Home > Premier Business Bank > Performance and Condition Ratios
Premier Business Bank, Performance and Condition Ratios
| 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 | 4.6670% | 1,388 |
| Cost of funding earning assets | 0.7673% | 1,110 |
| Net interest margin | 3.8997% | 2,046 |
| Noninterest income to average assets | 0.3427% | 3,856 |
| Noninterest expense to average assets | 2.1294% | 4,587 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3435% | 1,498 |
| Return on assets (ROA) | 1.3435% | 1,514 |
| Pretax return on assets | 1.9150% | 693 |
| Return on Equity (ROE) | 16.3300% | 574 |
| Retained earnings to average equity (ytd only) | 16.3300% | 228 |
| Net charge-offs to loans | -0.0007% | 3,747 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6497% | 4,915 |
| Assets per employee ($millions) | 8.8808% | 463 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5418% | 5,272 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.1461% | 4,352 |
| Noncurrent loans to loans | 0.0000% | 5,035 |
| Net loans and leases to total assets | 86.4772% | 227 |
| Net loans and leases to deposits | 116.6803% | 145 |
| Net loans and leases to core deposits | 142.9193% | 185 |
| Total domestic deposits to total assets | 74.1147% | 5,143 |
| Equity capital to assets | 8.3037% | 5,105 |
| Core capital (leverage) ratio | 8.5906% | 5,073 |
| Tier 1 risk-based capital ratio | 10.6231% | 5,310 |
| Total risk-based capital ratio | 11.2473% | 5,444 |
| Memoranda: | ||
| Average total assets | $632,677,500 | 1,162 |
| Average earning assets | $600,559,500 | 1,131 |
| Average equity | $52,051,500 | 1,480 |
| Average total loans | $541,159,500 | 975 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5985% | 1,435 |
| Cost of funding earning assets | 0.5922% | 1,656 |
| Net interest margin | 4.0063% | 1,734 |
| Noninterest income to average assets | 0.3867% | 3,723 |
| Noninterest expense to average assets | 2.5020% | 3,776 |
| Loan and lease loss provision to assets | 0.1047% | 2,140 |
| Net operating income to assets | 0.8810% | 2,812 |
| Return on assets (ROA) | 0.8810% | 2,832 |
| Pretax return on assets | 1.5657% | 1,400 |
| Return on Equity (ROE) | 10.2164% | 1,799 |
| Retained earnings to average equity (ytd only) | 10.2164% | 323 |
| Net charge-offs to loans | 0.0017% | 4,057 |
| Credit loss provision to net charge-offs | 7,375.0000% | 45 |
| Earnings coverage of net charge-offs (x) | 1,176.5000% | 62 |
| Efficiency ratio | 59.9660% | 4,269 |
| Assets per employee ($millions) | 8.2360% | 587 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5720% | 5,294 |
| Loan loss allowance to noncurrent loans | 15,055.0000% | 65 |
| Noncurrent assets plus other real estate owned to assets | 0.1543% | 4,364 |
| Noncurrent loans to loans | 0.0038% | 5,046 |
| Net loans and leases to total assets | 83.6099% | 488 |
| Net loans and leases to deposits | 108.9598% | 294 |
| Net loans and leases to core deposits | 130.5121% | 328 |
| Total domestic deposits to total assets | 76.7346% | 4,895 |
| Equity capital to assets | 8.1490% | 5,328 |
| Core capital (leverage) ratio | 8.7770% | 4,880 |
| Tier 1 risk-based capital ratio | 10.6171% | 5,331 |
| Total risk-based capital ratio | 11.2634% | 5,473 |
| Memoranda: | ||
| Average total assets | $563,458,400 | 1,258 |
| Average earning assets | $532,434,400 | 1,237 |
| Average equity | $48,588,600 | 1,555 |
| Average total loans | $461,535,200 | 1,103 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6084% | 1,345 |
| Cost of funding earning assets | 0.5593% | 1,814 |
| Net interest margin | 4.0491% | 1,550 |
| Noninterest income to average assets | 0.4410% | 3,395 |
| Noninterest expense to average assets | 2.5116% | 3,693 |
| Loan and lease loss provision to assets | 0.1217% | 1,780 |
| Net operating income to assets | 0.9550% | 2,747 |
| Return on assets (ROA) | 0.9550% | 2,811 |
| Pretax return on assets | 1.6347% | 1,298 |
| Return on Equity (ROE) | 10.9034% | 1,741 |
| Retained earnings to average equity (ytd only) | 10.9034% | 426 |
| Net charge-offs to loans | 0.0024% | 3,669 |
| Credit loss provision to net charge-offs | 6,250.0000% | 77 |
| Earnings coverage of net charge-offs (x) | 901.8210% | 111 |
| Efficiency ratio | 58.8470% | 4,381 |
| Assets per employee ($millions) | 7.9240% | 651 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6075% | 5,310 |
| Loan loss allowance to noncurrent loans | 327.4664% | 1,479 |
| Noncurrent assets plus other real estate owned to assets | 0.1521% | 4,511 |
| Noncurrent loans to loans | 0.1855% | 4,329 |
| Net loans and leases to total assets | 81.4957% | 769 |
| Net loans and leases to deposits | 104.0762% | 493 |
| Net loans and leases to core deposits | 120.3347% | 580 |
| Total domestic deposits to total assets | 78.3039% | 4,670 |
| Equity capital to assets | 8.5228% | 5,272 |
| Core capital (leverage) ratio | 9.0565% | 4,678 |
| Tier 1 risk-based capital ratio | 11.3584% | 5,043 |
| Total risk-based capital ratio | 12.0446% | 5,258 |
| Memoranda: | ||
| Average total assets | $547,838,250 | 1,296 |
| Average earning assets | $517,800,500 | 1,273 |
| Average equity | $47,983,750 | 1,584 |
| Average total loans | $445,329,500 | 1,147 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6367% | 1,183 |
| Cost of funding earning assets | 0.5399% | 1,844 |
| Net interest margin | 4.0968% | 1,331 |
| Noninterest income to average assets | 0.4437% | 3,394 |
| Noninterest expense to average assets | 2.4853% | 3,791 |
| Loan and lease loss provision to assets | 0.0916% | 2,154 |
| Net operating income to assets | 1.0112% | 2,375 |
| Return on assets (ROA) | 1.0112% | 2,413 |
| Pretax return on assets | 1.7301% | 990 |
| Return on Equity (ROE) | 11.4329% | 1,483 |
| Retained earnings to average equity (ytd only) | 11.4329% | 376 |
| Net charge-offs to loans | -0.0005% | 4,116 |
| Credit loss provision to net charge-offs | -24,500.0000% | 5,141 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.7033% | 4,639 |
| Assets per employee ($millions) | 7.6616% | 698 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5950% | 5,387 |
| Loan loss allowance to noncurrent loans | 300.2245% | 1,575 |
| Noncurrent assets plus other real estate owned to assets | 0.1593% | 4,542 |
| Noncurrent loans to loans | 0.1982% | 4,326 |
| Net loans and leases to total assets | 79.9086% | 971 |
| Net loans and leases to deposits | 101.1854% | 662 |
| Net loans and leases to core deposits | 117.4374% | 665 |
| Total domestic deposits to total assets | 78.9725% | 4,626 |
| Equity capital to assets | 8.7132% | 5,131 |
| Core capital (leverage) ratio | 9.1174% | 4,594 |
| Tier 1 risk-based capital ratio | 11.6758% | 4,853 |
| Total risk-based capital ratio | 12.3404% | 5,101 |
| Memoranda: | ||
| Average total assets | $534,991,670 | 1,330 |
| Average earning assets | $504,493,000 | 1,309 |
| Average equity | $47,319,670 | 1,609 |
| Average total loans | $433,508,000 | 1,173 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6512% | 1,025 |
| Cost of funding earning assets | 0.5265% | 1,888 |
| Net interest margin | 4.1247% | 1,158 |
| Noninterest income to average assets | 0.4743% | 3,158 |
| Noninterest expense to average assets | 2.4910% | 3,837 |
| Loan and lease loss provision to assets | 0.0650% | 2,499 |
| Net operating income to assets | 1.0565% | 2,045 |
| Return on assets (ROA) | 1.0565% | 2,089 |
| Pretax return on assets | 1.8078% | 781 |
| Return on Equity (ROE) | 11.8508% | 1,287 |
| Retained earnings to average equity (ytd only) | 11.8508% | 486 |
| Net charge-offs to loans | -0.0009% | 3,964 |
| Credit loss provision to net charge-offs | -8,500.0000% | 4,755 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0827% | 4,829 |
| Assets per employee ($millions) | 8.1394% | 584 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5838% | 5,510 |
| Loan loss allowance to noncurrent loans | 281.9507% | 1,692 |
| Noncurrent assets plus other real estate owned to assets | 0.1686% | 4,581 |
| Noncurrent loans to loans | 0.2071% | 4,374 |
| Net loans and leases to total assets | 80.9513% | 701 |
| Net loans and leases to deposits | 102.1641% | 489 |
| Net loans and leases to core deposits | 113.8363% | 683 |
| Total domestic deposits to total assets | 79.2365% | 4,782 |
| Equity capital to assets | 8.9437% | 4,866 |
| Core capital (leverage) ratio | 9.1387% | 4,556 |
| Tier 1 risk-based capital ratio | 11.8949% | 4,783 |
| Total risk-based capital ratio | 12.5514% | 5,046 |
| Memoranda: | ||
| Average total assets | $522,837,500 | 1,362 |
| Average earning assets | $493,033,000 | 1,339 |
| Average equity | $46,613,000 | 1,625 |
| Average total loans | $425,460,000 | 1,190 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6981% | 1,064 |
| Cost of funding earning assets | 0.5067% | 2,037 |
| Net interest margin | 4.1914% | 1,146 |
| Noninterest income to average assets | 0.8440% | 1,603 |
| Noninterest expense to average assets | 2.7920% | 3,049 |
| Loan and lease loss provision to assets | 0.0701% | 2,953 |
| Net operating income to assets | 1.3492% | 1,097 |
| Return on assets (ROA) | 1.3492% | 1,154 |
| Pretax return on assets | 1.9462% | 567 |
| Return on Equity (ROE) | 14.4872% | 701 |
| Retained earnings to average equity (ytd only) | 10.3685% | 364 |
| Net charge-offs to loans | -0.0011% | 4,657 |
| Credit loss provision to net charge-offs | -7,625.0000% | 5,481 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.0659% | 4,842 |
| Assets per employee ($millions) | 7.8274% | 649 |
| Cash dividends to net income (ytd only)* | 28.4302% | 3,384 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5782% | 5,568 |
| Loan loss allowance to noncurrent loans | 266.0460% | 1,805 |
| Noncurrent assets plus other real estate owned to assets | 0.1767% | 4,613 |
| Noncurrent loans to loans | 0.2173% | 4,374 |
| Net loans and leases to total assets | 80.8523% | 762 |
| Net loans and leases to deposits | 100.1638% | 660 |
| Net loans and leases to core deposits | 112.4487% | 760 |
| Total domestic deposits to total assets | 80.7201% | 4,408 |
| Equity capital to assets | 8.8864% | 4,928 |
| Core capital (leverage) ratio | 9.4508% | 4,156 |
| Tier 1 risk-based capital ratio | 11.7239% | 4,911 |
| Total risk-based capital ratio | 12.3743% | 5,155 |
| Memoranda: | ||
| Average total assets | $434,852,400 | 1,563 |
| Average earning assets | $411,293,000 | 1,530 |
| Average equity | $40,497,800 | 1,831 |
| Average total loans | $356,191,000 | 1,318 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7947% | 909 |
| Cost of funding earning assets | 0.5129% | 1,993 |
| Net interest margin | 4.2818% | 962 |
| Noninterest income to average assets | 1.0257% | 1,091 |
| Noninterest expense to average assets | 2.9200% | 2,579 |
| Loan and lease loss provision to assets | 0.0676% | 2,867 |
| Net operating income to assets | 1.4932% | 889 |
| Return on assets (ROA) | 1.4932% | 936 |
| Pretax return on assets | 2.0964% | 470 |
| Return on Equity (ROE) | 15.8074% | 566 |
| Retained earnings to average equity (ytd only) | 10.1261% | 552 |
| Net charge-offs to loans | -0.0016% | 4,467 |
| Credit loss provision to net charge-offs | -5,250.0000% | 5,413 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.4358% | 4,898 |
| Assets per employee ($millions) | 7.3361% | 778 |
| Cash dividends to net income (ytd only)* | 35.9404% | 2,540 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6011% | 5,609 |
| Loan loss allowance to noncurrent loans | 240.3708% | 1,952 |
| Noncurrent assets plus other real estate owned to assets | 0.2005% | 4,631 |
| Noncurrent loans to loans | 0.2501% | 4,369 |
| Net loans and leases to total assets | 79.7150% | 930 |
| Net loans and leases to deposits | 103.9381% | 459 |
| Net loans and leases to core deposits | 119.4622% | 521 |
| Total domestic deposits to total assets | 76.6947% | 5,135 |
| Equity capital to assets | 9.2473% | 4,924 |
| Core capital (leverage) ratio | 9.3395% | 4,405 |
| Tier 1 risk-based capital ratio | 12.1423% | 4,704 |
| Total risk-based capital ratio | 12.8037% | 4,971 |
| Memoranda: | ||
| Average total assets | $414,412,750 | 1,633 |
| Average earning assets | $392,784,250 | 1,602 |
| Average equity | $39,145,250 | 1,884 |
| Average total loans | $340,208,500 | 1,375 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9198% | 690 |
| Cost of funding earning assets | 0.5217% | 1,926 |
| Net interest margin | 4.3981% | 772 |
| Noninterest income to average assets | 1.3273% | 645 |
| Noninterest expense to average assets | 3.1363% | 1,961 |
| Loan and lease loss provision to assets | 0.0383% | 3,390 |
| Net operating income to assets | 1.7630% | 511 |
| Return on assets (ROA) | 1.7630% | 544 |
| Pretax return on assets | 2.3377% | 286 |
| Return on Equity (ROE) | 18.5033% | 328 |
| Retained earnings to average equity (ytd only) | 9.5522% | 702 |
| Net charge-offs to loans | -0.0019% | 4,365 |
| Credit loss provision to net charge-offs | -2,500.0000% | 5,238 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.8964% | 5,041 |
| Assets per employee ($millions) | 7.4226% | 725 |
| Cash dividends to net income (ytd only)* | 48.3759% | 2,047 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5902% | 5,699 |
| Loan loss allowance to noncurrent loans | 205.2288% | 2,231 |
| Noncurrent assets plus other real estate owned to assets | 0.2327% | 4,559 |
| Noncurrent loans to loans | 0.2876% | 4,344 |
| Net loans and leases to total assets | 80.4533% | 837 |
| Net loans and leases to deposits | 107.4077% | 318 |
| Net loans and leases to core deposits | 124.4834% | 400 |
| Total domestic deposits to total assets | 74.9046% | 5,423 |
| Equity capital to assets | 9.4700% | 4,797 |
| Core capital (leverage) ratio | 9.8366% | 3,768 |
| Tier 1 risk-based capital ratio | 12.0249% | 4,808 |
| Total risk-based capital ratio | 12.6610% | 5,101 |
| Memoranda: | ||
| Average total assets | $391,155,330 | 1,726 |
| Average earning assets | $372,209,670 | 1,674 |
| Average equity | $37,269,000 | 1,979 |
| Average total loans | $324,177,330 | 1,437 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8805% | 720 |
| Cost of funding earning assets | 0.5820% | 1,465 |
| Net interest margin | 4.2985% | 935 |
| Noninterest income to average assets | 2.4731% | 256 |
| Noninterest expense to average assets | 3.3895% | 1,400 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 2.6907% | 123 |
| Return on assets (ROA) | 2.6907% | 123 |
| Pretax return on assets | 3.1842% | 117 |
| Return on Equity (ROE) | 28.1300% | 67 |
| Retained earnings to average equity (ytd only) | 8.5715% | 1,238 |
| Net charge-offs to loans | -0.0013% | 4,090 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.5612% | 5,538 |
| Assets per employee ($millions) | 6.6397% | 1,036 |
| Cash dividends to net income (ytd only)* | 69.5290% | 1,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5852% | 5,762 |
| Loan loss allowance to noncurrent loans | 196.3889% | 2,256 |
| Noncurrent assets plus other real estate owned to assets | 0.2465% | 4,569 |
| Noncurrent loans to loans | 0.2980% | 4,365 |
| Net loans and leases to total assets | 82.2180% | 533 |
| Net loans and leases to deposits | 108.0623% | 280 |
| Net loans and leases to core deposits | 119.5012% | 478 |
| Total domestic deposits to total assets | 76.0839% | 5,402 |
| Equity capital to assets | 9.6847% | 4,464 |
| Core capital (leverage) ratio | 10.9526% | 2,448 |
| Tier 1 risk-based capital ratio | 12.1583% | 4,807 |
| Total risk-based capital ratio | 12.7833% | 5,120 |
| Memoranda: | ||
| Average total assets | $356,633,000 | 1,878 |
| Average earning assets | $340,212,000 | 1,827 |
| Average equity | $34,113,000 | 2,136 |
| Average total loans | $300,044,000 | 1,521 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4666% | 1,697 |
| Cost of funding earning assets | 0.6561% | 1,036 |
| Net interest margin | 3.8106% | 2,336 |
| Noninterest income to average assets | 0.3575% | 4,346 |
| Noninterest expense to average assets | 2.4602% | 4,356 |
| Loan and lease loss provision to assets | 0.1019% | 2,284 |
| Net operating income to assets | 0.8720% | 3,013 |
| Return on assets (ROA) | 0.8720% | 3,093 |
| Pretax return on assets | 1.4868% | 1,601 |
| Return on Equity (ROE) | 8.8121% | 2,555 |
| Retained earnings to average equity (ytd only) | 8.3075% | 822 |
| Net charge-offs to loans | 0.0000% | 4,462 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 60.7636% | 4,792 |
| Assets per employee ($millions) | 8.0896% | 537 |
| Cash dividends to net income (ytd only)* | 5.7261% | 4,169 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8920% | 5,111 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,750 |
| Noncurrent loans to loans | 0.0000% | 5,583 |
| Net loans and leases to total assets | 85.6406% | 258 |
| Net loans and leases to deposits | 124.9812% | 70 |
| Net loans and leases to core deposits | 145.1283% | 136 |
| Total domestic deposits to total assets | 68.5228% | 5,955 |
| Equity capital to assets | 9.3751% | 4,704 |
| Core capital (leverage) ratio | 9.3307% | 4,429 |
| Tier 1 risk-based capital ratio | 11.4641% | 5,274 |
| Total risk-based capital ratio | 12.4469% | 5,321 |
| Memoranda: | ||
| Average total assets | $250,344,400 | 2,504 |
| Average earning assets | $242,510,400 | 2,400 |
| Average equity | $24,772,800 | 2,712 |
| Average total loans | $212,662,600 | 1,976 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4477% | 1,765 |
| Cost of funding earning assets | 0.6455% | 1,121 |
| Net interest margin | 3.8022% | 2,371 |
| Noninterest income to average assets | 0.4538% | 3,684 |
| Noninterest expense to average assets | 2.4108% | 4,481 |
| Loan and lease loss provision to assets | 0.1283% | 1,764 |
| Net operating income to assets | 0.9354% | 2,777 |
| Return on assets (ROA) | 0.9354% | 2,874 |
| Pretax return on assets | 1.5939% | 1,400 |
| Return on Equity (ROE) | 9.3148% | 2,409 |
| Retained earnings to average equity (ytd only) | 8.6351% | 1,025 |
| Net charge-offs to loans | 0.0000% | 4,182 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 58.3300% | 5,080 |
| Assets per employee ($millions) | 8.5587% | 435 |
| Cash dividends to net income (ytd only)* | 7.2970% | 3,649 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9300% | 5,069 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,840 |
| Noncurrent loans to loans | 0.0000% | 5,684 |
| Net loans and leases to total assets | 84.3175% | 364 |
| Net loans and leases to deposits | 115.3416% | 160 |
| Net loans and leases to core deposits | 132.2230% | 250 |
| Total domestic deposits to total assets | 73.1024% | 5,779 |
| Equity capital to assets | 9.5450% | 4,699 |
| Core capital (leverage) ratio | 9.5619% | 4,219 |
| Tier 1 risk-based capital ratio | 11.8660% | 5,157 |
| Total risk-based capital ratio | 12.8930% | 5,220 |
| Memoranda: | ||
| Average total assets | $244,168,750 | 2,565 |
| Average earning assets | $236,280,000 | 2,470 |
| Average equity | $24,519,500 | 2,754 |
| Average total loans | $206,410,250 | 2,033 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4501% | 1,692 |
| Cost of funding earning assets | 0.6322% | 1,217 |
| Net interest margin | 3.8178% | 2,247 |
| Noninterest income to average assets | 0.5896% | 2,802 |
| Noninterest expense to average assets | 2.4460% | 4,407 |
| Loan and lease loss provision to assets | 0.1982% | 996 |
| Net operating income to assets | 0.9582% | 2,596 |
| Return on assets (ROA) | 0.9582% | 2,710 |
| Pretax return on assets | 1.6329% | 1,246 |
| Return on Equity (ROE) | 9.3687% | 2,354 |
| Retained earnings to average equity (ytd only) | 9.3687% | 812 |
| Net charge-offs to loans | 0.0000% | 3,893 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.1879% | 5,315 |
| Assets per employee ($millions) | 8.4008% | 450 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9869% | 4,931 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,929 |
| Noncurrent loans to loans | 0.0000% | 5,787 |
| Net loans and leases to total assets | 83.5967% | 403 |
| Net loans and leases to deposits | 116.5733% | 142 |
| Net loans and leases to core deposits | 131.4977% | 253 |
| Total domestic deposits to total assets | 71.7117% | 5,948 |
| Equity capital to assets | 9.8693% | 4,188 |
| Core capital (leverage) ratio | 10.2266% | 3,304 |
| Tier 1 risk-based capital ratio | 12.1667% | 5,022 |
| Total risk-based capital ratio | 13.2392% | 5,059 |
| Memoranda: | ||
| Average total assets | $237,118,000 | 2,638 |
| Average earning assets | $229,030,670 | 2,547 |
| Average equity | $24,251,000 | 2,780 |
| Average total loans | $199,943,000 | 2,090 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2561% | 2,249 |
| Cost of funding earning assets | 0.6145% | 1,334 |
| Net interest margin | 3.6416% | 2,849 |
| Noninterest income to average assets | 0.4006% | 4,000 |
| Noninterest expense to average assets | 2.5306% | 4,170 |
| Loan and lease loss provision to assets | 0.1742% | 1,127 |
| Net operating income to assets | 0.7071% | 3,760 |
| Return on assets (ROA) | 0.7071% | 3,886 |
| Pretax return on assets | 1.2052% | 2,644 |
| Return on Equity (ROE) | 6.7836% | 3,616 |
| Retained earnings to average equity (ytd only) | 6.7836% | 2,105 |
| Net charge-offs to loans | 0.0000% | 3,288 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.7216% | 4,359 |
| Assets per employee ($millions) | 9.2086% | 335 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9655% | 5,193 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 5,987 |
| Noncurrent loans to loans | 0.0000% | 5,830 |
| Net loans and leases to total assets | 84.1882% | 299 |
| Net loans and leases to deposits | 115.5132% | 139 |
| Net loans and leases to core deposits | 130.2569% | 244 |
| Total domestic deposits to total assets | 72.8819% | 5,985 |
| Equity capital to assets | 10.0838% | 4,044 |
| Core capital (leverage) ratio | 10.5918% | 2,857 |
| Tier 1 risk-based capital ratio | 12.2095% | 5,100 |
| Total risk-based capital ratio | 13.2493% | 5,133 |
| Memoranda: | ||
| Average total assets | $229,665,500 | 2,725 |
| Average earning assets | $221,330,500 | 2,631 |
| Average equity | $23,940,000 | 2,833 |
| Average total loans | $193,523,000 | 2,140 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9802% | 3,795 |
| Cost of funding earning assets | 0.5976% | 1,778 |
| Net interest margin | 3.3825% | 4,266 |
| Noninterest income to average assets | 0.2595% | 5,275 |
| Noninterest expense to average assets | 2.7299% | 3,752 |
| Loan and lease loss provision to assets | 0.0772% | 2,930 |
| Net operating income to assets | 0.3943% | 5,239 |
| Return on assets (ROA) | 0.3943% | 5,308 |
| Pretax return on assets | 0.6806% | 4,689 |
| Return on Equity (ROE) | 3.4992% | 5,293 |
| Retained earnings to average equity (ytd only) | 3.0423% | 4,076 |
| Net charge-offs to loans | 0.0000% | 4,970 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.2731% | 2,169 |
| Assets per employee ($millions) | 8.4580% | 446 |
| Cash dividends to net income (ytd only)* | 13.0548% | 4,039 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0163% | 4,961 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,115 |
| Noncurrent loans to loans | 0.0000% | 5,950 |
| Net loans and leases to total assets | 82.6027% | 468 |
| Net loans and leases to deposits | 109.7842% | 242 |
| Net loans and leases to core deposits | 124.6740% | 307 |
| Total domestic deposits to total assets | 75.2410% | 5,830 |
| Equity capital to assets | 10.7941% | 3,126 |
| Core capital (leverage) ratio | 11.3327% | 2,103 |
| Tier 1 risk-based capital ratio | 12.8303% | 4,840 |
| Total risk-based capital ratio | 13.9149% | 4,851 |
| Memoranda: | ||
| Average total assets | $194,254,200 | 3,058 |
| Average earning assets | $185,394,200 | 2,970 |
| Average equity | $21,891,000 | 2,960 |
| Average total loans | $150,239,400 | 2,564 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8653% | 4,300 |
| Cost of funding earning assets | 0.6110% | 1,750 |
| Net interest margin | 3.2543% | 4,780 |
| Noninterest income to average assets | 0.1916% | 5,769 |
| Noninterest expense to average assets | 2.8286% | 3,357 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.2640% | 5,699 |
| Return on assets (ROA) | 0.2640% | 5,765 |
| Pretax return on assets | 0.4592% | 5,438 |
| Return on Equity (ROE) | 2.3145% | 5,758 |
| Retained earnings to average equity (ytd only) | 2.3145% | 4,895 |
| Net charge-offs to loans | 0.0000% | 4,696 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0320% | 1,181 |
| Assets per employee ($millions) | 8.0499% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0620% | 4,934 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,218 |
| Noncurrent loans to loans | 0.0000% | 6,061 |
| Net loans and leases to total assets | 76.3395% | 1,176 |
| Net loans and leases to deposits | 103.2925% | 440 |
| Net loans and leases to core deposits | 113.8759% | 589 |
| Total domestic deposits to total assets | 73.9061% | 6,024 |
| Equity capital to assets | 11.1931% | 2,767 |
| Core capital (leverage) ratio | 11.4976% | 2,066 |
| Tier 1 risk-based capital ratio | 13.7449% | 4,390 |
| Total risk-based capital ratio | 14.8780% | 4,397 |
| Memoranda: | ||
| Average total assets | $187,840,750 | 3,154 |
| Average earning assets | $178,711,750 | 3,081 |
| Average equity | $21,429,500 | 3,009 |
| Average total loans | $141,920,500 | 2,698 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9256% | 4,034 |
| Cost of funding earning assets | 0.6444% | 1,551 |
| Net interest margin | 3.2812% | 4,664 |
| Noninterest income to average assets | 0.1981% | 5,772 |
| Noninterest expense to average assets | 2.9576% | 2,975 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.2103% | 5,801 |
| Return on assets (ROA) | 0.2103% | 5,859 |
| Pretax return on assets | 0.3686% | 5,644 |
| Return on Equity (ROE) | 1.8301% | 5,883 |
| Retained earnings to average equity (ytd only) | 1.8301% | 4,974 |
| Net charge-offs to loans | 0.0000% | 4,375 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.9185% | 999 |
| Assets per employee ($millions) | 7.4404% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2622% | 4,069 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,288 |
| Noncurrent loans to loans | 0.0000% | 6,120 |
| Net loans and leases to total assets | 72.1219% | 1,724 |
| Net loans and leases to deposits | 97.1673% | 725 |
| Net loans and leases to core deposits | 104.5758% | 981 |
| Total domestic deposits to total assets | 74.2245% | 6,094 |
| Equity capital to assets | 11.8429% | 2,108 |
| Core capital (leverage) ratio | 11.0357% | 2,388 |
| Tier 1 risk-based capital ratio | 15.2030% | 3,526 |
| Total risk-based capital ratio | 16.4539% | 3,471 |
| Memoranda: | ||
| Average total assets | $180,688,330 | 3,242 |
| Average earning assets | $172,254,670 | 3,168 |
| Average equity | $20,763,670 | 3,089 |
| Average total loans | $135,396,670 | 2,789 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9275% | 3,978 |
| Cost of funding earning assets | 0.6581% | 1,533 |
| Net interest margin | 3.2694% | 4,675 |
| Noninterest income to average assets | 0.3056% | 4,909 |
| Noninterest expense to average assets | 3.0243% | 2,790 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.2337% | 5,706 |
| Return on assets (ROA) | 0.2337% | 5,754 |
| Pretax return on assets | 0.4067% | 5,433 |
| Return on Equity (ROE) | 2.0665% | 5,767 |
| Retained earnings to average equity (ytd only) | 2.0665% | 4,778 |
| Net charge-offs to loans | 0.0000% | 3,660 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1467% | 1,214 |
| Assets per employee ($millions) | 7.5404% | 616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2807% | 4,222 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,361 |
| Noncurrent loans to loans | 0.0000% | 6,210 |
| Net loans and leases to total assets | 73.0513% | 1,423 |
| Net loans and leases to deposits | 93.7536% | 815 |
| Net loans and leases to core deposits | 103.1611% | 914 |
| Total domestic deposits to total assets | 77.9184% | 5,844 |
| Equity capital to assets | 11.1549% | 2,569 |
| Core capital (leverage) ratio | 10.1903% | 3,306 |
| Tier 1 risk-based capital ratio | 14.1381% | 4,231 |
| Total risk-based capital ratio | 15.3897% | 4,183 |
| Memoranda: | ||
| Average total assets | $178,027,500 | 3,299 |
| Average earning assets | $170,186,000 | 3,218 |
| Average equity | $20,131,000 | 3,162 |
| Average total loans | $135,160,500 | 2,810 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2937% | 2,982 |
| Cost of funding earning assets | 0.5151% | 3,452 |
| Net interest margin | 3.7786% | 2,728 |
| Noninterest income to average assets | 0.1388% | 6,246 |
| Noninterest expense to average assets | 3.3548% | 1,985 |
| Loan and lease loss provision to assets | -0.1439% | 6,535 |
| Net operating income to assets | 2.3492% | 200 |
| Return on assets (ROA) | 2.3492% | 205 |
| Pretax return on assets | 0.5265% | 5,115 |
| Return on Equity (ROE) | 18.9103% | 346 |
| Retained earnings to average equity (ytd only) | 18.9103% | 94 |
| Net charge-offs to loans | 0.0000% | 5,475 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.7614% | 1,044 |
| Assets per employee ($millions) | 7.2952% | 657 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2573% | 4,360 |
| Loan loss allowance to noncurrent loans | 81.4340% | 4,141 |
| Noncurrent assets plus other real estate owned to assets | 1.2028% | 2,994 |
| Noncurrent loans to loans | 1.5439% | 2,579 |
| Net loans and leases to total assets | 76.9283% | 964 |
| Net loans and leases to deposits | 99.4301% | 509 |
| Net loans and leases to core deposits | 109.2678% | 639 |
| Total domestic deposits to total assets | 77.3693% | 5,918 |
| Equity capital to assets | 11.4659% | 2,193 |
| Core capital (leverage) ratio | 10.4694% | 2,951 |
| Tier 1 risk-based capital ratio | 13.9542% | 4,324 |
| Total risk-based capital ratio | 15.2055% | 4,263 |
| Memoranda: | ||
| Average total assets | $139,024,600 | 3,895 |
| Average earning assets | $132,402,800 | 3,791 |
| Average equity | $17,271,000 | 3,525 |
| Average total loans | $112,026,400 | 3,209 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3465% | 2,805 |
| Cost of funding earning assets | 0.4547% | 4,224 |
| Net interest margin | 3.8917% | 2,307 |
| Noninterest income to average assets | 0.1067% | 6,462 |
| Noninterest expense to average assets | 3.4848% | 1,640 |
| Loan and lease loss provision to assets | -0.2051% | 6,723 |
| Net operating income to assets | 0.5220% | 4,707 |
| Return on assets (ROA) | 0.5220% | 4,856 |
| Pretax return on assets | 0.5220% | 5,293 |
| Return on Equity (ROE) | 4.0957% | 5,176 |
| Retained earnings to average equity (ytd only) | 4.0957% | 3,776 |
| Net charge-offs to loans | 0.0000% | 5,212 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.6644% | 875 |
| Assets per employee ($millions) | 6.9155% | 781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3500% | 4,136 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,542 |
| Noncurrent loans to loans | 0.0000% | 6,405 |
| Net loans and leases to total assets | 78.7911% | 669 |
| Net loans and leases to deposits | 98.5833% | 531 |
| Net loans and leases to core deposits | 107.7918% | 675 |
| Total domestic deposits to total assets | 79.9234% | 5,526 |
| Equity capital to assets | 10.8698% | 2,894 |
| Core capital (leverage) ratio | 12.4270% | 1,455 |
| Tier 1 risk-based capital ratio | 14.2333% | 4,267 |
| Total risk-based capital ratio | 15.4854% | 4,209 |
| Memoranda: | ||
| Average total assets | $130,009,500 | 4,116 |
| Average earning assets | $123,438,000 | 4,020 |
| Average equity | $16,570,000 | 3,661 |
| Average total loans | $105,931,750 | 3,349 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4206% | 2,489 |
| Cost of funding earning assets | 0.4403% | 4,539 |
| Net interest margin | 3.9803% | 1,931 |
| Noninterest income to average assets | 0.1097% | 6,497 |
| Noninterest expense to average assets | 3.6617% | 1,310 |
| Loan and lease loss provision to assets | -0.3324% | 6,840 |
| Net operating income to assets | 0.5369% | 4,630 |
| Return on assets (ROA) | 0.5369% | 4,798 |
| Pretax return on assets | 0.5369% | 5,248 |
| Return on Equity (ROE) | 3.9558% | 5,230 |
| Retained earnings to average equity (ytd only) | 3.9558% | 3,775 |
| Net charge-offs to loans | 0.0000% | 4,909 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 94.7120% | 723 |
| Assets per employee ($millions) | 5.5751% | 1,517 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5124% | 3,527 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,597 |
| Noncurrent loans to loans | 0.0000% | 6,469 |
| Net loans and leases to total assets | 83.4681% | 270 |
| Net loans and leases to deposits | 109.2533% | 157 |
| Net loans and leases to core deposits | 116.5953% | 379 |
| Total domestic deposits to total assets | 76.3987% | 6,211 |
| Equity capital to assets | 12.7599% | 1,436 |
| Core capital (leverage) ratio | 14.4750% | 708 |
| Tier 1 risk-based capital ratio | 15.9041% | 3,254 |
| Total risk-based capital ratio | 17.1588% | 3,194 |
| Memoranda: | ||
| Average total assets | $120,327,330 | 4,338 |
| Average earning assets | $113,559,670 | 4,261 |
| Average equity | $16,330,330 | 3,718 |
| Average total loans | $98,896,670 | 3,518 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2151% | 3,237 |
| Cost of funding earning assets | 0.4526% | 4,567 |
| Net interest margin | 3.7626% | 2,601 |
| Noninterest income to average assets | 0.0951% | 6,589 |
| Noninterest expense to average assets | 3.8454% | 1,059 |
| Loan and lease loss provision to assets | -0.7043% | 6,983 |
| Net operating income to assets | 0.4965% | 4,685 |
| Return on assets (ROA) | 0.4965% | 4,839 |
| Pretax return on assets | 0.4965% | 5,271 |
| Return on Equity (ROE) | 3.5341% | 5,324 |
| Retained earnings to average equity (ytd only) | 3.5341% | 4,123 |
| Net charge-offs to loans | 0.0000% | 4,145 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 105.7115% | 402 |
| Assets per employee ($millions) | 5.0211% | 2,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8087% | 2,589 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,664 |
| Noncurrent loans to loans | 0.0000% | 6,535 |
| Net loans and leases to total assets | 80.6217% | 373 |
| Net loans and leases to deposits | 99.1396% | 386 |
| Net loans and leases to core deposits | 106.1315% | 636 |
| Total domestic deposits to total assets | 81.3214% | 5,411 |
| Equity capital to assets | 13.9447% | 1,046 |
| Core capital (leverage) ratio | 14.6007% | 650 |
| Tier 1 risk-based capital ratio | 17.5072% | 2,556 |
| Total risk-based capital ratio | 18.7650% | 2,518 |
| Memoranda: | ||
| Average total assets | $113,590,000 | 4,533 |
| Average earning assets | $106,948,000 | 4,447 |
| Average equity | $15,959,000 | 3,828 |
| Average total loans | $91,646,500 | 3,701 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6486% | 2,802 |
| Cost of funding earning assets | 0.6085% | 4,263 |
| Net interest margin | 4.0401% | 2,238 |
| Noninterest income to average assets | 0.1032% | 6,493 |
| Noninterest expense to average assets | 3.6320% | 1,539 |
| Loan and lease loss provision to assets | -0.0019% | 6,809 |
| Net operating income to assets | 0.3625% | 5,245 |
| Return on assets (ROA) | 0.3625% | 5,470 |
| Pretax return on assets | 0.2928% | 5,835 |
| Return on Equity (ROE) | 2.8529% | 5,607 |
| Retained earnings to average equity (ytd only) | 2.8529% | 4,231 |
| Net charge-offs to loans | 0.0000% | 5,985 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 92.5847% | 883 |
| Assets per employee ($millions) | 5.0770% | 2,130 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1645% | 1,617 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,725 |
| Noncurrent loans to loans | 0.0000% | 6,599 |
| Net loans and leases to total assets | 77.4941% | 731 |
| Net loans and leases to deposits | 95.7415% | 633 |
| Net loans and leases to core deposits | 102.7749% | 845 |
| Total domestic deposits to total assets | 80.9410% | 5,425 |
| Equity capital to assets | 14.1582% | 983 |
| Core capital (leverage) ratio | 14.1626% | 759 |
| Tier 1 risk-based capital ratio | 18.0870% | 2,229 |
| Total risk-based capital ratio | 19.3485% | 2,203 |
| Memoranda: | ||
| Average total assets | $107,598,000 | 4,646 |
| Average earning assets | $101,730,600 | 4,556 |
| Average equity | $13,670,200 | 4,227 |
| Average total loans | $87,793,000 | 3,800 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7319% | 2,663 |
| Cost of funding earning assets | 0.6509% | 4,192 |
| Net interest margin | 4.0811% | 2,165 |
| Noninterest income to average assets | 0.1038% | 6,605 |
| Noninterest expense to average assets | 3.6093% | 1,541 |
| Loan and lease loss provision to assets | -0.0025% | 6,942 |
| Net operating income to assets | 0.3566% | 5,410 |
| Return on assets (ROA) | 0.3566% | 5,615 |
| Pretax return on assets | 0.3566% | 5,821 |
| Return on Equity (ROE) | 2.8931% | 5,710 |
| Retained earnings to average equity (ytd only) | 2.8931% | 4,817 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 91.0669% | 957 |
| Assets per employee ($millions) | 5.7078% | 1,451 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2331% | 1,644 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,825 |
| Noncurrent loans to loans | 0.0000% | 6,696 |
| Net loans and leases to total assets | 77.3073% | 816 |
| Net loans and leases to deposits | 93.1410% | 863 |
| Net loans and leases to core deposits | 100.6350% | 1,078 |
| Total domestic deposits to total assets | 83.0003% | 4,637 |
| Equity capital to assets | 13.6313% | 1,292 |
| Core capital (leverage) ratio | 14.4828% | 710 |
| Tier 1 risk-based capital ratio | 17.6718% | 2,474 |
| Total risk-based capital ratio | 18.9354% | 2,437 |
| Memoranda: | ||
| Average total assets | $106,573,750 | 4,718 |
| Average earning assets | $100,788,000 | 4,627 |
| Average equity | $13,134,250 | 4,372 |
| Average total loans | $87,623,250 | 3,844 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8295% | 2,386 |
| Cost of funding earning assets | 0.7007% | 4,009 |
| Net interest margin | 4.1288% | 1,976 |
| Noninterest income to average assets | 0.1095% | 6,634 |
| Noninterest expense to average assets | 3.6433% | 1,483 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3813% | 5,289 |
| Return on assets (ROA) | 0.3813% | 5,522 |
| Pretax return on assets | 0.3813% | 5,749 |
| Return on Equity (ROE) | 3.2103% | 5,603 |
| Retained earnings to average equity (ytd only) | 3.2103% | 4,479 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.5253% | 1,038 |
| Assets per employee ($millions) | 6.2335% | 1,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2576% | 1,661 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,881 |
| Noncurrent loans to loans | 0.0000% | 6,740 |
| Net loans and leases to total assets | 78.3222% | 688 |
| Net loans and leases to deposits | 97.7701% | 541 |
| Net loans and leases to core deposits | 105.4773% | 770 |
| Total domestic deposits to total assets | 80.1085% | 5,711 |
| Equity capital to assets | 11.9619% | 2,179 |
| Core capital (leverage) ratio | 12.1596% | 1,514 |
| Tier 1 risk-based capital ratio | 15.4215% | 3,498 |
| Total risk-based capital ratio | 16.6855% | 3,448 |
| Memoranda: | ||
| Average total assets | $105,948,670 | 4,752 |
| Average earning assets | $100,465,000 | 4,660 |
| Average equity | $12,584,670 | 4,482 |
| Average total loans | $88,246,330 | 3,846 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0597% | 1,688 |
| Cost of funding earning assets | 0.6797% | 4,467 |
| Net interest margin | 4.3801% | 1,275 |
| Noninterest income to average assets | 0.1019% | 6,739 |
| Noninterest expense to average assets | 3.7607% | 1,277 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.5022% | 4,820 |
| Return on assets (ROA) | 0.5022% | 5,031 |
| Pretax return on assets | 0.5022% | 5,423 |
| Return on Equity (ROE) | 4.2428% | 5,171 |
| Retained earnings to average equity (ytd only) | 4.2428% | 4,045 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.2197% | 1,263 |
| Assets per employee ($millions) | 6.8062% | 839 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0820% | 2,145 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 6,966 |
| Noncurrent loans to loans | 0.0000% | 6,812 |
| Net loans and leases to total assets | 82.7886% | 235 |
| Net loans and leases to deposits | 97.0087% | 479 |
| Net loans and leases to core deposits | 106.2396% | 663 |
| Total domestic deposits to total assets | 85.3415% | 3,860 |
| Equity capital to assets | 11.5759% | 2,369 |
| Core capital (leverage) ratio | 12.1342% | 1,515 |
| Tier 1 risk-based capital ratio | 14.4748% | 4,129 |
| Total risk-based capital ratio | 15.7368% | 4,080 |
| Memoranda: | ||
| Average total assets | $105,938,000 | 4,790 |
| Average earning assets | $100,638,000 | 4,685 |
| Average equity | $12,539,000 | 4,501 |
| Average total loans | $89,912,000 | 3,834 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0201% | 2,793 |
| Cost of funding earning assets | 0.6759% | 5,677 |
| Net interest margin | 4.3442% | 1,561 |
| Noninterest income to average assets | 0.1565% | 6,370 |
| Noninterest expense to average assets | 3.8554% | 1,247 |
| Loan and lease loss provision to assets | -0.1058% | 7,280 |
| Net operating income to assets | 0.5902% | 4,052 |
| Return on assets (ROA) | 0.5902% | 4,228 |
| Pretax return on assets | 0.5267% | 4,912 |
| Return on Equity (ROE) | 4.5868% | 4,579 |
| Retained earnings to average equity (ytd only) | 4.5868% | 2,911 |
| Net charge-offs to loans | -0.3187% | 7,250 |
| Credit loss provision to net charge-offs | 40.0000% | 5,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1558% | 1,177 |
| Assets per employee ($millions) | 6.0575% | 1,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1846% | 1,826 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,026 |
| Noncurrent loans to loans | 0.0000% | 6,879 |
| Net loans and leases to total assets | 83.3526% | 244 |
| Net loans and leases to deposits | 104.4057% | 300 |
| Net loans and leases to core deposits | 115.7713% | 450 |
| Total domestic deposits to total assets | 79.8353% | 5,782 |
| Equity capital to assets | 12.1114% | 2,037 |
| Core capital (leverage) ratio | 13.0161% | 1,131 |
| Tier 1 risk-based capital ratio | 14.9783% | 3,651 |
| Total risk-based capital ratio | 16.2417% | 3,602 |
| Memoranda: | ||
| Average total assets | $94,543,400 | 5,063 |
| Average earning assets | $89,659,400 | 4,947 |
| Average equity | $12,165,400 | 4,515 |
| Average total loans | $78,453,400 | 4,196 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0932% | 2,636 |
| Cost of funding earning assets | 0.6798% | 5,880 |
| Net interest margin | 4.4134% | 1,368 |
| Noninterest income to average assets | 0.1774% | 6,318 |
| Noninterest expense to average assets | 3.9580% | 1,055 |
| Loan and lease loss provision to assets | -0.1442% | 7,372 |
| Net operating income to assets | 0.5496% | 4,323 |
| Return on assets (ROA) | 0.5496% | 4,502 |
| Pretax return on assets | 0.5496% | 4,976 |
| Return on Equity (ROE) | 4.2022% | 4,916 |
| Retained earnings to average equity (ytd only) | 4.2022% | 3,743 |
| Net charge-offs to loans | -0.4378% | 7,337 |
| Credit loss provision to net charge-offs | 40.0000% | 5,240 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.7107% | 1,126 |
| Assets per employee ($millions) | 5.5318% | 1,570 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4980% | 1,404 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,097 |
| Noncurrent loans to loans | 0.0000% | 6,971 |
| Net loans and leases to total assets | 79.5661% | 553 |
| Net loans and leases to deposits | 95.4851% | 729 |
| Net loans and leases to core deposits | 106.4474% | 842 |
| Total domestic deposits to total assets | 83.3284% | 4,548 |
| Equity capital to assets | 13.0732% | 1,582 |
| Core capital (leverage) ratio | 13.7340% | 977 |
| Tier 1 risk-based capital ratio | 16.5522% | 2,837 |
| Total risk-based capital ratio | 17.8192% | 2,791 |
| Memoranda: | ||
| Average total assets | $92,435,000 | 5,156 |
| Average earning assets | $87,670,250 | 5,043 |
| Average equity | $12,088,750 | 4,541 |
| Average total loans | $76,129,000 | 4,314 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1526% | 2,449 |
| Cost of funding earning assets | 0.6841% | 6,045 |
| Net interest margin | 4.4685% | 1,206 |
| Noninterest income to average assets | 0.1937% | 6,282 |
| Noninterest expense to average assets | 3.9826% | 1,075 |
| Loan and lease loss provision to assets | 0.0000% | 6,217 |
| Net operating income to assets | 0.4614% | 4,672 |
| Return on assets (ROA) | 0.4614% | 4,805 |
| Pretax return on assets | 0.4614% | 5,186 |
| Return on Equity (ROE) | 3.5274% | 5,155 |
| Retained earnings to average equity (ytd only) | 3.5274% | 4,003 |
| Net charge-offs to loans | 0.0000% | 5,875 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.6180% | 1,266 |
| Assets per employee ($millions) | 5.5398% | 1,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3802% | 1,624 |
| Loan loss allowance to noncurrent loans | 17,670.0000% | 36 |
| Noncurrent assets plus other real estate owned to assets | 0.0113% | 7,095 |
| Noncurrent loans to loans | 0.0135% | 6,972 |
| Net loans and leases to total assets | 81.7625% | 389 |
| Net loans and leases to deposits | 99.0488% | 539 |
| Net loans and leases to core deposits | 104.1714% | 1,033 |
| Total domestic deposits to total assets | 82.5477% | 4,974 |
| Equity capital to assets | 13.6762% | 1,214 |
| Core capital (leverage) ratio | 13.1716% | 1,096 |
| Tier 1 risk-based capital ratio | 16.5157% | 2,735 |
| Total risk-based capital ratio | 17.7800% | 2,682 |
| Memoranda: | ||
| Average total assets | $91,900,000 | 5,214 |
| Average earning assets | $87,412,000 | 5,081 |
| Average equity | $12,020,330 | 4,555 |
| Average total loans | $75,925,000 | 4,348 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1067% | 2,613 |
| Cost of funding earning assets | 0.6719% | 6,289 |
| Net interest margin | 4.4348% | 1,207 |
| Noninterest income to average assets | 0.1796% | 6,436 |
| Noninterest expense to average assets | 3.8917% | 1,181 |
| Loan and lease loss provision to assets | 0.0000% | 5,840 |
| Net operating income to assets | 0.5217% | 4,397 |
| Return on assets (ROA) | 0.5217% | 4,483 |
| Pretax return on assets | 0.5217% | 4,953 |
| Return on Equity (ROE) | 4.0770% | 4,857 |
| Retained earnings to average equity (ytd only) | 4.0770% | 3,715 |
| Net charge-offs to loans | 0.0000% | 5,107 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.1783% | 1,492 |
| Assets per employee ($millions) | 6.1602% | 1,101 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2748% | 1,804 |
| Loan loss allowance to noncurrent loans | 11,780.0000% | 52 |
| Noncurrent assets plus other real estate owned to assets | 0.0162% | 7,150 |
| Noncurrent loans to loans | 0.0193% | 7,015 |
| Net loans and leases to total assets | 82.1499% | 336 |
| Net loans and leases to deposits | 98.4706% | 548 |
| Net loans and leases to core deposits | 99.1277% | 1,418 |
| Total domestic deposits to total assets | 83.4259% | 4,733 |
| Equity capital to assets | 13.0201% | 1,372 |
| Core capital (leverage) ratio | 13.2839% | 1,031 |
| Tier 1 risk-based capital ratio | 15.6002% | 3,103 |
| Total risk-based capital ratio | 16.8631% | 3,057 |
| Memoranda: | ||
| Average total assets | $93,532,000 | 5,187 |
| Average earning assets | $89,294,000 | 5,047 |
| Average equity | $11,969,500 | 4,553 |
| Average total loans | $76,768,500 | 4,364 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4972% | 2,296 |
| Cost of funding earning assets | 1.0286% | 5,542 |
| Net interest margin | 4.4686% | 1,303 |
| Noninterest income to average assets | 0.1016% | 6,888 |
| Noninterest expense to average assets | 3.6889% | 1,727 |
| Loan and lease loss provision to assets | 0.2074% | 5,173 |
| Net operating income to assets | 0.4584% | 4,275 |
| Return on assets (ROA) | 0.6513% | 3,580 |
| Pretax return on assets | 0.6513% | 4,162 |
| Return on Equity (ROE) | 5.3957% | 3,904 |
| Retained earnings to average equity (ytd only) | 5.3957% | 2,182 |
| Net charge-offs to loans | -0.0745% | 7,481 |
| Credit loss provision to net charge-offs | -327.8689% | 7,089 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 84.7106% | 1,835 |
| Assets per employee ($millions) | 6.7615% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3293% | 1,649 |
| Loan loss allowance to noncurrent loans | 7,068.0000% | 76 |
| Noncurrent assets plus other real estate owned to assets | 0.0264% | 7,179 |
| Noncurrent loans to loans | 0.0330% | 7,048 |
| Net loans and leases to total assets | 78.2730% | 901 |
| Net loans and leases to deposits | 105.2173% | 353 |
| Net loans and leases to core deposits | 107.2132% | 1,107 |
| Total domestic deposits to total assets | 74.3918% | 6,844 |
| Equity capital to assets | 12.5796% | 1,585 |
| Core capital (leverage) ratio | 13.1788% | 1,066 |
| Tier 1 risk-based capital ratio | 15.6195% | 2,942 |
| Total risk-based capital ratio | 16.8827% | 2,893 |
| Memoranda: | ||
| Average total assets | $96,423,400 | 5,095 |
| Average earning assets | $91,773,800 | 4,952 |
| Average equity | $11,639,000 | 4,707 |
| Average total loans | $81,852,200 | 4,287 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5933% | 2,090 |
| Cost of funding earning assets | 1.1250% | 5,284 |
| Net interest margin | 4.4682% | 1,328 |
| Noninterest income to average assets | 0.1019% | 7,040 |
| Noninterest expense to average assets | 3.7385% | 1,499 |
| Loan and lease loss provision to assets | 0.1927% | 5,114 |
| Net operating income to assets | 0.4129% | 4,692 |
| Return on assets (ROA) | 0.6690% | 3,710 |
| Pretax return on assets | 0.6690% | 4,354 |
| Return on Equity (ROE) | 5.5997% | 4,005 |
| Retained earnings to average equity (ytd only) | 5.5997% | 2,593 |
| Net charge-offs to loans | -0.0976% | 7,549 |
| Credit loss provision to net charge-offs | -229.5082% | 6,960 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 86.0583% | 1,625 |
| Assets per employee ($millions) | 7.1003% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1215% | 1,951 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,384 |
| Noncurrent loans to loans | 0.0000% | 7,276 |
| Net loans and leases to total assets | 85.3202% | 245 |
| Net loans and leases to deposits | 102.1069% | 528 |
| Net loans and leases to core deposits | 103.8697% | 1,495 |
| Total domestic deposits to total assets | 83.5598% | 4,344 |
| Equity capital to assets | 12.7459% | 1,720 |
| Core capital (leverage) ratio | 12.4293% | 1,449 |
| Tier 1 risk-based capital ratio | 13.9767% | 3,860 |
| Total risk-based capital ratio | 15.2371% | 3,818 |
| Memoranda: | ||
| Average total assets | $96,864,000 | 5,139 |
| Average earning assets | $91,965,250 | 5,011 |
| Average equity | $11,571,750 | 4,789 |
| Average total loans | $83,350,000 | 4,308 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4910% | 2,559 |
| Cost of funding earning assets | 1.2145% | 5,046 |
| Net interest margin | 4.2765% | 1,866 |
| Noninterest income to average assets | 0.0996% | 7,099 |
| Noninterest expense to average assets | 3.8644% | 1,239 |
| Loan and lease loss provision to assets | 0.0610% | 6,341 |
| Net operating income to assets | 0.2256% | 5,478 |
| Return on assets (ROA) | 0.6058% | 3,991 |
| Pretax return on assets | 0.6058% | 4,551 |
| Return on Equity (ROE) | 5.1793% | 4,201 |
| Retained earnings to average equity (ytd only) | 5.1793% | 2,800 |
| Net charge-offs to loans | -0.1447% | 7,604 |
| Credit loss provision to net charge-offs | -49.1803% | 6,631 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 93.0950% | 1,117 |
| Assets per employee ($millions) | 7.1347% | 723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8500% | 2,564 |
| Loan loss allowance to noncurrent loans | 532.3333% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.3003% | 6,656 |
| Noncurrent loans to loans | 0.3475% | 6,541 |
| Net loans and leases to total assets | 84.8237% | 296 |
| Net loans and leases to deposits | 99.7704% | 743 |
| Net loans and leases to core deposits | 102.9127% | 1,744 |
| Total domestic deposits to total assets | 85.0189% | 3,616 |
| Equity capital to assets | 11.5862% | 2,370 |
| Core capital (leverage) ratio | 11.8303% | 1,739 |
| Tier 1 risk-based capital ratio | 12.9909% | 4,450 |
| Total risk-based capital ratio | 14.2482% | 4,402 |
| Memoranda: | ||
| Average total assets | $98,384,000 | 5,128 |
| Average earning assets | $93,207,330 | 5,012 |
| Average equity | $11,507,330 | 4,803 |
| Average total loans | $84,313,000 | 4,314 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5847% | 2,223 |
| Cost of funding earning assets | 1.3166% | 4,717 |
| Net interest margin | 4.2681% | 1,793 |
| Noninterest income to average assets | 0.1106% | 7,141 |
| Noninterest expense to average assets | 4.4124% | 634 |
| Loan and lease loss provision to assets | 0.0000% | 6,552 |
| Net operating income to assets | -0.2909% | 6,656 |
| Return on assets (ROA) | -0.2909% | 6,712 |
| Pretax return on assets | -0.2909% | 6,629 |
| Return on Equity (ROE) | -2.4751% | 6,689 |
| Retained earnings to average equity (ytd only) | -2.4751% | 6,286 |
| Net charge-offs to loans | -0.2929% | 7,737 |
| Credit loss provision to net charge-offs | 0.0000% | 5,126 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 107.0577% | 654 |
| Assets per employee ($millions) | 4.5852% | 2,830 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8859% | 2,490 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,514 |
| Noncurrent loans to loans | 0.0000% | 7,426 |
| Net loans and leases to total assets | 84.6660% | 317 |
| Net loans and leases to deposits | 100.0565% | 748 |
| Net loans and leases to core deposits | 107.1444% | 1,484 |
| Total domestic deposits to total assets | 84.6182% | 3,849 |
| Equity capital to assets | 11.8830% | 2,115 |
| Core capital (leverage) ratio | 10.9391% | 2,268 |
| Tier 1 risk-based capital ratio | 12.3826% | 4,848 |
| Total risk-based capital ratio | 13.6387% | 4,795 |
| Memoranda: | ||
| Average total assets | $97,633,000 | 5,221 |
| Average earning assets | $91,750,500 | 5,110 |
| Average equity | $11,474,500 | 4,853 |
| Average total loans | $83,307,500 | 4,406 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3840% | 7,493 |
| Cost of funding earning assets | 1.8615% | 3,669 |
| Net interest margin | 2.5226% | 7,405 |
| Noninterest income to average assets | 0.0780% | 7,360 |
| Noninterest expense to average assets | 4.5132% | 789 |
| Loan and lease loss provision to assets | 1.3688% | 1,686 |
| Net operating income to assets | -3.3814% | 7,480 |
| Return on assets (ROA) | -3.3814% | 7,482 |
| Pretax return on assets | -3.3814% | 7,391 |
| Return on Equity (ROE) | -26.0222% | 7,313 |
| Retained earnings to average equity (ytd only) | -26.0222% | 7,287 |
| Net charge-offs to loans | 0.8241% | 2,763 |
| Credit loss provision to net charge-offs | 241.4462% | 1,475 |
| Earnings coverage of net charge-offs (x) | -3.5503% | 7,075 |
| Efficiency ratio | 180.4878% | 186 |
| Assets per employee ($millions) | 4.7132% | 2,597 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8031% | 2,534 |
| Loan loss allowance to noncurrent loans | 590.5882% | 568 |
| Noncurrent assets plus other real estate owned to assets | 0.2576% | 6,806 |
| Noncurrent loans to loans | 0.3053% | 6,668 |
| Net loans and leases to total assets | 82.8657% | 562 |
| Net loans and leases to deposits | 97.6219% | 1,143 |
| Net loans and leases to core deposits | 163.7086% | 304 |
| Total domestic deposits to total assets | 84.8844% | 3,607 |
| Equity capital to assets | 11.6259% | 2,230 |
| Core capital (leverage) ratio | 10.8097% | 2,344 |
| Tier 1 risk-based capital ratio | 12.2110% | 4,758 |
| Total risk-based capital ratio | 13.4766% | 4,712 |
| Memoranda: | ||
| Average total assets | $100,017,800 | 5,087 |
| Average earning assets | $96,053,000 | 4,944 |
| Average equity | $12,996,600 | 4,512 |
| Average total loans | $68,805,000 | 4,915 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9551% | 7,818 |
| Cost of funding earning assets | 1.9410% | 3,660 |
| Net interest margin | 2.0140% | 7,804 |
| Noninterest income to average assets | 0.0771% | 7,519 |
| Noninterest expense to average assets | 4.5100% | 736 |
| Loan and lease loss provision to assets | 1.2139% | 1,599 |
| Net operating income to assets | -3.7016% | 7,714 |
| Return on assets (ROA) | -3.7016% | 7,712 |
| Pretax return on assets | -3.7016% | 7,640 |
| Return on Equity (ROE) | -27.7651% | 7,561 |
| Retained earnings to average equity (ytd only) | -27.7651% | 7,546 |
| Net charge-offs to loans | 0.7964% | 2,372 |
| Credit loss provision to net charge-offs | 234.7044% | 1,862 |
| Earnings coverage of net charge-offs (x) | -4.8098% | 6,851 |
| Efficiency ratio | 223.0112% | 113 |
| Assets per employee ($millions) | 5.1493% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4917% | 3,487 |
| Loan loss allowance to noncurrent loans | 231.6981% | 1,280 |
| Noncurrent assets plus other real estate owned to assets | 0.4901% | 6,238 |
| Noncurrent loans to loans | 0.6438% | 6,011 |
| Net loans and leases to total assets | 74.9951% | 2,248 |
| Net loans and leases to deposits | 87.7890% | 3,008 |
| Net loans and leases to core deposits | 160.8760% | 368 |
| Total domestic deposits to total assets | 85.4266% | 3,010 |
| Equity capital to assets | 11.2119% | 2,823 |
| Core capital (leverage) ratio | 11.5376% | 2,056 |
| Tier 1 risk-based capital ratio | 12.4735% | 4,564 |
| Total risk-based capital ratio | 13.7343% | 4,506 |
| Memoranda: | ||
| Average total assets | $100,278,000 | 5,117 |
| Average earning assets | $96,852,250 | 4,960 |
| Average equity | $13,369,000 | 4,440 |
| Average total loans | $65,125,250 | 5,102 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.4694% | 8,032 |
| Cost of funding earning assets | 2.0791% | 3,373 |
| Net interest margin | 1.3903% | 8,042 |
| Noninterest income to average assets | 0.0901% | 7,524 |
| Noninterest expense to average assets | 4.4584% | 803 |
| Loan and lease loss provision to assets | 0.7065% | 2,312 |
| Net operating income to assets | -3.7314% | 7,793 |
| Return on assets (ROA) | -3.7314% | 7,794 |
| Pretax return on assets | -3.7314% | 7,707 |
| Return on Equity (ROE) | -26.4364% | 7,652 |
| Retained earnings to average equity (ytd only) | -26.4364% | 7,619 |
| Net charge-offs to loans | 0.2492% | 3,953 |
| Credit loss provision to net charge-offs | 466.2162% | 995 |
| Earnings coverage of net charge-offs (x) | -19.9595% | 6,567 |
| Efficiency ratio | 311.0000% | 78 |
| Assets per employee ($millions) | 4.6701% | 2,499 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3371% | 4,057 |
| Loan loss allowance to noncurrent loans | 161.9601% | 1,828 |
| Noncurrent assets plus other real estate owned to assets | 0.6138% | 5,885 |
| Noncurrent loans to loans | 0.8256% | 5,577 |
| Net loans and leases to total assets | 73.3576% | 2,873 |
| Net loans and leases to deposits | 85.3823% | 3,665 |
| Net loans and leases to core deposits | 150.9684% | 629 |
| Total domestic deposits to total assets | 85.9166% | 2,832 |
| Equity capital to assets | 13.2004% | 1,608 |
| Core capital (leverage) ratio | 12.8523% | 1,480 |
| Tier 1 risk-based capital ratio | 15.1042% | 2,976 |
| Total risk-based capital ratio | 16.3046% | 2,931 |
| Memoranda: | ||
| Average total assets | $97,659,000 | 5,227 |
| Average earning assets | $94,368,670 | 5,058 |
| Average equity | $13,784,000 | 4,359 |
| Average total loans | $59,392,330 | 5,360 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 2.8216% | 8,148 |
| Cost of funding earning assets | 2.1894% | 3,219 |
| Net interest margin | 0.6322% | 8,190 |
| Noninterest income to average assets | 0.0082% | 8,021 |
| Noninterest expense to average assets | 4.0841% | 1,083 |
| Loan and lease loss provision to assets | 0.2422% | 4,042 |
| Net operating income to assets | -3.7064% | 7,950 |
| Return on assets (ROA) | -3.7064% | 7,943 |
| Pretax return on assets | -3.7064% | 7,870 |
| Return on Equity (ROE) | -25.4312% | 7,850 |
| Retained earnings to average equity (ytd only) | -25.4312% | 7,776 |
| Net charge-offs to loans | 0.3800% | 2,571 |
| Credit loss provision to net charge-offs | 118.0000% | 3,318 |
| Earnings coverage of net charge-offs (x) | -16.8800% | 5,653 |
| Efficiency ratio | 658.9404% | 29 |
| Assets per employee ($millions) | 4.7748% | 2,329 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2531% | 4,397 |
| Loan loss allowance to noncurrent loans | 142.8858% | 2,250 |
| Noncurrent assets plus other real estate owned to assets | 0.4977% | 5,972 |
| Noncurrent loans to loans | 0.8770% | 5,259 |
| Net loans and leases to total assets | 56.0322% | 6,236 |
| Net loans and leases to deposits | 65.5169% | 6,421 |
| Net loans and leases to core deposits | 138.2276% | 1,192 |
| Total domestic deposits to total assets | 85.5232% | 2,956 |
| Equity capital to assets | 13.7418% | 1,449 |
| Core capital (leverage) ratio | 13.9439% | 1,200 |
| Tier 1 risk-based capital ratio | 19.9959% | 1,626 |
| Total risk-based capital ratio | 21.0810% | 1,606 |
| Memoranda: | ||
| Average total assets | $97,452,000 | 5,256 |
| Average earning assets | $94,272,000 | 5,080 |
| Average equity | $14,203,000 | 4,293 |
| Average total loans | $52,629,000 | 5,682 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5438% | 8,023 |
| Cost of funding earning assets | 2.1275% | 5,938 |
| Net interest margin | 2.4163% | 7,833 |
| Noninterest income to average assets | 0.0263% | 8,002 |
| Noninterest expense to average assets | 5.7385% | 454 |
| Loan and lease loss provision to assets | 0.3712% | 3,456 |
| Net operating income to assets | -3.7598% | 7,951 |
| Return on assets (ROA) | -3.7598% | 7,928 |
| Pretax return on assets | -3.7598% | 7,850 |
| Return on Equity (ROE) | -17.9116% | 7,707 |
| Retained earnings to average equity (ytd only) | -17.9116% | 7,616 |
| Net charge-offs to loans | 0.0000% | 7,039 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 244.2017% | 147 |
| Assets per employee ($millions) | 4.9807% | 1,959 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4557% | 2,892 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,674 |
| Noncurrent loans to loans | 0.0000% | 7,569 |
| Net loans and leases to total assets | 50.3598% | 6,993 |
| Net loans and leases to deposits | 60.3788% | 7,055 |
| Net loans and leases to core deposits | 90.2031% | 5,787 |
| Total domestic deposits to total assets | 83.4064% | 3,609 |
| Equity capital to assets | 15.4566% | 1,061 |
| Core capital (leverage) ratio | 17.8621% | 620 |
| Tier 1 risk-based capital ratio | 23.7205% | 1,120 |
| Total risk-based capital ratio | 24.9154% | 1,096 |
| Memoranda: | ||
| Average total assets | $75,960,800 | 5,840 |
| Average earning assets | $73,044,600 | 5,708 |
| Average equity | $15,945,000 | 3,939 |
| Average total loans | $43,677,800 | 5,995 |