Home > Peoples Bank > Performance and Condition Ratios
Peoples Bank, Performance and Condition Ratios
| 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 | 4.4650% | 1,829 |
| Cost of funding earning assets | 0.0821% | 5,545 |
| Net interest margin | 4.3829% | 805 |
| Noninterest income to average assets | 14.0167% | 50 |
| Noninterest expense to average assets | 16.9246% | 42 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.3844% | 4,742 |
| Return on assets (ROA) | 0.3844% | 4,755 |
| Pretax return on assets | 1.0700% | 3,303 |
| Return on Equity (ROE) | 3.7333% | 4,592 |
| Retained earnings to average equity (ytd only) | -14.2716% | 5,587 |
| Net charge-offs to loans | 0.0252% | 3,303 |
| Credit loss provision to net charge-offs | 0.0000% | 3,708 |
| Earnings coverage of net charge-offs (x) | 57.4725% | 984 |
| Efficiency ratio | 94.0538% | 292 |
| Assets per employee ($millions) | 2.8514% | 5,292 |
| Cash dividends to net income (ytd only)* | 482.2778% | 24 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5131% | 1,362 |
| Loan loss allowance to noncurrent loans | 386.5159% | 1,367 |
| Noncurrent assets plus other real estate owned to assets | 0.5556% | 2,694 |
| Noncurrent loans to loans | 0.3915% | 3,355 |
| Net loans and leases to total assets | 63.4620% | 3,428 |
| Net loans and leases to deposits | 71.2794% | 3,764 |
| Net loans and leases to core deposits | 71.3810% | 4,091 |
| Total domestic deposits to total assets | 89.0327% | 989 |
| Equity capital to assets | 9.5585% | 4,182 |
| Core capital (leverage) ratio | 9.5268% | 4,009 |
| Tier 1 risk-based capital ratio | 13.5208% | 3,617 |
| Total risk-based capital ratio | 14.7728% | 3,524 |
| Memoranda: | ||
| Average total assets | $488,786,800 | 1,432 |
| Average earning assets | $443,610,400 | 1,456 |
| Average equity | $50,330,600 | 1,514 |
| Average total loans | $361,342,000 | 1,346 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4940% | 1,662 |
| Cost of funding earning assets | 0.0831% | 5,611 |
| Net interest margin | 4.4108% | 712 |
| Noninterest income to average assets | 16.5849% | 46 |
| Noninterest expense to average assets | 18.3782% | 44 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.3605% | 1,183 |
| Return on assets (ROA) | 1.3605% | 1,201 |
| Pretax return on assets | 2.1995% | 366 |
| Return on Equity (ROE) | 12.9887% | 1,061 |
| Retained earnings to average equity (ytd only) | -1.3022% | 5,376 |
| Net charge-offs to loans | 0.0341% | 2,749 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | 84.6541% | 782 |
| Efficiency ratio | 89.3114% | 438 |
| Assets per employee ($millions) | 1.0587% | 5,686 |
| Cash dividends to net income (ytd only)* | 110.0258% | 220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1632% | 3,128 |
| Loan loss allowance to noncurrent loans | 556.0917% | 949 |
| Noncurrent assets plus other real estate owned to assets | 0.5174% | 2,987 |
| Noncurrent loans to loans | 0.2092% | 4,239 |
| Net loans and leases to total assets | 78.8908% | 1,136 |
| Net loans and leases to deposits | 92.2504% | 1,535 |
| Net loans and leases to core deposits | 92.3809% | 2,404 |
| Total domestic deposits to total assets | 85.5181% | 2,515 |
| Equity capital to assets | 10.5094% | 3,364 |
| Core capital (leverage) ratio | 10.7713% | 2,671 |
| Tier 1 risk-based capital ratio | 13.9509% | 3,466 |
| Total risk-based capital ratio | 15.1997% | 3,392 |
| Memoranda: | ||
| Average total assets | $492,652,000 | 1,434 |
| Average earning assets | $445,950,500 | 1,456 |
| Average equity | $51,602,500 | 1,498 |
| Average total loans | $375,428,250 | 1,307 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3759% | 1,893 |
| Cost of funding earning assets | 0.0732% | 5,673 |
| Net interest margin | 4.3027% | 852 |
| Noninterest income to average assets | 16.8004% | 45 |
| Noninterest expense to average assets | 18.2324% | 43 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.5052% | 854 |
| Return on assets (ROA) | 1.5052% | 882 |
| Pretax return on assets | 2.4447% | 234 |
| Return on Equity (ROE) | 14.3866% | 759 |
| Retained earnings to average equity (ytd only) | -3.4974% | 5,467 |
| Net charge-offs to loans | 0.0901% | 1,711 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | 36.1807% | 1,337 |
| Efficiency ratio | 88.1769% | 537 |
| Assets per employee ($millions) | 0.7945% | 5,743 |
| Cash dividends to net income (ytd only)* | 124.3104% | 257 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1555% | 3,282 |
| Loan loss allowance to noncurrent loans | 471.9335% | 1,083 |
| Noncurrent assets plus other real estate owned to assets | 0.6581% | 2,574 |
| Noncurrent loans to loans | 0.2448% | 4,153 |
| Net loans and leases to total assets | 76.3811% | 1,485 |
| Net loans and leases to deposits | 91.3713% | 1,567 |
| Net loans and leases to core deposits | 91.5004% | 2,373 |
| Total domestic deposits to total assets | 83.5942% | 3,366 |
| Equity capital to assets | 10.2048% | 3,664 |
| Core capital (leverage) ratio | 10.8959% | 2,511 |
| Tier 1 risk-based capital ratio | 13.9484% | 3,450 |
| Total risk-based capital ratio | 15.1817% | 3,383 |
| Memoranda: | ||
| Average total assets | $491,357,330 | 1,441 |
| Average earning assets | $442,699,670 | 1,474 |
| Average equity | $51,409,000 | 1,505 |
| Average total loans | $368,460,670 | 1,328 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3112% | 1,927 |
| Cost of funding earning assets | 0.0694% | 5,746 |
| Net interest margin | 4.2418% | 902 |
| Noninterest income to average assets | 15.8414% | 45 |
| Noninterest expense to average assets | 17.7891% | 42 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1292% | 1,752 |
| Return on assets (ROA) | 1.1292% | 1,790 |
| Pretax return on assets | 1.8500% | 723 |
| Return on Equity (ROE) | 10.6546% | 1,685 |
| Retained earnings to average equity (ytd only) | -21.0121% | 5,740 |
| Net charge-offs to loans | 0.1931% | 891 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | 12.9826% | 1,813 |
| Efficiency ratio | 90.5800% | 527 |
| Assets per employee ($millions) | 0.7599% | 5,813 |
| Cash dividends to net income (ytd only)* | 297.2120% | 105 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2874% | 2,599 |
| Loan loss allowance to noncurrent loans | 315.9582% | 1,550 |
| Noncurrent assets plus other real estate owned to assets | 1.0190% | 1,788 |
| Noncurrent loans to loans | 0.4075% | 3,631 |
| Net loans and leases to total assets | 70.9311% | 2,232 |
| Net loans and leases to deposits | 81.1469% | 2,612 |
| Net loans and leases to core deposits | 81.2607% | 3,169 |
| Total domestic deposits to total assets | 87.4107% | 2,029 |
| Equity capital to assets | 10.1688% | 3,546 |
| Core capital (leverage) ratio | 10.7280% | 2,667 |
| Tier 1 risk-based capital ratio | 14.6648% | 3,133 |
| Total risk-based capital ratio | 15.9159% | 3,057 |
| Memoranda: | ||
| Average total assets | $482,811,500 | 1,464 |
| Average earning assets | $432,267,000 | 1,516 |
| Average equity | $51,170,500 | 1,511 |
| Average total loans | $356,241,500 | 1,376 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6028% | 1,278 |
| Cost of funding earning assets | 0.1042% | 5,684 |
| Net interest margin | 4.4986% | 626 |
| Noninterest income to average assets | 19.9562% | 40 |
| Noninterest expense to average assets | 20.0259% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 2.4237% | 160 |
| Return on assets (ROA) | 2.4237% | 162 |
| Pretax return on assets | 3.9671% | 66 |
| Return on Equity (ROE) | 23.5285% | 106 |
| Retained earnings to average equity (ytd only) | 9.7114% | 462 |
| Net charge-offs to loans | -0.1291% | 5,650 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.4655% | 1,061 |
| Assets per employee ($millions) | 0.7013% | 5,872 |
| Cash dividends to net income (ytd only)* | 58.7248% | 1,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3061% | 2,511 |
| Loan loss allowance to noncurrent loans | 342.5036% | 1,463 |
| Noncurrent assets plus other real estate owned to assets | 1.2117% | 1,484 |
| Noncurrent loans to loans | 0.3813% | 3,765 |
| Net loans and leases to total assets | 74.7829% | 1,728 |
| Net loans and leases to deposits | 85.3127% | 2,265 |
| Net loans and leases to core deposits | 85.4357% | 2,889 |
| Total domestic deposits to total assets | 87.6574% | 1,809 |
| Equity capital to assets | 11.0413% | 2,603 |
| Core capital (leverage) ratio | 10.7125% | 2,640 |
| Tier 1 risk-based capital ratio | 14.8425% | 3,033 |
| Total risk-based capital ratio | 16.0936% | 2,967 |
| Memoranda: | ||
| Average total assets | $491,817,800 | 1,405 |
| Average earning assets | $441,337,200 | 1,444 |
| Average equity | $50,662,000 | 1,499 |
| Average total loans | $399,689,800 | 1,204 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5200% | 1,480 |
| Cost of funding earning assets | 0.1037% | 5,750 |
| Net interest margin | 4.4163% | 751 |
| Noninterest income to average assets | 19.9207% | 40 |
| Noninterest expense to average assets | 19.8140% | 38 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 2.4983% | 156 |
| Return on assets (ROA) | 2.4983% | 160 |
| Pretax return on assets | 4.0820% | 69 |
| Return on Equity (ROE) | 24.6785% | 88 |
| Retained earnings to average equity (ytd only) | 10.5200% | 486 |
| Net charge-offs to loans | -0.1452% | 5,683 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9178% | 1,080 |
| Assets per employee ($millions) | 0.7836% | 5,939 |
| Cash dividends to net income (ytd only)* | 57.3719% | 1,537 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0755% | 3,983 |
| Loan loss allowance to noncurrent loans | 295.6633% | 1,633 |
| Noncurrent assets plus other real estate owned to assets | 1.1415% | 1,767 |
| Noncurrent loans to loans | 0.3638% | 3,954 |
| Net loans and leases to total assets | 81.8325% | 643 |
| Net loans and leases to deposits | 103.6045% | 477 |
| Net loans and leases to core deposits | 103.9156% | 1,346 |
| Total domestic deposits to total assets | 78.9854% | 4,729 |
| Equity capital to assets | 9.9694% | 4,153 |
| Core capital (leverage) ratio | 10.2609% | 3,268 |
| Tier 1 risk-based capital ratio | 13.5862% | 3,812 |
| Total risk-based capital ratio | 14.8120% | 3,735 |
| Memoranda: | ||
| Average total assets | $495,893,500 | 1,396 |
| Average earning assets | $446,363,750 | 1,430 |
| Average equity | $50,201,750 | 1,522 |
| Average total loans | $409,534,750 | 1,184 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5087% | 1,482 |
| Cost of funding earning assets | 0.0939% | 5,874 |
| Net interest margin | 4.4148% | 742 |
| Noninterest income to average assets | 18.6321% | 41 |
| Noninterest expense to average assets | 19.1847% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 2.1001% | 279 |
| Return on assets (ROA) | 2.1001% | 297 |
| Pretax return on assets | 3.4211% | 94 |
| Return on Equity (ROE) | 20.6328% | 213 |
| Retained earnings to average equity (ytd only) | 14.0387% | 183 |
| Net charge-offs to loans | -0.2167% | 5,824 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.8662% | 975 |
| Assets per employee ($millions) | 0.7972% | 6,015 |
| Cash dividends to net income (ytd only)* | 31.9594% | 2,761 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0403% | 4,280 |
| Loan loss allowance to noncurrent loans | 287.1508% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 1.1719% | 1,794 |
| Noncurrent loans to loans | 0.3623% | 4,069 |
| Net loans and leases to total assets | 82.6309% | 560 |
| Net loans and leases to deposits | 111.0551% | 228 |
| Net loans and leases to core deposits | 111.4015% | 854 |
| Total domestic deposits to total assets | 74.4053% | 5,480 |
| Equity capital to assets | 9.6770% | 4,576 |
| Core capital (leverage) ratio | 10.5245% | 2,943 |
| Tier 1 risk-based capital ratio | 13.7367% | 3,751 |
| Total risk-based capital ratio | 14.9846% | 3,679 |
| Memoranda: | ||
| Average total assets | $487,502,330 | 1,421 |
| Average earning assets | $438,796,000 | 1,457 |
| Average equity | $49,620,000 | 1,535 |
| Average total loans | $402,367,000 | 1,205 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4868% | 1,548 |
| Cost of funding earning assets | 0.0702% | 6,012 |
| Net interest margin | 4.4167% | 710 |
| Noninterest income to average assets | 17.7037% | 41 |
| Noninterest expense to average assets | 18.6698% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.8332% | 451 |
| Return on assets (ROA) | 1.8332% | 480 |
| Pretax return on assets | 2.9876% | 133 |
| Return on Equity (ROE) | 17.5162% | 393 |
| Retained earnings to average equity (ytd only) | 11.0802% | 638 |
| Net charge-offs to loans | -0.4134% | 5,971 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.2051% | 955 |
| Assets per employee ($millions) | 0.7332% | 6,081 |
| Cash dividends to net income (ytd only)* | 36.7433% | 2,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1735% | 3,641 |
| Loan loss allowance to noncurrent loans | 134.2707% | 2,981 |
| Noncurrent assets plus other real estate owned to assets | 2.0414% | 842 |
| Noncurrent loans to loans | 0.8740% | 2,661 |
| Net loans and leases to total assets | 80.7528% | 712 |
| Net loans and leases to deposits | 97.8418% | 770 |
| Net loans and leases to core deposits | 98.1483% | 1,625 |
| Total domestic deposits to total assets | 82.5340% | 4,055 |
| Equity capital to assets | 10.3246% | 3,718 |
| Core capital (leverage) ratio | 11.1328% | 2,279 |
| Tier 1 risk-based capital ratio | 14.1678% | 3,589 |
| Total risk-based capital ratio | 15.4190% | 3,514 |
| Memoranda: | ||
| Average total assets | $464,987,000 | 1,475 |
| Average earning assets | $416,242,500 | 1,521 |
| Average equity | $48,663,500 | 1,558 |
| Average total loans | $381,219,000 | 1,241 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6253% | 1,273 |
| Cost of funding earning assets | 0.0835% | 6,022 |
| Net interest margin | 4.5418% | 609 |
| Noninterest income to average assets | 19.2008% | 43 |
| Noninterest expense to average assets | 19.2055% | 40 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 2.4557% | 161 |
| Return on assets (ROA) | 2.4557% | 164 |
| Pretax return on assets | 4.0222% | 75 |
| Return on Equity (ROE) | 25.4641% | 95 |
| Retained earnings to average equity (ytd only) | 17.0206% | 92 |
| Net charge-offs to loans | 0.0333% | 3,543 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | 147.5669% | 428 |
| Efficiency ratio | 82.6838% | 1,311 |
| Assets per employee ($millions) | 0.7185% | 6,138 |
| Cash dividends to net income (ytd only)* | 33.1585% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1269% | 3,886 |
| Loan loss allowance to noncurrent loans | 85.5102% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 2.6770% | 552 |
| Noncurrent loans to loans | 1.3178% | 1,790 |
| Net loans and leases to total assets | 81.3467% | 659 |
| Net loans and leases to deposits | 93.6842% | 1,230 |
| Net loans and leases to core deposits | 93.9793% | 2,049 |
| Total domestic deposits to total assets | 86.8307% | 2,224 |
| Equity capital to assets | 10.6147% | 3,227 |
| Core capital (leverage) ratio | 10.8794% | 2,521 |
| Tier 1 risk-based capital ratio | 14.1476% | 3,638 |
| Total risk-based capital ratio | 15.3976% | 3,552 |
| Memoranda: | ||
| Average total assets | $465,943,800 | 1,445 |
| Average earning assets | $413,115,800 | 1,493 |
| Average equity | $44,933,800 | 1,641 |
| Average total loans | $381,408,600 | 1,209 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6034% | 1,321 |
| Cost of funding earning assets | 0.0866% | 6,105 |
| Net interest margin | 4.5168% | 624 |
| Noninterest income to average assets | 19.8012% | 44 |
| Noninterest expense to average assets | 19.4025% | 42 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 2.6939% | 123 |
| Return on assets (ROA) | 2.6939% | 124 |
| Pretax return on assets | 4.3974% | 65 |
| Return on Equity (ROE) | 28.6282% | 66 |
| Retained earnings to average equity (ytd only) | 20.8350% | 61 |
| Net charge-offs to loans | 0.0396% | 3,097 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 135.8124% | 501 |
| Efficiency ratio | 81.5234% | 1,459 |
| Assets per employee ($millions) | 0.7289% | 6,228 |
| Cash dividends to net income (ytd only)* | 27.2219% | 2,936 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0855% | 4,310 |
| Loan loss allowance to noncurrent loans | 86.4815% | 4,004 |
| Noncurrent assets plus other real estate owned to assets | 2.6991% | 606 |
| Noncurrent loans to loans | 1.2552% | 2,028 |
| Net loans and leases to total assets | 82.8722% | 490 |
| Net loans and leases to deposits | 97.8186% | 828 |
| Net loans and leases to core deposits | 98.2134% | 1,682 |
| Total domestic deposits to total assets | 84.7203% | 3,120 |
| Equity capital to assets | 10.2344% | 3,887 |
| Core capital (leverage) ratio | 10.1576% | 3,428 |
| Tier 1 risk-based capital ratio | 13.1925% | 4,329 |
| Total risk-based capital ratio | 14.3821% | 4,281 |
| Memoranda: | ||
| Average total assets | $469,447,250 | 1,446 |
| Average earning assets | $415,593,250 | 1,497 |
| Average equity | $44,174,500 | 1,678 |
| Average total loans | $383,805,750 | 1,205 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5072% | 1,508 |
| Cost of funding earning assets | 0.0839% | 6,185 |
| Net interest margin | 4.4233% | 731 |
| Noninterest income to average assets | 19.8072% | 45 |
| Noninterest expense to average assets | 19.2740% | 42 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.7363% | 122 |
| Return on assets (ROA) | 2.7363% | 127 |
| Pretax return on assets | 4.4422% | 67 |
| Return on Equity (ROE) | 29.9351% | 69 |
| Retained earnings to average equity (ytd only) | 24.5611% | 47 |
| Net charge-offs to loans | -0.0308% | 5,345 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.2692% | 1,589 |
| Assets per employee ($millions) | 0.7510% | 6,305 |
| Cash dividends to net income (ytd only)* | 17.9523% | 3,252 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0580% | 4,552 |
| Loan loss allowance to noncurrent loans | 75.9195% | 4,322 |
| Noncurrent assets plus other real estate owned to assets | 2.7916% | 629 |
| Noncurrent loans to loans | 1.3936% | 1,937 |
| Net loans and leases to total assets | 82.1907% | 534 |
| Net loans and leases to deposits | 107.8116% | 313 |
| Net loans and leases to core deposits | 108.2605% | 937 |
| Total domestic deposits to total assets | 76.2355% | 5,573 |
| Equity capital to assets | 9.1706% | 5,057 |
| Core capital (leverage) ratio | 9.9107% | 3,726 |
| Tier 1 risk-based capital ratio | 12.5105% | 4,794 |
| Total risk-based capital ratio | 13.7261% | 4,737 |
| Memoranda: | ||
| Average total assets | $471,880,000 | 1,444 |
| Average earning assets | $417,018,330 | 1,503 |
| Average equity | $43,133,330 | 1,719 |
| Average total loans | $382,675,670 | 1,207 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4534% | 1,602 |
| Cost of funding earning assets | 0.0803% | 6,266 |
| Net interest margin | 4.3732% | 777 |
| Noninterest income to average assets | 18.8451% | 45 |
| Noninterest expense to average assets | 18.6037% | 44 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.5262% | 148 |
| Return on assets (ROA) | 2.5262% | 158 |
| Pretax return on assets | 4.0891% | 88 |
| Return on Equity (ROE) | 27.6854% | 75 |
| Retained earnings to average equity (ytd only) | 27.6854% | 31 |
| Net charge-offs to loans | -0.0327% | 5,303 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9806% | 1,620 |
| Assets per employee ($millions) | 0.7470% | 6,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1322% | 4,363 |
| Loan loss allowance to noncurrent loans | 73.8031% | 4,340 |
| Noncurrent assets plus other real estate owned to assets | 3.1979% | 556 |
| Noncurrent loans to loans | 1.5341% | 1,829 |
| Net loans and leases to total assets | 80.7865% | 593 |
| Net loans and leases to deposits | 97.9095% | 681 |
| Net loans and leases to core deposits | 98.3086% | 1,449 |
| Total domestic deposits to total assets | 82.5114% | 4,351 |
| Equity capital to assets | 9.2201% | 5,061 |
| Core capital (leverage) ratio | 9.8999% | 3,750 |
| Tier 1 risk-based capital ratio | 12.2446% | 5,077 |
| Total risk-based capital ratio | 13.4909% | 4,990 |
| Memoranda: | ||
| Average total assets | $458,877,000 | 1,480 |
| Average earning assets | $403,735,500 | 1,542 |
| Average equity | $41,870,500 | 1,765 |
| Average total loans | $367,217,500 | 1,248 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8332% | 1,046 |
| Cost of funding earning assets | 0.1079% | 6,306 |
| Net interest margin | 4.7253% | 503 |
| Noninterest income to average assets | 14.7593% | 52 |
| Noninterest expense to average assets | 16.8933% | 43 |
| Loan and lease loss provision to assets | 0.0114% | 4,398 |
| Net operating income to assets | 1.2236% | 1,516 |
| Return on assets (ROA) | 1.2270% | 1,559 |
| Pretax return on assets | 1.9635% | 548 |
| Return on Equity (ROE) | 13.4171% | 1,062 |
| Retained earnings to average equity (ytd only) | 1.1113% | 5,276 |
| Net charge-offs to loans | 0.1661% | 2,373 |
| Credit loss provision to net charge-offs | 8.9127% | 4,112 |
| Earnings coverage of net charge-offs (x) | 15.4403% | 2,079 |
| Efficiency ratio | 89.5595% | 873 |
| Assets per employee ($millions) | 0.7682% | 6,463 |
| Cash dividends to net income (ytd only)* | 91.7176% | 539 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2317% | 3,811 |
| Loan loss allowance to noncurrent loans | 235.7728% | 1,988 |
| Noncurrent assets plus other real estate owned to assets | 2.6125% | 864 |
| Noncurrent loans to loans | 0.5224% | 4,106 |
| Net loans and leases to total assets | 77.2922% | 1,098 |
| Net loans and leases to deposits | 92.0443% | 1,286 |
| Net loans and leases to core deposits | 92.4250% | 2,046 |
| Total domestic deposits to total assets | 83.9728% | 3,727 |
| Equity capital to assets | 9.0244% | 5,258 |
| Core capital (leverage) ratio | 9.5679% | 4,149 |
| Tier 1 risk-based capital ratio | 13.3694% | 4,485 |
| Total risk-based capital ratio | 14.6219% | 4,422 |
| Memoranda: | ||
| Average total assets | $439,838,000 | 1,511 |
| Average earning assets | $381,941,800 | 1,589 |
| Average equity | $40,224,800 | 1,772 |
| Average total loans | $337,664,400 | 1,292 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7707% | 1,158 |
| Cost of funding earning assets | 0.1146% | 6,360 |
| Net interest margin | 4.6561% | 555 |
| Noninterest income to average assets | 13.7484% | 54 |
| Noninterest expense to average assets | 16.2047% | 47 |
| Loan and lease loss provision to assets | 0.0152% | 4,108 |
| Net operating income to assets | 0.9802% | 2,542 |
| Return on assets (ROA) | 0.9827% | 2,594 |
| Pretax return on assets | 1.5799% | 1,390 |
| Return on Equity (ROE) | 10.7091% | 1,904 |
| Retained earnings to average equity (ytd only) | 5.9801% | 2,422 |
| Net charge-offs to loans | 0.2109% | 1,780 |
| Credit loss provision to net charge-offs | 9.4518% | 3,712 |
| Earnings coverage of net charge-offs (x) | 9.8771% | 2,610 |
| Efficiency ratio | 91.0589% | 767 |
| Assets per employee ($millions) | 0.7514% | 6,545 |
| Cash dividends to net income (ytd only)* | 44.1586% | 2,144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3194% | 3,552 |
| Loan loss allowance to noncurrent loans | 312.8777% | 1,468 |
| Noncurrent assets plus other real estate owned to assets | 2.6463% | 968 |
| Noncurrent loans to loans | 0.4217% | 4,642 |
| Net loans and leases to total assets | 76.4796% | 1,161 |
| Net loans and leases to deposits | 88.9636% | 1,559 |
| Net loans and leases to core deposits | 89.3470% | 2,284 |
| Total domestic deposits to total assets | 85.9673% | 2,858 |
| Equity capital to assets | 9.8192% | 4,397 |
| Core capital (leverage) ratio | 9.6742% | 4,123 |
| Tier 1 risk-based capital ratio | 13.9732% | 4,237 |
| Total risk-based capital ratio | 15.2261% | 4,170 |
| Memoranda: | ||
| Average total assets | $437,828,250 | 1,529 |
| Average earning assets | $380,593,750 | 1,609 |
| Average equity | $40,176,500 | 1,785 |
| Average total loans | $334,457,750 | 1,309 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5796% | 1,587 |
| Cost of funding earning assets | 0.1044% | 6,470 |
| Net interest margin | 4.4751% | 742 |
| Noninterest income to average assets | 12.7298% | 56 |
| Noninterest expense to average assets | 15.4533% | 46 |
| Loan and lease loss provision to assets | 0.0226% | 3,827 |
| Net operating income to assets | 0.7157% | 3,756 |
| Return on assets (ROA) | 0.7195% | 3,828 |
| Pretax return on assets | 1.1566% | 2,848 |
| Return on Equity (ROE) | 8.0206% | 3,080 |
| Retained earnings to average equity (ytd only) | 1.9673% | 4,894 |
| Net charge-offs to loans | 0.2464% | 1,576 |
| Credit loss provision to net charge-offs | 12.0773% | 3,283 |
| Earnings coverage of net charge-offs (x) | 6.2633% | 2,798 |
| Efficiency ratio | 92.9433% | 695 |
| Assets per employee ($millions) | 0.7997% | 6,612 |
| Cash dividends to net income (ytd only)* | 75.4717% | 1,024 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2355% | 4,244 |
| Loan loss allowance to noncurrent loans | 182.8759% | 2,307 |
| Noncurrent assets plus other real estate owned to assets | 2.6524% | 1,016 |
| Noncurrent loans to loans | 0.6756% | 4,024 |
| Net loans and leases to total assets | 78.0092% | 908 |
| Net loans and leases to deposits | 98.3209% | 645 |
| Net loans and leases to core deposits | 98.8178% | 1,384 |
| Total domestic deposits to total assets | 79.3415% | 5,377 |
| Equity capital to assets | 8.8336% | 5,490 |
| Core capital (leverage) ratio | 9.5279% | 4,287 |
| Tier 1 risk-based capital ratio | 13.6547% | 4,486 |
| Total risk-based capital ratio | 14.9083% | 4,431 |
| Memoranda: | ||
| Average total assets | $442,001,670 | 1,516 |
| Average earning assets | $384,882,670 | 1,598 |
| Average equity | $39,648,000 | 1,789 |
| Average total loans | $336,069,330 | 1,303 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5828% | 1,548 |
| Cost of funding earning assets | 0.1116% | 6,525 |
| Net interest margin | 4.4712% | 697 |
| Noninterest income to average assets | 10.5654% | 59 |
| Noninterest expense to average assets | 14.2146% | 49 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.1392% | 5,950 |
| Return on assets (ROA) | 0.1409% | 5,982 |
| Pretax return on assets | 0.2293% | 5,873 |
| Return on Equity (ROE) | 1.5585% | 5,908 |
| Retained earnings to average equity (ytd only) | -10.6652% | 6,384 |
| Net charge-offs to loans | 0.1929% | 1,578 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 1.5769% | 3,066 |
| Efficiency ratio | 98.4310% | 529 |
| Assets per employee ($millions) | 0.7272% | 6,686 |
| Cash dividends to net income (ytd only)* | 784.3137% | 23 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4564% | 3,346 |
| Loan loss allowance to noncurrent loans | 202.0761% | 2,068 |
| Noncurrent assets plus other real estate owned to assets | 2.9002% | 1,001 |
| Noncurrent loans to loans | 0.7207% | 4,066 |
| Net loans and leases to total assets | 73.6787% | 1,317 |
| Net loans and leases to deposits | 86.7506% | 1,500 |
| Net loans and leases to core deposits | 87.1868% | 2,179 |
| Total domestic deposits to total assets | 84.9316% | 3,908 |
| Equity capital to assets | 9.0445% | 5,067 |
| Core capital (leverage) ratio | 9.4881% | 4,300 |
| Tier 1 risk-based capital ratio | 13.7033% | 4,539 |
| Total risk-based capital ratio | 14.9587% | 4,492 |
| Memoranda: | ||
| Average total assets | $434,286,000 | 1,548 |
| Average earning assets | $376,455,000 | 1,628 |
| Average equity | $39,268,000 | 1,798 |
| Average total loans | $323,452,000 | 1,350 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4933% | 2,234 |
| Cost of funding earning assets | 0.1839% | 6,372 |
| Net interest margin | 4.3095% | 1,084 |
| Noninterest income to average assets | 13.7461% | 52 |
| Noninterest expense to average assets | 17.2388% | 43 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1840% | 5,866 |
| Return on assets (ROA) | 0.1851% | 5,932 |
| Pretax return on assets | 0.2805% | 5,780 |
| Return on Equity (ROE) | 2.0153% | 5,834 |
| Retained earnings to average equity (ytd only) | 2.0153% | 4,800 |
| Net charge-offs to loans | 0.1844% | 2,996 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 1.9983% | 4,380 |
| Efficiency ratio | 98.4083% | 532 |
| Assets per employee ($millions) | 0.9007% | 6,759 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4804% | 3,281 |
| Loan loss allowance to noncurrent loans | 104.6834% | 3,507 |
| Noncurrent assets plus other real estate owned to assets | 3.1509% | 978 |
| Noncurrent loans to loans | 1.4142% | 2,774 |
| Net loans and leases to total assets | 73.0989% | 1,507 |
| Net loans and leases to deposits | 89.4470% | 1,288 |
| Net loans and leases to core deposits | 89.9854% | 2,026 |
| Total domestic deposits to total assets | 81.7231% | 4,959 |
| Equity capital to assets | 9.0395% | 4,984 |
| Core capital (leverage) ratio | 9.7007% | 3,982 |
| Tier 1 risk-based capital ratio | 13.9102% | 4,354 |
| Total risk-based capital ratio | 15.1656% | 4,289 |
| Memoranda: | ||
| Average total assets | $430,006,800 | 1,539 |
| Average earning assets | $376,334,800 | 1,603 |
| Average equity | $39,498,000 | 1,770 |
| Average total loans | $325,413,600 | 1,312 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4910% | 2,270 |
| Cost of funding earning assets | 0.2062% | 6,377 |
| Net interest margin | 4.2847% | 1,130 |
| Noninterest income to average assets | 14.4312% | 52 |
| Noninterest expense to average assets | 18.0371% | 41 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.0974% | 6,146 |
| Return on assets (ROA) | 0.0988% | 6,199 |
| Pretax return on assets | 0.1537% | 6,124 |
| Return on Equity (ROE) | 1.0717% | 6,167 |
| Retained earnings to average equity (ytd only) | 1.0717% | 5,545 |
| Net charge-offs to loans | 0.1943% | 2,678 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 1.0253% | 4,502 |
| Efficiency ratio | 99.1669% | 491 |
| Assets per employee ($millions) | 0.8419% | 6,842 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7186% | 2,566 |
| Loan loss allowance to noncurrent loans | 171.5968% | 2,280 |
| Noncurrent assets plus other real estate owned to assets | 3.3338% | 1,050 |
| Noncurrent loans to loans | 1.0015% | 3,808 |
| Net loans and leases to total assets | 68.8200% | 2,173 |
| Net loans and leases to deposits | 78.1901% | 2,633 |
| Net loans and leases to core deposits | 78.6561% | 3,279 |
| Total domestic deposits to total assets | 88.0163% | 2,120 |
| Equity capital to assets | 9.5169% | 4,532 |
| Core capital (leverage) ratio | 9.5961% | 4,250 |
| Tier 1 risk-based capital ratio | 14.7914% | 3,879 |
| Total risk-based capital ratio | 16.0492% | 3,833 |
| Memoranda: | ||
| Average total assets | $427,626,500 | 1,555 |
| Average earning assets | $374,996,250 | 1,622 |
| Average equity | $39,439,750 | 1,782 |
| Average total loans | $325,237,500 | 1,310 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4603% | 2,347 |
| Cost of funding earning assets | 0.2314% | 6,296 |
| Net interest margin | 4.2290% | 1,201 |
| Noninterest income to average assets | 16.3429% | 47 |
| Noninterest expense to average assets | 19.1326% | 39 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5790% | 4,408 |
| Return on assets (ROA) | 0.5784% | 4,585 |
| Pretax return on assets | 0.9160% | 3,848 |
| Return on Equity (ROE) | 6.3349% | 3,977 |
| Retained earnings to average equity (ytd only) | 6.3349% | 2,242 |
| Net charge-offs to loans | 0.2068% | 2,521 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | 5.6877% | 2,846 |
| Efficiency ratio | 95.4265% | 688 |
| Assets per employee ($millions) | 0.6736% | 6,893 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6182% | 3,091 |
| Loan loss allowance to noncurrent loans | 186.8653% | 2,100 |
| Noncurrent assets plus other real estate owned to assets | 3.5292% | 1,083 |
| Noncurrent loans to loans | 0.8660% | 4,191 |
| Net loans and leases to total assets | 74.8977% | 1,121 |
| Net loans and leases to deposits | 84.4188% | 1,744 |
| Net loans and leases to core deposits | 84.8326% | 2,445 |
| Total domestic deposits to total assets | 88.7216% | 1,769 |
| Equity capital to assets | 9.7423% | 4,250 |
| Core capital (leverage) ratio | 9.7401% | 3,882 |
| Tier 1 risk-based capital ratio | 14.9827% | 3,790 |
| Total risk-based capital ratio | 16.2441% | 3,747 |
| Memoranda: | ||
| Average total assets | $432,946,000 | 1,540 |
| Average earning assets | $379,479,330 | 1,601 |
| Average equity | $39,527,000 | 1,781 |
| Average total loans | $337,562,000 | 1,258 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5660% | 1,931 |
| Cost of funding earning assets | 0.2733% | 6,144 |
| Net interest margin | 4.2927% | 983 |
| Noninterest income to average assets | 15.2381% | 52 |
| Noninterest expense to average assets | 18.0309% | 44 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.6181% | 4,129 |
| Return on assets (ROA) | 0.6181% | 4,287 |
| Pretax return on assets | 0.9773% | 3,450 |
| Return on Equity (ROE) | 6.9884% | 3,489 |
| Retained earnings to average equity (ytd only) | 6.9884% | 2,153 |
| Net charge-offs to loans | 0.2141% | 2,137 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | 5.7914% | 2,322 |
| Efficiency ratio | 94.8588% | 783 |
| Assets per employee ($millions) | 0.6878% | 6,971 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7059% | 2,984 |
| Loan loss allowance to noncurrent loans | 275.4073% | 1,422 |
| Noncurrent assets plus other real estate owned to assets | 3.5951% | 1,167 |
| Noncurrent loans to loans | 0.6194% | 4,900 |
| Net loans and leases to total assets | 72.0926% | 1,334 |
| Net loans and leases to deposits | 81.3669% | 1,915 |
| Net loans and leases to core deposits | 81.8151% | 2,595 |
| Total domestic deposits to total assets | 88.6018% | 1,933 |
| Equity capital to assets | 9.4839% | 4,872 |
| Core capital (leverage) ratio | 9.2166% | 4,542 |
| Tier 1 risk-based capital ratio | 14.8536% | 3,937 |
| Total risk-based capital ratio | 16.1103% | 3,895 |
| Memoranda: | ||
| Average total assets | $443,282,500 | 1,515 |
| Average earning assets | $389,309,000 | 1,570 |
| Average equity | $39,208,000 | 1,807 |
| Average total loans | $349,412,000 | 1,213 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6685% | 2,715 |
| Cost of funding earning assets | 0.3508% | 6,208 |
| Net interest margin | 4.3176% | 1,362 |
| Noninterest income to average assets | 18.6467% | 43 |
| Noninterest expense to average assets | 20.0012% | 37 |
| Loan and lease loss provision to assets | 0.5083% | 1,155 |
| Net operating income to assets | 1.2339% | 1,492 |
| Return on assets (ROA) | 1.0886% | 2,164 |
| Pretax return on assets | 1.7240% | 1,080 |
| Return on Equity (ROE) | 14.7373% | 862 |
| Retained earnings to average equity (ytd only) | 14.7373% | 167 |
| Net charge-offs to loans | 0.6686% | 1,762 |
| Credit loss provision to net charge-offs | 90.8397% | 3,444 |
| Earnings coverage of net charge-offs (x) | 4.3950% | 3,378 |
| Efficiency ratio | 89.0502% | 1,144 |
| Assets per employee ($millions) | 0.7376% | 7,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3862% | 4,234 |
| Loan loss allowance to noncurrent loans | 140.6947% | 2,503 |
| Noncurrent assets plus other real estate owned to assets | 3.9479% | 1,094 |
| Noncurrent loans to loans | 0.9852% | 4,223 |
| Net loans and leases to total assets | 82.5717% | 292 |
| Net loans and leases to deposits | 97.9356% | 511 |
| Net loans and leases to core deposits | 98.8716% | 1,085 |
| Total domestic deposits to total assets | 84.3123% | 4,178 |
| Equity capital to assets | 8.2726% | 6,221 |
| Core capital (leverage) ratio | 8.7640% | 5,239 |
| Tier 1 risk-based capital ratio | 12.5170% | 5,462 |
| Total risk-based capital ratio | 13.7735% | 5,415 |
| Memoranda: | ||
| Average total assets | $468,206,400 | 1,410 |
| Average earning assets | $413,583,400 | 1,457 |
| Average equity | $34,585,800 | 2,006 |
| Average total loans | $391,881,800 | 1,070 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7581% | 2,548 |
| Cost of funding earning assets | 0.3529% | 6,360 |
| Net interest margin | 4.4053% | 1,190 |
| Noninterest income to average assets | 18.2842% | 45 |
| Noninterest expense to average assets | 19.8050% | 36 |
| Loan and lease loss provision to assets | 0.6776% | 761 |
| Net operating income to assets | 1.0678% | 2,227 |
| Return on assets (ROA) | 1.0226% | 2,625 |
| Pretax return on assets | 1.6298% | 1,478 |
| Return on Equity (ROE) | 14.2705% | 1,050 |
| Retained earnings to average equity (ytd only) | 14.2705% | 282 |
| Net charge-offs to loans | 0.8838% | 1,237 |
| Credit loss provision to net charge-offs | 91.6089% | 3,243 |
| Earnings coverage of net charge-offs (x) | 3.2152% | 3,742 |
| Efficiency ratio | 89.2802% | 1,090 |
| Assets per employee ($millions) | 0.6876% | 7,133 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5054% | 3,930 |
| Loan loss allowance to noncurrent loans | 179.5125% | 1,940 |
| Noncurrent assets plus other real estate owned to assets | 4.5148% | 1,023 |
| Noncurrent loans to loans | 0.8386% | 4,740 |
| Net loans and leases to total assets | 80.7780% | 449 |
| Net loans and leases to deposits | 92.7594% | 896 |
| Net loans and leases to core deposits | 94.3374% | 1,555 |
| Total domestic deposits to total assets | 87.0833% | 2,612 |
| Equity capital to assets | 8.2728% | 6,442 |
| Core capital (leverage) ratio | 8.4161% | 5,879 |
| Tier 1 risk-based capital ratio | 11.6648% | 6,138 |
| Total risk-based capital ratio | 12.9214% | 6,112 |
| Memoranda: | ||
| Average total assets | $468,341,500 | 1,428 |
| Average earning assets | $414,494,750 | 1,471 |
| Average equity | $33,560,250 | 2,070 |
| Average total loans | $391,955,250 | 1,078 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6847% | 2,982 |
| Cost of funding earning assets | 0.3484% | 6,516 |
| Net interest margin | 4.3364% | 1,378 |
| Noninterest income to average assets | 17.0858% | 47 |
| Noninterest expense to average assets | 19.1222% | 42 |
| Loan and lease loss provision to assets | 0.8087% | 613 |
| Net operating income to assets | 0.6382% | 4,180 |
| Return on assets (ROA) | 0.6046% | 4,603 |
| Pretax return on assets | 0.9671% | 3,831 |
| Return on Equity (ROE) | 8.8598% | 2,874 |
| Retained earnings to average equity (ytd only) | 8.8598% | 1,323 |
| Net charge-offs to loans | 0.9917% | 1,119 |
| Credit loss provision to net charge-offs | 96.8389% | 2,860 |
| Earnings coverage of net charge-offs (x) | 2.1892% | 3,890 |
| Efficiency ratio | 91.2738% | 975 |
| Assets per employee ($millions) | 0.7343% | 7,195 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4282% | 4,353 |
| Loan loss allowance to noncurrent loans | 51.9607% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 5.1810% | 900 |
| Noncurrent loans to loans | 2.7487% | 2,186 |
| Net loans and leases to total assets | 83.4838% | 238 |
| Net loans and leases to deposits | 101.6502% | 356 |
| Net loans and leases to core deposits | 103.3972% | 896 |
| Total domestic deposits to total assets | 82.1285% | 5,086 |
| Equity capital to assets | 7.2547% | 6,857 |
| Core capital (leverage) ratio | 7.7074% | 6,513 |
| Tier 1 risk-based capital ratio | 10.9619% | 6,521 |
| Total risk-based capital ratio | 12.2227% | 6,492 |
| Memoranda: | ||
| Average total assets | $477,310,000 | 1,403 |
| Average earning assets | $425,380,670 | 1,437 |
| Average equity | $32,574,000 | 2,114 |
| Average total loans | $401,929,330 | 1,048 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8789% | 2,325 |
| Cost of funding earning assets | 0.3681% | 6,559 |
| Net interest margin | 4.5108% | 990 |
| Noninterest income to average assets | 16.0535% | 47 |
| Noninterest expense to average assets | 18.4860% | 38 |
| Loan and lease loss provision to assets | 1.1811% | 328 |
| Net operating income to assets | 0.2455% | 5,841 |
| Return on assets (ROA) | 0.1916% | 6,156 |
| Pretax return on assets | 0.3205% | 5,927 |
| Return on Equity (ROE) | 2.8952% | 5,755 |
| Retained earnings to average equity (ytd only) | 2.8952% | 4,806 |
| Net charge-offs to loans | 0.7170% | 1,402 |
| Credit loss provision to net charge-offs | 196.1591% | 1,360 |
| Earnings coverage of net charge-offs (x) | 2.6337% | 3,125 |
| Efficiency ratio | 92.0991% | 941 |
| Assets per employee ($millions) | 0.7931% | 7,256 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6766% | 3,439 |
| Loan loss allowance to noncurrent loans | 77.0506% | 3,778 |
| Noncurrent assets plus other real estate owned to assets | 4.3493% | 1,240 |
| Noncurrent loans to loans | 2.1759% | 2,938 |
| Net loans and leases to total assets | 82.1927% | 272 |
| Net loans and leases to deposits | 96.1402% | 528 |
| Net loans and leases to core deposits | 97.7565% | 1,143 |
| Total domestic deposits to total assets | 85.4925% | 3,796 |
| Equity capital to assets | 7.1210% | 6,905 |
| Core capital (leverage) ratio | 6.7712% | 6,914 |
| Tier 1 risk-based capital ratio | 10.9841% | 6,544 |
| Total risk-based capital ratio | 12.2476% | 6,526 |
| Memoranda: | ||
| Average total assets | $484,280,000 | 1,396 |
| Average earning assets | $431,409,000 | 1,419 |
| Average equity | $32,053,000 | 2,150 |
| Average total loans | $406,672,000 | 1,034 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8020% | 3,801 |
| Cost of funding earning assets | 0.4904% | 6,575 |
| Net interest margin | 4.3116% | 1,663 |
| Noninterest income to average assets | 13.0038% | 49 |
| Noninterest expense to average assets | 15.7110% | 42 |
| Loan and lease loss provision to assets | 0.5037% | 2,087 |
| Net operating income to assets | 0.3714% | 4,987 |
| Return on assets (ROA) | 0.3391% | 5,266 |
| Pretax return on assets | 0.5452% | 4,854 |
| Return on Equity (ROE) | 4.6930% | 4,529 |
| Retained earnings to average equity (ytd only) | 4.6930% | 2,858 |
| Net charge-offs to loans | 1.0685% | 1,614 |
| Credit loss provision to net charge-offs | 60.9107% | 5,148 |
| Earnings coverage of net charge-offs (x) | 1.3293% | 4,779 |
| Efficiency ratio | 93.4602% | 959 |
| Assets per employee ($millions) | 0.8849% | 7,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3076% | 4,869 |
| Loan loss allowance to noncurrent loans | 63.1743% | 4,343 |
| Noncurrent assets plus other real estate owned to assets | 4.4015% | 1,256 |
| Noncurrent loans to loans | 2.0699% | 3,112 |
| Net loans and leases to total assets | 83.2083% | 260 |
| Net loans and leases to deposits | 116.0144% | 106 |
| Net loans and leases to core deposits | 118.2355% | 393 |
| Total domestic deposits to total assets | 71.7224% | 6,888 |
| Equity capital to assets | 6.1747% | 7,080 |
| Core capital (leverage) ratio | 6.7591% | 6,930 |
| Tier 1 risk-based capital ratio | 10.0768% | 6,836 |
| Total risk-based capital ratio | 11.3335% | 6,821 |
| Memoranda: | ||
| Average total assets | $422,246,200 | 1,543 |
| Average earning assets | $372,784,800 | 1,595 |
| Average equity | $30,513,400 | 2,158 |
| Average total loans | $326,798,400 | 1,301 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8825% | 3,631 |
| Cost of funding earning assets | 0.5302% | 6,574 |
| Net interest margin | 4.3522% | 1,557 |
| Noninterest income to average assets | 11.9676% | 55 |
| Noninterest expense to average assets | 14.7897% | 45 |
| Loan and lease loss provision to assets | 0.4515% | 2,208 |
| Net operating income to assets | 0.3073% | 5,371 |
| Return on assets (ROA) | 0.2748% | 5,649 |
| Pretax return on assets | 0.4992% | 5,162 |
| Return on Equity (ROE) | 3.6328% | 5,161 |
| Retained earnings to average equity (ytd only) | 3.6328% | 4,166 |
| Net charge-offs to loans | 1.0933% | 1,454 |
| Credit loss provision to net charge-offs | 54.9370% | 4,928 |
| Earnings coverage of net charge-offs (x) | 1.2186% | 4,709 |
| Efficiency ratio | 93.6581% | 937 |
| Assets per employee ($millions) | 0.8943% | 7,382 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6092% | 3,618 |
| Loan loss allowance to noncurrent loans | 35.2119% | 5,947 |
| Noncurrent assets plus other real estate owned to assets | 6.6056% | 770 |
| Noncurrent loans to loans | 4.5701% | 1,412 |
| Net loans and leases to total assets | 80.3440% | 486 |
| Net loans and leases to deposits | 101.6297% | 407 |
| Net loans and leases to core deposits | 103.5689% | 1,004 |
| Total domestic deposits to total assets | 79.0557% | 5,973 |
| Equity capital to assets | 6.7012% | 7,104 |
| Core capital (leverage) ratio | 7.8247% | 6,543 |
| Tier 1 risk-based capital ratio | 10.3445% | 6,840 |
| Total risk-based capital ratio | 11.6037% | 6,824 |
| Memoranda: | ||
| Average total assets | $399,278,250 | 1,632 |
| Average earning assets | $350,770,000 | 1,696 |
| Average equity | $30,205,500 | 2,185 |
| Average total loans | $300,133,750 | 1,426 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9622% | 3,342 |
| Cost of funding earning assets | 0.5730% | 6,572 |
| Net interest margin | 4.3892% | 1,400 |
| Noninterest income to average assets | 10.6227% | 62 |
| Noninterest expense to average assets | 13.9918% | 52 |
| Loan and lease loss provision to assets | 0.1047% | 5,000 |
| Net operating income to assets | 0.2275% | 5,638 |
| Return on assets (ROA) | 0.1612% | 5,950 |
| Pretax return on assets | 0.2486% | 5,811 |
| Return on Equity (ROE) | 2.0394% | 5,774 |
| Retained earnings to average equity (ytd only) | 2.0394% | 4,959 |
| Net charge-offs to loans | 1.1546% | 1,350 |
| Credit loss provision to net charge-offs | 12.4844% | 5,221 |
| Earnings coverage of net charge-offs (x) | 0.5431% | 4,897 |
| Efficiency ratio | 96.8482% | 841 |
| Assets per employee ($millions) | 0.8190% | 7,460 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9598% | 2,480 |
| Loan loss allowance to noncurrent loans | 58.8647% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 6.4755% | 825 |
| Noncurrent loans to loans | 3.3294% | 2,146 |
| Net loans and leases to total assets | 72.2547% | 1,740 |
| Net loans and leases to deposits | 80.0068% | 2,796 |
| Net loans and leases to core deposits | 81.5501% | 3,570 |
| Total domestic deposits to total assets | 90.3107% | 808 |
| Equity capital to assets | 7.8678% | 6,761 |
| Core capital (leverage) ratio | 7.9091% | 6,400 |
| Tier 1 risk-based capital ratio | 11.7040% | 6,008 |
| Total risk-based capital ratio | 12.9655% | 6,005 |
| Memoranda: | ||
| Average total assets | $382,125,000 | 1,713 |
| Average earning assets | $332,956,000 | 1,793 |
| Average equity | $30,205,670 | 2,176 |
| Average total loans | $277,490,330 | 1,564 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8470% | 3,836 |
| Cost of funding earning assets | 0.5983% | 6,619 |
| Net interest margin | 4.2487% | 1,749 |
| Noninterest income to average assets | 7.6106% | 91 |
| Noninterest expense to average assets | 11.9018% | 66 |
| Loan and lease loss provision to assets | 0.2115% | 3,530 |
| Net operating income to assets | -0.4886% | 6,801 |
| Return on assets (ROA) | -0.5657% | 6,849 |
| Pretax return on assets | -0.9211% | 6,968 |
| Return on Equity (ROE) | -7.1400% | 6,923 |
| Retained earnings to average equity (ytd only) | -7.1400% | 6,689 |
| Net charge-offs to loans | 1.6993% | 775 |
| Credit loss provision to net charge-offs | 17.2712% | 4,289 |
| Earnings coverage of net charge-offs (x) | -0.4810% | 4,786 |
| Efficiency ratio | 105.2066% | 594 |
| Assets per employee ($millions) | 0.9501% | 7,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3105% | 1,745 |
| Loan loss allowance to noncurrent loans | 55.0721% | 4,703 |
| Noncurrent assets plus other real estate owned to assets | 7.1439% | 735 |
| Noncurrent loans to loans | 4.1955% | 1,707 |
| Net loans and leases to total assets | 67.0832% | 2,736 |
| Net loans and leases to deposits | 74.0392% | 3,756 |
| Net loans and leases to core deposits | 75.4319% | 4,367 |
| Total domestic deposits to total assets | 90.6050% | 796 |
| Equity capital to assets | 7.7830% | 6,687 |
| Core capital (leverage) ratio | 7.7190% | 6,541 |
| Tier 1 risk-based capital ratio | 11.5192% | 6,089 |
| Total risk-based capital ratio | 12.7819% | 6,059 |
| Memoranda: | ||
| Average total assets | $378,261,000 | 1,740 |
| Average earning assets | $329,607,500 | 1,819 |
| Average equity | $29,972,000 | 2,175 |
| Average total loans | $272,576,500 | 1,610 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7875% | 1,302 |
| Cost of funding earning assets | 0.7102% | 6,853 |
| Net interest margin | 5.0773% | 371 |
| Noninterest income to average assets | 6.0555% | 109 |
| Noninterest expense to average assets | 9.1070% | 95 |
| Loan and lease loss provision to assets | 0.5010% | 3,148 |
| Net operating income to assets | 0.5631% | 3,836 |
| Return on assets (ROA) | 0.5220% | 4,148 |
| Pretax return on assets | 0.7911% | 3,668 |
| Return on Equity (ROE) | 6.5062% | 3,346 |
| Retained earnings to average equity (ytd only) | 6.5062% | 1,553 |
| Net charge-offs to loans | 0.8353% | 2,544 |
| Credit loss provision to net charge-offs | 75.3801% | 5,721 |
| Earnings coverage of net charge-offs (x) | 2.0380% | 4,204 |
| Efficiency ratio | 87.0533% | 1,566 |
| Assets per employee ($millions) | 1.1824% | 7,579 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4920% | 1,419 |
| Loan loss allowance to noncurrent loans | 68.6682% | 3,971 |
| Noncurrent assets plus other real estate owned to assets | 7.0729% | 765 |
| Noncurrent loans to loans | 3.6290% | 2,061 |
| Net loans and leases to total assets | 73.6526% | 1,736 |
| Net loans and leases to deposits | 81.7703% | 2,858 |
| Net loans and leases to core deposits | 83.4346% | 3,679 |
| Total domestic deposits to total assets | 90.0725% | 1,055 |
| Equity capital to assets | 8.0677% | 6,421 |
| Core capital (leverage) ratio | 8.2012% | 5,820 |
| Tier 1 risk-based capital ratio | 11.6355% | 5,787 |
| Total risk-based capital ratio | 12.9044% | 5,776 |
| Memoranda: | ||
| Average total assets | $356,321,000 | 1,835 |
| Average earning assets | $309,200,600 | 1,922 |
| Average equity | $28,588,000 | 2,270 |
| Average total loans | $283,481,200 | 1,578 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8217% | 1,336 |
| Cost of funding earning assets | 0.7152% | 7,027 |
| Net interest margin | 5.1066% | 349 |
| Noninterest income to average assets | 4.3689% | 159 |
| Noninterest expense to average assets | 7.6379% | 123 |
| Loan and lease loss provision to assets | 0.2973% | 4,199 |
| Net operating income to assets | 0.5569% | 4,067 |
| Return on assets (ROA) | 0.5186% | 4,411 |
| Pretax return on assets | 0.8042% | 3,889 |
| Return on Equity (ROE) | 6.4729% | 3,589 |
| Retained earnings to average equity (ytd only) | 6.4729% | 2,104 |
| Net charge-offs to loans | 0.5252% | 3,196 |
| Credit loss provision to net charge-offs | 70.2147% | 5,413 |
| Earnings coverage of net charge-offs (x) | 2.7424% | 3,777 |
| Efficiency ratio | 86.8015% | 1,551 |
| Assets per employee ($millions) | 1.1282% | 7,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4323% | 1,428 |
| Loan loss allowance to noncurrent loans | 71.2344% | 3,751 |
| Noncurrent assets plus other real estate owned to assets | 7.2993% | 731 |
| Noncurrent loans to loans | 3.4145% | 2,327 |
| Net loans and leases to total assets | 79.9234% | 764 |
| Net loans and leases to deposits | 90.1367% | 1,708 |
| Net loans and leases to core deposits | 91.9525% | 2,807 |
| Total domestic deposits to total assets | 88.6691% | 1,582 |
| Equity capital to assets | 8.1025% | 6,709 |
| Core capital (leverage) ratio | 7.9036% | 6,463 |
| Tier 1 risk-based capital ratio | 10.5232% | 6,759 |
| Total risk-based capital ratio | 11.7917% | 6,730 |
| Memoranda: | ||
| Average total assets | $351,991,750 | 1,886 |
| Average earning assets | $305,376,000 | 1,976 |
| Average equity | $28,199,000 | 2,332 |
| Average total loans | $283,794,750 | 1,595 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8040% | 1,418 |
| Cost of funding earning assets | 0.7166% | 7,158 |
| Net interest margin | 5.0875% | 350 |
| Noninterest income to average assets | 3.8483% | 171 |
| Noninterest expense to average assets | 7.3944% | 137 |
| Loan and lease loss provision to assets | 0.4518% | 3,062 |
| Net operating income to assets | 0.2666% | 5,306 |
| Return on assets (ROA) | 0.2279% | 5,603 |
| Pretax return on assets | 0.3592% | 5,345 |
| Return on Equity (ROE) | 2.8565% | 5,304 |
| Retained earnings to average equity (ytd only) | 2.8565% | 4,326 |
| Net charge-offs to loans | 0.6418% | 2,616 |
| Credit loss provision to net charge-offs | 87.8076% | 4,485 |
| Earnings coverage of net charge-offs (x) | 1.6935% | 4,243 |
| Efficiency ratio | 89.4576% | 1,378 |
| Assets per employee ($millions) | 1.5385% | 7,713 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5584% | 1,228 |
| Loan loss allowance to noncurrent loans | 72.0830% | 3,750 |
| Noncurrent assets plus other real estate owned to assets | 6.2486% | 920 |
| Noncurrent loans to loans | 3.5492% | 2,227 |
| Net loans and leases to total assets | 79.7528% | 836 |
| Net loans and leases to deposits | 89.8670% | 1,876 |
| Net loans and leases to core deposits | 90.6849% | 3,165 |
| Total domestic deposits to total assets | 88.7453% | 1,574 |
| Equity capital to assets | 7.9375% | 6,823 |
| Core capital (leverage) ratio | 7.9582% | 6,316 |
| Tier 1 risk-based capital ratio | 10.3023% | 6,836 |
| Total risk-based capital ratio | 11.5717% | 6,802 |
| Memoranda: | ||
| Average total assets | $347,479,000 | 1,926 |
| Average earning assets | $301,722,330 | 2,015 |
| Average equity | $27,726,330 | 2,355 |
| Average total loans | $278,584,000 | 1,643 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8924% | 1,216 |
| Cost of funding earning assets | 0.7283% | 7,276 |
| Net interest margin | 5.1641% | 315 |
| Noninterest income to average assets | 3.4165% | 186 |
| Noninterest expense to average assets | 7.1629% | 146 |
| Loan and lease loss provision to assets | 0.5965% | 2,126 |
| Net operating income to assets | 0.1357% | 5,903 |
| Return on assets (ROA) | 0.0620% | 6,233 |
| Pretax return on assets | 0.0620% | 6,224 |
| Return on Equity (ROE) | 0.7748% | 6,187 |
| Retained earnings to average equity (ytd only) | 0.7748% | 5,515 |
| Net charge-offs to loans | 0.6490% | 2,202 |
| Credit loss provision to net charge-offs | 115.9091% | 3,007 |
| Earnings coverage of net charge-offs (x) | 1.4227% | 3,892 |
| Efficiency ratio | 90.7259% | 1,375 |
| Assets per employee ($millions) | 1.5773% | 7,808 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9018% | 901 |
| Loan loss allowance to noncurrent loans | 67.5752% | 3,980 |
| Noncurrent assets plus other real estate owned to assets | 7.0552% | 760 |
| Noncurrent loans to loans | 4.2942% | 1,773 |
| Net loans and leases to total assets | 75.4855% | 1,651 |
| Net loans and leases to deposits | 83.5401% | 3,019 |
| Net loans and leases to core deposits | 85.9858% | 3,898 |
| Total domestic deposits to total assets | 90.3584% | 797 |
| Equity capital to assets | 8.0408% | 6,611 |
| Core capital (leverage) ratio | 7.8573% | 6,426 |
| Tier 1 risk-based capital ratio | 10.2100% | 6,877 |
| Total risk-based capital ratio | 11.4810% | 6,855 |
| Memoranda: | ||
| Average total assets | $341,986,500 | 2,005 |
| Average earning assets | $296,587,500 | 2,102 |
| Average equity | $27,363,000 | 2,415 |
| Average total loans | $271,180,500 | 1,732 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0965% | 1,523 |
| Cost of funding earning assets | 0.7778% | 7,587 |
| Net interest margin | 5.3187% | 235 |
| Noninterest income to average assets | 3.7015% | 184 |
| Noninterest expense to average assets | 7.6213% | 166 |
| Loan and lease loss provision to assets | 2.2489% | 921 |
| Net operating income to assets | -0.6478% | 6,310 |
| Return on assets (ROA) | -0.6478% | 6,313 |
| Pretax return on assets | -1.4509% | 6,670 |
| Return on Equity (ROE) | -8.9910% | 6,538 |
| Retained earnings to average equity (ytd only) | -8.9910% | 6,426 |
| Net charge-offs to loans | 1.6731% | 1,510 |
| Credit loss provision to net charge-offs | 160.7728% | 2,771 |
| Earnings coverage of net charge-offs (x) | 0.5705% | 5,537 |
| Efficiency ratio | 90.5213% | 1,668 |
| Assets per employee ($millions) | 1.6116% | 7,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7446% | 977 |
| Loan loss allowance to noncurrent loans | 58.4228% | 4,491 |
| Noncurrent assets plus other real estate owned to assets | 6.9394% | 730 |
| Noncurrent loans to loans | 4.6977% | 1,494 |
| Net loans and leases to total assets | 78.6196% | 1,260 |
| Net loans and leases to deposits | 86.8697% | 2,761 |
| Net loans and leases to core deposits | 92.0206% | 4,884 |
| Total domestic deposits to total assets | 90.5029% | 742 |
| Equity capital to assets | 7.9619% | 6,621 |
| Core capital (leverage) ratio | 7.8504% | 6,387 |
| Tier 1 risk-based capital ratio | 9.7591% | 7,056 |
| Total risk-based capital ratio | 11.0285% | 7,026 |
| Memoranda: | ||
| Average total assets | $353,366,400 | 1,922 |
| Average earning assets | $313,440,400 | 1,988 |
| Average equity | $25,458,800 | 2,567 |
| Average total loans | $295,435,000 | 1,625 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2289% | 1,298 |
| Cost of funding earning assets | 0.7914% | 7,706 |
| Net interest margin | 5.4374% | 197 |
| Noninterest income to average assets | 3.6572% | 177 |
| Noninterest expense to average assets | 7.5752% | 168 |
| Loan and lease loss provision to assets | 2.6670% | 596 |
| Net operating income to assets | -0.7305% | 6,628 |
| Return on assets (ROA) | -0.7305% | 6,645 |
| Pretax return on assets | -1.7357% | 7,064 |
| Return on Equity (ROE) | -10.4036% | 6,922 |
| Retained earnings to average equity (ytd only) | -10.4036% | 6,842 |
| Net charge-offs to loans | 1.8640% | 1,080 |
| Credit loss provision to net charge-offs | 169.7830% | 2,746 |
| Earnings coverage of net charge-offs (x) | 0.5929% | 5,442 |
| Efficiency ratio | 89.0514% | 1,777 |
| Assets per employee ($millions) | 1.5860% | 7,969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7287% | 857 |
| Loan loss allowance to noncurrent loans | 63.9355% | 4,135 |
| Noncurrent assets plus other real estate owned to assets | 6.9959% | 691 |
| Noncurrent loans to loans | 4.2679% | 1,687 |
| Net loans and leases to total assets | 79.5441% | 1,273 |
| Net loans and leases to deposits | 87.8467% | 2,992 |
| Net loans and leases to core deposits | 93.4510% | 5,076 |
| Total domestic deposits to total assets | 90.5488% | 568 |
| Equity capital to assets | 7.9071% | 6,940 |
| Core capital (leverage) ratio | 8.0864% | 6,207 |
| Tier 1 risk-based capital ratio | 9.7627% | 7,174 |
| Total risk-based capital ratio | 11.0313% | 7,119 |
| Memoranda: | ||
| Average total assets | $355,890,000 | 1,924 |
| Average earning assets | $317,396,500 | 1,983 |
| Average equity | $24,990,750 | 2,642 |
| Average total loans | $299,920,000 | 1,618 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3923% | 1,024 |
| Cost of funding earning assets | 0.8081% | 7,811 |
| Net interest margin | 5.5842% | 166 |
| Noninterest income to average assets | 3.6710% | 175 |
| Noninterest expense to average assets | 7.4553% | 189 |
| Loan and lease loss provision to assets | 3.8782% | 334 |
| Net operating income to assets | -2.6520% | 7,599 |
| Return on assets (ROA) | -2.6520% | 7,589 |
| Pretax return on assets | -2.6409% | 7,456 |
| Return on Equity (ROE) | -39.3081% | 7,842 |
| Retained earnings to average equity (ytd only) | -39.3081% | 7,827 |
| Net charge-offs to loans | 2.2936% | 776 |
| Credit loss provision to net charge-offs | 198.8102% | 2,303 |
| Earnings coverage of net charge-offs (x) | 0.6343% | 5,069 |
| Efficiency ratio | 85.7661% | 2,250 |
| Assets per employee ($millions) | 1.5727% | 8,057 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7244% | 730 |
| Loan loss allowance to noncurrent loans | 49.3993% | 5,061 |
| Noncurrent assets plus other real estate owned to assets | 6.8237% | 644 |
| Noncurrent loans to loans | 5.5152% | 1,053 |
| Net loans and leases to total assets | 83.2090% | 754 |
| Net loans and leases to deposits | 92.2084% | 2,429 |
| Net loans and leases to core deposits | 100.8998% | 4,413 |
| Total domestic deposits to total assets | 90.2402% | 737 |
| Equity capital to assets | 6.2595% | 7,877 |
| Core capital (leverage) ratio | 6.8564% | 7,631 |
| Tier 1 risk-based capital ratio | 8.8046% | 7,784 |
| Total risk-based capital ratio | 10.0739% | 7,817 |
| Memoranda: | ||
| Average total assets | $361,916,670 | 1,913 |
| Average earning assets | $325,453,000 | 1,947 |
| Average equity | $24,417,330 | 2,706 |
| Average total loans | $307,811,330 | 1,607 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2614% | 1,407 |
| Cost of funding earning assets | 0.8312% | 7,881 |
| Net interest margin | 5.4302% | 193 |
| Noninterest income to average assets | 2.7863% | 223 |
| Noninterest expense to average assets | 6.0581% | 285 |
| Loan and lease loss provision to assets | 0.5798% | 2,173 |
| Net operating income to assets | 1.0111% | 2,265 |
| Return on assets (ROA) | 1.0111% | 2,404 |
| Pretax return on assets | 1.0480% | 3,178 |
| Return on Equity (ROE) | 14.4943% | 1,071 |
| Retained earnings to average equity (ytd only) | 14.4943% | 470 |
| Net charge-offs to loans | 0.6005% | 1,976 |
| Credit loss provision to net charge-offs | 113.8298% | 3,412 |
| Earnings coverage of net charge-offs (x) | 3.1957% | 3,253 |
| Efficiency ratio | 78.8212% | 3,031 |
| Assets per employee ($millions) | 1.7288% | 8,050 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4780% | 3,097 |
| Loan loss allowance to noncurrent loans | 36.5505% | 6,117 |
| Noncurrent assets plus other real estate owned to assets | 5.5772% | 752 |
| Noncurrent loans to loans | 4.0438% | 1,484 |
| Net loans and leases to total assets | 84.2694% | 647 |
| Net loans and leases to deposits | 98.3566% | 1,616 |
| Net loans and leases to core deposits | 105.1737% | 4,008 |
| Total domestic deposits to total assets | 85.6774% | 2,881 |
| Equity capital to assets | 7.0466% | 7,658 |
| Core capital (leverage) ratio | 8.5547% | 5,423 |
| Tier 1 risk-based capital ratio | 10.2990% | 6,590 |
| Total risk-based capital ratio | 11.5528% | 6,520 |
| Memoranda: | ||
| Average total assets | $369,091,000 | 1,890 |
| Average earning assets | $333,026,000 | 1,899 |
| Average equity | $25,748,000 | 2,589 |
| Average total loans | $313,063,000 | 1,598 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.1145% | 891 |
| Cost of funding earning assets | 1.3734% | 7,773 |
| Net interest margin | 5.7411% | 142 |
| Noninterest income to average assets | 2.5300% | 249 |
| Noninterest expense to average assets | 6.0650% | 393 |
| Loan and lease loss provision to assets | 0.5854% | 2,480 |
| Net operating income to assets | 1.0813% | 2,220 |
| Return on assets (ROA) | 1.0874% | 2,111 |
| Pretax return on assets | 1.1092% | 2,995 |
| Return on Equity (ROE) | 14.9428% | 932 |
| Retained earnings to average equity (ytd only) | 8.7344% | 648 |
| Net charge-offs to loans | 0.3150% | 3,283 |
| Credit loss provision to net charge-offs | 219.8303% | 2,183 |
| Earnings coverage of net charge-offs (x) | 6.3404% | 3,379 |
| Efficiency ratio | 78.2249% | 2,882 |
| Assets per employee ($millions) | 1.8411% | 8,018 |
| Cash dividends to net income (ytd only)* | 41.5476% | 3,585 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4892% | 2,748 |
| Loan loss allowance to noncurrent loans | 42.1919% | 5,913 |
| Noncurrent assets plus other real estate owned to assets | 3.3561% | 1,343 |
| Noncurrent loans to loans | 3.5296% | 1,433 |
| Net loans and leases to total assets | 82.8506% | 1,069 |
| Net loans and leases to deposits | 98.0328% | 2,123 |
| Net loans and leases to core deposits | 107.7047% | 3,998 |
| Total domestic deposits to total assets | 84.5132% | 3,071 |
| Equity capital to assets | 6.9052% | 7,774 |
| Core capital (leverage) ratio | 7.9854% | 6,522 |
| Tier 1 risk-based capital ratio | 9.3520% | 7,458 |
| Total risk-based capital ratio | 10.6058% | 7,386 |
| Memoranda: | ||
| Average total assets | $354,144,000 | 1,889 |
| Average earning assets | $322,202,600 | 1,889 |
| Average equity | $25,771,600 | 2,577 |
| Average total loans | $299,336,400 | 1,613 |