Home > Shore Community Bank > Performance and Condition Ratios
Shore Community Bank, Performance and Condition Ratios
| 2019-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8435% | 1,991 |
| Cost of funding earning assets | 0.8217% | 2,609 |
| Net interest margin | 4.0219% | 1,864 |
| Noninterest income to average assets | 0.2364% | 4,322 |
| Noninterest expense to average assets | 2.3648% | 3,779 |
| Loan and lease loss provision to assets | 0.0000% | 3,836 |
| Net operating income to assets | 1.0988% | 2,574 |
| Return on assets (ROA) | 1.0988% | 2,670 |
| Pretax return on assets | 1.6061% | 1,611 |
| Return on Equity (ROE) | 9.5050% | 2,668 |
| Retained earnings to average equity (ytd only) | 6.5832% | 2,069 |
| Net charge-offs to loans | -0.0088% | 4,343 |
| Credit loss provision to net charge-offs | 0.0000% | 3,032 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 59.5523% | 3,721 |
| Assets per employee ($millions) | 6.4925% | 1,278 |
| Cash dividends to net income (ytd only)* | 30.7389% | 2,573 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2215% | 2,392 |
| Loan loss allowance to noncurrent loans | 118.3702% | 3,033 |
| Noncurrent assets plus other real estate owned to assets | 1.0943% | 1,195 |
| Noncurrent loans to loans | 1.0320% | 1,555 |
| Net loans and leases to total assets | 72.7761% | 2,041 |
| Net loans and leases to deposits | 83.1840% | 2,545 |
| Net loans and leases to core deposits | 87.7149% | 2,761 |
| Total domestic deposits to total assets | 87.4881% | 1,260 |
| Equity capital to assets | 11.5566% | 2,625 |
| Core capital (leverage) ratio | 11.5364% | 2,187 |
| Tier 1 risk-based capital ratio | 15.5353% | 2,629 |
| Total risk-based capital ratio | 16.7460% | 2,578 |
| Memoranda: | ||
| Average total assets | $277,511,750 | 2,302 |
| Average earning assets | $257,685,500 | 2,302 |
| Average equity | $32,080,750 | 2,311 |
| Average total loans | $211,491,250 | 2,091 |
| 2019-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7977% | 2,064 |
| Cost of funding earning assets | 0.7859% | 2,711 |
| Net interest margin | 4.0117% | 1,887 |
| Noninterest income to average assets | 0.2402% | 4,316 |
| Noninterest expense to average assets | 2.4368% | 3,640 |
| Loan and lease loss provision to assets | 0.0218% | 3,367 |
| Net operating income to assets | 1.0182% | 2,850 |
| Return on assets (ROA) | 1.0182% | 2,934 |
| Pretax return on assets | 1.5117% | 1,818 |
| Return on Equity (ROE) | 8.8071% | 2,932 |
| Retained earnings to average equity (ytd only) | 5.8546% | 2,350 |
| Net charge-offs to loans | -0.0057% | 4,164 |
| Credit loss provision to net charge-offs | -500.0000% | 4,131 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 61.3749% | 3,530 |
| Assets per employee ($millions) | 5.7732% | 1,719 |
| Cash dividends to net income (ytd only)* | 33.5239% | 2,483 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2171% | 2,433 |
| Loan loss allowance to noncurrent loans | 119.2184% | 3,029 |
| Noncurrent assets plus other real estate owned to assets | 1.1061% | 1,227 |
| Noncurrent loans to loans | 1.0209% | 1,607 |
| Net loans and leases to total assets | 74.3930% | 1,827 |
| Net loans and leases to deposits | 84.7542% | 2,402 |
| Net loans and leases to core deposits | 88.3827% | 2,756 |
| Total domestic deposits to total assets | 87.7750% | 1,208 |
| Equity capital to assets | 11.4300% | 2,670 |
| Core capital (leverage) ratio | 11.8603% | 1,907 |
| Tier 1 risk-based capital ratio | 15.3214% | 2,699 |
| Total risk-based capital ratio | 16.5502% | 2,646 |
| Memoranda: | ||
| Average total assets | $274,791,670 | 2,329 |
| Average earning assets | $255,499,670 | 2,323 |
| Average equity | $31,769,670 | 2,321 |
| Average total loans | $211,831,000 | 2,101 |
| 2019-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7990% | 1,904 |
| Cost of funding earning assets | 0.7631% | 2,716 |
| Net interest margin | 4.0359% | 1,729 |
| Noninterest income to average assets | 0.2541% | 4,190 |
| Noninterest expense to average assets | 2.2590% | 4,125 |
| Loan and lease loss provision to assets | 0.0443% | 2,751 |
| Net operating income to assets | 1.2218% | 1,978 |
| Return on assets (ROA) | 1.2218% | 2,024 |
| Pretax return on assets | 1.7094% | 1,187 |
| Return on Equity (ROE) | 10.5058% | 2,151 |
| Retained earnings to average equity (ytd only) | 7.5331% | 1,827 |
| Net charge-offs to loans | -0.0114% | 4,274 |
| Credit loss provision to net charge-offs | -500.0000% | 3,794 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 56.2960% | 4,292 |
| Assets per employee ($millions) | 5.7070% | 1,788 |
| Cash dividends to net income (ytd only)* | 28.2950% | 2,280 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2246% | 2,451 |
| Loan loss allowance to noncurrent loans | 127.4828% | 2,964 |
| Noncurrent assets plus other real estate owned to assets | 1.0908% | 1,268 |
| Noncurrent loans to loans | 0.9606% | 1,736 |
| Net loans and leases to total assets | 76.3501% | 1,421 |
| Net loans and leases to deposits | 87.0408% | 1,995 |
| Net loans and leases to core deposits | 90.4652% | 2,449 |
| Total domestic deposits to total assets | 87.7177% | 1,470 |
| Equity capital to assets | 11.6234% | 2,296 |
| Core capital (leverage) ratio | 11.8888% | 1,837 |
| Tier 1 risk-based capital ratio | 15.2146% | 2,788 |
| Total risk-based capital ratio | 16.4495% | 2,703 |
| Memoranda: | ||
| Average total assets | $270,743,500 | 2,371 |
| Average earning assets | $252,137,500 | 2,364 |
| Average equity | $31,487,500 | 2,331 |
| Average total loans | $211,225,500 | 2,127 |
| 2018-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6582% | 1,962 |
| Cost of funding earning assets | 0.6556% | 2,351 |
| Net interest margin | 4.0026% | 1,980 |
| Noninterest income to average assets | 0.3391% | 3,847 |
| Noninterest expense to average assets | 2.1611% | 4,425 |
| Loan and lease loss provision to assets | -0.1272% | 5,291 |
| Net operating income to assets | 1.4543% | 1,257 |
| Return on assets (ROA) | 1.4543% | 1,247 |
| Pretax return on assets | 2.0238% | 533 |
| Return on Equity (ROE) | 13.5844% | 1,150 |
| Retained earnings to average equity (ytd only) | 10.4107% | 542 |
| Net charge-offs to loans | -0.0034% | 4,296 |
| Credit loss provision to net charge-offs | 5,000.0000% | 96 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.2599% | 4,690 |
| Assets per employee ($millions) | 5.4602% | 1,996 |
| Cash dividends to net income (ytd only)* | 23.3633% | 3,347 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.2135% | 2,500 |
| Loan loss allowance to noncurrent loans | 125.7129% | 3,034 |
| Noncurrent assets plus other real estate owned to assets | 1.1168% | 1,197 |
| Noncurrent loans to loans | 0.9653% | 1,677 |
| Net loans and leases to total assets | 77.7985% | 1,301 |
| Net loans and leases to deposits | 88.4295% | 1,998 |
| Net loans and leases to core deposits | 91.9272% | 2,411 |
| Total domestic deposits to total assets | 87.9779% | 1,304 |
| Equity capital to assets | 11.6367% | 2,151 |
| Core capital (leverage) ratio | 11.3912% | 2,187 |
| Tier 1 risk-based capital ratio | 14.8073% | 2,922 |
| Total risk-based capital ratio | 16.0170% | 2,867 |
| Memoranda: | ||
| Average total assets | $275,178,200 | 2,294 |
| Average earning assets | $255,656,200 | 2,296 |
| Average equity | $29,460,200 | 2,367 |
| Average total loans | $207,153,000 | 2,121 |
| 2018-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6170% | 1,931 |
| Cost of funding earning assets | 0.6368% | 2,231 |
| Net interest margin | 3.9802% | 2,013 |
| Noninterest income to average assets | 0.3671% | 3,671 |
| Noninterest expense to average assets | 2.1370% | 4,468 |
| Loan and lease loss provision to assets | -0.0626% | 5,312 |
| Net operating income to assets | 1.4286% | 1,393 |
| Return on assets (ROA) | 1.4286% | 1,389 |
| Pretax return on assets | 1.9859% | 642 |
| Return on Equity (ROE) | 13.6306% | 1,224 |
| Retained earnings to average equity (ytd only) | 10.4123% | 792 |
| Net charge-offs to loans | -0.0549% | 4,970 |
| Credit loss provision to net charge-offs | 152.9412% | 1,675 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 52.6310% | 4,743 |
| Assets per employee ($millions) | 5.6506% | 1,777 |
| Cash dividends to net income (ytd only)* | 23.6105% | 2,855 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3708% | 1,815 |
| Loan loss allowance to noncurrent loans | 356.8750% | 1,453 |
| Noncurrent assets plus other real estate owned to assets | 0.6208% | 2,322 |
| Noncurrent loans to loans | 0.3841% | 3,277 |
| Net loans and leases to total assets | 72.7084% | 2,213 |
| Net loans and leases to deposits | 81.7370% | 2,852 |
| Net loans and leases to core deposits | 86.8493% | 2,934 |
| Total domestic deposits to total assets | 88.9541% | 861 |
| Equity capital to assets | 10.6856% | 2,949 |
| Core capital (leverage) ratio | 10.7448% | 2,844 |
| Tier 1 risk-based capital ratio | 14.9257% | 2,918 |
| Total risk-based capital ratio | 16.1773% | 2,833 |
| Memoranda: | ||
| Average total assets | $277,085,500 | 2,299 |
| Average earning assets | $257,102,750 | 2,296 |
| Average equity | $29,041,750 | 2,398 |
| Average total loans | $206,264,750 | 2,133 |
| 2018-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5877% | 1,815 |
| Cost of funding earning assets | 0.6220% | 2,090 |
| Net interest margin | 3.9657% | 1,981 |
| Noninterest income to average assets | 0.3684% | 3,695 |
| Noninterest expense to average assets | 2.1484% | 4,490 |
| Loan and lease loss provision to assets | 0.0145% | 3,584 |
| Net operating income to assets | 1.3950% | 1,461 |
| Return on assets (ROA) | 1.3950% | 1,462 |
| Pretax return on assets | 1.8832% | 808 |
| Return on Equity (ROE) | 13.3989% | 1,238 |
| Retained earnings to average equity (ytd only) | 10.1399% | 893 |
| Net charge-offs to loans | -0.0058% | 4,148 |
| Credit loss provision to net charge-offs | -333.3333% | 4,287 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 53.0975% | 4,773 |
| Assets per employee ($millions) | 6.2399% | 1,307 |
| Cash dividends to net income (ytd only)* | 24.3229% | 2,843 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4287% | 1,649 |
| Loan loss allowance to noncurrent loans | 8,360.0000% | 102 |
| Noncurrent assets plus other real estate owned to assets | 0.3526% | 3,339 |
| Noncurrent loans to loans | 0.0171% | 4,867 |
| Net loans and leases to total assets | 71.8961% | 2,292 |
| Net loans and leases to deposits | 80.5447% | 2,890 |
| Net loans and leases to core deposits | 85.8477% | 2,939 |
| Total domestic deposits to total assets | 89.2623% | 829 |
| Equity capital to assets | 10.4723% | 3,152 |
| Core capital (leverage) ratio | 10.7824% | 2,717 |
| Tier 1 risk-based capital ratio | 14.6205% | 3,060 |
| Total risk-based capital ratio | 15.8728% | 2,974 |
| Memoranda: | ||
| Average total assets | $275,270,670 | 2,314 |
| Average earning assets | $255,291,330 | 2,316 |
| Average equity | $28,659,000 | 2,433 |
| Average total loans | $205,593,670 | 2,145 |
| 2018-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3982% | 2,202 |
| Cost of funding earning assets | 0.5962% | 2,082 |
| Net interest margin | 3.8021% | 2,418 |
| Noninterest income to average assets | 0.2848% | 4,270 |
| Noninterest expense to average assets | 2.1269% | 4,592 |
| Loan and lease loss provision to assets | 0.0294% | 3,128 |
| Net operating income to assets | 1.2301% | 1,893 |
| Return on assets (ROA) | 1.2301% | 1,900 |
| Pretax return on assets | 1.6484% | 1,246 |
| Return on Equity (ROE) | 11.8506% | 1,637 |
| Retained earnings to average equity (ytd only) | 8.5698% | 1,628 |
| Net charge-offs to loans | -0.0505% | 4,968 |
| Credit loss provision to net charge-offs | -76.9231% | 3,658 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 55.9028% | 4,594 |
| Assets per employee ($millions) | 5.2682% | 2,169 |
| Cash dividends to net income (ytd only)* | 27.6850% | 2,220 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4093% | 1,802 |
| Loan loss allowance to noncurrent loans | 111.2538% | 3,254 |
| Noncurrent assets plus other real estate owned to assets | 1.3536% | 1,087 |
| Noncurrent loans to loans | 1.2668% | 1,420 |
| Net loans and leases to total assets | 75.2314% | 1,665 |
| Net loans and leases to deposits | 84.2629% | 2,361 |
| Net loans and leases to core deposits | 89.8470% | 2,463 |
| Total domestic deposits to total assets | 89.2818% | 969 |
| Equity capital to assets | 10.4280% | 3,144 |
| Core capital (leverage) ratio | 10.5970% | 2,855 |
| Tier 1 risk-based capital ratio | 14.0537% | 3,354 |
| Total risk-based capital ratio | 15.3058% | 3,266 |
| Memoranda: | ||
| Average total assets | $272,507,500 | 2,352 |
| Average earning assets | $252,284,500 | 2,355 |
| Average equity | $28,285,500 | 2,480 |
| Average total loans | $205,986,500 | 2,152 |
| 2017-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3539% | 2,167 |
| Cost of funding earning assets | 0.6446% | 1,329 |
| Net interest margin | 3.7093% | 2,765 |
| Noninterest income to average assets | 0.3418% | 4,020 |
| Noninterest expense to average assets | 2.1468% | 4,657 |
| Loan and lease loss provision to assets | 0.0905% | 2,384 |
| Net operating income to assets | 0.7642% | 3,324 |
| Return on assets (ROA) | 0.7642% | 3,361 |
| Pretax return on assets | 1.4453% | 1,834 |
| Return on Equity (ROE) | 7.5028% | 3,031 |
| Retained earnings to average equity (ytd only) | 4.7237% | 2,308 |
| Net charge-offs to loans | 0.0764% | 2,361 |
| Credit loss provision to net charge-offs | 166.6667% | 1,607 |
| Earnings coverage of net charge-offs (x) | 28.2721% | 1,607 |
| Efficiency ratio | 58.2940% | 4,492 |
| Assets per employee ($millions) | 5.1145% | 2,344 |
| Cash dividends to net income (ytd only)* | 37.0406% | 2,988 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4290% | 1,657 |
| Loan loss allowance to noncurrent loans | 105.2250% | 3,427 |
| Noncurrent assets plus other real estate owned to assets | 1.3598% | 1,049 |
| Noncurrent loans to loans | 1.3581% | 1,284 |
| Net loans and leases to total assets | 73.7943% | 1,954 |
| Net loans and leases to deposits | 82.6089% | 2,652 |
| Net loans and leases to core deposits | 87.9306% | 2,730 |
| Total domestic deposits to total assets | 89.3297% | 855 |
| Equity capital to assets | 10.3309% | 3,349 |
| Core capital (leverage) ratio | 10.1429% | 3,255 |
| Tier 1 risk-based capital ratio | 14.0366% | 3,344 |
| Total risk-based capital ratio | 15.2890% | 3,245 |
| Memoranda: | ||
| Average total assets | $270,593,800 | 2,347 |
| Average earning assets | $243,710,800 | 2,392 |
| Average equity | $27,563,200 | 2,515 |
| Average total loans | $192,445,800 | 2,223 |
| 2017-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3425% | 2,132 |
| Cost of funding earning assets | 0.6553% | 1,202 |
| Net interest margin | 3.6872% | 2,792 |
| Noninterest income to average assets | 0.3549% | 3,998 |
| Noninterest expense to average assets | 2.1359% | 4,660 |
| Loan and lease loss provision to assets | 0.0789% | 2,509 |
| Net operating income to assets | 0.9386% | 2,838 |
| Return on assets (ROA) | 0.9386% | 2,902 |
| Pretax return on assets | 1.4355% | 1,991 |
| Return on Equity (ROE) | 9.2471% | 2,472 |
| Retained earnings to average equity (ytd only) | 9.2471% | 775 |
| Net charge-offs to loans | 0.1068% | 1,718 |
| Credit loss provision to net charge-offs | 105.2632% | 2,202 |
| Earnings coverage of net charge-offs (x) | 20.2107% | 1,964 |
| Efficiency ratio | 58.5145% | 4,428 |
| Assets per employee ($millions) | 5.1257% | 2,303 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,680 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4243% | 1,793 |
| Loan loss allowance to noncurrent loans | 97.8072% | 3,559 |
| Noncurrent assets plus other real estate owned to assets | 1.4690% | 1,040 |
| Noncurrent loans to loans | 1.4562% | 1,285 |
| Net loans and leases to total assets | 70.2630% | 2,518 |
| Net loans and leases to deposits | 78.6023% | 3,108 |
| Net loans and leases to core deposits | 83.3959% | 3,179 |
| Total domestic deposits to total assets | 89.3905% | 704 |
| Equity capital to assets | 10.2944% | 3,591 |
| Core capital (leverage) ratio | 10.3955% | 3,092 |
| Tier 1 risk-based capital ratio | 14.4940% | 3,184 |
| Total risk-based capital ratio | 15.7464% | 3,099 |
| Memoranda: | ||
| Average total assets | $270,474,500 | 2,363 |
| Average earning assets | $241,731,500 | 2,429 |
| Average equity | $27,453,000 | 2,538 |
| Average total loans | $189,823,500 | 2,256 |
| 2017-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2901% | 2,168 |
| Cost of funding earning assets | 0.6648% | 1,068 |
| Net interest margin | 3.6253% | 2,931 |
| Noninterest income to average assets | 0.3808% | 3,825 |
| Noninterest expense to average assets | 2.1880% | 4,579 |
| Loan and lease loss provision to assets | 0.0745% | 2,474 |
| Net operating income to assets | 0.8928% | 2,948 |
| Return on assets (ROA) | 0.8928% | 3,005 |
| Pretax return on assets | 1.3571% | 2,177 |
| Return on Equity (ROE) | 8.8394% | 2,582 |
| Retained earnings to average equity (ytd only) | 8.8394% | 886 |
| Net charge-offs to loans | 0.0064% | 3,228 |
| Credit loss provision to net charge-offs | 1,666.6667% | 247 |
| Earnings coverage of net charge-offs (x) | 320.1667% | 261 |
| Efficiency ratio | 60.4488% | 4,255 |
| Assets per employee ($millions) | 5.2609% | 2,098 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,521 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5125% | 1,536 |
| Loan loss allowance to noncurrent loans | 1,096.9697% | 540 |
| Noncurrent assets plus other real estate owned to assets | 0.5326% | 2,994 |
| Noncurrent loans to loans | 0.1379% | 4,563 |
| Net loans and leases to total assets | 68.9327% | 2,678 |
| Net loans and leases to deposits | 76.9488% | 3,225 |
| Net loans and leases to core deposits | 81.7242% | 3,278 |
| Total domestic deposits to total assets | 89.5824% | 693 |
| Equity capital to assets | 10.1522% | 3,733 |
| Core capital (leverage) ratio | 10.2117% | 3,257 |
| Tier 1 risk-based capital ratio | 14.5261% | 3,150 |
| Total risk-based capital ratio | 15.7795% | 3,075 |
| Memoranda: | ||
| Average total assets | $268,369,330 | 2,380 |
| Average earning assets | $239,761,000 | 2,450 |
| Average equity | $27,106,000 | 2,558 |
| Average total loans | $187,334,330 | 2,279 |
| 2017-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2489% | 2,100 |
| Cost of funding earning assets | 0.6739% | 966 |
| Net interest margin | 3.5750% | 2,982 |
| Noninterest income to average assets | 0.2920% | 4,467 |
| Noninterest expense to average assets | 2.2124% | 4,606 |
| Loan and lease loss provision to assets | 0.0602% | 2,595 |
| Net operating income to assets | 0.8112% | 3,170 |
| Return on assets (ROA) | 0.8112% | 3,228 |
| Pretax return on assets | 1.2131% | 2,538 |
| Return on Equity (ROE) | 8.0530% | 2,898 |
| Retained earnings to average equity (ytd only) | 8.0530% | 1,439 |
| Net charge-offs to loans | 0.0194% | 2,401 |
| Credit loss provision to net charge-offs | 444.4444% | 613 |
| Earnings coverage of net charge-offs (x) | 94.0000% | 572 |
| Efficiency ratio | 63.4715% | 3,920 |
| Assets per employee ($millions) | 5.1308% | 2,267 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,824 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5070% | 1,670 |
| Loan loss allowance to noncurrent loans | 1,053.5316% | 583 |
| Noncurrent assets plus other real estate owned to assets | 0.7785% | 2,356 |
| Noncurrent loans to loans | 0.1430% | 4,617 |
| Net loans and leases to total assets | 69.4220% | 2,474 |
| Net loans and leases to deposits | 77.4682% | 3,033 |
| Net loans and leases to core deposits | 82.4900% | 3,041 |
| Total domestic deposits to total assets | 89.6136% | 847 |
| Equity capital to assets | 10.1364% | 3,590 |
| Core capital (leverage) ratio | 10.1939% | 3,244 |
| Tier 1 risk-based capital ratio | 14.3407% | 3,293 |
| Total risk-based capital ratio | 15.5937% | 3,204 |
| Memoranda: | ||
| Average total assets | $265,770,500 | 2,424 |
| Average earning assets | $237,428,500 | 2,489 |
| Average equity | $26,772,500 | 2,592 |
| Average total loans | $185,265,000 | 2,315 |
| 2016-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.2984% | 2,143 |
| Cost of funding earning assets | 0.7226% | 734 |
| Net interest margin | 3.5757% | 3,164 |
| Noninterest income to average assets | 0.2099% | 5,161 |
| Noninterest expense to average assets | 2.3410% | 4,448 |
| Loan and lease loss provision to assets | 0.0608% | 3,162 |
| Net operating income to assets | 0.6770% | 3,885 |
| Return on assets (ROA) | 0.6770% | 3,999 |
| Pretax return on assets | 0.9873% | 3,519 |
| Return on Equity (ROE) | 6.7524% | 3,619 |
| Retained earnings to average equity (ytd only) | 6.7524% | 1,334 |
| Net charge-offs to loans | -0.0121% | 4,990 |
| Credit loss provision to net charge-offs | -738.0952% | 5,252 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.0741% | 3,058 |
| Assets per employee ($millions) | 5.1910% | 2,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,198 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5355% | 1,550 |
| Loan loss allowance to noncurrent loans | 1,015.2174% | 601 |
| Noncurrent assets plus other real estate owned to assets | 0.8386% | 2,248 |
| Noncurrent loans to loans | 0.1513% | 4,637 |
| Net loans and leases to total assets | 67.8686% | 2,788 |
| Net loans and leases to deposits | 75.7018% | 3,351 |
| Net loans and leases to core deposits | 80.6442% | 3,338 |
| Total domestic deposits to total assets | 89.6525% | 793 |
| Equity capital to assets | 10.0102% | 3,714 |
| Core capital (leverage) ratio | 9.9538% | 3,544 |
| Tier 1 risk-based capital ratio | 14.3231% | 3,270 |
| Total risk-based capital ratio | 15.5768% | 3,196 |
| Memoranda: | ||
| Average total assets | $254,933,800 | 2,465 |
| Average earning assets | $226,667,400 | 2,540 |
| Average equity | $25,561,400 | 2,673 |
| Average total loans | $173,436,200 | 2,380 |
| 2016-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3132% | 2,124 |
| Cost of funding earning assets | 0.7319% | 692 |
| Net interest margin | 3.5813% | 3,156 |
| Noninterest income to average assets | 0.2535% | 4,949 |
| Noninterest expense to average assets | 2.3969% | 4,287 |
| Loan and lease loss provision to assets | 0.0819% | 2,568 |
| Net operating income to assets | 0.6559% | 4,052 |
| Return on assets (ROA) | 0.6559% | 4,172 |
| Pretax return on assets | 0.9553% | 3,790 |
| Return on Equity (ROE) | 6.5384% | 3,813 |
| Retained earnings to average equity (ytd only) | 6.5384% | 1,886 |
| Net charge-offs to loans | -0.0358% | 5,233 |
| Credit loss provision to net charge-offs | -336.9565% | 4,978 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 69.7986% | 2,916 |
| Assets per employee ($millions) | 4.9756% | 2,396 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,760 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6042% | 1,452 |
| Loan loss allowance to noncurrent loans | 584.0909% | 933 |
| Noncurrent assets plus other real estate owned to assets | 1.3329% | 1,419 |
| Noncurrent loans to loans | 0.2746% | 4,277 |
| Net loans and leases to total assets | 65.7543% | 3,163 |
| Net loans and leases to deposits | 73.2223% | 3,670 |
| Net loans and leases to core deposits | 77.9210% | 3,670 |
| Total domestic deposits to total assets | 89.8009% | 556 |
| Equity capital to assets | 9.8700% | 4,281 |
| Core capital (leverage) ratio | 9.8136% | 3,796 |
| Tier 1 risk-based capital ratio | 14.3356% | 3,376 |
| Total risk-based capital ratio | 15.5898% | 3,311 |
| Memoranda: | ||
| Average total assets | $252,482,000 | 2,492 |
| Average earning assets | $224,236,000 | 2,565 |
| Average equity | $25,326,500 | 2,704 |
| Average total loans | $171,175,750 | 2,401 |
| 2016-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3565% | 1,959 |
| Cost of funding earning assets | 0.7513% | 624 |
| Net interest margin | 3.6052% | 3,081 |
| Noninterest income to average assets | 0.2155% | 5,197 |
| Noninterest expense to average assets | 2.4580% | 4,152 |
| Loan and lease loss provision to assets | 0.0603% | 2,934 |
| Net operating income to assets | 0.6215% | 4,182 |
| Return on assets (ROA) | 0.6215% | 4,310 |
| Pretax return on assets | 0.8997% | 3,955 |
| Return on Equity (ROE) | 6.1612% | 3,976 |
| Retained earnings to average equity (ytd only) | 6.1612% | 2,032 |
| Net charge-offs to loans | -0.0755% | 5,526 |
| Credit loss provision to net charge-offs | -117.1875% | 4,625 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 71.9125% | 2,669 |
| Assets per employee ($millions) | 4.8380% | 2,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,619 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5968% | 1,534 |
| Loan loss allowance to noncurrent loans | 1,494.5946% | 413 |
| Noncurrent assets plus other real estate owned to assets | 1.2811% | 1,589 |
| Noncurrent loans to loans | 0.1068% | 5,016 |
| Net loans and leases to total assets | 66.4522% | 3,015 |
| Net loans and leases to deposits | 74.0480% | 3,589 |
| Net loans and leases to core deposits | 78.8642% | 3,565 |
| Total domestic deposits to total assets | 89.7421% | 582 |
| Equity capital to assets | 9.9697% | 4,264 |
| Core capital (leverage) ratio | 10.1001% | 3,451 |
| Tier 1 risk-based capital ratio | 14.2496% | 3,470 |
| Total risk-based capital ratio | 15.5042% | 3,387 |
| Memoranda: | ||
| Average total assets | $248,739,670 | 2,541 |
| Average earning assets | $220,955,670 | 2,603 |
| Average equity | $25,092,670 | 2,733 |
| Average total loans | $169,492,000 | 2,424 |
| 2016-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4099% | 1,775 |
| Cost of funding earning assets | 0.7813% | 539 |
| Net interest margin | 3.6287% | 2,974 |
| Noninterest income to average assets | 0.2826% | 4,694 |
| Noninterest expense to average assets | 2.5316% | 3,976 |
| Loan and lease loss provision to assets | 0.1225% | 1,724 |
| Net operating income to assets | 0.5913% | 4,222 |
| Return on assets (ROA) | 0.5913% | 4,334 |
| Pretax return on assets | 0.8526% | 4,024 |
| Return on Equity (ROE) | 5.8253% | 4,068 |
| Retained earnings to average equity (ytd only) | 5.8253% | 2,455 |
| Net charge-offs to loans | -0.0215% | 4,897 |
| Credit loss provision to net charge-offs | -833.3333% | 4,707 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 72.1938% | 2,770 |
| Assets per employee ($millions) | 4.6391% | 2,838 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,863 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5786% | 1,684 |
| Loan loss allowance to noncurrent loans | 409.8336% | 1,244 |
| Noncurrent assets plus other real estate owned to assets | 1.4067% | 1,474 |
| Noncurrent loans to loans | 0.3852% | 4,060 |
| Net loans and leases to total assets | 67.4193% | 2,747 |
| Net loans and leases to deposits | 78.3149% | 2,968 |
| Net loans and leases to core deposits | 83.5766% | 2,969 |
| Total domestic deposits to total assets | 86.0873% | 2,639 |
| Equity capital to assets | 10.0083% | 4,073 |
| Core capital (leverage) ratio | 10.0706% | 3,447 |
| Tier 1 risk-based capital ratio | 13.5829% | 3,929 |
| Total risk-based capital ratio | 14.8361% | 3,862 |
| Memoranda: | ||
| Average total assets | $244,901,500 | 2,582 |
| Average earning assets | $217,599,000 | 2,647 |
| Average equity | $24,857,000 | 2,758 |
| Average total loans | $167,658,500 | 2,429 |
| 2015-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.4197% | 1,835 |
| Cost of funding earning assets | 0.7622% | 604 |
| Net interest margin | 3.6574% | 2,911 |
| Noninterest income to average assets | 0.3604% | 4,320 |
| Noninterest expense to average assets | 2.6125% | 3,879 |
| Loan and lease loss provision to assets | 0.1852% | 1,210 |
| Net operating income to assets | 0.5674% | 4,431 |
| Return on assets (ROA) | 0.5674% | 4,524 |
| Pretax return on assets | 0.7953% | 4,206 |
| Return on Equity (ROE) | 5.4295% | 4,317 |
| Retained earnings to average equity (ytd only) | 5.4295% | 2,115 |
| Net charge-offs to loans | 0.1155% | 2,220 |
| Credit loss provision to net charge-offs | 237.4302% | 1,201 |
| Earnings coverage of net charge-offs (x) | 12.5698% | 2,451 |
| Efficiency ratio | 72.7107% | 2,786 |
| Assets per employee ($millions) | 4.4313% | 3,148 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,258 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6034% | 1,605 |
| Loan loss allowance to noncurrent loans | 433.1683% | 1,187 |
| Noncurrent assets plus other real estate owned to assets | 1.4706% | 1,390 |
| Noncurrent loans to loans | 0.3702% | 4,118 |
| Net loans and leases to total assets | 67.3196% | 2,819 |
| Net loans and leases to deposits | 78.6610% | 2,981 |
| Net loans and leases to core deposits | 84.2384% | 2,946 |
| Total domestic deposits to total assets | 85.5819% | 2,829 |
| Equity capital to assets | 10.2980% | 3,623 |
| Core capital (leverage) ratio | 10.2232% | 3,236 |
| Tier 1 risk-based capital ratio | 14.0484% | 3,687 |
| Total risk-based capital ratio | 15.3024% | 3,607 |
| Memoranda: | ||
| Average total assets | $229,472,000 | 2,671 |
| Average earning assets | $202,820,600 | 2,750 |
| Average equity | $23,980,200 | 2,786 |
| Average total loans | $154,992,000 | 2,527 |
| 2015-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3395% | 2,109 |
| Cost of funding earning assets | 0.7505% | 645 |
| Net interest margin | 3.5891% | 3,204 |
| Noninterest income to average assets | 0.3559% | 4,397 |
| Noninterest expense to average assets | 2.6094% | 3,843 |
| Loan and lease loss provision to assets | 0.2349% | 767 |
| Net operating income to assets | 0.4992% | 4,791 |
| Return on assets (ROA) | 0.4992% | 4,883 |
| Pretax return on assets | 0.6742% | 4,767 |
| Return on Equity (ROE) | 4.7589% | 4,732 |
| Retained earnings to average equity (ytd only) | 4.7589% | 3,083 |
| Net charge-offs to loans | 0.1361% | 1,773 |
| Credit loss provision to net charge-offs | 256.4103% | 1,113 |
| Earnings coverage of net charge-offs (x) | 9.9233% | 2,645 |
| Efficiency ratio | 74.1612% | 2,526 |
| Assets per employee ($millions) | 4.4327% | 3,119 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,801 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6168% | 1,729 |
| Loan loss allowance to noncurrent loans | 368.2584% | 1,339 |
| Noncurrent assets plus other real estate owned to assets | 1.4827% | 1,517 |
| Noncurrent loans to loans | 0.4390% | 4,033 |
| Net loans and leases to total assets | 66.6558% | 2,908 |
| Net loans and leases to deposits | 77.7394% | 3,123 |
| Net loans and leases to core deposits | 83.5087% | 3,100 |
| Total domestic deposits to total assets | 85.7426% | 2,674 |
| Equity capital to assets | 10.1435% | 4,005 |
| Core capital (leverage) ratio | 9.9924% | 3,640 |
| Tier 1 risk-based capital ratio | 13.3472% | 4,219 |
| Total risk-based capital ratio | 14.6009% | 4,140 |
| Memoranda: | ||
| Average total assets | $227,017,500 | 2,709 |
| Average earning assets | $200,047,000 | 2,801 |
| Average equity | $23,814,750 | 2,824 |
| Average total loans | $152,811,500 | 2,568 |
| 2015-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3555% | 1,994 |
| Cost of funding earning assets | 0.7305% | 717 |
| Net interest margin | 3.6250% | 2,998 |
| Noninterest income to average assets | 0.3724% | 4,280 |
| Noninterest expense to average assets | 2.6397% | 3,774 |
| Loan and lease loss provision to assets | 0.2692% | 612 |
| Net operating income to assets | 0.4935% | 4,800 |
| Return on assets (ROA) | 0.4935% | 4,903 |
| Pretax return on assets | 0.6604% | 4,789 |
| Return on Equity (ROE) | 4.6493% | 4,771 |
| Retained earnings to average equity (ytd only) | 4.6493% | 3,082 |
| Net charge-offs to loans | 0.2058% | 1,225 |
| Credit loss provision to net charge-offs | 194.8052% | 1,261 |
| Earnings coverage of net charge-offs (x) | 6.7273% | 2,745 |
| Efficiency ratio | 73.9568% | 2,683 |
| Assets per employee ($millions) | 4.1536% | 3,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,641 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6306% | 1,810 |
| Loan loss allowance to noncurrent loans | 376.0060% | 1,329 |
| Noncurrent assets plus other real estate owned to assets | 1.6522% | 1,454 |
| Noncurrent loans to loans | 0.4337% | 4,182 |
| Net loans and leases to total assets | 65.4349% | 3,063 |
| Net loans and leases to deposits | 76.5501% | 3,205 |
| Net loans and leases to core deposits | 81.9949% | 3,175 |
| Total domestic deposits to total assets | 85.4799% | 2,931 |
| Equity capital to assets | 10.2957% | 3,697 |
| Core capital (leverage) ratio | 10.4909% | 2,973 |
| Tier 1 risk-based capital ratio | 14.1793% | 3,826 |
| Total risk-based capital ratio | 15.4335% | 3,752 |
| Memoranda: | ||
| Average total assets | $222,902,000 | 2,771 |
| Average earning assets | $196,579,000 | 2,854 |
| Average equity | $23,659,670 | 2,845 |
| Average total loans | $149,691,330 | 2,623 |
| 2015-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.3042% | 2,091 |
| Cost of funding earning assets | 0.7112% | 812 |
| Net interest margin | 3.5931% | 3,034 |
| Noninterest income to average assets | 0.3467% | 4,424 |
| Noninterest expense to average assets | 2.7168% | 3,529 |
| Loan and lease loss provision to assets | 0.2752% | 562 |
| Net operating income to assets | 0.4311% | 4,942 |
| Return on assets (ROA) | 0.4311% | 5,062 |
| Pretax return on assets | 0.5522% | 5,041 |
| Return on Equity (ROE) | 3.9974% | 4,985 |
| Retained earnings to average equity (ytd only) | 3.9974% | 3,603 |
| Net charge-offs to loans | -0.0299% | 5,249 |
| Credit loss provision to net charge-offs | -1,363.6364% | 5,038 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 76.6563% | 2,405 |
| Assets per employee ($millions) | 3.9993% | 3,957 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,870 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6828% | 1,782 |
| Loan loss allowance to noncurrent loans | 296.6121% | 1,610 |
| Noncurrent assets plus other real estate owned to assets | 2.2258% | 1,032 |
| Noncurrent loans to loans | 0.5673% | 3,884 |
| Net loans and leases to total assets | 67.4401% | 2,540 |
| Net loans and leases to deposits | 79.5218% | 2,616 |
| Net loans and leases to core deposits | 85.4861% | 2,601 |
| Total domestic deposits to total assets | 84.8071% | 3,506 |
| Equity capital to assets | 10.7772% | 3,226 |
| Core capital (leverage) ratio | 10.6963% | 2,753 |
| Tier 1 risk-based capital ratio | 14.9233% | 3,472 |
| Total risk-based capital ratio | 16.1780% | 3,405 |
| Memoranda: | ||
| Average total assets | $218,052,000 | 2,820 |
| Average earning assets | $194,041,000 | 2,904 |
| Average equity | $23,515,500 | 2,883 |
| Average total loans | $147,174,000 | 2,660 |
| 2014-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9735% | 3,821 |
| Cost of funding earning assets | 0.7281% | 960 |
| Net interest margin | 3.2454% | 4,771 |
| Noninterest income to average assets | 0.1263% | 6,062 |
| Noninterest expense to average assets | 2.4715% | 4,634 |
| Loan and lease loss provision to assets | -0.0748% | 6,097 |
| Net operating income to assets | 0.4754% | 4,903 |
| Return on assets (ROA) | 0.4754% | 4,998 |
| Pretax return on assets | 0.5960% | 4,954 |
| Return on Equity (ROE) | 4.7768% | 4,773 |
| Retained earnings to average equity (ytd only) | 4.7768% | 2,777 |
| Net charge-offs to loans | -0.2435% | 6,293 |
| Credit loss provision to net charge-offs | 55.5556% | 3,365 |
| Earnings coverage of net charge-offs (x) | NA | NA |
| Efficiency ratio | 82.5857% | 1,588 |
| Assets per employee ($millions) | 4.0781% | 3,764 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,317 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.6575% | 1,907 |
| Loan loss allowance to noncurrent loans | 566.1905% | 963 |
| Noncurrent assets plus other real estate owned to assets | 2.0047% | 1,272 |
| Noncurrent loans to loans | 0.2928% | 4,803 |
| Net loans and leases to total assets | 65.2757% | 3,004 |
| Net loans and leases to deposits | 77.0664% | 3,075 |
| Net loans and leases to core deposits | 82.8812% | 3,011 |
| Total domestic deposits to total assets | 84.7007% | 3,417 |
| Equity capital to assets | 10.7916% | 3,130 |
| Core capital (leverage) ratio | 10.3151% | 3,148 |
| Tier 1 risk-based capital ratio | 15.0635% | 3,456 |
| Total risk-based capital ratio | 16.3175% | 3,398 |
| Memoranda: | ||
| Average total assets | $227,188,800 | 2,723 |
| Average earning assets | $200,653,600 | 2,801 |
| Average equity | $22,609,200 | 2,892 |
| Average total loans | $125,662,800 | 2,946 |
| 2014-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8168% | 4,484 |
| Cost of funding earning assets | 0.7354% | 961 |
| Net interest margin | 3.0814% | 5,306 |
| Noninterest income to average assets | 0.3177% | 4,897 |
| Noninterest expense to average assets | 2.4550% | 4,659 |
| Loan and lease loss provision to assets | 0.1623% | 1,532 |
| Net operating income to assets | 0.3746% | 5,346 |
| Return on assets (ROA) | 0.3746% | 5,423 |
| Pretax return on assets | 0.4262% | 5,528 |
| Return on Equity (ROE) | 3.8399% | 5,236 |
| Retained earnings to average equity (ytd only) | 3.8399% | 3,918 |
| Net charge-offs to loans | 0.0748% | 3,129 |
| Credit loss provision to net charge-offs | 411.7647% | 678 |
| Earnings coverage of net charge-offs (x) | 14.9272% | 2,100 |
| Efficiency ratio | 80.6630% | 1,814 |
| Assets per employee ($millions) | 4.3469% | 3,215 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,806 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8067% | 1,680 |
| Loan loss allowance to noncurrent loans | 237.3308% | 1,896 |
| Noncurrent assets plus other real estate owned to assets | 2.2191% | 1,243 |
| Noncurrent loans to loans | 0.7612% | 3,695 |
| Net loans and leases to total assets | 59.0055% | 3,933 |
| Net loans and leases to deposits | 68.9684% | 4,023 |
| Net loans and leases to core deposits | 73.7626% | 3,966 |
| Total domestic deposits to total assets | 85.5543% | 3,094 |
| Equity capital to assets | 10.1177% | 4,029 |
| Core capital (leverage) ratio | 10.0248% | 3,646 |
| Tier 1 risk-based capital ratio | 15.3453% | 3,399 |
| Total risk-based capital ratio | 16.6004% | 3,330 |
| Memoranda: | ||
| Average total assets | $229,951,000 | 2,720 |
| Average earning assets | $203,409,000 | 2,790 |
| Average equity | $22,430,250 | 2,912 |
| Average total loans | $121,212,250 | 3,032 |
| 2014-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.7231% | 4,790 |
| Cost of funding earning assets | 0.7587% | 888 |
| Net interest margin | 2.9644% | 5,602 |
| Noninterest income to average assets | 0.2828% | 5,161 |
| Noninterest expense to average assets | 2.4380% | 4,776 |
| Loan and lease loss provision to assets | 0.1513% | 1,629 |
| Net operating income to assets | 0.3122% | 5,529 |
| Return on assets (ROA) | 0.3122% | 5,602 |
| Pretax return on assets | 0.3157% | 5,755 |
| Return on Equity (ROE) | 3.2400% | 5,445 |
| Retained earnings to average equity (ytd only) | 3.2400% | 4,142 |
| Net charge-offs to loans | 0.0722% | 2,981 |
| Credit loss provision to net charge-offs | 416.6667% | 670 |
| Earnings coverage of net charge-offs (x) | 12.8571% | 2,028 |
| Efficiency ratio | 83.9238% | 1,525 |
| Assets per employee ($millions) | 4.3853% | 3,111 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,638 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9097% | 1,563 |
| Loan loss allowance to noncurrent loans | 195.8746% | 2,176 |
| Noncurrent assets plus other real estate owned to assets | 2.2111% | 1,372 |
| Noncurrent loans to loans | 0.9750% | 3,286 |
| Net loans and leases to total assets | 52.4643% | 4,699 |
| Net loans and leases to deposits | 60.9644% | 4,787 |
| Net loans and leases to core deposits | 65.2350% | 4,712 |
| Total domestic deposits to total assets | 86.0572% | 3,011 |
| Equity capital to assets | 9.6953% | 4,497 |
| Core capital (leverage) ratio | 9.8945% | 3,751 |
| Tier 1 risk-based capital ratio | 16.6907% | 2,748 |
| Total risk-based capital ratio | 17.9474% | 2,710 |
| Memoranda: | ||
| Average total assets | $231,254,670 | 2,713 |
| Average earning assets | $204,561,000 | 2,787 |
| Average equity | $22,283,670 | 2,916 |
| Average total loans | $116,339,670 | 3,131 |
| 2014-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.6520% | 4,999 |
| Cost of funding earning assets | 0.8011% | 740 |
| Net interest margin | 2.8508% | 5,848 |
| Noninterest income to average assets | 0.3139% | 4,852 |
| Noninterest expense to average assets | 2.5040% | 4,610 |
| Loan and lease loss provision to assets | 0.1214% | 1,979 |
| Net operating income to assets | 0.2653% | 5,613 |
| Return on assets (ROA) | 0.2653% | 5,657 |
| Pretax return on assets | 0.2185% | 5,891 |
| Return on Equity (ROE) | 2.7619% | 5,540 |
| Retained earnings to average equity (ytd only) | 2.7619% | 4,430 |
| Net charge-offs to loans | 0.0534% | 2,633 |
| Credit loss provision to net charge-offs | 466.6667% | 573 |
| Earnings coverage of net charge-offs (x) | 13.0667% | 1,684 |
| Efficiency ratio | 88.0488% | 1,222 |
| Assets per employee ($millions) | 4.6235% | 2,765 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,852 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9989% | 1,517 |
| Loan loss allowance to noncurrent loans | 77.5751% | 4,254 |
| Noncurrent assets plus other real estate owned to assets | 2.3796% | 1,367 |
| Noncurrent loans to loans | 2.5767% | 1,338 |
| Net loans and leases to total assets | 48.7161% | 5,037 |
| Net loans and leases to deposits | 56.5405% | 5,071 |
| Net loans and leases to core deposits | 60.3862% | 5,000 |
| Total domestic deposits to total assets | 86.1615% | 3,272 |
| Equity capital to assets | 9.6343% | 4,312 |
| Core capital (leverage) ratio | 9.6006% | 4,131 |
| Tier 1 risk-based capital ratio | 17.4113% | 2,512 |
| Total risk-based capital ratio | 18.6681% | 2,474 |
| Memoranda: | ||
| Average total assets | $230,671,500 | 2,739 |
| Average earning assets | $204,711,000 | 2,801 |
| Average equity | $22,158,500 | 2,928 |
| Average total loans | $112,353,500 | 3,214 |
| 2013-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9483% | 4,291 |
| Cost of funding earning assets | 0.9698% | 528 |
| Net interest margin | 2.9785% | 5,627 |
| Noninterest income to average assets | 0.6138% | 3,004 |
| Noninterest expense to average assets | 2.5483% | 4,617 |
| Loan and lease loss provision to assets | 0.1217% | 2,790 |
| Net operating income to assets | 0.5293% | 4,601 |
| Return on assets (ROA) | 0.5293% | 4,723 |
| Pretax return on assets | 0.6488% | 4,705 |
| Return on Equity (ROE) | 5.5239% | 4,377 |
| Retained earnings to average equity (ytd only) | 5.5239% | 2,263 |
| Net charge-offs to loans | 0.1638% | 3,172 |
| Credit loss provision to net charge-offs | 151.9337% | 1,525 |
| Earnings coverage of net charge-offs (x) | 9.6188% | 2,480 |
| Efficiency ratio | 76.7836% | 2,659 |
| Assets per employee ($millions) | 4.2624% | 3,334 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,285 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0421% | 1,457 |
| Loan loss allowance to noncurrent loans | 74.4603% | 4,351 |
| Noncurrent assets plus other real estate owned to assets | 2.3222% | 1,506 |
| Noncurrent loans to loans | 2.7425% | 1,310 |
| Net loans and leases to total assets | 46.7261% | 5,421 |
| Net loans and leases to deposits | 54.2560% | 5,448 |
| Net loans and leases to core deposits | 57.9626% | 5,396 |
| Total domestic deposits to total assets | 86.1215% | 3,192 |
| Equity capital to assets | 9.5777% | 4,316 |
| Core capital (leverage) ratio | 9.5913% | 4,123 |
| Tier 1 risk-based capital ratio | 18.0154% | 2,245 |
| Total risk-based capital ratio | 19.2724% | 2,212 |
| Memoranda: | ||
| Average total assets | $225,953,400 | 2,758 |
| Average earning assets | $205,200,800 | 2,778 |
| Average equity | $21,651,400 | 2,966 |
| Average total loans | $110,478,000 | 3,235 |
| 2013-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.9026% | 4,493 |
| Cost of funding earning assets | 1.0067% | 475 |
| Net interest margin | 2.8959% | 5,826 |
| Noninterest income to average assets | 0.4417% | 4,211 |
| Noninterest expense to average assets | 2.5777% | 4,470 |
| Loan and lease loss provision to assets | 0.1630% | 2,217 |
| Net operating income to assets | 0.3415% | 5,461 |
| Return on assets (ROA) | 0.3415% | 5,589 |
| Pretax return on assets | 0.3409% | 5,770 |
| Return on Equity (ROE) | 3.5632% | 5,412 |
| Retained earnings to average equity (ytd only) | 3.5632% | 4,164 |
| Net charge-offs to loans | 0.2699% | 2,201 |
| Credit loss provision to net charge-offs | 122.7679% | 1,912 |
| Earnings coverage of net charge-offs (x) | 3.7946% | 3,609 |
| Efficiency ratio | 83.6476% | 1,646 |
| Assets per employee ($millions) | 4.1144% | 3,611 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,738 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0251% | 1,662 |
| Loan loss allowance to noncurrent loans | 55.1404% | 5,004 |
| Noncurrent assets plus other real estate owned to assets | 2.8592% | 1,299 |
| Noncurrent loans to loans | 3.6727% | 1,006 |
| Net loans and leases to total assets | 47.0136% | 5,446 |
| Net loans and leases to deposits | 54.5535% | 5,490 |
| Net loans and leases to core deposits | 58.6765% | 5,391 |
| Total domestic deposits to total assets | 86.1788% | 3,145 |
| Equity capital to assets | 9.4869% | 4,573 |
| Core capital (leverage) ratio | 9.5578% | 4,320 |
| Tier 1 risk-based capital ratio | 17.6259% | 2,471 |
| Total risk-based capital ratio | 18.8827% | 2,435 |
| Memoranda: | ||
| Average total assets | $224,899,500 | 2,785 |
| Average earning assets | $205,019,500 | 2,809 |
| Average equity | $21,553,000 | 3,010 |
| Average total loans | $110,649,750 | 3,253 |
| 2013-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8922% | 4,510 |
| Cost of funding earning assets | 1.0612% | 405 |
| Net interest margin | 2.8309% | 5,941 |
| Noninterest income to average assets | 0.4955% | 3,866 |
| Noninterest expense to average assets | 2.5994% | 4,392 |
| Loan and lease loss provision to assets | 0.2005% | 1,894 |
| Net operating income to assets | 0.3137% | 5,552 |
| Return on assets (ROA) | 0.3137% | 5,703 |
| Pretax return on assets | 0.2914% | 5,900 |
| Return on Equity (ROE) | 3.2621% | 5,513 |
| Retained earnings to average equity (ytd only) | 3.2621% | 4,226 |
| Net charge-offs to loans | 0.2138% | 2,483 |
| Credit loss provision to net charge-offs | 189.0756% | 1,263 |
| Earnings coverage of net charge-offs (x) | 4.6387% | 3,080 |
| Efficiency ratio | 84.0876% | 1,624 |
| Assets per employee ($millions) | 4.1346% | 3,504 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,522 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0301% | 1,788 |
| Loan loss allowance to noncurrent loans | 49.4732% | 5,230 |
| Noncurrent assets plus other real estate owned to assets | 3.0027% | 1,349 |
| Noncurrent loans to loans | 4.1034% | 933 |
| Net loans and leases to total assets | 48.7197% | 5,259 |
| Net loans and leases to deposits | 56.7035% | 5,276 |
| Net loans and leases to core deposits | 61.3023% | 5,155 |
| Total domestic deposits to total assets | 85.9201% | 3,414 |
| Equity capital to assets | 9.6408% | 4,398 |
| Core capital (leverage) ratio | 9.2215% | 4,663 |
| Tier 1 risk-based capital ratio | 17.3808% | 2,564 |
| Total risk-based capital ratio | 18.6383% | 2,529 |
| Memoranda: | ||
| Average total assets | $224,436,000 | 2,796 |
| Average earning assets | $205,797,330 | 2,799 |
| Average equity | $21,581,330 | 3,029 |
| Average total loans | $111,337,670 | 3,240 |
| 2013-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 3.8851% | 4,534 |
| Cost of funding earning assets | 1.0750% | 420 |
| Net interest margin | 2.8101% | 6,011 |
| Noninterest income to average assets | 0.2862% | 5,414 |
| Noninterest expense to average assets | 2.5189% | 4,689 |
| Loan and lease loss provision to assets | 0.1333% | 2,571 |
| Net operating income to assets | 0.2738% | 5,650 |
| Return on assets (ROA) | 0.2738% | 5,772 |
| Pretax return on assets | 0.2222% | 6,035 |
| Return on Equity (ROE) | 2.8506% | 5,642 |
| Retained earnings to average equity (ytd only) | 2.8506% | 4,569 |
| Net charge-offs to loans | 0.0861% | 2,976 |
| Credit loss provision to net charge-offs | 312.5000% | 771 |
| Earnings coverage of net charge-offs (x) | 8.3333% | 1,954 |
| Efficiency ratio | 87.6314% | 1,361 |
| Assets per employee ($millions) | 4.1871% | 3,565 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,673 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9957% | 2,057 |
| Loan loss allowance to noncurrent loans | 45.9640% | 5,328 |
| Noncurrent assets plus other real estate owned to assets | 3.4449% | 1,239 |
| Noncurrent loans to loans | 4.3419% | 987 |
| Net loans and leases to total assets | 47.7384% | 5,253 |
| Net loans and leases to deposits | 57.8009% | 5,061 |
| Net loans and leases to core deposits | 62.8467% | 4,864 |
| Total domestic deposits to total assets | 82.5911% | 4,996 |
| Equity capital to assets | 9.5709% | 4,753 |
| Core capital (leverage) ratio | 9.2300% | 4,513 |
| Tier 1 risk-based capital ratio | 17.1696% | 2,685 |
| Total risk-based capital ratio | 18.4276% | 2,655 |
| Memoranda: | ||
| Average total assets | $225,019,500 | 2,822 |
| Average earning assets | $207,256,000 | 2,820 |
| Average equity | $21,609,500 | 3,071 |
| Average total loans | $111,491,500 | 3,262 |
| 2012-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.5178% | 3,325 |
| Cost of funding earning assets | 1.2023% | 573 |
| Net interest margin | 3.3155% | 5,201 |
| Noninterest income to average assets | 0.3100% | 5,233 |
| Noninterest expense to average assets | 2.6285% | 4,649 |
| Loan and lease loss provision to assets | 0.3452% | 1,942 |
| Net operating income to assets | 0.3488% | 5,298 |
| Return on assets (ROA) | 0.4366% | 5,184 |
| Pretax return on assets | 0.4995% | 5,282 |
| Return on Equity (ROE) | 4.3447% | 5,002 |
| Retained earnings to average equity (ytd only) | 4.3447% | 3,169 |
| Net charge-offs to loans | 0.5054% | 2,222 |
| Credit loss provision to net charge-offs | 126.0870% | 2,240 |
| Earnings coverage of net charge-offs (x) | 2.7165% | 4,070 |
| Efficiency ratio | 77.9441% | 2,453 |
| Assets per employee ($millions) | 3.9989% | 3,951 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,298 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.9035% | 2,284 |
| Loan loss allowance to noncurrent loans | 30.2365% | 6,054 |
| Noncurrent assets plus other real estate owned to assets | 3.6336% | 1,229 |
| Noncurrent loans to loans | 6.2952% | 546 |
| Net loans and leases to total assets | 49.4333% | 5,250 |
| Net loans and leases to deposits | 59.9969% | 5,023 |
| Net loans and leases to core deposits | 65.1316% | 4,822 |
| Total domestic deposits to total assets | 82.3932% | 4,969 |
| Equity capital to assets | 9.6362% | 4,682 |
| Core capital (leverage) ratio | 9.6211% | 3,928 |
| Tier 1 risk-based capital ratio | 17.0578% | 2,624 |
| Total risk-based capital ratio | 18.3140% | 2,585 |
| Memoranda: | ||
| Average total assets | $210,008,800 | 2,923 |
| Average earning assets | $193,966,000 | 2,913 |
| Average equity | $21,106,200 | 3,083 |
| Average total loans | $113,764,200 | 3,212 |
| 2012-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.6607% | 2,965 |
| Cost of funding earning assets | 1.2246% | 622 |
| Net interest margin | 3.4362% | 4,894 |
| Noninterest income to average assets | 0.3518% | 5,004 |
| Noninterest expense to average assets | 2.6624% | 4,521 |
| Loan and lease loss provision to assets | 0.3067% | 2,156 |
| Net operating income to assets | 0.4690% | 4,959 |
| Return on assets (ROA) | 0.4771% | 5,188 |
| Pretax return on assets | 0.5681% | 5,259 |
| Return on Equity (ROE) | 4.6946% | 4,967 |
| Retained earnings to average equity (ytd only) | 4.6946% | 3,594 |
| Net charge-offs to loans | 0.4140% | 2,433 |
| Credit loss provision to net charge-offs | 134.1808% | 2,144 |
| Earnings coverage of net charge-offs (x) | 3.7853% | 3,512 |
| Efficiency ratio | 75.4758% | 2,751 |
| Assets per employee ($millions) | 3.8547% | 4,188 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,713 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8674% | 2,592 |
| Loan loss allowance to noncurrent loans | 32.4751% | 6,013 |
| Noncurrent assets plus other real estate owned to assets | 3.6324% | 1,371 |
| Noncurrent loans to loans | 5.7503% | 734 |
| Net loans and leases to total assets | 52.5227% | 4,981 |
| Net loans and leases to deposits | 64.4309% | 4,667 |
| Net loans and leases to core deposits | 70.3490% | 4,458 |
| Total domestic deposits to total assets | 81.5179% | 5,185 |
| Equity capital to assets | 10.0849% | 4,379 |
| Core capital (leverage) ratio | 9.6913% | 3,974 |
| Tier 1 risk-based capital ratio | 17.4473% | 2,561 |
| Total risk-based capital ratio | 18.7039% | 2,523 |
| Memoranda: | ||
| Average total assets | $206,527,000 | 3,002 |
| Average earning assets | $190,866,250 | 2,982 |
| Average equity | $20,988,000 | 3,118 |
| Average total loans | $113,993,500 | 3,237 |
| 2012-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7635% | 2,665 |
| Cost of funding earning assets | 1.2425% | 676 |
| Net interest margin | 3.5210% | 4,589 |
| Noninterest income to average assets | 0.2589% | 5,720 |
| Noninterest expense to average assets | 2.7074% | 4,382 |
| Loan and lease loss provision to assets | 0.2931% | 2,236 |
| Net operating income to assets | 0.4388% | 5,082 |
| Return on assets (ROA) | 0.4514% | 5,270 |
| Pretax return on assets | 0.5237% | 5,380 |
| Return on Equity (ROE) | 4.4302% | 5,072 |
| Retained earnings to average equity (ytd only) | 4.4302% | 3,655 |
| Net charge-offs to loans | 0.5676% | 1,891 |
| Credit loss provision to net charge-offs | 92.5926% | 2,963 |
| Earnings coverage of net charge-offs (x) | 2.5340% | 3,745 |
| Efficiency ratio | 77.1437% | 2,572 |
| Assets per employee ($millions) | 3.8947% | 4,087 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,523 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7321% | 3,102 |
| Loan loss allowance to noncurrent loans | 29.0232% | 6,195 |
| Noncurrent assets plus other real estate owned to assets | 4.3387% | 1,149 |
| Noncurrent loans to loans | 5.9679% | 740 |
| Net loans and leases to total assets | 54.2273% | 4,758 |
| Net loans and leases to deposits | 66.8774% | 4,384 |
| Net loans and leases to core deposits | 73.4734% | 4,100 |
| Total domestic deposits to total assets | 81.0847% | 5,439 |
| Equity capital to assets | 10.2243% | 4,024 |
| Core capital (leverage) ratio | 9.8472% | 3,651 |
| Tier 1 risk-based capital ratio | 16.6031% | 2,859 |
| Total risk-based capital ratio | 17.8576% | 2,815 |
| Memoranda: | ||
| Average total assets | $204,699,000 | 3,033 |
| Average earning assets | $188,978,000 | 3,009 |
| Average equity | $20,857,000 | 3,125 |
| Average total loans | $114,167,000 | 3,248 |
| 2012-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.8308% | 2,519 |
| Cost of funding earning assets | 1.2589% | 749 |
| Net interest margin | 3.5719% | 4,386 |
| Noninterest income to average assets | 0.2080% | 6,138 |
| Noninterest expense to average assets | 2.7904% | 4,071 |
| Loan and lease loss provision to assets | 0.2944% | 2,121 |
| Net operating income to assets | 0.3937% | 5,281 |
| Return on assets (ROA) | 0.4199% | 5,360 |
| Pretax return on assets | 0.4710% | 5,523 |
| Return on Equity (ROE) | 4.1287% | 5,235 |
| Retained earnings to average equity (ytd only) | 4.1287% | 4,115 |
| Net charge-offs to loans | 0.5110% | 1,812 |
| Credit loss provision to net charge-offs | 102.7397% | 2,242 |
| Earnings coverage of net charge-offs (x) | 2.5685% | 3,142 |
| Efficiency ratio | 79.1319% | 2,326 |
| Assets per employee ($millions) | 3.7890% | 4,449 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,732 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7680% | 3,099 |
| Loan loss allowance to noncurrent loans | 28.5633% | 6,242 |
| Noncurrent assets plus other real estate owned to assets | 4.4672% | 1,199 |
| Noncurrent loans to loans | 6.1897% | 802 |
| Net loans and leases to total assets | 54.3655% | 4,661 |
| Net loans and leases to deposits | 66.9939% | 4,236 |
| Net loans and leases to core deposits | 73.5247% | 3,958 |
| Total domestic deposits to total assets | 81.1499% | 5,562 |
| Equity capital to assets | 10.1596% | 3,900 |
| Core capital (leverage) ratio | 9.7183% | 3,746 |
| Tier 1 risk-based capital ratio | 16.5612% | 2,881 |
| Total risk-based capital ratio | 17.8160% | 2,843 |
| Memoranda: | ||
| Average total assets | $203,838,500 | 3,061 |
| Average earning assets | $189,368,500 | 3,024 |
| Average equity | $20,733,000 | 3,139 |
| Average total loans | $114,296,000 | 3,273 |
| 2011-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7226% | 4,156 |
| Cost of funding earning assets | 1.4149% | 973 |
| Net interest margin | 3.3077% | 5,788 |
| Noninterest income to average assets | 0.2392% | 5,826 |
| Noninterest expense to average assets | 2.6425% | 4,951 |
| Loan and lease loss provision to assets | 0.2768% | 3,453 |
| Net operating income to assets | 0.3608% | 5,029 |
| Return on assets (ROA) | 0.3673% | 5,170 |
| Pretax return on assets | 0.4390% | 5,174 |
| Return on Equity (ROE) | 3.8016% | 4,948 |
| Retained earnings to average equity (ytd only) | 3.8016% | 3,511 |
| Net charge-offs to loans | 0.9219% | 1,880 |
| Credit loss provision to net charge-offs | 53.5881% | 5,332 |
| Earnings coverage of net charge-offs (x) | 1.3709% | 4,743 |
| Efficiency ratio | 78.8680% | 2,474 |
| Assets per employee ($millions) | 3.6263% | 4,712 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,078 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7320% | 3,084 |
| Loan loss allowance to noncurrent loans | 30.7716% | 6,151 |
| Noncurrent assets plus other real estate owned to assets | 4.1153% | 1,393 |
| Noncurrent loans to loans | 5.6287% | 928 |
| Net loans and leases to total assets | 55.8213% | 4,744 |
| Net loans and leases to deposits | 68.8270% | 4,304 |
| Net loans and leases to core deposits | 75.5297% | 4,040 |
| Total domestic deposits to total assets | 81.1038% | 5,422 |
| Equity capital to assets | 10.1830% | 3,930 |
| Core capital (leverage) ratio | 9.5250% | 3,985 |
| Tier 1 risk-based capital ratio | 16.2898% | 2,913 |
| Total risk-based capital ratio | 17.5445% | 2,880 |
| Memoranda: | ||
| Average total assets | $207,754,000 | 2,970 |
| Average earning assets | $195,423,600 | 2,911 |
| Average equity | $20,070,400 | 3,131 |
| Average total loans | $116,393,800 | 3,246 |
| 2011-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7106% | 4,407 |
| Cost of funding earning assets | 1.4385% | 1,079 |
| Net interest margin | 3.2721% | 5,945 |
| Noninterest income to average assets | 0.2042% | 6,145 |
| Noninterest expense to average assets | 2.5840% | 5,138 |
| Loan and lease loss provision to assets | 0.3031% | 3,105 |
| Net operating income to assets | 0.3363% | 5,268 |
| Return on assets (ROA) | 0.3363% | 5,438 |
| Pretax return on assets | 0.3976% | 5,481 |
| Return on Equity (ROE) | 3.5277% | 5,211 |
| Retained earnings to average equity (ytd only) | 3.5277% | 4,229 |
| Net charge-offs to loans | 1.0172% | 1,583 |
| Credit loss provision to net charge-offs | 53.3708% | 4,962 |
| Earnings coverage of net charge-offs (x) | 1.2337% | 4,690 |
| Efficiency ratio | 78.6672% | 2,448 |
| Assets per employee ($millions) | 3.6858% | 4,560 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,512 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7938% | 2,969 |
| Loan loss allowance to noncurrent loans | 25.7486% | 6,454 |
| Noncurrent assets plus other real estate owned to assets | 4.5005% | 1,334 |
| Noncurrent loans to loans | 6.9667% | 715 |
| Net loans and leases to total assets | 53.2932% | 5,279 |
| Net loans and leases to deposits | 64.9536% | 5,053 |
| Net loans and leases to core deposits | 71.9633% | 4,719 |
| Total domestic deposits to total assets | 82.0480% | 5,074 |
| Equity capital to assets | 9.5609% | 4,989 |
| Core capital (leverage) ratio | 9.2880% | 4,466 |
| Tier 1 risk-based capital ratio | 16.1702% | 3,027 |
| Total risk-based capital ratio | 17.4260% | 2,988 |
| Memoranda: | ||
| Average total assets | $208,924,250 | 2,969 |
| Average earning assets | $196,688,000 | 2,907 |
| Average equity | $19,918,250 | 3,156 |
| Average total loans | $116,653,250 | 3,271 |
| 2011-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7529% | 4,285 |
| Cost of funding earning assets | 1.4697% | 1,118 |
| Net interest margin | 3.2833% | 5,910 |
| Noninterest income to average assets | 0.1814% | 6,360 |
| Noninterest expense to average assets | 2.5633% | 5,315 |
| Loan and lease loss provision to assets | 0.3618% | 2,622 |
| Net operating income to assets | 0.3107% | 5,330 |
| Return on assets (ROA) | 0.3107% | 5,467 |
| Pretax return on assets | 0.3599% | 5,518 |
| Return on Equity (ROE) | 3.2616% | 5,273 |
| Retained earnings to average equity (ytd only) | 3.2616% | 4,187 |
| Net charge-offs to loans | 0.8180% | 1,868 |
| Credit loss provision to net charge-offs | 78.4519% | 3,823 |
| Earnings coverage of net charge-offs (x) | 1.5649% | 4,116 |
| Efficiency ratio | 78.0323% | 2,705 |
| Assets per employee ($millions) | 3.5158% | 4,904 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,290 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.0439% | 2,247 |
| Loan loss allowance to noncurrent loans | 34.1369% | 6,041 |
| Noncurrent assets plus other real estate owned to assets | 4.3542% | 1,455 |
| Noncurrent loans to loans | 5.9875% | 999 |
| Net loans and leases to total assets | 55.2880% | 5,105 |
| Net loans and leases to deposits | 67.6169% | 4,768 |
| Net loans and leases to core deposits | 75.1117% | 4,417 |
| Total domestic deposits to total assets | 81.7666% | 5,249 |
| Equity capital to assets | 9.7044% | 4,531 |
| Core capital (leverage) ratio | 9.3376% | 4,194 |
| Tier 1 risk-based capital ratio | 15.4174% | 3,285 |
| Total risk-based capital ratio | 16.6755% | 3,224 |
| Memoranda: | ||
| Average total assets | $207,307,000 | 3,004 |
| Average earning assets | $195,963,000 | 2,923 |
| Average equity | $19,744,670 | 3,163 |
| Average total loans | $116,868,000 | 3,294 |
| 2011-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.7008% | 4,522 |
| Cost of funding earning assets | 1.5017% | 1,157 |
| Net interest margin | 3.1991% | 6,068 |
| Noninterest income to average assets | 0.1660% | 6,540 |
| Noninterest expense to average assets | 2.5303% | 5,447 |
| Loan and lease loss provision to assets | 0.4343% | 2,025 |
| Net operating income to assets | 0.2258% | 5,699 |
| Return on assets (ROA) | 0.2258% | 5,765 |
| Pretax return on assets | 0.2316% | 5,862 |
| Return on Equity (ROE) | 2.3936% | 5,639 |
| Retained earnings to average equity (ytd only) | 2.3936% | 4,717 |
| Net charge-offs to loans | 0.7776% | 1,657 |
| Credit loss provision to net charge-offs | 99.1189% | 2,750 |
| Earnings coverage of net charge-offs (x) | 1.5198% | 3,569 |
| Efficiency ratio | 79.1667% | 2,668 |
| Assets per employee ($millions) | 3.5624% | 4,847 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,514 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1572% | 2,061 |
| Loan loss allowance to noncurrent loans | 29.1049% | 6,347 |
| Noncurrent assets plus other real estate owned to assets | 4.6021% | 1,402 |
| Noncurrent loans to loans | 7.4117% | 703 |
| Net loans and leases to total assets | 54.7481% | 5,204 |
| Net loans and leases to deposits | 66.8433% | 4,854 |
| Net loans and leases to core deposits | 74.4658% | 4,487 |
| Total domestic deposits to total assets | 81.9050% | 5,347 |
| Equity capital to assets | 9.4816% | 4,463 |
| Core capital (leverage) ratio | 9.1668% | 4,344 |
| Tier 1 risk-based capital ratio | 15.7065% | 3,054 |
| Total risk-based capital ratio | 16.9710% | 3,005 |
| Memoranda: | ||
| Average total assets | $207,244,500 | 3,021 |
| Average earning assets | $196,306,000 | 2,926 |
| Average equity | $19,552,000 | 3,178 |
| Average total loans | $116,763,000 | 3,319 |
| 2010-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 4.9899% | 4,612 |
| Cost of funding earning assets | 1.5825% | 2,176 |
| Net interest margin | 3.4074% | 5,599 |
| Noninterest income to average assets | 0.3242% | 5,467 |
| Noninterest expense to average assets | 2.5704% | 5,542 |
| Loan and lease loss provision to assets | 0.5489% | 2,941 |
| Net operating income to assets | 0.3140% | 4,887 |
| Return on assets (ROA) | 0.3140% | 5,056 |
| Pretax return on assets | 0.4228% | 4,876 |
| Return on Equity (ROE) | 3.5333% | 4,734 |
| Retained earnings to average equity (ytd only) | 3.5333% | 3,383 |
| Net charge-offs to loans | 0.5778% | 3,313 |
| Credit loss provision to net charge-offs | 159.4595% | 2,196 |
| Earnings coverage of net charge-offs (x) | 2.8230% | 3,666 |
| Efficiency ratio | 72.5673% | 3,689 |
| Assets per employee ($millions) | 3.5232% | 4,884 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,950 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 2.1169% | 2,032 |
| Loan loss allowance to noncurrent loans | 30.6145% | 6,253 |
| Noncurrent assets plus other real estate owned to assets | 4.4442% | 1,500 |
| Noncurrent loans to loans | 6.9145% | 823 |
| Net loans and leases to total assets | 55.5232% | 5,414 |
| Net loans and leases to deposits | 67.6881% | 5,144 |
| Net loans and leases to core deposits | 75.5398% | 4,780 |
| Total domestic deposits to total assets | 82.0280% | 5,177 |
| Equity capital to assets | 9.3872% | 4,563 |
| Core capital (leverage) ratio | 8.8021% | 4,849 |
| Tier 1 risk-based capital ratio | 15.1523% | 3,168 |
| Total risk-based capital ratio | 16.4162% | 3,105 |
| Memoranda: | ||
| Average total assets | $214,983,200 | 2,926 |
| Average earning assets | $203,029,800 | 2,834 |
| Average equity | $19,104,200 | 3,268 |
| Average total loans | $128,075,200 | 3,158 |
| 2010-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.0540% | 4,574 |
| Cost of funding earning assets | 1.5932% | 2,425 |
| Net interest margin | 3.4608% | 5,451 |
| Noninterest income to average assets | 0.3543% | 5,329 |
| Noninterest expense to average assets | 2.5773% | 5,409 |
| Loan and lease loss provision to assets | 0.6182% | 2,468 |
| Net operating income to assets | 0.3094% | 5,128 |
| Return on assets (ROA) | 0.3094% | 5,299 |
| Pretax return on assets | 0.4244% | 5,153 |
| Return on Equity (ROE) | 3.5294% | 4,992 |
| Retained earnings to average equity (ytd only) | 3.5294% | 3,968 |
| Net charge-offs to loans | 0.7676% | 2,509 |
| Credit loss provision to net charge-offs | 133.6436% | 3,022 |
| Earnings coverage of net charge-offs (x) | 2.2540% | 4,045 |
| Efficiency ratio | 71.1980% | 3,852 |
| Assets per employee ($millions) | 4.0262% | 3,782 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,526 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.8741% | 2,560 |
| Loan loss allowance to noncurrent loans | 27.9303% | 6,457 |
| Noncurrent assets plus other real estate owned to assets | 3.9816% | 1,761 |
| Noncurrent loans to loans | 6.7101% | 873 |
| Net loans and leases to total assets | 54.5940% | 5,758 |
| Net loans and leases to deposits | 65.8127% | 5,687 |
| Net loans and leases to core deposits | 73.3260% | 5,375 |
| Total domestic deposits to total assets | 82.9535% | 4,608 |
| Equity capital to assets | 8.9446% | 5,653 |
| Core capital (leverage) ratio | 8.3370% | 5,807 |
| Tier 1 risk-based capital ratio | 14.4526% | 3,531 |
| Total risk-based capital ratio | 15.7168% | 3,495 |
| Memoranda: | ||
| Average total assets | $216,762,000 | 2,952 |
| Average earning assets | $204,532,250 | 2,863 |
| Average equity | $19,002,000 | 3,315 |
| Average total loans | $130,616,250 | 3,160 |
| 2010-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1659% | 4,111 |
| Cost of funding earning assets | 1.6059% | 2,622 |
| Net interest margin | 3.5599% | 5,000 |
| Noninterest income to average assets | 0.3717% | 5,166 |
| Noninterest expense to average assets | 2.6227% | 5,237 |
| Loan and lease loss provision to assets | 0.7249% | 2,009 |
| Net operating income to assets | 0.2695% | 5,299 |
| Return on assets (ROA) | 0.2695% | 5,447 |
| Pretax return on assets | 0.3699% | 5,306 |
| Return on Equity (ROE) | 3.0960% | 5,176 |
| Retained earnings to average equity (ytd only) | 3.0960% | 4,140 |
| Net charge-offs to loans | 0.9227% | 1,988 |
| Credit loss provision to net charge-offs | 127.0358% | 3,164 |
| Earnings coverage of net charge-offs (x) | 1.9186% | 4,079 |
| Efficiency ratio | 70.5500% | 4,073 |
| Assets per employee ($millions) | 4.0397% | 3,694 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,319 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.7712% | 2,813 |
| Loan loss allowance to noncurrent loans | 23.3821% | 6,768 |
| Noncurrent assets plus other real estate owned to assets | 4.5246% | 1,461 |
| Noncurrent loans to loans | 7.5751% | 704 |
| Net loans and leases to total assets | 55.4628% | 5,786 |
| Net loans and leases to deposits | 66.6106% | 5,732 |
| Net loans and leases to core deposits | 74.7581% | 5,358 |
| Total domestic deposits to total assets | 83.2642% | 4,463 |
| Equity capital to assets | 8.6829% | 5,908 |
| Core capital (leverage) ratio | 8.4553% | 5,488 |
| Tier 1 risk-based capital ratio | 13.4243% | 4,120 |
| Total risk-based capital ratio | 14.6787% | 4,081 |
| Memoranda: | ||
| Average total assets | $215,202,000 | 2,997 |
| Average earning assets | $202,250,670 | 2,914 |
| Average equity | $18,733,670 | 3,346 |
| Average total loans | $133,087,330 | 3,151 |
| 2010-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.1698% | 4,197 |
| Cost of funding earning assets | 1.5966% | 2,986 |
| Net interest margin | 3.5732% | 4,843 |
| Noninterest income to average assets | 0.3628% | 5,238 |
| Noninterest expense to average assets | 2.7811% | 4,557 |
| Loan and lease loss provision to assets | 0.7652% | 1,657 |
| Net operating income to assets | 0.1549% | 5,837 |
| Return on assets (ROA) | 0.1549% | 5,963 |
| Pretax return on assets | 0.1908% | 5,896 |
| Return on Equity (ROE) | 1.7773% | 5,847 |
| Retained earnings to average equity (ytd only) | 1.7773% | 5,047 |
| Net charge-offs to loans | 1.1687% | 1,448 |
| Credit loss provision to net charge-offs | 101.2500% | 3,354 |
| Earnings coverage of net charge-offs (x) | 1.2650% | 3,994 |
| Efficiency ratio | 74.4186% | 3,507 |
| Assets per employee ($millions) | 3.6730% | 4,644 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,528 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5255% | 3,776 |
| Loan loss allowance to noncurrent loans | 20.3295% | 6,988 |
| Noncurrent assets plus other real estate owned to assets | 5.0573% | 1,263 |
| Noncurrent loans to loans | 7.5038% | 763 |
| Net loans and leases to total assets | 63.5469% | 4,418 |
| Net loans and leases to deposits | 76.9862% | 4,224 |
| Net loans and leases to core deposits | 87.5197% | 3,678 |
| Total domestic deposits to total assets | 82.5432% | 4,832 |
| Equity capital to assets | 8.9247% | 5,386 |
| Core capital (leverage) ratio | 8.6242% | 5,168 |
| Tier 1 risk-based capital ratio | 12.5043% | 4,744 |
| Total risk-based capital ratio | 13.7564% | 4,693 |
| Memoranda: | ||
| Average total assets | $211,711,500 | 3,084 |
| Average earning assets | $199,930,500 | 3,000 |
| Average equity | $18,454,500 | 3,409 |
| Average total loans | $136,905,500 | 3,132 |
| 2009-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4186% | 4,599 |
| Cost of funding earning assets | 2.2979% | 1,671 |
| Net interest margin | 3.1207% | 6,312 |
| Noninterest income to average assets | 0.2758% | 6,134 |
| Noninterest expense to average assets | 2.5863% | 5,839 |
| Loan and lease loss provision to assets | 0.7419% | 2,884 |
| Net operating income to assets | -0.0954% | 5,673 |
| Return on assets (ROA) | 0.0530% | 5,387 |
| Pretax return on assets | 0.0100% | 5,418 |
| Return on Equity (ROE) | 0.6385% | 5,345 |
| Retained earnings to average equity (ytd only) | 0.6385% | 4,550 |
| Net charge-offs to loans | 1.1238% | 2,183 |
| Credit loss provision to net charge-offs | 97.3054% | 5,712 |
| Earnings coverage of net charge-offs (x) | 0.7916% | 5,313 |
| Efficiency ratio | 81.0791% | 2,739 |
| Assets per employee ($millions) | 3.8225% | 4,227 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,015 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.4823% | 3,821 |
| Loan loss allowance to noncurrent loans | 23.4623% | 6,884 |
| Noncurrent assets plus other real estate owned to assets | 4.6683% | 1,366 |
| Noncurrent loans to loans | 6.3176% | 964 |
| Net loans and leases to total assets | 63.8374% | 4,632 |
| Net loans and leases to deposits | 76.7340% | 4,620 |
| Net loans and leases to core deposits | 108.5850% | 3,044 |
| Total domestic deposits to total assets | 83.1931% | 4,429 |
| Equity capital to assets | 8.5135% | 5,859 |
| Core capital (leverage) ratio | 8.2364% | 5,756 |
| Tier 1 risk-based capital ratio | 12.2388% | 4,733 |
| Total risk-based capital ratio | 13.4905% | 4,697 |
| Memoranda: | ||
| Average total assets | $219,038,000 | 2,957 |
| Average earning assets | $204,537,400 | 2,910 |
| Average equity | $18,167,800 | 3,480 |
| Average total loans | $148,606,000 | 2,943 |
| 2009-09-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4303% | 4,790 |
| Cost of funding earning assets | 2.4260% | 1,538 |
| Net interest margin | 3.0044% | 6,601 |
| Noninterest income to average assets | 0.2687% | 6,310 |
| Noninterest expense to average assets | 2.5488% | 5,898 |
| Loan and lease loss provision to assets | 0.7566% | 2,477 |
| Net operating income to assets | -0.1029% | 5,895 |
| Return on assets (ROA) | 0.0230% | 5,713 |
| Pretax return on assets | -0.0387% | 5,766 |
| Return on Equity (ROE) | 0.2791% | 5,692 |
| Retained earnings to average equity (ytd only) | 0.2791% | 5,082 |
| Net charge-offs to loans | 1.2991% | 1,576 |
| Credit loss provision to net charge-offs | 84.9185% | 5,625 |
| Earnings coverage of net charge-offs (x) | 0.5849% | 5,447 |
| Efficiency ratio | 83.0244% | 2,429 |
| Assets per employee ($millions) | 3.8608% | 4,048 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,688 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3059% | 4,466 |
| Loan loss allowance to noncurrent loans | 17.8595% | 7,203 |
| Noncurrent assets plus other real estate owned to assets | 5.4080% | 1,067 |
| Noncurrent loans to loans | 7.3120% | 717 |
| Net loans and leases to total assets | 64.5299% | 4,742 |
| Net loans and leases to deposits | 77.1941% | 4,864 |
| Net loans and leases to core deposits | 111.3309% | 3,088 |
| Total domestic deposits to total assets | 83.5943% | 3,909 |
| Equity capital to assets | 8.3280% | 6,470 |
| Core capital (leverage) ratio | 8.2113% | 5,992 |
| Tier 1 risk-based capital ratio | 12.1290% | 4,857 |
| Total risk-based capital ratio | 13.3638% | 4,814 |
| Memoranda: | ||
| Average total assets | $220,282,250 | 2,954 |
| Average earning assets | $205,384,750 | 2,916 |
| Average equity | $18,153,750 | 3,508 |
| Average total loans | $151,080,750 | 2,929 |
| 2009-06-30 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.4157% | 5,058 |
| Cost of funding earning assets | 2.5236% | 1,533 |
| Net interest margin | 2.8921% | 6,819 |
| Noninterest income to average assets | 0.2596% | 6,421 |
| Noninterest expense to average assets | 2.5286% | 6,025 |
| Loan and lease loss provision to assets | 0.7261% | 2,256 |
| Net operating income to assets | -0.1336% | 6,074 |
| Return on assets (ROA) | -0.0227% | 5,951 |
| Pretax return on assets | -0.1153% | 6,009 |
| Return on Equity (ROE) | -0.2763% | 5,964 |
| Retained earnings to average equity (ytd only) | -0.2763% | 5,294 |
| Net charge-offs to loans | 0.7506% | 2,182 |
| Credit loss provision to net charge-offs | 138.8889% | 3,360 |
| Earnings coverage of net charge-offs (x) | 0.8368% | 4,911 |
| Efficiency ratio | 85.2509% | 2,327 |
| Assets per employee ($millions) | 3.9634% | 3,751 |
| Cash dividends to net income (ytd only)* | 0.0000% | 3,532 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.5669% | 2,886 |
| Loan loss allowance to noncurrent loans | 25.1651% | 6,835 |
| Noncurrent assets plus other real estate owned to assets | 4.7248% | 1,173 |
| Noncurrent loans to loans | 6.2263% | 873 |
| Net loans and leases to total assets | 64.6539% | 4,846 |
| Net loans and leases to deposits | 76.8536% | 5,048 |
| Net loans and leases to core deposits | 112.5789% | 3,066 |
| Total domestic deposits to total assets | 84.1261% | 3,695 |
| Equity capital to assets | 7.9288% | 6,832 |
| Core capital (leverage) ratio | 7.9186% | 6,455 |
| Tier 1 risk-based capital ratio | 11.5288% | 5,349 |
| Total risk-based capital ratio | 12.7869% | 5,273 |
| Memoranda: | ||
| Average total assets | $220,355,000 | 2,970 |
| Average earning assets | $206,215,330 | 2,918 |
| Average equity | $18,096,000 | 3,535 |
| Average total loans | $153,479,000 | 2,923 |
| 2009-03-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 5.5228% | 4,793 |
| Cost of funding earning assets | 2.5627% | 1,686 |
| Net interest margin | 2.9601% | 6,586 |
| Noninterest income to average assets | 0.2666% | 6,310 |
| Noninterest expense to average assets | 2.4929% | 5,866 |
| Loan and lease loss provision to assets | 0.5515% | 2,268 |
| Net operating income to assets | 0.0478% | 6,133 |
| Return on assets (ROA) | 0.0478% | 6,284 |
| Pretax return on assets | 0.0018% | 6,373 |
| Return on Equity (ROE) | 0.5718% | 6,259 |
| Retained earnings to average equity (ytd only) | 0.5718% | 5,431 |
| Net charge-offs to loans | 0.7101% | 1,766 |
| Credit loss provision to net charge-offs | 108.3032% | 3,543 |
| Earnings coverage of net charge-offs (x) | 1.0866% | 4,215 |
| Efficiency ratio | 81.8346% | 2,555 |
| Assets per employee ($millions) | 4.3658% | 2,946 |
| Cash dividends to net income (ytd only)* | 0.0000% | 2,832 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3659% | 3,704 |
| Loan loss allowance to noncurrent loans | 32.5318% | 6,369 |
| Noncurrent assets plus other real estate owned to assets | 3.5080% | 1,530 |
| Noncurrent loans to loans | 4.1987% | 1,414 |
| Net loans and leases to total assets | 67.5601% | 4,232 |
| Net loans and leases to deposits | 80.3147% | 4,561 |
| Net loans and leases to core deposits | 121.1499% | 2,319 |
| Total domestic deposits to total assets | 84.1192% | 3,645 |
| Equity capital to assets | 8.0208% | 6,772 |
| Core capital (leverage) ratio | 8.1574% | 6,177 |
| Tier 1 risk-based capital ratio | 10.9298% | 5,962 |
| Total risk-based capital ratio | 12.1806% | 5,874 |
| Memoranda: | ||
| Average total assets | $217,576,500 | 3,020 |
| Average earning assets | $204,318,500 | 2,964 |
| Average equity | $18,188,000 | 3,540 |
| Average total loans | $156,025,500 | 2,915 |
| 2008-12-31 | Rank | |
| Percentage of unprofitable institutions | NA | NA |
| Percentage of insitutions with earnings gains | NA | NA |
| Performance Ratios (%, annualized) | ||
| Yield on earning assets | 6.1084% | 4,996 |
| Cost of funding earning assets | 3.0345% | 1,735 |
| Net interest margin | 3.0739% | 6,727 |
| Noninterest income to average assets | 0.2873% | 6,411 |
| Noninterest expense to average assets | 2.5226% | 5,923 |
| Loan and lease loss provision to assets | 0.7304% | 2,027 |
| Net operating income to assets | 0.0077% | 6,345 |
| Return on assets (ROA) | 0.0077% | 6,208 |
| Pretax return on assets | -0.0774% | 6,244 |
| Return on Equity (ROE) | 0.0905% | 6,199 |
| Retained earnings to average equity (ytd only) | 0.0905% | 5,178 |
| Net charge-offs to loans | 1.0031% | 1,235 |
| Credit loss provision to net charge-offs | 95.6576% | 5,528 |
| Earnings coverage of net charge-offs (x) | 0.8553% | 5,714 |
| Efficiency ratio | 79.4371% | 2,678 |
| Assets per employee ($millions) | 3.7166% | 4,139 |
| Cash dividends to net income (ytd only)* | 0.0000% | 4,825 |
| Condition Ratios (%) | ||
| Loss allowance to loans | 1.3414% | 3,525 |
| Loan loss allowance to noncurrent loans | 35.1818% | 6,397 |
| Noncurrent assets plus other real estate owned to assets | 3.5896% | 1,225 |
| Noncurrent loans to loans | 3.8128% | 1,305 |
| Net loans and leases to total assets | 74.2084% | 3,055 |
| Net loans and leases to deposits | 89.8007% | 3,484 |
| Net loans and leases to core deposits | 125.8197% | 2,175 |
| Total domestic deposits to total assets | 82.6368% | 3,931 |
| Equity capital to assets | 8.7287% | 5,765 |
| Core capital (leverage) ratio | 8.6946% | 5,205 |
| Tier 1 risk-based capital ratio | 10.8564% | 5,860 |
| Total risk-based capital ratio | 12.1067% | 5,764 |
| Memoranda: | ||
| Average total assets | $208,117,000 | 3,029 |
| Average earning assets | $195,549,600 | 2,951 |
| Average equity | $17,685,200 | 3,612 |
| Average total loans | $158,402,800 | 2,793 |