Home > Palmetto Heritage Bank & Trust > Performance and Condition Ratios
Palmetto Heritage Bank & Trust, Performance and Condition Ratios
| 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 | 5.4833% | 375 |
| Cost of funding earning assets | 1.1813% | 281 |
| Net interest margin | 4.3020% | 1,107 |
| Noninterest income to average assets | 0.3070% | 4,096 |
| Noninterest expense to average assets | 2.6359% | 3,180 |
| Loan and lease loss provision to assets | -0.0346% | 5,268 |
| Net operating income to assets | 1.2063% | 2,215 |
| Return on assets (ROA) | 1.2063% | 2,216 |
| Pretax return on assets | 1.5649% | 1,690 |
| Return on Equity (ROE) | 11.9816% | 1,798 |
| Retained earnings to average equity (ytd only) | 5.3305% | 3,040 |
| Net charge-offs to loans | -0.0446% | 4,888 |
| Credit loss provision to net charge-offs | 95.5556% | 2,355 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.2689% | 3,295 |
| Assets per employee ($millions) | 6.5913% | 1,141 |
| Cash dividends to net income (ytd only)* | 55.5109% | 1,392 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8580% | 4,430 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9389% | 558 |
| Noncurrent loans to loans | 0.0000% | 4,954 |
| Net loans and leases to total assets | 82.0467% | 706 |
| Net loans and leases to deposits | 109.4835% | 306 |
| Net loans and leases to core deposits | 138.4200% | 222 |
| Total domestic deposits to total assets | 74.9398% | 4,891 |
| Equity capital to assets | 10.3026% | 3,332 |
| Core capital (leverage) ratio | 10.2797% | 3,320 |
| Tier 1 risk-based capital ratio | 13.3626% | 3,702 |
| Total risk-based capital ratio | 14.2827% | 3,796 |
| Memoranda: | ||
| Average total assets | $165,456,500 | 3,236 |
| Average earning assets | $148,422,000 | 3,294 |
| Average equity | $16,658,500 | 3,455 |
| Average total loans | $134,472,000 | 2,850 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4054% | 381 |
| Cost of funding earning assets | 1.1333% | 251 |
| Net interest margin | 4.2721% | 1,104 |
| Noninterest income to average assets | 0.2909% | 4,235 |
| Noninterest expense to average assets | 2.6038% | 3,314 |
| Loan and lease loss provision to assets | -0.0519% | 5,379 |
| Net operating income to assets | 1.2108% | 2,152 |
| Return on assets (ROA) | 1.2108% | 2,148 |
| Pretax return on assets | 1.5705% | 1,600 |
| Return on Equity (ROE) | 12.1191% | 1,679 |
| Retained earnings to average equity (ytd only) | 4.7486% | 3,210 |
| Net charge-offs to loans | -0.0672% | 5,025 |
| Credit loss provision to net charge-offs | 95.5556% | 2,114 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1625% | 3,443 |
| Assets per employee ($millions) | 7.2949% | 831 |
| Cash dividends to net income (ytd only)* | 60.8175% | 1,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8489% | 4,556 |
| Loan loss allowance to noncurrent loans | 2,127.2727% | 321 |
| Noncurrent assets plus other real estate owned to assets | 1.9376% | 565 |
| Noncurrent loans to loans | 0.0399% | 4,734 |
| Net loans and leases to total assets | 81.4498% | 779 |
| Net loans and leases to deposits | 107.7489% | 360 |
| Net loans and leases to core deposits | 133.1323% | 275 |
| Total domestic deposits to total assets | 75.5923% | 4,893 |
| Equity capital to assets | 9.9539% | 3,672 |
| Core capital (leverage) ratio | 10.1452% | 3,426 |
| Tier 1 risk-based capital ratio | 12.8910% | 3,953 |
| Total risk-based capital ratio | 13.7931% | 4,051 |
| Memoranda: | ||
| Average total assets | $165,681,000 | 3,258 |
| Average earning assets | $148,592,000 | 3,308 |
| Average equity | $16,552,330 | 3,490 |
| Average total loans | $133,839,670 | 2,871 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2710% | 427 |
| Cost of funding earning assets | 1.1177% | 208 |
| Net interest margin | 4.1533% | 1,287 |
| Noninterest income to average assets | 0.3596% | 3,737 |
| Noninterest expense to average assets | 2.4977% | 3,651 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.2197% | 1,927 |
| Return on assets (ROA) | 1.2197% | 1,935 |
| Pretax return on assets | 1.5817% | 1,446 |
| Return on Equity (ROE) | 12.1859% | 1,511 |
| Retained earnings to average equity (ytd only) | 8.0592% | 1,814 |
| Net charge-offs to loans | -0.0061% | 4,069 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.2269% | 3,911 |
| Assets per employee ($millions) | 7.2436% | 868 |
| Cash dividends to net income (ytd only)* | 33.8645% | 2,032 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8789% | 4,536 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 1.9538% | 589 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 79.1989% | 1,051 |
| Net loans and leases to deposits | 104.6974% | 446 |
| Net loans and leases to core deposits | 132.3069% | 298 |
| Total domestic deposits to total assets | 75.6456% | 5,006 |
| Equity capital to assets | 9.9891% | 3,601 |
| Core capital (leverage) ratio | 10.1354% | 3,378 |
| Tier 1 risk-based capital ratio | 13.2917% | 3,788 |
| Total risk-based capital ratio | 14.2252% | 3,863 |
| Memoranda: | ||
| Average total assets | $164,630,000 | 3,306 |
| Average earning assets | $147,448,000 | 3,369 |
| Average equity | $16,478,000 | 3,529 |
| Average total loans | $131,845,000 | 2,908 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1814% | 461 |
| Cost of funding earning assets | 1.0006% | 212 |
| Net interest margin | 4.1808% | 1,228 |
| Noninterest income to average assets | 0.3673% | 3,839 |
| Noninterest expense to average assets | 2.6207% | 3,378 |
| Loan and lease loss provision to assets | 0.0157% | 3,977 |
| Net operating income to assets | 0.9427% | 2,482 |
| Return on assets (ROA) | 0.9427% | 2,513 |
| Pretax return on assets | 1.4604% | 1,777 |
| Return on Equity (ROE) | 9.4451% | 2,118 |
| Retained earnings to average equity (ytd only) | 4.9549% | 2,157 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9688% | 3,612 |
| Assets per employee ($millions) | 7.0721% | 939 |
| Cash dividends to net income (ytd only)* | 47.5399% | 2,437 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8945% | 4,498 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 2.0024% | 561 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 79.5565% | 1,023 |
| Net loans and leases to deposits | 105.6229% | 414 |
| Net loans and leases to core deposits | 126.8975% | 413 |
| Total domestic deposits to total assets | 75.3212% | 5,052 |
| Equity capital to assets | 10.0296% | 3,675 |
| Core capital (leverage) ratio | 10.0627% | 3,372 |
| Tier 1 risk-based capital ratio | 13.1861% | 3,801 |
| Total risk-based capital ratio | 14.1290% | 3,881 |
| Memoranda: | ||
| Average total assets | $159,540,400 | 3,355 |
| Average earning assets | $142,317,000 | 3,422 |
| Average equity | $15,923,600 | 3,606 |
| Average total loans | $126,804,200 | 2,967 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1370% | 471 |
| Cost of funding earning assets | 0.9722% | 222 |
| Net interest margin | 4.1648% | 1,240 |
| Noninterest income to average assets | 0.3687% | 3,889 |
| Noninterest expense to average assets | 2.5891% | 3,441 |
| Loan and lease loss provision to assets | 0.0160% | 3,824 |
| Net operating income to assets | 0.9498% | 2,777 |
| Return on assets (ROA) | 0.9498% | 2,845 |
| Pretax return on assets | 1.4764% | 1,858 |
| Return on Equity (ROE) | 9.5284% | 2,335 |
| Retained earnings to average equity (ytd only) | 3.5047% | 3,829 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.4362% | 3,652 |
| Assets per employee ($millions) | 6.7898% | 1,034 |
| Cash dividends to net income (ytd only)* | 63.2185% | 1,225 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9015% | 4,560 |
| Loan loss allowance to noncurrent loans | 450.3876% | 1,152 |
| Noncurrent assets plus other real estate owned to assets | 2.1650% | 571 |
| Noncurrent loans to loans | 0.2002% | 4,284 |
| Net loans and leases to total assets | 78.3865% | 1,214 |
| Net loans and leases to deposits | 103.7509% | 511 |
| Net loans and leases to core deposits | 124.2996% | 454 |
| Total domestic deposits to total assets | 75.5526% | 5,072 |
| Equity capital to assets | 9.7868% | 4,164 |
| Core capital (leverage) ratio | 9.8266% | 3,786 |
| Tier 1 risk-based capital ratio | 13.0889% | 3,952 |
| Total risk-based capital ratio | 14.0425% | 4,044 |
| Memoranda: | ||
| Average total assets | $158,761,000 | 3,390 |
| Average earning assets | $141,530,500 | 3,455 |
| Average equity | $15,826,000 | 3,653 |
| Average total loans | $125,862,000 | 3,000 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0901% | 483 |
| Cost of funding earning assets | 0.9401% | 240 |
| Net interest margin | 4.1500% | 1,205 |
| Noninterest income to average assets | 0.3635% | 3,956 |
| Noninterest expense to average assets | 2.5902% | 3,465 |
| Loan and lease loss provision to assets | 0.0089% | 3,749 |
| Net operating income to assets | 0.9418% | 2,709 |
| Return on assets (ROA) | 0.9418% | 2,765 |
| Pretax return on assets | 1.4616% | 1,793 |
| Return on Equity (ROE) | 9.3885% | 2,318 |
| Retained earnings to average equity (ytd only) | 5.2074% | 2,576 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.7872% | 3,704 |
| Assets per employee ($millions) | 7.0246% | 921 |
| Cash dividends to net income (ytd only)* | 44.5344% | 2,114 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8862% | 4,695 |
| Loan loss allowance to noncurrent loans | 444.0154% | 1,148 |
| Noncurrent assets plus other real estate owned to assets | 2.1842% | 547 |
| Noncurrent loans to loans | 0.1996% | 4,318 |
| Net loans and leases to total assets | 79.6090% | 1,009 |
| Net loans and leases to deposits | 105.2967% | 427 |
| Net loans and leases to core deposits | 127.1624% | 362 |
| Total domestic deposits to total assets | 75.6044% | 5,135 |
| Equity capital to assets | 9.8666% | 4,068 |
| Core capital (leverage) ratio | 9.9580% | 3,587 |
| Tier 1 risk-based capital ratio | 13.0503% | 3,966 |
| Total risk-based capital ratio | 13.9920% | 4,064 |
| Memoranda: | ||
| Average total assets | $157,363,330 | 3,426 |
| Average earning assets | $140,194,000 | 3,491 |
| Average equity | $15,785,330 | 3,666 |
| Average total loans | $124,850,670 | 3,026 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1344% | 419 |
| Cost of funding earning assets | 0.9180% | 252 |
| Net interest margin | 4.2164% | 956 |
| Noninterest income to average assets | 0.3684% | 3,899 |
| Noninterest expense to average assets | 2.7025% | 3,130 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.9146% | 2,686 |
| Return on assets (ROA) | 0.9146% | 2,741 |
| Pretax return on assets | 1.4170% | 1,831 |
| Return on Equity (ROE) | 9.0403% | 2,399 |
| Retained earnings to average equity (ytd only) | 9.0403% | 1,063 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.6035% | 3,558 |
| Assets per employee ($millions) | 7.1127% | 896 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9217% | 4,672 |
| Loan loss allowance to noncurrent loans | 742.2078% | 754 |
| Noncurrent assets plus other real estate owned to assets | 2.1882% | 575 |
| Noncurrent loans to loans | 0.1242% | 4,689 |
| Net loans and leases to total assets | 78.5198% | 1,052 |
| Net loans and leases to deposits | 102.7978% | 455 |
| Net loans and leases to core deposits | 124.9880% | 344 |
| Total domestic deposits to total assets | 76.3828% | 5,190 |
| Equity capital to assets | 10.1534% | 3,568 |
| Core capital (leverage) ratio | 10.2679% | 3,163 |
| Tier 1 risk-based capital ratio | 13.3172% | 3,876 |
| Total risk-based capital ratio | 14.2760% | 3,965 |
| Memoranda: | ||
| Average total assets | $155,262,000 | 3,487 |
| Average earning assets | $138,127,500 | 3,549 |
| Average equity | $15,707,500 | 3,693 |
| Average total loans | $122,390,500 | 3,082 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8742% | 777 |
| Cost of funding earning assets | 0.8628% | 361 |
| Net interest margin | 4.0114% | 1,604 |
| Noninterest income to average assets | 0.4236% | 3,720 |
| Noninterest expense to average assets | 2.7168% | 3,293 |
| Loan and lease loss provision to assets | 0.0066% | 4,231 |
| Net operating income to assets | 0.8022% | 3,293 |
| Return on assets (ROA) | 0.8022% | 3,398 |
| Pretax return on assets | 1.2510% | 2,468 |
| Return on Equity (ROE) | 8.0881% | 2,891 |
| Retained earnings to average equity (ytd only) | 6.5440% | 1,434 |
| Net charge-offs to loans | -0.0861% | 5,543 |
| Credit loss provision to net charge-offs | -10.1010% | 4,744 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.3570% | 3,177 |
| Assets per employee ($millions) | 7.0020% | 923 |
| Cash dividends to net income (ytd only)* | 19.0909% | 3,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9464% | 4,598 |
| Loan loss allowance to noncurrent loans | 742.2078% | 766 |
| Noncurrent assets plus other real estate owned to assets | 2.2227% | 585 |
| Noncurrent loans to loans | 0.1275% | 4,726 |
| Net loans and leases to total assets | 77.6578% | 1,256 |
| Net loans and leases to deposits | 101.7124% | 553 |
| Net loans and leases to core deposits | 123.8526% | 387 |
| Total domestic deposits to total assets | 76.3504% | 5,200 |
| Equity capital to assets | 10.0795% | 3,633 |
| Core capital (leverage) ratio | 10.0619% | 3,414 |
| Tier 1 risk-based capital ratio | 13.2588% | 3,920 |
| Total risk-based capital ratio | 14.2355% | 3,994 |
| Memoranda: | ||
| Average total assets | $150,840,000 | 3,511 |
| Average earning assets | $133,518,000 | 3,597 |
| Average equity | $14,960,200 | 3,813 |
| Average total loans | $114,984,000 | 3,140 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8188% | 863 |
| Cost of funding earning assets | 0.8474% | 387 |
| Net interest margin | 3.9714% | 1,741 |
| Noninterest income to average assets | 0.4079% | 3,863 |
| Noninterest expense to average assets | 2.7023% | 3,340 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 0.7811% | 3,451 |
| Return on assets (ROA) | 0.7811% | 3,593 |
| Pretax return on assets | 1.2165% | 2,773 |
| Return on Equity (ROE) | 7.9088% | 3,056 |
| Retained earnings to average equity (ytd only) | 5.8304% | 2,282 |
| Net charge-offs to loans | -0.1339% | 5,665 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.9569% | 3,049 |
| Assets per employee ($millions) | 6.7035% | 1,001 |
| Cash dividends to net income (ytd only)* | 26.2797% | 2,970 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9719% | 4,550 |
| Loan loss allowance to noncurrent loans | 354.3210% | 1,419 |
| Noncurrent assets plus other real estate owned to assets | 2.2111% | 659 |
| Noncurrent loans to loans | 0.2743% | 4,279 |
| Net loans and leases to total assets | 75.8691% | 1,541 |
| Net loans and leases to deposits | 99.2264% | 756 |
| Net loans and leases to core deposits | 119.2017% | 532 |
| Total domestic deposits to total assets | 76.4606% | 5,173 |
| Equity capital to assets | 9.8657% | 4,286 |
| Core capital (leverage) ratio | 9.9074% | 3,687 |
| Tier 1 risk-based capital ratio | 13.3149% | 3,970 |
| Total risk-based capital ratio | 14.3218% | 4,024 |
| Memoranda: | ||
| Average total assets | $150,038,750 | 3,538 |
| Average earning assets | $132,644,500 | 3,623 |
| Average equity | $14,818,500 | 3,863 |
| Average total loans | $113,537,250 | 3,173 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7813% | 917 |
| Cost of funding earning assets | 0.8248% | 426 |
| Net interest margin | 3.9565% | 1,784 |
| Noninterest income to average assets | 0.3780% | 4,042 |
| Noninterest expense to average assets | 2.6840% | 3,443 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.7628% | 3,491 |
| Return on assets (ROA) | 0.7628% | 3,633 |
| Pretax return on assets | 1.1853% | 2,842 |
| Return on Equity (ROE) | 7.7208% | 3,129 |
| Retained earnings to average equity (ytd only) | 4.5753% | 2,999 |
| Net charge-offs to loans | -0.2036% | 5,814 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.3672% | 3,081 |
| Assets per employee ($millions) | 6.9158% | 903 |
| Cash dividends to net income (ytd only)* | 40.7407% | 2,378 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0039% | 4,494 |
| Loan loss allowance to noncurrent loans | 268.8525% | 1,792 |
| Noncurrent assets plus other real estate owned to assets | 2.4200% | 588 |
| Noncurrent loans to loans | 0.3734% | 4,026 |
| Net loans and leases to total assets | 74.4076% | 1,750 |
| Net loans and leases to deposits | 96.4959% | 1,026 |
| Net loans and leases to core deposits | 116.4378% | 625 |
| Total domestic deposits to total assets | 77.1096% | 5,150 |
| Equity capital to assets | 9.7925% | 4,459 |
| Core capital (leverage) ratio | 9.8106% | 3,803 |
| Tier 1 risk-based capital ratio | 13.3123% | 4,011 |
| Total risk-based capital ratio | 14.3405% | 4,067 |
| Memoranda: | ||
| Average total assets | $148,658,330 | 3,579 |
| Average earning assets | $131,177,330 | 3,673 |
| Average equity | $14,687,670 | 3,901 |
| Average total loans | $112,008,670 | 3,207 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7294% | 990 |
| Cost of funding earning assets | 0.7980% | 495 |
| Net interest margin | 3.9313% | 1,838 |
| Noninterest income to average assets | 0.3539% | 4,198 |
| Noninterest expense to average assets | 2.6383% | 3,625 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.7651% | 3,416 |
| Return on assets (ROA) | 0.7651% | 3,525 |
| Pretax return on assets | 1.1762% | 2,797 |
| Return on Equity (ROE) | 7.7081% | 3,084 |
| Retained earnings to average equity (ytd only) | 1.3716% | 4,711 |
| Net charge-offs to loans | -0.0325% | 5,100 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.1649% | 3,270 |
| Assets per employee ($millions) | 6.5202% | 1,099 |
| Cash dividends to net income (ytd only)* | 82.2064% | 972 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9311% | 4,947 |
| Loan loss allowance to noncurrent loans | 259.4527% | 1,821 |
| Noncurrent assets plus other real estate owned to assets | 2.5479% | 573 |
| Noncurrent loans to loans | 0.3589% | 4,144 |
| Net loans and leases to total assets | 73.9999% | 1,730 |
| Net loans and leases to deposits | 95.1831% | 1,026 |
| Net loans and leases to core deposits | 114.4640% | 649 |
| Total domestic deposits to total assets | 77.7448% | 5,187 |
| Equity capital to assets | 9.7403% | 4,408 |
| Core capital (leverage) ratio | 10.0697% | 3,449 |
| Tier 1 risk-based capital ratio | 13.0811% | 4,210 |
| Total risk-based capital ratio | 14.0172% | 4,325 |
| Memoranda: | ||
| Average total assets | $146,914,000 | 3,624 |
| Average earning assets | $129,320,000 | 3,725 |
| Average equity | $14,582,000 | 3,917 |
| Average total loans | $110,834,500 | 3,228 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5917% | 1,356 |
| Cost of funding earning assets | 0.7881% | 531 |
| Net interest margin | 3.8037% | 2,361 |
| Noninterest income to average assets | 0.3357% | 4,499 |
| Noninterest expense to average assets | 2.7365% | 3,464 |
| Loan and lease loss provision to assets | 0.0227% | 3,930 |
| Net operating income to assets | 0.6083% | 4,231 |
| Return on assets (ROA) | 0.6083% | 4,329 |
| Pretax return on assets | 0.9563% | 3,625 |
| Return on Equity (ROE) | 6.3284% | 3,888 |
| Retained earnings to average equity (ytd only) | 6.3284% | 1,640 |
| Net charge-offs to loans | 0.0423% | 3,372 |
| Credit loss provision to net charge-offs | 71.7391% | 3,091 |
| Earnings coverage of net charge-offs (x) | 31.0000% | 1,417 |
| Efficiency ratio | 73.6511% | 2,633 |
| Assets per employee ($millions) | 6.5392% | 1,080 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9430% | 4,903 |
| Loan loss allowance to noncurrent loans | 246.1905% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 2.6685% | 555 |
| Noncurrent loans to loans | 0.3830% | 4,078 |
| Net loans and leases to total assets | 75.5010% | 1,491 |
| Net loans and leases to deposits | 97.1686% | 893 |
| Net loans and leases to core deposits | 114.4227% | 662 |
| Total domestic deposits to total assets | 77.7010% | 5,218 |
| Equity capital to assets | 10.1187% | 3,842 |
| Core capital (leverage) ratio | 10.0706% | 3,408 |
| Tier 1 risk-based capital ratio | 13.1244% | 4,221 |
| Total risk-based capital ratio | 14.0590% | 4,347 |
| Memoranda: | ||
| Average total assets | $145,659,800 | 3,635 |
| Average earning assets | $129,428,200 | 3,713 |
| Average equity | $14,000,400 | 3,976 |
| Average total loans | $108,739,200 | 3,226 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5339% | 1,499 |
| Cost of funding earning assets | 0.7876% | 530 |
| Net interest margin | 3.7464% | 2,575 |
| Noninterest income to average assets | 0.3203% | 4,648 |
| Noninterest expense to average assets | 2.7540% | 3,368 |
| Loan and lease loss provision to assets | 0.0119% | 4,036 |
| Net operating income to assets | 0.5713% | 4,521 |
| Return on assets (ROA) | 0.5713% | 4,611 |
| Pretax return on assets | 0.8925% | 4,007 |
| Return on Equity (ROE) | 6.0215% | 4,140 |
| Retained earnings to average equity (ytd only) | 6.0215% | 2,233 |
| Net charge-offs to loans | 0.0012% | 4,144 |
| Credit loss provision to net charge-offs | 1,300.0000% | 284 |
| Earnings coverage of net charge-offs (x) | 993.4586% | 77 |
| Efficiency ratio | 75.2806% | 2,356 |
| Assets per employee ($millions) | 6.3076% | 1,176 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9802% | 4,838 |
| Loan loss allowance to noncurrent loans | 197.9439% | 2,276 |
| Noncurrent assets plus other real estate owned to assets | 2.4953% | 698 |
| Noncurrent loans to loans | 0.4952% | 3,864 |
| Net loans and leases to total assets | 73.7396% | 1,782 |
| Net loans and leases to deposits | 94.4292% | 1,150 |
| Net loans and leases to core deposits | 110.3481% | 863 |
| Total domestic deposits to total assets | 78.0898% | 5,165 |
| Equity capital to assets | 9.8563% | 4,336 |
| Core capital (leverage) ratio | 9.8062% | 3,891 |
| Tier 1 risk-based capital ratio | 13.6172% | 4,074 |
| Total risk-based capital ratio | 14.6257% | 4,129 |
| Memoranda: | ||
| Average total assets | $146,109,000 | 3,658 |
| Average earning assets | $130,185,000 | 3,724 |
| Average equity | $13,861,250 | 4,044 |
| Average total loans | $108,511,000 | 3,254 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5050% | 1,521 |
| Cost of funding earning assets | 0.7899% | 534 |
| Net interest margin | 3.7150% | 2,648 |
| Noninterest income to average assets | 0.2622% | 5,075 |
| Noninterest expense to average assets | 2.7162% | 3,540 |
| Loan and lease loss provision to assets | 0.0178% | 3,770 |
| Net operating income to assets | 0.5340% | 4,637 |
| Return on assets (ROA) | 0.5340% | 4,741 |
| Pretax return on assets | 0.8358% | 4,183 |
| Return on Equity (ROE) | 5.7016% | 4,277 |
| Retained earnings to average equity (ytd only) | 5.7016% | 2,409 |
| Net charge-offs to loans | 0.0018% | 3,837 |
| Credit loss provision to net charge-offs | 1,300.0000% | 277 |
| Earnings coverage of net charge-offs (x) | 625.0000% | 105 |
| Efficiency ratio | 76.0903% | 2,339 |
| Assets per employee ($millions) | 6.1194% | 1,266 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9637% | 5,037 |
| Loan loss allowance to noncurrent loans | 99.5301% | 3,724 |
| Noncurrent assets plus other real estate owned to assets | 2.8250% | 615 |
| Noncurrent loans to loans | 0.9682% | 2,712 |
| Net loans and leases to total assets | 74.1043% | 1,646 |
| Net loans and leases to deposits | 94.6720% | 1,081 |
| Net loans and leases to core deposits | 110.9928% | 786 |
| Total domestic deposits to total assets | 78.2748% | 5,217 |
| Equity capital to assets | 9.5774% | 4,562 |
| Core capital (leverage) ratio | 9.5451% | 4,216 |
| Tier 1 risk-based capital ratio | 13.1815% | 4,405 |
| Total risk-based capital ratio | 14.1754% | 4,477 |
| Memoranda: | ||
| Average total assets | $146,454,000 | 3,685 |
| Average earning assets | $130,389,330 | 3,745 |
| Average equity | $13,715,330 | 4,095 |
| Average total loans | $108,669,330 | 3,275 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5069% | 1,433 |
| Cost of funding earning assets | 0.7876% | 542 |
| Net interest margin | 3.7194% | 2,560 |
| Noninterest income to average assets | 0.4321% | 3,751 |
| Noninterest expense to average assets | 2.7077% | 3,560 |
| Loan and lease loss provision to assets | 0.0356% | 3,188 |
| Net operating income to assets | 0.6373% | 4,100 |
| Return on assets (ROA) | 0.6373% | 4,224 |
| Pretax return on assets | 0.9956% | 3,527 |
| Return on Equity (ROE) | 6.8833% | 3,566 |
| Retained earnings to average equity (ytd only) | 6.8833% | 2,059 |
| Net charge-offs to loans | 0.0185% | 2,789 |
| Credit loss provision to net charge-offs | 260.0000% | 903 |
| Earnings coverage of net charge-offs (x) | 75.4000% | 621 |
| Efficiency ratio | 72.4214% | 3,101 |
| Assets per employee ($millions) | 6.1078% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9688% | 5,174 |
| Loan loss allowance to noncurrent loans | 119.8864% | 3,269 |
| Noncurrent assets plus other real estate owned to assets | 2.9566% | 643 |
| Noncurrent loans to loans | 0.8081% | 3,224 |
| Net loans and leases to total assets | 73.5666% | 1,564 |
| Net loans and leases to deposits | 93.8351% | 998 |
| Net loans and leases to core deposits | 108.2308% | 813 |
| Total domestic deposits to total assets | 78.3999% | 5,368 |
| Equity capital to assets | 9.4865% | 4,765 |
| Core capital (leverage) ratio | 9.4347% | 4,372 |
| Tier 1 risk-based capital ratio | 12.9236% | 4,649 |
| Total risk-based capital ratio | 13.9092% | 4,723 |
| Memoranda: | ||
| Average total assets | $146,248,000 | 3,710 |
| Average earning assets | $130,022,000 | 3,779 |
| Average equity | $13,540,000 | 4,143 |
| Average total loans | $108,057,500 | 3,301 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6341% | 1,463 |
| Cost of funding earning assets | 0.7725% | 753 |
| Net interest margin | 3.8616% | 2,387 |
| Noninterest income to average assets | 0.2518% | 5,324 |
| Noninterest expense to average assets | 2.6462% | 4,067 |
| Loan and lease loss provision to assets | 0.2238% | 1,096 |
| Net operating income to assets | 0.4909% | 4,843 |
| Return on assets (ROA) | 0.4909% | 4,933 |
| Pretax return on assets | 0.7867% | 4,306 |
| Return on Equity (ROE) | 5.4815% | 4,416 |
| Retained earnings to average equity (ytd only) | 5.4815% | 2,273 |
| Net charge-offs to loans | 0.3942% | 1,087 |
| Credit loss provision to net charge-offs | 75.6501% | 2,957 |
| Earnings coverage of net charge-offs (x) | 3.4161% | 3,894 |
| Efficiency ratio | 72.3657% | 3,145 |
| Assets per employee ($millions) | 6.0795% | 1,328 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9765% | 5,167 |
| Loan loss allowance to noncurrent loans | 118.9773% | 3,326 |
| Noncurrent assets plus other real estate owned to assets | 2.9703% | 688 |
| Noncurrent loans to loans | 0.8207% | 3,263 |
| Net loans and leases to total assets | 72.7673% | 1,797 |
| Net loans and leases to deposits | 91.7896% | 1,310 |
| Net loans and leases to core deposits | 105.2249% | 1,060 |
| Total domestic deposits to total assets | 79.2761% | 5,189 |
| Equity capital to assets | 9.0289% | 5,256 |
| Core capital (leverage) ratio | 9.0666% | 4,878 |
| Tier 1 risk-based capital ratio | 12.7437% | 4,894 |
| Total risk-based capital ratio | 13.7566% | 4,951 |
| Memoranda: | ||
| Average total assets | $142,997,600 | 3,739 |
| Average earning assets | $126,088,200 | 3,840 |
| Average equity | $12,806,600 | 4,229 |
| Average total loans | $107,302,000 | 3,282 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6447% | 1,448 |
| Cost of funding earning assets | 0.7658% | 815 |
| Net interest margin | 3.8789% | 2,327 |
| Noninterest income to average assets | 0.2034% | 5,712 |
| Noninterest expense to average assets | 2.6381% | 4,065 |
| Loan and lease loss provision to assets | 0.2155% | 1,062 |
| Net operating income to assets | 0.4770% | 4,961 |
| Return on assets (ROA) | 0.4770% | 5,042 |
| Pretax return on assets | 0.7629% | 4,497 |
| Return on Equity (ROE) | 5.3375% | 4,557 |
| Retained earnings to average equity (ytd only) | 5.3375% | 2,863 |
| Net charge-offs to loans | 0.4336% | 915 |
| Credit loss provision to net charge-offs | 65.9026% | 2,836 |
| Earnings coverage of net charge-offs (x) | 2.9914% | 3,770 |
| Efficiency ratio | 72.9464% | 3,009 |
| Assets per employee ($millions) | 5.9830% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9756% | 5,316 |
| Loan loss allowance to noncurrent loans | 175.3401% | 2,396 |
| Noncurrent assets plus other real estate owned to assets | 2.8149% | 872 |
| Noncurrent loans to loans | 0.5564% | 4,251 |
| Net loans and leases to total assets | 72.8794% | 1,699 |
| Net loans and leases to deposits | 92.0744% | 1,217 |
| Net loans and leases to core deposits | 106.2329% | 946 |
| Total domestic deposits to total assets | 79.1527% | 5,287 |
| Equity capital to assets | 9.0416% | 5,309 |
| Core capital (leverage) ratio | 9.0416% | 5,019 |
| Tier 1 risk-based capital ratio | 12.7472% | 5,012 |
| Total risk-based capital ratio | 13.7597% | 5,099 |
| Memoranda: | ||
| Average total assets | $142,269,750 | 3,783 |
| Average earning assets | $125,186,500 | 3,889 |
| Average equity | $12,714,750 | 4,272 |
| Average total loans | $107,322,250 | 3,298 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6648% | 1,360 |
| Cost of funding earning assets | 0.7611% | 876 |
| Net interest margin | 3.9036% | 2,148 |
| Noninterest income to average assets | 0.1311% | 6,161 |
| Noninterest expense to average assets | 2.6384% | 4,103 |
| Loan and lease loss provision to assets | 0.2115% | 1,118 |
| Net operating income to assets | 0.4428% | 5,043 |
| Return on assets (ROA) | 0.4428% | 5,120 |
| Pretax return on assets | 0.7093% | 4,605 |
| Return on Equity (ROE) | 4.9741% | 4,686 |
| Retained earnings to average equity (ytd only) | 4.9741% | 2,973 |
| Net charge-offs to loans | 0.5173% | 786 |
| Credit loss provision to net charge-offs | 53.7634% | 2,736 |
| Earnings coverage of net charge-offs (x) | 2.3405% | 3,570 |
| Efficiency ratio | 74.1284% | 2,958 |
| Assets per employee ($millions) | 6.7712% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9408% | 5,601 |
| Loan loss allowance to noncurrent loans | 460.3604% | 1,007 |
| Noncurrent assets plus other real estate owned to assets | 2.5852% | 1,064 |
| Noncurrent loans to loans | 0.2044% | 5,404 |
| Net loans and leases to total assets | 75.6786% | 1,213 |
| Net loans and leases to deposits | 95.5905% | 830 |
| Net loans and leases to core deposits | 109.4942% | 713 |
| Total domestic deposits to total assets | 79.1696% | 5,424 |
| Equity capital to assets | 8.9932% | 5,306 |
| Core capital (leverage) ratio | 9.0425% | 4,955 |
| Tier 1 risk-based capital ratio | 12.2357% | 5,393 |
| Total risk-based capital ratio | 13.2130% | 5,491 |
| Memoranda: | ||
| Average total assets | $141,829,000 | 3,822 |
| Average earning assets | $124,550,330 | 3,919 |
| Average equity | $12,625,330 | 4,296 |
| Average total loans | $107,869,670 | 3,287 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6027% | 1,499 |
| Cost of funding earning assets | 0.7967% | 760 |
| Net interest margin | 3.8060% | 2,446 |
| Noninterest income to average assets | 0.0791% | 6,396 |
| Noninterest expense to average assets | 2.6460% | 4,125 |
| Loan and lease loss provision to assets | 0.1271% | 1,913 |
| Net operating income to assets | 0.3925% | 5,144 |
| Return on assets (ROA) | 0.3925% | 5,215 |
| Pretax return on assets | 0.6382% | 4,701 |
| Return on Equity (ROE) | 4.4324% | 4,826 |
| Retained earnings to average equity (ytd only) | 4.4324% | 3,466 |
| Net charge-offs to loans | 0.2419% | 1,354 |
| Credit loss provision to net charge-offs | 69.2308% | 2,011 |
| Earnings coverage of net charge-offs (x) | 4.1692% | 2,562 |
| Efficiency ratio | 77.5662% | 2,539 |
| Assets per employee ($millions) | 6.4353% | 1,045 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0557% | 5,294 |
| Loan loss allowance to noncurrent loans | 162.5899% | 2,504 |
| Noncurrent assets plus other real estate owned to assets | 3.5168% | 740 |
| Noncurrent loans to loans | 0.6493% | 4,238 |
| Net loans and leases to total assets | 74.8095% | 1,149 |
| Net loans and leases to deposits | 93.7848% | 814 |
| Net loans and leases to core deposits | 108.4252% | 656 |
| Total domestic deposits to total assets | 79.7672% | 5,534 |
| Equity capital to assets | 8.9096% | 5,217 |
| Core capital (leverage) ratio | 8.8329% | 5,225 |
| Tier 1 risk-based capital ratio | 11.9616% | 5,670 |
| Total risk-based capital ratio | 13.0336% | 5,706 |
| Memoranda: | ||
| Average total assets | $141,645,500 | 3,856 |
| Average earning assets | $124,014,000 | 3,966 |
| Average equity | $12,544,000 | 4,333 |
| Average total loans | $107,487,500 | 3,312 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5820% | 1,924 |
| Cost of funding earning assets | 0.9172% | 675 |
| Net interest margin | 3.6648% | 3,204 |
| Noninterest income to average assets | -0.0958% | 6,721 |
| Noninterest expense to average assets | 2.6540% | 4,266 |
| Loan and lease loss provision to assets | 0.1256% | 2,745 |
| Net operating income to assets | 0.1929% | 5,838 |
| Return on assets (ROA) | 0.1929% | 5,907 |
| Pretax return on assets | 0.3131% | 5,695 |
| Return on Equity (ROE) | 2.3100% | 5,732 |
| Retained earnings to average equity (ytd only) | 2.3100% | 4,607 |
| Net charge-offs to loans | 0.3112% | 2,129 |
| Credit loss provision to net charge-offs | 55.5556% | 3,681 |
| Earnings coverage of net charge-offs (x) | 1.9399% | 4,404 |
| Efficiency ratio | 85.8147% | 1,430 |
| Assets per employee ($millions) | 6.4415% | 1,013 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0664% | 5,293 |
| Loan loss allowance to noncurrent loans | 105.4029% | 3,491 |
| Noncurrent assets plus other real estate owned to assets | 3.8430% | 707 |
| Noncurrent loans to loans | 1.0117% | 3,491 |
| Net loans and leases to total assets | 75.3496% | 1,175 |
| Net loans and leases to deposits | 93.5076% | 915 |
| Net loans and leases to core deposits | 108.3070% | 680 |
| Total domestic deposits to total assets | 80.5813% | 5,295 |
| Equity capital to assets | 8.8022% | 5,251 |
| Core capital (leverage) ratio | 8.7035% | 5,412 |
| Tier 1 risk-based capital ratio | 11.7598% | 5,769 |
| Total risk-based capital ratio | 12.8451% | 5,798 |
| Memoranda: | ||
| Average total assets | $147,247,800 | 3,750 |
| Average earning assets | $128,109,000 | 3,887 |
| Average equity | $12,294,200 | 4,396 |
| Average total loans | $107,012,000 | 3,303 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5091% | 2,196 |
| Cost of funding earning assets | 0.9528% | 635 |
| Net interest margin | 3.5563% | 3,630 |
| Noninterest income to average assets | -0.1776% | 6,830 |
| Noninterest expense to average assets | 2.6158% | 4,337 |
| Loan and lease loss provision to assets | 0.0942% | 3,194 |
| Net operating income to assets | 0.1346% | 6,066 |
| Return on assets (ROA) | 0.1346% | 6,137 |
| Pretax return on assets | 0.2027% | 6,038 |
| Return on Equity (ROE) | 1.6328% | 6,040 |
| Retained earnings to average equity (ytd only) | 1.6328% | 5,322 |
| Net charge-offs to loans | 0.4158% | 1,546 |
| Credit loss provision to net charge-offs | 31.5315% | 3,865 |
| Earnings coverage of net charge-offs (x) | 0.9940% | 4,513 |
| Efficiency ratio | 89.8060% | 1,010 |
| Assets per employee ($millions) | 6.3048% | 1,040 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0051% | 5,689 |
| Loan loss allowance to noncurrent loans | 77.0504% | 4,162 |
| Noncurrent assets plus other real estate owned to assets | 4.3245% | 702 |
| Noncurrent loans to loans | 1.3044% | 3,229 |
| Net loans and leases to total assets | 72.7455% | 1,494 |
| Net loans and leases to deposits | 87.1904% | 1,471 |
| Net loans and leases to core deposits | 101.4795% | 1,028 |
| Total domestic deposits to total assets | 83.4330% | 4,399 |
| Equity capital to assets | 8.5104% | 5,727 |
| Core capital (leverage) ratio | 8.3561% | 5,910 |
| Tier 1 risk-based capital ratio | 11.5697% | 6,023 |
| Total risk-based capital ratio | 12.5781% | 6,104 |
| Memoranda: | ||
| Average total assets | $148,631,250 | 3,766 |
| Average earning assets | $129,158,000 | 3,902 |
| Average equity | $12,249,250 | 4,449 |
| Average total loans | $106,782,000 | 3,332 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4805% | 2,273 |
| Cost of funding earning assets | 1.0026% | 538 |
| Net interest margin | 3.4778% | 3,885 |
| Noninterest income to average assets | -0.2269% | 6,877 |
| Noninterest expense to average assets | 2.6162% | 4,328 |
| Loan and lease loss provision to assets | 0.0534% | 3,922 |
| Net operating income to assets | 0.0908% | 6,146 |
| Return on assets (ROA) | 0.0908% | 6,230 |
| Pretax return on assets | 0.1361% | 6,180 |
| Return on Equity (ROE) | 1.1131% | 6,184 |
| Retained earnings to average equity (ytd only) | 1.1131% | 5,454 |
| Net charge-offs to loans | 0.4848% | 1,357 |
| Credit loss provision to net charge-offs | 15.4440% | 3,822 |
| Earnings coverage of net charge-offs (x) | 0.5483% | 4,356 |
| Efficiency ratio | 93.2445% | 799 |
| Assets per employee ($millions) | 6.4168% | 944 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9993% | 5,824 |
| Loan loss allowance to noncurrent loans | 62.6814% | 4,678 |
| Noncurrent assets plus other real estate owned to assets | 4.4049% | 751 |
| Noncurrent loans to loans | 1.5943% | 2,918 |
| Net loans and leases to total assets | 72.4947% | 1,487 |
| Net loans and leases to deposits | 86.8808% | 1,471 |
| Net loans and leases to core deposits | 101.1381% | 994 |
| Total domestic deposits to total assets | 83.4415% | 4,526 |
| Equity capital to assets | 8.3063% | 5,969 |
| Core capital (leverage) ratio | 8.1953% | 6,012 |
| Tier 1 risk-based capital ratio | 11.2914% | 6,209 |
| Total risk-based capital ratio | 12.2948% | 6,289 |
| Memoranda: | ||
| Average total assets | $149,838,000 | 3,776 |
| Average earning assets | $130,656,330 | 3,893 |
| Average equity | $12,218,670 | 4,485 |
| Average total loans | $106,856,000 | 3,342 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4041% | 2,511 |
| Cost of funding earning assets | 1.0198% | 550 |
| Net interest margin | 3.3842% | 4,177 |
| Noninterest income to average assets | -0.3127% | 6,971 |
| Noninterest expense to average assets | 2.6046% | 4,393 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.0265% | 6,300 |
| Return on assets (ROA) | 0.0265% | 6,380 |
| Pretax return on assets | 0.0371% | 6,361 |
| Return on Equity (ROE) | 0.3279% | 6,365 |
| Retained earnings to average equity (ytd only) | 0.3279% | 5,682 |
| Net charge-offs to loans | 0.6777% | 906 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 0.0778% | 3,795 |
| Efficiency ratio | 98.5958% | 607 |
| Assets per employee ($millions) | 6.5389% | 971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0586% | 5,761 |
| Loan loss allowance to noncurrent loans | 65.8235% | 4,497 |
| Noncurrent assets plus other real estate owned to assets | 4.3785% | 859 |
| Noncurrent loans to loans | 1.6082% | 3,129 |
| Net loans and leases to total assets | 69.5427% | 1,747 |
| Net loans and leases to deposits | 84.0618% | 1,589 |
| Net loans and leases to core deposits | 99.1835% | 995 |
| Total domestic deposits to total assets | 82.7280% | 4,942 |
| Equity capital to assets | 8.1140% | 6,325 |
| Core capital (leverage) ratio | 8.0374% | 6,106 |
| Tier 1 risk-based capital ratio | 11.2280% | 6,298 |
| Total risk-based capital ratio | 12.2719% | 6,370 |
| Memoranda: | ||
| Average total assets | $150,964,000 | 3,787 |
| Average earning assets | $131,787,500 | 3,905 |
| Average equity | $12,198,500 | 4,538 |
| Average total loans | $106,248,000 | 3,377 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5343% | 3,263 |
| Cost of funding earning assets | 1.2003% | 579 |
| Net interest margin | 3.3341% | 5,125 |
| Noninterest income to average assets | 0.2036% | 5,957 |
| Noninterest expense to average assets | 2.6344% | 4,623 |
| Loan and lease loss provision to assets | 0.4602% | 1,367 |
| Net operating income to assets | 0.0244% | 6,131 |
| Return on assets (ROA) | 0.0244% | 6,275 |
| Pretax return on assets | 0.0353% | 6,240 |
| Return on Equity (ROE) | 0.2960% | 6,263 |
| Retained earnings to average equity (ytd only) | 0.2960% | 5,707 |
| Net charge-offs to loans | 0.2683% | 3,326 |
| Credit loss provision to net charge-offs | 242.1429% | 1,024 |
| Earnings coverage of net charge-offs (x) | 2.6071% | 4,119 |
| Efficiency ratio | 84.1683% | 1,611 |
| Assets per employee ($millions) | 6.8879% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2164% | 5,037 |
| Loan loss allowance to noncurrent loans | 35.2702% | 5,848 |
| Noncurrent assets plus other real estate owned to assets | 4.8128% | 823 |
| Noncurrent loans to loans | 3.4489% | 1,454 |
| Net loans and leases to total assets | 69.6147% | 1,915 |
| Net loans and leases to deposits | 84.6208% | 1,681 |
| Net loans and leases to core deposits | 99.5809% | 1,050 |
| Total domestic deposits to total assets | 82.2667% | 5,003 |
| Equity capital to assets | 8.0470% | 6,381 |
| Core capital (leverage) ratio | 7.9735% | 6,224 |
| Tier 1 risk-based capital ratio | 10.9647% | 6,362 |
| Total risk-based capital ratio | 12.1608% | 6,348 |
| Memoranda: | ||
| Average total assets | $147,317,800 | 3,819 |
| Average earning assets | $129,302,200 | 3,916 |
| Average equity | $12,161,800 | 4,533 |
| Average total loans | $104,363,400 | 3,414 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5388% | 3,469 |
| Cost of funding earning assets | 1.2385% | 579 |
| Net interest margin | 3.3002% | 5,398 |
| Noninterest income to average assets | 0.1969% | 6,120 |
| Noninterest expense to average assets | 2.6244% | 4,659 |
| Loan and lease loss provision to assets | 0.4922% | 1,250 |
| Net operating income to assets | -0.0128% | 6,302 |
| Return on assets (ROA) | -0.0128% | 6,421 |
| Pretax return on assets | -0.0219% | 6,418 |
| Return on Equity (ROE) | -0.1536% | 6,424 |
| Retained earnings to average equity (ytd only) | -0.1536% | 6,110 |
| Net charge-offs to loans | 0.6027% | 1,829 |
| Credit loss provision to net charge-offs | 115.1386% | 2,532 |
| Earnings coverage of net charge-offs (x) | 1.1002% | 4,749 |
| Efficiency ratio | 84.8012% | 1,495 |
| Assets per employee ($millions) | 6.7230% | 852 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8998% | 6,380 |
| Loan loss allowance to noncurrent loans | 27.1888% | 6,252 |
| Noncurrent assets plus other real estate owned to assets | 4.6354% | 987 |
| Noncurrent loans to loans | 3.3096% | 1,661 |
| Net loans and leases to total assets | 72.3750% | 1,489 |
| Net loans and leases to deposits | 88.4408% | 1,301 |
| Net loans and leases to core deposits | 103.8666% | 875 |
| Total domestic deposits to total assets | 81.8344% | 5,079 |
| Equity capital to assets | 8.2113% | 6,483 |
| Core capital (leverage) ratio | 8.1279% | 6,209 |
| Tier 1 risk-based capital ratio | 11.2898% | 6,365 |
| Total risk-based capital ratio | 12.1940% | 6,479 |
| Memoranda: | ||
| Average total assets | $146,263,750 | 3,875 |
| Average earning assets | $128,431,500 | 3,971 |
| Average equity | $12,153,750 | 4,575 |
| Average total loans | $103,757,000 | 3,466 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5292% | 3,648 |
| Cost of funding earning assets | 1.2664% | 605 |
| Net interest margin | 3.2628% | 5,559 |
| Noninterest income to average assets | 0.1565% | 6,412 |
| Noninterest expense to average assets | 2.5611% | 4,916 |
| Loan and lease loss provision to assets | 0.5078% | 1,236 |
| Net operating income to assets | -0.0302% | 6,359 |
| Return on assets (ROA) | -0.0302% | 6,479 |
| Pretax return on assets | -0.0480% | 6,483 |
| Return on Equity (ROE) | -0.3619% | 6,487 |
| Retained earnings to average equity (ytd only) | -0.3619% | 6,096 |
| Net charge-offs to loans | 0.7231% | 1,527 |
| Credit loss provision to net charge-offs | 100.0000% | 2,712 |
| Earnings coverage of net charge-offs (x) | 0.9054% | 4,587 |
| Efficiency ratio | 84.7796% | 1,556 |
| Assets per employee ($millions) | 6.8214% | 803 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8552% | 6,559 |
| Loan loss allowance to noncurrent loans | 52.8136% | 4,962 |
| Noncurrent assets plus other real estate owned to assets | 3.4157% | 1,570 |
| Noncurrent loans to loans | 1.6193% | 3,480 |
| Net loans and leases to total assets | 69.6017% | 1,988 |
| Net loans and leases to deposits | 85.2760% | 1,690 |
| Net loans and leases to core deposits | 98.7623% | 1,196 |
| Total domestic deposits to total assets | 81.6194% | 5,258 |
| Equity capital to assets | 8.0902% | 6,520 |
| Core capital (leverage) ratio | 8.1974% | 6,056 |
| Tier 1 risk-based capital ratio | 11.5580% | 6,185 |
| Total risk-based capital ratio | 12.4166% | 6,397 |
| Memoranda: | ||
| Average total assets | $145,716,330 | 3,909 |
| Average earning assets | $127,925,000 | 3,997 |
| Average equity | $12,156,670 | 4,571 |
| Average total loans | $102,336,330 | 3,508 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5221% | 3,831 |
| Cost of funding earning assets | 1.3093% | 612 |
| Net interest margin | 3.2128% | 5,749 |
| Noninterest income to average assets | 0.1561% | 6,457 |
| Noninterest expense to average assets | 2.5861% | 4,869 |
| Loan and lease loss provision to assets | 0.3901% | 1,617 |
| Net operating income to assets | -0.0028% | 6,421 |
| Return on assets (ROA) | -0.0028% | 6,534 |
| Pretax return on assets | -0.0028% | 6,532 |
| Return on Equity (ROE) | -0.0329% | 6,536 |
| Retained earnings to average equity (ytd only) | -0.0329% | 5,991 |
| Net charge-offs to loans | 0.5435% | 1,729 |
| Credit loss provision to net charge-offs | 102.1898% | 2,252 |
| Earnings coverage of net charge-offs (x) | 1.0146% | 3,818 |
| Efficiency ratio | 86.9728% | 1,379 |
| Assets per employee ($millions) | 6.5072% | 976 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8888% | 6,566 |
| Loan loss allowance to noncurrent loans | 30.1603% | 6,166 |
| Noncurrent assets plus other real estate owned to assets | 4.2994% | 1,266 |
| Noncurrent loans to loans | 2.9468% | 2,189 |
| Net loans and leases to total assets | 70.3412% | 1,699 |
| Net loans and leases to deposits | 86.2430% | 1,390 |
| Net loans and leases to core deposits | 100.1791% | 976 |
| Total domestic deposits to total assets | 81.5616% | 5,440 |
| Equity capital to assets | 8.4955% | 6,083 |
| Core capital (leverage) ratio | 8.4739% | 5,636 |
| Tier 1 risk-based capital ratio | 12.0066% | 5,958 |
| Total risk-based capital ratio | 12.8990% | 6,170 |
| Memoranda: | ||
| Average total assets | $143,539,000 | 3,981 |
| Average earning assets | $125,871,000 | 4,063 |
| Average equity | $12,164,500 | 4,577 |
| Average total loans | $100,828,000 | 3,576 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7069% | 4,212 |
| Cost of funding earning assets | 1.5894% | 494 |
| Net interest margin | 3.1175% | 6,303 |
| Noninterest income to average assets | 0.2908% | 5,457 |
| Noninterest expense to average assets | 2.5529% | 5,277 |
| Loan and lease loss provision to assets | 0.5809% | 1,782 |
| Net operating income to assets | -0.0812% | 6,147 |
| Return on assets (ROA) | -0.0812% | 6,225 |
| Pretax return on assets | -0.1226% | 6,223 |
| Return on Equity (ROE) | -0.9335% | 6,239 |
| Retained earnings to average equity (ytd only) | -0.9335% | 5,993 |
| Net charge-offs to loans | 0.9339% | 1,866 |
| Credit loss provision to net charge-offs | 88.1081% | 4,095 |
| Earnings coverage of net charge-offs (x) | 0.6951% | 5,288 |
| Efficiency ratio | 84.7811% | 1,683 |
| Assets per employee ($millions) | 6.5418% | 932 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9005% | 6,533 |
| Loan loss allowance to noncurrent loans | 34.9496% | 5,890 |
| Noncurrent assets plus other real estate owned to assets | 3.8382% | 1,500 |
| Noncurrent loans to loans | 2.5766% | 2,548 |
| Net loans and leases to total assets | 68.8945% | 2,226 |
| Net loans and leases to deposits | 84.5907% | 1,850 |
| Net loans and leases to core deposits | 101.1115% | 1,084 |
| Total domestic deposits to total assets | 81.4446% | 5,312 |
| Equity capital to assets | 8.4540% | 6,199 |
| Core capital (leverage) ratio | 8.4575% | 5,630 |
| Tier 1 risk-based capital ratio | 11.3395% | 6,259 |
| Total risk-based capital ratio | 12.1804% | 6,469 |
| Memoranda: | ||
| Average total assets | $140,311,200 | 3,970 |
| Average earning assets | $122,436,200 | 4,084 |
| Average equity | $12,211,600 | 4,502 |
| Average total loans | $99,051,600 | 3,642 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7470% | 4,243 |
| Cost of funding earning assets | 1.6420% | 494 |
| Net interest margin | 3.1050% | 6,373 |
| Noninterest income to average assets | 0.3242% | 5,277 |
| Noninterest expense to average assets | 2.5163% | 5,411 |
| Loan and lease loss provision to assets | 0.6523% | 1,504 |
| Net operating income to assets | -0.0928% | 6,275 |
| Return on assets (ROA) | -0.0928% | 6,361 |
| Pretax return on assets | -0.1406% | 6,364 |
| Return on Equity (ROE) | -1.0581% | 6,390 |
| Retained earnings to average equity (ytd only) | -1.0581% | 6,166 |
| Net charge-offs to loans | 1.1336% | 1,393 |
| Credit loss provision to net charge-offs | 81.1905% | 4,107 |
| Earnings coverage of net charge-offs (x) | 0.6369% | 5,150 |
| Efficiency ratio | 83.1017% | 1,838 |
| Assets per employee ($millions) | 7.4816% | 578 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8580% | 6,702 |
| Loan loss allowance to noncurrent loans | 31.8284% | 6,143 |
| Noncurrent assets plus other real estate owned to assets | 4.2828% | 1,420 |
| Noncurrent loans to loans | 2.6957% | 2,593 |
| Net loans and leases to total assets | 69.3382% | 2,207 |
| Net loans and leases to deposits | 85.3894% | 1,775 |
| Net loans and leases to core deposits | 103.5934% | 1,002 |
| Total domestic deposits to total assets | 81.2024% | 5,369 |
| Equity capital to assets | 8.5740% | 6,225 |
| Core capital (leverage) ratio | 8.5800% | 5,587 |
| Tier 1 risk-based capital ratio | 11.2973% | 6,361 |
| Total risk-based capital ratio | 12.0893% | 6,618 |
| Memoranda: | ||
| Average total assets | $139,409,000 | 4,012 |
| Average earning assets | $121,391,750 | 4,122 |
| Average equity | $12,222,750 | 4,509 |
| Average total loans | $98,801,000 | 3,677 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7860% | 4,148 |
| Cost of funding earning assets | 1.6827% | 502 |
| Net interest margin | 3.1033% | 6,401 |
| Noninterest income to average assets | 0.3220% | 5,320 |
| Noninterest expense to average assets | 2.5199% | 5,457 |
| Loan and lease loss provision to assets | 0.6556% | 1,466 |
| Net operating income to assets | -0.1011% | 6,351 |
| Return on assets (ROA) | -0.1011% | 6,404 |
| Pretax return on assets | -0.1531% | 6,417 |
| Return on Equity (ROE) | -1.1443% | 6,418 |
| Retained earnings to average equity (ytd only) | -1.1443% | 6,077 |
| Net charge-offs to loans | 1.2414% | 1,257 |
| Credit loss provision to net charge-offs | 74.1830% | 3,941 |
| Earnings coverage of net charge-offs (x) | 0.5686% | 4,876 |
| Efficiency ratio | 83.3731% | 1,900 |
| Assets per employee ($millions) | 6.6610% | 855 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8639% | 6,742 |
| Loan loss allowance to noncurrent loans | 28.0408% | 6,379 |
| Noncurrent assets plus other real estate owned to assets | 4.5553% | 1,379 |
| Noncurrent loans to loans | 3.0808% | 2,340 |
| Net loans and leases to total assets | 69.9788% | 2,223 |
| Net loans and leases to deposits | 86.5322% | 1,705 |
| Net loans and leases to core deposits | 104.9288% | 990 |
| Total domestic deposits to total assets | 80.8702% | 5,575 |
| Equity capital to assets | 8.7310% | 5,902 |
| Core capital (leverage) ratio | 8.8399% | 4,982 |
| Tier 1 risk-based capital ratio | 11.3937% | 6,256 |
| Total risk-based capital ratio | 12.1917% | 6,548 |
| Memoranda: | ||
| Average total assets | $138,495,000 | 4,056 |
| Average earning assets | $120,517,330 | 4,176 |
| Average equity | $12,234,330 | 4,497 |
| Average total loans | $98,595,330 | 3,725 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7172% | 4,448 |
| Cost of funding earning assets | 1.7335% | 488 |
| Net interest margin | 2.9837% | 6,603 |
| Noninterest income to average assets | 0.3280% | 5,284 |
| Noninterest expense to average assets | 2.4876% | 5,599 |
| Loan and lease loss provision to assets | 0.6792% | 1,252 |
| Net operating income to assets | -0.1596% | 6,519 |
| Return on assets (ROA) | -0.1596% | 6,536 |
| Pretax return on assets | -0.2409% | 6,569 |
| Return on Equity (ROE) | -1.7967% | 6,565 |
| Retained earnings to average equity (ytd only) | -1.7967% | 6,116 |
| Net charge-offs to loans | 1.6849% | 786 |
| Credit loss provision to net charge-offs | 56.3855% | 3,618 |
| Earnings coverage of net charge-offs (x) | 0.3639% | 4,342 |
| Efficiency ratio | 85.0198% | 1,841 |
| Assets per employee ($millions) | 6.5253% | 920 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8503% | 6,822 |
| Loan loss allowance to noncurrent loans | 34.4684% | 5,988 |
| Noncurrent assets plus other real estate owned to assets | 4.2669% | 1,534 |
| Noncurrent loans to loans | 2.4668% | 3,029 |
| Net loans and leases to total assets | 70.6307% | 2,002 |
| Net loans and leases to deposits | 88.5775% | 1,401 |
| Net loans and leases to core deposits | 105.6143% | 959 |
| Total domestic deposits to total assets | 79.7389% | 6,008 |
| Equity capital to assets | 8.9162% | 5,325 |
| Core capital (leverage) ratio | 8.9431% | 4,702 |
| Tier 1 risk-based capital ratio | 11.3225% | 6,231 |
| Total risk-based capital ratio | 12.0922% | 6,591 |
| Memoranda: | ||
| Average total assets | $137,802,000 | 4,103 |
| Average earning assets | $119,986,500 | 4,222 |
| Average equity | $12,245,000 | 4,497 |
| Average total loans | $98,523,000 | 3,757 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0809% | 4,183 |
| Cost of funding earning assets | 2.0664% | 479 |
| Net interest margin | 3.0144% | 6,709 |
| Noninterest income to average assets | 0.2910% | 5,701 |
| Noninterest expense to average assets | 2.3212% | 6,303 |
| Loan and lease loss provision to assets | 0.5450% | 2,963 |
| Net operating income to assets | 0.0486% | 5,700 |
| Return on assets (ROA) | 0.0486% | 5,844 |
| Pretax return on assets | 0.0733% | 5,751 |
| Return on Equity (ROE) | 0.5131% | 5,829 |
| Retained earnings to average equity (ytd only) | 0.5131% | 5,320 |
| Net charge-offs to loans | 0.4393% | 3,859 |
| Credit loss provision to net charge-offs | 169.7115% | 1,998 |
| Earnings coverage of net charge-offs (x) | 1.9255% | 4,286 |
| Efficiency ratio | 78.9653% | 2,542 |
| Assets per employee ($millions) | 6.9287% | 767 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0168% | 6,305 |
| Loan loss allowance to noncurrent loans | 19.2278% | 6,844 |
| Noncurrent assets plus other real estate owned to assets | 5.0645% | 1,258 |
| Noncurrent loans to loans | 5.2881% | 1,254 |
| Net loans and leases to total assets | 71.0232% | 2,297 |
| Net loans and leases to deposits | 88.1820% | 1,761 |
| Net loans and leases to core deposits | 103.4672% | 1,355 |
| Total domestic deposits to total assets | 80.5417% | 5,671 |
| Equity capital to assets | 8.8560% | 5,343 |
| Core capital (leverage) ratio | 9.0662% | 4,421 |
| Tier 1 risk-based capital ratio | 11.3319% | 6,058 |
| Total risk-based capital ratio | 12.2660% | 6,287 |
| Memoranda: | ||
| Average total assets | $129,547,800 | 4,283 |
| Average earning assets | $113,818,800 | 4,380 |
| Average equity | $12,279,000 | 4,538 |
| Average total loans | $94,688,000 | 3,935 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1953% | 3,858 |
| Cost of funding earning assets | 2.1364% | 470 |
| Net interest margin | 3.0589% | 6,711 |
| Noninterest income to average assets | 0.2975% | 5,758 |
| Noninterest expense to average assets | 2.2771% | 6,391 |
| Loan and lease loss provision to assets | 0.5017% | 2,950 |
| Net operating income to assets | 0.1341% | 5,678 |
| Return on assets (ROA) | 0.1341% | 5,841 |
| Pretax return on assets | 0.2032% | 5,725 |
| Return on Equity (ROE) | 1.3897% | 5,798 |
| Retained earnings to average equity (ytd only) | 1.3897% | 5,252 |
| Net charge-offs to loans | 0.5176% | 3,225 |
| Credit loss provision to net charge-offs | 131.9559% | 3,059 |
| Earnings coverage of net charge-offs (x) | 1.8540% | 4,319 |
| Efficiency ratio | 76.3611% | 2,878 |
| Assets per employee ($millions) | 6.5785% | 933 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8687% | 6,839 |
| Loan loss allowance to noncurrent loans | 21.2869% | 6,847 |
| Noncurrent assets plus other real estate owned to assets | 4.2350% | 1,617 |
| Noncurrent loans to loans | 4.0809% | 1,822 |
| Net loans and leases to total assets | 72.5956% | 2,101 |
| Net loans and leases to deposits | 92.2235% | 1,420 |
| Net loans and leases to core deposits | 107.8754% | 1,170 |
| Total domestic deposits to total assets | 78.7170% | 6,086 |
| Equity capital to assets | 9.3760% | 5,017 |
| Core capital (leverage) ratio | 9.3878% | 4,075 |
| Tier 1 risk-based capital ratio | 11.8863% | 5,566 |
| Total risk-based capital ratio | 12.6932% | 5,968 |
| Memoranda: | ||
| Average total assets | $127,291,500 | 4,385 |
| Average earning assets | $111,714,000 | 4,490 |
| Average equity | $12,280,750 | 4,603 |
| Average total loans | $93,502,500 | 4,036 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1899% | 4,006 |
| Cost of funding earning assets | 2.1837% | 489 |
| Net interest margin | 3.0062% | 6,811 |
| Noninterest income to average assets | 0.2940% | 5,793 |
| Noninterest expense to average assets | 2.2468% | 6,518 |
| Loan and lease loss provision to assets | 0.4592% | 3,021 |
| Net operating income to assets | 0.1525% | 5,711 |
| Return on assets (ROA) | 0.1525% | 5,835 |
| Pretax return on assets | 0.2304% | 5,704 |
| Return on Equity (ROE) | 1.5658% | 5,772 |
| Retained earnings to average equity (ytd only) | 1.5658% | 5,074 |
| Net charge-offs to loans | 0.4495% | 3,184 |
| Credit loss provision to net charge-offs | 138.9423% | 2,887 |
| Earnings coverage of net charge-offs (x) | 2.0865% | 3,986 |
| Efficiency ratio | 76.5152% | 2,979 |
| Assets per employee ($millions) | 6.5595% | 929 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8469% | 6,917 |
| Loan loss allowance to noncurrent loans | 23.5952% | 6,757 |
| Noncurrent assets plus other real estate owned to assets | 3.6527% | 1,917 |
| Noncurrent loans to loans | 3.5893% | 2,199 |
| Net loans and leases to total assets | 71.5738% | 2,519 |
| Net loans and leases to deposits | 91.7411% | 1,572 |
| Net loans and leases to core deposits | 104.7958% | 1,558 |
| Total domestic deposits to total assets | 78.0172% | 6,266 |
| Equity capital to assets | 9.3811% | 4,885 |
| Core capital (leverage) ratio | 9.4025% | 3,958 |
| Tier 1 risk-based capital ratio | 12.0033% | 5,304 |
| Total risk-based capital ratio | 12.7865% | 5,706 |
| Memoranda: | ||
| Average total assets | $125,865,330 | 4,450 |
| Average earning assets | $110,638,000 | 4,546 |
| Average equity | $12,262,330 | 4,610 |
| Average total loans | $92,553,000 | 4,093 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1937% | 4,055 |
| Cost of funding earning assets | 2.2080% | 575 |
| Net interest margin | 2.9857% | 6,861 |
| Noninterest income to average assets | 0.3052% | 5,699 |
| Noninterest expense to average assets | 2.2759% | 6,460 |
| Loan and lease loss provision to assets | 0.4286% | 2,817 |
| Net operating income to assets | 0.1526% | 5,846 |
| Return on assets (ROA) | 0.1526% | 5,974 |
| Pretax return on assets | 0.2305% | 5,795 |
| Return on Equity (ROE) | 1.5359% | 5,946 |
| Retained earnings to average equity (ytd only) | 1.5359% | 5,173 |
| Net charge-offs to loans | 0.3979% | 2,851 |
| Credit loss provision to net charge-offs | 145.0549% | 2,455 |
| Earnings coverage of net charge-offs (x) | 2.2308% | 3,420 |
| Efficiency ratio | 77.5442% | 2,970 |
| Assets per employee ($millions) | 6.7407% | 893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8155% | 7,088 |
| Loan loss allowance to noncurrent loans | 22.6718% | 6,869 |
| Noncurrent assets plus other real estate owned to assets | 3.4051% | 2,080 |
| Noncurrent loans to loans | 3.5970% | 2,218 |
| Net loans and leases to total assets | 72.3629% | 2,367 |
| Net loans and leases to deposits | 92.5651% | 1,537 |
| Net loans and leases to core deposits | 106.7166% | 1,516 |
| Total domestic deposits to total assets | 78.1751% | 6,278 |
| Equity capital to assets | 9.5773% | 4,411 |
| Core capital (leverage) ratio | 9.9007% | 3,287 |
| Tier 1 risk-based capital ratio | 12.2386% | 4,953 |
| Total risk-based capital ratio | 13.0000% | 5,392 |
| Memoranda: | ||
| Average total assets | $123,203,500 | 4,557 |
| Average earning assets | $108,515,500 | 4,646 |
| Average equity | $12,240,000 | 4,648 |
| Average total loans | $91,480,000 | 4,172 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1846% | 5,725 |
| Cost of funding earning assets | 2.8870% | 322 |
| Net interest margin | 2.2976% | 7,596 |
| Noninterest income to average assets | 0.4468% | 4,835 |
| Noninterest expense to average assets | 2.4072% | 6,445 |
| Loan and lease loss provision to assets | 0.5329% | 3,707 |
| Net operating income to assets | -0.2782% | 5,943 |
| Return on assets (ROA) | -0.2782% | 5,940 |
| Pretax return on assets | -0.4686% | 5,981 |
| Return on Equity (ROE) | -2.5285% | 5,926 |
| Retained earnings to average equity (ytd only) | -2.5285% | 5,621 |
| Net charge-offs to loans | 0.5292% | 3,666 |
| Credit loss provision to net charge-offs | 133.3333% | 3,740 |
| Earnings coverage of net charge-offs (x) | 0.1610% | 5,999 |
| Efficiency ratio | 97.3964% | 1,247 |
| Assets per employee ($millions) | 7.8889% | 541 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8054% | 7,112 |
| Loan loss allowance to noncurrent loans | 17.5085% | 7,160 |
| Noncurrent assets plus other real estate owned to assets | 4.4206% | 1,466 |
| Noncurrent loans to loans | 4.6001% | 1,533 |
| Net loans and leases to total assets | 75.0416% | 2,017 |
| Net loans and leases to deposits | 95.8787% | 1,347 |
| Net loans and leases to core deposits | 175.7317% | 188 |
| Total domestic deposits to total assets | 78.2673% | 6,167 |
| Equity capital to assets | 10.3217% | 3,382 |
| Core capital (leverage) ratio | 10.2164% | 2,866 |
| Tier 1 risk-based capital ratio | 13.0870% | 4,087 |
| Total risk-based capital ratio | 13.8603% | 4,378 |
| Memoranda: | ||
| Average total assets | $110,335,800 | 4,812 |
| Average earning assets | $97,230,400 | 4,915 |
| Average equity | $12,141,600 | 4,714 |
| Average total loans | $83,327,600 | 4,404 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1842% | 5,947 |
| Cost of funding earning assets | 3.0136% | 319 |
| Net interest margin | 2.1705% | 7,724 |
| Noninterest income to average assets | 0.4480% | 4,909 |
| Noninterest expense to average assets | 2.3519% | 6,547 |
| Loan and lease loss provision to assets | 0.5046% | 3,369 |
| Net operating income to assets | -0.3261% | 6,237 |
| Return on assets (ROA) | -0.3261% | 6,252 |
| Pretax return on assets | -0.4947% | 6,291 |
| Return on Equity (ROE) | -2.9143% | 6,232 |
| Retained earnings to average equity (ytd only) | -2.9143% | 5,920 |
| Net charge-offs to loans | 0.5103% | 3,180 |
| Credit loss provision to net charge-offs | 130.9904% | 3,817 |
| Earnings coverage of net charge-offs (x) | 0.0256% | 6,027 |
| Efficiency ratio | 99.5831% | 1,079 |
| Assets per employee ($millions) | 7.4398% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7654% | 7,211 |
| Loan loss allowance to noncurrent loans | 29.5075% | 6,494 |
| Noncurrent assets plus other real estate owned to assets | 2.8731% | 2,425 |
| Noncurrent loans to loans | 2.5938% | 2,910 |
| Net loans and leases to total assets | 73.0855% | 2,767 |
| Net loans and leases to deposits | 94.3078% | 1,832 |
| Net loans and leases to core deposits | 172.6939% | 248 |
| Total domestic deposits to total assets | 77.4967% | 6,218 |
| Equity capital to assets | 10.3002% | 3,736 |
| Core capital (leverage) ratio | 10.5619% | 2,749 |
| Tier 1 risk-based capital ratio | 13.4595% | 3,884 |
| Total risk-based capital ratio | 14.1971% | 4,156 |
| Memoranda: | ||
| Average total assets | $108,336,500 | 4,902 |
| Average earning assets | $95,519,000 | 4,993 |
| Average equity | $12,123,500 | 4,762 |
| Average total loans | $81,779,500 | 4,492 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2125% | 6,033 |
| Cost of funding earning assets | 3.1609% | 294 |
| Net interest margin | 2.0516% | 7,832 |
| Noninterest income to average assets | 0.4448% | 4,890 |
| Noninterest expense to average assets | 2.4549% | 6,283 |
| Loan and lease loss provision to assets | 0.6968% | 2,340 |
| Net operating income to assets | -0.5956% | 6,653 |
| Return on assets (ROA) | -0.5956% | 6,660 |
| Pretax return on assets | -0.9029% | 6,753 |
| Return on Equity (ROE) | -5.1666% | 6,628 |
| Retained earnings to average equity (ytd only) | -5.1666% | 6,327 |
| Net charge-offs to loans | 0.7843% | 2,110 |
| Credit loss provision to net charge-offs | 116.6134% | 3,978 |
| Earnings coverage of net charge-offs (x) | -0.3450% | 5,989 |
| Efficiency ratio | 109.1681% | 871 |
| Assets per employee ($millions) | 6.8844% | 810 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7408% | 7,327 |
| Loan loss allowance to noncurrent loans | 94.9924% | 3,030 |
| Noncurrent assets plus other real estate owned to assets | 1.6387% | 3,749 |
| Noncurrent loans to loans | 0.7799% | 5,670 |
| Net loans and leases to total assets | 76.1453% | 2,148 |
| Net loans and leases to deposits | 101.8680% | 1,081 |
| Net loans and leases to core deposits | 179.0764% | 227 |
| Total domestic deposits to total assets | 74.7490% | 6,815 |
| Equity capital to assets | 11.0967% | 2,838 |
| Core capital (leverage) ratio | 11.2407% | 2,236 |
| Tier 1 risk-based capital ratio | 14.1234% | 3,442 |
| Total risk-based capital ratio | 14.8484% | 3,685 |
| Memoranda: | ||
| Average total assets | $104,770,000 | 5,024 |
| Average earning assets | $92,124,330 | 5,115 |
| Average equity | $12,077,670 | 4,792 |
| Average total loans | $79,816,330 | 4,589 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1553% | 6,467 |
| Cost of funding earning assets | 3.2254% | 319 |
| Net interest margin | 1.9299% | 7,925 |
| Noninterest income to average assets | 0.4663% | 4,624 |
| Noninterest expense to average assets | 2.3785% | 6,264 |
| Loan and lease loss provision to assets | 0.1763% | 4,698 |
| Net operating income to assets | -0.2625% | 6,636 |
| Return on assets (ROA) | -0.2625% | 6,713 |
| Pretax return on assets | -0.3958% | 6,744 |
| Return on Equity (ROE) | -2.2324% | 6,687 |
| Retained earnings to average equity (ytd only) | -2.2324% | 6,145 |
| Net charge-offs to loans | 0.0671% | 4,531 |
| Credit loss provision to net charge-offs | 346.1538% | 1,452 |
| Earnings coverage of net charge-offs (x) | -4.3077% | 5,552 |
| Efficiency ratio | 110.1633% | 805 |
| Assets per employee ($millions) | 6.6638% | 891 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7565% | 7,293 |
| Loan loss allowance to noncurrent loans | 93.8080% | 3,220 |
| Noncurrent assets plus other real estate owned to assets | 1.5438% | 3,621 |
| Noncurrent loans to loans | 0.8064% | 5,420 |
| Net loans and leases to total assets | 74.5679% | 2,609 |
| Net loans and leases to deposits | 101.1527% | 1,268 |
| Net loans and leases to core deposits | 170.6958% | 332 |
| Total domestic deposits to total assets | 73.7181% | 6,930 |
| Equity capital to assets | 11.7097% | 2,440 |
| Core capital (leverage) ratio | 12.2535% | 1,787 |
| Tier 1 risk-based capital ratio | 14.9923% | 3,071 |
| Total risk-based capital ratio | 15.7226% | 3,247 |
| Memoranda: | ||
| Average total assets | $102,080,000 | 5,122 |
| Average earning assets | $89,539,000 | 5,239 |
| Average equity | $12,005,000 | 4,832 |
| Average total loans | $77,474,500 | 4,702 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8939% | 6,064 |
| Cost of funding earning assets | 3.6737% | 290 |
| Net interest margin | 2.2202% | 7,950 |
| Noninterest income to average assets | 0.5721% | 4,069 |
| Noninterest expense to average assets | 2.6227% | 5,566 |
| Loan and lease loss provision to assets | 0.1820% | 5,074 |
| Net operating income to assets | -0.1783% | 6,593 |
| Return on assets (ROA) | -0.1783% | 6,444 |
| Pretax return on assets | -0.2712% | 6,435 |
| Return on Equity (ROE) | -1.3075% | 6,402 |
| Retained earnings to average equity (ytd only) | -1.3075% | 5,682 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 103.5191% | 881 |
| Assets per employee ($millions) | 6.0962% | 1,086 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7670% | 7,215 |
| Loan loss allowance to noncurrent loans | 34.4125% | 6,437 |
| Noncurrent assets plus other real estate owned to assets | 1.7101% | 2,848 |
| Noncurrent loans to loans | 2.2288% | 2,468 |
| Net loans and leases to total assets | 76.1378% | 2,583 |
| Net loans and leases to deposits | 105.7154% | 1,149 |
| Net loans and leases to core deposits | 168.3762% | 434 |
| Total domestic deposits to total assets | 72.0214% | 6,989 |
| Equity capital to assets | 11.8158% | 2,415 |
| Core capital (leverage) ratio | 12.2048% | 1,880 |
| Tier 1 risk-based capital ratio | 15.7887% | 2,746 |
| Total risk-based capital ratio | 16.5786% | 2,843 |
| Memoranda: | ||
| Average total assets | $80,756,000 | 5,675 |
| Average earning assets | $71,344,800 | 5,766 |
| Average equity | $11,013,800 | 5,118 |
| Average total loans | $62,077,400 | 5,178 |