Home > Millbury Savings Bank > Performance and Condition Ratios
Millbury Savings Bank, Performance and Condition Ratios
| 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 | 4.7034% | 2,411 |
| Cost of funding earning assets | 0.6582% | 3,408 |
| Net interest margin | 4.0452% | 1,785 |
| Noninterest income to average assets | 0.2851% | 4,031 |
| Noninterest expense to average assets | 3.2588% | 1,358 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.6242% | 4,231 |
| Return on assets (ROA) | 0.6242% | 4,282 |
| Pretax return on assets | 0.8445% | 4,029 |
| Return on Equity (ROE) | 4.7881% | 4,386 |
| Retained earnings to average equity (ytd only) | 4.7881% | 2,998 |
| Net charge-offs to loans | -0.0069% | 4,287 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.4182% | 972 |
| Assets per employee ($millions) | 6.5051% | 1,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9986% | 3,581 |
| Loan loss allowance to noncurrent loans | 266.9243% | 1,672 |
| Noncurrent assets plus other real estate owned to assets | 0.2925% | 3,380 |
| Noncurrent loans to loans | 0.3741% | 3,217 |
| Net loans and leases to total assets | 77.4118% | 1,239 |
| Net loans and leases to deposits | 94.9864% | 1,126 |
| Net loans and leases to core deposits | 107.1333% | 1,104 |
| Total domestic deposits to total assets | 81.4977% | 3,614 |
| Equity capital to assets | 13.6070% | 1,311 |
| Core capital (leverage) ratio | 13.4735% | 1,143 |
| Tier 1 risk-based capital ratio | 16.3468% | 2,315 |
| Total risk-based capital ratio | 17.2882% | 2,354 |
| Memoranda: | ||
| Average total assets | $224,496,750 | 2,645 |
| Average earning assets | $211,898,250 | 2,619 |
| Average equity | $29,266,250 | 2,447 |
| Average total loans | $174,116,500 | 2,405 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6222% | 2,604 |
| Cost of funding earning assets | 0.6335% | 3,492 |
| Net interest margin | 3.9887% | 1,958 |
| Noninterest income to average assets | 0.2633% | 4,178 |
| Noninterest expense to average assets | 3.2756% | 1,331 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.5594% | 4,406 |
| Return on assets (ROA) | 0.5594% | 4,435 |
| Pretax return on assets | 0.7553% | 4,206 |
| Return on Equity (ROE) | 4.3532% | 4,509 |
| Retained earnings to average equity (ytd only) | 4.3532% | 3,087 |
| Net charge-offs to loans | -0.0115% | 4,368 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2624% | 856 |
| Assets per employee ($millions) | 6.3948% | 1,287 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9794% | 3,745 |
| Loan loss allowance to noncurrent loans | 176.3265% | 2,352 |
| Noncurrent assets plus other real estate owned to assets | 0.4379% | 2,765 |
| Noncurrent loans to loans | 0.5554% | 2,605 |
| Net loans and leases to total assets | 78.0611% | 1,211 |
| Net loans and leases to deposits | 95.5149% | 1,095 |
| Net loans and leases to core deposits | 107.2049% | 1,160 |
| Total domestic deposits to total assets | 81.7266% | 3,598 |
| Equity capital to assets | 13.2206% | 1,478 |
| Core capital (leverage) ratio | 13.3270% | 1,179 |
| Tier 1 risk-based capital ratio | 16.0637% | 2,386 |
| Total risk-based capital ratio | 17.0018% | 2,458 |
| Memoranda: | ||
| Average total assets | $225,604,670 | 2,647 |
| Average earning assets | $213,100,330 | 2,612 |
| Average equity | $28,990,000 | 2,453 |
| Average total loans | $174,508,330 | 2,411 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5358% | 2,746 |
| Cost of funding earning assets | 0.5934% | 3,609 |
| Net interest margin | 3.9424% | 2,056 |
| Noninterest income to average assets | 0.2419% | 4,274 |
| Noninterest expense to average assets | 3.3183% | 1,252 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.4786% | 4,575 |
| Return on assets (ROA) | 0.4786% | 4,600 |
| Pretax return on assets | 0.6428% | 4,435 |
| Return on Equity (ROE) | 3.7783% | 4,619 |
| Retained earnings to average equity (ytd only) | 3.7783% | 3,411 |
| Net charge-offs to loans | -0.0230% | 4,543 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.7717% | 726 |
| Assets per employee ($millions) | 6.6139% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9987% | 3,720 |
| Loan loss allowance to noncurrent loans | 148.4536% | 2,686 |
| Noncurrent assets plus other real estate owned to assets | 0.5176% | 2,557 |
| Noncurrent loans to loans | 0.6727% | 2,334 |
| Net loans and leases to total assets | 76.1779% | 1,451 |
| Net loans and leases to deposits | 90.7012% | 1,543 |
| Net loans and leases to core deposits | 102.3988% | 1,423 |
| Total domestic deposits to total assets | 83.9877% | 3,050 |
| Equity capital to assets | 12.8812% | 1,522 |
| Core capital (leverage) ratio | 13.1714% | 1,195 |
| Tier 1 risk-based capital ratio | 16.5551% | 2,244 |
| Total risk-based capital ratio | 17.5338% | 2,287 |
| Memoranda: | ||
| Average total assets | $226,498,500 | 2,664 |
| Average earning assets | $213,676,500 | 2,636 |
| Average equity | $28,690,000 | 2,476 |
| Average total loans | $173,541,500 | 2,440 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5360% | 2,349 |
| Cost of funding earning assets | 0.5444% | 3,087 |
| Net interest margin | 3.9917% | 2,009 |
| Noninterest income to average assets | 0.3208% | 3,958 |
| Noninterest expense to average assets | 3.0006% | 2,041 |
| Loan and lease loss provision to assets | 0.0035% | 4,036 |
| Net operating income to assets | 0.6479% | 4,292 |
| Return on assets (ROA) | 0.8032% | 3,796 |
| Pretax return on assets | 1.2329% | 2,767 |
| Return on Equity (ROE) | 6.7040% | 3,932 |
| Retained earnings to average equity (ytd only) | 6.7040% | 1,818 |
| Net charge-offs to loans | -0.0017% | 4,221 |
| Credit loss provision to net charge-offs | -266.6667% | 4,521 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2638% | 1,595 |
| Assets per employee ($millions) | 6.5179% | 1,209 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9876% | 3,774 |
| Loan loss allowance to noncurrent loans | 182.0975% | 2,393 |
| Noncurrent assets plus other real estate owned to assets | 0.4138% | 2,898 |
| Noncurrent loans to loans | 0.5424% | 2,647 |
| Net loans and leases to total assets | 75.5433% | 1,686 |
| Net loans and leases to deposits | 92.2110% | 1,519 |
| Net loans and leases to core deposits | 103.1637% | 1,493 |
| Total domestic deposits to total assets | 81.9245% | 3,660 |
| Equity capital to assets | 12.4554% | 1,601 |
| Core capital (leverage) ratio | 12.9415% | 1,273 |
| Tier 1 risk-based capital ratio | 16.7085% | 2,167 |
| Total risk-based capital ratio | 17.7003% | 2,193 |
| Memoranda: | ||
| Average total assets | $229,454,200 | 2,615 |
| Average earning assets | $213,820,600 | 2,611 |
| Average equity | $27,491,200 | 2,485 |
| Average total loans | $175,768,400 | 2,367 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4899% | 2,342 |
| Cost of funding earning assets | 0.5471% | 2,875 |
| Net interest margin | 3.9428% | 2,152 |
| Noninterest income to average assets | 0.3261% | 3,960 |
| Noninterest expense to average assets | 2.9952% | 2,032 |
| Loan and lease loss provision to assets | 0.0279% | 3,449 |
| Net operating income to assets | 0.5643% | 4,605 |
| Return on assets (ROA) | 0.7160% | 4,184 |
| Pretax return on assets | 1.1581% | 3,168 |
| Return on Equity (ROE) | 6.0354% | 4,258 |
| Retained earnings to average equity (ytd only) | 6.0354% | 2,642 |
| Net charge-offs to loans | -0.0023% | 4,105 |
| Credit loss provision to net charge-offs | -1,600.0000% | 4,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0836% | 1,450 |
| Assets per employee ($millions) | 6.0625% | 1,444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9957% | 3,795 |
| Loan loss allowance to noncurrent loans | 167.9083% | 2,544 |
| Noncurrent assets plus other real estate owned to assets | 0.4668% | 2,819 |
| Noncurrent loans to loans | 0.5930% | 2,602 |
| Net loans and leases to total assets | 77.9300% | 1,351 |
| Net loans and leases to deposits | 94.3093% | 1,347 |
| Net loans and leases to core deposits | 105.3943% | 1,348 |
| Total domestic deposits to total assets | 82.6324% | 3,423 |
| Equity capital to assets | 12.2756% | 1,720 |
| Core capital (leverage) ratio | 12.4638% | 1,520 |
| Tier 1 risk-based capital ratio | 16.1209% | 2,398 |
| Total risk-based capital ratio | 17.1518% | 2,418 |
| Memoranda: | ||
| Average total assets | $229,786,250 | 2,628 |
| Average earning assets | $213,479,750 | 2,624 |
| Average equity | $27,260,500 | 2,505 |
| Average total loans | $176,197,250 | 2,375 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4053% | 2,395 |
| Cost of funding earning assets | 0.5462% | 2,635 |
| Net interest margin | 3.8591% | 2,347 |
| Noninterest income to average assets | 0.3178% | 4,051 |
| Noninterest expense to average assets | 3.0016% | 2,037 |
| Loan and lease loss provision to assets | 0.0302% | 3,305 |
| Net operating income to assets | 0.6459% | 4,361 |
| Return on assets (ROA) | 0.6459% | 4,366 |
| Pretax return on assets | 0.8549% | 4,094 |
| Return on Equity (ROE) | 5.5063% | 4,409 |
| Retained earnings to average equity (ytd only) | 5.5063% | 2,822 |
| Net charge-offs to loans | -0.0068% | 4,185 |
| Credit loss provision to net charge-offs | -583.3333% | 4,392 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.2273% | 1,283 |
| Assets per employee ($millions) | 6.2564% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9871% | 3,925 |
| Loan loss allowance to noncurrent loans | 546.5625% | 1,028 |
| Noncurrent assets plus other real estate owned to assets | 0.1382% | 4,298 |
| Noncurrent loans to loans | 0.1806% | 4,096 |
| Net loans and leases to total assets | 75.7840% | 1,672 |
| Net loans and leases to deposits | 91.8486% | 1,601 |
| Net loans and leases to core deposits | 102.3118% | 1,539 |
| Total domestic deposits to total assets | 82.5096% | 3,559 |
| Equity capital to assets | 11.8434% | 1,962 |
| Core capital (leverage) ratio | 12.0925% | 1,656 |
| Tier 1 risk-based capital ratio | 15.8483% | 2,491 |
| Total risk-based capital ratio | 16.9489% | 2,492 |
| Memoranda: | ||
| Average total assets | $231,610,330 | 2,625 |
| Average earning assets | $214,194,670 | 2,633 |
| Average equity | $27,168,670 | 2,523 |
| Average total loans | $176,074,330 | 2,388 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3281% | 2,426 |
| Cost of funding earning assets | 0.5321% | 2,527 |
| Net interest margin | 3.7960% | 2,443 |
| Noninterest income to average assets | 0.3177% | 4,029 |
| Noninterest expense to average assets | 2.9473% | 2,209 |
| Loan and lease loss provision to assets | 0.0518% | 2,739 |
| Net operating income to assets | 0.6250% | 4,356 |
| Return on assets (ROA) | 0.6250% | 4,367 |
| Pretax return on assets | 0.8288% | 4,084 |
| Return on Equity (ROE) | 5.3540% | 4,370 |
| Retained earnings to average equity (ytd only) | 5.3540% | 3,012 |
| Net charge-offs to loans | -0.0046% | 3,975 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,227 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9959% | 1,462 |
| Assets per employee ($millions) | 6.2341% | 1,348 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9865% | 4,039 |
| Loan loss allowance to noncurrent loans | 545.1411% | 1,014 |
| Noncurrent assets plus other real estate owned to assets | 0.1383% | 4,397 |
| Noncurrent loans to loans | 0.1810% | 4,159 |
| Net loans and leases to total assets | 75.6668% | 1,593 |
| Net loans and leases to deposits | 90.6335% | 1,611 |
| Net loans and leases to core deposits | 101.3042% | 1,587 |
| Total domestic deposits to total assets | 83.4865% | 3,508 |
| Equity capital to assets | 11.7172% | 1,979 |
| Core capital (leverage) ratio | 11.9828% | 1,665 |
| Tier 1 risk-based capital ratio | 15.2850% | 2,744 |
| Total risk-based capital ratio | 16.3575% | 2,758 |
| Memoranda: | ||
| Average total assets | $231,672,000 | 2,652 |
| Average earning assets | $214,227,000 | 2,656 |
| Average equity | $27,045,000 | 2,548 |
| Average total loans | $175,522,000 | 2,410 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2719% | 2,421 |
| Cost of funding earning assets | 0.5473% | 1,974 |
| Net interest margin | 3.7246% | 2,698 |
| Noninterest income to average assets | 0.3427% | 4,014 |
| Noninterest expense to average assets | 2.7517% | 2,951 |
| Loan and lease loss provision to assets | 0.0651% | 2,908 |
| Net operating income to assets | 0.4423% | 4,559 |
| Return on assets (ROA) | 0.4576% | 4,530 |
| Pretax return on assets | 0.9885% | 3,620 |
| Return on Equity (ROE) | 3.9510% | 4,512 |
| Retained earnings to average equity (ytd only) | 3.9510% | 2,822 |
| Net charge-offs to loans | 0.0024% | 4,027 |
| Credit loss provision to net charge-offs | 3,750.0000% | 110 |
| Earnings coverage of net charge-offs (x) | 593.5000% | 149 |
| Efficiency ratio | 72.7690% | 2,107 |
| Assets per employee ($millions) | 6.2888% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9773% | 4,066 |
| Loan loss allowance to noncurrent loans | 532.0872% | 1,052 |
| Noncurrent assets plus other real estate owned to assets | 0.1380% | 4,448 |
| Noncurrent loans to loans | 0.1837% | 4,183 |
| Net loans and leases to total assets | 74.3773% | 1,860 |
| Net loans and leases to deposits | 89.5693% | 1,826 |
| Net loans and leases to core deposits | 99.7976% | 1,729 |
| Total domestic deposits to total assets | 83.0388% | 3,550 |
| Equity capital to assets | 11.6308% | 2,096 |
| Core capital (leverage) ratio | 11.6502% | 1,828 |
| Tier 1 risk-based capital ratio | 15.3425% | 2,686 |
| Total risk-based capital ratio | 16.4408% | 2,684 |
| Memoranda: | ||
| Average total assets | $230,548,200 | 2,637 |
| Average earning assets | $212,854,400 | 2,633 |
| Average equity | $26,702,400 | 2,564 |
| Average total loans | $170,204,400 | 2,417 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1601% | 2,755 |
| Cost of funding earning assets | 0.5499% | 1,893 |
| Net interest margin | 3.6102% | 3,108 |
| Noninterest income to average assets | 0.3420% | 4,089 |
| Noninterest expense to average assets | 2.7082% | 3,036 |
| Loan and lease loss provision to assets | 0.0696% | 2,685 |
| Net operating income to assets | 0.5726% | 4,490 |
| Return on assets (ROA) | 0.5930% | 4,454 |
| Pretax return on assets | 0.9263% | 3,948 |
| Return on Equity (ROE) | 5.1253% | 4,486 |
| Retained earnings to average equity (ytd only) | 5.1253% | 2,799 |
| Net charge-offs to loans | -0.0039% | 4,418 |
| Credit loss provision to net charge-offs | -2,400.0000% | 5,105 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.7490% | 1,933 |
| Assets per employee ($millions) | 6.2593% | 1,332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9563% | 4,293 |
| Loan loss allowance to noncurrent loans | 173.7384% | 2,491 |
| Noncurrent assets plus other real estate owned to assets | 0.4082% | 3,401 |
| Noncurrent loans to loans | 0.5504% | 3,048 |
| Net loans and leases to total assets | 73.4584% | 2,012 |
| Net loans and leases to deposits | 91.4598% | 1,631 |
| Net loans and leases to core deposits | 102.6044% | 1,497 |
| Total domestic deposits to total assets | 80.3177% | 4,249 |
| Equity capital to assets | 11.4272% | 2,441 |
| Core capital (leverage) ratio | 11.7524% | 1,847 |
| Tier 1 risk-based capital ratio | 14.9961% | 2,920 |
| Total risk-based capital ratio | 16.0477% | 2,947 |
| Memoranda: | ||
| Average total assets | $230,014,250 | 2,665 |
| Average earning assets | $212,169,000 | 2,665 |
| Average equity | $26,612,250 | 2,585 |
| Average total loans | $169,062,500 | 2,447 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1114% | 2,788 |
| Cost of funding earning assets | 0.5405% | 1,839 |
| Net interest margin | 3.5709% | 3,144 |
| Noninterest income to average assets | 0.3465% | 4,073 |
| Noninterest expense to average assets | 2.7177% | 3,028 |
| Loan and lease loss provision to assets | 0.0792% | 2,403 |
| Net operating income to assets | 0.5425% | 4,560 |
| Return on assets (ROA) | 0.5734% | 4,471 |
| Pretax return on assets | 0.8927% | 3,958 |
| Return on Equity (ROE) | 4.9351% | 4,502 |
| Retained earnings to average equity (ytd only) | 4.9351% | 2,754 |
| Net charge-offs to loans | -0.0036% | 4,267 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6377% | 1,907 |
| Assets per employee ($millions) | 6.0287% | 1,441 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9641% | 4,349 |
| Loan loss allowance to noncurrent loans | 195.3955% | 2,299 |
| Noncurrent assets plus other real estate owned to assets | 0.3697% | 3,637 |
| Noncurrent loans to loans | 0.4934% | 3,273 |
| Net loans and leases to total assets | 74.2068% | 1,829 |
| Net loans and leases to deposits | 92.0003% | 1,495 |
| Net loans and leases to core deposits | 103.3208% | 1,410 |
| Total domestic deposits to total assets | 80.6592% | 4,265 |
| Equity capital to assets | 11.6923% | 2,160 |
| Core capital (leverage) ratio | 11.8551% | 1,728 |
| Tier 1 risk-based capital ratio | 15.0763% | 2,890 |
| Total risk-based capital ratio | 16.1284% | 2,907 |
| Memoranda: | ||
| Average total assets | $227,401,330 | 2,705 |
| Average earning assets | $209,805,000 | 2,700 |
| Average equity | $26,423,000 | 2,598 |
| Average total loans | $166,613,330 | 2,479 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0436% | 2,886 |
| Cost of funding earning assets | 0.5301% | 1,861 |
| Net interest margin | 3.5135% | 3,226 |
| Noninterest income to average assets | 0.3425% | 4,103 |
| Noninterest expense to average assets | 2.7013% | 3,133 |
| Loan and lease loss provision to assets | 0.0530% | 2,750 |
| Net operating income to assets | 0.5332% | 4,452 |
| Return on assets (ROA) | 0.5332% | 4,493 |
| Pretax return on assets | 0.8298% | 4,005 |
| Return on Equity (ROE) | 4.6034% | 4,563 |
| Retained earnings to average equity (ytd only) | 4.6034% | 3,120 |
| Net charge-offs to loans | -0.0049% | 4,174 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.3695% | 2,007 |
| Assets per employee ($millions) | 6.4945% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9633% | 4,477 |
| Loan loss allowance to noncurrent loans | 176.3274% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 0.3977% | 3,608 |
| Noncurrent loans to loans | 0.5463% | 3,176 |
| Net loans and leases to total assets | 72.0993% | 2,062 |
| Net loans and leases to deposits | 89.3277% | 1,627 |
| Net loans and leases to core deposits | 99.5142% | 1,544 |
| Total domestic deposits to total assets | 80.7132% | 4,481 |
| Equity capital to assets | 11.6209% | 2,101 |
| Core capital (leverage) ratio | 11.8683% | 1,711 |
| Tier 1 risk-based capital ratio | 15.3491% | 2,816 |
| Total risk-based capital ratio | 16.3960% | 2,833 |
| Memoranda: | ||
| Average total assets | $226,556,500 | 2,736 |
| Average earning assets | $209,022,500 | 2,737 |
| Average equity | $26,241,500 | 2,620 |
| Average total loans | $164,092,000 | 2,525 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0166% | 3,132 |
| Cost of funding earning assets | 0.5690% | 1,546 |
| Net interest margin | 3.4476% | 3,637 |
| Noninterest income to average assets | 0.3714% | 4,093 |
| Noninterest expense to average assets | 2.6838% | 3,394 |
| Loan and lease loss provision to assets | 0.0499% | 3,400 |
| Net operating income to assets | 0.5220% | 4,543 |
| Return on assets (ROA) | 0.5509% | 4,532 |
| Pretax return on assets | 0.8443% | 4,034 |
| Return on Equity (ROE) | 4.7190% | 4,560 |
| Retained earnings to average equity (ytd only) | 4.7190% | 2,539 |
| Net charge-offs to loans | -0.0026% | 4,734 |
| Credit loss provision to net charge-offs | -2,750.0000% | 5,411 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.9528% | 1,989 |
| Assets per employee ($millions) | 6.4516% | 1,177 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9600% | 4,526 |
| Loan loss allowance to noncurrent loans | 219.6906% | 2,098 |
| Noncurrent assets plus other real estate owned to assets | 0.3149% | 4,015 |
| Noncurrent loans to loans | 0.4370% | 3,578 |
| Net loans and leases to total assets | 71.3627% | 2,263 |
| Net loans and leases to deposits | 88.6379% | 1,853 |
| Net loans and leases to core deposits | 98.8535% | 1,720 |
| Total domestic deposits to total assets | 80.5103% | 4,455 |
| Equity capital to assets | 11.5444% | 2,130 |
| Core capital (leverage) ratio | 11.7493% | 1,762 |
| Tier 1 risk-based capital ratio | 15.5300% | 2,739 |
| Total risk-based capital ratio | 16.5700% | 2,765 |
| Memoranda: | ||
| Average total assets | $220,545,800 | 2,755 |
| Average earning assets | $202,286,200 | 2,766 |
| Average equity | $25,746,800 | 2,657 |
| Average total loans | $153,651,400 | 2,597 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0186% | 3,152 |
| Cost of funding earning assets | 0.5711% | 1,539 |
| Net interest margin | 3.4474% | 3,679 |
| Noninterest income to average assets | 0.3698% | 4,132 |
| Noninterest expense to average assets | 2.6820% | 3,391 |
| Loan and lease loss provision to assets | 0.0608% | 3,027 |
| Net operating income to assets | 0.5135% | 4,647 |
| Return on assets (ROA) | 0.5522% | 4,595 |
| Pretax return on assets | 0.8435% | 4,177 |
| Return on Equity (ROE) | 4.7168% | 4,633 |
| Retained earnings to average equity (ytd only) | 4.7168% | 3,001 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.0476% | 1,968 |
| Assets per employee ($millions) | 6.4143% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9767% | 4,532 |
| Loan loss allowance to noncurrent loans | 237.7880% | 1,971 |
| Noncurrent assets plus other real estate owned to assets | 0.2900% | 4,265 |
| Noncurrent loans to loans | 0.4107% | 3,804 |
| Net loans and leases to total assets | 69.9072% | 2,501 |
| Net loans and leases to deposits | 87.5676% | 2,072 |
| Net loans and leases to core deposits | 97.3556% | 1,875 |
| Total domestic deposits to total assets | 79.8323% | 4,552 |
| Equity capital to assets | 11.6600% | 2,392 |
| Core capital (leverage) ratio | 11.6926% | 1,896 |
| Tier 1 risk-based capital ratio | 15.5139% | 2,826 |
| Total risk-based capital ratio | 16.5585% | 2,844 |
| Memoranda: | ||
| Average total assets | $219,230,500 | 2,775 |
| Average earning assets | $200,761,750 | 2,794 |
| Average equity | $25,666,500 | 2,681 |
| Average total loans | $151,388,250 | 2,623 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9927% | 3,265 |
| Cost of funding earning assets | 0.5707% | 1,542 |
| Net interest margin | 3.4220% | 3,793 |
| Noninterest income to average assets | 0.3633% | 4,162 |
| Noninterest expense to average assets | 2.6550% | 3,531 |
| Loan and lease loss provision to assets | 0.0552% | 3,045 |
| Net operating income to assets | 0.5122% | 4,629 |
| Return on assets (ROA) | 0.5122% | 4,741 |
| Pretax return on assets | 0.7799% | 4,349 |
| Return on Equity (ROE) | 4.3693% | 4,767 |
| Retained earnings to average equity (ytd only) | 4.3693% | 3,135 |
| Net charge-offs to loans | 0.0027% | 3,611 |
| Credit loss provision to net charge-offs | 3,000.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 454.0000% | 149 |
| Efficiency ratio | 76.0738% | 2,068 |
| Assets per employee ($millions) | 6.3375% | 1,172 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9618% | 4,715 |
| Loan loss allowance to noncurrent loans | 231.3364% | 2,018 |
| Noncurrent assets plus other real estate owned to assets | 0.2935% | 4,327 |
| Noncurrent loans to loans | 0.4157% | 3,863 |
| Net loans and leases to total assets | 69.9143% | 2,496 |
| Net loans and leases to deposits | 87.4739% | 2,069 |
| Net loans and leases to core deposits | 96.8893% | 1,901 |
| Total domestic deposits to total assets | 79.9259% | 4,566 |
| Equity capital to assets | 11.7180% | 2,341 |
| Core capital (leverage) ratio | 11.6289% | 1,886 |
| Tier 1 risk-based capital ratio | 15.7608% | 2,756 |
| Total risk-based capital ratio | 16.8498% | 2,765 |
| Memoranda: | ||
| Average total assets | $217,473,330 | 2,798 |
| Average earning assets | $198,712,330 | 2,831 |
| Average equity | $25,496,330 | 2,704 |
| Average total loans | $149,020,670 | 2,662 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9492% | 3,405 |
| Cost of funding earning assets | 0.5659% | 1,573 |
| Net interest margin | 3.3833% | 3,925 |
| Noninterest income to average assets | 0.3567% | 4,175 |
| Noninterest expense to average assets | 2.6883% | 3,453 |
| Loan and lease loss provision to assets | 0.0557% | 2,831 |
| Net operating income to assets | 0.4719% | 4,734 |
| Return on assets (ROA) | 0.4719% | 4,828 |
| Pretax return on assets | 0.7116% | 4,489 |
| Return on Equity (ROE) | 4.0240% | 4,882 |
| Retained earnings to average equity (ytd only) | 4.0240% | 3,479 |
| Net charge-offs to loans | -0.0028% | 4,166 |
| Credit loss provision to net charge-offs | -3,000.0000% | 4,947 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.7957% | 1,922 |
| Assets per employee ($millions) | 5.8738% | 1,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0032% | 4,593 |
| Loan loss allowance to noncurrent loans | 175.8621% | 2,464 |
| Noncurrent assets plus other real estate owned to assets | 0.4035% | 3,979 |
| Noncurrent loans to loans | 0.5705% | 3,483 |
| Net loans and leases to total assets | 67.1553% | 2,787 |
| Net loans and leases to deposits | 84.9162% | 2,203 |
| Net loans and leases to core deposits | 94.1418% | 1,977 |
| Total domestic deposits to total assets | 79.0842% | 4,948 |
| Equity capital to assets | 11.7522% | 2,200 |
| Core capital (leverage) ratio | 11.7318% | 1,808 |
| Tier 1 risk-based capital ratio | 16.0854% | 2,639 |
| Total risk-based capital ratio | 17.1680% | 2,661 |
| Memoranda: | ||
| Average total assets | $215,303,500 | 2,829 |
| Average earning assets | $197,206,500 | 2,852 |
| Average equity | $25,248,500 | 2,727 |
| Average total loans | $145,238,500 | 2,714 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9223% | 3,628 |
| Cost of funding earning assets | 0.5725% | 1,578 |
| Net interest margin | 3.3498% | 4,112 |
| Noninterest income to average assets | 0.3905% | 4,103 |
| Noninterest expense to average assets | 2.7471% | 3,423 |
| Loan and lease loss provision to assets | 0.0482% | 3,367 |
| Net operating income to assets | 0.4383% | 4,923 |
| Return on assets (ROA) | 0.4571% | 4,942 |
| Pretax return on assets | 0.6841% | 4,575 |
| Return on Equity (ROE) | 3.8508% | 5,008 |
| Retained earnings to average equity (ytd only) | 3.8508% | 3,296 |
| Net charge-offs to loans | -0.0117% | 5,145 |
| Credit loss provision to net charge-offs | -625.0000% | 5,488 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.5921% | 1,730 |
| Assets per employee ($millions) | 5.7643% | 1,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0122% | 4,533 |
| Loan loss allowance to noncurrent loans | 172.5864% | 2,528 |
| Noncurrent assets plus other real estate owned to assets | 0.4103% | 3,957 |
| Noncurrent loans to loans | 0.5865% | 3,412 |
| Net loans and leases to total assets | 66.3932% | 2,929 |
| Net loans and leases to deposits | 84.1647% | 2,342 |
| Net loans and leases to core deposits | 93.3785% | 2,103 |
| Total domestic deposits to total assets | 78.8848% | 4,998 |
| Equity capital to assets | 11.7012% | 2,195 |
| Core capital (leverage) ratio | 11.8857% | 1,694 |
| Tier 1 risk-based capital ratio | 16.0429% | 2,670 |
| Total risk-based capital ratio | 17.0955% | 2,700 |
| Memoranda: | ||
| Average total assets | $207,415,400 | 2,877 |
| Average earning assets | $189,533,600 | 2,895 |
| Average equity | $24,618,200 | 2,730 |
| Average total loans | $136,936,000 | 2,766 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9008% | 3,741 |
| Cost of funding earning assets | 0.5749% | 1,582 |
| Net interest margin | 3.3259% | 4,236 |
| Noninterest income to average assets | 0.3923% | 4,133 |
| Noninterest expense to average assets | 2.7488% | 3,387 |
| Loan and lease loss provision to assets | 0.0356% | 3,508 |
| Net operating income to assets | 0.4315% | 5,043 |
| Return on assets (ROA) | 0.4584% | 5,037 |
| Pretax return on assets | 0.6856% | 4,731 |
| Return on Equity (ROE) | 3.8477% | 5,089 |
| Retained earnings to average equity (ytd only) | 3.8477% | 3,732 |
| Net charge-offs to loans | -0.0089% | 4,951 |
| Credit loss provision to net charge-offs | -611.1111% | 5,404 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1435% | 1,643 |
| Assets per employee ($millions) | 5.7513% | 1,547 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0025% | 4,731 |
| Loan loss allowance to noncurrent loans | 181.0636% | 2,450 |
| Noncurrent assets plus other real estate owned to assets | 0.3898% | 4,208 |
| Noncurrent loans to loans | 0.5537% | 3,673 |
| Net loans and leases to total assets | 66.5836% | 2,925 |
| Net loans and leases to deposits | 85.0069% | 2,282 |
| Net loans and leases to core deposits | 94.6945% | 2,012 |
| Total domestic deposits to total assets | 78.3272% | 5,123 |
| Equity capital to assets | 12.0059% | 2,104 |
| Core capital (leverage) ratio | 11.8461% | 1,782 |
| Tier 1 risk-based capital ratio | 15.8235% | 2,883 |
| Total risk-based capital ratio | 16.8024% | 2,953 |
| Memoranda: | ||
| Average total assets | $205,949,750 | 2,909 |
| Average earning assets | $188,095,000 | 2,933 |
| Average equity | $24,533,750 | 2,753 |
| Average total loans | $135,407,500 | 2,808 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8901% | 3,728 |
| Cost of funding earning assets | 0.5730% | 1,623 |
| Net interest margin | 3.3172% | 4,225 |
| Noninterest income to average assets | 0.3940% | 4,123 |
| Noninterest expense to average assets | 2.7648% | 3,366 |
| Loan and lease loss provision to assets | 0.0292% | 3,545 |
| Net operating income to assets | 0.4185% | 5,086 |
| Return on assets (ROA) | 0.4543% | 5,060 |
| Pretax return on assets | 0.6781% | 4,725 |
| Return on Equity (ROE) | 3.8238% | 5,087 |
| Retained earnings to average equity (ytd only) | 3.8238% | 3,570 |
| Net charge-offs to loans | 0.0119% | 3,493 |
| Credit loss provision to net charge-offs | 375.0000% | 778 |
| Earnings coverage of net charge-offs (x) | 84.0000% | 677 |
| Efficiency ratio | 80.8765% | 1,639 |
| Assets per employee ($millions) | 6.0726% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9971% | 4,882 |
| Loan loss allowance to noncurrent loans | 135.6713% | 3,018 |
| Noncurrent assets plus other real estate owned to assets | 0.5008% | 3,948 |
| Noncurrent loans to loans | 0.7350% | 3,275 |
| Net loans and leases to total assets | 65.1116% | 3,107 |
| Net loans and leases to deposits | 82.9701% | 2,441 |
| Net loans and leases to core deposits | 92.4275% | 2,113 |
| Total domestic deposits to total assets | 78.4760% | 5,192 |
| Equity capital to assets | 11.9157% | 2,093 |
| Core capital (leverage) ratio | 11.8228% | 1,759 |
| Tier 1 risk-based capital ratio | 16.0950% | 2,811 |
| Total risk-based capital ratio | 17.1117% | 2,880 |
| Memoranda: | ||
| Average total assets | $205,583,670 | 2,939 |
| Average earning assets | $187,450,000 | 2,955 |
| Average equity | $24,425,670 | 2,771 |
| Average total loans | $134,124,670 | 2,845 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8839% | 3,682 |
| Cost of funding earning assets | 0.5735% | 1,629 |
| Net interest margin | 3.3104% | 4,168 |
| Noninterest income to average assets | 0.3900% | 4,090 |
| Noninterest expense to average assets | 2.8039% | 3,241 |
| Loan and lease loss provision to assets | 0.0585% | 2,764 |
| Net operating income to assets | 0.3711% | 5,182 |
| Return on assets (ROA) | 0.4056% | 5,163 |
| Pretax return on assets | 0.5947% | 4,924 |
| Return on Equity (ROE) | 3.4186% | 5,207 |
| Retained earnings to average equity (ytd only) | 3.4186% | 3,934 |
| Net charge-offs to loans | -0.0330% | 5,310 |
| Credit loss provision to net charge-offs | -272.7273% | 4,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.3125% | 1,580 |
| Assets per employee ($millions) | 6.2217% | 1,244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0253% | 4,897 |
| Loan loss allowance to noncurrent loans | 226.9421% | 2,003 |
| Noncurrent assets plus other real estate owned to assets | 0.4564% | 4,212 |
| Noncurrent loans to loans | 0.4518% | 4,229 |
| Net loans and leases to total assets | 64.5511% | 3,019 |
| Net loans and leases to deposits | 83.5543% | 2,139 |
| Net loans and leases to core deposits | 92.6558% | 1,891 |
| Total domestic deposits to total assets | 77.2564% | 5,574 |
| Equity capital to assets | 11.9402% | 2,070 |
| Core capital (leverage) ratio | 12.2423% | 1,483 |
| Tier 1 risk-based capital ratio | 17.6993% | 2,236 |
| Total risk-based capital ratio | 18.8331% | 2,233 |
| Memoranda: | ||
| Average total assets | $205,142,000 | 2,957 |
| Average earning assets | $186,923,500 | 2,974 |
| Average equity | $24,337,500 | 2,797 |
| Average total loans | $133,293,000 | 2,864 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8870% | 4,169 |
| Cost of funding earning assets | 0.5968% | 1,783 |
| Net interest margin | 3.2902% | 4,615 |
| Noninterest income to average assets | 0.3453% | 4,633 |
| Noninterest expense to average assets | 2.7996% | 3,484 |
| Loan and lease loss provision to assets | 0.0890% | 2,691 |
| Net operating income to assets | 0.3077% | 5,498 |
| Return on assets (ROA) | 0.3725% | 5,382 |
| Pretax return on assets | 0.5397% | 5,144 |
| Return on Equity (ROE) | 3.1761% | 5,416 |
| Retained earnings to average equity (ytd only) | 3.1761% | 3,976 |
| Net charge-offs to loans | 0.0576% | 3,681 |
| Credit loss provision to net charge-offs | 246.5753% | 1,034 |
| Earnings coverage of net charge-offs (x) | 14.8082% | 2,126 |
| Efficiency ratio | 83.9614% | 1,416 |
| Assets per employee ($millions) | 5.8563% | 1,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 5,029 |
| Loan loss allowance to noncurrent loans | 133.4669% | 3,069 |
| Noncurrent assets plus other real estate owned to assets | 0.6489% | 3,623 |
| Noncurrent loans to loans | 0.7522% | 3,446 |
| Net loans and leases to total assets | 64.0819% | 3,215 |
| Net loans and leases to deposits | 82.8616% | 2,355 |
| Net loans and leases to core deposits | 91.8871% | 2,101 |
| Total domestic deposits to total assets | 77.3361% | 5,546 |
| Equity capital to assets | 11.7871% | 2,184 |
| Core capital (leverage) ratio | 11.8288% | 1,748 |
| Tier 1 risk-based capital ratio | 17.2537% | 2,398 |
| Total risk-based capital ratio | 18.4125% | 2,402 |
| Memoranda: | ||
| Average total assets | $202,136,200 | 2,957 |
| Average earning assets | $183,638,200 | 2,994 |
| Average equity | $23,708,600 | 2,780 |
| Average total loans | $126,676,000 | 2,932 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8852% | 4,228 |
| Cost of funding earning assets | 0.5970% | 1,863 |
| Net interest margin | 3.2882% | 4,651 |
| Noninterest income to average assets | 0.3508% | 4,637 |
| Noninterest expense to average assets | 2.7900% | 3,500 |
| Loan and lease loss provision to assets | 0.0861% | 2,634 |
| Net operating income to assets | 0.3250% | 5,514 |
| Return on assets (ROA) | 0.4011% | 5,320 |
| Pretax return on assets | 0.5679% | 5,134 |
| Return on Equity (ROE) | 3.4243% | 5,386 |
| Retained earnings to average equity (ytd only) | 3.4243% | 4,183 |
| Net charge-offs to loans | 0.0490% | 3,522 |
| Credit loss provision to net charge-offs | 282.6087% | 950 |
| Earnings coverage of net charge-offs (x) | 17.9571% | 1,873 |
| Efficiency ratio | 83.6144% | 1,432 |
| Assets per employee ($millions) | 5.4859% | 1,741 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0103% | 5,165 |
| Loan loss allowance to noncurrent loans | 146.7489% | 2,789 |
| Noncurrent assets plus other real estate owned to assets | 0.6099% | 4,007 |
| Noncurrent loans to loans | 0.6885% | 3,888 |
| Net loans and leases to total assets | 63.1875% | 3,320 |
| Net loans and leases to deposits | 81.8006% | 2,456 |
| Net loans and leases to core deposits | 90.7821% | 2,150 |
| Total domestic deposits to total assets | 77.2457% | 5,635 |
| Equity capital to assets | 11.7723% | 2,248 |
| Core capital (leverage) ratio | 11.7340% | 1,883 |
| Tier 1 risk-based capital ratio | 17.7369% | 2,299 |
| Total risk-based capital ratio | 18.9042% | 2,295 |
| Memoranda: | ||
| Average total assets | $201,428,000 | 2,996 |
| Average earning assets | $182,913,500 | 3,020 |
| Average equity | $23,595,750 | 2,799 |
| Average total loans | $125,175,000 | 2,974 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8585% | 4,302 |
| Cost of funding earning assets | 0.5989% | 1,907 |
| Net interest margin | 3.2595% | 4,741 |
| Noninterest income to average assets | 0.3146% | 4,900 |
| Noninterest expense to average assets | 2.7584% | 3,667 |
| Loan and lease loss provision to assets | 0.0697% | 2,875 |
| Net operating income to assets | 0.3102% | 5,534 |
| Return on assets (ROA) | 0.4141% | 5,240 |
| Pretax return on assets | 0.5853% | 4,999 |
| Return on Equity (ROE) | 3.5410% | 5,331 |
| Retained earnings to average equity (ytd only) | 3.5410% | 3,948 |
| Net charge-offs to loans | 0.0776% | 2,915 |
| Credit loss provision to net charge-offs | 145.8333% | 1,485 |
| Earnings coverage of net charge-offs (x) | 10.6458% | 2,230 |
| Efficiency ratio | 84.4302% | 1,451 |
| Assets per employee ($millions) | 5.8526% | 1,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9875% | 5,403 |
| Loan loss allowance to noncurrent loans | 182.3099% | 2,311 |
| Noncurrent assets plus other real estate owned to assets | 0.8241% | 3,502 |
| Noncurrent loans to loans | 0.5417% | 4,384 |
| Net loans and leases to total assets | 61.0381% | 3,556 |
| Net loans and leases to deposits | 78.7096% | 2,707 |
| Net loans and leases to core deposits | 87.3237% | 2,381 |
| Total domestic deposits to total assets | 77.5484% | 5,712 |
| Equity capital to assets | 11.6276% | 2,300 |
| Core capital (leverage) ratio | 11.8479% | 1,753 |
| Tier 1 risk-based capital ratio | 18.0760% | 2,213 |
| Total risk-based capital ratio | 19.2407% | 2,214 |
| Memoranda: | ||
| Average total assets | $200,911,670 | 3,025 |
| Average earning assets | $181,988,670 | 3,053 |
| Average equity | $23,496,000 | 2,802 |
| Average total loans | $123,711,670 | 2,997 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8420% | 4,313 |
| Cost of funding earning assets | 0.6085% | 1,907 |
| Net interest margin | 3.2335% | 4,804 |
| Noninterest income to average assets | 0.3619% | 4,496 |
| Noninterest expense to average assets | 2.7927% | 3,597 |
| Loan and lease loss provision to assets | 0.0603% | 2,897 |
| Net operating income to assets | 0.3197% | 5,427 |
| Return on assets (ROA) | 0.3197% | 5,475 |
| Pretax return on assets | 0.4363% | 5,345 |
| Return on Equity (ROE) | 2.7255% | 5,552 |
| Retained earnings to average equity (ytd only) | 2.7255% | 4,453 |
| Net charge-offs to loans | 0.1634% | 1,739 |
| Credit loss provision to net charge-offs | 60.0000% | 2,107 |
| Earnings coverage of net charge-offs (x) | 4.9400% | 2,456 |
| Efficiency ratio | 84.9022% | 1,563 |
| Assets per employee ($millions) | 5.6767% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9773% | 5,609 |
| Loan loss allowance to noncurrent loans | 148.3990% | 2,666 |
| Noncurrent assets plus other real estate owned to assets | 0.9085% | 3,459 |
| Noncurrent loans to loans | 0.6586% | 4,218 |
| Net loans and leases to total assets | 61.4510% | 3,319 |
| Net loans and leases to deposits | 77.4885% | 2,630 |
| Net loans and leases to core deposits | 86.5829% | 2,255 |
| Total domestic deposits to total assets | 79.3034% | 5,629 |
| Equity capital to assets | 11.8278% | 1,997 |
| Core capital (leverage) ratio | 11.7682% | 1,789 |
| Tier 1 risk-based capital ratio | 17.6778% | 2,421 |
| Total risk-based capital ratio | 18.8067% | 2,429 |
| Memoranda: | ||
| Average total assets | $198,947,000 | 3,066 |
| Average earning assets | $180,112,500 | 3,098 |
| Average equity | $23,335,000 | 2,811 |
| Average total loans | $122,428,500 | 3,021 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8781% | 4,541 |
| Cost of funding earning assets | 0.7022% | 1,797 |
| Net interest margin | 3.1760% | 5,076 |
| Noninterest income to average assets | 0.4266% | 4,258 |
| Noninterest expense to average assets | 2.6733% | 4,200 |
| Loan and lease loss provision to assets | 0.0681% | 3,770 |
| Net operating income to assets | 0.3966% | 5,155 |
| Return on assets (ROA) | 0.4777% | 4,973 |
| Pretax return on assets | 0.7063% | 4,517 |
| Return on Equity (ROE) | 4.2640% | 4,988 |
| Retained earnings to average equity (ytd only) | 4.2640% | 3,142 |
| Net charge-offs to loans | 0.0562% | 4,445 |
| Credit loss provision to net charge-offs | 205.8824% | 1,114 |
| Earnings coverage of net charge-offs (x) | 19.8088% | 1,586 |
| Efficiency ratio | 80.3157% | 2,103 |
| Assets per employee ($millions) | 5.6917% | 1,483 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0077% | 5,523 |
| Loan loss allowance to noncurrent loans | 120.9279% | 3,139 |
| Noncurrent assets plus other real estate owned to assets | 0.9673% | 3,484 |
| Noncurrent loans to loans | 0.8333% | 3,898 |
| Net loans and leases to total assets | 60.4054% | 3,638 |
| Net loans and leases to deposits | 75.8691% | 2,981 |
| Net loans and leases to core deposits | 83.7449% | 2,704 |
| Total domestic deposits to total assets | 79.6179% | 5,528 |
| Equity capital to assets | 11.6310% | 2,078 |
| Core capital (leverage) ratio | 11.4874% | 1,972 |
| Tier 1 risk-based capital ratio | 19.1665% | 1,875 |
| Total risk-based capital ratio | 20.3914% | 1,840 |
| Memoranda: | ||
| Average total assets | $205,585,800 | 2,964 |
| Average earning assets | $187,848,000 | 2,985 |
| Average equity | $23,029,800 | 2,816 |
| Average total loans | $121,102,400 | 3,014 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8843% | 4,559 |
| Cost of funding earning assets | 0.7083% | 1,900 |
| Net interest margin | 3.1760% | 5,070 |
| Noninterest income to average assets | 0.4389% | 4,225 |
| Noninterest expense to average assets | 2.6089% | 4,361 |
| Loan and lease loss provision to assets | 0.0837% | 3,390 |
| Net operating income to assets | 0.4358% | 5,090 |
| Return on assets (ROA) | 0.5123% | 4,899 |
| Pretax return on assets | 0.7710% | 4,415 |
| Return on Equity (ROE) | 4.6154% | 4,924 |
| Retained earnings to average equity (ytd only) | 4.6154% | 3,386 |
| Net charge-offs to loans | 0.0496% | 4,196 |
| Credit loss provision to net charge-offs | 288.8889% | 881 |
| Earnings coverage of net charge-offs (x) | 25.5105% | 1,384 |
| Efficiency ratio | 77.9316% | 2,436 |
| Assets per employee ($millions) | 6.0983% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0373% | 5,569 |
| Loan loss allowance to noncurrent loans | 99.5977% | 3,485 |
| Noncurrent assets plus other real estate owned to assets | 0.9421% | 3,782 |
| Noncurrent loans to loans | 1.0415% | 3,716 |
| Net loans and leases to total assets | 58.6892% | 3,893 |
| Net loans and leases to deposits | 74.1759% | 3,209 |
| Net loans and leases to core deposits | 81.4999% | 2,934 |
| Total domestic deposits to total assets | 79.1218% | 5,723 |
| Equity capital to assets | 11.4324% | 2,351 |
| Core capital (leverage) ratio | 11.3586% | 2,159 |
| Tier 1 risk-based capital ratio | 19.0437% | 1,982 |
| Total risk-based capital ratio | 20.2523% | 1,948 |
| Memoranda: | ||
| Average total assets | $207,180,000 | 2,959 |
| Average earning assets | $189,751,250 | 2,976 |
| Average equity | $22,994,750 | 2,853 |
| Average total loans | $120,988,500 | 3,040 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8596% | 4,624 |
| Cost of funding earning assets | 0.7140% | 1,969 |
| Net interest margin | 3.1456% | 5,137 |
| Noninterest income to average assets | 0.4102% | 4,450 |
| Noninterest expense to average assets | 2.5550% | 4,544 |
| Loan and lease loss provision to assets | 0.0765% | 3,522 |
| Net operating income to assets | 0.4424% | 5,051 |
| Return on assets (ROA) | 0.5183% | 4,890 |
| Pretax return on assets | 0.7937% | 4,337 |
| Return on Equity (ROE) | 4.7150% | 4,891 |
| Retained earnings to average equity (ytd only) | 4.7150% | 3,255 |
| Net charge-offs to loans | 0.0609% | 3,833 |
| Credit loss provision to net charge-offs | 216.2162% | 1,122 |
| Earnings coverage of net charge-offs (x) | 21.2973% | 1,419 |
| Efficiency ratio | 77.2254% | 2,591 |
| Assets per employee ($millions) | 6.0111% | 1,192 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9932% | 5,850 |
| Loan loss allowance to noncurrent loans | 98.8430% | 3,492 |
| Noncurrent assets plus other real estate owned to assets | 1.1944% | 3,357 |
| Noncurrent loans to loans | 1.0049% | 3,926 |
| Net loans and leases to total assets | 58.3327% | 3,933 |
| Net loans and leases to deposits | 72.6642% | 3,359 |
| Net loans and leases to core deposits | 80.2918% | 2,992 |
| Total domestic deposits to total assets | 80.2770% | 5,541 |
| Equity capital to assets | 11.2244% | 2,542 |
| Core capital (leverage) ratio | 11.1902% | 2,181 |
| Tier 1 risk-based capital ratio | 18.7813% | 2,050 |
| Total risk-based capital ratio | 19.9552% | 2,048 |
| Memoranda: | ||
| Average total assets | $209,159,000 | 2,961 |
| Average earning assets | $192,713,330 | 2,961 |
| Average equity | $22,990,670 | 2,868 |
| Average total loans | $121,536,000 | 3,037 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8147% | 4,776 |
| Cost of funding earning assets | 0.7316% | 1,987 |
| Net interest margin | 3.0830% | 5,325 |
| Noninterest income to average assets | 0.2004% | 6,041 |
| Noninterest expense to average assets | 2.5356% | 4,629 |
| Loan and lease loss provision to assets | 0.0378% | 3,957 |
| Net operating income to assets | 0.3265% | 5,463 |
| Return on assets (ROA) | 0.3952% | 5,294 |
| Pretax return on assets | 0.5994% | 4,948 |
| Return on Equity (ROE) | 3.6323% | 5,279 |
| Retained earnings to average equity (ytd only) | 3.6323% | 4,064 |
| Net charge-offs to loans | 0.1278% | 2,651 |
| Credit loss provision to net charge-offs | 51.2821% | 2,582 |
| Earnings coverage of net charge-offs (x) | 7.2308% | 2,099 |
| Efficiency ratio | 82.6248% | 1,944 |
| Assets per employee ($millions) | 6.0571% | 1,220 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9270% | 6,191 |
| Loan loss allowance to noncurrent loans | 47.8481% | 5,251 |
| Noncurrent assets plus other real estate owned to assets | 1.7073% | 2,732 |
| Noncurrent loans to loans | 1.9373% | 2,692 |
| Net loans and leases to total assets | 58.8520% | 3,640 |
| Net loans and leases to deposits | 73.0937% | 3,035 |
| Net loans and leases to core deposits | 81.3249% | 2,650 |
| Total domestic deposits to total assets | 80.5159% | 5,626 |
| Equity capital to assets | 11.2473% | 2,679 |
| Core capital (leverage) ratio | 10.6628% | 2,581 |
| Tier 1 risk-based capital ratio | 18.9576% | 2,052 |
| Total risk-based capital ratio | 20.1322% | 2,049 |
| Memoranda: | ||
| Average total assets | $211,550,500 | 2,964 |
| Average earning assets | $196,819,000 | 2,937 |
| Average equity | $23,016,000 | 2,919 |
| Average total loans | $122,097,000 | 3,048 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0275% | 5,220 |
| Cost of funding earning assets | 0.8849% | 2,034 |
| Net interest margin | 3.1425% | 5,717 |
| Noninterest income to average assets | 0.3292% | 5,102 |
| Noninterest expense to average assets | 2.5796% | 4,815 |
| Loan and lease loss provision to assets | 0.1152% | 4,189 |
| Net operating income to assets | 0.3620% | 5,247 |
| Return on assets (ROA) | 0.4051% | 5,333 |
| Pretax return on assets | 0.6081% | 4,973 |
| Return on Equity (ROE) | 3.7579% | 5,249 |
| Retained earnings to average equity (ytd only) | 3.7579% | 3,570 |
| Net charge-offs to loans | 0.1020% | 4,648 |
| Credit loss provision to net charge-offs | 196.7213% | 1,325 |
| Earnings coverage of net charge-offs (x) | 11.2541% | 2,055 |
| Efficiency ratio | 79.6532% | 2,188 |
| Assets per employee ($millions) | 6.3870% | 1,053 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9462% | 6,138 |
| Loan loss allowance to noncurrent loans | 38.2168% | 5,702 |
| Noncurrent assets plus other real estate owned to assets | 1.8406% | 2,656 |
| Noncurrent loans to loans | 2.4758% | 2,144 |
| Net loans and leases to total assets | 55.5842% | 4,367 |
| Net loans and leases to deposits | 68.8058% | 3,863 |
| Net loans and leases to core deposits | 76.0813% | 3,522 |
| Total domestic deposits to total assets | 80.7841% | 5,461 |
| Equity capital to assets | 10.5310% | 3,489 |
| Core capital (leverage) ratio | 10.7450% | 2,502 |
| Tier 1 risk-based capital ratio | 17.7939% | 2,339 |
| Total risk-based capital ratio | 18.8449% | 2,383 |
| Memoranda: | ||
| Average total assets | $208,369,000 | 2,945 |
| Average earning assets | $192,901,000 | 2,922 |
| Average equity | $22,459,200 | 2,922 |
| Average total loans | $119,595,800 | 3,084 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1126% | 5,145 |
| Cost of funding earning assets | 0.9145% | 2,076 |
| Net interest margin | 3.1982% | 5,710 |
| Noninterest income to average assets | 0.3091% | 5,313 |
| Noninterest expense to average assets | 2.5823% | 4,801 |
| Loan and lease loss provision to assets | 0.1164% | 4,104 |
| Net operating income to assets | 0.3769% | 5,342 |
| Return on assets (ROA) | 0.4333% | 5,342 |
| Pretax return on assets | 0.6519% | 5,005 |
| Return on Equity (ROE) | 3.9957% | 5,295 |
| Retained earnings to average equity (ytd only) | 3.9957% | 4,073 |
| Net charge-offs to loans | 0.1400% | 3,994 |
| Credit loss provision to net charge-offs | 144.0000% | 1,988 |
| Earnings coverage of net charge-offs (x) | 8.4481% | 2,441 |
| Efficiency ratio | 79.0850% | 2,228 |
| Assets per employee ($millions) | 6.0797% | 1,200 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9294% | 6,305 |
| Loan loss allowance to noncurrent loans | 33.8089% | 5,942 |
| Noncurrent assets plus other real estate owned to assets | 1.9849% | 2,666 |
| Noncurrent loans to loans | 2.7490% | 2,063 |
| Net loans and leases to total assets | 56.2085% | 4,418 |
| Net loans and leases to deposits | 69.4742% | 3,968 |
| Net loans and leases to core deposits | 77.1613% | 3,586 |
| Total domestic deposits to total assets | 80.9055% | 5,395 |
| Equity capital to assets | 11.0194% | 3,250 |
| Core capital (leverage) ratio | 10.7427% | 2,663 |
| Tier 1 risk-based capital ratio | 18.8152% | 2,067 |
| Total risk-based capital ratio | 19.8884% | 2,092 |
| Memoranda: | ||
| Average total assets | $206,171,500 | 3,006 |
| Average earning assets | $190,562,250 | 2,984 |
| Average equity | $22,356,750 | 2,962 |
| Average total loans | $119,030,000 | 3,139 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1491% | 5,134 |
| Cost of funding earning assets | 0.9426% | 2,102 |
| Net interest margin | 3.2065% | 5,716 |
| Noninterest income to average assets | 0.2621% | 5,707 |
| Noninterest expense to average assets | 2.5894% | 4,814 |
| Loan and lease loss provision to assets | 0.1165% | 4,068 |
| Net operating income to assets | 0.3446% | 5,453 |
| Return on assets (ROA) | 0.4272% | 5,352 |
| Pretax return on assets | 0.6389% | 4,998 |
| Return on Equity (ROE) | 3.9611% | 5,281 |
| Retained earnings to average equity (ytd only) | 3.9611% | 3,977 |
| Net charge-offs to loans | 0.2424% | 3,121 |
| Credit loss provision to net charge-offs | 82.7586% | 3,249 |
| Earnings coverage of net charge-offs (x) | 4.4897% | 3,065 |
| Efficiency ratio | 80.3797% | 2,113 |
| Assets per employee ($millions) | 5.8943% | 1,299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8572% | 6,556 |
| Loan loss allowance to noncurrent loans | 32.9742% | 6,019 |
| Noncurrent assets plus other real estate owned to assets | 1.8725% | 2,943 |
| Noncurrent loans to loans | 2.5996% | 2,312 |
| Net loans and leases to total assets | 56.6246% | 4,378 |
| Net loans and leases to deposits | 69.8092% | 3,922 |
| Net loans and leases to core deposits | 76.8617% | 3,674 |
| Total domestic deposits to total assets | 81.1133% | 5,430 |
| Equity capital to assets | 10.8566% | 3,282 |
| Core capital (leverage) ratio | 10.6981% | 2,599 |
| Tier 1 risk-based capital ratio | 18.8701% | 2,004 |
| Total risk-based capital ratio | 19.8562% | 2,057 |
| Memoranda: | ||
| Average total assets | $205,992,330 | 3,024 |
| Average earning assets | $190,112,330 | 2,999 |
| Average equity | $22,216,330 | 2,961 |
| Average total loans | $119,614,000 | 3,142 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2245% | 5,015 |
| Cost of funding earning assets | 0.9919% | 2,028 |
| Net interest margin | 3.2326% | 5,688 |
| Noninterest income to average assets | 0.2507% | 5,849 |
| Noninterest expense to average assets | 2.5904% | 4,854 |
| Loan and lease loss provision to assets | 0.1166% | 3,894 |
| Net operating income to assets | 0.3547% | 5,456 |
| Return on assets (ROA) | 0.4003% | 5,439 |
| Pretax return on assets | 0.5946% | 5,139 |
| Return on Equity (ROE) | 3.7241% | 5,415 |
| Retained earnings to average equity (ytd only) | 3.7241% | 4,353 |
| Net charge-offs to loans | 0.0199% | 4,412 |
| Credit loss provision to net charge-offs | 1,000.0000% | 338 |
| Earnings coverage of net charge-offs (x) | 55.1667% | 588 |
| Efficiency ratio | 80.1082% | 2,188 |
| Assets per employee ($millions) | 6.0639% | 1,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9111% | 6,510 |
| Loan loss allowance to noncurrent loans | 32.5172% | 6,043 |
| Noncurrent assets plus other real estate owned to assets | 2.0216% | 2,867 |
| Noncurrent loans to loans | 2.8020% | 2,306 |
| Net loans and leases to total assets | 57.4428% | 4,137 |
| Net loans and leases to deposits | 70.7507% | 3,620 |
| Net loans and leases to core deposits | 77.4216% | 3,408 |
| Total domestic deposits to total assets | 81.1905% | 5,548 |
| Equity capital to assets | 10.8021% | 3,143 |
| Core capital (leverage) ratio | 10.5036% | 2,747 |
| Tier 1 risk-based capital ratio | 18.8391% | 2,037 |
| Total risk-based capital ratio | 19.9386% | 2,050 |
| Memoranda: | ||
| Average total assets | $205,839,000 | 3,042 |
| Average earning assets | $189,937,500 | 3,016 |
| Average equity | $22,126,000 | 2,967 |
| Average total loans | $120,508,000 | 3,142 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4232% | 5,332 |
| Cost of funding earning assets | 1.2194% | 1,901 |
| Net interest margin | 3.2038% | 6,082 |
| Noninterest income to average assets | 0.2101% | 6,013 |
| Noninterest expense to average assets | 2.4579% | 5,612 |
| Loan and lease loss provision to assets | 0.0980% | 5,368 |
| Net operating income to assets | 0.4286% | 4,740 |
| Return on assets (ROA) | 0.4594% | 4,804 |
| Pretax return on assets | 0.6848% | 4,388 |
| Return on Equity (ROE) | 4.3447% | 4,704 |
| Retained earnings to average equity (ytd only) | 4.3447% | 3,084 |
| Net charge-offs to loans | 0.1023% | 5,335 |
| Credit loss provision to net charge-offs | 162.6016% | 1,691 |
| Earnings coverage of net charge-offs (x) | 12.2276% | 1,643 |
| Efficiency ratio | 76.9396% | 2,752 |
| Assets per employee ($millions) | 5.7085% | 1,432 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8519% | 6,641 |
| Loan loss allowance to noncurrent loans | 128.0941% | 2,456 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 5,692 |
| Noncurrent loans to loans | 0.6650% | 5,372 |
| Net loans and leases to total assets | 58.6168% | 4,261 |
| Net loans and leases to deposits | 74.1846% | 3,468 |
| Net loans and leases to core deposits | 79.1611% | 3,557 |
| Total domestic deposits to total assets | 79.0147% | 5,995 |
| Equity capital to assets | 10.6960% | 3,308 |
| Core capital (leverage) ratio | 10.4862% | 2,746 |
| Tier 1 risk-based capital ratio | 18.1416% | 2,147 |
| Total risk-based capital ratio | 19.0888% | 2,226 |
| Memoranda: | ||
| Average total assets | $204,161,600 | 3,006 |
| Average earning assets | $190,178,000 | 2,964 |
| Average equity | $21,589,600 | 2,933 |
| Average total loans | $120,290,600 | 3,166 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4414% | 5,456 |
| Cost of funding earning assets | 1.2542% | 1,973 |
| Net interest margin | 3.1872% | 6,189 |
| Noninterest income to average assets | 0.2191% | 6,044 |
| Noninterest expense to average assets | 2.4236% | 5,704 |
| Loan and lease loss provision to assets | 0.1047% | 5,137 |
| Net operating income to assets | 0.4493% | 4,783 |
| Return on assets (ROA) | 0.4612% | 4,910 |
| Pretax return on assets | 0.6875% | 4,526 |
| Return on Equity (ROE) | 4.3737% | 4,823 |
| Retained earnings to average equity (ytd only) | 4.3737% | 3,616 |
| Net charge-offs to loans | 0.0378% | 5,620 |
| Credit loss provision to net charge-offs | 470.5882% | 593 |
| Earnings coverage of net charge-offs (x) | 34.8253% | 841 |
| Efficiency ratio | 75.7824% | 2,871 |
| Assets per employee ($millions) | 6.0184% | 1,191 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8817% | 6,654 |
| Loan loss allowance to noncurrent loans | 85.2201% | 3,381 |
| Noncurrent assets plus other real estate owned to assets | 0.8147% | 5,143 |
| Noncurrent loans to loans | 1.0346% | 4,827 |
| Net loans and leases to total assets | 59.5535% | 4,218 |
| Net loans and leases to deposits | 75.2950% | 3,454 |
| Net loans and leases to core deposits | 79.9740% | 3,640 |
| Total domestic deposits to total assets | 79.0936% | 5,968 |
| Equity capital to assets | 10.6257% | 3,543 |
| Core capital (leverage) ratio | 10.4256% | 2,963 |
| Tier 1 risk-based capital ratio | 16.9180% | 2,671 |
| Total risk-based capital ratio | 17.7887% | 2,806 |
| Memoranda: | ||
| Average total assets | $203,825,500 | 3,033 |
| Average earning assets | $190,505,500 | 2,970 |
| Average equity | $21,491,750 | 2,949 |
| Average total loans | $119,989,250 | 3,197 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4315% | 5,588 |
| Cost of funding earning assets | 1.2738% | 2,095 |
| Net interest margin | 3.1577% | 6,268 |
| Noninterest income to average assets | 0.2279% | 6,030 |
| Noninterest expense to average assets | 2.4160% | 5,795 |
| Loan and lease loss provision to assets | 0.1179% | 4,799 |
| Net operating income to assets | 0.4361% | 4,789 |
| Return on assets (ROA) | 0.4539% | 4,839 |
| Pretax return on assets | 0.6750% | 4,481 |
| Return on Equity (ROE) | 4.3161% | 4,784 |
| Retained earnings to average equity (ytd only) | 4.3161% | 3,447 |
| Net charge-offs to loans | 0.0975% | 4,706 |
| Credit loss provision to net charge-offs | 206.8966% | 1,453 |
| Earnings coverage of net charge-offs (x) | 13.4483% | 1,545 |
| Efficiency ratio | 75.9185% | 3,023 |
| Assets per employee ($millions) | 6.0104% | 1,182 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8355% | 6,806 |
| Loan loss allowance to noncurrent loans | 83.1974% | 3,393 |
| Noncurrent assets plus other real estate owned to assets | 0.8030% | 5,279 |
| Noncurrent loans to loans | 1.0042% | 4,991 |
| Net loans and leases to total assets | 59.2436% | 4,420 |
| Net loans and leases to deposits | 74.8846% | 3,663 |
| Net loans and leases to core deposits | 79.4928% | 3,860 |
| Total domestic deposits to total assets | 79.1131% | 6,060 |
| Equity capital to assets | 10.6556% | 3,328 |
| Core capital (leverage) ratio | 10.3470% | 2,885 |
| Tier 1 risk-based capital ratio | 16.6420% | 2,676 |
| Total risk-based capital ratio | 17.5628% | 2,796 |
| Memoranda: | ||
| Average total assets | $203,558,670 | 3,059 |
| Average earning assets | $190,454,330 | 2,987 |
| Average equity | $21,408,000 | 2,945 |
| Average total loans | $119,003,670 | 3,248 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4116% | 5,653 |
| Cost of funding earning assets | 1.2869% | 2,261 |
| Net interest margin | 3.1247% | 6,277 |
| Noninterest income to average assets | 0.2225% | 6,144 |
| Noninterest expense to average assets | 2.4729% | 5,653 |
| Loan and lease loss provision to assets | 0.1181% | 4,532 |
| Net operating income to assets | 0.3802% | 5,027 |
| Return on assets (ROA) | 0.4017% | 5,026 |
| Pretax return on assets | 0.5887% | 4,728 |
| Return on Equity (ROE) | 3.8446% | 4,985 |
| Retained earnings to average equity (ytd only) | 3.8446% | 3,867 |
| Net charge-offs to loans | 0.1975% | 3,317 |
| Credit loss provision to net charge-offs | 103.4483% | 2,563 |
| Earnings coverage of net charge-offs (x) | 5.9138% | 2,186 |
| Efficiency ratio | 78.5491% | 2,762 |
| Assets per employee ($millions) | 6.1413% | 1,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8134% | 6,885 |
| Loan loss allowance to noncurrent loans | 64.8211% | 4,159 |
| Noncurrent assets plus other real estate owned to assets | 0.8206% | 5,263 |
| Noncurrent loans to loans | 1.2548% | 4,590 |
| Net loans and leases to total assets | 57.7621% | 4,677 |
| Net loans and leases to deposits | 72.9824% | 3,925 |
| Net loans and leases to core deposits | 77.6244% | 4,074 |
| Total domestic deposits to total assets | 79.1453% | 6,154 |
| Equity capital to assets | 10.5061% | 3,170 |
| Core capital (leverage) ratio | 10.2743% | 2,838 |
| Tier 1 risk-based capital ratio | 17.0921% | 2,439 |
| Total risk-based capital ratio | 17.9748% | 2,549 |
| Memoranda: | ||
| Average total assets | $203,161,500 | 3,078 |
| Average earning assets | $190,227,500 | 3,009 |
| Average equity | $21,224,500 | 2,955 |
| Average total loans | $117,462,500 | 3,300 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6902% | 5,832 |
| Cost of funding earning assets | 1.5276% | 2,493 |
| Net interest margin | 3.1626% | 6,358 |
| Noninterest income to average assets | 0.2703% | 5,853 |
| Noninterest expense to average assets | 2.4581% | 5,920 |
| Loan and lease loss provision to assets | 0.1322% | 5,853 |
| Net operating income to assets | 0.4115% | 4,493 |
| Return on assets (ROA) | 0.3819% | 4,774 |
| Pretax return on assets | 0.5905% | 4,354 |
| Return on Equity (ROE) | 3.7553% | 4,634 |
| Retained earnings to average equity (ytd only) | 3.7553% | 3,237 |
| Net charge-offs to loans | 0.2535% | 4,767 |
| Credit loss provision to net charge-offs | 89.4040% | 5,152 |
| Earnings coverage of net charge-offs (x) | 5.1954% | 2,688 |
| Efficiency ratio | 76.1876% | 3,029 |
| Assets per employee ($millions) | 6.1715% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8186% | 6,930 |
| Loan loss allowance to noncurrent loans | 75.5924% | 3,706 |
| Noncurrent assets plus other real estate owned to assets | 0.7066% | 5,587 |
| Noncurrent loans to loans | 1.0830% | 4,925 |
| Net loans and leases to total assets | 56.9309% | 5,200 |
| Net loans and leases to deposits | 71.7961% | 4,554 |
| Net loans and leases to core deposits | 76.3037% | 4,660 |
| Total domestic deposits to total assets | 79.2953% | 6,010 |
| Equity capital to assets | 10.3884% | 3,286 |
| Core capital (leverage) ratio | 10.0653% | 3,011 |
| Tier 1 risk-based capital ratio | 17.6888% | 2,094 |
| Total risk-based capital ratio | 18.5872% | 2,189 |
| Memoranda: | ||
| Average total assets | $204,223,000 | 3,052 |
| Average earning assets | $190,888,000 | 2,987 |
| Average equity | $20,770,400 | 3,046 |
| Average total loans | $119,138,400 | 3,325 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7439% | 5,877 |
| Cost of funding earning assets | 1.5869% | 2,462 |
| Net interest margin | 3.1570% | 6,462 |
| Noninterest income to average assets | 0.2623% | 6,019 |
| Noninterest expense to average assets | 2.4270% | 5,951 |
| Loan and lease loss provision to assets | 0.0881% | 6,168 |
| Net operating income to assets | 0.4498% | 4,539 |
| Return on assets (ROA) | 0.3921% | 4,960 |
| Pretax return on assets | 0.6074% | 4,572 |
| Return on Equity (ROE) | 3.8760% | 4,835 |
| Retained earnings to average equity (ytd only) | 3.8760% | 3,736 |
| Net charge-offs to loans | 0.0579% | 5,938 |
| Credit loss provision to net charge-offs | 259.6154% | 1,277 |
| Earnings coverage of net charge-offs (x) | 23.1160% | 1,068 |
| Efficiency ratio | 75.5790% | 3,023 |
| Assets per employee ($millions) | 5.7839% | 1,407 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8995% | 6,747 |
| Loan loss allowance to noncurrent loans | 80.3144% | 3,366 |
| Noncurrent assets plus other real estate owned to assets | 0.6600% | 5,807 |
| Noncurrent loans to loans | 1.1200% | 4,999 |
| Net loans and leases to total assets | 58.3957% | 5,203 |
| Net loans and leases to deposits | 73.7341% | 4,560 |
| Net loans and leases to core deposits | 78.8657% | 4,687 |
| Total domestic deposits to total assets | 79.1976% | 5,971 |
| Equity capital to assets | 10.4857% | 3,537 |
| Core capital (leverage) ratio | 9.8681% | 3,404 |
| Tier 1 risk-based capital ratio | 17.8413% | 2,061 |
| Total risk-based capital ratio | 18.8384% | 2,118 |
| Memoranda: | ||
| Average total assets | $204,364,000 | 3,089 |
| Average earning assets | $190,891,750 | 3,025 |
| Average equity | $20,673,750 | 3,090 |
| Average total loans | $119,697,500 | 3,375 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7516% | 5,971 |
| Cost of funding earning assets | 1.6400% | 2,434 |
| Net interest margin | 3.1117% | 6,577 |
| Noninterest income to average assets | 0.2722% | 5,975 |
| Noninterest expense to average assets | 2.4351% | 5,960 |
| Loan and lease loss provision to assets | 0.0878% | 6,048 |
| Net operating income to assets | 0.4276% | 4,629 |
| Return on assets (ROA) | 0.4390% | 4,744 |
| Pretax return on assets | 0.6712% | 4,336 |
| Return on Equity (ROE) | 4.3925% | 4,603 |
| Retained earnings to average equity (ytd only) | 4.3925% | 3,281 |
| Net charge-offs to loans | 0.0885% | 5,250 |
| Credit loss provision to net charge-offs | 169.8113% | 2,305 |
| Earnings coverage of net charge-offs (x) | 14.3396% | 1,529 |
| Efficiency ratio | 76.6585% | 2,959 |
| Assets per employee ($millions) | 6.0959% | 1,162 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8595% | 6,880 |
| Loan loss allowance to noncurrent loans | 78.6371% | 3,450 |
| Noncurrent assets plus other real estate owned to assets | 0.6301% | 5,912 |
| Noncurrent loans to loans | 1.0930% | 5,135 |
| Net loans and leases to total assets | 57.1533% | 5,537 |
| Net loans and leases to deposits | 71.9308% | 5,005 |
| Net loans and leases to core deposits | 77.0397% | 5,076 |
| Total domestic deposits to total assets | 79.4560% | 5,903 |
| Equity capital to assets | 10.0506% | 3,953 |
| Core capital (leverage) ratio | 9.7432% | 3,483 |
| Tier 1 risk-based capital ratio | 15.9957% | 2,673 |
| Total risk-based capital ratio | 16.8185% | 2,833 |
| Memoranda: | ||
| Average total assets | $205,006,000 | 3,103 |
| Average earning assets | $191,344,330 | 3,043 |
| Average equity | $20,489,330 | 3,108 |
| Average total loans | $119,834,000 | 3,412 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7940% | 5,909 |
| Cost of funding earning assets | 1.6654% | 2,563 |
| Net interest margin | 3.1286% | 6,520 |
| Noninterest income to average assets | 0.3002% | 5,748 |
| Noninterest expense to average assets | 2.4642% | 5,858 |
| Loan and lease loss provision to assets | 0.0883% | 5,753 |
| Net operating income to assets | 0.4345% | 4,692 |
| Return on assets (ROA) | 0.4591% | 4,698 |
| Pretax return on assets | 0.7004% | 4,231 |
| Return on Equity (ROE) | 4.6066% | 4,585 |
| Retained earnings to average equity (ytd only) | 4.6066% | 3,376 |
| Net charge-offs to loans | 0.0000% | 5,609 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6321% | 3,114 |
| Assets per employee ($millions) | 5.8547% | 1,368 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8642% | 6,943 |
| Loan loss allowance to noncurrent loans | 101.7699% | 2,732 |
| Noncurrent assets plus other real estate owned to assets | 0.4963% | 6,242 |
| Noncurrent loans to loans | 0.8491% | 5,615 |
| Net loans and leases to total assets | 57.9441% | 5,446 |
| Net loans and leases to deposits | 73.4310% | 4,835 |
| Net loans and leases to core deposits | 78.5804% | 4,951 |
| Total domestic deposits to total assets | 78.9096% | 6,096 |
| Equity capital to assets | 9.9935% | 3,885 |
| Core capital (leverage) ratio | 9.8265% | 3,372 |
| Tier 1 risk-based capital ratio | 17.3534% | 2,122 |
| Total risk-based capital ratio | 18.2861% | 2,206 |
| Memoranda: | ||
| Average total assets | $203,878,000 | 3,167 |
| Average earning assets | $189,988,500 | 3,119 |
| Average equity | $20,318,500 | 3,168 |
| Average total loans | $120,009,000 | 3,461 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3042% | 5,157 |
| Cost of funding earning assets | 2.0950% | 2,486 |
| Net interest margin | 3.2092% | 6,059 |
| Noninterest income to average assets | 0.1764% | 6,817 |
| Noninterest expense to average assets | 2.5517% | 5,945 |
| Loan and lease loss provision to assets | 0.0997% | 6,631 |
| Net operating income to assets | 0.3751% | 4,232 |
| Return on assets (ROA) | 0.2025% | 4,958 |
| Pretax return on assets | 0.2685% | 4,848 |
| Return on Equity (ROE) | 1.9999% | 4,902 |
| Retained earnings to average equity (ytd only) | 1.9999% | 3,702 |
| Net charge-offs to loans | 0.1166% | 6,002 |
| Credit loss provision to net charge-offs | 136.3636% | 3,621 |
| Earnings coverage of net charge-offs (x) | 8.1818% | 1,982 |
| Efficiency ratio | 81.0065% | 2,750 |
| Assets per employee ($millions) | 5.6345% | 1,528 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8233% | 7,063 |
| Loan loss allowance to noncurrent loans | 206.6806% | 1,441 |
| Noncurrent assets plus other real estate owned to assets | 0.3668% | 6,534 |
| Noncurrent loans to loans | 0.3983% | 6,480 |
| Net loans and leases to total assets | 58.7933% | 5,519 |
| Net loans and leases to deposits | 74.6085% | 4,938 |
| Net loans and leases to core deposits | 91.1772% | 4,991 |
| Total domestic deposits to total assets | 78.8023% | 6,031 |
| Equity capital to assets | 9.9382% | 3,850 |
| Core capital (leverage) ratio | 9.9677% | 3,125 |
| Tier 1 risk-based capital ratio | 16.8121% | 2,201 |
| Total risk-based capital ratio | 17.6622% | 2,301 |
| Memoranda: | ||
| Average total assets | $195,555,800 | 3,233 |
| Average earning assets | $181,196,200 | 3,204 |
| Average equity | $19,801,200 | 3,232 |
| Average total loans | $122,674,200 | 3,425 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4162% | 4,871 |
| Cost of funding earning assets | 2.1864% | 2,468 |
| Net interest margin | 3.2298% | 5,918 |
| Noninterest income to average assets | 0.2244% | 6,625 |
| Noninterest expense to average assets | 2.5698% | 5,825 |
| Loan and lease loss provision to assets | 0.1239% | 6,115 |
| Net operating income to assets | 0.4129% | 4,351 |
| Return on assets (ROA) | 0.1514% | 5,378 |
| Pretax return on assets | 0.1906% | 5,323 |
| Return on Equity (ROE) | 1.4881% | 5,336 |
| Retained earnings to average equity (ytd only) | 1.4881% | 4,480 |
| Net charge-offs to loans | 0.1482% | 5,222 |
| Credit loss provision to net charge-offs | 131.3869% | 3,810 |
| Earnings coverage of net charge-offs (x) | 6.8468% | 2,529 |
| Efficiency ratio | 79.9229% | 2,857 |
| Assets per employee ($millions) | 5.5942% | 1,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8186% | 7,062 |
| Loan loss allowance to noncurrent loans | 211.4224% | 1,401 |
| Noncurrent assets plus other real estate owned to assets | 0.5327% | 6,129 |
| Noncurrent loans to loans | 0.3872% | 6,568 |
| Net loans and leases to total assets | 60.7050% | 5,470 |
| Net loans and leases to deposits | 78.2172% | 4,712 |
| Net loans and leases to core deposits | 96.9652% | 4,707 |
| Total domestic deposits to total assets | 77.6109% | 6,190 |
| Equity capital to assets | 10.2270% | 3,814 |
| Core capital (leverage) ratio | 9.9931% | 3,292 |
| Tier 1 risk-based capital ratio | 17.0753% | 2,253 |
| Total risk-based capital ratio | 17.9422% | 2,311 |
| Memoranda: | ||
| Average total assets | $193,734,000 | 3,270 |
| Average earning assets | $179,409,000 | 3,244 |
| Average equity | $19,711,750 | 3,286 |
| Average total loans | $123,280,750 | 3,438 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5427% | 4,372 |
| Cost of funding earning assets | 2.2716% | 2,484 |
| Net interest margin | 3.2712% | 5,658 |
| Noninterest income to average assets | 0.2103% | 6,798 |
| Noninterest expense to average assets | 2.6294% | 5,620 |
| Loan and lease loss provision to assets | 0.1399% | 5,677 |
| Net operating income to assets | 0.3220% | 4,801 |
| Return on assets (ROA) | 0.5076% | 4,180 |
| Pretax return on assets | 0.7304% | 3,898 |
| Return on Equity (ROE) | 4.9980% | 4,074 |
| Retained earnings to average equity (ytd only) | 4.9980% | 2,505 |
| Net charge-offs to loans | 0.1897% | 4,364 |
| Credit loss provision to net charge-offs | 114.4068% | 4,045 |
| Earnings coverage of net charge-offs (x) | 4.9492% | 2,946 |
| Efficiency ratio | 81.2940% | 2,842 |
| Assets per employee ($millions) | 5.6528% | 1,447 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7916% | 7,184 |
| Loan loss allowance to noncurrent loans | 461.3527% | 712 |
| Noncurrent assets plus other real estate owned to assets | 0.3013% | 6,716 |
| Noncurrent loans to loans | 0.1716% | 7,091 |
| Net loans and leases to total assets | 62.2725% | 5,313 |
| Net loans and leases to deposits | 81.2739% | 4,341 |
| Net loans and leases to core deposits | 101.5355% | 4,337 |
| Total domestic deposits to total assets | 76.6205% | 6,414 |
| Equity capital to assets | 10.3510% | 3,564 |
| Core capital (leverage) ratio | 10.1243% | 3,164 |
| Tier 1 risk-based capital ratio | 16.8545% | 2,341 |
| Total risk-based capital ratio | 17.6728% | 2,420 |
| Memoranda: | ||
| Average total assets | $193,046,670 | 3,306 |
| Average earning assets | $178,467,670 | 3,280 |
| Average equity | $19,607,670 | 3,304 |
| Average total loans | $124,428,000 | 3,450 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5990% | 4,358 |
| Cost of funding earning assets | 2.2914% | 2,740 |
| Net interest margin | 3.3076% | 5,469 |
| Noninterest income to average assets | 0.2129% | 6,772 |
| Noninterest expense to average assets | 2.6402% | 5,263 |
| Loan and lease loss provision to assets | 0.0827% | 5,902 |
| Net operating income to assets | 0.3877% | 4,904 |
| Return on assets (ROA) | 0.4962% | 4,625 |
| Pretax return on assets | 0.7071% | 4,415 |
| Return on Equity (ROE) | 4.9321% | 4,502 |
| Retained earnings to average equity (ytd only) | 4.9321% | 3,172 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.6187% | 2,720 |
| Assets per employee ($millions) | 5.5867% | 1,488 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7826% | 7,222 |
| Loan loss allowance to noncurrent loans | 152.3364% | 2,128 |
| Noncurrent assets plus other real estate owned to assets | 0.3283% | 6,530 |
| Noncurrent loans to loans | 0.5137% | 6,144 |
| Net loans and leases to total assets | 63.4108% | 5,090 |
| Net loans and leases to deposits | 84.3126% | 3,930 |
| Net loans and leases to core deposits | 104.9082% | 4,038 |
| Total domestic deposits to total assets | 75.2092% | 6,661 |
| Equity capital to assets | 10.0166% | 3,987 |
| Core capital (leverage) ratio | 9.9832% | 3,429 |
| Tier 1 risk-based capital ratio | 16.2073% | 2,611 |
| Total risk-based capital ratio | 17.0362% | 2,697 |
| Memoranda: | ||
| Average total assets | $193,473,000 | 3,317 |
| Average earning assets | $179,103,500 | 3,291 |
| Average equity | $19,464,500 | 3,352 |
| Average total loans | $126,322,500 | 3,441 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0802% | 5,142 |
| Cost of funding earning assets | 2.8412% | 2,519 |
| Net interest margin | 3.2390% | 6,245 |
| Noninterest income to average assets | 0.2089% | 6,948 |
| Noninterest expense to average assets | 2.3118% | 6,662 |
| Loan and lease loss provision to assets | 0.0379% | 6,938 |
| Net operating income to assets | 0.5538% | 4,515 |
| Return on assets (ROA) | -0.4720% | 6,781 |
| Pretax return on assets | -0.7483% | 6,846 |
| Return on Equity (ROE) | -4.4866% | 6,807 |
| Retained earnings to average equity (ytd only) | -4.4866% | 6,414 |
| Net charge-offs to loans | 0.0104% | 6,780 |
| Credit loss provision to net charge-offs | 553.8462% | 795 |
| Earnings coverage of net charge-offs (x) | 130.4615% | 341 |
| Efficiency ratio | 72.1465% | 3,911 |
| Assets per employee ($millions) | 5.4689% | 1,479 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7347% | 7,344 |
| Loan loss allowance to noncurrent loans | 274.2690% | 1,467 |
| Noncurrent assets plus other real estate owned to assets | 0.1787% | 6,849 |
| Noncurrent loans to loans | 0.2679% | 6,573 |
| Net loans and leases to total assets | 66.2128% | 4,806 |
| Net loans and leases to deposits | 88.4184% | 3,736 |
| Net loans and leases to core deposits | 111.1084% | 3,665 |
| Total domestic deposits to total assets | 74.8858% | 6,477 |
| Equity capital to assets | 10.1055% | 3,915 |
| Core capital (leverage) ratio | 9.9821% | 3,466 |
| Tier 1 risk-based capital ratio | 16.0412% | 2,650 |
| Total risk-based capital ratio | 16.8280% | 2,749 |
| Memoranda: | ||
| Average total assets | $190,023,200 | 3,271 |
| Average earning assets | $175,733,400 | 3,249 |
| Average equity | $19,993,000 | 3,229 |
| Average total loans | $124,947,800 | 3,351 |