Home > Integrity Bank, SSB > Performance and Condition Ratios
Integrity Bank, SSB, Performance and Condition Ratios
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2390% | 456 |
| Cost of funding earning assets | 0.6343% | 1,814 |
| Net interest margin | 4.6046% | 495 |
| Noninterest income to average assets | 0.1699% | 5,002 |
| Noninterest expense to average assets | 2.3451% | 4,073 |
| Loan and lease loss provision to assets | 0.4787% | 223 |
| Net operating income to assets | 1.3893% | 1,370 |
| Return on assets (ROA) | 1.3893% | 1,381 |
| Pretax return on assets | 1.7644% | 975 |
| Return on Equity (ROE) | 12.5750% | 1,387 |
| Retained earnings to average equity (ytd only) | 12.5750% | 584 |
| Net charge-offs to loans | 0.0048% | 2,563 |
| Credit loss provision to net charge-offs | 11,375.0000% | 23 |
| Earnings coverage of net charge-offs (x) | 533.0000% | 121 |
| Efficiency ratio | 51.1121% | 5,018 |
| Assets per employee ($millions) | 9.8890% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3003% | 2,247 |
| Loan loss allowance to noncurrent loans | 132.8646% | 2,957 |
| Noncurrent assets plus other real estate owned to assets | 0.8779% | 1,811 |
| Noncurrent loans to loans | 0.9787% | 1,863 |
| Net loans and leases to total assets | 88.5388% | 107 |
| Net loans and leases to deposits | 112.0858% | 205 |
| Net loans and leases to core deposits | 117.4447% | 673 |
| Total domestic deposits to total assets | 78.9920% | 4,581 |
| Equity capital to assets | 11.1946% | 2,391 |
| Core capital (leverage) ratio | 11.1109% | 2,324 |
| Tier 1 risk-based capital ratio | 12.2997% | 4,380 |
| Total risk-based capital ratio | 13.5497% | 4,272 |
| Memoranda: | ||
| Average total assets | $760,386,500 | 1,000 |
| Average earning assets | $729,611,500 | 968 |
| Average equity | $84,008,000 | 995 |
| Average total loans | $672,124,000 | 817 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0057% | 643 |
| Cost of funding earning assets | 0.6659% | 1,209 |
| Net interest margin | 4.3398% | 885 |
| Noninterest income to average assets | 0.2199% | 4,834 |
| Noninterest expense to average assets | 2.4199% | 4,017 |
| Loan and lease loss provision to assets | 0.0835% | 2,534 |
| Net operating income to assets | 1.0809% | 1,928 |
| Return on assets (ROA) | 1.0809% | 1,950 |
| Pretax return on assets | 1.8763% | 639 |
| Return on Equity (ROE) | 10.4170% | 1,710 |
| Retained earnings to average equity (ytd only) | 10.4170% | 296 |
| Net charge-offs to loans | 0.0063% | 3,854 |
| Credit loss provision to net charge-offs | 1,587.5000% | 247 |
| Earnings coverage of net charge-offs (x) | 372.7250% | 233 |
| Efficiency ratio | 55.2551% | 4,838 |
| Assets per employee ($millions) | 9.2600% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 2,733 |
| Loan loss allowance to noncurrent loans | 278.9235% | 1,745 |
| Noncurrent assets plus other real estate owned to assets | 0.3768% | 3,356 |
| Noncurrent loans to loans | 0.4327% | 3,234 |
| Net loans and leases to total assets | 86.0249% | 249 |
| Net loans and leases to deposits | 102.1076% | 600 |
| Net loans and leases to core deposits | 108.1179% | 1,123 |
| Total domestic deposits to total assets | 84.2493% | 3,109 |
| Equity capital to assets | 10.9011% | 2,729 |
| Core capital (leverage) ratio | 10.1926% | 3,203 |
| Tier 1 risk-based capital ratio | 12.2527% | 4,364 |
| Total risk-based capital ratio | 13.4450% | 4,294 |
| Memoranda: | ||
| Average total assets | $760,818,200 | 973 |
| Average earning assets | $729,235,400 | 944 |
| Average equity | $78,948,200 | 1,017 |
| Average total loans | $637,086,800 | 825 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9037% | 753 |
| Cost of funding earning assets | 0.6549% | 1,204 |
| Net interest margin | 4.2487% | 1,047 |
| Noninterest income to average assets | 0.2288% | 4,845 |
| Noninterest expense to average assets | 2.2797% | 4,349 |
| Loan and lease loss provision to assets | 0.0946% | 2,201 |
| Net operating income to assets | 1.2570% | 1,483 |
| Return on assets (ROA) | 1.2571% | 1,510 |
| Pretax return on assets | 1.9227% | 649 |
| Return on Equity (ROE) | 12.2694% | 1,251 |
| Retained earnings to average equity (ytd only) | 12.2694% | 272 |
| Net charge-offs to loans | 0.0087% | 3,418 |
| Credit loss provision to net charge-offs | 1,317.0732% | 276 |
| Earnings coverage of net charge-offs (x) | 280.8539% | 324 |
| Efficiency ratio | 53.0553% | 5,007 |
| Assets per employee ($millions) | 9.8159% | 334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1923% | 2,972 |
| Loan loss allowance to noncurrent loans | 465.1327% | 1,119 |
| Noncurrent assets plus other real estate owned to assets | 0.2106% | 4,233 |
| Noncurrent loans to loans | 0.2563% | 4,042 |
| Net loans and leases to total assets | 81.1740% | 810 |
| Net loans and leases to deposits | 95.9184% | 1,120 |
| Net loans and leases to core deposits | 103.4850% | 1,435 |
| Total domestic deposits to total assets | 84.6282% | 2,870 |
| Equity capital to assets | 10.1665% | 3,735 |
| Core capital (leverage) ratio | 10.2967% | 3,206 |
| Tier 1 risk-based capital ratio | 11.9432% | 4,669 |
| Total risk-based capital ratio | 13.1088% | 4,598 |
| Memoranda: | ||
| Average total assets | $761,193,500 | 975 |
| Average earning assets | $728,826,500 | 946 |
| Average equity | $77,991,750 | 1,036 |
| Average total loans | $631,063,000 | 835 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7950% | 867 |
| Cost of funding earning assets | 0.6301% | 1,266 |
| Net interest margin | 4.1648% | 1,158 |
| Noninterest income to average assets | 0.2553% | 4,708 |
| Noninterest expense to average assets | 2.3018% | 4,343 |
| Loan and lease loss provision to assets | 0.0857% | 2,272 |
| Net operating income to assets | 1.2148% | 1,555 |
| Return on assets (ROA) | 1.2148% | 1,591 |
| Pretax return on assets | 1.8601% | 727 |
| Return on Equity (ROE) | 11.8234% | 1,352 |
| Retained earnings to average equity (ytd only) | 11.8234% | 337 |
| Net charge-offs to loans | 0.0245% | 2,729 |
| Credit loss provision to net charge-offs | 421.0526% | 754 |
| Earnings coverage of net charge-offs (x) | 95.5789% | 677 |
| Efficiency ratio | 54.1906% | 5,002 |
| Assets per employee ($millions) | 9.4182% | 360 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1539% | 3,293 |
| Loan loss allowance to noncurrent loans | 225.5766% | 2,021 |
| Noncurrent assets plus other real estate owned to assets | 0.4379% | 3,361 |
| Noncurrent loans to loans | 0.5116% | 3,224 |
| Net loans and leases to total assets | 84.6172% | 383 |
| Net loans and leases to deposits | 100.7853% | 681 |
| Net loans and leases to core deposits | 109.5371% | 1,025 |
| Total domestic deposits to total assets | 83.9578% | 3,214 |
| Equity capital to assets | 10.2484% | 3,615 |
| Core capital (leverage) ratio | 10.4413% | 2,984 |
| Tier 1 risk-based capital ratio | 11.6773% | 4,850 |
| Total risk-based capital ratio | 12.8192% | 4,804 |
| Memoranda: | ||
| Average total assets | $746,624,330 | 997 |
| Average earning assets | $715,710,670 | 966 |
| Average equity | $76,712,330 | 1,062 |
| Average total loans | $620,999,330 | 848 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6539% | 1,021 |
| Cost of funding earning assets | 0.6015% | 1,360 |
| Net interest margin | 4.0524% | 1,343 |
| Noninterest income to average assets | 0.3233% | 4,234 |
| Noninterest expense to average assets | 2.3375% | 4,303 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2134% | 1,477 |
| Return on assets (ROA) | 1.2134% | 1,513 |
| Pretax return on assets | 1.8638% | 699 |
| Return on Equity (ROE) | 11.7942% | 1,304 |
| Retained earnings to average equity (ytd only) | 11.7942% | 495 |
| Net charge-offs to loans | 0.0246% | 2,266 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 92.4054% | 578 |
| Efficiency ratio | 55.6377% | 4,976 |
| Assets per employee ($millions) | 10.0481% | 298 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2250% | 2,968 |
| Loan loss allowance to noncurrent loans | 771.8487% | 729 |
| Noncurrent assets plus other real estate owned to assets | 0.1247% | 4,763 |
| Noncurrent loans to loans | 0.1587% | 4,550 |
| Net loans and leases to total assets | 77.5837% | 1,190 |
| Net loans and leases to deposits | 92.2421% | 1,305 |
| Net loans and leases to core deposits | 98.7210% | 1,605 |
| Total domestic deposits to total assets | 84.1087% | 3,441 |
| Equity capital to assets | 10.0334% | 3,712 |
| Core capital (leverage) ratio | 10.5961% | 2,792 |
| Tier 1 risk-based capital ratio | 12.2245% | 4,565 |
| Total risk-based capital ratio | 13.4132% | 4,504 |
| Memoranda: | ||
| Average total assets | $733,788,500 | 1,010 |
| Average earning assets | $702,199,500 | 982 |
| Average equity | $75,494,500 | 1,072 |
| Average total loans | $600,937,000 | 879 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6878% | 1,080 |
| Cost of funding earning assets | 0.6107% | 1,272 |
| Net interest margin | 4.0771% | 1,435 |
| Noninterest income to average assets | 0.4974% | 3,256 |
| Noninterest expense to average assets | 2.2948% | 4,573 |
| Loan and lease loss provision to assets | 0.4386% | 331 |
| Net operating income to assets | 1.0646% | 2,066 |
| Return on assets (ROA) | 1.0719% | 2,131 |
| Pretax return on assets | 1.6467% | 1,151 |
| Return on Equity (ROE) | 10.4726% | 1,773 |
| Retained earnings to average equity (ytd only) | 10.4726% | 356 |
| Net charge-offs to loans | -0.0014% | 4,682 |
| Credit loss provision to net charge-offs | -37,687.5000% | 5,529 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5257% | 5,348 |
| Assets per employee ($millions) | 8.9104% | 431 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 2,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 84.4795% | 341 |
| Net loans and leases to deposits | 101.6283% | 561 |
| Net loans and leases to core deposits | 108.5383% | 990 |
| Total domestic deposits to total assets | 83.1259% | 3,730 |
| Equity capital to assets | 10.5649% | 3,084 |
| Core capital (leverage) ratio | 10.3352% | 3,064 |
| Tier 1 risk-based capital ratio | 11.8360% | 4,831 |
| Total risk-based capital ratio | 13.0266% | 4,775 |
| Memoranda: | ||
| Average total assets | $687,367,600 | 1,036 |
| Average earning assets | $652,714,200 | 1,007 |
| Average equity | $70,355,000 | 1,124 |
| Average total loans | $554,622,000 | 895 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6281% | 1,240 |
| Cost of funding earning assets | 0.6021% | 1,307 |
| Net interest margin | 4.0260% | 1,585 |
| Noninterest income to average assets | 0.5084% | 3,193 |
| Noninterest expense to average assets | 2.2801% | 4,582 |
| Loan and lease loss provision to assets | 0.5488% | 212 |
| Net operating income to assets | 0.9683% | 2,578 |
| Return on assets (ROA) | 0.9781% | 2,659 |
| Pretax return on assets | 1.5061% | 1,690 |
| Return on Equity (ROE) | 9.6357% | 2,212 |
| Retained earnings to average equity (ytd only) | 9.6357% | 654 |
| Net charge-offs to loans | -0.0015% | 4,459 |
| Credit loss provision to net charge-offs | -46,866.6667% | 5,480 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7804% | 5,330 |
| Assets per employee ($millions) | 9.3137% | 372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2016% | 3,224 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 81.2656% | 722 |
| Net loans and leases to deposits | 98.0621% | 848 |
| Net loans and leases to core deposits | 106.5308% | 1,144 |
| Total domestic deposits to total assets | 82.8716% | 3,640 |
| Equity capital to assets | 9.9417% | 4,185 |
| Core capital (leverage) ratio | 10.0266% | 3,540 |
| Tier 1 risk-based capital ratio | 11.6221% | 5,023 |
| Total risk-based capital ratio | 12.7971% | 4,974 |
| Memoranda: | ||
| Average total assets | $683,229,750 | 1,043 |
| Average earning assets | $646,846,750 | 1,015 |
| Average equity | $69,351,750 | 1,141 |
| Average total loans | $542,764,500 | 907 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5891% | 1,287 |
| Cost of funding earning assets | 0.5886% | 1,414 |
| Net interest margin | 4.0005% | 1,642 |
| Noninterest income to average assets | 0.3743% | 4,070 |
| Noninterest expense to average assets | 2.2892% | 4,640 |
| Loan and lease loss provision to assets | 0.3193% | 541 |
| Net operating income to assets | 1.0111% | 2,341 |
| Return on assets (ROA) | 1.0253% | 2,411 |
| Pretax return on assets | 1.5828% | 1,420 |
| Return on Equity (ROE) | 9.9949% | 2,054 |
| Retained earnings to average equity (ytd only) | 9.9949% | 600 |
| Net charge-offs to loans | -0.0019% | 4,369 |
| Credit loss provision to net charge-offs | -21,360.0000% | 5,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.9039% | 5,246 |
| Assets per employee ($millions) | 9.4112% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9773% | 4,629 |
| Loan loss allowance to noncurrent loans | 7,548.6111% | 103 |
| Noncurrent assets plus other real estate owned to assets | 0.0102% | 5,580 |
| Noncurrent loans to loans | 0.0129% | 5,440 |
| Net loans and leases to total assets | 78.0191% | 1,202 |
| Net loans and leases to deposits | 91.1705% | 1,609 |
| Net loans and leases to core deposits | 98.4094% | 1,768 |
| Total domestic deposits to total assets | 85.5749% | 2,618 |
| Equity capital to assets | 10.0118% | 4,215 |
| Core capital (leverage) ratio | 10.6558% | 2,786 |
| Tier 1 risk-based capital ratio | 12.3023% | 4,645 |
| Total risk-based capital ratio | 13.2678% | 4,729 |
| Memoranda: | ||
| Average total assets | $669,058,670 | 1,063 |
| Average earning assets | $634,720,330 | 1,034 |
| Average equity | $68,635,330 | 1,151 |
| Average total loans | $524,504,000 | 933 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5750% | 1,327 |
| Cost of funding earning assets | 0.6013% | 1,325 |
| Net interest margin | 3.9737% | 1,696 |
| Noninterest income to average assets | 0.2102% | 5,226 |
| Noninterest expense to average assets | 2.3465% | 4,529 |
| Loan and lease loss provision to assets | 0.3953% | 352 |
| Net operating income to assets | 0.8016% | 3,242 |
| Return on assets (ROA) | 0.8072% | 3,325 |
| Pretax return on assets | 1.2510% | 2,495 |
| Return on Equity (ROE) | 7.7670% | 3,052 |
| Retained earnings to average equity (ytd only) | 7.7670% | 1,557 |
| Net charge-offs to loans | -0.0008% | 4,076 |
| Credit loss provision to net charge-offs | -64,300.0000% | 5,110 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.8952% | 4,887 |
| Assets per employee ($millions) | 8.9291% | 397 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9474% | 4,865 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 80.2981% | 773 |
| Net loans and leases to deposits | 90.3530% | 1,535 |
| Net loans and leases to core deposits | 96.4613% | 1,750 |
| Total domestic deposits to total assets | 88.8716% | 1,171 |
| Equity capital to assets | 10.5021% | 3,494 |
| Core capital (leverage) ratio | 10.6318% | 2,819 |
| Tier 1 risk-based capital ratio | 12.4298% | 4,631 |
| Total risk-based capital ratio | 13.3573% | 4,748 |
| Memoranda: | ||
| Average total assets | $650,668,000 | 1,086 |
| Average earning assets | $617,963,000 | 1,059 |
| Average equity | $67,619,500 | 1,160 |
| Average total loans | $508,693,500 | 963 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7118% | 1,081 |
| Cost of funding earning assets | 0.5980% | 1,365 |
| Net interest margin | 4.1138% | 1,379 |
| Noninterest income to average assets | 0.4368% | 3,769 |
| Noninterest expense to average assets | 2.3772% | 4,568 |
| Loan and lease loss provision to assets | 0.0491% | 3,343 |
| Net operating income to assets | 1.2409% | 1,415 |
| Return on assets (ROA) | 1.2419% | 1,466 |
| Pretax return on assets | 1.9003% | 655 |
| Return on Equity (ROE) | 12.2631% | 1,238 |
| Retained earnings to average equity (ytd only) | 12.2631% | 239 |
| Net charge-offs to loans | 0.1502% | 1,866 |
| Credit loss provision to net charge-offs | 40.9396% | 3,520 |
| Earnings coverage of net charge-offs (x) | 16.2268% | 2,150 |
| Efficiency ratio | 54.9641% | 5,445 |
| Assets per employee ($millions) | 9.0210% | 383 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8921% | 5,110 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 74.6124% | 1,628 |
| Net loans and leases to deposits | 85.0117% | 2,236 |
| Net loans and leases to core deposits | 90.7510% | 2,339 |
| Total domestic deposits to total assets | 87.7673% | 1,765 |
| Equity capital to assets | 10.2822% | 3,644 |
| Core capital (leverage) ratio | 10.5117% | 2,915 |
| Tier 1 risk-based capital ratio | 13.2121% | 4,163 |
| Total risk-based capital ratio | 14.0878% | 4,330 |
| Memoranda: | ||
| Average total assets | $620,637,800 | 1,100 |
| Average earning assets | $586,616,800 | 1,065 |
| Average equity | $62,855,400 | 1,202 |
| Average total loans | $495,870,400 | 947 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7891% | 956 |
| Cost of funding earning assets | 0.6029% | 1,387 |
| Net interest margin | 4.1863% | 1,194 |
| Noninterest income to average assets | 0.3678% | 4,300 |
| Noninterest expense to average assets | 2.4070% | 4,492 |
| Loan and lease loss provision to assets | 0.0663% | 2,857 |
| Net operating income to assets | 1.2063% | 1,632 |
| Return on assets (ROA) | 1.2065% | 1,698 |
| Pretax return on assets | 1.8508% | 804 |
| Return on Equity (ROE) | 11.9618% | 1,388 |
| Retained earnings to average equity (ytd only) | 11.9618% | 371 |
| Net charge-offs to loans | 0.1881% | 1,356 |
| Credit loss provision to net charge-offs | 43.4473% | 3,120 |
| Earnings coverage of net charge-offs (x) | 12.5612% | 2,398 |
| Efficiency ratio | 55.6706% | 5,392 |
| Assets per employee ($millions) | 8.7875% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8940% | 5,221 |
| Loan loss allowance to noncurrent loans | 895.3252% | 639 |
| Noncurrent assets plus other real estate owned to assets | 0.0789% | 5,443 |
| Noncurrent loans to loans | 0.0999% | 5,234 |
| Net loans and leases to total assets | 78.2699% | 1,060 |
| Net loans and leases to deposits | 91.5539% | 1,458 |
| Net loans and leases to core deposits | 97.4040% | 1,754 |
| Total domestic deposits to total assets | 85.4905% | 2,786 |
| Equity capital to assets | 10.3879% | 3,721 |
| Core capital (leverage) ratio | 10.2613% | 3,296 |
| Tier 1 risk-based capital ratio | 12.6910% | 4,619 |
| Total risk-based capital ratio | 13.5690% | 4,778 |
| Memoranda: | ||
| Average total assets | $613,419,500 | 1,117 |
| Average earning assets | $579,659,000 | 1,083 |
| Average equity | $61,873,250 | 1,226 |
| Average total loans | $497,593,500 | 945 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7791% | 929 |
| Cost of funding earning assets | 0.5917% | 1,475 |
| Net interest margin | 4.1873% | 1,127 |
| Noninterest income to average assets | 0.3896% | 4,158 |
| Noninterest expense to average assets | 2.4505% | 4,396 |
| Loan and lease loss provision to assets | 0.0557% | 2,991 |
| Net operating income to assets | 1.2023% | 1,594 |
| Return on assets (ROA) | 1.2028% | 1,672 |
| Pretax return on assets | 1.8402% | 828 |
| Return on Equity (ROE) | 12.0472% | 1,356 |
| Retained earnings to average equity (ytd only) | 12.0472% | 393 |
| Net charge-offs to loans | 0.1751% | 1,409 |
| Credit loss provision to net charge-offs | 38.9016% | 2,830 |
| Earnings coverage of net charge-offs (x) | 13.2265% | 2,147 |
| Efficiency ratio | 56.3872% | 5,395 |
| Assets per employee ($millions) | 8.3279% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8909% | 5,328 |
| Loan loss allowance to noncurrent loans | 890.9627% | 622 |
| Noncurrent assets plus other real estate owned to assets | 0.0815% | 5,545 |
| Noncurrent loans to loans | 0.1000% | 5,342 |
| Net loans and leases to total assets | 80.7766% | 700 |
| Net loans and leases to deposits | 93.6464% | 1,185 |
| Net loans and leases to core deposits | 99.8450% | 1,503 |
| Total domestic deposits to total assets | 86.2570% | 2,555 |
| Equity capital to assets | 10.0396% | 3,996 |
| Core capital (leverage) ratio | 10.1220% | 3,437 |
| Tier 1 risk-based capital ratio | 12.2786% | 4,951 |
| Total risk-based capital ratio | 13.1800% | 5,099 |
| Memoranda: | ||
| Average total assets | $609,922,670 | 1,131 |
| Average earning assets | $576,261,000 | 1,097 |
| Average equity | $60,894,000 | 1,253 |
| Average total loans | $499,211,670 | 938 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8092% | 845 |
| Cost of funding earning assets | 0.5649% | 1,706 |
| Net interest margin | 4.2443% | 986 |
| Noninterest income to average assets | 0.4242% | 3,815 |
| Noninterest expense to average assets | 2.5331% | 4,161 |
| Loan and lease loss provision to assets | 0.0863% | 2,252 |
| Net operating income to assets | 1.1966% | 1,560 |
| Return on assets (ROA) | 1.1975% | 1,656 |
| Pretax return on assets | 1.8308% | 821 |
| Return on Equity (ROE) | 12.0291% | 1,342 |
| Retained earnings to average equity (ytd only) | 12.0291% | 570 |
| Net charge-offs to loans | 0.2832% | 849 |
| Credit loss provision to net charge-offs | 37.1429% | 2,205 |
| Earnings coverage of net charge-offs (x) | 8.2457% | 2,097 |
| Efficiency ratio | 56.9382% | 5,442 |
| Assets per employee ($millions) | 8.1838% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9257% | 5,349 |
| Loan loss allowance to noncurrent loans | 681.8452% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.1080% | 5,523 |
| Noncurrent loans to loans | 0.1358% | 5,291 |
| Net loans and leases to total assets | 78.8461% | 819 |
| Net loans and leases to deposits | 92.2524% | 1,156 |
| Net loans and leases to core deposits | 99.6833% | 1,341 |
| Total domestic deposits to total assets | 85.4679% | 3,192 |
| Equity capital to assets | 9.8026% | 4,384 |
| Core capital (leverage) ratio | 10.1269% | 3,429 |
| Tier 1 risk-based capital ratio | 12.2396% | 5,081 |
| Total risk-based capital ratio | 13.1761% | 5,180 |
| Memoranda: | ||
| Average total assets | $602,589,500 | 1,149 |
| Average earning assets | $571,405,000 | 1,113 |
| Average equity | $59,988,000 | 1,278 |
| Average total loans | $494,289,000 | 951 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9485% | 853 |
| Cost of funding earning assets | 0.6764% | 1,229 |
| Net interest margin | 4.2721% | 1,109 |
| Noninterest income to average assets | 0.5078% | 3,447 |
| Noninterest expense to average assets | 2.4621% | 4,665 |
| Loan and lease loss provision to assets | 0.1334% | 1,962 |
| Net operating income to assets | 1.2360% | 1,479 |
| Return on assets (ROA) | 1.2352% | 1,531 |
| Pretax return on assets | 1.8972% | 649 |
| Return on Equity (ROE) | 12.5584% | 1,251 |
| Retained earnings to average equity (ytd only) | 12.5584% | 258 |
| Net charge-offs to loans | 0.0352% | 4,128 |
| Credit loss provision to net charge-offs | 477.9221% | 546 |
| Earnings coverage of net charge-offs (x) | 72.7727% | 688 |
| Efficiency ratio | 54.7868% | 5,782 |
| Assets per employee ($millions) | 8.1002% | 519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9729% | 5,189 |
| Loan loss allowance to noncurrent loans | 524.8087% | 1,030 |
| Noncurrent assets plus other real estate owned to assets | 0.1569% | 5,396 |
| Noncurrent loans to loans | 0.1854% | 5,168 |
| Net loans and leases to total assets | 83.8112% | 355 |
| Net loans and leases to deposits | 97.4631% | 794 |
| Net loans and leases to core deposits | 104.9601% | 1,079 |
| Total domestic deposits to total assets | 85.9927% | 2,848 |
| Equity capital to assets | 10.1176% | 3,965 |
| Core capital (leverage) ratio | 10.0416% | 3,516 |
| Tier 1 risk-based capital ratio | 12.7504% | 4,885 |
| Total risk-based capital ratio | 13.7994% | 4,929 |
| Memoranda: | ||
| Average total assets | $551,560,000 | 1,210 |
| Average earning assets | $514,639,800 | 1,191 |
| Average equity | $54,250,400 | 1,343 |
| Average total loans | $437,403,200 | 1,009 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8754% | 982 |
| Cost of funding earning assets | 0.6864% | 1,226 |
| Net interest margin | 4.1890% | 1,317 |
| Noninterest income to average assets | 0.5128% | 3,459 |
| Noninterest expense to average assets | 2.4856% | 4,575 |
| Loan and lease loss provision to assets | 0.1410% | 1,771 |
| Net operating income to assets | 1.1510% | 1,863 |
| Return on assets (ROA) | 1.1534% | 1,913 |
| Pretax return on assets | 1.7756% | 929 |
| Return on Equity (ROE) | 11.8175% | 1,527 |
| Retained earnings to average equity (ytd only) | 11.8175% | 430 |
| Net charge-offs to loans | 0.0551% | 3,430 |
| Credit loss provision to net charge-offs | 328.5714% | 849 |
| Earnings coverage of net charge-offs (x) | 44.5710% | 1,051 |
| Efficiency ratio | 56.5096% | 5,613 |
| Assets per employee ($millions) | 8.5468% | 409 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9904% | 5,256 |
| Loan loss allowance to noncurrent loans | 441.2607% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.1725% | 5,507 |
| Noncurrent loans to loans | 0.2244% | 5,224 |
| Net loans and leases to total assets | 76.1126% | 1,209 |
| Net loans and leases to deposits | 86.9218% | 1,798 |
| Net loans and leases to core deposits | 93.9143% | 1,874 |
| Total domestic deposits to total assets | 87.5644% | 2,003 |
| Equity capital to assets | 9.3423% | 4,987 |
| Core capital (leverage) ratio | 10.0129% | 3,664 |
| Tier 1 risk-based capital ratio | 12.9480% | 4,896 |
| Total risk-based capital ratio | 14.0119% | 4,908 |
| Memoranda: | ||
| Average total assets | $543,647,000 | 1,237 |
| Average earning assets | $504,292,750 | 1,228 |
| Average equity | $53,061,250 | 1,383 |
| Average total loans | $423,354,250 | 1,037 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8934% | 918 |
| Cost of funding earning assets | 0.7123% | 1,129 |
| Net interest margin | 4.1811% | 1,291 |
| Noninterest income to average assets | 0.5362% | 3,229 |
| Noninterest expense to average assets | 2.5362% | 4,468 |
| Loan and lease loss provision to assets | 0.0957% | 2,429 |
| Net operating income to assets | 1.1467% | 1,767 |
| Return on assets (ROA) | 1.1504% | 1,832 |
| Pretax return on assets | 1.7674% | 902 |
| Return on Equity (ROE) | 11.5947% | 1,549 |
| Retained earnings to average equity (ytd only) | 11.5947% | 467 |
| Net charge-offs to loans | 0.0137% | 3,964 |
| Credit loss provision to net charge-offs | 892.8571% | 367 |
| Earnings coverage of net charge-offs (x) | 173.3214% | 364 |
| Efficiency ratio | 57.7265% | 5,590 |
| Assets per employee ($millions) | 7.4891% | 633 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0033% | 5,331 |
| Loan loss allowance to noncurrent loans | 362.0212% | 1,270 |
| Noncurrent assets plus other real estate owned to assets | 0.2433% | 5,366 |
| Noncurrent loans to loans | 0.2771% | 5,187 |
| Net loans and leases to total assets | 81.2870% | 543 |
| Net loans and leases to deposits | 93.7737% | 976 |
| Net loans and leases to core deposits | 102.9672% | 1,083 |
| Total domestic deposits to total assets | 86.6842% | 2,644 |
| Equity capital to assets | 9.9286% | 4,205 |
| Core capital (leverage) ratio | 10.2441% | 3,275 |
| Tier 1 risk-based capital ratio | 13.0943% | 4,857 |
| Total risk-based capital ratio | 14.1888% | 4,891 |
| Memoranda: | ||
| Average total assets | $522,589,000 | 1,283 |
| Average earning assets | $482,116,670 | 1,277 |
| Average equity | $51,851,330 | 1,402 |
| Average total loans | $408,976,670 | 1,067 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8436% | 961 |
| Cost of funding earning assets | 0.7375% | 1,032 |
| Net interest margin | 4.1061% | 1,442 |
| Noninterest income to average assets | 0.7078% | 2,138 |
| Noninterest expense to average assets | 2.6383% | 4,155 |
| Loan and lease loss provision to assets | 0.0389% | 3,296 |
| Net operating income to assets | 1.1612% | 1,592 |
| Return on assets (ROA) | 1.1612% | 1,664 |
| Pretax return on assets | 1.7850% | 818 |
| Return on Equity (ROE) | 11.7079% | 1,489 |
| Retained earnings to average equity (ytd only) | 11.7079% | 647 |
| Net charge-offs to loans | 0.0102% | 3,419 |
| Credit loss provision to net charge-offs | 500.0000% | 530 |
| Earnings coverage of net charge-offs (x) | 234.5000% | 212 |
| Efficiency ratio | 59.1250% | 5,521 |
| Assets per employee ($millions) | 7.3940% | 662 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 5,207 |
| Loan loss allowance to noncurrent loans | 568.7583% | 836 |
| Noncurrent assets plus other real estate owned to assets | 0.1447% | 5,811 |
| Noncurrent loans to loans | 0.1899% | 5,526 |
| Net loans and leases to total assets | 75.3966% | 1,075 |
| Net loans and leases to deposits | 85.4730% | 1,665 |
| Net loans and leases to core deposits | 93.8329% | 1,564 |
| Total domestic deposits to total assets | 88.2110% | 2,103 |
| Equity capital to assets | 10.0054% | 3,837 |
| Core capital (leverage) ratio | 10.2762% | 3,192 |
| Tier 1 risk-based capital ratio | 13.3467% | 4,799 |
| Total risk-based capital ratio | 14.4487% | 4,830 |
| Memoranda: | ||
| Average total assets | $514,274,500 | 1,315 |
| Average earning assets | $470,231,000 | 1,312 |
| Average equity | $51,008,500 | 1,418 |
| Average total loans | $392,087,000 | 1,127 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9355% | 1,027 |
| Cost of funding earning assets | 0.7336% | 1,608 |
| Net interest margin | 4.2019% | 1,347 |
| Noninterest income to average assets | 0.5402% | 3,475 |
| Noninterest expense to average assets | 2.5160% | 4,719 |
| Loan and lease loss provision to assets | 0.2392% | 1,517 |
| Net operating income to assets | 1.1338% | 1,820 |
| Return on assets (ROA) | 1.1311% | 1,896 |
| Pretax return on assets | 1.6398% | 1,074 |
| Return on Equity (ROE) | 11.5117% | 1,588 |
| Retained earnings to average equity (ytd only) | 11.5117% | 368 |
| Net charge-offs to loans | 0.1274% | 3,544 |
| Credit loss provision to net charge-offs | 246.0674% | 930 |
| Earnings coverage of net charge-offs (x) | 19.3708% | 1,607 |
| Efficiency ratio | 57.1954% | 5,828 |
| Assets per employee ($millions) | 7.9839% | 476 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0830% | 5,233 |
| Loan loss allowance to noncurrent loans | 614.2649% | 798 |
| Noncurrent assets plus other real estate owned to assets | 0.4096% | 5,026 |
| Noncurrent loans to loans | 0.1763% | 5,670 |
| Net loans and leases to total assets | 75.4364% | 1,163 |
| Net loans and leases to deposits | 84.1517% | 1,920 |
| Net loans and leases to core deposits | 92.3611% | 1,758 |
| Total domestic deposits to total assets | 89.6434% | 1,249 |
| Equity capital to assets | 9.8306% | 3,986 |
| Core capital (leverage) ratio | 10.0794% | 3,462 |
| Tier 1 risk-based capital ratio | 13.0358% | 4,943 |
| Total risk-based capital ratio | 14.1329% | 5,007 |
| Memoranda: | ||
| Average total assets | $457,798,400 | 1,449 |
| Average earning assets | $420,400,200 | 1,448 |
| Average equity | $44,980,200 | 1,553 |
| Average total loans | $349,371,000 | 1,223 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9262% | 1,071 |
| Cost of funding earning assets | 0.7229% | 1,788 |
| Net interest margin | 4.2033% | 1,322 |
| Noninterest income to average assets | 0.5450% | 3,493 |
| Noninterest expense to average assets | 2.5166% | 4,666 |
| Loan and lease loss provision to assets | 0.2829% | 1,223 |
| Net operating income to assets | 1.0464% | 2,197 |
| Return on assets (ROA) | 1.0429% | 2,294 |
| Pretax return on assets | 1.6047% | 1,327 |
| Return on Equity (ROE) | 10.6163% | 1,954 |
| Retained earnings to average equity (ytd only) | 10.6163% | 661 |
| Net charge-offs to loans | 0.0868% | 3,707 |
| Credit loss provision to net charge-offs | 426.6968% | 621 |
| Earnings coverage of net charge-offs (x) | 28.5565% | 1,279 |
| Efficiency ratio | 57.0709% | 5,796 |
| Assets per employee ($millions) | 8.0149% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 5,080 |
| Loan loss allowance to noncurrent loans | 456.1105% | 961 |
| Noncurrent assets plus other real estate owned to assets | 0.4485% | 5,086 |
| Noncurrent loans to loans | 0.2537% | 5,592 |
| Net loans and leases to total assets | 74.9733% | 1,137 |
| Net loans and leases to deposits | 83.7129% | 1,914 |
| Net loans and leases to core deposits | 91.6540% | 1,799 |
| Total domestic deposits to total assets | 89.5600% | 1,253 |
| Equity capital to assets | 9.6989% | 4,302 |
| Core capital (leverage) ratio | 10.0939% | 3,531 |
| Tier 1 risk-based capital ratio | 13.4561% | 4,790 |
| Total risk-based capital ratio | 14.6787% | 4,755 |
| Memoranda: | ||
| Average total assets | $444,506,250 | 1,496 |
| Average earning assets | $408,689,250 | 1,491 |
| Average equity | $43,667,500 | 1,611 |
| Average total loans | $339,295,000 | 1,260 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8978% | 1,105 |
| Cost of funding earning assets | 0.7089% | 2,011 |
| Net interest margin | 4.1890% | 1,304 |
| Noninterest income to average assets | 0.6255% | 3,044 |
| Noninterest expense to average assets | 2.5445% | 4,582 |
| Loan and lease loss provision to assets | 0.2690% | 1,373 |
| Net operating income to assets | 1.0913% | 1,949 |
| Return on assets (ROA) | 1.0859% | 2,086 |
| Pretax return on assets | 1.6625% | 1,201 |
| Return on Equity (ROE) | 11.0003% | 1,808 |
| Retained earnings to average equity (ytd only) | 11.0003% | 643 |
| Net charge-offs to loans | 0.0213% | 4,412 |
| Credit loss provision to net charge-offs | 1,651.4286% | 193 |
| Earnings coverage of net charge-offs (x) | 119.0857% | 406 |
| Efficiency ratio | 56.7410% | 5,873 |
| Assets per employee ($millions) | 8.2578% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1553% | 5,213 |
| Loan loss allowance to noncurrent loans | 94.4866% | 3,597 |
| Noncurrent assets plus other real estate owned to assets | 0.9762% | 3,819 |
| Noncurrent loans to loans | 1.2228% | 3,511 |
| Net loans and leases to total assets | 78.9122% | 645 |
| Net loans and leases to deposits | 88.3756% | 1,297 |
| Net loans and leases to core deposits | 97.1484% | 1,271 |
| Total domestic deposits to total assets | 89.2918% | 1,452 |
| Equity capital to assets | 10.0688% | 3,830 |
| Core capital (leverage) ratio | 10.1728% | 3,274 |
| Tier 1 risk-based capital ratio | 13.4886% | 4,778 |
| Total risk-based capital ratio | 14.7294% | 4,740 |
| Memoranda: | ||
| Average total assets | $429,705,330 | 1,548 |
| Average earning assets | $395,848,670 | 1,538 |
| Average equity | $42,417,000 | 1,662 |
| Average total loans | $328,779,000 | 1,293 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7555% | 1,387 |
| Cost of funding earning assets | 0.6741% | 2,451 |
| Net interest margin | 4.0814% | 1,517 |
| Noninterest income to average assets | 0.6613% | 2,811 |
| Noninterest expense to average assets | 2.4668% | 4,878 |
| Loan and lease loss provision to assets | 0.1499% | 2,372 |
| Net operating income to assets | 1.2202% | 1,478 |
| Return on assets (ROA) | 1.1992% | 1,636 |
| Pretax return on assets | 1.7875% | 903 |
| Return on Equity (ROE) | 12.2790% | 1,354 |
| Retained earnings to average equity (ytd only) | 12.2790% | 661 |
| Net charge-offs to loans | 0.0482% | 3,359 |
| Credit loss provision to net charge-offs | 415.7895% | 624 |
| Earnings coverage of net charge-offs (x) | 54.6053% | 629 |
| Efficiency ratio | 55.6150% | 6,099 |
| Assets per employee ($millions) | 8.6278% | 375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1366% | 5,458 |
| Loan loss allowance to noncurrent loans | 87.0283% | 3,721 |
| Noncurrent assets plus other real estate owned to assets | 0.9829% | 3,965 |
| Noncurrent loans to loans | 1.3061% | 3,603 |
| Net loans and leases to total assets | 74.3995% | 1,025 |
| Net loans and leases to deposits | 85.4000% | 1,428 |
| Net loans and leases to core deposits | 93.3996% | 1,382 |
| Total domestic deposits to total assets | 87.1188% | 2,891 |
| Equity capital to assets | 9.8737% | 4,312 |
| Core capital (leverage) ratio | 10.0381% | 3,325 |
| Tier 1 risk-based capital ratio | 13.7799% | 4,665 |
| Total risk-based capital ratio | 14.9891% | 4,660 |
| Memoranda: | ||
| Average total assets | $421,597,000 | 1,593 |
| Average earning assets | $389,861,500 | 1,569 |
| Average equity | $41,176,000 | 1,740 |
| Average total loans | $315,168,500 | 1,349 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7984% | 2,207 |
| Cost of funding earning assets | 0.7489% | 3,096 |
| Net interest margin | 4.0495% | 2,202 |
| Noninterest income to average assets | 0.6789% | 2,840 |
| Noninterest expense to average assets | 2.7487% | 4,221 |
| Loan and lease loss provision to assets | 0.3959% | 1,645 |
| Net operating income to assets | 0.9564% | 2,515 |
| Return on assets (ROA) | 0.9909% | 2,599 |
| Pretax return on assets | 1.2949% | 2,428 |
| Return on Equity (ROE) | 10.1943% | 2,088 |
| Retained earnings to average equity (ytd only) | 10.1943% | 559 |
| Net charge-offs to loans | 0.0094% | 5,811 |
| Credit loss provision to net charge-offs | 6,217.3913% | 38 |
| Earnings coverage of net charge-offs (x) | 258.4783% | 152 |
| Efficiency ratio | 62.5465% | 5,161 |
| Assets per employee ($millions) | 8.2361% | 454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1678% | 5,272 |
| Loan loss allowance to noncurrent loans | 176.7327% | 2,044 |
| Noncurrent assets plus other real estate owned to assets | 0.4905% | 5,243 |
| Noncurrent loans to loans | 0.6608% | 4,876 |
| Net loans and leases to total assets | 73.3662% | 1,277 |
| Net loans and leases to deposits | 86.5993% | 1,430 |
| Net loans and leases to core deposits | 93.0879% | 1,547 |
| Total domestic deposits to total assets | 84.7192% | 3,982 |
| Equity capital to assets | 9.6546% | 4,645 |
| Core capital (leverage) ratio | 10.2706% | 3,050 |
| Tier 1 risk-based capital ratio | 13.4987% | 4,753 |
| Total risk-based capital ratio | 14.7296% | 4,721 |
| Memoranda: | ||
| Average total assets | $361,190,000 | 1,799 |
| Average earning assets | $331,419,600 | 1,788 |
| Average equity | $35,107,800 | 1,968 |
| Average total loans | $244,623,600 | 1,686 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8163% | 2,331 |
| Cost of funding earning assets | 0.7733% | 3,160 |
| Net interest margin | 4.0430% | 2,322 |
| Noninterest income to average assets | 0.7945% | 2,265 |
| Noninterest expense to average assets | 2.7371% | 4,227 |
| Loan and lease loss provision to assets | 0.3489% | 1,874 |
| Net operating income to assets | 1.0043% | 2,479 |
| Return on assets (ROA) | 1.0332% | 2,570 |
| Pretax return on assets | 1.4429% | 2,102 |
| Return on Equity (ROE) | 10.6090% | 2,095 |
| Retained earnings to average equity (ytd only) | 10.6090% | 758 |
| Net charge-offs to loans | -0.0029% | 6,226 |
| Credit loss provision to net charge-offs | -18,240.0000% | 6,716 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9766% | 5,316 |
| Assets per employee ($millions) | 7.8975% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1891% | 5,331 |
| Loan loss allowance to noncurrent loans | 175.8995% | 1,973 |
| Noncurrent assets plus other real estate owned to assets | 0.4619% | 5,510 |
| Noncurrent loans to loans | 0.6760% | 5,091 |
| Net loans and leases to total assets | 67.5141% | 2,366 |
| Net loans and leases to deposits | 75.8077% | 3,010 |
| Net loans and leases to core deposits | 79.0944% | 3,312 |
| Total domestic deposits to total assets | 89.0596% | 1,394 |
| Equity capital to assets | 10.2712% | 4,107 |
| Core capital (leverage) ratio | 10.3423% | 3,114 |
| Tier 1 risk-based capital ratio | 15.5252% | 3,517 |
| Total risk-based capital ratio | 16.7751% | 3,482 |
| Memoranda: | ||
| Average total assets | $348,536,500 | 1,880 |
| Average earning assets | $318,466,250 | 1,882 |
| Average equity | $33,945,250 | 2,052 |
| Average total loans | $229,355,750 | 1,787 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7896% | 2,546 |
| Cost of funding earning assets | 0.7807% | 3,355 |
| Net interest margin | 4.0089% | 2,465 |
| Noninterest income to average assets | 1.0740% | 1,241 |
| Noninterest expense to average assets | 2.8148% | 3,958 |
| Loan and lease loss provision to assets | 0.4345% | 1,496 |
| Net operating income to assets | 1.0420% | 2,287 |
| Return on assets (ROA) | 1.0776% | 2,355 |
| Pretax return on assets | 1.5422% | 1,736 |
| Return on Equity (ROE) | 11.2943% | 1,882 |
| Retained earnings to average equity (ytd only) | 11.2943% | 692 |
| Net charge-offs to loans | -0.0027% | 6,109 |
| Credit loss provision to net charge-offs | -24,500.0000% | 6,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.3766% | 5,682 |
| Assets per employee ($millions) | 7.9908% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2088% | 5,315 |
| Loan loss allowance to noncurrent loans | 175.3930% | 1,931 |
| Noncurrent assets plus other real estate owned to assets | 0.4500% | 5,657 |
| Noncurrent loans to loans | 0.6892% | 5,127 |
| Net loans and leases to total assets | 64.5017% | 2,937 |
| Net loans and leases to deposits | 71.9627% | 3,615 |
| Net loans and leases to core deposits | 74.8750% | 3,907 |
| Total domestic deposits to total assets | 89.6321% | 1,141 |
| Equity capital to assets | 9.7851% | 4,650 |
| Core capital (leverage) ratio | 10.1537% | 3,199 |
| Tier 1 risk-based capital ratio | 15.3579% | 3,537 |
| Total risk-based capital ratio | 16.6080% | 3,492 |
| Memoranda: | ||
| Average total assets | $338,355,000 | 1,927 |
| Average earning assets | $309,464,670 | 1,931 |
| Average equity | $32,281,670 | 2,134 |
| Average total loans | $219,470,000 | 1,860 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7298% | 2,931 |
| Cost of funding earning assets | 0.7914% | 3,538 |
| Net interest margin | 3.9384% | 2,770 |
| Noninterest income to average assets | 1.0910% | 1,206 |
| Noninterest expense to average assets | 2.8875% | 3,674 |
| Loan and lease loss provision to assets | 0.4448% | 1,398 |
| Net operating income to assets | 0.9873% | 2,528 |
| Return on assets (ROA) | 1.0638% | 2,428 |
| Pretax return on assets | 1.4802% | 1,925 |
| Return on Equity (ROE) | 11.3146% | 1,900 |
| Retained earnings to average equity (ytd only) | 11.3146% | 959 |
| Net charge-offs to loans | -0.0076% | 5,875 |
| Credit loss provision to net charge-offs | -9,000.0000% | 6,233 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3547% | 5,392 |
| Assets per employee ($millions) | 7.8280% | 520 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 5,723 |
| Loan loss allowance to noncurrent loans | 410.8943% | 827 |
| Noncurrent assets plus other real estate owned to assets | 0.2659% | 6,220 |
| Noncurrent loans to loans | 0.2793% | 6,121 |
| Net loans and leases to total assets | 64.6599% | 2,726 |
| Net loans and leases to deposits | 71.6660% | 3,481 |
| Net loans and leases to core deposits | 73.5318% | 3,955 |
| Total domestic deposits to total assets | 90.2239% | 958 |
| Equity capital to assets | 9.1724% | 5,270 |
| Core capital (leverage) ratio | 9.5266% | 4,019 |
| Tier 1 risk-based capital ratio | 14.5237% | 4,088 |
| Total risk-based capital ratio | 15.7348% | 4,083 |
| Memoranda: | ||
| Average total assets | $323,743,500 | 2,006 |
| Average earning assets | $297,179,000 | 1,999 |
| Average equity | $30,438,500 | 2,237 |
| Average total loans | $209,207,500 | 1,956 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5618% | 4,827 |
| Cost of funding earning assets | 1.0241% | 3,209 |
| Net interest margin | 3.5378% | 4,990 |
| Noninterest income to average assets | 0.6410% | 2,941 |
| Noninterest expense to average assets | 3.0663% | 3,330 |
| Loan and lease loss provision to assets | 0.4395% | 2,395 |
| Net operating income to assets | 0.5501% | 4,232 |
| Return on assets (ROA) | 0.5649% | 4,356 |
| Pretax return on assets | 0.4480% | 5,133 |
| Return on Equity (ROE) | 4.9834% | 4,395 |
| Retained earnings to average equity (ytd only) | 4.9834% | 2,650 |
| Net charge-offs to loans | 0.4717% | 3,101 |
| Credit loss provision to net charge-offs | 140.9714% | 2,082 |
| Earnings coverage of net charge-offs (x) | 2.7995% | 3,818 |
| Efficiency ratio | 77.8435% | 2,612 |
| Assets per employee ($millions) | 7.7720% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0911% | 5,848 |
| Loan loss allowance to noncurrent loans | 260.9168% | 1,263 |
| Noncurrent assets plus other real estate owned to assets | 0.3567% | 6,084 |
| Noncurrent loans to loans | 0.4182% | 5,876 |
| Net loans and leases to total assets | 63.0711% | 3,387 |
| Net loans and leases to deposits | 70.0757% | 4,083 |
| Net loans and leases to core deposits | 72.1815% | 4,497 |
| Total domestic deposits to total assets | 90.0042% | 991 |
| Equity capital to assets | 9.6506% | 4,672 |
| Core capital (leverage) ratio | 9.5320% | 3,971 |
| Tier 1 risk-based capital ratio | 16.5999% | 2,776 |
| Total risk-based capital ratio | 17.8187% | 2,761 |
| Memoranda: | ||
| Average total assets | $257,570,800 | 2,454 |
| Average earning assets | $240,124,200 | 2,403 |
| Average equity | $29,196,800 | 2,256 |
| Average total loans | $170,221,000 | 2,375 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5836% | 4,928 |
| Cost of funding earning assets | 1.1003% | 2,978 |
| Net interest margin | 3.4834% | 5,252 |
| Noninterest income to average assets | 0.6054% | 3,134 |
| Noninterest expense to average assets | 2.9434% | 3,766 |
| Loan and lease loss provision to assets | 0.2396% | 3,611 |
| Net operating income to assets | 0.6791% | 3,720 |
| Return on assets (ROA) | 0.6998% | 3,793 |
| Pretax return on assets | 0.6938% | 4,506 |
| Return on Equity (ROE) | 5.8950% | 4,071 |
| Retained earnings to average equity (ytd only) | 5.8950% | 2,620 |
| Net charge-offs to loans | 0.3848% | 3,197 |
| Credit loss provision to net charge-offs | 93.2059% | 3,661 |
| Earnings coverage of net charge-offs (x) | 3.5499% | 3,397 |
| Efficiency ratio | 76.3307% | 2,793 |
| Assets per employee ($millions) | 7.7874% | 516 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9951% | 6,295 |
| Loan loss allowance to noncurrent loans | 171.6190% | 1,778 |
| Noncurrent assets plus other real estate owned to assets | 0.3457% | 6,203 |
| Noncurrent loans to loans | 0.5799% | 5,716 |
| Net loans and leases to total assets | 59.0297% | 4,316 |
| Net loans and leases to deposits | 65.7318% | 4,944 |
| Net loans and leases to core deposits | 66.9366% | 5,317 |
| Total domestic deposits to total assets | 89.8038% | 973 |
| Equity capital to assets | 9.8222% | 4,599 |
| Core capital (leverage) ratio | 10.7757% | 2,591 |
| Tier 1 risk-based capital ratio | 19.0961% | 1,899 |
| Total risk-based capital ratio | 20.2741% | 1,905 |
| Memoranda: | ||
| Average total assets | $244,243,250 | 2,592 |
| Average earning assets | $227,935,750 | 2,538 |
| Average equity | $28,995,500 | 2,269 |
| Average total loans | $163,216,500 | 2,463 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8114% | 4,056 |
| Cost of funding earning assets | 1.2141% | 2,481 |
| Net interest margin | 3.5972% | 4,730 |
| Noninterest income to average assets | 0.5000% | 3,853 |
| Noninterest expense to average assets | 2.9249% | 3,923 |
| Loan and lease loss provision to assets | 0.1907% | 4,012 |
| Net operating income to assets | 0.7361% | 3,357 |
| Return on assets (ROA) | 0.7415% | 3,453 |
| Pretax return on assets | 0.7272% | 4,288 |
| Return on Equity (ROE) | 5.7945% | 4,064 |
| Retained earnings to average equity (ytd only) | 5.7945% | 2,543 |
| Net charge-offs to loans | -0.0661% | 7,082 |
| Credit loss provision to net charge-offs | -411.5385% | 6,474 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.2192% | 2,978 |
| Assets per employee ($millions) | 8.4875% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2851% | 5,129 |
| Loan loss allowance to noncurrent loans | 50.1912% | 5,011 |
| Noncurrent assets plus other real estate owned to assets | 1.8877% | 3,384 |
| Noncurrent loans to loans | 2.5603% | 2,820 |
| Net loans and leases to total assets | 67.8804% | 2,644 |
| Net loans and leases to deposits | 77.7488% | 3,168 |
| Net loans and leases to core deposits | 80.3240% | 3,741 |
| Total domestic deposits to total assets | 87.3073% | 2,566 |
| Equity capital to assets | 12.2912% | 1,909 |
| Core capital (leverage) ratio | 12.6896% | 1,293 |
| Tier 1 risk-based capital ratio | 21.2962% | 1,366 |
| Total risk-based capital ratio | 22.5501% | 1,350 |
| Memoranda: | ||
| Average total assets | $224,421,000 | 2,814 |
| Average earning assets | $208,215,330 | 2,781 |
| Average equity | $28,717,000 | 2,264 |
| Average total loans | $157,261,670 | 2,575 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9276% | 3,433 |
| Cost of funding earning assets | 1.2354% | 2,596 |
| Net interest margin | 3.6922% | 4,146 |
| Noninterest income to average assets | 0.5748% | 3,339 |
| Noninterest expense to average assets | 2.9310% | 3,940 |
| Loan and lease loss provision to assets | 0.1928% | 3,700 |
| Net operating income to assets | 0.8287% | 2,889 |
| Return on assets (ROA) | 0.8393% | 2,892 |
| Pretax return on assets | 0.8705% | 3,621 |
| Return on Equity (ROE) | 6.4207% | 3,664 |
| Retained earnings to average equity (ytd only) | 6.4207% | 2,409 |
| Net charge-offs to loans | -0.1349% | 7,169 |
| Credit loss provision to net charge-offs | -201.9231% | 5,812 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.5823% | 3,596 |
| Assets per employee ($millions) | 7.9936% | 470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2853% | 5,202 |
| Loan loss allowance to noncurrent loans | 97.8378% | 2,924 |
| Noncurrent assets plus other real estate owned to assets | 1.8265% | 3,532 |
| Noncurrent loans to loans | 1.3137% | 4,507 |
| Net loans and leases to total assets | 68.3217% | 2,487 |
| Net loans and leases to deposits | 78.8421% | 2,922 |
| Net loans and leases to core deposits | 81.3360% | 3,553 |
| Total domestic deposits to total assets | 86.6564% | 3,147 |
| Equity capital to assets | 12.8196% | 1,463 |
| Core capital (leverage) ratio | 13.3280% | 1,018 |
| Tier 1 risk-based capital ratio | 21.7060% | 1,280 |
| Total risk-based capital ratio | 22.9596% | 1,248 |
| Memoranda: | ||
| Average total assets | $217,807,000 | 2,902 |
| Average earning assets | $201,072,500 | 2,874 |
| Average equity | $28,470,500 | 2,273 |
| Average total loans | $154,184,000 | 2,640 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2353% | 3,433 |
| Cost of funding earning assets | 1.5031% | 2,620 |
| Net interest margin | 3.7323% | 4,220 |
| Noninterest income to average assets | 0.2606% | 5,930 |
| Noninterest expense to average assets | 2.8750% | 4,332 |
| Loan and lease loss provision to assets | 0.2717% | 4,633 |
| Net operating income to assets | 0.3819% | 4,629 |
| Return on assets (ROA) | 0.3819% | 4,776 |
| Pretax return on assets | 0.6006% | 4,324 |
| Return on Equity (ROE) | 2.7173% | 5,081 |
| Retained earnings to average equity (ytd only) | 2.7173% | 3,955 |
| Net charge-offs to loans | 0.3031% | 4,500 |
| Credit loss provision to net charge-offs | 121.1712% | 3,472 |
| Earnings coverage of net charge-offs (x) | 3.8896% | 3,142 |
| Efficiency ratio | 76.7219% | 2,926 |
| Assets per employee ($millions) | 7.5640% | 576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1951% | 5,543 |
| Loan loss allowance to noncurrent loans | 176.1768% | 1,696 |
| Noncurrent assets plus other real estate owned to assets | 1.4609% | 4,136 |
| Noncurrent loans to loans | 0.6784% | 5,686 |
| Net loans and leases to total assets | 71.5910% | 2,179 |
| Net loans and leases to deposits | 84.2974% | 2,406 |
| Net loans and leases to core deposits | 89.0764% | 2,880 |
| Total domestic deposits to total assets | 84.9267% | 3,896 |
| Equity capital to assets | 13.3376% | 1,243 |
| Core capital (leverage) ratio | 13.3398% | 1,013 |
| Tier 1 risk-based capital ratio | 19.1833% | 1,676 |
| Total risk-based capital ratio | 20.4332% | 1,647 |
| Memoranda: | ||
| Average total assets | $197,982,000 | 3,126 |
| Average earning assets | $184,954,600 | 3,065 |
| Average equity | $27,821,400 | 2,324 |
| Average total loans | $146,495,200 | 2,831 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2872% | 3,411 |
| Cost of funding earning assets | 1.5484% | 2,687 |
| Net interest margin | 3.7388% | 4,237 |
| Noninterest income to average assets | 0.2584% | 6,051 |
| Noninterest expense to average assets | 2.9239% | 3,999 |
| Loan and lease loss provision to assets | 0.3262% | 3,977 |
| Net operating income to assets | 0.3372% | 5,021 |
| Return on assets (ROA) | 0.3372% | 5,194 |
| Pretax return on assets | 0.5168% | 4,869 |
| Return on Equity (ROE) | 2.3669% | 5,470 |
| Retained earnings to average equity (ytd only) | 2.3669% | 4,751 |
| Net charge-offs to loans | 0.2634% | 4,372 |
| Credit loss provision to net charge-offs | 166.4336% | 2,243 |
| Earnings coverage of net charge-offs (x) | 4.3007% | 3,112 |
| Efficiency ratio | 77.6201% | 2,675 |
| Assets per employee ($millions) | 8.5067% | 413 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3037% | 4,947 |
| Loan loss allowance to noncurrent loans | 402.0833% | 739 |
| Noncurrent assets plus other real estate owned to assets | 0.5243% | 6,116 |
| Noncurrent loans to loans | 0.3242% | 6,546 |
| Net loans and leases to total assets | 68.7051% | 3,053 |
| Net loans and leases to deposits | 80.0610% | 3,437 |
| Net loans and leases to core deposits | 84.8887% | 3,823 |
| Total domestic deposits to total assets | 85.8159% | 3,173 |
| Equity capital to assets | 13.2221% | 1,486 |
| Core capital (leverage) ratio | 13.3449% | 1,103 |
| Tier 1 risk-based capital ratio | 22.4495% | 1,138 |
| Total risk-based capital ratio | 23.7065% | 1,108 |
| Memoranda: | ||
| Average total assets | $194,529,500 | 3,213 |
| Average earning assets | $182,549,000 | 3,140 |
| Average equity | $27,714,750 | 2,362 |
| Average total loans | $144,754,500 | 2,898 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3852% | 3,042 |
| Cost of funding earning assets | 1.5739% | 2,807 |
| Net interest margin | 3.8113% | 3,843 |
| Noninterest income to average assets | 0.3289% | 5,526 |
| Noninterest expense to average assets | 3.0772% | 3,406 |
| Loan and lease loss provision to assets | 0.3894% | 3,384 |
| Net operating income to assets | 0.2939% | 5,204 |
| Return on assets (ROA) | 0.2939% | 5,355 |
| Pretax return on assets | 0.4467% | 5,073 |
| Return on Equity (ROE) | 2.0087% | 5,630 |
| Retained earnings to average equity (ytd only) | 2.0087% | 4,856 |
| Net charge-offs to loans | 0.1601% | 4,663 |
| Credit loss provision to net charge-offs | 319.1304% | 1,148 |
| Earnings coverage of net charge-offs (x) | 6.8522% | 2,397 |
| Efficiency ratio | 78.6334% | 2,639 |
| Assets per employee ($millions) | 8.2180% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 4,634 |
| Loan loss allowance to noncurrent loans | 591.0979% | 546 |
| Noncurrent assets plus other real estate owned to assets | 0.4731% | 6,263 |
| Noncurrent loans to loans | 0.2297% | 6,784 |
| Net loans and leases to total assets | 70.4457% | 2,806 |
| Net loans and leases to deposits | 81.9118% | 3,286 |
| Net loans and leases to core deposits | 87.0127% | 3,695 |
| Total domestic deposits to total assets | 86.0019% | 3,088 |
| Equity capital to assets | 13.5703% | 1,318 |
| Core capital (leverage) ratio | 13.9748% | 931 |
| Tier 1 risk-based capital ratio | 22.6436% | 1,105 |
| Total risk-based capital ratio | 23.8983% | 1,085 |
| Memoranda: | ||
| Average total assets | $188,483,670 | 3,328 |
| Average earning assets | $177,262,000 | 3,228 |
| Average equity | $27,580,000 | 2,367 |
| Average total loans | $143,658,330 | 2,943 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5433% | 2,393 |
| Cost of funding earning assets | 1.5899% | 3,021 |
| Net interest margin | 3.9534% | 3,085 |
| Noninterest income to average assets | 0.1489% | 6,904 |
| Noninterest expense to average assets | 3.0978% | 3,272 |
| Loan and lease loss provision to assets | 0.4156% | 2,882 |
| Net operating income to assets | 0.2289% | 5,579 |
| Return on assets (ROA) | 0.2289% | 5,700 |
| Pretax return on assets | 0.3489% | 5,460 |
| Return on Equity (ROE) | 1.5020% | 5,959 |
| Retained earnings to average equity (ytd only) | 1.5020% | 5,194 |
| Net charge-offs to loans | 0.1126% | 4,309 |
| Credit loss provision to net charge-offs | 467.5000% | 901 |
| Earnings coverage of net charge-offs (x) | 8.6000% | 1,939 |
| Efficiency ratio | 80.2071% | 2,538 |
| Assets per employee ($millions) | 7.6301% | 612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3250% | 4,801 |
| Loan loss allowance to noncurrent loans | 563.2836% | 569 |
| Noncurrent assets plus other real estate owned to assets | 1.3394% | 4,510 |
| Noncurrent loans to loans | 0.2352% | 6,868 |
| Net loans and leases to total assets | 73.6701% | 2,043 |
| Net loans and leases to deposits | 87.0304% | 2,400 |
| Net loans and leases to core deposits | 92.8282% | 2,999 |
| Total domestic deposits to total assets | 84.6487% | 3,830 |
| Equity capital to assets | 14.4249% | 1,028 |
| Core capital (leverage) ratio | 15.3127% | 687 |
| Tier 1 risk-based capital ratio | 21.7051% | 1,239 |
| Total risk-based capital ratio | 22.9582% | 1,225 |
| Memoranda: | ||
| Average total assets | $180,001,000 | 3,499 |
| Average earning assets | $169,070,000 | 3,416 |
| Average equity | $27,430,000 | 2,408 |
| Average total loans | $142,126,500 | 3,034 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5860% | 3,682 |
| Cost of funding earning assets | 1.7506% | 4,250 |
| Net interest margin | 3.8354% | 3,550 |
| Noninterest income to average assets | 0.1955% | 6,699 |
| Noninterest expense to average assets | 3.3768% | 2,756 |
| Loan and lease loss provision to assets | 1.2939% | 1,789 |
| Net operating income to assets | -0.8792% | 6,495 |
| Return on assets (ROA) | -0.8792% | 6,494 |
| Pretax return on assets | -0.8792% | 6,328 |
| Return on Equity (ROE) | -4.5343% | 6,167 |
| Retained earnings to average equity (ytd only) | -4.5343% | 5,954 |
| Net charge-offs to loans | 0.9022% | 2,584 |
| Credit loss provision to net charge-offs | 190.2141% | 2,105 |
| Earnings coverage of net charge-offs (x) | 0.6096% | 5,490 |
| Efficiency ratio | 89.0636% | 1,790 |
| Assets per employee ($millions) | 6.7700% | 877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2268% | 5,199 |
| Loan loss allowance to noncurrent loans | 147.7080% | 1,944 |
| Noncurrent assets plus other real estate owned to assets | 1.5067% | 4,119 |
| Noncurrent loans to loans | 0.8305% | 5,630 |
| Net loans and leases to total assets | 82.7763% | 569 |
| Net loans and leases to deposits | 99.1507% | 981 |
| Net loans and leases to core deposits | 122.8466% | 1,723 |
| Total domestic deposits to total assets | 83.4853% | 4,293 |
| Equity capital to assets | 16.1561% | 677 |
| Core capital (leverage) ratio | 16.3774% | 561 |
| Tier 1 risk-based capital ratio | 21.4847% | 1,217 |
| Total risk-based capital ratio | 22.7366% | 1,192 |
| Memoranda: | ||
| Average total assets | $144,220,200 | 4,041 |
| Average earning assets | $135,212,600 | 3,991 |
| Average equity | $27,964,600 | 2,374 |
| Average total loans | $108,739,200 | 3,723 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4611% | 4,626 |
| Cost of funding earning assets | 1.7452% | 4,667 |
| Net interest margin | 3.7159% | 4,005 |
| Noninterest income to average assets | 0.1430% | 7,153 |
| Noninterest expense to average assets | 3.3854% | 2,621 |
| Loan and lease loss provision to assets | 1.0805% | 1,805 |
| Net operating income to assets | -0.8369% | 6,717 |
| Return on assets (ROA) | -0.8369% | 6,715 |
| Pretax return on assets | -0.8369% | 6,564 |
| Return on Equity (ROE) | -4.1062% | 6,351 |
| Retained earnings to average equity (ytd only) | -4.1062% | 6,125 |
| Net charge-offs to loans | 0.3769% | 3,766 |
| Credit loss provision to net charge-offs | 393.6620% | 1,018 |
| Earnings coverage of net charge-offs (x) | 0.8873% | 5,175 |
| Efficiency ratio | 93.2889% | 1,448 |
| Assets per employee ($millions) | 6.5844% | 949 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4030% | 3,923 |
| Loan loss allowance to noncurrent loans | 91.3961% | 3,014 |
| Noncurrent assets plus other real estate owned to assets | 3.1944% | 2,123 |
| Noncurrent loans to loans | 1.5350% | 4,341 |
| Net loans and leases to total assets | 75.1130% | 2,221 |
| Net loans and leases to deposits | 91.3223% | 2,342 |
| Net loans and leases to core deposits | 116.5065% | 2,569 |
| Total domestic deposits to total assets | 82.2504% | 4,568 |
| Equity capital to assets | 17.5870% | 554 |
| Core capital (leverage) ratio | 18.3696% | 429 |
| Tier 1 risk-based capital ratio | 24.1867% | 986 |
| Total risk-based capital ratio | 25.4400% | 960 |
| Memoranda: | ||
| Average total assets | $137,963,000 | 4,190 |
| Average earning assets | $129,422,000 | 4,115 |
| Average equity | $28,119,750 | 2,387 |
| Average total loans | $100,464,500 | 3,967 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3502% | 5,395 |
| Cost of funding earning assets | 1.7499% | 5,014 |
| Net interest margin | 3.6002% | 4,357 |
| Noninterest income to average assets | 0.0686% | 7,644 |
| Noninterest expense to average assets | 3.2984% | 2,966 |
| Loan and lease loss provision to assets | 0.9994% | 1,682 |
| Net operating income to assets | -0.8410% | 6,856 |
| Return on assets (ROA) | -0.8410% | 6,864 |
| Pretax return on assets | -0.8410% | 6,708 |
| Return on Equity (ROE) | -3.9109% | 6,468 |
| Retained earnings to average equity (ytd only) | -3.9109% | 6,118 |
| Net charge-offs to loans | 0.6160% | 2,493 |
| Credit loss provision to net charge-offs | 226.9896% | 2,028 |
| Earnings coverage of net charge-offs (x) | 0.3599% | 5,321 |
| Efficiency ratio | 95.4165% | 1,414 |
| Assets per employee ($millions) | 6.4214% | 997 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1500% | 5,268 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.2652% | 2,878 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 74.3520% | 2,607 |
| Net loans and leases to deposits | 92.8652% | 2,301 |
| Net loans and leases to core deposits | 120.7086% | 2,302 |
| Total domestic deposits to total assets | 80.0644% | 5,453 |
| Equity capital to assets | 19.7317% | 404 |
| Core capital (leverage) ratio | 20.4757% | 336 |
| Tier 1 risk-based capital ratio | 27.1542% | 769 |
| Total risk-based capital ratio | 28.3746% | 756 |
| Memoranda: | ||
| Average total assets | $131,275,330 | 4,368 |
| Average earning assets | $123,547,000 | 4,282 |
| Average equity | $28,229,000 | 2,394 |
| Average total loans | $93,823,670 | 4,175 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9809% | 6,979 |
| Cost of funding earning assets | 1.7024% | 5,586 |
| Net interest margin | 3.2785% | 5,580 |
| Noninterest income to average assets | 0.0602% | 7,771 |
| Noninterest expense to average assets | 3.1708% | 3,107 |
| Loan and lease loss provision to assets | 0.5765% | 2,184 |
| Net operating income to assets | -0.5638% | 6,938 |
| Return on assets (ROA) | -0.5638% | 6,985 |
| Pretax return on assets | -0.5638% | 6,870 |
| Return on Equity (ROE) | -2.5065% | 6,726 |
| Retained earnings to average equity (ytd only) | -2.5065% | 6,195 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 99.6020% | 1,147 |
| Assets per employee ($millions) | 6.5768% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0798% | 5,610 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 72.2251% | 3,196 |
| Net loans and leases to deposits | 92.1652% | 2,564 |
| Net loans and leases to core deposits | 119.8521% | 2,426 |
| Total domestic deposits to total assets | 78.3649% | 5,903 |
| Equity capital to assets | 21.5029% | 333 |
| Core capital (leverage) ratio | 23.3033% | 272 |
| Tier 1 risk-based capital ratio | 28.9897% | 689 |
| Total risk-based capital ratio | 30.0818% | 684 |
| Memoranda: | ||
| Average total assets | $126,278,000 | 4,488 |
| Average earning assets | $120,298,500 | 4,378 |
| Average equity | $28,406,000 | 2,390 |
| Average total loans | $87,606,000 | 4,372 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5202% | 7,250 |
| Cost of funding earning assets | 1.5934% | 7,465 |
| Net interest margin | 3.9268% | 3,452 |
| Noninterest income to average assets | 0.0805% | 7,739 |
| Noninterest expense to average assets | 4.3899% | 964 |
| Loan and lease loss provision to assets | 0.9819% | 1,498 |
| Net operating income to assets | -1.5079% | 7,467 |
| Return on assets (ROA) | -1.4533% | 7,391 |
| Pretax return on assets | -1.4533% | 7,235 |
| Return on Equity (ROE) | -3.8816% | 6,731 |
| Retained earnings to average equity (ytd only) | -3.8816% | 6,299 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 113.6134% | 640 |
| Assets per employee ($millions) | 6.3695% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0799% | 5,416 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 64.7149% | 5,124 |
| Net loans and leases to deposits | 84.8020% | 4,290 |
| Net loans and leases to core deposits | 100.8369% | 4,743 |
| Total domestic deposits to total assets | 76.3130% | 6,163 |
| Equity capital to assets | 23.5730% | 301 |
| Core capital (leverage) ratio | 26.2793% | 238 |
| Tier 1 risk-based capital ratio | 33.3118% | 501 |
| Total risk-based capital ratio | 34.3431% | 495 |
| Memoranda: | ||
| Average total assets | $76,995,000 | 5,800 |
| Average earning assets | $74,182,200 | 5,657 |
| Average equity | $28,828,400 | 2,347 |
| Average total loans | $45,673,200 | 5,896 |