Home > Preferred Bank > Performance and Condition Ratios
Preferred Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 1.4303% | 5,243 |
| Cost of funding earning assets | 0.2604% | 4,896 |
| Net interest margin | 1.1698% | 5,236 |
| Noninterest income to average assets | 0.0333% | 5,144 |
| Noninterest expense to average assets | 0.8215% | 5,220 |
| Loan and lease loss provision to assets | 0.0274% | 3,356 |
| Net operating income to assets | 0.3004% | 4,843 |
| Return on assets (ROA) | 0.3004% | 4,863 |
| Pretax return on assets | 0.3004% | 4,905 |
| Return on Equity (ROE) | 2.1041% | 4,886 |
| Retained earnings to average equity (ytd only) | -55.3671% | 5,245 |
| Net charge-offs to loans | -0.0031% | 4,109 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,490 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0202% | 2,255 |
| Assets per employee ($millions) | 7.7106% | 767 |
| Cash dividends to net income (ytd only)* | 2,731.4258% | 1 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.0375% | 5,195 |
| Loan loss allowance to noncurrent loans | 3.6073% | 4,686 |
| Noncurrent assets plus other real estate owned to assets | 0.5100% | 2,485 |
| Noncurrent loans to loans | 1.0386% | 1,545 |
| Net loans and leases to total assets | 49.0891% | 4,476 |
| Net loans and leases to deposits | 55.9335% | 4,555 |
| Net loans and leases to core deposits | 58.5418% | 4,584 |
| Total domestic deposits to total assets | 87.7635% | 1,141 |
| Equity capital to assets | 11.3658% | 2,780 |
| Core capital (leverage) ratio | 8.2696% | 5,043 |
| Tier 1 risk-based capital ratio | 16.5823% | 2,237 |
| Total risk-based capital ratio | 16.6235% | 2,615 |
| Memoranda: | ||
| Average total assets | $292,451,500 | 2,218 |
| Average earning assets | $279,010,750 | 2,167 |
| Average equity | $41,759,000 | 1,865 |
| Average total loans | $171,129,250 | 2,433 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2835% | 3,680 |
| Cost of funding earning assets | 0.4674% | 4,254 |
| Net interest margin | 3.8161% | 2,534 |
| Noninterest income to average assets | 0.1303% | 4,926 |
| Noninterest expense to average assets | 4.2310% | 395 |
| Loan and lease loss provision to assets | -0.0401% | 5,161 |
| Net operating income to assets | -0.5991% | 5,196 |
| Return on assets (ROA) | -0.5991% | 5,203 |
| Pretax return on assets | -0.3844% | 5,179 |
| Return on Equity (ROE) | -3.8824% | 5,193 |
| Retained earnings to average equity (ytd only) | -3.8824% | 5,010 |
| Net charge-offs to loans | -0.0679% | 4,910 |
| Credit loss provision to net charge-offs | 94.9153% | 2,077 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 111.1508% | 97 |
| Assets per employee ($millions) | 6.6869% | 1,140 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0313% | 3,437 |
| Loan loss allowance to noncurrent loans | 50.1823% | 4,192 |
| Noncurrent assets plus other real estate owned to assets | 1.2398% | 1,054 |
| Noncurrent loans to loans | 2.0551% | 682 |
| Net loans and leases to total assets | 59.7082% | 3,765 |
| Net loans and leases to deposits | 70.9242% | 3,771 |
| Net loans and leases to core deposits | 75.0116% | 3,816 |
| Total domestic deposits to total assets | 84.1859% | 2,784 |
| Equity capital to assets | 14.7318% | 880 |
| Core capital (leverage) ratio | 16.5974% | 475 |
| Tier 1 risk-based capital ratio | 28.0141% | 566 |
| Total risk-based capital ratio | 29.1973% | 553 |
| Memoranda: | ||
| Average total assets | $279,416,670 | 2,301 |
| Average earning assets | $269,174,330 | 2,236 |
| Average equity | $43,117,330 | 1,827 |
| Average total loans | $173,899,330 | 2,418 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2046% | 3,846 |
| Cost of funding earning assets | 0.4372% | 4,339 |
| Net interest margin | 3.7674% | 2,641 |
| Noninterest income to average assets | 0.1031% | 5,066 |
| Noninterest expense to average assets | 2.6453% | 3,065 |
| Loan and lease loss provision to assets | 0.0000% | 3,406 |
| Net operating income to assets | 0.8730% | 3,336 |
| Return on assets (ROA) | 0.8730% | 3,384 |
| Pretax return on assets | 1.0880% | 3,184 |
| Return on Equity (ROE) | 5.5250% | 4,183 |
| Retained earnings to average equity (ytd only) | 5.5250% | 2,688 |
| Net charge-offs to loans | -0.0023% | 3,877 |
| Credit loss provision to net charge-offs | 0.0000% | 2,210 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8560% | 2,210 |
| Assets per employee ($millions) | 6.2415% | 1,379 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0132% | 3,611 |
| Loan loss allowance to noncurrent loans | 169.4787% | 2,448 |
| Noncurrent assets plus other real estate owned to assets | 0.6528% | 2,141 |
| Noncurrent loans to loans | 0.5979% | 2,545 |
| Net loans and leases to total assets | 65.0844% | 3,163 |
| Net loans and leases to deposits | 78.2444% | 3,036 |
| Net loans and leases to core deposits | 83.0359% | 3,107 |
| Total domestic deposits to total assets | 83.1808% | 3,318 |
| Equity capital to assets | 16.3244% | 528 |
| Core capital (leverage) ratio | 17.5542% | 365 |
| Tier 1 risk-based capital ratio | 27.8408% | 571 |
| Total risk-based capital ratio | 28.9770% | 566 |
| Memoranda: | ||
| Average total assets | $275,357,500 | 2,338 |
| Average earning assets | $265,331,500 | 2,279 |
| Average equity | $43,511,500 | 1,798 |
| Average total loans | $174,113,500 | 2,434 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9722% | 4,103 |
| Cost of funding earning assets | 0.3478% | 4,292 |
| Net interest margin | 3.6244% | 3,300 |
| Noninterest income to average assets | 0.2261% | 4,565 |
| Noninterest expense to average assets | 2.3796% | 3,938 |
| Loan and lease loss provision to assets | -0.0890% | 5,251 |
| Net operating income to assets | 1.1399% | 2,432 |
| Return on assets (ROA) | 1.1399% | 2,435 |
| Pretax return on assets | 1.4241% | 2,061 |
| Return on Equity (ROE) | 7.7137% | 3,569 |
| Retained earnings to average equity (ytd only) | 7.7113% | 1,371 |
| Net charge-offs to loans | -0.1482% | 5,224 |
| Credit loss provision to net charge-offs | 103.3058% | 2,453 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.0591% | 3,185 |
| Assets per employee ($millions) | 6.4166% | 1,254 |
| Cash dividends to net income (ytd only)* | 0.0312% | 4,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0398% | 3,448 |
| Loan loss allowance to noncurrent loans | 95.3550% | 3,500 |
| Noncurrent assets plus other real estate owned to assets | 0.6634% | 2,065 |
| Noncurrent loans to loans | 1.0905% | 1,496 |
| Net loans and leases to total assets | 60.2049% | 3,752 |
| Net loans and leases to deposits | 71.4495% | 3,714 |
| Net loans and leases to core deposits | 75.3518% | 3,763 |
| Total domestic deposits to total assets | 84.2621% | 2,918 |
| Equity capital to assets | 15.3051% | 641 |
| Core capital (leverage) ratio | 16.4432% | 464 |
| Tier 1 risk-based capital ratio | 27.0966% | 610 |
| Total risk-based capital ratio | 28.2166% | 608 |
| Memoranda: | ||
| Average total assets | $280,808,400 | 2,265 |
| Average earning assets | $270,280,800 | 2,193 |
| Average equity | $41,497,800 | 1,797 |
| Average total loans | $163,267,200 | 2,494 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9556% | 4,060 |
| Cost of funding earning assets | 0.3401% | 4,246 |
| Net interest margin | 3.6156% | 3,317 |
| Noninterest income to average assets | 0.1094% | 5,175 |
| Noninterest expense to average assets | 2.3445% | 3,986 |
| Loan and lease loss provision to assets | -0.0238% | 5,247 |
| Net operating income to assets | 1.0132% | 3,029 |
| Return on assets (ROA) | 1.0132% | 3,038 |
| Pretax return on assets | 1.2666% | 2,735 |
| Return on Equity (ROE) | 6.9182% | 3,962 |
| Retained earnings to average equity (ytd only) | 6.9149% | 2,172 |
| Net charge-offs to loans | -0.0381% | 4,832 |
| Credit loss provision to net charge-offs | 108.6957% | 2,129 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 65.3545% | 2,978 |
| Assets per employee ($millions) | 6.1516% | 1,382 |
| Cash dividends to net income (ytd only)* | 0.0468% | 3,597 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1048% | 3,163 |
| Loan loss allowance to noncurrent loans | 123.3632% | 3,100 |
| Noncurrent assets plus other real estate owned to assets | 0.5361% | 2,591 |
| Noncurrent loans to loans | 0.8955% | 1,907 |
| Net loans and leases to total assets | 59.1988% | 3,933 |
| Net loans and leases to deposits | 70.5224% | 3,878 |
| Net loans and leases to core deposits | 74.4668% | 3,914 |
| Total domestic deposits to total assets | 83.9432% | 2,964 |
| Equity capital to assets | 15.5691% | 604 |
| Core capital (leverage) ratio | 15.9168% | 528 |
| Tier 1 risk-based capital ratio | 27.4227% | 600 |
| Total risk-based capital ratio | 28.5875% | 599 |
| Memoranda: | ||
| Average total assets | $280,427,750 | 2,279 |
| Average earning assets | $269,753,500 | 2,212 |
| Average equity | $41,069,500 | 1,819 |
| Average total loans | $161,143,250 | 2,523 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8087% | 4,325 |
| Cost of funding earning assets | 0.3365% | 4,157 |
| Net interest margin | 3.4723% | 3,727 |
| Noninterest income to average assets | 0.0973% | 5,278 |
| Noninterest expense to average assets | 2.2166% | 4,333 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 0.9821% | 3,099 |
| Return on assets (ROA) | 0.9821% | 3,104 |
| Pretax return on assets | 1.2274% | 2,838 |
| Return on Equity (ROE) | 6.8431% | 3,944 |
| Retained earnings to average equity (ytd only) | 6.8431% | 2,145 |
| Net charge-offs to loans | -0.0124% | 4,386 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3603% | 3,272 |
| Assets per employee ($millions) | 6.8344% | 1,003 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1076% | 3,215 |
| Loan loss allowance to noncurrent loans | 83.8290% | 3,768 |
| Noncurrent assets plus other real estate owned to assets | 0.7323% | 2,042 |
| Noncurrent loans to loans | 1.3213% | 1,292 |
| Net loans and leases to total assets | 54.8072% | 4,266 |
| Net loans and leases to deposits | 64.1067% | 4,275 |
| Net loans and leases to core deposits | 67.3654% | 4,291 |
| Total domestic deposits to total assets | 85.4938% | 2,499 |
| Equity capital to assets | 14.0887% | 909 |
| Core capital (leverage) ratio | 15.6000% | 554 |
| Tier 1 risk-based capital ratio | 26.9392% | 613 |
| Total risk-based capital ratio | 28.1130% | 609 |
| Memoranda: | ||
| Average total assets | $283,680,000 | 2,261 |
| Average earning assets | $273,424,000 | 2,198 |
| Average equity | $40,712,330 | 1,833 |
| Average total loans | $160,849,670 | 2,542 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8740% | 4,005 |
| Cost of funding earning assets | 0.3411% | 4,052 |
| Net interest margin | 3.5330% | 3,417 |
| Noninterest income to average assets | 0.0962% | 5,343 |
| Noninterest expense to average assets | 2.2256% | 4,356 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.0209% | 2,774 |
| Return on assets (ROA) | 1.0209% | 2,796 |
| Pretax return on assets | 1.2765% | 2,450 |
| Return on Equity (ROE) | 7.0454% | 3,769 |
| Retained earnings to average equity (ytd only) | 7.0454% | 2,261 |
| Net charge-offs to loans | -0.0100% | 4,249 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.5506% | 3,551 |
| Assets per employee ($millions) | 6.4903% | 1,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1095% | 3,315 |
| Loan loss allowance to noncurrent loans | 120.0267% | 3,125 |
| Noncurrent assets plus other real estate owned to assets | 0.5629% | 2,641 |
| Noncurrent loans to loans | 0.9244% | 1,967 |
| Net loans and leases to total assets | 60.2223% | 3,734 |
| Net loans and leases to deposits | 71.6956% | 3,643 |
| Net loans and leases to core deposits | 75.8082% | 3,685 |
| Total domestic deposits to total assets | 83.9972% | 3,328 |
| Equity capital to assets | 15.3030% | 602 |
| Core capital (leverage) ratio | 15.5478% | 547 |
| Tier 1 risk-based capital ratio | 26.5648% | 640 |
| Total risk-based capital ratio | 27.7377% | 639 |
| Memoranda: | ||
| Average total assets | $278,579,500 | 2,311 |
| Average earning assets | $268,556,500 | 2,243 |
| Average equity | $40,366,500 | 1,856 |
| Average total loans | $159,838,500 | 2,568 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9261% | 3,642 |
| Cost of funding earning assets | 0.2924% | 4,208 |
| Net interest margin | 3.6337% | 3,049 |
| Noninterest income to average assets | 0.1023% | 5,406 |
| Noninterest expense to average assets | 2.5662% | 3,559 |
| Loan and lease loss provision to assets | 0.0244% | 3,809 |
| Net operating income to assets | 0.7753% | 3,272 |
| Return on assets (ROA) | 0.7747% | 3,318 |
| Pretax return on assets | 1.0041% | 3,550 |
| Return on Equity (ROE) | 5.3123% | 4,036 |
| Retained earnings to average equity (ytd only) | 5.3123% | 1,921 |
| Net charge-offs to loans | 0.0545% | 2,717 |
| Credit loss provision to net charge-offs | 74.7126% | 3,020 |
| Earnings coverage of net charge-offs (x) | 31.5632% | 1,498 |
| Efficiency ratio | 71.3750% | 2,323 |
| Assets per employee ($millions) | 7.0989% | 931 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1381% | 3,128 |
| Loan loss allowance to noncurrent loans | 116.4935% | 3,255 |
| Noncurrent assets plus other real estate owned to assets | 0.5291% | 2,789 |
| Noncurrent loans to loans | 0.9770% | 1,813 |
| Net loans and leases to total assets | 53.5401% | 4,398 |
| Net loans and leases to deposits | 62.5425% | 4,407 |
| Net loans and leases to core deposits | 65.9326% | 4,418 |
| Total domestic deposits to total assets | 85.6058% | 2,614 |
| Equity capital to assets | 13.7469% | 973 |
| Core capital (leverage) ratio | 16.0651% | 468 |
| Tier 1 risk-based capital ratio | 26.0217% | 664 |
| Total risk-based capital ratio | 27.1885% | 656 |
| Memoranda: | ||
| Average total assets | $266,819,000 | 2,363 |
| Average earning assets | $256,486,000 | 2,308 |
| Average equity | $38,910,000 | 1,900 |
| Average total loans | $159,748,400 | 2,551 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0194% | 3,281 |
| Cost of funding earning assets | 0.2780% | 4,341 |
| Net interest margin | 3.7415% | 2,610 |
| Noninterest income to average assets | 0.1074% | 5,451 |
| Noninterest expense to average assets | 2.5704% | 3,498 |
| Loan and lease loss provision to assets | 0.0332% | 3,458 |
| Net operating income to assets | 0.7358% | 3,790 |
| Return on assets (ROA) | 0.7358% | 3,867 |
| Pretax return on assets | 1.0963% | 3,316 |
| Return on Equity (ROE) | 4.9660% | 4,540 |
| Retained earnings to average equity (ytd only) | 4.9626% | 2,914 |
| Net charge-offs to loans | -0.0008% | 4,260 |
| Credit loss provision to net charge-offs | -6,500.0000% | 5,191 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.4721% | 2,627 |
| Assets per employee ($millions) | 6.3860% | 1,258 |
| Cash dividends to net income (ytd only)* | 0.0693% | 3,678 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1600% | 3,146 |
| Loan loss allowance to noncurrent loans | 122.3667% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.5734% | 2,805 |
| Noncurrent loans to loans | 0.9480% | 2,025 |
| Net loans and leases to total assets | 59.7865% | 3,890 |
| Net loans and leases to deposits | 70.6212% | 3,909 |
| Net loans and leases to core deposits | 75.3483% | 3,860 |
| Total domestic deposits to total assets | 84.6580% | 2,858 |
| Equity capital to assets | 14.6828% | 810 |
| Core capital (leverage) ratio | 16.1859% | 467 |
| Tier 1 risk-based capital ratio | 25.3538% | 716 |
| Total risk-based capital ratio | 26.5654% | 710 |
| Memoranda: | ||
| Average total assets | $260,760,000 | 2,421 |
| Average earning assets | $250,377,750 | 2,367 |
| Average equity | $38,634,750 | 1,924 |
| Average total loans | $160,279,250 | 2,562 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0087% | 3,175 |
| Cost of funding earning assets | 0.2551% | 4,497 |
| Net interest margin | 3.7535% | 2,459 |
| Noninterest income to average assets | 0.1100% | 5,480 |
| Noninterest expense to average assets | 2.5918% | 3,458 |
| Loan and lease loss provision to assets | 0.0503% | 2,981 |
| Net operating income to assets | 0.7116% | 3,789 |
| Return on assets (ROA) | 0.7116% | 3,859 |
| Pretax return on assets | 1.0678% | 3,305 |
| Return on Equity (ROE) | 4.7882% | 4,569 |
| Retained earnings to average equity (ytd only) | 4.7882% | 2,855 |
| Net charge-offs to loans | -0.0013% | 4,149 |
| Credit loss provision to net charge-offs | -6,500.0000% | 5,100 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.8602% | 2,692 |
| Assets per employee ($millions) | 6.5071% | 1,151 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1123% | 3,514 |
| Loan loss allowance to noncurrent loans | 66.2909% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 1.0146% | 1,724 |
| Noncurrent loans to loans | 1.6780% | 1,086 |
| Net loans and leases to total assets | 59.7950% | 3,865 |
| Net loans and leases to deposits | 69.9489% | 3,918 |
| Net loans and leases to core deposits | 72.7134% | 4,041 |
| Total domestic deposits to total assets | 85.4839% | 2,620 |
| Equity capital to assets | 13.8893% | 1,004 |
| Core capital (leverage) ratio | 16.3807% | 432 |
| Tier 1 risk-based capital ratio | 24.0918% | 844 |
| Total risk-based capital ratio | 25.2585% | 829 |
| Memoranda: | ||
| Average total assets | $258,276,330 | 2,452 |
| Average earning assets | $247,712,670 | 2,395 |
| Average equity | $38,386,000 | 1,935 |
| Average total loans | $159,627,000 | 2,570 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8584% | 3,555 |
| Cost of funding earning assets | 0.2361% | 4,671 |
| Net interest margin | 3.6223% | 2,811 |
| Noninterest income to average assets | 0.1164% | 5,525 |
| Noninterest expense to average assets | 2.5906% | 3,531 |
| Loan and lease loss provision to assets | 0.0242% | 3,261 |
| Net operating income to assets | 0.6594% | 3,886 |
| Return on assets (ROA) | 0.6594% | 3,926 |
| Pretax return on assets | 0.9729% | 3,487 |
| Return on Equity (ROE) | 4.2781% | 4,679 |
| Retained earnings to average equity (ytd only) | 4.2781% | 3,298 |
| Net charge-offs to loans | -0.0026% | 4,037 |
| Credit loss provision to net charge-offs | -1,500.0000% | 4,497 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.2072% | 2,534 |
| Assets per employee ($millions) | 5.9503% | 1,543 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1673% | 3,318 |
| Loan loss allowance to noncurrent loans | 66.6909% | 4,275 |
| Noncurrent assets plus other real estate owned to assets | 1.0736% | 1,672 |
| Noncurrent loans to loans | 1.7503% | 1,085 |
| Net loans and leases to total assets | 60.6228% | 3,715 |
| Net loans and leases to deposits | 71.8145% | 3,623 |
| Net loans and leases to core deposits | 75.0313% | 3,740 |
| Total domestic deposits to total assets | 84.4158% | 3,326 |
| Equity capital to assets | 14.9894% | 658 |
| Core capital (leverage) ratio | 17.0024% | 362 |
| Tier 1 risk-based capital ratio | 25.3768% | 743 |
| Total risk-based capital ratio | 26.5890% | 726 |
| Memoranda: | ||
| Average total assets | $247,511,500 | 2,561 |
| Average earning assets | $237,194,500 | 2,490 |
| Average equity | $38,147,500 | 1,954 |
| Average total loans | $154,844,500 | 2,639 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8061% | 3,894 |
| Cost of funding earning assets | 0.2131% | 4,899 |
| Net interest margin | 3.5929% | 3,090 |
| Noninterest income to average assets | 0.3564% | 4,190 |
| Noninterest expense to average assets | 2.7619% | 3,151 |
| Loan and lease loss provision to assets | -0.1419% | 5,738 |
| Net operating income to assets | 0.8095% | 3,260 |
| Return on assets (ROA) | 0.8095% | 3,369 |
| Pretax return on assets | 1.1875% | 2,727 |
| Return on Equity (ROE) | 5.3567% | 4,250 |
| Retained earnings to average equity (ytd only) | 5.3567% | 2,101 |
| Net charge-offs to loans | -0.3257% | 5,801 |
| Credit loss provision to net charge-offs | 74.0426% | 3,069 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.5394% | 2,497 |
| Assets per employee ($millions) | 5.5620% | 1,818 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1889% | 3,185 |
| Loan loss allowance to noncurrent loans | 71.8639% | 4,184 |
| Noncurrent assets plus other real estate owned to assets | 1.0566% | 1,785 |
| Noncurrent loans to loans | 1.6544% | 1,173 |
| Net loans and leases to total assets | 63.1070% | 3,467 |
| Net loans and leases to deposits | 75.4610% | 3,371 |
| Net loans and leases to core deposits | 78.9925% | 3,480 |
| Total domestic deposits to total assets | 83.6286% | 3,560 |
| Equity capital to assets | 15.8634% | 513 |
| Core capital (leverage) ratio | 16.3208% | 421 |
| Tier 1 risk-based capital ratio | 25.1257% | 761 |
| Total risk-based capital ratio | 26.3283% | 750 |
| Memoranda: | ||
| Average total assets | $245,227,200 | 2,548 |
| Average earning assets | $235,544,800 | 2,476 |
| Average equity | $37,056,400 | 1,974 |
| Average total loans | $144,294,000 | 2,723 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7739% | 4,004 |
| Cost of funding earning assets | 0.2109% | 4,970 |
| Net interest margin | 3.5630% | 3,220 |
| Noninterest income to average assets | 0.4242% | 3,736 |
| Noninterest expense to average assets | 2.7196% | 3,296 |
| Loan and lease loss provision to assets | -0.1502% | 5,839 |
| Net operating income to assets | 0.8684% | 3,054 |
| Return on assets (ROA) | 0.8684% | 3,180 |
| Pretax return on assets | 1.2785% | 2,511 |
| Return on Equity (ROE) | 5.8167% | 4,162 |
| Retained earnings to average equity (ytd only) | 5.8167% | 2,293 |
| Net charge-offs to loans | -0.3676% | 5,857 |
| Credit loss provision to net charge-offs | 70.9184% | 2,775 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.6783% | 2,796 |
| Assets per employee ($millions) | 5.8122% | 1,572 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2334% | 3,041 |
| Loan loss allowance to noncurrent loans | 72.1181% | 4,218 |
| Noncurrent assets plus other real estate owned to assets | 1.0270% | 2,011 |
| Noncurrent loans to loans | 1.7103% | 1,226 |
| Net loans and leases to total assets | 59.3059% | 3,968 |
| Net loans and leases to deposits | 70.4983% | 3,937 |
| Net loans and leases to core deposits | 73.5521% | 4,034 |
| Total domestic deposits to total assets | 84.1238% | 3,175 |
| Equity capital to assets | 15.3875% | 651 |
| Core capital (leverage) ratio | 16.1463% | 452 |
| Tier 1 risk-based capital ratio | 25.6680% | 747 |
| Total risk-based capital ratio | 26.9034% | 730 |
| Memoranda: | ||
| Average total assets | $246,742,250 | 2,545 |
| Average earning assets | $237,096,000 | 2,463 |
| Average equity | $36,835,500 | 1,997 |
| Average total loans | $142,180,750 | 2,752 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7459% | 4,138 |
| Cost of funding earning assets | 0.2046% | 5,097 |
| Net interest margin | 3.5413% | 3,322 |
| Noninterest income to average assets | 0.5613% | 2,844 |
| Noninterest expense to average assets | 2.7357% | 3,249 |
| Loan and lease loss provision to assets | -0.2245% | 5,944 |
| Net operating income to assets | 0.9894% | 2,437 |
| Return on assets (ROA) | 0.9894% | 2,579 |
| Pretax return on assets | 1.4611% | 1,805 |
| Return on Equity (ROE) | 6.6953% | 3,699 |
| Retained earnings to average equity (ytd only) | 6.6953% | 1,764 |
| Net charge-offs to loans | -0.5557% | 5,953 |
| Credit loss provision to net charge-offs | 71.0997% | 2,470 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.8695% | 3,178 |
| Assets per employee ($millions) | 6.0480% | 1,365 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2549% | 3,045 |
| Loan loss allowance to noncurrent loans | 64.4666% | 4,471 |
| Noncurrent assets plus other real estate owned to assets | 1.1035% | 1,918 |
| Noncurrent loans to loans | 1.9466% | 1,028 |
| Net loans and leases to total assets | 55.9776% | 4,314 |
| Net loans and leases to deposits | 65.9198% | 4,355 |
| Net loans and leases to core deposits | 68.5962% | 4,429 |
| Total domestic deposits to total assets | 84.9178% | 2,914 |
| Equity capital to assets | 14.6374% | 834 |
| Core capital (leverage) ratio | 15.8729% | 482 |
| Tier 1 risk-based capital ratio | 25.3788% | 781 |
| Total risk-based capital ratio | 26.6122% | 764 |
| Memoranda: | ||
| Average total assets | $247,618,330 | 2,553 |
| Average earning assets | $238,498,670 | 2,466 |
| Average equity | $36,593,000 | 2,013 |
| Average total loans | $140,713,670 | 2,777 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7984% | 3,946 |
| Cost of funding earning assets | 0.2026% | 5,177 |
| Net interest margin | 3.5958% | 3,098 |
| Noninterest income to average assets | 1.0114% | 1,051 |
| Noninterest expense to average assets | 2.8050% | 3,045 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.1227% | 1,823 |
| Return on assets (ROA) | 1.1227% | 1,922 |
| Pretax return on assets | 1.6627% | 1,147 |
| Return on Equity (ROE) | 7.5594% | 3,156 |
| Retained earnings to average equity (ytd only) | 7.5594% | 1,638 |
| Net charge-offs to loans | -0.0575% | 5,392 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.7839% | 4,331 |
| Assets per employee ($millions) | 6.0530% | 1,373 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2248% | 3,339 |
| Loan loss allowance to noncurrent loans | 66.7186% | 4,412 |
| Noncurrent assets plus other real estate owned to assets | 1.0352% | 2,141 |
| Noncurrent loans to loans | 1.8357% | 1,209 |
| Net loans and leases to total assets | 55.6999% | 4,287 |
| Net loans and leases to deposits | 65.6998% | 4,286 |
| Net loans and leases to core deposits | 68.2656% | 4,378 |
| Total domestic deposits to total assets | 84.7794% | 3,214 |
| Equity capital to assets | 14.7648% | 754 |
| Core capital (leverage) ratio | 16.0740% | 460 |
| Tier 1 risk-based capital ratio | 25.4997% | 774 |
| Total risk-based capital ratio | 26.6925% | 765 |
| Memoranda: | ||
| Average total assets | $244,420,500 | 2,588 |
| Average earning assets | $234,939,500 | 2,506 |
| Average equity | $36,299,000 | 2,023 |
| Average total loans | $139,071,500 | 2,806 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6928% | 4,386 |
| Cost of funding earning assets | 0.2010% | 5,279 |
| Net interest margin | 3.4918% | 3,555 |
| Noninterest income to average assets | 0.1992% | 5,395 |
| Noninterest expense to average assets | 2.7291% | 3,487 |
| Loan and lease loss provision to assets | -0.0178% | 5,658 |
| Net operating income to assets | 0.5959% | 4,287 |
| Return on assets (ROA) | 0.5959% | 4,397 |
| Pretax return on assets | 0.8480% | 4,032 |
| Return on Equity (ROE) | 4.0872% | 4,901 |
| Retained earnings to average equity (ytd only) | 4.0872% | 3,096 |
| Net charge-offs to loans | -0.0941% | 5,755 |
| Credit loss provision to net charge-offs | 34.1270% | 3,600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6748% | 2,165 |
| Assets per employee ($millions) | 5.5970% | 1,702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2258% | 3,317 |
| Loan loss allowance to noncurrent loans | 67.2489% | 4,454 |
| Noncurrent assets plus other real estate owned to assets | 1.0687% | 2,053 |
| Noncurrent loans to loans | 1.8227% | 1,194 |
| Net loans and leases to total assets | 56.7183% | 4,231 |
| Net loans and leases to deposits | 66.9226% | 4,229 |
| Net loans and leases to core deposits | 68.3912% | 4,413 |
| Total domestic deposits to total assets | 84.7522% | 3,194 |
| Equity capital to assets | 14.9400% | 675 |
| Core capital (leverage) ratio | 15.8591% | 482 |
| Tier 1 risk-based capital ratio | 25.1966% | 802 |
| Total risk-based capital ratio | 26.3837% | 789 |
| Memoranda: | ||
| Average total assets | $241,981,200 | 2,562 |
| Average earning assets | $232,858,000 | 2,482 |
| Average equity | $35,281,200 | 2,024 |
| Average total loans | $133,894,600 | 2,818 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6484% | 4,580 |
| Cost of funding earning assets | 0.2018% | 5,357 |
| Net interest margin | 3.4466% | 3,762 |
| Noninterest income to average assets | 0.2118% | 5,380 |
| Noninterest expense to average assets | 2.6412% | 3,748 |
| Loan and lease loss provision to assets | -0.0237% | 5,855 |
| Net operating income to assets | 0.6388% | 4,190 |
| Return on assets (ROA) | 0.6388% | 4,306 |
| Pretax return on assets | 0.9123% | 3,945 |
| Return on Equity (ROE) | 4.4086% | 4,868 |
| Retained earnings to average equity (ytd only) | 4.4086% | 3,331 |
| Net charge-offs to loans | -0.0974% | 5,775 |
| Credit loss provision to net charge-offs | 44.3299% | 3,113 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8246% | 2,432 |
| Assets per employee ($millions) | 5.8301% | 1,486 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2368% | 3,446 |
| Loan loss allowance to noncurrent loans | 51.9351% | 4,897 |
| Noncurrent assets plus other real estate owned to assets | 1.5265% | 1,469 |
| Noncurrent loans to loans | 2.3815% | 872 |
| Net loans and leases to total assets | 55.5879% | 4,401 |
| Net loans and leases to deposits | 65.6591% | 4,413 |
| Net loans and leases to core deposits | 67.0277% | 4,621 |
| Total domestic deposits to total assets | 84.6613% | 3,147 |
| Equity capital to assets | 14.9241% | 755 |
| Core capital (leverage) ratio | 15.8684% | 506 |
| Tier 1 risk-based capital ratio | 25.7902% | 793 |
| Total risk-based capital ratio | 26.9931% | 778 |
| Memoranda: | ||
| Average total assets | $242,309,000 | 2,578 |
| Average earning assets | $233,265,750 | 2,497 |
| Average equity | $35,112,500 | 2,046 |
| Average total loans | $132,818,750 | 2,859 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6000% | 4,717 |
| Cost of funding earning assets | 0.2020% | 5,419 |
| Net interest margin | 3.3980% | 3,915 |
| Noninterest income to average assets | 0.2350% | 5,275 |
| Noninterest expense to average assets | 2.6007% | 3,905 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6426% | 4,156 |
| Return on assets (ROA) | 0.6426% | 4,264 |
| Pretax return on assets | 0.9096% | 3,919 |
| Return on Equity (ROE) | 4.4781% | 4,825 |
| Retained earnings to average equity (ytd only) | 4.4781% | 3,165 |
| Net charge-offs to loans | -0.0499% | 5,544 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0871% | 2,665 |
| Assets per employee ($millions) | 5.8846% | 1,443 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2508% | 3,503 |
| Loan loss allowance to noncurrent loans | 44.6861% | 5,154 |
| Noncurrent assets plus other real estate owned to assets | 1.4772% | 1,675 |
| Noncurrent loans to loans | 2.7991% | 743 |
| Net loans and leases to total assets | 51.2921% | 4,817 |
| Net loans and leases to deposits | 59.8351% | 4,863 |
| Net loans and leases to core deposits | 61.0054% | 5,007 |
| Total domestic deposits to total assets | 85.7224% | 2,833 |
| Equity capital to assets | 13.9488% | 993 |
| Core capital (leverage) ratio | 15.9992% | 463 |
| Tier 1 risk-based capital ratio | 27.6567% | 668 |
| Total risk-based capital ratio | 28.9080% | 654 |
| Memoranda: | ||
| Average total assets | $243,400,000 | 2,587 |
| Average earning assets | $234,612,000 | 2,502 |
| Average equity | $34,925,330 | 2,059 |
| Average total loans | $132,245,330 | 2,868 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7130% | 4,318 |
| Cost of funding earning assets | 0.2074% | 5,440 |
| Net interest margin | 3.5056% | 3,419 |
| Noninterest income to average assets | 0.2716% | 5,007 |
| Noninterest expense to average assets | 2.5803% | 3,997 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7595% | 3,489 |
| Return on assets (ROA) | 0.7595% | 3,625 |
| Pretax return on assets | 1.0630% | 3,249 |
| Return on Equity (ROE) | 5.2159% | 4,423 |
| Retained earnings to average equity (ytd only) | 5.2159% | 2,940 |
| Net charge-offs to loans | -0.0724% | 5,710 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8237% | 3,348 |
| Assets per employee ($millions) | 6.0020% | 1,399 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2403% | 3,737 |
| Loan loss allowance to noncurrent loans | 60.8939% | 4,693 |
| Noncurrent assets plus other real estate owned to assets | 1.0609% | 2,493 |
| Noncurrent loans to loans | 2.0369% | 1,280 |
| Net loans and leases to total assets | 50.4429% | 4,800 |
| Net loans and leases to deposits | 58.6452% | 4,869 |
| Net loans and leases to core deposits | 59.7842% | 5,005 |
| Total domestic deposits to total assets | 86.0136% | 2,931 |
| Equity capital to assets | 13.5482% | 1,153 |
| Core capital (leverage) ratio | 14.0567% | 806 |
| Tier 1 risk-based capital ratio | 26.8701% | 723 |
| Total risk-based capital ratio | 28.1196% | 709 |
| Memoranda: | ||
| Average total assets | $238,580,500 | 2,645 |
| Average earning assets | $229,462,000 | 2,564 |
| Average equity | $34,740,000 | 2,083 |
| Average total loans | $132,651,500 | 2,868 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2512% | 2,773 |
| Cost of funding earning assets | 0.2555% | 5,266 |
| Net interest margin | 3.9957% | 1,913 |
| Noninterest income to average assets | 0.8979% | 1,506 |
| Noninterest expense to average assets | 3.0597% | 2,654 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 1.1355% | 1,836 |
| Return on assets (ROA) | 1.1348% | 1,903 |
| Pretax return on assets | 1.6765% | 1,036 |
| Return on Equity (ROE) | 7.1832% | 3,531 |
| Retained earnings to average equity (ytd only) | 7.1832% | 1,323 |
| Net charge-offs to loans | -0.0488% | 5,931 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.5896% | 4,483 |
| Assets per employee ($millions) | 5.0948% | 2,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2069% | 3,955 |
| Loan loss allowance to noncurrent loans | 61.6533% | 4,764 |
| Noncurrent assets plus other real estate owned to assets | 1.2169% | 2,343 |
| Noncurrent loans to loans | 1.9576% | 1,434 |
| Net loans and leases to total assets | 60.1945% | 3,764 |
| Net loans and leases to deposits | 71.9204% | 3,689 |
| Net loans and leases to core deposits | 74.0108% | 3,917 |
| Total domestic deposits to total assets | 83.6960% | 3,842 |
| Equity capital to assets | 15.7544% | 569 |
| Core capital (leverage) ratio | 15.7544% | 497 |
| Tier 1 risk-based capital ratio | 25.9832% | 764 |
| Total risk-based capital ratio | 27.1960% | 750 |
| Memoranda: | ||
| Average total assets | $209,369,800 | 2,879 |
| Average earning assets | $201,165,000 | 2,795 |
| Average equity | $33,077,400 | 2,107 |
| Average total loans | $122,908,800 | 2,985 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2950% | 2,657 |
| Cost of funding earning assets | 0.2644% | 5,263 |
| Net interest margin | 4.0306% | 1,789 |
| Noninterest income to average assets | 0.1540% | 5,994 |
| Noninterest expense to average assets | 2.8922% | 3,151 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.7751% | 3,534 |
| Return on assets (ROA) | 0.7751% | 3,643 |
| Pretax return on assets | 1.1320% | 3,060 |
| Return on Equity (ROE) | 4.9023% | 4,766 |
| Retained earnings to average equity (ytd only) | 4.9023% | 3,154 |
| Net charge-offs to loans | -0.0410% | 5,839 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.8700% | 3,204 |
| Assets per employee ($millions) | 4.8896% | 2,388 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2105% | 4,168 |
| Loan loss allowance to noncurrent loans | 137.0147% | 2,932 |
| Noncurrent assets plus other real estate owned to assets | 0.6526% | 3,880 |
| Noncurrent loans to loans | 0.8835% | 3,363 |
| Net loans and leases to total assets | 60.2393% | 3,746 |
| Net loans and leases to deposits | 71.6141% | 3,724 |
| Net loans and leases to core deposits | 73.0005% | 4,051 |
| Total domestic deposits to total assets | 84.1165% | 3,714 |
| Equity capital to assets | 15.4972% | 640 |
| Core capital (leverage) ratio | 15.4972% | 541 |
| Tier 1 risk-based capital ratio | 25.8552% | 797 |
| Total risk-based capital ratio | 27.0866% | 784 |
| Memoranda: | ||
| Average total assets | $206,943,500 | 2,938 |
| Average earning assets | $198,707,500 | 2,843 |
| Average equity | $32,718,250 | 2,133 |
| Average total loans | $120,265,500 | 3,050 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3059% | 2,563 |
| Cost of funding earning assets | 0.2849% | 5,130 |
| Net interest margin | 4.0210% | 1,756 |
| Noninterest income to average assets | 0.1440% | 6,099 |
| Noninterest expense to average assets | 2.8833% | 3,227 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.7649% | 3,489 |
| Return on assets (ROA) | 0.7649% | 3,598 |
| Pretax return on assets | 1.1165% | 3,028 |
| Return on Equity (ROE) | 4.8046% | 4,766 |
| Retained earnings to average equity (ytd only) | 4.8046% | 3,085 |
| Net charge-offs to loans | -0.0274% | 5,654 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.0862% | 3,319 |
| Assets per employee ($millions) | 4.8552% | 2,402 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2578% | 4,103 |
| Loan loss allowance to noncurrent loans | 153.0273% | 2,677 |
| Noncurrent assets plus other real estate owned to assets | 0.6078% | 4,146 |
| Noncurrent loans to loans | 0.8219% | 3,649 |
| Net loans and leases to total assets | 58.9226% | 3,874 |
| Net loans and leases to deposits | 70.3288% | 3,780 |
| Net loans and leases to core deposits | 71.9050% | 4,060 |
| Total domestic deposits to total assets | 83.7815% | 4,002 |
| Equity capital to assets | 15.7678% | 585 |
| Core capital (leverage) ratio | 15.7678% | 509 |
| Tier 1 risk-based capital ratio | 26.3396% | 743 |
| Total risk-based capital ratio | 27.5894% | 728 |
| Memoranda: | ||
| Average total assets | $204,210,670 | 2,979 |
| Average earning assets | $195,824,330 | 2,886 |
| Average equity | $32,510,670 | 2,133 |
| Average total loans | $116,624,670 | 3,123 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2271% | 2,775 |
| Cost of funding earning assets | 0.3161% | 4,906 |
| Net interest margin | 3.9110% | 2,054 |
| Noninterest income to average assets | 0.1367% | 6,159 |
| Noninterest expense to average assets | 2.9179% | 3,156 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.6676% | 3,856 |
| Return on assets (ROA) | 0.6676% | 3,942 |
| Pretax return on assets | 0.9687% | 3,449 |
| Return on Equity (ROE) | 4.1725% | 4,949 |
| Retained earnings to average equity (ytd only) | 4.1725% | 3,629 |
| Net charge-offs to loans | -0.0781% | 6,016 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.0765% | 2,957 |
| Assets per employee ($millions) | 4.8707% | 2,410 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3522% | 3,839 |
| Loan loss allowance to noncurrent loans | 133.9864% | 2,902 |
| Noncurrent assets plus other real estate owned to assets | 0.6775% | 4,085 |
| Noncurrent loans to loans | 1.0092% | 3,402 |
| Net loans and leases to total assets | 54.7930% | 4,307 |
| Net loans and leases to deposits | 65.1799% | 4,179 |
| Net loans and leases to core deposits | 66.4326% | 4,455 |
| Total domestic deposits to total assets | 84.0642% | 4,252 |
| Equity capital to assets | 15.5056% | 596 |
| Core capital (leverage) ratio | 15.5056% | 538 |
| Tier 1 risk-based capital ratio | 27.9300% | 646 |
| Total risk-based capital ratio | 29.1813% | 635 |
| Memoranda: | ||
| Average total assets | $201,929,000 | 3,027 |
| Average earning assets | $193,608,500 | 2,923 |
| Average equity | $32,306,500 | 2,135 |
| Average total loans | $112,646,000 | 3,212 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0531% | 3,910 |
| Cost of funding earning assets | 0.4046% | 4,596 |
| Net interest margin | 3.6485% | 3,249 |
| Noninterest income to average assets | 0.5978% | 3,108 |
| Noninterest expense to average assets | 2.8912% | 3,398 |
| Loan and lease loss provision to assets | -0.0351% | 6,341 |
| Net operating income to assets | 0.7995% | 3,293 |
| Return on assets (ROA) | 0.7995% | 3,393 |
| Pretax return on assets | 1.1838% | 2,643 |
| Return on Equity (ROE) | 4.9684% | 4,646 |
| Retained earnings to average equity (ytd only) | 4.9684% | 2,616 |
| Net charge-offs to loans | -0.1209% | 6,523 |
| Credit loss provision to net charge-offs | 60.1770% | 3,557 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.5654% | 3,559 |
| Assets per employee ($millions) | 4.5213% | 2,867 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4235% | 3,539 |
| Loan loss allowance to noncurrent loans | 144.9533% | 2,749 |
| Noncurrent assets plus other real estate owned to assets | 0.6754% | 4,220 |
| Noncurrent loans to loans | 0.9820% | 3,556 |
| Net loans and leases to total assets | 55.2467% | 4,425 |
| Net loans and leases to deposits | 66.7207% | 4,215 |
| Net loans and leases to core deposits | 68.0799% | 4,504 |
| Total domestic deposits to total assets | 82.8029% | 4,610 |
| Equity capital to assets | 16.5304% | 445 |
| Core capital (leverage) ratio | 16.5304% | 414 |
| Tier 1 risk-based capital ratio | 29.1472% | 544 |
| Total risk-based capital ratio | 30.3988% | 535 |
| Memoranda: | ||
| Average total assets | $193,863,400 | 3,099 |
| Average earning assets | $182,895,800 | 3,039 |
| Average equity | $31,197,000 | 2,179 |
| Average total loans | $93,454,000 | 3,615 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9983% | 4,140 |
| Cost of funding earning assets | 0.4276% | 4,519 |
| Net interest margin | 3.5708% | 3,574 |
| Noninterest income to average assets | 0.2230% | 5,831 |
| Noninterest expense to average assets | 2.8108% | 3,623 |
| Loan and lease loss provision to assets | -0.0936% | 6,619 |
| Net operating income to assets | 0.5981% | 4,356 |
| Return on assets (ROA) | 0.5981% | 4,482 |
| Pretax return on assets | 0.8624% | 4,039 |
| Return on Equity (ROE) | 3.7422% | 5,336 |
| Retained earnings to average equity (ytd only) | 3.7422% | 4,026 |
| Net charge-offs to loans | -0.1816% | 6,630 |
| Credit loss provision to net charge-offs | 111.4754% | 2,116 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.5234% | 2,336 |
| Assets per employee ($millions) | 4.6298% | 2,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4683% | 3,602 |
| Loan loss allowance to noncurrent loans | 130.4196% | 2,827 |
| Noncurrent assets plus other real estate owned to assets | 0.7739% | 4,170 |
| Noncurrent loans to loans | 1.1258% | 3,553 |
| Net loans and leases to total assets | 52.7465% | 4,785 |
| Net loans and leases to deposits | 63.6118% | 4,556 |
| Net loans and leases to core deposits | 64.5177% | 4,847 |
| Total domestic deposits to total assets | 82.9194% | 4,611 |
| Equity capital to assets | 16.5718% | 466 |
| Core capital (leverage) ratio | 16.5718% | 424 |
| Tier 1 risk-based capital ratio | 29.8669% | 523 |
| Total risk-based capital ratio | 31.1278% | 517 |
| Memoranda: | ||
| Average total assets | $193,725,000 | 3,127 |
| Average earning assets | $182,104,250 | 3,075 |
| Average equity | $30,961,750 | 2,216 |
| Average total loans | $89,577,500 | 3,727 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9371% | 4,331 |
| Cost of funding earning assets | 0.4603% | 4,308 |
| Net interest margin | 3.4768% | 3,888 |
| Noninterest income to average assets | 0.1672% | 6,215 |
| Noninterest expense to average assets | 2.8437% | 3,538 |
| Loan and lease loss provision to assets | -0.1138% | 6,726 |
| Net operating income to assets | 0.4861% | 4,858 |
| Return on assets (ROA) | 0.4861% | 5,033 |
| Pretax return on assets | 0.6984% | 4,683 |
| Return on Equity (ROE) | 3.0783% | 5,592 |
| Retained earnings to average equity (ytd only) | 3.0783% | 4,363 |
| Net charge-offs to loans | -0.2221% | 6,693 |
| Credit loss provision to net charge-offs | 116.8421% | 1,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.9494% | 1,764 |
| Assets per employee ($millions) | 5.0171% | 2,095 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6250% | 3,072 |
| Loan loss allowance to noncurrent loans | 193.3852% | 2,038 |
| Noncurrent assets plus other real estate owned to assets | 1.1466% | 3,453 |
| Noncurrent loans to loans | 0.8403% | 4,236 |
| Net loans and leases to total assets | 47.3441% | 5,389 |
| Net loans and leases to deposits | 56.8469% | 5,259 |
| Net loans and leases to core deposits | 57.7408% | 5,442 |
| Total domestic deposits to total assets | 83.2834% | 4,595 |
| Equity capital to assets | 16.2928% | 490 |
| Core capital (leverage) ratio | 16.2928% | 436 |
| Tier 1 risk-based capital ratio | 31.4577% | 458 |
| Total risk-based capital ratio | 32.7105% | 453 |
| Memoranda: | ||
| Average total assets | $195,025,670 | 3,133 |
| Average earning assets | $182,924,330 | 3,079 |
| Average equity | $30,796,670 | 2,236 |
| Average total loans | $85,564,330 | 3,834 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7428% | 5,012 |
| Cost of funding earning assets | 0.5207% | 3,882 |
| Net interest margin | 3.2220% | 4,840 |
| Noninterest income to average assets | 0.1643% | 6,275 |
| Noninterest expense to average assets | 2.9146% | 3,291 |
| Loan and lease loss provision to assets | -0.1602% | 6,877 |
| Net operating income to assets | 0.3083% | 5,540 |
| Return on assets (ROA) | 0.3083% | 5,666 |
| Pretax return on assets | 0.4219% | 5,493 |
| Return on Equity (ROE) | 1.9828% | 5,947 |
| Retained earnings to average equity (ytd only) | 1.9828% | 5,011 |
| Net charge-offs to loans | -0.3056% | 6,783 |
| Credit loss provision to net charge-offs | 125.3968% | 1,546 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.7625% | 1,006 |
| Assets per employee ($millions) | 4.7845% | 2,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8233% | 2,539 |
| Loan loss allowance to noncurrent loans | 297.6048% | 1,330 |
| Noncurrent assets plus other real estate owned to assets | 1.0001% | 3,925 |
| Noncurrent loans to loans | 0.6127% | 4,912 |
| Net loans and leases to total assets | 41.9500% | 5,848 |
| Net loans and leases to deposits | 50.2126% | 5,774 |
| Net loans and leases to core deposits | 51.1823% | 5,878 |
| Total domestic deposits to total assets | 83.5448% | 4,650 |
| Equity capital to assets | 16.0623% | 554 |
| Core capital (leverage) ratio | 16.0623% | 444 |
| Tier 1 risk-based capital ratio | 34.6039% | 360 |
| Total risk-based capital ratio | 35.8590% | 354 |
| Memoranda: | ||
| Average total assets | $197,214,000 | 3,128 |
| Average earning assets | $184,356,000 | 3,093 |
| Average equity | $30,664,000 | 2,262 |
| Average total loans | $82,470,500 | 3,938 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7431% | 5,963 |
| Cost of funding earning assets | 0.5898% | 4,445 |
| Net interest margin | 3.1533% | 5,683 |
| Noninterest income to average assets | 0.6056% | 3,250 |
| Noninterest expense to average assets | 2.7001% | 4,400 |
| Loan and lease loss provision to assets | 0.0000% | 5,905 |
| Net operating income to assets | 0.6094% | 4,194 |
| Return on assets (ROA) | 0.6094% | 4,455 |
| Pretax return on assets | 0.8679% | 4,036 |
| Return on Equity (ROE) | 4.2464% | 5,043 |
| Retained earnings to average equity (ytd only) | 4.2464% | 3,237 |
| Net charge-offs to loans | -0.0396% | 6,666 |
| Credit loss provision to net charge-offs | 0.0000% | 5,483 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 75.6746% | 2,806 |
| Assets per employee ($millions) | 4.9524% | 2,291 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8108% | 2,556 |
| Loan loss allowance to noncurrent loans | 269.4097% | 1,428 |
| Noncurrent assets plus other real estate owned to assets | 0.9712% | 4,081 |
| Noncurrent loans to loans | 0.6721% | 4,854 |
| Net loans and leases to total assets | 40.2171% | 6,153 |
| Net loans and leases to deposits | 47.5364% | 6,139 |
| Net loans and leases to core deposits | 48.6031% | 6,229 |
| Total domestic deposits to total assets | 84.6027% | 4,040 |
| Equity capital to assets | 15.0644% | 718 |
| Core capital (leverage) ratio | 15.0644% | 561 |
| Tier 1 risk-based capital ratio | 33.6665% | 373 |
| Total risk-based capital ratio | 34.9212% | 369 |
| Memoranda: | ||
| Average total assets | $207,735,600 | 2,951 |
| Average earning assets | $195,159,200 | 2,897 |
| Average equity | $29,813,600 | 2,263 |
| Average total loans | $80,859,600 | 4,014 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7297% | 6,171 |
| Cost of funding earning assets | 0.6017% | 4,629 |
| Net interest margin | 3.1280% | 5,877 |
| Noninterest income to average assets | 0.2387% | 5,843 |
| Noninterest expense to average assets | 2.6320% | 4,631 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3976% | 5,260 |
| Return on assets (ROA) | 0.3976% | 5,480 |
| Pretax return on assets | 0.5463% | 5,319 |
| Return on Equity (ROE) | 2.8044% | 5,748 |
| Retained earnings to average equity (ytd only) | 2.8044% | 4,866 |
| Net charge-offs to loans | -0.0133% | 6,419 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.8112% | 1,724 |
| Assets per employee ($millions) | 4.8390% | 2,390 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7548% | 2,952 |
| Loan loss allowance to noncurrent loans | 1,058.5714% | 414 |
| Noncurrent assets plus other real estate owned to assets | 0.7641% | 4,792 |
| Noncurrent loans to loans | 0.1658% | 6,197 |
| Net loans and leases to total assets | 40.8243% | 6,218 |
| Net loans and leases to deposits | 47.9876% | 6,257 |
| Net loans and leases to core deposits | 48.8712% | 6,357 |
| Total domestic deposits to total assets | 85.0727% | 3,711 |
| Equity capital to assets | 14.7334% | 891 |
| Core capital (leverage) ratio | 14.7334% | 661 |
| Tier 1 risk-based capital ratio | 29.2485% | 567 |
| Total risk-based capital ratio | 30.5007% | 562 |
| Memoranda: | ||
| Average total assets | $208,907,500 | 2,971 |
| Average earning assets | $196,331,500 | 2,908 |
| Average equity | $29,620,000 | 2,290 |
| Average total loans | $80,283,000 | 4,070 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6529% | 6,414 |
| Cost of funding earning assets | 0.6044% | 4,865 |
| Net interest margin | 3.0485% | 6,126 |
| Noninterest income to average assets | 0.2495% | 5,793 |
| Noninterest expense to average assets | 2.5902% | 4,808 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3767% | 5,321 |
| Return on assets (ROA) | 0.3767% | 5,546 |
| Pretax return on assets | 0.5209% | 5,386 |
| Return on Equity (ROE) | 2.6904% | 5,811 |
| Retained earnings to average equity (ytd only) | 2.6904% | 4,832 |
| Net charge-offs to loans | 0.0406% | 4,808 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | 34.3125% | 983 |
| Efficiency ratio | 83.2571% | 1,715 |
| Assets per employee ($millions) | 5.3033% | 1,816 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7611% | 2,981 |
| Loan loss allowance to noncurrent loans | 993.5714% | 413 |
| Noncurrent assets plus other real estate owned to assets | 0.7612% | 4,890 |
| Noncurrent loans to loans | 0.1772% | 6,230 |
| Net loans and leases to total assets | 35.6867% | 6,625 |
| Net loans and leases to deposits | 41.4320% | 6,680 |
| Net loans and leases to core deposits | 42.2024% | 6,727 |
| Total domestic deposits to total assets | 86.1333% | 3,292 |
| Equity capital to assets | 13.6681% | 1,234 |
| Core capital (leverage) ratio | 13.6681% | 909 |
| Tier 1 risk-based capital ratio | 33.3472% | 393 |
| Total risk-based capital ratio | 34.4031% | 393 |
| Memoranda: | ||
| Average total assets | $210,797,000 | 2,959 |
| Average earning assets | $197,869,000 | 2,901 |
| Average equity | $29,512,000 | 2,291 |
| Average total loans | $78,893,000 | 4,131 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.5652% | 6,617 |
| Cost of funding earning assets | 0.6196% | 4,967 |
| Net interest margin | 2.9456% | 6,398 |
| Noninterest income to average assets | 0.4068% | 4,624 |
| Noninterest expense to average assets | 2.7106% | 4,386 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3355% | 5,532 |
| Return on assets (ROA) | 0.3355% | 5,705 |
| Pretax return on assets | 0.4550% | 5,568 |
| Return on Equity (ROE) | 2.3667% | 5,956 |
| Retained earnings to average equity (ytd only) | 2.3667% | 5,078 |
| Net charge-offs to loans | 0.0609% | 3,887 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 19.6667% | 1,219 |
| Efficiency ratio | 85.6273% | 1,512 |
| Assets per employee ($millions) | 5.6599% | 1,555 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7527% | 3,154 |
| Loan loss allowance to noncurrent loans | 1,407.0707% | 297 |
| Noncurrent assets plus other real estate owned to assets | 0.7707% | 5,003 |
| Noncurrent loans to loans | 0.1246% | 6,436 |
| Net loans and leases to total assets | 37.2861% | 6,543 |
| Net loans and leases to deposits | 43.4964% | 6,587 |
| Net loans and leases to core deposits | 44.4968% | 6,639 |
| Total domestic deposits to total assets | 85.7222% | 3,675 |
| Equity capital to assets | 14.0849% | 996 |
| Core capital (leverage) ratio | 14.0849% | 782 |
| Tier 1 risk-based capital ratio | 29.4233% | 553 |
| Total risk-based capital ratio | 30.6752% | 541 |
| Memoranda: | ||
| Average total assets | $207,478,500 | 3,020 |
| Average earning assets | $194,321,000 | 2,971 |
| Average equity | $29,408,500 | 2,300 |
| Average total loans | $78,846,500 | 4,158 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0472% | 6,369 |
| Cost of funding earning assets | 0.6852% | 5,629 |
| Net interest margin | 3.3619% | 5,606 |
| Noninterest income to average assets | 0.3350% | 5,137 |
| Noninterest expense to average assets | 2.7760% | 4,442 |
| Loan and lease loss provision to assets | 0.9485% | 1,013 |
| Net operating income to assets | -0.1599% | 6,214 |
| Return on assets (ROA) | -0.1599% | 6,286 |
| Pretax return on assets | -0.2516% | 6,321 |
| Return on Equity (ROE) | -1.1098% | 6,253 |
| Retained earnings to average equity (ytd only) | -1.1235% | 6,026 |
| Net charge-offs to loans | 2.2407% | 565 |
| Credit loss provision to net charge-offs | 97.5290% | 3,689 |
| Earnings coverage of net charge-offs (x) | 0.7166% | 5,274 |
| Efficiency ratio | 79.9322% | 2,312 |
| Assets per employee ($millions) | 5.4090% | 1,734 |
| Cash dividends to net income (ytd only)* | -1.2270% | 7,238 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7963% | 2,879 |
| Loan loss allowance to noncurrent loans | 28,100.0000% | 19 |
| Noncurrent assets plus other real estate owned to assets | 0.8037% | 5,024 |
| Noncurrent loans to loans | 0.0064% | 6,848 |
| Net loans and leases to total assets | 37.3706% | 6,673 |
| Net loans and leases to deposits | 43.6380% | 6,737 |
| Net loans and leases to core deposits | 44.6566% | 6,790 |
| Total domestic deposits to total assets | 85.6379% | 3,519 |
| Equity capital to assets | 14.2653% | 982 |
| Core capital (leverage) ratio | 14.2653% | 762 |
| Tier 1 risk-based capital ratio | 33.8025% | 368 |
| Total risk-based capital ratio | 35.0568% | 362 |
| Memoranda: | ||
| Average total assets | $203,890,200 | 3,010 |
| Average earning assets | $190,306,400 | 2,963 |
| Average equity | $29,373,600 | 2,242 |
| Average total loans | $88,498,400 | 3,896 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1472% | 6,323 |
| Cost of funding earning assets | 0.6945% | 5,805 |
| Net interest margin | 3.4527% | 5,384 |
| Noninterest income to average assets | 0.3230% | 5,286 |
| Noninterest expense to average assets | 2.8130% | 4,292 |
| Loan and lease loss provision to assets | 1.2673% | 597 |
| Net operating income to assets | -0.3545% | 6,546 |
| Return on assets (ROA) | -0.3545% | 6,603 |
| Pretax return on assets | -0.5353% | 6,641 |
| Return on Equity (ROE) | -2.4546% | 6,522 |
| Retained earnings to average equity (ytd only) | -2.4727% | 6,359 |
| Net charge-offs to loans | 2.9237% | 327 |
| Credit loss provision to net charge-offs | 96.8453% | 3,535 |
| Earnings coverage of net charge-offs (x) | 0.5593% | 5,212 |
| Efficiency ratio | 79.3530% | 2,355 |
| Assets per employee ($millions) | 5.6457% | 1,469 |
| Cash dividends to net income (ytd only)* | -0.7389% | 7,332 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7634% | 3,056 |
| Loan loss allowance to noncurrent loans | 121.0252% | 2,477 |
| Noncurrent assets plus other real estate owned to assets | 0.6300% | 5,562 |
| Noncurrent loans to loans | 1.4570% | 4,113 |
| Net loans and leases to total assets | 37.1505% | 6,814 |
| Net loans and leases to deposits | 43.2252% | 6,870 |
| Net loans and leases to core deposits | 44.2145% | 6,915 |
| Total domestic deposits to total assets | 85.9463% | 3,246 |
| Equity capital to assets | 13.9336% | 1,183 |
| Core capital (leverage) ratio | 13.9336% | 914 |
| Tier 1 risk-based capital ratio | 33.8749% | 389 |
| Total risk-based capital ratio | 35.1295% | 378 |
| Memoranda: | ||
| Average total assets | $203,477,500 | 3,037 |
| Average earning assets | $189,876,000 | 2,978 |
| Average equity | $29,386,750 | 2,235 |
| Average total loans | $91,068,750 | 3,866 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3226% | 5,946 |
| Cost of funding earning assets | 0.7028% | 5,945 |
| Net interest margin | 3.6198% | 4,648 |
| Noninterest income to average assets | 0.2975% | 5,508 |
| Noninterest expense to average assets | 2.9067% | 3,996 |
| Loan and lease loss provision to assets | 1.9180% | 335 |
| Net operating income to assets | -0.7884% | 6,862 |
| Return on assets (ROA) | -0.7884% | 6,875 |
| Pretax return on assets | -1.1762% | 6,958 |
| Return on Equity (ROE) | -5.3934% | 6,738 |
| Retained earnings to average equity (ytd only) | -5.4206% | 6,598 |
| Net charge-offs to loans | 4.4672% | 164 |
| Credit loss provision to net charge-offs | 91.0546% | 3,426 |
| Earnings coverage of net charge-offs (x) | 0.3522% | 5,042 |
| Efficiency ratio | 79.6684% | 2,438 |
| Assets per employee ($millions) | 5.1238% | 1,966 |
| Cash dividends to net income (ytd only)* | -0.5031% | 7,429 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4988% | 4,142 |
| Loan loss allowance to noncurrent loans | 48.5429% | 5,103 |
| Noncurrent assets plus other real estate owned to assets | 1.4247% | 4,078 |
| Noncurrent loans to loans | 3.0876% | 2,335 |
| Net loans and leases to total assets | 42.7315% | 6,541 |
| Net loans and leases to deposits | 50.2364% | 6,575 |
| Net loans and leases to core deposits | 51.2975% | 6,700 |
| Total domestic deposits to total assets | 85.0609% | 3,849 |
| Equity capital to assets | 14.8184% | 858 |
| Core capital (leverage) ratio | 14.8184% | 703 |
| Tier 1 risk-based capital ratio | 30.8060% | 495 |
| Total risk-based capital ratio | 32.0563% | 487 |
| Memoranda: | ||
| Average total assets | $201,673,000 | 3,078 |
| Average earning assets | $186,695,000 | 3,040 |
| Average equity | $29,480,330 | 2,211 |
| Average total loans | $95,092,670 | 3,817 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3835% | 5,745 |
| Cost of funding earning assets | 0.7112% | 6,076 |
| Net interest margin | 3.6723% | 4,238 |
| Noninterest income to average assets | 0.3665% | 4,978 |
| Noninterest expense to average assets | 2.8271% | 4,344 |
| Loan and lease loss provision to assets | 0.0468% | 5,416 |
| Net operating income to assets | 0.5674% | 4,194 |
| Return on assets (ROA) | 0.5674% | 4,267 |
| Pretax return on assets | 0.8754% | 3,594 |
| Return on Equity (ROE) | 3.9068% | 4,955 |
| Retained earnings to average equity (ytd only) | 3.8531% | 3,863 |
| Net charge-offs to loans | 0.0956% | 3,988 |
| Credit loss provision to net charge-offs | 100.0000% | 2,647 |
| Earnings coverage of net charge-offs (x) | 19.7083% | 1,128 |
| Efficiency ratio | 75.4030% | 3,263 |
| Assets per employee ($millions) | 5.1463% | 1,968 |
| Cash dividends to net income (ytd only)* | 1.3746% | 2,500 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5306% | 4,047 |
| Loan loss allowance to noncurrent loans | 130.0000% | 2,257 |
| Noncurrent assets plus other real estate owned to assets | 1.0017% | 4,899 |
| Noncurrent loans to loans | 1.1774% | 4,725 |
| Net loans and leases to total assets | 47.8999% | 6,088 |
| Net loans and leases to deposits | 56.6507% | 6,069 |
| Net loans and leases to core deposits | 58.0987% | 6,244 |
| Total domestic deposits to total assets | 84.5529% | 4,249 |
| Equity capital to assets | 15.3090% | 702 |
| Core capital (leverage) ratio | 15.3090% | 606 |
| Tier 1 risk-based capital ratio | 31.0699% | 472 |
| Total risk-based capital ratio | 32.3235% | 463 |
| Memoranda: | ||
| Average total assets | $205,157,500 | 3,049 |
| Average earning assets | $188,980,000 | 3,028 |
| Average equity | $29,794,500 | 2,193 |
| Average total loans | $100,406,000 | 3,709 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4217% | 6,574 |
| Cost of funding earning assets | 0.8662% | 6,317 |
| Net interest margin | 3.5555% | 5,016 |
| Noninterest income to average assets | 0.4312% | 4,675 |
| Noninterest expense to average assets | 2.8592% | 4,379 |
| Loan and lease loss provision to assets | 0.2943% | 4,443 |
| Net operating income to assets | 2.0949% | 237 |
| Return on assets (ROA) | 2.0949% | 250 |
| Pretax return on assets | 0.5779% | 4,391 |
| Return on Equity (ROE) | 16.1312% | 570 |
| Retained earnings to average equity (ytd only) | 16.0989% | 96 |
| Net charge-offs to loans | 0.6233% | 3,161 |
| Credit loss provision to net charge-offs | 93.0576% | 4,985 |
| Earnings coverage of net charge-offs (x) | 2.7578% | 3,698 |
| Efficiency ratio | 76.6245% | 2,947 |
| Assets per employee ($millions) | 5.1133% | 1,997 |
| Cash dividends to net income (ytd only)* | 0.2007% | 3,946 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4193% | 4,426 |
| Loan loss allowance to noncurrent loans | 114.5913% | 2,541 |
| Noncurrent assets plus other real estate owned to assets | 0.8610% | 5,290 |
| Noncurrent loans to loans | 1.2386% | 4,651 |
| Net loans and leases to total assets | 48.5125% | 6,334 |
| Net loans and leases to deposits | 56.3748% | 6,409 |
| Net loans and leases to core deposits | 57.5624% | 6,594 |
| Total domestic deposits to total assets | 86.0535% | 3,332 |
| Equity capital to assets | 13.8068% | 1,100 |
| Core capital (leverage) ratio | 13.8068% | 893 |
| Tier 1 risk-based capital ratio | 28.3470% | 580 |
| Total risk-based capital ratio | 29.5994% | 569 |
| Memoranda: | ||
| Average total assets | $214,048,000 | 2,936 |
| Average earning assets | $198,678,000 | 2,895 |
| Average equity | $27,797,000 | 2,329 |
| Average total loans | $108,620,200 | 3,579 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3635% | 6,871 |
| Cost of funding earning assets | 0.9038% | 6,381 |
| Net interest margin | 3.4597% | 5,456 |
| Noninterest income to average assets | 0.4376% | 4,652 |
| Noninterest expense to average assets | 2.8434% | 4,305 |
| Loan and lease loss provision to assets | 0.3740% | 3,648 |
| Net operating income to assets | 2.5809% | 124 |
| Return on assets (ROA) | 2.5809% | 134 |
| Pretax return on assets | 0.4370% | 5,122 |
| Return on Equity (ROE) | 20.1945% | 297 |
| Retained earnings to average equity (ytd only) | 20.1506% | 80 |
| Net charge-offs to loans | 0.8242% | 2,392 |
| Credit loss provision to net charge-offs | 88.7574% | 4,815 |
| Earnings coverage of net charge-offs (x) | 1.9246% | 4,266 |
| Efficiency ratio | 77.8062% | 2,649 |
| Assets per employee ($millions) | 5.4344% | 1,691 |
| Cash dividends to net income (ytd only)* | 0.2174% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3623% | 4,655 |
| Loan loss allowance to noncurrent loans | 121.6529% | 2,326 |
| Noncurrent assets plus other real estate owned to assets | 0.7571% | 5,593 |
| Noncurrent loans to loans | 1.1198% | 5,003 |
| Net loans and leases to total assets | 47.8349% | 6,536 |
| Net loans and leases to deposits | 55.1639% | 6,676 |
| Net loans and leases to core deposits | 56.3816% | 6,835 |
| Total domestic deposits to total assets | 86.7142% | 2,686 |
| Equity capital to assets | 13.1534% | 1,512 |
| Core capital (leverage) ratio | 13.1534% | 1,171 |
| Tier 1 risk-based capital ratio | 27.8796% | 638 |
| Total risk-based capital ratio | 29.1315% | 620 |
| Memoranda: | ||
| Average total assets | $213,870,750 | 2,991 |
| Average earning assets | $198,857,250 | 2,940 |
| Average equity | $27,333,500 | 2,388 |
| Average total loans | $109,354,250 | 3,614 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2877% | 7,069 |
| Cost of funding earning assets | 0.9534% | 6,368 |
| Net interest margin | 3.3344% | 5,887 |
| Noninterest income to average assets | 0.5131% | 4,007 |
| Noninterest expense to average assets | 2.8991% | 4,077 |
| Loan and lease loss provision to assets | 0.4742% | 2,941 |
| Net operating income to assets | 3.6825% | 52 |
| Return on assets (ROA) | 3.6825% | 52 |
| Pretax return on assets | 0.2475% | 5,664 |
| Return on Equity (ROE) | 29.1127% | 66 |
| Retained earnings to average equity (ytd only) | 29.0827% | 28 |
| Net charge-offs to loans | 0.3990% | 3,383 |
| Credit loss provision to net charge-offs | 228.3105% | 1,695 |
| Earnings coverage of net charge-offs (x) | 3.4749% | 3,308 |
| Efficiency ratio | 80.0681% | 2,437 |
| Assets per employee ($millions) | 5.3240% | 1,785 |
| Cash dividends to net income (ytd only)* | 0.1030% | 3,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7513% | 2,897 |
| Loan loss allowance to noncurrent loans | 103.5714% | 2,670 |
| Noncurrent assets plus other real estate owned to assets | 1.0228% | 5,092 |
| Noncurrent loans to loans | 1.6910% | 4,152 |
| Net loans and leases to total assets | 45.8356% | 6,786 |
| Net loans and leases to deposits | 52.8121% | 6,931 |
| Net loans and leases to core deposits | 53.9991% | 7,035 |
| Total domestic deposits to total assets | 86.7899% | 2,654 |
| Equity capital to assets | 12.9936% | 1,572 |
| Core capital (leverage) ratio | 12.9936% | 1,213 |
| Tier 1 risk-based capital ratio | 27.6212% | 659 |
| Total risk-based capital ratio | 28.8770% | 639 |
| Memoranda: | ||
| Average total assets | $210,891,000 | 3,041 |
| Average earning assets | $196,560,000 | 2,992 |
| Average equity | $26,675,670 | 2,433 |
| Average total loans | $109,788,000 | 3,643 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6198% | 6,503 |
| Cost of funding earning assets | 1.0002% | 6,375 |
| Net interest margin | 3.6196% | 4,628 |
| Noninterest income to average assets | 0.5554% | 3,607 |
| Noninterest expense to average assets | 2.8944% | 4,084 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | 1.2203% | 1,488 |
| Return on assets (ROA) | 1.2203% | 1,563 |
| Pretax return on assets | 1.0580% | 2,882 |
| Return on Equity (ROE) | 9.7936% | 2,172 |
| Retained earnings to average equity (ytd only) | 9.7308% | 1,205 |
| Net charge-offs to loans | 0.1600% | 3,965 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | 12.0222% | 1,597 |
| Efficiency ratio | 73.2311% | 3,716 |
| Assets per employee ($millions) | 4.9676% | 2,276 |
| Cash dividends to net income (ytd only)* | 0.6410% | 2,520 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4321% | 4,251 |
| Loan loss allowance to noncurrent loans | 48.8954% | 5,075 |
| Noncurrent assets plus other real estate owned to assets | 1.7247% | 3,889 |
| Noncurrent loans to loans | 2.9289% | 2,748 |
| Net loans and leases to total assets | 48.4940% | 6,621 |
| Net loans and leases to deposits | 55.2285% | 6,829 |
| Net loans and leases to core deposits | 56.5701% | 6,959 |
| Total domestic deposits to total assets | 87.8061% | 2,172 |
| Equity capital to assets | 12.0764% | 1,999 |
| Core capital (leverage) ratio | 12.0764% | 1,611 |
| Tier 1 risk-based capital ratio | 23.8912% | 975 |
| Total risk-based capital ratio | 25.1433% | 954 |
| Memoranda: | ||
| Average total assets | $204,531,500 | 3,160 |
| Average earning assets | $191,956,000 | 3,094 |
| Average equity | $25,486,000 | 2,565 |
| Average total loans | $112,522,000 | 3,636 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1584% | 5,839 |
| Cost of funding earning assets | 1.6857% | 4,590 |
| Net interest margin | 3.4727% | 5,077 |
| Noninterest income to average assets | 0.5235% | 4,229 |
| Noninterest expense to average assets | 2.8107% | 4,934 |
| Loan and lease loss provision to assets | 5.3759% | 158 |
| Net operating income to assets | -4.4156% | 7,671 |
| Return on assets (ROA) | -4.4156% | 7,667 |
| Pretax return on assets | -4.3386% | 7,608 |
| Return on Equity (ROE) | -39.2796% | 7,559 |
| Retained earnings to average equity (ytd only) | -39.4035% | 7,543 |
| Net charge-offs to loans | 8.4629% | 70 |
| Credit loss provision to net charge-offs | 101.1704% | 5,455 |
| Earnings coverage of net charge-offs (x) | 0.1952% | 5,947 |
| Efficiency ratio | 73.0431% | 4,087 |
| Assets per employee ($millions) | 4.5455% | 2,843 |
| Cash dividends to net income (ytd only)* | -0.3153% | 7,367 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2913% | 4,815 |
| Loan loss allowance to noncurrent loans | 39.0866% | 5,804 |
| Noncurrent assets plus other real estate owned to assets | 2.3499% | 2,953 |
| Noncurrent loans to loans | 3.3038% | 2,312 |
| Net loans and leases to total assets | 60.5780% | 5,249 |
| Net loans and leases to deposits | 69.6613% | 5,650 |
| Net loans and leases to core deposits | 80.4359% | 6,047 |
| Total domestic deposits to total assets | 86.9608% | 2,533 |
| Equity capital to assets | 12.8806% | 1,559 |
| Core capital (leverage) ratio | 12.8806% | 1,285 |
| Tier 1 risk-based capital ratio | 21.4233% | 1,232 |
| Total risk-based capital ratio | 22.6742% | 1,202 |
| Memoranda: | ||
| Average total assets | $215,462,200 | 3,011 |
| Average earning assets | $206,266,800 | 2,886 |
| Average equity | $24,221,200 | 2,691 |
| Average total loans | $135,284,800 | 3,168 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2047% | 5,856 |
| Cost of funding earning assets | 1.7778% | 4,489 |
| Net interest margin | 3.4270% | 5,161 |
| Noninterest income to average assets | 0.5292% | 4,243 |
| Noninterest expense to average assets | 2.7154% | 5,256 |
| Loan and lease loss provision to assets | 7.0051% | 69 |
| Net operating income to assets | -6.0544% | 7,926 |
| Return on assets (ROA) | -6.0544% | 7,922 |
| Pretax return on assets | -5.9038% | 7,901 |
| Return on Equity (ROE) | -55.6559% | 7,873 |
| Retained earnings to average equity (ytd only) | -55.6948% | 7,867 |
| Net charge-offs to loans | 10.9430% | 37 |
| Credit loss provision to net charge-offs | 101.4451% | 5,016 |
| Earnings coverage of net charge-offs (x) | 0.1595% | 5,863 |
| Efficiency ratio | 71.1456% | 4,400 |
| Assets per employee ($millions) | 4.8746% | 2,301 |
| Cash dividends to net income (ytd only)* | -0.0699% | 7,596 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2816% | 4,608 |
| Loan loss allowance to noncurrent loans | 193.6353% | 1,515 |
| Noncurrent assets plus other real estate owned to assets | 0.5257% | 6,145 |
| Noncurrent loans to loans | 0.6619% | 5,977 |
| Net loans and leases to total assets | 58.1347% | 5,870 |
| Net loans and leases to deposits | 66.0582% | 6,302 |
| Net loans and leases to core deposits | 81.7024% | 6,212 |
| Total domestic deposits to total assets | 88.0052% | 1,650 |
| Equity capital to assets | 11.7849% | 2,368 |
| Core capital (leverage) ratio | 11.7849% | 1,915 |
| Tier 1 risk-based capital ratio | 20.4746% | 1,462 |
| Total risk-based capital ratio | 21.7254% | 1,418 |
| Memoranda: | ||
| Average total assets | $220,463,500 | 2,950 |
| Average earning assets | $211,494,000 | 2,833 |
| Average equity | $23,982,500 | 2,760 |
| Average total loans | $139,117,750 | 3,137 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3596% | 5,358 |
| Cost of funding earning assets | 1.8399% | 4,555 |
| Net interest margin | 3.5197% | 4,705 |
| Noninterest income to average assets | 0.5453% | 4,067 |
| Noninterest expense to average assets | 2.6678% | 5,495 |
| Loan and lease loss provision to assets | 0.5087% | 2,991 |
| Net operating income to assets | 0.5694% | 3,811 |
| Return on assets (ROA) | 0.5694% | 3,921 |
| Pretax return on assets | 0.7444% | 3,850 |
| Return on Equity (ROE) | 5.3743% | 3,920 |
| Retained earnings to average equity (ytd only) | 5.3490% | 2,322 |
| Net charge-offs to loans | 0.5944% | 2,557 |
| Credit loss provision to net charge-offs | 132.8671% | 3,513 |
| Earnings coverage of net charge-offs (x) | 3.2727% | 3,504 |
| Efficiency ratio | 68.0401% | 5,154 |
| Assets per employee ($millions) | 5.4040% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.4702% | 3,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0915% | 5,659 |
| Loan loss allowance to noncurrent loans | 165.2954% | 1,796 |
| Noncurrent assets plus other real estate owned to assets | 0.5219% | 6,128 |
| Noncurrent loans to loans | 0.6603% | 5,934 |
| Net loans and leases to total assets | 59.7187% | 5,727 |
| Net loans and leases to deposits | 66.6141% | 6,337 |
| Net loans and leases to core deposits | 87.0416% | 5,803 |
| Total domestic deposits to total assets | 89.6487% | 985 |
| Equity capital to assets | 10.0901% | 3,825 |
| Core capital (leverage) ratio | 10.0901% | 3,197 |
| Tier 1 risk-based capital ratio | 18.1048% | 1,987 |
| Total risk-based capital ratio | 19.2873% | 1,947 |
| Memoranda: | ||
| Average total assets | $224,082,000 | 2,922 |
| Average earning assets | $214,903,330 | 2,813 |
| Average equity | $23,742,670 | 2,786 |
| Average total loans | $144,344,670 | 3,075 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6590% | 4,002 |
| Cost of funding earning assets | 1.9184% | 4,542 |
| Net interest margin | 3.7406% | 3,708 |
| Noninterest income to average assets | 0.5469% | 3,951 |
| Noninterest expense to average assets | 2.5963% | 5,467 |
| Loan and lease loss provision to assets | 0.0552% | 6,273 |
| Net operating income to assets | 0.9667% | 2,457 |
| Return on assets (ROA) | 0.9667% | 2,582 |
| Pretax return on assets | 1.4749% | 1,740 |
| Return on Equity (ROE) | 8.8915% | 2,766 |
| Retained earnings to average equity (ytd only) | 8.8407% | 1,533 |
| Net charge-offs to loans | 0.0359% | 5,008 |
| Credit loss provision to net charge-offs | 230.7692% | 1,980 |
| Earnings coverage of net charge-offs (x) | 63.9231% | 620 |
| Efficiency ratio | 62.9183% | 5,884 |
| Assets per employee ($millions) | 5.1357% | 1,915 |
| Cash dividends to net income (ytd only)* | 0.5714% | 2,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0008% | 6,174 |
| Loan loss allowance to noncurrent loans | 155.3283% | 2,096 |
| Noncurrent assets plus other real estate owned to assets | 0.5484% | 5,825 |
| Noncurrent loans to loans | 0.6443% | 5,799 |
| Net loans and leases to total assets | 64.6392% | 4,876 |
| Net loans and leases to deposits | 72.6890% | 5,656 |
| Net loans and leases to core deposits | 97.6789% | 4,777 |
| Total domestic deposits to total assets | 88.9257% | 1,260 |
| Equity capital to assets | 10.8131% | 3,169 |
| Core capital (leverage) ratio | 10.8131% | 2,646 |
| Tier 1 risk-based capital ratio | 18.1552% | 2,017 |
| Total risk-based capital ratio | 19.2523% | 2,004 |
| Memoranda: | ||
| Average total assets | $217,234,000 | 3,028 |
| Average earning assets | $207,882,500 | 2,912 |
| Average equity | $23,618,000 | 2,812 |
| Average total loans | $144,734,500 | 3,093 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8261% | 6,356 |
| Cost of funding earning assets | 1.9110% | 6,699 |
| Net interest margin | 3.9151% | 3,498 |
| Noninterest income to average assets | 0.5083% | 4,555 |
| Noninterest expense to average assets | 2.8245% | 4,716 |
| Loan and lease loss provision to assets | 0.2242% | 4,646 |
| Net operating income to assets | 0.7400% | 3,717 |
| Return on assets (ROA) | 0.7400% | 3,553 |
| Pretax return on assets | 1.0949% | 3,044 |
| Return on Equity (ROE) | 6.9740% | 3,544 |
| Retained earnings to average equity (ytd only) | 6.9429% | 1,171 |
| Net charge-offs to loans | 0.0769% | 5,660 |
| Credit loss provision to net charge-offs | 435.7798% | 1,002 |
| Earnings coverage of net charge-offs (x) | 25.6422% | 1,322 |
| Efficiency ratio | 68.1663% | 4,698 |
| Assets per employee ($millions) | 4.8553% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.4464% | 4,819 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9816% | 6,203 |
| Loan loss allowance to noncurrent loans | 83.0035% | 4,018 |
| Noncurrent assets plus other real estate owned to assets | 1.1599% | 3,948 |
| Noncurrent loans to loans | 1.1825% | 4,152 |
| Net loans and leases to total assets | 67.3370% | 4,579 |
| Net loans and leases to deposits | 79.6993% | 5,099 |
| Net loans and leases to core deposits | 101.2657% | 4,689 |
| Total domestic deposits to total assets | 84.4888% | 3,084 |
| Equity capital to assets | 10.9332% | 3,096 |
| Core capital (leverage) ratio | 10.9332% | 2,641 |
| Tier 1 risk-based capital ratio | 18.0466% | 2,029 |
| Total risk-based capital ratio | 18.9212% | 2,068 |
| Memoranda: | ||
| Average total assets | $211,894,400 | 2,985 |
| Average earning assets | $196,753,200 | 2,925 |
| Average equity | $22,483,400 | 2,916 |
| Average total loans | $141,672,400 | 3,065 |