Home > Mechanics' Savings Bank > Performance and Condition Ratios
Mechanics' Savings 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 | 4.7457% | 2,200 |
| Cost of funding earning assets | 1.1655% | 1,107 |
| Net interest margin | 3.5802% | 3,199 |
| Noninterest income to average assets | 0.2839% | 3,986 |
| Noninterest expense to average assets | 2.6071% | 3,155 |
| Loan and lease loss provision to assets | 0.0536% | 2,957 |
| Net operating income to assets | 0.8265% | 3,467 |
| Return on assets (ROA) | 0.9336% | 3,161 |
| Pretax return on assets | 1.1663% | 2,964 |
| Return on Equity (ROE) | 7.2989% | 3,445 |
| Retained earnings to average equity (ytd only) | 7.2989% | 1,257 |
| Net charge-offs to loans | 0.0090% | 3,363 |
| Credit loss provision to net charge-offs | 703.1250% | 453 |
| Earnings coverage of net charge-offs (x) | 142.5000% | 513 |
| Efficiency ratio | 70.5939% | 2,083 |
| Assets per employee ($millions) | 11.7974% | 240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8331% | 4,205 |
| Loan loss allowance to noncurrent loans | 163.1063% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.4321% | 2,663 |
| Noncurrent loans to loans | 0.5108% | 2,659 |
| Net loans and leases to total assets | 83.8836% | 330 |
| Net loans and leases to deposits | 110.7519% | 177 |
| Net loans and leases to core deposits | 137.0133% | 200 |
| Total domestic deposits to total assets | 75.7401% | 4,628 |
| Equity capital to assets | 13.1722% | 1,427 |
| Core capital (leverage) ratio | 13.6514% | 1,009 |
| Tier 1 risk-based capital ratio | 17.0591% | 2,035 |
| Total risk-based capital ratio | 18.0114% | 2,072 |
| Memoranda: | ||
| Average total assets | $419,887,400 | 1,667 |
| Average earning assets | $399,839,400 | 1,630 |
| Average equity | $53,706,600 | 1,505 |
| Average total loans | $356,510,800 | 1,393 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7920% | 2,142 |
| Cost of funding earning assets | 1.1779% | 1,087 |
| Net interest margin | 3.6141% | 3,217 |
| Noninterest income to average assets | 0.2831% | 4,048 |
| Noninterest expense to average assets | 2.6705% | 2,944 |
| Loan and lease loss provision to assets | 0.0516% | 2,875 |
| Net operating income to assets | 0.8012% | 3,670 |
| Return on assets (ROA) | 0.9130% | 3,378 |
| Pretax return on assets | 1.1401% | 3,167 |
| Return on Equity (ROE) | 7.1924% | 3,613 |
| Retained earnings to average equity (ytd only) | 7.1924% | 1,761 |
| Net charge-offs to loans | 0.0008% | 3,437 |
| Credit loss provision to net charge-offs | 8,100.0000% | 49 |
| Earnings coverage of net charge-offs (x) | 1,649.3970% | 45 |
| Efficiency ratio | 71.7427% | 1,880 |
| Assets per employee ($millions) | 11.1402% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8255% | 4,327 |
| Loan loss allowance to noncurrent loans | 128.5156% | 2,888 |
| Noncurrent assets plus other real estate owned to assets | 0.5443% | 2,379 |
| Noncurrent loans to loans | 0.6424% | 2,358 |
| Net loans and leases to total assets | 84.0279% | 356 |
| Net loans and leases to deposits | 109.4566% | 236 |
| Net loans and leases to core deposits | 134.6017% | 246 |
| Total domestic deposits to total assets | 76.7683% | 4,546 |
| Equity capital to assets | 12.9768% | 1,643 |
| Core capital (leverage) ratio | 13.3888% | 1,174 |
| Tier 1 risk-based capital ratio | 16.9007% | 2,119 |
| Total risk-based capital ratio | 17.8669% | 2,153 |
| Memoranda: | ||
| Average total assets | $418,683,000 | 1,685 |
| Average earning assets | $398,432,000 | 1,640 |
| Average equity | $53,147,500 | 1,517 |
| Average total loans | $355,825,750 | 1,404 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7477% | 2,233 |
| Cost of funding earning assets | 1.1608% | 1,102 |
| Net interest margin | 3.5869% | 3,308 |
| Noninterest income to average assets | 0.2608% | 4,192 |
| Noninterest expense to average assets | 2.7161% | 2,857 |
| Loan and lease loss provision to assets | 0.0479% | 2,855 |
| Net operating income to assets | 0.7235% | 3,923 |
| Return on assets (ROA) | 0.8789% | 3,430 |
| Pretax return on assets | 1.0970% | 3,238 |
| Return on Equity (ROE) | 6.9759% | 3,689 |
| Retained earnings to average equity (ytd only) | 6.9759% | 1,817 |
| Net charge-offs to loans | 0.0090% | 2,814 |
| Credit loss provision to net charge-offs | 625.0000% | 507 |
| Earnings coverage of net charge-offs (x) | 123.9375% | 594 |
| Efficiency ratio | 74.0717% | 1,639 |
| Assets per employee ($millions) | 11.5180% | 238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7927% | 4,462 |
| Loan loss allowance to noncurrent loans | 125.4348% | 2,953 |
| Noncurrent assets plus other real estate owned to assets | 0.5622% | 2,331 |
| Noncurrent loans to loans | 0.6319% | 2,363 |
| Net loans and leases to total assets | 84.7263% | 308 |
| Net loans and leases to deposits | 115.0580% | 127 |
| Net loans and leases to core deposits | 142.2610% | 180 |
| Total domestic deposits to total assets | 73.6379% | 4,861 |
| Equity capital to assets | 12.6059% | 1,795 |
| Core capital (leverage) ratio | 13.3209% | 1,181 |
| Tier 1 risk-based capital ratio | 16.4311% | 2,267 |
| Total risk-based capital ratio | 17.3655% | 2,308 |
| Memoranda: | ||
| Average total assets | $417,135,330 | 1,696 |
| Average earning assets | $396,104,670 | 1,646 |
| Average equity | $52,552,000 | 1,525 |
| Average total loans | $354,876,670 | 1,417 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7607% | 2,031 |
| Cost of funding earning assets | 1.1056% | 1,162 |
| Net interest margin | 3.6552% | 3,060 |
| Noninterest income to average assets | 0.2220% | 4,413 |
| Noninterest expense to average assets | 2.7803% | 2,637 |
| Loan and lease loss provision to assets | 0.0485% | 2,684 |
| Net operating income to assets | 0.6792% | 4,005 |
| Return on assets (ROA) | 0.9180% | 3,206 |
| Pretax return on assets | 1.1468% | 2,987 |
| Return on Equity (ROE) | 7.2892% | 3,554 |
| Retained earnings to average equity (ytd only) | 7.2892% | 1,933 |
| Net charge-offs to loans | 0.0080% | 2,405 |
| Credit loss provision to net charge-offs | 714.2857% | 478 |
| Earnings coverage of net charge-offs (x) | 132.1429% | 555 |
| Efficiency ratio | 75.6130% | 1,543 |
| Assets per employee ($millions) | 11.4616% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8119% | 4,483 |
| Loan loss allowance to noncurrent loans | 131.9109% | 2,893 |
| Noncurrent assets plus other real estate owned to assets | 0.5853% | 2,309 |
| Noncurrent loans to loans | 0.6155% | 2,484 |
| Net loans and leases to total assets | 84.2012% | 352 |
| Net loans and leases to deposits | 114.0453% | 146 |
| Net loans and leases to core deposits | 142.2267% | 170 |
| Total domestic deposits to total assets | 73.8313% | 4,947 |
| Equity capital to assets | 12.7539% | 1,598 |
| Core capital (leverage) ratio | 13.3471% | 1,134 |
| Tier 1 risk-based capital ratio | 16.6243% | 2,216 |
| Total risk-based capital ratio | 17.5725% | 2,274 |
| Memoranda: | ||
| Average total assets | $412,620,500 | 1,726 |
| Average earning assets | $390,023,000 | 1,678 |
| Average equity | $51,967,000 | 1,528 |
| Average total loans | $350,335,500 | 1,434 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7112% | 1,784 |
| Cost of funding earning assets | 0.9246% | 1,008 |
| Net interest margin | 3.7866% | 2,709 |
| Noninterest income to average assets | 0.2545% | 4,407 |
| Noninterest expense to average assets | 2.6863% | 3,073 |
| Loan and lease loss provision to assets | -0.0976% | 5,265 |
| Net operating income to assets | 0.9843% | 3,083 |
| Return on assets (ROA) | 0.9843% | 3,083 |
| Pretax return on assets | 1.2546% | 2,678 |
| Return on Equity (ROE) | 8.0923% | 3,392 |
| Retained earnings to average equity (ytd only) | 8.0923% | 1,191 |
| Net charge-offs to loans | 0.0392% | 2,619 |
| Credit loss provision to net charge-offs | -290.4412% | 4,537 |
| Earnings coverage of net charge-offs (x) | 34.4338% | 1,464 |
| Efficiency ratio | 69.8959% | 2,204 |
| Assets per employee ($millions) | 11.4617% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7994% | 4,537 |
| Loan loss allowance to noncurrent loans | 117.7881% | 3,146 |
| Noncurrent assets plus other real estate owned to assets | 0.6197% | 2,188 |
| Noncurrent loans to loans | 0.6787% | 2,300 |
| Net loans and leases to total assets | 84.2408% | 397 |
| Net loans and leases to deposits | 115.9655% | 146 |
| Net loans and leases to core deposits | 145.4608% | 163 |
| Total domestic deposits to total assets | 72.6430% | 5,033 |
| Equity capital to assets | 12.4349% | 1,614 |
| Core capital (leverage) ratio | 13.0293% | 1,239 |
| Tier 1 risk-based capital ratio | 16.1378% | 2,361 |
| Total risk-based capital ratio | 17.2350% | 2,352 |
| Memoranda: | ||
| Average total assets | $404,752,000 | 1,695 |
| Average earning assets | $383,617,200 | 1,658 |
| Average equity | $49,232,000 | 1,533 |
| Average total loans | $346,688,600 | 1,416 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6832% | 1,726 |
| Cost of funding earning assets | 0.8967% | 937 |
| Net interest margin | 3.7864% | 2,696 |
| Noninterest income to average assets | 0.2496% | 4,483 |
| Noninterest expense to average assets | 2.7700% | 2,744 |
| Loan and lease loss provision to assets | -0.0910% | 5,342 |
| Net operating income to assets | 0.9143% | 3,460 |
| Return on assets (ROA) | 0.9143% | 3,466 |
| Pretax return on assets | 1.1642% | 3,142 |
| Return on Equity (ROE) | 7.5598% | 3,727 |
| Retained earnings to average equity (ytd only) | 7.5598% | 1,863 |
| Net charge-offs to loans | 0.0470% | 2,155 |
| Credit loss provision to net charge-offs | -225.4098% | 4,352 |
| Earnings coverage of net charge-offs (x) | 26.5742% | 1,737 |
| Efficiency ratio | 72.0758% | 1,870 |
| Assets per employee ($millions) | 11.3328% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8369% | 4,502 |
| Loan loss allowance to noncurrent loans | 116.2441% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.6540% | 2,232 |
| Noncurrent loans to loans | 0.7199% | 2,278 |
| Net loans and leases to total assets | 85.2130% | 338 |
| Net loans and leases to deposits | 115.8153% | 150 |
| Net loans and leases to core deposits | 145.9780% | 164 |
| Total domestic deposits to total assets | 73.5766% | 5,016 |
| Equity capital to assets | 12.2364% | 1,748 |
| Core capital (leverage) ratio | 12.8046% | 1,364 |
| Tier 1 risk-based capital ratio | 15.9902% | 2,456 |
| Total risk-based capital ratio | 17.1700% | 2,412 |
| Memoranda: | ||
| Average total assets | $402,784,500 | 1,706 |
| Average earning assets | $382,266,250 | 1,671 |
| Average equity | $48,712,750 | 1,550 |
| Average total loans | $345,761,500 | 1,426 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6644% | 1,597 |
| Cost of funding earning assets | 0.8735% | 814 |
| Net interest margin | 3.7909% | 2,591 |
| Noninterest income to average assets | 0.2299% | 4,641 |
| Noninterest expense to average assets | 2.7742% | 2,745 |
| Loan and lease loss provision to assets | -0.1371% | 5,446 |
| Net operating income to assets | 0.9345% | 3,308 |
| Return on assets (ROA) | 0.9345% | 3,310 |
| Pretax return on assets | 1.1899% | 2,973 |
| Return on Equity (ROE) | 7.7583% | 3,605 |
| Retained earnings to average equity (ytd only) | 7.7583% | 1,726 |
| Net charge-offs to loans | 0.0203% | 2,476 |
| Credit loss provision to net charge-offs | -785.7143% | 4,461 |
| Earnings coverage of net charge-offs (x) | 60.3143% | 995 |
| Efficiency ratio | 72.4915% | 1,919 |
| Assets per employee ($millions) | 11.8821% | 197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8711% | 4,464 |
| Loan loss allowance to noncurrent loans | 86.3143% | 3,731 |
| Noncurrent assets plus other real estate owned to assets | 0.8973% | 1,676 |
| Noncurrent loans to loans | 1.0093% | 1,735 |
| Net loans and leases to total assets | 85.0918% | 345 |
| Net loans and leases to deposits | 114.8180% | 180 |
| Net loans and leases to core deposits | 147.3502% | 136 |
| Total domestic deposits to total assets | 74.1102% | 5,033 |
| Equity capital to assets | 12.1406% | 1,750 |
| Core capital (leverage) ratio | 12.7321% | 1,336 |
| Tier 1 risk-based capital ratio | 15.9341% | 2,462 |
| Total risk-based capital ratio | 17.1392% | 2,422 |
| Memoranda: | ||
| Average total assets | $401,053,000 | 1,722 |
| Average earning assets | $380,539,330 | 1,686 |
| Average equity | $48,309,670 | 1,565 |
| Average total loans | $344,153,670 | 1,430 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6100% | 1,538 |
| Cost of funding earning assets | 0.8175% | 887 |
| Net interest margin | 3.7926% | 2,456 |
| Noninterest income to average assets | 0.2152% | 4,722 |
| Noninterest expense to average assets | 2.8840% | 2,430 |
| Loan and lease loss provision to assets | -0.1001% | 5,507 |
| Net operating income to assets | 0.8068% | 3,677 |
| Return on assets (ROA) | 0.8068% | 3,690 |
| Pretax return on assets | 1.0261% | 3,445 |
| Return on Equity (ROE) | 6.7249% | 3,894 |
| Retained earnings to average equity (ytd only) | 6.7249% | 2,399 |
| Net charge-offs to loans | 0.0245% | 2,015 |
| Credit loss provision to net charge-offs | -476.1905% | 3,987 |
| Earnings coverage of net charge-offs (x) | 44.0476% | 1,011 |
| Efficiency ratio | 75.6963% | 1,637 |
| Assets per employee ($millions) | 11.5054% | 215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9296% | 4,305 |
| Loan loss allowance to noncurrent loans | 77.4295% | 3,886 |
| Noncurrent assets plus other real estate owned to assets | 1.1138% | 1,390 |
| Noncurrent loans to loans | 1.2005% | 1,516 |
| Net loans and leases to total assets | 84.9832% | 341 |
| Net loans and leases to deposits | 119.4932% | 117 |
| Net loans and leases to core deposits | 148.0340% | 142 |
| Total domestic deposits to total assets | 71.1197% | 5,329 |
| Equity capital to assets | 11.9417% | 1,832 |
| Core capital (leverage) ratio | 12.5428% | 1,371 |
| Tier 1 risk-based capital ratio | 15.8698% | 2,534 |
| Total risk-based capital ratio | 17.1584% | 2,452 |
| Memoranda: | ||
| Average total assets | $399,583,000 | 1,745 |
| Average earning assets | $378,738,500 | 1,704 |
| Average equity | $47,941,000 | 1,581 |
| Average total loans | $342,837,500 | 1,434 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5351% | 1,599 |
| Cost of funding earning assets | 0.7257% | 906 |
| Net interest margin | 3.8094% | 2,388 |
| Noninterest income to average assets | 0.2343% | 4,731 |
| Noninterest expense to average assets | 2.8095% | 2,736 |
| Loan and lease loss provision to assets | -0.0059% | 5,300 |
| Net operating income to assets | 0.6359% | 3,869 |
| Return on assets (ROA) | 0.6359% | 3,903 |
| Pretax return on assets | 1.0277% | 3,465 |
| Return on Equity (ROE) | 5.3420% | 4,026 |
| Retained earnings to average equity (ytd only) | 5.1261% | 2,046 |
| Net charge-offs to loans | 0.0663% | 2,523 |
| Credit loss provision to net charge-offs | -10.3604% | 4,587 |
| Earnings coverage of net charge-offs (x) | 17.9144% | 2,106 |
| Efficiency ratio | 73.3302% | 2,009 |
| Assets per employee ($millions) | 11.0132% | 240 |
| Cash dividends to net income (ytd only)* | 4.0404% | 4,057 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9796% | 4,056 |
| Loan loss allowance to noncurrent loans | 86.1686% | 3,791 |
| Noncurrent assets plus other real estate owned to assets | 1.0467% | 1,462 |
| Noncurrent loans to loans | 1.1368% | 1,559 |
| Net loans and leases to total assets | 84.9766% | 348 |
| Net loans and leases to deposits | 120.2261% | 114 |
| Net loans and leases to core deposits | 148.8094% | 140 |
| Total domestic deposits to total assets | 70.6807% | 5,381 |
| Equity capital to assets | 12.0547% | 1,795 |
| Core capital (leverage) ratio | 12.5232% | 1,343 |
| Tier 1 risk-based capital ratio | 16.0595% | 2,415 |
| Total risk-based capital ratio | 17.4530% | 2,297 |
| Memoranda: | ||
| Average total assets | $389,211,200 | 1,756 |
| Average earning assets | $367,514,000 | 1,721 |
| Average equity | $46,331,200 | 1,625 |
| Average total loans | $334,619,800 | 1,431 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5156% | 1,601 |
| Cost of funding earning assets | 0.7157% | 900 |
| Net interest margin | 3.7998% | 2,404 |
| Noninterest income to average assets | 0.2437% | 4,747 |
| Noninterest expense to average assets | 2.8067% | 2,701 |
| Loan and lease loss provision to assets | 0.0310% | 3,497 |
| Net operating income to assets | 0.6508% | 4,189 |
| Return on assets (ROA) | 0.6508% | 4,241 |
| Pretax return on assets | 0.9909% | 3,719 |
| Return on Equity (ROE) | 5.4851% | 4,329 |
| Retained earnings to average equity (ytd only) | 5.1951% | 2,750 |
| Net charge-offs to loans | 0.0476% | 2,487 |
| Credit loss provision to net charge-offs | 75.6303% | 2,638 |
| Earnings coverage of net charge-offs (x) | 24.9500% | 1,750 |
| Efficiency ratio | 73.3100% | 2,000 |
| Assets per employee ($millions) | 10.6248% | 261 |
| Cash dividends to net income (ytd only)* | 5.2882% | 3,595 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0499% | 3,797 |
| Loan loss allowance to noncurrent loans | 85.0396% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 1.1058% | 1,503 |
| Noncurrent loans to loans | 1.2346% | 1,541 |
| Net loans and leases to total assets | 85.0383% | 335 |
| Net loans and leases to deposits | 117.5576% | 130 |
| Net loans and leases to core deposits | 145.7507% | 148 |
| Total domestic deposits to total assets | 72.3376% | 5,355 |
| Equity capital to assets | 11.9491% | 1,998 |
| Core capital (leverage) ratio | 12.4217% | 1,448 |
| Tier 1 risk-based capital ratio | 16.2301% | 2,407 |
| Total risk-based capital ratio | 17.6993% | 2,289 |
| Memoranda: | ||
| Average total assets | $387,395,000 | 1,769 |
| Average earning assets | $365,482,750 | 1,740 |
| Average equity | $45,965,500 | 1,651 |
| Average total loans | $333,213,500 | 1,441 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5068% | 1,497 |
| Cost of funding earning assets | 0.7068% | 865 |
| Net interest margin | 3.8000% | 2,286 |
| Noninterest income to average assets | 0.2516% | 4,734 |
| Noninterest expense to average assets | 2.7996% | 2,764 |
| Loan and lease loss provision to assets | 0.0467% | 3,059 |
| Net operating income to assets | 0.6485% | 4,093 |
| Return on assets (ROA) | 0.6485% | 4,142 |
| Pretax return on assets | 0.9868% | 3,615 |
| Return on Equity (ROE) | 5.4789% | 4,281 |
| Retained earnings to average equity (ytd only) | 5.0406% | 2,683 |
| Net charge-offs to loans | 0.0241% | 2,734 |
| Credit loss provision to net charge-offs | 225.0000% | 1,153 |
| Earnings coverage of net charge-offs (x) | 49.8000% | 1,079 |
| Efficiency ratio | 73.0374% | 2,179 |
| Assets per employee ($millions) | 5.2927% | 2,066 |
| Cash dividends to net income (ytd only)* | 8.0000% | 3,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0753% | 3,714 |
| Loan loss allowance to noncurrent loans | 75.9690% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 1.2858% | 1,292 |
| Noncurrent loans to loans | 1.4154% | 1,348 |
| Net loans and leases to total assets | 85.1745% | 328 |
| Net loans and leases to deposits | 117.1667% | 134 |
| Net loans and leases to core deposits | 145.0264% | 151 |
| Total domestic deposits to total assets | 72.6951% | 5,411 |
| Equity capital to assets | 11.8114% | 2,067 |
| Core capital (leverage) ratio | 12.3650% | 1,436 |
| Tier 1 risk-based capital ratio | 16.0924% | 2,462 |
| Total risk-based capital ratio | 17.5494% | 2,336 |
| Memoranda: | ||
| Average total assets | $385,487,330 | 1,780 |
| Average earning assets | $363,318,000 | 1,750 |
| Average equity | $45,629,330 | 1,662 |
| Average total loans | $331,668,670 | 1,453 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4708% | 1,445 |
| Cost of funding earning assets | 0.6936% | 865 |
| Net interest margin | 3.7772% | 2,195 |
| Noninterest income to average assets | 0.2416% | 4,804 |
| Noninterest expense to average assets | 2.7259% | 3,049 |
| Loan and lease loss provision to assets | 0.0941% | 1,971 |
| Net operating income to assets | 0.6485% | 3,940 |
| Return on assets (ROA) | 0.6485% | 3,974 |
| Pretax return on assets | 0.9759% | 3,477 |
| Return on Equity (ROE) | 5.4730% | 4,160 |
| Retained earnings to average equity (ytd only) | 5.4730% | 2,620 |
| Net charge-offs to loans | 0.0219% | 2,338 |
| Credit loss provision to net charge-offs | 500.0000% | 560 |
| Earnings coverage of net charge-offs (x) | 56.8333% | 837 |
| Efficiency ratio | 71.8104% | 2,612 |
| Assets per employee ($millions) | 5.0956% | 2,307 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1041% | 3,698 |
| Loan loss allowance to noncurrent loans | 81.5055% | 3,974 |
| Noncurrent assets plus other real estate owned to assets | 1.2073% | 1,455 |
| Noncurrent loans to loans | 1.3546% | 1,490 |
| Net loans and leases to total assets | 85.5254% | 252 |
| Net loans and leases to deposits | 119.7112% | 91 |
| Net loans and leases to core deposits | 149.5251% | 109 |
| Total domestic deposits to total assets | 71.4431% | 5,570 |
| Equity capital to assets | 11.9550% | 1,874 |
| Core capital (leverage) ratio | 12.3111% | 1,438 |
| Tier 1 risk-based capital ratio | 15.9579% | 2,567 |
| Total risk-based capital ratio | 17.4091% | 2,435 |
| Memoranda: | ||
| Average total assets | $382,399,500 | 1,808 |
| Average earning assets | $359,844,500 | 1,776 |
| Average equity | $45,313,500 | 1,674 |
| Average total loans | $328,891,500 | 1,464 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5688% | 1,364 |
| Cost of funding earning assets | 0.6708% | 948 |
| Net interest margin | 3.8980% | 1,976 |
| Noninterest income to average assets | 0.2495% | 4,929 |
| Noninterest expense to average assets | 2.8391% | 2,881 |
| Loan and lease loss provision to assets | -0.0394% | 5,561 |
| Net operating income to assets | 0.7368% | 3,610 |
| Return on assets (ROA) | 0.7406% | 3,701 |
| Pretax return on assets | 1.1315% | 2,962 |
| Return on Equity (ROE) | 6.4214% | 3,780 |
| Retained earnings to average equity (ytd only) | 6.4214% | 1,489 |
| Net charge-offs to loans | 0.0890% | 2,427 |
| Credit loss provision to net charge-offs | -51.5464% | 4,820 |
| Earnings coverage of net charge-offs (x) | 14.1993% | 2,308 |
| Efficiency ratio | 72.3260% | 2,542 |
| Assets per employee ($millions) | 5.3143% | 2,044 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0929% | 3,751 |
| Loan loss allowance to noncurrent loans | 78.4258% | 4,035 |
| Noncurrent assets plus other real estate owned to assets | 1.2343% | 1,456 |
| Noncurrent loans to loans | 1.3936% | 1,467 |
| Net loans and leases to total assets | 84.6001% | 330 |
| Net loans and leases to deposits | 120.8164% | 85 |
| Net loans and leases to core deposits | 151.7144% | 105 |
| Total domestic deposits to total assets | 70.0237% | 5,664 |
| Equity capital to assets | 11.7447% | 1,974 |
| Core capital (leverage) ratio | 12.3060% | 1,429 |
| Tier 1 risk-based capital ratio | 16.3702% | 2,396 |
| Total risk-based capital ratio | 17.8117% | 2,266 |
| Memoranda: | ||
| Average total assets | $380,372,200 | 1,764 |
| Average earning assets | $358,696,400 | 1,730 |
| Average equity | $43,868,600 | 1,690 |
| Average total loans | $326,853,200 | 1,426 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5697% | 1,360 |
| Cost of funding earning assets | 0.6674% | 962 |
| Net interest margin | 3.9024% | 1,972 |
| Noninterest income to average assets | 0.2545% | 4,936 |
| Noninterest expense to average assets | 2.8182% | 2,944 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7360% | 3,660 |
| Return on assets (ROA) | 0.7411% | 3,771 |
| Pretax return on assets | 1.1286% | 3,115 |
| Return on Equity (ROE) | 6.4554% | 3,857 |
| Retained earnings to average equity (ytd only) | 6.4554% | 1,935 |
| Net charge-offs to loans | 0.1179% | 1,770 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 11.0486% | 2,532 |
| Efficiency ratio | 71.5444% | 2,641 |
| Assets per employee ($millions) | 5.3731% | 1,978 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1362% | 3,637 |
| Loan loss allowance to noncurrent loans | 79.2224% | 4,066 |
| Noncurrent assets plus other real estate owned to assets | 1.2986% | 1,480 |
| Noncurrent loans to loans | 1.4342% | 1,512 |
| Net loans and leases to total assets | 85.0495% | 323 |
| Net loans and leases to deposits | 123.7303% | 81 |
| Net loans and leases to core deposits | 155.3196% | 104 |
| Total domestic deposits to total assets | 68.7378% | 5,749 |
| Equity capital to assets | 11.7195% | 2,325 |
| Core capital (leverage) ratio | 12.0287% | 1,657 |
| Tier 1 risk-based capital ratio | 16.8841% | 2,266 |
| Total risk-based capital ratio | 18.3320% | 2,154 |
| Memoranda: | ||
| Average total assets | $379,806,750 | 1,768 |
| Average earning assets | $358,611,750 | 1,730 |
| Average equity | $43,601,000 | 1,714 |
| Average total loans | $326,745,000 | 1,426 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5892% | 1,286 |
| Cost of funding earning assets | 0.6585% | 1,005 |
| Net interest margin | 3.9306% | 1,878 |
| Noninterest income to average assets | 0.2531% | 4,958 |
| Noninterest expense to average assets | 2.8425% | 2,864 |
| Loan and lease loss provision to assets | 0.0079% | 3,917 |
| Net operating income to assets | 0.7347% | 3,627 |
| Return on assets (ROA) | 0.7388% | 3,774 |
| Pretax return on assets | 1.1264% | 3,098 |
| Return on Equity (ROE) | 6.4814% | 3,812 |
| Retained earnings to average equity (ytd only) | 6.4814% | 1,882 |
| Net charge-offs to loans | 0.1539% | 1,408 |
| Credit loss provision to net charge-offs | 5.9761% | 3,024 |
| Earnings coverage of net charge-offs (x) | 8.5219% | 2,510 |
| Efficiency ratio | 71.5899% | 2,732 |
| Assets per employee ($millions) | 5.1299% | 2,163 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1472% | 3,667 |
| Loan loss allowance to noncurrent loans | 69.6044% | 4,372 |
| Noncurrent assets plus other real estate owned to assets | 1.4815% | 1,297 |
| Noncurrent loans to loans | 1.6481% | 1,293 |
| Net loans and leases to total assets | 84.7281% | 366 |
| Net loans and leases to deposits | 123.5758% | 81 |
| Net loans and leases to core deposits | 152.1735% | 110 |
| Total domestic deposits to total assets | 68.5637% | 5,826 |
| Equity capital to assets | 11.4566% | 2,593 |
| Core capital (leverage) ratio | 11.8469% | 1,730 |
| Tier 1 risk-based capital ratio | 16.7125% | 2,343 |
| Total risk-based capital ratio | 18.1681% | 2,205 |
| Memoranda: | ||
| Average total assets | $379,244,670 | 1,764 |
| Average earning assets | $358,670,670 | 1,737 |
| Average equity | $43,231,670 | 1,724 |
| Average total loans | $326,264,330 | 1,431 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6040% | 1,257 |
| Cost of funding earning assets | 0.6656% | 966 |
| Net interest margin | 3.9384% | 1,818 |
| Noninterest income to average assets | 0.2752% | 4,758 |
| Noninterest expense to average assets | 2.8452% | 2,906 |
| Loan and lease loss provision to assets | 0.2178% | 884 |
| Net operating income to assets | 0.6166% | 4,109 |
| Return on assets (ROA) | 0.6173% | 4,222 |
| Pretax return on assets | 0.9413% | 3,688 |
| Return on Equity (ROE) | 5.4288% | 4,266 |
| Retained earnings to average equity (ytd only) | 5.4288% | 2,697 |
| Net charge-offs to loans | 0.1368% | 1,290 |
| Credit loss provision to net charge-offs | 184.6847% | 1,133 |
| Earnings coverage of net charge-offs (x) | 9.8198% | 1,960 |
| Efficiency ratio | 71.0722% | 2,947 |
| Assets per employee ($millions) | 5.0484% | 2,290 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2659% | 3,081 |
| Loan loss allowance to noncurrent loans | 85.0289% | 3,970 |
| Noncurrent assets plus other real estate owned to assets | 1.4304% | 1,448 |
| Noncurrent loans to loans | 1.4888% | 1,584 |
| Net loans and leases to total assets | 84.7012% | 314 |
| Net loans and leases to deposits | 122.3327% | 84 |
| Net loans and leases to core deposits | 153.7247% | 97 |
| Total domestic deposits to total assets | 69.2384% | 5,893 |
| Equity capital to assets | 11.3865% | 2,547 |
| Core capital (leverage) ratio | 11.7985% | 1,751 |
| Tier 1 risk-based capital ratio | 16.6854% | 2,402 |
| Total risk-based capital ratio | 18.1298% | 2,276 |
| Memoranda: | ||
| Average total assets | $376,497,000 | 1,781 |
| Average earning assets | $356,387,000 | 1,745 |
| Average equity | $42,808,500 | 1,738 |
| Average total loans | $324,513,500 | 1,428 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5374% | 1,493 |
| Cost of funding earning assets | 0.6195% | 1,239 |
| Net interest margin | 3.9178% | 1,971 |
| Noninterest income to average assets | 0.2988% | 4,746 |
| Noninterest expense to average assets | 2.9568% | 2,681 |
| Loan and lease loss provision to assets | 0.1669% | 1,375 |
| Net operating income to assets | 0.5967% | 4,283 |
| Return on assets (ROA) | 0.5997% | 4,372 |
| Pretax return on assets | 0.9109% | 3,791 |
| Return on Equity (ROE) | 5.4744% | 4,298 |
| Retained earnings to average equity (ytd only) | 5.4744% | 2,091 |
| Net charge-offs to loans | 0.3203% | 933 |
| Credit loss provision to net charge-offs | 61.0236% | 3,255 |
| Earnings coverage of net charge-offs (x) | 3.9242% | 3,641 |
| Efficiency ratio | 73.3703% | 2,678 |
| Assets per employee ($millions) | 5.0590% | 2,294 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2396% | 3,249 |
| Loan loss allowance to noncurrent loans | 68.9365% | 4,411 |
| Noncurrent assets plus other real estate owned to assets | 1.6967% | 1,148 |
| Noncurrent loans to loans | 1.7982% | 1,220 |
| Net loans and leases to total assets | 85.5296% | 268 |
| Net loans and leases to deposits | 123.8085% | 75 |
| Net loans and leases to core deposits | 151.5525% | 104 |
| Total domestic deposits to total assets | 69.0821% | 5,936 |
| Equity capital to assets | 11.3537% | 2,495 |
| Core capital (leverage) ratio | 11.9935% | 1,620 |
| Tier 1 risk-based capital ratio | 16.3133% | 2,560 |
| Total risk-based capital ratio | 17.7450% | 2,442 |
| Memoranda: | ||
| Average total assets | $371,519,200 | 1,764 |
| Average earning assets | $353,816,800 | 1,706 |
| Average equity | $40,698,400 | 1,769 |
| Average total loans | $317,203,400 | 1,400 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5290% | 1,511 |
| Cost of funding earning assets | 0.6121% | 1,332 |
| Net interest margin | 3.9169% | 1,976 |
| Noninterest income to average assets | 0.3348% | 4,551 |
| Noninterest expense to average assets | 3.0506% | 2,360 |
| Loan and lease loss provision to assets | 0.2096% | 936 |
| Net operating income to assets | 0.5296% | 4,678 |
| Return on assets (ROA) | 0.5336% | 4,760 |
| Pretax return on assets | 0.8151% | 4,290 |
| Return on Equity (ROE) | 4.9162% | 4,664 |
| Retained earnings to average equity (ytd only) | 4.9162% | 2,973 |
| Net charge-offs to loans | 0.4100% | 626 |
| Credit loss provision to net charge-offs | 60.1031% | 2,907 |
| Earnings coverage of net charge-offs (x) | 2.9206% | 3,581 |
| Efficiency ratio | 74.9669% | 2,409 |
| Assets per employee ($millions) | 5.0706% | 2,213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2658% | 3,275 |
| Loan loss allowance to noncurrent loans | 65.2942% | 4,541 |
| Noncurrent assets plus other real estate owned to assets | 1.8249% | 1,165 |
| Noncurrent loans to loans | 1.9386% | 1,199 |
| Net loans and leases to total assets | 84.8809% | 313 |
| Net loans and leases to deposits | 119.8535% | 105 |
| Net loans and leases to core deposits | 146.1655% | 129 |
| Total domestic deposits to total assets | 70.8205% | 5,935 |
| Equity capital to assets | 11.0870% | 2,917 |
| Core capital (leverage) ratio | 11.7967% | 1,820 |
| Tier 1 risk-based capital ratio | 16.4764% | 2,589 |
| Total risk-based capital ratio | 17.8938% | 2,464 |
| Memoranda: | ||
| Average total assets | $370,808,250 | 1,782 |
| Average earning assets | $353,536,500 | 1,718 |
| Average equity | $40,247,000 | 1,805 |
| Average total loans | $315,451,750 | 1,411 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5014% | 1,533 |
| Cost of funding earning assets | 0.6080% | 1,360 |
| Net interest margin | 3.8934% | 2,000 |
| Noninterest income to average assets | 0.3676% | 4,311 |
| Noninterest expense to average assets | 3.1566% | 2,104 |
| Loan and lease loss provision to assets | 0.2415% | 750 |
| Net operating income to assets | 0.4463% | 4,979 |
| Return on assets (ROA) | 0.4523% | 5,065 |
| Pretax return on assets | 0.6927% | 4,675 |
| Return on Equity (ROE) | 4.1968% | 4,948 |
| Retained earnings to average equity (ytd only) | 4.1968% | 3,362 |
| Net charge-offs to loans | 0.3491% | 753 |
| Credit loss provision to net charge-offs | 81.6029% | 2,310 |
| Earnings coverage of net charge-offs (x) | 3.1257% | 3,239 |
| Efficiency ratio | 77.3376% | 2,153 |
| Assets per employee ($millions) | 4.9497% | 2,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3577% | 2,944 |
| Loan loss allowance to noncurrent loans | 64.4308% | 4,636 |
| Noncurrent assets plus other real estate owned to assets | 2.0257% | 1,080 |
| Noncurrent loans to loans | 2.1073% | 1,145 |
| Net loans and leases to total assets | 84.4094% | 346 |
| Net loans and leases to deposits | 120.2350% | 95 |
| Net loans and leases to core deposits | 151.0235% | 102 |
| Total domestic deposits to total assets | 70.2037% | 6,030 |
| Equity capital to assets | 10.8579% | 3,042 |
| Core capital (leverage) ratio | 11.6866% | 1,848 |
| Tier 1 risk-based capital ratio | 16.2637% | 2,729 |
| Total risk-based capital ratio | 17.6987% | 2,592 |
| Memoranda: | ||
| Average total assets | $371,026,330 | 1,791 |
| Average earning assets | $353,936,330 | 1,726 |
| Average equity | $39,983,000 | 1,821 |
| Average total loans | $314,529,670 | 1,418 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5154% | 1,418 |
| Cost of funding earning assets | 0.5951% | 1,468 |
| Net interest margin | 3.9203% | 1,819 |
| Noninterest income to average assets | 0.4216% | 3,831 |
| Noninterest expense to average assets | 3.1370% | 2,168 |
| Loan and lease loss provision to assets | 0.1078% | 1,907 |
| Net operating income to assets | 0.6006% | 4,288 |
| Return on assets (ROA) | 0.6125% | 4,319 |
| Pretax return on assets | 0.9393% | 3,745 |
| Return on Equity (ROE) | 5.7055% | 4,181 |
| Retained earnings to average equity (ytd only) | 5.7055% | 2,656 |
| Net charge-offs to loans | 0.3093% | 766 |
| Credit loss provision to net charge-offs | 41.3223% | 2,178 |
| Earnings coverage of net charge-offs (x) | 3.9421% | 2,549 |
| Efficiency ratio | 75.3042% | 2,608 |
| Assets per employee ($millions) | 5.0439% | 2,296 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3611% | 3,095 |
| Loan loss allowance to noncurrent loans | 54.8806% | 4,872 |
| Noncurrent assets plus other real estate owned to assets | 2.4774% | 868 |
| Noncurrent loans to loans | 2.4801% | 983 |
| Net loans and leases to total assets | 84.1016% | 301 |
| Net loans and leases to deposits | 121.9429% | 73 |
| Net loans and leases to core deposits | 154.4800% | 87 |
| Total domestic deposits to total assets | 68.9681% | 6,171 |
| Equity capital to assets | 10.9080% | 3,080 |
| Core capital (leverage) ratio | 11.4833% | 2,010 |
| Tier 1 risk-based capital ratio | 16.4433% | 2,711 |
| Total risk-based capital ratio | 17.8837% | 2,576 |
| Memoranda: | ||
| Average total assets | $370,927,500 | 1,799 |
| Average earning assets | $354,255,000 | 1,731 |
| Average equity | $39,821,000 | 1,837 |
| Average total loans | $312,964,000 | 1,428 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6201% | 1,499 |
| Cost of funding earning assets | 0.6379% | 1,494 |
| Net interest margin | 3.9822% | 1,947 |
| Noninterest income to average assets | 0.1722% | 5,825 |
| Noninterest expense to average assets | 2.8531% | 3,291 |
| Loan and lease loss provision to assets | 0.2629% | 843 |
| Net operating income to assets | 0.5548% | 4,583 |
| Return on assets (ROA) | 0.5714% | 4,584 |
| Pretax return on assets | 0.8872% | 3,940 |
| Return on Equity (ROE) | 5.2565% | 4,528 |
| Retained earnings to average equity (ytd only) | 5.2565% | 2,430 |
| Net charge-offs to loans | 0.2689% | 1,609 |
| Credit loss provision to net charge-offs | 116.3636% | 2,053 |
| Earnings coverage of net charge-offs (x) | 4.9758% | 3,525 |
| Efficiency ratio | 71.7384% | 3,248 |
| Assets per employee ($millions) | 5.0493% | 2,260 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4151% | 2,877 |
| Loan loss allowance to noncurrent loans | 50.1477% | 5,097 |
| Noncurrent assets plus other real estate owned to assets | 2.5345% | 905 |
| Noncurrent loans to loans | 2.8219% | 828 |
| Net loans and leases to total assets | 82.3159% | 488 |
| Net loans and leases to deposits | 122.7358% | 76 |
| Net loans and leases to core deposits | 155.0601% | 96 |
| Total domestic deposits to total assets | 67.0676% | 6,296 |
| Equity capital to assets | 10.5656% | 3,402 |
| Core capital (leverage) ratio | 11.3180% | 2,114 |
| Tier 1 risk-based capital ratio | 16.1173% | 2,910 |
| Total risk-based capital ratio | 17.5643% | 2,749 |
| Memoranda: | ||
| Average total assets | $365,212,600 | 1,786 |
| Average earning assets | $348,950,800 | 1,713 |
| Average equity | $39,703,600 | 1,788 |
| Average total loans | $306,802,800 | 1,397 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6346% | 1,478 |
| Cost of funding earning assets | 0.6432% | 1,501 |
| Net interest margin | 3.9914% | 1,909 |
| Noninterest income to average assets | 0.1612% | 5,948 |
| Noninterest expense to average assets | 2.6989% | 3,829 |
| Loan and lease loss provision to assets | 0.3121% | 611 |
| Net operating income to assets | 0.6269% | 4,319 |
| Return on assets (ROA) | 0.6496% | 4,315 |
| Pretax return on assets | 0.9969% | 3,606 |
| Return on Equity (ROE) | 5.9321% | 4,269 |
| Retained earnings to average equity (ytd only) | 5.9321% | 2,454 |
| Net charge-offs to loans | 0.2584% | 1,504 |
| Credit loss provision to net charge-offs | 143.5811% | 1,639 |
| Earnings coverage of net charge-offs (x) | 5.8615% | 3,183 |
| Efficiency ratio | 67.9298% | 3,867 |
| Assets per employee ($millions) | 4.9346% | 2,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4656% | 2,875 |
| Loan loss allowance to noncurrent loans | 53.5963% | 5,015 |
| Noncurrent assets plus other real estate owned to assets | 2.4510% | 1,090 |
| Noncurrent loans to loans | 2.7344% | 1,027 |
| Net loans and leases to total assets | 82.4389% | 469 |
| Net loans and leases to deposits | 116.8005% | 119 |
| Net loans and leases to core deposits | 148.1519% | 110 |
| Total domestic deposits to total assets | 70.5810% | 6,254 |
| Equity capital to assets | 11.0031% | 2,954 |
| Core capital (leverage) ratio | 11.5639% | 2,009 |
| Tier 1 risk-based capital ratio | 16.0492% | 3,038 |
| Total risk-based capital ratio | 17.4832% | 2,892 |
| Memoranda: | ||
| Average total assets | $363,104,000 | 1,805 |
| Average earning assets | $346,772,500 | 1,734 |
| Average equity | $39,760,000 | 1,796 |
| Average total loans | $305,507,000 | 1,414 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6058% | 1,516 |
| Cost of funding earning assets | 0.6464% | 1,535 |
| Net interest margin | 3.9594% | 1,933 |
| Noninterest income to average assets | 0.1419% | 6,112 |
| Noninterest expense to average assets | 2.6133% | 4,193 |
| Loan and lease loss provision to assets | 0.2495% | 881 |
| Net operating income to assets | 0.6897% | 3,897 |
| Return on assets (ROA) | 0.7135% | 3,861 |
| Pretax return on assets | 1.0954% | 3,122 |
| Return on Equity (ROE) | 6.5265% | 3,865 |
| Retained earnings to average equity (ytd only) | 6.5265% | 2,019 |
| Net charge-offs to loans | 0.2762% | 1,435 |
| Credit loss provision to net charge-offs | 107.1429% | 1,867 |
| Earnings coverage of net charge-offs (x) | 5.6190% | 2,897 |
| Efficiency ratio | 66.6384% | 4,257 |
| Assets per employee ($millions) | 4.5598% | 2,827 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4065% | 3,317 |
| Loan loss allowance to noncurrent loans | 46.8529% | 5,286 |
| Noncurrent assets plus other real estate owned to assets | 2.7186% | 972 |
| Noncurrent loans to loans | 3.0018% | 966 |
| Net loans and leases to total assets | 83.8733% | 307 |
| Net loans and leases to deposits | 118.6472% | 98 |
| Net loans and leases to core deposits | 154.4279% | 88 |
| Total domestic deposits to total assets | 70.6913% | 6,326 |
| Equity capital to assets | 11.2021% | 2,694 |
| Core capital (leverage) ratio | 11.5436% | 1,964 |
| Tier 1 risk-based capital ratio | 16.0931% | 3,042 |
| Total risk-based capital ratio | 17.5227% | 2,896 |
| Memoranda: | ||
| Average total assets | $360,773,000 | 1,813 |
| Average earning assets | $344,393,670 | 1,742 |
| Average equity | $39,439,330 | 1,797 |
| Average total loans | $304,128,670 | 1,414 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6229% | 1,445 |
| Cost of funding earning assets | 0.6362% | 1,677 |
| Net interest margin | 3.9867% | 1,811 |
| Noninterest income to average assets | 0.1872% | 5,843 |
| Noninterest expense to average assets | 2.8838% | 3,273 |
| Loan and lease loss provision to assets | 0.2770% | 743 |
| Net operating income to assets | 0.5414% | 4,495 |
| Return on assets (ROA) | 0.5717% | 4,419 |
| Pretax return on assets | 0.8775% | 3,796 |
| Return on Equity (ROE) | 5.2947% | 4,391 |
| Retained earnings to average equity (ytd only) | 5.2947% | 2,918 |
| Net charge-offs to loans | 0.2126% | 1,479 |
| Credit loss provision to net charge-offs | 155.2795% | 1,230 |
| Earnings coverage of net charge-offs (x) | 6.2112% | 2,255 |
| Efficiency ratio | 72.2454% | 3,443 |
| Assets per employee ($millions) | 4.7123% | 2,648 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4363% | 3,439 |
| Loan loss allowance to noncurrent loans | 45.5531% | 5,376 |
| Noncurrent assets plus other real estate owned to assets | 3.0076% | 952 |
| Noncurrent loans to loans | 3.1531% | 982 |
| Net loans and leases to total assets | 82.6258% | 320 |
| Net loans and leases to deposits | 116.6756% | 93 |
| Net loans and leases to core deposits | 153.3448% | 89 |
| Total domestic deposits to total assets | 70.8167% | 6,410 |
| Equity capital to assets | 10.8230% | 2,908 |
| Core capital (leverage) ratio | 11.3889% | 2,061 |
| Tier 1 risk-based capital ratio | 15.9900% | 3,173 |
| Total risk-based capital ratio | 17.3998% | 3,051 |
| Memoranda: | ||
| Average total assets | $361,045,500 | 1,820 |
| Average earning assets | $344,543,000 | 1,748 |
| Average equity | $38,982,500 | 1,806 |
| Average total loans | $302,970,500 | 1,426 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6991% | 1,573 |
| Cost of funding earning assets | 0.7610% | 1,433 |
| Net interest margin | 3.9382% | 2,142 |
| Noninterest income to average assets | 0.1669% | 6,085 |
| Noninterest expense to average assets | 3.3032% | 2,141 |
| Loan and lease loss provision to assets | -0.5793% | 6,759 |
| Net operating income to assets | 0.7793% | 3,394 |
| Return on assets (ROA) | 0.7882% | 3,455 |
| Pretax return on assets | 1.2049% | 2,560 |
| Return on Equity (ROE) | 7.6167% | 3,239 |
| Retained earnings to average equity (ytd only) | 7.6167% | 1,185 |
| Net charge-offs to loans | 0.5909% | 1,119 |
| Credit loss provision to net charge-offs | -116.4564% | 5,899 |
| Earnings coverage of net charge-offs (x) | 1.2299% | 4,662 |
| Efficiency ratio | 84.3716% | 1,588 |
| Assets per employee ($millions) | 4.6057% | 2,711 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4186% | 3,555 |
| Loan loss allowance to noncurrent loans | 38.9465% | 5,665 |
| Noncurrent assets plus other real estate owned to assets | 3.3161% | 911 |
| Noncurrent loans to loans | 3.6426% | 831 |
| Net loans and leases to total assets | 82.8089% | 340 |
| Net loans and leases to deposits | 112.2547% | 133 |
| Net loans and leases to core deposits | 148.5301% | 105 |
| Total domestic deposits to total assets | 73.7687% | 6,299 |
| Equity capital to assets | 10.7710% | 2,852 |
| Core capital (leverage) ratio | 11.1383% | 2,250 |
| Tier 1 risk-based capital ratio | 15.9254% | 3,133 |
| Total risk-based capital ratio | 17.3460% | 3,011 |
| Memoranda: | ||
| Average total assets | $350,565,400 | 1,845 |
| Average earning assets | $333,658,200 | 1,782 |
| Average equity | $36,275,400 | 1,907 |
| Average total loans | $295,125,600 | 1,429 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7345% | 1,513 |
| Cost of funding earning assets | 0.7930% | 1,370 |
| Net interest margin | 3.9415% | 2,140 |
| Noninterest income to average assets | 0.2246% | 5,818 |
| Noninterest expense to average assets | 3.0405% | 2,854 |
| Loan and lease loss provision to assets | 0.2706% | 1,300 |
| Net operating income to assets | 0.4263% | 5,131 |
| Return on assets (ROA) | 0.4347% | 5,240 |
| Pretax return on assets | 0.6720% | 4,785 |
| Return on Equity (ROE) | 4.2461% | 5,106 |
| Retained earnings to average equity (ytd only) | 4.2461% | 3,660 |
| Net charge-offs to loans | 1.8923% | 216 |
| Credit loss provision to net charge-offs | 16.9748% | 4,115 |
| Earnings coverage of net charge-offs (x) | 0.5832% | 4,664 |
| Efficiency ratio | 76.5857% | 2,635 |
| Assets per employee ($millions) | 4.5154% | 2,859 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5184% | 3,380 |
| Loan loss allowance to noncurrent loans | 41.6984% | 5,570 |
| Noncurrent assets plus other real estate owned to assets | 3.2613% | 1,083 |
| Noncurrent loans to loans | 3.6413% | 1,018 |
| Net loans and leases to total assets | 82.5232% | 329 |
| Net loans and leases to deposits | 109.4423% | 161 |
| Net loans and leases to core deposits | 144.2366% | 106 |
| Total domestic deposits to total assets | 75.4034% | 6,236 |
| Equity capital to assets | 9.9952% | 3,906 |
| Core capital (leverage) ratio | 10.7533% | 2,721 |
| Tier 1 risk-based capital ratio | 15.0689% | 3,706 |
| Total risk-based capital ratio | 16.4644% | 3,575 |
| Memoranda: | ||
| Average total assets | $348,396,000 | 1,868 |
| Average earning assets | $331,067,000 | 1,811 |
| Average equity | $35,670,750 | 1,944 |
| Average total loans | $293,465,500 | 1,439 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7252% | 1,499 |
| Cost of funding earning assets | 0.8454% | 1,167 |
| Net interest margin | 3.8798% | 2,275 |
| Noninterest income to average assets | 0.2325% | 5,783 |
| Noninterest expense to average assets | 2.8804% | 3,406 |
| Loan and lease loss provision to assets | 0.3673% | 896 |
| Net operating income to assets | 0.4317% | 5,101 |
| Return on assets (ROA) | 0.4359% | 5,241 |
| Pretax return on assets | 0.6748% | 4,762 |
| Return on Equity (ROE) | 4.2223% | 5,122 |
| Retained earnings to average equity (ytd only) | 4.2223% | 3,607 |
| Net charge-offs to loans | 2.7783% | 120 |
| Credit loss provision to net charge-offs | 15.6668% | 3,819 |
| Earnings coverage of net charge-offs (x) | 0.4417% | 4,392 |
| Efficiency ratio | 73.5530% | 3,216 |
| Assets per employee ($millions) | 4.5042% | 2,809 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5706% | 3,267 |
| Loan loss allowance to noncurrent loans | 39.7845% | 5,639 |
| Noncurrent assets plus other real estate owned to assets | 3.5534% | 1,066 |
| Noncurrent loans to loans | 3.9477% | 993 |
| Net loans and leases to total assets | 82.9847% | 294 |
| Net loans and leases to deposits | 110.9869% | 127 |
| Net loans and leases to core deposits | 139.7784% | 134 |
| Total domestic deposits to total assets | 74.7699% | 6,377 |
| Equity capital to assets | 10.1413% | 3,732 |
| Core capital (leverage) ratio | 10.8762% | 2,475 |
| Tier 1 risk-based capital ratio | 15.0915% | 3,715 |
| Total risk-based capital ratio | 16.4757% | 3,598 |
| Memoranda: | ||
| Average total assets | $344,117,000 | 1,892 |
| Average earning assets | $326,718,000 | 1,831 |
| Average equity | $35,525,670 | 1,957 |
| Average total loans | $290,388,330 | 1,451 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7925% | 1,303 |
| Cost of funding earning assets | 0.8789% | 1,090 |
| Net interest margin | 3.9136% | 2,072 |
| Noninterest income to average assets | 0.2972% | 5,329 |
| Noninterest expense to average assets | 2.7511% | 3,867 |
| Loan and lease loss provision to assets | 0.5075% | 531 |
| Net operating income to assets | 0.4840% | 4,758 |
| Return on assets (ROA) | 0.4840% | 4,914 |
| Pretax return on assets | 0.7471% | 4,384 |
| Return on Equity (ROE) | 4.6457% | 4,767 |
| Retained earnings to average equity (ytd only) | 4.6457% | 3,448 |
| Net charge-offs to loans | 5.2970% | 39 |
| Credit loss provision to net charge-offs | 11.3475% | 3,132 |
| Earnings coverage of net charge-offs (x) | 0.2805% | 3,722 |
| Efficiency ratio | 68.6804% | 4,198 |
| Assets per employee ($millions) | 4.4385% | 3,078 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6331% | 3,262 |
| Loan loss allowance to noncurrent loans | 43.8931% | 5,428 |
| Noncurrent assets plus other real estate owned to assets | 3.4977% | 1,216 |
| Noncurrent loans to loans | 3.7207% | 1,262 |
| Net loans and leases to total assets | 81.4042% | 317 |
| Net loans and leases to deposits | 109.6617% | 133 |
| Net loans and leases to core deposits | 136.9229% | 135 |
| Total domestic deposits to total assets | 74.2321% | 6,519 |
| Equity capital to assets | 10.3177% | 3,777 |
| Core capital (leverage) ratio | 11.0613% | 2,213 |
| Tier 1 risk-based capital ratio | 15.5776% | 3,484 |
| Total risk-based capital ratio | 16.9705% | 3,374 |
| Memoranda: | ||
| Average total assets | $340,512,500 | 1,935 |
| Average earning assets | $322,673,500 | 1,873 |
| Average equity | $35,474,000 | 1,987 |
| Average total loans | $287,483,000 | 1,476 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9851% | 1,602 |
| Cost of funding earning assets | 0.9846% | 1,435 |
| Net interest margin | 4.0005% | 2,387 |
| Noninterest income to average assets | 0.3532% | 4,941 |
| Noninterest expense to average assets | 3.0245% | 3,182 |
| Loan and lease loss provision to assets | 0.3428% | 1,957 |
| Net operating income to assets | 0.4903% | 4,719 |
| Return on assets (ROA) | 0.5332% | 4,817 |
| Pretax return on assets | 0.8435% | 4,140 |
| Return on Equity (ROE) | 5.1478% | 4,612 |
| Retained earnings to average equity (ytd only) | 5.1478% | 2,608 |
| Net charge-offs to loans | 0.4127% | 2,599 |
| Credit loss provision to net charge-offs | 97.4576% | 3,183 |
| Earnings coverage of net charge-offs (x) | 3.1822% | 3,845 |
| Efficiency ratio | 72.9895% | 3,244 |
| Assets per employee ($millions) | 4.4056% | 3,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7924% | 826 |
| Loan loss allowance to noncurrent loans | 52.9273% | 4,986 |
| Noncurrent assets plus other real estate owned to assets | 4.8909% | 805 |
| Noncurrent loans to loans | 5.2759% | 725 |
| Net loans and leases to total assets | 83.7484% | 228 |
| Net loans and leases to deposits | 116.4542% | 95 |
| Net loans and leases to core deposits | 136.2763% | 145 |
| Total domestic deposits to total assets | 71.9153% | 6,697 |
| Equity capital to assets | 10.5214% | 3,503 |
| Core capital (leverage) ratio | 10.3185% | 2,991 |
| Tier 1 risk-based capital ratio | 14.4630% | 4,059 |
| Total risk-based capital ratio | 15.8338% | 3,931 |
| Memoranda: | ||
| Average total assets | $335,496,800 | 1,925 |
| Average earning assets | $317,886,600 | 1,865 |
| Average equity | $34,752,400 | 1,995 |
| Average total loans | $285,930,600 | 1,463 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0353% | 1,596 |
| Cost of funding earning assets | 1.0076% | 1,510 |
| Net interest margin | 4.0277% | 2,389 |
| Noninterest income to average assets | 0.3770% | 4,808 |
| Noninterest expense to average assets | 3.2099% | 2,539 |
| Loan and lease loss provision to assets | 0.0993% | 4,324 |
| Net operating income to assets | 0.5717% | 4,514 |
| Return on assets (ROA) | 0.6296% | 4,498 |
| Pretax return on assets | 0.9688% | 3,827 |
| Return on Equity (ROE) | 6.1018% | 4,286 |
| Retained earnings to average equity (ytd only) | 6.1018% | 2,632 |
| Net charge-offs to loans | 0.2365% | 3,303 |
| Credit loss provision to net charge-offs | 49.4071% | 4,418 |
| Earnings coverage of net charge-offs (x) | 4.8715% | 3,175 |
| Efficiency ratio | 76.6262% | 2,580 |
| Assets per employee ($millions) | 4.3210% | 3,231 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7447% | 942 |
| Loan loss allowance to noncurrent loans | 53.2771% | 4,968 |
| Noncurrent assets plus other real estate owned to assets | 4.7671% | 947 |
| Noncurrent loans to loans | 5.1518% | 864 |
| Net loans and leases to total assets | 83.3663% | 259 |
| Net loans and leases to deposits | 108.8915% | 177 |
| Net loans and leases to core deposits | 129.0388% | 200 |
| Total domestic deposits to total assets | 76.5591% | 6,305 |
| Equity capital to assets | 10.7019% | 3,607 |
| Core capital (leverage) ratio | 10.3958% | 3,041 |
| Tier 1 risk-based capital ratio | 14.7539% | 4,011 |
| Total risk-based capital ratio | 16.1311% | 3,890 |
| Memoranda: | ||
| Average total assets | $335,665,250 | 1,943 |
| Average earning assets | $317,694,750 | 1,885 |
| Average equity | $34,633,500 | 2,014 |
| Average total loans | $285,297,250 | 1,477 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0675% | 1,601 |
| Cost of funding earning assets | 1.0339% | 1,555 |
| Net interest margin | 4.0335% | 2,369 |
| Noninterest income to average assets | 0.3731% | 4,852 |
| Noninterest expense to average assets | 3.3293% | 2,220 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5611% | 4,529 |
| Return on assets (ROA) | 0.5781% | 4,730 |
| Pretax return on assets | 0.8894% | 4,121 |
| Return on Equity (ROE) | 5.6720% | 4,492 |
| Retained earnings to average equity (ytd only) | 5.6720% | 2,893 |
| Net charge-offs to loans | 0.2895% | 2,872 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 3.5182% | 3,345 |
| Efficiency ratio | 79.4105% | 2,276 |
| Assets per employee ($millions) | 4.6201% | 2,688 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6873% | 1,049 |
| Loan loss allowance to noncurrent loans | 66.4012% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 3.7477% | 1,385 |
| Noncurrent loans to loans | 4.0470% | 1,355 |
| Net loans and leases to total assets | 82.3732% | 314 |
| Net loans and leases to deposits | 110.3752% | 139 |
| Net loans and leases to core deposits | 133.4390% | 188 |
| Total domestic deposits to total assets | 74.6301% | 6,619 |
| Equity capital to assets | 10.3591% | 3,863 |
| Core capital (leverage) ratio | 10.0005% | 3,418 |
| Tier 1 risk-based capital ratio | 14.4571% | 4,128 |
| Total risk-based capital ratio | 15.8521% | 3,994 |
| Memoranda: | ||
| Average total assets | $336,648,000 | 1,934 |
| Average earning assets | $318,779,000 | 1,878 |
| Average equity | $34,309,000 | 2,019 |
| Average total loans | $285,329,000 | 1,479 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0514% | 1,715 |
| Cost of funding earning assets | 1.0797% | 1,501 |
| Net interest margin | 3.9717% | 2,623 |
| Noninterest income to average assets | 0.2759% | 5,663 |
| Noninterest expense to average assets | 3.4810% | 1,798 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3592% | 5,431 |
| Return on assets (ROA) | 0.3592% | 5,618 |
| Pretax return on assets | 0.5530% | 5,266 |
| Return on Equity (ROE) | 3.5535% | 5,485 |
| Retained earnings to average equity (ytd only) | 3.5535% | 4,452 |
| Net charge-offs to loans | 0.7895% | 1,302 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.8259% | 3,915 |
| Efficiency ratio | 86.2913% | 1,453 |
| Assets per employee ($millions) | 4.5106% | 2,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6465% | 1,178 |
| Loan loss allowance to noncurrent loans | 57.8494% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 4.2097% | 1,290 |
| Noncurrent loans to loans | 4.5748% | 1,259 |
| Net loans and leases to total assets | 81.7836% | 288 |
| Net loans and leases to deposits | 110.8663% | 125 |
| Net loans and leases to core deposits | 133.1490% | 174 |
| Total domestic deposits to total assets | 73.7678% | 6,769 |
| Equity capital to assets | 10.1007% | 4,004 |
| Core capital (leverage) ratio | 9.9406% | 3,442 |
| Tier 1 risk-based capital ratio | 14.0318% | 4,454 |
| Total risk-based capital ratio | 15.4232% | 4,313 |
| Memoranda: | ||
| Average total assets | $336,337,000 | 1,944 |
| Average earning assets | $318,249,000 | 1,886 |
| Average equity | $33,994,500 | 2,036 |
| Average total loans | $285,247,500 | 1,488 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5808% | 992 |
| Cost of funding earning assets | 1.3164% | 1,406 |
| Net interest margin | 4.2644% | 1,828 |
| Noninterest income to average assets | 0.3185% | 5,261 |
| Noninterest expense to average assets | 3.3348% | 2,404 |
| Loan and lease loss provision to assets | 0.2451% | 3,761 |
| Net operating income to assets | 0.5084% | 4,379 |
| Return on assets (ROA) | 0.5133% | 4,575 |
| Pretax return on assets | 0.7600% | 4,119 |
| Return on Equity (ROE) | 4.9006% | 4,441 |
| Retained earnings to average equity (ytd only) | 4.9006% | 2,720 |
| Net charge-offs to loans | 0.5522% | 2,806 |
| Credit loss provision to net charge-offs | 50.7143% | 5,408 |
| Earnings coverage of net charge-offs (x) | 2.0649% | 4,235 |
| Efficiency ratio | 76.9699% | 2,747 |
| Assets per employee ($millions) | 4.4584% | 2,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8236% | 953 |
| Loan loss allowance to noncurrent loans | 62.0081% | 4,407 |
| Noncurrent assets plus other real estate owned to assets | 4.1486% | 1,371 |
| Noncurrent loans to loans | 4.5535% | 1,307 |
| Net loans and leases to total assets | 83.2050% | 261 |
| Net loans and leases to deposits | 112.0413% | 143 |
| Net loans and leases to core deposits | 134.6958% | 195 |
| Total domestic deposits to total assets | 74.2628% | 6,690 |
| Equity capital to assets | 10.1139% | 4,020 |
| Core capital (leverage) ratio | 10.4608% | 2,773 |
| Tier 1 risk-based capital ratio | 13.6537% | 4,587 |
| Total risk-based capital ratio | 15.0377% | 4,449 |
| Memoranda: | ||
| Average total assets | $318,696,000 | 2,014 |
| Average earning assets | $299,993,000 | 1,953 |
| Average equity | $33,383,400 | 1,993 |
| Average total loans | $278,875,200 | 1,525 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6643% | 910 |
| Cost of funding earning assets | 1.3647% | 1,397 |
| Net interest margin | 4.2997% | 1,717 |
| Noninterest income to average assets | 0.3503% | 5,054 |
| Noninterest expense to average assets | 3.2827% | 2,548 |
| Loan and lease loss provision to assets | 0.3177% | 2,995 |
| Net operating income to assets | 0.5396% | 4,367 |
| Return on assets (ROA) | 0.5396% | 4,555 |
| Pretax return on assets | 0.7883% | 4,178 |
| Return on Equity (ROE) | 5.1049% | 4,486 |
| Retained earnings to average equity (ytd only) | 5.1049% | 3,105 |
| Net charge-offs to loans | 0.4423% | 2,955 |
| Credit loss provision to net charge-offs | 81.6104% | 4,090 |
| Earnings coverage of net charge-offs (x) | 2.8411% | 3,721 |
| Efficiency ratio | 74.7997% | 3,036 |
| Assets per employee ($millions) | 4.4475% | 3,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0957% | 804 |
| Loan loss allowance to noncurrent loans | 69.3421% | 3,996 |
| Noncurrent assets plus other real estate owned to assets | 4.1334% | 1,482 |
| Noncurrent loans to loans | 4.4643% | 1,443 |
| Net loans and leases to total assets | 83.6308% | 242 |
| Net loans and leases to deposits | 116.4714% | 110 |
| Net loans and leases to core deposits | 135.3045% | 202 |
| Total domestic deposits to total assets | 71.8038% | 6,946 |
| Equity capital to assets | 10.5488% | 3,646 |
| Core capital (leverage) ratio | 10.6166% | 2,741 |
| Tier 1 risk-based capital ratio | 14.1513% | 4,234 |
| Total risk-based capital ratio | 15.5137% | 4,114 |
| Memoranda: | ||
| Average total assets | $314,775,000 | 2,042 |
| Average earning assets | $295,644,000 | 1,983 |
| Average equity | $33,274,500 | 2,001 |
| Average total loans | $277,017,750 | 1,549 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7077% | 860 |
| Cost of funding earning assets | 1.4156% | 1,351 |
| Net interest margin | 4.2921% | 1,696 |
| Noninterest income to average assets | 0.3365% | 5,197 |
| Noninterest expense to average assets | 3.3094% | 2,524 |
| Loan and lease loss provision to assets | 0.4816% | 2,050 |
| Net operating income to assets | 0.4135% | 4,880 |
| Return on assets (ROA) | 0.4135% | 5,037 |
| Pretax return on assets | 0.5657% | 4,855 |
| Return on Equity (ROE) | 3.9090% | 4,977 |
| Retained earnings to average equity (ytd only) | 3.9090% | 3,706 |
| Net charge-offs to loans | 0.4580% | 2,748 |
| Credit loss provision to net charge-offs | 118.6709% | 2,591 |
| Earnings coverage of net charge-offs (x) | 2.5807% | 3,537 |
| Efficiency ratio | 75.9617% | 3,016 |
| Assets per employee ($millions) | 4.2170% | 3,322 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2453% | 728 |
| Loan loss allowance to noncurrent loans | 72.2021% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 4.0990% | 1,562 |
| Noncurrent loans to loans | 4.4948% | 1,477 |
| Net loans and leases to total assets | 84.4710% | 218 |
| Net loans and leases to deposits | 111.9502% | 154 |
| Net loans and leases to core deposits | 131.5277% | 258 |
| Total domestic deposits to total assets | 75.4541% | 6,680 |
| Equity capital to assets | 10.5886% | 3,392 |
| Core capital (leverage) ratio | 10.4685% | 2,744 |
| Tier 1 risk-based capital ratio | 14.3141% | 3,923 |
| Total risk-based capital ratio | 15.6910% | 3,803 |
| Memoranda: | ||
| Average total assets | $311,476,330 | 2,068 |
| Average earning assets | $291,746,330 | 2,026 |
| Average equity | $32,949,670 | 2,008 |
| Average total loans | $275,957,330 | 1,571 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6794% | 921 |
| Cost of funding earning assets | 1.4140% | 1,543 |
| Net interest margin | 4.2654% | 1,682 |
| Noninterest income to average assets | 0.3908% | 4,778 |
| Noninterest expense to average assets | 3.4774% | 2,069 |
| Loan and lease loss provision to assets | 0.5824% | 1,485 |
| Net operating income to assets | 0.2951% | 5,432 |
| Return on assets (ROA) | 0.2951% | 5,501 |
| Pretax return on assets | 0.3210% | 5,591 |
| Return on Equity (ROE) | 2.7907% | 5,472 |
| Retained earnings to average equity (ytd only) | 2.7907% | 4,496 |
| Net charge-offs to loans | 0.1290% | 3,741 |
| Credit loss provision to net charge-offs | 505.6180% | 707 |
| Earnings coverage of net charge-offs (x) | 7.8427% | 1,888 |
| Efficiency ratio | 79.3796% | 2,636 |
| Assets per employee ($millions) | 4.1903% | 3,470 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3343% | 696 |
| Loan loss allowance to noncurrent loans | 74.7786% | 3,727 |
| Noncurrent assets plus other real estate owned to assets | 4.1296% | 1,607 |
| Noncurrent loans to loans | 4.4590% | 1,573 |
| Net loans and leases to total assets | 84.8961% | 180 |
| Net loans and leases to deposits | 111.3349% | 163 |
| Net loans and leases to core deposits | 130.6897% | 267 |
| Total domestic deposits to total assets | 76.2529% | 6,628 |
| Equity capital to assets | 10.4496% | 3,241 |
| Core capital (leverage) ratio | 10.5274% | 2,586 |
| Tier 1 risk-based capital ratio | 14.3143% | 3,859 |
| Total risk-based capital ratio | 15.6792% | 3,744 |
| Memoranda: | ||
| Average total assets | $309,078,000 | 2,105 |
| Average earning assets | $289,114,500 | 2,061 |
| Average equity | $32,680,000 | 2,005 |
| Average total loans | $275,876,000 | 1,586 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2046% | 554 |
| Cost of funding earning assets | 1.6354% | 1,885 |
| Net interest margin | 4.5692% | 1,081 |
| Noninterest income to average assets | 0.4516% | 4,501 |
| Noninterest expense to average assets | 3.5613% | 2,030 |
| Loan and lease loss provision to assets | 0.6363% | 2,588 |
| Net operating income to assets | 0.3449% | 4,767 |
| Return on assets (ROA) | 0.3449% | 4,926 |
| Pretax return on assets | 0.5339% | 4,518 |
| Return on Equity (ROE) | 2.9859% | 4,963 |
| Retained earnings to average equity (ytd only) | 2.9859% | 3,757 |
| Net charge-offs to loans | 0.3606% | 4,214 |
| Credit loss provision to net charge-offs | 190.2570% | 1,696 |
| Earnings coverage of net charge-offs (x) | 3.4989% | 3,332 |
| Efficiency ratio | 75.2668% | 3,151 |
| Assets per employee ($millions) | 4.2206% | 3,346 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2069% | 730 |
| Loan loss allowance to noncurrent loans | 69.7563% | 3,930 |
| Noncurrent assets plus other real estate owned to assets | 4.5905% | 1,454 |
| Noncurrent loans to loans | 4.5973% | 1,531 |
| Net loans and leases to total assets | 87.8300% | 104 |
| Net loans and leases to deposits | 124.1201% | 99 |
| Net loans and leases to core deposits | 142.8198% | 207 |
| Total domestic deposits to total assets | 70.7621% | 7,191 |
| Equity capital to assets | 10.7014% | 2,957 |
| Core capital (leverage) ratio | 10.9041% | 2,223 |
| Tier 1 risk-based capital ratio | 14.2622% | 3,707 |
| Total risk-based capital ratio | 15.6141% | 3,592 |
| Memoranda: | ||
| Average total assets | $279,250,800 | 2,286 |
| Average earning assets | $261,579,400 | 2,238 |
| Average equity | $32,252,000 | 2,039 |
| Average total loans | $259,017,200 | 1,710 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2960% | 513 |
| Cost of funding earning assets | 1.6927% | 1,915 |
| Net interest margin | 4.6033% | 1,037 |
| Noninterest income to average assets | 0.4497% | 4,562 |
| Noninterest expense to average assets | 3.7525% | 1,472 |
| Loan and lease loss provision to assets | 0.4565% | 3,193 |
| Net operating income to assets | 0.3501% | 4,970 |
| Return on assets (ROA) | 0.3501% | 5,142 |
| Pretax return on assets | 0.5424% | 4,786 |
| Return on Equity (ROE) | 2.9703% | 5,236 |
| Retained earnings to average equity (ytd only) | 2.9703% | 4,357 |
| Net charge-offs to loans | 0.3066% | 4,130 |
| Credit loss provision to net charge-offs | 159.5563% | 2,378 |
| Earnings coverage of net charge-offs (x) | 3.4915% | 3,422 |
| Efficiency ratio | 78.9766% | 2,491 |
| Assets per employee ($millions) | 4.0412% | 3,753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1584% | 727 |
| Loan loss allowance to noncurrent loans | 75.4246% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 4.2963% | 1,585 |
| Noncurrent loans to loans | 4.1875% | 1,748 |
| Net loans and leases to total assets | 89.2100% | 77 |
| Net loans and leases to deposits | 120.4604% | 109 |
| Net loans and leases to core deposits | 130.6977% | 366 |
| Total domestic deposits to total assets | 74.0576% | 6,916 |
| Equity capital to assets | 11.3469% | 2,664 |
| Core capital (leverage) ratio | 11.5699% | 1,900 |
| Tier 1 risk-based capital ratio | 14.9207% | 3,290 |
| Total risk-based capital ratio | 16.2665% | 3,232 |
| Memoranda: | ||
| Average total assets | $273,092,000 | 2,368 |
| Average earning assets | $255,202,750 | 2,330 |
| Average equity | $32,185,000 | 2,060 |
| Average total loans | $254,835,000 | 1,756 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3783% | 431 |
| Cost of funding earning assets | 1.7541% | 1,843 |
| Net interest margin | 4.6241% | 944 |
| Noninterest income to average assets | 0.4753% | 4,316 |
| Noninterest expense to average assets | 3.6718% | 1,619 |
| Loan and lease loss provision to assets | 0.4358% | 3,133 |
| Net operating income to assets | 0.4321% | 4,615 |
| Return on assets (ROA) | 0.4321% | 4,774 |
| Pretax return on assets | 0.6742% | 4,329 |
| Return on Equity (ROE) | 3.6181% | 4,955 |
| Retained earnings to average equity (ytd only) | 3.6181% | 3,796 |
| Net charge-offs to loans | 0.3361% | 3,652 |
| Credit loss provision to net charge-offs | 138.2979% | 2,899 |
| Earnings coverage of net charge-offs (x) | 3.5225% | 3,293 |
| Efficiency ratio | 76.7877% | 2,937 |
| Assets per employee ($millions) | 3.7686% | 4,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2492% | 674 |
| Loan loss allowance to noncurrent loans | 81.2948% | 3,347 |
| Noncurrent assets plus other real estate owned to assets | 4.1078% | 1,659 |
| Noncurrent loans to loans | 3.9968% | 1,895 |
| Net loans and leases to total assets | 89.5709% | 90 |
| Net loans and leases to deposits | 113.1634% | 213 |
| Net loans and leases to core deposits | 123.3856% | 588 |
| Total domestic deposits to total assets | 79.1518% | 5,996 |
| Equity capital to assets | 11.9217% | 2,143 |
| Core capital (leverage) ratio | 11.9505% | 1,670 |
| Tier 1 risk-based capital ratio | 15.5042% | 2,889 |
| Total risk-based capital ratio | 16.8304% | 2,823 |
| Memoranda: | ||
| Average total assets | $268,481,330 | 2,433 |
| Average earning assets | $250,036,670 | 2,393 |
| Average equity | $32,061,000 | 2,055 |
| Average total loans | $251,675,670 | 1,803 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4672% | 383 |
| Cost of funding earning assets | 1.7977% | 1,885 |
| Net interest margin | 4.6695% | 834 |
| Noninterest income to average assets | 0.4074% | 4,852 |
| Noninterest expense to average assets | 3.5873% | 1,769 |
| Loan and lease loss provision to assets | 0.6905% | 1,844 |
| Net operating income to assets | 0.3086% | 5,264 |
| Return on assets (ROA) | 0.3086% | 5,395 |
| Pretax return on assets | 0.4793% | 5,031 |
| Return on Equity (ROE) | 2.5817% | 5,527 |
| Retained earnings to average equity (ytd only) | 2.5817% | 4,589 |
| Net charge-offs to loans | 0.1445% | 4,067 |
| Credit loss provision to net charge-offs | 506.5934% | 822 |
| Earnings coverage of net charge-offs (x) | 8.5824% | 1,940 |
| Efficiency ratio | 75.4093% | 3,327 |
| Assets per employee ($millions) | 3.7250% | 4,513 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3133% | 627 |
| Loan loss allowance to noncurrent loans | 65.4725% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 5.2271% | 1,203 |
| Noncurrent loans to loans | 5.0606% | 1,424 |
| Net loans and leases to total assets | 91.0700% | 50 |
| Net loans and leases to deposits | 117.2162% | 173 |
| Net loans and leases to core deposits | 127.9945% | 535 |
| Total domestic deposits to total assets | 77.6941% | 6,398 |
| Equity capital to assets | 11.9401% | 2,074 |
| Core capital (leverage) ratio | 11.8175% | 1,737 |
| Tier 1 risk-based capital ratio | 15.7276% | 2,763 |
| Total risk-based capital ratio | 17.0624% | 2,665 |
| Memoranda: | ||
| Average total assets | $267,053,000 | 2,498 |
| Average earning assets | $248,763,000 | 2,462 |
| Average equity | $31,917,500 | 2,092 |
| Average total loans | $251,912,500 | 1,850 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5299% | 629 |
| Cost of funding earning assets | 2.1484% | 2,243 |
| Net interest margin | 4.3815% | 1,488 |
| Noninterest income to average assets | 0.9487% | 1,754 |
| Noninterest expense to average assets | 3.6796% | 1,955 |
| Loan and lease loss provision to assets | 1.2553% | 1,843 |
| Net operating income to assets | 0.0837% | 5,258 |
| Return on assets (ROA) | 0.1197% | 5,205 |
| Pretax return on assets | 0.1888% | 5,033 |
| Return on Equity (ROE) | 1.0236% | 5,226 |
| Retained earnings to average equity (ytd only) | 1.0236% | 4,320 |
| Net charge-offs to loans | 0.4867% | 3,823 |
| Credit loss provision to net charge-offs | 275.3056% | 1,247 |
| Earnings coverage of net charge-offs (x) | 3.0440% | 3,553 |
| Efficiency ratio | 72.6113% | 4,164 |
| Assets per employee ($millions) | 3.7987% | 4,289 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1846% | 661 |
| Loan loss allowance to noncurrent loans | 57.0654% | 4,573 |
| Noncurrent assets plus other real estate owned to assets | 5.6106% | 1,037 |
| Noncurrent loans to loans | 5.5807% | 1,149 |
| Net loans and leases to total assets | 91.4628% | 50 |
| Net loans and leases to deposits | 124.5249% | 123 |
| Net loans and leases to core deposits | 152.3853% | 456 |
| Total domestic deposits to total assets | 73.4495% | 7,095 |
| Equity capital to assets | 11.9635% | 2,052 |
| Core capital (leverage) ratio | 11.9755% | 1,673 |
| Tier 1 risk-based capital ratio | 15.4329% | 2,742 |
| Total risk-based capital ratio | 16.7633% | 2,664 |
| Memoranda: | ||
| Average total assets | $269,105,000 | 2,427 |
| Average earning assets | $252,975,200 | 2,381 |
| Average equity | $31,457,200 | 2,127 |
| Average total loans | $252,081,000 | 1,880 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4474% | 841 |
| Cost of funding earning assets | 2.2247% | 2,291 |
| Net interest margin | 4.2228% | 1,966 |
| Noninterest income to average assets | 0.9969% | 1,617 |
| Noninterest expense to average assets | 3.7217% | 1,771 |
| Loan and lease loss provision to assets | 1.1016% | 1,773 |
| Net operating income to assets | 0.0960% | 5,475 |
| Return on assets (ROA) | 0.1438% | 5,406 |
| Pretax return on assets | 0.2258% | 5,239 |
| Return on Equity (ROE) | 1.2369% | 5,423 |
| Retained earnings to average equity (ytd only) | 1.2369% | 4,634 |
| Net charge-offs to loans | 0.5723% | 2,963 |
| Credit loss provision to net charge-offs | 205.9095% | 2,154 |
| Earnings coverage of net charge-offs (x) | 2.3417% | 4,066 |
| Efficiency ratio | 74.8163% | 3,722 |
| Assets per employee ($millions) | 3.6418% | 4,567 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8312% | 768 |
| Loan loss allowance to noncurrent loans | 51.3921% | 4,887 |
| Noncurrent assets plus other real estate owned to assets | 5.3892% | 1,070 |
| Noncurrent loans to loans | 5.5091% | 1,135 |
| Net loans and leases to total assets | 91.5705% | 68 |
| Net loans and leases to deposits | 122.7994% | 158 |
| Net loans and leases to core deposits | 150.6850% | 567 |
| Total domestic deposits to total assets | 74.5691% | 6,854 |
| Equity capital to assets | 12.0270% | 2,228 |
| Core capital (leverage) ratio | 11.7946% | 1,910 |
| Tier 1 risk-based capital ratio | 15.4551% | 2,848 |
| Total risk-based capital ratio | 16.7765% | 2,751 |
| Memoranda: | ||
| Average total assets | $269,904,250 | 2,429 |
| Average earning assets | $254,235,000 | 2,390 |
| Average equity | $31,368,500 | 2,154 |
| Average total loans | $252,299,500 | 1,904 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4823% | 854 |
| Cost of funding earning assets | 2.2983% | 2,361 |
| Net interest margin | 4.1840% | 2,047 |
| Noninterest income to average assets | 1.1811% | 1,118 |
| Noninterest expense to average assets | 3.8764% | 1,525 |
| Loan and lease loss provision to assets | 1.0827% | 1,582 |
| Net operating income to assets | 0.1067% | 5,544 |
| Return on assets (ROA) | 0.1776% | 5,430 |
| Pretax return on assets | 0.2789% | 5,254 |
| Return on Equity (ROE) | 1.5457% | 5,445 |
| Retained earnings to average equity (ytd only) | 1.5457% | 4,466 |
| Net charge-offs to loans | 0.6259% | 2,472 |
| Credit loss provision to net charge-offs | 185.5346% | 2,469 |
| Earnings coverage of net charge-offs (x) | 2.1434% | 4,001 |
| Efficiency ratio | 75.6049% | 3,765 |
| Assets per employee ($millions) | 3.8175% | 4,054 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5860% | 835 |
| Loan loss allowance to noncurrent loans | 52.4920% | 4,875 |
| Noncurrent assets plus other real estate owned to assets | 4.8015% | 1,140 |
| Noncurrent loans to loans | 4.9265% | 1,255 |
| Net loans and leases to total assets | 90.7542% | 102 |
| Net loans and leases to deposits | 121.2540% | 210 |
| Net loans and leases to core deposits | 150.4183% | 642 |
| Total domestic deposits to total assets | 74.8463% | 6,791 |
| Equity capital to assets | 11.5993% | 2,469 |
| Core capital (leverage) ratio | 11.4469% | 2,108 |
| Tier 1 risk-based capital ratio | 16.0668% | 2,600 |
| Total risk-based capital ratio | 17.3802% | 2,527 |
| Memoranda: | ||
| Average total assets | $272,469,330 | 2,426 |
| Average earning assets | $256,977,670 | 2,383 |
| Average equity | $31,312,670 | 2,162 |
| Average total loans | $254,032,000 | 1,926 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5468% | 788 |
| Cost of funding earning assets | 2.3453% | 2,525 |
| Net interest margin | 4.2015% | 1,897 |
| Noninterest income to average assets | 1.1245% | 1,171 |
| Noninterest expense to average assets | 4.1145% | 1,046 |
| Loan and lease loss provision to assets | 0.9049% | 1,449 |
| Net operating income to assets | 0.0466% | 6,136 |
| Return on assets (ROA) | 0.0644% | 6,241 |
| Pretax return on assets | 0.1069% | 6,152 |
| Return on Equity (ROE) | 0.5632% | 6,261 |
| Retained earnings to average equity (ytd only) | 0.5632% | 5,435 |
| Net charge-offs to loans | 0.5714% | 2,036 |
| Credit loss provision to net charge-offs | 169.7802% | 2,524 |
| Earnings coverage of net charge-offs (x) | 1.8462% | 3,809 |
| Efficiency ratio | 80.7007% | 2,708 |
| Assets per employee ($millions) | 3.8706% | 3,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3839% | 868 |
| Loan loss allowance to noncurrent loans | 61.5128% | 4,510 |
| Noncurrent assets plus other real estate owned to assets | 3.9434% | 1,309 |
| Noncurrent loans to loans | 3.8755% | 1,579 |
| Net loans and leases to total assets | 90.6384% | 115 |
| Net loans and leases to deposits | 121.3627% | 262 |
| Net loans and leases to core deposits | 155.0122% | 582 |
| Total domestic deposits to total assets | 74.6839% | 6,772 |
| Equity capital to assets | 11.3743% | 2,672 |
| Core capital (leverage) ratio | 11.3653% | 2,236 |
| Tier 1 risk-based capital ratio | 16.3076% | 2,579 |
| Total risk-based capital ratio | 17.6101% | 2,512 |
| Memoranda: | ||
| Average total assets | $273,183,000 | 2,436 |
| Average earning assets | $258,386,500 | 2,380 |
| Average equity | $31,249,500 | 2,171 |
| Average total loans | $254,792,000 | 1,937 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.9851% | 1,173 |
| Cost of funding earning assets | 2.9783% | 1,947 |
| Net interest margin | 4.0068% | 3,080 |
| Noninterest income to average assets | 0.2298% | 6,790 |
| Noninterest expense to average assets | 3.4518% | 2,520 |
| Loan and lease loss provision to assets | 1.3472% | 1,049 |
| Net operating income to assets | -0.6841% | 7,054 |
| Return on assets (ROA) | 0.0405% | 6,117 |
| Pretax return on assets | 0.0450% | 6,062 |
| Return on Equity (ROE) | 0.3186% | 6,127 |
| Retained earnings to average equity (ytd only) | 0.3186% | 5,049 |
| Net charge-offs to loans | 0.5384% | 2,212 |
| Credit loss provision to net charge-offs | 278.0469% | 1,641 |
| Earnings coverage of net charge-offs (x) | 1.2117% | 5,524 |
| Efficiency ratio | 85.4639% | 1,907 |
| Assets per employee ($millions) | 3.7199% | 4,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2911% | 864 |
| Loan loss allowance to noncurrent loans | 67.8738% | 4,641 |
| Noncurrent assets plus other real estate owned to assets | 3.4579% | 1,288 |
| Noncurrent loans to loans | 3.3756% | 1,527 |
| Net loans and leases to total assets | 91.5424% | 99 |
| Net loans and leases to deposits | 123.3831% | 312 |
| Net loans and leases to core deposits | 159.8901% | 575 |
| Total domestic deposits to total assets | 74.1936% | 6,621 |
| Equity capital to assets | 11.5046% | 2,633 |
| Core capital (leverage) ratio | 11.7280% | 2,112 |
| Tier 1 risk-based capital ratio | 16.4963% | 2,487 |
| Total risk-based capital ratio | 17.8017% | 2,401 |
| Memoranda: | ||
| Average total assets | $264,178,000 | 2,423 |
| Average earning assets | $251,149,400 | 2,362 |
| Average equity | $33,588,800 | 2,016 |
| Average total loans | $237,745,400 | 1,989 |