Home > SB One Bank > Performance and Condition Ratios
SB One Bank, Performance and Condition Ratios
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3377% | 2,369 |
| Cost of funding earning assets | 1.0489% | 841 |
| Net interest margin | 3.2889% | 3,411 |
| Noninterest income to average assets | 0.5984% | 2,135 |
| Noninterest expense to average assets | 2.2609% | 3,619 |
| Loan and lease loss provision to assets | 0.1232% | 2,798 |
| Net operating income to assets | 0.9665% | 2,436 |
| Return on assets (ROA) | 1.1048% | 2,072 |
| Pretax return on assets | 1.4634% | 1,552 |
| Return on Equity (ROE) | 10.4303% | 1,835 |
| Retained earnings to average equity (ytd only) | 8.0072% | 1,304 |
| Net charge-offs to loans | 0.0255% | 2,210 |
| Credit loss provision to net charge-offs | 596.7593% | 1,118 |
| Earnings coverage of net charge-offs (x) | 68.3843% | 892 |
| Efficiency ratio | 61.0913% | 3,261 |
| Assets per employee ($millions) | 9.8607% | 515 |
| Cash dividends to net income (ytd only)* | 23.2313% | 2,622 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6392% | 4,689 |
| Loan loss allowance to noncurrent loans | 84.0634% | 3,468 |
| Noncurrent assets plus other real estate owned to assets | 0.7494% | 1,647 |
| Noncurrent loans to loans | 0.7604% | 1,979 |
| Net loans and leases to total assets | 80.1661% | 579 |
| Net loans and leases to deposits | 101.5737% | 463 |
| Net loans and leases to core deposits | 138.1584% | 185 |
| Total domestic deposits to total assets | 78.9241% | 4,048 |
| Equity capital to assets | 10.2223% | 2,986 |
| Core capital (leverage) ratio | 9.7718% | 3,060 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.7777% | 2,702 |
| Memoranda: | ||
| Average total assets | $2,093,003,000 | 446 |
| Average earning assets | $1,956,227,667 | 438 |
| Average equity | $221,700,000 | 458 |
| Average total loans | $1,696,040,667 | 393 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4135% | 2,570 |
| Cost of funding earning assets | 1.1508% | 904 |
| Net interest margin | 3.2627% | 3,683 |
| Noninterest income to average assets | 0.7137% | 1,597 |
| Noninterest expense to average assets | 2.2129% | 3,977 |
| Loan and lease loss provision to assets | 0.1723% | 1,710 |
| Net operating income to assets | 1.0674% | 1,941 |
| Return on assets (ROA) | 1.0674% | 2,044 |
| Pretax return on assets | 1.3753% | 1,639 |
| Return on Equity (ROE) | 9.8910% | 1,783 |
| Retained earnings to average equity (ytd only) | 6.6806% | 1,655 |
| Net charge-offs to loans | 0.0676% | 1,351 |
| Credit loss provision to net charge-offs | 313.9286% | 1,139 |
| Earnings coverage of net charge-offs (x) | 28.1893% | 1,215 |
| Efficiency ratio | 58.3711% | 3,953 |
| Assets per employee ($millions) | 9.1113% | 515 |
| Cash dividends to net income (ytd only)* | 32.4578% | 2,083 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6449% | 4,696 |
| Loan loss allowance to noncurrent loans | 69.7094% | 3,744 |
| Noncurrent assets plus other real estate owned to assets | 0.8995% | 1,489 |
| Noncurrent loans to loans | 0.9251% | 1,777 |
| Net loans and leases to total assets | 80.5954% | 619 |
| Net loans and leases to deposits | 104.7348% | 339 |
| Net loans and leases to core deposits | 140.3162% | 165 |
| Total domestic deposits to total assets | 76.9519% | 4,358 |
| Equity capital to assets | 10.4845% | 3,338 |
| Core capital (leverage) ratio | 9.9724% | 3,488 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 12.1523% | 3,054 |
| Memoranda: | ||
| Average total assets | $2,040,039,500 | 443 |
| Average earning assets | $1,905,043,000 | 432 |
| Average equity | $220,159,500 | 459 |
| Average total loans | $1,656,992,000 | 390 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6904% | 2,354 |
| Cost of funding earning assets | 1.2498% | 889 |
| Net interest margin | 3.4406% | 3,626 |
| Noninterest income to average assets | 0.6412% | 2,037 |
| Noninterest expense to average assets | 2.1674% | 4,228 |
| Loan and lease loss provision to assets | 0.1342% | 1,584 |
| Net operating income to assets | 1.1749% | 2,153 |
| Return on assets (ROA) | 1.2610% | 1,914 |
| Pretax return on assets | 1.6546% | 1,326 |
| Return on Equity (ROE) | 11.0166% | 1,883 |
| Retained earnings to average equity (ytd only) | 6.8128% | 1,474 |
| Net charge-offs to loans | 0.0673% | 2,127 |
| Credit loss provision to net charge-offs | 243.8343% | 1,112 |
| Earnings coverage of net charge-offs (x) | 30.5318% | 1,564 |
| Efficiency ratio | 55.7775% | 4,234 |
| Assets per employee ($millions) | 8.4147% | 616 |
| Cash dividends to net income (ytd only)* | 38.1589% | 2,689 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6303% | 4,687 |
| Loan loss allowance to noncurrent loans | 73.6302% | 3,696 |
| Noncurrent assets plus other real estate owned to assets | 0.8857% | 1,440 |
| Noncurrent loans to loans | 0.8561% | 1,800 |
| Net loans and leases to total assets | 80.8198% | 691 |
| Net loans and leases to deposits | 106.1308% | 294 |
| Net loans and leases to core deposits | 146.8032% | 138 |
| Total domestic deposits to total assets | 76.1511% | 4,583 |
| Equity capital to assets | 11.1108% | 2,898 |
| Core capital (leverage) ratio | 10.1594% | 3,342 |
| Tier 1 risk-based capital ratio | 11.6397% | 4,558 |
| Total risk-based capital ratio | 12.2524% | 4,762 |
| Memoranda: | ||
| Average total assets | $1,886,629,600 | 446 |
| Average earning assets | $1,757,965,000 | 438 |
| Average equity | $215,946,600 | 449 |
| Average total loans | $1,542,308,800 | 398 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7418% | 2,294 |
| Cost of funding earning assets | 1.2600% | 881 |
| Net interest margin | 3.4817% | 3,626 |
| Noninterest income to average assets | 0.6722% | 1,907 |
| Noninterest expense to average assets | 2.1914% | 4,196 |
| Loan and lease loss provision to assets | 0.1423% | 1,352 |
| Net operating income to assets | 1.2164% | 2,136 |
| Return on assets (ROA) | 1.3029% | 1,932 |
| Pretax return on assets | 1.6907% | 1,362 |
| Return on Equity (ROE) | 11.2933% | 1,898 |
| Retained earnings to average equity (ytd only) | 7.1168% | 1,807 |
| Net charge-offs to loans | 0.0884% | 1,583 |
| Credit loss provision to net charge-offs | 196.7262% | 1,331 |
| Earnings coverage of net charge-offs (x) | 23.8243% | 1,820 |
| Efficiency ratio | 55.4138% | 4,229 |
| Assets per employee ($millions) | 8.2269% | 637 |
| Cash dividends to net income (ytd only)* | 36.9821% | 2,281 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6236% | 4,770 |
| Loan loss allowance to noncurrent loans | 64.7110% | 3,919 |
| Noncurrent assets plus other real estate owned to assets | 0.9655% | 1,394 |
| Noncurrent loans to loans | 0.9636% | 1,667 |
| Net loans and leases to total assets | 80.3723% | 801 |
| Net loans and leases to deposits | 101.7670% | 520 |
| Net loans and leases to core deposits | 135.8635% | 230 |
| Total domestic deposits to total assets | 78.9768% | 4,192 |
| Equity capital to assets | 11.3564% | 2,791 |
| Core capital (leverage) ratio | 10.2215% | 3,399 |
| Tier 1 risk-based capital ratio | 11.9980% | 4,416 |
| Total risk-based capital ratio | 12.6083% | 4,640 |
| Memoranda: | ||
| Average total assets | $1,857,611,500 | 455 |
| Average earning assets | $1,730,170,500 | 447 |
| Average equity | $214,304,250 | 454 |
| Average total loans | $1,520,674,500 | 402 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7678% | 2,169 |
| Cost of funding earning assets | 1.2321% | 910 |
| Net interest margin | 3.5357% | 3,485 |
| Noninterest income to average assets | 0.6971% | 1,726 |
| Noninterest expense to average assets | 2.2407% | 4,148 |
| Loan and lease loss provision to assets | 0.1470% | 1,254 |
| Net operating income to assets | 1.2541% | 1,942 |
| Return on assets (ROA) | 1.3855% | 1,534 |
| Pretax return on assets | 1.7675% | 1,127 |
| Return on Equity (ROE) | 11.9443% | 1,596 |
| Retained earnings to average equity (ytd only) | 7.3177% | 1,682 |
| Net charge-offs to loans | 0.0657% | 1,716 |
| Credit loss provision to net charge-offs | 272.1212% | 958 |
| Earnings coverage of net charge-offs (x) | 32.3576% | 1,406 |
| Efficiency ratio | 55.6176% | 4,291 |
| Assets per employee ($millions) | 8.0022% | 674 |
| Cash dividends to net income (ytd only)* | 38.7348% | 2,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6289% | 4,826 |
| Loan loss allowance to noncurrent loans | 50.2453% | 4,189 |
| Noncurrent assets plus other real estate owned to assets | 1.2194% | 1,079 |
| Noncurrent loans to loans | 1.2517% | 1,266 |
| Net loans and leases to total assets | 81.5785% | 664 |
| Net loans and leases to deposits | 103.0159% | 471 |
| Net loans and leases to core deposits | 136.1104% | 235 |
| Total domestic deposits to total assets | 79.1903% | 4,186 |
| Equity capital to assets | 11.5805% | 2,544 |
| Core capital (leverage) ratio | 10.3206% | 3,264 |
| Tier 1 risk-based capital ratio | 12.0979% | 4,362 |
| Total risk-based capital ratio | 12.7177% | 4,595 |
| Memoranda: | ||
| Average total assets | $1,832,372,670 | 457 |
| Average earning assets | $1,705,986,670 | 451 |
| Average equity | $212,553,330 | 453 |
| Average total loans | $1,506,362,670 | 407 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6986% | 2,234 |
| Cost of funding earning assets | 1.2013% | 898 |
| Net interest margin | 3.4973% | 3,598 |
| Noninterest income to average assets | 0.7904% | 1,316 |
| Noninterest expense to average assets | 2.2212% | 4,212 |
| Loan and lease loss provision to assets | 0.1257% | 1,397 |
| Net operating income to assets | 1.3555% | 1,509 |
| Return on assets (ROA) | 1.3555% | 1,551 |
| Pretax return on assets | 1.6991% | 1,209 |
| Return on Equity (ROE) | 11.6754% | 1,663 |
| Retained earnings to average equity (ytd only) | 6.4210% | 2,273 |
| Net charge-offs to loans | 0.0418% | 1,676 |
| Credit loss provision to net charge-offs | 366.0256% | 739 |
| Earnings coverage of net charge-offs (x) | 53.1154% | 988 |
| Efficiency ratio | 54.3436% | 4,505 |
| Assets per employee ($millions) | 8.1368% | 640 |
| Cash dividends to net income (ytd only)* | 45.0041% | 1,785 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6071% | 4,918 |
| Loan loss allowance to noncurrent loans | 38.4728% | 4,484 |
| Noncurrent assets plus other real estate owned to assets | 1.4752% | 818 |
| Noncurrent loans to loans | 1.5781% | 1,005 |
| Net loans and leases to total assets | 81.8116% | 612 |
| Net loans and leases to deposits | 102.9886% | 448 |
| Net loans and leases to core deposits | 132.9770% | 274 |
| Total domestic deposits to total assets | 79.4375% | 4,261 |
| Equity capital to assets | 11.5877% | 2,318 |
| Core capital (leverage) ratio | 10.2098% | 3,374 |
| Tier 1 risk-based capital ratio | 12.0909% | 4,411 |
| Total risk-based capital ratio | 12.6967% | 4,671 |
| Memoranda: | ||
| Average total assets | $1,816,303,500 | 466 |
| Average earning assets | $1,690,788,000 | 461 |
| Average equity | $210,870,500 | 455 |
| Average total loans | $1,494,210,000 | 412 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3491% | 2,935 |
| Cost of funding earning assets | 0.8681% | 1,233 |
| Net interest margin | 3.4810% | 3,767 |
| Noninterest income to average assets | 0.7371% | 1,700 |
| Noninterest expense to average assets | 2.8364% | 2,560 |
| Loan and lease loss provision to assets | 0.1021% | 2,151 |
| Net operating income to assets | 0.7918% | 3,833 |
| Return on assets (ROA) | 0.7938% | 3,832 |
| Pretax return on assets | 1.0327% | 3,502 |
| Return on Equity (ROE) | 6.6406% | 3,954 |
| Retained earnings to average equity (ytd only) | 4.1546% | 3,273 |
| Net charge-offs to loans | -0.0003% | 4,149 |
| Credit loss provision to net charge-offs | -47,900.0000% | 5,004 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.0282% | 2,040 |
| Assets per employee ($millions) | 7.7983% | 706 |
| Cash dividends to net income (ytd only)* | 37.4374% | 2,665 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5950% | 4,981 |
| Loan loss allowance to noncurrent loans | 36.2244% | 4,548 |
| Noncurrent assets plus other real estate owned to assets | 1.5819% | 719 |
| Noncurrent loans to loans | 1.6426% | 890 |
| Net loans and leases to total assets | 81.7341% | 689 |
| Net loans and leases to deposits | 108.2703% | 297 |
| Net loans and leases to core deposits | 124.2499% | 436 |
| Total domestic deposits to total assets | 75.4909% | 4,815 |
| Equity capital to assets | 11.6296% | 2,157 |
| Core capital (leverage) ratio | 12.0572% | 1,696 |
| Tier 1 risk-based capital ratio | 12.3426% | 4,216 |
| Total risk-based capital ratio | 12.9447% | 4,504 |
| Memoranda: | ||
| Average total assets | $1,407,899,800 | 564 |
| Average earning assets | $1,306,997,000 | 558 |
| Average equity | $168,297,000 | 521 |
| Average total loans | $1,138,437,600 | 504 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5314% | 2,188 |
| Cost of funding earning assets | 0.8314% | 1,187 |
| Net interest margin | 3.7000% | 3,020 |
| Noninterest income to average assets | 0.8133% | 1,427 |
| Noninterest expense to average assets | 3.0260% | 1,936 |
| Loan and lease loss provision to assets | 0.1247% | 1,610 |
| Net operating income to assets | 0.8628% | 3,690 |
| Return on assets (ROA) | 0.8657% | 3,681 |
| Pretax return on assets | 1.0986% | 3,409 |
| Return on Equity (ROE) | 7.1753% | 3,869 |
| Retained earnings to average equity (ytd only) | 5.2827% | 3,070 |
| Net charge-offs to loans | -0.0040% | 4,188 |
| Credit loss provision to net charge-offs | -3,834.3750% | 4,822 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.8371% | 2,069 |
| Assets per employee ($millions) | 7.3606% | 818 |
| Cash dividends to net income (ytd only)* | 26.3770% | 2,728 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7334% | 4,804 |
| Loan loss allowance to noncurrent loans | 37.2728% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 1.7644% | 673 |
| Noncurrent loans to loans | 1.9678% | 760 |
| Net loans and leases to total assets | 79.8091% | 1,047 |
| Net loans and leases to deposits | 104.3397% | 530 |
| Net loans and leases to core deposits | 129.4926% | 342 |
| Total domestic deposits to total assets | 76.4897% | 4,730 |
| Equity capital to assets | 11.9510% | 1,944 |
| Core capital (leverage) ratio | 10.5144% | 3,067 |
| Tier 1 risk-based capital ratio | 12.7403% | 4,057 |
| Total risk-based capital ratio | 13.4754% | 4,251 |
| Memoranda: | ||
| Average total assets | $1,311,469,750 | 599 |
| Average earning assets | $1,216,618,750 | 588 |
| Average equity | $158,223,500 | 542 |
| Average total loans | $1,054,353,250 | 532 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5905% | 1,807 |
| Cost of funding earning assets | 0.7661% | 1,302 |
| Net interest margin | 3.8244% | 2,484 |
| Noninterest income to average assets | 0.8764% | 1,250 |
| Noninterest expense to average assets | 3.3072% | 1,304 |
| Loan and lease loss provision to assets | 0.1435% | 1,344 |
| Net operating income to assets | 0.7757% | 3,934 |
| Return on assets (ROA) | 0.7802% | 3,923 |
| Pretax return on assets | 0.9821% | 3,720 |
| Return on Equity (ROE) | 6.4432% | 4,080 |
| Retained earnings to average equity (ytd only) | 4.4040% | 3,400 |
| Net charge-offs to loans | -0.0045% | 4,078 |
| Credit loss provision to net charge-offs | -3,939.1304% | 4,731 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.2711% | 1,671 |
| Assets per employee ($millions) | 6.8006% | 1,014 |
| Cash dividends to net income (ytd only)* | 31.6484% | 2,509 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7271% | 4,872 |
| Loan loss allowance to noncurrent loans | 44.4277% | 4,514 |
| Noncurrent assets plus other real estate owned to assets | 1.5342% | 863 |
| Noncurrent loans to loans | 1.6366% | 984 |
| Net loans and leases to total assets | 78.6301% | 1,227 |
| Net loans and leases to deposits | 106.2659% | 426 |
| Net loans and leases to core deposits | 127.8857% | 371 |
| Total domestic deposits to total assets | 73.9937% | 5,043 |
| Equity capital to assets | 11.9764% | 1,869 |
| Core capital (leverage) ratio | 10.6177% | 2,903 |
| Tier 1 risk-based capital ratio | 12.8714% | 3,966 |
| Total risk-based capital ratio | 13.6000% | 4,163 |
| Memoranda: | ||
| Average total assets | $1,262,823,670 | 620 |
| Average earning assets | $1,172,428,330 | 612 |
| Average equity | $152,906,330 | 553 |
| Average total loans | $1,015,225,000 | 550 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7559% | 1,173 |
| Cost of funding earning assets | 0.7146% | 1,371 |
| Net interest margin | 4.0414% | 1,590 |
| Noninterest income to average assets | 0.9691% | 981 |
| Noninterest expense to average assets | 3.9148% | 579 |
| Loan and lease loss provision to assets | 0.1727% | 1,016 |
| Net operating income to assets | 0.5510% | 4,572 |
| Return on assets (ROA) | 0.5510% | 4,575 |
| Pretax return on assets | 0.6516% | 4,566 |
| Return on Equity (ROE) | 4.5206% | 4,628 |
| Retained earnings to average equity (ytd only) | 2.3007% | 4,242 |
| Net charge-offs to loans | 0.0063% | 2,510 |
| Credit loss provision to net charge-offs | 3,386.6667% | 117 |
| Earnings coverage of net charge-offs (x) | 161.6667% | 404 |
| Efficiency ratio | 82.1690% | 929 |
| Assets per employee ($millions) | 6.7748% | 1,056 |
| Cash dividends to net income (ytd only)* | 49.1055% | 1,536 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.7192% | 4,987 |
| Loan loss allowance to noncurrent loans | 61.3816% | 4,200 |
| Noncurrent assets plus other real estate owned to assets | 1.1851% | 1,289 |
| Noncurrent loans to loans | 1.1717% | 1,556 |
| Net loans and leases to total assets | 78.5726% | 1,146 |
| Net loans and leases to deposits | 103.5425% | 506 |
| Net loans and leases to core deposits | 123.3394% | 491 |
| Total domestic deposits to total assets | 75.8844% | 4,974 |
| Equity capital to assets | 12.3102% | 1,594 |
| Core capital (leverage) ratio | 10.8955% | 2,543 |
| Tier 1 risk-based capital ratio | 13.6023% | 3,597 |
| Total risk-based capital ratio | 14.3463% | 3,809 |
| Memoranda: | ||
| Average total assets | $1,176,773,500 | 655 |
| Average earning assets | $1,097,745,500 | 647 |
| Average equity | $143,433,500 | 593 |
| Average total loans | $954,564,500 | 583 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1290% | 2,956 |
| Cost of funding earning assets | 0.6028% | 1,580 |
| Net interest margin | 3.5261% | 3,444 |
| Noninterest income to average assets | 0.9012% | 1,264 |
| Noninterest expense to average assets | 2.7770% | 2,858 |
| Loan and lease loss provision to assets | 0.1731% | 1,262 |
| Net operating income to assets | 0.7287% | 3,475 |
| Return on assets (ROA) | 0.7281% | 3,516 |
| Pretax return on assets | 1.2849% | 2,410 |
| Return on Equity (ROE) | 6.2694% | 3,643 |
| Retained earnings to average equity (ytd only) | 4.2181% | 2,632 |
| Net charge-offs to loans | 0.1245% | 1,806 |
| Credit loss provision to net charge-offs | 167.4762% | 1,601 |
| Earnings coverage of net charge-offs (x) | 14.1172% | 2,352 |
| Efficiency ratio | 65.5580% | 3,333 |
| Assets per employee ($millions) | 6.6099% | 1,143 |
| Cash dividends to net income (ytd only)* | 32.7188% | 3,183 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8937% | 4,502 |
| Loan loss allowance to noncurrent loans | 121.8439% | 3,184 |
| Noncurrent assets plus other real estate owned to assets | 0.8479% | 1,836 |
| Noncurrent loans to loans | 0.7335% | 2,380 |
| Net loans and leases to total assets | 83.1442% | 536 |
| Net loans and leases to deposits | 106.6236% | 376 |
| Net loans and leases to core deposits | 137.5593% | 237 |
| Total domestic deposits to total assets | 77.9792% | 4,724 |
| Equity capital to assets | 12.0179% | 1,826 |
| Core capital (leverage) ratio | 11.8576% | 1,684 |
| Tier 1 risk-based capital ratio | 14.2551% | 3,222 |
| Total risk-based capital ratio | 15.1739% | 3,313 |
| Memoranda: | ||
| Average total assets | $916,342,000 | 810 |
| Average earning assets | $866,612,400 | 785 |
| Average equity | $106,421,800 | 768 |
| Average total loans | $760,432,000 | 689 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0873% | 3,027 |
| Cost of funding earning assets | 0.5921% | 1,584 |
| Net interest margin | 3.4951% | 3,518 |
| Noninterest income to average assets | 0.9235% | 1,204 |
| Noninterest expense to average assets | 2.7500% | 2,898 |
| Loan and lease loss provision to assets | 0.1668% | 1,215 |
| Net operating income to assets | 0.8878% | 3,085 |
| Return on assets (ROA) | 0.8929% | 3,116 |
| Pretax return on assets | 1.3190% | 2,400 |
| Return on Equity (ROE) | 7.7616% | 3,256 |
| Retained earnings to average equity (ytd only) | 5.8859% | 2,317 |
| Net charge-offs to loans | 0.0574% | 2,315 |
| Credit loss provision to net charge-offs | 351.0903% | 863 |
| Earnings coverage of net charge-offs (x) | 31.1152% | 1,521 |
| Efficiency ratio | 65.0390% | 3,370 |
| Assets per employee ($millions) | 6.6857% | 1,081 |
| Cash dividends to net income (ytd only)* | 24.1671% | 2,978 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9435% | 4,354 |
| Loan loss allowance to noncurrent loans | 113.5978% | 3,299 |
| Noncurrent assets plus other real estate owned to assets | 0.9287% | 1,843 |
| Noncurrent loans to loans | 0.8306% | 2,287 |
| Net loans and leases to total assets | 82.3827% | 620 |
| Net loans and leases to deposits | 106.0690% | 418 |
| Net loans and leases to core deposits | 132.0215% | 308 |
| Total domestic deposits to total assets | 77.6689% | 4,774 |
| Equity capital to assets | 12.2989% | 1,779 |
| Core capital (leverage) ratio | 12.1437% | 1,607 |
| Tier 1 risk-based capital ratio | 14.8226% | 3,004 |
| Total risk-based capital ratio | 15.7975% | 3,071 |
| Memoranda: | ||
| Average total assets | $900,863,000 | 833 |
| Average earning assets | $851,796,750 | 813 |
| Average equity | $103,635,750 | 795 |
| Average total loans | $745,365,000 | 702 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0277% | 3,100 |
| Cost of funding earning assets | 0.5807% | 1,571 |
| Net interest margin | 3.4470% | 3,602 |
| Noninterest income to average assets | 0.9517% | 1,130 |
| Noninterest expense to average assets | 2.7692% | 2,866 |
| Loan and lease loss provision to assets | 0.1766% | 1,087 |
| Net operating income to assets | 0.8462% | 3,175 |
| Return on assets (ROA) | 0.8581% | 3,173 |
| Pretax return on assets | 1.2497% | 2,580 |
| Return on Equity (ROE) | 7.6830% | 3,208 |
| Retained earnings to average equity (ytd only) | 7.6830% | 1,289 |
| Net charge-offs to loans | 0.0873% | 1,737 |
| Credit loss provision to net charge-offs | 247.4843% | 1,090 |
| Earnings coverage of net charge-offs (x) | 19.7453% | 1,820 |
| Efficiency ratio | 66.2764% | 3,306 |
| Assets per employee ($millions) | 6.1928% | 1,327 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9278% | 4,525 |
| Loan loss allowance to noncurrent loans | 91.2506% | 3,725 |
| Noncurrent assets plus other real estate owned to assets | 1.0169% | 1,717 |
| Noncurrent loans to loans | 1.0167% | 1,931 |
| Net loans and leases to total assets | 80.2268% | 918 |
| Net loans and leases to deposits | 104.2245% | 486 |
| Net loans and leases to core deposits | 125.1558% | 411 |
| Total domestic deposits to total assets | 76.9750% | 4,960 |
| Equity capital to assets | 12.2524% | 1,759 |
| Core capital (leverage) ratio | 12.6381% | 1,320 |
| Tier 1 risk-based capital ratio | 14.5914% | 3,117 |
| Total risk-based capital ratio | 15.5140% | 3,200 |
| Memoranda: | ||
| Average total assets | $891,236,670 | 851 |
| Average earning assets | $834,223,670 | 838 |
| Average equity | $99,544,670 | 830 |
| Average total loans | $728,778,670 | 722 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0658% | 2,785 |
| Cost of funding earning assets | 0.5629% | 1,631 |
| Net interest margin | 3.5029% | 3,266 |
| Noninterest income to average assets | 1.1060% | 813 |
| Noninterest expense to average assets | 2.7567% | 2,936 |
| Loan and lease loss provision to assets | 0.1893% | 888 |
| Net operating income to assets | 1.0326% | 2,156 |
| Return on assets (ROA) | 1.0674% | 2,043 |
| Pretax return on assets | 1.5209% | 1,470 |
| Return on Equity (ROE) | 10.0999% | 1,924 |
| Retained earnings to average equity (ytd only) | 10.0999% | 786 |
| Net charge-offs to loans | 0.1731% | 955 |
| Credit loss provision to net charge-offs | 133.0065% | 1,296 |
| Earnings coverage of net charge-offs (x) | 11.6667% | 1,876 |
| Efficiency ratio | 62.4092% | 4,092 |
| Assets per employee ($millions) | 6.0986% | 1,426 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9456% | 4,578 |
| Loan loss allowance to noncurrent loans | 122.4244% | 3,232 |
| Noncurrent assets plus other real estate owned to assets | 0.9192% | 2,012 |
| Noncurrent loans to loans | 0.7724% | 2,536 |
| Net loans and leases to total assets | 81.6428% | 608 |
| Net loans and leases to deposits | 102.2009% | 488 |
| Net loans and leases to core deposits | 109.1105% | 923 |
| Total domestic deposits to total assets | 79.8846% | 4,643 |
| Equity capital to assets | 10.5740% | 3,101 |
| Core capital (leverage) ratio | 10.4099% | 3,005 |
| Tier 1 risk-based capital ratio | 12.9254% | 4,129 |
| Total risk-based capital ratio | 13.9106% | 4,190 |
| Memoranda: | ||
| Average total assets | $860,010,500 | 881 |
| Average earning assets | $812,924,000 | 861 |
| Average equity | $90,892,000 | 901 |
| Average total loans | $707,028,500 | 747 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0462% | 3,042 |
| Cost of funding earning assets | 0.5961% | 1,366 |
| Net interest margin | 3.4501% | 3,629 |
| Noninterest income to average assets | 0.9347% | 1,307 |
| Noninterest expense to average assets | 2.8942% | 2,690 |
| Loan and lease loss provision to assets | 0.1670% | 1,471 |
| Net operating income to assets | 0.7286% | 3,646 |
| Return on assets (ROA) | 0.7665% | 3,573 |
| Pretax return on assets | 1.1637% | 2,838 |
| Return on Equity (ROE) | 8.0722% | 2,898 |
| Retained earnings to average equity (ytd only) | 8.0722% | 836 |
| Net charge-offs to loans | 0.0296% | 3,428 |
| Credit loss provision to net charge-offs | 697.8378% | 510 |
| Earnings coverage of net charge-offs (x) | 53.2108% | 973 |
| Efficiency ratio | 69.4466% | 3,001 |
| Assets per employee ($millions) | 6.0137% | 1,477 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9631% | 4,509 |
| Loan loss allowance to noncurrent loans | 106.2688% | 3,498 |
| Noncurrent assets plus other real estate owned to assets | 1.0223% | 1,856 |
| Noncurrent loans to loans | 0.9063% | 2,283 |
| Net loans and leases to total assets | 81.2053% | 712 |
| Net loans and leases to deposits | 104.1617% | 426 |
| Net loans and leases to core deposits | 124.0628% | 383 |
| Total domestic deposits to total assets | 77.9608% | 4,982 |
| Equity capital to assets | 10.5633% | 3,086 |
| Core capital (leverage) ratio | 10.4114% | 2,974 |
| Tier 1 risk-based capital ratio | 12.8657% | 4,156 |
| Total risk-based capital ratio | 13.8572% | 4,213 |
| Memoranda: | ||
| Average total assets | $773,107,000 | 935 |
| Average earning assets | $724,411,200 | 917 |
| Average equity | $73,412,800 | 1,080 |
| Average total loans | $624,435,400 | 798 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0445% | 3,060 |
| Cost of funding earning assets | 0.6092% | 1,262 |
| Net interest margin | 3.4352% | 3,724 |
| Noninterest income to average assets | 1.0039% | 1,140 |
| Noninterest expense to average assets | 2.9527% | 2,453 |
| Loan and lease loss provision to assets | 0.1863% | 1,173 |
| Net operating income to assets | 0.7154% | 3,762 |
| Return on assets (ROA) | 0.7575% | 3,700 |
| Pretax return on assets | 1.1405% | 3,084 |
| Return on Equity (ROE) | 8.2373% | 2,883 |
| Retained earnings to average equity (ytd only) | 8.2373% | 1,070 |
| Net charge-offs to loans | 0.0688% | 2,339 |
| Credit loss provision to net charge-offs | 336.7412% | 950 |
| Earnings coverage of net charge-offs (x) | 22.8308% | 1,735 |
| Efficiency ratio | 70.0415% | 2,879 |
| Assets per employee ($millions) | 5.6043% | 1,755 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9545% | 4,641 |
| Loan loss allowance to noncurrent loans | 127.4099% | 3,129 |
| Noncurrent assets plus other real estate owned to assets | 0.9746% | 2,123 |
| Noncurrent loans to loans | 0.7492% | 2,797 |
| Net loans and leases to total assets | 80.2871% | 847 |
| Net loans and leases to deposits | 104.2849% | 439 |
| Net loans and leases to core deposits | 123.9911% | 416 |
| Total domestic deposits to total assets | 76.9883% | 5,092 |
| Equity capital to assets | 9.1919% | 4,984 |
| Core capital (leverage) ratio | 8.9814% | 4,847 |
| Tier 1 risk-based capital ratio | 11.0248% | 5,357 |
| Total risk-based capital ratio | 11.9945% | 5,411 |
| Memoranda: | ||
| Average total assets | $754,402,250 | 960 |
| Average earning assets | $705,343,750 | 946 |
| Average equity | $69,373,750 | 1,140 |
| Average total loans | $606,730,000 | 818 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0256% | 3,162 |
| Cost of funding earning assets | 0.6111% | 1,240 |
| Net interest margin | 3.4145% | 3,835 |
| Noninterest income to average assets | 1.0928% | 940 |
| Noninterest expense to average assets | 3.0251% | 2,264 |
| Loan and lease loss provision to assets | 0.1626% | 1,392 |
| Net operating income to assets | 0.7360% | 3,623 |
| Return on assets (ROA) | 0.7857% | 3,527 |
| Pretax return on assets | 1.1744% | 2,884 |
| Return on Equity (ROE) | 8.5424% | 2,727 |
| Retained earnings to average equity (ytd only) | 8.5424% | 996 |
| Net charge-offs to loans | 0.0674% | 2,227 |
| Credit loss provision to net charge-offs | 301.0101% | 955 |
| Earnings coverage of net charge-offs (x) | 23.3788% | 1,593 |
| Efficiency ratio | 70.5497% | 2,897 |
| Assets per employee ($millions) | 5.7079% | 1,616 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9354% | 4,818 |
| Loan loss allowance to noncurrent loans | 128.7742% | 3,174 |
| Noncurrent assets plus other real estate owned to assets | 0.9645% | 2,223 |
| Noncurrent loans to loans | 0.7264% | 2,918 |
| Net loans and leases to total assets | 79.9342% | 921 |
| Net loans and leases to deposits | 106.6171% | 345 |
| Net loans and leases to core deposits | 122.7819% | 442 |
| Total domestic deposits to total assets | 74.9732% | 5,414 |
| Equity capital to assets | 8.7161% | 5,473 |
| Core capital (leverage) ratio | 8.7533% | 5,104 |
| Tier 1 risk-based capital ratio | 10.4976% | 5,673 |
| Total risk-based capital ratio | 11.4563% | 5,718 |
| Memoranda: | ||
| Average total assets | $733,129,000 | 986 |
| Average earning assets | $686,012,000 | 971 |
| Average equity | $67,428,330 | 1,167 |
| Average total loans | $587,887,330 | 843 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1210% | 2,771 |
| Cost of funding earning assets | 0.6155% | 1,237 |
| Net interest margin | 3.5055% | 3,455 |
| Noninterest income to average assets | 1.3144% | 635 |
| Noninterest expense to average assets | 3.1722% | 1,901 |
| Loan and lease loss provision to assets | 0.1201% | 1,756 |
| Net operating income to assets | 0.8723% | 2,887 |
| Return on assets (ROA) | 0.9360% | 2,686 |
| Pretax return on assets | 1.3969% | 1,914 |
| Return on Equity (ROE) | 9.8850% | 2,036 |
| Retained earnings to average equity (ytd only) | 9.8850% | 875 |
| Net charge-offs to loans | -0.0078% | 4,439 |
| Credit loss provision to net charge-offs | -1,918.1818% | 4,877 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0488% | 3,294 |
| Assets per employee ($millions) | 5.3703% | 1,952 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0020% | 4,602 |
| Loan loss allowance to noncurrent loans | 108.5746% | 3,456 |
| Noncurrent assets plus other real estate owned to assets | 1.2063% | 1,810 |
| Noncurrent loans to loans | 0.9228% | 2,543 |
| Net loans and leases to total assets | 79.7978% | 845 |
| Net loans and leases to deposits | 99.8038% | 634 |
| Net loans and leases to core deposits | 113.1227% | 705 |
| Total domestic deposits to total assets | 79.9546% | 4,757 |
| Equity capital to assets | 9.3846% | 4,789 |
| Core capital (leverage) ratio | 9.1844% | 4,616 |
| Tier 1 risk-based capital ratio | 11.2947% | 5,345 |
| Total risk-based capital ratio | 12.3150% | 5,380 |
| Memoranda: | ||
| Average total assets | $702,993,000 | 1,022 |
| Average earning assets | $657,703,500 | 1,005 |
| Average equity | $66,565,500 | 1,182 |
| Average total loans | $561,737,500 | 880 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0579% | 3,083 |
| Cost of funding earning assets | 0.5700% | 1,596 |
| Net interest margin | 3.4878% | 3,563 |
| Noninterest income to average assets | 0.9565% | 1,301 |
| Noninterest expense to average assets | 3.2169% | 1,926 |
| Loan and lease loss provision to assets | 0.1009% | 2,304 |
| Net operating income to assets | 0.6131% | 4,208 |
| Return on assets (ROA) | 0.6428% | 4,158 |
| Pretax return on assets | 0.9313% | 3,721 |
| Return on Equity (ROE) | 6.3787% | 3,854 |
| Retained earnings to average equity (ytd only) | 6.3787% | 1,616 |
| Net charge-offs to loans | 0.1391% | 1,962 |
| Credit loss provision to net charge-offs | 92.5764% | 2,712 |
| Earnings coverage of net charge-offs (x) | 9.0771% | 2,870 |
| Efficiency ratio | 76.4821% | 2,195 |
| Assets per employee ($millions) | 5.0842% | 2,268 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0287% | 4,444 |
| Loan loss allowance to noncurrent loans | 105.2532% | 3,567 |
| Noncurrent assets plus other real estate owned to assets | 1.2624% | 1,691 |
| Noncurrent loans to loans | 0.9773% | 2,381 |
| Net loans and leases to total assets | 78.3594% | 1,072 |
| Net loans and leases to deposits | 103.8442% | 450 |
| Net loans and leases to core deposits | 116.3148% | 595 |
| Total domestic deposits to total assets | 75.4586% | 5,498 |
| Equity capital to assets | 9.5573% | 4,486 |
| Core capital (leverage) ratio | 9.4462% | 4,257 |
| Tier 1 risk-based capital ratio | 11.7398% | 5,107 |
| Total risk-based capital ratio | 12.7866% | 5,137 |
| Memoranda: | ||
| Average total assets | $630,415,200 | 1,083 |
| Average earning assets | $587,354,800 | 1,062 |
| Average equity | $63,524,000 | 1,188 |
| Average total loans | $493,794,400 | 951 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0729% | 3,051 |
| Cost of funding earning assets | 0.5698% | 1,632 |
| Net interest margin | 3.5031% | 3,520 |
| Noninterest income to average assets | 1.0155% | 1,154 |
| Noninterest expense to average assets | 3.2767% | 1,757 |
| Loan and lease loss provision to assets | 0.1094% | 2,055 |
| Net operating income to assets | 0.6206% | 4,282 |
| Return on assets (ROA) | 0.6610% | 4,188 |
| Pretax return on assets | 0.9478% | 3,820 |
| Return on Equity (ROE) | 6.4670% | 3,931 |
| Retained earnings to average equity (ytd only) | 6.4670% | 1,980 |
| Net charge-offs to loans | 0.1401% | 1,722 |
| Credit loss provision to net charge-offs | 100.0000% | 2,257 |
| Earnings coverage of net charge-offs (x) | 9.1324% | 2,732 |
| Efficiency ratio | 76.6262% | 2,140 |
| Assets per employee ($millions) | 4.7770% | 2,588 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1255% | 4,084 |
| Loan loss allowance to noncurrent loans | 99.2784% | 3,693 |
| Noncurrent assets plus other real estate owned to assets | 1.3982% | 1,646 |
| Noncurrent loans to loans | 1.1337% | 2,242 |
| Net loans and leases to total assets | 76.8441% | 1,268 |
| Net loans and leases to deposits | 98.6040% | 766 |
| Net loans and leases to core deposits | 107.4615% | 1,006 |
| Total domestic deposits to total assets | 77.9320% | 5,196 |
| Equity capital to assets | 10.0217% | 4,125 |
| Core capital (leverage) ratio | 9.8166% | 3,881 |
| Tier 1 risk-based capital ratio | 12.3895% | 4,832 |
| Total risk-based capital ratio | 13.5227% | 4,804 |
| Memoranda: | ||
| Average total assets | $616,427,000 | 1,110 |
| Average earning assets | $573,756,000 | 1,094 |
| Average equity | $63,005,500 | 1,204 |
| Average total loans | $481,387,000 | 970 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0866% | 2,944 |
| Cost of funding earning assets | 0.5721% | 1,627 |
| Net interest margin | 3.5145% | 3,443 |
| Noninterest income to average assets | 1.0205% | 1,141 |
| Noninterest expense to average assets | 3.2438% | 1,858 |
| Loan and lease loss provision to assets | 0.1664% | 1,259 |
| Net operating income to assets | 0.6101% | 4,292 |
| Return on assets (ROA) | 0.6683% | 4,145 |
| Pretax return on assets | 0.9639% | 3,723 |
| Return on Equity (ROE) | 6.4933% | 3,886 |
| Retained earnings to average equity (ytd only) | 6.4933% | 1,949 |
| Net charge-offs to loans | 0.1660% | 1,474 |
| Credit loss provision to net charge-offs | 128.1726% | 1,717 |
| Earnings coverage of net charge-offs (x) | 8.0558% | 2,602 |
| Efficiency ratio | 75.6184% | 2,430 |
| Assets per employee ($millions) | 4.5988% | 2,831 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2007% | 3,785 |
| Loan loss allowance to noncurrent loans | 113.5861% | 3,405 |
| Noncurrent assets plus other real estate owned to assets | 1.4508% | 1,711 |
| Noncurrent loans to loans | 1.0571% | 2,530 |
| Net loans and leases to total assets | 76.2382% | 1,334 |
| Net loans and leases to deposits | 97.0335% | 869 |
| Net loans and leases to core deposits | 105.0005% | 1,125 |
| Total domestic deposits to total assets | 78.5689% | 5,175 |
| Equity capital to assets | 10.1464% | 3,872 |
| Core capital (leverage) ratio | 9.8531% | 3,795 |
| Tier 1 risk-based capital ratio | 12.7183% | 4,671 |
| Total risk-based capital ratio | 13.9331% | 4,619 |
| Memoranda: | ||
| Average total assets | $606,938,330 | 1,137 |
| Average earning assets | $564,578,670 | 1,117 |
| Average equity | $62,464,330 | 1,219 |
| Average total loans | $474,781,670 | 979 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0674% | 2,962 |
| Cost of funding earning assets | 0.5711% | 1,651 |
| Net interest margin | 3.4963% | 3,452 |
| Noninterest income to average assets | 1.1567% | 854 |
| Noninterest expense to average assets | 3.3321% | 1,645 |
| Loan and lease loss provision to assets | 0.2033% | 899 |
| Net operating income to assets | 0.6225% | 4,184 |
| Return on assets (ROA) | 0.7020% | 3,915 |
| Pretax return on assets | 0.9860% | 3,552 |
| Return on Equity (ROE) | 6.7717% | 3,623 |
| Retained earnings to average equity (ytd only) | 6.7717% | 2,114 |
| Net charge-offs to loans | 0.1549% | 1,331 |
| Credit loss provision to net charge-offs | 166.6667% | 1,169 |
| Earnings coverage of net charge-offs (x) | 8.8306% | 2,055 |
| Efficiency ratio | 75.5670% | 2,572 |
| Assets per employee ($millions) | 4.5427% | 2,982 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2176% | 3,858 |
| Loan loss allowance to noncurrent loans | 86.8838% | 4,002 |
| Noncurrent assets plus other real estate owned to assets | 1.5699% | 1,643 |
| Noncurrent loans to loans | 1.4014% | 2,048 |
| Net loans and leases to total assets | 77.3844% | 1,012 |
| Net loans and leases to deposits | 98.7244% | 636 |
| Net loans and leases to core deposits | 106.8629% | 883 |
| Total domestic deposits to total assets | 78.3842% | 5,371 |
| Equity capital to assets | 10.3895% | 3,665 |
| Core capital (leverage) ratio | 9.9651% | 3,644 |
| Tier 1 risk-based capital ratio | 12.6718% | 4,799 |
| Total risk-based capital ratio | 13.9043% | 4,727 |
| Memoranda: | ||
| Average total assets | $599,987,500 | 1,155 |
| Average earning assets | $558,192,000 | 1,133 |
| Average equity | $62,200,000 | 1,231 |
| Average total loans | $472,638,000 | 985 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1271% | 3,215 |
| Cost of funding earning assets | 0.5961% | 1,790 |
| Net interest margin | 3.5311% | 3,681 |
| Noninterest income to average assets | 1.0072% | 1,196 |
| Noninterest expense to average assets | 3.3198% | 1,875 |
| Loan and lease loss provision to assets | 0.2747% | 783 |
| Net operating income to assets | 0.4832% | 4,877 |
| Return on assets (ROA) | 0.5205% | 4,816 |
| Pretax return on assets | 0.7278% | 4,518 |
| Return on Equity (ROE) | 4.9078% | 4,712 |
| Retained earnings to average equity (ytd only) | 4.9078% | 2,674 |
| Net charge-offs to loans | 0.3065% | 1,442 |
| Credit loss provision to net charge-offs | 116.7046% | 2,046 |
| Earnings coverage of net charge-offs (x) | 4.0387% | 3,750 |
| Efficiency ratio | 77.7373% | 2,245 |
| Assets per employee ($millions) | 4.7285% | 2,687 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1952% | 4,029 |
| Loan loss allowance to noncurrent loans | 93.8759% | 3,862 |
| Noncurrent assets plus other real estate owned to assets | 1.7553% | 1,502 |
| Noncurrent loans to loans | 1.2732% | 2,328 |
| Net loans and leases to total assets | 78.2704% | 966 |
| Net loans and leases to deposits | 101.7590% | 525 |
| Net loans and leases to core deposits | 107.7604% | 907 |
| Total domestic deposits to total assets | 76.9174% | 5,611 |
| Equity capital to assets | 10.3440% | 3,672 |
| Core capital (leverage) ratio | 10.1885% | 3,322 |
| Tier 1 risk-based capital ratio | 12.7914% | 4,862 |
| Total risk-based capital ratio | 14.0221% | 4,784 |
| Memoranda: | ||
| Average total assets | $559,468,200 | 1,187 |
| Average earning assets | $517,039,800 | 1,187 |
| Average equity | $59,334,200 | 1,234 |
| Average total loans | $429,633,800 | 1,023 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1411% | 3,204 |
| Cost of funding earning assets | 0.6037% | 1,795 |
| Net interest margin | 3.5374% | 3,683 |
| Noninterest income to average assets | 1.0337% | 1,149 |
| Noninterest expense to average assets | 3.3547% | 1,781 |
| Loan and lease loss provision to assets | 0.2982% | 661 |
| Net operating income to assets | 0.4696% | 4,993 |
| Return on assets (ROA) | 0.5119% | 4,894 |
| Pretax return on assets | 0.7035% | 4,693 |
| Return on Equity (ROE) | 4.7945% | 4,820 |
| Retained earnings to average equity (ytd only) | 4.7945% | 3,218 |
| Net charge-offs to loans | 0.3000% | 1,320 |
| Credit loss provision to net charge-offs | 130.5408% | 1,768 |
| Earnings coverage of net charge-offs (x) | 4.1315% | 3,533 |
| Efficiency ratio | 78.0433% | 2,176 |
| Assets per employee ($millions) | 4.5352% | 2,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2895% | 3,698 |
| Loan loss allowance to noncurrent loans | 70.5773% | 4,470 |
| Noncurrent assets plus other real estate owned to assets | 1.9303% | 1,509 |
| Noncurrent loans to loans | 1.8271% | 1,758 |
| Net loans and leases to total assets | 77.0892% | 1,079 |
| Net loans and leases to deposits | 96.1244% | 866 |
| Net loans and leases to core deposits | 101.5881% | 1,243 |
| Total domestic deposits to total assets | 80.1974% | 5,051 |
| Equity capital to assets | 10.7048% | 3,294 |
| Core capital (leverage) ratio | 10.3069% | 3,284 |
| Tier 1 risk-based capital ratio | 13.3592% | 4,636 |
| Total risk-based capital ratio | 14.6120% | 4,566 |
| Memoranda: | ||
| Average total assets | $550,386,250 | 1,221 |
| Average earning assets | $507,969,750 | 1,218 |
| Average equity | $58,760,500 | 1,252 |
| Average total loans | $419,049,000 | 1,047 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1288% | 3,235 |
| Cost of funding earning assets | 0.6034% | 1,872 |
| Net interest margin | 3.5254% | 3,680 |
| Noninterest income to average assets | 1.0883% | 1,008 |
| Noninterest expense to average assets | 3.3270% | 1,848 |
| Loan and lease loss provision to assets | 0.3131% | 614 |
| Net operating income to assets | 0.5066% | 4,782 |
| Return on assets (ROA) | 0.5267% | 4,798 |
| Pretax return on assets | 0.7227% | 4,563 |
| Return on Equity (ROE) | 4.9382% | 4,703 |
| Retained earnings to average equity (ytd only) | 4.9382% | 2,997 |
| Net charge-offs to loans | 0.2043% | 1,804 |
| Credit loss provision to net charge-offs | 203.0952% | 1,151 |
| Earnings coverage of net charge-offs (x) | 6.5405% | 2,756 |
| Efficiency ratio | 76.7420% | 2,498 |
| Assets per employee ($millions) | 4.3438% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3667% | 3,504 |
| Loan loss allowance to noncurrent loans | 57.3922% | 4,902 |
| Noncurrent assets plus other real estate owned to assets | 2.3478% | 1,253 |
| Noncurrent loans to loans | 2.3813% | 1,338 |
| Net loans and leases to total assets | 75.9853% | 1,172 |
| Net loans and leases to deposits | 94.8782% | 891 |
| Net loans and leases to core deposits | 100.4479% | 1,244 |
| Total domestic deposits to total assets | 80.0872% | 5,216 |
| Equity capital to assets | 10.7532% | 3,143 |
| Core capital (leverage) ratio | 10.3119% | 3,200 |
| Tier 1 risk-based capital ratio | 13.5965% | 4,529 |
| Total risk-based capital ratio | 14.8524% | 4,461 |
| Memoranda: | ||
| Average total assets | $544,880,330 | 1,233 |
| Average earning assets | $501,838,330 | 1,230 |
| Average equity | $58,118,670 | 1,257 |
| Average total loans | $411,155,000 | 1,061 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.1043% | 3,261 |
| Cost of funding earning assets | 0.5955% | 2,007 |
| Net interest margin | 3.5087% | 3,656 |
| Noninterest income to average assets | 1.1919% | 781 |
| Noninterest expense to average assets | 3.2619% | 2,037 |
| Loan and lease loss provision to assets | 0.3360% | 532 |
| Net operating income to assets | 0.5681% | 4,360 |
| Return on assets (ROA) | 0.5681% | 4,437 |
| Pretax return on assets | 0.8233% | 4,011 |
| Return on Equity (ROE) | 5.3488% | 4,365 |
| Retained earnings to average equity (ytd only) | 5.3488% | 2,890 |
| Net charge-offs to loans | 0.4342% | 840 |
| Credit loss provision to net charge-offs | 103.6613% | 1,607 |
| Earnings coverage of net charge-offs (x) | 3.5767% | 2,662 |
| Efficiency ratio | 73.7796% | 3,182 |
| Assets per employee ($millions) | 4.1987% | 3,526 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3173% | 4,029 |
| Loan loss allowance to noncurrent loans | 51.5063% | 5,134 |
| Noncurrent assets plus other real estate owned to assets | 2.5092% | 1,267 |
| Noncurrent loans to loans | 2.5576% | 1,349 |
| Net loans and leases to total assets | 74.6174% | 1,169 |
| Net loans and leases to deposits | 95.4019% | 690 |
| Net loans and leases to core deposits | 98.4106% | 1,211 |
| Total domestic deposits to total assets | 78.2137% | 5,798 |
| Equity capital to assets | 10.6593% | 3,083 |
| Core capital (leverage) ratio | 10.4938% | 2,943 |
| Tier 1 risk-based capital ratio | 13.7695% | 4,491 |
| Total risk-based capital ratio | 15.0235% | 4,446 |
| Memoranda: | ||
| Average total assets | $539,316,000 | 1,252 |
| Average earning assets | $496,362,500 | 1,247 |
| Average equity | $57,283,500 | 1,267 |
| Average total loans | $402,563,000 | 1,093 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0703% | 3,845 |
| Cost of funding earning assets | 0.6187% | 2,494 |
| Net interest margin | 3.4516% | 4,093 |
| Noninterest income to average assets | 1.0894% | 1,189 |
| Noninterest expense to average assets | 3.4254% | 1,823 |
| Loan and lease loss provision to assets | 0.5231% | 529 |
| Net operating income to assets | 0.2675% | 5,629 |
| Return on assets (ROA) | 0.3319% | 5,513 |
| Pretax return on assets | 0.3880% | 5,520 |
| Return on Equity (ROE) | 3.3414% | 5,386 |
| Retained earnings to average equity (ytd only) | 3.3414% | 3,855 |
| Net charge-offs to loans | 0.6188% | 1,062 |
| Credit loss provision to net charge-offs | 119.3478% | 2,004 |
| Earnings coverage of net charge-offs (x) | 1.9078% | 4,418 |
| Efficiency ratio | 80.3747% | 2,091 |
| Assets per employee ($millions) | 4.4033% | 3,079 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3815% | 3,737 |
| Loan loss allowance to noncurrent loans | 45.1148% | 5,452 |
| Noncurrent assets plus other real estate owned to assets | 2.8044% | 1,165 |
| Noncurrent loans to loans | 3.0622% | 1,129 |
| Net loans and leases to total assets | 72.6318% | 1,574 |
| Net loans and leases to deposits | 89.6975% | 1,260 |
| Net loans and leases to core deposits | 92.5336% | 1,726 |
| Total domestic deposits to total assets | 80.9742% | 5,186 |
| Equity capital to assets | 10.5828% | 3,069 |
| Core capital (leverage) ratio | 10.3786% | 3,051 |
| Tier 1 risk-based capital ratio | 14.2145% | 4,145 |
| Total risk-based capital ratio | 15.4720% | 4,082 |
| Memoranda: | ||
| Average total assets | $524,784,400 | 1,269 |
| Average earning assets | $482,299,600 | 1,264 |
| Average equity | $52,133,800 | 1,360 |
| Average total loans | $371,661,000 | 1,145 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0360% | 3,995 |
| Cost of funding earning assets | 0.6218% | 2,633 |
| Net interest margin | 3.4142% | 4,232 |
| Noninterest income to average assets | 1.1051% | 1,200 |
| Noninterest expense to average assets | 3.4622% | 1,692 |
| Loan and lease loss provision to assets | 0.5973% | 405 |
| Net operating income to assets | 0.1675% | 5,995 |
| Return on assets (ROA) | 0.2612% | 5,850 |
| Pretax return on assets | 0.2826% | 5,911 |
| Return on Equity (ROE) | 2.6733% | 5,723 |
| Retained earnings to average equity (ytd only) | 2.6733% | 4,718 |
| Net charge-offs to loans | 0.6050% | 1,034 |
| Credit loss provision to net charge-offs | 140.8298% | 1,668 |
| Earnings coverage of net charge-offs (x) | 1.8346% | 4,221 |
| Efficiency ratio | 81.6432% | 1,874 |
| Assets per employee ($millions) | 4.3050% | 3,221 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4415% | 3,730 |
| Loan loss allowance to noncurrent loans | 41.5717% | 5,577 |
| Noncurrent assets plus other real estate owned to assets | 3.1247% | 1,164 |
| Noncurrent loans to loans | 3.4675% | 1,103 |
| Net loans and leases to total assets | 72.4307% | 1,539 |
| Net loans and leases to deposits | 88.2437% | 1,342 |
| Net loans and leases to core deposits | 90.3995% | 1,930 |
| Total domestic deposits to total assets | 82.0803% | 4,900 |
| Equity capital to assets | 10.4812% | 3,300 |
| Core capital (leverage) ratio | 10.3886% | 3,122 |
| Tier 1 risk-based capital ratio | 13.7832% | 4,581 |
| Total risk-based capital ratio | 15.0390% | 4,530 |
| Memoranda: | ||
| Average total assets | $522,781,000 | 1,282 |
| Average earning assets | $480,063,250 | 1,284 |
| Average equity | $51,071,000 | 1,399 |
| Average total loans | $366,475,750 | 1,168 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.0093% | 4,070 |
| Cost of funding earning assets | 0.6406% | 2,583 |
| Net interest margin | 3.3687% | 4,307 |
| Noninterest income to average assets | 1.1115% | 1,230 |
| Noninterest expense to average assets | 3.5403% | 1,519 |
| Loan and lease loss provision to assets | 0.7097% | 325 |
| Net operating income to assets | -0.0089% | 6,307 |
| Return on assets (ROA) | 0.1449% | 6,141 |
| Pretax return on assets | 0.1067% | 6,220 |
| Return on Equity (ROE) | 1.5209% | 6,089 |
| Retained earnings to average equity (ytd only) | 1.5209% | 5,262 |
| Net charge-offs to loans | 0.6544% | 998 |
| Credit loss provision to net charge-offs | 157.3015% | 1,472 |
| Earnings coverage of net charge-offs (x) | 1.4688% | 4,047 |
| Efficiency ratio | 84.2240% | 1,605 |
| Assets per employee ($millions) | 4.2396% | 3,270 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5011% | 3,581 |
| Loan loss allowance to noncurrent loans | 39.2316% | 5,666 |
| Noncurrent assets plus other real estate owned to assets | 3.3832% | 1,151 |
| Noncurrent loans to loans | 3.8263% | 1,058 |
| Net loans and leases to total assets | 70.4824% | 1,803 |
| Net loans and leases to deposits | 86.1279% | 1,562 |
| Net loans and leases to core deposits | 88.0985% | 2,095 |
| Total domestic deposits to total assets | 81.8346% | 5,102 |
| Equity capital to assets | 9.1614% | 5,034 |
| Core capital (leverage) ratio | 9.1221% | 4,801 |
| Tier 1 risk-based capital ratio | 12.1258% | 5,722 |
| Total risk-based capital ratio | 13.3813% | 5,660 |
| Memoranda: | ||
| Average total assets | $519,103,330 | 1,290 |
| Average earning assets | $476,391,670 | 1,291 |
| Average equity | $49,444,670 | 1,445 |
| Average total loans | $357,867,670 | 1,192 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9659% | 4,243 |
| Cost of funding earning assets | 0.6758% | 2,429 |
| Net interest margin | 3.2901% | 4,552 |
| Noninterest income to average assets | 1.1974% | 1,052 |
| Noninterest expense to average assets | 3.4773% | 1,667 |
| Loan and lease loss provision to assets | 0.8856% | 225 |
| Net operating income to assets | -0.1210% | 6,460 |
| Return on assets (ROA) | 0.1660% | 6,094 |
| Pretax return on assets | 0.1419% | 6,188 |
| Return on Equity (ROE) | 1.7091% | 6,024 |
| Retained earnings to average equity (ytd only) | 1.7091% | 5,124 |
| Net charge-offs to loans | 0.9314% | 658 |
| Credit loss provision to net charge-offs | 140.6404% | 1,429 |
| Earnings coverage of net charge-offs (x) | 1.1761% | 3,437 |
| Efficiency ratio | 82.4232% | 1,974 |
| Assets per employee ($millions) | 4.0774% | 3,783 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5174% | 3,749 |
| Loan loss allowance to noncurrent loans | 33.9910% | 5,872 |
| Noncurrent assets plus other real estate owned to assets | 4.2933% | 880 |
| Noncurrent loans to loans | 4.4640% | 937 |
| Net loans and leases to total assets | 66.5036% | 2,282 |
| Net loans and leases to deposits | 79.1983% | 2,186 |
| Net loans and leases to core deposits | 81.1198% | 2,678 |
| Total domestic deposits to total assets | 83.9709% | 4,484 |
| Equity capital to assets | 9.6320% | 4,662 |
| Core capital (leverage) ratio | 9.0921% | 4,732 |
| Tier 1 risk-based capital ratio | 12.7400% | 5,410 |
| Total risk-based capital ratio | 13.9959% | 5,353 |
| Memoranda: | ||
| Average total assets | $515,798,000 | 1,309 |
| Average earning assets | $473,535,000 | 1,307 |
| Average equity | $50,085,500 | 1,451 |
| Average total loans | $348,710,000 | 1,214 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2688% | 4,323 |
| Cost of funding earning assets | 0.7618% | 2,996 |
| Net interest margin | 3.5070% | 4,475 |
| Noninterest income to average assets | 1.0199% | 1,479 |
| Noninterest expense to average assets | 3.5828% | 1,647 |
| Loan and lease loss provision to assets | 0.8505% | 552 |
| Net operating income to assets | -0.1571% | 6,345 |
| Return on assets (ROA) | 0.1958% | 5,966 |
| Pretax return on assets | 0.1577% | 6,056 |
| Return on Equity (ROE) | 1.9849% | 5,905 |
| Retained earnings to average equity (ytd only) | 1.9849% | 4,826 |
| Net charge-offs to loans | 1.9198% | 392 |
| Credit loss provision to net charge-offs | 65.9659% | 4,287 |
| Earnings coverage of net charge-offs (x) | 0.5082% | 5,231 |
| Efficiency ratio | 84.5152% | 1,571 |
| Assets per employee ($millions) | 3.9218% | 4,100 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4310% | 4,010 |
| Loan loss allowance to noncurrent loans | 27.5313% | 6,163 |
| Noncurrent assets plus other real estate owned to assets | 4.5040% | 921 |
| Noncurrent loans to loans | 5.1976% | 746 |
| Net loans and leases to total assets | 66.7157% | 2,419 |
| Net loans and leases to deposits | 79.0834% | 2,394 |
| Net loans and leases to core deposits | 81.0371% | 2,877 |
| Total domestic deposits to total assets | 84.3612% | 4,148 |
| Equity capital to assets | 9.7892% | 4,466 |
| Core capital (leverage) ratio | 9.2746% | 4,460 |
| Tier 1 risk-based capital ratio | 12.8823% | 5,194 |
| Total risk-based capital ratio | 14.1343% | 5,129 |
| Memoranda: | ||
| Average total assets | $509,094,400 | 1,311 |
| Average earning assets | $467,177,000 | 1,307 |
| Average equity | $50,229,000 | 1,412 |
| Average total loans | $341,911,200 | 1,236 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3270% | 4,342 |
| Cost of funding earning assets | 0.7826% | 3,087 |
| Net interest margin | 3.5444% | 4,466 |
| Noninterest income to average assets | 1.0224% | 1,450 |
| Noninterest expense to average assets | 3.4350% | 1,911 |
| Loan and lease loss provision to assets | 0.7670% | 635 |
| Net operating income to assets | 0.0721% | 6,172 |
| Return on assets (ROA) | 0.2698% | 5,914 |
| Pretax return on assets | 0.2717% | 6,006 |
| Return on Equity (ROE) | 2.7296% | 5,777 |
| Retained earnings to average equity (ytd only) | 2.7296% | 4,912 |
| Net charge-offs to loans | 1.3358% | 691 |
| Credit loss provision to net charge-offs | 85.6640% | 3,437 |
| Earnings coverage of net charge-offs (x) | 0.9370% | 4,857 |
| Efficiency ratio | 80.3464% | 2,042 |
| Assets per employee ($millions) | 3.9634% | 3,945 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9745% | 2,245 |
| Loan loss allowance to noncurrent loans | 27.9448% | 6,217 |
| Noncurrent assets plus other real estate owned to assets | 5.7926% | 717 |
| Noncurrent loans to loans | 7.0656% | 510 |
| Net loans and leases to total assets | 66.2908% | 2,600 |
| Net loans and leases to deposits | 79.7538% | 2,429 |
| Net loans and leases to core deposits | 81.7678% | 2,993 |
| Total domestic deposits to total assets | 83.1193% | 4,601 |
| Equity capital to assets | 10.1454% | 4,284 |
| Core capital (leverage) ratio | 9.3578% | 4,493 |
| Tier 1 risk-based capital ratio | 13.1820% | 5,105 |
| Total risk-based capital ratio | 14.4358% | 5,070 |
| Memoranda: | ||
| Average total assets | $507,927,500 | 1,330 |
| Average earning assets | $465,965,500 | 1,327 |
| Average equity | $50,213,000 | 1,424 |
| Average total loans | $340,455,000 | 1,249 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3314% | 4,447 |
| Cost of funding earning assets | 0.8046% | 3,153 |
| Net interest margin | 3.5268% | 4,563 |
| Noninterest income to average assets | 0.9822% | 1,512 |
| Noninterest expense to average assets | 3.4606% | 1,876 |
| Loan and lease loss provision to assets | 0.7137% | 755 |
| Net operating income to assets | 0.0930% | 6,186 |
| Return on assets (ROA) | 0.1680% | 6,180 |
| Pretax return on assets | 0.1182% | 6,292 |
| Return on Equity (ROE) | 1.7145% | 6,125 |
| Retained earnings to average equity (ytd only) | 1.7145% | 5,335 |
| Net charge-offs to loans | 1.6260% | 573 |
| Credit loss provision to net charge-offs | 65.6792% | 3,669 |
| Earnings coverage of net charge-offs (x) | 0.6965% | 4,706 |
| Efficiency ratio | 82.0255% | 1,878 |
| Assets per employee ($millions) | 4.0250% | 3,819 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8046% | 2,838 |
| Loan loss allowance to noncurrent loans | 25.6968% | 6,331 |
| Noncurrent assets plus other real estate owned to assets | 5.8443% | 740 |
| Noncurrent loans to loans | 7.0228% | 551 |
| Net loans and leases to total assets | 66.6347% | 2,544 |
| Net loans and leases to deposits | 78.9977% | 2,525 |
| Net loans and leases to core deposits | 81.0456% | 3,082 |
| Total domestic deposits to total assets | 84.3502% | 4,167 |
| Equity capital to assets | 9.8580% | 4,535 |
| Core capital (leverage) ratio | 9.1021% | 4,761 |
| Tier 1 risk-based capital ratio | 12.7665% | 5,361 |
| Total risk-based capital ratio | 14.0237% | 5,330 |
| Memoranda: | ||
| Average total assets | $509,453,670 | 1,330 |
| Average earning assets | $467,336,000 | 1,324 |
| Average equity | $49,928,330 | 1,423 |
| Average total loans | $340,475,000 | 1,248 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2969% | 4,750 |
| Cost of funding earning assets | 0.8428% | 3,123 |
| Net interest margin | 3.4541% | 4,899 |
| Noninterest income to average assets | 0.9572% | 1,543 |
| Noninterest expense to average assets | 3.7704% | 1,253 |
| Loan and lease loss provision to assets | 0.6764% | 788 |
| Net operating income to assets | -0.1231% | 6,564 |
| Return on assets (ROA) | -0.0944% | 6,617 |
| Pretax return on assets | -0.2729% | 6,713 |
| Return on Equity (ROE) | -0.9659% | 6,622 |
| Retained earnings to average equity (ytd only) | -0.9659% | 6,148 |
| Net charge-offs to loans | 0.5373% | 1,742 |
| Credit loss provision to net charge-offs | 189.8455% | 1,389 |
| Earnings coverage of net charge-offs (x) | 1.0066% | 3,823 |
| Efficiency ratio | 91.2762% | 993 |
| Assets per employee ($millions) | 4.0655% | 3,873 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2708% | 1,735 |
| Loan loss allowance to noncurrent loans | 27.0423% | 6,299 |
| Noncurrent assets plus other real estate owned to assets | 6.4648% | 699 |
| Noncurrent loans to loans | 8.3972% | 438 |
| Net loans and leases to total assets | 63.9956% | 2,850 |
| Net loans and leases to deposits | 75.6629% | 2,852 |
| Net loans and leases to core deposits | 77.6200% | 3,384 |
| Total domestic deposits to total assets | 84.5800% | 4,232 |
| Equity capital to assets | 9.7093% | 4,508 |
| Core capital (leverage) ratio | 9.1937% | 4,529 |
| Tier 1 risk-based capital ratio | 13.1845% | 5,078 |
| Total risk-based capital ratio | 14.4472% | 5,041 |
| Memoranda: | ||
| Average total assets | $508,590,000 | 1,338 |
| Average earning assets | $467,039,500 | 1,330 |
| Average equity | $49,696,500 | 1,417 |
| Average total loans | $337,270,500 | 1,256 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8147% | 3,739 |
| Cost of funding earning assets | 0.9518% | 3,709 |
| Net interest margin | 3.8628% | 3,508 |
| Noninterest income to average assets | 1.0107% | 1,339 |
| Noninterest expense to average assets | 3.2488% | 2,694 |
| Loan and lease loss provision to assets | 0.6862% | 1,490 |
| Net operating income to assets | 0.4789% | 4,511 |
| Return on assets (ROA) | 0.5835% | 4,263 |
| Pretax return on assets | 0.7520% | 4,148 |
| Return on Equity (ROE) | 5.8418% | 3,948 |
| Retained earnings to average equity (ytd only) | 5.8418% | 2,109 |
| Net charge-offs to loans | 0.7354% | 2,311 |
| Credit loss provision to net charge-offs | 132.6113% | 2,296 |
| Earnings coverage of net charge-offs (x) | 2.5203% | 3,954 |
| Efficiency ratio | 71.3094% | 3,729 |
| Assets per employee ($millions) | 4.0074% | 3,832 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1262% | 1,937 |
| Loan loss allowance to noncurrent loans | 28.7411% | 6,266 |
| Noncurrent assets plus other real estate owned to assets | 6.0396% | 809 |
| Noncurrent loans to loans | 7.3977% | 582 |
| Net loans and leases to total assets | 65.7312% | 2,835 |
| Net loans and leases to deposits | 77.8955% | 2,858 |
| Net loans and leases to core deposits | 79.8907% | 3,459 |
| Total domestic deposits to total assets | 84.3838% | 4,149 |
| Equity capital to assets | 9.8344% | 4,394 |
| Core capital (leverage) ratio | 9.2866% | 4,352 |
| Tier 1 risk-based capital ratio | 13.0475% | 5,026 |
| Total risk-based capital ratio | 14.3072% | 4,997 |
| Memoranda: | ||
| Average total assets | $481,752,200 | 1,383 |
| Average earning assets | $441,776,600 | 1,370 |
| Average equity | $48,119,000 | 1,417 |
| Average total loans | $339,004,200 | 1,252 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9061% | 3,527 |
| Cost of funding earning assets | 0.9589% | 3,972 |
| Net interest margin | 3.9472% | 3,166 |
| Noninterest income to average assets | 1.0323% | 1,266 |
| Noninterest expense to average assets | 3.2151% | 2,786 |
| Loan and lease loss provision to assets | 0.7530% | 1,264 |
| Net operating income to assets | 0.5297% | 4,408 |
| Return on assets (ROA) | 0.5883% | 4,319 |
| Pretax return on assets | 0.7589% | 4,286 |
| Return on Equity (ROE) | 5.8656% | 4,086 |
| Retained earnings to average equity (ytd only) | 5.8656% | 2,639 |
| Net charge-offs to loans | 0.6624% | 2,261 |
| Credit loss provision to net charge-offs | 159.6200% | 1,934 |
| Earnings coverage of net charge-offs (x) | 3.0457% | 3,614 |
| Efficiency ratio | 69.0654% | 4,116 |
| Assets per employee ($millions) | 4.0486% | 3,735 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1949% | 1,868 |
| Loan loss allowance to noncurrent loans | 25.5939% | 6,459 |
| Noncurrent assets plus other real estate owned to assets | 6.7547% | 750 |
| Noncurrent loans to loans | 8.5760% | 488 |
| Net loans and leases to total assets | 66.7682% | 2,723 |
| Net loans and leases to deposits | 79.3236% | 2,757 |
| Net loans and leases to core deposits | 81.1053% | 3,470 |
| Total domestic deposits to total assets | 84.1719% | 4,146 |
| Equity capital to assets | 9.9493% | 4,408 |
| Core capital (leverage) ratio | 9.4210% | 4,271 |
| Tier 1 risk-based capital ratio | 13.1096% | 5,016 |
| Total risk-based capital ratio | 14.3706% | 4,986 |
| Memoranda: | ||
| Average total assets | $475,957,500 | 1,405 |
| Average earning assets | $436,450,250 | 1,400 |
| Average equity | $47,734,500 | 1,434 |
| Average total loans | $338,978,500 | 1,262 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0010% | 3,152 |
| Cost of funding earning assets | 0.9595% | 4,254 |
| Net interest margin | 4.0415% | 2,644 |
| Noninterest income to average assets | 1.0541% | 1,183 |
| Noninterest expense to average assets | 3.1747% | 2,987 |
| Loan and lease loss provision to assets | 0.8303% | 1,096 |
| Net operating income to assets | 0.5667% | 4,229 |
| Return on assets (ROA) | 0.6537% | 3,904 |
| Pretax return on assets | 0.8652% | 3,782 |
| Return on Equity (ROE) | 6.4995% | 3,704 |
| Retained earnings to average equity (ytd only) | 6.4995% | 2,143 |
| Net charge-offs to loans | 0.4782% | 2,665 |
| Credit loss provision to net charge-offs | 240.2709% | 1,259 |
| Earnings coverage of net charge-offs (x) | 4.5751% | 2,825 |
| Efficiency ratio | 66.7114% | 4,742 |
| Assets per employee ($millions) | 3.8935% | 4,005 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2234% | 1,876 |
| Loan loss allowance to noncurrent loans | 28.8857% | 6,329 |
| Noncurrent assets plus other real estate owned to assets | 6.4814% | 823 |
| Noncurrent loans to loans | 7.6971% | 611 |
| Net loans and leases to total assets | 70.3452% | 2,149 |
| Net loans and leases to deposits | 84.1870% | 2,081 |
| Net loans and leases to core deposits | 85.9118% | 2,919 |
| Total domestic deposits to total assets | 83.5583% | 4,525 |
| Equity capital to assets | 10.2575% | 3,808 |
| Core capital (leverage) ratio | 9.5635% | 3,863 |
| Tier 1 risk-based capital ratio | 12.8354% | 5,063 |
| Total risk-based capital ratio | 14.0968% | 5,024 |
| Memoranda: | ||
| Average total assets | $469,968,670 | 1,427 |
| Average earning assets | $430,436,670 | 1,428 |
| Average equity | $47,265,330 | 1,434 |
| Average total loans | $339,576,330 | 1,273 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0282% | 2,970 |
| Cost of funding earning assets | 0.9569% | 4,514 |
| Net interest margin | 4.0713% | 2,382 |
| Noninterest income to average assets | 1.0609% | 1,168 |
| Noninterest expense to average assets | 3.2476% | 2,714 |
| Loan and lease loss provision to assets | 0.7150% | 1,185 |
| Net operating income to assets | 0.6400% | 3,803 |
| Return on assets (ROA) | 0.6400% | 3,875 |
| Pretax return on assets | 0.8436% | 3,726 |
| Return on Equity (ROE) | 6.4277% | 3,661 |
| Retained earnings to average equity (ytd only) | 6.4277% | 2,407 |
| Net charge-offs to loans | 0.0118% | 4,921 |
| Credit loss provision to net charge-offs | 8,390.0000% | 29 |
| Earnings coverage of net charge-offs (x) | 182.9000% | 174 |
| Efficiency ratio | 67.5177% | 4,752 |
| Assets per employee ($millions) | 3.9239% | 4,008 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1097% | 2,167 |
| Loan loss allowance to noncurrent loans | 29.0282% | 6,354 |
| Noncurrent assets plus other real estate owned to assets | 5.7765% | 1,022 |
| Noncurrent loans to loans | 7.2677% | 735 |
| Net loans and leases to total assets | 71.8054% | 1,761 |
| Net loans and leases to deposits | 85.7386% | 1,770 |
| Net loans and leases to core deposits | 87.5024% | 2,668 |
| Total domestic deposits to total assets | 83.7492% | 4,598 |
| Equity capital to assets | 10.1042% | 3,644 |
| Core capital (leverage) ratio | 9.4112% | 3,940 |
| Tier 1 risk-based capital ratio | 12.5481% | 5,225 |
| Total risk-based capital ratio | 13.8080% | 5,188 |
| Memoranda: | ||
| Average total assets | $469,394,000 | 1,441 |
| Average earning assets | $431,806,500 | 1,429 |
| Average equity | $46,735,500 | 1,433 |
| Average total loans | $339,892,000 | 1,285 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0683% | 4,243 |
| Cost of funding earning assets | 1.2440% | 4,253 |
| Net interest margin | 3.8243% | 3,842 |
| Noninterest income to average assets | 1.0032% | 1,492 |
| Noninterest expense to average assets | 3.1486% | 3,278 |
| Loan and lease loss provision to assets | 0.6955% | 2,354 |
| Net operating income to assets | 0.5229% | 3,991 |
| Return on assets (ROA) | 0.5318% | 4,112 |
| Pretax return on assets | 0.6830% | 4,037 |
| Return on Equity (ROE) | 5.5212% | 3,825 |
| Retained earnings to average equity (ytd only) | 5.5212% | 2,095 |
| Net charge-offs to loans | 0.7166% | 2,867 |
| Credit loss provision to net charge-offs | 137.8731% | 2,768 |
| Earnings coverage of net charge-offs (x) | 2.7100% | 3,733 |
| Efficiency ratio | 69.6595% | 4,250 |
| Assets per employee ($millions) | 3.9987% | 3,790 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8967% | 2,575 |
| Loan loss allowance to noncurrent loans | 28.5555% | 6,380 |
| Noncurrent assets plus other real estate owned to assets | 5.2558% | 1,189 |
| Noncurrent loans to loans | 6.6422% | 880 |
| Net loans and leases to total assets | 70.1228% | 2,511 |
| Net loans and leases to deposits | 85.5355% | 2,175 |
| Net loans and leases to core deposits | 87.7695% | 3,085 |
| Total domestic deposits to total assets | 81.9809% | 5,195 |
| Equity capital to assets | 9.8104% | 3,986 |
| Core capital (leverage) ratio | 9.0371% | 4,478 |
| Tier 1 risk-based capital ratio | 12.3729% | 5,141 |
| Total risk-based capital ratio | 13.6301% | 5,104 |
| Memoranda: | ||
| Average total assets | $471,572,800 | 1,418 |
| Average earning assets | $433,120,400 | 1,402 |
| Average equity | $45,425,000 | 1,472 |
| Average total loans | $331,966,400 | 1,345 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0472% | 4,600 |
| Cost of funding earning assets | 1.3006% | 4,214 |
| Net interest margin | 3.7466% | 4,201 |
| Noninterest income to average assets | 1.0234% | 1,401 |
| Noninterest expense to average assets | 3.1360% | 3,163 |
| Loan and lease loss provision to assets | 0.6685% | 2,291 |
| Net operating income to assets | 0.5115% | 4,261 |
| Return on assets (ROA) | 0.5234% | 4,385 |
| Pretax return on assets | 0.6733% | 4,332 |
| Return on Equity (ROE) | 5.4590% | 4,053 |
| Retained earnings to average equity (ytd only) | 5.4590% | 2,672 |
| Net charge-offs to loans | 0.7109% | 2,644 |
| Credit loss provision to net charge-offs | 134.0896% | 3,009 |
| Earnings coverage of net charge-offs (x) | 2.6608% | 3,820 |
| Efficiency ratio | 70.2047% | 4,021 |
| Assets per employee ($millions) | 4.0837% | 3,676 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8330% | 2,681 |
| Loan loss allowance to noncurrent loans | 27.2139% | 6,501 |
| Noncurrent assets plus other real estate owned to assets | 5.0841% | 1,263 |
| Noncurrent loans to loans | 6.7354% | 867 |
| Net loans and leases to total assets | 67.7633% | 3,280 |
| Net loans and leases to deposits | 81.7436% | 3,153 |
| Net loans and leases to core deposits | 84.8676% | 3,825 |
| Total domestic deposits to total assets | 82.8974% | 4,630 |
| Equity capital to assets | 9.6646% | 4,595 |
| Core capital (leverage) ratio | 8.9355% | 4,786 |
| Tier 1 risk-based capital ratio | 12.2914% | 5,190 |
| Total risk-based capital ratio | 13.5478% | 5,153 |
| Memoranda: | ||
| Average total assets | $471,505,000 | 1,437 |
| Average earning assets | $432,808,000 | 1,422 |
| Average equity | $45,208,750 | 1,487 |
| Average total loans | $330,641,250 | 1,363 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0782% | 4,566 |
| Cost of funding earning assets | 1.3600% | 4,125 |
| Net interest margin | 3.7182% | 4,278 |
| Noninterest income to average assets | 1.0431% | 1,241 |
| Noninterest expense to average assets | 3.1159% | 3,239 |
| Loan and lease loss provision to assets | 0.7273% | 2,002 |
| Net operating income to assets | 0.4777% | 4,423 |
| Return on assets (ROA) | 0.4957% | 4,503 |
| Pretax return on assets | 0.6367% | 4,447 |
| Return on Equity (ROE) | 5.1838% | 4,197 |
| Retained earnings to average equity (ytd only) | 5.1838% | 2,794 |
| Net charge-offs to loans | 1.0601% | 1,772 |
| Credit loss provision to net charge-offs | 97.3128% | 4,199 |
| Earnings coverage of net charge-offs (x) | 1.7942% | 4,175 |
| Efficiency ratio | 69.8466% | 4,216 |
| Assets per employee ($millions) | 4.1219% | 3,539 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6553% | 3,236 |
| Loan loss allowance to noncurrent loans | 23.2268% | 6,779 |
| Noncurrent assets plus other real estate owned to assets | 5.8109% | 1,032 |
| Noncurrent loans to loans | 7.1265% | 786 |
| Net loans and leases to total assets | 67.1303% | 3,590 |
| Net loans and leases to deposits | 80.7757% | 3,467 |
| Net loans and leases to core deposits | 83.8042% | 4,158 |
| Total domestic deposits to total assets | 83.1071% | 4,527 |
| Equity capital to assets | 9.4241% | 4,827 |
| Core capital (leverage) ratio | 8.8367% | 4,850 |
| Tier 1 risk-based capital ratio | 11.9388% | 5,363 |
| Total risk-based capital ratio | 13.1926% | 5,331 |
| Memoranda: | ||
| Average total assets | $468,049,000 | 1,460 |
| Average earning assets | $429,718,670 | 1,450 |
| Average equity | $44,754,670 | 1,488 |
| Average total loans | $329,978,330 | 1,378 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1325% | 4,381 |
| Cost of funding earning assets | 1.3722% | 4,341 |
| Net interest margin | 3.7603% | 3,960 |
| Noninterest income to average assets | 1.0257% | 1,219 |
| Noninterest expense to average assets | 3.0373% | 3,535 |
| Loan and lease loss provision to assets | 0.6396% | 1,983 |
| Net operating income to assets | 0.5979% | 3,905 |
| Return on assets (ROA) | 0.5979% | 4,052 |
| Pretax return on assets | 0.8114% | 3,817 |
| Return on Equity (ROE) | 6.2062% | 3,772 |
| Retained earnings to average equity (ytd only) | 6.2062% | 2,521 |
| Net charge-offs to loans | 0.0097% | 5,456 |
| Credit loss provision to net charge-offs | 9,212.5000% | 48 |
| Earnings coverage of net charge-offs (x) | 209.0000% | 163 |
| Efficiency ratio | 67.5947% | 4,802 |
| Assets per employee ($millions) | 3.9447% | 4,006 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8933% | 2,473 |
| Loan loss allowance to noncurrent loans | 28.1000% | 6,522 |
| Noncurrent assets plus other real estate owned to assets | 5.6415% | 1,087 |
| Noncurrent loans to loans | 6.7378% | 911 |
| Net loans and leases to total assets | 68.7156% | 3,229 |
| Net loans and leases to deposits | 82.9439% | 3,114 |
| Net loans and leases to core deposits | 86.4796% | 3,826 |
| Total domestic deposits to total assets | 82.8459% | 4,701 |
| Equity capital to assets | 9.5472% | 4,454 |
| Core capital (leverage) ratio | 9.0316% | 4,506 |
| Tier 1 risk-based capital ratio | 12.1266% | 5,060 |
| Total risk-based capital ratio | 13.3836% | 5,020 |
| Memoranda: | ||
| Average total assets | $460,942,500 | 1,524 |
| Average earning assets | $424,429,500 | 1,507 |
| Average equity | $44,407,500 | 1,511 |
| Average total loans | $330,371,000 | 1,423 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5017% | 4,133 |
| Cost of funding earning assets | 1.8557% | 3,706 |
| Net interest margin | 3.6460% | 4,364 |
| Noninterest income to average assets | 1.1861% | 1,095 |
| Noninterest expense to average assets | 3.1858% | 3,426 |
| Loan and lease loss provision to assets | 0.7462% | 2,871 |
| Net operating income to assets | 0.4708% | 3,856 |
| Return on assets (ROA) | 0.4943% | 3,850 |
| Pretax return on assets | 0.6208% | 3,845 |
| Return on Equity (ROE) | 5.3616% | 3,493 |
| Retained earnings to average equity (ytd only) | 5.1261% | 1,752 |
| Net charge-offs to loans | 1.1400% | 2,145 |
| Credit loss provision to net charge-offs | 91.4785% | 5,954 |
| Earnings coverage of net charge-offs (x) | 1.6398% | 4,513 |
| Efficiency ratio | 70.3413% | 4,551 |
| Assets per employee ($millions) | 3.9006% | 4,021 |
| Cash dividends to net income (ytd only)* | 4.3922% | 3,974 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6556% | 3,065 |
| Loan loss allowance to noncurrent loans | 30.1945% | 6,459 |
| Noncurrent assets plus other real estate owned to assets | 4.8722% | 1,283 |
| Noncurrent loans to loans | 5.4833% | 1,184 |
| Net loans and leases to total assets | 72.1506% | 2,719 |
| Net loans and leases to deposits | 87.5448% | 2,638 |
| Net loans and leases to core deposits | 97.5518% | 4,275 |
| Total domestic deposits to total assets | 82.4156% | 4,769 |
| Equity capital to assets | 9.7242% | 4,112 |
| Core capital (leverage) ratio | 9.0735% | 4,298 |
| Tier 1 risk-based capital ratio | 11.9132% | 5,019 |
| Total risk-based capital ratio | 13.1677% | 4,968 |
| Memoranda: | ||
| Average total assets | $456,027,800 | 1,518 |
| Average earning assets | $417,415,400 | 1,517 |
| Average equity | $42,040,000 | 1,587 |
| Average total loans | $326,304,800 | 1,476 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5566% | 4,111 |
| Cost of funding earning assets | 1.9881% | 3,424 |
| Net interest margin | 3.5685% | 4,598 |
| Noninterest income to average assets | 1.1719% | 1,144 |
| Noninterest expense to average assets | 3.2513% | 3,122 |
| Loan and lease loss provision to assets | 0.4619% | 3,603 |
| Net operating income to assets | 0.5555% | 3,765 |
| Return on assets (ROA) | 0.5678% | 3,802 |
| Pretax return on assets | 0.7394% | 3,735 |
| Return on Equity (ROE) | 6.2445% | 3,417 |
| Retained earnings to average equity (ytd only) | 5.9268% | 1,988 |
| Net charge-offs to loans | 0.9570% | 2,064 |
| Credit loss provision to net charge-offs | 67.8816% | 6,022 |
| Earnings coverage of net charge-offs (x) | 1.7418% | 4,491 |
| Efficiency ratio | 73.1913% | 4,017 |
| Assets per employee ($millions) | 3.7509% | 4,309 |
| Cash dividends to net income (ytd only)* | 5.0875% | 3,629 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5374% | 3,246 |
| Loan loss allowance to noncurrent loans | 29.4470% | 6,498 |
| Noncurrent assets plus other real estate owned to assets | 4.7937% | 1,240 |
| Noncurrent loans to loans | 5.2208% | 1,233 |
| Net loans and leases to total assets | 72.0547% | 3,026 |
| Net loans and leases to deposits | 87.6640% | 3,028 |
| Net loans and leases to core deposits | 95.3693% | 4,885 |
| Total domestic deposits to total assets | 82.1942% | 4,590 |
| Equity capital to assets | 9.8018% | 4,351 |
| Core capital (leverage) ratio | 8.9065% | 4,800 |
| Tier 1 risk-based capital ratio | 11.8542% | 5,101 |
| Total risk-based capital ratio | 13.1071% | 5,040 |
| Memoranda: | ||
| Average total assets | $456,917,500 | 1,525 |
| Average earning assets | $418,016,250 | 1,528 |
| Average equity | $41,550,250 | 1,630 |
| Average total loans | $324,892,250 | 1,502 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4930% | 4,673 |
| Cost of funding earning assets | 2.1913% | 2,835 |
| Net interest margin | 3.3017% | 5,547 |
| Noninterest income to average assets | 1.2152% | 1,051 |
| Noninterest expense to average assets | 3.2501% | 3,155 |
| Loan and lease loss provision to assets | 0.4630% | 3,211 |
| Net operating income to assets | 0.4351% | 4,357 |
| Return on assets (ROA) | 0.4351% | 4,472 |
| Pretax return on assets | 0.5275% | 4,529 |
| Return on Equity (ROE) | 4.9098% | 4,114 |
| Retained earnings to average equity (ytd only) | 4.4233% | 2,835 |
| Net charge-offs to loans | 0.1033% | 5,129 |
| Credit loss provision to net charge-offs | 636.5269% | 732 |
| Earnings coverage of net charge-offs (x) | 13.6168% | 1,726 |
| Efficiency ratio | 76.5407% | 3,590 |
| Assets per employee ($millions) | 4.0192% | 3,637 |
| Cash dividends to net income (ytd only)* | 9.9099% | 3,399 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0444% | 1,487 |
| Loan loss allowance to noncurrent loans | 47.9591% | 5,156 |
| Noncurrent assets plus other real estate owned to assets | 4.0276% | 1,462 |
| Noncurrent loans to loans | 4.2628% | 1,546 |
| Net loans and leases to total assets | 69.5470% | 3,806 |
| Net loans and leases to deposits | 83.7143% | 3,941 |
| Net loans and leases to core deposits | 90.3348% | 5,505 |
| Total domestic deposits to total assets | 83.0767% | 4,203 |
| Equity capital to assets | 9.1186% | 5,143 |
| Core capital (leverage) ratio | 8.2936% | 5,811 |
| Tier 1 risk-based capital ratio | 11.3196% | 5,572 |
| Total risk-based capital ratio | 12.5780% | 5,468 |
| Memoranda: | ||
| Average total assets | $459,186,000 | 1,543 |
| Average earning assets | $420,753,670 | 1,538 |
| Average equity | $40,694,000 | 1,666 |
| Average total loans | $323,392,670 | 1,541 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4281% | 5,279 |
| Cost of funding earning assets | 2.3995% | 2,299 |
| Net interest margin | 3.0286% | 6,406 |
| Noninterest income to average assets | 1.1685% | 1,072 |
| Noninterest expense to average assets | 3.0563% | 3,532 |
| Loan and lease loss provision to assets | 0.5585% | 2,245 |
| Net operating income to assets | 0.2963% | 5,311 |
| Return on assets (ROA) | 0.2963% | 5,481 |
| Pretax return on assets | 0.3347% | 5,582 |
| Return on Equity (ROE) | 3.3928% | 5,213 |
| Retained earnings to average equity (ytd only) | 2.4120% | 4,536 |
| Net charge-offs to loans | 0.0498% | 4,779 |
| Credit loss provision to net charge-offs | 1,597.5000% | 393 |
| Earnings coverage of net charge-offs (x) | 25.5500% | 1,202 |
| Efficiency ratio | 77.2737% | 3,287 |
| Assets per employee ($millions) | 3.9226% | 3,827 |
| Cash dividends to net income (ytd only)* | 28.9086% | 2,352 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9902% | 1,443 |
| Loan loss allowance to noncurrent loans | 54.5238% | 4,917 |
| Noncurrent assets plus other real estate owned to assets | 3.4200% | 1,582 |
| Noncurrent loans to loans | 3.6502% | 1,721 |
| Net loans and leases to total assets | 65.9818% | 4,587 |
| Net loans and leases to deposits | 78.6219% | 4,828 |
| Net loans and leases to core deposits | 87.3321% | 5,802 |
| Total domestic deposits to total assets | 83.9228% | 3,745 |
| Equity capital to assets | 8.3856% | 6,258 |
| Core capital (leverage) ratio | 8.2348% | 6,021 |
| Tier 1 risk-based capital ratio | 10.7842% | 6,111 |
| Total risk-based capital ratio | 12.0414% | 6,009 |
| Memoranda: | ||
| Average total assets | $457,675,000 | 1,556 |
| Average earning assets | $420,255,500 | 1,551 |
| Average equity | $39,967,500 | 1,706 |
| Average total loans | $321,008,500 | 1,565 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8739% | 6,169 |
| Cost of funding earning assets | 2.6704% | 3,315 |
| Net interest margin | 3.2035% | 6,352 |
| Noninterest income to average assets | 1.2808% | 899 |
| Noninterest expense to average assets | 3.4504% | 2,525 |
| Loan and lease loss provision to assets | 0.3222% | 3,799 |
| Net operating income to assets | 0.3647% | 5,294 |
| Return on assets (ROA) | -0.1508% | 6,407 |
| Pretax return on assets | -0.3618% | 6,510 |
| Return on Equity (ROE) | -1.7455% | 6,468 |
| Retained earnings to average equity (ytd only) | -3.5573% | 6,239 |
| Net charge-offs to loans | 0.2207% | 4,020 |
| Credit loss provision to net charge-offs | 199.1150% | 2,453 |
| Earnings coverage of net charge-offs (x) | 4.7330% | 3,880 |
| Efficiency ratio | 81.5588% | 2,365 |
| Assets per employee ($millions) | 3.4393% | 4,829 |
| Cash dividends to net income (ytd only)* | -103.7975% | 8,145 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8175% | 1,587 |
| Loan loss allowance to noncurrent loans | 59.6511% | 5,027 |
| Noncurrent assets plus other real estate owned to assets | 3.1157% | 1,471 |
| Noncurrent loans to loans | 3.0468% | 1,753 |
| Net loans and leases to total assets | 71.8949% | 3,612 |
| Net loans and leases to deposits | 86.9662% | 3,956 |
| Net loans and leases to core deposits | 98.4059% | 5,002 |
| Total domestic deposits to total assets | 82.6699% | 3,911 |
| Equity capital to assets | 9.1131% | 5,205 |
| Core capital (leverage) ratio | 8.5887% | 5,404 |
| Tier 1 risk-based capital ratio | 11.0362% | 5,692 |
| Total risk-based capital ratio | 12.2920% | 5,578 |
| Memoranda: | ||
| Average total assets | $419,019,200 | 1,622 |
| Average earning assets | $383,954,200 | 1,621 |
| Average equity | $36,207,600 | 1,860 |
| Average total loans | $307,271,400 | 1,578 |