Home > Melrose Bank > Performance and Condition Ratios
Melrose Bank, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7469% | 4,303 |
| Cost of funding earning assets | 1.5657% | 214 |
| Net interest margin | 2.1812% | 4,967 |
| Noninterest income to average assets | 0.4736% | 2,687 |
| Noninterest expense to average assets | 1.8197% | 4,643 |
| Loan and lease loss provision to assets | -0.0272% | 5,056 |
| Net operating income to assets | 0.5519% | 3,733 |
| Return on assets (ROA) | 0.4949% | 3,965 |
| Pretax return on assets | 0.6772% | 3,751 |
| Return on Equity (ROE) | 5.4045% | 3,504 |
| Retained earnings to average equity (ytd only) | 5.4045% | 2,113 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5883% | 2,144 |
| Assets per employee ($millions) | 12.5494% | 212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5526% | 4,826 |
| Loan loss allowance to noncurrent loans | 348.8889% | 1,346 |
| Noncurrent assets plus other real estate owned to assets | 0.1328% | 3,976 |
| Noncurrent loans to loans | 0.1584% | 3,891 |
| Net loans and leases to total assets | 83.3901% | 311 |
| Net loans and leases to deposits | 102.7563% | 424 |
| Net loans and leases to core deposits | 116.6812% | 567 |
| Total domestic deposits to total assets | 81.1533% | 3,630 |
| Equity capital to assets | 9.1768% | 4,481 |
| Core capital (leverage) ratio | 9.2477% | 4,229 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.2428% | 2,180 |
| Memoranda: | ||
| Average total assets | $337,855,500 | 2,006 |
| Average earning assets | $320,373,000 | 1,974 |
| Average equity | $30,937,000 | 2,407 |
| Average total loans | $285,968,000 | 1,688 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8722% | 4,482 |
| Cost of funding earning assets | 1.6093% | 288 |
| Net interest margin | 2.2629% | 5,045 |
| Noninterest income to average assets | 0.0932% | 4,945 |
| Noninterest expense to average assets | 1.9074% | 4,655 |
| Loan and lease loss provision to assets | 0.0817% | 2,370 |
| Net operating income to assets | 0.1862% | 4,851 |
| Return on assets (ROA) | 0.2299% | 4,840 |
| Pretax return on assets | 0.2944% | 4,821 |
| Return on Equity (ROE) | 2.3157% | 4,768 |
| Retained earnings to average equity (ytd only) | 2.3157% | 3,868 |
| Net charge-offs to loans | 0.0000% | 3,726 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.6056% | 564 |
| Assets per employee ($millions) | 11.6151% | 254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5535% | 4,815 |
| Loan loss allowance to noncurrent loans | 920.8092% | 612 |
| Noncurrent assets plus other real estate owned to assets | 0.0514% | 4,378 |
| Noncurrent loans to loans | 0.0601% | 4,302 |
| Net loans and leases to total assets | 84.9726% | 246 |
| Net loans and leases to deposits | 104.9224% | 341 |
| Net loans and leases to core deposits | 118.1922% | 535 |
| Total domestic deposits to total assets | 80.9861% | 3,774 |
| Equity capital to assets | 9.1581% | 4,607 |
| Core capital (leverage) ratio | 9.1670% | 4,383 |
| Tier 1 risk-based capital ratio | 13.1667% | 3,701 |
| Total risk-based capital ratio | 13.8600% | 3,889 |
| Memoranda: | ||
| Average total assets | $330,508,600 | 1,981 |
| Average earning assets | $311,812,000 | 1,958 |
| Average equity | $32,819,400 | 2,248 |
| Average total loans | $276,346,600 | 1,710 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8691% | 4,578 |
| Cost of funding earning assets | 1.5979% | 303 |
| Net interest margin | 2.2712% | 5,135 |
| Noninterest income to average assets | 0.0726% | 5,066 |
| Noninterest expense to average assets | 1.7389% | 4,883 |
| Loan and lease loss provision to assets | 0.0709% | 2,460 |
| Net operating income to assets | 0.3076% | 4,832 |
| Return on assets (ROA) | 0.3624% | 4,803 |
| Pretax return on assets | 0.4718% | 4,732 |
| Return on Equity (ROE) | 3.5782% | 4,659 |
| Retained earnings to average equity (ytd only) | 3.5782% | 3,613 |
| Net charge-offs to loans | 0.0000% | 3,455 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6002% | 1,045 |
| Assets per employee ($millions) | 11.6156% | 232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5323% | 4,928 |
| Loan loss allowance to noncurrent loans | 856.0000% | 658 |
| Noncurrent assets plus other real estate owned to assets | 0.0520% | 4,453 |
| Noncurrent loans to loans | 0.0622% | 4,354 |
| Net loans and leases to total assets | 83.1062% | 438 |
| Net loans and leases to deposits | 102.5263% | 477 |
| Net loans and leases to core deposits | 114.9530% | 705 |
| Total domestic deposits to total assets | 81.0584% | 3,738 |
| Equity capital to assets | 9.1883% | 4,673 |
| Core capital (leverage) ratio | 9.2437% | 4,439 |
| Tier 1 risk-based capital ratio | 13.8546% | 3,397 |
| Total risk-based capital ratio | 14.5392% | 3,597 |
| Memoranda: | ||
| Average total assets | $328,926,500 | 2,000 |
| Average earning assets | $309,900,000 | 1,974 |
| Average equity | $33,312,250 | 2,236 |
| Average total loans | $273,480,250 | 1,732 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8340% | 4,667 |
| Cost of funding earning assets | 1.5379% | 334 |
| Net interest margin | 2.2961% | 5,193 |
| Noninterest income to average assets | 0.0644% | 5,125 |
| Noninterest expense to average assets | 1.7500% | 4,925 |
| Loan and lease loss provision to assets | 0.0588% | 2,645 |
| Net operating income to assets | 0.3223% | 4,847 |
| Return on assets (ROA) | 0.4003% | 4,753 |
| Pretax return on assets | 0.5149% | 4,680 |
| Return on Equity (ROE) | 3.8300% | 4,621 |
| Retained earnings to average equity (ytd only) | 3.8300% | 3,331 |
| Net charge-offs to loans | 0.0000% | 3,172 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.6501% | 1,080 |
| Assets per employee ($millions) | 11.6429% | 229 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5174% | 4,995 |
| Loan loss allowance to noncurrent loans | 801.6949% | 694 |
| Noncurrent assets plus other real estate owned to assets | 0.0524% | 4,500 |
| Noncurrent loans to loans | 0.0645% | 4,394 |
| Net loans and leases to total assets | 80.8100% | 755 |
| Net loans and leases to deposits | 102.8482% | 483 |
| Net loans and leases to core deposits | 115.2505% | 719 |
| Total domestic deposits to total assets | 78.5722% | 4,302 |
| Equity capital to assets | 9.0696% | 4,756 |
| Core capital (leverage) ratio | 9.3987% | 4,251 |
| Tier 1 risk-based capital ratio | 14.3343% | 3,152 |
| Total risk-based capital ratio | 15.0133% | 3,337 |
| Memoranda: | ||
| Average total assets | $326,284,670 | 2,017 |
| Average earning assets | $307,038,670 | 2,000 |
| Average equity | $34,099,330 | 2,191 |
| Average total loans | $270,826,000 | 1,749 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8380% | 4,644 |
| Cost of funding earning assets | 1.4982% | 326 |
| Net interest margin | 2.3399% | 5,245 |
| Noninterest income to average assets | 0.0674% | 5,172 |
| Noninterest expense to average assets | 1.7891% | 4,935 |
| Loan and lease loss provision to assets | 0.0387% | 2,854 |
| Net operating income to assets | 0.3402% | 4,851 |
| Return on assets (ROA) | 0.3481% | 4,846 |
| Pretax return on assets | 0.4554% | 4,766 |
| Return on Equity (ROE) | 3.1127% | 4,764 |
| Retained earnings to average equity (ytd only) | 3.1127% | 3,692 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.7047% | 1,193 |
| Assets per employee ($millions) | 10.7432% | 274 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5044% | 5,075 |
| Loan loss allowance to noncurrent loans | 393.8953% | 1,268 |
| Noncurrent assets plus other real estate owned to assets | 0.1067% | 4,275 |
| Noncurrent loans to loans | 0.1280% | 4,163 |
| Net loans and leases to total assets | 82.9368% | 474 |
| Net loans and leases to deposits | 103.8651% | 400 |
| Net loans and leases to core deposits | 116.0422% | 649 |
| Total domestic deposits to total assets | 79.8504% | 4,198 |
| Equity capital to assets | 10.6213% | 3,239 |
| Core capital (leverage) ratio | 10.7561% | 2,797 |
| Tier 1 risk-based capital ratio | 15.9107% | 2,483 |
| Total risk-based capital ratio | 16.5403% | 2,662 |
| Memoranda: | ||
| Average total assets | $320,603,500 | 2,059 |
| Average earning assets | $302,238,500 | 2,037 |
| Average equity | $35,853,500 | 2,105 |
| Average total loans | $269,104,000 | 1,762 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6503% | 4,739 |
| Cost of funding earning assets | 1.1923% | 355 |
| Net interest margin | 2.4580% | 5,232 |
| Noninterest income to average assets | 0.0809% | 5,204 |
| Noninterest expense to average assets | 1.6763% | 5,121 |
| Loan and lease loss provision to assets | 0.0604% | 2,953 |
| Net operating income to assets | 0.4907% | 4,678 |
| Return on assets (ROA) | 0.6193% | 4,376 |
| Pretax return on assets | 0.8191% | 4,116 |
| Return on Equity (ROE) | 5.2794% | 4,391 |
| Retained earnings to average equity (ytd only) | 5.2794% | 2,610 |
| Net charge-offs to loans | 0.0000% | 3,782 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0468% | 2,180 |
| Assets per employee ($millions) | 10.9970% | 261 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4912% | 5,132 |
| Loan loss allowance to noncurrent loans | 380.4598% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.1091% | 4,290 |
| Noncurrent loans to loans | 0.1291% | 4,157 |
| Net loans and leases to total assets | 84.1072% | 403 |
| Net loans and leases to deposits | 109.6639% | 260 |
| Net loans and leases to core deposits | 122.7903% | 473 |
| Total domestic deposits to total assets | 76.6955% | 4,678 |
| Equity capital to assets | 11.7509% | 2,064 |
| Core capital (leverage) ratio | 12.1720% | 1,624 |
| Tier 1 risk-based capital ratio | 17.2553% | 1,972 |
| Total risk-based capital ratio | 17.8592% | 2,148 |
| Memoranda: | ||
| Average total assets | $312,773,600 | 2,075 |
| Average earning assets | $294,222,800 | 2,053 |
| Average equity | $36,689,800 | 1,999 |
| Average total loans | $260,405,600 | 1,777 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6021% | 4,802 |
| Cost of funding earning assets | 1.1141% | 371 |
| Net interest margin | 2.4880% | 5,287 |
| Noninterest income to average assets | 0.0625% | 5,313 |
| Noninterest expense to average assets | 1.6411% | 5,180 |
| Loan and lease loss provision to assets | 0.0964% | 2,054 |
| Net operating income to assets | 0.4919% | 4,775 |
| Return on assets (ROA) | 0.6130% | 4,471 |
| Pretax return on assets | 0.8174% | 4,249 |
| Return on Equity (ROE) | 5.2282% | 4,489 |
| Retained earnings to average equity (ytd only) | 5.2282% | 3,100 |
| Net charge-offs to loans | 0.0000% | 3,489 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3375% | 2,476 |
| Assets per employee ($millions) | 10.9820% | 249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5159% | 5,171 |
| Loan loss allowance to noncurrent loans | 384.1808% | 1,365 |
| Noncurrent assets plus other real estate owned to assets | 0.1112% | 4,412 |
| Noncurrent loans to loans | 0.1343% | 4,279 |
| Net loans and leases to total assets | 82.3548% | 652 |
| Net loans and leases to deposits | 108.1714% | 350 |
| Net loans and leases to core deposits | 121.6951% | 526 |
| Total domestic deposits to total assets | 76.1336% | 4,774 |
| Equity capital to assets | 11.6282% | 2,158 |
| Core capital (leverage) ratio | 12.0738% | 1,742 |
| Tier 1 risk-based capital ratio | 16.6353% | 2,228 |
| Total risk-based capital ratio | 17.2724% | 2,378 |
| Memoranda: | ||
| Average total assets | $311,239,000 | 2,101 |
| Average earning assets | $292,599,750 | 2,076 |
| Average equity | $36,493,500 | 2,006 |
| Average total loans | $258,119,000 | 1,797 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5248% | 4,888 |
| Cost of funding earning assets | 1.0140% | 443 |
| Net interest margin | 2.5108% | 5,338 |
| Noninterest income to average assets | 0.0661% | 5,364 |
| Noninterest expense to average assets | 1.6644% | 5,223 |
| Loan and lease loss provision to assets | 0.1107% | 1,780 |
| Net operating income to assets | 0.4848% | 4,780 |
| Return on assets (ROA) | 0.6152% | 4,452 |
| Pretax return on assets | 0.8199% | 4,192 |
| Return on Equity (ROE) | 5.2322% | 4,485 |
| Retained earnings to average equity (ytd only) | 5.2322% | 2,965 |
| Net charge-offs to loans | 0.0000% | 3,209 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.4968% | 2,560 |
| Assets per employee ($millions) | 10.9076% | 247 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4957% | 5,263 |
| Loan loss allowance to noncurrent loans | 456.6434% | 1,171 |
| Noncurrent assets plus other real estate owned to assets | 0.0904% | 4,561 |
| Noncurrent loans to loans | 0.1086% | 4,424 |
| Net loans and leases to total assets | 82.8711% | 595 |
| Net loans and leases to deposits | 110.1721% | 272 |
| Net loans and leases to core deposits | 124.3357% | 450 |
| Total domestic deposits to total assets | 75.2196% | 4,935 |
| Equity capital to assets | 11.5820% | 2,139 |
| Core capital (leverage) ratio | 12.0386% | 1,689 |
| Tier 1 risk-based capital ratio | 17.2957% | 2,005 |
| Total risk-based capital ratio | 17.9599% | 2,136 |
| Memoranda: | ||
| Average total assets | $308,826,330 | 2,127 |
| Average earning assets | $290,740,000 | 2,095 |
| Average equity | $36,313,670 | 2,020 |
| Average total loans | $256,278,330 | 1,815 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4651% | 4,928 |
| Cost of funding earning assets | 0.9187% | 542 |
| Net interest margin | 2.5464% | 5,359 |
| Noninterest income to average assets | 0.0747% | 5,414 |
| Noninterest expense to average assets | 1.6350% | 5,303 |
| Loan and lease loss provision to assets | 0.0524% | 2,725 |
| Net operating income to assets | 0.5738% | 4,498 |
| Return on assets (ROA) | 0.7001% | 4,101 |
| Pretax return on assets | 0.9493% | 3,707 |
| Return on Equity (ROE) | 5.9083% | 4,185 |
| Retained earnings to average equity (ytd only) | 5.9083% | 2,752 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.0138% | 3,153 |
| Assets per employee ($millions) | 11.3816% | 220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4646% | 5,373 |
| Loan loss allowance to noncurrent loans | 573.1707% | 967 |
| Noncurrent assets plus other real estate owned to assets | 0.0667% | 4,758 |
| Noncurrent loans to loans | 0.0811% | 4,619 |
| Net loans and leases to total assets | 81.9139% | 675 |
| Net loans and leases to deposits | 109.8747% | 261 |
| Net loans and leases to core deposits | 123.3071% | 493 |
| Total domestic deposits to total assets | 74.5522% | 5,102 |
| Equity capital to assets | 11.8150% | 1,908 |
| Core capital (leverage) ratio | 12.0706% | 1,609 |
| Tier 1 risk-based capital ratio | 17.7643% | 1,902 |
| Total risk-based capital ratio | 18.4164% | 2,024 |
| Memoranda: | ||
| Average total assets | $305,080,000 | 2,161 |
| Average earning assets | $287,784,000 | 2,133 |
| Average equity | $36,152,500 | 2,033 |
| Average total loans | $252,696,000 | 1,838 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2975% | 5,084 |
| Cost of funding earning assets | 0.8322% | 523 |
| Net interest margin | 2.4654% | 5,427 |
| Noninterest income to average assets | 0.0872% | 5,441 |
| Noninterest expense to average assets | 1.6914% | 5,341 |
| Loan and lease loss provision to assets | 0.0858% | 2,482 |
| Net operating income to assets | 0.3930% | 4,718 |
| Return on assets (ROA) | 0.7047% | 3,635 |
| Pretax return on assets | 1.1358% | 3,039 |
| Return on Equity (ROE) | 5.6801% | 3,879 |
| Retained earnings to average equity (ytd only) | 5.6801% | 1,721 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7202% | 2,605 |
| Assets per employee ($millions) | 11.2169% | 228 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4491% | 5,448 |
| Loan loss allowance to noncurrent loans | 547.8261% | 1,018 |
| Noncurrent assets plus other real estate owned to assets | 0.0683% | 4,785 |
| Noncurrent loans to loans | 0.0820% | 4,634 |
| Net loans and leases to total assets | 82.9959% | 563 |
| Net loans and leases to deposits | 106.9781% | 358 |
| Net loans and leases to core deposits | 119.8757% | 584 |
| Total domestic deposits to total assets | 77.5822% | 4,780 |
| Equity capital to assets | 11.8858% | 1,918 |
| Core capital (leverage) ratio | 12.5871% | 1,315 |
| Tier 1 risk-based capital ratio | 19.0774% | 1,494 |
| Total risk-based capital ratio | 19.7992% | 1,585 |
| Memoranda: | ||
| Average total assets | $284,381,800 | 2,260 |
| Average earning assets | $269,778,600 | 2,208 |
| Average equity | $35,281,200 | 2,062 |
| Average total loans | $231,240,600 | 1,931 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2660% | 5,154 |
| Cost of funding earning assets | 0.8048% | 565 |
| Net interest margin | 2.4612% | 5,497 |
| Noninterest income to average assets | 0.0925% | 5,501 |
| Noninterest expense to average assets | 1.6962% | 5,371 |
| Loan and lease loss provision to assets | 0.0443% | 3,212 |
| Net operating income to assets | 0.4409% | 4,899 |
| Return on assets (ROA) | 0.8054% | 3,547 |
| Pretax return on assets | 1.2577% | 2,675 |
| Return on Equity (ROE) | 6.4192% | 3,943 |
| Retained earnings to average equity (ytd only) | 6.4192% | 2,001 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8391% | 2,559 |
| Assets per employee ($millions) | 10.1328% | 304 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4169% | 5,548 |
| Loan loss allowance to noncurrent loans | 514.6597% | 1,012 |
| Noncurrent assets plus other real estate owned to assets | 0.0650% | 4,910 |
| Noncurrent loans to loans | 0.0810% | 4,747 |
| Net loans and leases to total assets | 79.9055% | 997 |
| Net loans and leases to deposits | 102.5018% | 583 |
| Net loans and leases to core deposits | 115.1345% | 784 |
| Total domestic deposits to total assets | 77.9552% | 4,735 |
| Equity capital to assets | 12.1834% | 1,845 |
| Core capital (leverage) ratio | 12.6716% | 1,341 |
| Tier 1 risk-based capital ratio | 18.9289% | 1,608 |
| Total risk-based capital ratio | 19.6110% | 1,721 |
| Memoranda: | ||
| Average total assets | $279,763,000 | 2,305 |
| Average earning assets | $265,560,250 | 2,255 |
| Average equity | $35,102,250 | 2,080 |
| Average total loans | $225,927,500 | 1,967 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.2035% | 5,235 |
| Cost of funding earning assets | 0.7615% | 651 |
| Net interest margin | 2.4420% | 5,542 |
| Noninterest income to average assets | 0.0640% | 5,613 |
| Noninterest expense to average assets | 1.6963% | 5,412 |
| Loan and lease loss provision to assets | 0.0662% | 2,642 |
| Net operating income to assets | 0.3712% | 5,043 |
| Return on assets (ROA) | 0.7467% | 3,707 |
| Pretax return on assets | 1.2084% | 2,737 |
| Return on Equity (ROE) | 5.8906% | 4,094 |
| Retained earnings to average equity (ytd only) | 5.8906% | 2,179 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.1497% | 2,488 |
| Assets per employee ($millions) | 9.6491% | 336 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4201% | 5,596 |
| Loan loss allowance to noncurrent loans | 191.9765% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.1765% | 4,476 |
| Noncurrent loans to loans | 0.2188% | 4,249 |
| Net loans and leases to total assets | 80.3294% | 902 |
| Net loans and leases to deposits | 103.2301% | 536 |
| Net loans and leases to core deposits | 113.7015% | 811 |
| Total domestic deposits to total assets | 77.8159% | 4,843 |
| Equity capital to assets | 12.1980% | 1,789 |
| Core capital (leverage) ratio | 12.7226% | 1,288 |
| Tier 1 risk-based capital ratio | 18.7598% | 1,648 |
| Total risk-based capital ratio | 19.5272% | 1,743 |
| Memoranda: | ||
| Average total assets | $275,067,000 | 2,344 |
| Average earning assets | $261,342,670 | 2,291 |
| Average equity | $34,869,330 | 2,084 |
| Average total loans | $222,641,330 | 1,990 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1702% | 5,281 |
| Cost of funding earning assets | 0.7576% | 624 |
| Net interest margin | 2.4126% | 5,614 |
| Noninterest income to average assets | 0.0627% | 5,696 |
| Noninterest expense to average assets | 1.7158% | 5,461 |
| Loan and lease loss provision to assets | -0.0299% | 5,686 |
| Net operating income to assets | 0.4003% | 4,939 |
| Return on assets (ROA) | 0.8437% | 3,063 |
| Pretax return on assets | 1.3664% | 2,004 |
| Return on Equity (ROE) | 6.5226% | 3,650 |
| Retained earnings to average equity (ytd only) | 6.5226% | 2,065 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7215% | 2,452 |
| Assets per employee ($millions) | 9.0513% | 420 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3949% | 5,688 |
| Loan loss allowance to noncurrent loans | 166.6667% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 0.1922% | 4,480 |
| Noncurrent loans to loans | 0.2370% | 4,265 |
| Net loans and leases to total assets | 80.8042% | 721 |
| Net loans and leases to deposits | 99.4994% | 645 |
| Net loans and leases to core deposits | 110.5427% | 856 |
| Total domestic deposits to total assets | 81.2107% | 4,364 |
| Equity capital to assets | 12.8523% | 1,325 |
| Core capital (leverage) ratio | 12.7948% | 1,218 |
| Tier 1 risk-based capital ratio | 19.7445% | 1,438 |
| Total risk-based capital ratio | 20.5718% | 1,507 |
| Memoranda: | ||
| Average total assets | $267,864,000 | 2,411 |
| Average earning assets | $254,999,500 | 2,355 |
| Average equity | $34,649,000 | 2,102 |
| Average total loans | $217,205,500 | 2,046 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1110% | 5,391 |
| Cost of funding earning assets | 0.7226% | 735 |
| Net interest margin | 2.3884% | 5,652 |
| Noninterest income to average assets | 0.0910% | 5,667 |
| Noninterest expense to average assets | 1.7233% | 5,544 |
| Loan and lease loss provision to assets | 0.1252% | 1,982 |
| Net operating income to assets | 0.3297% | 5,147 |
| Return on assets (ROA) | 0.5921% | 4,356 |
| Pretax return on assets | 0.9134% | 3,798 |
| Return on Equity (ROE) | 4.3355% | 4,722 |
| Retained earnings to average equity (ytd only) | 4.3355% | 2,817 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0795% | 2,420 |
| Assets per employee ($millions) | 9.7848% | 327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4156% | 5,723 |
| Loan loss allowance to noncurrent loans | 9,888.8889% | 98 |
| Noncurrent assets plus other real estate owned to assets | 0.0034% | 5,426 |
| Noncurrent loans to loans | 0.0042% | 5,299 |
| Net loans and leases to total assets | 80.7135% | 783 |
| Net loans and leases to deposits | 98.3529% | 795 |
| Net loans and leases to core deposits | 109.0035% | 959 |
| Total domestic deposits to total assets | 82.0652% | 4,055 |
| Equity capital to assets | 13.0206% | 1,247 |
| Core capital (leverage) ratio | 13.5827% | 940 |
| Tier 1 risk-based capital ratio | 20.1367% | 1,351 |
| Total risk-based capital ratio | 21.0870% | 1,373 |
| Memoranda: | ||
| Average total assets | $248,423,800 | 2,517 |
| Average earning assets | $235,806,600 | 2,473 |
| Average equity | $33,929,200 | 2,136 |
| Average total loans | $187,747,600 | 2,232 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0557% | 5,522 |
| Cost of funding earning assets | 0.7099% | 775 |
| Net interest margin | 2.3457% | 5,755 |
| Noninterest income to average assets | 0.0693% | 5,791 |
| Noninterest expense to average assets | 1.7408% | 5,584 |
| Loan and lease loss provision to assets | 0.1527% | 1,531 |
| Net operating income to assets | 0.2602% | 5,371 |
| Return on assets (ROA) | 0.4630% | 4,905 |
| Pretax return on assets | 0.7095% | 4,584 |
| Return on Equity (ROE) | 3.3479% | 5,127 |
| Retained earnings to average equity (ytd only) | 3.3479% | 3,888 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9819% | 1,975 |
| Assets per employee ($millions) | 9.3671% | 366 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4161% | 5,789 |
| 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 | 78.3844% | 1,132 |
| Net loans and leases to deposits | 93.5213% | 1,316 |
| Net loans and leases to core deposits | 103.2525% | 1,396 |
| Total domestic deposits to total assets | 83.8145% | 3,269 |
| Equity capital to assets | 13.0793% | 1,453 |
| Core capital (leverage) ratio | 13.6120% | 966 |
| Tier 1 risk-based capital ratio | 21.0394% | 1,266 |
| Total risk-based capital ratio | 22.1393% | 1,270 |
| Memoranda: | ||
| Average total assets | $244,482,250 | 2,564 |
| Average earning assets | $231,564,000 | 2,515 |
| Average equity | $33,811,750 | 2,156 |
| Average total loans | $181,152,750 | 2,303 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0292% | 5,621 |
| Cost of funding earning assets | 0.6990% | 810 |
| Net interest margin | 2.3302% | 5,847 |
| Noninterest income to average assets | 0.0721% | 5,856 |
| Noninterest expense to average assets | 1.8319% | 5,554 |
| Loan and lease loss provision to assets | 0.1367% | 1,659 |
| Net operating income to assets | 0.2085% | 5,508 |
| Return on assets (ROA) | 0.3731% | 5,201 |
| Pretax return on assets | 0.5542% | 5,011 |
| Return on Equity (ROE) | 2.6451% | 5,349 |
| Retained earnings to average equity (ytd only) | 2.6451% | 4,212 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.4492% | 1,452 |
| Assets per employee ($millions) | 9.3512% | 349 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3940% | 5,886 |
| Loan loss allowance to noncurrent loans | 218.8791% | 2,102 |
| Noncurrent assets plus other real estate owned to assets | 0.1343% | 4,970 |
| Noncurrent loans to loans | 0.1800% | 4,712 |
| Net loans and leases to total assets | 74.2968% | 1,781 |
| Net loans and leases to deposits | 87.0796% | 2,123 |
| Net loans and leases to core deposits | 96.7601% | 1,910 |
| Total domestic deposits to total assets | 85.3205% | 2,725 |
| Equity capital to assets | 13.4726% | 1,251 |
| Core capital (leverage) ratio | 13.7891% | 878 |
| Tier 1 risk-based capital ratio | 21.8894% | 1,149 |
| Total risk-based capital ratio | 23.0066% | 1,148 |
| Memoranda: | ||
| Average total assets | $238,550,330 | 2,610 |
| Average earning assets | $225,735,330 | 2,570 |
| Average equity | $33,647,670 | 2,163 |
| Average total loans | $172,722,330 | 2,389 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0553% | 5,637 |
| Cost of funding earning assets | 0.6907% | 849 |
| Net interest margin | 2.3645% | 5,894 |
| Noninterest income to average assets | 0.0760% | 5,888 |
| Noninterest expense to average assets | 1.7929% | 5,660 |
| Loan and lease loss provision to assets | 0.1036% | 1,978 |
| Net operating income to assets | 0.2884% | 5,336 |
| Return on assets (ROA) | 0.2884% | 5,417 |
| Pretax return on assets | 0.4145% | 5,279 |
| Return on Equity (ROE) | 1.9962% | 5,500 |
| Retained earnings to average equity (ytd only) | 1.9962% | 4,457 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5785% | 1,959 |
| Assets per employee ($millions) | 9.4772% | 333 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3783% | 5,963 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 71.0225% | 2,190 |
| Net loans and leases to deposits | 84.0655% | 2,297 |
| Net loans and leases to core deposits | 92.6124% | 2,133 |
| Total domestic deposits to total assets | 84.4848% | 3,320 |
| Equity capital to assets | 14.2152% | 911 |
| Core capital (leverage) ratio | 13.9452% | 824 |
| Tier 1 risk-based capital ratio | 22.9798% | 1,015 |
| Total risk-based capital ratio | 24.1403% | 1,005 |
| Memoranda: | ||
| Average total assets | $231,584,500 | 2,678 |
| Average earning assets | $218,901,500 | 2,638 |
| Average equity | $33,463,500 | 2,179 |
| Average total loans | $164,919,500 | 2,467 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8630% | 5,841 |
| Cost of funding earning assets | 0.6607% | 1,016 |
| Net interest margin | 2.2023% | 5,986 |
| Noninterest income to average assets | 0.1321% | 5,754 |
| Noninterest expense to average assets | 1.7717% | 5,777 |
| Loan and lease loss provision to assets | 0.0278% | 3,819 |
| Net operating income to assets | 0.2906% | 5,387 |
| Return on assets (ROA) | 0.2735% | 5,508 |
| Pretax return on assets | 0.3838% | 5,354 |
| Return on Equity (ROE) | 1.7926% | 5,623 |
| Retained earnings to average equity (ytd only) | 1.7926% | 4,712 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.2604% | 1,634 |
| Assets per employee ($millions) | 9.0496% | 378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3598% | 6,024 |
| Loan loss allowance to noncurrent loans | 218.4906% | 2,125 |
| Noncurrent assets plus other real estate owned to assets | 0.1171% | 5,123 |
| Noncurrent loans to loans | 0.1647% | 4,831 |
| Net loans and leases to total assets | 70.8752% | 2,226 |
| Net loans and leases to deposits | 84.4626% | 2,312 |
| Net loans and leases to core deposits | 92.0382% | 2,218 |
| Total domestic deposits to total assets | 83.9131% | 3,513 |
| Equity capital to assets | 14.6955% | 732 |
| Core capital (leverage) ratio | 14.4470% | 727 |
| Tier 1 risk-based capital ratio | 23.6628% | 942 |
| Total risk-based capital ratio | 24.7692% | 945 |
| Memoranda: | ||
| Average total assets | $215,726,200 | 2,781 |
| Average earning assets | $203,284,400 | 2,748 |
| Average equity | $32,913,200 | 2,152 |
| Average total loans | $144,710,600 | 2,673 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8286% | 5,940 |
| Cost of funding earning assets | 0.6611% | 1,028 |
| Net interest margin | 2.1675% | 6,082 |
| Noninterest income to average assets | 0.1170% | 5,889 |
| Noninterest expense to average assets | 1.7594% | 5,835 |
| Loan and lease loss provision to assets | 0.0282% | 3,677 |
| Net operating income to assets | 0.2558% | 5,565 |
| Return on assets (ROA) | 0.2697% | 5,611 |
| Pretax return on assets | 0.3904% | 5,477 |
| Return on Equity (ROE) | 1.7504% | 5,725 |
| Retained earnings to average equity (ytd only) | 1.7504% | 5,002 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.5309% | 1,456 |
| Assets per employee ($millions) | 8.7648% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3725% | 6,104 |
| Loan loss allowance to noncurrent loans | 197.8947% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 0.1301% | 5,230 |
| Noncurrent loans to loans | 0.1882% | 4,893 |
| Net loans and leases to total assets | 68.8367% | 2,556 |
| Net loans and leases to deposits | 82.4474% | 2,594 |
| Net loans and leases to core deposits | 89.8287% | 2,485 |
| Total domestic deposits to total assets | 83.4917% | 3,612 |
| Equity capital to assets | 15.0497% | 728 |
| Core capital (leverage) ratio | 14.8556% | 666 |
| Tier 1 risk-based capital ratio | 24.3657% | 911 |
| Total risk-based capital ratio | 25.4260% | 917 |
| Memoranda: | ||
| Average total assets | $213,097,750 | 2,830 |
| Average earning assets | $200,658,750 | 2,795 |
| Average equity | $32,829,750 | 2,173 |
| Average total loans | $140,656,500 | 2,737 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7681% | 6,045 |
| Cost of funding earning assets | 0.6530% | 1,081 |
| Net interest margin | 2.1151% | 6,169 |
| Noninterest income to average assets | 0.0815% | 6,086 |
| Noninterest expense to average assets | 1.7433% | 5,930 |
| Loan and lease loss provision to assets | 0.0095% | 3,911 |
| Net operating income to assets | 0.2172% | 5,653 |
| Return on assets (ROA) | 0.2378% | 5,679 |
| Pretax return on assets | 0.3506% | 5,575 |
| Return on Equity (ROE) | 1.5314% | 5,794 |
| Retained earnings to average equity (ytd only) | 1.5314% | 4,934 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.0951% | 1,257 |
| Assets per employee ($millions) | 8.2109% | 482 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3741% | 6,175 |
| Loan loss allowance to noncurrent loans | 76.0057% | 4,321 |
| Noncurrent assets plus other real estate owned to assets | 0.3260% | 4,575 |
| Noncurrent loans to loans | 0.4922% | 3,995 |
| Net loans and leases to total assets | 65.9951% | 2,948 |
| Net loans and leases to deposits | 79.4144% | 2,861 |
| Net loans and leases to core deposits | 87.1498% | 2,645 |
| Total domestic deposits to total assets | 83.1022% | 3,908 |
| Equity capital to assets | 15.3946% | 631 |
| Core capital (leverage) ratio | 15.0027% | 613 |
| Tier 1 risk-based capital ratio | 27.0093% | 708 |
| Total risk-based capital ratio | 28.2903% | 691 |
| Memoranda: | ||
| Average total assets | $211,090,330 | 2,871 |
| Average earning assets | $198,764,000 | 2,832 |
| Average equity | $32,780,670 | 2,183 |
| Average total loans | $137,075,670 | 2,792 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.7510% | 6,098 |
| Cost of funding earning assets | 0.6397% | 1,182 |
| Net interest margin | 2.1113% | 6,245 |
| Noninterest income to average assets | 0.0762% | 6,160 |
| Noninterest expense to average assets | 1.7399% | 5,970 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.2236% | 5,623 |
| Return on assets (ROA) | 0.2249% | 5,711 |
| Pretax return on assets | 0.3259% | 5,587 |
| Return on Equity (ROE) | 1.4417% | 5,820 |
| Retained earnings to average equity (ytd only) | 1.4417% | 4,908 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.3029% | 1,342 |
| Assets per employee ($millions) | 8.3951% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3834% | 6,247 |
| Loan loss allowance to noncurrent loans | 73.5127% | 4,346 |
| Noncurrent assets plus other real estate owned to assets | 0.3364% | 4,644 |
| Noncurrent loans to loans | 0.5215% | 4,009 |
| Net loans and leases to total assets | 64.2505% | 3,059 |
| Net loans and leases to deposits | 77.6862% | 2,849 |
| Net loans and leases to core deposits | 83.5069% | 2,823 |
| Total domestic deposits to total assets | 82.7051% | 4,275 |
| Equity capital to assets | 15.6673% | 595 |
| Core capital (leverage) ratio | 15.0995% | 595 |
| Tier 1 risk-based capital ratio | 26.9752% | 718 |
| Total risk-based capital ratio | 28.3031% | 692 |
| Memoranda: | ||
| Average total assets | $209,893,500 | 2,911 |
| Average earning assets | $197,600,000 | 2,864 |
| Average equity | $32,738,500 | 2,196 |
| Average total loans | $134,904,500 | 2,830 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8878% | 6,149 |
| Cost of funding earning assets | 0.6754% | 1,237 |
| Net interest margin | 2.2123% | 6,306 |
| Noninterest income to average assets | 0.1336% | 6,023 |
| Noninterest expense to average assets | 1.6969% | 6,158 |
| Loan and lease loss provision to assets | 0.0050% | 4,513 |
| Net operating income to assets | 0.3456% | 5,392 |
| Return on assets (ROA) | 0.3456% | 5,458 |
| Pretax return on assets | 0.4926% | 5,272 |
| Return on Equity (ROE) | 2.9656% | 5,495 |
| Retained earnings to average equity (ytd only) | 2.9656% | 4,137 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.3252% | 2,308 |
| Assets per employee ($millions) | 8.3964% | 458 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3860% | 6,330 |
| Loan loss allowance to noncurrent loans | 83.3066% | 4,153 |
| Noncurrent assets plus other real estate owned to assets | 0.2968% | 4,846 |
| Noncurrent loans to loans | 0.4634% | 4,262 |
| Net loans and leases to total assets | 63.8007% | 3,254 |
| Net loans and leases to deposits | 77.0037% | 3,085 |
| Net loans and leases to core deposits | 82.5906% | 3,039 |
| Total domestic deposits to total assets | 82.8541% | 4,127 |
| Equity capital to assets | 15.5281% | 598 |
| Core capital (leverage) ratio | 14.7764% | 651 |
| Tier 1 risk-based capital ratio | 26.2691% | 742 |
| Total risk-based capital ratio | 27.5338% | 724 |
| Memoranda: | ||
| Average total assets | $201,365,000 | 2,970 |
| Average earning assets | $187,584,800 | 2,942 |
| Average equity | $23,469,400 | 2,804 |
| Average total loans | $132,578,600 | 2,817 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8846% | 6,217 |
| Cost of funding earning assets | 0.6806% | 1,253 |
| Net interest margin | 2.2040% | 6,387 |
| Noninterest income to average assets | 0.1057% | 6,224 |
| Noninterest expense to average assets | 1.6396% | 6,259 |
| Loan and lease loss provision to assets | 0.0067% | 4,286 |
| Net operating income to assets | 0.3487% | 5,430 |
| Return on assets (ROA) | 0.3487% | 5,502 |
| Pretax return on assets | 0.5073% | 5,310 |
| Return on Equity (ROE) | 3.2785% | 5,440 |
| Retained earnings to average equity (ytd only) | 3.2785% | 4,293 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.1342% | 2,470 |
| Assets per employee ($millions) | 8.5076% | 418 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3908% | 6,411 |
| Loan loss allowance to noncurrent loans | 61.5658% | 4,735 |
| Noncurrent assets plus other real estate owned to assets | 0.3964% | 4,731 |
| Noncurrent loans to loans | 0.6347% | 4,027 |
| Net loans and leases to total assets | 62.2032% | 3,455 |
| Net loans and leases to deposits | 69.6133% | 3,965 |
| Net loans and leases to core deposits | 74.1954% | 3,921 |
| Total domestic deposits to total assets | 89.3554% | 1,047 |
| Equity capital to assets | 10.1693% | 3,967 |
| Core capital (leverage) ratio | 10.7142% | 2,803 |
| Tier 1 risk-based capital ratio | 17.0448% | 2,604 |
| Total risk-based capital ratio | 18.2348% | 2,580 |
| Memoranda: | ||
| Average total assets | $199,228,750 | 3,031 |
| Average earning assets | $185,116,500 | 2,997 |
| Average equity | $21,188,000 | 3,037 |
| Average total loans | $132,112,500 | 2,828 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9661% | 6,213 |
| Cost of funding earning assets | 0.7074% | 1,154 |
| Net interest margin | 2.2587% | 6,429 |
| Noninterest income to average assets | 0.1171% | 6,212 |
| Noninterest expense to average assets | 1.6555% | 6,312 |
| Loan and lease loss provision to assets | 0.0103% | 4,034 |
| Net operating income to assets | 0.3707% | 5,323 |
| Return on assets (ROA) | 0.3707% | 5,393 |
| Pretax return on assets | 0.5433% | 5,150 |
| Return on Equity (ROE) | 3.4314% | 5,370 |
| Retained earnings to average equity (ytd only) | 3.4314% | 4,016 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.9419% | 2,817 |
| Assets per employee ($millions) | 7.7871% | 550 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3955% | 6,491 |
| Loan loss allowance to noncurrent loans | 61.9332% | 4,752 |
| Noncurrent assets plus other real estate owned to assets | 0.4305% | 4,719 |
| Noncurrent loans to loans | 0.6386% | 4,111 |
| Net loans and leases to total assets | 67.1425% | 2,556 |
| Net loans and leases to deposits | 75.9109% | 3,069 |
| Net loans and leases to core deposits | 81.4703% | 3,035 |
| Total domestic deposits to total assets | 88.4491% | 1,661 |
| Equity capital to assets | 11.0532% | 2,823 |
| Core capital (leverage) ratio | 10.5951% | 2,830 |
| Tier 1 risk-based capital ratio | 17.3064% | 2,500 |
| Total risk-based capital ratio | 18.5378% | 2,460 |
| Memoranda: | ||
| Average total assets | $194,741,670 | 3,093 |
| Average earning assets | $180,371,670 | 3,078 |
| Average equity | $21,041,000 | 3,045 |
| Average total loans | $131,877,000 | 2,840 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.9877% | 6,254 |
| Cost of funding earning assets | 0.7280% | 1,087 |
| Net interest margin | 2.2597% | 6,498 |
| Noninterest income to average assets | 0.1191% | 6,249 |
| Noninterest expense to average assets | 1.7312% | 6,306 |
| Loan and lease loss provision to assets | 0.0062% | 3,740 |
| Net operating income to assets | 0.3265% | 5,404 |
| Return on assets (ROA) | 0.3265% | 5,454 |
| Pretax return on assets | 0.4662% | 5,265 |
| Return on Equity (ROE) | 3.0573% | 5,440 |
| Retained earnings to average equity (ytd only) | 3.0573% | 4,280 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5648% | 2,401 |
| Assets per employee ($millions) | 7.7117% | 563 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3882% | 6,569 |
| Loan loss allowance to noncurrent loans | 97.5238% | 3,671 |
| Noncurrent assets plus other real estate owned to assets | 0.2723% | 5,353 |
| Noncurrent loans to loans | 0.3981% | 4,943 |
| Net loans and leases to total assets | 68.1425% | 2,197 |
| Net loans and leases to deposits | 76.8381% | 2,709 |
| Net loans and leases to core deposits | 82.5374% | 2,687 |
| Total domestic deposits to total assets | 88.6832% | 1,845 |
| Equity capital to assets | 10.9070% | 2,816 |
| Core capital (leverage) ratio | 10.3282% | 3,144 |
| Tier 1 risk-based capital ratio | 17.0542% | 2,666 |
| Total risk-based capital ratio | 18.1478% | 2,692 |
| Memoranda: | ||
| Average total assets | $194,774,000 | 3,114 |
| Average earning assets | $179,667,000 | 3,103 |
| Average equity | $20,802,500 | 3,081 |
| Average total loans | $132,200,500 | 2,845 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0481% | 6,292 |
| Cost of funding earning assets | 0.8555% | 934 |
| Net interest margin | 2.1926% | 6,584 |
| Noninterest income to average assets | 0.1766% | 6,026 |
| Noninterest expense to average assets | 1.6607% | 6,476 |
| Loan and lease loss provision to assets | 0.0185% | 4,760 |
| Net operating income to assets | 0.3753% | 5,243 |
| Return on assets (ROA) | 0.3753% | 5,357 |
| Pretax return on assets | 0.5344% | 5,092 |
| Return on Equity (ROE) | 3.6101% | 5,277 |
| Retained earnings to average equity (ytd only) | 3.6101% | 3,657 |
| Net charge-offs to loans | 0.0008% | 5,466 |
| Credit loss provision to net charge-offs | 3,600.0000% | 59 |
| Earnings coverage of net charge-offs (x) | 1,074.0000% | 33 |
| Efficiency ratio | 75.0233% | 2,945 |
| Assets per employee ($millions) | 7.8702% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3841% | 6,648 |
| Loan loss allowance to noncurrent loans | 151.4881% | 2,652 |
| Noncurrent assets plus other real estate owned to assets | 0.1708% | 5,802 |
| Noncurrent loans to loans | 0.2536% | 5,418 |
| Net loans and leases to total assets | 67.0916% | 2,508 |
| Net loans and leases to deposits | 75.1880% | 3,067 |
| Net loans and leases to core deposits | 80.7421% | 3,043 |
| Total domestic deposits to total assets | 89.2318% | 1,466 |
| Equity capital to assets | 10.4582% | 3,216 |
| Core capital (leverage) ratio | 10.0863% | 3,454 |
| Tier 1 risk-based capital ratio | 16.9100% | 2,650 |
| Total risk-based capital ratio | 17.9455% | 2,717 |
| Memoranda: | ||
| Average total assets | $194,252,400 | 3,095 |
| Average earning assets | $180,473,000 | 3,061 |
| Average equity | $20,193,200 | 3,134 |
| Average total loans | $130,119,400 | 2,867 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0424% | 6,378 |
| Cost of funding earning assets | 0.8654% | 969 |
| Net interest margin | 2.1771% | 6,661 |
| Noninterest income to average assets | 0.1584% | 6,237 |
| Noninterest expense to average assets | 1.6499% | 6,521 |
| Loan and lease loss provision to assets | 0.0248% | 4,512 |
| Net operating income to assets | 0.3477% | 5,441 |
| Return on assets (ROA) | 0.3477% | 5,570 |
| Pretax return on assets | 0.5089% | 5,332 |
| Return on Equity (ROE) | 3.3503% | 5,482 |
| Retained earnings to average equity (ytd only) | 3.3503% | 4,296 |
| Net charge-offs to loans | 0.0010% | 5,201 |
| Credit loss provision to net charge-offs | 3,600.0000% | 92 |
| Earnings coverage of net charge-offs (x) | 776.9248% | 64 |
| Efficiency ratio | 75.5598% | 2,793 |
| Assets per employee ($millions) | 7.9116% | 479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3860% | 6,731 |
| Loan loss allowance to noncurrent loans | 73.1322% | 4,296 |
| Noncurrent assets plus other real estate owned to assets | 0.3519% | 5,354 |
| Noncurrent loans to loans | 0.5278% | 4,875 |
| Net loans and leases to total assets | 66.4156% | 2,570 |
| Net loans and leases to deposits | 74.2333% | 3,203 |
| Net loans and leases to core deposits | 80.5326% | 3,067 |
| Total domestic deposits to total assets | 89.4687% | 1,319 |
| Equity capital to assets | 10.2305% | 3,600 |
| Core capital (leverage) ratio | 10.0987% | 3,522 |
| Tier 1 risk-based capital ratio | 17.0579% | 2,684 |
| Total risk-based capital ratio | 17.9720% | 2,796 |
| Memoranda: | ||
| Average total assets | $193,626,750 | 3,130 |
| Average earning assets | $180,114,250 | 3,099 |
| Average equity | $20,097,250 | 3,179 |
| Average total loans | $129,520,500 | 2,893 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.0717% | 6,375 |
| Cost of funding earning assets | 0.8696% | 1,034 |
| Net interest margin | 2.2021% | 6,679 |
| Noninterest income to average assets | 0.1654% | 6,228 |
| Noninterest expense to average assets | 1.6167% | 6,575 |
| Loan and lease loss provision to assets | 0.0323% | 4,287 |
| Net operating income to assets | 0.3829% | 5,278 |
| Return on assets (ROA) | 0.3829% | 5,447 |
| Pretax return on assets | 0.5608% | 5,161 |
| Return on Equity (ROE) | 3.6706% | 5,347 |
| Retained earnings to average equity (ytd only) | 3.6706% | 3,976 |
| Net charge-offs to loans | 0.0016% | 4,888 |
| Credit loss provision to net charge-offs | 3,100.0000% | 98 |
| Earnings coverage of net charge-offs (x) | 570.0000% | 68 |
| Efficiency ratio | 73.1638% | 3,283 |
| Assets per employee ($millions) | 7.8532% | 486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3873% | 6,780 |
| Loan loss allowance to noncurrent loans | 67.2897% | 4,513 |
| Noncurrent assets plus other real estate owned to assets | 0.3815% | 5,339 |
| Noncurrent loans to loans | 0.5756% | 4,821 |
| Net loans and leases to total assets | 66.0212% | 2,586 |
| Net loans and leases to deposits | 73.7609% | 3,193 |
| Net loans and leases to core deposits | 79.5200% | 3,083 |
| Total domestic deposits to total assets | 89.5070% | 1,318 |
| Equity capital to assets | 10.2307% | 3,625 |
| Core capital (leverage) ratio | 9.9947% | 3,533 |
| Tier 1 risk-based capital ratio | 15.0752% | 3,728 |
| Total risk-based capital ratio | 15.8074% | 4,034 |
| Memoranda: | ||
| Average total assets | $192,238,670 | 3,162 |
| Average earning assets | $178,468,330 | 3,142 |
| Average equity | $20,051,330 | 3,203 |
| Average total loans | $128,736,330 | 2,905 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.1004% | 6,400 |
| Cost of funding earning assets | 0.8528% | 1,237 |
| Net interest margin | 2.2476% | 6,733 |
| Noninterest income to average assets | 0.1598% | 6,308 |
| Noninterest expense to average assets | 1.6783% | 6,590 |
| Loan and lease loss provision to assets | 0.0315% | 4,053 |
| Net operating income to assets | 0.3617% | 5,301 |
| Return on assets (ROA) | 0.3617% | 5,437 |
| Pretax return on assets | 0.5342% | 5,161 |
| Return on Equity (ROE) | 3.4342% | 5,376 |
| Retained earnings to average equity (ytd only) | 3.4342% | 4,191 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7891% | 3,125 |
| Assets per employee ($millions) | 8.8533% | 331 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3766% | 6,864 |
| Loan loss allowance to noncurrent loans | 112.1560% | 3,043 |
| Noncurrent assets plus other real estate owned to assets | 0.3291% | 5,595 |
| Noncurrent loans to loans | 0.3358% | 5,563 |
| Net loans and leases to total assets | 66.4156% | 2,297 |
| Net loans and leases to deposits | 74.4058% | 2,867 |
| Net loans and leases to core deposits | 79.6595% | 2,851 |
| Total domestic deposits to total assets | 89.2613% | 1,518 |
| Equity capital to assets | 10.3870% | 3,688 |
| Core capital (leverage) ratio | 10.3497% | 2,970 |
| Tier 1 risk-based capital ratio | 16.8676% | 2,823 |
| Total risk-based capital ratio | 17.7523% | 2,958 |
| Memoranda: | ||
| Average total assets | $190,192,500 | 3,222 |
| Average earning assets | $176,362,500 | 3,191 |
| Average equity | $20,034,000 | 3,246 |
| Average total loans | $128,042,500 | 2,927 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4381% | 6,435 |
| Cost of funding earning assets | 0.8201% | 2,511 |
| Net interest margin | 2.6179% | 6,620 |
| Noninterest income to average assets | 0.2109% | 5,907 |
| Noninterest expense to average assets | 1.6370% | 6,770 |
| Loan and lease loss provision to assets | 0.0194% | 5,660 |
| Net operating income to assets | 0.6474% | 4,001 |
| Return on assets (ROA) | 0.6608% | 4,193 |
| Pretax return on assets | 0.9928% | 3,571 |
| Return on Equity (ROE) | 6.2305% | 4,054 |
| Retained earnings to average equity (ytd only) | 6.2305% | 1,960 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2606% | 5,199 |
| Assets per employee ($millions) | 8.0701% | 485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3755% | 6,912 |
| Loan loss allowance to noncurrent loans | 123.7598% | 2,769 |
| Noncurrent assets plus other real estate owned to assets | 0.3168% | 5,724 |
| Noncurrent loans to loans | 0.3034% | 5,721 |
| Net loans and leases to total assets | 67.7555% | 2,224 |
| Net loans and leases to deposits | 76.0812% | 2,792 |
| Net loans and leases to core deposits | 81.6447% | 2,803 |
| Total domestic deposits to total assets | 89.0568% | 1,522 |
| Equity capital to assets | 10.6873% | 3,301 |
| Core capital (leverage) ratio | 10.5630% | 2,687 |
| Tier 1 risk-based capital ratio | 17.0029% | 2,649 |
| Total risk-based capital ratio | 17.7545% | 2,863 |
| Memoranda: | ||
| Average total assets | $180,694,400 | 3,303 |
| Average earning assets | $166,925,800 | 3,271 |
| Average equity | $19,163,800 | 3,311 |
| Average total loans | $121,266,800 | 3,046 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4428% | 6,572 |
| Cost of funding earning assets | 0.8106% | 2,859 |
| Net interest margin | 2.6322% | 6,724 |
| Noninterest income to average assets | 0.1597% | 6,343 |
| Noninterest expense to average assets | 1.6307% | 6,850 |
| Loan and lease loss provision to assets | 0.0208% | 5,534 |
| Net operating income to assets | 0.6104% | 4,343 |
| Return on assets (ROA) | 0.6278% | 4,511 |
| Pretax return on assets | 0.9643% | 3,852 |
| Return on Equity (ROE) | 5.9311% | 4,361 |
| Retained earnings to average equity (ytd only) | 5.9311% | 2,742 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.9842% | 4,979 |
| Assets per employee ($millions) | 8.2627% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3800% | 7,024 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1128% | 6,441 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 67.3490% | 2,394 |
| Net loans and leases to deposits | 75.7888% | 3,014 |
| Net loans and leases to core deposits | 80.7050% | 3,121 |
| Total domestic deposits to total assets | 88.8640% | 1,505 |
| Equity capital to assets | 10.8103% | 3,490 |
| Core capital (leverage) ratio | 10.5101% | 2,900 |
| Tier 1 risk-based capital ratio | 17.2188% | 2,641 |
| Total risk-based capital ratio | 18.0594% | 2,785 |
| Memoranda: | ||
| Average total assets | $179,464,750 | 3,361 |
| Average earning assets | $165,638,000 | 3,327 |
| Average equity | $18,995,500 | 3,367 |
| Average total loans | $120,024,250 | 3,113 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4789% | 6,630 |
| Cost of funding earning assets | 0.8081% | 3,128 |
| Net interest margin | 2.6708% | 6,743 |
| Noninterest income to average assets | 0.1612% | 6,378 |
| Noninterest expense to average assets | 1.5759% | 6,951 |
| Loan and lease loss provision to assets | 0.0146% | 5,478 |
| Net operating income to assets | 0.6749% | 3,999 |
| Return on assets (ROA) | 0.6749% | 4,262 |
| Pretax return on assets | 1.0342% | 3,583 |
| Return on Equity (ROE) | 6.4228% | 4,081 |
| Retained earnings to average equity (ytd only) | 6.4228% | 2,426 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0426% | 5,570 |
| Assets per employee ($millions) | 7.8418% | 505 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3672% | 7,093 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1137% | 6,507 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 67.9971% | 2,292 |
| Net loans and leases to deposits | 76.3077% | 2,943 |
| Net loans and leases to core deposits | 81.1397% | 3,065 |
| Total domestic deposits to total assets | 89.1091% | 1,447 |
| Equity capital to assets | 10.6580% | 3,504 |
| Core capital (leverage) ratio | 10.3847% | 2,938 |
| Tier 1 risk-based capital ratio | 17.8328% | 2,348 |
| Total risk-based capital ratio | 18.5897% | 2,497 |
| Memoranda: | ||
| Average total assets | $178,693,000 | 3,375 |
| Average earning assets | $164,821,670 | 3,349 |
| Average equity | $18,777,000 | 3,388 |
| Average total loans | $119,067,670 | 3,155 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5151% | 6,675 |
| Cost of funding earning assets | 0.8251% | 3,277 |
| Net interest margin | 2.6900% | 6,782 |
| Noninterest income to average assets | 0.1822% | 6,289 |
| Noninterest expense to average assets | 1.5968% | 6,976 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.6927% | 3,922 |
| Return on assets (ROA) | 0.6927% | 4,143 |
| Pretax return on assets | 1.0638% | 3,459 |
| Return on Equity (ROE) | 6.6401% | 3,967 |
| Retained earnings to average equity (ytd only) | 6.6401% | 2,614 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0169% | 5,607 |
| Assets per employee ($millions) | 8.0190% | 472 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3688% | 7,145 |
| Loan loss allowance to noncurrent loans | 844.2308% | 449 |
| Noncurrent assets plus other real estate owned to assets | 0.1457% | 6,522 |
| Noncurrent loans to loans | 0.0437% | 6,643 |
| Net loans and leases to total assets | 67.2169% | 2,248 |
| Net loans and leases to deposits | 75.5848% | 2,866 |
| Net loans and leases to core deposits | 80.3760% | 3,029 |
| Total domestic deposits to total assets | 88.9291% | 1,741 |
| Equity capital to assets | 10.7507% | 3,208 |
| Core capital (leverage) ratio | 10.4503% | 2,812 |
| Tier 1 risk-based capital ratio | 17.2691% | 2,570 |
| Total risk-based capital ratio | 18.0532% | 2,716 |
| Memoranda: | ||
| Average total assets | $177,858,500 | 3,410 |
| Average earning assets | $163,865,000 | 3,377 |
| Average equity | $18,554,000 | 3,415 |
| Average total loans | $117,055,000 | 3,209 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5699% | 6,952 |
| Cost of funding earning assets | 1.0787% | 2,813 |
| Net interest margin | 2.4912% | 7,064 |
| Noninterest income to average assets | 0.1695% | 6,278 |
| Noninterest expense to average assets | 1.5983% | 7,124 |
| Loan and lease loss provision to assets | 0.0000% | 6,496 |
| Net operating income to assets | 0.5653% | 4,170 |
| Return on assets (ROA) | 0.5653% | 4,352 |
| Pretax return on assets | 0.8600% | 3,742 |
| Return on Equity (ROE) | 5.5495% | 4,106 |
| Retained earnings to average equity (ytd only) | 5.5495% | 2,267 |
| Net charge-offs to loans | 0.0000% | 6,441 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0152% | 4,949 |
| Assets per employee ($millions) | 8.5381% | 388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3814% | 7,177 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1143% | 6,672 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 63.9431% | 3,202 |
| Net loans and leases to deposits | 71.2665% | 3,906 |
| Net loans and leases to core deposits | 75.3939% | 4,058 |
| Total domestic deposits to total assets | 89.7239% | 1,145 |
| Equity capital to assets | 10.1182% | 4,014 |
| Core capital (leverage) ratio | 10.1399% | 3,184 |
| Tier 1 risk-based capital ratio | 17.9667% | 2,198 |
| Total risk-based capital ratio | 18.5798% | 2,424 |
| Memoranda: | ||
| Average total assets | $174,064,200 | 3,433 |
| Average earning assets | $159,921,400 | 3,409 |
| Average equity | $17,731,200 | 3,464 |
| Average total loans | $113,082,400 | 3,310 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5026% | 7,078 |
| Cost of funding earning assets | 1.1418% | 2,685 |
| Net interest margin | 2.3608% | 7,194 |
| Noninterest income to average assets | 0.1505% | 6,508 |
| Noninterest expense to average assets | 1.6400% | 7,147 |
| Loan and lease loss provision to assets | 0.0000% | 6,393 |
| Net operating income to assets | 0.4561% | 4,740 |
| Return on assets (ROA) | 0.4561% | 4,934 |
| Pretax return on assets | 0.6792% | 4,556 |
| Return on Equity (ROE) | 4.4699% | 4,782 |
| Retained earnings to average equity (ytd only) | 4.4699% | 3,540 |
| Net charge-offs to loans | 0.0000% | 6,185 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.7155% | 3,807 |
| Assets per employee ($millions) | 8.5120% | 394 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3844% | 7,242 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1147% | 6,765 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 63.6381% | 3,388 |
| Net loans and leases to deposits | 70.6684% | 4,192 |
| Net loans and leases to core deposits | 74.7478% | 4,348 |
| Total domestic deposits to total assets | 90.0516% | 840 |
| Equity capital to assets | 9.8801% | 4,506 |
| Core capital (leverage) ratio | 10.0359% | 3,386 |
| Tier 1 risk-based capital ratio | 17.7082% | 2,362 |
| Total risk-based capital ratio | 18.2378% | 2,610 |
| Memoranda: | ||
| Average total assets | $172,755,250 | 3,472 |
| Average earning assets | $158,698,000 | 3,455 |
| Average equity | $17,628,500 | 3,479 |
| Average total loans | $112,580,750 | 3,365 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5366% | 7,140 |
| Cost of funding earning assets | 1.1754% | 2,739 |
| Net interest margin | 2.3611% | 7,256 |
| Noninterest income to average assets | 0.1464% | 6,593 |
| Noninterest expense to average assets | 1.6445% | 7,228 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4498% | 4,723 |
| Return on assets (ROA) | 0.4498% | 4,860 |
| Pretax return on assets | 0.6688% | 4,504 |
| Return on Equity (ROE) | 4.3593% | 4,756 |
| Retained earnings to average equity (ytd only) | 4.3593% | 3,417 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0886% | 3,921 |
| Assets per employee ($millions) | 8.3270% | 411 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3851% | 7,303 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1172% | 6,804 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 64.9480% | 3,267 |
| Net loans and leases to deposits | 72.5440% | 4,029 |
| Net loans and leases to core deposits | 76.3751% | 4,261 |
| Total domestic deposits to total assets | 89.5291% | 1,223 |
| Equity capital to assets | 10.2553% | 3,810 |
| Core capital (leverage) ratio | 10.1338% | 3,100 |
| Tier 1 risk-based capital ratio | 18.1693% | 2,112 |
| Total risk-based capital ratio | 18.9623% | 2,226 |
| Memoranda: | ||
| Average total assets | $170,756,000 | 3,523 |
| Average earning assets | $156,706,000 | 3,513 |
| Average equity | $17,617,670 | 3,474 |
| Average total loans | $112,043,000 | 3,410 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5814% | 7,149 |
| Cost of funding earning assets | 1.2007% | 2,809 |
| Net interest margin | 2.3807% | 7,265 |
| Noninterest income to average assets | 0.1517% | 6,635 |
| Noninterest expense to average assets | 1.7000% | 7,227 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.4315% | 4,796 |
| Return on assets (ROA) | 0.4315% | 4,881 |
| Pretax return on assets | 0.6378% | 4,544 |
| Return on Equity (ROE) | 4.1695% | 4,817 |
| Retained earnings to average equity (ytd only) | 4.1695% | 3,668 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.7181% | 3,729 |
| Assets per employee ($millions) | 8.1934% | 441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3930% | 7,352 |
| Loan loss allowance to noncurrent loans | 167.5573% | 1,748 |
| Noncurrent assets plus other real estate owned to assets | 0.3150% | 6,410 |
| Noncurrent loans to loans | 0.2345% | 6,515 |
| Net loans and leases to total assets | 64.6744% | 3,313 |
| Net loans and leases to deposits | 72.2138% | 4,042 |
| Net loans and leases to core deposits | 76.1634% | 4,281 |
| Total domestic deposits to total assets | 89.5596% | 1,448 |
| Equity capital to assets | 10.2544% | 3,466 |
| Core capital (leverage) ratio | 10.3682% | 2,743 |
| Tier 1 risk-based capital ratio | 17.4926% | 2,299 |
| Total risk-based capital ratio | 18.2417% | 2,452 |
| Memoranda: | ||
| Average total assets | $168,701,000 | 3,574 |
| Average earning assets | $154,911,000 | 3,564 |
| Average equity | $17,460,000 | 3,500 |
| Average total loans | $111,059,000 | 3,462 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9236% | 7,184 |
| Cost of funding earning assets | 1.2833% | 3,992 |
| Net interest margin | 2.6403% | 7,179 |
| Noninterest income to average assets | 0.1976% | 6,362 |
| Noninterest expense to average assets | 1.7060% | 7,346 |
| Loan and lease loss provision to assets | 0.0972% | 6,174 |
| Net operating income to assets | 0.5315% | 3,960 |
| Return on assets (ROA) | 0.5315% | 4,114 |
| Pretax return on assets | 0.7989% | 3,637 |
| Return on Equity (ROE) | 4.8730% | 4,122 |
| Retained earnings to average equity (ytd only) | 4.8730% | 2,495 |
| Net charge-offs to loans | 0.0146% | 6,681 |
| Credit loss provision to net charge-offs | 993.3333% | 226 |
| Earnings coverage of net charge-offs (x) | 91.6000% | 261 |
| Efficiency ratio | 65.5639% | 5,053 |
| Assets per employee ($millions) | 8.2670% | 435 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3976% | 7,424 |
| Loan loss allowance to noncurrent loans | 462.1053% | 691 |
| Noncurrent assets plus other real estate owned to assets | 0.2268% | 6,664 |
| Noncurrent loans to loans | 0.0861% | 6,918 |
| Net loans and leases to total assets | 66.5054% | 3,354 |
| Net loans and leases to deposits | 74.4835% | 4,118 |
| Net loans and leases to core deposits | 78.1221% | 4,451 |
| Total domestic deposits to total assets | 89.2887% | 1,499 |
| Equity capital to assets | 10.4488% | 3,216 |
| Core capital (leverage) ratio | 10.6941% | 2,383 |
| Tier 1 risk-based capital ratio | 18.5776% | 1,822 |
| Total risk-based capital ratio | 19.2665% | 1,953 |
| Memoranda: | ||
| Average total assets | $153,336,800 | 3,819 |
| Average earning assets | $139,641,400 | 3,826 |
| Average equity | $16,724,800 | 3,641 |
| Average total loans | $103,087,000 | 3,706 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9039% | 7,337 |
| Cost of funding earning assets | 1.3104% | 4,151 |
| Net interest margin | 2.5935% | 7,319 |
| Noninterest income to average assets | 0.1809% | 6,584 |
| Noninterest expense to average assets | 1.7401% | 7,398 |
| Loan and lease loss provision to assets | 0.1011% | 6,009 |
| Net operating income to assets | 0.4727% | 4,430 |
| Return on assets (ROA) | 0.4727% | 4,628 |
| Pretax return on assets | 0.6971% | 4,235 |
| Return on Equity (ROE) | 4.2844% | 4,652 |
| Retained earnings to average equity (ytd only) | 4.2844% | 3,477 |
| Net charge-offs to loans | 0.0184% | 6,417 |
| Credit loss provision to net charge-offs | 814.2857% | 367 |
| Earnings coverage of net charge-offs (x) | 64.2726% | 466 |
| Efficiency ratio | 68.5535% | 4,364 |
| Assets per employee ($millions) | 7.7754% | 551 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3748% | 7,551 |
| Loan loss allowance to noncurrent loans | 1,157.1429% | 322 |
| Noncurrent assets plus other real estate owned to assets | 0.2026% | 6,857 |
| Noncurrent loans to loans | 0.0324% | 7,169 |
| Net loans and leases to total assets | 69.2247% | 2,925 |
| Net loans and leases to deposits | 78.0157% | 3,825 |
| Net loans and leases to core deposits | 81.6254% | 4,296 |
| Total domestic deposits to total assets | 88.7318% | 1,542 |
| Equity capital to assets | 10.9769% | 2,985 |
| Core capital (leverage) ratio | 11.1472% | 2,163 |
| Tier 1 risk-based capital ratio | 18.6894% | 1,824 |
| Total risk-based capital ratio | 19.3063% | 1,973 |
| Memoranda: | ||
| Average total assets | $150,336,000 | 3,920 |
| Average earning assets | $136,645,500 | 3,925 |
| Average equity | $16,587,000 | 3,708 |
| Average total loans | $101,259,000 | 3,827 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8712% | 7,448 |
| Cost of funding earning assets | 1.3626% | 4,102 |
| Net interest margin | 2.5086% | 7,415 |
| Noninterest income to average assets | 0.1911% | 6,531 |
| Noninterest expense to average assets | 1.7145% | 7,493 |
| Loan and lease loss provision to assets | 0.0942% | 5,969 |
| Net operating income to assets | 0.4535% | 4,537 |
| Return on assets (ROA) | 0.4535% | 4,696 |
| Pretax return on assets | 0.6594% | 4,369 |
| Return on Equity (ROE) | 4.1033% | 4,735 |
| Retained earnings to average equity (ytd only) | 4.1033% | 3,466 |
| Net charge-offs to loans | 0.0000% | 6,371 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4656% | 4,283 |
| Assets per employee ($millions) | 7.5408% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3651% | 7,622 |
| Loan loss allowance to noncurrent loans | 206.0440% | 1,368 |
| Noncurrent assets plus other real estate owned to assets | 0.2566% | 6,759 |
| Noncurrent loans to loans | 0.1772% | 6,897 |
| Net loans and leases to total assets | 67.8535% | 3,402 |
| Net loans and leases to deposits | 76.3516% | 4,267 |
| Net loans and leases to core deposits | 79.9866% | 4,695 |
| Total domestic deposits to total assets | 88.8699% | 1,509 |
| Equity capital to assets | 10.9577% | 2,907 |
| Core capital (leverage) ratio | 11.0004% | 2,246 |
| Tier 1 risk-based capital ratio | 19.5838% | 1,585 |
| Total risk-based capital ratio | 20.0363% | 1,739 |
| Memoranda: | ||
| Average total assets | $148,612,000 | 3,976 |
| Average earning assets | $134,893,330 | 4,005 |
| Average equity | $16,426,000 | 3,731 |
| Average total loans | $98,993,670 | 3,930 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8359% | 7,566 |
| Cost of funding earning assets | 1.4175% | 4,064 |
| Net interest margin | 2.4184% | 7,519 |
| Noninterest income to average assets | 0.1790% | 6,679 |
| Noninterest expense to average assets | 1.6406% | 7,627 |
| Loan and lease loss provision to assets | 0.0868% | 5,770 |
| Net operating income to assets | 0.4420% | 4,653 |
| Return on assets (ROA) | 0.4420% | 4,782 |
| Pretax return on assets | 0.6400% | 4,450 |
| Return on Equity (ROE) | 3.9814% | 4,903 |
| Retained earnings to average equity (ytd only) | 3.9814% | 3,759 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3013% | 4,445 |
| Assets per employee ($millions) | 7.5135% | 643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3409% | 7,729 |
| Loan loss allowance to noncurrent loans | 561.6667% | 574 |
| Noncurrent assets plus other real estate owned to assets | 0.1763% | 7,037 |
| Noncurrent loans to loans | 0.0607% | 7,248 |
| Net loans and leases to total assets | 65.5580% | 3,971 |
| Net loans and leases to deposits | 73.7734% | 4,784 |
| Net loans and leases to core deposits | 77.3271% | 5,103 |
| Total domestic deposits to total assets | 88.8640% | 1,590 |
| Equity capital to assets | 11.0062% | 2,755 |
| Core capital (leverage) ratio | 11.2987% | 2,033 |
| Tier 1 risk-based capital ratio | 20.1275% | 1,500 |
| Total risk-based capital ratio | 20.6954% | 1,606 |
| Memoranda: | ||
| Average total assets | $147,510,000 | 4,050 |
| Average earning assets | $133,474,500 | 4,089 |
| Average equity | $16,376,000 | 3,768 |
| Average total loans | $97,136,000 | 4,046 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1385% | 7,636 |
| Cost of funding earning assets | 1.8471% | 3,750 |
| Net interest margin | 2.2914% | 7,602 |
| Noninterest income to average assets | 0.2288% | 6,475 |
| Noninterest expense to average assets | 1.8685% | 7,548 |
| Loan and lease loss provision to assets | 0.0245% | 7,265 |
| Net operating income to assets | 0.2950% | 4,551 |
| Return on assets (ROA) | 0.2950% | 4,632 |
| Pretax return on assets | 0.3893% | 4,526 |
| Return on Equity (ROE) | 2.5389% | 4,694 |
| Retained earnings to average equity (ytd only) | 2.5389% | 3,373 |
| Net charge-offs to loans | 0.0177% | 6,972 |
| Credit loss provision to net charge-offs | 206.2500% | 1,862 |
| Earnings coverage of net charge-offs (x) | 34.8125% | 676 |
| Efficiency ratio | 81.8685% | 2,619 |
| Assets per employee ($millions) | 7.6184% | 598 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3196% | 7,817 |
| Loan loss allowance to noncurrent loans | 98.3871% | 2,847 |
| Noncurrent assets plus other real estate owned to assets | 0.3558% | 6,554 |
| Noncurrent loans to loans | 0.3249% | 6,629 |
| Net loans and leases to total assets | 65.7105% | 4,232 |
| Net loans and leases to deposits | 74.0837% | 5,026 |
| Net loans and leases to core deposits | 91.7993% | 4,914 |
| Total domestic deposits to total assets | 88.6978% | 1,627 |
| Equity capital to assets | 11.2007% | 2,531 |
| Core capital (leverage) ratio | 11.4897% | 1,918 |
| Tier 1 risk-based capital ratio | 20.5306% | 1,370 |
| Total risk-based capital ratio | 21.0022% | 1,470 |
| Memoranda: | ||
| Average total assets | $134,597,600 | 4,248 |
| Average earning assets | $120,623,800 | 4,298 |
| Average equity | $15,636,800 | 3,940 |
| Average total loans | $90,399,800 | 4,201 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2221% | 7,710 |
| Cost of funding earning assets | 1.9294% | 3,727 |
| Net interest margin | 2.2927% | 7,652 |
| Noninterest income to average assets | 0.2312% | 6,573 |
| Noninterest expense to average assets | 1.9122% | 7,527 |
| Loan and lease loss provision to assets | 0.0273% | 7,079 |
| Net operating income to assets | 0.2645% | 4,933 |
| Return on assets (ROA) | 0.2645% | 5,031 |
| Pretax return on assets | 0.3433% | 4,948 |
| Return on Equity (ROE) | 2.2547% | 5,077 |
| Retained earnings to average equity (ytd only) | 2.2547% | 4,068 |
| Net charge-offs to loans | 0.0239% | 6,551 |
| Credit loss provision to net charge-offs | 168.7500% | 2,771 |
| Earnings coverage of net charge-offs (x) | 22.9405% | 1,139 |
| Efficiency ratio | 83.7682% | 2,321 |
| Assets per employee ($millions) | 7.0231% | 788 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3274% | 7,887 |
| Loan loss allowance to noncurrent loans | 415.2778% | 754 |
| Noncurrent assets plus other real estate owned to assets | 0.1972% | 7,035 |
| Noncurrent loans to loans | 0.0788% | 7,296 |
| Net loans and leases to total assets | 64.8137% | 4,696 |
| Net loans and leases to deposits | 73.2335% | 5,477 |
| Net loans and leases to core deposits | 91.4468% | 5,288 |
| Total domestic deposits to total assets | 88.5029% | 1,434 |
| Equity capital to assets | 11.3818% | 2,685 |
| Core capital (leverage) ratio | 11.6444% | 1,995 |
| Tier 1 risk-based capital ratio | 20.9107% | 1,376 |
| Total risk-based capital ratio | 21.3264% | 1,492 |
| Memoranda: | ||
| Average total assets | $132,059,500 | 4,320 |
| Average earning assets | $118,169,250 | 4,382 |
| Average equity | $15,492,750 | 4,006 |
| Average total loans | $89,144,500 | 4,272 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3616% | 7,744 |
| Cost of funding earning assets | 1.9855% | 3,846 |
| Net interest margin | 2.3761% | 7,597 |
| Noninterest income to average assets | 0.2336% | 6,607 |
| Noninterest expense to average assets | 2.0532% | 7,369 |
| Loan and lease loss provision to assets | 0.0418% | 6,815 |
| Net operating income to assets | 0.2135% | 5,212 |
| Return on assets (ROA) | 0.2135% | 5,292 |
| Pretax return on assets | 0.2661% | 5,282 |
| Return on Equity (ROE) | 1.8006% | 5,374 |
| Retained earnings to average equity (ytd only) | 1.8006% | 4,341 |
| Net charge-offs to loans | 0.0362% | 5,954 |
| Credit loss provision to net charge-offs | 168.7500% | 2,728 |
| Earnings coverage of net charge-offs (x) | 12.4375% | 1,818 |
| Efficiency ratio | 86.9594% | 2,125 |
| Assets per employee ($millions) | 6.8173% | 840 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3341% | 7,964 |
| Loan loss allowance to noncurrent loans | 88.2006% | 3,228 |
| Noncurrent assets plus other real estate owned to assets | 0.3990% | 6,465 |
| Noncurrent loans to loans | 0.3788% | 6,562 |
| Net loans and leases to total assets | 65.4105% | 4,680 |
| Net loans and leases to deposits | 73.9380% | 5,462 |
| Net loans and leases to core deposits | 91.8835% | 5,361 |
| Total domestic deposits to total assets | 88.4668% | 1,542 |
| Equity capital to assets | 11.4130% | 2,592 |
| Core capital (leverage) ratio | 12.2399% | 1,725 |
| Tier 1 risk-based capital ratio | 20.6153% | 1,458 |
| Total risk-based capital ratio | 21.0028% | 1,582 |
| Memoranda: | ||
| Average total assets | $129,259,000 | 4,407 |
| Average earning assets | $115,736,330 | 4,468 |
| Average equity | $15,328,000 | 4,062 |
| Average total loans | $88,413,670 | 4,317 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4901% | 7,726 |
| Cost of funding earning assets | 2.0797% | 3,740 |
| Net interest margin | 2.4104% | 7,602 |
| Noninterest income to average assets | 0.2323% | 6,608 |
| Noninterest expense to average assets | 1.8804% | 7,583 |
| Loan and lease loss provision to assets | 0.0477% | 6,374 |
| Net operating income to assets | 0.3468% | 5,084 |
| Return on assets (ROA) | 0.3468% | 5,269 |
| Pretax return on assets | 0.4614% | 5,204 |
| Return on Equity (ROE) | 2.8663% | 5,418 |
| Retained earnings to average equity (ytd only) | 2.8663% | 4,276 |
| Net charge-offs to loans | 0.1366% | 3,867 |
| Credit loss provision to net charge-offs | 50.0000% | 4,676 |
| Earnings coverage of net charge-offs (x) | 5.3333% | 2,690 |
| Efficiency ratio | 78.6951% | 3,048 |
| Assets per employee ($millions) | 6.4782% | 973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3065% | 8,025 |
| Loan loss allowance to noncurrent loans | 76.4706% | 3,813 |
| Noncurrent assets plus other real estate owned to assets | 0.4338% | 6,202 |
| Noncurrent loans to loans | 0.4008% | 6,413 |
| Net loans and leases to total assets | 68.5329% | 4,010 |
| Net loans and leases to deposits | 77.5778% | 4,993 |
| Net loans and leases to core deposits | 93.3740% | 5,219 |
| Total domestic deposits to total assets | 88.3409% | 1,557 |
| Equity capital to assets | 11.6221% | 2,503 |
| Core capital (leverage) ratio | 12.6413% | 1,629 |
| Tier 1 risk-based capital ratio | 20.3576% | 1,555 |
| Total risk-based capital ratio | 20.7134% | 1,672 |
| Memoranda: | ||
| Average total assets | $125,716,000 | 4,504 |
| Average earning assets | $112,514,000 | 4,573 |
| Average equity | $15,211,500 | 4,103 |
| Average total loans | $87,879,000 | 4,363 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9592% | 7,865 |
| Cost of funding earning assets | 2.5050% | 4,182 |
| Net interest margin | 2.4542% | 7,802 |
| Noninterest income to average assets | 0.2446% | 6,694 |
| Noninterest expense to average assets | 1.9152% | 7,589 |
| Loan and lease loss provision to assets | 0.1057% | 6,020 |
| Net operating income to assets | 0.3369% | 5,412 |
| Return on assets (ROA) | 0.3369% | 5,233 |
| Pretax return on assets | 0.4360% | 5,168 |
| Return on Equity (ROE) | 2.6007% | 5,383 |
| Retained earnings to average equity (ytd only) | 2.6007% | 3,571 |
| Net charge-offs to loans | 0.3583% | 3,041 |
| Credit loss provision to net charge-offs | 42.0530% | 6,433 |
| Earnings coverage of net charge-offs (x) | 2.1556% | 4,997 |
| Efficiency ratio | 77.9546% | 2,924 |
| Assets per employee ($millions) | 6.0934% | 1,089 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.3322% | 8,060 |
| Loan loss allowance to noncurrent loans | 160.0000% | 2,334 |
| Noncurrent assets plus other real estate owned to assets | 0.3159% | 6,342 |
| Noncurrent loans to loans | 0.2076% | 6,765 |
| Net loans and leases to total assets | 70.8988% | 3,814 |
| Net loans and leases to deposits | 81.1715% | 4,845 |
| Net loans and leases to core deposits | 97.2492% | 5,123 |
| Total domestic deposits to total assets | 87.3445% | 1,778 |
| Equity capital to assets | 12.6079% | 1,964 |
| Core capital (leverage) ratio | 13.1250% | 1,513 |
| Tier 1 risk-based capital ratio | 21.8385% | 1,337 |
| Total risk-based capital ratio | 22.2381% | 1,426 |
| Memoranda: | ||
| Average total assets | $120,197,200 | 4,513 |
| Average earning assets | $108,344,800 | 4,552 |
| Average equity | $15,572,600 | 4,009 |
| Average total loans | $84,297,400 | 4,391 |