Home > Harbor Community Bank > Performance and Condition Ratios
Harbor Community Bank, Performance and Condition Ratios
| 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 | 4.1450% | 2,899 |
| Cost of funding earning assets | 0.3779% | 3,436 |
| Net interest margin | 3.7670% | 2,540 |
| Noninterest income to average assets | 0.6312% | 2,301 |
| Noninterest expense to average assets | 2.9216% | 2,383 |
| Loan and lease loss provision to assets | 0.1676% | 1,310 |
| Net operating income to assets | 0.3544% | 4,818 |
| Return on assets (ROA) | 0.3550% | 4,840 |
| Pretax return on assets | 0.9415% | 3,773 |
| Return on Equity (ROE) | 3.1188% | 4,794 |
| Retained earnings to average equity (ytd only) | -3.5330% | 5,373 |
| Net charge-offs to loans | 0.2075% | 1,250 |
| Credit loss provision to net charge-offs | 135.7727% | 1,948 |
| Earnings coverage of net charge-offs (x) | 8.9771% | 2,843 |
| Efficiency ratio | 69.3665% | 2,642 |
| Assets per employee ($millions) | 4.5613% | 3,093 |
| Cash dividends to net income (ytd only)* | 213.2803% | 89 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6276% | 5,194 |
| Loan loss allowance to noncurrent loans | 29.9195% | 4,845 |
| Noncurrent assets plus other real estate owned to assets | 1.6473% | 792 |
| Noncurrent loans to loans | 2.0976% | 715 |
| Net loans and leases to total assets | 61.8238% | 3,644 |
| Net loans and leases to deposits | 76.0036% | 3,327 |
| Net loans and leases to core deposits | 80.0013% | 3,420 |
| Total domestic deposits to total assets | 81.3433% | 4,041 |
| Equity capital to assets | 11.0420% | 2,592 |
| Core capital (leverage) ratio | 9.7075% | 3,807 |
| Tier 1 risk-based capital ratio | 13.9415% | 3,393 |
| Total risk-based capital ratio | 14.5269% | 3,672 |
| Memoranda: | ||
| Average total assets | $1,981,309,600 | 410 |
| Average earning assets | $1,787,571,200 | 416 |
| Average equity | $225,504,400 | 402 |
| Average total loans | $1,178,995,200 | 462 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0707% | 3,089 |
| Cost of funding earning assets | 0.3660% | 3,499 |
| Net interest margin | 3.7047% | 2,743 |
| Noninterest income to average assets | 0.6460% | 2,229 |
| Noninterest expense to average assets | 2.9438% | 2,269 |
| Loan and lease loss provision to assets | 0.1648% | 1,229 |
| Net operating income to assets | 0.5625% | 4,535 |
| Return on assets (ROA) | 0.5633% | 4,567 |
| Pretax return on assets | 0.8774% | 4,114 |
| Return on Equity (ROE) | 4.9076% | 4,563 |
| Retained earnings to average equity (ytd only) | 4.9076% | 2,948 |
| Net charge-offs to loans | 0.2484% | 870 |
| Credit loss provision to net charge-offs | 112.9612% | 2,100 |
| Earnings coverage of net charge-offs (x) | 7.1339% | 2,910 |
| Efficiency ratio | 70.7230% | 2,416 |
| Assets per employee ($millions) | 4.2954% | 3,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5985% | 5,327 |
| Loan loss allowance to noncurrent loans | 28.6989% | 4,966 |
| Noncurrent assets plus other real estate owned to assets | 1.6362% | 894 |
| Noncurrent loans to loans | 2.0854% | 802 |
| Net loans and leases to total assets | 60.3432% | 3,821 |
| Net loans and leases to deposits | 74.7660% | 3,495 |
| Net loans and leases to core deposits | 79.4765% | 3,492 |
| Total domestic deposits to total assets | 80.7094% | 4,133 |
| Equity capital to assets | 11.8760% | 2,050 |
| Core capital (leverage) ratio | 10.7612% | 2,686 |
| Tier 1 risk-based capital ratio | 14.9394% | 2,944 |
| Total risk-based capital ratio | 15.4849% | 3,235 |
| Memoranda: | ||
| Average total assets | $1,931,563,750 | 423 |
| Average earning assets | $1,740,800,250 | 427 |
| Average equity | $221,693,500 | 410 |
| Average total loans | $1,134,630,500 | 480 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0321% | 3,082 |
| Cost of funding earning assets | 0.3571% | 3,506 |
| Net interest margin | 3.6750% | 2,740 |
| Noninterest income to average assets | 0.6830% | 2,068 |
| Noninterest expense to average assets | 2.9704% | 2,194 |
| Loan and lease loss provision to assets | 0.1690% | 1,161 |
| Net operating income to assets | 0.5487% | 4,529 |
| Return on assets (ROA) | 0.5497% | 4,564 |
| Pretax return on assets | 0.8537% | 4,088 |
| Return on Equity (ROE) | 4.8552% | 4,532 |
| Retained earnings to average equity (ytd only) | 4.8552% | 2,807 |
| Net charge-offs to loans | 0.3882% | 527 |
| Credit loss provision to net charge-offs | 75.1081% | 2,317 |
| Earnings coverage of net charge-offs (x) | 4.5382% | 2,912 |
| Efficiency ratio | 71.3163% | 2,469 |
| Assets per employee ($millions) | 4.1975% | 3,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6648% | 5,274 |
| Loan loss allowance to noncurrent loans | 23.7191% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 2.0525% | 607 |
| Noncurrent loans to loans | 2.8030% | 496 |
| Net loans and leases to total assets | 56.4445% | 4,174 |
| Net loans and leases to deposits | 66.9413% | 4,151 |
| Net loans and leases to core deposits | 70.6118% | 4,189 |
| Total domestic deposits to total assets | 84.3194% | 3,079 |
| Equity capital to assets | 11.2743% | 2,519 |
| Core capital (leverage) ratio | 10.2479% | 3,207 |
| Tier 1 risk-based capital ratio | 15.4537% | 2,726 |
| Total risk-based capital ratio | 16.0408% | 2,950 |
| Memoranda: | ||
| Average total assets | $1,849,504,000 | 442 |
| Average earning assets | $1,665,133,670 | 445 |
| Average equity | $209,381,670 | 424 |
| Average total loans | $1,072,163,330 | 502 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9987% | 3,045 |
| Cost of funding earning assets | 0.3422% | 3,611 |
| Net interest margin | 3.6565% | 2,668 |
| Noninterest income to average assets | 0.7642% | 1,691 |
| Noninterest expense to average assets | 3.0829% | 1,913 |
| Loan and lease loss provision to assets | -0.0181% | 5,671 |
| Net operating income to assets | 0.6315% | 4,010 |
| Return on assets (ROA) | 0.6315% | 4,056 |
| Pretax return on assets | 0.9843% | 3,434 |
| Return on Equity (ROE) | 5.5661% | 4,111 |
| Retained earnings to average equity (ytd only) | 5.5661% | 2,558 |
| Net charge-offs to loans | 0.3766% | 486 |
| Credit loss provision to net charge-offs | -8.2178% | 3,791 |
| Earnings coverage of net charge-offs (x) | 4.3812% | 2,396 |
| Efficiency ratio | 73.0317% | 2,401 |
| Assets per employee ($millions) | 4.1037% | 3,836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6110% | 5,459 |
| Loan loss allowance to noncurrent loans | 19.3125% | 5,197 |
| Noncurrent assets plus other real estate owned to assets | 2.2574% | 547 |
| Noncurrent loans to loans | 3.1636% | 409 |
| Net loans and leases to total assets | 56.7716% | 4,094 |
| Net loans and leases to deposits | 67.3821% | 4,054 |
| Net loans and leases to core deposits | 71.4332% | 4,037 |
| Total domestic deposits to total assets | 84.2532% | 3,375 |
| Equity capital to assets | 11.1634% | 2,464 |
| Core capital (leverage) ratio | 10.5179% | 2,886 |
| Tier 1 risk-based capital ratio | 15.5584% | 2,727 |
| Total risk-based capital ratio | 16.1099% | 2,967 |
| Memoranda: | ||
| Average total assets | $1,831,912,500 | 449 |
| Average earning assets | $1,645,718,000 | 450 |
| Average equity | $207,830,000 | 429 |
| Average total loans | $1,072,784,000 | 501 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0823% | 2,925 |
| Cost of funding earning assets | 0.3348% | 3,695 |
| Net interest margin | 3.7475% | 2,517 |
| Noninterest income to average assets | 0.6232% | 2,540 |
| Noninterest expense to average assets | 3.0459% | 2,194 |
| Loan and lease loss provision to assets | 0.1081% | 2,245 |
| Net operating income to assets | 0.5112% | 4,586 |
| Return on assets (ROA) | 0.5216% | 4,630 |
| Pretax return on assets | 0.8446% | 4,033 |
| Return on Equity (ROE) | 4.3162% | 4,727 |
| Retained earnings to average equity (ytd only) | -1.7695% | 5,516 |
| Net charge-offs to loans | 0.0878% | 2,444 |
| Credit loss provision to net charge-offs | 214.1256% | 1,328 |
| Earnings coverage of net charge-offs (x) | 18.5561% | 1,964 |
| Efficiency ratio | 72.9011% | 2,439 |
| Assets per employee ($millions) | 3.8591% | 4,211 |
| Cash dividends to net income (ytd only)* | 140.9978% | 170 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4418% | 5,708 |
| Loan loss allowance to noncurrent loans | 14.1301% | 5,276 |
| Noncurrent assets plus other real estate owned to assets | 2.4110% | 510 |
| Noncurrent loans to loans | 3.1264% | 422 |
| Net loans and leases to total assets | 59.7448% | 3,881 |
| Net loans and leases to deposits | 71.1679% | 3,794 |
| Net loans and leases to core deposits | 75.9543% | 3,753 |
| Total domestic deposits to total assets | 83.9491% | 3,438 |
| Equity capital to assets | 11.6416% | 2,051 |
| Core capital (leverage) ratio | 10.6952% | 2,662 |
| Tier 1 risk-based capital ratio | 16.0158% | 2,540 |
| Total risk-based capital ratio | 16.4255% | 2,826 |
| Memoranda: | ||
| Average total assets | $1,767,678,400 | 443 |
| Average earning assets | $1,584,422,200 | 444 |
| Average equity | $213,615,600 | 410 |
| Average total loans | $1,015,984,600 | 505 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0840% | 2,937 |
| Cost of funding earning assets | 0.3367% | 3,692 |
| Net interest margin | 3.7473% | 2,529 |
| Noninterest income to average assets | 0.6630% | 2,354 |
| Noninterest expense to average assets | 3.1495% | 1,901 |
| Loan and lease loss provision to assets | 0.1392% | 1,687 |
| Net operating income to assets | 0.4453% | 4,889 |
| Return on assets (ROA) | 0.4592% | 4,919 |
| Pretax return on assets | 0.7545% | 4,461 |
| Return on Equity (ROE) | 3.7647% | 4,999 |
| Retained earnings to average equity (ytd only) | -4.3007% | 5,707 |
| Net charge-offs to loans | 0.1350% | 1,625 |
| Credit loss provision to net charge-offs | 181.4596% | 1,547 |
| Earnings coverage of net charge-offs (x) | 11.3649% | 2,489 |
| Efficiency ratio | 74.6858% | 2,160 |
| Assets per employee ($millions) | 3.8151% | 4,279 |
| Cash dividends to net income (ytd only)* | 214.2387% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4462% | 5,772 |
| Loan loss allowance to noncurrent loans | 15.4958% | 5,358 |
| Noncurrent assets plus other real estate owned to assets | 2.3118% | 621 |
| Noncurrent loans to loans | 2.8793% | 546 |
| Net loans and leases to total assets | 56.9241% | 4,204 |
| Net loans and leases to deposits | 68.5739% | 4,099 |
| Net loans and leases to core deposits | 72.9519% | 4,092 |
| Total domestic deposits to total assets | 83.0114% | 3,593 |
| Equity capital to assets | 11.7293% | 2,316 |
| Core capital (leverage) ratio | 10.5665% | 2,912 |
| Tier 1 risk-based capital ratio | 16.2934% | 2,504 |
| Total risk-based capital ratio | 16.7023% | 2,783 |
| Memoranda: | ||
| Average total assets | $1,761,936,750 | 442 |
| Average earning assets | $1,579,144,250 | 446 |
| Average equity | $214,904,500 | 410 |
| Average total loans | $1,001,339,500 | 508 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1359% | 2,730 |
| Cost of funding earning assets | 0.3343% | 3,752 |
| Net interest margin | 3.8016% | 2,313 |
| Noninterest income to average assets | 0.6360% | 2,432 |
| Noninterest expense to average assets | 3.1872% | 1,841 |
| Loan and lease loss provision to assets | 0.1703% | 1,302 |
| Net operating income to assets | 0.4099% | 5,007 |
| Return on assets (ROA) | 0.4102% | 5,090 |
| Pretax return on assets | 0.6861% | 4,663 |
| Return on Equity (ROE) | 3.3202% | 5,156 |
| Retained earnings to average equity (ytd only) | 3.3202% | 3,789 |
| Net charge-offs to loans | 0.1152% | 1,679 |
| Credit loss provision to net charge-offs | 260.7330% | 1,070 |
| Earnings coverage of net charge-offs (x) | 13.0995% | 2,143 |
| Efficiency ratio | 75.1008% | 2,209 |
| Assets per employee ($millions) | 3.9720% | 3,966 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4622% | 5,837 |
| Loan loss allowance to noncurrent loans | 17.2350% | 5,441 |
| Noncurrent assets plus other real estate owned to assets | 2.2368% | 674 |
| Noncurrent loans to loans | 2.6820% | 611 |
| Net loans and leases to total assets | 56.2718% | 4,278 |
| Net loans and leases to deposits | 68.2803% | 4,156 |
| Net loans and leases to core deposits | 72.9436% | 4,085 |
| Total domestic deposits to total assets | 82.4130% | 3,872 |
| Equity capital to assets | 12.3665% | 1,859 |
| Core capital (leverage) ratio | 11.2591% | 2,184 |
| Tier 1 risk-based capital ratio | 17.3355% | 2,121 |
| Total risk-based capital ratio | 17.7565% | 2,373 |
| Memoranda: | ||
| Average total assets | $1,754,091,670 | 444 |
| Average earning assets | $1,572,023,000 | 446 |
| Average equity | $216,731,330 | 408 |
| Average total loans | $994,813,000 | 513 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1768% | 2,559 |
| Cost of funding earning assets | 0.3340% | 3,783 |
| Net interest margin | 3.8427% | 2,135 |
| Noninterest income to average assets | 0.5860% | 2,614 |
| Noninterest expense to average assets | 3.2465% | 1,727 |
| Loan and lease loss provision to assets | 0.2674% | 630 |
| Net operating income to assets | 0.3315% | 5,208 |
| Return on assets (ROA) | 0.3315% | 5,293 |
| Pretax return on assets | 0.5180% | 5,036 |
| Return on Equity (ROE) | 2.6838% | 5,338 |
| Retained earnings to average equity (ytd only) | 2.6838% | 4,170 |
| Net charge-offs to loans | 0.0764% | 1,723 |
| Credit loss provision to net charge-offs | 615.8730% | 519 |
| Earnings coverage of net charge-offs (x) | 18.0899% | 1,551 |
| Efficiency ratio | 76.2377% | 2,147 |
| Assets per employee ($millions) | 3.7303% | 4,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4755% | 5,886 |
| Loan loss allowance to noncurrent loans | 18.3822% | 5,458 |
| Noncurrent assets plus other real estate owned to assets | 2.1301% | 787 |
| Noncurrent loans to loans | 2.5865% | 706 |
| Net loans and leases to total assets | 56.1624% | 4,239 |
| Net loans and leases to deposits | 68.1812% | 4,041 |
| Net loans and leases to core deposits | 72.7922% | 3,998 |
| Total domestic deposits to total assets | 82.3723% | 4,097 |
| Equity capital to assets | 12.3636% | 1,773 |
| Core capital (leverage) ratio | 11.3362% | 2,106 |
| Tier 1 risk-based capital ratio | 17.5594% | 2,103 |
| Total risk-based capital ratio | 17.9935% | 2,328 |
| Memoranda: | ||
| Average total assets | $1,741,418,000 | 446 |
| Average earning assets | $1,561,592,000 | 447 |
| Average equity | $215,070,000 | 407 |
| Average total loans | $989,233,000 | 515 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0534% | 3,100 |
| Cost of funding earning assets | 0.2845% | 4,420 |
| Net interest margin | 3.7689% | 2,486 |
| Noninterest income to average assets | 0.7100% | 2,156 |
| Noninterest expense to average assets | 3.4055% | 1,474 |
| Loan and lease loss provision to assets | 0.1066% | 2,209 |
| Net operating income to assets | 0.3657% | 5,157 |
| Return on assets (ROA) | 0.3658% | 5,244 |
| Pretax return on assets | 0.5776% | 4,913 |
| Return on Equity (ROE) | 2.9281% | 5,326 |
| Retained earnings to average equity (ytd only) | 2.9281% | 3,972 |
| Net charge-offs to loans | 0.2093% | 1,405 |
| Credit loss provision to net charge-offs | 95.1158% | 2,654 |
| Earnings coverage of net charge-offs (x) | 6.1021% | 3,276 |
| Efficiency ratio | 80.1116% | 1,660 |
| Assets per employee ($millions) | 3.5662% | 4,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3770% | 6,012 |
| Loan loss allowance to noncurrent loans | 16.0871% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 2.0974% | 820 |
| Noncurrent loans to loans | 2.3435% | 813 |
| Net loans and leases to total assets | 56.9712% | 4,202 |
| Net loans and leases to deposits | 69.1405% | 4,012 |
| Net loans and leases to core deposits | 73.8113% | 3,957 |
| Total domestic deposits to total assets | 82.3992% | 4,051 |
| Equity capital to assets | 12.3368% | 1,714 |
| Core capital (leverage) ratio | 12.7122% | 1,260 |
| Tier 1 risk-based capital ratio | 17.6336% | 2,081 |
| Total risk-based capital ratio | 17.9785% | 2,333 |
| Memoranda: | ||
| Average total assets | $1,424,589,400 | 503 |
| Average earning assets | $1,277,424,800 | 512 |
| Average equity | $177,963,000 | 452 |
| Average total loans | $763,038,600 | 613 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0914% | 2,980 |
| Cost of funding earning assets | 0.2948% | 4,398 |
| Net interest margin | 3.7966% | 2,401 |
| Noninterest income to average assets | 0.7475% | 2,036 |
| Noninterest expense to average assets | 3.4936% | 1,297 |
| Loan and lease loss provision to assets | 0.1899% | 1,074 |
| Net operating income to assets | 0.2970% | 5,457 |
| Return on assets (ROA) | 0.2971% | 5,540 |
| Pretax return on assets | 0.4687% | 5,297 |
| Return on Equity (ROE) | 2.3692% | 5,586 |
| Retained earnings to average equity (ytd only) | 2.3692% | 4,696 |
| Net charge-offs to loans | 0.3119% | 856 |
| Credit loss provision to net charge-offs | 116.1525% | 2,042 |
| Earnings coverage of net charge-offs (x) | 4.0278% | 3,411 |
| Efficiency ratio | 81.0708% | 1,512 |
| Assets per employee ($millions) | 3.6818% | 4,476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4915% | 6,027 |
| Loan loss allowance to noncurrent loans | 20.2123% | 5,572 |
| Noncurrent assets plus other real estate owned to assets | 2.0843% | 954 |
| Noncurrent loans to loans | 2.4317% | 845 |
| Net loans and leases to total assets | 56.2886% | 4,323 |
| Net loans and leases to deposits | 70.7019% | 3,908 |
| Net loans and leases to core deposits | 74.3239% | 3,980 |
| Total domestic deposits to total assets | 79.6139% | 4,827 |
| Equity capital to assets | 12.9064% | 1,499 |
| Core capital (leverage) ratio | 11.7814% | 1,832 |
| Tier 1 risk-based capital ratio | 18.9844% | 1,779 |
| Total risk-based capital ratio | 19.4474% | 1,946 |
| Memoranda: | ||
| Average total assets | $1,348,334,500 | 533 |
| Average earning assets | $1,209,072,750 | 540 |
| Average equity | $169,109,250 | 476 |
| Average total loans | $706,521,250 | 657 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9837% | 3,361 |
| Cost of funding earning assets | 0.2943% | 4,452 |
| Net interest margin | 3.6894% | 2,757 |
| Noninterest income to average assets | 0.7770% | 1,886 |
| Noninterest expense to average assets | 3.5895% | 1,151 |
| Loan and lease loss provision to assets | 0.1451% | 1,483 |
| Net operating income to assets | 0.2217% | 5,643 |
| Return on assets (ROA) | 0.2219% | 5,714 |
| Pretax return on assets | 0.3521% | 5,567 |
| Return on Equity (ROE) | 1.7890% | 5,734 |
| Retained earnings to average equity (ytd only) | 1.7890% | 4,805 |
| Net charge-offs to loans | 0.2349% | 1,104 |
| Credit loss provision to net charge-offs | 121.4834% | 1,787 |
| Earnings coverage of net charge-offs (x) | 4.1598% | 3,083 |
| Efficiency ratio | 84.9544% | 1,156 |
| Assets per employee ($millions) | 3.7576% | 4,314 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4914% | 6,095 |
| Loan loss allowance to noncurrent loans | 17.8925% | 5,700 |
| Noncurrent assets plus other real estate owned to assets | 2.3883% | 820 |
| Noncurrent loans to loans | 2.7462% | 775 |
| Net loans and leases to total assets | 54.2366% | 4,530 |
| Net loans and leases to deposits | 66.8947% | 4,237 |
| Net loans and leases to core deposits | 70.3744% | 4,289 |
| Total domestic deposits to total assets | 81.0776% | 4,590 |
| Equity capital to assets | 12.5772% | 1,613 |
| Core capital (leverage) ratio | 12.3885% | 1,439 |
| Tier 1 risk-based capital ratio | 18.1998% | 2,008 |
| Total risk-based capital ratio | 18.6399% | 2,214 |
| Memoranda: | ||
| Average total assets | $1,309,330,330 | 543 |
| Average earning assets | $1,174,442,330 | 550 |
| Average equity | $162,438,000 | 490 |
| Average total loans | $665,729,330 | 705 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9459% | 3,436 |
| Cost of funding earning assets | 0.2815% | 4,651 |
| Net interest margin | 3.6644% | 2,759 |
| Noninterest income to average assets | 0.6482% | 2,410 |
| Noninterest expense to average assets | 3.5598% | 1,191 |
| Loan and lease loss provision to assets | 0.1859% | 1,018 |
| Net operating income to assets | 0.1158% | 5,845 |
| Return on assets (ROA) | 0.1162% | 5,905 |
| Pretax return on assets | 0.2059% | 5,817 |
| Return on Equity (ROE) | 0.9447% | 5,918 |
| Retained earnings to average equity (ytd only) | 0.9447% | 5,087 |
| Net charge-offs to loans | 0.0619% | 2,127 |
| Credit loss provision to net charge-offs | 617.3913% | 461 |
| Earnings coverage of net charge-offs (x) | 12.9891% | 1,756 |
| Efficiency ratio | 86.6518% | 1,121 |
| Assets per employee ($millions) | 3.6030% | 4,716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7143% | 5,877 |
| Loan loss allowance to noncurrent loans | 23.1965% | 5,676 |
| Noncurrent assets plus other real estate owned to assets | 2.5161% | 856 |
| Noncurrent loans to loans | 3.0792% | 682 |
| Net loans and leases to total assets | 47.7573% | 5,060 |
| Net loans and leases to deposits | 59.1982% | 4,808 |
| Net loans and leases to core deposits | 62.1948% | 4,827 |
| Total domestic deposits to total assets | 80.6737% | 4,895 |
| Equity capital to assets | 12.1361% | 1,932 |
| Core capital (leverage) ratio | 11.7981% | 1,781 |
| Tier 1 risk-based capital ratio | 20.6818% | 1,483 |
| Total risk-based capital ratio | 21.3045% | 1,570 |
| Memoranda: | ||
| Average total assets | $1,221,870,500 | 575 |
| Average earning assets | $1,101,304,000 | 580 |
| Average equity | $150,318,500 | 509 |
| Average total loans | $594,103,000 | 788 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1381% | 3,173 |
| Cost of funding earning assets | 0.3366% | 4,407 |
| Net interest margin | 3.8015% | 2,619 |
| Noninterest income to average assets | 1.5599% | 513 |
| Noninterest expense to average assets | 3.7613% | 1,050 |
| Loan and lease loss provision to assets | 0.1358% | 1,930 |
| Net operating income to assets | 0.9714% | 2,519 |
| Return on assets (ROA) | 0.9756% | 2,578 |
| Pretax return on assets | 1.1026% | 3,070 |
| Return on Equity (ROE) | 7.9433% | 3,170 |
| Retained earnings to average equity (ytd only) | 7.9433% | 1,042 |
| Net charge-offs to loans | 0.1428% | 2,604 |
| Credit loss provision to net charge-offs | 180.3571% | 1,346 |
| Earnings coverage of net charge-offs (x) | 16.3815% | 2,013 |
| Efficiency ratio | 73.3908% | 2,948 |
| Assets per employee ($millions) | 3.5106% | 4,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6468% | 6,079 |
| Loan loss allowance to noncurrent loans | 23.4104% | 5,784 |
| Noncurrent assets plus other real estate owned to assets | 2.5796% | 877 |
| Noncurrent loans to loans | 2.7630% | 869 |
| Net loans and leases to total assets | 48.8475% | 5,086 |
| Net loans and leases to deposits | 58.5560% | 5,021 |
| Net loans and leases to core deposits | 61.5666% | 5,034 |
| Total domestic deposits to total assets | 83.4201% | 3,940 |
| Equity capital to assets | 12.4754% | 1,667 |
| Core capital (leverage) ratio | 12.1598% | 1,526 |
| Tier 1 risk-based capital ratio | 20.4504% | 1,517 |
| Total risk-based capital ratio | 21.0339% | 1,617 |
| Memoranda: | ||
| Average total assets | $817,998,000 | 827 |
| Average earning assets | $739,129,600 | 830 |
| Average equity | $100,462,200 | 732 |
| Average total loans | $431,427,800 | 1,020 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2339% | 2,869 |
| Cost of funding earning assets | 0.3517% | 4,326 |
| Net interest margin | 3.8822% | 2,316 |
| Noninterest income to average assets | 0.7693% | 2,018 |
| Noninterest expense to average assets | 3.5524% | 1,370 |
| Loan and lease loss provision to assets | 0.1193% | 2,080 |
| Net operating income to assets | 0.3695% | 5,370 |
| Return on assets (ROA) | 0.3741% | 5,425 |
| Pretax return on assets | 0.6095% | 5,001 |
| Return on Equity (ROE) | 3.0658% | 5,515 |
| Retained earnings to average equity (ytd only) | 3.0658% | 4,435 |
| Net charge-offs to loans | 0.1595% | 2,208 |
| Credit loss provision to net charge-offs | 137.9531% | 1,699 |
| Earnings coverage of net charge-offs (x) | 8.3454% | 2,812 |
| Efficiency ratio | 80.9731% | 1,769 |
| Assets per employee ($millions) | 3.3557% | 5,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7363% | 6,024 |
| Loan loss allowance to noncurrent loans | 36.8454% | 5,538 |
| Noncurrent assets plus other real estate owned to assets | 1.8953% | 1,550 |
| Noncurrent loans to loans | 1.9982% | 1,587 |
| Net loans and leases to total assets | 50.8036% | 4,912 |
| Net loans and leases to deposits | 61.8057% | 4,756 |
| Net loans and leases to core deposits | 65.6446% | 4,741 |
| Total domestic deposits to total assets | 82.1990% | 4,411 |
| Equity capital to assets | 12.5548% | 1,662 |
| Core capital (leverage) ratio | 14.4909% | 728 |
| Tier 1 risk-based capital ratio | 20.8706% | 1,476 |
| Total risk-based capital ratio | 21.5481% | 1,560 |
| Memoranda: | ||
| Average total assets | $723,218,500 | 939 |
| Average earning assets | $652,877,750 | 953 |
| Average equity | $88,241,500 | 836 |
| Average total loans | $392,142,750 | 1,125 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6178% | 1,486 |
| Cost of funding earning assets | 0.3790% | 4,111 |
| Net interest margin | 4.2388% | 1,155 |
| Noninterest income to average assets | 0.6071% | 2,782 |
| Noninterest expense to average assets | 3.6835% | 1,168 |
| Loan and lease loss provision to assets | 0.1458% | 1,694 |
| Net operating income to assets | 0.3525% | 5,400 |
| Return on assets (ROA) | 0.3588% | 5,445 |
| Pretax return on assets | 0.5851% | 5,000 |
| Return on Equity (ROE) | 2.9812% | 5,536 |
| Retained earnings to average equity (ytd only) | 2.9812% | 4,304 |
| Net charge-offs to loans | 0.1469% | 2,210 |
| Credit loss provision to net charge-offs | 178.3582% | 1,281 |
| Earnings coverage of net charge-offs (x) | 8.8209% | 2,438 |
| Efficiency ratio | 81.3271% | 1,834 |
| Assets per employee ($millions) | 3.4553% | 4,931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9542% | 5,545 |
| Loan loss allowance to noncurrent loans | 39.6800% | 5,509 |
| Noncurrent assets plus other real estate owned to assets | 2.6984% | 985 |
| Noncurrent loans to loans | 2.4048% | 1,313 |
| Net loans and leases to total assets | 52.6371% | 4,683 |
| Net loans and leases to deposits | 64.8213% | 4,399 |
| Net loans and leases to core deposits | 69.2007% | 4,347 |
| Total domestic deposits to total assets | 81.2035% | 4,916 |
| Equity capital to assets | 11.5854% | 2,341 |
| Core capital (leverage) ratio | 11.5561% | 1,960 |
| Tier 1 risk-based capital ratio | 19.8741% | 1,715 |
| Total risk-based capital ratio | 20.7878% | 1,765 |
| Memoranda: | ||
| Average total assets | $655,567,330 | 1,032 |
| Average earning assets | $587,338,330 | 1,050 |
| Average equity | $78,895,670 | 926 |
| Average total loans | $364,850,670 | 1,209 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7945% | 1,059 |
| Cost of funding earning assets | 0.3918% | 4,067 |
| Net interest margin | 4.4027% | 804 |
| Noninterest income to average assets | 0.4842% | 3,535 |
| Noninterest expense to average assets | 3.6643% | 1,188 |
| Loan and lease loss provision to assets | 0.1182% | 2,004 |
| Net operating income to assets | 0.3880% | 5,158 |
| Return on assets (ROA) | 0.3880% | 5,227 |
| Pretax return on assets | 0.6307% | 4,722 |
| Return on Equity (ROE) | 3.1596% | 5,408 |
| Retained earnings to average equity (ytd only) | 3.1596% | 4,232 |
| Net charge-offs to loans | 0.1235% | 1,982 |
| Credit loss provision to net charge-offs | 167.8571% | 1,164 |
| Earnings coverage of net charge-offs (x) | 10.6339% | 1,845 |
| Efficiency ratio | 80.6640% | 2,098 |
| Assets per employee ($millions) | 3.3238% | 5,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9257% | 5,781 |
| Loan loss allowance to noncurrent loans | 33.9888% | 5,743 |
| Noncurrent assets plus other real estate owned to assets | 3.1394% | 877 |
| Noncurrent loans to loans | 2.7236% | 1,237 |
| Net loans and leases to total assets | 56.2332% | 4,121 |
| Net loans and leases to deposits | 68.9977% | 3,739 |
| Net loans and leases to core deposits | 74.1581% | 3,627 |
| Total domestic deposits to total assets | 81.5001% | 5,092 |
| Equity capital to assets | 12.2401% | 1,723 |
| Core capital (leverage) ratio | 11.9699% | 1,669 |
| Tier 1 risk-based capital ratio | 20.3153% | 1,642 |
| Total risk-based capital ratio | 21.2212% | 1,696 |
| Memoranda: | ||
| Average total assets | $636,089,500 | 1,071 |
| Average earning assets | $567,650,000 | 1,089 |
| Average equity | $78,112,000 | 937 |
| Average total loans | $362,726,500 | 1,223 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1105% | 752 |
| Cost of funding earning assets | 0.4213% | 4,421 |
| Net interest margin | 4.6892% | 518 |
| Noninterest income to average assets | 1.3568% | 758 |
| Noninterest expense to average assets | 4.6066% | 478 |
| Loan and lease loss provision to assets | 0.1716% | 2,140 |
| Net operating income to assets | 0.6199% | 4,164 |
| Return on assets (ROA) | 0.6152% | 4,309 |
| Pretax return on assets | 0.6721% | 4,628 |
| Return on Equity (ROE) | 4.4860% | 4,901 |
| Retained earnings to average equity (ytd only) | 4.4860% | 2,985 |
| Net charge-offs to loans | 0.4297% | 1,552 |
| Credit loss provision to net charge-offs | 72.8343% | 3,228 |
| Earnings coverage of net charge-offs (x) | 3.6022% | 3,810 |
| Efficiency ratio | 82.6782% | 1,788 |
| Assets per employee ($millions) | 3.2506% | 5,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9214% | 5,852 |
| Loan loss allowance to noncurrent loans | 36.9354% | 5,725 |
| Noncurrent assets plus other real estate owned to assets | 3.5534% | 813 |
| Noncurrent loans to loans | 2.4945% | 1,517 |
| Net loans and leases to total assets | 56.7698% | 4,221 |
| Net loans and leases to deposits | 69.7823% | 3,811 |
| Net loans and leases to core deposits | 74.4170% | 3,793 |
| Total domestic deposits to total assets | 81.3527% | 5,085 |
| Equity capital to assets | 12.3211% | 1,612 |
| Core capital (leverage) ratio | 11.9883% | 1,617 |
| Tier 1 risk-based capital ratio | 20.0429% | 1,644 |
| Total risk-based capital ratio | 20.9263% | 1,702 |
| Memoranda: | ||
| Average total assets | $504,555,200 | 1,322 |
| Average earning assets | $441,010,000 | 1,373 |
| Average equity | $69,193,200 | 1,034 |
| Average total loans | $276,701,000 | 1,525 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0460% | 855 |
| Cost of funding earning assets | 0.4246% | 4,557 |
| Net interest margin | 4.6214% | 592 |
| Noninterest income to average assets | 1.4575% | 692 |
| Noninterest expense to average assets | 4.4474% | 549 |
| Loan and lease loss provision to assets | 0.2324% | 1,553 |
| Net operating income to assets | 0.7762% | 3,480 |
| Return on assets (ROA) | 0.7690% | 3,638 |
| Pretax return on assets | 0.7881% | 4,344 |
| Return on Equity (ROE) | 5.4252% | 4,509 |
| Retained earnings to average equity (ytd only) | 5.4252% | 2,780 |
| Net charge-offs to loans | 0.5703% | 1,108 |
| Credit loss provision to net charge-offs | 75.4338% | 2,957 |
| Earnings coverage of net charge-offs (x) | 3.3361% | 3,733 |
| Efficiency ratio | 79.7317% | 2,142 |
| Assets per employee ($millions) | 3.1837% | 5,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9437% | 5,938 |
| Loan loss allowance to noncurrent loans | 29.8722% | 5,998 |
| Noncurrent assets plus other real estate owned to assets | 3.6270% | 913 |
| Noncurrent loans to loans | 3.1590% | 1,246 |
| Net loans and leases to total assets | 56.9137% | 4,185 |
| Net loans and leases to deposits | 70.4219% | 3,726 |
| Net loans and leases to core deposits | 74.1694% | 3,821 |
| Total domestic deposits to total assets | 80.8182% | 5,263 |
| Equity capital to assets | 12.5770% | 1,539 |
| Core capital (leverage) ratio | 15.0330% | 637 |
| Tier 1 risk-based capital ratio | 21.5938% | 1,384 |
| Total risk-based capital ratio | 22.5691% | 1,399 |
| Memoranda: | ||
| Average total assets | $473,851,250 | 1,408 |
| Average earning assets | $411,957,750 | 1,482 |
| Average equity | $67,166,750 | 1,072 |
| Average total loans | $256,009,000 | 1,623 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4010% | 447 |
| Cost of funding earning assets | 0.4270% | 4,687 |
| Net interest margin | 4.9741% | 325 |
| Noninterest income to average assets | 0.5762% | 3,345 |
| Noninterest expense to average assets | 4.5544% | 500 |
| Loan and lease loss provision to assets | 0.3804% | 844 |
| Net operating income to assets | -0.0664% | 6,374 |
| Return on assets (ROA) | -0.0758% | 6,430 |
| Pretax return on assets | -0.0989% | 6,430 |
| Return on Equity (ROE) | -0.5069% | 6,412 |
| Retained earnings to average equity (ytd only) | -0.5069% | 5,960 |
| Net charge-offs to loans | 0.3929% | 1,646 |
| Credit loss provision to net charge-offs | 184.8970% | 1,290 |
| Earnings coverage of net charge-offs (x) | 1.4279% | 4,061 |
| Efficiency ratio | 92.0089% | 891 |
| Assets per employee ($millions) | 2.8979% | 6,026 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7125% | 2,731 |
| Loan loss allowance to noncurrent loans | 34.8469% | 5,847 |
| Noncurrent assets plus other real estate owned to assets | 4.6181% | 697 |
| Noncurrent loans to loans | 4.9143% | 672 |
| Net loans and leases to total assets | 53.6085% | 4,644 |
| Net loans and leases to deposits | 68.5745% | 3,924 |
| Net loans and leases to core deposits | 71.6609% | 4,084 |
| Total domestic deposits to total assets | 78.1755% | 5,950 |
| Equity capital to assets | 14.4868% | 827 |
| Core capital (leverage) ratio | 14.3692% | 732 |
| Tier 1 risk-based capital ratio | 26.1297% | 760 |
| Total risk-based capital ratio | 27.3853% | 744 |
| Memoranda: | ||
| Average total assets | $424,860,330 | 1,569 |
| Average earning assets | $364,893,670 | 1,660 |
| Average equity | $63,528,670 | 1,152 |
| Average total loans | $222,445,330 | 1,837 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5673% | 333 |
| Cost of funding earning assets | 0.4122% | 4,988 |
| Net interest margin | 5.1551% | 211 |
| Noninterest income to average assets | 0.3689% | 4,719 |
| Noninterest expense to average assets | 4.2654% | 653 |
| Loan and lease loss provision to assets | 0.4484% | 636 |
| Net operating income to assets | 0.0132% | 6,322 |
| Return on assets (ROA) | 0.0132% | 6,399 |
| Pretax return on assets | 0.0445% | 6,349 |
| Return on Equity (ROE) | 0.0872% | 6,407 |
| Retained earnings to average equity (ytd only) | 0.0872% | 5,748 |
| Net charge-offs to loans | 0.1292% | 2,635 |
| Credit loss provision to net charge-offs | 677.1429% | 413 |
| Earnings coverage of net charge-offs (x) | 7.4429% | 2,069 |
| Efficiency ratio | 87.5944% | 1,367 |
| Assets per employee ($millions) | 2.9423% | 6,085 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8577% | 2,429 |
| Loan loss allowance to noncurrent loans | 25.6119% | 6,177 |
| Noncurrent assets plus other real estate owned to assets | 5.8015% | 567 |
| Noncurrent loans to loans | 7.2531% | 393 |
| Net loans and leases to total assets | 50.0164% | 4,986 |
| Net loans and leases to deposits | 64.4396% | 4,261 |
| Net loans and leases to core deposits | 68.0596% | 4,298 |
| Total domestic deposits to total assets | 77.6175% | 6,169 |
| Equity capital to assets | 15.0353% | 748 |
| Core capital (leverage) ratio | 14.5035% | 673 |
| Tier 1 risk-based capital ratio | 28.0506% | 640 |
| Total risk-based capital ratio | 29.3082% | 627 |
| Memoranda: | ||
| Average total assets | $422,843,000 | 1,590 |
| Average earning assets | $360,032,500 | 1,697 |
| Average equity | $64,226,500 | 1,151 |
| Average total loans | $216,703,000 | 1,897 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3027% | 926 |
| Cost of funding earning assets | 0.4173% | 5,807 |
| Net interest margin | 4.8854% | 462 |
| Noninterest income to average assets | 1.7140% | 554 |
| Noninterest expense to average assets | 4.3187% | 668 |
| Loan and lease loss provision to assets | 1.2176% | 294 |
| Net operating income to assets | 0.1896% | 5,806 |
| Return on assets (ROA) | 0.3222% | 5,602 |
| Pretax return on assets | 0.5320% | 5,189 |
| Return on Equity (ROE) | 1.8429% | 5,948 |
| Retained earnings to average equity (ytd only) | 1.8429% | 4,924 |
| Net charge-offs to loans | 0.3683% | 2,786 |
| Credit loss provision to net charge-offs | 665.3571% | 373 |
| Earnings coverage of net charge-offs (x) | 8.4286% | 2,415 |
| Efficiency ratio | 71.8611% | 3,440 |
| Assets per employee ($millions) | 2.9720% | 6,058 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6830% | 2,994 |
| Loan loss allowance to noncurrent loans | 23.9760% | 6,288 |
| Noncurrent assets plus other real estate owned to assets | 5.8775% | 597 |
| Noncurrent loans to loans | 7.0195% | 452 |
| Net loans and leases to total assets | 50.6727% | 5,079 |
| Net loans and leases to deposits | 66.4849% | 4,206 |
| Net loans and leases to core deposits | 70.0453% | 4,304 |
| Total domestic deposits to total assets | 76.2169% | 6,330 |
| Equity capital to assets | 15.3458% | 669 |
| Core capital (leverage) ratio | 14.5602% | 660 |
| Tier 1 risk-based capital ratio | 28.1005% | 622 |
| Total risk-based capital ratio | 29.3559% | 605 |
| Memoranda: | ||
| Average total assets | $306,014,600 | 2,102 |
| Average earning assets | $259,775,400 | 2,246 |
| Average equity | $53,502,000 | 1,331 |
| Average total loans | $152,034,000 | 2,543 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1455% | 5,014 |
| Cost of funding earning assets | 0.4933% | 5,480 |
| Net interest margin | 3.6523% | 3,999 |
| Noninterest income to average assets | 1.8337% | 478 |
| Noninterest expense to average assets | 3.8412% | 1,140 |
| Loan and lease loss provision to assets | 0.2511% | 2,555 |
| Net operating income to assets | 0.5120% | 4,798 |
| Return on assets (ROA) | 0.5928% | 4,687 |
| Pretax return on assets | 0.9634% | 3,859 |
| Return on Equity (ROE) | 3.2414% | 5,596 |
| Retained earnings to average equity (ytd only) | 3.2414% | 4,589 |
| Net charge-offs to loans | 0.0059% | 5,666 |
| Credit loss provision to net charge-offs | 8,716.6667% | 27 |
| Earnings coverage of net charge-offs (x) | 377.8238% | 120 |
| Efficiency ratio | 76.2002% | 2,646 |
| Assets per employee ($millions) | 3.3823% | 5,253 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5041% | 6,950 |
| Loan loss allowance to noncurrent loans | 4.3270% | 6,673 |
| Noncurrent assets plus other real estate owned to assets | 7.5163% | 446 |
| Noncurrent loans to loans | 11.6494% | 181 |
| Net loans and leases to total assets | 46.0329% | 5,761 |
| Net loans and leases to deposits | 59.8932% | 5,224 |
| Net loans and leases to core deposits | 63.0477% | 5,257 |
| Total domestic deposits to total assets | 76.8582% | 6,259 |
| Equity capital to assets | 15.3686% | 734 |
| Core capital (leverage) ratio | 15.1819% | 582 |
| Tier 1 risk-based capital ratio | 31.4061% | 465 |
| Total risk-based capital ratio | 31.9132% | 488 |
| Memoranda: | ||
| Average total assets | $277,753,750 | 2,314 |
| Average earning assets | $235,428,250 | 2,474 |
| Average equity | $50,800,500 | 1,401 |
| Average total loans | $136,046,750 | 2,807 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1647% | 5,068 |
| Cost of funding earning assets | 0.3787% | 6,385 |
| Net interest margin | 3.7860% | 3,429 |
| Noninterest income to average assets | 2.3800% | 316 |
| Noninterest expense to average assets | 4.1271% | 807 |
| Loan and lease loss provision to assets | 0.3304% | 1,986 |
| Net operating income to assets | 0.7118% | 3,805 |
| Return on assets (ROA) | 0.8552% | 3,380 |
| Pretax return on assets | 1.3888% | 2,242 |
| Return on Equity (ROE) | 4.2582% | 5,148 |
| Retained earnings to average equity (ytd only) | 4.2582% | 3,774 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5460% | 3,511 |
| Assets per employee ($millions) | 3.2082% | 5,634 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4897% | 7,031 |
| Loan loss allowance to noncurrent loans | 5.6211% | 6,716 |
| Noncurrent assets plus other real estate owned to assets | 6.3409% | 655 |
| Noncurrent loans to loans | 8.7123% | 369 |
| Net loans and leases to total assets | 48.8266% | 5,514 |
| Net loans and leases to deposits | 63.0150% | 4,878 |
| Net loans and leases to core deposits | 66.2458% | 4,970 |
| Total domestic deposits to total assets | 77.4841% | 6,249 |
| Equity capital to assets | 13.2003% | 1,432 |
| Core capital (leverage) ratio | 20.0827% | 202 |
| Tier 1 risk-based capital ratio | 18.3849% | 2,166 |
| Total risk-based capital ratio | 18.7477% | 2,439 |
| Memoranda: | ||
| Average total assets | $229,410,000 | 2,764 |
| Average earning assets | $196,459,330 | 2,916 |
| Average equity | $46,075,330 | 1,515 |
| Average total loans | $116,193,670 | 3,214 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8598% | 2,399 |
| Cost of funding earning assets | 0.3485% | 6,643 |
| Net interest margin | 4.5113% | 989 |
| Noninterest income to average assets | 0.6346% | 3,027 |
| Noninterest expense to average assets | 4.2227% | 718 |
| Loan and lease loss provision to assets | 0.6322% | 879 |
| Net operating income to assets | -0.1557% | 6,586 |
| Return on assets (ROA) | 0.0763% | 6,400 |
| Pretax return on assets | 0.1575% | 6,276 |
| Return on Equity (ROE) | 0.2793% | 6,480 |
| Retained earnings to average equity (ytd only) | 0.2793% | 5,895 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.6347% | 1,317 |
| Assets per employee ($millions) | 2.5313% | 6,824 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7894% | 6,759 |
| Loan loss allowance to noncurrent loans | 25.3628% | 6,365 |
| Noncurrent assets plus other real estate owned to assets | 1.5879% | 3,474 |
| Noncurrent loans to loans | 3.1124% | 2,058 |
| Net loans and leases to total assets | 50.6142% | 5,216 |
| Net loans and leases to deposits | 79.3982% | 2,285 |
| Net loans and leases to core deposits | 87.3825% | 2,128 |
| Total domestic deposits to total assets | 63.7473% | 7,147 |
| Equity capital to assets | 25.1277% | 97 |
| Core capital (leverage) ratio | 23.7006% | 111 |
| Tier 1 risk-based capital ratio | 39.2071% | 241 |
| Total risk-based capital ratio | 39.8860% | 249 |
| Memoranda: | ||
| Average total assets | $167,664,000 | 3,560 |
| Average earning assets | $149,224,500 | 3,634 |
| Average equity | $45,821,000 | 1,517 |
| Average total loans | $87,711,500 | 3,892 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1510% | 2,247 |
| Cost of funding earning assets | 0.3203% | 7,073 |
| Net interest margin | 4.8306% | 588 |
| Noninterest income to average assets | 0.6610% | 2,830 |
| Noninterest expense to average assets | 4.0161% | 1,017 |
| Loan and lease loss provision to assets | 0.3441% | 2,942 |
| Net operating income to assets | 0.3735% | 4,975 |
| Return on assets (ROA) | 0.5092% | 4,589 |
| Pretax return on assets | 0.8166% | 3,924 |
| Return on Equity (ROE) | 1.7941% | 5,735 |
| Retained earnings to average equity (ytd only) | 1.7941% | 4,931 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0947% | 2,729 |
| Assets per employee ($millions) | 2.4297% | 6,895 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5689% | 7,038 |
| Loan loss allowance to noncurrent loans | 17.8939% | 6,674 |
| Noncurrent assets plus other real estate owned to assets | 1.7658% | 3,305 |
| Noncurrent loans to loans | 3.1792% | 2,036 |
| Net loans and leases to total assets | 53.5516% | 5,104 |
| Net loans and leases to deposits | 84.7641% | 1,835 |
| Net loans and leases to core deposits | 94.2955% | 1,662 |
| Total domestic deposits to total assets | 63.1772% | 7,186 |
| Equity capital to assets | 29.9502% | 68 |
| Core capital (leverage) ratio | 29.5419% | 67 |
| Tier 1 risk-based capital ratio | 42.6221% | 188 |
| Total risk-based capital ratio | 43.0950% | 199 |
| Memoranda: | ||
| Average total assets | $136,301,800 | 4,047 |
| Average earning assets | $121,433,200 | 4,104 |
| Average equity | $38,681,400 | 1,745 |
| Average total loans | $76,763,000 | 4,243 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0607% | 2,799 |
| Cost of funding earning assets | 0.3159% | 7,190 |
| Net interest margin | 4.7448% | 694 |
| Noninterest income to average assets | 0.5490% | 3,517 |
| Noninterest expense to average assets | 3.8634% | 1,208 |
| Loan and lease loss provision to assets | 0.2715% | 3,333 |
| Net operating income to assets | 0.4520% | 4,765 |
| Return on assets (ROA) | 0.5843% | 4,342 |
| Pretax return on assets | 0.8508% | 3,950 |
| Return on Equity (ROE) | 2.0926% | 5,745 |
| Retained earnings to average equity (ytd only) | 2.0926% | 5,094 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5474% | 2,758 |
| Assets per employee ($millions) | 2.5119% | 6,872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3493% | 7,264 |
| Loan loss allowance to noncurrent loans | 12.5233% | 6,863 |
| Noncurrent assets plus other real estate owned to assets | 1.5270% | 3,813 |
| Noncurrent loans to loans | 2.7895% | 2,499 |
| Net loans and leases to total assets | 54.5504% | 5,081 |
| Net loans and leases to deposits | 81.8812% | 2,381 |
| Net loans and leases to core deposits | 91.3914% | 2,067 |
| Total domestic deposits to total assets | 66.6214% | 7,182 |
| Equity capital to assets | 32.9649% | 64 |
| Core capital (leverage) ratio | 30.5022% | 73 |
| Tier 1 risk-based capital ratio | 44.9234% | 184 |
| Total risk-based capital ratio | 45.2078% | 188 |
| Memoranda: | ||
| Average total assets | $132,109,500 | 4,148 |
| Average earning assets | $118,188,500 | 4,199 |
| Average equity | $36,890,500 | 1,829 |
| Average total loans | $75,343,500 | 4,340 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6899% | 891 |
| Cost of funding earning assets | 0.4025% | 7,117 |
| Net interest margin | 5.2874% | 250 |
| Noninterest income to average assets | 0.5849% | 3,232 |
| Noninterest expense to average assets | 3.8930% | 1,206 |
| Loan and lease loss provision to assets | 0.2104% | 3,808 |
| Net operating income to assets | 0.7907% | 3,116 |
| Return on assets (ROA) | 0.7907% | 3,240 |
| Pretax return on assets | 1.1976% | 2,493 |
| Return on Equity (ROE) | 3.0299% | 5,381 |
| Retained earnings to average equity (ytd only) | 3.0299% | 4,352 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8190% | 4,149 |
| Assets per employee ($millions) | 3.1365% | 5,788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1861% | 7,395 |
| Loan loss allowance to noncurrent loans | 4.2653% | 6,989 |
| Noncurrent assets plus other real estate owned to assets | 2.2757% | 2,885 |
| Noncurrent loans to loans | 4.3641% | 1,543 |
| Net loans and leases to total assets | 52.0490% | 5,554 |
| Net loans and leases to deposits | 77.8812% | 3,139 |
| Net loans and leases to core deposits | 87.1530% | 2,745 |
| Total domestic deposits to total assets | 66.8313% | 7,237 |
| Equity capital to assets | 32.7535% | 67 |
| Core capital (leverage) ratio | 31.0561% | 75 |
| Tier 1 risk-based capital ratio | 47.2691% | 158 |
| Total risk-based capital ratio | 47.4206% | 166 |
| Memoranda: | ||
| Average total assets | $129,256,670 | 4,246 |
| Average earning assets | $115,292,670 | 4,299 |
| Average equity | $33,730,330 | 1,970 |
| Average total loans | $74,790,000 | 4,395 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5617% | 1,150 |
| Cost of funding earning assets | 0.4200% | 7,182 |
| Net interest margin | 5.1418% | 284 |
| Noninterest income to average assets | 0.6163% | 3,062 |
| Noninterest expense to average assets | 3.5779% | 1,816 |
| Loan and lease loss provision to assets | 0.2076% | 3,564 |
| Net operating income to assets | 0.8953% | 2,587 |
| Return on assets (ROA) | 0.8953% | 2,646 |
| Pretax return on assets | 1.3981% | 1,729 |
| Return on Equity (ROE) | 4.0173% | 4,897 |
| Retained earnings to average equity (ytd only) | 4.0173% | 3,762 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.8323% | 5,062 |
| Assets per employee ($millions) | 3.3687% | 5,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0862% | 7,478 |
| Loan loss allowance to noncurrent loans | 3.8835% | 7,052 |
| Noncurrent assets plus other real estate owned to assets | 1.1377% | 4,660 |
| Noncurrent loans to loans | 2.2206% | 3,292 |
| Net loans and leases to total assets | 51.1888% | 5,689 |
| Net loans and leases to deposits | 77.7702% | 3,100 |
| Net loans and leases to core deposits | 84.4831% | 3,103 |
| Total domestic deposits to total assets | 65.8205% | 7,333 |
| Equity capital to assets | 31.7564% | 70 |
| Core capital (leverage) ratio | 30.1067% | 76 |
| Tier 1 risk-based capital ratio | 47.8090% | 154 |
| Total risk-based capital ratio | 47.8808% | 159 |
| Memoranda: | ||
| Average total assets | $123,314,000 | 4,386 |
| Average earning assets | $109,534,000 | 4,488 |
| Average equity | $27,481,000 | 2,338 |
| Average total loans | $75,385,000 | 4,408 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2005% | 113 |
| Cost of funding earning assets | 0.9798% | 5,781 |
| Net interest margin | 6.2207% | 83 |
| Noninterest income to average assets | 0.3240% | 5,470 |
| Noninterest expense to average assets | 4.1050% | 1,016 |
| Loan and lease loss provision to assets | 0.6828% | 2,412 |
| Net operating income to assets | 0.6357% | 3,508 |
| Return on assets (ROA) | 0.7576% | 3,087 |
| Pretax return on assets | 1.1718% | 2,328 |
| Return on Equity (ROE) | 8.5113% | 2,492 |
| Retained earnings to average equity (ytd only) | 8.5113% | 834 |
| Net charge-offs to loans | 0.4244% | 3,923 |
| Credit loss provision to net charge-offs | 218.3607% | 1,378 |
| Earnings coverage of net charge-offs (x) | 5.3311% | 2,656 |
| Efficiency ratio | 71.1190% | 3,970 |
| Assets per employee ($millions) | 2.9933% | 6,112 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0691% | 2,134 |
| Loan loss allowance to noncurrent loans | 130.9091% | 2,245 |
| Noncurrent assets plus other real estate owned to assets | 2.0821% | 3,243 |
| Noncurrent loans to loans | 1.5805% | 4,131 |
| Net loans and leases to total assets | 73.6666% | 1,731 |
| Net loans and leases to deposits | 83.9035% | 2,463 |
| Net loans and leases to core deposits | 93.4988% | 2,322 |
| Total domestic deposits to total assets | 87.7992% | 2,366 |
| Equity capital to assets | 8.8050% | 5,424 |
| Core capital (leverage) ratio | 9.1445% | 4,274 |
| Tier 1 risk-based capital ratio | 10.8813% | 6,425 |
| Total risk-based capital ratio | 12.1401% | 6,395 |
| Memoranda: | ||
| Average total assets | $97,540,600 | 5,059 |
| Average earning assets | $85,424,200 | 5,163 |
| Average equity | $8,682,600 | 5,506 |
| Average total loans | $71,866,200 | 4,615 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.2305% | 113 |
| Cost of funding earning assets | 1.0546% | 5,680 |
| Net interest margin | 6.1759% | 83 |
| Noninterest income to average assets | 0.2709% | 5,950 |
| Noninterest expense to average assets | 4.1236% | 910 |
| Loan and lease loss provision to assets | 0.5196% | 2,854 |
| Net operating income to assets | 0.6387% | 3,709 |
| Return on assets (ROA) | 0.7891% | 3,214 |
| Pretax return on assets | 1.2603% | 2,299 |
| Return on Equity (ROE) | 8.8391% | 2,547 |
| Retained earnings to average equity (ytd only) | 8.8391% | 1,106 |
| Net charge-offs to loans | 0.4168% | 3,621 |
| Credit loss provision to net charge-offs | 170.1357% | 2,186 |
| Earnings coverage of net charge-offs (x) | 5.0588% | 2,861 |
| Efficiency ratio | 72.7450% | 3,568 |
| Assets per employee ($millions) | 3.1402% | 5,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8363% | 2,672 |
| Loan loss allowance to noncurrent loans | 108.5894% | 2,586 |
| Noncurrent assets plus other real estate owned to assets | 2.1491% | 3,269 |
| Noncurrent loans to loans | 1.6911% | 4,100 |
| Net loans and leases to total assets | 71.0848% | 2,465 |
| Net loans and leases to deposits | 80.8719% | 3,294 |
| Net loans and leases to core deposits | 89.9250% | 3,102 |
| Total domestic deposits to total assets | 87.8979% | 2,017 |
| Equity capital to assets | 8.5798% | 6,183 |
| Core capital (leverage) ratio | 8.9729% | 4,734 |
| Tier 1 risk-based capital ratio | 10.4960% | 6,781 |
| Total risk-based capital ratio | 11.7537% | 6,764 |
| Memoranda: | ||
| Average total assets | $96,482,750 | 5,148 |
| Average earning assets | $84,325,750 | 5,256 |
| Average equity | $8,613,000 | 5,596 |
| Average total loans | $70,693,750 | 4,724 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.3746% | 97 |
| Cost of funding earning assets | 1.1753% | 5,265 |
| Net interest margin | 6.1993% | 84 |
| Noninterest income to average assets | 0.0680% | 7,241 |
| Noninterest expense to average assets | 4.2847% | 737 |
| Loan and lease loss provision to assets | 0.0170% | 6,751 |
| Net operating income to assets | 0.7231% | 3,305 |
| Return on assets (ROA) | 0.9543% | 2,436 |
| Pretax return on assets | 1.5196% | 1,504 |
| Return on Equity (ROE) | 10.5395% | 1,913 |
| Retained earnings to average equity (ytd only) | 10.5395% | 739 |
| Net charge-offs to loans | 0.4304% | 3,272 |
| Credit loss provision to net charge-offs | 5.3691% | 5,981 |
| Earnings coverage of net charge-offs (x) | 3.7114% | 3,205 |
| Efficiency ratio | 78.4741% | 2,653 |
| Assets per employee ($millions) | 2.7610% | 6,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5327% | 3,753 |
| Loan loss allowance to noncurrent loans | 104.0385% | 2,662 |
| Noncurrent assets plus other real estate owned to assets | 2.1529% | 3,314 |
| Noncurrent loans to loans | 1.4732% | 4,493 |
| Net loans and leases to total assets | 74.0482% | 1,902 |
| Net loans and leases to deposits | 85.7474% | 2,548 |
| Net loans and leases to core deposits | 88.6746% | 3,460 |
| Total domestic deposits to total assets | 86.3562% | 2,899 |
| Equity capital to assets | 9.3274% | 4,969 |
| Core capital (leverage) ratio | 8.8270% | 4,869 |
| Tier 1 risk-based capital ratio | 11.1164% | 6,128 |
| Total risk-based capital ratio | 12.3684% | 6,109 |
| Memoranda: | ||
| Average total assets | $94,101,330 | 5,248 |
| Average earning assets | $81,848,000 | 5,375 |
| Average equity | $8,520,330 | 5,626 |
| Average total loans | $69,244,670 | 4,813 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.4513% | 110 |
| Cost of funding earning assets | 1.3440% | 4,536 |
| Net interest margin | 6.1073% | 97 |
| Noninterest income to average assets | -0.0255% | 7,708 |
| Noninterest expense to average assets | 4.2711% | 743 |
| Loan and lease loss provision to assets | 0.1826% | 4,694 |
| Net operating income to assets | 0.5558% | 4,106 |
| Return on assets (ROA) | 1.0826% | 1,967 |
| Pretax return on assets | 1.4902% | 1,541 |
| Return on Equity (ROE) | 12.1392% | 1,458 |
| Retained earnings to average equity (ytd only) | 12.1392% | 725 |
| Net charge-offs to loans | 0.0117% | 5,422 |
| Credit loss provision to net charge-offs | 2,150.0000% | 239 |
| Earnings coverage of net charge-offs (x) | 112.0000% | 291 |
| Efficiency ratio | 81.7886% | 2,296 |
| Assets per employee ($millions) | 2.8571% | 6,520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8394% | 2,611 |
| Loan loss allowance to noncurrent loans | 59.3985% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 3.1017% | 2,304 |
| Noncurrent loans to loans | 3.0967% | 2,587 |
| Net loans and leases to total assets | 69.4403% | 3,065 |
| Net loans and leases to deposits | 79.2302% | 3,796 |
| Net loans and leases to core deposits | 81.8013% | 4,521 |
| Total domestic deposits to total assets | 87.6437% | 2,266 |
| Equity capital to assets | 8.6709% | 5,770 |
| Core capital (leverage) ratio | 8.7550% | 4,933 |
| Tier 1 risk-based capital ratio | 10.9464% | 6,210 |
| Total risk-based capital ratio | 12.2010% | 6,179 |
| Memoranda: | ||
| Average total assets | $94,215,000 | 5,310 |
| Average earning assets | $80,952,000 | 5,473 |
| Average equity | $8,402,500 | 5,714 |
| Average total loans | $68,570,000 | 4,910 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8706% | 91 |
| Cost of funding earning assets | 1.6197% | 4,940 |
| Net interest margin | 6.2509% | 93 |
| Noninterest income to average assets | 0.1947% | 6,707 |
| Noninterest expense to average assets | 4.6326% | 695 |
| Loan and lease loss provision to assets | 0.6115% | 3,353 |
| Net operating income to assets | 0.0946% | 5,227 |
| Return on assets (ROA) | 0.2608% | 4,767 |
| Pretax return on assets | 0.2927% | 4,780 |
| Return on Equity (ROE) | 2.7555% | 4,607 |
| Retained earnings to average equity (ytd only) | 2.7555% | 3,231 |
| Net charge-offs to loans | 0.1958% | 5,422 |
| Credit loss provision to net charge-offs | 426.1905% | 732 |
| Earnings coverage of net charge-offs (x) | 5.0000% | 2,720 |
| Efficiency ratio | 86.5900% | 2,049 |
| Assets per employee ($millions) | 2.6850% | 6,881 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7875% | 2,591 |
| Loan loss allowance to noncurrent loans | 45.6343% | 5,353 |
| Noncurrent assets plus other real estate owned to assets | 4.1571% | 1,573 |
| Noncurrent loans to loans | 3.9169% | 1,897 |
| Net loans and leases to total assets | 73.6102% | 2,358 |
| Net loans and leases to deposits | 84.4801% | 3,185 |
| Net loans and leases to core deposits | 99.0128% | 4,109 |
| Total domestic deposits to total assets | 87.1332% | 2,423 |
| Equity capital to assets | 9.1818% | 4,869 |
| Core capital (leverage) ratio | 9.3471% | 3,905 |
| Tier 1 risk-based capital ratio | 10.3143% | 6,575 |
| Total risk-based capital ratio | 11.5683% | 6,541 |
| Memoranda: | ||
| Average total assets | $87,812,400 | 5,457 |
| Average earning assets | $72,421,800 | 5,740 |
| Average equity | $8,310,800 | 5,834 |
| Average total loans | $64,362,200 | 5,088 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8710% | 93 |
| Cost of funding earning assets | 1.6833% | 4,984 |
| Net interest margin | 6.1877% | 95 |
| Noninterest income to average assets | 0.8404% | 2,242 |
| Noninterest expense to average assets | 5.0315% | 473 |
| Loan and lease loss provision to assets | 0.4861% | 3,472 |
| Net operating income to assets | 0.3358% | 4,656 |
| Return on assets (ROA) | 0.3358% | 4,752 |
| Pretax return on assets | 0.4187% | 4,747 |
| Return on Equity (ROE) | 3.5209% | 4,567 |
| Retained earnings to average equity (ytd only) | 3.5209% | 3,323 |
| Net charge-offs to loans | 0.2294% | 4,623 |
| Credit loss provision to net charge-offs | 290.8257% | 1,429 |
| Earnings coverage of net charge-offs (x) | 5.4129% | 2,829 |
| Efficiency ratio | 84.7585% | 2,214 |
| Assets per employee ($millions) | 2.5970% | 7,052 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5658% | 3,140 |
| Loan loss allowance to noncurrent loans | 58.7219% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 3.9582% | 1,628 |
| Noncurrent loans to loans | 2.6664% | 2,843 |
| Net loans and leases to total assets | 72.6211% | 2,877 |
| Net loans and leases to deposits | 84.2515% | 3,606 |
| Net loans and leases to core deposits | 100.7336% | 4,289 |
| Total domestic deposits to total assets | 86.1956% | 2,591 |
| Equity capital to assets | 9.6854% | 4,517 |
| Core capital (leverage) ratio | 9.4243% | 4,015 |
| Tier 1 risk-based capital ratio | 10.9605% | 5,988 |
| Total risk-based capital ratio | 12.2119% | 5,952 |
| Memoranda: | ||
| Average total assets | $86,943,250 | 5,518 |
| Average earning assets | $71,603,250 | 5,800 |
| Average equity | $8,293,000 | 5,890 |
| Average total loans | $63,347,500 | 5,157 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7930% | 111 |
| Cost of funding earning assets | 1.7621% | 4,945 |
| Net interest margin | 6.0309% | 107 |
| Noninterest income to average assets | 0.8186% | 2,323 |
| Noninterest expense to average assets | 5.3647% | 411 |
| Loan and lease loss provision to assets | 0.2798% | 4,337 |
| Net operating income to assets | 0.0555% | 5,696 |
| Return on assets (ROA) | 0.0555% | 5,786 |
| Pretax return on assets | 0.1364% | 5,592 |
| Return on Equity (ROE) | 0.5849% | 5,763 |
| Retained earnings to average equity (ytd only) | 0.5849% | 4,960 |
| Net charge-offs to loans | 0.1084% | 5,075 |
| Credit loss provision to net charge-offs | 355.8824% | 1,304 |
| Earnings coverage of net charge-offs (x) | 5.2941% | 2,865 |
| Efficiency ratio | 92.8000% | 1,583 |
| Assets per employee ($millions) | 2.5781% | 7,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4318% | 3,560 |
| Loan loss allowance to noncurrent loans | 52.7273% | 4,864 |
| Noncurrent assets plus other real estate owned to assets | 3.3289% | 1,874 |
| Noncurrent loans to loans | 2.7154% | 2,651 |
| Net loans and leases to total assets | 70.6055% | 3,547 |
| Net loans and leases to deposits | 81.3860% | 4,325 |
| Net loans and leases to core deposits | 98.6594% | 4,632 |
| Total domestic deposits to total assets | 86.7539% | 2,374 |
| Equity capital to assets | 9.3445% | 4,809 |
| Core capital (leverage) ratio | 9.2731% | 4,205 |
| Tier 1 risk-based capital ratio | 11.1729% | 5,698 |
| Total risk-based capital ratio | 12.4224% | 5,623 |
| Memoranda: | ||
| Average total assets | $86,491,670 | 5,569 |
| Average earning assets | $71,166,330 | 5,848 |
| Average equity | $8,206,670 | 5,949 |
| Average total loans | $62,749,000 | 5,223 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.7602% | 120 |
| Cost of funding earning assets | 1.8223% | 5,011 |
| Net interest margin | 5.9379% | 108 |
| Noninterest income to average assets | 0.8707% | 1,984 |
| Noninterest expense to average assets | 4.6840% | 600 |
| Loan and lease loss provision to assets | 0.2840% | 3,689 |
| Net operating income to assets | 0.5913% | 4,051 |
| Return on assets (ROA) | 0.5913% | 4,250 |
| Pretax return on assets | 0.8334% | 3,961 |
| Return on Equity (ROE) | 6.1842% | 3,964 |
| Retained earnings to average equity (ytd only) | 6.1842% | 2,552 |
| Net charge-offs to loans | 0.0064% | 5,599 |
| Credit loss provision to net charge-offs | 6,100.0000% | 117 |
| Earnings coverage of net charge-offs (x) | 240.0000% | 178 |
| Efficiency ratio | 80.7384% | 2,701 |
| Assets per employee ($millions) | 2.6027% | 7,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4062% | 3,466 |
| Loan loss allowance to noncurrent loans | 43.4545% | 5,624 |
| Noncurrent assets plus other real estate owned to assets | 4.0987% | 1,242 |
| Noncurrent loans to loans | 3.2359% | 1,990 |
| Net loans and leases to total assets | 69.1712% | 3,879 |
| Net loans and leases to deposits | 78.7513% | 4,804 |
| Net loans and leases to core deposits | 93.8373% | 5,173 |
| Total domestic deposits to total assets | 87.8351% | 1,830 |
| Equity capital to assets | 9.3737% | 4,841 |
| Core capital (leverage) ratio | 9.5319% | 3,944 |
| Tier 1 risk-based capital ratio | 11.3107% | 5,584 |
| Total risk-based capital ratio | 12.5275% | 5,532 |
| Memoranda: | ||
| Average total assets | $85,909,500 | 5,606 |
| Average earning assets | $71,338,000 | 5,868 |
| Average equity | $8,214,500 | 5,983 |
| Average total loans | $62,729,000 | 5,252 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.8856% | 221 |
| Cost of funding earning assets | 2.0255% | 6,327 |
| Net interest margin | 5.8601% | 128 |
| Noninterest income to average assets | 0.9170% | 1,897 |
| Noninterest expense to average assets | 4.6640% | 789 |
| Loan and lease loss provision to assets | 0.4687% | 2,955 |
| Net operating income to assets | 0.6545% | 4,087 |
| Return on assets (ROA) | 0.6545% | 3,937 |
| Pretax return on assets | 0.9098% | 3,692 |
| Return on Equity (ROE) | 7.0403% | 3,511 |
| Retained earnings to average equity (ytd only) | 7.0403% | 1,139 |
| Net charge-offs to loans | 0.6585% | 1,885 |
| Credit loss provision to net charge-offs | 95.3659% | 5,535 |
| Earnings coverage of net charge-offs (x) | 2.8049% | 4,684 |
| Efficiency ratio | 77.1871% | 3,050 |
| Assets per employee ($millions) | 2.4508% | 7,298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2813% | 3,925 |
| Loan loss allowance to noncurrent loans | 33.0350% | 6,524 |
| Noncurrent assets plus other real estate owned to assets | 4.5339% | 823 |
| Noncurrent loans to loans | 3.8786% | 1,275 |
| Net loans and leases to total assets | 75.0801% | 2,866 |
| Net loans and leases to deposits | 86.0645% | 4,107 |
| Net loans and leases to core deposits | 101.7566% | 4,645 |
| Total domestic deposits to total assets | 87.2370% | 1,818 |
| Equity capital to assets | 9.7615% | 4,348 |
| Core capital (leverage) ratio | 9.5854% | 3,899 |
| Tier 1 risk-based capital ratio | 11.2721% | 5,468 |
| Total risk-based capital ratio | 12.4180% | 5,460 |
| Memoranda: | ||
| Average total assets | $83,426,800 | 5,583 |
| Average earning assets | $72,968,400 | 5,712 |
| Average equity | $7,755,400 | 6,187 |
| Average total loans | $62,260,800 | 5,168 |