Home > Premier Community Bank > Performance and Condition Ratios
Premier Community Bank, Performance and Condition Ratios
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3229% | 449 |
| Cost of funding earning assets | 0.4560% | 3,315 |
| Net interest margin | 4.8670% | 324 |
| Noninterest income to average assets | 0.3111% | 4,096 |
| Noninterest expense to average assets | 3.1037% | 1,776 |
| Loan and lease loss provision to assets | 0.0000% | 3,782 |
| Net operating income to assets | 1.3330% | 1,654 |
| Return on assets (ROA) | 1.0481% | 2,812 |
| Pretax return on assets | 1.3389% | 2,368 |
| Return on Equity (ROE) | 9.1326% | 2,958 |
| Retained earnings to average equity (ytd only) | -33.8419% | 5,518 |
| Net charge-offs to loans | 0.0277% | 2,300 |
| Credit loss provision to net charge-offs | 0.0000% | 2,759 |
| Earnings coverage of net charge-offs (x) | 71.4894% | 897 |
| Efficiency ratio | 64.6167% | 3,227 |
| Assets per employee ($millions) | 5.7772% | 1,651 |
| Cash dividends to net income (ytd only)* | 470.5598% | 12 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2609% | 2,372 |
| Loan loss allowance to noncurrent loans | 2,451.7442% | 288 |
| Noncurrent assets plus other real estate owned to assets | 0.7829% | 1,916 |
| Noncurrent loans to loans | 0.0514% | 4,686 |
| Net loans and leases to total assets | 86.6074% | 218 |
| Net loans and leases to deposits | 103.3403% | 565 |
| Net loans and leases to core deposits | 112.0465% | 883 |
| Total domestic deposits to total assets | 83.8080% | 3,128 |
| Equity capital to assets | 10.5113% | 3,103 |
| Core capital (leverage) ratio | 10.1520% | 3,415 |
| Tier 1 risk-based capital ratio | 10.1982% | 5,374 |
| Total risk-based capital ratio | 11.3345% | 5,344 |
| Memoranda: | ||
| Average total assets | $395,393,670 | 1,749 |
| Average earning assets | $364,950,000 | 1,753 |
| Average equity | $45,375,670 | 1,660 |
| Average total loans | $339,212,000 | 1,446 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2636% | 437 |
| Cost of funding earning assets | 0.4454% | 3,237 |
| Net interest margin | 4.8181% | 331 |
| Noninterest income to average assets | 0.2346% | 4,605 |
| Noninterest expense to average assets | 2.8357% | 2,587 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3806% | 1,393 |
| Return on assets (ROA) | 1.3806% | 1,411 |
| Pretax return on assets | 1.8497% | 825 |
| Return on Equity (ROE) | 11.5692% | 1,734 |
| Retained earnings to average equity (ytd only) | 11.1528% | 857 |
| Net charge-offs to loans | 0.0761% | 1,363 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | 28.6308% | 1,269 |
| Efficiency ratio | 60.5218% | 4,000 |
| Assets per employee ($millions) | 6.1302% | 1,415 |
| Cash dividends to net income (ytd only)* | 3.5997% | 2,706 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2365% | 2,598 |
| Loan loss allowance to noncurrent loans | 2,441.2791% | 283 |
| Noncurrent assets plus other real estate owned to assets | 0.7640% | 2,042 |
| Noncurrent loans to loans | 0.0507% | 4,754 |
| Net loans and leases to total assets | 82.8947% | 549 |
| Net loans and leases to deposits | 102.1979% | 567 |
| Net loans and leases to core deposits | 110.8326% | 957 |
| Total domestic deposits to total assets | 81.1119% | 4,173 |
| Equity capital to assets | 12.0034% | 1,785 |
| Core capital (leverage) ratio | 12.1136% | 1,581 |
| Tier 1 risk-based capital ratio | 12.2987% | 4,381 |
| Total risk-based capital ratio | 13.4159% | 4,349 |
| Memoranda: | ||
| Average total assets | $402,443,500 | 1,725 |
| Average earning assets | $371,761,500 | 1,734 |
| Average equity | $48,024,000 | 1,580 |
| Average total loans | $341,595,000 | 1,442 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0675% | 566 |
| Cost of funding earning assets | 0.4923% | 2,406 |
| Net interest margin | 4.5752% | 527 |
| Noninterest income to average assets | 0.0130% | 5,593 |
| Noninterest expense to average assets | 2.6556% | 3,270 |
| Loan and lease loss provision to assets | -0.3312% | 5,621 |
| Net operating income to assets | 0.9410% | 2,488 |
| Return on assets (ROA) | 0.9142% | 2,664 |
| Pretax return on assets | 1.8593% | 665 |
| Return on Equity (ROE) | 7.7845% | 2,894 |
| Retained earnings to average equity (ytd only) | 7.3506% | 967 |
| Net charge-offs to loans | -0.3494% | 5,580 |
| Credit loss provision to net charge-offs | 113.0435% | 2,307 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.8475% | 3,804 |
| Assets per employee ($millions) | 6.4564% | 1,229 |
| Cash dividends to net income (ytd only)* | 5.5741% | 4,030 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2410% | 2,526 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.7415% | 2,112 |
| Noncurrent loans to loans | 0.0000% | 5,081 |
| Net loans and leases to total assets | 84.7729% | 367 |
| Net loans and leases to deposits | 102.4921% | 578 |
| Net loans and leases to core deposits | 112.5942% | 864 |
| Total domestic deposits to total assets | 82.7117% | 3,658 |
| Equity capital to assets | 11.8620% | 1,935 |
| Core capital (leverage) ratio | 11.8467% | 1,693 |
| Tier 1 risk-based capital ratio | 11.8709% | 4,617 |
| Total risk-based capital ratio | 12.9960% | 4,572 |
| Memoranda: | ||
| Average total assets | $392,453,800 | 1,740 |
| Average earning assets | $361,339,200 | 1,746 |
| Average equity | $46,091,600 | 1,634 |
| Average total loans | $329,137,200 | 1,451 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0205% | 588 |
| Cost of funding earning assets | 0.4976% | 2,289 |
| Net interest margin | 4.5230% | 570 |
| Noninterest income to average assets | -0.0744% | 5,710 |
| Noninterest expense to average assets | 2.6137% | 3,370 |
| Loan and lease loss provision to assets | -0.4439% | 5,708 |
| Net operating income to assets | 1.2138% | 1,635 |
| Return on assets (ROA) | 1.2138% | 1,666 |
| Pretax return on assets | 1.9148% | 660 |
| Return on Equity (ROE) | 10.3618% | 1,964 |
| Retained earnings to average equity (ytd only) | 9.9246% | 603 |
| Net charge-offs to loans | -0.4669% | 5,648 |
| Credit loss provision to net charge-offs | 114.0351% | 2,086 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.9890% | 3,543 |
| Assets per employee ($millions) | 6.4112% | 1,239 |
| Cash dividends to net income (ytd only)* | 4.2195% | 3,621 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2739% | 2,494 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.9990% | 1,703 |
| Noncurrent loans to loans | 0.0000% | 5,172 |
| Net loans and leases to total assets | 84.3006% | 404 |
| Net loans and leases to deposits | 104.0994% | 492 |
| Net loans and leases to core deposits | 112.5204% | 905 |
| Total domestic deposits to total assets | 80.9808% | 4,052 |
| Equity capital to assets | 12.1542% | 1,868 |
| Core capital (leverage) ratio | 12.0666% | 1,642 |
| Tier 1 risk-based capital ratio | 12.1294% | 4,532 |
| Total risk-based capital ratio | 13.2714% | 4,492 |
| Memoranda: | ||
| Average total assets | $390,493,750 | 1,759 |
| Average earning assets | $359,077,750 | 1,770 |
| Average equity | $45,743,750 | 1,657 |
| Average total loans | $325,520,250 | 1,473 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9511% | 612 |
| Cost of funding earning assets | 0.4956% | 2,201 |
| Net interest margin | 4.4554% | 627 |
| Noninterest income to average assets | -0.1681% | 5,767 |
| Noninterest expense to average assets | 2.6303% | 3,342 |
| Loan and lease loss provision to assets | -0.6662% | 5,769 |
| Net operating income to assets | 1.2442% | 1,458 |
| Return on assets (ROA) | 1.2442% | 1,486 |
| Pretax return on assets | 1.9631% | 571 |
| Return on Equity (ROE) | 10.7559% | 1,730 |
| Retained earnings to average equity (ytd only) | 10.3129% | 533 |
| Net charge-offs to loans | -0.6947% | 5,715 |
| Credit loss provision to net charge-offs | 115.9679% | 1,824 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.9755% | 3,186 |
| Assets per employee ($millions) | 6.3529% | 1,231 |
| Cash dividends to net income (ytd only)* | 4.1186% | 3,486 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2944% | 2,439 |
| Loan loss allowance to noncurrent loans | 547.8655% | 954 |
| Noncurrent assets plus other real estate owned to assets | 1.0285% | 1,703 |
| Noncurrent loans to loans | 0.2363% | 4,184 |
| Net loans and leases to total assets | 81.9909% | 667 |
| Net loans and leases to deposits | 101.0574% | 671 |
| Net loans and leases to core deposits | 109.4677% | 1,027 |
| Total domestic deposits to total assets | 81.1330% | 4,150 |
| Equity capital to assets | 11.7943% | 2,076 |
| Core capital (leverage) ratio | 11.8482% | 1,733 |
| Tier 1 risk-based capital ratio | 12.1444% | 4,532 |
| Total risk-based capital ratio | 13.3098% | 4,472 |
| Memoranda: | ||
| Average total assets | $390,297,000 | 1,759 |
| Average earning assets | $358,751,670 | 1,771 |
| Average equity | $45,147,330 | 1,674 |
| Average total loans | $322,713,670 | 1,485 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8241% | 714 |
| Cost of funding earning assets | 0.4947% | 2,129 |
| Net interest margin | 4.3293% | 729 |
| Noninterest income to average assets | 0.2275% | 4,910 |
| Noninterest expense to average assets | 2.6018% | 3,494 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.0193% | 2,226 |
| Return on assets (ROA) | 1.0193% | 2,278 |
| Pretax return on assets | 1.5989% | 1,240 |
| Return on Equity (ROE) | 8.9002% | 2,466 |
| Retained earnings to average equity (ytd only) | 8.4507% | 1,293 |
| Net charge-offs to loans | -0.0175% | 4,674 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.9363% | 4,156 |
| Assets per employee ($millions) | 6.3418% | 1,266 |
| Cash dividends to net income (ytd only)* | 5.0505% | 2,774 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 2,212 |
| Loan loss allowance to noncurrent loans | 130.3503% | 3,118 |
| Noncurrent assets plus other real estate owned to assets | 1.9230% | 702 |
| Noncurrent loans to loans | 1.0505% | 1,957 |
| Net loans and leases to total assets | 82.4430% | 521 |
| Net loans and leases to deposits | 101.8171% | 507 |
| Net loans and leases to core deposits | 110.3629% | 862 |
| Total domestic deposits to total assets | 80.9716% | 4,418 |
| Equity capital to assets | 11.6229% | 2,097 |
| Core capital (leverage) ratio | 11.7303% | 1,808 |
| Tier 1 risk-based capital ratio | 11.7826% | 4,863 |
| Total risk-based capital ratio | 12.9988% | 4,785 |
| Memoranda: | ||
| Average total assets | $388,506,500 | 1,779 |
| Average earning assets | $356,546,000 | 1,793 |
| Average equity | $44,493,500 | 1,698 |
| Average total loans | $320,481,000 | 1,497 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9690% | 632 |
| Cost of funding earning assets | 0.5228% | 1,918 |
| Net interest margin | 4.4462% | 694 |
| Noninterest income to average assets | 0.2487% | 4,936 |
| Noninterest expense to average assets | 2.6975% | 3,344 |
| Loan and lease loss provision to assets | 0.0000% | 4,332 |
| Net operating income to assets | 1.0425% | 2,171 |
| Return on assets (ROA) | 1.0425% | 2,276 |
| Pretax return on assets | 1.6369% | 1,172 |
| Return on Equity (ROE) | 8.9958% | 2,420 |
| Retained earnings to average equity (ytd only) | 8.5231% | 694 |
| Net charge-offs to loans | -0.0148% | 5,046 |
| Credit loss provision to net charge-offs | 0.0000% | 3,785 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 62.2346% | 4,215 |
| Assets per employee ($millions) | 6.6129% | 1,097 |
| Cash dividends to net income (ytd only)* | 5.2549% | 4,128 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3898% | 2,123 |
| Loan loss allowance to noncurrent loans | 126.8026% | 3,155 |
| Noncurrent assets plus other real estate owned to assets | 1.9282% | 732 |
| Noncurrent loans to loans | 1.0960% | 1,902 |
| Net loans and leases to total assets | 80.2714% | 860 |
| Net loans and leases to deposits | 98.4289% | 786 |
| Net loans and leases to core deposits | 106.0841% | 1,126 |
| Total domestic deposits to total assets | 81.5526% | 4,194 |
| Equity capital to assets | 11.2835% | 2,341 |
| Core capital (leverage) ratio | 11.4808% | 1,943 |
| Tier 1 risk-based capital ratio | 11.9493% | 4,767 |
| Total risk-based capital ratio | 13.1992% | 4,648 |
| Memoranda: | ||
| Average total assets | $365,074,600 | 1,831 |
| Average earning assets | $335,478,800 | 1,848 |
| Average equity | $42,308,600 | 1,747 |
| Average total loans | $304,802,000 | 1,501 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0120% | 587 |
| Cost of funding earning assets | 0.5260% | 1,902 |
| Net interest margin | 4.4860% | 652 |
| Noninterest income to average assets | 0.2523% | 4,955 |
| Noninterest expense to average assets | 2.7595% | 3,150 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.0260% | 2,313 |
| Return on assets (ROA) | 1.0260% | 2,442 |
| Pretax return on assets | 1.6127% | 1,348 |
| Return on Equity (ROE) | 8.7900% | 2,611 |
| Retained earnings to average equity (ytd only) | 8.3125% | 1,043 |
| Net charge-offs to loans | -0.0088% | 4,739 |
| Credit loss provision to net charge-offs | 0.0000% | 3,412 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 63.1141% | 4,055 |
| Assets per employee ($millions) | 6.1360% | 1,331 |
| Cash dividends to net income (ytd only)* | 5.4330% | 3,667 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4136% | 2,141 |
| Loan loss allowance to noncurrent loans | 124.0882% | 3,186 |
| Noncurrent assets plus other real estate owned to assets | 2.0249% | 769 |
| Noncurrent loans to loans | 1.1392% | 1,977 |
| Net loans and leases to total assets | 81.7793% | 653 |
| Net loans and leases to deposits | 101.1135% | 632 |
| Net loans and leases to core deposits | 109.4626% | 956 |
| Total domestic deposits to total assets | 80.8787% | 4,275 |
| Equity capital to assets | 11.5616% | 2,462 |
| Core capital (leverage) ratio | 11.6267% | 1,936 |
| Tier 1 risk-based capital ratio | 11.8358% | 4,896 |
| Total risk-based capital ratio | 13.0861% | 4,793 |
| Memoranda: | ||
| Average total assets | $358,802,250 | 1,864 |
| Average earning assets | $329,519,250 | 1,877 |
| Average equity | $41,879,750 | 1,774 |
| Average total loans | $301,601,500 | 1,515 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9372% | 660 |
| Cost of funding earning assets | 0.5253% | 1,898 |
| Net interest margin | 4.4119% | 746 |
| Noninterest income to average assets | 0.2669% | 4,879 |
| Noninterest expense to average assets | 2.8159% | 2,978 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 0.9614% | 2,566 |
| Return on assets (ROA) | 0.9614% | 2,716 |
| Pretax return on assets | 1.5078% | 1,649 |
| Return on Equity (ROE) | 8.2097% | 2,879 |
| Retained earnings to average equity (ytd only) | 7.7267% | 1,278 |
| Net charge-offs to loans | 0.0208% | 3,077 |
| Credit loss provision to net charge-offs | 0.0000% | 3,050 |
| Earnings coverage of net charge-offs (x) | 86.0000% | 658 |
| Efficiency ratio | 65.1275% | 3,824 |
| Assets per employee ($millions) | 6.0970% | 1,337 |
| Cash dividends to net income (ytd only)* | 5.8824% | 3,544 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3851% | 2,359 |
| Loan loss allowance to noncurrent loans | 150.8345% | 2,850 |
| Noncurrent assets plus other real estate owned to assets | 1.9337% | 858 |
| Noncurrent loans to loans | 0.9183% | 2,438 |
| Net loans and leases to total assets | 85.8580% | 262 |
| Net loans and leases to deposits | 106.5367% | 348 |
| Net loans and leases to core deposits | 115.3083% | 663 |
| Total domestic deposits to total assets | 80.5901% | 4,391 |
| Equity capital to assets | 11.7443% | 2,316 |
| Core capital (leverage) ratio | 11.8439% | 1,735 |
| Tier 1 risk-based capital ratio | 11.4999% | 5,156 |
| Total risk-based capital ratio | 12.7501% | 5,040 |
| Memoranda: | ||
| Average total assets | $353,636,670 | 1,891 |
| Average earning assets | $325,163,330 | 1,903 |
| Average equity | $41,414,670 | 1,792 |
| Average total loans | $298,639,330 | 1,525 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9836% | 601 |
| Cost of funding earning assets | 0.5311% | 1,858 |
| Net interest margin | 4.4525% | 666 |
| Noninterest income to average assets | 0.3297% | 4,372 |
| Noninterest expense to average assets | 2.8523% | 2,878 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.9994% | 2,282 |
| Return on assets (ROA) | 0.9994% | 2,399 |
| Pretax return on assets | 1.5711% | 1,370 |
| Return on Equity (ROE) | 8.5467% | 2,639 |
| Retained earnings to average equity (ytd only) | 8.0588% | 1,434 |
| Net charge-offs to loans | 0.0522% | 2,006 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 36.2368% | 1,073 |
| Efficiency ratio | 64.4828% | 4,045 |
| Assets per employee ($millions) | 5.9152% | 1,475 |
| Cash dividends to net income (ytd only)* | 5.7078% | 2,790 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4751% | 2,089 |
| Loan loss allowance to noncurrent loans | 146.3176% | 2,813 |
| Noncurrent assets plus other real estate owned to assets | 1.9836% | 879 |
| Noncurrent loans to loans | 1.0082% | 2,365 |
| Net loans and leases to total assets | 81.5047% | 628 |
| Net loans and leases to deposits | 103.0781% | 457 |
| Net loans and leases to core deposits | 110.0242% | 851 |
| Total domestic deposits to total assets | 79.0708% | 4,955 |
| Equity capital to assets | 11.6807% | 2,264 |
| Core capital (leverage) ratio | 11.7412% | 1,801 |
| Tier 1 risk-based capital ratio | 11.9498% | 4,941 |
| Total risk-based capital ratio | 13.2007% | 4,859 |
| Memoranda: | ||
| Average total assets | $350,593,000 | 1,910 |
| Average earning assets | $322,337,500 | 1,923 |
| Average equity | $40,998,500 | 1,807 |
| Average total loans | $291,364,000 | 1,556 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7397% | 1,026 |
| Cost of funding earning assets | 0.5515% | 1,744 |
| Net interest margin | 4.1882% | 1,190 |
| Noninterest income to average assets | 0.3037% | 4,709 |
| Noninterest expense to average assets | 2.7885% | 3,281 |
| Loan and lease loss provision to assets | 0.0000% | 4,380 |
| Net operating income to assets | 0.8730% | 3,008 |
| Return on assets (ROA) | 0.8736% | 3,089 |
| Pretax return on assets | 1.3523% | 2,095 |
| Return on Equity (ROE) | 7.5256% | 3,239 |
| Retained earnings to average equity (ytd only) | 3.7375% | 3,391 |
| Net charge-offs to loans | -0.0026% | 4,895 |
| Credit loss provision to net charge-offs | 0.0000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.3559% | 3,684 |
| Assets per employee ($millions) | 5.7713% | 1,561 |
| Cash dividends to net income (ytd only)* | 50.3356% | 2,279 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5111% | 1,951 |
| Loan loss allowance to noncurrent loans | 143.5283% | 2,909 |
| Noncurrent assets plus other real estate owned to assets | 2.1038% | 817 |
| Noncurrent loans to loans | 1.0528% | 2,230 |
| Net loans and leases to total assets | 82.2349% | 575 |
| Net loans and leases to deposits | 104.0117% | 435 |
| Net loans and leases to core deposits | 110.6526% | 825 |
| Total domestic deposits to total assets | 79.0632% | 4,967 |
| Equity capital to assets | 11.7077% | 2,188 |
| Core capital (leverage) ratio | 11.5522% | 1,920 |
| Tier 1 risk-based capital ratio | 12.0321% | 4,925 |
| Total risk-based capital ratio | 13.2835% | 4,830 |
| Memoranda: | ||
| Average total assets | $341,120,000 | 1,916 |
| Average earning assets | $312,446,400 | 1,940 |
| Average equity | $39,598,400 | 1,813 |
| Average total loans | $272,349,600 | 1,602 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6577% | 1,189 |
| Cost of funding earning assets | 0.5515% | 1,790 |
| Net interest margin | 4.1062% | 1,398 |
| Noninterest income to average assets | 0.2833% | 4,920 |
| Noninterest expense to average assets | 2.8052% | 3,166 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.8004% | 3,425 |
| Return on assets (ROA) | 0.8012% | 3,519 |
| Pretax return on assets | 1.2355% | 2,675 |
| Return on Equity (ROE) | 6.9167% | 3,672 |
| Retained earnings to average equity (ytd only) | 2.0052% | 4,879 |
| Net charge-offs to loans | 0.0139% | 3,688 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | 112.3643% | 568 |
| Efficiency ratio | 69.4444% | 3,303 |
| Assets per employee ($millions) | 6.0226% | 1,357 |
| Cash dividends to net income (ytd only)* | 71.0090% | 988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5549% | 1,946 |
| Loan loss allowance to noncurrent loans | 121.2986% | 3,237 |
| Noncurrent assets plus other real estate owned to assets | 2.3177% | 787 |
| Noncurrent loans to loans | 1.2819% | 1,993 |
| Net loans and leases to total assets | 78.5530% | 1,015 |
| Net loans and leases to deposits | 98.5703% | 770 |
| Net loans and leases to core deposits | 104.5091% | 1,197 |
| Total domestic deposits to total assets | 79.6924% | 4,806 |
| Equity capital to assets | 11.3697% | 2,622 |
| Core capital (leverage) ratio | 11.3007% | 2,196 |
| Tier 1 risk-based capital ratio | 12.1441% | 4,999 |
| Total risk-based capital ratio | 13.3964% | 4,900 |
| Memoranda: | ||
| Average total assets | $339,831,250 | 1,941 |
| Average earning assets | $310,874,250 | 1,964 |
| Average equity | $39,362,750 | 1,836 |
| Average total loans | $268,155,000 | 1,638 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6401% | 1,188 |
| Cost of funding earning assets | 0.5479% | 1,840 |
| Net interest margin | 4.0922% | 1,372 |
| Noninterest income to average assets | 0.2857% | 4,918 |
| Noninterest expense to average assets | 2.8699% | 2,999 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.7497% | 3,646 |
| Return on assets (ROA) | 0.7509% | 3,739 |
| Pretax return on assets | 1.1536% | 2,958 |
| Return on Equity (ROE) | 6.4416% | 3,907 |
| Retained earnings to average equity (ytd only) | -0.6931% | 5,645 |
| Net charge-offs to loans | 0.0295% | 3,077 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | 49.7179% | 963 |
| Efficiency ratio | 71.3589% | 3,100 |
| Assets per employee ($millions) | 5.9920% | 1,360 |
| Cash dividends to net income (ytd only)* | 110.7595% | 391 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5859% | 1,953 |
| Loan loss allowance to noncurrent loans | 118.0502% | 3,313 |
| Noncurrent assets plus other real estate owned to assets | 2.3940% | 814 |
| Noncurrent loans to loans | 1.3434% | 2,003 |
| Net loans and leases to total assets | 77.1927% | 1,178 |
| Net loans and leases to deposits | 96.4983% | 909 |
| Net loans and leases to core deposits | 102.0480% | 1,325 |
| Total domestic deposits to total assets | 79.9938% | 4,873 |
| Equity capital to assets | 11.2060% | 2,666 |
| Core capital (leverage) ratio | 11.3250% | 2,141 |
| Tier 1 risk-based capital ratio | 12.3148% | 4,928 |
| Total risk-based capital ratio | 13.5674% | 4,826 |
| Memoranda: | ||
| Average total assets | $336,670,670 | 1,971 |
| Average earning assets | $307,366,000 | 2,000 |
| Average equity | $39,245,000 | 1,852 |
| Average total loans | $264,630,000 | 1,660 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6735% | 1,083 |
| Cost of funding earning assets | 0.5349% | 1,971 |
| Net interest margin | 4.1386% | 1,188 |
| Noninterest income to average assets | 0.2633% | 5,068 |
| Noninterest expense to average assets | 2.9465% | 2,752 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.7064% | 3,768 |
| Return on assets (ROA) | 0.7064% | 3,894 |
| Pretax return on assets | 1.0820% | 3,152 |
| Return on Equity (ROE) | 5.9398% | 4,065 |
| Retained earnings to average equity (ytd only) | 4.9245% | 3,098 |
| Net charge-offs to loans | 0.1028% | 1,703 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | 13.3731% | 1,728 |
| Efficiency ratio | 73.1415% | 2,968 |
| Assets per employee ($millions) | 5.6411% | 1,677 |
| Cash dividends to net income (ytd only)* | 17.0940% | 2,601 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6289% | 1,949 |
| Loan loss allowance to noncurrent loans | 113.9257% | 3,386 |
| Noncurrent assets plus other real estate owned to assets | 2.6933% | 750 |
| Noncurrent loans to loans | 1.4298% | 2,000 |
| Net loans and leases to total assets | 76.6327% | 1,120 |
| Net loans and leases to deposits | 96.3796% | 807 |
| Net loans and leases to core deposits | 100.6000% | 1,281 |
| Total domestic deposits to total assets | 79.5113% | 5,170 |
| Equity capital to assets | 11.7247% | 2,264 |
| Core capital (leverage) ratio | 11.9225% | 1,685 |
| Tier 1 risk-based capital ratio | 12.8569% | 4,689 |
| Total risk-based capital ratio | 14.1106% | 4,597 |
| Memoranda: | ||
| Average total assets | $331,237,000 | 2,014 |
| Average earning assets | $301,357,500 | 2,045 |
| Average equity | $39,395,000 | 1,860 |
| Average total loans | $260,646,500 | 1,679 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6815% | 1,353 |
| Cost of funding earning assets | 0.8897% | 409 |
| Net interest margin | 3.7918% | 2,655 |
| Noninterest income to average assets | 0.1010% | 6,154 |
| Noninterest expense to average assets | 3.4720% | 1,547 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.0497% | 6,023 |
| Return on assets (ROA) | 0.2675% | 5,675 |
| Pretax return on assets | 0.3781% | 5,538 |
| Return on Equity (ROE) | 2.2757% | 5,696 |
| Retained earnings to average equity (ytd only) | 1.5112% | 5,080 |
| Net charge-offs to loans | 0.4217% | 1,007 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.2245% | 4,678 |
| Efficiency ratio | 97.9877% | 424 |
| Assets per employee ($millions) | 5.4002% | 1,860 |
| Cash dividends to net income (ytd only)* | 33.5946% | 3,197 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6932% | 1,789 |
| Loan loss allowance to noncurrent loans | 110.7107% | 3,490 |
| Noncurrent assets plus other real estate owned to assets | 2.8860% | 729 |
| Noncurrent loans to loans | 1.5294% | 1,920 |
| Net loans and leases to total assets | 78.1649% | 979 |
| Net loans and leases to deposits | 102.4436% | 496 |
| Net loans and leases to core deposits | 107.3340% | 938 |
| Total domestic deposits to total assets | 76.3004% | 5,689 |
| Equity capital to assets | 12.0694% | 1,971 |
| Core capital (leverage) ratio | 10.8798% | 2,519 |
| Tier 1 risk-based capital ratio | 12.9354% | 4,763 |
| Total risk-based capital ratio | 14.1894% | 4,682 |
| Memoranda: | ||
| Average total assets | $333,780,600 | 1,943 |
| Average earning assets | $303,020,800 | 1,981 |
| Average equity | $39,240,600 | 1,803 |
| Average total loans | $251,382,400 | 1,680 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6364% | 1,470 |
| Cost of funding earning assets | 0.9164% | 380 |
| Net interest margin | 3.7199% | 2,940 |
| Noninterest income to average assets | 0.1634% | 5,939 |
| Noninterest expense to average assets | 2.8488% | 3,288 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4588% | 5,038 |
| Return on assets (ROA) | 0.4588% | 5,116 |
| Pretax return on assets | 0.6900% | 4,730 |
| Return on Equity (ROE) | 3.9278% | 5,196 |
| Retained earnings to average equity (ytd only) | 3.2489% | 4,313 |
| Net charge-offs to loans | -0.0160% | 5,552 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.5020% | 1,842 |
| Assets per employee ($millions) | 5.9130% | 1,396 |
| Cash dividends to net income (ytd only)* | 17.2861% | 3,310 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1665% | 990 |
| Loan loss allowance to noncurrent loans | 106.1526% | 3,518 |
| Noncurrent assets plus other real estate owned to assets | 3.2176% | 702 |
| Noncurrent loans to loans | 2.0410% | 1,539 |
| Net loans and leases to total assets | 71.7868% | 1,885 |
| Net loans and leases to deposits | 98.9192% | 675 |
| Net loans and leases to core deposits | 104.7331% | 1,051 |
| Total domestic deposits to total assets | 72.5712% | 6,130 |
| Equity capital to assets | 11.6917% | 2,318 |
| Core capital (leverage) ratio | 11.0564% | 2,430 |
| Tier 1 risk-based capital ratio | 13.2950% | 4,674 |
| Total risk-based capital ratio | 14.5542% | 4,610 |
| Memoranda: | ||
| Average total assets | $336,223,250 | 1,947 |
| Average earning assets | $305,088,500 | 1,983 |
| Average equity | $39,274,250 | 1,813 |
| Average total loans | $249,822,000 | 1,702 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6118% | 1,499 |
| Cost of funding earning assets | 0.9291% | 363 |
| Net interest margin | 3.6827% | 3,020 |
| Noninterest income to average assets | 0.1814% | 5,858 |
| Noninterest expense to average assets | 2.9229% | 3,088 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3994% | 5,223 |
| Return on assets (ROA) | 0.3994% | 5,301 |
| Pretax return on assets | 0.5934% | 4,975 |
| Return on Equity (ROE) | 3.4205% | 5,374 |
| Retained earnings to average equity (ytd only) | 2.9077% | 4,354 |
| Net charge-offs to loans | -0.0241% | 5,602 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1233% | 1,615 |
| Assets per employee ($millions) | 5.9837% | 1,287 |
| Cash dividends to net income (ytd only)* | 14.9925% | 3,324 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1682% | 1,069 |
| Loan loss allowance to noncurrent loans | 97.3398% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 3.3332% | 729 |
| Noncurrent loans to loans | 2.2275% | 1,471 |
| Net loans and leases to total assets | 73.4138% | 1,519 |
| Net loans and leases to deposits | 103.6903% | 374 |
| Net loans and leases to core deposits | 110.0838% | 694 |
| Total domestic deposits to total assets | 70.8011% | 6,320 |
| Equity capital to assets | 11.8029% | 2,150 |
| Core capital (leverage) ratio | 11.1166% | 2,317 |
| Tier 1 risk-based capital ratio | 13.2405% | 4,761 |
| Total risk-based capital ratio | 14.4999% | 4,692 |
| Memoranda: | ||
| Average total assets | $333,980,000 | 1,957 |
| Average earning assets | $302,442,670 | 1,995 |
| Average equity | $39,000,000 | 1,815 |
| Average total loans | $249,213,670 | 1,699 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6886% | 1,280 |
| Cost of funding earning assets | 0.9292% | 387 |
| Net interest margin | 3.7594% | 2,641 |
| Noninterest income to average assets | 0.1140% | 6,284 |
| Noninterest expense to average assets | 2.9188% | 3,154 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.4031% | 5,102 |
| Return on assets (ROA) | 0.4031% | 5,168 |
| Pretax return on assets | 0.5974% | 4,840 |
| Return on Equity (ROE) | 3.4706% | 5,289 |
| Retained earnings to average equity (ytd only) | 3.4706% | 4,053 |
| Net charge-offs to loans | -0.1564% | 6,306 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.0092% | 1,799 |
| Assets per employee ($millions) | 5.9288% | 1,353 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2276% | 1,122 |
| Loan loss allowance to noncurrent loans | 89.5505% | 3,903 |
| Noncurrent assets plus other real estate owned to assets | 3.9472% | 611 |
| Noncurrent loans to loans | 2.4876% | 1,391 |
| Net loans and leases to total assets | 72.9599% | 1,434 |
| Net loans and leases to deposits | 103.3056% | 316 |
| Net loans and leases to core deposits | 109.2616% | 615 |
| Total domestic deposits to total assets | 70.6253% | 6,422 |
| Equity capital to assets | 11.7873% | 2,021 |
| Core capital (leverage) ratio | 10.9294% | 2,460 |
| Tier 1 risk-based capital ratio | 13.0701% | 4,963 |
| Total risk-based capital ratio | 14.3300% | 4,895 |
| Memoranda: | ||
| Average total assets | $333,426,000 | 1,969 |
| Average earning assets | $301,754,000 | 2,002 |
| Average equity | $38,725,000 | 1,816 |
| Average total loans | $248,094,000 | 1,708 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6611% | 1,685 |
| Cost of funding earning assets | 1.0512% | 355 |
| Net interest margin | 3.6099% | 3,426 |
| Noninterest income to average assets | -0.0239% | 6,681 |
| Noninterest expense to average assets | 2.8446% | 3,550 |
| Loan and lease loss provision to assets | -0.2271% | 6,620 |
| Net operating income to assets | 0.4261% | 5,051 |
| Return on assets (ROA) | 0.4261% | 5,165 |
| Pretax return on assets | 0.6259% | 4,786 |
| Return on Equity (ROE) | 3.9982% | 5,114 |
| Retained earnings to average equity (ytd only) | 3.9982% | 3,350 |
| Net charge-offs to loans | -0.0077% | 5,990 |
| Credit loss provision to net charge-offs | 3,947.3684% | 51 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7042% | 1,246 |
| Assets per employee ($millions) | 5.9793% | 1,288 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1825% | 1,200 |
| Loan loss allowance to noncurrent loans | 71.9289% | 4,423 |
| Noncurrent assets plus other real estate owned to assets | 4.5203% | 553 |
| Noncurrent loans to loans | 3.0342% | 1,141 |
| Net loans and leases to total assets | 72.5754% | 1,583 |
| Net loans and leases to deposits | 103.0489% | 356 |
| Net loans and leases to core deposits | 108.7005% | 663 |
| Total domestic deposits to total assets | 70.4281% | 6,505 |
| Equity capital to assets | 11.4427% | 2,213 |
| Core capital (leverage) ratio | 10.6499% | 2,728 |
| Tier 1 risk-based capital ratio | 12.9696% | 4,990 |
| Total risk-based capital ratio | 14.2291% | 4,939 |
| Memoranda: | ||
| Average total assets | $330,234,400 | 1,952 |
| Average earning assets | $298,896,600 | 1,992 |
| Average equity | $35,190,400 | 1,961 |
| Average total loans | $246,232,400 | 1,686 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7146% | 1,555 |
| Cost of funding earning assets | 1.0793% | 348 |
| Net interest margin | 3.6352% | 3,301 |
| Noninterest income to average assets | 0.2840% | 5,417 |
| Noninterest expense to average assets | 2.7332% | 3,891 |
| Loan and lease loss provision to assets | 0.0000% | 4,941 |
| Net operating income to assets | 0.5591% | 4,534 |
| Return on assets (ROA) | 0.5591% | 4,687 |
| Pretax return on assets | 0.8395% | 4,146 |
| Return on Equity (ROE) | 5.3473% | 4,537 |
| Retained earnings to average equity (ytd only) | 5.3473% | 2,834 |
| Net charge-offs to loans | 0.0331% | 4,472 |
| Credit loss provision to net charge-offs | 0.0000% | 4,342 |
| Earnings coverage of net charge-offs (x) | 33.9678% | 1,129 |
| Efficiency ratio | 76.5026% | 2,649 |
| Assets per employee ($millions) | 6.2751% | 1,056 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4881% | 948 |
| Loan loss allowance to noncurrent loans | 61.5664% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 5.5740% | 462 |
| Noncurrent loans to loans | 4.0414% | 856 |
| Net loans and leases to total assets | 70.4572% | 1,881 |
| Net loans and leases to deposits | 100.3379% | 457 |
| Net loans and leases to core deposits | 106.9817% | 707 |
| Total domestic deposits to total assets | 70.2199% | 6,584 |
| Equity capital to assets | 11.3296% | 2,447 |
| Core capital (leverage) ratio | 10.9520% | 2,526 |
| Tier 1 risk-based capital ratio | 13.1032% | 5,053 |
| Total risk-based capital ratio | 14.3655% | 4,990 |
| Memoranda: | ||
| Average total assets | $329,082,500 | 1,969 |
| Average earning assets | $297,709,000 | 1,998 |
| Average equity | $34,409,250 | 2,016 |
| Average total loans | $245,681,750 | 1,687 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7168% | 1,525 |
| Cost of funding earning assets | 1.1153% | 312 |
| Net interest margin | 3.6015% | 3,352 |
| Noninterest income to average assets | 0.2443% | 5,708 |
| Noninterest expense to average assets | 2.7340% | 3,910 |
| Loan and lease loss provision to assets | 0.0000% | 4,788 |
| Net operating income to assets | 0.5144% | 4,740 |
| Return on assets (ROA) | 0.5144% | 4,911 |
| Pretax return on assets | 0.7728% | 4,420 |
| Return on Equity (ROE) | 5.0662% | 4,686 |
| Retained earnings to average equity (ytd only) | 5.0662% | 3,010 |
| Net charge-offs to loans | -0.0244% | 6,040 |
| Credit loss provision to net charge-offs | 0.0000% | 4,003 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.9625% | 2,462 |
| Assets per employee ($millions) | 6.0267% | 1,183 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5067% | 980 |
| Loan loss allowance to noncurrent loans | 85.8035% | 3,848 |
| Noncurrent assets plus other real estate owned to assets | 4.3148% | 775 |
| Noncurrent loans to loans | 2.9214% | 1,533 |
| Net loans and leases to total assets | 73.8938% | 1,264 |
| Net loans and leases to deposits | 105.3314% | 239 |
| Net loans and leases to core deposits | 112.1835% | 483 |
| Total domestic deposits to total assets | 70.1536% | 6,655 |
| Equity capital to assets | 10.2363% | 3,612 |
| Core capital (leverage) ratio | 9.4131% | 4,370 |
| Tier 1 risk-based capital ratio | 11.3316% | 6,182 |
| Total risk-based capital ratio | 12.5949% | 6,147 |
| Memoranda: | ||
| Average total assets | $325,824,330 | 1,992 |
| Average earning assets | $295,158,330 | 2,011 |
| Average equity | $33,082,000 | 2,104 |
| Average total loans | $245,962,000 | 1,685 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7106% | 1,506 |
| Cost of funding earning assets | 1.1543% | 284 |
| Net interest margin | 3.5563% | 3,449 |
| Noninterest income to average assets | 0.3509% | 4,872 |
| Noninterest expense to average assets | 2.7483% | 3,879 |
| Loan and lease loss provision to assets | 0.0000% | 4,409 |
| Net operating income to assets | 0.5460% | 4,470 |
| Return on assets (ROA) | 0.5460% | 4,622 |
| Pretax return on assets | 0.8233% | 4,070 |
| Return on Equity (ROE) | 5.3994% | 4,353 |
| Retained earnings to average equity (ytd only) | 5.3994% | 3,005 |
| Net charge-offs to loans | -0.0700% | 6,277 |
| Credit loss provision to net charge-offs | 0.0000% | 3,239 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.9495% | 2,773 |
| Assets per employee ($millions) | 6.2238% | 1,125 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5140% | 1,098 |
| Loan loss allowance to noncurrent loans | 78.0058% | 4,021 |
| Noncurrent assets plus other real estate owned to assets | 4.6344% | 807 |
| Noncurrent loans to loans | 3.2229% | 1,515 |
| Net loans and leases to total assets | 72.8371% | 1,229 |
| Net loans and leases to deposits | 103.4635% | 243 |
| Net loans and leases to core deposits | 111.1758% | 458 |
| Total domestic deposits to total assets | 70.3988% | 6,740 |
| Equity capital to assets | 10.0572% | 4,071 |
| Core capital (leverage) ratio | 9.3876% | 4,262 |
| Tier 1 risk-based capital ratio | 11.2105% | 6,306 |
| Total risk-based capital ratio | 12.4739% | 6,280 |
| Memoranda: | ||
| Average total assets | $326,016,500 | 2,020 |
| Average earning assets | $295,249,000 | 2,033 |
| Average equity | $32,966,500 | 2,128 |
| Average total loans | $245,611,500 | 1,693 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7597% | 2,361 |
| Cost of funding earning assets | 1.4409% | 213 |
| Net interest margin | 3.3188% | 5,187 |
| Noninterest income to average assets | 0.1966% | 6,011 |
| Noninterest expense to average assets | 2.5219% | 5,023 |
| Loan and lease loss provision to assets | -0.2198% | 6,987 |
| Net operating income to assets | 0.5103% | 4,641 |
| Return on assets (ROA) | 0.5199% | 4,870 |
| Pretax return on assets | 0.9219% | 3,849 |
| Return on Equity (ROE) | 5.5914% | 4,377 |
| Retained earnings to average equity (ytd only) | 5.5914% | 2,321 |
| Net charge-offs to loans | 0.0749% | 4,930 |
| Credit loss provision to net charge-offs | -416.6667% | 6,490 |
| Earnings coverage of net charge-offs (x) | 13.0278% | 1,872 |
| Efficiency ratio | 78.5864% | 2,347 |
| Assets per employee ($millions) | 5.9661% | 1,300 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5138% | 1,116 |
| Loan loss allowance to noncurrent loans | 59.3175% | 4,689 |
| Noncurrent assets plus other real estate owned to assets | 5.4822% | 675 |
| Noncurrent loans to loans | 4.2379% | 1,058 |
| Net loans and leases to total assets | 74.0638% | 1,191 |
| Net loans and leases to deposits | 104.5549% | 255 |
| Net loans and leases to core deposits | 112.0576% | 465 |
| Total domestic deposits to total assets | 70.8372% | 6,755 |
| Equity capital to assets | 10.1679% | 3,934 |
| Core capital (leverage) ratio | 8.7865% | 5,200 |
| Tier 1 risk-based capital ratio | 10.8959% | 6,388 |
| Total risk-based capital ratio | 12.1592% | 6,350 |
| Memoranda: | ||
| Average total assets | $341,249,600 | 1,897 |
| Average earning assets | $309,747,600 | 1,910 |
| Average equity | $31,727,200 | 2,155 |
| Average total loans | $240,166,800 | 1,717 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7016% | 2,800 |
| Cost of funding earning assets | 1.4253% | 272 |
| Net interest margin | 3.2763% | 5,468 |
| Noninterest income to average assets | 0.2088% | 6,042 |
| Noninterest expense to average assets | 2.4815% | 5,138 |
| Loan and lease loss provision to assets | 0.0000% | 5,790 |
| Net operating income to assets | 0.3924% | 5,277 |
| Return on assets (ROA) | 0.3969% | 5,484 |
| Pretax return on assets | 0.7121% | 4,821 |
| Return on Equity (ROE) | 4.3639% | 5,116 |
| Retained earnings to average equity (ytd only) | 4.3639% | 3,817 |
| Net charge-offs to loans | 0.0669% | 4,746 |
| Credit loss provision to net charge-offs | 0.0000% | 5,158 |
| Earnings coverage of net charge-offs (x) | 15.2496% | 1,780 |
| Efficiency ratio | 77.8718% | 2,414 |
| Assets per employee ($millions) | 6.9097% | 777 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8556% | 842 |
| Loan loss allowance to noncurrent loans | 74.0115% | 4,063 |
| Noncurrent assets plus other real estate owned to assets | 4.8529% | 926 |
| Noncurrent loans to loans | 3.8583% | 1,354 |
| Net loans and leases to total assets | 68.5633% | 2,203 |
| Net loans and leases to deposits | 99.4801% | 469 |
| Net loans and leases to core deposits | 108.2421% | 643 |
| Total domestic deposits to total assets | 68.9217% | 6,888 |
| Equity capital to assets | 9.3124% | 5,451 |
| Core capital (leverage) ratio | 8.2701% | 6,059 |
| Tier 1 risk-based capital ratio | 10.4386% | 6,688 |
| Total risk-based capital ratio | 11.7050% | 6,661 |
| Memoranda: | ||
| Average total assets | $346,019,250 | 1,896 |
| Average earning assets | $314,491,750 | 1,906 |
| Average equity | $31,469,500 | 2,190 |
| Average total loans | $239,017,250 | 1,733 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6817% | 3,001 |
| Cost of funding earning assets | 1.4590% | 280 |
| Net interest margin | 3.2226% | 5,664 |
| Noninterest income to average assets | 0.1750% | 6,305 |
| Noninterest expense to average assets | 2.4818% | 5,199 |
| Loan and lease loss provision to assets | 0.0000% | 5,619 |
| Net operating income to assets | 0.3518% | 5,421 |
| Return on assets (ROA) | 0.3518% | 5,647 |
| Pretax return on assets | 0.6216% | 5,063 |
| Return on Equity (ROE) | 3.8995% | 5,308 |
| Retained earnings to average equity (ytd only) | 3.8995% | 4,016 |
| Net charge-offs to loans | -0.4979% | 7,128 |
| Credit loss provision to net charge-offs | 0.0000% | 4,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.9702% | 2,183 |
| Assets per employee ($millions) | 6.6518% | 882 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1888% | 648 |
| Loan loss allowance to noncurrent loans | 104.8934% | 3,077 |
| Noncurrent assets plus other real estate owned to assets | 4.7185% | 1,025 |
| Noncurrent loans to loans | 3.0401% | 1,939 |
| Net loans and leases to total assets | 68.6760% | 2,170 |
| Net loans and leases to deposits | 101.1497% | 375 |
| Net loans and leases to core deposits | 111.0831% | 539 |
| Total domestic deposits to total assets | 67.8955% | 6,999 |
| Equity capital to assets | 9.3019% | 5,312 |
| Core capital (leverage) ratio | 8.3381% | 5,863 |
| Tier 1 risk-based capital ratio | 10.2959% | 6,756 |
| Total risk-based capital ratio | 11.5660% | 6,739 |
| Memoranda: | ||
| Average total assets | $346,197,330 | 1,890 |
| Average earning assets | $314,588,670 | 1,896 |
| Average equity | $31,235,000 | 2,190 |
| Average total loans | $237,410,000 | 1,736 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6454% | 3,289 |
| Cost of funding earning assets | 1.5242% | 254 |
| Net interest margin | 3.1212% | 5,980 |
| Noninterest income to average assets | 0.2070% | 6,145 |
| Noninterest expense to average assets | 2.4194% | 5,406 |
| Loan and lease loss provision to assets | 0.0000% | 5,254 |
| Net operating income to assets | 0.3866% | 5,314 |
| Return on assets (ROA) | 0.3866% | 5,494 |
| Pretax return on assets | 0.6269% | 5,025 |
| Return on Equity (ROE) | 4.3508% | 5,116 |
| Retained earnings to average equity (ytd only) | 4.3508% | 3,983 |
| Net charge-offs to loans | 0.0458% | 4,061 |
| Credit loss provision to net charge-offs | 0.0000% | 3,998 |
| Earnings coverage of net charge-offs (x) | 20.2963% | 1,193 |
| Efficiency ratio | 79.4217% | 2,283 |
| Assets per employee ($millions) | 6.9435% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0261% | 811 |
| Loan loss allowance to noncurrent loans | 69.8130% | 4,047 |
| Noncurrent assets plus other real estate owned to assets | 5.2729% | 964 |
| Noncurrent loans to loans | 4.3345% | 1,374 |
| Net loans and leases to total assets | 65.1313% | 2,628 |
| Net loans and leases to deposits | 96.1186% | 529 |
| Net loans and leases to core deposits | 108.3812% | 593 |
| Total domestic deposits to total assets | 67.7614% | 7,057 |
| Equity capital to assets | 8.9955% | 5,501 |
| Core capital (leverage) ratio | 7.8767% | 6,351 |
| Tier 1 risk-based capital ratio | 10.5187% | 6,732 |
| Total risk-based capital ratio | 11.7871% | 6,714 |
| Memoranda: | ||
| Average total assets | $349,675,000 | 1,889 |
| Average earning assets | $318,078,500 | 1,887 |
| Average equity | $31,074,500 | 2,199 |
| Average total loans | $235,789,000 | 1,755 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8928% | 3,392 |
| Cost of funding earning assets | 1.7905% | 221 |
| Net interest margin | 3.1023% | 6,341 |
| Noninterest income to average assets | 0.1250% | 6,524 |
| Noninterest expense to average assets | 2.4471% | 5,644 |
| Loan and lease loss provision to assets | 0.3750% | 2,745 |
| Net operating income to assets | 0.0748% | 5,913 |
| Return on assets (ROA) | 0.1922% | 5,739 |
| Pretax return on assets | 0.2617% | 5,650 |
| Return on Equity (ROE) | 2.2826% | 5,548 |
| Retained earnings to average equity (ytd only) | 2.2826% | 4,588 |
| Net charge-offs to loans | 0.7399% | 2,296 |
| Credit loss provision to net charge-offs | 75.3348% | 4,662 |
| Earnings coverage of net charge-offs (x) | 0.9559% | 5,083 |
| Efficiency ratio | 83.7198% | 1,799 |
| Assets per employee ($millions) | 6.9054% | 769 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9710% | 835 |
| Loan loss allowance to noncurrent loans | 66.9724% | 4,173 |
| Noncurrent assets plus other real estate owned to assets | 5.3905% | 958 |
| Noncurrent loans to loans | 4.4362% | 1,347 |
| Net loans and leases to total assets | 65.6831% | 2,842 |
| Net loans and leases to deposits | 96.6653% | 645 |
| Net loans and leases to core deposits | 108.3512% | 684 |
| Total domestic deposits to total assets | 67.9490% | 7,074 |
| Equity capital to assets | 8.7794% | 5,818 |
| Core capital (leverage) ratio | 7.6292% | 6,579 |
| Tier 1 risk-based capital ratio | 10.1569% | 6,813 |
| Total risk-based capital ratio | 11.4249% | 6,790 |
| Memoranda: | ||
| Average total assets | $359,971,800 | 1,802 |
| Average earning assets | $324,660,800 | 1,819 |
| Average equity | $30,316,400 | 2,172 |
| Average total loans | $242,189,800 | 1,729 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9306% | 3,422 |
| Cost of funding earning assets | 1.8476% | 211 |
| Net interest margin | 3.0829% | 6,423 |
| Noninterest income to average assets | 0.1120% | 6,698 |
| Noninterest expense to average assets | 2.4380% | 5,664 |
| Loan and lease loss provision to assets | 0.4973% | 1,998 |
| Net operating income to assets | -0.0381% | 6,201 |
| Return on assets (ROA) | 0.1374% | 5,997 |
| Pretax return on assets | 0.1735% | 5,943 |
| Return on Equity (ROE) | 1.6486% | 5,886 |
| Retained earnings to average equity (ytd only) | 1.6486% | 5,313 |
| Net charge-offs to loans | 0.7699% | 2,024 |
| Credit loss provision to net charge-offs | 96.1538% | 3,569 |
| Earnings coverage of net charge-offs (x) | 0.8675% | 4,970 |
| Efficiency ratio | 84.4564% | 1,691 |
| Assets per employee ($millions) | 7.1355% | 687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1133% | 789 |
| Loan loss allowance to noncurrent loans | 53.0762% | 4,819 |
| Noncurrent assets plus other real estate owned to assets | 6.7176% | 754 |
| Noncurrent loans to loans | 5.8658% | 965 |
| Net loans and leases to total assets | 63.8884% | 3,334 |
| Net loans and leases to deposits | 92.5542% | 963 |
| Net loans and leases to core deposits | 105.9318% | 871 |
| Total domestic deposits to total assets | 69.0281% | 7,092 |
| Equity capital to assets | 8.4073% | 6,391 |
| Core capital (leverage) ratio | 7.3777% | 6,820 |
| Tier 1 risk-based capital ratio | 9.6552% | 7,029 |
| Total risk-based capital ratio | 10.9241% | 7,022 |
| Memoranda: | ||
| Average total assets | $361,920,750 | 1,807 |
| Average earning assets | $325,741,250 | 1,827 |
| Average equity | $30,165,750 | 2,187 |
| Average total loans | $243,136,500 | 1,733 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9753% | 3,285 |
| Cost of funding earning assets | 1.8928% | 216 |
| Net interest margin | 3.0825% | 6,445 |
| Noninterest income to average assets | 0.1356% | 6,648 |
| Noninterest expense to average assets | 2.4132% | 5,803 |
| Loan and lease loss provision to assets | 0.7474% | 1,245 |
| Net operating income to assets | -0.2552% | 6,519 |
| Return on assets (ROA) | 0.0786% | 6,141 |
| Pretax return on assets | 0.0786% | 6,135 |
| Return on Equity (ROE) | 0.9460% | 6,103 |
| Retained earnings to average equity (ytd only) | 0.9460% | 5,491 |
| Net charge-offs to loans | 1.1286% | 1,386 |
| Credit loss provision to net charge-offs | 97.9681% | 3,221 |
| Earnings coverage of net charge-offs (x) | 0.6451% | 4,818 |
| Efficiency ratio | 83.0602% | 1,948 |
| Assets per employee ($millions) | 7.2140% | 653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0450% | 857 |
| Loan loss allowance to noncurrent loans | 83.9342% | 3,367 |
| Noncurrent assets plus other real estate owned to assets | 5.8453% | 968 |
| Noncurrent loans to loans | 3.6279% | 1,941 |
| Net loans and leases to total assets | 66.1797% | 2,994 |
| Net loans and leases to deposits | 94.6728% | 823 |
| Net loans and leases to core deposits | 108.6226% | 777 |
| Total domestic deposits to total assets | 69.9036% | 7,116 |
| Equity capital to assets | 8.3702% | 6,340 |
| Core capital (leverage) ratio | 7.3731% | 6,829 |
| Tier 1 risk-based capital ratio | 9.2546% | 7,148 |
| Total risk-based capital ratio | 10.5228% | 7,140 |
| Memoranda: | ||
| Average total assets | $361,257,330 | 1,816 |
| Average earning assets | $324,606,330 | 1,836 |
| Average equity | $30,022,670 | 2,185 |
| Average total loans | $244,192,670 | 1,748 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9709% | 3,247 |
| Cost of funding earning assets | 1.9547% | 199 |
| Net interest margin | 3.0162% | 6,546 |
| Noninterest income to average assets | 0.0708% | 7,034 |
| Noninterest expense to average assets | 2.4197% | 5,825 |
| Loan and lease loss provision to assets | 0.2766% | 2,943 |
| Net operating income to assets | 0.0620% | 6,204 |
| Return on assets (ROA) | 0.4957% | 4,588 |
| Pretax return on assets | 0.7579% | 4,065 |
| Return on Equity (ROE) | 5.9856% | 3,910 |
| Retained earnings to average equity (ytd only) | 5.9856% | 2,646 |
| Net charge-offs to loans | 1.7123% | 772 |
| Credit loss provision to net charge-offs | 24.0154% | 4,211 |
| Earnings coverage of net charge-offs (x) | 0.3189% | 4,374 |
| Efficiency ratio | 86.8202% | 1,628 |
| Assets per employee ($millions) | 7.2967% | 640 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7884% | 1,127 |
| Loan loss allowance to noncurrent loans | 92.1330% | 3,107 |
| Noncurrent assets plus other real estate owned to assets | 5.5107% | 1,098 |
| Noncurrent loans to loans | 3.0265% | 2,486 |
| Net loans and leases to total assets | 64.3493% | 3,378 |
| Net loans and leases to deposits | 93.9926% | 825 |
| Net loans and leases to core deposits | 110.6904% | 691 |
| Total domestic deposits to total assets | 68.4621% | 7,254 |
| Equity capital to assets | 8.2494% | 6,224 |
| Core capital (leverage) ratio | 7.6133% | 6,641 |
| Tier 1 risk-based capital ratio | 9.6697% | 7,104 |
| Total risk-based capital ratio | 10.9346% | 7,113 |
| Memoranda: | ||
| Average total assets | $361,537,000 | 1,820 |
| Average earning assets | $325,574,500 | 1,843 |
| Average equity | $29,938,500 | 2,181 |
| Average total loans | $243,186,000 | 1,769 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0750% | 4,208 |
| Cost of funding earning assets | 2.2878% | 221 |
| Net interest margin | 2.7872% | 7,044 |
| Noninterest income to average assets | 0.0261% | 7,204 |
| Noninterest expense to average assets | 2.3076% | 6,338 |
| Loan and lease loss provision to assets | 0.6658% | 2,484 |
| Net operating income to assets | -0.2300% | 6,146 |
| Return on assets (ROA) | -0.1843% | 6,150 |
| Pretax return on assets | -0.3550% | 6,204 |
| Return on Equity (ROE) | -2.3119% | 6,206 |
| Retained earnings to average equity (ytd only) | -2.3119% | 6,013 |
| Net charge-offs to loans | 1.5512% | 1,414 |
| Credit loss provision to net charge-offs | 64.4662% | 5,998 |
| Earnings coverage of net charge-offs (x) | 0.2318% | 5,877 |
| Efficiency ratio | 90.6002% | 1,276 |
| Assets per employee ($millions) | 7.1647% | 690 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0731% | 819 |
| Loan loss allowance to noncurrent loans | 67.8968% | 4,006 |
| Noncurrent assets plus other real estate owned to assets | 6.1786% | 943 |
| Noncurrent loans to loans | 4.5261% | 1,558 |
| Net loans and leases to total assets | 66.2531% | 3,414 |
| Net loans and leases to deposits | 93.6316% | 1,094 |
| Net loans and leases to core deposits | 111.2891% | 853 |
| Total domestic deposits to total assets | 70.7593% | 7,192 |
| Equity capital to assets | 8.3129% | 6,129 |
| Core capital (leverage) ratio | 7.5287% | 6,682 |
| Tier 1 risk-based capital ratio | 9.9223% | 7,014 |
| Total risk-based capital ratio | 11.1914% | 6,995 |
| Memoranda: | ||
| Average total assets | $375,505,600 | 1,755 |
| Average earning assets | $339,628,200 | 1,759 |
| Average equity | $29,931,800 | 2,182 |
| Average total loans | $250,006,000 | 1,759 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0281% | 4,683 |
| Cost of funding earning assets | 2.3392% | 239 |
| Net interest margin | 2.6889% | 7,248 |
| Noninterest income to average assets | 0.0014% | 7,433 |
| Noninterest expense to average assets | 2.2666% | 6,418 |
| Loan and lease loss provision to assets | 0.6143% | 2,483 |
| Net operating income to assets | -0.2470% | 6,379 |
| Return on assets (ROA) | -0.1362% | 6,311 |
| Pretax return on assets | -0.2742% | 6,389 |
| Return on Equity (ROE) | -1.7261% | 6,367 |
| Retained earnings to average equity (ytd only) | -1.7261% | 6,145 |
| Net charge-offs to loans | 1.4851% | 1,355 |
| Credit loss provision to net charge-offs | 62.5223% | 5,626 |
| Earnings coverage of net charge-offs (x) | 0.1701% | 5,853 |
| Efficiency ratio | 93.1343% | 1,050 |
| Assets per employee ($millions) | 7.4139% | 644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2380% | 675 |
| Loan loss allowance to noncurrent loans | 72.2938% | 3,694 |
| Noncurrent assets plus other real estate owned to assets | 5.9324% | 1,013 |
| Noncurrent loans to loans | 4.4789% | 1,614 |
| Net loans and leases to total assets | 63.3149% | 4,254 |
| Net loans and leases to deposits | 89.0924% | 1,847 |
| Net loans and leases to core deposits | 109.6184% | 1,059 |
| Total domestic deposits to total assets | 71.0666% | 7,212 |
| Equity capital to assets | 8.2807% | 6,531 |
| Core capital (leverage) ratio | 7.4267% | 6,902 |
| Tier 1 risk-based capital ratio | 10.0383% | 7,046 |
| Total risk-based capital ratio | 11.3087% | 7,013 |
| Memoranda: | ||
| Average total assets | $379,822,750 | 1,754 |
| Average earning assets | $343,577,500 | 1,766 |
| Average equity | $29,969,750 | 2,200 |
| Average total loans | $251,290,500 | 1,776 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9764% | 5,046 |
| Cost of funding earning assets | 2.3957% | 241 |
| Net interest margin | 2.5807% | 7,364 |
| Noninterest income to average assets | 0.0345% | 7,415 |
| Noninterest expense to average assets | 2.2415% | 6,538 |
| Loan and lease loss provision to assets | 0.9142% | 1,591 |
| Net operating income to assets | -0.4689% | 6,618 |
| Return on assets (ROA) | -0.4111% | 6,618 |
| Pretax return on assets | -0.6995% | 6,722 |
| Return on Equity (ROE) | -5.2947% | 6,721 |
| Retained earnings to average equity (ytd only) | -5.2947% | 6,588 |
| Net charge-offs to loans | 1.9827% | 922 |
| Credit loss provision to net charge-offs | 69.4444% | 4,982 |
| Earnings coverage of net charge-offs (x) | 0.0944% | 5,630 |
| Efficiency ratio | 94.7450% | 1,022 |
| Assets per employee ($millions) | 7.2681% | 680 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2934% | 644 |
| Loan loss allowance to noncurrent loans | 67.3456% | 3,968 |
| Noncurrent assets plus other real estate owned to assets | 6.0285% | 972 |
| Noncurrent loans to loans | 4.8903% | 1,431 |
| Net loans and leases to total assets | 63.1963% | 4,420 |
| Net loans and leases to deposits | 89.2658% | 1,968 |
| Net loans and leases to core deposits | 110.7200% | 1,118 |
| Total domestic deposits to total assets | 70.7956% | 7,279 |
| Equity capital to assets | 8.0867% | 6,667 |
| Core capital (leverage) ratio | 7.3332% | 6,970 |
| Tier 1 risk-based capital ratio | 9.8684% | 7,096 |
| Total risk-based capital ratio | 11.1392% | 7,061 |
| Memoranda: | ||
| Average total assets | $382,866,000 | 1,754 |
| Average earning assets | $345,871,670 | 1,767 |
| Average equity | $29,727,670 | 2,206 |
| Average total loans | $254,201,330 | 1,783 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9137% | 5,394 |
| Cost of funding earning assets | 2.4804% | 237 |
| Net interest margin | 2.4333% | 7,512 |
| Noninterest income to average assets | 0.0893% | 7,260 |
| Noninterest expense to average assets | 2.1436% | 6,826 |
| Loan and lease loss provision to assets | 0.7786% | 1,620 |
| Net operating income to assets | -0.3620% | 6,730 |
| Return on assets (ROA) | -0.2471% | 6,667 |
| Pretax return on assets | -0.4568% | 6,754 |
| Return on Equity (ROE) | -3.2480% | 6,763 |
| Retained earnings to average equity (ytd only) | -3.2480% | 6,399 |
| Net charge-offs to loans | 2.1007% | 814 |
| Credit loss provision to net charge-offs | 55.3914% | 4,397 |
| Earnings coverage of net charge-offs (x) | 0.1012% | 4,942 |
| Efficiency ratio | 93.7784% | 1,147 |
| Assets per employee ($millions) | 7.6625% | 599 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2669% | 659 |
| Loan loss allowance to noncurrent loans | 51.1715% | 4,914 |
| Noncurrent assets plus other real estate owned to assets | 6.9762% | 773 |
| Noncurrent loans to loans | 6.3842% | 988 |
| Net loans and leases to total assets | 62.8819% | 4,565 |
| Net loans and leases to deposits | 87.8102% | 2,255 |
| Net loans and leases to core deposits | 113.9836% | 1,042 |
| Total domestic deposits to total assets | 71.6112% | 7,300 |
| Equity capital to assets | 7.8150% | 6,835 |
| Core capital (leverage) ratio | 7.3861% | 6,949 |
| Tier 1 risk-based capital ratio | 9.8297% | 7,132 |
| Total risk-based capital ratio | 11.1006% | 7,119 |
| Memoranda: | ||
| Average total assets | $385,329,000 | 1,793 |
| Average earning assets | $347,841,000 | 1,797 |
| Average equity | $29,310,000 | 2,264 |
| Average total loans | $257,813,000 | 1,816 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3096% | 5,126 |
| Cost of funding earning assets | 2.7893% | 461 |
| Net interest margin | 2.5202% | 7,408 |
| Noninterest income to average assets | -0.3534% | 7,905 |
| Noninterest expense to average assets | 2.2366% | 6,900 |
| Loan and lease loss provision to assets | 1.9848% | 1,092 |
| Net operating income to assets | -1.3247% | 6,777 |
| Return on assets (ROA) | -1.3440% | 6,791 |
| Pretax return on assets | -2.2753% | 7,053 |
| Return on Equity (ROE) | -17.0503% | 7,033 |
| Retained earnings to average equity (ytd only) | -17.3431% | 7,004 |
| Net charge-offs to loans | 1.6032% | 1,574 |
| Credit loss provision to net charge-offs | 165.5261% | 2,632 |
| Earnings coverage of net charge-offs (x) | -0.2173% | 6,467 |
| Efficiency ratio | 113.1845% | 735 |
| Assets per employee ($millions) | 7.5974% | 609 |
| Cash dividends to net income (ytd only)* | -1.7172% | 7,419 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4034% | 574 |
| Loan loss allowance to noncurrent loans | 49.9663% | 5,050 |
| Noncurrent assets plus other real estate owned to assets | 7.8206% | 589 |
| Noncurrent loans to loans | 6.8114% | 851 |
| Net loans and leases to total assets | 66.5199% | 4,032 |
| Net loans and leases to deposits | 92.1695% | 1,870 |
| Net loans and leases to core deposits | 104.3531% | 3,529 |
| Total domestic deposits to total assets | 72.1713% | 7,227 |
| Equity capital to assets | 7.3920% | 7,125 |
| Core capital (leverage) ratio | 7.1708% | 7,095 |
| Tier 1 risk-based capital ratio | 9.1164% | 7,417 |
| Total risk-based capital ratio | 10.3880% | 7,423 |
| Memoranda: | ||
| Average total assets | $389,969,800 | 1,763 |
| Average earning assets | $360,443,600 | 1,740 |
| Average equity | $30,738,400 | 2,181 |
| Average total loans | $291,669,400 | 1,644 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3612% | 5,128 |
| Cost of funding earning assets | 2.8285% | 555 |
| Net interest margin | 2.5327% | 7,423 |
| Noninterest income to average assets | -0.1199% | 7,941 |
| Noninterest expense to average assets | 2.2308% | 6,893 |
| Loan and lease loss provision to assets | 2.0127% | 896 |
| Net operating income to assets | -1.2082% | 6,961 |
| Return on assets (ROA) | -1.1917% | 6,960 |
| Pretax return on assets | -1.9842% | 7,175 |
| Return on Equity (ROE) | -14.8942% | 7,183 |
| Retained earnings to average equity (ytd only) | -15.2763% | 7,150 |
| Net charge-offs to loans | 1.7041% | 1,189 |
| Credit loss provision to net charge-offs | 154.9425% | 3,089 |
| Earnings coverage of net charge-offs (x) | 0.0021% | 6,061 |
| Efficiency ratio | 99.8783% | 1,067 |
| Assets per employee ($millions) | 7.2775% | 703 |
| Cash dividends to net income (ytd only)* | -2.5656% | 7,658 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8086% | 782 |
| Loan loss allowance to noncurrent loans | 36.8001% | 5,941 |
| Noncurrent assets plus other real estate owned to assets | 7.2893% | 630 |
| Noncurrent loans to loans | 7.6321% | 666 |
| Net loans and leases to total assets | 72.6053% | 2,884 |
| Net loans and leases to deposits | 101.3538% | 982 |
| Net loans and leases to core deposits | 115.9667% | 2,625 |
| Total domestic deposits to total assets | 71.6355% | 7,257 |
| Equity capital to assets | 7.9536% | 6,893 |
| Core capital (leverage) ratio | 7.6186% | 6,838 |
| Tier 1 risk-based capital ratio | 9.4030% | 7,434 |
| Total risk-based capital ratio | 10.6487% | 7,407 |
| Memoranda: | ||
| Average total assets | $392,494,750 | 1,766 |
| Average earning assets | $364,709,000 | 1,739 |
| Average equity | $31,403,000 | 2,150 |
| Average total loans | $299,188,750 | 1,623 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3725% | 5,290 |
| Cost of funding earning assets | 2.8232% | 737 |
| Net interest margin | 2.5493% | 7,414 |
| Noninterest income to average assets | -0.2311% | 8,076 |
| Noninterest expense to average assets | 2.2166% | 7,017 |
| Loan and lease loss provision to assets | 2.4800% | 632 |
| Net operating income to assets | -1.5427% | 7,266 |
| Return on assets (ROA) | -1.5182% | 7,256 |
| Pretax return on assets | -2.5127% | 7,423 |
| Return on Equity (ROE) | -18.9398% | 7,477 |
| Retained earnings to average equity (ytd only) | -19.5052% | 7,437 |
| Net charge-offs to loans | 2.4668% | 709 |
| Credit loss provision to net charge-offs | 131.0538% | 3,560 |
| Earnings coverage of net charge-offs (x) | -0.0375% | 5,728 |
| Efficiency ratio | 103.3091% | 1,047 |
| Assets per employee ($millions) | 7.3830% | 642 |
| Cash dividends to net income (ytd only)* | -2.9851% | 7,783 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3986% | 993 |
| Loan loss allowance to noncurrent loans | 28.1710% | 6,618 |
| Noncurrent assets plus other real estate owned to assets | 7.7087% | 509 |
| Noncurrent loans to loans | 8.5143% | 487 |
| Net loans and leases to total assets | 72.8459% | 2,991 |
| Net loans and leases to deposits | 100.1138% | 1,279 |
| Net loans and leases to core deposits | 115.6126% | 2,748 |
| Total domestic deposits to total assets | 72.7631% | 7,143 |
| Equity capital to assets | 7.6885% | 7,089 |
| Core capital (leverage) ratio | 7.6442% | 6,835 |
| Tier 1 risk-based capital ratio | 9.2947% | 7,543 |
| Total risk-based capital ratio | 10.5265% | 7,544 |
| Memoranda: | ||
| Average total assets | $397,182,670 | 1,774 |
| Average earning assets | $370,291,000 | 1,737 |
| Average equity | $31,837,670 | 2,125 |
| Average total loans | $304,684,670 | 1,623 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5032% | 4,896 |
| Cost of funding earning assets | 2.8274% | 917 |
| Net interest margin | 2.6758% | 7,255 |
| Noninterest income to average assets | 0.1140% | 7,461 |
| Noninterest expense to average assets | 2.0504% | 7,233 |
| Loan and lease loss provision to assets | 0.5998% | 2,100 |
| Net operating income to assets | -0.0194% | 6,288 |
| Return on assets (ROA) | 0.5478% | 4,408 |
| Pretax return on assets | 0.8417% | 3,918 |
| Return on Equity (ROE) | 6.7005% | 3,717 |
| Retained earnings to average equity (ytd only) | 5.6000% | 2,823 |
| Net charge-offs to loans | 0.7974% | 1,619 |
| Credit loss provision to net charge-offs | 96.7742% | 3,865 |
| Earnings coverage of net charge-offs (x) | 0.9177% | 4,310 |
| Efficiency ratio | 78.2824% | 3,121 |
| Assets per employee ($millions) | 7.6668% | 580 |
| Cash dividends to net income (ytd only)* | 16.4234% | 2,625 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8963% | 1,624 |
| Loan loss allowance to noncurrent loans | 22.8008% | 7,026 |
| Noncurrent assets plus other real estate owned to assets | 7.8220% | 395 |
| Noncurrent loans to loans | 8.3170% | 420 |
| Net loans and leases to total assets | 75.5097% | 2,389 |
| Net loans and leases to deposits | 102.4685% | 1,133 |
| Net loans and leases to core deposits | 119.9719% | 2,415 |
| Total domestic deposits to total assets | 73.6907% | 6,938 |
| Equity capital to assets | 8.2484% | 6,466 |
| Core capital (leverage) ratio | 8.4667% | 5,603 |
| Tier 1 risk-based capital ratio | 9.6012% | 7,338 |
| Total risk-based capital ratio | 10.8123% | 7,315 |
| Memoranda: | ||
| Average total assets | $400,125,500 | 1,764 |
| Average earning assets | $374,618,000 | 1,732 |
| Average equity | $32,714,000 | 2,072 |
| Average total loans | $311,002,500 | 1,608 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 7.0896% | 931 |
| Cost of funding earning assets | 3.2766% | 988 |
| Net interest margin | 3.8130% | 3,962 |
| Noninterest income to average assets | 0.1225% | 7,506 |
| Noninterest expense to average assets | 1.9259% | 7,574 |
| Loan and lease loss provision to assets | 1.1193% | 1,293 |
| Net operating income to assets | 0.4470% | 4,960 |
| Return on assets (ROA) | 0.4559% | 4,754 |
| Pretax return on assets | 0.6888% | 4,436 |
| Return on Equity (ROE) | 5.3746% | 4,206 |
| Retained earnings to average equity (ytd only) | 2.8791% | 3,386 |
| Net charge-offs to loans | 0.4916% | 2,394 |
| Credit loss provision to net charge-offs | 283.7022% | 1,606 |
| Earnings coverage of net charge-offs (x) | 4.5486% | 3,938 |
| Efficiency ratio | 51.7639% | 7,516 |
| Assets per employee ($millions) | 7.7227% | 509 |
| Cash dividends to net income (ytd only)* | 46.4306% | 3,316 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8528% | 1,524 |
| Loan loss allowance to noncurrent loans | 31.3857% | 6,630 |
| Noncurrent assets plus other real estate owned to assets | 5.4928% | 591 |
| Noncurrent loans to loans | 5.9032% | 619 |
| Net loans and leases to total assets | 77.0237% | 2,367 |
| Net loans and leases to deposits | 106.8447% | 1,057 |
| Net loans and leases to core deposits | 130.1721% | 1,839 |
| Total domestic deposits to total assets | 72.0894% | 6,979 |
| Equity capital to assets | 8.1040% | 6,687 |
| Core capital (leverage) ratio | 8.4152% | 5,726 |
| Tier 1 risk-based capital ratio | 9.3843% | 7,426 |
| Total risk-based capital ratio | 10.6399% | 7,345 |
| Memoranda: | ||
| Average total assets | $377,904,200 | 1,788 |
| Average earning assets | $356,592,800 | 1,738 |
| Average equity | $32,058,400 | 2,110 |
| Average total loans | $303,297,400 | 1,595 |