Home > Hamilton State Bank > Performance and Condition Ratios
Hamilton State Bank, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6244% | 1,499 |
| Cost of funding earning assets | 0.3753% | 3,775 |
| Net interest margin | 4.2491% | 1,052 |
| Noninterest income to average assets | 0.3287% | 3,953 |
| Noninterest expense to average assets | 2.5307% | 3,560 |
| Loan and lease loss provision to assets | -0.0079% | 5,403 |
| Net operating income to assets | 1.4445% | 1,210 |
| Return on assets (ROA) | 1.4440% | 1,218 |
| Pretax return on assets | 1.8560% | 808 |
| Return on Equity (ROE) | 13.4911% | 1,137 |
| Retained earnings to average equity (ytd only) | -9.6317% | 5,361 |
| Net charge-offs to loans | 0.0176% | 2,159 |
| Credit loss provision to net charge-offs | -61.4035% | 3,638 |
| Earnings coverage of net charge-offs (x) | 144.1579% | 446 |
| Efficiency ratio | 56.3422% | 4,537 |
| Assets per employee ($millions) | 5.3136% | 2,128 |
| Cash dividends to net income (ytd only)* | 171.3930% | 246 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8650% | 4,582 |
| Loan loss allowance to noncurrent loans | 132.0621% | 2,965 |
| Noncurrent assets plus other real estate owned to assets | 0.5467% | 2,699 |
| Noncurrent loans to loans | 0.6550% | 2,588 |
| Net loans and leases to total assets | 72.2386% | 2,129 |
| Net loans and leases to deposits | 82.0450% | 2,587 |
| Net loans and leases to core deposits | 85.2382% | 2,866 |
| Total domestic deposits to total assets | 88.0475% | 1,592 |
| Equity capital to assets | 10.5210% | 3,056 |
| Core capital (leverage) ratio | 10.2078% | 3,293 |
| Tier 1 risk-based capital ratio | 13.1383% | 3,882 |
| Total risk-based capital ratio | 13.9600% | 4,010 |
| Memoranda: | ||
| Average total assets | $1,777,819,000 | 464 |
| Average earning assets | $1,694,851,000 | 442 |
| Average equity | $190,288,000 | 467 |
| Average total loans | $1,296,628,000 | 450 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9086% | 780 |
| Cost of funding earning assets | 0.3472% | 3,740 |
| Net interest margin | 4.5614% | 539 |
| Noninterest income to average assets | 0.1321% | 5,284 |
| Noninterest expense to average assets | 2.5440% | 3,626 |
| Loan and lease loss provision to assets | -0.0245% | 5,340 |
| Net operating income to assets | 0.9260% | 2,570 |
| Return on assets (ROA) | 0.9264% | 2,595 |
| Pretax return on assets | 1.9290% | 572 |
| Return on Equity (ROE) | 8.4556% | 2,579 |
| Retained earnings to average equity (ytd only) | -17.0299% | 5,603 |
| Net charge-offs to loans | 0.0238% | 3,331 |
| Credit loss provision to net charge-offs | -145.0331% | 4,753 |
| Earnings coverage of net charge-offs (x) | 112.8874% | 596 |
| Efficiency ratio | 55.5526% | 4,806 |
| Assets per employee ($millions) | 5.1917% | 2,262 |
| Cash dividends to net income (ytd only)* | 301.4045% | 57 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8762% | 4,573 |
| Loan loss allowance to noncurrent loans | 140.9932% | 2,923 |
| Noncurrent assets plus other real estate owned to assets | 0.5224% | 2,818 |
| Noncurrent loans to loans | 0.6215% | 2,673 |
| Net loans and leases to total assets | 72.3589% | 2,168 |
| Net loans and leases to deposits | 82.6286% | 2,650 |
| Net loans and leases to core deposits | 85.8191% | 2,920 |
| Total domestic deposits to total assets | 87.5713% | 1,723 |
| Equity capital to assets | 10.8863% | 2,745 |
| Core capital (leverage) ratio | 10.4458% | 2,905 |
| Tier 1 risk-based capital ratio | 13.4386% | 3,664 |
| Total risk-based capital ratio | 14.2686% | 3,792 |
| Memoranda: | ||
| Average total assets | $1,790,700,200 | 444 |
| Average earning assets | $1,694,273,000 | 431 |
| Average equity | $196,190,600 | 447 |
| Average total loans | $1,267,338,800 | 439 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9648% | 659 |
| Cost of funding earning assets | 0.3441% | 3,731 |
| Net interest margin | 4.6207% | 469 |
| Noninterest income to average assets | 0.0587% | 5,584 |
| Noninterest expense to average assets | 2.5690% | 3,502 |
| Loan and lease loss provision to assets | 0.0072% | 3,982 |
| Net operating income to assets | 1.2056% | 1,668 |
| Return on assets (ROA) | 1.2062% | 1,701 |
| Pretax return on assets | 1.8480% | 790 |
| Return on Equity (ROE) | 10.9920% | 1,701 |
| Retained earnings to average equity (ytd only) | -22.8628% | 5,690 |
| Net charge-offs to loans | 0.0194% | 3,100 |
| Credit loss provision to net charge-offs | 53.0055% | 2,878 |
| Earnings coverage of net charge-offs (x) | 136.3792% | 573 |
| Efficiency ratio | 56.3519% | 4,696 |
| Assets per employee ($millions) | 5.1133% | 2,314 |
| Cash dividends to net income (ytd only)* | 307.9956% | 33 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9425% | 4,359 |
| Loan loss allowance to noncurrent loans | 126.1428% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.6726% | 2,479 |
| Noncurrent loans to loans | 0.7472% | 2,494 |
| Net loans and leases to total assets | 72.7132% | 2,144 |
| Net loans and leases to deposits | 83.1566% | 2,640 |
| Net loans and leases to core deposits | 86.3864% | 2,931 |
| Total domestic deposits to total assets | 87.4413% | 1,651 |
| Equity capital to assets | 10.9952% | 2,871 |
| Core capital (leverage) ratio | 10.4372% | 3,050 |
| Tier 1 risk-based capital ratio | 13.1870% | 3,884 |
| Total risk-based capital ratio | 14.0732% | 4,031 |
| Memoranda: | ||
| Average total assets | $1,794,481,000 | 447 |
| Average earning assets | $1,695,023,250 | 436 |
| Average equity | $196,914,500 | 444 |
| Average total loans | $1,260,137,250 | 443 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0718% | 500 |
| Cost of funding earning assets | 0.3440% | 3,643 |
| Net interest margin | 4.7278% | 372 |
| Noninterest income to average assets | -0.0857% | 5,753 |
| Noninterest expense to average assets | 2.5483% | 3,585 |
| Loan and lease loss provision to assets | 0.0131% | 3,693 |
| Net operating income to assets | 1.1836% | 1,655 |
| Return on assets (ROA) | 1.1841% | 1,684 |
| Pretax return on assets | 1.8141% | 814 |
| Return on Equity (ROE) | 10.7974% | 1,717 |
| Retained earnings to average equity (ytd only) | -39.6859% | 5,758 |
| Net charge-offs to loans | 0.0219% | 2,784 |
| Credit loss provision to net charge-offs | 86.1314% | 2,192 |
| Earnings coverage of net charge-offs (x) | 120.4015% | 577 |
| Efficiency ratio | 56.3629% | 4,786 |
| Assets per employee ($millions) | 5.1062% | 2,269 |
| Cash dividends to net income (ytd only)* | 467.5519% | 28 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9867% | 4,231 |
| Loan loss allowance to noncurrent loans | 88.8009% | 3,770 |
| Noncurrent assets plus other real estate owned to assets | 1.0602% | 1,651 |
| Noncurrent loans to loans | 1.1112% | 1,765 |
| Net loans and leases to total assets | 69.5998% | 2,584 |
| Net loans and leases to deposits | 79.2857% | 2,994 |
| Net loans and leases to core deposits | 82.4557% | 3,213 |
| Total domestic deposits to total assets | 87.7835% | 1,577 |
| Equity capital to assets | 10.6573% | 3,164 |
| Core capital (leverage) ratio | 9.9751% | 3,567 |
| Tier 1 risk-based capital ratio | 13.1267% | 3,929 |
| Total risk-based capital ratio | 14.0424% | 4,033 |
| Memoranda: | ||
| Average total assets | $1,806,318,000 | 448 |
| Average earning assets | $1,704,130,670 | 438 |
| Average equity | $198,085,330 | 443 |
| Average total loans | $1,249,792,000 | 447 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1938% | 384 |
| Cost of funding earning assets | 0.3461% | 3,574 |
| Net interest margin | 4.8477% | 286 |
| Noninterest income to average assets | -0.2603% | 5,844 |
| Noninterest expense to average assets | 2.6529% | 3,300 |
| Loan and lease loss provision to assets | -0.0304% | 5,687 |
| Net operating income to assets | 1.0963% | 1,888 |
| Return on assets (ROA) | 1.0959% | 1,930 |
| Pretax return on assets | 1.6788% | 1,051 |
| Return on Equity (ROE) | 9.8594% | 2,024 |
| Retained earnings to average equity (ytd only) | -88.5382% | 5,841 |
| Net charge-offs to loans | 0.0373% | 2,048 |
| Credit loss provision to net charge-offs | -118.8034% | 3,967 |
| Earnings coverage of net charge-offs (x) | 64.4359% | 766 |
| Efficiency ratio | 59.7702% | 4,485 |
| Assets per employee ($millions) | 5.3745% | 2,002 |
| Cash dividends to net income (ytd only)* | 998.0040% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9661% | 4,465 |
| Loan loss allowance to noncurrent loans | 72.3647% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 1.2421% | 1,396 |
| Noncurrent loans to loans | 1.3351% | 1,516 |
| Net loans and leases to total assets | 67.3640% | 2,768 |
| Net loans and leases to deposits | 78.5743% | 2,908 |
| Net loans and leases to core deposits | 81.6555% | 3,122 |
| Total domestic deposits to total assets | 85.7329% | 2,782 |
| Equity capital to assets | 9.9664% | 3,797 |
| Core capital (leverage) ratio | 9.2367% | 4,426 |
| Tier 1 risk-based capital ratio | 12.7471% | 4,225 |
| Total risk-based capital ratio | 13.6474% | 4,355 |
| Memoranda: | ||
| Average total assets | $1,828,662,500 | 450 |
| Average earning assets | $1,720,965,500 | 437 |
| Average equity | $203,257,000 | 436 |
| Average total loans | $1,255,533,500 | 444 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7151% | 1,041 |
| Cost of funding earning assets | 0.3315% | 3,726 |
| Net interest margin | 4.3836% | 804 |
| Noninterest income to average assets | 0.0438% | 5,787 |
| Noninterest expense to average assets | 2.4189% | 4,250 |
| Loan and lease loss provision to assets | 0.1043% | 2,303 |
| Net operating income to assets | 1.0508% | 2,141 |
| Return on assets (ROA) | 1.0499% | 2,245 |
| Pretax return on assets | 1.6087% | 1,253 |
| Return on Equity (ROE) | 8.6569% | 2,587 |
| Retained earnings to average equity (ytd only) | 8.6569% | 656 |
| Net charge-offs to loans | 0.1769% | 1,552 |
| Credit loss provision to net charge-offs | 87.7407% | 2,843 |
| Earnings coverage of net charge-offs (x) | 14.4274% | 2,290 |
| Efficiency ratio | 56.4671% | 5,019 |
| Assets per employee ($millions) | 5.4136% | 1,942 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9567% | 4,545 |
| Loan loss allowance to noncurrent loans | 67.9474% | 4,271 |
| Noncurrent assets plus other real estate owned to assets | 1.3300% | 1,307 |
| Noncurrent loans to loans | 1.4080% | 1,443 |
| Net loans and leases to total assets | 68.6286% | 2,681 |
| Net loans and leases to deposits | 81.9038% | 2,683 |
| Net loans and leases to core deposits | 85.1088% | 2,919 |
| Total domestic deposits to total assets | 83.7916% | 3,504 |
| Equity capital to assets | 12.2437% | 1,661 |
| Core capital (leverage) ratio | 11.7501% | 1,759 |
| Tier 1 risk-based capital ratio | 15.7406% | 2,655 |
| Total risk-based capital ratio | 16.6377% | 2,731 |
| Memoranda: | ||
| Average total assets | $1,791,810,600 | 432 |
| Average earning assets | $1,671,559,600 | 426 |
| Average equity | $217,317,600 | 406 |
| Average total loans | $1,203,361,600 | 439 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7676% | 954 |
| Cost of funding earning assets | 0.3326% | 3,756 |
| Net interest margin | 4.4351% | 727 |
| Noninterest income to average assets | 0.0342% | 5,873 |
| Noninterest expense to average assets | 2.3875% | 4,312 |
| Loan and lease loss provision to assets | 0.1387% | 1,694 |
| Net operating income to assets | 1.0694% | 2,125 |
| Return on assets (ROA) | 1.0682% | 2,236 |
| Pretax return on assets | 1.6366% | 1,283 |
| Return on Equity (ROE) | 8.8294% | 2,589 |
| Retained earnings to average equity (ytd only) | 8.8294% | 869 |
| Net charge-offs to loans | 0.1390% | 1,600 |
| Credit loss provision to net charge-offs | 149.7573% | 1,775 |
| Earnings coverage of net charge-offs (x) | 19.1901% | 1,952 |
| Efficiency ratio | 55.3017% | 5,125 |
| Assets per employee ($millions) | 5.3576% | 1,999 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1090% | 3,782 |
| Loan loss allowance to noncurrent loans | 59.6063% | 4,519 |
| Noncurrent assets plus other real estate owned to assets | 1.7992% | 914 |
| Noncurrent loans to loans | 1.8605% | 1,085 |
| Net loans and leases to total assets | 67.6465% | 2,845 |
| Net loans and leases to deposits | 80.9838% | 2,855 |
| Net loans and leases to core deposits | 83.3220% | 3,187 |
| Total domestic deposits to total assets | 83.5309% | 3,386 |
| Equity capital to assets | 12.2928% | 1,898 |
| Core capital (leverage) ratio | 11.8562% | 1,783 |
| Tier 1 risk-based capital ratio | 15.7759% | 2,710 |
| Total risk-based capital ratio | 16.8181% | 2,737 |
| Memoranda: | ||
| Average total assets | $1,779,604,250 | 435 |
| Average earning assets | $1,657,329,250 | 430 |
| Average equity | $215,306,500 | 409 |
| Average total loans | $1,185,351,000 | 448 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7986% | 888 |
| Cost of funding earning assets | 0.3393% | 3,700 |
| Net interest margin | 4.4593% | 674 |
| Noninterest income to average assets | 0.0679% | 5,862 |
| Noninterest expense to average assets | 2.3376% | 4,507 |
| Loan and lease loss provision to assets | 0.1226% | 1,856 |
| Net operating income to assets | 1.1450% | 1,791 |
| Return on assets (ROA) | 1.1446% | 1,909 |
| Pretax return on assets | 1.7537% | 973 |
| Return on Equity (ROE) | 9.5131% | 2,268 |
| Retained earnings to average equity (ytd only) | 9.5131% | 712 |
| Net charge-offs to loans | 0.1749% | 1,292 |
| Credit loss provision to net charge-offs | 106.1765% | 2,016 |
| Earnings coverage of net charge-offs (x) | 16.2598% | 1,935 |
| Efficiency ratio | 53.4477% | 5,356 |
| Assets per employee ($millions) | 5.0981% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9764% | 4,634 |
| Loan loss allowance to noncurrent loans | 39.0226% | 5,076 |
| Noncurrent assets plus other real estate owned to assets | 2.2891% | 652 |
| Noncurrent loans to loans | 2.5020% | 697 |
| Net loans and leases to total assets | 66.5702% | 3,003 |
| Net loans and leases to deposits | 77.9149% | 3,167 |
| Net loans and leases to core deposits | 80.1545% | 3,450 |
| Total domestic deposits to total assets | 85.4396% | 2,670 |
| Equity capital to assets | 12.3778% | 1,847 |
| Core capital (leverage) ratio | 11.6335% | 1,884 |
| Tier 1 risk-based capital ratio | 16.4341% | 2,455 |
| Total risk-based capital ratio | 17.3672% | 2,528 |
| Memoranda: | ||
| Average total assets | $1,767,396,000 | 435 |
| Average earning assets | $1,643,380,000 | 432 |
| Average equity | $212,653,670 | 411 |
| Average total loans | $1,166,337,000 | 454 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8140% | 821 |
| Cost of funding earning assets | 0.3466% | 3,632 |
| Net interest margin | 4.4674% | 649 |
| Noninterest income to average assets | -0.1189% | 6,101 |
| Noninterest expense to average assets | 2.7134% | 3,369 |
| Loan and lease loss provision to assets | 0.0133% | 3,519 |
| Net operating income to assets | 0.8493% | 2,991 |
| Return on assets (ROA) | 0.8486% | 3,123 |
| Pretax return on assets | 1.3001% | 2,304 |
| Return on Equity (ROE) | 7.1550% | 3,373 |
| Retained earnings to average equity (ytd only) | 7.1550% | 1,817 |
| Net charge-offs to loans | -0.0021% | 4,122 |
| Credit loss provision to net charge-offs | -983.3333% | 4,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.2540% | 3,935 |
| Assets per employee ($millions) | 5.0315% | 2,308 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9773% | 4,723 |
| Loan loss allowance to noncurrent loans | 34.1655% | 5,202 |
| Noncurrent assets plus other real estate owned to assets | 2.5865% | 559 |
| Noncurrent loans to loans | 2.8604% | 589 |
| Net loans and leases to total assets | 65.4821% | 3,031 |
| Net loans and leases to deposits | 76.0867% | 3,212 |
| Net loans and leases to core deposits | 78.2491% | 3,473 |
| Total domestic deposits to total assets | 86.0624% | 2,648 |
| Equity capital to assets | 12.0253% | 2,023 |
| Core capital (leverage) ratio | 11.3583% | 2,085 |
| Tier 1 risk-based capital ratio | 16.3797% | 2,526 |
| Total risk-based capital ratio | 17.3234% | 2,600 |
| Memoranda: | ||
| Average total assets | $1,769,126,000 | 434 |
| Average earning assets | $1,642,194,000 | 428 |
| Average equity | $209,812,500 | 411 |
| Average total loans | $1,156,589,000 | 456 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4956% | 263 |
| Cost of funding earning assets | 0.3852% | 3,314 |
| Net interest margin | 5.1104% | 208 |
| Noninterest income to average assets | -0.2123% | 6,161 |
| Noninterest expense to average assets | 2.9126% | 2,811 |
| Loan and lease loss provision to assets | 0.1215% | 1,973 |
| Net operating income to assets | 0.8986% | 2,879 |
| Return on assets (ROA) | 0.8980% | 2,961 |
| Pretax return on assets | 1.3830% | 1,968 |
| Return on Equity (ROE) | 6.2548% | 3,922 |
| Retained earnings to average equity (ytd only) | 6.2548% | 1,672 |
| Net charge-offs to loans | 0.0112% | 4,082 |
| Credit loss provision to net charge-offs | 1,763.5593% | 198 |
| Earnings coverage of net charge-offs (x) | 218.4322% | 317 |
| Efficiency ratio | 64.0319% | 4,256 |
| Assets per employee ($millions) | 4.9503% | 2,420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9836% | 4,698 |
| Loan loss allowance to noncurrent loans | 34.9281% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 3.0978% | 414 |
| Noncurrent loans to loans | 2.8160% | 601 |
| Net loans and leases to total assets | 63.9913% | 3,281 |
| Net loans and leases to deposits | 74.2544% | 3,461 |
| Net loans and leases to core deposits | 76.4519% | 3,714 |
| Total domestic deposits to total assets | 86.1785% | 2,554 |
| Equity capital to assets | 11.6947% | 2,199 |
| Core capital (leverage) ratio | 10.8738% | 2,528 |
| Tier 1 risk-based capital ratio | 16.3783% | 2,536 |
| Total risk-based capital ratio | 17.3249% | 2,602 |
| Memoranda: | ||
| Average total assets | $1,712,098,800 | 427 |
| Average earning assets | $1,551,278,400 | 426 |
| Average equity | $245,810,000 | 351 |
| Average total loans | $1,050,057,200 | 458 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4485% | 292 |
| Cost of funding earning assets | 0.3833% | 3,396 |
| Net interest margin | 5.0652% | 221 |
| Noninterest income to average assets | -0.2429% | 6,252 |
| Noninterest expense to average assets | 2.8367% | 3,051 |
| Loan and lease loss provision to assets | 0.1719% | 1,232 |
| Net operating income to assets | 0.8644% | 3,116 |
| Return on assets (ROA) | 0.8636% | 3,205 |
| Pretax return on assets | 1.3136% | 2,341 |
| Return on Equity (ROE) | 5.7372% | 4,282 |
| Retained earnings to average equity (ytd only) | 5.7372% | 2,410 |
| Net charge-offs to loans | -0.0068% | 4,888 |
| Credit loss provision to net charge-offs | -4,207.6923% | 5,680 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7077% | 4,297 |
| Assets per employee ($millions) | 4.9559% | 2,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9226% | 5,111 |
| Loan loss allowance to noncurrent loans | 26.6888% | 5,492 |
| Noncurrent assets plus other real estate owned to assets | 4.0098% | 296 |
| Noncurrent loans to loans | 3.4568% | 457 |
| Net loans and leases to total assets | 61.1896% | 3,706 |
| Net loans and leases to deposits | 74.1078% | 3,537 |
| Net loans and leases to core deposits | 76.5323% | 3,735 |
| Total domestic deposits to total assets | 82.5684% | 3,961 |
| Equity capital to assets | 14.9007% | 763 |
| Core capital (leverage) ratio | 15.1619% | 609 |
| Tier 1 risk-based capital ratio | 21.7630% | 1,231 |
| Total risk-based capital ratio | 22.6391% | 1,260 |
| Memoranda: | ||
| Average total assets | $1,697,070,750 | 434 |
| Average earning assets | $1,529,955,000 | 434 |
| Average equity | $255,449,000 | 347 |
| Average total loans | $1,026,240,250 | 471 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6399% | 215 |
| Cost of funding earning assets | 0.3814% | 3,471 |
| Net interest margin | 5.2585% | 172 |
| Noninterest income to average assets | -0.2327% | 6,323 |
| Noninterest expense to average assets | 2.8966% | 2,910 |
| Loan and lease loss provision to assets | 0.1867% | 1,079 |
| Net operating income to assets | 0.9266% | 2,750 |
| Return on assets (ROA) | 0.9253% | 2,883 |
| Pretax return on assets | 1.4083% | 1,949 |
| Return on Equity (ROE) | 6.1248% | 4,070 |
| Retained earnings to average equity (ytd only) | 6.1248% | 2,158 |
| Net charge-offs to loans | 0.0443% | 2,815 |
| Credit loss provision to net charge-offs | 702.7273% | 481 |
| Earnings coverage of net charge-offs (x) | 60.1182% | 842 |
| Efficiency ratio | 62.5870% | 4,576 |
| Assets per employee ($millions) | 4.6711% | 2,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9628% | 5,046 |
| Loan loss allowance to noncurrent loans | 23.4589% | 5,631 |
| Noncurrent assets plus other real estate owned to assets | 4.9319% | 229 |
| Noncurrent loans to loans | 4.1040% | 366 |
| Net loans and leases to total assets | 61.3089% | 3,650 |
| Net loans and leases to deposits | 74.4176% | 3,443 |
| Net loans and leases to core deposits | 76.8523% | 3,680 |
| Total domestic deposits to total assets | 82.3850% | 4,157 |
| Equity capital to assets | 15.3074% | 646 |
| Core capital (leverage) ratio | 14.7014% | 671 |
| Tier 1 risk-based capital ratio | 22.6759% | 1,116 |
| Total risk-based capital ratio | 23.6041% | 1,136 |
| Memoranda: | ||
| Average total assets | $1,656,495,330 | 440 |
| Average earning assets | $1,488,797,000 | 444 |
| Average equity | $250,261,000 | 357 |
| Average total loans | $993,894,330 | 482 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7300% | 186 |
| Cost of funding earning assets | 0.3764% | 3,580 |
| Net interest margin | 5.3536% | 143 |
| Noninterest income to average assets | -0.3274% | 6,392 |
| Noninterest expense to average assets | 2.8775% | 2,979 |
| Loan and lease loss provision to assets | 0.2003% | 927 |
| Net operating income to assets | 0.9129% | 2,687 |
| Return on assets (ROA) | 0.9104% | 2,820 |
| Pretax return on assets | 1.3914% | 1,917 |
| Return on Equity (ROE) | 6.0658% | 3,997 |
| Retained earnings to average equity (ytd only) | 6.0658% | 2,454 |
| Net charge-offs to loans | 0.0692% | 2,039 |
| Credit loss provision to net charge-offs | 490.5325% | 564 |
| Earnings coverage of net charge-offs (x) | 39.0769% | 987 |
| Efficiency ratio | 62.4446% | 4,718 |
| Assets per employee ($millions) | 4.6842% | 2,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9710% | 5,163 |
| Loan loss allowance to noncurrent loans | 19.0250% | 5,731 |
| Noncurrent assets plus other real estate owned to assets | 5.3182% | 218 |
| Noncurrent loans to loans | 5.1039% | 255 |
| Net loans and leases to total assets | 58.5469% | 3,867 |
| Net loans and leases to deposits | 71.5486% | 3,586 |
| Net loans and leases to core deposits | 73.7370% | 3,804 |
| Total domestic deposits to total assets | 81.8282% | 4,560 |
| Equity capital to assets | 15.0097% | 715 |
| Core capital (leverage) ratio | 14.6321% | 662 |
| Tier 1 risk-based capital ratio | 24.5673% | 931 |
| Total risk-based capital ratio | 25.5503% | 946 |
| Memoranda: | ||
| Average total assets | $1,655,623,000 | 440 |
| Average earning assets | $1,484,545,500 | 446 |
| Average equity | $248,474,500 | 357 |
| Average total loans | $977,575,500 | 484 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2638% | 113 |
| Cost of funding earning assets | 0.3547% | 4,204 |
| Net interest margin | 5.9091% | 89 |
| Noninterest income to average assets | -0.5544% | 6,496 |
| Noninterest expense to average assets | 3.5275% | 1,422 |
| Loan and lease loss provision to assets | 0.1996% | 1,273 |
| Net operating income to assets | 0.6014% | 4,356 |
| Return on assets (ROA) | 0.6006% | 4,459 |
| Pretax return on assets | 0.9142% | 3,855 |
| Return on Equity (ROE) | 4.2011% | 5,021 |
| Retained earnings to average equity (ytd only) | 4.2011% | 3,206 |
| Net charge-offs to loans | 0.2416% | 1,758 |
| Credit loss provision to net charge-offs | 153.5038% | 1,580 |
| Earnings coverage of net charge-offs (x) | 8.5767% | 2,859 |
| Efficiency ratio | 73.7920% | 2,867 |
| Assets per employee ($millions) | 4.2198% | 3,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9243% | 5,390 |
| Loan loss allowance to noncurrent loans | 15.5562% | 5,885 |
| Noncurrent assets plus other real estate owned to assets | 5.8034% | 205 |
| Noncurrent loans to loans | 5.9414% | 198 |
| Net loans and leases to total assets | 58.6360% | 3,976 |
| Net loans and leases to deposits | 71.0650% | 3,781 |
| Net loans and leases to core deposits | 73.3283% | 3,985 |
| Total domestic deposits to total assets | 82.5104% | 4,243 |
| Equity capital to assets | 14.8684% | 724 |
| Core capital (leverage) ratio | 14.4202% | 720 |
| Tier 1 risk-based capital ratio | 23.4407% | 1,015 |
| Total risk-based capital ratio | 24.3366% | 1,050 |
| Memoranda: | ||
| Average total assets | $1,624,336,800 | 435 |
| Average earning assets | $1,428,600,400 | 440 |
| Average equity | $232,199,000 | 355 |
| Average total loans | $874,269,400 | 509 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2924% | 113 |
| Cost of funding earning assets | 0.3513% | 4,330 |
| Net interest margin | 5.9411% | 89 |
| Noninterest income to average assets | -0.5962% | 6,577 |
| Noninterest expense to average assets | 3.6015% | 1,294 |
| Loan and lease loss provision to assets | 0.1567% | 1,589 |
| Net operating income to assets | 0.5587% | 4,640 |
| Return on assets (ROA) | 0.5575% | 4,719 |
| Pretax return on assets | 0.8433% | 4,210 |
| Return on Equity (ROE) | 3.9399% | 5,192 |
| Retained earnings to average equity (ytd only) | 3.9399% | 3,843 |
| Net charge-offs to loans | 0.2038% | 1,842 |
| Credit loss provision to net charge-offs | 146.5796% | 1,610 |
| Earnings coverage of net charge-offs (x) | 9.3690% | 2,680 |
| Efficiency ratio | 76.3226% | 2,440 |
| Assets per employee ($millions) | 3.8481% | 4,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8632% | 5,705 |
| Loan loss allowance to noncurrent loans | 13.1710% | 6,006 |
| Noncurrent assets plus other real estate owned to assets | 6.6510% | 192 |
| Noncurrent loans to loans | 6.5538% | 191 |
| Net loans and leases to total assets | 56.2567% | 4,298 |
| Net loans and leases to deposits | 68.1413% | 4,111 |
| Net loans and leases to core deposits | 70.0314% | 4,318 |
| Total domestic deposits to total assets | 82.5588% | 4,280 |
| Equity capital to assets | 14.7944% | 774 |
| Core capital (leverage) ratio | 14.2227% | 789 |
| Tier 1 risk-based capital ratio | 24.2950% | 952 |
| Total risk-based capital ratio | 25.1289% | 982 |
| Memoranda: | ||
| Average total assets | $1,622,153,000 | 433 |
| Average earning assets | $1,419,712,750 | 438 |
| Average equity | $229,546,000 | 352 |
| Average total loans | $851,211,500 | 518 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0654% | 141 |
| Cost of funding earning assets | 0.3517% | 4,420 |
| Net interest margin | 5.7137% | 98 |
| Noninterest income to average assets | -0.5266% | 6,650 |
| Noninterest expense to average assets | 3.6739% | 1,182 |
| Loan and lease loss provision to assets | 0.0952% | 2,439 |
| Net operating income to assets | 0.4611% | 4,967 |
| Return on assets (ROA) | 0.4593% | 5,046 |
| Pretax return on assets | 0.6894% | 4,676 |
| Return on Equity (ROE) | 3.2955% | 5,429 |
| Retained earnings to average equity (ytd only) | 3.2955% | 4,105 |
| Net charge-offs to loans | 0.1169% | 2,496 |
| Credit loss provision to net charge-offs | 159.5876% | 1,400 |
| Earnings coverage of net charge-offs (x) | 13.1938% | 1,991 |
| Efficiency ratio | 80.1969% | 1,994 |
| Assets per employee ($millions) | 3.7843% | 4,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8705% | 5,813 |
| Loan loss allowance to noncurrent loans | 10.1842% | 6,080 |
| Noncurrent assets plus other real estate owned to assets | 7.3546% | 163 |
| Noncurrent loans to loans | 8.5478% | 109 |
| Net loans and leases to total assets | 53.1632% | 4,628 |
| Net loans and leases to deposits | 63.8518% | 4,518 |
| Net loans and leases to core deposits | 65.5690% | 4,679 |
| Total domestic deposits to total assets | 83.2603% | 4,206 |
| Equity capital to assets | 14.2233% | 890 |
| Core capital (leverage) ratio | 13.6276% | 940 |
| Tier 1 risk-based capital ratio | 25.0615% | 867 |
| Total risk-based capital ratio | 25.9186% | 893 |
| Memoranda: | ||
| Average total assets | $1,625,416,670 | 434 |
| Average earning assets | $1,418,941,670 | 442 |
| Average equity | $226,548,330 | 353 |
| Average total loans | $829,962,330 | 524 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7152% | 215 |
| Cost of funding earning assets | 0.3430% | 4,610 |
| Net interest margin | 5.3722% | 150 |
| Noninterest income to average assets | -0.6504% | 6,721 |
| Noninterest expense to average assets | 3.9007% | 858 |
| Loan and lease loss provision to assets | -0.0092% | 6,397 |
| Net operating income to assets | 0.1047% | 6,019 |
| Return on assets (ROA) | 0.1036% | 6,053 |
| Pretax return on assets | 0.1250% | 6,034 |
| Return on Equity (ROE) | 0.7515% | 6,092 |
| Retained earnings to average equity (ytd only) | 0.7515% | 5,287 |
| Net charge-offs to loans | -0.2223% | 6,416 |
| Credit loss provision to net charge-offs | 8.2960% | 2,620 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7232% | 711 |
| Assets per employee ($millions) | 3.7949% | 4,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8208% | 6,056 |
| Loan loss allowance to noncurrent loans | 8.5833% | 6,181 |
| Noncurrent assets plus other real estate owned to assets | 7.6229% | 184 |
| Noncurrent loans to loans | 9.5625% | 111 |
| Net loans and leases to total assets | 50.3369% | 4,874 |
| Net loans and leases to deposits | 59.9826% | 4,762 |
| Net loans and leases to core deposits | 61.6296% | 4,912 |
| Total domestic deposits to total assets | 83.9192% | 4,300 |
| Equity capital to assets | 13.6437% | 1,057 |
| Core capital (leverage) ratio | 13.7550% | 907 |
| Tier 1 risk-based capital ratio | 25.6780% | 815 |
| Total risk-based capital ratio | 26.4980% | 844 |
| Memoranda: | ||
| Average total assets | $1,613,144,000 | 437 |
| Average earning assets | $1,401,732,500 | 450 |
| Average equity | $222,483,000 | 358 |
| Average total loans | $802,505,500 | 542 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7779% | 235 |
| Cost of funding earning assets | 0.4134% | 4,498 |
| Net interest margin | 5.3644% | 169 |
| Noninterest income to average assets | -0.0556% | 6,697 |
| Noninterest expense to average assets | 3.6601% | 1,352 |
| Loan and lease loss provision to assets | -0.0128% | 6,280 |
| Net operating income to assets | 0.5465% | 4,522 |
| Return on assets (ROA) | 0.5782% | 4,480 |
| Pretax return on assets | 0.8804% | 3,846 |
| Return on Equity (ROE) | 3.9927% | 5,118 |
| Retained earnings to average equity (ytd only) | 3.9927% | 3,355 |
| Net charge-offs to loans | 0.8247% | 752 |
| Credit loss provision to net charge-offs | -3.4965% | 5,668 |
| Earnings coverage of net charge-offs (x) | 2.2328% | 4,277 |
| Efficiency ratio | 79.7386% | 2,191 |
| Assets per employee ($millions) | 3.6963% | 4,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8815% | 5,980 |
| Loan loss allowance to noncurrent loans | 7.6147% | 6,283 |
| Noncurrent assets plus other real estate owned to assets | 8.3109% | 176 |
| Noncurrent loans to loans | 11.5765% | 83 |
| Net loans and leases to total assets | 48.2198% | 5,274 |
| Net loans and leases to deposits | 57.7467% | 5,150 |
| Net loans and leases to core deposits | 59.5585% | 5,251 |
| Total domestic deposits to total assets | 83.5023% | 4,361 |
| Equity capital to assets | 13.9539% | 914 |
| Core capital (leverage) ratio | 13.4650% | 966 |
| Tier 1 risk-based capital ratio | 27.5951% | 634 |
| Total risk-based capital ratio | 28.4760% | 646 |
| Memoranda: | ||
| Average total assets | $1,480,694,000 | 458 |
| Average earning assets | $1,251,780,400 | 483 |
| Average equity | $214,443,000 | 363 |
| Average total loans | $658,934,200 | 642 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0045% | 177 |
| Cost of funding earning assets | 0.4481% | 4,296 |
| Net interest margin | 5.5564% | 122 |
| Noninterest income to average assets | -0.0944% | 6,807 |
| Noninterest expense to average assets | 3.6521% | 1,322 |
| Loan and lease loss provision to assets | -0.0492% | 6,551 |
| Net operating income to assets | 0.6383% | 4,187 |
| Return on assets (ROA) | 0.6805% | 4,099 |
| Pretax return on assets | 1.0417% | 3,330 |
| Return on Equity (ROE) | 4.6541% | 4,903 |
| Retained earnings to average equity (ytd only) | 4.6541% | 3,356 |
| Net charge-offs to loans | 1.1325% | 492 |
| Credit loss provision to net charge-offs | -10.0111% | 5,608 |
| Earnings coverage of net charge-offs (x) | 1.8868% | 4,200 |
| Efficiency ratio | 77.9018% | 2,441 |
| Assets per employee ($millions) | 3.7347% | 4,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8949% | 6,067 |
| Loan loss allowance to noncurrent loans | 7.3552% | 6,370 |
| Noncurrent assets plus other real estate owned to assets | 8.7983% | 186 |
| Noncurrent loans to loans | 12.1666% | 79 |
| Net loans and leases to total assets | 46.4768% | 5,494 |
| Net loans and leases to deposits | 55.7268% | 5,397 |
| Net loans and leases to core deposits | 57.6837% | 5,473 |
| Total domestic deposits to total assets | 83.4011% | 4,416 |
| Equity capital to assets | 13.9395% | 979 |
| Core capital (leverage) ratio | 13.2311% | 1,118 |
| Tier 1 risk-based capital ratio | 31.3206% | 463 |
| Total risk-based capital ratio | 32.3071% | 462 |
| Memoranda: | ||
| Average total assets | $1,465,528,750 | 465 |
| Average earning assets | $1,232,831,750 | 489 |
| Average equity | $214,284,000 | 363 |
| Average total loans | $636,205,500 | 664 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7853% | 246 |
| Cost of funding earning assets | 0.4603% | 4,307 |
| Net interest margin | 5.3250% | 178 |
| Noninterest income to average assets | 0.0550% | 6,659 |
| Noninterest expense to average assets | 3.4075% | 1,805 |
| Loan and lease loss provision to assets | -0.0798% | 6,687 |
| Net operating income to assets | 0.7611% | 3,510 |
| Return on assets (ROA) | 0.8216% | 3,345 |
| Pretax return on assets | 1.2792% | 2,373 |
| Return on Equity (ROE) | 5.5263% | 4,442 |
| Retained earnings to average equity (ytd only) | 5.5263% | 2,722 |
| Net charge-offs to loans | 1.7796% | 268 |
| Credit loss provision to net charge-offs | -10.6367% | 5,454 |
| Earnings coverage of net charge-offs (x) | 1.4728% | 4,045 |
| Efficiency ratio | 73.6166% | 3,200 |
| Assets per employee ($millions) | 3.7950% | 4,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0330% | 5,698 |
| Loan loss allowance to noncurrent loans | 7.5389% | 6,435 |
| Noncurrent assets plus other real estate owned to assets | 9.7799% | 155 |
| Noncurrent loans to loans | 13.7023% | 69 |
| Net loans and leases to total assets | 44.8501% | 5,655 |
| Net loans and leases to deposits | 53.3738% | 5,569 |
| Net loans and leases to core deposits | 55.3769% | 5,648 |
| Total domestic deposits to total assets | 84.0303% | 4,303 |
| Equity capital to assets | 13.4699% | 1,152 |
| Core capital (leverage) ratio | 13.3832% | 1,023 |
| Tier 1 risk-based capital ratio | 29.8099% | 530 |
| Total risk-based capital ratio | 30.8901% | 533 |
| Memoranda: | ||
| Average total assets | $1,436,166,000 | 467 |
| Average earning assets | $1,202,177,670 | 500 |
| Average equity | $213,523,000 | 360 |
| Average total loans | $605,410,330 | 686 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3548% | 457 |
| Cost of funding earning assets | 0.4718% | 4,351 |
| Net interest margin | 4.8830% | 349 |
| Noninterest income to average assets | 0.4141% | 4,358 |
| Noninterest expense to average assets | 3.2964% | 2,089 |
| Loan and lease loss provision to assets | 0.0526% | 3,741 |
| Net operating income to assets | 0.7078% | 3,654 |
| Return on assets (ROA) | 0.9128% | 2,740 |
| Pretax return on assets | 1.4644% | 1,671 |
| Return on Equity (ROE) | 5.8206% | 4,138 |
| Retained earnings to average equity (ytd only) | 5.8206% | 2,768 |
| Net charge-offs to loans | 0.0379% | 3,498 |
| Credit loss provision to net charge-offs | 344.2308% | 714 |
| Earnings coverage of net charge-offs (x) | 78.3077% | 476 |
| Efficiency ratio | 71.3977% | 3,736 |
| Assets per employee ($millions) | 3.7795% | 4,397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6691% | 3,136 |
| Loan loss allowance to noncurrent loans | 11.5448% | 6,482 |
| Noncurrent assets plus other real estate owned to assets | 10.1093% | 185 |
| Noncurrent loans to loans | 14.4576% | 88 |
| Net loans and leases to total assets | 39.4996% | 6,034 |
| Net loans and leases to deposits | 48.6628% | 5,871 |
| Net loans and leases to core deposits | 50.3957% | 5,951 |
| Total domestic deposits to total assets | 81.1699% | 5,456 |
| Equity capital to assets | 15.8680% | 578 |
| Core capital (leverage) ratio | 14.8756% | 608 |
| Tier 1 risk-based capital ratio | 36.6475% | 301 |
| Total risk-based capital ratio | 37.9028% | 294 |
| Memoranda: | ||
| Average total assets | $1,361,104,000 | 496 |
| Average earning assets | $1,137,001,500 | 529 |
| Average equity | $213,448,500 | 369 |
| Average total loans | $548,676,000 | 761 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9427% | 1,706 |
| Cost of funding earning assets | 0.5551% | 4,767 |
| Net interest margin | 4.3876% | 1,185 |
| Noninterest income to average assets | 3.3158% | 221 |
| Noninterest expense to average assets | 3.6955% | 1,425 |
| Loan and lease loss provision to assets | 1.1309% | 323 |
| Net operating income to assets | 1.2655% | 1,405 |
| Return on assets (ROA) | 1.2655% | 1,558 |
| Pretax return on assets | 2.0269% | 570 |
| Return on Equity (ROE) | 8.2766% | 2,973 |
| Retained earnings to average equity (ytd only) | 8.2766% | 1,039 |
| Net charge-offs to loans | 0.8339% | 1,389 |
| Credit loss provision to net charge-offs | 318.0013% | 766 |
| Earnings coverage of net charge-offs (x) | 8.8796% | 2,338 |
| Efficiency ratio | 52.5694% | 6,413 |
| Assets per employee ($millions) | 3.8896% | 4,173 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4622% | 1,168 |
| Loan loss allowance to noncurrent loans | 15.9148% | 6,476 |
| Noncurrent assets plus other real estate owned to assets | 10.7761% | 189 |
| Noncurrent loans to loans | 15.4708% | 73 |
| Net loans and leases to total assets | 39.4546% | 6,208 |
| Net loans and leases to deposits | 48.4698% | 6,074 |
| Net loans and leases to core deposits | 50.2454% | 6,135 |
| Total domestic deposits to total assets | 81.4003% | 5,278 |
| Equity capital to assets | 15.4982% | 635 |
| Core capital (leverage) ratio | 12.8737% | 1,165 |
| Tier 1 risk-based capital ratio | 34.1773% | 362 |
| Total risk-based capital ratio | 35.4446% | 359 |
| Memoranda: | ||
| Average total assets | $1,302,763,800 | 511 |
| Average earning assets | $1,050,341,200 | 561 |
| Average equity | $199,189,000 | 377 |
| Average total loans | $555,605,600 | 752 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8796% | 2,087 |
| Cost of funding earning assets | 0.5941% | 4,709 |
| Net interest margin | 4.2855% | 1,517 |
| Noninterest income to average assets | 4.6150% | 159 |
| Noninterest expense to average assets | 3.4892% | 1,788 |
| Loan and lease loss provision to assets | 0.7751% | 627 |
| Net operating income to assets | 2.3427% | 230 |
| Return on assets (ROA) | 2.3427% | 248 |
| Pretax return on assets | 3.7801% | 90 |
| Return on Equity (ROE) | 15.3779% | 836 |
| Retained earnings to average equity (ytd only) | 15.3779% | 217 |
| Net charge-offs to loans | 0.8234% | 1,328 |
| Credit loss provision to net charge-offs | 217.7344% | 1,277 |
| Earnings coverage of net charge-offs (x) | 12.7962% | 1,970 |
| Efficiency ratio | 42.2069% | 6,960 |
| Assets per employee ($millions) | 4.2223% | 3,423 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3423% | 4,619 |
| Loan loss allowance to noncurrent loans | 7.9144% | 6,661 |
| Noncurrent assets plus other real estate owned to assets | 10.7446% | 202 |
| Noncurrent loans to loans | 16.9598% | 72 |
| Net loans and leases to total assets | 39.8585% | 6,294 |
| Net loans and leases to deposits | 49.2366% | 6,174 |
| Net loans and leases to core deposits | 51.0258% | 6,240 |
| Total domestic deposits to total assets | 80.9531% | 5,371 |
| Equity capital to assets | 15.6451% | 678 |
| Core capital (leverage) ratio | 12.9447% | 1,208 |
| Tier 1 risk-based capital ratio | 34.8489% | 362 |
| Total risk-based capital ratio | 36.1017% | 356 |
| Memoranda: | ||
| Average total assets | $1,286,170,500 | 524 |
| Average earning assets | $1,029,234,750 | 577 |
| Average equity | $195,938,250 | 377 |
| Average total loans | $556,051,250 | 751 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1320% | 1,421 |
| Cost of funding earning assets | 0.7900% | 3,273 |
| Net interest margin | 4.3420% | 1,359 |
| Noninterest income to average assets | 6.2501% | 112 |
| Noninterest expense to average assets | 3.4473% | 1,912 |
| Loan and lease loss provision to assets | 0.1531% | 3,607 |
| Net operating income to assets | 3.7701% | 71 |
| Return on assets (ROA) | 3.7701% | 70 |
| Pretax return on assets | 6.0831% | 51 |
| Return on Equity (ROE) | 24.9992% | 147 |
| Retained earnings to average equity (ytd only) | 24.9992% | 56 |
| Net charge-offs to loans | 0.1562% | 3,666 |
| Credit loss provision to net charge-offs | 221.2963% | 1,286 |
| Earnings coverage of net charge-offs (x) | 90.1528% | 465 |
| Efficiency ratio | 34.9318% | 7,131 |
| Assets per employee ($millions) | 4.0482% | 3,774 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6652% | 6,864 |
| Loan loss allowance to noncurrent loans | 3.2836% | 6,723 |
| Noncurrent assets plus other real estate owned to assets | 12.2215% | 167 |
| Noncurrent loans to loans | 20.2588% | 43 |
| Net loans and leases to total assets | 43.0344% | 6,107 |
| Net loans and leases to deposits | 53.1737% | 5,942 |
| Net loans and leases to core deposits | 55.1329% | 6,013 |
| Total domestic deposits to total assets | 80.9317% | 5,490 |
| Equity capital to assets | 15.4472% | 688 |
| Core capital (leverage) ratio | 12.7273% | 1,245 |
| Tier 1 risk-based capital ratio | 34.9587% | 345 |
| Total risk-based capital ratio | 35.7590% | 353 |
| Memoranda: | ||
| Average total assets | $1,249,029,000 | 534 |
| Average earning assets | $987,652,330 | 602 |
| Average equity | $188,366,000 | 389 |
| Average total loans | $553,188,330 | 759 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9943% | 1,907 |
| Cost of funding earning assets | 0.9693% | 2,162 |
| Net interest margin | 4.0250% | 2,400 |
| Noninterest income to average assets | 5.4706% | 130 |
| Noninterest expense to average assets | 3.3966% | 2,016 |
| Loan and lease loss provision to assets | 0.1666% | 3,308 |
| Net operating income to assets | 3.1681% | 91 |
| Return on assets (ROA) | 3.1681% | 108 |
| Pretax return on assets | 5.1097% | 59 |
| Return on Equity (ROE) | 21.3191% | 301 |
| Retained earnings to average equity (ytd only) | 21.3191% | 151 |
| Net charge-offs to loans | -0.0465% | 6,505 |
| Credit loss provision to net charge-offs | -798.3607% | 5,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 38.3669% | 7,145 |
| Assets per employee ($millions) | 4.3251% | 3,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6544% | 6,930 |
| Loan loss allowance to noncurrent loans | 3.0757% | 6,792 |
| Noncurrent assets plus other real estate owned to assets | 13.0306% | 164 |
| Noncurrent loans to loans | 21.2761% | 38 |
| Net loans and leases to total assets | 43.3085% | 6,071 |
| Net loans and leases to deposits | 52.0709% | 5,961 |
| Net loans and leases to core deposits | 54.2335% | 6,040 |
| Total domestic deposits to total assets | 83.1721% | 4,854 |
| Equity capital to assets | 14.0346% | 1,018 |
| Core capital (leverage) ratio | 12.6068% | 1,291 |
| Tier 1 risk-based capital ratio | 37.0998% | 286 |
| Total risk-based capital ratio | 38.0169% | 288 |
| Memoranda: | ||
| Average total assets | $1,169,156,500 | 569 |
| Average earning assets | $930,181,000 | 647 |
| Average equity | $173,741,000 | 424 |
| Average total loans | $524,624,000 | 794 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0030% | 2,863 |
| Cost of funding earning assets | 0.7614% | 5,125 |
| Net interest margin | 4.2416% | 1,920 |
| Noninterest income to average assets | 3.2423% | 193 |
| Noninterest expense to average assets | 3.7541% | 1,430 |
| Loan and lease loss provision to assets | 1.2741% | 649 |
| Net operating income to assets | 0.9805% | 2,282 |
| Return on assets (ROA) | 1.0390% | 2,195 |
| Pretax return on assets | 1.7717% | 854 |
| Return on Equity (ROE) | 6.2113% | 3,769 |
| Retained earnings to average equity (ytd only) | 6.2113% | 1,904 |
| Net charge-offs to loans | 2.4014% | 499 |
| Credit loss provision to net charge-offs | 102.0601% | 3,397 |
| Earnings coverage of net charge-offs (x) | 2.3666% | 4,036 |
| Efficiency ratio | 54.7785% | 6,446 |
| Assets per employee ($millions) | 4.1213% | 3,608 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8317% | 6,680 |
| Loan loss allowance to noncurrent loans | 5.1005% | 6,850 |
| Noncurrent assets plus other real estate owned to assets | 12.2370% | 197 |
| Noncurrent loans to loans | 16.3064% | 105 |
| Net loans and leases to total assets | 46.5003% | 5,966 |
| Net loans and leases to deposits | 58.0712% | 5,689 |
| Net loans and leases to core deposits | 60.4353% | 5,802 |
| Total domestic deposits to total assets | 80.0747% | 5,722 |
| Equity capital to assets | 16.1642% | 560 |
| Core capital (leverage) ratio | 13.3978% | 1,007 |
| Tier 1 risk-based capital ratio | 41.2049% | 212 |
| Total risk-based capital ratio | 42.4021% | 211 |
| Memoranda: | ||
| Average total assets | $661,009,600 | 981 |
| Average earning assets | $540,175,000 | 1,106 |
| Average equity | $110,573,200 | 627 |
| Average total loans | $343,629,600 | 1,236 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7854% | 4,091 |
| Cost of funding earning assets | 1.0948% | 3,015 |
| Net interest margin | 3.6906% | 4,385 |
| Noninterest income to average assets | 6.1194% | 106 |
| Noninterest expense to average assets | 3.6237% | 1,659 |
| Loan and lease loss provision to assets | 1.5223% | 448 |
| Net operating income to assets | 2.4821% | 158 |
| Return on assets (ROA) | 2.4821% | 167 |
| Pretax return on assets | 4.0033% | 85 |
| Return on Equity (ROE) | 14.6513% | 906 |
| Retained earnings to average equity (ytd only) | 14.6513% | 250 |
| Net charge-offs to loans | 2.6683% | 394 |
| Credit loss provision to net charge-offs | 105.8278% | 3,131 |
| Earnings coverage of net charge-offs (x) | 3.8412% | 3,278 |
| Efficiency ratio | 39.0448% | 7,275 |
| Assets per employee ($millions) | 4.2679% | 3,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8272% | 6,765 |
| Loan loss allowance to noncurrent loans | 4.5764% | 6,941 |
| Noncurrent assets plus other real estate owned to assets | 13.3535% | 181 |
| Noncurrent loans to loans | 18.0762% | 78 |
| Net loans and leases to total assets | 48.6758% | 5,876 |
| Net loans and leases to deposits | 61.4211% | 5,470 |
| Net loans and leases to core deposits | 63.6138% | 5,661 |
| Total domestic deposits to total assets | 79.2493% | 5,937 |
| Equity capital to assets | 16.4076% | 564 |
| Core capital (leverage) ratio | 13.2047% | 1,148 |
| Tier 1 risk-based capital ratio | 43.4586% | 196 |
| Total risk-based capital ratio | 44.7099% | 193 |
| Memoranda: | ||
| Average total assets | $599,588,250 | 1,101 |
| Average earning assets | $492,267,000 | 1,239 |
| Average equity | $101,576,500 | 685 |
| Average total loans | $323,249,000 | 1,320 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1910% | 6,296 |
| Cost of funding earning assets | 0.9274% | 4,474 |
| Net interest margin | 3.2636% | 5,960 |
| Noninterest income to average assets | 7.0745% | 96 |
| Noninterest expense to average assets | 2.7670% | 4,559 |
| Loan and lease loss provision to assets | 0.6937% | 1,369 |
| Net operating income to assets | 3.9227% | 65 |
| Return on assets (ROA) | 3.9227% | 67 |
| Pretax return on assets | 6.3268% | 53 |
| Return on Equity (ROE) | 22.7085% | 209 |
| Retained earnings to average equity (ytd only) | 22.7085% | 69 |
| Net charge-offs to loans | 0.9173% | 1,697 |
| Credit loss provision to net charge-offs | 132.8405% | 2,301 |
| Earnings coverage of net charge-offs (x) | 13.4444% | 1,547 |
| Efficiency ratio | 28.0673% | 7,449 |
| Assets per employee ($millions) | 4.4723% | 2,889 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8117% | 6,850 |
| Loan loss allowance to noncurrent loans | 4.2895% | 6,988 |
| Noncurrent assets plus other real estate owned to assets | 13.9030% | 177 |
| Noncurrent loans to loans | 18.9227% | 75 |
| Net loans and leases to total assets | 48.8217% | 5,972 |
| Net loans and leases to deposits | 60.4794% | 5,676 |
| Net loans and leases to core deposits | 62.9308% | 5,817 |
| Total domestic deposits to total assets | 80.7245% | 5,615 |
| Equity capital to assets | 15.6030% | 681 |
| Core capital (leverage) ratio | 20.0897% | 219 |
| Tier 1 risk-based capital ratio | 43.8048% | 194 |
| Total risk-based capital ratio | 45.0561% | 191 |
| Memoranda: | ||
| Average total assets | $492,163,330 | 1,364 |
| Average earning assets | $409,119,330 | 1,483 |
| Average equity | $85,016,670 | 793 |
| Average total loans | $280,176,330 | 1,547 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7508% | 4,293 |
| Cost of funding earning assets | 0.8595% | 5,213 |
| Net interest margin | 3.8913% | 3,184 |
| Noninterest income to average assets | 0.2862% | 5,627 |
| Noninterest expense to average assets | 3.1237% | 3,166 |
| Loan and lease loss provision to assets | 1.0130% | 751 |
| Net operating income to assets | -0.2286% | 6,594 |
| Return on assets (ROA) | -0.2286% | 6,606 |
| Pretax return on assets | -0.3679% | 6,668 |
| Return on Equity (ROE) | -1.1278% | 6,501 |
| Retained earnings to average equity (ytd only) | -1.1278% | 6,014 |
| Net charge-offs to loans | -0.0621% | 6,956 |
| Credit loss provision to net charge-offs | -2,306.8966% | 6,270 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9204% | 2,242 |
| Assets per employee ($millions) | 4.4993% | 2,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1916% | 1,982 |
| Loan loss allowance to noncurrent loans | 58.4580% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 4.2680% | 1,533 |
| Noncurrent loans to loans | 3.7490% | 1,970 |
| Net loans and leases to total assets | 63.9864% | 3,445 |
| Net loans and leases to deposits | 89.1658% | 1,333 |
| Net loans and leases to core deposits | 93.3493% | 1,970 |
| Total domestic deposits to total assets | 71.7611% | 7,091 |
| Equity capital to assets | 25.0521% | 117 |
| Core capital (leverage) ratio | 23.4502% | 130 |
| Tier 1 risk-based capital ratio | 31.1659% | 469 |
| Total risk-based capital ratio | 32.4281% | 457 |
| Memoranda: | ||
| Average total assets | $264,178,000 | 2,434 |
| Average earning assets | $236,422,000 | 2,481 |
| Average equity | $53,556,500 | 1,250 |
| Average total loans | $186,923,000 | 2,225 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1892% | 3,661 |
| Cost of funding earning assets | 1.1807% | 4,672 |
| Net interest margin | 4.0085% | 2,987 |
| Noninterest income to average assets | -0.8676% | 7,614 |
| Noninterest expense to average assets | 3.3831% | 2,479 |
| Loan and lease loss provision to assets | 1.1905% | 1,320 |
| Net operating income to assets | -0.8364% | 6,597 |
| Return on assets (ROA) | -0.8364% | 6,626 |
| Pretax return on assets | -1.8736% | 6,982 |
| Return on Equity (ROE) | -5.8669% | 6,488 |
| Retained earnings to average equity (ytd only) | -5.8669% | 6,371 |
| Net charge-offs to loans | 1.5651% | 1,397 |
| Credit loss provision to net charge-offs | 100.4493% | 4,532 |
| Earnings coverage of net charge-offs (x) | -0.5764% | 6,486 |
| Efficiency ratio | 123.9189% | 368 |
| Assets per employee ($millions) | 4.1508% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7865% | 2,909 |
| Loan loss allowance to noncurrent loans | 53.9856% | 4,785 |
| Noncurrent assets plus other real estate owned to assets | 4.6517% | 1,424 |
| Noncurrent loans to loans | 3.3093% | 2,292 |
| Net loans and leases to total assets | 75.5585% | 1,360 |
| Net loans and leases to deposits | 92.6711% | 1,176 |
| Net loans and leases to core deposits | 97.2615% | 1,869 |
| Total domestic deposits to total assets | 81.5340% | 5,345 |
| Equity capital to assets | 14.7412% | 851 |
| Core capital (leverage) ratio | 9.2616% | 4,085 |
| Tier 1 risk-based capital ratio | 11.9083% | 5,558 |
| Total risk-based capital ratio | 13.1651% | 5,533 |
| Memoranda: | ||
| Average total assets | $262,922,400 | 2,427 |
| Average earning assets | $234,004,400 | 2,491 |
| Average equity | $37,481,600 | 1,760 |
| Average total loans | $199,091,800 | 2,162 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1668% | 4,005 |
| Cost of funding earning assets | 1.2347% | 4,653 |
| Net interest margin | 3.9320% | 3,395 |
| Noninterest income to average assets | -0.3630% | 7,645 |
| Noninterest expense to average assets | 3.1604% | 3,067 |
| Loan and lease loss provision to assets | 1.1886% | 1,208 |
| Net operating income to assets | -0.7498% | 6,765 |
| Return on assets (ROA) | -0.7498% | 6,799 |
| Pretax return on assets | -1.2095% | 6,942 |
| Return on Equity (ROE) | -5.3012% | 6,670 |
| Retained earnings to average equity (ytd only) | -5.3012% | 6,579 |
| Net charge-offs to loans | 1.6626% | 1,188 |
| Credit loss provision to net charge-offs | 94.7536% | 4,573 |
| Earnings coverage of net charge-offs (x) | -0.0167% | 6,044 |
| Efficiency ratio | 99.4918% | 759 |
| Assets per employee ($millions) | 4.0839% | 3,675 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6649% | 3,274 |
| Loan loss allowance to noncurrent loans | 54.7340% | 4,647 |
| Noncurrent assets plus other real estate owned to assets | 5.2184% | 1,206 |
| Noncurrent loans to loans | 3.0417% | 2,625 |
| Net loans and leases to total assets | 73.9221% | 1,823 |
| Net loans and leases to deposits | 88.8551% | 1,882 |
| Net loans and leases to core deposits | 95.8556% | 2,277 |
| Total domestic deposits to total assets | 83.1940% | 4,509 |
| Equity capital to assets | 14.3177% | 1,077 |
| Core capital (leverage) ratio | 9.8633% | 3,409 |
| Tier 1 risk-based capital ratio | 12.7437% | 4,780 |
| Total risk-based capital ratio | 13.9987% | 4,755 |
| Memoranda: | ||
| Average total assets | $267,428,250 | 2,420 |
| Average earning assets | $238,208,500 | 2,486 |
| Average equity | $37,826,750 | 1,757 |
| Average total loans | $201,762,750 | 2,173 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1980% | 3,972 |
| Cost of funding earning assets | 1.3086% | 4,482 |
| Net interest margin | 3.8894% | 3,495 |
| Noninterest income to average assets | 0.1750% | 6,652 |
| Noninterest expense to average assets | 3.0339% | 3,579 |
| Loan and lease loss provision to assets | 0.7666% | 1,876 |
| Net operating income to assets | -0.0990% | 6,227 |
| Return on assets (ROA) | -0.0990% | 6,300 |
| Pretax return on assets | -0.1595% | 6,298 |
| Return on Equity (ROE) | -0.7024% | 6,286 |
| Retained earnings to average equity (ytd only) | -0.7024% | 5,904 |
| Net charge-offs to loans | 0.6756% | 2,528 |
| Credit loss provision to net charge-offs | 150.2171% | 2,614 |
| Earnings coverage of net charge-offs (x) | 1.1896% | 4,611 |
| Efficiency ratio | 82.3327% | 2,115 |
| Assets per employee ($millions) | 4.4041% | 3,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8506% | 2,561 |
| Loan loss allowance to noncurrent loans | 118.6718% | 2,360 |
| Noncurrent assets plus other real estate owned to assets | 4.6929% | 1,379 |
| Noncurrent loans to loans | 1.5594% | 4,377 |
| Net loans and leases to total assets | 74.2435% | 1,853 |
| Net loans and leases to deposits | 93.1129% | 1,382 |
| Net loans and leases to core deposits | 101.3902% | 1,879 |
| Total domestic deposits to total assets | 79.7349% | 5,810 |
| Equity capital to assets | 14.4391% | 1,030 |
| Core capital (leverage) ratio | 10.0202% | 3,144 |
| Tier 1 risk-based capital ratio | 13.2593% | 4,244 |
| Total risk-based capital ratio | 14.5165% | 4,194 |
| Memoranda: | ||
| Average total assets | $270,810,000 | 2,412 |
| Average earning assets | $241,324,330 | 2,467 |
| Average equity | $38,156,670 | 1,742 |
| Average total loans | $204,547,330 | 2,173 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1645% | 4,225 |
| Cost of funding earning assets | 1.3479% | 4,513 |
| Net interest margin | 3.8166% | 3,718 |
| Noninterest income to average assets | 0.2291% | 6,316 |
| Noninterest expense to average assets | 2.9771% | 3,760 |
| Loan and lease loss provision to assets | 0.7574% | 1,676 |
| Net operating income to assets | -0.0598% | 6,385 |
| Return on assets (ROA) | -0.0598% | 6,468 |
| Pretax return on assets | -0.0963% | 6,462 |
| Return on Equity (ROE) | -0.4298% | 6,457 |
| Retained earnings to average equity (ytd only) | -0.4298% | 5,929 |
| Net charge-offs to loans | 0.0793% | 4,628 |
| Credit loss provision to net charge-offs | 1,265.8537% | 384 |
| Earnings coverage of net charge-offs (x) | 11.0488% | 1,685 |
| Efficiency ratio | 80.8263% | 2,436 |
| Assets per employee ($millions) | 4.4033% | 3,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8864% | 2,488 |
| Loan loss allowance to noncurrent loans | 128.7395% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 4.3510% | 1,561 |
| Noncurrent loans to loans | 1.4653% | 4,546 |
| Net loans and leases to total assets | 71.8088% | 2,497 |
| Net loans and leases to deposits | 87.8141% | 2,253 |
| Net loans and leases to core deposits | 99.0242% | 2,231 |
| Total domestic deposits to total assets | 81.7736% | 5,170 |
| Equity capital to assets | 13.7557% | 1,224 |
| Core capital (leverage) ratio | 10.2990% | 2,809 |
| Tier 1 risk-based capital ratio | 12.9455% | 4,378 |
| Total risk-based capital ratio | 14.2028% | 4,345 |
| Memoranda: | ||
| Average total assets | $274,091,000 | 2,437 |
| Average earning assets | $244,825,500 | 2,495 |
| Average equity | $38,157,500 | 1,761 |
| Average total loans | $206,878,000 | 2,210 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4012% | 4,694 |
| Cost of funding earning assets | 1.7357% | 4,330 |
| Net interest margin | 3.6655% | 4,280 |
| Noninterest income to average assets | 0.1497% | 6,982 |
| Noninterest expense to average assets | 3.5463% | 2,281 |
| Loan and lease loss provision to assets | 1.0810% | 2,113 |
| Net operating income to assets | -0.7240% | 6,386 |
| Return on assets (ROA) | -0.7231% | 6,379 |
| Pretax return on assets | -1.1663% | 6,521 |
| Return on Equity (ROE) | -5.3588% | 6,243 |
| Retained earnings to average equity (ytd only) | -5.3588% | 6,066 |
| Net charge-offs to loans | 1.1269% | 2,177 |
| Credit loss provision to net charge-offs | 121.9910% | 4,340 |
| Earnings coverage of net charge-offs (x) | -0.0979% | 6,332 |
| Efficiency ratio | 101.4840% | 1,030 |
| Assets per employee ($millions) | 4.5129% | 2,903 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5907% | 3,324 |
| Loan loss allowance to noncurrent loans | 90.1560% | 3,099 |
| Noncurrent assets plus other real estate owned to assets | 4.0735% | 1,621 |
| Noncurrent loans to loans | 1.7644% | 3,989 |
| Net loans and leases to total assets | 76.5843% | 1,678 |
| Net loans and leases to deposits | 96.3387% | 1,294 |
| Net loans and leases to core deposits | 116.7352% | 2,245 |
| Total domestic deposits to total assets | 79.4949% | 5,846 |
| Equity capital to assets | 14.0914% | 1,143 |
| Core capital (leverage) ratio | 10.2421% | 2,831 |
| Tier 1 risk-based capital ratio | 12.1848% | 4,783 |
| Total risk-based capital ratio | 13.4384% | 4,743 |
| Memoranda: | ||
| Average total assets | $276,598,800 | 2,369 |
| Average earning assets | $249,758,400 | 2,404 |
| Average equity | $37,321,600 | 1,797 |
| Average total loans | $217,499,600 | 2,121 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3974% | 4,964 |
| Cost of funding earning assets | 1.8903% | 3,930 |
| Net interest margin | 3.5071% | 4,831 |
| Noninterest income to average assets | 0.2340% | 6,552 |
| Noninterest expense to average assets | 3.5350% | 2,184 |
| Loan and lease loss provision to assets | 0.7960% | 2,374 |
| Net operating income to assets | -0.5728% | 6,502 |
| Return on assets (ROA) | -0.5725% | 6,495 |
| Pretax return on assets | -0.9231% | 6,620 |
| Return on Equity (ROE) | -4.2895% | 6,370 |
| Retained earnings to average equity (ytd only) | -4.2895% | 6,151 |
| Net charge-offs to loans | 0.7908% | 2,386 |
| Credit loss provision to net charge-offs | 127.6923% | 3,931 |
| Earnings coverage of net charge-offs (x) | -0.2046% | 6,292 |
| Efficiency ratio | 102.7160% | 957 |
| Assets per employee ($millions) | 4.2024% | 3,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4863% | 3,521 |
| Loan loss allowance to noncurrent loans | 64.9141% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 4.8467% | 1,217 |
| Noncurrent loans to loans | 2.2896% | 3,278 |
| Net loans and leases to total assets | 76.9954% | 1,786 |
| Net loans and leases to deposits | 95.3563% | 1,665 |
| Net loans and leases to core deposits | 121.0612% | 2,151 |
| Total domestic deposits to total assets | 80.7449% | 5,178 |
| Equity capital to assets | 13.9083% | 1,338 |
| Core capital (leverage) ratio | 10.5742% | 2,737 |
| Tier 1 risk-based capital ratio | 12.6461% | 4,440 |
| Total risk-based capital ratio | 13.8983% | 4,387 |
| Memoranda: | ||
| Average total assets | $278,054,500 | 2,379 |
| Average earning assets | $251,597,750 | 2,410 |
| Average equity | $37,113,000 | 1,828 |
| Average total loans | $219,193,500 | 2,133 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3671% | 5,313 |
| Cost of funding earning assets | 2.0269% | 3,648 |
| Net interest margin | 3.3401% | 5,403 |
| Noninterest income to average assets | 0.1902% | 6,936 |
| Noninterest expense to average assets | 3.6162% | 2,031 |
| Loan and lease loss provision to assets | 0.6722% | 2,418 |
| Net operating income to assets | -0.6612% | 6,718 |
| Return on assets (ROA) | -0.6607% | 6,725 |
| Pretax return on assets | -1.0655% | 6,861 |
| Return on Equity (ROE) | -5.0190% | 6,609 |
| Retained earnings to average equity (ytd only) | -5.0190% | 6,302 |
| Net charge-offs to loans | 0.4831% | 2,897 |
| Credit loss provision to net charge-offs | 176.0300% | 2,604 |
| Earnings coverage of net charge-offs (x) | -1.0318% | 6,235 |
| Efficiency ratio | 111.1407% | 822 |
| Assets per employee ($millions) | 4.2493% | 3,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4720% | 3,340 |
| Loan loss allowance to noncurrent loans | 53.0750% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 4.3952% | 1,293 |
| Noncurrent loans to loans | 2.7734% | 2,596 |
| Net loans and leases to total assets | 79.2299% | 1,478 |
| Net loans and leases to deposits | 98.3872% | 1,470 |
| Net loans and leases to core deposits | 125.6366% | 1,905 |
| Total domestic deposits to total assets | 80.5286% | 5,264 |
| Equity capital to assets | 14.0499% | 1,299 |
| Core capital (leverage) ratio | 10.5362% | 2,781 |
| Tier 1 risk-based capital ratio | 12.5810% | 4,457 |
| Total risk-based capital ratio | 13.8333% | 4,374 |
| Memoranda: | ||
| Average total assets | $279,688,000 | 2,376 |
| Average earning assets | $253,881,330 | 2,408 |
| Average equity | $36,820,330 | 1,857 |
| Average total loans | $221,095,000 | 2,148 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2422% | 6,150 |
| Cost of funding earning assets | 2.1062% | 3,622 |
| Net interest margin | 3.1360% | 6,086 |
| Noninterest income to average assets | 0.2539% | 6,430 |
| Noninterest expense to average assets | 3.5196% | 2,048 |
| Loan and lease loss provision to assets | 0.7759% | 1,655 |
| Net operating income to assets | -0.7401% | 7,089 |
| Return on assets (ROA) | -0.7392% | 7,121 |
| Pretax return on assets | -1.1920% | 7,253 |
| Return on Equity (ROE) | -5.8019% | 7,042 |
| Retained earnings to average equity (ytd only) | -5.8019% | 6,655 |
| Net charge-offs to loans | 0.5542% | 2,077 |
| Credit loss provision to net charge-offs | 178.5714% | 2,429 |
| Earnings coverage of net charge-offs (x) | -0.9610% | 5,352 |
| Efficiency ratio | 112.3238% | 763 |
| Assets per employee ($millions) | 4.2943% | 3,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3896% | 3,562 |
| Loan loss allowance to noncurrent loans | 64.3429% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 4.2445% | 1,173 |
| Noncurrent loans to loans | 2.1597% | 3,037 |
| Net loans and leases to total assets | 76.4882% | 2,163 |
| Net loans and leases to deposits | 95.5488% | 2,021 |
| Net loans and leases to core deposits | 123.1823% | 2,148 |
| Total domestic deposits to total assets | 80.0514% | 5,350 |
| Equity capital to assets | 13.5373% | 1,521 |
| Core capital (leverage) ratio | 10.3165% | 3,092 |
| Tier 1 risk-based capital ratio | 12.3339% | 4,673 |
| Total risk-based capital ratio | 13.5848% | 4,591 |
| Memoranda: | ||
| Average total assets | $283,555,500 | 2,371 |
| Average earning assets | $257,524,500 | 2,390 |
| Average equity | $36,126,000 | 1,897 |
| Average total loans | $222,299,000 | 2,163 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0460% | 5,317 |
| Cost of funding earning assets | 2.4548% | 4,448 |
| Net interest margin | 3.5912% | 4,930 |
| Noninterest income to average assets | 0.4889% | 4,703 |
| Noninterest expense to average assets | 3.6407% | 2,059 |
| Loan and lease loss provision to assets | 0.5451% | 2,639 |
| Net operating income to assets | -0.2573% | 6,690 |
| Return on assets (ROA) | -0.2573% | 6,535 |
| Pretax return on assets | -0.4500% | 6,606 |
| Return on Equity (ROE) | -2.0708% | 6,512 |
| Retained earnings to average equity (ytd only) | -6.5972% | 6,737 |
| Net charge-offs to loans | 0.6067% | 2,019 |
| Credit loss provision to net charge-offs | 114.8075% | 4,704 |
| Earnings coverage of net charge-offs (x) | 0.2004% | 6,118 |
| Efficiency ratio | 96.3112% | 1,136 |
| Assets per employee ($millions) | 4.1719% | 3,162 |
| Cash dividends to net income (ytd only)* | -218.5792% | 8,210 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2516% | 4,119 |
| Loan loss allowance to noncurrent loans | 61.6345% | 4,921 |
| Noncurrent assets plus other real estate owned to assets | 2.9377% | 1,573 |
| Noncurrent loans to loans | 2.0306% | 2,729 |
| Net loans and leases to total assets | 78.2355% | 2,072 |
| Net loans and leases to deposits | 95.8216% | 2,472 |
| Net loans and leases to core deposits | 123.5878% | 2,350 |
| Total domestic deposits to total assets | 81.6470% | 4,345 |
| Equity capital to assets | 11.9441% | 2,327 |
| Core capital (leverage) ratio | 12.2579% | 1,859 |
| Tier 1 risk-based capital ratio | 10.0660% | 6,668 |
| Total risk-based capital ratio | 11.2454% | 6,625 |
| Memoranda: | ||
| Average total assets | $213,336,800 | 2,962 |
| Average earning assets | $192,886,800 | 2,997 |
| Average equity | $26,511,200 | 2,514 |
| Average total loans | $166,981,400 | 2,674 |