Home > Pacific Global Bank > Performance and Condition Ratios
Pacific Global Bank, Performance and Condition Ratios
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1909% | 1,015 |
| Cost of funding earning assets | 1.3774% | 608 |
| Net interest margin | 3.8135% | 2,460 |
| Noninterest income to average assets | 0.5012% | 2,735 |
| Noninterest expense to average assets | 2.6285% | 3,098 |
| Loan and lease loss provision to assets | -0.2215% | 5,124 |
| Net operating income to assets | 1.2564% | 1,847 |
| Return on assets (ROA) | 1.2980% | 1,771 |
| Pretax return on assets | 1.7571% | 1,051 |
| Return on Equity (ROE) | 11.7360% | 1,608 |
| Retained earnings to average equity (ytd only) | 6.5632% | 1,580 |
| Net charge-offs to loans | -0.2131% | 5,062 |
| Credit loss provision to net charge-offs | 135.1955% | 1,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9319% | 3,082 |
| Assets per employee ($millions) | 5.2357% | 2,305 |
| Cash dividends to net income (ytd only)* | 44.0762% | 2,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 1,892 |
| Loan loss allowance to noncurrent loans | 783.3910% | 666 |
| Noncurrent assets plus other real estate owned to assets | 0.1314% | 3,978 |
| Noncurrent loans to loans | 0.1668% | 3,863 |
| Net loans and leases to total assets | 77.7670% | 1,118 |
| Net loans and leases to deposits | 88.2626% | 1,805 |
| Net loans and leases to core deposits | 94.2364% | 2,038 |
| Total domestic deposits to total assets | 88.1086% | 1,082 |
| Equity capital to assets | 11.2061% | 2,810 |
| Core capital (leverage) ratio | 11.0128% | 2,490 |
| Tier 1 risk-based capital ratio | 21.7634% | 1,054 |
| Total risk-based capital ratio | 23.0219% | 1,028 |
| Memoranda: | ||
| Average total assets | $218,486,400 | 2,671 |
| Average earning assets | $206,844,600 | 2,638 |
| Average equity | $24,165,000 | 2,780 |
| Average total loans | $168,035,200 | 2,427 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2264% | 987 |
| Cost of funding earning assets | 1.3810% | 610 |
| Net interest margin | 3.8454% | 2,456 |
| Noninterest income to average assets | 0.5330% | 2,546 |
| Noninterest expense to average assets | 2.5458% | 3,309 |
| Loan and lease loss provision to assets | -0.2958% | 5,227 |
| Net operating income to assets | 1.3765% | 1,543 |
| Return on assets (ROA) | 1.3765% | 1,617 |
| Pretax return on assets | 1.9254% | 817 |
| Return on Equity (ROE) | 12.4870% | 1,450 |
| Retained earnings to average equity (ytd only) | 11.1008% | 504 |
| Net charge-offs to loans | -0.2663% | 5,144 |
| Credit loss provision to net charge-offs | 145.3453% | 1,672 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.9720% | 3,478 |
| Assets per employee ($millions) | 5.2217% | 2,314 |
| Cash dividends to net income (ytd only)* | 11.1014% | 3,334 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3271% | 1,856 |
| Loan loss allowance to noncurrent loans | 1,071.2919% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.0931% | 4,250 |
| Noncurrent loans to loans | 0.1239% | 4,095 |
| Net loans and leases to total assets | 74.1454% | 1,788 |
| Net loans and leases to deposits | 84.5648% | 2,374 |
| Net loans and leases to core deposits | 93.5218% | 2,220 |
| Total domestic deposits to total assets | 87.6789% | 1,177 |
| Equity capital to assets | 11.2340% | 2,889 |
| Core capital (leverage) ratio | 11.2884% | 2,390 |
| Tier 1 risk-based capital ratio | 22.0814% | 1,061 |
| Total risk-based capital ratio | 23.3398% | 1,031 |
| Memoranda: | ||
| Average total assets | $218,133,500 | 2,703 |
| Average earning assets | $206,612,250 | 2,660 |
| Average equity | $24,045,750 | 2,804 |
| Average total loans | $166,726,000 | 2,466 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2205% | 942 |
| Cost of funding earning assets | 1.3577% | 621 |
| Net interest margin | 3.8628% | 2,360 |
| Noninterest income to average assets | 0.3815% | 3,390 |
| Noninterest expense to average assets | 2.4315% | 3,650 |
| Loan and lease loss provision to assets | -0.3704% | 5,282 |
| Net operating income to assets | 1.4130% | 1,397 |
| Return on assets (ROA) | 1.4130% | 1,449 |
| Pretax return on assets | 1.9768% | 709 |
| Return on Equity (ROE) | 12.9032% | 1,274 |
| Retained earnings to average equity (ytd only) | 10.7893% | 582 |
| Net charge-offs to loans | -0.2975% | 5,183 |
| Credit loss provision to net charge-offs | 161.9433% | 1,410 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.2155% | 3,694 |
| Assets per employee ($millions) | 5.3165% | 2,134 |
| Cash dividends to net income (ytd only)* | 16.3827% | 3,126 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3255% | 1,903 |
| Loan loss allowance to noncurrent loans | 493.8190% | 1,031 |
| Noncurrent assets plus other real estate owned to assets | 0.2029% | 3,765 |
| Noncurrent loans to loans | 0.2684% | 3,569 |
| Net loans and leases to total assets | 74.5770% | 1,789 |
| Net loans and leases to deposits | 84.6814% | 2,409 |
| Net loans and leases to core deposits | 93.7198% | 2,262 |
| Total domestic deposits to total assets | 88.0677% | 1,076 |
| Equity capital to assets | 10.9645% | 3,104 |
| Core capital (leverage) ratio | 11.0271% | 2,573 |
| Tier 1 risk-based capital ratio | 21.5238% | 1,118 |
| Total risk-based capital ratio | 22.7826% | 1,092 |
| Memoranda: | ||
| Average total assets | $216,000,330 | 2,723 |
| Average earning assets | $204,463,330 | 2,691 |
| Average equity | $23,653,000 | 2,827 |
| Average total loans | $166,061,330 | 2,481 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2664% | 808 |
| Cost of funding earning assets | 1.2882% | 681 |
| Net interest margin | 3.9782% | 1,918 |
| Noninterest income to average assets | 0.3617% | 3,432 |
| Noninterest expense to average assets | 2.4111% | 3,743 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 1.2206% | 1,985 |
| Return on assets (ROA) | 1.2206% | 2,033 |
| Pretax return on assets | 1.7085% | 1,189 |
| Return on Equity (ROE) | 11.1541% | 1,889 |
| Retained earnings to average equity (ytd only) | 6.8508% | 2,097 |
| Net charge-offs to loans | -0.3036% | 5,218 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.5277% | 4,008 |
| Assets per employee ($millions) | 5.1537% | 2,330 |
| Cash dividends to net income (ytd only)* | 38.5802% | 1,963 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5090% | 1,311 |
| Loan loss allowance to noncurrent loans | 210.6365% | 2,105 |
| Noncurrent assets plus other real estate owned to assets | 0.5516% | 2,440 |
| Noncurrent loans to loans | 0.7164% | 2,232 |
| Net loans and leases to total assets | 75.8387% | 1,517 |
| Net loans and leases to deposits | 85.9739% | 2,135 |
| Net loans and leases to core deposits | 96.2978% | 1,907 |
| Total domestic deposits to total assets | 88.2114% | 1,233 |
| Equity capital to assets | 10.8619% | 2,984 |
| Core capital (leverage) ratio | 11.1457% | 2,432 |
| Tier 1 risk-based capital ratio | 21.2106% | 1,138 |
| Total risk-based capital ratio | 22.4730% | 1,119 |
| Memoranda: | ||
| Average total assets | $212,353,500 | 2,789 |
| Average earning assets | $200,594,000 | 2,758 |
| Average equity | $23,238,000 | 2,864 |
| Average total loans | $164,710,500 | 2,515 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1930% | 711 |
| Cost of funding earning assets | 0.9579% | 897 |
| Net interest margin | 4.2351% | 1,311 |
| Noninterest income to average assets | 0.6060% | 2,258 |
| Noninterest expense to average assets | 2.7402% | 2,891 |
| Loan and lease loss provision to assets | -0.1012% | 5,270 |
| Net operating income to assets | 1.4584% | 1,245 |
| Return on assets (ROA) | 1.4584% | 1,236 |
| Pretax return on assets | 1.9556% | 619 |
| Return on Equity (ROE) | 13.2832% | 1,241 |
| Retained earnings to average equity (ytd only) | 10.9779% | 445 |
| Net charge-offs to loans | 0.1676% | 1,150 |
| Credit loss provision to net charge-offs | -76.6284% | 4,368 |
| Earnings coverage of net charge-offs (x) | 14.0345% | 2,404 |
| Efficiency ratio | 59.6408% | 3,924 |
| Assets per employee ($millions) | 4.9584% | 2,557 |
| Cash dividends to net income (ytd only)* | 17.3551% | 3,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4685% | 1,388 |
| Loan loss allowance to noncurrent loans | 209.8332% | 2,159 |
| Noncurrent assets plus other real estate owned to assets | 0.5469% | 2,410 |
| Noncurrent loans to loans | 0.6998% | 2,241 |
| Net loans and leases to total assets | 77.0025% | 1,441 |
| Net loans and leases to deposits | 87.4468% | 2,124 |
| Net loans and leases to core deposits | 96.1904% | 2,051 |
| Total domestic deposits to total assets | 88.0564% | 1,274 |
| Equity capital to assets | 11.0275% | 2,657 |
| Core capital (leverage) ratio | 11.2089% | 2,344 |
| Tier 1 risk-based capital ratio | 21.4607% | 1,104 |
| Total risk-based capital ratio | 22.7221% | 1,078 |
| Memoranda: | ||
| Average total assets | $197,540,000 | 2,896 |
| Average earning assets | $186,038,600 | 2,862 |
| Average equity | $21,689,000 | 2,920 |
| Average total loans | $155,729,600 | 2,571 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1958% | 634 |
| Cost of funding earning assets | 0.8945% | 945 |
| Net interest margin | 4.3013% | 1,108 |
| Noninterest income to average assets | 0.5310% | 2,668 |
| Noninterest expense to average assets | 2.6623% | 3,094 |
| Loan and lease loss provision to assets | -0.1368% | 5,375 |
| Net operating income to assets | 1.4718% | 1,266 |
| Return on assets (ROA) | 1.4718% | 1,268 |
| Pretax return on assets | 2.0588% | 535 |
| Return on Equity (ROE) | 13.4204% | 1,290 |
| Retained earnings to average equity (ytd only) | 11.8606% | 498 |
| Net charge-offs to loans | 0.2018% | 844 |
| Credit loss provision to net charge-offs | -85.8369% | 4,210 |
| Earnings coverage of net charge-offs (x) | 12.0558% | 2,475 |
| Efficiency ratio | 58.0746% | 4,112 |
| Assets per employee ($millions) | 4.9934% | 2,473 |
| Cash dividends to net income (ytd only)* | 11.6227% | 3,327 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5159% | 1,292 |
| Loan loss allowance to noncurrent loans | 363.6090% | 1,427 |
| Noncurrent assets plus other real estate owned to assets | 0.3329% | 3,350 |
| Noncurrent loans to loans | 0.4169% | 3,163 |
| Net loans and leases to total assets | 78.6486% | 1,225 |
| Net loans and leases to deposits | 89.2079% | 1,998 |
| Net loans and leases to core deposits | 98.1395% | 1,924 |
| Total domestic deposits to total assets | 88.1633% | 1,167 |
| Equity capital to assets | 11.1994% | 2,473 |
| Core capital (leverage) ratio | 11.4155% | 2,234 |
| Tier 1 risk-based capital ratio | 21.5345% | 1,110 |
| Total risk-based capital ratio | 22.7976% | 1,088 |
| Memoranda: | ||
| Average total assets | $194,861,750 | 2,939 |
| Average earning assets | $183,631,250 | 2,908 |
| Average equity | $21,370,000 | 2,965 |
| Average total loans | $153,974,500 | 2,613 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0989% | 663 |
| Cost of funding earning assets | 0.8515% | 906 |
| Net interest margin | 4.2474% | 1,170 |
| Noninterest income to average assets | 0.6241% | 2,210 |
| Noninterest expense to average assets | 2.7075% | 2,991 |
| Loan and lease loss provision to assets | -0.1035% | 5,426 |
| Net operating income to assets | 1.4407% | 1,308 |
| Return on assets (ROA) | 1.4407% | 1,312 |
| Pretax return on assets | 2.0162% | 584 |
| Return on Equity (ROE) | 13.2338% | 1,286 |
| Retained earnings to average equity (ytd only) | 10.8571% | 699 |
| Net charge-offs to loans | -0.0473% | 4,903 |
| Credit loss provision to net charge-offs | 277.7778% | 1,070 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.6022% | 4,137 |
| Assets per employee ($millions) | 4.8896% | 2,574 |
| Cash dividends to net income (ytd only)* | 17.9598% | 3,062 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7956% | 758 |
| Loan loss allowance to noncurrent loans | 286.4337% | 1,705 |
| Noncurrent assets plus other real estate owned to assets | 0.4975% | 2,770 |
| Noncurrent loans to loans | 0.6269% | 2,544 |
| Net loans and leases to total assets | 77.9349% | 1,327 |
| Net loans and leases to deposits | 88.1235% | 2,098 |
| Net loans and leases to core deposits | 95.6826% | 2,087 |
| Total domestic deposits to total assets | 88.4383% | 1,168 |
| Equity capital to assets | 11.0688% | 2,570 |
| Core capital (leverage) ratio | 11.2984% | 2,254 |
| Tier 1 risk-based capital ratio | 21.0952% | 1,159 |
| Total risk-based capital ratio | 22.3631% | 1,130 |
| Memoranda: | ||
| Average total assets | $193,237,670 | 2,970 |
| Average earning assets | $181,804,670 | 2,942 |
| Average equity | $21,037,000 | 3,014 |
| Average total loans | $152,130,670 | 2,643 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0358% | 646 |
| Cost of funding earning assets | 0.8049% | 928 |
| Net interest margin | 4.2309% | 1,102 |
| Noninterest income to average assets | 0.3499% | 3,804 |
| Noninterest expense to average assets | 2.7178% | 2,985 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.1517% | 2,209 |
| Return on assets (ROA) | 1.1517% | 2,221 |
| Pretax return on assets | 1.6057% | 1,380 |
| Return on Equity (ROE) | 10.6700% | 2,097 |
| Retained earnings to average equity (ytd only) | 5.8463% | 2,783 |
| Net charge-offs to loans | -0.0584% | 5,036 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8613% | 3,656 |
| Assets per employee ($millions) | 4.6551% | 2,921 |
| Cash dividends to net income (ytd only)* | 45.2080% | 1,652 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8955% | 661 |
| Loan loss allowance to noncurrent loans | 282.7756% | 1,721 |
| Noncurrent assets plus other real estate owned to assets | 0.5323% | 2,745 |
| Noncurrent loans to loans | 0.6703% | 2,540 |
| Net loans and leases to total assets | 77.9078% | 1,257 |
| Net loans and leases to deposits | 87.7732% | 1,960 |
| Net loans and leases to core deposits | 95.4298% | 2,021 |
| Total domestic deposits to total assets | 88.7603% | 1,228 |
| Equity capital to assets | 10.9269% | 2,653 |
| Core capital (leverage) ratio | 10.9996% | 2,439 |
| Tier 1 risk-based capital ratio | 20.7029% | 1,245 |
| Total risk-based capital ratio | 21.9725% | 1,220 |
| Memoranda: | ||
| Average total assets | $192,064,000 | 3,014 |
| Average earning assets | $180,387,500 | 2,987 |
| Average equity | $20,731,000 | 3,080 |
| Average total loans | $150,588,000 | 2,680 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9575% | 699 |
| Cost of funding earning assets | 0.6764% | 1,153 |
| Net interest margin | 4.2812% | 1,007 |
| Noninterest income to average assets | 0.5233% | 2,858 |
| Noninterest expense to average assets | 2.6142% | 3,402 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 1.1458% | 1,692 |
| Return on assets (ROA) | 1.1458% | 1,730 |
| Pretax return on assets | 1.9176% | 582 |
| Return on Equity (ROE) | 10.5487% | 1,657 |
| Retained earnings to average equity (ytd only) | 5.6079% | 1,767 |
| Net charge-offs to loans | -0.0084% | 4,741 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.6859% | 4,566 |
| Assets per employee ($millions) | 4.7139% | 2,846 |
| Cash dividends to net income (ytd only)* | 46.8384% | 2,476 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9056% | 641 |
| Loan loss allowance to noncurrent loans | 274.3985% | 1,764 |
| Noncurrent assets plus other real estate owned to assets | 0.5376% | 2,765 |
| Noncurrent loans to loans | 0.6945% | 2,474 |
| Net loans and leases to total assets | 75.9346% | 1,611 |
| Net loans and leases to deposits | 85.2897% | 2,347 |
| Net loans and leases to core deposits | 91.9283% | 2,383 |
| Total domestic deposits to total assets | 89.0314% | 990 |
| Equity capital to assets | 10.6623% | 2,981 |
| Core capital (leverage) ratio | 10.8218% | 2,513 |
| Tier 1 risk-based capital ratio | 20.2142% | 1,278 |
| Total risk-based capital ratio | 21.4829% | 1,241 |
| Memoranda: | ||
| Average total assets | $186,326,800 | 3,057 |
| Average earning assets | $174,461,200 | 3,015 |
| Average equity | $20,239,400 | 3,121 |
| Average total loans | $143,509,000 | 2,728 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9385% | 697 |
| Cost of funding earning assets | 0.6406% | 1,302 |
| Net interest margin | 4.2979% | 929 |
| Noninterest income to average assets | 0.5728% | 2,615 |
| Noninterest expense to average assets | 2.6675% | 3,175 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.1730% | 1,795 |
| Return on assets (ROA) | 1.1730% | 1,837 |
| Pretax return on assets | 1.9322% | 632 |
| Return on Equity (ROE) | 10.7471% | 1,798 |
| Retained earnings to average equity (ytd only) | 9.0927% | 815 |
| Net charge-offs to loans | -0.0385% | 5,085 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.9931% | 4,505 |
| Assets per employee ($millions) | 4.6600% | 2,890 |
| Cash dividends to net income (ytd only)* | 15.3943% | 3,312 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9687% | 601 |
| Loan loss allowance to noncurrent loans | 313.3841% | 1,531 |
| Noncurrent assets plus other real estate owned to assets | 0.4930% | 3,087 |
| Noncurrent loans to loans | 0.6282% | 2,822 |
| Net loans and leases to total assets | 76.9371% | 1,428 |
| Net loans and leases to deposits | 87.0560% | 2,179 |
| Net loans and leases to core deposits | 92.8028% | 2,369 |
| Total domestic deposits to total assets | 88.3765% | 1,183 |
| Equity capital to assets | 11.2200% | 2,646 |
| Core capital (leverage) ratio | 11.3304% | 2,162 |
| Tier 1 risk-based capital ratio | 20.8305% | 1,229 |
| Total risk-based capital ratio | 22.1002% | 1,190 |
| Memoranda: | ||
| Average total assets | $184,591,250 | 3,096 |
| Average earning assets | $172,948,750 | 3,063 |
| Average equity | $20,147,500 | 3,149 |
| Average total loans | $141,984,000 | 2,773 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9390% | 637 |
| Cost of funding earning assets | 0.6238% | 1,314 |
| Net interest margin | 4.3153% | 825 |
| Noninterest income to average assets | 0.4359% | 3,448 |
| Noninterest expense to average assets | 2.7045% | 3,075 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.0870% | 2,046 |
| Return on assets (ROA) | 1.0870% | 2,097 |
| Pretax return on assets | 1.7773% | 883 |
| Return on Equity (ROE) | 10.0543% | 2,015 |
| Retained earnings to average equity (ytd only) | 7.5407% | 1,334 |
| Net charge-offs to loans | -0.0555% | 5,220 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.3444% | 4,271 |
| Assets per employee ($millions) | 4.5669% | 2,997 |
| Cash dividends to net income (ytd only)* | 25.0000% | 2,933 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0366% | 564 |
| Loan loss allowance to noncurrent loans | 549.2366% | 952 |
| Noncurrent assets plus other real estate owned to assets | 0.2798% | 4,002 |
| Noncurrent loans to loans | 0.3708% | 3,700 |
| Net loans and leases to total assets | 73.9351% | 1,883 |
| Net loans and leases to deposits | 83.2536% | 2,571 |
| Net loans and leases to core deposits | 88.2682% | 2,678 |
| Total domestic deposits to total assets | 88.8071% | 1,054 |
| Equity capital to assets | 10.8319% | 2,999 |
| Core capital (leverage) ratio | 10.6836% | 2,719 |
| Tier 1 risk-based capital ratio | 20.7332% | 1,237 |
| Total risk-based capital ratio | 22.0041% | 1,205 |
| Memoranda: | ||
| Average total assets | $183,988,670 | 3,115 |
| Average earning assets | $172,503,670 | 3,080 |
| Average equity | $19,892,000 | 3,171 |
| Average total loans | $140,548,670 | 2,791 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8833% | 649 |
| Cost of funding earning assets | 0.5885% | 1,450 |
| Net interest margin | 4.2947% | 795 |
| Noninterest income to average assets | 0.4804% | 3,110 |
| Noninterest expense to average assets | 2.7835% | 2,845 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0594% | 2,033 |
| Return on assets (ROA) | 1.0594% | 2,075 |
| Pretax return on assets | 1.7306% | 935 |
| Return on Equity (ROE) | 9.8086% | 2,050 |
| Retained earnings to average equity (ytd only) | 9.8086% | 854 |
| Net charge-offs to loans | 0.0742% | 1,593 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 30.3462% | 1,212 |
| Efficiency ratio | 61.6618% | 4,201 |
| Assets per employee ($millions) | 4.5872% | 3,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9733% | 703 |
| Loan loss allowance to noncurrent loans | 507.7617% | 1,045 |
| Noncurrent assets plus other real estate owned to assets | 0.2946% | 4,019 |
| Noncurrent loans to loans | 0.3886% | 3,716 |
| Net loans and leases to total assets | 74.3013% | 1,691 |
| Net loans and leases to deposits | 83.7738% | 2,310 |
| Net loans and leases to core deposits | 88.5458% | 2,491 |
| Total domestic deposits to total assets | 88.6929% | 1,328 |
| Equity capital to assets | 10.6393% | 3,027 |
| Core capital (leverage) ratio | 10.9113% | 2,463 |
| Tier 1 risk-based capital ratio | 20.0334% | 1,382 |
| Total risk-based capital ratio | 21.3022% | 1,347 |
| Memoranda: | ||
| Average total assets | $182,361,000 | 3,155 |
| Average earning assets | $171,279,000 | 3,118 |
| Average equity | $19,697,000 | 3,206 |
| Average total loans | $140,164,500 | 2,820 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8224% | 852 |
| Cost of funding earning assets | 0.5169% | 1,961 |
| Net interest margin | 4.3056% | 922 |
| Noninterest income to average assets | 0.2678% | 4,810 |
| Noninterest expense to average assets | 2.7391% | 3,228 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 0.8945% | 2,858 |
| Return on assets (ROA) | 0.8945% | 2,975 |
| Pretax return on assets | 1.5994% | 1,282 |
| Return on Equity (ROE) | 7.9293% | 2,979 |
| Retained earnings to average equity (ytd only) | 0.2210% | 5,232 |
| Net charge-offs to loans | 0.4929% | 500 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | 4.2251% | 3,534 |
| Efficiency ratio | 63.1347% | 4,084 |
| Assets per employee ($millions) | 4.3084% | 3,422 |
| Cash dividends to net income (ytd only)* | 97.2132% | 413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0606% | 589 |
| Loan loss allowance to noncurrent loans | 332.4356% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 0.6567% | 2,752 |
| Noncurrent loans to loans | 0.6199% | 2,989 |
| Net loans and leases to total assets | 76.3867% | 1,454 |
| Net loans and leases to deposits | 86.3832% | 2,119 |
| Net loans and leases to core deposits | 90.5695% | 2,447 |
| Total domestic deposits to total assets | 88.4277% | 1,422 |
| Equity capital to assets | 10.9734% | 2,650 |
| Core capital (leverage) ratio | 10.9277% | 2,411 |
| Tier 1 risk-based capital ratio | 21.1352% | 1,184 |
| Total risk-based capital ratio | 22.4070% | 1,169 |
| Memoranda: | ||
| Average total assets | $172,503,000 | 3,255 |
| Average earning assets | $163,091,600 | 3,195 |
| Average equity | $19,459,400 | 3,222 |
| Average total loans | $132,489,000 | 2,883 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7914% | 921 |
| Cost of funding earning assets | 0.5057% | 2,053 |
| Net interest margin | 4.2858% | 956 |
| Noninterest income to average assets | 0.3017% | 4,611 |
| Noninterest expense to average assets | 2.7705% | 3,113 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.8522% | 3,138 |
| Return on assets (ROA) | 0.8522% | 3,265 |
| Pretax return on assets | 1.5909% | 1,405 |
| Return on Equity (ROE) | 7.5022% | 3,297 |
| Retained earnings to average equity (ytd only) | 0.6571% | 5,190 |
| Net charge-offs to loans | 0.1576% | 1,433 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | 13.2001% | 2,330 |
| Efficiency ratio | 63.5229% | 3,998 |
| Assets per employee ($millions) | 4.3552% | 3,324 |
| Cash dividends to net income (ytd only)* | 91.2407% | 513 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4200% | 367 |
| Loan loss allowance to noncurrent loans | 400.1199% | 1,269 |
| Noncurrent assets plus other real estate owned to assets | 0.4671% | 3,562 |
| Noncurrent loans to loans | 0.6048% | 3,202 |
| Net loans and leases to total assets | 75.3559% | 1,645 |
| Net loans and leases to deposits | 85.2846% | 2,336 |
| Net loans and leases to core deposits | 89.4935% | 2,626 |
| Total domestic deposits to total assets | 88.3581% | 1,206 |
| Equity capital to assets | 10.9850% | 3,025 |
| Core capital (leverage) ratio | 10.9807% | 2,468 |
| Tier 1 risk-based capital ratio | 21.0473% | 1,263 |
| Total risk-based capital ratio | 22.3255% | 1,234 |
| Memoranda: | ||
| Average total assets | $171,467,250 | 3,275 |
| Average earning assets | $162,425,500 | 3,211 |
| Average equity | $19,478,250 | 3,238 |
| Average total loans | $131,168,000 | 2,914 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7558% | 948 |
| Cost of funding earning assets | 0.4881% | 2,211 |
| Net interest margin | 4.2677% | 988 |
| Noninterest income to average assets | 0.3016% | 4,632 |
| Noninterest expense to average assets | 2.8409% | 2,871 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7215% | 3,691 |
| Return on assets (ROA) | 0.7215% | 3,846 |
| Pretax return on assets | 1.5044% | 1,654 |
| Return on Equity (ROE) | 6.2781% | 3,916 |
| Retained earnings to average equity (ytd only) | 1.1321% | 4,930 |
| Net charge-offs to loans | 0.1489% | 1,433 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 13.2500% | 2,140 |
| Efficiency ratio | 65.3783% | 3,778 |
| Assets per employee ($millions) | 4.1760% | 3,605 |
| Cash dividends to net income (ytd only)* | 81.9672% | 860 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5471% | 344 |
| Loan loss allowance to noncurrent loans | 399.5294% | 1,293 |
| Noncurrent assets plus other real estate owned to assets | 0.7272% | 2,801 |
| Noncurrent loans to loans | 0.6375% | 3,165 |
| Net loans and leases to total assets | 75.8870% | 1,508 |
| Net loans and leases to deposits | 86.3667% | 2,209 |
| Net loans and leases to core deposits | 90.5600% | 2,484 |
| Total domestic deposits to total assets | 87.8661% | 1,497 |
| Equity capital to assets | 11.4891% | 2,562 |
| Core capital (leverage) ratio | 11.6595% | 1,865 |
| Tier 1 risk-based capital ratio | 21.6741% | 1,173 |
| Total risk-based capital ratio | 22.9550% | 1,155 |
| Memoranda: | ||
| Average total assets | $169,102,330 | 3,319 |
| Average earning assets | $160,225,330 | 3,264 |
| Average equity | $19,432,670 | 3,255 |
| Average total loans | $128,926,000 | 2,949 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6676% | 1,112 |
| Cost of funding earning assets | 0.5047% | 2,065 |
| Net interest margin | 4.1630% | 1,189 |
| Noninterest income to average assets | 0.2952% | 4,611 |
| Noninterest expense to average assets | 2.9706% | 2,480 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.3475% | 5,159 |
| Return on assets (ROA) | 0.3475% | 5,247 |
| Pretax return on assets | 1.2711% | 2,416 |
| Return on Equity (ROE) | 3.0238% | 5,229 |
| Retained earnings to average equity (ytd only) | -7.3317% | 5,731 |
| Net charge-offs to loans | -0.0410% | 5,230 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.0337% | 3,123 |
| Assets per employee ($millions) | 4.3548% | 3,312 |
| Cash dividends to net income (ytd only)* | 342.4658% | 90 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7482% | 291 |
| Loan loss allowance to noncurrent loans | 466.7111% | 1,085 |
| Noncurrent assets plus other real estate owned to assets | 0.4538% | 3,776 |
| Noncurrent loans to loans | 0.5888% | 3,424 |
| Net loans and leases to total assets | 74.9523% | 1,561 |
| Net loans and leases to deposits | 85.4894% | 2,124 |
| Net loans and leases to core deposits | 88.6705% | 2,492 |
| Total domestic deposits to total assets | 87.6743% | 1,815 |
| Equity capital to assets | 11.5854% | 2,366 |
| Core capital (leverage) ratio | 11.2595% | 2,178 |
| Tier 1 risk-based capital ratio | 22.2952% | 1,120 |
| Total risk-based capital ratio | 23.5803% | 1,094 |
| Memoranda: | ||
| Average total assets | $168,046,000 | 3,358 |
| Average earning assets | $159,310,000 | 3,296 |
| Average equity | $19,313,500 | 3,270 |
| Average total loans | $126,726,000 | 2,990 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6720% | 1,175 |
| Cost of funding earning assets | 0.5247% | 1,960 |
| Net interest margin | 4.1473% | 1,288 |
| Noninterest income to average assets | 0.4664% | 3,553 |
| Noninterest expense to average assets | 2.8326% | 3,098 |
| Loan and lease loss provision to assets | -0.3024% | 6,063 |
| Net operating income to assets | 1.2479% | 1,391 |
| Return on assets (ROA) | 1.2479% | 1,447 |
| Pretax return on assets | 1.8467% | 732 |
| Return on Equity (ROE) | 11.0076% | 1,611 |
| Retained earnings to average equity (ytd only) | 6.7390% | 1,411 |
| Net charge-offs to loans | 0.1274% | 2,098 |
| Credit loss provision to net charge-offs | -322.5806% | 5,359 |
| Earnings coverage of net charge-offs (x) | 16.4710% | 2,126 |
| Efficiency ratio | 64.7181% | 4,128 |
| Assets per employee ($millions) | 4.2652% | 3,458 |
| Cash dividends to net income (ytd only)* | 38.7785% | 2,909 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7733% | 291 |
| Loan loss allowance to noncurrent loans | 655.1595% | 860 |
| Noncurrent assets plus other real estate owned to assets | 0.5914% | 3,313 |
| Noncurrent loans to loans | 0.4233% | 3,941 |
| Net loans and leases to total assets | 71.7557% | 2,096 |
| Net loans and leases to deposits | 81.7492% | 2,625 |
| Net loans and leases to core deposits | 84.7779% | 2,908 |
| Total domestic deposits to total assets | 87.7755% | 1,760 |
| Equity capital to assets | 11.4033% | 2,444 |
| Core capital (leverage) ratio | 11.4527% | 2,000 |
| Tier 1 risk-based capital ratio | 22.4264% | 1,094 |
| Total risk-based capital ratio | 23.7101% | 1,070 |
| Memoranda: | ||
| Average total assets | $165,322,600 | 3,373 |
| Average earning assets | $155,884,800 | 3,318 |
| Average equity | $18,741,600 | 3,290 |
| Average total loans | $121,634,000 | 3,023 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6155% | 1,292 |
| Cost of funding earning assets | 0.5377% | 1,908 |
| Net interest margin | 4.0778% | 1,470 |
| Noninterest income to average assets | 0.5252% | 3,200 |
| Noninterest expense to average assets | 2.8373% | 3,048 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.9366% | 2,772 |
| Return on assets (ROA) | 0.9366% | 2,871 |
| Pretax return on assets | 1.5292% | 1,602 |
| Return on Equity (ROE) | 8.2742% | 2,932 |
| Retained earnings to average equity (ytd only) | 2.5282% | 4,615 |
| Net charge-offs to loans | 0.1548% | 1,592 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 13.4359% | 2,332 |
| Efficiency ratio | 64.9786% | 4,068 |
| Assets per employee ($millions) | 4.1830% | 3,554 |
| Cash dividends to net income (ytd only)* | 69.4445% | 1,052 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1947% | 200 |
| Loan loss allowance to noncurrent loans | 443.7431% | 1,134 |
| Noncurrent assets plus other real estate owned to assets | 0.5397% | 3,687 |
| Noncurrent loans to loans | 0.7199% | 3,175 |
| Net loans and leases to total assets | 72.5677% | 1,972 |
| Net loans and leases to deposits | 82.5729% | 2,577 |
| Net loans and leases to core deposits | 85.9946% | 2,853 |
| Total domestic deposits to total assets | 87.8832% | 1,623 |
| Equity capital to assets | 11.1391% | 2,865 |
| Core capital (leverage) ratio | 10.9761% | 2,515 |
| Tier 1 risk-based capital ratio | 21.3512% | 1,284 |
| Total risk-based capital ratio | 22.6422% | 1,258 |
| Memoranda: | ||
| Average total assets | $164,001,250 | 3,417 |
| Average earning assets | $154,490,500 | 3,361 |
| Average equity | $18,563,250 | 3,338 |
| Average total loans | $120,564,250 | 3,064 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5296% | 1,453 |
| Cost of funding earning assets | 0.5481% | 1,837 |
| Net interest margin | 3.9815% | 1,694 |
| Noninterest income to average assets | 0.3045% | 4,775 |
| Noninterest expense to average assets | 2.8730% | 2,986 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7219% | 3,780 |
| Return on assets (ROA) | 0.7219% | 3,898 |
| Pretax return on assets | 1.1774% | 2,872 |
| Return on Equity (ROE) | 6.3436% | 3,965 |
| Retained earnings to average equity (ytd only) | 6.3436% | 2,035 |
| Net charge-offs to loans | -0.2119% | 6,037 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9306% | 3,170 |
| Assets per employee ($millions) | 4.2060% | 3,459 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5309% | 161 |
| Loan loss allowance to noncurrent loans | 322.9781% | 1,520 |
| Noncurrent assets plus other real estate owned to assets | 0.7864% | 3,028 |
| Noncurrent loans to loans | 1.0932% | 2,466 |
| Net loans and leases to total assets | 69.3912% | 2,429 |
| Net loans and leases to deposits | 78.9791% | 2,909 |
| Net loans and leases to core deposits | 82.2603% | 3,146 |
| Total domestic deposits to total assets | 87.8601% | 1,721 |
| Equity capital to assets | 11.1883% | 2,679 |
| Core capital (leverage) ratio | 11.3272% | 2,137 |
| Tier 1 risk-based capital ratio | 22.0333% | 1,207 |
| Total risk-based capital ratio | 23.3297% | 1,177 |
| Memoranda: | ||
| Average total assets | $162,894,670 | 3,456 |
| Average earning assets | $153,257,000 | 3,397 |
| Average equity | $18,538,330 | 3,352 |
| Average total loans | $118,943,000 | 3,103 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4563% | 1,590 |
| Cost of funding earning assets | 0.5541% | 1,805 |
| Net interest margin | 3.9022% | 1,889 |
| Noninterest income to average assets | 0.2946% | 4,817 |
| Noninterest expense to average assets | 2.8910% | 2,939 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.6616% | 4,002 |
| Return on assets (ROA) | 0.6616% | 4,125 |
| Pretax return on assets | 1.0785% | 3,172 |
| Return on Equity (ROE) | 5.7621% | 4,154 |
| Retained earnings to average equity (ytd only) | 5.7621% | 2,625 |
| Net charge-offs to loans | -0.1391% | 5,955 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.8302% | 3,020 |
| Assets per employee ($millions) | 4.0959% | 3,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5041% | 183 |
| Loan loss allowance to noncurrent loans | 260.7721% | 1,791 |
| Noncurrent assets plus other real estate owned to assets | 1.0054% | 2,615 |
| Noncurrent loans to loans | 1.3437% | 2,139 |
| Net loans and leases to total assets | 72.1986% | 1,773 |
| Net loans and leases to deposits | 82.2294% | 2,313 |
| Net loans and leases to core deposits | 85.7306% | 2,580 |
| Total domestic deposits to total assets | 87.8014% | 1,932 |
| Equity capital to assets | 11.6176% | 2,360 |
| Core capital (leverage) ratio | 11.4571% | 2,035 |
| Tier 1 risk-based capital ratio | 22.1365% | 1,216 |
| Total risk-based capital ratio | 23.4330% | 1,198 |
| Memoranda: | ||
| Average total assets | $160,222,500 | 3,503 |
| Average earning assets | $150,887,500 | 3,451 |
| Average equity | $18,396,000 | 3,394 |
| Average total loans | $117,906,500 | 3,126 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5234% | 1,778 |
| Cost of funding earning assets | 0.5822% | 1,929 |
| Net interest margin | 3.9412% | 2,084 |
| Noninterest income to average assets | 0.4949% | 3,552 |
| Noninterest expense to average assets | 2.7167% | 3,808 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.7213% | 558 |
| Return on assets (ROA) | 1.7213% | 570 |
| Pretax return on assets | 1.4783% | 1,623 |
| Return on Equity (ROE) | 16.3452% | 575 |
| Retained earnings to average equity (ytd only) | 16.3452% | 117 |
| Net charge-offs to loans | 0.3764% | 1,145 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 5.4088% | 3,424 |
| Efficiency ratio | 64.7608% | 4,444 |
| Assets per employee ($millions) | 4.0176% | 3,921 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.5659% | 175 |
| Loan loss allowance to noncurrent loans | 220.7025% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 1.1692% | 2,428 |
| Noncurrent loans to loans | 1.6157% | 1,814 |
| Net loans and leases to total assets | 69.7850% | 2,266 |
| Net loans and leases to deposits | 79.4548% | 2,789 |
| Net loans and leases to core deposits | 82.7697% | 3,021 |
| Total domestic deposits to total assets | 87.8299% | 1,859 |
| Equity capital to assets | 11.3463% | 2,565 |
| Core capital (leverage) ratio | 11.4471% | 2,017 |
| Tier 1 risk-based capital ratio | 21.6305% | 1,285 |
| Total risk-based capital ratio | 22.9270% | 1,253 |
| Memoranda: | ||
| Average total assets | $158,430,200 | 3,511 |
| Average earning assets | $148,736,600 | 3,464 |
| Average equity | $16,683,800 | 3,578 |
| Average total loans | $115,041,000 | 3,122 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5166% | 1,812 |
| Cost of funding earning assets | 0.5899% | 1,927 |
| Net interest margin | 3.9267% | 2,133 |
| Noninterest income to average assets | 0.5448% | 3,234 |
| Noninterest expense to average assets | 2.6689% | 3,945 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 1.5642% | 821 |
| Return on assets (ROA) | 1.5642% | 855 |
| Pretax return on assets | 1.5642% | 1,446 |
| Return on Equity (ROE) | 15.1524% | 794 |
| Retained earnings to average equity (ytd only) | 15.1524% | 196 |
| Net charge-offs to loans | 0.3684% | 1,086 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 5.8422% | 3,186 |
| Efficiency ratio | 63.0487% | 4,713 |
| Assets per employee ($millions) | 4.0185% | 3,834 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.7410% | 197 |
| Loan loss allowance to noncurrent loans | 336.1987% | 1,382 |
| Noncurrent assets plus other real estate owned to assets | 0.9297% | 3,114 |
| Noncurrent loans to loans | 1.1127% | 2,845 |
| Net loans and leases to total assets | 69.9902% | 2,193 |
| Net loans and leases to deposits | 79.3785% | 2,784 |
| Net loans and leases to core deposits | 83.6473% | 2,924 |
| Total domestic deposits to total assets | 88.1727% | 1,677 |
| Equity capital to assets | 11.0304% | 2,926 |
| Core capital (leverage) ratio | 10.6731% | 2,841 |
| Tier 1 risk-based capital ratio | 21.1834% | 1,420 |
| Total risk-based capital ratio | 22.4828% | 1,377 |
| Memoranda: | ||
| Average total assets | $157,861,500 | 3,544 |
| Average earning assets | $148,278,750 | 3,506 |
| Average equity | $16,296,250 | 3,651 |
| Average total loans | $114,727,500 | 3,148 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4922% | 1,853 |
| Cost of funding earning assets | 0.5892% | 1,986 |
| Net interest margin | 3.9030% | 2,153 |
| Noninterest income to average assets | 0.5043% | 3,453 |
| Noninterest expense to average assets | 2.6112% | 4,201 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 1.5521% | 788 |
| Return on assets (ROA) | 1.5521% | 825 |
| Pretax return on assets | 1.5521% | 1,389 |
| Return on Equity (ROE) | 15.3827% | 734 |
| Retained earnings to average equity (ytd only) | 15.3827% | 195 |
| Net charge-offs to loans | 0.2644% | 1,495 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 8.0789% | 2,540 |
| Efficiency ratio | 62.7201% | 4,908 |
| Assets per employee ($millions) | 4.1374% | 3,569 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9126% | 182 |
| Loan loss allowance to noncurrent loans | 285.6774% | 1,571 |
| Noncurrent assets plus other real estate owned to assets | 1.1924% | 2,700 |
| Noncurrent loans to loans | 1.3696% | 2,524 |
| Net loans and leases to total assets | 67.3928% | 2,515 |
| Net loans and leases to deposits | 76.8391% | 2,946 |
| Net loans and leases to core deposits | 80.3281% | 3,173 |
| Total domestic deposits to total assets | 87.7064% | 2,083 |
| Equity capital to assets | 10.3508% | 3,623 |
| Core capital (leverage) ratio | 10.4211% | 3,062 |
| Tier 1 risk-based capital ratio | 20.3266% | 1,606 |
| Total risk-based capital ratio | 21.6281% | 1,568 |
| Memoranda: | ||
| Average total assets | $158,241,330 | 3,562 |
| Average earning assets | $148,345,670 | 3,513 |
| Average equity | $15,966,000 | 3,699 |
| Average total loans | $114,985,670 | 3,153 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5341% | 1,694 |
| Cost of funding earning assets | 0.5954% | 2,011 |
| Net interest margin | 3.9386% | 1,956 |
| Noninterest income to average assets | 0.3319% | 4,717 |
| Noninterest expense to average assets | 2.7316% | 3,827 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 1.2816% | 1,264 |
| Return on assets (ROA) | 1.2816% | 1,313 |
| Pretax return on assets | 1.2816% | 2,167 |
| Return on Equity (ROE) | 12.8734% | 1,190 |
| Retained earnings to average equity (ytd only) | 12.8734% | 497 |
| Net charge-offs to loans | -0.0656% | 5,933 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.0662% | 4,170 |
| Assets per employee ($millions) | 3.9529% | 4,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.0072% | 185 |
| Loan loss allowance to noncurrent loans | 187.4847% | 2,201 |
| Noncurrent assets plus other real estate owned to assets | 1.8164% | 1,925 |
| Noncurrent loans to loans | 2.1374% | 1,713 |
| Net loans and leases to total assets | 69.6763% | 1,947 |
| Net loans and leases to deposits | 79.2918% | 2,394 |
| Net loans and leases to core deposits | 83.1777% | 2,620 |
| Total domestic deposits to total assets | 87.8733% | 2,302 |
| Equity capital to assets | 10.0472% | 3,790 |
| Core capital (leverage) ratio | 10.2214% | 3,261 |
| Tier 1 risk-based capital ratio | 19.0697% | 1,944 |
| Total risk-based capital ratio | 20.3735% | 1,893 |
| Memoranda: | ||
| Average total assets | $156,682,000 | 3,614 |
| Average earning assets | $146,446,500 | 3,580 |
| Average equity | $15,598,000 | 3,766 |
| Average total loans | $115,892,000 | 3,156 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7119% | 1,539 |
| Cost of funding earning assets | 0.6878% | 1,903 |
| Net interest margin | 4.0241% | 1,885 |
| Noninterest income to average assets | 0.3727% | 4,648 |
| Noninterest expense to average assets | 2.8057% | 3,701 |
| Loan and lease loss provision to assets | 0.3816% | 799 |
| Net operating income to assets | 0.8593% | 2,981 |
| Return on assets (ROA) | 0.8593% | 3,068 |
| Pretax return on assets | 0.9293% | 3,647 |
| Return on Equity (ROE) | 9.2448% | 2,435 |
| Retained earnings to average equity (ytd only) | 9.2448% | 725 |
| Net charge-offs to loans | 1.5536% | 298 |
| Credit loss provision to net charge-offs | 32.1371% | 4,209 |
| Earnings coverage of net charge-offs (x) | 1.1039% | 4,705 |
| Efficiency ratio | 68.1551% | 4,168 |
| Assets per employee ($millions) | 3.9808% | 3,902 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.9140% | 211 |
| Loan loss allowance to noncurrent loans | 237.4287% | 1,813 |
| Noncurrent assets plus other real estate owned to assets | 1.5124% | 2,455 |
| Noncurrent loans to loans | 1.6485% | 2,435 |
| Net loans and leases to total assets | 72.4232% | 1,610 |
| Net loans and leases to deposits | 82.1494% | 2,164 |
| Net loans and leases to core deposits | 87.3704% | 2,308 |
| Total domestic deposits to total assets | 88.1604% | 2,082 |
| Equity capital to assets | 9.8615% | 3,953 |
| Core capital (leverage) ratio | 9.8591% | 3,759 |
| Tier 1 risk-based capital ratio | 18.3522% | 2,133 |
| Total risk-based capital ratio | 19.6542% | 2,073 |
| Memoranda: | ||
| Average total assets | $157,213,600 | 3,597 |
| Average earning assets | $146,268,800 | 3,570 |
| Average equity | $14,613,600 | 3,941 |
| Average total loans | $120,169,400 | 3,033 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7090% | 1,573 |
| Cost of funding earning assets | 0.7095% | 1,889 |
| Net interest margin | 3.9995% | 1,944 |
| Noninterest income to average assets | 0.1902% | 6,050 |
| Noninterest expense to average assets | 2.7925% | 3,686 |
| Loan and lease loss provision to assets | 0.5073% | 533 |
| Net operating income to assets | 0.5664% | 4,494 |
| Return on assets (ROA) | 0.5664% | 4,645 |
| Pretax return on assets | 0.6079% | 4,985 |
| Return on Equity (ROE) | 6.1866% | 4,088 |
| Retained earnings to average equity (ytd only) | 6.1866% | 2,292 |
| Net charge-offs to loans | 1.4473% | 332 |
| Credit loss provision to net charge-offs | 45.6969% | 3,603 |
| Earnings coverage of net charge-offs (x) | 1.0046% | 4,511 |
| Efficiency ratio | 71.4626% | 3,517 |
| Assets per employee ($millions) | 3.9053% | 4,028 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3195% | 190 |
| Loan loss allowance to noncurrent loans | 164.4986% | 2,362 |
| Noncurrent assets plus other real estate owned to assets | 2.6291% | 1,438 |
| Noncurrent loans to loans | 2.6259% | 1,613 |
| Net loans and leases to total assets | 72.8003% | 1,484 |
| Net loans and leases to deposits | 82.7936% | 2,031 |
| Net loans and leases to core deposits | 87.3622% | 2,245 |
| Total domestic deposits to total assets | 87.9298% | 2,177 |
| Equity capital to assets | 9.4161% | 4,649 |
| Core capital (leverage) ratio | 9.2958% | 4,698 |
| Tier 1 risk-based capital ratio | 16.8702% | 2,764 |
| Total risk-based capital ratio | 18.1781% | 2,703 |
| Memoranda: | ||
| Average total assets | $157,704,500 | 3,631 |
| Average earning assets | $146,581,750 | 3,597 |
| Average equity | $14,439,500 | 4,030 |
| Average total loans | $120,957,500 | 3,042 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6901% | 1,595 |
| Cost of funding earning assets | 0.7235% | 1,897 |
| Net interest margin | 3.9666% | 1,982 |
| Noninterest income to average assets | 0.1795% | 6,134 |
| Noninterest expense to average assets | 2.7623% | 3,811 |
| Loan and lease loss provision to assets | 0.5689% | 453 |
| Net operating income to assets | 0.4968% | 4,814 |
| Return on assets (ROA) | 0.4968% | 4,989 |
| Pretax return on assets | 0.5284% | 5,272 |
| Return on Equity (ROE) | 5.4775% | 4,473 |
| Retained earnings to average equity (ytd only) | 5.4775% | 2,756 |
| Net charge-offs to loans | 0.8253% | 761 |
| Credit loss provision to net charge-offs | 89.6414% | 2,451 |
| Earnings coverage of net charge-offs (x) | 1.7291% | 3,956 |
| Efficiency ratio | 71.5689% | 3,546 |
| Assets per employee ($millions) | 4.0072% | 3,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8364% | 134 |
| Loan loss allowance to noncurrent loans | 134.9558% | 2,741 |
| Noncurrent assets plus other real estate owned to assets | 3.6703% | 1,011 |
| Noncurrent loans to loans | 3.5837% | 1,158 |
| Net loans and leases to total assets | 72.9626% | 1,409 |
| Net loans and leases to deposits | 83.1578% | 1,907 |
| Net loans and leases to core deposits | 87.6853% | 2,143 |
| Total domestic deposits to total assets | 87.7400% | 2,422 |
| Equity capital to assets | 9.2513% | 4,921 |
| Core capital (leverage) ratio | 9.0596% | 4,897 |
| Tier 1 risk-based capital ratio | 16.3460% | 3,010 |
| Total risk-based capital ratio | 17.6629% | 2,936 |
| Memoranda: | ||
| Average total assets | $158,202,330 | 3,646 |
| Average earning assets | $146,777,330 | 3,613 |
| Average equity | $14,349,670 | 4,082 |
| Average total loans | $121,658,000 | 3,032 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6706% | 1,618 |
| Cost of funding earning assets | 0.7217% | 2,051 |
| Net interest margin | 3.9489% | 1,951 |
| Noninterest income to average assets | 0.0854% | 6,630 |
| Noninterest expense to average assets | 2.5508% | 4,566 |
| Loan and lease loss provision to assets | 0.7539% | 296 |
| Net operating income to assets | 0.4247% | 5,029 |
| Return on assets (ROA) | 0.4247% | 5,180 |
| Pretax return on assets | 0.4247% | 5,486 |
| Return on Equity (ROE) | 4.7288% | 4,720 |
| Retained earnings to average equity (ytd only) | 4.7288% | 3,400 |
| Net charge-offs to loans | 1.3347% | 418 |
| Credit loss provision to net charge-offs | 73.3496% | 2,245 |
| Earnings coverage of net charge-offs (x) | 1.1467% | 3,448 |
| Efficiency ratio | 68.3962% | 4,240 |
| Assets per employee ($millions) | 4.0812% | 3,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.6640% | 175 |
| Loan loss allowance to noncurrent loans | 164.3655% | 2,218 |
| Noncurrent assets plus other real estate owned to assets | 3.4247% | 1,253 |
| Noncurrent loans to loans | 2.8376% | 1,786 |
| Net loans and leases to total assets | 73.6904% | 1,118 |
| Net loans and leases to deposits | 84.2703% | 1,562 |
| Net loans and leases to core deposits | 90.8387% | 1,624 |
| Total domestic deposits to total assets | 87.4452% | 2,663 |
| Equity capital to assets | 9.0271% | 5,451 |
| Core capital (leverage) ratio | 8.9844% | 4,912 |
| Tier 1 risk-based capital ratio | 15.4585% | 3,549 |
| Total risk-based capital ratio | 16.7710% | 3,476 |
| Memoranda: | ||
| Average total assets | $159,163,500 | 3,662 |
| Average earning assets | $146,877,500 | 3,647 |
| Average equity | $14,295,500 | 4,137 |
| Average total loans | $122,576,500 | 3,036 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8986% | 1,844 |
| Cost of funding earning assets | 0.7968% | 2,690 |
| Net interest margin | 4.1018% | 1,993 |
| Noninterest income to average assets | 0.4606% | 4,171 |
| Noninterest expense to average assets | 2.7123% | 4,356 |
| Loan and lease loss provision to assets | 2.0396% | 98 |
| Net operating income to assets | -0.5146% | 6,576 |
| Return on assets (ROA) | -0.4443% | 6,584 |
| Pretax return on assets | -0.4443% | 6,547 |
| Return on Equity (ROE) | -5.0149% | 6,594 |
| Retained earnings to average equity (ytd only) | -5.0149% | 6,426 |
| Net charge-offs to loans | 3.0062% | 168 |
| Credit loss provision to net charge-offs | 87.8378% | 3,556 |
| Earnings coverage of net charge-offs (x) | 0.6568% | 5,155 |
| Efficiency ratio | 64.0107% | 4,885 |
| Assets per employee ($millions) | 4.1884% | 3,568 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7877% | 149 |
| Loan loss allowance to noncurrent loans | 161.4747% | 2,232 |
| Noncurrent assets plus other real estate owned to assets | 3.7974% | 1,156 |
| Noncurrent loans to loans | 2.9650% | 1,764 |
| Net loans and leases to total assets | 73.0568% | 1,326 |
| Net loans and leases to deposits | 83.8046% | 1,775 |
| Net loans and leases to core deposits | 91.4157% | 1,685 |
| Total domestic deposits to total assets | 87.1753% | 2,722 |
| Equity capital to assets | 8.9362% | 5,597 |
| Core capital (leverage) ratio | 8.7526% | 5,253 |
| Tier 1 risk-based capital ratio | 15.1614% | 3,632 |
| Total risk-based capital ratio | 16.4751% | 3,542 |
| Memoranda: | ||
| Average total assets | $159,346,000 | 3,631 |
| Average earning assets | $146,716,800 | 3,613 |
| Average equity | $14,117,800 | 4,135 |
| Average total loans | $123,079,000 | 3,022 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9022% | 2,000 |
| Cost of funding earning assets | 0.8181% | 2,790 |
| Net interest margin | 4.0841% | 2,150 |
| Noninterest income to average assets | 0.1255% | 6,509 |
| Noninterest expense to average assets | 2.5764% | 4,820 |
| Loan and lease loss provision to assets | 2.0285% | 115 |
| Net operating income to assets | -0.7169% | 6,783 |
| Return on assets (ROA) | -0.6508% | 6,786 |
| Pretax return on assets | -0.6508% | 6,765 |
| Return on Equity (ROE) | -7.3612% | 6,794 |
| Retained earnings to average equity (ytd only) | -7.3612% | 6,729 |
| Net charge-offs to loans | 3.8328% | 98 |
| Credit loss provision to net charge-offs | 68.4062% | 3,949 |
| Earnings coverage of net charge-offs (x) | 0.4423% | 5,100 |
| Efficiency ratio | 66.2651% | 4,404 |
| Assets per employee ($millions) | 4.2224% | 3,422 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.3075% | 244 |
| Loan loss allowance to noncurrent loans | 128.8131% | 2,605 |
| Noncurrent assets plus other real estate owned to assets | 4.4194% | 1,054 |
| Noncurrent loans to loans | 3.3440% | 1,643 |
| Net loans and leases to total assets | 71.6797% | 1,607 |
| Net loans and leases to deposits | 82.4019% | 2,064 |
| Net loans and leases to core deposits | 90.2627% | 1,956 |
| Total domestic deposits to total assets | 86.9878% | 2,675 |
| Equity capital to assets | 8.8644% | 5,963 |
| Core capital (leverage) ratio | 8.5774% | 5,656 |
| Tier 1 risk-based capital ratio | 15.0018% | 3,850 |
| Total risk-based capital ratio | 16.3059% | 3,761 |
| Memoranda: | ||
| Average total assets | $159,392,250 | 3,671 |
| Average earning assets | $146,843,000 | 3,646 |
| Average equity | $14,091,500 | 4,178 |
| Average total loans | $123,317,500 | 3,047 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9620% | 1,896 |
| Cost of funding earning assets | 0.8441% | 2,845 |
| Net interest margin | 4.1180% | 2,020 |
| Noninterest income to average assets | 0.0050% | 6,976 |
| Noninterest expense to average assets | 2.4572% | 5,271 |
| Loan and lease loss provision to assets | 2.0121% | 142 |
| Net operating income to assets | -0.6728% | 6,808 |
| Return on assets (ROA) | -0.5734% | 6,795 |
| Pretax return on assets | -0.5734% | 6,762 |
| Return on Equity (ROE) | -6.4922% | 6,818 |
| Retained earnings to average equity (ytd only) | -6.4922% | 6,698 |
| Net charge-offs to loans | 3.3338% | 166 |
| Credit loss provision to net charge-offs | 77.1828% | 3,398 |
| Earnings coverage of net charge-offs (x) | 0.5137% | 4,816 |
| Efficiency ratio | 64.7234% | 4,757 |
| Assets per employee ($millions) | 4.2021% | 3,452 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.8042% | 193 |
| Loan loss allowance to noncurrent loans | 99.1319% | 3,221 |
| Noncurrent assets plus other real estate owned to assets | 5.7377% | 760 |
| Noncurrent loans to loans | 4.8462% | 1,047 |
| Net loans and leases to total assets | 70.4190% | 1,845 |
| Net loans and leases to deposits | 81.6985% | 2,153 |
| Net loans and leases to core deposits | 90.2524% | 1,959 |
| Total domestic deposits to total assets | 86.1937% | 3,253 |
| Equity capital to assets | 8.8314% | 5,873 |
| Core capital (leverage) ratio | 8.7185% | 5,348 |
| Tier 1 risk-based capital ratio | 14.9044% | 3,827 |
| Total risk-based capital ratio | 16.2148% | 3,739 |
| Memoranda: | ||
| Average total assets | $159,039,670 | 3,684 |
| Average earning assets | $146,432,000 | 3,667 |
| Average equity | $14,047,670 | 4,187 |
| Average total loans | $124,361,000 | 3,038 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9242% | 2,156 |
| Cost of funding earning assets | 0.8664% | 2,947 |
| Net interest margin | 4.0578% | 2,267 |
| Noninterest income to average assets | 0.2018% | 6,180 |
| Noninterest expense to average assets | 2.4288% | 5,376 |
| Loan and lease loss provision to assets | 1.9793% | 142 |
| Net operating income to assets | -0.4623% | 6,806 |
| Return on assets (ROA) | -0.4623% | 6,833 |
| Pretax return on assets | -0.4623% | 6,804 |
| Return on Equity (ROE) | -5.2331% | 6,858 |
| Retained earnings to average equity (ytd only) | -5.2331% | 6,597 |
| Net charge-offs to loans | 2.0615% | 449 |
| Credit loss provision to net charge-offs | 119.4145% | 1,993 |
| Earnings coverage of net charge-offs (x) | 0.9153% | 3,871 |
| Efficiency ratio | 61.5534% | 5,360 |
| Assets per employee ($millions) | 4.2216% | 3,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.1635% | 152 |
| Loan loss allowance to noncurrent loans | 75.8592% | 3,817 |
| Noncurrent assets plus other real estate owned to assets | 7.1899% | 575 |
| Noncurrent loans to loans | 6.8067% | 678 |
| Net loans and leases to total assets | 73.5387% | 1,135 |
| Net loans and leases to deposits | 85.1628% | 1,516 |
| Net loans and leases to core deposits | 94.8487% | 1,385 |
| Total domestic deposits to total assets | 86.3507% | 3,333 |
| Equity capital to assets | 8.6093% | 5,985 |
| Core capital (leverage) ratio | 8.6456% | 5,387 |
| Tier 1 risk-based capital ratio | 13.8639% | 4,558 |
| Total risk-based capital ratio | 15.1803% | 4,488 |
| Memoranda: | ||
| Average total assets | $156,618,500 | 3,751 |
| Average earning assets | $144,512,000 | 3,731 |
| Average equity | $13,835,000 | 4,230 |
| Average total loans | $125,927,500 | 3,025 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0532% | 2,639 |
| Cost of funding earning assets | 0.9735% | 3,552 |
| Net interest margin | 4.0797% | 2,530 |
| Noninterest income to average assets | 0.5935% | 3,201 |
| Noninterest expense to average assets | 2.7803% | 4,425 |
| Loan and lease loss provision to assets | 2.8033% | 141 |
| Net operating income to assets | -1.7316% | 6,969 |
| Return on assets (ROA) | -1.7279% | 6,984 |
| Pretax return on assets | -1.2019% | 6,814 |
| Return on Equity (ROE) | -17.9858% | 6,952 |
| Retained earnings to average equity (ytd only) | -17.9858% | 6,937 |
| Net charge-offs to loans | 2.9635% | 330 |
| Credit loss provision to net charge-offs | 115.7787% | 2,812 |
| Earnings coverage of net charge-offs (x) | 0.6598% | 5,326 |
| Efficiency ratio | 63.5076% | 5,212 |
| Assets per employee ($millions) | 4.1302% | 3,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9403% | 182 |
| Loan loss allowance to noncurrent loans | 62.9008% | 4,357 |
| Noncurrent assets plus other real estate owned to assets | 7.7085% | 551 |
| Noncurrent loans to loans | 7.8541% | 521 |
| Net loans and leases to total assets | 79.2871% | 567 |
| Net loans and leases to deposits | 93.8078% | 824 |
| Net loans and leases to core deposits | 104.8857% | 846 |
| Total domestic deposits to total assets | 84.5208% | 4,080 |
| Equity capital to assets | 9.0690% | 5,468 |
| Core capital (leverage) ratio | 8.7936% | 5,114 |
| Tier 1 risk-based capital ratio | 14.4244% | 4,027 |
| Total risk-based capital ratio | 15.7410% | 3,964 |
| Memoranda: | ||
| Average total assets | $161,239,400 | 3,614 |
| Average earning assets | $149,568,200 | 3,584 |
| Average equity | $15,490,000 | 3,821 |
| Average total loans | $131,734,200 | 2,958 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0579% | 2,815 |
| Cost of funding earning assets | 0.9903% | 3,745 |
| Net interest margin | 4.0676% | 2,612 |
| Noninterest income to average assets | 0.2661% | 5,714 |
| Noninterest expense to average assets | 2.7581% | 4,504 |
| Loan and lease loss provision to assets | 2.7548% | 136 |
| Net operating income to assets | -1.1171% | 6,926 |
| Return on assets (ROA) | -1.1134% | 6,951 |
| Pretax return on assets | -1.4635% | 7,010 |
| Return on Equity (ROE) | -11.4395% | 6,932 |
| Retained earnings to average equity (ytd only) | -11.4395% | 6,899 |
| Net charge-offs to loans | 2.2359% | 548 |
| Credit loss provision to net charge-offs | 151.5492% | 2,057 |
| Earnings coverage of net charge-offs (x) | 0.7077% | 5,095 |
| Efficiency ratio | 68.1937% | 4,277 |
| Assets per employee ($millions) | 4.2335% | 3,392 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2751% | 152 |
| Loan loss allowance to noncurrent loans | 59.2024% | 4,502 |
| Noncurrent assets plus other real estate owned to assets | 7.8805% | 567 |
| Noncurrent loans to loans | 8.9103% | 442 |
| Net loans and leases to total assets | 78.2865% | 686 |
| Net loans and leases to deposits | 94.0096% | 838 |
| Net loans and leases to core deposits | 104.5431% | 953 |
| Total domestic deposits to total assets | 83.2750% | 4,572 |
| Equity capital to assets | 9.7440% | 4,713 |
| Core capital (leverage) ratio | 8.6432% | 5,488 |
| Tier 1 risk-based capital ratio | 14.5258% | 3,954 |
| Total risk-based capital ratio | 15.8489% | 3,880 |
| Memoranda: | ||
| Average total assets | $163,344,750 | 3,617 |
| Average earning assets | $151,733,250 | 3,573 |
| Average equity | $15,897,750 | 3,760 |
| Average total loans | $132,802,250 | 2,958 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0377% | 2,979 |
| Cost of funding earning assets | 1.0008% | 3,944 |
| Net interest margin | 4.0369% | 2,663 |
| Noninterest income to average assets | 0.2222% | 6,082 |
| Noninterest expense to average assets | 2.7902% | 4,464 |
| Loan and lease loss provision to assets | 2.7177% | 180 |
| Net operating income to assets | -1.0037% | 6,943 |
| Return on assets (ROA) | -0.9989% | 6,949 |
| Pretax return on assets | -1.5171% | 7,077 |
| Return on Equity (ROE) | -10.2673% | 6,949 |
| Retained earnings to average equity (ytd only) | -10.2673% | 6,892 |
| Net charge-offs to loans | 0.9872% | 1,591 |
| Credit loss provision to net charge-offs | 340.3933% | 897 |
| Earnings coverage of net charge-offs (x) | 1.4947% | 4,168 |
| Efficiency ratio | 70.0424% | 4,116 |
| Assets per employee ($millions) | 3.9282% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.5515% | 141 |
| Loan loss allowance to noncurrent loans | 56.0092% | 4,674 |
| Noncurrent assets plus other real estate owned to assets | 8.4560% | 519 |
| Noncurrent loans to loans | 9.9118% | 390 |
| Net loans and leases to total assets | 74.9679% | 1,248 |
| Net loans and leases to deposits | 86.7016% | 1,692 |
| Net loans and leases to core deposits | 96.0780% | 1,675 |
| Total domestic deposits to total assets | 86.4666% | 3,062 |
| Equity capital to assets | 9.5300% | 4,772 |
| Core capital (leverage) ratio | 8.8506% | 4,962 |
| Tier 1 risk-based capital ratio | 14.5186% | 3,770 |
| Total risk-based capital ratio | 15.8436% | 3,705 |
| Memoranda: | ||
| Average total assets | $165,579,670 | 3,600 |
| Average earning assets | $154,275,330 | 3,558 |
| Average equity | $16,109,330 | 3,715 |
| Average total loans | $133,917,330 | 2,965 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9582% | 3,295 |
| Cost of funding earning assets | 1.0418% | 3,912 |
| Net interest margin | 3.9164% | 3,064 |
| Noninterest income to average assets | 0.1519% | 6,632 |
| Noninterest expense to average assets | 2.6646% | 4,981 |
| Loan and lease loss provision to assets | 2.7128% | 184 |
| Net operating income to assets | -0.9352% | 7,022 |
| Return on assets (ROA) | -0.9260% | 7,022 |
| Pretax return on assets | -1.5578% | 7,180 |
| Return on Equity (ROE) | -9.4219% | 7,012 |
| Retained earnings to average equity (ytd only) | -9.4219% | 6,839 |
| Net charge-offs to loans | 0.3663% | 2,599 |
| Credit loss provision to net charge-offs | 907.2581% | 416 |
| Earnings coverage of net charge-offs (x) | 3.8145% | 2,625 |
| Efficiency ratio | 70.0253% | 4,267 |
| Assets per employee ($millions) | 3.8536% | 4,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.9832% | 194 |
| Loan loss allowance to noncurrent loans | 54.6227% | 4,723 |
| Noncurrent assets plus other real estate owned to assets | 7.9265% | 605 |
| Noncurrent loans to loans | 9.1229% | 482 |
| Net loans and leases to total assets | 78.7204% | 652 |
| Net loans and leases to deposits | 91.6097% | 1,056 |
| Net loans and leases to core deposits | 102.2200% | 1,185 |
| Total domestic deposits to total assets | 85.9302% | 3,562 |
| Equity capital to assets | 9.9493% | 3,841 |
| Core capital (leverage) ratio | 9.0607% | 4,507 |
| Tier 1 risk-based capital ratio | 14.5001% | 3,739 |
| Total risk-based capital ratio | 15.8158% | 3,659 |
| Memoranda: | ||
| Average total assets | $165,877,500 | 3,622 |
| Average earning assets | $154,733,000 | 3,568 |
| Average equity | $16,302,500 | 3,675 |
| Average total loans | $135,398,500 | 2,977 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3305% | 2,976 |
| Cost of funding earning assets | 1.2885% | 3,959 |
| Net interest margin | 4.0420% | 2,833 |
| Noninterest income to average assets | 1.0972% | 1,235 |
| Noninterest expense to average assets | 2.7017% | 4,980 |
| Loan and lease loss provision to assets | 4.0849% | 153 |
| Net operating income to assets | -1.2463% | 6,805 |
| Return on assets (ROA) | -1.2463% | 6,828 |
| Pretax return on assets | -1.9049% | 6,994 |
| Return on Equity (ROE) | -12.4091% | 6,825 |
| Retained earnings to average equity (ytd only) | -12.4091% | 6,775 |
| Net charge-offs to loans | 2.6275% | 695 |
| Credit loss provision to net charge-offs | 187.3840% | 1,742 |
| Earnings coverage of net charge-offs (x) | 1.0000% | 5,112 |
| Efficiency ratio | 55.3438% | 6,672 |
| Assets per employee ($millions) | 4.0454% | 3,691 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.1556% | 351 |
| Loan loss allowance to noncurrent loans | 57.9990% | 4,542 |
| Noncurrent assets plus other real estate owned to assets | 6.2029% | 937 |
| Noncurrent loans to loans | 7.1650% | 777 |
| Net loans and leases to total assets | 77.1166% | 1,069 |
| Net loans and leases to deposits | 90.1848% | 1,499 |
| Net loans and leases to core deposits | 101.5131% | 1,490 |
| Total domestic deposits to total assets | 85.5095% | 3,595 |
| Equity capital to assets | 9.7125% | 4,108 |
| Core capital (leverage) ratio | 9.1381% | 4,286 |
| Tier 1 risk-based capital ratio | 14.6827% | 3,433 |
| Total risk-based capital ratio | 15.9833% | 3,368 |
| Memoranda: | ||
| Average total assets | $173,076,200 | 3,483 |
| Average earning assets | $162,047,400 | 3,411 |
| Average equity | $17,382,400 | 3,522 |
| Average total loans | $143,597,000 | 2,874 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3596% | 3,080 |
| Cost of funding earning assets | 1.3340% | 4,020 |
| Net interest margin | 4.0256% | 2,980 |
| Noninterest income to average assets | 1.1886% | 992 |
| Noninterest expense to average assets | 2.5942% | 5,348 |
| Loan and lease loss provision to assets | 3.6962% | 182 |
| Net operating income to assets | -0.8144% | 6,798 |
| Return on assets (ROA) | -0.8144% | 6,835 |
| Pretax return on assets | -1.3297% | 6,987 |
| Return on Equity (ROE) | -8.0441% | 6,838 |
| Retained earnings to average equity (ytd only) | -8.0441% | 6,774 |
| Net charge-offs to loans | 0.8175% | 2,412 |
| Credit loss provision to net charge-offs | 540.9652% | 532 |
| Earnings coverage of net charge-offs (x) | 3.4635% | 3,438 |
| Efficiency ratio | 52.2956% | 6,951 |
| Assets per employee ($millions) | 4.2139% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5065% | 247 |
| Loan loss allowance to noncurrent loans | 56.3057% | 4,540 |
| Noncurrent assets plus other real estate owned to assets | 7.0482% | 764 |
| Noncurrent loans to loans | 8.0037% | 648 |
| Net loans and leases to total assets | 77.4287% | 1,141 |
| Net loans and leases to deposits | 91.2578% | 1,542 |
| Net loans and leases to core deposits | 103.9854% | 1,488 |
| Total domestic deposits to total assets | 84.8462% | 3,699 |
| Equity capital to assets | 10.2450% | 3,824 |
| Core capital (leverage) ratio | 10.0289% | 3,224 |
| Tier 1 risk-based capital ratio | 15.9002% | 2,809 |
| Total risk-based capital ratio | 17.2057% | 2,735 |
| Memoranda: | ||
| Average total assets | $173,869,000 | 3,514 |
| Average earning assets | $162,919,750 | 3,445 |
| Average equity | $17,602,500 | 3,534 |
| Average total loans | $145,319,750 | 2,890 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4445% | 2,774 |
| Cost of funding earning assets | 1.3859% | 3,964 |
| Net interest margin | 4.0586% | 2,756 |
| Noninterest income to average assets | 0.6600% | 2,956 |
| Noninterest expense to average assets | 2.6022% | 5,316 |
| Loan and lease loss provision to assets | 2.2613% | 520 |
| Net operating income to assets | -0.2376% | 6,398 |
| Return on assets (ROA) | -0.2376% | 6,441 |
| Pretax return on assets | -0.3983% | 6,508 |
| Return on Equity (ROE) | -2.3563% | 6,450 |
| Retained earnings to average equity (ytd only) | -2.3563% | 6,199 |
| Net charge-offs to loans | 0.5739% | 2,814 |
| Credit loss provision to net charge-offs | 466.8246% | 789 |
| Earnings coverage of net charge-offs (x) | 3.8460% | 3,155 |
| Efficiency ratio | 58.2776% | 6,338 |
| Assets per employee ($millions) | 4.4350% | 2,995 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7271% | 1,061 |
| Loan loss allowance to noncurrent loans | 42.2070% | 5,515 |
| Noncurrent assets plus other real estate owned to assets | 5.6686% | 1,067 |
| Noncurrent loans to loans | 6.4613% | 930 |
| Net loans and leases to total assets | 79.0590% | 943 |
| Net loans and leases to deposits | 93.1726% | 1,376 |
| Net loans and leases to core deposits | 106.7108% | 1,390 |
| Total domestic deposits to total assets | 84.8521% | 3,705 |
| Equity capital to assets | 10.4330% | 3,494 |
| Core capital (leverage) ratio | 10.2977% | 2,824 |
| Tier 1 risk-based capital ratio | 16.2600% | 2,568 |
| Total risk-based capital ratio | 17.5372% | 2,509 |
| Memoranda: | ||
| Average total assets | $174,236,000 | 3,532 |
| Average earning assets | $163,356,330 | 3,455 |
| Average equity | $17,570,000 | 3,536 |
| Average total loans | $147,064,670 | 2,882 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5500% | 2,361 |
| Cost of funding earning assets | 1.4640% | 3,782 |
| Net interest margin | 4.0860% | 2,504 |
| Noninterest income to average assets | 0.5607% | 3,557 |
| Noninterest expense to average assets | 2.5739% | 5,460 |
| Loan and lease loss provision to assets | 1.7376% | 651 |
| Net operating income to assets | 0.0602% | 6,128 |
| Return on assets (ROA) | 0.0602% | 6,239 |
| Pretax return on assets | 0.0834% | 6,179 |
| Return on Equity (ROE) | 0.6082% | 6,233 |
| Retained earnings to average equity (ytd only) | 0.6082% | 5,579 |
| Net charge-offs to loans | 0.6114% | 2,288 |
| Credit loss provision to net charge-offs | 330.3965% | 1,203 |
| Earnings coverage of net charge-offs (x) | 3.4626% | 2,905 |
| Efficiency ratio | 58.5662% | 6,400 |
| Assets per employee ($millions) | 4.3218% | 3,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9727% | 2,259 |
| Loan loss allowance to noncurrent loans | 35.5858% | 6,005 |
| Noncurrent assets plus other real estate owned to assets | 4.8648% | 1,344 |
| Noncurrent loans to loans | 5.5434% | 1,255 |
| Net loans and leases to total assets | 81.5258% | 641 |
| Net loans and leases to deposits | 95.5208% | 1,166 |
| Net loans and leases to core deposits | 111.9196% | 1,169 |
| Total domestic deposits to total assets | 85.3487% | 3,485 |
| Equity capital to assets | 9.6714% | 4,268 |
| Core capital (leverage) ratio | 9.9653% | 3,207 |
| Tier 1 risk-based capital ratio | 14.7415% | 3,233 |
| Total risk-based capital ratio | 16.0070% | 3,190 |
| Memoranda: | ||
| Average total assets | $172,655,000 | 3,617 |
| Average earning assets | $162,018,500 | 3,530 |
| Average equity | $17,101,000 | 3,634 |
| Average total loans | $148,506,500 | 2,922 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1611% | 1,343 |
| Cost of funding earning assets | 2.0696% | 2,632 |
| Net interest margin | 4.0915% | 2,494 |
| Noninterest income to average assets | 0.8746% | 2,054 |
| Noninterest expense to average assets | 2.4814% | 6,202 |
| Loan and lease loss provision to assets | 1.7632% | 1,294 |
| Net operating income to assets | 0.2942% | 4,556 |
| Return on assets (ROA) | 0.2915% | 4,655 |
| Pretax return on assets | 0.4626% | 4,312 |
| Return on Equity (ROE) | 2.9502% | 4,522 |
| Retained earnings to average equity (ytd only) | 2.9502% | 3,106 |
| Net charge-offs to loans | 1.7239% | 1,456 |
| Credit loss provision to net charge-offs | 116.0093% | 4,681 |
| Earnings coverage of net charge-offs (x) | 1.4671% | 4,658 |
| Efficiency ratio | 52.6697% | 7,338 |
| Assets per employee ($millions) | 4.1004% | 3,615 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5931% | 3,307 |
| Loan loss allowance to noncurrent loans | 43.7351% | 5,493 |
| Noncurrent assets plus other real estate owned to assets | 3.5101% | 1,912 |
| Noncurrent loans to loans | 3.6425% | 2,070 |
| Net loans and leases to total assets | 87.5961% | 193 |
| Net loans and leases to deposits | 104.4722% | 628 |
| Net loans and leases to core deposits | 123.7700% | 1,652 |
| Total domestic deposits to total assets | 83.8464% | 4,103 |
| Equity capital to assets | 10.1507% | 3,561 |
| Core capital (leverage) ratio | 9.8894% | 3,215 |
| Tier 1 risk-based capital ratio | 14.6263% | 3,144 |
| Total risk-based capital ratio | 15.8864% | 3,091 |
| Memoranda: | ||
| Average total assets | $170,142,600 | 3,609 |
| Average earning assets | $159,549,400 | 3,529 |
| Average equity | $16,812,200 | 3,709 |
| Average total loans | $150,012,400 | 2,911 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1140% | 1,600 |
| Cost of funding earning assets | 2.1723% | 2,543 |
| Net interest margin | 3.9417% | 3,077 |
| Noninterest income to average assets | 0.8618% | 2,137 |
| Noninterest expense to average assets | 2.5424% | 5,930 |
| Loan and lease loss provision to assets | 0.9766% | 1,962 |
| Net operating income to assets | 0.6496% | 3,408 |
| Return on assets (ROA) | 0.6446% | 3,493 |
| Pretax return on assets | 1.0337% | 2,797 |
| Return on Equity (ROE) | 6.5674% | 3,273 |
| Retained earnings to average equity (ytd only) | 6.5674% | 1,678 |
| Net charge-offs to loans | 0.3624% | 3,840 |
| Credit loss provision to net charge-offs | 306.3725% | 1,347 |
| Earnings coverage of net charge-offs (x) | 6.3308% | 2,626 |
| Efficiency ratio | 55.7478% | 7,036 |
| Assets per employee ($millions) | 4.3600% | 3,105 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8586% | 2,137 |
| Loan loss allowance to noncurrent loans | 39.6112% | 5,708 |
| Noncurrent assets plus other real estate owned to assets | 4.3286% | 1,424 |
| Noncurrent loans to loans | 4.6921% | 1,464 |
| Net loans and leases to total assets | 85.1420% | 426 |
| Net loans and leases to deposits | 101.6011% | 959 |
| Net loans and leases to core deposits | 124.3289% | 1,872 |
| Total domestic deposits to total assets | 83.8003% | 3,820 |
| Equity capital to assets | 9.9938% | 4,091 |
| Core capital (leverage) ratio | 10.0139% | 3,263 |
| Tier 1 risk-based capital ratio | 14.5205% | 3,270 |
| Total risk-based capital ratio | 15.7858% | 3,205 |
| Memoranda: | ||
| Average total assets | $170,649,000 | 3,619 |
| Average earning assets | $160,130,250 | 3,546 |
| Average equity | $16,749,000 | 3,758 |
| Average total loans | $150,103,500 | 2,950 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2782% | 1,264 |
| Cost of funding earning assets | 2.2603% | 2,527 |
| Net interest margin | 4.0179% | 2,626 |
| Noninterest income to average assets | 0.3152% | 5,987 |
| Noninterest expense to average assets | 2.5785% | 5,824 |
| Loan and lease loss provision to assets | 0.3542% | 3,801 |
| Net operating income to assets | 0.7218% | 3,161 |
| Return on assets (ROA) | 0.7143% | 3,298 |
| Pretax return on assets | 1.1464% | 2,478 |
| Return on Equity (ROE) | 7.3234% | 3,052 |
| Retained earnings to average equity (ytd only) | 7.3234% | 1,459 |
| Net charge-offs to loans | 0.0294% | 6,054 |
| Credit loss provision to net charge-offs | 1,363.6364% | 369 |
| Earnings coverage of net charge-offs (x) | 58.2273% | 611 |
| Efficiency ratio | 63.0303% | 6,083 |
| Assets per employee ($millions) | 4.2962% | 3,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4735% | 3,334 |
| Loan loss allowance to noncurrent loans | 98.0375% | 2,948 |
| Noncurrent assets plus other real estate owned to assets | 1.4076% | 4,145 |
| Noncurrent loans to loans | 1.5030% | 4,242 |
| Net loans and leases to total assets | 87.4709% | 272 |
| Net loans and leases to deposits | 105.6420% | 787 |
| Net loans and leases to core deposits | 134.4998% | 1,289 |
| Total domestic deposits to total assets | 82.7993% | 4,335 |
| Equity capital to assets | 9.9832% | 3,962 |
| Core capital (leverage) ratio | 10.1090% | 3,180 |
| Tier 1 risk-based capital ratio | 14.4795% | 3,259 |
| Total risk-based capital ratio | 15.7372% | 3,195 |
| Memoranda: | ||
| Average total assets | $169,399,330 | 3,657 |
| Average earning assets | $159,185,670 | 3,574 |
| Average equity | $16,522,330 | 3,812 |
| Average total loans | $149,705,330 | 2,991 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3119% | 1,265 |
| Cost of funding earning assets | 2.3989% | 2,301 |
| Net interest margin | 3.9130% | 2,999 |
| Noninterest income to average assets | 0.2973% | 6,057 |
| Noninterest expense to average assets | 2.5069% | 5,813 |
| Loan and lease loss provision to assets | 0.3568% | 3,181 |
| Net operating income to assets | 0.6945% | 3,588 |
| Return on assets (ROA) | 0.6945% | 3,773 |
| Pretax return on assets | 1.1155% | 2,931 |
| Return on Equity (ROE) | 7.2074% | 3,499 |
| Retained earnings to average equity (ytd only) | 7.2074% | 2,128 |
| Net charge-offs to loans | 0.0243% | 5,208 |
| Credit loss provision to net charge-offs | 1,666.6667% | 375 |
| Earnings coverage of net charge-offs (x) | 68.7778% | 581 |
| Efficiency ratio | 63.0006% | 5,872 |
| Assets per employee ($millions) | 4.2209% | 3,223 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4155% | 3,417 |
| Loan loss allowance to noncurrent loans | 83.9030% | 3,536 |
| Noncurrent assets plus other real estate owned to assets | 1.5649% | 3,584 |
| Noncurrent loans to loans | 1.6871% | 3,722 |
| Net loans and leases to total assets | 87.0826% | 332 |
| Net loans and leases to deposits | 105.4064% | 913 |
| Net loans and leases to core deposits | 136.5135% | 1,269 |
| Total domestic deposits to total assets | 82.6161% | 4,327 |
| Equity capital to assets | 9.9796% | 4,026 |
| Core capital (leverage) ratio | 9.9117% | 3,505 |
| Tier 1 risk-based capital ratio | 14.2571% | 3,451 |
| Total risk-based capital ratio | 15.5140% | 3,378 |
| Memoranda: | ||
| Average total assets | $168,175,000 | 3,686 |
| Average earning assets | $158,242,000 | 3,607 |
| Average equity | $16,205,500 | 3,904 |
| Average total loans | $148,275,500 | 3,036 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8350% | 1,567 |
| Cost of funding earning assets | 2.8502% | 2,479 |
| Net interest margin | 3.9848% | 3,191 |
| Noninterest income to average assets | 0.7220% | 2,970 |
| Noninterest expense to average assets | 2.6026% | 5,641 |
| Loan and lease loss provision to assets | 0.3721% | 3,449 |
| Net operating income to assets | 0.9321% | 2,867 |
| Return on assets (ROA) | 0.8435% | 3,081 |
| Pretax return on assets | 1.3472% | 2,142 |
| Return on Equity (ROE) | 9.2604% | 2,544 |
| Retained earnings to average equity (ytd only) | 9.2604% | 565 |
| Net charge-offs to loans | 0.0741% | 5,702 |
| Credit loss provision to net charge-offs | 571.4286% | 766 |
| Earnings coverage of net charge-offs (x) | 28.5238% | 1,214 |
| Efficiency ratio | 58.3507% | 6,635 |
| Assets per employee ($millions) | 4.1879% | 3,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3364% | 3,551 |
| Loan loss allowance to noncurrent loans | 93.9885% | 3,627 |
| Noncurrent assets plus other real estate owned to assets | 1.3264% | 3,563 |
| Noncurrent loans to loans | 1.4218% | 3,673 |
| Net loans and leases to total assets | 86.8245% | 492 |
| Net loans and leases to deposits | 105.2241% | 1,197 |
| Net loans and leases to core deposits | 133.3966% | 1,629 |
| Total domestic deposits to total assets | 82.5139% | 3,987 |
| Equity capital to assets | 9.2899% | 4,944 |
| Core capital (leverage) ratio | 9.3194% | 4,272 |
| Tier 1 risk-based capital ratio | 13.3523% | 3,896 |
| Total risk-based capital ratio | 14.6077% | 3,804 |
| Memoranda: | ||
| Average total assets | $161,226,200 | 3,700 |
| Average earning assets | $151,251,400 | 3,628 |
| Average equity | $14,686,200 | 4,198 |
| Average total loans | $141,728,000 | 3,062 |