Home > Icon Bank of Texas > Performance and Condition Ratios
Icon Bank of Texas, Performance and Condition Ratios
| 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 | 5.9838% | 157 |
| Cost of funding earning assets | 0.6168% | 2,361 |
| Net interest margin | 5.3670% | 134 |
| Noninterest income to average assets | 0.4318% | 3,273 |
| Noninterest expense to average assets | 5.0688% | 193 |
| Loan and lease loss provision to assets | 0.0291% | 3,431 |
| Net operating income to assets | 0.2990% | 5,095 |
| Return on assets (ROA) | 0.2971% | 5,092 |
| Pretax return on assets | 0.1590% | 5,226 |
| Return on Equity (ROE) | 3.0741% | 4,993 |
| Retained earnings to average equity (ytd only) | -1.7392% | 5,181 |
| Net charge-offs to loans | 0.0638% | 1,921 |
| Credit loss provision to net charge-offs | 55.9211% | 2,784 |
| Earnings coverage of net charge-offs (x) | 3.6481% | 3,141 |
| Efficiency ratio | 96.3862% | 195 |
| Assets per employee ($millions) | 6.1523% | 1,381 |
| Cash dividends to net income (ytd only)* | 156.5746% | 75 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1500% | 2,902 |
| Loan loss allowance to noncurrent loans | 64.9137% | 4,102 |
| Noncurrent assets plus other real estate owned to assets | 3.1861% | 213 |
| Noncurrent loans to loans | 1.7716% | 874 |
| Net loans and leases to total assets | 84.2781% | 425 |
| Net loans and leases to deposits | 95.0956% | 1,258 |
| Net loans and leases to core deposits | 100.9214% | 1,706 |
| Total domestic deposits to total assets | 88.6246% | 993 |
| Equity capital to assets | 9.7375% | 3,883 |
| Core capital (leverage) ratio | 9.7588% | 3,889 |
| Tier 1 risk-based capital ratio | 10.5036% | 5,237 |
| Total risk-based capital ratio | 11.5685% | 5,214 |
| Memoranda: | ||
| Average total assets | $778,045,250 | 968 |
| Average earning assets | $699,765,250 | 984 |
| Average equity | $75,206,000 | 1,086 |
| Average total loans | $635,090,500 | 856 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8190% | 197 |
| Cost of funding earning assets | 0.5599% | 2,519 |
| Net interest margin | 5.2592% | 152 |
| Noninterest income to average assets | 0.4347% | 3,258 |
| Noninterest expense to average assets | 3.8087% | 663 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.0714% | 2,705 |
| Return on assets (ROA) | 1.0714% | 2,710 |
| Pretax return on assets | 1.3666% | 2,267 |
| Return on Equity (ROE) | 11.1107% | 2,063 |
| Retained earnings to average equity (ytd only) | 3.9199% | 3,647 |
| Net charge-offs to loans | 0.1006% | 1,345 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 16.8801% | 1,982 |
| Efficiency ratio | 73.5936% | 1,777 |
| Assets per employee ($millions) | 5.7827% | 1,648 |
| Cash dividends to net income (ytd only)* | 64.7199% | 1,158 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1504% | 2,978 |
| Loan loss allowance to noncurrent loans | 98.9424% | 3,499 |
| Noncurrent assets plus other real estate owned to assets | 2.9564% | 253 |
| Noncurrent loans to loans | 1.1627% | 1,499 |
| Net loans and leases to total assets | 84.7110% | 380 |
| Net loans and leases to deposits | 97.2478% | 1,018 |
| Net loans and leases to core deposits | 103.1621% | 1,468 |
| Total domestic deposits to total assets | 87.1084% | 1,798 |
| Equity capital to assets | 10.3679% | 3,256 |
| Core capital (leverage) ratio | 10.2421% | 3,300 |
| Tier 1 risk-based capital ratio | 11.1667% | 4,961 |
| Total risk-based capital ratio | 12.2360% | 4,957 |
| Memoranda: | ||
| Average total assets | $783,099,000 | 970 |
| Average earning assets | $705,889,330 | 979 |
| Average equity | $75,512,670 | 1,080 |
| Average total loans | $629,979,330 | 861 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3785% | 349 |
| Cost of funding earning assets | 0.5448% | 2,445 |
| Net interest margin | 4.8337% | 322 |
| Noninterest income to average assets | 0.4305% | 3,236 |
| Noninterest expense to average assets | 3.5577% | 917 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.9889% | 2,895 |
| Return on assets (ROA) | 0.9889% | 2,924 |
| Pretax return on assets | 1.2618% | 2,506 |
| Return on Equity (ROE) | 10.6224% | 2,119 |
| Retained earnings to average equity (ytd only) | 10.6224% | 986 |
| Net charge-offs to loans | 0.1045% | 1,158 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 15.4756% | 1,663 |
| Efficiency ratio | 73.8189% | 1,922 |
| Assets per employee ($millions) | 6.1050% | 1,425 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1954% | 2,832 |
| Loan loss allowance to noncurrent loans | 111.0614% | 3,262 |
| Noncurrent assets plus other real estate owned to assets | 2.7928% | 303 |
| Noncurrent loans to loans | 1.0764% | 1,702 |
| Net loans and leases to total assets | 77.5841% | 1,300 |
| Net loans and leases to deposits | 88.6018% | 1,856 |
| Net loans and leases to core deposits | 99.3664% | 1,734 |
| Total domestic deposits to total assets | 87.5649% | 1,867 |
| Equity capital to assets | 9.3915% | 4,191 |
| Core capital (leverage) ratio | 9.8274% | 3,733 |
| Tier 1 risk-based capital ratio | 11.1908% | 5,032 |
| Total risk-based capital ratio | 12.3171% | 4,998 |
| Memoranda: | ||
| Average total assets | $804,558,500 | 958 |
| Average earning assets | $730,534,500 | 966 |
| Average equity | $74,898,500 | 1,098 |
| Average total loans | $627,813,500 | 870 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5568% | 245 |
| Cost of funding earning assets | 0.5668% | 1,843 |
| Net interest margin | 4.9900% | 241 |
| Noninterest income to average assets | 0.6205% | 2,346 |
| Noninterest expense to average assets | 3.5005% | 1,033 |
| Loan and lease loss provision to assets | 0.0567% | 3,094 |
| Net operating income to assets | 0.9148% | 2,631 |
| Return on assets (ROA) | 0.9148% | 2,660 |
| Pretax return on assets | 1.6143% | 1,255 |
| Return on Equity (ROE) | 10.1266% | 1,833 |
| Retained earnings to average equity (ytd only) | 10.1266% | 335 |
| Net charge-offs to loans | 0.1269% | 1,779 |
| Credit loss provision to net charge-offs | 55.0122% | 3,275 |
| Earnings coverage of net charge-offs (x) | 16.2017% | 2,196 |
| Efficiency ratio | 67.6882% | 2,956 |
| Assets per employee ($millions) | 6.4210% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2039% | 2,752 |
| Loan loss allowance to noncurrent loans | 46.5489% | 4,554 |
| Noncurrent assets plus other real estate owned to assets | 2.4349% | 392 |
| Noncurrent loans to loans | 2.5864% | 506 |
| Net loans and leases to total assets | 76.6207% | 1,490 |
| Net loans and leases to deposits | 90.4931% | 1,712 |
| Net loans and leases to core deposits | 102.9634% | 1,489 |
| Total domestic deposits to total assets | 84.6703% | 2,961 |
| Equity capital to assets | 9.2292% | 4,500 |
| Core capital (leverage) ratio | 9.7032% | 3,813 |
| Tier 1 risk-based capital ratio | 11.3745% | 4,937 |
| Total risk-based capital ratio | 12.5330% | 4,868 |
| Memoranda: | ||
| Average total assets | $793,109,200 | 939 |
| Average earning assets | $723,346,400 | 950 |
| Average equity | $71,643,200 | 1,111 |
| Average total loans | $644,833,800 | 814 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5949% | 220 |
| Cost of funding earning assets | 0.5766% | 1,700 |
| Net interest margin | 5.0183% | 224 |
| Noninterest income to average assets | 0.6169% | 2,380 |
| Noninterest expense to average assets | 3.6084% | 864 |
| Loan and lease loss provision to assets | 0.0593% | 2,892 |
| Net operating income to assets | 1.0001% | 2,554 |
| Return on assets (ROA) | 1.0001% | 2,606 |
| Pretax return on assets | 1.5190% | 1,709 |
| Return on Equity (ROE) | 11.1336% | 1,639 |
| Retained earnings to average equity (ytd only) | 11.1336% | 397 |
| Net charge-offs to loans | 0.0226% | 3,012 |
| Credit loss provision to net charge-offs | 318.1818% | 941 |
| Earnings coverage of net charge-offs (x) | 84.7472% | 779 |
| Efficiency ratio | 69.5708% | 2,607 |
| Assets per employee ($millions) | 6.3777% | 1,264 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2586% | 2,588 |
| Loan loss allowance to noncurrent loans | 59.9227% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 2.1205% | 592 |
| Noncurrent loans to loans | 2.1003% | 786 |
| Net loans and leases to total assets | 80.2721% | 946 |
| Net loans and leases to deposits | 93.5409% | 1,347 |
| Net loans and leases to core deposits | 106.0832% | 1,266 |
| Total domestic deposits to total assets | 85.8150% | 2,388 |
| Equity capital to assets | 9.2040% | 4,726 |
| Core capital (leverage) ratio | 9.4877% | 4,183 |
| Tier 1 risk-based capital ratio | 11.0223% | 5,234 |
| Total risk-based capital ratio | 12.2553% | 5,135 |
| Memoranda: | ||
| Average total assets | $787,521,000 | 951 |
| Average earning assets | $717,113,500 | 961 |
| Average equity | $70,738,750 | 1,134 |
| Average total loans | $647,935,500 | 812 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5760% | 221 |
| Cost of funding earning assets | 0.5804% | 1,572 |
| Net interest margin | 4.9956% | 222 |
| Noninterest income to average assets | 0.4204% | 3,561 |
| Noninterest expense to average assets | 3.5287% | 968 |
| Loan and lease loss provision to assets | 0.0767% | 2,448 |
| Net operating income to assets | 0.8921% | 2,951 |
| Return on assets (ROA) | 0.8921% | 3,010 |
| Pretax return on assets | 1.3575% | 2,175 |
| Return on Equity (ROE) | 10.0166% | 2,030 |
| Retained earnings to average equity (ytd only) | 10.0166% | 580 |
| Net charge-offs to loans | 0.0248% | 2,725 |
| Credit loss provision to net charge-offs | 375.0000% | 825 |
| Earnings coverage of net charge-offs (x) | 70.1125% | 841 |
| Efficiency ratio | 71.1010% | 2,496 |
| Assets per employee ($millions) | 6.5972% | 1,097 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2536% | 2,668 |
| Loan loss allowance to noncurrent loans | 54.5309% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 2.0428% | 614 |
| Noncurrent loans to loans | 2.2989% | 691 |
| Net loans and leases to total assets | 78.9763% | 1,095 |
| Net loans and leases to deposits | 96.2843% | 1,047 |
| Net loans and leases to core deposits | 106.8975% | 1,165 |
| Total domestic deposits to total assets | 82.0240% | 3,885 |
| Equity capital to assets | 8.7417% | 5,111 |
| Core capital (leverage) ratio | 9.2172% | 4,469 |
| Tier 1 risk-based capital ratio | 10.6998% | 5,377 |
| Total risk-based capital ratio | 11.9347% | 5,319 |
| Memoranda: | ||
| Average total assets | $782,165,330 | 961 |
| Average earning assets | $711,226,330 | 974 |
| Average equity | $69,664,330 | 1,147 |
| Average total loans | $646,154,330 | 813 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6409% | 193 |
| Cost of funding earning assets | 0.5834% | 1,489 |
| Net interest margin | 5.0575% | 204 |
| Noninterest income to average assets | 0.3177% | 4,283 |
| Noninterest expense to average assets | 3.5665% | 948 |
| Loan and lease loss provision to assets | 0.1309% | 1,464 |
| Net operating income to assets | 0.7961% | 3,239 |
| Return on assets (ROA) | 0.7961% | 3,293 |
| Pretax return on assets | 1.2122% | 2,545 |
| Return on Equity (ROE) | 8.8506% | 2,486 |
| Retained earnings to average equity (ytd only) | 8.8506% | 1,129 |
| Net charge-offs to loans | -0.0287% | 4,912 |
| Credit loss provision to net charge-offs | -543.4783% | 4,269 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.6439% | 2,465 |
| Assets per employee ($millions) | 6.3393% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2822% | 2,627 |
| Loan loss allowance to noncurrent loans | 132.9586% | 3,072 |
| Noncurrent assets plus other real estate owned to assets | 1.0256% | 1,776 |
| Noncurrent loans to loans | 0.9644% | 2,114 |
| Net loans and leases to total assets | 82.4045% | 526 |
| Net loans and leases to deposits | 101.4524% | 519 |
| Net loans and leases to core deposits | 108.4810% | 948 |
| Total domestic deposits to total assets | 81.2248% | 4,359 |
| Equity capital to assets | 8.9866% | 4,815 |
| Core capital (leverage) ratio | 9.1152% | 4,597 |
| Tier 1 risk-based capital ratio | 10.3897% | 5,594 |
| Total risk-based capital ratio | 11.6348% | 5,515 |
| Memoranda: | ||
| Average total assets | $764,224,000 | 980 |
| Average earning assets | $693,865,500 | 994 |
| Average equity | $68,741,000 | 1,153 |
| Average total loans | $642,098,500 | 819 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6244% | 211 |
| Cost of funding earning assets | 0.5452% | 1,743 |
| Net interest margin | 5.0792% | 219 |
| Noninterest income to average assets | 0.5185% | 3,110 |
| Noninterest expense to average assets | 3.4922% | 1,175 |
| Loan and lease loss provision to assets | 1.0826% | 90 |
| Net operating income to assets | 0.3645% | 5,045 |
| Return on assets (ROA) | 0.3687% | 5,117 |
| Pretax return on assets | 0.5652% | 4,884 |
| Return on Equity (ROE) | 4.1602% | 4,779 |
| Retained earnings to average equity (ytd only) | 4.1602% | 2,943 |
| Net charge-offs to loans | 1.0466% | 179 |
| Credit loss provision to net charge-offs | 123.1960% | 2,166 |
| Earnings coverage of net charge-offs (x) | 1.8677% | 3,927 |
| Efficiency ratio | 68.0280% | 3,223 |
| Assets per employee ($millions) | 6.2921% | 1,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2499% | 2,823 |
| Loan loss allowance to noncurrent loans | 131.2397% | 3,080 |
| Noncurrent assets plus other real estate owned to assets | 0.9968% | 1,904 |
| Noncurrent loans to loans | 0.9524% | 2,180 |
| Net loans and leases to total assets | 83.5206% | 430 |
| Net loans and leases to deposits | 103.3161% | 448 |
| Net loans and leases to core deposits | 111.0365% | 831 |
| Total domestic deposits to total assets | 80.8398% | 4,371 |
| Equity capital to assets | 9.0034% | 4,822 |
| Core capital (leverage) ratio | 8.5669% | 5,196 |
| Tier 1 risk-based capital ratio | 10.3059% | 5,659 |
| Total risk-based capital ratio | 11.5237% | 5,608 |
| Memoranda: | ||
| Average total assets | $756,966,400 | 959 |
| Average earning assets | $687,787,000 | 968 |
| Average equity | $67,087,400 | 1,164 |
| Average total loans | $635,606,800 | 785 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5964% | 221 |
| Cost of funding earning assets | 0.5266% | 1,898 |
| Net interest margin | 5.0699% | 223 |
| Noninterest income to average assets | 0.3649% | 4,167 |
| Noninterest expense to average assets | 3.5100% | 1,134 |
| Loan and lease loss provision to assets | 0.6381% | 179 |
| Net operating income to assets | 0.5309% | 4,570 |
| Return on assets (ROA) | 0.5365% | 4,653 |
| Pretax return on assets | 0.8301% | 4,216 |
| Return on Equity (ROE) | 6.0778% | 4,036 |
| Retained earnings to average equity (ytd only) | 6.0778% | 2,141 |
| Net charge-offs to loans | 0.7979% | 223 |
| Credit loss provision to net charge-offs | 95.4198% | 2,451 |
| Earnings coverage of net charge-offs (x) | 2.1827% | 3,608 |
| Efficiency ratio | 70.6291% | 2,803 |
| Assets per employee ($millions) | 6.5196% | 1,090 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9759% | 4,537 |
| Loan loss allowance to noncurrent loans | 75.8475% | 4,133 |
| Noncurrent assets plus other real estate owned to assets | 1.1221% | 1,804 |
| Noncurrent loans to loans | 1.2867% | 1,735 |
| Net loans and leases to total assets | 81.2553% | 724 |
| Net loans and leases to deposits | 101.8037% | 586 |
| Net loans and leases to core deposits | 109.3410% | 961 |
| Total domestic deposits to total assets | 79.8156% | 4,555 |
| Equity capital to assets | 8.7216% | 5,383 |
| Core capital (leverage) ratio | 8.6277% | 5,234 |
| Tier 1 risk-based capital ratio | 10.1857% | 5,740 |
| Total risk-based capital ratio | 11.1284% | 5,788 |
| Memoranda: | ||
| Average total assets | $757,445,250 | 953 |
| Average earning assets | $687,944,000 | 968 |
| Average equity | $66,864,250 | 1,181 |
| Average total loans | $634,857,250 | 781 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6141% | 210 |
| Cost of funding earning assets | 0.4987% | 2,110 |
| Net interest margin | 5.1154% | 204 |
| Noninterest income to average assets | 0.3983% | 3,879 |
| Noninterest expense to average assets | 3.4810% | 1,197 |
| Loan and lease loss provision to assets | 0.5139% | 251 |
| Net operating income to assets | 0.6747% | 3,935 |
| Return on assets (ROA) | 0.6832% | 4,027 |
| Pretax return on assets | 1.0585% | 3,369 |
| Return on Equity (ROE) | 7.7069% | 3,139 |
| Retained earnings to average equity (ytd only) | 7.7069% | 1,287 |
| Net charge-offs to loans | 0.2925% | 814 |
| Credit loss provision to net charge-offs | 208.1081% | 1,260 |
| Earnings coverage of net charge-offs (x) | 6.3146% | 2,760 |
| Efficiency ratio | 69.0625% | 3,139 |
| Assets per employee ($millions) | 6.7236% | 989 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1280% | 3,795 |
| Loan loss allowance to noncurrent loans | 73.1106% | 4,289 |
| Noncurrent assets plus other real estate owned to assets | 1.3674% | 1,444 |
| Noncurrent loans to loans | 1.5429% | 1,397 |
| Net loans and leases to total assets | 82.8893% | 529 |
| Net loans and leases to deposits | 106.9928% | 332 |
| Net loans and leases to core deposits | 115.2735% | 664 |
| Total domestic deposits to total assets | 77.4719% | 5,086 |
| Equity capital to assets | 8.6123% | 5,527 |
| Core capital (leverage) ratio | 8.9788% | 4,853 |
| Tier 1 risk-based capital ratio | 9.7152% | 5,912 |
| Total risk-based capital ratio | 10.7893% | 5,921 |
| Memoranda: | ||
| Average total assets | $749,144,330 | 964 |
| Average earning assets | $679,828,000 | 981 |
| Average equity | $66,408,000 | 1,183 |
| Average total loans | $632,488,330 | 786 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6576% | 200 |
| Cost of funding earning assets | 0.4677% | 2,393 |
| Net interest margin | 5.1899% | 181 |
| Noninterest income to average assets | 0.3259% | 4,403 |
| Noninterest expense to average assets | 3.4946% | 1,189 |
| Loan and lease loss provision to assets | 0.6024% | 178 |
| Net operating income to assets | 0.6025% | 4,168 |
| Return on assets (ROA) | 0.6199% | 4,212 |
| Pretax return on assets | 0.9589% | 3,625 |
| Return on Equity (ROE) | 6.8880% | 3,513 |
| Retained earnings to average equity (ytd only) | 6.8880% | 1,939 |
| Net charge-offs to loans | 0.5189% | 417 |
| Credit loss provision to net charge-offs | 136.9863% | 1,330 |
| Earnings coverage of net charge-offs (x) | 3.4894% | 2,541 |
| Efficiency ratio | 69.4871% | 3,216 |
| Assets per employee ($millions) | 6.4191% | 1,147 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0606% | 4,282 |
| Loan loss allowance to noncurrent loans | 101.2019% | 3,613 |
| Noncurrent assets plus other real estate owned to assets | 0.9720% | 2,279 |
| Noncurrent loans to loans | 1.0480% | 2,298 |
| Net loans and leases to total assets | 84.3877% | 336 |
| Net loans and leases to deposits | 110.6688% | 207 |
| Net loans and leases to core deposits | 120.0925% | 462 |
| Total domestic deposits to total assets | 76.2525% | 5,382 |
| Equity capital to assets | 8.9067% | 5,258 |
| Core capital (leverage) ratio | 9.2236% | 4,571 |
| Tier 1 risk-based capital ratio | 9.7830% | 5,956 |
| Total risk-based capital ratio | 10.7841% | 5,982 |
| Memoranda: | ||
| Average total assets | $730,388,500 | 992 |
| Average earning assets | $661,903,500 | 1,003 |
| Average equity | $65,737,500 | 1,190 |
| Average total loans | $618,986,000 | 802 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8428% | 161 |
| Cost of funding earning assets | 0.4538% | 2,590 |
| Net interest margin | 5.3889% | 149 |
| Noninterest income to average assets | 0.5039% | 3,302 |
| Noninterest expense to average assets | 3.6344% | 1,062 |
| Loan and lease loss provision to assets | 0.2066% | 1,029 |
| Net operating income to assets | 1.0075% | 2,325 |
| Return on assets (ROA) | 1.0242% | 2,320 |
| Pretax return on assets | 1.5507% | 1,405 |
| Return on Equity (ROE) | 11.2830% | 1,518 |
| Retained earnings to average equity (ytd only) | 11.2830% | 315 |
| Net charge-offs to loans | 0.0657% | 2,919 |
| Credit loss provision to net charge-offs | 382.1918% | 784 |
| Earnings coverage of net charge-offs (x) | 32.0411% | 1,390 |
| Efficiency ratio | 67.7237% | 3,616 |
| Assets per employee ($millions) | 6.2821% | 1,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0680% | 4,219 |
| Loan loss allowance to noncurrent loans | 104.4614% | 3,589 |
| Noncurrent assets plus other real estate owned to assets | 0.8875% | 2,451 |
| Noncurrent loans to loans | 1.0224% | 2,294 |
| Net loans and leases to total assets | 83.2819% | 455 |
| Net loans and leases to deposits | 106.3926% | 349 |
| Net loans and leases to core deposits | 114.6591% | 649 |
| Total domestic deposits to total assets | 78.2779% | 5,106 |
| Equity capital to assets | 9.0978% | 5,021 |
| Core capital (leverage) ratio | 8.9919% | 4,893 |
| Tier 1 risk-based capital ratio | 10.1717% | 5,904 |
| Total risk-based capital ratio | 11.1844% | 5,919 |
| Memoranda: | ||
| Average total assets | $675,184,200 | 1,021 |
| Average earning assets | $609,249,600 | 1,030 |
| Average equity | $61,286,800 | 1,232 |
| Average total loans | $555,689,000 | 845 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8314% | 167 |
| Cost of funding earning assets | 0.4563% | 2,626 |
| Net interest margin | 5.3751% | 150 |
| Noninterest income to average assets | 0.4885% | 3,450 |
| Noninterest expense to average assets | 3.7534% | 902 |
| Loan and lease loss provision to assets | 0.1945% | 1,041 |
| Net operating income to assets | 0.8987% | 2,965 |
| Return on assets (ROA) | 0.8987% | 3,053 |
| Pretax return on assets | 1.3803% | 2,097 |
| Return on Equity (ROE) | 9.9070% | 2,142 |
| Retained earnings to average equity (ytd only) | 9.9070% | 647 |
| Net charge-offs to loans | 0.0858% | 2,321 |
| Credit loss provision to net charge-offs | 277.1429% | 1,040 |
| Earnings coverage of net charge-offs (x) | 22.4398% | 1,777 |
| Efficiency ratio | 70.4437% | 3,141 |
| Assets per employee ($millions) | 6.2202% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0296% | 4,588 |
| Loan loss allowance to noncurrent loans | 239.7217% | 1,933 |
| Noncurrent assets plus other real estate owned to assets | 0.3793% | 4,246 |
| Noncurrent loans to loans | 0.4295% | 4,063 |
| Net loans and leases to total assets | 80.3188% | 777 |
| Net loans and leases to deposits | 102.0768% | 541 |
| Net loans and leases to core deposits | 109.4841% | 904 |
| Total domestic deposits to total assets | 78.6846% | 5,054 |
| Equity capital to assets | 8.7064% | 5,572 |
| Core capital (leverage) ratio | 9.0051% | 4,991 |
| Tier 1 risk-based capital ratio | 9.9213% | 6,068 |
| Total risk-based capital ratio | 10.8826% | 6,094 |
| Memoranda: | ||
| Average total assets | $664,939,000 | 1,038 |
| Average earning assets | $598,719,000 | 1,054 |
| Average equity | $60,319,750 | 1,267 |
| Average total loans | $543,892,500 | 868 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9339% | 140 |
| Cost of funding earning assets | 0.4704% | 2,514 |
| Net interest margin | 5.4635% | 129 |
| Noninterest income to average assets | 0.3866% | 4,178 |
| Noninterest expense to average assets | 3.8664% | 799 |
| Loan and lease loss provision to assets | 0.1424% | 1,532 |
| Net operating income to assets | 0.8302% | 3,211 |
| Return on assets (ROA) | 0.8302% | 3,329 |
| Pretax return on assets | 1.2816% | 2,426 |
| Return on Equity (ROE) | 9.0172% | 2,530 |
| Retained earnings to average equity (ytd only) | 9.0172% | 918 |
| Net charge-offs to loans | 0.0351% | 2,970 |
| Credit loss provision to net charge-offs | 494.6237% | 638 |
| Earnings coverage of net charge-offs (x) | 49.4624% | 966 |
| Efficiency ratio | 73.0837% | 2,824 |
| Assets per employee ($millions) | 5.8142% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0357% | 4,682 |
| Loan loss allowance to noncurrent loans | 312.8927% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.3130% | 4,624 |
| Noncurrent loans to loans | 0.3310% | 4,503 |
| Net loans and leases to total assets | 82.5411% | 507 |
| Net loans and leases to deposits | 101.1912% | 584 |
| Net loans and leases to core deposits | 108.5208% | 923 |
| Total domestic deposits to total assets | 81.5694% | 4,426 |
| Equity capital to assets | 9.0921% | 5,153 |
| Core capital (leverage) ratio | 9.1164% | 4,798 |
| Tier 1 risk-based capital ratio | 9.9522% | 6,102 |
| Total risk-based capital ratio | 10.9037% | 6,144 |
| Memoranda: | ||
| Average total assets | $646,072,000 | 1,073 |
| Average earning assets | $579,887,000 | 1,089 |
| Average equity | $59,486,330 | 1,289 |
| Average total loans | $530,003,000 | 897 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7488% | 178 |
| Cost of funding earning assets | 0.4805% | 2,447 |
| Net interest margin | 5.2683% | 165 |
| Noninterest income to average assets | 0.3825% | 4,138 |
| Noninterest expense to average assets | 3.7644% | 917 |
| Loan and lease loss provision to assets | 0.1449% | 1,408 |
| Net operating income to assets | 0.7732% | 3,397 |
| Return on assets (ROA) | 0.7732% | 3,536 |
| Pretax return on assets | 1.1922% | 2,701 |
| Return on Equity (ROE) | 8.3423% | 2,785 |
| Retained earnings to average equity (ytd only) | 8.3423% | 1,438 |
| Net charge-offs to loans | 0.0008% | 3,279 |
| Credit loss provision to net charge-offs | 23,000.0000% | 11 |
| Earnings coverage of net charge-offs (x) | 2,122.0000% | 15 |
| Efficiency ratio | 73.7895% | 2,850 |
| Assets per employee ($millions) | 5.9285% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0715% | 4,655 |
| Loan loss allowance to noncurrent loans | 298.4648% | 1,603 |
| Noncurrent assets plus other real estate owned to assets | 0.6771% | 3,456 |
| Noncurrent loans to loans | 0.3590% | 4,519 |
| Net loans and leases to total assets | 78.3961% | 871 |
| Net loans and leases to deposits | 96.1618% | 819 |
| Net loans and leases to core deposits | 102.5325% | 1,142 |
| Total domestic deposits to total assets | 81.5252% | 4,666 |
| Equity capital to assets | 8.9597% | 5,341 |
| Core capital (leverage) ratio | 9.4641% | 4,330 |
| Tier 1 risk-based capital ratio | 10.4113% | 6,046 |
| Total risk-based capital ratio | 11.4070% | 6,067 |
| Memoranda: | ||
| Average total assets | $634,789,000 | 1,097 |
| Average earning assets | $568,606,500 | 1,116 |
| Average equity | $58,833,000 | 1,302 |
| Average total loans | $516,166,000 | 913 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1280% | 132 |
| Cost of funding earning assets | 0.5730% | 2,019 |
| Net interest margin | 5.5550% | 121 |
| Noninterest income to average assets | 0.3868% | 4,281 |
| Noninterest expense to average assets | 3.7884% | 1,004 |
| Loan and lease loss provision to assets | 0.1239% | 2,115 |
| Net operating income to assets | 0.9020% | 2,861 |
| Return on assets (ROA) | 0.9020% | 2,949 |
| Pretax return on assets | 1.3988% | 1,891 |
| Return on Equity (ROE) | 9.6016% | 2,298 |
| Retained earnings to average equity (ytd only) | 9.6016% | 583 |
| Net charge-offs to loans | 0.0258% | 4,305 |
| Credit loss provision to net charge-offs | 598.3607% | 448 |
| Earnings coverage of net charge-offs (x) | 73.5164% | 683 |
| Efficiency ratio | 71.3295% | 3,322 |
| Assets per employee ($millions) | 5.7131% | 1,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0686% | 4,704 |
| Loan loss allowance to noncurrent loans | 284.5345% | 1,701 |
| Noncurrent assets plus other real estate owned to assets | 0.7484% | 3,338 |
| Noncurrent loans to loans | 0.3756% | 4,517 |
| Net loans and leases to total assets | 82.6870% | 463 |
| Net loans and leases to deposits | 96.9161% | 838 |
| Net loans and leases to core deposits | 103.2362% | 1,172 |
| Total domestic deposits to total assets | 85.3181% | 3,155 |
| Equity capital to assets | 9.6063% | 4,583 |
| Core capital (leverage) ratio | 9.3362% | 4,483 |
| Tier 1 risk-based capital ratio | 10.8125% | 5,986 |
| Total risk-based capital ratio | 11.8260% | 6,013 |
| Memoranda: | ||
| Average total assets | $589,006,400 | 1,124 |
| Average earning assets | $522,142,600 | 1,168 |
| Average equity | $55,334,600 | 1,320 |
| Average total loans | $472,400,200 | 942 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0438% | 149 |
| Cost of funding earning assets | 0.5866% | 1,954 |
| Net interest margin | 5.4571% | 147 |
| Noninterest income to average assets | 0.3967% | 4,273 |
| Noninterest expense to average assets | 3.7975% | 977 |
| Loan and lease loss provision to assets | 0.1208% | 2,062 |
| Net operating income to assets | 0.8435% | 3,214 |
| Return on assets (ROA) | 0.8435% | 3,306 |
| Pretax return on assets | 1.3049% | 2,355 |
| Return on Equity (ROE) | 9.0311% | 2,665 |
| Retained earnings to average equity (ytd only) | 9.0311% | 991 |
| Net charge-offs to loans | 0.0348% | 3,794 |
| Credit loss provision to net charge-offs | 438.0165% | 646 |
| Earnings coverage of net charge-offs (x) | 51.6857% | 958 |
| Efficiency ratio | 72.7043% | 3,062 |
| Assets per employee ($millions) | 5.8979% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0813% | 4,836 |
| Loan loss allowance to noncurrent loans | 270.9308% | 1,680 |
| Noncurrent assets plus other real estate owned to assets | 0.7444% | 3,579 |
| Noncurrent loans to loans | 0.3991% | 4,711 |
| Net loans and leases to total assets | 76.2360% | 1,189 |
| Net loans and leases to deposits | 88.7686% | 1,580 |
| Net loans and leases to core deposits | 95.2384% | 1,738 |
| Total domestic deposits to total assets | 85.8817% | 2,911 |
| Equity capital to assets | 9.0590% | 5,293 |
| Core capital (leverage) ratio | 9.1276% | 4,884 |
| Tier 1 risk-based capital ratio | 11.2435% | 5,895 |
| Total risk-based capital ratio | 12.2882% | 5,930 |
| Memoranda: | ||
| Average total assets | $584,860,250 | 1,139 |
| Average earning assets | $517,281,750 | 1,189 |
| Average equity | $54,624,500 | 1,346 |
| Average total loans | $463,961,750 | 960 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1142% | 134 |
| Cost of funding earning assets | 0.6002% | 1,894 |
| Net interest margin | 5.5140% | 133 |
| Noninterest income to average assets | 0.3045% | 4,966 |
| Noninterest expense to average assets | 3.8445% | 916 |
| Loan and lease loss provision to assets | 0.1505% | 1,636 |
| Net operating income to assets | 0.7560% | 3,538 |
| Return on assets (ROA) | 0.7560% | 3,640 |
| Pretax return on assets | 1.1680% | 2,806 |
| Return on Equity (ROE) | 8.0068% | 3,092 |
| Retained earnings to average equity (ytd only) | 8.0068% | 1,330 |
| Net charge-offs to loans | 0.0415% | 3,400 |
| Credit loss provision to net charge-offs | 452.6316% | 630 |
| Earnings coverage of net charge-offs (x) | 39.6526% | 1,068 |
| Efficiency ratio | 74.4627% | 2,899 |
| Assets per employee ($millions) | 5.5838% | 1,622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0835% | 4,973 |
| Loan loss allowance to noncurrent loans | 1,565.8537% | 350 |
| Noncurrent assets plus other real estate owned to assets | 0.9001% | 3,294 |
| Noncurrent loans to loans | 0.0692% | 5,818 |
| Net loans and leases to total assets | 78.4760% | 849 |
| Net loans and leases to deposits | 92.8388% | 1,065 |
| Net loans and leases to core deposits | 100.2251% | 1,266 |
| Total domestic deposits to total assets | 84.5292% | 3,710 |
| Equity capital to assets | 9.2193% | 5,082 |
| Core capital (leverage) ratio | 9.3017% | 4,589 |
| Tier 1 risk-based capital ratio | 11.2763% | 5,921 |
| Total risk-based capital ratio | 12.3383% | 5,949 |
| Memoranda: | ||
| Average total assets | $571,420,000 | 1,156 |
| Average earning assets | $503,483,670 | 1,222 |
| Average equity | $53,954,330 | 1,347 |
| Average total loans | $458,008,000 | 964 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2606% | 105 |
| Cost of funding earning assets | 0.6018% | 1,956 |
| Net interest margin | 5.6588% | 105 |
| Noninterest income to average assets | 0.2557% | 5,311 |
| Noninterest expense to average assets | 3.9126% | 847 |
| Loan and lease loss provision to assets | 0.2364% | 937 |
| Net operating income to assets | 0.7013% | 3,680 |
| Return on assets (ROA) | 0.7013% | 3,760 |
| Pretax return on assets | 1.0910% | 2,954 |
| Return on Equity (ROE) | 7.3346% | 3,294 |
| Retained earnings to average equity (ytd only) | 7.3346% | 1,891 |
| Net charge-offs to loans | 0.0276% | 3,023 |
| Credit loss provision to net charge-offs | 1,064.5161% | 298 |
| Earnings coverage of net charge-offs (x) | 59.7742% | 659 |
| Efficiency ratio | 74.6685% | 3,023 |
| Assets per employee ($millions) | 5.6125% | 1,604 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1034% | 5,103 |
| Loan loss allowance to noncurrent loans | 1,335.0785% | 406 |
| Noncurrent assets plus other real estate owned to assets | 0.7530% | 3,866 |
| Noncurrent loans to loans | 0.0826% | 5,892 |
| Net loans and leases to total assets | 79.0716% | 650 |
| Net loans and leases to deposits | 94.0690% | 785 |
| Net loans and leases to core deposits | 100.9820% | 1,038 |
| Total domestic deposits to total assets | 84.0570% | 4,256 |
| Equity capital to assets | 9.3217% | 4,736 |
| Core capital (leverage) ratio | 9.6527% | 4,058 |
| Tier 1 risk-based capital ratio | 11.1148% | 6,113 |
| Total risk-based capital ratio | 12.1774% | 6,139 |
| Memoranda: | ||
| Average total assets | $558,399,000 | 1,199 |
| Average earning assets | $491,838,500 | 1,264 |
| Average equity | $53,390,500 | 1,362 |
| Average total loans | $450,012,000 | 977 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3172% | 111 |
| Cost of funding earning assets | 0.6295% | 2,394 |
| Net interest margin | 5.6877% | 104 |
| Noninterest income to average assets | 0.3405% | 4,880 |
| Noninterest expense to average assets | 3.8085% | 1,121 |
| Loan and lease loss provision to assets | 0.2214% | 1,647 |
| Net operating income to assets | 0.8782% | 2,889 |
| Return on assets (ROA) | 0.8782% | 2,978 |
| Pretax return on assets | 1.3616% | 1,929 |
| Return on Equity (ROE) | 8.7880% | 2,646 |
| Retained earnings to average equity (ytd only) | 8.7880% | 823 |
| Net charge-offs to loans | 0.0863% | 4,002 |
| Credit loss provision to net charge-offs | 327.2727% | 701 |
| Earnings coverage of net charge-offs (x) | 23.4000% | 1,409 |
| Efficiency ratio | 70.6388% | 3,735 |
| Assets per employee ($millions) | 5.3871% | 1,758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0966% | 5,167 |
| Loan loss allowance to noncurrent loans | 95.3336% | 3,738 |
| Noncurrent assets plus other real estate owned to assets | 1.6801% | 2,194 |
| Noncurrent loans to loans | 1.1502% | 3,238 |
| Net loans and leases to total assets | 80.3809% | 556 |
| Net loans and leases to deposits | 96.9469% | 676 |
| Net loans and leases to core deposits | 103.1525% | 964 |
| Total domestic deposits to total assets | 82.9123% | 4,572 |
| Equity capital to assets | 9.8186% | 4,010 |
| Core capital (leverage) ratio | 9.8839% | 3,724 |
| Tier 1 risk-based capital ratio | 11.5285% | 5,891 |
| Total risk-based capital ratio | 12.5749% | 5,945 |
| Memoranda: | ||
| Average total assets | $487,809,800 | 1,362 |
| Average earning assets | $433,196,800 | 1,404 |
| Average equity | $48,748,400 | 1,449 |
| Average total loans | $382,488,600 | 1,117 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2679% | 124 |
| Cost of funding earning assets | 0.6239% | 2,619 |
| Net interest margin | 5.6440% | 112 |
| Noninterest income to average assets | 0.2902% | 5,373 |
| Noninterest expense to average assets | 3.8577% | 1,017 |
| Loan and lease loss provision to assets | 0.1908% | 1,919 |
| Net operating income to assets | 0.8119% | 3,286 |
| Return on assets (ROA) | 0.8119% | 3,419 |
| Pretax return on assets | 1.2635% | 2,468 |
| Return on Equity (ROE) | 8.0844% | 3,080 |
| Retained earnings to average equity (ytd only) | 8.0844% | 1,377 |
| Net charge-offs to loans | 0.0543% | 4,128 |
| Credit loss provision to net charge-offs | 453.3333% | 587 |
| Earnings coverage of net charge-offs (x) | 34.5458% | 1,111 |
| Efficiency ratio | 72.6226% | 3,296 |
| Assets per employee ($millions) | 5.4191% | 1,710 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1250% | 5,228 |
| Loan loss allowance to noncurrent loans | 4,581.0000% | 139 |
| Noncurrent assets plus other real estate owned to assets | 0.7923% | 4,124 |
| Noncurrent loans to loans | 0.0246% | 6,281 |
| Net loans and leases to total assets | 76.5963% | 919 |
| Net loans and leases to deposits | 93.0399% | 898 |
| Net loans and leases to core deposits | 98.9030% | 1,176 |
| Total domestic deposits to total assets | 82.3263% | 4,817 |
| Equity capital to assets | 9.7948% | 4,192 |
| Core capital (leverage) ratio | 10.5920% | 2,902 |
| Tier 1 risk-based capital ratio | 12.2037% | 5,642 |
| Total risk-based capital ratio | 13.3018% | 5,690 |
| Memoranda: | ||
| Average total assets | $475,083,750 | 1,405 |
| Average earning assets | $422,713,000 | 1,449 |
| Average equity | $47,712,000 | 1,481 |
| Average total loans | $368,654,750 | 1,160 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2383% | 126 |
| Cost of funding earning assets | 0.6386% | 2,602 |
| Net interest margin | 5.5996% | 118 |
| Noninterest income to average assets | 0.2802% | 5,446 |
| Noninterest expense to average assets | 3.9378% | 933 |
| Loan and lease loss provision to assets | 0.2204% | 1,721 |
| Net operating income to assets | 0.7219% | 3,710 |
| Return on assets (ROA) | 0.7219% | 3,880 |
| Pretax return on assets | 1.1278% | 2,983 |
| Return on Equity (ROE) | 7.1211% | 3,537 |
| Retained earnings to average equity (ytd only) | 7.1211% | 1,833 |
| Net charge-offs to loans | 0.0843% | 3,523 |
| Credit loss provision to net charge-offs | 336.6667% | 773 |
| Earnings coverage of net charge-offs (x) | 20.5933% | 1,452 |
| Efficiency ratio | 74.4943% | 3,029 |
| Assets per employee ($millions) | 5.2339% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1844% | 5,070 |
| Loan loss allowance to noncurrent loans | 1,385.5346% | 359 |
| Noncurrent assets plus other real estate owned to assets | 0.8538% | 4,110 |
| Noncurrent loans to loans | 0.0855% | 6,138 |
| Net loans and leases to total assets | 76.3393% | 947 |
| Net loans and leases to deposits | 86.6490% | 1,491 |
| Net loans and leases to core deposits | 91.4475% | 1,766 |
| Total domestic deposits to total assets | 88.1017% | 2,172 |
| Equity capital to assets | 10.4335% | 3,387 |
| Core capital (leverage) ratio | 10.5831% | 2,789 |
| Tier 1 risk-based capital ratio | 12.9718% | 5,163 |
| Total risk-based capital ratio | 14.1094% | 5,180 |
| Memoranda: | ||
| Average total assets | $458,226,000 | 1,452 |
| Average earning assets | $409,634,000 | 1,487 |
| Average equity | $46,453,670 | 1,522 |
| Average total loans | $355,801,330 | 1,197 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2288% | 126 |
| Cost of funding earning assets | 0.6487% | 2,670 |
| Net interest margin | 5.5801% | 112 |
| Noninterest income to average assets | 0.2642% | 5,569 |
| Noninterest expense to average assets | 3.9151% | 978 |
| Loan and lease loss provision to assets | 0.2687% | 1,319 |
| Net operating income to assets | 0.6960% | 3,706 |
| Return on assets (ROA) | 0.6960% | 3,851 |
| Pretax return on assets | 1.0883% | 3,002 |
| Return on Equity (ROE) | 6.9747% | 3,497 |
| Retained earnings to average equity (ytd only) | 6.9747% | 2,158 |
| Net charge-offs to loans | 0.0771% | 3,069 |
| Credit loss provision to net charge-offs | 447.7612% | 595 |
| Earnings coverage of net charge-offs (x) | 22.6119% | 1,130 |
| Efficiency ratio | 74.2610% | 3,225 |
| Assets per employee ($millions) | 5.4461% | 1,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2061% | 5,155 |
| Loan loss allowance to noncurrent loans | 1,342.9467% | 366 |
| Noncurrent assets plus other real estate owned to assets | 0.9002% | 4,135 |
| Noncurrent loans to loans | 0.0898% | 6,207 |
| Net loans and leases to total assets | 75.8014% | 863 |
| Net loans and leases to deposits | 86.0059% | 1,352 |
| Net loans and leases to core deposits | 90.9955% | 1,606 |
| Total domestic deposits to total assets | 88.1352% | 2,236 |
| Equity capital to assets | 10.2809% | 3,821 |
| Core capital (leverage) ratio | 10.6326% | 2,621 |
| Tier 1 risk-based capital ratio | 13.2848% | 5,025 |
| Total risk-based capital ratio | 14.4806% | 5,008 |
| Memoranda: | ||
| Average total assets | $446,581,000 | 1,500 |
| Average earning assets | $400,784,000 | 1,526 |
| Average equity | $44,561,000 | 1,607 |
| Average total loans | $347,706,000 | 1,218 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4937% | 129 |
| Cost of funding earning assets | 0.7933% | 2,721 |
| Net interest margin | 5.7004% | 130 |
| Noninterest income to average assets | 0.4372% | 4,341 |
| Noninterest expense to average assets | 3.9495% | 1,039 |
| Loan and lease loss provision to assets | 0.4389% | 1,449 |
| Net operating income to assets | 0.7691% | 3,419 |
| Return on assets (ROA) | 0.7690% | 3,669 |
| Pretax return on assets | 1.2000% | 2,808 |
| Return on Equity (ROE) | 8.7965% | 2,736 |
| Retained earnings to average equity (ytd only) | 8.0905% | 1,092 |
| Net charge-offs to loans | 0.2732% | 3,292 |
| Credit loss provision to net charge-offs | 207.7103% | 1,229 |
| Earnings coverage of net charge-offs (x) | 7.7570% | 2,533 |
| Efficiency ratio | 70.6701% | 3,681 |
| Assets per employee ($millions) | 5.4462% | 1,739 |
| Cash dividends to net income (ytd only)* | 8.0257% | 4,119 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1907% | 5,157 |
| Loan loss allowance to noncurrent loans | 676.2938% | 630 |
| Noncurrent assets plus other real estate owned to assets | 1.0208% | 3,995 |
| Noncurrent loans to loans | 0.1761% | 6,038 |
| Net loans and leases to total assets | 78.1367% | 657 |
| Net loans and leases to deposits | 88.0513% | 1,267 |
| Net loans and leases to core deposits | 93.3001% | 1,523 |
| Total domestic deposits to total assets | 88.7399% | 1,737 |
| Equity capital to assets | 9.6526% | 4,649 |
| Core capital (leverage) ratio | 9.3945% | 4,262 |
| Tier 1 risk-based capital ratio | 12.1305% | 5,701 |
| Total risk-based capital ratio | 13.3138% | 5,706 |
| Memoranda: | ||
| Average total assets | $405,089,000 | 1,622 |
| Average earning assets | $366,079,800 | 1,635 |
| Average equity | $35,411,800 | 1,953 |
| Average total loans | $313,347,200 | 1,341 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3574% | 166 |
| Cost of funding earning assets | 0.8199% | 2,775 |
| Net interest margin | 5.5375% | 164 |
| Noninterest income to average assets | 0.3243% | 5,188 |
| Noninterest expense to average assets | 3.8836% | 1,082 |
| Loan and lease loss provision to assets | 0.3186% | 2,075 |
| Net operating income to assets | 0.7449% | 3,715 |
| Return on assets (ROA) | 0.7449% | 3,965 |
| Pretax return on assets | 1.1324% | 3,222 |
| Return on Equity (ROE) | 8.7674% | 2,916 |
| Retained earnings to average equity (ytd only) | 7.7836% | 1,713 |
| Net charge-offs to loans | 0.1461% | 3,942 |
| Credit loss provision to net charge-offs | 283.6310% | 956 |
| Earnings coverage of net charge-offs (x) | 12.9166% | 1,960 |
| Efficiency ratio | 72.8002% | 3,187 |
| Assets per employee ($millions) | 5.4766% | 1,661 |
| Cash dividends to net income (ytd only)* | 11.2210% | 3,382 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1587% | 5,481 |
| Loan loss allowance to noncurrent loans | 305.0489% | 1,225 |
| Noncurrent assets plus other real estate owned to assets | 1.2327% | 3,825 |
| Noncurrent loans to loans | 0.3798% | 5,712 |
| Net loans and leases to total assets | 74.8076% | 1,132 |
| Net loans and leases to deposits | 83.2274% | 1,969 |
| Net loans and leases to core deposits | 87.6460% | 2,252 |
| Total domestic deposits to total assets | 89.8833% | 902 |
| Equity capital to assets | 8.1826% | 6,496 |
| Core capital (leverage) ratio | 8.3372% | 5,959 |
| Tier 1 risk-based capital ratio | 10.8628% | 6,537 |
| Total risk-based capital ratio | 12.0269% | 6,551 |
| Memoranda: | ||
| Average total assets | $398,799,750 | 1,657 |
| Average earning assets | $360,830,750 | 1,675 |
| Average equity | $33,882,250 | 2,055 |
| Average total loans | $306,626,250 | 1,381 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4737% | 154 |
| Cost of funding earning assets | 0.8524% | 2,778 |
| Net interest margin | 5.6213% | 154 |
| Noninterest income to average assets | 0.2769% | 5,595 |
| Noninterest expense to average assets | 3.9626% | 995 |
| Loan and lease loss provision to assets | 0.2507% | 2,573 |
| Net operating income to assets | 0.7654% | 3,532 |
| Return on assets (ROA) | 0.7654% | 3,799 |
| Pretax return on assets | 1.1650% | 3,062 |
| Return on Equity (ROE) | 8.8889% | 2,864 |
| Retained earnings to average equity (ytd only) | 7.3975% | 1,916 |
| Net charge-offs to loans | 0.0332% | 4,914 |
| Credit loss provision to net charge-offs | 976.0000% | 340 |
| Earnings coverage of net charge-offs (x) | 55.1200% | 678 |
| Efficiency ratio | 73.6772% | 3,130 |
| Assets per employee ($millions) | 5.2408% | 1,878 |
| Cash dividends to net income (ytd only)* | 16.7785% | 3,090 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1114% | 5,737 |
| Loan loss allowance to noncurrent loans | 194.8116% | 1,754 |
| Noncurrent assets plus other real estate owned to assets | 1.5359% | 3,397 |
| Noncurrent loans to loans | 0.5705% | 5,368 |
| Net loans and leases to total assets | 78.6463% | 657 |
| Net loans and leases to deposits | 87.9409% | 1,369 |
| Net loans and leases to core deposits | 92.7559% | 1,708 |
| Total domestic deposits to total assets | 89.4308% | 1,253 |
| Equity capital to assets | 8.4715% | 6,238 |
| Core capital (leverage) ratio | 8.5108% | 5,642 |
| Tier 1 risk-based capital ratio | 10.7004% | 6,614 |
| Total risk-based capital ratio | 11.8332% | 6,653 |
| Memoranda: | ||
| Average total assets | $389,341,000 | 1,701 |
| Average earning assets | $353,335,330 | 1,706 |
| Average equity | $33,525,000 | 2,061 |
| Average total loans | $301,066,330 | 1,408 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4370% | 171 |
| Cost of funding earning assets | 0.8717% | 2,903 |
| Net interest margin | 5.5652% | 164 |
| Noninterest income to average assets | 0.3118% | 5,389 |
| Noninterest expense to average assets | 4.0215% | 912 |
| Loan and lease loss provision to assets | 0.2700% | 2,298 |
| Net operating income to assets | 0.7189% | 3,787 |
| Return on assets (ROA) | 0.7189% | 4,012 |
| Pretax return on assets | 1.0977% | 3,331 |
| Return on Equity (ROE) | 8.2785% | 3,153 |
| Retained earnings to average equity (ytd only) | 7.0735% | 2,398 |
| Net charge-offs to loans | 0.0289% | 4,287 |
| Credit loss provision to net charge-offs | 1,228.5714% | 289 |
| Earnings coverage of net charge-offs (x) | 62.2381% | 537 |
| Efficiency ratio | 74.6214% | 2,999 |
| Assets per employee ($millions) | 5.3723% | 1,812 |
| Cash dividends to net income (ytd only)* | 14.5560% | 2,451 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1327% | 5,788 |
| Loan loss allowance to noncurrent loans | 227.7402% | 1,461 |
| Noncurrent assets plus other real estate owned to assets | 1.2594% | 4,036 |
| Noncurrent loans to loans | 0.4973% | 5,683 |
| Net loans and leases to total assets | 74.9178% | 931 |
| Net loans and leases to deposits | 83.8988% | 1,673 |
| Net loans and leases to core deposits | 88.5725% | 1,991 |
| Total domestic deposits to total assets | 89.2954% | 1,481 |
| Equity capital to assets | 8.5428% | 6,049 |
| Core capital (leverage) ratio | 8.8770% | 5,026 |
| Tier 1 risk-based capital ratio | 11.7941% | 6,090 |
| Total risk-based capital ratio | 12.9791% | 6,123 |
| Memoranda: | ||
| Average total assets | $382,241,000 | 1,735 |
| Average earning assets | $348,735,500 | 1,733 |
| Average equity | $33,194,500 | 2,084 |
| Average total loans | $291,131,000 | 1,459 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6724% | 146 |
| Cost of funding earning assets | 1.0111% | 3,296 |
| Net interest margin | 5.6614% | 137 |
| Noninterest income to average assets | 0.3368% | 5,120 |
| Noninterest expense to average assets | 4.0412% | 979 |
| Loan and lease loss provision to assets | 0.2969% | 3,289 |
| Net operating income to assets | 0.7203% | 3,387 |
| Return on assets (ROA) | 0.7349% | 3,489 |
| Pretax return on assets | 1.1220% | 2,755 |
| Return on Equity (ROE) | 7.7300% | 3,042 |
| Retained earnings to average equity (ytd only) | 7.7300% | 1,179 |
| Net charge-offs to loans | 0.2280% | 4,364 |
| Credit loss provision to net charge-offs | 169.2708% | 1,589 |
| Earnings coverage of net charge-offs (x) | 7.9601% | 2,232 |
| Efficiency ratio | 74.3195% | 3,172 |
| Assets per employee ($millions) | 5.4751% | 1,662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0976% | 5,821 |
| Loan loss allowance to noncurrent loans | 620.8333% | 577 |
| Noncurrent assets plus other real estate owned to assets | 0.2998% | 6,223 |
| Noncurrent loans to loans | 0.1768% | 6,396 |
| Net loans and leases to total assets | 75.7327% | 983 |
| Net loans and leases to deposits | 85.2297% | 1,774 |
| Net loans and leases to core deposits | 89.8736% | 2,145 |
| Total domestic deposits to total assets | 88.8572% | 1,628 |
| Equity capital to assets | 8.8331% | 5,756 |
| Core capital (leverage) ratio | 9.1692% | 4,515 |
| Tier 1 risk-based capital ratio | 12.1871% | 5,699 |
| Total risk-based capital ratio | 13.3467% | 5,742 |
| Memoranda: | ||
| Average total assets | $328,344,200 | 1,966 |
| Average earning assets | $295,828,600 | 1,982 |
| Average equity | $31,216,000 | 2,120 |
| Average total loans | $252,675,000 | 1,659 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7010% | 151 |
| Cost of funding earning assets | 1.0378% | 3,406 |
| Net interest margin | 5.6632% | 140 |
| Noninterest income to average assets | 0.3580% | 5,002 |
| Noninterest expense to average assets | 4.1194% | 873 |
| Loan and lease loss provision to assets | 0.2017% | 4,003 |
| Net operating income to assets | 0.7286% | 3,470 |
| Return on assets (ROA) | 0.7491% | 3,546 |
| Pretax return on assets | 1.1394% | 2,860 |
| Return on Equity (ROE) | 7.7188% | 3,167 |
| Retained earnings to average equity (ytd only) | 7.7188% | 1,617 |
| Net charge-offs to loans | 0.0065% | 6,076 |
| Credit loss provision to net charge-offs | 4,000.0000% | 81 |
| Earnings coverage of net charge-offs (x) | 259.8269% | 155 |
| Efficiency ratio | 75.8725% | 2,862 |
| Assets per employee ($millions) | 5.0331% | 2,150 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2001% | 5,465 |
| Loan loss allowance to noncurrent loans | 1,150.3597% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.2606% | 6,407 |
| Noncurrent loans to loans | 0.1043% | 6,666 |
| Net loans and leases to total assets | 76.9235% | 845 |
| Net loans and leases to deposits | 87.8552% | 1,450 |
| Net loans and leases to core deposits | 93.6255% | 1,823 |
| Total domestic deposits to total assets | 87.5572% | 2,320 |
| Equity capital to assets | 9.4115% | 5,227 |
| Core capital (leverage) ratio | 9.7041% | 3,843 |
| Tier 1 risk-based capital ratio | 12.8443% | 5,210 |
| Total risk-based capital ratio | 14.0948% | 5,186 |
| Memoranda: | ||
| Average total assets | $317,354,250 | 2,024 |
| Average earning assets | $284,189,250 | 2,071 |
| Average equity | $30,798,500 | 2,150 |
| Average total loans | $244,572,500 | 1,723 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7112% | 161 |
| Cost of funding earning assets | 1.0493% | 3,605 |
| Net interest margin | 5.6618% | 138 |
| Noninterest income to average assets | 0.3863% | 4,785 |
| Noninterest expense to average assets | 4.1928% | 839 |
| Loan and lease loss provision to assets | 0.2038% | 3,885 |
| Net operating income to assets | 0.6776% | 3,654 |
| Return on assets (ROA) | 0.6776% | 3,775 |
| Pretax return on assets | 1.0283% | 3,125 |
| Return on Equity (ROE) | 6.9046% | 3,487 |
| Retained earnings to average equity (ytd only) | 6.9046% | 1,922 |
| Net charge-offs to loans | -0.0194% | 6,815 |
| Credit loss provision to net charge-offs | -1,369.5652% | 6,640 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2874% | 2,813 |
| Assets per employee ($millions) | 4.9684% | 2,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1864% | 5,607 |
| Loan loss allowance to noncurrent loans | 197.4260% | 1,541 |
| Noncurrent assets plus other real estate owned to assets | 0.7092% | 5,490 |
| Noncurrent loans to loans | 0.6009% | 5,715 |
| Net loans and leases to total assets | 80.3627% | 501 |
| Net loans and leases to deposits | 92.4552% | 1,003 |
| Net loans and leases to core deposits | 96.6080% | 1,617 |
| Total domestic deposits to total assets | 86.9208% | 2,784 |
| Equity capital to assets | 9.8900% | 4,287 |
| Core capital (leverage) ratio | 10.1948% | 3,039 |
| Tier 1 risk-based capital ratio | 12.7832% | 5,106 |
| Total risk-based capital ratio | 14.0335% | 5,076 |
| Memoranda: | ||
| Average total assets | $309,054,670 | 2,081 |
| Average earning assets | $275,034,670 | 2,144 |
| Average equity | $30,327,670 | 2,166 |
| Average total loans | $237,273,000 | 1,798 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5508% | 197 |
| Cost of funding earning assets | 1.1192% | 3,385 |
| Net interest margin | 5.4316% | 183 |
| Noninterest income to average assets | 0.5214% | 3,717 |
| Noninterest expense to average assets | 4.2286% | 796 |
| Loan and lease loss provision to assets | 0.0657% | 5,174 |
| Net operating income to assets | 0.6842% | 3,589 |
| Return on assets (ROA) | 0.6842% | 3,654 |
| Pretax return on assets | 1.0388% | 2,991 |
| Return on Equity (ROE) | 7.0009% | 3,378 |
| Retained earnings to average equity (ytd only) | 7.0009% | 2,142 |
| Net charge-offs to loans | 0.0618% | 4,308 |
| Credit loss provision to net charge-offs | 142.8571% | 1,972 |
| Earnings coverage of net charge-offs (x) | 24.0286% | 998 |
| Efficiency ratio | 79.2908% | 2,651 |
| Assets per employee ($millions) | 5.1881% | 1,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2024% | 5,621 |
| Loan loss allowance to noncurrent loans | 2,213.7097% | 195 |
| Noncurrent assets plus other real estate owned to assets | 0.3553% | 6,316 |
| Noncurrent loans to loans | 0.0543% | 6,910 |
| Net loans and leases to total assets | 72.4553% | 1,620 |
| Net loans and leases to deposits | 83.3786% | 2,122 |
| Net loans and leases to core deposits | 90.0868% | 2,337 |
| Total domestic deposits to total assets | 86.8992% | 2,997 |
| Equity capital to assets | 9.7601% | 4,093 |
| Core capital (leverage) ratio | 9.9919% | 3,150 |
| Tier 1 risk-based capital ratio | 14.2509% | 3,906 |
| Total risk-based capital ratio | 15.5011% | 3,870 |
| Memoranda: | ||
| Average total assets | $304,593,500 | 2,126 |
| Average earning assets | $269,828,500 | 2,200 |
| Average equity | $29,767,500 | 2,195 |
| Average total loans | $226,608,000 | 1,884 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9449% | 157 |
| Cost of funding earning assets | 1.4661% | 2,845 |
| Net interest margin | 5.4788% | 176 |
| Noninterest income to average assets | 0.2688% | 5,866 |
| Noninterest expense to average assets | 3.7648% | 1,550 |
| Loan and lease loss provision to assets | 0.1975% | 5,254 |
| Net operating income to assets | 1.0510% | 1,871 |
| Return on assets (ROA) | 1.0761% | 1,871 |
| Pretax return on assets | 1.2009% | 2,224 |
| Return on Equity (ROE) | 11.6344% | 1,409 |
| Retained earnings to average equity (ytd only) | 11.6344% | 307 |
| Net charge-offs to loans | 0.2264% | 4,930 |
| Credit loss provision to net charge-offs | 110.6996% | 3,975 |
| Earnings coverage of net charge-offs (x) | 7.6811% | 2,082 |
| Efficiency ratio | 73.3109% | 3,526 |
| Assets per employee ($millions) | 5.0492% | 2,083 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2137% | 5,446 |
| Loan loss allowance to noncurrent loans | 606.6667% | 553 |
| Noncurrent assets plus other real estate owned to assets | 0.3844% | 6,314 |
| Noncurrent loans to loans | 0.2001% | 6,668 |
| Net loans and leases to total assets | 74.5878% | 1,556 |
| Net loans and leases to deposits | 85.9822% | 2,102 |
| Net loans and leases to core deposits | 94.6429% | 2,180 |
| Total domestic deposits to total assets | 86.7479% | 2,949 |
| Equity capital to assets | 9.7862% | 4,015 |
| Core capital (leverage) ratio | 10.0732% | 3,004 |
| Tier 1 risk-based capital ratio | 13.9256% | 3,915 |
| Total risk-based capital ratio | 15.1761% | 3,886 |
| Memoranda: | ||
| Average total assets | $272,368,400 | 2,343 |
| Average earning assets | $241,932,200 | 2,408 |
| Average equity | $25,192,600 | 2,531 |
| Average total loans | $214,668,400 | 2,019 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0073% | 143 |
| Cost of funding earning assets | 1.5242% | 2,811 |
| Net interest margin | 5.4831% | 180 |
| Noninterest income to average assets | 0.2927% | 5,788 |
| Noninterest expense to average assets | 3.6567% | 1,656 |
| Loan and lease loss provision to assets | 0.1378% | 5,652 |
| Net operating income to assets | 1.3022% | 1,335 |
| Return on assets (ROA) | 1.3379% | 1,336 |
| Pretax return on assets | 1.4136% | 1,844 |
| Return on Equity (ROE) | 14.7034% | 912 |
| Retained earnings to average equity (ytd only) | 14.7034% | 227 |
| Net charge-offs to loans | 0.1647% | 5,002 |
| Credit loss provision to net charge-offs | 104.9618% | 4,082 |
| Earnings coverage of net charge-offs (x) | 11.5269% | 1,788 |
| Efficiency ratio | 70.7222% | 3,931 |
| Assets per employee ($millions) | 5.2032% | 1,932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2449% | 5,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2704% | 6,700 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 73.2647% | 1,962 |
| Net loans and leases to deposits | 84.2830% | 2,654 |
| Net loans and leases to core deposits | 92.2921% | 2,749 |
| Total domestic deposits to total assets | 86.9270% | 2,574 |
| Equity capital to assets | 9.4310% | 4,940 |
| Core capital (leverage) ratio | 9.9116% | 3,343 |
| Tier 1 risk-based capital ratio | 13.5796% | 4,133 |
| Total risk-based capital ratio | 14.8306% | 4,081 |
| Memoranda: | ||
| Average total assets | $265,985,500 | 2,432 |
| Average earning assets | $236,624,500 | 2,497 |
| Average equity | $24,202,500 | 2,684 |
| Average total loans | $212,103,750 | 2,077 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1783% | 124 |
| Cost of funding earning assets | 1.6113% | 2,595 |
| Net interest margin | 5.5670% | 152 |
| Noninterest income to average assets | 0.2842% | 5,866 |
| Noninterest expense to average assets | 3.6183% | 1,737 |
| Loan and lease loss provision to assets | 0.1747% | 5,117 |
| Net operating income to assets | 1.4461% | 1,001 |
| Return on assets (ROA) | 1.4515% | 1,054 |
| Pretax return on assets | 1.4554% | 1,680 |
| Return on Equity (ROE) | 16.1748% | 676 |
| Retained earnings to average equity (ytd only) | 16.1748% | 187 |
| Net charge-offs to loans | 0.0778% | 5,362 |
| Credit loss provision to net charge-offs | 274.3902% | 1,361 |
| Earnings coverage of net charge-offs (x) | 25.5122% | 1,033 |
| Efficiency ratio | 69.0120% | 4,374 |
| Assets per employee ($millions) | 5.2824% | 1,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2906% | 4,980 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 6,680 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 80.0875% | 783 |
| Net loans and leases to deposits | 92.4291% | 1,465 |
| Net loans and leases to core deposits | 102.0856% | 1,818 |
| Total domestic deposits to total assets | 86.6476% | 2,733 |
| Equity capital to assets | 9.2753% | 5,038 |
| Core capital (leverage) ratio | 9.3177% | 4,086 |
| Tier 1 risk-based capital ratio | 11.9957% | 5,315 |
| Total risk-based capital ratio | 13.2473% | 5,281 |
| Memoranda: | ||
| Average total assets | $257,521,000 | 2,532 |
| Average earning assets | $229,385,670 | 2,590 |
| Average equity | $23,110,000 | 2,785 |
| Average total loans | $210,748,670 | 2,113 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0014% | 174 |
| Cost of funding earning assets | 1.6910% | 2,436 |
| Net interest margin | 5.3104% | 240 |
| Noninterest income to average assets | 0.2703% | 5,995 |
| Noninterest expense to average assets | 3.5774% | 1,792 |
| Loan and lease loss provision to assets | 0.1590% | 4,943 |
| Net operating income to assets | 1.2895% | 1,323 |
| Return on assets (ROA) | 1.2942% | 1,386 |
| Pretax return on assets | 1.3022% | 2,044 |
| Return on Equity (ROE) | 14.6859% | 927 |
| Retained earnings to average equity (ytd only) | 14.6859% | 440 |
| Net charge-offs to loans | 0.0445% | 4,970 |
| Credit loss provision to net charge-offs | 434.7826% | 956 |
| Earnings coverage of net charge-offs (x) | 39.8261% | 694 |
| Efficiency ratio | 71.0676% | 4,110 |
| Assets per employee ($millions) | 5.1561% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2903% | 4,984 |
| Loan loss allowance to noncurrent loans | 5,009.0909% | 71 |
| Noncurrent assets plus other real estate owned to assets | 0.3270% | 6,661 |
| Noncurrent loans to loans | 0.0258% | 7,352 |
| Net loans and leases to total assets | 81.7487% | 623 |
| Net loans and leases to deposits | 94.8360% | 1,252 |
| Net loans and leases to core deposits | 105.3249% | 1,635 |
| Total domestic deposits to total assets | 86.2001% | 3,030 |
| Equity capital to assets | 9.0553% | 5,196 |
| Core capital (leverage) ratio | 9.1905% | 4,243 |
| Tier 1 risk-based capital ratio | 11.7014% | 5,493 |
| Total risk-based capital ratio | 12.9534% | 5,443 |
| Memoranda: | ||
| Average total assets | $251,579,500 | 2,640 |
| Average earning assets | $225,670,500 | 2,680 |
| Average equity | $22,171,000 | 2,922 |
| Average total loans | $206,833,000 | 2,211 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0303% | 268 |
| Cost of funding earning assets | 1.7741% | 4,132 |
| Net interest margin | 5.2562% | 260 |
| Noninterest income to average assets | 0.2755% | 6,136 |
| Noninterest expense to average assets | 4.1721% | 1,127 |
| Loan and lease loss provision to assets | 0.8448% | 2,621 |
| Net operating income to assets | 0.0274% | 5,406 |
| Return on assets (ROA) | 0.0562% | 5,371 |
| Pretax return on assets | 0.0584% | 5,302 |
| Return on Equity (ROE) | 0.6040% | 5,355 |
| Retained earnings to average equity (ytd only) | 0.6040% | 4,565 |
| Net charge-offs to loans | 0.0276% | 6,859 |
| Credit loss provision to net charge-offs | 3,795.0000% | 93 |
| Earnings coverage of net charge-offs (x) | 39.2250% | 609 |
| Efficiency ratio | 82.6936% | 2,519 |
| Assets per employee ($millions) | 5.0072% | 2,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3379% | 4,542 |
| Loan loss allowance to noncurrent loans | 4,869.0909% | 96 |
| Noncurrent assets plus other real estate owned to assets | 0.3436% | 6,579 |
| Noncurrent loans to loans | 0.0275% | 7,366 |
| Net loans and leases to total assets | 80.4881% | 911 |
| Net loans and leases to deposits | 93.1593% | 1,717 |
| Net loans and leases to core deposits | 152.7372% | 445 |
| Total domestic deposits to total assets | 86.3984% | 2,816 |
| Equity capital to assets | 8.5579% | 5,799 |
| Core capital (leverage) ratio | 9.0517% | 4,341 |
| Tier 1 risk-based capital ratio | 11.3032% | 5,613 |
| Total risk-based capital ratio | 12.5558% | 5,554 |
| Memoranda: | ||
| Average total assets | $179,692,200 | 3,447 |
| Average earning assets | $163,065,200 | 3,463 |
| Average equity | $16,722,600 | 3,728 |
| Average total loans | $145,152,600 | 3,000 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9550% | 323 |
| Cost of funding earning assets | 1.7513% | 4,627 |
| Net interest margin | 5.2037% | 299 |
| Noninterest income to average assets | 0.2703% | 6,299 |
| Noninterest expense to average assets | 4.4341% | 800 |
| Loan and lease loss provision to assets | 0.9146% | 2,099 |
| Net operating income to assets | -0.3307% | 6,241 |
| Return on assets (ROA) | -0.2932% | 6,206 |
| Pretax return on assets | -0.2923% | 6,094 |
| Return on Equity (ROE) | -3.0577% | 6,251 |
| Retained earnings to average equity (ytd only) | -3.0577% | 5,944 |
| Net charge-offs to loans | 0.0101% | 6,796 |
| Credit loss provision to net charge-offs | 11,200.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 71.6159% | 471 |
| Efficiency ratio | 88.3501% | 1,834 |
| Assets per employee ($millions) | 4.8541% | 2,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2930% | 4,542 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.3775% | 6,530 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 84.4868% | 491 |
| Net loans and leases to deposits | 98.9435% | 1,218 |
| Net loans and leases to core deposits | 160.2350% | 376 |
| Total domestic deposits to total assets | 85.3889% | 3,032 |
| Equity capital to assets | 8.5514% | 6,183 |
| Core capital (leverage) ratio | 9.3782% | 4,076 |
| Tier 1 risk-based capital ratio | 10.8433% | 6,110 |
| Total risk-based capital ratio | 12.0950% | 6,064 |
| Memoranda: | ||
| Average total assets | $163,277,000 | 3,739 |
| Average earning assets | $148,993,250 | 3,742 |
| Average equity | $15,654,000 | 3,974 |
| Average total loans | $131,401,250 | 3,270 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8939% | 385 |
| Cost of funding earning assets | 1.7335% | 5,100 |
| Net interest margin | 5.1604% | 318 |
| Noninterest income to average assets | 0.2511% | 6,489 |
| Noninterest expense to average assets | 4.7540% | 614 |
| Loan and lease loss provision to assets | 1.1747% | 1,464 |
| Net operating income to assets | -0.9789% | 6,964 |
| Return on assets (ROA) | -0.9168% | 6,920 |
| Pretax return on assets | -0.9168% | 6,758 |
| Return on Equity (ROE) | -9.1005% | 6,971 |
| Retained earnings to average equity (ytd only) | -9.1005% | 6,779 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.0447% | 1,372 |
| Assets per employee ($millions) | 4.1207% | 3,450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3972% | 3,740 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.5903% | 5,940 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 82.4456% | 872 |
| Net loans and leases to deposits | 97.5539% | 1,593 |
| Net loans and leases to core deposits | 140.6360% | 984 |
| Total domestic deposits to total assets | 84.5128% | 3,498 |
| Equity capital to assets | 8.3085% | 6,317 |
| Core capital (leverage) ratio | 9.1123% | 4,440 |
| Tier 1 risk-based capital ratio | 10.6103% | 6,276 |
| Total risk-based capital ratio | 11.8634% | 6,210 |
| Memoranda: | ||
| Average total assets | $148,127,670 | 4,027 |
| Average earning assets | $134,872,330 | 4,052 |
| Average equity | $14,922,330 | 4,123 |
| Average total loans | $115,650,000 | 3,634 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4863% | 893 |
| Cost of funding earning assets | 1.7439% | 5,391 |
| Net interest margin | 4.7424% | 702 |
| Noninterest income to average assets | 0.2246% | 6,672 |
| Noninterest expense to average assets | 5.2397% | 418 |
| Loan and lease loss provision to assets | 1.3474% | 950 |
| Net operating income to assets | -2.0390% | 7,672 |
| Return on assets (ROA) | -2.0390% | 7,668 |
| Pretax return on assets | -2.0390% | 7,544 |
| Return on Equity (ROE) | -18.1328% | 7,712 |
| Retained earnings to average equity (ytd only) | -18.1328% | 7,588 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 115.2074% | 709 |
| Assets per employee ($millions) | 3.5434% | 4,720 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4513% | 3,222 |
| Loan loss allowance to noncurrent loans | 231.0924% | 1,452 |
| Noncurrent assets plus other real estate owned to assets | 0.4798% | 6,049 |
| Noncurrent loans to loans | 0.6280% | 5,831 |
| Net loans and leases to total assets | 75.2852% | 2,432 |
| Net loans and leases to deposits | 90.0145% | 2,927 |
| Net loans and leases to core deposits | 122.6865% | 2,192 |
| Total domestic deposits to total assets | 83.6368% | 3,865 |
| Equity capital to assets | 9.8682% | 4,158 |
| Core capital (leverage) ratio | 11.3914% | 2,210 |
| Tier 1 risk-based capital ratio | 11.8516% | 5,081 |
| Total risk-based capital ratio | 13.1025% | 4,987 |
| Memoranda: | ||
| Average total assets | $133,595,500 | 4,332 |
| Average earning assets | $121,795,500 | 4,337 |
| Average equity | $15,022,500 | 4,139 |
| Average total loans | $99,396,500 | 4,053 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9083% | 1,372 |
| Cost of funding earning assets | 1.5281% | 7,565 |
| Net interest margin | 5.3802% | 246 |
| Noninterest income to average assets | 0.2595% | 6,595 |
| Noninterest expense to average assets | 5.4102% | 525 |
| Loan and lease loss provision to assets | 0.7309% | 2,025 |
| Net operating income to assets | -0.9405% | 7,214 |
| Return on assets (ROA) | -0.8284% | 7,061 |
| Pretax return on assets | -0.8284% | 6,895 |
| Return on Equity (ROE) | -4.3517% | 6,790 |
| Retained earnings to average equity (ytd only) | -4.3517% | 6,388 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 104.0290% | 868 |
| Assets per employee ($millions) | 3.3820% | 4,988 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4101% | 3,140 |
| Loan loss allowance to noncurrent loans | 168.0672% | 2,247 |
| Noncurrent assets plus other real estate owned to assets | 0.6032% | 5,389 |
| Noncurrent loans to loans | 0.8390% | 4,955 |
| Net loans and leases to total assets | 70.8817% | 3,819 |
| Net loans and leases to deposits | 89.8828% | 3,476 |
| Net loans and leases to core deposits | 121.4422% | 2,562 |
| Total domestic deposits to total assets | 78.8602% | 5,428 |
| Equity capital to assets | 12.9755% | 1,798 |
| Core capital (leverage) ratio | 14.2703% | 1,200 |
| Tier 1 risk-based capital ratio | 16.7345% | 2,405 |
| Total risk-based capital ratio | 17.9854% | 2,339 |
| Memoranda: | ||
| Average total assets | $82,085,200 | 5,629 |
| Average earning assets | $75,387,800 | 5,614 |
| Average equity | $15,626,200 | 3,997 |
| Average total loans | $60,004,800 | 5,266 |