Home > Peoples National Bank > Performance and Condition Ratios
Peoples National 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 | 4.3618% | 2,140 |
| Cost of funding earning assets | 0.2518% | 4,544 |
| Net interest margin | 4.1101% | 1,405 |
| Noninterest income to average assets | 9.4890% | 61 |
| Noninterest expense to average assets | 10.1383% | 68 |
| Loan and lease loss provision to assets | 0.1711% | 1,281 |
| Net operating income to assets | 1.8840% | 352 |
| Return on assets (ROA) | 1.8847% | 361 |
| Pretax return on assets | 3.0548% | 94 |
| Return on Equity (ROE) | 18.3530% | 281 |
| Retained earnings to average equity (ytd only) | 5.4422% | 1,849 |
| Net charge-offs to loans | -0.0112% | 4,812 |
| Credit loss provision to net charge-offs | -2,014.7059% | 5,159 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.8670% | 1,637 |
| Assets per employee ($millions) | 1.4610% | 5,604 |
| Cash dividends to net income (ytd only)* | 70.3473% | 1,249 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0293% | 3,750 |
| Loan loss allowance to noncurrent loans | 250.6483% | 1,926 |
| Noncurrent assets plus other real estate owned to assets | 0.3140% | 3,621 |
| Noncurrent loans to loans | 0.4107% | 3,297 |
| Net loans and leases to total assets | 75.6747% | 1,657 |
| Net loans and leases to deposits | 95.7909% | 1,105 |
| Net loans and leases to core deposits | 98.4397% | 1,833 |
| Total domestic deposits to total assets | 78.9999% | 4,547 |
| Equity capital to assets | 10.6022% | 3,050 |
| Core capital (leverage) ratio | 10.3412% | 3,025 |
| Tier 1 risk-based capital ratio | 14.3280% | 3,186 |
| Total risk-based capital ratio | 15.4492% | 3,153 |
| Memoranda: | ||
| Average total assets | $400,284,800 | 1,701 |
| Average earning assets | $377,318,000 | 1,681 |
| Average equity | $41,105,000 | 1,812 |
| Average total loans | $302,405,800 | 1,557 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2295% | 2,521 |
| Cost of funding earning assets | 0.2380% | 4,670 |
| Net interest margin | 3.9915% | 1,724 |
| Noninterest income to average assets | 9.5342% | 65 |
| Noninterest expense to average assets | 10.2030% | 71 |
| Loan and lease loss provision to assets | 0.1824% | 1,085 |
| Net operating income to assets | 1.8152% | 456 |
| Return on assets (ROA) | 1.8161% | 464 |
| Pretax return on assets | 2.9093% | 125 |
| Return on Equity (ROE) | 17.8264% | 345 |
| Retained earnings to average equity (ytd only) | 10.8189% | 439 |
| Net charge-offs to loans | -0.0110% | 4,659 |
| Credit loss provision to net charge-offs | -2,200.0000% | 5,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.7529% | 1,492 |
| Assets per employee ($millions) | 1.4383% | 5,671 |
| Cash dividends to net income (ytd only)* | 39.3098% | 2,320 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9602% | 4,279 |
| Loan loss allowance to noncurrent loans | 266.6365% | 1,750 |
| Noncurrent assets plus other real estate owned to assets | 0.2717% | 3,984 |
| Noncurrent loans to loans | 0.3601% | 3,661 |
| Net loans and leases to total assets | 74.7333% | 1,799 |
| Net loans and leases to deposits | 97.5947% | 957 |
| Net loans and leases to core deposits | 100.0474% | 1,704 |
| Total domestic deposits to total assets | 76.5752% | 4,949 |
| Equity capital to assets | 10.5964% | 3,265 |
| Core capital (leverage) ratio | 10.6436% | 2,832 |
| Tier 1 risk-based capital ratio | 14.9183% | 2,955 |
| Total risk-based capital ratio | 15.9957% | 2,972 |
| Memoranda: | ||
| Average total assets | $402,105,250 | 1,708 |
| Average earning assets | $378,698,250 | 1,686 |
| Average equity | $40,964,500 | 1,833 |
| Average total loans | $302,883,000 | 1,564 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0736% | 2,923 |
| Cost of funding earning assets | 0.2135% | 4,856 |
| Net interest margin | 3.8601% | 2,062 |
| Noninterest income to average assets | 9.3442% | 65 |
| Noninterest expense to average assets | 10.1418% | 71 |
| Loan and lease loss provision to assets | 0.2247% | 778 |
| Net operating income to assets | 1.6277% | 656 |
| Return on assets (ROA) | 1.6286% | 676 |
| Pretax return on assets | 2.6090% | 181 |
| Return on Equity (ROE) | 16.2068% | 502 |
| Retained earnings to average equity (ytd only) | 8.0313% | 1,150 |
| Net charge-offs to loans | -0.0100% | 4,534 |
| Credit loss provision to net charge-offs | -3,000.0000% | 5,005 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.1700% | 1,440 |
| Assets per employee ($millions) | 1.4793% | 5,722 |
| Cash dividends to net income (ytd only)* | 50.4446% | 1,847 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9174% | 4,568 |
| Loan loss allowance to noncurrent loans | 266.3227% | 1,749 |
| Noncurrent assets plus other real estate owned to assets | 0.2601% | 4,085 |
| Noncurrent loans to loans | 0.3445% | 3,806 |
| Net loans and leases to total assets | 74.8295% | 1,725 |
| Net loans and leases to deposits | 102.4757% | 578 |
| Net loans and leases to core deposits | 105.2513% | 1,282 |
| Total domestic deposits to total assets | 73.0217% | 5,385 |
| Equity capital to assets | 10.1279% | 3,764 |
| Core capital (leverage) ratio | 10.6510% | 2,759 |
| Tier 1 risk-based capital ratio | 14.7201% | 3,055 |
| Total risk-based capital ratio | 15.7879% | 3,068 |
| Memoranda: | ||
| Average total assets | $400,462,330 | 1,721 |
| Average earning assets | $376,572,670 | 1,697 |
| Average equity | $40,242,330 | 1,860 |
| Average total loans | $301,464,330 | 1,573 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8717% | 3,499 |
| Cost of funding earning assets | 0.1830% | 5,130 |
| Net interest margin | 3.6887% | 2,523 |
| Noninterest income to average assets | 8.4648% | 73 |
| Noninterest expense to average assets | 9.7715% | 73 |
| Loan and lease loss provision to assets | 0.1769% | 995 |
| Net operating income to assets | 1.2410% | 1,403 |
| Return on assets (ROA) | 1.2410% | 1,441 |
| Pretax return on assets | 1.9788% | 523 |
| Return on Equity (ROE) | 12.4001% | 1,137 |
| Retained earnings to average equity (ytd only) | -1.1007% | 5,083 |
| Net charge-offs to loans | -0.0081% | 4,342 |
| Credit loss provision to net charge-offs | -2,916.6667% | 4,636 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 81.9268% | 1,169 |
| Assets per employee ($millions) | 1.3884% | 5,794 |
| Cash dividends to net income (ytd only)* | 108.8762% | 622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9251% | 4,661 |
| Loan loss allowance to noncurrent loans | 279.2350% | 1,706 |
| Noncurrent assets plus other real estate owned to assets | 0.2432% | 4,250 |
| Noncurrent loans to loans | 0.3313% | 3,922 |
| Net loans and leases to total assets | 72.7239% | 1,958 |
| Net loans and leases to deposits | 93.4380% | 1,170 |
| Net loans and leases to core deposits | 96.0219% | 1,819 |
| Total domestic deposits to total assets | 77.8312% | 4,988 |
| Equity capital to assets | 10.5252% | 3,156 |
| Core capital (leverage) ratio | 10.8598% | 2,528 |
| Tier 1 risk-based capital ratio | 15.7080% | 2,660 |
| Total risk-based capital ratio | 16.8002% | 2,663 |
| Memoranda: | ||
| Average total assets | $395,804,500 | 1,749 |
| Average earning assets | $371,516,000 | 1,726 |
| Average equity | $39,612,500 | 1,883 |
| Average total loans | $297,459,500 | 1,591 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0116% | 3,159 |
| Cost of funding earning assets | 0.2008% | 5,007 |
| Net interest margin | 3.8109% | 2,278 |
| Noninterest income to average assets | 11.8100% | 57 |
| Noninterest expense to average assets | 11.3855% | 62 |
| Loan and lease loss provision to assets | 0.1750% | 1,374 |
| Net operating income to assets | 2.3826% | 170 |
| Return on assets (ROA) | 2.4077% | 169 |
| Pretax return on assets | 3.8530% | 70 |
| Return on Equity (ROE) | 24.8417% | 79 |
| Retained earnings to average equity (ytd only) | 19.2767% | 54 |
| Net charge-offs to loans | -0.0081% | 4,885 |
| Credit loss provision to net charge-offs | -2,852.1739% | 5,414 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0557% | 2,283 |
| Assets per employee ($millions) | 1.5384% | 5,842 |
| Cash dividends to net income (ytd only)* | 22.4019% | 3,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7448% | 5,249 |
| Loan loss allowance to noncurrent loans | 256.9264% | 1,851 |
| Noncurrent assets plus other real estate owned to assets | 0.2643% | 4,229 |
| Noncurrent loans to loans | 0.2899% | 4,110 |
| Net loans and leases to total assets | 76.1669% | 1,490 |
| Net loans and leases to deposits | 110.5266% | 213 |
| Net loans and leases to core deposits | 112.3215% | 767 |
| Total domestic deposits to total assets | 68.9128% | 5,694 |
| Equity capital to assets | 9.5397% | 4,228 |
| Core capital (leverage) ratio | 9.8693% | 3,667 |
| Tier 1 risk-based capital ratio | 15.0741% | 2,936 |
| Total risk-based capital ratio | 16.0333% | 3,008 |
| Memoranda: | ||
| Average total assets | $374,878,800 | 1,783 |
| Average earning assets | $350,628,800 | 1,772 |
| Average equity | $36,334,000 | 2,008 |
| Average total loans | $284,221,400 | 1,599 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9664% | 3,340 |
| Cost of funding earning assets | 0.1927% | 5,145 |
| Net interest margin | 3.7737% | 2,436 |
| Noninterest income to average assets | 11.8435% | 57 |
| Noninterest expense to average assets | 11.4177% | 59 |
| Loan and lease loss provision to assets | 0.1667% | 1,368 |
| Net operating income to assets | 2.4055% | 182 |
| Return on assets (ROA) | 2.4399% | 179 |
| Pretax return on assets | 3.8421% | 75 |
| Return on Equity (ROE) | 25.0617% | 82 |
| Retained earnings to average equity (ytd only) | 20.2896% | 55 |
| Net charge-offs to loans | -0.0077% | 4,706 |
| Credit loss provision to net charge-offs | -2,850.0000% | 5,360 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2724% | 2,231 |
| Assets per employee ($millions) | 1.5366% | 5,909 |
| Cash dividends to net income (ytd only)* | 19.0411% | 3,276 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6798% | 5,467 |
| Loan loss allowance to noncurrent loans | 232.2615% | 2,000 |
| Noncurrent assets plus other real estate owned to assets | 0.2757% | 4,323 |
| Noncurrent loans to loans | 0.2927% | 4,207 |
| Net loans and leases to total assets | 77.1755% | 1,327 |
| Net loans and leases to deposits | 110.7018% | 246 |
| Net loans and leases to core deposits | 112.4982% | 783 |
| Total domestic deposits to total assets | 69.7148% | 5,714 |
| Equity capital to assets | 9.3971% | 4,765 |
| Core capital (leverage) ratio | 10.2504% | 3,281 |
| Tier 1 risk-based capital ratio | 14.9967% | 3,052 |
| Total risk-based capital ratio | 15.9175% | 3,143 |
| Memoranda: | ||
| Average total assets | $364,758,500 | 1,841 |
| Average earning assets | $341,124,500 | 1,824 |
| Average equity | $35,511,500 | 2,064 |
| Average total loans | $275,591,500 | 1,637 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0900% | 2,907 |
| Cost of funding earning assets | 0.1992% | 5,154 |
| Net interest margin | 3.8908% | 2,012 |
| Noninterest income to average assets | 10.7154% | 59 |
| Noninterest expense to average assets | 10.9654% | 65 |
| Loan and lease loss provision to assets | 0.1751% | 1,258 |
| Net operating income to assets | 2.0452% | 301 |
| Return on assets (ROA) | 2.0990% | 298 |
| Pretax return on assets | 3.2901% | 105 |
| Return on Equity (ROE) | 21.2710% | 180 |
| Retained earnings to average equity (ytd only) | 17.3171% | 92 |
| Net charge-offs to loans | -0.0077% | 4,625 |
| Credit loss provision to net charge-offs | -3,060.0000% | 5,268 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4326% | 2,020 |
| Assets per employee ($millions) | 1.3598% | 5,995 |
| Cash dividends to net income (ytd only)* | 18.5882% | 3,237 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7432% | 5,427 |
| Loan loss allowance to noncurrent loans | 85.4291% | 4,000 |
| Noncurrent assets plus other real estate owned to assets | 0.9589% | 2,230 |
| Noncurrent loans to loans | 0.8700% | 2,567 |
| Net loans and leases to total assets | 76.2559% | 1,452 |
| Net loans and leases to deposits | 101.2948% | 611 |
| Net loans and leases to core deposits | 103.9435% | 1,323 |
| Total domestic deposits to total assets | 75.2812% | 5,381 |
| Equity capital to assets | 10.2810% | 3,883 |
| Core capital (leverage) ratio | 9.9067% | 3,674 |
| Tier 1 risk-based capital ratio | 15.6949% | 2,786 |
| Total risk-based capital ratio | 16.6564% | 2,831 |
| Memoranda: | ||
| Average total assets | $349,589,330 | 1,918 |
| Average earning assets | $326,261,000 | 1,899 |
| Average equity | $34,497,670 | 2,120 |
| Average total loans | $261,191,330 | 1,720 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9735% | 3,320 |
| Cost of funding earning assets | 0.1907% | 5,277 |
| Net interest margin | 3.7827% | 2,358 |
| Noninterest income to average assets | 8.8788% | 67 |
| Noninterest expense to average assets | 9.8952% | 72 |
| Loan and lease loss provision to assets | 0.1332% | 1,583 |
| Net operating income to assets | 1.4548% | 930 |
| Return on assets (ROA) | 1.5114% | 877 |
| Pretax return on assets | 2.4692% | 251 |
| Return on Equity (ROE) | 15.6469% | 578 |
| Retained earnings to average equity (ytd only) | 11.4498% | 584 |
| Net charge-offs to loans | -0.0078% | 4,433 |
| Credit loss provision to net charge-offs | -2,320.0000% | 4,909 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.7409% | 1,642 |
| Assets per employee ($millions) | 1.3888% | 6,057 |
| Cash dividends to net income (ytd only)* | 26.8237% | 2,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7069% | 5,583 |
| Loan loss allowance to noncurrent loans | 60.9805% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 1.1982% | 1,823 |
| Noncurrent loans to loans | 1.1593% | 2,086 |
| Net loans and leases to total assets | 74.3595% | 1,677 |
| Net loans and leases to deposits | 98.1024% | 752 |
| Net loans and leases to core deposits | 100.6165% | 1,437 |
| Total domestic deposits to total assets | 75.7979% | 5,428 |
| Equity capital to assets | 9.9674% | 4,118 |
| Core capital (leverage) ratio | 9.8443% | 3,728 |
| Tier 1 risk-based capital ratio | 15.3042% | 3,012 |
| Total risk-based capital ratio | 16.2097% | 3,113 |
| Memoranda: | ||
| Average total assets | $348,291,500 | 1,922 |
| Average earning assets | $325,055,500 | 1,908 |
| Average equity | $33,642,500 | 2,174 |
| Average total loans | $256,500,500 | 1,753 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6725% | 4,450 |
| Cost of funding earning assets | 0.1487% | 5,690 |
| Net interest margin | 3.5238% | 3,438 |
| Noninterest income to average assets | 11.4970% | 59 |
| Noninterest expense to average assets | 11.0241% | 68 |
| Loan and lease loss provision to assets | 0.0488% | 3,355 |
| Net operating income to assets | 2.3622% | 185 |
| Return on assets (ROA) | 2.3974% | 179 |
| Pretax return on assets | 3.7593% | 82 |
| Return on Equity (ROE) | 25.2383% | 100 |
| Retained earnings to average equity (ytd only) | 10.8912% | 356 |
| Net charge-offs to loans | -0.0147% | 5,201 |
| Credit loss provision to net charge-offs | -471.4286% | 5,430 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.6022% | 2,488 |
| Assets per employee ($millions) | 1.4256% | 6,112 |
| Cash dividends to net income (ytd only)* | 56.8468% | 1,920 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6618% | 5,704 |
| Loan loss allowance to noncurrent loans | 56.2189% | 4,718 |
| Noncurrent assets plus other real estate owned to assets | 1.1775% | 1,848 |
| Noncurrent loans to loans | 1.1772% | 2,006 |
| Net loans and leases to total assets | 71.9594% | 2,060 |
| Net loans and leases to deposits | 100.2139% | 659 |
| Net loans and leases to core deposits | 103.0091% | 1,294 |
| Total domestic deposits to total assets | 71.8058% | 5,808 |
| Equity capital to assets | 9.3604% | 4,720 |
| Core capital (leverage) ratio | 9.8948% | 3,653 |
| Tier 1 risk-based capital ratio | 15.1750% | 3,092 |
| Total risk-based capital ratio | 16.0412% | 3,212 |
| Memoranda: | ||
| Average total assets | $338,122,200 | 1,939 |
| Average earning assets | $314,745,200 | 1,925 |
| Average equity | $32,117,800 | 2,194 |
| Average total loans | $237,640,600 | 1,819 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6326% | 4,635 |
| Cost of funding earning assets | 0.1471% | 5,803 |
| Net interest margin | 3.4855% | 3,598 |
| Noninterest income to average assets | 12.1701% | 60 |
| Noninterest expense to average assets | 11.2754% | 69 |
| Loan and lease loss provision to assets | 0.0100% | 4,071 |
| Net operating income to assets | 2.6284% | 139 |
| Return on assets (ROA) | 2.6693% | 130 |
| Pretax return on assets | 4.1902% | 72 |
| Return on Equity (ROE) | 27.9931% | 75 |
| Retained earnings to average equity (ytd only) | 10.9889% | 481 |
| Net charge-offs to loans | -0.0160% | 5,128 |
| Credit loss provision to net charge-offs | -89.2857% | 5,039 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 73.1611% | 2,691 |
| Assets per employee ($millions) | 1.4784% | 6,197 |
| Cash dividends to net income (ytd only)* | 60.7441% | 1,380 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6020% | 5,893 |
| Loan loss allowance to noncurrent loans | 91.4353% | 3,866 |
| Noncurrent assets plus other real estate owned to assets | 0.7908% | 2,912 |
| Noncurrent loans to loans | 0.6584% | 3,354 |
| Net loans and leases to total assets | 71.1435% | 2,206 |
| Net loans and leases to deposits | 102.1682% | 539 |
| Net loans and leases to core deposits | 104.8856% | 1,173 |
| Total domestic deposits to total assets | 69.6336% | 5,987 |
| Equity capital to assets | 9.0250% | 5,288 |
| Core capital (leverage) ratio | 9.9285% | 3,730 |
| Tier 1 risk-based capital ratio | 15.2833% | 3,152 |
| Total risk-based capital ratio | 16.1434% | 3,297 |
| Memoranda: | ||
| Average total assets | $334,264,000 | 1,976 |
| Average earning assets | $310,884,250 | 1,963 |
| Average equity | $31,873,750 | 2,219 |
| Average total loans | $233,023,000 | 1,857 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5687% | 4,815 |
| Cost of funding earning assets | 0.1505% | 5,842 |
| Net interest margin | 3.4182% | 3,839 |
| Noninterest income to average assets | 12.5889% | 59 |
| Noninterest expense to average assets | 11.5090% | 68 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 2.7126% | 126 |
| Return on assets (ROA) | 2.7754% | 116 |
| Pretax return on assets | 4.3554% | 68 |
| Return on Equity (ROE) | 28.5444% | 77 |
| Retained earnings to average equity (ytd only) | 24.9724% | 44 |
| Net charge-offs to loans | -0.0347% | 5,382 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.9976% | 2,838 |
| Assets per employee ($millions) | 1.4157% | 6,277 |
| Cash dividends to net income (ytd only)* | 12.5138% | 3,404 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6222% | 5,942 |
| Loan loss allowance to noncurrent loans | 85.8903% | 4,052 |
| Noncurrent assets plus other real estate owned to assets | 0.8529% | 2,854 |
| Noncurrent loans to loans | 0.7244% | 3,311 |
| Net loans and leases to total assets | 71.2204% | 2,125 |
| Net loans and leases to deposits | 99.8777% | 668 |
| Net loans and leases to core deposits | 101.5228% | 1,359 |
| Total domestic deposits to total assets | 71.3076% | 5,971 |
| Equity capital to assets | 9.7537% | 4,341 |
| Core capital (leverage) ratio | 10.4789% | 2,988 |
| Tier 1 risk-based capital ratio | 16.9217% | 2,436 |
| Total risk-based capital ratio | 17.8256% | 2,530 |
| Memoranda: | ||
| Average total assets | $325,936,670 | 2,044 |
| Average earning assets | $302,966,670 | 2,029 |
| Average equity | $31,691,000 | 2,233 |
| Average total loans | $224,988,000 | 1,915 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6072% | 4,668 |
| Cost of funding earning assets | 0.1496% | 5,924 |
| Net interest margin | 3.4576% | 3,599 |
| Noninterest income to average assets | 11.2213% | 66 |
| Noninterest expense to average assets | 11.0294% | 72 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 2.1731% | 240 |
| Return on assets (ROA) | 2.3023% | 213 |
| Pretax return on assets | 3.6024% | 101 |
| Return on Equity (ROE) | 23.7195% | 133 |
| Retained earnings to average equity (ytd only) | 23.7195% | 55 |
| Net charge-offs to loans | -0.1176% | 5,911 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.4346% | 2,441 |
| Assets per employee ($millions) | 1.3175% | 6,347 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7162% | 5,872 |
| Loan loss allowance to noncurrent loans | 92.2940% | 3,878 |
| Noncurrent assets plus other real estate owned to assets | 1.0332% | 2,555 |
| Noncurrent loans to loans | 0.7760% | 3,314 |
| Net loans and leases to total assets | 68.2658% | 2,402 |
| Net loans and leases to deposits | 88.2025% | 1,592 |
| Net loans and leases to core deposits | 90.2364% | 2,106 |
| Total domestic deposits to total assets | 77.3966% | 5,551 |
| Equity capital to assets | 10.0218% | 4,122 |
| Core capital (leverage) ratio | 9.9888% | 3,615 |
| Tier 1 risk-based capital ratio | 17.4642% | 2,314 |
| Total risk-based capital ratio | 18.4870% | 2,352 |
| Memoranda: | ||
| Average total assets | $316,898,000 | 2,105 |
| Average earning assets | $294,076,500 | 2,091 |
| Average equity | $30,759,500 | 2,309 |
| Average total loans | $214,211,000 | 1,984 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6674% | 4,885 |
| Cost of funding earning assets | 0.1677% | 5,996 |
| Net interest margin | 3.4997% | 3,796 |
| Noninterest income to average assets | 9.5196% | 70 |
| Noninterest expense to average assets | 10.6702% | 68 |
| Loan and lease loss provision to assets | -0.0172% | 5,934 |
| Net operating income to assets | 1.3473% | 1,192 |
| Return on assets (ROA) | 1.3642% | 1,198 |
| Pretax return on assets | 2.1313% | 379 |
| Return on Equity (ROE) | 13.5865% | 1,018 |
| Retained earnings to average equity (ytd only) | -9.9514% | 6,315 |
| Net charge-offs to loans | 0.0255% | 4,318 |
| Credit loss provision to net charge-offs | -111.1111% | 5,539 |
| Earnings coverage of net charge-offs (x) | 135.1111% | 398 |
| Efficiency ratio | 83.6361% | 1,458 |
| Assets per employee ($millions) | 1.3234% | 6,437 |
| Cash dividends to net income (ytd only)* | 173.2444% | 112 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7080% | 5,976 |
| Loan loss allowance to noncurrent loans | 111.9940% | 3,461 |
| Noncurrent assets plus other real estate owned to assets | 1.0844% | 2,580 |
| Noncurrent loans to loans | 0.6322% | 3,791 |
| Net loans and leases to total assets | 65.9689% | 2,887 |
| Net loans and leases to deposits | 87.0863% | 1,836 |
| Net loans and leases to core deposits | 88.9410% | 2,387 |
| Total domestic deposits to total assets | 75.7512% | 5,775 |
| Equity capital to assets | 9.3925% | 4,853 |
| Core capital (leverage) ratio | 9.5923% | 4,114 |
| Tier 1 risk-based capital ratio | 16.8878% | 2,558 |
| Total risk-based capital ratio | 17.9072% | 2,598 |
| Memoranda: | ||
| Average total assets | $291,232,000 | 2,203 |
| Average earning assets | $269,483,000 | 2,200 |
| Average equity | $29,242,200 | 2,327 |
| Average total loans | $176,660,400 | 2,262 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6367% | 5,045 |
| Cost of funding earning assets | 0.1713% | 6,054 |
| Net interest margin | 3.4655% | 3,961 |
| Noninterest income to average assets | 9.5510% | 70 |
| Noninterest expense to average assets | 10.8059% | 66 |
| Loan and lease loss provision to assets | -0.0468% | 6,181 |
| Net operating income to assets | 1.2797% | 1,435 |
| Return on assets (ROA) | 1.2947% | 1,442 |
| Pretax return on assets | 2.0189% | 544 |
| Return on Equity (ROE) | 12.6662% | 1,306 |
| Retained earnings to average equity (ytd only) | -16.3965% | 6,459 |
| Net charge-offs to loans | -0.0198% | 5,608 |
| Credit loss provision to net charge-offs | 400.0000% | 693 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7222% | 1,313 |
| Assets per employee ($millions) | 1.3123% | 6,517 |
| Cash dividends to net income (ytd only)* | 229.4502% | 72 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7184% | 6,065 |
| Loan loss allowance to noncurrent loans | 55.4579% | 4,944 |
| Noncurrent assets plus other real estate owned to assets | 1.5386% | 1,997 |
| Noncurrent loans to loans | 1.2955% | 2,479 |
| Net loans and leases to total assets | 66.1549% | 2,840 |
| Net loans and leases to deposits | 87.6903% | 1,709 |
| Net loans and leases to core deposits | 89.6871% | 2,259 |
| Total domestic deposits to total assets | 75.4415% | 5,876 |
| Equity capital to assets | 9.1627% | 5,196 |
| Core capital (leverage) ratio | 9.5357% | 4,323 |
| Tier 1 risk-based capital ratio | 16.6849% | 2,731 |
| Total risk-based capital ratio | 17.7485% | 2,766 |
| Memoranda: | ||
| Average total assets | $284,639,000 | 2,260 |
| Average earning assets | $263,123,000 | 2,267 |
| Average equity | $29,095,000 | 2,345 |
| Average total loans | $168,072,000 | 2,357 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4950% | 5,418 |
| Cost of funding earning assets | 0.1708% | 6,132 |
| Net interest margin | 3.3242% | 4,488 |
| Noninterest income to average assets | 9.5250% | 70 |
| Noninterest expense to average assets | 10.7582% | 66 |
| Loan and lease loss provision to assets | -0.0730% | 6,339 |
| Net operating income to assets | 1.2265% | 1,511 |
| Return on assets (ROA) | 1.2433% | 1,529 |
| Pretax return on assets | 1.9343% | 637 |
| Return on Equity (ROE) | 11.6977% | 1,522 |
| Retained earnings to average equity (ytd only) | -29.4913% | 6,588 |
| Net charge-offs to loans | -0.0247% | 5,609 |
| Credit loss provision to net charge-offs | 526.3158% | 562 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.4279% | 1,327 |
| Assets per employee ($millions) | 1.1333% | 6,599 |
| Cash dividends to net income (ytd only)* | 352.1127% | 52 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8670% | 5,820 |
| Loan loss allowance to noncurrent loans | 55.6047% | 4,963 |
| Noncurrent assets plus other real estate owned to assets | 1.7582% | 1,850 |
| Noncurrent loans to loans | 1.5592% | 2,223 |
| Net loans and leases to total assets | 60.1386% | 3,691 |
| Net loans and leases to deposits | 74.6712% | 3,244 |
| Net loans and leases to core deposits | 76.4267% | 3,583 |
| Total domestic deposits to total assets | 80.5379% | 5,115 |
| Equity capital to assets | 9.8871% | 4,259 |
| Core capital (leverage) ratio | 10.3751% | 3,110 |
| Tier 1 risk-based capital ratio | 18.5029% | 2,063 |
| Total risk-based capital ratio | 19.7105% | 2,038 |
| Memoranda: | ||
| Average total assets | $274,098,330 | 2,341 |
| Average earning assets | $252,990,000 | 2,329 |
| Average equity | $29,134,000 | 2,328 |
| Average total loans | $153,850,670 | 2,520 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3886% | 5,673 |
| Cost of funding earning assets | 0.1704% | 6,228 |
| Net interest margin | 3.2182% | 4,870 |
| Noninterest income to average assets | 8.2289% | 74 |
| Noninterest expense to average assets | 10.1781% | 73 |
| Loan and lease loss provision to assets | -0.1494% | 6,530 |
| Net operating income to assets | 0.7557% | 3,384 |
| Return on assets (ROA) | 0.7693% | 3,395 |
| Pretax return on assets | 1.1830% | 2,557 |
| Return on Equity (ROE) | 6.9767% | 3,487 |
| Retained earnings to average equity (ytd only) | -74.3049% | 6,697 |
| Net charge-offs to loans | -0.0417% | 5,730 |
| Credit loss provision to net charge-offs | 666.6667% | 422 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.9503% | 959 |
| Assets per employee ($millions) | 1.0399% | 6,670 |
| Cash dividends to net income (ytd only)* | 1,165.0485% | 13 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0511% | 5,311 |
| Loan loss allowance to noncurrent loans | 55.2941% | 5,006 |
| Noncurrent assets plus other real estate owned to assets | 1.8825% | 1,830 |
| Noncurrent loans to loans | 1.9010% | 1,994 |
| Net loans and leases to total assets | 52.9747% | 4,546 |
| Net loans and leases to deposits | 61.1293% | 4,651 |
| Net loans and leases to core deposits | 62.3392% | 4,838 |
| Total domestic deposits to total assets | 86.6600% | 3,009 |
| Equity capital to assets | 10.0297% | 3,807 |
| Core capital (leverage) ratio | 10.1564% | 3,342 |
| Tier 1 risk-based capital ratio | 19.8008% | 1,767 |
| Total risk-based capital ratio | 21.0517% | 1,737 |
| Memoranda: | ||
| Average total assets | $267,789,500 | 2,395 |
| Average earning assets | $246,475,000 | 2,384 |
| Average equity | $29,527,000 | 2,296 |
| Average total loans | $143,808,500 | 2,683 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5993% | 5,405 |
| Cost of funding earning assets | 0.2073% | 6,246 |
| Net interest margin | 3.3921% | 4,304 |
| Noninterest income to average assets | 11.8535% | 56 |
| Noninterest expense to average assets | 13.1269% | 57 |
| Loan and lease loss provision to assets | -0.3150% | 6,682 |
| Net operating income to assets | 1.3539% | 1,128 |
| Return on assets (ROA) | 1.3539% | 1,171 |
| Pretax return on assets | 2.1342% | 356 |
| Return on Equity (ROE) | 12.2315% | 1,344 |
| Retained earnings to average equity (ytd only) | 12.2315% | 293 |
| Net charge-offs to loans | 0.0280% | 4,866 |
| Credit loss provision to net charge-offs | -1,624.0741% | 6,292 |
| Earnings coverage of net charge-offs (x) | 93.7778% | 481 |
| Efficiency ratio | 87.8287% | 1,237 |
| Assets per employee ($millions) | 1.0606% | 6,752 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0994% | 5,150 |
| Loan loss allowance to noncurrent loans | 119.1154% | 3,179 |
| Noncurrent assets plus other real estate owned to assets | 1.7684% | 2,096 |
| Noncurrent loans to loans | 0.9230% | 3,682 |
| Net loans and leases to total assets | 53.2739% | 4,684 |
| Net loans and leases to deposits | 61.4666% | 4,778 |
| Net loans and leases to core deposits | 62.6764% | 5,001 |
| Total domestic deposits to total assets | 86.6713% | 2,891 |
| Equity capital to assets | 12.0187% | 1,794 |
| Core capital (leverage) ratio | 11.9616% | 1,636 |
| Tier 1 risk-based capital ratio | 24.8515% | 865 |
| Total risk-based capital ratio | 26.1041% | 856 |
| Memoranda: | ||
| Average total assets | $278,374,400 | 2,284 |
| Average earning assets | $253,798,200 | 2,298 |
| Average equity | $30,813,800 | 2,208 |
| Average total loans | $193,150,000 | 2,064 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5106% | 5,663 |
| Cost of funding earning assets | 0.2159% | 6,312 |
| Net interest margin | 3.2947% | 4,658 |
| Noninterest income to average assets | 12.9899% | 54 |
| Noninterest expense to average assets | 13.9061% | 55 |
| Loan and lease loss provision to assets | -0.4163% | 6,814 |
| Net operating income to assets | 1.5802% | 779 |
| Return on assets (ROA) | 1.5802% | 825 |
| Pretax return on assets | 2.4992% | 244 |
| Return on Equity (ROE) | 14.5742% | 874 |
| Retained earnings to average equity (ytd only) | 14.5742% | 223 |
| Net charge-offs to loans | 0.0396% | 4,354 |
| Credit loss provision to net charge-offs | -1,437.7049% | 6,240 |
| Earnings coverage of net charge-offs (x) | 71.9356% | 650 |
| Efficiency ratio | 86.9730% | 1,260 |
| Assets per employee ($millions) | 0.9719% | 6,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9206% | 6,002 |
| Loan loss allowance to noncurrent loans | 105.6780% | 3,346 |
| Noncurrent assets plus other real estate owned to assets | 2.0062% | 2,011 |
| Noncurrent loans to loans | 0.8712% | 4,080 |
| Net loans and leases to total assets | 64.1687% | 2,976 |
| Net loans and leases to deposits | 74.4837% | 3,159 |
| Net loans and leases to core deposits | 75.9733% | 3,619 |
| Total domestic deposits to total assets | 86.1514% | 3,167 |
| Equity capital to assets | 12.0067% | 1,913 |
| Core capital (leverage) ratio | 11.8603% | 1,763 |
| Tier 1 risk-based capital ratio | 23.6203% | 1,056 |
| Total risk-based capital ratio | 24.8719% | 1,034 |
| Memoranda: | ||
| Average total assets | $280,887,250 | 2,272 |
| Average earning assets | $255,678,500 | 2,291 |
| Average equity | $30,455,000 | 2,249 |
| Average total loans | $205,303,750 | 1,975 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.3829% | 5,944 |
| Cost of funding earning assets | 0.2214% | 6,360 |
| Net interest margin | 3.1615% | 5,079 |
| Noninterest income to average assets | 14.0034% | 54 |
| Noninterest expense to average assets | 14.1460% | 53 |
| Loan and lease loss provision to assets | -0.0944% | 6,705 |
| Net operating income to assets | 1.7863% | 536 |
| Return on assets (ROA) | 1.7863% | 573 |
| Pretax return on assets | 2.8272% | 174 |
| Return on Equity (ROE) | 17.0403% | 550 |
| Retained earnings to average equity (ytd only) | 17.0403% | 154 |
| Net charge-offs to loans | 0.0111% | 4,651 |
| Credit loss provision to net charge-offs | -1,125.0000% | 6,047 |
| Earnings coverage of net charge-offs (x) | 325.7500% | 159 |
| Efficiency ratio | 83.8090% | 1,653 |
| Assets per employee ($millions) | 0.9906% | 6,879 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1259% | 5,345 |
| Loan loss allowance to noncurrent loans | 143.3837% | 2,616 |
| Noncurrent assets plus other real estate owned to assets | 2.0039% | 2,148 |
| Noncurrent loans to loans | 0.7852% | 4,343 |
| Net loans and leases to total assets | 72.7923% | 1,438 |
| Net loans and leases to deposits | 94.2730% | 792 |
| Net loans and leases to core deposits | 96.2208% | 1,336 |
| Total domestic deposits to total assets | 77.2144% | 6,099 |
| Equity capital to assets | 10.8533% | 2,889 |
| Core capital (leverage) ratio | 11.8647% | 1,695 |
| Tier 1 risk-based capital ratio | 21.2545% | 1,435 |
| Total risk-based capital ratio | 22.5115% | 1,404 |
| Memoranda: | ||
| Average total assets | $286,074,000 | 2,247 |
| Average earning assets | $260,191,000 | 2,265 |
| Average equity | $29,987,670 | 2,274 |
| Average total loans | $216,458,670 | 1,891 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5561% | 5,569 |
| Cost of funding earning assets | 0.2217% | 6,465 |
| Net interest margin | 3.3344% | 4,382 |
| Noninterest income to average assets | 16.6240% | 46 |
| Noninterest expense to average assets | 16.9022% | 46 |
| Loan and lease loss provision to assets | -0.0343% | 6,771 |
| Net operating income to assets | 1.7325% | 537 |
| Return on assets (ROA) | 1.7325% | 596 |
| Pretax return on assets | 2.7524% | 199 |
| Return on Equity (ROE) | 16.3732% | 569 |
| Retained earnings to average equity (ytd only) | 16.3732% | 255 |
| Net charge-offs to loans | -0.0110% | 5,474 |
| Credit loss provision to net charge-offs | 400.0000% | 633 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.1468% | 1,497 |
| Assets per employee ($millions) | 0.8471% | 6,962 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2949% | 4,723 |
| Loan loss allowance to noncurrent loans | 107.1260% | 3,171 |
| Noncurrent assets plus other real estate owned to assets | 2.3676% | 1,966 |
| Noncurrent loans to loans | 1.2088% | 3,750 |
| Net loans and leases to total assets | 77.0783% | 713 |
| Net loans and leases to deposits | 94.4173% | 644 |
| Net loans and leases to core deposits | 95.5170% | 1,228 |
| Total domestic deposits to total assets | 81.6358% | 5,316 |
| Equity capital to assets | 11.1931% | 2,747 |
| Core capital (leverage) ratio | 11.2349% | 2,070 |
| Tier 1 risk-based capital ratio | 20.0827% | 1,745 |
| Total risk-based capital ratio | 21.3418% | 1,717 |
| Memoranda: | ||
| Average total assets | $232,964,000 | 2,746 |
| Average earning assets | $209,332,500 | 2,785 |
| Average equity | $24,650,000 | 2,740 |
| Average total loans | $182,503,000 | 2,184 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8392% | 5,734 |
| Cost of funding earning assets | 0.2939% | 6,485 |
| Net interest margin | 3.5453% | 4,317 |
| Noninterest income to average assets | 18.1040% | 45 |
| Noninterest expense to average assets | 17.3739% | 44 |
| Loan and lease loss provision to assets | -0.0251% | 6,842 |
| Net operating income to assets | 2.4468% | 167 |
| Return on assets (ROA) | 2.5051% | 166 |
| Pretax return on assets | 3.9797% | 79 |
| Return on Equity (ROE) | 24.4051% | 141 |
| Retained earnings to average equity (ytd only) | 24.4051% | 33 |
| Net charge-offs to loans | 0.2330% | 3,541 |
| Credit loss provision to net charge-offs | -14.0541% | 6,224 |
| Earnings coverage of net charge-offs (x) | 21.6676% | 1,290 |
| Efficiency ratio | 81.8077% | 1,892 |
| Assets per employee ($millions) | 0.9215% | 7,025 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2040% | 5,092 |
| Loan loss allowance to noncurrent loans | 110.6589% | 3,084 |
| Noncurrent assets plus other real estate owned to assets | 3.2993% | 1,394 |
| Noncurrent loans to loans | 1.0880% | 4,035 |
| Net loans and leases to total assets | 77.6261% | 717 |
| Net loans and leases to deposits | 111.7803% | 137 |
| Net loans and leases to core deposits | 113.2008% | 433 |
| Total domestic deposits to total assets | 69.4452% | 6,807 |
| Equity capital to assets | 10.0119% | 4,148 |
| Core capital (leverage) ratio | 11.0357% | 2,228 |
| Tier 1 risk-based capital ratio | 18.7113% | 2,044 |
| Total risk-based capital ratio | 19.9687% | 2,004 |
| Memoranda: | ||
| Average total assets | $207,500,600 | 2,956 |
| Average earning assets | $183,397,800 | 3,046 |
| Average equity | $21,298,800 | 3,068 |
| Average total loans | $158,785,400 | 2,450 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9902% | 5,542 |
| Cost of funding earning assets | 0.3108% | 6,558 |
| Net interest margin | 3.6795% | 3,880 |
| Noninterest income to average assets | 17.3121% | 47 |
| Noninterest expense to average assets | 16.9758% | 45 |
| Loan and lease loss provision to assets | -0.1186% | 7,052 |
| Net operating income to assets | 2.3100% | 239 |
| Return on assets (ROA) | 2.3910% | 227 |
| Pretax return on assets | 3.8180% | 88 |
| Return on Equity (ROE) | 23.1219% | 189 |
| Retained earnings to average equity (ytd only) | 23.1219% | 56 |
| Net charge-offs to loans | 0.3116% | 2,883 |
| Credit loss provision to net charge-offs | -50.1416% | 6,178 |
| Earnings coverage of net charge-offs (x) | 15.1078% | 1,788 |
| Efficiency ratio | 82.6128% | 1,743 |
| Assets per employee ($millions) | 0.8985% | 7,123 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2640% | 4,980 |
| Loan loss allowance to noncurrent loans | 96.6696% | 3,332 |
| Noncurrent assets plus other real estate owned to assets | 3.8649% | 1,269 |
| Noncurrent loans to loans | 1.3075% | 3,857 |
| Net loans and leases to total assets | 76.3163% | 920 |
| Net loans and leases to deposits | 99.5388% | 465 |
| Net loans and leases to core deposits | 100.7817% | 1,065 |
| Total domestic deposits to total assets | 76.6699% | 6,287 |
| Equity capital to assets | 10.1253% | 4,321 |
| Core capital (leverage) ratio | 10.8743% | 2,516 |
| Tier 1 risk-based capital ratio | 18.0303% | 2,325 |
| Total risk-based capital ratio | 19.2882% | 2,300 |
| Memoranda: | ||
| Average total assets | $199,015,250 | 3,089 |
| Average earning assets | $175,056,250 | 3,197 |
| Average equity | $20,580,250 | 3,161 |
| Average total loans | $151,055,250 | 2,587 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1386% | 5,168 |
| Cost of funding earning assets | 0.3306% | 6,598 |
| Net interest margin | 3.8081% | 3,321 |
| Noninterest income to average assets | 16.0092% | 50 |
| Noninterest expense to average assets | 16.3881% | 50 |
| Loan and lease loss provision to assets | -0.2533% | 7,171 |
| Net operating income to assets | 2.0034% | 393 |
| Return on assets (ROA) | 2.1300% | 354 |
| Pretax return on assets | 3.4122% | 113 |
| Return on Equity (ROE) | 20.4321% | 327 |
| Retained earnings to average equity (ytd only) | 20.4321% | 98 |
| Net charge-offs to loans | 0.3722% | 2,532 |
| Credit loss provision to net charge-offs | -90.2985% | 6,057 |
| Earnings coverage of net charge-offs (x) | 10.5560% | 2,037 |
| Efficiency ratio | 84.6965% | 1,563 |
| Assets per employee ($millions) | 0.7685% | 7,190 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4778% | 4,126 |
| Loan loss allowance to noncurrent loans | 123.9143% | 2,645 |
| Noncurrent assets plus other real estate owned to assets | 4.1840% | 1,195 |
| Noncurrent loans to loans | 1.1926% | 4,163 |
| Net loans and leases to total assets | 75.3308% | 1,058 |
| Net loans and leases to deposits | 94.0398% | 768 |
| Net loans and leases to core deposits | 95.4817% | 1,474 |
| Total domestic deposits to total assets | 80.1052% | 5,714 |
| Equity capital to assets | 10.7934% | 3,346 |
| Core capital (leverage) ratio | 10.5942% | 2,719 |
| Tier 1 risk-based capital ratio | 18.1620% | 2,243 |
| Total risk-based capital ratio | 19.4222% | 2,210 |
| Memoranda: | ||
| Average total assets | $191,077,670 | 3,203 |
| Average earning assets | $167,591,670 | 3,301 |
| Average equity | $19,919,670 | 3,230 |
| Average total loans | $143,996,670 | 2,704 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1558% | 5,263 |
| Cost of funding earning assets | 0.3435% | 6,668 |
| Net interest margin | 3.8123% | 3,337 |
| Noninterest income to average assets | 14.5301% | 53 |
| Noninterest expense to average assets | 15.9155% | 47 |
| Loan and lease loss provision to assets | 0.0106% | 5,165 |
| Net operating income to assets | 1.1806% | 1,798 |
| Return on assets (ROA) | 1.1806% | 1,979 |
| Pretax return on assets | 1.9556% | 799 |
| Return on Equity (ROE) | 11.5338% | 1,827 |
| Retained earnings to average equity (ytd only) | 11.5338% | 914 |
| Net charge-offs to loans | 0.3134% | 2,394 |
| Credit loss provision to net charge-offs | 4.5045% | 3,960 |
| Earnings coverage of net charge-offs (x) | 8.3874% | 1,964 |
| Efficiency ratio | 89.0044% | 1,176 |
| Assets per employee ($millions) | 0.8207% | 7,254 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9396% | 2,558 |
| Loan loss allowance to noncurrent loans | 67.3137% | 4,154 |
| Noncurrent assets plus other real estate owned to assets | 4.6133% | 1,156 |
| Noncurrent loans to loans | 2.8815% | 2,240 |
| Net loans and leases to total assets | 72.1767% | 1,371 |
| Net loans and leases to deposits | 84.4468% | 1,603 |
| Net loans and leases to core deposits | 85.7374% | 2,323 |
| Total domestic deposits to total assets | 85.4700% | 3,809 |
| Equity capital to assets | 10.7899% | 3,159 |
| Core capital (leverage) ratio | 9.9486% | 3,429 |
| Tier 1 risk-based capital ratio | 17.6944% | 2,407 |
| Total risk-based capital ratio | 18.9610% | 2,370 |
| Memoranda: | ||
| Average total assets | $189,400,000 | 3,242 |
| Average earning assets | $166,515,500 | 3,342 |
| Average equity | $19,386,500 | 3,300 |
| Average total loans | $141,662,500 | 2,761 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2625% | 5,876 |
| Cost of funding earning assets | 0.4164% | 6,846 |
| Net interest margin | 3.8460% | 3,589 |
| Noninterest income to average assets | 11.7721% | 56 |
| Noninterest expense to average assets | 13.8043% | 50 |
| Loan and lease loss provision to assets | 0.0298% | 6,196 |
| Net operating income to assets | 0.9242% | 2,510 |
| Return on assets (ROA) | 0.9854% | 2,398 |
| Pretax return on assets | 1.3516% | 1,948 |
| Return on Equity (ROE) | 9.7112% | 2,155 |
| Retained earnings to average equity (ytd only) | 9.7112% | 621 |
| Net charge-offs to loans | 0.1385% | 5,037 |
| Credit loss provision to net charge-offs | 32.3171% | 5,752 |
| Earnings coverage of net charge-offs (x) | 14.0671% | 1,488 |
| Efficiency ratio | 91.4078% | 1,084 |
| Assets per employee ($millions) | 0.9318% | 7,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8140% | 2,830 |
| Loan loss allowance to noncurrent loans | 123.9469% | 2,531 |
| Noncurrent assets plus other real estate owned to assets | 3.5715% | 1,650 |
| Noncurrent loans to loans | 1.4636% | 3,962 |
| Net loans and leases to total assets | 74.5223% | 1,169 |
| Net loans and leases to deposits | 98.9692% | 503 |
| Net loans and leases to core deposits | 100.3830% | 1,143 |
| Total domestic deposits to total assets | 75.2984% | 6,562 |
| Equity capital to assets | 9.7222% | 4,560 |
| Core capital (leverage) ratio | 9.3484% | 4,251 |
| Tier 1 risk-based capital ratio | 15.3138% | 3,444 |
| Total risk-based capital ratio | 16.5790% | 3,386 |
| Memoranda: | ||
| Average total assets | $177,792,600 | 3,368 |
| Average earning assets | $153,924,800 | 3,513 |
| Average equity | $18,041,000 | 3,417 |
| Average total loans | $118,370,400 | 3,210 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2647% | 6,045 |
| Cost of funding earning assets | 0.4340% | 6,925 |
| Net interest margin | 3.8307% | 3,716 |
| Noninterest income to average assets | 10.6756% | 61 |
| Noninterest expense to average assets | 12.9380% | 53 |
| Loan and lease loss provision to assets | 0.0054% | 6,355 |
| Net operating income to assets | 0.8188% | 3,066 |
| Return on assets (ROA) | 0.8797% | 2,967 |
| Pretax return on assets | 1.1069% | 2,979 |
| Return on Equity (ROE) | 8.5673% | 2,794 |
| Retained earnings to average equity (ytd only) | 8.5673% | 1,290 |
| Net charge-offs to loans | 0.3603% | 3,290 |
| Credit loss provision to net charge-offs | 2.3411% | 5,723 |
| Earnings coverage of net charge-offs (x) | 4.4950% | 3,057 |
| Efficiency ratio | 92.5910% | 989 |
| Assets per employee ($millions) | 0.9051% | 7,381 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1430% | 1,977 |
| Loan loss allowance to noncurrent loans | 105.1645% | 2,835 |
| Noncurrent assets plus other real estate owned to assets | 4.7469% | 1,242 |
| Noncurrent loans to loans | 2.0377% | 3,319 |
| Net loans and leases to total assets | 64.3389% | 3,242 |
| Net loans and leases to deposits | 75.9447% | 3,340 |
| Net loans and leases to core deposits | 77.1268% | 4,029 |
| Total domestic deposits to total assets | 84.7181% | 3,902 |
| Equity capital to assets | 10.3726% | 3,863 |
| Core capital (leverage) ratio | 9.9102% | 3,555 |
| Tier 1 risk-based capital ratio | 16.1359% | 3,047 |
| Total risk-based capital ratio | 17.4023% | 3,001 |
| Memoranda: | ||
| Average total assets | $173,088,000 | 3,462 |
| Average earning assets | $149,002,750 | 3,618 |
| Average equity | $17,772,500 | 3,459 |
| Average total loans | $110,656,500 | 3,397 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2579% | 6,139 |
| Cost of funding earning assets | 0.4505% | 7,005 |
| Net interest margin | 3.8074% | 3,747 |
| Noninterest income to average assets | 10.1352% | 65 |
| Noninterest expense to average assets | 12.9532% | 57 |
| Loan and lease loss provision to assets | 0.0164% | 6,080 |
| Net operating income to assets | 0.1497% | 5,884 |
| Return on assets (ROA) | 0.1497% | 5,979 |
| Pretax return on assets | 0.4268% | 5,310 |
| Return on Equity (ROE) | 1.4628% | 5,953 |
| Retained earnings to average equity (ytd only) | 1.4628% | 5,253 |
| Net charge-offs to loans | 0.6059% | 2,311 |
| Credit loss provision to net charge-offs | 4.2683% | 5,297 |
| Earnings coverage of net charge-offs (x) | 1.1555% | 4,411 |
| Efficiency ratio | 96.6920% | 844 |
| Assets per employee ($millions) | 0.8974% | 7,455 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2696% | 1,793 |
| Loan loss allowance to noncurrent loans | 79.2154% | 3,563 |
| Noncurrent assets plus other real estate owned to assets | 5.9433% | 946 |
| Noncurrent loans to loans | 2.8651% | 2,554 |
| Net loans and leases to total assets | 64.2486% | 3,408 |
| Net loans and leases to deposits | 73.9865% | 3,809 |
| Net loans and leases to core deposits | 75.1829% | 4,411 |
| Total domestic deposits to total assets | 86.8383% | 2,830 |
| Equity capital to assets | 10.5101% | 3,491 |
| Core capital (leverage) ratio | 9.3323% | 4,201 |
| Tier 1 risk-based capital ratio | 15.1709% | 3,413 |
| Total risk-based capital ratio | 16.4364% | 3,365 |
| Memoranda: | ||
| Average total assets | $171,046,670 | 3,511 |
| Average earning assets | $146,505,670 | 3,677 |
| Average equity | $17,500,330 | 3,495 |
| Average total loans | $108,266,000 | 3,501 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0402% | 6,619 |
| Cost of funding earning assets | 0.4646% | 7,080 |
| Net interest margin | 3.5756% | 4,683 |
| Noninterest income to average assets | 10.0637% | 69 |
| Noninterest expense to average assets | 12.9526% | 54 |
| Loan and lease loss provision to assets | 0.0324% | 5,566 |
| Net operating income to assets | 0.0695% | 6,176 |
| Return on assets (ROA) | 0.0695% | 6,228 |
| Pretax return on assets | 0.1274% | 6,113 |
| Return on Equity (ROE) | 0.6884% | 6,221 |
| Retained earnings to average equity (ytd only) | 0.6884% | 5,551 |
| Net charge-offs to loans | 0.3059% | 2,821 |
| Credit loss provision to net charge-offs | 17.0732% | 4,294 |
| Earnings coverage of net charge-offs (x) | 0.8415% | 4,006 |
| Efficiency ratio | 98.7809% | 799 |
| Assets per employee ($millions) | 0.9815% | 7,511 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5454% | 1,397 |
| Loan loss allowance to noncurrent loans | 65.0734% | 4,151 |
| Noncurrent assets plus other real estate owned to assets | 6.9740% | 770 |
| Noncurrent loans to loans | 3.9116% | 1,877 |
| Net loans and leases to total assets | 61.6527% | 3,936 |
| Net loans and leases to deposits | 71.2368% | 4,166 |
| Net loans and leases to core deposits | 72.3679% | 4,742 |
| Total domestic deposits to total assets | 86.5461% | 3,207 |
| Equity capital to assets | 10.2169% | 3,518 |
| Core capital (leverage) ratio | 9.1127% | 4,430 |
| Tier 1 risk-based capital ratio | 14.2890% | 3,880 |
| Total risk-based capital ratio | 15.5604% | 3,822 |
| Memoranda: | ||
| Average total assets | $172,660,000 | 3,510 |
| Average earning assets | $147,221,500 | 3,689 |
| Average equity | $17,431,500 | 3,505 |
| Average total loans | $107,236,000 | 3,555 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4971% | 6,408 |
| Cost of funding earning assets | 0.9716% | 5,829 |
| Net interest margin | 3.5256% | 5,134 |
| Noninterest income to average assets | 9.3208% | 69 |
| Noninterest expense to average assets | 12.6098% | 62 |
| Loan and lease loss provision to assets | 0.8183% | 2,001 |
| Net operating income to assets | -0.5033% | 6,389 |
| Return on assets (ROA) | -0.4260% | 6,362 |
| Pretax return on assets | -0.9772% | 6,627 |
| Return on Equity (ROE) | -4.5219% | 6,392 |
| Retained earnings to average equity (ytd only) | -4.5219% | 6,249 |
| Net charge-offs to loans | 1.9630% | 1,035 |
| Credit loss provision to net charge-offs | 69.6244% | 5,873 |
| Earnings coverage of net charge-offs (x) | -0.2380% | 6,311 |
| Efficiency ratio | 102.2688% | 716 |
| Assets per employee ($millions) | 0.9974% | 7,593 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6467% | 1,231 |
| Loan loss allowance to noncurrent loans | 34.5899% | 6,015 |
| Noncurrent assets plus other real estate owned to assets | 10.2186% | 395 |
| Noncurrent loans to loans | 7.6517% | 696 |
| Net loans and leases to total assets | 59.3644% | 4,778 |
| Net loans and leases to deposits | 68.6997% | 5,005 |
| Net loans and leases to core deposits | 69.7654% | 5,466 |
| Total domestic deposits to total assets | 86.4114% | 3,130 |
| Equity capital to assets | 9.9774% | 3,770 |
| Core capital (leverage) ratio | 8.5364% | 5,290 |
| Tier 1 risk-based capital ratio | 13.2342% | 4,430 |
| Total risk-based capital ratio | 14.5038% | 4,360 |
| Memoranda: | ||
| Average total assets | $181,240,000 | 3,356 |
| Average earning assets | $154,698,400 | 3,557 |
| Average equity | $17,072,400 | 3,579 |
| Average total loans | $108,506,400 | 3,580 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4765% | 6,656 |
| Cost of funding earning assets | 1.0477% | 5,708 |
| Net interest margin | 3.4289% | 5,575 |
| Noninterest income to average assets | 7.4430% | 91 |
| Noninterest expense to average assets | 10.7443% | 70 |
| Loan and lease loss provision to assets | 1.1685% | 1,232 |
| Net operating income to assets | -0.7304% | 6,748 |
| Return on assets (ROA) | -0.7304% | 6,792 |
| Pretax return on assets | -1.5402% | 7,051 |
| Return on Equity (ROE) | -7.8648% | 6,829 |
| Retained earnings to average equity (ytd only) | -7.8648% | 6,763 |
| Net charge-offs to loans | 2.3126% | 768 |
| Credit loss provision to net charge-offs | 84.7700% | 4,971 |
| Earnings coverage of net charge-offs (x) | -0.2697% | 6,226 |
| Efficiency ratio | 103.5840% | 642 |
| Assets per employee ($millions) | 1.1258% | 7,686 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9902% | 827 |
| Loan loss allowance to noncurrent loans | 30.3546% | 6,313 |
| Noncurrent assets plus other real estate owned to assets | 11.2516% | 316 |
| Noncurrent loans to loans | 9.8509% | 439 |
| Net loans and leases to total assets | 55.1333% | 5,673 |
| Net loans and leases to deposits | 64.2197% | 5,888 |
| Net loans and leases to core deposits | 64.2197% | 6,281 |
| Total domestic deposits to total assets | 85.8510% | 3,155 |
| Equity capital to assets | 9.2611% | 5,208 |
| Core capital (leverage) ratio | 8.0719% | 6,243 |
| Tier 1 risk-based capital ratio | 11.9698% | 5,490 |
| Total risk-based capital ratio | 13.2395% | 5,442 |
| Memoranda: | ||
| Average total assets | $182,914,000 | 3,382 |
| Average earning assets | $156,277,500 | 3,566 |
| Average equity | $16,986,750 | 3,639 |
| Average total loans | $109,024,500 | 3,622 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6046% | 6,448 |
| Cost of funding earning assets | 1.0655% | 5,843 |
| Net interest margin | 3.5391% | 5,097 |
| Noninterest income to average assets | 5.1567% | 138 |
| Noninterest expense to average assets | 9.0094% | 98 |
| Loan and lease loss provision to assets | 1.7215% | 728 |
| Net operating income to assets | -1.4560% | 7,137 |
| Return on assets (ROA) | -1.4560% | 7,149 |
| Pretax return on assets | -2.5486% | 7,378 |
| Return on Equity (ROE) | -15.6638% | 7,162 |
| Retained earnings to average equity (ytd only) | -15.6638% | 7,124 |
| Net charge-offs to loans | 2.6391% | 629 |
| Credit loss provision to net charge-offs | 107.7188% | 3,782 |
| Earnings coverage of net charge-offs (x) | -0.5176% | 6,021 |
| Efficiency ratio | 110.1090% | 546 |
| Assets per employee ($millions) | 1.1613% | 7,756 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2616% | 666 |
| Loan loss allowance to noncurrent loans | 27.7338% | 6,508 |
| Noncurrent assets plus other real estate owned to assets | 12.4070% | 251 |
| Noncurrent loans to loans | 11.7603% | 307 |
| Net loans and leases to total assets | 56.3789% | 5,642 |
| Net loans and leases to deposits | 65.6979% | 5,845 |
| Net loans and leases to core deposits | 66.6281% | 6,194 |
| Total domestic deposits to total assets | 85.8154% | 3,194 |
| Equity capital to assets | 9.0423% | 5,378 |
| Core capital (leverage) ratio | 7.9579% | 6,318 |
| Tier 1 risk-based capital ratio | 11.8468% | 5,451 |
| Total risk-based capital ratio | 13.1239% | 5,394 |
| Memoranda: | ||
| Average total assets | $181,589,000 | 3,421 |
| Average earning assets | $155,236,330 | 3,613 |
| Average equity | $16,879,670 | 3,652 |
| Average total loans | $109,961,330 | 3,636 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5081% | 6,775 |
| Cost of funding earning assets | 1.0798% | 5,992 |
| Net interest margin | 3.4283% | 5,469 |
| Noninterest income to average assets | 3.9367% | 169 |
| Noninterest expense to average assets | 9.2598% | 87 |
| Loan and lease loss provision to assets | 1.4760% | 795 |
| Net operating income to assets | -2.3934% | 7,534 |
| Return on assets (ROA) | -2.3934% | 7,541 |
| Pretax return on assets | -3.8650% | 7,679 |
| Return on Equity (ROE) | -25.3836% | 7,503 |
| Retained earnings to average equity (ytd only) | -25.3836% | 7,464 |
| Net charge-offs to loans | 1.7254% | 1,005 |
| Credit loss provision to net charge-offs | 138.5263% | 2,553 |
| Earnings coverage of net charge-offs (x) | -2.2421% | 5,487 |
| Efficiency ratio | 134.7698% | 292 |
| Assets per employee ($millions) | 1.5424% | 7,813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3408% | 611 |
| Loan loss allowance to noncurrent loans | 34.7168% | 6,070 |
| Noncurrent assets plus other real estate owned to assets | 11.9053% | 266 |
| Noncurrent loans to loans | 9.6230% | 453 |
| Net loans and leases to total assets | 58.4703% | 5,358 |
| Net loans and leases to deposits | 66.4402% | 5,775 |
| Net loans and leases to core deposits | 66.8396% | 6,224 |
| Total domestic deposits to total assets | 88.0044% | 2,053 |
| Equity capital to assets | 9.3552% | 4,752 |
| Core capital (leverage) ratio | 8.1165% | 6,042 |
| Tier 1 risk-based capital ratio | 11.8425% | 5,357 |
| Total risk-based capital ratio | 13.1205% | 5,276 |
| Memoranda: | ||
| Average total assets | $178,320,000 | 3,517 |
| Average earning assets | $152,614,000 | 3,713 |
| Average equity | $16,814,000 | 3,693 |
| Average total loans | $110,122,000 | 3,680 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3482% | 937 |
| Cost of funding earning assets | 1.1814% | 6,726 |
| Net interest margin | 5.1669% | 317 |
| Noninterest income to average assets | 2.9803% | 230 |
| Noninterest expense to average assets | 7.4789% | 173 |
| Loan and lease loss provision to assets | 2.5598% | 769 |
| Net operating income to assets | -1.5736% | 6,896 |
| Return on assets (ROA) | -1.4005% | 6,818 |
| Pretax return on assets | -2.1714% | 7,005 |
| Return on Equity (ROE) | -15.7140% | 6,970 |
| Retained earnings to average equity (ytd only) | -15.7140% | 6,922 |
| Net charge-offs to loans | 2.9639% | 721 |
| Credit loss provision to net charge-offs | 127.4892% | 4,062 |
| Earnings coverage of net charge-offs (x) | 0.0587% | 6,112 |
| Efficiency ratio | 98.4482% | 1,183 |
| Assets per employee ($millions) | 1.5058% | 7,897 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1185% | 699 |
| Loan loss allowance to noncurrent loans | 24.8333% | 6,810 |
| Noncurrent assets plus other real estate owned to assets | 12.5745% | 226 |
| Noncurrent loans to loans | 12.5578% | 260 |
| Net loans and leases to total assets | 61.0839% | 5,179 |
| Net loans and leases to deposits | 68.9833% | 5,728 |
| Net loans and leases to core deposits | 71.5833% | 6,686 |
| Total domestic deposits to total assets | 88.5488% | 1,702 |
| Equity capital to assets | 9.5048% | 4,408 |
| Core capital (leverage) ratio | 8.3266% | 5,565 |
| Tier 1 risk-based capital ratio | 11.7050% | 5,191 |
| Total risk-based capital ratio | 12.9759% | 5,137 |
| Memoranda: | ||
| Average total assets | $184,078,200 | 3,362 |
| Average earning assets | $164,471,400 | 3,434 |
| Average equity | $16,405,800 | 3,804 |
| Average total loans | $124,698,800 | 3,385 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2443% | 1,255 |
| Cost of funding earning assets | 1.2066% | 6,867 |
| Net interest margin | 5.0376% | 411 |
| Noninterest income to average assets | 2.6974% | 247 |
| Noninterest expense to average assets | 7.0107% | 202 |
| Loan and lease loss provision to assets | 3.2334% | 428 |
| Net operating income to assets | -1.9991% | 7,316 |
| Return on assets (ROA) | -1.7636% | 7,220 |
| Pretax return on assets | -2.6572% | 7,405 |
| Return on Equity (ROE) | -20.1045% | 7,373 |
| Retained earnings to average equity (ytd only) | -20.1045% | 7,339 |
| Net charge-offs to loans | 3.4086% | 442 |
| Credit loss provision to net charge-offs | 137.7710% | 3,592 |
| Earnings coverage of net charge-offs (x) | 0.0934% | 5,951 |
| Efficiency ratio | 96.9670% | 1,211 |
| Assets per employee ($millions) | 1.5752% | 7,972 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0764% | 630 |
| Loan loss allowance to noncurrent loans | 23.6400% | 6,868 |
| Noncurrent assets plus other real estate owned to assets | 10.8177% | 291 |
| Noncurrent loans to loans | 13.0138% | 225 |
| Net loans and leases to total assets | 63.5349% | 4,966 |
| Net loans and leases to deposits | 71.6916% | 5,698 |
| Net loans and leases to core deposits | 74.3809% | 6,708 |
| Total domestic deposits to total assets | 88.6224% | 1,379 |
| Equity capital to assets | 8.8662% | 5,682 |
| Core capital (leverage) ratio | 7.8354% | 6,571 |
| Tier 1 risk-based capital ratio | 10.8902% | 6,063 |
| Total risk-based capital ratio | 12.1605% | 6,001 |
| Memoranda: | ||
| Average total assets | $186,054,250 | 3,369 |
| Average earning assets | $167,402,250 | 3,416 |
| Average equity | $16,321,000 | 3,849 |
| Average total loans | $128,104,000 | 3,338 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2359% | 1,368 |
| Cost of funding earning assets | 1.2422% | 6,987 |
| Net interest margin | 4.9937% | 432 |
| Noninterest income to average assets | 2.5678% | 255 |
| Noninterest expense to average assets | 6.4425% | 272 |
| Loan and lease loss provision to assets | 2.3285% | 684 |
| Net operating income to assets | -1.6969% | 7,322 |
| Return on assets (ROA) | -1.2428% | 7,144 |
| Pretax return on assets | -1.2428% | 6,964 |
| Return on Equity (ROE) | -14.2167% | 7,292 |
| Retained earnings to average equity (ytd only) | -14.2167% | 7,194 |
| Net charge-offs to loans | 2.5535% | 674 |
| Credit loss provision to net charge-offs | 130.4010% | 3,572 |
| Earnings coverage of net charge-offs (x) | 0.3537% | 5,332 |
| Efficiency ratio | 91.0725% | 1,726 |
| Assets per employee ($millions) | 1.7960% | 7,970 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2212% | 1,206 |
| Loan loss allowance to noncurrent loans | 15.8081% | 7,341 |
| Noncurrent assets plus other real estate owned to assets | 10.1043% | 286 |
| Noncurrent loans to loans | 14.0509% | 158 |
| Net loans and leases to total assets | 68.3299% | 4,097 |
| Net loans and leases to deposits | 77.0287% | 5,023 |
| Net loans and leases to core deposits | 81.5010% | 6,282 |
| Total domestic deposits to total assets | 88.7070% | 1,430 |
| Equity capital to assets | 9.1131% | 5,149 |
| Core capital (leverage) ratio | 9.0395% | 4,568 |
| Tier 1 risk-based capital ratio | 12.0532% | 4,874 |
| Total risk-based capital ratio | 13.3152% | 4,778 |
| Memoranda: | ||
| Average total assets | $187,163,000 | 3,372 |
| Average earning assets | $168,892,000 | 3,411 |
| Average equity | $16,361,000 | 3,842 |
| Average total loans | $130,878,330 | 3,321 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0978% | 1,952 |
| Cost of funding earning assets | 1.2820% | 7,073 |
| Net interest margin | 4.8158% | 585 |
| Noninterest income to average assets | 2.3691% | 270 |
| Noninterest expense to average assets | 6.2083% | 270 |
| Loan and lease loss provision to assets | 2.0738% | 576 |
| Net operating income to assets | -1.5564% | 7,522 |
| Return on assets (ROA) | -1.1727% | 7,359 |
| Pretax return on assets | -1.1727% | 7,241 |
| Return on Equity (ROE) | -13.7140% | 7,552 |
| Retained earnings to average equity (ytd only) | -13.7140% | 7,365 |
| Net charge-offs to loans | 1.2727% | 1,103 |
| Credit loss provision to net charge-offs | 232.9298% | 1,974 |
| Earnings coverage of net charge-offs (x) | 0.5811% | 4,529 |
| Efficiency ratio | 92.3077% | 1,544 |
| Assets per employee ($millions) | 2.0158% | 7,882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2640% | 994 |
| Loan loss allowance to noncurrent loans | 50.3613% | 5,173 |
| Noncurrent assets plus other real estate owned to assets | 3.1559% | 1,774 |
| Noncurrent loans to loans | 4.4955% | 1,276 |
| Net loans and leases to total assets | 68.2800% | 4,070 |
| Net loans and leases to deposits | 75.6393% | 5,267 |
| Net loans and leases to core deposits | 81.1619% | 6,301 |
| Total domestic deposits to total assets | 90.2705% | 689 |
| Equity capital to assets | 8.4967% | 6,075 |
| Core capital (leverage) ratio | 8.3063% | 5,892 |
| Tier 1 risk-based capital ratio | 10.5297% | 6,366 |
| Total risk-based capital ratio | 11.7909% | 6,263 |
| Memoranda: | ||
| Average total assets | $185,557,000 | 3,418 |
| Average earning assets | $167,863,500 | 3,451 |
| Average equity | $15,867,000 | 3,971 |
| Average total loans | $129,798,500 | 3,366 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8637% | 1,504 |
| Cost of funding earning assets | 1.6056% | 7,437 |
| Net interest margin | 5.2581% | 304 |
| Noninterest income to average assets | 2.0678% | 330 |
| Noninterest expense to average assets | 6.0641% | 394 |
| Loan and lease loss provision to assets | 1.6126% | 811 |
| Net operating income to assets | -0.8557% | 7,167 |
| Return on assets (ROA) | -0.7233% | 6,982 |
| Pretax return on assets | -0.7233% | 6,828 |
| Return on Equity (ROE) | -8.2261% | 7,139 |
| Retained earnings to average equity (ytd only) | -8.2261% | 6,903 |
| Net charge-offs to loans | 2.1728% | 481 |
| Credit loss provision to net charge-offs | 103.7709% | 5,151 |
| Earnings coverage of net charge-offs (x) | 0.4871% | 5,942 |
| Efficiency ratio | 88.9030% | 1,595 |
| Assets per employee ($millions) | 1.7634% | 8,062 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9242% | 1,372 |
| Loan loss allowance to noncurrent loans | 144.3396% | 2,551 |
| Noncurrent assets plus other real estate owned to assets | 0.9497% | 4,454 |
| Noncurrent loans to loans | 1.3331% | 3,848 |
| Net loans and leases to total assets | 68.6959% | 4,323 |
| Net loans and leases to deposits | 76.4444% | 5,538 |
| Net loans and leases to core deposits | 82.4050% | 6,425 |
| Total domestic deposits to total assets | 89.8639% | 708 |
| Equity capital to assets | 8.6077% | 5,927 |
| Core capital (leverage) ratio | 8.3134% | 5,925 |
| Tier 1 risk-based capital ratio | 10.4409% | 6,275 |
| Total risk-based capital ratio | 11.6981% | 6,142 |
| Memoranda: | ||
| Average total assets | $184,298,400 | 3,351 |
| Average earning assets | $166,601,400 | 3,375 |
| Average equity | $16,204,600 | 3,884 |
| Average total loans | $131,814,000 | 3,236 |