Home > River Cities Bank > Performance and Condition Ratios
River Cities Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4039% | 3,345 |
| Cost of funding earning assets | 0.8617% | 2,404 |
| Net interest margin | 3.5422% | 3,430 |
| Noninterest income to average assets | 0.2987% | 3,952 |
| Noninterest expense to average assets | 1.7665% | 4,858 |
| Loan and lease loss provision to assets | 0.0698% | 2,480 |
| Net operating income to assets | 1.3321% | 1,715 |
| Return on assets (ROA) | 1.3231% | 1,828 |
| Pretax return on assets | 1.7484% | 1,202 |
| Return on Equity (ROE) | 8.7633% | 2,981 |
| Retained earnings to average equity (ytd only) | 5.7167% | 2,498 |
| Net charge-offs to loans | 0.0214% | 2,681 |
| Credit loss provision to net charge-offs | 465.5172% | 669 |
| Earnings coverage of net charge-offs (x) | 122.0553% | 640 |
| Efficiency ratio | 49.1233% | 4,791 |
| Assets per employee ($millions) | 7.0901% | 992 |
| Cash dividends to net income (ytd only)* | 34.7657% | 2,400 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5685% | 1,065 |
| Loan loss allowance to noncurrent loans | 4,245.5882% | 164 |
| Noncurrent assets plus other real estate owned to assets | 0.0259% | 4,607 |
| Noncurrent loans to loans | 0.0369% | 4,491 |
| Net loans and leases to total assets | 69.0637% | 2,614 |
| Net loans and leases to deposits | 84.6811% | 2,356 |
| Net loans and leases to core deposits | 88.7774% | 2,657 |
| Total domestic deposits to total assets | 81.5574% | 3,600 |
| Equity capital to assets | 15.3298% | 769 |
| Core capital (leverage) ratio | 15.2687% | 676 |
| Tier 1 risk-based capital ratio | 21.2665% | 1,159 |
| Total risk-based capital ratio | 22.5204% | 1,139 |
| Memoranda: | ||
| Average total assets | $257,975,250 | 2,428 |
| Average earning assets | $240,145,250 | 2,427 |
| Average equity | $38,949,500 | 1,991 |
| Average total loans | $180,790,500 | 2,330 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4084% | 3,308 |
| Cost of funding earning assets | 0.8671% | 2,315 |
| Net interest margin | 3.5413% | 3,461 |
| Noninterest income to average assets | 0.2690% | 4,138 |
| Noninterest expense to average assets | 1.8299% | 4,839 |
| Loan and lease loss provision to assets | 0.0702% | 2,415 |
| Net operating income to assets | 1.2618% | 1,910 |
| Return on assets (ROA) | 1.2482% | 2,024 |
| Pretax return on assets | 1.6474% | 1,404 |
| Return on Equity (ROE) | 8.3109% | 3,154 |
| Retained earnings to average equity (ytd only) | 3.6909% | 3,413 |
| Net charge-offs to loans | 0.0301% | 2,254 |
| Credit loss provision to net charge-offs | 333.3333% | 828 |
| Earnings coverage of net charge-offs (x) | 82.4074% | 796 |
| Efficiency ratio | 51.3342% | 4,698 |
| Assets per employee ($millions) | 7.0857% | 961 |
| Cash dividends to net income (ytd only)* | 55.5903% | 1,553 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6119% | 1,006 |
| Loan loss allowance to noncurrent loans | 3,792.0000% | 188 |
| Noncurrent assets plus other real estate owned to assets | 0.0294% | 4,626 |
| Noncurrent loans to loans | 0.0425% | 4,494 |
| Net loans and leases to total assets | 68.0526% | 2,804 |
| Net loans and leases to deposits | 82.3140% | 2,696 |
| Net loans and leases to core deposits | 87.6625% | 2,833 |
| Total domestic deposits to total assets | 82.6744% | 3,313 |
| Equity capital to assets | 15.3345% | 740 |
| Core capital (leverage) ratio | 15.0567% | 693 |
| Tier 1 risk-based capital ratio | 21.0778% | 1,166 |
| Total risk-based capital ratio | 22.3319% | 1,152 |
| Memoranda: | ||
| Average total assets | $256,522,670 | 2,444 |
| Average earning assets | $238,724,670 | 2,440 |
| Average equity | $38,527,670 | 1,999 |
| Average total loans | $179,699,330 | 2,344 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3729% | 3,322 |
| Cost of funding earning assets | 0.8629% | 2,194 |
| Net interest margin | 3.5101% | 3,568 |
| Noninterest income to average assets | 0.2084% | 4,501 |
| Noninterest expense to average assets | 1.7400% | 4,978 |
| Loan and lease loss provision to assets | 0.0700% | 2,258 |
| Net operating income to assets | 1.2570% | 1,859 |
| Return on assets (ROA) | 1.2300% | 1,996 |
| Pretax return on assets | 1.6280% | 1,398 |
| Return on Equity (ROE) | 8.2755% | 3,128 |
| Retained earnings to average equity (ytd only) | 8.2755% | 1,559 |
| Net charge-offs to loans | 0.0000% | 2,740 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.1120% | 4,818 |
| Assets per employee ($millions) | 7.3232% | 872 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5537% | 1,173 |
| Loan loss allowance to noncurrent loans | 3,446.3415% | 204 |
| Noncurrent assets plus other real estate owned to assets | 0.0320% | 4,678 |
| Noncurrent loans to loans | 0.0451% | 4,560 |
| Net loans and leases to total assets | 69.8593% | 2,504 |
| Net loans and leases to deposits | 84.2566% | 2,356 |
| Net loans and leases to core deposits | 91.1422% | 2,387 |
| Total domestic deposits to total assets | 82.9126% | 3,414 |
| Equity capital to assets | 15.1710% | 720 |
| Core capital (leverage) ratio | 14.9981% | 693 |
| Tier 1 risk-based capital ratio | 20.9413% | 1,172 |
| Total risk-based capital ratio | 22.1946% | 1,152 |
| Memoranda: | ||
| Average total assets | $257,241,500 | 2,465 |
| Average earning assets | $239,198,000 | 2,459 |
| Average equity | $38,233,500 | 2,005 |
| Average total loans | $181,331,000 | 2,356 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1836% | 3,480 |
| Cost of funding earning assets | 0.6094% | 2,651 |
| Net interest margin | 3.5742% | 3,469 |
| Noninterest income to average assets | 0.4098% | 3,385 |
| Noninterest expense to average assets | 1.8622% | 4,944 |
| Loan and lease loss provision to assets | -0.2065% | 5,337 |
| Net operating income to assets | 1.5540% | 983 |
| Return on assets (ROA) | 1.5524% | 982 |
| Pretax return on assets | 2.0724% | 473 |
| Return on Equity (ROE) | 10.6931% | 2,210 |
| Retained earnings to average equity (ytd only) | 8.0436% | 1,215 |
| Net charge-offs to loans | -0.0275% | 4,785 |
| Credit loss provision to net charge-offs | 1,062.5000% | 368 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.9240% | 4,948 |
| Assets per employee ($millions) | 7.3763% | 840 |
| Cash dividends to net income (ytd only)* | 24.7783% | 3,289 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5383% | 1,179 |
| Loan loss allowance to noncurrent loans | 3,090.0000% | 260 |
| Noncurrent assets plus other real estate owned to assets | 0.0380% | 4,654 |
| Noncurrent loans to loans | 0.0498% | 4,519 |
| Net loans and leases to total assets | 68.9455% | 2,737 |
| Net loans and leases to deposits | 83.7070% | 2,543 |
| Net loans and leases to core deposits | 88.1514% | 2,740 |
| Total domestic deposits to total assets | 82.3652% | 3,529 |
| Equity capital to assets | 14.5570% | 822 |
| Core capital (leverage) ratio | 14.9908% | 695 |
| Tier 1 risk-based capital ratio | 20.6176% | 1,207 |
| Total risk-based capital ratio | 21.8711% | 1,177 |
| Memoranda: | ||
| Average total assets | $246,966,000 | 2,489 |
| Average earning assets | $229,419,400 | 2,491 |
| Average equity | $35,854,800 | 2,040 |
| Average total loans | $174,843,200 | 2,383 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1407% | 3,490 |
| Cost of funding earning assets | 0.5686% | 2,717 |
| Net interest margin | 3.5721% | 3,454 |
| Noninterest income to average assets | 0.3274% | 3,956 |
| Noninterest expense to average assets | 1.7636% | 5,073 |
| Loan and lease loss provision to assets | 0.0492% | 3,009 |
| Net operating income to assets | 1.3906% | 1,525 |
| Return on assets (ROA) | 1.3876% | 1,534 |
| Pretax return on assets | 1.8516% | 900 |
| Return on Equity (ROE) | 9.5967% | 2,799 |
| Retained earnings to average equity (ytd only) | 6.0059% | 2,653 |
| Net charge-offs to loans | 0.0015% | 3,444 |
| Credit loss provision to net charge-offs | 4,500.0000% | 88 |
| Earnings coverage of net charge-offs (x) | 1,740.2809% | 38 |
| Efficiency ratio | 48.0781% | 5,048 |
| Assets per employee ($millions) | 6.8513% | 994 |
| Cash dividends to net income (ytd only)* | 37.4164% | 2,187 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9121% | 578 |
| Loan loss allowance to noncurrent loans | 3,434.0206% | 218 |
| Noncurrent assets plus other real estate owned to assets | 0.0426% | 4,760 |
| Noncurrent loans to loans | 0.0557% | 4,640 |
| Net loans and leases to total assets | 69.2793% | 2,764 |
| Net loans and leases to deposits | 84.1965% | 2,580 |
| Net loans and leases to core deposits | 92.1169% | 2,475 |
| Total domestic deposits to total assets | 82.2828% | 3,529 |
| Equity capital to assets | 14.5762% | 808 |
| Core capital (leverage) ratio | 14.7936% | 757 |
| Tier 1 risk-based capital ratio | 20.6828% | 1,227 |
| Total risk-based capital ratio | 21.9393% | 1,204 |
| Memoranda: | ||
| Average total assets | $243,967,000 | 2,522 |
| Average earning assets | $228,170,250 | 2,510 |
| Average equity | $35,275,250 | 2,068 |
| Average total loans | $173,359,250 | 2,413 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0811% | 3,525 |
| Cost of funding earning assets | 0.5373% | 2,718 |
| Net interest margin | 3.5438% | 3,485 |
| Noninterest income to average assets | 0.3135% | 4,079 |
| Noninterest expense to average assets | 1.7764% | 5,121 |
| Loan and lease loss provision to assets | 0.0617% | 2,670 |
| Net operating income to assets | 1.3311% | 1,659 |
| Return on assets (ROA) | 1.3272% | 1,676 |
| Pretax return on assets | 1.7805% | 1,007 |
| Return on Equity (ROE) | 9.2041% | 2,929 |
| Retained earnings to average equity (ytd only) | 3.7832% | 3,706 |
| Net charge-offs to loans | 0.0023% | 3,122 |
| Credit loss provision to net charge-offs | 3,750.0000% | 105 |
| Earnings coverage of net charge-offs (x) | 1,122.5000% | 70 |
| Efficiency ratio | 49.0236% | 5,075 |
| Assets per employee ($millions) | 6.7614% | 1,032 |
| Cash dividends to net income (ytd only)* | 58.8965% | 1,363 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9288% | 600 |
| Loan loss allowance to noncurrent loans | 3,188.4615% | 229 |
| Noncurrent assets plus other real estate owned to assets | 0.0460% | 4,796 |
| Noncurrent loans to loans | 0.0605% | 4,649 |
| Net loans and leases to total assets | 69.2660% | 2,681 |
| Net loans and leases to deposits | 84.0622% | 2,529 |
| Net loans and leases to core deposits | 93.9015% | 2,225 |
| Total domestic deposits to total assets | 82.3985% | 3,593 |
| Equity capital to assets | 14.4648% | 813 |
| Core capital (leverage) ratio | 14.7574% | 725 |
| Tier 1 risk-based capital ratio | 20.3819% | 1,260 |
| Total risk-based capital ratio | 21.6358% | 1,237 |
| Memoranda: | ||
| Average total assets | $243,073,330 | 2,546 |
| Average earning assets | $227,047,000 | 2,535 |
| Average equity | $35,049,670 | 2,086 |
| Average total loans | $173,076,670 | 2,419 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9115% | 3,898 |
| Cost of funding earning assets | 0.5043% | 2,761 |
| Net interest margin | 3.4072% | 3,861 |
| Noninterest income to average assets | 0.2981% | 4,169 |
| Noninterest expense to average assets | 1.6797% | 5,262 |
| Loan and lease loss provision to assets | 0.0494% | 2,791 |
| Net operating income to assets | 1.2923% | 1,668 |
| Return on assets (ROA) | 1.2845% | 1,702 |
| Pretax return on assets | 1.7521% | 995 |
| Return on Equity (ROE) | 8.9219% | 2,943 |
| Retained earnings to average equity (ytd only) | 4.3466% | 3,445 |
| Net charge-offs to loans | 0.0046% | 2,571 |
| Credit loss provision to net charge-offs | 1,500.0000% | 238 |
| Earnings coverage of net charge-offs (x) | 550.0000% | 114 |
| Efficiency ratio | 48.1132% | 5,190 |
| Assets per employee ($millions) | 6.5896% | 1,155 |
| Cash dividends to net income (ytd only)* | 51.2821% | 1,489 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8780% | 689 |
| Loan loss allowance to noncurrent loans | 2,946.8468% | 243 |
| Noncurrent assets plus other real estate owned to assets | 0.1096% | 4,547 |
| Noncurrent loans to loans | 0.0637% | 4,690 |
| Net loans and leases to total assets | 72.0423% | 2,162 |
| Net loans and leases to deposits | 88.2554% | 1,898 |
| Net loans and leases to core deposits | 97.4039% | 1,874 |
| Total domestic deposits to total assets | 81.6293% | 4,058 |
| Equity capital to assets | 14.7336% | 730 |
| Core capital (leverage) ratio | 14.6420% | 732 |
| Tier 1 risk-based capital ratio | 19.9022% | 1,362 |
| Total risk-based capital ratio | 21.1598% | 1,331 |
| Memoranda: | ||
| Average total assets | $242,904,500 | 2,568 |
| Average earning assets | $227,635,500 | 2,557 |
| Average equity | $34,970,000 | 2,101 |
| Average total loans | $173,656,500 | 2,430 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9502% | 3,569 |
| Cost of funding earning assets | 0.4131% | 3,124 |
| Net interest margin | 3.5371% | 3,393 |
| Noninterest income to average assets | 0.3476% | 3,980 |
| Noninterest expense to average assets | 1.8066% | 5,236 |
| Loan and lease loss provision to assets | -0.1956% | 5,571 |
| Net operating income to assets | 1.3170% | 1,184 |
| Return on assets (ROA) | 1.2921% | 1,264 |
| Pretax return on assets | 2.0022% | 488 |
| Return on Equity (ROE) | 9.3110% | 2,175 |
| Retained earnings to average equity (ytd only) | 9.3110% | 456 |
| Net charge-offs to loans | -0.0121% | 4,837 |
| Credit loss provision to net charge-offs | 2,350.0000% | 162 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 49.4756% | 5,246 |
| Assets per employee ($millions) | 7.1024% | 930 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8725% | 683 |
| Loan loss allowance to noncurrent loans | 2,747.4576% | 285 |
| Noncurrent assets plus other real estate owned to assets | 0.1074% | 4,595 |
| Noncurrent loans to loans | 0.0682% | 4,691 |
| Net loans and leases to total assets | 68.3462% | 2,774 |
| Net loans and leases to deposits | 82.5701% | 2,659 |
| Net loans and leases to core deposits | 98.1389% | 1,852 |
| Total domestic deposits to total assets | 82.7736% | 3,638 |
| Equity capital to assets | 14.0750% | 885 |
| Core capital (leverage) ratio | 14.1305% | 808 |
| Tier 1 risk-based capital ratio | 19.6425% | 1,393 |
| Total risk-based capital ratio | 20.8996% | 1,359 |
| Memoranda: | ||
| Average total assets | $240,234,400 | 2,563 |
| Average earning assets | $224,391,800 | 2,553 |
| Average equity | $33,337,000 | 2,159 |
| Average total loans | $165,247,800 | 2,474 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9292% | 3,586 |
| Cost of funding earning assets | 0.3946% | 3,253 |
| Net interest margin | 3.5346% | 3,372 |
| Noninterest income to average assets | 0.3505% | 4,025 |
| Noninterest expense to average assets | 1.8515% | 5,200 |
| Loan and lease loss provision to assets | 0.0168% | 3,808 |
| Net operating income to assets | 1.2441% | 1,534 |
| Return on assets (ROA) | 1.2692% | 1,466 |
| Pretax return on assets | 1.8179% | 849 |
| Return on Equity (ROE) | 9.1804% | 2,509 |
| Retained earnings to average equity (ytd only) | 9.1804% | 793 |
| Net charge-offs to loans | -0.0147% | 4,751 |
| Credit loss provision to net charge-offs | -166.6667% | 4,591 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.7209% | 5,196 |
| Assets per employee ($millions) | 6.8717% | 998 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1980% | 405 |
| Loan loss allowance to noncurrent loans | 2,969.0476% | 246 |
| Noncurrent assets plus other real estate owned to assets | 0.1160% | 4,667 |
| Noncurrent loans to loans | 0.0740% | 4,780 |
| Net loans and leases to total assets | 69.2100% | 2,666 |
| Net loans and leases to deposits | 83.8955% | 2,569 |
| Net loans and leases to core deposits | 92.4196% | 2,399 |
| Total domestic deposits to total assets | 82.4955% | 3,630 |
| Equity capital to assets | 14.2231% | 931 |
| Core capital (leverage) ratio | 14.1329% | 858 |
| Tier 1 risk-based capital ratio | 19.5973% | 1,456 |
| Total risk-based capital ratio | 20.8586% | 1,420 |
| Memoranda: | ||
| Average total assets | $238,147,250 | 2,596 |
| Average earning assets | $222,329,750 | 2,582 |
| Average equity | $32,924,250 | 2,188 |
| Average total loans | $163,275,000 | 2,513 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8473% | 3,728 |
| Cost of funding earning assets | 0.3648% | 3,429 |
| Net interest margin | 3.4826% | 3,465 |
| Noninterest income to average assets | 0.3286% | 4,194 |
| Noninterest expense to average assets | 1.8537% | 5,255 |
| Loan and lease loss provision to assets | 0.0253% | 3,494 |
| Net operating income to assets | 1.1805% | 1,663 |
| Return on assets (ROA) | 1.2049% | 1,615 |
| Pretax return on assets | 1.7349% | 975 |
| Return on Equity (ROE) | 8.8010% | 2,606 |
| Retained earnings to average equity (ytd only) | 8.8010% | 901 |
| Net charge-offs to loans | -0.0149% | 4,664 |
| Credit loss provision to net charge-offs | -250.0000% | 4,509 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 51.8013% | 5,196 |
| Assets per employee ($millions) | 6.6083% | 1,093 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2877% | 380 |
| Loan loss allowance to noncurrent loans | 2,807.5188% | 242 |
| Noncurrent assets plus other real estate owned to assets | 0.1166% | 4,736 |
| Noncurrent loans to loans | 0.0815% | 4,809 |
| Net loans and leases to total assets | 65.2277% | 3,225 |
| Net loans and leases to deposits | 78.8919% | 3,032 |
| Net loans and leases to core deposits | 87.0078% | 2,795 |
| Total domestic deposits to total assets | 82.6799% | 3,661 |
| Equity capital to assets | 13.6740% | 1,078 |
| Core capital (leverage) ratio | 14.0149% | 863 |
| Tier 1 risk-based capital ratio | 19.4502% | 1,488 |
| Total risk-based capital ratio | 20.7120% | 1,437 |
| Memoranda: | ||
| Average total assets | $237,359,670 | 2,620 |
| Average earning assets | $221,503,670 | 2,607 |
| Average equity | $32,496,330 | 2,204 |
| Average total loans | $160,967,330 | 2,547 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8512% | 3,578 |
| Cost of funding earning assets | 0.3356% | 3,691 |
| Net interest margin | 3.5156% | 3,219 |
| Noninterest income to average assets | 0.3148% | 4,296 |
| Noninterest expense to average assets | 1.8718% | 5,273 |
| Loan and lease loss provision to assets | 0.0513% | 2,783 |
| Net operating income to assets | 1.1662% | 1,610 |
| Return on assets (ROA) | 1.1806% | 1,595 |
| Pretax return on assets | 1.6921% | 1,028 |
| Return on Equity (ROE) | 8.6176% | 2,608 |
| Retained earnings to average equity (ytd only) | 8.6176% | 1,229 |
| Net charge-offs to loans | 0.0025% | 2,882 |
| Credit loss provision to net charge-offs | 3,000.0000% | 109 |
| Earnings coverage of net charge-offs (x) | 1,007.0000% | 43 |
| Efficiency ratio | 52.0704% | 5,261 |
| Assets per employee ($millions) | 6.4215% | 1,222 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3095% | 409 |
| Loan loss allowance to noncurrent loans | 2,716.0584% | 271 |
| Noncurrent assets plus other real estate owned to assets | 0.1221% | 4,772 |
| Noncurrent loans to loans | 0.0850% | 4,857 |
| Net loans and leases to total assets | 66.2449% | 2,935 |
| Net loans and leases to deposits | 86.5420% | 1,969 |
| Net loans and leases to core deposits | 94.5213% | 1,936 |
| Total domestic deposits to total assets | 76.5465% | 5,170 |
| Equity capital to assets | 13.6527% | 1,018 |
| Core capital (leverage) ratio | 13.9869% | 848 |
| Tier 1 risk-based capital ratio | 19.1942% | 1,564 |
| Total risk-based capital ratio | 20.4560% | 1,528 |
| Memoranda: | ||
| Average total assets | $233,785,500 | 2,675 |
| Average earning assets | $218,114,000 | 2,657 |
| Average equity | $32,027,500 | 2,236 |
| Average total loans | $159,840,500 | 2,580 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9727% | 3,303 |
| Cost of funding earning assets | 0.2938% | 4,134 |
| Net interest margin | 3.6788% | 2,776 |
| Noninterest income to average assets | 0.3819% | 4,021 |
| Noninterest expense to average assets | 1.8715% | 5,398 |
| Loan and lease loss provision to assets | 0.1151% | 2,145 |
| Net operating income to assets | 1.2356% | 1,396 |
| Return on assets (ROA) | 1.2490% | 1,439 |
| Pretax return on assets | 1.8383% | 718 |
| Return on Equity (ROE) | 9.1963% | 2,317 |
| Retained earnings to average equity (ytd only) | 7.5857% | 1,003 |
| Net charge-offs to loans | 0.1541% | 1,726 |
| Credit loss provision to net charge-offs | 110.0418% | 2,376 |
| Earnings coverage of net charge-offs (x) | 18.4937% | 1,968 |
| Efficiency ratio | 49.1837% | 5,521 |
| Assets per employee ($millions) | 6.5708% | 1,113 |
| Cash dividends to net income (ytd only)* | 17.5131% | 3,807 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3290% | 384 |
| Loan loss allowance to noncurrent loans | 2,637.8571% | 268 |
| Noncurrent assets plus other real estate owned to assets | 0.1948% | 4,542 |
| Noncurrent loans to loans | 0.0883% | 4,884 |
| Net loans and leases to total assets | 67.3428% | 2,880 |
| Net loans and leases to deposits | 82.8752% | 2,560 |
| Net loans and leases to core deposits | 88.7163% | 2,607 |
| Total domestic deposits to total assets | 81.2581% | 4,270 |
| Equity capital to assets | 13.7479% | 971 |
| Core capital (leverage) ratio | 14.1289% | 789 |
| Tier 1 risk-based capital ratio | 19.1553% | 1,557 |
| Total risk-based capital ratio | 20.4171% | 1,517 |
| Memoranda: | ||
| Average total assets | $228,585,400 | 2,679 |
| Average earning assets | $212,702,400 | 2,673 |
| Average equity | $31,045,200 | 2,289 |
| Average total loans | $155,128,400 | 2,578 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9855% | 3,282 |
| Cost of funding earning assets | 0.2934% | 4,175 |
| Net interest margin | 3.6921% | 2,747 |
| Noninterest income to average assets | 0.3423% | 4,335 |
| Noninterest expense to average assets | 1.8542% | 5,455 |
| Loan and lease loss provision to assets | 0.0923% | 2,386 |
| Net operating income to assets | 1.2457% | 1,471 |
| Return on assets (ROA) | 1.2636% | 1,498 |
| Pretax return on assets | 1.8547% | 792 |
| Return on Equity (ROE) | 9.3324% | 2,345 |
| Retained earnings to average equity (ytd only) | 7.1751% | 1,539 |
| Net charge-offs to loans | 0.0545% | 2,584 |
| Credit loss provision to net charge-offs | 250.7937% | 1,194 |
| Earnings coverage of net charge-offs (x) | 52.1892% | 1,038 |
| Efficiency ratio | 49.1179% | 5,550 |
| Assets per employee ($millions) | 6.4888% | 1,117 |
| Cash dividends to net income (ytd only)* | 23.1160% | 3,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3883% | 387 |
| Loan loss allowance to noncurrent loans | 1,766.1972% | 355 |
| Noncurrent assets plus other real estate owned to assets | 0.3113% | 4,160 |
| Noncurrent loans to loans | 0.1352% | 4,801 |
| Net loans and leases to total assets | 67.7027% | 2,835 |
| Net loans and leases to deposits | 88.4837% | 1,953 |
| Net loans and leases to core deposits | 94.1701% | 2,181 |
| Total domestic deposits to total assets | 76.5144% | 5,166 |
| Equity capital to assets | 13.9202% | 1,072 |
| Core capital (leverage) ratio | 13.6550% | 955 |
| Tier 1 risk-based capital ratio | 18.9098% | 1,690 |
| Total risk-based capital ratio | 20.1727% | 1,651 |
| Memoranda: | ||
| Average total assets | $228,237,500 | 2,686 |
| Average earning assets | $212,198,250 | 2,684 |
| Average equity | $30,902,250 | 2,307 |
| Average total loans | $154,269,000 | 2,588 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9590% | 3,386 |
| Cost of funding earning assets | 0.2923% | 4,220 |
| Net interest margin | 3.6667% | 2,833 |
| Noninterest income to average assets | 0.3044% | 4,613 |
| Noninterest expense to average assets | 1.8494% | 5,536 |
| Loan and lease loss provision to assets | 0.0857% | 2,432 |
| Net operating income to assets | 1.2050% | 1,579 |
| Return on assets (ROA) | 1.2318% | 1,591 |
| Pretax return on assets | 1.8214% | 843 |
| Return on Equity (ROE) | 9.1831% | 2,414 |
| Retained earnings to average equity (ytd only) | 9.1831% | 802 |
| Net charge-offs to loans | 0.0809% | 2,039 |
| Credit loss provision to net charge-offs | 158.0645% | 1,535 |
| Earnings coverage of net charge-offs (x) | 34.4355% | 1,276 |
| Efficiency ratio | 49.7529% | 5,577 |
| Assets per employee ($millions) | 6.7860% | 961 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3065% | 464 |
| Loan loss allowance to noncurrent loans | 1,073.3333% | 554 |
| Noncurrent assets plus other real estate owned to assets | 0.2830% | 4,360 |
| Noncurrent loans to loans | 0.2149% | 4,581 |
| Net loans and leases to total assets | 67.9778% | 2,778 |
| Net loans and leases to deposits | 89.0227% | 1,865 |
| Net loans and leases to core deposits | 94.3813% | 2,128 |
| Total domestic deposits to total assets | 76.3601% | 5,241 |
| Equity capital to assets | 13.6605% | 1,158 |
| Core capital (leverage) ratio | 13.7238% | 896 |
| Tier 1 risk-based capital ratio | 18.1205% | 1,900 |
| Total risk-based capital ratio | 19.3819% | 1,865 |
| Memoranda: | ||
| Average total assets | $228,613,670 | 2,690 |
| Average earning assets | $212,780,330 | 2,686 |
| Average equity | $30,665,000 | 2,326 |
| Average total loans | $153,185,000 | 2,612 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0804% | 2,926 |
| Cost of funding earning assets | 0.2850% | 4,333 |
| Net interest margin | 3.7954% | 2,302 |
| Noninterest income to average assets | 0.3041% | 4,549 |
| Noninterest expense to average assets | 1.7683% | 5,683 |
| Loan and lease loss provision to assets | 0.0668% | 2,628 |
| Net operating income to assets | 1.3171% | 1,215 |
| Return on assets (ROA) | 1.3693% | 1,161 |
| Pretax return on assets | 2.0830% | 484 |
| Return on Equity (ROE) | 10.3047% | 1,850 |
| Retained earnings to average equity (ytd only) | 10.3047% | 786 |
| Net charge-offs to loans | -0.0027% | 4,160 |
| Credit loss provision to net charge-offs | -3,800.0000% | 4,988 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 46.0623% | 5,811 |
| Assets per employee ($millions) | 6.1048% | 1,338 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4510% | 408 |
| Loan loss allowance to noncurrent loans | 705.9048% | 774 |
| Noncurrent assets plus other real estate owned to assets | 0.3936% | 4,016 |
| Noncurrent loans to loans | 0.3472% | 4,190 |
| Net loans and leases to total assets | 67.1121% | 2,795 |
| Net loans and leases to deposits | 83.9432% | 2,309 |
| Net loans and leases to core deposits | 91.8240% | 2,202 |
| Total domestic deposits to total assets | 79.9494% | 4,758 |
| Equity capital to assets | 13.9498% | 1,001 |
| Core capital (leverage) ratio | 13.7010% | 909 |
| Tier 1 risk-based capital ratio | 18.4741% | 1,857 |
| Total risk-based capital ratio | 19.7366% | 1,815 |
| Memoranda: | ||
| Average total assets | $227,558,500 | 2,714 |
| Average earning assets | $211,942,000 | 2,697 |
| Average equity | $30,238,500 | 2,354 |
| Average total loans | $149,505,500 | 2,656 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9420% | 3,558 |
| Cost of funding earning assets | 0.3205% | 4,024 |
| Net interest margin | 3.6215% | 3,053 |
| Noninterest income to average assets | 0.3793% | 4,188 |
| Noninterest expense to average assets | 1.9400% | 5,559 |
| Loan and lease loss provision to assets | 0.0520% | 3,277 |
| Net operating income to assets | 1.1732% | 1,658 |
| Return on assets (ROA) | 1.1832% | 1,690 |
| Pretax return on assets | 1.7687% | 858 |
| Return on Equity (ROE) | 9.0786% | 2,419 |
| Retained earnings to average equity (ytd only) | 7.3441% | 1,149 |
| Net charge-offs to loans | 0.0874% | 2,574 |
| Credit loss provision to net charge-offs | 89.8438% | 2,763 |
| Earnings coverage of net charge-offs (x) | 31.2031% | 1,411 |
| Efficiency ratio | 51.7924% | 5,647 |
| Assets per employee ($millions) | 6.5373% | 1,081 |
| Cash dividends to net income (ytd only)* | 19.1058% | 3,810 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4816% | 406 |
| Loan loss allowance to noncurrent loans | 851.0441% | 678 |
| Noncurrent assets plus other real estate owned to assets | 0.3314% | 4,254 |
| Noncurrent loans to loans | 0.2916% | 4,415 |
| Net loans and leases to total assets | 61.2476% | 3,656 |
| Net loans and leases to deposits | 70.7758% | 3,831 |
| Net loans and leases to core deposits | 73.5801% | 3,982 |
| Total domestic deposits to total assets | 86.5375% | 2,358 |
| Equity capital to assets | 12.6704% | 1,521 |
| Core capital (leverage) ratio | 12.8557% | 1,205 |
| Tier 1 risk-based capital ratio | 18.0737% | 1,943 |
| Total risk-based capital ratio | 19.3406% | 1,897 |
| Memoranda: | ||
| Average total assets | $221,181,800 | 2,735 |
| Average earning assets | $205,607,800 | 2,715 |
| Average equity | $28,826,000 | 2,401 |
| Average total loans | $146,415,800 | 2,645 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9191% | 3,690 |
| Cost of funding earning assets | 0.3346% | 3,925 |
| Net interest margin | 3.5844% | 3,221 |
| Noninterest income to average assets | 0.3878% | 4,169 |
| Noninterest expense to average assets | 1.9457% | 5,575 |
| Loan and lease loss provision to assets | 0.0410% | 3,386 |
| Net operating income to assets | 1.1574% | 1,809 |
| Return on assets (ROA) | 1.1664% | 1,841 |
| Pretax return on assets | 1.7417% | 1,008 |
| Return on Equity (ROE) | 8.8831% | 2,638 |
| Retained earnings to average equity (ytd only) | 6.5504% | 1,925 |
| Net charge-offs to loans | 0.0009% | 4,165 |
| Credit loss provision to net charge-offs | 6,700.0000% | 57 |
| Earnings coverage of net charge-offs (x) | 2,895.1654% | 14 |
| Efficiency ratio | 52.3747% | 5,625 |
| Assets per employee ($millions) | 6.0592% | 1,335 |
| Cash dividends to net income (ytd only)* | 26.2605% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4262% | 484 |
| Loan loss allowance to noncurrent loans | 963.2391% | 599 |
| Noncurrent assets plus other real estate owned to assets | 0.3292% | 4,449 |
| Noncurrent loans to loans | 0.2519% | 4,669 |
| Net loans and leases to total assets | 67.2168% | 2,816 |
| Net loans and leases to deposits | 84.5892% | 2,330 |
| Net loans and leases to core deposits | 94.9810% | 1,980 |
| Total domestic deposits to total assets | 79.4626% | 4,871 |
| Equity capital to assets | 12.9978% | 1,446 |
| Core capital (leverage) ratio | 12.6096% | 1,357 |
| Tier 1 risk-based capital ratio | 16.6797% | 2,487 |
| Total risk-based capital ratio | 17.9457% | 2,441 |
| Memoranda: | ||
| Average total assets | $217,641,500 | 2,789 |
| Average earning assets | $202,016,500 | 2,779 |
| Average equity | $28,577,750 | 2,431 |
| Average total loans | $146,067,250 | 2,662 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8876% | 3,739 |
| Cost of funding earning assets | 0.3522% | 3,779 |
| Net interest margin | 3.5354% | 3,357 |
| Noninterest income to average assets | 0.4103% | 4,004 |
| Noninterest expense to average assets | 1.9252% | 5,670 |
| Loan and lease loss provision to assets | 0.0418% | 3,275 |
| Net operating income to assets | 1.1593% | 1,749 |
| Return on assets (ROA) | 1.1687% | 1,778 |
| Pretax return on assets | 1.7460% | 990 |
| Return on Equity (ROE) | 8.8692% | 2,625 |
| Retained earnings to average equity (ytd only) | 8.8692% | 973 |
| Net charge-offs to loans | -0.0042% | 4,700 |
| Credit loss provision to net charge-offs | -1,500.0000% | 5,428 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.0452% | 5,714 |
| Assets per employee ($millions) | 5.9039% | 1,429 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4886% | 491 |
| Loan loss allowance to noncurrent loans | 944.0506% | 590 |
| Noncurrent assets plus other real estate owned to assets | 0.4267% | 4,211 |
| Noncurrent loans to loans | 0.2636% | 4,728 |
| Net loans and leases to total assets | 66.8888% | 2,803 |
| Net loans and leases to deposits | 79.9661% | 2,785 |
| Net loans and leases to core deposits | 88.6673% | 2,489 |
| Total domestic deposits to total assets | 83.6465% | 3,715 |
| Equity capital to assets | 13.2135% | 1,295 |
| Core capital (leverage) ratio | 12.6879% | 1,298 |
| Tier 1 risk-based capital ratio | 16.8120% | 2,483 |
| Total risk-based capital ratio | 18.0778% | 2,431 |
| Memoranda: | ||
| Average total assets | $215,458,330 | 2,830 |
| Average earning assets | $200,432,330 | 2,812 |
| Average equity | $28,390,330 | 2,459 |
| Average total loans | $143,276,000 | 2,711 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8102% | 3,971 |
| Cost of funding earning assets | 0.3608% | 3,742 |
| Net interest margin | 3.4494% | 3,630 |
| Noninterest income to average assets | 0.4262% | 3,792 |
| Noninterest expense to average assets | 1.8526% | 5,818 |
| Loan and lease loss provision to assets | 0.0430% | 3,052 |
| Net operating income to assets | 1.1677% | 1,638 |
| Return on assets (ROA) | 1.1778% | 1,713 |
| Pretax return on assets | 1.7629% | 933 |
| Return on Equity (ROE) | 8.9509% | 2,467 |
| Retained earnings to average equity (ytd only) | 8.9509% | 1,212 |
| Net charge-offs to loans | -0.0086% | 4,658 |
| Credit loss provision to net charge-offs | -766.6667% | 4,927 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 50.8466% | 5,864 |
| Assets per employee ($millions) | 6.0744% | 1,350 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6100% | 456 |
| Loan loss allowance to noncurrent loans | 1,442.4125% | 400 |
| Noncurrent assets plus other real estate owned to assets | 0.3194% | 4,706 |
| Noncurrent loans to loans | 0.1809% | 5,131 |
| Net loans and leases to total assets | 65.0627% | 2,925 |
| Net loans and leases to deposits | 80.2751% | 2,530 |
| Net loans and leases to core deposits | 88.2795% | 2,300 |
| Total domestic deposits to total assets | 81.0497% | 4,811 |
| Equity capital to assets | 13.4038% | 1,217 |
| Core capital (leverage) ratio | 12.9517% | 1,171 |
| Tier 1 risk-based capital ratio | 17.2970% | 2,380 |
| Total risk-based capital ratio | 18.5605% | 2,331 |
| Memoranda: | ||
| Average total assets | $213,966,000 | 2,860 |
| Average earning assets | $199,568,500 | 2,841 |
| Average equity | $28,153,500 | 2,491 |
| Average total loans | $139,992,500 | 2,755 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0076% | 3,704 |
| Cost of funding earning assets | 0.4935% | 2,729 |
| Net interest margin | 3.5141% | 3,738 |
| Noninterest income to average assets | 0.3963% | 4,207 |
| Noninterest expense to average assets | 2.0857% | 5,607 |
| Loan and lease loss provision to assets | 0.0791% | 2,903 |
| Net operating income to assets | 1.0363% | 2,232 |
| Return on assets (ROA) | 1.0512% | 2,225 |
| Pretax return on assets | 1.4845% | 1,601 |
| Return on Equity (ROE) | 7.9947% | 3,140 |
| Retained earnings to average equity (ytd only) | 5.1851% | 2,475 |
| Net charge-offs to loans | 0.0763% | 3,393 |
| Credit loss provision to net charge-offs | 152.8302% | 1,586 |
| Earnings coverage of net charge-offs (x) | 29.8208% | 1,340 |
| Efficiency ratio | 57.4849% | 5,517 |
| Assets per employee ($millions) | 5.8197% | 1,512 |
| Cash dividends to net income (ytd only)* | 35.1439% | 3,109 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6683% | 442 |
| Loan loss allowance to noncurrent loans | 758.9691% | 762 |
| Noncurrent assets plus other real estate owned to assets | 0.4212% | 4,418 |
| Noncurrent loans to loans | 0.3516% | 4,606 |
| Net loans and leases to total assets | 62.3565% | 3,457 |
| Net loans and leases to deposits | 72.4055% | 3,628 |
| Net loans and leases to core deposits | 77.4915% | 3,566 |
| Total domestic deposits to total assets | 86.1212% | 2,770 |
| Equity capital to assets | 12.9152% | 1,408 |
| Core capital (leverage) ratio | 13.2036% | 1,060 |
| Tier 1 risk-based capital ratio | 18.1945% | 2,084 |
| Total risk-based capital ratio | 19.4762% | 2,031 |
| Memoranda: | ||
| Average total assets | $204,918,400 | 2,933 |
| Average earning assets | $188,467,400 | 2,931 |
| Average equity | $26,942,800 | 2,495 |
| Average total loans | $138,915,600 | 2,725 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0990% | 3,379 |
| Cost of funding earning assets | 0.5081% | 2,682 |
| Net interest margin | 3.5909% | 3,464 |
| Noninterest income to average assets | 0.4191% | 4,104 |
| Noninterest expense to average assets | 2.0917% | 5,588 |
| Loan and lease loss provision to assets | 0.1068% | 2,258 |
| Net operating income to assets | 1.0320% | 2,314 |
| Return on assets (ROA) | 1.0333% | 2,369 |
| Pretax return on assets | 1.5105% | 1,614 |
| Return on Equity (ROE) | 7.8224% | 3,302 |
| Retained earnings to average equity (ytd only) | 4.0459% | 3,768 |
| Net charge-offs to loans | 0.0057% | 4,492 |
| Credit loss provision to net charge-offs | 2,700.0000% | 143 |
| Earnings coverage of net charge-offs (x) | 408.4900% | 178 |
| Efficiency ratio | 56.4267% | 5,620 |
| Assets per employee ($millions) | 5.5280% | 1,701 |
| Cash dividends to net income (ytd only)* | 48.2783% | 1,925 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7895% | 442 |
| Loan loss allowance to noncurrent loans | 722.9446% | 731 |
| Noncurrent assets plus other real estate owned to assets | 0.4749% | 4,472 |
| Noncurrent loans to loans | 0.3859% | 4,757 |
| Net loans and leases to total assets | 66.2102% | 2,821 |
| Net loans and leases to deposits | 77.9423% | 2,959 |
| Net loans and leases to core deposits | 82.9705% | 3,006 |
| Total domestic deposits to total assets | 84.9478% | 3,358 |
| Equity capital to assets | 13.6925% | 1,113 |
| Core capital (leverage) ratio | 13.2238% | 1,090 |
| Tier 1 risk-based capital ratio | 18.5634% | 2,030 |
| Total risk-based capital ratio | 19.8485% | 1,986 |
| Memoranda: | ||
| Average total assets | $202,316,000 | 2,987 |
| Average earning assets | $185,243,000 | 2,995 |
| Average equity | $26,726,000 | 2,519 |
| Average total loans | $139,156,500 | 2,742 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0891% | 3,393 |
| Cost of funding earning assets | 0.5137% | 2,690 |
| Net interest margin | 3.5754% | 3,462 |
| Noninterest income to average assets | 0.4208% | 4,089 |
| Noninterest expense to average assets | 2.0696% | 5,687 |
| Loan and lease loss provision to assets | 0.1593% | 1,562 |
| Net operating income to assets | 1.0067% | 2,294 |
| Return on assets (ROA) | 1.0255% | 2,284 |
| Pretax return on assets | 1.4974% | 1,543 |
| Return on Equity (ROE) | 7.8564% | 3,182 |
| Retained earnings to average equity (ytd only) | 2.1543% | 4,817 |
| Net charge-offs to loans | 0.1111% | 2,549 |
| Credit loss provision to net charge-offs | 207.6923% | 1,130 |
| Earnings coverage of net charge-offs (x) | 21.2436% | 1,553 |
| Efficiency ratio | 55.9543% | 5,749 |
| Assets per employee ($millions) | 5.8650% | 1,374 |
| Cash dividends to net income (ytd only)* | 72.5791% | 1,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6910% | 542 |
| Loan loss allowance to noncurrent loans | 488.6693% | 948 |
| Noncurrent assets plus other real estate owned to assets | 0.5257% | 4,425 |
| Noncurrent loans to loans | 0.5507% | 4,363 |
| Net loans and leases to total assets | 63.5228% | 3,154 |
| Net loans and leases to deposits | 75.7927% | 3,081 |
| Net loans and leases to core deposits | 82.1761% | 2,953 |
| Total domestic deposits to total assets | 83.8112% | 3,993 |
| Equity capital to assets | 12.6655% | 1,559 |
| Core capital (leverage) ratio | 13.1309% | 1,116 |
| Tier 1 risk-based capital ratio | 17.6602% | 2,364 |
| Total risk-based capital ratio | 18.9419% | 2,321 |
| Memoranda: | ||
| Average total assets | $203,419,000 | 2,990 |
| Average earning assets | $186,495,330 | 2,996 |
| Average equity | $26,551,670 | 2,520 |
| Average total loans | $140,360,670 | 2,723 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0894% | 3,322 |
| Cost of funding earning assets | 0.5255% | 2,653 |
| Net interest margin | 3.5639% | 3,412 |
| Noninterest income to average assets | 0.4590% | 3,720 |
| Noninterest expense to average assets | 2.0545% | 5,779 |
| Loan and lease loss provision to assets | 0.1624% | 1,500 |
| Net operating income to assets | 1.0531% | 1,998 |
| Return on assets (ROA) | 1.0804% | 1,961 |
| Pretax return on assets | 1.5855% | 1,203 |
| Return on Equity (ROE) | 8.1492% | 2,865 |
| Retained earnings to average equity (ytd only) | 4.2636% | 3,565 |
| Net charge-offs to loans | -0.0113% | 5,097 |
| Credit loss provision to net charge-offs | -2,025.0000% | 5,472 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.6084% | 5,963 |
| Assets per employee ($millions) | 5.3698% | 1,836 |
| Cash dividends to net income (ytd only)* | 47.6809% | 1,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6804% | 645 |
| Loan loss allowance to noncurrent loans | 309.7663% | 1,450 |
| Noncurrent assets plus other real estate owned to assets | 0.9055% | 3,470 |
| Noncurrent loans to loans | 0.8653% | 3,730 |
| Net loans and leases to total assets | 67.8173% | 2,254 |
| Net loans and leases to deposits | 81.9302% | 2,049 |
| Net loans and leases to core deposits | 93.5987% | 1,585 |
| Total domestic deposits to total assets | 82.7744% | 4,678 |
| Equity capital to assets | 13.4160% | 1,132 |
| Core capital (leverage) ratio | 13.3605% | 1,017 |
| Tier 1 risk-based capital ratio | 17.8254% | 2,366 |
| Total risk-based capital ratio | 19.1083% | 2,329 |
| Memoranda: | ||
| Average total assets | $199,558,500 | 3,055 |
| Average earning assets | $184,967,000 | 3,036 |
| Average equity | $26,456,500 | 2,516 |
| Average total loans | $141,625,500 | 2,712 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4109% | 2,544 |
| Cost of funding earning assets | 0.5832% | 2,803 |
| Net interest margin | 3.8277% | 2,544 |
| Noninterest income to average assets | 0.6545% | 2,784 |
| Noninterest expense to average assets | 2.2636% | 5,472 |
| Loan and lease loss provision to assets | 0.1937% | 1,913 |
| Net operating income to assets | 1.1959% | 1,584 |
| Return on assets (ROA) | 1.3028% | 1,284 |
| Pretax return on assets | 1.8747% | 640 |
| Return on Equity (ROE) | 9.6540% | 2,260 |
| Retained earnings to average equity (ytd only) | 5.8261% | 2,080 |
| Net charge-offs to loans | 0.2253% | 2,657 |
| Credit loss provision to net charge-offs | 122.1498% | 1,945 |
| Earnings coverage of net charge-offs (x) | 12.0651% | 2,170 |
| Efficiency ratio | 54.1924% | 6,117 |
| Assets per employee ($millions) | 5.5677% | 1,592 |
| Cash dividends to net income (ytd only)* | 39.6511% | 2,822 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5035% | 823 |
| Loan loss allowance to noncurrent loans | 293.0477% | 1,522 |
| Noncurrent assets plus other real estate owned to assets | 0.9519% | 3,518 |
| Noncurrent loans to loans | 0.8543% | 3,843 |
| Net loans and leases to total assets | 70.4340% | 1,948 |
| Net loans and leases to deposits | 87.7545% | 1,493 |
| Net loans and leases to core deposits | 96.2719% | 1,430 |
| Total domestic deposits to total assets | 80.2625% | 5,383 |
| Equity capital to assets | 13.1004% | 1,229 |
| Core capital (leverage) ratio | 13.0729% | 1,112 |
| Tier 1 risk-based capital ratio | 16.4837% | 2,862 |
| Total risk-based capital ratio | 17.8072% | 2,794 |
| Memoranda: | ||
| Average total assets | $193,581,200 | 3,103 |
| Average earning assets | $178,150,200 | 3,097 |
| Average equity | $26,124,000 | 2,531 |
| Average total loans | $136,242,400 | 2,758 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4588% | 2,386 |
| Cost of funding earning assets | 0.5849% | 2,951 |
| Net interest margin | 3.8739% | 2,366 |
| Noninterest income to average assets | 0.6852% | 2,701 |
| Noninterest expense to average assets | 2.2703% | 5,435 |
| Loan and lease loss provision to assets | 0.1564% | 2,305 |
| Net operating income to assets | 1.2270% | 1,541 |
| Return on assets (ROA) | 1.3620% | 1,243 |
| Pretax return on assets | 2.0180% | 557 |
| Return on Equity (ROE) | 10.0162% | 2,175 |
| Retained earnings to average equity (ytd only) | 8.7386% | 1,144 |
| Net charge-offs to loans | 0.3132% | 1,974 |
| Credit loss provision to net charge-offs | 71.4286% | 3,043 |
| Earnings coverage of net charge-offs (x) | 9.0127% | 2,538 |
| Efficiency ratio | 53.5047% | 6,146 |
| Assets per employee ($millions) | 5.4592% | 1,670 |
| Cash dividends to net income (ytd only)* | 12.7553% | 3,370 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4743% | 963 |
| Loan loss allowance to noncurrent loans | 355.2254% | 1,194 |
| Noncurrent assets plus other real estate owned to assets | 0.7951% | 4,114 |
| Noncurrent loans to loans | 0.6965% | 4,459 |
| Net loans and leases to total assets | 67.6530% | 2,343 |
| Net loans and leases to deposits | 82.2126% | 2,114 |
| Net loans and leases to core deposits | 97.1789% | 1,299 |
| Total domestic deposits to total assets | 82.2903% | 4,837 |
| Equity capital to assets | 13.1560% | 1,262 |
| Core capital (leverage) ratio | 13.3208% | 1,092 |
| Tier 1 risk-based capital ratio | 17.3375% | 2,568 |
| Total risk-based capital ratio | 18.6005% | 2,534 |
| Memoranda: | ||
| Average total assets | $191,867,500 | 3,154 |
| Average earning assets | $176,218,250 | 3,155 |
| Average equity | $26,090,500 | 2,573 |
| Average total loans | $134,103,000 | 2,800 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4660% | 2,329 |
| Cost of funding earning assets | 0.5998% | 2,943 |
| Net interest margin | 3.8662% | 2,319 |
| Noninterest income to average assets | 0.6642% | 2,829 |
| Noninterest expense to average assets | 2.3099% | 5,344 |
| Loan and lease loss provision to assets | 0.0531% | 3,929 |
| Net operating income to assets | 1.2459% | 1,472 |
| Return on assets (ROA) | 1.4483% | 1,066 |
| Pretax return on assets | 2.1783% | 439 |
| Return on Equity (ROE) | 10.5286% | 2,005 |
| Retained earnings to average equity (ytd only) | 10.5286% | 736 |
| Net charge-offs to loans | 0.4360% | 1,488 |
| Credit loss provision to net charge-offs | 17.3611% | 3,784 |
| Earnings coverage of net charge-offs (x) | 6.2986% | 2,740 |
| Efficiency ratio | 54.5477% | 6,099 |
| Assets per employee ($millions) | 5.3019% | 1,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4411% | 1,050 |
| Loan loss allowance to noncurrent loans | 241.7334% | 1,683 |
| Noncurrent assets plus other real estate owned to assets | 1.2427% | 3,268 |
| Noncurrent loans to loans | 1.0098% | 3,913 |
| Net loans and leases to total assets | 69.4944% | 1,974 |
| Net loans and leases to deposits | 84.6246% | 1,718 |
| Net loans and leases to core deposits | 96.9131% | 1,285 |
| Total domestic deposits to total assets | 82.1208% | 5,015 |
| Equity capital to assets | 13.7151% | 1,046 |
| Core capital (leverage) ratio | 13.6601% | 919 |
| Tier 1 risk-based capital ratio | 17.7339% | 2,423 |
| Total risk-based capital ratio | 19.0654% | 2,355 |
| Memoranda: | ||
| Average total assets | $188,493,000 | 3,219 |
| Average earning assets | $174,070,670 | 3,199 |
| Average equity | $25,929,330 | 2,591 |
| Average total loans | $132,097,330 | 2,840 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5200% | 2,098 |
| Cost of funding earning assets | 0.6170% | 2,952 |
| Net interest margin | 3.9030% | 2,108 |
| Noninterest income to average assets | 0.6941% | 2,622 |
| Noninterest expense to average assets | 2.3171% | 5,377 |
| Loan and lease loss provision to assets | 0.0534% | 3,733 |
| Net operating income to assets | 1.3027% | 1,266 |
| Return on assets (ROA) | 1.3070% | 1,362 |
| Pretax return on assets | 1.9370% | 681 |
| Return on Equity (ROE) | 9.4865% | 2,276 |
| Retained earnings to average equity (ytd only) | 9.4865% | 1,248 |
| Net charge-offs to loans | 0.0492% | 3,338 |
| Credit loss provision to net charge-offs | 156.2500% | 1,319 |
| Earnings coverage of net charge-offs (x) | 58.0625% | 610 |
| Efficiency ratio | 53.8729% | 6,240 |
| Assets per employee ($millions) | 5.3484% | 1,811 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7292% | 881 |
| Loan loss allowance to noncurrent loans | 229.5557% | 1,673 |
| Noncurrent assets plus other real estate owned to assets | 1.3435% | 3,269 |
| Noncurrent loans to loans | 1.1889% | 3,786 |
| Net loans and leases to total assets | 67.8750% | 2,036 |
| Net loans and leases to deposits | 82.6259% | 1,752 |
| Net loans and leases to core deposits | 91.5971% | 1,544 |
| Total domestic deposits to total assets | 82.1474% | 5,141 |
| Equity capital to assets | 13.9209% | 1,057 |
| Core capital (leverage) ratio | 13.4869% | 950 |
| Tier 1 risk-based capital ratio | 17.8945% | 2,411 |
| Total risk-based capital ratio | 19.2952% | 2,308 |
| Memoranda: | ||
| Average total assets | $187,304,500 | 3,263 |
| Average earning assets | $173,097,000 | 3,235 |
| Average equity | $25,805,000 | 2,631 |
| Average total loans | $130,164,500 | 2,891 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7459% | 2,413 |
| Cost of funding earning assets | 0.8636% | 2,191 |
| Net interest margin | 3.8823% | 2,906 |
| Noninterest income to average assets | 0.7573% | 2,458 |
| Noninterest expense to average assets | 2.2655% | 5,773 |
| Loan and lease loss provision to assets | 0.3037% | 2,250 |
| Net operating income to assets | 1.2476% | 1,456 |
| Return on assets (ROA) | 1.2764% | 1,524 |
| Pretax return on assets | 1.8409% | 851 |
| Return on Equity (ROE) | 9.7559% | 2,286 |
| Retained earnings to average equity (ytd only) | 7.7377% | 1,217 |
| Net charge-offs to loans | 0.1960% | 3,808 |
| Credit loss provision to net charge-offs | 226.3780% | 1,101 |
| Earnings coverage of net charge-offs (x) | 15.6772% | 1,637 |
| Efficiency ratio | 51.8617% | 6,472 |
| Assets per employee ($millions) | 5.3547% | 1,836 |
| Cash dividends to net income (ytd only)* | 20.6868% | 3,718 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7416% | 886 |
| Loan loss allowance to noncurrent loans | 172.7052% | 2,097 |
| Noncurrent assets plus other real estate owned to assets | 1.4289% | 3,253 |
| Noncurrent loans to loans | 1.5874% | 3,242 |
| Net loans and leases to total assets | 67.3105% | 2,317 |
| Net loans and leases to deposits | 79.8878% | 2,298 |
| Net loans and leases to core deposits | 89.6684% | 1,871 |
| Total domestic deposits to total assets | 84.2563% | 4,204 |
| Equity capital to assets | 13.6334% | 1,177 |
| Core capital (leverage) ratio | 12.8983% | 1,150 |
| Tier 1 risk-based capital ratio | 17.5917% | 2,419 |
| Total risk-based capital ratio | 18.9629% | 2,340 |
| Memoranda: | ||
| Average total assets | $189,362,600 | 3,185 |
| Average earning assets | $176,131,000 | 3,145 |
| Average equity | $24,774,800 | 2,680 |
| Average total loans | $129,602,000 | 2,893 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7132% | 2,758 |
| Cost of funding earning assets | 0.9235% | 2,025 |
| Net interest margin | 3.7897% | 3,381 |
| Noninterest income to average assets | 0.7416% | 2,521 |
| Noninterest expense to average assets | 2.2480% | 5,823 |
| Loan and lease loss provision to assets | 0.1580% | 3,537 |
| Net operating income to assets | 1.2643% | 1,527 |
| Return on assets (ROA) | 1.3021% | 1,584 |
| Pretax return on assets | 1.9243% | 825 |
| Return on Equity (ROE) | 10.0564% | 2,328 |
| Retained earnings to average equity (ytd only) | 10.0564% | 902 |
| Net charge-offs to loans | -0.0350% | 6,614 |
| Credit loss provision to net charge-offs | -661.7647% | 6,484 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.5875% | 6,393 |
| Assets per employee ($millions) | 5.2311% | 1,906 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6546% | 1,025 |
| Loan loss allowance to noncurrent loans | 221.9822% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 1.1109% | 4,077 |
| Noncurrent loans to loans | 1.1958% | 4,059 |
| Net loans and leases to total assets | 68.0377% | 2,288 |
| Net loans and leases to deposits | 84.8507% | 1,754 |
| Net loans and leases to core deposits | 96.4340% | 1,374 |
| Total domestic deposits to total assets | 80.1852% | 5,607 |
| Equity capital to assets | 13.5950% | 1,312 |
| Core capital (leverage) ratio | 12.6605% | 1,342 |
| Tier 1 risk-based capital ratio | 17.4059% | 2,575 |
| Total risk-based capital ratio | 18.7582% | 2,505 |
| Memoranda: | ||
| Average total assets | $189,849,500 | 3,209 |
| Average earning assets | $177,001,250 | 3,175 |
| Average equity | $24,580,750 | 2,726 |
| Average total loans | $129,576,000 | 2,925 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7045% | 2,898 |
| Cost of funding earning assets | 0.9930% | 1,804 |
| Net interest margin | 3.7115% | 3,759 |
| Noninterest income to average assets | 0.7134% | 2,591 |
| Noninterest expense to average assets | 2.2767% | 5,805 |
| Loan and lease loss provision to assets | 0.1576% | 3,540 |
| Net operating income to assets | 1.1884% | 1,755 |
| Return on assets (ROA) | 1.2177% | 1,846 |
| Pretax return on assets | 1.7819% | 1,079 |
| Return on Equity (ROE) | 9.5626% | 2,548 |
| Retained earnings to average equity (ytd only) | 9.5626% | 1,099 |
| Net charge-offs to loans | -0.0481% | 6,657 |
| Credit loss provision to net charge-offs | -483.8710% | 6,278 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 54.5569% | 6,267 |
| Assets per employee ($millions) | 5.5834% | 1,549 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4989% | 1,284 |
| Loan loss allowance to noncurrent loans | 195.2027% | 1,751 |
| Noncurrent assets plus other real estate owned to assets | 1.4835% | 3,477 |
| Noncurrent loans to loans | 1.2802% | 4,000 |
| Net loans and leases to total assets | 68.2441% | 2,252 |
| Net loans and leases to deposits | 86.6161% | 1,524 |
| Net loans and leases to core deposits | 98.8050% | 1,192 |
| Total domestic deposits to total assets | 78.7892% | 5,997 |
| Equity capital to assets | 12.7270% | 1,670 |
| Core capital (leverage) ratio | 12.4239% | 1,387 |
| Tier 1 risk-based capital ratio | 16.2903% | 3,007 |
| Total risk-based capital ratio | 17.6582% | 2,923 |
| Memoranda: | ||
| Average total assets | $190,359,670 | 3,211 |
| Average earning assets | $177,446,670 | 3,172 |
| Average equity | $24,240,330 | 2,746 |
| Average total loans | $128,894,000 | 2,946 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7175% | 2,984 |
| Cost of funding earning assets | 1.0412% | 1,737 |
| Net interest margin | 3.6763% | 3,937 |
| Noninterest income to average assets | 0.6389% | 2,996 |
| Noninterest expense to average assets | 2.2787% | 5,825 |
| Loan and lease loss provision to assets | 0.1597% | 3,384 |
| Net operating income to assets | 1.1225% | 1,975 |
| Return on assets (ROA) | 1.1798% | 1,982 |
| Pretax return on assets | 1.7122% | 1,273 |
| Return on Equity (ROE) | 9.2623% | 2,704 |
| Retained earnings to average equity (ytd only) | 9.2623% | 1,498 |
| Net charge-offs to loans | -0.0128% | 6,022 |
| Credit loss provision to net charge-offs | -1,875.0000% | 6,042 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.0209% | 6,119 |
| Assets per employee ($millions) | 5.3990% | 1,792 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5769% | 1,256 |
| Loan loss allowance to noncurrent loans | 142.5806% | 2,264 |
| Noncurrent assets plus other real estate owned to assets | 1.5045% | 3,602 |
| Noncurrent loans to loans | 1.8074% | 3,402 |
| Net loans and leases to total assets | 66.3223% | 2,412 |
| Net loans and leases to deposits | 82.6754% | 1,838 |
| Net loans and leases to core deposits | 92.4206% | 1,606 |
| Total domestic deposits to total assets | 80.2201% | 5,800 |
| Equity capital to assets | 12.7881% | 1,552 |
| Core capital (leverage) ratio | 12.4060% | 1,379 |
| Tier 1 risk-based capital ratio | 16.2536% | 3,041 |
| Total risk-based capital ratio | 17.6181% | 2,934 |
| Memoranda: | ||
| Average total assets | $187,830,000 | 3,261 |
| Average earning assets | $175,176,000 | 3,222 |
| Average equity | $23,925,000 | 2,769 |
| Average total loans | $124,951,000 | 3,047 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0045% | 2,860 |
| Cost of funding earning assets | 1.4291% | 924 |
| Net interest margin | 3.5754% | 4,823 |
| Noninterest income to average assets | 0.6806% | 2,721 |
| Noninterest expense to average assets | 2.2991% | 6,038 |
| Loan and lease loss provision to assets | 0.2154% | 4,043 |
| Net operating income to assets | 1.0289% | 2,092 |
| Return on assets (ROA) | 1.0333% | 2,223 |
| Pretax return on assets | 1.4172% | 1,727 |
| Return on Equity (ROE) | 8.5814% | 2,641 |
| Retained earnings to average equity (ytd only) | 8.5814% | 907 |
| Net charge-offs to loans | 0.1639% | 4,842 |
| Credit loss provision to net charge-offs | 199.0050% | 1,266 |
| Earnings coverage of net charge-offs (x) | 15.0299% | 1,424 |
| Efficiency ratio | 58.5654% | 5,971 |
| Assets per employee ($millions) | 6.0224% | 1,214 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6686% | 1,110 |
| Loan loss allowance to noncurrent loans | 138.7055% | 2,297 |
| Noncurrent assets plus other real estate owned to assets | 1.5271% | 3,668 |
| Noncurrent loans to loans | 1.9239% | 3,303 |
| Net loans and leases to total assets | 63.2181% | 3,349 |
| Net loans and leases to deposits | 78.8568% | 2,698 |
| Net loans and leases to core deposits | 88.7473% | 2,291 |
| Total domestic deposits to total assets | 80.1682% | 5,695 |
| Equity capital to assets | 12.6865% | 1,666 |
| Core capital (leverage) ratio | 12.0366% | 1,570 |
| Tier 1 risk-based capital ratio | 16.4954% | 2,825 |
| Total risk-based capital ratio | 17.8592% | 2,743 |
| Memoranda: | ||
| Average total assets | $185,724,600 | 3,249 |
| Average earning assets | $168,569,600 | 3,269 |
| Average equity | $22,362,400 | 2,855 |
| Average total loans | $122,636,600 | 3,130 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0507% | 2,838 |
| Cost of funding earning assets | 1.4878% | 906 |
| Net interest margin | 3.5629% | 4,926 |
| Noninterest income to average assets | 0.6664% | 2,792 |
| Noninterest expense to average assets | 2.2126% | 6,249 |
| Loan and lease loss provision to assets | 0.1438% | 4,645 |
| Net operating income to assets | 1.0532% | 2,127 |
| Return on assets (ROA) | 1.0581% | 2,251 |
| Pretax return on assets | 1.5311% | 1,576 |
| Return on Equity (ROE) | 8.9081% | 2,638 |
| Retained earnings to average equity (ytd only) | 8.9081% | 1,176 |
| Net charge-offs to loans | -0.0152% | 6,849 |
| Credit loss provision to net charge-offs | -1,428.5714% | 6,799 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 57.0211% | 6,141 |
| Assets per employee ($millions) | 5.6724% | 1,442 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6943% | 1,136 |
| Loan loss allowance to noncurrent loans | 134.8403% | 2,241 |
| Noncurrent assets plus other real estate owned to assets | 1.6363% | 3,633 |
| Noncurrent loans to loans | 1.9982% | 3,367 |
| Net loans and leases to total assets | 62.7218% | 3,565 |
| Net loans and leases to deposits | 77.9282% | 3,012 |
| Net loans and leases to core deposits | 90.0169% | 2,244 |
| Total domestic deposits to total assets | 80.4867% | 5,600 |
| Equity capital to assets | 12.3719% | 1,987 |
| Core capital (leverage) ratio | 11.7867% | 1,835 |
| Tier 1 risk-based capital ratio | 16.2997% | 2,971 |
| Total risk-based capital ratio | 17.6817% | 2,862 |
| Memoranda: | ||
| Average total assets | $185,482,000 | 3,267 |
| Average earning assets | $167,311,000 | 3,296 |
| Average equity | $22,031,750 | 2,886 |
| Average total loans | $122,980,500 | 3,146 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1698% | 2,378 |
| Cost of funding earning assets | 1.5366% | 874 |
| Net interest margin | 3.6332% | 4,588 |
| Noninterest income to average assets | 0.5019% | 3,845 |
| Noninterest expense to average assets | 2.2800% | 6,177 |
| Loan and lease loss provision to assets | 0.1082% | 4,951 |
| Net operating income to assets | 0.9428% | 2,469 |
| Return on assets (ROA) | 0.9496% | 2,532 |
| Pretax return on assets | 1.3585% | 1,931 |
| Return on Equity (ROE) | 8.1086% | 2,900 |
| Retained earnings to average equity (ytd only) | 8.1086% | 1,424 |
| Net charge-offs to loans | -0.0162% | 6,780 |
| Credit loss provision to net charge-offs | -1,000.0000% | 6,582 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.0130% | 5,728 |
| Assets per employee ($millions) | 5.5523% | 1,525 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6184% | 1,291 |
| Loan loss allowance to noncurrent loans | 237.3303% | 1,297 |
| Noncurrent assets plus other real estate owned to assets | 0.9125% | 5,045 |
| Noncurrent loans to loans | 1.1033% | 4,827 |
| Net loans and leases to total assets | 63.8772% | 3,493 |
| Net loans and leases to deposits | 79.4724% | 2,895 |
| Net loans and leases to core deposits | 83.4402% | 3,301 |
| Total domestic deposits to total assets | 80.3766% | 5,719 |
| Equity capital to assets | 12.2090% | 1,959 |
| Core capital (leverage) ratio | 11.8103% | 1,715 |
| Tier 1 risk-based capital ratio | 15.9474% | 3,000 |
| Total risk-based capital ratio | 17.3445% | 2,900 |
| Memoranda: | ||
| Average total assets | $184,912,670 | 3,302 |
| Average earning assets | $164,649,000 | 3,359 |
| Average equity | $21,656,000 | 2,909 |
| Average total loans | $123,754,000 | 3,152 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2300% | 2,111 |
| Cost of funding earning assets | 1.6006% | 814 |
| Net interest margin | 3.6294% | 4,433 |
| Noninterest income to average assets | 0.5168% | 3,752 |
| Noninterest expense to average assets | 2.2330% | 6,348 |
| Loan and lease loss provision to assets | 0.2153% | 3,497 |
| Net operating income to assets | 0.9025% | 2,553 |
| Return on assets (ROA) | 0.9130% | 2,559 |
| Pretax return on assets | 1.2963% | 2,055 |
| Return on Equity (ROE) | 7.9628% | 2,928 |
| Retained earnings to average equity (ytd only) | 7.9628% | 1,748 |
| Net charge-offs to loans | -0.0191% | 6,553 |
| Credit loss provision to net charge-offs | -1,666.6667% | 6,212 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.8730% | 6,001 |
| Assets per employee ($millions) | 5.4044% | 1,664 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4972% | 1,462 |
| Loan loss allowance to noncurrent loans | 137.2489% | 2,164 |
| Noncurrent assets plus other real estate owned to assets | 1.3970% | 4,192 |
| Noncurrent loans to loans | 1.8195% | 3,802 |
| Net loans and leases to total assets | 66.7862% | 2,816 |
| Net loans and leases to deposits | 82.5373% | 2,266 |
| Net loans and leases to core deposits | 86.5541% | 2,796 |
| Total domestic deposits to total assets | 80.9164% | 5,686 |
| Equity capital to assets | 11.7399% | 2,089 |
| Core capital (leverage) ratio | 11.5294% | 1,828 |
| Tier 1 risk-based capital ratio | 15.0177% | 3,416 |
| Total risk-based capital ratio | 16.3793% | 3,316 |
| Memoranda: | ||
| Average total assets | $185,756,500 | 3,304 |
| Average earning assets | $164,434,500 | 3,382 |
| Average equity | $21,299,000 | 2,946 |
| Average total loans | $125,538,000 | 3,139 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5541% | 2,069 |
| Cost of funding earning assets | 1.8845% | 899 |
| Net interest margin | 3.6696% | 4,493 |
| Noninterest income to average assets | 0.6878% | 2,917 |
| Noninterest expense to average assets | 2.1483% | 6,734 |
| Loan and lease loss provision to assets | 0.7197% | 2,279 |
| Net operating income to assets | 0.9221% | 2,310 |
| Return on assets (ROA) | 0.9097% | 2,484 |
| Pretax return on assets | 1.1729% | 2,323 |
| Return on Equity (ROE) | 8.4664% | 2,513 |
| Retained earnings to average equity (ytd only) | 8.4664% | 848 |
| Net charge-offs to loans | 0.4439% | 3,842 |
| Credit loss provision to net charge-offs | 231.7949% | 1,272 |
| Earnings coverage of net charge-offs (x) | 6.1470% | 2,429 |
| Efficiency ratio | 52.9566% | 6,898 |
| Assets per employee ($millions) | 5.5225% | 1,556 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4254% | 1,514 |
| Loan loss allowance to noncurrent loans | 126.2261% | 2,325 |
| Noncurrent assets plus other real estate owned to assets | 1.4353% | 4,185 |
| Noncurrent loans to loans | 1.9215% | 3,662 |
| Net loans and leases to total assets | 65.0694% | 3,651 |
| Net loans and leases to deposits | 78.8432% | 3,363 |
| Net loans and leases to core deposits | 98.0947% | 1,792 |
| Total domestic deposits to total assets | 82.5302% | 5,007 |
| Equity capital to assets | 11.1981% | 2,512 |
| Core capital (leverage) ratio | 10.8488% | 2,270 |
| Tier 1 risk-based capital ratio | 14.1042% | 3,807 |
| Total risk-based capital ratio | 15.3397% | 3,782 |
| Memoranda: | ||
| Average total assets | $188,424,000 | 3,253 |
| Average earning assets | $172,989,600 | 3,226 |
| Average equity | $20,244,800 | 3,117 |
| Average total loans | $131,775,800 | 3,093 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5730% | 2,164 |
| Cost of funding earning assets | 1.8800% | 1,087 |
| Net interest margin | 3.6930% | 4,440 |
| Noninterest income to average assets | 0.6441% | 3,160 |
| Noninterest expense to average assets | 2.1351% | 6,769 |
| Loan and lease loss provision to assets | 0.6851% | 2,229 |
| Net operating income to assets | 0.9257% | 2,514 |
| Return on assets (ROA) | 0.9085% | 2,720 |
| Pretax return on assets | 1.2295% | 2,391 |
| Return on Equity (ROE) | 8.5453% | 2,671 |
| Retained earnings to average equity (ytd only) | 8.5453% | 1,223 |
| Net charge-offs to loans | 0.2818% | 4,254 |
| Credit loss provision to net charge-offs | 343.6170% | 926 |
| Earnings coverage of net charge-offs (x) | 9.7199% | 1,977 |
| Efficiency ratio | 52.4215% | 6,943 |
| Assets per employee ($millions) | 5.5611% | 1,575 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2456% | 1,705 |
| Loan loss allowance to noncurrent loans | 172.7911% | 1,661 |
| Noncurrent assets plus other real estate owned to assets | 1.0805% | 4,952 |
| Noncurrent loans to loans | 1.2996% | 4,686 |
| Net loans and leases to total assets | 67.9880% | 3,221 |
| Net loans and leases to deposits | 82.1609% | 3,074 |
| Net loans and leases to core deposits | 107.2242% | 1,218 |
| Total domestic deposits to total assets | 82.7498% | 4,697 |
| Equity capital to assets | 11.1051% | 2,845 |
| Core capital (leverage) ratio | 10.6179% | 2,583 |
| Tier 1 risk-based capital ratio | 13.9971% | 3,837 |
| Total risk-based capital ratio | 15.2573% | 3,803 |
| Memoranda: | ||
| Average total assets | $188,589,000 | 3,289 |
| Average earning assets | $175,101,750 | 3,232 |
| Average equity | $20,049,500 | 3,187 |
| Average total loans | $133,416,250 | 3,110 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4291% | 2,847 |
| Cost of funding earning assets | 1.9141% | 1,191 |
| Net interest margin | 3.5150% | 5,193 |
| Noninterest income to average assets | 0.5615% | 3,618 |
| Noninterest expense to average assets | 2.1122% | 6,862 |
| Loan and lease loss provision to assets | 0.6687% | 2,159 |
| Net operating income to assets | 0.7987% | 2,984 |
| Return on assets (ROA) | 0.8608% | 2,834 |
| Pretax return on assets | 1.1240% | 2,694 |
| Return on Equity (ROE) | 8.2195% | 2,799 |
| Retained earnings to average equity (ytd only) | 8.2195% | 1,367 |
| Net charge-offs to loans | 0.2984% | 3,829 |
| Credit loss provision to net charge-offs | 315.0000% | 1,161 |
| Earnings coverage of net charge-offs (x) | 8.0650% | 2,194 |
| Efficiency ratio | 55.2318% | 6,735 |
| Assets per employee ($millions) | 5.4256% | 1,689 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0081% | 2,152 |
| Loan loss allowance to noncurrent loans | 86.2168% | 3,154 |
| Noncurrent assets plus other real estate owned to assets | 1.8626% | 3,674 |
| Noncurrent loans to loans | 2.3292% | 3,338 |
| Net loans and leases to total assets | 69.2781% | 3,069 |
| Net loans and leases to deposits | 83.2097% | 3,031 |
| Net loans and leases to core deposits | 105.3071% | 1,509 |
| Total domestic deposits to total assets | 83.2572% | 4,465 |
| Equity capital to assets | 10.6395% | 3,233 |
| Core capital (leverage) ratio | 10.2877% | 2,845 |
| Tier 1 risk-based capital ratio | 12.9393% | 4,501 |
| Total risk-based capital ratio | 14.1959% | 4,448 |
| Memoranda: | ||
| Average total assets | $188,426,670 | 3,329 |
| Average earning assets | $174,909,000 | 3,259 |
| Average equity | $19,733,670 | 3,207 |
| Average total loans | $134,054,330 | 3,122 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5403% | 2,404 |
| Cost of funding earning assets | 1.9581% | 1,217 |
| Net interest margin | 3.5822% | 4,801 |
| Noninterest income to average assets | 0.5797% | 3,418 |
| Noninterest expense to average assets | 2.1844% | 6,729 |
| Loan and lease loss provision to assets | 1.2361% | 984 |
| Net operating income to assets | 0.4519% | 4,609 |
| Return on assets (ROA) | 0.6074% | 4,011 |
| Pretax return on assets | 0.6351% | 4,473 |
| Return on Equity (ROE) | 5.8466% | 3,945 |
| Retained earnings to average equity (ytd only) | 5.8466% | 2,693 |
| Net charge-offs to loans | -0.6062% | 7,815 |
| Credit loss provision to net charge-offs | -285.7143% | 6,177 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.1029% | 6,750 |
| Assets per employee ($millions) | 5.2348% | 1,935 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2257% | 1,696 |
| Loan loss allowance to noncurrent loans | 93.7289% | 2,940 |
| Noncurrent assets plus other real estate owned to assets | 1.9655% | 3,541 |
| Noncurrent loans to loans | 2.3746% | 3,307 |
| Net loans and leases to total assets | 71.0734% | 2,682 |
| Net loans and leases to deposits | 85.1689% | 2,735 |
| Net loans and leases to core deposits | 110.4751% | 1,241 |
| Total domestic deposits to total assets | 83.4500% | 4,410 |
| Equity capital to assets | 10.4100% | 3,331 |
| Core capital (leverage) ratio | 10.2384% | 2,888 |
| Tier 1 risk-based capital ratio | 11.8074% | 5,387 |
| Total risk-based capital ratio | 13.0652% | 5,321 |
| Memoranda: | ||
| Average total assets | $187,691,500 | 3,396 |
| Average earning assets | $173,635,500 | 3,343 |
| Average equity | $19,498,500 | 3,264 |
| Average total loans | $133,955,000 | 3,187 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5881% | 3,663 |
| Cost of funding earning assets | 2.3447% | 1,479 |
| Net interest margin | 3.2435% | 5,951 |
| Noninterest income to average assets | 0.6596% | 3,221 |
| Noninterest expense to average assets | 2.1167% | 7,149 |
| Loan and lease loss provision to assets | 1.0586% | 2,168 |
| Net operating income to assets | 0.3987% | 4,135 |
| Return on assets (ROA) | 0.6154% | 3,341 |
| Pretax return on assets | 0.7624% | 3,366 |
| Return on Equity (ROE) | 6.1221% | 3,166 |
| Retained earnings to average equity (ytd only) | 6.1221% | 1,310 |
| Net charge-offs to loans | 1.7718% | 1,413 |
| Credit loss provision to net charge-offs | 86.6173% | 6,112 |
| Earnings coverage of net charge-offs (x) | 1.2711% | 4,855 |
| Efficiency ratio | 57.6717% | 6,811 |
| Assets per employee ($millions) | 5.0522% | 2,153 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7308% | 2,785 |
| Loan loss allowance to noncurrent loans | 56.3261% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 2.4811% | 2,811 |
| Noncurrent loans to loans | 3.0728% | 2,497 |
| Net loans and leases to total assets | 68.8252% | 3,528 |
| Net loans and leases to deposits | 82.5691% | 3,531 |
| Net loans and leases to core deposits | 119.1338% | 2,018 |
| Total domestic deposits to total assets | 83.3547% | 4,360 |
| Equity capital to assets | 10.3670% | 3,324 |
| Core capital (leverage) ratio | 10.0423% | 3,042 |
| Tier 1 risk-based capital ratio | 11.7689% | 5,137 |
| Total risk-based capital ratio | 13.0214% | 5,097 |
| Memoranda: | ||
| Average total assets | $187,697,600 | 3,317 |
| Average earning assets | $174,226,200 | 3,289 |
| Average equity | $18,866,000 | 3,365 |
| Average total loans | $129,470,400 | 3,282 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5899% | 3,929 |
| Cost of funding earning assets | 2.3641% | 1,761 |
| Net interest margin | 3.2258% | 5,931 |
| Noninterest income to average assets | 0.6827% | 3,138 |
| Noninterest expense to average assets | 2.1906% | 7,003 |
| Loan and lease loss provision to assets | 0.9381% | 2,051 |
| Net operating income to assets | 0.4370% | 4,244 |
| Return on assets (ROA) | 0.6529% | 3,456 |
| Pretax return on assets | 0.8324% | 3,434 |
| Return on Equity (ROE) | 6.5464% | 3,282 |
| Retained earnings to average equity (ytd only) | 6.5464% | 1,684 |
| Net charge-offs to loans | 1.3993% | 1,474 |
| Credit loss provision to net charge-offs | 97.5646% | 5,233 |
| Earnings coverage of net charge-offs (x) | 1.5535% | 4,623 |
| Efficiency ratio | 59.4569% | 6,485 |
| Assets per employee ($millions) | 5.1672% | 1,938 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9373% | 1,940 |
| Loan loss allowance to noncurrent loans | 60.4330% | 4,336 |
| Noncurrent assets plus other real estate owned to assets | 2.2594% | 3,031 |
| Noncurrent loans to loans | 3.2057% | 2,361 |
| Net loans and leases to total assets | 69.1168% | 3,688 |
| Net loans and leases to deposits | 84.2437% | 3,608 |
| Net loans and leases to core deposits | 118.9998% | 2,336 |
| Total domestic deposits to total assets | 82.0439% | 4,659 |
| Equity capital to assets | 10.5016% | 3,513 |
| Core capital (leverage) ratio | 10.0622% | 3,217 |
| Tier 1 risk-based capital ratio | 11.7798% | 5,168 |
| Total risk-based capital ratio | 13.0345% | 5,112 |
| Memoranda: | ||
| Average total assets | $187,889,500 | 3,335 |
| Average earning assets | $174,835,500 | 3,311 |
| Average equity | $18,737,750 | 3,412 |
| Average total loans | $129,107,750 | 3,319 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6122% | 4,011 |
| Cost of funding earning assets | 2.4682% | 1,721 |
| Net interest margin | 3.1440% | 6,110 |
| Noninterest income to average assets | 0.7511% | 2,697 |
| Noninterest expense to average assets | 2.2110% | 7,027 |
| Loan and lease loss provision to assets | 0.9251% | 1,823 |
| Net operating income to assets | 0.4095% | 4,477 |
| Return on assets (ROA) | 0.7151% | 3,294 |
| Pretax return on assets | 0.9389% | 3,214 |
| Return on Equity (ROE) | 7.2975% | 3,065 |
| Retained earnings to average equity (ytd only) | 7.2975% | 1,468 |
| Net charge-offs to loans | 1.9386% | 962 |
| Credit loss provision to net charge-offs | 70.0402% | 5,414 |
| Earnings coverage of net charge-offs (x) | 1.1068% | 4,687 |
| Efficiency ratio | 60.1964% | 6,520 |
| Assets per employee ($millions) | 4.9753% | 2,104 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7672% | 2,133 |
| Loan loss allowance to noncurrent loans | 44.7700% | 5,380 |
| Noncurrent assets plus other real estate owned to assets | 2.6884% | 2,388 |
| Noncurrent loans to loans | 3.9472% | 1,726 |
| Net loans and leases to total assets | 66.4329% | 4,474 |
| Net loans and leases to deposits | 79.6562% | 4,588 |
| Net loans and leases to core deposits | 110.4495% | 3,334 |
| Total domestic deposits to total assets | 83.3995% | 4,067 |
| Equity capital to assets | 10.1279% | 3,789 |
| Core capital (leverage) ratio | 9.8479% | 3,452 |
| Tier 1 risk-based capital ratio | 11.8688% | 5,026 |
| Total risk-based capital ratio | 13.1212% | 4,935 |
| Memoranda: | ||
| Average total assets | $188,512,670 | 3,353 |
| Average earning assets | $175,189,670 | 3,326 |
| Average equity | $18,472,000 | 3,473 |
| Average total loans | $128,440,000 | 3,366 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6923% | 3,840 |
| Cost of funding earning assets | 2.5402% | 1,768 |
| Net interest margin | 3.1521% | 6,010 |
| Noninterest income to average assets | 0.7760% | 2,454 |
| Noninterest expense to average assets | 2.0301% | 7,280 |
| Loan and lease loss provision to assets | 1.3464% | 951 |
| Net operating income to assets | 0.2467% | 5,497 |
| Return on assets (ROA) | 0.7718% | 3,422 |
| Pretax return on assets | 1.0570% | 3,155 |
| Return on Equity (ROE) | 8.0061% | 3,151 |
| Retained earnings to average equity (ytd only) | 8.0061% | 1,812 |
| Net charge-offs to loans | 2.2697% | 637 |
| Credit loss provision to net charge-offs | 86.7568% | 4,071 |
| Earnings coverage of net charge-offs (x) | 1.0851% | 4,217 |
| Efficiency ratio | 54.6584% | 7,153 |
| Assets per employee ($millions) | 4.9484% | 2,121 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9143% | 1,593 |
| Loan loss allowance to noncurrent loans | 79.0735% | 3,712 |
| Noncurrent assets plus other real estate owned to assets | 1.6832% | 3,400 |
| Noncurrent loans to loans | 2.4209% | 2,721 |
| Net loans and leases to total assets | 67.4422% | 4,259 |
| Net loans and leases to deposits | 81.5349% | 4,363 |
| Net loans and leases to core deposits | 114.5240% | 2,952 |
| Total domestic deposits to total assets | 82.7157% | 4,281 |
| Equity capital to assets | 9.7677% | 4,284 |
| Core capital (leverage) ratio | 9.4225% | 4,078 |
| Tier 1 risk-based capital ratio | 11.1503% | 5,759 |
| Total risk-based capital ratio | 12.4038% | 5,673 |
| Memoranda: | ||
| Average total assets | $190,726,500 | 3,352 |
| Average earning assets | $177,784,000 | 3,309 |
| Average equity | $18,386,000 | 3,502 |
| Average total loans | $130,413,500 | 3,353 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1294% | 4,903 |
| Cost of funding earning assets | 3.0479% | 1,692 |
| Net interest margin | 3.0815% | 6,700 |
| Noninterest income to average assets | 0.4483% | 5,052 |
| Noninterest expense to average assets | 1.8411% | 7,702 |
| Loan and lease loss provision to assets | 0.1259% | 5,759 |
| Net operating income to assets | 1.0269% | 2,445 |
| Return on assets (ROA) | 0.0397% | 6,120 |
| Pretax return on assets | -0.1785% | 6,355 |
| Return on Equity (ROE) | 0.4238% | 6,104 |
| Retained earnings to average equity (ytd only) | -1.3540% | 5,695 |
| Net charge-offs to loans | -0.0015% | 7,731 |
| Credit loss provision to net charge-offs | -12,200.0000% | 7,541 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.2733% | 7,111 |
| Assets per employee ($millions) | 5.0899% | 1,851 |
| Cash dividends to net income (ytd only)* | 419.4805% | 123 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9561% | 1,309 |
| Loan loss allowance to noncurrent loans | 92.1562% | 3,686 |
| Noncurrent assets plus other real estate owned to assets | 1.4435% | 3,326 |
| Noncurrent loans to loans | 2.1226% | 2,599 |
| Net loans and leases to total assets | 66.6763% | 4,713 |
| Net loans and leases to deposits | 80.1469% | 5,025 |
| Net loans and leases to core deposits | 115.4095% | 3,194 |
| Total domestic deposits to total assets | 83.1926% | 3,688 |
| Equity capital to assets | 9.5158% | 4,669 |
| Core capital (leverage) ratio | 9.1917% | 4,453 |
| Tier 1 risk-based capital ratio | 10.6765% | 6,024 |
| Total risk-based capital ratio | 11.9304% | 5,931 |
| Memoranda: | ||
| Average total assets | $193,847,000 | 3,212 |
| Average earning assets | $181,338,400 | 3,167 |
| Average equity | $18,168,800 | 3,531 |
| Average total loans | $131,737,600 | 3,238 |