Home > Millington Bank > Performance and Condition Ratios
Millington Bank, Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2579% | 2,587 |
| Cost of funding earning assets | 1.0500% | 836 |
| Net interest margin | 3.2079% | 3,648 |
| Noninterest income to average assets | 0.1398% | 4,602 |
| Noninterest expense to average assets | 2.1209% | 3,982 |
| Loan and lease loss provision to assets | 0.1065% | 2,942 |
| Net operating income to assets | 0.6670% | 3,516 |
| Return on assets (ROA) | 0.6670% | 3,607 |
| Pretax return on assets | 0.9316% | 3,224 |
| Return on Equity (ROE) | 6.3974% | 3,366 |
| Retained earnings to average equity (ytd only) | 3.2051% | 3,302 |
| Net charge-offs to loans | 0.0019% | 2,954 |
| Credit loss provision to net charge-offs | 6,400.0000% | 183 |
| Earnings coverage of net charge-offs (x) | 623.8000% | 164 |
| Efficiency ratio | 67.1373% | 2,362 |
| Assets per employee ($millions) | 10.8785% | 397 |
| Cash dividends to net income (ytd only)* | 49.9002% | 1,561 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1270% | 2,894 |
| Loan loss allowance to noncurrent loans | 139.1014% | 2,714 |
| Noncurrent assets plus other real estate owned to assets | 0.7124% | 1,727 |
| Noncurrent loans to loans | 0.8102% | 1,874 |
| Net loans and leases to total assets | 86.9427% | 97 |
| Net loans and leases to deposits | 117.1222% | 116 |
| Net loans and leases to core deposits | 123.1209% | 361 |
| Total domestic deposits to total assets | 74.2325% | 4,577 |
| Equity capital to assets | 10.3591% | 2,875 |
| Core capital (leverage) ratio | 10.4609% | 2,396 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.6889% | 2,739 |
| Memoranda: | ||
| Average total assets | $600,871,000 | 1,291 |
| Average earning assets | $565,535,333 | 1,281 |
| Average equity | $62,650,333 | 1,384 |
| Average total loans | $526,112,333 | 1,076 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4218% | 2,537 |
| Cost of funding earning assets | 1.2046% | 764 |
| Net interest margin | 3.2171% | 3,816 |
| Noninterest income to average assets | 0.1589% | 4,579 |
| Noninterest expense to average assets | 2.2557% | 3,872 |
| Loan and lease loss provision to assets | 0.1676% | 1,750 |
| Net operating income to assets | 0.5490% | 3,744 |
| Return on assets (ROA) | 0.5490% | 3,806 |
| Pretax return on assets | 0.7736% | 3,482 |
| Return on Equity (ROE) | 5.2481% | 3,554 |
| Retained earnings to average equity (ytd only) | 5.2481% | 2,176 |
| Net charge-offs to loans | 0.0054% | 2,381 |
| Credit loss provision to net charge-offs | 3,571.4286% | 220 |
| Earnings coverage of net charge-offs (x) | 200.5714% | 344 |
| Efficiency ratio | 70.5599% | 2,273 |
| Assets per employee ($millions) | 10.3514% | 344 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1278% | 3,061 |
| Loan loss allowance to noncurrent loans | 175.4412% | 2,273 |
| Noncurrent assets plus other real estate owned to assets | 0.5663% | 2,297 |
| Noncurrent loans to loans | 0.6428% | 2,385 |
| Net loans and leases to total assets | 87.1014% | 94 |
| Net loans and leases to deposits | 116.3829% | 114 |
| Net loans and leases to core deposits | 137.7712% | 188 |
| Total domestic deposits to total assets | 74.8404% | 4,594 |
| Equity capital to assets | 10.4688% | 3,354 |
| Core capital (leverage) ratio | 10.5049% | 2,943 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.3939% | 2,974 |
| Memoranda: | ||
| Average total assets | $596,709,500 | 1,268 |
| Average earning assets | $563,485,500 | 1,248 |
| Average equity | $62,422,000 | 1,381 |
| Average total loans | $521,325,000 | 1,057 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4621% | 3,080 |
| Cost of funding earning assets | 1.2818% | 808 |
| Net interest margin | 3.1804% | 4,236 |
| Noninterest income to average assets | 0.1669% | 4,655 |
| Noninterest expense to average assets | 2.1036% | 4,359 |
| Loan and lease loss provision to assets | 0.0000% | 3,973 |
| Net operating income to assets | 0.7695% | 3,648 |
| Return on assets (ROA) | 0.7695% | 3,727 |
| Pretax return on assets | 1.0616% | 3,295 |
| Return on Equity (ROE) | 7.3331% | 3,429 |
| Retained earnings to average equity (ytd only) | -0.0147% | 4,702 |
| Net charge-offs to loans | -0.0132% | 4,542 |
| Credit loss provision to net charge-offs | 0.0000% | 3,383 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.4610% | 2,697 |
| Assets per employee ($millions) | 9.5651% | 403 |
| Cash dividends to net income (ytd only)* | 100.2004% | 290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1138% | 2,865 |
| Loan loss allowance to noncurrent loans | 184.1055% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 0.5241% | 2,318 |
| Noncurrent loans to loans | 0.6050% | 2,369 |
| Net loans and leases to total assets | 85.6645% | 184 |
| Net loans and leases to deposits | 106.9829% | 261 |
| Net loans and leases to core deposits | 126.2436% | 338 |
| Total domestic deposits to total assets | 80.0731% | 3,965 |
| Equity capital to assets | 10.4531% | 3,495 |
| Core capital (leverage) ratio | 10.7047% | 2,757 |
| Tier 1 risk-based capital ratio | 11.4347% | 4,658 |
| Total risk-based capital ratio | 12.5064% | 4,645 |
| Memoranda: | ||
| Average total assets | $583,655,800 | 1,246 |
| Average earning assets | $550,252,200 | 1,236 |
| Average equity | $61,242,800 | 1,366 |
| Average total loans | $505,917,000 | 1,070 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4914% | 3,085 |
| Cost of funding earning assets | 1.2966% | 799 |
| Net interest margin | 3.1948% | 4,311 |
| Noninterest income to average assets | 0.1360% | 4,854 |
| Noninterest expense to average assets | 2.1232% | 4,320 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 0.7367% | 3,891 |
| Return on assets (ROA) | 0.7367% | 3,958 |
| Pretax return on assets | 1.0234% | 3,512 |
| Return on Equity (ROE) | 7.0142% | 3,674 |
| Retained earnings to average equity (ytd only) | -2.8127% | 4,980 |
| Net charge-offs to loans | -0.0016% | 4,039 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.4758% | 2,506 |
| Assets per employee ($millions) | 9.3841% | 421 |
| Cash dividends to net income (ytd only)* | 140.0996% | 135 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1037% | 3,010 |
| Loan loss allowance to noncurrent loans | 164.9476% | 2,442 |
| Noncurrent assets plus other real estate owned to assets | 0.5805% | 2,267 |
| Noncurrent loans to loans | 0.6691% | 2,280 |
| Net loans and leases to total assets | 85.8033% | 204 |
| Net loans and leases to deposits | 106.2733% | 309 |
| Net loans and leases to core deposits | 140.8270% | 177 |
| Total domestic deposits to total assets | 80.7384% | 3,824 |
| Equity capital to assets | 10.2552% | 3,772 |
| Core capital (leverage) ratio | 10.4672% | 3,132 |
| Tier 1 risk-based capital ratio | 11.4728% | 4,681 |
| Total risk-based capital ratio | 12.5605% | 4,660 |
| Memoranda: | ||
| Average total assets | $581,310,500 | 1,254 |
| Average earning assets | $547,787,500 | 1,238 |
| Average equity | $61,055,750 | 1,368 |
| Average total loans | $503,960,250 | 1,069 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5074% | 2,992 |
| Cost of funding earning assets | 1.2754% | 801 |
| Net interest margin | 3.2320% | 4,285 |
| Noninterest income to average assets | 0.1298% | 4,932 |
| Noninterest expense to average assets | 2.2103% | 4,201 |
| Loan and lease loss provision to assets | 0.0000% | 3,685 |
| Net operating income to assets | 0.6920% | 4,028 |
| Return on assets (ROA) | 0.6920% | 4,089 |
| Pretax return on assets | 0.9647% | 3,668 |
| Return on Equity (ROE) | 6.5362% | 3,865 |
| Retained earnings to average equity (ytd only) | 6.5362% | 2,034 |
| Net charge-offs to loans | -0.0024% | 3,987 |
| Credit loss provision to net charge-offs | 0.0000% | 2,725 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.6164% | 2,290 |
| Assets per employee ($millions) | 8.9465% | 473 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1325% | 2,890 |
| Loan loss allowance to noncurrent loans | 140.2626% | 2,754 |
| Noncurrent assets plus other real estate owned to assets | 0.6940% | 1,976 |
| Noncurrent loans to loans | 0.8074% | 1,981 |
| Net loans and leases to total assets | 84.9822% | 283 |
| Net loans and leases to deposits | 117.0993% | 111 |
| Net loans and leases to core deposits | 135.1496% | 241 |
| Total domestic deposits to total assets | 72.5728% | 4,937 |
| Equity capital to assets | 10.2032% | 3,791 |
| Core capital (leverage) ratio | 10.3625% | 3,232 |
| Tier 1 risk-based capital ratio | 11.3141% | 4,784 |
| Total risk-based capital ratio | 12.4093% | 4,742 |
| Memoranda: | ||
| Average total assets | $578,013,670 | 1,262 |
| Average earning assets | $544,614,670 | 1,246 |
| Average equity | $61,198,000 | 1,357 |
| Average total loans | $500,970,000 | 1,077 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4969% | 2,878 |
| Cost of funding earning assets | 1.2531% | 761 |
| Net interest margin | 3.2439% | 4,294 |
| Noninterest income to average assets | 0.1312% | 4,943 |
| Noninterest expense to average assets | 2.4815% | 3,560 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.5074% | 4,501 |
| Return on assets (ROA) | 0.5074% | 4,521 |
| Pretax return on assets | 0.7080% | 4,283 |
| Return on Equity (ROE) | 4.7063% | 4,406 |
| Retained earnings to average equity (ytd only) | 4.7063% | 3,037 |
| Net charge-offs to loans | -0.0024% | 3,886 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.8020% | 1,287 |
| Assets per employee ($millions) | 9.6278% | 385 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1428% | 2,898 |
| Loan loss allowance to noncurrent loans | 147.3821% | 2,700 |
| Noncurrent assets plus other real estate owned to assets | 0.6758% | 2,074 |
| Noncurrent loans to loans | 0.7754% | 2,095 |
| Net loans and leases to total assets | 86.1635% | 179 |
| Net loans and leases to deposits | 112.4491% | 172 |
| Net loans and leases to core deposits | 122.7387% | 457 |
| Total domestic deposits to total assets | 76.6244% | 4,691 |
| Equity capital to assets | 11.0062% | 2,846 |
| Core capital (leverage) ratio | 10.8331% | 2,735 |
| Tier 1 risk-based capital ratio | 12.2279% | 4,335 |
| Total risk-based capital ratio | 13.3496% | 4,295 |
| Memoranda: | ||
| Average total assets | $576,258,500 | 1,267 |
| Average earning assets | $543,302,500 | 1,249 |
| Average equity | $62,130,000 | 1,335 |
| Average total loans | $501,528,500 | 1,079 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2814% | 3,176 |
| Cost of funding earning assets | 1.0024% | 739 |
| Net interest margin | 3.2790% | 4,313 |
| Noninterest income to average assets | 0.1379% | 5,019 |
| Noninterest expense to average assets | 1.9941% | 4,763 |
| Loan and lease loss provision to assets | 0.0413% | 3,359 |
| Net operating income to assets | 0.8645% | 3,563 |
| Return on assets (ROA) | 0.8645% | 3,558 |
| Pretax return on assets | 1.1816% | 2,955 |
| Return on Equity (ROE) | 8.4420% | 3,244 |
| Retained earnings to average equity (ytd only) | 4.3185% | 3,169 |
| Net charge-offs to loans | -0.0002% | 4,147 |
| Credit loss provision to net charge-offs | -24,000.0000% | 4,995 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9861% | 3,529 |
| Assets per employee ($millions) | 10.2539% | 321 |
| Cash dividends to net income (ytd only)* | 48.8446% | 2,031 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1133% | 3,018 |
| Loan loss allowance to noncurrent loans | 136.8256% | 2,886 |
| Noncurrent assets plus other real estate owned to assets | 0.7071% | 1,959 |
| Noncurrent loans to loans | 0.8137% | 1,977 |
| Net loans and leases to total assets | 85.9402% | 235 |
| Net loans and leases to deposits | 118.6680% | 108 |
| Net loans and leases to core deposits | 122.4495% | 484 |
| Total domestic deposits to total assets | 72.4207% | 5,052 |
| Equity capital to assets | 10.5633% | 3,114 |
| Core capital (leverage) ratio | 10.7130% | 2,826 |
| Tier 1 risk-based capital ratio | 11.8981% | 4,496 |
| Total risk-based capital ratio | 13.0018% | 4,468 |
| Memoranda: | ||
| Average total assets | $580,659,800 | 1,235 |
| Average earning assets | $545,265,400 | 1,224 |
| Average equity | $59,464,600 | 1,331 |
| Average total loans | $497,796,800 | 1,052 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2518% | 3,144 |
| Cost of funding earning assets | 0.9572% | 725 |
| Net interest margin | 3.2946% | 4,293 |
| Noninterest income to average assets | 0.1385% | 5,079 |
| Noninterest expense to average assets | 2.0132% | 4,714 |
| Loan and lease loss provision to assets | 0.0552% | 2,871 |
| Net operating income to assets | 0.8535% | 3,722 |
| Return on assets (ROA) | 0.8535% | 3,730 |
| Pretax return on assets | 1.1608% | 3,156 |
| Return on Equity (ROE) | 8.4011% | 3,379 |
| Retained earnings to average equity (ytd only) | 2.8502% | 4,293 |
| Net charge-offs to loans | -0.0005% | 3,993 |
| Credit loss provision to net charge-offs | -12,000.0000% | 4,915 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.3433% | 3,452 |
| Assets per employee ($millions) | 10.0059% | 332 |
| Cash dividends to net income (ytd only)* | 66.0738% | 982 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1301% | 3,022 |
| Loan loss allowance to noncurrent loans | 198.6653% | 2,255 |
| Noncurrent assets plus other real estate owned to assets | 0.4823% | 2,762 |
| Noncurrent loans to loans | 0.5688% | 2,671 |
| Net loans and leases to total assets | 83.8230% | 475 |
| Net loans and leases to deposits | 111.1341% | 261 |
| Net loans and leases to core deposits | 114.6910% | 779 |
| Total domestic deposits to total assets | 75.4250% | 4,844 |
| Equity capital to assets | 10.2212% | 3,432 |
| Core capital (leverage) ratio | 10.4985% | 3,087 |
| Tier 1 risk-based capital ratio | 11.7200% | 4,657 |
| Total risk-based capital ratio | 12.8312% | 4,632 |
| Memoranda: | ||
| Average total assets | $579,706,000 | 1,239 |
| Average earning assets | $543,819,250 | 1,229 |
| Average equity | $58,895,750 | 1,345 |
| Average total loans | $495,257,500 | 1,061 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1148% | 3,399 |
| Cost of funding earning assets | 0.9093% | 709 |
| Net interest margin | 3.2055% | 4,487 |
| Noninterest income to average assets | 0.1427% | 5,106 |
| Noninterest expense to average assets | 1.9998% | 4,802 |
| Loan and lease loss provision to assets | 0.0625% | 2,654 |
| Net operating income to assets | 0.8164% | 3,803 |
| Return on assets (ROA) | 0.8164% | 3,810 |
| Pretax return on assets | 1.1004% | 3,312 |
| Return on Equity (ROE) | 8.0529% | 3,479 |
| Retained earnings to average equity (ytd only) | -0.3424% | 5,003 |
| Net charge-offs to loans | -0.0008% | 3,878 |
| Credit loss provision to net charge-offs | -9,000.0000% | 4,802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2313% | 3,429 |
| Assets per employee ($millions) | 9.3941% | 390 |
| Cash dividends to net income (ytd only)* | 104.2517% | 344 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0860% | 3,350 |
| Loan loss allowance to noncurrent loans | 135.5292% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.6868% | 2,182 |
| Noncurrent loans to loans | 0.8013% | 2,127 |
| Net loans and leases to total assets | 84.7758% | 375 |
| Net loans and leases to deposits | 111.6889% | 240 |
| Net loans and leases to core deposits | 122.0423% | 518 |
| Total domestic deposits to total assets | 75.9035% | 4,861 |
| Equity capital to assets | 9.7939% | 3,824 |
| Core capital (leverage) ratio | 10.3318% | 3,203 |
| Tier 1 risk-based capital ratio | 11.3039% | 4,898 |
| Total risk-based capital ratio | 12.3895% | 4,883 |
| Memoranda: | ||
| Average total assets | $576,158,330 | 1,247 |
| Average earning assets | $542,817,000 | 1,235 |
| Average equity | $58,414,000 | 1,353 |
| Average total loans | $493,508,670 | 1,063 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0988% | 3,240 |
| Cost of funding earning assets | 0.8635% | 713 |
| Net interest margin | 3.2353% | 4,354 |
| Noninterest income to average assets | 0.1448% | 5,144 |
| Noninterest expense to average assets | 2.0737% | 4,716 |
| Loan and lease loss provision to assets | 0.0639% | 2,493 |
| Net operating income to assets | 0.7636% | 3,858 |
| Return on assets (ROA) | 0.7636% | 3,857 |
| Pretax return on assets | 1.0489% | 3,361 |
| Return on Equity (ROE) | 7.3978% | 3,635 |
| Retained earnings to average equity (ytd only) | -9.4604% | 5,352 |
| Net charge-offs to loans | -0.0017% | 3,792 |
| Credit loss provision to net charge-offs | -4,500.0000% | 4,423 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.0780% | 3,305 |
| Assets per employee ($millions) | 8.4176% | 542 |
| Cash dividends to net income (ytd only)* | 227.8810% | 152 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1319% | 3,196 |
| Loan loss allowance to noncurrent loans | 153.2424% | 2,708 |
| Noncurrent assets plus other real estate owned to assets | 0.6371% | 2,407 |
| Noncurrent loans to loans | 0.7387% | 2,358 |
| Net loans and leases to total assets | 85.2718% | 318 |
| Net loans and leases to deposits | 108.1067% | 314 |
| Net loans and leases to core deposits | 120.1305% | 582 |
| Total domestic deposits to total assets | 78.8774% | 4,596 |
| Equity capital to assets | 10.1982% | 3,398 |
| Core capital (leverage) ratio | 10.3772% | 3,086 |
| Tier 1 risk-based capital ratio | 11.4250% | 4,893 |
| Total risk-based capital ratio | 12.5294% | 4,878 |
| Memoranda: | ||
| Average total assets | $563,627,500 | 1,274 |
| Average earning assets | $529,910,500 | 1,265 |
| Average equity | $58,179,500 | 1,371 |
| Average total loans | $482,620,500 | 1,091 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0705% | 3,166 |
| Cost of funding earning assets | 0.7348% | 872 |
| Net interest margin | 3.3357% | 4,052 |
| Noninterest income to average assets | 0.1606% | 5,157 |
| Noninterest expense to average assets | 2.1372% | 4,683 |
| Loan and lease loss provision to assets | 0.2318% | 837 |
| Net operating income to assets | 0.5568% | 4,203 |
| Return on assets (ROA) | 0.5568% | 4,238 |
| Pretax return on assets | 0.9150% | 3,862 |
| Return on Equity (ROE) | 4.9712% | 4,172 |
| Retained earnings to average equity (ytd only) | 4.9712% | 2,149 |
| Net charge-offs to loans | 0.0574% | 2,662 |
| Credit loss provision to net charge-offs | 479.7571% | 653 |
| Earnings coverage of net charge-offs (x) | 23.7328% | 1,793 |
| Efficiency ratio | 65.0780% | 3,426 |
| Assets per employee ($millions) | 8.6658% | 504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1307% | 3,185 |
| Loan loss allowance to noncurrent loans | 130.9944% | 3,065 |
| Noncurrent assets plus other real estate owned to assets | 0.7337% | 2,130 |
| Noncurrent loans to loans | 0.8632% | 2,071 |
| Net loans and leases to total assets | 84.0451% | 439 |
| Net loans and leases to deposits | 102.6381% | 568 |
| Net loans and leases to core deposits | 113.8291% | 807 |
| Total domestic deposits to total assets | 81.8849% | 3,897 |
| Equity capital to assets | 10.4466% | 3,218 |
| Core capital (leverage) ratio | 10.7227% | 2,619 |
| Tier 1 risk-based capital ratio | 11.9829% | 4,540 |
| Total risk-based capital ratio | 13.0950% | 4,519 |
| Memoranda: | ||
| Average total assets | $511,139,200 | 1,369 |
| Average earning assets | $478,615,600 | 1,360 |
| Average equity | $57,249,600 | 1,375 |
| Average total loans | $430,446,000 | 1,164 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0378% | 3,223 |
| Cost of funding earning assets | 0.7003% | 965 |
| Net interest margin | 3.3375% | 4,052 |
| Noninterest income to average assets | 0.1635% | 5,200 |
| Noninterest expense to average assets | 2.1856% | 4,554 |
| Loan and lease loss provision to assets | 0.2637% | 636 |
| Net operating income to assets | 0.6807% | 4,074 |
| Return on assets (ROA) | 0.6807% | 4,134 |
| Pretax return on assets | 0.8346% | 4,257 |
| Return on Equity (ROE) | 5.9639% | 4,140 |
| Retained earnings to average equity (ytd only) | 5.9639% | 2,259 |
| Net charge-offs to loans | 0.0593% | 2,273 |
| Credit loss provision to net charge-offs | 529.5699% | 602 |
| Earnings coverage of net charge-offs (x) | 22.0595% | 1,887 |
| Efficiency ratio | 66.5553% | 3,114 |
| Assets per employee ($millions) | 8.5991% | 503 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1306% | 3,305 |
| Loan loss allowance to noncurrent loans | 118.6727% | 3,245 |
| Noncurrent assets plus other real estate owned to assets | 0.8205% | 2,098 |
| Noncurrent loans to loans | 0.9527% | 2,019 |
| Net loans and leases to total assets | 85.1478% | 324 |
| Net loans and leases to deposits | 112.5654% | 205 |
| Net loans and leases to core deposits | 119.3178% | 612 |
| Total domestic deposits to total assets | 75.6430% | 5,062 |
| Equity capital to assets | 10.7840% | 3,084 |
| Core capital (leverage) ratio | 11.2091% | 2,266 |
| Tier 1 risk-based capital ratio | 12.4674% | 4,342 |
| Total risk-based capital ratio | 13.6015% | 4,315 |
| Memoranda: | ||
| Average total assets | $498,105,250 | 1,417 |
| Average earning assets | $465,686,500 | 1,406 |
| Average equity | $56,851,250 | 1,394 |
| Average total loans | $418,352,750 | 1,199 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9945% | 3,224 |
| Cost of funding earning assets | 0.6803% | 992 |
| Net interest margin | 3.3142% | 4,063 |
| Noninterest income to average assets | 0.1683% | 5,213 |
| Noninterest expense to average assets | 2.2339% | 4,492 |
| Loan and lease loss provision to assets | 0.2047% | 885 |
| Net operating income to assets | 0.5571% | 4,490 |
| Return on assets (ROA) | 0.5571% | 4,535 |
| Pretax return on assets | 0.8247% | 4,184 |
| Return on Equity (ROE) | 4.7827% | 4,575 |
| Retained earnings to average equity (ytd only) | 4.7827% | 2,863 |
| Net charge-offs to loans | 0.0229% | 2,768 |
| Credit loss provision to net charge-offs | 1,076.0870% | 370 |
| Earnings coverage of net charge-offs (x) | 54.1087% | 1,016 |
| Efficiency ratio | 68.4537% | 2,930 |
| Assets per employee ($millions) | 7.6846% | 694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1419% | 3,358 |
| Loan loss allowance to noncurrent loans | 71.2117% | 4,147 |
| Noncurrent assets plus other real estate owned to assets | 1.3636% | 1,165 |
| Noncurrent loans to loans | 1.6035% | 1,154 |
| Net loans and leases to total assets | 84.0660% | 441 |
| Net loans and leases to deposits | 104.8785% | 449 |
| Net loans and leases to core deposits | 111.8943% | 910 |
| Total domestic deposits to total assets | 80.1556% | 4,370 |
| Equity capital to assets | 11.2598% | 2,536 |
| Core capital (leverage) ratio | 11.6000% | 1,895 |
| Tier 1 risk-based capital ratio | 13.5373% | 3,684 |
| Total risk-based capital ratio | 14.7121% | 3,633 |
| Memoranda: | ||
| Average total assets | $483,558,330 | 1,462 |
| Average earning assets | $451,574,330 | 1,446 |
| Average equity | $56,327,670 | 1,406 |
| Average total loans | $402,283,670 | 1,239 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9032% | 3,388 |
| Cost of funding earning assets | 0.6501% | 1,077 |
| Net interest margin | 3.2531% | 4,159 |
| Noninterest income to average assets | 0.1594% | 5,323 |
| Noninterest expense to average assets | 2.2512% | 4,532 |
| Loan and lease loss provision to assets | 0.1653% | 1,085 |
| Net operating income to assets | 0.4918% | 4,634 |
| Return on assets (ROA) | 0.4918% | 4,653 |
| Pretax return on assets | 0.7767% | 4,197 |
| Return on Equity (ROE) | 4.1475% | 4,733 |
| Retained earnings to average equity (ytd only) | 4.1475% | 3,387 |
| Net charge-offs to loans | 0.0464% | 1,921 |
| Credit loss provision to net charge-offs | 433.3333% | 621 |
| Earnings coverage of net charge-offs (x) | 24.6889% | 1,347 |
| Efficiency ratio | 70.4992% | 2,814 |
| Assets per employee ($millions) | 7.4134% | 783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1477% | 3,425 |
| Loan loss allowance to noncurrent loans | 62.1858% | 4,377 |
| Noncurrent assets plus other real estate owned to assets | 1.5438% | 1,022 |
| Noncurrent loans to loans | 1.8456% | 1,003 |
| Net loans and leases to total assets | 82.6870% | 492 |
| Net loans and leases to deposits | 107.3223% | 277 |
| Net loans and leases to core deposits | 115.8125% | 600 |
| Total domestic deposits to total assets | 77.0455% | 5,105 |
| Equity capital to assets | 11.6761% | 2,061 |
| Core capital (leverage) ratio | 12.2293% | 1,481 |
| Tier 1 risk-based capital ratio | 14.3968% | 3,259 |
| Total risk-based capital ratio | 15.5862% | 3,209 |
| Memoranda: | ||
| Average total assets | $471,745,000 | 1,497 |
| Average earning assets | $439,946,500 | 1,484 |
| Average equity | $55,937,500 | 1,407 |
| Average total loans | $387,778,000 | 1,285 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7388% | 4,095 |
| Cost of funding earning assets | 0.6061% | 1,295 |
| Net interest margin | 3.1326% | 4,634 |
| Noninterest income to average assets | 0.2545% | 4,896 |
| Noninterest expense to average assets | 2.4851% | 4,065 |
| Loan and lease loss provision to assets | 0.1954% | 1,191 |
| Net operating income to assets | 0.3232% | 5,160 |
| Return on assets (ROA) | 0.3232% | 5,234 |
| Pretax return on assets | 0.5027% | 5,018 |
| Return on Equity (ROE) | 2.4139% | 5,309 |
| Retained earnings to average equity (ytd only) | 2.4139% | 4,149 |
| Net charge-offs to loans | -0.0240% | 5,174 |
| Credit loss provision to net charge-offs | -1,081.0811% | 5,306 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.0694% | 1,687 |
| Assets per employee ($millions) | 7.3272% | 790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2017% | 3,117 |
| Loan loss allowance to noncurrent loans | 64.1261% | 4,354 |
| Noncurrent assets plus other real estate owned to assets | 1.5121% | 1,093 |
| Noncurrent loans to loans | 1.8739% | 997 |
| Net loans and leases to total assets | 79.7215% | 930 |
| Net loans and leases to deposits | 97.2794% | 884 |
| Net loans and leases to core deposits | 102.5486% | 1,407 |
| Total domestic deposits to total assets | 81.9510% | 4,091 |
| Equity capital to assets | 12.0470% | 1,767 |
| Core capital (leverage) ratio | 12.7242% | 1,242 |
| Tier 1 risk-based capital ratio | 15.6582% | 2,683 |
| Total risk-based capital ratio | 16.9085% | 2,610 |
| Memoranda: | ||
| Average total assets | $409,400,200 | 1,646 |
| Average earning assets | $382,744,000 | 1,627 |
| Average equity | $54,807,200 | 1,404 |
| Average total loans | $308,561,800 | 1,483 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7250% | 4,166 |
| Cost of funding earning assets | 0.5951% | 1,370 |
| Net interest margin | 3.1300% | 4,699 |
| Noninterest income to average assets | 0.2812% | 4,756 |
| Noninterest expense to average assets | 2.6242% | 3,584 |
| Loan and lease loss provision to assets | 0.1682% | 1,357 |
| Net operating income to assets | 0.2762% | 5,330 |
| Return on assets (ROA) | 0.2762% | 5,414 |
| Pretax return on assets | 0.4155% | 5,276 |
| Return on Equity (ROE) | 2.0046% | 5,470 |
| Retained earnings to average equity (ytd only) | 2.0046% | 4,683 |
| Net charge-offs to loans | 0.0264% | 3,140 |
| Credit loss provision to net charge-offs | 862.0690% | 464 |
| Earnings coverage of net charge-offs (x) | 29.9144% | 1,493 |
| Efficiency ratio | 81.8058% | 1,218 |
| Assets per employee ($millions) | 6.8828% | 934 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2134% | 3,153 |
| Loan loss allowance to noncurrent loans | 64.2823% | 4,399 |
| Noncurrent assets plus other real estate owned to assets | 1.4508% | 1,257 |
| Noncurrent loans to loans | 1.8876% | 1,063 |
| Net loans and leases to total assets | 75.9261% | 1,532 |
| Net loans and leases to deposits | 93.9002% | 1,264 |
| Net loans and leases to core deposits | 97.9455% | 1,821 |
| Total domestic deposits to total assets | 80.8583% | 4,284 |
| Equity capital to assets | 12.7059% | 1,643 |
| Core capital (leverage) ratio | 13.5151% | 992 |
| Tier 1 risk-based capital ratio | 17.6776% | 2,016 |
| Total risk-based capital ratio | 18.9280% | 1,973 |
| Memoranda: | ||
| Average total assets | $396,346,250 | 1,702 |
| Average earning assets | $370,600,750 | 1,683 |
| Average equity | $54,606,250 | 1,416 |
| Average total loans | $292,581,500 | 1,554 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7948% | 3,972 |
| Cost of funding earning assets | 0.5944% | 1,357 |
| Net interest margin | 3.2003% | 4,539 |
| Noninterest income to average assets | 0.3402% | 4,345 |
| Noninterest expense to average assets | 2.7933% | 3,052 |
| Loan and lease loss provision to assets | 0.1667% | 1,348 |
| Net operating income to assets | 0.2480% | 5,431 |
| Return on assets (ROA) | 0.2480% | 5,500 |
| Pretax return on assets | 0.3756% | 5,379 |
| Return on Equity (ROE) | 1.7486% | 5,565 |
| Retained earnings to average equity (ytd only) | 1.7486% | 4,686 |
| Net charge-offs to loans | 0.0380% | 2,701 |
| Credit loss provision to net charge-offs | 603.7736% | 559 |
| Earnings coverage of net charge-offs (x) | 19.6415% | 1,763 |
| Efficiency ratio | 83.7420% | 1,074 |
| Assets per employee ($millions) | 6.7099% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3052% | 2,750 |
| Loan loss allowance to noncurrent loans | 52.1569% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 1.8738% | 905 |
| Noncurrent loans to loans | 2.5024% | 696 |
| Net loans and leases to total assets | 73.9021% | 1,862 |
| Net loans and leases to deposits | 93.5454% | 1,334 |
| Net loans and leases to core deposits | 98.0804% | 1,800 |
| Total domestic deposits to total assets | 79.0013% | 4,788 |
| Equity capital to assets | 13.8252% | 1,083 |
| Core capital (leverage) ratio | 14.1622% | 784 |
| Tier 1 risk-based capital ratio | 20.2282% | 1,407 |
| Total risk-based capital ratio | 21.4804% | 1,378 |
| Memoranda: | ||
| Average total assets | $383,922,000 | 1,742 |
| Average earning assets | $359,336,330 | 1,733 |
| Average equity | $54,443,330 | 1,422 |
| Average total loans | $279,017,330 | 1,624 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7292% | 4,215 |
| Cost of funding earning assets | 0.5982% | 1,347 |
| Net interest margin | 3.1310% | 4,777 |
| Noninterest income to average assets | 0.1503% | 5,588 |
| Noninterest expense to average assets | 2.6385% | 3,623 |
| Loan and lease loss provision to assets | 0.1376% | 1,522 |
| Net operating income to assets | 0.2053% | 5,517 |
| Return on assets (ROA) | 0.2053% | 5,581 |
| Pretax return on assets | 0.3048% | 5,501 |
| Return on Equity (ROE) | 1.4291% | 5,629 |
| Retained earnings to average equity (ytd only) | 1.4291% | 4,694 |
| Net charge-offs to loans | 0.0903% | 1,602 |
| Credit loss provision to net charge-offs | 213.1148% | 1,038 |
| Earnings coverage of net charge-offs (x) | 6.8525% | 2,204 |
| Efficiency ratio | 85.6407% | 1,009 |
| Assets per employee ($millions) | 6.4430% | 1,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 2,723 |
| Loan loss allowance to noncurrent loans | 63.8213% | 4,475 |
| Noncurrent assets plus other real estate owned to assets | 1.5131% | 1,343 |
| Noncurrent loans to loans | 2.0951% | 1,003 |
| Net loans and leases to total assets | 71.2557% | 2,147 |
| Net loans and leases to deposits | 91.0142% | 1,458 |
| Net loans and leases to core deposits | 95.6276% | 1,835 |
| Total domestic deposits to total assets | 78.2908% | 5,092 |
| Equity capital to assets | 14.3145% | 879 |
| Core capital (leverage) ratio | 14.5360% | 694 |
| Tier 1 risk-based capital ratio | 21.4393% | 1,241 |
| Total risk-based capital ratio | 22.6916% | 1,221 |
| Memoranda: | ||
| Average total assets | $377,940,000 | 1,770 |
| Average earning assets | $353,747,500 | 1,762 |
| Average equity | $54,299,000 | 1,424 |
| Average total loans | $270,307,500 | 1,669 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5684% | 4,755 |
| Cost of funding earning assets | 0.6485% | 1,084 |
| Net interest margin | 2.9199% | 5,297 |
| Noninterest income to average assets | 0.1949% | 5,418 |
| Noninterest expense to average assets | 2.6578% | 3,736 |
| Loan and lease loss provision to assets | 0.0305% | 3,761 |
| Net operating income to assets | 0.1527% | 5,674 |
| Return on assets (ROA) | 0.1527% | 5,722 |
| Pretax return on assets | 0.2192% | 5,663 |
| Return on Equity (ROE) | 1.2882% | 5,722 |
| Retained earnings to average equity (ytd only) | 1.2882% | 4,983 |
| Net charge-offs to loans | 0.0580% | 3,056 |
| Credit loss provision to net charge-offs | 77.9310% | 2,987 |
| Earnings coverage of net charge-offs (x) | 6.3724% | 3,238 |
| Efficiency ratio | 91.4110% | 602 |
| Assets per employee ($millions) | 6.4783% | 1,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3538% | 2,650 |
| Loan loss allowance to noncurrent loans | 58.0968% | 4,682 |
| Noncurrent assets plus other real estate owned to assets | 1.6501% | 1,185 |
| Noncurrent loans to loans | 2.3302% | 824 |
| Net loans and leases to total assets | 69.8543% | 2,387 |
| Net loans and leases to deposits | 92.6311% | 1,332 |
| Net loans and leases to core deposits | 97.3528% | 1,727 |
| Total domestic deposits to total assets | 75.4113% | 5,508 |
| Equity capital to assets | 14.4203% | 791 |
| Core capital (leverage) ratio | 14.5878% | 692 |
| Tier 1 risk-based capital ratio | 21.9296% | 1,160 |
| Total risk-based capital ratio | 23.1821% | 1,138 |
| Memoranda: | ||
| Average total assets | $370,008,000 | 1,773 |
| Average earning assets | $343,742,000 | 1,768 |
| Average equity | $43,859,200 | 1,678 |
| Average total loans | $249,794,000 | 1,731 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5589% | 4,845 |
| Cost of funding earning assets | 0.6587% | 1,045 |
| Net interest margin | 2.9001% | 5,412 |
| Noninterest income to average assets | 0.1190% | 5,880 |
| Noninterest expense to average assets | 2.5109% | 4,162 |
| Loan and lease loss provision to assets | 0.0083% | 4,100 |
| Net operating income to assets | 0.1968% | 5,685 |
| Return on assets (ROA) | 0.1968% | 5,744 |
| Pretax return on assets | 0.2898% | 5,655 |
| Return on Equity (ROE) | 1.7571% | 5,723 |
| Retained earnings to average equity (ytd only) | 1.7571% | 4,997 |
| Net charge-offs to loans | 0.0412% | 3,060 |
| Credit loss provision to net charge-offs | 30.2632% | 3,268 |
| Earnings coverage of net charge-offs (x) | 10.8422% | 2,557 |
| Efficiency ratio | 89.3883% | 738 |
| Assets per employee ($millions) | 6.8677% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3990% | 2,607 |
| Loan loss allowance to noncurrent loans | 53.8253% | 4,853 |
| Noncurrent assets plus other real estate owned to assets | 1.9409% | 1,069 |
| Noncurrent loans to loans | 2.5991% | 763 |
| Net loans and leases to total assets | 68.0559% | 2,668 |
| Net loans and leases to deposits | 90.5613% | 1,576 |
| Net loans and leases to core deposits | 93.2484% | 2,152 |
| Total domestic deposits to total assets | 75.1490% | 5,609 |
| Equity capital to assets | 14.6014% | 838 |
| Core capital (leverage) ratio | 14.3406% | 774 |
| Tier 1 risk-based capital ratio | 22.8352% | 1,077 |
| Total risk-based capital ratio | 24.0884% | 1,057 |
| Memoranda: | ||
| Average total assets | $368,574,500 | 1,789 |
| Average earning assets | $341,861,000 | 1,790 |
| Average equity | $41,278,250 | 1,766 |
| Average total loans | $245,724,000 | 1,762 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4958% | 4,992 |
| Cost of funding earning assets | 0.6667% | 1,015 |
| Net interest margin | 2.8291% | 5,556 |
| Noninterest income to average assets | 0.1805% | 5,610 |
| Noninterest expense to average assets | 2.6269% | 3,827 |
| Loan and lease loss provision to assets | -0.0092% | 5,960 |
| Net operating income to assets | 0.1354% | 5,834 |
| Return on assets (ROA) | 0.1354% | 5,872 |
| Pretax return on assets | 0.1887% | 5,832 |
| Return on Equity (ROE) | 1.3464% | 5,825 |
| Retained earnings to average equity (ytd only) | 1.3464% | 5,008 |
| Net charge-offs to loans | 0.0281% | 3,101 |
| Credit loss provision to net charge-offs | -50.0000% | 4,814 |
| Earnings coverage of net charge-offs (x) | 9.7059% | 2,426 |
| Efficiency ratio | 93.6059% | 543 |
| Assets per employee ($millions) | 7.4294% | 684 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4405% | 2,563 |
| Loan loss allowance to noncurrent loans | 51.2516% | 4,954 |
| Noncurrent assets plus other real estate owned to assets | 1.7510% | 1,341 |
| Noncurrent loans to loans | 2.8107% | 737 |
| Net loans and leases to total assets | 58.9231% | 3,992 |
| Net loans and leases to deposits | 71.0023% | 3,824 |
| Net loans and leases to core deposits | 72.6951% | 4,068 |
| Total domestic deposits to total assets | 82.9876% | 3,965 |
| Equity capital to assets | 8.9231% | 5,313 |
| Core capital (leverage) ratio | 10.6949% | 2,738 |
| Tier 1 risk-based capital ratio | 16.4677% | 2,624 |
| Total risk-based capital ratio | 17.7222% | 2,578 |
| Memoranda: | ||
| Average total assets | $367,814,670 | 1,802 |
| Average earning assets | $341,381,670 | 1,796 |
| Average equity | $36,987,670 | 1,951 |
| Average total loans | $242,309,000 | 1,795 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6982% | 4,374 |
| Cost of funding earning assets | 0.7233% | 760 |
| Net interest margin | 2.9749% | 5,283 |
| Noninterest income to average assets | 0.1897% | 5,567 |
| Noninterest expense to average assets | 2.5546% | 4,085 |
| Loan and lease loss provision to assets | -0.0605% | 6,177 |
| Net operating income to assets | 0.2828% | 5,471 |
| Return on assets (ROA) | 0.2828% | 5,567 |
| Pretax return on assets | 0.4434% | 5,340 |
| Return on Equity (ROE) | 2.6328% | 5,498 |
| Retained earnings to average equity (ytd only) | 2.6328% | 4,367 |
| Net charge-offs to loans | 0.0084% | 3,047 |
| Credit loss provision to net charge-offs | -1,040.0000% | 4,991 |
| Earnings coverage of net charge-offs (x) | 65.8000% | 675 |
| Efficiency ratio | 86.9651% | 1,099 |
| Assets per employee ($millions) | 6.4273% | 1,120 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4721% | 2,569 |
| Loan loss allowance to noncurrent loans | 47.4466% | 5,089 |
| Noncurrent assets plus other real estate owned to assets | 2.4715% | 871 |
| Noncurrent loans to loans | 3.1026% | 674 |
| Net loans and leases to total assets | 68.9811% | 2,290 |
| Net loans and leases to deposits | 88.8924% | 1,521 |
| Net loans and leases to core deposits | 92.0671% | 1,941 |
| Total domestic deposits to total assets | 77.6006% | 5,516 |
| Equity capital to assets | 10.6793% | 3,337 |
| Core capital (leverage) ratio | 10.9444% | 2,465 |
| Tier 1 risk-based capital ratio | 17.7975% | 2,202 |
| Total risk-based capital ratio | 19.0533% | 2,156 |
| Memoranda: | ||
| Average total assets | $343,700,000 | 1,937 |
| Average earning assets | $317,454,000 | 1,945 |
| Average equity | $36,919,500 | 1,969 |
| Average total loans | $239,099,000 | 1,821 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7748% | 4,568 |
| Cost of funding earning assets | 0.7650% | 784 |
| Net interest margin | 3.0098% | 5,429 |
| Noninterest income to average assets | 0.2042% | 5,638 |
| Noninterest expense to average assets | 2.5001% | 4,549 |
| Loan and lease loss provision to assets | 0.1160% | 2,236 |
| Net operating income to assets | 0.2686% | 5,600 |
| Return on assets (ROA) | 0.2686% | 5,671 |
| Pretax return on assets | 0.3614% | 5,583 |
| Return on Equity (ROE) | 2.5435% | 5,620 |
| Retained earnings to average equity (ytd only) | 2.5435% | 4,427 |
| Net charge-offs to loans | 0.1468% | 2,569 |
| Credit loss provision to net charge-offs | 115.9420% | 2,061 |
| Earnings coverage of net charge-offs (x) | 4.7710% | 3,568 |
| Efficiency ratio | 83.9649% | 1,414 |
| Assets per employee ($millions) | 6.5448% | 1,030 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5450% | 2,279 |
| Loan loss allowance to noncurrent loans | 59.7599% | 4,806 |
| Noncurrent assets plus other real estate owned to assets | 2.1638% | 1,133 |
| Noncurrent loans to loans | 2.5854% | 968 |
| Net loans and leases to total assets | 68.0441% | 2,550 |
| Net loans and leases to deposits | 85.7900% | 2,013 |
| Net loans and leases to core deposits | 88.8901% | 2,397 |
| Total domestic deposits to total assets | 79.3147% | 5,183 |
| Equity capital to assets | 10.8055% | 3,110 |
| Core capital (leverage) ratio | 10.6394% | 2,790 |
| Tier 1 risk-based capital ratio | 17.6771% | 2,249 |
| Total risk-based capital ratio | 18.9351% | 2,213 |
| Memoranda: | ||
| Average total assets | $344,752,800 | 1,888 |
| Average earning assets | $317,659,000 | 1,887 |
| Average equity | $36,406,600 | 1,930 |
| Average total loans | $235,047,400 | 1,791 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7697% | 4,656 |
| Cost of funding earning assets | 0.7653% | 822 |
| Net interest margin | 3.0043% | 5,496 |
| Noninterest income to average assets | 0.2097% | 5,677 |
| Noninterest expense to average assets | 2.3435% | 4,982 |
| Loan and lease loss provision to assets | 0.1542% | 1,611 |
| Net operating income to assets | 0.3088% | 5,554 |
| Return on assets (ROA) | 0.3088% | 5,629 |
| Pretax return on assets | 0.4800% | 5,383 |
| Return on Equity (ROE) | 2.9409% | 5,555 |
| Retained earnings to average equity (ytd only) | 2.9409% | 4,502 |
| Net charge-offs to loans | 0.2536% | 1,523 |
| Credit loss provision to net charge-offs | 89.4855% | 2,443 |
| Earnings coverage of net charge-offs (x) | 3.6801% | 3,614 |
| Efficiency ratio | 78.7027% | 2,088 |
| Assets per employee ($millions) | 6.3988% | 1,084 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4942% | 2,746 |
| Loan loss allowance to noncurrent loans | 50.9742% | 5,118 |
| Noncurrent assets plus other real estate owned to assets | 2.3046% | 1,182 |
| Noncurrent loans to loans | 2.9312% | 918 |
| Net loans and leases to total assets | 67.3898% | 2,632 |
| Net loans and leases to deposits | 85.2452% | 2,000 |
| Net loans and leases to core deposits | 88.2979% | 2,393 |
| Total domestic deposits to total assets | 79.0541% | 5,315 |
| Equity capital to assets | 10.6412% | 3,379 |
| Core capital (leverage) ratio | 10.4670% | 3,081 |
| Tier 1 risk-based capital ratio | 17.4512% | 2,414 |
| Total risk-based capital ratio | 18.7071% | 2,371 |
| Memoranda: | ||
| Average total assets | $345,859,000 | 1,893 |
| Average earning assets | $318,641,750 | 1,887 |
| Average equity | $36,314,750 | 1,944 |
| Average total loans | $235,007,500 | 1,800 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7822% | 4,588 |
| Cost of funding earning assets | 0.7642% | 858 |
| Net interest margin | 3.0179% | 5,464 |
| Noninterest income to average assets | 0.2197% | 5,635 |
| Noninterest expense to average assets | 2.3430% | 5,048 |
| Loan and lease loss provision to assets | 0.1734% | 1,410 |
| Net operating income to assets | 0.3075% | 5,541 |
| Return on assets (ROA) | 0.3075% | 5,611 |
| Pretax return on assets | 0.4815% | 5,328 |
| Return on Equity (ROE) | 2.9422% | 5,549 |
| Retained earnings to average equity (ytd only) | 2.9422% | 4,333 |
| Net charge-offs to loans | 0.1646% | 2,075 |
| Credit loss provision to net charge-offs | 155.4404% | 1,422 |
| Earnings coverage of net charge-offs (x) | 5.8705% | 2,857 |
| Efficiency ratio | 78.1527% | 2,269 |
| Assets per employee ($millions) | 6.5149% | 1,000 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5745% | 2,566 |
| Loan loss allowance to noncurrent loans | 44.3402% | 5,378 |
| Noncurrent assets plus other real estate owned to assets | 2.5263% | 1,114 |
| Noncurrent loans to loans | 3.5509% | 742 |
| Net loans and leases to total assets | 66.7334% | 2,636 |
| Net loans and leases to deposits | 86.2155% | 1,801 |
| Net loans and leases to core deposits | 89.2493% | 2,190 |
| Total domestic deposits to total assets | 77.4030% | 5,738 |
| Equity capital to assets | 10.5604% | 3,368 |
| Core capital (leverage) ratio | 10.3861% | 3,096 |
| Tier 1 risk-based capital ratio | 17.4493% | 2,438 |
| Total risk-based capital ratio | 18.7056% | 2,406 |
| Memoranda: | ||
| Average total assets | $345,967,670 | 1,888 |
| Average earning assets | $318,495,670 | 1,888 |
| Average equity | $36,163,330 | 1,943 |
| Average total loans | $234,548,000 | 1,794 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8128% | 4,433 |
| Cost of funding earning assets | 0.7631% | 912 |
| Net interest margin | 3.0497% | 5,385 |
| Noninterest income to average assets | 0.2137% | 5,648 |
| Noninterest expense to average assets | 2.3852% | 4,972 |
| Loan and lease loss provision to assets | 0.1733% | 1,395 |
| Net operating income to assets | 0.3003% | 5,494 |
| Return on assets (ROA) | 0.3003% | 5,536 |
| Pretax return on assets | 0.4620% | 5,280 |
| Return on Equity (ROE) | 2.8878% | 5,497 |
| Retained earnings to average equity (ytd only) | 2.8878% | 4,365 |
| Net charge-offs to loans | 0.0034% | 3,605 |
| Credit loss provision to net charge-offs | 7,500.0000% | 34 |
| Earnings coverage of net charge-offs (x) | 275.0000% | 172 |
| Efficiency ratio | 78.9675% | 2,345 |
| Assets per employee ($millions) | 6.2803% | 1,129 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5863% | 2,762 |
| Loan loss allowance to noncurrent loans | 40.8215% | 5,544 |
| Noncurrent assets plus other real estate owned to assets | 2.9851% | 959 |
| Noncurrent loans to loans | 3.8859% | 702 |
| Net loans and leases to total assets | 66.9408% | 2,406 |
| Net loans and leases to deposits | 83.8926% | 1,834 |
| Net loans and leases to core deposits | 86.3281% | 2,282 |
| Total domestic deposits to total assets | 79.7935% | 5,524 |
| Equity capital to assets | 10.4686% | 3,274 |
| Core capital (leverage) ratio | 10.2943% | 3,178 |
| Tier 1 risk-based capital ratio | 17.0693% | 2,660 |
| Total risk-based capital ratio | 18.3261% | 2,606 |
| Memoranda: | ||
| Average total assets | $346,307,000 | 1,894 |
| Average earning assets | $318,719,500 | 1,895 |
| Average equity | $36,013,000 | 1,940 |
| Average total loans | $234,767,500 | 1,792 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6961% | 5,145 |
| Cost of funding earning assets | 0.8262% | 1,059 |
| Net interest margin | 2.8699% | 5,855 |
| Noninterest income to average assets | 0.2554% | 5,518 |
| Noninterest expense to average assets | 2.3339% | 5,275 |
| Loan and lease loss provision to assets | 0.1790% | 2,065 |
| Net operating income to assets | 0.2603% | 5,657 |
| Return on assets (ROA) | 0.2603% | 5,735 |
| Pretax return on assets | 0.3794% | 5,539 |
| Return on Equity (ROE) | 2.5778% | 5,654 |
| Retained earnings to average equity (ytd only) | 2.5778% | 4,418 |
| Net charge-offs to loans | 1.0137% | 570 |
| Credit loss provision to net charge-offs | 26.4159% | 4,325 |
| Earnings coverage of net charge-offs (x) | 0.8242% | 4,811 |
| Efficiency ratio | 80.6950% | 2,057 |
| Assets per employee ($millions) | 6.4296% | 1,019 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5257% | 3,065 |
| Loan loss allowance to noncurrent loans | 43.8066% | 5,502 |
| Noncurrent assets plus other real estate owned to assets | 2.6892% | 1,249 |
| Noncurrent loans to loans | 3.4827% | 907 |
| Net loans and leases to total assets | 66.5340% | 2,608 |
| Net loans and leases to deposits | 84.2605% | 1,898 |
| Net loans and leases to core deposits | 86.7250% | 2,379 |
| Total domestic deposits to total assets | 78.9623% | 5,657 |
| Equity capital to assets | 10.3301% | 3,363 |
| Core capital (leverage) ratio | 10.1561% | 3,352 |
| Tier 1 risk-based capital ratio | 16.9295% | 2,640 |
| Total risk-based capital ratio | 18.1855% | 2,597 |
| Memoranda: | ||
| Average total assets | $349,250,000 | 1,853 |
| Average earning assets | $320,878,800 | 1,853 |
| Average equity | $35,262,600 | 1,957 |
| Average total loans | $233,395,800 | 1,767 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6731% | 5,242 |
| Cost of funding earning assets | 0.8342% | 1,129 |
| Net interest margin | 2.8389% | 5,945 |
| Noninterest income to average assets | 0.2703% | 5,516 |
| Noninterest expense to average assets | 2.3512% | 5,176 |
| Loan and lease loss provision to assets | 0.1811% | 2,008 |
| Net operating income to assets | 0.2432% | 5,800 |
| Return on assets (ROA) | 0.2432% | 5,886 |
| Pretax return on assets | 0.3469% | 5,754 |
| Return on Equity (ROE) | 2.4227% | 5,816 |
| Retained earnings to average equity (ytd only) | 2.4227% | 4,878 |
| Net charge-offs to loans | 1.0382% | 546 |
| Credit loss provision to net charge-offs | 26.1708% | 3,965 |
| Earnings coverage of net charge-offs (x) | 0.7631% | 4,597 |
| Efficiency ratio | 81.6629% | 1,871 |
| Assets per employee ($millions) | 6.5467% | 910 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7317% | 2,513 |
| Loan loss allowance to noncurrent loans | 39.2699% | 5,657 |
| Noncurrent assets plus other real estate owned to assets | 2.9939% | 1,237 |
| Noncurrent loans to loans | 4.4097% | 750 |
| Net loans and leases to total assets | 65.0926% | 2,784 |
| Net loans and leases to deposits | 81.3458% | 2,224 |
| Net loans and leases to core deposits | 83.8612% | 2,669 |
| Total domestic deposits to total assets | 80.0196% | 5,503 |
| Equity capital to assets | 10.2494% | 3,577 |
| Core capital (leverage) ratio | 10.1653% | 3,452 |
| Tier 1 risk-based capital ratio | 16.9346% | 2,738 |
| Total risk-based capital ratio | 18.1941% | 2,695 |
| Memoranda: | ||
| Average total assets | $349,762,500 | 1,865 |
| Average earning assets | $321,426,500 | 1,859 |
| Average equity | $35,111,750 | 1,980 |
| Average total loans | $233,098,500 | 1,764 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6566% | 5,270 |
| Cost of funding earning assets | 0.8420% | 1,190 |
| Net interest margin | 2.8146% | 5,976 |
| Noninterest income to average assets | 0.2315% | 5,788 |
| Noninterest expense to average assets | 2.3542% | 5,194 |
| Loan and lease loss provision to assets | 0.1853% | 2,037 |
| Net operating income to assets | 0.2064% | 5,871 |
| Return on assets (ROA) | 0.2064% | 6,005 |
| Pretax return on assets | 0.2772% | 5,933 |
| Return on Equity (ROE) | 2.0709% | 5,932 |
| Retained earnings to average equity (ytd only) | 2.0709% | 4,960 |
| Net charge-offs to loans | 1.1743% | 496 |
| Credit loss provision to net charge-offs | 23.6364% | 3,677 |
| Earnings coverage of net charge-offs (x) | 0.5898% | 4,337 |
| Efficiency ratio | 83.5797% | 1,684 |
| Assets per employee ($millions) | 5.4309% | 1,655 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8728% | 2,187 |
| Loan loss allowance to noncurrent loans | 30.2966% | 6,005 |
| Noncurrent assets plus other real estate owned to assets | 4.1427% | 824 |
| Noncurrent loans to loans | 6.1816% | 438 |
| Net loans and leases to total assets | 63.3782% | 3,030 |
| Net loans and leases to deposits | 78.7596% | 2,488 |
| Net loans and leases to core deposits | 81.4025% | 2,869 |
| Total domestic deposits to total assets | 80.4704% | 5,488 |
| Equity capital to assets | 9.9876% | 3,931 |
| Core capital (leverage) ratio | 9.9301% | 3,622 |
| Tier 1 risk-based capital ratio | 16.8705% | 2,761 |
| Total risk-based capital ratio | 18.1325% | 2,730 |
| Memoranda: | ||
| Average total assets | $350,691,670 | 1,863 |
| Average earning assets | $322,105,670 | 1,856 |
| Average equity | $34,961,330 | 1,987 |
| Average total loans | $234,186,330 | 1,759 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7281% | 5,062 |
| Cost of funding earning assets | 0.8415% | 1,300 |
| Net interest margin | 2.8866% | 5,837 |
| Noninterest income to average assets | 0.1854% | 6,146 |
| Noninterest expense to average assets | 2.4375% | 4,988 |
| Loan and lease loss provision to assets | 0.2003% | 1,856 |
| Net operating income to assets | 0.1270% | 6,096 |
| Return on assets (ROA) | 0.1270% | 6,187 |
| Pretax return on assets | 0.1934% | 6,094 |
| Return on Equity (ROE) | 1.2754% | 6,154 |
| Retained earnings to average equity (ytd only) | 1.2754% | 5,342 |
| Net charge-offs to loans | 1.6049% | 326 |
| Credit loss provision to net charge-offs | 18.3824% | 3,059 |
| Earnings coverage of net charge-offs (x) | 0.3613% | 3,693 |
| Efficiency ratio | 86.0954% | 1,508 |
| Assets per employee ($millions) | 6.4370% | 1,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9330% | 2,214 |
| Loan loss allowance to noncurrent loans | 33.4881% | 5,893 |
| Noncurrent assets plus other real estate owned to assets | 4.2897% | 883 |
| Noncurrent loans to loans | 5.7721% | 594 |
| Net loans and leases to total assets | 65.1017% | 2,527 |
| Net loans and leases to deposits | 80.7687% | 1,975 |
| Net loans and leases to core deposits | 84.1284% | 2,308 |
| Total domestic deposits to total assets | 80.6026% | 5,600 |
| Equity capital to assets | 9.8594% | 4,337 |
| Core capital (leverage) ratio | 9.7041% | 3,785 |
| Tier 1 risk-based capital ratio | 16.2630% | 3,124 |
| Total risk-based capital ratio | 17.5254% | 3,072 |
| Memoranda: | ||
| Average total assets | $349,533,500 | 1,894 |
| Average earning assets | $320,378,500 | 1,894 |
| Average equity | $34,813,500 | 2,025 |
| Average total loans | $237,279,500 | 1,750 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9942% | 5,328 |
| Cost of funding earning assets | 0.9589% | 1,592 |
| Net interest margin | 3.0354% | 5,964 |
| Noninterest income to average assets | 0.1959% | 6,015 |
| Noninterest expense to average assets | 2.2868% | 5,724 |
| Loan and lease loss provision to assets | 1.4233% | 232 |
| Net operating income to assets | -0.3955% | 6,511 |
| Return on assets (ROA) | -0.3955% | 6,559 |
| Pretax return on assets | -0.7197% | 6,657 |
| Return on Equity (ROE) | -3.9264% | 6,547 |
| Retained earnings to average equity (ytd only) | -3.9264% | 6,354 |
| Net charge-offs to loans | 0.9386% | 1,183 |
| Credit loss provision to net charge-offs | 215.9756% | 1,174 |
| Earnings coverage of net charge-offs (x) | 1.0677% | 4,929 |
| Efficiency ratio | 76.4717% | 2,667 |
| Assets per employee ($millions) | 6.1613% | 1,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2210% | 1,524 |
| Loan loss allowance to noncurrent loans | 33.7050% | 5,908 |
| Noncurrent assets plus other real estate owned to assets | 4.8019% | 827 |
| Noncurrent loans to loans | 6.5895% | 498 |
| Net loans and leases to total assets | 67.8816% | 2,202 |
| Net loans and leases to deposits | 81.7460% | 2,032 |
| Net loans and leases to core deposits | 85.0057% | 2,428 |
| Total domestic deposits to total assets | 83.0397% | 4,707 |
| Equity capital to assets | 10.0632% | 4,088 |
| Core capital (leverage) ratio | 9.9049% | 3,535 |
| Tier 1 risk-based capital ratio | 15.9464% | 3,193 |
| Total risk-based capital ratio | 17.2123% | 3,142 |
| Memoranda: | ||
| Average total assets | $347,642,000 | 1,859 |
| Average earning assets | $320,061,800 | 1,854 |
| Average equity | $35,019,200 | 1,973 |
| Average total loans | $244,091,800 | 1,691 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0619% | 5,321 |
| Cost of funding earning assets | 0.9771% | 1,696 |
| Net interest margin | 3.0848% | 5,972 |
| Noninterest income to average assets | 0.1929% | 6,143 |
| Noninterest expense to average assets | 2.2456% | 5,830 |
| Loan and lease loss provision to assets | 0.7560% | 651 |
| Net operating income to assets | 0.0701% | 6,176 |
| Return on assets (ROA) | 0.0701% | 6,315 |
| Pretax return on assets | 0.0352% | 6,357 |
| Return on Equity (ROE) | 0.6953% | 6,306 |
| Retained earnings to average equity (ytd only) | 0.6953% | 5,875 |
| Net charge-offs to loans | 0.9699% | 1,098 |
| Credit loss provision to net charge-offs | 110.7063% | 2,648 |
| Earnings coverage of net charge-offs (x) | 1.1586% | 4,722 |
| Efficiency ratio | 73.9443% | 2,991 |
| Assets per employee ($millions) | 6.5394% | 936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1789% | 5,381 |
| Loan loss allowance to noncurrent loans | 17.6478% | 6,549 |
| Noncurrent assets plus other real estate owned to assets | 4.8195% | 936 |
| Noncurrent loans to loans | 6.6800% | 562 |
| Net loans and leases to total assets | 69.0277% | 2,106 |
| Net loans and leases to deposits | 83.1826% | 1,977 |
| Net loans and leases to core deposits | 86.4661% | 2,401 |
| Total domestic deposits to total assets | 82.9834% | 4,644 |
| Equity capital to assets | 10.1584% | 4,262 |
| Core capital (leverage) ratio | 10.0020% | 3,539 |
| Tier 1 risk-based capital ratio | 16.0284% | 3,248 |
| Total risk-based capital ratio | 17.2795% | 3,213 |
| Memoranda: | ||
| Average total assets | $348,295,000 | 1,881 |
| Average earning assets | $321,090,250 | 1,867 |
| Average equity | $35,093,750 | 1,987 |
| Average total loans | $245,231,750 | 1,693 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1276% | 5,209 |
| Cost of funding earning assets | 0.9945% | 1,794 |
| Net interest margin | 3.1332% | 5,908 |
| Noninterest income to average assets | 0.1978% | 6,140 |
| Noninterest expense to average assets | 2.2456% | 5,891 |
| Loan and lease loss provision to assets | 0.7046% | 774 |
| Net operating income to assets | 0.1485% | 6,045 |
| Return on assets (ROA) | 0.1485% | 6,215 |
| Pretax return on assets | 0.1376% | 6,242 |
| Return on Equity (ROE) | 1.4776% | 6,197 |
| Retained earnings to average equity (ytd only) | 1.4776% | 5,460 |
| Net charge-offs to loans | 0.6716% | 1,645 |
| Credit loss provision to net charge-offs | 148.6094% | 1,865 |
| Earnings coverage of net charge-offs (x) | 1.7763% | 4,093 |
| Efficiency ratio | 72.7256% | 3,295 |
| Assets per employee ($millions) | 6.5607% | 925 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2561% | 5,100 |
| Loan loss allowance to noncurrent loans | 18.2930% | 6,567 |
| Noncurrent assets plus other real estate owned to assets | 4.8186% | 1,006 |
| Noncurrent loans to loans | 6.8663% | 578 |
| Net loans and leases to total assets | 69.2952% | 2,055 |
| Net loans and leases to deposits | 83.4477% | 1,921 |
| Net loans and leases to core deposits | 86.7171% | 2,334 |
| Total domestic deposits to total assets | 83.0403% | 4,740 |
| Equity capital to assets | 10.1266% | 4,154 |
| Core capital (leverage) ratio | 9.9722% | 3,458 |
| Tier 1 risk-based capital ratio | 15.6383% | 3,368 |
| Total risk-based capital ratio | 16.8903% | 3,328 |
| Memoranda: | ||
| Average total assets | $348,863,330 | 1,878 |
| Average earning assets | $321,783,670 | 1,861 |
| Average equity | $35,055,670 | 1,972 |
| Average total loans | $246,276,670 | 1,679 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1770% | 5,190 |
| Cost of funding earning assets | 1.0102% | 1,918 |
| Net interest margin | 3.1668% | 5,856 |
| Noninterest income to average assets | 0.1832% | 6,280 |
| Noninterest expense to average assets | 2.1921% | 6,058 |
| Loan and lease loss provision to assets | 0.5392% | 1,097 |
| Net operating income to assets | 0.2358% | 5,864 |
| Return on assets (ROA) | 0.2358% | 6,015 |
| Pretax return on assets | 0.3766% | 5,794 |
| Return on Equity (ROE) | 2.3558% | 5,961 |
| Retained earnings to average equity (ytd only) | 2.3558% | 5,083 |
| Net charge-offs to loans | 0.4204% | 2,042 |
| Credit loss provision to net charge-offs | 181.1538% | 1,431 |
| Earnings coverage of net charge-offs (x) | 3.0769% | 2,973 |
| Efficiency ratio | 70.5341% | 3,712 |
| Assets per employee ($millions) | 6.6956% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1635% | 5,660 |
| Loan loss allowance to noncurrent loans | 17.2220% | 6,635 |
| Noncurrent assets plus other real estate owned to assets | 4.8936% | 1,078 |
| Noncurrent loans to loans | 6.7557% | 690 |
| Net loans and leases to total assets | 70.1222% | 1,733 |
| Net loans and leases to deposits | 84.3768% | 1,618 |
| Net loans and leases to core deposits | 87.4740% | 2,120 |
| Total domestic deposits to total assets | 83.1061% | 4,882 |
| Equity capital to assets | 10.0852% | 4,018 |
| Core capital (leverage) ratio | 9.9250% | 3,460 |
| Tier 1 risk-based capital ratio | 15.8329% | 3,261 |
| Total risk-based capital ratio | 17.0838% | 3,230 |
| Memoranda: | ||
| Average total assets | $349,436,000 | 1,890 |
| Average earning assets | $322,720,000 | 1,868 |
| Average equity | $34,977,500 | 1,978 |
| Average total loans | $247,406,500 | 1,678 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4909% | 5,111 |
| Cost of funding earning assets | 1.1965% | 2,051 |
| Net interest margin | 3.2944% | 5,821 |
| Noninterest income to average assets | 0.1863% | 6,165 |
| Noninterest expense to average assets | 2.3395% | 5,944 |
| Loan and lease loss provision to assets | 0.5267% | 1,986 |
| Net operating income to assets | 0.2082% | 5,570 |
| Return on assets (ROA) | 0.2082% | 5,699 |
| Pretax return on assets | 0.3623% | 5,398 |
| Return on Equity (ROE) | 2.1267% | 5,611 |
| Retained earnings to average equity (ytd only) | 2.1267% | 4,703 |
| Net charge-offs to loans | 0.9108% | 1,905 |
| Credit loss provision to net charge-offs | 79.2882% | 4,490 |
| Earnings coverage of net charge-offs (x) | 1.3383% | 4,769 |
| Efficiency ratio | 72.4634% | 3,488 |
| Assets per employee ($millions) | 6.6170% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0747% | 5,906 |
| Loan loss allowance to noncurrent loans | 16.9284% | 6,701 |
| Noncurrent assets plus other real estate owned to assets | 4.4856% | 1,226 |
| Noncurrent loans to loans | 6.3484% | 761 |
| Net loans and leases to total assets | 69.8973% | 2,052 |
| Net loans and leases to deposits | 83.9518% | 1,930 |
| Net loans and leases to core deposits | 87.5142% | 2,426 |
| Total domestic deposits to total assets | 83.2589% | 4,637 |
| Equity capital to assets | 9.9347% | 4,247 |
| Core capital (leverage) ratio | 9.7862% | 3,628 |
| Tier 1 risk-based capital ratio | 15.6232% | 3,252 |
| Total risk-based capital ratio | 16.8499% | 3,224 |
| Memoranda: | ||
| Average total assets | $351,052,200 | 1,848 |
| Average earning assets | $324,187,200 | 1,822 |
| Average equity | $34,372,000 | 1,948 |
| Average total loans | $256,032,000 | 1,644 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5250% | 5,181 |
| Cost of funding earning assets | 1.2194% | 2,197 |
| Net interest margin | 3.3056% | 5,844 |
| Noninterest income to average assets | 0.1830% | 6,287 |
| Noninterest expense to average assets | 2.3591% | 5,884 |
| Loan and lease loss provision to assets | 0.5597% | 1,756 |
| Net operating income to assets | 0.1861% | 5,739 |
| Return on assets (ROA) | 0.1861% | 5,865 |
| Pretax return on assets | 0.3182% | 5,666 |
| Return on Equity (ROE) | 1.9072% | 5,808 |
| Retained earnings to average equity (ytd only) | 1.9072% | 5,187 |
| Net charge-offs to loans | 0.9655% | 1,666 |
| Credit loss provision to net charge-offs | 78.8657% | 4,177 |
| Earnings coverage of net charge-offs (x) | 1.2370% | 4,689 |
| Efficiency ratio | 72.8798% | 3,385 |
| Assets per employee ($millions) | 6.6863% | 862 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1013% | 5,885 |
| Loan loss allowance to noncurrent loans | 15.9524% | 6,791 |
| Noncurrent assets plus other real estate owned to assets | 5.1093% | 1,120 |
| Noncurrent loans to loans | 6.9039% | 727 |
| Net loans and leases to total assets | 69.7109% | 2,139 |
| Net loans and leases to deposits | 84.3008% | 1,952 |
| Net loans and leases to core deposits | 88.3768% | 2,441 |
| Total domestic deposits to total assets | 82.6930% | 4,799 |
| Equity capital to assets | 9.7451% | 4,708 |
| Core capital (leverage) ratio | 9.6829% | 3,873 |
| Tier 1 risk-based capital ratio | 15.2595% | 3,514 |
| Total risk-based capital ratio | 16.5083% | 3,478 |
| Memoranda: | ||
| Average total assets | $351,140,250 | 1,853 |
| Average earning assets | $324,408,500 | 1,832 |
| Average equity | $34,254,750 | 1,959 |
| Average total loans | $258,091,750 | 1,649 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5830% | 5,039 |
| Cost of funding earning assets | 1.2539% | 2,229 |
| Net interest margin | 3.3292% | 5,773 |
| Noninterest income to average assets | 0.1931% | 6,286 |
| Noninterest expense to average assets | 2.4007% | 5,843 |
| Loan and lease loss provision to assets | 0.4919% | 2,001 |
| Net operating income to assets | 0.2097% | 5,708 |
| Return on assets (ROA) | 0.2097% | 5,824 |
| Pretax return on assets | 0.3708% | 5,480 |
| Return on Equity (ROE) | 2.1486% | 5,742 |
| Retained earnings to average equity (ytd only) | 2.1486% | 4,916 |
| Net charge-offs to loans | 1.4077% | 1,075 |
| Credit loss provision to net charge-offs | 46.8954% | 4,657 |
| Earnings coverage of net charge-offs (x) | 0.8224% | 4,688 |
| Efficiency ratio | 73.5644% | 3,449 |
| Assets per employee ($millions) | 6.7253% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8488% | 6,775 |
| Loan loss allowance to noncurrent loans | 13.2596% | 6,896 |
| Noncurrent assets plus other real estate owned to assets | 4.9280% | 1,246 |
| Noncurrent loans to loans | 6.4012% | 885 |
| Net loans and leases to total assets | 72.5190% | 1,682 |
| Net loans and leases to deposits | 86.9969% | 1,647 |
| Net loans and leases to core deposits | 91.0818% | 2,244 |
| Total domestic deposits to total assets | 83.3581% | 4,608 |
| Equity capital to assets | 9.8206% | 4,368 |
| Core capital (leverage) ratio | 9.6782% | 3,688 |
| Tier 1 risk-based capital ratio | 15.1557% | 3,421 |
| Total risk-based capital ratio | 16.1468% | 3,526 |
| Memoranda: | ||
| Average total assets | $350,063,000 | 1,873 |
| Average earning assets | $322,845,000 | 1,845 |
| Average equity | $34,161,670 | 1,951 |
| Average total loans | $260,860,000 | 1,650 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6603% | 4,698 |
| Cost of funding earning assets | 1.2814% | 2,297 |
| Net interest margin | 3.3789% | 5,508 |
| Noninterest income to average assets | 0.1930% | 6,341 |
| Noninterest expense to average assets | 2.4589% | 5,711 |
| Loan and lease loss provision to assets | 0.4568% | 1,927 |
| Net operating income to assets | 0.2501% | 5,616 |
| Return on assets (ROA) | 0.2501% | 5,683 |
| Pretax return on assets | 0.4032% | 5,335 |
| Return on Equity (ROE) | 2.5711% | 5,573 |
| Retained earnings to average equity (ytd only) | 2.5711% | 4,621 |
| Net charge-offs to loans | 0.4267% | 2,415 |
| Credit loss provision to net charge-offs | 142.3488% | 1,982 |
| Earnings coverage of net charge-offs (x) | 2.6797% | 3,004 |
| Efficiency ratio | 74.0881% | 3,496 |
| Assets per employee ($millions) | 6.4754% | 939 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2533% | 5,368 |
| Loan loss allowance to noncurrent loans | 17.9563% | 6,837 |
| Noncurrent assets plus other real estate owned to assets | 5.3055% | 1,161 |
| Noncurrent loans to loans | 6.9797% | 796 |
| Net loans and leases to total assets | 73.5677% | 1,409 |
| Net loans and leases to deposits | 88.1689% | 1,445 |
| Net loans and leases to core deposits | 92.2518% | 2,097 |
| Total domestic deposits to total assets | 83.4394% | 4,725 |
| Equity capital to assets | 9.7843% | 4,052 |
| Core capital (leverage) ratio | 9.6419% | 3,607 |
| Tier 1 risk-based capital ratio | 14.6765% | 3,627 |
| Total risk-based capital ratio | 15.9286% | 3,584 |
| Memoranda: | ||
| Average total assets | $350,237,500 | 1,886 |
| Average earning assets | $324,011,000 | 1,853 |
| Average equity | $34,070,500 | 1,943 |
| Average total loans | $263,400,000 | 1,654 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8277% | 5,321 |
| Cost of funding earning assets | 1.5596% | 2,300 |
| Net interest margin | 3.2681% | 6,077 |
| Noninterest income to average assets | 0.2168% | 6,258 |
| Noninterest expense to average assets | 2.4286% | 6,017 |
| Loan and lease loss provision to assets | 0.4673% | 3,333 |
| Net operating income to assets | 0.2143% | 5,236 |
| Return on assets (ROA) | 0.2143% | 5,395 |
| Pretax return on assets | 0.3457% | 5,097 |
| Return on Equity (ROE) | 2.2978% | 5,264 |
| Retained earnings to average equity (ytd only) | 2.2978% | 4,274 |
| Net charge-offs to loans | 0.3728% | 4,172 |
| Credit loss provision to net charge-offs | 165.8416% | 2,064 |
| Earnings coverage of net charge-offs (x) | 2.8851% | 3,627 |
| Efficiency ratio | 74.9204% | 3,221 |
| Assets per employee ($millions) | 6.4963% | 948 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1814% | 5,602 |
| Loan loss allowance to noncurrent loans | 18.9735% | 6,851 |
| Noncurrent assets plus other real estate owned to assets | 5.0992% | 1,251 |
| Noncurrent loans to loans | 6.2267% | 987 |
| Net loans and leases to total assets | 75.0118% | 1,473 |
| Net loans and leases to deposits | 89.7220% | 1,563 |
| Net loans and leases to core deposits | 93.9753% | 2,255 |
| Total domestic deposits to total assets | 83.6047% | 4,552 |
| Equity capital to assets | 9.6716% | 4,183 |
| Core capital (leverage) ratio | 9.4543% | 3,757 |
| Tier 1 risk-based capital ratio | 14.4227% | 3,602 |
| Total risk-based capital ratio | 15.6745% | 3,553 |
| Memoranda: | ||
| Average total assets | $358,434,600 | 1,823 |
| Average earning assets | $331,754,800 | 1,798 |
| Average equity | $33,423,200 | 1,977 |
| Average total loans | $270,949,400 | 1,646 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8738% | 5,383 |
| Cost of funding earning assets | 1.6238% | 2,256 |
| Net interest margin | 3.2500% | 6,168 |
| Noninterest income to average assets | 0.2168% | 6,352 |
| Noninterest expense to average assets | 2.3629% | 6,142 |
| Loan and lease loss provision to assets | 0.4903% | 3,019 |
| Net operating income to assets | 0.2368% | 5,404 |
| Return on assets (ROA) | 0.2368% | 5,565 |
| Pretax return on assets | 0.3719% | 5,308 |
| Return on Equity (ROE) | 2.5627% | 5,407 |
| Retained earnings to average equity (ytd only) | 2.5627% | 4,628 |
| Net charge-offs to loans | 0.4782% | 3,365 |
| Credit loss provision to net charge-offs | 135.7582% | 2,960 |
| Earnings coverage of net charge-offs (x) | 2.3873% | 3,980 |
| Efficiency ratio | 73.2676% | 3,469 |
| Assets per employee ($millions) | 6.4743% | 979 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0629% | 6,102 |
| Loan loss allowance to noncurrent loans | 17.9991% | 6,978 |
| Noncurrent assets plus other real estate owned to assets | 4.8264% | 1,362 |
| Noncurrent loans to loans | 5.9052% | 1,077 |
| Net loans and leases to total assets | 73.9783% | 1,808 |
| Net loans and leases to deposits | 88.1810% | 1,985 |
| Net loans and leases to core deposits | 92.7458% | 2,691 |
| Total domestic deposits to total assets | 83.8937% | 4,188 |
| Equity capital to assets | 9.4728% | 4,887 |
| Core capital (leverage) ratio | 9.2815% | 4,233 |
| Tier 1 risk-based capital ratio | 14.3705% | 3,581 |
| Total risk-based capital ratio | 15.6160% | 3,553 |
| Memoranda: | ||
| Average total assets | $360,343,000 | 1,841 |
| Average earning assets | $333,530,500 | 1,815 |
| Average equity | $33,297,000 | 2,001 |
| Average total loans | $272,114,750 | 1,659 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9512% | 5,171 |
| Cost of funding earning assets | 1.6982% | 2,126 |
| Net interest margin | 3.2530% | 6,158 |
| Noninterest income to average assets | 0.1819% | 6,610 |
| Noninterest expense to average assets | 2.3667% | 6,164 |
| Loan and lease loss provision to assets | 0.4699% | 2,964 |
| Net operating income to assets | 0.2300% | 5,459 |
| Return on assets (ROA) | 0.2300% | 5,596 |
| Pretax return on assets | 0.3560% | 5,354 |
| Return on Equity (ROE) | 2.5096% | 5,458 |
| Retained earnings to average equity (ytd only) | 2.5096% | 4,559 |
| Net charge-offs to loans | 0.5422% | 2,902 |
| Credit loss provision to net charge-offs | 114.4011% | 3,559 |
| Earnings coverage of net charge-offs (x) | 2.0108% | 4,016 |
| Efficiency ratio | 74.1299% | 3,449 |
| Assets per employee ($millions) | 5.3566% | 1,750 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9633% | 6,554 |
| Loan loss allowance to noncurrent loans | 16.5272% | 7,088 |
| Noncurrent assets plus other real estate owned to assets | 4.6604% | 1,399 |
| Noncurrent loans to loans | 5.8287% | 1,109 |
| Net loans and leases to total assets | 74.1352% | 1,881 |
| Net loans and leases to deposits | 88.1375% | 2,150 |
| Net loans and leases to core deposits | 92.6181% | 2,900 |
| Total domestic deposits to total assets | 84.1131% | 4,063 |
| Equity capital to assets | 9.3161% | 4,984 |
| Core capital (leverage) ratio | 9.0747% | 4,488 |
| Tier 1 risk-based capital ratio | 13.9464% | 3,773 |
| Total risk-based capital ratio | 15.0631% | 3,828 |
| Memoranda: | ||
| Average total assets | $361,762,670 | 1,848 |
| Average earning assets | $334,825,000 | 1,825 |
| Average equity | $33,152,330 | 2,008 |
| Average total loans | $274,068,000 | 1,667 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9692% | 5,159 |
| Cost of funding earning assets | 1.7572% | 2,092 |
| Net interest margin | 3.2120% | 6,260 |
| Noninterest income to average assets | 0.1035% | 7,189 |
| Noninterest expense to average assets | 2.2753% | 6,466 |
| Loan and lease loss provision to assets | 0.4130% | 2,895 |
| Net operating income to assets | 0.2401% | 5,544 |
| Return on assets (ROA) | 0.2401% | 5,657 |
| Pretax return on assets | 0.3866% | 5,339 |
| Return on Equity (ROE) | 2.6415% | 5,509 |
| Retained earnings to average equity (ytd only) | 2.6415% | 4,562 |
| Net charge-offs to loans | 0.3064% | 3,189 |
| Credit loss provision to net charge-offs | 176.8868% | 2,062 |
| Earnings coverage of net charge-offs (x) | 3.4245% | 2,913 |
| Efficiency ratio | 73.9971% | 3,578 |
| Assets per employee ($millions) | 6.8390% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 6,655 |
| Loan loss allowance to noncurrent loans | 14.7578% | 7,213 |
| Noncurrent assets plus other real estate owned to assets | 5.0865% | 1,253 |
| Noncurrent loans to loans | 6.4679% | 964 |
| Net loans and leases to total assets | 75.6905% | 1,610 |
| Net loans and leases to deposits | 91.2230% | 1,726 |
| Net loans and leases to core deposits | 95.7612% | 2,613 |
| Total domestic deposits to total assets | 82.9731% | 4,640 |
| Equity capital to assets | 9.1476% | 5,066 |
| Core capital (leverage) ratio | 9.0062% | 4,556 |
| Tier 1 risk-based capital ratio | 13.5039% | 3,983 |
| Total risk-based capital ratio | 14.6175% | 4,034 |
| Memoranda: | ||
| Average total assets | $363,197,500 | 1,886 |
| Average earning assets | $335,989,500 | 1,862 |
| Average equity | $33,011,000 | 2,033 |
| Average total loans | $276,775,000 | 1,699 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1807% | 5,738 |
| Cost of funding earning assets | 2.2403% | 1,868 |
| Net interest margin | 2.9404% | 6,781 |
| Noninterest income to average assets | 0.1704% | 6,861 |
| Noninterest expense to average assets | 2.3183% | 6,698 |
| Loan and lease loss provision to assets | 0.4013% | 4,406 |
| Net operating income to assets | 0.1114% | 5,180 |
| Return on assets (ROA) | 0.1114% | 5,227 |
| Pretax return on assets | 0.1759% | 5,059 |
| Return on Equity (ROE) | 1.1990% | 5,168 |
| Retained earnings to average equity (ytd only) | 1.1990% | 4,203 |
| Net charge-offs to loans | 0.0280% | 6,854 |
| Credit loss provision to net charge-offs | 1,819.4805% | 173 |
| Earnings coverage of net charge-offs (x) | 26.1688% | 859 |
| Efficiency ratio | 80.0653% | 2,882 |
| Assets per employee ($millions) | 6.9986% | 792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8971% | 6,824 |
| Loan loss allowance to noncurrent loans | 14.7723% | 7,273 |
| Noncurrent assets plus other real estate owned to assets | 4.7776% | 1,318 |
| Noncurrent loans to loans | 6.0730% | 1,029 |
| Net loans and leases to total assets | 75.3093% | 1,964 |
| Net loans and leases to deposits | 90.6086% | 2,123 |
| Net loans and leases to core deposits | 111.6565% | 2,730 |
| Total domestic deposits to total assets | 83.1150% | 4,472 |
| Equity capital to assets | 9.0307% | 5,093 |
| Core capital (leverage) ratio | 8.8351% | 4,712 |
| Tier 1 risk-based capital ratio | 13.2810% | 3,961 |
| Total risk-based capital ratio | 14.3191% | 4,045 |
| Memoranda: | ||
| Average total assets | $349,099,000 | 1,952 |
| Average earning assets | $323,530,000 | 1,921 |
| Average equity | $32,444,000 | 2,064 |
| Average total loans | $274,542,200 | 1,754 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1968% | 5,892 |
| Cost of funding earning assets | 2.3233% | 1,898 |
| Net interest margin | 2.8735% | 6,914 |
| Noninterest income to average assets | 0.1691% | 6,999 |
| Noninterest expense to average assets | 2.3659% | 6,514 |
| Loan and lease loss provision to assets | 0.3845% | 4,018 |
| Net operating income to assets | 0.0544% | 5,595 |
| Return on assets (ROA) | 0.0544% | 5,630 |
| Pretax return on assets | 0.0818% | 5,558 |
| Return on Equity (ROE) | 0.5813% | 5,623 |
| Retained earnings to average equity (ytd only) | 0.5813% | 4,963 |
| Net charge-offs to loans | 0.0029% | 6,950 |
| Credit loss provision to net charge-offs | 16,600.0000% | 21 |
| Earnings coverage of net charge-offs (x) | 201.3288% | 192 |
| Efficiency ratio | 83.5355% | 2,348 |
| Assets per employee ($millions) | 6.9292% | 816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7623% | 7,224 |
| Loan loss allowance to noncurrent loans | 18.1243% | 7,192 |
| Noncurrent assets plus other real estate owned to assets | 3.3787% | 1,986 |
| Noncurrent loans to loans | 4.2058% | 1,716 |
| Net loans and leases to total assets | 77.5741% | 1,656 |
| Net loans and leases to deposits | 95.1527% | 1,689 |
| Net loans and leases to core deposits | 117.3338% | 2,487 |
| Total domestic deposits to total assets | 81.5259% | 4,866 |
| Equity capital to assets | 9.0309% | 5,443 |
| Core capital (leverage) ratio | 8.9474% | 4,732 |
| Tier 1 risk-based capital ratio | 13.2271% | 4,032 |
| Total risk-based capital ratio | 14.1330% | 4,210 |
| Memoranda: | ||
| Average total assets | $345,392,000 | 1,987 |
| Average earning assets | $320,113,250 | 1,956 |
| Average equity | $32,338,750 | 2,085 |
| Average total loans | $274,039,750 | 1,774 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1959% | 6,090 |
| Cost of funding earning assets | 2.4056% | 1,948 |
| Net interest margin | 2.7903% | 7,030 |
| Noninterest income to average assets | 0.1592% | 7,136 |
| Noninterest expense to average assets | 2.4317% | 6,364 |
| Loan and lease loss provision to assets | 0.3825% | 3,626 |
| Net operating income to assets | -0.0364% | 5,905 |
| Return on assets (ROA) | -0.0364% | 5,970 |
| Pretax return on assets | -0.0687% | 5,960 |
| Return on Equity (ROE) | -0.3842% | 5,980 |
| Retained earnings to average equity (ytd only) | -0.3842% | 5,319 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5727% | 1,943 |
| Assets per employee ($millions) | 6.7770% | 853 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6502% | 7,547 |
| Loan loss allowance to noncurrent loans | 18.7260% | 7,200 |
| Noncurrent assets plus other real estate owned to assets | 2.7397% | 2,346 |
| Noncurrent loans to loans | 3.4724% | 2,025 |
| Net loans and leases to total assets | 78.3874% | 1,665 |
| Net loans and leases to deposits | 98.7079% | 1,432 |
| Net loans and leases to core deposits | 120.0975% | 2,363 |
| Total domestic deposits to total assets | 79.4135% | 5,679 |
| Equity capital to assets | 9.1534% | 5,093 |
| Core capital (leverage) ratio | 9.0623% | 4,530 |
| Tier 1 risk-based capital ratio | 13.3212% | 3,924 |
| Total risk-based capital ratio | 14.0990% | 4,164 |
| Memoranda: | ||
| Average total assets | $340,416,000 | 2,035 |
| Average earning assets | $315,516,670 | 2,020 |
| Average equity | $32,271,670 | 2,102 |
| Average total loans | $271,499,000 | 1,814 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3544% | 5,638 |
| Cost of funding earning assets | 2.5595% | 1,704 |
| Net interest margin | 2.7949% | 7,001 |
| Noninterest income to average assets | 0.1244% | 7,404 |
| Noninterest expense to average assets | 2.3587% | 6,343 |
| Loan and lease loss provision to assets | 0.1088% | 5,577 |
| Net operating income to assets | 0.1495% | 5,823 |
| Return on assets (ROA) | 0.1495% | 5,993 |
| Pretax return on assets | 0.2416% | 5,844 |
| Return on Equity (ROE) | 1.5490% | 5,941 |
| Retained earnings to average equity (ytd only) | 1.5490% | 4,983 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0640% | 1,968 |
| Assets per employee ($millions) | 6.9999% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4631% | 7,872 |
| Loan loss allowance to noncurrent loans | 15.0090% | 7,398 |
| Noncurrent assets plus other real estate owned to assets | 2.3758% | 2,404 |
| Noncurrent loans to loans | 3.0854% | 2,096 |
| Net loans and leases to total assets | 76.6444% | 2,130 |
| Net loans and leases to deposits | 96.6736% | 1,842 |
| Net loans and leases to core deposits | 116.1975% | 2,784 |
| Total domestic deposits to total assets | 79.2816% | 5,613 |
| Equity capital to assets | 9.2522% | 5,008 |
| Core capital (leverage) ratio | 9.5842% | 3,889 |
| Tier 1 risk-based capital ratio | 14.0522% | 3,556 |
| Total risk-based capital ratio | 14.6220% | 3,856 |
| Memoranda: | ||
| Average total assets | $334,421,500 | 2,083 |
| Average earning assets | $309,280,500 | 2,065 |
| Average equity | $32,279,000 | 2,098 |
| Average total loans | $268,224,000 | 1,852 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8496% | 6,267 |
| Cost of funding earning assets | 3.0375% | 1,722 |
| Net interest margin | 2.8121% | 7,310 |
| Noninterest income to average assets | 0.1678% | 7,219 |
| Noninterest expense to average assets | 2.3838% | 6,452 |
| Loan and lease loss provision to assets | 0.0687% | 6,532 |
| Net operating income to assets | 0.1973% | 5,857 |
| Return on assets (ROA) | 0.1973% | 5,674 |
| Pretax return on assets | 0.3107% | 5,487 |
| Return on Equity (ROE) | 1.9166% | 5,644 |
| Retained earnings to average equity (ytd only) | 1.9166% | 4,041 |
| Net charge-offs to loans | 0.0149% | 6,683 |
| Credit loss provision to net charge-offs | 557.8947% | 788 |
| Earnings coverage of net charge-offs (x) | 30.8158% | 1,150 |
| Efficiency ratio | 86.2688% | 1,828 |
| Assets per employee ($millions) | 6.0160% | 1,126 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.4334% | 7,940 |
| Loan loss allowance to noncurrent loans | 18.3215% | 7,302 |
| Noncurrent assets plus other real estate owned to assets | 1.9806% | 2,487 |
| Noncurrent loans to loans | 2.3656% | 2,325 |
| Net loans and leases to total assets | 83.3599% | 983 |
| Net loans and leases to deposits | 108.9360% | 903 |
| Net loans and leases to core deposits | 127.2522% | 2,065 |
| Total domestic deposits to total assets | 76.5219% | 6,115 |
| Equity capital to assets | 10.0913% | 3,926 |
| Core capital (leverage) ratio | 9.9169% | 3,528 |
| Tier 1 risk-based capital ratio | 14.5353% | 3,275 |
| Total risk-based capital ratio | 15.0851% | 3,551 |
| Memoranda: | ||
| Average total assets | $308,622,600 | 2,160 |
| Average earning assets | $284,839,600 | 2,141 |
| Average equity | $31,774,800 | 2,126 |
| Average total loans | $255,665,400 | 1,874 |