Home > Jacksonville Savings Bank > Performance and Condition Ratios
Jacksonville Savings Bank, Performance and Condition Ratios
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7132% | 5,312 |
| Cost of funding earning assets | 0.2721% | 4,698 |
| Net interest margin | 2.4411% | 5,235 |
| Noninterest income to average assets | 0.7257% | 1,749 |
| Noninterest expense to average assets | 1.9471% | 4,828 |
| Loan and lease loss provision to assets | 0.2730% | 619 |
| Net operating income to assets | 0.5225% | 4,611 |
| Return on assets (ROA) | 0.5338% | 4,581 |
| Pretax return on assets | 0.6855% | 4,444 |
| Return on Equity (ROE) | 4.0056% | 4,708 |
| Retained earnings to average equity (ytd only) | 4.0056% | 3,368 |
| Net charge-offs to loans | -0.1154% | 5,180 |
| Credit loss provision to net charge-offs | -413.8249% | 4,605 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3431% | 2,651 |
| Assets per employee ($millions) | 3.9426% | 3,974 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5995% | 4,973 |
| Loan loss allowance to noncurrent loans | 85.9676% | 3,643 |
| Noncurrent assets plus other real estate owned to assets | 0.4096% | 2,915 |
| Noncurrent loans to loans | 0.6973% | 2,247 |
| Net loans and leases to total assets | 57.8941% | 3,977 |
| Net loans and leases to deposits | 72.5027% | 3,627 |
| Net loans and leases to core deposits | 75.7793% | 3,735 |
| Total domestic deposits to total assets | 79.8509% | 4,138 |
| Equity capital to assets | 14.1630% | 919 |
| Core capital (leverage) ratio | 7.9561% | 5,250 |
| Tier 1 risk-based capital ratio | 10.9056% | 5,016 |
| Total risk-based capital ratio | 11.4243% | 5,198 |
| Memoranda: | ||
| Average total assets | $328,944,800 | 1,999 |
| Average earning assets | $291,831,000 | 2,063 |
| Average equity | $43,838,600 | 1,705 |
| Average total loans | $188,112,200 | 2,267 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.0897% | 5,436 |
| Cost of funding earning assets | 0.2041% | 5,010 |
| Net interest margin | 1.8857% | 5,418 |
| Noninterest income to average assets | 0.5613% | 2,515 |
| Noninterest expense to average assets | 1.2897% | 5,374 |
| Loan and lease loss provision to assets | 0.2515% | 624 |
| Net operating income to assets | 0.5363% | 4,680 |
| Return on assets (ROA) | 0.5513% | 4,651 |
| Pretax return on assets | 0.7271% | 4,474 |
| Return on Equity (ROE) | 4.2000% | 4,777 |
| Retained earnings to average equity (ytd only) | 4.2000% | 3,674 |
| Net charge-offs to loans | -0.1173% | 5,205 |
| Credit loss provision to net charge-offs | -376.5060% | 4,438 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.3345% | 4,210 |
| Assets per employee ($millions) | 3.9674% | 3,939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4307% | 5,257 |
| Loan loss allowance to noncurrent loans | 62.9276% | 4,150 |
| Noncurrent assets plus other real estate owned to assets | 0.4091% | 3,055 |
| Noncurrent loans to loans | 0.6845% | 2,372 |
| Net loans and leases to total assets | 56.2031% | 4,201 |
| Net loans and leases to deposits | 68.7417% | 4,007 |
| Net loans and leases to core deposits | 71.5207% | 4,107 |
| Total domestic deposits to total assets | 81.7599% | 3,679 |
| Equity capital to assets | 13.5679% | 1,113 |
| Core capital (leverage) ratio | 7.4477% | 5,398 |
| Tier 1 risk-based capital ratio | 10.8410% | 5,105 |
| Total risk-based capital ratio | 11.2148% | 5,342 |
| Memoranda: | ||
| Average total assets | $331,342,500 | 1,992 |
| Average earning assets | $296,618,250 | 2,046 |
| Average equity | $43,490,750 | 1,718 |
| Average total loans | $188,639,750 | 2,266 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 0.6375% | 5,535 |
| Cost of funding earning assets | 0.0912% | 5,423 |
| Net interest margin | 0.5464% | 5,534 |
| Noninterest income to average assets | 0.2184% | 4,710 |
| Noninterest expense to average assets | 0.4458% | 5,528 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.1926% | 5,238 |
| Return on assets (ROA) | 0.1926% | 5,230 |
| Pretax return on assets | 0.2688% | 5,189 |
| Return on Equity (ROE) | 1.4836% | 5,227 |
| Retained earnings to average equity (ytd only) | 1.4836% | 4,645 |
| Net charge-offs to loans | -0.2249% | 5,348 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3846% | 3,577 |
| Assets per employee ($millions) | 4.1372% | 3,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.1113% | 5,475 |
| Loan loss allowance to noncurrent loans | 13.6741% | 4,925 |
| Noncurrent assets plus other real estate owned to assets | 0.4482% | 2,930 |
| Noncurrent loans to loans | 0.8142% | 2,097 |
| Net loans and leases to total assets | 54.6010% | 4,284 |
| Net loans and leases to deposits | 69.0632% | 3,943 |
| Net loans and leases to core deposits | 71.9428% | 4,011 |
| Total domestic deposits to total assets | 79.0594% | 4,420 |
| Equity capital to assets | 12.4964% | 1,535 |
| Core capital (leverage) ratio | 6.8856% | 5,491 |
| Tier 1 risk-based capital ratio | 9.7598% | 5,473 |
| Total risk-based capital ratio | 9.8557% | 5,520 |
| Memoranda: | ||
| Average total assets | $333,347,670 | 1,994 |
| Average earning assets | $302,728,670 | 2,034 |
| Average equity | $43,274,330 | 1,730 |
| Average total loans | $190,308,000 | 2,261 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9143% | 3,887 |
| Cost of funding earning assets | 0.4374% | 3,309 |
| Net interest margin | 3.4768% | 3,621 |
| Noninterest income to average assets | 1.3782% | 489 |
| Noninterest expense to average assets | 3.1734% | 1,626 |
| Loan and lease loss provision to assets | -0.1974% | 5,550 |
| Net operating income to assets | 1.2745% | 1,731 |
| Return on assets (ROA) | 1.3066% | 1,626 |
| Pretax return on assets | 1.6793% | 1,171 |
| Return on Equity (ROE) | 9.8652% | 2,502 |
| Retained earnings to average equity (ytd only) | 9.8652% | 1,204 |
| Net charge-offs to loans | -0.0401% | 4,873 |
| Credit loss provision to net charge-offs | 842.1053% | 399 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.7701% | 2,708 |
| Assets per employee ($millions) | 3.5538% | 4,607 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4480% | 1,669 |
| Loan loss allowance to noncurrent loans | 167.2572% | 2,565 |
| Noncurrent assets plus other real estate owned to assets | 0.5096% | 2,820 |
| Noncurrent loans to loans | 0.8658% | 2,089 |
| Net loans and leases to total assets | 57.6206% | 3,978 |
| Net loans and leases to deposits | 69.5014% | 3,827 |
| Net loans and leases to core deposits | 72.0489% | 3,955 |
| Total domestic deposits to total assets | 82.9057% | 3,699 |
| Equity capital to assets | 13.2069% | 1,157 |
| Core capital (leverage) ratio | 13.1263% | 1,127 |
| Tier 1 risk-based capital ratio | 19.3908% | 1,454 |
| Total risk-based capital ratio | 20.6410% | 1,423 |
| Memoranda: | ||
| Average total assets | $324,190,500 | 2,052 |
| Average earning assets | $301,768,500 | 2,047 |
| Average equity | $42,939,000 | 1,756 |
| Average total loans | $189,349,500 | 2,282 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7612% | 4,181 |
| Cost of funding earning assets | 0.3873% | 3,364 |
| Net interest margin | 3.3739% | 3,926 |
| Noninterest income to average assets | 1.2543% | 675 |
| Noninterest expense to average assets | 3.0438% | 2,033 |
| Loan and lease loss provision to assets | -0.0551% | 5,411 |
| Net operating income to assets | 0.7554% | 3,364 |
| Return on assets (ROA) | 0.8198% | 3,120 |
| Pretax return on assets | 1.5065% | 1,614 |
| Return on Equity (ROE) | 6.1752% | 3,686 |
| Retained earnings to average equity (ytd only) | 2.7177% | 3,687 |
| Net charge-offs to loans | -0.0278% | 5,041 |
| Credit loss provision to net charge-offs | 346.1538% | 847 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.2640% | 2,658 |
| Assets per employee ($millions) | 3.5712% | 4,610 |
| Cash dividends to net income (ytd only)* | 55.9910% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5189% | 1,346 |
| Loan loss allowance to noncurrent loans | 164.2898% | 2,632 |
| Noncurrent assets plus other real estate owned to assets | 0.5428% | 2,747 |
| Noncurrent loans to loans | 0.9245% | 1,932 |
| Net loans and leases to total assets | 57.4606% | 4,064 |
| Net loans and leases to deposits | 72.0024% | 3,703 |
| Net loans and leases to core deposits | 74.9306% | 3,816 |
| Total domestic deposits to total assets | 79.8037% | 4,375 |
| Equity capital to assets | 13.2829% | 1,136 |
| Core capital (leverage) ratio | 13.0046% | 1,140 |
| Tier 1 risk-based capital ratio | 18.6924% | 1,590 |
| Total risk-based capital ratio | 19.9428% | 1,547 |
| Memoranda: | ||
| Average total assets | $326,792,200 | 2,029 |
| Average earning assets | $304,155,600 | 2,021 |
| Average equity | $43,383,000 | 1,712 |
| Average total loans | $187,268,400 | 2,262 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7065% | 4,308 |
| Cost of funding earning assets | 0.3778% | 3,395 |
| Net interest margin | 3.3287% | 4,079 |
| Noninterest income to average assets | 1.2476% | 678 |
| Noninterest expense to average assets | 3.0557% | 1,934 |
| Loan and lease loss provision to assets | 0.0367% | 3,379 |
| Net operating income to assets | 0.8999% | 3,027 |
| Return on assets (ROA) | 0.9949% | 2,628 |
| Pretax return on assets | 1.3853% | 2,157 |
| Return on Equity (ROE) | 7.4957% | 3,392 |
| Retained earnings to average equity (ytd only) | 7.4957% | 1,431 |
| Net charge-offs to loans | 0.0093% | 3,398 |
| Credit loss provision to net charge-offs | 692.3077% | 485 |
| Earnings coverage of net charge-offs (x) | 243.5793% | 363 |
| Efficiency ratio | 70.3169% | 2,487 |
| Assets per employee ($millions) | 3.6990% | 4,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6448% | 1,144 |
| Loan loss allowance to noncurrent loans | 230.8383% | 1,995 |
| Noncurrent assets plus other real estate owned to assets | 0.3999% | 3,430 |
| Noncurrent loans to loans | 0.7125% | 2,574 |
| Net loans and leases to total assets | 54.7865% | 4,341 |
| Net loans and leases to deposits | 66.4523% | 4,215 |
| Net loans and leases to core deposits | 68.6834% | 4,317 |
| Total domestic deposits to total assets | 82.4450% | 3,643 |
| Equity capital to assets | 13.4152% | 1,193 |
| Core capital (leverage) ratio | 13.1054% | 1,169 |
| Tier 1 risk-based capital ratio | 19.6348% | 1,450 |
| Total risk-based capital ratio | 20.8870% | 1,413 |
| Memoranda: | ||
| Average total assets | $327,245,000 | 2,037 |
| Average earning assets | $304,571,500 | 2,031 |
| Average equity | $43,437,000 | 1,723 |
| Average total loans | $186,681,500 | 2,284 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7239% | 4,147 |
| Cost of funding earning assets | 0.3620% | 3,464 |
| Net interest margin | 3.3619% | 3,904 |
| Noninterest income to average assets | 1.2600% | 654 |
| Noninterest expense to average assets | 3.0741% | 1,901 |
| Loan and lease loss provision to assets | 0.0370% | 3,267 |
| Net operating income to assets | 0.9222% | 2,792 |
| Return on assets (ROA) | 1.0231% | 2,364 |
| Pretax return on assets | 1.4180% | 1,943 |
| Return on Equity (ROE) | 7.7362% | 3,177 |
| Retained earnings to average equity (ytd only) | 7.7362% | 1,268 |
| Net charge-offs to loans | 0.0161% | 2,923 |
| Credit loss provision to net charge-offs | 400.0000% | 780 |
| Earnings coverage of net charge-offs (x) | 142.0667% | 523 |
| Efficiency ratio | 70.0408% | 2,664 |
| Assets per employee ($millions) | 3.7718% | 4,318 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6112% | 1,238 |
| Loan loss allowance to noncurrent loans | 207.0556% | 2,173 |
| Noncurrent assets plus other real estate owned to assets | 0.4421% | 3,341 |
| Noncurrent loans to loans | 0.7782% | 2,458 |
| Net loans and leases to total assets | 55.5179% | 4,269 |
| Net loans and leases to deposits | 66.7982% | 4,164 |
| Net loans and leases to core deposits | 68.7912% | 4,314 |
| Total domestic deposits to total assets | 83.1129% | 3,533 |
| Equity capital to assets | 13.2513% | 1,252 |
| Core capital (leverage) ratio | 12.9626% | 1,189 |
| Tier 1 risk-based capital ratio | 19.1289% | 1,573 |
| Total risk-based capital ratio | 20.3809% | 1,513 |
| Memoranda: | ||
| Average total assets | $324,123,330 | 2,060 |
| Average earning assets | $301,672,330 | 2,044 |
| Average equity | $42,863,670 | 1,744 |
| Average total loans | $186,408,330 | 2,293 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7904% | 3,792 |
| Cost of funding earning assets | 0.3505% | 3,528 |
| Net interest margin | 3.4399% | 3,486 |
| Noninterest income to average assets | 1.2301% | 677 |
| Noninterest expense to average assets | 3.1438% | 1,755 |
| Loan and lease loss provision to assets | 0.0377% | 3,044 |
| Net operating income to assets | 0.9011% | 2,759 |
| Return on assets (ROA) | 1.0178% | 2,286 |
| Pretax return on assets | 1.4048% | 1,880 |
| Return on Equity (ROE) | 7.7044% | 3,071 |
| Retained earnings to average equity (ytd only) | 7.7044% | 1,575 |
| Net charge-offs to loans | 0.0043% | 2,825 |
| Credit loss provision to net charge-offs | 1,500.0000% | 215 |
| Earnings coverage of net charge-offs (x) | 509.5000% | 109 |
| Efficiency ratio | 71.0594% | 2,722 |
| Assets per employee ($millions) | 3.5667% | 4,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6690% | 1,210 |
| Loan loss allowance to noncurrent loans | 192.8208% | 2,331 |
| Noncurrent assets plus other real estate owned to assets | 0.5570% | 3,005 |
| Noncurrent loans to loans | 0.8656% | 2,299 |
| Net loans and leases to total assets | 56.3297% | 4,136 |
| Net loans and leases to deposits | 67.5260% | 4,036 |
| Net loans and leases to core deposits | 69.7524% | 4,163 |
| Total domestic deposits to total assets | 83.4192% | 3,691 |
| Equity capital to assets | 13.4646% | 1,079 |
| Core capital (leverage) ratio | 12.9892% | 1,147 |
| Tier 1 risk-based capital ratio | 19.2032% | 1,560 |
| Total risk-based capital ratio | 20.4556% | 1,530 |
| Memoranda: | ||
| Average total assets | $318,341,000 | 2,103 |
| Average earning assets | $295,589,500 | 2,098 |
| Average equity | $42,054,000 | 1,776 |
| Average total loans | $184,903,000 | 2,319 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9180% | 3,504 |
| Cost of funding earning assets | 0.3628% | 3,383 |
| Net interest margin | 3.5552% | 3,233 |
| Noninterest income to average assets | 1.2275% | 756 |
| Noninterest expense to average assets | 3.1882% | 1,819 |
| Loan and lease loss provision to assets | 0.0381% | 3,612 |
| Net operating income to assets | 0.9438% | 2,611 |
| Return on assets (ROA) | 1.0366% | 2,300 |
| Pretax return on assets | 1.4255% | 1,835 |
| Return on Equity (ROE) | 7.4760% | 3,232 |
| Retained earnings to average equity (ytd only) | 1.7464% | 4,534 |
| Net charge-offs to loans | 0.0172% | 3,726 |
| Credit loss provision to net charge-offs | 363.6364% | 852 |
| Earnings coverage of net charge-offs (x) | 127.4545% | 480 |
| Efficiency ratio | 70.4614% | 2,835 |
| Assets per employee ($millions) | 3.5082% | 4,748 |
| Cash dividends to net income (ytd only)* | 76.6401% | 1,040 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5998% | 1,376 |
| Loan loss allowance to noncurrent loans | 196.5359% | 2,282 |
| Noncurrent assets plus other real estate owned to assets | 0.4793% | 3,340 |
| Noncurrent loans to loans | 0.8140% | 2,487 |
| Net loans and leases to total assets | 57.9344% | 4,073 |
| Net loans and leases to deposits | 69.9018% | 3,913 |
| Net loans and leases to core deposits | 72.4471% | 4,058 |
| Total domestic deposits to total assets | 82.8798% | 3,808 |
| Equity capital to assets | 12.9576% | 1,275 |
| Core capital (leverage) ratio | 12.5776% | 1,309 |
| Tier 1 risk-based capital ratio | 18.2697% | 1,785 |
| Total risk-based capital ratio | 19.5215% | 1,748 |
| Memoranda: | ||
| Average total assets | $314,695,600 | 2,097 |
| Average earning assets | $291,857,000 | 2,086 |
| Average equity | $43,633,200 | 1,699 |
| Average total loans | $191,368,800 | 2,196 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9516% | 3,412 |
| Cost of funding earning assets | 0.3581% | 3,454 |
| Net interest margin | 3.5934% | 3,098 |
| Noninterest income to average assets | 1.2484% | 743 |
| Noninterest expense to average assets | 3.1912% | 1,801 |
| Loan and lease loss provision to assets | 0.0383% | 3,474 |
| Net operating income to assets | 0.9783% | 2,525 |
| Return on assets (ROA) | 1.0677% | 2,239 |
| Pretax return on assets | 1.4751% | 1,789 |
| Return on Equity (ROE) | 7.5745% | 3,251 |
| Retained earnings to average equity (ytd only) | 7.5745% | 1,367 |
| Net charge-offs to loans | 0.0173% | 3,373 |
| Credit loss provision to net charge-offs | 360.0000% | 910 |
| Earnings coverage of net charge-offs (x) | 130.6898% | 522 |
| Efficiency ratio | 69.6714% | 2,939 |
| Assets per employee ($millions) | 3.5178% | 4,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5822% | 1,533 |
| Loan loss allowance to noncurrent loans | 177.8903% | 2,451 |
| Noncurrent assets plus other real estate owned to assets | 0.5740% | 3,184 |
| Noncurrent loans to loans | 0.8894% | 2,478 |
| Net loans and leases to total assets | 56.1503% | 4,297 |
| Net loans and leases to deposits | 68.3176% | 4,121 |
| Net loans and leases to core deposits | 71.1895% | 4,235 |
| Total domestic deposits to total assets | 82.1901% | 3,881 |
| Equity capital to assets | 13.8244% | 1,108 |
| Core capital (leverage) ratio | 13.1597% | 1,128 |
| Tier 1 risk-based capital ratio | 18.9599% | 1,679 |
| Total risk-based capital ratio | 20.2112% | 1,641 |
| Memoranda: | ||
| Average total assets | $313,559,000 | 2,100 |
| Average earning assets | $290,747,250 | 2,098 |
| Average equity | $44,200,000 | 1,692 |
| Average total loans | $192,221,500 | 2,184 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0396% | 3,105 |
| Cost of funding earning assets | 0.3514% | 3,550 |
| Net interest margin | 3.6882% | 2,740 |
| Noninterest income to average assets | 1.2545% | 721 |
| Noninterest expense to average assets | 3.2373% | 1,721 |
| Loan and lease loss provision to assets | 0.0390% | 3,377 |
| Net operating income to assets | 1.0065% | 2,361 |
| Return on assets (ROA) | 1.1038% | 2,069 |
| Pretax return on assets | 1.5293% | 1,590 |
| Return on Equity (ROE) | 7.7766% | 3,099 |
| Retained earnings to average equity (ytd only) | 7.7766% | 1,256 |
| Net charge-offs to loans | 0.0227% | 3,037 |
| Credit loss provision to net charge-offs | 272.7273% | 1,034 |
| Earnings coverage of net charge-offs (x) | 100.2727% | 576 |
| Efficiency ratio | 69.3142% | 3,096 |
| Assets per employee ($millions) | 3.3291% | 5,018 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5407% | 1,715 |
| Loan loss allowance to noncurrent loans | 184.4140% | 2,454 |
| Noncurrent assets plus other real estate owned to assets | 0.5829% | 3,275 |
| Noncurrent loans to loans | 0.8355% | 2,658 |
| Net loans and leases to total assets | 60.4058% | 3,827 |
| Net loans and leases to deposits | 73.2480% | 3,681 |
| Net loans and leases to core deposits | 75.6587% | 3,851 |
| Total domestic deposits to total assets | 82.4676% | 3,851 |
| Equity capital to assets | 14.4011% | 900 |
| Core capital (leverage) ratio | 13.5160% | 974 |
| Tier 1 risk-based capital ratio | 18.9090% | 1,708 |
| Total risk-based capital ratio | 20.1606% | 1,679 |
| Memoranda: | ||
| Average total assets | $307,853,670 | 2,133 |
| Average earning assets | $285,127,000 | 2,144 |
| Average equity | $43,695,330 | 1,708 |
| Average total loans | $193,408,670 | 2,180 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1228% | 2,763 |
| Cost of funding earning assets | 0.3557% | 3,544 |
| Net interest margin | 3.7670% | 2,413 |
| Noninterest income to average assets | 1.2996% | 647 |
| Noninterest expense to average assets | 3.2701% | 1,667 |
| Loan and lease loss provision to assets | 0.0393% | 3,124 |
| Net operating income to assets | 1.0580% | 2,060 |
| Return on assets (ROA) | 1.1542% | 1,813 |
| Pretax return on assets | 1.6062% | 1,272 |
| Return on Equity (ROE) | 8.1934% | 2,807 |
| Retained earnings to average equity (ytd only) | 8.1934% | 1,378 |
| Net charge-offs to loans | 0.0309% | 2,335 |
| Credit loss provision to net charge-offs | 200.0000% | 1,075 |
| Earnings coverage of net charge-offs (x) | 76.9333% | 657 |
| Efficiency ratio | 68.3836% | 3,400 |
| Assets per employee ($millions) | 3.2828% | 5,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5307% | 1,860 |
| Loan loss allowance to noncurrent loans | 162.8746% | 2,600 |
| Noncurrent assets plus other real estate owned to assets | 0.6973% | 2,973 |
| Noncurrent loans to loans | 0.9398% | 2,500 |
| Net loans and leases to total assets | 62.5144% | 3,456 |
| Net loans and leases to deposits | 76.0609% | 3,217 |
| Net loans and leases to core deposits | 78.6728% | 3,430 |
| Total domestic deposits to total assets | 82.1900% | 4,156 |
| Equity capital to assets | 14.4334% | 849 |
| Core capital (leverage) ratio | 13.4059% | 1,017 |
| Tier 1 risk-based capital ratio | 18.5844% | 1,830 |
| Total risk-based capital ratio | 19.8357% | 1,785 |
| Memoranda: | ||
| Average total assets | $305,313,000 | 2,153 |
| Average earning assets | $282,238,500 | 2,165 |
| Average equity | $43,010,000 | 1,729 |
| Average total loans | $194,118,500 | 2,170 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0485% | 3,122 |
| Cost of funding earning assets | 0.4005% | 3,157 |
| Net interest margin | 3.6480% | 2,948 |
| Noninterest income to average assets | 1.2684% | 743 |
| Noninterest expense to average assets | 3.2549% | 1,821 |
| Loan and lease loss provision to assets | 0.0455% | 3,416 |
| Net operating income to assets | 0.9762% | 2,484 |
| Return on assets (ROA) | 1.0524% | 2,204 |
| Pretax return on assets | 1.4436% | 1,747 |
| Return on Equity (ROE) | 7.6497% | 3,162 |
| Retained earnings to average equity (ytd only) | 2.9262% | 3,974 |
| Net charge-offs to loans | 0.0922% | 2,510 |
| Credit loss provision to net charge-offs | 79.5455% | 2,957 |
| Earnings coverage of net charge-offs (x) | 24.2159% | 1,687 |
| Efficiency ratio | 70.1541% | 3,196 |
| Assets per employee ($millions) | 3.3184% | 5,125 |
| Cash dividends to net income (ytd only)* | 61.7475% | 1,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4860% | 2,079 |
| Loan loss allowance to noncurrent loans | 144.4829% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.7621% | 2,780 |
| Noncurrent loans to loans | 1.0285% | 2,278 |
| Net loans and leases to total assets | 62.7259% | 3,458 |
| Net loans and leases to deposits | 78.9883% | 2,939 |
| Net loans and leases to core deposits | 81.9691% | 3,153 |
| Total domestic deposits to total assets | 79.4116% | 4,883 |
| Equity capital to assets | 13.7484% | 1,020 |
| Core capital (leverage) ratio | 12.8224% | 1,221 |
| Tier 1 risk-based capital ratio | 17.9035% | 1,992 |
| Total risk-based capital ratio | 19.1545% | 1,945 |
| Memoranda: | ||
| Average total assets | $307,780,800 | 2,107 |
| Average earning assets | $284,428,200 | 2,106 |
| Average equity | $42,341,400 | 1,719 |
| Average total loans | $190,862,000 | 2,150 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0310% | 3,203 |
| Cost of funding earning assets | 0.4143% | 3,075 |
| Net interest margin | 3.6167% | 3,093 |
| Noninterest income to average assets | 1.2320% | 794 |
| Noninterest expense to average assets | 3.1519% | 2,079 |
| Loan and lease loss provision to assets | 0.0477% | 3,251 |
| Net operating income to assets | 0.9935% | 2,503 |
| Return on assets (ROA) | 1.0768% | 2,194 |
| Pretax return on assets | 1.4895% | 1,711 |
| Return on Equity (ROE) | 7.8260% | 3,174 |
| Retained earnings to average equity (ytd only) | 7.8260% | 1,319 |
| Net charge-offs to loans | 0.1042% | 2,092 |
| Credit loss provision to net charge-offs | 74.3243% | 2,693 |
| Earnings coverage of net charge-offs (x) | 22.1552% | 1,795 |
| Efficiency ratio | 68.9194% | 3,390 |
| Assets per employee ($millions) | 3.3281% | 5,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5099% | 2,119 |
| Loan loss allowance to noncurrent loans | 139.0848% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 0.7962% | 2,894 |
| Noncurrent loans to loans | 1.0856% | 2,314 |
| Net loans and leases to total assets | 62.1632% | 3,581 |
| Net loans and leases to deposits | 80.3803% | 2,838 |
| Net loans and leases to core deposits | 83.5488% | 3,095 |
| Total domestic deposits to total assets | 77.3363% | 5,288 |
| Equity capital to assets | 14.2368% | 934 |
| Core capital (leverage) ratio | 13.2201% | 1,123 |
| Tier 1 risk-based capital ratio | 18.4688% | 1,910 |
| Total risk-based capital ratio | 19.7200% | 1,872 |
| Memoranda: | ||
| Average total assets | $307,573,250 | 2,118 |
| Average earning assets | $284,158,000 | 2,122 |
| Average equity | $42,319,500 | 1,742 |
| Average total loans | $189,452,750 | 2,179 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0453% | 3,098 |
| Cost of funding earning assets | 0.4304% | 2,930 |
| Net interest margin | 3.6148% | 3,031 |
| Noninterest income to average assets | 1.2265% | 808 |
| Noninterest expense to average assets | 3.0925% | 2,263 |
| Loan and lease loss provision to assets | 0.0422% | 3,267 |
| Net operating income to assets | 1.0267% | 2,251 |
| Return on assets (ROA) | 1.1258% | 1,941 |
| Pretax return on assets | 1.5719% | 1,421 |
| Return on Equity (ROE) | 8.2777% | 2,901 |
| Retained earnings to average equity (ytd only) | 8.2777% | 1,157 |
| Net charge-offs to loans | 0.1042% | 1,965 |
| Credit loss provision to net charge-offs | 66.3265% | 2,522 |
| Earnings coverage of net charge-offs (x) | 23.2041% | 1,615 |
| Efficiency ratio | 67.6851% | 3,720 |
| Assets per employee ($millions) | 3.2534% | 5,241 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5546% | 2,070 |
| Loan loss allowance to noncurrent loans | 127.8653% | 3,136 |
| Noncurrent assets plus other real estate owned to assets | 0.8436% | 2,867 |
| Noncurrent loans to loans | 1.2158% | 2,221 |
| Net loans and leases to total assets | 60.5234% | 3,753 |
| Net loans and leases to deposits | 76.2700% | 3,237 |
| Net loans and leases to core deposits | 78.8978% | 3,495 |
| Total domestic deposits to total assets | 79.3541% | 5,012 |
| Equity capital to assets | 13.8348% | 1,037 |
| Core capital (leverage) ratio | 13.1217% | 1,125 |
| Tier 1 risk-based capital ratio | 18.4245% | 1,939 |
| Total risk-based capital ratio | 19.6760% | 1,907 |
| Memoranda: | ||
| Average total assets | $308,035,670 | 2,136 |
| Average earning assets | $284,827,330 | 2,130 |
| Average equity | $41,895,670 | 1,762 |
| Average total loans | $188,186,000 | 2,202 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0544% | 3,024 |
| Cost of funding earning assets | 0.4430% | 2,849 |
| Net interest margin | 3.6114% | 2,959 |
| Noninterest income to average assets | 1.1555% | 858 |
| Noninterest expense to average assets | 3.1118% | 2,234 |
| Loan and lease loss provision to assets | 0.0388% | 3,131 |
| Net operating income to assets | 0.9694% | 2,398 |
| Return on assets (ROA) | 1.0934% | 2,002 |
| Pretax return on assets | 1.5203% | 1,495 |
| Return on Equity (ROE) | 8.1078% | 2,905 |
| Retained earnings to average equity (ytd only) | 8.1078% | 1,529 |
| Net charge-offs to loans | 0.0319% | 2,549 |
| Credit loss provision to net charge-offs | 200.0000% | 1,042 |
| Earnings coverage of net charge-offs (x) | 71.4667% | 636 |
| Efficiency ratio | 69.1688% | 3,627 |
| Assets per employee ($millions) | 3.2946% | 5,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5750% | 2,142 |
| Loan loss allowance to noncurrent loans | 118.0843% | 3,302 |
| Noncurrent assets plus other real estate owned to assets | 0.8584% | 2,932 |
| Noncurrent loans to loans | 1.3338% | 2,158 |
| Net loans and leases to total assets | 60.5943% | 3,572 |
| Net loans and leases to deposits | 74.5854% | 3,220 |
| Net loans and leases to core deposits | 77.2124% | 3,463 |
| Total domestic deposits to total assets | 81.2415% | 4,752 |
| Equity capital to assets | 13.8269% | 1,044 |
| Core capital (leverage) ratio | 12.7215% | 1,266 |
| Tier 1 risk-based capital ratio | 18.1789% | 2,086 |
| Total risk-based capital ratio | 19.4304% | 2,042 |
| Memoranda: | ||
| Average total assets | $309,141,500 | 2,140 |
| Average earning assets | $286,207,500 | 2,132 |
| Average equity | $41,688,500 | 1,774 |
| Average total loans | $188,270,000 | 2,195 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1067% | 3,301 |
| Cost of funding earning assets | 0.5056% | 2,612 |
| Net interest margin | 3.6011% | 3,410 |
| Noninterest income to average assets | 1.1203% | 971 |
| Noninterest expense to average assets | 3.0317% | 2,750 |
| Loan and lease loss provision to assets | 0.0765% | 2,947 |
| Net operating income to assets | 0.9865% | 2,447 |
| Return on assets (ROA) | 1.0830% | 2,096 |
| Pretax return on assets | 1.4672% | 1,664 |
| Return on Equity (ROE) | 8.4578% | 2,871 |
| Retained earnings to average equity (ytd only) | 3.4782% | 3,734 |
| Net charge-offs to loans | 0.3761% | 1,148 |
| Credit loss provision to net charge-offs | 34.7826% | 3,775 |
| Earnings coverage of net charge-offs (x) | 6.4246% | 3,204 |
| Efficiency ratio | 68.2040% | 3,865 |
| Assets per employee ($millions) | 3.2488% | 5,352 |
| Cash dividends to net income (ytd only)* | 58.8755% | 1,802 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5731% | 2,183 |
| Loan loss allowance to noncurrent loans | 130.5654% | 3,114 |
| Noncurrent assets plus other real estate owned to assets | 0.7823% | 3,250 |
| Noncurrent loans to loans | 1.2048% | 2,439 |
| Net loans and leases to total assets | 59.3017% | 3,875 |
| Net loans and leases to deposits | 73.7604% | 3,464 |
| Net loans and leases to core deposits | 76.6847% | 3,641 |
| Total domestic deposits to total assets | 80.3978% | 4,910 |
| Equity capital to assets | 13.1496% | 1,290 |
| Core capital (leverage) ratio | 12.2503% | 1,477 |
| Tier 1 risk-based capital ratio | 17.5593% | 2,293 |
| Total risk-based capital ratio | 18.8108% | 2,263 |
| Memoranda: | ||
| Average total assets | $313,654,600 | 2,069 |
| Average earning assets | $289,574,600 | 2,070 |
| Average equity | $40,164,000 | 1,776 |
| Average total loans | $183,454,000 | 2,192 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1264% | 3,267 |
| Cost of funding earning assets | 0.5166% | 2,590 |
| Net interest margin | 3.6098% | 3,387 |
| Noninterest income to average assets | 1.1325% | 941 |
| Noninterest expense to average assets | 2.9943% | 2,816 |
| Loan and lease loss provision to assets | 0.0382% | 3,640 |
| Net operating income to assets | 1.0476% | 2,243 |
| Return on assets (ROA) | 1.1406% | 1,960 |
| Pretax return on assets | 1.5583% | 1,456 |
| Return on Equity (ROE) | 8.9672% | 2,703 |
| Retained earnings to average equity (ytd only) | 8.9672% | 1,016 |
| Net charge-offs to loans | 0.3693% | 1,084 |
| Credit loss provision to net charge-offs | 17.8218% | 3,605 |
| Earnings coverage of net charge-offs (x) | 6.8534% | 3,013 |
| Efficiency ratio | 67.0851% | 4,030 |
| Assets per employee ($millions) | 3.2391% | 5,355 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6150% | 2,250 |
| Loan loss allowance to noncurrent loans | 168.5070% | 2,482 |
| Noncurrent assets plus other real estate owned to assets | 0.6942% | 3,735 |
| Noncurrent loans to loans | 0.9584% | 3,166 |
| Net loans and leases to total assets | 57.9942% | 4,073 |
| Net loans and leases to deposits | 74.8015% | 3,327 |
| Net loans and leases to core deposits | 78.4831% | 3,492 |
| Total domestic deposits to total assets | 77.5308% | 5,602 |
| Equity capital to assets | 13.3930% | 1,234 |
| Core capital (leverage) ratio | 12.6908% | 1,308 |
| Tier 1 risk-based capital ratio | 18.2432% | 2,137 |
| Total risk-based capital ratio | 19.4952% | 2,100 |
| Memoranda: | ||
| Average total assets | $314,096,250 | 2,084 |
| Average earning assets | $289,830,500 | 2,085 |
| Average equity | $39,952,000 | 1,791 |
| Average total loans | $182,339,750 | 2,213 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1561% | 3,120 |
| Cost of funding earning assets | 0.5292% | 2,549 |
| Net interest margin | 3.6270% | 3,250 |
| Noninterest income to average assets | 1.1310% | 921 |
| Noninterest expense to average assets | 3.0000% | 2,826 |
| Loan and lease loss provision to assets | 0.0382% | 3,534 |
| Net operating income to assets | 1.0374% | 2,179 |
| Return on assets (ROA) | 1.1112% | 1,965 |
| Pretax return on assets | 1.5430% | 1,416 |
| Return on Equity (ROE) | 8.8934% | 2,640 |
| Retained earnings to average equity (ytd only) | 8.8934% | 1,026 |
| Net charge-offs to loans | 0.1378% | 2,289 |
| Credit loss provision to net charge-offs | 48.0000% | 2,820 |
| Earnings coverage of net charge-offs (x) | 18.5760% | 1,673 |
| Efficiency ratio | 66.9842% | 4,196 |
| Assets per employee ($millions) | 3.1827% | 5,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8799% | 1,627 |
| Loan loss allowance to noncurrent loans | 155.1788% | 2,648 |
| Noncurrent assets plus other real estate owned to assets | 0.7570% | 3,702 |
| Noncurrent loans to loans | 1.2114% | 2,810 |
| Net loans and leases to total assets | 56.4858% | 4,203 |
| Net loans and leases to deposits | 68.1860% | 4,027 |
| Net loans and leases to core deposits | 71.0596% | 4,146 |
| Total domestic deposits to total assets | 82.8408% | 4,364 |
| Equity capital to assets | 13.3211% | 1,222 |
| Core capital (leverage) ratio | 12.2862% | 1,509 |
| Tier 1 risk-based capital ratio | 18.4876% | 2,071 |
| Total risk-based capital ratio | 19.7422% | 2,024 |
| Memoranda: | ||
| Average total assets | $314,063,330 | 2,081 |
| Average earning assets | $289,884,000 | 2,076 |
| Average equity | $39,242,670 | 1,807 |
| Average total loans | $181,384,330 | 2,217 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1710% | 2,978 |
| Cost of funding earning assets | 0.5381% | 2,522 |
| Net interest margin | 3.6328% | 3,132 |
| Noninterest income to average assets | 1.1290% | 870 |
| Noninterest expense to average assets | 2.9779% | 2,953 |
| Loan and lease loss provision to assets | 0.0379% | 3,305 |
| Net operating income to assets | 1.0482% | 2,014 |
| Return on assets (ROA) | 1.1391% | 1,734 |
| Pretax return on assets | 1.5900% | 1,195 |
| Return on Equity (ROE) | 9.4200% | 2,282 |
| Retained earnings to average equity (ytd only) | 9.4200% | 1,135 |
| Net charge-offs to loans | 0.1485% | 1,829 |
| Credit loss provision to net charge-offs | 44.1176% | 2,264 |
| Earnings coverage of net charge-offs (x) | 17.4853% | 1,457 |
| Efficiency ratio | 66.4787% | 4,451 |
| Assets per employee ($millions) | 3.2483% | 5,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8493% | 1,902 |
| Loan loss allowance to noncurrent loans | 167.4789% | 2,432 |
| Noncurrent assets plus other real estate owned to assets | 0.7249% | 3,948 |
| Noncurrent loans to loans | 1.1042% | 3,215 |
| Net loans and leases to total assets | 56.7313% | 4,045 |
| Net loans and leases to deposits | 68.6445% | 3,778 |
| Net loans and leases to core deposits | 71.9209% | 3,878 |
| Total domestic deposits to total assets | 82.6451% | 4,736 |
| Equity capital to assets | 12.4337% | 1,614 |
| Core capital (leverage) ratio | 11.9167% | 1,701 |
| Tier 1 risk-based capital ratio | 17.5972% | 2,450 |
| Total risk-based capital ratio | 18.8518% | 2,417 |
| Memoranda: | ||
| Average total assets | $316,735,000 | 2,071 |
| Average earning assets | $292,113,000 | 2,064 |
| Average equity | $38,301,500 | 1,840 |
| Average total loans | $183,214,500 | 2,197 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1173% | 3,672 |
| Cost of funding earning assets | 0.6122% | 2,553 |
| Net interest margin | 3.5050% | 3,883 |
| Noninterest income to average assets | 1.1164% | 1,125 |
| Noninterest expense to average assets | 3.0526% | 2,890 |
| Loan and lease loss provision to assets | 0.0535% | 4,072 |
| Net operating income to assets | 0.8917% | 2,826 |
| Return on assets (ROA) | 1.0950% | 2,024 |
| Pretax return on assets | 1.5261% | 1,358 |
| Return on Equity (ROE) | 9.0796% | 2,497 |
| Retained earnings to average equity (ytd only) | 5.1682% | 2,493 |
| Net charge-offs to loans | 0.0581% | 4,410 |
| Credit loss provision to net charge-offs | 165.0485% | 1,380 |
| Earnings coverage of net charge-offs (x) | 40.0485% | 951 |
| Efficiency ratio | 70.1778% | 3,811 |
| Assets per employee ($millions) | 3.2488% | 5,395 |
| Cash dividends to net income (ytd only)* | 43.0787% | 2,647 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8480% | 1,925 |
| Loan loss allowance to noncurrent loans | 191.2409% | 2,179 |
| Noncurrent assets plus other real estate owned to assets | 0.6480% | 4,289 |
| Noncurrent loans to loans | 0.9663% | 3,588 |
| Net loans and leases to total assets | 56.8190% | 4,217 |
| Net loans and leases to deposits | 70.6439% | 3,712 |
| Net loans and leases to core deposits | 74.0379% | 3,838 |
| Total domestic deposits to total assets | 80.4302% | 5,334 |
| Equity capital to assets | 11.7550% | 1,980 |
| Core capital (leverage) ratio | 11.5053% | 1,959 |
| Tier 1 risk-based capital ratio | 16.8936% | 2,661 |
| Total risk-based capital ratio | 18.1477% | 2,620 |
| Memoranda: | ||
| Average total assets | $317,995,000 | 2,023 |
| Average earning assets | $293,349,200 | 2,022 |
| Average equity | $38,349,600 | 1,813 |
| Average total loans | $177,212,200 | 2,224 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0620% | 3,888 |
| Cost of funding earning assets | 0.6258% | 2,599 |
| Net interest margin | 3.4362% | 4,140 |
| Noninterest income to average assets | 1.0934% | 1,220 |
| Noninterest expense to average assets | 2.9824% | 3,049 |
| Loan and lease loss provision to assets | 0.0168% | 4,676 |
| Net operating income to assets | 0.9015% | 2,828 |
| Return on assets (ROA) | 1.1576% | 1,850 |
| Pretax return on assets | 1.6261% | 1,279 |
| Return on Equity (ROE) | 9.5383% | 2,380 |
| Retained earnings to average equity (ytd only) | 4.3544% | 3,575 |
| Net charge-offs to loans | 0.0874% | 3,699 |
| Credit loss provision to net charge-offs | 34.7826% | 3,806 |
| Earnings coverage of net charge-offs (x) | 26.5825% | 1,344 |
| Efficiency ratio | 69.9351% | 3,770 |
| Assets per employee ($millions) | 3.1744% | 5,552 |
| Cash dividends to net income (ytd only)* | 54.3478% | 1,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8246% | 2,223 |
| Loan loss allowance to noncurrent loans | 193.2504% | 2,048 |
| Noncurrent assets plus other real estate owned to assets | 0.5976% | 4,646 |
| Noncurrent loans to loans | 0.9442% | 3,929 |
| Net loans and leases to total assets | 54.7763% | 4,487 |
| Net loans and leases to deposits | 69.6177% | 3,834 |
| Net loans and leases to core deposits | 72.6725% | 4,010 |
| Total domestic deposits to total assets | 78.6816% | 5,805 |
| Equity capital to assets | 11.6794% | 2,144 |
| Core capital (leverage) ratio | 11.2363% | 2,264 |
| Tier 1 risk-based capital ratio | 16.7456% | 2,843 |
| Total risk-based capital ratio | 17.9991% | 2,780 |
| Memoranda: | ||
| Average total assets | $317,898,000 | 2,031 |
| Average earning assets | $293,380,250 | 2,025 |
| Average equity | $38,580,500 | 1,818 |
| Average total loans | $175,438,250 | 2,255 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0160% | 4,042 |
| Cost of funding earning assets | 0.6376% | 2,609 |
| Net interest margin | 3.3785% | 4,272 |
| Noninterest income to average assets | 1.1571% | 1,139 |
| Noninterest expense to average assets | 2.9755% | 3,073 |
| Loan and lease loss provision to assets | 0.0189% | 4,516 |
| Net operating income to assets | 0.9046% | 2,767 |
| Return on assets (ROA) | 1.2089% | 1,675 |
| Pretax return on assets | 1.7168% | 1,081 |
| Return on Equity (ROE) | 9.8361% | 2,264 |
| Retained earnings to average equity (ytd only) | 9.8361% | 886 |
| Net charge-offs to loans | -0.1193% | 6,547 |
| Credit loss provision to net charge-offs | -28.8462% | 5,498 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5780% | 3,912 |
| Assets per employee ($millions) | 3.0397% | 5,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0064% | 1,833 |
| Loan loss allowance to noncurrent loans | 165.3810% | 2,336 |
| Noncurrent assets plus other real estate owned to assets | 0.7145% | 4,438 |
| Noncurrent loans to loans | 1.2132% | 3,526 |
| Net loans and leases to total assets | 54.1756% | 4,567 |
| Net loans and leases to deposits | 64.4997% | 4,436 |
| Net loans and leases to core deposits | 67.3314% | 4,563 |
| Total domestic deposits to total assets | 83.9936% | 4,321 |
| Equity capital to assets | 11.9243% | 1,964 |
| Core capital (leverage) ratio | 11.5778% | 1,870 |
| Tier 1 risk-based capital ratio | 17.4371% | 2,537 |
| Total risk-based capital ratio | 18.6923% | 2,507 |
| Memoranda: | ||
| Average total assets | $316,992,330 | 2,042 |
| Average earning assets | $292,676,670 | 2,029 |
| Average equity | $38,958,670 | 1,799 |
| Average total loans | $174,289,330 | 2,264 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0032% | 4,105 |
| Cost of funding earning assets | 0.6455% | 2,701 |
| Net interest margin | 3.3577% | 4,281 |
| Noninterest income to average assets | 1.1363% | 1,162 |
| Noninterest expense to average assets | 2.9498% | 3,161 |
| Loan and lease loss provision to assets | 0.0376% | 3,960 |
| Net operating income to assets | 0.8629% | 2,849 |
| Return on assets (ROA) | 1.3683% | 1,194 |
| Pretax return on assets | 1.9866% | 607 |
| Return on Equity (ROE) | 10.9728% | 1,719 |
| Retained earnings to average equity (ytd only) | 10.9728% | 883 |
| Net charge-offs to loans | -0.1761% | 6,650 |
| Credit loss provision to net charge-offs | -38.9610% | 5,030 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.5446% | 4,049 |
| Assets per employee ($millions) | 3.1028% | 5,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0038% | 2,034 |
| Loan loss allowance to noncurrent loans | 178.2721% | 2,078 |
| Noncurrent assets plus other real estate owned to assets | 0.6541% | 4,735 |
| Noncurrent loans to loans | 1.1240% | 3,905 |
| Net loans and leases to total assets | 53.2495% | 4,522 |
| Net loans and leases to deposits | 63.1199% | 4,403 |
| Net loans and leases to core deposits | 65.7874% | 4,557 |
| Total domestic deposits to total assets | 84.3625% | 4,328 |
| Equity capital to assets | 12.6048% | 1,647 |
| Core capital (leverage) ratio | 11.3242% | 2,001 |
| Tier 1 risk-based capital ratio | 17.2565% | 2,659 |
| Total risk-based capital ratio | 18.5121% | 2,625 |
| Memoranda: | ||
| Average total assets | $318,942,000 | 2,052 |
| Average earning assets | $294,963,000 | 2,040 |
| Average equity | $39,771,000 | 1,789 |
| Average total loans | $174,887,500 | 2,272 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3807% | 3,895 |
| Cost of funding earning assets | 0.7959% | 2,698 |
| Net interest margin | 3.5848% | 4,158 |
| Noninterest income to average assets | 1.1805% | 1,130 |
| Noninterest expense to average assets | 3.0293% | 3,166 |
| Loan and lease loss provision to assets | 0.1552% | 3,672 |
| Net operating income to assets | 0.9402% | 2,598 |
| Return on assets (ROA) | 1.2046% | 1,749 |
| Pretax return on assets | 1.6795% | 1,186 |
| Return on Equity (ROE) | 9.9943% | 2,168 |
| Retained earnings to average equity (ytd only) | 7.3656% | 1,389 |
| Net charge-offs to loans | 0.2563% | 3,404 |
| Credit loss provision to net charge-offs | 109.3750% | 2,685 |
| Earnings coverage of net charge-offs (x) | 10.3393% | 2,150 |
| Efficiency ratio | 67.3642% | 4,257 |
| Assets per employee ($millions) | 3.0904% | 5,858 |
| Cash dividends to net income (ytd only)* | 26.3019% | 3,519 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8779% | 2,359 |
| Loan loss allowance to noncurrent loans | 150.8812% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 0.7312% | 4,647 |
| Noncurrent loans to loans | 1.2446% | 3,762 |
| Net loans and leases to total assets | 54.2825% | 4,583 |
| Net loans and leases to deposits | 66.2267% | 4,252 |
| Net loans and leases to core deposits | 69.6890% | 4,357 |
| Total domestic deposits to total assets | 81.9646% | 5,113 |
| Equity capital to assets | 12.3366% | 1,835 |
| Core capital (leverage) ratio | 10.8862% | 2,353 |
| Tier 1 risk-based capital ratio | 16.4636% | 2,913 |
| Total risk-based capital ratio | 17.7182% | 2,878 |
| Memoranda: | ||
| Average total assets | $315,622,000 | 2,033 |
| Average earning assets | $291,983,400 | 2,025 |
| Average equity | $38,041,600 | 1,826 |
| Average total loans | $174,818,400 | 2,262 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4507% | 3,826 |
| Cost of funding earning assets | 0.8203% | 2,772 |
| Net interest margin | 3.6304% | 4,098 |
| Noninterest income to average assets | 1.1696% | 1,110 |
| Noninterest expense to average assets | 2.9991% | 3,238 |
| Loan and lease loss provision to assets | 0.1570% | 3,553 |
| Net operating income to assets | 0.9767% | 2,628 |
| Return on assets (ROA) | 1.2557% | 1,719 |
| Pretax return on assets | 1.7646% | 1,137 |
| Return on Equity (ROE) | 10.4816% | 2,143 |
| Retained earnings to average equity (ytd only) | 6.9393% | 2,162 |
| Net charge-offs to loans | 0.3945% | 2,512 |
| Credit loss provision to net charge-offs | 71.8447% | 3,860 |
| Earnings coverage of net charge-offs (x) | 6.9942% | 2,680 |
| Efficiency ratio | 66.2386% | 4,409 |
| Assets per employee ($millions) | 3.0934% | 5,868 |
| Cash dividends to net income (ytd only)* | 33.7952% | 2,446 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7967% | 2,810 |
| Loan loss allowance to noncurrent loans | 172.7123% | 2,013 |
| Noncurrent assets plus other real estate owned to assets | 0.6313% | 5,090 |
| Noncurrent loans to loans | 1.0403% | 4,362 |
| Net loans and leases to total assets | 54.6006% | 4,652 |
| Net loans and leases to deposits | 65.3215% | 4,557 |
| Net loans and leases to core deposits | 69.4066% | 4,573 |
| Total domestic deposits to total assets | 83.5875% | 4,394 |
| Equity capital to assets | 12.5193% | 1,878 |
| Core capital (leverage) ratio | 10.6998% | 2,701 |
| Tier 1 risk-based capital ratio | 16.0764% | 3,227 |
| Total risk-based capital ratio | 17.3300% | 3,193 |
| Memoranda: | ||
| Average total assets | $314,177,000 | 2,067 |
| Average earning assets | $290,611,000 | 2,056 |
| Average equity | $37,639,500 | 1,861 |
| Average total loans | $174,072,000 | 2,295 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4829% | 3,840 |
| Cost of funding earning assets | 0.8305% | 2,944 |
| Net interest margin | 3.6524% | 4,026 |
| Noninterest income to average assets | 1.1296% | 1,119 |
| Noninterest expense to average assets | 3.0141% | 3,210 |
| Loan and lease loss provision to assets | 0.1594% | 3,526 |
| Net operating income to assets | 0.9560% | 2,633 |
| Return on assets (ROA) | 1.1979% | 1,924 |
| Pretax return on assets | 1.6734% | 1,331 |
| Return on Equity (ROE) | 10.1515% | 2,294 |
| Retained earnings to average equity (ytd only) | 4.7489% | 3,444 |
| Net charge-offs to loans | 0.4792% | 2,152 |
| Credit loss provision to net charge-offs | 60.0962% | 3,793 |
| Earnings coverage of net charge-offs (x) | 5.6442% | 2,790 |
| Efficiency ratio | 66.8174% | 4,355 |
| Assets per employee ($millions) | 3.0457% | 5,970 |
| Cash dividends to net income (ytd only)* | 53.2198% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7807% | 2,919 |
| Loan loss allowance to noncurrent loans | 147.6887% | 2,279 |
| Noncurrent assets plus other real estate owned to assets | 0.7615% | 4,889 |
| Noncurrent loans to loans | 1.2057% | 4,143 |
| Net loans and leases to total assets | 54.5229% | 4,702 |
| Net loans and leases to deposits | 64.5853% | 4,687 |
| Net loans and leases to core deposits | 68.3561% | 4,747 |
| Total domestic deposits to total assets | 84.4200% | 4,130 |
| Equity capital to assets | 12.0100% | 2,138 |
| Core capital (leverage) ratio | 10.3501% | 2,985 |
| Tier 1 risk-based capital ratio | 15.4176% | 3,500 |
| Total risk-based capital ratio | 16.6707% | 3,459 |
| Memoranda: | ||
| Average total assets | $313,728,670 | 2,066 |
| Average earning assets | $290,437,000 | 2,048 |
| Average equity | $37,019,000 | 1,881 |
| Average total loans | $173,619,670 | 2,314 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5412% | 3,750 |
| Cost of funding earning assets | 0.8482% | 3,081 |
| Net interest margin | 3.6930% | 3,866 |
| Noninterest income to average assets | 1.1300% | 1,103 |
| Noninterest expense to average assets | 3.0095% | 3,210 |
| Loan and lease loss provision to assets | 0.1025% | 4,057 |
| Net operating income to assets | 1.0176% | 2,408 |
| Return on assets (ROA) | 1.2222% | 1,861 |
| Pretax return on assets | 1.7257% | 1,240 |
| Return on Equity (ROE) | 10.4526% | 2,254 |
| Retained earnings to average equity (ytd only) | -0.5040% | 6,080 |
| Net charge-offs to loans | 0.1067% | 3,490 |
| Credit loss provision to net charge-offs | 173.9130% | 1,468 |
| Earnings coverage of net charge-offs (x) | 26.1304% | 1,010 |
| Efficiency ratio | 66.1504% | 4,532 |
| Assets per employee ($millions) | 3.0502% | 6,060 |
| Cash dividends to net income (ytd only)* | 104.8218% | 511 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9546% | 2,507 |
| Loan loss allowance to noncurrent loans | 141.5038% | 2,275 |
| Noncurrent assets plus other real estate owned to assets | 0.9044% | 4,713 |
| Noncurrent loans to loans | 1.3813% | 4,046 |
| Net loans and leases to total assets | 52.6711% | 4,923 |
| Net loans and leases to deposits | 61.6095% | 4,971 |
| Net loans and leases to core deposits | 65.2350% | 4,994 |
| Total domestic deposits to total assets | 85.4919% | 3,797 |
| Equity capital to assets | 11.4957% | 2,449 |
| Core capital (leverage) ratio | 10.1890% | 3,122 |
| Tier 1 risk-based capital ratio | 15.1906% | 3,626 |
| Total risk-based capital ratio | 16.4454% | 3,584 |
| Memoranda: | ||
| Average total assets | $312,216,500 | 2,079 |
| Average earning assets | $289,087,500 | 2,070 |
| Average equity | $36,507,500 | 1,903 |
| Average total loans | $172,512,500 | 2,337 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9036% | 3,337 |
| Cost of funding earning assets | 1.0276% | 3,175 |
| Net interest margin | 3.8760% | 3,442 |
| Noninterest income to average assets | 1.2041% | 916 |
| Noninterest expense to average assets | 3.1142% | 3,150 |
| Loan and lease loss provision to assets | 0.2046% | 4,140 |
| Net operating income to assets | 1.0552% | 1,980 |
| Return on assets (ROA) | 1.1216% | 1,873 |
| Pretax return on assets | 1.5651% | 1,291 |
| Return on Equity (ROE) | 10.1711% | 2,001 |
| Retained earnings to average equity (ytd only) | 9.2807% | 730 |
| Net charge-offs to loans | 0.1648% | 4,834 |
| Credit loss provision to net charge-offs | 214.0411% | 1,143 |
| Earnings coverage of net charge-offs (x) | 17.5514% | 1,266 |
| Efficiency ratio | 64.9932% | 4,951 |
| Assets per employee ($millions) | 2.9539% | 6,189 |
| Cash dividends to net income (ytd only)* | 8.7540% | 3,888 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8882% | 2,604 |
| Loan loss allowance to noncurrent loans | 137.3750% | 2,316 |
| Noncurrent assets plus other real estate owned to assets | 0.9228% | 4,764 |
| Noncurrent loans to loans | 1.3745% | 4,082 |
| Net loans and leases to total assets | 55.7638% | 4,755 |
| Net loans and leases to deposits | 66.0633% | 4,720 |
| Net loans and leases to core deposits | 70.2372% | 4,748 |
| Total domestic deposits to total assets | 84.4097% | 4,133 |
| Equity capital to assets | 11.8967% | 2,202 |
| Core capital (leverage) ratio | 10.3504% | 2,913 |
| Tier 1 risk-based capital ratio | 15.4201% | 3,380 |
| Total risk-based capital ratio | 16.6747% | 3,329 |
| Memoranda: | ||
| Average total assets | $305,539,200 | 2,092 |
| Average earning assets | $282,790,200 | 2,073 |
| Average equity | $33,693,600 | 1,980 |
| Average total loans | $177,173,000 | 2,292 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9893% | 3,144 |
| Cost of funding earning assets | 1.0686% | 3,184 |
| Net interest margin | 3.9207% | 3,276 |
| Noninterest income to average assets | 1.2257% | 876 |
| Noninterest expense to average assets | 3.0999% | 3,161 |
| Loan and lease loss provision to assets | 0.2076% | 3,939 |
| Net operating income to assets | 1.1025% | 1,958 |
| Return on assets (ROA) | 1.1453% | 1,944 |
| Pretax return on assets | 1.6050% | 1,375 |
| Return on Equity (ROE) | 10.5961% | 1,994 |
| Retained earnings to average equity (ytd only) | 9.3832% | 1,018 |
| Net charge-offs to loans | 0.1312% | 4,737 |
| Credit loss provision to net charge-offs | 271.4286% | 1,056 |
| Earnings coverage of net charge-offs (x) | 22.9140% | 1,135 |
| Efficiency ratio | 63.8869% | 5,092 |
| Assets per employee ($millions) | 3.0049% | 6,108 |
| Cash dividends to net income (ytd only)* | 11.4460% | 3,232 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8535% | 2,774 |
| Loan loss allowance to noncurrent loans | 150.6230% | 2,030 |
| Noncurrent assets plus other real estate owned to assets | 0.8708% | 5,002 |
| Noncurrent loans to loans | 1.2305% | 4,482 |
| Net loans and leases to total assets | 56.3912% | 4,781 |
| Net loans and leases to deposits | 66.4087% | 4,842 |
| Net loans and leases to core deposits | 70.3741% | 4,906 |
| Total domestic deposits to total assets | 84.9154% | 3,809 |
| Equity capital to assets | 11.6967% | 2,502 |
| Core capital (leverage) ratio | 10.1587% | 3,232 |
| Tier 1 risk-based capital ratio | 14.9933% | 3,661 |
| Total risk-based capital ratio | 16.2477% | 3,630 |
| Memoranda: | ||
| Average total assets | $305,121,500 | 2,107 |
| Average earning assets | $282,222,250 | 2,085 |
| Average equity | $32,980,000 | 2,013 |
| Average total loans | $177,814,000 | 2,290 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9842% | 3,235 |
| Cost of funding earning assets | 1.1157% | 3,121 |
| Net interest margin | 3.8684% | 3,445 |
| Noninterest income to average assets | 1.2401% | 821 |
| Noninterest expense to average assets | 3.1038% | 3,239 |
| Loan and lease loss provision to assets | 0.2134% | 3,780 |
| Net operating income to assets | 1.0730% | 1,963 |
| Return on assets (ROA) | 1.1245% | 1,887 |
| Pretax return on assets | 1.5703% | 1,322 |
| Return on Equity (ROE) | 10.6985% | 1,900 |
| Retained earnings to average equity (ytd only) | 10.6985% | 723 |
| Net charge-offs to loans | 0.1435% | 4,336 |
| Credit loss provision to net charge-offs | 253.9063% | 1,194 |
| Earnings coverage of net charge-offs (x) | 20.3750% | 1,191 |
| Efficiency ratio | 64.4493% | 5,154 |
| Assets per employee ($millions) | 3.0181% | 6,046 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7747% | 3,079 |
| Loan loss allowance to noncurrent loans | 112.2116% | 2,576 |
| Noncurrent assets plus other real estate owned to assets | 1.1052% | 4,681 |
| Noncurrent loans to loans | 1.5816% | 4,024 |
| Net loans and leases to total assets | 57.3935% | 4,745 |
| Net loans and leases to deposits | 66.8334% | 4,879 |
| Net loans and leases to core deposits | 71.0929% | 4,940 |
| Total domestic deposits to total assets | 85.8756% | 3,394 |
| Equity capital to assets | 11.1280% | 2,837 |
| Core capital (leverage) ratio | 9.7545% | 3,585 |
| Tier 1 risk-based capital ratio | 14.4040% | 3,867 |
| Total risk-based capital ratio | 15.6573% | 3,833 |
| Memoranda: | ||
| Average total assets | $304,662,670 | 2,116 |
| Average earning assets | $281,611,670 | 2,090 |
| Average equity | $32,023,330 | 2,062 |
| Average total loans | $178,384,670 | 2,304 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8666% | 3,740 |
| Cost of funding earning assets | 1.1548% | 3,127 |
| Net interest margin | 3.7118% | 4,037 |
| Noninterest income to average assets | 1.2555% | 806 |
| Noninterest expense to average assets | 3.1296% | 3,144 |
| Loan and lease loss provision to assets | 0.2298% | 3,350 |
| Net operating income to assets | 0.9647% | 2,297 |
| Return on assets (ROA) | 1.0165% | 2,174 |
| Pretax return on assets | 1.3947% | 1,739 |
| Return on Equity (ROE) | 9.9632% | 2,111 |
| Retained earnings to average equity (ytd only) | 9.9632% | 1,121 |
| Net charge-offs to loans | 0.5826% | 2,030 |
| Credit loss provision to net charge-offs | 67.3077% | 3,400 |
| Earnings coverage of net charge-offs (x) | 4.5500% | 2,450 |
| Efficiency ratio | 66.8256% | 4,893 |
| Assets per employee ($millions) | 2.9309% | 6,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6233% | 3,640 |
| Loan loss allowance to noncurrent loans | 82.3277% | 3,447 |
| Noncurrent assets plus other real estate owned to assets | 1.3394% | 4,291 |
| Noncurrent loans to loans | 1.9717% | 3,608 |
| Net loans and leases to total assets | 56.6962% | 4,872 |
| Net loans and leases to deposits | 65.4327% | 5,058 |
| Net loans and leases to core deposits | 70.8617% | 4,943 |
| Total domestic deposits to total assets | 86.6481% | 3,152 |
| Equity capital to assets | 10.2723% | 3,440 |
| Core capital (leverage) ratio | 9.5247% | 3,766 |
| Tier 1 risk-based capital ratio | 13.8668% | 4,162 |
| Total risk-based capital ratio | 15.1183% | 4,136 |
| Memoranda: | ||
| Average total assets | $304,580,500 | 2,127 |
| Average earning assets | $281,267,000 | 2,104 |
| Average equity | $31,074,500 | 2,107 |
| Average total loans | $178,521,000 | 2,329 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9830% | 4,639 |
| Cost of funding earning assets | 1.4617% | 2,883 |
| Net interest margin | 3.5212% | 5,156 |
| Noninterest income to average assets | 1.2347% | 991 |
| Noninterest expense to average assets | 3.1337% | 3,332 |
| Loan and lease loss provision to assets | 0.5832% | 2,804 |
| Net operating income to assets | 0.6144% | 3,611 |
| Return on assets (ROA) | 0.7397% | 3,177 |
| Pretax return on assets | 0.9030% | 3,280 |
| Return on Equity (ROE) | 7.9123% | 2,733 |
| Retained earnings to average equity (ytd only) | 7.4350% | 1,168 |
| Net charge-offs to loans | 0.5910% | 3,259 |
| Credit loss provision to net charge-offs | 164.1294% | 2,104 |
| Earnings coverage of net charge-offs (x) | 3.7526% | 3,209 |
| Efficiency ratio | 70.1506% | 4,146 |
| Assets per employee ($millions) | 2.8983% | 6,327 |
| Cash dividends to net income (ytd only)* | 6.0329% | 3,857 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6495% | 3,399 |
| Loan loss allowance to noncurrent loans | 94.5756% | 3,032 |
| Noncurrent assets plus other real estate owned to assets | 1.1924% | 4,631 |
| Noncurrent loans to loans | 1.7442% | 3,891 |
| Net loans and leases to total assets | 58.6296% | 4,932 |
| Net loans and leases to deposits | 67.4875% | 5,166 |
| Net loans and leases to core deposits | 73.3688% | 5,056 |
| Total domestic deposits to total assets | 86.8748% | 2,894 |
| Equity capital to assets | 10.1310% | 3,582 |
| Core capital (leverage) ratio | 9.2469% | 4,094 |
| Tier 1 risk-based capital ratio | 13.5224% | 4,181 |
| Total risk-based capital ratio | 14.7744% | 4,150 |
| Memoranda: | ||
| Average total assets | $295,780,200 | 2,176 |
| Average earning assets | $271,525,600 | 2,171 |
| Average equity | $27,653,000 | 2,333 |
| Average total loans | $177,843,000 | 2,379 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9943% | 4,843 |
| Cost of funding earning assets | 1.5049% | 2,946 |
| Net interest margin | 3.4894% | 5,338 |
| Noninterest income to average assets | 1.1536% | 1,053 |
| Noninterest expense to average assets | 3.1212% | 3,235 |
| Loan and lease loss provision to assets | 0.6794% | 2,246 |
| Net operating income to assets | 0.4757% | 4,417 |
| Return on assets (ROA) | 0.6409% | 3,865 |
| Pretax return on assets | 0.7451% | 4,098 |
| Return on Equity (ROE) | 7.0051% | 3,345 |
| Retained earnings to average equity (ytd only) | 6.3516% | 2,173 |
| Net charge-offs to loans | 0.6600% | 2,783 |
| Credit loss provision to net charge-offs | 170.8428% | 2,175 |
| Earnings coverage of net charge-offs (x) | 3.0991% | 3,586 |
| Efficiency ratio | 71.6916% | 3,762 |
| Assets per employee ($millions) | 2.8654% | 6,453 |
| Cash dividends to net income (ytd only)* | 9.3289% | 3,335 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5961% | 3,537 |
| Loan loss allowance to noncurrent loans | 100.4831% | 2,771 |
| Noncurrent assets plus other real estate owned to assets | 1.1582% | 4,802 |
| Noncurrent loans to loans | 1.5884% | 4,260 |
| Net loans and leases to total assets | 59.1088% | 5,084 |
| Net loans and leases to deposits | 68.0971% | 5,407 |
| Net loans and leases to core deposits | 74.0026% | 5,292 |
| Total domestic deposits to total assets | 86.8007% | 2,647 |
| Equity capital to assets | 10.3551% | 3,692 |
| Core capital (leverage) ratio | 9.1958% | 4,381 |
| Tier 1 risk-based capital ratio | 13.0361% | 4,554 |
| Total risk-based capital ratio | 14.2909% | 4,527 |
| Memoranda: | ||
| Average total assets | $294,370,000 | 2,221 |
| Average earning assets | $269,952,750 | 2,212 |
| Average equity | $26,932,000 | 2,420 |
| Average total loans | $177,382,250 | 2,415 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9578% | 5,144 |
| Cost of funding earning assets | 1.5462% | 2,980 |
| Net interest margin | 3.4116% | 5,595 |
| Noninterest income to average assets | 0.9950% | 1,391 |
| Noninterest expense to average assets | 3.0599% | 3,472 |
| Loan and lease loss provision to assets | 0.7725% | 1,863 |
| Net operating income to assets | 0.2759% | 5,275 |
| Return on assets (ROA) | 0.5027% | 4,463 |
| Pretax return on assets | 0.5260% | 4,827 |
| Return on Equity (ROE) | 5.7580% | 3,914 |
| Retained earnings to average equity (ytd only) | 4.7197% | 3,072 |
| Net charge-offs to loans | 0.8594% | 2,110 |
| Credit loss provision to net charge-offs | 149.0066% | 2,650 |
| Earnings coverage of net charge-offs (x) | 2.0490% | 3,998 |
| Efficiency ratio | 74.2296% | 3,432 |
| Assets per employee ($millions) | 2.7926% | 6,586 |
| Cash dividends to net income (ytd only)* | 18.0328% | 2,949 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5035% | 3,918 |
| Loan loss allowance to noncurrent loans | 79.0255% | 3,435 |
| Noncurrent assets plus other real estate owned to assets | 1.2543% | 4,642 |
| Noncurrent loans to loans | 1.9025% | 3,864 |
| Net loans and leases to total assets | 58.8693% | 5,270 |
| Net loans and leases to deposits | 66.2029% | 5,780 |
| Net loans and leases to core deposits | 71.7311% | 5,701 |
| Total domestic deposits to total assets | 88.9225% | 1,482 |
| Equity capital to assets | 8.7418% | 5,821 |
| Core capital (leverage) ratio | 7.7333% | 6,576 |
| Tier 1 risk-based capital ratio | 10.9242% | 6,314 |
| Total risk-based capital ratio | 12.1750% | 6,303 |
| Memoranda: | ||
| Average total assets | $291,248,330 | 2,258 |
| Average earning assets | $266,970,670 | 2,253 |
| Average equity | $25,425,330 | 2,546 |
| Average total loans | $175,694,330 | 2,475 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8911% | 5,502 |
| Cost of funding earning assets | 1.5956% | 2,993 |
| Net interest margin | 3.2955% | 5,990 |
| Noninterest income to average assets | 1.1230% | 993 |
| Noninterest expense to average assets | 3.0450% | 3,498 |
| Loan and lease loss provision to assets | 0.3808% | 3,079 |
| Net operating income to assets | 0.5760% | 4,000 |
| Return on assets (ROA) | 0.7311% | 3,405 |
| Pretax return on assets | 0.9084% | 3,434 |
| Return on Equity (ROE) | 8.3811% | 2,702 |
| Retained earnings to average equity (ytd only) | 7.3335% | 2,000 |
| Net charge-offs to loans | 0.0228% | 5,257 |
| Credit loss provision to net charge-offs | 2,750.0000% | 185 |
| Earnings coverage of net charge-offs (x) | 79.1000% | 392 |
| Efficiency ratio | 73.5452% | 3,651 |
| Assets per employee ($millions) | 2.7282% | 6,809 |
| Cash dividends to net income (ytd only)* | 12.5000% | 2,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4737% | 4,050 |
| Loan loss allowance to noncurrent loans | 110.6061% | 2,500 |
| Noncurrent assets plus other real estate owned to assets | 1.0159% | 5,126 |
| Noncurrent loans to loans | 1.3324% | 4,753 |
| Net loans and leases to total assets | 59.0673% | 5,276 |
| Net loans and leases to deposits | 66.7103% | 5,745 |
| Net loans and leases to core deposits | 72.8850% | 5,621 |
| Total domestic deposits to total assets | 88.5430% | 1,766 |
| Equity capital to assets | 8.7747% | 5,600 |
| Core capital (leverage) ratio | 7.7936% | 6,515 |
| Tier 1 risk-based capital ratio | 10.9775% | 6,180 |
| Total risk-based capital ratio | 12.2279% | 6,146 |
| Memoranda: | ||
| Average total assets | $288,865,000 | 2,320 |
| Average earning assets | $264,483,000 | 2,318 |
| Average equity | $25,199,500 | 2,592 |
| Average total loans | $175,080,500 | 2,540 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3743% | 4,815 |
| Cost of funding earning assets | 2.0245% | 2,847 |
| Net interest margin | 3.3498% | 5,555 |
| Noninterest income to average assets | 1.2821% | 918 |
| Noninterest expense to average assets | 3.0878% | 3,800 |
| Loan and lease loss provision to assets | 0.8795% | 2,551 |
| Net operating income to assets | 0.3432% | 4,360 |
| Return on assets (ROA) | 0.5222% | 3,727 |
| Pretax return on assets | 0.5857% | 3,945 |
| Return on Equity (ROE) | 6.2734% | 3,092 |
| Retained earnings to average equity (ytd only) | 2.7285% | 3,245 |
| Net charge-offs to loans | 1.2133% | 2,030 |
| Credit loss provision to net charge-offs | 116.0433% | 4,679 |
| Earnings coverage of net charge-offs (x) | 1.6679% | 4,491 |
| Efficiency ratio | 70.9543% | 4,447 |
| Assets per employee ($millions) | 2.6231% | 6,995 |
| Cash dividends to net income (ytd only)* | 56.5075% | 2,174 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2953% | 4,796 |
| Loan loss allowance to noncurrent loans | 117.1955% | 2,407 |
| Noncurrent assets plus other real estate owned to assets | 0.8100% | 5,483 |
| Noncurrent loans to loans | 1.1053% | 5,116 |
| Net loans and leases to total assets | 60.4767% | 5,264 |
| Net loans and leases to deposits | 68.3348% | 5,788 |
| Net loans and leases to core deposits | 88.4734% | 5,276 |
| Total domestic deposits to total assets | 88.5006% | 1,726 |
| Equity capital to assets | 8.6724% | 5,626 |
| Core capital (leverage) ratio | 7.4413% | 6,843 |
| Tier 1 risk-based capital ratio | 10.6983% | 6,208 |
| Total risk-based capital ratio | 11.8325% | 6,298 |
| Memoranda: | ||
| Average total assets | $292,795,000 | 2,263 |
| Average earning assets | $268,315,800 | 2,253 |
| Average equity | $24,372,600 | 2,675 |
| Average total loans | $182,892,200 | 2,478 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4608% | 4,628 |
| Cost of funding earning assets | 2.0927% | 2,920 |
| Net interest margin | 3.3682% | 5,386 |
| Noninterest income to average assets | 1.2228% | 1,027 |
| Noninterest expense to average assets | 3.0195% | 3,969 |
| Loan and lease loss provision to assets | 0.9755% | 1,969 |
| Net operating income to assets | 0.2955% | 4,803 |
| Return on assets (ROA) | 0.4818% | 4,163 |
| Pretax return on assets | 0.5136% | 4,474 |
| Return on Equity (ROE) | 5.8487% | 3,586 |
| Retained earnings to average equity (ytd only) | 1.4539% | 4,502 |
| Net charge-offs to loans | 0.9890% | 1,991 |
| Credit loss provision to net charge-offs | 157.1637% | 3,032 |
| Earnings coverage of net charge-offs (x) | 2.0797% | 4,266 |
| Efficiency ratio | 70.0526% | 4,578 |
| Assets per employee ($millions) | 2.6278% | 6,995 |
| Cash dividends to net income (ytd only)* | 75.1412% | 1,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4845% | 3,524 |
| Loan loss allowance to noncurrent loans | 114.5508% | 2,462 |
| Noncurrent assets plus other real estate owned to assets | 0.9826% | 5,096 |
| Noncurrent loans to loans | 1.2959% | 4,778 |
| Net loans and leases to total assets | 61.2424% | 5,370 |
| Net loans and leases to deposits | 70.9396% | 5,799 |
| Net loans and leases to core deposits | 94.0642% | 5,006 |
| Total domestic deposits to total assets | 86.3304% | 2,522 |
| Equity capital to assets | 8.6124% | 6,100 |
| Core capital (leverage) ratio | 7.2635% | 7,214 |
| Tier 1 risk-based capital ratio | 10.3309% | 6,646 |
| Total risk-based capital ratio | 11.5819% | 6,589 |
| Memoranda: | ||
| Average total assets | $293,859,750 | 2,274 |
| Average earning assets | $269,379,000 | 2,264 |
| Average equity | $24,210,000 | 2,716 |
| Average total loans | $184,418,500 | 2,487 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4882% | 4,702 |
| Cost of funding earning assets | 2.1654% | 2,960 |
| Net interest margin | 3.3228% | 5,462 |
| Noninterest income to average assets | 1.2700% | 945 |
| Noninterest expense to average assets | 3.0213% | 4,002 |
| Loan and lease loss provision to assets | 1.2938% | 1,325 |
| Net operating income to assets | 0.0667% | 5,656 |
| Return on assets (ROA) | 0.3343% | 4,855 |
| Pretax return on assets | 0.2662% | 5,281 |
| Return on Equity (ROE) | 4.1207% | 4,446 |
| Retained earnings to average equity (ytd only) | -1.1833% | 5,531 |
| Net charge-offs to loans | 1.4818% | 1,278 |
| Credit loss provision to net charge-offs | 138.6861% | 3,369 |
| Earnings coverage of net charge-offs (x) | 1.3854% | 4,491 |
| Efficiency ratio | 70.0395% | 4,773 |
| Assets per employee ($millions) | 2.6826% | 6,871 |
| Cash dividends to net income (ytd only)* | 128.7169% | 452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3412% | 4,027 |
| Loan loss allowance to noncurrent loans | 104.0980% | 2,796 |
| Noncurrent assets plus other real estate owned to assets | 0.9790% | 5,014 |
| Noncurrent loans to loans | 1.2884% | 4,623 |
| Net loans and leases to total assets | 61.4227% | 5,450 |
| Net loans and leases to deposits | 70.3960% | 5,938 |
| Net loans and leases to core deposits | 93.5575% | 5,167 |
| Total domestic deposits to total assets | 87.2531% | 2,124 |
| Equity capital to assets | 7.9581% | 6,803 |
| Core capital (leverage) ratio | 7.0325% | 7,513 |
| Tier 1 risk-based capital ratio | 10.0906% | 6,831 |
| Total risk-based capital ratio | 11.2863% | 6,806 |
| Memoranda: | ||
| Average total assets | $293,710,000 | 2,295 |
| Average earning assets | $269,048,000 | 2,283 |
| Average equity | $23,831,000 | 2,774 |
| Average total loans | $184,905,330 | 2,514 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6282% | 4,189 |
| Cost of funding earning assets | 2.2241% | 3,041 |
| Net interest margin | 3.4041% | 5,124 |
| Noninterest income to average assets | 1.1726% | 1,064 |
| Noninterest expense to average assets | 2.9882% | 3,818 |
| Loan and lease loss provision to assets | 0.4778% | 2,564 |
| Net operating income to assets | 0.6530% | 3,784 |
| Return on assets (ROA) | 0.7167% | 3,671 |
| Pretax return on assets | 0.9023% | 3,703 |
| Return on Equity (ROE) | 8.7482% | 2,819 |
| Retained earnings to average equity (ytd only) | -0.6832% | 5,809 |
| Net charge-offs to loans | 0.0043% | 5,653 |
| Credit loss provision to net charge-offs | 17,500.0000% | 28 |
| Earnings coverage of net charge-offs (x) | 476.0000% | 62 |
| Efficiency ratio | 69.6912% | 4,646 |
| Assets per employee ($millions) | 2.7319% | 6,804 |
| Cash dividends to net income (ytd only)* | 107.8095% | 681 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2353% | 4,550 |
| Loan loss allowance to noncurrent loans | 137.9686% | 2,320 |
| Noncurrent assets plus other real estate owned to assets | 0.6656% | 5,502 |
| Noncurrent loans to loans | 0.8953% | 5,213 |
| Net loans and leases to total assets | 61.2720% | 5,453 |
| Net loans and leases to deposits | 70.6868% | 5,907 |
| Net loans and leases to core deposits | 93.8404% | 5,171 |
| Total domestic deposits to total assets | 86.6811% | 2,368 |
| Equity capital to assets | 8.0632% | 6,725 |
| Core capital (leverage) ratio | 7.1819% | 7,499 |
| Tier 1 risk-based capital ratio | 9.9744% | 6,958 |
| Total risk-based capital ratio | 11.0658% | 7,033 |
| Memoranda: | ||
| Average total assets | $293,023,500 | 2,314 |
| Average earning assets | $268,148,000 | 2,305 |
| Average equity | $24,005,000 | 2,766 |
| Average total loans | $185,502,000 | 2,528 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9119% | 5,980 |
| Cost of funding earning assets | 2.8680% | 2,403 |
| Net interest margin | 3.0438% | 6,803 |
| Noninterest income to average assets | 0.9877% | 1,618 |
| Noninterest expense to average assets | 3.0118% | 4,043 |
| Loan and lease loss provision to assets | 0.1056% | 6,021 |
| Net operating income to assets | 0.5390% | 4,580 |
| Return on assets (ROA) | 0.5482% | 4,388 |
| Pretax return on assets | 0.6719% | 4,475 |
| Return on Equity (ROE) | 7.0634% | 3,498 |
| Retained earnings to average equity (ytd only) | 5.3777% | 1,823 |
| Net charge-offs to loans | 0.0788% | 5,636 |
| Credit loss provision to net charge-offs | 218.3099% | 2,201 |
| Earnings coverage of net charge-offs (x) | 15.8380% | 1,898 |
| Efficiency ratio | 75.5073% | 3,326 |
| Assets per employee ($millions) | 2.6207% | 6,962 |
| Cash dividends to net income (ytd only)* | 23.8658% | 4,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0383% | 5,724 |
| Loan loss allowance to noncurrent loans | 162.3846% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.6799% | 5,188 |
| Noncurrent loans to loans | 0.6394% | 5,448 |
| Net loans and leases to total assets | 63.9448% | 5,282 |
| Net loans and leases to deposits | 77.1930% | 5,446 |
| Net loans and leases to core deposits | 102.6735% | 4,534 |
| Total domestic deposits to total assets | 82.8376% | 3,834 |
| Equity capital to assets | 8.3254% | 6,381 |
| Core capital (leverage) ratio | 7.3034% | 7,415 |
| Tier 1 risk-based capital ratio | 10.0169% | 6,717 |
| Total risk-based capital ratio | 10.9447% | 6,998 |
| Memoranda: | ||
| Average total assets | $293,510,400 | 2,234 |
| Average earning assets | $269,069,600 | 2,235 |
| Average equity | $22,779,400 | 2,875 |
| Average total loans | $180,307,800 | 2,495 |