Home > Pacific Commerce Bank > Performance and Condition Ratios
Pacific Commerce Bank, 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 | 5.2997% | 472 |
| Cost of funding earning assets | 0.3374% | 4,152 |
| Net interest margin | 4.9623% | 264 |
| Noninterest income to average assets | 0.6514% | 2,086 |
| Noninterest expense to average assets | 3.3173% | 1,277 |
| Loan and lease loss provision to assets | 0.2323% | 689 |
| Net operating income to assets | 1.2179% | 2,111 |
| Return on assets (ROA) | 1.2179% | 2,106 |
| Pretax return on assets | 1.7768% | 1,015 |
| Return on Equity (ROE) | 9.4489% | 2,829 |
| Retained earnings to average equity (ytd only) | 9.4489% | 1,084 |
| Net charge-offs to loans | -0.0014% | 3,918 |
| Credit loss provision to net charge-offs | -21,333.3333% | 4,844 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5521% | 3,685 |
| Assets per employee ($millions) | 6.9919% | 923 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1029% | 3,240 |
| Loan loss allowance to noncurrent loans | 676.9585% | 852 |
| Noncurrent assets plus other real estate owned to assets | 0.1179% | 4,403 |
| Noncurrent loans to loans | 0.1629% | 4,174 |
| Net loans and leases to total assets | 71.5442% | 2,350 |
| Net loans and leases to deposits | 82.7149% | 2,691 |
| Net loans and leases to core deposits | 99.0779% | 1,811 |
| Total domestic deposits to total assets | 86.4950% | 2,057 |
| Equity capital to assets | 13.1923% | 1,228 |
| Core capital (leverage) ratio | 11.5890% | 1,992 |
| Tier 1 risk-based capital ratio | 14.4614% | 3,136 |
| Total risk-based capital ratio | 15.4994% | 3,155 |
| Memoranda: | ||
| Average total assets | $551,103,000 | 1,292 |
| Average earning assets | $519,198,670 | 1,275 |
| Average equity | $71,034,670 | 1,144 |
| Average total loans | $417,690,000 | 1,214 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4445% | 307 |
| Cost of funding earning assets | 0.3170% | 4,217 |
| Net interest margin | 5.1275% | 182 |
| Noninterest income to average assets | 0.5988% | 2,266 |
| Noninterest expense to average assets | 3.2975% | 1,350 |
| Loan and lease loss provision to assets | 0.5268% | 196 |
| Net operating income to assets | 1.1227% | 2,323 |
| Return on assets (ROA) | 1.1227% | 2,341 |
| Pretax return on assets | 1.6044% | 1,385 |
| Return on Equity (ROE) | 8.8138% | 2,998 |
| Retained earnings to average equity (ytd only) | 8.8138% | 1,531 |
| Net charge-offs to loans | -0.0028% | 3,861 |
| Credit loss provision to net charge-offs | -24,166.6667% | 4,545 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.0321% | 4,065 |
| Assets per employee ($millions) | 6.7312% | 1,073 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0682% | 3,559 |
| Loan loss allowance to noncurrent loans | 672.4551% | 849 |
| Noncurrent assets plus other real estate owned to assets | 0.1181% | 4,503 |
| Noncurrent loans to loans | 0.1589% | 4,264 |
| Net loans and leases to total assets | 73.5781% | 1,930 |
| Net loans and leases to deposits | 84.4376% | 2,345 |
| Net loans and leases to core deposits | 95.8905% | 1,985 |
| Total domestic deposits to total assets | 87.1390% | 2,069 |
| Equity capital to assets | 12.5476% | 1,456 |
| Core capital (leverage) ratio | 11.2203% | 2,229 |
| Tier 1 risk-based capital ratio | 13.1674% | 3,869 |
| Total risk-based capital ratio | 14.1648% | 3,887 |
| Memoranda: | ||
| Average total assets | $550,475,000 | 1,301 |
| Average earning assets | $518,538,500 | 1,288 |
| Average equity | $70,117,500 | 1,170 |
| Average total loans | $426,741,000 | 1,199 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8322% | 916 |
| Cost of funding earning assets | 0.2421% | 4,629 |
| Net interest margin | 4.5901% | 511 |
| Noninterest income to average assets | 0.6138% | 2,388 |
| Noninterest expense to average assets | 2.9842% | 2,205 |
| Loan and lease loss provision to assets | 0.0561% | 3,108 |
| Net operating income to assets | 0.9298% | 2,550 |
| Return on assets (ROA) | 0.9298% | 2,579 |
| Pretax return on assets | 1.8775% | 635 |
| Return on Equity (ROE) | 7.4488% | 3,060 |
| Retained earnings to average equity (ytd only) | 7.4488% | 939 |
| Net charge-offs to loans | -0.0064% | 4,691 |
| Credit loss provision to net charge-offs | -1,111.1111% | 5,080 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8297% | 4,293 |
| Assets per employee ($millions) | 6.3004% | 1,315 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8691% | 4,599 |
| Loan loss allowance to noncurrent loans | 434.0254% | 1,246 |
| Noncurrent assets plus other real estate owned to assets | 0.1619% | 4,335 |
| Noncurrent loans to loans | 0.2002% | 4,109 |
| Net loans and leases to total assets | 80.1452% | 939 |
| Net loans and leases to deposits | 92.3840% | 1,473 |
| Net loans and leases to core deposits | 105.6344% | 1,284 |
| Total domestic deposits to total assets | 86.7523% | 2,112 |
| Equity capital to assets | 12.9383% | 1,295 |
| Core capital (leverage) ratio | 11.0979% | 2,249 |
| Tier 1 risk-based capital ratio | 13.0111% | 3,897 |
| Total risk-based capital ratio | 13.8623% | 4,028 |
| Memoranda: | ||
| Average total assets | $534,857,600 | 1,315 |
| Average earning assets | $501,515,000 | 1,294 |
| Average equity | $66,762,800 | 1,197 |
| Average total loans | $422,705,200 | 1,179 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8103% | 909 |
| Cost of funding earning assets | 0.2301% | 4,743 |
| Net interest margin | 4.5802% | 509 |
| Noninterest income to average assets | 0.5700% | 2,627 |
| Noninterest expense to average assets | 2.9542% | 2,237 |
| Loan and lease loss provision to assets | 0.0249% | 3,642 |
| Net operating income to assets | 1.1037% | 2,073 |
| Return on assets (ROA) | 1.1037% | 2,122 |
| Pretax return on assets | 1.8844% | 714 |
| Return on Equity (ROE) | 8.9235% | 2,647 |
| Retained earnings to average equity (ytd only) | 8.9235% | 869 |
| Net charge-offs to loans | -0.0079% | 4,569 |
| Credit loss provision to net charge-offs | -400.0000% | 4,753 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8800% | 4,242 |
| Assets per employee ($millions) | 6.8090% | 1,027 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8386% | 4,794 |
| Loan loss allowance to noncurrent loans | 3,870.6522% | 203 |
| Noncurrent assets plus other real estate owned to assets | 0.0171% | 5,169 |
| Noncurrent loans to loans | 0.0217% | 5,029 |
| Net loans and leases to total assets | 78.2764% | 1,232 |
| Net loans and leases to deposits | 90.0946% | 1,799 |
| Net loans and leases to core deposits | 101.7415% | 1,567 |
| Total domestic deposits to total assets | 86.8825% | 1,914 |
| Equity capital to assets | 12.7529% | 1,512 |
| Core capital (leverage) ratio | 11.2339% | 2,237 |
| Tier 1 risk-based capital ratio | 13.2354% | 3,857 |
| Total risk-based capital ratio | 14.0640% | 4,037 |
| Memoranda: | ||
| Average total assets | $534,688,750 | 1,326 |
| Average earning assets | $501,221,750 | 1,304 |
| Average equity | $66,131,250 | 1,211 |
| Average total loans | $420,139,750 | 1,190 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7693% | 921 |
| Cost of funding earning assets | 0.2186% | 4,813 |
| Net interest margin | 4.5507% | 514 |
| Noninterest income to average assets | 0.5697% | 2,607 |
| Noninterest expense to average assets | 2.9662% | 2,209 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0970% | 1,993 |
| Return on assets (ROA) | 1.0970% | 2,049 |
| Pretax return on assets | 1.8714% | 709 |
| Return on Equity (ROE) | 8.9636% | 2,526 |
| Retained earnings to average equity (ytd only) | 8.9636% | 853 |
| Net charge-offs to loans | -0.0110% | 4,571 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.4556% | 4,253 |
| Assets per employee ($millions) | 7.1147% | 883 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8482% | 4,822 |
| Loan loss allowance to noncurrent loans | 3,603.1250% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0182% | 5,214 |
| Noncurrent loans to loans | 0.0235% | 5,068 |
| Net loans and leases to total assets | 76.8007% | 1,416 |
| Net loans and leases to deposits | 88.3365% | 1,947 |
| Net loans and leases to core deposits | 98.8491% | 1,743 |
| Total domestic deposits to total assets | 86.9411% | 1,977 |
| Equity capital to assets | 12.7140% | 1,518 |
| Core capital (leverage) ratio | 10.6833% | 2,720 |
| Tier 1 risk-based capital ratio | 13.0178% | 3,985 |
| Total risk-based capital ratio | 13.8354% | 4,155 |
| Memoranda: | ||
| Average total assets | $533,615,330 | 1,336 |
| Average earning assets | $500,449,000 | 1,316 |
| Average equity | $65,308,670 | 1,227 |
| Average total loans | $418,647,330 | 1,195 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7602% | 815 |
| Cost of funding earning assets | 0.2048% | 4,936 |
| Net interest margin | 4.5554% | 471 |
| Noninterest income to average assets | 0.5123% | 2,898 |
| Noninterest expense to average assets | 2.9420% | 2,325 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0812% | 1,941 |
| Return on assets (ROA) | 1.0812% | 1,984 |
| Pretax return on assets | 1.8430% | 733 |
| Return on Equity (ROE) | 9.0055% | 2,423 |
| Retained earnings to average equity (ytd only) | 9.0055% | 1,083 |
| Net charge-offs to loans | -0.0179% | 4,682 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.6131% | 4,383 |
| Assets per employee ($millions) | 6.6895% | 1,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8134% | 5,031 |
| Loan loss allowance to noncurrent loans | 2,720.4724% | 270 |
| Noncurrent assets plus other real estate owned to assets | 0.0237% | 5,233 |
| Noncurrent loans to loans | 0.0299% | 5,092 |
| Net loans and leases to total assets | 78.7217% | 1,024 |
| Net loans and leases to deposits | 89.9982% | 1,529 |
| Net loans and leases to core deposits | 100.9322% | 1,444 |
| Total domestic deposits to total assets | 87.4703% | 1,999 |
| Equity capital to assets | 12.2022% | 1,707 |
| Core capital (leverage) ratio | 10.6150% | 2,774 |
| Tier 1 risk-based capital ratio | 12.1900% | 4,590 |
| Total risk-based capital ratio | 12.9804% | 4,795 |
| Memoranda: | ||
| Average total assets | $537,178,000 | 1,327 |
| Average earning assets | $503,844,000 | 1,307 |
| Average equity | $64,494,000 | 1,236 |
| Average total loans | $424,067,500 | 1,192 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8878% | 757 |
| Cost of funding earning assets | 0.2493% | 4,573 |
| Net interest margin | 4.6386% | 472 |
| Noninterest income to average assets | 0.6550% | 2,397 |
| Noninterest expense to average assets | 3.5109% | 1,148 |
| Loan and lease loss provision to assets | 0.0530% | 3,325 |
| Net operating income to assets | 0.8214% | 3,199 |
| Return on assets (ROA) | 0.8214% | 3,301 |
| Pretax return on assets | 1.4391% | 1,784 |
| Return on Equity (ROE) | 7.1615% | 3,386 |
| Retained earnings to average equity (ytd only) | 7.1615% | 1,163 |
| Net charge-offs to loans | -0.0310% | 5,261 |
| Credit loss provision to net charge-offs | -208.3333% | 5,013 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4596% | 3,000 |
| Assets per employee ($millions) | 6.8253% | 996 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8463% | 4,968 |
| Loan loss allowance to noncurrent loans | 2,634.5588% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0252% | 5,288 |
| Noncurrent loans to loans | 0.0321% | 5,137 |
| Net loans and leases to total assets | 77.8586% | 1,213 |
| Net loans and leases to deposits | 91.5728% | 1,504 |
| Net loans and leases to core deposits | 103.3478% | 1,337 |
| Total domestic deposits to total assets | 85.0237% | 3,033 |
| Equity capital to assets | 11.8115% | 1,928 |
| Core capital (leverage) ratio | 9.8673% | 3,669 |
| Tier 1 risk-based capital ratio | 12.0392% | 4,702 |
| Total risk-based capital ratio | 12.8713% | 4,884 |
| Memoranda: | ||
| Average total assets | $471,618,800 | 1,448 |
| Average earning assets | $442,077,800 | 1,439 |
| Average equity | $54,095,000 | 1,423 |
| Average total loans | $387,273,200 | 1,231 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8110% | 877 |
| Cost of funding earning assets | 0.2502% | 4,601 |
| Net interest margin | 4.5608% | 542 |
| Noninterest income to average assets | 0.6759% | 2,282 |
| Noninterest expense to average assets | 3.6563% | 913 |
| Loan and lease loss provision to assets | 0.0733% | 2,749 |
| Net operating income to assets | 0.6717% | 3,998 |
| Return on assets (ROA) | 0.6717% | 4,119 |
| Pretax return on assets | 1.2227% | 2,739 |
| Return on Equity (ROE) | 5.9086% | 4,112 |
| Retained earnings to average equity (ytd only) | 5.9086% | 2,231 |
| Net charge-offs to loans | -0.0412% | 5,298 |
| Credit loss provision to net charge-offs | -213.6752% | 4,881 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.0847% | 2,427 |
| Assets per employee ($millions) | 6.9849% | 897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7902% | 5,212 |
| Loan loss allowance to noncurrent loans | 2,459.8592% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.0257% | 5,400 |
| Noncurrent loans to loans | 0.0321% | 5,252 |
| Net loans and leases to total assets | 79.4778% | 970 |
| Net loans and leases to deposits | 91.5380% | 1,563 |
| Net loans and leases to core deposits | 106.1356% | 1,175 |
| Total domestic deposits to total assets | 86.8248% | 1,979 |
| Equity capital to assets | 11.2549% | 2,739 |
| Core capital (leverage) ratio | 9.7085% | 3,929 |
| Tier 1 risk-based capital ratio | 11.3432% | 5,181 |
| Total risk-based capital ratio | 12.1443% | 5,340 |
| Memoranda: | ||
| Average total assets | $454,724,250 | 1,497 |
| Average earning assets | $426,372,500 | 1,481 |
| Average equity | $51,697,000 | 1,487 |
| Average total loans | $378,243,000 | 1,246 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3746% | 1,900 |
| Cost of funding earning assets | 0.2384% | 4,771 |
| Net interest margin | 4.1362% | 1,275 |
| Noninterest income to average assets | 0.8069% | 1,683 |
| Noninterest expense to average assets | 3.7750% | 795 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.4584% | 4,841 |
| Return on assets (ROA) | 0.4584% | 4,930 |
| Pretax return on assets | 0.9101% | 3,915 |
| Return on Equity (ROE) | 4.0143% | 4,909 |
| Retained earnings to average equity (ytd only) | 4.0143% | 3,348 |
| Net charge-offs to loans | -0.0650% | 5,465 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7150% | 1,526 |
| Assets per employee ($millions) | 6.9324% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6968% | 5,530 |
| Loan loss allowance to noncurrent loans | 4,027.8481% | 182 |
| Noncurrent assets plus other real estate owned to assets | 0.0142% | 5,556 |
| Noncurrent loans to loans | 0.0173% | 5,408 |
| Net loans and leases to total assets | 81.7666% | 653 |
| Net loans and leases to deposits | 101.0802% | 627 |
| Net loans and leases to core deposits | 118.1302% | 563 |
| Total domestic deposits to total assets | 80.8928% | 4,309 |
| Equity capital to assets | 10.6168% | 3,515 |
| Core capital (leverage) ratio | 11.0040% | 2,426 |
| Tier 1 risk-based capital ratio | 10.3060% | 5,759 |
| Total risk-based capital ratio | 11.0121% | 5,870 |
| Memoranda: | ||
| Average total assets | $422,362,000 | 1,608 |
| Average earning assets | $396,014,670 | 1,588 |
| Average equity | $48,227,330 | 1,573 |
| Average total loans | $356,970,670 | 1,312 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7214% | 1,006 |
| Cost of funding earning assets | 0.2399% | 4,808 |
| Net interest margin | 4.4815% | 629 |
| Noninterest income to average assets | 0.7691% | 1,736 |
| Noninterest expense to average assets | 3.7738% | 809 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.6658% | 3,894 |
| Return on assets (ROA) | 0.6658% | 4,017 |
| Pretax return on assets | 1.2115% | 2,654 |
| Return on Equity (ROE) | 5.5290% | 4,206 |
| Retained earnings to average equity (ytd only) | 5.5290% | 2,623 |
| Net charge-offs to loans | -0.1172% | 5,699 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.7523% | 2,365 |
| Assets per employee ($millions) | 5.2824% | 2,049 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0261% | 4,465 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,696 |
| Noncurrent loans to loans | 0.0000% | 5,543 |
| Net loans and leases to total assets | 84.7446% | 310 |
| Net loans and leases to deposits | 106.2236% | 335 |
| Net loans and leases to core deposits | 113.7524% | 679 |
| Total domestic deposits to total assets | 79.7795% | 4,796 |
| Equity capital to assets | 12.0619% | 1,985 |
| Core capital (leverage) ratio | 11.2246% | 2,206 |
| Tier 1 risk-based capital ratio | 12.6391% | 4,496 |
| Total risk-based capital ratio | 13.6709% | 4,536 |
| Memoranda: | ||
| Average total assets | $356,247,000 | 1,882 |
| Average earning assets | $335,154,500 | 1,854 |
| Average equity | $42,901,000 | 1,733 |
| Average total loans | $307,129,500 | 1,494 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7255% | 1,059 |
| Cost of funding earning assets | 0.2544% | 4,733 |
| Net interest margin | 4.4710% | 692 |
| Noninterest income to average assets | 0.7859% | 1,845 |
| Noninterest expense to average assets | 4.1767% | 553 |
| Loan and lease loss provision to assets | -0.1679% | 5,949 |
| Net operating income to assets | 0.5207% | 4,614 |
| Return on assets (ROA) | 0.5207% | 4,693 |
| Pretax return on assets | 0.9716% | 3,577 |
| Return on Equity (ROE) | 4.5777% | 4,705 |
| Retained earnings to average equity (ytd only) | 3.9874% | 3,192 |
| Net charge-offs to loans | -0.0729% | 5,682 |
| Credit loss provision to net charge-offs | 267.3797% | 1,083 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0334% | 1,271 |
| Assets per employee ($millions) | 5.2730% | 2,036 |
| Cash dividends to net income (ytd only)* | 12.8949% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9997% | 4,620 |
| Loan loss allowance to noncurrent loans | 153,300.0000% | 4 |
| Noncurrent assets plus other real estate owned to assets | 0.0006% | 5,747 |
| Noncurrent loans to loans | 0.0007% | 5,579 |
| Net loans and leases to total assets | 85.9438% | 236 |
| Net loans and leases to deposits | 106.9104% | 332 |
| Net loans and leases to core deposits | 116.3846% | 592 |
| Total domestic deposits to total assets | 80.3886% | 4,644 |
| Equity capital to assets | 12.0227% | 1,936 |
| Core capital (leverage) ratio | 11.3433% | 2,091 |
| Tier 1 risk-based capital ratio | 12.9747% | 4,339 |
| Total risk-based capital ratio | 14.0199% | 4,368 |
| Memoranda: | ||
| Average total assets | $297,867,600 | 2,156 |
| Average earning assets | $279,443,400 | 2,142 |
| Average equity | $33,881,400 | 2,101 |
| Average total loans | $256,616,600 | 1,688 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7982% | 938 |
| Cost of funding earning assets | 0.2599% | 4,774 |
| Net interest margin | 4.5382% | 604 |
| Noninterest income to average assets | 0.6347% | 2,558 |
| Noninterest expense to average assets | 4.3345% | 468 |
| Loan and lease loss provision to assets | -0.2347% | 6,122 |
| Net operating income to assets | 0.4056% | 5,148 |
| Return on assets (ROA) | 0.4056% | 5,238 |
| Pretax return on assets | 0.7891% | 4,368 |
| Return on Equity (ROE) | 3.6302% | 5,169 |
| Retained earnings to average equity (ytd only) | 3.6302% | 3,883 |
| Net charge-offs to loans | -0.0732% | 5,675 |
| Credit loss provision to net charge-offs | 373.1343% | 802 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.8625% | 850 |
| Assets per employee ($millions) | 5.5483% | 1,742 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0391% | 4,530 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 82.0948% | 570 |
| Net loans and leases to deposits | 103.7046% | 460 |
| Net loans and leases to core deposits | 113.5531% | 689 |
| Total domestic deposits to total assets | 79.1621% | 4,936 |
| Equity capital to assets | 10.9451% | 3,086 |
| Core capital (leverage) ratio | 10.0694% | 3,538 |
| Tier 1 risk-based capital ratio | 11.5299% | 5,354 |
| Total risk-based capital ratio | 12.5821% | 5,380 |
| Memoranda: | ||
| Average total assets | $284,012,000 | 2,258 |
| Average earning assets | $266,234,000 | 2,243 |
| Average equity | $31,733,000 | 2,231 |
| Average total loans | $244,096,500 | 1,773 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7333% | 1,011 |
| Cost of funding earning assets | 0.2699% | 4,718 |
| Net interest margin | 4.4635% | 676 |
| Noninterest income to average assets | 0.5310% | 3,162 |
| Noninterest expense to average assets | 4.3743% | 467 |
| Loan and lease loss provision to assets | -0.3814% | 6,253 |
| Net operating income to assets | 0.3952% | 5,153 |
| Return on assets (ROA) | 0.3952% | 5,260 |
| Pretax return on assets | 0.7270% | 4,574 |
| Return on Equity (ROE) | 3.5050% | 5,226 |
| Retained earnings to average equity (ytd only) | 3.5050% | 3,804 |
| Net charge-offs to loans | -0.0638% | 5,633 |
| Credit loss provision to net charge-offs | 684.9315% | 495 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.6782% | 602 |
| Assets per employee ($millions) | 5.5299% | 1,706 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9930% | 4,901 |
| Loan loss allowance to noncurrent loans | 2,288.3721% | 269 |
| Noncurrent assets plus other real estate owned to assets | 0.0370% | 5,717 |
| Noncurrent loans to loans | 0.0434% | 5,576 |
| Net loans and leases to total assets | 84.4804% | 340 |
| Net loans and leases to deposits | 107.3542% | 325 |
| Net loans and leases to core deposits | 117.9235% | 532 |
| Total domestic deposits to total assets | 78.6931% | 5,160 |
| Equity capital to assets | 10.8438% | 3,059 |
| Core capital (leverage) ratio | 10.0055% | 3,594 |
| Tier 1 risk-based capital ratio | 11.2413% | 5,604 |
| Total risk-based capital ratio | 12.2622% | 5,624 |
| Memoranda: | ||
| Average total assets | $262,167,330 | 2,439 |
| Average earning assets | $246,041,670 | 2,410 |
| Average equity | $29,558,000 | 2,372 |
| Average total loans | $228,804,670 | 1,892 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2582% | 2,239 |
| Cost of funding earning assets | 0.2465% | 5,056 |
| Net interest margin | 4.0117% | 1,512 |
| Noninterest income to average assets | 0.3853% | 4,119 |
| Noninterest expense to average assets | 3.5790% | 1,166 |
| Loan and lease loss provision to assets | -0.9130% | 6,379 |
| Net operating income to assets | 0.9751% | 2,366 |
| Return on assets (ROA) | 0.9751% | 2,501 |
| Pretax return on assets | 1.4937% | 1,586 |
| Return on Equity (ROE) | 8.3936% | 2,757 |
| Retained earnings to average equity (ytd only) | 8.3936% | 1,416 |
| Net charge-offs to loans | -0.0720% | 5,707 |
| Credit loss provision to net charge-offs | 1,428.5714% | 264 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0404% | 1,182 |
| Assets per employee ($millions) | 6.2953% | 1,187 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5066% | 2,416 |
| Loan loss allowance to noncurrent loans | 2,190.9774% | 281 |
| Noncurrent assets plus other real estate owned to assets | 0.0604% | 5,692 |
| Noncurrent loans to loans | 0.0688% | 5,497 |
| Net loans and leases to total assets | 86.4607% | 162 |
| Net loans and leases to deposits | 107.1565% | 278 |
| Net loans and leases to core deposits | 117.1164% | 483 |
| Total domestic deposits to total assets | 80.6864% | 4,891 |
| Equity capital to assets | 11.6894% | 2,305 |
| Core capital (leverage) ratio | 11.1453% | 2,272 |
| Tier 1 risk-based capital ratio | 12.1380% | 5,159 |
| Total risk-based capital ratio | 13.3763% | 5,067 |
| Memoranda: | ||
| Average total assets | $219,058,500 | 2,810 |
| Average earning assets | $206,096,000 | 2,771 |
| Average equity | $25,448,000 | 2,706 |
| Average total loans | $194,572,500 | 2,132 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3500% | 2,410 |
| Cost of funding earning assets | 0.2425% | 5,401 |
| Net interest margin | 4.1074% | 1,557 |
| Noninterest income to average assets | 0.4455% | 3,867 |
| Noninterest expense to average assets | 3.7793% | 1,020 |
| Loan and lease loss provision to assets | -0.7543% | 6,475 |
| Net operating income to assets | 0.8769% | 2,988 |
| Return on assets (ROA) | 0.8769% | 3,073 |
| Pretax return on assets | 1.2440% | 2,469 |
| Return on Equity (ROE) | 6.4967% | 3,900 |
| Retained earnings to average equity (ytd only) | 6.4967% | 1,640 |
| Net charge-offs to loans | 0.0739% | 3,434 |
| Credit loss provision to net charge-offs | -1,181.1024% | 5,921 |
| Earnings coverage of net charge-offs (x) | 7.6693% | 2,994 |
| Efficiency ratio | 88.5277% | 947 |
| Assets per employee ($millions) | 6.2223% | 1,232 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7264% | 1,709 |
| Loan loss allowance to noncurrent loans | 1,535.9091% | 428 |
| Noncurrent assets plus other real estate owned to assets | 0.1010% | 5,629 |
| Noncurrent loans to loans | 0.1124% | 5,443 |
| Net loans and leases to total assets | 88.3217% | 104 |
| Net loans and leases to deposits | 116.2028% | 137 |
| Net loans and leases to core deposits | 127.6865% | 274 |
| Total domestic deposits to total assets | 76.0065% | 5,728 |
| Equity capital to assets | 11.5438% | 2,394 |
| Core capital (leverage) ratio | 10.8655% | 2,539 |
| Tier 1 risk-based capital ratio | 11.5191% | 5,649 |
| Total risk-based capital ratio | 12.7749% | 5,568 |
| Memoranda: | ||
| Average total assets | $198,872,800 | 3,015 |
| Average earning assets | $185,127,200 | 2,975 |
| Average equity | $26,844,200 | 2,503 |
| Average total loans | $171,898,000 | 2,305 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3079% | 2,600 |
| Cost of funding earning assets | 0.2417% | 5,489 |
| Net interest margin | 4.0662% | 1,673 |
| Noninterest income to average assets | 0.5302% | 3,320 |
| Noninterest expense to average assets | 3.8492% | 909 |
| Loan and lease loss provision to assets | -1.0301% | 6,570 |
| Net operating income to assets | 1.1022% | 2,020 |
| Return on assets (ROA) | 1.1022% | 2,086 |
| Pretax return on assets | 1.4889% | 1,678 |
| Return on Equity (ROE) | 7.8472% | 3,285 |
| Retained earnings to average equity (ytd only) | 7.8472% | 1,427 |
| Net charge-offs to loans | -0.0980% | 6,132 |
| Credit loss provision to net charge-offs | 1,229.5082% | 280 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.3512% | 887 |
| Assets per employee ($millions) | 5.5056% | 1,717 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9329% | 1,387 |
| Loan loss allowance to noncurrent loans | 695.0192% | 759 |
| Noncurrent assets plus other real estate owned to assets | 0.2495% | 5,234 |
| Noncurrent loans to loans | 0.2781% | 5,078 |
| Net loans and leases to total assets | 87.9816% | 113 |
| Net loans and leases to deposits | 114.5057% | 145 |
| Net loans and leases to core deposits | 127.1116% | 266 |
| Total domestic deposits to total assets | 76.8360% | 5,702 |
| Equity capital to assets | 13.4208% | 1,222 |
| Core capital (leverage) ratio | 12.3690% | 1,481 |
| Tier 1 risk-based capital ratio | 13.4305% | 4,587 |
| Total risk-based capital ratio | 14.6886% | 4,526 |
| Memoranda: | ||
| Average total assets | $194,146,000 | 3,078 |
| Average earning assets | $180,377,250 | 3,052 |
| Average equity | $27,270,250 | 2,471 |
| Average total loans | $165,941,000 | 2,383 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1581% | 3,109 |
| Cost of funding earning assets | 0.2406% | 5,578 |
| Net interest margin | 3.9175% | 2,089 |
| Noninterest income to average assets | 0.5118% | 3,393 |
| Noninterest expense to average assets | 3.9932% | 773 |
| Loan and lease loss provision to assets | -1.5863% | 6,648 |
| Net operating income to assets | 1.3705% | 1,134 |
| Return on assets (ROA) | 1.3705% | 1,173 |
| Pretax return on assets | 1.7375% | 948 |
| Return on Equity (ROE) | 9.5996% | 2,326 |
| Retained earnings to average equity (ytd only) | 9.5996% | 816 |
| Net charge-offs to loans | -0.0933% | 6,125 |
| Credit loss provision to net charge-offs | 2,027.0270% | 181 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 96.3511% | 542 |
| Assets per employee ($millions) | 5.7534% | 1,474 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0882% | 1,200 |
| Loan loss allowance to noncurrent loans | 670.4120% | 713 |
| Noncurrent assets plus other real estate owned to assets | 0.5195% | 4,443 |
| Noncurrent loans to loans | 0.3115% | 5,081 |
| Net loans and leases to total assets | 81.0418% | 569 |
| Net loans and leases to deposits | 116.6362% | 113 |
| Net loans and leases to core deposits | 121.6558% | 340 |
| Total domestic deposits to total assets | 69.4825% | 6,372 |
| Equity capital to assets | 13.3654% | 1,206 |
| Core capital (leverage) ratio | 12.6256% | 1,327 |
| Tier 1 risk-based capital ratio | 14.4265% | 3,976 |
| Total risk-based capital ratio | 15.6865% | 3,911 |
| Memoranda: | ||
| Average total assets | $189,123,670 | 3,160 |
| Average earning assets | $175,367,330 | 3,139 |
| Average equity | $27,001,000 | 2,479 |
| Average total loans | $158,689,000 | 2,464 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1918% | 2,910 |
| Cost of funding earning assets | 0.2464% | 5,619 |
| Net interest margin | 3.9454% | 1,942 |
| Noninterest income to average assets | 0.3220% | 4,790 |
| Noninterest expense to average assets | 4.0328% | 728 |
| Loan and lease loss provision to assets | -3.3310% | 6,725 |
| Net operating income to assets | 1.9786% | 355 |
| Return on assets (ROA) | 1.9786% | 368 |
| Pretax return on assets | 3.2822% | 119 |
| Return on Equity (ROE) | 13.3683% | 1,070 |
| Retained earnings to average equity (ytd only) | 13.3683% | 446 |
| Net charge-offs to loans | -0.0814% | 6,040 |
| Credit loss provision to net charge-offs | 4,838.7097% | 79 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 101.2263% | 440 |
| Assets per employee ($millions) | 5.1970% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2325% | 1,116 |
| Loan loss allowance to noncurrent loans | 741.5094% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.2550% | 5,421 |
| Noncurrent loans to loans | 0.3011% | 5,212 |
| Net loans and leases to total assets | 82.7898% | 309 |
| Net loans and leases to deposits | 106.5574% | 227 |
| Net loans and leases to core deposits | 112.2949% | 512 |
| Total domestic deposits to total assets | 77.6951% | 5,871 |
| Equity capital to assets | 14.4928% | 791 |
| Core capital (leverage) ratio | 14.2023% | 756 |
| Tier 1 risk-based capital ratio | 15.5889% | 3,384 |
| Total risk-based capital ratio | 16.8509% | 3,344 |
| Memoranda: | ||
| Average total assets | $180,123,500 | 3,274 |
| Average earning assets | $167,182,500 | 3,252 |
| Average equity | $26,660,000 | 2,497 |
| Average total loans | $152,315,000 | 2,553 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4158% | 2,529 |
| Cost of funding earning assets | 0.3028% | 5,569 |
| Net interest margin | 4.1130% | 1,608 |
| Noninterest income to average assets | 0.7380% | 2,344 |
| Noninterest expense to average assets | 4.2945% | 636 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 2.6252% | 153 |
| Return on assets (ROA) | 3.0138% | 110 |
| Pretax return on assets | 0.6303% | 4,772 |
| Return on Equity (ROE) | 20.9414% | 240 |
| Retained earnings to average equity (ytd only) | 20.9414% | 72 |
| Net charge-offs to loans | -0.2292% | 6,635 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6715% | 713 |
| Assets per employee ($millions) | 4.9473% | 2,243 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4241% | 308 |
| Loan loss allowance to noncurrent loans | 1,896.2121% | 311 |
| Noncurrent assets plus other real estate owned to assets | 0.2934% | 5,384 |
| Noncurrent loans to loans | 0.1806% | 5,662 |
| Net loans and leases to total assets | 81.5419% | 452 |
| Net loans and leases to deposits | 97.0299% | 665 |
| Net loans and leases to core deposits | 102.2597% | 1,006 |
| Total domestic deposits to total assets | 84.0379% | 4,156 |
| Equity capital to assets | 15.1339% | 651 |
| Core capital (leverage) ratio | 14.0619% | 810 |
| Tier 1 risk-based capital ratio | 15.6686% | 3,265 |
| Total risk-based capital ratio | 16.9454% | 3,216 |
| Memoranda: | ||
| Average total assets | $163,417,600 | 3,503 |
| Average earning assets | $150,913,200 | 3,483 |
| Average equity | $23,518,000 | 2,767 |
| Average total loans | $131,780,400 | 2,830 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4949% | 2,250 |
| Cost of funding earning assets | 0.3140% | 5,605 |
| Net interest margin | 4.1809% | 1,394 |
| Noninterest income to average assets | 0.3570% | 4,844 |
| Noninterest expense to average assets | 3.9920% | 867 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 3.7734% | 69 |
| Return on assets (ROA) | 4.2993% | 52 |
| Pretax return on assets | 0.7504% | 4,488 |
| Return on Equity (ROE) | 30.2945% | 67 |
| Retained earnings to average equity (ytd only) | 30.2945% | 32 |
| Net charge-offs to loans | -0.5118% | 6,779 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.6769% | 697 |
| Assets per employee ($millions) | 5.0157% | 2,145 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8308% | 265 |
| Loan loss allowance to noncurrent loans | 991.6031% | 476 |
| Noncurrent assets plus other real estate owned to assets | 1.7031% | 2,410 |
| Noncurrent loans to loans | 0.3863% | 5,233 |
| Net loans and leases to total assets | 78.8079% | 667 |
| Net loans and leases to deposits | 94.5266% | 791 |
| Net loans and leases to core deposits | 99.9089% | 1,120 |
| Total domestic deposits to total assets | 83.3711% | 4,434 |
| Equity capital to assets | 15.9595% | 560 |
| Core capital (leverage) ratio | 14.4591% | 742 |
| Tier 1 risk-based capital ratio | 16.5029% | 2,930 |
| Total risk-based capital ratio | 17.7843% | 2,887 |
| Memoranda: | ||
| Average total assets | $160,983,500 | 3,583 |
| Average earning assets | $148,610,250 | 3,563 |
| Average equity | $22,846,250 | 2,869 |
| Average total loans | $128,175,750 | 2,910 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5084% | 2,172 |
| Cost of funding earning assets | 0.3214% | 5,652 |
| Net interest margin | 4.1870% | 1,310 |
| Noninterest income to average assets | 0.3700% | 4,750 |
| Noninterest expense to average assets | 4.0496% | 819 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.2094% | 5,862 |
| Return on assets (ROA) | 1.0058% | 2,443 |
| Pretax return on assets | 1.0058% | 3,486 |
| Return on Equity (ROE) | 7.4066% | 3,391 |
| Retained earnings to average equity (ytd only) | 7.4066% | 1,712 |
| Net charge-offs to loans | -0.1337% | 6,571 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 95.0824% | 704 |
| Assets per employee ($millions) | 4.9400% | 2,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6532% | 331 |
| Loan loss allowance to noncurrent loans | 383.9615% | 1,110 |
| Noncurrent assets plus other real estate owned to assets | 2.1727% | 1,988 |
| Noncurrent loans to loans | 0.9515% | 4,028 |
| Net loans and leases to total assets | 77.4592% | 806 |
| Net loans and leases to deposits | 90.2925% | 1,117 |
| Net loans and leases to core deposits | 95.3731% | 1,414 |
| Total domestic deposits to total assets | 85.7870% | 3,485 |
| Equity capital to assets | 13.5051% | 1,133 |
| Core capital (leverage) ratio | 13.7706% | 891 |
| Tier 1 risk-based capital ratio | 17.3376% | 2,578 |
| Total risk-based capital ratio | 18.6187% | 2,537 |
| Memoranda: | ||
| Average total assets | $159,471,670 | 3,622 |
| Average earning assets | $148,124,000 | 3,596 |
| Average equity | $21,656,330 | 3,022 |
| Average total loans | $125,688,330 | 2,957 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5035% | 2,152 |
| Cost of funding earning assets | 0.3283% | 5,733 |
| Net interest margin | 4.1752% | 1,259 |
| Noninterest income to average assets | 0.2029% | 6,025 |
| Noninterest expense to average assets | 4.0838% | 804 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | -0.0101% | 6,359 |
| Return on assets (ROA) | 0.5961% | 4,387 |
| Pretax return on assets | 0.5961% | 4,961 |
| Return on Equity (ROE) | 4.3769% | 4,913 |
| Retained earnings to average equity (ytd only) | 4.3769% | 3,612 |
| Net charge-offs to loans | -0.0911% | 6,404 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 100.2491% | 537 |
| Assets per employee ($millions) | 5.3170% | 1,844 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6487% | 374 |
| Loan loss allowance to noncurrent loans | 364.5609% | 1,113 |
| Noncurrent assets plus other real estate owned to assets | 2.4318% | 1,904 |
| Noncurrent loans to loans | 1.0008% | 4,131 |
| Net loans and leases to total assets | 78.3398% | 580 |
| Net loans and leases to deposits | 91.2243% | 870 |
| Net loans and leases to core deposits | 96.4636% | 1,177 |
| Total domestic deposits to total assets | 85.8760% | 3,598 |
| Equity capital to assets | 13.4594% | 1,225 |
| Core capital (leverage) ratio | 13.7158% | 867 |
| Tier 1 risk-based capital ratio | 17.0029% | 2,749 |
| Total risk-based capital ratio | 18.2841% | 2,707 |
| Memoranda: | ||
| Average total assets | $157,697,500 | 3,686 |
| Average earning assets | $146,198,000 | 3,660 |
| Average equity | $21,476,500 | 3,081 |
| Average total loans | $123,001,500 | 3,024 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4735% | 3,509 |
| Cost of funding earning assets | 0.3872% | 6,000 |
| Net interest margin | 4.0863% | 2,054 |
| Noninterest income to average assets | 0.6843% | 2,806 |
| Noninterest expense to average assets | 4.0248% | 951 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.4386% | 4,933 |
| Return on assets (ROA) | 0.5584% | 4,693 |
| Pretax return on assets | 0.5584% | 5,108 |
| Return on Equity (ROE) | 4.4150% | 4,968 |
| Retained earnings to average equity (ytd only) | 4.4150% | 3,124 |
| Net charge-offs to loans | 1.0924% | 967 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | 0.5613% | 5,207 |
| Efficiency ratio | 90.1734% | 1,053 |
| Assets per employee ($millions) | 5.1962% | 1,992 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0443% | 278 |
| Loan loss allowance to noncurrent loans | 134.5153% | 2,592 |
| Noncurrent assets plus other real estate owned to assets | 3.8990% | 1,118 |
| Noncurrent loans to loans | 3.0066% | 1,731 |
| Net loans and leases to total assets | 71.5959% | 1,553 |
| Net loans and leases to deposits | 83.8200% | 1,772 |
| Net loans and leases to core deposits | 88.7765% | 1,999 |
| Total domestic deposits to total assets | 85.4163% | 3,653 |
| Equity capital to assets | 13.7819% | 1,124 |
| Core capital (leverage) ratio | 13.2111% | 1,043 |
| Tier 1 risk-based capital ratio | 18.0292% | 2,251 |
| Total risk-based capital ratio | 19.3134% | 2,212 |
| Memoranda: | ||
| Average total assets | $162,790,400 | 3,572 |
| Average earning assets | $150,552,400 | 3,541 |
| Average equity | $20,589,000 | 3,135 |
| Average total loans | $116,441,000 | 3,153 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4397% | 3,886 |
| Cost of funding earning assets | 0.3986% | 6,128 |
| Net interest margin | 4.0411% | 2,335 |
| Noninterest income to average assets | 0.7432% | 2,515 |
| Noninterest expense to average assets | 3.9671% | 982 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.5146% | 4,784 |
| Return on assets (ROA) | 0.5146% | 5,043 |
| Pretax return on assets | 0.5146% | 5,421 |
| Return on Equity (ROE) | 4.1573% | 5,228 |
| Retained earnings to average equity (ytd only) | 4.1573% | 3,975 |
| Net charge-offs to loans | 1.0635% | 985 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 0.6835% | 4,983 |
| Efficiency ratio | 88.5172% | 1,144 |
| Assets per employee ($millions) | 5.4600% | 1,674 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3999% | 231 |
| Loan loss allowance to noncurrent loans | 90.1250% | 3,531 |
| Noncurrent assets plus other real estate owned to assets | 4.6044% | 995 |
| Noncurrent loans to loans | 4.8820% | 933 |
| Net loans and leases to total assets | 66.9475% | 2,475 |
| Net loans and leases to deposits | 77.5986% | 2,715 |
| Net loans and leases to core deposits | 83.6308% | 2,739 |
| Total domestic deposits to total assets | 86.2741% | 3,105 |
| Equity capital to assets | 13.0861% | 1,555 |
| Core capital (leverage) ratio | 12.8132% | 1,272 |
| Tier 1 risk-based capital ratio | 17.6205% | 2,487 |
| Total risk-based capital ratio | 18.9076% | 2,447 |
| Memoranda: | ||
| Average total assets | $164,516,500 | 3,577 |
| Average earning assets | $152,198,500 | 3,547 |
| Average equity | $20,365,250 | 3,190 |
| Average total loans | $116,473,250 | 3,194 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4698% | 3,904 |
| Cost of funding earning assets | 0.4175% | 6,178 |
| Net interest margin | 4.0524% | 2,287 |
| Noninterest income to average assets | 0.9481% | 1,620 |
| Noninterest expense to average assets | 4.0970% | 839 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.5863% | 4,424 |
| Return on assets (ROA) | 0.5863% | 4,687 |
| Pretax return on assets | 0.5863% | 5,189 |
| Return on Equity (ROE) | 4.8279% | 4,885 |
| Retained earnings to average equity (ytd only) | 4.8279% | 3,386 |
| Net charge-offs to loans | 1.7000% | 535 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 0.4854% | 4,834 |
| Efficiency ratio | 87.4806% | 1,285 |
| Assets per employee ($millions) | 5.9299% | 1,281 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5103% | 230 |
| Loan loss allowance to noncurrent loans | 52.9781% | 4,955 |
| Noncurrent assets plus other real estate owned to assets | 8.5059% | 385 |
| Noncurrent loans to loans | 8.5136% | 384 |
| Net loans and leases to total assets | 63.5120% | 3,145 |
| Net loans and leases to deposits | 73.2101% | 3,424 |
| Net loans and leases to core deposits | 78.7946% | 3,398 |
| Total domestic deposits to total assets | 86.7530% | 2,924 |
| Equity capital to assets | 12.6483% | 1,724 |
| Core capital (leverage) ratio | 12.5238% | 1,342 |
| Tier 1 risk-based capital ratio | 17.6269% | 2,426 |
| Total risk-based capital ratio | 18.9149% | 2,378 |
| Memoranda: | ||
| Average total assets | $164,755,330 | 3,591 |
| Average earning assets | $151,862,330 | 3,565 |
| Average equity | $20,008,670 | 3,220 |
| Average total loans | $117,062,000 | 3,195 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6138% | 3,443 |
| Cost of funding earning assets | 0.4379% | 6,218 |
| Net interest margin | 4.1759% | 1,834 |
| Noninterest income to average assets | 0.9725% | 1,503 |
| Noninterest expense to average assets | 4.0557% | 872 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.7751% | 3,506 |
| Return on assets (ROA) | 0.7751% | 3,740 |
| Pretax return on assets | 0.7751% | 4,512 |
| Return on Equity (ROE) | 6.5189% | 4,027 |
| Retained earnings to average equity (ytd only) | 6.5189% | 2,675 |
| Net charge-offs to loans | 2.0802% | 440 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 0.5080% | 4,085 |
| Efficiency ratio | 83.9556% | 1,690 |
| Assets per employee ($millions) | 5.2221% | 1,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7690% | 209 |
| Loan loss allowance to noncurrent loans | 51.7458% | 4,969 |
| Noncurrent assets plus other real estate owned to assets | 9.2134% | 371 |
| Noncurrent loans to loans | 9.2161% | 356 |
| Net loans and leases to total assets | 65.9942% | 2,467 |
| Net loans and leases to deposits | 76.2795% | 2,753 |
| Net loans and leases to core deposits | 82.4235% | 2,768 |
| Total domestic deposits to total assets | 86.5163% | 3,237 |
| Equity capital to assets | 12.9494% | 1,458 |
| Core capital (leverage) ratio | 12.0177% | 1,575 |
| Tier 1 risk-based capital ratio | 17.7886% | 2,365 |
| Total risk-based capital ratio | 19.0810% | 2,328 |
| Memoranda: | ||
| Average total assets | $164,114,000 | 3,619 |
| Average earning assets | $151,633,000 | 3,584 |
| Average equity | $19,512,500 | 3,285 |
| Average total loans | $120,375,500 | 3,146 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6861% | 4,304 |
| Cost of funding earning assets | 0.4799% | 6,614 |
| Net interest margin | 4.2062% | 2,035 |
| Noninterest income to average assets | 0.7836% | 2,148 |
| Noninterest expense to average assets | 3.6058% | 1,731 |
| Loan and lease loss provision to assets | 1.8809% | 339 |
| Net operating income to assets | -0.7338% | 6,622 |
| Return on assets (ROA) | -0.6095% | 6,600 |
| Pretax return on assets | -0.6095% | 6,555 |
| Return on Equity (ROE) | -6.2937% | 6,596 |
| Retained earnings to average equity (ytd only) | -6.2937% | 6,528 |
| Net charge-offs to loans | 2.3440% | 528 |
| Credit loss provision to net charge-offs | 105.6598% | 3,236 |
| Earnings coverage of net charge-offs (x) | 0.6444% | 5,339 |
| Efficiency ratio | 75.8641% | 2,907 |
| Assets per employee ($millions) | 5.5448% | 1,590 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6482% | 230 |
| Loan loss allowance to noncurrent loans | 40.6309% | 5,565 |
| Noncurrent assets plus other real estate owned to assets | 10.0677% | 330 |
| Noncurrent loans to loans | 11.4399% | 246 |
| Net loans and leases to total assets | 73.6973% | 1,327 |
| Net loans and leases to deposits | 83.1780% | 2,041 |
| Net loans and leases to core deposits | 93.8841% | 1,712 |
| Total domestic deposits to total assets | 88.6019% | 1,782 |
| Equity capital to assets | 10.8582% | 3,131 |
| Core capital (leverage) ratio | 10.1873% | 3,101 |
| Tier 1 risk-based capital ratio | 14.0186% | 4,314 |
| Total risk-based capital ratio | 15.3128% | 4,230 |
| Memoranda: | ||
| Average total assets | $182,623,000 | 3,291 |
| Average earning assets | $172,340,200 | 3,194 |
| Average equity | $17,684,400 | 3,472 |
| Average total loans | $138,695,000 | 2,813 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7114% | 4,403 |
| Cost of funding earning assets | 0.4890% | 6,747 |
| Net interest margin | 4.2223% | 2,015 |
| Noninterest income to average assets | 0.9513% | 1,483 |
| Noninterest expense to average assets | 3.5787% | 1,758 |
| Loan and lease loss provision to assets | 2.3218% | 205 |
| Net operating income to assets | -0.9534% | 6,867 |
| Return on assets (ROA) | -0.7913% | 6,829 |
| Pretax return on assets | -0.7913% | 6,781 |
| Return on Equity (ROE) | -8.3985% | 6,834 |
| Retained earnings to average equity (ytd only) | -8.3985% | 6,786 |
| Net charge-offs to loans | 2.6245% | 404 |
| Credit loss provision to net charge-offs | 116.9424% | 2,794 |
| Earnings coverage of net charge-offs (x) | 0.6892% | 5,106 |
| Efficiency ratio | 72.3401% | 3,484 |
| Assets per employee ($millions) | 6.2682% | 1,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6640% | 231 |
| Loan loss allowance to noncurrent loans | 53.2885% | 4,805 |
| Noncurrent assets plus other real estate owned to assets | 7.0458% | 699 |
| Noncurrent loans to loans | 8.7523% | 469 |
| Net loans and leases to total assets | 72.9427% | 1,520 |
| Net loans and leases to deposits | 81.7921% | 2,399 |
| Net loans and leases to core deposits | 96.6174% | 1,541 |
| Total domestic deposits to total assets | 89.1806% | 1,313 |
| Equity capital to assets | 10.3539% | 3,891 |
| Core capital (leverage) ratio | 9.4749% | 4,186 |
| Tier 1 risk-based capital ratio | 13.6473% | 4,616 |
| Total risk-based capital ratio | 14.9419% | 4,549 |
| Memoranda: | ||
| Average total assets | $186,692,750 | 3,249 |
| Average earning assets | $176,675,000 | 3,150 |
| Average equity | $17,590,000 | 3,486 |
| Average total loans | $141,227,000 | 2,787 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6811% | 4,617 |
| Cost of funding earning assets | 0.4792% | 6,918 |
| Net interest margin | 4.2019% | 2,028 |
| Noninterest income to average assets | 1.2856% | 763 |
| Noninterest expense to average assets | 3.6561% | 1,615 |
| Loan and lease loss provision to assets | 1.9462% | 327 |
| Net operating income to assets | -0.3382% | 6,574 |
| Return on assets (ROA) | -0.3298% | 6,595 |
| Pretax return on assets | -0.3298% | 6,548 |
| Return on Equity (ROE) | -3.6100% | 6,631 |
| Retained earnings to average equity (ytd only) | -3.6100% | 6,433 |
| Net charge-offs to loans | 1.9604% | 691 |
| Credit loss provision to net charge-offs | 131.6986% | 2,318 |
| Earnings coverage of net charge-offs (x) | 1.0881% | 4,465 |
| Efficiency ratio | 69.4533% | 4,219 |
| Assets per employee ($millions) | 7.1663% | 672 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4885% | 280 |
| Loan loss allowance to noncurrent loans | 80.2212% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 4.5024% | 1,393 |
| Noncurrent loans to loans | 5.5952% | 1,117 |
| Net loans and leases to total assets | 71.2410% | 1,954 |
| Net loans and leases to deposits | 79.7782% | 2,837 |
| Net loans and leases to core deposits | 93.6748% | 1,940 |
| Total domestic deposits to total assets | 89.2987% | 1,360 |
| Equity capital to assets | 10.2553% | 3,811 |
| Core capital (leverage) ratio | 9.5010% | 3,959 |
| Tier 1 risk-based capital ratio | 13.7146% | 4,371 |
| Total risk-based capital ratio | 15.0072% | 4,309 |
| Memoranda: | ||
| Average total assets | $190,420,670 | 3,219 |
| Average earning assets | $180,299,330 | 3,131 |
| Average equity | $17,396,000 | 3,511 |
| Average total loans | $143,541,330 | 2,782 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6815% | 4,605 |
| Cost of funding earning assets | 0.4561% | 7,099 |
| Net interest margin | 4.2254% | 1,819 |
| Noninterest income to average assets | 0.9747% | 1,402 |
| Noninterest expense to average assets | 3.8365% | 1,278 |
| Loan and lease loss provision to assets | 0.5196% | 1,672 |
| Net operating income to assets | 0.6235% | 3,904 |
| Return on assets (ROA) | 0.6235% | 3,971 |
| Pretax return on assets | 0.6235% | 4,590 |
| Return on Equity (ROE) | 7.2551% | 3,267 |
| Retained earnings to average equity (ytd only) | 7.2551% | 2,043 |
| Net charge-offs to loans | 1.1192% | 1,240 |
| Credit loss provision to net charge-offs | 61.2745% | 3,525 |
| Earnings coverage of net charge-offs (x) | 1.3480% | 3,672 |
| Efficiency ratio | 77.0451% | 2,978 |
| Assets per employee ($millions) | 5.7536% | 1,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8922% | 452 |
| Loan loss allowance to noncurrent loans | 67.4650% | 4,046 |
| Noncurrent assets plus other real estate owned to assets | 4.5301% | 1,429 |
| Noncurrent loans to loans | 5.7692% | 1,120 |
| Net loans and leases to total assets | 71.1148% | 1,898 |
| Net loans and leases to deposits | 79.3630% | 2,833 |
| Net loans and leases to core deposits | 92.7348% | 2,045 |
| Total domestic deposits to total assets | 89.6071% | 1,423 |
| Equity capital to assets | 9.8143% | 4,020 |
| Core capital (leverage) ratio | 9.8219% | 3,362 |
| Tier 1 risk-based capital ratio | 13.6209% | 4,340 |
| Total risk-based capital ratio | 14.9057% | 4,295 |
| Memoranda: | ||
| Average total assets | $192,469,000 | 3,215 |
| Average earning assets | $182,421,000 | 3,105 |
| Average equity | $16,540,000 | 3,631 |
| Average total loans | $145,823,500 | 2,775 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7706% | 5,528 |
| Cost of funding earning assets | 0.6346% | 7,046 |
| Net interest margin | 4.1360% | 2,425 |
| Noninterest income to average assets | 0.4241% | 4,717 |
| Noninterest expense to average assets | 3.3284% | 2,645 |
| Loan and lease loss provision to assets | 2.3606% | 494 |
| Net operating income to assets | -2.3872% | 7,159 |
| Return on assets (ROA) | -2.2344% | 7,136 |
| Pretax return on assets | -1.2390% | 6,755 |
| Return on Equity (ROE) | -24.2281% | 7,113 |
| Retained earnings to average equity (ytd only) | -25.4783% | 7,125 |
| Net charge-offs to loans | 1.9534% | 1,043 |
| Credit loss provision to net charge-offs | 164.0087% | 2,108 |
| Earnings coverage of net charge-offs (x) | 0.6731% | 5,435 |
| Efficiency ratio | 77.4554% | 2,795 |
| Assets per employee ($millions) | 5.4090% | 1,667 |
| Cash dividends to net income (ytd only)* | -5.1599% | 7,461 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9429% | 426 |
| Loan loss allowance to noncurrent loans | 64.9910% | 4,149 |
| Noncurrent assets plus other real estate owned to assets | 4.7075% | 1,397 |
| Noncurrent loans to loans | 6.0669% | 1,022 |
| Net loans and leases to total assets | 74.5340% | 1,566 |
| Net loans and leases to deposits | 81.0058% | 2,990 |
| Net loans and leases to core deposits | 92.8603% | 2,404 |
| Total domestic deposits to total assets | 92.0107% | 278 |
| Equity capital to assets | 7.3322% | 6,984 |
| Core capital (leverage) ratio | 7.3552% | 6,811 |
| Tier 1 risk-based capital ratio | 9.8513% | 7,038 |
| Total risk-based capital ratio | 11.1378% | 7,020 |
| Memoranda: | ||
| Average total assets | $191,685,600 | 3,205 |
| Average earning assets | $179,497,000 | 3,128 |
| Average equity | $17,677,800 | 3,477 |
| Average total loans | $141,240,200 | 2,924 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6494% | 6,193 |
| Cost of funding earning assets | 0.6794% | 7,109 |
| Net interest margin | 3.9700% | 3,235 |
| Noninterest income to average assets | 0.5256% | 3,980 |
| Noninterest expense to average assets | 3.3624% | 2,392 |
| Loan and lease loss provision to assets | 0.6934% | 2,212 |
| Net operating income to assets | 0.1356% | 5,673 |
| Return on assets (ROA) | 0.2961% | 5,350 |
| Pretax return on assets | 0.3765% | 5,295 |
| Return on Equity (ROE) | 3.0564% | 5,199 |
| Retained earnings to average equity (ytd only) | 1.8682% | 5,024 |
| Net charge-offs to loans | 1.0108% | 1,989 |
| Credit loss provision to net charge-offs | 94.3396% | 4,595 |
| Earnings coverage of net charge-offs (x) | 1.1792% | 4,884 |
| Efficiency ratio | 79.5048% | 2,422 |
| Assets per employee ($millions) | 5.3584% | 1,756 |
| Cash dividends to net income (ytd only)* | 38.8762% | 2,140 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8062% | 996 |
| Loan loss allowance to noncurrent loans | 63.7635% | 4,109 |
| Noncurrent assets plus other real estate owned to assets | 3.8044% | 1,869 |
| Noncurrent loans to loans | 4.4010% | 1,651 |
| Net loans and leases to total assets | 75.4358% | 1,506 |
| Net loans and leases to deposits | 86.5561% | 2,231 |
| Net loans and leases to core deposits | 98.8200% | 1,956 |
| Total domestic deposits to total assets | 87.1525% | 2,448 |
| Equity capital to assets | 10.3758% | 3,670 |
| Core capital (leverage) ratio | 9.5340% | 3,853 |
| Tier 1 risk-based capital ratio | 12.5741% | 4,921 |
| Total risk-based capital ratio | 13.8447% | 4,879 |
| Memoranda: | ||
| Average total assets | $192,278,250 | 3,254 |
| Average earning assets | $179,374,250 | 3,164 |
| Average equity | $18,627,000 | 3,369 |
| Average total loans | $139,826,250 | 2,984 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6502% | 6,313 |
| Cost of funding earning assets | 0.7198% | 7,142 |
| Net interest margin | 3.9304% | 3,319 |
| Noninterest income to average assets | 0.4856% | 4,231 |
| Noninterest expense to average assets | 3.2631% | 2,680 |
| Loan and lease loss provision to assets | 0.4927% | 2,828 |
| Net operating income to assets | 0.3441% | 4,996 |
| Return on assets (ROA) | 0.4989% | 4,485 |
| Pretax return on assets | 0.5674% | 4,680 |
| Return on Equity (ROE) | 5.2657% | 4,143 |
| Retained earnings to average equity (ytd only) | 4.0680% | 3,493 |
| Net charge-offs to loans | 0.8514% | 2,127 |
| Credit loss provision to net charge-offs | 81.2816% | 4,670 |
| Earnings coverage of net charge-offs (x) | 1.4587% | 4,392 |
| Efficiency ratio | 78.6788% | 2,628 |
| Assets per employee ($millions) | 5.4173% | 1,697 |
| Cash dividends to net income (ytd only)* | 22.7459% | 2,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9222% | 891 |
| Loan loss allowance to noncurrent loans | 56.8195% | 4,525 |
| Noncurrent assets plus other real estate owned to assets | 3.6349% | 1,930 |
| Noncurrent loans to loans | 5.1429% | 1,330 |
| Net loans and leases to total assets | 68.6132% | 3,218 |
| Net loans and leases to deposits | 76.7575% | 4,195 |
| Net loans and leases to core deposits | 84.2180% | 4,113 |
| Total domestic deposits to total assets | 89.3895% | 1,229 |
| Equity capital to assets | 9.9860% | 4,042 |
| Core capital (leverage) ratio | 9.2027% | 4,296 |
| Tier 1 risk-based capital ratio | 12.9604% | 4,483 |
| Total risk-based capital ratio | 14.2318% | 4,422 |
| Memoranda: | ||
| Average total assets | $195,643,000 | 3,224 |
| Average earning assets | $182,272,330 | 3,168 |
| Average equity | $18,535,000 | 3,370 |
| Average total loans | $139,301,670 | 3,030 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8014% | 5,886 |
| Cost of funding earning assets | 0.7445% | 7,244 |
| Net interest margin | 4.0569% | 2,624 |
| Noninterest income to average assets | 0.2638% | 6,042 |
| Noninterest expense to average assets | 3.2195% | 2,783 |
| Loan and lease loss provision to assets | 0.4571% | 2,683 |
| Net operating income to assets | 0.3294% | 5,169 |
| Return on assets (ROA) | 0.4107% | 4,939 |
| Pretax return on assets | 0.4369% | 5,173 |
| Return on Equity (ROE) | 4.4504% | 4,681 |
| Retained earnings to average equity (ytd only) | 3.2505% | 4,198 |
| Net charge-offs to loans | 0.7101% | 2,081 |
| Credit loss provision to net charge-offs | 90.0794% | 3,657 |
| Earnings coverage of net charge-offs (x) | 1.5913% | 3,770 |
| Efficiency ratio | 79.9500% | 2,570 |
| Assets per employee ($millions) | 5.6241% | 1,565 |
| Cash dividends to net income (ytd only)* | 26.9608% | 2,086 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9036% | 899 |
| Loan loss allowance to noncurrent loans | 57.9832% | 4,474 |
| Noncurrent assets plus other real estate owned to assets | 4.3557% | 1,560 |
| Noncurrent loans to loans | 5.0077% | 1,446 |
| Net loans and leases to total assets | 67.9850% | 3,392 |
| Net loans and leases to deposits | 78.7771% | 3,883 |
| Net loans and leases to core deposits | 90.8631% | 3,248 |
| Total domestic deposits to total assets | 86.3004% | 2,986 |
| Equity capital to assets | 9.3998% | 4,674 |
| Core capital (leverage) ratio | 8.6363% | 5,145 |
| Tier 1 risk-based capital ratio | 11.9587% | 5,241 |
| Total risk-based capital ratio | 13.2284% | 5,178 |
| Memoranda: | ||
| Average total assets | $198,662,000 | 3,229 |
| Average earning assets | $184,280,500 | 3,198 |
| Average equity | $18,335,500 | 3,430 |
| Average total loans | $141,947,500 | 3,037 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9979% | 6,440 |
| Cost of funding earning assets | 1.1613% | 6,792 |
| Net interest margin | 3.8366% | 3,545 |
| Noninterest income to average assets | 0.3419% | 5,642 |
| Noninterest expense to average assets | 3.1640% | 3,498 |
| Loan and lease loss provision to assets | 1.4750% | 1,560 |
| Net operating income to assets | -0.6172% | 6,287 |
| Return on assets (ROA) | -0.3993% | 6,067 |
| Pretax return on assets | -0.4520% | 5,964 |
| Return on Equity (ROE) | -3.9763% | 6,104 |
| Retained earnings to average equity (ytd only) | -4.8471% | 6,001 |
| Net charge-offs to loans | 1.9569% | 1,260 |
| Credit loss provision to net charge-offs | 96.2530% | 5,766 |
| Earnings coverage of net charge-offs (x) | 0.5060% | 5,608 |
| Efficiency ratio | 80.3156% | 2,837 |
| Assets per employee ($millions) | 5.7280% | 1,434 |
| Cash dividends to net income (ytd only)* | -21.8997% | 7,705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7569% | 970 |
| Loan loss allowance to noncurrent loans | 44.7444% | 5,420 |
| Noncurrent assets plus other real estate owned to assets | 4.4892% | 1,434 |
| Noncurrent loans to loans | 6.1615% | 1,011 |
| Net loans and leases to total assets | 70.8508% | 3,043 |
| Net loans and leases to deposits | 83.5506% | 3,353 |
| Net loans and leases to core deposits | 138.3242% | 867 |
| Total domestic deposits to total assets | 84.7999% | 3,651 |
| Equity capital to assets | 9.0623% | 5,044 |
| Core capital (leverage) ratio | 8.5065% | 5,274 |
| Tier 1 risk-based capital ratio | 11.4592% | 5,443 |
| Total risk-based capital ratio | 12.7282% | 5,378 |
| Memoranda: | ||
| Average total assets | $189,825,200 | 3,289 |
| Average earning assets | $177,995,200 | 3,236 |
| Average equity | $19,062,800 | 3,336 |
| Average total loans | $148,653,400 | 2,939 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0491% | 6,452 |
| Cost of funding earning assets | 1.2702% | 6,657 |
| Net interest margin | 3.7789% | 3,744 |
| Noninterest income to average assets | 0.2750% | 6,265 |
| Noninterest expense to average assets | 3.2285% | 3,200 |
| Loan and lease loss provision to assets | 0.8406% | 2,275 |
| Net operating income to assets | -0.0162% | 5,738 |
| Return on assets (ROA) | 0.1375% | 5,423 |
| Pretax return on assets | -0.0021% | 5,711 |
| Return on Equity (ROE) | 1.3342% | 5,392 |
| Retained earnings to average equity (ytd only) | 0.5669% | 4,969 |
| Net charge-offs to loans | 1.8298% | 1,102 |
| Credit loss provision to net charge-offs | 57.5891% | 6,206 |
| Earnings coverage of net charge-offs (x) | 0.4100% | 5,620 |
| Efficiency ratio | 84.3634% | 2,256 |
| Assets per employee ($millions) | 5.5312% | 1,587 |
| Cash dividends to net income (ytd only)* | 57.5137% | 1,708 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1974% | 1,426 |
| Loan loss allowance to noncurrent loans | 44.8811% | 5,324 |
| Noncurrent assets plus other real estate owned to assets | 3.7589% | 1,730 |
| Noncurrent loans to loans | 4.8961% | 1,375 |
| Net loans and leases to total assets | 75.0864% | 2,228 |
| Net loans and leases to deposits | 86.3744% | 3,245 |
| Net loans and leases to core deposits | 140.4287% | 893 |
| Total domestic deposits to total assets | 86.9313% | 2,213 |
| Equity capital to assets | 9.9590% | 4,138 |
| Core capital (leverage) ratio | 9.4918% | 3,919 |
| Tier 1 risk-based capital ratio | 12.0367% | 4,940 |
| Total risk-based capital ratio | 13.2990% | 4,869 |
| Memoranda: | ||
| Average total assets | $187,161,750 | 3,352 |
| Average earning assets | $175,920,000 | 3,296 |
| Average equity | $19,286,500 | 3,345 |
| Average total loans | $149,299,750 | 2,964 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0683% | 6,551 |
| Cost of funding earning assets | 1.3931% | 6,507 |
| Net interest margin | 3.6752% | 4,063 |
| Noninterest income to average assets | 0.2475% | 6,511 |
| Noninterest expense to average assets | 3.2397% | 3,194 |
| Loan and lease loss provision to assets | 0.6810% | 2,388 |
| Net operating income to assets | 0.0627% | 5,671 |
| Return on assets (ROA) | 0.1838% | 5,403 |
| Pretax return on assets | -0.0389% | 5,922 |
| Return on Equity (ROE) | 1.7627% | 5,386 |
| Retained earnings to average equity (ytd only) | 1.1924% | 4,680 |
| Net charge-offs to loans | 2.7420% | 615 |
| Credit loss provision to net charge-offs | 30.7317% | 6,023 |
| Earnings coverage of net charge-offs (x) | 0.2044% | 5,467 |
| Efficiency ratio | 87.7342% | 2,047 |
| Assets per employee ($millions) | 5.4994% | 1,581 |
| Cash dividends to net income (ytd only)* | 32.3529% | 2,755 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8074% | 2,022 |
| Loan loss allowance to noncurrent loans | 36.0366% | 6,025 |
| Noncurrent assets plus other real estate owned to assets | 4.0294% | 1,459 |
| Noncurrent loans to loans | 5.0153% | 1,226 |
| Net loans and leases to total assets | 78.8884% | 1,546 |
| Net loans and leases to deposits | 93.0836% | 2,254 |
| Net loans and leases to core deposits | 123.0194% | 2,111 |
| Total domestic deposits to total assets | 84.7501% | 3,380 |
| Equity capital to assets | 10.2702% | 3,643 |
| Core capital (leverage) ratio | 9.7364% | 3,590 |
| Tier 1 risk-based capital ratio | 12.2820% | 4,691 |
| Total risk-based capital ratio | 13.5403% | 4,598 |
| Memoranda: | ||
| Average total assets | $185,018,000 | 3,407 |
| Average earning assets | $173,431,670 | 3,355 |
| Average equity | $19,288,670 | 3,356 |
| Average total loans | $149,523,670 | 2,994 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2002% | 6,294 |
| Cost of funding earning assets | 1.5782% | 6,123 |
| Net interest margin | 3.6220% | 4,228 |
| Noninterest income to average assets | 0.3043% | 6,001 |
| Noninterest expense to average assets | 3.2146% | 2,925 |
| Loan and lease loss provision to assets | 0.6086% | 2,069 |
| Net operating income to assets | 0.1143% | 5,937 |
| Return on assets (ROA) | 0.1630% | 5,949 |
| Pretax return on assets | -0.0609% | 6,443 |
| Return on Equity (ROE) | 1.5519% | 5,940 |
| Retained earnings to average equity (ytd only) | 1.5519% | 4,981 |
| Net charge-offs to loans | 5.5022% | 181 |
| Credit loss provision to net charge-offs | 13.6452% | 5,157 |
| Earnings coverage of net charge-offs (x) | 0.1058% | 4,897 |
| Efficiency ratio | 87.2052% | 1,960 |
| Assets per employee ($millions) | 5.3175% | 1,726 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6106% | 2,475 |
| Loan loss allowance to noncurrent loans | 65.1862% | 4,301 |
| Noncurrent assets plus other real estate owned to assets | 2.0050% | 2,895 |
| Noncurrent loans to loans | 2.4707% | 2,665 |
| Net loans and leases to total assets | 79.8440% | 1,422 |
| Net loans and leases to deposits | 96.9216% | 1,811 |
| Net loans and leases to core deposits | 117.9006% | 2,608 |
| Total domestic deposits to total assets | 82.3800% | 4,412 |
| Equity capital to assets | 10.7193% | 3,274 |
| Core capital (leverage) ratio | 10.0054% | 3,409 |
| Tier 1 risk-based capital ratio | 12.4894% | 4,559 |
| Total risk-based capital ratio | 13.7452% | 4,471 |
| Memoranda: | ||
| Average total assets | $184,038,000 | 3,446 |
| Average earning assets | $171,839,000 | 3,391 |
| Average equity | $19,331,500 | 3,372 |
| Average total loans | $149,176,000 | 3,016 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0485% | 5,306 |
| Cost of funding earning assets | 2.2172% | 5,520 |
| Net interest margin | 3.8313% | 3,889 |
| Noninterest income to average assets | 0.1593% | 7,283 |
| Noninterest expense to average assets | 3.3819% | 2,727 |
| Loan and lease loss provision to assets | 1.6928% | 764 |
| Net operating income to assets | -0.9786% | 7,239 |
| Return on assets (ROA) | -0.9284% | 7,130 |
| Pretax return on assets | -1.2017% | 7,119 |
| Return on Equity (ROE) | -8.9492% | 7,190 |
| Retained earnings to average equity (ytd only) | -8.9492% | 6,962 |
| Net charge-offs to loans | 0.0517% | 6,053 |
| Credit loss provision to net charge-offs | 4,008.5714% | 129 |
| Earnings coverage of net charge-offs (x) | 10.0857% | 2,576 |
| Efficiency ratio | 88.8150% | 1,605 |
| Assets per employee ($millions) | 5.5083% | 1,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7269% | 552 |
| Loan loss allowance to noncurrent loans | 385.7276% | 1,084 |
| Noncurrent assets plus other real estate owned to assets | 0.5724% | 5,473 |
| Noncurrent loans to loans | 0.7070% | 5,268 |
| Net loans and leases to total assets | 78.7587% | 1,946 |
| Net loans and leases to deposits | 99.6608% | 1,871 |
| Net loans and leases to core deposits | 121.8877% | 2,519 |
| Total domestic deposits to total assets | 79.0267% | 5,368 |
| Equity capital to assets | 10.2963% | 3,715 |
| Core capital (leverage) ratio | 10.2629% | 3,205 |
| Tier 1 risk-based capital ratio | 12.1119% | 4,731 |
| Total risk-based capital ratio | 13.3819% | 4,603 |
| Memoranda: | ||
| Average total assets | $165,763,400 | 3,618 |
| Average earning assets | $157,858,200 | 3,509 |
| Average equity | $17,197,000 | 3,700 |
| Average total loans | $135,455,000 | 3,171 |