Home > Seacoast Commerce Bank > Performance and Condition Ratios
Seacoast Commerce Bank, Performance and Condition Ratios
| 2020-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4150% | 270 |
| Cost of funding earning assets | 0.2025% | 4,669 |
| Net interest margin | 5.2125% | 101 |
| Noninterest income to average assets | 0.8663% | 1,315 |
| Noninterest expense to average assets | 3.8839% | 420 |
| Loan and lease loss provision to assets | 0.1222% | 2,804 |
| Net operating income to assets | 1.1484% | 1,826 |
| Return on assets (ROA) | 1.1484% | 1,940 |
| Pretax return on assets | 1.6313% | 1,099 |
| Return on Equity (ROE) | 10.3042% | 1,904 |
| Retained earnings to average equity (ytd only) | 6.3821% | 1,931 |
| Net charge-offs to loans | -0.0160% | 4,355 |
| Credit loss provision to net charge-offs | -894.4000% | 3,899 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 68.5308% | 2,106 |
| Assets per employee ($millions) | 8.7329% | 768 |
| Cash dividends to net income (ytd only)* | 38.0626% | 2,011 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6285% | 4,687 |
| Loan loss allowance to noncurrent loans | 154.3878% | 2,650 |
| Noncurrent assets plus other real estate owned to assets | 0.4293% | 2,455 |
| Noncurrent loans to loans | 0.4071% | 2,834 |
| Net loans and leases to total assets | 86.9593% | 110 |
| Net loans and leases to deposits | 114.7932% | 164 |
| Net loans and leases to core deposits | 115.5182% | 512 |
| Total domestic deposits to total assets | 75.7530% | 4,446 |
| Equity capital to assets | 10.5183% | 2,774 |
| Core capital (leverage) ratio | 8.3547% | 4,418 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.6568% | 1,949 |
| Memoranda: | ||
| Average total assets | $1,220,089,250 | 732 |
| Average earning assets | $1,116,765,000 | 730 |
| Average equity | $135,980,500 | 733 |
| Average total loans | $1,040,763,500 | 607 |
| 2020-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6539% | 253 |
| Cost of funding earning assets | 0.2548% | 4,608 |
| Net interest margin | 5.3991% | 99 |
| Noninterest income to average assets | 0.8211% | 1,374 |
| Noninterest expense to average assets | 3.8371% | 481 |
| Loan and lease loss provision to assets | 0.1393% | 2,620 |
| Net operating income to assets | 1.2747% | 1,422 |
| Return on assets (ROA) | 1.2747% | 1,542 |
| Pretax return on assets | 1.7723% | 857 |
| Return on Equity (ROE) | 11.2015% | 1,571 |
| Retained earnings to average equity (ytd only) | 7.1946% | 1,575 |
| Net charge-offs to loans | -0.0504% | 4,684 |
| Credit loss provision to net charge-offs | -327.3810% | 3,550 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3798% | 2,459 |
| Assets per employee ($millions) | 8.5921% | 784 |
| Cash dividends to net income (ytd only)* | 35.7711% | 2,103 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6544% | 4,661 |
| Loan loss allowance to noncurrent loans | 142.3016% | 2,682 |
| Noncurrent assets plus other real estate owned to assets | 0.5144% | 2,294 |
| Noncurrent loans to loans | 0.4599% | 2,763 |
| Net loans and leases to total assets | 84.0414% | 251 |
| Net loans and leases to deposits | 104.0067% | 376 |
| Net loans and leases to core deposits | 104.6664% | 961 |
| Total domestic deposits to total assets | 80.8039% | 3,656 |
| Equity capital to assets | 10.6850% | 2,588 |
| Core capital (leverage) ratio | 8.9579% | 3,946 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 15.0336% | 1,803 |
| Memoranda: | ||
| Average total assets | $1,184,319,667 | 739 |
| Average earning assets | $1,080,924,333 | 740 |
| Average equity | $134,767,333 | 732 |
| Average total loans | $1,000,485,667 | 624 |
| 2020-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.2003% | 131 |
| Cost of funding earning assets | 0.3516% | 4,512 |
| Net interest margin | 5.8486% | 61 |
| Noninterest income to average assets | 0.8717% | 1,127 |
| Noninterest expense to average assets | 4.1340% | 436 |
| Loan and lease loss provision to assets | 0.1767% | 1,678 |
| Net operating income to assets | 1.3501% | 1,107 |
| Return on assets (ROA) | 1.3501% | 1,191 |
| Pretax return on assets | 1.8854% | 585 |
| Return on Equity (ROE) | 11.4662% | 1,270 |
| Retained earnings to average equity (ytd only) | 4.8644% | 2,339 |
| Net charge-offs to loans | 0.0000% | 2,581 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.3606% | 2,901 |
| Assets per employee ($millions) | 7.3560% | 949 |
| Cash dividends to net income (ytd only)* | 57.5766% | 1,448 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6792% | 4,646 |
| Loan loss allowance to noncurrent loans | 81.1456% | 3,546 |
| Noncurrent assets plus other real estate owned to assets | 0.7135% | 1,881 |
| Noncurrent loans to loans | 0.8371% | 1,937 |
| Net loans and leases to total assets | 84.6638% | 226 |
| Net loans and leases to deposits | 99.0215% | 626 |
| Net loans and leases to core deposits | 99.9182% | 1,480 |
| Total domestic deposits to total assets | 85.5004% | 2,211 |
| Equity capital to assets | 11.8482% | 2,182 |
| Core capital (leverage) ratio | 8.8288% | 4,582 |
| Tier 1 risk-based capital ratio | NA | NA |
| Total risk-based capital ratio | 14.8748% | 1,947 |
| Memoranda: | ||
| Average total assets | $1,132,070,500 | 738 |
| Average earning assets | $1,030,603,000 | 741 |
| Average equity | $133,296,000 | 733 |
| Average total loans | $955,590,500 | 623 |
| 2019-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6561% | 88 |
| Cost of funding earning assets | 0.5056% | 4,068 |
| Net interest margin | 6.1505% | 56 |
| Noninterest income to average assets | 0.6909% | 1,846 |
| Noninterest expense to average assets | 4.2698% | 386 |
| Loan and lease loss provision to assets | 0.1333% | 1,597 |
| Net operating income to assets | 1.3484% | 1,513 |
| Return on assets (ROA) | 1.3484% | 1,591 |
| Pretax return on assets | 1.8609% | 815 |
| Return on Equity (ROE) | 11.7010% | 1,621 |
| Retained earnings to average equity (ytd only) | 9.2458% | 657 |
| Net charge-offs to loans | 0.0312% | 2,769 |
| Credit loss provision to net charge-offs | 512.6316% | 571 |
| Earnings coverage of net charge-offs (x) | 76.6702% | 819 |
| Efficiency ratio | 67.7162% | 2,502 |
| Assets per employee ($millions) | 7.3462% | 916 |
| Cash dividends to net income (ytd only)* | 20.9828% | 3,452 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6407% | 4,669 |
| Loan loss allowance to noncurrent loans | 71.4218% | 3,734 |
| Noncurrent assets plus other real estate owned to assets | 0.7497% | 1,729 |
| Noncurrent loans to loans | 0.8971% | 1,714 |
| Net loans and leases to total assets | 83.0423% | 424 |
| Net loans and leases to deposits | 97.9936% | 762 |
| Net loans and leases to core deposits | 98.9615% | 1,654 |
| Total domestic deposits to total assets | 84.7426% | 2,596 |
| Equity capital to assets | 11.7007% | 2,351 |
| Core capital (leverage) ratio | 8.8587% | 4,634 |
| Tier 1 risk-based capital ratio | 14.0054% | 3,274 |
| Total risk-based capital ratio | 14.9078% | 3,341 |
| Memoranda: | ||
| Average total assets | $1,095,705,600 | 726 |
| Average earning assets | $992,851,200 | 731 |
| Average equity | $126,263,200 | 725 |
| Average total loans | $913,754,800 | 633 |
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.7483% | 87 |
| Cost of funding earning assets | 0.5311% | 4,016 |
| Net interest margin | 6.2172% | 55 |
| Noninterest income to average assets | 0.6843% | 1,851 |
| Noninterest expense to average assets | 4.2792% | 371 |
| Loan and lease loss provision to assets | 0.1587% | 1,186 |
| Net operating income to assets | 1.3375% | 1,686 |
| Return on assets (ROA) | 1.3375% | 1,762 |
| Pretax return on assets | 1.8747% | 923 |
| Return on Equity (ROE) | 11.6531% | 1,734 |
| Retained earnings to average equity (ytd only) | 9.5153% | 890 |
| Net charge-offs to loans | 0.0420% | 2,255 |
| Credit loss provision to net charge-offs | 454.0351% | 687 |
| Earnings coverage of net charge-offs (x) | 58.1580% | 1,075 |
| Efficiency ratio | 67.3119% | 2,524 |
| Assets per employee ($millions) | 7.0293% | 1,013 |
| Cash dividends to net income (ytd only)* | 18.3453% | 3,106 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6396% | 4,751 |
| Loan loss allowance to noncurrent loans | 111.3400% | 3,130 |
| Noncurrent assets plus other real estate owned to assets | 0.4888% | 2,571 |
| Noncurrent loans to loans | 0.5745% | 2,578 |
| Net loans and leases to total assets | 84.5396% | 292 |
| Net loans and leases to deposits | 107.3710% | 280 |
| Net loans and leases to core deposits | 108.5608% | 1,015 |
| Total domestic deposits to total assets | 78.7360% | 4,227 |
| Equity capital to assets | 11.9535% | 2,298 |
| Core capital (leverage) ratio | 8.7158% | 4,824 |
| Tier 1 risk-based capital ratio | 13.9504% | 3,354 |
| Total risk-based capital ratio | 14.8533% | 3,433 |
| Memoranda: | ||
| Average total assets | $1,086,801,500 | 731 |
| Average earning assets | $983,873,750 | 739 |
| Average equity | $124,735,750 | 729 |
| Average total loans | $905,810,000 | 640 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.6492% | 100 |
| Cost of funding earning assets | 0.5464% | 3,895 |
| Net interest margin | 6.1028% | 63 |
| Noninterest income to average assets | 0.7289% | 1,605 |
| Noninterest expense to average assets | 4.2175% | 401 |
| Loan and lease loss provision to assets | 0.1717% | 1,060 |
| Net operating income to assets | 1.3185% | 1,704 |
| Return on assets (ROA) | 1.3185% | 1,765 |
| Pretax return on assets | 1.8702% | 891 |
| Return on Equity (ROE) | 11.6479% | 1,718 |
| Retained earnings to average equity (ytd only) | 10.0242% | 748 |
| Net charge-offs to loans | 0.0633% | 1,747 |
| Credit loss provision to net charge-offs | 327.7193% | 844 |
| Earnings coverage of net charge-offs (x) | 38.9825% | 1,264 |
| Efficiency ratio | 66.9006% | 2,698 |
| Assets per employee ($millions) | 7.6745% | 751 |
| Cash dividends to net income (ytd only)* | 13.9392% | 3,200 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.6047% | 4,868 |
| Loan loss allowance to noncurrent loans | 108.2387% | 3,200 |
| Noncurrent assets plus other real estate owned to assets | 0.4475% | 2,731 |
| Noncurrent loans to loans | 0.5587% | 2,597 |
| Net loans and leases to total assets | 78.9719% | 1,044 |
| Net loans and leases to deposits | 89.9610% | 1,746 |
| Net loans and leases to core deposits | 90.9986% | 2,508 |
| Total domestic deposits to total assets | 87.7845% | 1,203 |
| Equity capital to assets | 10.9794% | 3,087 |
| Core capital (leverage) ratio | 8.4117% | 5,004 |
| Tier 1 risk-based capital ratio | 13.2115% | 3,730 |
| Total risk-based capital ratio | 14.0429% | 3,853 |
| Memoranda: | ||
| Average total assets | $1,088,229,670 | 729 |
| Average earning assets | $986,167,330 | 736 |
| Average equity | $123,181,330 | 731 |
| Average total loans | $900,731,000 | 642 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5902% | 107 |
| Cost of funding earning assets | 0.6273% | 3,424 |
| Net interest margin | 5.9629% | 69 |
| Noninterest income to average assets | 0.7294% | 1,508 |
| Noninterest expense to average assets | 4.1236% | 447 |
| Loan and lease loss provision to assets | 0.0886% | 1,939 |
| Net operating income to assets | 1.3452% | 1,537 |
| Return on assets (ROA) | 1.3452% | 1,581 |
| Pretax return on assets | 1.9070% | 785 |
| Return on Equity (ROE) | 11.6931% | 1,655 |
| Retained earnings to average equity (ytd only) | 11.6931% | 673 |
| Net charge-offs to loans | 0.0152% | 2,179 |
| Credit loss provision to net charge-offs | 688.2353% | 490 |
| Earnings coverage of net charge-offs (x) | 155.0588% | 494 |
| Efficiency ratio | 66.8811% | 2,814 |
| Assets per employee ($millions) | 7.4004% | 849 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,768 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5588% | 5,008 |
| Loan loss allowance to noncurrent loans | 89.3617% | 3,543 |
| Noncurrent assets plus other real estate owned to assets | 0.5441% | 2,465 |
| Noncurrent loans to loans | 0.6253% | 2,449 |
| Net loans and leases to total assets | 84.2762% | 346 |
| Net loans and leases to deposits | 109.4805% | 228 |
| Net loans and leases to core deposits | 111.1074% | 875 |
| Total domestic deposits to total assets | 76.9783% | 4,655 |
| Equity capital to assets | 11.5085% | 2,389 |
| Core capital (leverage) ratio | 8.7156% | 4,854 |
| Tier 1 risk-based capital ratio | 12.8852% | 3,937 |
| Total risk-based capital ratio | 13.6556% | 4,092 |
| Memoranda: | ||
| Average total assets | $1,056,758,000 | 750 |
| Average earning assets | $955,176,000 | 756 |
| Average equity | $121,576,000 | 737 |
| Average total loans | $893,779,500 | 647 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.3267% | 110 |
| Cost of funding earning assets | 0.5020% | 3,340 |
| Net interest margin | 5.8247% | 78 |
| Noninterest income to average assets | 0.8232% | 1,391 |
| Noninterest expense to average assets | 4.1754% | 411 |
| Loan and lease loss provision to assets | 0.0552% | 3,065 |
| Net operating income to assets | 1.3800% | 1,501 |
| Return on assets (ROA) | 1.3648% | 1,541 |
| Pretax return on assets | 1.8549% | 804 |
| Return on Equity (ROE) | 10.9519% | 2,104 |
| Retained earnings to average equity (ytd only) | -2.4601% | 5,151 |
| Net charge-offs to loans | 0.0214% | 2,996 |
| Credit loss provision to net charge-offs | 314.2857% | 993 |
| Earnings coverage of net charge-offs (x) | 109.8229% | 694 |
| Efficiency ratio | 67.7306% | 2,593 |
| Assets per employee ($millions) | 6.8004% | 1,069 |
| Cash dividends to net income (ytd only)* | 122.4625% | 146 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5559% | 5,050 |
| Loan loss allowance to noncurrent loans | 91.3035% | 3,557 |
| Noncurrent assets plus other real estate owned to assets | 0.5731% | 2,326 |
| Noncurrent loans to loans | 0.6089% | 2,453 |
| Net loans and leases to total assets | 83.9306% | 420 |
| Net loans and leases to deposits | 107.8702% | 313 |
| Net loans and leases to core deposits | 109.4640% | 1,035 |
| Total domestic deposits to total assets | 77.8070% | 4,524 |
| Equity capital to assets | 11.5006% | 2,251 |
| Core capital (leverage) ratio | 8.5877% | 4,960 |
| Tier 1 risk-based capital ratio | 12.9487% | 3,877 |
| Total risk-based capital ratio | 13.7283% | 4,019 |
| Memoranda: | ||
| Average total assets | $996,161,400 | 768 |
| Average earning assets | $903,267,400 | 781 |
| Average equity | $124,143,000 | 696 |
| Average total loans | $817,001,200 | 688 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1400% | 127 |
| Cost of funding earning assets | 0.4648% | 3,425 |
| Net interest margin | 5.6752% | 94 |
| Noninterest income to average assets | 0.9430% | 1,077 |
| Noninterest expense to average assets | 4.1234% | 444 |
| Loan and lease loss provision to assets | 0.0271% | 3,471 |
| Net operating income to assets | 1.4187% | 1,422 |
| Return on assets (ROA) | 1.3983% | 1,499 |
| Pretax return on assets | 1.9175% | 791 |
| Return on Equity (ROE) | 10.9962% | 2,176 |
| Retained earnings to average equity (ytd only) | 7.1112% | 2,073 |
| Net charge-offs to loans | 0.0244% | 2,639 |
| Credit loss provision to net charge-offs | 136.0544% | 1,838 |
| Earnings coverage of net charge-offs (x) | 99.0315% | 760 |
| Efficiency ratio | 66.9480% | 2,718 |
| Assets per employee ($millions) | 6.6838% | 1,098 |
| Cash dividends to net income (ytd only)* | 35.3306% | 2,297 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5552% | 5,117 |
| Loan loss allowance to noncurrent loans | 128.8864% | 3,023 |
| Noncurrent assets plus other real estate owned to assets | 0.4111% | 3,050 |
| Noncurrent loans to loans | 0.4308% | 3,112 |
| Net loans and leases to total assets | 79.8629% | 1,041 |
| Net loans and leases to deposits | 106.4270% | 423 |
| Net loans and leases to core deposits | 111.6654% | 929 |
| Total domestic deposits to total assets | 75.0401% | 4,878 |
| Equity capital to assets | 12.6261% | 1,507 |
| Core capital (leverage) ratio | 10.1444% | 3,476 |
| Tier 1 risk-based capital ratio | 15.6234% | 2,593 |
| Total risk-based capital ratio | 16.4137% | 2,729 |
| Memoranda: | ||
| Average total assets | $985,088,000 | 777 |
| Average earning assets | $894,069,000 | 783 |
| Average equity | $125,264,000 | 684 |
| Average total loans | $801,716,000 | 694 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1042% | 124 |
| Cost of funding earning assets | 0.4426% | 3,403 |
| Net interest margin | 5.6616% | 93 |
| Noninterest income to average assets | 0.9400% | 1,078 |
| Noninterest expense to average assets | 4.0577% | 491 |
| Loan and lease loss provision to assets | 0.0411% | 3,085 |
| Net operating income to assets | 1.4084% | 1,403 |
| Return on assets (ROA) | 1.3774% | 1,517 |
| Pretax return on assets | 1.9501% | 687 |
| Return on Equity (ROE) | 10.8050% | 2,191 |
| Retained earnings to average equity (ytd only) | 7.1754% | 1,990 |
| Net charge-offs to loans | 0.0370% | 2,112 |
| Credit loss provision to net charge-offs | 136.0544% | 1,680 |
| Earnings coverage of net charge-offs (x) | 67.1701% | 931 |
| Efficiency ratio | 65.9224% | 3,000 |
| Assets per employee ($millions) | 6.7487% | 1,045 |
| Cash dividends to net income (ytd only)* | 33.5921% | 2,416 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5663% | 5,169 |
| Loan loss allowance to noncurrent loans | 145.4082% | 2,824 |
| Noncurrent assets plus other real estate owned to assets | 0.3807% | 3,216 |
| Noncurrent loans to loans | 0.3894% | 3,302 |
| Net loans and leases to total assets | 80.1675% | 990 |
| Net loans and leases to deposits | 102.9362% | 599 |
| Net loans and leases to core deposits | 107.1507% | 1,172 |
| Total domestic deposits to total assets | 77.8808% | 4,606 |
| Equity capital to assets | 12.6764% | 1,453 |
| Core capital (leverage) ratio | 9.3758% | 4,273 |
| Tier 1 risk-based capital ratio | 15.5845% | 2,595 |
| Total risk-based capital ratio | 16.4017% | 2,723 |
| Memoranda: | ||
| Average total assets | $972,577,000 | 786 |
| Average earning assets | $884,372,330 | 795 |
| Average equity | $123,979,670 | 693 |
| Average total loans | $795,203,000 | 698 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9447% | 150 |
| Cost of funding earning assets | 0.4145% | 3,488 |
| Net interest margin | 5.5302% | 102 |
| Noninterest income to average assets | 0.8813% | 1,199 |
| Noninterest expense to average assets | 3.9864% | 541 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 1.3449% | 1,494 |
| Return on assets (ROA) | 1.3449% | 1,509 |
| Pretax return on assets | 1.9177% | 690 |
| Return on Equity (ROE) | 10.5198% | 2,162 |
| Retained earnings to average equity (ytd only) | 6.4436% | 2,530 |
| Net charge-offs to loans | 0.0000% | 2,722 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.7561% | 3,040 |
| Assets per employee ($millions) | 6.8537% | 1,026 |
| Cash dividends to net income (ytd only)* | 38.7477% | 1,874 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5602% | 5,250 |
| Loan loss allowance to noncurrent loans | 89.3891% | 3,662 |
| Noncurrent assets plus other real estate owned to assets | 0.5194% | 2,796 |
| Noncurrent loans to loans | 0.6267% | 2,664 |
| Net loans and leases to total assets | 81.6223% | 707 |
| Net loans and leases to deposits | 107.1671% | 335 |
| Net loans and leases to core deposits | 107.3715% | 1,160 |
| Total domestic deposits to total assets | 76.1636% | 4,947 |
| Equity capital to assets | 12.6253% | 1,418 |
| Core capital (leverage) ratio | 9.2087% | 4,424 |
| Tier 1 risk-based capital ratio | 14.6598% | 3,049 |
| Total risk-based capital ratio | 15.4659% | 3,193 |
| Memoranda: | ||
| Average total assets | $959,464,500 | 802 |
| Average earning assets | $871,430,000 | 814 |
| Average equity | $122,663,500 | 703 |
| Average total loans | $790,167,000 | 700 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8932% | 154 |
| Cost of funding earning assets | 0.2648% | 4,435 |
| Net interest margin | 5.6283% | 90 |
| Noninterest income to average assets | 1.4858% | 479 |
| Noninterest expense to average assets | 4.9619% | 221 |
| Loan and lease loss provision to assets | 0.0000% | 4,227 |
| Net operating income to assets | 0.4223% | 4,619 |
| Return on assets (ROA) | 0.4223% | 4,644 |
| Pretax return on assets | 1.7140% | 971 |
| Return on Equity (ROE) | 4.2465% | 4,419 |
| Retained earnings to average equity (ytd only) | -1.9735% | 5,280 |
| Net charge-offs to loans | 0.0000% | 4,128 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 74.0786% | 1,881 |
| Assets per employee ($millions) | 7.0590% | 946 |
| Cash dividends to net income (ytd only)* | 146.4738% | 144 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.5809% | 5,276 |
| Loan loss allowance to noncurrent loans | 108.7334% | 3,376 |
| Noncurrent assets plus other real estate owned to assets | 0.5068% | 2,870 |
| Noncurrent loans to loans | 0.5342% | 2,898 |
| Net loans and leases to total assets | 82.1598% | 661 |
| Net loans and leases to deposits | 106.7146% | 371 |
| Net loans and leases to core deposits | 106.9245% | 1,219 |
| Total domestic deposits to total assets | 76.9902% | 4,852 |
| Equity capital to assets | 12.9508% | 1,291 |
| Core capital (leverage) ratio | 9.4195% | 4,135 |
| Tier 1 risk-based capital ratio | 15.1226% | 2,785 |
| Total risk-based capital ratio | 15.9453% | 2,926 |
| Memoranda: | ||
| Average total assets | $654,726,000 | 1,111 |
| Average earning assets | $603,748,600 | 1,107 |
| Average equity | $65,112,000 | 1,223 |
| Average total loans | $529,394,600 | 969 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5359% | 243 |
| Cost of funding earning assets | 0.1933% | 5,029 |
| Net interest margin | 5.3427% | 135 |
| Noninterest income to average assets | 1.7319% | 387 |
| Noninterest expense to average assets | 4.8031% | 248 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 1.0727% | 2,217 |
| Return on assets (ROA) | 1.0727% | 2,264 |
| Pretax return on assets | 1.8925% | 699 |
| Return on Equity (ROE) | 12.2785% | 1,248 |
| Retained earnings to average equity (ytd only) | 1.6891% | 4,752 |
| Net charge-offs to loans | 0.0000% | 3,796 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7351% | 2,237 |
| Assets per employee ($millions) | 5.6411% | 1,792 |
| Cash dividends to net income (ytd only)* | 86.2436% | 505 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.8967% | 4,586 |
| Loan loss allowance to noncurrent loans | 185.4733% | 2,367 |
| Noncurrent assets plus other real estate owned to assets | 0.5043% | 3,053 |
| Noncurrent loans to loans | 0.4835% | 3,236 |
| Net loans and leases to total assets | 82.5270% | 600 |
| Net loans and leases to deposits | 91.8684% | 1,586 |
| Net loans and leases to core deposits | 91.8684% | 2,452 |
| Total domestic deposits to total assets | 89.8317% | 533 |
| Equity capital to assets | 8.5571% | 5,251 |
| Core capital (leverage) ratio | 8.1165% | 5,467 |
| Tier 1 risk-based capital ratio | 17.8204% | 1,904 |
| Total risk-based capital ratio | 19.0828% | 1,850 |
| Memoranda: | ||
| Average total assets | $583,696,500 | 1,235 |
| Average earning assets | $542,286,750 | 1,227 |
| Average equity | $50,993,000 | 1,515 |
| Average total loans | $467,778,500 | 1,096 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3070% | 327 |
| Cost of funding earning assets | 0.1946% | 5,032 |
| Net interest margin | 5.1123% | 187 |
| Noninterest income to average assets | 1.9273% | 330 |
| Noninterest expense to average assets | 4.8071% | 250 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 1.1028% | 1,957 |
| Return on assets (ROA) | 1.1028% | 2,007 |
| Pretax return on assets | 1.8722% | 705 |
| Return on Equity (ROE) | 12.5340% | 1,156 |
| Retained earnings to average equity (ytd only) | 1.7017% | 4,576 |
| Net charge-offs to loans | 0.0000% | 3,512 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9697% | 2,341 |
| Assets per employee ($millions) | 5.7832% | 1,624 |
| Cash dividends to net income (ytd only)* | 86.4236% | 705 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 0.9555% | 4,386 |
| Loan loss allowance to noncurrent loans | 78.3009% | 3,998 |
| Noncurrent assets plus other real estate owned to assets | 1.0717% | 1,628 |
| Noncurrent loans to loans | 1.2203% | 1,597 |
| Net loans and leases to total assets | 79.1994% | 1,066 |
| Net loans and leases to deposits | 88.0598% | 1,973 |
| Net loans and leases to core deposits | 88.1023% | 2,691 |
| Total domestic deposits to total assets | 89.9382% | 556 |
| Equity capital to assets | 8.6837% | 5,158 |
| Core capital (leverage) ratio | 8.5856% | 5,154 |
| Tier 1 risk-based capital ratio | 18.7896% | 1,640 |
| Total risk-based capital ratio | 20.0483% | 1,597 |
| Memoranda: | ||
| Average total assets | $577,064,000 | 1,252 |
| Average earning assets | $536,388,000 | 1,240 |
| Average equity | $50,774,000 | 1,522 |
| Average total loans | $456,159,670 | 1,115 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0667% | 468 |
| Cost of funding earning assets | 0.1922% | 5,042 |
| Net interest margin | 4.8745% | 274 |
| Noninterest income to average assets | 2.0173% | 312 |
| Noninterest expense to average assets | 4.6501% | 295 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 1.1706% | 1,585 |
| Return on assets (ROA) | 1.1706% | 1,631 |
| Pretax return on assets | 1.9003% | 635 |
| Return on Equity (ROE) | 13.2149% | 955 |
| Retained earnings to average equity (ytd only) | 1.7409% | 4,417 |
| Net charge-offs to loans | 0.0000% | 2,943 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.9898% | 2,739 |
| Assets per employee ($millions) | 5.5522% | 1,836 |
| Cash dividends to net income (ytd only)* | 86.8263% | 859 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0005% | 4,284 |
| Loan loss allowance to noncurrent loans | 77.7337% | 4,040 |
| Noncurrent assets plus other real estate owned to assets | 1.0139% | 1,800 |
| Noncurrent loans to loans | 1.2871% | 1,568 |
| Net loans and leases to total assets | 77.9816% | 1,139 |
| Net loans and leases to deposits | 86.7521% | 1,945 |
| Net loans and leases to core deposits | 86.8377% | 2,652 |
| Total domestic deposits to total assets | 89.8902% | 707 |
| Equity capital to assets | 8.8820% | 4,923 |
| Core capital (leverage) ratio | 8.6310% | 5,121 |
| Tier 1 risk-based capital ratio | 19.3597% | 1,524 |
| Total risk-based capital ratio | 20.6158% | 1,498 |
| Memoranda: | ||
| Average total assets | $570,652,500 | 1,264 |
| Average earning assets | $530,676,000 | 1,250 |
| Average equity | $50,549,000 | 1,529 |
| Average total loans | $448,392,500 | 1,135 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8219% | 853 |
| Cost of funding earning assets | 0.2317% | 4,720 |
| Net interest margin | 4.5901% | 520 |
| Noninterest income to average assets | 2.4136% | 262 |
| Noninterest expense to average assets | 4.7726% | 296 |
| Loan and lease loss provision to assets | -0.1833% | 5,771 |
| Net operating income to assets | 1.3267% | 1,153 |
| Return on assets (ROA) | 1.3267% | 1,207 |
| Pretax return on assets | 2.1048% | 398 |
| Return on Equity (ROE) | 15.2889% | 589 |
| Retained earnings to average equity (ytd only) | 11.4868% | 260 |
| Net charge-offs to loans | 0.0000% | 4,281 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.2960% | 2,697 |
| Assets per employee ($millions) | 5.4232% | 1,932 |
| Cash dividends to net income (ytd only)* | 24.8687% | 3,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.0098% | 4,255 |
| Loan loss allowance to noncurrent loans | 75.6716% | 4,093 |
| Noncurrent assets plus other real estate owned to assets | 1.0460% | 1,809 |
| Noncurrent loans to loans | 1.3345% | 1,541 |
| Net loans and leases to total assets | 77.5887% | 1,271 |
| Net loans and leases to deposits | 86.5242% | 2,101 |
| Net loans and leases to core deposits | 86.6528% | 2,797 |
| Total domestic deposits to total assets | 89.6729% | 781 |
| Equity capital to assets | 8.8341% | 4,980 |
| Core capital (leverage) ratio | 8.6328% | 5,137 |
| Tier 1 risk-based capital ratio | 18.8147% | 1,650 |
| Total risk-based capital ratio | 20.0719% | 1,611 |
| Memoranda: | ||
| Average total assets | $545,574,000 | 1,272 |
| Average earning assets | $508,763,600 | 1,257 |
| Average equity | $47,341,400 | 1,595 |
| Average total loans | $411,913,800 | 1,177 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8326% | 838 |
| Cost of funding earning assets | 0.2406% | 4,692 |
| Net interest margin | 4.5920% | 516 |
| Noninterest income to average assets | 2.6848% | 237 |
| Noninterest expense to average assets | 4.9118% | 282 |
| Loan and lease loss provision to assets | 0.0000% | 4,186 |
| Net operating income to assets | 1.2945% | 1,309 |
| Return on assets (ROA) | 1.2945% | 1,412 |
| Pretax return on assets | 2.0590% | 502 |
| Return on Equity (ROE) | 14.9894% | 669 |
| Retained earnings to average equity (ytd only) | 11.6991% | 337 |
| Net charge-offs to loans | 0.0000% | 3,952 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 70.4629% | 2,827 |
| Assets per employee ($millions) | 5.6194% | 1,745 |
| Cash dividends to net income (ytd only)* | 21.9508% | 3,147 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3223% | 2,566 |
| Loan loss allowance to noncurrent loans | 323.1808% | 1,525 |
| Noncurrent assets plus other real estate owned to assets | 0.2944% | 4,243 |
| Noncurrent loans to loans | 0.4092% | 3,812 |
| Net loans and leases to total assets | 71.0037% | 2,347 |
| Net loans and leases to deposits | 78.5890% | 3,122 |
| Net loans and leases to core deposits | 78.6652% | 3,593 |
| Total domestic deposits to total assets | 90.3482% | 365 |
| Equity capital to assets | 8.4270% | 5,568 |
| Core capital (leverage) ratio | 8.4549% | 5,396 |
| Tier 1 risk-based capital ratio | 19.6190% | 1,520 |
| Total risk-based capital ratio | 20.8814% | 1,483 |
| Memoranda: | ||
| Average total assets | $539,609,500 | 1,287 |
| Average earning assets | $503,650,250 | 1,272 |
| Average equity | $46,600,750 | 1,629 |
| Average total loans | $403,311,750 | 1,195 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8903% | 739 |
| Cost of funding earning assets | 0.2456% | 4,699 |
| Net interest margin | 4.6446% | 466 |
| Noninterest income to average assets | 2.5802% | 245 |
| Noninterest expense to average assets | 4.6856% | 329 |
| Loan and lease loss provision to assets | 0.0000% | 4,017 |
| Net operating income to assets | 1.3906% | 1,075 |
| Return on assets (ROA) | 1.3906% | 1,139 |
| Pretax return on assets | 2.2327% | 352 |
| Return on Equity (ROE) | 15.9604% | 550 |
| Retained earnings to average equity (ytd only) | 13.7806% | 199 |
| Net charge-offs to loans | 0.0000% | 3,689 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.7281% | 3,396 |
| Assets per employee ($millions) | 5.2794% | 2,003 |
| Cash dividends to net income (ytd only)* | 13.6575% | 3,388 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3461% | 2,545 |
| Loan loss allowance to noncurrent loans | 331.7470% | 1,497 |
| Noncurrent assets plus other real estate owned to assets | 0.3083% | 4,266 |
| Noncurrent loans to loans | 0.4058% | 3,909 |
| Net loans and leases to total assets | 74.9477% | 1,659 |
| Net loans and leases to deposits | 83.2221% | 2,560 |
| Net loans and leases to core deposits | 83.3090% | 3,140 |
| Total domestic deposits to total assets | 90.0575% | 469 |
| Equity capital to assets | 8.8413% | 5,370 |
| Core capital (leverage) ratio | 8.9755% | 4,860 |
| Tier 1 risk-based capital ratio | 19.9580% | 1,467 |
| Total risk-based capital ratio | 21.2213% | 1,424 |
| Memoranda: | ||
| Average total assets | $526,547,670 | 1,318 |
| Average earning assets | $491,794,330 | 1,299 |
| Average equity | $45,876,000 | 1,656 |
| Average total loans | $398,924,670 | 1,212 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8749% | 726 |
| Cost of funding earning assets | 0.2483% | 4,727 |
| Net interest margin | 4.6266% | 475 |
| Noninterest income to average assets | 2.6033% | 239 |
| Noninterest expense to average assets | 4.6257% | 351 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 1.3708% | 1,095 |
| Return on assets (ROA) | 1.3708% | 1,158 |
| Pretax return on assets | 2.3159% | 311 |
| Return on Equity (ROE) | 15.8546% | 552 |
| Retained earnings to average equity (ytd only) | 15.8546% | 198 |
| Net charge-offs to loans | 0.0000% | 3,094 |
| Credit loss provision to net charge-offs | NA | NA |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 66.6371% | 3,697 |
| Assets per employee ($millions) | 5.1604% | 2,178 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4075% | 2,390 |
| Loan loss allowance to noncurrent loans | 354.8325% | 1,391 |
| Noncurrent assets plus other real estate owned to assets | 0.2949% | 4,391 |
| Noncurrent loans to loans | 0.3967% | 4,015 |
| Net loans and leases to total assets | 73.2897% | 1,834 |
| Net loans and leases to deposits | 81.0908% | 2,662 |
| Net loans and leases to core deposits | 81.1772% | 3,218 |
| Total domestic deposits to total assets | 90.3798% | 471 |
| Equity capital to assets | 8.7400% | 5,389 |
| Core capital (leverage) ratio | 8.9018% | 4,965 |
| Tier 1 risk-based capital ratio | 20.7650% | 1,351 |
| Total risk-based capital ratio | 22.0308% | 1,321 |
| Memoranda: | ||
| Average total assets | $520,574,500 | 1,333 |
| Average earning assets | $488,137,500 | 1,307 |
| Average equity | $45,009,000 | 1,676 |
| Average total loans | $393,839,000 | 1,218 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0861% | 530 |
| Cost of funding earning assets | 0.3591% | 3,596 |
| Net interest margin | 4.7270% | 434 |
| Noninterest income to average assets | 2.7569% | 239 |
| Noninterest expense to average assets | 4.9057% | 301 |
| Loan and lease loss provision to assets | 0.1066% | 2,208 |
| Net operating income to assets | 1.2811% | 1,317 |
| Return on assets (ROA) | 1.2811% | 1,356 |
| Pretax return on assets | 2.1689% | 371 |
| Return on Equity (ROE) | 15.3472% | 636 |
| Retained earnings to average equity (ytd only) | 15.3472% | 128 |
| Net charge-offs to loans | 0.0135% | 4,025 |
| Credit loss provision to net charge-offs | 980.3922% | 349 |
| Earnings coverage of net charge-offs (x) | 209.2157% | 327 |
| Efficiency ratio | 68.3129% | 3,505 |
| Assets per employee ($millions) | 5.1479% | 2,179 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3892% | 2,480 |
| Loan loss allowance to noncurrent loans | 318.3237% | 1,562 |
| Noncurrent assets plus other real estate owned to assets | 0.3361% | 4,241 |
| Noncurrent loans to loans | 0.4364% | 3,901 |
| Net loans and leases to total assets | 75.9333% | 1,432 |
| Net loans and leases to deposits | 84.2323% | 2,331 |
| Net loans and leases to core deposits | 84.9562% | 2,883 |
| Total domestic deposits to total assets | 90.1474% | 572 |
| Equity capital to assets | 8.5499% | 5,518 |
| Core capital (leverage) ratio | 8.2259% | 5,672 |
| Tier 1 risk-based capital ratio | 19.2705% | 1,639 |
| Total risk-based capital ratio | 20.5354% | 1,594 |
| Memoranda: | ||
| Average total assets | $468,903,600 | 1,435 |
| Average earning assets | $438,878,800 | 1,417 |
| Average equity | $39,140,800 | 1,841 |
| Average total loans | $376,579,000 | 1,220 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0636% | 552 |
| Cost of funding earning assets | 0.3740% | 3,501 |
| Net interest margin | 4.6896% | 463 |
| Noninterest income to average assets | 2.7119% | 242 |
| Noninterest expense to average assets | 4.8184% | 332 |
| Loan and lease loss provision to assets | 0.1457% | 1,502 |
| Net operating income to assets | 1.2589% | 1,456 |
| Return on assets (ROA) | 1.2589% | 1,518 |
| Pretax return on assets | 2.1374% | 469 |
| Return on Equity (ROE) | 15.1850% | 706 |
| Retained earnings to average equity (ytd only) | 15.1850% | 158 |
| Net charge-offs to loans | 0.0187% | 3,569 |
| Credit loss provision to net charge-offs | 961.5385% | 382 |
| Earnings coverage of net charge-offs (x) | 150.6381% | 468 |
| Efficiency ratio | 67.8501% | 3,575 |
| Assets per employee ($millions) | 5.1410% | 2,124 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4355% | 2,428 |
| Loan loss allowance to noncurrent loans | 379.9862% | 1,309 |
| Noncurrent assets plus other real estate owned to assets | 0.4597% | 3,954 |
| Noncurrent loans to loans | 0.3778% | 4,257 |
| Net loans and leases to total assets | 72.8073% | 1,936 |
| Net loans and leases to deposits | 80.1339% | 2,867 |
| Net loans and leases to core deposits | 82.6663% | 3,179 |
| Total domestic deposits to total assets | 90.8571% | 290 |
| Equity capital to assets | 8.0596% | 5,940 |
| Core capital (leverage) ratio | 8.1778% | 5,791 |
| Tier 1 risk-based capital ratio | 18.7890% | 1,826 |
| Total risk-based capital ratio | 20.0577% | 1,792 |
| Memoranda: | ||
| Average total assets | $457,432,000 | 1,476 |
| Average earning assets | $428,168,500 | 1,458 |
| Average equity | $37,922,500 | 1,901 |
| Average total loans | $371,622,750 | 1,233 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2393% | 403 |
| Cost of funding earning assets | 0.3946% | 3,330 |
| Net interest margin | 4.8447% | 331 |
| Noninterest income to average assets | 2.7759% | 237 |
| Noninterest expense to average assets | 4.9191% | 305 |
| Loan and lease loss provision to assets | 0.2289% | 819 |
| Net operating income to assets | 1.2778% | 1,387 |
| Return on assets (ROA) | 1.2778% | 1,448 |
| Pretax return on assets | 2.1583% | 448 |
| Return on Equity (ROE) | 15.2457% | 706 |
| Retained earnings to average equity (ytd only) | 15.2457% | 180 |
| Net charge-offs to loans | 0.0914% | 2,111 |
| Credit loss provision to net charge-offs | 297.6190% | 935 |
| Earnings coverage of net charge-offs (x) | 31.0357% | 1,335 |
| Efficiency ratio | 67.3267% | 3,785 |
| Assets per employee ($millions) | 4.6336% | 2,773 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4297% | 2,616 |
| Loan loss allowance to noncurrent loans | 344.1890% | 1,432 |
| Noncurrent assets plus other real estate owned to assets | 0.5406% | 3,813 |
| Noncurrent loans to loans | 0.4154% | 4,232 |
| Net loans and leases to total assets | 80.2017% | 773 |
| Net loans and leases to deposits | 88.8019% | 1,743 |
| Net loans and leases to core deposits | 92.4414% | 2,112 |
| Total domestic deposits to total assets | 90.3152% | 530 |
| Equity capital to assets | 8.6635% | 5,550 |
| Core capital (leverage) ratio | 8.8635% | 5,141 |
| Tier 1 risk-based capital ratio | 18.9407% | 1,801 |
| Total risk-based capital ratio | 20.2070% | 1,772 |
| Memoranda: | ||
| Average total assets | $436,828,670 | 1,546 |
| Average earning assets | $408,489,000 | 1,525 |
| Average equity | $36,613,670 | 1,966 |
| Average total loans | $367,646,330 | 1,250 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2358% | 388 |
| Cost of funding earning assets | 0.4077% | 3,224 |
| Net interest margin | 4.8282% | 331 |
| Noninterest income to average assets | 2.8529% | 230 |
| Noninterest expense to average assets | 4.9740% | 297 |
| Loan and lease loss provision to assets | 0.2361% | 727 |
| Net operating income to assets | 1.2758% | 1,347 |
| Return on assets (ROA) | 1.2758% | 1,430 |
| Pretax return on assets | 2.1503% | 431 |
| Return on Equity (ROE) | 15.5069% | 632 |
| Retained earnings to average equity (ytd only) | 15.5069% | 243 |
| Net charge-offs to loans | -0.0231% | 5,109 |
| Credit loss provision to net charge-offs | -1,190.4762% | 5,014 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 67.5776% | 3,895 |
| Assets per employee ($millions) | 4.5977% | 2,905 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4448% | 2,709 |
| Loan loss allowance to noncurrent loans | 320.6378% | 1,493 |
| Noncurrent assets plus other real estate owned to assets | 0.5250% | 3,921 |
| Noncurrent loans to loans | 0.4506% | 4,232 |
| Net loans and leases to total assets | 83.2263% | 361 |
| Net loans and leases to deposits | 92.4281% | 1,140 |
| Net loans and leases to core deposits | 96.4599% | 1,581 |
| Total domestic deposits to total assets | 90.0444% | 733 |
| Equity capital to assets | 8.8356% | 5,462 |
| Core capital (leverage) ratio | 8.9836% | 4,969 |
| Tier 1 risk-based capital ratio | 17.1496% | 2,426 |
| Total risk-based capital ratio | 18.4146% | 2,375 |
| Memoranda: | ||
| Average total assets | $423,564,500 | 1,596 |
| Average earning assets | $395,428,500 | 1,579 |
| Average equity | $34,849,000 | 2,075 |
| Average total loans | $362,964,500 | 1,263 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3792% | 396 |
| Cost of funding earning assets | 0.5831% | 1,924 |
| Net interest margin | 4.7961% | 438 |
| Noninterest income to average assets | 2.6448% | 222 |
| Noninterest expense to average assets | 4.9014% | 329 |
| Loan and lease loss provision to assets | 0.1237% | 2,120 |
| Net operating income to assets | 1.2256% | 1,513 |
| Return on assets (ROA) | 1.2179% | 1,585 |
| Pretax return on assets | 2.0692% | 446 |
| Return on Equity (ROE) | 15.2493% | 739 |
| Retained earnings to average equity (ytd only) | 14.1139% | 172 |
| Net charge-offs to loans | 0.1024% | 3,042 |
| Credit loss provision to net charge-offs | 143.7700% | 1,656 |
| Earnings coverage of net charge-offs (x) | 25.6358% | 1,493 |
| Efficiency ratio | 68.9726% | 3,717 |
| Assets per employee ($millions) | 4.2304% | 3,476 |
| Cash dividends to net income (ytd only)* | 7.4458% | 4,188 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4165% | 2,868 |
| Loan loss allowance to noncurrent loans | 215.6930% | 2,108 |
| Noncurrent assets plus other real estate owned to assets | 0.5715% | 3,888 |
| Noncurrent loans to loans | 0.6567% | 3,717 |
| Net loans and leases to total assets | 85.7870% | 222 |
| Net loans and leases to deposits | 97.1640% | 819 |
| Net loans and leases to core deposits | 106.5502% | 983 |
| Total domestic deposits to total assets | 88.2910% | 1,621 |
| Equity capital to assets | 7.5804% | 6,215 |
| Core capital (leverage) ratio | 8.2697% | 5,804 |
| Tier 1 risk-based capital ratio | 14.8110% | 3,595 |
| Total risk-based capital ratio | 16.0755% | 3,520 |
| Memoranda: | ||
| Average total assets | $363,915,600 | 1,789 |
| Average earning assets | $338,523,200 | 1,768 |
| Average equity | $29,063,600 | 2,339 |
| Average total loans | $305,674,600 | 1,404 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3211% | 429 |
| Cost of funding earning assets | 0.6370% | 1,545 |
| Net interest margin | 4.6841% | 521 |
| Noninterest income to average assets | 3.2232% | 177 |
| Noninterest expense to average assets | 5.0697% | 294 |
| Loan and lease loss provision to assets | 0.1703% | 1,447 |
| Net operating income to assets | 1.3383% | 1,269 |
| Return on assets (ROA) | 1.3276% | 1,354 |
| Pretax return on assets | 2.3218% | 293 |
| Return on Equity (ROE) | 16.3808% | 630 |
| Retained earnings to average equity (ytd only) | 16.2407% | 157 |
| Net charge-offs to loans | 0.0077% | 4,446 |
| Credit loss provision to net charge-offs | 2,647.0588% | 148 |
| Earnings coverage of net charge-offs (x) | 389.8743% | 187 |
| Efficiency ratio | 66.8964% | 4,062 |
| Assets per employee ($millions) | 3.8631% | 4,163 |
| Cash dividends to net income (ytd only)* | 0.8552% | 3,797 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6780% | 2,041 |
| Loan loss allowance to noncurrent loans | 201.0514% | 2,147 |
| Noncurrent assets plus other real estate owned to assets | 0.7256% | 3,634 |
| Noncurrent loans to loans | 0.8346% | 3,487 |
| Net loans and leases to total assets | 85.4839% | 223 |
| Net loans and leases to deposits | 98.9516% | 672 |
| Net loans and leases to core deposits | 101.2023% | 1,274 |
| Total domestic deposits to total assets | 86.3897% | 2,648 |
| Equity capital to assets | 8.2402% | 5,985 |
| Core capital (leverage) ratio | 8.1220% | 5,991 |
| Tier 1 risk-based capital ratio | 15.1828% | 3,484 |
| Total risk-based capital ratio | 16.4526% | 3,415 |
| Memoranda: | ||
| Average total assets | $352,307,000 | 1,864 |
| Average earning assets | $327,565,500 | 1,841 |
| Average equity | $28,553,000 | 2,384 |
| Average total loans | $292,822,000 | 1,467 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3283% | 416 |
| Cost of funding earning assets | 0.6719% | 1,361 |
| Net interest margin | 4.6564% | 525 |
| Noninterest income to average assets | 3.5658% | 159 |
| Noninterest expense to average assets | 5.1835% | 280 |
| Loan and lease loss provision to assets | 0.2015% | 1,191 |
| Net operating income to assets | 1.4484% | 963 |
| Return on assets (ROA) | 1.4432% | 1,017 |
| Pretax return on assets | 2.5014% | 207 |
| Return on Equity (ROE) | 17.9133% | 467 |
| Retained earnings to average equity (ytd only) | 17.7704% | 125 |
| Net charge-offs to loans | 0.0458% | 3,324 |
| Credit loss provision to net charge-offs | 538.4615% | 558 |
| Earnings coverage of net charge-offs (x) | 72.4462% | 715 |
| Efficiency ratio | 65.6603% | 4,407 |
| Assets per employee ($millions) | 3.9601% | 3,926 |
| Cash dividends to net income (ytd only)* | 0.7978% | 3,631 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7439% | 1,993 |
| Loan loss allowance to noncurrent loans | 539.4819% | 862 |
| Noncurrent assets plus other real estate owned to assets | 0.2708% | 5,279 |
| Noncurrent loans to loans | 0.3233% | 5,040 |
| Net loans and leases to total assets | 82.2983% | 443 |
| Net loans and leases to deposits | 90.5907% | 1,313 |
| Net loans and leases to core deposits | 93.6371% | 1,804 |
| Total domestic deposits to total assets | 90.8463% | 457 |
| Equity capital to assets | 8.1695% | 6,049 |
| Core capital (leverage) ratio | 8.1545% | 5,975 |
| Tier 1 risk-based capital ratio | 15.0950% | 3,582 |
| Total risk-based capital ratio | 16.3640% | 3,520 |
| Memoranda: | ||
| Average total assets | $347,411,670 | 1,881 |
| Average earning assets | $322,956,330 | 1,863 |
| Average equity | $27,990,330 | 2,412 |
| Average total loans | $284,071,330 | 1,505 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2600% | 441 |
| Cost of funding earning assets | 0.7131% | 1,170 |
| Net interest margin | 4.5469% | 608 |
| Noninterest income to average assets | 5.9607% | 100 |
| Noninterest expense to average assets | 5.8254% | 204 |
| Loan and lease loss provision to assets | 0.2916% | 674 |
| Net operating income to assets | 2.3400% | 189 |
| Return on assets (ROA) | 2.3400% | 199 |
| Pretax return on assets | 4.0757% | 85 |
| Return on Equity (ROE) | 29.2558% | 73 |
| Retained earnings to average equity (ytd only) | 29.1100% | 39 |
| Net charge-offs to loans | 0.0968% | 2,201 |
| Credit loss provision to net charge-offs | 373.1343% | 686 |
| Earnings coverage of net charge-offs (x) | 55.8806% | 696 |
| Efficiency ratio | 57.1527% | 5,738 |
| Assets per employee ($millions) | 3.8837% | 4,168 |
| Cash dividends to net income (ytd only)* | 0.4985% | 2,844 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9258% | 1,683 |
| Loan loss allowance to noncurrent loans | 1,372.0430% | 395 |
| Noncurrent assets plus other real estate owned to assets | 0.1452% | 5,809 |
| Noncurrent loans to loans | 0.1404% | 5,680 |
| Net loans and leases to total assets | 75.1992% | 1,098 |
| Net loans and leases to deposits | 82.8309% | 1,965 |
| Net loans and leases to core deposits | 87.7254% | 2,126 |
| Total domestic deposits to total assets | 90.7863% | 649 |
| Equity capital to assets | 8.2448% | 5,869 |
| Core capital (leverage) ratio | 8.1471% | 5,994 |
| Tier 1 risk-based capital ratio | 16.1501% | 3,088 |
| Total risk-based capital ratio | 17.4204% | 3,037 |
| Memoranda: | ||
| Average total assets | $342,911,500 | 1,913 |
| Average earning assets | $319,161,500 | 1,894 |
| Average equity | $27,427,000 | 2,444 |
| Average total loans | $276,843,500 | 1,548 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8686% | 209 |
| Cost of funding earning assets | 0.5674% | 2,951 |
| Net interest margin | 5.3012% | 186 |
| Noninterest income to average assets | 2.1724% | 351 |
| Noninterest expense to average assets | 5.8237% | 218 |
| Loan and lease loss provision to assets | 0.5824% | 441 |
| Net operating income to assets | 0.3886% | 5,183 |
| Return on assets (ROA) | 0.3891% | 5,292 |
| Pretax return on assets | 0.6317% | 4,765 |
| Return on Equity (ROE) | 4.0084% | 5,104 |
| Retained earnings to average equity (ytd only) | 3.8484% | 3,465 |
| Net charge-offs to loans | 0.0111% | 5,232 |
| Credit loss provision to net charge-offs | 6,000.0000% | 30 |
| Earnings coverage of net charge-offs (x) | 125.0000% | 374 |
| Efficiency ratio | 82.7577% | 1,781 |
| Assets per employee ($millions) | 3.8656% | 4,124 |
| Cash dividends to net income (ytd only)* | 3.9920% | 4,201 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7048% | 2,388 |
| Loan loss allowance to noncurrent loans | 633.3333% | 772 |
| Noncurrent assets plus other real estate owned to assets | 0.2284% | 5,595 |
| Noncurrent loans to loans | 0.2692% | 5,375 |
| Net loans and leases to total assets | 83.4093% | 295 |
| Net loans and leases to deposits | 91.4752% | 1,113 |
| Net loans and leases to core deposits | 96.1748% | 1,442 |
| Total domestic deposits to total assets | 91.1824% | 506 |
| Equity capital to assets | 7.7478% | 6,160 |
| Core capital (leverage) ratio | 8.2684% | 5,909 |
| Tier 1 risk-based capital ratio | 14.2238% | 4,136 |
| Total risk-based capital ratio | 15.4927% | 4,065 |
| Memoranda: | ||
| Average total assets | $257,550,200 | 2,457 |
| Average earning assets | $236,340,600 | 2,454 |
| Average equity | $24,997,200 | 2,629 |
| Average total loans | $224,975,600 | 1,821 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0541% | 162 |
| Cost of funding earning assets | 0.5377% | 3,380 |
| Net interest margin | 5.5163% | 128 |
| Noninterest income to average assets | 2.8496% | 253 |
| Noninterest expense to average assets | 6.2676% | 179 |
| Loan and lease loss provision to assets | 0.8442% | 218 |
| Net operating income to assets | 0.4220% | 5,151 |
| Return on assets (ROA) | 0.4227% | 5,293 |
| Pretax return on assets | 0.7795% | 4,377 |
| Return on Equity (ROE) | 4.0609% | 5,196 |
| Retained earnings to average equity (ytd only) | 3.8987% | 3,910 |
| Net charge-offs to loans | 0.0293% | 4,545 |
| Credit loss provision to net charge-offs | 3,260.8696% | 107 |
| Earnings coverage of net charge-offs (x) | 62.6757% | 733 |
| Efficiency ratio | 79.4351% | 2,195 |
| Assets per employee ($millions) | 3.2336% | 5,420 |
| Cash dividends to net income (ytd only)* | 3.9948% | 3,640 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9871% | 1,749 |
| Loan loss allowance to noncurrent loans | 722.7139% | 651 |
| Noncurrent assets plus other real estate owned to assets | 0.2467% | 5,702 |
| Noncurrent loans to loans | 0.2750% | 5,546 |
| Net loans and leases to total assets | 87.9340% | 88 |
| Net loans and leases to deposits | 100.4009% | 452 |
| Net loans and leases to core deposits | 104.2995% | 865 |
| Total domestic deposits to total assets | 87.5829% | 2,368 |
| Equity capital to assets | 9.4523% | 4,611 |
| Core capital (leverage) ratio | 8.3013% | 5,970 |
| Tier 1 risk-based capital ratio | 14.1979% | 4,285 |
| Total risk-based capital ratio | 15.4712% | 4,219 |
| Memoranda: | ||
| Average total assets | $236,894,500 | 2,665 |
| Average earning assets | $216,466,750 | 2,668 |
| Average equity | $24,657,500 | 2,688 |
| Average total loans | $209,055,250 | 1,943 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0568% | 166 |
| Cost of funding earning assets | 0.4819% | 4,069 |
| Net interest margin | 5.5749% | 123 |
| Noninterest income to average assets | 2.8960% | 268 |
| Noninterest expense to average assets | 6.2254% | 190 |
| Loan and lease loss provision to assets | 0.8919% | 217 |
| Net operating income to assets | 0.4457% | 5,035 |
| Return on assets (ROA) | 0.4468% | 5,200 |
| Pretax return on assets | 0.8464% | 4,128 |
| Return on Equity (ROE) | 4.1376% | 5,158 |
| Retained earnings to average equity (ytd only) | 3.9725% | 3,764 |
| Net charge-offs to loans | 0.0682% | 3,737 |
| Credit loss provision to net charge-offs | 1,492.5373% | 220 |
| Earnings coverage of net charge-offs (x) | 29.0597% | 1,173 |
| Efficiency ratio | 78.1898% | 2,428 |
| Assets per employee ($millions) | 3.1306% | 5,616 |
| Cash dividends to net income (ytd only)* | 3.9920% | 3,433 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9844% | 1,889 |
| Loan loss allowance to noncurrent loans | 1,075.9214% | 437 |
| Noncurrent assets plus other real estate owned to assets | 0.1646% | 6,002 |
| Noncurrent loans to loans | 0.1844% | 5,853 |
| Net loans and leases to total assets | 87.4534% | 106 |
| Net loans and leases to deposits | 98.9392% | 486 |
| Net loans and leases to core deposits | 103.5847% | 858 |
| Total domestic deposits to total assets | 88.3911% | 1,992 |
| Equity capital to assets | 10.3729% | 3,463 |
| Core capital (leverage) ratio | 8.9272% | 5,107 |
| Tier 1 risk-based capital ratio | 14.7122% | 3,965 |
| Total risk-based capital ratio | 15.9846% | 3,923 |
| Memoranda: | ||
| Average total assets | $224,241,330 | 2,798 |
| Average earning assets | $203,772,000 | 2,827 |
| Average equity | $24,216,670 | 2,746 |
| Average total loans | $196,543,670 | 2,036 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.9431% | 188 |
| Cost of funding earning assets | 0.4678% | 4,401 |
| Net interest margin | 5.4753% | 125 |
| Noninterest income to average assets | 3.3512% | 218 |
| Noninterest expense to average assets | 6.4785% | 174 |
| Loan and lease loss provision to assets | 0.9403% | 199 |
| Net operating income to assets | 0.4701% | 4,819 |
| Return on assets (ROA) | 0.4701% | 4,986 |
| Pretax return on assets | 0.9064% | 3,738 |
| Return on Equity (ROE) | 4.2557% | 4,970 |
| Retained earnings to average equity (ytd only) | 4.0855% | 3,771 |
| Net charge-offs to loans | 0.2407% | 2,009 |
| Credit loss provision to net charge-offs | 450.4505% | 583 |
| Earnings coverage of net charge-offs (x) | 8.8468% | 1,908 |
| Efficiency ratio | 77.8179% | 2,637 |
| Assets per employee ($millions) | 2.8808% | 6,173 |
| Cash dividends to net income (ytd only)* | 4.0000% | 2,604 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9726% | 2,114 |
| Loan loss allowance to noncurrent loans | 861.7978% | 542 |
| Noncurrent assets plus other real estate owned to assets | 0.1980% | 5,979 |
| Noncurrent loans to loans | 0.2289% | 5,840 |
| Net loans and leases to total assets | 84.8120% | 165 |
| Net loans and leases to deposits | 102.5523% | 267 |
| Net loans and leases to core deposits | 118.1332% | 306 |
| Total domestic deposits to total assets | 82.7012% | 4,951 |
| Equity capital to assets | 10.9081% | 3,066 |
| Core capital (leverage) ratio | 9.6487% | 3,849 |
| Tier 1 risk-based capital ratio | 15.3336% | 3,632 |
| Total risk-based capital ratio | 16.6035% | 3,575 |
| Memoranda: | ||
| Average total assets | $212,703,000 | 2,954 |
| Average earning assets | $193,232,000 | 2,974 |
| Average equity | $23,498,000 | 2,855 |
| Average total loans | $184,482,000 | 2,169 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3488% | 827 |
| Cost of funding earning assets | 0.5940% | 4,407 |
| Net interest margin | 4.7548% | 588 |
| Noninterest income to average assets | 3.9780% | 187 |
| Noninterest expense to average assets | 7.3759% | 130 |
| Loan and lease loss provision to assets | 0.7359% | 691 |
| Net operating income to assets | 2.4566% | 163 |
| Return on assets (ROA) | 2.4548% | 178 |
| Pretax return on assets | 0.1251% | 6,111 |
| Return on Equity (ROE) | 19.3805% | 329 |
| Retained earnings to average equity (ytd only) | 19.1239% | 70 |
| Net charge-offs to loans | 0.8626% | 1,327 |
| Credit loss provision to net charge-offs | 114.9425% | 2,522 |
| Earnings coverage of net charge-offs (x) | 1.3477% | 4,783 |
| Efficiency ratio | 89.5274% | 1,107 |
| Assets per employee ($millions) | 2.8672% | 6,215 |
| Cash dividends to net income (ytd only)* | 1.3240% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9736% | 2,091 |
| Loan loss allowance to noncurrent loans | 156.8761% | 2,277 |
| Noncurrent assets plus other real estate owned to assets | 1.0942% | 3,822 |
| Noncurrent loans to loans | 1.2581% | 3,730 |
| Net loans and leases to total assets | 85.2548% | 160 |
| Net loans and leases to deposits | 107.6327% | 193 |
| Net loans and leases to core deposits | 129.1596% | 193 |
| Total domestic deposits to total assets | 79.2090% | 5,848 |
| Equity capital to assets | 11.2032% | 2,731 |
| Core capital (leverage) ratio | 10.2913% | 3,024 |
| Tier 1 risk-based capital ratio | 14.8764% | 3,788 |
| Total risk-based capital ratio | 16.1450% | 3,725 |
| Memoranda: | ||
| Average total assets | $163,071,400 | 3,568 |
| Average earning assets | $146,126,000 | 3,623 |
| Average equity | $20,654,800 | 3,126 |
| Average total loans | $121,032,600 | 3,051 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2803% | 1,045 |
| Cost of funding earning assets | 0.6502% | 4,200 |
| Net interest margin | 4.6301% | 775 |
| Noninterest income to average assets | 4.6490% | 156 |
| Noninterest expense to average assets | 7.8195% | 114 |
| Loan and lease loss provision to assets | 0.8503% | 544 |
| Net operating income to assets | 3.4256% | 75 |
| Return on assets (ROA) | 3.4230% | 80 |
| Pretax return on assets | 0.1163% | 6,247 |
| Return on Equity (ROE) | 26.0425% | 123 |
| Retained earnings to average equity (ytd only) | 25.7587% | 49 |
| Net charge-offs to loans | 1.0862% | 950 |
| Credit loss provision to net charge-offs | 111.7446% | 2,622 |
| Earnings coverage of net charge-offs (x) | 1.2737% | 4,648 |
| Efficiency ratio | 88.9723% | 1,116 |
| Assets per employee ($millions) | 2.5548% | 6,647 |
| Cash dividends to net income (ytd only)* | 1.0900% | 3,702 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5280% | 1,179 |
| Loan loss allowance to noncurrent loans | 328.6822% | 1,139 |
| Noncurrent assets plus other real estate owned to assets | 0.6412% | 5,066 |
| Noncurrent loans to loans | 0.7691% | 4,874 |
| Net loans and leases to total assets | 81.2549% | 406 |
| Net loans and leases to deposits | 103.4307% | 300 |
| Net loans and leases to core deposits | 104.6666% | 827 |
| Total domestic deposits to total assets | 78.5597% | 5,955 |
| Equity capital to assets | 13.8648% | 1,213 |
| Core capital (leverage) ratio | 11.4421% | 2,028 |
| Tier 1 risk-based capital ratio | 16.8632% | 2,802 |
| Total risk-based capital ratio | 18.1381% | 2,752 |
| Memoranda: | ||
| Average total assets | $153,663,750 | 3,760 |
| Average earning assets | $137,388,750 | 3,804 |
| Average equity | $20,197,250 | 3,209 |
| Average total loans | $107,652,500 | 3,376 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0608% | 1,630 |
| Cost of funding earning assets | 0.7087% | 3,946 |
| Net interest margin | 4.3522% | 1,335 |
| Noninterest income to average assets | 4.9857% | 139 |
| Noninterest expense to average assets | 8.0022% | 111 |
| Loan and lease loss provision to assets | 0.7935% | 637 |
| Net operating income to assets | 5.1748% | 45 |
| Return on assets (ROA) | 5.1708% | 45 |
| Pretax return on assets | 0.0926% | 6,338 |
| Return on Equity (ROE) | 40.1211% | 41 |
| Retained earnings to average equity (ytd only) | 39.7825% | 27 |
| Net charge-offs to loans | 1.0910% | 998 |
| Credit loss provision to net charge-offs | 111.3173% | 2,442 |
| Earnings coverage of net charge-offs (x) | 1.2486% | 4,384 |
| Efficiency ratio | 89.9911% | 1,070 |
| Assets per employee ($millions) | 2.7142% | 6,511 |
| Cash dividends to net income (ytd only)* | 0.8440% | 3,516 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0160% | 769 |
| Loan loss allowance to noncurrent loans | 246.1425% | 1,414 |
| Noncurrent assets plus other real estate owned to assets | 0.9357% | 4,500 |
| Noncurrent loans to loans | 1.2253% | 4,095 |
| Net loans and leases to total assets | 68.4296% | 2,206 |
| Net loans and leases to deposits | 80.8972% | 2,246 |
| Net loans and leases to core deposits | 83.2022% | 2,799 |
| Total domestic deposits to total assets | 84.5883% | 4,057 |
| Equity capital to assets | 14.0860% | 1,058 |
| Core capital (leverage) ratio | 12.3481% | 1,420 |
| Tier 1 risk-based capital ratio | 18.5902% | 2,107 |
| Total risk-based capital ratio | 19.8673% | 2,050 |
| Memoranda: | ||
| Average total assets | $151,233,670 | 3,817 |
| Average earning assets | $135,748,000 | 3,855 |
| Average equity | $19,491,000 | 3,285 |
| Average total loans | $98,811,670 | 3,600 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0047% | 1,868 |
| Cost of funding earning assets | 0.7863% | 3,573 |
| Net interest margin | 4.2185% | 1,712 |
| Noninterest income to average assets | 4.6848% | 141 |
| Noninterest expense to average assets | 7.9980% | 115 |
| Loan and lease loss provision to assets | 0.4050% | 1,561 |
| Net operating income to assets | 0.0918% | 6,251 |
| Return on assets (ROA) | 0.0918% | 6,377 |
| Pretax return on assets | 0.0918% | 6,395 |
| Return on Equity (ROE) | 0.7494% | 6,394 |
| Retained earnings to average equity (ytd only) | 0.5290% | 5,829 |
| Net charge-offs to loans | 1.6487% | 590 |
| Credit loss provision to net charge-offs | 39.2670% | 3,460 |
| Earnings coverage of net charge-offs (x) | 0.4817% | 4,099 |
| Efficiency ratio | 94.1513% | 811 |
| Assets per employee ($millions) | 2.6660% | 6,679 |
| Cash dividends to net income (ytd only)* | 29.4118% | 2,100 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1773% | 701 |
| Loan loss allowance to noncurrent loans | 158.8052% | 2,049 |
| Noncurrent assets plus other real estate owned to assets | 2.0037% | 2,889 |
| Noncurrent loans to loans | 2.0007% | 3,165 |
| Net loans and leases to total assets | 63.5316% | 2,942 |
| Net loans and leases to deposits | 73.3266% | 3,230 |
| Net loans and leases to core deposits | 75.8465% | 3,636 |
| Total domestic deposits to total assets | 86.6420% | 3,157 |
| Equity capital to assets | 12.4278% | 1,772 |
| Core capital (leverage) ratio | 12.4418% | 1,365 |
| Tier 1 risk-based capital ratio | 20.5704% | 1,573 |
| Total risk-based capital ratio | 21.8478% | 1,542 |
| Memoranda: | ||
| Average total assets | $148,137,500 | 3,906 |
| Average earning assets | $133,793,000 | 3,915 |
| Average equity | $18,149,000 | 3,477 |
| Average total loans | $92,679,500 | 3,764 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6764% | 818 |
| Cost of funding earning assets | 1.1152% | 2,573 |
| Net interest margin | 4.5612% | 994 |
| Noninterest income to average assets | 6.5221% | 96 |
| Noninterest expense to average assets | 8.1237% | 101 |
| Loan and lease loss provision to assets | 0.9023% | 1,065 |
| Net operating income to assets | 1.7279% | 527 |
| Return on assets (ROA) | 1.7279% | 564 |
| Pretax return on assets | 1.7309% | 924 |
| Return on Equity (ROE) | 14.8730% | 766 |
| Retained earnings to average equity (ytd only) | 14.2841% | 159 |
| Net charge-offs to loans | 0.4771% | 3,084 |
| Credit loss provision to net charge-offs | 260.3037% | 925 |
| Earnings coverage of net charge-offs (x) | 7.5965% | 2,309 |
| Efficiency ratio | 75.5208% | 2,972 |
| Assets per employee ($millions) | 3.1176% | 5,864 |
| Cash dividends to net income (ytd only)* | 3.9600% | 4,004 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.6895% | 469 |
| Loan loss allowance to noncurrent loans | 146.3078% | 2,174 |
| Noncurrent assets plus other real estate owned to assets | 2.1798% | 2,756 |
| Noncurrent loans to loans | 2.5217% | 2,611 |
| Net loans and leases to total assets | 57.3735% | 4,485 |
| Net loans and leases to deposits | 66.2091% | 4,701 |
| Net loans and leases to core deposits | 67.9042% | 5,038 |
| Total domestic deposits to total assets | 86.6550% | 2,944 |
| Equity capital to assets | 12.0787% | 2,062 |
| Core capital (leverage) ratio | 12.0794% | 1,550 |
| Tier 1 risk-based capital ratio | 21.3949% | 1,339 |
| Total risk-based capital ratio | 22.6783% | 1,308 |
| Memoranda: | ||
| Average total assets | $132,993,400 | 4,106 |
| Average earning assets | $123,475,800 | 4,063 |
| Average equity | $15,450,800 | 3,829 |
| Average total loans | $96,628,000 | 3,711 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.8424% | 644 |
| Cost of funding earning assets | 1.2121% | 2,245 |
| Net interest margin | 4.6303% | 894 |
| Noninterest income to average assets | 6.5738% | 98 |
| Noninterest expense to average assets | 8.3291% | 96 |
| Loan and lease loss provision to assets | 0.9314% | 948 |
| Net operating income to assets | 1.6424% | 716 |
| Return on assets (ROA) | 1.6424% | 781 |
| Pretax return on assets | 1.6466% | 1,266 |
| Return on Equity (ROE) | 14.3020% | 979 |
| Retained earnings to average equity (ytd only) | 13.5991% | 323 |
| Net charge-offs to loans | 0.2694% | 3,755 |
| Credit loss provision to net charge-offs | 452.2613% | 610 |
| Earnings coverage of net charge-offs (x) | 12.5174% | 1,701 |
| Efficiency ratio | 76.3640% | 2,788 |
| Assets per employee ($millions) | 3.2637% | 5,547 |
| Cash dividends to net income (ytd only)* | 4.9150% | 3,413 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4662% | 582 |
| Loan loss allowance to noncurrent loans | 91.0134% | 3,205 |
| Noncurrent assets plus other real estate owned to assets | 3.1629% | 2,023 |
| Noncurrent loans to loans | 3.8084% | 1,770 |
| Net loans and leases to total assets | 63.0491% | 3,502 |
| Net loans and leases to deposits | 72.7149% | 3,846 |
| Net loans and leases to core deposits | 74.3847% | 4,396 |
| Total domestic deposits to total assets | 86.7072% | 2,817 |
| Equity capital to assets | 12.0421% | 2,215 |
| Core capital (leverage) ratio | 12.5330% | 1,423 |
| Tier 1 risk-based capital ratio | 20.4861% | 1,569 |
| Total risk-based capital ratio | 21.7681% | 1,532 |
| Memoranda: | ||
| Average total assets | $128,830,750 | 4,222 |
| Average earning assets | $120,564,000 | 4,139 |
| Average equity | $14,794,750 | 3,960 |
| Average total loans | $98,498,750 | 3,683 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.0819% | 407 |
| Cost of funding earning assets | 1.3750% | 1,528 |
| Net interest margin | 4.7068% | 714 |
| Noninterest income to average assets | 6.8939% | 100 |
| Noninterest expense to average assets | 8.7615% | 95 |
| Loan and lease loss provision to assets | 0.9685% | 913 |
| Net operating income to assets | 1.6174% | 708 |
| Return on assets (ROA) | 1.6174% | 752 |
| Pretax return on assets | 1.6174% | 1,228 |
| Return on Equity (ROE) | 14.3532% | 907 |
| Retained earnings to average equity (ytd only) | 13.6513% | 344 |
| Net charge-offs to loans | 0.3018% | 3,358 |
| Credit loss provision to net charge-offs | 397.3510% | 761 |
| Earnings coverage of net charge-offs (x) | 10.6093% | 1,790 |
| Efficiency ratio | 77.2119% | 2,824 |
| Assets per employee ($millions) | 2.9486% | 6,199 |
| Cash dividends to net income (ytd only)* | 4.8902% | 3,234 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0602% | 843 |
| Loan loss allowance to noncurrent loans | 169.8188% | 1,768 |
| Noncurrent assets plus other real estate owned to assets | 2.0901% | 3,126 |
| Noncurrent loans to loans | 1.8020% | 3,753 |
| Net loans and leases to total assets | 74.9292% | 1,251 |
| Net loans and leases to deposits | 86.0572% | 1,787 |
| Net loans and leases to core deposits | 88.1624% | 2,623 |
| Total domestic deposits to total assets | 87.0691% | 2,703 |
| Equity capital to assets | 11.4789% | 2,518 |
| Core capital (leverage) ratio | 11.9988% | 1,596 |
| Tier 1 risk-based capital ratio | 17.7589% | 2,249 |
| Total risk-based capital ratio | 19.0393% | 2,197 |
| Memoranda: | ||
| Average total assets | $123,906,330 | 4,349 |
| Average earning assets | $117,234,000 | 4,251 |
| Average equity | $13,962,000 | 4,129 |
| Average total loans | $100,067,670 | 3,684 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.4674% | 223 |
| Cost of funding earning assets | 1.7460% | 457 |
| Net interest margin | 4.7214% | 677 |
| Noninterest income to average assets | 6.6141% | 106 |
| Noninterest expense to average assets | 8.6196% | 93 |
| Loan and lease loss provision to assets | 0.9799% | 791 |
| Net operating income to assets | 1.4927% | 886 |
| Return on assets (ROA) | 1.4927% | 931 |
| Pretax return on assets | 1.4927% | 1,471 |
| Return on Equity (ROE) | 13.3763% | 1,114 |
| Retained earnings to average equity (ytd only) | 12.6445% | 647 |
| Net charge-offs to loans | 0.0593% | 4,337 |
| Credit loss provision to net charge-offs | 2,000.0000% | 196 |
| Earnings coverage of net charge-offs (x) | 50.4667% | 569 |
| Efficiency ratio | 77.7091% | 2,890 |
| Assets per employee ($millions) | 2.6805% | 6,719 |
| Cash dividends to net income (ytd only)* | 5.4705% | 2,449 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0248% | 900 |
| Loan loss allowance to noncurrent loans | 291.0678% | 1,054 |
| Noncurrent assets plus other real estate owned to assets | 1.5599% | 3,909 |
| Noncurrent loans to loans | 1.0392% | 4,981 |
| Net loans and leases to total assets | 78.8558% | 635 |
| Net loans and leases to deposits | 97.0487% | 620 |
| Net loans and leases to core deposits | 100.8858% | 1,268 |
| Total domestic deposits to total assets | 81.2538% | 5,589 |
| Equity capital to assets | 12.0752% | 1,875 |
| Core capital (leverage) ratio | 10.2490% | 2,864 |
| Tier 1 risk-based capital ratio | 17.6546% | 2,230 |
| Total risk-based capital ratio | 18.9350% | 2,196 |
| Memoranda: | ||
| Average total assets | $122,465,000 | 4,406 |
| Average earning assets | $116,151,000 | 4,296 |
| Average equity | $13,666,000 | 4,176 |
| Average total loans | $101,101,000 | 3,693 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2196% | 3,513 |
| Cost of funding earning assets | 1.5711% | 2,237 |
| Net interest margin | 3.6485% | 4,580 |
| Noninterest income to average assets | 6.5186% | 102 |
| Noninterest expense to average assets | 7.3926% | 135 |
| Loan and lease loss provision to assets | 2.3866% | 486 |
| Net operating income to assets | 0.2148% | 5,232 |
| Return on assets (ROA) | 0.2708% | 5,194 |
| Pretax return on assets | 0.2699% | 5,312 |
| Return on Equity (ROE) | 2.8900% | 4,999 |
| Retained earnings to average equity (ytd only) | 2.0292% | 4,450 |
| Net charge-offs to loans | 3.1202% | 515 |
| Credit loss provision to net charge-offs | 102.8734% | 4,389 |
| Earnings coverage of net charge-offs (x) | 1.1210% | 4,985 |
| Efficiency ratio | 73.9768% | 3,401 |
| Assets per employee ($millions) | 3.0874% | 5,904 |
| Cash dividends to net income (ytd only)* | 29.7872% | 3,053 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3507% | 1,615 |
| Loan loss allowance to noncurrent loans | 270.9883% | 1,135 |
| Noncurrent assets plus other real estate owned to assets | 1.7352% | 3,700 |
| Noncurrent loans to loans | 0.8675% | 5,329 |
| Net loans and leases to total assets | 81.6903% | 475 |
| Net loans and leases to deposits | 113.6019% | 181 |
| Net loans and leases to core deposits | 118.0956% | 584 |
| Total domestic deposits to total assets | 71.9092% | 7,090 |
| Equity capital to assets | 10.3448% | 3,332 |
| Core capital (leverage) ratio | 10.5116% | 2,546 |
| Tier 1 risk-based capital ratio | 16.6094% | 2,492 |
| Total risk-based capital ratio | 17.8841% | 2,455 |
| Memoranda: | ||
| Average total assets | $121,513,600 | 4,453 |
| Average earning assets | $115,718,400 | 4,325 |
| Average equity | $11,384,000 | 4,769 |
| Average total loans | $90,346,400 | 4,041 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8865% | 5,324 |
| Cost of funding earning assets | 1.3650% | 3,805 |
| Net interest margin | 3.5215% | 5,212 |
| Noninterest income to average assets | 5.6066% | 122 |
| Noninterest expense to average assets | 7.0920% | 147 |
| Loan and lease loss provision to assets | 3.0131% | 287 |
| Net operating income to assets | -1.1539% | 6,966 |
| Return on assets (ROA) | -1.0780% | 6,974 |
| Pretax return on assets | -1.0713% | 6,891 |
| Return on Equity (ROE) | -11.8418% | 7,006 |
| Retained earnings to average equity (ytd only) | -11.8418% | 6,968 |
| Net charge-offs to loans | 4.3722% | 247 |
| Credit loss provision to net charge-offs | 95.9488% | 4,514 |
| Earnings coverage of net charge-offs (x) | 0.5942% | 5,429 |
| Efficiency ratio | 79.1703% | 2,460 |
| Assets per employee ($millions) | 3.1292% | 5,856 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5424% | 1,281 |
| Loan loss allowance to noncurrent loans | 136.1850% | 2,074 |
| Noncurrent assets plus other real estate owned to assets | 2.3695% | 3,008 |
| Noncurrent loans to loans | 1.8669% | 3,842 |
| Net loans and leases to total assets | 70.3927% | 2,640 |
| Net loans and leases to deposits | 94.2704% | 1,174 |
| Net loans and leases to core deposits | 99.3149% | 1,912 |
| Total domestic deposits to total assets | 74.6711% | 6,830 |
| Equity capital to assets | 9.4742% | 4,885 |
| Core capital (leverage) ratio | 9.1881% | 4,390 |
| Tier 1 risk-based capital ratio | 15.8633% | 2,831 |
| Total risk-based capital ratio | 17.1358% | 2,761 |
| Memoranda: | ||
| Average total assets | $119,474,750 | 4,551 |
| Average earning assets | $113,698,000 | 4,437 |
| Average equity | $10,876,500 | 4,955 |
| Average total loans | $85,813,750 | 4,232 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9404% | 5,224 |
| Cost of funding earning assets | 1.4482% | 3,565 |
| Net interest margin | 3.4922% | 5,279 |
| Noninterest income to average assets | 5.3649% | 129 |
| Noninterest expense to average assets | 6.9233% | 157 |
| Loan and lease loss provision to assets | 4.5480% | 143 |
| Net operating income to assets | -2.7906% | 7,475 |
| Return on assets (ROA) | -2.7872% | 7,485 |
| Pretax return on assets | -2.7837% | 7,433 |
| Return on Equity (ROE) | -31.0804% | 7,447 |
| Retained earnings to average equity (ytd only) | -31.0804% | 7,435 |
| Net charge-offs to loans | 6.3235% | 116 |
| Credit loss provision to net charge-offs | 100.3408% | 4,056 |
| Earnings coverage of net charge-offs (x) | 0.3885% | 5,349 |
| Efficiency ratio | 79.7233% | 2,476 |
| Assets per employee ($millions) | 3.3325% | 5,345 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.6330% | 1,160 |
| Loan loss allowance to noncurrent loans | 125.5319% | 2,221 |
| Noncurrent assets plus other real estate owned to assets | 2.5402% | 2,845 |
| Noncurrent loans to loans | 2.0975% | 3,593 |
| Net loans and leases to total assets | 68.7432% | 3,186 |
| Net loans and leases to deposits | 92.4895% | 1,458 |
| Net loans and leases to core deposits | 103.9040% | 1,650 |
| Total domestic deposits to total assets | 74.3254% | 6,937 |
| Equity capital to assets | 8.7015% | 5,881 |
| Core capital (leverage) ratio | 9.6690% | 3,579 |
| Tier 1 risk-based capital ratio | 15.0298% | 3,143 |
| Total risk-based capital ratio | 16.3061% | 3,095 |
| Memoranda: | ||
| Average total assets | $116,534,330 | 4,642 |
| Average earning assets | $110,761,000 | 4,543 |
| Average equity | $10,450,330 | 5,074 |
| Average total loans | $83,529,330 | 4,336 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4461% | 2,832 |
| Cost of funding earning assets | 1.5605% | 3,204 |
| Net interest margin | 3.8856% | 3,391 |
| Noninterest income to average assets | 4.0166% | 165 |
| Noninterest expense to average assets | 6.9569% | 151 |
| Loan and lease loss provision to assets | 0.5548% | 2,283 |
| Net operating income to assets | 0.1886% | 5,724 |
| Return on assets (ROA) | 0.1960% | 5,822 |
| Pretax return on assets | 0.1960% | 5,885 |
| Return on Equity (ROE) | 2.1466% | 5,703 |
| Retained earnings to average equity (ytd only) | 2.1466% | 4,846 |
| Net charge-offs to loans | -0.1329% | 7,581 |
| Credit loss provision to net charge-offs | -576.9231% | 6,295 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 90.3458% | 1,401 |
| Assets per employee ($millions) | 2.8784% | 6,485 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2806% | 646 |
| Loan loss allowance to noncurrent loans | 148.1523% | 1,881 |
| Noncurrent assets plus other real estate owned to assets | 3.2853% | 2,180 |
| Noncurrent loans to loans | 2.2143% | 3,511 |
| Net loans and leases to total assets | 69.4938% | 3,055 |
| Net loans and leases to deposits | 84.3508% | 2,878 |
| Net loans and leases to core deposits | 92.5936% | 3,029 |
| Total domestic deposits to total assets | 82.3867% | 4,893 |
| Equity capital to assets | 10.1652% | 3,648 |
| Core capital (leverage) ratio | 10.8968% | 2,295 |
| Tier 1 risk-based capital ratio | 15.2243% | 2,994 |
| Total risk-based capital ratio | 16.5041% | 2,944 |
| Memoranda: | ||
| Average total assets | $108,152,000 | 4,921 |
| Average earning assets | $102,532,500 | 4,797 |
| Average equity | $9,876,000 | 5,271 |
| Average total loans | $78,238,000 | 4,571 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6565% | 3,321 |
| Cost of funding earning assets | 1.9630% | 3,136 |
| Net interest margin | 3.6935% | 4,173 |
| Noninterest income to average assets | 1.3502% | 816 |
| Noninterest expense to average assets | 6.3823% | 263 |
| Loan and lease loss provision to assets | 3.7880% | 379 |
| Net operating income to assets | -5.2786% | 7,781 |
| Return on assets (ROA) | -5.2786% | 7,769 |
| Pretax return on assets | -5.2636% | 7,736 |
| Return on Equity (ROE) | -42.4363% | 7,606 |
| Retained earnings to average equity (ytd only) | -42.4363% | 7,593 |
| Net charge-offs to loans | 3.4396% | 569 |
| Credit loss provision to net charge-offs | 151.8471% | 3,033 |
| Earnings coverage of net charge-offs (x) | -0.5915% | 6,747 |
| Efficiency ratio | 130.0721% | 478 |
| Assets per employee ($millions) | 2.8121% | 6,638 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2578% | 628 |
| Loan loss allowance to noncurrent loans | 78.5124% | 3,504 |
| Noncurrent assets plus other real estate owned to assets | 3.9953% | 1,651 |
| Noncurrent loans to loans | 4.1494% | 1,764 |
| Net loans and leases to total assets | 70.4953% | 3,130 |
| Net loans and leases to deposits | 77.4083% | 4,485 |
| Net loans and leases to core deposits | 104.6871% | 3,494 |
| Total domestic deposits to total assets | 91.0695% | 511 |
| Equity capital to assets | 8.0165% | 6,566 |
| Core capital (leverage) ratio | 7.2073% | 7,063 |
| Tier 1 risk-based capital ratio | 10.7830% | 6,129 |
| Total risk-based capital ratio | 12.0623% | 6,075 |
| Memoranda: | ||
| Average total assets | $93,320,800 | 5,290 |
| Average earning assets | $89,860,600 | 5,124 |
| Average equity | $11,608,000 | 4,836 |
| Average total loans | $67,682,000 | 4,951 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6020% | 3,851 |
| Cost of funding earning assets | 1.9609% | 3,561 |
| Net interest margin | 3.6412% | 4,319 |
| Noninterest income to average assets | 0.5707% | 3,915 |
| Noninterest expense to average assets | 5.7840% | 332 |
| Loan and lease loss provision to assets | 1.6696% | 1,121 |
| Net operating income to assets | -3.3907% | 7,670 |
| Return on assets (ROA) | -3.3907% | 7,678 |
| Pretax return on assets | -3.3701% | 7,588 |
| Return on Equity (ROE) | -24.7350% | 7,499 |
| Retained earnings to average equity (ytd only) | -24.7350% | 7,475 |
| Net charge-offs to loans | 2.2463% | 847 |
| Credit loss provision to net charge-offs | 102.6221% | 4,955 |
| Earnings coverage of net charge-offs (x) | -1.0452% | 6,639 |
| Efficiency ratio | 141.6427% | 364 |
| Assets per employee ($millions) | 2.8567% | 6,518 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8954% | 2,048 |
| Loan loss allowance to noncurrent loans | 49.7112% | 5,005 |
| Noncurrent assets plus other real estate owned to assets | 3.3238% | 2,031 |
| Noncurrent loans to loans | 3.8128% | 1,950 |
| Net loans and leases to total assets | 59.9785% | 5,581 |
| Net loans and leases to deposits | 66.9922% | 6,214 |
| Net loans and leases to core deposits | 90.8451% | 5,352 |
| Total domestic deposits to total assets | 89.5306% | 947 |
| Equity capital to assets | 9.9201% | 4,191 |
| Core capital (leverage) ratio | 9.6875% | 3,664 |
| Tier 1 risk-based capital ratio | 15.0510% | 3,015 |
| Total risk-based capital ratio | 16.3073% | 2,954 |
| Memoranda: | ||
| Average total assets | $90,639,000 | 5,408 |
| Average earning assets | $87,442,500 | 5,248 |
| Average equity | $12,424,750 | 4,677 |
| Average total loans | $65,647,750 | 5,077 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6240% | 3,944 |
| Cost of funding earning assets | 1.8961% | 4,286 |
| Net interest margin | 3.7279% | 3,847 |
| Noninterest income to average assets | 0.7478% | 2,715 |
| Noninterest expense to average assets | 4.9334% | 537 |
| Loan and lease loss provision to assets | 1.0153% | 1,665 |
| Net operating income to assets | -1.6365% | 7,303 |
| Return on assets (ROA) | -1.6365% | 7,302 |
| Pretax return on assets | -1.6031% | 7,131 |
| Return on Equity (ROE) | -10.6347% | 7,084 |
| Retained earnings to average equity (ytd only) | -10.6347% | 6,938 |
| Net charge-offs to loans | 1.1261% | 1,615 |
| Credit loss provision to net charge-offs | 116.4384% | 3,984 |
| Earnings coverage of net charge-offs (x) | -0.6740% | 6,147 |
| Efficiency ratio | 113.5239% | 768 |
| Assets per employee ($millions) | 3.5780% | 4,627 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9354% | 1,706 |
| Loan loss allowance to noncurrent loans | 39.5572% | 5,752 |
| Noncurrent assets plus other real estate owned to assets | 3.7361% | 1,641 |
| Noncurrent loans to loans | 4.8926% | 1,274 |
| Net loans and leases to total assets | 74.8846% | 2,470 |
| Net loans and leases to deposits | 99.6030% | 1,329 |
| Net loans and leases to core deposits | 115.5053% | 2,759 |
| Total domestic deposits to total assets | 75.1831% | 6,726 |
| Equity capital to assets | 14.0613% | 1,291 |
| Core capital (leverage) ratio | 14.9187% | 942 |
| Tier 1 risk-based capital ratio | 17.0336% | 2,294 |
| Total risk-based capital ratio | 18.2905% | 2,239 |
| Memoranda: | ||
| Average total assets | $83,715,330 | 5,669 |
| Average earning assets | $80,797,000 | 5,503 |
| Average equity | $12,882,330 | 4,575 |
| Average total loans | $64,826,000 | 5,145 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3767% | 5,543 |
| Cost of funding earning assets | 1.9309% | 4,483 |
| Net interest margin | 3.4458% | 4,956 |
| Noninterest income to average assets | 0.6086% | 3,487 |
| Noninterest expense to average assets | 4.6161% | 645 |
| Loan and lease loss provision to assets | 1.4595% | 865 |
| Net operating income to assets | -2.1473% | 7,699 |
| Return on assets (ROA) | -2.1473% | 7,697 |
| Pretax return on assets | -2.1473% | 7,570 |
| Return on Equity (ROE) | -13.3185% | 7,536 |
| Retained earnings to average equity (ytd only) | -13.3185% | 7,346 |
| Net charge-offs to loans | 1.6105% | 899 |
| Credit loss provision to net charge-offs | 116.1417% | 3,358 |
| Earnings coverage of net charge-offs (x) | -0.5472% | 5,272 |
| Efficiency ratio | 117.5063% | 668 |
| Assets per employee ($millions) | 3.5024% | 4,821 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9949% | 1,433 |
| Loan loss allowance to noncurrent loans | 35.7182% | 6,174 |
| Noncurrent assets plus other real estate owned to assets | 4.5286% | 1,057 |
| Noncurrent loans to loans | 5.5850% | 908 |
| Net loans and leases to total assets | 79.4674% | 1,483 |
| Net loans and leases to deposits | 110.2244% | 600 |
| Net loans and leases to core deposits | 130.8672% | 1,606 |
| Total domestic deposits to total assets | 72.0961% | 7,195 |
| Equity capital to assets | 15.9518% | 880 |
| Core capital (leverage) ratio | 16.9757% | 657 |
| Tier 1 risk-based capital ratio | 18.5142% | 1,932 |
| Total risk-based capital ratio | 19.7432% | 1,896 |
| Memoranda: | ||
| Average total assets | $80,847,500 | 5,792 |
| Average earning assets | $77,891,500 | 5,628 |
| Average equity | $13,034,500 | 4,570 |
| Average total loans | $63,085,500 | 5,242 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.8146% | 1,628 |
| Cost of funding earning assets | 2.6860% | 3,227 |
| Net interest margin | 4.1286% | 2,590 |
| Noninterest income to average assets | 1.5973% | 549 |
| Noninterest expense to average assets | 5.3100% | 547 |
| Loan and lease loss provision to assets | 2.3946% | 449 |
| Net operating income to assets | -2.1693% | 7,641 |
| Return on assets (ROA) | -2.1693% | 7,601 |
| Pretax return on assets | -2.1653% | 7,493 |
| Return on Equity (ROE) | -16.1686% | 7,633 |
| Retained earnings to average equity (ytd only) | -16.1686% | 7,525 |
| Net charge-offs to loans | 2.9243% | 305 |
| Credit loss provision to net charge-offs | 98.8858% | 5,420 |
| Earnings coverage of net charge-offs (x) | 0.0947% | 6,189 |
| Efficiency ratio | 95.8597% | 1,164 |
| Assets per employee ($millions) | 3.6882% | 4,202 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0739% | 1,112 |
| Loan loss allowance to noncurrent loans | 32.8731% | 6,533 |
| Noncurrent assets plus other real estate owned to assets | 4.7313% | 765 |
| Noncurrent loans to loans | 6.3086% | 527 |
| Net loans and leases to total assets | 73.4422% | 3,251 |
| Net loans and leases to deposits | 102.2109% | 1,572 |
| Net loans and leases to core deposits | 123.9826% | 2,327 |
| Total domestic deposits to total assets | 71.8536% | 7,030 |
| Equity capital to assets | 16.2916% | 886 |
| Core capital (leverage) ratio | 18.4892% | 557 |
| Tier 1 risk-based capital ratio | 20.7111% | 1,505 |
| Total risk-based capital ratio | 21.9702% | 1,475 |
| Memoranda: | ||
| Average total assets | $74,124,400 | 5,910 |
| Average earning assets | $70,775,000 | 5,788 |
| Average equity | $9,945,200 | 5,429 |
| Average total loans | $61,383,200 | 5,205 |