Home > Securant Bank & Trust > Performance and Condition Ratios
Securant Bank & Trust, Performance and Condition Ratios
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7856% | 1,467 |
| Cost of funding earning assets | 1.2470% | 197 |
| Net interest margin | 3.5386% | 3,563 |
| Noninterest income to average assets | 0.1929% | 4,816 |
| Noninterest expense to average assets | 4.0591% | 487 |
| Loan and lease loss provision to assets | -0.0326% | 5,263 |
| Net operating income to assets | -0.4215% | 5,379 |
| Return on assets (ROA) | -0.4215% | 5,375 |
| Pretax return on assets | -0.5678% | 5,390 |
| Return on Equity (ROE) | -3.9378% | 5,380 |
| Retained earnings to average equity (ytd only) | -3.9378% | 5,280 |
| Net charge-offs to loans | -0.0381% | 4,833 |
| Credit loss provision to net charge-offs | 101.9231% | 2,231 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 117.3565% | 63 |
| Assets per employee ($millions) | 5.4416% | 1,973 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,598 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1121% | 3,125 |
| Loan loss allowance to noncurrent loans | 471.0762% | 1,150 |
| Noncurrent assets plus other real estate owned to assets | 0.6302% | 2,290 |
| Noncurrent loans to loans | 0.2361% | 3,857 |
| Net loans and leases to total assets | 83.7346% | 485 |
| Net loans and leases to deposits | 108.3224% | 345 |
| Net loans and leases to core deposits | 127.7575% | 370 |
| Total domestic deposits to total assets | 77.3013% | 4,594 |
| Equity capital to assets | 10.0334% | 3,605 |
| Core capital (leverage) ratio | 8.8257% | 4,869 |
| Tier 1 risk-based capital ratio | 10.6461% | 5,195 |
| Total risk-based capital ratio | 11.8371% | 5,128 |
| Memoranda: | ||
| Average total assets | $216,990,500 | 2,734 |
| Average earning assets | $200,263,500 | 2,736 |
| Average equity | $23,227,250 | 2,809 |
| Average total loans | $182,144,750 | 2,334 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7059% | 1,490 |
| Cost of funding earning assets | 1.1969% | 185 |
| Net interest margin | 3.5090% | 3,601 |
| Noninterest income to average assets | 0.1842% | 4,906 |
| Noninterest expense to average assets | 2.7001% | 3,019 |
| Loan and lease loss provision to assets | -0.0307% | 5,343 |
| Net operating income to assets | 0.5434% | 4,640 |
| Return on assets (ROA) | 0.5434% | 4,647 |
| Pretax return on assets | 0.7527% | 4,379 |
| Return on Equity (ROE) | 4.9685% | 4,559 |
| Retained earnings to average equity (ytd only) | 4.9685% | 3,090 |
| Net charge-offs to loans | -0.0523% | 4,936 |
| Credit loss provision to net charge-offs | 70.2128% | 2,345 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 78.9016% | 1,125 |
| Assets per employee ($millions) | 5.3745% | 2,016 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,456 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1363% | 3,059 |
| Loan loss allowance to noncurrent loans | 159.9395% | 2,656 |
| Noncurrent assets plus other real estate owned to assets | 0.6004% | 2,420 |
| Noncurrent loans to loans | 0.7105% | 2,336 |
| Net loans and leases to total assets | 83.5456% | 520 |
| Net loans and leases to deposits | 105.1460% | 475 |
| Net loans and leases to core deposits | 123.3796% | 477 |
| Total domestic deposits to total assets | 79.4567% | 4,357 |
| Equity capital to assets | 10.7645% | 2,871 |
| Core capital (leverage) ratio | 9.5967% | 3,998 |
| Tier 1 risk-based capital ratio | 11.5991% | 4,746 |
| Total risk-based capital ratio | 12.8254% | 4,635 |
| Memoranda: | ||
| Average total assets | $214,952,330 | 2,770 |
| Average earning assets | $198,346,000 | 2,770 |
| Average equity | $23,508,000 | 2,795 |
| Average total loans | $179,887,330 | 2,357 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6060% | 1,547 |
| Cost of funding earning assets | 1.1295% | 192 |
| Net interest margin | 3.4765% | 3,624 |
| Noninterest income to average assets | 0.1885% | 4,896 |
| Noninterest expense to average assets | 2.7081% | 3,019 |
| Loan and lease loss provision to assets | 0.0000% | 3,508 |
| Net operating income to assets | 0.4919% | 4,714 |
| Return on assets (ROA) | 0.4919% | 4,723 |
| Pretax return on assets | 0.6822% | 4,494 |
| Return on Equity (ROE) | 4.4612% | 4,645 |
| Retained earnings to average equity (ytd only) | 4.4612% | 3,411 |
| Net charge-offs to loans | -0.0158% | 4,439 |
| Credit loss provision to net charge-offs | 0.0000% | 2,201 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 79.8777% | 1,153 |
| Assets per employee ($millions) | 5.5512% | 1,890 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,749 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1707% | 2,973 |
| Loan loss allowance to noncurrent loans | 156.1066% | 2,678 |
| Noncurrent assets plus other real estate owned to assets | 0.8453% | 1,869 |
| Noncurrent loans to loans | 0.7499% | 2,333 |
| Net loans and leases to total assets | 82.2376% | 636 |
| Net loans and leases to deposits | 103.9916% | 477 |
| Net loans and leases to core deposits | 114.4876% | 782 |
| Total domestic deposits to total assets | 79.0810% | 4,566 |
| Equity capital to assets | 10.8316% | 2,744 |
| Core capital (leverage) ratio | 9.6784% | 3,872 |
| Tier 1 risk-based capital ratio | 11.8644% | 4,636 |
| Total risk-based capital ratio | 13.1149% | 4,521 |
| Memoranda: | ||
| Average total assets | $212,251,500 | 2,815 |
| Average earning assets | $195,486,000 | 2,826 |
| Average equity | $23,402,000 | 2,826 |
| Average total loans | $176,725,000 | 2,397 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4592% | 1,848 |
| Cost of funding earning assets | 0.8841% | 410 |
| Net interest margin | 3.5751% | 3,247 |
| Noninterest income to average assets | 0.3894% | 3,707 |
| Noninterest expense to average assets | 2.9076% | 2,430 |
| Loan and lease loss provision to assets | -0.3399% | 5,625 |
| Net operating income to assets | 0.4176% | 4,634 |
| Return on assets (ROA) | 0.4176% | 4,658 |
| Pretax return on assets | 1.0615% | 3,335 |
| Return on Equity (ROE) | 3.6899% | 4,608 |
| Retained earnings to average equity (ytd only) | 2.4027% | 3,891 |
| Net charge-offs to loans | -0.1302% | 5,431 |
| Credit loss provision to net charge-offs | 325.5814% | 882 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 80.1177% | 1,090 |
| Assets per employee ($millions) | 5.3335% | 2,118 |
| Cash dividends to net income (ytd only)* | 34.8837% | 3,091 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2129% | 2,700 |
| Loan loss allowance to noncurrent loans | 439.7490% | 1,232 |
| Noncurrent assets plus other real estate owned to assets | 0.4832% | 2,952 |
| Noncurrent loans to loans | 0.2758% | 3,791 |
| Net loans and leases to total assets | 82.3039% | 640 |
| Net loans and leases to deposits | 106.5029% | 381 |
| Net loans and leases to core deposits | 117.6992% | 661 |
| Total domestic deposits to total assets | 77.2785% | 4,828 |
| Equity capital to assets | 11.2276% | 2,409 |
| Core capital (leverage) ratio | 9.7081% | 3,806 |
| Tier 1 risk-based capital ratio | 11.9735% | 4,547 |
| Total risk-based capital ratio | 13.2291% | 4,429 |
| Memoranda: | ||
| Average total assets | $205,941,400 | 2,863 |
| Average earning assets | $186,623,600 | 2,900 |
| Average equity | $23,307,000 | 2,822 |
| Average total loans | $165,149,200 | 2,477 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3785% | 2,019 |
| Cost of funding earning assets | 0.8631% | 427 |
| Net interest margin | 3.5155% | 3,448 |
| Noninterest income to average assets | 0.3589% | 3,961 |
| Noninterest expense to average assets | 2.9434% | 2,270 |
| Loan and lease loss provision to assets | 0.0000% | 4,088 |
| Net operating income to assets | 0.5880% | 4,430 |
| Return on assets (ROA) | 0.5880% | 4,468 |
| Pretax return on assets | 0.5880% | 4,868 |
| Return on Equity (ROE) | 5.1855% | 4,452 |
| Retained earnings to average equity (ytd only) | 5.1855% | 2,753 |
| Net charge-offs to loans | -0.0441% | 5,127 |
| Credit loss provision to net charge-offs | 0.0000% | 3,274 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.3486% | 811 |
| Assets per employee ($millions) | 5.3804% | 2,036 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5643% | 1,322 |
| Loan loss allowance to noncurrent loans | 128.9551% | 3,087 |
| Noncurrent assets plus other real estate owned to assets | 1.6260% | 904 |
| Noncurrent loans to loans | 1.2130% | 1,563 |
| Net loans and leases to total assets | 79.2005% | 1,095 |
| Net loans and leases to deposits | 102.5155% | 582 |
| Net loans and leases to core deposits | 113.3411% | 874 |
| Total domestic deposits to total assets | 77.2571% | 4,839 |
| Equity capital to assets | 11.3602% | 2,510 |
| Core capital (leverage) ratio | 9.4189% | 4,264 |
| Tier 1 risk-based capital ratio | 11.8243% | 4,750 |
| Total risk-based capital ratio | 13.0870% | 4,610 |
| Memoranda: | ||
| Average total assets | $205,425,250 | 2,891 |
| Average earning assets | $185,384,250 | 2,934 |
| Average equity | $23,295,250 | 2,854 |
| Average total loans | $163,111,750 | 2,515 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3659% | 1,923 |
| Cost of funding earning assets | 0.8337% | 437 |
| Net interest margin | 3.5322% | 3,290 |
| Noninterest income to average assets | 0.2432% | 4,786 |
| Noninterest expense to average assets | 3.0036% | 2,099 |
| Loan and lease loss provision to assets | 0.0000% | 3,871 |
| Net operating income to assets | 0.4177% | 4,940 |
| Return on assets (ROA) | 0.4177% | 4,965 |
| Pretax return on assets | 0.4177% | 5,149 |
| Return on Equity (ROE) | 3.6860% | 4,918 |
| Retained earnings to average equity (ytd only) | 3.6860% | 3,506 |
| Net charge-offs to loans | -0.0608% | 5,253 |
| Credit loss provision to net charge-offs | 0.0000% | 2,905 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.7902% | 560 |
| Assets per employee ($millions) | 5.4918% | 1,877 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6085% | 1,246 |
| Loan loss allowance to noncurrent loans | 126.3057% | 3,119 |
| Noncurrent assets plus other real estate owned to assets | 2.5492% | 417 |
| Noncurrent loans to loans | 1.2735% | 1,519 |
| Net loans and leases to total assets | 77.2634% | 1,355 |
| Net loans and leases to deposits | 100.4817% | 704 |
| Net loans and leases to core deposits | 111.3627% | 933 |
| Total domestic deposits to total assets | 76.8930% | 4,972 |
| Equity capital to assets | 11.2047% | 2,586 |
| Core capital (leverage) ratio | 9.5574% | 4,065 |
| Tier 1 risk-based capital ratio | 11.2005% | 5,139 |
| Total risk-based capital ratio | 12.4628% | 5,027 |
| Memoranda: | ||
| Average total assets | $203,954,670 | 2,925 |
| Average earning assets | $183,513,330 | 2,971 |
| Average equity | $23,114,330 | 2,873 |
| Average total loans | $161,204,670 | 2,540 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3893% | 1,680 |
| Cost of funding earning assets | 0.8063% | 468 |
| Net interest margin | 3.5830% | 2,947 |
| Noninterest income to average assets | 0.2679% | 4,628 |
| Noninterest expense to average assets | 2.9962% | 2,170 |
| Loan and lease loss provision to assets | 0.0000% | 3,537 |
| Net operating income to assets | 0.4901% | 4,639 |
| Return on assets (ROA) | 0.4901% | 4,660 |
| Pretax return on assets | 0.4901% | 4,987 |
| Return on Equity (ROE) | 4.2994% | 4,668 |
| Retained earnings to average equity (ytd only) | 4.2994% | 3,278 |
| Net charge-offs to loans | -0.0325% | 4,967 |
| Credit loss provision to net charge-offs | 0.0000% | 2,277 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 85.9419% | 807 |
| Assets per employee ($millions) | 5.0767% | 2,339 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6380% | 1,284 |
| Loan loss allowance to noncurrent loans | 102.5641% | 3,587 |
| Noncurrent assets plus other real estate owned to assets | 2.9788% | 347 |
| Noncurrent loans to loans | 1.5970% | 1,215 |
| Net loans and leases to total assets | 76.8880% | 1,279 |
| Net loans and leases to deposits | 101.3449% | 529 |
| Net loans and leases to core deposits | 106.3952% | 1,074 |
| Total domestic deposits to total assets | 75.8677% | 5,245 |
| Equity capital to assets | 11.3908% | 2,269 |
| Core capital (leverage) ratio | 9.3910% | 4,237 |
| Tier 1 risk-based capital ratio | 11.9367% | 4,761 |
| Total risk-based capital ratio | 13.2001% | 4,653 |
| Memoranda: | ||
| Average total assets | $201,587,000 | 2,978 |
| Average earning assets | $181,075,500 | 3,017 |
| Average equity | $22,980,000 | 2,895 |
| Average total loans | $159,868,500 | 2,578 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2664% | 2,254 |
| Cost of funding earning assets | 0.7350% | 680 |
| Net interest margin | 3.5314% | 3,310 |
| Noninterest income to average assets | 0.2758% | 4,768 |
| Noninterest expense to average assets | 3.0973% | 2,048 |
| Loan and lease loss provision to assets | -0.2242% | 5,795 |
| Net operating income to assets | 1.8025% | 447 |
| Return on assets (ROA) | 1.8159% | 453 |
| Pretax return on assets | 0.5788% | 4,845 |
| Return on Equity (ROE) | 17.1917% | 387 |
| Retained earnings to average equity (ytd only) | 17.1917% | 70 |
| Net charge-offs to loans | 0.3963% | 666 |
| Credit loss provision to net charge-offs | -74.7423% | 4,855 |
| Earnings coverage of net charge-offs (x) | 1.1375% | 4,035 |
| Efficiency ratio | 90.0765% | 548 |
| Assets per employee ($millions) | 5.1309% | 2,249 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6068% | 1,354 |
| Loan loss allowance to noncurrent loans | 103.4386% | 3,558 |
| Noncurrent assets plus other real estate owned to assets | 3.0499% | 326 |
| Noncurrent loans to loans | 1.5534% | 1,279 |
| Net loans and leases to total assets | 79.1655% | 1,012 |
| Net loans and leases to deposits | 101.6484% | 560 |
| Net loans and leases to core deposits | 110.8278% | 842 |
| Total domestic deposits to total assets | 77.8817% | 4,992 |
| Equity capital to assets | 11.4085% | 2,240 |
| Core capital (leverage) ratio | 9.6419% | 3,918 |
| Tier 1 risk-based capital ratio | 11.5252% | 5,042 |
| Total risk-based capital ratio | 12.7956% | 4,931 |
| Memoranda: | ||
| Average total assets | $194,006,600 | 3,025 |
| Average earning assets | $173,753,200 | 3,070 |
| Average equity | $20,492,400 | 3,119 |
| Average total loans | $146,860,600 | 2,680 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2448% | 2,361 |
| Cost of funding earning assets | 0.7264% | 710 |
| Net interest margin | 3.5184% | 3,402 |
| Noninterest income to average assets | 0.3900% | 3,991 |
| Noninterest expense to average assets | 3.1407% | 1,928 |
| Loan and lease loss provision to assets | -0.0935% | 5,781 |
| Net operating income to assets | 0.4932% | 4,723 |
| Return on assets (ROA) | 0.5112% | 4,756 |
| Pretax return on assets | 0.5112% | 5,097 |
| Return on Equity (ROE) | 4.9426% | 4,540 |
| Retained earnings to average equity (ytd only) | 4.9426% | 2,866 |
| Net charge-offs to loans | -0.0540% | 5,392 |
| Credit loss provision to net charge-offs | 232.7586% | 1,265 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.7106% | 632 |
| Assets per employee ($millions) | 4.5922% | 2,937 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.3616% | 399 |
| Loan loss allowance to noncurrent loans | 134.8757% | 3,004 |
| Noncurrent assets plus other real estate owned to assets | 3.9839% | 214 |
| Noncurrent loans to loans | 1.7509% | 1,187 |
| Net loans and leases to total assets | 77.4487% | 1,292 |
| Net loans and leases to deposits | 95.9513% | 1,054 |
| Net loans and leases to core deposits | 104.5776% | 1,305 |
| Total domestic deposits to total assets | 80.7167% | 4,319 |
| Equity capital to assets | 10.7982% | 3,246 |
| Core capital (leverage) ratio | 9.5265% | 4,141 |
| Tier 1 risk-based capital ratio | 12.3212% | 4,594 |
| Total risk-based capital ratio | 13.5948% | 4,479 |
| Memoranda: | ||
| Average total assets | $192,481,750 | 3,046 |
| Average earning assets | $172,346,000 | 3,097 |
| Average equity | $19,908,250 | 3,201 |
| Average total loans | $143,325,250 | 2,731 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2205% | 2,442 |
| Cost of funding earning assets | 0.7084% | 769 |
| Net interest margin | 3.5121% | 3,444 |
| Noninterest income to average assets | 0.3817% | 4,012 |
| Noninterest expense to average assets | 3.1132% | 2,018 |
| Loan and lease loss provision to assets | -0.1393% | 5,902 |
| Net operating income to assets | 0.5478% | 4,488 |
| Return on assets (ROA) | 0.5478% | 4,600 |
| Pretax return on assets | 0.5478% | 5,032 |
| Return on Equity (ROE) | 5.3725% | 4,348 |
| Retained earnings to average equity (ytd only) | 5.3725% | 2,500 |
| Net charge-offs to loans | -0.0340% | 5,186 |
| Credit loss provision to net charge-offs | 562.5000% | 600 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.4007% | 692 |
| Assets per employee ($millions) | 5.1912% | 2,091 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4730% | 375 |
| Loan loss allowance to noncurrent loans | 126.0101% | 3,227 |
| Noncurrent assets plus other real estate owned to assets | 3.6323% | 284 |
| Noncurrent loans to loans | 1.9626% | 1,017 |
| Net loans and leases to total assets | 64.7200% | 3,262 |
| Net loans and leases to deposits | 76.8180% | 3,291 |
| Net loans and leases to core deposits | 82.4490% | 3,225 |
| Total domestic deposits to total assets | 84.2511% | 3,175 |
| Equity capital to assets | 9.4583% | 4,809 |
| Core capital (leverage) ratio | 9.5098% | 4,195 |
| Tier 1 risk-based capital ratio | 12.7591% | 4,341 |
| Total risk-based capital ratio | 14.0348% | 4,237 |
| Memoranda: | ||
| Average total assets | $193,881,670 | 3,053 |
| Average earning assets | $173,343,330 | 3,106 |
| Average equity | $19,767,330 | 3,226 |
| Average total loans | $141,317,330 | 2,764 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4001% | 1,798 |
| Cost of funding earning assets | 0.7256% | 710 |
| Net interest margin | 3.6745% | 2,783 |
| Noninterest income to average assets | 0.4056% | 3,786 |
| Noninterest expense to average assets | 3.2386% | 1,746 |
| Loan and lease loss provision to assets | 0.0000% | 3,656 |
| Net operating income to assets | 0.4295% | 4,904 |
| Return on assets (ROA) | 0.4295% | 4,982 |
| Pretax return on assets | 0.4295% | 5,244 |
| Return on Equity (ROE) | 4.0438% | 4,878 |
| Retained earnings to average equity (ytd only) | 4.0438% | 3,471 |
| Net charge-offs to loans | 0.2943% | 726 |
| Credit loss provision to net charge-offs | 0.0000% | 2,416 |
| Earnings coverage of net charge-offs (x) | 1.9038% | 2,754 |
| Efficiency ratio | 88.2910% | 789 |
| Assets per employee ($millions) | 4.5187% | 3,035 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5051% | 385 |
| Loan loss allowance to noncurrent loans | 111.6427% | 3,391 |
| Noncurrent assets plus other real estate owned to assets | 4.8806% | 172 |
| Noncurrent loans to loans | 2.2439% | 904 |
| Net loans and leases to total assets | 73.5240% | 1,812 |
| Net loans and leases to deposits | 88.3624% | 1,787 |
| Net loans and leases to core deposits | 96.4067% | 1,757 |
| Total domestic deposits to total assets | 83.2074% | 3,822 |
| Equity capital to assets | 10.6550% | 3,306 |
| Core capital (leverage) ratio | 9.4323% | 4,304 |
| Tier 1 risk-based capital ratio | 12.5362% | 4,549 |
| Total risk-based capital ratio | 13.8116% | 4,453 |
| Memoranda: | ||
| Average total assets | $184,402,500 | 3,152 |
| Average earning assets | $163,724,000 | 3,230 |
| Average equity | $19,585,500 | 3,246 |
| Average total loans | $141,354,500 | 2,757 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4281% | 1,807 |
| Cost of funding earning assets | 0.6959% | 837 |
| Net interest margin | 3.7322% | 2,634 |
| Noninterest income to average assets | 0.3082% | 4,682 |
| Noninterest expense to average assets | 3.1874% | 1,994 |
| Loan and lease loss provision to assets | -0.1964% | 5,982 |
| Net operating income to assets | 1.4402% | 965 |
| Return on assets (ROA) | 1.4518% | 973 |
| Pretax return on assets | 0.6197% | 4,780 |
| Return on Equity (ROE) | 20.6878% | 216 |
| Retained earnings to average equity (ytd only) | 20.6878% | 59 |
| Net charge-offs to loans | -0.1653% | 5,921 |
| Credit loss provision to net charge-offs | 156.3877% | 1,711 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 88.5626% | 798 |
| Assets per employee ($millions) | 4.5885% | 2,899 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5204% | 387 |
| Loan loss allowance to noncurrent loans | 71.0008% | 4,360 |
| Noncurrent assets plus other real estate owned to assets | 6.5071% | 120 |
| Noncurrent loans to loans | 3.5498% | 383 |
| Net loans and leases to total assets | 75.9457% | 1,430 |
| Net loans and leases to deposits | 96.6825% | 939 |
| Net loans and leases to core deposits | 105.5249% | 1,129 |
| Total domestic deposits to total assets | 78.5517% | 5,059 |
| Equity capital to assets | 10.5869% | 3,266 |
| Core capital (leverage) ratio | 9.4794% | 4,207 |
| Tier 1 risk-based capital ratio | 12.3389% | 4,739 |
| Total risk-based capital ratio | 13.6059% | 4,622 |
| Memoranda: | ||
| Average total assets | $180,743,800 | 3,156 |
| Average earning assets | $159,369,800 | 3,261 |
| Average equity | $12,683,800 | 4,193 |
| Average total loans | $137,332,800 | 2,760 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4086% | 1,898 |
| Cost of funding earning assets | 0.7053% | 814 |
| Net interest margin | 3.7032% | 2,756 |
| Noninterest income to average assets | 0.5984% | 2,749 |
| Noninterest expense to average assets | 3.3598% | 1,560 |
| Loan and lease loss provision to assets | 0.0000% | 4,232 |
| Net operating income to assets | 0.5006% | 4,785 |
| Return on assets (ROA) | 0.5162% | 4,821 |
| Pretax return on assets | 0.5162% | 5,181 |
| Return on Equity (ROE) | 8.4506% | 2,845 |
| Retained earnings to average equity (ytd only) | 8.4506% | 1,072 |
| Net charge-offs to loans | -0.1079% | 5,812 |
| Credit loss provision to net charge-offs | 0.0000% | 3,517 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 87.0324% | 935 |
| Assets per employee ($millions) | 4.2495% | 3,424 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8130% | 295 |
| Loan loss allowance to noncurrent loans | 90.2938% | 3,892 |
| Noncurrent assets plus other real estate owned to assets | 6.4244% | 128 |
| Noncurrent loans to loans | 3.1154% | 549 |
| Net loans and leases to total assets | 74.3715% | 1,663 |
| Net loans and leases to deposits | 90.1905% | 1,618 |
| Net loans and leases to core deposits | 94.7282% | 2,008 |
| Total domestic deposits to total assets | 82.4605% | 4,001 |
| Equity capital to assets | 6.3263% | 6,188 |
| Core capital (leverage) ratio | 5.8363% | 6,207 |
| Tier 1 risk-based capital ratio | 7.8564% | 6,220 |
| Total risk-based capital ratio | 9.1274% | 6,220 |
| Memoranda: | ||
| Average total assets | $180,045,000 | 3,188 |
| Average earning assets | $158,595,750 | 3,299 |
| Average equity | $10,997,000 | 4,532 |
| Average total loans | $135,917,500 | 2,800 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4192% | 1,789 |
| Cost of funding earning assets | 0.7126% | 793 |
| Net interest margin | 3.7067% | 2,679 |
| Noninterest income to average assets | 0.7144% | 2,157 |
| Noninterest expense to average assets | 3.3206% | 1,643 |
| Loan and lease loss provision to assets | 0.0000% | 4,069 |
| Net operating income to assets | 0.6491% | 4,124 |
| Return on assets (ROA) | 0.6723% | 4,127 |
| Pretax return on assets | 0.6723% | 4,745 |
| Return on Equity (ROE) | 11.1386% | 1,634 |
| Retained earnings to average equity (ytd only) | 11.1386% | 487 |
| Net charge-offs to loans | -0.1474% | 5,925 |
| Credit loss provision to net charge-offs | 0.0000% | 3,158 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 83.6496% | 1,303 |
| Assets per employee ($millions) | 4.2604% | 3,372 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8146% | 330 |
| Loan loss allowance to noncurrent loans | 91.5870% | 3,922 |
| Noncurrent assets plus other real estate owned to assets | 6.8321% | 132 |
| Noncurrent loans to loans | 3.0731% | 638 |
| Net loans and leases to total assets | 73.9466% | 1,673 |
| Net loans and leases to deposits | 88.3917% | 1,784 |
| Net loans and leases to core deposits | 92.5883% | 2,103 |
| Total domestic deposits to total assets | 83.6578% | 3,711 |
| Equity capital to assets | 6.2195% | 6,260 |
| Core capital (leverage) ratio | 5.6614% | 6,281 |
| Tier 1 risk-based capital ratio | 7.7357% | 6,292 |
| Total risk-based capital ratio | 9.0065% | 6,291 |
| Memoranda: | ||
| Average total assets | $180,567,670 | 3,209 |
| Average earning assets | $158,579,330 | 3,316 |
| Average equity | $10,899,000 | 4,580 |
| Average total loans | $135,697,330 | 2,817 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4093% | 1,733 |
| Cost of funding earning assets | 0.7047% | 837 |
| Net interest margin | 3.7046% | 2,602 |
| Noninterest income to average assets | 0.8380% | 1,579 |
| Noninterest expense to average assets | 3.1712% | 2,059 |
| Loan and lease loss provision to assets | 0.0000% | 3,703 |
| Net operating income to assets | 0.9130% | 2,685 |
| Return on assets (ROA) | 0.9593% | 2,587 |
| Pretax return on assets | 0.9593% | 3,653 |
| Return on Equity (ROE) | 16.1350% | 554 |
| Retained earnings to average equity (ytd only) | 16.1350% | 214 |
| Net charge-offs to loans | -0.1653% | 6,006 |
| Credit loss provision to net charge-offs | 0.0000% | 2,491 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 77.6458% | 2,238 |
| Assets per employee ($millions) | 4.4524% | 3,127 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.7429% | 388 |
| Loan loss allowance to noncurrent loans | 63.5570% | 4,622 |
| Noncurrent assets plus other real estate owned to assets | 7.9436% | 103 |
| Noncurrent loans to loans | 4.3157% | 373 |
| Net loans and leases to total assets | 73.5764% | 1,562 |
| Net loans and leases to deposits | 85.7956% | 1,853 |
| Net loans and leases to core deposits | 90.0372% | 2,127 |
| Total domestic deposits to total assets | 85.7578% | 3,062 |
| Equity capital to assets | 6.0554% | 6,333 |
| Core capital (leverage) ratio | 5.5235% | 6,347 |
| Tier 1 risk-based capital ratio | 7.3412% | 6,366 |
| Total risk-based capital ratio | 8.6083% | 6,365 |
| Memoranda: | ||
| Average total assets | $181,383,500 | 3,220 |
| Average earning assets | $158,938,500 | 3,337 |
| Average equity | $10,784,000 | 4,646 |
| Average total loans | $135,471,500 | 2,820 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3730% | 2,308 |
| Cost of funding earning assets | 0.7380% | 908 |
| Net interest margin | 3.6351% | 3,270 |
| Noninterest income to average assets | 0.3897% | 4,265 |
| Noninterest expense to average assets | 3.1323% | 2,412 |
| Loan and lease loss provision to assets | 0.0000% | 4,603 |
| Net operating income to assets | 0.9405% | 2,671 |
| Return on assets (ROA) | 0.9405% | 2,766 |
| Pretax return on assets | 0.4305% | 5,420 |
| Return on Equity (ROE) | 18.8639% | 325 |
| Retained earnings to average equity (ytd only) | 18.8639% | 75 |
| Net charge-offs to loans | 1.6103% | 143 |
| Credit loss provision to net charge-offs | 0.0000% | 4,203 |
| Earnings coverage of net charge-offs (x) | 0.3722% | 4,653 |
| Efficiency ratio | 87.9162% | 1,002 |
| Assets per employee ($millions) | 4.5055% | 3,031 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.8094% | 369 |
| Loan loss allowance to noncurrent loans | 58.9387% | 4,835 |
| Noncurrent assets plus other real estate owned to assets | 9.0185% | 98 |
| Noncurrent loans to loans | 4.7666% | 327 |
| Net loans and leases to total assets | 71.6410% | 1,964 |
| Net loans and leases to deposits | 84.5725% | 2,152 |
| Net loans and leases to core deposits | 89.0162% | 2,380 |
| Total domestic deposits to total assets | 84.7096% | 3,413 |
| Equity capital to assets | 5.8557% | 6,421 |
| Core capital (leverage) ratio | 5.7500% | 6,425 |
| Tier 1 risk-based capital ratio | 8.0113% | 6,443 |
| Total risk-based capital ratio | 9.2795% | 6,443 |
| Memoranda: | ||
| Average total assets | $186,285,800 | 3,146 |
| Average earning assets | $162,609,800 | 3,244 |
| Average equity | $9,287,600 | 4,904 |
| Average total loans | $133,827,800 | 2,794 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3318% | 2,493 |
| Cost of funding earning assets | 0.7443% | 918 |
| Net interest margin | 3.5875% | 3,479 |
| Noninterest income to average assets | 0.3891% | 4,329 |
| Noninterest expense to average assets | 3.0755% | 2,542 |
| Loan and lease loss provision to assets | 0.0000% | 4,401 |
| Net operating income to assets | 0.4480% | 5,078 |
| Return on assets (ROA) | 0.4480% | 5,158 |
| Pretax return on assets | 0.4480% | 5,472 |
| Return on Equity (ROE) | 9.3778% | 2,511 |
| Retained earnings to average equity (ytd only) | 9.3778% | 879 |
| Net charge-offs to loans | 1.5613% | 150 |
| Credit loss provision to net charge-offs | 0.0000% | 3,801 |
| Earnings coverage of net charge-offs (x) | 0.4019% | 4,395 |
| Efficiency ratio | 87.2859% | 1,071 |
| Assets per employee ($millions) | 4.8000% | 2,514 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2158% | 285 |
| Loan loss allowance to noncurrent loans | 56.8700% | 4,888 |
| Noncurrent assets plus other real estate owned to assets | 9.4734% | 102 |
| Noncurrent loans to loans | 5.6547% | 273 |
| Net loans and leases to total assets | 67.6689% | 2,590 |
| Net loans and leases to deposits | 79.9116% | 2,702 |
| Net loans and leases to core deposits | 83.9575% | 2,886 |
| Total domestic deposits to total assets | 84.6798% | 3,465 |
| Equity capital to assets | 4.8833% | 6,529 |
| Core capital (leverage) ratio | 5.1949% | 6,522 |
| Tier 1 risk-based capital ratio | 7.0759% | 6,534 |
| Total risk-based capital ratio | 8.3512% | 6,533 |
| Memoranda: | ||
| Average total assets | $187,802,750 | 3,155 |
| Average earning assets | $164,085,000 | 3,261 |
| Average equity | $8,971,250 | 5,016 |
| Average total loans | $134,074,250 | 2,805 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3889% | 2,211 |
| Cost of funding earning assets | 0.7688% | 841 |
| Net interest margin | 3.6201% | 3,281 |
| Noninterest income to average assets | 0.3412% | 4,690 |
| Noninterest expense to average assets | 3.1759% | 2,263 |
| Loan and lease loss provision to assets | 0.0000% | 4,196 |
| Net operating income to assets | 0.3230% | 5,484 |
| Return on assets (ROA) | 0.3230% | 5,561 |
| Pretax return on assets | 0.3230% | 5,740 |
| Return on Equity (ROE) | 6.8128% | 3,713 |
| Retained earnings to average equity (ytd only) | 6.8128% | 1,862 |
| Net charge-offs to loans | 2.2937% | 89 |
| Credit loss provision to net charge-offs | 0.0000% | 3,401 |
| Earnings coverage of net charge-offs (x) | 0.1958% | 4,095 |
| Efficiency ratio | 90.7697% | 850 |
| Assets per employee ($millions) | 4.6205% | 2,740 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.3761% | 262 |
| Loan loss allowance to noncurrent loans | 53.8100% | 5,017 |
| Noncurrent assets plus other real estate owned to assets | 10.2111% | 96 |
| Noncurrent loans to loans | 6.2742% | 240 |
| Net loans and leases to total assets | 67.3609% | 2,522 |
| Net loans and leases to deposits | 79.9726% | 2,520 |
| Net loans and leases to core deposits | 85.2116% | 2,588 |
| Total domestic deposits to total assets | 84.2299% | 3,844 |
| Equity capital to assets | 4.9129% | 6,589 |
| Core capital (leverage) ratio | 4.9900% | 6,586 |
| Tier 1 risk-based capital ratio | 6.9419% | 6,599 |
| Total risk-based capital ratio | 8.2172% | 6,599 |
| Memoranda: | ||
| Average total assets | $186,403,330 | 3,190 |
| Average earning assets | $162,592,670 | 3,287 |
| Average equity | $8,836,330 | 5,075 |
| Average total loans | $134,018,330 | 2,810 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5572% | 1,618 |
| Cost of funding earning assets | 0.7790% | 838 |
| Net interest margin | 3.7782% | 2,562 |
| Noninterest income to average assets | 0.2992% | 4,967 |
| Noninterest expense to average assets | 3.2437% | 2,095 |
| Loan and lease loss provision to assets | 0.0000% | 3,817 |
| Net operating income to assets | 0.3718% | 5,223 |
| Return on assets (ROA) | 0.3718% | 5,290 |
| Pretax return on assets | 0.3718% | 5,534 |
| Return on Equity (ROE) | 7.9867% | 2,935 |
| Retained earnings to average equity (ytd only) | 7.9867% | 1,597 |
| Net charge-offs to loans | 3.7539% | 42 |
| Credit loss provision to net charge-offs | 0.0000% | 2,688 |
| Earnings coverage of net charge-offs (x) | 0.1357% | 3,412 |
| Efficiency ratio | 89.7163% | 1,063 |
| Assets per employee ($millions) | 4.6957% | 2,666 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.4446% | 279 |
| Loan loss allowance to noncurrent loans | 47.5379% | 5,292 |
| Noncurrent assets plus other real estate owned to assets | 10.5720% | 104 |
| Noncurrent loans to loans | 7.2461% | 206 |
| Net loans and leases to total assets | 68.7237% | 2,106 |
| Net loans and leases to deposits | 80.7367% | 2,198 |
| Net loans and leases to core deposits | 87.6820% | 2,131 |
| Total domestic deposits to total assets | 85.1208% | 3,814 |
| Equity capital to assets | 4.7214% | 6,650 |
| Core capital (leverage) ratio | 4.8769% | 6,649 |
| Tier 1 risk-based capital ratio | 6.7162% | 6,663 |
| Total risk-based capital ratio | 7.9933% | 6,664 |
| Memoranda: | ||
| Average total assets | $187,196,000 | 3,205 |
| Average earning assets | $164,313,000 | 3,290 |
| Average equity | $8,714,500 | 5,127 |
| Average total loans | $136,605,000 | 2,784 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3188% | 2,885 |
| Cost of funding earning assets | 0.8654% | 882 |
| Net interest margin | 3.4534% | 4,082 |
| Noninterest income to average assets | 0.3287% | 4,987 |
| Noninterest expense to average assets | 3.1600% | 2,548 |
| Loan and lease loss provision to assets | 0.0000% | 5,091 |
| Net operating income to assets | 0.1926% | 5,840 |
| Return on assets (ROA) | 0.2059% | 5,878 |
| Pretax return on assets | 0.2059% | 5,925 |
| Return on Equity (ROE) | 4.7418% | 4,753 |
| Retained earnings to average equity (ytd only) | 4.7418% | 2,783 |
| Net charge-offs to loans | 2.1859% | 155 |
| Credit loss provision to net charge-offs | 0.0000% | 4,707 |
| Earnings coverage of net charge-offs (x) | 0.1203% | 5,043 |
| Efficiency ratio | 94.2544% | 733 |
| Assets per employee ($millions) | 4.6642% | 2,631 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.2193% | 175 |
| Loan loss allowance to noncurrent loans | 35.1988% | 5,781 |
| Noncurrent assets plus other real estate owned to assets | 13.0806% | 64 |
| Noncurrent loans to loans | 11.9872% | 73 |
| Net loans and leases to total assets | 71.6299% | 1,749 |
| Net loans and leases to deposits | 83.0219% | 2,052 |
| Net loans and leases to core deposits | 89.6532% | 2,062 |
| Total domestic deposits to total assets | 86.2783% | 3,122 |
| Equity capital to assets | 4.5887% | 6,716 |
| Core capital (leverage) ratio | 4.7008% | 6,727 |
| Tier 1 risk-based capital ratio | 6.4984% | 6,746 |
| Total risk-based capital ratio | 7.7851% | 6,746 |
| Memoranda: | ||
| Average total assets | $196,234,400 | 3,070 |
| Average earning assets | $171,831,600 | 3,195 |
| Average equity | $8,520,000 | 5,207 |
| Average total loans | $143,741,200 | 2,642 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3367% | 2,845 |
| Cost of funding earning assets | 0.8829% | 895 |
| Net interest margin | 3.4539% | 4,079 |
| Noninterest income to average assets | 0.3785% | 4,686 |
| Noninterest expense to average assets | 3.2122% | 2,329 |
| Loan and lease loss provision to assets | 0.1678% | 2,162 |
| Net operating income to assets | 0.0154% | 6,276 |
| Return on assets (ROA) | 0.0329% | 6,303 |
| Pretax return on assets | 0.0329% | 6,282 |
| Return on Equity (ROE) | 0.7677% | 6,219 |
| Retained earnings to average equity (ytd only) | 0.7677% | 5,669 |
| Net charge-offs to loans | 1.3877% | 371 |
| Credit loss provision to net charge-offs | 16.5893% | 4,122 |
| Earnings coverage of net charge-offs (x) | 0.1812% | 4,803 |
| Efficiency ratio | 94.6037% | 703 |
| Assets per employee ($millions) | 5.0248% | 2,132 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.4720% | 82 |
| Loan loss allowance to noncurrent loans | 39.6066% | 5,642 |
| Noncurrent assets plus other real estate owned to assets | 15.2099% | 50 |
| Noncurrent loans to loans | 13.8160% | 55 |
| Net loans and leases to total assets | 70.3144% | 1,910 |
| Net loans and leases to deposits | 79.6487% | 2,460 |
| Net loans and leases to core deposits | 87.4332% | 2,235 |
| Total domestic deposits to total assets | 88.2807% | 1,949 |
| Equity capital to assets | 4.3469% | 6,806 |
| Core capital (leverage) ratio | 4.4786% | 6,805 |
| Tier 1 risk-based capital ratio | 6.1493% | 6,822 |
| Total risk-based capital ratio | 7.4532% | 6,821 |
| Memoranda: | ||
| Average total assets | $198,651,500 | 3,075 |
| Average earning assets | $173,521,000 | 3,195 |
| Average equity | $8,509,750 | 5,268 |
| Average total loans | $144,795,500 | 2,650 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3749% | 2,658 |
| Cost of funding earning assets | 0.9057% | 872 |
| Net interest margin | 3.4692% | 3,930 |
| Noninterest income to average assets | 0.5218% | 3,688 |
| Noninterest expense to average assets | 3.2402% | 2,235 |
| Loan and lease loss provision to assets | 0.2067% | 1,827 |
| Net operating income to assets | 0.1054% | 6,120 |
| Return on assets (ROA) | 0.1312% | 6,166 |
| Pretax return on assets | 0.1312% | 6,186 |
| Return on Equity (ROE) | 3.0770% | 5,594 |
| Retained earnings to average equity (ytd only) | 3.0770% | 4,364 |
| Net charge-offs to loans | 2.0780% | 214 |
| Credit loss provision to net charge-offs | 13.7384% | 3,841 |
| Earnings coverage of net charge-offs (x) | 0.2074% | 4,482 |
| Efficiency ratio | 91.2143% | 964 |
| Assets per employee ($millions) | 5.0076% | 2,107 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.3935% | 93 |
| Loan loss allowance to noncurrent loans | 40.4769% | 5,605 |
| Noncurrent assets plus other real estate owned to assets | 14.8901% | 61 |
| Noncurrent loans to loans | 13.3249% | 73 |
| Net loans and leases to total assets | 69.3648% | 2,005 |
| Net loans and leases to deposits | 78.4303% | 2,521 |
| Net loans and leases to core deposits | 88.9008% | 2,014 |
| Total domestic deposits to total assets | 88.4413% | 1,954 |
| Equity capital to assets | 4.3513% | 6,855 |
| Core capital (leverage) ratio | 4.3222% | 6,860 |
| Tier 1 risk-based capital ratio | 6.0242% | 6,870 |
| Total risk-based capital ratio | 7.3255% | 6,871 |
| Memoranda: | ||
| Average total assets | $201,221,670 | 3,059 |
| Average earning assets | $175,776,000 | 3,178 |
| Average equity | $8,579,670 | 5,279 |
| Average total loans | $145,717,000 | 2,634 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3292% | 2,767 |
| Cost of funding earning assets | 0.8918% | 1,029 |
| Net interest margin | 3.4374% | 3,973 |
| Noninterest income to average assets | 0.4839% | 3,892 |
| Noninterest expense to average assets | 3.2716% | 2,158 |
| Loan and lease loss provision to assets | 0.1626% | 2,236 |
| Net operating income to assets | 0.0627% | 6,222 |
| Return on assets (ROA) | 0.0627% | 6,308 |
| Pretax return on assets | 0.0627% | 6,316 |
| Return on Equity (ROE) | 1.4848% | 6,094 |
| Retained earnings to average equity (ytd only) | 1.4848% | 5,248 |
| Net charge-offs to loans | 3.9543% | 69 |
| Credit loss provision to net charge-offs | 5.7123% | 3,189 |
| Earnings coverage of net charge-offs (x) | 0.0791% | 3,794 |
| Efficiency ratio | 93.5574% | 865 |
| Assets per employee ($millions) | 5.0586% | 2,141 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 5.2848% | 113 |
| Loan loss allowance to noncurrent loans | 53.4436% | 5,013 |
| Noncurrent assets plus other real estate owned to assets | 12.1033% | 127 |
| Noncurrent loans to loans | 9.8886% | 214 |
| Net loans and leases to total assets | 67.8381% | 2,042 |
| Net loans and leases to deposits | 76.4354% | 2,562 |
| Net loans and leases to core deposits | 88.8447% | 1,823 |
| Total domestic deposits to total assets | 88.7522% | 1,828 |
| Equity capital to assets | 4.2581% | 6,928 |
| Core capital (leverage) ratio | 4.2999% | 6,918 |
| Tier 1 risk-based capital ratio | 5.8554% | 6,933 |
| Total risk-based capital ratio | 7.1515% | 6,932 |
| Memoranda: | ||
| Average total assets | $204,183,500 | 3,048 |
| Average earning assets | $178,970,000 | 3,161 |
| Average equity | $8,620,500 | 5,325 |
| Average total loans | $146,980,000 | 2,630 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7252% | 2,492 |
| Cost of funding earning assets | 1.1210% | 839 |
| Net interest margin | 3.6042% | 4,063 |
| Noninterest income to average assets | 0.5174% | 3,788 |
| Noninterest expense to average assets | 3.6588% | 1,487 |
| Loan and lease loss provision to assets | 2.3770% | 68 |
| Net operating income to assets | -2.3366% | 6,963 |
| Return on assets (ROA) | -2.2247% | 6,957 |
| Pretax return on assets | -2.2186% | 6,953 |
| Return on Equity (ROE) | -40.6297% | 6,997 |
| Retained earnings to average equity (ytd only) | -40.6297% | 6,987 |
| Net charge-offs to loans | 2.7984% | 200 |
| Credit loss provision to net charge-offs | 113.0300% | 2,573 |
| Earnings coverage of net charge-offs (x) | 0.0221% | 5,472 |
| Efficiency ratio | 98.7466% | 603 |
| Assets per employee ($millions) | 4.3835% | 3,186 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 6.0583% | 66 |
| Loan loss allowance to noncurrent loans | 57.8968% | 4,753 |
| Noncurrent assets plus other real estate owned to assets | 12.0597% | 140 |
| Noncurrent loans to loans | 10.4639% | 208 |
| Net loans and leases to total assets | 67.9563% | 2,187 |
| Net loans and leases to deposits | 76.4297% | 2,728 |
| Net loans and leases to core deposits | 89.0347% | 1,962 |
| Total domestic deposits to total assets | 88.9135% | 1,624 |
| Equity capital to assets | 4.1864% | 6,993 |
| Core capital (leverage) ratio | 3.9739% | 6,993 |
| Tier 1 risk-based capital ratio | 5.7441% | 6,998 |
| Total risk-based capital ratio | 7.0547% | 7,000 |
| Memoranda: | ||
| Average total assets | $215,314,400 | 2,881 |
| Average earning assets | $190,447,000 | 2,951 |
| Average equity | $11,789,400 | 4,612 |
| Average total loans | $161,809,000 | 2,403 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6762% | 2,908 |
| Cost of funding earning assets | 1.1549% | 847 |
| Net interest margin | 3.5213% | 4,559 |
| Noninterest income to average assets | 0.5189% | 3,807 |
| Noninterest expense to average assets | 3.6231% | 1,517 |
| Loan and lease loss provision to assets | 1.3619% | 253 |
| Net operating income to assets | -1.3429% | 6,933 |
| Return on assets (ROA) | -1.2142% | 6,932 |
| Pretax return on assets | -1.2142% | 6,915 |
| Return on Equity (ROE) | -21.0055% | 7,002 |
| Retained earnings to average equity (ytd only) | -21.0055% | 6,987 |
| Net charge-offs to loans | 3.0625% | 176 |
| Credit loss provision to net charge-offs | 58.6544% | 4,186 |
| Earnings coverage of net charge-offs (x) | 0.0082% | 5,330 |
| Efficiency ratio | 99.4786% | 556 |
| Assets per employee ($millions) | 4.6431% | 2,685 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.4697% | 213 |
| Loan loss allowance to noncurrent loans | 34.1976% | 5,930 |
| Noncurrent assets plus other real estate owned to assets | 14.0203% | 108 |
| Noncurrent loans to loans | 13.0703% | 134 |
| Net loans and leases to total assets | 68.7662% | 2,162 |
| Net loans and leases to deposits | 78.1726% | 2,638 |
| Net loans and leases to core deposits | 94.4977% | 1,532 |
| Total domestic deposits to total assets | 87.9672% | 2,060 |
| Equity capital to assets | 5.3726% | 7,029 |
| Core capital (leverage) ratio | 5.3231% | 6,996 |
| Tier 1 risk-based capital ratio | 7.2716% | 7,032 |
| Total risk-based capital ratio | 8.5612% | 7,032 |
| Memoranda: | ||
| Average total assets | $217,636,750 | 2,884 |
| Average earning assets | $193,029,500 | 2,952 |
| Average equity | $12,580,500 | 4,484 |
| Average total loans | $165,002,250 | 2,389 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6598% | 3,096 |
| Cost of funding earning assets | 1.2122% | 776 |
| Net interest margin | 3.4476% | 4,891 |
| Noninterest income to average assets | 0.4822% | 4,041 |
| Noninterest expense to average assets | 3.5874% | 1,610 |
| Loan and lease loss provision to assets | 1.3535% | 288 |
| Net operating income to assets | -1.3937% | 6,999 |
| Return on assets (ROA) | -1.3937% | 7,014 |
| Pretax return on assets | -1.3937% | 6,987 |
| Return on Equity (ROE) | -23.5694% | 7,063 |
| Retained earnings to average equity (ytd only) | -23.5694% | 7,047 |
| Net charge-offs to loans | 3.1229% | 180 |
| Credit loss provision to net charge-offs | 56.2429% | 3,897 |
| Earnings coverage of net charge-offs (x) | -0.0167% | 5,093 |
| Efficiency ratio | 101.1329% | 522 |
| Assets per employee ($millions) | 4.5221% | 2,861 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.5920% | 216 |
| Loan loss allowance to noncurrent loans | 45.6488% | 5,351 |
| Noncurrent assets plus other real estate owned to assets | 12.0791% | 178 |
| Noncurrent loans to loans | 10.0594% | 264 |
| Net loans and leases to total assets | 71.2248% | 1,692 |
| Net loans and leases to deposits | 81.3230% | 2,190 |
| Net loans and leases to core deposits | 99.4776% | 1,135 |
| Total domestic deposits to total assets | 87.5826% | 2,410 |
| Equity capital to assets | 5.6860% | 7,049 |
| Core capital (leverage) ratio | 5.5295% | 7,026 |
| Tier 1 risk-based capital ratio | 7.3910% | 7,069 |
| Total risk-based capital ratio | 8.6826% | 7,070 |
| Memoranda: | ||
| Average total assets | $218,988,000 | 2,880 |
| Average earning assets | $194,688,000 | 2,943 |
| Average equity | $12,949,000 | 4,402 |
| Average total loans | $168,754,670 | 2,362 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7523% | 2,840 |
| Cost of funding earning assets | 1.3129% | 600 |
| Net interest margin | 3.4394% | 4,962 |
| Noninterest income to average assets | 0.5130% | 3,827 |
| Noninterest expense to average assets | 3.4958% | 1,773 |
| Loan and lease loss provision to assets | 0.7020% | 744 |
| Net operating income to assets | -0.6102% | 6,876 |
| Return on assets (ROA) | -0.6102% | 6,901 |
| Pretax return on assets | -0.6102% | 6,867 |
| Return on Equity (ROE) | -10.1338% | 6,989 |
| Retained earnings to average equity (ytd only) | -10.1338% | 6,841 |
| Net charge-offs to loans | 5.1761% | 87 |
| Credit loss provision to net charge-offs | 17.3410% | 3,815 |
| Earnings coverage of net charge-offs (x) | 0.0227% | 4,357 |
| Efficiency ratio | 97.4410% | 662 |
| Assets per employee ($millions) | 4.3785% | 3,238 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.8401% | 421 |
| Loan loss allowance to noncurrent loans | 50.1716% | 5,069 |
| Noncurrent assets plus other real estate owned to assets | 9.3999% | 347 |
| Noncurrent loans to loans | 7.6540% | 534 |
| Net loans and leases to total assets | 75.2616% | 887 |
| Net loans and leases to deposits | 86.0605% | 1,413 |
| Net loans and leases to core deposits | 105.4522% | 696 |
| Total domestic deposits to total assets | 87.4520% | 2,689 |
| Equity capital to assets | 6.0550% | 7,070 |
| Core capital (leverage) ratio | 5.9435% | 7,046 |
| Tier 1 risk-based capital ratio | 7.7264% | 7,097 |
| Total risk-based capital ratio | 9.0100% | 7,098 |
| Memoranda: | ||
| Average total assets | $222,211,500 | 2,860 |
| Average earning assets | $198,641,500 | 2,914 |
| Average equity | $13,381,000 | 4,332 |
| Average total loans | $173,798,000 | 2,325 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0700% | 2,567 |
| Cost of funding earning assets | 1.4157% | 968 |
| Net interest margin | 3.6544% | 4,498 |
| Noninterest income to average assets | 0.3497% | 5,009 |
| Noninterest expense to average assets | 3.5852% | 1,772 |
| Loan and lease loss provision to assets | 2.5483% | 171 |
| Net operating income to assets | -2.9067% | 7,167 |
| Return on assets (ROA) | -2.8052% | 7,159 |
| Pretax return on assets | -2.3739% | 7,099 |
| Return on Equity (ROE) | -36.2753% | 7,141 |
| Retained earnings to average equity (ytd only) | -36.2753% | 7,136 |
| Net charge-offs to loans | 1.8169% | 807 |
| Credit loss provision to net charge-offs | 175.7680% | 1,495 |
| Earnings coverage of net charge-offs (x) | 0.0502% | 5,784 |
| Efficiency ratio | 98.0086% | 725 |
| Assets per employee ($millions) | 4.7978% | 2,453 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 4.7881% | 201 |
| Loan loss allowance to noncurrent loans | 57.7420% | 4,623 |
| Noncurrent assets plus other real estate owned to assets | 9.4552% | 363 |
| Noncurrent loans to loans | 8.2923% | 471 |
| Net loans and leases to total assets | 74.4177% | 1,195 |
| Net loans and leases to deposits | 84.8266% | 1,829 |
| Net loans and leases to core deposits | 102.3375% | 1,001 |
| Total domestic deposits to total assets | 87.7293% | 2,319 |
| Equity capital to assets | 5.9895% | 7,095 |
| Core capital (leverage) ratio | 5.5513% | 7,095 |
| Tier 1 risk-based capital ratio | 7.8310% | 7,117 |
| Total risk-based capital ratio | 9.1278% | 7,117 |
| Memoranda: | ||
| Average total assets | $240,236,400 | 2,634 |
| Average earning assets | $217,493,600 | 2,642 |
| Average equity | $18,577,400 | 3,347 |
| Average total loans | $191,705,400 | 2,113 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0740% | 2,738 |
| Cost of funding earning assets | 1.4135% | 1,172 |
| Net interest margin | 3.6605% | 4,526 |
| Noninterest income to average assets | 0.3230% | 5,285 |
| Noninterest expense to average assets | 3.0353% | 3,419 |
| Loan and lease loss provision to assets | 0.9079% | 982 |
| Net operating income to assets | -0.3176% | 6,515 |
| Return on assets (ROA) | -0.1842% | 6,447 |
| Pretax return on assets | -0.1645% | 6,383 |
| Return on Equity (ROE) | -2.2641% | 6,502 |
| Retained earnings to average equity (ytd only) | -2.2641% | 6,329 |
| Net charge-offs to loans | 1.2258% | 1,272 |
| Credit loss provision to net charge-offs | 92.3804% | 3,692 |
| Earnings coverage of net charge-offs (x) | 0.6207% | 5,164 |
| Efficiency ratio | 83.2659% | 1,821 |
| Assets per employee ($millions) | 4.8656% | 2,378 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.1000% | 800 |
| Loan loss allowance to noncurrent loans | 32.7549% | 6,097 |
| Noncurrent assets plus other real estate owned to assets | 10.1462% | 347 |
| Noncurrent loans to loans | 9.4643% | 391 |
| Net loans and leases to total assets | 74.2453% | 1,295 |
| Net loans and leases to deposits | 86.5504% | 1,617 |
| Net loans and leases to core deposits | 104.3887% | 957 |
| Total domestic deposits to total assets | 85.7828% | 3,338 |
| Equity capital to assets | 8.3174% | 6,466 |
| Core capital (leverage) ratio | 7.8075% | 6,557 |
| Tier 1 risk-based capital ratio | 10.5129% | 6,771 |
| Total risk-based capital ratio | 11.7862% | 6,749 |
| Memoranda: | ||
| Average total assets | $243,921,500 | 2,595 |
| Average earning assets | $221,384,750 | 2,614 |
| Average equity | $19,845,250 | 3,172 |
| Average total loans | $195,569,750 | 2,100 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1140% | 2,615 |
| Cost of funding earning assets | 1.4237% | 1,311 |
| Net interest margin | 3.6903% | 4,307 |
| Noninterest income to average assets | 0.3149% | 5,376 |
| Noninterest expense to average assets | 3.0176% | 3,566 |
| Loan and lease loss provision to assets | 0.7349% | 1,268 |
| Net operating income to assets | -0.0773% | 6,323 |
| Return on assets (ROA) | 0.0065% | 6,291 |
| Pretax return on assets | 0.0065% | 6,260 |
| Return on Equity (ROE) | 0.0806% | 6,285 |
| Retained earnings to average equity (ytd only) | 0.0806% | 5,802 |
| Net charge-offs to loans | 0.2822% | 3,469 |
| Credit loss provision to net charge-offs | 320.2128% | 948 |
| Earnings coverage of net charge-offs (x) | 2.8652% | 3,408 |
| Efficiency ratio | 82.1081% | 2,087 |
| Assets per employee ($millions) | 5.0098% | 2,109 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.2230% | 744 |
| Loan loss allowance to noncurrent loans | 41.0997% | 5,573 |
| Noncurrent assets plus other real estate owned to assets | 7.9005% | 593 |
| Noncurrent loans to loans | 7.8420% | 590 |
| Net loans and leases to total assets | 76.9693% | 921 |
| Net loans and leases to deposits | 89.0911% | 1,367 |
| Net loans and leases to core deposits | 106.4493% | 901 |
| Total domestic deposits to total assets | 86.3940% | 3,104 |
| Equity capital to assets | 8.0046% | 6,681 |
| Core capital (leverage) ratio | 7.8991% | 6,412 |
| Tier 1 risk-based capital ratio | 10.2462% | 6,898 |
| Total risk-based capital ratio | 11.5219% | 6,878 |
| Memoranda: | ||
| Average total assets | $245,757,000 | 2,595 |
| Average earning assets | $223,778,000 | 2,599 |
| Average equity | $19,850,330 | 3,154 |
| Average total loans | $199,868,000 | 2,086 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.2098% | 2,190 |
| Cost of funding earning assets | 1.4547% | 1,361 |
| Net interest margin | 3.7551% | 3,820 |
| Noninterest income to average assets | 0.2745% | 5,708 |
| Noninterest expense to average assets | 2.9582% | 3,825 |
| Loan and lease loss provision to assets | 0.6640% | 1,288 |
| Net operating income to assets | 0.0674% | 6,187 |
| Return on assets (ROA) | 0.0674% | 6,233 |
| Pretax return on assets | 0.0674% | 6,242 |
| Return on Equity (ROE) | 0.8304% | 6,183 |
| Retained earnings to average equity (ytd only) | 0.8304% | 5,497 |
| Net charge-offs to loans | 0.0320% | 4,650 |
| Credit loss provision to net charge-offs | 2,525.0000% | 155 |
| Earnings coverage of net charge-offs (x) | 27.8125% | 881 |
| Efficiency ratio | 80.1782% | 2,497 |
| Assets per employee ($millions) | 4.8957% | 2,302 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 3.0863% | 846 |
| Loan loss allowance to noncurrent loans | 49.6789% | 5,035 |
| Noncurrent assets plus other real estate owned to assets | 6.4642% | 865 |
| Noncurrent loans to loans | 6.2125% | 998 |
| Net loans and leases to total assets | 77.8230% | 753 |
| Net loans and leases to deposits | 90.4041% | 1,187 |
| Net loans and leases to core deposits | 108.6678% | 804 |
| Total domestic deposits to total assets | 86.0835% | 3,478 |
| Equity capital to assets | 7.9301% | 6,564 |
| Core capital (leverage) ratio | 8.1416% | 6,068 |
| Tier 1 risk-based capital ratio | 10.1645% | 6,940 |
| Total risk-based capital ratio | 11.4386% | 6,931 |
| Memoranda: | ||
| Average total assets | $243,389,500 | 2,633 |
| Average earning assets | $221,351,000 | 2,646 |
| Average equity | $19,750,000 | 3,155 |
| Average total loans | $200,190,500 | 2,106 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4193% | 2,583 |
| Cost of funding earning assets | 1.6650% | 1,753 |
| Net interest margin | 3.7543% | 4,136 |
| Noninterest income to average assets | 0.1533% | 6,625 |
| Noninterest expense to average assets | 2.8776% | 4,321 |
| Loan and lease loss provision to assets | 0.7909% | 2,069 |
| Net operating income to assets | -0.0028% | 5,839 |
| Return on assets (ROA) | 0.3113% | 5,069 |
| Pretax return on assets | 0.2319% | 5,406 |
| Return on Equity (ROE) | 4.0761% | 4,488 |
| Retained earnings to average equity (ytd only) | 4.0761% | 3,008 |
| Net charge-offs to loans | 0.3952% | 4,060 |
| Credit loss provision to net charge-offs | 242.3358% | 1,189 |
| Earnings coverage of net charge-offs (x) | 2.1715% | 4,090 |
| Efficiency ratio | 80.2391% | 2,382 |
| Assets per employee ($millions) | 4.7419% | 2,507 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.9017% | 952 |
| Loan loss allowance to noncurrent loans | 50.5623% | 4,967 |
| Noncurrent assets plus other real estate owned to assets | 6.4421% | 883 |
| Noncurrent loans to loans | 5.7389% | 1,110 |
| Net loans and leases to total assets | 81.8581% | 462 |
| Net loans and leases to deposits | 97.4166% | 760 |
| Net loans and leases to core deposits | 118.9212% | 562 |
| Total domestic deposits to total assets | 84.0289% | 4,349 |
| Equity capital to assets | 8.3088% | 6,133 |
| Core capital (leverage) ratio | 7.9599% | 6,259 |
| Tier 1 risk-based capital ratio | 10.2311% | 6,857 |
| Total risk-based capital ratio | 11.5034% | 6,824 |
| Memoranda: | ||
| Average total assets | $251,873,000 | 2,529 |
| Average earning assets | $230,324,800 | 2,522 |
| Average equity | $19,234,200 | 3,251 |
| Average total loans | $207,975,000 | 2,089 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3997% | 2,888 |
| Cost of funding earning assets | 1.7047% | 1,856 |
| Net interest margin | 3.6950% | 4,428 |
| Noninterest income to average assets | 0.2170% | 6,351 |
| Noninterest expense to average assets | 2.7807% | 4,564 |
| Loan and lease loss provision to assets | 0.4476% | 3,231 |
| Net operating income to assets | 0.3699% | 4,886 |
| Return on assets (ROA) | 0.7679% | 3,298 |
| Pretax return on assets | 0.7679% | 4,018 |
| Return on Equity (ROE) | 10.2660% | 2,019 |
| Retained earnings to average equity (ytd only) | 10.2660% | 737 |
| Net charge-offs to loans | 0.1409% | 5,170 |
| Credit loss provision to net charge-offs | 386.4865% | 804 |
| Earnings coverage of net charge-offs (x) | 7.0586% | 2,391 |
| Efficiency ratio | 77.2800% | 2,728 |
| Assets per employee ($millions) | 4.9615% | 2,230 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.5444% | 1,279 |
| Loan loss allowance to noncurrent loans | 51.6781% | 4,851 |
| Noncurrent assets plus other real estate owned to assets | 5.6080% | 1,094 |
| Noncurrent loans to loans | 4.9236% | 1,423 |
| Net loans and leases to total assets | 81.3048% | 583 |
| Net loans and leases to deposits | 95.1567% | 1,086 |
| Net loans and leases to core deposits | 114.9952% | 793 |
| Total domestic deposits to total assets | 85.4431% | 3,384 |
| Equity capital to assets | 8.3422% | 6,464 |
| Core capital (leverage) ratio | 8.0616% | 6,258 |
| Tier 1 risk-based capital ratio | 10.3405% | 6,872 |
| Total risk-based capital ratio | 11.6084% | 6,855 |
| Memoranda: | ||
| Average total assets | $255,567,000 | 2,533 |
| Average earning assets | $233,857,500 | 2,527 |
| Average equity | $19,117,750 | 3,300 |
| Average total loans | $209,998,000 | 2,101 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3194% | 3,372 |
| Cost of funding earning assets | 1.7264% | 1,987 |
| Net interest margin | 3.5930% | 4,845 |
| Noninterest income to average assets | 0.1798% | 6,621 |
| Noninterest expense to average assets | 2.6815% | 4,989 |
| Loan and lease loss provision to assets | 0.4394% | 3,117 |
| Net operating income to assets | 0.3573% | 4,939 |
| Return on assets (ROA) | 0.8634% | 2,816 |
| Pretax return on assets | 0.8634% | 3,648 |
| Return on Equity (ROE) | 11.9836% | 1,463 |
| Retained earnings to average equity (ytd only) | 11.9836% | 495 |
| Net charge-offs to loans | 0.0483% | 5,711 |
| Credit loss provision to net charge-offs | 1,111.7647% | 341 |
| Earnings coverage of net charge-offs (x) | 20.1569% | 1,227 |
| Efficiency ratio | 77.0945% | 2,882 |
| Assets per employee ($millions) | 5.0221% | 2,156 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.4516% | 1,367 |
| Loan loss allowance to noncurrent loans | 54.9786% | 4,642 |
| Noncurrent assets plus other real estate owned to assets | 4.6318% | 1,414 |
| Noncurrent loans to loans | 4.4591% | 1,637 |
| Net loans and leases to total assets | 78.4074% | 1,042 |
| Net loans and leases to deposits | 90.2317% | 1,816 |
| Net loans and leases to core deposits | 107.7293% | 1,320 |
| Total domestic deposits to total assets | 86.8957% | 2,587 |
| Equity capital to assets | 7.2613% | 7,243 |
| Core capital (leverage) ratio | 7.2998% | 7,000 |
| Tier 1 risk-based capital ratio | 9.2595% | 7,354 |
| Total risk-based capital ratio | 10.5255% | 7,347 |
| Memoranda: | ||
| Average total assets | $258,064,330 | 2,529 |
| Average earning assets | $236,905,330 | 2,520 |
| Average equity | $18,592,000 | 3,361 |
| Average total loans | $211,009,670 | 2,111 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.3646% | 3,217 |
| Cost of funding earning assets | 1.7656% | 2,035 |
| Net interest margin | 3.5990% | 4,734 |
| Noninterest income to average assets | 0.1871% | 6,620 |
| Noninterest expense to average assets | 2.5058% | 5,705 |
| Loan and lease loss provision to assets | 0.1965% | 4,535 |
| Net operating income to assets | 0.7906% | 3,011 |
| Return on assets (ROA) | 1.7371% | 621 |
| Pretax return on assets | 1.7371% | 990 |
| Return on Equity (ROE) | 24.2088% | 182 |
| Retained earnings to average equity (ytd only) | 24.2088% | 109 |
| Net charge-offs to loans | -0.0113% | 6,921 |
| Credit loss provision to net charge-offs | -2,100.0000% | 6,524 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.7411% | 3,978 |
| Assets per employee ($millions) | 4.7119% | 2,628 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2326% | 1,689 |
| Loan loss allowance to noncurrent loans | 62.5509% | 4,247 |
| Noncurrent assets plus other real estate owned to assets | 3.8660% | 1,786 |
| Noncurrent loans to loans | 3.5692% | 2,236 |
| Net loans and leases to total assets | 80.4670% | 773 |
| Net loans and leases to deposits | 93.1039% | 1,463 |
| Net loans and leases to core deposits | 115.4398% | 976 |
| Total domestic deposits to total assets | 86.4271% | 2,928 |
| Equity capital to assets | 7.2582% | 7,241 |
| Core capital (leverage) ratio | 7.4887% | 6,866 |
| Tier 1 risk-based capital ratio | 9.1851% | 7,435 |
| Total risk-based capital ratio | 10.4490% | 7,433 |
| Memoranda: | ||
| Average total assets | $256,521,500 | 2,590 |
| Average earning assets | $235,618,500 | 2,582 |
| Average equity | $18,406,500 | 3,417 |
| Average total loans | $211,561,000 | 2,164 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.7047% | 3,084 |
| Cost of funding earning assets | 2.3306% | 1,535 |
| Net interest margin | 3.3741% | 5,475 |
| Noninterest income to average assets | 0.2512% | 6,306 |
| Noninterest expense to average assets | 3.6269% | 2,086 |
| Loan and lease loss provision to assets | 2.4746% | 804 |
| Net operating income to assets | -2.6405% | 7,308 |
| Return on assets (ROA) | -2.6119% | 7,302 |
| Pretax return on assets | -2.7242% | 7,217 |
| Return on Equity (ROE) | -30.2963% | 7,409 |
| Retained earnings to average equity (ytd only) | -30.2963% | 7,393 |
| Net charge-offs to loans | 1.7242% | 1,454 |
| Credit loss provision to net charge-offs | 174.8004% | 2,402 |
| Earnings coverage of net charge-offs (x) | -0.1973% | 6,434 |
| Efficiency ratio | 98.9744% | 1,153 |
| Assets per employee ($millions) | 4.2315% | 3,375 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.2066% | 1,641 |
| Loan loss allowance to noncurrent loans | 75.3213% | 3,638 |
| Noncurrent assets plus other real estate owned to assets | 3.4070% | 1,987 |
| Noncurrent loans to loans | 2.9296% | 2,632 |
| Net loans and leases to total assets | 80.8214% | 863 |
| Net loans and leases to deposits | 93.6292% | 1,651 |
| Net loans and leases to core deposits | 112.3390% | 2,666 |
| Total domestic deposits to total assets | 86.3207% | 2,860 |
| Equity capital to assets | 7.0909% | 7,331 |
| Core capital (leverage) ratio | 6.8228% | 7,356 |
| Tier 1 risk-based capital ratio | 8.4035% | 7,600 |
| Total risk-based capital ratio | 9.6610% | 7,620 |
| Memoranda: | ||
| Average total assets | $238,826,000 | 2,726 |
| Average earning assets | $219,170,800 | 2,714 |
| Average equity | $20,590,000 | 3,126 |
| Average total loans | $196,095,400 | 2,330 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6692% | 3,481 |
| Cost of funding earning assets | 2.4212% | 1,557 |
| Net interest margin | 3.2480% | 5,843 |
| Noninterest income to average assets | 0.2490% | 6,458 |
| Noninterest expense to average assets | 3.2921% | 2,949 |
| Loan and lease loss provision to assets | 1.0284% | 1,868 |
| Net operating income to assets | -0.5664% | 6,494 |
| Return on assets (ROA) | -0.5508% | 6,478 |
| Pretax return on assets | -1.0681% | 6,732 |
| Return on Equity (ROE) | -6.0962% | 6,566 |
| Retained earnings to average equity (ytd only) | -6.0962% | 6,398 |
| Net charge-offs to loans | 0.2997% | 4,153 |
| Credit loss provision to net charge-offs | 418.7067% | 950 |
| Earnings coverage of net charge-offs (x) | -0.2610% | 6,331 |
| Efficiency ratio | 101.9856% | 979 |
| Assets per employee ($millions) | 4.3083% | 3,197 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6680% | 2,738 |
| Loan loss allowance to noncurrent loans | 38.8028% | 5,780 |
| Noncurrent assets plus other real estate owned to assets | 4.1225% | 1,530 |
| Noncurrent loans to loans | 4.2986% | 1,668 |
| Net loans and leases to total assets | 80.7339% | 1,035 |
| Net loans and leases to deposits | 95.9909% | 1,580 |
| Net loans and leases to core deposits | 113.5113% | 2,880 |
| Total domestic deposits to total assets | 84.1059% | 3,674 |
| Equity capital to assets | 9.1893% | 5,185 |
| Core capital (leverage) ratio | 9.0582% | 4,562 |
| Tier 1 risk-based capital ratio | 10.6192% | 6,322 |
| Total risk-based capital ratio | 11.8749% | 6,300 |
| Memoranda: | ||
| Average total assets | $235,060,750 | 2,783 |
| Average earning assets | $215,591,250 | 2,777 |
| Average equity | $21,236,750 | 3,067 |
| Average total loans | $192,663,000 | 2,396 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6576% | 3,782 |
| Cost of funding earning assets | 2.5184% | 1,551 |
| Net interest margin | 3.1392% | 6,129 |
| Noninterest income to average assets | 0.2484% | 6,504 |
| Noninterest expense to average assets | 3.3776% | 2,696 |
| Loan and lease loss provision to assets | 0.8160% | 2,049 |
| Net operating income to assets | -0.5374% | 6,585 |
| Return on assets (ROA) | -0.5134% | 6,570 |
| Pretax return on assets | -1.0285% | 6,834 |
| Return on Equity (ROE) | -5.7186% | 6,681 |
| Retained earnings to average equity (ytd only) | -5.7186% | 6,407 |
| Net charge-offs to loans | 0.1858% | 4,406 |
| Credit loss provision to net charge-offs | 536.2069% | 864 |
| Earnings coverage of net charge-offs (x) | -1.6437% | 6,322 |
| Efficiency ratio | 107.9978% | 909 |
| Assets per employee ($millions) | 4.0005% | 3,668 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4166% | 3,638 |
| Loan loss allowance to noncurrent loans | 46.3533% | 5,258 |
| Noncurrent assets plus other real estate owned to assets | 3.0084% | 2,115 |
| Noncurrent loans to loans | 3.0560% | 2,352 |
| Net loans and leases to total assets | 82.9224% | 796 |
| Net loans and leases to deposits | 100.7910% | 1,198 |
| Net loans and leases to core deposits | 122.5047% | 2,156 |
| Total domestic deposits to total assets | 82.2717% | 4,583 |
| Equity capital to assets | 9.8376% | 4,166 |
| Core capital (leverage) ratio | 9.7961% | 3,525 |
| Tier 1 risk-based capital ratio | 11.0686% | 5,811 |
| Total risk-based capital ratio | 12.3208% | 5,728 |
| Memoranda: | ||
| Average total assets | $228,685,000 | 2,878 |
| Average earning assets | $209,736,000 | 2,874 |
| Average equity | $20,529,670 | 3,170 |
| Average total loans | $187,318,330 | 2,487 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.6643% | 3,967 |
| Cost of funding earning assets | 2.5934% | 1,587 |
| Net interest margin | 3.0709% | 6,280 |
| Noninterest income to average assets | 0.2583% | 6,381 |
| Noninterest expense to average assets | 3.3415% | 2,530 |
| Loan and lease loss provision to assets | 0.4161% | 2,839 |
| Net operating income to assets | -0.3058% | 6,689 |
| Return on assets (ROA) | -0.2565% | 6,705 |
| Pretax return on assets | -0.6080% | 6,911 |
| Return on Equity (ROE) | -3.0124% | 6,778 |
| Retained earnings to average equity (ytd only) | -3.0124% | 6,280 |
| Net charge-offs to loans | 0.0178% | 5,325 |
| Credit loss provision to net charge-offs | 2,900.0000% | 230 |
| Earnings coverage of net charge-offs (x) | -18.7500% | 5,660 |
| Efficiency ratio | 108.7566% | 842 |
| Assets per employee ($millions) | 4.0089% | 3,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2619% | 4,329 |
| Loan loss allowance to noncurrent loans | 65.8267% | 4,270 |
| Noncurrent assets plus other real estate owned to assets | 1.7207% | 3,339 |
| Noncurrent loans to loans | 1.9171% | 3,382 |
| Net loans and leases to total assets | 78.2373% | 1,766 |
| Net loans and leases to deposits | 91.3168% | 2,725 |
| Net loans and leases to core deposits | 111.9201% | 3,226 |
| Total domestic deposits to total assets | 85.6767% | 2,882 |
| Equity capital to assets | 8.1538% | 6,593 |
| Core capital (leverage) ratio | 8.3577% | 5,794 |
| Tier 1 risk-based capital ratio | 9.5156% | 7,414 |
| Total risk-based capital ratio | 10.7658% | 7,361 |
| Memoranda: | ||
| Average total assets | $223,013,500 | 2,956 |
| Average earning assets | $204,367,000 | 2,962 |
| Average equity | $18,988,000 | 3,417 |
| Average total loans | $180,029,000 | 2,595 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.5430% | 2,749 |
| Cost of funding earning assets | 3.0433% | 1,705 |
| Net interest margin | 3.4997% | 5,297 |
| Noninterest income to average assets | 0.3473% | 5,959 |
| Noninterest expense to average assets | 3.3220% | 2,894 |
| Loan and lease loss provision to assets | 0.4352% | 3,117 |
| Net operating income to assets | -0.0412% | 6,428 |
| Return on assets (ROA) | -0.0369% | 6,271 |
| Pretax return on assets | -0.2371% | 6,401 |
| Return on Equity (ROE) | -0.3786% | 6,282 |
| Retained earnings to average equity (ytd only) | -0.3786% | 5,399 |
| Net charge-offs to loans | 0.2562% | 3,710 |
| Credit loss provision to net charge-offs | 212.9771% | 2,268 |
| Earnings coverage of net charge-offs (x) | 0.9364% | 5,663 |
| Efficiency ratio | 94.5538% | 1,242 |
| Assets per employee ($millions) | 3.9539% | 3,612 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.1950% | 4,574 |
| Loan loss allowance to noncurrent loans | 98.9171% | 3,493 |
| Noncurrent assets plus other real estate owned to assets | 1.2145% | 3,810 |
| Noncurrent loans to loans | 1.2081% | 4,099 |
| Net loans and leases to total assets | 81.3625% | 1,344 |
| Net loans and leases to deposits | 100.7522% | 1,748 |
| Net loans and leases to core deposits | 123.9959% | 2,325 |
| Total domestic deposits to total assets | 80.7550% | 4,748 |
| Equity capital to assets | 8.9068% | 5,490 |
| Core capital (leverage) ratio | 8.6855% | 5,220 |
| Tier 1 risk-based capital ratio | 10.0307% | 6,701 |
| Total risk-based capital ratio | 11.2425% | 6,626 |
| Memoranda: | ||
| Average total assets | $192,325,600 | 3,237 |
| Average earning assets | $173,987,400 | 3,267 |
| Average equity | $18,754,600 | 3,437 |
| Average total loans | $153,410,000 | 2,865 |