Home > Rockford Bank and Trust Company > Performance and Condition Ratios
Rockford Bank and Trust Company, 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 | 4.3651% | 3,462 |
| Cost of funding earning assets | 1.5333% | 375 |
| Net interest margin | 2.8317% | 4,827 |
| Noninterest income to average assets | 0.5780% | 2,318 |
| Noninterest expense to average assets | 2.6093% | 3,142 |
| Loan and lease loss provision to assets | 0.1443% | 1,329 |
| Net operating income to assets | 0.4329% | 4,652 |
| Return on assets (ROA) | 0.4329% | 4,687 |
| Pretax return on assets | 0.4662% | 4,735 |
| Return on Equity (ROE) | 4.9463% | 4,341 |
| Retained earnings to average equity (ytd only) | 4.9463% | 2,913 |
| Net charge-offs to loans | 0.3244% | 532 |
| Credit loss provision to net charge-offs | 55.6773% | 2,744 |
| Earnings coverage of net charge-offs (x) | 2.3556% | 3,204 |
| Efficiency ratio | 81.0375% | 830 |
| Assets per employee ($millions) | 7.4209% | 871 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,563 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5492% | 1,121 |
| Loan loss allowance to noncurrent loans | 144.9955% | 2,680 |
| Noncurrent assets plus other real estate owned to assets | 1.3073% | 924 |
| Noncurrent loans to loans | 1.0684% | 1,491 |
| Net loans and leases to total assets | 79.3981% | 932 |
| Net loans and leases to deposits | 91.3464% | 1,524 |
| Net loans and leases to core deposits | 101.8486% | 1,515 |
| Total domestic deposits to total assets | 86.9197% | 1,559 |
| Equity capital to assets | 8.8906% | 4,831 |
| Core capital (leverage) ratio | 9.0915% | 4,563 |
| Tier 1 risk-based capital ratio | 9.4926% | 5,235 |
| Total risk-based capital ratio | 10.7434% | 5,216 |
| Memoranda: | ||
| Average total assets | $516,454,000 | 1,390 |
| Average earning assets | $481,813,000 | 1,379 |
| Average equity | $45,204,750 | 1,752 |
| Average total loans | $412,666,500 | 1,245 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3408% | 3,512 |
| Cost of funding earning assets | 1.5168% | 356 |
| Net interest margin | 2.8240% | 4,899 |
| Noninterest income to average assets | 0.5362% | 2,465 |
| Noninterest expense to average assets | 2.5271% | 3,395 |
| Loan and lease loss provision to assets | 0.0275% | 3,268 |
| Net operating income to assets | 0.5475% | 4,428 |
| Return on assets (ROA) | 0.5475% | 4,464 |
| Pretax return on assets | 0.6204% | 4,505 |
| Return on Equity (ROE) | 6.2881% | 3,955 |
| Retained earnings to average equity (ytd only) | 6.2881% | 2,149 |
| Net charge-offs to loans | 0.4598% | 351 |
| Credit loss provision to net charge-offs | 7.5212% | 2,699 |
| Earnings coverage of net charge-offs (x) | 1.7691% | 2,992 |
| Efficiency ratio | 79.5918% | 1,000 |
| Assets per employee ($millions) | 7.0725% | 969 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,431 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4320% | 1,484 |
| Loan loss allowance to noncurrent loans | 129.9250% | 2,889 |
| Noncurrent assets plus other real estate owned to assets | 1.3354% | 931 |
| Noncurrent loans to loans | 1.1022% | 1,488 |
| Net loans and leases to total assets | 79.7121% | 931 |
| Net loans and leases to deposits | 92.0655% | 1,482 |
| Net loans and leases to core deposits | 105.2387% | 1,290 |
| Total domestic deposits to total assets | 86.5819% | 1,778 |
| Equity capital to assets | 8.7591% | 4,919 |
| Core capital (leverage) ratio | 9.0360% | 4,601 |
| Tier 1 risk-based capital ratio | 9.4440% | 5,280 |
| Total risk-based capital ratio | 10.6821% | 5,264 |
| Memoranda: | ||
| Average total assets | $515,451,670 | 1,389 |
| Average earning assets | $481,663,670 | 1,380 |
| Average equity | $44,878,670 | 1,761 |
| Average total loans | $410,578,000 | 1,253 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3646% | 3,359 |
| Cost of funding earning assets | 1.4967% | 329 |
| Net interest margin | 2.8679% | 4,917 |
| Noninterest income to average assets | 0.4434% | 2,886 |
| Noninterest expense to average assets | 2.5971% | 3,223 |
| Loan and lease loss provision to assets | 0.0305% | 3,011 |
| Net operating income to assets | 0.4590% | 4,623 |
| Return on assets (ROA) | 0.4590% | 4,639 |
| Pretax return on assets | 0.4966% | 4,694 |
| Return on Equity (ROE) | 5.2886% | 4,251 |
| Retained earnings to average equity (ytd only) | 5.2886% | 2,781 |
| Net charge-offs to loans | -0.0762% | 4,957 |
| Credit loss provision to net charge-offs | -50.6494% | 3,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.1289% | 780 |
| Assets per employee ($millions) | 7.2272% | 904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7426% | 789 |
| Loan loss allowance to noncurrent loans | 247.9775% | 1,830 |
| Noncurrent assets plus other real estate owned to assets | 1.0069% | 1,391 |
| Noncurrent loans to loans | 0.7027% | 2,266 |
| Net loans and leases to total assets | 77.4700% | 1,243 |
| Net loans and leases to deposits | 91.6172% | 1,443 |
| Net loans and leases to core deposits | 125.0633% | 403 |
| Total domestic deposits to total assets | 84.5584% | 2,833 |
| Equity capital to assets | 8.7275% | 4,863 |
| Core capital (leverage) ratio | 8.8409% | 4,761 |
| Tier 1 risk-based capital ratio | 9.6792% | 5,319 |
| Total risk-based capital ratio | 10.9321% | 5,298 |
| Memoranda: | ||
| Average total assets | $511,496,500 | 1,408 |
| Average earning assets | $478,121,000 | 1,392 |
| Average equity | $44,397,000 | 1,766 |
| Average total loans | $404,245,000 | 1,272 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2800% | 3,182 |
| Cost of funding earning assets | 1.2289% | 301 |
| Net interest margin | 3.0511% | 4,728 |
| Noninterest income to average assets | 0.5893% | 2,354 |
| Noninterest expense to average assets | 2.3904% | 3,909 |
| Loan and lease loss provision to assets | 0.9590% | 92 |
| Net operating income to assets | 0.1468% | 5,149 |
| Return on assets (ROA) | 0.1468% | 5,143 |
| Pretax return on assets | 0.0720% | 5,194 |
| Return on Equity (ROE) | 1.7373% | 5,079 |
| Retained earnings to average equity (ytd only) | 1.7373% | 4,449 |
| Net charge-offs to loans | 0.8249% | 182 |
| Credit loss provision to net charge-offs | 145.3430% | 1,872 |
| Earnings coverage of net charge-offs (x) | 1.5626% | 3,612 |
| Efficiency ratio | 69.8647% | 2,212 |
| Assets per employee ($millions) | 7.3893% | 837 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,013 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7169% | 805 |
| Loan loss allowance to noncurrent loans | 196.2921% | 2,269 |
| Noncurrent assets plus other real estate owned to assets | 1.1927% | 1,100 |
| Noncurrent loans to loans | 0.8747% | 1,841 |
| Net loans and leases to total assets | 77.8607% | 1,291 |
| Net loans and leases to deposits | 92.0826% | 1,544 |
| Net loans and leases to core deposits | 123.5001% | 458 |
| Total domestic deposits to total assets | 84.5553% | 2,813 |
| Equity capital to assets | 8.6318% | 4,855 |
| Core capital (leverage) ratio | 8.9281% | 4,714 |
| Tier 1 risk-based capital ratio | 9.6367% | 5,361 |
| Total risk-based capital ratio | 10.8896% | 5,333 |
| Memoranda: | ||
| Average total assets | $481,627,400 | 1,454 |
| Average earning assets | $447,082,200 | 1,459 |
| Average equity | $40,696,400 | 1,828 |
| Average total loans | $385,274,400 | 1,290 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2637% | 3,101 |
| Cost of funding earning assets | 1.1455% | 331 |
| Net interest margin | 3.1183% | 4,673 |
| Noninterest income to average assets | 0.6628% | 2,014 |
| Noninterest expense to average assets | 2.5569% | 3,421 |
| Loan and lease loss provision to assets | 1.4859% | 49 |
| Net operating income to assets | -0.2593% | 5,358 |
| Return on assets (ROA) | -0.2593% | 5,355 |
| Pretax return on assets | -0.4914% | 5,381 |
| Return on Equity (ROE) | -3.0868% | 5,371 |
| Retained earnings to average equity (ytd only) | -3.0868% | 5,255 |
| Net charge-offs to loans | 0.0494% | 2,120 |
| Credit loss provision to net charge-offs | 3,751.0638% | 112 |
| Earnings coverage of net charge-offs (x) | 25.1057% | 1,788 |
| Efficiency ratio | 71.9959% | 1,881 |
| Assets per employee ($millions) | 6.8189% | 1,011 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7130% | 189 |
| Loan loss allowance to noncurrent loans | 123.6723% | 3,094 |
| Noncurrent assets plus other real estate owned to assets | 2.4648% | 357 |
| Noncurrent loans to loans | 2.1937% | 646 |
| Net loans and leases to total assets | 78.8243% | 1,194 |
| Net loans and leases to deposits | 95.0332% | 1,268 |
| Net loans and leases to core deposits | 133.4466% | 280 |
| Total domestic deposits to total assets | 82.9440% | 3,323 |
| Equity capital to assets | 7.9944% | 5,182 |
| Core capital (leverage) ratio | 8.1986% | 5,252 |
| Tier 1 risk-based capital ratio | 8.9237% | 5,456 |
| Total risk-based capital ratio | 10.1877% | 5,454 |
| Memoranda: | ||
| Average total assets | $474,569,500 | 1,479 |
| Average earning assets | $439,635,500 | 1,483 |
| Average equity | $39,868,000 | 1,865 |
| Average total loans | $380,614,250 | 1,306 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1965% | 3,123 |
| Cost of funding earning assets | 1.0539% | 360 |
| Net interest margin | 3.1426% | 4,637 |
| Noninterest income to average assets | 0.6742% | 1,982 |
| Noninterest expense to average assets | 2.6047% | 3,311 |
| Loan and lease loss provision to assets | 0.1867% | 953 |
| Net operating income to assets | 0.6649% | 4,307 |
| Return on assets (ROA) | 0.6649% | 4,312 |
| Pretax return on assets | 0.7964% | 4,257 |
| Return on Equity (ROE) | 7.7852% | 3,596 |
| Retained earnings to average equity (ytd only) | 7.7852% | 1,712 |
| Net charge-offs to loans | 0.0727% | 1,606 |
| Credit loss provision to net charge-offs | 321.1679% | 961 |
| Earnings coverage of net charge-offs (x) | 16.9124% | 1,980 |
| Efficiency ratio | 72.5993% | 1,902 |
| Assets per employee ($millions) | 7.4494% | 776 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4993% | 1,399 |
| Loan loss allowance to noncurrent loans | 291.5996% | 1,679 |
| Noncurrent assets plus other real estate owned to assets | 1.0979% | 1,349 |
| Noncurrent loans to loans | 0.5142% | 2,880 |
| Net loans and leases to total assets | 78.6541% | 1,220 |
| Net loans and leases to deposits | 101.2245% | 719 |
| Net loans and leases to core deposits | 136.8091% | 227 |
| Total domestic deposits to total assets | 77.7027% | 4,637 |
| Equity capital to assets | 8.4893% | 4,951 |
| Core capital (leverage) ratio | 8.9049% | 4,783 |
| Tier 1 risk-based capital ratio | 9.5639% | 5,488 |
| Total risk-based capital ratio | 10.8146% | 5,465 |
| Memoranda: | ||
| Average total assets | $471,379,330 | 1,499 |
| Average earning assets | $437,027,000 | 1,500 |
| Average equity | $40,256,000 | 1,849 |
| Average total loans | $376,731,670 | 1,317 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1832% | 2,933 |
| Cost of funding earning assets | 0.9714% | 426 |
| Net interest margin | 3.2118% | 4,419 |
| Noninterest income to average assets | 0.6383% | 2,087 |
| Noninterest expense to average assets | 2.7099% | 3,011 |
| Loan and lease loss provision to assets | 0.2082% | 781 |
| Net operating income to assets | 0.5936% | 4,441 |
| Return on assets (ROA) | 0.5936% | 4,447 |
| Pretax return on assets | 0.7011% | 4,441 |
| Return on Equity (ROE) | 6.9293% | 3,813 |
| Retained earnings to average equity (ytd only) | 6.9293% | 2,310 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.8752% | 1,764 |
| Assets per employee ($millions) | 7.6753% | 716 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5138% | 1,416 |
| Loan loss allowance to noncurrent loans | 275.3241% | 1,758 |
| Noncurrent assets plus other real estate owned to assets | 1.1557% | 1,327 |
| Noncurrent loans to loans | 0.5498% | 2,878 |
| Net loans and leases to total assets | 79.6945% | 979 |
| Net loans and leases to deposits | 98.3064% | 837 |
| Net loans and leases to core deposits | 140.4246% | 209 |
| Total domestic deposits to total assets | 81.0675% | 4,181 |
| Equity capital to assets | 8.5796% | 4,917 |
| Core capital (leverage) ratio | 8.9317% | 4,758 |
| Tier 1 risk-based capital ratio | 9.8216% | 5,530 |
| Total risk-based capital ratio | 11.0728% | 5,487 |
| Memoranda: | ||
| Average total assets | $464,963,500 | 1,527 |
| Average earning assets | $431,532,500 | 1,520 |
| Average equity | $39,831,000 | 1,874 |
| Average total loans | $371,773,000 | 1,335 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0242% | 3,324 |
| Cost of funding earning assets | 0.7754% | 714 |
| Net interest margin | 3.2488% | 4,311 |
| Noninterest income to average assets | 0.8126% | 1,522 |
| Noninterest expense to average assets | 2.5174% | 3,721 |
| Loan and lease loss provision to assets | 0.1715% | 1,280 |
| Net operating income to assets | 0.6361% | 3,868 |
| Return on assets (ROA) | 0.6355% | 3,905 |
| Pretax return on assets | 1.1160% | 3,119 |
| Return on Equity (ROE) | 7.0650% | 3,239 |
| Retained earnings to average equity (ytd only) | 7.0650% | 1,051 |
| Net charge-offs to loans | 0.0465% | 2,858 |
| Credit loss provision to net charge-offs | 463.6943% | 676 |
| Earnings coverage of net charge-offs (x) | 34.8408% | 1,380 |
| Efficiency ratio | 66.1468% | 3,240 |
| Assets per employee ($millions) | 7.6956% | 702 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,098 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5065% | 1,388 |
| Loan loss allowance to noncurrent loans | 288.7020% | 1,704 |
| Noncurrent assets plus other real estate owned to assets | 1.1767% | 1,264 |
| Noncurrent loans to loans | 0.5218% | 2,948 |
| Net loans and leases to total assets | 77.7921% | 1,305 |
| Net loans and leases to deposits | 94.0271% | 1,271 |
| Net loans and leases to core deposits | 133.7997% | 281 |
| Total domestic deposits to total assets | 82.7337% | 3,652 |
| Equity capital to assets | 8.5532% | 5,083 |
| Core capital (leverage) ratio | 8.9376% | 4,720 |
| Tier 1 risk-based capital ratio | 10.0244% | 5,528 |
| Total risk-based capital ratio | 11.2755% | 5,469 |
| Memoranda: | ||
| Average total assets | $424,561,600 | 1,625 |
| Average earning assets | $391,160,600 | 1,629 |
| Average equity | $38,188,000 | 1,924 |
| Average total loans | $337,885,800 | 1,419 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9763% | 3,441 |
| Cost of funding earning assets | 0.7268% | 857 |
| Net interest margin | 3.2495% | 4,328 |
| Noninterest income to average assets | 0.7561% | 1,753 |
| Noninterest expense to average assets | 2.5679% | 3,506 |
| Loan and lease loss provision to assets | 0.2026% | 935 |
| Net operating income to assets | 0.7722% | 3,637 |
| Return on assets (ROA) | 0.7722% | 3,688 |
| Pretax return on assets | 0.9744% | 3,786 |
| Return on Equity (ROE) | 8.4692% | 2,898 |
| Retained earnings to average equity (ytd only) | 8.4692% | 1,029 |
| Net charge-offs to loans | 0.0632% | 2,212 |
| Credit loss provision to net charge-offs | 401.9108% | 765 |
| Earnings coverage of net charge-offs (x) | 23.3501% | 1,819 |
| Efficiency ratio | 68.5700% | 2,773 |
| Assets per employee ($millions) | 7.5455% | 748 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5197% | 1,469 |
| Loan loss allowance to noncurrent loans | 267.3935% | 1,744 |
| Noncurrent assets plus other real estate owned to assets | 1.3015% | 1,232 |
| Noncurrent loans to loans | 0.5683% | 2,991 |
| Net loans and leases to total assets | 78.5474% | 1,190 |
| Net loans and leases to deposits | 97.4194% | 974 |
| Net loans and leases to core deposits | 143.3228% | 169 |
| Total domestic deposits to total assets | 80.6281% | 4,162 |
| Equity capital to assets | 8.7933% | 5,084 |
| Core capital (leverage) ratio | 9.2614% | 4,451 |
| Tier 1 risk-based capital ratio | 10.2236% | 5,536 |
| Total risk-based capital ratio | 11.4751% | 5,489 |
| Memoranda: | ||
| Average total assets | $415,268,750 | 1,663 |
| Average earning assets | $381,955,250 | 1,671 |
| Average equity | $37,861,750 | 1,952 |
| Average total loans | $331,185,750 | 1,450 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9211% | 3,482 |
| Cost of funding earning assets | 0.6649% | 1,066 |
| Net interest margin | 3.2562% | 4,249 |
| Noninterest income to average assets | 0.7673% | 1,698 |
| Noninterest expense to average assets | 2.4634% | 3,880 |
| Loan and lease loss provision to assets | 0.2265% | 766 |
| Net operating income to assets | 0.8231% | 3,282 |
| Return on assets (ROA) | 0.8231% | 3,339 |
| Pretax return on assets | 1.0693% | 3,300 |
| Return on Equity (ROE) | 8.9118% | 2,548 |
| Retained earnings to average equity (ytd only) | 8.9118% | 868 |
| Net charge-offs to loans | 0.0111% | 3,070 |
| Credit loss provision to net charge-offs | 2,550.0000% | 169 |
| Earnings coverage of net charge-offs (x) | 145.8889% | 513 |
| Efficiency ratio | 65.5290% | 3,428 |
| Assets per employee ($millions) | 7.2231% | 836 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5936% | 1,272 |
| Loan loss allowance to noncurrent loans | 250.9593% | 1,827 |
| Noncurrent assets plus other real estate owned to assets | 1.3922% | 1,131 |
| Noncurrent loans to loans | 0.6350% | 2,824 |
| Net loans and leases to total assets | 77.7105% | 1,285 |
| Net loans and leases to deposits | 95.4678% | 1,122 |
| Net loans and leases to core deposits | 133.6391% | 260 |
| Total domestic deposits to total assets | 81.3997% | 4,076 |
| Equity capital to assets | 8.9973% | 4,905 |
| Core capital (leverage) ratio | 9.6332% | 3,981 |
| Tier 1 risk-based capital ratio | 10.5297% | 5,443 |
| Total risk-based capital ratio | 11.7820% | 5,372 |
| Memoranda: | ||
| Average total assets | $405,297,670 | 1,696 |
| Average earning assets | $372,398,670 | 1,715 |
| Average equity | $37,433,670 | 1,964 |
| Average total loans | $323,222,670 | 1,482 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9049% | 3,384 |
| Cost of funding earning assets | 0.6300% | 1,189 |
| Net interest margin | 3.2749% | 4,102 |
| Noninterest income to average assets | 0.7496% | 1,749 |
| Noninterest expense to average assets | 2.4839% | 3,860 |
| Loan and lease loss provision to assets | 0.1520% | 1,216 |
| Net operating income to assets | 0.8428% | 3,024 |
| Return on assets (ROA) | 0.8428% | 3,073 |
| Pretax return on assets | 1.1204% | 2,904 |
| Return on Equity (ROE) | 8.9997% | 2,426 |
| Retained earnings to average equity (ytd only) | 8.9997% | 1,086 |
| Net charge-offs to loans | 0.0114% | 2,595 |
| Credit loss provision to net charge-offs | 1,666.6667% | 196 |
| Earnings coverage of net charge-offs (x) | 139.5556% | 392 |
| Efficiency ratio | 66.1273% | 3,474 |
| Assets per employee ($millions) | 6.9915% | 960 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5834% | 1,423 |
| Loan loss allowance to noncurrent loans | 247.7495% | 1,895 |
| Noncurrent assets plus other real estate owned to assets | 1.4747% | 1,107 |
| Noncurrent loans to loans | 0.6391% | 2,909 |
| Net loans and leases to total assets | 78.9807% | 992 |
| Net loans and leases to deposits | 100.6170% | 581 |
| Net loans and leases to core deposits | 144.2572% | 138 |
| Total domestic deposits to total assets | 78.4964% | 4,912 |
| Equity capital to assets | 9.3934% | 4,396 |
| Core capital (leverage) ratio | 9.8165% | 3,737 |
| Tier 1 risk-based capital ratio | 11.0544% | 5,279 |
| Total risk-based capital ratio | 12.3070% | 5,180 |
| Memoranda: | ||
| Average total assets | $394,866,500 | 1,757 |
| Average earning assets | $362,516,000 | 1,766 |
| Average equity | $36,979,000 | 1,987 |
| Average total loans | $316,567,000 | 1,506 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9484% | 3,391 |
| Cost of funding earning assets | 0.5344% | 1,835 |
| Net interest margin | 3.4140% | 3,771 |
| Noninterest income to average assets | 0.8982% | 1,420 |
| Noninterest expense to average assets | 2.6183% | 3,623 |
| Loan and lease loss provision to assets | 0.2342% | 923 |
| Net operating income to assets | 0.8315% | 3,147 |
| Return on assets (ROA) | 0.8334% | 3,249 |
| Pretax return on assets | 1.1423% | 2,927 |
| Return on Equity (ROE) | 9.1578% | 2,342 |
| Retained earnings to average equity (ytd only) | 9.1578% | 558 |
| Net charge-offs to loans | 0.0748% | 2,629 |
| Credit loss provision to net charge-offs | 396.4758% | 802 |
| Earnings coverage of net charge-offs (x) | 23.2555% | 1,695 |
| Efficiency ratio | 65.5845% | 3,666 |
| Assets per employee ($millions) | 6.7452% | 1,033 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5709% | 1,441 |
| Loan loss allowance to noncurrent loans | 309.3652% | 1,599 |
| Noncurrent assets plus other real estate owned to assets | 1.3864% | 1,239 |
| Noncurrent loans to loans | 0.5078% | 3,323 |
| Net loans and leases to total assets | 78.8303% | 1,069 |
| Net loans and leases to deposits | 98.9861% | 741 |
| Net loans and leases to core deposits | 136.0354% | 216 |
| Total domestic deposits to total assets | 79.6377% | 4,647 |
| Equity capital to assets | 9.3359% | 4,436 |
| Core capital (leverage) ratio | 9.5651% | 4,009 |
| Tier 1 risk-based capital ratio | 11.0080% | 5,344 |
| Total risk-based capital ratio | 12.2604% | 5,232 |
| Memoranda: | ||
| Average total assets | $384,225,000 | 1,746 |
| Average earning assets | $348,217,400 | 1,788 |
| Average equity | $34,964,600 | 2,077 |
| Average total loans | $303,559,800 | 1,506 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9564% | 3,389 |
| Cost of funding earning assets | 0.5157% | 1,972 |
| Net interest margin | 3.4407% | 3,700 |
| Noninterest income to average assets | 0.8774% | 1,480 |
| Noninterest expense to average assets | 2.6089% | 3,630 |
| Loan and lease loss provision to assets | 0.2789% | 622 |
| Net operating income to assets | 0.8013% | 3,359 |
| Return on assets (ROA) | 0.8039% | 3,488 |
| Pretax return on assets | 1.1005% | 3,234 |
| Return on Equity (ROE) | 8.8926% | 2,557 |
| Retained earnings to average equity (ytd only) | 8.8926% | 853 |
| Net charge-offs to loans | 0.0589% | 2,506 |
| Credit loss provision to net charge-offs | 601.5038% | 614 |
| Earnings coverage of net charge-offs (x) | 29.6765% | 1,500 |
| Efficiency ratio | 65.4711% | 3,679 |
| Assets per employee ($millions) | 6.8990% | 926 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5779% | 1,542 |
| Loan loss allowance to noncurrent loans | 309.3770% | 1,574 |
| Noncurrent assets plus other real estate owned to assets | 1.4113% | 1,313 |
| Noncurrent loans to loans | 0.5100% | 3,472 |
| Net loans and leases to total assets | 77.9742% | 1,202 |
| Net loans and leases to deposits | 104.2261% | 442 |
| Net loans and leases to core deposits | 141.9631% | 175 |
| Total domestic deposits to total assets | 74.8126% | 5,355 |
| Equity capital to assets | 9.0977% | 5,076 |
| Core capital (leverage) ratio | 9.4490% | 4,251 |
| Tier 1 risk-based capital ratio | 10.7002% | 5,521 |
| Total risk-based capital ratio | 11.9524% | 5,433 |
| Memoranda: | ||
| Average total assets | $382,476,500 | 1,754 |
| Average earning assets | $345,425,750 | 1,803 |
| Average equity | $34,574,750 | 2,111 |
| Average total loans | $301,119,500 | 1,518 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9437% | 3,456 |
| Cost of funding earning assets | 0.5105% | 2,022 |
| Net interest margin | 3.4332% | 3,750 |
| Noninterest income to average assets | 0.8240% | 1,631 |
| Noninterest expense to average assets | 2.6229% | 3,647 |
| Loan and lease loss provision to assets | 0.3167% | 549 |
| Net operating income to assets | 0.7156% | 3,716 |
| Return on assets (ROA) | 0.7195% | 3,859 |
| Pretax return on assets | 0.9813% | 3,655 |
| Return on Equity (ROE) | 7.9767% | 2,988 |
| Retained earnings to average equity (ytd only) | 7.9767% | 1,174 |
| Net charge-offs to loans | 0.1203% | 1,629 |
| Credit loss provision to net charge-offs | 335.1955% | 881 |
| Earnings coverage of net charge-offs (x) | 13.6816% | 2,108 |
| Efficiency ratio | 66.9857% | 3,539 |
| Assets per employee ($millions) | 7.1814% | 813 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5304% | 1,754 |
| Loan loss allowance to noncurrent loans | 417.3369% | 1,239 |
| Noncurrent assets plus other real estate owned to assets | 1.3261% | 1,517 |
| Noncurrent loans to loans | 0.3667% | 4,048 |
| Net loans and leases to total assets | 74.7149% | 1,700 |
| Net loans and leases to deposits | 101.3007% | 610 |
| Net loans and leases to core deposits | 127.6178% | 340 |
| Total domestic deposits to total assets | 73.7555% | 5,544 |
| Equity capital to assets | 8.6789% | 5,499 |
| Core capital (leverage) ratio | 9.5046% | 4,204 |
| Tier 1 risk-based capital ratio | 10.6141% | 5,620 |
| Total risk-based capital ratio | 11.8658% | 5,537 |
| Memoranda: | ||
| Average total assets | $378,887,330 | 1,767 |
| Average earning assets | $341,200,670 | 1,826 |
| Average equity | $34,174,330 | 2,138 |
| Average total loans | $297,644,330 | 1,531 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0379% | 3,077 |
| Cost of funding earning assets | 0.5248% | 1,910 |
| Net interest margin | 3.5131% | 3,415 |
| Noninterest income to average assets | 0.7417% | 1,851 |
| Noninterest expense to average assets | 2.7066% | 3,390 |
| Loan and lease loss provision to assets | 0.3268% | 467 |
| Net operating income to assets | 0.6562% | 3,948 |
| Return on assets (ROA) | 0.6644% | 4,030 |
| Pretax return on assets | 0.8909% | 3,880 |
| Return on Equity (ROE) | 7.2168% | 3,338 |
| Retained earnings to average equity (ytd only) | 7.2168% | 1,786 |
| Net charge-offs to loans | 0.1484% | 1,223 |
| Credit loss provision to net charge-offs | 275.2294% | 899 |
| Earnings coverage of net charge-offs (x) | 10.1651% | 1,942 |
| Efficiency ratio | 69.1623% | 3,272 |
| Assets per employee ($millions) | 6.3281% | 1,201 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5088% | 1,945 |
| Loan loss allowance to noncurrent loans | 855.4913% | 655 |
| Noncurrent assets plus other real estate owned to assets | 1.2898% | 1,671 |
| Noncurrent loans to loans | 0.1764% | 4,780 |
| Net loans and leases to total assets | 78.9648% | 957 |
| Net loans and leases to deposits | 104.2056% | 401 |
| Net loans and leases to core deposits | 125.5065% | 344 |
| Total domestic deposits to total assets | 75.7779% | 5,432 |
| Equity capital to assets | 9.2867% | 4,900 |
| Core capital (leverage) ratio | 9.5205% | 4,162 |
| Tier 1 risk-based capital ratio | 10.7827% | 5,618 |
| Total risk-based capital ratio | 12.0339% | 5,522 |
| Memoranda: | ||
| Average total assets | $367,252,500 | 1,827 |
| Average earning assets | $331,555,000 | 1,876 |
| Average equity | $33,810,000 | 2,153 |
| Average total loans | $293,896,000 | 1,547 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9677% | 3,440 |
| Cost of funding earning assets | 0.6050% | 1,333 |
| Net interest margin | 3.3627% | 4,064 |
| Noninterest income to average assets | 0.8192% | 1,708 |
| Noninterest expense to average assets | 2.8237% | 3,136 |
| Loan and lease loss provision to assets | 0.2091% | 1,003 |
| Net operating income to assets | 0.6012% | 4,260 |
| Return on assets (ROA) | 0.6071% | 4,334 |
| Pretax return on assets | 0.8045% | 4,168 |
| Return on Equity (ROE) | 6.7111% | 3,679 |
| Retained earnings to average equity (ytd only) | 6.7111% | 1,430 |
| Net charge-offs to loans | 0.2142% | 1,375 |
| Credit loss provision to net charge-offs | 124.6281% | 2,087 |
| Earnings coverage of net charge-offs (x) | 5.9950% | 3,296 |
| Efficiency ratio | 73.7345% | 2,624 |
| Assets per employee ($millions) | 6.3357% | 1,175 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4476% | 2,218 |
| Loan loss allowance to noncurrent loans | 709.3489% | 806 |
| Noncurrent assets plus other real estate owned to assets | 1.3405% | 1,576 |
| Noncurrent loans to loans | 0.2041% | 4,685 |
| Net loans and leases to total assets | 78.7206% | 1,028 |
| Net loans and leases to deposits | 106.2136% | 356 |
| Net loans and leases to core deposits | 130.6616% | 259 |
| Total domestic deposits to total assets | 74.1154% | 5,629 |
| Equity capital to assets | 9.1258% | 4,993 |
| Core capital (leverage) ratio | 9.5866% | 4,060 |
| Tier 1 risk-based capital ratio | 10.7134% | 5,666 |
| Total risk-based capital ratio | 11.9644% | 5,584 |
| Memoranda: | ||
| Average total assets | $360,590,600 | 1,821 |
| Average earning assets | $322,802,800 | 1,877 |
| Average equity | $32,617,800 | 2,164 |
| Average total loans | $282,381,200 | 1,540 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9760% | 3,435 |
| Cost of funding earning assets | 0.6124% | 1,326 |
| Net interest margin | 3.3636% | 4,094 |
| Noninterest income to average assets | 0.9422% | 1,338 |
| Noninterest expense to average assets | 2.8782% | 2,917 |
| Loan and lease loss provision to assets | 0.2147% | 892 |
| Net operating income to assets | 0.6375% | 4,198 |
| Return on assets (ROA) | 0.6453% | 4,268 |
| Pretax return on assets | 0.8653% | 4,116 |
| Return on Equity (ROE) | 7.1505% | 3,543 |
| Retained earnings to average equity (ytd only) | 7.1505% | 1,621 |
| Net charge-offs to loans | 0.2012% | 1,284 |
| Credit loss provision to net charge-offs | 136.9668% | 1,799 |
| Earnings coverage of net charge-offs (x) | 6.8223% | 2,994 |
| Efficiency ratio | 72.9061% | 2,733 |
| Assets per employee ($millions) | 6.1076% | 1,293 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4949% | 2,181 |
| Loan loss allowance to noncurrent loans | 429.8990% | 1,178 |
| Noncurrent assets plus other real estate owned to assets | 1.8679% | 1,120 |
| Noncurrent loans to loans | 0.3477% | 4,366 |
| Net loans and leases to total assets | 77.8267% | 1,131 |
| Net loans and leases to deposits | 110.3883% | 246 |
| Net loans and leases to core deposits | 133.0798% | 234 |
| Total domestic deposits to total assets | 70.5027% | 5,951 |
| Equity capital to assets | 9.2197% | 5,096 |
| Core capital (leverage) ratio | 9.6335% | 4,133 |
| Tier 1 risk-based capital ratio | 11.1500% | 5,575 |
| Total risk-based capital ratio | 12.4015% | 5,465 |
| Memoranda: | ||
| Average total assets | $358,870,000 | 1,841 |
| Average earning assets | $320,681,750 | 1,899 |
| Average equity | $32,388,500 | 2,195 |
| Average total loans | $279,595,000 | 1,563 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9302% | 3,574 |
| Cost of funding earning assets | 0.6047% | 1,377 |
| Net interest margin | 3.3255% | 4,188 |
| Noninterest income to average assets | 0.8550% | 1,592 |
| Noninterest expense to average assets | 2.9422% | 2,743 |
| Loan and lease loss provision to assets | 0.2249% | 841 |
| Net operating income to assets | 0.5113% | 4,719 |
| Return on assets (ROA) | 0.5235% | 4,774 |
| Pretax return on assets | 0.6714% | 4,753 |
| Return on Equity (ROE) | 5.8424% | 4,210 |
| Retained earnings to average equity (ytd only) | 5.8424% | 2,334 |
| Net charge-offs to loans | 0.2512% | 1,032 |
| Credit loss provision to net charge-offs | 115.4728% | 1,862 |
| Earnings coverage of net charge-offs (x) | 4.5215% | 3,030 |
| Efficiency ratio | 76.9635% | 2,208 |
| Assets per employee ($millions) | 5.9712% | 1,380 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4527% | 2,499 |
| Loan loss allowance to noncurrent loans | 442.8571% | 1,138 |
| Noncurrent assets plus other real estate owned to assets | 2.0841% | 1,040 |
| Noncurrent loans to loans | 0.3280% | 4,516 |
| Net loans and leases to total assets | 77.3633% | 1,156 |
| Net loans and leases to deposits | 108.2243% | 298 |
| Net loans and leases to core deposits | 132.1904% | 240 |
| Total domestic deposits to total assets | 71.4843% | 5,957 |
| Equity capital to assets | 8.9262% | 5,308 |
| Core capital (leverage) ratio | 9.4197% | 4,390 |
| Tier 1 risk-based capital ratio | 10.4556% | 5,939 |
| Total risk-based capital ratio | 11.7061% | 5,880 |
| Memoranda: | ||
| Average total assets | $358,377,330 | 1,850 |
| Average earning assets | $319,829,000 | 1,920 |
| Average equity | $32,110,330 | 2,217 |
| Average total loans | $277,892,330 | 1,577 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9196% | 3,520 |
| Cost of funding earning assets | 0.5988% | 1,445 |
| Net interest margin | 3.3208% | 4,126 |
| Noninterest income to average assets | 0.8170% | 1,650 |
| Noninterest expense to average assets | 2.8910% | 2,937 |
| Loan and lease loss provision to assets | 0.2566% | 635 |
| Net operating income to assets | 0.4952% | 4,704 |
| Return on assets (ROA) | 0.5233% | 4,687 |
| Pretax return on assets | 0.6696% | 4,693 |
| Return on Equity (ROE) | 5.8291% | 4,121 |
| Retained earnings to average equity (ytd only) | 5.8291% | 2,593 |
| Net charge-offs to loans | 0.5112% | 491 |
| Credit loss provision to net charge-offs | 65.1429% | 1,956 |
| Earnings coverage of net charge-offs (x) | 2.2600% | 2,795 |
| Efficiency ratio | 76.4583% | 2,435 |
| Assets per employee ($millions) | 5.8196% | 1,537 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4409% | 2,734 |
| Loan loss allowance to noncurrent loans | 319.0056% | 1,499 |
| Noncurrent assets plus other real estate owned to assets | 2.4040% | 909 |
| Noncurrent loans to loans | 0.4517% | 4,231 |
| Net loans and leases to total assets | 76.6484% | 1,117 |
| Net loans and leases to deposits | 112.1268% | 180 |
| Net loans and leases to core deposits | 132.5762% | 221 |
| Total domestic deposits to total assets | 68.3587% | 6,188 |
| Equity capital to assets | 9.0528% | 5,227 |
| Core capital (leverage) ratio | 9.3759% | 4,465 |
| Tier 1 risk-based capital ratio | 10.6833% | 5,944 |
| Total risk-based capital ratio | 11.9325% | 5,871 |
| Memoranda: | ||
| Average total assets | $355,445,500 | 1,870 |
| Average earning assets | $317,275,000 | 1,946 |
| Average equity | $31,909,000 | 2,239 |
| Average total loans | $273,867,000 | 1,599 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9474% | 3,937 |
| Cost of funding earning assets | 0.6503% | 1,405 |
| Net interest margin | 3.2971% | 4,573 |
| Noninterest income to average assets | 0.8813% | 1,562 |
| Noninterest expense to average assets | 2.7986% | 3,490 |
| Loan and lease loss provision to assets | 0.3309% | 589 |
| Net operating income to assets | 0.5461% | 4,610 |
| Return on assets (ROA) | 0.5398% | 4,726 |
| Pretax return on assets | 0.6936% | 4,648 |
| Return on Equity (ROE) | 5.9492% | 4,175 |
| Retained earnings to average equity (ytd only) | 5.9492% | 1,959 |
| Net charge-offs to loans | 0.3361% | 1,305 |
| Credit loss provision to net charge-offs | 131.5429% | 1,814 |
| Earnings coverage of net charge-offs (x) | 4.1051% | 3,740 |
| Efficiency ratio | 73.0492% | 3,022 |
| Assets per employee ($millions) | 5.6491% | 1,653 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5093% | 2,432 |
| Loan loss allowance to noncurrent loans | 185.0181% | 2,385 |
| Noncurrent assets plus other real estate owned to assets | 2.5241% | 910 |
| Noncurrent loans to loans | 0.8157% | 3,277 |
| Net loans and leases to total assets | 75.1787% | 1,389 |
| Net loans and leases to deposits | 114.2405% | 162 |
| Net loans and leases to core deposits | 131.2176% | 229 |
| Total domestic deposits to total assets | 65.8074% | 6,329 |
| Equity capital to assets | 8.9018% | 5,378 |
| Core capital (leverage) ratio | 9.1624% | 4,729 |
| Tier 1 risk-based capital ratio | 11.3048% | 5,768 |
| Total risk-based capital ratio | 12.5572% | 5,687 |
| Memoranda: | ||
| Average total assets | $347,889,800 | 1,872 |
| Average earning assets | $311,239,200 | 1,924 |
| Average equity | $31,567,200 | 2,189 |
| Average total loans | $260,305,200 | 1,630 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9500% | 3,964 |
| Cost of funding earning assets | 0.6593% | 1,394 |
| Net interest margin | 3.2908% | 4,642 |
| Noninterest income to average assets | 0.8862% | 1,566 |
| Noninterest expense to average assets | 2.8297% | 3,352 |
| Loan and lease loss provision to assets | 0.1920% | 1,255 |
| Net operating income to assets | 0.6071% | 4,416 |
| Return on assets (ROA) | 0.5990% | 4,535 |
| Pretax return on assets | 0.7975% | 4,373 |
| Return on Equity (ROE) | 6.5695% | 3,922 |
| Retained earnings to average equity (ytd only) | 6.5695% | 2,059 |
| Net charge-offs to loans | 0.2154% | 1,749 |
| Credit loss provision to net charge-offs | 119.7115% | 1,920 |
| Earnings coverage of net charge-offs (x) | 6.2380% | 3,119 |
| Efficiency ratio | 73.8829% | 2,837 |
| Assets per employee ($millions) | 5.5000% | 1,723 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4956% | 2,738 |
| Loan loss allowance to noncurrent loans | 106.4595% | 3,511 |
| Noncurrent assets plus other real estate owned to assets | 3.0245% | 776 |
| Noncurrent loans to loans | 1.4048% | 2,308 |
| Net loans and leases to total assets | 74.2470% | 1,484 |
| Net loans and leases to deposits | 109.9168% | 222 |
| Net loans and leases to core deposits | 128.5318% | 249 |
| Total domestic deposits to total assets | 67.5483% | 6,363 |
| Equity capital to assets | 8.9659% | 5,388 |
| Core capital (leverage) ratio | 9.0646% | 4,977 |
| Tier 1 risk-based capital ratio | 11.5628% | 5,760 |
| Total risk-based capital ratio | 12.8148% | 5,681 |
| Memoranda: | ||
| Average total assets | $345,888,250 | 1,892 |
| Average earning assets | $309,424,000 | 1,951 |
| Average equity | $31,538,750 | 2,195 |
| Average total loans | $257,467,000 | 1,652 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9195% | 4,053 |
| Cost of funding earning assets | 0.6561% | 1,463 |
| Net interest margin | 3.2633% | 4,723 |
| Noninterest income to average assets | 0.8933% | 1,519 |
| Noninterest expense to average assets | 2.9044% | 3,149 |
| Loan and lease loss provision to assets | 0.2175% | 1,075 |
| Net operating income to assets | 0.5398% | 4,652 |
| Return on assets (ROA) | 0.5398% | 4,749 |
| Pretax return on assets | 0.6949% | 4,659 |
| Return on Equity (ROE) | 5.8872% | 4,222 |
| Retained earnings to average equity (ytd only) | 5.8872% | 2,391 |
| Net charge-offs to loans | 0.2381% | 1,621 |
| Credit loss provision to net charge-offs | 123.2787% | 1,688 |
| Earnings coverage of net charge-offs (x) | 5.1705% | 2,973 |
| Efficiency ratio | 76.0952% | 2,615 |
| Assets per employee ($millions) | 5.6663% | 1,554 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5079% | 2,863 |
| Loan loss allowance to noncurrent loans | 99.8462% | 3,652 |
| Noncurrent assets plus other real estate owned to assets | 3.0344% | 838 |
| Noncurrent loans to loans | 1.5102% | 2,309 |
| Net loans and leases to total assets | 72.4172% | 1,666 |
| Net loans and leases to deposits | 107.6517% | 260 |
| Net loans and leases to core deposits | 121.9678% | 335 |
| Total domestic deposits to total assets | 67.2699% | 6,446 |
| Equity capital to assets | 8.7410% | 5,583 |
| Core capital (leverage) ratio | 9.0138% | 4,999 |
| Tier 1 risk-based capital ratio | 11.4766% | 5,813 |
| Total risk-based capital ratio | 12.7288% | 5,764 |
| Memoranda: | ||
| Average total assets | $345,683,330 | 1,890 |
| Average earning assets | $309,686,000 | 1,941 |
| Average equity | $31,696,000 | 2,176 |
| Average total loans | $256,231,330 | 1,652 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8661% | 4,224 |
| Cost of funding earning assets | 0.6603% | 1,509 |
| Net interest margin | 3.2058% | 4,905 |
| Noninterest income to average assets | 0.8225% | 1,663 |
| Noninterest expense to average assets | 2.9317% | 3,112 |
| Loan and lease loss provision to assets | 0.2158% | 1,060 |
| Net operating income to assets | 0.4538% | 4,920 |
| Return on assets (ROA) | 0.4538% | 4,992 |
| Pretax return on assets | 0.5635% | 4,970 |
| Return on Equity (ROE) | 4.8338% | 4,622 |
| Retained earnings to average equity (ytd only) | 4.8338% | 3,210 |
| Net charge-offs to loans | -0.0549% | 5,841 |
| Credit loss provision to net charge-offs | -528.5714% | 5,203 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.0003% | 2,338 |
| Assets per employee ($millions) | 5.5865% | 1,625 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5626% | 2,874 |
| Loan loss allowance to noncurrent loans | 84.0574% | 4,053 |
| Noncurrent assets plus other real estate owned to assets | 2.7537% | 1,096 |
| Noncurrent loans to loans | 1.8589% | 2,052 |
| Net loans and leases to total assets | 73.5525% | 1,338 |
| Net loans and leases to deposits | 106.1283% | 237 |
| Net loans and leases to core deposits | 118.9872% | 343 |
| Total domestic deposits to total assets | 69.3052% | 6,470 |
| Equity capital to assets | 8.6874% | 5,452 |
| Core capital (leverage) ratio | 9.0673% | 4,912 |
| Tier 1 risk-based capital ratio | 11.3420% | 5,998 |
| Total risk-based capital ratio | 12.5951% | 5,945 |
| Memoranda: | ||
| Average total assets | $342,870,000 | 1,915 |
| Average earning assets | $308,943,000 | 1,959 |
| Average equity | $32,190,000 | 2,142 |
| Average total loans | $255,195,000 | 1,668 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9585% | 4,246 |
| Cost of funding earning assets | 0.7368% | 1,581 |
| Net interest margin | 3.2216% | 4,926 |
| Noninterest income to average assets | 0.8244% | 1,965 |
| Noninterest expense to average assets | 2.8125% | 3,682 |
| Loan and lease loss provision to assets | 0.3067% | 1,089 |
| Net operating income to assets | 0.4799% | 4,817 |
| Return on assets (ROA) | 0.4804% | 4,960 |
| Pretax return on assets | 0.6401% | 4,738 |
| Return on Equity (ROE) | 4.6325% | 4,821 |
| Retained earnings to average equity (ytd only) | 4.6325% | 2,861 |
| Net charge-offs to loans | 0.5787% | 1,139 |
| Credit loss provision to net charge-offs | 70.6377% | 3,293 |
| Earnings coverage of net charge-offs (x) | 2.1794% | 4,302 |
| Efficiency ratio | 74.8280% | 2,981 |
| Assets per employee ($millions) | 5.4738% | 1,673 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5200% | 3,102 |
| Loan loss allowance to noncurrent loans | 78.2965% | 4,230 |
| Noncurrent assets plus other real estate owned to assets | 2.8320% | 1,140 |
| Noncurrent loans to loans | 1.9413% | 2,059 |
| Net loans and leases to total assets | 73.0054% | 1,518 |
| Net loans and leases to deposits | 101.2501% | 430 |
| Net loans and leases to core deposits | 113.4940% | 482 |
| Total domestic deposits to total assets | 72.1040% | 6,415 |
| Equity capital to assets | 10.1039% | 3,633 |
| Core capital (leverage) ratio | 10.5352% | 2,875 |
| Tier 1 risk-based capital ratio | 13.3375% | 4,759 |
| Total risk-based capital ratio | 14.5900% | 4,699 |
| Memoranda: | ||
| Average total assets | $328,709,000 | 1,963 |
| Average earning assets | $299,383,000 | 1,985 |
| Average equity | $34,085,000 | 2,017 |
| Average total loans | $246,585,400 | 1,681 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9640% | 4,265 |
| Cost of funding earning assets | 0.7554% | 1,568 |
| Net interest margin | 3.2086% | 4,968 |
| Noninterest income to average assets | 0.8117% | 2,088 |
| Noninterest expense to average assets | 2.8024% | 3,655 |
| Loan and lease loss provision to assets | 0.3729% | 836 |
| Net operating income to assets | 0.4255% | 5,136 |
| Return on assets (ROA) | 0.4261% | 5,280 |
| Pretax return on assets | 0.5656% | 5,150 |
| Return on Equity (ROE) | 4.0821% | 5,181 |
| Retained earnings to average equity (ytd only) | 4.0821% | 3,784 |
| Net charge-offs to loans | 0.2244% | 2,465 |
| Credit loss provision to net charge-offs | 220.8232% | 1,104 |
| Earnings coverage of net charge-offs (x) | 5.5521% | 3,164 |
| Efficiency ratio | 74.9289% | 2,919 |
| Assets per employee ($millions) | 5.4722% | 1,656 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9025% | 2,000 |
| Loan loss allowance to noncurrent loans | 79.4971% | 4,089 |
| Noncurrent assets plus other real estate owned to assets | 2.9305% | 1,268 |
| Noncurrent loans to loans | 2.3932% | 1,837 |
| Net loans and leases to total assets | 73.2496% | 1,408 |
| Net loans and leases to deposits | 102.7323% | 339 |
| Net loans and leases to core deposits | 117.1771% | 370 |
| Total domestic deposits to total assets | 71.3014% | 6,533 |
| Equity capital to assets | 10.2066% | 3,634 |
| Core capital (leverage) ratio | 10.4909% | 3,014 |
| Tier 1 risk-based capital ratio | 13.4944% | 4,765 |
| Total risk-based capital ratio | 14.7518% | 4,710 |
| Memoranda: | ||
| Average total assets | $326,042,500 | 1,984 |
| Average earning assets | $297,568,750 | 1,999 |
| Average equity | $34,033,750 | 2,038 |
| Average total loans | $245,335,250 | 1,691 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9703% | 4,222 |
| Cost of funding earning assets | 0.7725% | 1,568 |
| Net interest margin | 3.1978% | 4,957 |
| Noninterest income to average assets | 0.7884% | 2,246 |
| Noninterest expense to average assets | 2.6773% | 4,119 |
| Loan and lease loss provision to assets | 0.4947% | 556 |
| Net operating income to assets | 0.4039% | 5,203 |
| Return on assets (ROA) | 0.4112% | 5,338 |
| Pretax return on assets | 0.5571% | 5,176 |
| Return on Equity (ROE) | 3.9093% | 5,248 |
| Retained earnings to average equity (ytd only) | 3.9093% | 3,805 |
| Net charge-offs to loans | 0.0566% | 3,894 |
| Credit loss provision to net charge-offs | 1,159.4203% | 268 |
| Earnings coverage of net charge-offs (x) | 24.4203% | 1,300 |
| Efficiency ratio | 71.9867% | 3,470 |
| Assets per employee ($millions) | 5.4754% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9665% | 1,923 |
| Loan loss allowance to noncurrent loans | 49.8597% | 5,211 |
| Noncurrent assets plus other real estate owned to assets | 3.0842% | 1,304 |
| Noncurrent loans to loans | 3.9441% | 995 |
| Net loans and leases to total assets | 74.2396% | 1,214 |
| Net loans and leases to deposits | 102.5862% | 310 |
| Net loans and leases to core deposits | 118.2887% | 344 |
| Total domestic deposits to total assets | 72.3680% | 6,542 |
| Equity capital to assets | 10.0971% | 3,794 |
| Core capital (leverage) ratio | 10.5606% | 2,812 |
| Tier 1 risk-based capital ratio | 13.4451% | 4,810 |
| Total risk-based capital ratio | 14.7038% | 4,760 |
| Memoranda: | ||
| Average total assets | $323,455,330 | 2,004 |
| Average earning assets | $296,454,670 | 2,005 |
| Average equity | $34,021,670 | 2,046 |
| Average total loans | $244,029,670 | 1,695 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9605% | 4,264 |
| Cost of funding earning assets | 0.7962% | 1,552 |
| Net interest margin | 3.1642% | 5,046 |
| Noninterest income to average assets | 0.5707% | 3,297 |
| Noninterest expense to average assets | 2.6664% | 4,192 |
| Loan and lease loss provision to assets | 0.5029% | 538 |
| Net operating income to assets | 0.2376% | 5,769 |
| Return on assets (ROA) | 0.2376% | 5,895 |
| Pretax return on assets | 0.2992% | 5,853 |
| Return on Equity (ROE) | 2.2124% | 5,870 |
| Retained earnings to average equity (ytd only) | 2.2124% | 4,900 |
| Net charge-offs to loans | 0.3356% | 1,634 |
| Credit loss provision to net charge-offs | 199.0050% | 1,100 |
| Earnings coverage of net charge-offs (x) | 3.1741% | 2,828 |
| Efficiency ratio | 76.8757% | 2,783 |
| Assets per employee ($millions) | 5.4668% | 1,695 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8271% | 2,523 |
| Loan loss allowance to noncurrent loans | 78.4390% | 4,007 |
| Noncurrent assets plus other real estate owned to assets | 1.9148% | 2,458 |
| Noncurrent loans to loans | 2.3294% | 2,249 |
| Net loans and leases to total assets | 73.9970% | 1,077 |
| Net loans and leases to deposits | 98.8458% | 398 |
| Net loans and leases to core deposits | 116.3396% | 342 |
| Total domestic deposits to total assets | 74.8611% | 6,468 |
| Equity capital to assets | 10.6125% | 3,423 |
| Core capital (leverage) ratio | 10.8510% | 2,402 |
| Tier 1 risk-based capital ratio | 13.7934% | 4,654 |
| Total risk-based capital ratio | 15.0501% | 4,612 |
| Memoranda: | ||
| Average total assets | $318,184,500 | 2,056 |
| Average earning assets | $291,381,000 | 2,070 |
| Average equity | $34,170,500 | 2,065 |
| Average total loans | $239,578,500 | 1,730 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4750% | 3,503 |
| Cost of funding earning assets | 1.0054% | 1,329 |
| Net interest margin | 3.4695% | 4,631 |
| Noninterest income to average assets | 0.3561% | 4,924 |
| Noninterest expense to average assets | 2.7596% | 4,182 |
| Loan and lease loss provision to assets | 0.5151% | 1,138 |
| Net operating income to assets | 0.1885% | 5,812 |
| Return on assets (ROA) | 0.1948% | 5,970 |
| Pretax return on assets | 0.2536% | 5,906 |
| Return on Equity (ROE) | 1.7538% | 5,972 |
| Retained earnings to average equity (ytd only) | 1.7538% | 4,980 |
| Net charge-offs to loans | 0.5984% | 1,939 |
| Credit loss provision to net charge-offs | 113.9535% | 2,552 |
| Earnings coverage of net charge-offs (x) | 1.6824% | 4,596 |
| Efficiency ratio | 78.3948% | 2,374 |
| Assets per employee ($millions) | 5.4108% | 1,772 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7976% | 2,591 |
| Loan loss allowance to noncurrent loans | 69.5346% | 4,277 |
| Noncurrent assets plus other real estate owned to assets | 2.0480% | 2,395 |
| Noncurrent loans to loans | 2.5851% | 2,048 |
| Net loans and leases to total assets | 73.8625% | 1,214 |
| Net loans and leases to deposits | 100.6811% | 385 |
| Net loans and leases to core deposits | 115.7814% | 366 |
| Total domestic deposits to total assets | 73.3629% | 6,591 |
| Equity capital to assets | 10.8694% | 3,104 |
| Core capital (leverage) ratio | 11.1259% | 2,145 |
| Tier 1 risk-based capital ratio | 14.0720% | 4,327 |
| Total risk-based capital ratio | 15.3284% | 4,282 |
| Memoranda: | ||
| Average total assets | $304,388,400 | 2,112 |
| Average earning assets | $277,587,600 | 2,115 |
| Average equity | $33,812,600 | 2,038 |
| Average total loans | $229,936,000 | 1,775 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5646% | 3,361 |
| Cost of funding earning assets | 1.0482% | 1,291 |
| Net interest margin | 3.5165% | 4,578 |
| Noninterest income to average assets | 0.2684% | 5,633 |
| Noninterest expense to average assets | 2.7873% | 4,024 |
| Loan and lease loss provision to assets | 0.5792% | 988 |
| Net operating income to assets | 0.0920% | 6,140 |
| Return on assets (ROA) | 0.1015% | 6,272 |
| Pretax return on assets | 0.1179% | 6,246 |
| Return on Equity (ROE) | 0.9089% | 6,265 |
| Retained earnings to average equity (ytd only) | 0.9089% | 5,805 |
| Net charge-offs to loans | 0.6275% | 1,749 |
| Credit loss provision to net charge-offs | 122.0465% | 2,371 |
| Earnings coverage of net charge-offs (x) | 1.4456% | 4,567 |
| Efficiency ratio | 80.2491% | 2,060 |
| Assets per employee ($millions) | 5.1715% | 1,964 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8980% | 2,484 |
| Loan loss allowance to noncurrent loans | 57.7586% | 4,760 |
| Noncurrent assets plus other real estate owned to assets | 2.7521% | 1,913 |
| Noncurrent loans to loans | 3.2861% | 1,671 |
| Net loans and leases to total assets | 73.8901% | 1,259 |
| Net loans and leases to deposits | 97.8970% | 556 |
| Net loans and leases to core deposits | 112.2870% | 487 |
| Total domestic deposits to total assets | 75.4774% | 6,456 |
| Equity capital to assets | 11.2806% | 2,957 |
| Core capital (leverage) ratio | 11.1948% | 2,213 |
| Tier 1 risk-based capital ratio | 14.4168% | 4,248 |
| Total risk-based capital ratio | 15.6740% | 4,206 |
| Memoranda: | ||
| Average total assets | $302,029,250 | 2,144 |
| Average earning assets | $275,268,000 | 2,156 |
| Average equity | $33,738,000 | 2,058 |
| Average total loans | $228,409,500 | 1,796 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6370% | 3,205 |
| Cost of funding earning assets | 1.0883% | 1,266 |
| Net interest margin | 3.5487% | 4,471 |
| Noninterest income to average assets | 0.4070% | 4,596 |
| Noninterest expense to average assets | 2.7127% | 4,358 |
| Loan and lease loss provision to assets | 0.3079% | 2,146 |
| Net operating income to assets | 0.4260% | 5,126 |
| Return on assets (ROA) | 0.4374% | 5,310 |
| Pretax return on assets | 0.6342% | 5,012 |
| Return on Equity (ROE) | 3.9282% | 5,299 |
| Retained earnings to average equity (ytd only) | 3.9282% | 4,001 |
| Net charge-offs to loans | 0.1658% | 3,615 |
| Credit loss provision to net charge-offs | 245.2632% | 1,171 |
| Earnings coverage of net charge-offs (x) | 7.3737% | 2,490 |
| Efficiency ratio | 74.5597% | 2,980 |
| Assets per employee ($millions) | 5.2840% | 1,835 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9275% | 2,449 |
| Loan loss allowance to noncurrent loans | 55.5313% | 4,843 |
| Noncurrent assets plus other real estate owned to assets | 3.3500% | 1,605 |
| Noncurrent loans to loans | 3.4711% | 1,655 |
| Net loans and leases to total assets | 73.0951% | 1,383 |
| Net loans and leases to deposits | 98.1113% | 522 |
| Net loans and leases to core deposits | 112.5416% | 494 |
| Total domestic deposits to total assets | 74.5021% | 6,637 |
| Equity capital to assets | 11.3277% | 2,753 |
| Core capital (leverage) ratio | 11.0527% | 2,249 |
| Tier 1 risk-based capital ratio | 14.5760% | 4,043 |
| Total risk-based capital ratio | 15.8336% | 4,004 |
| Memoranda: | ||
| Average total assets | $302,723,000 | 2,139 |
| Average earning assets | $275,652,670 | 2,148 |
| Average equity | $33,705,330 | 2,054 |
| Average total loans | $229,239,330 | 1,787 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6198% | 3,415 |
| Cost of funding earning assets | 1.1029% | 1,395 |
| Net interest margin | 3.5169% | 4,605 |
| Noninterest income to average assets | 0.0554% | 6,908 |
| Noninterest expense to average assets | 2.5938% | 4,840 |
| Loan and lease loss provision to assets | 0.0461% | 4,825 |
| Net operating income to assets | 0.4297% | 5,125 |
| Return on assets (ROA) | 0.4297% | 5,315 |
| Pretax return on assets | 0.6221% | 5,043 |
| Return on Equity (ROE) | 3.8927% | 5,342 |
| Retained earnings to average equity (ytd only) | 3.8927% | 4,254 |
| Net charge-offs to loans | 0.0535% | 3,966 |
| Credit loss provision to net charge-offs | 112.9032% | 2,090 |
| Earnings coverage of net charge-offs (x) | 16.3548% | 1,372 |
| Efficiency ratio | 79.5152% | 2,266 |
| Assets per employee ($millions) | 5.6836% | 1,533 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7330% | 3,216 |
| Loan loss allowance to noncurrent loans | 73.0894% | 3,918 |
| Noncurrent assets plus other real estate owned to assets | 2.5918% | 2,283 |
| Noncurrent loans to loans | 2.3710% | 2,732 |
| Net loans and leases to total assets | 73.5579% | 1,134 |
| Net loans and leases to deposits | 96.8531% | 488 |
| Net loans and leases to core deposits | 110.2994% | 524 |
| Total domestic deposits to total assets | 75.9479% | 6,547 |
| Equity capital to assets | 10.7497% | 3,213 |
| Core capital (leverage) ratio | 11.0107% | 2,252 |
| Tier 1 risk-based capital ratio | 13.8813% | 4,544 |
| Total risk-based capital ratio | 15.1368% | 4,523 |
| Memoranda: | ||
| Average total assets | $303,489,500 | 2,145 |
| Average earning assets | $276,720,000 | 2,153 |
| Average equity | $33,499,000 | 2,070 |
| Average total loans | $231,618,000 | 1,778 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8893% | 3,410 |
| Cost of funding earning assets | 1.3411% | 1,287 |
| Net interest margin | 3.5482% | 4,948 |
| Noninterest income to average assets | 0.4517% | 4,200 |
| Noninterest expense to average assets | 2.7555% | 4,532 |
| Loan and lease loss provision to assets | 0.7918% | 1,253 |
| Net operating income to assets | 0.1057% | 5,854 |
| Return on assets (ROA) | 0.1465% | 5,882 |
| Pretax return on assets | 0.1899% | 5,811 |
| Return on Equity (ROE) | 1.2850% | 5,895 |
| Retained earnings to average equity (ytd only) | 1.2850% | 5,254 |
| Net charge-offs to loans | 0.6275% | 2,580 |
| Credit loss provision to net charge-offs | 163.0769% | 1,680 |
| Earnings coverage of net charge-offs (x) | 1.9128% | 4,340 |
| Efficiency ratio | 74.7924% | 3,088 |
| Assets per employee ($millions) | 5.6612% | 1,469 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7671% | 2,976 |
| Loan loss allowance to noncurrent loans | 76.2039% | 3,806 |
| Noncurrent assets plus other real estate owned to assets | 2.7872% | 2,176 |
| Noncurrent loans to loans | 2.3189% | 2,839 |
| Net loans and leases to total assets | 76.4959% | 887 |
| Net loans and leases to deposits | 101.4955% | 394 |
| Net loans and leases to core deposits | 117.0431% | 421 |
| Total domestic deposits to total assets | 75.3688% | 6,554 |
| Equity capital to assets | 11.3441% | 2,647 |
| Core capital (leverage) ratio | 11.3088% | 2,030 |
| Tier 1 risk-based capital ratio | 14.0104% | 4,320 |
| Total risk-based capital ratio | 15.2659% | 4,270 |
| Memoranda: | ||
| Average total assets | $281,148,600 | 2,255 |
| Average earning assets | $256,132,800 | 2,258 |
| Average equity | $32,063,400 | 2,073 |
| Average total loans | $217,532,400 | 1,889 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8741% | 3,663 |
| Cost of funding earning assets | 1.3775% | 1,330 |
| Net interest margin | 3.4966% | 5,204 |
| Noninterest income to average assets | 0.4540% | 4,267 |
| Noninterest expense to average assets | 2.7900% | 4,381 |
| Loan and lease loss provision to assets | 0.9238% | 958 |
| Net operating income to assets | -0.0227% | 6,185 |
| Return on assets (ROA) | 0.0230% | 6,219 |
| Pretax return on assets | -0.0005% | 6,232 |
| Return on Equity (ROE) | 0.2017% | 6,220 |
| Retained earnings to average equity (ytd only) | 0.2017% | 5,896 |
| Net charge-offs to loans | 0.8126% | 1,939 |
| Credit loss provision to net charge-offs | 147.1713% | 2,137 |
| Earnings coverage of net charge-offs (x) | 1.3570% | 4,601 |
| Efficiency ratio | 76.6109% | 2,746 |
| Assets per employee ($millions) | 5.3254% | 1,781 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6829% | 3,326 |
| Loan loss allowance to noncurrent loans | 51.6764% | 4,906 |
| Noncurrent assets plus other real estate owned to assets | 3.7677% | 1,651 |
| Noncurrent loans to loans | 3.2566% | 2,131 |
| Net loans and leases to total assets | 77.3411% | 794 |
| Net loans and leases to deposits | 106.5845% | 238 |
| Net loans and leases to core deposits | 128.3302% | 263 |
| Total domestic deposits to total assets | 72.5632% | 6,891 |
| Equity capital to assets | 11.4802% | 2,697 |
| Core capital (leverage) ratio | 11.4414% | 2,066 |
| Tier 1 risk-based capital ratio | 13.9261% | 4,404 |
| Total risk-based capital ratio | 15.1806% | 4,365 |
| Memoranda: | ||
| Average total assets | $277,840,000 | 2,293 |
| Average earning assets | $253,303,250 | 2,290 |
| Average equity | $31,730,500 | 2,093 |
| Average total loans | $214,605,000 | 1,930 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8156% | 4,030 |
| Cost of funding earning assets | 1.3976% | 1,430 |
| Net interest margin | 3.4180% | 5,489 |
| Noninterest income to average assets | 0.4975% | 3,876 |
| Noninterest expense to average assets | 2.7619% | 4,582 |
| Loan and lease loss provision to assets | 0.6388% | 1,501 |
| Net operating income to assets | 0.1571% | 5,865 |
| Return on assets (ROA) | 0.2353% | 5,731 |
| Pretax return on assets | 0.3278% | 5,604 |
| Return on Equity (ROE) | 2.0637% | 5,766 |
| Retained earnings to average equity (ytd only) | 2.0637% | 4,945 |
| Net charge-offs to loans | 1.0326% | 1,524 |
| Credit loss provision to net charge-offs | 80.6066% | 3,754 |
| Earnings coverage of net charge-offs (x) | 1.0827% | 4,474 |
| Efficiency ratio | 76.2978% | 2,966 |
| Assets per employee ($millions) | 5.2855% | 1,775 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3446% | 4,858 |
| Loan loss allowance to noncurrent loans | 56.4739% | 4,646 |
| Noncurrent assets plus other real estate owned to assets | 2.9986% | 2,237 |
| Noncurrent loans to loans | 2.3810% | 3,008 |
| Net loans and leases to total assets | 78.0243% | 780 |
| Net loans and leases to deposits | 105.8506% | 270 |
| Net loans and leases to core deposits | 132.7948% | 242 |
| Total domestic deposits to total assets | 73.7117% | 6,870 |
| Equity capital to assets | 11.2165% | 2,751 |
| Core capital (leverage) ratio | 11.3450% | 2,013 |
| Tier 1 risk-based capital ratio | 13.7131% | 4,374 |
| Total risk-based capital ratio | 14.9636% | 4,347 |
| Memoranda: | ||
| Average total assets | $274,595,330 | 2,331 |
| Average earning assets | $250,851,000 | 2,321 |
| Average equity | $31,302,670 | 2,111 |
| Average total loans | $210,733,330 | 1,988 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7458% | 4,308 |
| Cost of funding earning assets | 1.4159% | 1,532 |
| Net interest margin | 3.3299% | 5,677 |
| Noninterest income to average assets | 0.6077% | 3,106 |
| Noninterest expense to average assets | 2.8003% | 4,441 |
| Loan and lease loss provision to assets | 0.3723% | 2,324 |
| Net operating income to assets | 0.3399% | 5,227 |
| Return on assets (ROA) | 0.3399% | 5,304 |
| Pretax return on assets | 0.4944% | 5,047 |
| Return on Equity (ROE) | 2.9574% | 5,392 |
| Retained earnings to average equity (ytd only) | 2.9574% | 4,391 |
| Net charge-offs to loans | 0.6507% | 1,903 |
| Credit loss provision to net charge-offs | 75.7485% | 3,243 |
| Earnings coverage of net charge-offs (x) | 1.7635% | 3,422 |
| Efficiency ratio | 76.3644% | 3,098 |
| Assets per employee ($millions) | 6.9814% | 745 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5001% | 4,212 |
| Loan loss allowance to noncurrent loans | 53.3459% | 4,814 |
| Noncurrent assets plus other real estate owned to assets | 3.3797% | 2,018 |
| Noncurrent loans to loans | 2.8120% | 2,683 |
| Net loans and leases to total assets | 74.9771% | 1,182 |
| Net loans and leases to deposits | 103.5428% | 325 |
| Net loans and leases to core deposits | 126.9158% | 306 |
| Total domestic deposits to total assets | 72.4117% | 7,050 |
| Equity capital to assets | 11.5016% | 2,266 |
| Core capital (leverage) ratio | 11.6708% | 1,759 |
| Tier 1 risk-based capital ratio | 14.4400% | 3,781 |
| Total risk-based capital ratio | 15.6922% | 3,737 |
| Memoranda: | ||
| Average total assets | $271,827,000 | 2,372 |
| Average earning assets | $249,738,500 | 2,349 |
| Average equity | $31,243,500 | 2,097 |
| Average total loans | $205,325,000 | 2,047 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1164% | 4,023 |
| Cost of funding earning assets | 1.8880% | 884 |
| Net interest margin | 3.2284% | 6,197 |
| Noninterest income to average assets | 0.4890% | 4,254 |
| Noninterest expense to average assets | 2.7092% | 4,947 |
| Loan and lease loss provision to assets | 0.2952% | 4,438 |
| Net operating income to assets | 0.2971% | 4,948 |
| Return on assets (ROA) | 0.2971% | 5,112 |
| Pretax return on assets | 0.4304% | 4,850 |
| Return on Equity (ROE) | 2.6653% | 5,103 |
| Retained earnings to average equity (ytd only) | 2.6653% | 3,997 |
| Net charge-offs to loans | 0.6259% | 3,147 |
| Credit loss provision to net charge-offs | 61.6679% | 6,057 |
| Earnings coverage of net charge-offs (x) | 1.5157% | 4,617 |
| Efficiency ratio | 78.8738% | 2,553 |
| Assets per employee ($millions) | 6.9584% | 758 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5684% | 3,706 |
| Loan loss allowance to noncurrent loans | 52.5449% | 4,863 |
| Noncurrent assets plus other real estate owned to assets | 3.5187% | 1,964 |
| Noncurrent loans to loans | 2.9848% | 2,562 |
| Net loans and leases to total assets | 73.7739% | 1,702 |
| Net loans and leases to deposits | 100.8798% | 532 |
| Net loans and leases to core deposits | 123.3523% | 441 |
| Total domestic deposits to total assets | 73.1306% | 6,988 |
| Equity capital to assets | 11.4862% | 2,270 |
| Core capital (leverage) ratio | 11.3073% | 1,953 |
| Tier 1 risk-based capital ratio | 14.5666% | 3,501 |
| Total risk-based capital ratio | 15.8194% | 3,458 |
| Memoranda: | ||
| Average total assets | $273,000,200 | 2,337 |
| Average earning assets | $249,102,200 | 2,349 |
| Average equity | $30,428,400 | 2,146 |
| Average total loans | $208,820,800 | 2,082 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1659% | 4,008 |
| Cost of funding earning assets | 1.9851% | 790 |
| Net interest margin | 3.1808% | 6,409 |
| Noninterest income to average assets | 0.5199% | 4,032 |
| Noninterest expense to average assets | 2.7104% | 4,838 |
| Loan and lease loss provision to assets | 0.1317% | 5,711 |
| Net operating income to assets | 0.3896% | 4,792 |
| Return on assets (ROA) | 0.3896% | 4,974 |
| Pretax return on assets | 0.5720% | 4,686 |
| Return on Equity (ROE) | 3.5225% | 4,995 |
| Retained earnings to average equity (ytd only) | 3.5225% | 3,975 |
| Net charge-offs to loans | 0.5551% | 3,091 |
| Credit loss provision to net charge-offs | 30.8571% | 6,144 |
| Earnings coverage of net charge-offs (x) | 1.6491% | 4,473 |
| Efficiency ratio | 79.3887% | 2,438 |
| Assets per employee ($millions) | 7.0490% | 753 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5022% | 3,946 |
| Loan loss allowance to noncurrent loans | 67.0432% | 3,967 |
| Noncurrent assets plus other real estate owned to assets | 3.2934% | 2,166 |
| Noncurrent loans to loans | 2.2407% | 3,402 |
| Net loans and leases to total assets | 73.6038% | 1,889 |
| Net loans and leases to deposits | 103.0831% | 478 |
| Net loans and leases to core deposits | 136.0925% | 301 |
| Total domestic deposits to total assets | 71.4024% | 7,191 |
| Equity capital to assets | 11.4233% | 2,590 |
| Core capital (leverage) ratio | 11.2774% | 2,080 |
| Tier 1 risk-based capital ratio | 14.2405% | 3,673 |
| Total risk-based capital ratio | 15.4923% | 3,631 |
| Memoranda: | ||
| Average total assets | $273,405,500 | 2,361 |
| Average earning assets | $248,780,250 | 2,390 |
| Average equity | $30,242,750 | 2,179 |
| Average total loans | $210,176,750 | 2,098 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2066% | 3,921 |
| Cost of funding earning assets | 2.0696% | 734 |
| Net interest margin | 3.1370% | 6,497 |
| Noninterest income to average assets | 0.4331% | 4,660 |
| Noninterest expense to average assets | 2.6559% | 5,097 |
| Loan and lease loss provision to assets | 0.0198% | 6,731 |
| Net operating income to assets | 0.4148% | 4,691 |
| Return on assets (ROA) | 0.4148% | 4,845 |
| Pretax return on assets | 0.6090% | 4,543 |
| Return on Equity (ROE) | 3.7916% | 4,880 |
| Retained earnings to average equity (ytd only) | 3.7916% | 3,680 |
| Net charge-offs to loans | 0.3438% | 3,626 |
| Credit loss provision to net charge-offs | 7.4176% | 5,969 |
| Earnings coverage of net charge-offs (x) | 2.3571% | 3,819 |
| Efficiency ratio | 80.8568% | 2,321 |
| Assets per employee ($millions) | 7.3866% | 649 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5994% | 3,447 |
| Loan loss allowance to noncurrent loans | 106.4086% | 2,617 |
| Noncurrent assets plus other real estate owned to assets | 2.6289% | 2,749 |
| Noncurrent loans to loans | 1.5031% | 4,453 |
| Net loans and leases to total assets | 73.5147% | 2,026 |
| Net loans and leases to deposits | 100.6153% | 671 |
| Net loans and leases to core deposits | 143.8420% | 244 |
| Total domestic deposits to total assets | 73.0651% | 7,093 |
| Equity capital to assets | 11.1118% | 2,762 |
| Core capital (leverage) ratio | 10.9185% | 2,308 |
| Tier 1 risk-based capital ratio | 14.5221% | 3,434 |
| Total risk-based capital ratio | 15.7759% | 3,396 |
| Memoranda: | ||
| Average total assets | $272,903,670 | 2,387 |
| Average earning assets | $248,071,000 | 2,414 |
| Average equity | $29,855,670 | 2,200 |
| Average total loans | $211,758,670 | 2,105 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2994% | 3,554 |
| Cost of funding earning assets | 2.0863% | 853 |
| Net interest margin | 3.2131% | 6,257 |
| Noninterest income to average assets | 0.3256% | 5,545 |
| Noninterest expense to average assets | 2.5858% | 5,411 |
| Loan and lease loss provision to assets | 0.0401% | 6,270 |
| Net operating income to assets | 0.4178% | 4,762 |
| Return on assets (ROA) | 0.4178% | 4,905 |
| Pretax return on assets | 0.6126% | 4,560 |
| Return on Equity (ROE) | 3.8508% | 4,959 |
| Retained earnings to average equity (ytd only) | 3.8508% | 3,829 |
| Net charge-offs to loans | 0.0376% | 5,049 |
| Credit loss provision to net charge-offs | 135.0000% | 2,616 |
| Earnings coverage of net charge-offs (x) | 21.9500% | 1,108 |
| Efficiency ratio | 79.8439% | 2,589 |
| Assets per employee ($millions) | 7.3308% | 708 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7188% | 2,991 |
| Loan loss allowance to noncurrent loans | 104.7592% | 2,642 |
| Noncurrent assets plus other real estate owned to assets | 3.0438% | 2,349 |
| Noncurrent loans to loans | 1.6407% | 4,289 |
| Net loans and leases to total assets | 77.9599% | 1,159 |
| Net loans and leases to deposits | 106.2363% | 411 |
| Net loans and leases to core deposits | 151.5756% | 234 |
| Total domestic deposits to total assets | 73.3835% | 7,125 |
| Equity capital to assets | 11.3354% | 2,473 |
| Core capital (leverage) ratio | 11.4310% | 1,954 |
| Tier 1 risk-based capital ratio | 14.1631% | 3,555 |
| Total risk-based capital ratio | 15.4190% | 3,522 |
| Memoranda: | ||
| Average total assets | $269,009,500 | 2,478 |
| Average earning assets | $243,875,000 | 2,502 |
| Average equity | $29,188,500 | 2,271 |
| Average total loans | $212,786,000 | 2,151 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5503% | 3,869 |
| Cost of funding earning assets | 2.6967% | 597 |
| Net interest margin | 2.8536% | 6,953 |
| Noninterest income to average assets | 0.4179% | 5,064 |
| Noninterest expense to average assets | 2.8279% | 4,846 |
| Loan and lease loss provision to assets | 1.6082% | 1,423 |
| Net operating income to assets | -0.8946% | 6,510 |
| Return on assets (ROA) | -0.8946% | 6,507 |
| Pretax return on assets | -1.4000% | 6,645 |
| Return on Equity (ROE) | -9.4452% | 6,577 |
| Retained earnings to average equity (ytd only) | -9.4452% | 6,471 |
| Net charge-offs to loans | 1.9868% | 1,238 |
| Credit loss provision to net charge-offs | 99.3769% | 5,606 |
| Earnings coverage of net charge-offs (x) | 0.1286% | 6,033 |
| Efficiency ratio | 93.1447% | 1,475 |
| Assets per employee ($millions) | 7.2103% | 738 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7541% | 2,692 |
| Loan loss allowance to noncurrent loans | 122.5432% | 2,303 |
| Noncurrent assets plus other real estate owned to assets | 2.8668% | 2,448 |
| Noncurrent loans to loans | 1.4314% | 4,528 |
| Net loans and leases to total assets | 77.4890% | 1,482 |
| Net loans and leases to deposits | 101.2722% | 801 |
| Net loans and leases to core deposits | 149.6680% | 516 |
| Total domestic deposits to total assets | 76.5156% | 6,584 |
| Equity capital to assets | 10.3572% | 3,333 |
| Core capital (leverage) ratio | 10.5620% | 2,540 |
| Tier 1 risk-based capital ratio | 12.6663% | 4,389 |
| Total risk-based capital ratio | 13.9219% | 4,320 |
| Memoranda: | ||
| Average total assets | $247,922,800 | 2,632 |
| Average earning assets | $227,466,000 | 2,618 |
| Average equity | $23,482,800 | 2,785 |
| Average total loans | $201,933,200 | 2,279 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6093% | 3,811 |
| Cost of funding earning assets | 2.8127% | 579 |
| Net interest margin | 2.7966% | 7,066 |
| Noninterest income to average assets | 0.4748% | 4,712 |
| Noninterest expense to average assets | 2.9291% | 4,318 |
| Loan and lease loss provision to assets | 1.7236% | 1,077 |
| Net operating income to assets | -1.0246% | 6,858 |
| Return on assets (ROA) | -1.0246% | 6,864 |
| Pretax return on assets | -1.6024% | 7,011 |
| Return on Equity (ROE) | -11.1021% | 6,963 |
| Retained earnings to average equity (ytd only) | -11.1021% | 6,891 |
| Net charge-offs to loans | 1.4593% | 1,411 |
| Credit loss provision to net charge-offs | 143.7586% | 3,399 |
| Earnings coverage of net charge-offs (x) | 0.1011% | 5,937 |
| Efficiency ratio | 96.0280% | 1,276 |
| Assets per employee ($millions) | 6.8335% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2563% | 1,341 |
| Loan loss allowance to noncurrent loans | 62.3732% | 4,229 |
| Noncurrent assets plus other real estate owned to assets | 4.0452% | 1,573 |
| Noncurrent loans to loans | 3.6174% | 2,063 |
| Net loans and leases to total assets | 80.0649% | 1,156 |
| Net loans and leases to deposits | 107.1390% | 598 |
| Net loans and leases to core deposits | 158.4093% | 408 |
| Total domestic deposits to total assets | 74.7299% | 6,824 |
| Equity capital to assets | 10.1594% | 3,897 |
| Core capital (leverage) ratio | 10.1780% | 3,086 |
| Tier 1 risk-based capital ratio | 11.9291% | 5,034 |
| Total risk-based capital ratio | 13.1908% | 4,967 |
| Memoranda: | ||
| Average total assets | $243,208,250 | 2,698 |
| Average earning assets | $223,979,500 | 2,688 |
| Average equity | $22,445,750 | 2,916 |
| Average total loans | $199,812,250 | 2,323 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6282% | 3,923 |
| Cost of funding earning assets | 2.9094% | 594 |
| Net interest margin | 2.7187% | 7,167 |
| Noninterest income to average assets | 0.5242% | 4,235 |
| Noninterest expense to average assets | 2.7809% | 5,044 |
| Loan and lease loss provision to assets | 1.9884% | 818 |
| Net operating income to assets | -1.1125% | 7,059 |
| Return on assets (ROA) | -1.1125% | 7,059 |
| Pretax return on assets | -1.7384% | 7,186 |
| Return on Equity (ROE) | -12.4969% | 7,202 |
| Retained earnings to average equity (ytd only) | -12.4969% | 7,087 |
| Net charge-offs to loans | 1.3862% | 1,348 |
| Credit loss provision to net charge-offs | 174.4152% | 2,633 |
| Earnings coverage of net charge-offs (x) | 0.2193% | 5,451 |
| Efficiency ratio | 91.7514% | 1,659 |
| Assets per employee ($millions) | 6.9266% | 794 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3615% | 1,031 |
| Loan loss allowance to noncurrent loans | 56.5997% | 4,635 |
| Noncurrent assets plus other real estate owned to assets | 3.9464% | 1,516 |
| Noncurrent loans to loans | 4.1722% | 1,593 |
| Net loans and leases to total assets | 76.3743% | 2,090 |
| Net loans and leases to deposits | 98.5673% | 1,446 |
| Net loans and leases to core deposits | 142.5837% | 908 |
| Total domestic deposits to total assets | 77.4844% | 6,203 |
| Equity capital to assets | 9.0473% | 5,248 |
| Core capital (leverage) ratio | 9.2889% | 4,180 |
| Tier 1 risk-based capital ratio | 10.8917% | 5,992 |
| Total risk-based capital ratio | 12.1537% | 5,920 |
| Memoranda: | ||
| Average total assets | $239,997,670 | 2,750 |
| Average earning assets | $221,280,000 | 2,730 |
| Average equity | $21,365,330 | 3,051 |
| Average total loans | $197,380,000 | 2,377 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7726% | 3,423 |
| Cost of funding earning assets | 3.0043% | 600 |
| Net interest margin | 2.7683% | 7,057 |
| Noninterest income to average assets | 0.5400% | 3,996 |
| Noninterest expense to average assets | 2.7845% | 4,623 |
| Loan and lease loss provision to assets | 1.8305% | 674 |
| Net operating income to assets | -0.9730% | 7,241 |
| Return on assets (ROA) | -0.9730% | 7,262 |
| Pretax return on assets | -1.5251% | 7,373 |
| Return on Equity (ROE) | -11.0294% | 7,429 |
| Retained earnings to average equity (ytd only) | -11.0294% | 7,207 |
| Net charge-offs to loans | -0.0082% | 7,253 |
| Credit loss provision to net charge-offs | -26,525.0000% | 6,809 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.1173% | 1,709 |
| Assets per employee ($millions) | 6.5244% | 952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3901% | 860 |
| Loan loss allowance to noncurrent loans | 61.6029% | 4,507 |
| Noncurrent assets plus other real estate owned to assets | 3.9859% | 1,292 |
| Noncurrent loans to loans | 3.8799% | 1,577 |
| Net loans and leases to total assets | 83.1276% | 830 |
| Net loans and leases to deposits | 106.0306% | 858 |
| Net loans and leases to core deposits | 149.9927% | 705 |
| Total domestic deposits to total assets | 78.3996% | 5,887 |
| Equity capital to assets | 9.2141% | 5,074 |
| Core capital (leverage) ratio | 9.1477% | 4,487 |
| Tier 1 risk-based capital ratio | 10.2412% | 6,656 |
| Total risk-based capital ratio | 11.5039% | 6,567 |
| Memoranda: | ||
| Average total assets | $231,854,000 | 2,856 |
| Average earning assets | $213,561,500 | 2,842 |
| Average equity | $20,454,500 | 3,197 |
| Average total loans | $195,835,000 | 2,413 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2141% | 4,440 |
| Cost of funding earning assets | 3.4071% | 701 |
| Net interest margin | 2.8070% | 7,325 |
| Noninterest income to average assets | 0.5234% | 4,440 |
| Noninterest expense to average assets | 2.8304% | 4,694 |
| Loan and lease loss provision to assets | 1.5774% | 841 |
| Net operating income to assets | -0.8327% | 7,154 |
| Return on assets (ROA) | -0.8327% | 7,066 |
| Pretax return on assets | -1.3079% | 7,168 |
| Return on Equity (ROE) | -9.5314% | 7,247 |
| Retained earnings to average equity (ytd only) | -9.5314% | 7,033 |
| Net charge-offs to loans | 0.5551% | 2,160 |
| Credit loss provision to net charge-offs | 346.3026% | 1,304 |
| Earnings coverage of net charge-offs (x) | 0.5916% | 5,872 |
| Efficiency ratio | 91.3073% | 1,423 |
| Assets per employee ($millions) | 6.3563% | 954 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9391% | 1,338 |
| Loan loss allowance to noncurrent loans | 64.1242% | 4,807 |
| Noncurrent assets plus other real estate owned to assets | 3.2321% | 1,411 |
| Noncurrent loans to loans | 3.0239% | 1,771 |
| Net loans and leases to total assets | 82.1241% | 1,206 |
| Net loans and leases to deposits | 104.2979% | 1,312 |
| Net loans and leases to core deposits | 127.9249% | 2,003 |
| Total domestic deposits to total assets | 78.7399% | 5,468 |
| Equity capital to assets | 8.4199% | 6,221 |
| Core capital (leverage) ratio | 8.6546% | 5,276 |
| Tier 1 risk-based capital ratio | 9.3768% | 7,432 |
| Total risk-based capital ratio | 10.6341% | 7,357 |
| Memoranda: | ||
| Average total assets | $192,978,800 | 3,228 |
| Average earning assets | $177,128,200 | 3,224 |
| Average equity | $16,860,000 | 3,762 |
| Average total loans | $158,350,800 | 2,796 |