) | 7.7583% | 1,206 |
| Net charge-offs to loans | 0.1920% | 3,838 |
| Credit loss provision to net charge-offs | 217.6245% | 1,161 |
| Earnings coverage of net charge-offs (x) | 8.4866% | 2,404 |
| Efficiency ratio | 79.9384% | 2,157 |
| Assets per employee ($millions) | 3.7395% | 4,490 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0427% | 5,796 |
| Loan loss allowance to noncurrent loans | 509.9644% | 815 |
| Noncurrent assets plus other real estate owned to assets | 0.6694% | 4,807 |
| Noncurrent loans to loans | 0.2045% | 5,961 |
| Net loans and leases to total assets | 56.8249% | 4,140 |
| Net loans and leases to deposits | 71.7849% | 3,447 |
| Net loans and leases to core deposits | 72.3586% | 4,001 |
| Total domestic deposits to total assets | 79.1600% | 5,857 |
| Equity capital to assets | 10.4614% | 3,571 |
| Core capital (leverage) ratio | 10.0188% | 3,374 |
| Tier 1 risk-based capital ratio | 16.5691% | 2,853 |
| Total risk-based capital ratio | 17.5472% | 2,954 |
| Memoranda: | ||
| Average total assets | $241,793,200 | 2,616 |
| Average earning assets | $227,736,600 | 2,532 |
| Average equity | $22,891,600 | 2,862 |
| Average total loans | $135,939,200 | 2,773 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2019% | 4,809 |
| Cost of funding earning assets | 0.5992% | 4,657 |
| Net interest margin | 3.6027% | 4,225 |
| Noninterest income to average assets | 1.1611% | 1,132 |
| Noninterest expense to average assets | 3.5999% | 1,558 |
| Loan and lease loss provision to assets | 0.2613% | 2,486 |
| Net operating income to assets | 0.6751% | 4,027 |
| Return on assets (ROA) | 0.7706% | 3,855 |
| Pretax return on assets | 0.7948% | 4,501 |
| Return on Equity (ROE) | 8.3558% | 3,102 |
| Retained earnings to average equity (ytd only) | 8.3558% | 1,459 |
| Net charge-offs to loans | 0.2410% | 3,280 |
| Credit loss provision to net charge-offs | 193.8776% | 1,434 |
| Earnings coverage of net charge-offs (x) | 7.1061% | 2,660 |
| Efficiency ratio | 78.9887% | 2,239 |
| Assets per employee ($millions) | 3.8459% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 6,120 |
| Loan loss allowance to noncurrent loans | 424.0625% | 892 |
| Noncurrent assets plus other real estate owned to assets | 0.7894% | 4,735 |
| Noncurrent loans to loans | 0.2335% | 6,022 |
| Net loans and leases to total assets | 55.1157% | 4,580 |
| Net loans and leases to deposits | 68.6592% | 4,075 |
| Net loans and leases to core deposits | 69.6920% | 4,536 |
| Total domestic deposits to total assets | 80.2742% | 5,583 |
| Equity capital to assets | 10.0217% | 4,462 |
| Core capital (leverage) ratio | 9.7746% | 3,835 |
| Tier 1 risk-based capital ratio | 15.4348% | 3,575 |
| Total risk-based capital ratio | 16.3182% | 3,751 |
| Memoranda: | ||
| Average total assets | $242,409,500 | 2,629 |
| Average earning assets | $228,523,500 | 2,542 |
| Average equity | $22,355,250 | 2,963 |
| Average total loans | $135,566,250 | 2,815 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2601% | 4,721 |
| Cost of funding earning assets | 0.6257% | 4,672 |
| Net interest margin | 3.6344% | 4,107 |
| Noninterest income to average assets | 1.1411% | 1,094 |
| Noninterest expense to average assets | 3.6580% | 1,452 |
| Loan and lease loss provision to assets | 0.2695% | 2,431 |
| Net operating income to assets | 0.6284% | 4,237 |
| Return on assets (ROA) | 0.7712% | 3,782 |
| Pretax return on assets | 0.7829% | 4,536 |
| Return on Equity (ROE) | 8.6172% | 2,977 |
| Retained earnings to average equity (ytd only) | 8.6172% | 1,409 |
| Net charge-offs to loans | 0.3198% | 2,753 |
| Credit loss provision to net charge-offs | 150.4630% | 1,833 |
| Earnings coverage of net charge-offs (x) | 5.0694% | 2,915 |
| Efficiency ratio | 80.1126% | 2,152 |
| Assets per employee ($millions) | 3.6849% | 4,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8894% | 6,490 |
| Loan loss allowance to noncurrent loans | 320.2073% | 1,121 |
| Noncurrent assets plus other real estate owned to assets | 0.7402% | 4,944 |
| Noncurrent loans to loans | 0.2778% | 6,016 |
| Net loans and leases to total assets | 57.5053% | 4,243 |
| Net loans and leases to deposits | 73.9530% | 3,303 |
| Net loans and leases to core deposits | 75.2380% | 3,847 |
| Total domestic deposits to total assets | 77.7592% | 6,207 |
| Equity capital to assets | 9.3450% | 5,261 |
| Core capital (leverage) ratio | 9.5011% | 4,140 |
| Tier 1 risk-based capital ratio | 14.4481% | 4,133 |
| Total risk-based capital ratio | 15.2165% | 4,439 |
| Memoranda: | ||
| Average total assets | $241,167,670 | 2,648 |
| Average earning assets | $227,270,000 | 2,556 |
| Average equity | $21,584,670 | 3,034 |
| Average total loans | $135,083,000 | 2,836 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2513% | 4,921 |
| Cost of funding earning assets | 0.6284% | 4,906 |
| Net interest margin | 3.6229% | 4,165 |
| Noninterest income to average assets | 1.1372% | 1,090 |
| Noninterest expense to average assets | 3.4761% | 1,811 |
| Loan and lease loss provision to assets | 0.2893% | 2,149 |
| Net operating income to assets | 0.7835% | 3,456 |
| Return on assets (ROA) | 0.9620% | 2,830 |
| Pretax return on assets | 0.9620% | 3,822 |
| Return on Equity (ROE) | 10.9886% | 2,022 |
| Retained earnings to average equity (ytd only) | 10.9886% | 1,029 |
| Net charge-offs to loans | 0.6189% | 1,548 |
| Credit loss provision to net charge-offs | 84.9515% | 2,640 |
| Earnings coverage of net charge-offs (x) | 3.1505% | 2,941 |
| Efficiency ratio | 76.4172% | 2,728 |
| Assets per employee ($millions) | 3.6192% | 4,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8236% | 6,702 |
| Loan loss allowance to noncurrent loans | 209.5602% | 1,581 |
| Noncurrent assets plus other real estate owned to assets | 0.9122% | 4,696 |
| Noncurrent loans to loans | 0.3930% | 5,889 |
| Net loans and leases to total assets | 53.6283% | 4,783 |
| Net loans and leases to deposits | 66.8416% | 4,255 |
| Net loans and leases to core deposits | 67.9273% | 4,684 |
| Total domestic deposits to total assets | 80.2320% | 5,793 |
| Equity capital to assets | 8.7885% | 5,760 |
| Core capital (leverage) ratio | 9.5791% | 3,948 |
| Tier 1 risk-based capital ratio | 14.6275% | 4,003 |
| Total risk-based capital ratio | 15.3278% | 4,381 |
| Memoranda: | ||
| Average total assets | $241,992,000 | 2,646 |
| Average earning assets | $227,885,500 | 2,566 |
| Average equity | $21,185,500 | 3,089 |
| Average total loans | $133,138,500 | 2,885 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3791% | 5,503 |
| Cost of funding earning assets | 0.7966% | 4,892 |
| Net interest margin | 3.5825% | 4,797 |
| Noninterest income to average assets | 1.0211% | 1,302 |
| Noninterest expense to average assets | 3.6816% | 1,570 |
| Loan and lease loss provision to assets | 0.4715% | 2,243 |
| Net operating income to assets | 0.2243% | 5,509 |
| Return on assets (ROA) | 0.2539% | 5,558 |
| Pretax return on assets | 0.2593% | 5,655 |
| Return on Equity (ROE) | 3.1029% | 5,245 |
| Retained earnings to average equity (ytd only) | 3.1029% | 4,028 |
| Net charge-offs to loans | 0.9764% | 1,769 |
| Credit loss provision to net charge-offs | 91.4928% | 3,944 |
| Earnings coverage of net charge-offs (x) | 1.3596% | 4,750 |
| Efficiency ratio | 84.0128% | 1,764 |
| Assets per employee ($millions) | 3.5504% | 4,885 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8461% | 6,652 |
| Loan loss allowance to noncurrent loans | 140.5237% | 2,265 |
| Noncurrent assets plus other real estate owned to assets | 1.1275% | 4,349 |
| Noncurrent loans to loans | 0.6021% | 5,514 |
| Net loans and leases to total assets | 55.5207% | 4,789 |
| Net loans and leases to deposits | 69.7130% | 4,157 |
| Net loans and leases to core deposits | 70.7967% | 4,671 |
| Total domestic deposits to total assets | 79.6418% | 5,835 |
| Equity capital to assets | 8.7196% | 5,879 |
| Core capital (leverage) ratio | 9.3671% | 4,229 |
| Tier 1 risk-based capital ratio | 13.8558% | 4,433 |
| Total risk-based capital ratio | 14.5558% | 4,814 |
| Memoranda: | ||
| Average total assets | $241,800,000 | 2,617 |
| Average earning assets | $226,852,600 | 2,540 |
| Average equity | $19,788,000 | 3,183 |
| Average total loans | $127,618,000 | 3,026 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3559% | 5,752 |
| Cost of funding earning assets | 0.8326% | 4,925 |
| Net interest margin | 3.5233% | 5,091 |
| Noninterest income to average assets | 1.0083% | 1,318 |
| Noninterest expense to average assets | 3.6757% | 1,551 |
| Loan and lease loss provision to assets | 0.2966% | 3,152 |
| Net operating income to assets | 0.3320% | 5,283 |
| Return on assets (ROA) | 0.3712% | 5,311 |
| Pretax return on assets | 0.3784% | 5,530 |
| Return on Equity (ROE) | 4.6104% | 4,718 |
| Retained earnings to average equity (ytd only) | 4.6104% | 3,436 |
| Net charge-offs to loans | 0.5186% | 2,680 |
| Credit loss provision to net charge-offs | 109.9796% | 3,004 |
| Earnings coverage of net charge-offs (x) | 2.3544% | 3,950 |
| Efficiency ratio | 85.2720% | 1,603 |
| Assets per employee ($millions) | 3.5025% | 4,990 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9621% | 6,415 |
| Loan loss allowance to noncurrent loans | 56.9019% | 4,603 |
| Noncurrent assets plus other real estate owned to assets | 2.4624% | 2,615 |
| Noncurrent loans to loans | 1.6909% | 3,769 |
| Net loans and leases to total assets | 54.6040% | 5,070 |
| Net loans and leases to deposits | 70.1795% | 4,267 |
| Net loans and leases to core deposits | 71.4327% | 4,781 |
| Total domestic deposits to total assets | 77.8062% | 6,226 |
| Equity capital to assets | 9.4128% | 5,225 |
| Core capital (leverage) ratio | 9.1400% | 4,727 |
| Tier 1 risk-based capital ratio | 14.1613% | 4,227 |
| Total risk-based capital ratio | 14.9728% | 4,522 |
| Memoranda: | ||
| Average total assets | $242,780,250 | 2,612 |
| Average earning assets | $227,545,500 | 2,541 |
| Average equity | $19,549,500 | 3,214 |
| Average total loans | $126,222,750 | 3,076 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2971% | 6,029 |
| Cost of funding earning assets | 0.8659% | 4,944 |
| Net interest margin | 3.4312% | 5,439 |
| Noninterest income to average assets | 0.9722% | 1,401 |
| Noninterest expense to average assets | 3.6076% | 1,721 |
| Loan and lease loss provision to assets | 0.1563% | 4,356 |
| Net operating income to assets | 0.4425% | 4,756 |
| Return on assets (ROA) | 0.3101% | 5,470 |
| Pretax return on assets | 0.2961% | 5,680 |
| Return on Equity (ROE) | 4.0794% | 4,900 |
| Retained earnings to average equity (ytd only) | 4.0794% | 3,604 |
| Net charge-offs to loans | 0.1711% | 4,153 |
| Credit loss provision to net charge-offs | 179.2453% | 1,686 |
| Earnings coverage of net charge-offs (x) | 6.7075% | 2,349 |
| Efficiency ratio | 86.0506% | 1,597 |
| Assets per employee ($millions) | 3.4988% | 4,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0458% | 6,159 |
| Loan loss allowance to noncurrent loans | 51.1456% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 2.3040% | 2,855 |
| Noncurrent loans to loans | 2.0448% | 3,421 |
| Net loans and leases to total assets | 50.8787% | 5,708 |
| Net loans and leases to deposits | 65.2461% | 5,108 |
| Net loans and leases to core deposits | 66.3898% | 5,460 |
| Total domestic deposits to total assets | 77.9796% | 6,293 |
| Equity capital to assets | 8.5000% | 6,185 |
| Core capital (leverage) ratio | 8.9560% | 4,797 |
| Tier 1 risk-based capital ratio | 14.0077% | 4,170 |
| Total risk-based capital ratio | 14.8434% | 4,440 |
| Memoranda: | ||
| Average total assets | $243,150,000 | 2,620 |
| Average earning assets | $228,200,670 | 2,550 |
| Average equity | $18,483,330 | 3,338 |
| Average total loans | $123,882,330 | 3,147 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1656% | 6,361 |
| Cost of funding earning assets | 0.9007% | 4,919 |
| Net interest margin | 3.2649% | 5,891 |
| Noninterest income to average assets | 0.9048% | 1,645 |
| Noninterest expense to average assets | 3.5993% | 1,773 |
| Loan and lease loss provision to assets | 0.1899% | 3,729 |
| Net operating income to assets | 0.1800% | 5,847 |
| Return on assets (ROA) | -0.1486% | 6,524 |
| Pretax return on assets | -0.1486% | 6,496 |
| Return on Equity (ROE) | -2.0790% | 6,591 |
| Retained earnings to average equity (ytd only) | -2.0790% | 6,158 |
| Net charge-offs to loans | 0.2279% | 3,173 |
| Credit loss provision to net charge-offs | 164.2857% | 1,761 |
| Earnings coverage of net charge-offs (x) | 3.2000% | 2,819 |
| Efficiency ratio | 90.6822% | 1,269 |
| Assets per employee ($millions) | 3.5274% | 4,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0509% | 6,220 |
| Loan loss allowance to noncurrent loans | 46.8819% | 5,178 |
| Noncurrent assets plus other real estate owned to assets | 2.3066% | 2,940 |
| Noncurrent loans to loans | 2.2417% | 3,267 |
| Net loans and leases to total assets | 49.4383% | 5,914 |
| Net loans and leases to deposits | 60.4958% | 5,671 |
| Net loans and leases to core deposits | 61.9019% | 5,938 |
| Total domestic deposits to total assets | 81.7219% | 5,418 |
| Equity capital to assets | 6.9991% | 7,085 |
| Core capital (leverage) ratio | 8.1427% | 6,066 |
| Tier 1 risk-based capital ratio | 12.8475% | 4,946 |
| Total risk-based capital ratio | 13.6641% | 5,324 |
| Memoranda: | ||
| Average total assets | $242,266,000 | 2,642 |
| Average earning assets | $227,388,000 | 2,576 |
| Average equity | $17,316,000 | 3,521 |
| Average total loans | $122,859,500 | 3,197 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7418% | 5,650 |
| Cost of funding earning assets | 1.2534% | 4,195 |
| Net interest margin | 3.4884% | 5,289 |
| Noninterest income to average assets | 0.9617% | 1,637 |
| Noninterest expense to average assets | 3.4699% | 2,253 |
| Loan and lease loss provision to assets | 0.4465% | 3,450 |
| Net operating income to assets | 0.1536% | 5,428 |
| Return on assets (ROA) | -0.0044% | 5,964 |
| Pretax return on assets | 0.0295% | 5,839 |
| Return on Equity (ROE) | -0.0669% | 5,970 |
| Retained earnings to average equity (ytd only) | -0.0669% | 5,606 |
| Net charge-offs to loans | 1.0000% | 2,192 |
| Credit loss provision to net charge-offs | 85.7254% | 5,303 |
| Earnings coverage of net charge-offs (x) | 1.3879% | 4,724 |
| Efficiency ratio | 82.7583% | 2,075 |
| Assets per employee ($millions) | 3.5991% | 4,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9934% | 6,417 |
| Loan loss allowance to noncurrent loans | 103.0075% | 2,817 |
| Noncurrent assets plus other real estate owned to assets | 2.5437% | 2,726 |
| Noncurrent loans to loans | 0.9644% | 5,123 |
| Net loans and leases to total assets | 50.9575% | 6,049 |
| Net loans and leases to deposits | 62.4774% | 5,794 |
| Net loans and leases to core deposits | 64.1102% | 6,044 |
| Total domestic deposits to total assets | 81.5615% | 5,338 |
| Equity capital to assets | 7.2974% | 6,999 |
| Core capital (leverage) ratio | 8.1223% | 5,964 |
| Tier 1 risk-based capital ratio | 12.4284% | 5,083 |
| Total risk-based capital ratio | 13.1871% | 5,511 |
| Memoranda: | ||
| Average total assets | $247,473,600 | 2,570 |
| Average earning assets | $229,216,200 | 2,531 |
| Average equity | $16,449,800 | 3,679 |
| Average total loans | $128,897,400 | 3,143 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8813% | 5,355 |
| Cost of funding earning assets | 1.3199% | 4,115 |
| Net interest margin | 3.5614% | 5,054 |
| Noninterest income to average assets | 1.0541% | 1,295 |
| Noninterest expense to average assets | 3.4139% | 2,253 |
| Loan and lease loss provision to assets | 0.5487% | 2,750 |
| Net operating income to assets | 0.3047% | 5,146 |
| Return on assets (ROA) | 0.0418% | 6,036 |
| Pretax return on assets | 0.0519% | 6,001 |
| Return on Equity (ROE) | 0.6434% | 5,981 |
| Retained earnings to average equity (ytd only) | 0.6434% | 5,546 |
| Net charge-offs to loans | 1.1233% | 1,813 |
| Credit loss provision to net charge-offs | 93.5219% | 4,638 |
| Earnings coverage of net charge-offs (x) | 1.5839% | 4,533 |
| Efficiency ratio | 78.6022% | 2,543 |
| Assets per employee ($millions) | 3.6618% | 4,586 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0654% | 6,093 |
| Loan loss allowance to noncurrent loans | 115.9345% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 2.5606% | 2,810 |
| Noncurrent loans to loans | 0.9190% | 5,403 |
| Net loans and leases to total assets | 50.1976% | 6,306 |
| Net loans and leases to deposits | 64.2377% | 5,887 |
| Net loans and leases to core deposits | 65.6679% | 6,154 |
| Total domestic deposits to total assets | 78.1435% | 6,233 |
| Equity capital to assets | 7.5397% | 7,104 |
| Core capital (leverage) ratio | 8.0804% | 6,226 |
| Tier 1 risk-based capital ratio | 11.9988% | 5,466 |
| Total risk-based capital ratio | 12.7950% | 5,875 |
| Memoranda: | ||
| Average total assets | $249,056,500 | 2,582 |
| Average earning assets | $230,014,750 | 2,566 |
| Average equity | $16,163,000 | 3,779 |
| Average total loans | $130,093,500 | 3,165 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9581% | 5,142 |
| Cost of funding earning assets | 1.3980% | 3,888 |
| Net interest margin | 3.5600% | 4,997 |
| Noninterest income to average assets | 1.0623% | 1,187 |
| Noninterest expense to average assets | 3.4014% | 2,261 |
| Loan and lease loss provision to assets | 0.6022% | 2,380 |
| Net operating income to assets | 0.3212% | 5,099 |
| Return on assets (ROA) | -0.2481% | 6,451 |
| Pretax return on assets | -0.2329% | 6,364 |
| Return on Equity (ROE) | -4.0412% | 6,621 |
| Retained earnings to average equity (ytd only) | -4.0412% | 6,443 |
| Net charge-offs to loans | 1.2273% | 1,556 |
| Credit loss provision to net charge-offs | 93.0521% | 4,331 |
| Earnings coverage of net charge-offs (x) | 1.4504% | 4,400 |
| Efficiency ratio | 78.3719% | 2,663 |
| Assets per employee ($millions) | 3.6352% | 4,619 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0481% | 6,186 |
| Loan loss allowance to noncurrent loans | 45.5184% | 5,279 |
| Noncurrent assets plus other real estate owned to assets | 2.8880% | 2,489 |
| Noncurrent loans to loans | 2.3027% | 3,368 |
| Net loans and leases to total assets | 51.9790% | 6,213 |
| Net loans and leases to deposits | 64.7243% | 5,949 |
| Net loans and leases to core deposits | 66.1767% | 6,230 |
| Total domestic deposits to total assets | 80.3084% | 5,629 |
| Equity capital to assets | 6.7409% | 7,427 |
| Core capital (leverage) ratio | 7.4968% | 6,827 |
| Tier 1 risk-based capital ratio | 10.8092% | 6,446 |
| Total risk-based capital ratio | 11.5876% | 6,791 |
| Memoranda: | ||
| Average total assets | $249,074,670 | 2,610 |
| Average earning assets | $229,323,670 | 2,591 |
| Average equity | $15,292,670 | 3,937 |
| Average total loans | $131,345,000 | 3,177 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0162% | 4,943 |
| Cost of funding earning assets | 1.4941% | 3,602 |
| Net interest margin | 3.5221% | 5,077 |
| Noninterest income to average assets | 0.8911% | 1,660 |
| Noninterest expense to average assets | 3.4654% | 2,067 |
| Loan and lease loss provision to assets | 1.1599% | 1,053 |
| Net operating income to assets | -0.4783% | 6,812 |
| Return on assets (ROA) | -0.9503% | 7,110 |
| Pretax return on assets | -0.9599% | 7,033 |
| Return on Equity (ROE) | -16.2656% | 7,345 |
| Retained earnings to average equity (ytd only) | -16.2656% | 7,253 |
| Net charge-offs to loans | 2.3801% | 706 |
| Credit loss provision to net charge-offs | 92.2392% | 3,612 |
| Earnings coverage of net charge-offs (x) | 0.5382% | 4,553 |
| Efficiency ratio | 83.6616% | 2,053 |
| Assets per employee ($millions) | 3.5829% | 4,860 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0277% | 6,333 |
| Loan loss allowance to noncurrent loans | 54.9210% | 4,663 |
| Noncurrent assets plus other real estate owned to assets | 2.8736% | 2,510 |
| Noncurrent loans to loans | 1.8712% | 3,966 |
| Net loans and leases to total assets | 52.0681% | 6,265 |
| Net loans and leases to deposits | 65.8629% | 5,837 |
| Net loans and leases to core deposits | 67.5598% | 6,142 |
| Total domestic deposits to total assets | 79.0554% | 6,066 |
| Equity capital to assets | 6.1714% | 7,597 |
| Core capital (leverage) ratio | 7.3060% | 7,023 |
| Tier 1 risk-based capital ratio | 10.3803% | 6,731 |
| Total risk-based capital ratio | 11.1365% | 7,094 |
| Memoranda: | ||
| Average total assets | $250,016,000 | 2,653 |
| Average earning assets | $230,773,500 | 2,638 |
| Average equity | $14,607,500 | 4,096 |
| Average total loans | $132,093,000 | 3,219 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5394% | 3,932 |
| Cost of funding earning assets | 1.7897% | 4,042 |
| Net interest margin | 3.7497% | 3,914 |
| Noninterest income to average assets | 0.9636% | 1,689 |
| Noninterest expense to average assets | 3.4047% | 2,667 |
| Loan and lease loss provision to assets | 0.4536% | 4,105 |
| Net operating income to assets | 0.5709% | 3,439 |
| Return on assets (ROA) | -0.1052% | 5,692 |
| Pretax return on assets | -0.0798% | 5,572 |
| Return on Equity (ROE) | -1.8772% | 5,839 |
| Retained earnings to average equity (ytd only) | -6.9120% | 6,234 |
| Net charge-offs to loans | 0.8710% | 2,658 |
| Credit loss provision to net charge-offs | 92.6689% | 5,906 |
| Earnings coverage of net charge-offs (x) | 2.1450% | 4,117 |
| Efficiency ratio | 76.4323% | 3,452 |
| Assets per employee ($millions) | 3.4615% | 5,100 |
| Cash dividends to net income (ytd only)* | -268.1992% | 7,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0715% | 6,034 |
| Loan loss allowance to noncurrent loans | 180.5096% | 1,628 |
| Noncurrent assets plus other real estate owned to assets | 2.6719% | 2,626 |
| Noncurrent loans to loans | 0.5936% | 6,051 |
| Net loans and leases to total assets | 52.4917% | 6,364 |
| Net loans and leases to deposits | 66.9563% | 5,953 |
| Net loans and leases to core deposits | 76.8644% | 6,345 |
| Total domestic deposits to total assets | 78.3969% | 6,144 |
| Equity capital to assets | 5.5118% | 7,732 |
| Core capital (leverage) ratio | 7.6342% | 6,641 |
| Tier 1 risk-based capital ratio | 10.4779% | 6,413 |
| Total risk-based capital ratio | 11.2508% | 6,839 |
| Memoranda: | ||
| Average total assets | $248,037,600 | 2,631 |
| Average earning assets | $230,928,200 | 2,590 |
| Average equity | $13,903,400 | 4,280 |
| Average total loans | $139,381,600 | 3,098 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6197% | 3,745 |
| Cost of funding earning assets | 1.8533% | 4,132 |
| Net interest margin | 3.7664% | 3,795 |
| Noninterest income to average assets | 0.9747% | 1,688 |
| Noninterest expense to average assets | 3.3308% | 2,803 |
| Loan and lease loss provision to assets | 0.3364% | 4,319 |
| Net operating income to assets | 0.7785% | 2,898 |
| Return on assets (ROA) | 0.5473% | 3,883 |
| Pretax return on assets | 0.5812% | 4,247 |
| Return on Equity (ROE) | 9.7237% | 2,024 |
| Retained earnings to average equity (ytd only) | 5.4212% | 2,243 |
| Net charge-offs to loans | 0.9322% | 2,106 |
| Credit loss provision to net charge-offs | 63.3232% | 6,116 |
| Earnings coverage of net charge-offs (x) | 2.1905% | 4,181 |
| Efficiency ratio | 74.1109% | 3,846 |
| Assets per employee ($millions) | 3.4879% | 4,960 |
| Cash dividends to net income (ytd only)* | 44.2480% | 2,260 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8140% | 7,076 |
| Loan loss allowance to noncurrent loans | 22.1534% | 6,969 |
| Noncurrent assets plus other real estate owned to assets | 3.4301% | 1,949 |
| Noncurrent loans to loans | 3.6742% | 2,032 |
| Net loans and leases to total assets | 55.5107% | 6,197 |
| Net loans and leases to deposits | 71.9010% | 5,670 |
| Net loans and leases to core deposits | 82.9661% | 6,123 |
| Total domestic deposits to total assets | 77.2045% | 6,290 |
| Equity capital to assets | 7.0060% | 7,595 |
| Core capital (leverage) ratio | 8.0920% | 6,195 |
| Tier 1 risk-based capital ratio | 10.6040% | 6,339 |
| Total risk-based capital ratio | 11.1890% | 6,987 |
| Memoranda: | ||
| Average total assets | $247,740,000 | 2,643 |
| Average earning assets | $231,513,500 | 2,600 |
| Average equity | $13,945,000 | 4,307 |
| Average total loans | $141,166,750 | 3,094 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7034% | 3,521 |
| Cost of funding earning assets | 1.9229% | 4,147 |
| Net interest margin | 3.7805% | 3,635 |
| Noninterest income to average assets | 0.9716% | 1,688 |
| Noninterest expense to average assets | 3.3664% | 2,737 |
| Loan and lease loss provision to assets | 0.1825% | 5,213 |
| Net operating income to assets | 0.8539% | 2,637 |
| Return on assets (ROA) | 0.4736% | 4,315 |
| Pretax return on assets | 0.5255% | 4,534 |
| Return on Equity (ROE) | 9.1761% | 2,294 |
| Retained earnings to average equity (ytd only) | 3.6767% | 3,249 |
| Net charge-offs to loans | 0.5687% | 2,626 |
| Credit loss provision to net charge-offs | 55.9701% | 5,664 |
| Earnings coverage of net charge-offs (x) | 3.4677% | 3,430 |
| Efficiency ratio | 74.8602% | 3,898 |
| Assets per employee ($millions) | 3.4967% | 4,821 |
| Cash dividends to net income (ytd only)* | 59.9315% | 1,681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 6,492 |
| Loan loss allowance to noncurrent loans | 23.5931% | 6,931 |
| Noncurrent assets plus other real estate owned to assets | 2.3081% | 2,820 |
| Noncurrent loans to loans | 4.0766% | 1,647 |
| Net loans and leases to total assets | 54.3575% | 6,404 |
| Net loans and leases to deposits | 68.7832% | 6,113 |
| Net loans and leases to core deposits | 81.3427% | 6,297 |
| Total domestic deposits to total assets | 79.0273% | 5,804 |
| Equity capital to assets | 5.8778% | 7,949 |
| Core capital (leverage) ratio | 8.2157% | 5,958 |
| Tier 1 risk-based capital ratio | 10.1963% | 6,722 |
| Total risk-based capital ratio | 10.8605% | 7,259 |
| Memoranda: | ||
| Average total assets | $246,610,670 | 2,673 |
| Average earning assets | $229,969,330 | 2,632 |
| Average equity | $12,728,670 | 4,617 |
| Average total loans | $141,373,330 | 3,120 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8124% | 3,240 |
| Cost of funding earning assets | 2.0114% | 4,076 |
| Net interest margin | 3.8010% | 3,436 |
| Noninterest income to average assets | 0.9654% | 1,589 |
| Noninterest expense to average assets | 3.3585% | 2,476 |
| Loan and lease loss provision to assets | 0.1229% | 5,391 |
| Net operating income to assets | 1.0244% | 2,213 |
| Return on assets (ROA) | 1.2867% | 1,513 |
| Pretax return on assets | 1.2867% | 2,327 |
| Return on Equity (ROE) | 26.8514% | 147 |
| Retained earnings to average equity (ytd only) | 14.8794% | 431 |
| Net charge-offs to loans | 0.5791% | 2,016 |
| Credit loss provision to net charge-offs | 36.2319% | 4,870 |
| Earnings coverage of net charge-offs (x) | 3.3816% | 3,196 |
| Efficiency ratio | 74.5362% | 3,726 |
| Assets per employee ($millions) | 3.3504% | 5,203 |
| Cash dividends to net income (ytd only)* | 44.5860% | 1,937 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9705% | 6,367 |
| Loan loss allowance to noncurrent loans | 37.6645% | 6,035 |
| Noncurrent assets plus other real estate owned to assets | 1.5284% | 3,641 |
| Noncurrent loans to loans | 2.5768% | 2,560 |
| Net loans and leases to total assets | 57.3229% | 6,050 |
| Net loans and leases to deposits | 72.1610% | 5,726 |
| Net loans and leases to core deposits | 86.3139% | 5,877 |
| Total domestic deposits to total assets | 79.4375% | 5,564 |
| Equity capital to assets | 4.7241% | 8,135 |
| Core capital (leverage) ratio | 8.3851% | 5,740 |
| Tier 1 risk-based capital ratio | 11.5459% | 5,360 |
| Total risk-based capital ratio | 12.3158% | 5,750 |
| Memoranda: | ||
| Average total assets | $244,035,500 | 2,720 |
| Average earning assets | $227,306,500 | 2,677 |
| Average equity | $11,694,000 | 4,923 |
| Average total loans | $142,970,000 | 3,119 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0455% | 5,323 |
| Cost of funding earning assets | 2.4341% | 4,552 |
| Net interest margin | 3.6114% | 4,834 |
| Noninterest income to average assets | 1.1954% | 1,056 |
| Noninterest expense to average assets | 3.8109% | 1,734 |
| Loan and lease loss provision to assets | 0.2196% | 4,691 |
| Net operating income to assets | 0.4549% | 4,930 |
| Return on assets (ROA) | 0.3137% | 5,312 |
| Pretax return on assets | 0.3493% | 5,396 |
| Return on Equity (ROE) | 5.0601% | 4,360 |
| Retained earnings to average equity (ytd only) | 3.0361% | 3,278 |
| Net charge-offs to loans | 0.4630% | 2,514 |
| Credit loss provision to net charge-offs | 80.6452% | 5,889 |
| Earnings coverage of net charge-offs (x) | 2.6651% | 4,749 |
| Efficiency ratio | 84.0033% | 2,055 |
| Assets per employee ($millions) | 3.4295% | 4,855 |
| Cash dividends to net income (ytd only)* | 40.0000% | 3,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0432% | 5,685 |
| Loan loss allowance to noncurrent loans | 55.0037% | 5,224 |
| Noncurrent assets plus other real estate owned to assets | 1.1881% | 3,881 |
| Noncurrent loans to loans | 1.8965% | 2,911 |
| Net loans and leases to total assets | 58.6714% | 6,110 |
| Net loans and leases to deposits | 73.2960% | 5,917 |
| Net loans and leases to core deposits | 87.6701% | 6,002 |
| Total domestic deposits to total assets | 80.0472% | 5,003 |
| Equity capital to assets | 4.8601% | 8,204 |
| Core capital (leverage) ratio | 8.6075% | 5,368 |
| Tier 1 risk-based capital ratio | 11.3626% | 5,370 |
| Total risk-based capital ratio | 12.2116% | 5,667 |
| Memoranda: | ||
| Average total assets | $239,077,600 | 2,664 |
| Average earning assets | $221,187,600 | 2,647 |
| Average equity | $14,821,800 | 4,178 |
| Average total loans | $140,594,800 | 3,087 |