Home > MidCoast Community Bank > Performance and Condition Ratios
MidCoast Community 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 | 4.3351% | 2,807 |
| Cost of funding earning assets | 1.4876% | 288 |
| Net interest margin | 2.8475% | 4,505 |
| Noninterest income to average assets | 0.1029% | 4,814 |
| Noninterest expense to average assets | 2.2261% | 3,942 |
| Loan and lease loss provision to assets | 0.0000% | 3,711 |
| Net operating income to assets | 0.4834% | 3,936 |
| Return on assets (ROA) | 0.4834% | 3,990 |
| Pretax return on assets | 0.6043% | 3,911 |
| Return on Equity (ROE) | 4.7231% | 3,733 |
| Retained earnings to average equity (ytd only) | 4.7231% | 2,404 |
| Net charge-offs to loans | 0.0069% | 2,324 |
| Credit loss provision to net charge-offs | 0.0000% | 2,252 |
| Earnings coverage of net charge-offs (x) | 101.2500% | 577 |
| Efficiency ratio | 78.6505% | 1,268 |
| Assets per employee ($millions) | 6.7551% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8786% | 4,190 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,662 |
| Noncurrent loans to loans | 0.0000% | 4,593 |
| Net loans and leases to total assets | 84.8791% | 212 |
| Net loans and leases to deposits | 108.1387% | 226 |
| Net loans and leases to core deposits | 133.2779% | 231 |
| Total domestic deposits to total assets | 78.4910% | 4,135 |
| Equity capital to assets | 10.2493% | 3,557 |
| Core capital (leverage) ratio | 10.0649% | 3,385 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6323% | 2,875 |
| Memoranda: | ||
| Average total assets | $268,093,000 | 2,378 |
| Average earning assets | $256,785,500 | 2,340 |
| Average equity | $27,439,500 | 2,609 |
| Average total loans | $231,716,000 | 1,979 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5929% | 2,643 |
| Cost of funding earning assets | 1.6006% | 301 |
| Net interest margin | 2.9923% | 4,523 |
| Noninterest income to average assets | 0.0953% | 4,940 |
| Noninterest expense to average assets | 2.3793% | 3,735 |
| Loan and lease loss provision to assets | 0.1403% | 1,520 |
| Net operating income to assets | 0.3511% | 4,676 |
| Return on assets (ROA) | 0.3698% | 4,681 |
| Pretax return on assets | 0.4559% | 4,635 |
| Return on Equity (ROE) | 3.6134% | 4,550 |
| Retained earnings to average equity (ytd only) | 3.6134% | 3,191 |
| Net charge-offs to loans | 0.2431% | 845 |
| Credit loss provision to net charge-offs | 66.9725% | 2,949 |
| Earnings coverage of net charge-offs (x) | 2.7358% | 3,382 |
| Efficiency ratio | 80.5885% | 898 |
| Assets per employee ($millions) | 6.6496% | 1,210 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8778% | 4,057 |
| Loan loss allowance to noncurrent loans | 7,024.1379% | 111 |
| Noncurrent assets plus other real estate owned to assets | 0.0109% | 4,611 |
| Noncurrent loans to loans | 0.0125% | 4,535 |
| Net loans and leases to total assets | 86.4777% | 141 |
| Net loans and leases to deposits | 106.9106% | 262 |
| Net loans and leases to core deposits | 132.7087% | 244 |
| Total domestic deposits to total assets | 80.8879% | 3,795 |
| Equity capital to assets | 10.2206% | 3,712 |
| Core capital (leverage) ratio | 9.9108% | 3,610 |
| Tier 1 risk-based capital ratio | 11.4944% | 4,633 |
| Total risk-based capital ratio | 12.3848% | 4,695 |
| Memoranda: | ||
| Average total assets | $260,159,400 | 2,394 |
| Average earning assets | $248,406,600 | 2,347 |
| Average equity | $26,622,800 | 2,583 |
| Average total loans | $224,144,400 | 2,001 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6140% | 2,677 |
| Cost of funding earning assets | 1.5893% | 317 |
| Net interest margin | 3.0246% | 4,593 |
| Noninterest income to average assets | 0.0959% | 5,005 |
| Noninterest expense to average assets | 2.3331% | 3,867 |
| Loan and lease loss provision to assets | 0.1881% | 957 |
| Net operating income to assets | 0.3695% | 4,772 |
| Return on assets (ROA) | 0.3695% | 4,793 |
| Pretax return on assets | 0.4602% | 4,743 |
| Return on Equity (ROE) | 3.6099% | 4,651 |
| Retained earnings to average equity (ytd only) | 3.6099% | 3,597 |
| Net charge-offs to loans | 0.2887% | 612 |
| Credit loss provision to net charge-offs | 75.8836% | 2,555 |
| Earnings coverage of net charge-offs (x) | 2.6154% | 3,182 |
| Efficiency ratio | 78.2541% | 1,075 |
| Assets per employee ($millions) | 6.6399% | 1,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9179% | 3,973 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 4,789 |
| Noncurrent loans to loans | 0.0000% | 4,706 |
| Net loans and leases to total assets | 85.3912% | 231 |
| Net loans and leases to deposits | 105.9929% | 323 |
| Net loans and leases to core deposits | 131.4283% | 276 |
| Total domestic deposits to total assets | 80.5632% | 3,855 |
| Equity capital to assets | 10.1640% | 3,857 |
| Core capital (leverage) ratio | 9.8689% | 3,767 |
| Tier 1 risk-based capital ratio | 11.4134% | 4,717 |
| Total risk-based capital ratio | 12.3300% | 4,764 |
| Memoranda: | ||
| Average total assets | $258,703,500 | 2,423 |
| Average earning assets | $246,810,500 | 2,371 |
| Average equity | $26,482,250 | 2,607 |
| Average total loans | $222,167,250 | 2,026 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5696% | 2,772 |
| Cost of funding earning assets | 1.5344% | 340 |
| Net interest margin | 3.0353% | 4,626 |
| Noninterest income to average assets | 0.0944% | 5,061 |
| Noninterest expense to average assets | 2.3283% | 3,936 |
| Loan and lease loss provision to assets | 0.2847% | 506 |
| Net operating income to assets | 0.3042% | 4,870 |
| Return on assets (ROA) | 0.3042% | 4,879 |
| Pretax return on assets | 0.3775% | 4,854 |
| Return on Equity (ROE) | 2.9645% | 4,796 |
| Retained earnings to average equity (ytd only) | 2.9645% | 3,731 |
| Net charge-offs to loans | 0.4392% | 374 |
| Credit loss provision to net charge-offs | 75.5694% | 2,267 |
| Earnings coverage of net charge-offs (x) | 1.7578% | 2,995 |
| Efficiency ratio | 77.8560% | 1,171 |
| Assets per employee ($millions) | 6.7047% | 1,134 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9089% | 4,051 |
| Loan loss allowance to noncurrent loans | 466.4444% | 1,069 |
| Noncurrent assets plus other real estate owned to assets | 0.1678% | 3,929 |
| Noncurrent loans to loans | 0.1949% | 3,854 |
| Net loans and leases to total assets | 85.3263% | 264 |
| Net loans and leases to deposits | 107.4529% | 291 |
| Net loans and leases to core deposits | 131.5378% | 297 |
| Total domestic deposits to total assets | 79.4081% | 4,146 |
| Equity capital to assets | 9.9192% | 4,039 |
| Core capital (leverage) ratio | 9.7325% | 3,898 |
| Tier 1 risk-based capital ratio | 11.0870% | 4,872 |
| Total risk-based capital ratio | 11.9907% | 4,937 |
| Memoranda: | ||
| Average total assets | $256,406,670 | 2,445 |
| Average earning assets | $244,658,000 | 2,395 |
| Average equity | $26,311,330 | 2,613 |
| Average total loans | $219,924,670 | 2,048 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4940% | 2,889 |
| Cost of funding earning assets | 1.4422% | 394 |
| Net interest margin | 3.0518% | 4,667 |
| Noninterest income to average assets | 0.0846% | 5,133 |
| Noninterest expense to average assets | 2.3248% | 3,956 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5381% | 4,414 |
| Return on assets (ROA) | 0.5381% | 4,441 |
| Pretax return on assets | 0.6722% | 4,368 |
| Return on Equity (ROE) | 5.1517% | 4,282 |
| Retained earnings to average equity (ytd only) | 5.1517% | 2,842 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.5706% | 1,316 |
| Assets per employee ($millions) | 6.6502% | 1,169 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0049% | 3,666 |
| Loan loss allowance to noncurrent loans | 237.3662% | 1,904 |
| Noncurrent assets plus other real estate owned to assets | 0.3601% | 3,157 |
| Noncurrent loans to loans | 0.4234% | 3,074 |
| Net loans and leases to total assets | 84.2086% | 351 |
| Net loans and leases to deposits | 102.9999% | 446 |
| Net loans and leases to core deposits | 124.3261% | 416 |
| Total domestic deposits to total assets | 81.7560% | 3,790 |
| Equity capital to assets | 10.1999% | 3,619 |
| Core capital (leverage) ratio | 10.3471% | 3,225 |
| Tier 1 risk-based capital ratio | 11.5602% | 4,716 |
| Total risk-based capital ratio | 12.5603% | 4,746 |
| Memoranda: | ||
| Average total assets | $250,516,000 | 2,508 |
| Average earning assets | $239,075,000 | 2,460 |
| Average equity | $26,166,000 | 2,625 |
| Average total loans | $214,420,000 | 2,098 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3401% | 2,964 |
| Cost of funding earning assets | 1.1389% | 435 |
| Net interest margin | 3.2013% | 4,480 |
| Noninterest income to average assets | 0.0619% | 5,243 |
| Noninterest expense to average assets | 2.4694% | 3,697 |
| Loan and lease loss provision to assets | -0.0043% | 5,085 |
| Net operating income to assets | 1.1291% | 2,481 |
| Return on assets (ROA) | 1.1291% | 2,480 |
| Pretax return on assets | 0.6614% | 4,510 |
| Return on Equity (ROE) | 10.9620% | 2,096 |
| Retained earnings to average equity (ytd only) | 10.9620% | 448 |
| Net charge-offs to loans | 0.0900% | 1,881 |
| Credit loss provision to net charge-offs | -5.5249% | 4,254 |
| Earnings coverage of net charge-offs (x) | 8.5083% | 2,893 |
| Efficiency ratio | 78.9818% | 1,040 |
| Assets per employee ($millions) | 6.1968% | 1,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0647% | 3,298 |
| Loan loss allowance to noncurrent loans | 231.1783% | 2,012 |
| Noncurrent assets plus other real estate owned to assets | 0.3968% | 2,968 |
| Noncurrent loans to loans | 0.4606% | 2,891 |
| Net loans and leases to total assets | 85.2406% | 295 |
| Net loans and leases to deposits | 105.9582% | 372 |
| Net loans and leases to core deposits | 123.7467% | 449 |
| Total domestic deposits to total assets | 80.4474% | 4,006 |
| Equity capital to assets | 10.7077% | 2,974 |
| Core capital (leverage) ratio | 10.6131% | 2,921 |
| Tier 1 risk-based capital ratio | 12.1009% | 4,362 |
| Total risk-based capital ratio | 13.1646% | 4,371 |
| Memoranda: | ||
| Average total assets | $234,345,000 | 2,582 |
| Average earning assets | $224,347,600 | 2,527 |
| Average equity | $24,138,000 | 2,711 |
| Average total loans | $201,205,800 | 2,166 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2800% | 3,036 |
| Cost of funding earning assets | 1.0767% | 435 |
| Net interest margin | 3.2032% | 4,505 |
| Noninterest income to average assets | 0.0745% | 5,284 |
| Noninterest expense to average assets | 2.5059% | 3,578 |
| Loan and lease loss provision to assets | -0.0057% | 5,200 |
| Net operating income to assets | 0.6434% | 4,385 |
| Return on assets (ROA) | 0.6434% | 4,394 |
| Pretax return on assets | 0.6434% | 4,648 |
| Return on Equity (ROE) | 6.3113% | 4,167 |
| Retained earnings to average equity (ytd only) | 6.3113% | 2,485 |
| Net charge-offs to loans | 0.1457% | 1,131 |
| Credit loss provision to net charge-offs | -4.5872% | 4,066 |
| Earnings coverage of net charge-offs (x) | 5.1009% | 2,988 |
| Efficiency ratio | 79.7154% | 971 |
| Assets per employee ($millions) | 6.0308% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0921% | 3,236 |
| Loan loss allowance to noncurrent loans | 185.5319% | 2,361 |
| Noncurrent assets plus other real estate owned to assets | 0.4996% | 2,700 |
| Noncurrent loans to loans | 0.5886% | 2,614 |
| Net loans and leases to total assets | 83.9423% | 461 |
| Net loans and leases to deposits | 103.7635% | 562 |
| Net loans and leases to core deposits | 121.0056% | 547 |
| Total domestic deposits to total assets | 80.8977% | 3,896 |
| Equity capital to assets | 10.2495% | 3,403 |
| Core capital (leverage) ratio | 10.6381% | 2,946 |
| Tier 1 risk-based capital ratio | 12.1692% | 4,396 |
| Total risk-based capital ratio | 13.2468% | 4,389 |
| Memoranda: | ||
| Average total assets | $232,512,250 | 2,606 |
| Average earning assets | $222,769,500 | 2,553 |
| Average equity | $23,703,000 | 2,768 |
| Average total loans | $199,451,500 | 2,191 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2492% | 2,950 |
| Cost of funding earning assets | 1.0377% | 390 |
| Net interest margin | 3.2114% | 4,471 |
| Noninterest income to average assets | 0.0898% | 5,297 |
| Noninterest expense to average assets | 2.5249% | 3,568 |
| Loan and lease loss provision to assets | -0.0086% | 5,299 |
| Net operating income to assets | 0.6519% | 4,340 |
| Return on assets (ROA) | 0.6519% | 4,349 |
| Pretax return on assets | 0.6519% | 4,635 |
| Return on Equity (ROE) | 6.4069% | 4,098 |
| Retained earnings to average equity (ytd only) | 6.4069% | 2,358 |
| Net charge-offs to loans | 0.2187% | 728 |
| Credit loss provision to net charge-offs | -4.5872% | 3,920 |
| Earnings coverage of net charge-offs (x) | 3.4174% | 2,878 |
| Efficiency ratio | 79.6947% | 1,045 |
| Assets per employee ($millions) | 6.0135% | 1,454 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0812% | 3,378 |
| Loan loss allowance to noncurrent loans | 180.3143% | 2,444 |
| Noncurrent assets plus other real estate owned to assets | 0.5155% | 2,695 |
| Noncurrent loans to loans | 0.5996% | 2,621 |
| Net loans and leases to total assets | 85.0410% | 349 |
| Net loans and leases to deposits | 102.0586% | 656 |
| Net loans and leases to core deposits | 119.0888% | 584 |
| Total domestic deposits to total assets | 83.3256% | 3,317 |
| Equity capital to assets | 10.1639% | 3,471 |
| Core capital (leverage) ratio | 10.3624% | 3,170 |
| Tier 1 risk-based capital ratio | 12.0769% | 4,456 |
| Total risk-based capital ratio | 13.1625% | 4,431 |
| Memoranda: | ||
| Average total assets | $231,615,670 | 2,624 |
| Average earning assets | $222,019,670 | 2,572 |
| Average equity | $23,568,330 | 2,792 |
| Average total loans | $199,397,330 | 2,194 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1678% | 3,002 |
| Cost of funding earning assets | 0.9903% | 383 |
| Net interest margin | 3.1776% | 4,538 |
| Noninterest income to average assets | 0.0660% | 5,438 |
| Noninterest expense to average assets | 2.6017% | 3,330 |
| Loan and lease loss provision to assets | -0.1043% | 5,511 |
| Net operating income to assets | 0.6135% | 4,383 |
| Return on assets (ROA) | 0.6135% | 4,391 |
| Pretax return on assets | 0.6135% | 4,656 |
| Return on Equity (ROE) | 6.0254% | 4,147 |
| Retained earnings to average equity (ytd only) | 6.0254% | 2,699 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6313% | 828 |
| Assets per employee ($millions) | 5.9287% | 1,576 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1778% | 2,951 |
| Loan loss allowance to noncurrent loans | 143.9608% | 2,820 |
| Noncurrent assets plus other real estate owned to assets | 0.7530% | 2,065 |
| Noncurrent loans to loans | 0.8182% | 2,181 |
| Net loans and leases to total assets | 85.1998% | 323 |
| Net loans and leases to deposits | 102.3478% | 562 |
| Net loans and leases to core deposits | 119.7963% | 592 |
| Total domestic deposits to total assets | 83.2454% | 3,594 |
| Equity capital to assets | 10.1643% | 3,433 |
| Core capital (leverage) ratio | 10.3773% | 3,085 |
| Tier 1 risk-based capital ratio | 12.0120% | 4,538 |
| Total risk-based capital ratio | 13.1947% | 4,476 |
| Memoranda: | ||
| Average total assets | $230,160,000 | 2,663 |
| Average earning assets | $220,546,500 | 2,607 |
| Average equity | $23,434,000 | 2,821 |
| Average total loans | $198,284,000 | 2,206 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0812% | 3,123 |
| Cost of funding earning assets | 0.8396% | 506 |
| Net interest margin | 3.2416% | 4,330 |
| Noninterest income to average assets | 0.0355% | 5,561 |
| Noninterest expense to average assets | 2.7128% | 3,088 |
| Loan and lease loss provision to assets | 0.1445% | 1,574 |
| Net operating income to assets | 0.2682% | 4,990 |
| Return on assets (ROA) | 0.2682% | 5,005 |
| Pretax return on assets | 0.2682% | 5,247 |
| Return on Equity (ROE) | 2.8845% | 4,864 |
| Retained earnings to average equity (ytd only) | 2.8845% | 3,584 |
| Net charge-offs to loans | -0.0099% | 4,788 |
| Credit loss provision to net charge-offs | -1,694.4444% | 5,140 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.7950% | 594 |
| Assets per employee ($millions) | 5.8744% | 1,605 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2210% | 2,657 |
| Loan loss allowance to noncurrent loans | 144.3645% | 2,873 |
| Noncurrent assets plus other real estate owned to assets | 0.7761% | 2,008 |
| Noncurrent loans to loans | 0.8458% | 2,104 |
| Net loans and leases to total assets | 85.0340% | 344 |
| Net loans and leases to deposits | 103.3705% | 525 |
| Net loans and leases to core deposits | 120.6048% | 566 |
| Total domestic deposits to total assets | 82.2615% | 3,795 |
| Equity capital to assets | 10.1990% | 3,491 |
| Core capital (leverage) ratio | 10.3572% | 3,008 |
| Tier 1 risk-based capital ratio | 11.9754% | 4,543 |
| Total risk-based capital ratio | 13.2027% | 4,446 |
| Memoranda: | ||
| Average total assets | $211,034,800 | 2,810 |
| Average earning assets | $201,168,400 | 2,758 |
| Average equity | $19,622,400 | 3,185 |
| Average total loans | $181,119,800 | 2,318 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0601% | 3,139 |
| Cost of funding earning assets | 0.7976% | 586 |
| Net interest margin | 3.2625% | 4,287 |
| Noninterest income to average assets | 0.0723% | 5,551 |
| Noninterest expense to average assets | 2.7522% | 2,891 |
| Loan and lease loss provision to assets | 0.1453% | 1,447 |
| Net operating income to assets | 0.2802% | 5,254 |
| Return on assets (ROA) | 0.2802% | 5,273 |
| Pretax return on assets | 0.2802% | 5,323 |
| Return on Equity (ROE) | 3.0966% | 5,085 |
| Retained earnings to average equity (ytd only) | 3.0966% | 4,066 |
| Net charge-offs to loans | -0.0136% | 4,731 |
| Credit loss provision to net charge-offs | -1,250.0000% | 4,984 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.6111% | 591 |
| Assets per employee ($millions) | 5.7522% | 1,684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2467% | 2,661 |
| Loan loss allowance to noncurrent loans | 136.8607% | 2,975 |
| Noncurrent assets plus other real estate owned to assets | 0.8578% | 2,004 |
| Noncurrent loans to loans | 0.9110% | 2,107 |
| Net loans and leases to total assets | 84.3599% | 402 |
| Net loans and leases to deposits | 107.0699% | 372 |
| Net loans and leases to core deposits | 124.8058% | 440 |
| Total domestic deposits to total assets | 78.7895% | 4,576 |
| Equity capital to assets | 10.5506% | 3,312 |
| Core capital (leverage) ratio | 10.9876% | 2,475 |
| Tier 1 risk-based capital ratio | 12.3524% | 4,406 |
| Total risk-based capital ratio | 13.5992% | 4,317 |
| Memoranda: | ||
| Average total assets | $206,518,500 | 2,879 |
| Average earning assets | $196,575,250 | 2,829 |
| Average equity | $18,686,500 | 3,305 |
| Average total loans | $177,094,500 | 2,372 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0484% | 3,014 |
| Cost of funding earning assets | 0.7947% | 540 |
| Net interest margin | 3.2537% | 4,252 |
| Noninterest income to average assets | 0.0751% | 5,584 |
| Noninterest expense to average assets | 2.9255% | 2,341 |
| Loan and lease loss provision to assets | 0.0988% | 2,041 |
| Net operating income to assets | 0.1482% | 5,452 |
| Return on assets (ROA) | 0.1482% | 5,453 |
| Pretax return on assets | 0.1482% | 5,470 |
| Return on Equity (ROE) | 1.7414% | 5,376 |
| Retained earnings to average equity (ytd only) | 1.7414% | 4,552 |
| Net charge-offs to loans | -0.0207% | 4,795 |
| Credit loss provision to net charge-offs | -555.5556% | 4,693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.2167% | 356 |
| Assets per employee ($millions) | 5.4909% | 1,878 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2485% | 2,696 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0856% | 4,852 |
| Noncurrent loans to loans | 0.0000% | 5,209 |
| Net loans and leases to total assets | 85.7710% | 289 |
| Net loans and leases to deposits | 107.8324% | 325 |
| Net loans and leases to core deposits | 119.1073% | 592 |
| Total domestic deposits to total assets | 79.5410% | 4,504 |
| Equity capital to assets | 9.4068% | 4,506 |
| Core capital (leverage) ratio | 9.4740% | 4,155 |
| Tier 1 risk-based capital ratio | 10.9845% | 5,257 |
| Total risk-based capital ratio | 12.2350% | 5,160 |
| Memoranda: | ||
| Average total assets | $202,496,330 | 2,937 |
| Average earning assets | $192,768,000 | 2,872 |
| Average equity | $17,228,000 | 3,508 |
| Average total loans | $173,884,000 | 2,404 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9772% | 3,121 |
| Cost of funding earning assets | 0.7934% | 507 |
| Net interest margin | 3.1838% | 4,393 |
| Noninterest income to average assets | 0.0712% | 5,672 |
| Noninterest expense to average assets | 2.9184% | 2,403 |
| Loan and lease loss provision to assets | 0.1385% | 1,374 |
| Net operating income to assets | 0.0475% | 5,572 |
| Return on assets (ROA) | 0.0475% | 5,578 |
| Pretax return on assets | 0.0475% | 5,572 |
| Return on Equity (ROE) | 0.5894% | 5,554 |
| Retained earnings to average equity (ytd only) | 0.5894% | 4,780 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.0089% | 385 |
| Assets per employee ($millions) | 5.3126% | 2,059 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2518% | 2,813 |
| Loan loss allowance to noncurrent loans | 443.4156% | 1,160 |
| Noncurrent assets plus other real estate owned to assets | 0.3269% | 3,891 |
| Noncurrent loans to loans | 0.2823% | 4,106 |
| Net loans and leases to total assets | 84.2083% | 345 |
| Net loans and leases to deposits | 98.2693% | 751 |
| Net loans and leases to core deposits | 111.3208% | 806 |
| Total domestic deposits to total assets | 85.6914% | 2,802 |
| Equity capital to assets | 8.0994% | 5,470 |
| Core capital (leverage) ratio | 8.2131% | 5,438 |
| Tier 1 risk-based capital ratio | 9.6893% | 5,755 |
| Total risk-based capital ratio | 10.9395% | 5,739 |
| Memoranda: | ||
| Average total assets | $202,163,500 | 2,970 |
| Average earning assets | $192,597,500 | 2,901 |
| Average equity | $16,286,500 | 3,626 |
| Average total loans | $172,597,500 | 2,431 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0445% | 3,047 |
| Cost of funding earning assets | 0.8335% | 423 |
| Net interest margin | 3.2110% | 4,416 |
| Noninterest income to average assets | 0.0635% | 5,743 |
| Noninterest expense to average assets | 3.1393% | 1,929 |
| Loan and lease loss provision to assets | -0.2059% | 5,787 |
| Net operating income to assets | 0.1741% | 5,459 |
| Return on assets (ROA) | 0.2223% | 5,440 |
| Pretax return on assets | 0.2274% | 5,464 |
| Return on Equity (ROE) | 2.5755% | 5,276 |
| Retained earnings to average equity (ytd only) | 2.5755% | 4,053 |
| Net charge-offs to loans | 0.1280% | 1,963 |
| Credit loss provision to net charge-offs | -191.4286% | 4,994 |
| Earnings coverage of net charge-offs (x) | -0.2571% | 4,147 |
| Efficiency ratio | 100.8887% | 211 |
| Assets per employee ($millions) | 5.3276% | 2,032 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2049% | 3,098 |
| Loan loss allowance to noncurrent loans | 284.8361% | 1,698 |
| Noncurrent assets plus other real estate owned to assets | 0.4599% | 3,418 |
| Noncurrent loans to loans | 0.4230% | 3,624 |
| Net loans and leases to total assets | 84.4445% | 346 |
| Net loans and leases to deposits | 99.5545% | 695 |
| Net loans and leases to core deposits | 114.7039% | 669 |
| Total domestic deposits to total assets | 84.8224% | 3,121 |
| Equity capital to assets | 8.1067% | 5,514 |
| Core capital (leverage) ratio | 8.3958% | 5,374 |
| Tier 1 risk-based capital ratio | 9.7408% | 5,791 |
| Total risk-based capital ratio | 10.9628% | 5,773 |
| Memoranda: | ||
| Average total assets | $195,267,800 | 3,007 |
| Average earning assets | $185,364,400 | 2,951 |
| Average equity | $16,851,000 | 3,568 |
| Average total loans | $164,116,600 | 2,473 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0767% | 2,962 |
| Cost of funding earning assets | 0.8426% | 397 |
| Net interest margin | 3.2340% | 4,390 |
| Noninterest income to average assets | 0.0848% | 5,758 |
| Noninterest expense to average assets | 3.2700% | 1,630 |
| Loan and lease loss provision to assets | -0.5120% | 5,945 |
| Net operating income to assets | 0.3949% | 5,033 |
| Return on assets (ROA) | 0.4610% | 4,912 |
| Pretax return on assets | 0.4610% | 5,210 |
| Return on Equity (ROE) | 5.2591% | 4,405 |
| Retained earnings to average equity (ytd only) | 5.2591% | 2,658 |
| Net charge-offs to loans | -0.1639% | 5,710 |
| Credit loss provision to net charge-offs | 373.3668% | 889 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.7158% | 182 |
| Assets per employee ($millions) | 5.1424% | 2,199 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2995% | 2,692 |
| Loan loss allowance to noncurrent loans | 243.2768% | 1,938 |
| Noncurrent assets plus other real estate owned to assets | 0.5419% | 3,294 |
| Noncurrent loans to loans | 0.5342% | 3,391 |
| Net loans and leases to total assets | 83.6837% | 440 |
| Net loans and leases to deposits | 94.6058% | 1,193 |
| Net loans and leases to core deposits | 108.7540% | 1,003 |
| Total domestic deposits to total assets | 88.4552% | 1,166 |
| Equity capital to assets | 8.7692% | 5,344 |
| Core capital (leverage) ratio | 8.6904% | 5,160 |
| Tier 1 risk-based capital ratio | 10.2624% | 5,712 |
| Total risk-based capital ratio | 11.5131% | 5,649 |
| Memoranda: | ||
| Average total assets | $193,472,500 | 3,036 |
| Average earning assets | $183,544,000 | 2,988 |
| Average equity | $16,960,750 | 3,584 |
| Average total loans | $161,885,250 | 2,502 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0991% | 2,860 |
| Cost of funding earning assets | 0.8538% | 370 |
| Net interest margin | 3.2452% | 4,395 |
| Noninterest income to average assets | 0.0861% | 5,822 |
| Noninterest expense to average assets | 2.8793% | 2,744 |
| Loan and lease loss provision to assets | -0.7706% | 6,037 |
| Net operating income to assets | 1.0445% | 2,208 |
| Return on assets (ROA) | 1.1440% | 1,913 |
| Pretax return on assets | 1.1440% | 3,016 |
| Return on Equity (ROE) | 13.0515% | 1,017 |
| Retained earnings to average equity (ytd only) | 13.0515% | 233 |
| Net charge-offs to loans | -0.2640% | 5,857 |
| Credit loss provision to net charge-offs | 350.4717% | 852 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.3158% | 529 |
| Assets per employee ($millions) | 5.4001% | 1,883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3157% | 2,700 |
| Loan loss allowance to noncurrent loans | 113.4031% | 3,446 |
| Noncurrent assets plus other real estate owned to assets | 1.0720% | 1,983 |
| Noncurrent loans to loans | 1.1602% | 1,979 |
| Net loans and leases to total assets | 83.5658% | 455 |
| Net loans and leases to deposits | 95.7567% | 1,104 |
| Net loans and leases to core deposits | 105.6205% | 1,208 |
| Total domestic deposits to total assets | 87.2688% | 1,770 |
| Equity capital to assets | 8.9833% | 5,249 |
| Core capital (leverage) ratio | 8.7655% | 5,096 |
| Tier 1 risk-based capital ratio | 10.3706% | 5,734 |
| Total risk-based capital ratio | 11.6213% | 5,650 |
| Memoranda: | ||
| Average total assets | $192,826,000 | 3,062 |
| Average earning assets | $182,235,670 | 3,016 |
| Average equity | $16,902,330 | 3,597 |
| Average total loans | $160,620,000 | 2,523 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0562% | 3,010 |
| Cost of funding earning assets | 0.8309% | 421 |
| Net interest margin | 3.2253% | 4,496 |
| Noninterest income to average assets | 0.0875% | 5,860 |
| Noninterest expense to average assets | 2.8682% | 2,821 |
| Loan and lease loss provision to assets | -1.5476% | 6,112 |
| Net operating income to assets | 1.8476% | 438 |
| Return on assets (ROA) | 1.8767% | 444 |
| Pretax return on assets | 1.8767% | 727 |
| Return on Equity (ROE) | 21.6828% | 172 |
| Retained earnings to average equity (ytd only) | 21.6828% | 69 |
| Net charge-offs to loans | -0.6002% | 6,011 |
| Credit loss provision to net charge-offs | 312.1849% | 827 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5325% | 639 |
| Assets per employee ($millions) | 5.5581% | 1,787 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3509% | 2,649 |
| Loan loss allowance to noncurrent loans | 356.4228% | 1,385 |
| Noncurrent assets plus other real estate owned to assets | 0.4056% | 3,970 |
| Noncurrent loans to loans | 0.3790% | 4,079 |
| Net loans and leases to total assets | 82.2819% | 525 |
| Net loans and leases to deposits | 96.0936% | 936 |
| Net loans and leases to core deposits | 106.5210% | 1,049 |
| Total domestic deposits to total assets | 85.6268% | 2,846 |
| Equity capital to assets | 8.8385% | 5,309 |
| Core capital (leverage) ratio | 8.9624% | 4,908 |
| Tier 1 risk-based capital ratio | 10.5293% | 5,739 |
| Total risk-based capital ratio | 11.7803% | 5,642 |
| Memoranda: | ||
| Average total assets | $192,036,500 | 3,077 |
| Average earning assets | $183,425,000 | 3,012 |
| Average equity | $16,621,500 | 3,640 |
| Average total loans | $158,619,000 | 2,545 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0342% | 3,174 |
| Cost of funding earning assets | 0.8522% | 363 |
| Net interest margin | 3.1819% | 4,679 |
| Noninterest income to average assets | 0.0590% | 5,986 |
| Noninterest expense to average assets | 3.0700% | 2,322 |
| Loan and lease loss provision to assets | 0.6124% | 170 |
| Net operating income to assets | -0.6068% | 6,062 |
| Return on assets (ROA) | -0.6068% | 6,063 |
| Pretax return on assets | -0.6068% | 6,060 |
| Return on Equity (ROE) | -7.0412% | 6,072 |
| Retained earnings to average equity (ytd only) | -7.0412% | 5,980 |
| Net charge-offs to loans | 1.9850% | 69 |
| Credit loss provision to net charge-offs | 37.1560% | 3,564 |
| Earnings coverage of net charge-offs (x) | 0.0034% | 4,269 |
| Efficiency ratio | 99.8197% | 289 |
| Assets per employee ($millions) | 5.4297% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4176% | 2,336 |
| Loan loss allowance to noncurrent loans | 242.4945% | 1,974 |
| Noncurrent assets plus other real estate owned to assets | 0.5683% | 3,385 |
| Noncurrent loans to loans | 0.5846% | 3,424 |
| Net loans and leases to total assets | 80.3955% | 785 |
| Net loans and leases to deposits | 94.4685% | 1,159 |
| Net loans and leases to core deposits | 103.3407% | 1,273 |
| Total domestic deposits to total assets | 85.1030% | 3,043 |
| Equity capital to assets | 8.7083% | 5,385 |
| Core capital (leverage) ratio | 8.9498% | 4,941 |
| Tier 1 risk-based capital ratio | 10.5630% | 5,748 |
| Total risk-based capital ratio | 11.8145% | 5,667 |
| Memoranda: | ||
| Average total assets | $198,402,200 | 2,966 |
| Average earning assets | $188,093,200 | 2,913 |
| Average equity | $17,099,400 | 3,513 |
| Average total loans | $164,737,400 | 2,404 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0257% | 3,234 |
| Cost of funding earning assets | 0.8691% | 347 |
| Net interest margin | 3.1567% | 4,803 |
| Noninterest income to average assets | 0.0678% | 6,052 |
| Noninterest expense to average assets | 3.1295% | 2,143 |
| Loan and lease loss provision to assets | 0.8080% | 87 |
| Net operating income to assets | -0.8818% | 6,186 |
| Return on assets (ROA) | -0.8818% | 6,184 |
| Pretax return on assets | -0.8818% | 6,177 |
| Return on Equity (ROE) | -10.2568% | 6,184 |
| Retained earnings to average equity (ytd only) | -10.2568% | 6,130 |
| Net charge-offs to loans | 2.3081% | 49 |
| Credit loss provision to net charge-offs | 41.9834% | 3,140 |
| Earnings coverage of net charge-offs (x) | -0.0384% | 3,995 |
| Efficiency ratio | 102.4157% | 250 |
| Assets per employee ($millions) | 5.2654% | 1,987 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6543% | 1,595 |
| Loan loss allowance to noncurrent loans | 178.9291% | 2,469 |
| Noncurrent assets plus other real estate owned to assets | 0.8684% | 2,705 |
| Noncurrent loans to loans | 0.9246% | 2,665 |
| Net loans and leases to total assets | 80.6947% | 724 |
| Net loans and leases to deposits | 93.2092% | 1,283 |
| Net loans and leases to core deposits | 105.0391% | 1,166 |
| Total domestic deposits to total assets | 86.5737% | 2,246 |
| Equity capital to assets | 8.7595% | 5,525 |
| Core capital (leverage) ratio | 8.5779% | 5,489 |
| Tier 1 risk-based capital ratio | 10.5723% | 5,853 |
| Total risk-based capital ratio | 11.8272% | 5,779 |
| Memoranda: | ||
| Average total assets | $200,493,250 | 2,963 |
| Average earning assets | $189,773,750 | 2,917 |
| Average equity | $17,237,000 | 3,526 |
| Average total loans | $167,177,000 | 2,397 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0187% | 3,210 |
| Cost of funding earning assets | 0.8970% | 297 |
| Net interest margin | 3.1217% | 4,912 |
| Noninterest income to average assets | 0.0911% | 6,057 |
| Noninterest expense to average assets | 3.0959% | 2,254 |
| Loan and lease loss provision to assets | 1.0875% | 62 |
| Net operating income to assets | -1.1394% | 6,268 |
| Return on assets (ROA) | -1.1394% | 6,269 |
| Pretax return on assets | -1.1394% | 6,264 |
| Return on Equity (ROE) | -13.3310% | 6,273 |
| Retained earnings to average equity (ytd only) | -13.3310% | 6,220 |
| Net charge-offs to loans | 2.5804% | 48 |
| Credit loss provision to net charge-offs | 50.2945% | 2,701 |
| Earnings coverage of net charge-offs (x) | -0.0240% | 3,713 |
| Efficiency ratio | 101.7058% | 287 |
| Assets per employee ($millions) | 5.5919% | 1,665 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0000% | 989 |
| Loan loss allowance to noncurrent loans | 121.7207% | 3,250 |
| Noncurrent assets plus other real estate owned to assets | 1.4501% | 1,714 |
| Noncurrent loans to loans | 1.6431% | 1,592 |
| Net loans and leases to total assets | 78.9895% | 941 |
| Net loans and leases to deposits | 91.4769% | 1,427 |
| Net loans and leases to core deposits | 102.9069% | 1,272 |
| Total domestic deposits to total assets | 86.3491% | 2,508 |
| Equity capital to assets | 8.5307% | 5,664 |
| Core capital (leverage) ratio | 8.4495% | 5,582 |
| Tier 1 risk-based capital ratio | 10.6051% | 5,883 |
| Total risk-based capital ratio | 11.8642% | 5,820 |
| Memoranda: | ||
| Average total assets | $204,139,670 | 2,953 |
| Average earning assets | $193,098,330 | 2,900 |
| Average equity | $17,448,000 | 3,505 |
| Average total loans | $171,058,330 | 2,363 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0874% | 2,886 |
| Cost of funding earning assets | 0.9340% | 242 |
| Net interest margin | 3.1533% | 4,776 |
| Noninterest income to average assets | 0.0883% | 6,127 |
| Noninterest expense to average assets | 3.1216% | 2,201 |
| Loan and lease loss provision to assets | 0.2016% | 919 |
| Net operating income to assets | -0.2534% | 6,171 |
| Return on assets (ROA) | -0.2534% | 6,191 |
| Pretax return on assets | -0.2534% | 6,175 |
| Return on Equity (ROE) | -2.9623% | 6,214 |
| Retained earnings to average equity (ytd only) | -2.9623% | 5,788 |
| Net charge-offs to loans | -0.1936% | 6,052 |
| Credit loss provision to net charge-offs | -122.0930% | 4,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.6886% | 325 |
| Assets per employee ($millions) | 5.7951% | 1,559 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5477% | 499 |
| Loan loss allowance to noncurrent loans | 68.6284% | 4,481 |
| Noncurrent assets plus other real estate owned to assets | 3.3151% | 523 |
| Noncurrent loans to loans | 3.7123% | 492 |
| Net loans and leases to total assets | 83.7889% | 323 |
| Net loans and leases to deposits | 95.3452% | 878 |
| Net loans and leases to core deposits | 101.6575% | 1,205 |
| Total domestic deposits to total assets | 87.8795% | 1,893 |
| Equity capital to assets | 8.7551% | 5,541 |
| Core capital (leverage) ratio | 8.4194% | 5,606 |
| Tier 1 risk-based capital ratio | 10.2559% | 6,098 |
| Total risk-based capital ratio | 11.5224% | 6,036 |
| Memoranda: | ||
| Average total assets | $208,351,500 | 2,929 |
| Average earning assets | $196,997,500 | 2,873 |
| Average equity | $17,824,000 | 3,476 |
| Average total loans | $177,712,500 | 2,286 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1215% | 3,241 |
| Cost of funding earning assets | 0.9663% | 266 |
| Net interest margin | 3.1553% | 5,058 |
| Noninterest income to average assets | 0.3413% | 4,663 |
| Noninterest expense to average assets | 2.6696% | 3,981 |
| Loan and lease loss provision to assets | 1.9493% | 31 |
| Net operating income to assets | -1.6876% | 6,443 |
| Return on assets (ROA) | -1.6876% | 6,445 |
| Pretax return on assets | -1.2994% | 6,406 |
| Return on Equity (ROE) | -19.5836% | 6,438 |
| Retained earnings to average equity (ytd only) | -19.5836% | 6,420 |
| Net charge-offs to loans | 2.5634% | 57 |
| Credit loss provision to net charge-offs | 90.3007% | 2,643 |
| Earnings coverage of net charge-offs (x) | 0.3011% | 4,667 |
| Efficiency ratio | 80.4213% | 1,866 |
| Assets per employee ($millions) | 5.9409% | 1,421 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6966% | 1,779 |
| Loan loss allowance to noncurrent loans | 40.1712% | 5,375 |
| Noncurrent assets plus other real estate owned to assets | 3.6681% | 493 |
| Noncurrent loans to loans | 4.2234% | 413 |
| Net loans and leases to total assets | 82.6565% | 465 |
| Net loans and leases to deposits | 93.4271% | 1,136 |
| Net loans and leases to core deposits | 99.2171% | 1,446 |
| Total domestic deposits to total assets | 88.4717% | 1,535 |
| Equity capital to assets | 8.3648% | 5,851 |
| Core capital (leverage) ratio | 8.0996% | 5,933 |
| Tier 1 risk-based capital ratio | 10.0799% | 6,237 |
| Total risk-based capital ratio | 11.3358% | 6,181 |
| Memoranda: | ||
| Average total assets | $238,798,600 | 2,624 |
| Average earning assets | $225,400,800 | 2,573 |
| Average equity | $20,578,400 | 3,097 |
| Average total loans | $201,096,600 | 2,024 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1392% | 3,214 |
| Cost of funding earning assets | 0.9728% | 274 |
| Net interest margin | 3.1664% | 5,074 |
| Noninterest income to average assets | 0.4212% | 4,086 |
| Noninterest expense to average assets | 2.5395% | 4,397 |
| Loan and lease loss provision to assets | 1.3892% | 63 |
| Net operating income to assets | -0.3297% | 6,324 |
| Return on assets (ROA) | -0.3297% | 6,322 |
| Pretax return on assets | -0.5213% | 6,359 |
| Return on Equity (ROE) | -3.8022% | 6,338 |
| Retained earnings to average equity (ytd only) | -3.8022% | 6,195 |
| Net charge-offs to loans | 1.2635% | 208 |
| Credit loss provision to net charge-offs | 130.5215% | 1,769 |
| Earnings coverage of net charge-offs (x) | 0.8154% | 4,313 |
| Efficiency ratio | 74.5289% | 2,733 |
| Assets per employee ($millions) | 6.4219% | 1,061 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1468% | 1,027 |
| Loan loss allowance to noncurrent loans | 37.6270% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 4.8766% | 361 |
| Noncurrent loans to loans | 5.7055% | 264 |
| Net loans and leases to total assets | 81.7819% | 533 |
| Net loans and leases to deposits | 92.9009% | 1,143 |
| Net loans and leases to core deposits | 100.3019% | 1,341 |
| Total domestic deposits to total assets | 88.0314% | 1,750 |
| Equity capital to assets | 9.0143% | 5,336 |
| Core capital (leverage) ratio | 8.3491% | 5,803 |
| Tier 1 risk-based capital ratio | 10.4589% | 6,218 |
| Total risk-based capital ratio | 11.7206% | 6,163 |
| Memoranda: | ||
| Average total assets | $245,030,000 | 2,580 |
| Average earning assets | $231,087,250 | 2,528 |
| Average equity | $21,250,500 | 3,031 |
| Average total loans | $206,413,000 | 2,012 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1745% | 3,054 |
| Cost of funding earning assets | 0.9814% | 280 |
| Net interest margin | 3.1931% | 4,969 |
| Noninterest income to average assets | 0.5864% | 2,884 |
| Noninterest expense to average assets | 2.4787% | 4,645 |
| Loan and lease loss provision to assets | 1.6648% | 48 |
| Net operating income to assets | -0.3525% | 6,392 |
| Return on assets (ROA) | -0.3525% | 6,399 |
| Pretax return on assets | -0.5464% | 6,434 |
| Return on Equity (ROE) | -4.1146% | 6,412 |
| Retained earnings to average equity (ytd only) | -4.1146% | 6,182 |
| Net charge-offs to loans | 0.6461% | 601 |
| Credit loss provision to net charge-offs | 305.1395% | 842 |
| Earnings coverage of net charge-offs (x) | 2.0499% | 3,656 |
| Efficiency ratio | 68.9087% | 3,848 |
| Assets per employee ($millions) | 6.4905% | 1,021 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3425% | 859 |
| Loan loss allowance to noncurrent loans | 57.8510% | 4,885 |
| Noncurrent assets plus other real estate owned to assets | 3.5692% | 638 |
| Noncurrent loans to loans | 4.0491% | 578 |
| Net loans and leases to total assets | 83.6369% | 327 |
| Net loans and leases to deposits | 96.3340% | 778 |
| Net loans and leases to core deposits | 104.0048% | 1,016 |
| Total domestic deposits to total assets | 86.8197% | 2,567 |
| Equity capital to assets | 8.5132% | 5,791 |
| Core capital (leverage) ratio | 8.3019% | 5,847 |
| Tier 1 risk-based capital ratio | 9.8631% | 6,435 |
| Total risk-based capital ratio | 11.1271% | 6,403 |
| Memoranda: | ||
| Average total assets | $249,644,000 | 2,548 |
| Average earning assets | $235,381,670 | 2,485 |
| Average equity | $21,387,330 | 3,009 |
| Average total loans | $210,811,330 | 1,978 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2081% | 2,845 |
| Cost of funding earning assets | 0.9933% | 280 |
| Net interest margin | 3.2148% | 4,880 |
| Noninterest income to average assets | 0.0669% | 6,434 |
| Noninterest expense to average assets | 2.3126% | 5,159 |
| Loan and lease loss provision to assets | 0.0080% | 3,715 |
| Net operating income to assets | 0.5224% | 4,580 |
| Return on assets (ROA) | 0.5224% | 4,651 |
| Pretax return on assets | 0.7772% | 4,191 |
| Return on Equity (ROE) | 6.0790% | 3,983 |
| Retained earnings to average equity (ytd only) | 6.0790% | 2,501 |
| Net charge-offs to loans | 0.2070% | 1,510 |
| Credit loss provision to net charge-offs | 4.5872% | 2,651 |
| Earnings coverage of net charge-offs (x) | 4.5229% | 2,514 |
| Efficiency ratio | 74.6530% | 3,024 |
| Assets per employee ($millions) | 8.0872% | 461 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6631% | 2,462 |
| Loan loss allowance to noncurrent loans | 80.8965% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 1.7993% | 1,950 |
| Noncurrent loans to loans | 2.0559% | 1,804 |
| Net loans and leases to total assets | 81.2977% | 422 |
| Net loans and leases to deposits | 91.7606% | 977 |
| Net loans and leases to core deposits | 99.5818% | 1,130 |
| Total domestic deposits to total assets | 88.5976% | 1,894 |
| Equity capital to assets | 8.6760% | 5,460 |
| Core capital (leverage) ratio | 8.6890% | 5,399 |
| Tier 1 risk-based capital ratio | 10.5154% | 6,327 |
| Total risk-based capital ratio | 11.7706% | 6,293 |
| Memoranda: | ||
| Average total assets | $251,146,000 | 2,546 |
| Average earning assets | $236,779,500 | 2,479 |
| Average equity | $21,582,500 | 2,987 |
| Average total loans | $210,602,000 | 1,974 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3529% | 2,766 |
| Cost of funding earning assets | 1.1599% | 214 |
| Net interest margin | 3.1930% | 5,024 |
| Noninterest income to average assets | 0.1024% | 6,382 |
| Noninterest expense to average assets | 2.4691% | 4,863 |
| Loan and lease loss provision to assets | 0.5320% | 507 |
| Net operating income to assets | 0.0934% | 6,059 |
| Return on assets (ROA) | 0.0934% | 6,111 |
| Pretax return on assets | 0.1329% | 6,039 |
| Return on Equity (ROE) | 1.1756% | 6,050 |
| Retained earnings to average equity (ytd only) | 1.1756% | 5,299 |
| Net charge-offs to loans | 1.1553% | 467 |
| Credit loss provision to net charge-offs | 54.4796% | 3,719 |
| Earnings coverage of net charge-offs (x) | 0.6809% | 4,860 |
| Efficiency ratio | 78.7836% | 2,349 |
| Assets per employee ($millions) | 9.3181% | 293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6598% | 2,534 |
| Loan loss allowance to noncurrent loans | 93.8673% | 3,775 |
| Noncurrent assets plus other real estate owned to assets | 1.6030% | 2,317 |
| Noncurrent loans to loans | 1.7682% | 2,279 |
| Net loans and leases to total assets | 83.6245% | 280 |
| Net loans and leases to deposits | 95.5797% | 758 |
| Net loans and leases to core deposits | 103.6582% | 931 |
| Total domestic deposits to total assets | 87.4920% | 2,476 |
| Equity capital to assets | 8.5115% | 5,567 |
| Core capital (leverage) ratio | 8.3971% | 5,786 |
| Tier 1 risk-based capital ratio | 10.0915% | 6,492 |
| Total risk-based capital ratio | 11.3467% | 6,455 |
| Memoranda: | ||
| Average total assets | $268,603,800 | 2,361 |
| Average earning assets | $255,024,600 | 2,287 |
| Average equity | $21,350,600 | 2,995 |
| Average total loans | $227,047,200 | 1,803 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3737% | 2,679 |
| Cost of funding earning assets | 1.1914% | 206 |
| Net interest margin | 3.1823% | 5,051 |
| Noninterest income to average assets | 0.1143% | 6,435 |
| Noninterest expense to average assets | 2.4579% | 4,850 |
| Loan and lease loss provision to assets | 0.2986% | 1,138 |
| Net operating income to assets | 0.2614% | 5,748 |
| Return on assets (ROA) | 0.2614% | 5,846 |
| Pretax return on assets | 0.3885% | 5,654 |
| Return on Equity (ROE) | 3.3435% | 5,483 |
| Retained earnings to average equity (ytd only) | 3.3435% | 4,298 |
| Net charge-offs to loans | 0.9656% | 597 |
| Credit loss provision to net charge-offs | 36.6307% | 3,772 |
| Earnings coverage of net charge-offs (x) | 0.8429% | 4,573 |
| Efficiency ratio | 78.1541% | 2,397 |
| Assets per employee ($millions) | 8.4916% | 384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6873% | 2,667 |
| Loan loss allowance to noncurrent loans | 106.0684% | 3,342 |
| Noncurrent assets plus other real estate owned to assets | 1.5032% | 2,679 |
| Noncurrent loans to loans | 1.5908% | 2,783 |
| Net loans and leases to total assets | 81.6300% | 396 |
| Net loans and leases to deposits | 91.5634% | 1,015 |
| Net loans and leases to core deposits | 99.7114% | 1,137 |
| Total domestic deposits to total assets | 89.1513% | 1,480 |
| Equity capital to assets | 8.2336% | 5,974 |
| Core capital (leverage) ratio | 8.0016% | 6,223 |
| Tier 1 risk-based capital ratio | 9.9247% | 6,614 |
| Total risk-based capital ratio | 11.1803% | 6,579 |
| Memoranda: | ||
| Average total assets | $272,857,250 | 2,331 |
| Average earning assets | $259,850,250 | 2,255 |
| Average equity | $21,334,750 | 3,036 |
| Average total loans | $230,323,500 | 1,788 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3655% | 2,697 |
| Cost of funding earning assets | 1.2052% | 208 |
| Net interest margin | 3.1602% | 5,086 |
| Noninterest income to average assets | 0.1304% | 6,403 |
| Noninterest expense to average assets | 2.4263% | 4,978 |
| Loan and lease loss provision to assets | 0.3630% | 912 |
| Net operating income to assets | 0.2362% | 5,806 |
| Return on assets (ROA) | 0.2362% | 5,930 |
| Pretax return on assets | 0.3521% | 5,745 |
| Return on Equity (ROE) | 3.0723% | 5,596 |
| Retained earnings to average equity (ytd only) | 3.0723% | 4,367 |
| Net charge-offs to loans | 0.1520% | 2,885 |
| Credit loss provision to net charge-offs | 281.4607% | 911 |
| Earnings coverage of net charge-offs (x) | 5.5449% | 2,872 |
| Efficiency ratio | 77.2371% | 2,586 |
| Assets per employee ($millions) | 6.9660% | 728 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1779% | 1,468 |
| Loan loss allowance to noncurrent loans | 360.1990% | 1,172 |
| Noncurrent assets plus other real estate owned to assets | 0.6946% | 4,481 |
| Noncurrent loans to loans | 0.6046% | 4,745 |
| Net loans and leases to total assets | 83.7893% | 249 |
| Net loans and leases to deposits | 93.5145% | 845 |
| Net loans and leases to core deposits | 103.8671% | 848 |
| Total domestic deposits to total assets | 89.6004% | 1,267 |
| Equity capital to assets | 7.9018% | 6,268 |
| Core capital (leverage) ratio | 7.7669% | 6,328 |
| Tier 1 risk-based capital ratio | 9.2263% | 6,745 |
| Total risk-based capital ratio | 10.4879% | 6,736 |
| Memoranda: | ||
| Average total assets | $276,063,330 | 2,312 |
| Average earning assets | $263,019,670 | 2,242 |
| Average equity | $21,221,670 | 3,071 |
| Average total loans | $234,241,330 | 1,758 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3432% | 2,721 |
| Cost of funding earning assets | 1.2146% | 218 |
| Net interest margin | 3.1285% | 5,166 |
| Noninterest income to average assets | 0.1912% | 6,105 |
| Noninterest expense to average assets | 2.4150% | 5,077 |
| Loan and lease loss provision to assets | 0.2070% | 1,793 |
| Net operating income to assets | 0.3709% | 5,260 |
| Return on assets (ROA) | 0.3709% | 5,388 |
| Pretax return on assets | 0.5534% | 5,105 |
| Return on Equity (ROE) | 4.8912% | 4,636 |
| Retained earnings to average equity (ytd only) | 4.8912% | 3,302 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0525% | 2,915 |
| Assets per employee ($millions) | 7.1779% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0807% | 1,842 |
| Loan loss allowance to noncurrent loans | 9,224.5283% | 80 |
| Noncurrent assets plus other real estate owned to assets | 0.1082% | 6,256 |
| Noncurrent loans to loans | 0.0226% | 6,428 |
| Net loans and leases to total assets | 82.1898% | 272 |
| Net loans and leases to deposits | 91.4701% | 849 |
| Net loans and leases to core deposits | 101.9664% | 826 |
| Total domestic deposits to total assets | 89.8543% | 1,135 |
| Equity capital to assets | 7.6388% | 6,547 |
| Core capital (leverage) ratio | 7.6895% | 6,361 |
| Tier 1 risk-based capital ratio | 9.1626% | 6,796 |
| Total risk-based capital ratio | 10.4229% | 6,789 |
| Memoranda: | ||
| Average total assets | $278,258,500 | 2,323 |
| Average earning assets | $265,428,000 | 2,251 |
| Average equity | $21,099,000 | 3,118 |
| Average total loans | $235,011,500 | 1,761 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5544% | 3,192 |
| Cost of funding earning assets | 1.3214% | 344 |
| Net interest margin | 3.2331% | 5,481 |
| Noninterest income to average assets | 0.0501% | 6,688 |
| Noninterest expense to average assets | 2.3916% | 5,426 |
| Loan and lease loss provision to assets | 0.9344% | 466 |
| Net operating income to assets | -0.1127% | 6,293 |
| Return on assets (ROA) | -0.1127% | 6,392 |
| Pretax return on assets | -0.1749% | 6,409 |
| Return on Equity (ROE) | -1.3585% | 6,412 |
| Retained earnings to average equity (ytd only) | -1.3585% | 6,072 |
| Net charge-offs to loans | 0.0598% | 5,095 |
| Credit loss provision to net charge-offs | 1,822.9008% | 127 |
| Earnings coverage of net charge-offs (x) | 14.8168% | 1,703 |
| Efficiency ratio | 75.8972% | 2,765 |
| Assets per employee ($millions) | 7.6827% | 577 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0187% | 1,972 |
| Loan loss allowance to noncurrent loans | 8,787.0370% | 85 |
| Noncurrent assets plus other real estate owned to assets | 0.1099% | 6,309 |
| Noncurrent loans to loans | 0.0230% | 6,470 |
| Net loans and leases to total assets | 83.2705% | 256 |
| Net loans and leases to deposits | 92.5962% | 864 |
| Net loans and leases to core deposits | 103.3559% | 821 |
| Total domestic deposits to total assets | 89.9287% | 985 |
| Equity capital to assets | 7.5256% | 6,623 |
| Core capital (leverage) ratio | 7.7723% | 6,360 |
| Tier 1 risk-based capital ratio | 8.9882% | 6,849 |
| Total risk-based capital ratio | 10.2481% | 6,850 |
| Memoranda: | ||
| Average total assets | $255,563,400 | 2,484 |
| Average earning assets | $245,124,400 | 2,368 |
| Average equity | $21,199,800 | 3,072 |
| Average total loans | $218,974,200 | 1,848 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5824% | 3,278 |
| Cost of funding earning assets | 1.3462% | 359 |
| Net interest margin | 3.2362% | 5,596 |
| Noninterest income to average assets | 0.0634% | 6,754 |
| Noninterest expense to average assets | 2.2910% | 5,708 |
| Loan and lease loss provision to assets | 0.0692% | 4,813 |
| Net operating income to assets | 0.5364% | 4,677 |
| Return on assets (ROA) | 0.5364% | 4,949 |
| Pretax return on assets | 0.8123% | 4,437 |
| Return on Equity (ROE) | 6.3045% | 4,174 |
| Retained earnings to average equity (ytd only) | 6.3045% | 2,483 |
| Net charge-offs to loans | 0.0813% | 4,587 |
| Credit loss provision to net charge-offs | 99.2366% | 3,029 |
| Earnings coverage of net charge-offs (x) | 12.6337% | 1,987 |
| Efficiency ratio | 72.2129% | 3,285 |
| Assets per employee ($millions) | 8.4691% | 403 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0905% | 5,758 |
| Loan loss allowance to noncurrent loans | 4,521.8182% | 149 |
| Noncurrent assets plus other real estate owned to assets | 0.1413% | 6,362 |
| Noncurrent loans to loans | 0.0241% | 6,572 |
| Net loans and leases to total assets | 83.2371% | 265 |
| Net loans and leases to deposits | 93.1525% | 862 |
| Net loans and leases to core deposits | 103.3666% | 907 |
| Total domestic deposits to total assets | 89.3557% | 1,213 |
| Equity capital to assets | 8.1621% | 6,509 |
| Core capital (leverage) ratio | 8.6158% | 5,605 |
| Tier 1 risk-based capital ratio | 9.8089% | 6,840 |
| Total risk-based capital ratio | 10.9118% | 6,864 |
| Memoranda: | ||
| Average total assets | $250,310,000 | 2,552 |
| Average earning assets | $240,480,250 | 2,439 |
| Average equity | $21,296,250 | 3,093 |
| Average total loans | $214,954,750 | 1,900 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5626% | 3,519 |
| Cost of funding earning assets | 1.3661% | 397 |
| Net interest margin | 3.1964% | 5,752 |
| Noninterest income to average assets | 0.0542% | 6,843 |
| Noninterest expense to average assets | 2.3360% | 5,648 |
| Loan and lease loss provision to assets | 0.0468% | 5,090 |
| Net operating income to assets | 0.4987% | 4,824 |
| Return on assets (ROA) | 0.4987% | 5,080 |
| Pretax return on assets | 0.7609% | 4,602 |
| Return on Equity (ROE) | 5.7750% | 4,435 |
| Retained earnings to average equity (ytd only) | 5.7750% | 2,838 |
| Net charge-offs to loans | 0.1244% | 3,933 |
| Credit loss provision to net charge-offs | 43.5115% | 4,181 |
| Earnings coverage of net charge-offs (x) | 7.5038% | 2,467 |
| Efficiency ratio | 74.3074% | 3,029 |
| Assets per employee ($millions) | 9.1634% | 302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0886% | 5,826 |
| Loan loss allowance to noncurrent loans | 630.2872% | 606 |
| Noncurrent assets plus other real estate owned to assets | 0.1493% | 6,413 |
| Noncurrent loans to loans | 0.1727% | 6,239 |
| Net loans and leases to total assets | 85.4889% | 156 |
| Net loans and leases to deposits | 96.1457% | 624 |
| Net loans and leases to core deposits | 104.6598% | 813 |
| Total domestic deposits to total assets | 88.9160% | 1,565 |
| Equity capital to assets | 8.4575% | 6,253 |
| Core capital (leverage) ratio | 9.0501% | 4,840 |
| Tier 1 risk-based capital ratio | 9.8294% | 6,867 |
| Total risk-based capital ratio | 10.9228% | 6,884 |
| Memoranda: | ||
| Average total assets | $243,410,000 | 2,622 |
| Average earning assets | $235,261,330 | 2,468 |
| Average equity | $21,021,670 | 3,109 |
| Average total loans | $210,583,670 | 1,938 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6196% | 3,416 |
| Cost of funding earning assets | 1.4533% | 347 |
| Net interest margin | 3.1663% | 5,859 |
| Noninterest income to average assets | 0.0287% | 7,020 |
| Noninterest expense to average assets | 2.4068% | 5,452 |
| Loan and lease loss provision to assets | 0.0456% | 4,831 |
| Net operating income to assets | 0.4172% | 5,184 |
| Return on assets (ROA) | 0.4172% | 5,375 |
| Pretax return on assets | 0.6452% | 4,952 |
| Return on Equity (ROE) | 4.7770% | 4,893 |
| Retained earnings to average equity (ytd only) | 4.7770% | 3,691 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6990% | 2,538 |
| Assets per employee ($millions) | 8.8467% | 341 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2141% | 5,423 |
| Loan loss allowance to noncurrent loans | 225.3584% | 1,473 |
| Noncurrent assets plus other real estate owned to assets | 0.6724% | 5,217 |
| Noncurrent loans to loans | 0.5387% | 5,585 |
| Net loans and leases to total assets | 85.6715% | 131 |
| Net loans and leases to deposits | 93.9292% | 672 |
| Net loans and leases to core deposits | 101.9454% | 867 |
| Total domestic deposits to total assets | 91.2087% | 474 |
| Equity capital to assets | 8.7114% | 5,860 |
| Core capital (leverage) ratio | 8.7408% | 5,227 |
| Tier 1 risk-based capital ratio | 10.3309% | 6,787 |
| Total risk-based capital ratio | 11.5785% | 6,787 |
| Memoranda: | ||
| Average total assets | $236,827,000 | 2,702 |
| Average earning assets | $229,542,500 | 2,538 |
| Average equity | $20,682,500 | 3,146 |
| Average total loans | $204,996,500 | 1,979 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7973% | 3,828 |
| Cost of funding earning assets | 1.5448% | 599 |
| Net interest margin | 3.2525% | 5,954 |
| Noninterest income to average assets | -0.0102% | 7,014 |
| Noninterest expense to average assets | 2.1967% | 6,274 |
| Loan and lease loss provision to assets | 0.3338% | 3,021 |
| Net operating income to assets | 0.4031% | 4,846 |
| Return on assets (ROA) | 0.4031% | 5,024 |
| Pretax return on assets | 0.6242% | 4,613 |
| Return on Equity (ROE) | 4.0870% | 4,811 |
| Retained earnings to average equity (ytd only) | 4.0870% | 3,281 |
| Net charge-offs to loans | 0.2007% | 4,538 |
| Credit loss provision to net charge-offs | 191.5966% | 1,334 |
| Earnings coverage of net charge-offs (x) | 5.4986% | 2,772 |
| Efficiency ratio | 69.6318% | 4,031 |
| Assets per employee ($millions) | 9.0305% | 324 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2266% | 5,267 |
| Loan loss allowance to noncurrent loans | 184.5697% | 1,788 |
| Noncurrent assets plus other real estate owned to assets | 0.5741% | 5,538 |
| Noncurrent loans to loans | 0.6646% | 5,374 |
| Net loans and leases to total assets | 85.3322% | 153 |
| Net loans and leases to deposits | 93.5875% | 836 |
| Net loans and leases to core deposits | 101.9572% | 1,029 |
| Total domestic deposits to total assets | 91.1791% | 434 |
| Equity capital to assets | 8.7553% | 5,842 |
| Core capital (leverage) ratio | 9.1789% | 4,495 |
| Tier 1 risk-based capital ratio | 10.4256% | 6,719 |
| Total risk-based capital ratio | 11.6759% | 6,698 |
| Memoranda: | ||
| Average total assets | $204,902,400 | 3,000 |
| Average earning assets | $199,384,600 | 2,863 |
| Average equity | $20,210,400 | 3,103 |
| Average total loans | $177,886,400 | 2,281 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8665% | 3,701 |
| Cost of funding earning assets | 1.5667% | 671 |
| Net interest margin | 3.2998% | 5,858 |
| Noninterest income to average assets | 0.0209% | 7,042 |
| Noninterest expense to average assets | 2.1847% | 6,312 |
| Loan and lease loss provision to assets | 0.1992% | 4,032 |
| Net operating income to assets | 0.5538% | 4,303 |
| Return on assets (ROA) | 0.5538% | 4,482 |
| Pretax return on assets | 0.8516% | 3,945 |
| Return on Equity (ROE) | 5.4329% | 4,316 |
| Retained earnings to average equity (ytd only) | 5.4329% | 2,888 |
| Net charge-offs to loans | 0.2773% | 3,694 |
| Credit loss provision to net charge-offs | 82.6331% | 4,050 |
| Earnings coverage of net charge-offs (x) | 4.3585% | 3,095 |
| Efficiency ratio | 67.5224% | 4,415 |
| Assets per employee ($millions) | 8.1779% | 440 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1563% | 5,653 |
| Loan loss allowance to noncurrent loans | 289.9171% | 1,071 |
| Noncurrent assets plus other real estate owned to assets | 0.5028% | 5,829 |
| Noncurrent loans to loans | 0.3988% | 6,056 |
| Net loans and leases to total assets | 87.7641% | 86 |
| Net loans and leases to deposits | 100.3737% | 457 |
| Net loans and leases to core deposits | 106.7241% | 828 |
| Total domestic deposits to total assets | 87.4373% | 2,387 |
| Equity capital to assets | 10.0544% | 4,269 |
| Core capital (leverage) ratio | 10.0662% | 3,350 |
| Tier 1 risk-based capital ratio | 11.8759% | 5,980 |
| Total risk-based capital ratio | 13.0894% | 5,995 |
| Memoranda: | ||
| Average total assets | $197,429,500 | 3,103 |
| Average earning assets | $192,330,000 | 2,952 |
| Average equity | $20,123,750 | 3,124 |
| Average total loans | $171,647,250 | 2,369 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8407% | 3,905 |
| Cost of funding earning assets | 1.5820% | 755 |
| Net interest margin | 3.2586% | 5,979 |
| Noninterest income to average assets | 0.0185% | 7,150 |
| Noninterest expense to average assets | 2.1959% | 6,395 |
| Loan and lease loss provision to assets | 0.1199% | 4,778 |
| Net operating income to assets | 0.5751% | 4,186 |
| Return on assets (ROA) | 0.5751% | 4,310 |
| Pretax return on assets | 0.8806% | 3,709 |
| Return on Equity (ROE) | 5.6157% | 4,147 |
| Retained earnings to average equity (ytd only) | 5.6157% | 2,634 |
| Net charge-offs to loans | 0.3231% | 3,267 |
| Credit loss provision to net charge-offs | 43.0147% | 4,758 |
| Earnings coverage of net charge-offs (x) | 3.5882% | 3,118 |
| Efficiency ratio | 68.6979% | 4,392 |
| Assets per employee ($millions) | 8.4502% | 392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1571% | 5,737 |
| Loan loss allowance to noncurrent loans | 176.7401% | 1,707 |
| Noncurrent assets plus other real estate owned to assets | 0.5597% | 5,807 |
| Noncurrent loans to loans | 0.6547% | 5,610 |
| Net loans and leases to total assets | 84.4920% | 215 |
| Net loans and leases to deposits | 93.9286% | 878 |
| Net loans and leases to core deposits | 100.4108% | 1,306 |
| Total domestic deposits to total assets | 89.9534% | 1,000 |
| Equity capital to assets | 9.9998% | 4,152 |
| Core capital (leverage) ratio | 10.4073% | 2,823 |
| Tier 1 risk-based capital ratio | 12.2168% | 5,594 |
| Total risk-based capital ratio | 13.4261% | 5,618 |
| Memoranda: | ||
| Average total assets | $195,090,330 | 3,150 |
| Average earning assets | $190,263,670 | 2,992 |
| Average equity | $19,979,670 | 3,128 |
| Average total loans | $168,353,000 | 2,430 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8830% | 3,673 |
| Cost of funding earning assets | 1.6298% | 727 |
| Net interest margin | 3.2532% | 5,913 |
| Noninterest income to average assets | 0.0167% | 7,255 |
| Noninterest expense to average assets | 2.2946% | 6,203 |
| Loan and lease loss provision to assets | 0.0837% | 4,948 |
| Net operating income to assets | 0.5334% | 4,338 |
| Return on assets (ROA) | 0.5334% | 4,427 |
| Pretax return on assets | 0.8074% | 3,876 |
| Return on Equity (ROE) | 5.1439% | 4,321 |
| Retained earnings to average equity (ytd only) | 5.1439% | 3,092 |
| Net charge-offs to loans | 0.2605% | 3,027 |
| Credit loss provision to net charge-offs | 37.0370% | 4,001 |
| Earnings coverage of net charge-offs (x) | 3.9444% | 2,600 |
| Efficiency ratio | 72.0289% | 3,860 |
| Assets per employee ($millions) | 8.2872% | 427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2549% | 5,363 |
| Loan loss allowance to noncurrent loans | 159.1635% | 1,835 |
| Noncurrent assets plus other real estate owned to assets | 0.6899% | 5,564 |
| Noncurrent loans to loans | 0.7884% | 5,460 |
| Net loans and leases to total assets | 86.4043% | 115 |
| Net loans and leases to deposits | 96.5828% | 653 |
| Net loans and leases to core deposits | 103.5311% | 1,093 |
| Total domestic deposits to total assets | 89.4615% | 1,503 |
| Equity capital to assets | 10.4698% | 3,210 |
| Core capital (leverage) ratio | 10.3724% | 2,736 |
| Tier 1 risk-based capital ratio | 12.4578% | 5,302 |
| Total risk-based capital ratio | 13.7083% | 5,280 |
| Memoranda: | ||
| Average total assets | $191,233,000 | 3,230 |
| Average earning assets | $186,280,000 | 3,062 |
| Average equity | $19,829,500 | 3,141 |
| Average total loans | $165,849,500 | 2,487 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1440% | 3,887 |
| Cost of funding earning assets | 1.8333% | 1,050 |
| Net interest margin | 3.3107% | 5,946 |
| Noninterest income to average assets | 0.0258% | 7,205 |
| Noninterest expense to average assets | 2.3870% | 6,119 |
| Loan and lease loss provision to assets | 0.4087% | 3,654 |
| Net operating income to assets | 0.7361% | 3,068 |
| Return on assets (ROA) | 0.7825% | 3,003 |
| Pretax return on assets | 0.4970% | 4,630 |
| Return on Equity (ROE) | 7.1959% | 3,023 |
| Retained earnings to average equity (ytd only) | 6.6951% | 1,453 |
| Net charge-offs to loans | 0.0635% | 6,157 |
| Credit loss provision to net charge-offs | 750.5263% | 285 |
| Earnings coverage of net charge-offs (x) | 15.7789% | 1,259 |
| Efficiency ratio | 73.5299% | 3,481 |
| Assets per employee ($millions) | 8.7210% | 375 |
| Cash dividends to net income (ytd only)* | 6.9597% | 3,830 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3104% | 4,948 |
| Loan loss allowance to noncurrent loans | 294.0136% | 1,043 |
| Noncurrent assets plus other real estate owned to assets | 0.3831% | 6,317 |
| Noncurrent loans to loans | 0.4457% | 6,151 |
| Net loans and leases to total assets | 84.8291% | 246 |
| Net loans and leases to deposits | 94.6899% | 992 |
| Net loans and leases to core deposits | 102.4319% | 1,421 |
| Total domestic deposits to total assets | 89.5862% | 1,339 |
| Equity capital to assets | 10.2694% | 3,421 |
| Core capital (leverage) ratio | 10.6332% | 2,431 |
| Tier 1 risk-based capital ratio | 12.3491% | 5,161 |
| Total risk-based capital ratio | 13.6006% | 5,133 |
| Memoranda: | ||
| Average total assets | $174,444,400 | 3,458 |
| Average earning assets | $169,692,600 | 3,285 |
| Average equity | $18,969,200 | 3,285 |
| Average total loans | $149,574,600 | 2,777 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1606% | 4,031 |
| Cost of funding earning assets | 1.8882% | 1,066 |
| Net interest margin | 3.2725% | 6,105 |
| Noninterest income to average assets | 0.0282% | 7,372 |
| Noninterest expense to average assets | 2.3877% | 6,069 |
| Loan and lease loss provision to assets | 0.2289% | 4,788 |
| Net operating income to assets | 0.5934% | 3,901 |
| Return on assets (ROA) | 0.6569% | 3,783 |
| Pretax return on assets | 0.6569% | 4,397 |
| Return on Equity (ROE) | 5.9476% | 3,840 |
| Retained earnings to average equity (ytd only) | 5.3372% | 2,744 |
| Net charge-offs to loans | 0.0055% | 6,593 |
| Credit loss provision to net charge-offs | 4,866.6667% | 55 |
| Earnings coverage of net charge-offs (x) | 174.8288% | 188 |
| Efficiency ratio | 74.3834% | 3,246 |
| Assets per employee ($millions) | 8.0799% | 495 |
| Cash dividends to net income (ytd only)* | 10.2621% | 3,315 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1692% | 5,630 |
| Loan loss allowance to noncurrent loans | 284.0062% | 1,032 |
| Noncurrent assets plus other real estate owned to assets | 0.3623% | 6,492 |
| Noncurrent loans to loans | 0.4117% | 6,374 |
| Net loans and leases to total assets | 86.9750% | 143 |
| Net loans and leases to deposits | 97.6048% | 829 |
| Net loans and leases to core deposits | 105.3526% | 1,375 |
| Total domestic deposits to total assets | 89.1094% | 1,338 |
| Equity capital to assets | 10.7894% | 3,181 |
| Core capital (leverage) ratio | 11.2255% | 2,115 |
| Tier 1 risk-based capital ratio | 12.7913% | 4,739 |
| Total risk-based capital ratio | 14.0120% | 4,741 |
| Memoranda: | ||
| Average total assets | $170,090,250 | 3,579 |
| Average earning assets | $165,375,500 | 3,399 |
| Average equity | $18,785,750 | 3,348 |
| Average total loans | $145,739,500 | 2,881 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1442% | 4,220 |
| Cost of funding earning assets | 1.9445% | 1,064 |
| Net interest margin | 3.1996% | 6,321 |
| Noninterest income to average assets | 0.0239% | 7,453 |
| Noninterest expense to average assets | 2.3315% | 6,270 |
| Loan and lease loss provision to assets | 0.2388% | 4,526 |
| Net operating income to assets | 0.5670% | 4,010 |
| Return on assets (ROA) | 0.6637% | 3,710 |
| Pretax return on assets | 0.6637% | 4,356 |
| Return on Equity (ROE) | 5.9610% | 3,822 |
| Retained earnings to average equity (ytd only) | 5.9610% | 2,352 |
| Net charge-offs to loans | 0.0084% | 6,239 |
| Credit loss provision to net charge-offs | 3,333.3333% | 123 |
| Earnings coverage of net charge-offs (x) | 112.5000% | 294 |
| Efficiency ratio | 74.3151% | 3,409 |
| Assets per employee ($millions) | 8.5680% | 400 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1488% | 5,695 |
| Loan loss allowance to noncurrent loans | 268.4699% | 1,060 |
| Noncurrent assets plus other real estate owned to assets | 0.3776% | 6,490 |
| Noncurrent loans to loans | 0.4279% | 6,386 |
| Net loans and leases to total assets | 87.2211% | 160 |
| Net loans and leases to deposits | 98.1669% | 862 |
| Net loans and leases to core deposits | 102.6687% | 1,769 |
| Total domestic deposits to total assets | 88.8498% | 1,522 |
| Equity capital to assets | 11.0656% | 2,793 |
| Core capital (leverage) ratio | 11.0659% | 2,190 |
| Tier 1 risk-based capital ratio | 13.0500% | 4,398 |
| Total risk-based capital ratio | 14.2476% | 4,403 |
| Memoranda: | ||
| Average total assets | $167,534,330 | 3,644 |
| Average earning assets | $163,020,000 | 3,463 |
| Average equity | $18,654,670 | 3,355 |
| Average total loans | $142,174,670 | 2,972 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1404% | 4,344 |
| Cost of funding earning assets | 2.0254% | 1,012 |
| Net interest margin | 3.1150% | 6,550 |
| Noninterest income to average assets | 0.0314% | 7,550 |
| Noninterest expense to average assets | 2.3765% | 6,173 |
| Loan and lease loss provision to assets | 0.2294% | 4,207 |
| Net operating income to assets | 0.4565% | 4,591 |
| Return on assets (ROA) | 0.6521% | 3,777 |
| Pretax return on assets | 0.6521% | 4,406 |
| Return on Equity (ROE) | 5.8375% | 3,947 |
| Retained earnings to average equity (ytd only) | 5.8375% | 2,695 |
| Net charge-offs to loans | 0.0174% | 5,336 |
| Credit loss provision to net charge-offs | 1,583.3333% | 310 |
| Earnings coverage of net charge-offs (x) | 47.3333% | 595 |
| Efficiency ratio | 77.6025% | 2,960 |
| Assets per employee ($millions) | 7.5914% | 622 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1526% | 5,759 |
| Loan loss allowance to noncurrent loans | 251.8519% | 1,165 |
| Noncurrent assets plus other real estate owned to assets | 0.3880% | 6,502 |
| Noncurrent loans to loans | 0.4576% | 6,380 |
| Net loans and leases to total assets | 83.8064% | 392 |
| Net loans and leases to deposits | 94.4905% | 1,295 |
| Net loans and leases to core deposits | 99.5696% | 2,174 |
| Total domestic deposits to total assets | 88.6929% | 1,680 |
| Equity capital to assets | 11.1508% | 2,633 |
| Core capital (leverage) ratio | 11.1345% | 2,139 |
| Tier 1 risk-based capital ratio | 13.4899% | 3,989 |
| Total risk-based capital ratio | 14.6740% | 3,994 |
| Memoranda: | ||
| Average total assets | $165,621,500 | 3,739 |
| Average earning assets | $161,156,000 | 3,541 |
| Average equity | $18,501,000 | 3,397 |
| Average total loans | $137,662,500 | 3,115 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5812% | 3,699 |
| Cost of funding earning assets | 2.6288% | 714 |
| Net interest margin | 2.9524% | 6,748 |
| Noninterest income to average assets | 0.0509% | 7,499 |
| Noninterest expense to average assets | 2.3715% | 6,547 |
| Loan and lease loss provision to assets | 0.2582% | 5,332 |
| Net operating income to assets | 0.3050% | 4,519 |
| Return on assets (ROA) | 0.3552% | 4,400 |
| Pretax return on assets | 0.3552% | 4,624 |
| Return on Equity (ROE) | 2.8102% | 4,581 |
| Retained earnings to average equity (ytd only) | 2.8102% | 3,200 |
| Net charge-offs to loans | 0.0851% | 6,266 |
| Credit loss provision to net charge-offs | 355.7692% | 905 |
| Earnings coverage of net charge-offs (x) | 7.7596% | 2,079 |
| Efficiency ratio | 80.8086% | 2,772 |
| Assets per employee ($millions) | 7.4651% | 658 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1538% | 5,624 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 80.4863% | 912 |
| Net loans and leases to deposits | 90.8014% | 2,080 |
| Net loans and leases to core deposits | 131.8896% | 1,182 |
| Total domestic deposits to total assets | 88.6399% | 1,659 |
| Equity capital to assets | 11.1908% | 2,540 |
| Core capital (leverage) ratio | 11.9454% | 1,688 |
| Tier 1 risk-based capital ratio | 14.1566% | 3,402 |
| Total risk-based capital ratio | 15.3518% | 3,394 |
| Memoranda: | ||
| Average total assets | $143,282,200 | 4,054 |
| Average earning assets | $139,951,800 | 3,904 |
| Average equity | $18,112,800 | 3,490 |
| Average total loans | $122,276,600 | 3,433 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6375% | 3,653 |
| Cost of funding earning assets | 2.7857% | 618 |
| Net interest margin | 2.8518% | 6,964 |
| Noninterest income to average assets | 0.0483% | 7,660 |
| Noninterest expense to average assets | 2.3943% | 6,431 |
| Loan and lease loss provision to assets | 0.2154% | 5,262 |
| Net operating income to assets | 0.2270% | 5,066 |
| Return on assets (ROA) | 0.2511% | 5,068 |
| Pretax return on assets | 0.2511% | 5,185 |
| Return on Equity (ROE) | 1.9210% | 5,194 |
| Retained earnings to average equity (ytd only) | 1.9210% | 4,253 |
| Net charge-offs to loans | 0.0011% | 6,981 |
| Credit loss provision to net charge-offs | 22,300.0000% | 13 |
| Earnings coverage of net charge-offs (x) | 459.1353% | 74 |
| Efficiency ratio | 84.4059% | 2,249 |
| Assets per employee ($millions) | 7.0590% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1705% | 5,296 |
| Loan loss allowance to noncurrent loans | 1,455.3398% | 258 |
| Noncurrent assets plus other real estate owned to assets | 0.0695% | 7,387 |
| Noncurrent loans to loans | 0.0804% | 7,289 |
| Net loans and leases to total assets | 85.3789% | 399 |
| Net loans and leases to deposits | 97.6740% | 1,361 |
| Net loans and leases to core deposits | 139.5060% | 938 |
| Total domestic deposits to total assets | 87.4121% | 1,942 |
| Equity capital to assets | 12.3167% | 2,057 |
| Core capital (leverage) ratio | 12.5344% | 1,569 |
| Tier 1 risk-based capital ratio | 14.9402% | 3,066 |
| Total risk-based capital ratio | 16.1854% | 3,005 |
| Memoranda: | ||
| Average total assets | $138,044,500 | 4,185 |
| Average earning assets | $134,974,000 | 4,024 |
| Average equity | $18,046,250 | 3,530 |
| Average total loans | $119,413,750 | 3,524 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6196% | 3,970 |
| Cost of funding earning assets | 2.8910% | 623 |
| Net interest margin | 2.7286% | 7,143 |
| Noninterest income to average assets | 0.0431% | 7,769 |
| Noninterest expense to average assets | 2.3974% | 6,464 |
| Loan and lease loss provision to assets | 0.1664% | 5,399 |
| Net operating income to assets | 0.1500% | 5,418 |
| Return on assets (ROA) | 0.1857% | 5,396 |
| Pretax return on assets | 0.1857% | 5,505 |
| Return on Equity (ROE) | 1.3908% | 5,502 |
| Retained earnings to average equity (ytd only) | 1.3908% | 4,565 |
| Net charge-offs to loans | 0.0017% | 6,607 |
| Credit loss provision to net charge-offs | 11,200.0000% | 40 |
| Earnings coverage of net charge-offs (x) | 213.0000% | 197 |
| Efficiency ratio | 88.3415% | 1,969 |
| Assets per employee ($millions) | 7.3606% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1548% | 5,243 |
| Loan loss allowance to noncurrent loans | 1,347.5728% | 275 |
| Noncurrent assets plus other real estate owned to assets | 0.0736% | 7,398 |
| Noncurrent loans to loans | 0.0857% | 7,311 |
| Net loans and leases to total assets | 84.9548% | 517 |
| Net loans and leases to deposits | 97.7378% | 1,561 |
| Net loans and leases to core deposits | 136.4029% | 1,189 |
| Total domestic deposits to total assets | 86.9212% | 2,296 |
| Equity capital to assets | 12.9072% | 1,731 |
| Core capital (leverage) ratio | 12.8631% | 1,475 |
| Tier 1 risk-based capital ratio | 15.6540% | 2,747 |
| Total risk-based capital ratio | 16.8736% | 2,690 |
| Memoranda: | ||
| Average total assets | $134,646,670 | 4,290 |
| Average earning assets | $131,789,330 | 4,106 |
| Average equity | $17,975,670 | 3,551 |
| Average total loans | $116,530,670 | 3,614 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5450% | 4,666 |
| Cost of funding earning assets | 2.9717% | 646 |
| Net interest margin | 2.5732% | 7,404 |
| Noninterest income to average assets | 0.0394% | 7,888 |
| Noninterest expense to average assets | 2.3235% | 6,453 |
| Loan and lease loss provision to assets | 0.1151% | 5,493 |
| Net operating income to assets | 0.1242% | 5,903 |
| Return on assets (ROA) | 0.1787% | 5,895 |
| Pretax return on assets | 0.1787% | 5,988 |
| Return on Equity (ROE) | 1.3156% | 6,034 |
| Retained earnings to average equity (ytd only) | 1.3156% | 5,109 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.6619% | 1,677 |
| Assets per employee ($millions) | 7.5101% | 618 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1300% | 5,261 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,590 |
| Net loans and leases to total assets | 85.1119% | 535 |
| Net loans and leases to deposits | 98.3124% | 1,620 |
| Net loans and leases to core deposits | 137.4476% | 1,224 |
| Total domestic deposits to total assets | 86.5729% | 2,413 |
| Equity capital to assets | 13.2947% | 1,619 |
| Core capital (leverage) ratio | 13.4422% | 1,344 |
| Tier 1 risk-based capital ratio | 16.0290% | 2,684 |
| Total risk-based capital ratio | 17.2189% | 2,638 |
| Memoranda: | ||
| Average total assets | $132,044,000 | 4,373 |
| Average earning assets | $129,486,500 | 4,167 |
| Average equity | $17,938,000 | 3,570 |
| Average total loans | $114,696,500 | 3,680 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9649% | 5,728 |
| Cost of funding earning assets | 3.3143% | 884 |
| Net interest margin | 2.6506% | 7,578 |
| Noninterest income to average assets | 0.0549% | 7,868 |
| Noninterest expense to average assets | 3.1340% | 3,567 |
| Loan and lease loss provision to assets | 0.6300% | 2,309 |
| Net operating income to assets | -1.1158% | 7,297 |
| Return on assets (ROA) | -1.1158% | 7,239 |
| Pretax return on assets | -1.1158% | 7,067 |
| Return on Equity (ROE) | -6.2160% | 6,977 |
| Retained earnings to average equity (ytd only) | -6.2160% | 6,689 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 118.3408% | 593 |
| Assets per employee ($millions) | 6.7845% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1299% | 5,064 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 86.6872% | 512 |
| Net loans and leases to deposits | 102.2183% | 1,570 |
| Net loans and leases to core deposits | 141.4494% | 1,189 |
| Total domestic deposits to total assets | 84.8060% | 2,931 |
| Equity capital to assets | 13.8892% | 1,466 |
| Core capital (leverage) ratio | 15.6791% | 885 |
| Tier 1 risk-based capital ratio | 16.1622% | 2,601 |
| Total risk-based capital ratio | 17.3334% | 2,577 |
| Memoranda: | ||
| Average total assets | $92,851,400 | 5,265 |
| Average earning assets | $90,848,200 | 5,055 |
| Average equity | $16,666,800 | 3,794 |
| Average total loans | $78,966,800 | 4,556 |