Home > Marquis Bank > Performance and Condition Ratios
Marquis Bank, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0254% | 1,413 |
| Cost of funding earning assets | 1.4791% | 425 |
| Net interest margin | 3.5463% | 3,300 |
| Noninterest income to average assets | 0.2166% | 4,367 |
| Noninterest expense to average assets | 1.9975% | 4,536 |
| Loan and lease loss provision to assets | 0.0227% | 3,565 |
| Net operating income to assets | 1.2330% | 1,934 |
| Return on assets (ROA) | 1.2330% | 2,024 |
| Pretax return on assets | 1.6089% | 1,460 |
| Return on Equity (ROE) | 12.9031% | 1,195 |
| Retained earnings to average equity (ytd only) | 10.4582% | 408 |
| Net charge-offs to loans | -0.0115% | 4,505 |
| Credit loss provision to net charge-offs | -235.9375% | 4,321 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0398% | 4,320 |
| Assets per employee ($millions) | 12.1894% | 211 |
| Cash dividends to net income (ytd only)* | 18.9476% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9272% | 3,853 |
| Loan loss allowance to noncurrent loans | 4,616.3636% | 158 |
| Noncurrent assets plus other real estate owned to assets | 0.0170% | 4,573 |
| Noncurrent loans to loans | 0.0201% | 4,486 |
| Net loans and leases to total assets | 83.9839% | 321 |
| Net loans and leases to deposits | 102.9951% | 416 |
| Net loans and leases to core deposits | 129.4365% | 283 |
| Total domestic deposits to total assets | 81.5416% | 3,634 |
| Equity capital to assets | 10.4293% | 3,512 |
| Core capital (leverage) ratio | 9.7652% | 3,772 |
| Tier 1 risk-based capital ratio | 11.8036% | 4,471 |
| Total risk-based capital ratio | 12.7730% | 4,498 |
| Memoranda: | ||
| Average total assets | $664,291,800 | 1,129 |
| Average earning assets | $639,236,600 | 1,081 |
| Average equity | $63,481,000 | 1,324 |
| Average total loans | $556,359,800 | 969 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0401% | 1,444 |
| Cost of funding earning assets | 1.4701% | 453 |
| Net interest margin | 3.5700% | 3,329 |
| Noninterest income to average assets | 0.2272% | 4,378 |
| Noninterest expense to average assets | 1.9731% | 4,601 |
| Loan and lease loss provision to assets | 0.0732% | 2,422 |
| Net operating income to assets | 1.2080% | 2,169 |
| Return on assets (ROA) | 1.2080% | 2,243 |
| Pretax return on assets | 1.6145% | 1,589 |
| Return on Equity (ROE) | 12.9262% | 1,305 |
| Retained earnings to average equity (ytd only) | 10.0424% | 737 |
| Net charge-offs to loans | -0.0153% | 4,507 |
| Credit loss provision to net charge-offs | -573.4375% | 4,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.8989% | 4,410 |
| Assets per employee ($millions) | 9.6684% | 384 |
| Cash dividends to net income (ytd only)* | 22.3102% | 2,948 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9365% | 3,890 |
| Loan loss allowance to noncurrent loans | 4,812.7273% | 145 |
| Noncurrent assets plus other real estate owned to assets | 0.2686% | 3,477 |
| Noncurrent loans to loans | 0.0195% | 4,587 |
| Net loans and leases to total assets | 82.7398% | 493 |
| Net loans and leases to deposits | 96.6983% | 927 |
| Net loans and leases to core deposits | 126.9764% | 347 |
| Total domestic deposits to total assets | 85.5649% | 2,181 |
| Equity capital to assets | 9.6389% | 4,348 |
| Core capital (leverage) ratio | 9.7156% | 3,951 |
| Tier 1 risk-based capital ratio | 11.1864% | 4,831 |
| Total risk-based capital ratio | 12.1701% | 4,831 |
| Memoranda: | ||
| Average total assets | $668,855,250 | 1,116 |
| Average earning assets | $643,278,750 | 1,073 |
| Average equity | $62,507,000 | 1,335 |
| Average total loans | $558,538,250 | 965 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0487% | 1,357 |
| Cost of funding earning assets | 1.4698% | 419 |
| Net interest margin | 3.5789% | 3,343 |
| Noninterest income to average assets | 0.1690% | 4,742 |
| Noninterest expense to average assets | 1.9835% | 4,629 |
| Loan and lease loss provision to assets | 0.1012% | 1,852 |
| Net operating income to assets | 1.1222% | 2,435 |
| Return on assets (ROA) | 1.1222% | 2,508 |
| Pretax return on assets | 1.5193% | 1,798 |
| Return on Equity (ROE) | 12.1368% | 1,526 |
| Retained earnings to average equity (ytd only) | 9.6172% | 876 |
| Net charge-offs to loans | -0.0234% | 4,602 |
| Credit loss provision to net charge-offs | -518.4615% | 4,143 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.0354% | 4,363 |
| Assets per employee ($millions) | 10.0040% | 332 |
| Cash dividends to net income (ytd only)* | 20.7598% | 2,996 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9329% | 3,953 |
| Loan loss allowance to noncurrent loans | 4,785.4545% | 146 |
| Noncurrent assets plus other real estate owned to assets | 0.2672% | 3,491 |
| Noncurrent loans to loans | 0.0195% | 4,629 |
| Net loans and leases to total assets | 82.1764% | 581 |
| Net loans and leases to deposits | 99.8812% | 688 |
| Net loans and leases to core deposits | 140.8574% | 190 |
| Total domestic deposits to total assets | 82.2741% | 3,439 |
| Equity capital to assets | 9.3067% | 4,571 |
| Core capital (leverage) ratio | 9.6362% | 3,994 |
| Tier 1 risk-based capital ratio | 10.7513% | 5,016 |
| Total risk-based capital ratio | 11.7200% | 5,034 |
| Memoranda: | ||
| Average total assets | $666,210,330 | 1,119 |
| Average earning assets | $639,412,000 | 1,077 |
| Average equity | $61,597,670 | 1,348 |
| Average total loans | $556,294,670 | 969 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1334% | 1,034 |
| Cost of funding earning assets | 1.4544% | 381 |
| Net interest margin | 3.6790% | 2,972 |
| Noninterest income to average assets | 0.1796% | 4,673 |
| Noninterest expense to average assets | 2.0152% | 4,615 |
| Loan and lease loss provision to assets | 0.0024% | 3,386 |
| Net operating income to assets | 1.2494% | 1,895 |
| Return on assets (ROA) | 1.2494% | 1,938 |
| Pretax return on assets | 1.6894% | 1,238 |
| Return on Equity (ROE) | 13.5592% | 1,066 |
| Retained earnings to average equity (ytd only) | 12.2421% | 571 |
| Net charge-offs to loans | -0.0471% | 4,813 |
| Credit loss provision to net charge-offs | -6.1538% | 3,425 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.3624% | 4,504 |
| Assets per employee ($millions) | 9.1118% | 456 |
| Cash dividends to net income (ytd only)* | 9.7135% | 2,650 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8994% | 4,157 |
| Loan loss allowance to noncurrent loans | 4,483.6364% | 155 |
| Noncurrent assets plus other real estate owned to assets | 0.2771% | 3,500 |
| Noncurrent loans to loans | 0.0201% | 4,692 |
| Net loans and leases to total assets | 82.8350% | 490 |
| Net loans and leases to deposits | 98.8902% | 708 |
| Net loans and leases to core deposits | 145.1815% | 147 |
| Total domestic deposits to total assets | 83.7647% | 3,127 |
| Equity capital to assets | 9.4232% | 4,327 |
| Core capital (leverage) ratio | 9.5181% | 4,114 |
| Tier 1 risk-based capital ratio | 10.9710% | 4,990 |
| Total risk-based capital ratio | 11.9193% | 5,022 |
| Memoranda: | ||
| Average total assets | $659,180,000 | 1,137 |
| Average earning assets | $632,022,000 | 1,089 |
| Average equity | $60,741,000 | 1,359 |
| Average total loans | $552,299,000 | 977 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8185% | 1,507 |
| Cost of funding earning assets | 1.0761% | 541 |
| Net interest margin | 3.7423% | 2,893 |
| Noninterest income to average assets | 0.2068% | 4,683 |
| Noninterest expense to average assets | 2.0268% | 4,707 |
| Loan and lease loss provision to assets | 0.1890% | 1,015 |
| Net operating income to assets | 1.2150% | 2,105 |
| Return on assets (ROA) | 1.2150% | 2,103 |
| Pretax return on assets | 1.5995% | 1,473 |
| Return on Equity (ROE) | 13.2987% | 1,237 |
| Retained earnings to average equity (ytd only) | 11.8581% | 330 |
| Net charge-offs to loans | 0.0947% | 1,815 |
| Credit loss provision to net charge-offs | 236.9072% | 1,248 |
| Earnings coverage of net charge-offs (x) | 22.4144% | 1,903 |
| Efficiency ratio | 53.1220% | 4,707 |
| Assets per employee ($millions) | 9.7399% | 367 |
| Cash dividends to net income (ytd only)* | 10.8328% | 3,814 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8743% | 4,281 |
| Loan loss allowance to noncurrent loans | 1,203.7129% | 535 |
| Noncurrent assets plus other real estate owned to assets | 0.3189% | 3,277 |
| Noncurrent loans to loans | 0.0726% | 4,427 |
| Net loans and leases to total assets | 83.2486% | 489 |
| Net loans and leases to deposits | 104.9909% | 422 |
| Net loans and leases to core deposits | 173.0258% | 62 |
| Total domestic deposits to total assets | 79.2913% | 4,253 |
| Equity capital to assets | 9.0080% | 4,568 |
| Core capital (leverage) ratio | 9.4864% | 4,125 |
| Tier 1 risk-based capital ratio | 10.4677% | 5,194 |
| Total risk-based capital ratio | 11.3911% | 5,207 |
| Memoranda: | ||
| Average total assets | $607,799,800 | 1,188 |
| Average earning assets | $586,079,000 | 1,142 |
| Average equity | $55,531,800 | 1,407 |
| Average total loans | $512,113,800 | 1,022 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7480% | 1,554 |
| Cost of funding earning assets | 1.0032% | 585 |
| Net interest margin | 3.7448% | 2,848 |
| Noninterest income to average assets | 0.1865% | 4,854 |
| Noninterest expense to average assets | 2.0303% | 4,687 |
| Loan and lease loss provision to assets | 0.1598% | 1,209 |
| Net operating income to assets | 1.1909% | 2,275 |
| Return on assets (ROA) | 1.1909% | 2,278 |
| Pretax return on assets | 1.6134% | 1,539 |
| Return on Equity (ROE) | 12.9833% | 1,436 |
| Retained earnings to average equity (ytd only) | 12.0047% | 478 |
| Net charge-offs to loans | -0.0008% | 4,008 |
| Credit loss provision to net charge-offs | -23,733.3333% | 4,938 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3805% | 4,671 |
| Assets per employee ($millions) | 10.2154% | 305 |
| Cash dividends to net income (ytd only)* | 7.5372% | 3,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9119% | 4,220 |
| Loan loss allowance to noncurrent loans | 204.4093% | 2,214 |
| Noncurrent assets plus other real estate owned to assets | 0.3735% | 3,183 |
| Noncurrent loans to loans | 0.4461% | 3,054 |
| Net loans and leases to total assets | 82.9692% | 567 |
| Net loans and leases to deposits | 101.9400% | 655 |
| Net loans and leases to core deposits | 151.7873% | 122 |
| Total domestic deposits to total assets | 81.3902% | 3,767 |
| Equity capital to assets | 8.9366% | 4,605 |
| Core capital (leverage) ratio | 9.3489% | 4,338 |
| Tier 1 risk-based capital ratio | 10.5657% | 5,219 |
| Total risk-based capital ratio | 11.5377% | 5,229 |
| Memoranda: | ||
| Average total assets | $594,172,250 | 1,213 |
| Average earning assets | $573,901,000 | 1,174 |
| Average equity | $54,499,500 | 1,430 |
| Average total loans | $501,085,500 | 1,045 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6782% | 1,559 |
| Cost of funding earning assets | 0.9205% | 671 |
| Net interest margin | 3.7577% | 2,723 |
| Noninterest income to average assets | 0.2056% | 4,784 |
| Noninterest expense to average assets | 2.0509% | 4,703 |
| Loan and lease loss provision to assets | 0.1475% | 1,289 |
| Net operating income to assets | 1.2152% | 2,130 |
| Return on assets (ROA) | 1.2152% | 2,125 |
| Pretax return on assets | 1.6424% | 1,368 |
| Return on Equity (ROE) | 13.1227% | 1,331 |
| Retained earnings to average equity (ytd only) | 11.6273% | 571 |
| Net charge-offs to loans | -0.0004% | 3,859 |
| Credit loss provision to net charge-offs | -42,600.0000% | 4,858 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.3982% | 4,749 |
| Assets per employee ($millions) | 9.8830% | 329 |
| Cash dividends to net income (ytd only)* | 11.3960% | 3,265 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9008% | 4,338 |
| Loan loss allowance to noncurrent loans | 159.4073% | 2,668 |
| Noncurrent assets plus other real estate owned to assets | 0.4736% | 2,859 |
| Noncurrent loans to loans | 0.5651% | 2,725 |
| Net loans and leases to total assets | 83.0552% | 573 |
| Net loans and leases to deposits | 100.3799% | 782 |
| Net loans and leases to core deposits | 141.0662% | 187 |
| Total domestic deposits to total assets | 82.7409% | 3,482 |
| Equity capital to assets | 9.0811% | 4,498 |
| Core capital (leverage) ratio | 9.4576% | 4,164 |
| Tier 1 risk-based capital ratio | 10.4479% | 5,293 |
| Total risk-based capital ratio | 11.3899% | 5,321 |
| Memoranda: | ||
| Average total assets | $577,706,330 | 1,246 |
| Average earning assets | $558,846,000 | 1,202 |
| Average equity | $53,495,000 | 1,447 |
| Average total loans | $488,487,670 | 1,073 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6036% | 1,556 |
| Cost of funding earning assets | 0.8770% | 671 |
| Net interest margin | 3.7266% | 2,702 |
| Noninterest income to average assets | 0.2071% | 4,784 |
| Noninterest expense to average assets | 1.9722% | 4,905 |
| Loan and lease loss provision to assets | 0.1592% | 1,136 |
| Net operating income to assets | 1.2310% | 1,890 |
| Return on assets (ROA) | 1.2310% | 1,896 |
| Pretax return on assets | 1.6802% | 1,170 |
| Return on Equity (ROE) | 13.1552% | 1,216 |
| Retained earnings to average equity (ytd only) | 11.7664% | 724 |
| Net charge-offs to loans | -0.0008% | 3,749 |
| Credit loss provision to net charge-offs | -22,300.0000% | 4,544 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.7422% | 4,979 |
| Assets per employee ($millions) | 9.6865% | 357 |
| Cash dividends to net income (ytd only)* | 10.5568% | 2,580 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9048% | 4,429 |
| Loan loss allowance to noncurrent loans | 183.9850% | 2,405 |
| Noncurrent assets plus other real estate owned to assets | 0.4136% | 3,176 |
| Noncurrent loans to loans | 0.4918% | 3,045 |
| Net loans and leases to total assets | 83.3513% | 504 |
| Net loans and leases to deposits | 99.3503% | 759 |
| Net loans and leases to core deposits | 142.7771% | 188 |
| Total domestic deposits to total assets | 83.8963% | 3,370 |
| Equity capital to assets | 9.2801% | 4,284 |
| Core capital (leverage) ratio | 9.5974% | 3,963 |
| Tier 1 risk-based capital ratio | 10.9899% | 5,134 |
| Total risk-based capital ratio | 11.9589% | 5,175 |
| Memoranda: | ||
| Average total assets | $560,187,500 | 1,280 |
| Average earning assets | $541,839,000 | 1,241 |
| Average equity | $52,420,500 | 1,474 |
| Average total loans | $475,960,500 | 1,106 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4874% | 1,749 |
| Cost of funding earning assets | 0.6802% | 1,133 |
| Net interest margin | 3.8072% | 2,403 |
| Noninterest income to average assets | 0.2660% | 4,536 |
| Noninterest expense to average assets | 2.1611% | 4,622 |
| Loan and lease loss provision to assets | 0.1875% | 1,127 |
| Net operating income to assets | 0.9031% | 2,695 |
| Return on assets (ROA) | 0.9031% | 2,723 |
| Pretax return on assets | 1.5961% | 1,299 |
| Return on Equity (ROE) | 9.0768% | 2,281 |
| Retained earnings to average equity (ytd only) | 7.9517% | 787 |
| Net charge-offs to loans | 0.0840% | 2,256 |
| Credit loss provision to net charge-offs | 265.4179% | 1,057 |
| Earnings coverage of net charge-offs (x) | 25.2536% | 1,722 |
| Efficiency ratio | 54.7856% | 4,880 |
| Assets per employee ($millions) | 9.4594% | 376 |
| Cash dividends to net income (ytd only)* | 12.3958% | 3,884 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9068% | 4,445 |
| Loan loss allowance to noncurrent loans | 174.5220% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.4462% | 3,085 |
| Noncurrent loans to loans | 0.5196% | 2,959 |
| Net loans and leases to total assets | 85.1043% | 339 |
| Net loans and leases to deposits | 102.9108% | 552 |
| Net loans and leases to core deposits | 135.9717% | 253 |
| Total domestic deposits to total assets | 82.6972% | 3,660 |
| Equity capital to assets | 9.4413% | 4,282 |
| Core capital (leverage) ratio | 9.7212% | 3,782 |
| Tier 1 risk-based capital ratio | 10.8443% | 5,235 |
| Total risk-based capital ratio | 11.8082% | 5,255 |
| Memoranda: | ||
| Average total assets | $491,313,200 | 1,426 |
| Average earning assets | $474,734,000 | 1,368 |
| Average equity | $48,882,800 | 1,547 |
| Average total loans | $412,880,400 | 1,203 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4392% | 1,825 |
| Cost of funding earning assets | 0.6576% | 1,192 |
| Net interest margin | 3.7815% | 2,471 |
| Noninterest income to average assets | 0.2083% | 4,964 |
| Noninterest expense to average assets | 2.1546% | 4,627 |
| Loan and lease loss provision to assets | 0.0837% | 2,419 |
| Net operating income to assets | 0.9991% | 2,560 |
| Return on assets (ROA) | 0.9991% | 2,614 |
| Pretax return on assets | 1.6247% | 1,330 |
| Return on Equity (ROE) | 9.8998% | 2,178 |
| Retained earnings to average equity (ytd only) | 8.9352% | 866 |
| Net charge-offs to loans | 0.0113% | 3,326 |
| Credit loss provision to net charge-offs | 885.2941% | 400 |
| Earnings coverage of net charge-offs (x) | 180.6559% | 473 |
| Efficiency ratio | 55.7748% | 4,771 |
| Assets per employee ($millions) | 9.4455% | 376 |
| Cash dividends to net income (ytd only)* | 9.7440% | 3,484 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9053% | 4,545 |
| Loan loss allowance to noncurrent loans | 185.3333% | 2,368 |
| Noncurrent assets plus other real estate owned to assets | 0.4042% | 3,416 |
| Noncurrent loans to loans | 0.4884% | 3,226 |
| Net loans and leases to total assets | 82.0104% | 681 |
| Net loans and leases to deposits | 97.0205% | 1,005 |
| Net loans and leases to core deposits | 118.9280% | 620 |
| Total domestic deposits to total assets | 84.5290% | 2,906 |
| Equity capital to assets | 9.6645% | 4,280 |
| Core capital (leverage) ratio | 10.0705% | 3,480 |
| Tier 1 risk-based capital ratio | 11.5314% | 4,947 |
| Total risk-based capital ratio | 12.5011% | 5,002 |
| Memoranda: | ||
| Average total assets | $479,345,500 | 1,467 |
| Average earning assets | $463,258,500 | 1,418 |
| Average equity | $48,377,000 | 1,576 |
| Average total loans | $400,333,500 | 1,239 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4079% | 1,791 |
| Cost of funding earning assets | 0.6423% | 1,196 |
| Net interest margin | 3.7656% | 2,423 |
| Noninterest income to average assets | 0.2434% | 4,785 |
| Noninterest expense to average assets | 2.2126% | 4,540 |
| Loan and lease loss provision to assets | 0.0476% | 3,040 |
| Net operating income to assets | 0.9992% | 2,434 |
| Return on assets (ROA) | 0.9992% | 2,475 |
| Pretax return on assets | 1.6246% | 1,263 |
| Return on Equity (ROE) | 9.7473% | 2,147 |
| Retained earnings to average equity (ytd only) | 9.1193% | 808 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.9550% | 4,716 |
| Assets per employee ($millions) | 8.9851% | 426 |
| Cash dividends to net income (ytd only)* | 6.4433% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9082% | 4,608 |
| 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 | 82.4814% | 607 |
| Net loans and leases to deposits | 98.8121% | 824 |
| Net loans and leases to core deposits | 121.5534% | 497 |
| Total domestic deposits to total assets | 83.4730% | 3,411 |
| Equity capital to assets | 9.9266% | 3,996 |
| Core capital (leverage) ratio | 10.3404% | 3,088 |
| Tier 1 risk-based capital ratio | 11.7515% | 4,806 |
| Total risk-based capital ratio | 12.7261% | 4,870 |
| Memoranda: | ||
| Average total assets | $465,960,670 | 1,503 |
| Average earning assets | $450,601,670 | 1,448 |
| Average equity | $47,767,000 | 1,596 |
| Average total loans | $390,466,000 | 1,269 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3724% | 1,743 |
| Cost of funding earning assets | 0.6459% | 1,096 |
| Net interest margin | 3.7265% | 2,392 |
| Noninterest income to average assets | 0.1558% | 5,340 |
| Noninterest expense to average assets | 2.2830% | 4,449 |
| Loan and lease loss provision to assets | -0.0646% | 5,729 |
| Net operating income to assets | 0.9525% | 2,515 |
| Return on assets (ROA) | 0.9525% | 2,573 |
| Pretax return on assets | 1.5483% | 1,382 |
| Return on Equity (ROE) | 9.1335% | 2,348 |
| Retained earnings to average equity (ytd only) | 7.8603% | 1,518 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6110% | 4,384 |
| Assets per employee ($millions) | 9.2332% | 394 |
| Cash dividends to net income (ytd only)* | 13.9405% | 2,635 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9051% | 4,738 |
| 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 | 82.5842% | 503 |
| Net loans and leases to deposits | 98.1983% | 757 |
| Net loans and leases to core deposits | 119.5161% | 471 |
| Total domestic deposits to total assets | 84.0994% | 3,442 |
| Equity capital to assets | 10.1180% | 3,604 |
| Core capital (leverage) ratio | 10.5653% | 2,827 |
| Tier 1 risk-based capital ratio | 12.2563% | 4,540 |
| Total risk-based capital ratio | 13.2383% | 4,620 |
| Memoranda: | ||
| Average total assets | $451,852,000 | 1,563 |
| Average earning assets | $437,836,000 | 1,496 |
| Average equity | $47,123,000 | 1,609 |
| Average total loans | $380,028,500 | 1,301 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3985% | 1,826 |
| Cost of funding earning assets | 0.6554% | 1,025 |
| Net interest margin | 3.7431% | 2,529 |
| Noninterest income to average assets | 0.2946% | 4,633 |
| Noninterest expense to average assets | 2.2618% | 4,628 |
| Loan and lease loss provision to assets | 0.1613% | 1,532 |
| Net operating income to assets | 0.9070% | 2,783 |
| Return on assets (ROA) | 0.9070% | 2,898 |
| Pretax return on assets | 1.4730% | 1,671 |
| Return on Equity (ROE) | 9.1075% | 2,367 |
| Retained earnings to average equity (ytd only) | 8.8338% | 619 |
| Net charge-offs to loans | 0.0043% | 4,098 |
| Credit loss provision to net charge-offs | 4,564.2857% | 97 |
| Earnings coverage of net charge-offs (x) | 462.4286% | 179 |
| Efficiency ratio | 58.0536% | 4,843 |
| Assets per employee ($millions) | 8.6562% | 478 |
| Cash dividends to net income (ytd only)* | 3.0058% | 4,160 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9861% | 4,407 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,456 |
| Noncurrent loans to loans | 0.0000% | 5,326 |
| Net loans and leases to total assets | 84.1006% | 379 |
| Net loans and leases to deposits | 104.3671% | 419 |
| Net loans and leases to core deposits | 127.2833% | 321 |
| Total domestic deposits to total assets | 80.5815% | 4,433 |
| Equity capital to assets | 10.7671% | 2,851 |
| Core capital (leverage) ratio | 11.0827% | 2,269 |
| Tier 1 risk-based capital ratio | 12.6970% | 4,273 |
| Total risk-based capital ratio | 13.6836% | 4,309 |
| Memoranda: | ||
| Average total assets | $396,141,000 | 1,704 |
| Average earning assets | $381,156,800 | 1,634 |
| Average equity | $39,450,800 | 1,865 |
| Average total loans | $328,945,000 | 1,412 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3518% | 1,991 |
| Cost of funding earning assets | 0.6635% | 987 |
| Net interest margin | 3.6883% | 2,762 |
| Noninterest income to average assets | 0.2333% | 5,074 |
| Noninterest expense to average assets | 2.2664% | 4,612 |
| Loan and lease loss provision to assets | 0.1633% | 1,407 |
| Net operating income to assets | 0.8235% | 3,265 |
| Return on assets (ROA) | 0.8235% | 3,397 |
| Pretax return on assets | 1.3448% | 2,254 |
| Return on Equity (ROE) | 8.4607% | 2,777 |
| Retained earnings to average equity (ytd only) | 8.0784% | 1,142 |
| Net charge-offs to loans | 0.0017% | 3,876 |
| Credit loss provision to net charge-offs | 11,850.0000% | 36 |
| Earnings coverage of net charge-offs (x) | 1,094.9062% | 64 |
| Efficiency ratio | 60.0456% | 4,531 |
| Assets per employee ($millions) | 8.8737% | 430 |
| Cash dividends to net income (ytd only)* | 4.5189% | 3,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9877% | 4,481 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,556 |
| Noncurrent loans to loans | 0.0000% | 5,428 |
| Net loans and leases to total assets | 85.1958% | 314 |
| Net loans and leases to deposits | 99.2256% | 757 |
| Net loans and leases to core deposits | 121.2126% | 472 |
| Total domestic deposits to total assets | 85.8607% | 2,430 |
| Equity capital to assets | 9.1580% | 5,023 |
| Core capital (leverage) ratio | 8.9733% | 4,858 |
| Tier 1 risk-based capital ratio | 10.5030% | 5,618 |
| Total risk-based capital ratio | 11.4781% | 5,664 |
| Memoranda: | ||
| Average total assets | $386,973,750 | 1,736 |
| Average earning assets | $371,549,000 | 1,679 |
| Average equity | $37,663,250 | 1,954 |
| Average total loans | $319,276,000 | 1,457 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3168% | 2,101 |
| Cost of funding earning assets | 0.6580% | 1,011 |
| Net interest margin | 3.6589% | 2,863 |
| Noninterest income to average assets | 0.1153% | 5,721 |
| Noninterest expense to average assets | 2.3143% | 4,570 |
| Loan and lease loss provision to assets | 0.1321% | 1,729 |
| Net operating income to assets | 0.7128% | 3,729 |
| Return on assets (ROA) | 0.7128% | 3,882 |
| Pretax return on assets | 1.1703% | 2,900 |
| Return on Equity (ROE) | 7.1722% | 3,447 |
| Retained earnings to average equity (ytd only) | 7.1351% | 1,535 |
| Net charge-offs to loans | 0.0026% | 3,620 |
| Credit loss provision to net charge-offs | 6,275.0000% | 60 |
| Earnings coverage of net charge-offs (x) | 618.5000% | 101 |
| Efficiency ratio | 63.9884% | 4,013 |
| Assets per employee ($millions) | 8.5278% | 473 |
| Cash dividends to net income (ytd only)* | 0.5170% | 3,611 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9967% | 4,552 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,652 |
| Noncurrent loans to loans | 0.0000% | 5,521 |
| Net loans and leases to total assets | 78.7901% | 1,100 |
| Net loans and leases to deposits | 92.2159% | 1,483 |
| Net loans and leases to core deposits | 113.8439% | 735 |
| Total domestic deposits to total assets | 85.4409% | 2,669 |
| Equity capital to assets | 9.1447% | 5,118 |
| Core capital (leverage) ratio | 9.2182% | 4,565 |
| Tier 1 risk-based capital ratio | 12.1451% | 4,739 |
| Total risk-based capital ratio | 13.1997% | 4,772 |
| Memoranda: | ||
| Average total assets | $379,902,330 | 1,763 |
| Average earning assets | $363,553,330 | 1,714 |
| Average equity | $37,757,000 | 1,952 |
| Average total loans | $308,625,330 | 1,492 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3662% | 1,905 |
| Cost of funding earning assets | 0.6533% | 1,035 |
| Net interest margin | 3.7129% | 2,616 |
| Noninterest income to average assets | 0.1194% | 5,742 |
| Noninterest expense to average assets | 2.3539% | 4,507 |
| Loan and lease loss provision to assets | 0.1347% | 1,564 |
| Net operating income to assets | 0.7131% | 3,647 |
| Return on assets (ROA) | 0.7131% | 3,768 |
| Pretax return on assets | 1.1731% | 2,809 |
| Return on Equity (ROE) | 6.8672% | 3,532 |
| Retained earnings to average equity (ytd only) | 6.7933% | 1,978 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2836% | 4,073 |
| Assets per employee ($millions) | 8.1727% | 525 |
| Cash dividends to net income (ytd only)* | 1.0753% | 2,850 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0148% | 4,524 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1770% | 4,862 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 79.3086% | 912 |
| Net loans and leases to deposits | 95.2383% | 1,018 |
| Net loans and leases to core deposits | 120.5901% | 449 |
| Total domestic deposits to total assets | 83.2738% | 3,800 |
| Equity capital to assets | 9.5331% | 4,639 |
| Core capital (leverage) ratio | 9.7930% | 3,788 |
| Tier 1 risk-based capital ratio | 12.1647% | 4,801 |
| Total risk-based capital ratio | 13.2025% | 4,858 |
| Memoranda: | ||
| Average total assets | $365,187,500 | 1,838 |
| Average earning assets | $348,406,000 | 1,782 |
| Average equity | $37,919,500 | 1,934 |
| Average total loans | $300,058,000 | 1,520 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0455% | 3,137 |
| Cost of funding earning assets | 0.5298% | 1,926 |
| Net interest margin | 3.5158% | 3,463 |
| Noninterest income to average assets | 0.2940% | 4,781 |
| Noninterest expense to average assets | 2.3354% | 4,692 |
| Loan and lease loss provision to assets | 0.0953% | 2,406 |
| Net operating income to assets | 0.7541% | 3,553 |
| Return on assets (ROA) | 0.7541% | 3,646 |
| Pretax return on assets | 1.2437% | 2,492 |
| Return on Equity (ROE) | 6.4866% | 3,786 |
| Retained earnings to average equity (ytd only) | 6.3903% | 1,609 |
| Net charge-offs to loans | 0.0036% | 4,329 |
| Credit loss provision to net charge-offs | 3,311.1111% | 118 |
| Earnings coverage of net charge-offs (x) | 465.0000% | 142 |
| Efficiency ratio | 63.5580% | 4,360 |
| Assets per employee ($millions) | 8.2443% | 507 |
| Cash dividends to net income (ytd only)* | 1.4849% | 4,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 4,460 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.2079% | 4,767 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 83.5663% | 428 |
| Net loans and leases to deposits | 101.5281% | 577 |
| Net loans and leases to core deposits | 130.1904% | 265 |
| Total domestic deposits to total assets | 82.3086% | 4,080 |
| Equity capital to assets | 11.3271% | 2,518 |
| Core capital (leverage) ratio | 11.3990% | 2,048 |
| Tier 1 risk-based capital ratio | 13.6417% | 3,925 |
| Total risk-based capital ratio | 14.6854% | 3,983 |
| Memoranda: | ||
| Average total assets | $312,541,200 | 2,076 |
| Average earning assets | $300,504,200 | 2,016 |
| Average equity | $36,336,600 | 1,964 |
| Average total loans | $246,772,000 | 1,744 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9750% | 3,440 |
| Cost of funding earning assets | 0.5125% | 2,097 |
| Net interest margin | 3.4624% | 3,708 |
| Noninterest income to average assets | 0.3367% | 4,535 |
| Noninterest expense to average assets | 2.3881% | 4,544 |
| Loan and lease loss provision to assets | 0.0925% | 2,319 |
| Net operating income to assets | 0.7247% | 3,790 |
| Return on assets (ROA) | 0.7247% | 3,896 |
| Pretax return on assets | 1.1969% | 2,831 |
| Return on Equity (ROE) | 6.1881% | 4,061 |
| Retained earnings to average equity (ytd only) | 6.0908% | 2,188 |
| Net charge-offs to loans | 0.0011% | 4,149 |
| Credit loss provision to net charge-offs | 10,550.0000% | 39 |
| Earnings coverage of net charge-offs (x) | 1,468.6292% | 51 |
| Efficiency ratio | 64.9380% | 4,075 |
| Assets per employee ($millions) | 7.9959% | 541 |
| Cash dividends to net income (ytd only)* | 1.5731% | 3,787 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1002% | 4,225 |
| Loan loss allowance to noncurrent loans | 73,000.0000% | 17 |
| Noncurrent assets plus other real estate owned to assets | 0.2279% | 4,852 |
| Noncurrent loans to loans | 0.0015% | 5,670 |
| Net loans and leases to total assets | 80.0672% | 816 |
| Net loans and leases to deposits | 98.2733% | 797 |
| Net loans and leases to core deposits | 124.3355% | 368 |
| Total domestic deposits to total assets | 81.4740% | 4,338 |
| Equity capital to assets | 11.7377% | 2,319 |
| Core capital (leverage) ratio | 11.9827% | 1,683 |
| Tier 1 risk-based capital ratio | 14.6245% | 3,485 |
| Total risk-based capital ratio | 15.7352% | 3,492 |
| Memoranda: | ||
| Average total assets | $304,111,750 | 2,138 |
| Average earning assets | $293,428,500 | 2,069 |
| Average equity | $35,615,500 | 2,012 |
| Average total loans | $235,376,000 | 1,838 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9404% | 3,529 |
| Cost of funding earning assets | 0.4929% | 2,318 |
| Net interest margin | 3.4475% | 3,719 |
| Noninterest income to average assets | 0.4389% | 3,779 |
| Noninterest expense to average assets | 2.3956% | 4,561 |
| Loan and lease loss provision to assets | 0.2978% | 519 |
| Net operating income to assets | 0.6523% | 4,113 |
| Return on assets (ROA) | 0.6523% | 4,223 |
| Pretax return on assets | 1.0797% | 3,259 |
| Return on Equity (ROE) | 5.5740% | 4,336 |
| Retained earnings to average equity (ytd only) | 5.4702% | 2,550 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4932% | 4,427 |
| Assets per employee ($millions) | 7.6268% | 628 |
| Cash dividends to net income (ytd only)* | 1.8634% | 3,620 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2654% | 3,425 |
| Loan loss allowance to noncurrent loans | 15,760.0000% | 46 |
| Noncurrent assets plus other real estate owned to assets | 0.2501% | 4,871 |
| Noncurrent loans to loans | 0.0080% | 5,736 |
| Net loans and leases to total assets | 80.6193% | 723 |
| Net loans and leases to deposits | 99.9988% | 658 |
| Net loans and leases to core deposits | 125.2762% | 349 |
| Total domestic deposits to total assets | 80.6202% | 4,714 |
| Equity capital to assets | 12.3614% | 1,759 |
| Core capital (leverage) ratio | 12.8155% | 1,247 |
| Tier 1 risk-based capital ratio | 15.0416% | 3,338 |
| Total risk-based capital ratio | 16.2913% | 3,268 |
| Memoranda: | ||
| Average total assets | $296,205,000 | 2,199 |
| Average earning assets | $286,469,330 | 2,120 |
| Average equity | $34,660,670 | 2,080 |
| Average total loans | $225,366,000 | 1,914 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6928% | 4,391 |
| Cost of funding earning assets | 0.4982% | 2,297 |
| Net interest margin | 3.1945% | 4,633 |
| Noninterest income to average assets | 0.2056% | 5,484 |
| Noninterest expense to average assets | 2.3717% | 4,681 |
| Loan and lease loss provision to assets | 0.2180% | 814 |
| Net operating income to assets | 0.4209% | 4,993 |
| Return on assets (ROA) | 0.4209% | 5,115 |
| Pretax return on assets | 0.7101% | 4,559 |
| Return on Equity (ROE) | 3.7060% | 5,108 |
| Retained earnings to average equity (ytd only) | 3.5974% | 3,843 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8737% | 3,194 |
| Assets per employee ($millions) | 7.8100% | 590 |
| Cash dividends to net income (ytd only)* | 2.9316% | 2,826 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2972% | 3,418 |
| Loan loss allowance to noncurrent loans | 14,350.0000% | 51 |
| Noncurrent assets plus other real estate owned to assets | 0.2505% | 4,941 |
| Noncurrent loans to loans | 0.0090% | 5,776 |
| Net loans and leases to total assets | 71.6934% | 1,858 |
| Net loans and leases to deposits | 85.4377% | 1,901 |
| Net loans and leases to core deposits | 100.3211% | 1,299 |
| Total domestic deposits to total assets | 83.9131% | 3,849 |
| Equity capital to assets | 12.0877% | 1,962 |
| Core capital (leverage) ratio | 12.7607% | 1,252 |
| Tier 1 risk-based capital ratio | 17.7593% | 2,215 |
| Total risk-based capital ratio | 19.0109% | 2,182 |
| Memoranda: | ||
| Average total assets | $291,772,000 | 2,240 |
| Average earning assets | $282,607,000 | 2,158 |
| Average equity | $33,135,500 | 2,168 |
| Average total loans | $213,500,000 | 1,992 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8114% | 4,459 |
| Cost of funding earning assets | 0.5178% | 2,509 |
| Net interest margin | 3.2936% | 4,592 |
| Noninterest income to average assets | 0.1248% | 6,069 |
| Noninterest expense to average assets | 2.2912% | 5,136 |
| Loan and lease loss provision to assets | 0.0813% | 2,853 |
| Net operating income to assets | 0.5729% | 4,494 |
| Return on assets (ROA) | 0.5729% | 4,577 |
| Pretax return on assets | 0.9425% | 3,722 |
| Return on Equity (ROE) | 5.0214% | 4,652 |
| Retained earnings to average equity (ytd only) | 4.8991% | 2,684 |
| Net charge-offs to loans | 0.0178% | 4,504 |
| Credit loss provision to net charge-offs | 600.0000% | 438 |
| Earnings coverage of net charge-offs (x) | 75.5294% | 667 |
| Efficiency ratio | 69.1161% | 3,687 |
| Assets per employee ($millions) | 7.7487% | 592 |
| Cash dividends to net income (ytd only)* | 2.4356% | 4,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3176% | 3,332 |
| Loan loss allowance to noncurrent loans | 13,555.0000% | 68 |
| Noncurrent assets plus other real estate owned to assets | 0.2735% | 4,937 |
| Noncurrent loans to loans | 0.0097% | 5,883 |
| Net loans and leases to total assets | 72.7891% | 1,792 |
| Net loans and leases to deposits | 84.7746% | 2,125 |
| Net loans and leases to core deposits | 99.2342% | 1,444 |
| Total domestic deposits to total assets | 85.8618% | 2,914 |
| Equity capital to assets | 10.5584% | 3,409 |
| Core capital (leverage) ratio | 11.1846% | 2,231 |
| Tier 1 risk-based capital ratio | 14.3391% | 3,872 |
| Total risk-based capital ratio | 15.5899% | 3,813 |
| Memoranda: | ||
| Average total assets | $250,831,600 | 2,518 |
| Average earning assets | $242,957,200 | 2,402 |
| Average equity | $28,617,400 | 2,368 |
| Average total loans | $191,238,000 | 2,111 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8044% | 4,528 |
| Cost of funding earning assets | 0.5215% | 2,556 |
| Net interest margin | 3.2829% | 4,672 |
| Noninterest income to average assets | 0.1121% | 6,201 |
| Noninterest expense to average assets | 2.3035% | 5,092 |
| Loan and lease loss provision to assets | 0.0640% | 3,070 |
| Net operating income to assets | 0.5622% | 4,622 |
| Return on assets (ROA) | 0.5622% | 4,695 |
| Pretax return on assets | 0.9259% | 3,878 |
| Return on Equity (ROE) | 4.8247% | 4,806 |
| Retained earnings to average equity (ytd only) | 4.7027% | 3,282 |
| Net charge-offs to loans | -0.0100% | 5,425 |
| Credit loss provision to net charge-offs | -835.7143% | 5,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.9435% | 3,519 |
| Assets per employee ($millions) | 8.2881% | 456 |
| Cash dividends to net income (ytd only)* | 2.5295% | 3,765 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3151% | 3,572 |
| Loan loss allowance to noncurrent loans | 329.4698% | 1,399 |
| Noncurrent assets plus other real estate owned to assets | 0.3156% | 5,012 |
| Noncurrent loans to loans | 0.3992% | 4,710 |
| Net loans and leases to total assets | 78.0392% | 957 |
| Net loans and leases to deposits | 90.4019% | 1,385 |
| Net loans and leases to core deposits | 108.1781% | 841 |
| Total domestic deposits to total assets | 86.3247% | 2,685 |
| Equity capital to assets | 11.2871% | 2,669 |
| Core capital (leverage) ratio | 11.4481% | 2,103 |
| Tier 1 risk-based capital ratio | 14.2436% | 4,055 |
| Total risk-based capital ratio | 15.4942% | 3,981 |
| Memoranda: | ||
| Average total assets | $243,801,000 | 2,597 |
| Average earning assets | $236,248,250 | 2,482 |
| Average equity | $28,408,500 | 2,391 |
| Average total loans | $187,607,750 | 2,151 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7728% | 4,612 |
| Cost of funding earning assets | 0.5224% | 2,610 |
| Net interest margin | 3.2503% | 4,780 |
| Noninterest income to average assets | 0.1161% | 6,217 |
| Noninterest expense to average assets | 2.3289% | 5,085 |
| Loan and lease loss provision to assets | -0.0042% | 6,213 |
| Net operating income to assets | 0.5647% | 4,524 |
| Return on assets (ROA) | 0.5647% | 4,628 |
| Pretax return on assets | 0.9306% | 3,757 |
| Return on Equity (ROE) | 4.7924% | 4,773 |
| Retained earnings to average equity (ytd only) | 4.6719% | 3,170 |
| Net charge-offs to loans | -0.0153% | 5,445 |
| Credit loss provision to net charge-offs | 35.7143% | 2,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5422% | 3,425 |
| Assets per employee ($millions) | 7.9043% | 523 |
| Cash dividends to net income (ytd only)* | 2.5148% | 3,609 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3338% | 3,675 |
| Loan loss allowance to noncurrent loans | 322.3767% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 0.3127% | 5,123 |
| Noncurrent loans to loans | 0.4137% | 4,748 |
| Net loans and leases to total assets | 74.5798% | 1,365 |
| Net loans and leases to deposits | 87.2412% | 1,677 |
| Net loans and leases to core deposits | 104.4166% | 991 |
| Total domestic deposits to total assets | 85.4869% | 3,290 |
| Equity capital to assets | 11.3115% | 2,599 |
| Core capital (leverage) ratio | 11.7617% | 1,817 |
| Tier 1 risk-based capital ratio | 14.7876% | 3,759 |
| Total risk-based capital ratio | 16.0383% | 3,707 |
| Memoranda: | ||
| Average total assets | $239,424,330 | 2,642 |
| Average earning assets | $231,237,000 | 2,535 |
| Average equity | $28,211,330 | 2,393 |
| Average total loans | $182,417,330 | 2,203 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7583% | 4,643 |
| Cost of funding earning assets | 0.5272% | 2,636 |
| Net interest margin | 3.2311% | 4,814 |
| Noninterest income to average assets | 0.1169% | 6,266 |
| Noninterest expense to average assets | 2.4051% | 4,915 |
| Loan and lease loss provision to assets | -0.1496% | 6,531 |
| Net operating income to assets | 0.5948% | 4,222 |
| Return on assets (ROA) | 0.5948% | 4,302 |
| Pretax return on assets | 0.9799% | 3,407 |
| Return on Equity (ROE) | 4.9408% | 4,581 |
| Retained earnings to average equity (ytd only) | 4.8123% | 3,221 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.3358% | 3,077 |
| Assets per employee ($millions) | 8.0474% | 468 |
| Cash dividends to net income (ytd only)* | 2.6012% | 2,820 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3529% | 3,836 |
| Loan loss allowance to noncurrent loans | 310.2402% | 1,446 |
| Noncurrent assets plus other real estate owned to assets | 0.3276% | 5,164 |
| Noncurrent loans to loans | 0.4361% | 4,840 |
| Net loans and leases to total assets | 74.1158% | 1,249 |
| Net loans and leases to deposits | 87.1847% | 1,449 |
| Net loans and leases to core deposits | 105.9817% | 756 |
| Total domestic deposits to total assets | 85.0100% | 3,863 |
| Equity capital to assets | 11.6862% | 2,113 |
| Core capital (leverage) ratio | 12.1072% | 1,593 |
| Tier 1 risk-based capital ratio | 15.2915% | 3,553 |
| Total risk-based capital ratio | 16.5426% | 3,505 |
| Memoranda: | ||
| Average total assets | $232,668,000 | 2,717 |
| Average earning assets | $224,567,000 | 2,612 |
| Average equity | $28,011,500 | 2,408 |
| Average total loans | $178,031,000 | 2,252 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9943% | 4,096 |
| Cost of funding earning assets | 0.5093% | 3,511 |
| Net interest margin | 3.4851% | 3,962 |
| Noninterest income to average assets | 0.2419% | 5,615 |
| Noninterest expense to average assets | 2.5104% | 4,734 |
| Loan and lease loss provision to assets | 0.1793% | 2,060 |
| Net operating income to assets | 0.5114% | 4,682 |
| Return on assets (ROA) | 0.5114% | 4,814 |
| Pretax return on assets | 0.8768% | 3,862 |
| Return on Equity (ROE) | 3.5962% | 5,283 |
| Retained earnings to average equity (ytd only) | 3.4679% | 3,761 |
| Net charge-offs to loans | 0.0020% | 5,441 |
| Credit loss provision to net charge-offs | 11,466.6667% | 20 |
| Earnings coverage of net charge-offs (x) | 675.3333% | 58 |
| Efficiency ratio | 70.3888% | 3,775 |
| Assets per employee ($millions) | 8.2931% | 420 |
| Cash dividends to net income (ytd only)* | 3.5678% | 4,213 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4547% | 3,402 |
| Loan loss allowance to noncurrent loans | 317.2285% | 1,398 |
| Noncurrent assets plus other real estate owned to assets | 0.3577% | 5,181 |
| Noncurrent loans to loans | 0.4586% | 4,848 |
| Net loans and leases to total assets | 76.8756% | 969 |
| Net loans and leases to deposits | 91.9348% | 1,056 |
| Net loans and leases to core deposits | 110.7618% | 580 |
| Total domestic deposits to total assets | 83.6197% | 4,313 |
| Equity capital to assets | 12.4199% | 1,555 |
| Core capital (leverage) ratio | 12.4565% | 1,383 |
| Tier 1 risk-based capital ratio | 15.4437% | 3,409 |
| Total risk-based capital ratio | 16.6959% | 3,354 |
| Memoranda: | ||
| Average total assets | $191,839,000 | 3,134 |
| Average earning assets | $183,009,400 | 3,037 |
| Average equity | $27,278,800 | 2,432 |
| Average total loans | $146,562,000 | 2,610 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0063% | 4,108 |
| Cost of funding earning assets | 0.5066% | 3,706 |
| Net interest margin | 3.4997% | 3,886 |
| Noninterest income to average assets | 0.2379% | 5,733 |
| Noninterest expense to average assets | 2.6221% | 4,319 |
| Loan and lease loss provision to assets | 0.1030% | 3,048 |
| Net operating income to assets | 0.4867% | 4,855 |
| Return on assets (ROA) | 0.4867% | 5,012 |
| Pretax return on assets | 0.8399% | 4,142 |
| Return on Equity (ROE) | 3.2957% | 5,499 |
| Retained earnings to average equity (ytd only) | 3.1680% | 4,419 |
| Net charge-offs to loans | 0.0029% | 5,155 |
| Credit loss provision to net charge-offs | 4,733.3333% | 70 |
| Earnings coverage of net charge-offs (x) | 433.3225% | 134 |
| Efficiency ratio | 73.5504% | 3,133 |
| Assets per employee ($millions) | 7.9692% | 468 |
| Cash dividends to net income (ytd only)* | 3.8753% | 3,643 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4950% | 3,479 |
| Loan loss allowance to noncurrent loans | 281.8072% | 1,451 |
| Noncurrent assets plus other real estate owned to assets | 0.4166% | 5,175 |
| Noncurrent loans to loans | 0.5305% | 4,868 |
| Net loans and leases to total assets | 77.3539% | 829 |
| Net loans and leases to deposits | 94.5734% | 786 |
| Net loans and leases to core deposits | 114.7648% | 430 |
| Total domestic deposits to total assets | 81.7925% | 4,997 |
| Equity capital to assets | 13.8036% | 1,018 |
| Core capital (leverage) ratio | 13.6575% | 968 |
| Tier 1 risk-based capital ratio | 16.9580% | 2,722 |
| Total risk-based capital ratio | 18.2110% | 2,686 |
| Memoranda: | ||
| Average total assets | $183,820,000 | 3,262 |
| Average earning assets | $174,754,250 | 3,182 |
| Average equity | $27,146,000 | 2,469 |
| Average total loans | $139,533,250 | 2,719 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9201% | 4,404 |
| Cost of funding earning assets | 0.4799% | 4,099 |
| Net interest margin | 3.4402% | 4,040 |
| Noninterest income to average assets | 0.2328% | 5,779 |
| Noninterest expense to average assets | 2.6617% | 4,176 |
| Loan and lease loss provision to assets | 0.0190% | 4,513 |
| Net operating income to assets | 0.4959% | 4,816 |
| Return on assets (ROA) | 0.4959% | 4,991 |
| Pretax return on assets | 0.8260% | 4,213 |
| Return on Equity (ROE) | 3.2781% | 5,507 |
| Retained earnings to average equity (ytd only) | 3.1449% | 4,323 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9017% | 2,804 |
| Assets per employee ($millions) | 7.2111% | 658 |
| Cash dividends to net income (ytd only)* | 4.0632% | 3,430 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5121% | 3,528 |
| Loan loss allowance to noncurrent loans | 259.9062% | 1,592 |
| Noncurrent assets plus other real estate owned to assets | 0.4381% | 5,179 |
| Noncurrent loans to loans | 0.5818% | 4,806 |
| Net loans and leases to total assets | 74.1633% | 1,224 |
| Net loans and leases to deposits | 91.0309% | 1,048 |
| Net loans and leases to core deposits | 110.0957% | 560 |
| Total domestic deposits to total assets | 81.4705% | 5,222 |
| Equity capital to assets | 13.9877% | 974 |
| Core capital (leverage) ratio | 14.1469% | 787 |
| Tier 1 risk-based capital ratio | 17.9126% | 2,342 |
| Total risk-based capital ratio | 19.1659% | 2,311 |
| Memoranda: | ||
| Average total assets | $178,683,000 | 3,331 |
| Average earning assets | $170,046,670 | 3,254 |
| Average equity | $27,027,670 | 2,485 |
| Average total loans | $133,893,670 | 2,807 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0198% | 4,036 |
| Cost of funding earning assets | 0.4617% | 4,464 |
| Net interest margin | 3.5580% | 3,443 |
| Noninterest income to average assets | 0.2719% | 5,508 |
| Noninterest expense to average assets | 2.7538% | 3,858 |
| Loan and lease loss provision to assets | 0.0750% | 3,379 |
| Net operating income to assets | 0.4922% | 4,707 |
| Return on assets (ROA) | 0.4922% | 4,862 |
| Pretax return on assets | 0.8203% | 4,085 |
| Return on Equity (ROE) | 3.1198% | 5,535 |
| Retained earnings to average equity (ytd only) | 2.9861% | 4,492 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.4656% | 3,013 |
| Assets per employee ($millions) | 6.8065% | 847 |
| Cash dividends to net income (ytd only)* | 4.2857% | 2,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6846% | 3,073 |
| Loan loss allowance to noncurrent loans | 256.8470% | 1,528 |
| Noncurrent assets plus other real estate owned to assets | 0.5107% | 5,109 |
| Noncurrent loans to loans | 0.6559% | 4,808 |
| Net loans and leases to total assets | 76.5495% | 773 |
| Net loans and leases to deposits | 96.9254% | 495 |
| Net loans and leases to core deposits | 118.6621% | 302 |
| Total domestic deposits to total assets | 78.9778% | 5,967 |
| Equity capital to assets | 15.9042% | 572 |
| Core capital (leverage) ratio | 15.5596% | 509 |
| Tier 1 risk-based capital ratio | 19.7177% | 1,844 |
| Total risk-based capital ratio | 20.9734% | 1,815 |
| Memoranda: | ||
| Average total assets | $170,674,500 | 3,483 |
| Average earning assets | $162,000,000 | 3,401 |
| Average equity | $26,924,500 | 2,533 |
| Average total loans | $127,534,000 | 2,940 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5050% | 6,352 |
| Cost of funding earning assets | 0.4593% | 5,506 |
| Net interest margin | 3.0457% | 5,936 |
| Noninterest income to average assets | 0.1757% | 6,142 |
| Noninterest expense to average assets | 2.4324% | 5,313 |
| Loan and lease loss provision to assets | -0.0322% | 6,850 |
| Net operating income to assets | 1.7362% | 572 |
| Return on assets (ROA) | 1.7362% | 638 |
| Pretax return on assets | 0.6662% | 4,773 |
| Return on Equity (ROE) | 12.2362% | 1,434 |
| Retained earnings to average equity (ytd only) | 12.0945% | 316 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.3220% | 2,240 |
| Assets per employee ($millions) | 7.4429% | 641 |
| Cash dividends to net income (ytd only)* | 1.1578% | 4,287 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7948% | 2,600 |
| Loan loss allowance to noncurrent loans | 253.1646% | 1,517 |
| Noncurrent assets plus other real estate owned to assets | 1.4715% | 3,176 |
| Noncurrent loans to loans | 0.7089% | 4,768 |
| Net loans and leases to total assets | 70.3194% | 1,778 |
| Net loans and leases to deposits | 87.4274% | 1,339 |
| Net loans and leases to core deposits | 103.7652% | 802 |
| Total domestic deposits to total assets | 80.4318% | 5,562 |
| Equity capital to assets | 15.6473% | 611 |
| Core capital (leverage) ratio | 15.5175% | 504 |
| Tier 1 risk-based capital ratio | 20.6535% | 1,532 |
| Total risk-based capital ratio | 21.9104% | 1,501 |
| Memoranda: | ||
| Average total assets | $174,111,400 | 3,386 |
| Average earning assets | $165,250,800 | 3,300 |
| Average equity | $24,705,400 | 2,687 |
| Average total loans | $103,257,000 | 3,451 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3838% | 6,644 |
| Cost of funding earning assets | 0.4504% | 5,795 |
| Net interest margin | 2.9334% | 6,301 |
| Noninterest income to average assets | 0.0084% | 6,911 |
| Noninterest expense to average assets | 2.2580% | 5,801 |
| Loan and lease loss provision to assets | -0.3515% | 7,129 |
| Net operating income to assets | 0.8884% | 3,041 |
| Return on assets (ROA) | 0.8884% | 3,281 |
| Pretax return on assets | 0.8884% | 4,161 |
| Return on Equity (ROE) | 6.4225% | 4,109 |
| Retained earnings to average equity (ytd only) | 6.2792% | 2,504 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7913% | 1,977 |
| Assets per employee ($millions) | 7.1919% | 675 |
| Cash dividends to net income (ytd only)* | 2.2320% | 3,677 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5546% | 3,713 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.0428% | 4,214 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 71.8415% | 1,580 |
| Net loans and leases to deposits | 89.7739% | 1,173 |
| Net loans and leases to core deposits | 107.6115% | 664 |
| Total domestic deposits to total assets | 80.0249% | 5,646 |
| Equity capital to assets | 15.7386% | 655 |
| Core capital (leverage) ratio | 16.3094% | 444 |
| Tier 1 risk-based capital ratio | 21.1862% | 1,479 |
| Total risk-based capital ratio | 22.4399% | 1,448 |
| Memoranda: | ||
| Average total assets | $174,842,750 | 3,417 |
| Average earning assets | $166,083,250 | 3,323 |
| Average equity | $24,185,250 | 2,764 |
| Average total loans | $98,427,000 | 3,603 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1957% | 6,875 |
| Cost of funding earning assets | 0.4393% | 6,040 |
| Net interest margin | 2.7564% | 6,640 |
| Noninterest income to average assets | 0.1608% | 6,381 |
| Noninterest expense to average assets | 2.4115% | 5,416 |
| Loan and lease loss provision to assets | -0.7018% | 7,217 |
| Net operating income to assets | 1.0666% | 2,177 |
| Return on assets (ROA) | 1.0666% | 2,406 |
| Pretax return on assets | 1.0666% | 3,438 |
| Return on Equity (ROE) | 8.0346% | 3,244 |
| Retained earnings to average equity (ytd only) | 7.8926% | 1,679 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.8610% | 1,355 |
| Assets per employee ($millions) | 8.5939% | 371 |
| Cash dividends to net income (ytd only)* | 1.7672% | 3,510 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6338% | 3,484 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9143% | 4,540 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 54.1466% | 4,774 |
| Net loans and leases to deposits | 64.2820% | 4,723 |
| Net loans and leases to core deposits | 71.9617% | 4,298 |
| Total domestic deposits to total assets | 84.2329% | 4,220 |
| Equity capital to assets | 13.6227% | 1,252 |
| Core capital (leverage) ratio | 13.3048% | 1,052 |
| Tier 1 risk-based capital ratio | 23.9635% | 1,017 |
| Total risk-based capital ratio | 25.2179% | 1,001 |
| Memoranda: | ||
| Average total assets | $180,383,000 | 3,350 |
| Average earning assets | $171,165,670 | 3,258 |
| Average equity | $23,946,330 | 2,773 |
| Average total loans | $92,748,000 | 3,737 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0702% | 7,021 |
| Cost of funding earning assets | 0.4651% | 6,052 |
| Net interest margin | 2.6051% | 6,870 |
| Noninterest income to average assets | 0.1508% | 6,485 |
| Noninterest expense to average assets | 2.0894% | 6,290 |
| Loan and lease loss provision to assets | 0.3194% | 1,964 |
| Net operating income to assets | 0.2018% | 5,983 |
| Return on assets (ROA) | 0.2018% | 6,130 |
| Pretax return on assets | 0.2018% | 6,202 |
| Return on Equity (ROE) | 1.5406% | 6,212 |
| Retained earnings to average equity (ytd only) | 1.3882% | 5,543 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.0340% | 2,200 |
| Assets per employee ($millions) | 9.1937% | 303 |
| Cash dividends to net income (ytd only)* | 9.8901% | 2,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5434% | 1,294 |
| Loan loss allowance to noncurrent loans | 121.5805% | 2,593 |
| Noncurrent assets plus other real estate owned to assets | 2.3995% | 2,469 |
| Noncurrent loans to loans | 2.0919% | 3,038 |
| Net loans and leases to total assets | 50.0144% | 5,306 |
| Net loans and leases to deposits | 59.3804% | 5,236 |
| Net loans and leases to core deposits | 65.1024% | 5,005 |
| Total domestic deposits to total assets | 84.2272% | 4,386 |
| Equity capital to assets | 12.8866% | 1,493 |
| Core capital (leverage) ratio | 12.9604% | 1,141 |
| Tier 1 risk-based capital ratio | 23.4111% | 1,080 |
| Total risk-based capital ratio | 24.6745% | 1,059 |
| Memoranda: | ||
| Average total assets | $180,339,000 | 3,372 |
| Average earning assets | $170,280,500 | 3,285 |
| Average equity | $23,627,000 | 2,796 |
| Average total loans | $89,451,000 | 3,843 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6547% | 6,891 |
| Cost of funding earning assets | 0.6642% | 5,744 |
| Net interest margin | 2.9905% | 6,545 |
| Noninterest income to average assets | 0.1987% | 6,081 |
| Noninterest expense to average assets | 2.6868% | 4,796 |
| Loan and lease loss provision to assets | 0.2118% | 4,071 |
| Net operating income to assets | 0.1094% | 5,848 |
| Return on assets (ROA) | 0.1094% | 5,969 |
| Pretax return on assets | 0.1094% | 5,957 |
| Return on Equity (ROE) | 0.6650% | 6,029 |
| Retained earnings to average equity (ytd only) | 0.6182% | 5,558 |
| Net charge-offs to loans | 0.0135% | 6,244 |
| Credit loss provision to net charge-offs | 2,750.0000% | 79 |
| Earnings coverage of net charge-offs (x) | 41.7000% | 649 |
| Efficiency ratio | 89.3214% | 1,244 |
| Assets per employee ($millions) | 9.8225% | 251 |
| Cash dividends to net income (ytd only)* | 7.0423% | 3,939 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6686% | 1,111 |
| Loan loss allowance to noncurrent loans | 114.2857% | 2,711 |
| Noncurrent assets plus other real estate owned to assets | 2.5033% | 2,427 |
| Noncurrent loans to loans | 2.3350% | 2,814 |
| Net loans and leases to total assets | 46.5388% | 5,960 |
| Net loans and leases to deposits | 56.3609% | 5,856 |
| Net loans and leases to core deposits | 62.7387% | 5,569 |
| Total domestic deposits to total assets | 82.5729% | 4,940 |
| Equity capital to assets | 13.3248% | 1,350 |
| Core capital (leverage) ratio | 13.4422% | 987 |
| Tier 1 risk-based capital ratio | 26.0538% | 773 |
| Total risk-based capital ratio | 27.3191% | 759 |
| Memoranda: | ||
| Average total assets | $129,822,000 | 4,175 |
| Average earning assets | $121,953,000 | 4,092 |
| Average equity | $21,354,000 | 2,972 |
| Average total loans | $74,140,000 | 4,343 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8739% | 6,760 |
| Cost of funding earning assets | 0.7269% | 5,614 |
| Net interest margin | 3.1470% | 6,294 |
| Noninterest income to average assets | 0.2258% | 5,999 |
| Noninterest expense to average assets | 2.8207% | 4,268 |
| Loan and lease loss provision to assets | 0.2360% | 3,650 |
| Net operating income to assets | 0.1220% | 5,910 |
| Return on assets (ROA) | 0.1220% | 6,023 |
| Pretax return on assets | 0.1220% | 6,056 |
| Return on Equity (ROE) | 0.6922% | 6,131 |
| Retained earnings to average equity (ytd only) | 0.6922% | 5,741 |
| Net charge-offs to loans | 0.0186% | 5,895 |
| Credit loss provision to net charge-offs | 2,090.0000% | 129 |
| Earnings coverage of net charge-offs (x) | 31.7074% | 899 |
| Efficiency ratio | 88.7389% | 1,270 |
| Assets per employee ($millions) | 10.1663% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7203% | 1,107 |
| Loan loss allowance to noncurrent loans | 110.9422% | 2,697 |
| Noncurrent assets plus other real estate owned to assets | 2.6599% | 2,433 |
| Noncurrent loans to loans | 2.4520% | 2,820 |
| Net loans and leases to total assets | 45.3147% | 6,209 |
| Net loans and leases to deposits | 55.1300% | 6,112 |
| Net loans and leases to core deposits | 60.8280% | 5,921 |
| Total domestic deposits to total assets | 82.1961% | 5,013 |
| Equity capital to assets | 13.6020% | 1,323 |
| Core capital (leverage) ratio | 18.0905% | 316 |
| Tier 1 risk-based capital ratio | 27.3463% | 711 |
| Total risk-based capital ratio | 28.6120% | 692 |
| Memoranda: | ||
| Average total assets | $118,076,250 | 4,480 |
| Average earning assets | $110,790,500 | 4,397 |
| Average equity | $20,802,750 | 3,037 |
| Average total loans | $71,540,250 | 4,475 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3670% | 5,799 |
| Cost of funding earning assets | 0.8271% | 5,205 |
| Net interest margin | 3.5399% | 4,973 |
| Noninterest income to average assets | 0.2845% | 5,604 |
| Noninterest expense to average assets | 3.1956% | 2,915 |
| Loan and lease loss provision to assets | 0.1503% | 4,430 |
| Net operating income to assets | 0.2484% | 5,567 |
| Return on assets (ROA) | 0.2484% | 5,691 |
| Pretax return on assets | 0.2484% | 5,812 |
| Return on Equity (ROE) | 1.2462% | 6,020 |
| Retained earnings to average equity (ytd only) | 1.2462% | 5,357 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9075% | 1,331 |
| Assets per employee ($millions) | 6.8699% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8782% | 1,005 |
| Loan loss allowance to noncurrent loans | 104.6606% | 2,745 |
| Noncurrent assets plus other real estate owned to assets | 4.1822% | 1,518 |
| Noncurrent loans to loans | 2.7500% | 2,651 |
| Net loans and leases to total assets | 63.4246% | 3,594 |
| Net loans and leases to deposits | 83.9839% | 2,111 |
| Net loans and leases to core deposits | 97.4667% | 1,539 |
| Total domestic deposits to total assets | 75.5199% | 6,670 |
| Equity capital to assets | 18.2145% | 370 |
| Core capital (leverage) ratio | 19.1717% | 270 |
| Tier 1 risk-based capital ratio | 25.1997% | 887 |
| Total risk-based capital ratio | 26.4524% | 871 |
| Memoranda: | ||
| Average total assets | $99,826,000 | 4,969 |
| Average earning assets | $93,335,670 | 4,902 |
| Average equity | $19,901,000 | 3,142 |
| Average total loans | $68,551,670 | 4,631 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4234% | 5,609 |
| Cost of funding earning assets | 0.8586% | 5,223 |
| Net interest margin | 3.5648% | 4,747 |
| Noninterest income to average assets | 0.2743% | 5,711 |
| Noninterest expense to average assets | 3.2707% | 2,645 |
| Loan and lease loss provision to assets | 0.1773% | 3,848 |
| Net operating income to assets | 0.1730% | 5,877 |
| Return on assets (ROA) | 0.1730% | 5,923 |
| Pretax return on assets | 0.1730% | 5,999 |
| Return on Equity (ROE) | 0.8266% | 6,186 |
| Retained earnings to average equity (ytd only) | 0.8266% | 5,500 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3263% | 1,309 |
| Assets per employee ($millions) | 5.9469% | 1,237 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9172% | 992 |
| Loan loss allowance to noncurrent loans | 102.9889% | 2,786 |
| Noncurrent assets plus other real estate owned to assets | 4.5471% | 1,422 |
| Noncurrent loans to loans | 2.8325% | 2,667 |
| Net loans and leases to total assets | 66.9229% | 2,779 |
| Net loans and leases to deposits | 90.9234% | 1,133 |
| Net loans and leases to core deposits | 110.5181% | 695 |
| Total domestic deposits to total assets | 73.6036% | 6,940 |
| Equity capital to assets | 19.6732% | 271 |
| Core capital (leverage) ratio | 20.0262% | 229 |
| Tier 1 risk-based capital ratio | 25.5934% | 824 |
| Total risk-based capital ratio | 26.8608% | 798 |
| Memoranda: | ||
| Average total assets | $94,780,000 | 5,144 |
| Average earning assets | $88,981,000 | 5,057 |
| Average equity | $19,841,000 | 3,140 |
| Average total loans | $66,937,000 | 4,734 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3694% | 6,676 |
| Cost of funding earning assets | 1.0071% | 5,656 |
| Net interest margin | 3.3623% | 5,754 |
| Noninterest income to average assets | 0.1938% | 6,385 |
| Noninterest expense to average assets | 3.8268% | 1,438 |
| Loan and lease loss provision to assets | 2.2041% | 552 |
| Net operating income to assets | -2.6987% | 7,228 |
| Return on assets (ROA) | -2.6987% | 7,243 |
| Pretax return on assets | -2.6987% | 7,222 |
| Return on Equity (ROE) | -10.4728% | 6,744 |
| Retained earnings to average equity (ytd only) | -10.4728% | 6,684 |
| Net charge-offs to loans | 0.8856% | 2,419 |
| Credit loss provision to net charge-offs | 354.4186% | 726 |
| Earnings coverage of net charge-offs (x) | -0.7953% | 6,551 |
| Efficiency ratio | 114.8438% | 468 |
| Assets per employee ($millions) | 5.5289% | 1,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1020% | 800 |
| Loan loss allowance to noncurrent loans | 100.8612% | 2,877 |
| Noncurrent assets plus other real estate owned to assets | 5.1965% | 1,207 |
| Noncurrent loans to loans | 3.0755% | 2,481 |
| Net loans and leases to total assets | 70.3040% | 2,466 |
| Net loans and leases to deposits | 97.3225% | 764 |
| Net loans and leases to core deposits | 107.7066% | 1,076 |
| Total domestic deposits to total assets | 72.2381% | 7,065 |
| Equity capital to assets | 22.3743% | 170 |
| Core capital (leverage) ratio | 23.0864% | 148 |
| Tier 1 risk-based capital ratio | 27.7434% | 632 |
| Total risk-based capital ratio | 29.0130% | 614 |
| Memoranda: | ||
| Average total assets | $69,143,200 | 5,910 |
| Average earning assets | $64,539,600 | 5,841 |
| Average equity | $17,817,600 | 3,455 |
| Average total loans | $48,556,400 | 5,537 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4316% | 6,763 |
| Cost of funding earning assets | 1.0873% | 5,504 |
| Net interest margin | 3.3443% | 5,865 |
| Noninterest income to average assets | 0.1430% | 6,836 |
| Noninterest expense to average assets | 3.6653% | 1,639 |
| Loan and lease loss provision to assets | 2.3862% | 454 |
| Net operating income to assets | -2.7967% | 7,408 |
| Return on assets (ROA) | -2.7967% | 7,425 |
| Pretax return on assets | -2.7967% | 7,378 |
| Return on Equity (ROE) | -10.3824% | 6,947 |
| Retained earnings to average equity (ytd only) | -10.3824% | 6,901 |
| Net charge-offs to loans | 1.4572% | 1,391 |
| Credit loss provision to net charge-offs | 235.8607% | 1,433 |
| Earnings coverage of net charge-offs (x) | -0.4057% | 6,291 |
| Efficiency ratio | 112.6115% | 483 |
| Assets per employee ($millions) | 5.2461% | 1,875 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0285% | 802 |
| Loan loss allowance to noncurrent loans | 79.0274% | 3,413 |
| Noncurrent assets plus other real estate owned to assets | 5.9168% | 1,014 |
| Noncurrent loans to loans | 3.8323% | 1,997 |
| Net loans and leases to total assets | 63.4761% | 4,225 |
| Net loans and leases to deposits | 93.1851% | 1,308 |
| Net loans and leases to core deposits | 101.8785% | 1,667 |
| Total domestic deposits to total assets | 68.1183% | 7,372 |
| Equity capital to assets | 25.7946% | 128 |
| Core capital (leverage) ratio | 27.5616% | 99 |
| Tier 1 risk-based capital ratio | 35.3740% | 340 |
| Total risk-based capital ratio | 36.6417% | 334 |
| Memoranda: | ||
| Average total assets | $64,313,250 | 6,126 |
| Average earning assets | $59,841,500 | 6,066 |
| Average equity | $17,323,750 | 3,586 |
| Average total loans | $44,649,500 | 5,799 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4491% | 6,807 |
| Cost of funding earning assets | 1.2069% | 5,087 |
| Net interest margin | 3.2423% | 6,191 |
| Noninterest income to average assets | 0.1210% | 6,999 |
| Noninterest expense to average assets | 3.8104% | 1,345 |
| Loan and lease loss provision to assets | 3.3367% | 274 |
| Net operating income to assets | -4.0020% | 7,624 |
| Return on assets (ROA) | -4.0020% | 7,628 |
| Pretax return on assets | -4.0020% | 7,602 |
| Return on Equity (ROE) | -14.5846% | 7,131 |
| Retained earnings to average equity (ytd only) | -14.5846% | 7,092 |
| Net charge-offs to loans | 2.3039% | 773 |
| Credit loss provision to net charge-offs | 203.4836% | 1,916 |
| Earnings coverage of net charge-offs (x) | -0.4057% | 5,986 |
| Efficiency ratio | 121.1538% | 401 |
| Assets per employee ($millions) | 5.3517% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0236% | 802 |
| Loan loss allowance to noncurrent loans | 51.2614% | 4,884 |
| Noncurrent assets plus other real estate owned to assets | 6.6909% | 819 |
| Noncurrent loans to loans | 5.8985% | 1,092 |
| Net loans and leases to total assets | 64.6323% | 4,128 |
| Net loans and leases to deposits | 101.3958% | 630 |
| Net loans and leases to core deposits | 112.3223% | 1,016 |
| Total domestic deposits to total assets | 63.7426% | 7,591 |
| Equity capital to assets | 29.3926% | 93 |
| Core capital (leverage) ratio | 31.6800% | 72 |
| Tier 1 risk-based capital ratio | 39.8571% | 250 |
| Total risk-based capital ratio | 41.1258% | 244 |
| Memoranda: | ||
| Average total assets | $59,520,670 | 6,326 |
| Average earning assets | $55,516,330 | 6,262 |
| Average equity | $16,332,330 | 3,746 |
| Average total loans | $42,362,670 | 5,941 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6616% | 6,371 |
| Cost of funding earning assets | 1.3659% | 4,387 |
| Net interest margin | 3.2957% | 5,988 |
| Noninterest income to average assets | 0.0661% | 7,389 |
| Noninterest expense to average assets | 4.4555% | 608 |
| Loan and lease loss provision to assets | 0.1982% | 4,523 |
| Net operating income to assets | -1.5414% | 7,345 |
| Return on assets (ROA) | -1.5414% | 7,348 |
| Pretax return on assets | -1.5414% | 7,269 |
| Return on Equity (ROE) | -5.8848% | 6,933 |
| Retained earnings to average equity (ytd only) | -5.8848% | 6,653 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 143.1604% | 236 |
| Assets per employee ($millions) | 4.0672% | 3,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2104% | 1,727 |
| Loan loss allowance to noncurrent loans | 29.1483% | 6,452 |
| Noncurrent assets plus other real estate owned to assets | 5.5672% | 1,105 |
| Noncurrent loans to loans | 7.5834% | 741 |
| Net loans and leases to total assets | 71.7901% | 2,505 |
| Net loans and leases to deposits | 107.9715% | 344 |
| Net loans and leases to core deposits | 131.0402% | 466 |
| Total domestic deposits to total assets | 66.4899% | 7,598 |
| Equity capital to assets | 24.9258% | 145 |
| Core capital (leverage) ratio | 26.4083% | 116 |
| Tier 1 risk-based capital ratio | 33.2912% | 399 |
| Total risk-based capital ratio | 34.5520% | 392 |
| Memoranda: | ||
| Average total assets | $54,495,000 | 6,589 |
| Average earning assets | $50,369,000 | 6,534 |
| Average equity | $14,274,000 | 4,172 |
| Average total loans | $40,360,000 | 6,108 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9153% | 6,674 |
| Cost of funding earning assets | 1.5494% | 5,285 |
| Net interest margin | 3.3659% | 5,510 |
| Noninterest income to average assets | 0.0974% | 7,277 |
| Noninterest expense to average assets | 6.1165% | 294 |
| Loan and lease loss provision to assets | 2.1132% | 1,000 |
| Net operating income to assets | -4.9668% | 7,746 |
| Return on assets (ROA) | -4.9668% | 7,739 |
| Pretax return on assets | -4.9668% | 7,704 |
| Return on Equity (ROE) | -14.6522% | 6,918 |
| Retained earnings to average equity (ytd only) | -14.6522% | 6,866 |
| Net charge-offs to loans | 1.1251% | 2,182 |
| Credit loss provision to net charge-offs | 244.6115% | 1,457 |
| Earnings coverage of net charge-offs (x) | -3.3033% | 7,068 |
| Efficiency ratio | 187.4585% | 168 |
| Assets per employee ($millions) | 4.0038% | 3,810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3048% | 1,474 |
| Loan loss allowance to noncurrent loans | 28.0225% | 6,609 |
| Noncurrent assets plus other real estate owned to assets | 6.1500% | 912 |
| Noncurrent loans to loans | 8.2250% | 596 |
| Net loans and leases to total assets | 73.0485% | 2,501 |
| Net loans and leases to deposits | 115.7659% | 237 |
| Net loans and leases to core deposits | 213.2417% | 74 |
| Total domestic deposits to total assets | 63.1002% | 7,732 |
| Equity capital to assets | 27.5798% | 120 |
| Core capital (leverage) ratio | 26.3727% | 138 |
| Tier 1 risk-based capital ratio | 35.6873% | 328 |
| Total risk-based capital ratio | 36.9499% | 322 |
| Memoranda: | ||
| Average total assets | $46,186,800 | 6,865 |
| Average earning assets | $43,435,600 | 6,789 |
| Average equity | $15,656,400 | 3,936 |
| Average total loans | $35,462,000 | 6,333 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9006% | 6,886 |
| Cost of funding earning assets | 1.4952% | 5,840 |
| Net interest margin | 3.4055% | 5,242 |
| Noninterest income to average assets | 0.1014% | 7,397 |
| Noninterest expense to average assets | 5.5960% | 361 |
| Loan and lease loss provision to assets | 2.8442% | 542 |
| Net operating income to assets | -5.0862% | 7,850 |
| Return on assets (ROA) | -5.0862% | 7,854 |
| Pretax return on assets | -5.0862% | 7,823 |
| Return on Equity (ROE) | -14.2325% | 7,149 |
| Retained earnings to average equity (ytd only) | -14.2325% | 7,087 |
| Net charge-offs to loans | 1.5376% | 1,329 |
| Credit loss provision to net charge-offs | 239.0977% | 1,830 |
| Earnings coverage of net charge-offs (x) | -1.8847% | 6,730 |
| Efficiency ratio | 166.8444% | 250 |
| Assets per employee ($millions) | 4.5987% | 2,698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3552% | 1,228 |
| Loan loss allowance to noncurrent loans | 27.3352% | 6,640 |
| Noncurrent assets plus other real estate owned to assets | 5.8006% | 952 |
| Noncurrent loans to loans | 8.6160% | 532 |
| Net loans and leases to total assets | 65.7383% | 4,481 |
| Net loans and leases to deposits | 102.3993% | 896 |
| Net loans and leases to core deposits | 176.1532% | 212 |
| Total domestic deposits to total assets | 64.1980% | 7,759 |
| Equity capital to assets | 27.2380% | 148 |
| Core capital (leverage) ratio | 30.2794% | 122 |
| Tier 1 risk-based capital ratio | 37.2941% | 328 |
| Total risk-based capital ratio | 38.5545% | 320 |
| Memoranda: | ||
| Average total assets | $44,721,250 | 6,974 |
| Average earning assets | $42,714,500 | 6,879 |
| Average equity | $15,981,750 | 3,918 |
| Average total loans | $34,598,000 | 6,421 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2870% | 5,708 |
| Cost of funding earning assets | 1.4627% | 6,289 |
| Net interest margin | 3.8243% | 3,442 |
| Noninterest income to average assets | 0.1067% | 7,444 |
| Noninterest expense to average assets | 6.0000% | 320 |
| Loan and lease loss provision to assets | 2.6095% | 589 |
| Net operating income to assets | -4.8504% | 7,918 |
| Return on assets (ROA) | -4.8504% | 7,916 |
| Pretax return on assets | -4.8504% | 7,844 |
| Return on Equity (ROE) | -12.2709% | 7,187 |
| Retained earnings to average equity (ytd only) | -12.2709% | 7,069 |
| Net charge-offs to loans | 2.3647% | 754 |
| Credit loss provision to net charge-offs | 134.8371% | 3,455 |
| Earnings coverage of net charge-offs (x) | -1.1579% | 6,260 |
| Efficiency ratio | 159.6129% | 329 |
| Assets per employee ($millions) | 4.2470% | 3,207 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2625% | 4,517 |
| Loan loss allowance to noncurrent loans | 18.8115% | 7,195 |
| Noncurrent assets plus other real estate owned to assets | 5.2229% | 985 |
| Noncurrent loans to loans | 6.7114% | 764 |
| Net loans and leases to total assets | 76.8393% | 1,980 |
| Net loans and leases to deposits | 131.6645% | 107 |
| Net loans and leases to core deposits | 206.3283% | 103 |
| Total domestic deposits to total assets | 58.3599% | 7,973 |
| Equity capital to assets | 33.6858% | 109 |
| Core capital (leverage) ratio | 34.5451% | 111 |
| Tier 1 risk-based capital ratio | 43.3897% | 251 |
| Total risk-based capital ratio | 44.6387% | 242 |
| Memoranda: | ||
| Average total assets | $41,233,670 | 7,160 |
| Average earning assets | $39,379,330 | 7,077 |
| Average equity | $16,298,670 | 3,859 |
| Average total loans | $33,746,670 | 6,519 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9320% | 2,638 |
| Cost of funding earning assets | 1.2766% | 7,094 |
| Net interest margin | 4.6553% | 853 |
| Noninterest income to average assets | 0.0935% | 7,583 |
| Noninterest expense to average assets | 6.8170% | 214 |
| Loan and lease loss provision to assets | 0.9976% | 1,306 |
| Net operating income to assets | -3.3254% | 7,891 |
| Return on assets (ROA) | -3.3254% | 7,893 |
| Pretax return on assets | -3.3254% | 7,814 |
| Return on Equity (ROE) | -7.7204% | 7,218 |
| Retained earnings to average equity (ytd only) | -7.7204% | 6,885 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 151.8519% | 345 |
| Assets per employee ($millions) | 3.3616% | 5,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2471% | 4,466 |
| Loan loss allowance to noncurrent loans | 104.2607% | 2,941 |
| Noncurrent assets plus other real estate owned to assets | 0.9891% | 4,719 |
| Noncurrent loans to loans | 1.1962% | 4,581 |
| Net loans and leases to total assets | 81.6604% | 1,073 |
| Net loans and leases to deposits | 162.8968% | 49 |
| Net loans and leases to core deposits | 246.6752% | 67 |
| Total domestic deposits to total assets | 50.1301% | 8,098 |
| Equity capital to assets | 40.6976% | 91 |
| Core capital (leverage) ratio | 43.6983% | 86 |
| Tier 1 risk-based capital ratio | 48.3436% | 224 |
| Total risk-based capital ratio | 49.5097% | 224 |
| Memoranda: | ||
| Average total assets | $38,492,000 | 7,318 |
| Average earning assets | $36,345,500 | 7,255 |
| Average equity | $16,579,500 | 3,820 |
| Average total loans | $32,442,000 | 6,621 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8926% | 7,901 |
| Cost of funding earning assets | 1.0320% | 8,040 |
| Net interest margin | 3.8606% | 3,739 |
| Noninterest income to average assets | 0.0738% | 7,770 |
| Noninterest expense to average assets | 6.5836% | 325 |
| Loan and lease loss provision to assets | 0.9401% | 1,576 |
| Net operating income to assets | -3.7891% | 7,952 |
| Return on assets (ROA) | -3.7891% | 7,930 |
| Pretax return on assets | -3.7891% | 7,852 |
| Return on Equity (ROE) | -6.8351% | 7,032 |
| Retained earnings to average equity (ytd only) | -6.8351% | 6,763 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 176.2887% | 259 |
| Assets per employee ($millions) | 4.5806% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0150% | 5,887 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 85.1603% | 712 |
| Net loans and leases to deposits | 158.6770% | 67 |
| Net loans and leases to core deposits | 262.5968% | 62 |
| Total domestic deposits to total assets | 53.6690% | 8,092 |
| Equity capital to assets | 45.6870% | 88 |
| Core capital (leverage) ratio | 50.0703% | 78 |
| Tier 1 risk-based capital ratio | 54.7643% | 179 |
| Total risk-based capital ratio | 55.8111% | 178 |
| Memoranda: | ||
| Average total assets | $31,168,200 | 7,596 |
| Average earning assets | $29,555,000 | 7,540 |
| Average equity | $17,278,400 | 3,689 |
| Average total loans | $17,848,800 | 7,466 |