Home > Lighthouse Bank > Performance and Condition Ratios
Lighthouse Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7420% | 392 |
| Cost of funding earning assets | 0.6527% | 3,441 |
| Net interest margin | 5.0892% | 240 |
| Noninterest income to average assets | 0.1036% | 4,974 |
| Noninterest expense to average assets | 2.6303% | 3,077 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.5756% | 986 |
| Return on assets (ROA) | 1.5756% | 1,043 |
| Pretax return on assets | 2.2453% | 417 |
| Return on Equity (ROE) | 12.1013% | 1,580 |
| Retained earnings to average equity (ytd only) | 9.5421% | 884 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.9479% | 4,399 |
| Assets per employee ($millions) | 10.3814% | 315 |
| Cash dividends to net income (ytd only)* | 21.1476% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3826% | 256 |
| Loan loss allowance to noncurrent loans | 2,741.6244% | 253 |
| Noncurrent assets plus other real estate owned to assets | 0.0612% | 4,406 |
| Noncurrent loans to loans | 0.0869% | 4,255 |
| Net loans and leases to total assets | 68.7594% | 2,664 |
| Net loans and leases to deposits | 79.8870% | 2,910 |
| Net loans and leases to core deposits | 93.4145% | 2,232 |
| Total domestic deposits to total assets | 86.0709% | 1,965 |
| Equity capital to assets | 13.3192% | 1,457 |
| Core capital (leverage) ratio | 13.2443% | 1,235 |
| Tier 1 risk-based capital ratio | 15.5579% | 2,619 |
| Total risk-based capital ratio | 16.8174% | 2,557 |
| Memoranda: | ||
| Average total assets | $314,125,000 | 2,088 |
| Average earning assets | $294,549,500 | 2,073 |
| Average equity | $40,898,250 | 1,896 |
| Average total loans | $233,951,250 | 1,948 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8461% | 308 |
| Cost of funding earning assets | 0.6260% | 3,523 |
| Net interest margin | 5.2201% | 189 |
| Noninterest income to average assets | 0.0989% | 5,043 |
| Noninterest expense to average assets | 2.6467% | 3,069 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 1.6055% | 899 |
| Return on assets (ROA) | 1.6055% | 937 |
| Pretax return on assets | 2.3392% | 325 |
| Return on Equity (ROE) | 12.4295% | 1,439 |
| Retained earnings to average equity (ytd only) | 9.8402% | 806 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0836% | 4,553 |
| Assets per employee ($millions) | 9.3041% | 416 |
| Cash dividends to net income (ytd only)* | 20.8317% | 2,995 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3521% | 273 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,834 |
| Noncurrent loans to loans | 0.0000% | 4,745 |
| Net loans and leases to total assets | 70.8793% | 2,412 |
| Net loans and leases to deposits | 82.0365% | 2,727 |
| Net loans and leases to core deposits | 94.9461% | 2,162 |
| Total domestic deposits to total assets | 86.3997% | 1,855 |
| Equity capital to assets | 13.0765% | 1,554 |
| Core capital (leverage) ratio | 13.0080% | 1,294 |
| Tier 1 risk-based capital ratio | 14.8886% | 2,888 |
| Total risk-based capital ratio | 16.1478% | 2,805 |
| Memoranda: | ||
| Average total assets | $311,559,330 | 2,106 |
| Average earning assets | $291,683,000 | 2,091 |
| Average equity | $40,243,000 | 1,919 |
| Average total loans | $236,373,670 | 1,932 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8240% | 298 |
| Cost of funding earning assets | 0.6035% | 3,551 |
| Net interest margin | 5.2206% | 195 |
| Noninterest income to average assets | 0.1009% | 5,075 |
| Noninterest expense to average assets | 2.5733% | 3,286 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.7246% | 696 |
| Return on assets (ROA) | 1.7246% | 723 |
| Pretax return on assets | 2.4297% | 277 |
| Return on Equity (ROE) | 13.4370% | 1,100 |
| Retained earnings to average equity (ytd only) | 10.8161% | 841 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4352% | 4,734 |
| Assets per employee ($millions) | 9.8250% | 358 |
| Cash dividends to net income (ytd only)* | 19.5049% | 2,477 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2920% | 303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,905 |
| Noncurrent loans to loans | 0.0000% | 4,814 |
| Net loans and leases to total assets | 73.2338% | 1,940 |
| Net loans and leases to deposits | 84.5958% | 2,316 |
| Net loans and leases to core deposits | 96.4648% | 1,893 |
| Total domestic deposits to total assets | 86.5690% | 2,026 |
| Equity capital to assets | 12.8136% | 1,560 |
| Core capital (leverage) ratio | 13.0490% | 1,248 |
| Tier 1 risk-based capital ratio | 14.2128% | 3,239 |
| Total risk-based capital ratio | 15.4715% | 3,157 |
| Memoranda: | ||
| Average total assets | $309,169,500 | 2,129 |
| Average earning assets | $290,314,000 | 2,112 |
| Average equity | $39,681,500 | 1,934 |
| Average total loans | $239,750,500 | 1,917 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9190% | 190 |
| Cost of funding earning assets | 0.3920% | 4,034 |
| Net interest margin | 5.5270% | 106 |
| Noninterest income to average assets | 0.1096% | 5,122 |
| Noninterest expense to average assets | 2.5851% | 3,378 |
| Loan and lease loss provision to assets | 0.2521% | 678 |
| Net operating income to assets | 1.7459% | 622 |
| Return on assets (ROA) | 1.7459% | 615 |
| Pretax return on assets | 2.4376% | 235 |
| Return on Equity (ROE) | 13.4657% | 1,186 |
| Retained earnings to average equity (ytd only) | 10.7846% | 473 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.0078% | 4,997 |
| Assets per employee ($millions) | 8.6840% | 515 |
| Cash dividends to net income (ytd only)* | 19.9109% | 3,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2149% | 324 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,937 |
| Noncurrent loans to loans | 0.0000% | 4,837 |
| Net loans and leases to total assets | 78.4539% | 1,190 |
| Net loans and leases to deposits | 91.4478% | 1,609 |
| Net loans and leases to core deposits | 104.3937% | 1,384 |
| Total domestic deposits to total assets | 85.7909% | 2,330 |
| Equity capital to assets | 12.8569% | 1,412 |
| Core capital (leverage) ratio | 13.0229% | 1,241 |
| Tier 1 risk-based capital ratio | 13.6941% | 3,443 |
| Total risk-based capital ratio | 14.9529% | 3,362 |
| Memoranda: | ||
| Average total assets | $282,779,400 | 2,253 |
| Average earning assets | $264,267,400 | 2,233 |
| Average equity | $36,663,400 | 2,000 |
| Average total loans | $229,419,600 | 1,949 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8796% | 188 |
| Cost of funding earning assets | 0.3399% | 4,247 |
| Net interest margin | 5.5397% | 103 |
| Noninterest income to average assets | 0.1105% | 5,172 |
| Noninterest expense to average assets | 2.6287% | 3,202 |
| Loan and lease loss provision to assets | 0.3426% | 398 |
| Net operating income to assets | 1.6039% | 954 |
| Return on assets (ROA) | 1.6039% | 958 |
| Pretax return on assets | 2.3073% | 335 |
| Return on Equity (ROE) | 12.3421% | 1,661 |
| Retained earnings to average equity (ytd only) | 9.6688% | 1,006 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.7997% | 4,954 |
| Assets per employee ($millions) | 8.7657% | 482 |
| Cash dividends to net income (ytd only)* | 21.6597% | 2,942 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2932% | 310 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,046 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 77.2137% | 1,463 |
| Net loans and leases to deposits | 88.7026% | 2,065 |
| Net loans and leases to core deposits | 99.6691% | 1,820 |
| Total domestic deposits to total assets | 87.0478% | 1,706 |
| Equity capital to assets | 12.6237% | 1,511 |
| Core capital (leverage) ratio | 12.9974% | 1,279 |
| Tier 1 risk-based capital ratio | 13.5143% | 3,622 |
| Total risk-based capital ratio | 14.7736% | 3,526 |
| Memoranda: | ||
| Average total assets | $277,489,500 | 2,295 |
| Average earning assets | $258,877,750 | 2,284 |
| Average equity | $36,060,000 | 2,032 |
| Average total loans | $225,811,250 | 1,987 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8077% | 200 |
| Cost of funding earning assets | 0.2747% | 4,603 |
| Net interest margin | 5.5330% | 103 |
| Noninterest income to average assets | 0.1086% | 5,240 |
| Noninterest expense to average assets | 2.6441% | 3,179 |
| Loan and lease loss provision to assets | 0.1958% | 878 |
| Net operating income to assets | 1.6849% | 747 |
| Return on assets (ROA) | 1.6849% | 753 |
| Pretax return on assets | 2.4194% | 260 |
| Return on Equity (ROE) | 12.8310% | 1,429 |
| Retained earnings to average equity (ytd only) | 10.2198% | 864 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.2740% | 5,014 |
| Assets per employee ($millions) | 9.0930% | 428 |
| Cash dividends to net income (ytd only)* | 20.3509% | 2,981 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1664% | 397 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,076 |
| Noncurrent loans to loans | 0.0000% | 4,980 |
| Net loans and leases to total assets | 79.3683% | 1,113 |
| Net loans and leases to deposits | 91.3089% | 1,670 |
| Net loans and leases to core deposits | 98.4281% | 1,863 |
| Total domestic deposits to total assets | 86.9229% | 1,871 |
| Equity capital to assets | 13.0051% | 1,288 |
| Core capital (leverage) ratio | 13.6033% | 1,033 |
| Tier 1 risk-based capital ratio | 13.5776% | 3,574 |
| Total risk-based capital ratio | 14.8357% | 3,484 |
| Memoranda: | ||
| Average total assets | $270,641,330 | 2,347 |
| Average earning assets | $251,942,670 | 2,344 |
| Average equity | $35,539,000 | 2,064 |
| Average total loans | $222,573,670 | 2,012 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7643% | 196 |
| Cost of funding earning assets | 0.2434% | 4,753 |
| Net interest margin | 5.5209% | 105 |
| Noninterest income to average assets | 0.1026% | 5,317 |
| Noninterest expense to average assets | 2.7198% | 2,976 |
| Loan and lease loss provision to assets | 0.3305% | 373 |
| Net operating income to assets | 1.5667% | 921 |
| Return on assets (ROA) | 1.5667% | 935 |
| Pretax return on assets | 2.2217% | 364 |
| Return on Equity (ROE) | 11.8700% | 1,628 |
| Retained earnings to average equity (ytd only) | 9.2284% | 1,387 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5889% | 4,991 |
| Assets per employee ($millions) | 8.6767% | 496 |
| Cash dividends to net income (ytd only)* | 22.2543% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1659% | 413 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,153 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 82.4216% | 612 |
| Net loans and leases to deposits | 95.2679% | 1,098 |
| Net loans and leases to core deposits | 99.7965% | 1,707 |
| Total domestic deposits to total assets | 86.5156% | 2,311 |
| Equity capital to assets | 13.2278% | 1,143 |
| Core capital (leverage) ratio | 13.4655% | 1,017 |
| Tier 1 risk-based capital ratio | 13.5467% | 3,634 |
| Total risk-based capital ratio | 14.8054% | 3,535 |
| Memoranda: | ||
| Average total assets | $265,021,000 | 2,402 |
| Average earning assets | $248,148,500 | 2,396 |
| Average equity | $34,979,000 | 2,099 |
| Average total loans | $219,521,000 | 2,045 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3308% | 346 |
| Cost of funding earning assets | 0.2510% | 4,552 |
| Net interest margin | 5.0798% | 206 |
| Noninterest income to average assets | 0.2182% | 4,843 |
| Noninterest expense to average assets | 2.6337% | 3,339 |
| Loan and lease loss provision to assets | 0.2734% | 655 |
| Net operating income to assets | 1.2380% | 1,400 |
| Return on assets (ROA) | 1.2380% | 1,418 |
| Pretax return on assets | 2.0363% | 451 |
| Return on Equity (ROE) | 9.1950% | 2,214 |
| Retained earnings to average equity (ytd only) | 6.6050% | 1,228 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2773% | 5,011 |
| Assets per employee ($millions) | 8.1583% | 606 |
| Cash dividends to net income (ytd only)* | 28.1676% | 3,372 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2072% | 366 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,206 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 79.5778% | 1,019 |
| Net loans and leases to deposits | 91.8873% | 1,540 |
| Net loans and leases to core deposits | 97.1880% | 1,923 |
| Total domestic deposits to total assets | 86.6037% | 2,186 |
| Equity capital to assets | 13.1684% | 1,181 |
| Core capital (leverage) ratio | 13.3331% | 1,026 |
| Tier 1 risk-based capital ratio | 13.4371% | 3,665 |
| Total risk-based capital ratio | 14.6950% | 3,568 |
| Memoranda: | ||
| Average total assets | $242,887,200 | 2,541 |
| Average earning assets | $225,933,800 | 2,537 |
| Average equity | $32,702,400 | 2,189 |
| Average total loans | $186,770,600 | 2,271 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2855% | 353 |
| Cost of funding earning assets | 0.2518% | 4,550 |
| Net interest margin | 5.0337% | 212 |
| Noninterest income to average assets | 0.2523% | 4,697 |
| Noninterest expense to average assets | 2.5979% | 3,416 |
| Loan and lease loss provision to assets | 0.1880% | 1,037 |
| Net operating income to assets | 1.3834% | 1,126 |
| Return on assets (ROA) | 1.3834% | 1,142 |
| Pretax return on assets | 2.1408% | 414 |
| Return on Equity (ROE) | 10.2134% | 2,032 |
| Retained earnings to average equity (ytd only) | 7.6611% | 1,366 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.7308% | 5,045 |
| Assets per employee ($millions) | 8.8451% | 463 |
| Cash dividends to net income (ytd only)* | 24.9899% | 2,944 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2619% | 369 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,287 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 73.4637% | 2,009 |
| Net loans and leases to deposits | 85.0212% | 2,431 |
| Net loans and leases to core deposits | 89.8849% | 2,621 |
| Total domestic deposits to total assets | 86.4063% | 2,129 |
| Equity capital to assets | 13.2619% | 1,269 |
| Core capital (leverage) ratio | 13.5706% | 999 |
| Tier 1 risk-based capital ratio | 14.5959% | 3,134 |
| Total risk-based capital ratio | 15.8544% | 3,044 |
| Memoranda: | ||
| Average total assets | $238,343,000 | 2,594 |
| Average earning assets | $221,327,750 | 2,594 |
| Average equity | $32,283,500 | 2,223 |
| Average total loans | $180,353,750 | 2,331 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2110% | 391 |
| Cost of funding earning assets | 0.2513% | 4,528 |
| Net interest margin | 4.9596% | 237 |
| Noninterest income to average assets | 0.1197% | 5,454 |
| Noninterest expense to average assets | 2.5778% | 3,499 |
| Loan and lease loss provision to assets | 0.0482% | 3,027 |
| Net operating income to assets | 1.2872% | 1,328 |
| Return on assets (ROA) | 1.2872% | 1,357 |
| Pretax return on assets | 2.0983% | 445 |
| Return on Equity (ROE) | 9.4306% | 2,303 |
| Retained earnings to average equity (ytd only) | 6.9704% | 1,607 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5653% | 4,969 |
| Assets per employee ($millions) | 8.7065% | 463 |
| Cash dividends to net income (ytd only)* | 26.0870% | 2,897 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2068% | 433 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,332 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 74.1844% | 1,834 |
| Net loans and leases to deposits | 85.9291% | 2,235 |
| Net loans and leases to core deposits | 91.2282% | 2,403 |
| Total domestic deposits to total assets | 86.3321% | 2,227 |
| Equity capital to assets | 13.3787% | 1,195 |
| Core capital (leverage) ratio | 13.8741% | 893 |
| Tier 1 risk-based capital ratio | 14.5213% | 3,154 |
| Total risk-based capital ratio | 15.7793% | 3,076 |
| Memoranda: | ||
| Average total assets | $232,287,670 | 2,656 |
| Average earning assets | $215,661,000 | 2,650 |
| Average equity | $31,705,330 | 2,247 |
| Average total loans | $176,204,330 | 2,378 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1793% | 390 |
| Cost of funding earning assets | 0.2514% | 4,522 |
| Net interest margin | 4.9279% | 251 |
| Noninterest income to average assets | 0.1148% | 5,535 |
| Noninterest expense to average assets | 2.5991% | 3,510 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.2519% | 1,372 |
| Return on assets (ROA) | 1.2519% | 1,405 |
| Pretax return on assets | 2.0835% | 426 |
| Return on Equity (ROE) | 9.0751% | 2,381 |
| Retained earnings to average equity (ytd only) | 6.5919% | 2,030 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.5053% | 4,991 |
| Assets per employee ($millions) | 9.0389% | 424 |
| Cash dividends to net income (ytd only)* | 27.3625% | 2,373 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3014% | 412 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,400 |
| Noncurrent loans to loans | 0.0000% | 5,285 |
| Net loans and leases to total assets | 72.7055% | 1,967 |
| Net loans and leases to deposits | 84.3870% | 2,240 |
| Net loans and leases to core deposits | 89.6845% | 2,379 |
| Total domestic deposits to total assets | 86.1572% | 2,603 |
| Equity capital to assets | 13.4585% | 1,080 |
| Core capital (leverage) ratio | 14.2213% | 783 |
| Tier 1 risk-based capital ratio | 15.1809% | 2,884 |
| Total risk-based capital ratio | 16.4402% | 2,815 |
| Memoranda: | ||
| Average total assets | $226,540,000 | 2,737 |
| Average earning assets | $209,989,500 | 2,721 |
| Average equity | $31,250,500 | 2,277 |
| Average total loans | $171,841,500 | 2,444 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2668% | 373 |
| Cost of funding earning assets | 0.2410% | 4,646 |
| Net interest margin | 5.0257% | 238 |
| Noninterest income to average assets | 0.1394% | 5,491 |
| Noninterest expense to average assets | 2.4811% | 4,073 |
| Loan and lease loss provision to assets | 0.3693% | 448 |
| Net operating income to assets | 1.2745% | 1,287 |
| Return on assets (ROA) | 1.2745% | 1,359 |
| Pretax return on assets | 1.9261% | 588 |
| Return on Equity (ROE) | 8.6946% | 2,568 |
| Retained earnings to average equity (ytd only) | 6.2095% | 1,603 |
| Net charge-offs to loans | 0.0059% | 4,055 |
| Credit loss provision to net charge-offs | 8,155.5556% | 58 |
| Earnings coverage of net charge-offs (x) | 506.8889% | 162 |
| Efficiency ratio | 51.9435% | 5,386 |
| Assets per employee ($millions) | 8.7228% | 460 |
| Cash dividends to net income (ytd only)* | 28.5827% | 3,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3846% | 363 |
| 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 | 75.5573% | 1,591 |
| Net loans and leases to deposits | 88.2825% | 1,886 |
| Net loans and leases to core deposits | 93.0892% | 2,202 |
| Total domestic deposits to total assets | 85.5858% | 2,788 |
| Equity capital to assets | 14.1570% | 842 |
| Core capital (leverage) ratio | 14.4179% | 714 |
| Tier 1 risk-based capital ratio | 14.8550% | 3,026 |
| Total risk-based capital ratio | 16.1144% | 2,960 |
| Memoranda: | ||
| Average total assets | $198,745,200 | 2,967 |
| Average earning assets | $183,376,000 | 2,983 |
| Average equity | $29,133,000 | 2,439 |
| Average total loans | $153,745,600 | 2,595 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2036% | 422 |
| Cost of funding earning assets | 0.2354% | 4,746 |
| Net interest margin | 4.9682% | 268 |
| Noninterest income to average assets | 0.1430% | 5,543 |
| Noninterest expense to average assets | 2.5041% | 3,973 |
| Loan and lease loss provision to assets | 0.4696% | 279 |
| Net operating income to assets | 1.0602% | 2,159 |
| Return on assets (ROA) | 1.0602% | 2,271 |
| Pretax return on assets | 1.7547% | 985 |
| Return on Equity (ROE) | 7.1640% | 3,471 |
| Retained earnings to average equity (ytd only) | 4.6784% | 3,035 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.9591% | 5,316 |
| Assets per employee ($millions) | 8.3658% | 507 |
| Cash dividends to net income (ytd only)* | 34.6954% | 2,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3893% | 385 |
| Loan loss allowance to noncurrent loans | 6,529.5082% | 110 |
| Noncurrent assets plus other real estate owned to assets | 0.0292% | 5,383 |
| Noncurrent loans to loans | 0.0366% | 5,224 |
| Net loans and leases to total assets | 77.8034% | 1,230 |
| Net loans and leases to deposits | 90.8747% | 1,647 |
| Net loans and leases to core deposits | 96.4662% | 1,948 |
| Total domestic deposits to total assets | 85.6162% | 2,549 |
| Equity capital to assets | 14.1313% | 991 |
| Core capital (leverage) ratio | 14.1382% | 812 |
| Tier 1 risk-based capital ratio | 14.3585% | 3,362 |
| Total risk-based capital ratio | 15.6177% | 3,285 |
| Memoranda: | ||
| Average total assets | $193,914,250 | 3,032 |
| Average earning assets | $178,973,250 | 3,035 |
| Average equity | $28,698,250 | 2,481 |
| Average total loans | $149,984,000 | 2,646 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1065% | 487 |
| Cost of funding earning assets | 0.2259% | 4,881 |
| Net interest margin | 4.8807% | 327 |
| Noninterest income to average assets | 0.1366% | 5,622 |
| Noninterest expense to average assets | 2.4910% | 4,054 |
| Loan and lease loss provision to assets | 0.3622% | 442 |
| Net operating income to assets | 1.0824% | 2,025 |
| Return on assets (ROA) | 1.0824% | 2,160 |
| Pretax return on assets | 1.7920% | 895 |
| Return on Equity (ROE) | 7.1940% | 3,430 |
| Retained earnings to average equity (ytd only) | 4.7514% | 2,896 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6252% | 5,341 |
| Assets per employee ($millions) | 8.7436% | 432 |
| Cash dividends to net income (ytd only)* | 33.9530% | 2,684 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3594% | 423 |
| Loan loss allowance to noncurrent loans | 5,355.8824% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.0338% | 5,453 |
| Noncurrent loans to loans | 0.0441% | 5,285 |
| Net loans and leases to total assets | 74.9452% | 1,661 |
| Net loans and leases to deposits | 88.8405% | 1,884 |
| Net loans and leases to core deposits | 92.8569% | 2,274 |
| Total domestic deposits to total assets | 84.3593% | 3,134 |
| Equity capital to assets | 14.4712% | 881 |
| Core capital (leverage) ratio | 15.3444% | 547 |
| Tier 1 risk-based capital ratio | 15.5128% | 2,858 |
| Total risk-based capital ratio | 16.7724% | 2,792 |
| Memoranda: | ||
| Average total assets | $188,837,330 | 3,100 |
| Average earning assets | $174,443,000 | 3,091 |
| Average equity | $28,412,670 | 2,502 |
| Average total loans | $144,410,330 | 2,714 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0019% | 579 |
| Cost of funding earning assets | 0.2297% | 4,906 |
| Net interest margin | 4.7721% | 380 |
| Noninterest income to average assets | 0.1292% | 5,697 |
| Noninterest expense to average assets | 2.5396% | 3,945 |
| Loan and lease loss provision to assets | 0.1073% | 1,915 |
| Net operating income to assets | 1.1450% | 1,727 |
| Return on assets (ROA) | 1.1450% | 1,845 |
| Pretax return on assets | 1.8938% | 703 |
| Return on Equity (ROE) | 7.4533% | 3,212 |
| Retained earnings to average equity (ytd only) | 5.0021% | 2,943 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9306% | 5,196 |
| Assets per employee ($millions) | 8.3358% | 504 |
| Cash dividends to net income (ytd only)* | 32.8872% | 2,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3595% | 468 |
| Loan loss allowance to noncurrent loans | 4,925.0000% | 153 |
| Noncurrent assets plus other real estate owned to assets | 0.0371% | 5,479 |
| Noncurrent loans to loans | 0.0479% | 5,293 |
| Net loans and leases to total assets | 75.5698% | 1,458 |
| Net loans and leases to deposits | 89.9436% | 1,586 |
| Net loans and leases to core deposits | 93.2279% | 2,070 |
| Total domestic deposits to total assets | 84.0191% | 3,509 |
| Equity capital to assets | 15.5774% | 586 |
| Core capital (leverage) ratio | 15.6643% | 514 |
| Tier 1 risk-based capital ratio | 16.3560% | 2,537 |
| Total risk-based capital ratio | 17.6149% | 2,490 |
| Memoranda: | ||
| Average total assets | $182,704,500 | 3,173 |
| Average earning assets | $168,897,000 | 3,167 |
| Average equity | $28,068,000 | 2,528 |
| Average total loans | $139,436,000 | 2,796 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0136% | 612 |
| Cost of funding earning assets | 0.2272% | 5,034 |
| Net interest margin | 4.7865% | 383 |
| Noninterest income to average assets | 0.1676% | 5,579 |
| Noninterest expense to average assets | 2.4202% | 4,466 |
| Loan and lease loss provision to assets | 0.0773% | 2,732 |
| Net operating income to assets | 1.3351% | 1,191 |
| Return on assets (ROA) | 1.3351% | 1,228 |
| Pretax return on assets | 2.1111% | 415 |
| Return on Equity (ROE) | 8.9129% | 2,492 |
| Retained earnings to average equity (ytd only) | 7.6347% | 1,052 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5148% | 5,608 |
| Assets per employee ($millions) | 8.6677% | 438 |
| Cash dividends to net income (ytd only)* | 14.3404% | 3,971 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4099% | 450 |
| Loan loss allowance to noncurrent loans | 4,852.9412% | 181 |
| Noncurrent assets plus other real estate owned to assets | 0.0374% | 5,527 |
| Noncurrent loans to loans | 0.0497% | 5,314 |
| Net loans and leases to total assets | 73.4185% | 1,821 |
| Net loans and leases to deposits | 88.0697% | 1,869 |
| Net loans and leases to core deposits | 91.4708% | 2,276 |
| Total domestic deposits to total assets | 83.3640% | 3,724 |
| Equity capital to assets | 15.1461% | 647 |
| Core capital (leverage) ratio | 15.3617% | 555 |
| Tier 1 risk-based capital ratio | 16.3649% | 2,541 |
| Total risk-based capital ratio | 17.6245% | 2,495 |
| Memoranda: | ||
| Average total assets | $176,018,000 | 3,218 |
| Average earning assets | $163,314,600 | 3,210 |
| Average equity | $26,366,400 | 2,601 |
| Average total loans | $128,931,800 | 2,901 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0080% | 610 |
| Cost of funding earning assets | 0.2278% | 5,114 |
| Net interest margin | 4.7802% | 395 |
| Noninterest income to average assets | 0.1688% | 5,635 |
| Noninterest expense to average assets | 2.4776% | 4,264 |
| Loan and lease loss provision to assets | 0.0902% | 2,364 |
| Net operating income to assets | 1.2537% | 1,474 |
| Return on assets (ROA) | 1.2537% | 1,527 |
| Pretax return on assets | 2.0422% | 555 |
| Return on Equity (ROE) | 8.3940% | 2,878 |
| Retained earnings to average equity (ytd only) | 7.5346% | 1,425 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.7454% | 5,539 |
| Assets per employee ($millions) | 8.0039% | 537 |
| Cash dividends to net income (ytd only)* | 10.2374% | 3,574 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4962% | 439 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 72.8031% | 1,937 |
| Net loans and leases to deposits | 86.3639% | 2,105 |
| Net loans and leases to core deposits | 88.4129% | 2,623 |
| Total domestic deposits to total assets | 84.2980% | 3,303 |
| Equity capital to assets | 15.3005% | 679 |
| Core capital (leverage) ratio | 15.0605% | 627 |
| Tier 1 risk-based capital ratio | 16.8663% | 2,419 |
| Total risk-based capital ratio | 18.1271% | 2,375 |
| Memoranda: | ||
| Average total assets | $174,517,250 | 3,263 |
| Average earning assets | $162,137,500 | 3,251 |
| Average equity | $26,065,750 | 2,640 |
| Average total loans | $126,930,500 | 2,960 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8622% | 788 |
| Cost of funding earning assets | 0.2264% | 5,179 |
| Net interest margin | 4.6358% | 496 |
| Noninterest income to average assets | 0.1816% | 5,600 |
| Noninterest expense to average assets | 2.4300% | 4,463 |
| Loan and lease loss provision to assets | 0.1356% | 1,614 |
| Net operating income to assets | 1.1828% | 1,656 |
| Return on assets (ROA) | 1.1828% | 1,723 |
| Pretax return on assets | 1.9231% | 704 |
| Return on Equity (ROE) | 7.9849% | 3,065 |
| Retained earnings to average equity (ytd only) | 7.9849% | 1,277 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.1357% | 5,574 |
| Assets per employee ($millions) | 9.2561% | 339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4585% | 506 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 74.0420% | 1,654 |
| Net loans and leases to deposits | 89.1394% | 1,701 |
| Net loans and leases to core deposits | 90.9678% | 2,245 |
| Total domestic deposits to total assets | 83.0631% | 3,930 |
| Equity capital to assets | 15.0337% | 698 |
| Core capital (leverage) ratio | 15.0658% | 603 |
| Tier 1 risk-based capital ratio | 16.8427% | 2,468 |
| Total risk-based capital ratio | 18.1038% | 2,418 |
| Memoranda: | ||
| Average total assets | $173,994,330 | 3,294 |
| Average earning assets | $161,655,000 | 3,281 |
| Average equity | $25,773,670 | 2,668 |
| Average total loans | $125,414,670 | 2,992 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7677% | 912 |
| Cost of funding earning assets | 0.2274% | 5,243 |
| Net interest margin | 4.5403% | 561 |
| Noninterest income to average assets | 0.2011% | 5,510 |
| Noninterest expense to average assets | 2.5448% | 4,118 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 1.1418% | 1,722 |
| Return on assets (ROA) | 1.1418% | 1,829 |
| Pretax return on assets | 1.8560% | 785 |
| Return on Equity (ROE) | 7.7670% | 3,089 |
| Retained earnings to average equity (ytd only) | 7.7670% | 1,659 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.8256% | 5,355 |
| Assets per employee ($millions) | 8.0811% | 525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6257% | 446 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 66.0003% | 2,768 |
| Net loans and leases to deposits | 77.4994% | 2,877 |
| Net loans and leases to core deposits | 79.0043% | 3,279 |
| Total domestic deposits to total assets | 85.1623% | 3,325 |
| Equity capital to assets | 14.4642% | 846 |
| Core capital (leverage) ratio | 14.9922% | 613 |
| Tier 1 risk-based capital ratio | 17.9521% | 2,148 |
| Total risk-based capital ratio | 19.2141% | 2,103 |
| Memoranda: | ||
| Average total assets | $173,059,000 | 3,317 |
| Average earning assets | $160,076,000 | 3,321 |
| Average equity | $25,441,000 | 2,707 |
| Average total loans | $121,374,000 | 3,072 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5056% | 309 |
| Cost of funding earning assets | 0.2485% | 5,337 |
| Net interest margin | 5.2570% | 194 |
| Noninterest income to average assets | 0.2075% | 5,621 |
| Noninterest expense to average assets | 2.5121% | 4,505 |
| Loan and lease loss provision to assets | 0.1764% | 1,464 |
| Net operating income to assets | 1.4827% | 908 |
| Return on assets (ROA) | 1.4827% | 949 |
| Pretax return on assets | 2.3838% | 235 |
| Return on Equity (ROE) | 10.0038% | 2,125 |
| Retained earnings to average equity (ytd only) | 10.0038% | 518 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.5262% | 6,116 |
| Assets per employee ($millions) | 7.3572% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5882% | 493 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 70.3728% | 2,176 |
| Net loans and leases to deposits | 83.4147% | 2,281 |
| Net loans and leases to core deposits | 85.6083% | 2,725 |
| Total domestic deposits to total assets | 84.3650% | 3,569 |
| Equity capital to assets | 15.3939% | 632 |
| Core capital (leverage) ratio | 15.5652% | 522 |
| Tier 1 risk-based capital ratio | 17.7289% | 2,226 |
| Total risk-based capital ratio | 18.9911% | 2,187 |
| Memoranda: | ||
| Average total assets | $164,361,600 | 3,422 |
| Average earning assets | $152,100,600 | 3,407 |
| Average equity | $24,360,800 | 2,727 |
| Average total loans | $114,857,800 | 3,127 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6160% | 268 |
| Cost of funding earning assets | 0.2523% | 5,381 |
| Net interest margin | 5.3637% | 162 |
| Noninterest income to average assets | 0.2059% | 5,695 |
| Noninterest expense to average assets | 2.5906% | 4,228 |
| Loan and lease loss provision to assets | 0.2370% | 928 |
| Net operating income to assets | 1.4473% | 1,032 |
| Return on assets (ROA) | 1.4473% | 1,071 |
| Pretax return on assets | 2.3479% | 284 |
| Return on Equity (ROE) | 9.8638% | 2,282 |
| Retained earnings to average equity (ytd only) | 9.8638% | 746 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.0553% | 6,100 |
| Assets per employee ($millions) | 7.4320% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6910% | 493 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2135% | 5,360 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 69.9761% | 2,197 |
| Net loans and leases to deposits | 83.1321% | 2,272 |
| Net loans and leases to core deposits | 85.5731% | 2,708 |
| Total domestic deposits to total assets | 84.1746% | 3,694 |
| Equity capital to assets | 15.3538% | 662 |
| Core capital (leverage) ratio | 15.1834% | 594 |
| Tier 1 risk-based capital ratio | 17.2686% | 2,488 |
| Total risk-based capital ratio | 18.5309% | 2,443 |
| Memoranda: | ||
| Average total assets | $163,148,000 | 3,470 |
| Average earning assets | $151,160,750 | 3,444 |
| Average equity | $23,938,750 | 2,766 |
| Average total loans | $113,010,750 | 3,182 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3371% | 411 |
| Cost of funding earning assets | 0.2552% | 5,433 |
| Net interest margin | 5.0819% | 247 |
| Noninterest income to average assets | 0.2208% | 5,625 |
| Noninterest expense to average assets | 2.5173% | 4,527 |
| Loan and lease loss provision to assets | 0.3558% | 499 |
| Net operating income to assets | 1.2820% | 1,363 |
| Return on assets (ROA) | 1.2820% | 1,416 |
| Pretax return on assets | 2.0622% | 475 |
| Return on Equity (ROE) | 8.8746% | 2,647 |
| Retained earnings to average equity (ytd only) | 8.8746% | 1,031 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.0067% | 6,124 |
| Assets per employee ($millions) | 8.4559% | 408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6096% | 600 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2064% | 5,502 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 69.8205% | 2,116 |
| Net loans and leases to deposits | 88.0654% | 1,589 |
| Net loans and leases to core deposits | 89.8903% | 2,137 |
| Total domestic deposits to total assets | 79.2825% | 5,392 |
| Equity capital to assets | 14.3598% | 857 |
| Core capital (leverage) ratio | 14.4801% | 708 |
| Tier 1 risk-based capital ratio | 16.2099% | 2,973 |
| Total risk-based capital ratio | 17.4708% | 2,917 |
| Memoranda: | ||
| Average total assets | $163,029,670 | 3,494 |
| Average earning assets | $151,242,670 | 3,460 |
| Average equity | $23,550,330 | 2,795 |
| Average total loans | $111,488,670 | 3,210 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4097% | 340 |
| Cost of funding earning assets | 0.2594% | 5,500 |
| Net interest margin | 5.1503% | 204 |
| Noninterest income to average assets | 0.2525% | 5,346 |
| Noninterest expense to average assets | 2.5827% | 4,333 |
| Loan and lease loss provision to assets | 0.0200% | 3,564 |
| Net operating income to assets | 1.4901% | 837 |
| Return on assets (ROA) | 1.4901% | 864 |
| Pretax return on assets | 2.4152% | 261 |
| Return on Equity (ROE) | 10.2834% | 1,940 |
| Retained earnings to average equity (ytd only) | 10.2834% | 903 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.4699% | 6,164 |
| Assets per employee ($millions) | 7.7141% | 562 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6135% | 705 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2154% | 5,567 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 66.2918% | 2,513 |
| Net loans and leases to deposits | 78.0933% | 2,543 |
| Net loans and leases to core deposits | 79.6679% | 3,014 |
| Total domestic deposits to total assets | 84.8879% | 3,926 |
| Equity capital to assets | 14.5109% | 788 |
| Core capital (leverage) ratio | 14.5008% | 700 |
| Tier 1 risk-based capital ratio | 16.5400% | 2,878 |
| Total risk-based capital ratio | 17.8007% | 2,846 |
| Memoranda: | ||
| Average total assets | $159,985,500 | 3,561 |
| Average earning assets | $148,031,000 | 3,542 |
| Average equity | $23,183,000 | 2,823 |
| Average total loans | $106,611,500 | 3,329 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0444% | 840 |
| Cost of funding earning assets | 0.2848% | 5,717 |
| Net interest margin | 4.7597% | 467 |
| Noninterest income to average assets | 0.2146% | 5,795 |
| Noninterest expense to average assets | 2.3355% | 5,273 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 1.4326% | 959 |
| Return on assets (ROA) | 1.4326% | 993 |
| Pretax return on assets | 2.2806% | 272 |
| Return on Equity (ROE) | 10.6880% | 1,866 |
| Retained earnings to average equity (ytd only) | 10.6880% | 467 |
| Net charge-offs to loans | -0.0109% | 6,030 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.5945% | 6,377 |
| Assets per employee ($millions) | 7.5226% | 595 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7916% | 609 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2209% | 5,624 |
| Noncurrent loans to loans | 0.0000% | 6,319 |
| Net loans and leases to total assets | 63.3499% | 3,154 |
| Net loans and leases to deposits | 74.4100% | 3,203 |
| Net loans and leases to core deposits | 75.7993% | 3,625 |
| Total domestic deposits to total assets | 85.1363% | 3,675 |
| Equity capital to assets | 14.4700% | 790 |
| Core capital (leverage) ratio | 14.3394% | 734 |
| Tier 1 risk-based capital ratio | 17.1926% | 2,528 |
| Total risk-based capital ratio | 18.4550% | 2,500 |
| Memoranda: | ||
| Average total assets | $162,147,400 | 3,527 |
| Average earning assets | $149,947,400 | 3,503 |
| Average equity | $21,734,600 | 2,956 |
| Average total loans | $100,898,600 | 3,427 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0334% | 873 |
| Cost of funding earning assets | 0.2905% | 5,808 |
| Net interest margin | 4.7429% | 482 |
| Noninterest income to average assets | 0.2190% | 5,862 |
| Noninterest expense to average assets | 2.3489% | 5,184 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 1.4167% | 1,064 |
| Return on assets (ROA) | 1.4167% | 1,116 |
| Pretax return on assets | 2.2591% | 346 |
| Return on Equity (ROE) | 10.7765% | 1,892 |
| Retained earnings to average equity (ytd only) | 10.7765% | 621 |
| Net charge-offs to loans | -0.0146% | 5,971 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.9752% | 6,335 |
| Assets per employee ($millions) | 8.0350% | 455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8858% | 626 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2172% | 5,801 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 60.1858% | 3,669 |
| Net loans and leases to deposits | 70.2647% | 3,746 |
| Net loans and leases to core deposits | 77.6209% | 3,406 |
| Total domestic deposits to total assets | 85.6558% | 3,424 |
| Equity capital to assets | 13.8582% | 1,003 |
| Core capital (leverage) ratio | 13.6845% | 956 |
| Tier 1 risk-based capital ratio | 17.3726% | 2,549 |
| Total risk-based capital ratio | 18.6357% | 2,519 |
| Memoranda: | ||
| Average total assets | $163,190,500 | 3,548 |
| Average earning assets | $151,014,500 | 3,516 |
| Average equity | $21,453,500 | 3,023 |
| Average total loans | $100,385,500 | 3,464 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8288% | 1,269 |
| Cost of funding earning assets | 0.2925% | 5,885 |
| Net interest margin | 4.5363% | 666 |
| Noninterest income to average assets | 0.1975% | 6,022 |
| Noninterest expense to average assets | 2.3131% | 5,329 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 1.3181% | 1,275 |
| Return on assets (ROA) | 1.3181% | 1,357 |
| Pretax return on assets | 2.0827% | 512 |
| Return on Equity (ROE) | 10.2071% | 2,125 |
| Retained earnings to average equity (ytd only) | 10.2071% | 803 |
| Net charge-offs to loans | -0.0219% | 5,996 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6214% | 6,248 |
| Assets per employee ($millions) | 7.6233% | 527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8353% | 684 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2180% | 5,845 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 61.5220% | 3,384 |
| Net loans and leases to deposits | 71.4244% | 3,527 |
| Net loans and leases to core deposits | 72.6145% | 3,972 |
| Total domestic deposits to total assets | 86.1358% | 3,292 |
| Equity capital to assets | 13.4856% | 1,143 |
| Core capital (leverage) ratio | 13.4465% | 1,000 |
| Tier 1 risk-based capital ratio | 17.2648% | 2,607 |
| Total risk-based capital ratio | 18.5285% | 2,570 |
| Memoranda: | ||
| Average total assets | $164,021,000 | 3,560 |
| Average earning assets | $151,796,670 | 3,519 |
| Average equity | $21,181,330 | 3,077 |
| Average total loans | $100,650,000 | 3,466 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7033% | 1,525 |
| Cost of funding earning assets | 0.2980% | 5,978 |
| Net interest margin | 4.4053% | 797 |
| Noninterest income to average assets | 0.2000% | 6,043 |
| Noninterest expense to average assets | 2.2869% | 5,463 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 1.2555% | 1,388 |
| Return on assets (ROA) | 1.2555% | 1,488 |
| Pretax return on assets | 1.9736% | 622 |
| Return on Equity (ROE) | 9.9345% | 2,090 |
| Retained earnings to average equity (ytd only) | 9.9345% | 1,126 |
| Net charge-offs to loans | -0.0359% | 5,978 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.6765% | 6,253 |
| Assets per employee ($millions) | 7.7712% | 539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7917% | 826 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2267% | 5,888 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 61.2797% | 3,211 |
| Net loans and leases to deposits | 70.8559% | 3,346 |
| Net loans and leases to core deposits | 72.2707% | 3,786 |
| Total domestic deposits to total assets | 86.4850% | 3,243 |
| Equity capital to assets | 12.9519% | 1,453 |
| Core capital (leverage) ratio | 12.8398% | 1,180 |
| Tier 1 risk-based capital ratio | 16.8126% | 2,854 |
| Total risk-based capital ratio | 18.0760% | 2,811 |
| Memoranda: | ||
| Average total assets | $165,987,000 | 3,564 |
| Average earning assets | $152,998,500 | 3,543 |
| Average equity | $20,977,500 | 3,133 |
| Average total loans | $100,293,000 | 3,495 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8093% | 2,154 |
| Cost of funding earning assets | 0.3927% | 5,969 |
| Net interest margin | 4.4166% | 1,129 |
| Noninterest income to average assets | 0.2223% | 5,847 |
| Noninterest expense to average assets | 2.2778% | 5,748 |
| Loan and lease loss provision to assets | 0.1495% | 3,739 |
| Net operating income to assets | 1.1614% | 1,728 |
| Return on assets (ROA) | 1.1606% | 1,889 |
| Pretax return on assets | 1.8904% | 765 |
| Return on Equity (ROE) | 9.3681% | 2,454 |
| Retained earnings to average equity (ytd only) | 9.3681% | 730 |
| Net charge-offs to loans | 0.2145% | 3,675 |
| Credit loss provision to net charge-offs | 122.0513% | 2,337 |
| Earnings coverage of net charge-offs (x) | 16.6667% | 1,566 |
| Efficiency ratio | 52.7410% | 6,398 |
| Assets per employee ($millions) | 8.8831% | 337 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9302% | 710 |
| Loan loss allowance to noncurrent loans | 572.6000% | 728 |
| Noncurrent assets plus other real estate owned to assets | 0.5155% | 5,189 |
| Noncurrent loans to loans | 0.5117% | 5,252 |
| Net loans and leases to total assets | 56.1951% | 4,254 |
| Net loans and leases to deposits | 64.4660% | 4,483 |
| Net loans and leases to core deposits | 66.0955% | 4,728 |
| Total domestic deposits to total assets | 87.1701% | 2,727 |
| Equity capital to assets | 12.3345% | 1,839 |
| Core capital (leverage) ratio | 12.0657% | 1,534 |
| Tier 1 risk-based capital ratio | 16.9180% | 2,694 |
| Total risk-based capital ratio | 18.1825% | 2,647 |
| Memoranda: | ||
| Average total assets | $159,229,600 | 3,633 |
| Average earning assets | $147,693,800 | 3,592 |
| Average equity | $19,726,600 | 3,228 |
| Average total loans | $90,925,800 | 3,725 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7947% | 2,411 |
| Cost of funding earning assets | 0.4065% | 6,084 |
| Net interest margin | 4.3882% | 1,230 |
| Noninterest income to average assets | 0.2295% | 5,905 |
| Noninterest expense to average assets | 2.3505% | 5,542 |
| Loan and lease loss provision to assets | 0.1683% | 3,434 |
| Net operating income to assets | 1.1402% | 1,953 |
| Return on assets (ROA) | 1.1391% | 2,147 |
| Pretax return on assets | 1.8022% | 1,043 |
| Return on Equity (ROE) | 9.1839% | 2,716 |
| Retained earnings to average equity (ytd only) | 9.1839% | 1,159 |
| Net charge-offs to loans | 0.3138% | 2,871 |
| Credit loss provision to net charge-offs | 94.2857% | 3,169 |
| Earnings coverage of net charge-offs (x) | 11.0478% | 2,119 |
| Efficiency ratio | 54.3756% | 6,213 |
| Assets per employee ($millions) | 9.0281% | 326 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0115% | 702 |
| Loan loss allowance to noncurrent loans | 561.6000% | 685 |
| Noncurrent assets plus other real estate owned to assets | 0.5072% | 5,402 |
| Noncurrent loans to loans | 0.5362% | 5,371 |
| Net loans and leases to total assets | 52.7211% | 4,952 |
| Net loans and leases to deposits | 60.1342% | 5,191 |
| Net loans and leases to core deposits | 62.0499% | 5,356 |
| Total domestic deposits to total assets | 87.6723% | 2,245 |
| Equity capital to assets | 11.9056% | 2,346 |
| Core capital (leverage) ratio | 11.9742% | 1,672 |
| Tier 1 risk-based capital ratio | 17.6748% | 2,471 |
| Total risk-based capital ratio | 18.9404% | 2,433 |
| Memoranda: | ||
| Average total assets | $156,842,500 | 3,705 |
| Average earning assets | $146,298,250 | 3,655 |
| Average equity | $19,453,750 | 3,296 |
| Average total loans | $89,230,250 | 3,814 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9379% | 1,969 |
| Cost of funding earning assets | 0.4200% | 6,168 |
| Net interest margin | 4.5179% | 961 |
| Noninterest income to average assets | 0.2396% | 5,853 |
| Noninterest expense to average assets | 2.4627% | 5,254 |
| Loan and lease loss provision to assets | 0.1422% | 3,741 |
| Net operating income to assets | 1.1626% | 1,844 |
| Return on assets (ROA) | 1.1609% | 2,049 |
| Pretax return on assets | 1.8375% | 969 |
| Return on Equity (ROE) | 9.2206% | 2,705 |
| Retained earnings to average equity (ytd only) | 9.2206% | 1,203 |
| Net charge-offs to loans | 0.5848% | 1,857 |
| Credit loss provision to net charge-offs | 42.0233% | 4,219 |
| Earnings coverage of net charge-offs (x) | 5.8599% | 2,741 |
| Efficiency ratio | 55.4042% | 6,184 |
| Assets per employee ($millions) | 8.9506% | 321 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9341% | 836 |
| Loan loss allowance to noncurrent loans | 534.2000% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.5400% | 5,412 |
| Noncurrent loans to loans | 0.5493% | 5,420 |
| Net loans and leases to total assets | 54.8454% | 4,656 |
| Net loans and leases to deposits | 62.7446% | 4,909 |
| Net loans and leases to core deposits | 64.7412% | 5,130 |
| Total domestic deposits to total assets | 87.4105% | 2,531 |
| Equity capital to assets | 12.2158% | 1,996 |
| Core capital (leverage) ratio | 12.7888% | 1,224 |
| Tier 1 risk-based capital ratio | 17.6695% | 2,404 |
| Total risk-based capital ratio | 18.9339% | 2,372 |
| Memoranda: | ||
| Average total assets | $151,945,670 | 3,806 |
| Average earning assets | $141,436,670 | 3,763 |
| Average equity | $19,131,000 | 3,336 |
| Average total loans | $87,893,000 | 3,856 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9843% | 1,942 |
| Cost of funding earning assets | 0.4313% | 6,248 |
| Net interest margin | 4.5530% | 908 |
| Noninterest income to average assets | 0.2552% | 5,816 |
| Noninterest expense to average assets | 2.5542% | 4,977 |
| Loan and lease loss provision to assets | 0.0543% | 4,729 |
| Net operating income to assets | 1.1835% | 1,789 |
| Return on assets (ROA) | 1.1835% | 1,965 |
| Pretax return on assets | 1.9164% | 848 |
| Return on Equity (ROE) | 9.2490% | 2,711 |
| Retained earnings to average equity (ytd only) | 9.2490% | 1,500 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.4487% | 6,079 |
| Assets per employee ($millions) | 7.9780% | 484 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2757% | 633 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2612% | 6,232 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 55.3219% | 4,503 |
| Net loans and leases to deposits | 63.6561% | 4,681 |
| Net loans and leases to core deposits | 66.0580% | 4,904 |
| Total domestic deposits to total assets | 86.9074% | 3,008 |
| Equity capital to assets | 12.5213% | 1,709 |
| Core capital (leverage) ratio | 13.0721% | 1,101 |
| Tier 1 risk-based capital ratio | 18.0294% | 2,280 |
| Total risk-based capital ratio | 19.2968% | 2,242 |
| Memoranda: | ||
| Average total assets | $147,363,000 | 3,918 |
| Average earning assets | $138,194,000 | 3,846 |
| Average equity | $18,856,000 | 3,374 |
| Average total loans | $86,323,000 | 3,931 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2057% | 2,037 |
| Cost of funding earning assets | 0.5378% | 6,392 |
| Net interest margin | 4.6679% | 803 |
| Noninterest income to average assets | 0.2123% | 5,998 |
| Noninterest expense to average assets | 2.8392% | 4,200 |
| Loan and lease loss provision to assets | 0.7396% | 1,370 |
| Net operating income to assets | 1.1357% | 1,705 |
| Return on assets (ROA) | 1.1357% | 1,826 |
| Pretax return on assets | 1.0649% | 2,981 |
| Return on Equity (ROE) | 7.9399% | 2,938 |
| Retained earnings to average equity (ytd only) | 7.9399% | 1,100 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.1406% | 5,586 |
| Assets per employee ($millions) | 7.5339% | 568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3218% | 611 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2766% | 6,272 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 58.0485% | 4,359 |
| Net loans and leases to deposits | 67.0743% | 4,571 |
| Net loans and leases to core deposits | 69.3777% | 4,865 |
| Total domestic deposits to total assets | 86.5436% | 3,013 |
| Equity capital to assets | 13.0861% | 1,446 |
| Core capital (leverage) ratio | 13.3642% | 1,017 |
| Tier 1 risk-based capital ratio | 18.8433% | 1,948 |
| Total risk-based capital ratio | 20.1131% | 1,899 |
| Memoranda: | ||
| Average total assets | $125,738,400 | 4,255 |
| Average earning assets | $119,368,200 | 4,145 |
| Average equity | $17,985,000 | 3,424 |
| Average total loans | $74,221,800 | 4,341 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3385% | 1,722 |
| Cost of funding earning assets | 0.5657% | 6,447 |
| Net interest margin | 4.7728% | 660 |
| Noninterest income to average assets | 0.2372% | 5,930 |
| Noninterest expense to average assets | 3.0184% | 3,489 |
| Loan and lease loss provision to assets | 0.7623% | 1,240 |
| Net operating income to assets | 1.1313% | 1,874 |
| Return on assets (ROA) | 1.1313% | 1,995 |
| Pretax return on assets | 0.9699% | 3,517 |
| Return on Equity (ROE) | 7.7159% | 3,171 |
| Retained earnings to average equity (ytd only) | 7.7159% | 1,618 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5376% | 5,149 |
| Assets per employee ($millions) | 7.1883% | 670 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3944% | 614 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2965% | 6,320 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 54.5758% | 5,075 |
| Net loans and leases to deposits | 63.1213% | 5,277 |
| Net loans and leases to core deposits | 64.8235% | 5,538 |
| Total domestic deposits to total assets | 86.4618% | 2,953 |
| Equity capital to assets | 13.4261% | 1,399 |
| Core capital (leverage) ratio | 14.4614% | 781 |
| Tier 1 risk-based capital ratio | 20.5737% | 1,540 |
| Total risk-based capital ratio | 21.8449% | 1,510 |
| Memoranda: | ||
| Average total assets | $121,387,000 | 4,383 |
| Average earning assets | $114,785,500 | 4,289 |
| Average equity | $17,798,250 | 3,455 |
| Average total loans | $71,290,250 | 4,480 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5570% | 1,157 |
| Cost of funding earning assets | 0.6039% | 6,442 |
| Net interest margin | 4.9531% | 431 |
| Noninterest income to average assets | 0.1496% | 6,575 |
| Noninterest expense to average assets | 3.1756% | 2,985 |
| Loan and lease loss provision to assets | 0.6946% | 1,367 |
| Net operating income to assets | 1.1416% | 1,751 |
| Return on assets (ROA) | 1.1416% | 1,824 |
| Pretax return on assets | 0.9474% | 3,441 |
| Return on Equity (ROE) | 7.5375% | 3,172 |
| Retained earnings to average equity (ytd only) | 7.5375% | 1,642 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.9172% | 4,889 |
| Assets per employee ($millions) | 6.1615% | 1,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3156% | 697 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1457% | 3,054 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 58.0119% | 4,622 |
| Net loans and leases to deposits | 68.6208% | 4,612 |
| Net loans and leases to core deposits | 70.9151% | 4,964 |
| Total domestic deposits to total assets | 84.5399% | 4,103 |
| Equity capital to assets | 15.3448% | 731 |
| Core capital (leverage) ratio | 14.9614% | 670 |
| Tier 1 risk-based capital ratio | 21.5239% | 1,324 |
| Total risk-based capital ratio | 22.7932% | 1,300 |
| Memoranda: | ||
| Average total assets | $116,323,670 | 4,551 |
| Average earning assets | $109,628,000 | 4,463 |
| Average equity | $17,618,670 | 3,473 |
| Average total loans | $69,334,670 | 4,600 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6601% | 956 |
| Cost of funding earning assets | 0.6139% | 6,550 |
| Net interest margin | 5.0462% | 346 |
| Noninterest income to average assets | 0.1863% | 6,390 |
| Noninterest expense to average assets | 3.3738% | 2,350 |
| Loan and lease loss provision to assets | 0.6727% | 1,268 |
| Net operating income to assets | 1.1177% | 1,773 |
| Return on assets (ROA) | 1.1177% | 1,825 |
| Pretax return on assets | 0.9038% | 3,478 |
| Return on Equity (ROE) | 7.4286% | 3,186 |
| Retained earnings to average equity (ytd only) | 7.4286% | 1,973 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.1533% | 4,629 |
| Assets per employee ($millions) | 6.0564% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0733% | 856 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.1830% | 3,087 |
| Noncurrent loans to loans | 0.0000% | 7,094 |
| Net loans and leases to total assets | 58.1036% | 4,632 |
| Net loans and leases to deposits | 68.8884% | 4,542 |
| Net loans and leases to core deposits | 71.4671% | 4,857 |
| Total domestic deposits to total assets | 84.3446% | 4,348 |
| Equity capital to assets | 15.2965% | 705 |
| Core capital (leverage) ratio | 14.9944% | 672 |
| Tier 1 risk-based capital ratio | 21.2256% | 1,358 |
| Total risk-based capital ratio | 22.4909% | 1,327 |
| Memoranda: | ||
| Average total assets | $115,951,000 | 4,592 |
| Average earning assets | $109,468,000 | 4,490 |
| Average equity | $17,446,000 | 3,503 |
| Average total loans | $68,880,500 | 4,658 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4376% | 2,513 |
| Cost of funding earning assets | 0.7281% | 6,796 |
| Net interest margin | 4.7095% | 801 |
| Noninterest income to average assets | 0.3316% | 5,422 |
| Noninterest expense to average assets | 3.6325% | 1,842 |
| Loan and lease loss provision to assets | 0.5276% | 3,039 |
| Net operating income to assets | 0.6309% | 3,525 |
| Return on assets (ROA) | 0.6309% | 3,687 |
| Pretax return on assets | 0.5871% | 4,364 |
| Return on Equity (ROE) | 3.8513% | 4,587 |
| Retained earnings to average equity (ytd only) | 3.8513% | 3,166 |
| Net charge-offs to loans | 0.0000% | 6,850 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.5201% | 2,958 |
| Assets per employee ($millions) | 6.4906% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7988% | 1,057 |
| Loan loss allowance to noncurrent loans | 103.2725% | 2,809 |
| Noncurrent assets plus other real estate owned to assets | 3.7764% | 1,812 |
| Noncurrent loans to loans | 2.7101% | 2,808 |
| Net loans and leases to total assets | 57.2242% | 5,148 |
| Net loans and leases to deposits | 69.5110% | 4,879 |
| Net loans and leases to core deposits | 72.0917% | 5,198 |
| Total domestic deposits to total assets | 82.3239% | 5,082 |
| Equity capital to assets | 14.7993% | 838 |
| Core capital (leverage) ratio | 15.2203% | 628 |
| Tier 1 risk-based capital ratio | 20.7478% | 1,354 |
| Total risk-based capital ratio | 22.0106% | 1,332 |
| Memoranda: | ||
| Average total assets | $102,546,600 | 4,909 |
| Average earning assets | $96,145,400 | 4,820 |
| Average equity | $16,799,400 | 3,632 |
| Average total loans | $61,382,000 | 5,010 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4659% | 2,578 |
| Cost of funding earning assets | 0.7609% | 6,882 |
| Net interest margin | 4.7050% | 837 |
| Noninterest income to average assets | 0.4149% | 4,839 |
| Noninterest expense to average assets | 3.8231% | 1,338 |
| Loan and lease loss provision to assets | 0.5119% | 2,898 |
| Net operating income to assets | 0.5617% | 4,043 |
| Return on assets (ROA) | 0.5617% | 4,211 |
| Pretax return on assets | 0.4782% | 4,999 |
| Return on Equity (ROE) | 3.3339% | 5,085 |
| Retained earnings to average equity (ytd only) | 3.3339% | 4,104 |
| Net charge-offs to loans | 0.0000% | 6,671 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4291% | 2,431 |
| Assets per employee ($millions) | 5.5985% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6180% | 1,181 |
| Loan loss allowance to noncurrent loans | 94.5845% | 2,920 |
| Noncurrent assets plus other real estate owned to assets | 4.1957% | 1,637 |
| Noncurrent loans to loans | 2.7679% | 2,872 |
| Net loans and leases to total assets | 61.6850% | 4,593 |
| Net loans and leases to deposits | 76.3116% | 4,127 |
| Net loans and leases to core deposits | 80.5527% | 4,436 |
| Total domestic deposits to total assets | 80.8331% | 5,438 |
| Equity capital to assets | 16.0044% | 671 |
| Core capital (leverage) ratio | 16.2101% | 528 |
| Tier 1 risk-based capital ratio | 21.1092% | 1,341 |
| Total risk-based capital ratio | 22.3710% | 1,318 |
| Memoranda: | ||
| Average total assets | $98,975,750 | 5,080 |
| Average earning assets | $92,523,250 | 4,993 |
| Average equity | $16,676,750 | 3,701 |
| Average total loans | $59,532,500 | 5,168 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4861% | 2,588 |
| Cost of funding earning assets | 0.7907% | 6,944 |
| Net interest margin | 4.6954% | 819 |
| Noninterest income to average assets | 0.3378% | 5,449 |
| Noninterest expense to average assets | 3.9291% | 1,138 |
| Loan and lease loss provision to assets | 0.5699% | 2,498 |
| Net operating income to assets | 0.4186% | 4,667 |
| Return on assets (ROA) | 0.4186% | 4,828 |
| Pretax return on assets | 0.2197% | 5,726 |
| Return on Equity (ROE) | 2.4395% | 5,487 |
| Retained earnings to average equity (ytd only) | 2.4395% | 4,603 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.2675% | 2,004 |
| Assets per employee ($millions) | 5.5687% | 1,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7038% | 1,088 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6128% | 2,767 |
| Noncurrent loans to loans | 0.0000% | 7,347 |
| Net loans and leases to total assets | 59.5578% | 5,144 |
| Net loans and leases to deposits | 74.4925% | 4,600 |
| Net loans and leases to core deposits | 78.9325% | 4,813 |
| Total domestic deposits to total assets | 79.9515% | 5,742 |
| Equity capital to assets | 16.7124% | 569 |
| Core capital (leverage) ratio | 16.5442% | 488 |
| Tier 1 risk-based capital ratio | 22.4192% | 1,136 |
| Total risk-based capital ratio | 23.6803% | 1,112 |
| Memoranda: | ||
| Average total assets | $96,510,670 | 5,178 |
| Average earning assets | $90,045,670 | 5,092 |
| Average equity | $16,561,000 | 3,711 |
| Average total loans | $56,917,000 | 5,312 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3664% | 3,207 |
| Cost of funding earning assets | 0.8361% | 6,985 |
| Net interest margin | 4.5304% | 1,079 |
| Noninterest income to average assets | 0.1733% | 6,729 |
| Noninterest expense to average assets | 4.0064% | 1,023 |
| Loan and lease loss provision to assets | 0.3381% | 3,362 |
| Net operating income to assets | 0.3170% | 5,222 |
| Return on assets (ROA) | 0.3170% | 5,349 |
| Pretax return on assets | 0.0423% | 6,276 |
| Return on Equity (ROE) | 1.8220% | 5,828 |
| Retained earnings to average equity (ytd only) | 1.8220% | 5,024 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3295% | 1,327 |
| Assets per employee ($millions) | 5.4522% | 1,715 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6847% | 1,094 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.6350% | 2,762 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 54.0728% | 6,014 |
| Net loans and leases to deposits | 71.5295% | 5,118 |
| Net loans and leases to core deposits | 75.3258% | 5,357 |
| Total domestic deposits to total assets | 75.5951% | 6,818 |
| Equity capital to assets | 16.8606% | 550 |
| Core capital (leverage) ratio | 17.3793% | 421 |
| Tier 1 risk-based capital ratio | 24.5457% | 915 |
| Total risk-based capital ratio | 25.8075% | 891 |
| Memoranda: | ||
| Average total assets | $94,647,500 | 5,294 |
| Average earning assets | $88,028,500 | 5,241 |
| Average equity | $16,465,500 | 3,755 |
| Average total loans | $54,696,500 | 5,466 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9793% | 1,944 |
| Cost of funding earning assets | 1.0620% | 7,073 |
| Net interest margin | 4.9173% | 540 |
| Noninterest income to average assets | 0.1747% | 6,829 |
| Noninterest expense to average assets | 4.4959% | 800 |
| Loan and lease loss provision to assets | 0.5345% | 3,698 |
| Net operating income to assets | -0.2549% | 5,904 |
| Return on assets (ROA) | -0.2549% | 5,905 |
| Pretax return on assets | -0.2537% | 5,773 |
| Return on Equity (ROE) | -1.2156% | 5,725 |
| Retained earnings to average equity (ytd only) | -1.2156% | 5,315 |
| Net charge-offs to loans | 0.0000% | 7,246 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.1208% | 1,408 |
| Assets per employee ($millions) | 5.0642% | 2,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5227% | 1,199 |
| Loan loss allowance to noncurrent loans | 196.0340% | 1,519 |
| Noncurrent assets plus other real estate owned to assets | 5.0332% | 1,215 |
| Noncurrent loans to loans | 1.2869% | 4,775 |
| Net loans and leases to total assets | 58.6671% | 5,539 |
| Net loans and leases to deposits | 75.8833% | 4,762 |
| Net loans and leases to core deposits | 99.3092% | 4,077 |
| Total domestic deposits to total assets | 77.3123% | 6,383 |
| Equity capital to assets | 17.9738% | 448 |
| Core capital (leverage) ratio | 18.4580% | 368 |
| Tier 1 risk-based capital ratio | 24.6933% | 881 |
| Total risk-based capital ratio | 25.9534% | 855 |
| Memoranda: | ||
| Average total assets | $77,271,200 | 5,800 |
| Average earning assets | $72,316,000 | 5,744 |
| Average equity | $16,206,600 | 3,835 |
| Average total loans | $49,620,600 | 5,688 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1005% | 1,654 |
| Cost of funding earning assets | 1.0849% | 7,203 |
| Net interest margin | 5.0156% | 426 |
| Noninterest income to average assets | 0.1716% | 6,984 |
| Noninterest expense to average assets | 4.7641% | 582 |
| Loan and lease loss provision to assets | 0.5492% | 3,188 |
| Net operating income to assets | -0.4246% | 6,353 |
| Return on assets (ROA) | -0.4246% | 6,351 |
| Pretax return on assets | -0.4228% | 6,227 |
| Return on Equity (ROE) | -1.9387% | 6,092 |
| Retained earnings to average equity (ytd only) | -1.9387% | 5,712 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 97.4141% | 1,191 |
| Assets per employee ($millions) | 4.6999% | 2,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3617% | 1,220 |
| Loan loss allowance to noncurrent loans | 260.7362% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 4.5888% | 1,323 |
| Noncurrent loans to loans | 0.9058% | 5,477 |
| Net loans and leases to total assets | 62.3088% | 5,190 |
| Net loans and leases to deposits | 82.3792% | 3,941 |
| Net loans and leases to core deposits | 108.2960% | 3,433 |
| Total domestic deposits to total assets | 75.6365% | 6,655 |
| Equity capital to assets | 19.2392% | 396 |
| Core capital (leverage) ratio | 19.7724% | 327 |
| Tier 1 risk-based capital ratio | 25.0380% | 893 |
| Total risk-based capital ratio | 26.2963% | 868 |
| Memoranda: | ||
| Average total assets | $73,800,250 | 5,936 |
| Average earning assets | $69,435,250 | 5,864 |
| Average equity | $16,162,250 | 3,876 |
| Average total loans | $48,310,250 | 5,790 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6872% | 3,617 |
| Cost of funding earning assets | 1.1103% | 7,355 |
| Net interest margin | 4.5769% | 1,002 |
| Noninterest income to average assets | 0.1481% | 7,206 |
| Noninterest expense to average assets | 4.9914% | 516 |
| Loan and lease loss provision to assets | 0.2991% | 4,171 |
| Net operating income to assets | -0.8234% | 6,845 |
| Return on assets (ROA) | -0.8234% | 6,849 |
| Pretax return on assets | -0.8205% | 6,692 |
| Return on Equity (ROE) | -3.5846% | 6,432 |
| Retained earnings to average equity (ytd only) | -3.5846% | 6,062 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.6635% | 804 |
| Assets per employee ($millions) | 4.1589% | 3,374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2438% | 1,176 |
| Loan loss allowance to noncurrent loans | 37.7015% | 5,893 |
| Noncurrent assets plus other real estate owned to assets | 8.3448% | 440 |
| Noncurrent loans to loans | 5.9515% | 922 |
| Net loans and leases to total assets | 62.6201% | 5,248 |
| Net loans and leases to deposits | 86.2045% | 3,513 |
| Net loans and leases to core deposits | 112.4685% | 3,077 |
| Total domestic deposits to total assets | 72.6413% | 7,160 |
| Equity capital to assets | 21.5199% | 303 |
| Core capital (leverage) ratio | 22.7536% | 253 |
| Tier 1 risk-based capital ratio | 27.2194% | 767 |
| Total risk-based capital ratio | 28.4772% | 749 |
| Memoranda: | ||
| Average total assets | $70,201,000 | 6,077 |
| Average earning assets | $66,289,330 | 5,996 |
| Average equity | $16,124,330 | 3,893 |
| Average total loans | $46,418,000 | 5,915 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5071% | 4,879 |
| Cost of funding earning assets | 1.1911% | 7,319 |
| Net interest margin | 4.3160% | 1,558 |
| Noninterest income to average assets | 0.1356% | 7,327 |
| Noninterest expense to average assets | 5.1038% | 451 |
| Loan and lease loss provision to assets | 0.4420% | 2,715 |
| Net operating income to assets | -1.2671% | 7,399 |
| Return on assets (ROA) | -1.2671% | 7,415 |
| Pretax return on assets | -1.2671% | 7,282 |
| Return on Equity (ROE) | -5.3312% | 7,003 |
| Retained earnings to average equity (ytd only) | -5.3312% | 6,598 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 119.2837% | 647 |
| Assets per employee ($millions) | 3.9326% | 3,805 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1212% | 1,193 |
| Loan loss allowance to noncurrent loans | 16.7414% | 7,328 |
| Noncurrent assets plus other real estate owned to assets | 8.8266% | 293 |
| Noncurrent loans to loans | 12.6706% | 159 |
| Net loans and leases to total assets | 68.1844% | 4,090 |
| Net loans and leases to deposits | 88.5142% | 3,195 |
| Net loans and leases to core deposits | 110.2646% | 3,398 |
| Total domestic deposits to total assets | 77.0322% | 6,272 |
| Equity capital to assets | 22.7262% | 286 |
| Core capital (leverage) ratio | 23.6253% | 266 |
| Tier 1 risk-based capital ratio | 28.1373% | 743 |
| Total risk-based capital ratio | 29.3947% | 730 |
| Memoranda: | ||
| Average total assets | $67,871,000 | 6,184 |
| Average earning assets | $65,152,500 | 6,067 |
| Average equity | $16,131,500 | 3,919 |
| Average total loans | $45,650,000 | 5,977 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7366% | 6,658 |
| Cost of funding earning assets | 1.3106% | 7,838 |
| Net interest margin | 4.4260% | 1,610 |
| Noninterest income to average assets | 0.1181% | 7,532 |
| Noninterest expense to average assets | 6.6224% | 320 |
| Loan and lease loss provision to assets | 1.7837% | 707 |
| Net operating income to assets | -4.0239% | 7,993 |
| Return on assets (ROA) | -4.0239% | 7,976 |
| Pretax return on assets | -4.0219% | 7,892 |
| Return on Equity (ROE) | -11.9202% | 7,423 |
| Retained earnings to average equity (ytd only) | -11.9202% | 7,240 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 151.0502% | 344 |
| Assets per employee ($millions) | 3.6087% | 4,393 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3125% | 840 |
| Loan loss allowance to noncurrent loans | 33.9748% | 6,459 |
| Noncurrent assets plus other real estate owned to assets | 4.3999% | 872 |
| Noncurrent loans to loans | 6.8065% | 462 |
| Net loans and leases to total assets | 63.1474% | 5,427 |
| Net loans and leases to deposits | 84.3194% | 4,381 |
| Net loans and leases to core deposits | 104.1330% | 4,382 |
| Total domestic deposits to total assets | 74.8907% | 6,475 |
| Equity capital to assets | 24.9030% | 268 |
| Core capital (leverage) ratio | 25.1258% | 262 |
| Tier 1 risk-based capital ratio | 31.6314% | 566 |
| Total risk-based capital ratio | 32.8809% | 555 |
| Memoranda: | ||
| Average total assets | $49,951,600 | 6,777 |
| Average earning assets | $48,147,200 | 6,663 |
| Average equity | $16,862,200 | 3,761 |
| Average total loans | $27,073,600 | 6,890 |