Home > One Bank & Trust > Performance and Condition Ratios
One Bank & Trust, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8263% | 4,282 |
| Cost of funding earning assets | 0.8975% | 740 |
| Net interest margin | 2.9288% | 4,975 |
| Noninterest income to average assets | 0.5530% | 2,562 |
| Noninterest expense to average assets | 4.3044% | 359 |
| Loan and lease loss provision to assets | 0.4069% | 296 |
| Net operating income to assets | -1.4119% | 5,490 |
| Return on assets (ROA) | -1.4119% | 5,484 |
| Pretax return on assets | -1.4119% | 5,483 |
| Return on Equity (ROE) | -63.9481% | 5,537 |
| Retained earnings to average equity (ytd only) | -63.9481% | 5,536 |
| Net charge-offs to loans | 0.6052% | 247 |
| Credit loss provision to net charge-offs | 88.6700% | 2,173 |
| Earnings coverage of net charge-offs (x) | -2.1905% | 3,159 |
| Efficiency ratio | 130.4636% | 52 |
| Assets per employee ($millions) | 4.8262% | 2,652 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4922% | 1,422 |
| Loan loss allowance to noncurrent loans | 68.1903% | 4,041 |
| Noncurrent assets plus other real estate owned to assets | 2.5333% | 343 |
| Noncurrent loans to loans | 2.1883% | 640 |
| Net loans and leases to total assets | 75.0745% | 1,779 |
| Net loans and leases to deposits | 91.9139% | 1,596 |
| Net loans and leases to core deposits | 100.0318% | 1,737 |
| Total domestic deposits to total assets | 81.6791% | 3,820 |
| Equity capital to assets | 1.8582% | 5,542 |
| Core capital (leverage) ratio | 2.1463% | 5,541 |
| Tier 1 risk-based capital ratio | 3.1056% | 5,541 |
| Total risk-based capital ratio | 4.3604% | 5,541 |
| Memoranda: | ||
| Average total assets | $265,450,000 | 2,381 |
| Average earning assets | $248,906,670 | 2,372 |
| Average equity | $5,861,000 | 5,020 |
| Average total loans | $201,239,330 | 2,174 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8095% | 4,188 |
| Cost of funding earning assets | 0.8672% | 701 |
| Net interest margin | 2.9422% | 4,971 |
| Noninterest income to average assets | 0.5195% | 2,686 |
| Noninterest expense to average assets | 4.3658% | 332 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | -1.0848% | 5,537 |
| Return on assets (ROA) | -1.0848% | 5,536 |
| Pretax return on assets | -1.0848% | 5,537 |
| Return on Equity (ROE) | -45.7054% | 5,591 |
| Retained earnings to average equity (ytd only) | -45.7054% | 5,582 |
| Net charge-offs to loans | 0.1781% | 822 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | -8.0549% | 2,697 |
| Efficiency ratio | 133.0627% | 47 |
| Assets per employee ($millions) | 4.6703% | 2,898 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4483% | 1,667 |
| Loan loss allowance to noncurrent loans | 74.6767% | 3,945 |
| Noncurrent assets plus other real estate owned to assets | 2.1510% | 498 |
| Noncurrent loans to loans | 1.9394% | 835 |
| Net loans and leases to total assets | 73.7967% | 1,896 |
| Net loans and leases to deposits | 91.7944% | 1,476 |
| Net loans and leases to core deposits | 99.5879% | 1,720 |
| Total domestic deposits to total assets | 80.3935% | 4,344 |
| Equity capital to assets | 2.2310% | 5,603 |
| Core capital (leverage) ratio | 2.4931% | 5,604 |
| Tier 1 risk-based capital ratio | 3.6199% | 5,604 |
| Total risk-based capital ratio | 4.8742% | 5,604 |
| Memoranda: | ||
| Average total assets | $270,280,000 | 2,366 |
| Average earning assets | $253,683,500 | 2,345 |
| Average equity | $6,415,000 | 4,996 |
| Average total loans | $204,388,000 | 2,161 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7870% | 4,090 |
| Cost of funding earning assets | 0.7996% | 625 |
| Net interest margin | 2.9874% | 4,913 |
| Noninterest income to average assets | 0.4789% | 3,132 |
| Noninterest expense to average assets | 4.5978% | 295 |
| Loan and lease loss provision to assets | 0.3549% | 442 |
| Net operating income to assets | -1.6569% | 5,630 |
| Return on assets (ROA) | -1.6691% | 5,630 |
| Pretax return on assets | -1.6691% | 5,640 |
| Return on Equity (ROE) | -51.1244% | 5,661 |
| Retained earnings to average equity (ytd only) | -51.1244% | 5,659 |
| Net charge-offs to loans | 0.9185% | 207 |
| Credit loss provision to net charge-offs | 51.6684% | 3,311 |
| Earnings coverage of net charge-offs (x) | -1.8953% | 4,051 |
| Efficiency ratio | 139.5047% | 33 |
| Assets per employee ($millions) | 4.6501% | 2,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4219% | 1,676 |
| Loan loss allowance to noncurrent loans | 52.4665% | 4,433 |
| Noncurrent assets plus other real estate owned to assets | 2.1855% | 481 |
| Noncurrent loans to loans | 2.7101% | 454 |
| Net loans and leases to total assets | 75.2530% | 1,715 |
| Net loans and leases to deposits | 93.4056% | 1,341 |
| Net loans and leases to core deposits | 102.7021% | 1,509 |
| Total domestic deposits to total assets | 80.5659% | 4,226 |
| Equity capital to assets | 2.5117% | 5,667 |
| Core capital (leverage) ratio | 2.6793% | 5,668 |
| Tier 1 risk-based capital ratio | 3.8540% | 5,668 |
| Total risk-based capital ratio | 5.1084% | 5,668 |
| Memoranda: | ||
| Average total assets | $287,942,000 | 2,238 |
| Average earning assets | $271,509,000 | 2,198 |
| Average equity | $9,400,600 | 4,538 |
| Average total loans | $215,341,200 | 2,032 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7726% | 4,093 |
| Cost of funding earning assets | 0.7901% | 609 |
| Net interest margin | 2.9824% | 4,958 |
| Noninterest income to average assets | 0.5202% | 2,899 |
| Noninterest expense to average assets | 4.6998% | 270 |
| Loan and lease loss provision to assets | 0.1190% | 1,819 |
| Net operating income to assets | -1.4870% | 5,696 |
| Return on assets (ROA) | -1.5030% | 5,697 |
| Pretax return on assets | -1.5030% | 5,695 |
| Return on Equity (ROE) | -43.3814% | 5,726 |
| Retained earnings to average equity (ytd only) | -43.3814% | 5,716 |
| Net charge-offs to loans | 0.6148% | 319 |
| Credit loss provision to net charge-offs | 26.0000% | 3,108 |
| Earnings coverage of net charge-offs (x) | -2.9900% | 3,742 |
| Efficiency ratio | 141.0601% | 31 |
| Assets per employee ($millions) | 4.1999% | 3,643 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4767% | 1,618 |
| Loan loss allowance to noncurrent loans | 64.2915% | 4,251 |
| Noncurrent assets plus other real estate owned to assets | 1.9077% | 703 |
| Noncurrent loans to loans | 2.2969% | 693 |
| Net loans and leases to total assets | 76.8778% | 1,439 |
| Net loans and leases to deposits | 96.2507% | 1,097 |
| Net loans and leases to core deposits | 105.7773% | 1,289 |
| Total domestic deposits to total assets | 79.8724% | 4,340 |
| Equity capital to assets | 3.0340% | 5,729 |
| Core capital (leverage) ratio | 3.1950% | 5,730 |
| Tier 1 risk-based capital ratio | 4.5476% | 5,732 |
| Total risk-based capital ratio | 5.8026% | 5,732 |
| Memoranda: | ||
| Average total assets | $291,407,750 | 2,226 |
| Average earning assets | $274,713,000 | 2,202 |
| Average equity | $10,096,250 | 4,475 |
| Average total loans | $216,854,000 | 2,032 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7310% | 4,130 |
| Cost of funding earning assets | 0.7763% | 594 |
| Net interest margin | 2.9547% | 4,994 |
| Noninterest income to average assets | 0.5335% | 2,805 |
| Noninterest expense to average assets | 4.7895% | 254 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | -1.4695% | 5,748 |
| Return on assets (ROA) | -1.4939% | 5,750 |
| Pretax return on assets | -1.4939% | 5,747 |
| Return on Equity (ROE) | -41.5074% | 5,773 |
| Retained earnings to average equity (ytd only) | -41.5074% | 5,760 |
| Net charge-offs to loans | 0.7280% | 267 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | -2.7544% | 3,451 |
| Efficiency ratio | 144.2636% | 30 |
| Assets per employee ($millions) | 4.2390% | 3,542 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4126% | 1,899 |
| Loan loss allowance to noncurrent loans | 57.1975% | 4,434 |
| Noncurrent assets plus other real estate owned to assets | 2.0503% | 610 |
| Noncurrent loans to loans | 2.4697% | 614 |
| Net loans and leases to total assets | 77.2339% | 1,359 |
| Net loans and leases to deposits | 95.3925% | 1,128 |
| Net loans and leases to core deposits | 104.6871% | 1,314 |
| Total domestic deposits to total assets | 80.9643% | 4,193 |
| Equity capital to assets | 3.3481% | 5,779 |
| Core capital (leverage) ratio | 3.4505% | 5,779 |
| Tier 1 risk-based capital ratio | 4.9297% | 5,781 |
| Total risk-based capital ratio | 6.1837% | 5,781 |
| Memoranda: | ||
| Average total assets | $296,146,330 | 2,212 |
| Average earning assets | $279,283,330 | 2,178 |
| Average equity | $10,658,330 | 4,414 |
| Average total loans | $217,041,000 | 2,030 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6303% | 4,334 |
| Cost of funding earning assets | 0.7671% | 590 |
| Net interest margin | 2.8632% | 5,150 |
| Noninterest income to average assets | 0.5546% | 2,636 |
| Noninterest expense to average assets | 4.7582% | 277 |
| Loan and lease loss provision to assets | 0.6618% | 153 |
| Net operating income to assets | -2.1680% | 5,823 |
| Return on assets (ROA) | -2.1680% | 5,823 |
| Pretax return on assets | -2.1680% | 5,819 |
| Return on Equity (ROE) | -58.3281% | 5,846 |
| Retained earnings to average equity (ytd only) | -58.3281% | 5,829 |
| Net charge-offs to loans | 1.3588% | 127 |
| Credit loss provision to net charge-offs | 68.6813% | 1,850 |
| Earnings coverage of net charge-offs (x) | -1.5632% | 2,884 |
| Efficiency ratio | 146.3166% | 38 |
| Assets per employee ($millions) | 4.1453% | 3,767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4488% | 1,868 |
| Loan loss allowance to noncurrent loans | 56.8663% | 4,499 |
| Noncurrent assets plus other real estate owned to assets | 1.9805% | 669 |
| Noncurrent loans to loans | 2.5477% | 610 |
| Net loans and leases to total assets | 72.2954% | 2,035 |
| Net loans and leases to deposits | 83.7237% | 2,318 |
| Net loans and leases to core deposits | 97.4906% | 1,703 |
| Total domestic deposits to total assets | 86.3499% | 2,515 |
| Equity capital to assets | 3.4953% | 5,846 |
| Core capital (leverage) ratio | 3.6992% | 5,845 |
| Tier 1 risk-based capital ratio | 5.5045% | 5,844 |
| Total risk-based capital ratio | 6.7590% | 5,843 |
| Memoranda: | ||
| Average total assets | $302,212,500 | 2,192 |
| Average earning assets | $284,712,500 | 2,165 |
| Average equity | $11,233,000 | 4,347 |
| Average total loans | $214,312,500 | 2,068 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7123% | 4,177 |
| Cost of funding earning assets | 0.7730% | 567 |
| Net interest margin | 2.9394% | 5,063 |
| Noninterest income to average assets | 0.6151% | 2,582 |
| Noninterest expense to average assets | 4.8520% | 284 |
| Loan and lease loss provision to assets | 0.3789% | 427 |
| Net operating income to assets | -1.8458% | 5,877 |
| Return on assets (ROA) | -1.8461% | 5,876 |
| Pretax return on assets | -1.8461% | 5,872 |
| Return on Equity (ROE) | -38.9665% | 5,899 |
| Retained earnings to average equity (ytd only) | -38.9665% | 5,894 |
| Net charge-offs to loans | 1.0822% | 171 |
| Credit loss provision to net charge-offs | 50.1463% | 3,374 |
| Earnings coverage of net charge-offs (x) | -1.9415% | 4,191 |
| Efficiency ratio | 143.3355% | 40 |
| Assets per employee ($millions) | 4.1913% | 3,632 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6220% | 1,322 |
| Loan loss allowance to noncurrent loans | 74.6652% | 4,117 |
| Noncurrent assets plus other real estate owned to assets | 1.5976% | 1,001 |
| Noncurrent loans to loans | 2.1723% | 786 |
| Net loans and leases to total assets | 67.4193% | 2,868 |
| Net loans and leases to deposits | 78.2451% | 3,071 |
| Net loans and leases to core deposits | 93.9006% | 2,119 |
| Total domestic deposits to total assets | 86.1641% | 2,506 |
| Equity capital to assets | 3.9331% | 5,892 |
| Core capital (leverage) ratio | 4.1466% | 5,893 |
| Tier 1 risk-based capital ratio | 6.2478% | 5,892 |
| Total risk-based capital ratio | 7.5035% | 5,891 |
| Memoranda: | ||
| Average total assets | $316,713,200 | 2,076 |
| Average earning assets | $298,464,000 | 2,052 |
| Average equity | $15,005,200 | 3,808 |
| Average total loans | $221,126,600 | 1,969 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7706% | 4,017 |
| Cost of funding earning assets | 0.7733% | 565 |
| Net interest margin | 2.9973% | 5,018 |
| Noninterest income to average assets | 0.6170% | 2,580 |
| Noninterest expense to average assets | 4.9166% | 279 |
| Loan and lease loss provision to assets | 0.5009% | 248 |
| Net operating income to assets | -1.9757% | 5,943 |
| Return on assets (ROA) | -1.9762% | 5,942 |
| Pretax return on assets | -1.9762% | 5,938 |
| Return on Equity (ROE) | -40.0803% | 5,964 |
| Retained earnings to average equity (ytd only) | -40.0803% | 5,957 |
| Net charge-offs to loans | 1.2518% | 125 |
| Credit loss provision to net charge-offs | 57.0613% | 2,946 |
| Earnings coverage of net charge-offs (x) | -1.6800% | 3,865 |
| Efficiency ratio | 142.8502% | 44 |
| Assets per employee ($millions) | 4.2557% | 3,495 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7594% | 1,088 |
| Loan loss allowance to noncurrent loans | 147.7582% | 2,822 |
| Noncurrent assets plus other real estate owned to assets | 0.9113% | 2,274 |
| Noncurrent loans to loans | 1.1908% | 1,887 |
| Net loans and leases to total assets | 66.3388% | 3,066 |
| Net loans and leases to deposits | 77.8711% | 3,192 |
| Net loans and leases to core deposits | 92.8865% | 2,292 |
| Total domestic deposits to total assets | 85.1905% | 2,722 |
| Equity capital to assets | 4.3700% | 5,959 |
| Core capital (leverage) ratio | 4.3826% | 5,957 |
| Tier 1 risk-based capital ratio | 7.0339% | 5,953 |
| Total risk-based capital ratio | 8.2919% | 5,953 |
| Memoranda: | ||
| Average total assets | $319,400,000 | 2,066 |
| Average earning assets | $301,022,750 | 2,038 |
| Average equity | $15,748,000 | 3,756 |
| Average total loans | $223,988,000 | 1,957 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8001% | 3,957 |
| Cost of funding earning assets | 0.7547% | 611 |
| Net interest margin | 3.0453% | 4,986 |
| Noninterest income to average assets | 0.6515% | 2,360 |
| Noninterest expense to average assets | 4.9046% | 282 |
| Loan and lease loss provision to assets | 0.7446% | 144 |
| Net operating income to assets | -2.1309% | 6,018 |
| Return on assets (ROA) | -2.1315% | 6,020 |
| Pretax return on assets | -2.1315% | 6,013 |
| Return on Equity (ROE) | -41.7071% | 6,041 |
| Retained earnings to average equity (ytd only) | -41.7071% | 6,028 |
| Net charge-offs to loans | 1.4218% | 107 |
| Credit loss provision to net charge-offs | 73.8007% | 2,441 |
| Earnings coverage of net charge-offs (x) | -1.3739% | 3,596 |
| Efficiency ratio | 139.4004% | 54 |
| Assets per employee ($millions) | 4.2787% | 3,408 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8834% | 922 |
| Loan loss allowance to noncurrent loans | 113.8176% | 3,439 |
| Noncurrent assets plus other real estate owned to assets | 1.3000% | 1,555 |
| Noncurrent loans to loans | 1.6548% | 1,284 |
| Net loans and leases to total assets | 68.5779% | 2,695 |
| Net loans and leases to deposits | 80.7160% | 2,850 |
| Net loans and leases to core deposits | 99.7272% | 1,649 |
| Total domestic deposits to total assets | 84.9620% | 2,901 |
| Equity capital to assets | 4.7631% | 6,035 |
| Core capital (leverage) ratio | 4.7356% | 6,032 |
| Tier 1 risk-based capital ratio | 7.1009% | 6,030 |
| Total risk-based capital ratio | 8.3601% | 6,032 |
| Memoranda: | ||
| Average total assets | $322,311,330 | 2,063 |
| Average earning assets | $303,414,000 | 2,035 |
| Average equity | $16,472,000 | 3,667 |
| Average total loans | $228,723,000 | 1,924 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7816% | 4,009 |
| Cost of funding earning assets | 0.7451% | 650 |
| Net interest margin | 3.0366% | 5,029 |
| Noninterest income to average assets | 0.5154% | 3,018 |
| Noninterest expense to average assets | 5.0204% | 269 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | -1.6521% | 6,064 |
| Return on assets (ROA) | -1.6681% | 6,064 |
| Pretax return on assets | -1.6681% | 6,063 |
| Return on Equity (ROE) | -31.5946% | 6,090 |
| Retained earnings to average equity (ytd only) | -31.5946% | 6,030 |
| Net charge-offs to loans | -0.0774% | 5,537 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 149.0504% | 44 |
| Assets per employee ($millions) | 4.2125% | 3,566 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9736% | 852 |
| Loan loss allowance to noncurrent loans | 77.6402% | 4,144 |
| Noncurrent assets plus other real estate owned to assets | 2.5860% | 560 |
| Noncurrent loans to loans | 2.5420% | 728 |
| Net loans and leases to total assets | 71.0351% | 2,185 |
| Net loans and leases to deposits | 84.0850% | 2,293 |
| Net loans and leases to core deposits | 103.3669% | 1,230 |
| Total domestic deposits to total assets | 84.4801% | 3,324 |
| Equity capital to assets | 5.1596% | 6,086 |
| Core capital (leverage) ratio | 5.2368% | 6,085 |
| Tier 1 risk-based capital ratio | 7.7052% | 6,083 |
| Total risk-based capital ratio | 8.9664% | 6,082 |
| Memoranda: | ||
| Average total assets | $325,155,000 | 2,057 |
| Average earning assets | $305,477,500 | 2,020 |
| Average equity | $17,167,500 | 3,557 |
| Average total loans | $232,433,500 | 1,899 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8604% | 3,845 |
| Cost of funding earning assets | 0.7670% | 591 |
| Net interest margin | 3.0935% | 4,917 |
| Noninterest income to average assets | 2.7667% | 237 |
| Noninterest expense to average assets | 4.6568% | 365 |
| Loan and lease loss provision to assets | 0.0121% | 4,168 |
| Net operating income to assets | 0.9716% | 2,513 |
| Return on assets (ROA) | 0.9755% | 2,565 |
| Pretax return on assets | 0.9755% | 3,557 |
| Return on Equity (ROE) | 20.4769% | 220 |
| Retained earnings to average equity (ytd only) | 20.4769% | 60 |
| Net charge-offs to loans | 0.7855% | 289 |
| Credit loss provision to net charge-offs | 2.2637% | 3,886 |
| Earnings coverage of net charge-offs (x) | 1.8455% | 4,021 |
| Efficiency ratio | 82.5606% | 1,330 |
| Assets per employee ($millions) | 4.4047% | 3,208 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9990% | 805 |
| Loan loss allowance to noncurrent loans | 71.4575% | 4,349 |
| Noncurrent assets plus other real estate owned to assets | 2.7661% | 516 |
| Noncurrent loans to loans | 2.7975% | 611 |
| Net loans and leases to total assets | 69.0979% | 2,521 |
| Net loans and leases to deposits | 82.6056% | 2,523 |
| Net loans and leases to core deposits | 101.4299% | 1,408 |
| Total domestic deposits to total assets | 83.6479% | 3,614 |
| Equity capital to assets | 5.3994% | 6,135 |
| Core capital (leverage) ratio | 5.5736% | 6,131 |
| Tier 1 risk-based capital ratio | 8.4703% | 6,130 |
| Total risk-based capital ratio | 9.7317% | 6,126 |
| Memoranda: | ||
| Average total assets | $331,515,200 | 1,983 |
| Average earning assets | $307,970,400 | 1,977 |
| Average equity | $15,793,400 | 3,711 |
| Average total loans | $224,957,800 | 1,894 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8869% | 3,782 |
| Cost of funding earning assets | 0.7827% | 551 |
| Net interest margin | 3.1042% | 4,956 |
| Noninterest income to average assets | 3.5020% | 179 |
| Noninterest expense to average assets | 4.6751% | 371 |
| Loan and lease loss provision to assets | 0.0160% | 3,949 |
| Net operating income to assets | 1.6873% | 644 |
| Return on assets (ROA) | 1.6925% | 660 |
| Pretax return on assets | 1.6925% | 1,126 |
| Return on Equity (ROE) | 36.7262% | 30 |
| Retained earnings to average equity (ytd only) | 36.7262% | 15 |
| Net charge-offs to loans | 0.6513% | 341 |
| Credit loss provision to net charge-offs | 3.6597% | 3,499 |
| Earnings coverage of net charge-offs (x) | 3.8911% | 3,438 |
| Efficiency ratio | 73.2952% | 2,669 |
| Assets per employee ($millions) | 4.6392% | 2,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2997% | 575 |
| Loan loss allowance to noncurrent loans | 58.5659% | 4,738 |
| Noncurrent assets plus other real estate owned to assets | 3.3726% | 398 |
| Noncurrent loans to loans | 3.9267% | 335 |
| Net loans and leases to total assets | 67.9455% | 2,686 |
| Net loans and leases to deposits | 80.3858% | 2,835 |
| Net loans and leases to core deposits | 99.4216% | 1,564 |
| Total domestic deposits to total assets | 84.5242% | 3,210 |
| Equity capital to assets | 5.7498% | 6,210 |
| Core capital (leverage) ratio | 5.8609% | 6,206 |
| Tier 1 risk-based capital ratio | 8.7859% | 6,199 |
| Total risk-based capital ratio | 10.0504% | 6,197 |
| Memoranda: | ||
| Average total assets | $332,907,750 | 1,986 |
| Average earning assets | $308,478,500 | 1,985 |
| Average equity | $15,342,000 | 3,814 |
| Average total loans | $223,743,500 | 1,912 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8320% | 3,947 |
| Cost of funding earning assets | 0.7927% | 523 |
| Net interest margin | 3.0393% | 5,120 |
| Noninterest income to average assets | 0.7597% | 1,954 |
| Noninterest expense to average assets | 4.3893% | 460 |
| Loan and lease loss provision to assets | 0.0239% | 3,657 |
| Net operating income to assets | -0.8166% | 6,244 |
| Return on assets (ROA) | -0.7824% | 6,244 |
| Pretax return on assets | -0.7824% | 6,233 |
| Return on Equity (ROE) | -18.4826% | 6,292 |
| Retained earnings to average equity (ytd only) | -18.4826% | 6,257 |
| Net charge-offs to loans | 0.8632% | 239 |
| Credit loss provision to net charge-offs | 4.1754% | 3,133 |
| Earnings coverage of net charge-offs (x) | -1.3820% | 3,777 |
| Efficiency ratio | 122.0373% | 102 |
| Assets per employee ($millions) | 4.5296% | 2,936 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5348% | 471 |
| Loan loss allowance to noncurrent loans | 84.2113% | 4,094 |
| Noncurrent assets plus other real estate owned to assets | 2.6615% | 680 |
| Noncurrent loans to loans | 3.0101% | 657 |
| Net loans and leases to total assets | 63.7012% | 3,305 |
| Net loans and leases to deposits | 73.5678% | 3,545 |
| Net loans and leases to core deposits | 94.8275% | 1,888 |
| Total domestic deposits to total assets | 86.5884% | 2,381 |
| Equity capital to assets | 3.9202% | 6,319 |
| Core capital (leverage) ratio | 4.1290% | 6,319 |
| Tier 1 risk-based capital ratio | 6.7830% | 6,313 |
| Total risk-based capital ratio | 8.0507% | 6,313 |
| Memoranda: | ||
| Average total assets | $334,081,670 | 1,985 |
| Average earning assets | $311,845,000 | 1,968 |
| Average equity | $14,143,000 | 4,023 |
| Average total loans | $221,967,670 | 1,930 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8014% | 4,000 |
| Cost of funding earning assets | 0.8254% | 438 |
| Net interest margin | 2.9760% | 5,279 |
| Noninterest income to average assets | 0.6922% | 2,195 |
| Noninterest expense to average assets | 4.6513% | 388 |
| Loan and lease loss provision to assets | 0.6212% | 151 |
| Net operating income to assets | -1.8115% | 6,361 |
| Return on assets (ROA) | -1.7441% | 6,363 |
| Pretax return on assets | -1.7441% | 6,359 |
| Return on Equity (ROE) | -39.7787% | 6,395 |
| Retained earnings to average equity (ytd only) | -39.7787% | 6,375 |
| Net charge-offs to loans | 1.1256% | 208 |
| Credit loss provision to net charge-offs | 82.4176% | 1,808 |
| Earnings coverage of net charge-offs (x) | -1.5793% | 3,194 |
| Efficiency ratio | 134.3932% | 71 |
| Assets per employee ($millions) | 4.3770% | 3,239 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5460% | 500 |
| Loan loss allowance to noncurrent loans | 102.0317% | 3,642 |
| Noncurrent assets plus other real estate owned to assets | 2.4004% | 911 |
| Noncurrent loans to loans | 2.4953% | 970 |
| Net loans and leases to total assets | 65.8767% | 2,799 |
| Net loans and leases to deposits | 76.3503% | 3,013 |
| Net loans and leases to core deposits | 99.4807% | 1,356 |
| Total domestic deposits to total assets | 86.2821% | 2,777 |
| Equity capital to assets | 4.2284% | 6,389 |
| Core capital (leverage) ratio | 4.1579% | 6,389 |
| Tier 1 risk-based capital ratio | 6.8493% | 6,380 |
| Total risk-based capital ratio | 8.1185% | 6,380 |
| Memoranda: | ||
| Average total assets | $338,058,000 | 1,971 |
| Average earning assets | $314,513,500 | 1,963 |
| Average equity | $14,822,000 | 3,942 |
| Average total loans | $226,376,000 | 1,903 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8785% | 4,207 |
| Cost of funding earning assets | 1.1337% | 113 |
| Net interest margin | 2.7448% | 5,879 |
| Noninterest income to average assets | 1.7441% | 425 |
| Noninterest expense to average assets | 4.2656% | 566 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | -0.0003% | 6,090 |
| Return on assets (ROA) | 0.1124% | 5,973 |
| Pretax return on assets | 0.1564% | 5,930 |
| Return on Equity (ROE) | 2.6504% | 5,585 |
| Retained earnings to average equity (ytd only) | 2.6504% | 4,357 |
| Net charge-offs to loans | 0.9303% | 346 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | -0.0005% | 4,715 |
| Efficiency ratio | 100.0064% | 360 |
| Assets per employee ($millions) | 4.5795% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5609% | 509 |
| Loan loss allowance to noncurrent loans | 114.0512% | 3,431 |
| Noncurrent assets plus other real estate owned to assets | 2.2701% | 1,058 |
| Noncurrent loans to loans | 2.2454% | 1,173 |
| Net loans and leases to total assets | 64.6504% | 3,114 |
| Net loans and leases to deposits | 75.0664% | 3,303 |
| Net loans and leases to core deposits | 101.7831% | 1,261 |
| Total domestic deposits to total assets | 86.1243% | 2,769 |
| Equity capital to assets | 4.5356% | 6,471 |
| Core capital (leverage) ratio | 4.3993% | 6,473 |
| Tier 1 risk-based capital ratio | 6.7825% | 6,467 |
| Total risk-based capital ratio | 8.0487% | 6,468 |
| Memoranda: | ||
| Average total assets | $366,440,600 | 1,774 |
| Average earning assets | $336,595,400 | 1,779 |
| Average equity | $15,545,000 | 3,741 |
| Average total loans | $222,610,400 | 1,886 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8360% | 4,418 |
| Cost of funding earning assets | 1.1578% | 105 |
| Net interest margin | 2.6782% | 6,033 |
| Noninterest income to average assets | 2.2404% | 287 |
| Noninterest expense to average assets | 4.3347% | 536 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.3245% | 5,516 |
| Return on assets (ROA) | 0.4693% | 5,073 |
| Pretax return on assets | 0.5270% | 5,244 |
| Return on Equity (ROE) | 11.2419% | 1,702 |
| Retained earnings to average equity (ytd only) | 11.2419% | 480 |
| Net charge-offs to loans | 0.9929% | 312 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.6171% | 4,349 |
| Efficiency ratio | 92.2467% | 695 |
| Assets per employee ($millions) | 4.6498% | 2,734 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7419% | 470 |
| Loan loss allowance to noncurrent loans | 64.6124% | 4,650 |
| Noncurrent assets plus other real estate owned to assets | 3.8326% | 534 |
| Noncurrent loans to loans | 4.2436% | 475 |
| Net loans and leases to total assets | 62.0088% | 3,483 |
| Net loans and leases to deposits | 71.3631% | 3,753 |
| Net loans and leases to core deposits | 99.0860% | 1,444 |
| Total domestic deposits to total assets | 86.8919% | 2,376 |
| Equity capital to assets | 4.7076% | 6,532 |
| Core capital (leverage) ratio | 4.5279% | 6,542 |
| Tier 1 risk-based capital ratio | 7.4423% | 6,523 |
| Total risk-based capital ratio | 8.7103% | 6,524 |
| Memoranda: | ||
| Average total assets | $372,184,750 | 1,767 |
| Average earning assets | $341,669,750 | 1,755 |
| Average equity | $15,536,750 | 3,766 |
| Average total loans | $221,291,250 | 1,908 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7902% | 4,561 |
| Cost of funding earning assets | 1.1595% | 105 |
| Net interest margin | 2.6306% | 6,136 |
| Noninterest income to average assets | 2.6007% | 231 |
| Noninterest expense to average assets | 4.4585% | 467 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.4918% | 4,837 |
| Return on assets (ROA) | 0.6389% | 4,262 |
| Pretax return on assets | 0.7243% | 4,556 |
| Return on Equity (ROE) | 15.9498% | 662 |
| Retained earnings to average equity (ytd only) | 15.9498% | 176 |
| Net charge-offs to loans | 1.2203% | 253 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.7859% | 3,972 |
| Efficiency ratio | 88.8912% | 1,004 |
| Assets per employee ($millions) | 4.4639% | 2,980 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9993% | 384 |
| Loan loss allowance to noncurrent loans | 58.3311% | 4,871 |
| Noncurrent assets plus other real estate owned to assets | 4.2420% | 477 |
| Noncurrent loans to loans | 5.1419% | 373 |
| Net loans and leases to total assets | 56.6750% | 4,161 |
| Net loans and leases to deposits | 64.8178% | 4,400 |
| Net loans and leases to core deposits | 90.5941% | 2,069 |
| Total domestic deposits to total assets | 87.4375% | 2,225 |
| Equity capital to assets | 4.4783% | 6,602 |
| Core capital (leverage) ratio | 4.4085% | 6,604 |
| Tier 1 risk-based capital ratio | 7.1377% | 6,594 |
| Total risk-based capital ratio | 8.4070% | 6,591 |
| Memoranda: | ||
| Average total assets | $376,900,330 | 1,743 |
| Average earning assets | $345,999,000 | 1,733 |
| Average equity | $15,097,330 | 3,839 |
| Average total loans | $218,963,670 | 1,910 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9608% | 3,852 |
| Cost of funding earning assets | 1.1786% | 102 |
| Net interest margin | 2.7821% | 5,971 |
| Noninterest income to average assets | 0.6701% | 2,342 |
| Noninterest expense to average assets | 4.4862% | 462 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | -1.2650% | 6,616 |
| Return on assets (ROA) | -1.2650% | 6,610 |
| Pretax return on assets | -1.2650% | 6,598 |
| Return on Equity (ROE) | -33.5439% | 6,669 |
| Retained earnings to average equity (ytd only) | -33.5439% | 6,630 |
| Net charge-offs to loans | 1.2024% | 279 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | -1.8161% | 3,532 |
| Efficiency ratio | 139.2705% | 88 |
| Assets per employee ($millions) | 4.4905% | 2,986 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3967% | 291 |
| Loan loss allowance to noncurrent loans | 89.3504% | 3,908 |
| Noncurrent assets plus other real estate owned to assets | 3.7237% | 672 |
| Noncurrent loans to loans | 3.8015% | 737 |
| Net loans and leases to total assets | 54.6563% | 4,329 |
| Net loans and leases to deposits | 61.9583% | 4,552 |
| Net loans and leases to core deposits | 86.4784% | 2,268 |
| Total domestic deposits to total assets | 88.2147% | 2,099 |
| Equity capital to assets | 3.6487% | 6,680 |
| Core capital (leverage) ratio | 3.7003% | 6,684 |
| Tier 1 risk-based capital ratio | 6.1446% | 6,673 |
| Total risk-based capital ratio | 7.3840% | 6,673 |
| Memoranda: | ||
| Average total assets | $377,868,500 | 1,742 |
| Average earning assets | $346,499,000 | 1,734 |
| Average equity | $14,250,000 | 4,000 |
| Average total loans | $218,904,500 | 1,905 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8391% | 4,663 |
| Cost of funding earning assets | 1.2717% | 125 |
| Net interest margin | 2.5674% | 6,301 |
| Noninterest income to average assets | 1.2323% | 919 |
| Noninterest expense to average assets | 4.6775% | 454 |
| Loan and lease loss provision to assets | 0.5602% | 465 |
| Net operating income to assets | -1.6345% | 6,686 |
| Return on assets (ROA) | -1.6345% | 6,681 |
| Pretax return on assets | -1.6741% | 6,678 |
| Return on Equity (ROE) | -35.8935% | 6,744 |
| Retained earnings to average equity (ytd only) | -35.8935% | 6,741 |
| Net charge-offs to loans | 0.5375% | 1,232 |
| Credit loss provision to net charge-offs | 162.8571% | 1,399 |
| Earnings coverage of net charge-offs (x) | -3.2386% | 5,359 |
| Efficiency ratio | 131.2582% | 116 |
| Assets per employee ($millions) | 4.4015% | 3,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5237% | 285 |
| Loan loss allowance to noncurrent loans | 45.8111% | 5,429 |
| Noncurrent assets plus other real estate owned to assets | 5.8532% | 331 |
| Noncurrent loans to loans | 7.6919% | 207 |
| Net loans and leases to total assets | 57.1911% | 4,168 |
| Net loans and leases to deposits | 65.0278% | 4,411 |
| Net loans and leases to core deposits | 91.1405% | 1,888 |
| Total domestic deposits to total assets | 87.9487% | 2,204 |
| Equity capital to assets | 3.8932% | 6,744 |
| Core capital (leverage) ratio | 3.9123% | 6,755 |
| Tier 1 risk-based capital ratio | 6.5400% | 6,745 |
| Total risk-based capital ratio | 7.8066% | 6,745 |
| Memoranda: | ||
| Average total assets | $407,033,200 | 1,618 |
| Average earning assets | $369,590,000 | 1,637 |
| Average equity | $18,535,400 | 3,339 |
| Average total loans | $260,471,600 | 1,590 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9043% | 4,487 |
| Cost of funding earning assets | 1.2864% | 133 |
| Net interest margin | 2.6179% | 6,295 |
| Noninterest income to average assets | 1.3177% | 851 |
| Noninterest expense to average assets | 4.5543% | 496 |
| Loan and lease loss provision to assets | 0.7340% | 294 |
| Net operating income to assets | -1.5990% | 6,769 |
| Return on assets (ROA) | -1.5990% | 6,769 |
| Pretax return on assets | -1.5990% | 6,762 |
| Return on Equity (ROE) | -33.9877% | 6,827 |
| Retained earnings to average equity (ytd only) | -33.9877% | 6,823 |
| Net charge-offs to loans | 0.6461% | 946 |
| Credit loss provision to net charge-offs | 174.5789% | 1,375 |
| Earnings coverage of net charge-offs (x) | -2.0574% | 5,084 |
| Efficiency ratio | 123.4468% | 149 |
| Assets per employee ($millions) | 4.6237% | 2,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2945% | 416 |
| Loan loss allowance to noncurrent loans | 40.5422% | 5,611 |
| Noncurrent assets plus other real estate owned to assets | 7.2724% | 268 |
| Noncurrent loans to loans | 8.1261% | 215 |
| Net loans and leases to total assets | 59.7578% | 3,737 |
| Net loans and leases to deposits | 67.8544% | 4,077 |
| Net loans and leases to core deposits | 95.4044% | 1,440 |
| Total domestic deposits to total assets | 88.0677% | 2,091 |
| Equity capital to assets | 4.1739% | 6,811 |
| Core capital (leverage) ratio | 4.1101% | 6,822 |
| Tier 1 risk-based capital ratio | 6.9990% | 6,803 |
| Total risk-based capital ratio | 8.2768% | 6,802 |
| Memoranda: | ||
| Average total assets | $414,158,750 | 1,600 |
| Average earning assets | $375,196,750 | 1,621 |
| Average equity | $19,485,000 | 3,246 |
| Average total loans | $269,491,250 | 1,558 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0302% | 4,001 |
| Cost of funding earning assets | 1.2728% | 164 |
| Net interest margin | 2.7575% | 6,085 |
| Noninterest income to average assets | 0.9178% | 1,754 |
| Noninterest expense to average assets | 4.4335% | 559 |
| Loan and lease loss provision to assets | 0.7122% | 319 |
| Net operating income to assets | -1.7383% | 6,832 |
| Return on assets (ROA) | -1.7383% | 6,834 |
| Pretax return on assets | -1.7383% | 6,825 |
| Return on Equity (ROE) | -35.6962% | 6,878 |
| Retained earnings to average equity (ytd only) | -35.6962% | 6,870 |
| Net charge-offs to loans | 0.4325% | 1,497 |
| Credit loss provision to net charge-offs | 249.1694% | 1,015 |
| Earnings coverage of net charge-offs (x) | -3.5897% | 4,805 |
| Efficiency ratio | 130.1143% | 129 |
| Assets per employee ($millions) | 4.5545% | 2,732 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0481% | 557 |
| Loan loss allowance to noncurrent loans | 40.0900% | 5,621 |
| Noncurrent assets plus other real estate owned to assets | 7.2192% | 321 |
| Noncurrent loans to loans | 7.6032% | 288 |
| Net loans and leases to total assets | 62.8933% | 3,119 |
| Net loans and leases to deposits | 72.2418% | 3,416 |
| Net loans and leases to core deposits | 101.4150% | 981 |
| Total domestic deposits to total assets | 87.0594% | 2,786 |
| Equity capital to assets | 4.6772% | 6,844 |
| Core capital (leverage) ratio | 4.4974% | 6,850 |
| Tier 1 risk-based capital ratio | 7.3077% | 6,827 |
| Total risk-based capital ratio | 8.5758% | 6,827 |
| Memoranda: | ||
| Average total assets | $421,205,670 | 1,582 |
| Average earning assets | $380,274,670 | 1,598 |
| Average equity | $20,512,000 | 3,154 |
| Average total loans | $278,368,330 | 1,521 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2737% | 3,010 |
| Cost of funding earning assets | 1.3091% | 149 |
| Net interest margin | 2.9645% | 5,666 |
| Noninterest income to average assets | 0.5396% | 3,501 |
| Noninterest expense to average assets | 4.7945% | 426 |
| Loan and lease loss provision to assets | 1.1590% | 141 |
| Net operating income to assets | -2.7389% | 6,954 |
| Return on assets (ROA) | -2.7389% | 6,955 |
| Pretax return on assets | -2.7389% | 6,952 |
| Return on Equity (ROE) | -55.2279% | 6,975 |
| Retained earnings to average equity (ytd only) | -55.2279% | 6,969 |
| Net charge-offs to loans | 0.9097% | 667 |
| Credit loss provision to net charge-offs | 191.1315% | 1,131 |
| Earnings coverage of net charge-offs (x) | -2.6055% | 4,042 |
| Efficiency ratio | 149.1491% | 92 |
| Assets per employee ($millions) | 5.0369% | 2,164 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7097% | 904 |
| Loan loss allowance to noncurrent loans | 45.0852% | 5,371 |
| Noncurrent assets plus other real estate owned to assets | 6.3621% | 482 |
| Noncurrent loans to loans | 6.0102% | 554 |
| Net loans and leases to total assets | 64.6897% | 2,585 |
| Net loans and leases to deposits | 75.0734% | 2,764 |
| Net loans and leases to core deposits | 105.9522% | 643 |
| Total domestic deposits to total assets | 86.1687% | 3,439 |
| Equity capital to assets | 4.7077% | 6,911 |
| Core capital (leverage) ratio | 4.7077% | 6,894 |
| Tier 1 risk-based capital ratio | 7.0546% | 6,896 |
| Total risk-based capital ratio | 8.3134% | 6,897 |
| Memoranda: | ||
| Average total assets | $431,412,000 | 1,563 |
| Average earning assets | $389,266,500 | 1,571 |
| Average equity | $21,395,000 | 3,093 |
| Average total loans | $287,554,000 | 1,475 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1094% | 1,290 |
| Cost of funding earning assets | 1.2643% | 429 |
| Net interest margin | 3.8452% | 3,041 |
| Noninterest income to average assets | 0.2518% | 5,665 |
| Noninterest expense to average assets | 3.6255% | 1,551 |
| Loan and lease loss provision to assets | 1.0049% | 416 |
| Net operating income to assets | -0.9413% | 6,726 |
| Return on assets (ROA) | -0.9413% | 6,742 |
| Pretax return on assets | -0.9413% | 6,718 |
| Return on Equity (ROE) | -13.0012% | 6,791 |
| Retained earnings to average equity (ytd only) | -13.0012% | 6,730 |
| Net charge-offs to loans | 1.0543% | 1,017 |
| Credit loss provision to net charge-offs | 133.0409% | 2,106 |
| Earnings coverage of net charge-offs (x) | 0.0842% | 5,448 |
| Efficiency ratio | 98.2758% | 616 |
| Assets per employee ($millions) | 4.9969% | 2,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3919% | 1,245 |
| Loan loss allowance to noncurrent loans | 45.4469% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 6.1099% | 556 |
| Noncurrent loans to loans | 5.2631% | 732 |
| Net loans and leases to total assets | 65.2127% | 2,670 |
| Net loans and leases to deposits | 75.9688% | 2,813 |
| Net loans and leases to core deposits | 108.5280% | 590 |
| Total domestic deposits to total assets | 85.8414% | 3,432 |
| Equity capital to assets | 5.2014% | 6,940 |
| Core capital (leverage) ratio | 5.2116% | 6,919 |
| Tier 1 risk-based capital ratio | 7.3500% | 6,936 |
| Total risk-based capital ratio | 8.5966% | 6,938 |
| Memoranda: | ||
| Average total assets | $452,770,600 | 1,455 |
| Average earning assets | $404,741,400 | 1,489 |
| Average equity | $32,781,600 | 2,104 |
| Average total loans | $324,396,400 | 1,298 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8785% | 2,091 |
| Cost of funding earning assets | 1.2754% | 489 |
| Net interest margin | 3.6031% | 4,223 |
| Noninterest income to average assets | 0.3491% | 5,020 |
| Noninterest expense to average assets | 3.1336% | 2,791 |
| Loan and lease loss provision to assets | 0.4678% | 1,324 |
| Net operating income to assets | -0.0342% | 6,326 |
| Return on assets (ROA) | -0.0342% | 6,447 |
| Pretax return on assets | -0.0342% | 6,431 |
| Return on Equity (ROE) | -0.4424% | 6,455 |
| Retained earnings to average equity (ytd only) | -0.4424% | 6,167 |
| Net charge-offs to loans | 0.4369% | 2,353 |
| Credit loss provision to net charge-offs | 147.0588% | 1,931 |
| Earnings coverage of net charge-offs (x) | 1.3630% | 4,617 |
| Efficiency ratio | 87.8453% | 1,207 |
| Assets per employee ($millions) | 5.2847% | 1,843 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0547% | 2,022 |
| Loan loss allowance to noncurrent loans | 39.3504% | 5,674 |
| Noncurrent assets plus other real estate owned to assets | 6.2453% | 622 |
| Noncurrent loans to loans | 5.2215% | 845 |
| Net loans and leases to total assets | 67.2212% | 2,421 |
| Net loans and leases to deposits | 76.8218% | 2,854 |
| Net loans and leases to core deposits | 107.9746% | 653 |
| Total domestic deposits to total assets | 87.5028% | 2,350 |
| Equity capital to assets | 5.8902% | 6,995 |
| Core capital (leverage) ratio | 5.8692% | 6,957 |
| Tier 1 risk-based capital ratio | 9.3000% | 6,919 |
| Total risk-based capital ratio | 10.2606% | 6,939 |
| Memoranda: | ||
| Average total assets | $456,031,750 | 1,459 |
| Average earning assets | $407,302,250 | 1,500 |
| Average equity | $35,259,000 | 1,978 |
| Average total loans | $332,049,500 | 1,280 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0137% | 1,750 |
| Cost of funding earning assets | 1.2863% | 558 |
| Net interest margin | 3.7274% | 3,694 |
| Noninterest income to average assets | 0.5353% | 3,684 |
| Noninterest expense to average assets | 3.1186% | 2,865 |
| Loan and lease loss provision to assets | 0.2628% | 2,475 |
| Net operating income to assets | 0.4543% | 5,019 |
| Return on assets (ROA) | 0.4543% | 5,256 |
| Pretax return on assets | 0.4543% | 5,567 |
| Return on Equity (ROE) | 5.4452% | 4,609 |
| Retained earnings to average equity (ytd only) | 5.4452% | 3,019 |
| Net charge-offs to loans | -0.1429% | 6,933 |
| Credit loss provision to net charge-offs | -247.9339% | 6,180 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.3042% | 1,987 |
| Assets per employee ($millions) | 5.0511% | 2,106 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0599% | 2,084 |
| Loan loss allowance to noncurrent loans | 44.2714% | 5,433 |
| Noncurrent assets plus other real estate owned to assets | 5.5950% | 789 |
| Noncurrent loans to loans | 4.6529% | 1,116 |
| Net loans and leases to total assets | 67.4829% | 2,376 |
| Net loans and leases to deposits | 80.1370% | 2,360 |
| Net loans and leases to core deposits | 112.0514% | 507 |
| Total domestic deposits to total assets | 84.2095% | 4,229 |
| Equity capital to assets | 8.1312% | 6,501 |
| Core capital (leverage) ratio | 8.4365% | 5,734 |
| Tier 1 risk-based capital ratio | 12.2411% | 5,758 |
| Total risk-based capital ratio | 13.5021% | 5,731 |
| Memoranda: | ||
| Average total assets | $456,547,000 | 1,458 |
| Average earning assets | $404,254,000 | 1,506 |
| Average equity | $38,088,670 | 1,835 |
| Average total loans | $338,759,330 | 1,261 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2141% | 1,285 |
| Cost of funding earning assets | 1.3253% | 570 |
| Net interest margin | 3.8888% | 2,974 |
| Noninterest income to average assets | 0.5150% | 3,815 |
| Noninterest expense to average assets | 3.2167% | 2,547 |
| Loan and lease loss provision to assets | 0.2682% | 2,310 |
| Net operating income to assets | 0.4640% | 4,982 |
| Return on assets (ROA) | 0.4640% | 5,179 |
| Pretax return on assets | 0.4640% | 5,542 |
| Return on Equity (ROE) | 5.4878% | 4,551 |
| Retained earnings to average equity (ytd only) | 5.4878% | 3,266 |
| Net charge-offs to loans | 0.2879% | 2,520 |
| Credit loss provision to net charge-offs | 120.9677% | 1,972 |
| Earnings coverage of net charge-offs (x) | 3.3024% | 2,888 |
| Efficiency ratio | 81.4580% | 2,014 |
| Assets per employee ($millions) | 4.7572% | 2,578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7430% | 3,185 |
| Loan loss allowance to noncurrent loans | 31.5446% | 6,094 |
| Noncurrent assets plus other real estate owned to assets | 6.7086% | 659 |
| Noncurrent loans to loans | 5.5254% | 963 |
| Net loans and leases to total assets | 73.4330% | 1,146 |
| Net loans and leases to deposits | 87.7531% | 1,201 |
| Net loans and leases to core deposits | 118.1216% | 339 |
| Total domestic deposits to total assets | 83.6815% | 4,643 |
| Equity capital to assets | 8.3401% | 6,233 |
| Core capital (leverage) ratio | 8.5362% | 5,530 |
| Tier 1 risk-based capital ratio | 11.5777% | 6,237 |
| Total risk-based capital ratio | 12.8349% | 6,209 |
| Memoranda: | ||
| Average total assets | $447,419,000 | 1,487 |
| Average earning assets | $395,079,500 | 1,538 |
| Average equity | $37,829,500 | 1,841 |
| Average total loans | $344,564,000 | 1,222 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4930% | 1,181 |
| Cost of funding earning assets | 1.6451% | 401 |
| Net interest margin | 3.8479% | 3,579 |
| Noninterest income to average assets | 0.5754% | 3,326 |
| Noninterest expense to average assets | 3.3297% | 2,422 |
| Loan and lease loss provision to assets | 0.4099% | 2,541 |
| Net operating income to assets | 0.2245% | 5,506 |
| Return on assets (ROA) | 0.2245% | 5,650 |
| Pretax return on assets | 0.2245% | 5,727 |
| Return on Equity (ROE) | 2.6368% | 5,424 |
| Retained earnings to average equity (ytd only) | 0.4359% | 5,628 |
| Net charge-offs to loans | 0.9496% | 1,828 |
| Credit loss provision to net charge-offs | 53.2229% | 5,342 |
| Earnings coverage of net charge-offs (x) | 0.8238% | 5,184 |
| Efficiency ratio | 82.6229% | 1,935 |
| Assets per employee ($millions) | 4.6611% | 2,668 |
| Cash dividends to net income (ytd only)* | 83.4686% | 683 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6954% | 3,218 |
| Loan loss allowance to noncurrent loans | 33.2563% | 5,986 |
| Noncurrent assets plus other real estate owned to assets | 6.7690% | 686 |
| Noncurrent loans to loans | 5.0981% | 1,100 |
| Net loans and leases to total assets | 78.0378% | 703 |
| Net loans and leases to deposits | 93.8708% | 820 |
| Net loans and leases to core deposits | 123.7382% | 301 |
| Total domestic deposits to total assets | 83.1331% | 4,694 |
| Equity capital to assets | 8.5748% | 6,048 |
| Core capital (leverage) ratio | 8.5960% | 5,405 |
| Tier 1 risk-based capital ratio | 11.2067% | 6,346 |
| Total risk-based capital ratio | 12.4630% | 6,316 |
| Memoranda: | ||
| Average total assets | $439,140,800 | 1,487 |
| Average earning assets | $386,729,400 | 1,536 |
| Average equity | $37,393,400 | 1,797 |
| Average total loans | $356,139,200 | 1,191 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4965% | 1,256 |
| Cost of funding earning assets | 1.7358% | 342 |
| Net interest margin | 3.7607% | 4,055 |
| Noninterest income to average assets | 0.5292% | 3,660 |
| Noninterest expense to average assets | 3.2811% | 2,554 |
| Loan and lease loss provision to assets | 0.2731% | 3,323 |
| Net operating income to assets | 0.2877% | 5,437 |
| Return on assets (ROA) | 0.2877% | 5,611 |
| Pretax return on assets | 0.2877% | 5,729 |
| Return on Equity (ROE) | 3.3842% | 5,278 |
| Retained earnings to average equity (ytd only) | 0.4462% | 5,813 |
| Net charge-offs to loans | 0.6361% | 2,339 |
| Credit loss provision to net charge-offs | 52.6624% | 4,978 |
| Earnings coverage of net charge-offs (x) | 1.0813% | 4,821 |
| Efficiency ratio | 83.5637% | 1,778 |
| Assets per employee ($millions) | 4.6820% | 2,644 |
| Cash dividends to net income (ytd only)* | 86.8146% | 489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9209% | 2,556 |
| Loan loss allowance to noncurrent loans | 34.9507% | 5,964 |
| Noncurrent assets plus other real estate owned to assets | 6.6627% | 761 |
| Noncurrent loans to loans | 5.4961% | 1,080 |
| Net loans and leases to total assets | 75.7688% | 1,010 |
| Net loans and leases to deposits | 89.0360% | 1,320 |
| Net loans and leases to core deposits | 115.9688% | 498 |
| Total domestic deposits to total assets | 85.0990% | 3,725 |
| Equity capital to assets | 8.3502% | 6,445 |
| Core capital (leverage) ratio | 8.7819% | 5,292 |
| Tier 1 risk-based capital ratio | 11.4041% | 6,296 |
| Total risk-based capital ratio | 12.6635% | 6,289 |
| Memoranda: | ||
| Average total assets | $439,390,250 | 1,496 |
| Average earning assets | $387,049,500 | 1,538 |
| Average equity | $37,349,250 | 1,806 |
| Average total loans | $358,220,500 | 1,198 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6392% | 992 |
| Cost of funding earning assets | 1.9112% | 196 |
| Net interest margin | 3.7280% | 4,131 |
| Noninterest income to average assets | 0.5000% | 3,851 |
| Noninterest expense to average assets | 3.3562% | 2,382 |
| Loan and lease loss provision to assets | 0.2752% | 3,181 |
| Net operating income to assets | 0.1468% | 5,894 |
| Return on assets (ROA) | 0.1468% | 5,987 |
| Pretax return on assets | 0.1468% | 6,026 |
| Return on Equity (ROE) | 1.7164% | 5,885 |
| Retained earnings to average equity (ytd only) | -2.6979% | 6,333 |
| Net charge-offs to loans | 0.6742% | 2,150 |
| Credit loss provision to net charge-offs | 49.1803% | 4,603 |
| Earnings coverage of net charge-offs (x) | 0.7541% | 4,736 |
| Efficiency ratio | 88.8309% | 1,340 |
| Assets per employee ($millions) | 4.0265% | 3,701 |
| Cash dividends to net income (ytd only)* | 257.1875% | 62 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9780% | 2,430 |
| Loan loss allowance to noncurrent loans | 39.5810% | 5,687 |
| Noncurrent assets plus other real estate owned to assets | 5.8800% | 962 |
| Noncurrent loans to loans | 4.9974% | 1,306 |
| Net loans and leases to total assets | 78.8942% | 663 |
| Net loans and leases to deposits | 92.3168% | 1,016 |
| Net loans and leases to core deposits | 113.1223% | 609 |
| Total domestic deposits to total assets | 85.4603% | 3,642 |
| Equity capital to assets | 8.5657% | 6,109 |
| Core capital (leverage) ratio | 8.4145% | 5,687 |
| Tier 1 risk-based capital ratio | 11.0840% | 6,456 |
| Total risk-based capital ratio | 12.3443% | 6,445 |
| Memoranda: | ||
| Average total assets | $436,029,000 | 1,517 |
| Average earning assets | $383,421,330 | 1,567 |
| Average equity | $37,288,330 | 1,797 |
| Average total loans | $361,883,670 | 1,197 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0062% | 463 |
| Cost of funding earning assets | 1.9179% | 231 |
| Net interest margin | 4.0882% | 2,313 |
| Noninterest income to average assets | 0.4897% | 3,971 |
| Noninterest expense to average assets | 3.3432% | 2,432 |
| Loan and lease loss provision to assets | 0.2736% | 2,966 |
| Net operating income to assets | 0.5079% | 4,461 |
| Return on assets (ROA) | 0.5079% | 4,542 |
| Pretax return on assets | 0.5079% | 5,002 |
| Return on Equity (ROE) | 5.9444% | 3,936 |
| Retained earnings to average equity (ytd only) | 1.5581% | 5,181 |
| Net charge-offs to loans | 0.2685% | 2,995 |
| Credit loss provision to net charge-offs | 120.9677% | 2,259 |
| Earnings coverage of net charge-offs (x) | 3.4556% | 2,737 |
| Efficiency ratio | 81.0524% | 2,360 |
| Assets per employee ($millions) | 4.3087% | 3,227 |
| Cash dividends to net income (ytd only)* | 73.7882% | 951 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0855% | 2,217 |
| Loan loss allowance to noncurrent loans | 73.8504% | 3,756 |
| Noncurrent assets plus other real estate owned to assets | 4.1470% | 1,594 |
| Noncurrent loans to loans | 2.8240% | 2,674 |
| Net loans and leases to total assets | 81.2586% | 420 |
| Net loans and leases to deposits | 96.6220% | 650 |
| Net loans and leases to core deposits | 120.7985% | 401 |
| Total domestic deposits to total assets | 84.0995% | 4,453 |
| Equity capital to assets | 8.6295% | 5,741 |
| Core capital (leverage) ratio | 8.3081% | 5,792 |
| Tier 1 risk-based capital ratio | 10.8204% | 6,628 |
| Total risk-based capital ratio | 12.0821% | 6,601 |
| Memoranda: | ||
| Average total assets | $438,626,500 | 1,518 |
| Average earning assets | $390,000,000 | 1,554 |
| Average equity | $37,480,500 | 1,775 |
| Average total loans | $369,444,500 | 1,192 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3235% | 443 |
| Cost of funding earning assets | 2.1514% | 357 |
| Net interest margin | 4.1721% | 2,287 |
| Noninterest income to average assets | 0.6284% | 3,297 |
| Noninterest expense to average assets | 3.5598% | 2,034 |
| Loan and lease loss provision to assets | 1.8891% | 721 |
| Net operating income to assets | -1.1446% | 6,762 |
| Return on assets (ROA) | -1.1446% | 6,782 |
| Pretax return on assets | -1.1446% | 6,716 |
| Return on Equity (ROE) | -11.7841% | 6,806 |
| Retained earnings to average equity (ytd only) | -12.4403% | 6,776 |
| Net charge-offs to loans | 1.2138% | 1,846 |
| Credit loss provision to net charge-offs | 178.4541% | 1,858 |
| Earnings coverage of net charge-offs (x) | 0.7033% | 5,406 |
| Efficiency ratio | 82.5471% | 2,099 |
| Assets per employee ($millions) | 4.2920% | 3,224 |
| Cash dividends to net income (ytd only)* | -5.5691% | 7,465 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9800% | 2,355 |
| Loan loss allowance to noncurrent loans | 52.0967% | 4,883 |
| Noncurrent assets plus other real estate owned to assets | 4.1278% | 1,635 |
| Noncurrent loans to loans | 3.8005% | 1,944 |
| Net loans and leases to total assets | 83.7547% | 326 |
| Net loans and leases to deposits | 99.2537% | 621 |
| Net loans and leases to core deposits | 156.6346% | 155 |
| Total domestic deposits to total assets | 84.3844% | 4,184 |
| Equity capital to assets | 8.4617% | 5,904 |
| Core capital (leverage) ratio | 8.3007% | 5,688 |
| Tier 1 risk-based capital ratio | 10.4248% | 6,743 |
| Total risk-based capital ratio | 11.6853% | 6,719 |
| Memoranda: | ||
| Average total assets | $431,432,800 | 1,548 |
| Average earning assets | $380,124,600 | 1,585 |
| Average equity | $41,904,000 | 1,578 |
| Average total loans | $376,268,400 | 1,205 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5195% | 326 |
| Cost of funding earning assets | 2.1941% | 392 |
| Net interest margin | 4.3255% | 1,756 |
| Noninterest income to average assets | 0.5815% | 3,571 |
| Noninterest expense to average assets | 3.5409% | 1,934 |
| Loan and lease loss provision to assets | 0.6686% | 2,290 |
| Net operating income to assets | 0.1704% | 5,587 |
| Return on assets (ROA) | 0.1704% | 5,748 |
| Pretax return on assets | 0.1704% | 5,795 |
| Return on Equity (ROE) | 1.6981% | 5,704 |
| Retained earnings to average equity (ytd only) | 0.8459% | 5,467 |
| Net charge-offs to loans | 0.5494% | 3,105 |
| Credit loss provision to net charge-offs | 138.7992% | 2,874 |
| Earnings coverage of net charge-offs (x) | 1.7418% | 4,406 |
| Efficiency ratio | 80.6390% | 2,261 |
| Assets per employee ($millions) | 4.1803% | 3,484 |
| Cash dividends to net income (ytd only)* | 50.1827% | 1,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1608% | 5,660 |
| Loan loss allowance to noncurrent loans | 30.7950% | 6,289 |
| Noncurrent assets plus other real estate owned to assets | 4.4408% | 1,528 |
| Noncurrent loans to loans | 3.7693% | 2,047 |
| Net loans and leases to total assets | 87.2398% | 133 |
| Net loans and leases to deposits | 105.4167% | 384 |
| Net loans and leases to core deposits | 169.6405% | 123 |
| Total domestic deposits to total assets | 82.7571% | 4,696 |
| Equity capital to assets | 9.7717% | 4,451 |
| Core capital (leverage) ratio | 9.6623% | 3,672 |
| Tier 1 risk-based capital ratio | 11.5792% | 5,852 |
| Total risk-based capital ratio | 12.8001% | 5,871 |
| Memoranda: | ||
| Average total assets | $428,773,000 | 1,575 |
| Average earning assets | $376,520,750 | 1,619 |
| Average equity | $43,028,250 | 1,548 |
| Average total loans | $375,901,750 | 1,213 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5602% | 309 |
| Cost of funding earning assets | 2.2132% | 444 |
| Net interest margin | 4.3470% | 1,605 |
| Noninterest income to average assets | 0.5111% | 4,021 |
| Noninterest expense to average assets | 3.5083% | 2,008 |
| Loan and lease loss provision to assets | 0.2821% | 4,150 |
| Net operating income to assets | 0.5308% | 4,192 |
| Return on assets (ROA) | 0.5308% | 4,347 |
| Pretax return on assets | 0.5308% | 4,808 |
| Return on Equity (ROE) | 5.2421% | 4,160 |
| Retained earnings to average equity (ytd only) | 3.9653% | 3,554 |
| Net charge-offs to loans | 0.1860% | 4,499 |
| Credit loss provision to net charge-offs | 173.4104% | 2,252 |
| Earnings coverage of net charge-offs (x) | 4.9971% | 2,786 |
| Efficiency ratio | 81.1881% | 2,272 |
| Assets per employee ($millions) | 4.0289% | 3,717 |
| Cash dividends to net income (ytd only)* | 24.3578% | 2,736 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1045% | 5,915 |
| Loan loss allowance to noncurrent loans | 27.8094% | 6,504 |
| Noncurrent assets plus other real estate owned to assets | 4.0130% | 1,719 |
| Noncurrent loans to loans | 3.9718% | 1,918 |
| Net loans and leases to total assets | 84.6108% | 311 |
| Net loans and leases to deposits | 103.5049% | 513 |
| Net loans and leases to core deposits | 198.6825% | 97 |
| Total domestic deposits to total assets | 81.7457% | 5,091 |
| Equity capital to assets | 9.8995% | 4,142 |
| Core capital (leverage) ratio | 10.0368% | 3,125 |
| Tier 1 risk-based capital ratio | 11.8900% | 5,410 |
| Total risk-based capital ratio | 13.0321% | 5,472 |
| Memoranda: | ||
| Average total assets | $425,387,670 | 1,603 |
| Average earning assets | $372,855,670 | 1,656 |
| Average equity | $43,074,000 | 1,543 |
| Average total loans | $372,063,000 | 1,234 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5989% | 309 |
| Cost of funding earning assets | 2.2560% | 489 |
| Net interest margin | 4.3429% | 1,556 |
| Noninterest income to average assets | 0.4263% | 4,694 |
| Noninterest expense to average assets | 3.4561% | 2,088 |
| Loan and lease loss provision to assets | 0.2867% | 3,735 |
| Net operating income to assets | 0.4865% | 4,464 |
| Return on assets (ROA) | 0.4865% | 4,599 |
| Pretax return on assets | 0.4865% | 5,011 |
| Return on Equity (ROE) | 4.7488% | 4,503 |
| Retained earnings to average equity (ytd only) | 4.7488% | 3,295 |
| Net charge-offs to loans | 0.1977% | 3,723 |
| Credit loss provision to net charge-offs | 163.9344% | 2,211 |
| Earnings coverage of net charge-offs (x) | 4.4208% | 2,629 |
| Efficiency ratio | 81.7175% | 2,309 |
| Assets per employee ($millions) | 4.0412% | 3,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0802% | 6,102 |
| Loan loss allowance to noncurrent loans | 31.3859% | 6,320 |
| Noncurrent assets plus other real estate owned to assets | 3.8687% | 1,784 |
| Noncurrent loans to loans | 3.4417% | 2,314 |
| Net loans and leases to total assets | 86.6048% | 184 |
| Net loans and leases to deposits | 108.2416% | 336 |
| Net loans and leases to core deposits | 189.5197% | 112 |
| Total domestic deposits to total assets | 80.0106% | 5,787 |
| Equity capital to assets | 10.1640% | 3,651 |
| Core capital (leverage) ratio | 10.1943% | 2,933 |
| Tier 1 risk-based capital ratio | 11.9026% | 5,300 |
| Total risk-based capital ratio | 13.0170% | 5,370 |
| Memoranda: | ||
| Average total assets | $418,505,500 | 1,663 |
| Average earning assets | $366,486,000 | 1,719 |
| Average equity | $42,874,000 | 1,560 |
| Average total loans | $370,234,500 | 1,281 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7426% | 418 |
| Cost of funding earning assets | 2.8092% | 434 |
| Net interest margin | 3.9334% | 3,149 |
| Noninterest income to average assets | 0.6989% | 2,990 |
| Noninterest expense to average assets | 3.6065% | 2,121 |
| Loan and lease loss provision to assets | 0.3661% | 4,602 |
| Net operating income to assets | 0.1789% | 4,967 |
| Return on assets (ROA) | 0.1789% | 5,035 |
| Pretax return on assets | 0.1789% | 5,051 |
| Return on Equity (ROE) | 1.9671% | 4,922 |
| Retained earnings to average equity (ytd only) | 1.9671% | 3,725 |
| Net charge-offs to loans | 0.2375% | 5,140 |
| Credit loss provision to net charge-offs | 178.1542% | 2,344 |
| Earnings coverage of net charge-offs (x) | 2.6519% | 3,791 |
| Efficiency ratio | 86.8718% | 2,012 |
| Assets per employee ($millions) | 3.9303% | 3,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0559% | 6,102 |
| Loan loss allowance to noncurrent loans | 32.0843% | 6,314 |
| Noncurrent assets plus other real estate owned to assets | 3.9583% | 1,670 |
| Noncurrent loans to loans | 3.2911% | 2,321 |
| Net loans and leases to total assets | 88.4630% | 153 |
| Net loans and leases to deposits | 113.1951% | 285 |
| Net loans and leases to core deposits | 210.3168% | 81 |
| Total domestic deposits to total assets | 78.1509% | 6,183 |
| Equity capital to assets | 10.3273% | 3,368 |
| Core capital (leverage) ratio | 10.2870% | 2,793 |
| Tier 1 risk-based capital ratio | 11.7998% | 5,113 |
| Total risk-based capital ratio | 12.8853% | 5,217 |
| Memoranda: | ||
| Average total assets | $416,501,600 | 1,658 |
| Average earning assets | $365,586,000 | 1,721 |
| Average equity | $37,873,400 | 1,764 |
| Average total loans | $360,476,000 | 1,343 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7797% | 435 |
| Cost of funding earning assets | 2.9203% | 422 |
| Net interest margin | 3.8594% | 3,390 |
| Noninterest income to average assets | 0.7276% | 2,841 |
| Noninterest expense to average assets | 3.5976% | 2,029 |
| Loan and lease loss provision to assets | 0.4152% | 3,830 |
| Net operating income to assets | 0.0949% | 5,479 |
| Return on assets (ROA) | 0.0949% | 5,534 |
| Pretax return on assets | 0.0949% | 5,540 |
| Return on Equity (ROE) | 1.0794% | 5,468 |
| Retained earnings to average equity (ytd only) | 1.0794% | 4,713 |
| Net charge-offs to loans | 0.2452% | 4,513 |
| Credit loss provision to net charge-offs | 197.2686% | 2,277 |
| Earnings coverage of net charge-offs (x) | 2.4234% | 4,019 |
| Efficiency ratio | 87.5826% | 1,912 |
| Assets per employee ($millions) | 3.8972% | 3,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0949% | 5,759 |
| Loan loss allowance to noncurrent loans | 63.0378% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 2.2933% | 2,986 |
| Noncurrent loans to loans | 1.7368% | 4,026 |
| Net loans and leases to total assets | 86.2101% | 333 |
| Net loans and leases to deposits | 109.2559% | 488 |
| Net loans and leases to core deposits | 197.1084% | 111 |
| Total domestic deposits to total assets | 78.9066% | 5,837 |
| Equity capital to assets | 10.4048% | 3,609 |
| Core capital (leverage) ratio | 10.0966% | 3,179 |
| Tier 1 risk-based capital ratio | 12.1966% | 4,791 |
| Total risk-based capital ratio | 13.3228% | 4,845 |
| Memoranda: | ||
| Average total assets | $417,456,750 | 1,671 |
| Average earning assets | $365,612,000 | 1,737 |
| Average equity | $36,687,000 | 1,853 |
| Average total loans | $358,353,500 | 1,362 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7079% | 533 |
| Cost of funding earning assets | 2.9795% | 501 |
| Net interest margin | 3.7284% | 3,844 |
| Noninterest income to average assets | 0.7563% | 2,670 |
| Noninterest expense to average assets | 3.5876% | 2,101 |
| Loan and lease loss provision to assets | 0.5694% | 2,737 |
| Net operating income to assets | -0.1433% | 6,093 |
| Return on assets (ROA) | -0.1433% | 6,118 |
| Pretax return on assets | -0.1433% | 6,060 |
| Return on Equity (ROE) | -1.7327% | 6,179 |
| Retained earnings to average equity (ytd only) | -1.7327% | 5,678 |
| Net charge-offs to loans | 0.2777% | 3,809 |
| Credit loss provision to net charge-offs | 240.0000% | 1,941 |
| Earnings coverage of net charge-offs (x) | 1.7960% | 4,213 |
| Efficiency ratio | 89.3841% | 1,872 |
| Assets per employee ($millions) | 3.9427% | 3,793 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0965% | 5,629 |
| Loan loss allowance to noncurrent loans | 80.7526% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 1.9905% | 3,209 |
| Noncurrent loans to loans | 1.3579% | 4,496 |
| Net loans and leases to total assets | 84.7529% | 532 |
| Net loans and leases to deposits | 106.3302% | 746 |
| Net loans and leases to core deposits | 207.6285% | 98 |
| Total domestic deposits to total assets | 79.7073% | 5,560 |
| Equity capital to assets | 9.9472% | 4,021 |
| Core capital (leverage) ratio | 9.8334% | 3,475 |
| Tier 1 risk-based capital ratio | 11.8418% | 5,057 |
| Total risk-based capital ratio | 12.9677% | 5,108 |
| Memoranda: | ||
| Average total assets | $421,505,000 | 1,683 |
| Average earning assets | $368,254,000 | 1,744 |
| Average equity | $34,858,670 | 1,946 |
| Average total loans | $360,042,000 | 1,389 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7708% | 509 |
| Cost of funding earning assets | 3.0757% | 494 |
| Net interest margin | 3.6950% | 3,908 |
| Noninterest income to average assets | 0.4904% | 4,406 |
| Noninterest expense to average assets | 3.2583% | 2,768 |
| Loan and lease loss provision to assets | 1.1340% | 1,149 |
| Net operating income to assets | -0.7049% | 7,062 |
| Return on assets (ROA) | -0.7049% | 7,101 |
| Pretax return on assets | -0.7049% | 6,971 |
| Return on Equity (ROE) | -9.4724% | 7,328 |
| Retained earnings to average equity (ytd only) | -9.4724% | 7,055 |
| Net charge-offs to loans | 0.3258% | 2,787 |
| Credit loss provision to net charge-offs | 408.1633% | 1,284 |
| Earnings coverage of net charge-offs (x) | 1.5442% | 3,953 |
| Efficiency ratio | 88.3649% | 1,866 |
| Assets per employee ($millions) | 4.2586% | 3,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1434% | 5,168 |
| Loan loss allowance to noncurrent loans | 70.3609% | 4,082 |
| Noncurrent assets plus other real estate owned to assets | 2.5064% | 2,296 |
| Noncurrent loans to loans | 1.6250% | 3,838 |
| Net loans and leases to total assets | 84.7594% | 585 |
| Net loans and leases to deposits | 103.1918% | 1,070 |
| Net loans and leases to core deposits | 190.9583% | 175 |
| Total domestic deposits to total assets | 82.1377% | 4,495 |
| Equity capital to assets | 7.3836% | 7,432 |
| Core capital (leverage) ratio | 7.3169% | 7,363 |
| Tier 1 risk-based capital ratio | 8.8809% | 7,852 |
| Total risk-based capital ratio | 10.0705% | 7,922 |
| Memoranda: | ||
| Average total assets | $423,293,500 | 1,686 |
| Average earning assets | $366,220,500 | 1,763 |
| Average equity | $31,502,000 | 2,153 |
| Average total loans | $360,996,500 | 1,396 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.6660% | 301 |
| Cost of funding earning assets | 3.4743% | 564 |
| Net interest margin | 4.1917% | 2,343 |
| Noninterest income to average assets | 0.2756% | 6,489 |
| Noninterest expense to average assets | 3.2300% | 3,226 |
| Loan and lease loss provision to assets | 0.2286% | 4,606 |
| Net operating income to assets | 0.4884% | 4,793 |
| Return on assets (ROA) | 0.4884% | 4,616 |
| Pretax return on assets | 0.4884% | 5,006 |
| Return on Equity (ROE) | 6.2253% | 3,851 |
| Retained earnings to average equity (ytd only) | 6.2253% | 1,418 |
| Net charge-offs to loans | 0.0949% | 5,378 |
| Credit loss provision to net charge-offs | 273.5562% | 1,679 |
| Earnings coverage of net charge-offs (x) | 8.5805% | 2,856 |
| Efficiency ratio | 81.8340% | 2,321 |
| Assets per employee ($millions) | 4.2078% | 3,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8951% | 6,704 |
| Loan loss allowance to noncurrent loans | 77.6468% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 2.0749% | 2,374 |
| Noncurrent loans to loans | 1.1528% | 4,228 |
| Net loans and leases to total assets | 84.0702% | 873 |
| Net loans and leases to deposits | 104.3332% | 1,309 |
| Net loans and leases to core deposits | 186.7367% | 231 |
| Total domestic deposits to total assets | 80.5786% | 4,812 |
| Equity capital to assets | 7.5002% | 7,377 |
| Core capital (leverage) ratio | 7.5819% | 7,097 |
| Tier 1 risk-based capital ratio | 9.1039% | 7,714 |
| Total risk-based capital ratio | 10.0334% | 7,981 |
| Memoranda: | ||
| Average total assets | $393,715,200 | 1,721 |
| Average earning assets | $344,845,800 | 1,797 |
| Average equity | $30,890,000 | 2,183 |
| Average total loans | $346,652,800 | 1,399 |