Home > Highlands State Bank > Performance and Condition Ratios
Highlands State Bank, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4518% | 2,601 |
| Cost of funding earning assets | 0.9895% | 794 |
| Net interest margin | 3.4623% | 3,828 |
| Noninterest income to average assets | 0.6106% | 2,234 |
| Noninterest expense to average assets | 2.5518% | 3,461 |
| Loan and lease loss provision to assets | 0.1156% | 1,904 |
| Net operating income to assets | 0.9765% | 3,110 |
| Return on assets (ROA) | 0.9761% | 3,114 |
| Pretax return on assets | 1.2689% | 2,622 |
| Return on Equity (ROE) | 11.1520% | 2,024 |
| Retained earnings to average equity (ytd only) | 9.7466% | 665 |
| Net charge-offs to loans | -0.0009% | 4,182 |
| Credit loss provision to net charge-offs | -13,700.0000% | 4,981 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8194% | 3,061 |
| Assets per employee ($millions) | 6.0604% | 1,480 |
| Cash dividends to net income (ytd only)* | 12.6027% | 3,753 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0982% | 3,107 |
| Loan loss allowance to noncurrent loans | 168.0473% | 2,517 |
| Noncurrent assets plus other real estate owned to assets | 0.6365% | 2,135 |
| Noncurrent loans to loans | 0.6535% | 2,364 |
| Net loans and leases to total assets | 89.6805% | 68 |
| Net loans and leases to deposits | 105.8446% | 378 |
| Net loans and leases to core deposits | 115.9963% | 684 |
| Total domestic deposits to total assets | 84.7284% | 2,762 |
| Equity capital to assets | 9.0110% | 4,567 |
| Core capital (leverage) ratio | 8.9292% | 4,711 |
| Tier 1 risk-based capital ratio | 10.1716% | 5,261 |
| Total risk-based capital ratio | 11.3281% | 5,239 |
| Memoranda: | ||
| Average total assets | $473,944,600 | 1,474 |
| Average earning assets | $455,302,000 | 1,433 |
| Average equity | $41,481,200 | 1,798 |
| Average total loans | $424,277,800 | 1,196 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3972% | 2,633 |
| Cost of funding earning assets | 0.9405% | 775 |
| Net interest margin | 3.4567% | 3,846 |
| Noninterest income to average assets | 0.6641% | 2,008 |
| Noninterest expense to average assets | 2.6424% | 3,145 |
| Loan and lease loss provision to assets | 0.1123% | 1,803 |
| Net operating income to assets | 0.9315% | 3,388 |
| Return on assets (ROA) | 0.9312% | 3,395 |
| Pretax return on assets | 1.2274% | 2,888 |
| Return on Equity (ROE) | 10.7206% | 2,296 |
| Retained earnings to average equity (ytd only) | 9.4371% | 1,063 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3517% | 2,806 |
| Assets per employee ($millions) | 6.0970% | 1,420 |
| Cash dividends to net income (ytd only)* | 11.9720% | 3,318 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0817% | 3,293 |
| Loan loss allowance to noncurrent loans | 166.2989% | 2,570 |
| Noncurrent assets plus other real estate owned to assets | 0.6239% | 2,310 |
| Noncurrent loans to loans | 0.6504% | 2,462 |
| Net loans and leases to total assets | 87.6119% | 160 |
| Net loans and leases to deposits | 104.8214% | 500 |
| Net loans and leases to core deposits | 114.8561% | 767 |
| Total domestic deposits to total assets | 83.5821% | 3,093 |
| Equity capital to assets | 8.6957% | 4,798 |
| Core capital (leverage) ratio | 8.7324% | 4,935 |
| Tier 1 risk-based capital ratio | 9.9779% | 5,382 |
| Total risk-based capital ratio | 11.1091% | 5,362 |
| Memoranda: | ||
| Average total assets | $471,223,750 | 1,493 |
| Average earning assets | $452,372,500 | 1,444 |
| Average equity | $40,929,500 | 1,823 |
| Average total loans | $420,441,250 | 1,208 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3103% | 2,725 |
| Cost of funding earning assets | 0.8835% | 779 |
| Net interest margin | 3.4268% | 3,874 |
| Noninterest income to average assets | 0.7253% | 1,766 |
| Noninterest expense to average assets | 2.6965% | 3,028 |
| Loan and lease loss provision to assets | 0.1374% | 1,424 |
| Net operating income to assets | 0.9087% | 3,423 |
| Return on assets (ROA) | 0.9083% | 3,428 |
| Pretax return on assets | 1.1823% | 3,001 |
| Return on Equity (ROE) | 10.4613% | 2,354 |
| Retained earnings to average equity (ytd only) | 8.7895% | 1,281 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.1335% | 2,793 |
| Assets per employee ($millions) | 5.8072% | 1,632 |
| Cash dividends to net income (ytd only)* | 15.9811% | 3,125 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0600% | 3,481 |
| Loan loss allowance to noncurrent loans | 172.0704% | 2,518 |
| Noncurrent assets plus other real estate owned to assets | 0.5953% | 2,442 |
| Noncurrent loans to loans | 0.6160% | 2,569 |
| Net loans and leases to total assets | 87.9468% | 140 |
| Net loans and leases to deposits | 106.0581% | 429 |
| Net loans and leases to core deposits | 112.4073% | 864 |
| Total domestic deposits to total assets | 82.9232% | 3,430 |
| Equity capital to assets | 8.4735% | 4,964 |
| Core capital (leverage) ratio | 8.6709% | 4,978 |
| Tier 1 risk-based capital ratio | 9.7039% | 5,477 |
| Total risk-based capital ratio | 10.8160% | 5,464 |
| Memoranda: | ||
| Average total assets | $465,711,670 | 1,517 |
| Average earning assets | $447,297,000 | 1,462 |
| Average equity | $40,434,670 | 1,846 |
| Average total loans | $416,585,330 | 1,216 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2766% | 2,614 |
| Cost of funding earning assets | 0.8346% | 820 |
| Net interest margin | 3.4420% | 3,735 |
| Noninterest income to average assets | 0.7601% | 1,591 |
| Noninterest expense to average assets | 2.8117% | 2,653 |
| Loan and lease loss provision to assets | 0.0871% | 2,060 |
| Net operating income to assets | 0.8938% | 3,322 |
| Return on assets (ROA) | 0.8938% | 3,331 |
| Pretax return on assets | 1.1666% | 2,900 |
| Return on Equity (ROE) | 10.1638% | 2,351 |
| Retained earnings to average equity (ytd only) | 7.3227% | 2,136 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1625% | 2,634 |
| Assets per employee ($millions) | 5.5457% | 1,897 |
| Cash dividends to net income (ytd only)* | 27.9528% | 2,212 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0657% | 3,566 |
| Loan loss allowance to noncurrent loans | 150.5506% | 2,742 |
| Noncurrent assets plus other real estate owned to assets | 0.6820% | 2,286 |
| Noncurrent loans to loans | 0.7079% | 2,444 |
| Net loans and leases to total assets | 88.2369% | 119 |
| Net loans and leases to deposits | 101.7912% | 595 |
| Net loans and leases to core deposits | 107.6168% | 1,149 |
| Total domestic deposits to total assets | 86.6842% | 2,245 |
| Equity capital to assets | 8.7609% | 4,776 |
| Core capital (leverage) ratio | 8.7569% | 4,943 |
| Tier 1 risk-based capital ratio | 9.7349% | 5,538 |
| Total risk-based capital ratio | 10.8258% | 5,532 |
| Memoranda: | ||
| Average total assets | $454,666,000 | 1,554 |
| Average earning assets | $436,609,000 | 1,505 |
| Average equity | $39,985,000 | 1,869 |
| Average total loans | $408,076,500 | 1,243 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2965% | 2,343 |
| Cost of funding earning assets | 0.7692% | 737 |
| Net interest margin | 3.5273% | 3,436 |
| Noninterest income to average assets | 0.7625% | 1,722 |
| Noninterest expense to average assets | 2.7427% | 2,988 |
| Loan and lease loss provision to assets | 0.1821% | 1,176 |
| Net operating income to assets | 0.6186% | 3,933 |
| Return on assets (ROA) | 0.6164% | 3,983 |
| Pretax return on assets | 1.2135% | 2,716 |
| Return on Equity (ROE) | 6.6129% | 3,478 |
| Retained earnings to average equity (ytd only) | 3.6414% | 3,074 |
| Net charge-offs to loans | 0.0147% | 3,595 |
| Credit loss provision to net charge-offs | 1,389.0909% | 282 |
| Earnings coverage of net charge-offs (x) | 106.6909% | 617 |
| Efficiency ratio | 66.2254% | 3,228 |
| Assets per employee ($millions) | 5.2214% | 2,230 |
| Cash dividends to net income (ytd only)* | 44.9343% | 2,593 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0531% | 3,609 |
| Loan loss allowance to noncurrent loans | 138.6062% | 2,954 |
| Noncurrent assets plus other real estate owned to assets | 0.7498% | 2,091 |
| Noncurrent loans to loans | 0.7598% | 2,303 |
| Net loans and leases to total assets | 89.4744% | 93 |
| Net loans and leases to deposits | 102.6864% | 566 |
| Net loans and leases to core deposits | 107.4469% | 1,184 |
| Total domestic deposits to total assets | 87.1336% | 1,930 |
| Equity capital to assets | 8.8287% | 4,872 |
| Core capital (leverage) ratio | 8.7117% | 4,942 |
| Tier 1 risk-based capital ratio | 9.9758% | 5,540 |
| Total risk-based capital ratio | 11.0899% | 5,525 |
| Memoranda: | ||
| Average total assets | $419,514,600 | 1,636 |
| Average earning assets | $401,864,800 | 1,594 |
| Average equity | $39,105,600 | 1,895 |
| Average total loans | $373,121,400 | 1,304 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2756% | 2,336 |
| Cost of funding earning assets | 0.7579% | 730 |
| Net interest margin | 3.5177% | 3,436 |
| Noninterest income to average assets | 0.7438% | 1,814 |
| Noninterest expense to average assets | 2.7075% | 3,039 |
| Loan and lease loss provision to assets | 0.1770% | 1,139 |
| Net operating income to assets | 0.7868% | 3,575 |
| Return on assets (ROA) | 0.7920% | 3,604 |
| Pretax return on assets | 1.2387% | 2,752 |
| Return on Equity (ROE) | 8.3753% | 2,942 |
| Retained earnings to average equity (ytd only) | 5.3816% | 2,621 |
| Net charge-offs to loans | 0.0033% | 3,620 |
| Credit loss provision to net charge-offs | 6,077.7778% | 78 |
| Earnings coverage of net charge-offs (x) | 483.3217% | 207 |
| Efficiency ratio | 65.7992% | 3,247 |
| Assets per employee ($millions) | 5.1233% | 2,306 |
| Cash dividends to net income (ytd only)* | 35.7435% | 2,479 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0782% | 3,613 |
| Loan loss allowance to noncurrent loans | 148.5704% | 2,812 |
| Noncurrent assets plus other real estate owned to assets | 0.7076% | 2,384 |
| Noncurrent loans to loans | 0.7257% | 2,542 |
| Net loans and leases to total assets | 87.5146% | 174 |
| Net loans and leases to deposits | 98.3245% | 885 |
| Net loans and leases to core deposits | 103.0057% | 1,465 |
| Total domestic deposits to total assets | 89.0059% | 889 |
| Equity capital to assets | 9.2498% | 4,688 |
| Core capital (leverage) ratio | 8.9479% | 4,804 |
| Tier 1 risk-based capital ratio | 10.5095% | 5,448 |
| Total risk-based capital ratio | 11.6420% | 5,423 |
| Memoranda: | ||
| Average total assets | $412,134,000 | 1,676 |
| Average earning assets | $394,946,750 | 1,624 |
| Average equity | $38,971,000 | 1,915 |
| Average total loans | $364,889,500 | 1,341 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2509% | 2,286 |
| Cost of funding earning assets | 0.7401% | 723 |
| Net interest margin | 3.5108% | 3,359 |
| Noninterest income to average assets | 0.7757% | 1,659 |
| Noninterest expense to average assets | 2.7331% | 2,973 |
| Loan and lease loss provision to assets | 0.2413% | 702 |
| Net operating income to assets | 0.7448% | 3,652 |
| Return on assets (ROA) | 0.7531% | 3,679 |
| Pretax return on assets | 1.1791% | 2,856 |
| Return on Equity (ROE) | 7.9034% | 3,089 |
| Retained earnings to average equity (ytd only) | 5.5618% | 2,376 |
| Net charge-offs to loans | 0.0050% | 3,290 |
| Credit loss provision to net charge-offs | 5,444.4444% | 82 |
| Earnings coverage of net charge-offs (x) | 317.4444% | 267 |
| Efficiency ratio | 66.0124% | 3,349 |
| Assets per employee ($millions) | 5.1303% | 2,233 |
| Cash dividends to net income (ytd only)* | 29.6272% | 2,791 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0715% | 3,734 |
| Loan loss allowance to noncurrent loans | 154.9177% | 2,716 |
| Noncurrent assets plus other real estate owned to assets | 0.6967% | 2,471 |
| Noncurrent loans to loans | 0.6916% | 2,687 |
| Net loans and leases to total assets | 89.9388% | 80 |
| Net loans and leases to deposits | 102.6535% | 567 |
| Net loans and leases to core deposits | 108.7529% | 1,069 |
| Total domestic deposits to total assets | 87.6140% | 1,651 |
| Equity capital to assets | 9.4569% | 4,447 |
| Core capital (leverage) ratio | 9.1296% | 4,579 |
| Tier 1 risk-based capital ratio | 10.4881% | 5,462 |
| Total risk-based capital ratio | 11.6178% | 5,443 |
| Memoranda: | ||
| Average total assets | $406,059,670 | 1,690 |
| Average earning assets | $389,145,670 | 1,646 |
| Average equity | $38,692,330 | 1,927 |
| Average total loans | $359,609,330 | 1,361 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1878% | 2,313 |
| Cost of funding earning assets | 0.7279% | 730 |
| Net interest margin | 3.4599% | 3,420 |
| Noninterest income to average assets | 0.7894% | 1,595 |
| Noninterest expense to average assets | 2.8108% | 2,754 |
| Loan and lease loss provision to assets | 0.2781% | 516 |
| Net operating income to assets | 0.6539% | 3,915 |
| Return on assets (ROA) | 0.6539% | 3,951 |
| Pretax return on assets | 1.0217% | 3,281 |
| Return on Equity (ROE) | 6.8353% | 3,477 |
| Retained earnings to average equity (ytd only) | 4.0428% | 3,439 |
| Net charge-offs to loans | 0.0114% | 2,593 |
| Credit loss provision to net charge-offs | 2,790.0000% | 123 |
| Earnings coverage of net charge-offs (x) | 130.4000% | 421 |
| Efficiency ratio | 68.3802% | 3,141 |
| Assets per employee ($millions) | 5.1594% | 2,230 |
| Cash dividends to net income (ytd only)* | 40.8537% | 1,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0630% | 3,916 |
| Loan loss allowance to noncurrent loans | 171.9408% | 2,548 |
| Noncurrent assets plus other real estate owned to assets | 0.6747% | 2,603 |
| Noncurrent loans to loans | 0.6182% | 2,967 |
| Net loans and leases to total assets | 87.5976% | 130 |
| Net loans and leases to deposits | 99.0971% | 678 |
| Net loans and leases to core deposits | 106.0470% | 1,096 |
| Total domestic deposits to total assets | 88.3957% | 1,487 |
| Equity capital to assets | 9.4683% | 4,311 |
| Core capital (leverage) ratio | 9.1886% | 4,495 |
| Tier 1 risk-based capital ratio | 10.6600% | 5,478 |
| Total risk-based capital ratio | 11.7688% | 5,453 |
| Memoranda: | ||
| Average total assets | $401,310,500 | 1,729 |
| Average earning assets | $385,218,000 | 1,674 |
| Average equity | $38,389,000 | 1,943 |
| Average total loans | $350,516,000 | 1,397 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4018% | 1,815 |
| Cost of funding earning assets | 0.6632% | 987 |
| Net interest margin | 3.7386% | 2,543 |
| Noninterest income to average assets | 1.1620% | 839 |
| Noninterest expense to average assets | 3.4470% | 1,260 |
| Loan and lease loss provision to assets | 0.1884% | 1,247 |
| Net operating income to assets | 0.6892% | 3,832 |
| Return on assets (ROA) | 0.6887% | 3,944 |
| Pretax return on assets | 1.0748% | 3,197 |
| Return on Equity (ROE) | 7.6216% | 3,159 |
| Retained earnings to average equity (ytd only) | 4.7006% | 2,548 |
| Net charge-offs to loans | 0.1433% | 1,826 |
| Credit loss provision to net charge-offs | 146.6814% | 1,866 |
| Earnings coverage of net charge-offs (x) | 9.8407% | 2,715 |
| Efficiency ratio | 73.1741% | 2,398 |
| Assets per employee ($millions) | 4.9379% | 2,460 |
| Cash dividends to net income (ytd only)* | 38.3251% | 2,940 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0486% | 4,021 |
| Loan loss allowance to noncurrent loans | 163.1001% | 2,637 |
| Noncurrent assets plus other real estate owned to assets | 0.6848% | 2,659 |
| Noncurrent loans to loans | 0.6429% | 2,923 |
| Net loans and leases to total assets | 85.2059% | 283 |
| Net loans and leases to deposits | 97.7195% | 852 |
| Net loans and leases to core deposits | 107.0770% | 1,064 |
| Total domestic deposits to total assets | 87.1944% | 2,027 |
| Equity capital to assets | 9.6666% | 4,099 |
| Core capital (leverage) ratio | 9.2988% | 4,349 |
| Tier 1 risk-based capital ratio | 11.2046% | 5,215 |
| Total risk-based capital ratio | 12.2992% | 5,204 |
| Memoranda: | ||
| Average total assets | $351,983,200 | 1,894 |
| Average earning assets | $334,113,400 | 1,854 |
| Average equity | $31,804,200 | 2,236 |
| Average total loans | $315,495,200 | 1,466 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4644% | 1,652 |
| Cost of funding earning assets | 0.6293% | 1,147 |
| Net interest margin | 3.8351% | 2,212 |
| Noninterest income to average assets | 1.1382% | 887 |
| Noninterest expense to average assets | 3.4800% | 1,188 |
| Loan and lease loss provision to assets | 0.2087% | 1,013 |
| Net operating income to assets | 0.6881% | 3,916 |
| Return on assets (ROA) | 0.6881% | 4,048 |
| Pretax return on assets | 1.0765% | 3,327 |
| Return on Equity (ROE) | 7.7724% | 3,134 |
| Retained earnings to average equity (ytd only) | 7.2737% | 1,490 |
| Net charge-offs to loans | 0.1543% | 1,458 |
| Credit loss provision to net charge-offs | 149.1620% | 1,780 |
| Earnings coverage of net charge-offs (x) | 9.1872% | 2,698 |
| Efficiency ratio | 73.0299% | 2,436 |
| Assets per employee ($millions) | 4.5853% | 2,943 |
| Cash dividends to net income (ytd only)* | 6.4167% | 3,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0689% | 4,032 |
| Loan loss allowance to noncurrent loans | 182.7212% | 2,403 |
| Noncurrent assets plus other real estate owned to assets | 0.7267% | 2,743 |
| Noncurrent loans to loans | 0.5850% | 3,254 |
| Net loans and leases to total assets | 84.8714% | 338 |
| Net loans and leases to deposits | 95.6650% | 1,080 |
| Net loans and leases to core deposits | 105.6627% | 1,215 |
| Total domestic deposits to total assets | 88.7173% | 1,044 |
| Equity capital to assets | 7.9408% | 5,758 |
| Core capital (leverage) ratio | 8.0920% | 5,642 |
| Tier 1 risk-based capital ratio | 9.1257% | 5,914 |
| Total risk-based capital ratio | 10.2436% | 5,921 |
| Memoranda: | ||
| Average total assets | $341,221,500 | 1,942 |
| Average earning assets | $322,696,250 | 1,914 |
| Average equity | $30,208,750 | 2,355 |
| Average total loans | $309,330,000 | 1,488 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5361% | 1,416 |
| Cost of funding earning assets | 0.5952% | 1,352 |
| Net interest margin | 3.9409% | 1,838 |
| Noninterest income to average assets | 1.1373% | 862 |
| Noninterest expense to average assets | 3.5667% | 1,054 |
| Loan and lease loss provision to assets | 0.2480% | 782 |
| Net operating income to assets | 0.6871% | 3,861 |
| Return on assets (ROA) | 0.6871% | 4,008 |
| Pretax return on assets | 1.0736% | 3,314 |
| Return on Equity (ROE) | 7.4593% | 3,288 |
| Retained earnings to average equity (ytd only) | 6.9474% | 1,632 |
| Net charge-offs to loans | 0.2342% | 1,005 |
| Credit loss provision to net charge-offs | 114.4068% | 1,921 |
| Earnings coverage of net charge-offs (x) | 6.0960% | 2,782 |
| Efficiency ratio | 72.9642% | 2,526 |
| Assets per employee ($millions) | 4.1862% | 3,591 |
| Cash dividends to net income (ytd only)* | 6.8627% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0784% | 4,063 |
| Loan loss allowance to noncurrent loans | 239.4238% | 1,968 |
| Noncurrent assets plus other real estate owned to assets | 0.6578% | 3,035 |
| Noncurrent loans to loans | 0.4504% | 3,756 |
| Net loans and leases to total assets | 91.0434% | 40 |
| Net loans and leases to deposits | 103.2786% | 492 |
| Net loans and leases to core deposits | 114.3106% | 710 |
| Total domestic deposits to total assets | 88.1533% | 1,351 |
| Equity capital to assets | 8.8164% | 5,387 |
| Core capital (leverage) ratio | 8.6216% | 5,240 |
| Tier 1 risk-based capital ratio | 9.3752% | 5,970 |
| Total risk-based capital ratio | 10.4961% | 5,972 |
| Memoranda: | ||
| Average total assets | $326,574,000 | 2,034 |
| Average earning assets | $310,842,000 | 1,985 |
| Average equity | $30,083,330 | 2,361 |
| Average total loans | $302,298,000 | 1,515 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5514% | 1,373 |
| Cost of funding earning assets | 0.5613% | 1,611 |
| Net interest margin | 3.9900% | 1,641 |
| Noninterest income to average assets | 1.2180% | 730 |
| Noninterest expense to average assets | 3.7294% | 862 |
| Loan and lease loss provision to assets | 0.2263% | 824 |
| Net operating income to assets | 0.6825% | 3,805 |
| Return on assets (ROA) | 0.6825% | 3,920 |
| Pretax return on assets | 1.0684% | 3,209 |
| Return on Equity (ROE) | 7.2417% | 3,322 |
| Retained earnings to average equity (ytd only) | 6.7616% | 2,002 |
| Net charge-offs to loans | 0.3817% | 583 |
| Credit loss provision to net charge-offs | 63.8298% | 1,952 |
| Earnings coverage of net charge-offs (x) | 3.6525% | 2,515 |
| Efficiency ratio | 74.2307% | 2,440 |
| Assets per employee ($millions) | 4.3983% | 3,251 |
| Cash dividends to net income (ytd only)* | 6.6298% | 2,775 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0821% | 4,151 |
| Loan loss allowance to noncurrent loans | 176.3686% | 2,458 |
| Noncurrent assets plus other real estate owned to assets | 0.7266% | 2,897 |
| Noncurrent loans to loans | 0.6135% | 3,333 |
| Net loans and leases to total assets | 92.6472% | 24 |
| Net loans and leases to deposits | 110.0658% | 226 |
| Net loans and leases to core deposits | 123.1381% | 385 |
| Total domestic deposits to total assets | 84.1744% | 3,451 |
| Equity capital to assets | 9.4240% | 4,746 |
| Core capital (leverage) ratio | 8.9957% | 4,862 |
| Tier 1 risk-based capital ratio | 9.9098% | 5,926 |
| Total risk-based capital ratio | 11.0414% | 5,924 |
| Memoranda: | ||
| Average total assets | $318,227,000 | 2,096 |
| Average earning assets | $303,558,000 | 2,036 |
| Average equity | $29,993,000 | 2,368 |
| Average total loans | $295,482,000 | 1,538 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5536% | 1,448 |
| Cost of funding earning assets | 0.5681% | 1,608 |
| Net interest margin | 3.9855% | 1,767 |
| Noninterest income to average assets | 1.0663% | 1,036 |
| Noninterest expense to average assets | 3.6779% | 1,004 |
| Loan and lease loss provision to assets | 0.2413% | 794 |
| Net operating income to assets | 0.6493% | 4,039 |
| Return on assets (ROA) | 0.7167% | 3,839 |
| Pretax return on assets | 1.0143% | 3,400 |
| Return on Equity (ROE) | 7.5431% | 3,225 |
| Retained earnings to average equity (ytd only) | 7.0431% | 1,262 |
| Net charge-offs to loans | 0.0469% | 3,280 |
| Credit loss provision to net charge-offs | 568.8000% | 589 |
| Earnings coverage of net charge-offs (x) | 27.7280% | 1,537 |
| Efficiency ratio | 75.7690% | 2,312 |
| Assets per employee ($millions) | 4.3287% | 3,342 |
| Cash dividends to net income (ytd only)* | 6.6288% | 4,146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 3,720 |
| Loan loss allowance to noncurrent loans | 166.8821% | 2,599 |
| Noncurrent assets plus other real estate owned to assets | 0.7908% | 2,695 |
| Noncurrent loans to loans | 0.6929% | 3,117 |
| Net loans and leases to total assets | 90.7885% | 45 |
| Net loans and leases to deposits | 106.5310% | 340 |
| Net loans and leases to core deposits | 119.0916% | 498 |
| Total domestic deposits to total assets | 85.2226% | 2,993 |
| Equity capital to assets | 9.4508% | 4,609 |
| Core capital (leverage) ratio | 8.8683% | 5,040 |
| Tier 1 risk-based capital ratio | 9.8971% | 5,971 |
| Total risk-based capital ratio | 11.0995% | 5,949 |
| Memoranda: | ||
| Average total assets | $294,675,200 | 2,179 |
| Average earning assets | $280,066,200 | 2,139 |
| Average equity | $27,999,200 | 2,461 |
| Average total loans | $266,540,200 | 1,638 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5558% | 1,438 |
| Cost of funding earning assets | 0.5724% | 1,600 |
| Net interest margin | 3.9833% | 1,754 |
| Noninterest income to average assets | 1.1188% | 963 |
| Noninterest expense to average assets | 3.7219% | 945 |
| Loan and lease loss provision to assets | 0.2396% | 736 |
| Net operating income to assets | 0.5977% | 4,394 |
| Return on assets (ROA) | 0.6313% | 4,343 |
| Pretax return on assets | 0.9935% | 3,636 |
| Return on Equity (ROE) | 6.6343% | 3,822 |
| Retained earnings to average equity (ytd only) | 6.1258% | 2,169 |
| Net charge-offs to loans | 0.0015% | 4,130 |
| Credit loss provision to net charge-offs | 17,333.3333% | 21 |
| Earnings coverage of net charge-offs (x) | 853.9775% | 87 |
| Efficiency ratio | 75.9188% | 2,260 |
| Assets per employee ($millions) | 4.0985% | 3,700 |
| Cash dividends to net income (ytd only)* | 7.6644% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1887% | 3,721 |
| Loan loss allowance to noncurrent loans | 141.8645% | 2,925 |
| Noncurrent assets plus other real estate owned to assets | 0.9377% | 2,515 |
| Noncurrent loans to loans | 0.8379% | 2,877 |
| Net loans and leases to total assets | 90.0870% | 63 |
| Net loans and leases to deposits | 102.7170% | 510 |
| Net loans and leases to core deposits | 116.5120% | 567 |
| Total domestic deposits to total assets | 87.7041% | 1,705 |
| Equity capital to assets | 9.2958% | 5,012 |
| Core capital (leverage) ratio | 8.6063% | 5,455 |
| Tier 1 risk-based capital ratio | 9.6216% | 6,124 |
| Total risk-based capital ratio | 10.8337% | 6,103 |
| Memoranda: | ||
| Average total assets | $289,345,000 | 2,229 |
| Average earning assets | $274,839,000 | 2,183 |
| Average equity | $27,533,000 | 2,513 |
| Average total loans | $260,614,250 | 1,678 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5222% | 1,470 |
| Cost of funding earning assets | 0.5511% | 1,805 |
| Net interest margin | 3.9711% | 1,729 |
| Noninterest income to average assets | 1.0081% | 1,162 |
| Noninterest expense to average assets | 3.6495% | 1,051 |
| Loan and lease loss provision to assets | 0.2655% | 629 |
| Net operating income to assets | 0.5411% | 4,597 |
| Return on assets (ROA) | 0.5564% | 4,641 |
| Pretax return on assets | 0.8880% | 3,998 |
| Return on Equity (ROE) | 5.7994% | 4,233 |
| Retained earnings to average equity (ytd only) | 5.2869% | 2,685 |
| Net charge-offs to loans | -0.0008% | 4,552 |
| Credit loss provision to net charge-offs | -37,800.0000% | 5,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.3634% | 2,298 |
| Assets per employee ($millions) | 4.1557% | 3,561 |
| Cash dividends to net income (ytd only)* | 8.8384% | 3,478 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1800% | 3,904 |
| Loan loss allowance to noncurrent loans | 136.4385% | 3,009 |
| Noncurrent assets plus other real estate owned to assets | 0.9525% | 2,627 |
| Noncurrent loans to loans | 0.8649% | 2,967 |
| Net loans and leases to total assets | 88.1348% | 131 |
| Net loans and leases to deposits | 103.1839% | 491 |
| Net loans and leases to core deposits | 117.5007% | 543 |
| Total domestic deposits to total assets | 85.4153% | 2,960 |
| Equity capital to assets | 9.2550% | 4,951 |
| Core capital (leverage) ratio | 8.8999% | 5,097 |
| Tier 1 risk-based capital ratio | 9.7824% | 6,150 |
| Total risk-based capital ratio | 10.9887% | 6,121 |
| Memoranda: | ||
| Average total assets | $284,697,330 | 2,272 |
| Average earning assets | $270,356,330 | 2,230 |
| Average equity | $27,313,000 | 2,536 |
| Average total loans | $255,315,670 | 1,710 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5055% | 1,443 |
| Cost of funding earning assets | 0.5277% | 2,027 |
| Net interest margin | 3.9777% | 1,633 |
| Noninterest income to average assets | 0.7468% | 1,931 |
| Noninterest expense to average assets | 3.5669% | 1,181 |
| Loan and lease loss provision to assets | 0.2350% | 730 |
| Net operating income to assets | 0.4354% | 4,928 |
| Return on assets (ROA) | 0.4354% | 5,049 |
| Pretax return on assets | 0.7266% | 4,518 |
| Return on Equity (ROE) | 4.4537% | 4,782 |
| Retained earnings to average equity (ytd only) | 3.9375% | 3,632 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7647% | 2,076 |
| Assets per employee ($millions) | 4.4779% | 3,086 |
| Cash dividends to net income (ytd only)* | 11.5894% | 2,701 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1425% | 4,302 |
| Loan loss allowance to noncurrent loans | 109.0335% | 3,477 |
| Noncurrent assets plus other real estate owned to assets | 1.1666% | 2,297 |
| Noncurrent loans to loans | 1.0478% | 2,668 |
| Net loans and leases to total assets | 89.9609% | 57 |
| Net loans and leases to deposits | 103.3630% | 397 |
| Net loans and leases to core deposits | 118.2326% | 448 |
| Total domestic deposits to total assets | 87.0340% | 2,349 |
| Equity capital to assets | 9.6708% | 4,551 |
| Core capital (leverage) ratio | 8.8121% | 5,191 |
| Tier 1 risk-based capital ratio | 9.3928% | 6,282 |
| Total risk-based capital ratio | 10.5465% | 6,282 |
| Memoranda: | ||
| Average total assets | $277,441,000 | 2,333 |
| Average earning assets | $263,767,500 | 2,287 |
| Average equity | $27,123,500 | 2,569 |
| Average total loans | $249,545,000 | 1,748 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5009% | 1,859 |
| Cost of funding earning assets | 0.4616% | 3,057 |
| Net interest margin | 4.0393% | 1,778 |
| Noninterest income to average assets | 0.8663% | 1,621 |
| Noninterest expense to average assets | 3.8874% | 870 |
| Loan and lease loss provision to assets | 0.2715% | 800 |
| Net operating income to assets | 0.3130% | 5,490 |
| Return on assets (ROA) | 0.3371% | 5,487 |
| Pretax return on assets | 0.5621% | 5,066 |
| Return on Equity (ROE) | 3.3441% | 5,354 |
| Retained earnings to average equity (ytd only) | 2.7580% | 4,277 |
| Net charge-offs to loans | 0.2325% | 1,815 |
| Credit loss provision to net charge-offs | 134.7390% | 1,752 |
| Earnings coverage of net charge-offs (x) | 3.9498% | 3,778 |
| Efficiency ratio | 83.0050% | 1,521 |
| Assets per employee ($millions) | 4.1966% | 3,552 |
| Cash dividends to net income (ytd only)* | 17.5270% | 3,898 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1429% | 4,323 |
| Loan loss allowance to noncurrent loans | 108.2454% | 3,532 |
| Noncurrent assets plus other real estate owned to assets | 1.1618% | 2,443 |
| Noncurrent loans to loans | 1.0558% | 2,711 |
| Net loans and leases to total assets | 87.8384% | 119 |
| Net loans and leases to deposits | 101.2735% | 553 |
| Net loans and leases to core deposits | 113.5581% | 621 |
| Total domestic deposits to total assets | 86.7338% | 2,432 |
| Equity capital to assets | 9.8854% | 4,254 |
| Core capital (leverage) ratio | 9.4925% | 4,250 |
| Tier 1 risk-based capital ratio | 10.3099% | 6,177 |
| Total risk-based capital ratio | 11.4830% | 6,143 |
| Memoranda: | ||
| Average total assets | $247,131,000 | 2,551 |
| Average earning assets | $233,530,400 | 2,482 |
| Average equity | $24,909,600 | 2,675 |
| Average total loans | $214,225,200 | 1,941 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4933% | 1,896 |
| Cost of funding earning assets | 0.4456% | 3,301 |
| Net interest margin | 4.0477% | 1,730 |
| Noninterest income to average assets | 0.7511% | 2,094 |
| Noninterest expense to average assets | 3.6983% | 1,125 |
| Loan and lease loss provision to assets | 0.2642% | 804 |
| Net operating income to assets | 0.3623% | 5,392 |
| Return on assets (ROA) | 0.3949% | 5,344 |
| Pretax return on assets | 0.6580% | 4,848 |
| Return on Equity (ROE) | 3.8967% | 5,212 |
| Retained earnings to average equity (ytd only) | 3.2901% | 4,281 |
| Net charge-offs to loans | 0.3211% | 1,244 |
| Credit loss provision to net charge-offs | 95.5912% | 2,332 |
| Earnings coverage of net charge-offs (x) | 3.1523% | 3,722 |
| Efficiency ratio | 80.9333% | 1,772 |
| Assets per employee ($millions) | 3.7786% | 4,333 |
| Cash dividends to net income (ytd only)* | 15.5685% | 3,369 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1475% | 4,514 |
| Loan loss allowance to noncurrent loans | 92.8597% | 3,845 |
| Noncurrent assets plus other real estate owned to assets | 1.3390% | 2,302 |
| Noncurrent loans to loans | 1.2357% | 2,572 |
| Net loans and leases to total assets | 87.6228% | 127 |
| Net loans and leases to deposits | 100.1675% | 603 |
| Net loans and leases to core deposits | 110.2167% | 739 |
| Total domestic deposits to total assets | 87.4763% | 2,041 |
| Equity capital to assets | 10.5906% | 3,441 |
| Core capital (leverage) ratio | 9.6930% | 4,090 |
| Tier 1 risk-based capital ratio | 11.0178% | 5,984 |
| Total risk-based capital ratio | 12.1971% | 5,966 |
| Memoranda: | ||
| Average total assets | $240,719,750 | 2,624 |
| Average earning assets | $227,086,250 | 2,566 |
| Average equity | $24,395,750 | 2,724 |
| Average total loans | $207,188,500 | 2,004 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 2,116 |
| Cost of funding earning assets | 0.4243% | 3,607 |
| Net interest margin | 3.9949% | 1,819 |
| Noninterest income to average assets | 0.6577% | 2,494 |
| Noninterest expense to average assets | 3.6192% | 1,262 |
| Loan and lease loss provision to assets | 0.3060% | 639 |
| Net operating income to assets | 0.2958% | 5,579 |
| Return on assets (ROA) | 0.3331% | 5,525 |
| Pretax return on assets | 0.5554% | 5,114 |
| Return on Equity (ROE) | 3.3404% | 5,408 |
| Retained earnings to average equity (ytd only) | 2.6960% | 4,487 |
| Net charge-offs to loans | 0.2750% | 1,444 |
| Credit loss provision to net charge-offs | 130.6859% | 1,602 |
| Earnings coverage of net charge-offs (x) | 3.4296% | 3,313 |
| Efficiency ratio | 81.8390% | 1,761 |
| Assets per employee ($millions) | 3.3689% | 5,121 |
| Cash dividends to net income (ytd only)* | 19.2893% | 3,194 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2372% | 4,231 |
| Loan loss allowance to noncurrent loans | 74.8953% | 4,350 |
| Noncurrent assets plus other real estate owned to assets | 1.6429% | 1,989 |
| Noncurrent loans to loans | 1.6519% | 2,104 |
| Net loans and leases to total assets | 84.7372% | 252 |
| Net loans and leases to deposits | 101.7228% | 467 |
| Net loans and leases to core deposits | 112.1123% | 595 |
| Total domestic deposits to total assets | 83.3021% | 4,189 |
| Equity capital to assets | 10.5072% | 3,435 |
| Core capital (leverage) ratio | 10.1213% | 3,443 |
| Tier 1 risk-based capital ratio | 11.1962% | 5,959 |
| Total risk-based capital ratio | 12.4461% | 5,899 |
| Memoranda: | ||
| Average total assets | $236,570,670 | 2,668 |
| Average earning assets | $222,935,670 | 2,615 |
| Average equity | $23,590,330 | 2,791 |
| Average total loans | $201,449,000 | 2,037 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4189% | 2,065 |
| Cost of funding earning assets | 0.4219% | 3,740 |
| Net interest margin | 3.9970% | 1,774 |
| Noninterest income to average assets | 0.2993% | 4,965 |
| Noninterest expense to average assets | 3.3712% | 1,782 |
| Loan and lease loss provision to assets | 0.2223% | 1,015 |
| Net operating income to assets | 0.2923% | 5,522 |
| Return on assets (ROA) | 0.2923% | 5,566 |
| Pretax return on assets | 0.4866% | 5,208 |
| Return on Equity (ROE) | 3.0211% | 5,451 |
| Retained earnings to average equity (ytd only) | 2.2794% | 4,689 |
| Net charge-offs to loans | 0.3901% | 936 |
| Credit loss provision to net charge-offs | 67.1958% | 2,032 |
| Earnings coverage of net charge-offs (x) | 2.1429% | 2,942 |
| Efficiency ratio | 82.6255% | 1,848 |
| Assets per employee ($millions) | 3.8933% | 4,150 |
| Cash dividends to net income (ytd only)* | 24.5509% | 2,424 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2959% | 4,146 |
| Loan loss allowance to noncurrent loans | 67.3486% | 4,579 |
| Noncurrent assets plus other real estate owned to assets | 1.8583% | 1,865 |
| Noncurrent loans to loans | 1.9241% | 1,960 |
| Net loans and leases to total assets | 82.6573% | 318 |
| Net loans and leases to deposits | 94.2710% | 765 |
| Net loans and leases to core deposits | 104.1923% | 848 |
| Total domestic deposits to total assets | 87.6805% | 2,416 |
| Equity capital to assets | 9.5442% | 4,439 |
| Core capital (leverage) ratio | 8.6098% | 5,515 |
| Tier 1 risk-based capital ratio | 10.0576% | 6,462 |
| Total risk-based capital ratio | 11.3080% | 6,434 |
| Memoranda: | ||
| Average total assets | $228,523,000 | 2,753 |
| Average earning assets | $216,162,500 | 2,679 |
| Average equity | $22,111,500 | 2,931 |
| Average total loans | $193,781,500 | 2,108 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5870% | 1,912 |
| Cost of funding earning assets | 0.4313% | 4,306 |
| Net interest margin | 4.1557% | 1,484 |
| Noninterest income to average assets | 0.0800% | 6,459 |
| Noninterest expense to average assets | 3.1850% | 2,461 |
| Loan and lease loss provision to assets | 0.3546% | 886 |
| Net operating income to assets | 1.0995% | 1,938 |
| Return on assets (ROA) | 1.1074% | 1,982 |
| Pretax return on assets | 0.4683% | 5,299 |
| Return on Equity (ROE) | 10.8321% | 1,820 |
| Retained earnings to average equity (ytd only) | 10.5076% | 485 |
| Net charge-offs to loans | 0.4458% | 1,489 |
| Credit loss provision to net charge-offs | 95.6579% | 2,616 |
| Earnings coverage of net charge-offs (x) | 2.1987% | 4,293 |
| Efficiency ratio | 79.6220% | 2,216 |
| Assets per employee ($millions) | 4.9655% | 2,218 |
| Cash dividends to net income (ytd only)* | 2.9956% | 4,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3530% | 3,879 |
| Loan loss allowance to noncurrent loans | 58.9156% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 2.2453% | 1,583 |
| Noncurrent loans to loans | 2.2965% | 1,679 |
| Net loans and leases to total assets | 84.7379% | 209 |
| Net loans and leases to deposits | 96.0772% | 727 |
| Net loans and leases to core deposits | 103.6195% | 935 |
| Total domestic deposits to total assets | 88.1978% | 2,059 |
| Equity capital to assets | 9.8134% | 4,019 |
| Core capital (leverage) ratio | 9.1526% | 4,781 |
| Tier 1 risk-based capital ratio | 9.2928% | 6,630 |
| Total risk-based capital ratio | 10.5267% | 6,615 |
| Memoranda: | ||
| Average total assets | $204,993,600 | 2,974 |
| Average earning assets | $193,373,000 | 2,912 |
| Average equity | $20,956,200 | 3,049 |
| Average total loans | $170,470,000 | 2,298 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6262% | 1,808 |
| Cost of funding earning assets | 0.4448% | 4,334 |
| Net interest margin | 4.1814% | 1,391 |
| Noninterest income to average assets | 0.0206% | 6,693 |
| Noninterest expense to average assets | 3.2178% | 2,310 |
| Loan and lease loss provision to assets | 0.2582% | 1,377 |
| Net operating income to assets | 1.1292% | 1,890 |
| Return on assets (ROA) | 1.1365% | 1,937 |
| Pretax return on assets | 0.4864% | 5,394 |
| Return on Equity (ROE) | 10.9943% | 1,819 |
| Retained earnings to average equity (ytd only) | 10.6660% | 647 |
| Net charge-offs to loans | 0.3529% | 1,783 |
| Credit loss provision to net charge-offs | 88.7872% | 2,662 |
| Earnings coverage of net charge-offs (x) | 2.5355% | 3,988 |
| Efficiency ratio | 81.3594% | 1,921 |
| Assets per employee ($millions) | 5.5024% | 1,619 |
| Cash dividends to net income (ytd only)* | 2.9860% | 3,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4939% | 3,482 |
| Loan loss allowance to noncurrent loans | 50.3512% | 5,217 |
| Noncurrent assets plus other real estate owned to assets | 2.7433% | 1,368 |
| Noncurrent loans to loans | 2.9670% | 1,367 |
| Net loans and leases to total assets | 81.3915% | 415 |
| Net loans and leases to deposits | 92.2162% | 971 |
| Net loans and leases to core deposits | 97.5641% | 1,271 |
| Total domestic deposits to total assets | 88.2617% | 1,959 |
| Equity capital to assets | 10.2796% | 3,534 |
| Core capital (leverage) ratio | 9.4641% | 4,456 |
| Tier 1 risk-based capital ratio | 10.0796% | 6,576 |
| Total risk-based capital ratio | 11.3308% | 6,546 |
| Memoranda: | ||
| Average total assets | $200,379,750 | 3,052 |
| Average earning assets | $188,542,750 | 3,001 |
| Average equity | $20,713,250 | 3,110 |
| Average total loans | $165,101,750 | 2,370 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7063% | 1,549 |
| Cost of funding earning assets | 0.4788% | 4,114 |
| Net interest margin | 4.2275% | 1,204 |
| Noninterest income to average assets | -0.0830% | 6,844 |
| Noninterest expense to average assets | 3.2693% | 2,163 |
| Loan and lease loss provision to assets | 0.2198% | 1,725 |
| Net operating income to assets | 1.0898% | 1,956 |
| Return on assets (ROA) | 1.1009% | 2,037 |
| Pretax return on assets | 0.4092% | 5,621 |
| Return on Equity (ROE) | 10.6292% | 1,957 |
| Retained earnings to average equity (ytd only) | 10.2968% | 784 |
| Net charge-offs to loans | 0.0246% | 4,354 |
| Credit loss provision to net charge-offs | 1,085.0000% | 285 |
| Earnings coverage of net charge-offs (x) | 30.5000% | 1,131 |
| Efficiency ratio | 84.1063% | 1,621 |
| Assets per employee ($millions) | 5.2958% | 1,800 |
| Cash dividends to net income (ytd only)* | 3.1279% | 3,458 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7431% | 2,613 |
| Loan loss allowance to noncurrent loans | 49.3799% | 5,235 |
| Noncurrent assets plus other real estate owned to assets | 4.0613% | 846 |
| Noncurrent loans to loans | 3.5301% | 1,191 |
| Net loans and leases to total assets | 79.1843% | 621 |
| Net loans and leases to deposits | 88.6757% | 1,268 |
| Net loans and leases to core deposits | 94.1040% | 1,513 |
| Total domestic deposits to total assets | 89.2965% | 1,450 |
| Equity capital to assets | 10.3746% | 3,460 |
| Core capital (leverage) ratio | 9.5379% | 4,185 |
| Tier 1 risk-based capital ratio | 10.1013% | 6,610 |
| Total risk-based capital ratio | 11.3539% | 6,587 |
| Memoranda: | ||
| Average total assets | $197,475,330 | 3,096 |
| Average earning assets | $185,454,330 | 3,042 |
| Average equity | $20,453,000 | 3,163 |
| Average total loans | $162,547,330 | 2,404 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7869% | 1,320 |
| Cost of funding earning assets | 0.5135% | 3,939 |
| Net interest margin | 4.2734% | 1,019 |
| Noninterest income to average assets | 0.0389% | 6,767 |
| Noninterest expense to average assets | 3.3785% | 1,880 |
| Loan and lease loss provision to assets | 0.3109% | 1,098 |
| Net operating income to assets | 1.0880% | 1,907 |
| Return on assets (ROA) | 1.0880% | 2,014 |
| Pretax return on assets | 0.3661% | 5,656 |
| Return on Equity (ROE) | 10.5136% | 1,868 |
| Retained earnings to average equity (ytd only) | 10.1776% | 1,060 |
| Net charge-offs to loans | 0.0492% | 3,339 |
| Credit loss provision to net charge-offs | 760.0000% | 376 |
| Earnings coverage of net charge-offs (x) | 16.5500% | 1,363 |
| Efficiency ratio | 83.3081% | 1,854 |
| Assets per employee ($millions) | 5.5021% | 1,669 |
| Cash dividends to net income (ytd only)* | 3.1955% | 2,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7018% | 3,002 |
| Loan loss allowance to noncurrent loans | 52.4596% | 5,056 |
| Noncurrent assets plus other real estate owned to assets | 4.1449% | 940 |
| Noncurrent loans to loans | 3.2440% | 1,505 |
| Net loans and leases to total assets | 80.5432% | 380 |
| Net loans and leases to deposits | 91.6958% | 829 |
| Net loans and leases to core deposits | 97.5028% | 1,118 |
| Total domestic deposits to total assets | 87.8374% | 2,423 |
| Equity capital to assets | 10.3491% | 3,736 |
| Core capital (leverage) ratio | 9.5310% | 4,027 |
| Tier 1 risk-based capital ratio | 10.3118% | 6,634 |
| Total risk-based capital ratio | 11.5648% | 6,620 |
| Memoranda: | ||
| Average total assets | $195,592,000 | 3,150 |
| Average earning assets | $183,833,500 | 3,100 |
| Average equity | $20,240,500 | 3,226 |
| Average total loans | $162,731,500 | 2,411 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7880% | 2,245 |
| Cost of funding earning assets | 0.5859% | 4,479 |
| Net interest margin | 4.2020% | 1,656 |
| Noninterest income to average assets | 0.2645% | 5,568 |
| Noninterest expense to average assets | 3.1558% | 2,749 |
| Loan and lease loss provision to assets | 0.5898% | 939 |
| Net operating income to assets | 0.8318% | 3,133 |
| Return on assets (ROA) | 0.8477% | 3,310 |
| Pretax return on assets | 0.4972% | 5,288 |
| Return on Equity (ROE) | 8.1491% | 3,020 |
| Retained earnings to average equity (ytd only) | 7.8174% | 1,189 |
| Net charge-offs to loans | 0.3579% | 2,841 |
| Credit loss provision to net charge-offs | 203.2075% | 1,264 |
| Earnings coverage of net charge-offs (x) | 3.6906% | 3,637 |
| Efficiency ratio | 74.6599% | 2,956 |
| Assets per employee ($millions) | 5.2192% | 1,970 |
| Cash dividends to net income (ytd only)* | 4.0698% | 4,228 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6119% | 3,256 |
| Loan loss allowance to noncurrent loans | 53.4553% | 4,956 |
| Noncurrent assets plus other real estate owned to assets | 4.1748% | 1,011 |
| Noncurrent loans to loans | 3.0154% | 1,722 |
| Net loans and leases to total assets | 83.1318% | 262 |
| Net loans and leases to deposits | 95.7892% | 630 |
| Net loans and leases to core deposits | 102.2653% | 878 |
| Total domestic deposits to total assets | 86.7862% | 2,944 |
| Equity capital to assets | 10.3475% | 3,699 |
| Core capital (leverage) ratio | 9.6555% | 3,880 |
| Tier 1 risk-based capital ratio | 10.6608% | 6,495 |
| Total risk-based capital ratio | 11.9136% | 6,451 |
| Memoranda: | ||
| Average total assets | $182,618,000 | 3,278 |
| Average earning assets | $172,203,000 | 3,197 |
| Average equity | $18,996,000 | 3,334 |
| Average total loans | $148,096,000 | 2,600 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7170% | 2,732 |
| Cost of funding earning assets | 0.6022% | 4,625 |
| Net interest margin | 4.1148% | 2,038 |
| Noninterest income to average assets | 0.2556% | 5,736 |
| Noninterest expense to average assets | 3.2459% | 2,434 |
| Loan and lease loss provision to assets | 0.5215% | 1,153 |
| Net operating income to assets | 0.3756% | 5,350 |
| Return on assets (ROA) | 0.3970% | 5,483 |
| Pretax return on assets | 0.3970% | 5,728 |
| Return on Equity (ROE) | 3.8116% | 5,362 |
| Retained earnings to average equity (ytd only) | 3.8116% | 4,204 |
| Net charge-offs to loans | 0.3483% | 2,709 |
| Credit loss provision to net charge-offs | 186.7374% | 1,481 |
| Earnings coverage of net charge-offs (x) | 3.2122% | 3,744 |
| Efficiency ratio | 78.3479% | 2,347 |
| Assets per employee ($millions) | 5.2045% | 1,928 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5413% | 3,767 |
| Loan loss allowance to noncurrent loans | 45.1480% | 5,391 |
| Noncurrent assets plus other real estate owned to assets | 4.0974% | 1,175 |
| Noncurrent loans to loans | 3.4139% | 1,599 |
| Net loans and leases to total assets | 82.1687% | 331 |
| Net loans and leases to deposits | 93.4476% | 830 |
| Net loans and leases to core deposits | 99.8152% | 1,134 |
| Total domestic deposits to total assets | 87.9303% | 2,085 |
| Equity capital to assets | 10.1419% | 4,290 |
| Core capital (leverage) ratio | 9.7969% | 3,822 |
| Tier 1 risk-based capital ratio | 11.0043% | 6,479 |
| Total risk-based capital ratio | 12.2564% | 6,459 |
| Memoranda: | ||
| Average total assets | $179,995,250 | 3,352 |
| Average earning assets | $170,048,000 | 3,265 |
| Average equity | $18,749,500 | 3,398 |
| Average total loans | $144,328,750 | 2,689 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6350% | 3,212 |
| Cost of funding earning assets | 0.6301% | 4,622 |
| Net interest margin | 4.0049% | 2,482 |
| Noninterest income to average assets | 0.2659% | 5,671 |
| Noninterest expense to average assets | 3.2849% | 2,348 |
| Loan and lease loss provision to assets | 0.3785% | 1,731 |
| Net operating income to assets | 0.3830% | 5,276 |
| Return on assets (ROA) | 0.4157% | 5,388 |
| Pretax return on assets | 0.4157% | 5,671 |
| Return on Equity (ROE) | 3.9539% | 5,286 |
| Retained earnings to average equity (ytd only) | 3.9539% | 3,986 |
| Net charge-offs to loans | 0.0442% | 4,760 |
| Credit loss provision to net charge-offs | 1,083.8710% | 308 |
| Earnings coverage of net charge-offs (x) | 21.8065% | 1,329 |
| Efficiency ratio | 81.1804% | 2,005 |
| Assets per employee ($millions) | 5.1491% | 1,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6128% | 3,558 |
| Loan loss allowance to noncurrent loans | 38.6470% | 5,728 |
| Noncurrent assets plus other real estate owned to assets | 4.6022% | 1,063 |
| Noncurrent loans to loans | 4.1731% | 1,313 |
| Net loans and leases to total assets | 78.5897% | 667 |
| Net loans and leases to deposits | 90.4755% | 1,100 |
| Net loans and leases to core deposits | 96.6317% | 1,385 |
| Total domestic deposits to total assets | 86.8630% | 2,852 |
| Equity capital to assets | 10.1592% | 4,109 |
| Core capital (leverage) ratio | 9.9210% | 3,526 |
| Tier 1 risk-based capital ratio | 11.4393% | 6,252 |
| Total risk-based capital ratio | 12.6922% | 6,226 |
| Memoranda: | ||
| Average total assets | $177,539,670 | 3,401 |
| Average earning assets | $167,595,000 | 3,300 |
| Average equity | $18,665,330 | 3,404 |
| Average total loans | $140,317,330 | 2,764 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6563% | 3,234 |
| Cost of funding earning assets | 0.6638% | 4,596 |
| Net interest margin | 3.9925% | 2,541 |
| Noninterest income to average assets | 0.2834% | 5,603 |
| Noninterest expense to average assets | 3.3958% | 2,019 |
| Loan and lease loss provision to assets | 0.3294% | 1,902 |
| Net operating income to assets | 0.3133% | 5,615 |
| Return on assets (ROA) | 0.3801% | 5,532 |
| Pretax return on assets | 0.3801% | 5,783 |
| Return on Equity (ROE) | 3.5518% | 5,487 |
| Retained earnings to average equity (ytd only) | 3.5518% | 4,454 |
| Net charge-offs to loans | 0.0938% | 3,583 |
| Credit loss provision to net charge-offs | 446.8750% | 722 |
| Earnings coverage of net charge-offs (x) | 8.7188% | 1,923 |
| Efficiency ratio | 84.0844% | 1,677 |
| Assets per employee ($millions) | 5.0351% | 2,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5728% | 3,835 |
| Loan loss allowance to noncurrent loans | 37.2117% | 5,789 |
| Noncurrent assets plus other real estate owned to assets | 5.0749% | 1,018 |
| Noncurrent loans to loans | 4.2267% | 1,426 |
| Net loans and leases to total assets | 75.7457% | 829 |
| Net loans and leases to deposits | 87.4533% | 1,236 |
| Net loans and leases to core deposits | 91.2237% | 1,725 |
| Total domestic deposits to total assets | 86.6128% | 3,168 |
| Equity capital to assets | 10.2900% | 3,739 |
| Core capital (leverage) ratio | 10.4970% | 2,755 |
| Tier 1 risk-based capital ratio | 11.6981% | 6,155 |
| Total risk-based capital ratio | 12.9505% | 6,138 |
| Memoranda: | ||
| Average total assets | $173,625,000 | 3,475 |
| Average earning assets | $163,307,000 | 3,384 |
| Average equity | $18,582,000 | 3,410 |
| Average total loans | $136,441,500 | 2,835 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8297% | 3,670 |
| Cost of funding earning assets | 0.7624% | 5,120 |
| Net interest margin | 4.0674% | 2,580 |
| Noninterest income to average assets | 0.2624% | 5,662 |
| Noninterest expense to average assets | 3.2956% | 2,539 |
| Loan and lease loss provision to assets | 0.2428% | 3,779 |
| Net operating income to assets | 0.9107% | 2,556 |
| Return on assets (ROA) | 0.9383% | 2,577 |
| Pretax return on assets | 0.6447% | 4,536 |
| Return on Equity (ROE) | 9.0175% | 2,434 |
| Retained earnings to average equity (ytd only) | 9.0175% | 793 |
| Net charge-offs to loans | 0.0055% | 6,355 |
| Credit loss provision to net charge-offs | 5,671.4286% | 44 |
| Earnings coverage of net charge-offs (x) | 200.8571% | 172 |
| Efficiency ratio | 79.3053% | 2,404 |
| Assets per employee ($millions) | 4.3681% | 3,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5616% | 3,746 |
| Loan loss allowance to noncurrent loans | 42.2430% | 5,469 |
| Noncurrent assets plus other real estate owned to assets | 4.8805% | 1,106 |
| Noncurrent loans to loans | 3.6967% | 1,705 |
| Net loans and leases to total assets | 79.1068% | 595 |
| Net loans and leases to deposits | 92.8188% | 898 |
| Net loans and leases to core deposits | 96.5457% | 1,448 |
| Total domestic deposits to total assets | 85.2272% | 3,733 |
| Equity capital to assets | 11.1527% | 2,841 |
| Core capital (leverage) ratio | 10.7212% | 2,508 |
| Tier 1 risk-based capital ratio | 12.3045% | 5,612 |
| Total risk-based capital ratio | 13.5568% | 5,585 |
| Memoranda: | ||
| Average total assets | $163,491,800 | 3,582 |
| Average earning assets | $156,489,800 | 3,462 |
| Average equity | $17,011,400 | 3,574 |
| Average total loans | $128,411,600 | 3,011 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8027% | 4,006 |
| Cost of funding earning assets | 0.7806% | 5,274 |
| Net interest margin | 4.0221% | 2,823 |
| Noninterest income to average assets | 0.2611% | 5,751 |
| Noninterest expense to average assets | 3.2672% | 2,609 |
| Loan and lease loss provision to assets | 0.2963% | 3,155 |
| Net operating income to assets | 0.5657% | 4,244 |
| Return on assets (ROA) | 0.6025% | 4,253 |
| Pretax return on assets | 0.6025% | 4,803 |
| Return on Equity (ROE) | 5.8986% | 4,067 |
| Retained earnings to average equity (ytd only) | 5.8986% | 2,616 |
| Net charge-offs to loans | 0.0063% | 6,085 |
| Credit loss provision to net charge-offs | 6,033.3333% | 47 |
| Earnings coverage of net charge-offs (x) | 175.4950% | 218 |
| Efficiency ratio | 79.1237% | 2,391 |
| Assets per employee ($millions) | 4.4876% | 2,940 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5408% | 3,913 |
| Loan loss allowance to noncurrent loans | 41.5534% | 5,531 |
| Noncurrent assets plus other real estate owned to assets | 3.4596% | 1,824 |
| Noncurrent loans to loans | 3.7079% | 1,836 |
| Net loans and leases to total assets | 81.0488% | 422 |
| Net loans and leases to deposits | 94.8255% | 769 |
| Net loans and leases to core deposits | 98.1669% | 1,410 |
| Total domestic deposits to total assets | 85.4716% | 3,515 |
| Equity capital to assets | 11.0423% | 3,097 |
| Core capital (leverage) ratio | 10.2178% | 3,173 |
| Tier 1 risk-based capital ratio | 12.0337% | 5,869 |
| Total risk-based capital ratio | 13.2858% | 5,855 |
| Memoranda: | ||
| Average total assets | $162,868,000 | 3,622 |
| Average earning assets | $156,628,750 | 3,489 |
| Average equity | $16,636,250 | 3,636 |
| Average total loans | $127,167,000 | 3,060 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7476% | 4,314 |
| Cost of funding earning assets | 0.7787% | 5,519 |
| Net interest margin | 3.9689% | 2,997 |
| Noninterest income to average assets | 0.2388% | 5,944 |
| Noninterest expense to average assets | 3.3875% | 2,301 |
| Loan and lease loss provision to assets | 0.1555% | 4,367 |
| Net operating income to assets | 0.5095% | 4,458 |
| Return on assets (ROA) | 0.5646% | 4,367 |
| Pretax return on assets | 0.5646% | 4,864 |
| Return on Equity (ROE) | 5.6790% | 4,126 |
| Retained earnings to average equity (ytd only) | 5.6790% | 2,605 |
| Net charge-offs to loans | 0.0112% | 5,696 |
| Credit loss provision to net charge-offs | 1,814.2857% | 186 |
| Earnings coverage of net charge-offs (x) | 77.5714% | 439 |
| Efficiency ratio | 83.5902% | 1,872 |
| Assets per employee ($millions) | 4.4139% | 2,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4005% | 4,563 |
| Loan loss allowance to noncurrent loans | 45.0995% | 5,307 |
| Noncurrent assets plus other real estate owned to assets | 2.8644% | 2,343 |
| Noncurrent loans to loans | 3.1053% | 2,321 |
| Net loans and leases to total assets | 78.1583% | 758 |
| Net loans and leases to deposits | 90.2340% | 1,246 |
| Net loans and leases to core deposits | 93.2900% | 1,987 |
| Total domestic deposits to total assets | 86.6174% | 2,979 |
| Equity capital to assets | 10.0345% | 4,099 |
| Core capital (leverage) ratio | 9.4146% | 4,081 |
| Tier 1 risk-based capital ratio | 11.0902% | 6,452 |
| Total risk-based capital ratio | 12.3405% | 6,447 |
| Memoranda: | ||
| Average total assets | $163,306,670 | 3,625 |
| Average earning assets | $156,921,000 | 3,508 |
| Average equity | $16,235,330 | 3,693 |
| Average total loans | $125,227,670 | 3,117 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7310% | 4,365 |
| Cost of funding earning assets | 0.7898% | 5,614 |
| Net interest margin | 3.9412% | 2,949 |
| Noninterest income to average assets | 0.2449% | 5,937 |
| Noninterest expense to average assets | 3.4464% | 2,153 |
| Loan and lease loss provision to assets | 0.1249% | 4,437 |
| Net operating income to assets | 0.4629% | 4,652 |
| Return on assets (ROA) | 0.5560% | 4,334 |
| Pretax return on assets | 0.5560% | 4,846 |
| Return on Equity (ROE) | 5.6192% | 4,102 |
| Retained earnings to average equity (ytd only) | 5.6192% | 2,839 |
| Net charge-offs to loans | 0.0292% | 4,687 |
| Credit loss provision to net charge-offs | 566.6667% | 658 |
| Earnings coverage of net charge-offs (x) | 26.6667% | 915 |
| Efficiency ratio | 85.4281% | 1,784 |
| Assets per employee ($millions) | 4.5103% | 2,869 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4048% | 4,643 |
| Loan loss allowance to noncurrent loans | 42.2244% | 5,484 |
| Noncurrent assets plus other real estate owned to assets | 3.0227% | 2,288 |
| Noncurrent loans to loans | 3.3271% | 2,257 |
| Net loans and leases to total assets | 74.9931% | 1,180 |
| Net loans and leases to deposits | 86.5523% | 1,643 |
| Net loans and leases to core deposits | 90.8336% | 2,257 |
| Total domestic deposits to total assets | 86.6448% | 3,154 |
| Equity capital to assets | 9.9839% | 3,794 |
| Core capital (leverage) ratio | 9.2650% | 4,177 |
| Tier 1 risk-based capital ratio | 11.3179% | 6,241 |
| Total risk-based capital ratio | 12.5680% | 6,223 |
| Memoranda: | ||
| Average total assets | $163,302,000 | 3,649 |
| Average earning assets | $157,007,500 | 3,520 |
| Average equity | $16,159,000 | 3,698 |
| Average total loans | $123,112,500 | 3,193 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6203% | 6,054 |
| Cost of funding earning assets | 0.9754% | 5,811 |
| Net interest margin | 3.6448% | 4,597 |
| Noninterest income to average assets | 0.2626% | 5,913 |
| Noninterest expense to average assets | 3.1698% | 3,192 |
| Loan and lease loss provision to assets | 0.3948% | 3,749 |
| Net operating income to assets | 0.2097% | 5,244 |
| Return on assets (ROA) | 0.2824% | 5,160 |
| Pretax return on assets | 0.2824% | 5,282 |
| Return on Equity (ROE) | 2.9357% | 4,982 |
| Retained earnings to average equity (ytd only) | 2.9357% | 3,802 |
| Net charge-offs to loans | 0.3437% | 4,294 |
| Credit loss provision to net charge-offs | 163.4328% | 2,124 |
| Earnings coverage of net charge-offs (x) | 2.5025% | 3,863 |
| Efficiency ratio | 83.9834% | 1,922 |
| Assets per employee ($millions) | 4.8304% | 2,383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3795% | 4,615 |
| Loan loss allowance to noncurrent loans | 40.8542% | 5,580 |
| Noncurrent assets plus other real estate owned to assets | 3.0097% | 2,335 |
| Noncurrent loans to loans | 3.3767% | 2,251 |
| Net loans and leases to total assets | 73.6941% | 1,721 |
| Net loans and leases to deposits | 88.5434% | 1,713 |
| Net loans and leases to core deposits | 89.6127% | 2,818 |
| Total domestic deposits to total assets | 83.2293% | 4,697 |
| Equity capital to assets | 9.8074% | 3,988 |
| Core capital (leverage) ratio | 9.0828% | 4,388 |
| Tier 1 risk-based capital ratio | 10.9767% | 6,339 |
| Total risk-based capital ratio | 12.2119% | 6,328 |
| Memoranda: | ||
| Average total assets | $166,414,800 | 3,602 |
| Average earning assets | $160,337,400 | 3,442 |
| Average equity | $16,009,600 | 3,763 |
| Average total loans | $116,958,600 | 3,382 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6288% | 6,259 |
| Cost of funding earning assets | 1.0262% | 5,822 |
| Net interest margin | 3.6026% | 4,862 |
| Noninterest income to average assets | 0.2484% | 6,113 |
| Noninterest expense to average assets | 3.0777% | 3,435 |
| Loan and lease loss provision to assets | 0.4456% | 3,243 |
| Net operating income to assets | 0.1957% | 5,519 |
| Return on assets (ROA) | 0.2651% | 5,461 |
| Pretax return on assets | 0.2651% | 5,578 |
| Return on Equity (ROE) | 2.7692% | 5,318 |
| Retained earnings to average equity (ytd only) | 2.7692% | 4,491 |
| Net charge-offs to loans | 0.3105% | 4,097 |
| Credit loss provision to net charge-offs | 207.4349% | 1,707 |
| Earnings coverage of net charge-offs (x) | 2.9851% | 3,638 |
| Efficiency ratio | 82.7571% | 1,975 |
| Assets per employee ($millions) | 4.9145% | 2,301 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4769% | 4,066 |
| Loan loss allowance to noncurrent loans | 35.3170% | 5,980 |
| Noncurrent assets plus other real estate owned to assets | 3.1749% | 2,264 |
| Noncurrent loans to loans | 4.1818% | 1,754 |
| Net loans and leases to total assets | 68.9482% | 3,003 |
| Net loans and leases to deposits | 81.0558% | 3,252 |
| Net loans and leases to core deposits | 81.9967% | 4,249 |
| Total domestic deposits to total assets | 85.0627% | 3,594 |
| Equity capital to assets | 9.6905% | 4,559 |
| Core capital (leverage) ratio | 8.8723% | 4,888 |
| Tier 1 risk-based capital ratio | 11.2809% | 6,116 |
| Total risk-based capital ratio | 12.5309% | 6,111 |
| Memoranda: | ||
| Average total assets | $166,960,250 | 3,638 |
| Average earning assets | $160,844,250 | 3,481 |
| Average equity | $15,985,250 | 3,811 |
| Average total loans | $115,517,500 | 3,462 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6856% | 6,188 |
| Cost of funding earning assets | 1.0812% | 5,775 |
| Net interest margin | 3.6044% | 4,794 |
| Noninterest income to average assets | 0.2444% | 6,161 |
| Noninterest expense to average assets | 3.0542% | 3,504 |
| Loan and lease loss provision to assets | 0.5224% | 2,699 |
| Net operating income to assets | 0.1390% | 5,755 |
| Return on assets (ROA) | 0.2432% | 5,541 |
| Pretax return on assets | 0.2432% | 5,676 |
| Return on Equity (ROE) | 2.5508% | 5,439 |
| Retained earnings to average equity (ytd only) | 2.5508% | 4,528 |
| Net charge-offs to loans | 0.1756% | 4,559 |
| Credit loss provision to net charge-offs | 431.6832% | 838 |
| Earnings coverage of net charge-offs (x) | 5.4653% | 2,661 |
| Efficiency ratio | 82.1993% | 2,136 |
| Assets per employee ($millions) | 4.7831% | 2,467 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 3,769 |
| Loan loss allowance to noncurrent loans | 32.8942% | 6,174 |
| Noncurrent assets plus other real estate owned to assets | 3.2196% | 2,194 |
| Noncurrent loans to loans | 4.6525% | 1,545 |
| Net loans and leases to total assets | 68.1429% | 3,330 |
| Net loans and leases to deposits | 79.0008% | 3,795 |
| Net loans and leases to core deposits | 82.0894% | 4,406 |
| Total domestic deposits to total assets | 86.2559% | 2,943 |
| Equity capital to assets | 9.5866% | 4,574 |
| Core capital (leverage) ratio | 9.0696% | 4,494 |
| Tier 1 risk-based capital ratio | 11.2675% | 5,978 |
| Total risk-based capital ratio | 12.5179% | 5,963 |
| Memoranda: | ||
| Average total assets | $166,916,330 | 3,651 |
| Average earning assets | $160,748,330 | 3,496 |
| Average equity | $15,916,330 | 3,818 |
| Average total loans | $115,045,330 | 3,509 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6583% | 6,382 |
| Cost of funding earning assets | 1.1086% | 5,860 |
| Net interest margin | 3.5496% | 4,948 |
| Noninterest income to average assets | 0.2568% | 6,094 |
| Noninterest expense to average assets | 3.0335% | 3,549 |
| Loan and lease loss provision to assets | 0.4632% | 2,649 |
| Net operating income to assets | 0.1872% | 5,728 |
| Return on assets (ROA) | 0.1872% | 5,856 |
| Pretax return on assets | 0.1872% | 5,913 |
| Return on Equity (ROE) | 1.9685% | 5,777 |
| Retained earnings to average equity (ytd only) | 1.9685% | 4,954 |
| Net charge-offs to loans | 0.3524% | 2,996 |
| Credit loss provision to net charge-offs | 191.0891% | 1,929 |
| Earnings coverage of net charge-offs (x) | 2.6832% | 3,196 |
| Efficiency ratio | 82.3453% | 2,234 |
| Assets per employee ($millions) | 4.9231% | 2,340 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3283% | 4,785 |
| Loan loss allowance to noncurrent loans | 28.5075% | 6,496 |
| Noncurrent assets plus other real estate owned to assets | 3.2064% | 2,240 |
| Noncurrent loans to loans | 4.6595% | 1,590 |
| Net loans and leases to total assets | 67.8996% | 3,410 |
| Net loans and leases to deposits | 80.3213% | 3,599 |
| Net loans and leases to core deposits | 83.4353% | 4,277 |
| Total domestic deposits to total assets | 84.5350% | 3,880 |
| Equity capital to assets | 9.5314% | 4,483 |
| Core capital (leverage) ratio | 8.9950% | 4,582 |
| Tier 1 risk-based capital ratio | 11.2986% | 5,857 |
| Total risk-based capital ratio | 12.4612% | 5,901 |
| Memoranda: | ||
| Average total assets | $166,669,500 | 3,720 |
| Average earning assets | $160,917,500 | 3,547 |
| Average equity | $15,850,000 | 3,856 |
| Average total loans | $114,642,500 | 3,582 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9796% | 6,498 |
| Cost of funding earning assets | 1.7962% | 4,012 |
| Net interest margin | 3.1833% | 6,149 |
| Noninterest income to average assets | 0.2206% | 6,534 |
| Noninterest expense to average assets | 3.3646% | 2,792 |
| Loan and lease loss provision to assets | 1.4730% | 1,564 |
| Net operating income to assets | -1.5540% | 6,887 |
| Return on assets (ROA) | -1.4694% | 6,846 |
| Pretax return on assets | -1.4673% | 6,681 |
| Return on Equity (ROE) | -14.9148% | 6,932 |
| Retained earnings to average equity (ytd only) | -14.9148% | 6,882 |
| Net charge-offs to loans | 1.7390% | 1,439 |
| Credit loss provision to net charge-offs | 116.1111% | 4,677 |
| Earnings coverage of net charge-offs (x) | -0.0622% | 6,286 |
| Efficiency ratio | 102.4024% | 998 |
| Assets per employee ($millions) | 5.0289% | 2,180 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2603% | 4,987 |
| Loan loss allowance to noncurrent loans | 31.2541% | 6,382 |
| Noncurrent assets plus other real estate owned to assets | 2.7724% | 2,521 |
| Noncurrent loans to loans | 4.0324% | 1,843 |
| Net loans and leases to total assets | 67.8883% | 3,729 |
| Net loans and leases to deposits | 78.3390% | 4,310 |
| Net loans and leases to core deposits | 83.9223% | 5,720 |
| Total domestic deposits to total assets | 86.6596% | 2,675 |
| Equity capital to assets | 9.4881% | 4,426 |
| Core capital (leverage) ratio | 8.9661% | 4,481 |
| Tier 1 risk-based capital ratio | 11.4768% | 5,411 |
| Total risk-based capital ratio | 12.5865% | 5,524 |
| Memoranda: | ||
| Average total assets | $141,890,600 | 4,079 |
| Average earning assets | $136,618,200 | 3,967 |
| Average equity | $13,979,400 | 4,256 |
| Average total loans | $103,507,400 | 3,856 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0315% | 6,507 |
| Cost of funding earning assets | 1.9017% | 3,880 |
| Net interest margin | 3.1298% | 6,235 |
| Noninterest income to average assets | 0.2198% | 6,654 |
| Noninterest expense to average assets | 3.4668% | 2,367 |
| Loan and lease loss provision to assets | 0.7929% | 2,383 |
| Net operating income to assets | -1.0333% | 6,860 |
| Return on assets (ROA) | -1.0146% | 6,855 |
| Pretax return on assets | -1.0127% | 6,695 |
| Return on Equity (ROE) | -10.1836% | 6,908 |
| Retained earnings to average equity (ytd only) | -10.8435% | 6,876 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.3860% | 822 |
| Assets per employee ($millions) | 4.8861% | 2,285 |
| Cash dividends to net income (ytd only)* | -6.4796% | 7,715 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8002% | 2,274 |
| Loan loss allowance to noncurrent loans | 34.7425% | 6,096 |
| Noncurrent assets plus other real estate owned to assets | 3.4917% | 1,907 |
| Noncurrent loans to loans | 5.1816% | 1,244 |
| Net loans and leases to total assets | 66.1734% | 4,393 |
| Net loans and leases to deposits | 76.2739% | 4,992 |
| Net loans and leases to core deposits | 86.8219% | 5,782 |
| Total domestic deposits to total assets | 86.7576% | 2,300 |
| Equity capital to assets | 9.1224% | 5,300 |
| Core capital (leverage) ratio | 9.1883% | 4,354 |
| Tier 1 risk-based capital ratio | 10.9807% | 5,971 |
| Total risk-based capital ratio | 12.2341% | 5,935 |
| Memoranda: | ||
| Average total assets | $135,874,500 | 4,237 |
| Average earning assets | $130,613,500 | 4,092 |
| Average equity | $13,537,750 | 4,407 |
| Average total loans | $100,858,750 | 3,961 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2285% | 5,963 |
| Cost of funding earning assets | 2.0059% | 3,743 |
| Net interest margin | 3.2226% | 5,835 |
| Noninterest income to average assets | 0.1836% | 6,980 |
| Noninterest expense to average assets | 3.6588% | 1,924 |
| Loan and lease loss provision to assets | 0.5651% | 2,760 |
| Net operating income to assets | -0.9528% | 6,939 |
| Return on assets (ROA) | -0.9528% | 6,942 |
| Pretax return on assets | -0.9512% | 6,781 |
| Return on Equity (ROE) | -9.2338% | 6,980 |
| Retained earnings to average equity (ytd only) | -9.6141% | 6,836 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.7986% | 802 |
| Assets per employee ($millions) | 4.1423% | 3,412 |
| Cash dividends to net income (ytd only)* | -4.1186% | 7,799 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4304% | 3,572 |
| Loan loss allowance to noncurrent loans | 48.8817% | 5,084 |
| Noncurrent assets plus other real estate owned to assets | 2.2568% | 2,887 |
| Noncurrent loans to loans | 2.9262% | 2,458 |
| Net loans and leases to total assets | 76.0225% | 2,175 |
| Net loans and leases to deposits | 90.2686% | 2,791 |
| Net loans and leases to core deposits | 108.1588% | 3,595 |
| Total domestic deposits to total assets | 84.2181% | 3,636 |
| Equity capital to assets | 10.9112% | 3,008 |
| Core capital (leverage) ratio | 10.9089% | 2,478 |
| Tier 1 risk-based capital ratio | 12.0823% | 4,846 |
| Total risk-based capital ratio | 13.3409% | 4,761 |
| Memoranda: | ||
| Average total assets | $127,419,330 | 4,444 |
| Average earning assets | $122,138,670 | 4,316 |
| Average equity | $13,147,330 | 4,509 |
| Average total loans | $98,260,330 | 4,054 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3142% | 5,831 |
| Cost of funding earning assets | 2.1352% | 3,494 |
| Net interest margin | 3.1790% | 5,928 |
| Noninterest income to average assets | 0.1792% | 7,016 |
| Noninterest expense to average assets | 3.6129% | 1,838 |
| Loan and lease loss provision to assets | 0.5701% | 2,206 |
| Net operating income to assets | -0.9611% | 7,230 |
| Return on assets (ROA) | -0.9611% | 7,253 |
| Pretax return on assets | -0.9578% | 7,133 |
| Return on Equity (ROE) | -9.6220% | 7,339 |
| Retained earnings to average equity (ytd only) | -9.6220% | 7,076 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 112.0202% | 769 |
| Assets per employee ($millions) | 3.7034% | 4,333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3397% | 3,855 |
| Loan loss allowance to noncurrent loans | 182.7348% | 1,808 |
| Noncurrent assets plus other real estate owned to assets | 0.5750% | 5,748 |
| Noncurrent loans to loans | 0.7332% | 5,596 |
| Net loans and leases to total assets | 77.3754% | 1,957 |
| Net loans and leases to deposits | 92.5269% | 2,509 |
| Net loans and leases to core deposits | 123.0400% | 2,162 |
| Total domestic deposits to total assets | 83.6248% | 3,867 |
| Equity capital to assets | 9.5651% | 4,577 |
| Core capital (leverage) ratio | 9.5425% | 3,933 |
| Tier 1 risk-based capital ratio | 10.3576% | 6,536 |
| Total risk-based capital ratio | 11.5713% | 6,492 |
| Memoranda: | ||
| Average total assets | $122,781,500 | 4,583 |
| Average earning assets | $117,647,000 | 4,438 |
| Average equity | $12,263,500 | 4,765 |
| Average total loans | $94,677,000 | 4,184 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9648% | 7,856 |
| Cost of funding earning assets | 1.9495% | 6,571 |
| Net interest margin | 3.0153% | 6,871 |
| Noninterest income to average assets | 0.2452% | 6,687 |
| Noninterest expense to average assets | 3.8634% | 1,635 |
| Loan and lease loss provision to assets | 0.6092% | 2,384 |
| Net operating income to assets | -1.3314% | 7,406 |
| Return on assets (ROA) | -1.4755% | 7,400 |
| Pretax return on assets | -1.4711% | 7,241 |
| Return on Equity (ROE) | -10.8591% | 7,334 |
| Retained earnings to average equity (ytd only) | -10.8591% | 7,149 |
| Net charge-offs to loans | 0.0688% | 5,785 |
| Credit loss provision to net charge-offs | 1,171.4286% | 385 |
| Earnings coverage of net charge-offs (x) | -13.8000% | 6,920 |
| Efficiency ratio | 122.8153% | 542 |
| Assets per employee ($millions) | 3.6257% | 4,349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2671% | 4,007 |
| Loan loss allowance to noncurrent loans | 93.7908% | 3,635 |
| Noncurrent assets plus other real estate owned to assets | 1.0230% | 4,271 |
| Noncurrent loans to loans | 1.3509% | 3,817 |
| Net loans and leases to total assets | 74.7658% | 2,930 |
| Net loans and leases to deposits | 92.4303% | 3,063 |
| Net loans and leases to core deposits | 122.9335% | 2,403 |
| Total domestic deposits to total assets | 80.8888% | 4,689 |
| Equity capital to assets | 10.4332% | 3,577 |
| Core capital (leverage) ratio | 17.0037% | 699 |
| Tier 1 risk-based capital ratio | 11.2912% | 5,452 |
| Total risk-based capital ratio | 12.4031% | 5,479 |
| Memoranda: | ||
| Average total assets | $67,297,800 | 6,111 |
| Average earning assets | $64,735,800 | 6,002 |
| Average equity | $9,144,400 | 5,691 |
| Average total loans | $50,900,600 | 5,665 |