Home > Revere Bank > Performance and Condition Ratios
Revere Bank, Performance and Condition Ratios
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7933% | 1,438 |
| Cost of funding earning assets | 1.2569% | 639 |
| Net interest margin | 3.5364% | 2,862 |
| Noninterest income to average assets | 0.1008% | 4,824 |
| Noninterest expense to average assets | 2.4560% | 3,403 |
| Loan and lease loss provision to assets | 0.9904% | 216 |
| Net operating income to assets | 0.0811% | 4,677 |
| Return on assets (ROA) | 0.0811% | 4,670 |
| Pretax return on assets | 0.0513% | 4,699 |
| Return on Equity (ROE) | 0.7557% | 4,657 |
| Retained earnings to average equity (ytd only) | 0.7557% | 3,804 |
| Net charge-offs to loans | 0.7753% | 198 |
| Credit loss provision to net charge-offs | 146.4962% | 1,592 |
| Earnings coverage of net charge-offs (x) | 1.5409% | 2,379 |
| Efficiency ratio | 70.2182% | 2,320 |
| Assets per employee ($millions) | 12.5097% | 213 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,581 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0084% | 3,662 |
| Loan loss allowance to noncurrent loans | 215.7989% | 1,957 |
| Noncurrent assets plus other real estate owned to assets | 0.4126% | 2,806 |
| Noncurrent loans to loans | 0.4673% | 2,848 |
| Net loans and leases to total assets | 87.4021% | 80 |
| Net loans and leases to deposits | 107.5507% | 248 |
| Net loans and leases to core deposits | 126.0796% | 332 |
| Total domestic deposits to total assets | 81.2660% | 3,610 |
| Equity capital to assets | 10.8179% | 3,030 |
| Core capital (leverage) ratio | 9.9886% | 3,472 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 13.1439% | 2,638 |
| Memoranda: | ||
| Average total assets | $2,845,437,500 | 334 |
| Average earning assets | $2,733,144,500 | 322 |
| Average equity | $305,412,000 | 351 |
| Average total loans | $2,481,084,500 | 295 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0689% | 1,293 |
| Cost of funding earning assets | 1.4293% | 506 |
| Net interest margin | 3.6395% | 2,997 |
| Noninterest income to average assets | 0.1107% | 4,900 |
| Noninterest expense to average assets | 1.7961% | 4,775 |
| Loan and lease loss provision to assets | 0.1813% | 1,141 |
| Net operating income to assets | 1.1936% | 2,083 |
| Return on assets (ROA) | 1.1936% | 2,179 |
| Pretax return on assets | 1.6304% | 1,401 |
| Return on Equity (ROE) | 11.1213% | 1,835 |
| Retained earnings to average equity (ytd only) | 11.1213% | 315 |
| Net charge-offs to loans | 0.0211% | 2,992 |
| Credit loss provision to net charge-offs | 1,005.0104% | 338 |
| Earnings coverage of net charge-offs (x) | 100.4426% | 674 |
| Efficiency ratio | 49.7850% | 4,740 |
| Assets per employee ($millions) | 11.7333% | 244 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,913 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9388% | 3,787 |
| Loan loss allowance to noncurrent loans | 1,159.8893% | 509 |
| Noncurrent assets plus other real estate owned to assets | 0.0697% | 4,276 |
| Noncurrent loans to loans | 0.0809% | 4,197 |
| Net loans and leases to total assets | 85.2940% | 219 |
| Net loans and leases to deposits | 103.6891% | 389 |
| Net loans and leases to core deposits | 120.7839% | 456 |
| Total domestic deposits to total assets | 82.2594% | 3,432 |
| Equity capital to assets | 10.6492% | 3,310 |
| Core capital (leverage) ratio | 9.4834% | 4,082 |
| Tier 1 risk-based capital ratio | 10.9859% | 4,865 |
| Total risk-based capital ratio | 13.1486% | 4,292 |
| Memoranda: | ||
| Average total assets | $2,655,711,200 | 340 |
| Average earning assets | $2,551,773,600 | 326 |
| Average equity | $285,020,400 | 357 |
| Average total loans | $2,270,329,800 | 300 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0682% | 1,362 |
| Cost of funding earning assets | 1.4245% | 530 |
| Net interest margin | 3.6436% | 3,116 |
| Noninterest income to average assets | 0.1177% | 4,927 |
| Noninterest expense to average assets | 1.7800% | 4,844 |
| Loan and lease loss provision to assets | 0.1845% | 980 |
| Net operating income to assets | 1.2102% | 2,160 |
| Return on assets (ROA) | 1.2102% | 2,234 |
| Pretax return on assets | 1.6535% | 1,462 |
| Return on Equity (ROE) | 11.2525% | 1,909 |
| Retained earnings to average equity (ytd only) | 11.2525% | 481 |
| Net charge-offs to loans | 0.0220% | 2,660 |
| Credit loss provision to net charge-offs | 982.8338% | 361 |
| Earnings coverage of net charge-offs (x) | 97.9158% | 764 |
| Efficiency ratio | 49.1991% | 4,788 |
| Assets per employee ($millions) | 11.4322% | 246 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9276% | 3,935 |
| Loan loss allowance to noncurrent loans | 487.4972% | 1,002 |
| Noncurrent assets plus other real estate owned to assets | 0.1588% | 3,943 |
| Noncurrent loans to loans | 0.1903% | 3,855 |
| Net loans and leases to total assets | 82.6942% | 497 |
| Net loans and leases to deposits | 100.3041% | 606 |
| Net loans and leases to core deposits | 118.2669% | 588 |
| Total domestic deposits to total assets | 82.4435% | 3,336 |
| Equity capital to assets | 10.4130% | 3,623 |
| Core capital (leverage) ratio | 9.7914% | 3,867 |
| Tier 1 risk-based capital ratio | 11.0921% | 4,867 |
| Total risk-based capital ratio | 13.3020% | 4,283 |
| Memoranda: | ||
| Average total assets | $2,606,843,500 | 346 |
| Average earning assets | $2,504,229,750 | 335 |
| Average equity | $280,368,500 | 366 |
| Average total loans | $2,224,178,500 | 306 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0560% | 1,334 |
| Cost of funding earning assets | 1.3994% | 535 |
| Net interest margin | 3.6567% | 3,086 |
| Noninterest income to average assets | 0.1140% | 4,987 |
| Noninterest expense to average assets | 1.7936% | 4,883 |
| Loan and lease loss provision to assets | 0.1743% | 1,036 |
| Net operating income to assets | 1.2182% | 2,080 |
| Return on assets (ROA) | 1.2182% | 2,137 |
| Pretax return on assets | 1.6594% | 1,367 |
| Return on Equity (ROE) | 11.1940% | 1,906 |
| Retained earnings to average equity (ytd only) | 11.1940% | 522 |
| Net charge-offs to loans | -0.0124% | 4,390 |
| Credit loss provision to net charge-offs | -1,633.3333% | 4,354 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4477% | 4,816 |
| Assets per employee ($millions) | 10.8096% | 272 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9173% | 4,023 |
| Loan loss allowance to noncurrent loans | 1,908.6129% | 356 |
| Noncurrent assets plus other real estate owned to assets | 0.1026% | 4,243 |
| Noncurrent loans to loans | 0.0481% | 4,474 |
| Net loans and leases to total assets | 86.5677% | 174 |
| Net loans and leases to deposits | 106.8644% | 307 |
| Net loans and leases to core deposits | 128.3058% | 350 |
| Total domestic deposits to total assets | 81.0071% | 3,812 |
| Equity capital to assets | 10.8988% | 3,178 |
| Core capital (leverage) ratio | 10.2305% | 3,356 |
| Tier 1 risk-based capital ratio | 10.9871% | 4,913 |
| Total risk-based capital ratio | 13.2126% | 4,322 |
| Memoranda: | ||
| Average total assets | $2,530,727,670 | 358 |
| Average earning assets | $2,431,549,330 | 341 |
| Average equity | $275,415,330 | 372 |
| Average total loans | $2,176,741,330 | 311 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9988% | 1,338 |
| Cost of funding earning assets | 1.3702% | 511 |
| Net interest margin | 3.6286% | 3,142 |
| Noninterest income to average assets | 0.0786% | 5,147 |
| Noninterest expense to average assets | 1.7906% | 4,933 |
| Loan and lease loss provision to assets | 0.1239% | 1,415 |
| Net operating income to assets | 1.2098% | 2,018 |
| Return on assets (ROA) | 1.2098% | 2,068 |
| Pretax return on assets | 1.6550% | 1,327 |
| Return on Equity (ROE) | 11.1252% | 1,901 |
| Retained earnings to average equity (ytd only) | 11.1252% | 776 |
| Net charge-offs to loans | -0.0015% | 3,833 |
| Credit loss provision to net charge-offs | -9,612.5000% | 4,242 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1647% | 4,813 |
| Assets per employee ($millions) | 10.6819% | 280 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9062% | 4,126 |
| Loan loss allowance to noncurrent loans | 984.7398% | 609 |
| Noncurrent assets plus other real estate owned to assets | 0.0788% | 4,410 |
| Noncurrent loans to loans | 0.0920% | 4,337 |
| Net loans and leases to total assets | 84.8913% | 291 |
| Net loans and leases to deposits | 102.6380% | 466 |
| Net loans and leases to core deposits | 121.9176% | 485 |
| Total domestic deposits to total assets | 82.7094% | 3,501 |
| Equity capital to assets | 10.9580% | 2,898 |
| Core capital (leverage) ratio | 10.1043% | 3,488 |
| Tier 1 risk-based capital ratio | 11.2958% | 4,845 |
| Total risk-based capital ratio | 13.6013% | 4,134 |
| Memoranda: | ||
| Average total assets | $2,482,731,000 | 366 |
| Average earning assets | $2,388,479,500 | 351 |
| Average equity | $269,982,500 | 376 |
| Average total loans | $2,117,639,500 | 319 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9333% | 1,195 |
| Cost of funding earning assets | 1.1128% | 471 |
| Net interest margin | 3.8205% | 2,590 |
| Noninterest income to average assets | 0.0990% | 5,151 |
| Noninterest expense to average assets | 1.9420% | 4,832 |
| Loan and lease loss provision to assets | 0.1807% | 1,086 |
| Net operating income to assets | 1.2208% | 2,084 |
| Return on assets (ROA) | 1.2208% | 2,078 |
| Pretax return on assets | 1.6373% | 1,352 |
| Return on Equity (ROE) | 12.4673% | 1,557 |
| Retained earnings to average equity (ytd only) | 12.4673% | 279 |
| Net charge-offs to loans | 0.0105% | 3,322 |
| Credit loss provision to net charge-offs | 2,004.4118% | 219 |
| Earnings coverage of net charge-offs (x) | 201.6716% | 454 |
| Efficiency ratio | 51.6483% | 4,822 |
| Assets per employee ($millions) | 10.8638% | 275 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8975% | 4,172 |
| Loan loss allowance to noncurrent loans | 924.0494% | 661 |
| Noncurrent assets plus other real estate owned to assets | 0.0825% | 4,405 |
| Noncurrent loans to loans | 0.0971% | 4,304 |
| Net loans and leases to total assets | 84.1514% | 402 |
| Net loans and leases to deposits | 98.9051% | 826 |
| Net loans and leases to core deposits | 117.5037% | 634 |
| Total domestic deposits to total assets | 85.0830% | 2,611 |
| Equity capital to assets | 10.7889% | 2,891 |
| Core capital (leverage) ratio | 10.0296% | 3,541 |
| Tier 1 risk-based capital ratio | 11.4001% | 4,771 |
| Total risk-based capital ratio | 13.7702% | 3,995 |
| Memoranda: | ||
| Average total assets | $2,262,942,600 | 380 |
| Average earning assets | $2,168,447,200 | 364 |
| Average equity | $221,596,000 | 418 |
| Average total loans | $1,948,374,600 | 333 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8745% | 1,225 |
| Cost of funding earning assets | 1.0552% | 473 |
| Net interest margin | 3.8193% | 2,574 |
| Noninterest income to average assets | 0.0975% | 5,217 |
| Noninterest expense to average assets | 1.9515% | 4,821 |
| Loan and lease loss provision to assets | 0.1656% | 1,139 |
| Net operating income to assets | 1.2289% | 2,126 |
| Return on assets (ROA) | 1.2289% | 2,128 |
| Pretax return on assets | 1.6335% | 1,473 |
| Return on Equity (ROE) | 12.9141% | 1,468 |
| Retained earnings to average equity (ytd only) | 12.9141% | 372 |
| Net charge-offs to loans | 0.0040% | 3,320 |
| Credit loss provision to net charge-offs | 4,826.3158% | 83 |
| Earnings coverage of net charge-offs (x) | 524.3026% | 172 |
| Efficiency ratio | 52.0327% | 4,808 |
| Assets per employee ($millions) | 10.1210% | 316 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8771% | 4,352 |
| Loan loss allowance to noncurrent loans | 968.5462% | 616 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 4,581 |
| Noncurrent loans to loans | 0.0906% | 4,480 |
| Net loans and leases to total assets | 85.4291% | 322 |
| Net loans and leases to deposits | 101.5179% | 675 |
| Net loans and leases to core deposits | 118.0996% | 641 |
| Total domestic deposits to total assets | 84.1517% | 2,889 |
| Equity capital to assets | 11.0413% | 2,623 |
| Core capital (leverage) ratio | 10.1134% | 3,504 |
| Tier 1 risk-based capital ratio | 11.4501% | 4,822 |
| Total risk-based capital ratio | 13.8543% | 4,040 |
| Memoranda: | ||
| Average total assets | $2,214,875,500 | 383 |
| Average earning assets | $2,118,538,750 | 367 |
| Average equity | $210,772,250 | 433 |
| Average total loans | $1,914,266,750 | 335 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8074% | 1,227 |
| Cost of funding earning assets | 0.9805% | 514 |
| Net interest margin | 3.8269% | 2,472 |
| Noninterest income to average assets | 0.1088% | 5,239 |
| Noninterest expense to average assets | 1.9479% | 4,887 |
| Loan and lease loss provision to assets | 0.1932% | 893 |
| Net operating income to assets | 1.2298% | 2,061 |
| Return on assets (ROA) | 1.2298% | 2,057 |
| Pretax return on assets | 1.6219% | 1,433 |
| Return on Equity (ROE) | 13.7017% | 1,155 |
| Retained earnings to average equity (ytd only) | 13.7017% | 305 |
| Net charge-offs to loans | 0.0060% | 2,929 |
| Credit loss provision to net charge-offs | 3,694.7368% | 113 |
| Earnings coverage of net charge-offs (x) | 347.1930% | 261 |
| Efficiency ratio | 51.7646% | 4,914 |
| Assets per employee ($millions) | 10.1824% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8604% | 4,513 |
| Loan loss allowance to noncurrent loans | 931.3466% | 637 |
| Noncurrent assets plus other real estate owned to assets | 0.0805% | 4,608 |
| Noncurrent loans to loans | 0.0924% | 4,500 |
| Net loans and leases to total assets | 86.4085% | 234 |
| Net loans and leases to deposits | 101.8849% | 671 |
| Net loans and leases to core deposits | 119.0282% | 587 |
| Total domestic deposits to total assets | 84.8099% | 2,748 |
| Equity capital to assets | 9.0552% | 4,518 |
| Core capital (leverage) ratio | 8.1958% | 5,263 |
| Tier 1 risk-based capital ratio | 8.9332% | 5,516 |
| Total risk-based capital ratio | 11.3356% | 5,341 |
| Memoranda: | ||
| Average total assets | $2,180,600,670 | 389 |
| Average earning assets | $2,082,221,670 | 377 |
| Average equity | $195,728,000 | 457 |
| Average total loans | $1,886,518,670 | 337 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7591% | 1,166 |
| Cost of funding earning assets | 0.9493% | 470 |
| Net interest margin | 3.8097% | 2,386 |
| Noninterest income to average assets | 0.1087% | 5,295 |
| Noninterest expense to average assets | 1.9292% | 4,975 |
| Loan and lease loss provision to assets | 0.1777% | 977 |
| Net operating income to assets | 1.2227% | 1,913 |
| Return on assets (ROA) | 1.2227% | 1,923 |
| Pretax return on assets | 1.6255% | 1,314 |
| Return on Equity (ROE) | 13.6855% | 1,089 |
| Retained earnings to average equity (ytd only) | 13.6855% | 436 |
| Net charge-offs to loans | -0.0002% | 3,737 |
| Credit loss provision to net charge-offs | -95,300.0000% | 4,558 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.6881% | 4,982 |
| Assets per employee ($millions) | 10.1983% | 306 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8378% | 4,679 |
| Loan loss allowance to noncurrent loans | 839.4149% | 688 |
| Noncurrent assets plus other real estate owned to assets | 0.0857% | 4,662 |
| Noncurrent loans to loans | 0.0998% | 4,525 |
| Net loans and leases to total assets | 85.1823% | 325 |
| Net loans and leases to deposits | 98.9203% | 789 |
| Net loans and leases to core deposits | 135.1473% | 271 |
| Total domestic deposits to total assets | 86.1121% | 2,498 |
| Equity capital to assets | 8.8996% | 4,663 |
| Core capital (leverage) ratio | 7.8907% | 5,419 |
| Tier 1 risk-based capital ratio | 8.8152% | 5,581 |
| Total risk-based capital ratio | 11.2528% | 5,443 |
| Memoranda: | ||
| Average total assets | $2,145,741,500 | 396 |
| Average earning assets | $2,040,977,500 | 380 |
| Average equity | $191,706,000 | 465 |
| Average total loans | $1,849,106,500 | 345 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6845% | 1,237 |
| Cost of funding earning assets | 0.8762% | 425 |
| Net interest margin | 3.8083% | 2,391 |
| Noninterest income to average assets | 0.1056% | 5,392 |
| Noninterest expense to average assets | 2.0371% | 4,898 |
| Loan and lease loss provision to assets | 0.1570% | 1,429 |
| Net operating income to assets | 0.8089% | 3,119 |
| Return on assets (ROA) | 0.8089% | 3,165 |
| Pretax return on assets | 1.4839% | 1,704 |
| Return on Equity (ROE) | 9.0868% | 2,276 |
| Retained earnings to average equity (ytd only) | 9.0868% | 493 |
| Net charge-offs to loans | 0.0324% | 3,141 |
| Credit loss provision to net charge-offs | 574.3636% | 559 |
| Earnings coverage of net charge-offs (x) | 60.0145% | 957 |
| Efficiency ratio | 55.3849% | 4,824 |
| Assets per employee ($millions) | 10.2383% | 297 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8171% | 4,777 |
| Loan loss allowance to noncurrent loans | 672.1215% | 871 |
| Noncurrent assets plus other real estate owned to assets | 0.1051% | 4,608 |
| Noncurrent loans to loans | 0.1216% | 4,436 |
| Net loans and leases to total assets | 85.7550% | 275 |
| Net loans and leases to deposits | 100.2659% | 705 |
| Net loans and leases to core deposits | 130.9085% | 318 |
| Total domestic deposits to total assets | 85.5276% | 2,646 |
| Equity capital to assets | 8.9705% | 4,752 |
| Core capital (leverage) ratio | 7.7499% | 5,509 |
| Tier 1 risk-based capital ratio | 8.7264% | 5,642 |
| Total risk-based capital ratio | 11.2056% | 5,491 |
| Memoranda: | ||
| Average total assets | $2,011,482,600 | 408 |
| Average earning assets | $1,886,896,400 | 399 |
| Average equity | $179,062,600 | 472 |
| Average total loans | $1,700,069,000 | 349 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6441% | 1,260 |
| Cost of funding earning assets | 0.8576% | 436 |
| Net interest margin | 3.7865% | 2,450 |
| Noninterest income to average assets | 0.1076% | 5,449 |
| Noninterest expense to average assets | 2.0561% | 4,836 |
| Loan and lease loss provision to assets | 0.1681% | 1,203 |
| Net operating income to assets | 0.9053% | 3,005 |
| Return on assets (ROA) | 0.9053% | 3,061 |
| Pretax return on assets | 1.4307% | 2,012 |
| Return on Equity (ROE) | 10.1899% | 2,041 |
| Retained earnings to average equity (ytd only) | 10.1899% | 542 |
| Net charge-offs to loans | 0.0227% | 3,011 |
| Credit loss provision to net charge-offs | 883.0986% | 402 |
| Earnings coverage of net charge-offs (x) | 84.0064% | 785 |
| Efficiency ratio | 56.2568% | 4,708 |
| Assets per employee ($millions) | 10.0531% | 309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8236% | 4,830 |
| Loan loss allowance to noncurrent loans | 572.8679% | 925 |
| Noncurrent assets plus other real estate owned to assets | 0.1217% | 4,638 |
| Noncurrent loans to loans | 0.1438% | 4,476 |
| Net loans and leases to total assets | 83.9792% | 434 |
| Net loans and leases to deposits | 98.8874% | 835 |
| Net loans and leases to core deposits | 127.7190% | 377 |
| Total domestic deposits to total assets | 84.9241% | 2,743 |
| Equity capital to assets | 8.9576% | 4,946 |
| Core capital (leverage) ratio | 7.7758% | 5,577 |
| Tier 1 risk-based capital ratio | 8.8563% | 5,704 |
| Total risk-based capital ratio | 11.3963% | 5,521 |
| Memoranda: | ||
| Average total assets | $1,989,642,000 | 415 |
| Average earning assets | $1,864,002,500 | 403 |
| Average equity | $176,759,000 | 480 |
| Average total loans | $1,671,413,250 | 357 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5679% | 1,335 |
| Cost of funding earning assets | 0.8322% | 440 |
| Net interest margin | 3.7357% | 2,529 |
| Noninterest income to average assets | 0.1130% | 5,473 |
| Noninterest expense to average assets | 2.0843% | 4,800 |
| Loan and lease loss provision to assets | 0.1758% | 1,092 |
| Net operating income to assets | 0.8547% | 3,135 |
| Return on assets (ROA) | 0.8547% | 3,186 |
| Pretax return on assets | 1.3520% | 2,203 |
| Return on Equity (ROE) | 9.6489% | 2,193 |
| Retained earnings to average equity (ytd only) | 9.6489% | 661 |
| Net charge-offs to loans | 0.0235% | 2,756 |
| Credit loss provision to net charge-offs | 893.7824% | 418 |
| Earnings coverage of net charge-offs (x) | 77.6788% | 787 |
| Efficiency ratio | 57.7035% | 4,638 |
| Assets per employee ($millions) | 10.0193% | 299 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8100% | 4,923 |
| Loan loss allowance to noncurrent loans | 371.1201% | 1,323 |
| Noncurrent assets plus other real estate owned to assets | 0.1813% | 4,447 |
| Noncurrent loans to loans | 0.2183% | 4,251 |
| Net loans and leases to total assets | 82.3760% | 621 |
| Net loans and leases to deposits | 97.4800% | 943 |
| Net loans and leases to core deposits | 125.9946% | 397 |
| Total domestic deposits to total assets | 84.5055% | 3,009 |
| Equity capital to assets | 8.7775% | 5,082 |
| Core capital (leverage) ratio | 7.7720% | 5,596 |
| Tier 1 risk-based capital ratio | 8.8116% | 5,751 |
| Total risk-based capital ratio | 11.4014% | 5,532 |
| Memoranda: | ||
| Average total assets | $1,962,543,000 | 417 |
| Average earning assets | $1,838,243,000 | 407 |
| Average equity | $173,843,000 | 485 |
| Average total loans | $1,644,017,330 | 367 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5456% | 1,268 |
| Cost of funding earning assets | 0.8291% | 416 |
| Net interest margin | 3.7166% | 2,433 |
| Noninterest income to average assets | 0.1143% | 5,536 |
| Noninterest expense to average assets | 2.2081% | 4,619 |
| Loan and lease loss provision to assets | 0.1786% | 977 |
| Net operating income to assets | 0.7330% | 3,543 |
| Return on assets (ROA) | 0.7330% | 3,598 |
| Pretax return on assets | 1.2078% | 2,562 |
| Return on Equity (ROE) | 8.2357% | 2,792 |
| Retained earnings to average equity (ytd only) | 8.2357% | 1,360 |
| Net charge-offs to loans | 0.0104% | 2,619 |
| Credit loss provision to net charge-offs | 2,042.8571% | 164 |
| Earnings coverage of net charge-offs (x) | 158.5952% | 339 |
| Efficiency ratio | 61.4302% | 4,239 |
| Assets per employee ($millions) | 9.4631% | 367 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7918% | 5,091 |
| Loan loss allowance to noncurrent loans | 776.2954% | 727 |
| Noncurrent assets plus other real estate owned to assets | 0.0861% | 4,932 |
| Noncurrent loans to loans | 0.1020% | 4,785 |
| Net loans and leases to total assets | 83.7759% | 390 |
| Net loans and leases to deposits | 98.1864% | 758 |
| Net loans and leases to core deposits | 127.1437% | 303 |
| Total domestic deposits to total assets | 85.3233% | 2,954 |
| Equity capital to assets | 8.8931% | 4,913 |
| Core capital (leverage) ratio | 7.7046% | 5,660 |
| Tier 1 risk-based capital ratio | 8.8072% | 5,816 |
| Total risk-based capital ratio | 11.4454% | 5,599 |
| Memoranda: | ||
| Average total assets | $1,921,844,000 | 428 |
| Average earning assets | $1,799,621,500 | 421 |
| Average equity | $171,061,000 | 489 |
| Average total loans | $1,617,293,000 | 371 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6119% | 1,252 |
| Cost of funding earning assets | 0.7806% | 552 |
| Net interest margin | 3.8313% | 2,207 |
| Noninterest income to average assets | 0.1050% | 5,630 |
| Noninterest expense to average assets | 2.3424% | 4,442 |
| Loan and lease loss provision to assets | 0.2729% | 738 |
| Net operating income to assets | 0.6780% | 3,880 |
| Return on assets (ROA) | 0.6780% | 3,996 |
| Pretax return on assets | 1.1524% | 2,888 |
| Return on Equity (ROE) | 8.1565% | 2,855 |
| Retained earnings to average equity (ytd only) | 8.1565% | 799 |
| Net charge-offs to loans | 0.0103% | 3,921 |
| Credit loss provision to net charge-offs | 3,099.1228% | 137 |
| Earnings coverage of net charge-offs (x) | 161.8596% | 402 |
| Efficiency ratio | 62.1715% | 4,220 |
| Assets per employee ($millions) | 9.5671% | 354 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7692% | 5,185 |
| Loan loss allowance to noncurrent loans | 339.5775% | 1,474 |
| Noncurrent assets plus other real estate owned to assets | 0.1899% | 4,563 |
| Noncurrent loans to loans | 0.2265% | 4,342 |
| Net loans and leases to total assets | 83.2084% | 462 |
| Net loans and leases to deposits | 98.3478% | 796 |
| Net loans and leases to core deposits | 129.6215% | 291 |
| Total domestic deposits to total assets | 84.6062% | 3,207 |
| Equity capital to assets | 8.9088% | 4,900 |
| Core capital (leverage) ratio | 7.7817% | 5,690 |
| Tier 1 risk-based capital ratio | 9.1047% | 5,851 |
| Total risk-based capital ratio | 11.7871% | 5,489 |
| Memoranda: | ||
| Average total assets | $1,294,635,000 | 571 |
| Average earning assets | $1,237,670,000 | 546 |
| Average equity | $107,607,800 | 742 |
| Average total loans | $1,109,190,200 | 463 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4616% | 1,658 |
| Cost of funding earning assets | 0.7309% | 696 |
| Net interest margin | 3.7307% | 2,589 |
| Noninterest income to average assets | 0.0920% | 5,738 |
| Noninterest expense to average assets | 2.1734% | 4,835 |
| Loan and lease loss provision to assets | 0.2923% | 587 |
| Net operating income to assets | 0.7185% | 3,748 |
| Return on assets (ROA) | 0.7185% | 3,891 |
| Pretax return on assets | 1.2217% | 2,745 |
| Return on Equity (ROE) | 8.9094% | 2,551 |
| Retained earnings to average equity (ytd only) | 8.9094% | 847 |
| Net charge-offs to loans | 0.0181% | 3,356 |
| Credit loss provision to net charge-offs | 1,873.1343% | 251 |
| Earnings coverage of net charge-offs (x) | 97.0087% | 677 |
| Efficiency ratio | 58.9406% | 4,693 |
| Assets per employee ($millions) | 10.0554% | 293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9853% | 4,490 |
| Loan loss allowance to noncurrent loans | 759.6873% | 755 |
| Noncurrent assets plus other real estate owned to assets | 0.1108% | 4,979 |
| Noncurrent loans to loans | 0.1297% | 4,821 |
| Net loans and leases to total assets | 84.6037% | 356 |
| Net loans and leases to deposits | 101.0209% | 638 |
| Net loans and leases to core deposits | 139.9048% | 193 |
| Total domestic deposits to total assets | 83.7488% | 3,299 |
| Equity capital to assets | 7.6395% | 5,822 |
| Core capital (leverage) ratio | 7.7748% | 5,770 |
| Tier 1 risk-based capital ratio | 8.7083% | 5,931 |
| Total risk-based capital ratio | 12.4814% | 5,144 |
| Memoranda: | ||
| Average total assets | $1,144,722,000 | 630 |
| Average earning assets | $1,103,213,500 | 604 |
| Average equity | $92,320,000 | 872 |
| Average total loans | $989,381,750 | 515 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4083% | 1,805 |
| Cost of funding earning assets | 0.7025% | 793 |
| Net interest margin | 3.7058% | 2,676 |
| Noninterest income to average assets | 0.0880% | 5,818 |
| Noninterest expense to average assets | 2.2479% | 4,734 |
| Loan and lease loss provision to assets | 0.2703% | 690 |
| Net operating income to assets | 0.6569% | 4,013 |
| Return on assets (ROA) | 0.6569% | 4,158 |
| Pretax return on assets | 1.1411% | 3,036 |
| Return on Equity (ROE) | 7.9737% | 2,989 |
| Retained earnings to average equity (ytd only) | 7.9737% | 1,175 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.4291% | 4,443 |
| Assets per employee ($millions) | 9.4672% | 332 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9633% | 4,708 |
| Loan loss allowance to noncurrent loans | 628.9216% | 876 |
| Noncurrent assets plus other real estate owned to assets | 0.1326% | 4,978 |
| Noncurrent loans to loans | 0.1532% | 4,828 |
| Net loans and leases to total assets | 85.7417% | 266 |
| Net loans and leases to deposits | 101.5817% | 593 |
| Net loans and leases to core deposits | 138.0175% | 206 |
| Total domestic deposits to total assets | 84.4066% | 3,118 |
| Equity capital to assets | 8.0170% | 5,804 |
| Core capital (leverage) ratio | 7.9792% | 5,738 |
| Tier 1 risk-based capital ratio | 9.3598% | 5,973 |
| Total risk-based capital ratio | 10.3769% | 5,987 |
| Memoranda: | ||
| Average total assets | $1,083,859,670 | 661 |
| Average earning assets | $1,044,525,000 | 628 |
| Average equity | $89,293,330 | 902 |
| Average total loans | $941,133,000 | 535 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0931% | 2,868 |
| Cost of funding earning assets | 0.6573% | 1,017 |
| Net interest margin | 3.4358% | 3,736 |
| Noninterest income to average assets | 0.0847% | 5,872 |
| Noninterest expense to average assets | 2.1880% | 4,928 |
| Loan and lease loss provision to assets | 0.2474% | 716 |
| Net operating income to assets | 0.5641% | 4,348 |
| Return on assets (ROA) | 0.5641% | 4,452 |
| Pretax return on assets | 0.9663% | 3,589 |
| Return on Equity (ROE) | 6.7371% | 3,598 |
| Retained earnings to average equity (ytd only) | 6.7371% | 2,014 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 64.3198% | 4,070 |
| Assets per employee ($millions) | 9.0965% | 374 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9446% | 4,877 |
| Loan loss allowance to noncurrent loans | 453.5130% | 1,129 |
| Noncurrent assets plus other real estate owned to assets | 0.1771% | 4,861 |
| Noncurrent loans to loans | 0.2083% | 4,677 |
| Net loans and leases to total assets | 84.2141% | 348 |
| Net loans and leases to deposits | 99.6191% | 652 |
| Net loans and leases to core deposits | 136.5763% | 203 |
| Total domestic deposits to total assets | 84.5360% | 3,301 |
| Equity capital to assets | 8.1496% | 5,768 |
| Core capital (leverage) ratio | 10.0601% | 3,461 |
| Tier 1 risk-based capital ratio | 9.6488% | 5,980 |
| Total risk-based capital ratio | 10.6371% | 6,003 |
| Memoranda: | ||
| Average total assets | $1,010,422,000 | 711 |
| Average earning assets | $975,495,000 | 679 |
| Average equity | $84,606,000 | 938 |
| Average total loans | $878,941,000 | 571 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6366% | 1,243 |
| Cost of funding earning assets | 0.6885% | 874 |
| Net interest margin | 3.9481% | 1,880 |
| Noninterest income to average assets | 0.1264% | 5,781 |
| Noninterest expense to average assets | 2.3179% | 4,729 |
| Loan and lease loss provision to assets | 0.2668% | 696 |
| Net operating income to assets | 0.8269% | 3,211 |
| Return on assets (ROA) | 0.8269% | 3,288 |
| Pretax return on assets | 1.3701% | 2,023 |
| Return on Equity (ROE) | 9.4095% | 2,267 |
| Retained earnings to average equity (ytd only) | 9.4095% | 554 |
| Net charge-offs to loans | 0.0570% | 3,080 |
| Credit loss provision to net charge-offs | 525.1969% | 624 |
| Earnings coverage of net charge-offs (x) | 32.2257% | 1,381 |
| Efficiency ratio | 58.6098% | 5,078 |
| Assets per employee ($millions) | 8.6469% | 444 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1574% | 3,718 |
| Loan loss allowance to noncurrent loans | 539.8160% | 997 |
| Noncurrent assets plus other real estate owned to assets | 0.1924% | 4,827 |
| Noncurrent loans to loans | 0.2144% | 4,648 |
| Net loans and leases to total assets | 88.6776% | 102 |
| Net loans and leases to deposits | 106.9998% | 328 |
| Net loans and leases to core deposits | 151.8361% | 103 |
| Total domestic deposits to total assets | 82.8764% | 3,876 |
| Equity capital to assets | 8.6832% | 5,400 |
| Core capital (leverage) ratio | 8.9632% | 4,923 |
| Tier 1 risk-based capital ratio | 10.4353% | 5,803 |
| Total risk-based capital ratio | 11.6845% | 5,727 |
| Memoranda: | ||
| Average total assets | $750,072,000 | 918 |
| Average earning assets | $727,345,200 | 875 |
| Average equity | $65,912,000 | 1,148 |
| Average total loans | $668,066,400 | 703 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6344% | 1,245 |
| Cost of funding earning assets | 0.6888% | 890 |
| Net interest margin | 3.9457% | 1,884 |
| Noninterest income to average assets | 0.1225% | 5,859 |
| Noninterest expense to average assets | 2.3297% | 4,706 |
| Loan and lease loss provision to assets | 0.2434% | 719 |
| Net operating income to assets | 0.8372% | 3,234 |
| Return on assets (ROA) | 0.8372% | 3,318 |
| Pretax return on assets | 1.3782% | 2,107 |
| Return on Equity (ROE) | 9.4943% | 2,316 |
| Retained earnings to average equity (ytd only) | 9.4943% | 740 |
| Net charge-offs to loans | 0.0422% | 3,039 |
| Credit loss provision to net charge-offs | 649.5098% | 526 |
| Earnings coverage of net charge-offs (x) | 43.2701% | 1,161 |
| Efficiency ratio | 58.9595% | 5,010 |
| Assets per employee ($millions) | 8.1106% | 512 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1715% | 3,808 |
| Loan loss allowance to noncurrent loans | 481.4385% | 1,057 |
| Noncurrent assets plus other real estate owned to assets | 0.2169% | 4,896 |
| Noncurrent loans to loans | 0.2433% | 4,703 |
| Net loans and leases to total assets | 88.0945% | 133 |
| Net loans and leases to deposits | 104.7229% | 417 |
| Net loans and leases to core deposits | 147.2821% | 121 |
| Total domestic deposits to total assets | 84.1215% | 3,374 |
| Equity capital to assets | 9.0491% | 5,266 |
| Core capital (leverage) ratio | 9.3790% | 4,470 |
| Tier 1 risk-based capital ratio | 10.9892% | 5,666 |
| Total risk-based capital ratio | 12.2396% | 5,565 |
| Memoranda: | ||
| Average total assets | $725,741,500 | 960 |
| Average earning assets | $704,250,500 | 907 |
| Average equity | $63,994,750 | 1,189 |
| Average total loans | $645,021,000 | 732 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6553% | 1,157 |
| Cost of funding earning assets | 0.6936% | 871 |
| Net interest margin | 3.9617% | 1,774 |
| Noninterest income to average assets | 0.1116% | 5,985 |
| Noninterest expense to average assets | 2.3859% | 4,595 |
| Loan and lease loss provision to assets | 0.1992% | 986 |
| Net operating income to assets | 0.8373% | 3,182 |
| Return on assets (ROA) | 0.8373% | 3,297 |
| Pretax return on assets | 1.3778% | 2,074 |
| Return on Equity (ROE) | 9.5907% | 2,259 |
| Retained earnings to average equity (ytd only) | 9.5907% | 759 |
| Net charge-offs to loans | 0.0003% | 3,889 |
| Credit loss provision to net charge-offs | 70,000.0000% | 3 |
| Earnings coverage of net charge-offs (x) | 5,541.0000% | 6 |
| Efficiency ratio | 60.2054% | 4,945 |
| Assets per employee ($millions) | 7.6398% | 627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1987% | 3,797 |
| Loan loss allowance to noncurrent loans | 398.8861% | 1,262 |
| Noncurrent assets plus other real estate owned to assets | 0.2638% | 4,812 |
| Noncurrent loans to loans | 0.3005% | 4,612 |
| Net loans and leases to total assets | 86.7315% | 198 |
| Net loans and leases to deposits | 102.7243% | 518 |
| Net loans and leases to core deposits | 145.2836% | 135 |
| Total domestic deposits to total assets | 84.4314% | 3,381 |
| Equity capital to assets | 9.3263% | 4,866 |
| Core capital (leverage) ratio | 9.6983% | 4,003 |
| Tier 1 risk-based capital ratio | 11.5188% | 5,450 |
| Total risk-based capital ratio | 12.7694% | 5,372 |
| Memoranda: | ||
| Average total assets | $702,707,670 | 993 |
| Average earning assets | $683,134,670 | 941 |
| Average equity | $61,351,000 | 1,240 |
| Average total loans | $623,857,000 | 756 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7150% | 1,008 |
| Cost of funding earning assets | 0.7046% | 838 |
| Net interest margin | 4.0105% | 1,519 |
| Noninterest income to average assets | 0.1018% | 6,074 |
| Noninterest expense to average assets | 2.4399% | 4,476 |
| Loan and lease loss provision to assets | 0.2060% | 877 |
| Net operating income to assets | 0.8356% | 3,079 |
| Return on assets (ROA) | 0.8356% | 3,205 |
| Pretax return on assets | 1.3718% | 1,993 |
| Return on Equity (ROE) | 9.9451% | 2,029 |
| Retained earnings to average equity (ytd only) | 9.9451% | 942 |
| Net charge-offs to loans | 0.0007% | 3,280 |
| Credit loss provision to net charge-offs | 35,000.0000% | 5 |
| Earnings coverage of net charge-offs (x) | 2,681.0000% | 11 |
| Efficiency ratio | 60.7295% | 4,998 |
| Assets per employee ($millions) | 7.7931% | 594 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2098% | 3,919 |
| Loan loss allowance to noncurrent loans | 375.6487% | 1,286 |
| Noncurrent assets plus other real estate owned to assets | 0.2795% | 4,833 |
| Noncurrent loans to loans | 0.3221% | 4,636 |
| Net loans and leases to total assets | 85.7383% | 209 |
| Net loans and leases to deposits | 100.0707% | 560 |
| Net loans and leases to core deposits | 145.1947% | 119 |
| Total domestic deposits to total assets | 85.6778% | 3,105 |
| Equity capital to assets | 8.8035% | 5,497 |
| Core capital (leverage) ratio | 9.1915% | 4,729 |
| Tier 1 risk-based capital ratio | 11.0316% | 5,792 |
| Total risk-based capital ratio | 12.2824% | 5,721 |
| Memoranda: | ||
| Average total assets | $679,712,000 | 1,027 |
| Average earning assets | $663,663,500 | 972 |
| Average equity | $57,113,500 | 1,337 |
| Average total loans | $607,167,500 | 772 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7305% | 1,237 |
| Cost of funding earning assets | 0.7081% | 1,058 |
| Net interest margin | 4.0224% | 1,832 |
| Noninterest income to average assets | 0.1285% | 6,049 |
| Noninterest expense to average assets | 2.4395% | 4,729 |
| Loan and lease loss provision to assets | 0.2647% | 836 |
| Net operating income to assets | 0.8043% | 3,350 |
| Return on assets (ROA) | 0.8063% | 3,435 |
| Pretax return on assets | 1.3323% | 2,136 |
| Return on Equity (ROE) | 9.3422% | 2,417 |
| Retained earnings to average equity (ytd only) | 9.3422% | 631 |
| Net charge-offs to loans | 0.0189% | 4,472 |
| Credit loss provision to net charge-offs | 1,556.8421% | 187 |
| Earnings coverage of net charge-offs (x) | 93.7474% | 557 |
| Efficiency ratio | 60.4810% | 5,150 |
| Assets per employee ($millions) | 7.3007% | 721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2125% | 3,921 |
| Loan loss allowance to noncurrent loans | 815.7955% | 716 |
| Noncurrent assets plus other real estate owned to assets | 0.1370% | 5,489 |
| Noncurrent loans to loans | 0.1486% | 5,297 |
| Net loans and leases to total assets | 91.0431% | 46 |
| Net loans and leases to deposits | 105.5064% | 379 |
| Net loans and leases to core deposits | 158.6125% | 86 |
| Total domestic deposits to total assets | 86.2915% | 2,678 |
| Equity capital to assets | 7.9552% | 6,086 |
| Core capital (leverage) ratio | 8.1529% | 5,887 |
| Tier 1 risk-based capital ratio | 8.8430% | 6,417 |
| Total risk-based capital ratio | 10.0906% | 6,414 |
| Memoranda: | ||
| Average total assets | $558,727,600 | 1,189 |
| Average earning assets | $542,411,200 | 1,116 |
| Average equity | $48,221,800 | 1,495 |
| Average total loans | $502,453,600 | 889 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7126% | 1,279 |
| Cost of funding earning assets | 0.7166% | 1,068 |
| Net interest margin | 3.9960% | 1,891 |
| Noninterest income to average assets | 0.1341% | 6,103 |
| Noninterest expense to average assets | 2.4594% | 4,644 |
| Loan and lease loss provision to assets | 0.2459% | 884 |
| Net operating income to assets | 0.7808% | 3,507 |
| Return on assets (ROA) | 0.7805% | 3,617 |
| Pretax return on assets | 1.2991% | 2,377 |
| Return on Equity (ROE) | 8.8363% | 2,766 |
| Retained earnings to average equity (ytd only) | 8.8363% | 1,049 |
| Net charge-offs to loans | 0.0131% | 4,289 |
| Credit loss provision to net charge-offs | 2,110.6383% | 168 |
| Earnings coverage of net charge-offs (x) | 132.6279% | 450 |
| Efficiency ratio | 61.4089% | 4,980 |
| Assets per employee ($millions) | 7.1924% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2672% | 3,833 |
| Loan loss allowance to noncurrent loans | 703.6534% | 752 |
| Noncurrent assets plus other real estate owned to assets | 0.1605% | 5,541 |
| Noncurrent loans to loans | 0.1801% | 5,369 |
| Net loans and leases to total assets | 87.9797% | 114 |
| Net loans and leases to deposits | 100.5801% | 583 |
| Net loans and leases to core deposits | 137.6939% | 165 |
| Total domestic deposits to total assets | 87.4723% | 2,046 |
| Equity capital to assets | 8.2729% | 5,966 |
| Core capital (leverage) ratio | 8.5649% | 5,586 |
| Tier 1 risk-based capital ratio | 9.4660% | 6,443 |
| Total risk-based capital ratio | 10.7167% | 6,417 |
| Memoranda: | ||
| Average total assets | $537,794,000 | 1,250 |
| Average earning assets | $520,945,750 | 1,177 |
| Average equity | $47,500,000 | 1,522 |
| Average total loans | $480,043,000 | 932 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6821% | 1,322 |
| Cost of funding earning assets | 0.7279% | 1,030 |
| Net interest margin | 3.9542% | 1,948 |
| Noninterest income to average assets | 0.1413% | 6,115 |
| Noninterest expense to average assets | 2.4591% | 4,702 |
| Loan and lease loss provision to assets | 0.2170% | 1,081 |
| Net operating income to assets | 0.7613% | 3,506 |
| Return on assets (ROA) | 0.7613% | 3,613 |
| Pretax return on assets | 1.2906% | 2,287 |
| Return on Equity (ROE) | 8.4146% | 2,888 |
| Retained earnings to average equity (ytd only) | 8.4146% | 1,169 |
| Net charge-offs to loans | 0.0207% | 3,799 |
| Credit loss provision to net charge-offs | 1,170.8333% | 298 |
| Earnings coverage of net charge-offs (x) | 81.3542% | 652 |
| Efficiency ratio | 61.9951% | 5,004 |
| Assets per employee ($millions) | 7.0704% | 775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2863% | 3,930 |
| Loan loss allowance to noncurrent loans | 12,372.5490% | 61 |
| Noncurrent assets plus other real estate owned to assets | 0.0091% | 6,223 |
| Noncurrent loans to loans | 0.0104% | 6,057 |
| Net loans and leases to total assets | 86.6956% | 143 |
| Net loans and leases to deposits | 98.5079% | 631 |
| Net loans and leases to core deposits | 132.2933% | 209 |
| Total domestic deposits to total assets | 88.0088% | 1,894 |
| Equity capital to assets | 8.6174% | 5,698 |
| Core capital (leverage) ratio | 9.0240% | 4,984 |
| Tier 1 risk-based capital ratio | 9.7938% | 6,451 |
| Total risk-based capital ratio | 11.0444% | 6,425 |
| Memoranda: | ||
| Average total assets | $518,068,000 | 1,297 |
| Average earning assets | $501,189,670 | 1,234 |
| Average equity | $46,871,000 | 1,530 |
| Average total loans | $462,739,000 | 957 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7337% | 1,186 |
| Cost of funding earning assets | 0.7388% | 1,026 |
| Net interest margin | 3.9949% | 1,782 |
| Noninterest income to average assets | 0.1470% | 6,089 |
| Noninterest expense to average assets | 2.4756% | 4,699 |
| Loan and lease loss provision to assets | 0.1944% | 1,207 |
| Net operating income to assets | 0.7906% | 3,195 |
| Return on assets (ROA) | 0.7906% | 3,270 |
| Pretax return on assets | 1.3523% | 1,907 |
| Return on Equity (ROE) | 8.5121% | 2,680 |
| Retained earnings to average equity (ytd only) | 8.5121% | 1,413 |
| Net charge-offs to loans | -0.0027% | 4,729 |
| Credit loss provision to net charge-offs | -8,066.6667% | 5,638 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.5461% | 5,194 |
| Assets per employee ($millions) | 6.7423% | 907 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3277% | 3,970 |
| Loan loss allowance to noncurrent loans | 5,865.0485% | 114 |
| Noncurrent assets plus other real estate owned to assets | 0.0201% | 6,247 |
| Noncurrent loans to loans | 0.0226% | 6,096 |
| Net loans and leases to total assets | 87.6168% | 93 |
| Net loans and leases to deposits | 100.0263% | 436 |
| Net loans and leases to core deposits | 132.7511% | 169 |
| Total domestic deposits to total assets | 87.5938% | 2,465 |
| Equity capital to assets | 9.1409% | 4,952 |
| Core capital (leverage) ratio | 9.3357% | 4,518 |
| Tier 1 risk-based capital ratio | 10.2689% | 6,402 |
| Total risk-based capital ratio | 11.5200% | 6,356 |
| Memoranda: | ||
| Average total assets | $497,823,000 | 1,359 |
| Average earning assets | $482,919,000 | 1,284 |
| Average equity | $46,240,000 | 1,548 |
| Average total loans | $448,831,000 | 978 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5107% | 2,167 |
| Cost of funding earning assets | 0.7903% | 1,266 |
| Net interest margin | 3.7204% | 2,975 |
| Noninterest income to average assets | 0.1600% | 6,130 |
| Noninterest expense to average assets | 2.4456% | 4,946 |
| Loan and lease loss provision to assets | 0.3342% | 962 |
| Net operating income to assets | 0.5795% | 4,359 |
| Return on assets (ROA) | 0.5795% | 4,472 |
| Pretax return on assets | 0.9719% | 3,467 |
| Return on Equity (ROE) | 6.1942% | 3,979 |
| Retained earnings to average equity (ytd only) | 6.1942% | 1,853 |
| Net charge-offs to loans | 0.0605% | 4,367 |
| Credit loss provision to net charge-offs | 655.6034% | 358 |
| Earnings coverage of net charge-offs (x) | 25.6207% | 1,320 |
| Efficiency ratio | 65.1848% | 4,702 |
| Assets per employee ($millions) | 6.3583% | 1,060 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3094% | 4,096 |
| Loan loss allowance to noncurrent loans | 1,894.1176% | 313 |
| Noncurrent assets plus other real estate owned to assets | 0.0633% | 6,169 |
| Noncurrent loans to loans | 0.0691% | 6,013 |
| Net loans and leases to total assets | 90.4046% | 40 |
| Net loans and leases to deposits | 104.0142% | 322 |
| Net loans and leases to core deposits | 133.7855% | 170 |
| Total domestic deposits to total assets | 86.9157% | 2,772 |
| Equity capital to assets | 9.4449% | 4,497 |
| Core capital (leverage) ratio | 9.6614% | 4,039 |
| Tier 1 risk-based capital ratio | 10.5203% | 6,359 |
| Total risk-based capital ratio | 11.7713% | 6,318 |
| Memoranda: | ||
| Average total assets | $455,066,400 | 1,457 |
| Average earning assets | $439,335,600 | 1,383 |
| Average equity | $42,572,200 | 1,651 |
| Average total loans | $383,586,600 | 1,111 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4102% | 2,564 |
| Cost of funding earning assets | 0.7981% | 1,335 |
| Net interest margin | 3.6121% | 3,392 |
| Noninterest income to average assets | 0.1693% | 6,175 |
| Noninterest expense to average assets | 2.4721% | 4,802 |
| Loan and lease loss provision to assets | 0.3288% | 1,006 |
| Net operating income to assets | 0.5142% | 4,742 |
| Return on assets (ROA) | 0.5142% | 4,892 |
| Pretax return on assets | 0.8473% | 4,109 |
| Return on Equity (ROE) | 5.5112% | 4,465 |
| Retained earnings to average equity (ytd only) | 5.5112% | 2,717 |
| Net charge-offs to loans | 0.0351% | 4,437 |
| Credit loss provision to net charge-offs | 1,139.1753% | 272 |
| Earnings coverage of net charge-offs (x) | 40.7423% | 989 |
| Efficiency ratio | 67.7625% | 4,136 |
| Assets per employee ($millions) | 6.9197% | 779 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3389% | 4,200 |
| Loan loss allowance to noncurrent loans | 330.8338% | 1,265 |
| Noncurrent assets plus other real estate owned to assets | 0.3543% | 5,347 |
| Noncurrent loans to loans | 0.4047% | 5,181 |
| Net loans and leases to total assets | 86.3665% | 135 |
| Net loans and leases to deposits | 99.1106% | 510 |
| Net loans and leases to core deposits | 126.3817% | 236 |
| Total domestic deposits to total assets | 87.1416% | 2,612 |
| Equity capital to assets | 9.5114% | 4,544 |
| Core capital (leverage) ratio | 9.8384% | 3,904 |
| Tier 1 risk-based capital ratio | 11.2546% | 6,171 |
| Total risk-based capital ratio | 12.5087% | 6,133 |
| Memoranda: | ||
| Average total assets | $448,024,500 | 1,489 |
| Average earning assets | $431,504,000 | 1,417 |
| Average equity | $41,805,000 | 1,691 |
| Average total loans | $368,817,750 | 1,159 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3080% | 2,922 |
| Cost of funding earning assets | 0.8038% | 1,392 |
| Net interest margin | 3.5042% | 3,764 |
| Noninterest income to average assets | 0.1716% | 6,183 |
| Noninterest expense to average assets | 2.4803% | 4,804 |
| Loan and lease loss provision to assets | 0.3178% | 1,108 |
| Net operating income to assets | 0.4554% | 4,992 |
| Return on assets (ROA) | 0.4554% | 5,163 |
| Pretax return on assets | 0.7464% | 4,523 |
| Return on Equity (ROE) | 4.9141% | 4,772 |
| Retained earnings to average equity (ytd only) | 4.9141% | 3,109 |
| Net charge-offs to loans | 0.0186% | 4,470 |
| Credit loss provision to net charge-offs | 2,121.2121% | 154 |
| Earnings coverage of net charge-offs (x) | 71.0303% | 631 |
| Efficiency ratio | 69.9757% | 3,829 |
| Assets per employee ($millions) | 7.1024% | 693 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3779% | 4,136 |
| Loan loss allowance to noncurrent loans | 336.4109% | 1,253 |
| Noncurrent assets plus other real estate owned to assets | 0.3232% | 5,506 |
| Noncurrent loans to loans | 0.4096% | 5,235 |
| Net loans and leases to total assets | 77.8212% | 772 |
| Net loans and leases to deposits | 87.8220% | 1,361 |
| Net loans and leases to core deposits | 105.4601% | 768 |
| Total domestic deposits to total assets | 88.6124% | 1,839 |
| Equity capital to assets | 9.2170% | 4,966 |
| Core capital (leverage) ratio | 9.5327% | 4,191 |
| Tier 1 risk-based capital ratio | 11.7731% | 5,935 |
| Total risk-based capital ratio | 13.0274% | 5,885 |
| Memoranda: | ||
| Average total assets | $440,519,670 | 1,512 |
| Average earning assets | $424,003,670 | 1,444 |
| Average equity | $40,821,670 | 1,727 |
| Average total loans | $354,456,000 | 1,201 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3341% | 2,750 |
| Cost of funding earning assets | 0.8295% | 1,369 |
| Net interest margin | 3.5046% | 3,673 |
| Noninterest income to average assets | 0.1646% | 6,272 |
| Noninterest expense to average assets | 2.5475% | 4,577 |
| Loan and lease loss provision to assets | 0.3169% | 1,070 |
| Net operating income to assets | 0.4143% | 5,072 |
| Return on assets (ROA) | 0.4143% | 5,221 |
| Pretax return on assets | 0.6773% | 4,668 |
| Return on Equity (ROE) | 4.4577% | 4,867 |
| Retained earnings to average equity (ytd only) | 4.4577% | 3,560 |
| Net charge-offs to loans | 0.0174% | 3,808 |
| Credit loss provision to net charge-offs | 2,233.3333% | 148 |
| Earnings coverage of net charge-offs (x) | 70.0667% | 512 |
| Efficiency ratio | 71.9284% | 3,629 |
| Assets per employee ($millions) | 7.1578% | 721 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3694% | 4,381 |
| Loan loss allowance to noncurrent loans | 309.8203% | 1,282 |
| Noncurrent assets plus other real estate owned to assets | 0.3511% | 5,539 |
| Noncurrent loans to loans | 0.4420% | 5,314 |
| Net loans and leases to total assets | 78.3408% | 579 |
| Net loans and leases to deposits | 89.8324% | 985 |
| Net loans and leases to core deposits | 107.3521% | 586 |
| Total domestic deposits to total assets | 87.2077% | 2,827 |
| Equity capital to assets | 9.8125% | 4,402 |
| Core capital (leverage) ratio | 10.2461% | 3,083 |
| Tier 1 risk-based capital ratio | 12.2803% | 5,733 |
| Total risk-based capital ratio | 13.5347% | 5,686 |
| Memoranda: | ||
| Average total assets | $422,850,000 | 1,589 |
| Average earning assets | $407,465,000 | 1,508 |
| Average equity | $39,302,500 | 1,803 |
| Average total loans | $343,937,500 | 1,233 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6878% | 2,642 |
| Cost of funding earning assets | 0.9647% | 1,556 |
| Net interest margin | 3.7231% | 3,551 |
| Noninterest income to average assets | 0.1230% | 6,419 |
| Noninterest expense to average assets | 2.8190% | 3,949 |
| Loan and lease loss provision to assets | 0.4877% | 1,249 |
| Net operating income to assets | 1.0505% | 2,121 |
| Return on assets (ROA) | 1.0538% | 2,302 |
| Pretax return on assets | 0.3958% | 5,591 |
| Return on Equity (ROE) | 12.0443% | 1,500 |
| Retained earnings to average equity (ytd only) | 12.0443% | 321 |
| Net charge-offs to loans | 0.0004% | 5,983 |
| Credit loss provision to net charge-offs | 165,000.0000% | 1 |
| Earnings coverage of net charge-offs (x) | 2,978.0000% | 7 |
| Efficiency ratio | 76.2046% | 2,711 |
| Assets per employee ($millions) | 6.5888% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3438% | 4,439 |
| Loan loss allowance to noncurrent loans | 345.6288% | 1,145 |
| Noncurrent assets plus other real estate owned to assets | 0.3244% | 5,696 |
| Noncurrent loans to loans | 0.3888% | 5,517 |
| Net loans and leases to total assets | 82.3250% | 311 |
| Net loans and leases to deposits | 93.8786% | 757 |
| Net loans and leases to core deposits | 110.1066% | 539 |
| Total domestic deposits to total assets | 87.6930% | 2,417 |
| Equity capital to assets | 8.7229% | 5,828 |
| Core capital (leverage) ratio | 8.8175% | 5,154 |
| Tier 1 risk-based capital ratio | 10.0059% | 6,702 |
| Total risk-based capital ratio | 11.2577% | 6,667 |
| Memoranda: | ||
| Average total assets | $338,307,200 | 1,914 |
| Average earning assets | $324,968,800 | 1,828 |
| Average equity | $29,599,000 | 2,272 |
| Average total loans | $279,601,000 | 1,485 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7137% | 2,752 |
| Cost of funding earning assets | 0.9735% | 1,718 |
| Net interest margin | 3.7401% | 3,609 |
| Noninterest income to average assets | 0.1075% | 6,594 |
| Noninterest expense to average assets | 2.8531% | 3,783 |
| Loan and lease loss provision to assets | 0.4797% | 1,286 |
| Net operating income to assets | 1.3796% | 1,269 |
| Return on assets (ROA) | 1.3841% | 1,389 |
| Pretax return on assets | 0.3747% | 5,779 |
| Return on Equity (ROE) | 15.8056% | 770 |
| Retained earnings to average equity (ytd only) | 15.8056% | 201 |
| Net charge-offs to loans | 0.0000% | 5,771 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.0494% | 2,514 |
| Assets per employee ($millions) | 6.5443% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2946% | 4,839 |
| 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 | 82.1231% | 336 |
| Net loans and leases to deposits | 93.8133% | 805 |
| Net loans and leases to core deposits | 110.3682% | 553 |
| Total domestic deposits to total assets | 87.5389% | 2,325 |
| Equity capital to assets | 8.0426% | 6,568 |
| Core capital (leverage) ratio | 8.0623% | 6,274 |
| Tier 1 risk-based capital ratio | 9.1212% | 6,931 |
| Total risk-based capital ratio | 10.3748% | 6,933 |
| Memoranda: | ||
| Average total assets | $322,404,750 | 2,018 |
| Average earning assets | $309,927,000 | 1,929 |
| Average equity | $28,234,000 | 2,392 |
| Average total loans | $265,655,000 | 1,572 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6937% | 2,943 |
| Cost of funding earning assets | 0.9925% | 1,811 |
| Net interest margin | 3.7012% | 3,811 |
| Noninterest income to average assets | 0.1034% | 6,660 |
| Noninterest expense to average assets | 2.8691% | 3,750 |
| Loan and lease loss provision to assets | 0.4713% | 1,355 |
| Net operating income to assets | 2.0240% | 382 |
| Return on assets (ROA) | 2.0312% | 422 |
| Pretax return on assets | 0.3293% | 5,899 |
| Return on Equity (ROE) | 22.4489% | 232 |
| Retained earnings to average equity (ytd only) | 22.4489% | 70 |
| Net charge-offs to loans | 0.0000% | 5,507 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.3378% | 2,414 |
| Assets per employee ($millions) | 5.8781% | 1,309 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2541% | 5,109 |
| 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 | 82.6374% | 295 |
| Net loans and leases to deposits | 96.6793% | 589 |
| Net loans and leases to core deposits | 113.6661% | 462 |
| Total domestic deposits to total assets | 85.4758% | 3,622 |
| Equity capital to assets | 8.6614% | 6,065 |
| Core capital (leverage) ratio | 8.9386% | 4,998 |
| Tier 1 risk-based capital ratio | 9.8464% | 6,862 |
| Total risk-based capital ratio | 11.0801% | 6,860 |
| Memoranda: | ||
| Average total assets | $305,531,670 | 2,123 |
| Average earning assets | $293,800,000 | 2,022 |
| Average equity | $27,645,000 | 2,435 |
| Average total loans | $250,754,330 | 1,656 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7035% | 3,042 |
| Cost of funding earning assets | 1.0284% | 1,823 |
| Net interest margin | 3.6751% | 3,940 |
| Noninterest income to average assets | 0.0889% | 6,790 |
| Noninterest expense to average assets | 2.9309% | 3,506 |
| Loan and lease loss provision to assets | 0.4586% | 1,346 |
| Net operating income to assets | 0.2404% | 5,854 |
| Return on assets (ROA) | 0.2557% | 5,952 |
| Pretax return on assets | 0.2557% | 6,068 |
| Return on Equity (ROE) | 2.7562% | 5,803 |
| Retained earnings to average equity (ytd only) | 2.7562% | 4,879 |
| Net charge-offs to loans | 0.0000% | 4,730 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.7427% | 2,112 |
| Assets per employee ($millions) | 5.8071% | 1,427 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3028% | 5,009 |
| 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 | 78.4697% | 542 |
| Net loans and leases to deposits | 90.6981% | 902 |
| Net loans and leases to core deposits | 107.5308% | 625 |
| Total domestic deposits to total assets | 86.5175% | 3,235 |
| Equity capital to assets | 8.7174% | 5,852 |
| Core capital (leverage) ratio | 9.4267% | 4,163 |
| Tier 1 risk-based capital ratio | 10.5714% | 6,713 |
| Total risk-based capital ratio | 11.8216% | 6,701 |
| Memoranda: | ||
| Average total assets | $287,833,500 | 2,260 |
| Average earning assets | $277,325,000 | 2,146 |
| Average equity | $26,703,000 | 2,503 |
| Average total loans | $233,475,500 | 1,765 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9524% | 3,098 |
| Cost of funding earning assets | 1.2332% | 1,823 |
| Net interest margin | 3.7192% | 4,215 |
| Noninterest income to average assets | 0.1138% | 6,581 |
| Noninterest expense to average assets | 3.0402% | 3,435 |
| Loan and lease loss provision to assets | 0.5193% | 2,024 |
| Net operating income to assets | 0.1479% | 5,739 |
| Return on assets (ROA) | 0.1507% | 5,870 |
| Pretax return on assets | 0.1507% | 5,887 |
| Return on Equity (ROE) | 1.4499% | 5,855 |
| Retained earnings to average equity (ytd only) | 1.4499% | 5,171 |
| Net charge-offs to loans | -0.0122% | 6,906 |
| Credit loss provision to net charge-offs | -5,366.6667% | 6,944 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.0035% | 2,028 |
| Assets per employee ($millions) | 5.6998% | 1,439 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2855% | 4,991 |
| 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 | 81.8971% | 346 |
| Net loans and leases to deposits | 95.5895% | 697 |
| Net loans and leases to core deposits | 116.6777% | 431 |
| Total domestic deposits to total assets | 85.6759% | 3,498 |
| Equity capital to assets | 9.9205% | 4,273 |
| Core capital (leverage) ratio | 10.3115% | 2,955 |
| Tier 1 risk-based capital ratio | 11.5974% | 6,098 |
| Total risk-based capital ratio | 12.8521% | 6,080 |
| Memoranda: | ||
| Average total assets | $217,025,800 | 2,871 |
| Average earning assets | $209,697,200 | 2,731 |
| Average equity | $22,554,000 | 2,831 |
| Average total loans | $171,553,800 | 2,360 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0100% | 3,034 |
| Cost of funding earning assets | 1.2696% | 1,867 |
| Net interest margin | 3.7405% | 4,157 |
| Noninterest income to average assets | 0.1129% | 6,694 |
| Noninterest expense to average assets | 3.0867% | 3,216 |
| Loan and lease loss provision to assets | 0.5025% | 1,970 |
| Net operating income to assets | 0.1403% | 5,863 |
| Return on assets (ROA) | 0.1442% | 5,975 |
| Pretax return on assets | 0.1442% | 6,013 |
| Return on Equity (ROE) | 1.3674% | 5,980 |
| Retained earnings to average equity (ytd only) | 1.3674% | 5,457 |
| Net charge-offs to loans | -0.0201% | 6,912 |
| Credit loss provision to net charge-offs | -3,208.3333% | 6,867 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.7647% | 1,871 |
| Assets per employee ($millions) | 5.5640% | 1,532 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3519% | 4,766 |
| 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 | 76.3415% | 936 |
| Net loans and leases to deposits | 89.1215% | 1,305 |
| Net loans and leases to core deposits | 109.5050% | 700 |
| Total domestic deposits to total assets | 85.6600% | 3,408 |
| Equity capital to assets | 11.0966% | 3,051 |
| Core capital (leverage) ratio | 11.4174% | 2,089 |
| Tier 1 risk-based capital ratio | 13.6028% | 4,646 |
| Total risk-based capital ratio | 14.8537% | 4,621 |
| Memoranda: | ||
| Average total assets | $204,309,500 | 3,030 |
| Average earning assets | $197,544,750 | 2,895 |
| Average equity | $21,548,500 | 2,942 |
| Average total loans | $158,879,250 | 2,533 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9966% | 3,174 |
| Cost of funding earning assets | 1.3055% | 1,912 |
| Net interest margin | 3.6911% | 4,303 |
| Noninterest income to average assets | 0.1194% | 6,735 |
| Noninterest expense to average assets | 3.1423% | 3,106 |
| Loan and lease loss provision to assets | 0.4775% | 2,075 |
| Net operating income to assets | 0.0685% | 6,082 |
| Return on assets (ROA) | 0.0747% | 6,152 |
| Pretax return on assets | 0.0747% | 6,140 |
| Return on Equity (ROE) | 0.7243% | 6,142 |
| Retained earnings to average equity (ytd only) | 0.7243% | 5,567 |
| Net charge-offs to loans | -0.0320% | 6,937 |
| Credit loss provision to net charge-offs | -1,916.6667% | 6,681 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.1956% | 1,682 |
| Assets per employee ($millions) | 5.5581% | 1,519 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2928% | 5,090 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,147 |
| Noncurrent loans to loans | 0.0000% | 7,026 |
| Net loans and leases to total assets | 77.2432% | 877 |
| Net loans and leases to deposits | 92.2986% | 1,020 |
| Net loans and leases to core deposits | 112.9347% | 620 |
| Total domestic deposits to total assets | 83.6884% | 4,477 |
| Equity capital to assets | 11.4469% | 2,551 |
| Core capital (leverage) ratio | 12.6607% | 1,301 |
| Tier 1 risk-based capital ratio | 13.3214% | 4,671 |
| Total risk-based capital ratio | 14.5444% | 4,669 |
| Memoranda: | ||
| Average total assets | $192,661,330 | 3,188 |
| Average earning assets | $186,286,330 | 3,042 |
| Average equity | $19,881,670 | 3,146 |
| Average total loans | $150,121,330 | 2,684 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9298% | 3,419 |
| Cost of funding earning assets | 1.3798% | 1,713 |
| Net interest margin | 3.5500% | 4,813 |
| Noninterest income to average assets | 0.1019% | 6,904 |
| Noninterest expense to average assets | 3.1538% | 3,057 |
| Loan and lease loss provision to assets | 0.3654% | 2,371 |
| Net operating income to assets | 0.0244% | 6,291 |
| Return on assets (ROA) | 0.0288% | 6,317 |
| Pretax return on assets | 0.0288% | 6,306 |
| Return on Equity (ROE) | 0.2986% | 6,309 |
| Retained earnings to average equity (ytd only) | 0.2986% | 5,687 |
| Net charge-offs to loans | -0.1368% | 7,173 |
| Credit loss provision to net charge-offs | -343.7500% | 5,897 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 89.0000% | 1,419 |
| Assets per employee ($millions) | 5.2245% | 1,858 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2819% | 5,220 |
| Loan loss allowance to noncurrent loans | 649.3243% | 532 |
| Noncurrent assets plus other real estate owned to assets | 0.1574% | 6,772 |
| Noncurrent loans to loans | 0.1974% | 6,578 |
| Net loans and leases to total assets | 78.6981% | 655 |
| Net loans and leases to deposits | 92.0744% | 1,014 |
| Net loans and leases to core deposits | 109.8073% | 736 |
| Total domestic deposits to total assets | 85.4723% | 3,800 |
| Equity capital to assets | 10.2992% | 3,417 |
| Core capital (leverage) ratio | 10.4748% | 2,645 |
| Tier 1 risk-based capital ratio | 12.0206% | 5,672 |
| Total risk-based capital ratio | 13.2531% | 5,674 |
| Memoranda: | ||
| Average total assets | $180,609,000 | 3,379 |
| Average earning assets | $175,100,000 | 3,221 |
| Average equity | $17,416,000 | 3,507 |
| Average total loans | $140,367,000 | 2,878 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0122% | 4,500 |
| Cost of funding earning assets | 1.7002% | 1,597 |
| Net interest margin | 3.3120% | 5,943 |
| Noninterest income to average assets | 0.1287% | 6,754 |
| Noninterest expense to average assets | 3.4612% | 2,273 |
| Loan and lease loss provision to assets | 0.7014% | 2,335 |
| Net operating income to assets | -0.8496% | 6,602 |
| Return on assets (ROA) | -0.7968% | 6,601 |
| Pretax return on assets | -0.7968% | 6,523 |
| Return on Equity (ROE) | -7.5375% | 6,588 |
| Retained earnings to average equity (ytd only) | -7.5375% | 6,495 |
| Net charge-offs to loans | 0.2203% | 4,970 |
| Credit loss provision to net charge-offs | 454.0541% | 506 |
| Earnings coverage of net charge-offs (x) | -0.9595% | 6,595 |
| Efficiency ratio | 104.4739% | 657 |
| Assets per employee ($millions) | 4.9467% | 2,224 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3066% | 4,972 |
| Loan loss allowance to noncurrent loans | 577.3649% | 570 |
| Noncurrent assets plus other real estate owned to assets | 0.1710% | 6,805 |
| Noncurrent loans to loans | 0.2263% | 6,609 |
| Net loans and leases to total assets | 74.5576% | 1,561 |
| Net loans and leases to deposits | 83.7101% | 2,499 |
| Net loans and leases to core deposits | 100.7107% | 1,558 |
| Total domestic deposits to total assets | 89.0664% | 1,612 |
| Equity capital to assets | 8.9300% | 5,237 |
| Core capital (leverage) ratio | 8.9314% | 4,644 |
| Tier 1 risk-based capital ratio | 10.5045% | 6,698 |
| Total risk-based capital ratio | 11.7255% | 6,693 |
| Memoranda: | ||
| Average total assets | $143,708,000 | 3,991 |
| Average earning assets | $138,163,600 | 3,853 |
| Average equity | $15,190,800 | 3,908 |
| Average total loans | $100,785,800 | 3,770 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0220% | 4,710 |
| Cost of funding earning assets | 1.7824% | 1,495 |
| Net interest margin | 3.2397% | 6,208 |
| Noninterest income to average assets | 0.1164% | 6,968 |
| Noninterest expense to average assets | 3.4929% | 2,048 |
| Loan and lease loss provision to assets | 0.7510% | 2,041 |
| Net operating income to assets | -1.0189% | 6,913 |
| Return on assets (ROA) | -0.9886% | 6,940 |
| Pretax return on assets | -0.9886% | 6,854 |
| Return on Equity (ROE) | -8.9132% | 6,877 |
| Retained earnings to average equity (ytd only) | -8.9132% | 6,821 |
| Net charge-offs to loans | 0.3159% | 4,074 |
| Credit loss provision to net charge-offs | 347.5113% | 911 |
| Earnings coverage of net charge-offs (x) | -1.2398% | 6,480 |
| Efficiency ratio | 108.3081% | 557 |
| Assets per employee ($millions) | 4.7100% | 2,580 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2941% | 5,000 |
| 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 | 72.1362% | 2,226 |
| Net loans and leases to deposits | 83.6282% | 2,769 |
| Net loans and leases to core deposits | 104.3792% | 1,448 |
| Total domestic deposits to total assets | 86.2582% | 2,943 |
| Equity capital to assets | 10.1247% | 3,986 |
| Core capital (leverage) ratio | 9.7529% | 3,548 |
| Tier 1 risk-based capital ratio | 11.9693% | 5,491 |
| Total risk-based capital ratio | 13.1599% | 5,520 |
| Memoranda: | ||
| Average total assets | $136,351,000 | 4,184 |
| Average earning assets | $130,833,750 | 4,050 |
| Average equity | $15,123,250 | 3,968 |
| Average total loans | $93,283,500 | 4,045 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9617% | 5,121 |
| Cost of funding earning assets | 1.8802% | 1,307 |
| Net interest margin | 3.0815% | 6,649 |
| Noninterest income to average assets | 0.0692% | 7,233 |
| Noninterest expense to average assets | 3.4372% | 2,174 |
| Loan and lease loss provision to assets | 0.8862% | 1,644 |
| Net operating income to assets | -1.3139% | 7,072 |
| Return on assets (ROA) | -1.2662% | 7,070 |
| Pretax return on assets | -1.2662% | 6,994 |
| Return on Equity (ROE) | -11.0332% | 6,999 |
| Retained earnings to average equity (ytd only) | -11.0332% | 6,954 |
| Net charge-offs to loans | 0.2682% | 4,001 |
| Credit loss provision to net charge-offs | 496.5517% | 748 |
| Earnings coverage of net charge-offs (x) | -2.3966% | 6,233 |
| Efficiency ratio | 114.2127% | 490 |
| Assets per employee ($millions) | 5.0211% | 2,158 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3866% | 4,488 |
| Loan loss allowance to noncurrent loans | 1,341.7476% | 266 |
| Noncurrent assets plus other real estate owned to assets | 0.0707% | 7,215 |
| Noncurrent loans to loans | 0.1033% | 7,062 |
| Net loans and leases to total assets | 67.4967% | 3,498 |
| Net loans and leases to deposits | 77.1412% | 4,139 |
| Net loans and leases to core deposits | 96.8430% | 2,344 |
| Total domestic deposits to total assets | 87.4977% | 2,255 |
| Equity capital to assets | 10.7985% | 3,074 |
| Core capital (leverage) ratio | 10.6669% | 2,485 |
| Tier 1 risk-based capital ratio | 13.7943% | 3,886 |
| Total risk-based capital ratio | 15.0535% | 3,842 |
| Memoranda: | ||
| Average total assets | $129,991,000 | 4,353 |
| Average earning assets | $124,031,000 | 4,229 |
| Average equity | $14,918,670 | 4,007 |
| Average total loans | $86,514,000 | 4,239 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0236% | 4,911 |
| Cost of funding earning assets | 1.9173% | 1,383 |
| Net interest margin | 3.1062% | 6,577 |
| Noninterest income to average assets | 0.0557% | 7,435 |
| Noninterest expense to average assets | 3.6143% | 1,700 |
| Loan and lease loss provision to assets | 0.8479% | 1,498 |
| Net operating income to assets | -1.4470% | 7,311 |
| Return on assets (ROA) | -1.4470% | 7,323 |
| Pretax return on assets | -1.4470% | 7,242 |
| Return on Equity (ROE) | -12.1797% | 7,221 |
| Retained earnings to average equity (ytd only) | -12.1797% | 7,076 |
| Net charge-offs to loans | 0.5804% | 2,355 |
| Credit loss provision to net charge-offs | 223.2759% | 1,693 |
| Earnings coverage of net charge-offs (x) | -1.5776% | 5,437 |
| Efficiency ratio | 119.8697% | 443 |
| Assets per employee ($millions) | 4.8830% | 2,384 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2431% | 5,262 |
| Loan loss allowance to noncurrent loans | 1,033.9806% | 327 |
| Noncurrent assets plus other real estate owned to assets | 0.0781% | 7,297 |
| Noncurrent loans to loans | 0.1202% | 7,108 |
| Net loans and leases to total assets | 64.1753% | 4,293 |
| Net loans and leases to deposits | 75.4833% | 4,503 |
| Net loans and leases to core deposits | 94.1796% | 2,823 |
| Total domestic deposits to total assets | 85.0192% | 3,670 |
| Equity capital to assets | 10.9487% | 2,812 |
| Core capital (leverage) ratio | 10.8228% | 2,356 |
| Tier 1 risk-based capital ratio | 13.7874% | 3,807 |
| Total risk-based capital ratio | 14.8562% | 3,883 |
| Memoranda: | ||
| Average total assets | $122,180,000 | 4,578 |
| Average earning assets | $116,411,000 | 4,459 |
| Average equity | $14,516,000 | 4,119 |
| Average total loans | $79,938,000 | 4,506 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9685% | 6,532 |
| Cost of funding earning assets | 2.2964% | 1,673 |
| Net interest margin | 2.6721% | 7,247 |
| Noninterest income to average assets | 0.0485% | 7,508 |
| Noninterest expense to average assets | 4.5649% | 747 |
| Loan and lease loss provision to assets | 0.6229% | 3,312 |
| Net operating income to assets | -2.6072% | 7,296 |
| Return on assets (ROA) | -2.6072% | 7,299 |
| Pretax return on assets | -2.6072% | 7,175 |
| Return on Equity (ROE) | -14.9129% | 6,930 |
| Retained earnings to average equity (ytd only) | -14.9129% | 6,881 |
| Net charge-offs to loans | 0.0020% | 7,227 |
| Credit loss provision to net charge-offs | 53,900.0000% | 4 |
| Earnings coverage of net charge-offs (x) | -1,717.0000% | 7,244 |
| Efficiency ratio | 176.8921% | 195 |
| Assets per employee ($millions) | 4.5007% | 2,922 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2426% | 5,113 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,553 |
| Noncurrent loans to loans | 0.0000% | 7,460 |
| Net loans and leases to total assets | 65.1265% | 4,352 |
| Net loans and leases to deposits | 78.3088% | 4,314 |
| Net loans and leases to core deposits | 104.0969% | 3,566 |
| Total domestic deposits to total assets | 83.1662% | 4,441 |
| Equity capital to assets | 12.9730% | 1,518 |
| Core capital (leverage) ratio | 13.3074% | 1,153 |
| Tier 1 risk-based capital ratio | 14.9641% | 2,962 |
| Total risk-based capital ratio | 15.9407% | 3,065 |
| Memoranda: | ||
| Average total assets | $86,529,600 | 5,504 |
| Average earning assets | $81,996,400 | 5,394 |
| Average equity | $15,127,800 | 4,038 |
| Average total loans | $50,432,000 | 5,644 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8310% | 7,046 |
| Cost of funding earning assets | 2.3343% | 1,861 |
| Net interest margin | 2.4967% | 7,469 |
| Noninterest income to average assets | 0.0433% | 7,673 |
| Noninterest expense to average assets | 4.7579% | 585 |
| Loan and lease loss provision to assets | 0.6530% | 2,791 |
| Net operating income to assets | -3.0120% | 7,585 |
| Return on assets (ROA) | -3.0120% | 7,595 |
| Pretax return on assets | -3.0120% | 7,503 |
| Return on Equity (ROE) | -15.7964% | 7,227 |
| Retained earnings to average equity (ytd only) | -15.7964% | 7,176 |
| Net charge-offs to loans | 0.0000% | 6,987 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 198.3333% | 157 |
| Assets per employee ($millions) | 3.8963% | 3,955 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3140% | 4,415 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,619 |
| Noncurrent loans to loans | 0.0000% | 7,541 |
| Net loans and leases to total assets | 57.5304% | 5,964 |
| Net loans and leases to deposits | 67.7391% | 6,152 |
| Net loans and leases to core deposits | 87.5141% | 5,685 |
| Total domestic deposits to total assets | 84.9294% | 3,274 |
| Equity capital to assets | 14.5632% | 1,123 |
| Core capital (leverage) ratio | 15.0820% | 840 |
| Tier 1 risk-based capital ratio | 17.4067% | 2,146 |
| Total risk-based capital ratio | 18.3579% | 2,192 |
| Memoranda: | ||
| Average total assets | $80,032,500 | 5,762 |
| Average earning assets | $75,510,500 | 5,653 |
| Average equity | $15,260,500 | 4,057 |
| Average total loans | $44,489,750 | 5,949 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7883% | 7,250 |
| Cost of funding earning assets | 2.3039% | 2,345 |
| Net interest margin | 2.4844% | 7,498 |
| Noninterest income to average assets | 0.0521% | 7,728 |
| Noninterest expense to average assets | 4.9436% | 531 |
| Loan and lease loss provision to assets | 0.8061% | 2,074 |
| Net operating income to assets | -3.3588% | 7,734 |
| Return on assets (ROA) | -3.3588% | 7,738 |
| Pretax return on assets | -3.3588% | 7,648 |
| Return on Equity (ROE) | -15.8785% | 7,375 |
| Retained earnings to average equity (ytd only) | -15.8785% | 7,290 |
| Net charge-offs to loans | 0.0000% | 6,628 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 206.7661% | 181 |
| Assets per employee ($millions) | 3.9041% | 3,865 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4428% | 3,508 |
| Loan loss allowance to noncurrent loans | NA | NA |
| Noncurrent assets plus other real estate owned to assets | 0.0000% | 7,675 |
| Noncurrent loans to loans | 0.0000% | 7,580 |
| Net loans and leases to total assets | 53.9207% | 6,465 |
| Net loans and leases to deposits | 65.7034% | 6,420 |
| Net loans and leases to core deposits | 92.8637% | 5,257 |
| Total domestic deposits to total assets | 82.0668% | 4,665 |
| Equity capital to assets | 17.3546% | 619 |
| Core capital (leverage) ratio | 18.5315% | 451 |
| Tier 1 risk-based capital ratio | 25.9464% | 867 |
| Total risk-based capital ratio | 27.1392% | 845 |
| Memoranda: | ||
| Average total assets | $72,942,330 | 6,006 |
| Average earning assets | $68,667,330 | 5,933 |
| Average equity | $15,429,670 | 4,030 |
| Average total loans | $39,634,330 | 6,218 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4706% | 7,746 |
| Cost of funding earning assets | 2.1376% | 3,477 |
| Net interest margin | 2.3331% | 7,688 |
| Noninterest income to average assets | 0.0662% | 7,737 |
| Noninterest expense to average assets | 5.0490% | 470 |
| Loan and lease loss provision to assets | 0.8846% | 1,481 |
| Net operating income to assets | -3.6408% | 7,939 |
| Return on assets (ROA) | -3.6408% | 7,931 |
| Pretax return on assets | -3.6408% | 7,860 |
| Return on Equity (ROE) | -15.4224% | 7,619 |
| Retained earnings to average equity (ytd only) | -15.4224% | 7,455 |
| Net charge-offs to loans | 0.0000% | 5,728 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 220.2100% | 157 |
| Assets per employee ($millions) | 4.0721% | 3,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3652% | 3,707 |
| 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% | 7,590 |
| Net loans and leases to total assets | 52.3384% | 6,647 |
| Net loans and leases to deposits | 66.8054% | 6,300 |
| Net loans and leases to core deposits | 103.7820% | 4,161 |
| Total domestic deposits to total assets | 78.3446% | 5,909 |
| Equity capital to assets | 21.1070% | 357 |
| Core capital (leverage) ratio | 23.5352% | 267 |
| Tier 1 risk-based capital ratio | 33.0838% | 492 |
| Total risk-based capital ratio | 34.2293% | 487 |
| Memoranda: | ||
| Average total assets | $66,468,000 | 6,234 |
| Average earning assets | $63,436,000 | 6,131 |
| Average equity | $15,691,500 | 4,003 |
| Average total loans | $35,956,000 | 6,443 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1924% | 8,079 |
| Cost of funding earning assets | 1.8023% | 6,998 |
| Net interest margin | 2.3900% | 7,859 |
| Noninterest income to average assets | 0.0270% | 7,996 |
| Noninterest expense to average assets | 7.7829% | 232 |
| Loan and lease loss provision to assets | 1.0638% | 1,370 |
| Net operating income to assets | -6.5717% | 8,176 |
| Return on assets (ROA) | -6.5717% | 8,172 |
| Pretax return on assets | -6.5717% | 8,134 |
| Return on Equity (ROE) | -15.6296% | 7,611 |
| Retained earnings to average equity (ytd only) | -15.6296% | 7,494 |
| Net charge-offs to loans | 0.5007% | 2,362 |
| Credit loss provision to net charge-offs | 503.4884% | 864 |
| Earnings coverage of net charge-offs (x) | -26.0698% | 6,951 |
| Efficiency ratio | 342.1166% | 83 |
| Assets per employee ($millions) | 3.9759% | 3,574 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1630% | 4,828 |
| 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 | 54.7201% | 6,579 |
| Net loans and leases to deposits | 75.1278% | 5,718 |
| Net loans and leases to core deposits | 100.0828% | 4,818 |
| Total domestic deposits to total assets | 72.8361% | 6,860 |
| Equity capital to assets | 26.6810% | 224 |
| Core capital (leverage) ratio | 30.1581% | 183 |
| Tier 1 risk-based capital ratio | 41.3379% | 308 |
| Total risk-based capital ratio | 42.3359% | 306 |
| Memoranda: | ||
| Average total assets | $40,704,800 | 7,184 |
| Average earning assets | $38,283,800 | 7,121 |
| Average equity | $17,115,000 | 3,717 |
| Average total loans | $17,175,200 | 7,509 |