Home > Middleton Community Bank > Performance and Condition Ratios
Middleton Community Bank, Performance and Condition Ratios
| 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 | 3.8402% | 3,620 |
| Cost of funding earning assets | 0.4728% | 2,330 |
| Net interest margin | 3.3673% | 3,775 |
| Noninterest income to average assets | 0.5875% | 2,474 |
| Noninterest expense to average assets | 4.1045% | 477 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | -0.1936% | 5,677 |
| Return on assets (ROA) | -0.1936% | 5,676 |
| Pretax return on assets | -0.4606% | 5,723 |
| Return on Equity (ROE) | -1.4990% | 5,669 |
| Retained earnings to average equity (ytd only) | -157.2107% | 5,851 |
| Net charge-offs to loans | -0.0238% | 4,829 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 108.1867% | 143 |
| Assets per employee ($millions) | 7.0796% | 913 |
| Cash dividends to net income (ytd only)* | -10,387.8378% | 5,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0000% | 5,804 |
| Loan loss allowance to noncurrent loans | 0.0000% | 5,273 |
| Noncurrent assets plus other real estate owned to assets | 0.5410% | 3,066 |
| Noncurrent loans to loans | 0.9312% | 2,176 |
| Net loans and leases to total assets | 58.1025% | 3,962 |
| Net loans and leases to deposits | 68.4017% | 3,957 |
| Net loans and leases to core deposits | 85.6341% | 2,753 |
| Total domestic deposits to total assets | 84.9430% | 3,111 |
| Equity capital to assets | 13.1931% | 1,189 |
| Core capital (leverage) ratio | 8.2832% | 5,388 |
| Tier 1 risk-based capital ratio | 10.2646% | 5,629 |
| Total risk-based capital ratio | 10.2646% | 5,806 |
| Memoranda: | ||
| Average total assets | $305,711,000 | 2,171 |
| Average earning assets | $277,489,000 | 2,203 |
| Average equity | $39,493,500 | 1,892 |
| Average total loans | $184,990,500 | 2,318 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6734% | 4,301 |
| Cost of funding earning assets | 0.5096% | 2,018 |
| Net interest margin | 3.1638% | 4,553 |
| Noninterest income to average assets | 1.0282% | 1,069 |
| Noninterest expense to average assets | 2.2713% | 4,614 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.1259% | 1,796 |
| Return on assets (ROA) | 1.1263% | 1,879 |
| Pretax return on assets | 1.7206% | 950 |
| Return on Equity (ROE) | 8.7717% | 2,526 |
| Retained earnings to average equity (ytd only) | 8.1132% | 815 |
| Net charge-offs to loans | 0.0457% | 3,125 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 57.7841% | 918 |
| Efficiency ratio | 56.9068% | 4,961 |
| Assets per employee ($millions) | 7.1395% | 864 |
| Cash dividends to net income (ytd only)* | 7.5075% | 4,069 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 4,172 |
| Loan loss allowance to noncurrent loans | 118.9417% | 3,273 |
| Noncurrent assets plus other real estate owned to assets | 0.5876% | 2,969 |
| Noncurrent loans to loans | 0.8612% | 2,376 |
| Net loans and leases to total assets | 62.2561% | 3,576 |
| Net loans and leases to deposits | 72.3402% | 3,678 |
| Net loans and leases to core deposits | 91.0175% | 2,406 |
| Total domestic deposits to total assets | 86.0602% | 2,551 |
| Equity capital to assets | 12.6463% | 1,432 |
| Core capital (leverage) ratio | 13.1160% | 1,096 |
| Tier 1 risk-based capital ratio | 16.9688% | 2,170 |
| Total risk-based capital ratio | 17.8226% | 2,259 |
| Memoranda: | ||
| Average total assets | $295,648,200 | 2,188 |
| Average earning assets | $276,885,200 | 2,173 |
| Average equity | $37,962,800 | 1,928 |
| Average total loans | $192,520,600 | 2,180 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7237% | 4,172 |
| Cost of funding earning assets | 0.5107% | 2,009 |
| Net interest margin | 3.2130% | 4,458 |
| Noninterest income to average assets | 1.1179% | 917 |
| Noninterest expense to average assets | 2.3441% | 4,422 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.1648% | 1,751 |
| Return on assets (ROA) | 1.1648% | 1,854 |
| Pretax return on assets | 1.7845% | 922 |
| Return on Equity (ROE) | 9.0352% | 2,465 |
| Retained earnings to average equity (ytd only) | 8.1522% | 1,108 |
| Net charge-offs to loans | 0.0776% | 2,210 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 34.9910% | 1,344 |
| Efficiency ratio | 56.7773% | 4,983 |
| Assets per employee ($millions) | 6.3388% | 1,212 |
| Cash dividends to net income (ytd only)* | 9.7734% | 3,556 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 4,376 |
| Loan loss allowance to noncurrent loans | 100.8256% | 3,609 |
| Noncurrent assets plus other real estate owned to assets | 0.6646% | 2,912 |
| Noncurrent loans to loans | 0.9969% | 2,252 |
| Net loans and leases to total assets | 66.0017% | 3,119 |
| Net loans and leases to deposits | 77.4965% | 3,244 |
| Net loans and leases to core deposits | 99.0102% | 1,724 |
| Total domestic deposits to total assets | 85.1673% | 2,729 |
| Equity capital to assets | 13.3656% | 1,312 |
| Core capital (leverage) ratio | 13.1750% | 1,121 |
| Tier 1 risk-based capital ratio | 16.8630% | 2,274 |
| Total risk-based capital ratio | 17.7164% | 2,382 |
| Memoranda: | ||
| Average total assets | $292,810,750 | 2,216 |
| Average earning assets | $274,381,000 | 2,194 |
| Average equity | $37,747,500 | 1,948 |
| Average total loans | $192,375,000 | 2,182 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7261% | 4,205 |
| Cost of funding earning assets | 0.5042% | 2,068 |
| Net interest margin | 3.2219% | 4,480 |
| Noninterest income to average assets | 1.2496% | 727 |
| Noninterest expense to average assets | 2.3389% | 4,503 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.2468% | 1,440 |
| Return on assets (ROA) | 1.2468% | 1,548 |
| Pretax return on assets | 1.9269% | 663 |
| Return on Equity (ROE) | 9.7913% | 2,140 |
| Retained earnings to average equity (ytd only) | 9.5235% | 708 |
| Net charge-offs to loans | 0.0584% | 2,355 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 50.4464% | 989 |
| Efficiency ratio | 54.8289% | 5,250 |
| Assets per employee ($millions) | 6.2370% | 1,245 |
| Cash dividends to net income (ytd only)* | 2.7352% | 3,589 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0288% | 4,354 |
| Loan loss allowance to noncurrent loans | 92.4988% | 3,870 |
| Noncurrent assets plus other real estate owned to assets | 0.7413% | 2,757 |
| Noncurrent loans to loans | 1.1123% | 2,070 |
| Net loans and leases to total assets | 65.9607% | 3,091 |
| Net loans and leases to deposits | 77.0892% | 3,256 |
| Net loans and leases to core deposits | 100.7498% | 1,583 |
| Total domestic deposits to total assets | 85.5641% | 2,622 |
| Equity capital to assets | 13.1870% | 1,397 |
| Core capital (leverage) ratio | 12.9438% | 1,174 |
| Tier 1 risk-based capital ratio | 16.5049% | 2,426 |
| Total risk-based capital ratio | 17.3760% | 2,527 |
| Memoranda: | ||
| Average total assets | $293,219,330 | 2,223 |
| Average earning assets | $274,495,670 | 2,208 |
| Average equity | $37,339,330 | 1,975 |
| Average total loans | $191,698,330 | 2,193 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7177% | 4,258 |
| Cost of funding earning assets | 0.4966% | 2,137 |
| Net interest margin | 3.2211% | 4,508 |
| Noninterest income to average assets | 0.7079% | 2,005 |
| Noninterest expense to average assets | 2.3651% | 4,475 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9002% | 2,754 |
| Return on assets (ROA) | 0.9002% | 2,883 |
| Pretax return on assets | 1.3599% | 2,046 |
| Return on Equity (ROE) | 7.1972% | 3,344 |
| Retained earnings to average equity (ytd only) | 7.1972% | 1,791 |
| Net charge-offs to loans | 0.2001% | 997 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 10.4947% | 1,917 |
| Efficiency ratio | 63.4932% | 4,220 |
| Assets per employee ($millions) | 5.7531% | 1,620 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0237% | 4,476 |
| Loan loss allowance to noncurrent loans | 119.1657% | 3,240 |
| Noncurrent assets plus other real estate owned to assets | 0.5637% | 3,372 |
| Noncurrent loans to loans | 0.8591% | 2,701 |
| Net loans and leases to total assets | 64.9480% | 3,115 |
| Net loans and leases to deposits | 75.6030% | 3,265 |
| Net loans and leases to core deposits | 97.1744% | 1,692 |
| Total domestic deposits to total assets | 85.9066% | 2,707 |
| Equity capital to assets | 12.6950% | 1,563 |
| Core capital (leverage) ratio | 12.7601% | 1,251 |
| Tier 1 risk-based capital ratio | 16.1908% | 2,590 |
| Total risk-based capital ratio | 17.0598% | 2,706 |
| Memoranda: | ||
| Average total assets | $293,260,000 | 2,228 |
| Average earning assets | $274,689,500 | 2,212 |
| Average equity | $36,681,000 | 2,005 |
| Average total loans | $189,864,500 | 2,213 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7660% | 4,145 |
| Cost of funding earning assets | 0.4537% | 2,593 |
| Net interest margin | 3.3123% | 4,244 |
| Noninterest income to average assets | 0.7183% | 2,109 |
| Noninterest expense to average assets | 2.4395% | 4,413 |
| Loan and lease loss provision to assets | -0.8220% | 6,165 |
| Net operating income to assets | 1.4095% | 1,024 |
| Return on assets (ROA) | 1.4095% | 1,062 |
| Pretax return on assets | 2.1822% | 355 |
| Return on Equity (ROE) | 11.4623% | 1,452 |
| Retained earnings to average equity (ytd only) | 10.2272% | 435 |
| Net charge-offs to loans | -0.1437% | 5,885 |
| Credit loss provision to net charge-offs | 912.6984% | 369 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.2024% | 4,218 |
| Assets per employee ($millions) | 5.5304% | 1,763 |
| Cash dividends to net income (ytd only)* | 10.7759% | 4,064 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 4,033 |
| Loan loss allowance to noncurrent loans | 123.1228% | 3,208 |
| Noncurrent assets plus other real estate owned to assets | 0.5885% | 3,320 |
| Noncurrent loans to loans | 0.8964% | 2,549 |
| Net loans and leases to total assets | 63.1599% | 3,390 |
| Net loans and leases to deposits | 73.1285% | 3,598 |
| Net loans and leases to core deposits | 92.1081% | 2,206 |
| Total domestic deposits to total assets | 86.3684% | 2,450 |
| Equity capital to assets | 12.3208% | 1,722 |
| Core capital (leverage) ratio | 12.5180% | 1,340 |
| Tier 1 risk-based capital ratio | 16.0964% | 2,648 |
| Total risk-based capital ratio | 17.0184% | 2,736 |
| Memoranda: | ||
| Average total assets | $279,809,000 | 2,276 |
| Average earning assets | $260,301,000 | 2,264 |
| Average equity | $34,408,400 | 2,070 |
| Average total loans | $175,395,000 | 2,292 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7924% | 4,108 |
| Cost of funding earning assets | 0.4491% | 2,696 |
| Net interest margin | 3.3433% | 4,165 |
| Noninterest income to average assets | 0.7127% | 2,173 |
| Noninterest expense to average assets | 2.4826% | 4,252 |
| Loan and lease loss provision to assets | -0.6269% | 6,232 |
| Net operating income to assets | 1.2779% | 1,400 |
| Return on assets (ROA) | 1.2779% | 1,457 |
| Pretax return on assets | 1.9588% | 653 |
| Return on Equity (ROE) | 10.3974% | 1,932 |
| Retained earnings to average equity (ytd only) | 10.3974% | 570 |
| Net charge-offs to loans | -0.3008% | 6,083 |
| Credit loss provision to net charge-offs | 334.1902% | 874 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0822% | 4,048 |
| Assets per employee ($millions) | 5.3512% | 1,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7589% | 1,344 |
| Loan loss allowance to noncurrent loans | 193.0681% | 2,329 |
| Noncurrent assets plus other real estate owned to assets | 0.6555% | 3,288 |
| Noncurrent loans to loans | 0.9110% | 2,697 |
| Net loans and leases to total assets | 63.0794% | 3,442 |
| Net loans and leases to deposits | 73.3445% | 3,610 |
| Net loans and leases to core deposits | 93.2938% | 2,147 |
| Total domestic deposits to total assets | 86.0042% | 2,518 |
| Equity capital to assets | 12.5653% | 1,707 |
| Core capital (leverage) ratio | 12.7774% | 1,284 |
| Tier 1 risk-based capital ratio | 16.2495% | 2,693 |
| Total risk-based capital ratio | 17.5024% | 2,644 |
| Memoranda: | ||
| Average total assets | $276,483,000 | 2,312 |
| Average earning assets | $256,506,750 | 2,303 |
| Average equity | $33,982,000 | 2,105 |
| Average total loans | $172,444,750 | 2,336 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8138% | 4,014 |
| Cost of funding earning assets | 0.4419% | 2,816 |
| Net interest margin | 3.3719% | 4,007 |
| Noninterest income to average assets | 0.7034% | 2,201 |
| Noninterest expense to average assets | 2.4589% | 4,365 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.9179% | 2,792 |
| Return on assets (ROA) | 0.9179% | 2,919 |
| Pretax return on assets | 1.3622% | 2,140 |
| Return on Equity (ROE) | 7.5261% | 3,305 |
| Retained earnings to average equity (ytd only) | 7.5261% | 1,459 |
| Net charge-offs to loans | 0.1466% | 1,611 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 15.0565% | 2,004 |
| Efficiency ratio | 64.3498% | 4,298 |
| Assets per employee ($millions) | 5.1599% | 2,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2723% | 660 |
| Loan loss allowance to noncurrent loans | 188.2964% | 2,338 |
| Noncurrent assets plus other real estate owned to assets | 0.7748% | 3,068 |
| Noncurrent loans to loans | 1.2068% | 2,243 |
| Net loans and leases to total assets | 62.7500% | 3,441 |
| Net loans and leases to deposits | 72.7023% | 3,651 |
| Net loans and leases to core deposits | 89.7760% | 2,372 |
| Total domestic deposits to total assets | 86.3109% | 2,521 |
| Equity capital to assets | 12.4089% | 1,712 |
| Core capital (leverage) ratio | 12.3295% | 1,470 |
| Tier 1 risk-based capital ratio | 16.2302% | 2,743 |
| Total risk-based capital ratio | 17.4884% | 2,690 |
| Memoranda: | ||
| Average total assets | $274,106,000 | 2,345 |
| Average earning assets | $253,446,670 | 2,343 |
| Average equity | $33,430,330 | 2,137 |
| Average total loans | $169,224,670 | 2,381 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8068% | 3,985 |
| Cost of funding earning assets | 0.4361% | 2,916 |
| Net interest margin | 3.3706% | 3,948 |
| Noninterest income to average assets | 0.6399% | 2,451 |
| Noninterest expense to average assets | 2.4896% | 4,296 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.8556% | 2,984 |
| Return on assets (ROA) | 0.8556% | 3,103 |
| Pretax return on assets | 1.2594% | 2,430 |
| Return on Equity (ROE) | 7.0770% | 3,466 |
| Retained earnings to average equity (ytd only) | 7.0770% | 1,979 |
| Net charge-offs to loans | 0.1060% | 1,677 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 19.6364% | 1,441 |
| Efficiency ratio | 66.4075% | 4,077 |
| Assets per employee ($millions) | 5.2132% | 2,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3813% | 635 |
| Loan loss allowance to noncurrent loans | 190.1869% | 2,319 |
| Noncurrent assets plus other real estate owned to assets | 0.8205% | 3,049 |
| Noncurrent loans to loans | 1.2521% | 2,283 |
| Net loans and leases to total assets | 60.3852% | 3,596 |
| Net loans and leases to deposits | 69.7720% | 3,774 |
| Net loans and leases to core deposits | 86.0829% | 2,541 |
| Total domestic deposits to total assets | 86.5466% | 2,636 |
| Equity capital to assets | 12.1614% | 1,917 |
| Core capital (leverage) ratio | 12.3911% | 1,404 |
| Tier 1 risk-based capital ratio | 16.5480% | 2,664 |
| Total risk-based capital ratio | 17.8070% | 2,605 |
| Memoranda: | ||
| Average total assets | $274,422,000 | 2,355 |
| Average earning assets | $253,129,000 | 2,363 |
| Average equity | $33,178,000 | 2,164 |
| Average total loans | $166,039,500 | 2,424 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8954% | 4,134 |
| Cost of funding earning assets | 0.4281% | 3,403 |
| Net interest margin | 3.4673% | 3,908 |
| Noninterest income to average assets | 0.7049% | 2,281 |
| Noninterest expense to average assets | 2.4402% | 4,728 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9949% | 2,409 |
| Return on assets (ROA) | 0.9949% | 2,484 |
| Pretax return on assets | 1.4740% | 1,639 |
| Return on Equity (ROE) | 8.2677% | 2,985 |
| Retained earnings to average equity (ytd only) | 7.4771% | 1,206 |
| Net charge-offs to loans | 0.6801% | 548 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 3.5722% | 3,855 |
| Efficiency ratio | 62.3426% | 4,860 |
| Assets per employee ($millions) | 5.0471% | 2,262 |
| Cash dividends to net income (ytd only)* | 9.5622% | 4,131 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5527% | 518 |
| Loan loss allowance to noncurrent loans | 189.4107% | 2,341 |
| Noncurrent assets plus other real estate owned to assets | 0.8435% | 3,101 |
| Noncurrent loans to loans | 1.3477% | 2,185 |
| Net loans and leases to total assets | 57.6239% | 4,102 |
| Net loans and leases to deposits | 66.5367% | 4,263 |
| Net loans and leases to core deposits | 77.9188% | 3,530 |
| Total domestic deposits to total assets | 86.6047% | 2,505 |
| Equity capital to assets | 12.0179% | 2,008 |
| Core capital (leverage) ratio | 12.4197% | 1,392 |
| Tier 1 risk-based capital ratio | 17.4525% | 2,335 |
| Total risk-based capital ratio | 18.7142% | 2,297 |
| Memoranda: | ||
| Average total assets | $261,736,200 | 2,411 |
| Average earning assets | $242,260,400 | 2,409 |
| Average equity | $31,496,200 | 2,195 |
| Average total loans | $158,808,600 | 2,441 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9332% | 4,039 |
| Cost of funding earning assets | 0.4292% | 3,473 |
| Net interest margin | 3.5040% | 3,811 |
| Noninterest income to average assets | 0.6974% | 2,339 |
| Noninterest expense to average assets | 2.4593% | 4,645 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.0001% | 2,450 |
| Return on assets (ROA) | 1.0001% | 2,515 |
| Pretax return on assets | 1.4824% | 1,702 |
| Return on Equity (ROE) | 8.3081% | 3,034 |
| Retained earnings to average equity (ytd only) | 8.3081% | 1,217 |
| Net charge-offs to loans | 0.2107% | 1,783 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 11.5198% | 2,421 |
| Efficiency ratio | 62.3923% | 4,830 |
| Assets per employee ($millions) | 4.9715% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1308% | 315 |
| Loan loss allowance to noncurrent loans | 157.8544% | 2,608 |
| Noncurrent assets plus other real estate owned to assets | 1.2816% | 2,403 |
| Noncurrent loans to loans | 1.9833% | 1,607 |
| Net loans and leases to total assets | 58.0557% | 4,058 |
| Net loans and leases to deposits | 67.1183% | 4,226 |
| Net loans and leases to core deposits | 78.9244% | 3,449 |
| Total domestic deposits to total assets | 86.4975% | 2,591 |
| Equity capital to assets | 12.2562% | 1,860 |
| Core capital (leverage) ratio | 12.5812% | 1,361 |
| Tier 1 risk-based capital ratio | 17.7014% | 2,317 |
| Total risk-based capital ratio | 18.9695% | 2,268 |
| Memoranda: | ||
| Average total assets | $259,034,500 | 2,461 |
| Average earning assets | $239,834,250 | 2,442 |
| Average equity | $31,181,750 | 2,217 |
| Average total loans | $158,219,750 | 2,464 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9612% | 3,894 |
| Cost of funding earning assets | 0.4305% | 3,546 |
| Net interest margin | 3.5307% | 3,653 |
| Noninterest income to average assets | 0.7105% | 2,223 |
| Noninterest expense to average assets | 2.5021% | 4,569 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.9893% | 2,364 |
| Return on assets (ROA) | 0.9893% | 2,445 |
| Pretax return on assets | 1.4754% | 1,620 |
| Return on Equity (ROE) | 8.2698% | 2,949 |
| Retained earnings to average equity (ytd only) | 8.2698% | 1,227 |
| Net charge-offs to loans | 0.3120% | 1,296 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 7.6923% | 2,594 |
| Efficiency ratio | 62.9051% | 4,874 |
| Assets per employee ($millions) | 4.8045% | 2,468 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0637% | 356 |
| Loan loss allowance to noncurrent loans | 233.9007% | 1,877 |
| Noncurrent assets plus other real estate owned to assets | 0.9096% | 3,268 |
| Noncurrent loans to loans | 1.3098% | 2,620 |
| Net loans and leases to total assets | 60.3317% | 3,667 |
| Net loans and leases to deposits | 69.8030% | 3,848 |
| Net loans and leases to core deposits | 82.2273% | 2,945 |
| Total domestic deposits to total assets | 86.4314% | 2,800 |
| Equity capital to assets | 12.2308% | 1,834 |
| Core capital (leverage) ratio | 12.4035% | 1,444 |
| Tier 1 risk-based capital ratio | 17.1432% | 2,560 |
| Total risk-based capital ratio | 18.4108% | 2,516 |
| Memoranda: | ||
| Average total assets | $257,548,670 | 2,475 |
| Average earning assets | $238,311,000 | 2,465 |
| Average equity | $30,811,000 | 2,227 |
| Average total loans | $158,321,000 | 2,471 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9824% | 3,761 |
| Cost of funding earning assets | 0.4344% | 3,604 |
| Net interest margin | 3.5479% | 3,495 |
| Noninterest income to average assets | 0.6500% | 2,462 |
| Noninterest expense to average assets | 2.5503% | 4,447 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.9415% | 2,447 |
| Return on assets (ROA) | 0.9415% | 2,519 |
| Pretax return on assets | 1.3843% | 1,806 |
| Return on Equity (ROE) | 7.9603% | 2,949 |
| Retained earnings to average equity (ytd only) | 7.9603% | 1,609 |
| Net charge-offs to loans | -0.0306% | 5,570 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.8177% | 4,727 |
| Assets per employee ($millions) | 4.7931% | 2,527 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3087% | 321 |
| Loan loss allowance to noncurrent loans | 208.2400% | 2,019 |
| Noncurrent assets plus other real estate owned to assets | 1.1127% | 3,032 |
| Noncurrent loans to loans | 1.5889% | 2,430 |
| Net loans and leases to total assets | 58.7791% | 3,729 |
| Net loans and leases to deposits | 67.6388% | 3,897 |
| Net loans and leases to core deposits | 78.6483% | 3,129 |
| Total domestic deposits to total assets | 86.9014% | 2,869 |
| Equity capital to assets | 11.9032% | 1,937 |
| Core capital (leverage) ratio | 12.2015% | 1,535 |
| Tier 1 risk-based capital ratio | 17.1134% | 2,636 |
| Total risk-based capital ratio | 18.3834% | 2,580 |
| Memoranda: | ||
| Average total assets | $256,601,000 | 2,491 |
| Average earning assets | $237,548,000 | 2,473 |
| Average equity | $30,350,500 | 2,254 |
| Average total loans | $156,744,500 | 2,500 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0388% | 3,957 |
| Cost of funding earning assets | 0.5079% | 3,527 |
| Net interest margin | 3.5309% | 3,759 |
| Noninterest income to average assets | 0.8270% | 1,952 |
| Noninterest expense to average assets | 2.3909% | 5,097 |
| Loan and lease loss provision to assets | 0.2545% | 1,416 |
| Net operating income to assets | 0.9968% | 2,332 |
| Return on assets (ROA) | 0.9968% | 2,407 |
| Pretax return on assets | 1.4597% | 1,584 |
| Return on Equity (ROE) | 8.3332% | 2,870 |
| Retained earnings to average equity (ytd only) | 7.6966% | 1,152 |
| Net charge-offs to loans | 0.1068% | 3,762 |
| Credit loss provision to net charge-offs | 388.1988% | 584 |
| Earnings coverage of net charge-offs (x) | 26.1491% | 1,304 |
| Efficiency ratio | 58.2424% | 5,707 |
| Assets per employee ($millions) | 4.7106% | 2,572 |
| Cash dividends to net income (ytd only)* | 7.6389% | 4,096 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3264% | 334 |
| Loan loss allowance to noncurrent loans | 211.5682% | 1,998 |
| Noncurrent assets plus other real estate owned to assets | 1.1145% | 3,177 |
| Noncurrent loans to loans | 1.5723% | 2,540 |
| Net loans and leases to total assets | 59.3426% | 3,821 |
| Net loans and leases to deposits | 68.2672% | 4,013 |
| Net loans and leases to core deposits | 79.6331% | 3,173 |
| Total domestic deposits to total assets | 86.9270% | 2,763 |
| Equity capital to assets | 11.7513% | 1,984 |
| Core capital (leverage) ratio | 12.0164% | 1,596 |
| Tier 1 risk-based capital ratio | 16.8884% | 2,665 |
| Total risk-based capital ratio | 18.1583% | 2,615 |
| Memoranda: | ||
| Average total assets | $245,597,200 | 2,573 |
| Average earning assets | $228,013,600 | 2,532 |
| Average equity | $29,376,600 | 2,288 |
| Average total loans | $150,749,600 | 2,548 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0323% | 4,004 |
| Cost of funding earning assets | 0.5218% | 3,547 |
| Net interest margin | 3.5105% | 3,831 |
| Noninterest income to average assets | 0.8770% | 1,836 |
| Noninterest expense to average assets | 2.3669% | 5,127 |
| Loan and lease loss provision to assets | 0.3424% | 948 |
| Net operating income to assets | 0.9811% | 2,461 |
| Return on assets (ROA) | 0.9811% | 2,565 |
| Pretax return on assets | 1.4291% | 1,835 |
| Return on Equity (ROE) | 8.1645% | 3,039 |
| Retained earnings to average equity (ytd only) | 8.1645% | 1,350 |
| Net charge-offs to loans | -0.0651% | 6,387 |
| Credit loss provision to net charge-offs | -856.1644% | 6,157 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1939% | 5,777 |
| Assets per employee ($millions) | 4.8818% | 2,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5747% | 312 |
| Loan loss allowance to noncurrent loans | 209.1715% | 1,915 |
| Noncurrent assets plus other real estate owned to assets | 1.3181% | 3,011 |
| Noncurrent loans to loans | 1.7090% | 2,630 |
| Net loans and leases to total assets | 57.6782% | 4,062 |
| Net loans and leases to deposits | 66.3069% | 4,267 |
| Net loans and leases to core deposits | 79.6089% | 3,166 |
| Total domestic deposits to total assets | 86.9867% | 2,699 |
| Equity capital to assets | 11.7000% | 2,127 |
| Core capital (leverage) ratio | 12.1583% | 1,585 |
| Tier 1 risk-based capital ratio | 16.9510% | 2,730 |
| Total risk-based capital ratio | 18.2235% | 2,682 |
| Memoranda: | ||
| Average total assets | $243,403,500 | 2,606 |
| Average earning assets | $226,133,250 | 2,565 |
| Average equity | $29,247,750 | 2,318 |
| Average total loans | $149,400,750 | 2,572 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0903% | 3,775 |
| Cost of funding earning assets | 0.5363% | 3,534 |
| Net interest margin | 3.5540% | 3,548 |
| Noninterest income to average assets | 0.9195% | 1,748 |
| Noninterest expense to average assets | 2.3166% | 5,314 |
| Loan and lease loss provision to assets | 0.4585% | 627 |
| Net operating income to assets | 0.9962% | 2,344 |
| Return on assets (ROA) | 0.9962% | 2,484 |
| Pretax return on assets | 1.4480% | 1,772 |
| Return on Equity (ROE) | 8.2140% | 2,979 |
| Retained earnings to average equity (ytd only) | 8.2140% | 1,396 |
| Net charge-offs to loans | -0.0875% | 6,466 |
| Credit loss provision to net charge-offs | -846.1538% | 6,007 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.8559% | 6,070 |
| Assets per employee ($millions) | 4.8928% | 2,240 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5156% | 364 |
| Loan loss allowance to noncurrent loans | 376.4085% | 1,130 |
| Noncurrent assets plus other real estate owned to assets | 0.8874% | 4,022 |
| Noncurrent loans to loans | 0.9340% | 4,058 |
| Net loans and leases to total assets | 59.9626% | 3,661 |
| Net loans and leases to deposits | 69.9694% | 3,715 |
| Net loans and leases to core deposits | 86.3530% | 2,303 |
| Total domestic deposits to total assets | 85.6982% | 3,530 |
| Equity capital to assets | 11.8750% | 1,989 |
| Core capital (leverage) ratio | 12.2567% | 1,471 |
| Tier 1 risk-based capital ratio | 16.8526% | 2,767 |
| Total risk-based capital ratio | 18.1250% | 2,733 |
| Memoranda: | ||
| Average total assets | $239,919,670 | 2,651 |
| Average earning assets | $223,015,000 | 2,608 |
| Average equity | $29,096,670 | 2,335 |
| Average total loans | $148,585,330 | 2,590 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0691% | 3,849 |
| Cost of funding earning assets | 0.5634% | 3,446 |
| Net interest margin | 3.5056% | 3,670 |
| Noninterest income to average assets | 1.0726% | 1,292 |
| Noninterest expense to average assets | 2.3405% | 5,304 |
| Loan and lease loss provision to assets | 0.5051% | 533 |
| Net operating income to assets | 1.0254% | 2,124 |
| Return on assets (ROA) | 1.0254% | 2,238 |
| Pretax return on assets | 1.4851% | 1,602 |
| Return on Equity (ROE) | 8.3655% | 2,790 |
| Retained earnings to average equity (ytd only) | 8.3655% | 1,621 |
| Net charge-offs to loans | -0.2451% | 6,729 |
| Credit loss provision to net charge-offs | -333.3333% | 5,378 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.0435% | 6,227 |
| Assets per employee ($millions) | 4.8286% | 2,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5343% | 406 |
| Loan loss allowance to noncurrent loans | 317.8150% | 1,252 |
| Noncurrent assets plus other real estate owned to assets | 0.9899% | 3,950 |
| Noncurrent loans to loans | 1.1121% | 3,922 |
| Net loans and leases to total assets | 59.0641% | 3,596 |
| Net loans and leases to deposits | 68.6529% | 3,686 |
| Net loans and leases to core deposits | 83.2484% | 2,427 |
| Total domestic deposits to total assets | 86.0329% | 3,512 |
| Equity capital to assets | 12.4066% | 1,769 |
| Core capital (leverage) ratio | 12.3318% | 1,411 |
| Tier 1 risk-based capital ratio | 17.3788% | 2,614 |
| Total risk-based capital ratio | 18.6572% | 2,564 |
| Memoranda: | ||
| Average total assets | $237,559,000 | 2,702 |
| Average earning assets | $220,787,000 | 2,661 |
| Average equity | $29,119,500 | 2,365 |
| Average total loans | $146,859,000 | 2,633 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5842% | 3,063 |
| Cost of funding earning assets | 0.7476% | 3,103 |
| Net interest margin | 3.8366% | 3,079 |
| Noninterest income to average assets | 1.3756% | 825 |
| Noninterest expense to average assets | 2.6387% | 4,605 |
| Loan and lease loss provision to assets | 0.7783% | 632 |
| Net operating income to assets | 1.0338% | 2,193 |
| Return on assets (ROA) | 1.0550% | 2,299 |
| Pretax return on assets | 1.5455% | 1,538 |
| Return on Equity (ROE) | 8.5053% | 2,862 |
| Retained earnings to average equity (ytd only) | 8.0571% | 1,104 |
| Net charge-offs to loans | 1.1502% | 895 |
| Credit loss provision to net charge-offs | 104.2287% | 2,869 |
| Earnings coverage of net charge-offs (x) | 3.0703% | 3,901 |
| Efficiency ratio | 53.5083% | 6,321 |
| Assets per employee ($millions) | 5.0749% | 2,136 |
| Cash dividends to net income (ytd only)* | 5.2698% | 4,193 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1776% | 568 |
| Loan loss allowance to noncurrent loans | 303.5944% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.9597% | 4,108 |
| Noncurrent loans to loans | 1.0467% | 4,120 |
| Net loans and leases to total assets | 60.4241% | 3,530 |
| Net loans and leases to deposits | 70.1206% | 3,691 |
| Net loans and leases to core deposits | 86.2310% | 2,288 |
| Total domestic deposits to total assets | 86.1718% | 3,269 |
| Equity capital to assets | 12.1101% | 1,972 |
| Core capital (leverage) ratio | 12.1675% | 1,468 |
| Tier 1 risk-based capital ratio | 16.4196% | 2,931 |
| Total risk-based capital ratio | 17.6880% | 2,889 |
| Memoranda: | ||
| Average total assets | $224,842,600 | 2,787 |
| Average earning assets | $208,390,000 | 2,759 |
| Average equity | $27,888,400 | 2,402 |
| Average total loans | $145,976,000 | 2,630 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6486% | 3,021 |
| Cost of funding earning assets | 0.7908% | 3,022 |
| Net interest margin | 3.8578% | 3,086 |
| Noninterest income to average assets | 1.3669% | 798 |
| Noninterest expense to average assets | 2.6513% | 4,558 |
| Loan and lease loss provision to assets | 0.7978% | 591 |
| Net operating income to assets | 1.0261% | 2,383 |
| Return on assets (ROA) | 1.0261% | 2,601 |
| Pretax return on assets | 1.4957% | 1,896 |
| Return on Equity (ROE) | 8.2200% | 3,176 |
| Retained earnings to average equity (ytd only) | 8.2200% | 1,528 |
| Net charge-offs to loans | 1.4824% | 583 |
| Credit loss provision to net charge-offs | 82.0433% | 3,555 |
| Earnings coverage of net charge-offs (x) | 2.3585% | 4,099 |
| Efficiency ratio | 53.6167% | 6,294 |
| Assets per employee ($millions) | 4.8747% | 2,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9516% | 761 |
| Loan loss allowance to noncurrent loans | 670.0920% | 600 |
| Noncurrent assets plus other real estate owned to assets | 0.7951% | 4,716 |
| Noncurrent loans to loans | 0.4405% | 5,567 |
| Net loans and leases to total assets | 64.0638% | 3,015 |
| Net loans and leases to deposits | 74.8970% | 3,160 |
| Net loans and leases to core deposits | 97.5201% | 1,301 |
| Total domestic deposits to total assets | 85.5358% | 3,491 |
| Equity capital to assets | 12.7232% | 1,754 |
| Core capital (leverage) ratio | 12.4175% | 1,442 |
| Tier 1 risk-based capital ratio | 16.3298% | 3,098 |
| Total risk-based capital ratio | 17.5960% | 3,051 |
| Memoranda: | ||
| Average total assets | $221,423,500 | 2,846 |
| Average earning assets | $205,362,750 | 2,816 |
| Average equity | $27,639,250 | 2,446 |
| Average total loans | $145,256,750 | 2,669 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6402% | 3,182 |
| Cost of funding earning assets | 0.8217% | 3,015 |
| Net interest margin | 3.8186% | 3,277 |
| Noninterest income to average assets | 1.2862% | 859 |
| Noninterest expense to average assets | 2.6142% | 4,727 |
| Loan and lease loss provision to assets | 0.8617% | 559 |
| Net operating income to assets | 0.9488% | 2,663 |
| Return on assets (ROA) | 0.9488% | 2,926 |
| Pretax return on assets | 1.3470% | 2,398 |
| Return on Equity (ROE) | 7.6511% | 3,419 |
| Retained earnings to average equity (ytd only) | 7.6511% | 1,785 |
| Net charge-offs to loans | 0.6443% | 1,707 |
| Credit loss provision to net charge-offs | 204.3011% | 1,398 |
| Earnings coverage of net charge-offs (x) | 5.2366% | 2,876 |
| Efficiency ratio | 54.2035% | 6,300 |
| Assets per employee ($millions) | 4.8775% | 2,320 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5879% | 465 |
| Loan loss allowance to noncurrent loans | 213.3555% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 1.4004% | 3,626 |
| Noncurrent loans to loans | 1.6817% | 3,374 |
| Net loans and leases to total assets | 61.6082% | 3,510 |
| Net loans and leases to deposits | 71.5611% | 3,680 |
| Net loans and leases to core deposits | 95.2285% | 1,493 |
| Total domestic deposits to total assets | 86.0917% | 3,310 |
| Equity capital to assets | 12.3960% | 1,881 |
| Core capital (leverage) ratio | 12.2111% | 1,495 |
| Tier 1 risk-based capital ratio | 16.1424% | 3,100 |
| Total risk-based capital ratio | 17.4149% | 3,047 |
| Memoranda: | ||
| Average total assets | $220,486,000 | 2,864 |
| Average earning assets | $204,213,330 | 2,831 |
| Average equity | $27,342,330 | 2,459 |
| Average total loans | $144,334,670 | 2,701 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7070% | 3,028 |
| Cost of funding earning assets | 0.8614% | 2,982 |
| Net interest margin | 3.8456% | 3,153 |
| Noninterest income to average assets | 1.2629% | 891 |
| Noninterest expense to average assets | 2.6612% | 4,580 |
| Loan and lease loss provision to assets | 0.9151% | 480 |
| Net operating income to assets | 0.8895% | 2,968 |
| Return on assets (ROA) | 0.8895% | 3,190 |
| Pretax return on assets | 1.2574% | 2,700 |
| Return on Equity (ROE) | 7.1714% | 3,674 |
| Retained earnings to average equity (ytd only) | 7.1714% | 2,334 |
| Net charge-offs to loans | 0.2955% | 2,480 |
| Credit loss provision to net charge-offs | 467.2897% | 691 |
| Earnings coverage of net charge-offs (x) | 11.0935% | 1,698 |
| Efficiency ratio | 55.0549% | 6,221 |
| Assets per employee ($millions) | 4.7600% | 2,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5309% | 525 |
| Loan loss allowance to noncurrent loans | 276.2165% | 1,219 |
| Noncurrent assets plus other real estate owned to assets | 0.9499% | 4,609 |
| Noncurrent loans to loans | 1.2783% | 4,194 |
| Net loans and leases to total assets | 63.0387% | 3,036 |
| Net loans and leases to deposits | 74.1641% | 3,098 |
| Net loans and leases to core deposits | 98.5759% | 1,086 |
| Total domestic deposits to total assets | 84.9990% | 4,036 |
| Equity capital to assets | 12.4763% | 1,737 |
| Core capital (leverage) ratio | 12.2008% | 1,481 |
| Tier 1 risk-based capital ratio | 16.1125% | 3,117 |
| Total risk-based capital ratio | 17.3852% | 3,071 |
| Memoranda: | ||
| Average total assets | $218,547,500 | 2,910 |
| Average earning assets | $202,932,500 | 2,863 |
| Average equity | $27,107,500 | 2,466 |
| Average total loans | $144,817,000 | 2,707 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9644% | 3,055 |
| Cost of funding earning assets | 1.1596% | 2,284 |
| Net interest margin | 3.8047% | 3,794 |
| Noninterest income to average assets | 0.9328% | 1,556 |
| Noninterest expense to average assets | 2.5353% | 5,334 |
| Loan and lease loss provision to assets | 0.8325% | 1,170 |
| Net operating income to assets | 0.7978% | 3,043 |
| Return on assets (ROA) | 0.7978% | 3,210 |
| Pretax return on assets | 1.0854% | 2,894 |
| Return on Equity (ROE) | 6.7110% | 3,532 |
| Retained earnings to average equity (ytd only) | 6.7110% | 1,636 |
| Net charge-offs to loans | 0.2246% | 4,378 |
| Credit loss provision to net charge-offs | 540.5405% | 424 |
| Earnings coverage of net charge-offs (x) | 12.4535% | 1,619 |
| Efficiency ratio | 56.9322% | 6,196 |
| Assets per employee ($millions) | 4.9576% | 2,259 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1791% | 694 |
| Loan loss allowance to noncurrent loans | 325.1221% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 1.2763% | 4,091 |
| Noncurrent loans to loans | 0.9778% | 4,751 |
| Net loans and leases to total assets | 65.0484% | 2,979 |
| Net loans and leases to deposits | 76.6870% | 3,061 |
| Net loans and leases to core deposits | 104.2503% | 889 |
| Total domestic deposits to total assets | 84.8232% | 3,939 |
| Equity capital to assets | 12.3304% | 1,890 |
| Core capital (leverage) ratio | 11.8851% | 1,666 |
| Tier 1 risk-based capital ratio | 15.4722% | 3,345 |
| Total risk-based capital ratio | 16.6910% | 3,319 |
| Memoranda: | ||
| Average total assets | $216,227,800 | 2,878 |
| Average earning assets | $200,066,000 | 2,854 |
| Average equity | $25,704,200 | 2,508 |
| Average total loans | $148,238,600 | 2,666 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0001% | 3,086 |
| Cost of funding earning assets | 1.2220% | 2,174 |
| Net interest margin | 3.7781% | 3,976 |
| Noninterest income to average assets | 0.8435% | 1,862 |
| Noninterest expense to average assets | 2.5319% | 5,344 |
| Loan and lease loss provision to assets | 0.8343% | 1,108 |
| Net operating income to assets | 0.7298% | 3,464 |
| Return on assets (ROA) | 0.7298% | 3,646 |
| Pretax return on assets | 0.9739% | 3,504 |
| Return on Equity (ROE) | 6.1979% | 3,926 |
| Retained earnings to average equity (ytd only) | 6.1979% | 2,427 |
| Net charge-offs to loans | 0.1534% | 4,540 |
| Credit loss provision to net charge-offs | 789.4737% | 338 |
| Earnings coverage of net charge-offs (x) | 17.1115% | 1,364 |
| Efficiency ratio | 58.3369% | 5,964 |
| Assets per employee ($millions) | 4.9801% | 2,212 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9546% | 897 |
| Loan loss allowance to noncurrent loans | 265.0697% | 1,180 |
| Noncurrent assets plus other real estate owned to assets | 1.4877% | 3,886 |
| Noncurrent loans to loans | 1.1146% | 4,689 |
| Net loans and leases to total assets | 65.5197% | 2,997 |
| Net loans and leases to deposits | 76.7890% | 3,195 |
| Net loans and leases to core deposits | 108.4472% | 750 |
| Total domestic deposits to total assets | 85.3244% | 3,600 |
| Equity capital to assets | 12.0037% | 2,248 |
| Core capital (leverage) ratio | 11.8295% | 1,808 |
| Tier 1 risk-based capital ratio | 14.9206% | 3,708 |
| Total risk-based capital ratio | 16.1868% | 3,671 |
| Memoranda: | ||
| Average total assets | $215,750,750 | 2,893 |
| Average earning assets | $199,673,000 | 2,866 |
| Average equity | $25,406,000 | 2,533 |
| Average total loans | $148,660,000 | 2,681 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0236% | 3,045 |
| Cost of funding earning assets | 1.2773% | 2,077 |
| Net interest margin | 3.7463% | 4,050 |
| Noninterest income to average assets | 0.7129% | 2,478 |
| Noninterest expense to average assets | 2.5468% | 5,371 |
| Loan and lease loss provision to assets | 0.8387% | 1,079 |
| Net operating income to assets | 0.6281% | 3,917 |
| Return on assets (ROA) | 0.6281% | 4,040 |
| Pretax return on assets | 0.7930% | 4,058 |
| Return on Equity (ROE) | 5.3690% | 4,272 |
| Retained earnings to average equity (ytd only) | 5.3690% | 2,764 |
| Net charge-offs to loans | 0.1840% | 4,059 |
| Credit loss provision to net charge-offs | 656.9343% | 478 |
| Earnings coverage of net charge-offs (x) | 12.7810% | 1,599 |
| Efficiency ratio | 60.9500% | 5,734 |
| Assets per employee ($millions) | 4.8648% | 2,312 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6594% | 1,229 |
| Loan loss allowance to noncurrent loans | 364.5161% | 877 |
| Noncurrent assets plus other real estate owned to assets | 1.4109% | 4,103 |
| Noncurrent loans to loans | 0.7296% | 5,454 |
| Net loans and leases to total assets | 67.6298% | 2,687 |
| Net loans and leases to deposits | 80.0545% | 2,785 |
| Net loans and leases to core deposits | 112.3851% | 635 |
| Total domestic deposits to total assets | 84.4797% | 4,132 |
| Equity capital to assets | 11.9987% | 2,088 |
| Core capital (leverage) ratio | 11.5938% | 1,846 |
| Tier 1 risk-based capital ratio | 14.6314% | 3,705 |
| Total risk-based capital ratio | 15.8948% | 3,665 |
| Memoranda: | ||
| Average total assets | $214,626,000 | 2,917 |
| Average earning assets | $198,542,670 | 2,891 |
| Average equity | $25,107,000 | 2,549 |
| Average total loans | $148,899,670 | 2,702 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0154% | 3,032 |
| Cost of funding earning assets | 1.3145% | 2,100 |
| Net interest margin | 3.7010% | 4,096 |
| Noninterest income to average assets | 0.7166% | 2,477 |
| Noninterest expense to average assets | 2.6038% | 5,206 |
| Loan and lease loss provision to assets | 0.8375% | 990 |
| Net operating income to assets | 0.5826% | 4,122 |
| Return on assets (ROA) | 0.5826% | 4,191 |
| Pretax return on assets | 0.7128% | 4,254 |
| Return on Equity (ROE) | 5.0445% | 4,381 |
| Retained earnings to average equity (ytd only) | 5.0445% | 3,160 |
| Net charge-offs to loans | 0.0403% | 4,549 |
| Credit loss provision to net charge-offs | 3,000.0000% | 120 |
| Earnings coverage of net charge-offs (x) | 55.5333% | 532 |
| Efficiency ratio | 62.6792% | 5,569 |
| Assets per employee ($millions) | 4.9076% | 2,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4441% | 1,542 |
| Loan loss allowance to noncurrent loans | 443.3985% | 711 |
| Noncurrent assets plus other real estate owned to assets | 1.2749% | 4,405 |
| Noncurrent loans to loans | 0.5512% | 5,920 |
| Net loans and leases to total assets | 67.0435% | 2,748 |
| Net loans and leases to deposits | 79.2571% | 2,848 |
| Net loans and leases to core deposits | 117.1760% | 495 |
| Total domestic deposits to total assets | 84.5899% | 4,231 |
| Equity capital to assets | 11.6016% | 2,194 |
| Core capital (leverage) ratio | 11.6050% | 1,792 |
| Tier 1 risk-based capital ratio | 14.4097% | 3,798 |
| Total risk-based capital ratio | 15.6716% | 3,751 |
| Memoranda: | ||
| Average total assets | $214,914,500 | 2,939 |
| Average earning assets | $199,623,500 | 2,892 |
| Average equity | $24,819,000 | 2,562 |
| Average total loans | $148,991,500 | 2,725 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1562% | 3,824 |
| Cost of funding earning assets | 1.8018% | 1,169 |
| Net interest margin | 3.3545% | 5,776 |
| Noninterest income to average assets | 1.0939% | 1,246 |
| Noninterest expense to average assets | 2.4759% | 5,875 |
| Loan and lease loss provision to assets | 1.4248% | 1,054 |
| Net operating income to assets | 0.3295% | 4,827 |
| Return on assets (ROA) | 0.3295% | 4,986 |
| Pretax return on assets | 0.3123% | 5,198 |
| Return on Equity (ROE) | 2.8803% | 5,002 |
| Retained earnings to average equity (ytd only) | 2.8803% | 3,837 |
| Net charge-offs to loans | 0.9671% | 2,243 |
| Credit loss provision to net charge-offs | 206.7340% | 1,496 |
| Earnings coverage of net charge-offs (x) | 2.5205% | 3,850 |
| Efficiency ratio | 58.7685% | 6,237 |
| Assets per employee ($millions) | 5.0927% | 2,023 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1339% | 1,996 |
| Loan loss allowance to noncurrent loans | 525.0000% | 618 |
| Noncurrent assets plus other real estate owned to assets | 1.1889% | 4,636 |
| Noncurrent loans to loans | 0.4065% | 6,231 |
| Net loans and leases to total assets | 68.4422% | 2,877 |
| Net loans and leases to deposits | 81.0893% | 2,969 |
| Net loans and leases to core deposits | 118.9114% | 564 |
| Total domestic deposits to total assets | 84.4034% | 4,174 |
| Equity capital to assets | 11.4945% | 2,266 |
| Core capital (leverage) ratio | 11.1374% | 2,060 |
| Tier 1 risk-based capital ratio | 14.3225% | 3,661 |
| Total risk-based capital ratio | 15.5806% | 3,608 |
| Memoranda: | ||
| Average total assets | $215,476,200 | 2,919 |
| Average earning assets | $200,360,400 | 2,873 |
| Average equity | $24,650,200 | 2,586 |
| Average total loans | $153,556,000 | 2,712 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1794% | 3,942 |
| Cost of funding earning assets | 1.8942% | 1,046 |
| Net interest margin | 3.2852% | 6,066 |
| Noninterest income to average assets | 0.7980% | 2,244 |
| Noninterest expense to average assets | 2.3822% | 6,087 |
| Loan and lease loss provision to assets | 0.8770% | 1,733 |
| Net operating income to assets | 0.4997% | 4,316 |
| Return on assets (ROA) | 0.4997% | 4,508 |
| Pretax return on assets | 0.5948% | 4,612 |
| Return on Equity (ROE) | 4.3729% | 4,607 |
| Retained earnings to average equity (ytd only) | 4.3729% | 3,423 |
| Net charge-offs to loans | 0.9809% | 2,038 |
| Credit loss provision to net charge-offs | 124.8901% | 3,286 |
| Earnings coverage of net charge-offs (x) | 2.0959% | 4,151 |
| Efficiency ratio | 61.8109% | 5,651 |
| Assets per employee ($millions) | 5.3855% | 1,731 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2026% | 5,479 |
| Loan loss allowance to noncurrent loans | 155.4276% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 1.3636% | 4,445 |
| Noncurrent loans to loans | 0.7737% | 5,667 |
| Net loans and leases to total assets | 70.3206% | 2,660 |
| Net loans and leases to deposits | 83.2326% | 2,857 |
| Net loans and leases to core deposits | 125.6887% | 456 |
| Total domestic deposits to total assets | 84.4868% | 3,875 |
| Equity capital to assets | 11.4059% | 2,600 |
| Core capital (leverage) ratio | 11.2879% | 2,072 |
| Tier 1 risk-based capital ratio | 13.7785% | 3,996 |
| Total risk-based capital ratio | 14.8477% | 4,070 |
| Memoranda: | ||
| Average total assets | $215,872,000 | 2,968 |
| Average earning assets | $200,816,750 | 2,905 |
| Average equity | $24,666,250 | 2,632 |
| Average total loans | $154,548,750 | 2,736 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2118% | 3,888 |
| Cost of funding earning assets | 1.9818% | 951 |
| Net interest margin | 3.2300% | 6,218 |
| Noninterest income to average assets | 0.6937% | 2,745 |
| Noninterest expense to average assets | 2.3526% | 6,208 |
| Loan and lease loss provision to assets | 0.5321% | 2,655 |
| Net operating income to assets | 0.6414% | 3,670 |
| Return on assets (ROA) | 0.6414% | 3,818 |
| Pretax return on assets | 0.8262% | 3,795 |
| Return on Equity (ROE) | 5.6097% | 3,989 |
| Retained earnings to average equity (ytd only) | 5.6097% | 2,552 |
| Net charge-offs to loans | 0.0469% | 5,733 |
| Credit loss provision to net charge-offs | 1,583.3333% | 252 |
| Earnings coverage of net charge-offs (x) | 40.4167% | 723 |
| Efficiency ratio | 63.3962% | 5,450 |
| Assets per employee ($millions) | 5.4321% | 1,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4121% | 4,368 |
| Loan loss allowance to noncurrent loans | 87.7100% | 3,096 |
| Noncurrent assets plus other real estate owned to assets | 2.0882% | 3,395 |
| Noncurrent loans to loans | 1.6100% | 4,296 |
| Net loans and leases to total assets | 70.5569% | 2,782 |
| Net loans and leases to deposits | 83.8256% | 2,902 |
| Net loans and leases to core deposits | 138.4662% | 301 |
| Total domestic deposits to total assets | 84.1711% | 4,028 |
| Equity capital to assets | 11.7600% | 2,237 |
| Core capital (leverage) ratio | 11.3903% | 1,976 |
| Tier 1 risk-based capital ratio | 14.1245% | 3,650 |
| Total risk-based capital ratio | 15.3721% | 3,611 |
| Memoranda: | ||
| Average total assets | $214,227,330 | 3,006 |
| Average earning assets | $200,124,330 | 2,949 |
| Average equity | $24,493,330 | 2,641 |
| Average total loans | $153,677,670 | 2,778 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1924% | 4,063 |
| Cost of funding earning assets | 2.0397% | 975 |
| Net interest margin | 3.1527% | 6,446 |
| Noninterest income to average assets | 0.6703% | 2,806 |
| Noninterest expense to average assets | 2.3787% | 6,167 |
| Loan and lease loss provision to assets | 0.5014% | 2,489 |
| Net operating income to assets | 0.5942% | 3,915 |
| Return on assets (ROA) | 0.5942% | 4,061 |
| Pretax return on assets | 0.7409% | 4,089 |
| Return on Equity (ROE) | 5.2712% | 4,222 |
| Retained earnings to average equity (ytd only) | 5.2712% | 2,999 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6923% | 5,186 |
| Assets per employee ($millions) | 5.6288% | 1,558 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2305% | 5,331 |
| Loan loss allowance to noncurrent loans | 113.4139% | 2,436 |
| Noncurrent assets plus other real estate owned to assets | 1.5784% | 4,132 |
| Noncurrent loans to loans | 1.0850% | 5,186 |
| Net loans and leases to total assets | 70.4357% | 2,815 |
| Net loans and leases to deposits | 83.8805% | 2,957 |
| Net loans and leases to core deposits | 131.2172% | 461 |
| Total domestic deposits to total assets | 83.9714% | 4,159 |
| Equity capital to assets | 11.4281% | 2,420 |
| Core capital (leverage) ratio | 11.0292% | 2,212 |
| Tier 1 risk-based capital ratio | 13.8181% | 3,786 |
| Total risk-based capital ratio | 14.9046% | 3,850 |
| Memoranda: | ||
| Average total assets | $215,414,500 | 3,042 |
| Average earning assets | $201,602,500 | 2,972 |
| Average equity | $24,283,000 | 2,692 |
| Average total loans | $154,707,500 | 2,832 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2658% | 5,342 |
| Cost of funding earning assets | 2.4475% | 1,167 |
| Net interest margin | 2.8184% | 7,030 |
| Noninterest income to average assets | 0.8232% | 2,295 |
| Noninterest expense to average assets | 2.1689% | 7,052 |
| Loan and lease loss provision to assets | 0.4114% | 4,344 |
| Net operating income to assets | 0.6695% | 3,062 |
| Return on assets (ROA) | 0.6695% | 3,115 |
| Pretax return on assets | 0.8729% | 3,009 |
| Return on Equity (ROE) | 6.0844% | 3,176 |
| Retained earnings to average equity (ytd only) | 6.0844% | 1,321 |
| Net charge-offs to loans | 0.3388% | 4,533 |
| Credit loss provision to net charge-offs | 171.9368% | 2,470 |
| Earnings coverage of net charge-offs (x) | 5.3676% | 2,622 |
| Efficiency ratio | 62.8098% | 5,995 |
| Assets per employee ($millions) | 5.7088% | 1,456 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0243% | 6,241 |
| Loan loss allowance to noncurrent loans | 102.0317% | 2,759 |
| Noncurrent assets plus other real estate owned to assets | 1.5843% | 4,003 |
| Noncurrent loans to loans | 1.0039% | 5,311 |
| Net loans and leases to total assets | 71.5759% | 2,866 |
| Net loans and leases to deposits | 85.8660% | 2,941 |
| Net loans and leases to core deposits | 168.6606% | 246 |
| Total domestic deposits to total assets | 83.3578% | 4,354 |
| Equity capital to assets | 11.1194% | 2,609 |
| Core capital (leverage) ratio | 10.7911% | 2,351 |
| Tier 1 risk-based capital ratio | 13.3257% | 3,930 |
| Total risk-based capital ratio | 14.2350% | 4,102 |
| Memoranda: | ||
| Average total assets | $211,488,800 | 3,051 |
| Average earning assets | $197,347,800 | 3,008 |
| Average equity | $23,272,800 | 2,800 |
| Average total loans | $149,362,800 | 2,921 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2638% | 5,608 |
| Cost of funding earning assets | 2.5030% | 1,290 |
| Net interest margin | 2.7607% | 7,113 |
| Noninterest income to average assets | 0.8490% | 2,208 |
| Noninterest expense to average assets | 2.2424% | 6,863 |
| Loan and lease loss provision to assets | 0.3617% | 4,156 |
| Net operating income to assets | 0.6371% | 3,465 |
| Return on assets (ROA) | 0.6371% | 3,533 |
| Pretax return on assets | 0.8211% | 3,473 |
| Return on Equity (ROE) | 5.8049% | 3,605 |
| Retained earnings to average equity (ytd only) | 5.8049% | 2,043 |
| Net charge-offs to loans | 0.1049% | 5,624 |
| Credit loss provision to net charge-offs | 491.3793% | 805 |
| Earnings coverage of net charge-offs (x) | 16.0692% | 1,493 |
| Efficiency ratio | 65.4687% | 5,462 |
| Assets per employee ($millions) | 5.6142% | 1,502 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1288% | 5,544 |
| Loan loss allowance to noncurrent loans | 121.2143% | 2,347 |
| Noncurrent assets plus other real estate owned to assets | 1.7606% | 3,722 |
| Noncurrent loans to loans | 0.9313% | 5,431 |
| Net loans and leases to total assets | 69.6717% | 3,587 |
| Net loans and leases to deposits | 83.4603% | 3,740 |
| Net loans and leases to core deposits | 169.6847% | 274 |
| Total domestic deposits to total assets | 83.4789% | 3,974 |
| Equity capital to assets | 11.2136% | 2,821 |
| Core capital (leverage) ratio | 10.9195% | 2,461 |
| Tier 1 risk-based capital ratio | 13.4788% | 3,864 |
| Total risk-based capital ratio | 14.4673% | 3,982 |
| Memoranda: | ||
| Average total assets | $210,127,000 | 3,085 |
| Average earning assets | $196,078,000 | 3,042 |
| Average equity | $23,060,500 | 2,846 |
| Average total loans | $147,483,250 | 2,990 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2083% | 6,048 |
| Cost of funding earning assets | 2.5620% | 1,395 |
| Net interest margin | 2.6462% | 7,301 |
| Noninterest income to average assets | 0.9825% | 1,655 |
| Noninterest expense to average assets | 2.2846% | 6,799 |
| Loan and lease loss provision to assets | 0.3683% | 3,713 |
| Net operating income to assets | 0.6199% | 3,591 |
| Return on assets (ROA) | 0.6199% | 3,704 |
| Pretax return on assets | 0.7950% | 3,689 |
| Return on Equity (ROE) | 5.6909% | 3,787 |
| Retained earnings to average equity (ytd only) | 5.6909% | 2,163 |
| Net charge-offs to loans | 0.0259% | 6,114 |
| Credit loss provision to net charge-offs | 2,026.3158% | 259 |
| Earnings coverage of net charge-offs (x) | 64.0000% | 563 |
| Efficiency ratio | 66.2597% | 5,507 |
| Assets per employee ($millions) | 5.8452% | 1,311 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0709% | 5,780 |
| Loan loss allowance to noncurrent loans | 185.5825% | 1,615 |
| Noncurrent assets plus other real estate owned to assets | 1.8481% | 3,403 |
| Noncurrent loans to loans | 0.5771% | 6,103 |
| Net loans and leases to total assets | 70.6356% | 3,543 |
| Net loans and leases to deposits | 84.9160% | 3,738 |
| Net loans and leases to core deposits | 176.6880% | 252 |
| Total domestic deposits to total assets | 83.1828% | 4,152 |
| Equity capital to assets | 11.0066% | 2,914 |
| Core capital (leverage) ratio | 10.8897% | 2,490 |
| Tier 1 risk-based capital ratio | 13.3735% | 3,885 |
| Total risk-based capital ratio | 14.3180% | 4,015 |
| Memoranda: | ||
| Average total assets | $209,056,330 | 3,118 |
| Average earning assets | $194,767,330 | 3,078 |
| Average equity | $22,773,000 | 2,879 |
| Average total loans | $146,533,000 | 3,037 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2091% | 6,257 |
| Cost of funding earning assets | 2.6397% | 1,452 |
| Net interest margin | 2.5694% | 7,412 |
| Noninterest income to average assets | 0.9118% | 1,804 |
| Noninterest expense to average assets | 2.2997% | 6,540 |
| Loan and lease loss provision to assets | 0.2688% | 3,810 |
| Net operating income to assets | 0.5855% | 4,078 |
| Return on assets (ROA) | 0.5855% | 4,271 |
| Pretax return on assets | 0.7295% | 4,324 |
| Return on Equity (ROE) | 5.4033% | 4,282 |
| Retained earnings to average equity (ytd only) | 5.4033% | 2,903 |
| Net charge-offs to loans | 0.0359% | 5,007 |
| Credit loss provision to net charge-offs | 1,076.9231% | 579 |
| Earnings coverage of net charge-offs (x) | 40.0000% | 848 |
| Efficiency ratio | 69.7322% | 4,636 |
| Assets per employee ($millions) | 5.8849% | 1,265 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9471% | 6,515 |
| Loan loss allowance to noncurrent loans | 197.6912% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 1.9348% | 3,000 |
| Noncurrent loans to loans | 0.4791% | 6,227 |
| Net loans and leases to total assets | 67.6316% | 4,216 |
| Net loans and leases to deposits | 81.4029% | 4,391 |
| Net loans and leases to core deposits | 157.9137% | 527 |
| Total domestic deposits to total assets | 83.0825% | 4,102 |
| Equity capital to assets | 10.7766% | 3,210 |
| Core capital (leverage) ratio | 10.9870% | 2,508 |
| Tier 1 risk-based capital ratio | 13.4330% | 3,912 |
| Total risk-based capital ratio | 14.2531% | 4,105 |
| Memoranda: | ||
| Average total assets | $208,370,500 | 3,135 |
| Average earning assets | $193,508,500 | 3,105 |
| Average equity | $22,579,000 | 2,914 |
| Average total loans | $144,676,500 | 3,096 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0091% | 5,505 |
| Cost of funding earning assets | 3.1465% | 1,365 |
| Net interest margin | 2.8626% | 7,230 |
| Noninterest income to average assets | 0.7970% | 2,534 |
| Noninterest expense to average assets | 2.1825% | 7,011 |
| Loan and lease loss provision to assets | 0.4617% | 2,986 |
| Net operating income to assets | 0.6866% | 3,948 |
| Return on assets (ROA) | 0.6866% | 3,789 |
| Pretax return on assets | 0.8087% | 4,035 |
| Return on Equity (ROE) | 5.9739% | 3,954 |
| Retained earnings to average equity (ytd only) | 5.9739% | 1,547 |
| Net charge-offs to loans | 0.8527% | 1,474 |
| Credit loss provision to net charge-offs | 75.2389% | 5,991 |
| Earnings coverage of net charge-offs (x) | 2.0704% | 5,042 |
| Efficiency ratio | 63.2083% | 5,736 |
| Assets per employee ($millions) | 5.8538% | 1,226 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8590% | 6,858 |
| Loan loss allowance to noncurrent loans | 145.0408% | 2,535 |
| Noncurrent assets plus other real estate owned to assets | 1.8879% | 2,604 |
| Noncurrent loans to loans | 0.5923% | 5,599 |
| Net loans and leases to total assets | 70.0190% | 4,012 |
| Net loans and leases to deposits | 85.0418% | 4,247 |
| Net loans and leases to core deposits | 163.2382% | 515 |
| Total domestic deposits to total assets | 82.3348% | 4,069 |
| Equity capital to assets | 10.8974% | 3,120 |
| Core capital (leverage) ratio | 11.1786% | 2,443 |
| Tier 1 risk-based capital ratio | 13.5078% | 3,816 |
| Total risk-based capital ratio | 14.2663% | 4,015 |
| Memoranda: | ||
| Average total assets | $187,583,600 | 3,302 |
| Average earning assets | $174,034,600 | 3,265 |
| Average equity | $21,560,400 | 3,034 |
| Average total loans | $134,985,800 | 3,178 |